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2013 Annual Installation &

Awards Luncheon

Friday, September 28th, 11:45AMFriday, September 28th, 11:45AM

atat

The Clubhouse of Mariner Sands Country ClubThe Clubhouse of Mariner Sands Country Club

Please join us for our

Hut, hut, hike! Join us for the installation of the new 2013 leadership team and presentation of the most prestigious honors awarded by the

Realtor® Association of Martin County.

Purchase your seats early, this special annual event sells out quickly!

To make your reservation and purchase a seat: Call us at (772) 283‐1748 or register online at http://ramcfl.org. Tickets are $25.

DUES BILLINGDUES BILLING Look for your 2013 Dues Bill to come

via EMAIL EMAIL this month

To make sure you receive it, please confirm your email address with RAMC

by logging into the portal at http://ramcfl.org and updating your contact

information if you have not done so.

“Teamwork Makes the Dream Work!”

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

MARTY CARMODY martin@premierrealtygroup.com

President‐Elect TOM BAKER

tombaker@keyes.com

Vice President DEBRA DUVALL, CIPS, CRS, CRB deb@waterpointerealty.com

Secretary‐Treasurer CHRISTY BEARSE, CPA

christy@florida‐homefinders.com

DIRECTORS SUE ANDERSEN, TRC sue@sueandersen.com

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

KERI BURGESS soldbykeri@aol.com

JUDY BURKHARDT, GRI,CRS,CRB,SRES,ABR judyburkhardtrealtor@yahoo.com

SANDY BURTON jillandsandy@bhgrela.com

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

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

LINDA PRANGE, CRS linda@bhgrela.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, RAMConline.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 October edition is September 21st.

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 Damon Black Real Estate of Florida Michael Farabaugh RE/MAX of Stuart Britta Gunhus Keller Williams (Safe Harbor) Georgia Gordon Keyes Company Terry Lee Krigger Florida Community Services Goup Brian A. Poston, Jr Berk Realty

MLS Only Sam Beatty Welcome Home Realty International

Transfers Michael Izzolo RE/MAX of Stuart Melody Fortier Keyes Company Flo Godino Prudential Florida Realty/Stuart

New Offices #983 McGrane Realty Services 2253 NW 22nd Ave #101 Stuart, FL 34994 850‐228‐7653 DR: Daniel Edwin McGrane #984 Berk Realty Inc 5121 SE Burning Tree Circle Stuart, FL 34997 528‐605‐6057 DR: Bryan Poston

New Business Partner Offices Paradise Homes Group 575 NW Mercantile Place #109 Port St‐Lucie, FL 34986 772‐621‐4663 Elaine Prezzemolo First Choice Loan Services 4850 T Rex Ave #125 Boca Raton, FL 33431 772‐631‐1694 Audrey Allen

New Business Partners Karen Gordon Paradise Homes Charles Mendinhall Harbor Community Bank Ronise Toledo PNC

Looking for a member? Go to www.ramcfl.org and log in with your RAMC user ID and password, then click on “Find a Member” to search by last name, company, city

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

Page 4

Got Ethics??Got Ethics?? Don’t let your membership get suspended by not completing your Ethics Training.

REALTORS® are required to complete Ethics training of not less than 2 hours, 30 min. of in‐structional time within NAR’s four‐year cycle. The training must meet specific learning objectives

and criteria established by the NATIONAL ASSOCIATION of REALTORS®.

The current four‐year cycle will end Dec. 31, 2012. If you have not completed your mandatory training by midnight on December 31st of this year, you will automatically be dropped from membership, and cannot be reinstated until your Ethics training has been completed.

Complete your Ethics training by signing up for a class RAMC is offering classes on September 13th& 14th. The course on Thursday will be from 9am‐12noon, offers 3 CEUs, and will be taught by Dick Fryer. And, a live webinar will be held on Friday, September 14th from 1pm‐4pm.

How to register for a class online: 1. Log into http://www.RAMCFL.org 2. Click on Education 3. Click on the class your wish to register for 4. Click on Register Now 5. Enter credit card information if there is a fee 6. Click on Register 7. Click on Print Register on the Class Registration Confirmation page

Or call RAMC at 283-1748. If you need to cancel, please call the Association at least 24 hours in advance.

SEPTEMBER

13TH & 14TH

Page 5

6 MOBILE SAFETY APPS FOR REAL ESTATE

Features include alerting emergency contacts, sharing location

BY INMAN NEWS

Inman News®Flickr/davidsonscott15

The following is a list of six mobile applica‐

tions recommended by safety trainer and

former real estate agent Tracey Hawkins

of Safety and Security Source in recogni‐

tion of Realtor Safety Month.

A survey conducted in the spring from

Moby, a company that develops personal

safety mobile applications and is featured

on this list, found that the most common

safety devices respondents carried while

on the job were phones (95.5 percent).

Hawkins advised agents planning to use a

safety app to have it ready in advance.

"One thing that is important in using a

safety app as a tool ... (as with) any other

safety tool: it must be accessible. The

emergency button needs to be on the

screen, ready to be pressed in an emer‐

gency situation. Agents will not have time

to fumble with their phone, find the app,

open it and press it in an emergency situa‐

tion. It needs to be ready to go," she said.

"The good news is that most developers

offer one‐time low payments or free basic

plans. For a monthly fee users can add

services that include live emergency moni‐

toring, medical monitoring, advanced GPS

features and more. However, the basic

plan is enough to allow agents to work

with an additional safety net and safety

partner beside them 24/7."

Hawkins is currently writing a book on real

estate agent safety. As part of that proc‐

ess, she is running a contest for agents to

submit their safety tips to her blog. Those

who submit the best tips will win an agent

safety kit. Winners will be chosen Sept. 30.

The following apps are in alphabetical

order. Unless the app is a paid download,

the features described here are those

available on the apps' free basic plans.

1. Guardly

• Available on Android, BlackBerry,

iPhone, iPod Touch, Windows 7.

• Basic plan: free.

• Premium plan: $1.99 per month

or $19.99 per year.

• Features: send an alert via

phone, email, and text that includes your

location to emergency contacts.

2. IcePics

• Available on iPhone.

• Paid download: $2.99.

• Features: automatically take a

photo and email it with the GPS map loca‐

tion to email contacts in one touch.

3. Moby

• Available on BlackBerry, iPhone.

• Basic plan: Free.

• Premium plan: $9.95/month or

$99.95/year.

• Features: share your location

with family and friends; set a recurring

schedule to ask "Are you OK?"; in case of

emergency alert chosen contacts and

emergency services (only on a BlackBerry).

4. RealAlert

• Available on iPhone, Android.

• Paid download: $1.99.

• Features: call 911 in one tap,

alert a friend, sound an alarm, save details

on suspicious persons, and locate the

nearest hospital. This app was created by

Austin, Texas, real estate agent Michelle

Jones.

5. SafeTrec

• Available on Android.

• Basic plan: free.

• Premium plan: $9.95 per month.

• Features: send text and email

panic alerts to emergency contact list with

GPS location.

6. SmrtGuard

• Available on: BlackBerry;

SmrtGuard Pro also available on Android

and iPhone.

• Basic plan: Free

• Premium plan: $2.49 per user per

month; yearly license plans also available.

• Features: activate one‐push panic

button to send out an email, text mes‐

sage, or Twitter message with location

information to your contact list; trigger an

emergency call to any preset number,

including 911.

Page 6

By Bruce Aydt QUESTION: I just learned that the seller of a house I recently listed might have to go the short‐sale route. I don’t feel comfortable continuing with the listing without saying anything about it in the MLS. Does the NATIONAL ASSOCIATION OF REALTORS®’ Code of Eth‐ics require that I disclose this possibility? ANSWER: The Code doesn’t have a provision that ad‐dresses disclosure of a potential short sale, but Article 2 states that "REALTORS® shall avoid exaggeration, misrepresentation, or concealment of pertinent facts relating to the property or the transaction." In addition, the Code of Ethics and Arbitration Manual provides guidance on the disclosure of "pertinent facts," saying that "any material fact that could affect a reasonable purchaser’s decision to purchase, or the price that a purchaser might pay, should be disclosed as required by Standard of Practice 2‐1 if known by the REALTOR® unless, again, ‐otherwise prohibited by law or regulation." Is the potential short sale a "pertinent fact"? In a short sale, the seller cannot convey clear title because the amount of debt, along with the sale costs, exceed the anticipated sale price and the seller lacks the as‐sets to make up the shortfall. Thus, the lender must reduce the balance due on the loan in order for the

seller to convey title. The seller’s inability to perform the terms of a sale contract without the lender’s ac‐tion could affect a buyer’s decision to purchase the property, and therefore would be pertinent. Even though there’s nothing explicit in the Code about disclosure of potential short sales, your MLS might have rules in place. Several states have license law standards that require a licen‐see to disclose any "adverse material fact," which includes a party’s ability to perform the terms of a sale contract. The buyer will learn of the short sale eventually. Your MLS and state rules, along with guidance from the Code, will help you determine if you should make the disclosure up front.

Article 2 REALTORS® shall avoid exaggeration, misrepresentation, or concealment of pertinent facts re-lating to the property or the transaction. REALTORS® shall not, however, be obligated to dis-cover latent defects in the property, to advise on matters outside the scope of their real estate license, or to disclose facts which are confidential under the scope of agency or non-agency re-lationships as defined by state law. (Amended 1/00)

· Standard of Practice 2-1

REALTORS® shall only be obligated to discover and disclose adverse factors reasonably apparent to someone with expertise in those areas required by their real estate licensing authority. Article 2 does not impose upon the REALTOR® the obligation of expertise in other professional or technical disciplines. (Amended 1/96)

Is a Potential Short Sale a 'Pertinent Fact'? Does the Code of Ethics require disclosure of a possible short sale?

Page 7

August Program Sponsors Program Date Sponsor

Video Blogging and Social Media 8/3/12 Travis Reynolds TAD'S Interiors and Construction

Marketing 8/7/12 Karl Moore CitruSolutions

Marketing 8/14/12 Diane Romer WCR

Orientation 8/17/12 John LaCorte Home Diagnostic Services, LLC

Marketing 8/21/12 Suzanne Granfield/Reina Ramos Seacoast National Bank

Misrepresentation 8/23/12 Gail Kleemann Group One Mortgage

Marketing 8/28/12 Steve Fenton Fenton Services

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!

ORLANDO, Fla. – Aug. 30, 2012 – Florida Realtors’ new Contract for Residential Sale and Purchase (CRSP‐12) replaces and updates the old FAR‐9 starting tomorrow. Along with the contract change, the CRSP‐12 addenda will replace the FARA‐10.

The names were changed to minimize confusion because Florida Realtors no longer uses the FAR acronym that re‐ferred to Florida Association of Realtors (FAR).

The CRSP‐12 looks very similar to the FAR‐9 – many of the changes are minor. However, one noteworthy change was made to the CRSP‐12: The seller’s warranty regarding permit‐related items has been deleted, and now the buyer must provide written notification to the seller – before the end of the inspection period – what permit‐related items the seller must remedy.

In addition, an appraisal addendum was added and three stand‐alone forms were revised and added to the CRSP‐12 addenda:

• Chinese‐Defective Drywall Addendum to Contract (CDA‐1)

• Mold Inspection Addendum to Contract (MIAC‐1)

• Short Sale Addendum to Purchase and Sale Contract (SSA‐3).

Because these three revised forms are now included in the CRSP‐12 addenda, the stand‐alone versions won’t be avail‐able after tomorrow.

Florida Realtors has posted a complete list of changes online, including a version of the CRSP‐12 that shows deleted passages by striking them out and new wording highlighted in red. For more information, visit:

• Read summary of important changes (Link underlined to: http://www.floridarealtors.org/NewsAndEvents/upload/CRSP‐Summary‐of‐Important‐Changes.pdf)

• View draft that shows all additions and deletions (Link underlined to: http://www.floridarealtors.org/NewsAndEvents/upload/CRSP‐9th‐draft‐final‐redline‐for‐website.pdf)

If you have questions or need help, call the Florida Realtors Legal Hotline at (407) 438‐1409. Hours are 9 a.m. – 5 p.m., Monday through Friday.

© 2012 Florida Realtors®

FAR‐9 replaced by CRSP‐12 on 8/31

CRSP‐12 and CRSP‐12 addenda, which updates and changes FAR‐9 forms, will be available through all of Florida Realtors’ vendors.

RAMC Realtor® Store

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Page 9

S EM I N A R 3 C E U

Code of Ethics

Date: Thursday, September 13th

Time: 9:00am—12:00pm

Tuition: $20 by 9/7, $25 thereafter; $35 non‐members

Satisfy both RAMC Legal Liability and NAR Ethics Cycle 3 require‐ments by attending this class presented by Dick Fryer, President of IFREC. Breakfast compliments of Steve Fenton of Fenton Services.

Refreshments courtesy of Steve Fenton of Fenton Services

S EM I N A R 3 C E U

Core Law

Date: Thursday, September 13th

Time: 1:00pm—4:00pm

Tuition: $20 by 9/7, $25 thereafter; $35 Non‐Members

Core Law is the mandatory 3 hour segment of the 14 hour continuing education course required for license renewal. Presented by Dick Fryer, President of IFREC, this course doesn’t satisfy the RAMC biennial Legal Liability requirement.

Refreshments courtesy of Joe Rauso of DR Horton

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

Code of Ethics

Date: Friday, September 14th

Time: 1:00pm—4:00pm

Tuition: $20 by 9/7, $25 thereafter; $35 Non‐Members

Satisfy both RAMC Legal Liability and NAR Ethics Cycle 3 require‐ments by attending this live webinar.

Page 10

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: Sept. 6th, Oct. 11th, Nov. 1st, & Dec. 6th

INTERMEDIATE MLS Begins at 1:30PM on: Sept. 6th, & Nov. 1st.

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

B R E A K F A S T C L U B

Photography: It’s More than Point & Shoot

Date: Friday, September 21st

Time: 9:00am – 10:30am

Tuition: FREE, but reservations are required

Photographer Jeff Kaplan will show you tips and tricks for photos that will maximize the presentation of your listings!

Breakfast courtesy of Joanne Zarro of Sterling Mortgage.

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!

Page 11

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

Steven David Programs By far one of Florida’s favorite instructors! Steve has consistently scored in the top 2% of the entire 60‐instructor faculty at Florida Real‐tors. He also has spoken at the National Association of Realtors Educa‐tion Directors meeting as well as the NAR Education Director’s Work‐shop. He has been frequent speaker at the Florida Realtors State Con‐vention, as well as several other state Conventions. You don’t want to miss this opportunity to hear Steven speak! Click here for testimoni‐als: http://walkthetalkpresentations.squarespace.com/david‐steve‐test/

November 29th—30th, 8:30am – 5:30pm

11 CEUs

$312.00

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 800‐647‐7277

Seniors Real Estate Specialist (SRES®) Designation Course

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 income 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: $20 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 12

Page 13

September 1st MVP Member Offer When a member of NAR registers for the 2012 REALTORS® Conference & Expo between Sep‐tember 1‐15, they will be rewarded with a free autographed copy of Sally Hogshead’s book FASCINATE (limited quantities) and the Social Media for REALTORS® 101 Do's and Don'ts ‐Download.

YOUR ACTION: Register for the 2012 REALTORS® Conference & Expo

YOUR REWARD: An autographed copy of Sally Hogshead’s book FASCINATE (limited quanti‐ties) and the Social Media for REALTORS® 101 Do's and Don'ts –Download

Details: Register for the 2012 REALTORS® Conference & Expo under a “full conference” or “one day” registration option. The REALTORS® Conference & Expo features 100 education sessions, 400 industry exhibitors and dozens of networking opportunities and special events. Sign up for the event today and your autographed copy of Sally Hogshead’s book FASCINATE & Social Media for REALTORS® 101 Do's and Don'ts ‐ Download.

Offer valid for registrations made Sept. 1‐15, 2012 only; prior Conference & Expo registrations do not qualify. Offer only valid for full conference and one‐day registration options. Only U.S. and international members of the National Association of REALTORS® are eligible to receive this of‐fer; must have a valid NRDS ID to qualify.

Once your registration is confirmed, U.S. members will receive an autographed copy of Sally Hogshead’s book FASCINATE by USPS mail after September 15 & receive an email with instructions on how to access their eProduct reward from the Realtor.org/Store. International registrants (including Canadians) should pick up an autographed copy of the book on site at bookstore during the 2012 REALTORS® Conference & Expo in Orlando, FL. You have until October 13th, 2012 to order your Social Media for REALTORS® product/claim your Reward in the REALTOR.org/Store.

Page 14

NEWS YOU CAN USE value of 100 represents the same level of confidence for that year. The lowest index possible is a 2; the highest is 150.

© 2012 Florida Realtors®

U.S. home prices post first 12-month gain since ‘10 WASHINGTON (AP) – Aug. 28, 2012 – U.S. home prices rose in June from the same month last year, the first year‐over‐year increase since the summer of 2010. The increase is the latest evidence of a nascent recovery in the housing market.

The Standard & Poor’s/Case‐Shiller home price index released Tuesday showed a gain of 0.5 percent from June 2011.

The last time the year‐over‐year index increased was in September 2010. For much of that 12‐month period, the government was offering a home‐buying tax credit.

The report also showed that all 20 cities tracked by the index rose in June from May, the second consecutive time in which every city posted month‐over‐month gains. And all but two cities posted stronger gains in June than May.

Detroit, Minneapolis, Chicago and Atlanta recorded the big‐gest one‐month gains.

“The combined positive news coming from both monthly and annual rates of change in home prices bode well for the housing market,” said David Blitzer, chairman of the S&P’s index committee.

Jonathan Basile, an economist with Credit Suisse, said improving home prices should boost home sales further in the coming months.

“Persistent news of rising house prices should start convincing pro‐spective home sellers that it’s not just a buyers’ market,” Basile said. “And when Americans become more comfortable with selling their home, they also become more comfortable with buying another one.”

The S&P/Case‐Shiller monthly index covers roughly half of U.S. homes. It measures prices compared with those in January 2000 and creates a three‐month moving average. The June figures are the latest available.

The increases partly reflect the impact of seasonal buying. The month‐to‐month prices aren’t adjusted for seasonal factors.

Still, a measure of national prices rose for the third straight month. Home prices jumped nearly 7 percent in the April‐June quarter com‐pared to the previous quarter.

The housing market is making a modest but steady recovery in part because homes are more affordable: Mortgage rates have fallen to near‐record lows. Housing prices are about one‐third lower than at the peak of the housing bubble in 2006. Those trends have helped lift sales of both new and previously occupied homes.

Sales of previously occupied homes increased in July from June, the National Association of Realtors said last week. Sales have jumped 10 percent in the past year.

Builders are growing more confident after seeing more traffic from potential buyers. Last month they applied for the largest number of

UF: Fla. consumers more confident than most GAINESVILLE, Fla. – Aug. 29, 2012 – Florida’s August consumer confi‐dence level was 77, a figure unchanged since July, according to a monthly University of Florida survey.

“Floridians seem somewhat resilient in the face of the economic chal‐lenges facing the U.S. and Florida this coming January,” says Chris McCarty, director of UF’s Survey Research Center in the Bureau of Economic and Business Research. The “economic challenges” include current tax cuts and automatic spending cuts that automatically expire on Jan. 1 unless Congress and the president take action.

Of the five components researchers use to assess the economic mood of Floridians, two showed a boost in confidence. Respondents’ faith in U.S. economic conditions over the coming year rose one point to 76, while their optimism about the national economy over the next five years went up four points to 83.

Two other components, however, revealed a drop in confidence. Flo‐ridians’ overall perception that now is a good time to buy a big‐ticket item, such as an automobile or computer, declined two points to 80. In addition, their perception that they’re better off financially today than they were a year ago dipped by two points to 62. Meanwhile, their expectations that personal finances will improve a year from now stayed the same as July at 85.

The UF survey indicates that both the overall index and several of the components used in the survey are near post‐recession highs.

A steady stream of good economic news may be contributing to the sustained optimism. “Although (housing) prices are 40 percent lower than their peak value in 2006, prices are slowly moving up instead of down,” McCarty says.

The stock market also could be boosting confidence as it continues to hold onto recent gains with the Dow still up more than 5 percent for the year. Florida’s unemployment rate edged up in July by two‐tenths of a percent to 8.8, but employment gains have been more broadly based across the job market than previously. Though gas prices have risen since July, they are still 30 cents below their recent high of $3.85 for a gallon of regular gasoline.

“While consumers are optimistic compared to other post‐recession months, they are still pessimistic when compared to the entire history of the index,” McCarty said. For example, although current consumer confidence for Floridians is only a point below the post‐recession high of 78, it is far below what was considered normal prior to the Great Recession.

“In the 24 years of data prior to 2008 when confidence fell sharply, more than two‐thirds of those years were above 90,” McCarthy says. Only two were below 80, and they occurred during the recession of 1991 and 1992. In contrast, confidence levels in three of the years since 2008 have averaged below 70, and no month has been above 78.

“Our expectation is that consumer confidence will go a bit lower as the election approaches,” says McCarty. “A critical point will be the presi‐dential debates beginning in October. This may be the first opportu‐nity for Floridians to hear how the financial problems coming in Janu‐ary may be addressed.”

Conducted Aug. 12‐23, the UF study reflects the responses of 432 indi‐viduals who represent a demographic cross‐section of Florida. The index used by UF researchers is benchmarked to 1966, which means a

Page 15

NEWS YOU CAN USE building permits in nearly four years.

The housing market has a long way to go to reach a full recovery. Some economists forecast that sales of previously occupied homes will rise 8 percent this year to about 4.6 million. That’s still well below the 5.5 million annual sales pace that is considered healthy.

Sales have been held back by a low supply of homes on the market and tight credit standards, economists said. Many would‐be buyers are having trouble qualifying for loans or can’t afford larger down pay‐ments being required by banks. A Federal Reserve report last month showed that many banks tightened their mortgage credit standards this summer.

Still, the housing market is steadily improving and is poised to contrib‐ute to economic growth this year. Modest economic growth and job gains are encouraging more Americans to buy homes.

© 2012 The Associated Press, Martin Crutsinger, AP economics writer.

FREC: Fla. licensees should take care in short sales ORLANDO, Fla. – Aug. 28, 2012 – The Florida Real Estate Commission (FREC) met last week in Orlando and spent time discussing short sale transactions and real estate licensees’ role in the process, with an eye toward the potential impact of loss mitigation on real estate licensees.

During the discussion, FREC commissioners and industry representa‐tives looked at the various issues that can arise during a short sale transaction. Collectively, they seemed to agree that real estate licen‐sees are an essential part of the short sale transaction.

Many times, however, a short sale involves legal issues not found in non‐short‐sale transactions. Acknowledging that fact, the commission‐ers agreed that licensees should always take preventive steps so that they don’t cross a line and get involved in the unlicensed practice of law.

“Real estate licensees are the focal point of all transactions,” says Flor‐ida Realtors’ Vice President and General Counsel Margy Grant. “However, they cannot assist a client with some aspects of a short sale transaction, such as providing a legal opinion regarding the contents of a short sale approval letter, or even whether a short sale is the right decision for a particular client.”

Grant suggests diligence on the part of licensees. “They need to com‐municate to clients that there are some aspects of a short‐sale trans‐

action that could require a lawyer,” she says.

© 2012 Florida Realtors®

Foreclosure impacts one in four home sales WASHINGTON – Aug. 30, 2012 – Nearly a quarter of all U.S. home sales involved a property in some stage of foreclosure in the second quar‐ter, real estate firm RealtyTrac said Thursday.

RealtyTrac, which monitors properties in foreclosure, said 23 percent of homes sold in the second quarter were either bank‐owned or in‐volved in the foreclosure process.

While the housing market shows some signs of strength with prices rising, the percentage of home sales that include properties involved in foreclosure has risen from 22 percent in the first quarter and from 19 percent in the second quarter of 2011.

However, the number of sales involving foreclosures dropped to 224,429 April through June, down 12 percent from the January through May period and down 22 percent from the second quarter of 2011.

With the tighter supply, prices are rising. The average sales price in the second quarter for a foreclosure‐related property was $170,040, a 6 percent increase from the first quarter and a 7 percent climb from the same period a year earlier.

The decline in the total number of foreclosure‐related sales paved the way for the first annual decrease after five consecutive quarters with year‐to‐year increases. The average price increase, meanwhile, was the first such gain since the second quarter of 2010 and the largest average price gain since October through December of 2006, Realty‐Trac said.

“The second quarter sales numbers provide solid statistical evidence of what we’ve been hearing … from real estate agents, buyers and inves‐tors over the past few months: There is a limited supply of available foreclosure inventory to choose from in many markets,” said Daren Blomquist, RealtyTrac vice president.

Reviewing the data state by state showed 43 percent of all residential property sales in Georgia and Nevada in the second quarter involved property in some stage of foreclosure.

California had the third largest percentage at 40 percent of all residen‐tial sales.

Nine other states saw foreclosure‐related sales that were at least at 20 percent of all residential sales.

Data showed at least one in five sales in Florida and Oregon (21 per‐cent of all sales), Minnesota, Wisconsin and Colorado (22 percent), New Hampshire (24 percent), Illinois (27 percent), Arizona (33 percent) and Michigan (35 percent) included properties in some stage of fore‐closure, RealtyTrac said.

© 2012 Florida Realtors®

Page 16

What is TigerLead?

TigerLead is a technology company that provides real estate

professionals a powerful solution for capturing, cultivating, and

managing buyer and seller leads. This unique platform provides

a potent closed‐cycle system that combines strong Search En‐

gine Marketing (SEM) expertise with a sophisticated IDX plat‐

form and lead management system to help agents generate

qualified leads that keep coming back. Additionally, the Tiger‐

Lead platform delivers deep insights into a consumer’s “DNA” –

insights like how many times a user has returned to the site to

search, price ranges and amount of times homes are viewed.

These insights and analytical data can help real estate profes‐

sionals take that next step in enhancing relationships and con‐

nections by delivering them a deep understanding of consumer

wants and needs. For team leaders and brokers, the TigerLead

system provides an enterprise‐class lead management system

that helps them manage their team and have 24/7 visibility into

the entire team’s lead follow up performance.

Why did MOVE acquire TigerLead?

MOVE has long been the online leader in the real estate space,

and bringing TigerLead into the MOVE family is an acquisition

that makes perfect sense. This acquisition now enables MOVE to

have the single BEST suite of solutions that help consumers con‐

nect with properties and local agents that can help, while deliv‐

ering agents a complete set of productivity tools that let them

manage their business from initial lead‐gen all the way to closing

– and beyond:

REALTOR.com® Real Estate’s most accurate online and mo‐

bile destination used by serious consumers.

ListHub Real estate’s largest network for responsible listing

distribution, with more than 47,000 brokerage partners,

430+ MLS partners and over 125 total publishers.

Top Producer CRM The intelligent CRM that helps agents

stay in touch with prospects and clients with meaningful,

personal communication all the way to closing and beyond.

TigerLead Generate, capture, cultivate, and manage buyer

and home seller leads, and gain deep insights into consumer

“DNA” with industry‐leading analytics.

How will this impact existing TigerLead customers?

TigerLead has built a powerful platform that delivers real results,

and we intend to preserve the value provided by TigerLead to its

customers, increase the strengths of the product and continue

to respond to their needs in the same manner that has created

the bond of trust between TigerLead and their existing clients.

Additionally, because TigerLead is now part of the MOVE family,

there will tremen‐

dous opportunity to

enhance the existing

product using

MOVE’s industry‐

leading expertise in

traffic, consumer

engagement and

mobile – areas that

TigerLead’s custom‐

ers have expressed a

strong interest in.

Will TigerLead keep its identity?

A large part of what makes TigerLead special are the people of

TigerLead – and this core team is staying intact. The three co‐

founders, Howard Tager, Art Sawyer, and Adam Ingersoll will

remain at the helm and continue to run the TigerLead business

along with their experienced and talented management

team. Additionally, the existing technology, sales and client ser‐

vices teams will remain intact.

A product is only as good as the people that power it, and we’re

thrilled that the TigerLead team including Howard Tager, Art

Sawyer, and Adam Ingersoll is coming on board along with the

tremendous product that they’ve worked so hard to build.

Over the course of the following weeks and months, the MOVE

and TigerLead teams will work together to build out new func‐

tionality in both groups to continually improve our ability to ser‐

vice customer needs – and as we enhance and augment our

products, you’ll be able to follow all the action and see what’s

happening by logging on to www.MOVE.com or

www.TigerLead.com.

What does the future look like for MOVE and Tiger-Lead?

In a word: BRIGHT.

MOVE recognizes the need to help brokers and their agents cap‐

ture the complete cycle of a consumer’s home buying and selling

experience. The acquisition of TigerLead provides an essential

element – an element that can help brokers and agents expand

how they connect and collaborate with today’s online and mo‐

bile consumers. We’re extremely excited about this acquisition,

and couldn’t have found a better partner to work with than all

the folks on the TigerLead team.

Move Inc. has Acquired TigerLead

Page 17

Open House Tour Schedule

Map Area Tour Date Cut‐off is 5PM

on:

I 7 9/11/12 9/7/12

G 8 9/18/12 9/14/12

R, S 14 9/25/12 9/21/12

Q, T 14, 16 10/2/12 9/28/12

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

MLXchange Technical Support (7 days a week)

1‐888‐825‐5472

Access FUSION from any browser that supports Flash! (PC

and MAC) Click here:

http://ramc.fusionmls.com

For mobile devices you can use Kurio:

http://martincounty.kurio.com

*Indicates deadline has been moved up due to a holiday

Ask the MLS Director

Q: How do I change my password for MLXchange?

A: Changing your password is actually quite easy, and should be

done on a regular basis to ensure security to your MLS account.

In order to change your password, first log in to MLXchange us‐

ing your existing credentials. Once you are in the system and at

the homepage dashboard, in the upper right hand corner click

on the word “Settings”, then click on “Personalize” and finally

“Change Password”. Once you are on the Change password

page, enter in your current password and then type the new

password that you want to use. You will have to type it twice to

confirm it. While you are in this screen, it is also a good idea to

select your security questions so that if you forget your pass‐

word, you can reset it using the link on the login screen. Once

you’re finished, be sure to click the “Save” button in the bottom

right. Remember your new password the next time you log in!

How Do I Create Mailing Labels in Realist?

The property Search Results Grid is integrated with an Avery mailing label template, so you can go from the grid directly to printing labels for a mass mailing. One valuable use for this is to target neighbors when you’ve made a sale in a neighborhood. Run a search to find all houses in that neighborhood (or draw it on the Map), and then generate labels and send a mailing pro‐moting your proven success in selling in their area.

To create mailing labels…

Run a search to find the properties for which you want to print mailing labels

On the Search Results Grid, make sure all the properties you want to include are selected

Click Create Labels button

The Labels window will open, then select the type of Avery label you will be using. Note that Avery 5161 and 5162 sup‐port the use of USPS Bar Codes. If you’d like to include the bar code, select the check box beneath the type of label you are using

Select whether you’d like to use Mixed Case or All Capital Letters in the labels

Select whether to use the Tax Billing address or the Prop‐erty address. For example, if you are mailing to locate prop‐erty owners in a rental area of condominiums, you’d likely want to use the Tax Billing address so the mailing goes to the property owner rather than the renter. TIP: Select Cre‐ate Custom Label to add “or Current Resident” and other greetings to the mailing address

Review your Export Status to ensure you will have enough remaining exports to cover the labels. If not, you can use up your remaining exports. Click the Use all remaining to ex‐port a portion of the records check box.

Select Print Range if you would like to create labels for a subset of your search results. You may enter the starting row number and the ending row number (range) to include these in the labels.

Click Print. A RTF file containing the mailing labels is cre‐ated. Save this file to a known location on your computer or print from within the RTF viewer to send them to your printer.

Add the Avery labels to your printer, and print the RTF file

JULY 2012

Page 18

Price Range 0-2 3 4+12 Total

Units

11 Total

Units2012 2011 Price Range

12 Total

Units

11 Total

Units2012 2011

<$99,999 11 9 2 22 38 165 188 <$99,999 26 23 155 163

$100 - $199,999 16 38 5 59 37 263 304 $100 - $199,999 21 10 170 196

$200 - $299,999 3 18 15 36 21 176 226 $200 - $299,999 7 4 111 139

$300 - $399,999 1 7 10 18 15 137 194 $300 - $399,999 2 1 57 66

$400 - $499,999 0 2 6 8 7 80 103 $400 - $499,999 1 0 22 25

$500 - $599,999 0 2 2 4 5 47 53 $500 - $599,999 0 0 11 13

$600 - $699,999 0 0 1 1 1 35 36 $600 - $699,999 0 0 4 3

$700 - $799,999 0 0 1 1 1 35 36 $700 - $799,999 0 0 4 3

$800 - $899,999 0 0 0 0 2 28 18 $800 - $899,999 0 1 7 4

$900 - $999,999 0 0 0 0 0 17 22 $900 - $999,999 0 0 4 6

$1 - $1,499,999 0 2 0 2 1 39 40 $1 - $1,499,999 0 0 11 12

$1.5 - $1,749,999 0 1 0 1 0 10 14 $1.5 - $1,749,999 0 0 0 0

$1.75 - $1,999,999 0 0 0 0 2 14 14 $1.75 - $1,999,999 0 0 1 0

$2 - $2,499,999 0 0 0 0 0 13 20 $2 - $2,499,999 0 0 0 2

$2.5 - $2,999,999 0 0 1 1 0 16 8 $2.5 - $2,999,999 0 0 0 0

$3 - $3,499,999 0 0 0 0 0 9 6 $3 - $3,499,999 0 0 0 0

$3.5 - $3,999,999 0 0 0 0 0 5 7 $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 0 0 0 0 0 10 4 >$5,000,000 0 0 0 0

Total Units 31 80 44 155 135 1,132 1,327 Total Units 57 39 571 652

Avg Price 128,303 246,780 385,775 262,541 252,404 553,843 475,851 Avg Price 129,431 121,637 243,064 254,300

Med Price 125,000 176,000 309,950 185,000 169,900 280,000 284,950 Med Price 124,000 80,000 185,000 185,000

Total Val 3,977,400 19,742,400 16,974,111 40,693,911 34,074,564 627,504,072 631,930,389 Total Val 7,377,588 4,743,834 138,789,279 165,803,726

Residential Condominium

Sold by # of Bedrooms Inventories Sold Inventories

Type 2012 2011 2012 2011 Type 2012 2011

Assum 0 0 7.30 9.83 Assum 0 0Cash 67 70 Cash 47 33Conv 65 44 Conv 9 6FHA 16 11 FHA 0 0VA 5 1 VA 0 0

Seller 0 4 2012 2011 Seller 0 0Other 2 5 10.02 16.72 Other 1 0

DOM 2012 2011 DOM 2012 20111-30 45 42 1-30 10 10

31-60 21 17 31-60 7 561-90 23 11 61-90 14 4

91-120 14 14 91-120 8 6121+ 49 51 121+ 18 14

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 19

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

September 2012 MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

3

RAMC CLOSED

Labor Day

4

8:30am—Res. Marketing, Area 7 Map H

5 6

9am—Basic MLS

1:30pm—Intermediate MLS

7

10 11

8:30am—Res. Marketing, Area 7 Map I

12 13

9am—Code of Ethics 1pm—Core Law

14

1pm—Code of Ethics Webinar

17 18

8:30am—Res. Marketing, Area 8 Map G

19 20 21

9am—B‐fast Club “Photography—It’s more than just point & shoot”

24 25

8:30am—Res. Marketing, Area 14 Maps R & S

26 27 28

11:45am—Annual Installation & Awards Luncheon at Mari‐ner Sands

NOTICE SOME RESTRICTIONS MAY APPLY. RATES AND PROGRAMS SUBJECT TO CHANGE. SUBJECT TO CREDIT APPROVAL.

Helen Dempsey

VP/Residential Lending Mgr.

Direct: 772-426-8119 Cell: 772-216-6112

Email: hdempsey@gsbb.com

Paul Patten Residential Loan Officer

Direct: 772-426-8173 Cell: 772-631-3019 Email: ppatten@gsbb.com

Residential Loans to fit Your needs...

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561‐354‐4200