Connection

Volume 39, Issue 5, May 2013
RAYAC
Connection
Jim’s Race to Remember
When RAYAC learned that member and former director Jim Ekdahl ran in the Boston Marathon we,
like many members, prayed for his safety. We were very relieved to get this message from Jim.
“Just arrived home this evening and my
family and I are all ok. We were very close to
the second blast. I was on the last block of the
race when it went off. Very scary as the cell
phones were all overloaded and took quite a
while till I could get in touch with my wife & daughter who
were in the crowd just a few doors from the blast. We were
safe by the grace of the Lord and are very grateful for
everyone's concern.”
You can see Jim running just feet away from the second explosion
in this photo that appeared on the internet and was published by
the Gettysburg Times.
After a few days passed, Jim shared more thoughts on his experience. Thank you for sharing your story, Jim!
Is it true that this was the first time you ran in the Boston Marathon? If so, was running in this race one of your
goals?
This was my first time in the Boston Marathon and was certainly a goal to run. It is a fantastic course and the
crowds along the route were amazing.
You’ve been a distance runner for a long time. Has this tragedy affected your passion for the sport?
This event has not affected my enthusiasm for running.
Would you run in the Boston Marathon or other high profile races in the future?
I will definitely be running future races in big venues and I truly hope to qualify to run Boston next year. It will be a
special time of remembrance for those who were killed and injured.
Did you find yourself glued to news reports or was it too emotional to watch the events unfold in the hours and
days after the race?
I did follow the investigation closely because I just wanted to know why someone would harm innocent children
and others watching a sporting event. I am amazed at how quickly they were able to identify the suspects and track
them down. This experience has made me aware how fragile life is and how important it is to treasure your loved
ones. I would like to thank everyone who expressed their concerns for my family and I this past week. It is sincerely
appreciated.
Don’t Miss ….
► FREE tax strategies seminar on May 14. See page 7.
► RAYAC’s community shredding events on May 18. See page 10.
► RAYAC’s charity golf outing on June 6. See page 11.
Connection – May 2013 – Page 1
RAYAC
CALENDAR
of Events
May
1
Ethics by Example, 8:30 am,
Holiday Inn, York
1 York City Savvy class 1, Central
Market, 9:30 am
2 Appraiser class, 8:30 am
2 Program Social Committee,
9:30 am
2 Habitat Committee, 11:00 am
2 Golf Committee, 12:00 noon
3 New Member Orientation-Module
III, 8:30 am
7 Community Relations
Committee,1:00 pm, Sovereign
Bank Stadium
8 Appraiser class, 8:30 am
8 York City Savvy class 2, York City
Council Chambers, 9:30 am
8 Wednesday Wind Down,
Altland House, Center Square Rt.
30, Abbottstown, 5:00-7:00 pm
9 Affiliate Committee, 8:30 am
9 Board of Directors, 9:00 am
9 MLS WalkoIn, 2:00-4:00 pm
13-17 NAR Mid Year meetings,
Washington, DC
13 Appraiser class, 8:30 am
14 Tax strategies seminar, 1:00 pm
15 York City Savvy class 3, New
Grounds Roasting Co., 9:30 am
16 MLS Committee, 8:30 am
16 Member Communications, 9:30 am
17 New Member Orientation-Module I,
8:30 am
18 Shred events, 10:00 am-12:00
noon, York, Hanover & Gettysburg
locations
21 Advanced MLS training, 2:00 pm
22 York City Savvy class 4,
PeoplesBank, Susquehanna
Commerce Center, 9:30 am
23 Leadership Development Breakfast
for prospective Board candidates,
8:30 am
23 Leadership Development
Committee, 11:00 am
23 MLS Walk-In, 2:00-4:00 pm
31 New Member Orientation-Module II,
8:30 am
June
6
RAYAC Charity Golf Outing, South
Hills Golf Club
11 Political Affairs Committee, 2:00 am
12 Wednesday Wind Down, Seven
Sports Bar & Grill, 14. E. Franklin
St., New Freedom, 5:00-7:00 pm
Meetings are held at the RAYAC office
901 Smile Way, York
unless otherwise noted.
Connection – May 2013 – Page 2
RAYAC
Wednesday
Wind Down
Wed., May 8
5:00-7:00 p.m.
Altland House
Center Square Rt. 30,
Abbottstown
Sponsors:
Bloodhounds
Inspection Team,
Townebank
Mortgage
&
Real Estate
Settlement Co.
Board of Directors Summary
April 11, 2013
Treasurer’s Report
Steve Snell reported in Treasurer Tony Thomas’ absence. He reported that budget numbers are on target and that the
association’s telephone system will need to be replaced and hopefully can wait until next year.
Solicitor’s Report
Solicitor Hast reported the legal hotline is receiving 35-40 calls per month with a lot of calls about loss mitigation
companies and their fees. He explained that it is a RESPA violation if REALTORS are involved in a decision to remove
those fees from the HUD-1 settlement statement. Solicitor Hast is also working with Dolly Bailey to create CE classes
for PAR forms for Carroll County, Maryland and he is developing and delivering CE for PA on Appraisals and
Assessments. He reminded the Board that he is willing to attend office meetings.
Action Items


Appointments to Professional Standards - Due to the merger of Century 21 Heritage with Prudential, the
committee is unbalanced per committee policy. Will Paradise and Casey Dougherty were appointed to the
committee.
Appointments to Candidate Screening Committee - Vice President Paula Musselman, Robyn Pottorff and
Melinda Eppolito were appointed to attend the candidate screening interviews with supervisor candidates for Dover,
Manchester and Springettsbury townships.
Connection – May 2013 – Page 3
RAYAC
From the Executive Officer
So Who Made That Decision, Anyway?
by Steve Snell, RCE
There have been several MLS decisions made recently that have met with some, shall we say,
“concern” by members. For that reason, I thought I’d give you a primer on MLS organization
structures. I know that does not sound like exciting reading, so I’ll try to keep it fairly brief.
RAYAC’s Multiple Listing Service is operated as a committee of the association. There are twelve members on that
committee and they serve staggered three year terms. Its members represent a mix of offices, specialties (residential
sales, appraisal and commercial), and roles (agent, manager, and broker). All major decisions made by the committee go
before the RAYAC board of directors for final approval.
Some MLS systems are separately incorporated, largely for tax purposes, and therefore have their own separate board of
directors. In most cases, decisions do not need to be further ratified by the association’s board of directors. This is the
type of MLS structure used by the Greater Harrisburg Association of REALTORS and their CPML system.
Some of the largest regional MLS systems are owned by a number of local associations but act very independently and
are separately incorporated. Local associations may select individuals to serve on the regional MLS board. In such
systems, the guidelines of the National Association of REALTORS may still apply. Both the TREND MLS in the
greater Philadelphia area and the MRIS system that operates in the greater Baltimore/Washington area would be
examples of such an organizational structure.
Yet other MLS systems are owned by large brokers and have no direct ties to the associations whose members they
serve. They do not need to follow NAR guidelines (and, that has led them to occasional policy mistakes which resulted
in trouble with federal agencies). The West Penn MLS serving the greater Pittsburgh area is an example of this structure.
One could argue – and I will – that RAYAC’s structure of our MLS provides the most democratization of decisions. We
are closer to the end user, with greater oversight, than other structures. Our members personally know at least some of
the members on the committee. We also provide local staffing of our MLS which not all associations do, preferring
instead to direct most issues to their system’s vendor.
Lest you think our structure gives us virtual control and authority over all decisions, think again. The National
Association of REALTORS provides model MLS Rules & Regulations. While it does provide for certain local options,
much of it is standardized across the nation. All changes to our MLS Rules & Regulations need their approval. Why,
you ask, would we want/need that level of authority vested in our national association way out in Chicago? Answer: to
get insurance coverage and the expertise of their legal department. The MLS sector of our industry is fraught with
issues, many of which can land you in court or in trouble with “the feds.” For these reasons, we don’t want to “go it
alone.”
OK, maybe that wasn’t as brief as you’d hoped, but if you got this far, you must have found it helpful. Want to serve on
our MLS Committee? Let us know. There are only four openings per year but you just may provide the skill or
constituent representation that the committee is looking for.
Save the date ...
Saturday, July 27
RAYAC Homeownership Night
with the York Revolution at Sovereign Bank Stadium
More details coming soon.
Connection – May 2013 – Page 4
RAYAC
Who’s Ready to Step Up to a Leadership Role?
Leadership Training Scholarships Available
RAYAC plans to sponsor two members to attend leadership training programs in either
Leadership York or Leadership Hanover. Check out the links to the websites to see if you
would like to be considered for these outstanding opportunities to advance your leadership
skills. If interested, please contact Steve Snell at (717) 843-7891 by May 10.
Board of Director Candidates
RAYAC is hosting a breakfast for anyone who would like to inquire about becoming a
candidate for the Board of Directors. Current directors will provide insight into the process
and responsibilities.
Board Candidate Breakfast
Thursday, May 23, 8:30 am in the RAYAC classroom
Please contact Steve Snell at (717) 843-7891 for more details or to RSVP for the breakfast.
The deadline to be considered for a candidate is June 1. The Leadership Development
Committee will schedule interviews with all potential candidates after June 1.
See what past directors say about their Board of Director experience. Watch a video on
RAYAC’s blog or Facebook page.
RAYAC’s Leadership
York representatives Billie
Jo Mazol and Seth Heuter
wrap up their leadership
training this month. They
are already applying their
skills … Billie Jo as
secretary of the Board and
Seth as chair of the York
City Living Committee.
Thank you!
Connection – May 2013 – Page 5
RAYAC
Membership News
New Members
Affiliate Changes
Robin Keefover, Keller Williams
Kathleen Merani, Morgan Collins
Jeffrey Selby, Pru (H)
Tawanda Thomas, Gaughen
Province Bank to Union Community
Bank
Mortgage Network new address
1030 Plymouth Road
York, PA 17402
Member Changes
Shane Baldwin, Pru (E)
Rose Beaverson, Country Home (Y)
Alanda Goshert, Country Home (Y)
Kimberly Jewitt, Pru (H)
Chris Leiphart, Pru (Htg)
Carolyn McFeaters, Pru (H)
Linda Pacy, Coldwell Banker (H)
Kenneth Parisi, Pru (E)
Deborah Steckler, Coldwell Banker (H)
Thomas Stein, Country Home (Y)
Bruce Tucker, Country Home (St)
Cheryl Yeager, Gaughen (Y)
Member Drops
Melissa Bagan
Richard Longnecker
Joseph Moore, Jr.
Susan Rebert
Alberto Romero
Rene Snyder, II
Heather Stough
Alice Wong
New Office/Brokerage
None
Office Changes
None
Office Drops
None
New Affiliate
Vision Mortgage Capital
3425 Simpson Ferry Road
Camp Hill, PA 17011
(717) 975-0522
Connection – May 2013 – Page 6
RAYAC
Affiliate Drops
None
Membership Stats
(as of 2/15)
Designated REALTORS
REALTORS
Pending Applicants
Total REALTORS
Affiliates
Total Members
2013
122
767
11
900
82
982
2012
122
817
6
945
86
1031
The YHAP education session for
lenders and REALTORS was very
successful. Over 30 members
attended to get information on the
down payment and closing cost
assistance program. Why did they
come? For just a few extra steps in
the transaction, your first time
buyers could get up to $5,000
towards the home of their
dreams. Change to the program homebuyer education classes do
not need to be completed before a
contract can be written. For more
information, visit http://
www.rayac.com/buy-homefinancing.php
Are You Overpaying Your Taxes?
83% of Americans Do
Attend Tax Strategies for the Real Estate Professional
Tuesday, May 14
1:00-3:00 pm
RAYAC office
This seminar is guaranteed to identify over $2,500 in NEW deductions that can be used right away to
pocket thousands in tax savings. These deductions are based on tax law, but presented in simple English
that all of us can easily understand. We do not bury you in legal jargon!
Many of you may assume your accountant takes care of your taxes... but often forget that you are the
ones giving them the numbers and records they are using to prepare your tax return. It is important to
understand what it is you need to provide your tax preparer.
This seminar is presented by Maine Shafer of Bradford and Company, Inc. and excerpted from the
Bradford and Company, Inc. "Tax Strategies for the Self Employed" course.
This seminar is FREE but registration is required since seating is limited.
Please call Lethy Sprenkle at 717-843-7891 or register online at www.rayac.com.
RAYAC STORE
FREE Open
House packets
Stop by the RAYAC Store to
get your packets featuring:



OpenThisWeek.com
promotional fliers,
REALTOR balloons
Homeownership Matters
buttons.
Connection – May 2013 – Page 7
RAYAC
A Stroll Down Memory Lane
Shown left to right are Bob Estill, Joe Mancuso, Andy Collins, Ethel Nitchman, RAYAC Vice President Paula
Musselman, Rick Smith, Alice Wong, Dale Elfner and Jim Warfield.
What better way to celebrate the association’s 90th anniversary than to reminisce with some of our most experienced
members? Eight of RAYAC’s members who have 40 or more years in the business shared some of their most
memorable experiences at an anniversary breakfast last month. The York Board of REALTORS was formed on April
14, 1923 (and included Hanover until 1973). My how things have changed! Here are some of the highlights:
Bob Estill
Bob’s first taste of real estate came in 1965 when he took a real estate course at Susquehanna University with Rick
Smith. Bob entered the corporate world with Dentsply where he loved his job but didn’t like being “locked up”. So he
went to Martin Library with Bill Cooley to set up bylaws to form an investment real estate group. Bob’s real estate path
led to investment properties, property management, development projects and his current business, Fox Run Realty.
Joe Mancuso
Joe moved to York in 1967 with AMF. Not long after relocating, AMF moved the facility back to New York. Joe
stayed in York and started in real estate when the average price of a house was $18,000 ... and you still made money.
Andy Collins
There are a few notable changes from when Andy started his career in real estate. The MLS consisted of 5 x 9 index
cards on each property at the association office, which then migrated to weekly listing books, which ultimately became a
computerized system in the 80’s. He also said there were no lockboxes. You had to pick up keys at the listing office.
But the memory that stands out the most for Andy occurred when he was association president in 1979 … TMI. The
media kept asking him how TMI would affect the value of real estate.
Ethel Nitchman
Ethel has always been in sales. She sold World Book encyclopedias prior to her real estate career. The craziest thing
that happened to her was a fire on a property the night before settlement was scheduled. The fire turned out to be arson.
Rick Smith
Rick shared that when he first started in real estate women’s income wasn’t taken into consideration for a mortgage
because a woman might become pregnant. The only way around it … a doctor note stating the husband had a
vasectomy.
Connection – May 2013 – Page 8
RAYAC
Alice Wong
When Alice Wong entered the real estate business after moving here from
Connecticut, only the brokers were members of the association. Alice
(and others) suggested adding a sales division to the board and she served
as its second president when it was pretty much a male dominated
industry.
Dale Elfner
Dale started his Century 21 Dale Realty business in Red Lion and added
the York location when his son, Wade, graduated from college. Wade’s
son, Nathan, is also part of the real estate business that celebrated its 50th
anniversary last year. Dale said he sold a lot more than houses. He sold
churches, funeral homes, a furniture store, a hardware store, a reptile
ranch and a zoo!
Jim Warfield
Jim reminisced about a one page listing agreement that provided sellers
with six, nine or 12 month options for their listing.
A special thank you goes to these members for sharing their stories and to
RAYAC VP Paula Musselman for emceeing the event. There were too
many stories to include. Look for a video recap coming to RAYAC’s
blog in the near future. Next time you visit the RAYAC office, be sure
to sign the “anniversary card”, a memento we plan to keep for our 100th
anniversary in 2023!
Three generations of
REALTORS
Wade, Dale and Nathan Elfner,
Century 21 Dale. Dale shared this
advice to his grandson, Nathan, when
he entered the real estate business,
“Treat people good, be honest and
don’t take advantage of anyone.”
Connection – May 2013 – Page 9
RAYAC
RAYAC
Leadership
President
Lee Trite Garlin, ABR, CRS
RAYAC is providing this service for YOU,
your clients, friends and family. The flier is
on the homepage of www.rayac.com and on
our Facebook pages. Please share this
flier!
Keller Williams, 755-5599
RAYAC presents:
Vice President
Paula Musselman, York City
Savvy
Prudential, 757-7811
Secretary
Billie Jo Mazol
Community
Shred Events
Prudential, 757-7811
Treasurer
Tony Thomas
Saturday, May 18
Jack Gaughen, 854-9242
Armed Forces Day
Solicitor
10:00 am - 12:00 noon
William Hast, Esq.
Stock & Leader, 846-9800
Directors
Clean out your files and dispose of private papers in a
Brian Berkheimer, ‘15
secure manner.
ERA Preferred Properties,
633-6261
This is a drive-thru event. NO boxes may be dropped off.
Dan Boyer, Assoc. Broker, ‘14
Prudential, 633-7300
Melinda Eppolito, ‘14
REMACE, Ltd., 843-5104
Adam Hagerman, York City
Savvy,‘15
Bennett Williams, 843-5555
Paul Hayes, ‘14
The event is FREE; however, we will be collecting monetary
donations for local war hero Cpl. Matthew Hanes.
All donations go to renovation projects to
make Matthew’s home accessible during his
extensive rehabilitation. Matthew was
severely wounded in Afghanistan and
returned home in March. Let’s thank
Matthew for his service!
Keller Williams, 755-5599
John LeCates, York City Savvy,
‘13
Morgan Collins, 846-6500
Robyn Pottorff, York City
Savvy,‘15
Jack Gaughen, 854-9242
Jason Turnbull, CCIM, ‘13
Rock Commercial, 854-5357
Hazel Vockroth, ABR, CRS, SRES,
‘15
Re/Max Quality Service, 632-5111
Connection – May 2013 – Page 10
RAYAC
Locations:
REALTORS Association of York & Adams Counties office
parking lot
901 Smile Way, York, PA 17404
Black Rose Antique Mall parking lot
1100 Eichelberger Street, Hanover, PA 17331
HACC Gettysburg Campus parking lot
731 Old Harrisburg Road, Gettysburg, PA 17325
Who’s Ready to Golf?
Now accepting golfers and sponsors!
RAYAC’s 18th Annual Charity Golf Outing
Thursday, June 6, 2013
South Hills Golf Club, Hanover




Proceeds benefit Habitat for Humanity
and other housing related charities.
Golf foursome - $300
Wide variety of sponsorships available from $125 to $750
Donate a door prize or items for goody bags.
Don’t golf? Why not volunteer or attend the dinner for only $20.
Download the complete flyer on the
homepage of www.rayac.com.
If you have any questions, please contact Natalie
Williams at (717) 843-7891 or natalie@rayac.com.
Connection – May 2013 – Page 11
RAYAC
Practicing Professionalism
Article 16
REALTORS® shall not engage in any practice or take any action inconsistent with exclusive representation or exclusive
brokerage relationship agreements that other REALTORS® have with clients. (Amended 1/04)
Case Study #16-3: Mass Media Solicitation Not a Violation of the Code
Source National Association of REALTORS Code of Ethics and Arbitration Manual
REALTOR® A, a residential broker, worked in a market area that included an attractive suburb of a large city. At the
time REALTOR® A launched a new advertising program, there were a number of houses for sale in the neighborhood
listed exclusively with other REALTORS®, each having the respective listing broker’s sign on its front lawn.
Working with his advertising agency, REALTOR® A developed a special brochure describing the service of his offices
and soliciting clients. The format of the brochure was designed so that it could be hung over a door knob, and a
commercial distribution service was employed to hang one of these brochures on homes in REALTOR® A’s market
area.
In the course of distributing REALTOR® A’s brochures, the commercial distribution service placed a brochure on the
front door of every house in REALTOR® A’s market area, including houses that had other REALTORS®’ signs in the
front yard. Several of the REALTORS® whose clients received REALTOR® A’s brochures filed complaints with the
Board against REALTOR® A. The Grievance Committee considered the complaints and referred them to the Secretary
to schedule a hearing by a Hearing Panel of the Professional Standards Committee at which time all of the complaints
would be considered. The complaints charged REALTOR® A with unethical conduct in failing to respect the exclusive
agency of other REALTORS®.
At the hearing, REALTOR® A defended his action by saying that the distribution of his advertising brochures was
widespread in nature; that it had been carried out by a commercial distribution service; and that it was of the same nature
as radio or television advertising or a general mailing that might come to the attention of some clients having exclusive
listing contracts with other REALTORS®.
The Hearing Panel’s decision noted that REALTOR® A, in designing his advertising campaign, did not direct his
brochures to property owners whose identity had come to REALTOR® A’s attention through information disclosed by
other REALTORS® consistent with their ethical obligation to cooperate with other brokers under Article 3 of the Code
of Ethics; e.g., through a “for sale” sign or through information disseminated through a Multiple Listing Service. Rather,
REALTOR® A’s advertising campaign was directed in an indiscriminate manner to all property owners in a given
geographical area. Furthermore, the medium REALTOR® A chose for his advertising campaign was a written brochure,
which property owners could examine or discard as they saw fit. The panel determined that this form of communication
does not harass a property owner, as would telephone calls or direct personal contacts. The Hearing Panel, therefore,
held that REALTOR® A’s advertising campaign did not violate Article 16 of the Code of Ethics.
NEW YORK CITY BUS TRIP
Wednesday, June 26th
Members, family, children and guests are welcome!

Enjoy a day on your own! Have a picnic on the Central Park lawn, rent a bike from Bike
Share, see a Broadway matinee and so much more.
$48.00 per person


Reservation deadline– June 19th
Depart from RAYAC 6:00 am on Wolf’s Bus Lines, drop off 51st & 8th Ave, close to Times
Square around 9:30 am, depart from NYC 7:00 pm
Registration is online at www.rayac.com payable by credit card. No refunds.
For additional information, please contact Natalie Williams at RAYAC
717-843-7891 or Natalie@rayac.com.
Connection – May 2013 – Page 12
RAYAC
MLS News & Updates
NET Sales Enforcement
Those agents who have listings in the RAYAC MLS showing compensation based on NET sales price have received
prior notice that the MLS Rules & Regs allow for compensation to only be disclosed by either a percentage of the gross
selling price or a flat dollar fee.
Please note that any active listings showing a compensation based on NET sales price will be treated as being in
violation of the MLS Rules and action will now be taken. That action will include a notice of violation followed by a
mandatory fine of $150 PER LISTING in violation.
What is a Variable Rate Commission?
A dual or variable rate commission arrangement is a listing where one amount of commission is payable if the listing
broker's firm is the procuring cause of sale and a different amount of commission is payable if the sale results through
the efforts of the seller or a cooperating broker.
RAYAC/MLS Rules and Regulations SECTION 5.2
Dual or variable rate commission arrangements: The existence of a dual or variable rate commission
arrangement (i.e., one in which the seller/landlord agrees to pay a specified commission if the property is sold/leased by
the listing broker without assistance and a different commission if the sale/lease results through the efforts of a
cooperating broker; or one in which the seller/landlord agrees to pay a specified commission if the property is sold/
leased by the listing broker either with or without the assistance of a cooperating broker and a different commission if
the sale/lease results through the efforts of a seller/landlord) shall be disclosed by the listing broker by a key, code or
symbol as required by the MLS. The listing broker shall, in
response to inquiries from potential cooperating brokers, disclose
the differential that would result in either a cooperative transaction
or, alternatively, in a sale/lease that results through the efforts of
the seller/landlord. If the cooperating broker is a buyer/tenant
MLS Walk-In Assistance
representative, the buyer/tenant representative must disclose such
information to their client before the client makes an offer to
Thursdays, May 9 & 23
purchase or lease. (Amended 5/01)
2:00-4:00 p.m.
MLS Classes
RAYAC classroom
Why is Utility Information No Longer
Available on Customer Reports?
There has been some concern that the "utilities" have been
removed from the MLS. The utilities information has NOT been
removed from the MLS; however, the MLS Committee received a
recommendation to remove this information due to the fact that
utilities have been removed from the Seller Disclosure. It was
determined by the committee that the information has value and
should remain. Although the customer reports have been modified
to remove that information it still remains on the agent
reports. Also, please remember that ALL reports are customizable
and can be modified to suit your specific needs. The MLS
Committee also determined that the utility information should not
be provided in IDX feeds as the data is subjective and no longer
provided by the seller in the disclosure.
No registration required. Just stop by with your
Paragon questions. Bring your laptop,
smartphone or tablet to receive hands-on
assistance.
MLS Advanced Training
Tuesday, May 21
2:00-4:00 p.m.
RAYAC classroom
Registration is required. Register online or call
(717) 843-7891.
If you would like to have MLS group training at
your office or would like to have office training at
RAYAC, please call Rhonda or Lori at (717) 8437891to schedule.
Connection – May 2013 – Page 13
RAYAC
Real Estate School of York & Adams Counties
Phone: (717) 845-3487 • Fax: (717) 854-0720 • 901 Smile Way, York PA 17404
APPRAISAL CONTINUING EDUCATION CLASSES
28 hours of continuing education needs to be completed by June 30, 2013 for appraisal certificate renewal,
lunch will be provided each day of class, and all classes will be held at the RAYAC Office.
**Course approved for both appraisal certificate and real estate license renewal.
Estimate, Adjust and Defend
Instructor: Melanie McLane – In this practical course, students will review relevant characteristics in the appraisal process, identify
methods of acquiring and organizing data about relevant characteristics, understand methods of estimating land value, identify
methods of making adjustments in appraisal reports, and understand the need to be able to defend adjustments made. They will also
learn how to develop adjustments by a variety of methods, know how to complete a work file which supports and defends
adjustments, and identify appropriate, defensible sources of data for use in appraisals.
Wednesday, May 8, 2013
8:30 a.m. - 4:30 p.m.
$75.00
**Review of PA Appraisers Certification Act (required PA Law course) and ** Re-Thinking
Basement Adjustments
Instructor: Bob Heiserman – AM Course- In this course students will review the structure and powers of the PA State Board of
Certified Real Estate Appraisers. Key points, disciplinary measures and recent changes to the Certification Act will be examined.
Common and current violations will be discussed. PM Course- In this course students will look at trends in below grade finishes,
discuss the variations in design and quality, examine FNMA and lender valuation issues, discuss builder and appraiser issues, and
develop options for basement adjustments.
Thursday, May 2, 2013
8:30 a.m. - 4:30 p.m.
$75.00
**Warding Off the USPAP Police and Appraisals for Government Loan Programs
Instructor: Michelle Bradley- AM course- There is genuine concern about how appraisers can maintain compliance with the many
new regulations that have resulted in an increase in the amount of work appraisers must comply with, often referred to as “scope
creep” due to the increasing scope of work issues. Scope creep carries with it more liability; appraisers must learn to make the scope
of work rule their best friend, to reduce liability through increased compliance with USPAP requirements and assignment conditions
such as UAD. Discussion will include common misconceptions and pitfalls of UAD which plague the appraiser. PM course- This
course centers on the understanding of property conditions that affect the marketability of a home and may affect whether the home is
eligible for government loan programs. Discussion will include the appraisal requirements for different types of loans. Real world
examples will be presented that will help you understand how your peers are completing appraisal requirements in their markets.
Students will learn about proper documentation and verification to limit liability.
Monday, May 13, 2013
8:30 a.m. - 4:30 p.m.
$75.00
Registration Form
Payment is due at time of registration. To pay by credit card, go to at www.rayac.com and click on Real Estate School. To pay by check, make
check payable to RAYAC and mail with completed form. To receive a reminder, please provide an e-mail address. Registration closes at noon the
day prior to the class.
Name (as it appears on your license)
Office (include branch)
Phone #
E-mail
Course title
Date
Course title
Date
Course title
Date
Amount due: _____________________
REFUND POLICY: Cancellations made less than 3 business days prior to the date of the course and “no-shows” will not receive a refund or credit.
RETURNED CHECK POLICY: If a check is returned by the bank for any reason, there will be a $25 processing fee.
Connection – May 2013 – Page 14
RAYAC
Ethics by Example
Only 3 classes left!

All RAYAC association members are required to attend an Ethics by Example
class by December 31, 2013.

NAR’s online ethics course will not be accepted this cycle.

Ethics by Example does not provide continuing education credit.

Members who joined RAYAC in 2012 or join in 2013 are exempt due to ethics content in orientation
curriculum.
Presenters:
Hank Lerner, Director, Professional Practice, PAR
Shanna Terroso, Government Affairs Director, RAYAC
Tuesday, September 24, 2013
1:00 – 4:30 p.m.
Hanover Country Club
$20
Holiday Inn, York
$20
Holiday Inn, York
$50
Thursday, October 24, 2013
1:00 – 4:30 p.m.
Wednesday, November 20, 2013
8:30 a.m. – 12:00 p.m.
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ethics by Example Registration Form
Payment must accompany registration.
On-line registration is encouraged at www.rayac.com or mail the form below. To receive a reminder prior to the
class, please provide an e-mail address.
Name
Office (include branch)
Email
Course Date
PAYMENT POLICY: Payment must accompany registration. REFUND POLICY: Cancellations made less than 3
business days prior to the date of the course and “no-shows” will not receive a refund or credit. RETURNED CHECK
POLICY: If a check is returned by the bank for any reason, there will be a $25.00 processing fee.
Connection – May 2013 – Page 15
RAYAC
RAYAC Office Hours
Monday - Thursday
8:30 a.m. to 5:00 p.m. *
Friday
8:30 a.m. to 4:00 p.m.
* On Tuesday mornings the office
opens at 10:00 a.m. because of a staff
meeting.
Phone
(717) 843-7891
or
1-866-288-9306
Fax
(717) 854-0720
Association Staff
Steve Snell, RCE, Exec. Officer
Ext. 112, steve@rayac.com
Lethy Sprenkle, Asst. Administrator
Ext. 109, lethy@rayac.com
Doug Clark, Bookkeeper
Ext. 111, doug@rayac.com
Rhonda Elliott, RCE, GRI,
GREEN, e-PRO
MLS Systems Mgr.
Ext. 102, rhonda@rayac.com
Lori Foltz, IT Coordinator
Ext. 103, lori@rayac.com
Ann Marie Staub, Lead Secretary
Ext. 100, annmarie@rayac.com
Cindy Alleman, Secretary/
Receptionist & Store Manager
Ext. 101, cindy@rayac.com
Beth Izzo, Public Relations Dir.
Ext. 110, beth@rayac.com
Shanna Terroso, RCE, e-PRO,
Government Affairs Director
Ext. 106, shanna@rayac.com
Natalie Williams, Community
Development Coordinator
Ext. 108, natalie@rayac.com
Deb Kottmyer, Clerk (PT)
Ext. 104, deb@rayac.com
Connection – May 2013 – Page 16
RAYAC
April
Wednesday
Wind Down
Recap
Thank you to host:
Roosevelt Tavern
Thank you to sponsors:
Abstracting Company of
York County
&
PeoplesBank
Congratulations to
winners:
Judy Givens
Judy Henry
Phillip Hykes
Patty Price
Newsletter Contest
April
showers
bring
May
flowers.
Send us your “Spring in Bloom”
photos.
Email your photo(s) to beth@rayac.com
by May 15. The winner can choose from a
$10 RAYAC Store, Rutter’s or Sheetz gift
card. All entries will be put into the year end
drawing for free 2014 local dues.
Congratulations to March Madness
winner Sue Pindle.
Social Media Tips
Over 50 RAYAC members met in Gettysburg to learn more
about social media from PAR Chief Executive Officer Dave
Phillips. He offered these specific tips:







He recommends at least having a Facebook and
Linkedin profile.
If a consumer searches “Find a REALTOR” the search
will include social media sites.
Have your posts pass the “Grandmother test”. Don’t post anything you
wouldn’t want your Grandmother to see.
Check out your clients because your clients are watching you.
Google yourself every now and then to see what you find.
Be careful when you pick your Twitter name. REALTOR rules still apply.
Make sure your website is mobile friendly. More internet traffic is coming
from phones and tablets than laptops and desktops.
You’re Invited to Rail Trail Meeting at RAYAC
RAYAC members are invited to learn about rail trail expansion plans and interesting information as it relates to
homeowners along the trail and buyers who want to live near the trail. The York County Rail Trail Authority is holding
its next meeting at RAYAC. There will be a brief presentation on recent rail trail survey findings as well as an
opportunity to ask questions and share experiences from buyers and sellers. There will also be an informal “meet and
greet” with authority members. Plan to attend on Monday, May 20 at 7:00 p.m.
Connection – May 2013 – Page 17
RAYAC
3/1/13 –3/31/13 Sold
MLS Statistics by School District
School District
# Sold
Dollar Volume
Avg. Sale Price
Median Sale Price
Central
43
$7,261,948
$168,883
$138,298
Dallastown
35
$5,576,675
$159,334
$135,000
Dover
19
$2,409,900
$126,837
$115,000
Eastern
16
$2,741,774
$171,361
$176,950
Hanover
14
$1,488,384
$106,313
$73,250
Northeastern
18
$2,294,879
$127,493
$129,500
Northern
9
$1,839,920
$204,436
$215,000
Red Lion
42
$6,702,789
$159,590
$145,000
South Eastern
8
$1,715,950
$214,494
$200,700
Southern
15
$2,741,572
$182,771
$199,900
South Western
17
$3,158,937
$185,820
$178,900
Spring Grove
21
$3,079,980
$146,666
$149,000
West Shore
15
$2,456,409
$163,761
$166,900
West York
24
$3,545,099
$147,712
$137,500
York City
40
$1,722,900
$43,073
$24,940
York Suburban
20
$2,529,499
$126,475
$123,500
York Total
356
$51,266,615
$144,007
$131,250
Bermudian Springs
13
$2,437,600
$187,508
$180,000
Conewago Valley
20
$2,724,745
$136,237
$132,500
Fairfield
4
$633,500
$158,375
$151,750
Gettysburg
17
$3,818,450
$224,615
$208,000
Littlestown
17
$3,205,100
$188,535
$160,000
Upper Adams
9
$1,542,800
$171,422
$149,500
Adams Total
80
$14,362,195
$179,527
$151,225
York County
Adams County
Connection – May 2013 – Page 18
RAYAC
York County MLS Statistics Monthly Comparison
YORK CO.
Monthly
Comparison
3/12
TOTAL
3/13
TOTAL
12-13 %
CHANGE
3/12
MEDIAN
SOLD
PRICE
3/13
MEDIAN
SOLD
PRICE
12-13 %
CHANGE
3/12
AVG.
SOLD
PRICE
3/13 AVG. 12-13 %
SOLD
CHANGE
PRICE
Total sold/
settle
272
356
+31%
$135,450
$131,250
-3%
$152,985
$144,007
-6%
Co-broke
208
255
+23%
$135,000
$139,000
+3%
$153,751
$148,436
-3%
In house
64
101
+58%
$137,450
$112,000
-19%
$150,497
$132,826
-12%
New
747
899
+20%
Active
2,517
2,457
-2%
York County MLS Statistics Year to Date Comparison
YORK CO.
Monthly
Comparison
1-3/12
TOTAL
1-3/13
TOTAL
12-13 %
CHANGE
1-3/12
MEDIAN
SOLD
PRICE
1-3/13
MEDIAN
SOLD
PRICE
12-13 %
CHANGE
1-3/12
AVG.
SOLD
PRICE
1-3/13
AVG.
SOLD
PRICE
12-13 %
CHANGE
Total sold/
settle
759
834
+10%
$132,500
$135,000
+2%
$143,388
$145,306
+1%
Co-broke
577
614
+6%
$134,900
$139,900
+4%
$143,733
$148,363
+3%
In house
182
220
+21%
$129,250
$120,000
-7%
$142,294
$136,774
+4%
2,081
2,046
-2%
New
Adams County MLS Statistics Monthly Comparison
ADAMS CO.
Monthly
Comparison
3/12
TOTAL
3/13
TOTAL
12-13%
CHANGE
3/12
MEDIAN
SOLD
PRICE
3/13
12-13% 3/12 AVG. 3/13 AVG. 12-13%
MEDIAN CHANGE
SOLD
SOLD
CHANGE
SOLD
PRICE
PRICE
PRICE
Total sold/
settle
57
80
+40%
$155,000
$151,225
-24%
$161,954
$179,527
+11%
Co-broke
41
59
+44%
$148,000
$155,000
+5%
$156,182
$187,258
+20%
In house
16
21
+31%
$159,500
$139,000
-13%
$176,747
$157,807
-12%
New
158
176
+11%
Active
686
635
-7%
Adams County MLS Statistics Year to Date Comparison
ADAMS CO.
Monthly
Comparison
1-3/12
TOTAL
1-3/13
TOTAL
12-13%
CHANGE
1-3/12
MEDIAN
SOLD
PRICE
1-3/13
12-13%
MEDIAN CHANGE
SOLD
PRICE
1-3/12
AVG.
SOLD
PRICE
1-3/13
AVG.
SOLD
PRICE
12-13%
CHANGE
Total sold/
settle
130
207
+59%
$149,995
$149,900
0%
$167,383
$159,529
-5%
Co-broke
93
146
+60%
$155,000
$150,000
-3%
$170,701
$160,982
-6%
In house
37
61
+65%
$145,000
$139,000
-4%
$159,042
$156,049
-2%
New
442
451
+2%
Connection – May 2013 – Page 19
RAYAC
Legislative Link
April was a busy month for REALTORS on movement of key bills in the Pennsylvania General Assembly.
Seller Financing
House Bill 1124, which restores seller financing to its original intent, allowing a person to originate, offer,
negotiate or service less than four mortgage loans in a year was voted out of the House Commerce Committee in
April. PAR has learned federal legislation is proposing up to five transactions per year and will be updating the
prime sponsor of the bill to reflect that change.
Mechanics’ Lien legislation
Senate Bill 145 moved out of Senate Labor and Industry Committee in April. This legislation addresses the
problem of unfair mechanics’ liens by disallowing a lien to be placed on a homeowner if they already paid the
general contractor in full.
RELRA Amendments
Senate Bill 869 was introduced in April that includes PAR’s recommended changes to the Real Estate Licensing
and Registration Act (RELRA). The seven licensing recommendations include: increasing continuing education
hours to 18 hours every two years; increasing pre-licensure education to 90 hours; requiring six hours of
continuing education be in a specific topic area, depending on the type of real estate practiced; completing all
broker license courses within five years; completing all salesperson license courses within three years; requiring
a high school diploma or equivalent for a real estate license and allowing licensees to conduct broker price
opinions under certain criteria.
Connection – May 2013 – Page 20
RAYAC
2013 RPAC Goal
RPAC announced its goal of $23,000
and 50% participation from RAYAC
members. Currently we have collected
$18,885 from members who have
invested in RPAC. Thank you to
everyone who has contributed
including these early RPAC leaders.
Governor’s Club
($500-$999.9)
Shonna Cardello
Capitol Club
($250-$499.99)
Bob Aldinger
Patricia Carey
Andy Collins
Peggy Fink
Lee Trite
$99 Club
($99-$249.99)
Dolly Bailey
Susan Becker
James Behm
Ed Bender
Charlotte Bergdoll
Ellen Biesecker
Barb Boyer
Dan Boyer
Steve Brown
Lisa Calhoun
Olivia Carpenter
Marty Clayton
Barbara Deardorff
Christine Dell
Casey Dougherty
Rick Doyle
Wade Elfner
Robert Estill
Bridget Floyd
Debbie Folmer
Amy Fry
Natalie Fry
Jeff Garber
Judy Givens
George Herman
Jon Holmes
Glenda Kane
Jennifer Kibler
John LeCates
John Linton
Mary McCleary
Robin Mede-Butt
Linda Messinger
Donna Moyer
Kim Moyer
Erika Mueller
Regina Nizer
Tamara Peroni
Vern Raffensberger
Dianne Redding
Mark Roberts
Jill Romine
Gayle Sanders
Bill Shanbarger
Shirley Simpson
Marty Sowa
Ross Stanard
Sam Stein
John Swords
Shanna Terroso
Bill Vance
Hazel Vockroth
Donna Walker
Mindi WeikertKenneth Worley
Kauffman
“Contributions are not deductible for income tax purposes.
Contributions to RPAC are voluntary and are used for political
purposes. The amount suggested is merely a guideline and you may
contribute more or less than the suggested amount. You may refuse to
contribute without reprisal and the National Association of
REALTORS® or any of its state associations or local boards will not
favor or disfavor any member because of the amount contributed. 70%
of each contribution is used by your state PAC to support state and
local political candidates. Until your state PAC reaches its RPAC goal
30% is sent to National RPAC to support federal candidates and is
charged against your limits under 2 U.S.C. 441a; after the state PAC
reaches its RPAC goal it may elect to retain your entire contribution for
use in supporting state and local candidates.”
Trivia
Night Fun
Thirteen teams went head to head at REALTOR Trivia Night to raise funds
for RPAC. It was a fun evening of friendly competition among the teams.
The event raised $1,483 for RPAC!
Thank you to everyone who
The winning teams
participated!
were …
Century 21 Dale
Chris Reilly
Coldwell Banker Select
Gordon L. Brown & Associates
Jack Gaughen
Keller Williams
M&T Bank
Prudential Cinema Drive
Prudential Dallastown
Prudential Shrewsbury
Tamara Peroni
White Rose Settlement Services
York Traditions Bank
1st place - White Rose
2nd place - Chris Reilly
3rd place - Gordon Brown
Remember to
Primary election
MAY 21
Save the DATE!
Thursday, October 3
RAYAC’s Battle of the Offices
&
Annual Meeting
Connection – May 2013 – Page 21
RAYAC
Partner and Do Business with RAYAC Affiliate Members!
This a valuable resource to share with your clients.
Attorneys
Barley Snyder LLC
Benn Law Firm-see ad on page 6
Stock and Leader-see ad on page 2
Builders
Charter Homes
Poole Construction
York Builders Association
Inspectors
Absolute Radon Mitigation LLC
Allied Home Inspections Inc
American Property Examiners
Amerispec Home Inspection
Services-see ad on page 21
ASHI Central PA
BH Home -York
Bloodhounds Inspection Team
Bowers Pest Control
Central Penn Radon Inc
Dominion Pest Control LLC
George Forney Home Inspection
Gettysburg Home Inspection
Home Inspect Inc
Home-Rite R.E. Inspections
Homechek Inc-see ad on page 4
Homepro Home Inspections
Mason Dixon Home Inspection
National Property Inspections
New Leaf Home Inspection
Real Services Inc
Seemore Home Inspections
The Property Examiners
The Virtus Group LLC
Visionspec Home Inspection
Lenders
1st Preference Mortgage
ACNB Bank-see ad on page 17
Bay Capital Mortgage Corp
Caliber Funding, LLC
Corridor Mortgage Group, Inc
Freedmont Mortgage
Fulton Mortgage
GMH Mortgage Services LLC
Guaranteed Home Mortgage Co.
Heritage Valley Federal Credit
Union-see ad on page 16
M & T Bank Mortgage Divisionsee ad on page 5
Members 1st Credit Union
Millennium Financial Group Inc
Mortgage Network
Northwest Savings Bank
Peoplesbank, A Codorus
Valley Co-see ad on page 3
Sovereign Bank
Suntrust Mortgage Inc
Susquehanna Bank PA
Townebank Mortgage
Union Community Bank
Wells Fargo Home Mortgage
Wells Fargo SBA Lending
York Traditions Bank-see ad on
page 7
Vision Mortgage Capital
Title/Settlement
Companies
Abstracting Co. of York County
Apple Leaf Abstracting Co-see ad
on page 7
Centurion Settlement Group-see
ad on page 9
901 Smile Way
York, PA 17404
Phone (717) 843-7891
Toll-free in PA 1-866-288-9306
Fax (717) 854-0720
Connection – May 2013 – Page 22
RAYAC
Title/Settlement
Companies continued
Community Settlement LLC-see
ad on page 5
Complete Closing Services
Guaranteed Transfer Corp.
Preferred Service Settlements
Quality Service Settlements
R.E.I.P.A
Real Estate Settlement Co.
Stock and Leader-see ad on page 2
White Rose Settlement
Services -see ad on page 2
Yorktowne Settlement Co-see ad
on page 17
Other Real Estate Related
Businesses
360 Tours of York
ABBA Loss Mitigation
Atlas Rubber Stamp & Printing
Basement Waterproofing
Solution
Cameo Services
First American Home Buyers
Protection Corp
Gordon L Brown & Assoc, Inc.
Handyman Matters
Igo Septic Services
Leffler Energy Co
MYclosing-see ad on page 20
Nicmar Water
Shipley Energy-see ad on page 17
Spectrum Home Services
of York
The Bathtub Doctor
York Newspaper Company/
Media One
www.rayac.com
www.OpenThisWeek.com
www.facebook.com/
RAYACRealEstate
& check out RAYAC’s Facebook
group exclusively for members