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Westmoreland West Association of Realtors速 12875 US Route 30 North Huntingdon PA 15642 www.wwaor.org 724-863-4255 membership@wwaor.org

The Realtor速 Report

September 2019

The Official Newsletter of the Westmoreland West Association of Realtors速

What Have We Been Up To? July Lunch & Learn featuring State Representative George Dunbar and Marita Garret, Mayor of the Borough of Wilkinsburg.

2019 Board of Directors Executive Board President

Luann Fraicola

President Elect Brian VanKirk Past President

Cari Kocinski

Secretary/Treasurer Cory Fast

July Member Orientation Featuring the Induction of New Realtor速 agents!

Board Members Jami Hudson Victoria McKenzie Erica Newport Marianne Pack Anthony Vecchio James Watson


Home Warranty Claim Approvals A home warranty covers specific items in our home that fail due to normal wear and tear— filling a gap in coverage from your homeowners insurance policy. However, there are three things homeowners should do to increase the chance their claim is approved and processed. First, tackle items noted in the home inspection as needing further review, repair or replacement. It’s easy to put these off, especially if something is minor and currently just a nuisance, but these need to be address before a significant failure occurs. Second, provide routine maintenance on your items to ensure they remain in good working order (for example, regularly change your furnace filters). Neglecting to properly maintain these items could cause a claim to be denied. Third, make sure you involve your home warranty company the moment you notice an issue. Almost all warranty companies provide 24/7/365 service, so you can notify them right away. Calling a service company out or having work done without prior authorization will jeopardize your ability to get reimbursed or have the claim approved. And here’s a bonus tip—warranty companies especially scrutinize claims that occur in the first 30 days because of the possibility of pre-existing conditions. Make sure you have a thorough home inspection, several walk throughs, and review the seller disclosure prior to purchasing your home. If you addressed issues in the home inspection, keep copies of the service records as proof. Always contact your home warranty company if you have questions regarding coverage, even if no problem has yet arisen—it’s better to address them before issues occur. Following these steps will help allow the home warranty to provide the peace of mind you expect. Article provided by Jamie Hissem, Direct Sales Representative with Home Warranty. Jamie can be reached at 724-219-5244 or jhissem@homewarrantyinc.com

MARK YOUR CALENDARS September 12 Lunch & Learn

WWAOR Office

September 24 Continuing Education Class

WWAOR Office

September 25 Speed Networking With Affiliates

Antonelli’s Event Center

October 9

Continuing Education Courses

WWAOR Office

October 24

Lunch & Learn

Tax Planning For Realtors®

WWAOR Office

November 6

Lunch & Learn

Rehab Mortgages

WWAOR Office

December 5

Holiday Party

Antonelli’s Event Center

December 6

Realtor Ring Day

Wal-Mart, North Huntingdon

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Safety Training


NAR Member Benefits—Did You Know? FCA US, LLC. NAR's official automobile manufacturer offers REALTORS® exclusive savings, including a $500 cash allowance, on the purchase or lease of select Chrysler, Dodge, Jeep®, Ram, or FIAT® models, and the Alfa Romeo Giulia and Stelvio. Now Available Just for REALTORS®!

NAR & PAR Events

Realtors® Conference & Expo November 8-11 San Francisco

What: REALTORS®, association staff, and family members get a $500 cash allowance towards their purchase or lease of select new models, and may be combined with most local and national incentives. Additionally, REALTORS® receive an exclusive two-year vehicle maintenance plan contract from Mopar® Vehicle Protection with purchase or lease. View the eligible vehicles tab below for the full line-up of vehicles that includes 2019 Jeep® Cherokee and 2019 Ram 1500.

PAR Business Meetings September 16-18 Harrisburg

The upgraded vehicle maintenance plan, a Mopar® Vehicle Protection package created exclusively for REALTORS®, includes for two years at no extra charge:

Triple Play December 9-12 Atlantic City

• •

4 (two per year) lube, oil, and oil filter changes using synthetic oil Road hazard tire and wheel service plan that includes full repair or replacement cost for all four tires and wheels

Free first day car rental and daily $35 rental car or taxi reimbursement (if needed) while your car is being maintained at the dealership Valued up to $1,000, when combined, these savings equal the value of your NAR membership dues for more than six years. How: Be certain you receive all your benefits and view the eligibility requirements before heading to the dealer. Print out the eligibility requirements and instructions page, along with all appropriate documents listed, and bring with you to the dealership. Quick tip: Negotiate your best price before mentioning the $500 cash allowance.

For more information visit: https://www.nar.realtor/realtor-benefits-program 3


Welcome New WWAOR Members! Board Nominations

2020 WWAOR Board of Directors Nominations Help Build (Y)Our Future! WWAOR is seeking several dynamic individuals who are interested in joining our Board of Directors team with the goals of creating new programs and

Please welcome our newest WWAOR Realtor® Members! Joshua Cooper - Berkshire Hathaway Home Services Kristen Dreistadt - Howard Hanna Stephen Flory - Berkshire Hathaway Home Services Dustin Frankie - Howard Hanna Cody Inman - Berkshire Hathaway Home Services David Knight - Howard Hanna Michael Pastor - Deacon Hoover Real Estate Advisors Sylvia “Lynne” Shawley - Howard Hanna Hope Tunstall - Howard Hanna Amee Walko - Berkshire Hathaway Home Services Danielle Williams - Coldwell Banker

2019 WWAOR RPAC Goals 2019 Goal: Total Raised As Of 8/31/19: Total % Of Goal Achieved So Far: Number of Investors So Far: Total Raised in 2018

$9,240.00 $10,547.00 114.15% 224 $8,829.00

services for our members, promoting home ownership in our communities and building a culture of support, forward thinking and fun! Applicants must be a member of WWAOR in good standing for

To invest in RPAC, follow this link: https://realtorparty.realtor/rpac Or visit www.wwaor.org and click on the “Contribute To RPAC” button.

Government Affairs & RPAC Update -

Matt Vermeire

While Congress in on recess NAR’s policy team is working hard to push a permanent fix to the National Flood Insurance Program as well as a push for additional infrastructure funding. Here are some key facts from NAR regarding the National Flood Insurance Program

name on the 2020 Ballot, please

NAR’s Position: Congress must reauthorize the National Flood Insurance Program (NFIP) before September 30, 2019. NAR supports H.R. 3167, which extends the NFIP for 5 years and improves flood mapping, enhances mitigation investments, and removes federal barriers to private flood insurance.

complete the attached form and

Key Facts:

a minimum of one year. If you are interested in having your

email it to membership@wwaor.org by Friday, September 27 , 2019.

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• We are in the middle of hurricane season, which is not the time for more flood insurance uncertainty. • Flood insurance is required for a mortgage in 22,000 communities nationwide. • Each lapse costs 1,300 home sales per day. • Each home sale means 2 jobs and $80,000 to the U.S. economy. • Short-term extensions and lapses of NFIP introduce uncertainty into real estate transactions that typically last 30-45 days. • When flood insurance is not available at the closing table, consumers lose financing or pay fees to hold interest rates. Locally, the City of Greensburg has created a vacant property registry that is to be funded by the owners of those properties. More specific details and fee costs are being considered. The ordinance also creates new maintenance and security requirements. Owners are responsible for keeping vacant properties free of weeds and debris, and ensuring the building is secure. The 2019 General Election is fast approaching. This election includes races for school board, municipal office and county row offices. If you need to register to vote or request an absentee ballot please do so by clicking the following link, https://www.co.westmoreland.pa.us/251/Elections


Realtor®: Because “badass miracle worker” isn’t an official job title.

Affiliate Spotlight Myers Duffy Dansak & Clegg, LLC. Located on Main Street in downtown Irwin, Myers Duffy Dansak & Clegg, LLC. provides legal services to individuals and companies in Westmoreland and Allegheny Counties. Their primary services focus on real estate, estate planning and administration, business formation and domestic relations. In dealing directory with Real Estate, their focus is on real estate contracts, deeds, easements and matters of title clearance. A good referral for MDDC, LLC. Is an individual or entity in need of resolving a title issue or in need of preparing legal documents such as deeds or easements and title examination and closing work. “Our firm has 30+ years of acting as Solicitor for the Westmoreland West Association of Realtors®. There has been many business relationships and friendships that have developed with the members of the Association”, states Attorney and Partner, James Duffy. For more information on MDDC, LLC. visit www.mddclawoffice.com or call 724-864-9800.

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UPCOMING CONTINUING EDUCATION CLASSES LOCATION: WWAOR OFFICE 12875 Route 30, North Huntingdon PA 15642 We are located in the Rupp Fiore Insurance building – Second Floor

2020 Mandatory CE Class: Advertising and Property Management Tuesday, September 24, 2019 9:30am – 12:45pm Cost: $40.00 Code of Ethics Tuesday, October 22, 2019 9:30am – 12:45pm Cost: $40.00 ENROLLMENT FORM NAME:

REAL ESTATE LICENSE: (As it appears on license)

ADDRESS: PHONE:

EMAIL:

OFFICE NAME AND ADDRESS: Course Name

Start Date /

/

/

/

*** REGISTRATION/PAYMENT IS DUE (1) WEEK PRIOR TO START DATE OF CLASS *** REFUND POLICY: All courses are non-refundable. If scheduled course is cancelled (not postponed) by AREC, LLC. all fees will be refunded.

Signature Amount Enclosed $

I HAVE READ AND AGREED TO THE TERMS OF THIS APPLICATION Date Check #

Money Order

MAKE CHECK/MONEY ORDER OUT TO WWAOR AND MAIL TO 12875 ROUTE 30, NORTH HUNTINGDON PA 15642


DUES INFORMATION 2019 and 2020 National Dues The NATIONAL ASSOCIATION OF REALTORS® dues are $150 per member 2020. This amount is billed to all active REALTOR® and REALTOR® Associate members through their primary local association and is due and owing to NAR by Jan. 1. Brokers are also assessed NAR dues times the number of non-member salespersons, if any, in their office. National dues are prorated monthly for new members based on the join date. This proration only applies in the calendar year the member joins NAR. Thereafter, full year dues are due and owing by January 1. The waiver of NAR dues for REALTORS® and their spouses called up from reserves to active duty deployment approved for the 2002 dues after the 9/11/01 tragedies, has been extended to cover dues for 2020. Please note that this does not apply to career military. 2019 and 2020 NAR Special Assessment

The Special Assessment for the Consumer Advertising Campaign (formerly known as Public Awareness Campaign) is $35 for 2019 and 2020. The assessment is billed to all active REALTOR® and REALTOR® Associate members through their primary local association and is due and owing to NAR by Jan. 1. This assessment is not pro-rated. New members will owe the full $35 when joining NAR. The Consumer Advertising Campaign special assessment is not charged to Institute Affiliate members, nor is it charged for non-members salespersons. It is also not charged for National REALTOR® Emeritus. Nondeductible Dues Compliance with the Tax Reform Act of 1993 requires that the portion of dues attributable to lobbying and political activities at the State and Federal levels of government be considered nondeductible for income tax purposes. This nondeductible portion must be disclosed to members on their dues invoice each year. For 2020, with dues at $150 per member, NAR computes 38 percent or $57 to be nondeductible for the member's income tax purposes due to NAR lobbying efforts. Please note that the entire $35 Consumer Advertising Campaign special assessment qualifies as fully deductible. In addition, contributions (including member dues) to NAR are not tax deductible as charitable contributions. However, they may be tax deductible under other provisions of the Internal Revenue Code.

Dues paperwork in located on the next pages. As stated above, NAR requires that Realtor® dues are submitted to NAR by January 1st.


WESTMORELAND WEST ASSOCIATION OF REALTORS® 12875 Route 30, North Huntingdon PA 15642 724-863-4255 www.wwaor.org membership@wwaor.org

*** 2020 REALTOR® DUES RENEWAL *** Dear WWAOR Member, We appreciate your membership and hope that over the last year, we have provided you with quality member benefits as well as access to cost-savings programs, continuing education, affiliate partnerships and more. We have also tried to keep your local dues at a costeffective rate.

Please be advised that per NAR Regulations and Policies, your 2020 Realtor® Dues MUST BE PAID IN FULL BY TUESDAY, DECEMBER 31, 2019. Please note the following are NAR Deadlines and Policies which all Associations, no matter the area, must abide by: The deadline to pay your 2020 Dues is Tuesday, December 31, 2019. If paid late between 1/1/20 and 1/31/20, your dues are considered overdue and will include a $50.00 late fee. All members not paid in full by 1/31/20 will automatically become inactive in the NRDS system. Once made inactive, the member will incur a $100.00 reactivation fee in addition to their renewal dues. Brokers can be held responsible to pay dues for a member if that non-paid member continues to be a licensed agent in their office per the PALS website. If a Broker has unpaid employees in their office past March 31, 2020, the entire office can be made inactive in the NRDS system. If an agent goes into Referral or Escrow, that information must be provided to WWAOR.

How Can You Pay Your Dues? Mail in a check made payable to WWAOR to 12875 Route 30, North Huntingdon PA 15642. You MUST include the attached form. Via credit card on the NAR Website at www.nar.realtor, then click on “Pay Dues” in the top right corner. If you do not remember your NAR login, call 1-800-874-6500 Option 3. Please mail or email us included form.

***Please note that we cannot take your credit card number over the phone or via email. *** We cannot extend payment dates. We do not accept payments. ***

2020 DUES RENEWAL BREAKDOWN NAR (National Association of Realtors®) Annual Fee $150.00 NAR Consumer Advertising Campaign Assessment Fee Required* $ 35.00 PAR (Pennsylvania Association of Realtors®) State Annual Dues $150.00 Local Dues (Westmoreland West Association of Realtors®) $ 100.00 (also amount for Secondary Brokers) RPAC (Realtors® Political Action Committee) Voluntary Contribution**$ 25.00 (amount can be adjusted $0 - $99+) PA Realtor Education Foundation Voluntary Contribution*** $ 1.00 Total: $461.00

PLEASE SEE OTHER SIDE FOR DEFINITIONS AND TAX EXPLANATIONS


PAYMENT BREAKDOWN FOR DUES PAID IN FULL OR POSTMARKED BY DECEMBER 31, 2019 Total Due = $461.00 (with $25.00 RPAC and $1.00 Education Foundation Contributions) Total Due = $451.00 (with $15.00 RPAC and $1.00 Education Foundation Contributions) Total Due = $435.00 (with NO RPAC or Education Foundation Contributions) FOR DUES PAID IN FULL OR POSTMARKED BETWEEN JANUARY 1 – JANUARY 31, 2020 – INCLUDES $50 LATE FEE Total Due = $511.00 (with $25.00 RPAC and $1.00 Education Foundation Contributions plus Late Fee) Total Due = $501.00 (with $15.00 RPAC and $1.00 Education Foundation Contributions plus Late Fee) Total Due = $485.00 (with NO RPAC and Education Foundation Contributions – Late Fee Only) Dues Definitions *The NAR Consumer Advertising Campaign Assessment Fee is a mandatory fee which covers the NAR Public Awareness Campaign, a series of television and radio commercials that run year-round in markets across the United States including Pittsburgh. **RPAC stands for REALTORS® Political Action Committee. Our RPAC representative is Matt Vermeire. He is our contact when realtors are having local issues (such as sign requirements, zoning issues, water issues, dye testing, etc). He takes that information and works with political representatives and Harrisburg to fight for Realtor issues. RPAC contributions are how local issues get represented, acknowledged and corrected at the local, state and national levels. For more info visit https://realtorparty.com/about-us/history.html. Most Realtors don't understand how important this is. Contributions to RPAC can be $0 - $99, but we always recommend $25. ***The Education Foundation is designed to provide education to as many Pennsylvania Realtors as possible. It does this in two ways. First, when local associations are having an education event they can request up to $2 per member to offset the costs of holding that event. The second way is by holding large events that PAR puts on that benefit large groups of our members. Nondeductible Dues Compliance with the Tax Reform Act of 1993 requires that the portion of dues attributable to lobbying and political activities at the State and Federal levels of government be considered nondeductible for income tax purposes. This nondeductible portion must be disclosed to members on their dues invoice each year. For 2019, with dues at $150 per member, NAR computes 38 percent or $57 to be nondeductible for the member's income tax purposes due to NAR lobbying efforts. Please note that the entire $35 Consumer Advertising Campaign special assessment qualifies as fully deductible. In addition, contributions (including member dues) to NAR are not tax deductible as charitable contributions. However, they may be tax deductible under other provisions of the Internal Revenue Code.

MAKE THE MOST OUT OF YOUR MEMBERSHIP WITH THESE BENEFITS! Use of the term Realtor® Access to Standard Forms and the Legal Hotline Professional Development through offered Continuing Education Classes Member Communication: Resources and Tools to help you succeed Social Media Community Special Events Advocacy Avenues to help you protect your business Government Affairs Director access Ethical conduct enforcement and arbitration settlement Networking Opportunities Affiliate Partnership Program Personal and business savings programs through NAR and PAR Committee opportunities Community involvement promoting Home Ownership AND MORE…….


WESTMORELAND WEST ASSOCIATION OF REALTORS® 12875 Route 30, North Huntingdon PA 15642 724-863-4255 www.wwaor.org membership@wwaor.org

*** 2020 REALTOR® DUES RENEWAL FORM *** Please Return This Form Regardless of Payment Method via mail or email to membership@wwaor.org Name: NRDS Number: Email Address: Home Address: Cell Phone: Office Name: Office Address:

Office Phone:

Broker:

Office Manager:

_____ My License is in Referral as of ________ _____ My License is in Escrow as of _________

Referral Office ____________________________________

2020 DUES RENEWAL BREAKDOWN NAR (National Association of Realtors®) Annual Fee $150.00 NAR Consumer Advertising Campaign Assessment Fee* $ 35.00 PAR (Pennsylvania Association of Realtors®) State Annual Dues $150.00 Local Dues (Westmoreland West Association of Realtors®) $100.00 (also amount for Secondary Brokers) RPAC (Realtors® Political Action Committee) Voluntary Contribution** $ 25.00 (amount can be adjusted $0 - $99+) PA Realtor Education Foundation*** $ 1.00 Total: $461.00

Total Payment Made: $ Includes RPAC Contribution of $ Payment Method: Check Enclosed

Paid via NAR Website

No RPAC Contribution included


2020 WWAOR BOARD OF DIRECTORS NOMINATIONS HELP BUILD (Y)OUR FUTURE! Become a WWAOR Board of Director in 2020! WWAOR is seeking several dynamic individuals who are interested in joining our Board of Directors team with the goals of creating new programs and services for our members, promoting home ownership in our communities and building a culture of support, forward thinking and fun! Applicants must be a member of WWAOR in good standing for a minimum of one year. If you are interested in having your name on the 2020 Ballot, please complete the form below and email it to westmorelandwestrealtors@gmail.com by Friday, September 27, 2019. 2020 WWAOR Board of Directors Nomination Form NRDS Number:

Name: Office: Broker: Manager: Email: Phone Number: Have you ever served on any Board of Directors? Yes No If Yes, please list when and with what organization(s)/association(s):

Have you ever attended a NAR or PAR Business Meeting, Training Event or Conference? If Yes, please list year and what event(s) you attended:

What Education or Skills do you possess that would add value to our Board?

Why would you like to be a dynamic force on the WWAOR Board?

Provide a short bio:

Signature

Date

Yes

No


Newsletter Additions

Serving The Needs Of Our Members Since 1957

If you would like to submit

* Unite those engaged in the recognized branches of the real estate profession for the purpose of exerting a beneficial influence upon the profession and related interests.

an article or Member Moment for an upcoming Newsletter edition, please email your information to membership@wwaor.org.

* Promote and maintain high standards of conduct in the real estate profession as expressed in the Code of Ethics of the NATIONAL ASSOCIATION OF REALTORS®.

* Provide a unified medium for real estate owners and those engaged in the real estate profession whereby their interests may be safeguarded and advanced. * Further the interest of home and other real property ownership. * Unite those engaged in the real estate profession with the Pennsylvania Association of REALTORS® and the NATIONAL ASSOCIATION OF REALTORS®, thereby furthering their own objectives throughout the state and nation, and obtaining the benefits and privileges of membership therein.

MAY 2019

WWAOR 12875 US Route 30 North Huntingdon PA 15642 www.wwaor.org 724-863-4255 membership@wwaor.org

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