December Gener al Member ship Meet ing and Holiday Open

House

$9.00 if registered prior to 12/8/2014

Dinner will be catered by Oyster’s and the menu will consist of:

To r egist er , visit www. r accf l. com, log in and click “event ”. Choose t he t it le of t he event add t o your car t and

click ent er payment inf o at t op r ight t o complet e t he t r ansact ion, or call 746-7550.

New member Denise Bramos was the winner of the $50 gift card to Skeet’s donated by our Business Partner of the Month

It wasn’t all business though. After our very productive meeting, we enjoyed spending time together as fellow

We had a very interesting Corn Hole tournament where we dubbed Rob Tessmer, Jr. as the “Corn Hole King”.

was present. Greg’s personal comments to each volunteer were very heart warming. Greg also took a moment to thank AE Bonnie for all she does; he stated he didn’t realize what the AE did until he became President.

Business Partners/Robert Rodriguez: Want to start a “One Committee Program”: where delegates will visit

Rob and 2015 President Debbie’s vision is to show more recognition to the

FREE

ALWAYS THINK SAFETY – DON’T BE THE VICTIM On November 3rd Instructor and Realtor® Dennis Pilon taught a very interesƟng and informaƟve safety class to 30 Realtors and Business Partners. Dennis was very passionate when he told the story of the murder of a 37 year old real estate agent in St. Armand’s Circle in Sarasota. He used the power point that Chief John Kintz from the Longboat Key Police Dept. had used in his safety classes with Dennis back in the early 90’s. Chef Kintz's Safety RecommendaƟons:

IdenƟfy your client. IdenƟfy client's car. Try to meet your client at the oĸ ce or at least a public, populated place. Have an agenda and sƟck to it. Make sure someone else knows your clients informaƟon and your agenda. Think safety, not commission. Trust your insƟncts. If something sounds too good to be true, it probably is. Always get a copy of the driver license and leave in oĸ ce. Never go in your client's car.

Read "The GiŌ of Fear" by Gavin de Becker. Dennis donated a copy for the RACC library. RecommendaƟon was made to have someone conduct a self-defense course, and the educaƟon commiƩee will be exploring that possibility in the near future. The associaƟon is selling Pepper Gel for $13.99 plus tax. This is beƩer than spray and you can use up to 18 feet. Also, for sale is a police force Ňashlight stun gun for $22.50 plus tax. If you want to purchase these items, just stop by the associaƟon. The following aƩendees were the lucky recipients of the door prizes: Gail Hargreaves - Pepper Gel Janet Bega - Flashlight Laser Stun Gun Fran Perez - "GiŌ of Fear" book Hazel Carlson - Pepper Gel Nancy Ayers - Flashlight Laser Stun Gun Stephanie Fellows - "GiŌ of Fear" book Thank you Dennis for sharing your experƟse in this Į eld and providing a worthy, interesƟng program for our members.

By Stephanie A. Spear, Russell W. Riggs November 24, 2014 A four-member review panel at the National Transportation Safety Board (NTSB) reversed and remanded a decision made by an NTSB administrative law judge in the case Huerta v. Pirker, a landmark case dealing with the commercial use of drones and the FAA’s jurisdiction over them. The Pirker case began in October 2011 when Raphael Pirker was remotely operating an unmanned aircraft to take pictures and videos of the University of Virginia Medical Center in Charlottesville, VA. As a result, Pirker was cited by the FAA and fined $10,000 for operating the unmanned aircraft “in a careless or reck-less manner so as to endanger the life or property of another”. Pirker appealed, and on March 6, 2014, an NTSB administrative law held that:

none of the existing federal statutory or regulatory definitions of ‘aircraft’ applies to unmanned aircraft or model airplanes;

existing FAA jurisdiction does not apply to enforcement against model aircraft or drone flight; current FAA regulations do not apply to model airplanes or unmanned aircraft flight; and at the time of the flight, there was no enforceable rule or regulation to enforce against the operator.

Pirker’s fine was dismissed and the initial ruling was viewed as a victory for drone enthusiasts. The FAA immediately appealed the decision, and the NTSB review board issued its decision on November 17, 2014. The review board rejected the ALJ’s interpretation that the unmanned vehicle was a model aircraft, and therefore excluded from FAA oversight. The review board found that the definition of ‘aircraft’ in the existing statutes and regulations was so clear as to leave no room for another interpretation. The review board also pointed out those existing definitions had no differentiation between manned and unmanned aircraft. The board’s conclusion was that “an aircraft is any device that is used for flight”. Building on the interpretation of the definition of the word ‘aircraft’ as it relates to unmanned vehicles, the review board also determined that FAA regulations concerning the safe operation of aircraft did apply to the machine and operator in question. The case will now be sent back to the administrative law judge for reexamination based on the findings of the review board. The main issue that will be addressed is whether Pirker violated 14 CFR §91.13, which states “ (a) Aircraft operations for the purpose of air navigation. No person may operate an aircraft in a careless or reckless manner so as to endanger the life or property of another”.

Buying Af ter a Shor t Sale? The W ai t Just Got Longer

FORT LAUDERDALE, Fla. – Nov. 26, 2014 – We completed a short sale about two years ago. We have been renting and saving our money to buy a new home after the two-year waiting period imposed by Fannie Mae. When we applied for our new loan, we were told that now we have to wait another two years. We are very upset and feel we were lied to during the short sale. What gives? – Al

The large major ity of lenders follow Fannie Mae guidelines when qualifying potential borrowers for new loans. When you closed on your short sale, you were given valid information that under the right conditions you could get a new loan two years after completing the deal.

Unfortunately, a couple of months ago Fannie Mae changed its guidelines so that there now is a four-year exclusion period before a buyer can qualify for a loan after a short sale. The guidelines do provide for a two-year period under extenuating circumstances, which are a sudden, drastic and prolonged drop in income that left the borrower with no other reasonable option but to default on the mortgage. In reality, it is extremely difficult to get this exception.

The good news is, not all lenders follow the Fannie Mae guidelines. Credit unions and community banks often will look past your credit score and other arbitrary criteria and evaluate your overall situation. They'll take into account factors such as income, savings, job history and whether the short sale was an isolated event or caused by circumstances outside of your control. In all likelihood, you will need to apply at multiple lenders and jump through hoops, but I have seen many borrowers get mortgages this way.

About the writer: Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. He is the chairperson of the Real Estate Section of the Broward County Bar Association and is an adjunct professor for the Nova Southeastern University Paralegal Studies program.

The information and materials in this column are provided for general informational purposes only and are not intended to be legal advice. No attorney-client relation-ship is formed. Nothing in this column is intended to substitute for the advice of an attorney, especially an attorney licensed in your jurisdiction.

Copyright © 2014 Sun Sentinel, Gary M. Singer. Distributed by Tribune Content Agency, LLC. Taken from Floridarealtor.org

MLS WARNINGS AND FINES FOR NOVEMBER

In November the MLS issued the following to ParƟcipants and/or Subscribers: Warnings: Duplicate LisƟng (0) Wrong Category or Area (3) Pending and Closed (0) Lender owned (0) No Photo (2) Branded Virtual Tour (0) Lockbox Code in LisƟng (0) Name/Phone# (1) Sign in Photo (0) Alt Key (0) Auth for use of photo (1) Fine: (1) $50 (1) $25

• Failure to submit contingent, pending and closed information within two (2)

• Failure to enter a photo. Note: The seller may request in writing a photograph of the

• Failure to enter a listing in the correct category. • Duplicate address and/or alternate key for the same property.

The famous “separate but equal” doctrine is

11/3 Victim or Victor, Safety Class: “Dennis,

best!”

Please update you address books. The old email addresses will be made

Sun Mon Tue Wed Thu Fri Sat

1 2 Ask Experts GIS Mapping 9:00-11:00am Business Partner

Lunch—Noon

3 YPN 3:00pm

4 Bd of Directors 8:30am

5 6

7 8 9 Ed Comm 9:00am

10 Tech Comm 1:00pm

11 ICE 4Hrs CE FL Military Spec 9:00-1:00pm Holiday Membership Meeting 5:30

12 13

14 15 16 Tech Talk 9:00am -? Forms Simplicity Part 2

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28 29 30 31 Bd will Close at Noon

DECEMBER 2014

BUSINESS PARTNERS:

NEW MEMBERSThomas “Dan’ Auito

Agent No Longer With Now With

NEW MEMBER OFFICES

Inactives with REALTORS® ASSOCIATION OF CITRUS COUNTY

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Vacant

2015 President Debbie Rector’s Mardi Gras theme installation will be held

ready to party and welcome our new officers and directors! Don’t forget