Real Estate News Source by Digital Publisher

Vol.III, No.18

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Septemberr 15, 2017

Where Did We Get That? By Pat Farrell

PRSRT STD U.S. Postage PAID San Antonio, Texas Paid Permit #1590

Many of the phrases we use today come from older legends or perhaps from historical events which we have long since forgotten but the associated phrases remain with us. For example, a “white elephant” is considered to be an item that is perhaps decorative but not very useful and may have been expensive to purchase but is just as costly to maintain. Burdened with such an item and, after getting very tired of it, we may re-gift it, bring it to a white elephant exchange party or perhaps just donate it to a church white elephant sale so we can be rid of it. The story behind white elephants originated in the East where they were considered to be sacred animals in such places as Thailand, Burma, Cambodia and Laos and, since they were sacred, could not be used for any kind of work. Monarchs in these countries would often

gift a white elephant to a palace courtier who had fallen out of their favor, thereby rewarding them, while at the same time creating a great burden for them. In the West, the term “white elephant” is attributed to P.T. Barnum who had gone to great lengths to acquire his "Sacred White Elephant of Burma" from the ruler of Siam and to have it shipped to this country, only to learn that the elephant was actually grey in color. Have you ever been out with a group of folks who decided they wanted to go “paint the town red?” Well, you can either thank the Marquis of Waterford, a notorious hooligan and reprobate, or the actions of men in the early American West for that phrase. The Marquis and his friends in 1837, after a night of drinking in the English town of Melton Mowbray, set out on a destructive spree, becoming vandals by pulling knockers off doors, breaking windows, knocking over flowerpots and apple carts, and yes, actually painting several statues, the doors on homes, and other structures throughout the town, using red paint. The phrase has also been attributed the some of the men, during times in the early West, who often acted as if the whole town was one big “red light district.” But, one’s guess as to the source is as good as any others! When speaking we frequently use the term “by and large” when we mean: generally speaking, for the most part, on the whole or everything considered, but the origin of the term seems to have little to do with any of those definitions. The phrase is actually derived from nautical language in use when ships had sails and were propelled by the wind. “Large” refers to the wind that is blowing from behind the ship propelling it forward while “by”

refers to the wind that is blowing toward the front of the ship. To travel “by” or forward when facing the wind required the use of aerodynamic triangular sails and a skillful control of the ship’s rudder to allow the ship to move forward, but by way of a sidewise angle. So “by and large” originally meant that a sailing ship could travel to its destination regardless of the wind conditions. Today in our business, we can really understand the term “red tape” as it could refer to all the hold-ups that result from meeting the many rules and regulations (some that many feel just generate unnecessary bureaucratic paperwork) that must be adhered to before we can finally get a home sale to closing. Appropriately enough the term which originated during the 1600s comes from the fact that all official or legal documents at the time were bound by a red tape, making them quite difficult to access. When someone cautions us that it will “cost an arm and a leg” we understand that whatever it refers to is very expensive and the purchase of same could cost to the extent that it would hurt us. The expression actually dates back to a time before photography, which then required that when one desired a portrait it had to be hand painted and the cost was determined, not by the number of people or faces in the portrait, but rather by the number of limbs visible. So, if one wanted a less expensive portrait it would “cost an arm and a leg,” which is why most pictures from that time period feature the body from head to just below the waist and at least one arm behind the back of each subject. When one says they “heard it through the grapevine” it is generally understood that the information was

passed on to them from someone who had heard it from someone else, and so on. But actually, the phrase originated during the time when the telegraph was just coming into use and people then thought that the miles and miles of wire being strung from one pole to another for the telegraph system to reach across the country, resembled the wires used to control the grapevines. Therefore, when messages were transmitted across the telegraph wires, and someone received the message, “they heard it through the grapevine.” Have you ever been told to “mind your own beeswax?” If so, I’ll bet you thought it just meant that you should mind your own business, and maybe whoever said it meant just that. But actually, the origin of the expression dates back to a time before cosmetics were available and a woman would use beeswax to smooth her facial complexion, so if another woman were to stare too long at another’s made up face they might be told to “mind their own beeswax.” It is also interesting that the use of beeswax then may also have led, at least in part, to two other expressions, for if a woman, thus made-up, were to smile the beeswax, if not properly applied, might crack, thus causing her to “crack a smile.” And the phrase “lose face” could reasonably apply to what could happen if a woman sat too close to a fire, as the wax might melt, and she would then “lose face,” although that phrase seems to be more related to an English derivation of a Chinese term that means “to suffer public embarrassment.” When you were a child did you ever get “read the riot act” by your parents? If so you knew you were in trouble for something you had done or done improperly and which might then lead to some form of

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punishment. However, in England in the 1700s there actually was a Riot Act which authorized the government to consider that a group of more than 12 protesters could constitute a threat to the peace so they should be “read the riot act,” at least in part and would be ordered to disperse, facing arrest or forcible removable if they failed to do so. But it is fortunate that the punish-

September 15, 2017

ment exercised at home was usually not that severe. And finally, are you just “resting on your laurels,” or are you doing more so you can stay ahead in the game? At one time, if you were a victorious athlete in Ancient Greece or a winning General in Ancient Rome you would be awarded a wreath of laurel branches, and as “laure-

ates” were entitled to “rest on your laurels.” Unfortunately, in the 1800s the term turned negative and since then it is no longer appropriate for one to be satisfied with only what they have previously accomplished and should not just “rest on their laurels,” but should keep striving for more and more. So, given that directive, “onward and upward,” Y’all!

Reading Real Estate NewsSource Craig Hall, Hall American Realty, brought the NewsSource along on his cruise to New England for some light reading!

REAL ESTATE NEWSSOURCE A PUBLICATION OF PUGS PUBLISHING LLC

Publisher/President.....Courtney Smith Asst. to the President.....Candy Carver Contributing Writers: ......Cathey Meyer ..................................................Pat Farrell Columnists....................Paula Durocher ...........................................Tiffany Wright Business Development .......Joyce Orts

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Carla Harris, guest and Darlene Thomas, Keller Williams City View, study a recent NewsSource.

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September 15, 2017

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By Tiffany Schennel Wright President, Women’s Council of REALTORS

It’s a New Era For Women’s Council Fueled by the desire to help members of the real estate community affected by the recent harsh weather that has devastated several cities across the state of Texas, members of Women’s Council of REALTORS® have set out to create a legacy that will assist not only victims of this catastrophic storm, but other tragedies that may occur in the future. The Relief Fund for Women's Council - Texas (The Fund) was recently formed as a Texas non-profit by leaders of the Women's Council of REALTORS® across the state of Texas. The organization was created to deliver funds to Women's Council members in Texas affected by hardship. The Fund is currently focused on gathering contributions for Hurricane Harvey victims in desperate need of help. The Fund will be a 501(c)(3) and all donations to The Fund will be tax deductible for the

donors. More information is available by visiting www.trfwc.org. The Women's Council of REALTORS® San Antonio will be sharing additional information about The Fund via its website and social media. Congratulations to the newest members of the Women’s Council of REALTORS® San Antonio 2018 leadership team! Carmen Soto of Vivid Realty and Christina O’Connor of Pilgrim Mortgage were elected as President-Elect and Treasurer, respectively for 2018. The remainder of the 2018 leadership team, which will include the Secretary, Membership Director and Program Director, will be appointed by the incoming President and PresidentElect in the coming months. These positions are open to all current members in good standing. If you would like to be considered for either of

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these positions, please visit wcrsanantonio.org for position descriptions and notify 2017 PresidentElect, Cathy Heshmat of your interest. Our summer membership drive has come to a close, but new members are always welcome and can register online all year round. There are three ways to become a part of Women’s Council; as a National REALTOR® Member, a National Affiliate Member, or a Strategic Partner. REALTOR® and Affiliate members must be members of the San Antonio Board of REALTORS® and, as such, receive all of the benefits of Women’s Council membership including an online profile and access to the Women’s Council National Referral Center. However, Affiliate membership is limited to 20% of total membership of each Network and Affiliates are admitted on a firstcome, first-served basis. Once the 20% threshold has been reached, further Affiliates are prohibited from registering until additional REALTOR® members have joined in order to maintain the 20% maximum ratio. Strategic Partners are not members of Women’s Council, but are an integral part of our success at the local level. Consequently, they are not required to be members of SABOR. In return for a monetary investment, Strategic Partners receive promotional consideration and exposure to Women’s Council

members throughout the year. Depending upon the amount of their investment, Strategic Partners receive free or reduced admission to Women’s Council events for their representatives and guests, speaking opportunities, and various forms of written and verbal acknowledgment. Strategic partnerships run through the calendar year. Pricing and benefits for 2018 are determined in the fall and those wishing to participate are encouraged to commit before the end of 2017 in order to receive all of the benefits associated with partnership. For more information about Women’s Council or to become a member, visit our national website WWW.WCR.ORG. You can purchase event tickets and find information about Women’s Council of REALTORS® San Antonio, including an event calendar and photos, at WWW.WCRSANANTONIO.ORG. You can also get local updates and information by following us on social media. Connect with us on Facebook, Instagram and Twitter to keep up with all of the latest Women’s Council of REALTORS® San Antonio news. Thank you to our 2017 Strategic Partners: Aperto, CalAtlantic Homes, Devine Roofing & Contracting, First American Title, Frontier Title, Independence Title, Keller Williams Heritage, Light Catcher Photography, RE/MAX of Texas, TAP-FCU and Zippy Shell.

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September 15, 2017

OnQ Financial End of Summer Mixer at Stonewerks

Alicia Epperson and Deborah Carriles, both OnQ Financial.

Dede Jackson, Alamo Title, Rich Pachecano, The Homeland Group of Texas, Cindy Kolmeier, On Q Financial, John Kuntz III, Reliance Residential Realty and Kyra Smith, Alamo Title.

Lindsey Kneupper, OnQ Financial and Linsey Martin, Trinity Title.

Julia Connor, BHGRE Bradfield Properties, Jose Martinez, OnQ Financial and Bob Connor, BHGRE Bradfield Properties.

Drew Kolmeier, OnQ Financial and Chiaki Brown, Vortex Realty.

Craig Loeffler, Coldwell Banker D'Ann Harper with Angelina Peel and Tanya Power, both Kuper Sotheby's International Realty.

Chuck Jewel, Becker Properties and Christine Rodriguez, OnQ Financial

Norma Ponce, TAPFCU and Victoria Subia, Champions School of Real Estate.

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September 15, 2017

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September 15, 2017

David Weekley Homes Enclave at Elm Creek

Claudia McShane, Premier Realty Group and John Kuntz III, Reliance Residential Realty.

Regina Sanders, Houses in San Antonio with Maudel Hardie and Amelia McEntire, both Hardie & Associates.

Paul LaValley, RE/MAX Associates.

Victor and Letty Yong, both Home Team of America and Jim Hughes, David Weekley Homes.

Elma Ortiz, JB Goodwin.

Dina and Brian Murphy, both Coldwell Banker D'Ann Harper REALTORS and Tracey Stockton, David Weekley Homes.

Alice Ruiz, Alicia Ruiz Properties

September 15, 2017

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By Gilbert Gonzalez, Vice President of Risk Management and General Counsel

Steering: Why What You Say Has Implications T h e re a re q u e s t i o n s t h a t can often seem insignificant or i n c o n s e q u e n t i a l b u t i n f a c t a re landmines for legal issues. Being asked a question as simp l e a s , “ H o w a re t h e s c h o o l s i n t h i s n e i g h b o rh o o d ? ” c o u l d land you in violation of Fair Housing Laws. The Fair Housing laws cover a wide variety of cond u c t t h a t i s c o n s i d e re d d i s c r i m i n a t o r y, o n e o f w h i c h i s the act of “Steering.” Steering can be defined as the delibera t e g u i d i n g o f p u rc h a s e r s t o w a rd s o r a w a y f ro m c e r t a i n t y p e s o f g e o g r a p h i c a l a re a s b e c a u s e t h a t p u rc h a s e r i s a m e m b e r o f a p ro t e c t e d c l a s s . T h e s e p ro t e c t e d c l a s s e s i n c l u d e : r a c e , c o l o r, re l i g i o n , s e x , n a t i o n a l o r i g i n , d i s a b i l i t y, and familial status. How could this come up

d u r i n g y o u r re l a t i o n s h i p w i t h a c l i e n t ? To a b u y e r, t h e q u e s t i o n o f , “ W h a t a re t h e b e s t n e i g h b o rh o o d s t o l i v e i n ? ” s e e m s s t r a i g h t f o r w a rd a n d i n n o c e n t ; h o w e v e r, n o t a n s w e re d c o r re c t l y i t c o u l d b e c o n s i d e re d s t e e r i n g . F o r e x a m p l e , re p l y i n g t o t h i s q u e s t i o n that these certain neighborh o o d s a re t h e w o r s t b e c a u s e t h e y h a v e e x t re m e l y h i g h c r i m e r a t e s i s p ro b l e m a t i c . A l t e r n a t i v e l y, re s p o n d i n g t h a t a c e r t a i n n e i g h b o rh o o d h a s a l a rg e n u m b e r o f a c e r t a i n k i n d of businesses that cater to a particular nationality is w ro n g . S t a t i n g t h a t , “ T h i s n e i g h b o rh o o d i s n ’ t t h e r i g h t f i t f o r y o u ” i s a l s o w ro n g . T h e re a s o n t h e s e re s p o n s e s a re a l l w ro n g i s t h e y g i v e t h e a g e n t ’ s opinion instead of specific facts.

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One way to answer inquiries like this is to be s t r a i g h t f o r w a rd a n d e x p l a i n that answering this question specifically can be a violation o f F a i r H o u s i n g l a w. Yo u might also consider answering a question with a question. For example, if a client asks you a b o u t t h e b e s t n e i g h b o rh o o d s to live in, you can ask, “What hobbies do you have that might help us find a neighborh o o d t h a t f i t s y o u r i n t e re s t s ? ” This answer avoids potential legal issues while still engaging with the client to help you find the right home for them. This potential issue is also a consideration when buyers ask about schools. Answering questions about the quality of schools can get you i n t ro u b l e b e c a u s e s t a t i n g t h e schools in a particular neighb o rh o o d a re g o o d o r b a d i s subjective. What makes a s c h o o l “ b a d ” i s d i ff e re n t f o r e v e r y o n e . T h e b e s t re s p o n s e t o t h i s q u e s t i o n i s t o p ro v i d e your buyer with the necessary re s o u rc e s t o l o o k u p t h e i n f o r mation themselves. This could be the district website listing t h e f e a t u re s a n d p ro g r a m s o f the school or the website for t h e Te x a s E d u c a t i o n A g e n c y t o show the State’s certification s t a n d a rd s . P ro v i d i n g t h i rd

p a r t y re s o u rc e s t h a t a l l o w t h e buyers to make the decision themselves is always the best way you can answer the question. What about the question, “How is the crime in this part of town?” This question also is a l a n d m i n e i f n o t a n s w e re d c o r re c t l y. I n re s p o n s e , h e l p your client connect to re s o u rc e s s u c h a s t h e p o l i c e department’s website that will p ro v i d e t h e m w i t h t h e l a t e s t c r i m e re p o r t s . What about the question, “ W h a t k i n d o f c h u rc h e s a re a ro u n d t h i s n e i g h b o rh o o d ? ” A g a i n , t h e b e s t w a y t o re s p o n d t o t h i s q u e s t i o n i s t o p ro v i d e your client with a list of all the houses of worship in that a re a f o r t h e m t o re v i e w. As you can see, the best way to handle these types of q u e s t i o n s i s t o p ro v i d e s p e c i f i c f a c t s a n d re s o u rc e s s o y o u r client can make the decision t h e m s e l v e s . T h i s re m o v e s y o u , t h e a g e n t , f ro m p o t e n t i a l l y p ro v i d i n g a n o p i n i o n w h i c h m a y c o m e a c ro s s a s a b i a s a g a i n s t a p ro t e c t e d c l a s s . W h e n a g e n t s p ro v i d e opinions instead of facts their w o rd s b e c o m e s u b j e c t t o i n t e r p re t a t i o n . Av o i d t h i s l e g a l r i s k by letting your buyers make their own decisions.

Guild Mortgage Company New Branch To Serve You Patrick Moore

Marsha Neimeier

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For use by Real Estate Professionals only. Not intended for public use or distirbition. Guild Mortgage Company is an Equal Housing Lender: NMLS# 3274. Branch NMLS# 1540986. https://myaccount.guildmortgage.com/branches/sanantoniometro/apply-online/

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September 15, 2017

CalAtlantic Homes Agent Lunch at Johnson Ranch

Gonzalo Quezada, RE/MAX Corridor and Thomas Archer, CalAtlantic Homes.

Darlene Thomas and Jeanie Murphy, Keller Williams City View

Mark Nauschutz, Guest; Andrea Nauschutz, Uownit Realty and Thomas Archer, CalAtlantic

Rebecca Fairchild, Keller Williams Heritage Hill Country and Karen Lauderdale, Coldwell Banker D'Ann Harper Realtors Andrea Nauschutz, Uownit Realty and Thomas Archer, CalAtlantic Homes.

Tori Vendola, Sherry Outlaw, Kim Compton with Granddaughter Veronica and Andrea Provost all with Reliance Residential Realty

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September 15, 2017

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September 15, 2017

Debbie Blackerby, American Homeshield with Shelly Cohn, Pilgrim Mortgage are all smiles before a Lunch & Learn taught by Debbie and hosted by Pilgrim Mortgage.

Chris Cisneros, RE/MAX Associates and Eric Steitz, OnQ Financial are having fun at the End of Summer Mixer hosted by OnQ Financial at Stonewerks.

Laura Lizcano, Becker Properties, Derek Rodgers, Home Team of America and Tracey Stockton, David Weekley Homes at the David Weekley Homes open house in the Enclave at Elm Creek.

Jeff Porter, Option One Real Estate and Bob Johnson, Perry Homes at Perry Homes’ Grand Opening in the Grove at Vintage Oaks.

Susan Bailey, CalAtlantic Homes, enjoys the Lunch & Learn taught by Dayton Schrader that her company hosted at Vista Bella.

M’Lissa Steel, eProperties, poses on the runway for a fashion show at the August Hill Country Women’s Council of REALTORS meeting.

Trudy Pape, Coldwell Banker D’Ann Harper Realtors and Tim Brown, RE/MAX Corridor before the SABOR Member Breakfast at the Palladium.

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September 15, 2017

Delores DeVaul, My Legacy Realty and Maudel Hardie, Hardie & Associates Realtors at the REALTOR Luncheon hosted by M/I Homes at Mesa at Turning Stone in Cibolo.

Esther Lemieux, RE/MAX Associates, Florence Terrell, Keller Williams Legacy, and Liza Reyes, Keller Williams Heritage at the SABOR Member Breakfast.

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September 15, 2017

Lauren Dowlen, Full Spectrum Realty and Alfred Hockley, M/I Homes at the REALTOR Luncheon hosted by M/I Homes at Mesa at Turning Stone in Cibolo.

Ina Jackson, Keller Williams City View at a recent Lunch & Learn hosted by CalAtlantic Homes in Vista Bella.

Rich Pachecano, The Homeland Group of Texas with Carlos Pacheco and Jules Fenner, both Vortex Realty catching up at the End of Summer Mixer hosted by OnQ Financial at Stonewerks.

Matt Goodrich, Goodrich Properties and Ken Colunga, RE/MAX North San Antonio, before a recent Lunch & Learn at Trinity Title.

Christina Oâ€™Connor, Pilgrim Mortgage and Caroline Salcedo, Apartment and Relocation Center at the SABOR Member Breakfast.

Cecilia Sosa, North American Title shows that VAREP Cares at the July VAREP meeting.

Joshua Perkins and Lacy Padilla, both KB Home at their companyâ€™s Agent Lunch at Mirabel.

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September 15, 2017

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September 15, 2017

Perry Homes Grand Opening Sola O., Perry Homes and Norris Boyd, Lifetime Real Estate Services

Farah Momin, Miguel Gomez and Cindy Sentel, Perry Homes

Cindy Leleux, Texas Premier Properties;

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September 15, 2017

at Bella Vista

Bricia Gomez, Perry Homes and Gretchen Barton, Phillips and Associates

Randy Shanahan, Home Team of America

Jordan Phillips and Kaitlynn McFatter, Phillips and Associates

Jeanie Murphy, Keller Williams City View and Katrina Romero, Weichert Realtors Select

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September 15, 2017

M/I Homes Agent Lunch at Mesa at Turning Stone in Cibolo

Donald Wolfskill, Texas Platinum Properties; Alfred Hockley, M/I Homes and Ina Jackson, Keller Williams City View

Lori Hockley, Coldwell Banker D'Ann Harper Realtors

Edwin Riddle, Keller Williams Legacy

Karen O'Fearna, Coldwell Banker D'Ann Harper Realtors

Svetlana Horton, Coldwell Banker D'Ann Harper Realtors, Lisa Marie Heman, Vortex Realty and Lauren Dowlen, Full Spectrum Realty

Stavriana Alford and Annette Brown-Foster, both Coldwell Banker D'Ann Harper Realtor

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September 15, 2017

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Ruben Cortez..................Cortez Realty Clarissa Ramos-Hughes ..Home Team of America Kelley Martin ..................San Antonio Portfolio KW AH Linda Kirk ......................San Antonio Portfolio KW Kellie Daniels..................Coldwell Banker D'Ann Harper Mike Morehouse..............Coldwell Banker D'Ann Harper Chuck Berry....................Coldwell Banker D'Ann Harper Kelli Rostvold ................Dwell Realty Ana Mainini ....................Kuper Sotheby's International Janice Tisdale ................Phyllis Browning Company Annette Kimmell ............Simmonds Real Estate Stephanie Dukatnik ........Century 21 Northside Kimberly Phillips ............Coldwell Banker D'Ann Harper Jill Cortissoz ..................Trinity Title of Texas Roberto Hinkson ............Keller Williams City View Tony Zamora ..................Keller Williams City View Cathy Hopkins ................Real Estate Muses Pam Poitevent ................Coldwell Banker D'Ann Harper David Harder ..................RE/MAX Associates Tammy Cooper................RE/MAX North Corie Boldt ....................CORIE Properties Lee Benjamin..................JB Goodwin Realtors Allen Pozzi......................Coldwell Banker D'Ann Harper Pam Poitevent ................Coldwell Banker D'Ann Harper Cynthia Chavers..............Keller Williams Legacy Lucy Huereca..................Legendary Realty Kate Parish Lanfear ........Phyllis Browning Company Jack Everhart ................Phyllis Browning Company Lee Allen ........................Realty Executives SA Bea Forthman ................Coldwell Banker D'Ann Harper Louis Rubiola..................Rubiola Realty Susan Rodriguez ............Re/Max New Heights Melissa Collazo ..............Century 21 Northside Lance Moore ..................Century 21 Northside Julie Durick ....................Coldwell Banker D'Ann Harper Steve Linick....................ERA Troy Realtors Maggie Wickwire ............Keller Williams City View Linda Cantu ....................BHGRE Bradfield Properties Lil Jackson ....................Ultimate Real Estate Jeanie Travis ..................Nix Realty Company Claudia Dearman ............Home Team of America Marian Gonzales ............Home Team of America JoHelen Clark ................Coldwell Banker D'Ann Harper Lorena Pena....................RE/MAX Preferred Sandi Peerman ..............JB Goodwin Realtors Bill Ash ..........................BHGRE Bradfield Properties Bill Wells ........................Coldwell Banker D'Ann Harper Fran Daniels ..................RE/MAX Corridor Stephanie Rodgers..........RE/MAX Corridor Sarah Permenter ............Coldwell Banker D'Ann Harper Kit Preston ....................Home Team of America Crystal Cashat ................Century 21 Northside Roy Bogar ......................Coldwell Banker D'Ann Harper Tony Garza ....................eXp Realty Karen Nichols ................SWBC Amy Kolb ......................Keller Williams City View

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September 15, 2017 Leslie Brown ..................Phyllis Browning Company Kelly Harris ....................South Texas Realty Services Rudy Andabaker ............Global Realty Group Jana Dowling ..................Coldwell Banker D'Ann Harper Lisa Martinez ..................SWBC Chris Bond ....................King Realtors Chien Liu ........................Home Team of America Cindy Baughn ................Cindy Baughn Realtors Karen Neighbors ............Capital Title Kyle Barrows ..................Coldwell Banker D'Ann Harper Mike Taylor ....................Coldwell Banker D'Ann Harper Michelle Willars ..............ERA Colonial Real Estate Sharon Teich ..................Coldwell Banker D'Ann Harper Denise Hernandez ..........Century 21 Northside Christina O'Connor ........Pilgrim Mortgage Jerry Bailey ....................Home Team of America Denise Barnhill................Coldwell Banker D'Ann Harper Brian Hebert ..................Century 21 Northside Manuel Fernandez ..........Coldwell Banker D'Ann Harper Dorothy Lofton................RE/MAX Associates Debby Gardner................South Texas Realty Services Mary Ann Jeffers ............Coldwell Banker D'Ann Harper Karen Lauderdale ............Coldwell Banker D'Ann Harper Renee White ..................Trinity Title of Texas Becky Sperber ................Keller Williams Legacy Cob Garner ....................RE/MAX Preferred Inez Moya ......................RE/MAX Northeast Fran Cece ......................Ameritex Real Estate Maris Wise......................Sterling Group Property Mgmt Julio Lopez-Perez ............Century 21 Northside Heather Hower................Coldwell Banker D'Ann Harper Sue Stoller ....................Trinity Title of Texas Isaac Korrodi ..................Century 21 Davalos Judy Rohm ....................Judy Rohm & Associates Howard Shelf I ................Howard Shelf & Assoc Realtors Kenneth Prosser ............Luxury Homes Karen Garrett..................Coldwell Banker D'Ann Harper Laura Estes ....................Coldwell Banker United Nancy Brown ..................RE/MAX Corridor Kerry Dike ......................Coldwell Banker D'Ann Harper Nora Richards ................Realty Executives of S.A. Bridget Archer ................Kuper Sotheby's International Realty John Jones ....................Coldwell Banker D'Ann Harper Kim Young......................BHGRE Bradfield Properties Narcy Nelson ..................Keller Williams City View Susie Trefzer ..................Keller Williams City View Anna Kay Lockridge ........MidTown SA.com Realty Margaret Vasquez............Covenant Patners Realty Nerissa Ruiz ..................Re/Max New Heights Christi Hensley ..............ERA Colonial Real Estate Maria Baxter ..................Home Team of America Laura Vargas ..................Premier Realty Group Karen Whittenberg ..........SABOR Julie Brown ....................Coldwell Banker D'Ann Harper Carolyn Brown ................Welcome Home Real Estate Maribel Frey....................Exit IH-10 Realty Julie Bryan ....................Home Team of America

Welcome To Peoples Home Equity!

Rene J. Perez Loan Advisor, NMLS# 1401511 Office: (210) 963-8930 Mobile: (210) 243-6525 rperez@peopleshomeequity.com

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29-Oct 30-Oct

31-Oct

Mary Jane Bell................Phyllis Browning Company Mary Jo Johnston ..........Coldwell Banker D'Ann Harper Curtis Jones ..................Century 21 Northside Gloria Mireles..................Home Team of America Scott Small ....................Keller Williams Legacy Cathy Liu........................Home Team of America Yvonne Mauro ................Kuper Sotheby's International Doris Finch ....................Coldwell Banker D'Ann Harper Kimberlee Carranza ........Century 21 Northside Kathy Huddleston ..........Keller Williams Legacy Betty Boston ..................Nix Realty Company Madison Madrid ..............Poly Properties David Wilcox ..................Keller Williams Heritage Cindy Cox ......................Coldwell Banker D'Ann Harper Yolanda Barboza ............RE/MAX North Rose Snow ....................Coldwell Banker D'Ann Harper Beth Smarzik..................Allison James Estates & Homes Judy Goldick ..................Regal Realty Courtney Silver ..............Coldwell Banker D'Ann Harper Laura Banis ....................Re/Max Prime Juan Rangel....................Icon Realty Tony Galvez ....................Global Realty Group Gary Campbell ................BHGRE Bradfield Properties David Rosow ..................Rosow Realtors Lizabeth Garcia ..............RE/MAX North Sandra Cruz....................Trinity Title of Texas Larry Kroeger..................Phyllis Browning Company Alison McLaughlin ..........eXp Realty Harold Jones ..................Century 21 Northside Vilma Paiz ......................Century 21 Northside Angela Epstein................Icon Realty Angelo Davis ..................RE/MAX North Wes Boyd ......................Coldwell Banker D'Ann Harper Erica Vogel ....................Global Realty Group Misty Volluz ....................Century 21 Northside Nancy Halvorson ............iHeart Realty Denise Graves ................Phyllis Browning Company Sharon Washington ........SWBC Rozlyn Reeves ................Coldwell Banker D'Ann Harper Alma Lopez ....................Keller Williams Legacy Gonzalo Quezada ............RE/MAX Corridor Valeria Noia ....................Coldwell Banker D'Ann Harper Terri Upton ....................Coldwell Banker D'Ann Harper Stephanie Tullis ..............Phyllis Browning Company Cecilia Guzman ..............Home Team of America Brian Jenkins..................Home Team of America Gloria Byington ..............RE/MAX Preferred Roy Daniels ....................RE/MAX Corridor Fred Flores ....................Fred Flores & Company Staci Musick ..................Stagecoach Real Estate Brenda Robbins ..............Coldwell Banker D'Ann Harper Ruth Cole ......................BHGRE Bradfield Properties Thomas Peterson............Keller Williams Boerne Kath Quinn ....................JB Goodwin Realtors Lupe Hernandez ..............SABOR Belinda Smith ................Century 21 Northside

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September 15, 2017

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R E A LTO RS d a o R On The

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September 15, 2017

Jordan Phillips and Kaitlynn McFatter, both with Phillips and Associates at the REALTOR Luncheon hosted by M/I Homes at Mesa at Turning Stone in Cibolo.

Dawn Loding and Laura Graer, both eXp Realty at the End of Summer Mixer hosted by OnQ Financial at Stonewerks.

Beverly Norris, David Weekley Homes and Micah Harper, Exquisite Properties at their companiesâ€™ Live Urban SA event at the Pearl. Venus Marshall, Noble Group Realty and M. Lisa Poole, ERA Colonial Real Estate at a recent Lunch & Learn hosted by CalAtlantic Homes in Vista Bella.

September 15, 2017

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F o r m a n y R E A LTO R S ® , t h e s o l e re a s o n t h e y m i g h t u t i lize a Certified Public A c c o u n t a n t ( C PA ) i s t h a t , p r i o r t o A p r i l 1 5 o f e a c h y e a r, t h e y c a n d ro p o ff f i l e s ( o r s h o e b o x e s ) c o n t a i n i n g t h e re q u i re d t a x i n f o r m a t i o n f ro m t h e p re v i o u s y e a r t h a t p ro b a b l y re l a t e s t o t h e i r b u s i n e s s s o t h a t t h e p ro p e r i n c o m e t a x f o r m s may be completed and filed with the Internal Revenue S e r v i c e ( I R S ) . A c t u a l l y, t h a t i s m e re l y t a x p re p a r a t i o n , a n d i f i t re p re s e n t s a l l t h a t i s d o n e a n n u a l l y, i t c o u l d b e d o i n g a major disservice to one's business and to one’s self. Yo u m a y w i s h t o c o n t i n u e visiting the Accountant that

c u r re n t l y p re p a re s y o u r t a x e s b u t y o u s h o u l d b e a w a re t h a t i t c o u l d b e c o s t i n g y o u m o n e y, and if your Accountant happ e n s t o b e a C PA i t m a y b e c o s t i n g y o u e v e n m o re . A n d f o r t h o s e t h a t re l y s o l e l y u p o n t h e o n l i n e t a x p re p a r a t i o n s e r v i c e s , y o u c o u l d b e re s p o n d i n g i n c o r re c t l y t o s o m e o f t h e questions being asked during t h e p ro c e s s a n d r i s k a t o t a l l y i n c o r re c t re t u r n b e i n g f i l e d with the IRS. A s R E A LTO R S ® i n t h e S a n A n t o n i o a re a y o u a re v e r y f o r t u n a t e t h a t E d G u e r re ro o f t h e G u e r re ro C PA c o m p a n y i s w i l l i n g t o s h a re h i s t i m e a n d t a l e n t w i t h y o u t o m a k e s u re y o u a re a w a re o f w h a t o p t i o n s

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y o u h a v e t o e n s u re t h a t y o u r b u s i n e s s i s i n d e e d b e i n g ru n a s a b u s i n e s s . G u e r re ro C PA i s a u n i q u e a n d d y n a m i c o rg a n i z a t i o n . S i n c e i t s i n c e p t i o n m o re than 10 years ago, Ed G u e r re ro ' s p r a c t i c e n o w s e r v e s m o re t h a n 3 7 0 0 c l i e n t s a n d c u r re n t l y e m p l o y s 2 0 f u l l - t i m e and five part-time associates, located at 508 Rhapsody Drive. O n c e a R E A LTO R ® l e a r n s t o t re a t w h a t t h e y d o a s a b u s i n e s s , t h e y w i l l f i n d t h a t t h e re a re m u l t i p l e t h i n g s t h a t c a n b e d o n e t o e n s u re t h a t t h e y g e t t o k e e p m o re o f t h e i r n e t e a r n i n g s b y re d u c i n g t h e a m o u n t o f taxes they pay out to the IRS. M o s t h a v e h e a rd t h a t t h e y should set up their business as an LLC single member corpor a t i o n b e c a u s e i t w i l l h e l p p ro t e c t t h e m a s a c o m p a n y. A n d , they should also know that if t h e y c o n t i n u e a s a s o l e p ro p r i e t o r t h e y w i l l b e re p o r t i n g their income on a Schedule C which then subjects them to paying self-employment taxes. So, if for example one has a p ro f i t o f $ 1 0 5 , 0 0 0 f o r t h e y e a r, it could translate to about $16,000 in self-employment taxes which points out that by having an understanding of the many tax strategies available, one can save a considerable amount of the monies

they have earned and avoid self-employment taxes altog e t h e r. R a t h e r t h a n j u s t p re p a r i n g their taxes for them, Ed G u e r re ro e n c o u r a g e s R E A L TO R S ® t o l e a r n h o w t o s t r a t e gize in advance so they will then be less likely to overpay their taxes by missing some potential deductions because their business entity is not set u p p ro p e r l y. A n d , t i m e i s m o n e y, s o h o w d o y o u g o about learning what tax strategies might be beneficial for you in your particular situation? Simple, you go see Ed, because not only does he willi n g l y s h a re h i s t i m e w i t h y o u but he also has an open invitation for you to join him for l u n c h o n t h e t h i rd F r i d a y o f each month at Pericos on Sonterra Blvd. The compliment a r y m e a l i s s e r v e d a t 11 : 0 0 a m a n d h i s p re s e n t a t i o n i s f ro m 11 : 3 0 a m t o 1 : 0 0 p m . I f y o u have specific questions or perhaps just want to RSVP for the Ta x S t r a t e g i e s l u n c h e o n c a l l 210-490-7100 or email Ed at E d @ G u e r re ro C PA . c o m . S o , d o yourself and your pocketbook a favor and learn just how G u e r re ro C PA c a n h e l p y o u u n d e r s t a n d w h a t m e a s u re s y o u c a n t a k e t o h e l p i m p ro v e y o u r tax position. "Go See Ed."

REAL ESTATE NEWS SOURCE

September 15, 2017

Century 21 Scott Myers Welcomes Tarver and Illgner

TARVER

ILLGNER

Century 21 is pleased to announce Tania Tarver and Rick Illgner has joined its firm as a sales associate. They will specialize in residential property sales in the San Antonio and surrounding areas. "We are thrilled to have Tania and Rick join our team," said Scott Myers of Century

21 . "It’s an exciting time to be with the Century 21 System as we increase our market presence in San Antonio and surrounding areas." They are in the company's in-house training program at the moment and soon will begin the four week long Create 21 training program. Both training programs are designed to acquaint Tarver and Illgner with all facets of real estate necessary to exceed the expectations of their clients and customers.. Myers added, "We believe training supports growth and professional excellence in the real estate industry. Performance-based training is necessary to assure that Century 21 associates maintain their competitive edge and offer the best service possible to their clients."

Trinity Title Promotes Terrill to Escrow Officer With over 12 years of title experience, Pamela Terrill started from the ground up as a receptionist, escrow assistant to escrow officer. She prides herself on having excellent customer serTERRILL vice skills, communication, and follow through! Her positive attitude and ability to get the job done shows

through her quick return of phone calls and emails. Pamela loves to keep all parties informed on their transactions and loves the fact that no two transactions are the same. In her personal life, Pamela spends her time with her husband, two daughters and their dog. Pamela grew up in a military family as her father was a U.S. Marine. They were moved to San Antonio in 1993 and she can’t imaging ever living anywhere else. You can contact Pamela at 210-496-0002 or at pterrill@trinitytitletx.com.

Knobloch Promoted to Vice President of Champions School of Real Estate Champions School of Real Estate announced that Online Campus manager Curt Knobloch has ascended within the company to the role of Vice President, effective immediately. Knobloch has played an integral role in the company's overall operations and growth of the online campus. "It was exciting to announce Curt’s promotion to Vice President in front of our statewide team at this year's Annual Company Retreat Awards dinner," said Rita Santamaria, founder, and CEO of Champions School of Real Estate. "During his 13-year tenure with Champions School of Real Estate, Curt has been a game-changing leader in the growth of our school and most decisively with online and distance education!" "It is a great honor to be named Vice President of the number one, largest real estate school in Texas," shares Knobloch. "Working with Rita and Kim to accomplish our goals of helping real estate professionals

achieve excellence through education has been both rewarding and immeasurably fulfilling. I look forward to seeing this company’s innovative spirit take large strides as we continue to strengthen Champions School of Real Estate's position as an industry leader in the United States." Focusing on the customer-centric culture that has set Champions School of Real Estate apart from the competition, Knobloch will play a fundamental role in the implementation of strategic national expansion initiatives that will take the company's unique offerings to other states outside of Texas. Knobloch works out of the Champions School of Real Estate Online Campus in the Austin, TX area, where he resides with his wife Jill and their two children. For more information about Champions School of Real Estate, please contact Karla Lárraga by email at Karla@ChampionsSchool.com or by phone at 972-867-4100.

September 15, 2017

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Hall Joins CORIE PROPERTIES Phyllis Hall is a licensed Texas Real Estate Broker with more than 35 years experience in the San Antonio real estate market. After 15 years HALL as a top producer with the largest local luxury brokerage company she opened Hall Realty Company in 1995 and operated it successfully for over 20 years, early on passing the $100 million mark in career sales. Phyllis’s commitment to client satisfaction and the depth of her market knowledge and experience has earned her loyal repeat customer and referrals. Once asked by the San Antonio Business Journal in a profile interview what it takes to be a successful residential realtor, Phyllis replied, only partly tongue in cheek, “Unfailing dedication and the willingness to do other people’s housework.” Phyllis handles her listings and client business as if their transactions were her own. “This business requires total commitment to service, and my clients know that they can always reach me and rely on me. No assistant handles any details of my

transactions.” A native of San Antonio and a veteran of the local residential real estate market, Phyllis is known and acknowledged as a residential expert, especially in the city’s luxury market areas. She says, “Clients have many choices when they go to hire an agent, and I have always operated on the belief that my market knowledge and experience have to be first rate. I work hard to research and know the market in order to provide my clients with the strategic information they need to make the best real estate decisions.” Phyllis has compiled a series of top producer awards during her 35 years in business while also serving her community and her children’s schools in various roles. In addition to her work, she serves as a CASA volunteer caseworker in Bexar County and when time permits, her hobbies include gardening, golf, tennis and concerts. She is married to local commercial real estate broker Steve Hall. They have two adult children and two completely spoiled rescue dogs. You can reach Phyllis at 210.744.2020 or phyllis@corieproperties.com

Scott’s BPG invite you to experience what a Fortune 500 company can bring to the Home Inspection Market. Three ways to Schedule Office: 210-349-9228 Online at www.scottsinspections.com or our new EZ-Order at ezo.bpgwi.com

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September 15, 2017

GRI August Meeting

Connie McCord, RE/MAX Associates and Nancy Brown, RE/MAX Corridor

Annette Slater, Landlord Property Management and Leesa Harper Rispoli, Coldwell Banker D'Ann Harper REALTORS

Panel: Annette Slater, Landlord Property Management, Tim Brown, RE/MAX Corridor, Leesa Harper Rispoli, Coldwell Banker D'Ann Harper REALTORS, Philip Becker, Becker Properties and Adam Biechlin, Phyllis Browning Company.

Adam Biechlin, Phyllis Browning Company and Brad Smilgin, Smilgin Real Estate Services

Jannette Springer, Coldwell Banker D'Ann Harper REALTORS and Treedy Chapa, Chapa & Fuller Realty

Sara Trautner, Becker Properties and Nellie Perez, RE/MAX North

Tish Lowe, Keller Williams Heritage and Michelle Uhrig, Real Living Best Homes

Pat Farrell, Slater Realtors and Philip Becker, Becker Properties