Delta Currents November 2014

DE LT A ASSO CIATI ON OF R E A LT OR S 速 No vem ber 2014 | www.deltaaor.com

delta currents

2014 DAR PRESIDENT RON KEEFER

november2014

Random and not so random thoughts on C.A.R. Fall Meetings, Anaheim A. Property Assessed Clean Energy (PACE) Lien • A PACE lien is for financing of energy saving home improvements. Basically, a home improvement loan.

• Payment to repay financing is done through homeowner’s tax bill and collected as part of the tax bill. Counties collect a % of payments as a

collection fee.

• Question arises on lien priority… should PACE be senior or junior to first mortgages?

• C.A.R. supported 2008 PACE legislation because, unlike Mello Roos which is

mandatory for the community served, PACE provides for voluntary “opt-in”. It is an individual homeowner’s option.

• PACE liens stay with the property even after sold, and will continue to be collected on the new owner’s tax bill.

• PACE can be paid in full by homeowner at any time, thereby removing the lien.

• Question; Does the energy upgrade result in an increase of the home’s value, thereby offsetting the cost?

• Up to 10% of the home’s assessed value can be loaned to qualified homeowners.

B. Pocket Listings: A big concern • C.A.R. putting attention on this practice because…

• Are property owners adequately represented when exposure to the general market is not provided? What establishes market value better what a buyer is willing to pay?

• Is the practice of pocket listing in

•

•

compliance with our Code of Ethics? (See articles1 & 3) Is this practice an appropriate recruiting tool?

In what way does a pocket listing benefit a seller?

C. Solar owned vs. leased equipment and disclosures • This is a new issue requiring Realtor expertise. What and how to disclose?

• Is the lease of solar

equipment recorded (it should be)? Check with your title company. If not it won’t show up on the title report. Then what happens?

D. The new RPA due in November • You just HAVE TO ATTEND a C.A.R. training class.

• 8 pages to 10 pages… new and, yes, simplified.

• Many disclosures incorporated in the 11/14 revision, eliminate some

additional disclosures.

• Other associated purchase

agreements and disclosures revised too.

(See C.A.R. “November 2014 Form Release Quick Summary” available at www.car.org.)

As you might guess, many topics important to our business were discussed in detail.

You are encouraged to attend future C.A.R. Business Meetings. Look on the C.A.R. website for information regarding: 2015 Meetings: January 28 - 31 – Indian Wells

April 22 – 25 – Sacramento

(Legislative Day too)

October 7 – 10 – San Jose

See you there!

 

 

     

2014 OFFICERS

Delta Association of REALTORS速 3428 Hillcrest Avenue, Suite 200, Antioch, CA 94531 Phone 925 757 8283

2014 DIRECTORS

Fax 925 757 8393 info@deltaaor.com

John Canning Mary Jane Dukellis Monica Malcuit Jodi Marfia Lori Ogorchock Rena Provencio Jerry Soto Cecily Tippery Lynn Valintis

STAFF

John Bedford, Association Executive NEW EMAIL: JohnB@deltaaor.com Tonia Nielsen, Chief Operations Officer tonia@deltaaor.com Jean Ruelas, Manager- Retail Operations jean@deltaaor.com

yourdarteam

Ron Keefer, President James Britto, President-Elect Errol Mooney, Treasurer Scott MacIntyre, Immediate Past President John Bedford, Secretary

NOVEMBER 2014

Delta Currents is the official monthly publication of the Delta Association of REALTORS速. Although every effort has been made to ensure the accuracy and thoroughness of this publication, errors may occur.

DAR shall not be held liable for misinformation, typographical errors, omissions, and/or misprints in editorial and/or advertising materials.

Delta Currents is published by Michelle Manos Design.

To advertise in Delta Currents, contact Michelle Manos at 831 869 5084 or michelle@michellemanosdesign.com

Barbara Baham, Members Service Director barbara@deltaaor.com

DAR Hours

TUESDAY - FRIDAY 8:00am - 5:00pm MONDAY 9:00am - 5:00pm

novembertours

ANTIOCH/PITTSBURG/BAYPOINT Every Tuesday Delta Association of REALTORS® 3428 Hillcrest Avenue, Ste. 200, Antioch 8:30am • $2 Group does use Paragon to Schedule homes on tour. Must attend the Marketing Meeting the Morning of tour to confirm open house. Agent or representative must hold open from 9:30- 11:00.For more information call Ramesh Suman, Majestic Homes, 779-1234, or Ralph Garrow Jr., Ralph Garrow Real Estate, 366-6676 DISCOVERY BAY/BYRON MARKETING MEETING & TOUR 1st and 3rd Tuesday Board Walk Grill at the Marina, Discovery Bay 9:00am • $2 Group does use Paragon to schedule homes on tour. Open tour and must be in by Noon onMonday.

Homes on tour are open from 9:30-12:00.To place a home on tour you must attend the meeting prior to the week the house is on tour.

For more information call Christine Wallin Sasville Properties 525-7402 OAKLEY/BETHEL ISLAND/ BRENTWOOD/KNIGHTSEN MARKETING MEETING & TOUR Every Wednesday Black Bear Diner, 3201 Main Street, Oakley • 8:30am • $2 Group will use Paragon to schedule homes on tour.

For more information contact Dan Barnes,Tour Coordinator, 759-4648.

CONTRA COSTA REALTORS® IN MOTION CONTRA COSTA NORTH Martinez, Pacheco, Pleasant Hill, Concord, Walnut Creek, Clayton, Clyde Every Tuesday 8:30am • $10 Centre Concord, 5298 Clayton Rd., Concord Doors open at 8am for breakfast www.ccrim.info REALTORS® MARKETING ASSOCIATION CONTRA COSTA SOUTH Danville, San Ramon, Blackhawk, Diablo, Alamo Every Thursday San Ramon Community Center, 12501 Alcosta Blvd., San Ramon 8:30am • $5 Doors open at 8am for breakfast No formal tour www.RMAtoday.com INFORMAL TOURS Martinez, Pacheco, Pleasant Hill, Concord, Walnut Creek, Clayton,Clyde, Rossmoor, Orinda, Lafayette, Moraga Tuesday between 9:00am and 2:00pm Danville, San Ramon, Blackhawk, Diablo, Alamo Thursday between 9:00am & 2:00pm

7-10 11 12 13 14 17 18 19 19 20 26 27 28

NAR Conference New Orleans DAR Closed Veterans Day 8 a.m. - 5 p.m.

Budge & Finance Committee Meeting 10 a.m. - 11 a.m.

Executive Committee Meeting 9:30 a.m. - 11 a.m.

Local Government Relations 8:30 a.m. - 9:30 a.m.

Legal Updates with CAR Neil D. Kalin 11 a.m. - 12 p.m.

Delta Realtor Community Service Foundation 1:30 a.m. - 3 p.m.

GRI Trust Fund Management – Fair Housing 8:30 a.m. - 5 p.m.

New Members Orientation 8:30 a.m. - 12 p.m.

Board of Directors Meeting 9 a.m. - 11 a.m.

DAR Closed at NOON DAR Closed Thanksgiving DAR Closed

Dec. Dec. Dec. Dec. Dec. Dec. Dec. Dec. Dec.

5 11 16 18 17 24 25 26 31

Holiday Open House 11:30 a.m. - 3 p.m.

Executive Committee Meeting 9:30 a.m. - 11 a.m.

Budget & Finance Committee Meeting 10 a.m. - 11 a.m.

Board of Directors Meeting 12 p.m. - 3 p.m.

GRI Technology Applications in Real Estate 8 a.m. - 5 p.m.

DAR CLOSED ½ Day 12 p.m. - 5 p.m.

DAR CLOSED Christmas Day DAR CLOSED DAR CLOSED ½ Day Inventory 12 p.m. - 5 p.m.

Jan. 1 Jan. 16 Jan. 19 Jan. 20

Jan. 22 Jan. 27 Jan. 29

DAR CLOSED New Year’s Day DAR Installation Banquet DAR CLOSED M.L.King Jr. Day Delta Realtor Community Service Foundation Board Executive Committee Meeting Budge & Finance Meeting Board of Directors Meeting

6 p.m. - 11 p.m.

9:30 a.m.- 11 a.m.

9:30 a.m. - 11 a.m.

10 a.m. - 11 a.m.

9 a.m. - 11 a.m.

yourcalendar

Nov. Nov. Nov. Nov. Nov. Nov. Nov. Nov. Nov. Nov. Nov. Nov. Nov.

welcome newmembers

REALTORS速 Stephanie Burton BHG-Mason-McDuffie R.E. 5887 A Lone Tree Way Antioch 776-2740 FAX 776-2741 Elia Gurumendi BHG-Mason-McDuffie R.E. 5887 A Lone Tree Way Antioch 776-2740 FAX 776-2741 Antoinette Sullivan BHG-Mason-McDuffie R.E. 5887 A Lone Tree Way Antioch 776-2740 FAX 776-2741

Leonda Addison CES Premier Real Estate 1317 Buchanan Rd., Pittsburg 432-3600 FAX 432-3020 Alison Fedorchak Homes By Krista 5149 Lone Tree Way, Antioch 978-9431 FAX 252-8182 Julie Mayjoffo Realty One Group Elite 5119 Lone Tree Way, Antioch 978-1100 FAX 706-8203 Vincent Skaggs Realty World Pigati & Russell 100 Cortona Way, Ste. 150 Brentwood 513-4004 FAX 513-4330

Jody Roa RE/MAX Blue Line 5005 Lone Tree Way, Ste. C Antioch 754-6100 FAX 754-6120 BROKERS Carrie Colemen Delta Bay Realty 640 Bailey Rd., #465 Pittsburg 301-7445 FAX 952-7441 Donna Haro Haro Real Estate 1090 Shary Circle #B Concord 470-5019

Where you

and your money

belong Join

o nline

today!

REALTORS® Federal Credit Union is dedicated to serving the financial needs of REALTORS® like you!

Savings & Investment Products

Not a Member? Not a Problem!

• Traditional Savings • Money Market Savings • Industry leading Certificate Investments • Traditional, Roth and SEP Individual Retirement Savings and Certificate Accounts

All REALTORS® and immediate family members are eligible for lifetime membership!

REALTORS® FCU offers customized products & services to meet the unique financial and cash flow needs of REALTORS®.

You deserve the freedom to manage your finances when and where you want to.

Checking • F ree eChecking with MasterCard® Debit Card* with no minimum balance requirement • Fee-Free ATM Transactions at Thousands of CO-OP Network & CU24 ATMs

Join online today, here’s how: 1. Visit REALTORSFCU.ORG 2. Click “Membership” to learn more 3. Click “Membership Application” to get started

Have Questions?

Call a Member Care representative 24-hours a day at 866.295.6038.

Lending to Fit Your Needs • Vehicle Loans • Personal Loans & Lines of Credit • Home Loans, Refinancing and Home Equity Lines of Credit

Your Own Virtual Branch • Remote Check Deposit • Online Bill Pay • Electronic Internal & External Transfers • Electronic Statements • Alerts & Secure Messaging

Must meet REALTORS® Federal Credit Union (RFCU) membership eligibility.

Membership requires opening and maintaining a primary share savings account with a $100 minimum balance. Rates, terms, conditions and services are subject to change. RFCU savings are federally insured by the National Credit Union Administration (NCUA). *No monthly service fee. Other fees may apply. Please refer to the Schedule GF1101 of Fees and Charges at REALTORSFCU.ORG for details.

GRI Class Technology Applications in Real Estate Wednesday, Dec. 17, 2014 8 a.m. – 5 p.m.

To register call GRI at 888-785-4800 or www.eDesignations.com

Legal Updates Neil D. Kalin, C.A.R. Assistant General Counsel Monday, Nov. 17, 2014 11:00 a.m. – 12:00 noon To register call DAR office 757-8283 (seating is limited)

All Classes are held at the Delta Association of REALTORS® 3428 Hillcrest Ave., Ste: 200, Antioch, except as otherwise noted

GRI Class Money Making Strategies for Success Wednesday, Nov. 19, 2014 8 a.m. – 5 p.m.

To register call GRI at 888-785-4800 or www.eDesignations.com New Members Orientation Wednesday, Nov. 19, 2014 8:30 a.m. – 12 noon DAR office 757-8283

dareducation

EBRDI Paragon Training Free to MLS Subscribers Steven Pean, Instructor Wednesday, Nov. 5, 2014 Paragon 5 Essentials 9 a.m. – 12 p.m.

M.O.R.E. and Partner MLS 1 p.m. – 4 p.m.

To register call EBRDI at 363-2333 Or logon to EBRDI.com

deltacurrents

T H E O F F I C I A L P U B L I C AT I O N O F T H E D E LTA A S S O C I AT I O N O F R E A LT O R S ®

A D V E R T I S I N G C O N T R A C T & S P A C E R E S E R VA T I O N ADVERTISER Address City, State, Zip Contact Office Phone Mobile Phone

agrees as follows: Today’s Date Fax Email Website

BILLING CONTACT Address City, State, Zip Title

Phone Mobile Fax Email

SPACE Ad Size/Color Placement Request Notes Cost Per Month

# of months Beginning Issue Ending Issue Contract Total

TERMS

DEADLINES

PAYMENT

ADVERTISER APPROVAL

PUBLISHER APPROVAL

February 2014

• This agreement is subject to the following terms and conditions. The Advertiser has read and understands this Agreement and has received a copy. This constitutes the complete Agreement between Advertiser and Publisher. Verbal representations and promises made by the Advertiser or Publisher are not binding or valid.

• The Advertiser understands and agrees that the advertising placement contracted for is immediately reserved for the Advertiser by the Publisher upon execution of this agreement. Cancellation of this agreement cannot be accepted in lieu of payment.

• The Publisher reserves the right to refuse advertising for any reason. The liability of the Publisher for any error or omission or delay for which the Publisher may be held legally responsible shall not exceed the cost of the space or placement paid for by the Advertiser.

• This agreement is with the named Advertiser. Change of ownership or management will not dissolve Advertiser’s obligations.

• Artwork created by Michelle Manos Design is for the exclusive use in its publications. Consult Publisher for rates for other use.

Space reservations and artwork are due by the 25th of the previous month. The previous issue’s advertisement will be published unless the Publisher is otherwise notified and new artwork received by the Publisher. We are pleased to assist our advertisers with preparation of their advertisements at no charge.

We accept PayPal and checks. MAKE CHECKS PAYABLE TO MICHELLE MANOS DESIGN. Payment must be made in advance of publication.

Advertiser’s Authorized Signature

Date

Publisher’s Signature

Date

deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN.

For advertising information, contact Michelle Manos at michelle@michellemanosdesign.com or 831 869 5084.

PLACE YOUR AD IN

deltacurrents

THE OFFICIAL ONLINE PUBLICATION OF THE DELTA ASSOCIATION OF REALTORS®

• DeltaCurrents is an eMagazine that features a link to your email and/or website.

• AFFORDABLE RATES AND SIZES Preferred rates for DAR members!

• CORE READERSHIP DeltaCurrents reaches some 1,000 REALTORS® and Affiliates in Eastern Contra Costa County - Antioch, Bay Point, Bethel Island, Brentwood, Byron, Discovery Bay, Knightsen, Pittsburg, and Oakley.

• EDITORIAL Articles feature issues of importance to the real estate community, including information about national, state, and local real estate news, REALTOR® safety, legal issues, special events, technology, education, philanthropy, and more.

HALF PAGE VERTICAL

HALF PAGE HORIZONTAL

QUARTER PAGE

BUSINESS CARD

7.5 X 5

3.65 X 10

3.5 x 2

3.65 X 5

Page size is 8.5” x 11” • Ad can bleed

FULL PAGE

• FREE AD DESIGN Design services are free for advertisers!

• DISTRIBUTION DeltaCurrents is emailed to REALTOR® and Affiliate members of the Delta Association of REALTORS® monthly. Twelve annual issues are available as downloadable PDF’s on the DAR’s website.

•THE PUBLISHER Michelle Manos Design specializes in publishing periodicals and other publications for REALTOR® associations, non-profit organizations, and many other businesses. The MMD team has over 40 years of experience in award-winning publishing, marketing, and graphic design programs. MMD serves clients throughout California and the USA.

AD SPECIFICATIONS

ADVERTISING RATES

Email contracts and artwork to michellemanos@gmail.com

MEMBER RATES (per month)

February 2014 6-12 months

1-5 months

• Submit artwork as a pdf,tif, psd, or packaged InDesign file

Full Page

70

75

Half Page

40

60

• Space reservations and artwork are due the 25th of the prior month

Quarter Page

25

35

Business Card 10

20

• We will design your ad at no charge, and you may change it at no cost throughout your contract.

NON-MEMBER RATES (per month) 6-12 months

1-5 months

Full Page

90

100

Half Page

65

75

Quarter Page

40

45

Business Card

25

35

8.5 x 11

deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN. For advertising information, contact Michelle Manos at michelle@michellemanosdesign.com or 831 869 5084

HOLD IT AT DAR! CALL 925 757 8283 FOR DETAILS.

planameeting!

ROCKTOBERFEST

A Big Success and Heartfelt Thanks!

The Delta Realtor Community Service Foundation wants to thank all involved with the 7th Annual Rocktoberfest Rock Concert held October 25, 2014 at Cedar Creek Stables in Brentwood CA. Our generous sponsors were: Prudential California Realty Pearson Properties; The Brentwood Press; The Loan Ladies - Prospect Mortgage; John Shaner of Shaner Boat

Works; Cathleen Griebling, Coldwell Banker; Leonard Briones, Pacific Funding Group; Jerry Rincon, Quality Investment Group LLC; Shawn Glisson, All Systems Raingutters and Jeff Scalier, Blue Star HVAC.

people who attended this year’s event to Rock-On and Rock-Out for our community.

Your generosity will continue to support Local High School Scholarships and Food Banks within East Contra Costa County.

Special thanks to The Real Estate Guide & Cedar Creek Stables for their continued and generous support. And of course, thanks to all the

Cathleen Griebling, Member Delta Realtors Community Service Foundation Board of Directors

Rocktoberfest Gathering Sandy Strobel, Maggie Hurtado ,and Cathleen Griebling