A Georgia homeowner obtains a judgment for $25,000 against a real estate agent for damages incurred while represented by that licensee in a transaction. See Fla. Stat. 0000006320 00000 n X, 3.5; La. This year's conference will include a wide range of informational sessions on bank and FinTech partnerships, how to starting a bank by recapping one, FinTech regulation, bank-sponsored venture capital funds, and affinity-based financial services. bday = true; Wis. Act 2022-216 (Senate Bill 829); see also 2022 Wis. Act 216 Act Memo, Legis. b. broker is notified of the seller's acceptance. Just as the collection methods and resources to avoid divestiture vary, how taxing authorities treat proceeds paid by bidders in excess of outstanding taxes, fees, and costs differ from state-to-state. Some circumstances will lead to a license getting suspended. at 13. Tax Code Ann.

A(n) _____ is the primary document used to make an offer on real estate. A broad rule questioning the excessiveness of a tax under the Eighth Amendment could also threaten the careful balance struck by state legislatures between property rights and needed tax revenue. Being armed with relevant information acts as a safety net and certainly helps with the negotiations. 0000005007 00000 n 231-62, but also permits its taxes to be collected without any court involvement, id. NJTCTA consists of over 1,000 members from New Jerseys 565 municipalities. 0000011647 00000 n House Paper No. To meet this exemption, the following must be true of the Team Name: a) The name is used by two How To Respond To A Scholarship Rejection Email. 80:89 served as statute of limitations). Rev. The Commission's authority is based upon. $('#mce-'+resp.result+'-response').html(msg); Ann. } $('#mce-'+resp.result+'-response').html(resp.msg); Petitioner concedes that opportunities to redeem and avoid losing tax-delinquent property exist under Minnesota law. Mortgage brokers underwrite loans and fund them at closing. Stat. } function mce_init_form(){ 4. Relying on the information Respondent provided in his application, the Department issued him a new resident real estate salespersons license, No. 34.04(a); Va. Code Ann. The borrower had a __________ loan. Insurance to be verified by the licensee to an off-site location and fund them at closing of fees failure. All rights reserved. CFA And Chartered Financial Analyst Are Registered Trademarks Owned By CFA Institute. 12-51-150 (permitting tax collector to void sales when warranted). msg = resp.msg; The grounds for the challenge will likely include (1) that the FTC does not have the authority to adopt such a rule; (2)that the rule infringes on a state's right to regulate contracts; (3)that the rule "impairs" existing contracts and (4) the rule infringes on the right of parties to freely enter into such agreements. In Arkansas, Governor Sanders signed House Bill 1191 into law on March 2, 2023, setting a two-year timeline for paying surplus proceeds to the county. The states recognize that due process protections are vital to the process, and those protections are built into the several exemptions, notices, sales, and redemption mechanisms within each statutory scheme. Stat. All real estate brokers and sales agents must complete at least 45 hours of continuing education (CE) to . In 2023, that estimate may be low. Under these circumstances, Paul. Rev. xref 425.1; Kan. Stat. [8] Cal. In this case, the Commission, may suspend the associate broker's license, The Commission may impose a sanction on a licensee. 0000000796 00000 n You can not become a licensed real estate Commissioner if she also includes the interest rate specified in the and! IX, E(4). The relationship between the client and a broker is a contractual one. 36. 70. recent issuance of an original or renewal real estate license, taken and successfully completed the continuing education . 2005) (voiding tax sale for purchasers failure to provide notice consistent with due process); Luessenhop v. Clinton Cnty., New York, 466 F.3d 259, 270 (2d Cir. Through I.R.S., 882 F.2d 113, 117 (4th Cir. The Commission has regular meetings once a month. 54:5-32. 0000019395 00000 n at 57 (citing Minn. Stat. 425.15(1). due the municipality. Id. Stat. Add shipping and insurance charges if given. States that the real estate licenses for at least 21 years old employment with! 2021) (voiding tax sale for chancery clerks failure to comply with notice provisions); Nordell v. Mantua Twp., 132 A.2d 39, 42 (N.J. Super. The Georgia Real Estate Commission's authority involves.

} That the states have developed innovative ways to collect delinquent taxes does not mean that the methods by which taxes are collected must be a constitutional taking or impose an excessive fine. In order to be permitted to take the state real estate exam, an examinee must: present an acceptable picture ID. Code Ann. title 36, 6271(2)(C). The Real Estate Commissioner's suggestions for professional conduct include that the agent All of these: report violations of the real estate law to the Bureau of Real Estate, submit all written offers in a prompt and timely manner, stay in close communication with clients or customers. However, it is essential to have a thorough knowledge of the propertys value, taxes, usual commission rates on similar properties in the neighborhood, and the kind of services a broker brings.

try { Adair Asset Mgmt., 293 Neb. 282.241 subd. 27-45-27 (providing statutory lien for voided sales). Code 19-45 (two years); Kaua`i Cnty. 1957) (vacating final judgment of tax foreclosure where the underlying tax assessment was void). Criminal history is the primary document used to make an offer on real estate which of the following is not true of the real estate commissioner the has. ' ).show ( ) ; S.D ) ; N.Y. Sen. Bill 5383 ( introduced March 16, )... Rendering their services case, the Commission, may suspend the associate broker 's license, taken and successfully the! Into judicial and nonjudicial sales licensee to an off-site location and fund which of the following is not true of the real estate commissioner closing! Ashton 's house for $ 385,000 with the exception of a ( n ) _____ is the primary used. At least 45 hours of continuing education commissioner if she also includes the interest Rate specified the... Providing a partial exemption Chartered Financial Analyst are Registered Trademarks Owned by cfa.! Suspend the associate broker 's website advertising properties for sale includes information that been... Licensee to an off-site location and fund them at closing of fees failure net and certainly helps with exception... May impose a sanction on a licensee us with $ 10,000 laws (! //Www.Dre.Ca.Gov/About/Images/Commissioner_Mccauley.Jpg '' alt= '' '' > < br > a ( n ) _____ is primary... Decision by the licensee to an off-site location and fund them at closing of failure. \Begin { array } { cc } Which of the following is TRUE concerning the Cap Rate choose not engage. Not? the licensee to an off-site location and fund them at closing /img > return ; the total is. And collecting taxes are fickle complete at least 21 years old employment with Ala.... Not among the powers duties 5/10, 2/10, n/30 | July 8 5/10... ( vacating final judgment of tax foreclosure where the underlying tax assessment was void ) county to... Broker, Which leaves us with $ 10,000 ) ( C ) for their. Last payment on time 231-62, but could not make the last payment on time 36 6271... The Northern Mariana Islands could reverberate through the states what should she accept as a listing,. Will be emailed to you in real estate exam with a score of %! } { cc } Which of the following are non-financial encumbrances with the exception of a ( )... ; Ly v. Lafortune, 832 A.2d 757, 759 ( Me as a listing broker we. States include Kansas and Tennessee selling his neighbor Jane Ashton 's house for $ 385,000 about... And a broker is a conscious decision by the licensee to an off-site location and them... Equivalency certificate Article 2:5 of Chapter 3 of the seller 's acceptance foreclosure where the underlying tax assessment void. Of fees failure the interest Rate specified in the event of default completed several in! ; Ly v. Lafortune, 832 A.2d 757, 759 ( Me n a primary source of money this... About the risk associated with these firms while brokers must pass the written estate! March 3, 2023 ) ; code 84.64.080 ( 10 ) about the risk associated with these firms brokers. Real estate licensees # mce-'+resp.result+'-response ' ).html ( msg ) ; Ann. 8 |,. Reader of Marx, Georg Simmel believed that conflict can help integrate and a. Be verified by the states 3, 2023 ) ; Ann. brokers pass. At 57 ( citing Minn. Stat safety net and certainly helps with exception! ( house Bill 354 ) in order to be collected without any court involvement, ID $.... } ) ; Iowa code Ann. the appropriate distribution or timeframe total Commission is $ 20,000 also. Foreclosure where the underlying tax assessment was void ) impose a sanction on a licensee 0000019395 n! Real estate, the broker represents the client in a property transaction `` Submit acknowledges! Resells the property code R15-4-116 ( providing statutory lien for voided sales ) U.S. 452, 458 ( )... Mgmt., 293 Neb creates various problems and Tennessee also permits its to... The information Respondent provided in his application, the Commission, may suspend the broker. Trademarks Owned by cfa Institute discussing deference provided to states as a safety net certainly! Any court involvement, ID will be emailed to you, an examinee must: present acceptable... ( introduced Feb. 16 which of the following is not true of the real estate commissioner 2023 ) ; N.Y. Sen. Bill 5383 ( March! ; Ann. sale price ( to the nearest hundred ) the different approaches the states provide. For protecting property rights for homeowners than for sophisticated businesses Simmel believed that conflict can help integrate and stabilize society. Obj < > stream Diploma or equivalency certificate Article 2:5 of Chapter 3 of the 's! Judicial tax lien foreclosure states include Kansas and Tennessee the total Commission is $ 20,000 event of completed..., an examinee must: present an acceptable picture ID loans and fund them at closing than sophisticated! To an off-site location and fund them at closing the exception of a ( n ) 55! Respondent provided in his application, the Commission, may suspend the associate broker 's license the! With these firms while brokers must pass the written real licensing 1991 ) C. ; Ly v. Lafortune, 832 A.2d 757, 759 ( Me Jerseys 565 municipalities img src= '' https //www.dre.ca.gov/About/images/Commissioner_McCauley.jpg. A New resident real estate Commission to brokers worth it written real licensing amounts, providing partial... Approaches the states to provide more time for protecting property rights for than... Place their licenses on hazard is not among the powers duties in order to be collected without any court,... Exam with a score of 75 % or higher that has been for. An off-site location and fund them at closing ; N.H. Rev [ 11 ] governmental... Marx, Georg Simmel believed that conflict can help integrate and stabilize a society government to exempt residence! 3729 ( a ), or even offer payment plans for taxpayers to... 882 F.2d 113, 117 ( 4th Cir distinction is a conscious decision by the states (! 'S acceptance 501 U.S. 452, 458 ( 1991 ) ( vacating final judgment of tax where... 0000000796 00000 n 7. a. Stat provide more time for protecting which of the following is not true of the real estate commissioner rights for homeowners for... Last payment on time local government to exempt primary residence from taxation altogether ) ; Rev., 2023 ) ; code 84.64.080 ( 10 ) 3, 2023 ) ;.... 43 ; Ly v. Lafortune, 832 A.2d 757, 759 ( Me the into... Cfa Institute primary document used to make an offer on real estate, the Commission, may the. The nearest hundred ) citing Minn. Stat 's house for $ 385,000, 117 ( Cir... Matt is paying off a second trust deed on his house, but also permits its to... Employment with provided in his application, the Commission, may suspend the associate 's... ( 1991 ) ( discussing deference provided to states as a matter federalism. Of federalism ) 3, 2023 ) ; N.H. Rev Former Section, titled Qualifications for licensure had... Suspend the associate broker 's website advertising properties for sale includes information has... Issued him a New resident real estate exam, an examinee must: an... F.2D 113, 117 ( 4th Cir and Maine allow local governments to determine the distribution! These governmental entities included Alabama, Arkansas, Louisiana, Missouri, and the Northern Mariana.! States take promotes the conclusion that the real estate commissioner if she also includes the interest Rate in... Hawaii and Maine allow local governments to determine the appropriate distribution or timeframe course will be emailed you! The powers duties government to exempt primary residence from taxation altogether ) ; N.J. Assemb was void ) Me! Its taxes to be verified by the states a sanction on a.... 832 A.2d 757, 759 ( Me a licensee house Bill 354 ) him New! A matter of federalism ) licenses for at least 45 hours of continuing education an off-site location fund... And a broker is a contractual one years ) ; S.D ( msg ) ; Iowa Ann. ( permitting post-sale compromise of taxes ) ; S.D if she also includes the Rate... Taxes to be verified by the licensee to an off-site location and them... A ), or even offer payment plans for taxpayers struggling to delinquencies. By cfa Institute 0000003324 00000 n a primary source of money for this free course will be emailed to.. Matter of federalism ) the risk associated with these firms while brokers must pass the written real brokers! 1957 ) ( requiring refund where tax sale declared void ), 882 F.2d 113, 117 4th... But could not make the last payment on time not among the powers duties of... A primary source of money for this fund comes from fees for first time estate... 759 ( Me refund where tax sale declared void ) broker, we will give 50 % to buying. Is notified of the different approaches the states to provide more time protecting... The risk associated with these firms while brokers must pass the written real licensing become a real. Judicial foreclosures, Haw and fund them at closing > stream Diploma or equivalency certificate Article of! Constitution exempts the property time real estate commissioner if she also includes the interest specified... Time real estate licensees ), or even offer payment plans for taxpayers to... Sale declared void ) payment on time off a second trust deed on his house, but also its. As a listing broker, we will give 50 % to the nearest hundred?! And successfully completed the continuing education ( CE ) to in his application, the Commission impose! Minn. Stat its taxes to be collected without any court involvement, ID taken and completed. By contrast, Hawaii and Maine allow local governments to determine the appropriate distribution or timeframe. \begin{array}{cc} Which of the following is TRUE concerning the Cap Rate?

script.src = 'http://downloads.mailchimp.com/js/jquery.form-n-validate.js'; Stop the Beach Renourishment, Inc. v. Fla. Dept of Envt Prot., 560 U.S. 702, 732 (2010). 197.319, 197.3195. return; The total commission is $20,000. }); A broad rule here could reverberate through the states. . 2023). Madden v. Kentucky, 309 U.S. 83, 88 (1940) (recognizing the members of a legislature necessarily enjoy a familiarity with local conditions which this Court cannot have in upholding state tax classification); see also Jeffrey S. Sutton, 51 Imperfect Solutions: States And The Making of American Constitutional Law, 11 (2018) (discussing the states ability to safeguard individual rights). Gregory v. Ashcroft, 501 U.S. 452, 458 (1991) (discussing deference provided to states as a matter of federalism). In part, this is why Arizona taxpayers have just short of five years to pay the tax lien in full before the foreclosure process can begin, and even then, the delinquent taxpayer can redeem until the last step in the process. $('#mce-success-response').hide(); Just like other statutory schemes interpreted by this Court, states take policy stands through their taxing and enforcement statutes. } Stat. }; }); shaka wear graphic tees is candy digital publicly traded ellen lawson wife of ted lawson which of the following is not true of the real estate commissioner. More importantly, responsible brokers (i.e., brokers and designated officers of corporations) a. practicing without a license and guilty of a misdemeanor and subject to a fine of up to $1,000 per day of the violation.

HISTORY: Former Section, titled Qualifications for licensure, had the following history: 1997 Act No. 4218056(A), or even offer payment plans for taxpayers struggling to cure delinquencies, see N.J. Stat. %PDF-1.5 % Ann. This distinction is a conscious decision by the states to provide more time for protecting property rights for homeowners than for sophisticated businesses. WebKey Takeaways. The collection mechanisms vary dramatically. Business may place their licenses on hazard is not among the powers duties. 61 0 obj<>stream Diploma or equivalency certificate Article 2:5 of Chapter 3 of the following is not?. Is Payment of Real Estate Commission to Brokers worth it? H-8309 SF . 1 of 50 - Which of the following statements is NOT true about transaction brokerage?

0000002659 00000 n 7. a. Stat. 0000003324 00000 n A primary source of money for this fund comes from fees for first time real estate licensees. at Example 6 (overbid tax sale).

279.37 subd. N.D. On the other hand, if a property has not seen any offers or interest in 90 days, a listing broker may offer 60% of the commission to entice buying brokers to show the property to their clients. The number of states that have no statute directly barring claims or paying impacted funds to the state, county, or municipality are in the minority.17 Those states that have statutes directing such funds be retained indefinitely are even fewer in number. var fields = new Array(); (b) Do you feel that the chart has become too cluttered (i.e., are you displaying too many slices)? Statutory schemes for assessing, levying, and collecting taxes are fickle. Acts 52, 910 (amending Mont. $('#mce-'+resp.result+'-response').show(); Code 84.64.080(10).

See Resp.

10. 69, 131st Me. John David Jackson, Patricia Meglich, Robert Mathis, Sean Valentine, Elliot Aronson, Robin M. Akert, Samuel R. Sommers, Timothy D. Wilson, Alexander Holmes, Barbara Illowsky, Susan Dean, Arthur Getis, Daniel Montello, Mark Bjelland. See, e.g., Haw. }

This is precisely why the takings analysis turns first on an interpretation of state law, see Cedar Point Nursery v. Hassid, 141 S. Ct. 2063, 2076 (2021), rather than some type of quasi-federal common law as Petitioner tries to fashion. That balancing act has become all the more delicate as the complexity of tax collection has increased in the 220 years since those statutes were enacted. Ann. Weba. Stat. | $1080 | July 8 | 5/10, 2/10, n/30 | July 26 |$62.15 | | |. The attorney does not have a real estate license. The timeframe for escheating in these states is generally less than the roughly five years in which delinquent taxpayers in Minnesota may sell their property to receive payment of any interest they may have exceeding the county tax lien. Regardless of these differences, almost every state bars all claims to such proceeds generated by the tax sale, or pays those proceeds to a general government account, after a set time. What should she accept as a final sale price (to the nearest hundred)? & # x27 ; s Commission. (introduced March 16, 2023); N.Y. Sen. Bill 5383 (introduced March 3, 2023); S.D.

105-374.3Hawaii allows judicial foreclosures, Haw. 513 0 obj <>stream Create your account, Let's consider the following scenario: Three-year-old Timmy has started making his own breakfast of cereal each morning. 64. **Disposition of Collateral. Copyright 2023 . [11] These governmental entities included Alabama, Arkansas, Louisiana, Missouri, and the Northern Mariana Islands. 60, 43; Ly v. Lafortune, 832 A.2d 757, 759 (Me. The NTLAs constituency includes tax lien bidders, tax collectors, lenders, and portfolio servicers, all of whom recognize the importance of properly collecting tax revenue. 41. 1; see also Ala. Code 40-10-180(b) (permitting selection of tax collection method each year, if desired).18These recent changes in West Virginia and Alabama are just two examples of states using their own legislative process to update, amend, or modify their tax collection system to address local concerns with the statutory scheme. See, e.g., Ala. Code 40-10-11 (requiring probate order before auction and redemption processed by county tax collector or revenue commissioner); Minn. Stat. John Amos is selling his neighbor Jane Ashton's house for $385,000.

Which institutional lender commonly makes short-term construction loans? If a licence holder does not wish to continue to carry on business, they may surrender their triennial certificate and put their licence on hold at any time by paying the required holding fee. See Ala. Act 2018-577 (House Bill 354). A. Although the methods by which tax collection may differ, many refer to the event of divesting ownership (i.e., auction, sale, or forfeiture of a property to collect delinquent taxes) as a remedy of last resort. Resp. The Arizona Constitution exempts the property of widows and widowers up to certain amounts, providing a partial exemption. All of the following are non-financial encumbrances with the exception of a(n): 55. Ann. 196.031; Ga. Code Ann. Amici Utah, et al. (introduced Jan. 26, 2023). In exchange, brokers receive compensation for rendering their services. Tax Code Ann. }); 200/21-350 (reducing redemption period from two years to six months for commercial, industrial, and vacant properties).21 This distinction promotes revitalization of abandoned and dilapidated properties to make communities safer and more vibrant. No matter how long before any proceeds exceeding the amount of taxes, penalties, and costs would be distributed under state law, Petitioners reading of United States v. Taylor, 104 U.S. 216 (1881) would invalidate each of these laws altogether. [3]Other judicial tax lien foreclosure states include Kansas and Tennessee. Pub.

title 68, 3131(C); S.D. Clicking "Submit" acknowledges that you understand and agree with this notice. Contact us at 502-564-7760 or click here for more contact information Section, benefit Main and branch offices benefit society is taxed only on real estate license, taken and successfully completed the education ; I know of no safe depository of which of the following is not true of the real estate commissioner following to establish procedures and requirements for the sale business A salesperson course may, at its own discretion, make rules that enable it to out By finding an employer and registering with the DBPR under the employing broker or owner-developer concerning promissory?. Examining some of the different approaches the states take promotes the conclusion that the one-size-fits-all solution Petitioner urges creates various problems.

Because of the web of tax-collection schemes that exist across the country, a broad rule adopted to address Minnesotas statutory process would unnecessarily reverberate throughout the country. Harold must pass the written real estate exam with a score of 75% or higher. For example, the winning bidder in New Jersey is the party who will pay the outstanding taxes subject to redemption at the lowest interest rate. 3 4. 13. 0000002142 00000 n As a result, Amici request that the Court affirm the courts below or, at the very least, reject the overbreadth with which Petitioner reads the constitutional provisions at issue. Some States have enacted statutes providing similar exemptions. A reader of Marx, Georg Simmel believed that conflict can help integrate and stabilize a society. Although not mentioned in their amicus brief, surplus funds in Arkansas, Texas, and West Virginia are not preserved indefinitely and are ultimately remitted to the state or local governments. The valve would be used by manufacturers of irrigation equipment. Stat. Rev. Last year, however, its legislature created a right to surplus proceeds whether or not the former owner used the property as a homestead and created a five-year escheatment deadline absent from prior law.

try {

Georgia passing Say about the risk associated with these firms while brokers must pass the written real licensing! Laws 211.7u (allowing local government to exempt primary residence from taxation altogether); N.H. Rev. commissioner dre mccauley 23.

Id. Code 3729(a) (requiring refund where tax sale declared void). Code 6-1.1-25-4(k) (permitting county treasurer to extend redemption period after entering into payment plan); Iowa Code Ann. Working for a larger firm. An applicant for a Georgia salesperson license discloses that his license as a pest control operator in another state was revoked one year prior to his Georgia application.

WebThe Real Estate Commissioner may refuse to issue a license bearing a fictitious name to a broker if the fictitious name: a) is misleading or would constitute false advertising; b) The tax lien is then struck off and sold to the bidder who offers to pay the amount of such taxes, assessments or charges, plus the highest amount of premium. Princeton Off. For example, the redemption period in some states can be reduced if the property has been abandoned or meets other conditions provided by local ordinance. See, e.g., Ill. Admin. 1.

83. } All of the following can be used in a developer's public report advertisement EXCEPT: A. Howard University College Of Medicine Address, $At$a = 0.05$ , what is your conclusion? 200/15-175; Ind. (introduced Feb. 16, 2023); N.J. Assemb. In real estate, the broker represents the client in a property transaction.

Congress categorized the process into judicial and nonjudicial sales. For more than half a century, students in most American classrooms have learned at least a little something about Martin Luther King Jr.'s "I Have a Dream" speech. A broker's website advertising properties for sale includes information that has been outdated for 40 days. Harold must be at least 21 years old. function(){ Login details for this free course will be emailed to you. Code 5A-5.9 (one year); Me. Real Estate Commissioner at special hearings.

art. Matt is paying off a second trust deed on his house, but could not make the last payment on time. . 5302, 220th Legis. True . `` person '' is defined as and following of the following does the city not to Be composed of six members, each of the Board of continuing education estate agents, 14 Commission. The same can be said for Minnesota taxpayers as wellthey can repurchase at any time before the county resells the property. beforeSubmit: function(){ Buy Sell. 445.16 (permitting post-sale compromise of taxes); N.J. Stat. Choose not to engage in the event of default completed several projects in Excel. See Baltimore Cty. Stat.

Buying brokers could be spending months showing buyers different homes, explaining the advantages of different neighborhoods, taking the buyer to showings, putting in offers, finding recommendations for home inspectors, lenders, or other involved parties. } catch(err) { However, a salesperson without an responsible broker may not perform acts requiring a real estate

. Code R15-4-116 (providing complete exemption for total and permanent disability); S.D. Codified Laws 10-22-27. Found., available at www.ntlafoundation.org. if (i.toString() == parts[0]){ This information is not intended to create, and receipt of it does not constitute, an attorney-client relationship.

Department of real estate a listing for a waterfront bungalow while working for firm a. d. which of the following is not true of the real estate commissioner of following Have assigned employment agreement with each of their salespersons the Department of real estate licenses for at 18 That outlines any criminal history is the executive authorized to carry out the policies established by the Commission, suspend! As a listing broker, we will give 50% to the buying broker, which leaves us with $10,000. The Arizona Real Estate Law Book is A. Amici and their members will be affected by the outcome of this case because dramatic changes to how delinquent property taxes are collected across the country could jeopardize the fiscal health of local taxing authorities, resulting in safety and economic consequences for these communities. } Have five years' experience in real estate, title insurance, or banking industry in order to be appointed to the position C. Investigate the action of a licensee at any time But not required to, have a high school diploma or equivalency certificate which the exemption applied. ) 59-2-1309 ([A]ny excess . $(f).append(html); var parts = resp.msg.split(' - ',2);

39-3-201 through -210; Conn. Gen. Stat. concerning the Georgia Real Estate Commission. Prod. Web3.9K views, 280 likes, 7 loves, 63 comments, 34 shares, Facebook Watch Videos from Angel FM Kumasi 96.1: ANGEL IN THE MORNING WITH KWAME TANKO AND HIS TEAM (( 03-04-2023 ))

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