Arcadia
REALTOR®
The Official Publication of the Arcadia Association of REALTORS®
President’s Farewell Message & Year in Review See page 9
DECEMBER 2012
WWW.THEAAR.COM
1 VOL. 16, NO. 12
Arcadia
REALTOR®
Arcadia Association of REALTORS® 601 South First Avenue Arcadia, California 91006 626.446.2115 626.446.4072 FAX www.TheAAR.com
2012 ASSOCIATION OFFICERS
REGULAR FEATURES
Ryan Asao {President} Andy Bencosme {President-Elect} Mike Vachani {Vice-President} Jill Nelson {Secretary/Treasurer}
2012 ASSOCIATION DIRECTORS
4 Events Calendar
4 From the EVP’s Desk Andrew Cooper, Executive Vice President
5 Attorney Comments Dave Freeman, AAR Legal Counsel
6 Market Matters
10 Through the Lens
A Look at What’s Happening Around the AAR
11 Affiliate Corner
“Truth Is In. Myths Are Out”
Helen Spencer, Pacific Advisors
12.12
{ Arcadia REALTOR® | December | Two Thousand and Twelve | Volume Sixteen | Number Twelve}
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December 2012
Margaret Garemore Jeanne Keating John Lee Paulina Lee George Monte Joseph Pacilio Sylvia Ramos Irene Yamagata Nick Zigic
2012 C.A.R. DIRECTORS
Ryan Asao Andy Bencosme Jeanne Keating Paulina Lee George Monte Richard Stone Randall Traw Mike Vachani Kelvin Wong Nick Zigic
ARCADIA ASSOCIATION STAFF
We are here to help you with your needs! Office Phone 626.446.2115 Robin Allen Ext. 307 Director of Finance / Office Manager Robin@TheAAR.com Michael Beltran Ext. 302 IT Director / Webmaster Michael@TheAAR.com Brenda Faltes Ext. 304 Director of MLS Data Integrity, Supra & Social Media Brenda@TheAAR.com Stephanie Maertens Ext. 303 Director of Education, Publications & MLS Caravan Stephanie@TheAAR.com Maria Roberts Ext. 305 Director of Membership & Professional Standards Maria@TheAAR.com Jane Shriver Ext. 301 Director of Association Services Jane@TheAAR.com Andrew Cooper Ext. 308 Executive Vice President Andrew@TheAAR.com
ON THE COVER 9
President’s Farewell Message & Year in Review For a look at all that has occured in the AAR this year and a farewell from 2012 AAR President, Ryan Asao. 411 E. Huntington Dr. Suite 101 B, Arcadia CA 91006 Phone: 626-446-2401 Fax: 626-446-2362
ADDITIONAL CONTENTS 3
Annual Holiday Breakfast We hope you join us for this annual holiday breakfast at the Arcadia Masonic Center.
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Save the Date! Seniors Real Estate Specialist (SRES) Designation Coming to you March 11th and 12th, 2013. For more information or to register, visit www.TheAAR.com.
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YPN Charity Poker Tournament The AAR YPN Committee recently held a Charity Poker Tournament to raise funds for local charities.
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AAR Receives N.A.R. Accredited Commercial Excellence Award The AAR was recently one of only six REALTOR® Associations in the nation to receive the prestigious ACE Award from the National Association of REALTORS®.
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Dave Scarminach Receives ACS Volunteer Award The AAR would like to congratulate Dave on his recent award from the American Cancer Society.
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Randall Traw Travels to Singapore N.A.R. Presidential Liaison to Singapore, Randall Traw, recently traveled to our sister country to assist in better establishing real estate systems.
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“Income Tax Changes in 2013” This great course offers information on changes to the income tax laws in the coming year. We are offering two identical courses on the same day due to the overwhelming response from last year’s course.
Save the Date!
Seniors Real Estate Specialist (SRES) Designation Coming to you March 11-12, 2013 9:00 a.m. to 5:00 p.m.
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Holiday Breakfast Date:
Wednesday, December 12, 2012
Place:
Masonic Center 50 W. Duarte Rd. Arcadia, CA 91007
Time:
8:00 a.m. Preceding the MLS Caravan Meeting
Cost:
FREE
Join with your fellow REALTOR® and Affiliate members for a bit of cheer at a special Holiday Breakfast. In the spirit of the holiday season, let’s take time to visit and enjoy the company of one another.
Happy Holidays!
$175 Visit www.TheAAR.com for more details and to register Arcadia REALTOR® Magazine
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December Events Calendar 3
10:00 a.m. - 3:00 p.m. - CRMLS Training
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9:00 a.m. - 4:00 p.m. - Certified HAFA Specialist Course
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8:30 a.m. - MLS Caravan 10:00 a.m. - Global Real Estate Committee Mtg.
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9:30 a.m. - Commercial Committee Mtg. 11:00 a.m. - Commercial Marketing Mixer 2:00 p.m. - 4:00 p.m. - “Feng Shui for REALTORS®”
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12:00 p.m. - 1:30 p.m. - Toastmasters
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8:30 a.m. - New Member Orientation
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11:00 a.m. - Tech Expo Committee Mtg.
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8:00 a.m. - Annual Holiday Breakfast @ Masonic Center 8:30 a.m. - MLS Caravan 9:30 a.m. - MLS Committee Mtg. 3:30 p.m. - Equal Opportunity / Housing Affordability Committee Mtg.
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9:00 a.m. - 12:00 p.m. - “Real Estate Business Planning”
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10:00 a.m. - 11:30 a.m. - “REALTORS® Property Resource” 12:30 p.m. - 2:00 p.m. - “REALTORS® Property Resource”
17 9:00 a.m. - 11:30 a.m. - AAR Leadership Mtg. @ Doubletree Hotel 18
10:00 a.m. - Zipforms Training 1:30 p.m. - Budget and Finance Committee Mtg. 2:00 p.m. - Education Committee Mtg.
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8:30 a.m. - MLS Caravan 9:30 a.m. - Public Relations Committee Mtg. 9:30 a.m. - Young Professionals Network Committee Mtg.
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11:00 a.m. - 12:00 p.m. - Lunch & Learn Series “How to Hold An Effective Open House” 12:00 p.m. - AAR Board of Director’s Luncheon
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8:30 p.m. - Board of Director’s Mtg. AAR Office Closes at 2:00 p.m. for Staff Holiday Lunch
24 & 25 AAR Closed for Holidays 26
No MLS Caravan
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AAR Closed for New Year’s Eve
y Happ s! ay d i l o H 4
December 2012
FROM THE EVP’S DESK Cheers To Your Wealth
All wealthy and successful entrepreneurs share something in common: they have written, laser-focused goals and business plans. You can have all the ambition and best intentions in the world, but without a clear and written plan on how to get from Point A to your Point B you will miss your destination. There’s a saying you may have heard before, “A goal without a detailed plan is just a wish”. If the goal in your head is that you will take 25 listings or 50 loan applications or sell 100 title policies, etcetera in 2013, congratulations for giving it some thought and making that wish. Converting those wishes to goals is the next step. When you take those goals out of your head and commit them to paper, something magical happens. It solidifies your commitment to achieving the goals and it automatically starts you on the goal planning process. As with most things in life the first step oftentimes is the hardest, especially if it’s embarking on something we’ve never done before (like writing a proper business plan). If I’m driving somewhere I’ve never been before. I need something to tell me how to get there. This is the same with goal setting. Having a destination of Point B is useless unless you have a written plan on how to reach it. Consider your business plan as your own GPS system – Goals, Plans and Systems! Don’t know how to start or complete your business plan? Keep reading to find out how the AAR is going to assist you: To help you create your business plan for 2013 the AAR is proud to offer a Business Planning seminar on Thursday, December 13th from 9:00 a.m. to 12:00 p.m.in the AAR building. The AAR is proud to invest in our members’ success so the cost of the seminar is FREE. The seminar is strictly limited to only 40 students so please visit www. TheAAR.com and go to “Upcoming Events” to register. To summarize, I’d like to share an interesting story I read in a book aptly titled “Goals” written by Brian Tracey. In a Harvard University experiment, a graduating class from the university was asked about goals they had for their life after graduation. In following up with the same students 10 years later, those students who had goals in their heads were earning twice as much as the students with no goals. Those students who had clearly defined and written goals were earning – get this – 10 times as much as the other two groups combined! It’s the AAR’s goal to help all our members increase their production in 2013 and you have our commitment that we will provide you with the tools and resources you need to do that. I wish you a joyous and healthy holiday season and I’m looking forward to having you as a member for what promises to be an exciting 2013. Cheers to your wealth,
Andrew Cooper
Executive Vice-President
Attorney Comments November 2012
By Dave Freeman, Association Counsel for the amount of the sale (one year, or shorter if the property was sold for the full amount of the debt owed). Further, the I.R.S. can redeem for the amount of an I.R.S. lien within 120 days. Additionally, the possible redeemer has the right to possession of the property until the redemption period runs. These facts, coupled with the additional fact that title insurance is unavailable on foreclosure/auction sales, makes the property less desirable, and full of potential pitfalls. If you are representing a client interested in such a purchase, be sure they get the advice of competent legal counsel.
property is foreclosed must be given a 90 day written notice to terminate. With a fixed-term residential tenancy, the tenant or subtenant can generally remain until the end of the lease tem, as long as he pays the agreed upon rent. There are four exceptions, which would allow a 90-day written notice to terminate the fixed-term lease after foreclosure: i. If the purchaser/ successor-in-interest is to occupy the property as their primary residence. 2. NEW LAWS TAKING EFFECT AS ii. The tenant is the OF JANUARY 1, foreclosed upon 2013: borrower or the A. Abandoned borrower’s child, Property: A spouse or parent. landlord, upon iii. The lease was not Known for the integrity of our intent and quality of evicting a tenant, the result of an arms’ our actions, we have the confidence to do what is required, the courage to move the process along to when the tenant length transaction. successful completion, and the compassion to listen leaves abandoned iv. The rent in the lease to needs of all parties involved. property in the is substantially below premises can, fair market rent 128 East Huntington Drive after appropriate (except rent control Arcadia, CA 91006 notice, dispose and government 20 Years of Doing Business and Providing Great Service! of the property subsidy situations). without the need C. Homestead: Generally the for auction/sale, We offer Five Languages &homestead exemption for an if the involuntary sale of a principal Fullproperty time In is House Messenger estimated to be residence has been increased to worth less than $175,000.00. This homestead Specialize in: $700.00 (the limit exemption generally protects Bulks, was $300.00). the homeowner against civil Short Sales B. Notice to Tenant judgments executed on after the Commercial to Vacate After homestead has been recorded, and Shortpays Foreclosure: A applies to persons who are 65 years REO’s month-to-month or older, or 55 years of age with Exchanges tenant or subtenant gross annual income that does not Residential in possession of exceed $25,000.00, or $35,000.00 Standing (left (left toright): right): Yolanda Yolanda Vidales, Vidales, Julie Julie Nguyen, Nguyen, Kai Kai Wu, Jackie Jackie Ramos, Liem Liem Ho, Ho, Standing standing (left to to right): Yolanda Vidales, Julie Nguyen, Kai Wu, JackieWu, Ramos, Liem Ramos, Ho, Janet Cerswell, and a rental housing combined if married. JanetCerswell, Cerswell, Suzie SuzieArchuleta, Archuleta, Luly Luly Goodmand and Jojo Janet Jojo Ong Ong. Suzie Archuleta, Luly Goodman, Jojo Ong Sitting (left to right): Terri TerriFabbri, Fabbri,Alexis AlexisOstensen, Ostensen,Kay KayGass Gassand and Shelly Malicek Sitting unit at the timeLoans the sitting(left (leftto to right): right): Terri Fabbri, Alexis Ostensen, Kay Gass, Shelley MalicekShelly Malicek 5 1. JUDICIAL FORECLOSURE: Occasionally/seldom you may run into a judicial foreclosure as opposed to the normal non-judicial/trustee’s sale foreclosure. A judicial foreclosure is done through Court, in situations where the lender feels that the debtor has adequate assets, beyond the property in questions, the property in question will not satisfy the amount of the loan and law allows for a deficiency judgment. Beware of buying or advising your clients to buy at a judicial foreclosure auction sale or from the lender who has completed such a foreclosure. There are redemption possibilities and timelines during which the debtor can redeem the property
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We are members of the:
• Arcadia Association of REALTORS®
Arcadia REALTOR® Magazine
• Amercan Escrow Association
Market
Matters
Market Statistics for the San Gabriel Valley Single Family Homes
City Alhambra
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Zip Code 91801
Condominiums
Price % Sales of Chg from Single Family Price Median October Homes SFR ($1,000) 2011 13
$530
October 2012
23.1%
Price Median Condo ($1,000)
Sales Count Condos
SFR Only
Price & Chg from Median October Home Price/ 2011 Sq. Ft.
10
$385
14.9%
$373
Alhambra
91803
13
$435
2.4%
1
$260
-20.6%
$306
Altadena
91001
34
$510
26.9%
n/a
n/a
n/a
$337
Arcadia
91006
33
$1,050
40.2%
8
$647
19.7%
$431
Arcadia
91007
23
$1,208
38.1%
14
$459
4.7%
$457
Azusa
91702
26
$280
9.2%
9
$160
-1.2%
$218
Duarte
91010
19
$285
3.6%
5
$236
0.4%
$269
El Monte
91731
4
$315
4.7%
n/a
n/a
n/a
$253
El Monte
91732
12
$330
17.9%
15
$347
36.1%
$227
El Monte - South
91733
9
$275
0.0%
n/a
n/a
n/a
$216
Glendora
91740
22
$326
-0.5%
2
$225
-21.5%
$242
Glendora
91741
23
$409
-15.2%
1
$444
39.0%
$270
La Ca単ada Flintridge
91011
22
$991
12.6%
1
$641
n/a
$503
La Verne
91750
33
$458
7.9%
7
$224
-1.5%
$239
Monrovia
91016
21
$500
23.5%
10
$338
-0.7%
$350
Pasadena
91101
n/a
n/a
n/a
21
$448
19.5%
n/a
Pasadena
91103
10
$482
68.9%
n/a
n/a
n/a
$382
Pasadena
91104
27
$503
29.5%
2
$355
73.2%
$369
Pasadena
91105
12
$840
11.9%
7
$670
15.7%
$445
Pasadena
91106
6
$560
-36.4%
14
$420
14.0%
$455
Pasadena
91107
23
$727
23.4%
8
$496
128.3%
$403
Rosemead
91770
18
$383
-4.3%
5
$328
26.0%
$348
San Gabriel
91775
23
$599
-11.9%
2
$585
27.1%
$380
San Gabriel
91776
11
$381
-11.0%
4
$477
n/a
$344
San Marino
91108
17
$1,700
21.4%
n/a
n/a
n/a
$612
Sierra Madre
91024
3
$646
4.6%
2
$468
-20.0%
$412
Temple City
91780
26
$554
8.5%
5
$419
n/a
$363
Source: DQNews.com
December 2012
YPN Charity Poker Tournament
Last month the AAR Young Professionals Network held a charity poker tournament at 4th Dimension in Old Town Monrovia. The purpose of this event was to raise money to donate to local charities at the end of the year. Over 50 REALTORS® and Affiliates showed up with their poker faces on all while helping to support a good cause! Special thank you to Micah Adams and Kelvin Chang, YPN Co-Chairmen who worked so diligently to make this event a great success! Also, thank you to our sponsor Wells Fargo. We truly appreciate each person involved with this event because you helped to make it fantastic!
Winners of the various poker tournament prizes.
(626) 831-8862 www.morrisoninspects.com Arcadia REALTOR® Magazine
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AAR Receives N.A.R. Accredited Commercial Excellence Award
Dave Scarminach Receives ACS Volunteer Award
Congratulations are certainly in order to the entire AAR Commercial/Investment Committee. At the recent N.A.R. Winter meetings in Orlando last month, the AAR received the ACE Award (Accredited Commercial Excellence) from N.A.R.’s Commercial division! We were one of a select few Associations recognized with this achievement. 2012 AAR President Ryan Asao, 2012 Commercial Committee Chair Mike Vachani and AAR Executive Vice President, Andrew Cooper were proud to accept this award on behalf of the AAR Commercial/ Investment Committee and the entire membership of the AAR.
The AAR wishes to congratulate Dave Scarminach, Dilbeck Real Estate who recently received an American Cancer Society Volunteer award for his years of service. Dave, among others, was presented with a commendation from Los Angeles Supervisor Michael Antonovich for Outstanding Volunteer Services for the San Gabriel Valley Chapter of the American Cancer Society. Congratulations Dave! We appreciate your continued help in the fight against cancer!
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AAR leadership accepting the ACE Award on behalf of the AAR are (L to R): Jan Hope, N.A.R. Commercial; Mike Vachani, AAR Commercial Committee Chairman; Andrew Cooper, AAR Executive Vice President; Matt Ritchie, N.A.R. 2012 Commercial Leadership Forum Vice Chairman; Jean Maday, N.A.R. Commercial and Ryan Asao, AAR 2012 President.
December 2012
(L to R): Commendation recipients Cindy Ruiz, Nancy Ballentyne and Dave Scarminach receive their commendations from Leah Lewis, Regional Director of Volunteer Services, American Cancer Society, San Gabriel Valley.
President’s Farewell Message & Year In Review By Ryan Asao, 2012 AAR President
As I reflect on all that has happened in my life personally and professionally in 2012, I am most proud of the many successes I achieved during my Presidency of the Arcadia Association of REALTORS®. I began this year striving to make a difference for our members in this difficult economic climate. At the AAR, we have not only retained our membership in a challenging market, our membership increased by over 7% YTD. The success of our members was always the main focus behind every decision we made this past year. With AAR Executive Vice-President, Andrew Cooper’s and AAR Director of Education, Stephanie Maertens’ efforts, we increased our educational opportunities 3-fold with relevant classes to help our members make more sales and get educated! Through education, we provided more services than ever to our members. We increased communication through our new website we launched earlier in the year and we provided broker/ member outreach programs (ex: New Member Welcome Reception). I am also very proud of starting the AllStAARs Toastmaster group for our members who would like to improve their speaking and presentation skills. I am very proud to be the founding President of this amazing group. This year Andrew and I focused on reducing Association expenses without sacrificing services. The Budget and Finance Committee did an amazing job in changing the budgeting culture of our Association. We made smart decisions that will benefit all the members in our great association. Our community outreach has really grown this year with the new direction of our Public Relations Committee. We sponsored and attended many community events in our surrounding areas where we promoted the AAR, the strong value of using a REALTOR® and the virtues of home ownership.
We did so well this year, I was asked to be a panelist at the California Association of REALTORS® President’s Forum. I had the pleasure of sharing the amazing things we are doing in Arcadia with all the other Presidents and President-Elects throughout the state! On the panel, they asked what my favorite and least favorite moments were while I was President of the Arcadia Association of REALTORS®. There are so many things I really enjoyed about this Presidency. I really enjoyed making a difference for our members and I enjoyed the relationships I made this year. The most challenging responsibility is having the weight of the Association on my shoulders. I realize many of our members are struggling this year. Business has been difficult but I hope you took advantage of all the education your association offered this year because education will improve your business and help you grow as a professional and to keep you competitive and relevant in this market. A prime example of us trying to meet the needs of our members is the free Business Planning Seminar we’re hosting on December 13th in the AAR building. I challenge you to find another Association willing to do this for their members. I would like to thank all of the Board of Directors, Committee Chairmen, Committee members, amazing Association staff, volunteers and Affiliates for a great team effort this year. I would also like to offer a huge thank you to Andrew Cooper, (in my opinion one of the best Association Executive’s in the country), who helped to coordinate and facilitate everything the Association did this year and helped to contribute much to the success of the AAR. I hope you, as members, felt the difference! I surrounded myself with great people who shared my vision and passion for making a difference. I had a phenomenal year as your President of the Arcadia Association of REALTORS® and I look forward to a promising future. In closing, I hope I have inspired others to follow in my footsteps and to get involved with our great Association! The Presidency actually forced me to grow professionally and personally and I am a better person because of it. I had to learn how to become more efficient with my time and I surrounded myself with hard working people. Everyone told me my business would suffer during my Presidency. I thank God every day that they were wrong. I had the best year of my career! I attribute that success to making great contacts through my volunteerism across the country and in our local market in addition to tireless hard work, great focus and of course to the endless support of my wife, Paula and our three wonderful children. Thanks again for everyone’s support and I loved representing you all this year as the President of the Arcadia Association of REALTORS®!
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through the lens
A Look at What’s Happening Around the AAR Makeya “ a i v o Monrerence” Da Diff
s usines B a i v o MonrShowcase
al Estate Forecast with Annual Economict,Re enz Economis Robert Kleinh
N.A.R. Business Meetin
gs
PEPster Luncheon
Commercial Marketing Mixer 10
December 2012
Affiliate Corner
“Truth Is In. Myths Are Out” By Helen Spencer, Pacific Advisors
Myth: You Can’t Teach an Old Dog New Tricks: Nope. Just because a dog is approaching its more senior years doesn’t mean it can’t learn a new thing or two. In fact, with approximately 15 minutes of training every day for two weeks straight, even the most stuborn dog can usually learn how to sit, stay, fetch, roll-over or whatever your heart desires, regardless of age. The same is true of the myth that you can’t benefit from life insurance unless you die. If you take the time to learn about a policy’s living benefits and the different ways you can use them, you’ll discover some neat new tricks yourself. Myth: Double dipping puts germs into the dip: True; but so what? You run the same risk from breathing the same air as the double-dipper, or shaking hands with them, or kissing. It’s like the myth that “whole life insurance is a lousy place to put your money” – that’s true, too, if your idea of “good place” is somewhere you risk losing a lot on the chance of double-digit returns. If you prefer moderate but safe cash value growth, tax deferred, and an income-tax-free death benefit for your heirs, whole life is a very good place to put your money. Myth: Red cars get more speeding tickets: Busted: There are several plausible theories why this myth could be true. The trouble is, there’s no data to support any of the theories, much
Randall Traw Travels to Singapore
N.A.R. Presidential Liaison to Singapore, Randall Traw (seated second from left) at a business dinner with real estate delegates from Singapore.
less the myth itself. The same can be said for the belief that “all life insurance is created equal”. Although all policies seem to serve the same purpose, the differences can be profound. The safety and security of your whole life policy depends on the insurer you purchase it from. And with the customization options of riders or other special features, no two policies are the same. Myth: Hair and nails continue to grow after you die: False. This might look true, but it’s just an optical illusion. Bodies dehydrate in death, causing the flesh to pull away from nails and hair. Another illusion that is still being perpetuated by ‘financial experts’ is the myth that “Once you retire you should cash in your life insurance policy.” That might look like a good idea, but what we find is that all too many people get to retirement and find out, too late, that they’d be better off with a lot more insurance! Whole life insurance as part of your financial strategy can provide financial freedom, an additional level of security, and a legacy for loved ones. Everyone’s life situation is different. However, for all of us, death only comes once. There are many life insurance questions you should ask yourself. The key concept to understand is that you should not leave life insurance out of your budget unless you have enough assets to cover expenses for your loved ones after you’re gone. You can contact Helen Spencer at (626) 252-6047. Recently, Randall Traw, National Association of REALTORS® Presidential Liaison to Singapore traveled the country to attend business meetings with other Presidential Liaison’s and N.A.R. Leadership. The purpose of this meeting was to discuss upcoming events and movements to better establish real estate systems in Singapore. N.A.R. funded this trip. Thank you to N.A.R.!
Real estate delegates from Singapore at the recent N.A.R. Business Meetings. Arcadia REALTOR® Magazine
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Arcadia Association of REALTORS® 601 South First Avenue Arcadia, California 91006
“Income Tax Changes in 2013” TUESDAY, JANUARY 8, 2013 Two Identical Classes in One Day 8:30 a.m. to 10:30 a.m. AND 11:00 a.m. to 1:00 p.m. AAR Building Cost: FREE (a credit card number will be required to reserve your registration)
Visit www.TheAAR.com for more details and to register
Dedicated to Providing High Quality Legal Services ®
• Estate Planning • Trust Administration • Probate • Business Law • Commercial Transactions • Corporation, LLC & Partnership Formations • Business Contracts
Call today for a free consultation
Romy S. Rahmanian, Attorney
(626) 869-8787 37 E. Huntington Drive, Suite A • Arcadia, CA 91006 romy@rahmanianlaw.com • www.RahmanianLaw.com
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