In This
Issue:
·Key
Exchange LAST CALL!
·YCAR Election Results
·New FHA Toolkit
·Important E&O Info
·Mortgage Debt Relief Act
·2008 REALTOR® Trade Fair
·Life Saving Phrase
·BOD Action
·Education
·Coming Events
·In Sympathy
·Read It & Reap
·MEMBERABILIA
·Welcome New Members
·QUIZ
OF THE MONTH
Links:
YCAR.org
CRISMLS.org
OhioOpenHouseFinder.com
OAR Short Sale
Forum
NAR Market Insight
Contacts:
YCAR
5405 Market Street
Youngstown, OH 44512
Pho: 330-788-7026
Fax: 330-788-4329
Email: Staff@ycar.org
Web:
www.ycar.org
Hours: M-F 8:30-5:00
YCAR Staff:
Sharyn Braunstein
Chief Executive Officer
Ext: 102
Joanna Freiberg, e-PRO
Administrative Assistant
Ext: 100
Jeff Hudson, e-PRO
Technical Coordinator
MVR Design
Ext: 103
Mary Ann Pallante
Office Manager
Membership Secretary
Bookkeeper
Ext: 101
Tracy Moracco
Receptionist/Secretary
SUPRA Lockbox Manager
Ext: 106
MVR Editors:
Tom Coppola
Leon Turek
Legal Counsel:
Attorney Donald Leone
Officers:
Kathy Carroll
President
Eric Caspary
President-Elect
David Klacik
Treasurer
Gwen Bush
Immediate Past President
Board of Directors:
John Burgan
Nancy Cuffle
Jennifer Hanigosky
Ray Knight
Dawn Kuhn
Debbie Parisi
Carolyne Toth
Dom Vechiarelli
Bob Weily
Joan Zarlenga
CRIS Directors:
Terri Hoon, CRIS President
Ray Knight
CRIS Alternates:
Brenda Palmer
Funmi Olarewaju
Judy Whittenberger
OAR
Directors:
Sharyn Braunstein, CEO
Kathy Carroll
Eric Caspary
Jerri Florio
Terri Hoon, CRIS President
David Klacik
Tom Williams, OAR DVP
Joan Zarlenga
Joe Zidian, At Large
OAR Alternates:
Betty Belding
Gwen Bush
Larry Jordan
Dawn Kuhn
Joanne Petrosky
Required
Code Of Ethics
REALTOR
University Ohio
Online
CEU
ePRO
Certification
REALTOR®
Supplies
at ycar-store.com
Calculated Industries
Create onsite floor
plans of your listings
MeasureComp.com
REALTOR.org Store
The Official
Newsletter of the Youngstown Columbiana Association of REALTORS®
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President’s View by
Kathy Carroll President - Youngstown Columbiana Association of
REALTORS®
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 A few weeks ago, I attended an update meeting with State Treasurer Richard Cordray as the special guest. The subject was the
Save Our Homes Task Force.
Many local officials were in attendance along with Mahoning County Treasurer Lisa Antonini and Nikki Postelari and Councilman Tito Brown. These three individuals have spearheaded the local effort to help homeowners in trouble find a way to stay in their homes and avoid foreclosure. This is a state wide initiative and there are chapters of this task force in many areas. .
Your Youngstown Columbiana Association of REALTORS®
along with the Home Savings and Loan Company have supported this effort by paying for the printing of a brochure put together by the Treasurer’s office. The brochure includes a list of organizations who may be able to help these homeowners in trouble. Warren has it’s own chapter and our local brochure was patterned after theirs.
It is in all of our best interest to help in this effort and the brochures are available at our Board office on Market Street. They are free and you are welcome to stop by and pick them up. It is probably a good idea to keep at least one with you so you have the information to disburse in case someone asks you about it.
Foreclosed properties hurt neighborhoods and while none of us, as REALTORS®, probably ever thought that we’d be involved in anything like helping people keep their homes, this situation has happened and if we take the time to help out with this project, we’ll reap the rewards later!
Have a great Thanksgiving!
Blue Skies!
Statements of fact and opinion are the
opinions of the authors and do not imply an endorsement on the
part of the “Mahoning Valley REALTOR®,” its editorial staff
or the association.
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Last Call For SUPRA Key and
KeyBox Exchange |
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On Monday, October 27th and Tuesday, October 28th, the Youngstown Columbiana Association of REALTORS® held a
SUPRA Key and one-for-one KeyBox exchange event at the Holiday Inn in Boardman.
All members were notified of this exchange by numerous mailings
and announcements from the association. All members also received a personal mailing from SUPRA announcing this event.
There are still some members who have not exchanged their
Key or KeyBoxes.
PLEASE BE ADVISED: IF YOU DID NOT YET EXCHANGE
YOUR SUPRA DISPLAY KEY FOR A NEW ACTIVEKEY or EKEY, YOUR DISPLAY KEY WILL BE SHUT OFF ON
WEDNESDAY, NOVEMBER 5TH!
You have until November 18th to exchange your key at the association office,
however, you do need an appointment to make your
exchange.
After November 18th, if you still have not exchanged your key,
SUPRA will charge you a $50.00 activation
fee.
You need to bring your DisplayKey and cradle/charger with you,
along with cash, check or credit card as it is necessary to pay
$87.03, your SUPRA key fee for the next 6 months, at the time you
receive your new key.
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2009 State & National Dues Assessment Increase |
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The local portion of your 2009 dues will remain at $247.00 with the community service fee to also remain at $10.00.
OAR has increased state dues to $110.00 with national dues
remaining at $80.00. The NAR dues assessment will increase to $35.00 bringing the total REALTOR® payment for 2009 to $482.00.
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New FHA
ToolKit |
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 Introduce yourself to FHA with this interactive toolkit.
This kit is an interactive education piece designed for REALTOR® members with little previous experience in using products offered by FHA or members who have not utilized FHA products in recent years. The toolkit provides an overview of FHA, detailed information on FHA products and resources to address common misconceptions about FHA mortgage insurance programs.
Using the toolkit REALTORS® will understand how FHA's mortgage insurance programs help low and moderate income families become homeowners by lowering some of the costs of their mortgage loans.
The components of the toolkit allow the user to learn how FHA has become easier to use and why FHA is a great option for clients. The toolkit has several components including the FHA brochure, interactive CD, program booklet, quick reference guide and two pullouts.
Click
here to order FHA ToolKit... Price: $29.99
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Click
here to visit this advertiser's website
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| Important E&O
Information
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IMPORTANT E&O INFORMATION FOR REALTOR® MEMBERS
FROM JOHN PEARL & ASSOCIATES, OAR'S ENDORSED E&O CARRIER
Attention REALTORS®
As the endorsed Errors & Omissions Insurance Company for the Ohio Association of REALTORS® we want to inform you that we have been seeing an increased amount of claims where agents are handling their own transactions improperly.
This is to remind you that each E&O carrier treats agent-owned properties differently.
E&O Insurance is NOT INTENDED to cover self-dealing and special terms apply when doing so. E&O Insurance does NOT cover an agent buying property.
If you are with the XL Insurance Group's E&O program, the following guidelines will ensure coverage for working with your own properties. If you are insured through anyone else, please see your policy document for special provisions.
Under ALL polocies, if agents are themselves constructing new homes or developing lots (or an immediate family member is doing so), a special endorsement is needed in order for your office to have coverage when listing/selling these properties.
Please feel free to contact us if you should have any questions.
Jami Renfrow at 800-289-8170
Jami.renfrow@pearlinsurance.com
Steve Spomer
888-619-1883
steve.spomer@pearlinsurance.com
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Mortgage Forgiveness Debt Relief Act |
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 What is the Mortgage Forgiveness Debt Relief Act of 2007?
The Mortgage Forgiveness Debt Relief Act of 2007 was enacted on December 20, 2007
(see News Release
IR-2008-17). Generally, the Act allows exclusion of income realized as a result of modification of the terms of the mortgage, or foreclosure on your principal residence.
What does that mean?
Usually, debt that is forgiven or cancelled by a lender must be included as income on your tax return and is taxable. The Mortgage Forgiveness Debt
Relief Act of 2007 allows you to exclude certain cancelled debt on your principal residence from income.
Does the Mortgage Forgiveness Debt Relief Act of 2007 apply to all forgiven or cancelled debts?
No, the Act applies only to forgiven or cancelled debt used to buy, build or substantially improve your principal residence, or to refinance debt incurred for those purposes.
What about refinanced homes?
Debt used to refinance your home qualifies for this exclusion, but only up to the extent that the principal balance of the old mortgage, immediately before the refinancing, would have qualified.
Does this provision apply for the 2007 tax year only?
It applies to qualified debt forgiven in 2007, 2008 or 2009.
If the forgiven debt is excluded from income, do I have to report it on my tax return?
Yes. The amount of debt forgiven must be reported on Form 982 and the Form 982 must be attached to your tax return.
Do I have to complete the entire Form 982?
Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082
Adjustment), is used for other purposes in addition to reporting the exclusion of forgiveness of qualified principal residence indebtedness. If you are using the form only to report the exclusion of forgiveness of qualified principal residence indebtedness as the result of foreclosure on your principal residence, you only need to complete lines 1e and 2. If you kept ownership of your home and modification of the terms of your mortgage resulted in the forgiveness of qualified principal residence indebtedness, complete lines 1e, 2, and 10b. Attach the Form 982 to your tax return.
Where can I get this form?
You can download the form at IRS.gov, or call 1-800-829-3676. If you call to order, please allow 7-10 days for delivery.
How do I know or find out how much was forgiven?
Your lender should send a Form 1099-C, Cancellation of Debt, by January 31, 2008. The amount of debt forgiven or cancelled will be shown in box 2. If this debt is all qualified principal residence indebtedness, the amount shown in box 2 will generally be the amount that you enter on lines 2 and 10b, if applicable, on Form 982.
Can I exclude debt forgiven on my second home, credit card or car loans?
Not under this provision. Only cancelled debt used to buy, build or improve your principal residence or refinance debt incurred for those purposes qualifies for this exclusion.
If part of the forgiven debt doesn't qualify for exclusion from income under this provision, is it possible that it may qualify for exclusion under a different provision?
Yes. The forgiven debt may qualify under the "insolvency" exclusion. Normally, a taxpayer is not required to include forgiven debts in income to the extent that the taxpayer is insolvent. A taxpayer is insolvent when his or her total liabilities exceed his or her total assets. The forgiven debt may also qualify for exclusion if the debt was discharged in a Title 11 bankruptcy proceeding or if the debt is qualified farm indebtedness or qualified real property business indebtedness. If you believe you qualify for any of these exceptions, see the instructions for Form 982.
Is there a limit on the amount of forgiven qualified principal residence indebtedness that can be excluded from income?
There is no dollar limit if the principal balance of the loan was less than $2 million ($1 million if married filing separately for the tax year) at the time the loan was forgiven. If the balance was greater, see the instructions to Form 982, page 4.
Is there anything else I need to know before filing?
Yes. Because the Mortgage Forgiveness Debt Relief Act of 2007 was passed so late in the year, the software systems used by tax preparers and at the Internal Revenue Service need to be updated to accept the revised Form 982. The IRS expects to be able to process the new Form 982 electronically on March 3, 2008.
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FHA Only
Accepting Applications From State Certified Appraisers |
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Effective Oct. 1, 2008, the Federal Housing Administration is only accepting new applications from state-certified appraisers. No new applications are being accepted from state-licensed appraisers. This is a result of the Housing and Economic Recovery Act of 2008, signed into law on July 30, 2008. The act states that FHA can only accept appraisers that are certified by a state or a nationally recognized organization. Apprasiers must also demonstrate verifiable education in appraisal requirements as established by FHA.
HUD Information for Appraisers ...
Key Provisions of HERA
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REALTOR® Trade
Fair 2008 |
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Thanks to all the vendors who participated in our 14th Annual Trade Fair on Thursday, October 2, 2008 at Mr. Anthony's. Special thanks to our Member Sponsors: Cheese Table sponsored by Homes Magazine; Dessert Table co-sponsored by Title Works Agency; First Place Bank and Huntington National Bank co-sponsored
the Hors d'oeuvres Table.
"Best in Show" (Jimmy Buffet Theme) went to Assurance Land Title with "Best Costume" going to Alex Dankovich of WIN Canfield.
And, many thanks to all the committee members who planned this great event!
OUR VENDORS
| 1st
Metropolitan Mortgage |
| 2-10 Home Buyers
Warranty |
| A Step Above Home
Inspections |
| All Ohio Title & Escrow |
| American Business
Center |
| American National
Insurance |
| Armstrong Cable |
| Associated Federal
Abstract & Escrow |
| Assurance Land Title |
| Bass Home Inspection |
| Bloodhound Home
Investigations |
| Boardman Home
Inspection |
| Capital Credit Repair
Foundation |
| Chase Home Mortgage |
| Commonwealth Suburban
Title Agency |
| Cortland Banks |
| Creekside Mortgage |
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| CRIS-Regional
MLS |
| First
Communications |
| First Place
Bank |
| Grace
Services |
| Handel's
Ice Cream |
| HBA of
Mahoning Valley |
| Health
Index |
| Home
Mortgage Company |
| Home
Savings |
| Homes
Magazine |
| Hondros
College |
| Hunter-Stevens
Land Title |
| Huntington
National Bank |
| K.E.L. Home
Inspections |
| National
City Bank |
| O'Neill
Concrete |
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| Pillar
to Post |
| R.
Kashmiry & Associates |
| Red
Diamond Uniform |
| Reliable
Title Agency |
| Scent-Sations |
| Seven
Seventeen Credit Union |
| Shingles
Roof Cleaning |
| Stadium
Lincoln Mercury |
| Super
Suppers |
| SUPRA |
| The
Vindicator |
| TV
Showcase |
| Valley
Title & Escrow |
| Wells
Fargo Home Mortgage |
| Wells
Fargo Insurance Services |
| WIN
Canfield |
| Youngstown/Warren
Chamber |
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We Need Your
Help! |
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Share your time, one hour once a week, to help a
child!
Two zero zero, six zero zero zero, four eight five.
We are in need of volunteers to tutor at the Eagle Heights Academy on Market
Street in Youngstown, starting January 2009.
Please fill out the volunteer form (click
here) and fax it to the association office.
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Simple Phrase Could Save Your Life |
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A distress code is a spoken word or phrase that is not commonly used but can be worked into any phone or in-person conversation for cases where you feel that you may be in danger. Use this code if the person you are with can overhear the conversation, but you don't want to alarm them.
They can be helpful in situations where you are uneasy but do not feel you are in danger and/or may not be able to call 911.
Follow these steps to set up and use a distress code:
1. Choose a distress code word or phrase and share it with your colleagues, friends and family - anyone you might call in an emergency situation. Your distress code should be something simple, easy to remember and something that will not arouse
suspicion if said in front of a possible criminal or your client. Examples of distress codes include words such as colors, phrases or everyday items that when combined or used in a specific sentence can alert the person on the other end of the phone to a potentially dangerous situation.
2. Examples include "Hi this is Jane. I'm at the showing. Could you look up something in the
red file for me?" Or, "I'm with Mr. Henderson and I just realized that I can't find my
Blackberry. Can you see if I left it there?" (Assuming you don't have a Blackberry. It may make the most sense for everyone in your office to share a single distress code making it easier to remember.
3. The person who receives your call with the distress code will then be alerted that you may be in danger. At your prearranged signal, they will know to call 911 on your behalf or, after asking a few careful questions, can arrange to meet you so that you are not alone or call you back and ask you to return to the office to respond to an "emergency situation."
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| Action |
The Directors of the Association took the following actions during
the month of October 2008:
NOTE: Absence from three (3) regularly scheduled meetings of the Board of Directors without
an excuse deemed valid by the Directors shall be construed as resignation from the Board of
Directors. You must call the Association office ahead of the scheduled meeting to request to be
excused.
In Attendance: President Kathy Carroll, President-Elect Eric
Caspary, Treasurer David Klacik, Joan Zarlenga, John Burgan, Dawn Kuhn, Ray Knight.
Excused: Immediate Past President Gwen Bush, Debbie Parisi, Bob
Weily, Carolyne Toth and Affiliate Member Jennifer Hanigosky of Home Savings
Absent: Nancy Cuffle, Dom Vechiarelli
 Approved the minutes of the September 11, 2008 Directors meeting as written.
Filed the association's Financial Statement for September, 2008 for review.
Approved to sell both Microsoft and
UCFC stock and purchase Ultra Financials
Proshares, an exchange traded fund.
Approved to move 100% of the New Economy Fund, $15,000 from Washington Mutual
Fund and $10,000 from AMCAP Fund into Fundamental Investors Fund.
Approved 15 complimentary tickets to the 2009 Installation Dinner
Reported the election results.
Updated the Directors on the actions taken by the OAR Directors at the
September state convention in Columbus.
Approved the provisional REALTOR® membership of three applicants; the
application of one new broker/company; the reinstatement of REALTOR® membership of
two applicants and the Affiliate membership of two applicants.
Approved the suspension of the provisional REALTOR® membership of one member
who did not complete NAR's Code of Ethics training within 90 days of making
membership application.
Approved President-Elect Eric Caspary's 2009 Committee Chairman and
Co-Chairman appointments:
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Affiliate Council Chairman Jennifer Hanigosky
Budget & Finance Committee Chairman Joan Zarlenga
Building Advisory Committee Chairman Dave Walker
Bylaws & Policy Review Comm Chairman David Klacik
Equal Opportunity Committee Chairman Marsha Ruha
Education Committee Chairman Nancy Wilber
Grievance Committee Chairman Gwen Bush
Installation Committee Chairman Janice Stevens
Investment Committee Chairman David Klacik
Legislative Committee Chairman Tom Williams
Legislative Committee Co-Chairman Kathy Carroll
Personnel Committee Chairman David Klacik
Purchase Agreement Committee Chairman Debbie Parisi
Professional Standards Comm Chairman Paul Bevilacqua
Professional Standards Comm Co-Chairman Betty Belding
RPAC Committee Chairman Jerri Florio
RPAC Committee Co-Chairman Carole A. Sharkey
Trade Fair Committee Chairman Karen Ament
Soup Kitchen Committee Chairman Georgia Evich
Soup Kitchen Committee Co-Chairman Marisa Volpini
Tutors Committee Chairman Joe Zidian |
Approved President-Elect Eric Caspary's appointments to the 2009 Grievance
Committee for staggered 2 and 3 year terms:
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Charley Althof (10)
Dan Dull (11)
Alicia Kosec (11)
Judy Whittenberger (10)
Julie Johnson (11) |
Approved President-Elect Eric Caspary's appointments-reappointments to
the 2009 Professional Standards Committee for staggered terms:
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Joe Zidian (11)
Frank DiRubba (11)
Kathy Hendricks (11)
Terri Hoon (11)
Dave Walker (11)
Joanne Petrosky (11)
Mary DeLahunty (11)
Phyllis Denton (11)
Sherry DeMar (11)
Lisa Lee (12)
Jack Pearce (12)
Susan Penwell (12)
Audrey Geskey (12)
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Approved President-Elect Eric Caspary's appointments to the 2009
Personnel Committee for staggered terms:
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Joan Zarlenga (12)
Dave Walker (11)
Paul Bevilacqua (11) |
Approved President-Elect Eric Caspary's appointments to the 2009 Investment
Committee for staggered terms:
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Joan Zarlenga (12)
Jim Grantz (10)
Bob Weily (10) |
Approved President-Elect Eric Caspary's appointments to the 2009 CRIS Board
of Directors of Terri Hoon, Judy Whittenberger and Ray Knight with alternate
Funmi Olarewaju.
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Email
Midland Title and Inter-County
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Education |
NOTE: All seminar registration
forms must be completed and signed by each individual attendee and
faxed, mailed or delivered to the YCAR office prior to the seminar.
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YCAR - 330-788-7026 Joanna Freiberg
Mink Education - 330-856-5700
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| November 13 |
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"It's a New Game" - YCAR
FREE Lunch & Learn
12 Noon - 1:30 pm, YCAR Association Office
Click here for
flyer of details! |
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| November 14 |
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"Lead
Base Regulations" - YCAR
3 Hours CE
Speaker: John Zilka
8:30 am to 12 Noon, YCAR Association Office
27 registrants - $15 YCAR Members, $20 Non-Members
Click
here for registration fax form
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| November 17 |
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"Content
Buyer" - Mink Education
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| November
24 |
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"Taxes
& The Real Estate Market" - Mink Education
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FREE Lunch & Learn
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Come learn from appraisers, title companies,
lenders,
home inspectors and more!!
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Lunch & Learn Thursday, November 13, 2008
FREE LUNCH
12 noon –
1:30 p.m. YCAR Association office
Call Joanna Freiberg at 330-788-7026
to make your reservation now!
Click here for
flyer of details! |
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Coming
Events
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| November 13 |
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Board
of Directors, 8:30 am |
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| November
13 |
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"Free" Lunch &
Learn, "It's a New
Game" - 12:00 pm to 1:30 pm
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| November 17 |
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CRIS
Board of Directors, Akron 1:30 pm
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| November 18 |
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Professional Standards Training,
Hunter-Stevens - 1:00 pm
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| November
19 |
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Affiliate
Council Meeting - 1:30 pm
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| November
20 |
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New
Member Orientation - 8:30 am
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| November
24 |
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Grievance
Committee Meeting - 9:30 am
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| November
25 |
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MVR
Contest Drawing for Free Dues - 3:00 pm
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| November
27 |
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HAPPY
THANKSGIVING!! Association Office Closed!!
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| November
28 |
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Association
Office Closed!!
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In Sympathy
The Youngstown Columbiana
Association of REALTORS® offers their condolences to:
REALTOR® Anthony Sferra of Cocca Real Estate II on the passing of his brother Alan
Sferra, who passed away on October 13, 2008.
REALTOR® Carolyne Toth of Eaton Group Inc./GMAC RE, on the passing of her mother
Lucy Rose DiVincenzo, who passed on October 25, 2008.
REALTOR® Jim Kaminski of Coldwell Banker First Place RE, on the passing of
his mother-
in-law Anna Samlow, who passed on October 27, 2008.
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| Read
It and Reap
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Wow!! Three eight one, eight two three. No one found their file number again!! Not one
of the three hidden file numbers in the October issue of the Mahoning
Valley REALTOR® online newsletter were found.
Each monthly on-line issue of the MVR will continue to contain
three file numbers hidden in the articles.
If you find your
file number while reading your association's monthly REALTOR®
publication, call Joanna Freiberg at 330-788-7026 and your name
will be placed in the "HAT" for the free dues drawing
(local portion $247) to be held on Tuesday, November 25, 2008 at
the Association office.
Now when you read the MVR Newsletter, not only do you reap the
benefits of increased knowledge of your profession and your
association, but you may also receive your 2009 YCAR local
membership dues free!
In order to be eligible for the drawing, you must call in your
found file number by the 15th of each publication month.
The following numbers are no longer eligible: Bernie Sabelli
#385162, Sara Urs #2006001093 and
Larry Myers #445551.
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Welcome New Members
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L-R: Robin Westover, Jennifer Stoffer, Karen Neapolitan and President Kathy Carroll.
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Welcome New Agents
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Karen Neapolitan - Exit Realty Home Pride
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Welcome New Affiliate Companies
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Christine Lucarell & Associates, LLC - Christine Lucarell
Mike Wisniewski Appraisals, LLC - Michael Wisniewski
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Reinstatements
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Deborah Vizi - Cocca Real Estate
Shirley Harbin - McKinney & Associates
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Transfers
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Frank Hunt from Howard Hanna Co.
to Payback-Realty.com LLC
David Mann from Century 21 Prestige Realty Group to Northwood
Realty Services
Brian Abruzzi from Charles P. Zidian, Jr. & Assoc. to Century
21 Prestige Realty Group
Kathleen Hudock from Mayo & Associates to Coldwell
Banker First Place Real Estate
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Click here to visit
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MEMBERABILIA
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Annie Saadeh
Company: Payback-Realty.com
Birthplace: Flint Michigan
Marital Status: Married, 22yrs.
First Job: Secretary at GM Assembly
How I got started in Real Estate: My husband and I have had rental properties both in residential and
commercial.
Car: Volkswagon Jetta Diesel, 50 miles to a gallon!!
Favorite thing about Youngstown area: The people.
Favorite vacation spot: Siesta Key, Florida
Favorite TV show: The Apprentice
Favorite midnight snack: Ice cream.
Favorite book: Any fashion magazine or Trump books.
Favorite movie: The Money Pit
My pet peeve: People who don't answer calls.
What makes me mad: Not much. I think positive!
The glass is always full!
My favorite saying: It's that Simple!
A really great evening is: Being with my family.
My most valued material possession: Pictures of my family.
If I had time and money I would: Be in Siesta Key, Florida with my feet in the sand.
The one person I would like to meet: Donald Trump
My mentors are: My husband. I learn so much from him.
What I find most challenging about being a REALTOR®: Understanding the business in general.
If I wasn't in real estate I'd be: Retired in Siesta
Key, Florida.
My daily working philosophy is: Work, work, work. Give it all you can and stay happy with what you do.
A final word: Our industry is changing and we need to listen to the consumer. Enjoy what you do. I wish to give
back to the community and help the consumer. Payback-Realty.com is a start.
We pay you to buy a
house from us. It's that simple.
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Congratulations!! |
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To REALTORS® Sherri Nemenz and her father Tom
D'Amico on the birth of baby son and grandson Henry Thomas
Nemenz.
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Thank You
Trade Fair Sponsors |
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Thanks go out to Commonwealth Suburban Title Agency and Homes Magazine
for sponsoring our REALTOR® Trade Fair Seminar "Pricing Strategies in the 21st Century"
with national speaker Jackie Leavenworth on October 2, 2008 at Mr.
Anthony's.
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DUES DEADLINE IS DECEMBER
1ST! |
PLEASE MAKE NOTE OF THE FOLLOWING PROCEDURES
November 1st - Dues notices sent to members.
December 1st - DEADLINE FOR DUES PAYMENT!
December 2nd - LATE FEE OF $50.00 APPLIED!
December 2nd Certified letter mailed to each "Designated Broker" listing unpaid agents, stating the
Association services will be suspended for those agents if dues are not received by the Association by December 10th.
December 11th Association services automatically suspended for any agent with unpaid
dues. Services,
including MLS, will suspend to the company with any broker who has unpaid dues.
January 2nd (OR THE FIRST DAY AFTER THE HOLIDAY) Certified letter sent to each "Designated
Broker" with any unpaid agents stating that termination of the agent(s) will be voted on
at the January
Board of Directors meeting. Upon termination, broker and/or agent would need to reapply for
association membership, pay application fee and be approved by the Board of Directors.
OUR GOAL IS TO COLLECT DUES IN A TIMELY MANNER, NOT TO SUSPEND SERVICES TO MEMBERS.
DON'T FORGET TO PAY YOUR DUES BY DECEMBER 1ST!!!
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QUIZ OF THE MONTH
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REALTOR.ORG/realtormag
has created more than a dozen challenging but entertaining interactive quizzes
on hot topics that affect your business, from fair housing laws to office
organization.
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