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April 2014 Thank you to Mr. Boris Kochubievsky with Vis-Home, Inc. and Frank Mastroianni with EHomeScore.Com for sponsoring our General Membership Meeting on March 11, 2014.

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BOARD OF DIRECTORS Luis Rodriguez—President

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REALCOMP

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Barb Keleman

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Laura Green—CEO

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Al Makled—President Elect Robert P. Marx

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Frederick Tavolette

Carrie Gandolfo—Past President

Justin Roy Benjamin Welch

Victoria Strojny— Admin. Asst.


Chrysler Offer Extended, Fiat and Cherokee Added NAR, through its REALTOR Benefits® Program, has renewed its agreement with Chrysler Group LLC, extending Chrysler’s distinction as the "Official Automobile Manufacturer of the NATIONAL ASSOCIATION OF REALTORS®." The popular $500 cash allowance is available for members and association staff on the purchase or lease of select new Chrysler, Jeep®, Dodge and Ram vehicles, and now the Fiat® 500L. Read instructions before heading to the dealer at REALTOR.org.


HouseMaster is the most experience home inspection company in North America with 35 years of successful industry history and over 2 million completed inspections. We understand the need for professionalism, accuracy and speed. HouseMaster addresses these important requirements with; 

Inspectors certified with the National Institute of Building Inspectors or the American Society of Home Inspectors,

Error & Ommisions and General Liability Insurances,

Our Referral Liability Protection program reducing the real estate professional’s legal exposure for claims solely based on referring HouseMaster,

Our comprehensive inspection report with photographs of defective elements is delivered to our clients the same day of the inspection,

HouseMaster's written repair guarantee is included with each full home inspection,

Free one year client subscription to the Home Owners Network.

Convenient appointment times Monday through Saturday.

Multiple ancillary inspection services (Radon, WDI, Water, Well, Septic, Mold) available.

Provide your clients and yourself piece of mind and recommend HouseMaster the "Home Inspection Professionals". Call our staffed office at (888) 848-0202 or email us at scheduling@wescheduleit.com for a request for quote or to book an inspection.

Contact your local American Home Shield Representative Mark Light Senior Account Executive 800.800.8880 ext. 6116 jmlight@ahslink.com

Click the button to view Home Protection Plan Benefits for Real Estate Professionals brought to you by American Home Shield.


10 Things Real Estate Pros Need to Stop Telling Themselves Word are powerful, and the words you say to yourself can make or break you as a real estate professional. Here are 10 things you need to stop saying immediately. March 2014 | By Jared James

For any of you who either follow me on Facebook or Twitter or have seen me speak at an event, you know that there is one common theme that I often bring up regardless of the topic at hand: The power that words have, not only over other people, but especially over ourselves. Remember this old line that we bought into for decades? “Sticks and stones can break my bones but words will never hurt me…” Such nonsense. Words have amazing power to hold us back and do much more damage than sticks or stones could ever hope to do. This why I wanted to cover 10 things that real estate professionals need to stop saying. 1. When I slow down, I am going to… How many times have you heard yourself say this? “When I slow down, I’m going to… organize my database, contact all of my top referral clients, finally set up my systems to follow up with leads,” and so on. Stop lying to yourself and commit to what needs to be done in your business; otherwise it will never happen. It’s that simple. 2. My broker is not giving me enough leads. If your business is relying on your broker’s leads, then you don’t have a business. Broker’s leads are a bonus. Every day that you aren’t doing something to create business on your own is a day that you are coming closer to going out of business. 3. I’ve been getting leads, but they are no good. So, you’re getting leads that don’t convert and it has nothing to do with your systems or you, right? Nonsense! Any lead that comes to us, by its very definition, means that they have some bit of interest in real estate, even if they don’t buy or sell in the next 30 days. Did you know that 80 percent of all sales happen on the fifth to 12th contact? How many of us even get to that point? 4. I’m just too old to understand technology. This is one of my personal favorites; it’s something we say as a defense mechanism so that we don’t feel bad about not using something that could make us more efficient. Tools are learned through repetition, which takes effort. We are not too old, too young, or too anything other than maybe a little too lazy — I’m saying this with a smile on my face so you won’t hate me quite as much. As an industry, we have been teched to death, no doubt, but that doesn’t mean technology as a whole is irrelevant. The car replaced the horse and buggy; Google replaced the phone book; and e-signatures and the cloud have taken the place of carbon-copied contracts and fax machines. That’s just the way it is. I could list 100 more things we have to stop telling ourselves, but you get the point. Nobody talks to you more than you, and it’s time that you start taking that seriously Continued…..


5. I can’t afford to hire an assistant, spend money on marketing, hire a coach, and so on. As long as you continue to look at the cost of such services instead of the value they can bring back, you will continue to tell yourself this lie. Cost is what you pay for something, while value is what you get in return. Even if you started with a virtual assistant who automated your marketing efforts that cost you $300 per month but made you $30,000 in the next 12 months… Was it worth it? One of my coaching students e-mailed me last week and told me how he followed one of our marketing campaigns and picked up five listings in one week. Do you think he was telling himself that he spent too much on coaching at that point? Yes, you may need to be smart about it and start small, but the best businesses invest in themselves in order to get greater returns. 6. I don’t have any appointments today. You may not have any appointments with potential clients, but if you’re doing it right, then you have an appointment with yourself every single workday. All of our coaching students have to schedule their “hour of power” with themselves every day, which is time to focus solely on activities that have the potential to create future business. It’s their job to keep this appointment whether their business is busy or slow on that day. 7. People don’t want to be “sold.” Nonsense. People absolutely want to be sold. What they don’t want is to deal with a snake-oil salesperson. But they do want to be convinced that what they are doing is the right decision and can be justified to others. Some people do need to be convinced that they should sell their house for less than they wanted to, or pay more than they wanted to for a house — as long as you know it is the right decision for them in their specific market. That is why they hired you. If you were just going to follow every marching order they gave you without giving any input, then why are they paying you? That’s not value; that’s robbery. 8. That agent stole my client. To date, I have yet to hear of an agent climbing into a buyer or seller’s house in the middle of the night, tying up your clients, and stealing them. Clients make decisions to be represented by someone else. As long as you are blaming the other agent, you will never focus your energy where it really belongs, which is asking the client why they want to leave in the first place, and what can you do better next time. 9. Buyers are liars. Buyers aren’t liars. (Remember, words have power.) Are they confused as to what they want sometimes? Yes. Do they make an emotional buying decision at times even when a house doesn’t have the yard that they told you they wanted? Yes. But as long as you keep telling yourself that the very people you are supposed to be representing – and who help to pay your bills – are liars, then there is no way that you can view them in the manner that is required to truly care for their needs and represent their best interests. 10. I lost the listing because I wouldn’t take a lower commission. It is rare that anyone has ever lost a listing because they wouldn’t take a lower commission. They lost the listing because the client didn’t see enough value in what they were charging. Have you ever seen someone try to negotiate the price of a Mercedes down because they can always go and buy a Pinto for cheaper? Me neither. Because they aren’t on the same value scale. If you are just like everyone else, don’t be surprised if they value you the same as everyone else. If I were to ask you what differentiates you from your competition, you better be able to tell me something other than how honest and hard-working that you are.


UPDATE ON RENTAL HOUSING TASKFORCE The City of Dearborn Rental Housing Task Force meeting took place at last week with two of our members Laura Green and Ted Easterly in attendance. The residential services department did a fine job of describing the significant progress made through the combined efforts of the taskforce and the city departments. Some of the recent improvements implemented were presented at the meeting including new tablets for inspectors, ability to cross check data from other departments in the city and collaboration with neighborhood services. The goal is to communicate and educate landlords and tenants alike on the ordinances and standards required of residents and properties in the City of Dearborn. Ways to identify rental properties Expired inspection reports “For Rent” signs assessor records of homestead exemptions online submittals neighbor complaints C of O Reviews The department has made significant progress in the last year identifying unregistered rental properties. This will ensure proper compliance with inspections and improve our neighborhoods. Four Step Enforcement Letter Notice of Violation Posting Ticket Please advise your buyers to properly submit their property transfer affidavit to the assessor with the correct homestead information and register their property if it is not owner occupied. The department and the taskforce will continue to meet on a regular basis. One of the future goals for the group will be to implement a “Good Landlord” program with incentives for good landlords.

In the meantime, check out the Rental Program website! http://www.cityofdearborn.org/city-departments/residential-services/rental-home-registration-information


2014 Dearborn Firefighters Burn Drive Car Raffle 1st Prize- 2014 Camaro SS Convertible or $40,000.00 2nd Prize- $3,000.00 Vegas Trip 3rd Prize- 50" Flat Screen TV Tickets are $50.00 each (Ticket includes admission to party with open bar, food, entertainment and chance at several other prizes)

All proceeds benefit the Dearborn Firefighter's Burn Drive Drawing date: April 29, 2014 6:00 PM @ The Hubbard Ballroom Dearborn's Ford Community & Performing Arts Center 15801 Michigan Avenue Dearborn, MI 48126


What You Should Know About Your Home and Your 2013 Taxes 

Published: December 12, 2013

By: Dona DeZube

It’s the last year for three sweet home tax benefits, but the first for a way simpler home office deduction These days few things start a fight on Capitol Hill faster than taxes. Despite the fact that three important tax benefits used by millions of American homeowners are days from expiring, Congress is unlikely to do anything to re-up them any time soon. So if you’re eligible, tax year 2013 is possibly the last time to claim the private mortgage insurance (PMI) deduction, the energy tax credit, and debt forgiveness benefit, all of which all expire on Dec. 31, 2013. At least there’s one piece of good news for homeowners: If you have a home office, there’s a new, simpler option for calculating the home office deduction for which you may qualify on your 2013 taxes. Meanwhile, here’s what you need to know about those expiring benefits as you ready your taxes: PMI Deduction This tax rule lets you deduct the cost of private mortgage insurance, which is what you pay your lender each month if you put down less than 20% on a home. PMI protects the lender if you default on the home loan. Your deduction could amount to a couple hundred dollars depending on your tax bracket and other factors. Find out if you qualify for and how to take the PMI deduction. Energy-Efficiency Upgrades This sweet little tax credit lets you offset what you owe the IRS dollar-for-dollar for up to 10% of the amount you spent on certain home energy-efficiency upgrades, from insulation to water heaters. On the downside, the credit is capped at $500 (less in some cases). But on the bright side, the right improvement could lower your utility bills indefinitely. Related: Take back your energy bills with these high-ROI energy-efficiency practices. Debt Forgiveness When you go through a short sale, foreclosure, or deed-in-lieu, your lender typically lets you off the hook for some or all of what you owe on your mortgage. That forgiven mortgage debt is income, on which you’d typically have to pay income tax. Suppose you’re in financial distress and your lender agrees to let you short-sell your home, say for $50,000 less than you owe on the mortgage, and forgive you for the balance. Without the protection of the Mortgage Debt Forgiveness Act, you’ll owe income tax on that $50,000. It’s likely if you had the money to pay income tax on $50,000, you’d have used it to pay your mortgage in the first place. New Simplified Option for the Home Office Deduction This may be the last year for the benefits above, but a new one kicks in for the 2013 tax year. If you work from home, you may qualify to use a new, simplified option for claiming the home office deduction when you file your 2013 taxes. How much simpler is it? It lets you claim $5 per sq. ft. for up to 300 sq. ft. instead of having to compute the actual expenses of your home office using a 43-line form. To calculate the square footage of your office, just multiply the length of two walls. For example, an 8-by-10-foot room is 80 sq. ft. And at $5 per, that’s $400. Although using the simplified option is obviously easier, the basic requirements for claiming the home office deduction haven’t changed. Your home office still must be used for business purposes: Exclusively, and On a regular basis.

Read more: http://www.houselogic.com/blog/tax-deductions/tax-deductions-credits-for-homeowners-2013/ #ixzz2wcftvNWn Follow us: @houselogic on Twitter | houselogic on Facebook


Register for the Online At Home with Diversity Course by 4/15, earn the Fair Housing Bundle-Download and a chance to win a $100 gift card with MVP On April 1st, All MVP members will receive this: YOUR OFFER DATES: April 1-15, 2014 YOUR MVP ACTION: Register for the At Home with Diversity Certification Course YOUR REWARD: Fair Housing Bundle-Download and a chance to win a $100 Gift Card REWARD VALUE: $24.90 Follow these few easy steps to earn your free reward: 1. Click the “ACT NOW” button to be taken to the Online At Home with Diversity Order page. 2. Purchase the online course. 3. Within 48 hours of your purchase, you’ll receive an email with a promotional code to download the Fair Housing Bundle-Download. You will automatically be entered into the drawing for the $100 gift card. Winner will be announced 4/21.

UPCOMING MVP PROGRAM MEMBER OFFERS TO SHARE

April 16–30: Register for the FREE Realtor® Party Trade Expo and you will earn the Just Sold! The Real Estate Professional's Guide to Selling More in Less Time-Download Free, PLUS be entered for a chance to win a $250

"I have to have a raise in my commission," the agent said to his manager. "There are three other companies after me." "Is that so?" asked the manager. "What other companies are after you?" "The electric company, the telephone company, and the gas company."


CBOR & CPIX Alliance Visit www.CBOR.net and www.CPIX.net

What is the “Alliance”? The CBOR/CPIX Alliance is a benefit available through the Dearborn Area Board of REALTORS® that provides commercial real estate services to primary members of the Dearborn Board through the Commercial Board of REALTORS® (CBOR is a statewide commercial overlay board). CBOR focuses on providing Michigan’s commercial real estate practitioners and industry related professional services and benefits. One of CBOR’s greatest benefits is www.cpix.net, the statewide commercial property information exchange (CIE), which is similar to the local MLS. A CIE is a commercial marketing platform following guidelines from the National Association of REALTORS® with a public interface. CPIX membership is available to real estate licensees, appraisers, and economic development organizations, but not the public. As a primary Dearborn Area Board member, you are able to participate in CBOR and CPIX on either a guest or membership level. The level of participation is based on how involved you are in the commercial real estate industry. Participation Agreements should be obtained from DABOR. DABOR will send your application to CBOR. CBOR will collect your dues/fees directly. For more information on this DABOR benefit or an application contact the DABOR office 313-278-2220.

Our board store offers many items to help you with your business needs. Stop by and see what we have today.


DABOR Bulletin Board Continuing Education Requirements

State Licensing Requirements During the 3 year licensing cycle each agent must complete a minimum of 2 hours approved legal coursework each year. In addition, each agent must also complete 12 hours of approved coursework of their choice. The additional 12 hours of coursework may be completed anytime during the 3 year cycle. **New licensees In the first and second year of the license cycle, licenses issued on or after November 1 of the current year do not require con ed for the current year. In the third year of the license cycle licenses issued on or after July 1st no con ed is required.

DABOR Presents along with NCI and Associates 6 hours of continuing education including 2 hours of yearly mandatory legal update. The following dates are scheduled for 2014. Check-in for all classes is 8:30am. Class time is 9:00am3:30pm. Lunch is included. All students must register and pay prior to class. No walk-ins. May 7 September 17 October 8 November 12 December 16


Legal Hotline QUESTION: I am a listing agent for a real estate firm that practices designated agency. My husband works at the same firm and he is the designated agent of a buyer who wants to make an offer on one of my listings. Can we do this or are we required to enter into a dual agency arrangement? ANSWER: While the law does not expressly prohibit a husband and wife from acting as designated agents on opposite sides of a transaction, we would strongly advise against it. If a problem later arises in connection with the transaction or the property, it may be difficult to convince the parties (or a court) that the parties received the full range of fiduciary duties from their respective designated agents.

News from NAR: National Flood Insurance Program

On March 13, 2014, the United States Senate voted 72-22 to approve the Homeowner Flood Insurance Affordability Act (H.R. 3370). The Senate acted quickly to pass the bill as amended by the House to avoid the need for a conference committee to reconcile any differences. The new bill further reins in and holds the Federal Emergency Management Agency (FEMA) accountable for the Biggert-Waters implementation issues. As passed, the bill repeals FEMA’s authority to increase premium rates at time of sale or new flood map, and refunds the excessive premium to those who bought a property before FEMA warned them of the rate increase. The bill limits premium increases to 18% annually on newer properties and 25% for some older ones. Additionally, the bill adds a small assessment on policies until everyone is paying full cost for flood insurance. President Obama is expected to sign the bill into law when it arrives at the White House. NAR had urged a swift vote in the Senate.

This space available!!! 1/2 Page of Advertising for -$100.00 Year,$75.00 Six Months,$25.00 Per Month 1/4 Page of Advertising for - $50.00 Year,$40.00 Six Months,$15.00 Per Month Contact the board office for details

Generational Trends Study Released NAR released its report on Home Buyer and Seller Generational Trends today. The study found that younger home buyers tend to view their home as a strong investment, more so than older buyers who tend to view their homes as a match to their lifestyle. Read more about the report here. Also access and share with your members a 3-minute video on the report's top findings.

Watch the sweet 16 edition vodcast, live or at least in one take from Lansing. http://www.youtube.com/watch?v=VsahO0W_EnA


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Adam's Cleaning Services, Inc.(313) 561-3303Adam Seccombe American Home Shield(800) 800-8880-John M. Light Americana Home Inspection(734) 692-3900-Al Herfi America's Preferred Home Warranty(800) 6485006-Jeff Becker AMS Tree Service (734) 578-5476-Steven Skrobot Assenmacher and Associates P.C. (313) 2775800-Jerome E. Assenmacher

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Fifth Third Bank-(313) 749-0683-Jameleh Haidous First American Title Insurance(734) 692-9914Frank Lucarelli Flagstar Bank-(313) 271-1260-Rafi Sabbagh MemberFocus Community Credit Union (313) 5812002 - Christine Clark Morse Moving & Storage, Inc.(734) 484-1717-John Green Parks Title (313) 505-6606 Mark Jefferson PNC Financial Services(734) 281-5219-Ali Shami

Bank of America-(313) 949-7948– Ghassan Alkhalidi

PrimeLending A Plains Capital Company(313) 2746500-Rebecca Shearer

Cutco Closing Gifts-(248) 703-9938-Adam Swintek

Reckingers Heating and Cooling(313) 562-3456Steve Krstevski

Dearborn Federal Savings Bank(313) 565-3100Marty Heger & Connie Seiler

Title One Inc.(734) 427-8006-Bernie Youngblood

DFCU-(313) 322-8352– Russell Frederick

Two Men and a Truck (313)749-1000-Dennis Gallagher

Dearborn Press & Guide(734) 246-0831-John J Vargo Fairlane Title Agency, LLC(318) 846-5200-Rachel Ross

Title One Inc.(313) 561-6631-Debbie Kudla

Vis-Home (734) 945-0396 -Boris Kochubievsky Wells Fargo Home Mortgage(515) 213-4291- Jim Linnane


April2014