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October 2012October 2012

digest

digest

digest

CongratulationsCongratulations to our 2013to our 2013

Officers & Directors!Officers & Directors!

Save the Date!Save the Date! RAMC’s second annual Business Partner TradeshowRAMC’s second annual Business Partner Tradeshow

November 15th from 2pmNovember 15th from 2pm‐‐5pm5pm

Come and tailgate with us! We will be having a great time getting to know our

Business partners and the services and products they offer. There will be

prizes, giveaways and light refreshments. We can’t wait to see you there!

Pay your dues online! Realtor® & Business

Partner dues must be paid by October 31st.

Go to www.ramcfl.org and login.

2013 RAMC President—Tom Baker

President………………………………………………………Tom Baker

President‐Elect…………Jennifer Atkisson‐Lovett, CRS, GRI

Vice President…………………………..Angie Laviano, CRS, GRI

Secretary‐Treasurer…………….………….Christy Bearse, CPA

Past President……………………………………...Marty Carmody

Director…………………………………………………...Sue Andersen

Director…………………………………………………….Rick Boschen

Director……….……..Diana Bruton, AHWD, CRB, LTG, PMN

Director……………………………………………….…..Sandy Burton

Director…………………………….…….Dennis Fadden, CRS, GRI

Director…………………………………………..Cheryl Gaydos, GRI

Director…………………………...………………………...Joan Rogers

REALTOR® ASSOCIATION OF MARTIN COUNTY 43 SW Monterey Road Stuart, Florida 34994

Phone (772) 283‐1748 Fax (772) 288‐0215

info@ramcfl.org www.ramcfl.org

OFFICERS President

TOM BAKER tombaker@keyes.com

President‐Elect JENNIFER ATKISSON­LOVETT, CRS, GRI

jenniferalovett@gmail.com

Vice President ANGIE LAVIANO, CRS, GRI

angie@bhgrela.com

Secretary‐Treasurer CHRISTY BEARSE, CPA

christy@florida‐homefinders.com

DIRECTORS SUE ANDERSEN, TRC sue@sueandersen.com

RICK BOSCHEN rickboschen@prudentialfloridarealty.net

DIANA BRUTON, AHWD,CRB,LTG,PMN stuartrealtor@gmail.com

SANDY BURTON sandy@bhgrela.com

MARTY CARMODY martin@premierrealtygroup.com

DENNIS FADDEN, CRS, GRI, SRES, SFR dennis.fadden@floridamoves.com

CHERYL GAYDOS, GRI, SFR, TRC, ePro pcg8@comcast.net

JOAN ROGERS joannmb@gmail.com

STAFF JOY LANE

Executive Vice President joy@ramcfl.org

LANIE HAW Professional Services Director

Education, Sponsorships, Membership lanie@ramcfl.org

JEREMEY BINGHAM Government Affairs Director

Government Affairs, RAMCFL.org, Supra jeremey@ramcfl.org

MARISA MOLEIRO MLS Director

MLS, Residential Marketing, RAMC Newsletter marisa@ramcfl.org

HELENE GRATTON Administrative Assistant helene@ramcfl.org

Want to reach RAMC members with your message? Contact Marisa

for information on advertising in the RAMC digest at marisa@ramcfl.org

Deadline for the November edition is October 19th.

Page 2

National Association of REALTORS® 888‐874‐6500

Florida Association of REALTORS® 407‐438‐1400

Florida Legal Hotline 407‐438‐1409 Free advice from an Attorney for members of Flor‐ida Realtors®!

Florida Tech Helpline 407‐587‐1450 (M‐F 9am‐8pm / Sat 9am‐5pm) Free expert assistance and support for all your technical needs.

DBPR 850‐487‐1395 www.MyFloridaLicense.com/dbpr (FL Dept. of Business and Professional Regulation)

Check your CE credits and license renewal information at:

www.MyFloridaLicense.com

MLXchange Help Desk 888‐825‐5472 M‐F 8:30am‐8:30pm / S‐S 8:30am‐3pm

Form Simplicity 407‐587‐1430

KURIO 888‐935‐8746 http://martincounty.kurio.mobi

ListHub Support 877‐847‐3394 (press 2)

ListingBook 866‐353‐3456

RealBiz 360 888‐732‐5249 (press 2)

Realtor.com 800‐878‐4166

RPR (24‐7 Support) 877‐977‐7576

ShowingTime 800‐379‐0057

Supra 877‐699‐6787

Important Phone Numbers and Web Sites

Professional Home Inspections

Quality fact based reports with photographs

Ph‐772‐539‐1906 Fax‐ 772‐918‐4765

Home Inspections, Wind Mitigations,

4 pt Insurance Affidavit, WDO, Septic,

Mold and Seawall

Last Minute! No Problem!

Home Diagnostic Services, LLC.Home Diagnostic Services, LLC.

John LaCorte John LaCorte ‐‐ State Lic. #HI 1161State Lic. #HI 1161

john@hdservicesonline.comjohn@hdservicesonline.com

www.hdservicesonline.comwww.hdservicesonline.com

New REALTOR® Members Anne Coppage Keller Williams/Safe Harbor Realty

Leandra Dakshaw Illustrated Properties/Palm City

Dianne DeSisto Coldwell Banker/Hobe Sound

Irene Griffith Wm Day Real Estate Inc.

Marion Jones Nettles Coastal Realty

Vincent Ozzi Tradewinds Real Estate Corp

Mary Sadecki Keyes Company

Randolph A. Segal Focus Asset Management LLC

New Designated REALTOR® Randolph A. Segal Focus Asset Management

Marion Jones Nettles Coastal Realty

Transfers Roz DeGraff Premier Realty Group

Tracy Dix Keller Williams/Safe Harbor Realty

Britta Gunhus Keller Williams Realty/Jupiter

Joe Sabato Keller Williams/Safe Harbor Realty

Marilyn Workman Priority One Properties of FL

REALTOR® Name Change Anna Maria Hutchinson to Anna Maria Leone (Keyes Co.)

Membership

2012 RPAC Contributors

$99 Club Members Diane Asker

Sue Andersen

Tom Baker

Priscilla Baldwin

Donna Banister

Christy Bearse

Rick Boschen

Mary Bradley

Keri Burgess

Judy Burkhardt

Nancy Burnopp

Sandy Burton

Marty Carmody

Bob Castellano

Chris Clifford

C. Lawrence Constantine

Teresa Cooper

Bill Dean

Dave Derrenbacker

Debra Duvall

Bob Eis

Dennis Fadden

Elmira Gainey

John Gonzalez

Margaret Harte

Eric Hartman

Ricou Hartman

Gail Honey

Marlene Katz

Ellen Kennedy

Robert Ladd

Angie Laviano

Vince Laviano

Sean Mann

Shannon Mann

Stephen Osburn

Phillip Parisi

Bonnie Peters

Victor Post

Linda Prange

Charles Ross

Colleen Sample

Julia Sansevere

Gary Scott

Anne Schmidt

Sally Stetson

Patrick A. Stracuzzi

D. Teague Taylor

Devin Teal

Jacqui Thurlow‐Lippisch

Mary Ann Villalva

Sherri Westervelt

Randy Wisniewski

Deborah Wood

Your name could be here, too!

Capitol Club Members RPAC Capitol Club members have demonstrated a true commitment to supporting RPAC and all it does for their profession by donating $250 or more this year.

Jennifer Atkisson‐Lovett

Jeremey Bingham

Cheryl Gaydos

Joan Rogers

Page 3

In Memoriam

It is with compassion that we send our

thoughts to Beth Dyack on the passing of

her husband, and also to Francine Quinn

on the passing of her father. Our

thoughts and prayers are with you in this

difficult time.

Are you receiving emails from RAMC? We use a third party provider to send out our

blast email messages. Please make sure you allow all mes‐

sages from RAMC in your Inbox or else you will be missing

out on important information!

Page 4

Relationship Management: 4 Safety Essentials Every Agent Needs to Know

Your customer relationships can put your safety at risk. Here are four things you can do to make safety a bigger priority.

By Melissa Dittmann Tracey

In the real estate business, you want to seem friendly, outgoing, and approachable in wel‐coming new customers and attracting pros‐pects. But doing so could also put your safety at risk.

The dangers that lurk within the real estate industry is a lesson some practitioners have had to learn the hard way. A study last year found a rise in violent attacks against real es‐tate professionals, with 16 assaults and seven murders reported, according to a 2011 REAL‐TORS® Safety Report. Real estate professionals who were meeting clients alone at showings were found to be the most vulnerable to rob‐beries, assaults, or murders, according to the study.

Many real estate professionals can recall an incident when they’ve felt uneasy about their safety while touring homes with clients. (See 'Safety Lessons That Saved My Life...' or 'How I Stay Safe') In fact, about 42 percent of female real estate professionals and 18 percent of male agents say they’ve “occasionally” felt unsafe, according to an online survey of 450 real estate professionals conducted by Moby, a safety mobile app company.

So what’s one of your greatest allies to staying safe in real estate? Trusting your gut.

“That gut feeling is a survival instinct in our bodies,” says Adam Contos, vice president of RE/MAX who created a REALTOR® safety cur‐riculum for the franchise’s S.A.F.E.R. program. “If we feel something is wrong, there probably is something wrong. ...Don’t ignore signs just to chase a commission. A commission isn’t worth your life, nor is it worth your peace of mind in an industry where you can have great success. Don’t take unneeded risks.”

Contos, who worked in law enforcement as a former SWAT team commander and taught police officers security measures prior to his real estate career, recommends four essentials to improving your safety in real estate.

1. Be prepared. Find out as much as you

can about new clients prior to taking them on home tours with you, says Contos. Too often agents don’t take the time to properly screen

their clients before taking them to showing appointments in vacant homes.

Jan Pringle, the education director with the Kansas City Regional Association of REALTORS® who also teaches agents about safety, says she advises agents to require all potential buyers to first visit the office to review paperwork prior to showings. She’ll then tell her agents to ask clients for their pre‐approval letters for a loan. If they don’t have one, she’ll tell agents to send clients for a loan approval next before agreeing to show them a single property.

“This easy step not only protects the agent, but also forms strong bonds with real buyers,” Pringle says. “I don't think the bad guys will go so far as to be documented for a loan approval. Plus, unmotivated buyers are weeded out as well.”

Also in preparing beforehand, look at the prop‐erties you plan to show. Know the exits. If it’s a vacant, foreclosed home, ensure squatters aren’t present. If someone is inside the home, never enter, but contact the police immedi‐ately. Contos recommends agents do a thor‐ough check of the property’s exterior before entering, looking for such clues as window screens that have been pried off, front doors kicked in, or any evidence of someone living there by peering inside the windows. Even if you just feel something is off, Contos suggests contacting the police to have them check out the property beforehand.

2. Bring a flashlight to all of your showings. “It’s probably one of the most

effective defense tools,” Contos says. A large, bright flashlight that fits in the palm of your hand (not the miniature keychain flashlights) can surprisingly serve as a deterrent to would‐be predators. A flashlight “gives the people you are with a sign that you are prepared for some‐thing to happen,” Contos says. You can use it to shine a light on objects that you want to point out in a home to potential buyers. But “it’s also something in your hand that is con‐strued by bad people as an item that a pre‐pared professional carries with them,” Contos says. “Police and security personnel carry them. It would cause those who want to do harm against you to think twice.”

Some real estate agents say they carry a weapon with them to their showings for added comfort. In fact, an informal poll in 2010 of 320 REALTOR® Magazine online readers found that 26 percent say they carry a handgun, nearly 20 percent carry pepper spray, about 11 percent carry a knife, and 2 percent carry scissors. About 39 percent say they carry nothing.

If you choose to carry a weapon, Contos cau‐tions agents to get regular professional training on how to use it correctly and make sure it’s legal in their area. Mace, tasers, and firearms, for example, are illegal in certain states. “Make sure what you’re doing is legal,” Contos says. “You don’t want to jeopardize your real estate license by carrying something that is not.”

3. Use your cell phone for safety. Another great weapon to help keep yourself safe: Your cell phone.

“You don’t want to have to dig through your pockets or purse to find a phone and then en‐ter a security code just to make a phone call if something goes wrong,” Contos says. Instead, he recommends wearing a bluetooth headset while showing properties. The discreet head‐sets usually allow you to touch a button twice to dial the last phone number you called. “So if you’re walking through a home with a buyer and something turns a little creepy, you can touch the button twice,” Contos says. “You don’t have to say anything to the other person on the line. Continue to show the house but [the person on the other line will] be able to hear you talking in the event that you feel your safety is in jeopardy.”

He also advises agents to have a “security part‐ner” that they can call up to give a secret code word to when they feel in danger. In his classes, he recommends words like “red folder.” So when you call someone and men‐tion, or they overhear in your conversation “red folder,” that person will know something is wrong and know to send help.

You also can use your cell phone to access mobile apps designed for safety. A growing number of mobile apps such as Agent Alarm, Moby, Real Alert, SafeTrec, and IcePics, among others, allow you to make instant calls to emergency responders. Some apps can even automatically access your GPS coordinates so you can quickly request help when you feel threatened. (Learn more: How to Use Your Smartphone as a Weapon)

4. Slow down. Stop being in such a rush, Contos suggests. When considering REALTOR® safety, many professionals just associate it as prevention of being a victim to a crime such as robbery or an assault. But REALTOR® safety also means taking precautions so you don’t become a victim in other occupational hazards on the job, too, such as car crashes, trips and falls in homes, or even being bit by a dog or other animal when touring homes.

“There are so many occupational hazards other

Continued on top of next page >>

Page 5

than just being a victim of a crime,” Contos says. “When you get in a hurry, you ignore your surroundings and that can pose a huge safety hazard. It’s not about just getting robbed. It’s also about not getting hurt.”

For example, as you rush to client appointments or travel from listing to listing, many real estate agents are guilty of talking on their phone, tex‐ting, or even e‐mailing while driving. But what happens if you’re distracted by texting and then hit a pedestrian—a child on a bike?

“A car crash can ruin your career and hurt someone else,” Contos says. “Don’t be distracted when driving; pay attention. We multi‐task too much when we’re driving what’s a 5,000‐pound weapon.”

Indeed, real estate is one of the top professions for the most car accidents and speeding tickets, according to a 2009 study by the Quality Planning Corp. Researchers analyzed statistics about car accidents and speeding based on profession and found that per year, every 1,000 real estate bro‐kers average 102 car accidents and 39 speeding tickets. Real estate brokers were No. 4 on the list of top 10 most cash‐prone professions (behind only doctors, lawyers, and architects).

Contos encourages real estate agents to stop rushing about their day, take the time to plan ahead, and take extra precautions. It’s what putting safety first is all about.

Realtor® Safety / Relationship Management—cont.

IMPORTANT NOTICE

iPhone 5/iOS 6 and eKey Compatibility

The new iOS 6 operating system that Apple recently released has been tested with the Supra eKEY app and

is compatible on the following devices:

iPhone 3GS

iPhone 4

iPhone 4S

iPad 2

HOWEVER, please note that Supra has yet to receive a “Lightning” adapter from Apple, so we are not able to confirm

that eKEY is compatible with the iPhone 5 at this time. The iPhone 5 uses a

new connector called “Lightning” that is much smaller than Apple’s previous

30‐pin connector. As a result, the current Supra eKEY adapter required to

interact with iBoxes will not plug directly into the iPhone 5.

Supra plans to support the iPhone 5. We will confirm compatibility as soon as we receive a

Lightning connector from Apple and test it and make any changes to our products that are

required. We are also exploring a fob/adapter design that may not require Apple’s Light‐

ning adapter, and we will provide more information on that as it becomes available.

Supra customers who wish to use the iPhone 5 with the eKEY app may want to consider

delaying purchasing the iPhone 5 until the Lightning adapter is released and Supra test‐

ing is complete.

Thank you,

Supra Support Team

Apple’s new Adapter which will be

needed to use eKey.

Sunshine Sprint Committee Members Daniel Wade, Danielle Ice, Rick Boshen, Catherine Winters, Mike Bouse, Michelle Clarke and Stefani Hughes thank the RAMC family for their continued support for The Sun‐shine Kids. The event will be held on Saturday, October 6th starting at 6:00 a.m. at the Stuart Cause‐way. Register or donate at www.sunshinesprint.com. See you at the Sprint!

October 6th: The Sunshine Kids’ Annual “Sunshine Sprint”

Fundraising

Habitat for Humanity of Martin County

Last month, RAMC presented a check to Habitat for Humanity of Martin County in the amount of $3,837.00 from the funds that

were collected from members during various fundraisers that were held over the past year.

Habitat for Humanity was first incorporated on the Treasure Coast as the Martin‐St. Lucie Habi‐tat for Humanity in the summer of 1986. In 1996, due to increasing demand for services, two sepa‐rate affiliates were created and Habitat for Hu‐manity of Martin County was formed. The or‐ganization slowly transitioned from an all‐volunteer staff to an executive director with sup‐port staff and is supported by an army of volun‐teers who donate more than 13,000 hours per year.

Habitat for Humanity of Martin County is a not‐

for‐profit organization that works in partnership

with God and people everywhere, from all walks

of life, to help eliminate substandard housing by

building homes for others, revitalizing neighbor‐

hoods, and transforming lives. Since its inception

in 1986, Habitat has built 98 homes in Hobe

Sound, Indiantown, Jensen Beach, Port Salerno

and Stuart. For more information, call (772) 223‐

9940 or visit HabitatMartin.org.

Dennis Fadden with Margo Graff, Executive Director of Habitat for Human‐ity, Martin County.

Page 8

We would like to say A big “THANK YOU” “THANK YOU” “THANK YOU” to all of our 2013 Sponsors!

Platinum Sponsor

Gold Sponsor

Silver Sponsors

Bronze Sponsors

A+ Mold Inspection Specialists

Corelogic/Marketlinx

First American Title

Supra / UTC Security

UBS—LeMasters Schrenk Group

Universal Land Title

Copper Sponsors

Fenton Services/Handyman Matters

Homes by JMC

Paradise Homes

Signature Home Inspections

Page 9

September Program Sponsors

Program Date Sponsor Sponsor Company

Marketing 9/4/12 Jim Coughlin Exacta Land Surveyors

Basic MLS 9/6/12 Jason Fletcher Cutco Closing Gifts

Marketing 9/11/12 Michael Steffens National Building Inspections

Code of Ethics 9/13/12 Elaine Prezzemolo Paradise Homes

Core Law 9/13/12 Joe Rauso & Frank Leporino DR Horton

Marketing 9/18/12 Cindy Miller Universal Land Title

Photography: More than point & shoot 9/21/12 Joanne Zarro Sterling Mortgage

Marketing 9/25/12 Kerrie Russell Showcase Magazine

If you are a Business Partner and you would like to sponsor a meeting or educational event, please contact Lanie Haw at 772‐678‐7246 or lanie@ramcfl.org We have openings available.

...and, Congratulations to our Award Winners! Realtor® of the Year……………….……………….Christy Bearse (Fenton, Lang, Bruner & Associates)

Distinguished Service Award……………………………………….Donna Banister (RE/MAX of Stuart)

Community Service Award………………………………………..Marcia Benson (Prudential FL Realty)

RAMC Leadership Award…………………………………………………...………….Tom Baker (Keyes Co.)

Business Partner Member of the Year….Patrice Drennan‐Smith (Harbour Community Bank)

Business Partner Company of the Year………………………………………………………….DR Horton

Rookie Business Partner of the Year…………………………………………..WIN Home Inspections

Thank you for all you do to make this Association outstanding!

Recipients are pictured below from left to right in the order listed above.

Page 10

Page 11

Have you seen our new paint colors?! The RAMC Office area was given a partial

makeover with beautifully colored, newly painted walls by some of our fantastic Business Partners!

Thank you SO much to the following

Business Partners who lent your time,

talent and tools, we LOVE it:

Terry & Gary Mulka (WIN Home

Inspections)

Karen Gilmore (Fidelity Funding

Mortgage)

Patrice Drennan‐Smith (Harbour

Community Bank)

Joe Rauso (DR Horton)

Regina Karner (Karner Surveying)

B R OWN B A G L U N C H

Children's Services Council of Martin County

Date: Thursday, October 11th

Time: 12:00pm—1:00pm

Tuition: FREE, but reservations are required

The Children's Services Council of Martin County is dedicated to pro‐viding children's programs that make a difference in the lives of all Martin County residents. Learn more about the impact homeowners are making on the quality of life in Martin County through the Chil‐dren's Services Council so you can be more informed for your custom‐ers!

L I V E WE B I N A R 3 C E U

Working with the Senior Citizen

Date: Friday, October 26th

Time: 9:00am—12:00pm (noon)

Tuition: $20 by 10/19, $25 thereafter; $35 Non‐Members

In this live webinar you will:

Understand the general characteristics and unique challenges facing three generations –the GI Generation, the Silent Genera‐tion, and the Baby Boomers

Gain a better understanding of senior stereotypes and why they are inaccurate

Understand what a reverse mortgage is, who is eligible, and how they work

Provide guidance on senior’s options in housing while avoiding scams

Understand the emotions and stresses that may be present for seniors who are considering buying or selling real estate

Page 12

MLS Training Classes Every month RAMC offers MLS training classes for FREE to our MLS members. Each class offers 3 CEUs! Below you can find the

list of dates they are planned for the next few months.

BASIC MLS Begins at 9AM on: Oct. 11th, Nov. 1st, & Dec. 6th

INTERMEDIATE MLS Begins at 1:30PM on Nov. 1st.

ADVANCED MLS Begins at 1:30PM on: Oct. 11th, & Dec. 6th.

2013 Class dates will be announced soon!

Steven David Programs By far one of Florida’s favorite instructors! Steve has consis-tently scored in the top 2% of the entire 60-instructor faculty at Florida Realtors. He also has spoken at the National Association of Realtors Education Directors meeting as well as the NAR Education Director’s Workshop. He has been frequent speaker at the Florida Realtors State Convention, as well as several other state Conventions. He will be at RAMC on 10/25. You don’t want to miss these opportunities to hear Steven speak! http://walkthetalkpresentations.squarespace.com/david‐steve‐test/

Real Estate Investing: The Good, Bad & Ugly 3 C E U

Date: Thursday, October 25th

Time: 9:00am – 12:00pm (noon)

Tuition: $20 by 10/19, $25 thereafter; $35 Non‐Members

Real estate Investing, until recently produced some of the world’s wealthiest people. That still holds true after the recent crash, but the rules may be revised. The old rules worked fine until they took a back seat during the Pre Crash insanity. Through this course we will look at Real Estate investing as a long‐term strategy to produce current in‐come and long‐term wealth creation. We’ll also look at: how do we calculate accurate incomes and cash flows; what makes a “good deal” good; and how much cash is necessary to acquire property.

Breakfast courtesy of Donna Pearlman of A+ Mold Inspection Specialists.

Real World Negotiating 4 C E U

Date: Thursday, October 25th

Time: 1:00pm – 5:00pm

Tuition: $25 by 10/19, $25 thereafter; $35 Non‐Members

In this program, you’ll learn that people do things for THEIR reasons, not yours. You’ll learn to list first, and act second. You’ll leave with cues that will tell you how they process information and the best kind of negotiating strategy that they will respond to.

Snack provided by Elaine Prezzemolo of Paradise Homes.

Page 13

M L S T R A I N I N G

Fusion for MLXchange

Date: Thursday, October 18th

Time: 9:00am—12:30pm

Tuition: FREE to RAMC MLS members; Registrations is required

Are you a MAC user, frustrated with using IDS to access MLXchange via a slow, third party server portal? Or maybe you just want a fresh new interface to access MLXchange and conduct your daily tasks? If either of these are you, then you MUST attend this class! Even if you came to our last Fusion training class, additional features have been added so you will want to attend this one. Doug Fremming from MLXchange will be showing you the ins and outs of Fusion and answering any questions you have about the new interface. We only have these classes twice a year so don’t miss this if you want to start using Fusion now. Register at our website—www.ramcfl.org

M L S T R A I N I N G

Realist Tax Roll System

Date: Thursday, October 18th

Time: 1:30pm—4:30pm

Tuition: FREE to RAMC MLS members; Registrations is required

Doug Fremming is back to show you the way around Realist—our tax software system. If you missed any of the previous classes, this is a must attend! Learn how to run reports, create mailing labels, create export files, access flood zone maps and distressed properties, and more! Register online at www.ramcfl.org

November 29th—30th, 8:30am – 5:30pm

11 CEUs

$322.00

FREE BONUS: Core Law, 11/28, 1 – 4pm, 3 CEUs

Adults aged 50+ represent more than 20% of the U.S. population. For most senior adults, the homes that they live in are their largest asset and account for most of their net worth. Completion of this course is an essential step for REALTORS® in understanding the distinct real estate goals, concerns, and needs of seniors today. This course looks at key differences in housing options, from age‐restricted communities to age‐in‐place design to assisted living; applications of the Housing for Older Persons Act (HOPA); the ins and outs of reverse mortgages; the use of pensions, 401k accounts, and IRAs in real estate transactions; and developing a team of senior specialists, including estate planners, reverse mortgage lend‐ers, clutter and staging specialists, and more.

Attending the SRES course and Core Law course will give you the 14 CEUs for your license renewal!

To register call 888‐647‐7277

Seniors Real Estate Specialist (SRES®) Designation Course

October 24, 2012 ‐ Webinar: Real‐Estate Owned

(REO) Property Webinar. This FREE webinar provides under‐

writers, originators, real estate agents, and other industry

partners with instructions to make the most of the remark‐

able opportunities available through HUD’s Real Estate

Owned (REO) disposition program with a focus on under‐

writing and appraisal requirements. Topics covered include

most recent updates and Mortgagee Letters, REO Contracts,

Incentives such as the $100 down program, Good Neighbor

Next Door, repair escrows, and various sample calculations.

Registration is required. Please hold on to the e‐mail

you receive after you register, you will need it to access the

webinar. This webinar will be archived. Questions? E‐mail

HUD

FREE Webinar from HUD!

Learn How to Work with REO Properties from HUD

Page 14

Yeah for Tom!

Ringing in our

2013 President

and Board of

Directors was so

much fun!

Our 2013 Officers & Directors, from Left to

Right: Marty Carmody, Cheryl Gaydos,

Dennis Fadden, Sandy Burton, Christy

Bearse, Diana Bruton, Sue Andersen, Joan

Rogers, Angie Laviano, Jennifer Atkisson‐

Lovett, and Tom Baker. (Missing: Rick

Boschen)

Page 15

Donna Banister of RE/MAX of Stuart, and RAMC Distinguished

Service Award recipient, with Jennifer Atkisson‐Lovett, also of

RE/MAX of Stuart.

RAMC 2013 President Tom Baker of The Keyes Co., with Marty

Carmody of Premier Realty Group, our outgoing 2012 RAMC

President.

Jason Flannery, President‐Elect of JTHS; Mike Dooley, Past

President of Florida Realtors; Matthew Halperin, Vice Presi‐

dent of RAPB; and Tim Harris, President‐Elect of RAPB.

Rachel Stafani of Illustrated Properties, and Karen Gilmore of

Fidelity Funding Mortgage Corp.

Dennis Fadden of Coldwell Banker, Bob Castellano and Marty

Carmody, both of Premier Realty Group. The passing of the gavel! RAMC Past Presidents: Richard

Geisinger, Ralph Davino, Stephen Bohner, and Vince Laviano.

More Photos from the Installation and Awards Luncheon

Page 16

NEWS YOU CAN USE OIR approves Citizens rate increases for 2013 TALLAHASSEE, Fla. – Oct. 3, 2012 – State insurance regulators on Tues‐day approved a 10.8 percent average rate hike for Citizens Property Insurance Corp. homeowners policies, along with higher increases on sinkhole coverage.

Following more than a month of review and multiple hearings by Citi‐zens board members and the agency, the Office of Insurance Regula‐tion (OIR) approved new rates that will affect most of the company’s 1.4 million customers on policies renewed after Jan. 1.

“The final rates indicate a more reasonable approach toward moving a significant portion of Florida’s demographic to actuarially‐supported rates,” Florida Insurance Commissioner Kevin McCarty said in a state‐ment.

“Our primary goal is to ensure Citizens policyholders are treated fairly and retain an opportunity to return back to a robust private insurance market as the Florida Legislature intended,” he said.

State lawmakers and OIR officials have been trying to boost Citizens rates to make them more comparable to rates charged by the private market in some of the state’s riskiest areas.

Lawmakers, however, limited annual increases to 10 percent, a cap that critics say has hindered efforts to depopulate the state‐run pool that has become the largest property insurer in the state. The cap, however, does not include higher costs for hurricane catastrophe in‐surance, resulting in rates climbing higher than 10 percent.

However, critics say the actual premium increases are much higher. They say Citizens’ rule changes regarding hurricane discounts and a reevaluation of credits make actual annual premium increases too burdensome for many covered homeowners.

“This isn’t just a rate hike of more than 10 percent, it’s a rate hike of more than 10 percent after Citizens changed the rules – taking away mitigation discounts, reducing coverage and changing replacement values,” said Sean Shaw, a former Florida insurance consumer advo‐cate. “Citizens is getting away with charging more for less, and policy‐holders and our economy are worse off because of it.”

The first round of rate approvals includes a 10.8 percent increase in multi‐peril policies for residential homeowners. Citizens officials had sought an 11.8 percent average increase.

The agency also approved rates for owners of residential rental prop‐erty. Those rates will be allowed to increase by 8.8 percent on aver‐age.

Rates for mobile homes and commercial lines are expected later this month.

Lawmakers last year removed the 10 percent cap on sinkhole cover‐age, following a meteoric rise in claims in certain portions of the state, notably the Tampa Bay area.

Also Tuesday, OIR approved homeowners sinkhole insurance increases averaging 21.4 percent, down from the requested 29.6 percent in‐crease. McCarty said Tuesday the sinkhole rates would have been even higher if lawmakers had not passed sinkhole‐coverage changes in 2011.

Source: News Service of Florida, Michael Peltier

Fla. real estate laws effective Oct. 1 TALLAHASSEE, Fla. – Oct. 2, 2012 – Two laws passed by the 2012 Flor‐ida Legislature became effective on Oct. 1.

Real estate sales associates and broker associates are exempt from local business taxes. HB 7125 a bill by the House Economic Affairs Committee and Rep. Ken Roberson (R‐Port Charlotte) exempts real estate sales associates and broker associates from paying local busi‐ness taxes (formerly known as occupational license fees) if required in their city or county.

Under Florida law, these individuals must affiliate with a real estate broker who already pays local business taxes, and brokers will con‐tinue to pay the tax.

Repeal of the tax will save real estate licensees $3.8 million annually.

Protecting an appraiser’s interests. HB 887 by Rep. Clay Ingram (R‐Pensacola) prohibits Appraisal Management Companies from requiring appraisers to sign hold harmless agreements as a condition of busi‐ness.

© 2012 Florida Realtors®

New I.D. theft scam targets Fla. licensees TALLAHASSEE, Fla. – Oct. 3, 2012 – Florida’s Department of Business and Professional Regulation (DBPR) is warning all state licensees about a new license renewal scam that targets the state’s licensees. At least one real estate licensee was targeted.

According to a warning letter issued by DBPR Secretary Ken Lawson, a “real estate broker recently received an unsolicited email claiming his brokers’ licenses were the subject of disciplinary action from an entity posing as (DBPR).” The broker was told to call a toll‐free number and provide personal identification information to an investigator with DBPR. However, DBPR did not send the letter, nor is the toll‐free num‐ber related to DBPR.

In his letter, Lawson asks real estate licensees not to respond to any email in which DBPR warns of a disciplinary action, and not to call any phone numbers listed in the email.

“Instead, contact the department directly at (850) 487‐1395,” Lawson says. “You may also log into your online account to determine if any suspension is pending against your license. The theft of personal iden‐tification information is a crime and should be reported immediately to local law enforcement.”

DBPR says it’s working with law enforcement to determine whether any crime has occurred.

Scammer attacks on licensees represent the latest twist for identity theft, an increasingly savvy crime. Florida ranks first per capita in iden‐tity theft complaints nationwide (more than 178 complaints per 100,000 residents) and sixth in fraud complaints (about 515 com‐plaints per 100,000 residents), according to the Consumer Sentinel Network.

On the city level, Miami leads the country with 324 complaints per 100,000, though seven Florida cities also rank in the top 20.

© 2012 Florida Realtors®

Page 17

NEWS YOU CAN USE Grassroots taxpayers groups endorse Amendment 4 ORLANDO, Fla. – Oct. 2, 2012 – Two of Florida’s largest taxpayer or‐ganizations announced that they strongly recommend passage of Amendment 4 in November – a position also held by Florida Realtors.

Ax the Tax and the Florida Taxpayers Union represent over 140,000 Florida taxpayers. The groups jointly announced a push urging a “YES” vote on the Amendment.

According to the taxpayer groups’ joint release, Amendment 4 would take effect on Jan. 1, 2013, and:

• Help first‐time Florida homebuyers by giving them property tax relief through an additional homestead exemption, equal to 50 per‐cent of the Just Value of a property up to the median Just Value of a homestead property in that county. The first‐time homebuyer home‐stead exemption phases out over five years by going down 20 per‐cent each year.

• Help small business by lowering their property tax cap and provid‐ing a reduction in the non‐homestead maximum annual Assessed Value increase cap from the current 10 percent (on non‐school lev‐ies) to a new level of 5 percent, and an extension of non‐homestead Assessed Value caps through the 2022 tax year (which also does not apply to school levies).

• It will help keep politicians from raising property assessments when property values go down by providing legislative authority to eliminate the Save Our Homes “Recapture Rule.”

“We concur with the analysis of our associates at Florida Tax Watch as to the clear economic value of the passage of this much‐needed prop‐erty tax reform, and urge all Florida voters to vote YES on Amendment 4,” says Doug Guetzloe, founder and chairman of Ax the Tax, a citizens grassroots committee established in 1982.

“We have long sought equity and reason with Florida’s byzantine tax structure and this amendment goes a long way toward establishing fairness in property tax collection,” adds Keith Recine, president of the Florida Taxpayers Union.

Ax the Tax has led seventeen (17) anti‐tax battles in four states, most prominently in Florida over the past 30 years. Florida Taxpayers Union is the Florida affiliate of the National Taxpayers Union.

Both organizations are establishing the passage of Amendment 4 as their top political priority for the November election.

© 2012 Florida Realtors®

Home equity payments up – first time since 2007 ATLANTA – Oct. 1, 2012 – Signaling a possible turning point in mort‐gage demand, home equity installment balances rose 0.3 percent in August – the first monthly increase since November 2007 – according to Equifax’s National Consumer Credit Trends Report.

The total number of home equity installment loans fell 43 percent over the past four years – from 7.7 million in August 2007 to 4.4 million in August 2012. The nation’s total home equity balances fell with it, de‐clining 49 percent from a $278 billion peak in September 2007 to $143 billion in August 2012.

The August increase, however, indicates a positive change in direction.

“The residential real estate market finally seems to be finding solid ground,” says Equifax Chief Economist Amy Crews Cutts. “We’re see‐ing signs that the contraction in mortgage debt is slowing, and delin‐quencies continue to trend down at the same time that mortgage rates set new record lows on almost a weekly basis. The environment has been set for growth for a while – now it looks like it may finally be happening.”

New Mexico led the nation in the growth of home equity installment loans with both the largest gain in dollar balances (2.3 percent) and number of loans (1.7 percent) outstanding.

Florida ranked No. 4 in its dollar value of home equity installment loans, rising 1.9 percent. California (2.3 percent) came in second, fol‐lowed by Nevada (2.1) and Colorado (2.0 percent).

Florida (1.6 percent) came in second for the number of new loans by percentage, however. Nevada (1.5 percent), California (1.35) and Colo‐rado (1.3 percent) rounded out the top five.

Delinquency rates have been stable in a narrow band in recent months on home equity accounts, Equifax’s report says, though loan write‐offs grew in August as well.

Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is a member of Standard & Poor’s (S&P) 500 Index.

© 2012 Florida Realtors®

A tale of two credit scores: borrowers vs. lenders WASHINGTON – Sept. 27, 2012 – When reviewing their credit reports, one in five consumers likely see a different credit score than the one a creditor uses to price a loan, according to the Consumer Financial Pro‐tection Bureau (CFPB). The discrepancy has the agency concerned.

Lenders use credit scores to help determine the interest rate they’ll charge customers – higher credit scores often receive the best rates.

“Many consumers incorrectly believe that the scores they purchase are the same ones used by lenders,” according to a CFPB report. As such, a “substantial minority” of consumers are at risk of overpaying for credit or applying for loans they have little chance of receiving.

Even the slightest variation in credit scores can make a big difference, and the discrepancies have the potential to hamper a person’s chances for qualifying for certain kinds of home loans, according to the CFPB.

The CFPB sites FICO scores, which are widely used by lenders, as an example. FICO has different credit scoring models for lenders, and it can be different than what consumers see. VantageScore also has different types of credit scores, CFPB says.

CFPB is evaluating the accuracy of credit reporting firms’ service to consumers. It encourages consumers not to focus on a score’s number when they review credit reports, but to check the accuracy of the pay‐ment history firms use to calculate scores. Consumers correct errors on the payment histories within reports because it can help improve their scores.

Source: “Regulator Sees Flaws in Credit‐Score Information,” The Wall Street Journal (Sept. 25, 2012)

© Copyright 2012 INFORMATION, INC. Bethesda, MD (301) 215‐4688

Page 18

October 1st MVP Member Offer When a member registers for NAR’s Green Designation three‐course bundle at REAL‐TOR® University between October 1‐15, they will be rewarded with a $35 Apple Gift Card (limited quantities) and the Seller's Brochure Bundle – download.

YOUR ACTION: Register for NAR’s Green Designation three‐course bundle at REALTOR® University—Click on the orange “Act Now” button below.

YOUR REWARD: $35 Apple Gift Card (limited quantities) and the Seller’s Brochure Bundle—Download

Details: Sign up for NAR’s Green Designation Online Bundle through REALTOR® University from October 1‐15. Completing the online bundle courses will earn you NAR’s Green Designation. Learn everything you need to know to advise your clients on green properties, un‐derstand homes with sustainable features, and market yourself as a trained green professional.

Upon purchasing the online course bundle, you’ll receive an email within 48 hours with informa‐tion about how you will be receiving your $35.00 Apple Gift Card. Quantities are limited and will be offered on a first come first served basis, so act fast! Don’t miss this limited reward opportu‐nity! All registrants will also receive Seller's Brochure Bundle ‐ Download which features 2 products, the Getting It Sold Brochure ‐ Download & the Energy Savers Brochure ‐ Download.

Only course registrations between October 1 and October 15, 2012 will be eligible for this offer. Only U.S. members of the National Association of REALTORS® are eligible to receive this offer. Must have a valid NRDS ID number and e‐mail address to register.

Click the ACT NOW button to sign up for NAR’s Green Designation Online Bundle through REALTOR® University.

Page 18

National Ass'n of REALTORS® v. Fothergill: NAR Awarded Damages for Trademark Violations An Illinois federal court has determined that a website operator’s willful violation of the NATIONAL ASSOCIATION OF REALTORS® (“NAR”) trademark rights entitled NAR to an injunction prohibiting any further in-fringing behavior as well as an award of $500,000 plus attorney’s fees. John Fothergill (“Broker”) owned a real estate brokerage and was a mem-ber of NAR. In 2009, the Broker registered two domain names, listitonreal-tor.com and listonrealtor.com. The Broker’s website advertised that con-sumers could pay a flat fee to the Broker and have their listings appear on a number of websites, including <realtor.com>. In addition, some of the Broker’s communications appeared as though they were being sent by NAR. NAR has several trademark registrations related to the REALTOR mark, and owns the domain <realtor.com>. As a member of NAR, the Broker received a limited license to use the REALTOR® mark, as set forth in NAR’s rules for trademark usage. To learn more, visit NAR’s Membership Marks Manual. NAR began contacting the Broker about his various misuses of the REAL-TOR mark. First, NAR filed a complaint with the World Intellectual Prop-erty Organization (“WIPO”) about the two domain names the Broker had registered in 2009. The WIPO Hearing Panel ruled that the Broker had regis-tered domain names in bad faith and so ordered that those domain names be turned over to NAR. Following the WIPO hearing, the Broker continued to violate NAR’s rights. In one advertisement, he purported to offer to place for sale by owner (“FSBO”) listings on realtor.com for $99, even though NAR’s explicitly forbid the placement of such listings on realtor.com. NAR received com-plaints from both members and consumers about the Broker’s conduct,

many of whom were confused about NAR’s connection with the Broker. In 2011, NAR filed a lawsuit against the Broker alleging false designation of origin, false advertising, trademark infringement, and cybersquatting. When the Broker failed to answer the complaint, the court entered a pre-liminary injunction prohibiting the Broker from using the infringing websites or otherwise implying that he had a connection with NAR through the use of the REALTOR marks. Thereafter, NAR moved for judgment in its favor. The United States District Court for the Northern District of Illinois entered judgment in NAR’s favor, awarded NAR $500,000 in damages, awarded NAR its attorney’s fees, and entered a permanent injunction prohibiting the Broker and his companies from taking certain actions. The injunction prohibited the Broker and his companies from: (1) using, registering, or maintaining any domain names containing the REALTOR marks, including the previously infringing URLs; (b) using any names, symbols, or designations that incorporate or are similar to the REALTOR marks or any other NAR trademark; (c) using any names, designation, or similar to the REALTOR marks used in code or metatags to direct Internet search engines to respond to searches using the REALTOR marks or any other NAR designation; (d) otherwise infringing the REALTOR marks; (e) making representations or otherwise implying that its goods are authorized or connected to NAR; (f) any action which is likely to cause confusion about the Broker’s connection to NAR’s domain names; and (g) making any representation that FSBO properties can be displayed on <realtor.com>. In addition to the injunction, the court ordered that pay damages of $500,000, or $100,000 per infringing domain name. The Broker was fur-ther ordered to turn over all infringing domain names, and file a report within 30 days of the order setting forth how he had complied with the order. The court also awarded NAR its attorney’s fees National Ass’n of REALTORS® v. Fothergill, No. 1:11-cv-08013 (N.D. Ill. June 11, 2012). [Note: This opinion is not published in an official re-porter and therefore should not be cited as authority. Please consult coun-sel before relying on this opinion.]

Page 19

Open House Tour Schedule

Map Area Tour Date Cut‐off is 5PM

on:

O, P 12 10/9/12 10/5/12

J 9 10/16/12 10/12/12

K 9 10/23/12 10/19/12

L 9 10/30/12 10/26/12

M, N,

Indiantown

10 11/6/12 11/2/12

A, Z 1, 7015 11/13/12 11/9/12

MLXchange Technical Support (7 days a week)

1‐888‐825‐5472

*Indicates deadline has been moved up due to a holiday

REALTOR®; REALTORS®; REALTOR­ASSOCIATE® Trademarks With Member's Name A. In Salutations, Addresses, Signatures It has become customary in some areas for one Member to ad‐dress another Member as, for example, "REALTOR Jones". Since such usage of the terms REALTOR®, REALTORS® and REALTOR‐ASSOCIATE® is not inconsistent with either the laws governing the use of registered marks or the objectives of the PROGRAM, such usage has been accommodated by the policies and guide‐lines adopted by the National Association. The following salutations are acceptable: "Dear REALTOR® Jim" (first name) "Dear REALTOR® Smith" (last name) "Dear REALTOR® Jones and Mr. Doe" "Dear REALTOR‐ASSOCIATE® Martin" Spoken use or written use in the following way is permitted: "I respect the views of REALTORS® Smith and Jones and of Mr. Doe who is a non‐member broker." "According to REALTOR® Smith and REALTOR‐ASSOCIATE® Mar‐tin, interest rates are a major factor." In signatories, the following are acceptable: Sincerely, REALTOR® Smith Cordially, REALTORS® Smith and Jones Yours very truly, REALTOR‐ASSOCIATE® Martin B. On Business Cards Business cards usually carry a firm name and the name of an individual. Depending on the membership status of the individ‐ual named and the standing of the firm's principals, it may be appropriate to use one of the terms REALTOR®, REALTORS® or REALTOR‐ASSOCIATE® with either or both names. The guidelines and policies governing use of these terms with the firm name are covered in the next section entitled "With Firm Name". This section focuses only on use of those terms in association with an individual's name. If the individual is a REALTOR® Member, the term REALTOR® may be used adjacent the Member's name provided appropriate separating punctuation is also used. The preferred form for the term is all capital letters and the registration symbol "®".

Firm Name Street

City, State John Doe, REALTOR®

Other information about the individual, such as his status within

the firm, a telephone number, or his license status or specialty area of practice, may also be indicated.

Firm Name Street

City, State John Doe, REALTOR®

President Appraiser/Broker

Phone:

In some states, licensees must include on business cards their license status (e.g.,broker, broker‐associate, salesperson, etc.). Under no circumstances should an attempt be made to satisfy such a requirement by use of one of the terms REALTOR®, REALTORS® or REALTOR‐ASSOCIATE®. To do so is to use the terms REALTOR® and REALTOR‐ASSOCIATE® interchangeably with the terms broker or broker‐associate or salesperson. Even if the applicable license law, regulations or regulatory body charged with enforcement permit such substitution it is prohibited by these policies for use of the MARKS. The REAL‐TOR® MARKS are not, and may never be used as, a designation of a person's licensed status. A non‐member is never permitted to use the term REALTOR® or REALTOR‐ASSOCIATE® adjacent his name on a business card or anywhere else, even if he is employed by or affiliated with a REALTOR® firm. The form of use limitations described above regarding capitali‐zation, separating punctuation, and the registration symbol "®" apply to use of the terms REALTOR®, REALTORS® and REALTOR‐ASSOCIATE® adjacent the individual's name on busi‐ness cards and must be followed. Provided those require‐ments are observed, Members are at liberty to design their business cards as they see fit.

AUGUST 2012

Page 20

Price Range 0-2 3 4+12Total

Units

11 Total

Units2012 2011 Price Range

12 Total

Units

11 Total

Units2012 2011

<$99,999 25 16 0 41 34 176 196 <$99,999 24 17 166 156

$100 - $199,999 20 31 8 59 44 270 313 $100 - $199,999 13 15 174 187

$200 - $299,999 8 19 10 37 27 167 218 $200 - $299,999 5 5 106 133

$300 - $399,999 0 12 9 21 9 142 201 $300 - $399,999 2 3 58 63

$400 - $499,999 0 2 6 8 8 87 96 $400 - $499,999 1 1 21 22

$500 - $599,999 0 0 2 2 4 60 61 $500 - $599,999 0 0 16 20

$600 - $699,999 0 1 1 2 3 43 55 $600 - $699,999 1 0 11 12

$700 - $799,999 1 2 2 5 1 33 35 $700 - $799,999 0 1 4 3

$800 - $899,999 0 1 1 2 2 26 18 $800 - $899,999 0 1 7 4

$900 - $999,999 0 0 0 0 1 18 22 $900 - $999,999 0 0 4 5

$1 - $1,499,999 0 0 0 0 2 39 43 $1 - $1,499,999 0 0 11 10

$1.5 - $1,749,999 0 0 0 0 0 11 10 $1.5 - $1,749,999 0 0 0 0

$1.75 - $1,999,999 0 0 0 0 0 14 15 $1.75 - $1,999,999 0 0 0 0

$2 - $2,499,999 0 0 1 1 0 15 23 $2 - $2,499,999 0 0 0 2

$2.5 - $2,999,999 0 0 0 0 1 15 9 $2.5 - $2,999,999 0 0 0 0

$3 - $3,499,999 0 0 0 0 0 9 5 $3 - $3,499,999 0 0 0 0

$3.5 - $3,999,999 0 0 0 0 0 5 9 $3.5 - $3,999,999 0 0 0 1

$4 - $4,999,999 0 0 0 0 0 6 6 $4 - $4,999,999 0 0 0 0

>$5,000,000 1 0 0 1 0 11 5 >$5,000,000 0 0 0 0

Total Units55 84 40 179 136 1,147 1,340

Total Units46 43 578 618

Avg Price312,894 218,270 393,975 286,608 254,953 553,321 487,271

Avg Price139,348 162,453 234,600 250,263

Med Price 109,900 185,000 334,500 180,500 168,600 279,900 279,900 Med Price 97,000 125,000 179,000 181,500

Total Val 17,209,174 18,334,709 15,759,001 51,302,884 34,673,622 634,659,165 653,429,911 Total Val 6,410,000 6,985,500 135,598,856 154,662,470

Residential Condominium

Sold by # of Bedrooms Inventories Sold Inventories

Type 2012 2011 2012 2011 Type 2012 2011

Assum 0 0 6.41 9.85 Assum 0 0Cash 89 72 Cash 34 32Conv 64 42 Conv 9 9FHA 18 15 FHA 0 0VA 5 1 VA 1 0

Seller 1 1 2012 2011 Seller 1 2Other 2 5 12.57 14.37 Other 1 0

DOM 2012 2011 DOM 2012 20111-30 53 36 1-30 13 9

31-60 32 20 31-60 7 561-90 16 7 61-90 4 7

91-120 11 12 91-120 3 4121+ 63 61 121+ 18 16

Residential Condo

Absorption RateCondo

Solds by Number of DOM Solds by Number of DOM

Solds by Financing Type Absorption Rate Solds by Financing TypeResidential Residential Condo

Absorption rate: indication of average length of DOM

To calculate the absorption rate, divide the number of listings in your market by the number of sales during that month. For

example, if your market had 300 home listings last month and 100 sales, the absorption rate

is three months.

Based on MLS information from the Realtor Association of Martin County, Inc.

Page 21

To learn more about the differences between the statistics on these two pages, please click on the link to

our website below for an explanation:

http://ramcfl.org/mls/statistics/ids‐statistics

October 2012 MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

1

2

8:30am—Res. Marketing, Areas 14 & 16, Maps Q & T

3 4 5

8 9

8:30am—Res. Marketing, Area 12, Maps O & P

10 11

9am—Basic MLS

12pm— Brown Bag Lunch: Chil‐dren’s Services Council

1:30pm—Advanced MLS

12

15 16

8:30am—Res. Marketing, Area 9, Map J

17 18

9am—Fusion MLS training

1:30pm—Realist Tax System Training

19

22 23

8:30am—Res. Marketing, Area 9, Map K

24 25

9am—Real Estate Investing

1:00pm—Real World Negotiating

26

9am—Live Webinar: Working with Senior Citizens

29 30

8:30am—Res. Marketing, Area 9, Map L

31

Happy Halloween!

Save the date:

RAMC’s Business Partner Tradeshow will be on November 15th from 2PM‐5PM. All RAMC Realtors® are invited!

RAMC Realtor® Store

FEATURED PRODUCT OF THE

MONTH

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SALE PRICE $28.00 Sale price has been extended through

October 31st due to popular demand!

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