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hi team so in this video Im going to explain exactly how effective dates work and how timelines work because this is an area of confusion especially for new agents but whats scary is a lot of experienced agents struggle with this as well so lets go ahead and start with what exactly are we talking about with effective date the effective date is the date that the last party either signs or initials and its actually delivered thats what you count as your effective date on the contract so I thought that Id just go ahead and use this calendar here kind of you guys to follow along and well talk about a few scenarios so lets say for example you originate a contract an offer you start an offer over here on Saturday the 14th and youre going back and forth and back and forth and on the night of the 15th which is a Sunday that 9 to 15 with the Sunday that is when you receive the very last initials and its delivered to you so what you do is you write down that your effective date is Sund