JANUARY 2016 SOUTH BAY

EXECUTIVEAGENT MAGAZINE

TM

Anne Hulegard Executive Agent of the Month

Inside Features: Ron Arbolida Kinecta Federal Credit Union Nazik Tatavoosian Evergreen Realty

Purchase Financing:

Compare our stats to the industry.

At Evergreen, we’ve never lost sight of the fact that serving real estate industry professionals and their clients is the cornerstone of our success, yesterday, today and tomorrow.

As evidence of our focus on the home purchase market, we invite you to review our purchase loan percentage compared to the industry: Purchase Business Percentages

2013 YTD

2012

2011

Evergreen

75%

73%

83%

Industry

39%**

29%

**

**

32%

** Source: Mortgage Bankers Association (MBA) Percentages reflect portion of total volume that were purchase transactions.

That’s why we’ve developed an infrastructure with systems and procedures that allow us to quickly process loans so that we close On Time and as Promised®.

In fact, our entire platform is engineered to close purchase transactions in 14 days*.

But stats are only part of the story.

It’s the care and compassion of every Evergreen associate that makes a difference and is felt by the customers we serve. As a lender with strong convictions and a proven track record serving the purchase market, we invite you to become a business partner with Evergreen.

Michelle Coolidge-Tondu Sr. Loan Officer & VP / Corporate Relationships NMLS 176580

tel 310-818-1011 fax 855-296-8279 mcoolidge@evergreenhomeloans.com www.michelletondu.com 21250 Hawthorne Blvd Ste 500 Torrance, CA 90503 Branch NMLS 1127143

*The 14-day close does not imply a guarantee of any kind and only references the historical service level provided by Evergreen on standard FHA, VA, and conforming conventional loans. Assumes expeditious and complete cooperation by all parties to the transaction. Not all applications are eligible for a 14-day close, including but not limited to jumbo loans, renovation loans, loans brokered to other lenders, or properties requiring repairs. Not all applicants will qualify; certain restrictions apply. © 2014 Evergreen Home Loans is a registered trade name of Evergreen Moneysource Mortgage Company® NMLS ID 3182. Trade/service marks are the property of Evergreen Home Loans. All rights reserved. Licensed under: Arizona Mortgage Banker License 0910074; California-DBO Residential Mortgage Lending Act License 4130291; Hawaii Mortgage Loan Originator Company License HI-3182; Idaho Mortgage Broker/Lender License MBL-3134; Nevada Mortgage Banker License 3130; Oregon Mortgage Lending License ML-3213; Washington Consumer Loan Company License CL-3182. 1/14

contents

Southern California’s Publication for the Real Estate Professional

ExecutiveAgent

Magazine

January, 2016

South Bay

Cover Story

Editorials

12 - Tony Alessandra:

Keys To Effective Feedback!!!

22 - Scott Gross: Remember Me?

10 - Sandra Kuhlmann: Know Your Opening Lines

Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 366-3349 Fax: (949) 266-8757 Info@eamag.net www.EAMag.net

ADVERTISERS’ INDEX Alpine Mortgage Planning...............25

06 - Nancy Michaels:

When It’s Time For A Home Office

Life Is Time...Make It Count!

The Four Emotions That Can Leed To Life Change

15

32 - Chris Widener:

Embracing Adversity For Achievement

04 Ron Arbolida

Kinecta Federal Credit Union

Kinecta Federal Credit Union..........36 PWAOR.............................................24

28 - Jim Rohn:

Executive Agent of the Month

Evergreen Home Loans......................2 i Photography Studio.................21 - 31

30 - Sue Pistone:

Anne Hulegard

City of Hope.....................................34

26

SBAOR........................................35 The Termite Guy................................9

Marketing Director: Frank Arrias Editorial Manager: Trudy Van Graphic Designer: Garon T. Arrias Photography: i Photography Studio, Ian Wiant, Rob Paino Writers: Lalaena Gonzalez–Figueroa, Shannon Hartsoe, Haley Freeman, Steven McReynolds © Copyright 2016 Executive Agent Magazine. All rights reserved. Reproduction in whole or in part without written permission is prohibited.

Although every precaution is taken to ensure accuracy of published materials, Executive Agent Magazine cannot be held responsible for opinions expressed or facts supplied by its authors.

Nazik Tatavoosian

Evergreen Realty

ExecutiveAgent Magazine

3

E XECUTIVE AGENT

TM

MAGAZINE

Written by Haley Freeman

Ron Arbolida

H

onesty; Integrity; Reliability. These words describe the quality of service Ron Arbolida has been delivering to his clients for more than 25 years. Now a senior loan consultant at Kinecta Federal Credit Union in Manhattan Beach, Ron is leveraging his extensive experience along with the power of one of the nation’s largest credit unions to help homeowners strategically position their real estate assets with the best possible financing.

Although Ron began his professional life as an aerospace engineer, his interest in real estate inspired him to begin investing at an early age. He also enjoyed helping other people make wise investments, and in time, he followed his passion to a new career in mortgage lending.

He went on to open Seaside Mortgage Corporation, which became the fifth largest mortgage producer by volume in the South Bay for a large, nationwide lending institution.

Ron concurrently founded successful escrow and property management companies.

Over the years, clients and colleagues alike have come to rely upon Ron for his extraordinary industry knowledge and professional guidance. Sean and Gina Beardsley, owners of Beardsley Construction, said, “We were referred to Ron Arbolida in 1993, and we have worked with Ron many times since then. He has always helped us through every transaction and explained every question we had.

We have recommended him to our family and friends.”

Jim Hamilton, a real estate broker and former ethics chair for the National Association of Realtors® had this to say, “Ron’s knowledge of loans and how the process works is why I have consistently recommended him to my clients over the last 25 years.”

ExecutiveAgent Magazine

EA

An Expert You Can Count On Ron is also an industry authority whose expertise is often utilized by attorneys who call upon him to provide expert testimony in legal cases involving real estate fraud. According to attorney Raymond G. Robison, “Mr. Arbolida is a valuable asset to my clients’ defense. I rely on his extensive knowledge of all aspects of the real estate process.”

At Kinecta, Ron is well-positioned to do what he loves at a company that offers his clients measurable advantages.

With more than $4.4 billion in assets, Kinecta is a nonprofit organization that does a high volume of transactions and passes the resulting cost savings on to its customers.

“This is a great place to help other people,” Ron says. “I love helping them save money. I know how to read tax returns and calculate income that often gets missed by loan officers with less experience. A lot of my Realtors® say I think outside the box. I don’t just give people a loan, I give them what they need in a loan.”

Ron is a fantastic resource to clients who need help resolving complex challenges. John Wong was one of the very first members Ron assisted at Kinecta. He asked Ron for help negotiating a situation where the sellers and their attorney were withholding his deposit. Ron explains, “Through a few three-party conference calls between the parties involved and the member, the concern was settled and the member ended up getting all of his $22,000 deposit returned – despite the seller and their attorney’s reluctant objection.”

Mr. Wong expressed his appreciation for Ron’s ongoing service, “Ron has helped me refinance my home and has worked with my ex-wife so she could afford to keep her home after our divorce. Ron makes very easy what is, to me, an arduous process. Ron takes the extra steps to make me feel comfortable. When I need help, Ron picks up the phone no matter the day or the time. He’s always there for his customers! I only do business with people I trust. I’ve since moved to MA and know I can count on Ron to provide quality service.”

Many lending institutions do not process, underwrite or fund loans in the same office, let alone in the same time zone. At Kinecta, Ron has developed strong working relationships with his in-house operations team, ensuring that Realtors® and borrowers enjoy a stress-free experience and transactions close on time. “I have a responsive and reliable team here, and I give my clients confidence by explaining the whole transaction from start to finish. I also

give them my personal cell phone so they can reach me all the time. I not only have the lending experience to take care of whatever they need, I also have first-hand experience as a property owner who has structured every imaginable type of transaction, from 1031 exchanges to trusts.”

Ron has four children and two grandchildren who are all an important priority in his life. He also loves sports and especially enjoys playing golf and baseball. But real estate remains his hobby, as well as his vocation. He continues to invest in residential, multi-unit and commercial property, and is also involved in commercial development.

Ron’s reputation for outstanding service backed by superior knowledge is widely known across the industry. When Ron says the deal is done, his clients and Realtors® can count on it.

Ron Arbolida Kinecta Federal Credit Union 1440 Rosecrans Ave. Manhattan Beach, California 90266 Tel: 310-345-7881 Email: RonArbolida@yahoo.com NMLS ID 793713

ExecutiveAgent Magazine

EA

When It’s Time For A Home Office

S

o, you’re tired of clearing your papers off the dining room table every time someone wants to eat (how dare they!). And you’re still recovering from the business call you were forced to take that time your 5-year-old pressed the phone into your hand just as you stepped from the shower (it’s amazing how professional one can sound while wrapped in a towel and dripping wet).

Sounds like it’s time for a home office.

Ideally, you’ll have a spare room to turn into office space - preferably one with a locking door. An extra bedroom, the basement, or attic can all serve this purpose. If you don’t have room for a dedicated office, take a look around your house to see where you can carve yourself some space. A closet, bedroom corner, hallway alcove or even the area under a stairway can all be converted fairly easily for this purpose. Use bookcases, filing cabinets, plants, screens, even lighting to define your work space.

It’s essential that you remain committed to your space as office space. Without this psychological distinction between home and work, the two areas of your life may slide into one another, causing you to lose focus, and thus, productivity.

Choose furnishings that are ergonomically correct, and which fit in with the decor of the rest of your home.

Lighting should come from three sources: natural, ambient and direct. Give yourself enough storage space to keep your work area uncluttered. You may want to store your supplies in another part of the house, keeping just a week’s worth in your office. And schedule a weekly or biweekly cleanup where you go through your papers and files and either throw away or stow away anything that is not essential to the daily operation of your business.

Almost every business requires a computer system.

Don’t skimp. You want something with enough speed and memory capacity to last into the future. A good-quality inkjet, or preferably, a laser printer is also essential.

Investigate the all-in-one printer, fax, copier and scanners.

These may save you money as well as precious office space. I also recommend a computer backup system, which will protect the contents of your hard drive in the event of a power failure. An uninterruptable power source supply is also a must for the home office. This will keep your computer running during a power outage until you’re able to safely shut it down.

6

Another essential component of the home office is telecommunications, meaning telephone, fax and Internet access. An account through an Internet service provider or online service shouldn’t cost more than $20 per month and it will give you the ability to send and receive e-mail.

You’ll probably want more than one phone line, three if you’re using one line for a fax and modem hookup. It’s wise to invest in a business line, which allows you to list your business name and number in the phone book and with directory assistance. To keep costs down, use that line for incoming calls only. If you don’t want the expense of a business line, but can do without a repeat of the shower scene, order “distinct ring” service from your phone company. This is a separate phone number which rings into your home line, but sounds different from your normal ring. This alerts you and family members to incoming business calls. If you’re dishing up dinner or washing the dog, you’ll know to let your answering machine, or better yet, your electronic voice mail system, grab the call. If you’re in the shower, hopefully your 5-year-old will know to do the same.

You may also want to order “call answering” from your phone company. It’s just a few dollars a month and sounds more professional than an answering machine, and which won’t break down while you’re on vacation.

A home office can either improve productivity, or harm it. You may find yourself doing paperwork at 2 a.m. when you should be sleeping, or flipping to General Hospital at 3 p.m. when you should be working. It’s helpful to treat your home office as you would an outside office, complete with “starting” and “quitting” times. This will help you stay focused, organized, and productive. And your family will appreciate having their dining room table back.

Nancy Michaels, of Impression Impact, works with companies that want to reach the small business community and with small business owners who want to sell more products and services. Copyright© 2005, Nancy Michaels.

All rights reserved. For information, contact Frog Pond at 800.704.FROG(3764) or email Susiefrogpond.com; http:// www.frogpond.com

ExecutiveAgent Magazine

EA

Written By Nancy Michaels ExecutiveAgent Magazine

7

Now You Can Get Executive Agent Magazine Online!

We’ve Gone Digital So You Have Access To All Executive Agent Has To Offer-On The Go, Anytime, Anywhere

Link directly to Advertisers

Search for Articles

Interact and Connect

Executive Agent Magazine www.ExecutiveAgentMagazine.com

949.366.3349

Info@eamag.net

EA

Know Your Opening Lines

H

ow often do you ask yourself this question? “What do I say?” Occasionally, we all wonder, “What am I going to say?” More often than not many of us are plagued with this question. For those of us either in a position of leadership or aspiring to be in such a position, how we answer this question is important. “What we say” has direct bearing on how our audience views us, if our listeners trust us, if they buy our ideas, and how generously they allot us their most precious commodity, their time.

Earning and holding the attention of listeners is a responsibility of leadership. For not only does a leader need followers, but willing, eager followers and loyal fans. Knowing how to handle the issue of “What do I say?” is one part of effective leadership.

Consider the following idea, and I assure you that you won’t be stumped so often by the question, “What do I say?”

The best advice I ever received was…

A lesson I learned the hard way was… …grabs the attention of your listeners.

From my point of view…

From my frame of reference… …helps your audience understand your position.

A quote important to me is …

From my reading, I have learned… …makes you more interesting.

As I stated earlier…

My position is… …keeps your presentation focused.

I believe…

I know… …helps you sound confident.

What’s my idea? “Know your opening lines.”

This idea cannot solve all or even most of your presentation problems. Delivering results-oriented presentations is both a skill and an art. However, it can profoundly affect how generously your listeners grant you their attention, their time, and their loyalty.

For example, say the following opening lines and consider the results.

Experience has taught me…

My research indicates… …builds your credibility.

10

Now, just a few more tips to help you implement this idea.

Remember these are your opening lines, not someone else’s.

Consider that you won’t have to worry so much about forgetting what you are going to say.

And, be glad that you can relax more and even have fun.

If I have heard you correctly…

It seems to be important to you that… …lets your audience know you have been listening

My favorite story is…

The best example I can think of is… …makes for attentive listeners.

In summary…

To close… …keeps you in charge of the time.

Be assured that your audience will recognize your honesty and admire your integrity as a leader.

You may be glad to know…

Here’s an idea that may help… …shows your audience you care.

Could you please repeat your question?

Pause and take a breath… …gives you time to think.

One of my values is…

My priorities are… …shows character.

In closing, knowing your opening lines may seem simple; however, as you can see, something this simple, once it becomes a habit, can have a profound effect on your listeners and goes a long way to create loyal fans, and eager followers.

Sandra Muse Kuhlmann, Ph.D., works with clients on design, development, and delivery of presentations that get results. For additional information on “. For information on how to contact Dr. Kuhlmann for training or consulting, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com. Copyright© 2002, Sandra Muse.

Kuhlmann. All right reserved.

ExecutiveAgent Magazine

EA

ExecutiveAgent Magazine

11

EA

Keys to Effective Feedback !!!

E

ffective communication between two people is not easy. You really have to practice to make it work.

Through the effective use of feedback skills, you can create a good communications climate. The following general guidelines will help you use your feedback skills more effectively.

• Give And Get Definitions.

The interpretation of words or phrases may vary from person to person, group to group, region to region, or society to society. When people believe or assume that words are used for one and only one meaning, they create situations in which they think they understand others but really do not. The words you use in everyday conversations almost inevitably have multiple meanings.

In fact, the 500 most commonly used words in our language have more than 14,000 dictionary definitions.

For instance, according to Webster, a person is considered ‘fast’ when she can run rather quickly. However, when one is tied down and cannot move at all, she is also considered ‘fast. ‘ ‘Fast’ also relates to periods of not eating, a ship’s mooring line, a race track in good running condition, and a person who hangs around with the ‘wrong’ crowd of people. In addition, photographic film is ‘fast’ when it is sensitive to light. On the other hand, bacteria are ‘fast’ when they are insensitive to antiseptics.

The abundance of meanings of even “simple” words makes it hazardous to assume to understand the intent of a message without verifying and clarifying that message.

• Don’t Assume.

Do not assume anything in communications. If you do, you stand a good chance of being incorrect. Don’t assume that you and the other person are talking about the same thing. Don’t assume that the words and phrases you are both using are automatically being understood.

The classic phrase of people who make assumptions is: “I know exactly what you mean.” People who usually use that statement without ever using feedback techniques to determine exactly what the other person means are leaping into a communication quagmire. Use more feedback and

12

fewer assumptions, and you’ll be happier and more accurate in your interpersonal communications.

• Ask Questions.

A good rule of thumb is: “When in doubt, check it out.”

One of the best ways to check it out is through the effective use of questioning skills. Clarifying questions, expansion questions, direction questions, fact-finding questions, feeling-finding questions, and open questions can be used freely during conversation to test for feedback.

• Speak the Same Language.

Abstain from using words that can easily be misinterpreted or mistranslated, especially technical terms and company jargon. These terms, which are so familiar to you, may be totally foreign to the people with whom you talk. Simplify your language and your technical terms so that everyone can understand you, even when you think the other person knows what the terms mean.

• Stay Tuned In. Constantly be on the lookout for and recognize those nonverbal signals that indicate that your line of approach is causing the other person to become uncomfortable and lose interest. When this happens, change your approach and your message accordingly. Observe the other person.

Be sensitive to the feelings they are experiencing during your interaction; above all else, respond to those feelings appropriately.

Dr. Tony Alessandra, CSP, CPAE has authored 13 books, recorded over 50 audio and video programs, and delivered over 2,000 keynote speeches since 1976. Dr. Tony Alessandra is recognized by Meetings and Conventions Magazine as, “one of America’s most electrifying speakers.”

Copyright© 2004, Tony Alessandra. All rights reserved.

For information about Tony’s keynote presentations, contact the Frog Pond at 800.704.FROG(3764) or email susie@frogpond.com; http://www.frogpond.com.

ExecutiveAgent Magazine

EA

Written By Tony Alessandra ExecutiveAgent Magazine

13

Nomination Form Nominate a fellow REALTOR速 to be featured in one of our feature stories; on the cover as Executive Agent of the Month, or as a special feature story. All candidates must be nominated by a real estate professional. The selection process includes a questionnaire, personal interview, reference check and final approval by the Advisory Council. Candidates are evaluated based upon professionalism, length of service and uniqueness of story, as well as industry and community involvement.

I Nominate: Name_______________________________ Company___________________________ Address____________________________ _____________________________________ City, State, Zip_____________________ _____________________________________ Phone______________________________ Email_______________________________ Submitted By: Fax/Email nomination to: Executive Agent Magazine PO Box 73384 San Clemente, CA 92673 Fax: 949.266.8757 Email: Info@eamag.net Tel: 949.366.3349

Name_______________________________ Company___________________________ Phone______________________________ Email_______________________________

EA

Cover Story

Anne Hulegard Executive Agent of the Month ExecutiveAgent Magazine

Anne Hulegard Written by Haley Freeman - Ian Wiant Photographer

A

nne Hulegard isn’t just a Realtor® in the business of selling homes, she’s in the business of creating happily ever afters. Her passion for real

estate combined with her market expertise, strong work ethic and proven track record provides her clients with a competitive edge...its no wonder she’s been #1 in her office.

At the age of nine Anne and her Mom moved from the East Coast to sunny California. Her lifelong love for real estate started early when her Mom and she made a game of going to open houses and model homes, imagining playing out their daily lives against each unique backdrop.

Her previous professions contributed to her success as an award winning agent. Anne traveled the world while a flight attendant for Pacific Southwest Airlines, she served as the Founder and critically acclaimed Artistic Director of the Hermosa Theatre and was an award winning Producer and Anchor at KCOX 12 News.

Anne’s aha moment happened when she was unable to find an agent who met her expectations. She had wished for an agent who listened to her goals, was accessible, patient, knowledgable and a strong negotiator. So Anne became the Realtor® she was looking for... one who EXCEEDS expectations!

Voted # 1 by her Clients Anne has that authentic spark that draws you toward her and makes you feel right at home. Her clients include the full spectrum from first time homebuyers to savvy sellers and inter“We highly recommend Anne! She listened to our goals and clearly comnational investors. “I am a full time/full municated. She helped us edit and stage our house for sale. She is great at service Realtor® with experience in marketing and is a strong negotiator: In two days on the market we received Luxury Estates, Investment Properties, 10 offers. She managed to get the bidding up to 75k over asking. She also New Construction, Off -Market Sales, helped us find our new home which she coordinated to close at the same Single Family Homes, Vacation time with our house!! We really trust Anne and appreciate her patience, Properties, Condo’s, FHA,VA, Short persistence and hard work!” -The Fletchers Sales, REO and Flips.

ExecutiveAgent Magazine

“Anne continuous to go above and beyond to ensure that our buying/selling processes have run smooth. Anne takes the time to understand our goals and always has our best interest in mind. She does an incredible job in making you feel that you are number 1!

Her local knowledge and relationships have given us an advantage in several deals. Because of Anne we have made tremendous profits from buying and selling homes.”

-Dr. and Mrs. Brown tv. She is highly motivated to achieve her clients goals. In a market where inventory is limited, she takes it on as a personal challenge to find creative ways to hunt for properties, including those that are off-market.

She belongs to several networking groups and has good relationships with other agents. Anne says “There is an art to writing an offer and getting it accepted.” And Anne knows all of the secrets.

Anne’s hard work is rewarded by appreciative clients with referrals, repeat business and glowing online reviews.

Most of her business comes from referrals, often times she’ll work with several members of a family or a client’s colleagues or neighbors.

“Ms. Hulegard is exemplary in respect to every aspect of the proverbial ‘Professional’ - Savvy, kind, smart, and fun to deal with. Anne has assisted us in procuring two awesome properties in the South Bay and we have recommended her to friends and family.” -The Buerto family According to Anne she feels privileged and honored to be a trusted guide for one of the most important financial and often times emotional decisions in one’s life. Whatever the life change, challenge and transition someone is going through she is there for them each step of the way.

The Secret to Buying and Selling Anne’s website is appropriately named propertyhunter.

“Before I met Anne, I tried to find and purchase a home for over a year. Anne listened to our goals and found the perfect home in a few weeks! She helped with every aspect, negotiated on our behalf, explained each step of the process and made the entire transaction hassle free. Even after closing the deal, she was there to help with the smooth transfer of home. My family is totally happy dealing with Anne and we recommend her!” -S. Patteri On average Anne’s listings sell for over the asking price and within a week of being on the market. She has never had an expired or cancelled listing. She has developed a strategy to effectively prepare a property for the marketplace and leverages resources including multimedia, social media, HGTV commercials and networking to thousands to yield extraordinary results. Her creativity and expertise makes her marketing plan unrivaled.

Providing an Advantage Having been recruited by many brokerages Anne chose the #1 real estate brand RE/MAX. She’s proud to be affiliated with RE/MAX Estate Properties which is the #1 RE/ MAX in California. Her company has an excellent reputation and provides continuous training which is vital in this ever-changing industry. With RE/MAX she also has access to an extensive Global network of properties and agents.

ExecutiveAgent Magazine

Creating Happily Ever Afters She is invested in her clients and treats each transaction as if it were her own. Anne feels communication is key and she’s very hands-on as there are so many moving parts in the life of an escrow. She works hard behind the scenes to ensure her clients have a smooth and successful experience.

“Ms. Hulegard is a creative problem solver, an effective communicator and skillful negotiator. I appreciate her responsiveness, attention to detail, integrity and dedication. Anne’s extensive contacts and resourcefulness provide her with the ability to put her clients in front of opportunities before they hit the market. I would never make any real estate move without Anne!” -R. Lyons

Committed to providing the highest level of customer service she has assembled an excellent team of professionals and provides her clients with quality resources.

She’s also the “go to” for anyone who needs a good out of area agent referral. Anne enjoys customizing closing gifts and provides a CD with all of her clients documents.

She stays in touch long after escrow closes dropping off a thoughtful gift, hosting client appreciation events and keeping clients updated on market trends and their home’s value.

Anne also offers free consultations to buyer and sellers, free market analysis for home owners, RE tips on facebook’s propertyhunter.tv and free seminars on the secrets of buying and selling.

“Our family was moving to Southern California and we had no idea where to start looking for houses. A good friend highly recommended Anne to us. We only had a week to find a house. Anne toured us around the South Bay and made us feel completely at ease...she found us a great house within our price range and in our tight time frame! She reached out to us on a personal level while helping us through the process, protecting our interests and making sure closing went as smoothly as possible. Our son loves our new big back yard! We love Anne.” -The Murphy Family ExecutiveAgent Magazine

“We knew when we met Anne that she would be our agent! Not only did she put up with our ever changing criteria, but she did so with professionalism and sensibility that made us feel at ease to find the right house. She is very sincere and honest and goes miles to make things happen for her clients. We appreciate her goal getter style, and especially her insight which helped us make the right decisions. We truly feel that she had our back through out the experience and she was always there for us. We are very pleased to refer Anne to our friends.” -The Wang Family Gratitude “Real Estate is so rewarding....its a great feeling to put that key in the hand of your buyer or celebrate a successful sale with your seller.”

film buff and has a great sense of humor. Alex is very supportive of his Mom’s career and she is so proud of what a talented and caring person he is...she feels truly blessed!

Giving back to her community is important to Anne.

She gives a portion of each sale to the Children’s Miracle Network and volunteers for Habitat for Humanity.

Anne is so grateful to be able to do what she loves with loyal clients whom she’s forged lasting relationships. Her appreciation for her extraordinary community enriches her passion for helping her clients find the property and lifestyle of their dreams.

Her greatest joy and inspiration is her son, Alex. He enjoys traveling, writing and playing music, is an avid ExecutiveAgent Magazine

Anne Hulegard RE/MAX Estate Properties 1720 S. Elena Ave. Redondo Beach, CA 90277 Tel: 310-621-6303 Email: annehulegard@gmail.com Web: www.propertyhunter.tv CalBRE # 01916654 ExecutiveAgent Magazine

EA

Remember Me? I

f there is a single way to cement a relationship with a customer, it must surely be the promise that they will be remembered. There is nothing, not quality, not price, not convenience that will draw a customer like the promise of being remembered.

“Yes, ma’am, although the T. is silent,” I grinned at the thought that someone would remember me from four years earlier.

I like to eat at the Cowboy Steakhouse in Kerrville, Texas. It’s my favorite place on the planet. Is the food good? Of course! And the service is always first-rate.

Is it the best restaurant anywhere, even the best in Kerrville? Who knows! All I can tell you is that I like it.

And if you show up knocking on my door and want to take me to dinner, you can bet I’ll ask for the Cowboy Steakhouse.

“Thanks! That always makes me feel special. Being remembered is the best compliment of all.

Why? Probably for the silliest of reasons - they remember me. I may not be famous in your town (heck, I’m not famous in my own). But I am famous at the Cowboy Steakhouse (everybody is!) and that’s where I like to eat. I can count on a hug from Lorrie, and I know that Nancy will remember that I want the chicken and I don’t want foil on the baker, and that a gallon of water will just get me started.

We flew into Cincinnati to visit my grandmother and called the folks at Thrifty for a car. We hadn’t planned on stopping, we were just ahead of schedule and flying east of our intended route to avoid bad weather. So we had no reservations. No problem. The folks at Thrifty came through. What made the transaction special was Cathy. Several years ago I spoke to the Thrifty annual convention and they bought a bunch of the original Positively Outrageous Service books. I signed the books, had a great time speaking to the crowd and, like too many engagements, went about my merry way.

Cathy was walking by the counter just as the customer service representative asked my name.

“I loved your book!”

When we said our good-byes and stepped out to find the economy car that we had rented, there waited a jazzy, berry-colored convertible, no extra charge.

I don’t expect special treatment. In fact, it’s a little embarrassing to be given red carpet treatment for what seems to be no reason at all. Hey, I was paid to speak to Thrifty. I already got mine and here they were treating me like visiting royalty. I’ve washed more cars than I’ve rented! But the real treat was not in the jazzy car, it was in being remembered.

If you want to make a customer feel special, remember them.

People like to do business with people who remember them and attempt to respect their special needs and tastes. If remembering is the best thing you can do, forgetting must be the worst.

T. Scott Gross is a speaker, consultant, videographer and lifelong restaurateur. Best known as the author of the best-selling business book, “Positively Outrageous Service”, his latest book is “Leading Your Positively Outrageous Service TEAM.” Copyright© 1999, T. Scott Gross. All right reserved. For additional information, please contact The Frog Pond Group at 800-704FROG (3764) or email: susie@frogpondgroup.com; http://www.frogpondgroup.com.

“Scott Gross,” I replied.

Cathy stopped, smiled and said, “Would that be T. Scott Gross?”

22

ExecutiveAgent Magazine

EA

Written By Scott Gross

ExecutiveAgent Magazine

23

Newport Beach

3501 Jamboree, Suite 200, Newport Beach, CA 92660

BUILD A PARTNERSHIP WITH A DIRECT LENDER

that offers EXCEPTIONAL SERVICE. JOHN J. REED

ROBERT FAIR

MARK MARTINEZ

949.398.3655

949.398.3636

714.863.8470

Branch Manager MLO-869516

Sales Manager MLO-816387

jreed@alpinemc.com alpinemc.com/JohnReed

Sales Manager MLO-302745

rfair@alpinemc.com alpinemc.com/RobertFair

mark.martinez@alpinemc.com alpinemc.com/MarkMartinez

ALAN CIPOLLETTI

JIM THIEL

BARRY DAVID KREVOY

949.394.1757

949.521.0039

949.735.4009

Sales Manager MLO-653005

Senior Mortgage Advisor MLO-923896

Senior Mortgage Advisor MLO-907893

acipolletti@alpinemc.com www.AlansLoans.com

bkrevoy@alpinemc.com alpinemc.com/BarryKrevoy

jthiel@alpinemc.com alpinemc.com/JimThiel

LYNN NELSON

RODNEY FELIPE

949.398.3661

949.398.3637

Senior Mortgage Advisor MLO-653022 lynelson@alpinemc.com alpinemc.com/LynnNelson

Senior Mortgage Advisor MLO-487714 rfelipe@alpinemc.com alpinemc.com/RodneyFelipe

WE OFFER IN-HOUSE AGENT

MARKETING SUPPORT PROVIDING THE FOLLOWING SERVICES

...

Ex

Ba

am M on ple th Ta ly xe Pa s& To ym ta In l Pa en Po su t ra te ym nc nt Pr en ia in e t Net cipa l Ta x l tim M Be on Pa ne fit

Ta ke

ta

$2

ne

To

La

rshi

nd

p

lo

$0

$2

$0

$0

$0

,2

00

nt

$1

,2

rd

0 37

,3

86

$3

$4 $9

03

80

,7

94

16

ge

of

a

lo w

Bu

,3

$3

$1

00

0

$1

ad

va n

Re

(Es

at id ed th ) alysed ly sis on Pa of ym ho a C fit m 60 en as e -M of pu t h O rc on Pa w ha th id ne se an

Be

TU R IN N Y T O NV O U EN A R TI M RE ON O N A RT T L HO G AL M AG P E LO E AY A PA M N Wh P Y E y?R ROGRAMMENNTT ! $6 $3 EN !

3, 66 50 T V ,00 S 8 0 H BU -$ 13 OM Y!

CO

36

do w

n

y

pa

ym

en

t,

*A

Be

ne

lo w

0

fits

Direct 555.555.5555 Main 555.555.5555 Fax 555.555.5555 Email Website

ra

te

Ex lpine Pu am M AP rcha ple or no R: se base tgag • inc t ch 4.11 Price d e Pla 3, ST 66 • • YL • *P lud ange 0% : on nn 8 co lea e len du . Ta $ 35 a $2 ing A E YO RE ALWON • 0 C TA HO AP nditio se co de rin x Br 0, 80 na TI E 00 me US UR RE AYS AN X BE no Rs ns ns r fe g the acke 0. ,000 is E HO M A all tice. as of ma ult es, Cl .0 no lo t: YO M EN N OW NEF ap So 7/ y im with all an 30 os 0 t a U E T SA OW N ITS plica me 1/ pa a 3r ter .0 ing Co ta ER d- m. 0% C YO nv x V N A us nts prod 2015 ct the qual pa N . An Costs en cons N UR IN ER! , ing wi uc . tio ult ifie rty o G A a lo ll qu ts This value d fees prep nual : $7 nal atio FF WA S O Y an al may is no of tax an ay Re ,000 30 n fir RD pr ify no t a the plan d me nta . Do Ye m. pr nt l od fo t ar uc r fin be comm prop ner epai pe Incr wn Fix Pleas t; ma an av na ea Pa ed e ai itm er rega d lty se ke cing. labl en ty an rd items . N se As ym Loan ek en ing t su o ad re It is e in to len d co the. Bo ba sump t: $7 . 2% vic rro llo to im all uld co po sta d. Pr re ta we on tion: 0,00 ho e fro mp rta tes ice su x im r pa 2% 0. me m a mu ar nt . Su s lt in pl e lo to an no ica st ymen . Pr Inter appr tax an ma bjec d gu or tio qual ts. inc es ecia prof type ke t to id ne ns ify Co ipal t Ra tio es sio . eli sts s whan inf revie ne gativ of ho Restr ca an te: n a na d 4. en orme w of s are e eq me ictio lcula int 00 year l. ma d cr su uit ow ns ted eres 0% . kin de ed bjec y. In nersh ma in t do . g a cis it an t to ter ip y AP fin ion d/ ch est . M appl R an wh or an ra ar y. cin en co ge tes ke g de se lla wi an t ter tho d cis lectin al ion. g ; no ut an t d

19

$6

First Last

Mortgage Advisor MLO-######

of

O

w

ne

rs

hip

Co

st

of

7, Renti 38 ng 6

E

POSTCARDS & FLYERS

VIDEO & PHOTOGRAPHY

©2015 A division of Finance of America Mortgage LLC | Equal Housing Lender | NMLS 1071 | AZ BK 0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

E XECUTIVE AGENT

TM

MAGAZINE

Written by Haley Freeman

Nazik Tatavoosian

N

azik Tatavoosian is a real estate professional who brings a unique and valuable set of skills to home buyers in Orange, Los Angeles and Riverside

counties. She combines her engineering expertise and passion for the environment to give her clients both socially conscious and financially savvy real estate advice.

ExecutiveAgent Magazine

Educated as a structural engineer and specialist in construction material technology at North East London Polytechnic, Nazik was invited to work for a firm in Los Angeles, where she specialized in seismic design and retrofits of existing buildings. During her career as an engineer, Nazik had the opportunity to work on many recognizable buildings in the LA area, including the set for the television show General Hospital. Later, Nazik obtained her LEED AP certification and applied her expertise to green energy design of commercial buildings. She helped to formulate the considerable sustainability initiatives implemented by LAX, the Los Angeles Convention Center and the Hyperion water reclamation plant, among others.

Nazik felt compelled to share her energy-saving expertise with homeowners, so she acquired her real estate license. Today, she brings extraordinary value to her clients with advice about how to increase a home’s energy efficiency, or how to cost-effectively renovate a property and turn it into the home of her client’s dreams. Her expertise benefits her clients in countless scenarios. Her ability to acquire and interpret architectural and landscape plans, for instance, saved one buyer $1,500 in inspection fees when they needed to identify the locations of three septic tanks on a ten-acre property.

While Nazik is a zealous environmental advocate, she also cautions home owners to be wise about both how they spend their dollars and how they evaluate the environmental impact of the improvements they are considering.

She advises consumers to be well-educated and choose qualified contractors when doing energy-saving upgrades like solar installation. “Installing solar panels is not so much a matter of how many panels you use, but at which angle they are placed,” Nazik explains. “If they are in the wrong place and at the wrong angle, you may be wasting your money. I tell clients you also need to calculate how much electricity you are using versus the money you are investing. If it is a small home, it may not make economic sense to go solar.”

She offers more practical advice, “If you want to save energy, first, change the windows. Old air conditioning systems can also be very inefficient. I also recommend new appliances. But it is important to buy quality appliances, because even new ones can go bad very fast. If you have to throw it away after four years and it ends up in landfill, you could be harming the environment rather than helping it.”

Nazik also counsels that while homeowners associations often get a bad rap, remember they are reinvesting

in communities by contributing to neighborhood safety, cleanliness, and environmental projects. All of these lead to better quality of life for residents and retention of property values.

Her clients are enthusiastic about sharing their experiences and referring their friends and family. One recently said, “Words cannot describe how wonderful Nazik is.

She is very experienced and she is also an engineer so she really knows her stuff when it comes to the structural integrity of a property. She sincerely cares about her clients and it shows. She is a fierce negotiator while still remaining friendly and amiable. I will use her again and I will refer all my family and friends to her. I know dozens of Realtors® and she is by far the best I have ever met.

Do yourself a favor and use Nazik, you won’t regret it.”

Another said, “Nazik’s name came to us highly recommended. We were looking for a Realtor® with the knowledge and patience to help us find the perfect first home. Not only did Nazik follow through, she exceeded our expectations. We felt that her technical background provided another insight when viewing houses that we found very helpful. Ultimately, she made us feel at ease with no pressure which was important for our first time home buying process.”

In addition to her dedication to environmental issues, Nazik is also an active member of the Armenian Relief Society and the Orange County Armenian Professional Society, two organizations that serve humanitarian interests of people around the world. She is also a musician who enjoys playing instruments whose voices are not often heard in the Western world, including the Zither, Daff and Tombak.

“I want people to be homeowners, not renters,” Nazik says. I have such a sense of achievement when I see someone’s pride of ownership. I believe in real estate, and I always encourage people to buy, not sell. If they can hold on to their property and buy another one, it will be better for their future. In California, real estate is gold.”

Nazik Tatavoosian Evergreen Realty 27802 Vista Del Lago Mission Viejo, CA 92692 Tel: 949-584-5823 Email: Naziktata@gmail.com Web: www.homesbynaziktata.com CalBRE # 01900424

ExecutiveAgent Magazine

EA

The Four Emotions That Can Lead To Life Change

E

motions are the most powerful forces inside us.

Under the power of emotions, human beings can perform the most heroic (as well as barbaric) acts.

To a great degree, civilization itself can be defined as the intelligent channeling of human emotion. Emotions are fuel and the mind is the pilot, which together propel the ship of civilized progress.

Which emotions cause people to act? There are four basic ones; each, or a combination of several, can trigger the most incredible activity. The day that you allow these emotions to fuel your desire is the day you’ll turn your life around.

1) DISGUST. One does not usually equate the word “disgust” with positive action. And yet properly channeled, disgust can change a person’s life. The person who feels disgusted has reached a point of no return. He or she is ready to throw down the gauntlet at life and say, “I’ve had it!” That’s what I said after many humiliating experiences at age 25, I said. “I don’t want to live like this anymore.

I’ve had it with being broke. I’ve had it with being embarrassed, and I’ve had it with lying.”

Yes, productive feelings of disgust come when a person says, “Enough is enough.”

The “guy” has finally had it with mediocrity. He’s had it with those awful sick feelings of fear, pain and humiliation. He then decides he is not going to live like this anymore.” Look out! This could be the day that turns a life around. Call it what you will, the “I’ve had it” day, the “never again” day, the “enough’s enough” day.

Whatever you call it, it’s powerful! There is nothing so life-changing as gut-wrenching disgust!

2) DECISION. Most of us need to be pushed to the wall to make decisions. And once we reach this point, we have to deal with the conflicting emotions that come with making them. We have reached a fork in the road. Now this fork can be a two-prong, three-prong, or even a fourprong fork. No wonder that decision-making can create knots in stomachs, keep us awake in the middle of the night, or make us break out in a cold sweat.

28

Making life-changing decisions can be likened to internal civil war. Conflicting armies of emotions, each with its own arsenal of reasons, battle each other for supremacy of our minds. And our resulting decisions, whether bold or timid, well thought out or impulsive, can either set the course of action or blind it. I don’t have much advice to give you about decision-making except this: Whatever you do, don’t camp at the fork in the road.

Decide. It’s far better to make a wrong decision than to not make one at all. Each of us must confront our emotional turmoil and sort out our feelings.

3) DESIRE. How does one gain desire? I don’t think I can answer this directly because there are many ways. But I do know two things about desire: a. It comes from the inside, not the outside. b. It can be triggered by outside forces.

Almost anything can trigger desire. It’s a matter of timing as much as preparation. It might be a song that tugs at the heart. It might be a memorable sermon. It might be a movie, a conversation with a friend, a confrontation with the enemy, or a bitter experience. Even a book or an article such as this one can trigger the inner mechanism that will make some people say, “I want it now!”

Therefore, while searching for your “hot button” of pure, raw desire, welcome into your life each positive experience. Don’t erect a wall to protect you from experiencing life. The same wall that keeps out your disappointment also keeps out the sunlight of enriching experiences. So let life touch you. The next touch could be the one that turns your life around.

4) RESOLVE. Resolve says, “I will.” These two words are among the most potent in the English language. I WILL. Benjamin Disraeli, the great British statesman, once said, “Nothing can resist a human will that will stake even its existence on the extent of its purpose.” In other words, when someone resolves to “do or die,” nothing can stop him.

ExecutiveAgent Magazine

EA

The mountain climber says, “I will climb the mountain.

They’ve told me it’s too high, it’s too far, it’s too steep, it’s too rocky, it’s too difficult. But it’s my mountain. I will climb it. You’ll soon see me waving from the top or you’ll never see me, because unless I reach the peak, I’m not coming back.” Who can argue with such resolve?

Think about it! How long should a baby try to learn how to walk? How long would you give the average baby before you say, “That’s it, you’ve had your chance”? You say that’s crazy? Of course it is. Any mother would say, “My baby is going to keep trying until he learns how to walk!” No wonder everyone walks.

When confronted with such iron-will determination, I can see Time, Fate and Circumstance calling a hasty conference and deciding, “We might as well let him have his dream. He’s said he’s going to get there or die trying.”

There is a vital lesson in this. Ask yourself, “How long am I going to work to make my dreams come true?” I suggest you answer, “As long as it takes.” That’s what these four emotions are all about.

The best definition for “resolve” I’ve ever heard came from a schoolgirl in Foster City, California. As is my custom, I was lecturing about success to a group of bright kids at a junior high school. I asked, “Who can tell me what “resolve” means?” Several hands went up, and I did get some pretty good definitions. But the last was the best. A shy girl from the back of the room got up and said with quiet intensity, “I think resolve means promising yourself you will never give up.” That’s it! That’s the best definition I’ve ever heard: PROMISE YOURSELF YOU’LL NEVER GIVE UP.

Jim Rohn knows the secrets of success - in business and in life. He has devoted his life to a study of the fundamentals of human behavior and personal motivation that affect professional performance. He can awaken the unlimited power of achievement within you! Reproduced with permission from the Jim Rohn Weekly E-zine. © 2008 Jim Rohn International. All rights reserved. For information contact FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com; http://www.FrogPond. com.

ExecutiveAgent Magazine

29

EA

Life is Time…

Make it Count!

L

ife is time… are you making it count? If your daily activities are taking you in the direction of your dreams then you are making it count. If you are living your life on purpose then you are making it count. To make your life count, you must live on purpose. Otherwise, you are living someone else’s dreams and goals.

Have you thought about what you want out of life and how you will make it happen? Follow this simple and easy process to determine your life’s dreams. Each and every day evaluate what you are doing and how it will help you accomplish what you really want out of life. There is no dress rehearsal in life; this is the real thing. Today is the day and now is the time to begin your journey to success.

Begin by taking the time to learn more about yourself. Set aside approximately four hours to complete the following personal and professional strategic planning guide. One key point to remember is the definition of success is determined by you. Enjoy your journey!

1. Strengths - list at least twenty of your strengths 2. Successes- go back as early as you can in childhood and write down all of the successes you have had in life 3. Learning Experiences - write down all of learning experiences you have had throughout life and why you are better because of them 4. Purpose in: a. life - what is your bottom line reason for living b. career -- what is your bottom line reason for working 5. Mission in: a. life - what is the talk you walk b. career - what is the talk you walk Now relax--close your eyes and go on a mental journey. You are in a movie theater looking at the big white screen. The movie begins and the title is, “The Life of___________________________,” and it’s your name.

Yes, this is the movie of your life. It is the last day of your life and you will hear what people say about you as you leave this world. The words you hear will confirm that you did, indeed live your life with your purpose in mind. You will see all the places you went, things you did, material possessions you had and the person you became.

30

Remember when viewing the movie of your life you are only limited by your own imagination. Also, only look inside yourself for your dreams, remove all the “ought to’s” and “should have’s” from your mind. This movie it is unusual because it begins on the last day of your life and ends today. The day you are creating your dreams. You see, your experiences up to this day have already happened and can not be changed; however the future is yours to create.

Watch your movie and when you finish write down those accomplishments on your dream list. Break your dream list into the following categories: a. personal dreams - what you do just for you b. family dreams c. career dreams d. financial dreams e. social dreams f. health dreams spiritual dreams Now that you have allowed yourself to dream, you have the ideas and thoughts needed to set your goals. The most important thing to consider at this time is your purpose in life.

This will enable you to avoid major conflicts in the different areas within which you work and live.

Before actually setting your goals you need to determine if they are prioritized, realistic, long term, or short term. The final step in setting your goals is that you must be willing to put your goals in writing -- IN PEN! It make them a little harder to erase this way.

Life is time… and now you too can make it count. Success is determined by you. Follow the steps I have given you and enjoy the success you deserve!

Sue Pistone is expert at eliminating the daily disorganization that often keeps individuals and companies from achieving the success they deserve. For more information regarding Sue Pistone’s speeches, contact the FrogPond at 800.704.

FROG(3764) or email susie@FrogPond.com . Copyright© 2002, Sue Pistone. All right reserved.

ExecutiveAgent Magazine

EA

Written by Sue Pistone

ExecutiveAgent Magazine

31

EA

Embracing Adversity For Achievement

“Show me someone who has done something worthwhile, and I’ll show you someone who has overcome adversity.” Lou Holtz

32

ExecutiveAgent Magazine

EA

Written By Chris Widener

S

uccess in life depends upon being strong, people with clear goals and indomitable spirits. Unfortunately, most of us are not born that way. We grow that way. And that growth can either come from us entering willfully into situations that will cause us to grow, like subscribing to Made for Success, or from the way we react when circumstances come upon us without our consent.

The latter is what we call adversity.

Adversity makes us better people with stronger characters. Never underestimate the power of adversity to shape us inwardly. How will courage, discipline and perseverance ever flourish if we are never tested? After adversity, we come out stronger people and able then to use our character and influence in an even greater way to lead those around us and to improve their lives as well as our own.

Most of us spend our lives trying to avoid adversity, and I guess that is just as well. We should not pursue adversity, but when she arrives, we should welcome her as a foe who, though our interaction with her, will make us into better people. Every contact we have with adversity gives us again the opportunity to grow personally and professionally and to forge our character into one that will achieve much later on.

Adversity makes life interesting.

John Amatt said, “Without adversity, without change, life is boring.” How true. Have you noticed that while we are in the middle of adversity we only long to get out of it, but we then spend a lifetime recounting it to anyone who will listen? This is because it spices life up a little. Imagine how boring life would be if everything always went well, when there was never a mountain to be climbed.

With that in mind, here are some thoughts on adversity, and how it can help you to succeed in every area of your life and achieve your dreams.

Here are some questions for you to reflect upon before I close: Q. If you are in the middle of some adversity right now, what resources are you drawing on? Who are you drawing closer to and working with? What part of your character is being tested, and built up?

What can you do to view this adversity as one who will be better for it on the other side?

Adversity brings out our resources.

Horace said “Adversity reveals genius, prosperity conceals it.” When everything is going well, we coast. There is not a lot of stress, and we do not have to draw too much on the resources that reside within us. But when adversity comes we begin to draw upon each and every resource that we have in order to conquer the circumstances at hand.

Adversity then, keeps us sharp. It keeps us using our personal muscle, if you will. That is a good thing because we grow through the use of our resources.

Adversity brings us together with others.

Sure a team can have their problems with each other, but when they on the court, when they experience the adversity of facing another obstacle, they pull together. One for all and all for one, as they say. The next time you experience adversity of some kind, keep your eyes open for how it can bring you together with your family, your co-workers or your team. Then when you are through it, you will find a bond that was created that was not there before.

Every adversity, every failure, every heartache carries with it the seed of an equal or greater benefit – Napoleon Hill Chris Widener is the President of Made For Success. He teaches leaders how to become Extraordinary Leaders. Chris’ speaking and consulting services have challenged the best to become optimists, to pursue excellence relentlessly, and to dream big dreams. Copyright© 2007, Chris Widener. All rights reserved. For information about Chris’ speaking and consulting services, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com; http://www.FrogPond.com.

ExecutiveAgent Magazine

33

Our bone marrow transplant reunion is now standing room only.

Each year, City of Hope invites bone marrow transplant recipients and their families to attend the “Celebration of Life” event. It’s a joyous time during which survivors of blood cancers such as lymphoma, leukemia and myeloma embrace their health, their life and each other. It began more than 35 years ago when City of Hope created what is now one of the largest and most successful bone marrow transplant programs in the world. In fact, we’ve completed over 11,000 transplants and, according to national reports, our outcomes are among the best in the nation. The goal of curing cancer isn’t just something we work at. It’s what we live for.

If you have cancer, make us your first call. Or ask your doctor for a referral. We accept most insurance.

800-826-HOPE

COH-0726_BMT_Hem_fp_4c_ExecAgt.indd 1

WE LIVE TO CURE CANCER. Science saving lives. cityofhope.org/bmt

11/25/13 6:02 PM

HAVE YOU EVER THOUGHT ABOUT WHAT $150 CAN GET YOU NOWADAYS? Last year alone, the SBAOR brought our members many fabulous classes and events for FREE or at incredibly reduced prices.

• Tom Ferry - Supercharge Your Business • Business Planning Classes • Got Nancy - Assistant Training • Senior Real Estate Specialist • Certiiied Condo Specialist • Probate Specialist • All day Tech Workshop • Online license renewal • Extensive Commercial Education Series • Courses, panel events and networking

opportunities for residential, commercial and global real estate • Member Appreciation Week - Free classes, food and prizes

We also provide many other resources and services for our members.

• Local advocacy for the protection of your rights • Tips and guidance with city selling issues • A fully stocked REALTOR® store • Full service staff to assist our members

Call us for more information and competitive pricing!

310-326-3010

Our history is rooted in success — Dedicated to helping our members achieve their dreams.

Photo: Howard Hughes Est. 1940 as Hughes Aircraft Employees Federal Credit Union

Home Financing Solutions: • Credit Union MI

• 1st/2nd Combo

• Direct Lender

• Jumbo Loans up to 90% LTV

Contact Us: Jason Redmond Manager, Mortgage Loan Sales tel: 310.643.4667 | cell: 310.871.1673 jason.redmond@kinecta.org NMLS# 1234810 www.kinecta.org/jredmond

Duane Reddington Manager, Mortgage Loan Sales tel: 310.643.2238 | cell: 310.292.7527 duane.reddington@kinecta.org NMLS# 410579 www.kinecta.org/dreddington

NMLS (Nationwide Mortgage Licensing System) ID: 407870. Information is intended for Mortgage Professionals only and not intended for consumer use as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. The guidelines are subject to change without notice and are subject to Kinecta Federal Credit Union underwriting guidelines and all applicable federal and state rules and regulations.

19928-09/15-SB