2008 - november - osceola review

ReVIEW

Members: Come Paint Your Heart for the Seniors Citizens at St.Cloud Villas on Saturday, November 15, 2008

Osceola ReVIEW November 2008

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By Hope Andrews

Dear MeMbers:

According to many credible experts, the industry is now in the last 11 months of the distressed real estate

market that has plagued our industry for the past 38 months. Other experts suggest that the 11-month estimate might be too optimistic.

Whether one agrees with 11 months, or 18, is not relevant to the challenge that lies before the American real estate broker. The fact is that the end is in sight. The real question is what firms will enter the coming horse race, and place well for the lineup at the beginning of the next ‘up’ real estate market?

The answer is simple. The opportunities of the next up market will belong to brokerages who, well before the onset of the new market, create and implement business plans that overcome three hurdles, and focus the firm’s efforts and resources in four critical areas.

It is important to recognize that the challenge of 2009 will be as much a mental health exercise as an economic or business experience. From the outset, recognize these two things: 1) The up market will return (although not at 2005 levels); and 2) when the market returns, it will be a significantly different business environment than the one that existed at the onset of the current down market cycle.

If your brokerage firm can overcome the following four hurdles, it can help you focus your resources and challenges going into 2009:

• The Psychology of Down It is likely that the economic aspects of the marketplace will transition faster than the mind-set of the American real estate consumer. There is really no way to measure the mid- and long-term impact that the “psychology of down,” -- the emotional impact of negative mass media, the burden of distressed properties and the stress of sliding property values -- will have on the consumer. It is sufficient to say that these forces will negatively impact consumer confidence. A firm’s recovery strategies and business plan must address this issue head on.

• Time to Buy Another factor in play here is the fact that earlier industry initiatives to convince consumers to reenter the market through “time to buy campaigns” may have negatively impacted the industry’s credibility in the eyes of the consumer. Combating this effect may be as simple as partnering with an entity that has a higher level of credibility.

• Finding the Right Horse A firm’s business plan will be its thoroughbred as they enter this Triple Crown. This is not just one sprint. One must establish training and performance goals, study each unique track, and run well throughout the season. The winning plan will set forth the strategic and tactical objectives and initiatives that the firm will employ at each turn throughout the season. Without a unique plan, a firm can be nothing more than a spectator.

• Monitor MLS Sales Pending, closings, listings and other activities, as well agent registrations. Try to verify rumors and information gained on the street. Set up a system of office drive-bys to monitor obvious activities. Figure out who is left, what they have done to hunker down, who is exhausted and who may lack the emotional energy to cover the distance. ■

President’s Perspective

November 2008 Osceola ReVIEW

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By Michelle Smith, Director of Knowledge Services

Across1. Accredited Buyer _______________,

offered by Real Estate Buyer’s Agent Council (REBAC)

2. Certified _______________ Investment Member 3. Higher education means greater ___________ 4. Continuing ________________ 5. Young Professionals _______________ 6. Resorts & Second-Home Markets 7. _________________ Education 8. ___________________International Property Specialist 9. You need 14 CE ____________ to renew your license in Florida 10. _____________education means greater sales 11. Real Estate _____________ 12. State of _______________ 13. ______________ for classes online at www.osceolarealtors.org 14. Property ________________________ 15. ______________ Deposit 16. We sell _______________ 17. ____________ Association of REALTORS®

18. Abbreviation for Transnational Referral Certification

19. GRI 1 can be used for this 20. We sell this for a living

Down 1. When we take the Code of Ethics we are called _______________ 2. The Association is located at 1105 _________ Lane, Kissimmee 3. _________________ Buyer Representative 4. A home for sale is also called a ______________ 5. _______________ County Association of REALTORS®

6. __________ is a web based designation 7. Certified _______________ Specialist 8. Graduate REALTOR® Institute designation abbreviation 9. Education helps us _______________ new ideas 10. Certified Real Estate Brokerage Manager abbreviation1 1. Every 4 years we must complete the ________________ for our NAR requirement 12. REALTORS® are the key to ___________________13. Osceola County ________________ REALTORS®

14. RAA _________________ Accredited Appraiser15. _____________ REALTOR® Institute16. Where listings are entered17 . Classes at the Association are _____________

Knowledge Services News

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By Stephanie Escurra-Hendricks, Membership Services Representative

It’s that time of year of again!!! You should have received your REALTOR®/Affiliate dues statement for 2009.

What are we paying for?Your 2009 renewal dues cover your Association, NAR, FAR and Education fees. Joining the county's largest trade and professional Association through your membership in the Osceola County Association of REALTORS® will give you access to a wide range of benefits, services and professional development opportunities now enjoyed by our 2000+ members.

Plus, you will become a member of the National Association of REALTORS® and the Florida Association of REALTORS®. NAR is the world's largest trade and professional association and FAR is the State's largest trade and professional association.

What form of payments do you accept?Check, Money Order, Visa and Mastercard.

How do I renew my dues?Visit our website www.osceolarealtors.org. Click on the link that says “Pay Your Dues Here”. A login screen will appear, enter your User ID and Password, and then select what you want to pay. Make sure you get to the end and you can print a receipt. If you are not sure of your User ID and Password, please call the Association at (407) 846-0117.

When is the Deadline?The last day to pay your dues without penalty is on December 31, 2008. As of January 5, 2009, your membership with the Association, NAR & FAR will be terminated and a $130 reinstatement fee will be accessed

If you have any questions regarding your invoice, please feel free to contact us:By Phone: (407) 846-0117By email: [email protected] Person: 1105 Shady Lane, Kissimmee, FL 34744

We hope that all of you will renew your membership, and we look forward to another year of providing you with great customer service and assisting you with all your REALTOR® needs. ■

Membership News

A CLEAR CHOICE TITLE & ESCROWOF OSCEOLA, LLC

119 E 13th StreetSt Cloud, FL 34769

P: (407) 892-6800F: (407) 892-6802

[email protected]

Tammy BowersManager

ASSOCIATION OFFICE CLOSED

Thursday, November 27, 2008

Closed all day for Thanksgiving Holiday

Friday, November 28, 2008

Closed all day for Thanksgiving Holiday


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Education CornerAll classes will be held at the Association (unless noted otherwise)

To register for any classes please visit the Association website www.osceolarealtors.org, click on “Online Member Services” button, enter your username and password and then click on the Education Calendar. If you have any questions, please call the Association at (407) 846-0117.

PLEASE NOTE: If you are registered and unable to attend, please call the Association to cancel, or you will incur a $20 cancellation fee. Thanks in advance for your cooperation.

MLS Training ClassesThere is one MLXchange Training class held each

month. This is a mandatory class for new members. Even

if you have already taken this class, you are invited to attend as a refresher course at any time.

POPCOrN & eTHICs (2 Sessions, Pick One)Thursday, November 13, 2008 Times: 9:30 a.m. – 12:00 noon or 1:30 p.m. – 4:00 p.m.Instructor: DVDLocation: Association Classroom, 1105 Shady Lane, Kissimmee, FL 34744

Description: In an effort to assist members in completing their mandatory NAR Quadrennial Code of Ethics training, we will be showing the NAR Code of Ethics DVD and serving popcorn and soda.

Cost: FreeCE Credit: NO CE Credit – But you will fulfill the National Association of REALTORS® requirement.

sO YOU WaNT TO be a brOKer Thursday, November 20, 2008 Time: 9:00 a.m. – 12:00 NoonInstructor: Steven DavidLocation: Association Classroom, 1105 Shady Lane, Kissimmee, FL 34744

Description: By the end of this course the student should be able to: list the agency options the broker’s sale associates could offer the public, state the conflicts and much more.

Cost: FreeCE Credit: 3 hours ■

897 Towne Center DrivePoinciana, Florida 34759Ph: (407) 343-1560Cell: (786) 316-9270Fax: (407) [email protected]

Betty M. DobbiePresident


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Jeri Peyton, Association [email protected]

Gwen Dukes, Director of [email protected]

Bob St. Gordon, [email protected]

Michelle Smith, Director of Knowledge [email protected]

Stephanie Escurra-Hendricks, Member Services [email protected]

Anneris Rivera, Member Services [email protected]

AssociAtion office

1105 Shady LaneKissimmee, Florida 34744www.osceolarealtors.orgEmail: [email protected]

407.846.0117 • 407.846.0217 fax

newsletter submissionsIn 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 month. Please clearly indicate that submission is for the Osceola ReVIEW.

Editor-in-Chief: Gwen DukesArticles: [email protected]: [email protected] advertising inquiries please contact Bob St. Gordon at the Association Office. Your advertising defrays the cost of publishing. Thank you for your support.

The Osceola ReVIEW is published exclusively for the Association by PIP Printing & Document

Services Kissimmee, Florida 407.847.5565 • 407.847.2698 fax

[email protected]

Disclaimer: The Osceola ReVIEW is published for the members and affiliates of Osceola County Association of Realtors®, Inc. by Pip Printing and Document Services as a courtesy. Pip 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 Association, nor is there any implied warranty by the Association or its staff.

Association Staff

Send your information

and photo to Gwen Dukes at

[email protected]

OK, so maybe we can’t make yOu famOus or turn you into a celebrity, but we can

get you noticed and provide the recognition you deserve within the community.

Have you won a recent award or been honored for your charitable work? If so, let us know and we will feature you in our “realtOrs® making a Difference” section of our Association magazine the Osceola ReVIEW and the Osceola News Gazette.


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Official NAR Designations:

ABR®, Accredited Buyer Representative, Real Estate Buyer’s

Agent Council (REBAC), 1-800-648-6224, www.REBAC.net

ABRMSM, Accredited Buyer Representative Manager, Real Estate

Buyer’s Agent Council (REBAC), 1-800-648-6224, www.REBAC.net

ALCSM, Accredited Land Consultant, REALTORS® Land Institute

(RLI), 1-800-441-LAND (5263), www.rliland.com

CCIMSM, Certified Commercial Investment Member, CCIM Institute,

1-800-621-7027, www.ccim.com

CIPS®, Certified International Property Specialist,

NATIONAL ASSOCIAION OF REALTORS®, 1-800-874-6500, ext. 8412,

www.REALTOR.org/international

CPM®, Certified Property Manager, Institute of Real Estate Management

(IREM®), 1-800-837-0706, ext. 4650, www.irem.org

CRBSM, Certified Real Estate Brokerage Manager, Council of Real

Estate Brokerage Managers, 1-800-621-8738, www.CRB.com

CRS®, Certified Residential Specialist, Council of Residential

Specialists, 1-800-462-8841, www.crs.com

CRE®, Counselor of Real Estate, The Counselors of Real Estate,

1-312-329-8427, www.cre.org

GAASM, General Accredited Appraiser, NATIONAL ASSOCIATION OF

REALTORS®, 1-800-874-6500, ext. 8393, www.REALTOR.org/appraisal

GRISM, Graduate, REALTOR® Institute, NATIONAL ASSOCIATION OF

REALTORS®, 1-312-329-3278, www.REALTOR.org/gri

PMNSM, Performance Management Network, Women’s Council

of REALTORS®,1-800-245-8512, www.WCR.org

RCESM, REALTOR® Association Certified Executive, NATIONAL

ASSOCIATION OF REALTORS®, 1-312-329-8545, www.REALTOR.org/rce

RAASM, Residential Accredited Appraiser, NATIONAL ASSOCIATION OF


SIOR®, Society of Industrial and Office REALTORS®,

1-202-449-8200, www.sior.com

* Compiled from data from the 2005 Member Profile. REALTORS® with an NAR designation

earned a median income of $42,000 more than REALTORS® without.

GraduateREALTOR® Institute

Real Strength.

Real Advantages.

With the NATIONAL ASSOCIATION OF REALTORS® and its nine Institutes, Societies and Councils you have the opportunity to earn valuable certifications and designations that can:

■ Increase your income*■ Build your skills to provide specialized expertise■ Add prestige to enhance your professional image■ Increase your marketability, proficiency and productivity

Find out more about the official NAR family of designations and certifications at www.REALTOR.org/education.

Keep It In The FamilyNovember is REALTOR® Designation Awareness Month

Earn An Official REALTOR® Designation or Certification

Now there’s one place to go to find all the official REALTOR® classes, seminars and online education information. Visit www.REALTOR.org/edmatrix.

RSPS, Resorts & Second-Home Markets, NATIONAL ASSOCIATION

OF REALTORS®, 312-329-8393, www.realtor.org/resort

TRC, Transnational Referral Certification, NATIONAL ASSOCIATION

OF REALTORS®, 312-329-8376, www.realtor.org/international

Official NAR Certifications:

At Home with Diversity®, NATIONAL ASSOCIATION OF REALTORS®,

1-202-383-1201, www.REALTOR.org/diversity

e-PRO®, NATIONAL ASSOCIATION OF REALTORS®, www.eProNAR.com

REPASM, Real Estate Professional Assistant, 1-800-648-6224,

www.professional-assistant.com









1-800-621-7027, www.ccim.com











1-312-329-8427, www.cre.org












1-202-449-8200, www.sior.com




Real Strength.

Real Advantages.

























1-800-621-7027, www.ccim.com











1-312-329-8427, www.cre.org












1-202-449-8200, www.sior.com




Real Strength.

Real Advantages.

















November is NAR Designations Month. earn yours today!


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ATTENTION REALTORS! The BUS is coming to Osceola County! Don’t miss it!

Name

Company (Tours are for REALTORS only please)

Phone # FAX#

Address

E-Mail

Tour Dates East Osceola Wed, Nov 12

West Osceola Wed, Nov 19

2008

For the third year, the Tram will take you for an exclusive tour of the hottest homes in Osceola County.

A day of incredible homes GUARANTEED!

Dozens of great prizes, food and drinks, valuable sales information, and tons of fun all wrapped up in two days.

Don’t miss out… Reserve your seat now! Space will be limited.

One Tour $25 or Two Tours $35

All tours depart Osceola County Association of Realtors 1105 Shady Lane, Kissimmee, FL 34744 at 8:30 am sharp

Arrive back at approx. 5:30 pm Choose: East West

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Total $ Method of Payment: Check Visa MC Amex Card # Exp Date Signature

Sponsored By: Greg Mazza

& Allen Oliver


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No matter where they go...there you are.

Congratulationsto the following Osceola County

Association Memberswhose personal website on

HomesAndLand.com received the most views in October!

Steve Pugh ~ 707

D’Anne KinCannon ~ 592

Karen Orriss-Ross ~ 566

Stephanie Honoré ~ 344

Tim Weisheyer ~ 335

For advertising information, Joye Trawick,

386.668.5933 HomesAndLandOrlandoResort.comHomesAndLandOrlandoResort.com

H&LOctOsc.qxp 11/3/08 10:42 AM Page 1

THe sTaff Of THe OsCeOla COUNTY assOCIaTION Of realTOrs® WOUlD lIKe TO WIsH YOU aND YOUr faMIlIes HaPPY HOlIDaYs!

From left to right: Bob St. Gordon, Controller; Michelle Smith, Director of Education;Gwen Dukes, Director of Communications; Stephanie Escurra-Hendricks, Membership Services;

Anneris Rivera, Membership Services and Jeri Peyton, Association Executive


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By Jeri Peyton

The National Association of REALTORS® Annual Conference & Expo is being held November 5-10, 2008, right here in our backyard, Orlando, Florida. I cannot think of a

better place for our members to “network” than this important event.

I urge you to go experience the conference and take a lot of business cards. It is not very often, only once a year really, that we have the opportunity to network with REALTORS® from all over the United States. And this is your chance to go at very little cost.

The 2008 REALTORS® Conference & Expo is a must attend to succeed in any market. This year’s convention includes the following:

• Four days of intensive training you cannot find at any other real estate event

• Programs for brokers, sales agents, commercial practitioners, IT professionals, International specialists, property managers and more. There are 200 programs in all.

• Latest ideas and techniques for selling in today’s challenging markets

• Sessions cover everything from short sales to presentations that get the listing

• Grow beyond your marketplace by developing B2B relationships with developers in the International 2nd Home & Resort Pavilion

• Valuable insights on leadership and marketing from Web marketing innovators, sports, loyalty and service experts and creativity coaches from this year’s Entrepreneurial Excellence Series line up of seven extraordinary sessions

• Renew your technology skills and increase productivity with hands-on training at the Technology Learning Center (TLC)

• And much, much more! I certainly hope to see you there!

We still have a few more important events coming up before the year is finished, and one of the most

important is the 2009 Board of Directors voting process for our REALTOR® members. Please make sure you take the time to go online to our Association website, www.osceolarealtors.org, and cast your vote Monday, November 3rd through Thursday, November 6th. The 2009 slate will be presented at the Annual Membership Meeting on Tuesday, December 16, 2008, and will be published in the Association magazine and on our website.

REALTORS®, remember the clock is ticking to complete your Quadrennial Code of Ethics. The Quadrennial ends December 31, 2008, and members who have not satisfied this requirement will be considered in violation of membership duty and shall be suspended until such time as the training is completed. The Association is offering “Popcorn & Ethics” to help you fulfill those requirements. These are non-instructed and no CE credit will be given for attending. The NAR Quadrennial Code of Ethics DVD and popcorn and soda will be offered. Please register as soon as possible on our website!

If you haven’t done so already, please sign-up to volunteer for “Paint Your Heart Out” on Saturday, November 15, 2008. This is a volunteer event sponsored by the Association and the Osceola REALTOR® Foundation to paint the exterior buildings for senior citizens living at St. Cloud Villas. We are in need of paint, materials and cash donations. Please call the Association at (407) 846-0117 if you wish to make a donation or volunteer.

Lastly, please mark your calendars for Tuesday, December 16, 2008, for our Annual Membership Meeting. We will be serving a hot breakfast, and in addition to presenting the 2009 Board of Directors, we will discuss various topics affecting our Association and a year-end wrap-up. ■

Association Executive Perspective

1201 Emmett Street • Kissimmee, FL 34741407-931-1343 phone • 407-931-1415 fax

“REALZAN EL PROCESO DE LA TRANSACCIÓNDE BIENES RAICES”

la compañía hispana de®

40404040407-57-57-57-57-5111118-088-088-088-088-087575757575409 Church Street • Kissimmee, FL 34741

EAGLE Pest Management

TTTTTererererermitmitmitmitmite Inspectionse Inspectionse Inspectionse Inspectionse Inspections& T& T& T& T& Trrrrreatmentseatmentseatmentseatmentseatments

(Discounted Rates for OSCAR Members)

FAST • ACCURATE • FRIENDLY

ASK ABOUT OUR“EAGLE NO TENT” TERMITE SERVICE

Tammy M. Bowers Rachel Haggard Julie HeadClosing Dept. Manager Operations Manager Closing Agent

407-931-2889 phone 322 N. John Young Parkway407-931-2852 fax Suite 1e-mail:[email protected] Kissimmee, FL 34741

OUT OUT1201 Emmett Street • Kissimmee, FL 34741407-931-1343 phone • 407-931-1415 fax

“REALZAN EL PROCESO DE LA TRANSACCIÓNDE BIENES RAICES”

la compañía hispana de®

40404040407-57-57-57-57-5111118-088-088-088-088-087575757575409 Church Street • Kissimmee, FL 34741

EAGLE Pest Management

TTTTTererererermitmitmitmitmite Inspectionse Inspectionse Inspectionse Inspectionse Inspections& T& T& T& T& Trrrrreatmentseatmentseatmentseatmentseatments

(Discounted Rates for OSCAR Members)

FAST • ACCURATE • FRIENDLY

ASK ABOUT OUR“EAGLE NO TENT” TERMITE SERVICE

Tammy M. Bowers Rachel Haggard Julie HeadClosing Dept. Manager Operations Manager Closing Agent

407-931-2889 phone 322 N. John Young Parkway407-931-2852 fax Suite 1e-mail:[email protected] Kissimmee, FL 34741

OUT OUT


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we want to extend our sincere appreciation

to our Sponsors!Premier Sponsor

Gold Sponsor

Bronze Sponsor

Titanium Sponsor

A.

B.

C.

D.

Silver Sponsor


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President ...............................Hope AndrewsPresident-Elect .......................Sean FergusonVice-President ..........................Marie CollinsSecretary .................................. Len GoffredoTreasurer ................................Minetta GarayPast President ................................. Jack Frey

DirectorsRiva Alexander Jose AlvarezAndrey Bustamante David DeLoachCheryl Grieb Kemp HowlandJerry Kelley Rosebud KinkeadRichard Knapp Veronica MalolosDenise SacksLegal Counsel ......................Danny Villazon

AssociAtion LeAdership

Realtors®

Real Knowledge Real ServiceReal Value

And in Florida, it’s a felony! Before you enter in to any real estate transaction, be sure

your salesperson has a valid, current, active Florida real estate license. To verify a license is current and active, or to

report unlicensed activity go to www.myfloridalicense.com or call toll free 866.532.1440


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EXPOSURE

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automatically.

From automatically generated listing blogs, to “Just Listed” postcards and e-mail campaigns,

your listings will reach all of your current contacts. With instant publishing to Google Base®,

Oodle®, Trulia®, and many others, your listings will be broadcast to millions who would never

have seen them otherwise.

What have you got to lose? Visit www.alamode.com or call 1-800-ALAMODE for more

information.

***Ask about the Osceola REALTORS® discount***

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December 2008

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November 2008

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New MemberWelcome

9:00 am - 11:00 am

First LinkMedical

8:00 am - 1:00 pm

Taste of WCR11:00 am - 2:00 pm

Property ManagementMeeting

9:00 am - 11:00 am

Introduction to MLXchange9:00 am - 12:00 noon

Listing Maintenance1:00 pm - 3:00 pm

Popcorn & Ethics (2 Sessions)

9:30 am - 12:00 noon &1:30 pm - 4:00 pm

“Paint You Heart Out” St. Cloud

Villas Kissimmee Park Rd. Kissim-mee, FL 8:00 am

CHRISTMASASSOCIATION

CLOSEd

THANKSgIVINgHOLIdAY

ASSOCIATIONCLOSEd

MLS Marketing/Network & Knowledge8:30 am - 10:00 am

Popcorn & Ethics (2 Sessions)

9:30 am - 12:00 noon &1:30 pm - 4:00 pm

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NAR Annual governance Meetings – OrlandoOnline Voting 2009 BOdOnline Voting 2009 BOd

SAM TRAM

SAM TRAM

NAR gov Mtgs

New MemberWelcome

9:00 am - 11:00 am

Popcorn & Ethics 2 Sessions-Pick One

9:30 am - 12:00 noon & 1:30 pm–4:00 pm

Popcorn & Ethics 2 Sessions-Pick One

9:30 am - 12:00 noon & 1:30 pm–4:00 pm

Listing Maintenance1:00 pm - 3:30 pm

MLXchange Training9:00 am - 12:00 noon

MLS IMAPP10:00 am - 12:00 noon

MLS PRO1:00 pm - 3:00 pm

Board of directors9:00 am - 10:00 amExecutive Committee8:00 am - 9:00 am

Young Professionals Network-get together Location TBd 6:30 pm

CHRISTMASASSOCIATION

CLOSEd

NO MLS Marketing/Network & Knowledge

Meeting Today

Annual Membership

Meeting 8:30 am

International Committee Mtg. 2:00 pm - 4:00 pm


MLS Mkt. Committee Mtg.11:00 am - 12:00 noon

Affiliate Committee 10:00 am MLS Marketing/Network &

Knowledge 8:30 am - 10:00 am Public Policy Meeting3:00 pm - 4:00 pm

E-Pro Workshop12:30 pm - 2:30 pm

Ethics in Spanish3:00 pm - 6:00 pm

Board of directors9:00 am - 10:00 am

Executive Committee Mtg.8:00 am - 9:00 am


Ethics in Spanish1:00 pm - 4:00 pm

“So You Want to Be a Broker”

9:00 am - 12:00 noonOBC Mtg.

1:00 pm - 2:00 pmMarketing Committee Mtg.

3:00 pm - 5:00 pm

THANKSgIVINgHOLIdAY

ASSOCIATIONCLOSEd

FoundationMeeting

3:00 pm - 4:00 pm

Awards Committee1:00 pm - 2:30 pm

OBC Mtg. 10:30 am - 11:30 am

Affiliate Meeting 10:00 am

MLS Marketing/Network & Knowledge 8:30 am - 10:00 am

Public Policy Committee3:00 pm - 4:00 pm

No MLS Marketing/Network & Knowledge Meeting Today

Professional Standards Training 1:00 pm–4:00 pm

Knowledge Services Team Mtg. 9:00 am - 10:00 am

Hispanic Network 10:00 am - 11:00 am

No MLS Marketing/ Network &

Knowledge Meeting Today

Property ManagementMeeting

9:00 am - 11:00 am


15

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Millie Plass 407.925.9453 Sheree Fox 407.491.2660 Najla Jalal 407.947.1227 Nancy Knapp 321.624.1560Dawn Lenhardt 407.435.9668

The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice.

Equal Housing Lender. SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224 is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free 1-800-330-4684; is a licensed lender in Rhode Island; is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020 and is doing business in New York at 145 Pinelawn Road, Suite 330, Melville, NY 11747. ©2008, SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc.


1105 Shady Lane • Kissimmee, FL 34744

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NEW AFFILIATE OFFICESLORE LENDING SERVICES .........................NANCY KNAPP4417 13th St., Suite 1010 * St. CloudPhone: (321) 624-1560 * Fax (407) 957-6892

NEW REAL ESTATE OFFICESCELEBRATION RENTAL GROUP ...................DANE BRADLEY720 Celebration Ave. * Kissimmee, FL 34747Phone: (407) 566-8009 * Fax: (407) 566-8511

CLARKSON PROPERTIES, INC ...........RICHARD D. CLARKSON6220 S. Orange Blossom Tr. #1 * Orlando, FL 32809Phone: (407) 888-6984 * Fax: (407) 888-6991

DEFINITIVE GROUP, LLC ........................ SHYAM KOTWAL8390 Championsgate Blvd. * Davenport, FL 33896Phone: (407) 574-2612 * Fax: (863) 248-3586

PLANET REALTY GROUP, LLC ................ .MARVIN DELVALLE1802 N. Alafaya Trail * Orlando, FL 32826Phone: (407) 992-6620 * (407) 520-5447

PRUDENTIAL FLORIDA REALTY ............... DENNIS HOFFMAN8687 W. Irlo Bronson Memorial Hwy. * Kissimmee, FL 34747Phone: (407) 239-0366 * Fax: (407) 239-0376

RE/MAX PROPERTIES SW INC ........... HUDSON MCMURTRIE6985 Wallace Road * Orlando, FL 32819Phone: (407) 352-5800 * Fax: (407) 352-9277

RE/MAX SUNSHINE ..........................NEYLA FERNANDES8751 Commodity Circle, #11 * Orlando, FL 32819Phone: (407) 351-9630 * Fax: (407) 351-9640

WELCOME NEW MEMBERSJennifer Bailey ...............................................Watson Realty Corp.Daniel Barto ...........................................................Zip Realty, Inc.Dane Bradley ......................................... Celebration Rental GroupCindy Castillo ...................................... Five Star Realty Group, LLCAminta Castro ..................................................Luxury Realty, Inc.Richard Clarkson .....................................Clarkson Properties, Inc.Marvin DelValle .....................................Planet Realty Group, LLCLahbib Ennacir .............................. Classic Homes GMAC Real EstateNeyla Fermandes ............................................. RE/Max SunshineYolie Ferrari ...................................................Watson Realty Corp.Amanda Ferrell ..........................Keller Williams Homestead RealtyJorge Figueroa ......................................... Right Choice Realty, Inc.Hoke Fitzgerald ............................Century 21 Premium PropertiesKatherine Gonzalez .................................Dina Realty Group, Inc.Dennis Hoffman ......................................Prudential Florida RealtyShyam Kotwal ............................................. Definitive Group, LLCJenny Lucas ...................................................Heritage Park RealtyHudson McMurtrie .............................RE/MAX Properties SW, Inc.Laura McPhillips ..................................Sunshine Quest Realty, Inc.Gloria Mejia .....................................Platinum Realty InternationalMalini Muhunthan ...............................................Rockrose RealtyElihu Orta ..................... Weichert REALTORS® Hallmark PropertiesGeorge Paniagua ......... Weichert REALTORS® Hallmark PropertiesLinda Perico ........................................Keller Williams At The LakesJeannette Rodriguez ... Weichert REALTORS® Hallmark PropertiesAshley Sherwood ..........................................Watson Realty Corp.Joel Singh ...........................................Keller Williams At The LakesCatherine Stripling .............................Kaye Thompson Realty, Inc.

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2008 - november - osceola review

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