Greater DAOR June quarter Magazine (2017)

Official publication of the

greater

DOWNEY ASSOCIATION OF REALTORS ®

IN THIS ISSUE: •What’s Happening in the Economy

OF A.

R. L EG DAY

• DAOR Celebrates 70 Years

E

ES T HIN K

C.

•REALTOR Community Week

W HAT DID A TT

• C.A.R. Legislative Day + RAF Contributors

E ND

2nd Quarter 2017 Volume 4 Issue 2

Joe Curd

CURD, GALINDO & SMITH LLP Trial Lawyers Alex Galindo

Jeffrey B. Smith

The experienced trial lawyers at Curd, Galindo & Smith have obtained numerous million dollar verdicts and settlements in favor of their clients over the years and can help you in your litigation needs. Curd, Galindo & Smith, LLP, is a full service law firm that includes practice areas of real estate, bankruptcy, criminal law, estate planning, civil business litigation, personal injury, product liability and police misconduct. The firm represents both corporate and individual clients of all sizes and those who have been seriously injured or have lost a family member due to an accident, defective product, police misconduct or negligence.

301 E. Ocean Blvd Ste 1700 Long Beach, California 90802 Telephone: 800-300-2300 www.cgslawyers.com

2017 Leadership of the DAOR Executive Directors: Mario Acevedo, President Ericka Saenz, President-Elect Dan Nevarez, Vice President Rowena Dominguez, Treasurer Jeanette Baumann, Executive Vice President Directors: Michael Berdelis Maribel Chavez Maria Lilley Remoun Said Diane Sanchez Ruben Sarinana Vicki Spearman Immediate Past President: Carrie Uva

The Greater Downey Association of REALTORS 12073 Paramount Blvd - Downey, CA 90242 562 861-0915 - Fax 562 923-9995

www.DAOR.com Monday - Friday 9am-5pm Saturday 9am-1pm 24/7 text support :

Text DAOR to 55469 Volume 4 - Issue 2 1

This publication is printed quarterly, delivered

DAOR Chaplain: Ruben Sarinana CAR State Directors: Carrie Uva (also a NAR National Director; Mario Acevedo, Ericka Saenz, Josué Barrios, & Mireya Ruiz (also on CAR State Executive Board) Affiliates In Action Committee Carmen Meraz, Chairperson Awards Committee Jason Cierpiszewski, Chairperson Budget & Finance Committee Nubia Aguirre, Chairperson DAOR YPN Jasmin Jones, Chairperson Grievance Committee Jeff Worthy, Chairperson LCRC Trustees Kirk Cartozian, Chairperson Local Government Relations Jimmy Mercado, Chairperson Membership/MLS-Technology Committee Sandra Carnet-Gutierrez, Chairperson Nominating Committee Sossi Gabriel, Chairperson Professional Standards Committee John Lacey , Chairperson REALTOR Community Relations Committee Esther Lee, Chairperson Scholarship Committee Natalie Romo, Chairperson

DAOR Staff Jeanette Baumann, EVP - evp@DAOR.com Customer Care Department Nelly Palma, nellyp@DAOR.com Andrew Garcia, communications@DAOR.com Jessica Aiwazzi, cs@DAOR.com Membership Department Julie Sartor, julies@DAOR.com Violet Pantoja, membership@DAOR.com Susie Gonzalez, cs@DAOR.com

Table of Contents: PAGE 1-2 DAOR’s 70th Anniversary Party PAGE 3-4 What’s Happening In The Economy PAGE 5 April 5th Luncheon PAGE 6 YPN-AIA Mixer PAGE 7 REALTOR Community Week PAGE 8-10 DAOR leadership In Sacramento For Legislative Day PAGE 11-12 REALTOR Action Fund Contributors PAGE 13 Annual Bowling Tournament PAGE 14 Coffee With The President PAGE 15 Affiliates In Action On The Cover Refer To Page 8

THE GREATER DOWNEY ASSOCIATION OF REALTORS ®

INTRODUCING OUR

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New Logo and Name

The Downey Association Of REALTORS (DAOR) celebrated their 70th anniversary along with a name change.

The DAOR received a charter to conduct business from the National Association of REALTORS in 1947 with a membership of 39 men and 12 women, over the years, we celebrate 70 years with over 3,000 members.

For many reasons the leaders of DAOR have been evaluating who we are, what we stand for and who we represent; with 65% of our members not physically located in the city of Downey, DAOR is best to be described as a central city together with adjacent cities that are naturally and administrativly connected.

DAOR is now known as The Greater Downey Association of REALTORS.

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What’s Happening in the Economy U.S. Economic Freedom Index Plunged Over Last Eight Years

by Gary D. Halbert

Index Explained The Heritage Foundation is a conservative think-tank based in Washington, DC, founded in 1973. Since 1995, Heritage has published an annual ranking of developed nations based on their level of economic freedom – or put differently, the ease of doing business in these countries.

The Economic Freedom Index is based on such variables as the rule of law doctrine, property rights, fiscal health, business freedom, tax burdens, government spending and other indicators of economic freedom in 186 countries. Based on these criteria, each country gets an overall freedom index score, which then can be ranked against other countries.

As Heritage points out, there is good reason to focus on these measures of economic freedom, since they directly correlate with a country’s growth and prosperity. The latest report notes, “The affirmative link between economic freedom and long-term development is unmistakable and robust. The higher a country’s level of economic freedom is, the higher its income per capita also is.”

The good news is that economic freedom worldwide has been inching up for the past two decades. It went from a low of 57.1 in 1996 to 60.9 today, as of the latest report. But the US has been

falling in the rankings since the late 1990s and precipitously in the last eight years.

US Economic Freedom Index Plunged From #6 to #17 The Heritage Foundation Economic Freedom Index for 2016 was released last week, and the US continued to fall in the rankings. The US currently ranks a dispiriting 17th on the Heritage Foundation’s Index of Economic Freedom of 186 developed nations.

What’s important to know is that the US is down from 6th when President Obama took office in 2009. So in just eight years, the US has plunged from 6th in the world to number 17. The question is, why?

The bad news is that it’s been on the decline in the US since 2008, when it stood at 80.7. Since then, it has dropped every year but one under Obama, and now measures 75.1. That’s the lowest score for the US since Heritage started this index 22 years ago.

As a result, the US now ranks behind Hong Kong, Singapore, New Zealand, Canada, Taiwan, the U.K., Luxembourg and the Netherlands, among others. Even Lithuania currently has more economic freedom than the US. The Heritage report explains: “The substantial expansion of government’s size and scope,

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increased regulatory and tax burdens, and the loss of confidence that has accompanied a growing perception of cronyism, elite privilege, and corruption have severely undermined America’s global competitiveness.”

In other words, the US Economic Freedom Index was dragged down largely by Obama’s anti-growth war on businesses, investors and other productive elements of the economy.

Not surprisingly, the past eight years have also been characterized by historically low economic growth rates, with annual US GDP growth never once hitting 3% under Obama.

Turning this around should be a priority in Washington – for both Republicans and Democrats. Faster economic growth is desperately needed, not only to create jobs and increase prosperity, but also to reduce the federal government’s huge budget deficits and mountain of debt.

Unfortunately, Democrats and the mainstream press are entirely focused on destroying the Trump administration before it has the chance to put forward any of its pro-growth proposals, including tax cuts for individuals and corporations.

If the US continues to slide down the scale of economic freedom and the economy continues to struggle, the blame will rest on the shoulders of these obstructionists. Of course, the liberal mainstream media will never admit these truths, but now you know.

How Upcoming Tax Reform Proposals Could Affect Americans Donald Trump repeatedly promised to cut income taxes for most Americans and for US corporations. He also promised to simplify the US tax code significantly, suggesting that his changes could put H&R Block out of business.

But tax simplification isn’t a simple task, and changing the tax code isn’t something he can do by himself. The tax law, which has thousands of sections and subsections, is just that: law. A new law, or a change to an existing one, must be passed by both houses of Congress before it is signed by the president.

The House Republican leadership released a tax reform plan last year, which remains on the table although it has yet to get much traction in Washington. Mr. Trump has said that he will work with Congress to pass what he calls the “Middle Class Tax Relief and Simplification Act,” the provisions of which he proposed in September.

In his press conference last Thursday, Trump said that “tax reform is going to happen fairly quickly” but that dealing with the Affordable Care Act had to come first. He said that would happen next month.

The House tax proposal and Trump’s plan differ – for instance, on whether to limit deductions for real estate taxes and mortgage interest. The changes that may actually result are still a mystery.

However, it is unlikely that changes in the tax code would affect tax returns that must be filed this year, which cover last year’s income and deductions.

Summary of Major Tax Reform Proposals Under Consideration With the caveat that any list of forthcoming tax changes is speculative, here is a summary of some of the major items that are under discussion and that may affect your tax returns: Income Tax Rates. The Trump plan and the House plan would both cut the top rate to 33% percent from 39.6%, raise the lowest rate to 12% from 10% and collapse the number of brackets – different tax rates at different income levels – to three from seven.

Itemized Deductions. The Trump plan would cap itemized deductions at $200,000 a year for married couples filing jointly and $100,000 for single filers. To take an itemized deduction, you subtract the specific item from your income, which reduces your taxes. But under the Trump plan, the standard deduction would increase, so many people who file itemized returns now may not find it in their interest to do so in the future.

Capital Gains Tax Rates. The Trump plan does not call for lowering the rates on long-term capital gains, which now top out at 20% for the highest earners – single filers with adjusted gross incomes above $415,050, and couples with incomes above $466,950. Taxpayers in the 10% and 15% brackets pay no capital gains taxes. The House plan would lower capital gains rates.

Mortgage Interest & Real Estate Tax Deductions. The itemized-deductions cap proposed by Mr. Trump would effectively limit interest and real estate tax deductions for the owners of expensive homes – a backdoor way of curtailing them. There has been talk in Congress for years about limiting or eliminating itemized deductions for mortgage interest (interest payments on up to $1 million in mortgage debt are now deductible), usually in conjunction with raising the standard deduction, although these changes are not part of the current House plan.

Filing Status. The president’s plan would eliminate the head-ofhousehold filing category, which gives more favorable rates to some unmarried people who can claim dependents than to single taxpayers.

Standard Deduction. Mr. Trump would increase the standard deduction to $30,000 from $12,700 for married couples and to $15,000 from $6,350 for single filers.

Personal Exemptions. Mr. Trump has also proposed doing away with exemptions for taxpayers and their dependents, which are worth $4,050 each. (An exemption is like a deduction; you can subtract the amount of the exemption from your income and cut your tax bill.) Those exemptions now begin to phase out at an adjusted gross income of $259,400 for single taxpayers and $311,300 for married couples, and disappear completely for incomes above $381,900 for single filers and $433,800 for couples.

Medical Deduction. Taxpayers who itemize can currently deduct medical expenses that amount to more than 10 percent of their adjusted gross income. That amount rose from 7.5 percent (where it remains for people over 65) as part of the Affordable Care Act. If the act is repealed, will the rate go back down? That’s uncertain.

Again, these are just highlights of the current tax reform proposals. It will be interesting to see how these proposals change and morph as the debate goes on. I’ll keep you posted.

Gary D. Halbert is the president and chiarman of Halbert Wealth Management, Inc. His Forecasts & Trends Weekly E-Letter may be obtained free of charge by subcribing at www.halbertwealth.com.

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Unleash your true Leader

In April, 229 DAOR REALTOR Members and Affiliates met to network over lunch and hear speaker Jeff Nischwitz and honor our first quarter top producers. Speaker Jeff Nischwitz is an author, inspirational leadership speaker and personal transformation coach who helps you remove the blocks that are keeping you from what you want. Jeff ’s singed books are available for sale at the DAOR store.

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YPN-AIA

Annual Mixer

The DAOR Affiliates in Action (AIA) & Young Professional Network (YPN) hosted a mixer in April to have attendees hear first hand from millennial buyers what they are looking for and expecting from their REALTOR. 63 members and affiliates attended and enjoyed themselves. YPN & AIA invites everyone to their next networking event.

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REALTOR Community Week

In Celebrating REALTOR Community Week 2017, the Greater REALTORS donated over 200 items of professional clothing to Clothes The Deal, a non profit organization that helps people find employment; several boxes of can food were donated to PTA Helps Downey Food Pantry. REALTORS had a build day with Habitat for Humanity on Elm Vista in Downey, and simultaneously REALTORS beautified their city in the cities of Downey, Pico Rivera, Whittier, Norwalk, and Huntington Park. Thank you to all REALTORS who contributed and hope you join us next year

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DAOR LEADERSHIP IN SACRAMENTO FOR LEGISLATIVE DAY The Greater Downey Association of REALTORS® joined more than 2,000 statewide REALTORS® at the California Association of REALTORS® (C.A.R) on May 3rd for the 45th annual Legislative Day, in Sacramento. Over 2000 REALTORS® came together to discuss key real estate issues directly with their state legislators and staff. This day was an opportunity for networking, meetings with state legislators and lively industry related ‘Hot Topic’ discussions aimed toward outlining goals for a successful upcoming year. As part of its ongoing effort to educate legislators on issues of importance, The DAOR delegation met with Senator Tony Mendoza, Senator Ricardo Lara, and Assemblywoman Cristina Garcia. We discussed action on the following bills and issues: California is experiencing a chronic housing supply shortage which results in skyrocketing prices. California currently holds a population of 40 million with only enough housing for 25 million. This equates to an additional 3 million housing units needed by 2030 in order to meet the growing population numbers at a rate of 180,000 units per year--currently the state is only building half that amount. We stressed that Lawmakers can help increase the housing supply through: • • •

• •

Streamlined Permitting Process Fix CEQA to Fast Track Affordable Housing Require Local Govt to Implement Housing Needs Numbers Fund Affordable Housing Defeat Proposed Laws that Discourage Rental Housing Construction

AB 1059 - Dual Agency - OPPOSE. This bill prohibits dual agency in commercial real estate transactions because it drastically limits consumer choice. “Dual Agency” refers

to the practice of representing both buyer & seller in a real estate transaction. California has maintained its leading consumer friendly role for over 30 years, focusing on the legalities for dual agency relationships in real estate transactions. AB 1059 is being sponsored by a single commercial brokerage firm, that only represents potential tenants, in order to undermine competition. The bill is premature and drastically limits consumer choice by prohibiting agents from discussing multiple properties with prospective buyers during commercial “open houses”.

SB 640 (Hertzberg) - Service Tax - OPPOSE. We oppose any legislation that will lead toward a service tax, especially in real estate transactions. A tax on services would heavily tax ‘service intensive’ home buying transactions including: appraisal, brokerage, escrow services, staging, home inspections etc. In addition, this sales tax covers the services in preparation of selling or after purchasing a home including: landscaping, painting, etc. Based on the 2016 state median priced home, these services comprises nearly 13% of the price of a home. Overall, this sales tax would result in a significant increase in the cost of buying or selling a house and could prevent more than 55,600 families from being able to afford the median priced home. C.A.R is opposing SB 640 because it damages housing affordability in a market that is already experiencing a housing affordability and supply crisis. C.A.R also considers this to be a regressive tax with disproportionately negative impacts on lower and middle income families.

Finally, the DAOR delegation urged legislators to SUPPORT legislation that increases supply of housing (AB 352, AB 494, AB 229, AB 72, AB 678, AB 852, AB 879 & SB 2) and OPPOSE legislation that discourages the creation of new rental housing (AB 1506, AB 423, AB 982, AB 1505 & SB 2).

Through the 2017 Dues collection and office visits, members who contributed to the REALTOR Action Fund (RAF) were submitted into a drawing to win a free trip to Sacramento May 3, 2017 to attend The California Association of REALTORS Legislative Day. On the cover you will find the winners along with our 2017 State Directors, and committee Chairs. (l to r) Jimmy Mercado- LGR Chair, Eloy Villamil- winner, Carrie Uva- State Director, Monica Villamil, Mario Acevedo- 2017 President, Andrea Jimenez- winner, Jose Perez- winner, Yami Rico- winner, Ericka Saenz- State Director; Josue Barrios- State Director. Missing Mireya Ruiz- State Director. In circle inset (missing from photo) Jasmin Jones- YPN Chair.

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y a D e v i t a Legisl s l a i n o m i t s e T

Andrea Jimenez

“I had the privileged opportunity to travel with the DAOR legislative committee and fellow DAOR colleagues to our State Capitol for Legislative Day. What an eye opening experience! It’s so easy to go about our daily business without ever putting a thought into the Government Affairs at hand that affect our industry and its consumers. By contributing to the Realtor Action Fund and becoming a Legislative Liaison, you can directly influence the political issues affecting us as REALTORS and even more important, the consumer.

DAOR welcomes you to ask questions, get involved, let your voice be heard and serve with purpose. I look forward to your participation. God Bless - Andrea Jimenez, Broker RE/MAX Dynasty.”

Yami Rico

“I was a lucky recipient of a CAR Scholarship fund to attend Legislative day in Sacramento on May 3rd, 2017. As I joined my fellow REALTORS on legislative day, I was pleasantly surprised on how much and cleared information we were provided. Legislative day was an eye opener to see the large representation of REALTORS and how many different issues they tackled ‘United’. Contributing to the Realtor Action Fund is a must. This fund allows us to have political representation, a political voice and help defeat government proposed legislation that could impact the way we do business, impact our communities and our income. Items like the protection of home ownership, taxes on real estate transactions, additional taxes on your earnings and many other critical issues.

Contribute today to the RAF and stay involved.

We must remain United and Informed; it is critical to our Success!”

Eloy Viallamil “The experience was unique. I had the great opportunity to be discussing with other Real Estate colleagues about the main issues that endanger our economy and the future of homeownership in California.

I believe there are years ahead to work on the solutions, but if we all collaborate together we can make an impact even if we don’t see it now, our future generation could live in a better place!”

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Monica Villamil “Car Leg Day was a one of a kind experience. I felt privileged to be sitting amongst REALTORS that actively work in defending our community’s rights to preserve homeownership. On a larger scale, I was able to see a bigger picture regarding issues like the shortage of housing in California and the domino effect that this is causing in our communities. I came back home with the obligation to help our community to find solutions that would help people currently renting not only to get into a home, but to help them envision affordable retirement in California through investing in Real Estate.”

Jimmy Mercado “I personally was not aware of the relationship and effect REALTORS have with their state legislators. Traveling to the state capitol was an eye opener, especially as a Latino. Although our state senator and Assembly members for our district are Latino, this trip highlighted how under represented we are among active REALTORS within C.A.R. in a state where we are a large minority.

Overall, it was great experience bonding with my peers of DAOR . I recommend everyone takes this trip at least once in their lives to really see the bigger picture of California real estate.”

Jose Perez

“For me it was a first in a lifetime experience to see so many Realtors come together for a great cause to protect their rights. It was a pleasure meeting many of our legislators and seeing exactly how our representatives lobby for us and all the work that goes behind the scenes.

I really enjoyed the trip out there and the hospitality that was given by all the DAOR personnel. I appreciate the amazing experience and I’m excited to go back again next year. It opened my eyes and my enthusiasm to be more proactive in the legislative aspect of Real Estate.

The REALTOR Action Fund should not be ignored by Realtors - everyone should contribute at least $20.”

’S R O DA

s r o t c e r i State D

The California Association of REALTORS (C.A.R.) has over 250,000 REALTOR Members, each REALTOR belongs to one of 102 local Associations, and separated by 30 different geographically assigned Regions. Each local Association is allotted a number of state Directors dependent on the size of their membership to represent their local Region to vote on state business to advance homeownership and the policies of C.A.R. Each year the State Directors elect a President, President Elect and Treasurer, and each year the State President appoints, out of 2,800, only 12 State Directors to be on the Executive Committee of the State Board of Directors. For the first time in 70 years DAOR has its first appointed Executive Member..... Mireya Ruiz, past DAOR President, REALTOR at Century 21 Allstars. Seen here with DAOR’s other State Directors Ericka Saenz President Elect; Mario Acevedo President; Josue Barrios and Carrie Uva Immediate Past President.

Jasmin Jones “I never knew until I experienced it first hand. Before attending C.A.R.’s Legislative Day in Sacramento I did not know the importance of organized real estate and the REALTOR Action Fund. C.A.R.’s Legislative Lobbyist and Team battle hundreds of bills each year that affect the real estate industry and homeownership.

Without them and the support of REALTORS, bills helping our profession would not advance. Now that I know how serious the REALTOR Action Fund is, every REALTOR should contribute....and it starts at only $20 per year. I encourage every REALTOR to contribute to help save their profession.”

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2017 SUPPORT & DONATIONS FROM THE FOLLOWING OFFICES: Century 21 Realty Masters Delgado Real Estate Re/Max Innovative Century 21 Jervis & Associates Century 21 My Real Estates Century 21 Allstars Hoag Realty & Property Management SILVER BEAR CONTRIBUTORS $449 Carrie Uva Ericka Saenz Joe Villaescusa Mario Acevedo Mel Berdelis Mireya Ruiz MEMBERS WHO CONTRIBUTED $148 - The True Cost of Doing Business Adrian Guerrero Alex Saab Benito Chavez Bertha Rodriguez Corrine Santoscoy Daniel Nevarez Daniel Delgado Donald Cotton Edwin Huber Eloy Villamil Esther Lee Jeanette Baumann Joanna Castro Josue Barrios Joe Villaescusa John Romero Karen Hayashi Kathy Nelson-Potts Kirk Cartozian Larry Kooiman Louie Lujan Maria Fernandez Mercedes De la Cruz Michael Berdelis Norma Ramirez Remoun Said Rita Berdelis Sossi Gabriel Toni Stewart Vicki Spearmen Vincent Flores WesleyIniguez Inriquez Wesly MEMBERS WHO CONTRIBUTED $49 TO THE REALTOR ACTION FUND Alfonso Sanchez Ana Esparza Andra Patricia Jimenez Andrea Jimenez Angie Pierce Annamarie Banales Antoinette Mendoza Arlene Garcia Hanner Armando Gonzalez Armando Martinez Audalia Madrueno Ben Garcia Carolina Turcios Christina Davilas Chuck Gugliuzza Claudia Lomeli Don Jervis Jr

Dorothy Pemberton Felipe Morales Flor Martinez Frank Moreno George Gordon George Sanabria Gerald Green Hector Najera Jaime Enriquez Janet Lau Joanna Martinez Joe Salazar Jr John Lacey Jorge Rico Jose Rios Jose Hernandez

Juan Carlos Madiedo Juanita Urzua Julian Higueros Karen Villeda Lucy Salgado Maggie Camacho Maria Cibrian Maria Plascencia Plascebcia Maria Lilley Maria Elena Aguirre Maribel Chavez Marina Martin Mario Persico Mario Mariscal Mike Rico Miriam Villanueva

Nubia Aguirre Penny Watson Raymond Garcia Rene Luna Rina Villeda Rosie Soto Fraire Rowena Dominguez Russell Skersick Sonia Delgado Stephanie Banuelos Susan Paine Teresa Pulido Tony Lai Virginia Hernandez Yami Rico Young Lee

MEMBERS WHO CONTRIBUTED $20 TO THE REALTOR ACTION FUND Al Allensworth Alain Toca Albert Verduzco

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Alejandro Salazar Alex Veloz Alma Morales

Alvaro Santillan Amado Benitez Amy Brick

Anastacio Pacheco Andrea Jimenez Andres Campoy

MEMBERS WHO CONTRIBUTED $20 TO THE REALTOR ACTION FUND 2017 Angelica Hernandez Angelica Moreno Ann Cicerone Cicierone Anthony Verdugo Antonio Martinez Antonio Lanz Antonio Garcia Armando Gonzalez Arnold Cheesman Art Adorno Adomo Arturo Basulto Arturo Gonzalez Autumn Gutierrez Beatriz Moreno Bradford Humphrey Brian Lazo Bulmaro Reyes Caritin Baez Carlos Gamboa Carlos Rincon Carlos Ulloa Carmen Torres Carol Somoano Cassandra Rodriguez Catherine Anderson Cecilio Garmendez Cesar Pardini Cheryl Van Rensselaer Cheryll Olson Christina Vaca Christine White Christopher Hernandez Chuck Liu Claudia Lozano Claudia Chaparro Connie Patin Consuelo Aguirre Corine Shearer Craig Marson Cristina Lopez Limon Cristina De Lorenzo Darwin Sosa David Heck David Bravo Sr Delfina Encinas Delia Cota Delma Duarte Denise Harper Diana Hernandez Doris Morejon Dr. Robert Diamond Durga Baumann Eber Mancia Eddie Soto Edgar Cuevas Edith Villa Eldee Spratt Elyssa Apodaca Eric Pierce

Eric Pinaya Erika Garcia Ernesto Montes De Oca Ezequiel Pinaya Felix Lopez Flor Cabrera Florence Bernable France Velasco Franz Chavez Hidalgo Froyland Alfaro Gabrella De La Cerda Gabriella Gary Rubalcava Gay Hannah George Mairena George Parra Giovanni Quevedo Gloria Fimbres Gloria Leon Gloria Martinez Guadalupe Aguirre Guillermo Lizarraga Gustavo Mendoza Hailey Ortiz Hugo Gil Irma Sandoval Irma Salgado Jacob Davila Jaleel Ghafur James Derry Jami Berdelis Jasmin Jones Jeanette Casas Jeff Worthy Jeho Salazar Jerilyn Fierro Jerry Haro Jesse Gonzales Jessica Vazquez Jessika Gomez Jesus Maldonado Jesus Barron Jimmy Mercado Joanna Torrico Joe Medina Joe Menchaca Joe Bereczki Joevanni Moran John Cardenas Jorge Hernandez Jorge Sanchez Jose Perez Jose Morales Jose Paredes Jose Leiva Jose Lua Jose Manuel Trujillo Josefina Perez Joseph Ballesteros Joseph Portillo

Juan Ascencio Juan Pablo Garcia Jujuan Videau Julian Alcala Julio Cawasco Julio C Marin Julissa Nunez Julius Rosas Katonja Neal Keisha Haywood Lee Gumms Lina Salgado Linda Castellanos Lois Worthy Lorena Mejia Lou Sanchez Lourdes Robles Lucelly Galvan Lucy Santamaria Luis Rodriguez Luis Carraza Luis Valles Marcia Cox Mari Cruz Veloz Maria Morales Cuveas Maria Orozco Maria Lazaro Maria Lizarraga Maria Menjivar Maria Jimenez-Fraire Maria Corrie Chinchilla Maria Corrie Morada Maria Lulu Perez Maricela Lizarraga Mariel Tirado Maribel Marisol Otanez Mark Freeman Mark Galaviz Marla Abernathy Marlene Rodriguez Martha Washington Martin Robles Maureen Kelly Melvin Jackson Mercy Monroy Metia Kosti Michael Pagan Michelle Sanchez Miguel Palos Miguel Gonzalez Jr Mike Ramirez Mike Medina Monica Esquivel Monica Sainz Nancy Rodriguez Norma Gil Nubia Aguirre Oscar Campa Ozzie Carranza

Patricia Ramirez Patricia Soberanes Patricia Tamayo Patricia Morris Patricia Moore Paul Dickinson Pedro Hernandez Peter Rua Phillip Nunez Ralph Aranda Jr. Ralph Medina Ralph Bravo Ramon Sanchez Rene Pena Ricardo Ceballos Richard Estrada Robert Benson Robert Hernandez Robert Reyes Rogelio Flores Rogelio Flores Rolando Lopez Ronald Cansino Rosa Martinez Rosabla Chavez Alatorre Rosalba Ruben Aldana Ruben Estrada Ruben Mendoza Ruth Ortiz Sarai Kelly Sergio Velasco Sergio Valdes Sergio Salgado Shirley Williams Silvia Berrios Socorro Garduno Sole Gutierrez Susan Waldron Ted Tijerino Teresa Quintero Terri Gallegos Tom Ramirez Tony Abeyta Tony Yerez Valerie Maldonado Veronica Recinos Victor Palacios Victor Cuellar Victor Soto Victoria Garcia Vilma Flores Wendy Cordero Werner Rosales Wonnie Kim Xiomara Somoza Yolanda Marmion Zillah Tobiano

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Annual Bowling Tournament

TAKE A LOOK AT OUR TOP 6 BOWLING TEAMS

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1st Place Team Century 21 Realty Masters Norwalk (296.6 Average) Francisco, Tyler, Elluid, Roy & Dan

2nd Place Team Century 21 Allstars (278.6 Average) Hector, Miguel, Arnold, Antonio & Venny

3rd Place Team 24 Hour RE (260.2 Average) Armando, Rafael, Michael, Gabriel & Luis

4th Place Team Century 21 Home & Investement (252.2 Average) Larry, Debbie, Eric, Jose & Glenn

5th Place Team Century 21 My RE (247.2 Average) Ben, Eduardo, Flor, Edwin & Russell

6th Place Team Century 21 Allstars (225.4 Average) Moises, Richard, Kyle, Chuck, & Giovanni

COFFEE WITH THE PRESIDENT The Greater Downey Association of REALTORS®

OUR PRESIDENT GAVE A TOUR OF OUR FUTURE BUILDING! The Greater Downey Association of REALTORS® will be expanding its facility

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AFFILIATES IN ACTION WORKING FOR YOU

Adriana Solis Mi Casita Escrow (562) 928-9000

Belen Garcia Presidential Escrow (562) 862-5002

Claudia Contreras Elite Escrow (323) 528-2704

Andy Zuloaga Farmers Insurance (562) 659-7558

Gabriela Minjares Alterra Home Loans (562) 381-3424

Linda Castellanos Pro-Active Escrow (562) 862-1050

Luz Lluncor New World Mortgage (562) 904-2500

Monica Villarreal iMortgage (323) 864-5340

Ozzie Carranza Farmers Insurance (562) 396-4414

Raul Camaligan Skyline Home Loans (323) 228-2663

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Tom Ramirez New American Funding (213) 361-2000

Manuel Rodriguez Alterra Home Loans (562) 307-2122

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12073 Paramount Blvd, Downey CA 90242 “Your Personal REALTOR Association”