About Rosemary Joles and The Joles Group

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very home is a masterpiece!

EXPECTATIONS WHAT YOU DESERVE

Here's What To Expect From Any Agent You Work With You should expect to be treated with respect, not like a number. You should feel like the agent's only client, not like transaction #34. You should expect to have your best interests represented. The whole moving process should be as painless as possible. Your agent's eye shouldn't be on your wallet, but on serving you selflessly. Your agent should not think of you as a transaction that will be gone in a few months, but more like a friend and a client for life.

You should expect your agent to work as hard for you as he would if he were buying or selling his own house. You should expect the highest skills available. Your calls should be returned promptly, you should be kept up to date, and not feel like you were forgotten by your agent.

If any problems do arise, your agent should go overboard to fix them and document everything diligently so that you are protected. After the transaction, you should expect your agent to be a trusted advisor that you can consult anytime. You should feel like you were represented professionally, and that you came out the better for it.

Why I Have a Lot to Lose!

My business is built on referrals. What this means to you is that I don't spend a lot of time on prospecting activities to find new clients as other agents do. So you get all of my attention and energy. I feel that by providing you with the best real estate experience you ever had, you will naturally want your friends and associates to have the same benefit. When this happens, I can devote even more time to making my service the best available.

Since I don't knock on doors or make cold telephone calls, I depend on referrals to grow my business; I HAVE to give you excellent service. You MUST be happy, or there will be no referrals from you and my business will suffer!

So I don't see you as just a transaction, here today and gone tomorrow. I’m not a superstar, pushing people through some kind of assembly line, but I see myself as a super servant. I treat your business with great respect, and want to be the agent who helps you reach your goals and realize your dreams! ~ Rosemary Joles

TESTIMONIALS WHAT OTHER’S HAVE TO SAY ABOUT ROSEMARY’S SERVICE

“We are so glad we had you as our Realtor. You are wonderful at your chosen profession . Your special attention to our needs is appreciated”. ~Tammy and Vince P., Bay Park “Rosemary was recommended to me by my friend, Ellyn, who met her when she was selling her condo in Clairemont. Even though Rosemary represented the buyers of Ellyn’s condo, Ellyn, was so impressed with Rosemary’s dedication and integrity, that she strongly suggested I hire her. I’m so glad I did.” ~Barbara A., Clairemont “Rosemary was fantastic she listened to us, and determined just what we wanted. She kept at it until she found the perfect spot for us”. ~Mary C., Del Mar “I was amazed at the effort and care Rosemary took with every detail. I doubt that there is any agent who works as hard at pleasing her clients and she does it with joy and kindness. ~Doris B., Downtown San Diego “ We just want to thank you for the work you did in selling our house...You were always very professional and when you made an appointment you were always on time...You had a great deal of patience with regard to questions...We will certainly recommend you to anyone we know looking for a Realtor..” ~John & Audrey M., Del Cerro “We have purchased many homes over the years. I know through these experiences that Rosemary is someone special. She will be the agent we will call if we should buy or sell again. It was a pleasure.” ~Mary M, Fashion Valley

July 8, 2012 To Whom It May Concern: This is a letter of recommendation on behalf of Rosemary Joles. We have known Rosemary for quite some time, she has been our real estate agent in several transactions. She always showed excellent proficiency in her work, helping us in making proper decisions and taking care of any problem with outstanding results. we don't have any doubts she will be an asset for those whom she will work with in any context.

Sincerely yours, Dr. Julio and Perla Zonis

LinkedIn Recommendation: “Rosemary is an awesome real estate professional who exceeds my expectations in every respect. She helped me purchase a very special home in '05 -- her expert advice and professional approach resulted in a truly wonderful, enjoyable and satisfying experience. How often do you hear that these days? As a sophisticated consumer of services, I recommend her to anyone seeking top notch real estate services. My repeat business, which she has earned, is the highest endorsement of all.�

Ben Kim April 7, 2009 Top Qualities: Personable, Expert, High Integrity Hired Rosemary as a Real Estate Agent in 2005, and hired Rosemary again in 2011

LinkedIn Recommendation: “WOW, what an outstanding Realtor. Rosemary is fantastic, precise, knowledgeable, reliable, trustworthy, thorough and most important; easy to approach. While most realtors tend to be "pushy" and persistent, Rosemary gave several suggestions and was very patient with me. For a first time buyer, I was so impressed with her willingness to research and find out every question I had. To this day, I still contact her for questions and concerns I have with my home.

Thank you Rosemary for all you've done and continue to do for me and my family!!!

Patti (Groover) Cropper October 18, 2011 Top Qualities: Great Results, Personable, High Integrity Hired Rosemary as a Real Estate Agent in 2008

LinkedIn Recommendation: “Rosemary has the most integrity of any real estate agent I've known.

She was great to work with and very patient as we looked at lots and lots of homes. I highly recommend Rosemary and will definitely do business with her again in the future.�

Jonathan Carter April 8, 2009 Top qualities: Great Results, Personable, High Integrity Jonathan Carter Hired Rosemary as a Real Estate Agent in 2008

LinkedIn Recommendation: "Rosemary made it a pleasure to purchase my first home. This is a typically a stressful process. But her knowledge and personal attention put me at ease with the home buying process.

I highly recommend her for all real estate needs and will continue to seek her services in the future. She has earned my business!"

Shaun Cropper April 8, 2009 Service Category: Real Estate Agent Top Qualities: Personable, Expert, High Integrity Year first hired: 2008

February 19, 2010

To Whom It May Concern, The service and personal attention we received from Rosemary was professional and exceptional. She truly leads a high-caliber team. Her knowledge of the local market and her special attention to small details helped us to sell our house within 90 days of listing. Her and her team took care of all the cosmetics, minor repairs, staging and the open house to get the property ready for sale in a very competitive market.

After our house was in escrow, I and my wife walked through the house for the last time.

Rosemary had the interior looking so good, that we said to each other we wish that we were still living there.

Regardless of whether you are buying or selling, I would highly recommend Rosemary to help you in this life changing move. We could not have asked for a better Realtor to guide us through the process.

Sincerely,

Erwin & Nenita Oceanside, CA

November 2009

I am in the Navy and was sta oned overseas when I began looking for a new home. Rose made the process really simple and helped me out while looking for a home and even a erward. She helped me find a rental home while I waited for my short sale to go through, helped me find people to paint my home a er I moved in, and even helped me with rental agreements when I was looking for a roommate. I have given her numbers to all my friends who were looking to buy.

Sco Sonnier

RESUME’ EXPERIENCED, KNOWLEDGABLE, SKILLED, UNDERSTANDING

T bout Rosemary BALANCE AND HARMONY

When Rosemary Joles sings with her singing group, she says that it is much more challenging to sing in harmony than solo. “Each time a member of our group sings, that individual has to consider how every note, every word, and each rhythm holds up not only on their own merits, but how these pieces will blend with all the other individual voices in the group.”

This same kind of balance and harmony are key to how Rosemary approaches her music, her life, and her attitude toward her clients. Just as the role of harmony ensures the balance between the separation of individual lines and the rich choral sound within a group, the realtor’s role is to make sure each individual voice of the real estate “song” blends together in perfect concert.

Rosemary and her husband Todd getting ready to carol for homeless families.

HARMONY IN MUSIC, NATURE AND DESIGN

Raised with old-fashioned values and work ethics in a small rural town in Wisconsin (with only 20 students in her graduating class), Rosemary grew up farming and gardening with her grandmother, and even helped milk cows in order to sell product to the local creamery. “Early on, I learned to appreciate the seasons, rhythms and cycles of nature, just like those in music.”

It was only natural that Rosemary's love for music and the harmony in nature would extend to design and architecture. “Just as beautiful music is composed of notes, chords, and rhythms, the harmony of design is made of materials, colors and textures.”

Rosemary’s family home in west central Wisconsin

NURTURING DREAMS

Rosemary’s 20+ combined years in property management and real estate has allowed her to share her passions for the “harmony” in nature, music and beautiful living with her other passion: helping nurture the dreams of others.

“Before I look for a home for each one of my clients, I have questions I like to ask them that go deeper than how many bedrooms they need and what size garage they want.” Rosemary has a knack for drawing out her clients’ vision of their perfect home, by finding out what their true priorities and interests are. She has a reputation for saving her clients’ time with her uncanny ability to find the perfect place in a very short time.

har·mo‐ny n. 1. friendly agreement: a situation in which there is a friendly agreement or accord. 2. pleasing combination of sounds: a combination of notes that are sung or played at the same time. 3. pleasantness in arrange‐ ment: a pleasing effect produced by an arrangement of things, parts, or colors.

[14th century. Via French and Latin < Greek harmonia ʺagreement, concordʺ < harmozein ʺfit togetherʺ]

With her passion for beautiful placement and design, Rosemary is able to parlay another of her talents to help sell homes: the skill of “staging” homes. “Dressing up a home that is for sale by ‘staging’ it, brings out its best features and minimizes its imperfections, giving it an edge against its competitors. Staging helps

A staged master bedroom the prospective buyer visualize how his/ her own furniture accessories will fit in the house that’s for sale. While staging a home, it is just as important knowing what to leave out as what to leave in.

Much the same as when writing a piece of music…the pauses are as important as the notes that are used.”

DREAM SYMPHONY

So whether this Realtor is planting a garden, singing a song, staging a home, or selling a piece of property, it is her sense of balance and harmony, her love of beautiful living, and her desire to nurture people’s dreams that drive her. Real estate to Rosemary, is like harmonizing a beautiful song: “the individual voices are the sellers, the buyers, the escrow officers, mortgage lenders, inspectors, appraisers, title insurance companies, and more”. One of Rosemary’s unique talents is her ability to arrange a composition of all these separate voices, in order to manifest her client’s dream symphony: the perfect home, the perfect sale, the perfect piece of real estate “music”.

ROSEMARY HAS BEEN LICENSED AGENT SINCE 1991

ROSEMARY IS A FINE HOMES AND ESTATES AGENT

IT TAKES A PROFESSIONAL TEAM TO DELIVER GREAT SERVICE INTRODUCING THOSE WHO MAKE THE JOLES GROUP A SUCCESS

Todd Joles brings a large variety of skills to my team. Chief cook and bottle washer, he is literally my right hand handyman. From neutralizing clients pink accent walls with a coat of paint and dealing with the city and county building departments to hand delivering flyers. He handles many of the time consuming details that would keep me from giving my clients the service they deserve. Without him on my team, I wouldn’t be able to do what is necessary to run a successful real estate business. His 23 year mission to fill my life with laughter has helped me keep my sanity in what can truly be an insane business. His grounded personality helps to keep me on steady course and focused on what is most important in life on a daily basis. When he’s not helping me with business he spends time pickin’ on his mandolin, reading a good novel, or watching an old film. He is known by all his friends as the man with a plethora of useless knowledge. He’s an amateur musician and luthier, (someone who builds string instruments). In fact that’s one of his hand crafted mandolins he’s holding in the photo above. Todd can be contacted at 619-985-5017.

Rochelle Wheeler is the Transaction Coordinator for The Joles Group. We couldn’t cover all of the bases if it were not for her organized, methodical, dedication to getting all of the t’s crossed and I’s dotted on the myriad of real estate paperwork required in a transaction.

Rochelle graduated from UW Eau Claire with a bachelors degree in mathematics. She decided to put her mathematics career on hold and start her own Transaction Coordinator business, so that she could be a stay at home to her two beautiful daughters.

When Rochelle isn’t busy assisting our clients, you can find her with her yarn collection and crochet needles making beautiful items for her children, friends and family. She also enjoys trying out new dessert recipes and spending time with her husband and children.

Elle Napp Schaeffer is our Marketing Specialist and Graphic Designer. With a huge variety of skills and talents, we couldn’t do what we do without her! From designing brochures, media kits, proposals, postcards, business cards, to setting up a complete marketing plans for our clients homes, plus helping us implement those plans. She is always available to help.

When it comes to unique ideas and creative projects. Elle is who we turn to. We consider her a “creative genius”.

Elle Napp Schaeffer ENS Marketing Directions Get Your Business Headed in the Right Direction! www.ensmd.com

With over 25 years of experience in the mortgage industry, we are so pleased to have Carolyn Plummer be the loan consultant we refer our buyers to. We know when our buyers are in Carolynâ&#x20AC;&#x2122;s hands, that this loan professional will give them sound mortgage advice. She truly cares about those that she works with and she is not one transaction oriented. She is experienced, efficient, and courteous. She works hard to provide a buyer with the best home options and ensures that their loan is closed smoothly and on time.

Carolyn lives in east county with her husband, teenage daughter and 2 dogs. She is licensed to originate mortgage loans in the following state: CA Carolyn Plummer Loan Consultant NMLS #256447 Direct: 858-550-2541 Mobile: 619-813-8934

Judy Sullivan of Simplify Staging and Redesign is The Joles Group Design Stager and Redesigner. Staging is a fairly new career for Judy, but don’t let that fool you. As a military dependent, Judy has moved about every two years for the last twenty-five years while raising six children! As a result, this has given her the experience in setting up many different types of homes along the way. She brings a common sense approach to decorating and staging our clients homes for everyday living – having the home work for the client rather than the client working for the home. Her belief is a home can look wonderful at any time and be ready for guests, prospective buyers or simply friends, as long as it is set up correctly. She always looks forward to not only helping a family set up their home but teaching them the “how-to’s” as well. We know this about Judy, she loves a decorating challenge and especially enjoys helping those who are on a tight budget. What we really enjoy about her skills at The Joles Group is how she can transform a home so that it will appeal to a buyer’s eyes. This coupled with the rest of The Joles Group marketing strategies results in faster sales and more dollars in our seller’s pockets. Making for a happy seller! Judy can be reached at 1-619-315-5771.

CREDENTIALS Certified Master Gardener in the state of Hawaii Completed QC Design Stager and Redesign course Set Decorator and Props Master for Inspired Images, Vista, California MISSION STATEMENT Decorating on a shoestring is making the best use of what you already have. We can show you how to maximize the design elements of your home using the things you love. In our culture today, everyone is so busy it is needful that we all have a place to come home to where things are simply put together and easy to maintain.

Flash it First creates beautiful and enticing photo and video products of our clients homes. We consider them key team members in our marketing platform. They produce the highest quality listing videos to enhance our sellers homes for the online and print world. At this point in 2012, over 85% of all internet traffic is video. Presenting a home via video in a way that captures the short-attention span of todayâ&#x20AC;&#x2122;s consumer comes easy to this incredible team. In addition, their staff is comprised of degreed artists and technicians who are passionate about their craft. The team all carry the same equipment in order to maintain a consistent quality product and collaborate on a unified techniques for creating a quality product.

They can be found at 619-925-2227 or www.flashitfirst.com

Shawn Harris With over eight years of experience as Director of the internationally recognized business coaching division of By Referral Only, Inc., and 11 years as a title consultant, Shawn understands the common challenges real estate and lending professionals have when moving through all points of a real estate transaction. Shawn's warm and inspiring style along with her business acumen has placed her as one of the top Title Consultants in San Diego. Shawn was awarded the Silver Sales Circle of Excellence for 2011.

Bev Coalson As a veteran of the Title and Escrow industry for over 22 years, Bev brings her vast real estate and lending experience to an ever-changing market. Highly trained in complicated title, escrow, and lending transactions, Bev has developed her business niche in providing exceptional service to her clients as evidenced by several large institutional clients who have utilized her services for her entire career. Bev has an impressive track record and consistently wins honors each year for her exceptional client service. Bev is an avid runner of half marathons and finishes in the top 10% of her class. She was also awarded "Yachtswoman of the Year" by the Women's Yacht Racing Fleet of San Diego for her winning performance and sportsmanlike attitude for 2003. Bev holds a BA Cum Laude from the University of West Florida.

Alix Kammeyer Alix is a certified escrow officer and has 22 years of experience in both the title and escrow industry. She has worked all over the country from Alaska, to New Mexico and finally making a home in San Diego, Alix brings a unique expertise to her clients. Alix's goal is to help her client navigate a successful real estate transaction. In her off time Alix enjoys the outdoors with her husband and two dogs.

Susanne Romo, LUTCF, is the newest business associate of The Joles Group. Her expertise is in making sure our clients largest investment, their homes, are properly/correctly insured. We love that she or a member of her team will photo journal a clients entire home so that in case of a major catastrophe they will know exactly what theyâ&#x20AC;&#x2122;ve lost. Owner of a Farmers Agency in she is active in Big Sisters/Big Brothers and animal rescue services.

Susanne shares her home with her husband, 3 rescue dogs & 2 rescue cats. When not helping clients with their insurance needs, she loves to travel, knit, read and garden. She also blogs about healing and finding happiness at www.HealingJourneyBlog.com Susanne can be reached at 619-200-3594 or sromo@farmersagent.com.

SOME OF THE HOMES WE’VE REPRESENTED WE SELL AND LEASE HOMES ALL OVER SAN DIEGO COUNTY

LITTLE ITALY‐LA VITA

MARINA DISTRICT‐CITY FRONT TER.

FALLBROOK

ALPINE‐CREEKSIDE

MT. HELIX‐ HORIZON HILLS

SANTEE

LAKESIDE‐WILLOWSPRINGS EAST

FLETCHER HILLS

MARINA DISTRICT ‐PARK PLACE

CARLSBAD‐SANDLEWOOD

MARINA DISTRICT‐WATERMARK

POINT LOMA‐YACHT CLUB

BAY PARK

MARINA DISTRICT‐WATERMARK

PT. LOMA‐LOMA PORTAL VILLAS

MISSION VALLEY‐UNION SQUARE

MURRIETA

GOLDEN HILL‐BALBOA GARDENS III

SORRENTO VALLEY‐WATERIDGE

FLYNN SPRINGS‐THE MEADOWS

SANTEE

SCRIPPS RANCH‐CORNERSTONE

CLAIREMONT

MISSION HILLS

SANTEE

OCEANSIDE

VALLEY CENTER

GOLDEN HILL‐GOLDEN PK . VILLAS

SANTEE‐CAMERONS

SANTEE‐MISSION LA VEGA

PARADISE HILLS‐SOUTH BAY TH

CLAIREMONT

TEMECULA

SANTEE

EL CAJON

OCEANSIDE

LAKESIDE‐EUCALYPTUS HILLS

FASHION VALLEY‐COURTYARDS

MRA MESA‐FLAIR

HILLCREST‐HORIZON HOUSE

MARINA DISTRICT –HARBOR CLUB

SORRENTO VALLEY‐WATERIDGE

DEL MAR

CARLSBAD‐TRAMONTO

CARMEL VALLEY‐THE LAKES

DEL MAR‐DEL MAR BLUFFS

RANCHO DEL ORO

DEL MAR

GOLDEN HILL‐GOLDEN VILLAGE

SOUTH PARK

BAY HO‐PACIFIC RACQUET CLUB

SOLANA BEACH‐TRIPLE CROWN

DEL MAR‐SPINDRIFT

SOLANA BEACH

CHULA VISTA

SOLANA BEACH

CARMEL VALLEY‐ARBOR LAKE

LEMON GROVE

EAST LAKE

LAKESIDE

DEL MAR

DEL MAR

POINT LOMA

LAKESIDE‐LINDO LAKES

DEL MAR

SOLANA BEACH

CARMEL VALLEY‐TRILOGY II

DEL MAR‐DEL MAR WOODS

CARMEL VALLEY‐PALISADES

SCRIPPS RANCH

DEL MAR

NORTH PARK‐TEXAS ST. CONDOS

SANTEE‐RIDERWOOD TERRACE

FASHION VALLEY‐MISSION GREENS

BANKERS HILL

MISSION HILLS

SPRING VALLEY

EL CAJON

DOWNTOWN‐LA VITA

SAN CARLOS‐SHADOW GLEN

LA COSTA‐CASCADA

LA COSTA‐AVELLINO

LA JOLLA‐CAPE LA JOLLA

YOUR HOME HERE

REPUTATION CHARACTER

The circumstances in which you live, determines your reputation; The truth you believe, determines your character.

THIS IS WHAT WE BELIEVE: Reputation is what you are supposed to be; Character is what you are.

Reputation is the photograph; Character is the face.

Reputation comes over from without; Character grows from within.

Reputation is what you have when you come to a new community.

Character is what you have when you go away.

Your Reputation is earned in an hour; Your Character does not come to light for a year.

A single newspaper report gives your Reputation; A life of toil gives you your Character.

Reputation makes you rich or makes you poor; Character makes you happy or makes you miserable.

Reputation is what men say about you on your tombstone; Character is what angels say about you before the throne of God.

TRUST OUR REPUTATION & COUNT ON OUR CHARACTER!