The RACC Newsletter The REALTORS® Association of Citrus County, Inc. exists to inform, educate and uphold the high standards set forth in the REALTOR® Code of Ethics enhancing our members professionalism and image while fostering cooperation among our members and serving our communities. We provide education and leading-edge technology to better safeguard private property rights and promote equal housing opportunities R EA L T OR S ® A s so c ia t io n o f C it r u s C o u n t y , In c .
Inside this issue: Presidents Letter
Business Partner Showcase
Legal Q & A
Fines & Warnings
On the Move
So Much to be Thankful for…… I must start my last newsletter with a heartfelt thank you to all of you; the membership. It truly has been an honor to represent you this past year as your President. I can only hope that I have met all of your expectations. When I took office in January, I announced some specific goals for 2013, and I am very proud to say that we have accomplished each one and more. So I would like to take a few moments to look back and review all that we have accomplished. Goal 1: Was to be more transparent and share/communicate more to you; the members. I believe that this goal was fully accomplished with continued updates at the general membership meetings, full updates in the newsletter and finally member only portion of our website we added a section that stores all committee and Board of Directors meeting minutes. Goal 2: Grow membership participation, and you all have done that. We have seen an increase at every meeting. Thank you. Goal 3: Community outreach. Again, on every level we have accomplished this goal. We have increased our charity contributions with a great Habitat Golf tournament, our Business Partners Showcase with Blessings in a Back Pack, and the annual Relay For Life Cancer Walk, and most importantly all that you do individually. There is no greater volunteer than a Realtor®. I cannot help but think about some of the charities that I know you may be involved in like Attainable Housing, food pantries, the Mission, Salvation Army and most importantly our Vets. Goal 4: Starting an YPN Group within our association. I am proud to say that we are a chartered YPN Group with both the National Association of Realtors® and Florida Realtors®. Goal 5: Increase within RPAC; both in contributions and participation. This year I am proud to say that we not only bypassed our goal of 200% we ended the year at 223% of goal, and our participation also increased to 40%. Thank you
Volume X, Issue 12
Now in addition to the accomplishments of these goals, and with the support of you, the Brokers, and most importantly the Board of Directors we also were able to accomplish building maintenance to protect our investment like: freshly painting the interior of the building, putting new flooring in the classroom, and putting up a link fence around the left side of the building. We also invested in updating the remaining staff’s PC equipment. But some of our biggest accomplishments were the switching out of our Lock Boxes. This was not an easy task; however, with all of your support and the organization of the association staff everything was completed smoothly. With the new lockboxes, and the counties multi-sharing of data, you have more opportunity to sell in other counties without the need to find a lockbox key at the association. And finally the Board of Directors just completed the refinancing of our mortgage, and with this, it will provide a lower interest rate, shorter term and most importantly a $20,000.00 savings. Hats off to this great Leadership team! Looking to the future, I can only say that we are moving in the right direction, not only for the association, but for our own business. I know that next year’s Florida Realtor’s® President Sherri Meadows, has set the bar high and her main goal is to make you more productive and profitable. I share the same sentiments for you as well. I look forward to 2014 and what it will bring. And as I have always said if you can dream it and you believe then you can achieve it. I wish you all the best and thank you again, for your support. We could not have accomplished anything if we did not do this together as a TEAM! Thank you again for a great year and best wishes for the Holidays, and 2014. Best Cheryl 1
Business Partner Showcase A huge thank you to all the Business Partners that participated in the Annual Business Partner Showcase! This years theme was “The Story Begins…” and the Business Partners out did themselves with great booths, decorations and costumes! Congrats to Wollinka Wikle for winning the Best Booth and Beverly Yuelling who won the Nook.
AAA Roofing Lori Haussy Citrus County Chronicle - Trina Murphy Citrus Lending, Inc Megan Ennis Citrus Pest Management - Eric Swart Comfort Keepers Jennifer Duca Comprehensive Site Insp - Lawrence Losciale Deem Cabinets Inc Mike Deem Diversified Title Linda Cridland Doris M. Rodriguez P.A. - Doris Rodriguez First International Title - C. Brotnitsky - Curry
Herbert H Landy Insurance - Joseph Flynn Insight Credit Union Jim Ferrara Insurance Resources Melissa Seney John C Meyers, Sr Locksmith - Jacqui Watkins Photo 2 Glass Daniel Gaddi PNC Mortgage Dolly Mayes Suarez Home & Finance Chris Suarez Sun Trust Citrus Hills Susan Troy Suncoast Plumbing & Elec - Allisha Will Wollinka Wikle Title Kelley Paul
What a great Membership Meeting we had in 51 Realtors and 26 Business Partners and Guests were present for this information packed event. After President Cheryl Lambert called the meeting to order, Past President Sarah Spencer delivered the Invocation and Pledge of Allegiance. President Cheryl then took a few moments to introduce the Officers, Directors and Business Partners that were present before thanking Fero & Sons and ServPro for being the Business Partners of the Month. Next, President Elect Greg Younger inducted our new Realtors: Michelle Bush Trotter Realty Alyse Fitzpatrick Century 21 Nature Coast Tammy Fudge Charlotte G Realty Lars Langlo Century 21 Nature Coast Rebecca Paquin Charlotte G Realty Congratulations and welcome to RACC! After a delicious lunch catered by Oysters, Speakers Blair Wunderly, Plant Manager for Duke Energy and Phyllis Dixon, CR3 Decommissioning Support Manager addressed the crowd. Here are some highlights: Duke Energy has been in business for 114 years
1.7 million customers in Florida
4000+ employees in Florida
Feb. 5th the decision to decommission CR3 was announced
Feb. 20th, Duke filed a Cessation of Operations and Permanent Removal of Fuel from the Reactor Vessel letter to the Nuclear Regulatory Commission (NRC), starting the decommissioning the time clock. June 3rd, Implemented a Decommissioning Transition Organization to develop the scope, schedule and estimated cost of the decommissioning June- December~ focused on benchmarking other decommissioning plants, forming industry partnerships, developing internal project controls and procedures, submitting various documents to the NRC and taking care of the employees. Nuclear Safety is the main priority. Duke Energy maintains spent fuel, security plans and protective area around plant. Emergency plans are in place. Approximately 300 employees selected to remain on site to work. More than 200 have already redeployed to other positions within the company About 100 people have left the company and were offered severance benefits NRC allows three decommissioning options: 1. Immediate dismantlement of decontamination (DECON) 2. Safe Storage (SAFSTOR) 3. Entombment (ENTOMB)
Completed activities: August 26th~ Issued the containment stabilization contract Sept. 30th~ Submitted the Radiological Emergency Response (RERP) revision license amendment request (LAR) to the NRC Oct. 31st~ Submitted the Permanently Defueled Technical Specifications LAR to the NRC Next up: Submit post shut-down Decommissioning Activities Report (PSDAR) to NRC required by Feb. 2015, includes scope, schedule and detailed cost estimate of decommissioning activities. Prompts NRC public meeting 30-45 days following submission The NRC Requirement for the Nuclear Decommissioning Trust Fund is approximately $700 million. Fuel Storage Options Wet Storage: Keep fuel in spent fuel pool (this is what CR3 uses) Dry Storage: Construct an Independent Fuel Storage Installation (ISFSI) decision based on short and long term cost available of a federal repository, timing and funding mechanism.
Thank you Blair and Phyllis for providing us with such great information. Next on the agenda was the RPAC awards. Congrats to Donnie Bass and Debbie Rector for being award the RPAC Capital Club Plaques. We had a lot of lucky members walk away with door prizes too. Gail Hargreaves won the Floral Arrangement donated by Fero and Sons, Steve Varnadoe won a Free Carpet Cleaning and Mickey Cridland won a Carpet Spot Cleaner Kit both donated by ServPro. The beautiful floral centerpieces were awarded to 24 other members in attendance, while Isaac Baylon won $116 in the share n share drawing, RPAC will receive $117. Kathy Tolle was the lucky winner with a chance to draw for the Queen of Hearts. She did not win but will receive a free meal at the next membership meeting. The meeting was adjourned at 1pm.
November Membership meeting
Lars Langlo, Alyse Fitzpatrick, Tammy Fudge, Rebecca Fudge & Michelle Bush
Charlene Sestio - Fero & Sons
Cheryl Lambert with Kathy Tolle who did not draw Queen of Hearts
Blair Wunderlyâ€“ Duke Energy
Donnie Bass & Debbie Rector
Great Lunch By Oysters 4
Statesmenâ€™s Award ($500+) Margit Barth
Capital Club ($250+) Donnie Bass Debbie Rector
Linda Cridland Tami Mayer Debbie Scott Peggy Taylor Greg Younger
Sherri Parker Gene Wade
$99 Club Roy Bass Debi Beltz Mark Casper Brogan Cunningham Ali Endicott Melonie Haag Holly Jones James Ledsome Kelley Paul Myriam Reulen Jack Schofield Scott Stevens Rob Tessmer Jr Jacqui Watkins
Karen Baxley Gary Baxley Linda Bega Theresa Boozer David Bramblett Joe Cappuccill John Conroy Barry Cook Gail Cooper Karen Cunningham Sally Cure CJ Dixon Stephan Finegan Sarah Fitts Jason Gaffney Robin Hite Kathie Jarrett Nancy Jenks Bob Kane Marvia Korol Peter Korol Marco Macaisa John Maisel Dick Naylor Marilyn Pearson Adams Dennis Pilon Amanda Rowthorn Monica Saldarriaga Tasia Seijas Sarah Spencer Katie Spires Trista Stokes Deb Tannery Jane Tessmer Rob Tessmer Sr Susan Troy Jim Wade Ray Wernicke John Wheeler Nancy Wheeler 6
All other Donors Gary Altman Isaac Baylon Ryan Bishara Brenda Buta Karen Carnes Fred Clark Kevin Cunningham Jennifer Duca Cat Farrell Jack Fleming Susan Gatto Mary Gulling Jodie Holder Tonya Kramer Ron Lieberman Carl Manucci Ron McEvoy Becky Norman Becky Paradiso Anne Pope Jenice Reichenbach Melissa Seney Sharon Smith Sharner Stucky Lisa VanDeBoe LaWanda Watts Nancy Wilson
Bonita Amonte Gary Ayres Nancy Ayres Janet Bega-Cyr Wim Berndsen Laura Bickford Ben Branch Jerry Brinkman Vinny Brown Yolanda Canchola Natalia Carey Hazel Carlson Annette Carr Michelle Cavalieri Kathy Chapman Mickey Cridland Melissa Cridland-Bonnell Jackie Davis Kim DeVane Richie DeVita Donna Earling Sherry Edwards Megan Ennis Tracy Fero Jim Ferrara John Finley Todd Freeman Kim Fuller Sue Fullerton Jeyte Gilson Kelly Goddard Kimberly Godding Bob Hard Lori Haussey Bob Hedick Janice Holmes-Ray Tracy Kjos Allison Koster Lorelie LeBrun Rhonda Lestinsky Cindy Lewis Dennis Loger Marian Lubranecki Sharon Malm John Marqua Gwen Martone Dolly Mays CJ McNeil Karen Morton Dene Moyer Lorraine Oâ€™Regan Sherri Orendorf Teri Paduano Tony Pauelsen Mary Petrucci Candy Phillips Betty Powell Peggy Price Randy Rand Paula Sadler Martha Sather Tami Scott Charlene Sestito Pamela Shemet Belinda Singh Gailen Spinka Tomika Spires-Hanssen Nancy Stumpf Evenlyn Surrency Eric Swart Steve Varnadoe Tyler Vaughn MaryAnn Virgilio Ruth Wedeman Ed Weeks Dorothy Williams Todd Workman
Business Partner of the Month
2014 Leadership Event I thought I knew myself. Wouldn’t you think that by the time you are a “senior citizen” you’d pretty much know who you are? Well, those of us fortunate enough to be invited to President Elect Greg Younger’s Leadership event, Emergenetics, found out that perhaps we didn’t know ourselves as well as we thought, senior citizen or young whippersnapper. We learned that the brain is divided in to four quadrants; Analytical, Conceptual, Structural and Social. By completing a questionnaire previous to the event, the Emergenetics team, created a profile for each of us. It not only divided our personal brains in those 4 quadrants indicating how we presented ourselves to others, but also provided a colorful drawing showing our brain and how it is divided. Below is my brain….
The object is to teach us how to modify our behavior and/or presentation when dealing with another person with strengths in areas different from ours. For instance, as you can see, my strengths are in the social vain; chatty, outgoing with much less emphasis on analysis and structure. (I have an equally as strong conceptual quadrant. I had no idea that the big picture, which is the basis of conceptual, was important to me.) If my customer happened to be strong in the analytical area, my chattiness probably wouldn’t impress him, nor would the fact that I could care less about detail. I have two choices; channel my presentation towards more analysis and detail or turn him over to Peter. (Easy choice!) The program is not about changing who you are or pointing out weaknesses and not about good or bad. It is simply to be cognizant of that aforementioned brain and its colorful quadrants.
I think all of us, as Realtors® dealing with the public, instinctively zero in on personalities and proceed accordingly. However, to have it explained via the Emergentics way was extremely interesting and enlightening. Needless to say, we had a fantastic, fun-filled and at times hilarious day, while learning to understand ourselves and our fellow human beings a lot better. However, what happens during Emergenetics stays in Emergenetics!
Business Partner of the Month
Please remember: Sharing of Lockbox Keys is not allowed, it carries up to a $500 fine and loss of your Key privileges. You may share FOBS and ADAPTERS if showing property in other counties. 13
Helpful Hints for the SUPRA KEY Be sure to visit www.supraekey.com and register. There you will be able to put Lockboxes into your inventory and assign them a MLS #, this will not only help you keep track of Lockboxes, it will help agents showing your listings when they receive Feedback request. ActiveKey (White key you carry with you): The ActiveKey should be plugged into the wall every day or so to keep it charged. It is recommended you turn the Key on every day (even if you are not showing property), this will hopefully keep it from giving you an expired message when you are ready to use it. The cost to replace a lost ActiveKey is $250.00 EKey (Basic of Professional, on your smartphone): You must push up on the bottom of the lockbox to activate it before obtaining the key or releasing the shackle. It is recommended you open the App every day and tap the update button, this will ensure you are updated before you go show property.
When opening a shackle code, be sure to choose the reason why you are releasing the shackle (taking it off a listing, putting it on a listing, Etc.) The Supra Key gives you access to Hernando, Lake/Sumter and Marion County. Remember , you MUST fill out a request form and send it to Marion before being able to access their boxes, additional steps are needed after request has been approved, you will receive an email from OMCAR containing this info. Forms are not needed for Hernando or Lake/Sumter. Lockbox Keys are issued to ONE person only. Loaning your lockbox key to another person will result in deactivation of Donâ€™t forget to upkey and up to a date your lockbox $500 fine. The Serial Numbers on cost of a lost the MLS Lockbox is Supraâ€™s Support # is $104.95 ($99 877-699-6787 plus tax) 14
Is My Listing Data Secure on ListHub? Information accuracy of listings advertised online has been a major point of concern for the real estate industry with the explosive growth of real estate marketing websites. There are now thousands of local and national online sites you can advertise your listings on, but how can you control and track the data across all of these sites? ListHub has partnered with us to ensure the data feeds for listings you choose to market online are accurate. To truly ensure your listings are advertised with current and accurate data you’ll need a central control management technology that pulls the data for all your online listings from a secure source, such as your MLS data feed – that is why we chose to provide ListHub’s MLS-connected platform for our members. To further reduce your liability of inaccurate listing information appearing online, be sure to “turn off” publisher sources that aren’t connected to your MLS and check with your marketing vendors to make sure that they’re not distributing your listings. ListHub also ensures your listings are used only in the intended manner. All the publisher websites that are supported through ListHub must adhere to strict guidelines for your protection. Here are just a few examples of the protections provided:
Publishers agree that MLS-sourced, broker-authorized data feeds should trump all other sources. Publishers must refresh listing content daily, at a minimum. Publishers agree not to re-syndicate your listings to third parties. Publishers acknowledge that the broker/agent hold all rights to their listings.
ListHub has expanded its advertising options to include a network of international websites. ListHub Global is a new opportunity to advertise your listings in the International marketplace with the same data protections and managed listing distribution platform available through ListHub today. For more information about ListHub Global go to: http://www.listhub.com/listhub-global.html
Respectfully Submitted by: Cheryl Lambert
LOOK FOR TECH TALK CLASSES MONTHLY FOR THE 2014
December 2013 Best Applications of the year
So I am trying all kinds of different apps to make great video’s of my listings and I came across this great and super easy to use App called Animoto. While trying out this great app I found it incredibly easy to use and in minutes I have a video that I can use anywhere. Some of the features this application has to offer are sharing option so that you can immediately place your video on your Facebook Page, you can send in an email, post directly to You Tube, you can add text to your photos and video, add music with over 1000 soundtracks, 50 different style and so much more. While working with this app you can pull your photos from wherever you have them stored. You can create or watch from your Smartphone no matter if you are a android user or Iphone user. This is truly a fun application to share what you are doing at the moment, your business activities, or whatever you would like. Once you are logged into the app there are three easy steps to create a video in minutes
Step 1 - You upload your photos from wherever you have them stored. Step 2 - You select your videos style, your music and add any Text – you are done! Step 3 - Download, share , embed into you blogs or newsletters! Pretty easy. The quality of the videos are HD and looks like it took you hours to put it together. As with anything else there are options of this application. There is a FREE version however there are limits such as limited styles, web quality videos, and 30 sec video lengths. the next level is $5.00 a month, and you have everything mentioned. And if you really want to go to the next level there is a Business level that will allow to custom branding for you and your business. I know some of you will say I don’t want to pay for an app. I will challenge you with this…for $30.00 a year to make as many videos as you can compared to the cost of print ads in the newspaper and or even the cost of a virtual tour for only one listing. Just something to think about. For me I will stick with the $30.00 a 20
WHEN: TIME: WHO:
Wednesday, December 18, 2013 1:00pm Cheryl Lambert
WHAT: Best Apps of 2013 WHERE: RACC COST: Free
Bring your Laptop, Tablet or Smart Phone
Refreshments will be provided by: PNC Bank
To register, visit www.raccfl.com, log in and click “Association Calendar”. Choose the title of the class, add to your cart and click enter payment info at top right (even though the class is free) to complete the transaction, or call 746-7550
LEGAL FAQ's - APPRAISALS Q: Can I refer to a broker price opinion (BPO) or comparative market analysis (CMA) as an “appraisal” if I’m not also a licensed appraiser under Part II, Chapter 475?
Q: May I receive continuing education credit for attending a Florida Real Estate Appraisal Board meeting?
A: No. Per Section 475.01, Florida Statutes, the presence of the terms appraise or appraising in the definition of broker services specifically excludes those services that must be done by a statelicensed, state-certified or registered trainee appraiser. Although a real estate licensee is authorized to perform a BPO or CMA for a customer, under section 475.25(1)(t) the CMA or BPO should not be referred to as an appraisal. A violation of this provision could result in disciplinary action against your license.
A: Yes. Trainees as well as licensed and certified appraisers may attend a meeting where disciplinary cases are heard and receive seven hours of specialty CE credit per renewal cycle. To receive the credit, fax, to (407) 317-7245, your written request including your name, license number and current address, to the Division of Real Estate at least seven days prior to the meeting. Your name will be placed on a roster, and you will have to sign into and out of the meeting.
Q: I’m a certified residential appraiser. I supervise three registered trainee appraisers. My office is in Orlando (Orange County). One of the registered trainees wants to perform appraisals out of an office in Miami-Dade County. May I supervise a registered trainee in Miami while I’m located in Orlando? A: No. Section 61J1-4.010, Florida Administrative Code, states that a supervising appraiser shall train or supervise appraisers located in the county where the supervising appraiser’s primary address is located and registered with the Department of Business and Professional Regulation, and any county contiguous to the county where the supervising appraiser’s primary business address is located and registered with DBPR. Since Dade and Orange Counties are not contiguous, you may not supervise a trainee appraiser located in Miami from your Orlando office. Q: I just received a copy of an appraisal in which the appraiser didn’t analyze prior sales of the subject property. Aren’t appraisers required to analyze prior sales? A: Yes. Standards Rule 1-5, USPAP, states that when the value opinion to be developed is market value, an appraiser must analyze all available agreements of sale, options and listings of the subject property current as of the effective date of the appraisal and analyze all sales of the subject property that occurred within the three years prior to the effective date of the appraisal. Q: A property owner has requested an appraisal report that I, a certified residential appraiser, prepared for a lender. May I give the owner a copy of the appraisal report? A: An appraiser who receives from any party a request for a copy of an appraisal report must comply with the confidentiality section of the Ethics Rules of USPAP. That section states in part that an appraiser must protect the confidential nature of the appraiserclient relationship. Additionally, an appraiser must not disclose confidential information or assignment results prepared for a client to anyone other than the client and individuals specifically author-
Q: I’m a certified residential appraiser but not a real estate licensee. May I still perform Broker Price Opinions? A: No. In order to perform BPOs, you must have an active real estate license, and as with other services of real estate, you must perform this activity under the direction and control of a broker. Additionally, payment for BPOs must be made to the broker. Q: I just received a copy of a desktop appraisal for which the appraiser did not inspect the property that is the subject of the appraisal. May a licensed appraiser perform an appraisal without inspecting the property? A: Yes. The Uniform Standards of Professional Appraisal Practice (USPAP) state that an appraiser may use any combination of a property inspection and documents to identify the relevant characteristics of the subject property. The extent of the inspection process is an aspect of the scope of work, which may vary based on assignment conditions and intended use of the assignment results. It’s up to the appraiser to determine the degree of inspection necessary to produce credible assignment results for the intended use of the appraisal.
Florida Leads Sales to Foreigners Florida accounts for 23 percent of non-resident foreigners purchasing residential real estate in the USA, according to the National Association of Realtors® Profile of International Home Buyers in Florida, 2013. The study also says 63 percent of Florida's Realtors® report having international clients, compared to the national average of 27 percent. Go to Florida Realtors Research online to download and read the report.
Webinar: What to Do Next on Health Insurance You can get a better understanding of what you have to do under the new Affordable Care Act (health insurance reform) in a webinar on Thursday, Dec. 12, at 11 a.m., Central Time (Noon Eastern Time). Marcia Salkin, NAR managing director of public policy, will cover complying with the law whether you have insurance already or are looking for coverage; Kristin Maurelia, NAR managing director of the Realtor Benefits® Program, will introduce the REALTORS® Insurance Marketplace, NAR’s online resource for identifying and purchasing coverage; and Shannon Kennedy, president of Realtor Benefits® Program partner SASid, the operator of the REALTORS® Insurance marketplace, will provide a step-by-step walk-through of NAR’s exchange. Registration link to "Health Insurance and the Affordable Care Act: What REALTORS® Can Do Today."
MLS WARNINGS AND FINES FOR November In November the MLS issued the following to Participants and/or Subscribers: Warnings: Duplicate Listing (0) Wrong Category or Area (5) Pending and Closed (0) Lender owned (0) No Photo (1) Branded Virtual Tour (0) Lockbox Code in Listing (0) Name/Phone# (0) Sign in Photo (0) Alt Key (0) Fine: (0) Violation of the same offense will be subject to the following: 1st offense:
Failure to submit contingent, pending and closed information within two (2) business days.
Failure to enter a photo. Note: The seller may request in writing a photograph of the property not be included.
Failure to enter a listing in the correct category.
Be sure to “like” us on Facebook! www.facebook.com/ raccfl
December 2013 Sun
Orient. 8 - 4
Bd Dir 8:30am Holiday Membership Meeting 5:30
Bus partner Luncheon 11:30 RE Bus Plans 9-11
Contract to Close 9 - 11:30
Personal Asst. ICE 1 - 4pm 3 hrs CE
Prof Standards 1 - 4pm 3 hrs CE
Tech Talk Best Apps 1:00
Economic Summit 10:00 Tech Talk Best Apps 1:00
31 Bd Close at Noon
October and November Residential and Vacant Land MLS Stats These statistics were taken from the MLS on
These statistics were taken from the MLS on
October 31 , 2013
November 30, 2013
VACANT LAND Active
700 Chart displays
100 0 1st Qtr