April - Education
Transcription
April - Education
APRIL 2008 20th Anniversary LIBOR Education Conference & Trade Show PRESORTED STANDARD U.S. POSTAGE PAID LIC NY 11101 PERMIT NO. 808 See Details on Pages 16-17. CIRCULATION 26,000 The Voice for Real Estate™ OFFICIAL PUBLICATION OF THE LONG ISLAND BOARD OF REALTORS, INC. www.mlsli.com™ LIBOR TO HOST FAIR HOUSING & L CULTURAL DIVERSITY PROGRAM IBOR Members and REALTORS across the country are celebrating the 40th anniversary of the Fair Housing Act by hosting events throughout the month of April. Please join us on Tuesday, April 29th at the Coral House in Baldwin for LIBOR’s wonderful program — Fair Housing & Cultural Diversity — A Winning Combination for All. This program features CIPS 2007 Instructor of the Year, Marcus Wally. This was approved for 3.5 NYS CE Credits and satisfies 3 hours of fair housing training as required by the DOS for those renewing their license after July 1, 2008. During this event — you will learn what everyone should know about fair housing and cultural diversity including when and how a customer may encounter discrimination; learn how to reduce fair housing law liability; cultural mistakes that can be avoided and much more. To register online go to: www.mlsli.com/libor/fh FHA LOAN LIMIT INCREASES WILL HELP ACHIEVE THE DREAM OF HOMEOWNERSHIP The temporary limit in Nassau, Suffolk & Queens is now $729,750 The Long Island Board of REALTORS®, Inc. (LIBOR) lauds the recent FHA loan limit increases as part of the economic stimulus package that President Bush recently signed into law. “Increasing the loan limits for Fannie Mae and Freddie Mac will bolster the housing finance market, which continues to be severely stressed, by providing an immediate infusion of much needed liquidity to the nation’s mortgage market,” said Mohsen Zandieh, President of LIBOR. “This package will help the many families that need mortgage options, whether they are purchasing or refinancing to keep their homes,” he continued. The U.S. Department of Housing and Urban Development published the new FHA and conforming loan limits, based on median home prices as mandated by the Economic Stimulus Act signed by President Bush in February. New loan limits for FHA and Fannie Mae and Freddie Mac are now calculated at 125 percent of the HUD published median prices, with a floor of $271,050 and $417,000, respectively, not to exceed $729,750. The temporary limit in Nassau, Suffolk & Queens is now $729,750. Additionally, the increased loan limits will help many residents in our area achieve the dream of homeownership and will allow many more homeowners to refinance and potentially keep their homes in this challenging market. 2 ● April 2008 ● THE REALTOR® WHAT WILL INSPIRE YOU TO ACHIEVE GREATNESS? Personal growth? Financial success? At Prudential Douglas Elliman Real Estate you’ll be surrounded by the inspiration needed to achieve personal greatness. We’ll give you the best tools to get the best results – and that’s what makes us the New York metropolitan area’s top real estate firm. Are you ready to achieve greatness? Contact us, we’ll supply the inspiration. Call 631.425.5772. All inquiries confidential. www.prudentialelliman.com/careers © 2008 Prudential and are registered service marks of The Prudential Insurance Company of America. ! d e r i p s Be In Equal Housing Opportunity. Each Company Independently Owned and Operated. Nassau County Executive Thomas Suozzi has been appointed by former Governor Spitzer in January to Chair the New York State Commission on Property Tax Relief. The Commission has seven members and is charged with examining the fundamental causes of The State of New York’s high property tax burden including the expenditures of local governments and school districts. “New Yorkers pay the highest property taxes in the nation, a burden our residents and businesses can no longer bear. We need to take a comprehensive look at the root causes and recommend ways to reduce them” said Joseph Mottola Named to Long Island Top 50 Power List The Long Island Board of REALTORS and the Multiple Listing Service of Long Island is proud to announce that CEO Joseph Mottola has been named to this year's Annual Long Island Press Power List. Each year, the Press Power List committee begins to debate the merits of what power means as they examine lots of applications from well deserving individuals. E-mails pour in and the phones ring off the hook. The Long Island Press says, “In truth, most of the people who are pitched to the committee by a third party are not chosen for the list.” The Press only selects 50 individuals for this honor. Most power players that make the list need no introduction. Pictured here alongside Joe is Suffolk County Executive Steve Levy (on the left) who was ranked #1 on this year's Power list. Levy was choosen for helping Suffolk County clean up its act, both fiscally and envir o n m e n t a l l y, conserving energy consumption, cutting taxes, preserving land and reducing the enormous county deficit. Mottola received his nomination for his work in serving the real estate industry for the past 35 years. As the CEO of the Long Island Board of Realtors (LIBOR), he is recognized for his leadership over the largest local Realtor association in the country. He is also the CEO of the LIBOR subsidiary Multiple Listing Service of Long Island that ranks amongst the top ten MLS’s in the country. When asked how he felt about receiving this nomination Joe said, “It’s obviously quite an honor but essentially is a recognition of the influence of our Board of Realtors and Multiple Listing Service in the overall marketplace.” IN THE NEWS APRIL IS FAIR HOUSING MONTH The Long Island Board of REALTORS helped sponsor another new Habitat for Humanity house that is currently under constructing on Wilson Place in Roosevelt. Through the “We’re More Than Realtors” Campaign, LIBOR donated $10,000 that was earmarked for the construction of this house in 2007, but do to unforeseen delays, the ceremonial “Wall Raising” did not take place until Saturday, March 29th. Realtor Volunteer Peter Caruso,(center) and his wife Marian, pictured directly to his right, joined dozens of other volunteers that gave of themselves that day to help build a new home for Frances Brown and her two children. Realtors® all year long. The campaign is getting a new look this year. As posters and campaign materials become available, they will be distributed to all offices and will be made available through all the Realtor Service Centers. Watch for details in the next issue of the Realtor® paper. Chair Thomas Suozzi. The Commission has been holding hearings throughout New York State and the first and only Long Island Hearing was held on March 5th at the Suffolk County Legislature Building. Many prominent local officials testified concerning the impact that high property taxes have on people living here on Long Island: forcing seniors out of their homes, driving the young people out of our state, and discouraging the formation and expansion of many local businesses. Nassau County Tax Assessor Harvey Levinson said, “The assessed value of a home is not an indicator of a family’s ability to pay school taxes.” The hearing brought about many suggestions about possible reform to the tax structure. E.J. McMahon, from the Manhattan Institute, suggested a property tax proposal similar to one that Massachusetts voters approved in 1980. Under the Massachusetts system, taxes would be capped at 2.5% of property values and limit annual increases to 2.5%. Another proposal was offered by Martin Cantor of Dowling College, which is similar to that of Senator Dean Skelos’ proposal. Here, the school districts would be consolidated into four regional districts and the state would also take over salaries and benefits of teachers. Senator Skelos’ proposal would call for making all new school teachers State employees. School taxes make up approximately 60% of property tax bills. In his State of the County address, Suozzi has called for a countywide agency to run school business operations which has been performed up to now by the county’s 56 independent school districts. The Property Tax Commission has until May 15, 2008 to issue an interim report stating the Commission’s recommendations with respect to a statutory school property tax cap, and a final report no later than December 1, 2008, setting forth its findings and conclusions and making its final recommendations. Celebrating the 40th Anniversary of the Fair Housing Act, LIBOR embraces the country’s racial and ethnic diversity and strives to make the benefits of real property ownership available to all . . . . P1 FHA LOAN LIMIT INCREASE TO HELP ACHIEVE THE DREAM OF HOMEOWNERSHIP The temporary limit in Nassau, Suffolk & Queens is now $729,750 . . . . . . . . . . . . . . . . . P1 2008 LIBOR PR CAMPAIGN KICKS OFF Aiming to create a positive image of Realtors® by raising the public’s awareness about what Professional Realtors® are doing for buyers and sellers in their community . . . . . P3 SPECIAL FEATURES 20TH ANNUAL LIBOR EDUCATION CONFERENCE AND TRADE EXPO That was then…THIS IS NOW! Real Change Requires R e a l t o r ® Change…Save by registering early for this signature event . . . . . . . . . . . P16-17 For our 20th anniversary, we’re offering conference pricing of 20 years ago – Realtors pay only $59! MLS NEWS New Stratus License Agreement & Major Change in New Rental Listing Agreement. Check them out on . . . . . . . . . . . . . . . . . . . . P18 President’s Message . . . . . . . . P4 From Where I Sit . . . . . . . . . . . P6 WCR . . . . . . . . . . . . . . . . . . . . P8 LIBOR News. . . . . . . . . . . P9-13 MLS News . . . . . . . . . . . . . . P18 Technology . . . . . . . . . . . . . . P20 This & That . . . . . . . . . . . . . . P22 RPAC . . . . . . . . . . . . . . . . . . P24 Legal/Governmental Updates . P25 Ethics This Month . . . . . . . . . P26 Cultural Diversity: Our Future . . P27 Education. . . . . . . . . . . . P28-29 Services Directory . . . . . . . . P30 THE REALTOR® By Meredith E. Dulberg Legislative Liaison www.mlsli.com™ ● Suozzi Holds Property Tax Hearing on Long Island April 2008 PR Committee Mission Statement: To improve the perception of Long Island Realtors® by promoting a positive and professional image of our members to the public. Our aim is to create a positive image of Realtors® by raising the public’s awareness about what Professional Realtors® are doing for buyers and sellers and their community. This year, the Long Island Board of REALTORS, Inc. Public Relations Committee will continue branding the “We’re More Than Realtors®” campaign that was set into motion back in 2006 and since that time has continued to gain momentum as it receives more and more publicity. Recognizing the importance of branding, the PR Committee has decided to continue branding the concept that Realtors® are more than Realtors® and for 2008, has added the tag line —“Professionals working for you and your community” to reinforce the fact that Realtors® are professionals. The campaign will have a three pronged approach to creating a positive image by focusing on charity work and community service, housing and political advocacy efforts, and professionalism. Joe Sinnona, Committee Chairperson says, “I am pleased to report that the committee has developed an effective campaign that takes us to a new level. The committee worked to put together a campaign that includes pieces from the past two years that were deemed successful, and then added a new dimension to the program that further promotes our role as real estate professionals. I believe this campaign will help us meet our goal of improving the public’s perception of Realtors® in Nassau, Suffolk, and Queens.” This year’s public relations campaign includes donations to Rebuilding Together Long Island, the Hagedorn Community Center, and the New York City Housing Partnership Home Maintenance Program. It also includes the continuation of several Realtor® sponsored college scholarships that are awarded to students at Hofstra University, Dowling College and Queens College. Additionally, money has been allocated to go toward strengthening LIBOR’s affiliation with other organizations such as the Long Island Association, the Long Island Housing Partnership and the Long Island Builders Institute. LIBOR will be sponsoring several major Long Island events that are scheduled to take place over the course of this calendar year. The Committee also approved continuing the Realtor® Spirit Award Program, and will once again promote the month of December as Realtor® Spirit Month. TV, radio and print ads will appear at the end of this year that will showcase the efforts of Nassau County Habitat for Humanity Raises Walls on Roosevelt House ● By Tricia Chirco Marketing & Communications Director 3 2008 PR Campaign Promotes Professionalism, Goodwill and Housing Advocacy 4 ● April 2008 Official Publication Of The THE REALTOR® ● LONG ISLAND BOARD OF REALTORS®, INC. The Long Island Board of REALTORS® is a non-profit organization formed for REALTORS® for the betterment of their communities, their profession, and their livelihood. LONG ISLAND BOARD OF REALTORS®, INC. 2008 OFFICERS PRESIDENT Mohsen Zandieh PRESIDENT-ELECT Buddy Hoosein VICE PRESIDENT-NASSAU The REALTOR® is published by the Long Island Board of REALTORS®, located at 300 Sunrise Highway, West Babylon, NY 11704, and is published monthly, except for combined issues in January/February and July/August. Application to mail at periodicals postage rate is pending at Babylon, New York. Kathy Engel VICE PRESIDENT-SUFFOLK Mary Alice Ruppert VICE PRESIDENT-QUEENS Moses Seuram TREASURER Donald Scanlon SECRETARY Liz English CHIEF EXECUTIVE OFFICER PUBLISHER EDITOR POSTMASTER: Please send address changes to: The REALTOR® 300 Sunrise Highway West Babylon, NY 11704 Joseph E. Mottola Joseph E. Mottola Patricia Chirco EDITOR’S ASSISTANT Christina DeFalco The REALTOR® and its publisher, The Long Island Board of REALTORS®, in accepting advertisement in this publication, make no independent investigation concerning the services or products advertised, and they neither endorse nor recommend the same nor do they assume any liability thereof. PRODUCTION, PRINTING & ADVERTISING DSI Design Group 252 Sea Cliff Avenue, Sea Cliff, NY 11579 516-676-6089 • Fax 516-676-4769 Christopher Meadows, President REALTOR® is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict code of ethics. ADVERTISING SALES Christopher Meadows • 516-676-6089 CONTRIBUTORS Mohsen Zandieh, President, LIBOR Howard Goldson, Esq., Goldson, Nolan, Connolly, Nasis & Dornfeld, P.C. LONG ISLAND BOARD OF REALTORS®, INC. 300 Sunrise Highway West Babylon, NY 11704 (631) 661-4800 • (718) 739-8700 Website: www.mlsli.com™ Email: pr@mlsli.com™ Barbara Ford, President, MLS Randy L. Kaplan, Director Government Affairs Matthew Arnold, RPAC Co-Chairperson Valerie Van Cleef, WCR President Tony Smith, Chairperson, Professional Standards Committee INSURANCEPlus H E A LT H I N S U R A N C E for Small Business & the Self-Employed Rose Gagliardi is an insurance broker with over 20 years experience, servicing the tri-state area. Rose specializes in Health, Dental, Life, Long Term Care, Medicare Supplements & Disability Insurance. Rose and her staff are committed to providing the utmost personal attention and maximum client servicing. Endorsed by the REAL ESTATE BOARD OF NEW YORK for over 19 years RO S E G AG L I A R D I Broker 55 East Main Street • Oyster Bay, NY 11771 516.922.1200 • 212.268.4473 • Fax 516.922.2829 rginsuranceplus@aol.com • www.insuranceplusny.com PRESIDENT’S MESSAGE By Mohsen Zandieh, LIBOR President Navigating the Right Course As we all know, real estate is ultimately a local issue and even though financial difficulties have engulfed Wall Street, our service area will weather this storm. One needs to keep in mind that the benefits of property ownership surpass almost all forms of investments. Capital appreciation, tax right-offs on mortgage interest payments, comfort, dignity and the security that a home offers its owners are a few benefits of ownership; in truth, there is no place like home. Our challenge is to get these points across to the public. I am please to report to you that the National Association of Realtors has taken the right steps to address these issues. It has earmarked a significant amount of member dues to meet this challenge. NAR has launched a program called “Surround Sound” with a $2,500,000 commitment to assist the local boards in dealing with the media in their service area. NAR provides advice and assistance in working with local media in an effort to get reliable and accurate information to the news outlets. The National Association of Realtors is launching a major commercial campaign throughout the country. The fund associated with this campaign is $40,000,000. These commercials focus on two themes: “Buy Now” and “The Time is Right”. Another significant effort by NAR is the national syndication of two hours of “Talk Shows” where the public is being engaged the entire buying and selling process. As part of the same venue, NAR is developing a 30 minutes weekend cable TV program with the helpful tips for the public. LIBOR’s Public Relation Committee along with its capable staff, in coordination with NAR “Surround Sound” campaign, has entered into an agreement with Newsday to run our customized NAR advertisements in a quarter, half and full page size at no cost to our membership. These advertisements emphasize the importance of homeownership in creating long term wealth as a mean of capital appreciation. The message is very clear; with knowledge, hard work, dedication and the application of professionalism, the ship is navigating the right course and together we will succeed as a united cohesive force. This ad is a sample of one of the complimentary ads that NEWSDAY will begin running in the paper in the coming weeks. 5 ● April 2008 D! NEW VE O R IMP E TH ● “THE KEYSTONE GUARANTEE” Keystone Realty U.S.A. Will Beat ANY Deal By ANY Broker in New York IF YOU LEAVE KEYSTONE FOR ANY REASON, WE WILL IMMEDIATELY RELEASE YOUR LISTINGS TO YOUR NEW BROKER AND ALL CLAIMS BY KEYSTONE WILL BE RELINQUISHED. NEW! FREE! Membership to www.eshowings.com Virtual Secretary, All Showings appointments & feedback done for You ($800/month value) NEW! FREE! Advertising discount membership up to 30% discount on Newsday and other print ads. • FREE! Buyer and Seller Leads • FREE! Foreclosure Membership (a $600 value) • FREE! Virtual tours on photowalk.com (a $300 value) • FREE! Elite top placement on Google, Yahoo, for search “Long Island Real Estate” (approx. value priceless) • FREE! FSBO leads for Nassau, Suffolk & Queens (a $1,000 value) • FREE! Use of Beautiful A-Rated Offices. Queens Branch coming soon. NEW! FREE! Enhanced Listing marketing system - sell your listing in 1/2 the time! (Ask us about it!) NEW! FREE! Training, including monthly teleconference calls, All day Real Estate workshop and step by step online training system (approx. value priceless) • FREE! Advertising on Cablevision IO Homes Channel #606 ($1,000/month value) • FREE! Internet advertising to dozens of web portals that include, Yahoo, Excite, Ask Jeeves, etc (approx a $300/month value) • FREE! Exclusive advertising and marketing on Long Island Exchange.com ($400/month value) • FREE! Exclusive advertising on WannaNetwork.com (a $2,400 value) • FREE! Personal Website for Agents (save thousands) • FREE! Personalized 800 phone number (a $20 value) Additional Services and Policies Include: • Mortgage compensation • No minimum production requirements • Branch offices welcome • Substantial Agent Referral Programs and Bonuses • We will even pay your LIBOR dues, ask us how • Work Part-Time/Full-Time (create your own hours) • Members of REBNY, OLR (Manhattan Real Estate) • Members of Westchester-Putnam MLS and LIBOR We Have Agents From Manhattan to Montauk – Over 200 Agents and Counting!! ATTENTION REAL ESTATE AGENTS! GET A 50% PAYOUT ON YOUR MORTGAGE BUSINESS Call for information Direct: (516) 639-6257 (800) 390-8083 E-mail: keystonerealty1@aol.com Check us out on the World Wide Web at: www.joinkeystone.com THE REALTOR® 100% Payout Only $35 Monthly Fee 6 ● April 2008 ● THE REALTOR® LIBOR NEWS THE LONG ISLAND BOARD OF REALTORS., INC. FROM WHERE I SIT By Joseph E. Mottola, Chief Executive Officer EXECUTIVE PLANNER 9:00am — REALTOR BUILDING, West Babylon — 2nd floor Conference Room. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350. LIBOR Unites with Builders and Developers to Form Coalition By Randy L. Kaplan Director of Government Affairs Four of Long Island’s professional real estate groups have joined forces to create a new coalition to affect public policy. The Long Island Real Estate Organization (LIREO), which is comprised of LIBOR, the Long Island Builder’s Institute (LIBI), the Commercial Industrial Brokers Society (CIBS) and the Association for a Better Long Island’s developers (ABLI), will work in unison to foster much needed change in our region. Among the many goals of this organization will be to focus on the critical smart growth issues that affect all residents including: zoning; affordable and available housing as well as an ever-increasing tax base. All of which work towards making Long Island a viable place to live, work and retire. Newsday recently reported on this historic alignment of forces calling it an “unprecedented coalition.” The group’s first order of business has been to commission Dowling College to research the economic impact of open space on Long Island, its burden to the taxpayer, its role in shaping the redevelopment of existing commercial and residential properties and what the long-term implications are when property assessments and confiscatory property taxes continue to hobble the sensitive and healthy economic growth of the region. Members of this coalition previously worked together to defeat the Transfer Tax proposal in the Town of Brookhaven. We will keep you abreast of the coalition’s activities. Are You Registered to VOTE? Are you registered to vote? If not — you are doing a major disservice to your business interests and our industry! Contributing to RPAC is important — but our power to vote is even more vital! We need to show our legislators on all levels of government that REALTORS® truly have a voice. Legislators are well aware of voter registration numbers and REALTORS®, while numerous, in no way maximize their clout. Without your votes — our voice is feeble. If you are not registered — please do so ASAP by logging onto www.mlsli.com/ ro/legislative/vote.cfm Exercise your power today and vote! CENTRAL NASSAU CHAPTER www.libor.com/centralnassau APRIL 10 — Thursday LIBOR EXECUTIVE COMMITTEE Recently I was a speaker on a panel for mation, which results in a “knee jerk” the Annual Long Island Real Estate reaction. The correct impact on school Summit. The Summit was organized by districts is factually not what they hear. the Association for a Better Long Island The commercial development which will (ABLI) and included representatives enhance the tax base and lower their taxes falls on deaf ears. But homefrom ABLI: the LI Builder’s owners will complain about Institute; the Commercial and taxes; want them lowered; Industrial Brokers Society “Realistic zoning blame school districts and and LIBOR. Elements of will create townships and not deal with this group formed the opportunities for the fact that they are the reaCoalition which was successful in beating back the young people and son for the problem. The education of the public Brookhaven Transfer Tax. the elderly” as to realistic zoning that can The focus as always is create opportunities for what’s happening in the Long young people and the elderly Island market and how to meet the challenges facing Long Island to stay on Long Island is essential. This with a concentration on affordability; process is costly and practically speaking sound development to provide a better tax still has to be done on a case by case basis. base (which helps to reduce taxes) and We defeated the Brookhaven Transfer Tax rental housing. All of these issues are because a successful awareness campaign intertwined and it’s virtually impossible to was initiated and the residents who would work on only one of the challenges without be negatively affected by it understood the simultaneously having to deal with the oth- issue and showed up at public hearings ers. It’s for this reason that a comprehen- and got their voices heard. LIBOR will have to be part of these sive and cooperative approach is essential. Housing solutions for both owned and coalitions on an ongoing basis. Through rental units will inevitably require changes our local Realtors, we have unique ties to in Zoning to allow for greater density. the community. If we can, as Realtors, There are many “Smart Growth” develop- Residents and local Communicators, get ments around the country which demon- the accurate message out to the public and strate that you can creatively and aestheti- as a result get a significant turnout at pubcally achieve this. Zoning Boards have the lic hearings, we can make a difference in authority, but not the political will, because our municipalities. We can affect housing they perceive that their constituents don’t availability. We can reduce the number of illegal rentals. We can see tax advanwant it. And they may be right. But the “Not on My Block” (NIMBYs) tages arising from an increase in commerare not always dealing with accurate infor- cial development. We can effect Change! APPRAISAL DIVISION www.liborappraisals.com APRIL 10 — Thursday LIBOR/MLS ORIENTATION 8:30am — REALTOR SERVICE CENTER, West Babylon — Classroom B. Staff liaison: Debbie Franco @ LIBOR ext. 364. APRIL 11 — Friday NORTHEAST QUEENS CHAPTER 9:00am — Networking Breakfast Seminar — Adria Hotel & Conference Center, 221-17 Northern Blvd., Bayside. Guest speaker: Swaranjit Singh, CBR. “Cultural Diversity In Our Market”‰ Plus... Drawing for Free Virtual Tour! — Must be present to win. Cost: $13.00 prepaid, $15.00 at the door. RSVP: Dorylee Smith @ 718-819-4082. APRIL 11 — Friday NASSAU SOUTH SHORE CHAPTER Invites you to join us at a Realtor’s Charity DOO WOP SOCK HOP! Have Fun & Save a Child’s Life — proceeds to benefit the Jason F. Gruen Research Foundation. 7:00PM-11:00PM @ Bridgeview Yacht Club, 80 Waterfront Blvd., Island Park. “Risky Business‰ will be performing all night long. So dig out your poodle skirt & motorcycle jacket and bop till you drop! Cost: $65.00 per person includes cocktail hour, full dinner, open bar, ice cream soda bar, raffles & prizes! ’50s dress theme is encouraged. RSVP: Isa Stykes @ 516-377-6200. APRIL 15 — Tuesday CREDIT UNION BOARD OF DIRECTORS 10:00am — REALTOR SERVICE CENTER, West Babylon — Upper Classroom. Staff liaison: Luisa Harman @ LIBOR ext. 371. APRIL 17 — Thursday SUFFOLK NORTH SHORE CHAPTER 8:30AM-Registration/Networking, 9:00AMBreakfast/Program. The Meadow Club, 1147 Route 112, Port Jefferson Station. “Top Producer Panel‰ featuring: Carol Jemison * Georgia Westcott * Barbara Wanamaker * Lenny Simonetti * Thomas Tripodi. Cost is $25.00 prepaid, $30.00 at the door. RSVP: Sandi Bellucci @ @ 631941-3100 x6124. APRIL 22 — Tuesday LONG ISLAND COMMERCIAL NETWORK 8:00AM — Networking Breakfast & Marketing Session — On Parade Diner, 7980 Jericho Tpke., Woodbury. $15.00 LICN Members, $30.00 Non-members. For more information, call Gabor Karsai @ 516609-8100. Mark your calendars... next meeting: May 27, 2008. APRIL 24 — Thursday JAMAICA CENTRAL QUEENS CHAPTER 9:00am — Networking Breakfast — details to follow... For more information, call Audrey DeJesus @ 917-549-3825. APRIL 30 — Wednesday MLS BOARD OF DIRECTORS 9:30am — REALTOR SERVICE CENTER, 346 Sunrise Hwy., West Babylon — Classroom B. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350. EASTERN SUFFOLK CHAPTER www.libor.com/easternsuffolk HUNTINGTON TOWNSHIP CHAPTER www.libor.com/huntingtontownship JAMAICA CENTRAL QUEENS CHAPTER www.libor.com/jamaicacentralqueens LONG ISLAND COMMERCIAL NETWORK www.LICOMMERCIALNETWORK.org NASSAU NORTH SHORE CHAPTER www.libor.com/nassaunorthshore NASSAU SOUTHSHORE CHAPTER www.libor.com/nassausouthshore NORTHEAST QUEENS CHAPTER www.libor.com/northeastqueens SUFFOLK NORTH SHORE CHAPTER www.libor.com/suffolknorthshore SUFFOLK SOUTH SHORE CHAPTER www.libor.com/suffolksouthshore WESTERN QUEENS CHAPTER www.libor.com/westernqeens WOMEN’S COUNCIL OF REALTORS www.libor.com/wcr MAY 1 — Thursday WOMEN’S COUNCIL OF REALTORS 6:00PM Sponsor Service Provicder Fair — details to follow... For more information, call Valerie Van Cleef @ 516-922-8500. MAY 7 — Wednesday HUNTINGTON TOWNSHIP CHAPTER 5:00PM Cultural Arts Fundraiser — details to follow... For more information, call Peter Demidovich @ 631-499-0500. MAY 8 — Thursday LIBOR EXECUTIVE COMMITTEE 9:00am — REALTOR BUILDING, West Babylon — 2nd floor Conference Room. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350. MAY 13 — Tuesday SUFFOLK SOUTH SHORE CHAPTER 6:00PM-9:00PM Live Auction — “Project We Care‰ ...Realtors Supporting Local Troops Deployed Overseas & Their Families. Lily Flanagan’s Pub (formerly Barkers), 345 Deer Park Avenue, Babylon. All proceeds will go towards 2 local military battalions deployed overseas. Cocktail Party & Open Bar. Sponsors will be acknowledged. Cost: $40.00 prepaid, $45.00 at the door (space permitting). RSVP by MAY 10: Angela Charron @ 631-661-5100. MAY 12-17 NAR LEGISLATIVE MEETINGS — WASHINGTON, DC MAY 14-16 NAR MID-YEAR TRADE EXPO — WASHINGTON, DC MAY 14 — Wednesday NASSAU NORTH SHORE CHAPTER 9:00am Networking Breakfast Program — details to follow... For more information, call Sandi Lefkowitz @ 516-674-2000. MAY 20 — Tuesday CREDIT UNION BOARD OF DIRECTORS 10:00am — REALTOR SERVICE CENTER, West Babylon — Upper Classroom. Staff liaison: Luisa Harman @ LIBOR ext. 371. (Continued on page 13) MEETINGS & EVENTS: For all Special Events & Chapter information, call CONNIE AIELLO, LIBOR CHAPTER LIAISON @ 631-661-4800 ext. 361. All Chapter Meetings & Events are posted online on each chapter website. Go to www.libor.com/chaptermeetings.cfm. Chapter/Division meetings available on STRATUS — click on MLS/LIBOR EVENTS CALENDAR on the INFO CENTER PAGE. LIBOR MEMBERS ONLY MAY REGISTER & PREPAY ON-LINE LIBOR members only may register & prepay ON-LINE for chapter/division meetings & events! Go to: www.mlsli.com/chapterreg/meetings.asp. VISA, MASTERCARD, AMEX & DISCOVER accepted. NOTE: On-line registration CLOSED at 4:00PM on the previous business day before this event. 7 ● April 2008 ● THE REALTOR® 8 THE REALTOR® ● April 2008 ● LIBOR NEWS Long Island Chapter WCR-NewYorkState.com By Valerie Van Cleef, WCR President Mission of the Women’s Council of REALTORS: We are a community of real estate professionals creating business opportunities, developing skills for the future and achieving our individual potential for success. Thank you for helping to make our last meeting at the Westbury Manor in Westbury on April 3rd a terrific success. It featured Joe Meyer, and his topic of “How to Get Your Listings Sold Before They Get Old” was very timely indeed! WCR members enjoyed this workshop for free as a ‘perk’ for their membership. Our next meeting is another don’t miss, on Thursday, May 1st, from 6-8 p.m. at the Woodbury Country Club. Titled “Overcoming Transactional Roadblocks,” you will have the opportunity to meet with more than 25 different ancillary service providers that cooperate with brokers to help bring about a successful transaction. Contact Linda Rappaport at 718-423-3130 to register by phone, or go to: http://www.mlsli.com/chapterreg/meet ings.asp to register online. Members of the Governing Board and I will be attending the mid year WCR conferences in Washington, DC this May and #4GYCTFKPI 2CTVPGTUJKR look forward to sharing with you some new ideas and directions in my next column. Spring is here and gratefully, the market is in full swing. Remember to use your WCR referral directory when making buyer and seller referrals across the Island and nation. Please congratulate the following new members for joining the Women’s Council of Realtors: 1) Denise Aprigliano, Coldwell Banker Residential Brokerage 2) Madeline E. Dallek, Sheldon Good & Company 3) Jacqueline Fiore-Mosquin, Coach Realtors 4) Kevin Leatherman, Coldwell Banker Surf Realty 5) Susan O’Reilly, Coach Realtors 6) Debra Parisi, Daniel Gale Sotheby’s International Realty 7) Linda Petralia, Daniel Gale Sotheby’s International Realty 8) Jacqueline L. Richardson, Better Lifestyles 9) Patricia Russell, Coldwell Banker Residential Brokerage 10) Jayanthi Shivakumar, Daniel Gale Sotheby’s International Realty 11) Katherine Timms, Coach Realtors 12) Christine Jasinski, Herricks Realty WCR Dazzles the Crowd with a Power Women Panel Event "UUFOUJPO"MM4BMFT"HFOUT#SPLFST ", Ê/Ê-/ÊÎ¯Ê " Ê6,9Êt 8FBU1VMUF)PNFTBSFQSPVEPGOPUPOMZUIFRVBMJUZIPNFT UIBUXFEFMJWFSUPPVSIPNFCVZFSTCVUUIFSFMBUJPOTIJQTUIBU XFCVJMEXJUIUIFMPDBMSFBMFTUBUFTBMFTUFBNT 7JTJUVTBUÜÜÜ°«ÕÌi°VÉ}Ã>`BOECFDPNF GBNJMJBSXJUIPVSDPNNVOJUJFTPõFSFEBDSPTT-POH*TMBOE $POUBDUPVSTBMFTUFBNTEBJMZGSPN UPBOTXFSBOZPGZPVSRVFTUJPOT 7JTJUPVSNPEFMTBOEUPVSPVSDPNNVOJUJFTUPEBZ 8FMPPLGPSXBSEUPNFFUJOHZPV $PNNJTTJPOTBSFQBJEPOUIFmOBMTBMFTQSJDFPGUIFIPNF"HFOUNVTUBDDPNQBOZBOESFHJTUFS CVZFSPOCVZFSTmSTUWJTJUUPUIFDPNNVOJUZ$PNNJTTJPOQBJEBUUIFUJNFPGDMPTJOH"EEJUJPOBM SFTUSJDUJPOTNBZBQQMZ4FFTBMFTSFQSFTFOUBUJWFTGPSDPNQMFUFEFUBJMT 7*&8063-*45*/(40/.-450%": The Women’s Council of REALTORS held an outstanding networking luncheon on Friday March 7th at the Fox Hollow in Woodbury. The luncheon served as a once in a lifetime opportunity to hear the most successful women Realtors on LI discuss the secrets to their success. Pictured top from left to right are (standing) WCR President Elect Charlotte Van der Waag, WCR President Valerie Van Cleef, WCR Past President and mediator of the panel Marilyn Urso, CEO-Daniel Gale Sotheby's International Realty Pat Petersen, President and CEO of Zere Real Estate Services Marie Zere, (seated l-r) Broker/Owner of Realty Executives North Shore Linda Bonarelli, VP Operations of Prudential Douglas Elliman Peggy Doepper and Broker/Owner of Coach Realtors Georgiana Finn. 9 LIBOR NEWS Isa Stykes at 516-377-6200. The SUFFOLK SOUTH SHORE CHAPTER is having their Annual Fundraiser, PROJECT WE CARE — Realtors Supporting Local Troops Deployed Overseas and their Families; on Tuesday, May 13th at 6:00pm at Lily Flanagan's Pub in Babylon. COCKTAIL PARTY and OPEN BAR ~ *All proceeds will go towards 2 Local Military Battalions Deployed Overseas. Please RSVP to Angela Charron at 631-661-5100, by 5/10 ~ space is limited. The NASSAU SOUTH SHORE CHAPTER is having a “Realtors Charity Doo Wop Sock Hop” on Friday, April 11th at 7:00pm at the Bridgeview Yacht Club. Join us for a Realtor's Charity Event... Dig out your poodle skirt and motorcycle jacket and bop till you drop! Price ($65.00 per person) includes Cocktail Hour, Full Dinner, Ice Cream Soda Bar, Raffles & Prizes! '50s dress theme is encouraged. Have fun and save a child's life ~ proceeds to benefit the Jason F. Gruen Research Foundation. Featuring the music of “RISKY BUSINESS” all night long. Please RSVP to The Long Island Board of Realtors® Suffolk North Shore Chapter Presents 6th Annual Golf Classic To Benefit the Ronald McDonald House of Long Island The SUFFOLK NORTH SHORE CHAPTER is having their 6th Annual Golf Classic to benefit the Ronald McDonald House of Long Island on Monday July 7th at Nissequogue Golf and Country Club. It will be a day and night of fun festivities (see ad at right). FOR COMPLETE INFORMATION ON ALL MEETINGS, VISIT THE EXECUTIVE PLANNER ON PAGE 6. The Long Island Board of REALTORS® Nassau North Shore Chapter Presents Donation to Ronald McDonald House of LI Monday, July 7, 2008 At Nissequogue Golf & Country Club Moriches Road St. James, NY 11780 10:00 Registration, Putting Contest, Range Balls 12:00 Shot Gun Start (Modified Scramble) Lunch on patio prior to start LIBOR's Nassau North Shore Chapter presented a check to the Ronald McDonald House of Long Island in the amount of $6,150 on March 3rd at the Milleridge Inn; these funds were raised at their annual holiday cocktail party held in December. Pictured above are (l-r) Chapter President Sandi Lefkowitz, Chapter Past President Barbara Bucovetsky, RMH Executive Director Bob Weitzner and RMH Vice Chairman Joy Kastner. Earn a $75 l Fe e for each -+ My Magic Call Toll Free For information & RSVP please contact Nigel Rose at 631-974-6443 or nigelr@coachrealtors.com y client y We can help increase your prospect’s credit score by 100 points in as litt as 30 to 60 days. $Yec 6:30 Dinner (Benefits Auction) There are many sponsorship opportunities available! Don’t Lose a Good Client to Bad Credit. Refer your clients to us, and we’ll send you a $75 bonus for each signup! 5:30 Cocktail Hour (Silent Auction) 800-779-8086 The Ronald McDonald House of Long Island provides familes a home — away — from home... during their child’s treatment for a serious illness at local hospitals. THE REALTOR® As the old saying goes “charity begins at home” and LIBOR’s Chapters have taken that to heart in planning some of the upcoming events. These events are not only great opportunities to network and have fun but all are to support excellent causes in our community...don’t miss out! ● By Christina DeFalco Public Relations & Communications Specialist April 2008 CHAPTER & DIVISION EVENT COVERAGE ● THE LONG ISLAND BOARD OF REALTORS, INC. 10 ● April 2008 ● THE REALTOR® LIBOR NEWS THE LONG ISLAND BOARD OF REALTORS, INC. OUT EACH “We’re More Than REALTORS®...” Join in on the March for Babies March for Babies is the new name for the March of Dimes “WalkAmerica.” While the name has changed, the mission has not. The March of Dimes champions the needs of moms and babies in your community and across the nation. The money raised through March for Babies will support lifesaving research, community services, education and advocacy that help babies get a healthy start. Join Mike Bossy, Long Island Celebrity March for Babies 2008 Chairman and 2,500 Long Islanders on April 27th at Eisenhower Memorial Park and make a difference in the lives of millions of babies! Other Long Island locations are as follows: Hauppauge: Sunday, April 27 - Sheraton Long Island Hotel, Long Beach: Sunday, April 27 - Riverside Boulevard, Sag Harbor: Sunday, May 18 — Foster Memorial Beach. For more information call 516-496-2100 or go to http://www.marchforbabies.org/. The LI Council of Churches is Looking for Donations to Help Fill Empty Pantry Shelves Newsday ran an article on March 31, 2008 that highlighted a growing problem whereas some middle class working Long Islanders now have to turn to food pantries to help supplement their family’s food budget. The growing number of households seeking assistance from free resources such as the Long Island Council of Churches Food Pantries is creating a shortage of food and supplies on pantry shelves all across Long Island. As a result, donations of nonperishable food products and personal items such as toothpaste, shampoo, deodorant, and diapers, are now in dire need. After this story ran, a phone call was made on behalf of LIBOR to the organization’s manager, Carolyn Gumbs, so we could get details on how Long Island Realtors® could possibly help. Gumbs, who has worked at the Long Island Council of Churches location in Suffolk County for the past 29 years, said that any sort of donation would be appreciated at this time. She noted that in the month of February alone, the Riverhead location helped over 278 households which included 230 children, 319 Adults, and 58 Senior Citizens. Gumbs said the she unfortunately expects that number to grow as more and more households feel the pains of the rising cost of living. If you, or your office, are interested in making a donation to either one of the Long Island Council of Churches Food Pantries, here are the locations where donations are being accepted Monday — Friday between the hours of 10 a.m. and 4:30 p.m. Suffolk — 407 Osbourne Ave, Riverhead — Phone - 631-727-2210 Nassau — 450 N. Main Street, Freeport — Phone - 516-868-4989 Realtor® Magazine Seeks Entries for 2008 Good Neighbor Awards REALTOR® Magazine is seeking nominations for the ninth annual REALTOR® Magazine Good Neighbor Awards. The program recognizes REALTORS® who’ve made an outstanding commitment to community service. Five winners will be announced the November issue of REALTOR® Magazine and at the 2008 REALTORS® Conference & Expo in Orlando. The winners will receive, among other things, a $10,000 grant for their community cause, national publicity, travel expenses to the convention, and a crystal trophy. Eligible activities might include volunteer work involving affordable housing issues, educational programs, youth related activities, or anything else that makes a community a better place to live. Good Neighbor Award entries must be received by May 26, 2008. For more details and an entry form, go to http://www.REALTOR.org/realtormag and click on the Good Neighbor logo, call 800-874-6500. LIBOR Sponsors Home Maintenance Training and Repair Program The Housing Partnership, one of the nation’s largest producers of affordable housing, hosted a very special graduation ceremony on March 19, 2008 for the fifth graduating class of the free 8-week Home Maintenance Training and Repair program for low and moderate-income homeowners in Southeast Queens. Offered in partnership with Margert Community Corporation, the local non-profit housing agency, the program is funded by donations from several organizations including LIBOR. Pictured with the Home Program students is fellow RealtorsC Seibert Robinson (holding sign left) who attended the graduation ceremony as well. “THE BELLE MAISON REALTY(BMR) GUARANTEE” For only $29 per month, you keep 100% commission! And that’s not all you’ll get from Belle Maison. Free advertising on cable and online. Free use of our beautiful A-rated offices. Membership in our top foreclosure listing company, buyer and seller leads, and online training with step-by-step instruction on how to sell real estate. No other realty company gives their agents more than Belle Maison. Call today or log onto www.joinbmr.com BMR Call (516) 629-3100 Belle Maison Realty Real Estate & Property Management Toll Free: (888) 884-4050 990 Stewart Avenue Suite 660 • Garden City, NY 11530 Attention Real Estate Agents! GET FROM 50% TO 70% PAYOUT ON YOUR MORTGAGE BUSINESS. ASK US HOW! 11 LIBOR NEWS ● April 2008 Sentrilock Update simply do one of the following: 1) Upload your photo in Stratus through "Customize My Stratus" on the Stratus Info Center. 2) Email your photo to photos@mlsli.com. Include your name and member#. Note: The preferred photo size is 225x300 and must be in a jpg format. Larger photos will automatically be resized. ● THE REALTOR® A common question regarding SentriLock is how many agents have cards and how many Sentrilock lockboxes do they own. The answer is that 16,293 of the 24,168 Realtor members have a SentriCard Photo ID to access the lockboxes. This is 67% of the membership. 4313 SentriLock lockboxes are owned by LIBOR members and available for use. To obtain your free SentriCard Photo ID Huntington Town Supervisor Speaks With REALTORS® Huntington Town Supervisor Frank Petrone recently spoke with members of LIBOR about real-estate issues at an event at the Hamlet Golf and Country Club in Commack. Pictured are (l-r) Meredith Dulberg, LIBOR’s Legislative Liaison, Huntington Town Supervisor Frank Petrone, Mohsen Zandieh, LIBOR President and Gilbert Picard, LIBOR’s Legislative Chair. New York State Comptroller Thomas DiNapoli Meets with LIBOR Members New York State Comptroller Thomas DiNapoli, former NY State Assemblyman from Great Neck, recently met with LIBOR members at a legislative event on Long Island. Pictured, Mohsen Zandieh-LIBOR President, New York State Comptroller Thomas DiNapoli, Lee RothlederLIBOR Past President, Meredith Dulberg-LIBOR Legislative Liaison. WHY! S S Y C ARE YOU TILL PLITTING OUR OMMISSION? KEEP 100% OF YOUR COMMISSION LOUISA BORRIELLO (formerly of Coldwell Banker Beach West) I was quite reluctant to leave my previous company, because I was very concerned about the support I would be getting at Charles Rutenberg Realty. I was very wrong! All the resources I needed are at my disposal and help is just a phone call away. The office is conveniently located right off of the major highways, so I am able to stop in to the office whenever I feel the need. I have never worked harder in my life because I am now working for myself. Nothing is more motivating than the knowledge that I now keep everything that I earn. Call me: (516) 805-0318 THOMAS PRESTON (formerly of Exit Realty) They give 100 percent of the commissions to the agents; they also give 100 percent of themselves. The management and staff at Charles Rutenberg Realty Inc. have always been there to support me whenever it was needed. They do not compete with us but instead they help us to compete in a difficult market. I must admit that Charles Rutenberg has more than exceeded my expectations. I have found everything to be exactly as promised: plain, simple and honest. Call me: (917) 445-4160 Only $39.00 Monthly Fee and only $330.00 Transaction Fee after each closing. 10% Fee on Rentals “NO HIDDEN FEES” NONE! GLENDA MORAN (formerly of Century 21 American Homes) Coming to work for Charles Rutenberg Realty was the best decision of my career. I’m glad I had the courage to change my life. At first, like most of you, I was apprehensive. I thought it’s too good to be true. But, I’m living proof that this company lets me keep 100% of my commission, less $330 per transaction. The staff is courteous and knowledgeable. It’s a pleasure dealing with Pam and Joe Moshé. I love working with Charles Rutenberg Realty. Call me: (516) 967-6290 AURELIO GOODEN (formerly of Halmike Realty) In an industry that is filled with so many variables, it is good to know that truth and integrity are words and elements that are still very much alive. My association with Charles Rutenberg Realty, Inc. has been precisely that. They provide you with ample support and guidance. What they say is exactly what they mean and there are no variations to it. You have two choices: Keep doing what you are doing and give away half or more of your hard earned money, or keep what you earned. It’s that simple! You have dealt with the rest, now come join the Best! Pam and Joe Moshé are truly the best in the business. Call me: (845) 641-5018 CHARLES RUTENBERG REALTY, INC Corporate Office: 255 Executive Dr., Suite 104 Plainview, NY 11803 516-575-7500 www.crrli.com Call Our 24-hour hotline at 866-200-6204 or go to www.100percentcommission.com or call our office 516-575-7500 Long Island/Queens • Manhattan • Ft. Lauderdale • Clearwater • Orlando • Chicago 12 ● April 2008 ● THE REALTOR® LIBOR NEWS THE LONG ISLAND BOARD OF REALTORS, INC. WELCOME NEW LIBOR AND MLS MEMBERS Glenn S. Alba Help U Sell All Island Realty Alice Y. Leung Empire USA Realty Kenneth M. Boderman Kenneth M. Boderman, REALTOR Daniel C Mandell RE/MAX LaVilla Tak F. Chan Hender Goodwill Realty Inc. Jenny L. Montalbano First Pioneer Farm Credit Hyuck Bai Choi Hyuck Bai Choi, REALTOR Richard Montemarano Richard Montemarano, REALTOR Gerald R. Fink Jerry Fink Real Estate Inc. Maria K. Paleatsos MP Power Realty Peter J. Goodman Peter J. Goodman, REALTOR Helena Pesa Helena Pesa, REALTOR Michael M. Han NY Vest Realty Inc. Young Rim Realty Habitat Group Inc. Joann T. Hubbard RE/MAX Central Angel Soto Peoples First Services Corp. Sang G. Jung Big Eye Real Estate Corp. Helen K. Taveras All Over Properties Corp. Lee D. Kelmenson Metropolis Management Group Daniell Tylutki Raspanti Daniell Tylutki Raspanti, REALTOR Gullbahet Y. Khanat Cortes Corp. Diana Vargas D S Real Estate Inc. Steven G. Leou Leou & Associates LLC Matthew A. Wynn United Foreclosure Solu. Rlty of Greater Nassau 2007 Fastest Growing Real Estate Office in Nassau County Over 700 Offices & 82,000 Agents High Commission Splits Starting at 70% up to 100% Keller Williams has paid over 52 Million Dollars in Profit Sharing to their Agents in 2007 Keller Williams Business Model and its Agent-Centric Culture are Now Being Taught by Yale & Stanford University KW Offers the Largest Free Education and Training University in America Call Esther Choi for more information at 516-873-7100 ● THE LONG ISLAND BOARD OF REALTORS&, INC. The Huntington Township Chapter Talks “Short Sales” The Huntington Township Chapter held a networking breakfast on Wednesday, March 5th at the Thatched Cottage in Centerport, where guest speaker Cathy Nolan, ESQ. spoke to the crowd on “Short Sales & Foreclosures.” Pictured with Cathy (2nd from right) are (l-r) HTC Vice President Cheryl Grossman, HTC President Peter Demidovich and LIBOR President Mohsen Zandieh. EXECUTIVE PLANNER MAY 21 — Wednesday LIBOR BOARD OF DIRECTORS 9:30am — REALTOR SERVICE CENTER, 346 Sunrise Hwy., West Babylon — Classroom B. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350. MAY 22 — Thursday LIBOR/MLS ORIENTATION 8:30am — REALTOR SERVICE CENTER, West Babylon — Classroom B. Staff liaison: Debbie Franco @ LIBOR ext. 364. MAY 26 — Monday MEMORIAL DAY HOLIDAY OBSERVED — ALL BOARD OFFICES CLOSED MAY 27 — Tuesday LONG ISLAND COMMERCIAL NETWORK 8:00AM — Networking Breakfast & Marketing Session — On Parade Diner, 7980 Jericho Tpke., Woodbury. $15.00 LICN Members, $30.00 Non-members. For more information, call Gabor Karsai @ 516-609-8100. Mark your calendars... next meeting: June 24, 2008. MAY 28 — Wednesday MLS EXECUTIVE COMMITTEE 9:00am — REALTOR BUILDING, West Babylon — 2nd floor Conference Room. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350. The RealtorsN came out to the Crest Hollow Country Club on March 28th to hear all 3 National “Native New Yorkers” speak on “Managing Client Expectations in Today’s Market,” at LIBOR’S TRIFECTA 2. This seminar was approved for 3 NYS CE Credits. Pictured are guest speakers (l-r) Steve Harney, Joe Meyer, GRI and Darryl Davis with LIBOR Education Committee Chair Gail Gladstone. Don’t miss out on future events, the Long Island Board of REALTORSN offers New York State real estate sales and broker licensing courses, accredited continuing education programs and computer training throughout Queens, Nassau and Suffolk Counties. For upcoming events and classes visit www.mlslirealtor.com/education.cfm. REAL ESTATE REPORT Long Island Edition -Manage the Information (Continued from page 6) JUNE 5 — Thursday 20TH ANNUAL LIBOR EDUCATION CONFERENCE & TRADE SHOW 8:30am-4:30pm Crest Hollow Country Club, 8325 Jericho Tpke., Woodbury. “THAT WAS THEN-THIS IS NOW… REAL CHANGE— REQUIRES REALTOR CHANGE” — keynote speaker: Terry Watson, abr,cips,cbr,crs,gri,abrm, National Speaker: “Prescription For A Changing Market” — plus… Education Sessions presented by National Trainers: Tom Lundstedt, Phil Tesoriero & Verl Workman; Over 55 Exhibitors, Continental Breakfast, Networking, Silent Auction with proceeds to benefit the Coalition Against Domestic Violence. $1,000 Cash Grand Prize at luncheon; Special Super Star Agent panel featuring 5 top agents from across Long Island who will share the secrets to their succes. Don't miss this power lunch... Special Closing Session.. “7 Key Money Issues Every Realtor Must Know.” Register early while tickets last. In honor of our 20th Anniversary, we are honoring our discount pricing of 20 years ago! Tickets: SPECIAL 20TH ANNIVERSARY DISCOUNT EXPIRES APRIL 18: $59.00-LIBOR Members, $79.00Non members. wEarly Discount Prepaid by May 23rd: $79.00-LIBOR Members, $89.00Non members. After May 23rd: $89.00LIBOR Members, $99.00-Non members. Register online: www.liboredconference.com Effective management of information is more important than ever in today’s fastchanging, competitive, real estate market. To stay informed and remain competitive you need... The Long Island Real Estate Report. For more info, call: 631-539-7919, or go to www.LIRealEstateReport.com and click on Access Code: 667-813 to Receive a 10% Discount Off Your Order FORECLOSURE UPDATE The most complete listing of Real Estate Foreclosure notices available for the five boroughs of New York, Westchester, Nassau, and Suffolk counties. Delivered weekly reformatted with additional features not included in the notice. BUILDING NOTICES • TELEPHONE NUMBERS • CROSS-REFERENCED BY DATE Over 200 Notices weekly — commercial, residential, condos and coops. Take advantage of the market. $345/year 5 boro’s, $210/6 months, or $125/12 weeks, 5 boro’s co-op’s $175/year, Westchester $185/year, Nassau $200/year, Suffolk $210/year. SUBSCRIBE NOW OR ORDER YOUR FREE COPY WITHOUT OBLIGATION Amex, MC, Visa, and Discover Accepted Please make check payable to and mail to: FORECLOSURE UPDATE INC. P.O. Box 220032, Great Neck, NY 11022-0032 or call (516) 487-6491 www.newyorkforeclosures.com THE REALTOR® Second, Realtors® should continue to advocate for laws and policies that make homeownership more affordable and accessible. Third, everyone should support the Hope Awards sponsored by NAR and is in partnership with five minority real estate organizations. The Hope Award includes a $10,000 grant and if you would like more information on this opportunity, contact Sara Weiss at 202-383-1013. ● TRIFECTA 2…New Challenges, New Topics, New Solutions – Great Success April 2008 Realtors® Are Encouraged to Promote Fair Housing April is National Fair Housing Month. 2008 NAR President Dick Gaylord highlights three ways that all Realtors® can help celebrate Fair Housing Month and the 40th Anniversary of the Fair Housing Act by promoting homeownership opportunities in their communities. First, Realtors® should reach out to more potential homeowners and explain that homeownership is more than just a good long-term financial investment. 13 LIBOR NEWS 14 ● April 2008 ● THE REALTOR® “We’re More Than REALTORS®...” Volunteers needed for the LIBOR sponsored “REALTOR® VOLUNTEER WORK DAY” held in conjunction with Rebuilding Together Long Island on Friday, May 2nd at the Hagedorn Community Center in Manhasset he Hagedorn Community Center was originally built in 1929 as a public school. It was then re-opened as a community center focused on helping “at risk” youngsters in Manhasset/Great Neck achieve success by providing support for both the children and their families. Activities include a Head Start program, after school programs, a family support program, teen youth council, summer programs and AA meetings. The school, which is run with great dedication and effectiveness, is in desperate need of help. T Volunteers from Nassau, Suffolk and Queens are welcome! 50 volunteers are needed in total for the work day, which will begin at 9 a.m. and end around 3 p.m. Projects will include: • gardening/landscaping • outdoor painting • fence installing All volunteers will receive a free "We’re More Than Realtors®" T-shirt and lunch/refreshments courtesy of LIBOR. This is not only a chance to help children in need, but a great day of networking and a not to be missed PR opportunity! If you are interested in volunteering or for more information please contact Christina at 631-6614800 Ext. 358. Please pass the word along to your agents and friends as well. “REALTOR® VOLUNTEER WORK DAY’ Form • Friday, May 2, 2008 • 9am-3pm Volunteer Name____________________________________________________________________________________ Company Name ____________________________________________________________________________________ Address __________________________________________________________________________________________ City, State, Zip ____________________________________________________________________________________ Work Phone ____________________________________ Cell Phone________________________________________ Fax # ______________________________________________ E-mail________________________________________ FAX Completed Form to: 631-661-5202 Attn: Christina DeFalco The Long Island Board of REALTORS®, 300 Sunrise Highway, West Babylon, NY 11704 15 ● > Over 20,000 sales associates. > Weichert Works ® *Source: Real Trends, 2005. ©2008 Weichert Real Estate Affiliates, Inc. Independently owned and operated. WEICHERT, REALTORS® Ferreri-Gromus 170 Deer Park Ave. Babylon, NY 11702 631-661-6900 WEICHERT, REALTORS® The Franzese Group 1707 86th Street Brooklyn, NY 11214 718-232-1004 WEICHERT, REALTORS® Quality Homes 240 Fulton Ave. Hempstead, NY 11550 516-867-3508 WEICHERT, REALTORS® Prospect Hill 4 North Country Road Port Jefferson, NY 11777 631-473-5255 WEICHERT, REALTORS® Shore To Shore 187 Sunrise Highway West Islip, NY 11795 631-669-3666 WEICHERT, REALTORS® Quality Homes 1860 Grand Ave. Baldwin, NY 11510 516-867-3508 WEICHERT, REALTORS® The Dallow Agency 58 Commack Road Commack, NY 11725 631-864-4700 WEICHERT, REALTORS® The Dallow Agency 3000 Hempstead Tpk Levittown, NY 11756 516-731-6600 WEICHERT, REALTORS® WEICHERT, REALTORS® Shore To Shore Bonus Real Estate 84 Nesconset Highway 94-19 Jamaica Ave. Pt Jefferson Stn, NY 11776 Woodhaven, NY 11421 631-476-6900 718-441-1400 WEICHERT, REALTORS® H.P. Greenfield 1712 Utica Ave. Brooklyn, NY 11234 718-692-4444 WEICHERT, REALTORS® The Dallow Agency 392 Conklin Street Farmingdale, NY 11735 516-293-2323 WEICHERT, REALTORS® WEICHERT, REALTORS® WEICHERT, REALTORS® Service First DJ Real Estate Queens Real Estate 215-15 Jamaica Ave. 36-12 34th Ave. 53-19 32nd Ave. Long Island City, NY 11106 Queens Village, NY 11428 Woodside, NY 11377 718-217-0123 718-609-5860 718-204-7425 WEICHERT, REALTORS® H.P. Greenfield 850 Fulton Street Brooklyn, NY 11238 718-338-3380 WEICHERT, REALTORS® FH Realty 101-15 Metropolitan Ave. Forest Hills, NY 11375 718-544-4000 WEICHERT, REALTORS® Liappas Agency 343 Plandome Road Manhasset, NY 11030 516-365-6644 WEICHERT, REALTORS® Dutch Door 59 Main Street W. Sayville, NY 11796 631-567-3444 WEICHERT, REALTORS® Property Works 855 Knickerbocker Ave. Brooklyn, NY 11207 718-418-4180 WEICHERT, REALTORS® Pioneer 11 Northern Blvd. Great Neck, NY 11021 516-482-1300 WEICHERT, REALTORS® The Dallow Agency 2473 Jerusalem Ave. N. Bellmore, NY 11710 516-679-0133 WEICHERT, REALTORS® Sea Crest Properties 512 Sunrise Highway W. Babylon, NY 11704 631-669-1700 > CALL 1-800-301-3000 | > CLICK www.weichert.com | > VISIT Your local Weichert office THE REALTOR® > Over 500 company and affiliated offices nationwide. ● > The nation’s largest privately owned provider of real estate and homeownership services*. April 2008 Why Weichert? 16 ● B R A T FEATURING KEYNOTE SPEAKER Real Change Requires REALTOR® Change N G 2 0 SILENT AUCTION THROUGHOUT THE DAY ABR, CIPS, CBR, CRS, GRI, ABRM Terry Watson Seminars, Chicago, IL Fabulous items, rare signature pieces...proceeds to benefit Coalition Against Domestic Violence. Winners announced at luncheon. Due to popular demand, Terry Watson will kick off this year’s conference with his brand new opening session: “Prescription for a Changing Market” FEATURED AT THIS YEAR’S CONFERENCE Education Sessions Presented by National Trainers: PHILIP TESORIERO, GRI, CRS, DREI Gelip Inc., Consulting • Amity Harbor, NY Moderated by National Trainer Terry Watson TOM LUNDSTEADT, CCIM Tom Lundsteadt Seminars • Emphraim, WI • How to Double Your Income by Working with Investment Property BUYERS • How to Double Your Income by Working with INvestment Property SELLERS VERL WORMAN Pinnacle Quest Consulting • Sandy, UT • How to List, Prospect and Succeed in a New Changing Market • Bullet Training Thinking (Broker/Manager Session) TERRY WATSON, ABR, CIPS, CBR, CRS, GRI, ABRM Terry Watson Seminars • Chicago, IL • Generational Marketing and Selling... The New Rules of the Real Estate Game • Managing Through the Perfect Real Estate Storm (Broker/Manager Session) TOM LUNDSTEADT, CCIM Tom Lundsteadt Seminars • Emphraim, WI • Seven Key Money Issues Every REALTOR Should Know! Ranked Top 3 Sessions as Best at Triple Play Convention...Don’t Miss It! ❒ $59.00 - LIBOR Member ❒ $79.00 - Non-Member THURSDAY, JUNE 5, 2008 9:00 a.m. — 4:30 p.m. (Registration Opens 8:15 a.m.) Crest Hollow Country Club • Woodbury, New York SAVE TIME AND MONEY — REGISTER ONLINE NOW AT www.LIBORedconference.com BEFORE MAY 23, 2008: ❒ $79.00 - LIBOR Member ❒ $89.00 - Non-Member THEREAFTER: ❒ $89.00 - LIBOR Member ❒ $99.00 - Non-Member PLEASE CHECK ONE: ❒ Agent ❒ Broker/Manager ❒ Other *To be eligible for discount price, phone, fax & email reservations must be PREPAID BY CREDIT CARD by deadline date. Reservations by mail must include payment either by credit card or check & must be postmarked by deadline date. Hear from top 6 REALTOR Super Star Agents from Queens, Nassau and Suffolk who will share the secrets to their success in this market! That was then... THIS IS NOW!! Real Change Requires REALTOR® Change! GROW YOUR BUSINESS Visit the MLS Booth throughout the day where you will see the latest MLS products and Stratus enhancements to help market and grow your business. FEATURING CLOSING SPEAKER SPECIAL 20TH ANNIVERSARY DISCOUNT! EXPIRES APRIL 18 “Where Stars Shine” Super Star Agent Panel • Increasing Profits with SHORT SALES... the BIG Foreclosure Secret 2 Sessions Offered Due to Demand For our 20th anniversary, we’re offering conference pricing of 20 years ago – Realtors pay only $59! NEW 2008 LUNCHEON PROGRAM Pick up your FREE GIFT! Y E A R S SPONSORSHIP OPPORTUNITIES & EXHIBITOR SPACE STILL AVAILABLE! For details, contact: Dorothy Wallach @ ext. 362 or Connie Aiello @ ext. 361 by April 18th. Email: dwallach@mlsli.com ~or~ caiello@mlsli.com WE GRATEFULLY APPRECIATE & ACKNOWLEDGE THE CONTINUED SUPPORT OF OUR SPONSORS & EXHIBITORS TO DATE 1-800-GOT-JUNK? A1 Professional Home Inspection AC&E Home Inspection Corp. A-Pro Home Inspections Bank of America BBA Photography Corporation Centralized Showing Service Conference Associates/NYSBG GRAND PRIZE SPONSOR eRealty Solution VIP JOURNAL SPONSOR Innovative Mailing & Shipping Systems Listingbook LLC Men On The Move Moving & Self Storage Companies Denis A. Miller Insurance Agency Mortgage World Bankers Multiple Listing Service of LI National Property Inspections The New York Times Newsday JOURNAL SPONSOR Obeo Oil Heat Comfort Corp. Pearl Insurance Pillar To Post Professional Home Inspection Post Your Listings.com RPT Data LUNCHEON SPONSOR Showing Time Stanley Steemer Carpet Cleaner Stratus Data Systems, Inc. PLATINUM/GRAND ASSEMBLY SPONSOR Three Point Office VIP JOURNAL SPONSOR Wells Fargo Home Mortgage 20th Annual LIBOR Education Conference & Trade Show • That was then...This is NOW! Thursday, June 5, 2008 • 9:00 a.m. — 4:30 p.m. • Crest Hollow Country Club, 8325 Jericho Tpke., Woodbury, NY Long Island Board of REALTORS®, Inc., 300 Sunrise Hwy., West Babylon, NY 11704 — Attention: “Conference 2008” OR...to register on line go to www.liboredconference.com • OR...FAX this coupon with your credit card info to 631-661-2103 • OR...phone registration: 631-661-4800 ext. 361 or 387 Name: ____________________________________________________ LIBOR Member#: __________________________________ Office: ______________________________________________________________________________________________________ Bus. Address: ________________________________________________________________________________________________ Bus. Phone: __________________________________________________ Email: ____________________________________ AMOUNT: $___________ If purchasing more than 1 ticket, please list names of ALL attendees. ❒ MASTERCARD ❒ VISA ❒ AMEX ❒ DISCOVER ❒ Check Enclosed (payable to LIBOR) Full payment MUST accompany registration Card#: ______________________________________________________ Exp. Date: ________________________________________ Cardholder Signature: ______________________________________________________________________________________________ CANCELLATION POLICY: If notice of cancellation is received before 2 business days prior to Conference date, full refund of registration will be made. NO REFUNDS thereafter. ALL TICKETS WILL BE HELD AT THE DOOR • To Register On Line Go To: www.LIBORedconference.com THE REALTOR® That was then...THIS IS NOW!! Terry Watson I ● ● April 2008 E April 2008 THE REALTOR® L ● 20th Annual LIBOR Education Conference and Trade Show E 17 C 18 ● April 2008 ● THE REALTOR® MLS NEWS THE MULTIPLE LISTING SERVICE OF LONG ISLAND, INC. MLS INFO LINE By Barbara Ford, MLS President Properties In Foreclosure and Short Sales — For Listing Agents and Selling Agents the MLS Rules Have Not Changed It will come as no surprise to you that we are in a new marketplace where properties in foreclosure and short sales are no longer the oddity or exception. Their existence raises many new issues and some confusion as to what the strategies and rights of selling and listing agents should be to comply with their obligations under the law, their fiduciary duty to their clients, and their adherence to Multiple Listing Rules. During my attendance at various zone meetings, certain questions come up again and again. How do I convey an offer on a property in foreclosure? What happens if the listing agent refuses to convey my offer to the bank, but cannot provide a copy of the seller’s directions that no offer may be submitted once an offer as been accepted? How do I confirm that my offer on a property in foreclosure has been conveyed? How do I know if the listing is subject to the equity theft protection act? What must the listing broker include in the Realtor’s copy of the listing on stratus in regard to short sales or properties in foreclosure? What information, if any, should be included on the public site, and when should a potential buyer be advised that they are dealing with a short sale? First, and most importantly, although the bank as a seller may take the position that they don’t have to play by our (MLS) rules, YOU DO!! What does this mean? It means that if you are taking a listing on a foreclosed property it is your duty to advise the seller (the bank), as you would any other seller that you are bound by certain rules under the Multiple Listing Service. The bank wants you to list the property on the MLS!! Therefore, they should at least be aware of the procedure YOU will have to follow. This means that unless the seller (bank) advises you in writing that once an offer is accepted they do not want to hear any other offers, you cannot take the position that when an offer is accepted and another offer comes in from a broker that you can refuse to convey it! You are legally obligated and the MLS rules provide that all offers MUST be conveyed if there is no contrary direction in writing from the seller. If you as the listing broker refuse to convey the offer without written instructions, the broker with the offer waiting to be conveyed should contact the zone chairperson and explain the problem. The zone chair person should then contact the listing broker, and absent directions in writing not to present offers after an acceptance, should demand the offer be conveyed and acknowledged by the Seller. Alternatively, as with any other listing, the zone chairperson may demand the contact information for the seller (bank) from the listing broker, if the listing broker refuses to obtain the required acknowledgment of offer. I have had this experience in my own office, when a listing broker who had no written directions from the bank refused to convey my agent’s offer. I advised the listing broker that I could have the zone chairperson contact him, or he could provide me with the seller’s information and I would convey the offer myself. The listing broker chose to have me convey New MLS Stratus License Agreement With the approval of the Multiple Listing Service (MLSLI) Board of Directors all Participants, their agents and administrative staff who wish to access Stratus will be required to accept the terms of the MLSLI Subscriber Agreement. This will be done by clicking “I accept” which shall appear at the bottom of the Agreement after logging on to Stratus beginning the week of April 21, 2008. Upon such acceptance the Subscriber will thereafter be able to access Stratus. There will be no need to repeat this process after the Agreement is accepted the first time. This Agreement has been created to protect the MLSLI listing content from piracy and misuse by unauthorized per- sons. The main points of the Agreement are: • Subscriber will not disclose their STRATUS password to anyone. • Violation could result in loss of the right to access Stratus. • Subscriber represents they are authorized by owner and Participant to enter property listings into STRATUS. • Subscriber transfers all intellectual property contained in listing content to the Participant to which they are licensed and MLSLI as equal one-half owners. • Subscriber agrees to use the listing content only as outlined in the Agreement. Please see the News Item on the Stratus Info Center for further details. the offer, which I did by facsimile to the bank. This generated a call from the bank employee handling the account, who acknowledged receipt of my offer. The bank employee indicated that they would keep my offer on file in case the other offer did not close. There are numerous reasons why once informed of another offer the bank will keep your offer on file, including but not limited to the fact that the bank has a duty to recover as much of the money that is owed and could face challenges to an attempt to collect a shortfall on the note if it did not consider the offer(s). At a minimum you know that your information is now before the bank, which was your goal to begin with. In regard to short sales, both listing and selling agents must be clear that most if not all lenders will only consider a short sale by receiving an actual contract, and there can be more than one contract submitted. This means you don’t have a deal until the bank accepts the contract and you are not entitled to a commission, unless the contract is accepted. If you as the listing agent are not clear in the remarks section that the property as listed is a “short sale”, a cooperating broker who brings a buyer, ready, willing, and able to purchase pursuant to the terms stated in the listing, may make a claim for a commission. Sellers who are reluctant to share this information should consult with their attorney as to whether they want to assume this potential liability. When should a customer, be advised that a property is being offered on the basis of a short sale? I am aware of a situation where a seller listed a property with an MLS participant who was advised by the seller that the transaction would be a short sale. Unfortunately, the agent did not convey this information to other agents or to the customer who eventually made an offer that was accepted by the seller. The customer paid to have an engineer’s report, and only at the point of actual contract was the seller’s attorney advised that this would be a short sale. When the seller’s attorney conveyed this information to the customer’s attorney, who also happened to be her mother, the fireworks began. The customer’s attorney refused to go for- ward with the transaction and demanded that the agent pay for the engineer’s report, threatening an action against the agent with the Department of State. This is clearly not the outcome anyone was expecting, and probably could have been avoided had this information been conveyed at the point that the customer expressed an interest in conveying an offer. Finally, what if a sale is subject to the Equity Theft Protection Act? If your seller is in foreclosure or is sixty days behind in their mortgage payment, the sale will be subject to the Act. To read a summary of the provisions of the act you may go to http://www.banking.state.ny.us/hetpyrul.pdf. About a year ago, before we were focused on issues such as the Act, one of my agents discovered what can go wrong when the seller is less than truthful about their financial situation with their lender, and the parties are not familiar with the requirements of the Act. Not knowing that the seller was behind in his mortgage payments my agent listed the property and obtained an accepted offer from an investor on a two family home. The seller and buyer’s attorneys had only a passing acquaintance with the provisions of the Act, with the result that the deal fell through when the requirements of the act were improperly explained to the buyer. By the time my agent was able to explain the problem to me and I was able to provide accurate information on what was required, the transaction could not be saved. The moral of this story? Try to tactfully gain information from your seller and explain why you are asking. Become familiar with what is and what is not required under the Act, and if there appears there may be a problem, intercede and seek advice as early as possible. Finally, many of these questions are answered at your zone and chapter meetings by guest speakers such as Cathy Nolan, and I strongly urge to you to take advantage of those opportunities when they arise. Being prepared in a changing market is the first step to being successful and profitable during challenging times. Major Change in New Rental Listing Agreements The compensation published is now the amount paid to the Listing Broker rather than the Renting Broker Compensation. The Cooperating Broker will be able reach an agreement with its tenant as to the total broker compensation and forward to the Listing Broker their portion as set forth on the published listing. All old rental listings should be edited by the Listing Broker to show the Listing Broker Compensation. Please note there is a new Multiple Listing Service Rental Agreement which was approved by the MLS Board of Directors. It is now a two part agreement similar to the Residential Listing Agreement. The change to the rental compensation field will also be on Residential, Condo/Coop and Commercial listings offered for rent. Please see the News Item on the Stratus Info Center for further details. REALTOR SHORT SALES CERTIFICATE PROGRAM — 2 DAYS • APPROVED FOR 15 HOURS OF NYS CE CREDIT SATISFIES NAR ETHICS REQUIREMENT SATISFIES 3 HOURS OF FAIR HOUSING DOS REQUIREMENT • May 15 & 16 — Woodbury RSC May 27 & 29 — West Babylon June 9 & 10 — Woodbury Visit www.lirealtor.com and click on Education for more info, pricing and how to register. 19 ● April 2008 ● THE REALTOR® Registered Mortgage Broker • NY • Licensed Mortgage Lender CO,CT, FL,GA,MN,NM,OK,OR,SC,WY State Banking Depts. This is an advertisement to Real Estate professionals and Mortgage Brokerage professionals only. 20 ● April 2008 ● THE REALTOR® TECHNOLOGY TECHNO-BITS TECH TIP By Dana Nowick MLS Product Marketing Specialist 631-661-4800 ext. 367 • dnowick@mlsli.com MLSTECHS.com Just Got Better! MLSTECHS.com has been revamped! A website can be the start of a great business relationship, and that’s what MLS is looking to do with you! Let me back up for a minute. In case you haven’t heard about MLSTECHS.com... this website was created in an effort to bring you the products, services, and technology advice that will grow your business, right to your fingertips. You’ve heard this before...84% of homebuyers start their search on the Internet. So, a real estate website is crucial to success! That same concept applies to MLSLI. The Realtors, our customers, are on the Internet everyday and great websites are crucial to our success. It’s our job to keep our websites on par with your needs in an effort to serve you better. MLS delivers you great products and services for your business, and we want to make sure MLSTECHS.com truly displays how great these products and services are. The following changes have been made to MLSTECHS.com: • Innovative and compelling ways to share product and service information • Fresh new look and feel • Better navigation • Special offers and discounts • Tech Tip section with great info and resources for your business • A “quick search” feature that delivers exactly what you are looking for Visit www.mlstechs.com to check out the new site. You will find great products, services and information that will grow your business and keep you ahead of the real estate curve. Make sure you are taking advantage of the FREE products and services MLS offers: • FREE Consumer Tip Videos • FREE ShowingAlert • FREE Stratus Fax Attachment • FREE Web Content And don’t forget our Technology Partners, who MLS has teamed up with to offer you the latest discounts and FREE services. Visit www.mlstechs.com/techPartners.asp for more info! For more tips on how to grow your business visit www.mlstechs.com/ realtorAdvice/index.asp GET YOUR COMPANY NOTICED... ADVERTISE ON THE WEB...MLSLI.COM YOUR CUSTOMERS EXPECT YOU TO BE ONLINE! Advertise your business on MLSLI.com for only $275 per month and get your company noticed by thousands of buyers and sellers that visit the site everyday. Contact the Web Marketing Department at 631-661-4800 ext. 11 for more information. FREE MLS Products and Services Seminar Now Being Offered! Learn about all the latest technology available to you through MLSLI; such as video, website marketing, technology, blogging, stratus tools and much more. NO REGISTRATION FEE, CONVENIENT LOCATIONS AND LIGHT REFRESHMENTS WILL BE SERVED. Upcoming dates are Thursday, May 1st, Thursday, May 8th and Friday June, 27th, sign up now before seats run out! For more information contact Dana Nowick at 631-661-4800 x367. Be A Savvy REALTOR Through Effective Online Strategies By Andrew Wetzler For most real estate professionals the business climate has changed dramatically. Whereas for several years, simple presence in the field was a license to be successful and earn a significant living, today a much better strategy needs to be utilized, just to stay on the playing field. In an e-commerce environment the focus or goal of a Website is encouraging the site visitor to buy something. Since that approach is not likely to work for real estate transactions, the most critical objective is to capture the contact information from a visitor so that a pipeline of prospects can be developed. While the gist of this article is about utilizing the Internet to help locate qualified prospects (buyers or sellers), I think it's also important to mention that leads arising from the Web will still need to be worked effectively. Building a pipeline begins with attaining both a phone number and an e-mail address from someone. If you have a traditional direct mail program in place, then a street address is vital as well. While direct mail can still be of value, e- mails can be powerful, better targeted and less expensive. For example, by grouping your prospect base into categories (like single family vs. condo buyers or buyers vs. sellers), you can send out e-mails that are tightly aligned with someone's interests. You will experience a much better response rate by segmenting in this manner. Here are a few more ideas to boost the effectiveness of your Website/online lead generation efforts. 1. Take advantage of the two main opportunities on Search Engines: Search Engine Optimization (SEO) and Search Engine Marketing. SEO, also know as Organic or Natural Search is the process by which a site is designed to be aligned with the algorithms of the engines. Key ingredients include robust content, search engine friendly architecture and effective linking strategies. Each major Search Engine has a Paid component to its search results as well. This involves paying for site visitors on a "per click" basis. There are a series of variables that need to be considered when starting a campaign. These include keyword selection, geography (where do you want your listing to show up) and bid strategy (how aggressive do you want to be? What is your budget? etc.). 2. Keep the content on your site fresh, accurate and robust. For example, it's a big turn-off to arrive at a site with inaccurate information or links that don't work. Create a compelling reason for someone to search for properties on your site, rather that just going to realtor.com. 3. Honor channel preference — By that I mean make it as easy for someone to contact you via e-mail as by telephone. Prompt follow-up is also critical. Make sure you get back to them before they have a chance to reach out to a competitor. And as already mentioned, get complete information from each person so that you can maintain multiple contact points with them. 4. Utilize a contact management program. There are a number of these programs on the market today that will allow you to keep in close contact with those who warrant it, schedule others for contact later on, and also parse the database for mailings (as described above). 5. Study competitor sites. Although most sites have similar attributes, especially ones that are template driven, others are unique with varying degrees of professionalism. While a template site is okay, it has limitations from both a design standpoint and from a Search Engine Optimization perspective. Many Realtors have sites through the companies that they are representing (Prudential, Century 21, etc.) and also have another site that allows greater flexibility and opportunity for differentiation. 6. REALLY IMPORTANT — If you send an e-mail to your database and you do it in one bulk e-mail, make sure that you blind copy (Blind CC) all of the recipients. I received an e-mail recently from the developer of a new community. The e-mail was sent to 200 + individuals who had requested to be on the mailing list. The person who sent it out didn't Blind CC everyone, and the entire list saw each other's names. Besides the negative credibility impact for the developer, it was likely a bonanza for the handful of other realtors in town who were on the list themselves. There is no question that this is a challenging time for most people associated with the real estate industry, including homeowners who are trying to sell their properties. The factors that fueled the market on the way up, along with the ones driving the downturn are out of the control of any individual. What remains in your control is the lead generation and follow-up process. Hard work, strong organizational skills and a willingness to embrace e-mail/the Internet, are important ingredients to attaining impressive results in a tougher marketplace. 2007 Internet Advertising Revenue Exceeds $21 Billion The Interactive Advertising Bureau (IAB) estimated that $21.1 billion was spent on Internet Advertising in 2007, a figure that represents a 25% increase over 2006. Additionally, five years ago the IAB reported Internet Advertising Revue reach- ing the $6 Billion mark to which 21 percent was being allocated on keyword programs using search engines like google and yahoo. Today, reports show that companies are allocating almost 40 percent of their marketing budgets to key word searches. 21 ● April 2008 Advertise In ● DSI DESIGN GROUP CHRISTOPHER MEADOWS Tel: (516) 676-6089 Fax: (516) 676-4769 email: studio@dsidesigngroup.com HOMEOWNERS INSURANCE FLOOD INSURANCE NEED COVERAGE FAST? WANT TO SAVE MONEY? THE REMCO AGENCY is Your ONE Call for Fast Homeowners Insurance Quotes on All Long Island Homes. Get the Best Quote from over TEN companies with the Right Coverage. We can send you a Binder Instantly for Closings FLOOD COVERAGE: Also available for All Locations Call Today! 516-665-2000 or Email JohnM@remcoagency.com THE REALTOR® CONTACT... 22 ● April 2008 ● THE REALTOR® This & That LIBOR/MLS CEO Joe Mottola recently addressed a crowd of developers, builders and REALTORS! on the current market con- International Realty President and CEO Patricia Petersen. This includes access to top real estate strategists and marketers from our Sotheby’s network. These are valuable and exclusive relationships that foster meaningful results.‰ Daniel Gale Sotheby’s International Realty sent representatives from offices that span the North Shore of Long Island to the conference including Arlene Shelton (St. James), Lisa Gilpin (Shelter Island), Nikki Sturges (Northport), Kimberly Barkoff (Relocation), Anne Marie DiPasquale (Locust Valley) and Deirdre O’Connell (Manhasset and the North Fork). Daniel Gale Sotheby’s International Realty Names Sandi Lefkowitz Vice President ditions at the Association for a Better Long Island’s (ABLI) Economic Summit. This program is in conjunction with the newly formed Long Island Real Estate Organization. Daniel Gale Sotheby’s International Realty recently sent a contingent of agents, managers, and staff to an orientation conference held for companies that belong to the Sotheby’s International Realty! network of residential real estate brokerages. The conference included business meetings in Short Hills, N.J. and a networking event at Sotheby’s Auction House in New York City. “We strongly believe in giving our associates and staff the most comprehensive networking and educational opportunities available,”‰ said Daniel Gale Sotheby’s Daniel Gale Sotheby’s International Realty recently named Sandi Lefkowitz Vice President. She currently manages the Daniel Gale Sotheby's International Realty offices in Glen Head/Old Brookville and Sea Cliff. Daniel Gale Sotheby’s President and CEO Patricia Petersen made the announcement. Mrs. Lefkowitz is a recognized name in real estate on Long Island’s North Shore. A residential agent for more than 27 years, she serves as President of the Long Island Board of Realtors for the Nassau North Shore Chapter. She was instrumental in the launch of Daniel Gale Sotheby’s International Realty’s Commercial Division in 2004 and manages the commercial agents working out of her offices. A former educator, Mrs. Lefkowitz’s instructional methods have helped the agents under her wing to consistently exceed their sales goals in an intensely competitive market. Realtor Cindy Aronstam, an agent with WEICHERT, REALTORS! — Prospect Hill, has implemented the AgentAchieve˙ program, enabling her to stay in touch with prospective clients as never before. The productivity tool is “a tremendous assist in today’s real estate climate, where people can take a long time to decide to buy,” ‰ Aronstam said. AgentAchieve˙ is a prewritten client marketing plan that employs automatic e-mails and follow-up call reminders. The Long Island agent is a Certified Buyer Representative and a member of the Women’s Council of REALTORS!. She has an extensive background in marketing and advertising. Hofstra Presents Long Island Board of Realtors" with Certificate of Appreciation Hofstra University presented LIBOR with a Certificate of Appreciation for the Long Island Board of REALTORS! Scholarship Foundation, which was created in 2007. The Long Island Board of Realtors! Scholarship Program was developed by LIBOR’s Public Relations Committee to recognize and support students throughout Long Island who are studying for a career in real estate. LIBOR awards three scholarships to local students (from Suffolk, Nassau and Queens Counties) every school year. Agawam Albertson welcomes Kathy Van Duzer to their Cutchogue Office! Kathy has real estate sales licenses in New York and Connecticut. Her extensive marketing and sales experience coupled with her real estate knowledge can help you find the right home at the right price here on the North Fork. OBITUARIES We regret to inform you of the passing of Irwin Schwartz, husband of Carole Schwartz of Daniel Gale SothebyFs in Syosset. Funeral Service was held on March 23th at Gutterman’s in Woodbury. We regret to inform you of the passing of Luisa Mourino, C21 Laffey Associates of Bellerose. Services were held on March 27th at Edward F Lieber Funeral Home in Valley Stream. We regret to inform you of the passing of Enrique “Al” Guzman of PCA Realty in Flushing. Services were held at Frederick’s Funeral Home in Bayside on March 29th and 30th. We regret to inform you of the passing of Mary Griffin, sister of Maxine Britt of Faith Realty in Bay Shore. Service was held on April 1st at Johns Funeral Home in Brooklyn. ATTENTION REALTORS • Quick Closings • Quick Commissions • Is your seller telling you ALL you should be told about the subject property? Do you know if the person you are dealing with is ACTUALLY the owner of the property? Has your seller told you that they may be in DEFAULT on their loan? Does your seller have a JUDGMENT or a BANKRUPTCY against their name and home? Do you know if your seller is giving you ALL the facts pertaining to C/O’s on the property? AS A REALTOR YOU ARE RESPONSIBLE TO KNOW THE FACTS!! Property Run, Inc. will provide you with a Title Search. This search will provide you with the following information: Copy of the Last Deed of Record • Open Mortgages against the property • Any LP and Foreclosure Filings Judgments and Liens against your client • Bankruptcy and Patriot Act Searches Additional Services are available such as: Tax Search • C/O Search • Surveys • Housing and Building Search • Street Report • Emergency Repair Search • Etc. LET PROPERTY RUN, INC. WORK FOR YOUR SELLER TO CLEAR ANY DEFECTS IN THE TITLE BEFORE A PURCHASER MAKES THEIR OFFER. HAVE YOUR LISTING SAY “CLEAR TITLE” AND WE WILL DO IT ALL FOR YOU! CALL TODAY TO MAKE AN APPOINTMENT! WE WILL COME TO YOU! CALL (516) 203-7310 or EMAIL US at: PROPERTYRUN@GMAIL.COM Property Run, Inc. 23 ● “Financial services as it should be… the personal way” • • • • • • • • Savings Checking Direct Deposit Internet Account Access Credit Cards Auto Loans Share Secured Loans Electronic Services • • • • • Personal Loans Vacation Club Holiday Club Mortgage Lending American Express Gift Checks & Travelers Checks MEMBERSHIP DRIVE UNDERWAY — JOIN TODAY! LONG ISLAND REALTORS® FEDERAL CREDIT UNION 300 Sunrise Highway • West Babylon, NY 11704 631.661.4800 Ext. 371 Serving Our Members Since 1972 THE REALTOR® “Financial services as it should be… the personal way” ● www.lirfcu.com April 2008 LONG ISLAND REALTORS® FEDERAL CREDIT UNION 24 ● April 2008 ● THE REALTOR® RPAC REALTORS9 POLITICAL ACTION COMMITTEE 2008 RPAC HONOR ROLL IT’S YOUR BEST INVESTMENT IN BUSINESS! GOLDEN R ($5,000 AND UP) Joseph L. Canfora* Dorothy Herman* Patricia Levitt* Audrey Livingstone* Nicholas Gigante* Sharon Kollore Barbara McDonough Richard M. Shane Edward S. Smith Neil E. Sterrer CRYSTAL R ($2,500 TO $4,999) $99 CLUB ($99 TO $249) STERLING R ($1,000 TO $2,499) Ralph Bove Kathleen L. Engel* Lisbeth N. English* Melvyn S. Farkas* Barbara F. Frechter* Susan G. Helsinger* Walauddin Hoosein Maxwell S. Levitt* Mary F. McLaughlin* Walter Messina* Joseph E. Mottola* Donald C. Scanlon* Estella Wilder* Mohsen Zandieh PRESIDENT’S CLUB ($500 TO $999) Matthew B. Arnold* Gabriele Bishop Nicholas Gomez Caroline Jemison* Tony Smith CAPITOL CLUB ($250 TO $499) Bridget D. Allim Joanne Canfora* Marie A. Costello* Richard W. Abatelli Nancy A. Achstatter Bartlett L. Ackerson Kenneth L. Adamo Mark S. Adler Kuljit S. Ahluwalia Edul N. Ahmad Vincenza Alia Asher S. Alon Miguel A. Alvarado Jacques Ambron Katy Anastasio Virginia A. Andrews Joseph C. Andruzzi Paula M. Annarumma Caruso Satyanand Arjun Richard B. Arnold Dorothy A. Aschkar Keith A. Asdourian Evelyn Atanas Jan M. Athanasopoulos Kenneth A. Auerbach Sistina Aversano Edwin W. Banks Vicky W. Bartko Omar C. Baxter Rozanna Beaumont Joanne C. Bechhoff Sharona Beck Michael Bello Belinda G. Bender Rachel Benedetti Michael J. Berman Mohamed Bessai Gina M. Bettenhauser Jerome H. Blue Lucille Bonanno Ernest F. Bonifazio Kenneth M. Bordeman Larry J. Braden Margaret M. Brady Amalia C. Brandt Stephen A. Bruno William C. Buckley Denise C. Buser Miguel A. Cabrera Alejandro U. Calma Allegra Capra Peter M. Caputo Craig S. Carbone James C. Cariello Clara N. Carranza Gloria Catsimalis Tak F. Chan Kumal A. Chetram Hyuck Bai Choi Mario J. Ciampa Michael A. Cibelli Ocelia Claro Peter J. Cohen Maxine M. Conlin Joseph J. Corriston Miriam E. Crespo Sal J. Crifasi Pedro Cruz Carl H. Dalencourt Donna M. Davis Domingo P. DeGuzman Nilo A. DeLaTorre Frank Dell Accio Vincent Dell Accio Peter S. Demidovich Suzanne DeNoyior Steve DePinto Carlos L. Diaz Vincent DiCanio Janis A. DiGiovanni Angela DiLeonardo Josephine G. Dizon Sabita D. Doodnauth Robert H. Dressler Jian J. Du Kenneth J. Dunn Sooroojnee Edoo Allan R. Eldridge Shawn Elliott James H. Elstroth Janice L. Fagan Rocco J. Famiglietti Michael I. Feiner Manuel Felix Alejandra J. Fermin Clifford S. Fetner Warren M. Fink William P. Fitzgerald Christopher O. Forbes Barbara Ford Beatrice Formickella Jennifer Fox Susan L. Francis Karl H. Friedrich Robert Frisoni Philip Fusco Deborah L. Galligan LIBOR’S 2008 RPAC GOAL IS $404,000 IN 2008 BASED ON RPAC’S FAIR SHARE OF $15 PER MEMBER. For more information, please contact Randy L. Kaplan, Director of Governmental Affairs, Ext. 380. Carol Gallo Turschmann Eugene R. Gamache Joy B. Gape Michael Gatto Syma J. Gerard Stanley E. Gilpin Gail M. Gladstone Mark F. Goldin Susan Goldman Jose P. Goncalves Peter J. Goodman George R. Gordon Shelina Graves Brigitte E. Greene Evan Greene Cheryl J. Grossman Vaugerard Guerrier Alex M. Guiseppone Ronald P. Guzas David K. Guzzetta Leesa Haas Anne Hagen Suzanne L. Hahn Anita Halvatzis Michael M. Han Robert L. Harding Lisa Healy Clifford H. Hecht Kelly A. Hicks Mary W. Hillman Arthur M. Hofbauer Willard P. Hough Lorna M. Howell Anthony Imperato Janet Iveson Irwin S. Izen Robert C. Jacobsen Chandru Jagwani Rajendra Jaikaran RPAC UPDATE By Matthew Arnold, RPAC Co-Chairperson RPAC Day at the Races – Don’t Miss Out on the Fun The horses are on the track...On Thursday, May 1st, LIBOR will be hosting our Annual RPAC Day at the Races at Belmont Race Track. For a $100.00 contribution to RPAC, you will receive a full gourmet buffet, a private betting window, clubhouse admission and a post parade program. Best of all — this event takes place in the elegant and private Turf and Field Club where you will have a scenic view of the entire racetrack. Of course there will be lots of fun, auction items, incredible networking and you get the satisfaction of knowing that you are supporting RPAC! This great event, which has become a favorite of many REALTORS®, will surely sell out quickly. Space is extremely limited so register today! What a fantastic way to celebrate the arrival of Spring by joining us on May 1st at Belmont Racetrack. You must pre- register for this special event and no tickets will be sold at the door. You may register online by visiting: www.mlsli.com/DayAtTheRaces. With Election Day quickly approaching — it has never been more important to become politically active. Yes we need all REALTORS® to get out and vote for the elected officials who support our industry — but it is just as important for these same REALTORS® to contribute their fair share to RPAC so we can support these same legislators. If all 26,000 members of LIBOR contributed to RPAC — we would wield even more political clout! Stay tuned for more exciting RPAC events to follow. John L. Juliano Janet M. Kalman Morton Kaplan Lee D. Kelmenson Linda Kettering Gullbahet Y. Khanat Catherine Kolsch Tony Koskinas Irwin R. Krasnow Sidney Kwintner Mark T. Laffey Kelly Lagoudis Mei Ying Lai Hing C. Lam Pamela G. Lanigan Ann M. Lasker Sheila Lawrence Joann Lee Sejeh Lee Charles Lefkowitz Sandi Lefkowitz Alice Y. Leung Lisa M. Lilly Jack LoBiondo Kevin N. Loiacono Brian P. Lomot Shiu Fang Lou Charles Lovell Rita J. Lowry Samuel Lozado Anthony Lubrano Johnstone S. Ma Thomas J. Macaluso Louis J. Macari Jorge L. Machado Hattie Mack Deepnarain Mahadeo Neal W. Mandel Daniel C. Mandell John F. Maniec Christopher F. Mansfield Jean Mansueto Francesco S. Marino Judy S. Markowitz Gerard M. Marrone Bethany D. Marten Kathryn A. Martin Vito Martinico Trevaris J. Mason Anthony Mastrobuoni Patricia G. Maude Thomas J. McCarthy Tracey A. McCauley Joanne McEvoy Peter McGeough William E. Meier Glenn A. Messineo Anna Miloscia Lionel A. Mohabir Nazim K. Mohamed Gloria C. Molloy Ferenc Molnar Jenny L. Montalbano Richard Montemarano Alice H. Morabito Tara E. Moreno Jo An Morris Joseph M. Moshe Fina Musso Paul P. Napolitano John F. Navaretta Barry C. Nelson James A. Netter Gisela I. Nightingale Lynn Nunes Michael O’Donnell Virginia O’Dwyer Almog Ohayon Bruce A. Orr Maria K. Paleatsos Shu Na Pan Vincent C. Papa Maureen Papalas Chi Kun Park Young D. Park Thomas J. Parkes Francis A. Paruolo Antonio J. Patino Denise Perfido Haimraj Persaud Helena Pesa Linda J. Petralia James A. Phillips Renee Phillips Gilbert A. Picard* Renilda Pichardo Joseph Picone Rosetta L. Pirillo William F. Pisani Donna M. Pitrelli Marc I. Plotnick Anthony Podias Thomas M. Potter Peter Prashad Rose Marie Princi Rudolph Princi Lihua Qiao James Radosta Mohammed A. Rahman Virginia A. Rallis Mark Ramjeet Eric G. Ramsay Janine M. Rayano Donna Reardon Mary J. Rice Michael Richman Carl W. Riese Asia Roberts Francis Seibert L. Robinson Gloria I. Rodriguez Diana M. Romano Frank J. Romano Lee Rothleder Harriet M. Rowan Todd Roy Thomas Ruddy Laura Ruhnke Shiraz Saeed Kristen A. Salvatore Geraldine S. Sapanaro Angela M. Scaldaferri Michael D. Schaier Marlena C. Schein Henry I. Serrano Henry A. Setaro Ali A. Sikder Yvonne F. Simmons Krishna Singh Trinity L. Singh Andrea Soho Angel Soto Carol A. Sparaco Jenifer A. Steig Kitty P. Stein Rishee Subick Dave Surujnarain Madan P. Surujpaul Marie Svec Thomas F. Tabone Deepak Taneja Helen K. Taveras Kelley J. Taylor Lawrence A. Tesch Leo S. Testa John Testaiuti Mildred Thomas Carrie Tong Jordan E. Trager Todd A. Triolo James Tsempelis Danielle Tylutki Raspanti Hafiz Uddin Paul A. Underwood Frank S. Urso Vincent Vaiano Valerie Van Cleef Charlotte Vanderwaag Anthony R. Vecchio Hernando Villamil Anthony P. Vitale Cynthia Walsh Barbara J. Wanamaker Kathy J. Werler Edward F. Wilson Christopher J. Winchester Jamie C. Winkler Richard M. Witt Huiyan Wu Lana Yee Wei Zhu GOAL GOAL $404,000 $404,000 Total Total As As Of Of April April $175,000 $175,000 PLEASE NOTE — due to space limitations, the contribution date range of 2/28/08-3/24/08 was used for the Less than $99 category. LESS THAN $99 ($20 TO $98) Farid Adhami Sabbir Ahmed Anthony G. Albergo Dina A. Ambrosecchia John Angus Robert S. Barrett Deborah N. Brockner Moshe Bukaie Colleen Callanan Bonnie Lee Cashmore Lisbeth Certa Spencer D. Chin Geraldine Condy Muriel C. Cullen Querino M. D Abreu Renee M. Dahl Nicole DiPaolo Peter A. Dracker Shahrokh Eslamboly Joseph F. Esparza Helene Fastman Debra Fiscaletti Kelly J. Jackson Alissa A. Johnson Robert W. Kelly Mara Krimnus Kate Landsdorf Anthony J. Legotti Jeanne Lofgren Mario J. Lombardo Christina A. Marano Cathleen Matera *THESE LIBOR MEMBERS HAVE PLEDGED RPAC CONTRIBUTIONS. REALTOR® Receives 2007 RPAC Sterling R Plaque RPAC Co-Chair Audrey Livingstone presented Paul Wernersbach with his 2007 RPAC Sterling R Plaque at the recent Board of Directors meeting held in March. Martin D. McDonough Magdi M. Mikhail Nancy L. Mollura James Mooney Nancy Mosca Spiros Moustakas Kerri-Ann Murphy Schlomann Timothy M. Nese Cathleen Nolan Philana M. Overstreet Maria G. Pedro Roopnarine Persaud Daniel J. Regan Ashik E. Reza Jacqueline L Richardson Richard J. Riley Ivan Rodriguez James C. Salamea Camelia Scardino Paul Scardino Edward T. Schiff Anthony Sirotka Kendra Stryska Cheng Yu Su Ka Ki Tam Michael L. To Stephanie J. Trahan Anthony L. Valenti Carol R. Valenti Ramona Victalino Mariana R. Vinberg Esther Warren Makeda C. Watkins Teresa Weber Laurie E. Williams Marcina J. Willie Mei Zheng In response to a question from the New York State Association of REALTORS® (NYSAR), the Department of State (DOS) has recently clarified its regulation concerning disclosure of commissions where a broker is being paid by both parties to the transaction. Regulation 175.7 requires that in such a case there must be “full knowledge and consent of all parties.” NYSAR raised the question as to whether the regulation required a buyer’s broker who is being paid a cooperating commission by the seller and also a commission by the buyer, to disclose to the seller the amount of commission being paid to the buyer’s agent by the buyer. The DOS answered that the buyer’s agent need only disclose the fact that they were being paid by the buyer as well as the seller to the seller or the seller’s agent, but not disclose the amount they are being paid. Since the buyer is the buyer’s agent client, the buyer’s agent must disclose both the fact that they are being paid by the seller and the amount they are being paid by the seller to the buyer. The complete text of the DOS interpretation is as follows: NYSAR has asked whether 19 NYCRR §175.7 requires disclosure by a buyer’s broker to the seller’s agent of all the terms of the buyer’s broker representation agreement when seeking a co-broker split. 19 NYCRR § 175.7 provides: “[a] real estate broker shall make it clear for which party he is acting and he shall not receive compensation from more than one party except with the full knowledge and consent of all parties.” Generally speaking, the regulation requires: “that real estate brokers clearly state for which party they are acting.” Almo v. Shaffer, 149 A.D.2d 417 (N.Y.A.D. 2 Dept., 1989). The underlying administrative decision which was confirmed by the appellate court opined that “[19 NYCRR 175.7] places a heavy burden on the broker: ‘to make it clear’ what the state of facts are. It is the broker’s responsibility to be sure that the person with whom he or she is dealing understands, and the broker may not rely on the assumption that such person has knowledge of the general usage of the industry.” DLS v. Almo et al. 24 DOS 87 at 3. The disclosure requirement of section 175.7 are similar to the disclosure requirements under NY RPL § 443 insomuch as it is intended to protect the public from undisclosed arrangements which could affect a broker’s fiduciary responsibility to his or her principal. See generally, DLS v. Seplow, 24 DOS 95. It is well settled that a broker’s disclosure complies with NY RPL § 443 upon presenting the statutory disclosure form to the parties to the transaction. DLS v. Tenteromano et al. 25 DOS 95. In addition, the broker must always be cognizant of: “[t]hose fiduciary duties [imposed by the agency relationship which] include three fundamental obligations: of obedience that instructs the real estate broker to comply with the legal directions of a principal; of full and fair disclosure that places an affirmative duty upon the real estate broker to fully and fairly disclose to a principal every fact known to the agent that might affect the principals’ interests in the agency...; and of good faith and undivided loyalty that forbids the real estate broker from advancing any interest in an agency relationship that is adverse to the interests of the principals without the principals’ informed consent.” Seplow. From the foregoing, it would appear that so long as the broker who is attempting to facilitate a co-broker split makes it absolutely apparent who that person is representing in the transaction and how much they are receiving in the co-broker split, the disclosure obligations would be fulfilled and the general intent to safeguard against undisclosed interests which could affect he agent’s obligations is satisfied. Therefore, 19 NYCRR § 175.7 does not require that when such a co-broker split is made that the buyer’s broker disclose to the seller and the seller’s agent all the material terms of their agreement provided that all the parties, including the broker’s principal, are at least made aware of the agreement and the amount which is being offered in the split. Homeowners Take First-Ever Tax Deduction for Mortgage Insurance Many qualified taxpayers are preparing to claim their first-ever tax deduction for mortgage insurance premiums on home loans that closed in 2007. The tax deduction was first approved by Congress in late 2006 and applied to loans with mortgage insurance that closed in 2007. In an important move to further assist borrowers, Congress voted in December of last year to extend the mortgage insurance tax deduction through 2010. Extension of the tax deduction for mortgage insurance premiums was part of the Mortgage Forgiveness Debt Relief Act of 2007. The deduction allows households with an adjusted gross income of $100,000 or less to deduct the full cost of their government or private mortgage insurance premiums on their federal tax returns. Families with incomes between $100,000 and $109,000 are eligible for a reduced deduction. “For the first time, many low- and moderate-income families who purchased homes with private or government mortgage insurance, will be able to deduct those premiums when they file their 2007 federal tax returns next month,” said Kevin Schneider, President of the Mortgage Insurance Companies of America (MICA). “On average, this year‚s tax break could be worth $350 per taxpayer — an annual deduction that qualified homeowners can take each year through 2010.” Source — PR Newswire Proposed RESPA Rule Published On March 14, 2008, the Federal Register published HUD’s long awaited proposed regulation on the Real Estate Settlement Procedure Act. The 94-page proposed regulation includes, among other things, a mandatory four-page Good Faith Estimate (GFE) and a modified HUD-1/1A, a required “closing script” that must be read orally at settlement, enhanced disclosures and new rules concerning volume discounts, average cost pricing and “Required use.” There will be a 60-day public comment period which expires on May 13, 2008. NAR will study the proposal and file formal comments with the Department of Housing and Urban Development. Visit www.realtor.org to view a copy of the complete 94 page report. IMPORTANT INFORMATION... PLEASE NOTE THE NEW PHONE AND FAX NUMBERS FOR LIBOR’S LEGAL HELPLINE: Phone (631) 236-4105 Fax (631) 236-4110 THE REALTOR® Commission Disclosure The increase in complexity in the Brokerage market place corresponds to more disputes between Realtors concerning who is entitled to the commission in particular cases. These disputes are fairly and quickly resolved through LIBOR Mediation and Arbitration. If you are involved in one of these proceedings, there is an important rule you should know. Each party to an arbitration must provide the opposing party with a copy of all documents they intend to use to prove their case, and the names of all persons who they intend to call as witnesses, at least ten days prior to the date of the hearing. This is done by sending copies of the documents and the names of the witnesses to LIBOR. The documents can be sent by mail, fax, or e-mail. A failure to abide by this requirement could result in the panel rejecting that evidence at the hearing with the result that you might lose a case you would otherwise have won. This rule may seem harsh, but its purpose is to protect the party against whom the evidence is to be submitted from surprise. By exchanging all the documents and the names of all the witnesses, each party can adequately prepare their case and the arbitrators are provided with the full information necessary for them to make a wise and fair decision. It is of utmost importance that all parties are treated fairly and get the opportunity to fully present their case. What happens then when one of the parties submits evidence less than ten days prior to the hearing date? The Arbitration Chair will decide whether or not to accept the evidence for consideration at the hearing. The burden is placed upon the party introducing the evidence to convince the Hearing Panel that it should be accepted. That means that if you have not sent the documents or the names of the witnesses to LIBOR as the rule requires, you must explain why you failed to do so. The Chair will consider the reasonableness of your excuse in deciding whether or not to allow you to put the document in evidence or to call the witness. Other factors which will influence the Chair’s decision are how late was the exchange. There is a difference between a document which was exchanged one day late and a document which is first shown to the other party at the Hearing. The Chair will also consider the relevance and materiality of the evidence being offered, and the opposing party’s opportunity to adequately review that evidence and meet it with his or her own evidence. That is whether or not there was real harm to the party against whom the late evidence is being offered. The Chair will consider whether or not the late document was already in the possession of the opposing party or whether the undisclosed witness was known and available to both parties. If there is no surprise or harm in allowing the document to be considered by the Arbitrators or allowing the witness to testify, the Chair may allow the evidence even though it is exchanged late. The Panel will also want to know whether or not the opposing party had already submitted rebuttal evidence, whether in the form of a document or a witness, to that evidence which is being submitted late. The Chair will weigh all these factors in deciding whether or not to allow the evidence to be part of the case. Today’s commission disputes often involve tens of thousands of dollars. With that much money at stake it is foolish to run the risk that an important part of your arbitration case may never be considered by the Arbitrators simply because you did not comply with the ten day rule. DON’T LET THE TEN DAY RULE BITE YOU!! If you are a party to arbitration, make sure that you submit your evidence to LIBOR at least ten days prior to the date of the hearing. ● Goldson, Nolan, Connolly, Nasis & Dornfeld, P.C. The Ten Day Rule May Bite You!! By Howard W. Goldson and Doreen J. Spagnuolo April 2008 By Howard W. Goldson ● COUNSELOR’S COMMENTS 25 LEGAL/GOVERNMENTAL 26 ● April 2008 ● THE REALTOR® ETHICS & RULES ETHICS...THIS MONTH’S TOPICS Case #3-7: Time at Which Modification to Offer of Compensation is Communicated is a Determining Factor REALTOR® A listed Seller X’s home and filed the listing with the MLS. The property data sheet indicated the compensation REALTOR® A was offering to the other Participants if they were successful in finding a buyer for Seller X’s home. During the next few weeks, REALTOR® A authorized several Participants of the Multiple Listing Service, including REALTOR® C, to show Seller X in discussing possible means of making the property more salable, agreed to reduce the listed price. REALTOR® A also agreed to lower his commission. REALTOR® A changed his compensation offer in the MLS and then called the MLS Participants who had shown Seller X’s property to advise them that he was modifying his offer of compensation to cooperating brokers. Upon receiving the call, REALTOR® C responded that he was working with Prospect Z who appeared to be very interested in purchasing the property and who would probably make an offer to purchase in the next day or two. REALTOR® C indicated that he would expect to receive the compensation that had been published originally in the MLS and not the reduced amount now being offered to him, since he had already shown the property to Prospect Z and expected an offer to purchase would be made shortly. REALTOR® A responded that since Prospect Z had not signed an offer to purchase, the modified offer of compensation would be applicable. The following day, REALTOR® C wrote an offer to purchase for Prospect Z. The offer was submitted to the Seller by REALTOR® A and was accepted. At the closing, REALTOR® A gave REALTOR® C a check for services in an amount reflecting the modified offer communicated to REALTOR® C by phone. REALTOR® C refused to accept the check indicating that he felt REALTOR® A’s actions were in violation of the Code of Ethics. REALTOR® C filed a complaint with the Board’s Grievance Committee alleging violation of Articles 2 and 3 on the part of REALTOR® A citing Standard of Practice 3-2 in support of the charge. During the hearing, REALTOR® C stated that REALTOR® A’s modification of the compensation constituted a misrepresentation through concealment of pertinent facts since he had not provided REALTOR® C with specific written notification of the modification prior to the time REALTOR® C began his efforts to interest the purchaser in the listed property. REALTOR® A defended his actions by indicating that timely notice of the modification of compensation offered had been provided to REALTOR® C by telephone prior to REALTOR® C obtaining a signed offer to purchase. REALTOR® A also indicated that his modified offer of compensation had been bulletined to all Participants through MLS REALTOR® A also noted that in accordance with Standard of Practice 3-2, the modified compensation offer had been communicated to REALTOR® C prior to the time the purchaser signed an offer to purchase. REALTOR® A also commented that had REALTOR® C produced the signed offer to purchase prior to REALTOR® A communicating the modified offer, then REALTOR® A would have willingly paid the amount originally offered. Based on the evidence presented to it, the Hearing Panel concluded that REALTOR® A had acted in accordance with the obligation expressed in Standard of Practice 3-2 and consequently was not in violation of Articles 2 or 3. Case#16-13: Dealings Initiated by Another Broker’s Client REALTOR® A, a residential broker, had recently listed a home. REALTOR® A’s marketing campaign included “open houses” on several consecutive weekends. One Sunday afternoon Buyer B came to the open house. REALTOR® A introduced herself to Buyer B and asked whether Buyer B was working with another broker. Buyer B responded that he was, in fact, exclusively represented but went on to add that he was quite familiar with the property as it had been previously owned by a close personal friend. REALTOR® A told Buyer B that she would be happy to show Buyer B through the home but reminded Buyer B that she represented the seller and not Buyer B. After viewing the home, Buyer B indicated that he had pressing business travel plans, was seriously interested in the property, and requested REALTOR® A’s assistance in preparing a purchase offer. REALTOR® A assisted Buyer B in filling out a standard form purchase contract and later that day presented the offer to the seller who accepted it. REALTOR® A was subsequently charged with violating Article 16 for dealing and negotiating with a party who had an exclusive relationship with another REALTOR®. The Hearing Panel agreed with REALTOR® A that she was the seller’s exclusive representative and had not represented the buyer and concluded that her conduct had not violated Article 16, as interpreted by Standard of Practice 16-13. The Ethics case published in this issue have been chosen by the 2008 Chairperson of the Professional Standards Committee, Tony Smith. #OME*OIN5SAT"ELMONT2ACE4RACK 7HEN 4HURSDAY-AY "UFFET,UNCH PMTOPM ST2ACE"EGINS PM !MOUNT #HECKSMADEPAYABLETO20!# 4HEFULLAMOUNTWILLGOTOWARDSYOUR20!#CONTRIBUTION )NCLUDES &ULL'OURMET"UFFET0RIVATE"ETTING7INDOW#LUBHOUSE !DMISSION0OST0ARADE0ROGRAM4AX'RATUITYAND,/43/&&5. 4HEREWILLBEAUCTIONS WITHGREATPRIZES 2EGISTERONLINE ZZZPOVOLFRP'D\$W7KH5DFHV ?????????9 9 % 3) WILLATTENDTHE$ AYATTHE2 ACES .AME /FFICE !DDRESS #HECK% NCLOSEDPAYABLETO20!# CREDITCARDEXP SIGNATURE -AILYOUR20!#CONTRIBUTIONALONGWITHTHISFORMORCALLWITHYOURCHARGE , ) " / 2 2 0!# 3UNRISE( WY7 EST" ABYLON. 9 !TTENTION-ARYANN( ORAN EXT <RX0XVW3UHUHJLVWHUIRUWKLV(YHQW GHDGOLQHLV 1R7LFNHWV:LOOEH6ROGDWWKH'RRU &RQWULEXWLRQVDUHQRWGHGXFWLEOHIRUIHGHUDOLQFRPHWD[SXUSRVHV&RQWULEXWLRQVWR53$&DUHYROXQWDU\DQGDUHXVHGIRUSROLWLFDOSXUSRVHV<RXPD\UHIXVHWRFRQWULEXWHZLWKRXWUHSULVDORIHDFKFRQWULEXWLRQLVXVHGE\1HZ <RUN6WDWHWRVXSSRUWVWDWHDQGORFDOSROLWLFDOFDQGLGDWHV7KHEDODQFHLVVHQWWR1DWLRQDO53$&WRVXSSRUW)HGHUDO&DQGLGDWHVDQGLVFKDUJHGDJDLQVW\RXUOLPLWVXQGHU86&D 27 Source: Nido Qubein, Frog Pond Group LIBOR Awards Nomination Form Dear LIBOR Member, As you may already know, each year LIBOR recognizes five REALTOR® members — who will be the recipients of the five awards listed below. These prestigious awards are presented at the Annual LIBOR/MLS Installation & Awards Dinner Dance in November. Please take a moment to consider someone you know or may have done business with, who is truly deserving of one of these awards. ALL NOMINEES MUST BE LIBOR MEMBERS IN GOOD STANDING. To assist you in your decision, please read the Awards Criteria below: 2008 LIBOR AWARDS CRITERIA ■ ■ ■ Minimum requirement is 5 years in real estate — excluding current LIBOR president & LIBOR immediate past president. COMMUNITY SERVICE Award...based on the type & amount of community involvement, physical contribution, no monetary compensation, must be a REALTOR® in good standing and can only win once. ■ LIFETIME ACHIEVEMENT Award... must be a current, active LIBOR member in good standing, with a minimum of 35 years in real estate and a minimum of 30 years as a REALTOR®, with service and/or contributions to LIBOR, community service and NYSAR & NAR involvement. ■ REALTOR®-Broker of the Year Award...based on an individual's contribution to LIBOR, State Association involvement, National Association involvement and their educational/real estate designations. REALTOR®-Salesperson of the Year Award...based on an individual's contribution to LIBOR, State Association involvement, National Association involvement and their educational/real estate designations. Minimum requirement is 3 years in real estate. REALTOR®-Affiliate of the Year Award...must be an individual from an Affiliate-Member Firm of LIBOR in good standing who has supported LIBOR by sponsoring Board activities, is actively involved on a committee(s) & participates in chapter functions/meetings. ★ ★ ★ Testimonials Are Always Welcome ★ ★ ★ Please consider the following REALTOR® member as a CANDIDATE for the award indicated above: Name of Nominee: ______________________________________________________________________ Office: ________________________________________________________________________________ Nominated by: ________________________________________________________________________ Kindly submit or fax this form to LIBOR — NO LATER THAN JUNE 16, 2008 Any questions, call Connie at LIBOR, ext. 361 or email: caiello@mlsli.com • Fax: 631-661-2103. Thank you for your participation. MOHSEN ZANDIEH President DANIEL RYAN, SR. 2008 Awards Committee Chairman DOCUMENT-ON-DEMAND #153 NYS Awards Nomination Form Dear LIBOR Member, The LIBOR Board of Directors has recommended that nominations for the NYS Award listed below will be solicited from the LIBOR membership. The winner will be selected by the LIBOR Awards Committee. The award recipient will be announced and honored at the NYSAR Fall Business Meetings in September. Please take a moment to consider someone you know or may have done business with who is truly deserving of this award. In order for nominees to be considered an award candidate, ALL NOMINEES MUST BE LIBOR MEMBERS IN GOOD STANDING. To assist you in your decision, please read the NYSAR Award Qualification/Criteria below: 2008 NEW YORK STATE ASSOCIATION OF REALTORS® AWARDS QUALIFICATIONS/CRITERIA ...that the criteria for the NYS REALTOR® of the Year Award include: 10 years NY State Association service including leadershp positions in the local Board & NAR. Community Service • Local Board Activities • Business Accomplishments • Minimum requirement is 5 years in real estate. Nominees may be Brokers and/or Associate Brokers. ★ ★ ★ Testimonials Are Always Welcome ★ ★ ★ Please consider the following REALTOR® member as a CANDIDATE for the NYS REALTOR of the Year Award: Name of Nominee: ______________________________________________________________________ Office: ________________________________________________________________________________ Nominated by: ________________________________________________________________________ Kindly submit or fax this form to LIBOR NO LATER THAN MAY 16, 2008. Any questions, call Connie at LIBOR, ext. 361 or email: caiello@mlsli.com • Fax 631-661-2103. Thank you for your participation. MOHSEN ZANDIEH President DANIEL RYAN, SR. 2008 Awards Committee Chairman DOCUMENT-ON-DEMAND #154 THE REALTOR® If there are no questions, there's likely to be no understanding. Be suspicious when you encounter too much nodding agreement. A person who understands what you're saying will usually find something to elaborate on or to disagree about. 3. Use clear, simple language. Avoid slang, and be aware that idioms can confuse the newcomer to English. Idioms are expressions in which words take on meanings that are quite different from their dictionary definitions. I know first-hand the difficulty of comprehending idioms and slang. I learned English as a second language after I came to this country. Idiomatic expressions that make perfect sense to people who grew up speaking English can be bewildering to someone who grew up speaking another language. For instance, when you say "I give up," you mean "I surrender," "I quit," or "I yield." But the newcomer to the English language may be puzzled. What does it mean to make a gift in an upward direction? Idioms are important tools of communication, and newcomers to English must learn them just as they must learn individual words. But be aware that you may occasionally have to explain carefully what you mean. 4. Provide thorough orientation. Be sure your new employees are acquainted with the roles of the key people they'll be dealing with. Who is the team leader? Who is the supervisor? Who is the department head? Let them know whom to go to for advice, instructions and answers to questions. 5. Learn about minority cultures. When you're dealing with people from another background, learn as much about them as you can. Go to the encyclopedia or to the card catalog at the library. Find out whether there are ethnic organizations that might provide some information. Ask for help from a member of that ethnic group who has already fully adapted to the American culture. And ask the newcomers themselves. 6. Assign mentors. Mentoring can be used as an adjustment tool for immigrants. The ideal mentor would be one who is familiar with both cultures. If such a person is not available, then look for someone with an abundance of friendliness, tolerance and tact. Give mentors good orientations into the minority culture and let them know what to expect in the way of behavior or reactions. 7. Seek their suggestions and comments. This can give minorities a sense of belonging to the group. Some people may be reluctant to provide open criticism, even in the non-threatening environment of a focus group. So the wise executive will provide a system for employees to make comments and suggestions anonymously. That way, you get the benefit of feedback and nobody loses face. 8. Maintain cultural profiles. If a number of different cultures are represented in your work force, it might be helpful to prepare cultural profiles for each employee from a minority culture. Make this profile a part of the employee's personnel records. The profile might contain information on language, religion, food customs or restrictions, the political system in the homeland, national and religious holidays, and customs that might affect work habits. Diversity has always been a part of our national strength. You can make it a part of your corporate strength, too. ● America is still the great melting pot, and our cultural diversity is a reflection of global diversity on a grand national scale. The 30 million African-Americans among us outnumber the populations of 42 of the 47 countries on the African continent. Only four countries in Latin America have populations greater than the Hispanic population of the United States, which now numbers 22.5 million people. Non-Hispanic whites still constitute the majority of the American population, but at some point during the 21st century, they will simply be the largest of several minorities. The growing diversity in the work force poses many challenges for employers. The language barrier is an obvious one. In many cases, companies have found it advantageous to offer their employees courses in English as a second language. The Honeywell Corporation instituted English-language courses for the Vietnamese, Laotians and Cambodians in its Minneapolis work force; it also provided instruction in Asian languages for its American-born personnel. One way to establish lines of communication with other cultural groups is to organize special-interest groups for ethnics within the work force. You then can meet with them and let them tell you about their problems and concerns. Remember that people from different backgrounds send and receive messages through cultural filters. I've learned that words, expressions and gestures that mean one thing in a given culture may mean something else in another culture. A term that may seem perfectly harmless to you may be offensive to someone from another ethnic group. A gesture that may be offensive to you may be a friendly communication to someone from another culture. How can we know what to do and say when dealing with people of other ethnic and cultural groups? First, find out what terms and expressions are offensive to minority ears. Avoid slang words that refer to people of different racial, ethnic or national minorities. Don't use them, even in joking. English is a precise language, but it is perceived as blunt by many speakers of other languages. Americans often pride themselves on "straight talk" and "telling it like it is." This is a turn-off to Japanese workers, who practice "ishin-denshin" — communication by the heart. To the Japanese, the truth lies in the things you imply, and is not openly stated. Vagueness is preferred to precision. If you're too explicit with the Japanese, they take that as the mark of a know-it-all. "Saving face" is an important consideration in some cultures, and this may influence the way people respond to you. If you say "Do you understand?" to someone from an Asian culture, you may get a polite "yes" when the employee has no idea what you're talking about. If they say "No," it can only mean one of two things to many Asians: They're too dense to comprehend or you are a poor instructor. In such cases, it's important to watch the face. It's hard to disguise puzzlement, and it's usually easy enough to tell whether the face comprehends. Here are some other suggestions for dealing with multi-cultural challenges in the work place: 1. Ask for feedback. If your listener repeats what you've said exactly in your words, you probably didn't get through. 2. Listen for questions. April 2008 Cultural Diversity: Our Future ● PROFESSIONAL DEVELOPMENT 28 ● April 2008 ● THE REALTOR® COMPUTER EDUCATION 22.5 HOUR STRATUS CERTIFICATION GET STRATIFIED!!! APPROVED FOR 22.5 HOURS NYS CONTINUING EDUCATION CREDIT 3 day hands-on program completes your 2 year continuing education requirement and makes you a Stratus WIZ! Approved for 22.5 hours CE credit. Class covers Searching, CMA, Contacts, Update, Public Records/Mailing Labels, Prospect Match, Info Center, E-Mail, Custom Reports, Contacts, Add/Edit, Photo Upload. 3 DAYS • 9:00 A.M. – 5:30 P.M. • 22.5 HOURS OF CE CREDIT EVENING CLASSES ARE 5 DAYS FROM 5:00PM – 9:30PM TUITION: $225 LIBOR Members; $250 Admin. Staff (Letter Must be on File) Woodbury . . . . . Apr 8, 10 and 11 West Babylon . . . Apr 16, 18 and 23 Riverhead . . . . . Apr 28, 29 and 30 Woodbury . . . . . May 3, 10 and 17 (Saturday Classes) Woodbury . . . . . May 12, 14 and 16 Jackson Heights . May 14, 15 and 16 West Babylon . . . May 15, 19 and 30 REGISTER ON LINE AT MLSLI.COM OR CALL TO REGISTER 631-661-4800 EXT. 21 OR 718-429-8666 OR 631-369-6148 OR 516-284-5413 SEATS ARE LIMITED! Pre-Requisites: Student must be comfortable using the mouse, Windows scrollbars and have basic Internet skills. All registrants will be screened to determine ability. Any student who is not a regular computer user should take “Computer Essentials” prior to registering for this course. PROFESSIONAL DEVELOPMENT FREE STRATUS DEMO MLS STRATUS DEMO — FREE Three hour lecture demonstration (NOT hands-on). Instructor will show the Stratus system on an overhead projector. All functions of Stratus will be covered: Searching, CMA, Update, Info Center, Public Records, Add/Edit, Prospect Match, Contacts. All members welcome — reservations are a MUST! 3 Hours (1 meeting) NO PRE-REQUISITES. 3 HOURS CE NOW AVAILABLE. LIBOR MEMBERS WITHOUT CE: FREE LIBOR MEMBERS WITH CE: $25 West Bablyon . . . Apr 17. . . . . . . . . . . . 9:30am – 12:30pm Jackson Heights . Apr 4 . . . . . . . . . . . . 10:00am – 1:00pm Riverhead . . . . . May 9 . . . . . . . . . . . . 10:00am – 1:00pm Woodbury . . . . . May 5 . . . . . . . . . . . . 10:00am – 1:00 pm 3.75 HOUR STRATUS HANDS-ON 3.75 HOUR HANDS-ON STRATUS COMPUTER COURSES EARN CE CREDITS $59 Each Class — LIBOR Members OR Ask About our 2, 3, or 4 Class Package and $ave! PLEASE CALL DENISE RIVERA AT 631-661-4800 XT. 385 FOR MORE DETAILS. *4 STRATUS CLASSES CONSIST OF SEARCHING LEVEL 1 & 2, STRATUS CMA AND PUBLIC RECORDS CANCELLATION POLICY: Students who cancel up to 3 business days before class can receive a full refund. NO REFUNDS thereafter. Students who cancel less than 3 business days before start date will receive a LIBOR Education Credit to be used within 1 year. No Shows Forfeit Tuition. LIBOR reserves the right to cancel a class if the minimum enrollment is not met. TO REGISTER FOR GENERAL AND COMPUTER EDUCATION PROGRAMS: • REGISTER BY TELEPHONE OR FAX: REALTOR Service Centers West Babylon . . . . (631) 661-4800 • Fax (631) 661-2103 Jackson Heights. . (718) 429-8666 • Fax (718) 429-6959 Riverhead . . . . . . . (631) 369-6148 • Fax (631) 369-6172 Woodbury . . . . . . . (516) 284-5413 • Fax (516) 284-5415 • MAIL YOUR REGISTRATION:* Realtor Building, 300 Sunrise Highway, West Babylon, NY 11704, Attn: Education Department *This registration option is not available for Computer Classes. • TO REGISTER ON-LINE OR FOR DIRECTIONS, VISIT OUR WEBSITE AT MLSLI.COM INFORMATION: COURSE CONFIRMATIONS: A confirmation letter will be mailed to you approximately one week before the course start date. If you do not receive one by then, please phone us. FLYERS, LETTERS AND MAILING LABELS: Microsoft WORD for the Real Estate Professional TECHNOLOGY LECTURES Jackson Heights . Apr 22. . . . . . . . . . . . 9:00am – 12:45pm LEADS & LABELS WITH STRATUS RECORDS Take a private tutoring session for 2 hours! Discounted cost of $99 (Cost can be shared by two students under one registration). The instructor will review any questions/problems YOU have. The instructor will show YOU exactly what YOU want to know. PREREQUISITES: Must have taken Stratus Certification or the 4 Stratus classes* within the last year of taking this tutoring session to receive the discounted price of $99.00. Calling all frustrated computer users! Are you TIRED of asking for help? Learn how to find lost files, create new folders, change your desktop, install and uninstall computer software and much more using WindowsXP. You will also learn to search the Internet for helpful websites using the most popular search engines such as Google and Yahoo. See how easy it is to navigate around the Web and find the information you need. You'll do some searching for real estate websites in your town and find out what your competition is up to! 4 hours hands-on (1 Meeting) PREREQUISITES: NONE. NO CE AVAILABLE. TUITION: $29 LIBOR Members/$39 Non Members Woodbury . . . . . May 8 . . . . . . . . . . . . 10:00am – 2:00pm For Complete Course Descriptions Log Onto www.mlsi.com/education MAXIMIZE YOUR STRATUS SEARCHES — SEARCHING LEVEL 2 PRIVATE INDIVIDUAL HANDS ON TUTORING STRATUS CERTIFICATION OR 4 STRATUS CLASS* Graduates Need A Refresher??? COMPUTER ESSENTIALS USING WINDOWS XP AND THE INTERNET Jackson Heights . Apr 29. . . . . . . . . . . . 9:00am – 12:45pm Jackson Heights . Apr 15. . . . . . . . . . . . 9:00am – 12:45pm POWER LISTING WITH CMA AND OTHER STRATUS TOOLS $169 FOR A 2 HOUR SESSION • NO EXPERIENCE NECESSARY GET AN EXTRA HOUR FOR THE SAME $29 LIBOR MEMBER PRICE Realtors need top notch looking documents to set themselves apart from the competition. Learn how to create property flyers, client letters and mailing labels for mass mailings.This class covers creating and saving new documents, inserting photos, adding borders, changing fonts and other fabulous features to enhance your marketing efforts. 4 hours hands-on (1 meeting) PREREQUISITES: Computer Essentials Using Windows XP and the Internet, or equivalent experience. Student must have some basic familiarity with WORD. NO CE AVAILABLE. TUITION: $29 LIBOR Members/$39 Non Members Jackson Heights . Apr 16. . . . . . . . . . . . 10:00am – 2:00pm Woodbury . . . . . May 23 . . . . . . . . . . . 10:00am – 2:00pm GET INTO STRATUS — SEARCHING LEVEL 1 PRIVATE TUTORING Receive one-on-one training with an experienced LIBOR trainer in our W. Babylon, Riverhead or Jackson Heights training centers. Cost can be shared by two students under one registration. Topics Available: Computer basics, MLS Stratus, Windows, E-Mail, Internet, Word, Excel, PowerPoint, Outlook. GENERAL COMPUTER TRAINING Jackson Heights . Apr 24. . . . . . . . . . . . 9:00am – 12:45pm 7.5 HOUR STRATUS HANDS-ON ALL NEW!!!! 7.5 HOUR STRATUS HANDS-ON CLASSES EARN CE CREDITS $75 Each Class — Take 3 Modules and $ave! GET ORGANIZED WITH STRATUS Become a MARKET EXPERT! Print property lists by street and by price range. Use all the different reports to make it easier to MEMORIZE listings. Design a basic report and print your daily update. Create your HOUSE FARM by isolating 300 public records by street in the area you will target and print simple LABELS to send a marketing piece. Finally, you will get started on your PEOPLE FARM using the Stratus contacts function to track key info on everyone you know! West Babylon . . . May 1 . . . . . . . . . . . . 9:00am – 5:30pm STRATUS TOOLS TO MOTIVATE SELLERS Today’s sellers need information, data and guidance. Develop your skills in preparing a comprehensive CMA using detailed comps(including private sales) and a professional presentation including market plan and market statistics. You will create simple mailing labels to send a listing announcement. You will learn to use the INSTANET online forms and complete the MLS listing form and upload to Stratus. You will upload photos, attach important documents and prepare for showings and the open house. West Babylon . . . May 12 . . . . . . . . . . . 9:00am – 5:30pm West Babylon . . . June 23. . . . . . . . . . . 9:00am – 5:30pm STRATUS TOOLS TO MOVE BUYERS You can’t have buyers knowing more than you do! WOW them with detailed searches, automatic e-mails with prospect match, use the Stratus MAP searches to show the area with schools, shopping etc. You will search public records for possible foreclosures. Learn to print mailing labels from Stratus public records for your prospecting, use the financial calculators to pre-qualify and design custom reports that make sense to your buyers and help move them to sign that contract! West Babylon . . . May 22 . . . . . . . . . . . 9:00am – 5:30pm West Babylon . . . June 30. . . . . . . . . . . 9:00am – 5:30pm GREAT TECHNOLOGY LECTURES REAL ESTATE BLOGS: START A CONVERSATION WITH CONSUMERS $59 LIBOR Members • $99 Non-Members Lecture Class presented by National Trainers: Rudy Bachraty and Joe Ferrara Learn how easy it is to set up a blog and begin „conversing‰ with consumers in your community. You dont need to have a website to set up a blog, and you will see some option for FREE blogs. Use your blogs for „social networking‰ and establish your expertise about your local area. The class will cover how to find a house, creating content and marketing your blog. CE Credit Not Available. West Babylon . . . April 11 . . . . . . . . . . . 9:00am – 4:00pm GET YOUR TECHNOLOGY IN SYNC AND BOOST CUSTOMER SERVICE $59 LIBOR Members • $99 Non-Members Lecture Class presented by National Trainer: Joe Sabella This course will review the options and important things to consider to help you make decisions on purchasing the following tech tools: smartphones, laptops, tablet pc, printers, digital cameras, websites, real estate software and e-mail programs. You will leave with a clearer picture of exactly what tools you need to purchase next, or start using the ones you already have! CE Credit Not Available. West Babylon . . . May 29 . . . . . . . . . . . 9:00am – 4:00pm TOP PRODUCER HANDS-ON COMPUTER TRAINING CLASS TOP PRODUCING with TOP PRODUCER 7i • New Features of 8i will be covered! Don’t miss this class with Amy Chorew of Matthew Ferrara Seminars! Wednesday – April 30, 2008 West Babylon RSC – 346 Sunrise Hwy – West Babylon 9:00 a.m. – 4:00 p.m. $119.00 includes 6 Hours CE Credit For current Top Producer 7i users ONLY…Each student must have an active account PROFESSIONAL DEVELOPMENT LICENSING April 2008 CONTINUING EDUCATION ● CONTINUING EDUCATION 29 REAL ESTATE EDUCATION ● 4/15 4/22 4/28 5/12 — — — — 5/27 — 5/30 — 6/3 — 6/19 — 6/23 — Buying, Listing & Selling Foreclosures Buyer Brokerage & Ethics: The Right Choices❋ Consumer-Based Marketing Disclosure — Insulation from Litigation: Safeguards & Precautions❋ Building A Better CMA; Applying the Principles of Residential Appraising (not a computer course) Our Business Is Changing; Are You Up To Date?❋ Danger Ahead...Proceed With Caution: How To Stop Legal Liability❋ Assisting Sellers in Transacting Short Sales in lieu of the Sellers Losing Their Properties in Foreclosure❋ Commercial Real Estate: All About Leases RSC, JACKSON HEIGHTS, 9:00AM-5:30PM 4/28 — Commission Entitlement, Protection & License Law❋ 4/30 — Property Management: Managing 1-4 Family Homes 5/7 — Risk Management Solutions! What Every Realtor Should Know ✔❋ 5/20 — Counseling Your Buyer Client and/or Customer... How To Spend Less Time with Buyers & Make More Money 5/21 — Digital Presentation Pizzazz 5/22 — Analyzing, Selecting & Managing the Real Estate Investment 6/2 — Mortgage Knowledge To Save Your Deal 6/11 — Disclosure — Insulation from Litigation: Safeguards & Precautions❋ 6/30 — Introduction to Commercial & Investment Real Estate: Tools of the Trade RSC, RIVERHEAD, 9:00AM-5:30PM 5/5 — Assisting Sellers in Transacting Short Sales in lieu of the Sellers Losing Their Properties in Foreclosure❋ 5/13 — Counseling Your Buyer Client and/or Customer...How To Spend Less Time with Buyers & Make More Money 5/29 — Mortgage Knowledge To Save Your Deal 6/4 — Risk Management Solutions! What Every Realtor Should Know ✔❋ 6/25 — Home Inspection Survival Guide for Realtors: Understanding the Process for a Smoother Transaction 6/26 — Disclosure — Insulation from Litigation: Safeguards & Precautions❋ RSC, WOODBURY, 9:00AM-5:30PM 4/25 — Buyer Brokerage & Ethics: The Right Choices❋ 4/29 — Assisting Sellers in Transacting Short Sales in lieu of the Sellers Losing Their Properties in Foreclosure❋ 5/12 — Introduction to Commercial & Investment Real Estate: Tools of the Trade 5/14 — Home Inspection Survival Guide for Realtors: Understanding the Process for a Smoother Transaction 5/28 — Disclosur — Insulation from Litigation: Safeguards & Precautions❋ 6/6 — Don’t You Wish You Hadn’t Done That ?❋ 6/23 — Check Up from Neck Up...A Tune-Up For Agents❋ 6/30 — Mortgage Knowledge To Save Your Deal BEST WESTERN MILL RIVER MANOR, ROCKVILLE CENTRE, 8:30AM-5:00PM 4/16 — Don’t You Wish You Hadn’t Done That ?❋ 5/1 — Danger Ahead...Proceed With Caution: How To Stop Legal Liability❋ 5/19 — Commercial Real Estate: All About Leases 5/29 — Buyer Brokerage & Ethics: The Right Choices❋ 6/16 — Our Business Is Changing; Are You Up To Date?❋ 6/19 — Maximizing Opportunities in the Co-Op Condo Market 6/26 — Buying, Listing & Selling Foreclosures ✔ APPROVED FOR 3 HOURS OF FAIR HOUSING TRAINING AS ❋ REQUIRED BY DEPT. OF STATE FOR THOSE RENEWING THEIR LICENSE AFTER 7/1/08. ALSO APPROVED FOR AND SATISFIES NAR MANDATED ETHICS COURSE REQUIREMENT FOR REALTORS NEEDED BY 12/31/08. CIPS CERTIFIED INTERNATIONAL PROPERTY SPECIALIST DESIGNATION COURSE Presented by LIBOR in conjunction with NYS Assocation of REALTORS. Approved for 7 hours NYS CE credit. To register for CIPS courses, call NYSAR @ 516-463-0300 Dates To Be Announced TUITION: $320 – LIBOR Members; $345 – Non-members. Register 10 Days Early: SAVE $25 ROOKIE NEW AGENT TRAINING COURSE Approved for 7.5 hours NYS CE credit. This course assists new agents in launching their career in the real estate profession. You will learn how to start listing & selling effectively, work with customers & clients, prospect, market & overcome objections, negotiate effectively to close the sale, work within the guidelines of the law & REALTOR® Code of Ethics & MLS Rules, control your success! April 15, 16, 17. . . Woodbury . . . . . . . . . 9:00AM – 1:00PM April 28, 29, 30 . . West Babylon . . . . . . . 9:00AM – 1:00PM May 19-22 . . . . . . West Babylon . . . . . . . 5:30PM – 8:30PM June 30, July 1, 2. . Riverhead . . . . . . . . . 9:00AM – 1:00PM July 9, 10, 11 . . . . West Babylon . . . . . . . 9:00AM – 1:00PM Aug 4, 5, 6 . . . . . Woodbury . . . . . . . . . 9:00AM – 1:00PM Aug 26, 27, 28 . . . Jackson Heights . . . . . 9:00AM – 1:00PM TUITION: w/o CE with CE LIBOR Licensing Students/Members . . .$25 . . . . . .$65 Non-members . . . . . . . . . . . . . . . . . . . .$150 . . . . .$215 REAL ESTATE OFFICE FRONT DESK TRAINING Essential for every real estate office front desk person! Students will learn how to: handle calls from consumers, agents & property information callers; greet customers & clients...Agent Disclosure forms, first-time meeting, information: give or donNt give; schedule appointments & showings, tracking, consistency, state the facts; follow procedure for giving out keys, LIBOR ID, MLS Stratus verification; fill out standard forms, agency lead paint, listing, report of change and much more. June 10. . . . . . . . Jackson Heights . . . . . 9:00AM – 2:30PM TUITION: $45 LIBOR Members & Admin.* • $95 Non-members INSTRUCTOR: Donald Scanlon *Admin will receive the lower fee, if accompanied by a letter from the Member Broker stating that the person works for them. The letter must be received by LIBOR before the class. Fax to: 631-661-2103. MAKING MORE MONEY WITH MORTGAGES Approved for 22 1/2 hours NYS CE credit. This course is for real estate agents & brokers who are seeking the ability to legally participate in the mortgage industry, mortgage companies wanting to train new loan officers and real estate agents wanting to learn more about the mortgage process. May 14, 15, 16 . . . Riverhead . . . . . . . . . 9:00AM – 5:30PM June 24, 25, 26 . . Woodbury . . . . . . . . . 9:00AM – 5:30PM TUITION: $245 LIBOR Members, $345 Non-members INSTRUCTOR: Dominick Sutera FAIR HOUSING AWARENESS IN SALES & RENTALS 3-HOUR CE CERTIFICATE COURSE — Attention Realtors: CE Law change requires fair housing training effective July 1, 2008. A revision to Section 441 of the Real Property Law now requires all real estate licensees who are renewing their license on or after July 1, 2008, to complete 22.5 hours of approved continuing education, three hours of which must include fair housing and/or discrimination of the sale or rental of real property or an interest in real property. This course satisfies that 3-hour requirement. (This new law does not apply to those exempt from the CE requirement.) This fair housing program is guaranteed to provide you with insight for applying the law to “real world” real estate. More Offerings To Be Announced INSTRUCTOR: Don Scanlon, CRB,GRI,CBR TUITION: $25 LIBOR Members, $40 Non-members THE RULES OF THE REAL ESTATE GAME — MLS PROCEDURES & RULES: SITUATIONS AND SOLUTIONS Approved for 3 hours NYS CE credit. Effective participation in the MLS directly impacts your earning ability and helps you avoid penalties and violations. Topics covered include how to properly fill out agreements, getting offers presented, handling multiple offers, registering binders, follow-up to protect yourself and much more. This course is important for new agents! May 16 . . . West Babylon. . . . . . Instructor: Mary Adams June 19 . . . Jackson Heights . . . . Instructor: Hank Cardello July 1 . . . . Woodbury . . . . . . . . Instructor: Don Scanlon August 1 . . Riverhead . . . . . . . . Instructor: Mary Adams TIME: 10:00AM — 1:00PM TUITION: $20 LIBOR Members, $45 Non-members FLORIDA REAL ESTATE BROKER LICENSING COURSE Approved for 22.5 hours NYS CE credit. Through Daniel Taddeo Real Estate School. Complete the course in 7 days without the expense of going to Florida! Now you can take your Florida State Exam here in NY at 1 location in Manhattan. June 2-8 . . . West Babylon . . . . . . . Instructor: Daniel J. Taddeo, PA TUITION: $395 LIBOR Members, $495 Non-members 45-HOUR SALESPERSON QUALIFYING COURSES Riverhead . . . . . 9AM – 5:30PM . . . . Apr. 14-18, 22* Rockville Centre . 9AM – 5:30PM . . . . Apr. 28-May 2, 5* West Babylon . . . 9AM – 5:30PM . . . . May 5-9, 12* Jackson Heights . 9AM – 5:30PM . . . . May 12-16, 19* Woodbury . . . . . 9AM – 5:30PM . . . . May 19-23, 27* West Babylon . . . 9AM – 5:30PM . . . . June 11-13, 16-18* Riverhead . . . . . 9AM – 5:30PM . . . . June 16-20, 23* *Exam date till 6:30PM TUITION: SALESPERSON: $175 – register 5 business days before course; $195 – thereafter. BROKER: $175 – LIBOR Members; $195 – Non-members. 45-HOUR BROKER QUALIFYING COURSES Rockville Centre . 9AM – 5:00PM . . . . Apr. 14-18, 22, 23* Riverhead . . . . . 9AM – 5:00PM . . . . Apr. 23-25, 28-30, May 1* Riverhead . . . . . 9AM – 5:00PM . . . . May 19-23, 27, 28* Woodbury . . . . . 9AM – 5:00PM . . . . June 11, 12, 13, 16-19* West Babylon . . . 9AM – 5:00PM . . . . June 19, 20, 23-27* *Exam date till 7:00PM DESIGNATION & PROF DEVELOPMENT NEW YORK STATE REALTOR INSTITUTE 2008 GRI, SRES & ABR DESIGNATION COURSE OFFERINGS (All NYSAR Classes) Each module approved for NYS CE credit. LOCATION: Realtor Service Center West Babylon • 8:30am – 5:30pm To register for GRI courses, call NYSAR @ 518-463-0300. JACKSON HEIGHTS WEST BABYLON GRI 403 . . . . . . May 28 GRI 401 . . . . . . Sept 8&9 GRI 404 . . . . . . May 29 GRI 402 . . . . . . Apr 24&25 GRI 408 . . . . . . June 4 GRI 403 . . . . . . May 5 GRI 409 . . . . . . Sept 22-23 GRI 404 . . . . . . May 6 GRI 402 . . . . . . Oct 27-28 GRI 409 . . . . . . May 19&20 SRES. . . . . . . . Nov 13&14 GRI 408 . . . . . . June 2 GRI 405 . . . . . . Oct 16 WOODBURY GRI 406 . . . . . . Oct 17 GRI 407 . . . . . . Sept 25 GRI 407 . . . . . . Nov 13 GRI 408 . . . . . . June 3 ABR (Required) . Jun 16&1`7 GRI 405 . . . . . . Oct 20 ABR (Elective). . Oct 7 GRI 406 . . . . . . Oct 21 SRES. . . . . . . . Oct 2&3 GRI 409 . . . . . . Oct 29&30 ABR (Required) . May 6&7 ABR (Elective). . May 8 CBR — CERTIFIED BUYER REPRESENTATIVE DESIGNATION COURSE Approved for 22.5 hours NYS Continuing Education Credit. Apr 22, 23, 24 . . . . Holiday Inn, Plainview. . Before/After 4/1a May 13, 14, 15 . . . West Babylon. . . . . . . . Before/After 4/22b June 17, 18, 19 . . . Holiday Inn Express. . . . Before/After 5/27a Riverhead INSTRUCTOR: aJames V. Pugliese, ABR, CRB, GRI, CBR, CSP, ITI, SRES bMarie Spodek, DRE, GRI TIME: 8:30am – 5:30pm TUITION: Before: $345 LIBOR Members • $375 Non-Members After: $375 LIBOR Members • $405 Non Members NOTARY PUBLIC NOTARY PUBLIC TRAINING SEMINAR Want to become a notary but concerned about the exam? This program prepares by getting you acquainted with the format of the state exam, receive study booklets, application form and instructions, be familiar with types of questions asked and learn what is expected in order for you to be confident and prepared to pass the notary exam. May 9 . . . . Woodbury Sept 8 . . . . Woodbury June 17 . . . Jackson Heights Oct 16 . . . . Jackson Heights July 8. . . . . West Babylon Nov 21 . . . . West Babylon Aug 13 . . . . Riverhead Dec 5 . . . . . Riverhead TIME: 10:00AM – 1:00PM INSTRUCTOR: Sal D’Agate, REALTOR TUITION: $35 LIBOR Members • $55 Non-members THE REALTOR® RSC, WEST BABYLON, 9:00AM-5:30PM 30 ● April 2008 ● THE REALTOR® SERVICES DIRECTORY ATTORNEYS Josma & Associates, LLC .....................................516.629.3200 BUSINESS CAREER OPPORTUNITIES Belle Maison Realty...............................................888.884.4050 Charles Rutenberg Realty .....................................516.575.7500 Coldwell Banker...........................................See Ad on Page 27 Daniel Gale Sotheby’s..................................516.627.4440 x 222 ERA Top Service Realty.........................................718.441.5800 Keller Williams Realty ............................................516.873.7100 Keystone Realty ....................................................800.390.8083 Prudential Douglas Elliman Real Estate ...............631.425.5772 Pulte Homes ...........................................................631.363.3012 RE/MAX of New York, Inc. .....................................516.832.6601 Realty Executives...................................................516.481.6005 Weichert Realtors...................................................800.301.3000 CREDIT REPAIR My Magic Credit ....................................................800.779.8086 INSURANCE/LEGAL Jay S. Gootenberg, RESSI Listingbook Errors & Omissions, Commercial & Personal ...Off: 631.325.9107 Cell: 516.322.7143 Insurance Plus........................................................516.922.1200 Remco Agency.......................................................516.665.2000 NOW AVAILABLE 2008 MEMBERSHIP DIRECTORY 2008 LIBOR MEMBERSHIP DIRECTORY The Long Island Board of REALTORS®, Inc. Where the Real Estate Professional Belongs Order Your Copy Today for Only $30.00 Each (LIBOR Members), Plus Tax and Shipping $45.00 for Non-members Plus Tax and Shipping PLEASE PLACE MY ORDER FOR ____ COPIES OF THE 2008 LIBOR DIRECTORY. Enclosed is my payment totalling $_____________. RETURN ORDER FORM WITH PAYMENT TO: Long Island Board of REALTORS 300 Sunrise Highway, W. Babylon, NY 11704 ATTN: Thelma Name ________________________________________ Member # ________________________ Firm Name: ____________________________________________________________________ Shipping Address:________________________________________________________________ City: _______________________________________ State: ____________ Zip: ____________ Phone Number __________________________________________________________________ ■ MASTERCARD ■ VISA ■ AMEX ■ CHECK ■ DISC CARD #: ____________________________________________ EXP. DATE: ________________ SIGNATURE: __________________________________________________________________ Credit card paid orders may be faxed to (631) 587-2166 ATTN: Thelma Questions? Call Thelma at (631) 661-4800, ext. 327 Document-on-Demand #322 MEDIA LIBOR Membership Directory ...............................631.661.9126 MLS/LIBOR — Web Site...............................631.661.4800 x 348 mlsli.com, mlsstratus.com The Realtor? Advertising .......................................516.676.6089 Total Tours 360.......................................................516.505.0140 Advertise In MEMBER BENEFITS New York State Association of REALTORS?..518.463.0300 x 229 MORTGAGES The Thaureau Group ..............................................800.851.1882 PROMOTION SERVICES DSI Design Group..................................................516.676.6089 PUBLICATION/NEWSLETTER The Real Estate Report ..........................................631.539.7919 REAL ESTATE FORECLOSURES Foreclosure Update................................................516.487.6491 TECHNOLOGY MLS Products & Services...............................631.661.4800 x 11 MLS Tech Support Services.................................631.661.TECH The Publication That Reaches Over 26,000 LIBOR Members! CONTACT... DSI DESIGN GROUP CHRISTOPHER MEADOWS Tel: (516) 676-6089 • Fax: (516) 676-4769 email: studio@dsidesigngroup.com TITLE SERVICES Property Run, Inc. ..................................................516.203.7310 RPT Data................................................................516.663.0600 THE SERVICES DIRECTORY IS PROVIDED AS AN ADDITIONAL SERVICE. THE PUBLISHER DOES NOT ASSUME ANY LIABILITY FOR ERRORS OR OMISSIONS. Need Help With Your Ad? We offer professional Design and Ad Layout services at a reasonable cost. 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