Young. Professionals REAL ESTATE. How they succeed in a challenging market. September 13-15, Seminar & Webinar Schedule.

Size: px
Start display at page:

Download "Young. Professionals REAL ESTATE. How they succeed in a challenging market. September 13-15, 2010. Seminar & Webinar Schedule."

Transcription

1 Where The Stars Are Young Professionals How they succeed in a challenging market p Rookie REALTOR Seminar & Webinar Schedule p 16 Maryland Association of REALTORS Meet the Staff * REAL ESTATE MAIN SPONSORS: September 13-15, 2010

2

3 President s Perspective Steve Meszaros MARYLAND HOME MAKEOVER Begins Its Next Renovation In July, Maryland REALTORS and the Partnership for Housing (PFH) Foundation announced its second home renovation project through the Foundation s Maryland Home Makeover program. Danny Barry suffered a traumatic brain injury at 9 after a diabetic stroke and subsequent coma. Now 22, his everyday life is challenging and the Barry s split foyer home required changes to adapt to Danny s needs. Danny s father is a career military retiree, now a civilian, serving with the military in Iraq. Maryland Home Makeover Program funded the renovation of the lower level footprint of the Barry home, with a new handicapped entrance in place of the garage door, expanded living and sleeping space for Danny, closets and a family gathering area. The project was made possible through the efforts of Harkins Builders Inc., and support from the Anne Arundel Association of REALTORS and its local Women s Council of REALTORS. Through this program, we are making an impact on Maryland families and communities. For additional information about the Barry family and MARYLAND HOME MAKEOVER, visit IN THIS ISSUE Read the profile of eight Maryland Young Professionals, selected as NAR s 30 under 30 finalists over the last ten years. We asked them how they succeed and what they would do differently if they were just starting out. Look for our new feature, Commercial Connections, written by MAR attorney Celeste Filoia. Although the column is focused on issues of importance to commercial practitioners, it will also provide relevancy to the residential practitioner. September marks REALTOR Safety Awareness month. NAR will host a series of Webinars on Open Houses, Social Media, Identity Theft, and Distressed Properties. Visit to learn more details. HANDSFREE CELL PHONE DEVICE REQUIRED Effective October 1, 2010, Maryland joins states that prohibit the use of handheld phones by drivers while operating a motor vehicle. The law prohibits a driver over the age of 18 from using a handheld telephone while driving a motor vehicle in motion. THE STRENGTH OF VOLUNTEERS It has been an honor to serve Maryland REALTORS and our Association. Special thanks to the 2010 Leadership Team Cathy Werner, Pat Terrill, Carlton Boujai, Iona Harrison, CEO Mary Antoun, and the Executive Committee for their support. Consider making a commitment to volunteer at your local association. You will be rewarded in countless areas of your personal and professional life. Danny Barry proudly wears a REALTOR pin given to him by Steve Meszaros MARYLAND REALTOR August/September

4 August/September Features 8 Maryland association of realtors A Conversation with 2011 President Cathy Werner Rookie REALTOR Seminars Taking it on the Road Realtor safety Tips: Clients need safety too! rookie realtor seminar & webinar schedule 16 Maryland association of realtors Meet the Staff 20 cell PHONES AND DISTRACTED DRIVING 22 WHERE THE STARS ARE Young Professionals How They Succeed in a Challenging Market table of contents 38 UNCLAIMED MONEY MAY BE YOURS Departments 3 president S LETTER 6 MAR 2010 LEADERSHIP TEAM commissioner S CORNER Commission Considers Licensing for Property Managers 30 MARYLAND REAL ESTATE COMMISSION NEWS Condo Buyers May Request Refund of Earnest Money 31 RESIDENTIAL SALES After the Tax Credits 34 FROM THE HOTLINE First-Time Homebuyer Addendum: Who Pays Transfer Taxes? MRIS UPDATE Real Estate in Real Time 37 commercial CONNECTION NEW COLUMN! Business Owners Find Value in Cost Segregation Studies 4 MARYLAND REALTOR August/September 2010

5

6 2010 Maryland Association of REALTORS Leadership Team Steve Meszaros President Long and Foster Real Estate, Inc. 802 Landmark Drive, Suite 111 Glen Burnie, MD Fax Patricia A. Terrill Secretary Prudential Carruthers REALTORS 7500 Coastal Highway Ocean City, MD Fax Iona C. Harrison Immediate Past President Pioneer Realty Inc Declaration Lane Potomac, MD Cathy A. Werner President-Elect RE/MAX American Dream 9414 Belair Road Baltimore, MD Fax Carlton J. Boujai Jr. Treasurer Exit Realty Prosperity Group 5300 Westview Drive Suite 105 Frederick, MD Mary C. Antoun Chief Executive Officer Maryland Association of REALTORS 200 Harry S Truman Parkway, Suite 200 Annapolis, MD Maryland Association of REALTORS 200 Harry S Truman Parkway Suite 200 Annapolis, MD Executive Leadership Team Steve Meszaros President Cathy A. Werner President-Elect Patricia A. Terrill Secretary Carlton J. Boujai Jr. Treasurer Iona C. Harrison Immediate Past President Mary C. Antoun Chief Executive Officer Editor Deborah L. Hager Advisory Committee Lee Hatfield Chair Ken Montville Vice Chair Advertising & Publication Design Art Comp & Design Alison Cooper Senior Designer 1921 York Road, Timonium, MD Mission Statement The Maryland Association of REALTORS exists to support all segments of its membership and their specialties. The Maryland Association of REALTORS, through collective efforts with local boards/associations and the National Association of REALTORS : Develops and delivers programs, services and related products that maintain and elevate the high standards of the real estate business and the professional conduct of its practitioners; Assists members in ethically and professionally serving the public; Promotes and preserves the right to own, transfer and use real property; and Protects the right of members to conduct business within a framework of fair and reasonable laws and government regulations. In principle and in practice, the Maryland Association of REALTORS values and seeks diversity and inclusive participation within the field of real estate and recognizes each member as a unique individual. Maryland REALTOR (USPS ) is published bimonthly by the Maryland Association of REALTORS, 200 Harry S Truman Parkway, Annapolis, MD Periodical postage paid at Annapolis and additional mailing offices. Postmaster send address changes to: Maryland REALTOR, 200 Harry S Truman Parkway, Annapolis, MD Member subscriptions of $3.81 are paid with annual dues. This publication is designed to provide accurate and authoritative information regarding the subject matter covered. It is offered with the understanding that the publisher is not engaged in rendering professional advice. If legal advice or other expert assistance is required, the services of a competent professional should be sought. Articles that appear in Maryland REALTOR are an informational service to members. Their contents are the opinions of the authors alone and do not necessarily represent those of the Maryland Association of REALTORS. Permission to reprint articles appearing in Maryland REALTOR magazine must be requested in writing. Also include purpose for request. While this magazine makes a reasonable effort to establish the integrity of its advertisers, it does not endorse advertised products or services unless specifically stated Maryland Association of REALTORS, Inc. 6 MARYLAND REALTOR August/September 2010

7

8 Maryland Association of REALTORS A Conversation with 2011 President Cathy Werner MAR 2011 President Cathy Werner shares her thoughts on the past and the future of the real estate industry. Q: A: Q: A: Q: A: When were you licensed? I received notice that I had passed the real estate exam on Christmas Eve in My daughter, Nicole, was 9 years old at the time and I was a stay-at-home mom. Pursuing a career in real estate seemed attractive to me because it was something I could do part-time and contribute financially to the household. The idea was that my husband could watch Nikki on evenings and weekends while I sold real estate. How hard was it for you to get started? Very hard. I was late for my first listing appointment because my car had a flat tire - I did get the listing though. It was 9 months before I had a sale and 11 months before I received my first commission check. With almost a year s investment of time and money without any income, I almost quit. The flat tire clients were happy with the service I gave them and did refer me to others that s when things finally started to kick in for me. How did your real estate career progress from there? It was slow going for some time. I had plenty of time so I decided to focus on education. I wanted to learn as much as I could about buying and selling real estate since we advise our clients and customers on what may be the largest financial investment of their lives. I earned my GRI first, then CRS and then my associate broker license. Later I received my ABR designation and most recently my CDPE. It took a while, but eventually I increased my production to the point that I was among the top producers in the office. I feel strongly that the amount of education I received contributed greatly to my success. 8 MARYLAND REALTOR August/September 2010

9 Q: A: Why did you decide to start your own brokerage? What I love about the real estate profession is that one s potential is unlimited. Having my own brokerage was the next logical step to get to know them they will be impressed. I invite all MAR members to visit the MAR office in Annapolis. I think they will all be amazed at the number of services that are available to them and the level of effort that is directed on their behalf. for me. I wanted to help others accomplish their dreams, just as I had through my career in real estate. I purchased a RE/MAX Q: What do you like to do in your spare time? Q: A: franchise and named the company American Dream because I feel that, to many people, homeownership is the foundation of the American Dream. What changes have you seen in the real estate industry in the past 26 years? Everything and nothing. When I started, there were no computers. In fact, when fax machines came out, the agents in the office voted A: Q: Balance is also important to me. I encourage everyone to support a charity of choice. I love spending time with my family every chance I get. I have several hobbies vacationing in the Caribbean, reading, cooking, golf, gardening. I am a licensed Coast Guard Captain. But I stopped riding my Harley when I became a grandmother. What would you like to say to the members of MAR? against having one! We received listings daily by mail. Technology has changed the way we work information is readily available to A: Get involved you can make a difference. everyone. What hasn t changed is that real estate is still a contact sport. Relationships are the key to success. Q: How did you become involved in the association? A: As I became more successful in my business, I wanted to give back to the industry that had given me the opportunity to become successful. I started volunteering on committees at the local and the state levels. Over time I served at the officer level and became the 150th president of the Greater Baltimore Board of REALTORS, the oldest real estate board in the country. As president of GBBR I was selected to serve on MAR s Executive Committee. I met Q: A: wonderful REALTORS from across the state and my interest in serving at the state level grew. As incoming MAR President, what do you think are the challenges Maryland REALTORS face? We are all facing financial, political and other issues. MAR is active in monitoring and lobbying on issues such as proposals to tax real estate commissions, property tax increases, property values, financing, appraisals and other issues affecting the ability of Marylanders to buy and sell homes. The strength of our 24,000 members gives us a powerful voice in Annapolis on housing issues. I am honored to be representing this wonderful organization. The MAR staff is incredible I would like for all of our MAR members MARYLAND REALTOR August/September

10 Clients Need Safety Tips, Too! MAR and the NATIONAL ASSOCIATION OF REALTORS have worked hard to keep REALTOR Safety foremost in everyone s minds. But what about your clients? They, too, face some dangers in allowing strangers into their homes or visiting other people s properties. Share this valuable advice with everyone, and you ll help them learn to protect themselves against crime: m Remind sellers that strangers will be walking through their home during showings or m Warn your clients that not all agents, buyers and sellers are who they say they are. Strangers who open houses. Tell them to hide any valuables in a safe stop by a listing unannounced should be asked to make an place, including prescription medications and alcohol, as well appointment with the listing agent. Stress that your clients as personal information such as bank statements that could should never show a home without an agent present. be used for identity theft. 10 MARYLAND REALTOR August/September 2010

11 m Inform your clients that they are responsible for their pets. If possible, animals should be removed during m When you leave a property, whether after an open house or a showing, make sure that all doors and showings. Make clients aware that buyers and agents are windows are locked. Thieves commonly use open sometimes attacked, and the owner will be held liable. houses to scout for valuables and possible points of entry, then return after the agent leaves. m At an open house, be alert to the pattern of visitors arrivals, especially near the end of showing hours. In some areas, a group of thieves will show up together near the end of the open house and, while a string of supposed buyers distracts the agent, the rest of the group walks through the house, stealing valuables. m Let your clients know that you will take all of the above safety precautions, but that when they return home, they should immediately verify that all doors are locked and all valuables ARE accounted for. Visit NAR s REALTOR Safety Web site at This article is part of the NATIONAL ASSOCIATION OF REALTORS REALTOR Safety Resources Kit. (Sources: Nevada County Association of REALTORS (CA); Realty Times) GRI The Next Level Here s what you can expect from attending GRI networking and referral opportunities increased knowledge on a wide array of topics and skill enhancements confidence building through in-depth knowledge, skills training and better understanding of industry practices earn a national designation which has proven greater income potential receive continuing education credits, and earn credits toward your broker/associates brokers license. Why wait? For class schedules and program details, visit Click the Education tab and scroll to REALTOR Institute (GRI), GRI Overview. MARYLAND REALTOR August/September

12 The 2010/2011 Rookie REALTOR seminar series is going on the road; traveling to four areas around the state and we hope you ll join us! Rookie REALTORS are encouraged to register and attend seminars at any location. During the winter months, we will conduct four Webinars, open to ALL MEMBERS! Online registration will open September 1. Registrants will receive attendance confirmation and detailed directions to the onsite seminar locations. Open to all REALTORS November 3, The Eleven Secrets of Business Planning Success (WEBINAR) Just as you may not always need a map to find the best route to your destination, having a written business plan requires less energy, saves time, and helps you avoid the chaos of taking a "wrong turn." In this fast paced, content rich session you will learn how to create the key business plans that every successful agent must have: a strategic business plan and a daily task plan. You will also learn eleven business planning secrets that will help you handle peaks and valleys in revenues while keeping your production and lead conversion strong no matter what the market does. December 8, Lead Generation & Prospecting Strategies (WEBINAR) Designed for both the new agent and the agent who needs a jump-start, this program will help agents generate more leads than they can handle! Learn how to drive prospects to you by developing a response marketing program. This program contains the information needed to develop a rejection-free, low cost prospecting system and to build a power base of loyal customers and clients with winning scripts and dialogues. All of this PLUS the Hour of Power! January 7, Taxes (WEBINAR) This seminar will not only include the latest in Tax Write-offs for the Self Employed but will also include tax and financial planning tips based on the new tax laws included in the Health Care Bill of Other major issues that are taking shape in Washington, such as the elimination of the tax benefits of the S Corporation, the new 1099 reporting requirements, current IRS priorities and the status of the Federal Estate Tax will be covered in detail. February 4, Social Media (WEBINAR) Nationally recognized technology speaker Amy Cherow will use LinkedIn to illustrate 7 Tips to Social Networking Success. Learn how to successfully leverage your profile for business using Facebook and the dos and don ts for using Facebook as a prospecting tool. How to gain clients using Twitter, make money with this micro blog phenomenon also the basics for using Blogging as a Marketing Tool. Webinars Rookie REALTOR Seminar & Webinar Schedule October 8, 2010 Negotiating LOCATION: Pearlstone Retreat and Conference Center, Reisterstown You have not because you ask not! You will walk away with strong negotiating techniques and be able to demonstrate how to respond and interact appropriately so that each side gets what they want. March 2, 2011 Foreclosures, REOs, Short Sales LOCATION: La Fontaine BleuE, Lanham Get a much needed road map to help your buyers or sellers navigate through the Foreclosures, REOs and Shorts Sales Processes. April 13, 2011 Friendly Persuasion... Perfecting Your Listing Presentation LOCATION: Hagerstown Community College, Hagerstown If you are constantly being confronted with seller resistance; your commission is too high, we need to sell for more, we have lots of time, can t we just try. Would you like to be more masterful in handling that resistance? This session is designed for you! You will learn the 3 Fundamental Elements that affect the outcome of any negotiation, and the application of each, the 3 Predictable Forms of Resistance, and how to overcome each and, the secret to eliminating, handling, and answering the most common seller objections. Rookie REALTOR Seminars May 18, 2011 Financing LOCATION: Sailwinds Park, Governors Hall, Cambridge There are ways to get your clients approved for financing even in the midst of lenders tightening their requirements. Discover the tips to get even the most challenged buyer financed in today s market. Taking it on the Road Onsite seminars 12 MARYLAND REALTOR August/September 2010

13 MARYLAND OFFICES Annapolis Bethesda Canton Crofton Elkton Federal Hill Gaithersburg Harford County Howard County Ocean City Ocean City West Ocean Pines Pikesville Roland Park Salisbury Severna Park Silver Spring Towson VIRGINIA OFFICES Alexandria Not All Companies Are the Same See how the other companies compare: PCR Company X Locally Owned and Operated Offices National Brand with 98% awareness TeamBuilder Bonuses for Helping the Company Grow 1,000 s of Sales Leads from Business Development Department First Class Office Facilities and Agent Workspace Full Time Non-competing Managers Comprehensive Ongoing Agent Training Programs Sales Professional Services (Annual fee) Including 50% Company Paid Sphere of Influence Mail Program, Free Just Listed/Just Sold Mailing Program, Free Color Listing Brochures, Free Color House Business Cards, Free Customized Listing/Buyer Presentations, Free High Speed Color Copies, Free Post Yard Sign Installation, Free Wireless Office Internet Connectivity, Free Agent Web sites, Free Web Based Contact Management, Free 24/7 Home Watch System, Free Neighborhood Watch System, Free ecard Mailing System, Free Long Distance Calls, Free Scan to Service, Free Online Contracts and Forms Legal Services (Annual fee) Including $2,000,000 Errors and Omissions Coverage and Full Time In-house Legal Counsel One Stop Shopping through PCR Home Services Including Mortgage Services, Settlement Services, Warranty Services, Insurance Services, Property Management Services, Resort Management Services, Alternative Sales, Moving Services, Real Estate Exchange Services, Home Connections, Homebuyers Premium Rewards Package Fairfax/Oakton Hamilton Lake Ridge Leesburg Manassas/Gainesville Vienna Winchester D.C. OFFICES Capitol Hill Uptown With TeamBuilder, our sales associates who participate in the growth of our company will have the opportunity to receive: 1% bonus on recruits GCI for life 2 ½% bonus on sales associates own GCI for one year for productive recruits Earn bonuses on more than one person with no limit Bonuses paid quarterly Bonuses count towards earned income for commission level determination under sales associate s commission schedule An independently owned and operated member of The Prudential Real Estate Affiliates, Inc. Let s Grow Together.

14 Maryland Association of REALTORS 10th Anniversary Leadership Academy Honoring Academy Graduates from Judy L Blowe James E Campbell Jackie H Gerrior Joshua J Harrison Debora E Hileman Timothy N Hopkins Marla Johnson Robert L Johnston Shirley A Joyce Shirley L Matlock Sue D Pakulla Barbara S Payton Jon E Phillips Beverly Rasmussen Elizabeth A Skidmore Jeffrey Z Slavin Edward J Smith Andrew Van Den Heuvel Patricia A Waggoner Charles W Windsor 2002 Paul J Aldridge Jr George W Brookhart Melvina Brown Collette B Cavegn Patricia A Coan James C Diamond Thomas M Ettz Elizabeth A Green Norman L Hatfield Jr. Oliver T Henderson Sr M Steve Jacobson Charles W Kraus David E Maclin Susan A Padgett Joel T Pautsch Frank M Powell Silvia S Rodriguez Patricia B Smallwood Maria A Terry Gary L Vreeland Frederick L Washburn Cuvator H Armstrong Ann C Bangert Antionette Braglio Kristin Gerlach Christine A Giglio Elaine B Gordy John A Hurly Mary Frances F McColgan Dennis B Melby Arlene C Murray Bea P Rodgers Gerrie M Sims Robert B Sommers Connie M Stommel Charles F Sullivan Reata B Swanson Patrick A Weed Jeffrey M Weese Krenda L Weisenmiller Patricia D Weller Susan E Zorn Ginger C Allen Wendy Aloi Deborah L Borror Chris W Haddaway Scott M Lederer Aaron J Marsh Julia Mattis Barbara F Miles Melanie Pratt Dimaio Jamie M Rice Lawrence R Riggs James P Schaecher Kenneth R Snyder Patricia A Terrill Frederick A Thoms Sr Sarah E Toppins Jan M Waddell-Brown CELEBRATING YEARS Diane M Olsen Dorcas M Quynn Linda F Simpson Donna A Turing 2006 Rusling D Blackburn Mary Calder Carol Sue Crimmins Melanie Gamble Daniele C Griffith Thomas H Hough Patricia D Howard Karyn K Keating-Volke Bob Kimball Anita L Land Nicole D Lapera-Holler Barbara M Linthicum Jeffrey A Matthews Kenneth R Montville John G Allen James H Billingslea Jr Alease R Bowles Sherwood T Brooks Julian Coiner Melinda Gossard Stephanie A Hodges Diane M Marsden Kathleen A Miller Donna Moffett Sandy L Moreland Lisa E Nordan-Haller Judy A Plowman Melinda K Roark Robert R Rossi Bianca M Smith Richard A Trott Ruth C Wright 2007 James R Hyatt Michael Kurtianyk Cassandra Lewis Cassie C Mead Susan Myszkowski 2008 James M Blaney Sonatta S Camara Michael F Cerrito Julie P Duley Ronald C Edelmann Leslie G Fulford Elizabeth L Glass April L Heim Dennis Helmstetter Humberto Benitez Kunnigunda M Biener J. Russell Boyce F Kathy Buckus Jeffrey Cline Steve L Ferguson Melba S Gaillard Charles M Gregg Charles P Hawley Richard Hebert Jason Herzberger Karol A Hess Kristin L King Shawn L Lewis Kathryn A McKenzie Joan McLernon Yolanda R Muckle Stephanie H Rall Erica L Solomon Judith Stull Merry M Tobin Sharon E Wilkerson 2009 Robert W Carney Terence F Daly Sandra M Fouche Tracy Franck Mary E. Gawler Deborah A Henninger Gregg B Holland Judith E Isom Linda Kangrga Mallory M Kubicek Fredericka A Lloyd Linda McKinnon Richard M Rall Jr. Paula B Ruckelshaus Bob Simon Sue Stouffer Noel T Wood 2010 Lane A Chaisson Lou Ramsay Cotta Jennifer L Cropper-Rines Marianne S Ferguson Shari Gaister Janet J Greene Susan E Hale Doris Hall-Scheeler Tim Hodgin David Lidz Tasha Linton George E Mitchell Christopher B Richardson Marie E Shantz Kenneth W Smallwood Pamela D Stone Jeanne L Turnock Pamela J Wadler

15 Simply the Best Commission Program in Maryland! 100% Only $99 per month 85% No monthly fee Call Today (866) Benefits: No minimum sales quota Commission paid in 48 hours E & O Insurance only $180 per year A single admin/transaction fee only $395 All listing, advertisement leads go directly to the responsible agent Free in-office copies, phone & fax Conference rooms/general use computers Free online contract forms Free business cards Free marketing on all listings Full Broker support, training and mentor program NO Desk Duty! All leads from listings go directly to the listing agent Recruiting Bonus Open your own Branch Office Where the Traditional Office meets the Virtual Office. We take full advantage of technology so there is no need to ever visit the office. Work from anywhere in Maryland! Office (410) NEW OFFICE: 2608 Mountain Rd. Suite #7 Pasadena MD 21122

16 Maryland Association of REALTORS Meet the Staff Administration Chief Executive Officer Mary Antoun has been the MAR top staffer since In addition to overseeing the Association s operations, she works closely with volunteer leadership to develop and implement policies and initiatives to promote the real estate industry and private property rights. An attorney and economist, Mary believes the Association s primary responsibilities are representing member interests before the legislature and advocating REALTOR professionalism with members and the public. Director Arlene Robertson and Executive Assistant Sommer Jackson are responsible for the administrative functions of the Association. They keep the organization operating smoothly, from building operations to the Association s management functions. Mary Antoun Arlene and Sommer staff the governance committees Executive, Bylaws, Nominating, and Strategic Planning. They also support the Board of Directors and General Membership meetings as well as the Presidential Council, made up of local Board Presidents who meet to exchange information, develop ideas and share experiences. They organize the MAR Former Presidents meetings, the MAR Reception at the National Association annual convention, and other events during the year. They also oversee the prestigious Life Achievement Award. Arlene and Sommer assist members at Registration during the MAR Annual Conference. Receptionist Rebecca Baker greets and talks to more members as the first point of contact at the Association offices than any other staffer. She answers hundreds of questions every week from members and the public, referring them to the appropriate staff person or other resource. Rebecca assists with meeting logistics, mailings, and other tasks requested by other departments. 16 MARYLAND REALTOR August/September 2010 Sommer Jackson (left), Rebecca Baker (seated) & Arlene Robertson (right)

17 Government Affairs Vice President Bill Castelli, MAR s Chief Lobbyist, heads a team that includes Director of Regulatory Affairs Mark Feinroth, Director of Government Affairs Susan Mitchell, and Assistant Sheryl Bergman. Bill, an attorney and former aide to Rep. Steny Hoyer, develops and directs the Association s legislative strategy in representing Maryland REALTORS in the statehouse. Mark, also an attorney and lobbyist, represents MAR s interests on regulatory matters that come before various agencies with responsibilities that affect the real estate profession and private property rights. Prior to joining MAR, Mark was Assistant Secretary with the Maryland Department of Labor, Licensing and Regulation, supervising the operation of all licensing commissions, including the Real Estate Commission. In addition to her lobbying responsibilities, Susan also directs MAR s grassroots advocacy efforts, including our calls to action, and oversees MAR s Local Government Affairs Director (GAD) Program. MAR provides all local boards/associations that do not have full-time local GADs with contract government affairs assistance to help strengthen REALTOR voices in local jurisdictions. Currently, the GAD Program provides lobbying assistance to 12 local boards. Prior to joining MAR, Susan was the Government Affairs Manager/Washington Representative for Bristol-Myers Squibb pharmaceutical company in their Washington DC office, responsible for both the federal and state grassroots lobbying program & PAC, and served as their Washington representative to the industry trade association. Sheryl provides administrative support for the entire department, including helping to organize Legislative Day and other political events as well as coordinating and e-publishing Political Buzz (the RPAC E-Newsletter). Sheryl also serves as MAR s staff photographer. The team also includes contract lobbyists Joel Rozner and Frank Boston. Government Affairs committees include Public Policy, Legislative, Grassroots and Political Affairs, and Legal Action. Left to right: (standing): Kimberly Cavallaro, Celeste Barton Filoia, Shannon Reed, Chuck Kasky, (sitting) Colette Massengale &Don Martin Legal Affairs Chuck Kasky, Vice President of Legal Affairs, oversees the Department s operations, assisted by Staff Attorneys Colette Massengale and Celeste Barton Filoia. Shannon Reed is the Legal Affairs and Professional Standards Assistant. Prior to joining the Maryland Association of REALTORS, Chuck was engaged in the private practice of law, served as Legislative Counsel to several Committees of the Maryland General Assembly, and was Deputy Chief Administrative Officer for Howard County, Maryland. The Legal Department staffs the MAR Legal Hotline, the service REALTORS routinely identify as one of their most valuable MAR membership benefits. Members call or submit questions via an online form, which is available at the Legal Services tab of the MAR website. The Department also provides support for Maryland RPAC, the Statewide Forms Committee, the Commercial Alliance, and the Real Property Operations Committee. Department attorneys also provide in-house legal and compliance assistance to the other departments within MAR. As a service to member boards, associations and firms, the Legal Department offers continuing education classes on risk reduction, agency law, real estate contracts, Code of Ethics, fair housing, legislative and legal updates and broker supervision. To assist in compliance with the NAR Professional Standards program, we offer annual training to local Grievance and Professional Standards Committees. Legal Affairs also has responsibility for member services. Don Martin, Director of Board and Member Services, is MAR s principal outreach to firms and local boards. A 20 year MAR veteran and a former practicing REALTOR, Don spends most of his time on the road speaking at sales meetings and teaching continuing education classes. Don is your primary resource on Professional Standards issues, and staffs that MAR committee. Kimberly Cavallaro, Manager of Board Professional Standards Services, oversees outreach services for dispute resolution and Professional Standards. She administers the Professional Standards Services program for many local boards/ associations, offering MAR resources to provide seamless assistance to their members and the public regarding ethics cases and arbitration procedures. Kimberly also staffs the Professional Standards Instructors committee that delivers risk-reduction training to local boards, to ensure member understanding of the ethics and arbitration procedures. She manages the Dispute Resolution area of the MAR website, which addresses dispute resolution issues and alternatives. Left to right: Mark Feinroth, Bill Castelli, Sheryl Bergman & Susan Mitchell MARYLAND REALTOR August/September

18 Meet the Maryland Association of REALTORS 2010 Staff Lisa Haynes (top) and Lisa Kinsman Education Lisa Kinsman, Department Director, has been a MAR staff member since She supervises activities and staffing for GRI, Leadership Academy and Mediation Oversight. The department coordinates the education programs for the Annual Conference, and oversees the dissemination of all continuing education certificates for all CE programs provided by MAR and contracted providers. Education Assistant Lisa Haynes provides all Department administrative support, and is the point person responsible for issuing certificates, handling replacement certificate requests for programs submitted for continuing education through MAR and any other general education question callers may have. MAR maintains an extensive educational database whereby attendee records (member and nonmember) are updated for every CE or non-ce program MAR offers. This system verifies attendance and confirms classes taken to track designation courses, mandatory state licensing renewal courses and any association training required sessions. Finance and Technology Patti Schmitt, MAR Controller, has primary responsibility for developing and tracking MAR s annual budget, managing MAR and affiliate organizations financial operations and working with its auditors and financial advisors. She provides economic and financial information to the CEO, Board of Directors and officers, Finance Committee and staff. Patti also oversees the operations and staff of the Technology Department. Left to right: (standing) Michael Cunningham, Kim Dansker, Patti Schmitt, (sitting) Halle Papai & Cindy Sellers Prior to joining MAR, Patti was Assistant Controller for HRi, ASO & PEO Outsourcing, serving more than 150 employers with over 1,700 employees across 17 states. Patti also successfully started and operated a contracting business for fourteen years before selling her interest to her partner. As Assistant Controller, Kim Dansker administers MAR s accounts payable and assists with daily financial transactions. Kim also maintains financial records for RPAC. Accounting Specialist Halle Papai administers MAR s accounts receivable and assists with daily financial transactions. Halle also maintains financial records for several affiliated organizations. Technology Coordinator Michael Cunningham worked with MAR for almost ten years as a consultant before joining the staff in Michael provides IT support and management, custom software development and programming, and website design and management for the Association, staff, and affiliate organizations. Membership Manager Cindy Sellers maintains databases for MAR and some affiliated organizations, and assists in helping staff with computer hardware and software systems. 18 MARYLAND REALTOR August/September 2010

19 Communications & Public Affairs The Communications and Public Affairs Department is the public voice of MAR, charged with overseeing our communication with members and the public. The Department staffs the Annual Conference, Communications/PR, Rookie REALTOR, Community Action and REALTOR Excellence (CARE), and REALTOR of the Year committees, and manages and coordinates all aspects of the Fair Housing Poster Contest. It produces the bi-monthly Maryland REALTOR magazine, publishes the Hotsheet, and develops brochures and pamphlets, as well as the popular Fair Housing Calendar. Communications cultivates and finalizes non-dues affinity partnerships as membership benefits. The Department oversees much of the content and enhancements to the MAR website: and is managing aspects of the MAR presence in the social media arena. Left to right: Jermaine Hawkins, Melissa Lutz & Debbie Hager Department Director Debbie Hager spearheads the MAR public and media relations efforts, which includes promoting Maryland REALTORS and the real estate profession. Prior to joining MAR, Debbie was a vice president of marketing for an investment banking firm, and a public relations manager for four school districts and other trade associations. Event Manager Melissa Lutz (pronounced Loots) is the key contact for the Annual Conference held in Ocean City each September. She manages a large tradeshow and oversees all of the onsite logistics. Melissa also assists other departments with event planning. Jermaine Hawkins is the Communications Assistant, supporting all department activities for its committees and events. He is also the first point of contact for Rookies who have questions or want to register for the monthly seminars, which he organizes and supports onsite. Housing Programs The Housing Programs Department, headed by Director Fern Dannis, researches and identifies available programs through housing counseling agencies and other community-based, nonprofit housing organizations, as well as state and local government housing agencies. The Department oversees data collection to identify financial assistance programs for homebuyers, featured on the MAR consumer websites and The site has localized, useful information for both REALTORS and consumers. The Department also manages the process and renewal for REALTORS to obtain the MAR Workforce Housing Certification (WHC). Fern is the Association s liaison with NAR on its various housing programs, with Freddie Mac s CreditSmart program and with statewide and national housing coalitions. Fern staffs the Housing Affordability Committee and the Equal Opportunity/Cultural Diversity and has primary responsibility for MAR housing programs and housing policy development efforts. As part of these programs, Fern develops and supervises efforts to encourage Maryland REALTORS to learn about credit literacy, housing finance programs and involvement with creative housing programs, activities and policy initiatives in their communities. Fern has worked in the housing field for 30 years and has collected experience in property management, multi-family housing development, affordable housing policy, loan packaging/underwriting, nonprofit administration and also as a real estate salesperson. Left to right: Fern Dannis & Kara Ardison Housing Programs Assistant Kara Ardison assists with the staffing of the Housing Affordability Committee and Equal Opportunity/Cultural Diversity Committee. Kara provides administrative support for all the department s work, and is the first point of contact for REALTORS regarding the Workforce Housing Certification (WHC) program, which she administers, along with the Education Department onsite. Fern and Kara both staff the Partnership for Housing Foundation (PHF), including the Maryland Home Makeover. MARYLAND REALTOR August/September

20 Cell Phones & Distracted Driving The advent of wireless communication allows real estate agents to conduct business anywhere at anytime. The cell phone has become a standard tool for the modern real estate practitioner. However, there is a dangerous downside to cell phone usage: distracted driving. Research has found that a driver's reaction time is slowed by an average of 30 percent while talking on a cell phone, similar to that of a drunk driver. Recently, courts have awarded substantial damages in lawsuits involving distracted driving. Employers may be held vicariously liable for the car accidents caused by their employees who were talking on their cell phones when the accident occurred. A real estate broker could face liability if an employee or real estate salesperson is involved in a car accident while dealing with some aspect of a real estate transaction on his or her cell phone. In a recent case, an attorney killed a pedestrian while allegedly making business calls from her cell phone. The court has ruled that the jury can consider whether the law firm should be vicariously liable for the attorney's negligence. Every broker should establish a policy that cell phones should not be used in settings where that use is illegal. Also, the broker should make it known to all salespeople who are not employees that the broker does not permit the conducting of brokerage business on cell phones while driving. Effective October 1, 2010, Maryland joins the list of states that prohibit the use of handheld phones by drivers while operating a motor vehicle. A driver over the age of 18, while driving, a motor vehicle that is in motion, is prohibited from using a handheld telephone. The offense is enforceable as a secondary action only. Accordingly, a police officer must detain a driver for another violation of the Maryland Vehicle Law before issuing a citation for using a handheld cell phone. 20 MARYLAND REALTOR August/September 2010

21

22 Where The Stars Are Young Professionals How they succeed in a challenging market Many come to real estate after spending years in other careers, but some know what they want far sooner and go on to prove that youth and inexperience are not impediments to achievement. Over the past decade, some of the most successful young Realtors have been recognized by the National Association of REALTORS with its 30 Under 30 award. 22 MARYLAND REALTOR August/September 2010

23 Several local Realtors and Maryland Association of REALTORS members have been among the honored. These young professionals demonstrate their dedication and success through more than volume of business. They also exemplify the best in superior customer service, commitment to their industry and the integral role they can play in their communities. Recently, MAR spoke to several local award-winners to find out how they ve fared since winning recognition from NAR, what they ve learned along the way, and the advice they d give others entering real estate today. Volunteer service and the Ability to Connect Despite a disheartening start in the business, Koki Adasi-Efuya believed things would turn around for him. Koki sold only two houses his first year, earning just $7,000. That s how I knew I picked the right career, because I loved the work even though the money wasn t coming, he says. What helped me turn the corner was really just having faith, and knowing that if you do the proper things, providing great service and being a constant student of real estate, eventually you will be successful. And succeed he did. In 2007, his second year, he sold every listing he had, achieving $6.3 million in sales and landing on the 30 Under 30 list in For Adasi-Efuya, now 28 and an associate broker with Long & Foster Real Estate in Silver Spring, sticking to the fundamentals of the real estate business has continued to fuel his achievement. In real estate, the basic rules are prospecting, so you need to figure out what your prospecting tools are going to be, whether it s cold-calling, going to networking events, sending mailers, social media whatever it is, if you consistently apply that basic fundamental over a long period of time, without fail, you will be successful, says Adasi-Efuya, whose sales volume has continued to rise, to $8.6 million in For Koki, meeting people and forming positive relationships through his volunteer work with the YMCA and social activities including playing in three basketball leagues is what works for him. One strategy he wishes he had taken sooner, however, is focusing on listings. Starting out, a lot of agents want to focus on buyers. They think buyers are easier to work with, he explains. But if you focus on sellers and getting listings, the buyers will be generated because they ll be seeing your signs and calling. Knowing what I know now, I would have focused on listings earlier. A success story despite initial self-doubt Koki Adasi-Efuya became interested in going around and looking at houses he was unsure of success. I was never a good student, and I guess I was selling myself short and wasn t sure I d take to the business as I did, says Muren, 27, who heads the Mike Muren Team at Macintosh Inc., in Frederick. Muren was a 30 Under 30 winner in Michael Muren Muren attributes his success to a strong work ethic that meant spending 6 to 7 days a week in the office during his first three years and simply delivering on what he promised clients. There are so many people in so many businesses that don t deliver on their promises. They overpromise and under deliver. I ve always tried to do the opposite. I at least deliver what I ve said or more, he says. Muren, who sold almost double the properties he aimed for in the business plans he drew up when he started, says a big mistake new Realtors make is not being organized or getting out enough. Get a Web site, get a blog, try and get articles in your local newspapers or magazines, anything you can do to get your name out. I found that the more people who have heard your name, the more they will trust you and the more they re willing to work with you. Seventy percent of your job is finding the way to get the work, not to handle the work, he says. When Muren began, he focused on real estate magazines, newspapers and mailers. Since then, he has used more personal approaches, like thank-you happy hours for clients and collecting and publishing his clients home-buying experiences. I ask them to keep a journal of what happens. I offer them a one-year home warranty if they do. First-time homebuyers in particular read other people s stories and can relate. They say, let s call this Realtor, says Muren. Muren advises new Realtors to stay humble and continue working. Some people reach a point and think they re at the top of their game and start getting lazy and forget what it is they did to get where they are. I don t think that is something that should ever be forgotten, he says. Joining the family business and excelling Brian Pakulla, an associate broker with RE/MAX Advantage Realty in Columbia, went into real estate when he was just 21. But if he had had his way, he would have done so even earlier. Even though Michael Muren had considered real estate as a career when he was just 11 years old after his family moved from St. Louis to Frederick, he I wanted to get into real estate at 18, but my father encouraged me to go to college to get more well-rounded experience, says Pakulla, who earned MARYLAND REALTOR August/September

24 a marketing degree from the University of Maryland before joining his family s profession. His parents have been Realtors since 1972 and he, his brother and sister have followed suit. In fact, Pakulla works with his father and siblings as part of Pakulla Professionals, the top performing RE/MAX group in Maryland with annual sales at Brian Pakulla around $100 million. Pakulla, one of the 30 Under 30 in 2004, says his own sales account for about $30 to $40 million of that figure. I joined my family and they were very helpful about teaching me the ropes of the business so I was very lucky, says Pakulla, adding that if he were entering the business cold, he d seek out a good team with leadership willing to spend time sharing their wisdom and leads with new talent. The 33-year-old continues to attribute his success to the Nordstrom level of service he provides to clients, which still includes sending a cake to buyers on the anniversary of their purchase. Put the client first. There s really no gimmick here. Be honest and do a good job and if you do that and stay in touch with your clients, your business will grow itself, he says. Pakulla found early success in part by focusing on listings for condos and townhouses that would draw potential homeowners around his age. Be smart about where your niche market is, pick somewhere where someone is going to identify with you, do it consistently and it can grow exponentially. But it does take time. You have to be patient, he counsels, adding that new Realtors should also learn as much as they can about the business of real estate. We re in sales, so it s very simply: know your contract, know your inventory, know your market, he says. Unlike Brian Pakulla, Cara Pearlman, a sales consultant with Long & Foster Real Estate in Bethesda, initially resisted going into a family business that went all the way back to her grandmother. (Her father, aunt, uncle and brother are all in real estate as well.) Part of my hesitation was growing up and seeing how hard my dad worked. He was connected to his briefcase. He was just always on the phone, says Pearlman. volume of $7.5 million. She attributes her success to her passion for the profession and good old-fashioned perseverance. You can be easily dissuaded because if you re not persistent, you re not going anywhere, she says. Another key to her success is her willingness to join a group and work from the bottom up. I had more experience in two or three years than most real estate agents have in their entire career. You don t have the option of making as much money right away, but in the long term you have a lot more to offer your clients, she says. Pearlman stresses what she believes is crucial: following up with clients, and maintaining and managing your Web presence, because people are going to go to Facebook or Google and look you up. If nothing comes up, they re going to move on. One thing she would have done differently in the beginning is to Cara Pearlman have systems in place to collect client information and aid in that all-important follow-up. It s a lot harder to touch base with someone after a couple of years rather than a couple of months, she says. High-minded principles and Focus on the Middle-market Bo Menkiti, a Under 30 award winner, was drawn to the transformative power real estate can have on individuals and their communities. I ve always seen real estate as a great opportunity to make a difference in people s lives, in the fabric of the community where we re working, says Menkiti, CEO of the Menkiti Group and founder and operating partner of Keller Williams Capital Properties in Washington, DC. If you look at real estate from a broader perspective, it s a basic human need. It s the largest financial transaction that people make in their lives. And it s also really important if you think of land use and everything associated with societies and democracies and ownership. But after graduating from the University of Miami with a marketing degree and an unchallenging first job, Pearlman decided to give it a try. She hasn t looked back since. Honored by NAR this year, the now 30-year-old member of the top-performing Rozansky Realty Group had a 2009 sales Menkiti, who originally went into management consulting and helped lead a nonprofit after graduating from Harvard, found Bo Menkiti 24 MARYLAND REALTOR August/September 2010

2014 & 2015 STRATEGIC PLAN

2014 & 2015 STRATEGIC PLAN 2014 & 2015 STRATEGIC PLAN INTRODUCTION This strategic plan is designed to direct the activities and emphases of the Maryland Association of REALTORS (MAR) over the years 2014 and 2015. It focuses on the

More information

ways for LO s to meet Realtors Follow-Up

ways for LO s to meet Realtors Follow-Up Engage Realtors at Closings Many of the best real estate companies have started their own inhouse mortgage companies or formed joint ventures with large mortgage companies. At the same time, many Realtors

More information

RECRUITING TIPS SCRIPTS. Tom Ferry - Your Coach 888.866.3377 tomferry.com

RECRUITING TIPS SCRIPTS. Tom Ferry - Your Coach 888.866.3377 tomferry.com RECRUITING TIPS & SCRIPTS 1 & WHAT TO SAY TO NEW EXPERIENCED AGENTS table of contents Attracting New Agents Key Tips for Speaking with New Agents Interviewing a New Agent Inviting a New Agent to a Career

More information

C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility

C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility www.mastersguilduniversity.com Lead Generation I. Internet ideas to help your Rainmaker generate more business A. Email/Video B. Blogging/personal website C. Buyer lead generation online IDX integration

More information

new agent guidebook Copyright 2011 BreakthroughBroker.com

new agent guidebook Copyright 2011 BreakthroughBroker.com new agent guidebook Copyright 2011 BreakthroughBroker.com (INTRODUCTION) You are the business. Real estate school may have filled your head with the knowledge necessary to be an effective student of the

More information

IN THIS GUIDE: Table of Contents and QuickList. OUR MISSION: Protecting the Real Estate Industry and Making REALTORS More Successful!

IN THIS GUIDE: Table of Contents and QuickList. OUR MISSION: Protecting the Real Estate Industry and Making REALTORS More Successful! IN THIS GUIDE: OUR MISSION: Protecting the Real Estate Industry and Making REALTORS More Successful! FEATURED PARTNERS: Table of Contents and QuickList Research and Housing Statistics...4 Regional Quarterly

More information

Prospecting, Marketing Plans, and Strategies for Success

Prospecting, Marketing Plans, and Strategies for Success Prospecting, Marketing Plans, and Strategies for Success People with goals succeed because they know where they are going. Keys to Success: Start the Cycle Stay on the Path Prioritize Your Activities Prospect

More information

The Citizen Lobbyist

The Citizen Lobbyist The Citizen Lobbyist Making Your Voice Heard: How you can influence government decisions Of the people, by the people, for the people. Democracy is not a spectator sport. Acting as participants, rather

More information

Compliments of: The Dean Thomas. The Dean Thomas Real Estate Group. Keller Williams Realty 1 Pearl Street Redondo Beach, CA 90277 310-874-1010

Compliments of: The Dean Thomas. The Dean Thomas Real Estate Group. Keller Williams Realty 1 Pearl Street Redondo Beach, CA 90277 310-874-1010 Compliments of: Dean Thomas The Dean Thomas Real Estate Group Keller Williams Realty 1 Pearl Street Redondo Beach, CA 90277 310-874-1010 Date: November, 2009 From: Dean Thomas Re: Interviewing Dean Thomas

More information

REALTORS CAN SELL HOUSES USING FHA

REALTORS CAN SELL HOUSES USING FHA REALTORS CAN SELL HOUSES USING FHA WITHOUT SELLER-FUNDED DOWN PAYMENT ASSISTANCE Right now, the big buzz among REALTORS is the elimination of seller-funded down payment assistance with FHA products. If

More information

A Custom Listing Presentation For You

A Custom Listing Presentation For You Robin Fink, ABR, CRS, GRI A Custom Listing Presentation For You Robin Fink, ABR, CRS, GRI Custom Listing Presentation for: You Robin Fink, ABR, CRS, GRI 480-794-0257 robinfink@cox.net I will put together

More information

2014 Entry Form (Complete one for each entry.) Fill out the entry name exactly as you want it listed in the program.

2014 Entry Form (Complete one for each entry.) Fill out the entry name exactly as you want it listed in the program. 2014 Entry Form (Complete one for each entry.) Fill out the entry name exactly as you want it listed in the program. Entry Name HFA Virginia Housing Development Authority Submission Contact Brian Matt

More information

Acquiring Bank Owned Foreclosures

Acquiring Bank Owned Foreclosures Acquiring Bank Owned Foreclosures The news and local conversations are full of stories about investors getting great deals on foreclosed houses. Why wouldn t affordable housing providers want to do the

More information

REAL ESTATE SALES SOLUTIONS A GREG HARRELSON SALES ACADEMY

REAL ESTATE SALES SOLUTIONS A GREG HARRELSON SALES ACADEMY REAL ESTATE SALES SOLUTIONS A GREG HARRELSON SALES ACADEMY A MESSAGE FROM OUR FOUNDER AND CEO GREG HARRELSON Hello and thank you for taking the time to learn about the many benefits of working with our

More information

The Listing Agent - Preliminary Marketing of Your Home

The Listing Agent - Preliminary Marketing of Your Home (Seller Article) The Listing Agent - Preliminary Marketing of Your Home The "Real" Role of a Listing Agent When you bought your home, you probably used the services of a real estate agent. You found that

More information

Petaluma Arts Association June Newsletter 2013

Petaluma Arts Association June Newsletter 2013 Supporting art in the community, in the schools, and artists with art activities Post Office Box 2623, Petaluma CA 94953 707-793-2113 Petaluma Arts Association June Newsletter 2013 Regular Meeting, Tuesday,

More information

It wasn t all that long ago that real estate professionals wondered

It wasn t all that long ago that real estate professionals wondered JULY 2014 Homebuying PUBLICATION 2067 A Reprint from Tierra Grande magazine 2014. Real Estate Center. All rights reserved. By Mark G. Dotzour, Colt Kokel and Joshua Parulian It wasn t all that long ago

More information

A Real Estate Investment Company. Real Estate Agent Partnership Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1

A Real Estate Investment Company. Real Estate Agent Partnership Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1 A Real Estate Investment Company Real Estate Agent Partnership Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1 Who Are We? Arcane Properties is a full service real estate solutions firm

More information

C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility

C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility Lead Generation I. Internet ideas to help your Rainmaker generate more business A. Email/Video B. Blogging/personal website C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility

More information

Buyer s Advantage Program

Buyer s Advantage Program contents 03 Buyer s Advantage Program What you need to do to get enrolled 04 Buyer Advantage Program Enrollment Form 05 Buying with the Misty SOLDwisch Home Selling Team 06 Home Buying Process 07 Tasks

More information

WRITING A SUCCESSFUL REQUEST FOR PROPOSAL FOR ASSOCIATION MANAGEMENT SERVICES

WRITING A SUCCESSFUL REQUEST FOR PROPOSAL FOR ASSOCIATION MANAGEMENT SERVICES WRITING A SUCCESSFUL REQUEST FOR PROPOSAL FOR ASSOCIATION MANAGEMENT SERVICES In this guide, I am happy to share with you what I've learned about developing a request for proposal (RFP) that will attract

More information

International Interior Design Association Florida Central Chapter Policy and Procedures

International Interior Design Association Florida Central Chapter Policy and Procedures SECTION III - APPENDIX 3.E COMPOSITION OF THE BOARD OF DIRECTORS The Chapter Board of Directors shall consist of the following individuals: Executive Board (Officers): President, President-Elect, Immediate

More information

Section I - CODE OF ETHICS

Section I - CODE OF ETHICS Sample NAR Organizational Alignment - Core Standards Certification Form Association ID: 0001 Association Name: National Association of Realtors President: Sample President President Elect: Sample President

More information

MAYOR EMANUEL, CHICAGO INFRASTRUCTURE TRUST CHAIRMAN JAMES BELL ANNOUNCE APPOINTMENT OF ADVISORY MEMBERS

MAYOR EMANUEL, CHICAGO INFRASTRUCTURE TRUST CHAIRMAN JAMES BELL ANNOUNCE APPOINTMENT OF ADVISORY MEMBERS FOR IMMEDIATE RELEASE January 10, 2012 CONTACT: Mayor s Press Office 312.744.3334 press@cityofchicago.org MAYOR EMANUEL, CHICAGO INFRASTRUCTURE TRUST CHAIRMAN JAMES BELL ANNOUNCE APPOINTMENT OF ADVISORY

More information

PENNSYLVANIA BAR ASSOCIATION DEPARTMENT DESCRIPTIONS

PENNSYLVANIA BAR ASSOCIATION DEPARTMENT DESCRIPTIONS PENNSYLVANIA BAR ASSOCIATION DEPARTMENT DESCRIPTIONS Following is a listing of PBA staff by department. Each listing includes the staff person s name, title, phone extension, email address and fax number.

More information

LEADING TOGETHER FOR THE PUBLIC GOOD

LEADING TOGETHER FOR THE PUBLIC GOOD LEADING TOGETHER FOR THE PUBLIC GOOD NOVEMBER 9-10, 2015 #BLF2015 BOARDSOURCE.ORG/BLF15 WWW.BOARDSOURCE.ORG/BLF The BoardSource Leadership Forum is the nation s largest convening of nonprofit board leaders.

More information

The One Key Thing You Need to Be Successful In Prospecting and In Sales

The One Key Thing You Need to Be Successful In Prospecting and In Sales The One Key Thing You Need to Be Successful In Prospecting and In Sales The secret key to being successful in prospecting and in sales found in this report will work in ANY INDUSTRY for any product or

More information

A successful law career that spans nearly 40 years has to start somewhere.

A successful law career that spans nearly 40 years has to start somewhere. February 11, 2002 News Story By Kelly A. McCauley Lawrence Gursten Education: Wayne State University Law School (1965) Experience: Gursten, Koltonow, Gursten, Christensen & Raitt, Southfield Professional

More information

Home Buying Dos and Don ts

Home Buying Dos and Don ts Compliments of Records Results Real Estate Fulfilling Dreams in Paradise! 239-205-8966 Home Buying Dos and Don ts Home Buying Dos and Don ts 2 Table of Contents Introduction...4 Home Buying Dos and Don

More information

Stand OUT Stay TOP-of-mind Sell MORE

Stand OUT Stay TOP-of-mind Sell MORE Stand OUT Stay TOP-of-mind Sell MORE Use the arrows to navigate through the pages. next 1/19 [close] Haley Marketing Solutions Get past HR and sell higher margin solutions...4 Build a KILLER website...5

More information

Business Planning. Agent Business Plan 2007

Business Planning. Agent Business Plan 2007 Business Planning Most agents choose real estate as a career because they want to make more money and have more time. However, most agents when they first start out in the business take a serious cut in

More information

Google Lead Generation for Attorneys

Google Lead Generation for Attorneys 1 Google Lead Generation For Attorneys Leverage The Power Of AdWords To Grow Your Law Business FAST You re about to discover the secrets of fast legal practice success with Google AdWords. Google AdWords

More information

CENTURY 21 national and international sales associates awards include:

CENTURY 21 national and international sales associates awards include: Century 21 Resources Dedicated to your success Whether you re just starting out or making a switch from another profession, real estate provides the flexibility and freedom to set your own pace. A real

More information

Home Builders Association of Mississippi Position Description

Home Builders Association of Mississippi Position Description Home Builders Association of Mississippi Position Description Title: Executive Vice President Purpose: The Executive Vice President is responsible for the successful leadership and management of the organization

More information

Lies a new tool in foreclosure

Lies a new tool in foreclosure Page 1 of 5 back to article Printed on page A1 Lies a new tool in foreclosure Lawyers, in rush to regain properties, can exploit judges' workload By Todd Ruger Published: Sunday, May 10, 2009 at 1:00 a.m.

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM TABLE OF CONTENTS 1 5 REASONS TO SELL NOW 3 THE IMPORTANCE OF USING AN AGENT WHEN SELLING YOUR HOME 4 5 DEMANDS

More information

ALL ATTENDEES MUST REGISTER BY SEPTEMBER 27, 2015 OR PAY THE $75 LATE REGISTRATION FEE

ALL ATTENDEES MUST REGISTER BY SEPTEMBER 27, 2015 OR PAY THE $75 LATE REGISTRATION FEE REGISTRATION IS FREE TO ALL ELIGIBLE DELAWARE ASSOCIATION OF REALTORS MEMBERS WHO PRE-REGISTER BEFORE 9/27/2015. REGISTRATION MAY END WHEN CLASSES ARE FULL. YOU MUST BE REGISTERED FOR TWO (2) OR MORE CLASSES

More information

Renovation Realty Franchising, Inc.

Renovation Realty Franchising, Inc. Renovation Realty Franchising, Inc. A Letter from the Founders Thank you for your interest in our franchise system. To us, Renovation Realty is more than a business, it is an opportunity to truly help.

More information

127 South Peyton Street Alexandria VA, 22314 P:800.221.7917 F:703.683.7556 info@iiaba.net

127 South Peyton Street Alexandria VA, 22314 P:800.221.7917 F:703.683.7556 info@iiaba.net 127 South Peyton Street Alexandria VA, 22314 P:800.221.7917 F:703.683.7556 info@iiaba.net www.independentagent.com www.independentagent.com Independent Insurance Agents & Brokers of America The Independent

More information

A PLAYBOOK for your. NEW AGENT Requirements & Education ROOKIE SEASON SUCCESS. A Step-by-Step Strategic Guide to Building a Solid Career Foundation

A PLAYBOOK for your. NEW AGENT Requirements & Education ROOKIE SEASON SUCCESS. A Step-by-Step Strategic Guide to Building a Solid Career Foundation NEW AGENT Requirements & Education A PLAYBOOK for your ROOKIE SEASON SUCCESS A Step-by-Step Strategic Guide to Building a Solid Career Foundation A Playbook for Your Rookie Season Getting Started Realtor

More information

Derick Hungerford Certified Mortgage Advisor

Derick Hungerford Certified Mortgage Advisor Derick Hungerford Certified Mortgage Advisor Derick Hungerford has more than 15 years of experience in the mortgage industry. He has built an excellent reputation providing financial expertise for his

More information

How to get a Stellar Home Loan. Six Steps to the Best Mortgage at the Lowest Rate with the Fewest Headaches

How to get a Stellar Home Loan. Six Steps to the Best Mortgage at the Lowest Rate with the Fewest Headaches How to get a Stellar Home Loan Six Steps to the Best Mortgage at the Lowest Rate with the Fewest Headaches Home ownership is a smart investment and a major achievement certainly one worth planning. Whether

More information

Chapter 9. By Jean-Philippe Loiselle

Chapter 9. By Jean-Philippe Loiselle 11 THINGS YOU SHOULD THINK ABOUT BEFORE SELLING A HOUSE IN TODAY S MARKET Chapter 9 11 THINGS YOU SHOULD THINK ABOUT BEFORE SELLING A HOUSE IN TODAY S MARKET By Jean-Philippe Loiselle The story begins

More information

California Conservation Corps. Corpsmember Advisory Board. Handbook

California Conservation Corps. Corpsmember Advisory Board. Handbook California Conservation Corps Corpsmember Advisory Board Handbook Last updated on January 26, 2010 Table of Contents Introduction..........................................................................

More information

FINANCIAL PLANNING. Helping You Sail Successfully into the Future. Share this e-book

FINANCIAL PLANNING. Helping You Sail Successfully into the Future. Share this e-book FINANCIAL PLANNING Helping You Sail Successfully into the Future Share this e-book Section 1 Introduction 1 Contents Section 2 What a financial plan IS NOT 2 Section 3 What a financial plan IS................

More information

Fast Start. Prospecting for Business and Open Houses. Fast Start

Fast Start. Prospecting for Business and Open Houses. Fast Start Prospecting for Business and Open Houses Fast Start Conversational Prospecting The Seven Second Presentation Will you do me a favor? I d like you to keep my card, and when you meet someone interested in

More information

A. Confirm Buyer has been pre-qualified by a lender (If not, Buyer Agent will introduce lender) 2. How much was the buyer pre-qualified for?

A. Confirm Buyer has been pre-qualified by a lender (If not, Buyer Agent will introduce lender) 2. How much was the buyer pre-qualified for? Home Buying Process I. Interview A. Confirm Buyer has been pre-qualified by a lender (If not, Buyer Agent will introduce lender) 1. When was the buyer pre-qualified? 2. How much was the buyer pre-qualified

More information

2014 WEST VIRGINIA STATE BAR ANNUAL MEETING

2014 WEST VIRGINIA STATE BAR ANNUAL MEETING COVER STORY 2014 WEST VIRGINIA STATE BAR ANNUAL MEETING West Virginia s beautiful Capital City plays host to members of the State Bar I n 1986, I became a member of the West Virginia State Bar, having

More information

BARRY ROSS. 539 N. Glenoaks Blvd., Suite 305 Office: 818-840-0950 Burbank, California 91502-3213 Fax: 818-840-0990 www.rossmediation.

BARRY ROSS. 539 N. Glenoaks Blvd., Suite 305 Office: 818-840-0950 Burbank, California 91502-3213 Fax: 818-840-0990 www.rossmediation. 539 N. Glenoaks Blvd., Suite 305 Office: 818-840-0950 Burbank, California 91502-3213 Fax: 818-840-0990 www.rossmediation.com BarryRoss@ROSSmediation.com PROFESSIONAL EXPERIENCE & AFFILIATIONS MEDIATOR

More information

CRAIG B. FORRY Esq., GRI, REALTOR 15501 San Fernando Mission Blvd., Suite 309 Mission Hills, CA 91345

CRAIG B. FORRY Esq., GRI, REALTOR 15501 San Fernando Mission Blvd., Suite 309 Mission Hills, CA 91345 CRAIG B. FORRY Esq., GRI, REALTOR 15501 San Fernando Mission Blvd., Suite 309 Mission Hills, CA 91345 Telephone (818) 361-1321 www.forrylaw.com Facsimile (818) 365-6522 Law Firm: Forry Law Group Email:

More information

My name is Ana Maria Alvarez

My name is Ana Maria Alvarez I had come to the United States dreaming of finding my mother but I ended up discovering so much more about myself. My name is Ana Maria Alvarez and I am 20 years old. I am from Guatemala I came to Mary

More information

Before you agree to buy a house, make sure

Before you agree to buy a house, make sure SPECIAL ALERT Office of the Attorney General, Consumer Protection Division Home Buyers: Beware of Flipping Scams Bought by "flipper" $24,000 February Before you agree to buy a house, make sure you re not

More information

WHY RE/MAX: INTRODUCTION

WHY RE/MAX: INTRODUCTION WHY RE/MAX: NOBODY SELLS * RE/MAX Network, 04 WHY RE/MAX? What are YOUR numbers? 00,000 agents around the world have asked themselves this same question. In the following pages, you ll learn what they

More information

Maryland Statewide Independent Living Council (MSILC)

Maryland Statewide Independent Living Council (MSILC) Maryland Statewide Independent Living Council (MSILC) June 19, 2015, 11:30 a.m. -2:45 p.m. MSILC Office, Glenview Board Room 199 E. Montgomery Avenue, Rockville, MD 20850 MEETING MINUTES Attendance: MSILC

More information

Best Practices for Accelerating your REAL ESTATE BUSINESS IN 2015

Best Practices for Accelerating your REAL ESTATE BUSINESS IN 2015 Best Practices for Accelerating your REAL ESTATE BUSINESS IN 2015 LONG LIVE HAPPY HOMES Perform 20% of Agents 80% of real estate business It is common knowledge that 20% of agents do 80% of real estate

More information

A Residential Redevelopment Company. Why you should sell to Red Bow!

A Residential Redevelopment Company. Why you should sell to Red Bow! A Residential Redevelopment Company Why you should sell to Red Bow! About Us We are a professional, full service real estate solutions firm that buys and sells properties throughout the greater Northern

More information

Prospecting Scripts. 2 keys to success in Real Estate

Prospecting Scripts. 2 keys to success in Real Estate Prospecting Scripts 2 keys to success in Real Estate 1. TALK TO PEOPLE 2. ASK THE RIGHT QUESTIONS 1. Door-knocking or cold calling properties around a new listing (inviting them to a property preview)

More information

Individual Property Websites

Individual Property Websites 2010 White Paper: Individual Property Websites Properties Online, LLC has compiled important statistical information for the real estate community. Statistical sources include the 2009 Profile of Home

More information

Specia Nation. Materials

Specia Nation. Materials Specia al Needs Trusts Nation nal Conference Friday, October 16, 2015 Breakout Session 3 3:15 P.M. 4:05 P.M.. Marketing Your Special Needs Planning Skills to Others; Expanding Your Practice Focus Presenter:

More information

SELLING YOUR HOME WITH THE ENVISION TEAM

SELLING YOUR HOME WITH THE ENVISION TEAM SELLING YOUR HOME WITH THE ENVISION TEAM Your Guide to Making an Informed Decision Ben Arredondo REALTOR Office 480-449-6639 Direct 480-206-7077 Ben@TheEnvisionTeam.com TheEnvisionTeam.com THE ENVISION

More information

Million Dollar Pipeline Program Workbook

Million Dollar Pipeline Program Workbook Million Dollar Pipeline Program Workbook Welcome to the Million Dollar Pipeline Program! Thank you for participating in the Million Dollar Pipeline Program training, live workshops, and resources designed

More information

BRANCHISING. Drive more leads and more business to your company Experience the difference MARKETING TRAINING RECRUITING SUPPORT PROFITABILITY GROWTH

BRANCHISING. Drive more leads and more business to your company Experience the difference MARKETING TRAINING RECRUITING SUPPORT PROFITABILITY GROWTH BRANCHISING Drive more leads and more business to your company Experience the difference MARKETING TRAINING RECRUITING SUPPORT PROFITABILITY GROWTH HOWARD HANNA S CORPORATE HEADQUARTERS - PITTSBURGH, PENNSYLVANIA

More information

Benefits of MEA Membership

Benefits of MEA Membership Benefits of MEA Membership Members receive: Benefits found in your collective bargaining agreement Representation on matters pertaining to your collective bargaining agreement Belonging to an organization

More information

How to Sell Your Property Fast and For Top Dollar!

How to Sell Your Property Fast and For Top Dollar! SPECIAL REPORT How to Sell Your Property Fast and For Top Dollar! A Guide for Home Sellers to Help Attract An Unlimited Number of Buyers for Your Property This publication is designed to provide accurate

More information

Texas Title Insurance Guaranty Association...

Texas Title Insurance Guaranty Association... Stewart Title Contacts Texas Title Insurance Guaranty Association... Central Texas District Office 5900 Shepherd Mountain Cove Building 2, Suite 200 Austin, TX 78730 (512) 342-7062 (800) 252-9229 (512)

More information

The complete guide to becoming a mortgage advisor

The complete guide to becoming a mortgage advisor The complete guide to becoming a mortgage advisor Mortgage advisors help people with one of the biggest purchases of their lives, helping them to secure a mortage to buy or re-mortgage property. If you

More information

2013 BUYERS GUIDE. KW Market Navigator

2013 BUYERS GUIDE. KW Market Navigator KW Market Navigator 2013 BUYERS GUIDE Am I ready to buy? How much can I afford? Where do I find homes? Why buy now? How s the market? Is there a right time to buy? What is this home worth in today s market?

More information

Prospecting. in the Business Planning Market. For agent use only. This material may not be used with the public. LIFE-5663-Prospecting 02/16

Prospecting. in the Business Planning Market. For agent use only. This material may not be used with the public. LIFE-5663-Prospecting 02/16 Prospecting in the Business Planning Market LIFE-5663-Prospecting 02/16 For agent use only. This material may not be used with the public. WHAT IS PROSPECTING? In simplest terms, prospecting is all about

More information

Project 1: Loan Originator Business Plan RES 164 Residential Finance

Project 1: Loan Originator Business Plan RES 164 Residential Finance Project 1: Loan Originator Business Plan RES 164 Residential Finance Surviving and Thriving in Today s Residential Financial Market Learn the skills and tools to secure your future in the mortgage arena

More information

Serving the business community since 1916

Serving the business community since 1916 Serving the business community since 1916 1501 North Chaparral Street Corpus Christi, Texas 78401 Phone: 361.881.1800 Fax: 361.882.4256 www.corpuschristichamber.org PRESIDENT S MESSAGE 2012 Dear Friends

More information

Making it Big in a Slow Market White Paper Fall 2007

Making it Big in a Slow Market White Paper Fall 2007 REAL ESTATE INTERNET MARKETING Making it Big in a Slow Market White Paper Fall 2007 2030 Franklin Street, Suite 500 Oakland, CA 94612 866 645 7702 www.ihouseweb.com Copyright 2007 Personal Letter from

More information

Franchising USA HEALTHY FRANCHISING WOMEN IN FRANCHISING: HOW MUCH MONEY WILL YOUR FRANCHISE MAKE? WEIGHT LOSS & WELLNESS: FROM MARKETING TO MILLIONS

Franchising USA HEALTHY FRANCHISING WOMEN IN FRANCHISING: HOW MUCH MONEY WILL YOUR FRANCHISE MAKE? WEIGHT LOSS & WELLNESS: FROM MARKETING TO MILLIONS THE MAGAZINE FOR FRANCHISEES VOL 02, ISSUE 05, MAR 2014 $5.95 www.franchisingusamagazine.com WEIGHT LOSS & WELLNESS: HEALTHY FRANCHISING HOW MUCH MONEY WILL YOUR FRANCHISE MAKE? WOMEN IN FRANCHISING: FROM

More information

Property Owner Property Management Services Presentation

Property Owner Property Management Services Presentation Property Owner Property Management Services Presentation York Real Estate A Division of Signature Associates Real Estate 1213 Culbreth Drive Suite 357 Wilmington, NC 28405 910-665-9795 www.yorkbrokers.com

More information

Powerful Partner Program

Powerful Partner Program GREATER BOSTON ASSOCIATION OF REALTORS 2013 Powerful Partner Program An Affiliate Resource to Valuable Exposure 2013 PLATINUM PARTNER- $10,000 Five Complimentary Affiliate Memberships Free use of the GBAR

More information

Realtor benefits. Additional REALTOR Benefits include: Code of Ethics: Exceptional Customer Service Proudly Provided by FAR. WinForms.

Realtor benefits. Additional REALTOR Benefits include: Code of Ethics: Exceptional Customer Service Proudly Provided by FAR. WinForms. Realtor benefits Your REALTOR Membership in the Fresno Association of REALTORS connects you with exclusive products, programs, and services where and when you need them. When you join the Fresno Association

More information

A Guide to Getting Your News In The Washington Post

A Guide to Getting Your News In The Washington Post A Guide to Getting Your News In The Washington Post Every day The Washington Post receives hundreds of news tips from community and business leaders, government workers, parents, cab drivers, students

More information

Real Estate Council of Alberta. An introduction 1

Real Estate Council of Alberta. An introduction 1 Real Estate Council of Alberta An introduction 1 2 Real Estate Council of Alberta - An introduction Welcome At the heart of Alberta s real estate industry is an organization where people work cooperatively

More information

Affiliate Opportunities

Affiliate Opportunities Affiliate Opportunities Find Your Freedom Discover the Discover the difference difference United Country can make in your life. Your real estate career has been successful. But have you ever wondered how

More information

Working With Government Contractors What You Need to Know as a Federal Employee Who Works With Government Contractors

Working With Government Contractors What You Need to Know as a Federal Employee Who Works With Government Contractors Working With Government Contractors What You Need to Know as a Federal Employee Who Works With Government Contractors U.S. Office of Government Ethics www.usoge.gov Working With Government Contractors

More information

BARRY ROSS PROFESSIONAL EXPERIENCE & AFFILIATIONS

BARRY ROSS PROFESSIONAL EXPERIENCE & AFFILIATIONS 539 N. Glenoaks Blvd., Suite 305 Office: 818-840-0950 Burbank, California 91502-3213 Fax: 818-840-0990 www.rossmediation.com BarryRoss@ROSSmediation.com PROFESSIONAL EXPERIENCE & AFFILIATIONS MEDIATOR

More information

Real Estate Professionals with Heart. Home Selling Guide

Real Estate Professionals with Heart. Home Selling Guide Real Estate Professionals with Heart Home Selling Guide Who Are We? KForce Home Solutions is a full service professional real estate solutions company located in Little Elm, Texas. KForce Home Solutions

More information

LIFE ESSENTIALS COLLECTION PEACE OF MIND COMPLETE PEACE OF MIND

LIFE ESSENTIALS COLLECTION PEACE OF MIND COMPLETE PEACE OF MIND LIFE ESSENTIALS COMPLETE PEACE OF MIND PEACE OF MIND COLLECTION 24/7 TELEMEDICINE Imagine you or your child wake up feeling sick maybe a runny nose, a cough and congestion. You already know that getting

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

More information

It s The Easiest Way To Get The Best Listings In Almost Any Area*

It s The Easiest Way To Get The Best Listings In Almost Any Area* To Any REALTOR Who Wants To Quickly Sell More Homes... It s The Easiest Way To Get The Best Listings In Almost Any Area* No Cold Calls or Door-Knocking No Chasing FSBOs or Expireds No Wasting Time, Energy,

More information

Designing and Implementing Your Communication s Dashboard: Lessons Learned

Designing and Implementing Your Communication s Dashboard: Lessons Learned Designing and Implementing Your Communication s Dashboard: Lessons Learned By Katie Delahaye Paine President, Paine & Partners Contact Information: Katie Delahaye Paine CEO KDPaine & Partners Durham, NH

More information

Does Brand Matter to the Real Estate Consumer?

Does Brand Matter to the Real Estate Consumer? Does Brand Matter to the Real Estate Consumer? Does Brand Matter to the Real Estate Consumer? Overview When Keller Williams Realty announced in February of 2011 that it had become the second-largest real

More information

Will Lenders or Banks do short sales if the mortgage is current?

Will Lenders or Banks do short sales if the mortgage is current? Frequently Asked Questions FAQ What is a short sale? A short sale is when your Lien Holder(s) agree to accept less than you owe in order for you to sell your home. They agree to a discount of the mortgage

More information

Marketing Your Practice

Marketing Your Practice ILLINOIS STATE BAR ASSOCIATION 2013 Marketing Your Practice Essential Information for Illinois State Bar Association Members Included in this issue: ❶ The ins, outs and ethics of lawyer marketing ❷ Building

More information

~ Press Kit ~ Professional Event Planning. Design / Planning / Management

~ Press Kit ~ Professional Event Planning. Design / Planning / Management Professional Event Planning Design / Planning / Management We create memorable events while providing you with a first class experience. ~ Press Kit ~ Get in Touch The Contents (949) 690-6832 cassie@eventsbycassie.com

More information

Real Estate Counseling and Appraisal Firm

Real Estate Counseling and Appraisal Firm Lipman Frizzell & Mitchell LLC Lipman Frizzell & Mitchell LLC is a Real Estate Counseling and Appraisal firm that serves a wide array of clients in the public and private sectors, including corporations,

More information

Original Group Gap Analysis Report

Original Group Gap Analysis Report Original Group Gap Analysis Report Year 11 Levels of Progress Analysis 2014-2015 Spring This document was created using the Transition Matrices Report Generator Copyright Dr Stuart Atkinson - 2014 - All

More information

Marketing 101 for Aspiring Yoga Teachers

Marketing 101 for Aspiring Yoga Teachers Marketing 101 for Aspiring Yoga Teachers Catherine Wagner May 2013 How many classes do I need to teach to make a living? Can I make a living teaching yoga? Which studios should I work for? You are passionate

More information

409 LINDEN AVENUE JACKSON MI 49203 PH (517) 782-6054 FAX (517) 782-3118. www.disabilityconnect.org

409 LINDEN AVENUE JACKSON MI 49203 PH (517) 782-6054 FAX (517) 782-3118. www.disabilityconnect.org 409 LINDEN AVENUE JACKSON MI 49203 PH (517) 782-6054 FAX (517) 782-3118 www.disabilityconnect.org Lesia Pikaart - Executive Director (517) 998-3082 Lesia@disabilityconnect.org Monday Friday 9:00 AM to

More information

9/8/2015. What Does RESPA Stand For? Background of RESPA. Real Estate Settlement Procedures Act. Instructor: Susan Barnette

9/8/2015. What Does RESPA Stand For? Background of RESPA. Real Estate Settlement Procedures Act. Instructor: Susan Barnette Instructor: Susan Barnette What Does RESPA Stand For? Real Estate Settlement Procedures Act Background of RESPA 1 Purpose of RESPA What Entities Are Subject To RESPA? 2 RESPA Section 8(a) No person shall

More information

We are here to help you...

We are here to help you... We are here to help you... Hi Scott Wilson here the Founder of Digital Influence. I just wanted to say thanks for taking the time to read this short report. As a business owner that has been lucky enough

More information

We are The Urban League of Philadelphia.

We are The Urban League of Philadelphia. Program & service guide We are The Urban League of Philadelphia. We offer programs & services to empower the region s African American community. Since 1917, The Urban League of Philadelphia has been empowering

More information

Step 1: Decide to Buy

Step 1: Decide to Buy Step 1: Decide to Buy Do you really want to pay someone else's mortgage? If you re renting and have a stable job with some savings, and a credit score in the high 600 range, you can likely qualify for

More information

Marketing Proposal. The Renner Team at Keller Williams

Marketing Proposal. The Renner Team at Keller Williams Marketing Proposal It is my pleasure to present to you a marketing plan that will bring your home into a prominent position in the Austin, Texas real estate market. My goal is to offer you marketing solutions

More information