city surf & sand team
Volume 2, Issue 5 | November 2015
FAMILY NEWS
“THRU THE TREES COMES AUTUMN WITH HER SERENADE MELODIES ... THE SWEETEST MUSIC EVER PLAYED” Note from the Editor Fall is my favorite time of year. Every November, it seems the quality of life shifts a little. Even when we continue to work hard and define a higher level of success, there is a warmth that envelopes our offices, our homes, our playgrounds, and lingers until we toast the auld lang syne. We rekindle relationships with family and friends that drifted a bit off course during the year. We fill our parlors with cheerful decor and our kitchens with flavorful foods. We attend more gatherings in the month of December than we do the entire rest of the year added together. And for the City, Surf & Sand team, we take the annual 10-degree dip in San Diego weather as true sign it’s time for turtleneck sweaters and boots. This issue we highlight what makes the holiday season so very merry and bright, no matter which celebrations you share. Take a minibreak. Try a new recipe. Indulge in meaningful conversations and enjoy the sweet sound of loved ones. And maybe, if it gets a real Southern California chilly one evening, light the fireplace and simply relish the end of another successful year. Holly (and the Marketing Team)
3 Fall Weekend Road Trips CALISTOGA This town is the most laid-back in the region, and is known for its hot springs and Victorian architecture as well as its wine. Dr. Wilkinson’s is one of the original spas and offers mud baths in a no-frills setting; go for “the works,” which includes a soak in a mud tub, massage, and facial. Don’t miss Chateau Montelena, or Clos Pegase winery, which was designed by Michael Graves and features large-scale sculptures dotted around its property. SANTA BARBARA There’s a good reason to visit Santa Barbara, replete with beautiful beaches, perfect Mediterranean weather, wineries, art galleries, and gourmet restaurants. Pop into the Santa Barbara Museum of Art before hitting a few tasting rooms on the Urban Wine Trail, all located within a few blocks of each other. Unwind at the Alice Keck Park Memorial Garden, or soak up at the sun at the beach. EASTERN SIERRAS Head to the Sierras for blinding displays of yellow and orange aspens, golden willows, and crimson cottonwoods amid sapphire alpine lakes, gushing waterfalls, and snowfrosted 12,000-foot-high mountain peaks. Start in Coleville to Lundy Lake, and then continue on to the June Lake Loop and Mono Lake. Go through Mammoth Lakes where orange streaks the mountainside, and finally to Rock Creek Canyon. Take a short hike for a view of the plunging Lundy Canyon Falls; visit the West’s largest unrestored ghost town, Bodie, in the Basin Range; and don’t miss the lobster taquitos at the unusual Whoa Nellie Deli inside the Tioga Gas Mart in Lee Vining.
city surf & sand team
CONGRATULATIONS TO OUR TOP PRODUCERS! SEPTEMBER
OCTOBER
TOP 3 - VOLUME
Cameron Owens UTC $8,770,565
Joan Llanes Carlsbad $3,873,949
TOP 3 - VOLUME
Terri Valdez Eastlake $2,691,690
Cameron Owens UTC $3,318,424
Joan Llanes Carlsbad 10 loans
Lora Calvert Eastlake $2,739,570
TOP 3 - UNITS
TOP 3 - UNITS
Cameron Owens UTC 15 loans
Lisa Coleman UTC $2,923,000
Eric Billock Carlsbad 9 loans
Cameron Owens UTC 8 loans
Joan Llanes Carlsbad 7 loans
Lora Calvert / Terri Valdez Jon-Eric Lehman
6 loans
THE FOUR CRITICAL TRAITS OF HIGHLY-SUCCESSFUL PEOPLE By Naomi Simson, Founding Director Red Balloon, Author, Blogger, Speaker
I often look at people and think – “Wow how did they get to do what they do? What choices did they make? What luck came along the way?” Fundamentally I think we are all interested in what and how other people live their lives. I read with interest a Business Insider list of what “21 highly successful people were doing at age 25.” Trump had just taken the reins of his father’s company, Hilary Clinton had just graduated Yale law school, Huffington was a reporter for the BBC and Mark Cuban was a bartender ... I’m in two minds as to whether I would want a crystal ball to be able to see the future – would I want to know? Or is part of the excitement of life discovering new things and taking opportunities when they arise? I guess the real question is
did they have a plan? Did they have a vision for their life? At 25 I was working for Apple. I saw my future as a businessperson – climbing the corporate ladder. The indicators that I might end up running my own show did not occur to me until I was in my early thirties. In my book Live What You Love, I take about 70,000 words to tell my younger self all the things I wish I had known about passion, persistence, positivity and purpose. The one thing I do not really talk about is patience – sometimes things just take time and experience before you get them right. In the startup world, people speak of ‘pivot’s’ but don’t often speak of the patience required to really scale and build something... we all think that if our idea is great then surely it will be an overnight success... patience too is important in
AT WORK ... HONORABLE MENTIONS PERSONAL BESTS FOR OCTOBER* Todd Eldridge - $619,650 Lora Calvert - $2,739,570 * since joining the imortgage team
Cameron Owens ranked #1 Originating LO for builder loans in Region 2 for September with $6,604,768 and #2 for October with $3,215,678. Congrats! The City, Surf & Sand Team averaged $1,758,725 for volume and 4.6 loans each for the month of September. Wow!
TRID Event Hosted by the City, Surf & Sand Team at the Sheraton Harbor Island building your future. Last century when my high school friends and I spoke of what we wanted to do – mostly we didn’t really know. One friend went off to university to study science – yet she dedicated her life to fashion design. Her husband finished university with a law degree yet has given his life to the love of music, jazz and broadcasting. Another friend of mine started her professional life as an investment banker yet for two decades has been a film producer and most recently was acknowledged for her craft at the Vienna film festival. At school I remember my friend Jenny Ackland dreaming of writing fiction. She loved literature and the structure of great stories. I catch up with Jen most years and every time I have asked her ‘how is the book coming?’ – she has had a wonderful career as an educator, has started her own business – but still her passion for writing great stories sat behind it all. She wrote many stories, finally got an agent and how exciting for Jen that
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Halloweentime!
not only has she just published her first book ‘The Secret Son’ it is doing so well. Of course I read it because my friend wrote it – but I found I could not put it down. I got lost in the vivid, imaginative story and the journey of discovery for the lead characters... There are so many lessons for us to learn from Jenny’s journey to being a published author; in fact they are the traits of highly successful people: 1. Never give up on the dream. 2. Invest in experience, practice mastery. 3. Learn relentlessly. 4. Persistent but also patient. www.naomisimson.com, @naomisimson
city surf & sand team
HOW (AND WHY) TO BECOME A FABULOUS LISTENER By Dr. Travis Bradberry, Coauthor Emotional Intelligence 2.0 & President at TalentSmart
Listening is a bit like intelligence—most everyone thinks they’re above average, even though that’s impossible. And listening is a skill you want to be great at. A recent study conducted at George Washington University showed that listening can influence up to 40% of a leader’s job performance.
“The word LISTEN contains the same letters as the word SILENT.” –Alfred Brendel There’s so much talking happening at work that opportunities to listen well abound. We talk to provide feedback, explain instructions, and communicate deadlines. Beyond the spoken words, there’s invaluable information to be deciphered through tone of voice, body language, and what isn’t said. In other words, failing to keep your ears (and eyes) open could leave you out of the game. Most people believe that their listening skills are where they need to be, even though they aren’t. A study at Wright State University surveyed more than 8,000 people from different verticals, and almost all rated themselves as listening as well as or better than their co-workers. We know intuitively that many of them are wrong. Effective listening is something that can absolutely be learned and mastered. Even if you find attentive listening difficult and, in certain situations, boring or unpleasant, that doesn’t mean you can’t do it. You just have to know what to work on. The straightforward strategies that follow will get you there. Focus. The biggest mistake most people make when it comes to listening is they’re so focused on what they’re going to say next or how what the other person is saying is going to affect them that they fail to hear what’s being said. The words come through loud and clear, but the meaning is lost. Focusing may seem like a simple suggestion, but it’s not as easy as it sounds. Your thoughts can be incredibly distracting.
Put away your phone. It’s impossible to listen well and monitor your phone at the same time. Nothing turns people off like a mid-conversation text message or even a quick glance at your phone. When you commit to a conversation, focus all your energy on the conversation. You will find that conversations are more enjoyable and effective when you immerse yourself in them. Ask good questions. People like to know you’re listening, and something as simple as a clarification question shows not only that you are listening but that you also care about what they’re saying. You’ll be surprised how much respect and appreciation you gain just by asking good questions. In addition to verifying what you’ve heard, you should ask questions that seek more information. Examples of probing questions are “What happened next?” and “Why did he say that?” The key is to make certain that your questions really do add to your understanding of the speaker’s words, rather than deflecting the conversation to a different topic. Practice reflective listening. Psychologist Carl Rogers used the term “reflective listening” to describe the listening strategy of paraphrasing the meaning of what’s being said in order to make certain you’ve interpreted the speaker’s words correctly. By doing this, you give the speaker the opportunity to clarify what she meant to say. When you practice reflective listening, don’t simply repeat the speaker’s words to her. Use your own words to show that you’ve absorbed the information. Use positive body language. Becoming cognizant of your gestures, expressions, and tone of voice (and making certain they’re positive) will draw people to you like ants to a picnic. Using an enthusiastic tone, uncrossing your arms, maintaining eye contact, and leaning towards the speaker are all forms of positive body language employed by great listeners. Positive body language can make all the difference in a conversation. Don’t pass judgment. If you want to be a good listener, you must be open-minded. Being open-minded makes you approachable and interesting to others. No one wants to have a conversation with someone who has already formed an opinion
... AND AT PLAY
Jon-Eric’s team took 3rd place in the SD Beneteau Cup!
and is not willing to listen. Having an open mind is crucial in the workplace, where approachability means access to new ideas and help. To eliminate preconceived notions and judgment, you need to see the world through other people’s eyes. This doesn’t require that you believe what they believe or condone their behavior; it simply means that you quit passing judgment long enough to truly understand what they are saying. Keep your mouth shut. If you’re not checking for understanding or asking a probing question, you shouldn’t be talking. Not only does thinking about what you’re going to say next take your attention away from the speaker, hijacking the conversation shows that you think you have something more important to say. This means that you shouldn’t jump in with solutions to the speaker’s problems. It’s human nature to want to help people, especially when it’s someone you care about, but what a lot of us don’t realize is that when we jump in with advice or a solution, we’re shutting the other person down. It’s essentially a more socially acceptable way of saying, “Okay, I’ve got it. You can stop now!” The effect is the same.
Lori Golfing with Ben & Colton | Todd Being Coy with His Cake
Robert Cheers the Padres | Penny, Tracey & Lupita @ Crab Town
Bringing It All Together Life is busy, and it seems to whirl by faster every day. We all try to do a million things at once, and sometimes it works out. But active, effective listening isn’t something you can do on the fly. It requires a conscious effort. www.linkedin.com/in/travisbradberry, @TravisBradberry
Jenna and Jerry in Portland
COM
city surf & sand team
Jennifer and Vicki at YPN | Lori w/ Courtney W. at 6 Degrees | Carlos and Terri at BIA Icon Awards |
NAHREP Sept. Event | Ana at SD Private Bank Apprec. Event |
Ben Lee Attends the AREAA National Convention
Tracey and Justin Honored for Their Hard Work |
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Ana at SD La Raza Lawyers Gala
Lehman Team Halloween Buckets | Lori, Ben and Phana at AREAA
Panelist Joan (and Team) at the SoCal Sales Rally
Dan Hanson: Loan Warrior
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Ben and Jenna
MMUNITY & CULTURE CORNER Neighborhood / Zip Code
CARAVAN SCHEDULE When
Cost
Meeting Location
TUESDAY #G10 – Scripps Ranch
Pitch: 9:00am – 9:45am Tour: 1:00pm – 4:00pm
La Bastide Bistro 10006 Scripps Ranch Blvd. #104, San Diego, CA
#G12 - Mission Bay, Pacific Beach, Mission Beach (92109)
Pitch: 8:30 am - 9:30 am Tour: 9:30 am - 12:00 pm
$5.00
Mission Bay Yacht Club 1215 El Carmel Place, San Diego, CA
#G27 – Rancho Bernardo, West of 1-15 (92127)
Pitch: 9:00am. – 10:00am Tour: 10:00 am – 12:00 pm
$1.00
4S Boys and Girls Club 16118 4 S Ranch Pkwy, San Diego, CA
#702 Del Mar, Carmel Valley, Solana Beach, Rancho Santa Fe (92014, 92067, 92075, 92091, 92127, 92130)
Pitch: 11:00am – 12:00pm Tour: 1:00pm – 4:00pm
Searsucker (Del Mar Highlands Plaza) 12995 El Camino Real, Del Mar, CA
#607 – Escondido (92025, 92026, 92027, 92029)
Pitch: 8:30am – 10:00pm Tour: 10:30pm – 1:30pm
The Masonic Center 1331 S. Escondido Blvd., Escondido, CA
#G18 – 92111, 92119, 92120, 91941, 91942 (1st & 3rdOf the Month)
Pitch: 9:00am – 10:00am Tour: 10:00am to 12:00pm
Marie Calender’s 6950 Alvarado Rd., San Diego, CA
#G118 – Coronado (92118)
Pitch: 9:30 am last Wed. of each month only Tour: Weekly at 11:00am – 1:00pm
#G129 - Rancho Penasquitos 92129
Pitch: 10:30am Tour: Immediately after Pitch
Cafe 56 - patio area 13211 Black Mountain Road, Von’s center in PQ
Rally & Ride
Pitch & Tour: 9:30 am
PSAR South County Service Center 880 Canarios Ct., Ste. 100, Chula Vista
#702 – Carlsbad, Encinitas, Cardiff (92007, 92009, 92011, 92024)
Pitch: 8:00am – 9:40am Tour: 10:30pm – 1:00pm
C3 Church 2716 Gateway Rd., Carlsbad, CA 92009
#801N & 802S – Fallbrook/Bonsall (92003, 92028,)
Pitch: 8:30am – 9:30am Tour: 9:30pm – 1:30pm
Fallbrook Country Escrow Office 1676 S. Mission Rd # E, Fallbrook, CA
WEDNESDAY
$3.00
Coronado Yacht Club 1631 Strand Way, Coronado, CA
THURSDAY #G8 - Downtown San Diego (92101, 92103) Parking: Metered street parking or nearby parking garages
Pitch: 8:30 a.m. - 9:30a.m. Tour: 10:00 a.m. – 12:30 p.m.
$3.00
Meze Greek Fusion 345 6th Street, San Diego, CA
#G16 - Point Loma & Ocean Beach
Pitch: 8:30 a.m. – 9:30 a.m. Tour : 10:00 a.m. to 1:00 p.m.
$5.00
Portuguese Hall 2818 Avenida De Portugal, San Diego, CA
#G6 – Clairemont, Linda Vista, Bay Park, Bay Ho, University City and Sera Mesa (92110, 92111, 92117, 92122, 92123)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$10.00
Hometown Buffet 3007 Clairemont Dr., San Diego, CA
#G26 - Rancho Bernardo and Carmel Mountain Ranch in zip 92128 and all of zip 92127
Pitch: 9:00am – 9:30am Tour: 9:45am – 12:00 pm
$1.00
St. Bartholomew’s Episcopal Church 16275 Pomerado Road, Poway, CA
#G111 - Golden Triangle (92122, 92037)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$17.00
Cozymel’s Coastal Mex 4303 La Jolla Villa Dr., San Diego, CA
#G126 - Mira Mesa, Sorrento Valley (92126, 92121)
Pitch: 11:30am - 12:30pm Tour : 12:45am - 2:30pm
$17.00
Cozymel’s Coastal Mex 4303 La Jolla Villa Dr., San Diego, CA 92122
#G704 – Oceanside 92054, 92056, 92057, 92058
Pitch: 8:00am - 9:30am Tour: 9:30am - 11:30am.
Woman’s Club 3220 Monroe St., Carlsbad, CA
#602 – San Marcos (92069,92078) #601 – Vista (92081, 92083, 92084)
Pitch: 8:30am – 9:00pm Tour: 10:000pm – 1:00pm
Nucci’s Italian Restaurant 1580 South Melrose Dr., Vista, CA
#G64 – Poway (92128) & Sabre Springs South of Ted Williams Pkwy
Pitch: 8:30 a.m. - 9:45a.m. Tour: 9:45 a.m. – 12:00 p.m.
$5.00
St. Bartholomew’s Episcopal Church 16275 Pomerado Road, Poway, CA
#G14 East & West - Metro Area West of Park Blvd (92101, 92103, 92108, 92110, 92116)
Pitch: 8:30am – 9:30am Tour: 10:00am – 1:00pm
$3.00
Kato Sushi 1045 University Avenue, San Diego, CA
city surf & sand team
COM
TOP 10 MOST NUTRIENT DENSE FOODS By Carly Fraser, Owner/Founder Live Love Fruit
When a food is considered nutrient dense, that means that it will satisfy parts of your brain that trigger hunger signals. When we have satisfied our nutrient requirements, we will not overeat, because the body is intelligent and knows that when it receives certain vitamins and minerals, that it no longer needs said nutrients and we become full and satisfied. However, when we consume foods that are “nutrient-less,” meaning, having little or no vitamin or mineral content, then we can continually eat without ever being satisfied. These foods include things that are over-processed like store-bought bread and pasta products, canned goods, and boxed or frozen pre-made “meals.”
HEMP SEEDS Hemp is an incredible superfood – it contains a beautiful mixture of protein, fibre, essential fatty acids, antioxidants, amino acids, vitamins AND minerals. Basically everything you need to be happy and healthy. Best of all, hemp has no known allergens, and it does not contain enzyme inhibitors or phytates (unlike soy), so the nutrients in hemp are readily absorbed by the body!
With that in mind, it would be a good idea to start piling these 10 nutrient dense plant foods on your plate as soon as you get the chance! KALE Kale is actually considered one of the most healthiest superfoods on the planet! It is high in vitamins A, C, & K, and contains more iron than beef, more calcium than milk, and 10 times more vitamin C than spinach! It also contains a healthy amount of potassium, folic acid lutein, carotenoids and antioxidants. CABBAGE This staple food is highly nutrient dense. It contains plenty of calcium, vitamin K and C, as well as a handful of beneficial antioxidants that act as anti-inflammatories to reduce aches and pains, and powerful scavengers of free radicals to help slow cancerous growths. WILD BLUEBERRIES Wild, organic blueberries (much different than conventional, non-organic blueberries you buy at your local grocer) are one of the best foods you could be putting in your body! They are high in anthocyanins, a powerful immune-boosting antioxidant, anti-ager and DNA protector. Pretty much any local, organic berry will provide similar benefits – also look for raspberries, blackberries, mulberries, acai, goji and camu camu berries!
CHIA SEEDS If you haven’t included chia seeds on your list of foods to eat, then you should probably re-consider! Chia seeds contain 64% more potassium than a banana, 6 times more calcium than milk, 100% more omega-3 fatty acids than salmon, double the antioxidants found in blueberries, 41% of your daily fibre, 6 times more iron than spinach and 32% of your daily magnesium! BEET GREENS When you purchase beets, you may just end up throwing out the tops, but what if I told you that you are actually throwing out the most nutrient-dense part of the plant! Beet greens are an incredible source of calcium and magnesium, as well as the
MMUNITY & CULTURE CORNER ON THE PLANET carotenoids lutein and beta-carotene (which play an important role in eye health, especially in health of the retina). BOK CHOY I became obsessed with bok choy the first time I bit into a leaf at a friends house. I don’t go a day without eating bok choy (I particularly love adding it chopped up in my salads!). This cruciferous vegetable contains plenty of calcium, folate and vitamins A, C and K. There are over 28 different polyphenols (antioxidant phytochemicals) in this beautiful plant, the most abundant being kaempferol, a molecule with powerful anti-cancer properties. MUSTARD GREENS This spicy green is a great detox aid, and should without a doubt be include in your daily regime. Mustard greens provide nutrient support for the three body systems that are closely connected with cancer development and cancer prevention. Namely, our detox system, antioxidant system and inflammatory/anti-inflammatory systems are all supported by this incredible leafy green, which helps prevent imbalances that often trigger an increased risk in cancer development. WATERCRESS Watercress ranks as one of the most nutrient-dense plant foods. Watercress not only helps to reduce DNA damage caused by free radicals, and help prevent DNA damage to blood cells, but it also contains crucial phytonutrients like isothiocyanates and gluconasturtiin. These two phytonutrients help reduce neuronal damage, strengthen our bones, prevent iron deficiencies and ensure healthy connective tissue.
Beach Days: Casey @ Volleyball; Jacky and Son Jordan
Lori in New Orleans
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Ana and Romeo
YTD Challenge Leaderboard Name
# Steps
1
Ron Stowers
7,952,575
2
Mike Stowers
6,070,304
3
Belinda Stowers
3,968,416
BROCCOLI Although you may not like the concept of eating broccoli, it remains as one of the healthiest plant foods out there! It contains plenty of Vitamins C, A, and K, and is loaded with minerals like potassium, iron, magnesium, calcium and folate. This heart vegetable not only fights cancer (especially broccoli sprouts and their high sulforophane content), but it keeps the heart healthy, regulates high blood pressure, and strengthens our bones and teeth!
4
Mike Surges
3,749,616
5
Cameron Owens
3,710,541
6
Blanca Fonseca
3,419,819
7
Jenna Greenberg
3,134,258
8
Karri Onori
2,998,002
9
Julie Larabee
2,991,231
www.facebook.com/livelovefruit, @livelovefruit
10
Joan Llanes
2,632,093
city surf & sand team
In the Kitchen with imortgage ntner
l Icing
me h Cara ke wit
a er E olate C Jennimf a’s Wet Choc Grand
flour er 2 cups king powd : r e a h t b . e p g s o n t t 1 Mix beate . salt s, well 1/2 tsp king soda 2 egg ugar ba s 2 tsp. ewed 2 cups oil hot br p p u u c c 1 1/2 a p coco 3/4 cu ilk m 1 cup rks e e coff an (wo o illa p n t a d v n . ard t d bu 1/2 tsp floure se icing is h r knife d n a ased ick o ecau to gre cake b toothp es). Allow Pour in an a layer il inserted u min t th 0t better . Bake at 35 bably 40-50 n. ) ro pa spread ut clean (p rom bundt o f s e e v o m co em l and r to coo g el Icin gar Caram p brown su u c 1 1/2 milk p 1/4 cu tter bu . p ring s t 2 ile stir at nilla h a w v . n p a d be cep 1 tbs vy sau rom heat an rd, a e h o ha ve f oil in to a b tes). Remo re it gets to ! Bring u o f in y e jo b m En !! ht t3 (abou kened. Rig ooled cake. ic c h until t pread over /s le z iz r d
rth Debbie Wgeate Salad Mom’s Water
g (3.4 oz) chio puddin 1 box of pista ip (I use extra creamy) l wh 1 cup of coo se colored) mallows (I u sh ar m f o p 1 cu ple (20 oz) shed pineap 1 can of cru taste/color cherries for marischino rs. ate for 2 hou and refriger Mix together . taste/texture gredients to in 4 st la st Adju
Karri Onori
Dad’s Kielbasa Stew 2 packages of kielba sa instant potatos 1 tub sour cream ch ili powder real potatos sea carrots son salt garlic salt Boil the kielbasa for 2 - 3 hours add the ch ili powder, season salt & garlic sal t. Let all boil together. Add potatos & carrots an d boil for another ho ur. Add the sour cream and thick en up with instant po tatoes to desired thickness.
CELEBRATE!
Anniversaries
7 yrs Ron Stowers 12.17 2 yrs Andrew Sheftel 11.11 1 yr 2 yrs Nick Zurek 12.04 1 yr 2 yrs Yvonne Espinoza 12.09 1 yr 2 yrs Blanca Fonseca 12.31 1 yr
Birthdays
Josh Johnson 11.10 Casey Sawyer 11.25 Ana Padilla 11.29 Lupita Sedano 12.12 Justin Goodman 12.19
Karri Onori Ryan Carr Krystin Contreras Amber Norris
11.03 11.05 11.17 12.17
Nina Bobadilla 12.21 Kenny Jacques 12.22 Yvonne Espinoza 12.23 Belinda Stowers 12.29
cos orn Ta an & C
lon e astrePlotato, Black B C a c i Mon Sweet e ney-Lim
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Robert’s Daughter Bella |
Debbie’s Granddaughter Selah
Jacky Pa
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| Two Pumpkins | Congrats to Christine, Mike and Mikey!
EVENTS
city surf & sand team
NOVEMBER SUN 1
MON 2
TUE
WED
3
4
BIA Building Industry Show
THU 5
11am - 7pm (2 days)
BIA Brew Bash 5pm - 7pm
8
9
BIA RC Monte Carlo Night Voodoo Lounge 5:30pm - 10pm
15
16
Desert Biz B’fast 10 Palm7am - 9am
6 Degrees 6:30am - 9:30am Palm Springs Chamber Expo 5pm - 9pm NAR Int’l RE Congress 5pm - 7pm
17
11
WCR Networking 11am - 1pm NAHREP 12pm - 2pm WCR Day at the Races 1pm - 5pm 6 Degrees Cigar Society 5pm - 8pm
12
NAR International Real Estate Congress BOSA 5pm - 7pm
Profit Connection Leads Lunch Palm Desert Chamber
18 Annual Business
19
Planning Event Hilton San Diego
FRI 6
4pm - 6pm
7
1st Friday Breakfast Carlsbad Chamber 7am - 9am
13
Coffee Connection 8am - 9am
WCR Luncheon
BIA Saturday Night Fever Balboa Bay Club 6pm - 10pm
14 BIA Riverside Installation Dinner 5pm - 9pm
11:30am - 1:30pm
11:30am - 1pm
WCR Sip & Sea
SAT
20
21
27
28
BIA Annual Dinner 5pm - 8pm
8am - 5pm
New Hire Orientation
22
23
24
25
Holly Nanula Harcourts
26
Real Estate Networking 4:30pm - 6:30pm
29
THANKSGIVING HOLIDAY
THANKSGIVING HOLIDAY
THU
FRI
30
DECEMBER SUN
MON
TUE 1
6
7
AREAA Dinner for the Homeless 6:30pm - 8:30pm
7:30am - 9:00am
14
2
NAHREP North County Holiday Bash Sheraton Carlsbad 5pm - 9pm
8Palm Desert Chamber 9 Business Breakfast Desert Willow Golf
13
WED
15
NAHREP Business Mixer 2pm - 5pm BIA Thank You Party 5pm - 8pm AREAA B&W Ball 7pm - 12am
16
Sundowner Carlsbad Chamber 5pm - 7pm
20
21
22
Holly Nanula Harcourts
23
Springs Chamber 3 Palm Athena Luncheon
11am - 1pm 6 Degrees Holiday Party 5pm - 8pm SDAR Holiday House 5pm - 8pm
28
29
1st Friday Breakfast Carlsbad Chamber
Mission Hills Country Club 11am - 1pm Leads Lunch Palm Desert Chamber 11:30am - 1pm
Coffee Connection Carlsbad Chamber
12
8am - 9am
17 Palm Desert Chamber
18
24
25
Holiday Party 11am - 1:30pm WCR Board Installation / Holiday Bottle Auction 11:30am - 1:30pm
5
7am - 9am
10 WCR Xmas Tree Auction 11
IMORTGAGE HOLIDAY PARTY
19
26 CHRISTMAS HOLIDAY
Real Estate Networking 4:30pm - 6:30pm
27
4
SAT
30
31
Please share pictures of all your industry events, conventions, awards, sales meetings and -- and make sure you in the picture. make sure you areare in the picture. Send a Send toto Holly Johnson (holly.johnson@imortgage.com) withwith a small explanation of the picture Blanca Fonseca (blanca.fonseca@imortgage.com) a small explanation ofevent. the event. Imortgage by the Department of Business Oversight under theunder California Lending Act CRMLA 4131040. NMLS ID 174457. imortgageisislicensed licensed by the Department of Business Oversight the Residential California Mortgage Residential Mortgage Lending Act CRMLA All rights reserved. Equal Housing Opportunity. 4131040. Corporate NMLS ID 174457. All rights reserved.