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Short Sale Heaven by Veronica Malolos

Surely you jest! Is there really such a thing? Believe it or not, I recently had an experience with a short sale closing that I would consider being one that was made in heaven. My Seller had a First and a Second mortgage on his property. I rolled my eyes from the get-go thinking to myself “Oh no, not one of these!” I had a cooperative Seller who understood that he and his wife needed to be on the same page with their Short Sale and Foreclosure Resource REALTOR® (me) at all times. It was priced correctly and competitively with other distressed properties that had already saturated this market area. The following day, we found out that the outside A/C unit was stolen! That was definitely another eye-rolling moment right there. Within 13 days on the market, a wonderful REALTOR® brought my Seller a full price cash offer. I could tell that she was experienced and educated. I knew then that we had a good chance at this. The 4 months of short sale processing was grueling. The Lender of the first mortgage needed a higher net payoff. The Title Agent and I put our minds together to make the numbers work. The Selling REALTOR® did a fine job of negotiating for the best interests of her Buyer and I worked on negotiating for the best interests of my Seller in regards to the stolen A/C (by bringing the A/C insurance claim payoff to the table). We got the approval from the “First”. My processor was happy. Now if only we could get the “Second” to go along with the “First”. That didn’t happen until we had just 7 days left on the “First” approval. By this time, the Buyer was getting ready to walk. The Selling REALTOR® and I had a long conversation about how crucial it was that the Buyer stays with the process. She did a fantastic job at helping her Buyer understand the process and the importance of holding on. My processor escalated the file until finally

we got the approval from the “Second”. By this time we only had 5 days left on the original Approval. I prepared the property for inspection quickly. I had to get the Seller to settle the outstanding utility bills of his former tenant and get the utilities turned on for the inspection within 24 hours. The Selling REALTOR® was so efficient in getting the inspections done and we finally got word that the Buyer was moving forward with the purchase. The Title Agent worked on getting the closing package. The Buyer wired her funds and we were closed and disbursed right in the nick of time. This was a wonderful combination of the following: a cooperative Seller and Buyer, a determined short sale Processor, a fantastic Title Agent and 2 REALTORs® who communicated well and worked together for two common goals which are: 1. To work for the benefit of our customers and 2. To CLOSE THE DEAL! Over the years, I have been fortunate to meet so many solid professional REALTORs® through my activities at our association and those relationships really pay off by making complicated transactions run smoothly through trust and respect between fellow REALTORS® and Affiliates. This to me was a short sale made in Heaven! ■

ASSOCIATION LEADERSHIP President .........................Veronica Malolos President-Elect......................Tim Weisheyer Vice-President .......................... Renee Clark Treasurer ............................. Gerald Kelley Secretary ............................. Kim Goodwin Past President ......................... Jose Alvarez Directors Daisy Cid David Courtney David DeLoach Karen Dierickx Susan Graves

Richard Knapp Nick Nichols Angel Ortiz Denise Sacks

Legal Counsel Danny Villazon

A Note from M ember Services Just a rem inder that you will be Novembe re

r of 2010 v ceiving an ia email for invoice in Member Re the 2011 R newal. We e a lt o r® value your and hope th continued m Annual at you will embership ren avoid interr uption of m ew by December 31, 2010 to e m feel free to ber service contact us if you have an s/late fees. Please y questions . Thank you !

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Quarterly Board Report by Carol K. Platt, CRB The third quarter of 2010 has certainly been an active one! Your leadership has spent a great deal of time engaged in the current real estate industry and public policy environment, as well as, making plans and setting standards for the future of the association. Here are a few highlights from July through September from your Board of Directors’ actions: *Approved a donation of $1 per member to the “Show our Troops We Care” program in response to a request from Wendell Davis, President of Florida REALTORS®. These funds will buy international calling cards to deployed members of the U.S. Armed Services – the item most requested by our men and women serving overseas. *Supported participation by President Veronica Malolos, President Elect Tim Weisheyer and AE Carol Platt at the AG Institute Candidates Forum, sponsored by our Farm Credit of Central Florida affiliate. *Recommended the candidates for public office election to OSCAR members and to Florida REALTORS® Political Action Committee for St. Cloud City Council, Kissimmee Commission, Osceola County Commission, Osceola County School Board and the Florida House of Representatives.

OSCAR Supports National REALTORS® Campaign For Military Families by Wendi Jeannin October 18, 2010 (Kissimmee, Fl): The Osceola County REALTORS® Association (OSCAR) continues its mission to support the troops announcing its partnership with the National Association of REALTORS® (NAR) HouseLogic Operation Home Relief. HouseLogic Operation Home Relief is a Facebook campaign to increase awareness, rally support and raise funds for USA Cares, a nonprofit organization that provides counseling and financial foreclosure assistance to post-9/11 active duty U.S. military service personnel, veterans and their families. The NAR launched HouseLogic a free, comprehensive consumer website about all aspects of homeownership. $1 will be donated to USA Cares every time someone “likes” the Operation Home Relief Cause page on Facebook and will match individual donations made to the cause, up to $20,000.

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*Recommended that the 2011 Officers and Board of Directors participate in Board Training and Team Building for strategic success of the association. • Approved enhanced technology marketing, communication and networking benefits for OSCAR members. • Approved the following public policy statement: “The Osceola County Association of REALTORS® supports the City of Kissimmee in upholding and utilizing their current ordinances and codes to maintain the safety and value of properties located within the city limits”. • Approved sponsorship of the Osceola County Women’s Council of REALTORS® Fall Fashion Show. • Approved support of two officers to attend the Florida REALTORS® Leadership Academy in 2011. • Approved Florida REALTORS® Spokesperson Training for OSCAR’s 2011 President, President Elect, Vice-President and Chair of Public Policy. • Approved service center listing transfer processes to mirror My Florida Regional Multiple Listing Service Regulations. It’s been great to work with leaders this quarter who are focused on delivering quality benefits and services to our members, monitoring and engaging in public policy dialog with local and state policy makers, maintaining fiscal responsibility and enhancing business and affiliated alliances - all in keeping with OSCAR’s 2010-2012 strategy plan. It looks like we will be finishing out this year strong and enthusiastic about our future! ■ “We encourage our community to get involved within the efforts of HouseLogic’s Operation Home Relief. Efforts will help our military families keep their homeownership, participating in this effort doesn’t require much work, just a click of a button,” says OSCAR Association Executive, Carol Platt. HouseLogic’s Foreclosure Guide highlights personal stories and offers information and tips to help homeowners facing foreclosure make smart, proactive decisions about what steps to take, where to find help and the alternatives to foreclosure. The guide also includes ideas for how others can get involved to combat foreclosures in their community. For more information on sustaining homeownership, and many other housing topics, visit HouseLogic at www. The mission of the Osceola County Association of REALTORS® is to provide a dedicated success to its membership consisting of real estate professionals and affiliates, while adding value to the community. ■

What’s In A Name? Your URL Means Business! by Kemp Howland, GRI, SFR OSCAR Technology Committee First, a definition: A URL is a name. It identifies something or someone. The initials stand for “uniform resource locator”. This is how we identify ourselves and our businesses on the internet. Our URL is our internet name. By definition, a URL describes a location and means for obtaining a resource. Example: The first part tells who you are. The second part (the top-level domain) gives a clue about the type of work you do. A “.org” is usually a not-for-profit. A “.edu” is usually a school or university. A “.com” is probably a commercial venture. You can tell a lot about someone by looking at their URL. What does a name really mean? Let’s set the way-back machine (our time-traveling capsule) to the 15th century. Back then, if your name was Jack, and you were a blacksmith, you would probably be recorded in the local census as “Jack Smith”. If you were Steve, and you made wheels for wagons, your occupation was known as a wheelwright, so you would be known as Steve Wright. Sometimes, especially if you weren’t a skilled craftsman, you would be identified by where you lived, or spent most of your time. A guy named William who lived in the hills, would be called William Highland (get it? Highland = hill.) My own name, which is Kempton Sherman Howland, says a lot. If we were still back there in the 17th century, and I introduced myself, you would know right away that I was from Kemptoncroft (a sleepy little village in the south of England, with a fence or “croft” around it), and you would know that my family raised sheep (the name Sherman comes from “shear man” – the guy who shears sheep for their wool) and I must have come down from the mountains, because my last name (Howland) is a Teutonic mutation of the word Highland, or, from the hills. Apparently I would have been known as a hillbilly sheep farmer from a tiny fenced or walled village in southern England. That’s a comforting thought. Other cultures’ naming conventions are similar, if a bit less descriptive. If you met a woman from Russia whose name was Anna Simonova, you would know right away that her father’s name was Simon. This would be handy if you wished to marry her, as you would know where to deliver the dowry of three goats and 50 kilos of potatoes. In Scandinavia, you might meet a lawyer named Lars

Andersen. Chances are that, years ago, one of his ancestors was somebody named Anders, and Lars was descended from Anders’ son, or Andersen. (In Scandinavia “son” and “sen” are apparently interchangeable.) Simple, no? And Lars could have named his son Lars Larson. However, it could get complicated very quickly! Your URL is your internet name The point is, names mean something. Names tell others something about who we are and what we do. Naming yourself or your business on the internet is no different. Can you tell what these companies offer by looking at the URL?



If you have an opportunity to be distinctive and descriptive, why not do it? Does it make sense to spend millions of dollars to get users to understand what “BING.COM” does? That’s what Microsoft had to do. Why not just call it “”? OK, that might be too simplistic, but you get the idea. When you name yourself for the entire world to see, do you want to be known as, or Maryanne@ How about or joe@ Do you think it might drive more customers to your door if you were known for what you do? New Opportunities Arise Almost Every Day Today we have opportunities to take advantage of a marketing solution that did not even exist twenty years ago. Some of us do a better job than others. Some of understand how it works, while others are still learning. When your association identifies an opportunity for its members, it makes sense to pay attention. In the coming months, there will be fantastic opportunities for us, as Realtors®, to take advantage of URL naming that has not been available until now. Watch your association’s e-Blasts for information on how you may benefit from a new set of top-level domains (, .net, .edu, etc.) that will soon be available. Here’s the real argument for capturing as many URL’s as you can which could be beneficial to your business: If you

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don’t grab your URL, someone else can (and probably will!) If you haven’t thought up a creative way to enhance your brand through the use of a URL, get to work on it today. If you have one or more URL’s that you currently own, protect them by extending the subscriptions. And make sure, when you hear that a new top-level domain is available, to get your brand in line with it quickly, before someone else grabs it. You simply must protect your brand. This is good advice for anyone who uses the internet to market their business. Our association must follow its own advice. If a new top-level domain becomes available, it is imperative that OSCAR identify itself through the new domain, if only to supplement the existing URLs. It’s not so much the great benefit we might derive from a URL

such as “”. It’s the damage which would inevitably occur if some other, less principled organization made it theirs. It’s time we all took a critical look at how we present ourselves to the on-line world. Capture as many URL’s as you can to protect your brand and encourage customers to use your services. Protect your URL, your top-level domain, and your overall branding strategy. And insist that your association does the same. ■ Kemp Howland is a career-long member of OSCAR. His company, Howland International, helps real estate professionals understand and implement web-based video and audio technology.

REALTORS® Federal Credit Union Realtors Federal Credit Union New Director of Industry Relations

accessible financial services to REALTORS®. It’s a significant benefit that caters to every NAR member in a unique way. I’m ready to help spread that message among REALTORS®.”

by Bob Goldberg, Senior Vice President, Marketing, Business Development, Commercial Services and Business Specialties Group

REALTORS® Federal Credit Union was formed in 2008 and currently has over $80 Million in assets. Below you will find the specifics of what the addition of Benny to REALTORS® Federal Credit Union.

The NATIONAL ASSOCIATION OF REALTORS® is pleased to announce that industry veteran Benny McMahan, a REALTOR® and former President and CEO of the Texas Association of REALTORS®, has joined REALTORS® Federal Credit Union (REALTORS® FCU) as the Director of Industry Relations. In this newly formed position, McMahan will work directly with local and state REALTOR® Associations, as well as brokers, to help them communicate and promote the benefits of the REALTORS® FCU to members. The addition of Benny in this relationship role marks an ongoing commitment on behalf of both the NATIONAL ASSOCIATION OF REALTORS® and REALTORS® Federal Credit Union to serve NAR members by providing innovative, secure and responsible financial services to REALTORS®. An industry leader who has worked in the real estate business since 1961, McMahan has dedicated his efforts to REALTORS® throughout Texas, as well as on a national level with his involvement in NAR. He will draw on extensive experience as an Association Executive for 28 years and his solid relationships with Associations, brokers and members across the country to help spread the word about REALTORS® Federal Credit Union and its numerous benefits of membership. “I am extremely excited to take on this new opportunity,” said McMahan. “REALTORS® FCU delivers convenient,

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What this will mean to Associations, Brokers and Members: ➢ A trusted industry veteran who understands the unique needs of Associations and members. ➢ A direct contact for Associations and brokerages with any questions about credit union offers and benefits. ➢ An Association voice in the development of future credit union products and services. NAR CONTACT INFORMATION: Bob Goldberg Senior Vice President, Marketing, Business Development, Commercial Services and Business Specialties Group 312-329-8269 REALTORS® FEDERAL CREDIT UNION CONTACT INFORMATION: Jane Pannier President & CEO REALTORS® Federal Credit Union 301.355.7548

A Nichol’s Worth of Information by Nick Nichols

Two great lumberjacks (tree cutters) were in a contest to make a great amount of money. The rules were very simple: 1 - Each lumberjacks was allowed only one saw. 2 - All trees to be cut down are marked and these are the only trees that are counted. 3 - The lumberjacks who cuts down the most trees within one hour will be the winner. 4 - The lumberjacks were identified by being named A and B. After the first 15 minutes the score was A-11…B-10 After the next 15 minutes the score was A-19…B-18 After the next 15 minutes the score was A-26…B-27 After the next 15 minutes the score was A-32…B-36 AND THE BIG MONEY WINNER WAS B! WHY?

In order to share the wealth of information contained in this newsletter in an efficient manner, please submit your articles via e-mail or fax by the 10th of the monthly. Please clearly indicate that submission is for the Osceola ReVIEW. Articles: Advertising: For advertising inquiries please contact Bob St. Gordon at the Association Office. Your advertising defrays the cost of publishing. Thank you for your support.

Because the winner stopped and “sharpened his saw” after each 15 minutes! Yes, it took B time to sharpen his saw, but at the same time, A’s saw was getting more dull each 15 minutes! A was cutting down fewer and fewer trees while B was sharpening his saw and steadily increased the winning number of trees cut down! This is a very old proverb (example: “A little knowledge is a dangerous thing”) that compares the lumberjacks to a hard working REALTOR®. The reasoning was that we must all STOP and learn how to list and sell real estate and be the WINNER in our contest! ■


The Osceola ReVIEW is published exclusively for the Association by The Baker Press Orlando, Florida tel 407.290.5800 • fax 407.290.5977 Disclaimer: The Osceola ReVIEW is published for the member and affiliates of Osceola County Association of REALTORS®, Inc. by The Baker Press, Inc. as a courtesy. The Baker Press, Inc. nor the Association assume any responsibility for article content or advertising message as submitted for inclusion in the newsletter. Advertising and articles are not endorsed by the Association, nor is there any implied warranty by the Association or its staff.

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Dear Oscar; I have been working another job other than my Realtor job and kept my license active. Now I have decided to work full time in the real estate business. It has been quite awhile since I was listing and selling real estate. I know that I am far behind about what is going on and what I now need to learn, I figured if anybody would answer me right it would be you. Thanks, Sometime Sam Dear Sometime’ You was always a smart student when we were in school together....I did not like you always being first in the class and me way behind you. Just kidding. Sam. You are correct on learning what is happening in the real estate business! Things have changed dramatically in the last few years and you need to catch up with the market to be able to compete with those who have kept up and learned. KNOWLEDGE IS POWER! There are many ways to learn in todays computer society! The following is a good start, plus you also should become familiar with as well as come to the education meeting every Tuesday morning at 8:30 to 9:30 a.m. and take every free educational class that OSCAR offers. Always your friend, OSCAR

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Just a few of the information sites that we all should be checking/reading/learning about every day: cfm Legal-Hotline.cfm Save time: Ask a question online Legal questions may now be emailed to the Legal Hotline. Members will receive a live callback from a Legal Hotline attorney. Q: I’m a new REALTOR®, and I’m guessing that my questions are asked frequently. Is there another option for me instead of calling the Legal Hotline? A: Yes. Check out these legal FAQs in the “Ask an Attorney” section of Legal Hotline attorneys have compiled more than 100 questions and answers in these categories: • Commissions • Escrow • Advertising • Fair Housing • Complaints • Broker Business • Condominium • Federal Law • Brokerage Disclosure • Landlord/Tenant • Contracts • Code of Ethics • License Law • Disclosure • Commercial Lien If you need ANY technical help, do not hesitate to call the Florida Tech Help line at 407-587-1450. They are great!

Thank you to all the AďŹƒliate Participants!

President Veronica Malolos, President-Elect Tim Weisheyer, and AE Carol Platt congratulated Affiliate Committee Chair Tina Johnson and Co-Chair Kristy Bolin for a job well done!

Amerispec Home Inspection Services

MortgageOne Financial Services Stewart Approved Title

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Servpro of Osceola County

Dennis Murtiff winner of a door prize sponsored by Coco Johnston.

Gladys Thayer winner of a door prize sponsored by Vickie Deaton and winner of free 2011 OSCAR dues!

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Prominent Title Insurance Agency, Inc.

Licensure requirement for short sale negotiations Since the passage of6%ZKLFKLPSOHPHQWVIHGHUDOUHTXLUHPHQWVRIThe Secure and Fair Enforcementfor Mortgage Licensing Act of 2008, many have asked if a real estate sales associate or broker may negotiatea short sale for a fee without having to be licensed as a mortgage broker through the Office of Financial Regulation under Ch. 494, F.S. Following are general guidelines: May a real estate licensee negotiate a short sale? On July 31, 2009, Gregg Morton, Chief Counsel for the Office of Financial Regulation, issued an opinion regarding whether a real estate licensee who is engaged in short sale transactions must comply with section 494.00296, F.S. Morton assumed the following facts: A real estate licensee is asked by a client to list a house for sale. The licensee ascertains that the fair market value of the house is less than the amount owed. The licensee enters into dialogue with the client’s lender to see if a short sale is acceptable. The only remuneration sought by the licensee is a commission on the sale. No additional fees are sought by the real estate licensee for the negotiation or dialogue with the lender. May a real estate licensee receive an upfront fee for the negotiation of the short sale? Morton stated that he is assuming the licensee is not paid upfront and does not receive an advance fee, and that the commission would not be set higher or be split more favorably with another real estate licensee based on the additional work involved in negotiating with the mortgage holder. Morton added that as long as the only remuneration sought is the commission for the sale of the property and no other fees are collected for the dialogue with the lender, the activity mentioned would not fall under the section 494.00296, F.S. Note this is the opinion of Morton, chief counsel, and not the opinion of the Office of Financial Regulation as a regulatory body. Do I need a mortgage broker’s license to continue to list and sell short sales? No. If you enter into a dialogue with the lender to see if a short sale is acceptable, and if you do not charge an additional or upfront fee or increased commission for such a dialogue, you would not be required to get a mortgage broker license, according to Morton. Read his letter here. I have created a separate company which charges additional fees for the negotiation of short sales. There is so much additional work with these transactions. Why am I unable to charge for it? If you act outside of the parameters described above (i.e., charge an upfront fee, additional fee or additional commission; create a separate company to negotiate short sales; give advice on deficiency or tax liability; or give advice on the best solution for a distressed owner of property) you could be engaging in mortgage brokering services or tax consulting services without having a valid license, or you may be engaging in unauthorized practice of law. This publication is provided as a service to members of the Florida Realtors and is intended for educational use only. Opinions or suggestions in this publication do not necessarily represent the official policies or positions of Florida Realtors. Florida Realtors does not accept responsibility for any misinterpretation or misapplication by the reader of the information contained in this article. The publishing of this material does not constitute the practice of law nor does it attempt to provide legal advice concerning any specific factual situation. FOR ADVICE ON SPECIFIC LEGAL PROBLEMS CONSULT LEGAL COUNSEL.

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Best Practices Good Advice The Dos and Don’ts of Online Advertising The role of trademarks and domain names is an important one and the case discussed here is only one of many which have arisen involving major corporations. The issue is also of importance in the REALTOR® community as the expansion of real estate business onto the Internet continues to accelerate. It will be important for Association’s to monitor not only the use by members of the Association’s membership marks on the Internet but also their own to assure all such uses comply with the rules governing the use of the membership marks. There are no special rules which must be learned for the Internet, but members as licensees authorized to use the membership marks must abide by the rules on the Internet the same way they do in any other media. The Trademark Protection Program treats the Internet as just another of the ways by which members may promote their services and the properties they are offering for sale. As such the rules governing the use of the membership marks on the Internet, including as domain names, are the same ones governing all uses of the membership marks by members. Members must observe these rules in the same way the must abide by the NSI domain name rules (those rules can be found at The term REALTOR®, whether used on the Internet, as part of a domain name or in some other fashion must refer to a member or a member’s firm, may not used with descriptive words or phrases and should be separated from the member’s name or firm name. Thus uses such as, or are all incorrect. Uses such as or on the other hand would be examples of what could be done as a part of domain names. The membership marks, and particularly the REALTOR® block R logo should not be used as hypertext links at a web site as such uses can suggest an endorsement or recommendation of the linked site by your Association. The cost involved in correcting these types of misuses emphasizes the importance of communicating the rules and their application in cyberspace to members at the earliest possible time so that decisions related to domain names and designs for websites can include trademark considerations. As the rules themselves have not changed, members need only be reminded that the Web is not an unregulated wild west where anything goes, and the rules governing use of the membership marks do apply to uses on the Internet. Below are examples of proper ways in which a member can use the REALTOR marks in a domain name or email address:

As you know the terms REALTOR, REALTORS, and REALTOR-ASSOCIATE, as well as the REALTOR block “R” logo are federally registered collective membership marks. As

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such, these marks may only be used by members of the local Board and the National Association. Any unauthorized use is an infringement of the National Association’s legal right. Use by a nonmember is misleading and may be a violation of the real estate license laws of your state. Membership in the Board of REALTORS is entirely voluntary and while we sincerely hope you will rejoin the Board, we respect your right to choose not to do so at this time. However, at the same time, we must ask you to respect our rights in the marks we use to identify individuals as members. (This is the exact verbiage that came from NAR legal department concerning a former member) When surfing the Web for real estate homepages, it’s quite common to come across sites belonging to REALTORS®. If you are looking to add your own electronic presence on the Internet, it is easy to get caught up in designing your own web page and choosing a domain name which will capture the attention of surfers and make you easily identifiable. REALTORS® often want to use the REALTOR® marks as part of their domain name or address to distinguish themselves, but they must keep in mind that there are rules governing proper use of the REALTOR® marks that must be adhered to at all times regardless of the media used. These rules are found in the National Association’s Membership Marks Manual, a reference manual explaining proper use of the REALTOR® marks including examples of correct and incorrect uses. Here is a brief list of the principle rules affecting use of the REALTOR® marks in domain names: • The term REALTOR®, whether used as part of a domain name or in some other fashion must refer to a member or a member’s firm. • The term REALTOR® may not be used with descriptive words or phrases. For example,,, or are all incorrect. • For use as a domain name or e-mail address on the Internet the term REALTOR does not need to be separated from the member’s name or firm name with punctuation. For example, both and would be correct uses of the term as a part of domain names and jdoe® and jdoerealtors@ are both correct uses of the term as part of an e-mail address. • The REALTOR® block R logo should not be used as hypertext links at a web site as such uses can suggest an endorsement or recommendation of the linked site by your Association. The only exception would be to establish a link to the National Association’s web site, The public has adopted the use of all lower case letters when writing domain names, even those containing trademarks. Therefore, for purposes of domain names and internet addresses only, there is an exception to the rule on capitalization of the term REALTOR and it may appear in lower case letters. Whether you use traditional print media or the Internet, it is essential to use the REALTOR® marks in accordance with the rules and guidelines of the National Association. The REALTOR® marks should only be used to denote membership in the NATIONAL ASSOCIATION OF REALTORS®. ■

Cell Phone Etiquette Are You a Cell Phone Sinner? Mobile Mistakes Could Wreck Your Career In spite of their convenience and necessity, cell phones are now another means whereby we can irritate our fellow man. Theaters, restaurants, trains, even public restrooms, are no longer safe from the possibility of an untimely call. Two weeks ago I even heard someone having a cell conversation in a toilet stall. At that moment I knew that if ever there was a reason for voicemail I had found it. Somehow cell phone ownership seems to affect common sense. And on a more serious note, poor cell phone etiquette can ruin a career. Are you committing any of the following sins? SIN 1: Annoying or Cutesy Rings The cha-cha, the latest pop single, your lover’s voice-I don’t want to hear any of these, and neither does anyone else. Have mercy on the general public when picking a cell phone ring. Your latest Romeo saying, “Ooh, baby, baby” may be funny to your friends, but it’s a credibility wrecker at the office. Believe it or not, that actually happened to a friend of mine. She went to a business meeting and forgot to turn off her ringer. Midway through the meeting, her purse started talking. She had a fancy ring that was a recording of his voice telling her how beautiful she was. Thank goodness he didn’t use her name, so like everyone else, she pretended she didn’t know the source of the mysterious voice. SIN 2: Holding Court “We just landed, and I’m waiting to get off the plane.” I must hear that from at least four or five people every time I take a Flight. In the midst of all the benign information that follows, what these rude cell phone users don’t say is, “There is a short, homicidal looking woman standing next to me. I can tell that she is getting ready to beat me senseless for talking loudly about nothing on my phone.” People, please: if there is nowhere for the rest of us to go, think about whether you really need to have that conversation. SIN 3: We Can Hear You For whatever reason, many people talk at top volume when they are on a cell phone. Microphones are sensitive. The person you are calling can hear you. We don’t need to. Enough said. SIN 4: Your Help Is Ruining My Conversation In the last few months; I have seen signs in fast-food restaurants and retail stores that say something to the effect: “We will gladly help you when you are done with your cell phone call.” It doesn’t surprise me. Many times I have watched people talk on phones while in line (see Sin 2) and then not even address or acknowledge the employees whose assistance they need. Simple courtesy will go a long way toward getting you on your way. SIN 5: Taking a Call When in a Meeting As the old saying goes, just because something can be done doesn’t mean that it should be done. Whether you have called it

yourself or are merely attending at someone’s request, invitation, or order, a scheduled meeting is not the time for cell phone calls. The rings alone are intrusive; answering them is an even worse breach of etiquette. The message received by those at the meeting is that they are less important than the disembodied voice coming through the cell. Unless your intention is to make others feel insignificant (definitely not a cool move if your boss is waiting for you to get off the phone), then don’t answer, turn it off, and get it out of sight. SIN 6: Are You Talking to Me? With the invention of hand-free cell phones came the doubleedged sword of convenience and mistaken identity. Who among us has not been taken aback by the presence of another human trawling the aisles of Wal-Mart while actively engaged in what, on initial inspection, would seem to be an animated discussion with himself or herself? After giving this person, who is clearly having a psychotic episode, a wide berth, we realize there is actually a streamlined headset attached to the person’s skull yet well hidden underneath a hat. At the risk of being mistaken for a pop singer or air traffic controller who has wandered away from work, leave the headset in the car. SIN 7: Too Much Information Discussing anything of a private nature that others within earshot might be able to hear is unwise on a number of counts. Think about it: do you want your coworkers to know the results of your latest lab tests your doctor’s office has just called to share with you? or see your “dark side” when your contractor calls to tell you his work will take two months longer and $2,000 more than he had originally stated? or hear your travel agent has booked you on that cruise to Nassau for the same week you’d requested to have off for surgery you so desperately needed? Unless you want to raise a lot of questions and eyebrows, take calls from those who probably have unpleasant, upsetting, or incriminating information when you have total privacy. On a very serious note, too much information given over a cell phone while others are in your presence could cost you dearly. A friend recently shared with me his experience of standing behind a woman talking on her cell to a repairman who was coming to her home to do some work while she wasn’t going to be there. By the end of the call, my friend had learned the woman’s name, address, neighborhood (complete with directions on how to get there), and the location of the spare key she had left for the repairman to gain entry to her house. Had he been so inclined, he could have reached the woman’s place before the repairman and cleaned her out-or worse. Go forth, and sin no more. These tips just might save you your credibility, image, job, belongings-even your life.

November 2010

Listingbook Signs Deal with Osceola County Association of REALTORS® Listingbook® announced today that the Osceola County Association of REALTORS® will launch their clientservicing application as a member benefit to all of its agents in October, further strengthening Listingbook’s presence in Florida real estate. Listingbook is an online, agent-centric client-servicing system that fosters collaboration between the real estate agent and their clients. Included with the system are powerful communication tools and automatic updates making the real estate agent more productive and providing a higher level of service to their clients. Listingbook is currently being used by over 160,000 real estate agents and over 2.9 million of their clients in over 34 markets across the country. Agents benefit from providing their clients with the most updated and robust property information on the Web while fostering collaboration in an easy to use environment. It allows agents to manage clients and prospects with the patented Client Manager. Osceola County Association of REALTORS® brings its membership of over 1,800 members and real estate professionals to the Listingbook community, along with their clients and prospects. “Our mission is to provide an environment that promotes and encourages the success of our members so we are very excited to introduce a system that meets those goals,” says Association Executive, Carol Platt. “Listingbook is a great efficiency tool. It will help our members to supply outstanding service to their clients and will improve their bottom line.” Listingbook is designed to complement any local REALTOR® MLS system, allowing access to MLS data only when an agent provides an account for a client or prospect. The agent is then able to provide reliable, personalized and current market information to their clients while monitoring their activity.

November 2010

“Listingbook helps agents to develop lasting relationships with the online client. They easily provide the most robust, current and complete information to their clients,” Carol Platt continued. “The best part is that the agent remains an integral part of the process and can monitor their clients’ online activity and see if their needs change.” Todd John, Chief Operating Officer at Listingbook, agrees that Osceola County Association of REALTORS® agents and their clients will immediately realize the power of Listingbook. “We give agents a channel to stay in constant communication with their clients and prospects during the sales process,” John said. “Agents give their clients’ freedom to search while they monitor their activity. We are thrilled to be part of the Osceola County Association of REALTORS® Inc. benefits that their members can utilize.” About Listingbook Listingbook® LLC, based in Greensboro, N.C., is an online service that connects real estate agents and their clients through an integrated platform of client management, sales productivity and direct marketing tools. Listingbook has qualified users who gain access only through their licensed real estate agent. Listingbook is the first-ever web based community of qualified buyers and sellers, brokers and agents and home service professionals. Designed to complement MLS systems, Listingbook automates, tracks and analyzes client activities in an agent-managed, realtime environment that facilitates efficient collaboration and communication between agents and clients, making buying or selling a home easier and more enjoyable. Additionally, the system provides brokers and agents with important data on client activity and the ability to turbocharge listing promotions in a highly targeted manner. The company was founded in 1999 and has agreements in place throughout the Continental US. For more information about Listingbook, call 336-722-3456 or visit


November 2010


November 2010

ADVERTISING/PUBLICATIONS Osceola News Gazette Paula Stark 108 Church St., Kissimmee, FL 34741 Office 407-846-7600 Fax 407-846-8S16 Email Website

Keating Schlitt, PA

MortgageOne Financial Services

Nancy Campiglia 250 E. Colonial Dr., Orlando, FL 32024 Office 407-425-2907 Fax 407-425.6345 Email Website

John Smoley 1637 E. Vine St., Ste D, Kissimmee, FL 34744 Office 407-870-9090 Fax 407-870-2809 Email Website


MortgageOne Financial Services

A Better Choice Pools

Pamela Cameron 4501 Hills & Dales Rd. NW, Canton, OH 44708 Office 813-681-5117 Fax 813-661-9036 E-mail Website

Michael Evans 3213 13th Street, Saint Cloud, FL 34769 Office 407-414-7379 Fax 407-870-9978 Email Website

Orlando Sentinel

Frank’s Air Conditioning Inc.

Laura Kohler 633 North Orange Ave., Orlando, FL 32803 Office 407-420-6126 Fax 407-420-5201 Email Website

Dean Bullock 800 Armstrong Blvd., Kissimmee, FL 34741 Office 407-870-7755 Fax 407-846-1312 Email Website

The Real Estate Book


Tommy Birchler 2305 NewPoint Parkway, Lawrenceville, GA 30043 Office 407-702-4761 Fax 407-581-1491 Email Website

The Real Estate Book Doreen McGauvran 2305 NewPoint Parkway, Lawrenceville, GA 30043 Office 407-310-7443 Fax 407-581-1491 Email Website

Hanson, Walter & Associates, Inc. Diane Salisbury 400 Emmett St., Kissimmee, FL 34741 Office 407-847-9433 Fax 407-847-2499 Email

ENTERTAINMENT SERVICES Elegant Entertainment DJ Services


Joe Marolis 7812 Fern Leaf Drive, Orlando, FL 32836 Office 407-414-6239 Email Website

Charles P. Castellon, PA Law Firm


Charles Castellon 12934 Deertrace Ave., Suite A, Orlando, FL 32837 Office 407-851-0201 Fax 407-847-5618 Email

Law Office of Daniel Villazon Daniel Villazon, P.A. 1420 Celebration Blvd., # 200, Celebration, FL 34747 Office 407-483-0041 Email Website

Equilliance Mortgage Nancy Knapp 4417 13th Street, Suite 101, Saint Cloud, FL 34769 Office 321-624-1560 Fax 407-957-6892 Email

Farm Credit Regina Thomas P.O. Box 8009, Lakeland, FL 33802 Office 863-682-4117 Fax 863-688-9364 Email Website

Graham Aistrop 1637 E. Vine St., Ste D, Kissimmee, FL 34744 Office 407-870-9090 Fax 407-870-2809 Email Website

Qubty Financial Group Sami D. Qubty 7680 Universal Blvd., Suite 405, Orlando, FL 32819 Office 407-370-3030 Fax 407-370-2040 Email Website

Qubty Financial Group David Qubty 7680 Universal Blvd., Suite 405, Orlando, FL 32819 Office 407-370-3030 Fax 407-370-2040 Email Website

Trustco Bank Sarah Near 1525 East Osceola Parkway, Kissimmee, FL 34746 Office 407-932-0398 Fax 407-932-0719 Email Website

HOME BUILDERS/DEVELOPERS DR Horton, Inc. Nelson Gorcia 2520 T.G. Lee Boulevard, Orlando, FL 32824 Office 407-556-2100 Fax 407-556-2106 Email Website

ICI Homes Allison Pope 3400 W. Osceola Parkway, Kissimmee, FL 34741 Office 321-219-0304 Fax 407-943-1904 Email Website

November 2010

KB Home Elle Voorhees 9102 South Park Center Loop, #100, Orlando, FL 32819 Office 407-587-3403 Fax 407-587-2386 Email Website

Maronda Homes Olga Ortego 955 Keller Rd., #1500, Altamonte Springs, FL 32714 Office 407-846-4397 Fax 407-846-4398 Email Website

Maronda Homes Inc of Florida Jordon Keathley 955 Keller Rd., #1500, Altamonte Springs, FL 32714 Office 407-475-9112 Fax 407-475-9115 Email Website

Standard Pacific Homes Hilton Ayala 200 S. Orange Avenue, Suite 124, Orlando, FL 32801 Office 407-304-2803 Fax 407-304-2835 Email Website

Standard Pacific Homes Jesus Alvarez 200 S. Orange Avenue, Suite 124, Orlando, FL 32801 Office 407-304-2803 Fax 407-304-2835 Email Website

HOME WARRANTY 2-10 Home Buyers Warranty Tony Fletcher P.O. Box 701857, Saint Cloud, FL 34770 Office 321-437-8765 Email Website

Globe Home Warranty Company Alex Peyton P.O. Box 620395, Orlando, FL 32862 Office 800-842-2177 Fax 800-597-3630 Email Website



Amerispec Home Inspection Services

A-1 Team Title, LLC

Mike Woodard P.O. Box 233, Eagle Lake, FL 33839 Office 863-401-3692 Fax 863-294-7773 Email

Bernard S. Edwards 102 Park Place Blvd., Kissimmee, FL 34743 Office 407-932-0529 Fax 407-932-1587 Email Website

Budget Services, Inc. Ed Hogan 3617 Crosley Ave., Saint Claud, FL 34772 Office 407-892-8811 Fax 407-892-8516 Email Website

Chief lnspection Services, Inc.

Kathy Cape 22 W. Monument Ave., Kissimmee, FL 34741 Office 407-738-8852 Fax 407-641-9731 Email Website

Jeff Clair P.O. Bcx 700937, Saint Cloud, FL 34770 Office 407-383-7241 Fax 407-891-7410 Email Website

Allstate Insurance

Envirotect Building & Termite

Final Negotiation, LLC

Steve Rohal P.O. Box 450206, Kissimmee, FL 34746 Office 407-460-4450 Email

Rhonda Owen 1201 Emmett Street, Kissimmee, FL 34741 Office 407-846-0978 Fax 407-846-6573 E-mail Website

Wind Mitigation Inspections Randy Cooper 5 Wisconsin Ave., Saint Cloud, FL 34769 Office 407-892-9661 Fax 407-892-9661 Email

REAL ESTATE SCHOOLS/EDUCATION Giumenta School of Real Estate Ric Giumenta 4871 NW Palm Coost Pkwy #2, Palm Coast, FL 32137 Office 386-246-3131 Fax 386-246-3162 Email

IFREC Real Estate Schools Robin Pickell 5029 Edgewater Dr., Orlando, FL 32810 Office 407-644-7277 Fax 407-647-5227 Email Website

MCT Real Estate & Mortgage School Maria ThurdeKoos 4301 Vineland Road, Suite E6, Orlando, FL 32811 Office 407-236-0120 Email Website

November 2010

Accu Title Agency

Kristy Bolin 2785 Wrights Rd., Suite 1113, Oviedo, FL 32765 Office 407-657-5867 Fax 407-657-5961 Email

First American Title Cara Brown 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Office 321-624-4212 Fax 866-621-6816 Email Website

First American Title Paul Peterzell 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Office 407-273-1955 Fax 866-621-6816 Email Website

Health Insurance Store Wes Fischer 1007 E. Vine Street, Kissimmee, FL 34744 Office 407-932-0023 Fax 407-932-0068 Email Website

My Florida Regional MLS Introduces Scout for SafeMLS A few weeks ago MFRMLS announced plans to implement a security initiative designed to provide optimum protection for valuable MLS and customer data by preventing unauthorized access and account sharing. This ensures valuable data doesn’t end up compromised and assures that everyone using the MLS is participating in the cost of providing the service. This new security initiative will begin on September 8, 2010. In order to prepare for this change, we wanted to inform you of several important items to note: (1) Passwords will need to be between 6-12 characters in length, passwords are NOT case sensitive and may contain letters and/ or numbers. If you need to update your password to conform to the new policy please contact MFR at 800-686-7451. (2) There will be a brand new login screen which will require

Mason Title & Escrow Shelly Kiker 1101 Miranda Lane, Suite 122, Kissimmee, FL 34741 Office 321-443-6901 Email Website

Osceola Title Insurance Agency Marianne Conerly 109 North Beaumont Ave., Kissimmee, FL 34741 Office 407-847-4077 Fax 407-847-4393 Email

Premiere Title Agency, LLC Vickie Deaton 113 E. Monument Ave., Kissimmee, FL 34741 Office 407- 350-4401 Fax 407- 350-4414 Email

Prominent Title Insurance Agency Betty M. Dobbie 827 Cypress Parkway, Kissimmee, FL 34759 Office 407-343-1560 Fax 407-343-1561 Email Website

Real Estate Closing Solutions Heidi Foster 7575 Dr. Phillips Blvd., Suite 140, Orlando, FL 32819 Office 407-615-8550 Fax 407-615-8555 Email Website

your computer have the latest version of Adobe Flash installed. To ensure you have the latest version of Flash installed, visit (3) You will no longer be able to save your login ID or password, as this technology involves keystroke recognition and will require you to type your user ID and password with each login. Additionally, if you make a mistake while typing your user ID or password and hit the backspace key, the field will reset and you will need to re-enter the information. (4) If you access MLXchange on a computer that is used by other MFRMLS members, you will need to close Internet Explorer after logging out of MLXchange before a different user will be able to login; this is a critical step and will ensure that the next member will be able to login successfully. Please keep your eye out for more information as we get closer to the launch of this exciting new security initiative. As always, please feel free to contact the MFRMLS help desk at 1-800-686-7451, Monday - Friday 7:30 am-8:00 pm and Saturday - Sunday 8:00 am-6:00 pm. â–

Southeast Professional Title, Inc. Yaritza Logrono 2699 Lee Rd., Suite 120, Winter Park, FL 32789 Office 407-539-0781 Fax 407-537-3416 Email Website

Stewart Approved Title, Inc. Becky Sheive 1201 Emmett St., Kissimmee, FL 34741 Office 407-846-7477 Fax 407-846-6573 Email Website www.stewart.eam

Stewart Approved Title, Inc. Jolene Sheive 1201 Emmett St. Kissimmee, FL 34741 Office 407-846-7477 Fax 407-846-6573 Email Website

Stewart Approved Title, Inc. Rayelynne Woeste 1401 Budinger Ave., Saint Cloud, FL 34769 Office 407-957 -9000 Fax 407-957-8055 Email Website

Stewart Approved Title, Inc. Tina Johnson 8 Broadway St., Suite 225, Kissimmee, FL 34741 Office 407-847-0412 Fax 407-847-0429 Email Website

SOLAR ENERGY Allsolar Service Company, Inc. David Bessette 1507 Damon Ave., Kissimmee, FL 34744 Office 407-846-7830 Fax 407-847-5013 Email Website

STATIONERY/PRINTING St. Cloud Stationers Bill Coughtry 423 13th Street, Saint Cloud, FL 34769 Office 407-892-1319 Fax 407-891-0695 Email Website

WEB DESIGN & MARKETING Howland International, Inc. Kemp Howland 355 Falling Waters Drive, Kissimmee, FL 34759 Office 407-222-4847 Email Website

November 2010

Election Day Public Policy 3:00 pm - 4:00 pm OSCAR Toastmasters Club 5:30 pm - 6:30 pm

Daylight Savings Ends

OSCAR Toastmasters Club 5:30 pm - 6:30 pm

Affiliates Council Meeting 9:45 am - 10:45 am

MLS Marketing Meeting 8:30 am - 9:30 am

Entering & Updating Listings in MLXchange 1:00 pm - 3:00 pm

Behind the Scenes Tour of Osceola School District 9:00 am - 2:00 pm New Member Welcome 9:00 am - 12:00 pm

OSCAR Toastmasters Club 5:30 pm - 6:30 pm

November 2010

MLS Marketing Meeting 8:30 am - 9:30 am

MLXChange Basic 9:00 am - 12:00 pm

MLS Marketing Meeting 8:30 am - 9:30 am

Design Web Pages and Capture Leads 9:00 am - 12:00 pm

Property Management Council 9:45 am - 10:45 am

Creating a Professional CMA 1:00 pm - 4:00 pm

OSCAR Toastmasters Club 5:30 pm - 6:30 pm

MLS Marketing Meeting 8:30 am - 9:30 am

OSCAR Toastmasters Club 5:30 pm - 6:30 pm

MLS Marketing Meeting 8:30 am - 9:30 am

Veteran’s V Day Preparing a Listing Contract 9:00 am - 1:00 pm

WCR Meeting 9:00 am - 11:00 am

Negotiating Skills for the Real Estate Practitioner 9:00 am - 1:00 pm

MFRMLS BOD Meeting 8:00 am - 12:00 pm

Thanksgiving Day

Executive Committee Meeting 8:00 am - 9:00 am


BOD Meeting 9:00 am - 10:30 am



2 Generational Financing 9:00 am - 1:00 pm



MLS Marketing Meeting 8:30 am - 9:30 am

OSCAR Toastmasters Club 5:30 pm - 6:30 pm

Annual Membership 10:00 am - 11:00 am


13 OSCAR Toastmasters Club 5:30 pm - 6:30 pm


December 2010


Public Policy 3:00 pm - 4:00 pm

20 OSCAR Toastmasters Club 5:30 pm - 6:30 pm


27 OSCAR Toastmasters Club 5:30 pm - 6:30 pm

November 2010


8 New Member Welcome 9:00 am - 12:00 pm





EPRO Presentation 10:00 am - 11:30 am

9 Types of Loans and How They Perform for the Buyer 9:00 am - 1:00 pm

WCR Meeting 9:00 am - 11:00 am

WCR Installation Banquet









MLS Marketing Meeting 8:30 am - 9:30 am



MLS Marketing Meeting 8:30 am - 9:30 am

28 MLS Marketing Meeting 8:30 am - 9:30 am


Executive Committee Meeting 8:00 am - 9:00 am BOD Meeting 9:00 am - 10:30 am



Christmas Day


NEW AFFILIATE OFFICES Accu Title Agency ........................................... Kathy Cape 22 W. Moument Ave, Kissimmee, FL 34741 Office: 407-738-8852 • Fax: 407-738-8852 • Email: Ardyss International ............................... Martha Elena Parra 2490 Quail Run Blvd, Kissimmee, FL 34744 Office: 407-279-0018 • Fax: 407-315-0015 • Email: Agent Trust Realty ........................................ Juan Paradas 13574 Village Drive, #130, Orlando, Fl 32837 Office: 407-251-0669 • Fax: 407-209-3882 Fifth Third Bank ......................................... Walter Alvarez 3801 Pleasant Hill Road, Kissimmee, FL 34746 Office: 321-697-5800 • Fax: 407-931-0112 • Email: Finest Insurance Agency LLC ............................Nick Nafpliotis 3207 13TH St, Saint Cloud, FL 34769 Office: 407-892-5000 • Fax: 407-892-5000 • Email: Standard Pacific Homes ................................... Hilton Ayala 200 S. Orange Avenue, Suite124, Orlando, FL 32801 Office: 407-304-2803 • Fax: 407-304-2835 • Email: Perfect Orlando Vacation Homes ..................... Steve Blakovich 8297 Championsgate Blvd, Ste 34, Davenport, FL 33896 Office: 877-248-5678 • Fax: 863-232-7130 • Email: Perfect Orlando Vacation Homes ..................... Steve Blakovich 8297 Championsgate Blvd, Ste 34, Davenport, FL 33896 Office: 877-248-5678 • Fax: 863-232-7130 • Email:

NEW REAL ESTATE OFFICES Global Realty Team, LLC ................................. Carlos Pizarro 1637 E. Vine Street, Kissimmee, FL 34744 Office: 407-433-6277 • Fax: 407-201-7906 • Email: M & G Business Group, Inc ............................Edgar Gurmeitte 12701 South John Young Pkwy, Orlando, FL 32837 Office: 407-715-5403 • Fax: 407-506-0710 • Email: Magic Homes Realty, LLC ..............................Yolanda M. Diaz 2847 O’Connell Road, Kissimmee, FL 34741 Office: 407-436-4176 • Fax: 407-847-6863 • Email: Magic Realty, Inc.................................... Michael Martin P.A. 1009 East Lakeshore Blvd, Kissimmee, FL 34744 Office: 407-588-7177 • Fax: 407-350-4033 • Email: Matrix International Realty ............................Richard Rodney 2060 Imperial Eagle Place, Kissimmee, FL 34746 Office: 954-260-0676 • Fax: 866-600-4587 • Email: New Homes Realty Group LLC ......................Washington Rojas P.O. Box 700922, Saint Cloud, FL 34770 Office: 407-486-4555 • Email:

Ramver Investment Realty, Inc........................ Estela A. Ramos 2400 Hindale Drive, Kissimmee, FL 34741 Office: 407-334-2082 • Fax: 407-201-4201 • Email: Robles Realty International, LLC ......................Bernardo Robles 714 N. John Young Pkwy, Kissimmee, FL 34741 Office: 321-437-9939 • Fax: 321-766-600 • Email: Sonarvi, LLC ............................................ Luanmarit Danos 1101 Miranada Lane, Kissimmee, FL 34741 Office: 800-231-7098 • Fax: 800-230-8426 • Email: The Florida Realty Shoppe, Inc .................... Michael Hubschman 653 Highgate Park Blvd, Homeland, FL 33847 Office: 863-419-4455 • Fax: 888-245-8690 • Email:

WELCOME NEW MEMBERS Annalisa Sookhoo ................................. Watson Realty Corp. Brandie Iovanna ........................................... Direct Sell, Inc. Carment Bryant...................... Weichert Realtors Hallmark Pro Cary N. Rodriguez ............... Robles Realty International, LLC. Daniel Soltren ....................................... Watson Realty Corp. David Acosta .................................. Florida Realty Results LLC Donald L. Burgett .......................................... Remax Pioneer Evelio A. Perez ..........................TLC Home Management, LLC Haike Knaus ..................................... Imagination Realty, Inc Jaime L. Monsalve ...................................Dinamic Realty, LLC James A. Williams lll ..................... REMAX Premier Properties James McCarthy ............................... Coldwell Banker Feltrim Jason S. Coulter .........................TLC Home Management, LLC John L. Reilly .................................. Celebration Rental Group John Smoley ................................. REMAX Premier Properties Joseph Duquette ................................ Coldwell Banker Feltrim Jualio A. Salgado .......... New World Realty & Investments LLC Juan C. Colon Costales ......Century 21 All Homes & Properties Juan Paradas ............................... P&S Property Financial, Inc Julie Kelly ............................Fedco Realty & Management LLC Kevin Mark Mc Intosh .....................Dale Sorensen Real Estate Krystal Alvarez ..............One Way Realty and Associates, Inc. Leonardo Cano .............................................. AB Realty, LLC Luis Ivan Alicea ....................... Coldwell Banker Ackley Realty Marie D. Kramer ......................Orlando Kissimmee Realty LLC Marissa E. Valle .................................... Watson Realty Corp. Maureen Mendez-Velazquez ............. Prudential Florida Realty Michael Hubschman ................. The Florida Realty Shoppe Inc Nydia E. Norman ...............................Bristol Real Estate, Inc. Paola C. Mora.........................................Dinamic Realty LLC Paul E. Thomas .......................... Celebration Executive Realty Rebecca Walters ............................. Hunters Creek Realty LLC Robert Gress ......................................... Pamela Coskey, LLC Sanjay Das .................................... Hunters Creek Realty LLC Sarai Hernandez Maldonado ............. Coldwell Banker Feltrim Suleiman Musallam ..................... Centurion Realty Group LLC Thuy B. Le ....................................Home Run Real Estate, Inc. Tohilmy Alvarez ............................ TIR Prime Properties Corp. Yanira Suarez ................ New World Realty & Investments LLC Zoraya Colon ....................Blue Water Realty Investments, LLC

November 2010

November ReView  

The latest ReView for OSCAR

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