P.O. BOX 1216 BUNNELL FLORIDA 32110 PHONE 386-437-0095 FAX 386-437-6070 Reprinted with permission by the National Association of REALTORS® UPCOMING EVENTS August 1, 2013 9:00 AM - 1:00 PM Open House 1:00 PM - 5:00 PM iCE Class - FHA/VA Financing, Markets, and the Economy August 8, 2013 9:00 AM - 12:00 PM Class - Core Law AUGUST 2013 Volume 31, Issue 8 Cover Story 1 Association & MLS News 2 President’s Message 3 Affiliate Message 4 Cover Story Continued 5 RPAC 6 Note from Grand Haven Mas. 7 Golf Tournament 8 District One Football Ticket Deal 9 News to Use 10 News to Use 11 News to Use Continued 12 Florida REALTORS® Convention 13 WCR Corner 14 Ethics Activity Report 15 Technology 16 Technology Continued 17 BOD Minutes 18 Inside this issue: Continued on page 5 FROM: NAR Government Affairs DATE: July 2013 RE: NAR Activity Update – National Flood Insurance Program NAR has sent you this update to help keep you informed regarding the National Flood Insur- ance Program (NFIP). There are number of internal and external steps that NAR has taken to address the serious concerns raised by the scheduled implementation of the NFIP reform legislation. The below information can also be found at http://www.ksefocus.com/billdatabase/ clientfiles/172/4/1817.pdf INTERNAL NAR ACTION STEPS ENHANCED REALTOR.ORG FLOOD PAGE: Extensive information including legislative and regulatory summaries, reports, analyses, fact sheets and an informational video on the NFIP. Helpful links to FEMA and other resources are also available to the membership at the Realtor.org Flood Page: http://www.realtor.org/topics/national-flood-insurance-program- nfip. NAR’s LEGAL AFFAIRS DEPARTMENT: Has developed information and guidance on how members should address disclosure concerns and issues related to flood insurance and the possibility of increased flood insurance premiums. This information also includes a sample flood insurance disclosure statement for use by members and state and local associa- tions. http://www.ksefocus.com/billdatabase/clientfiles/172/4/1816.pdf CONDUCTED OUTREACH TO MEMBERS: NAR staff has briefed numerous state associa- tions and local boards including New Jersey, South Carolina, the Outer Banks (NC), as well as the entire state of North Carolina. Here is the recording of NAR staff's NC briefing: https://realtors.webex.com/realtors/lsr.php?AT=pb&SP=EC&rID=67067207&rKey=b528ab8 d3024cc9a DISTRIBUTED NFIP RATE SURVEY: NAR is polling state associations to pinpoint the cause and impact of rate increases experienced. We have posted the survey online and in- vited Realtor participation. Also, at NAR's request, several states -- including FL, NC, LA, SC, NY, and NJ -- have issued NAR's survey. They were recently circulated and staff is compiling the results as they are received. NAR WEBINAR WITH FEMA OFFICALS: In conjunction with the National Association of Home Builders over 700 members (the majority being REALTORS) from both organizations participated. FUTURE INFORMATIONAL WEBINARS AND PANELS: are under development for the Louisiana, Florida, New Jersey and New York state associations. EXTERNAL NAR ACTION STEPS WORKING WITH US HOUSE OF REPRESENTATIVES: With NAR’s support, Reps. Bill Cassidy (R-LA) and Maxine Waters (D-CA) have successfully passed out of the House an amendment to the Homeland Security Appropriations Bill to delay removal of “grandfathered” flood insurance rates for one year. This will provide FEMA with additional time to complete the “Biggert-Waters” affordability study and report to Congress on the im- pact of this and other rate reforms.
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Grand Haven Master Association, Inc. Post Office Box 354785 | Palm Coast, Florida 32135
www.grandhavenmhoa.com
Dr. Robert Carlton, President Ms Terri Langan, Director Mr. Murray Salkovitz, Vice President Mr. Vic Natiello, Director Mr. Gerald Kagan, Treasurer Mr. Troy Railsback, Secretary, Ex-officio
FLAGLER COUNTY ASSOCIATION OF REALTORS, INC.
As I am sure you are aware, moving is a stressful event for virtually everyone. In order to make moving
into Grand Haven the most positive experience possible, it is extremely important that all new residents,
both homeowners and renters alike are aware of the requirements associated with living within a deed
restricted community.
The Board of Directors of the Master Association has developed both a New Resident Information Packet
and a volunteer Neighbor to Neighbor Program designed to provide relevant information to our new resi-
dents. Your assistance is needed to ensure that your clients are fully aware of the rights, obligations and
responsibilities of all Grand Haven residents.
Therefore, we are asking that you make sure that when a client of your firm buys a residence in Grand
Haven, they receive the seller’s copy of the Covenants, Conditions and Restrictions (CC&R’s) of our com-
munity. For renters, a copy of this document may be found on our website (grandhavenmhoa.com). In ad-
dition a copy of the Architectural Design Committee Standards may also be found on this website. The
Standards provide updated information regarding any modifications the owner wishes to make to either
the exterior of the residence or the landscaping.
By ensuring that your clients are either provided with this information or made aware of how to easily ac-
cess it, you will assist in making their transition a smooth and comfortable experience. It is our belief that
this information will provide all new residents with an understanding of the expectations of their commu-
nity and result in a most positive lifestyle experience.
We thank you for your efforts on behalf of our residents and your cooperation in regard to the above is
NNNEWSEWSEWS TOTOTO UUUSESESE, C, C, CONTINUEDONTINUEDONTINUED......... Buyers of all ages gain many benefits from working with a real estate professional. Among the age groups, younger buy-
ers are more likely to want an agent’s help understanding the home buying process, presumably because many are buy-
ing a home for the first time. Younger buyers were most often referred to their agent by a friend, neighbor or relative
whereas older buyers were increasingly likely to work with the same agent they previously used to buy or sell a home.
When it comes to choosing an agent, reputation was important to buyers of all ages; however, younger buyers more often
cited an agent’s honesty and trustworthiness as the most important factor compared to older buyers who most often cited
the agent’s knowledge of the neighborhood – perhaps because older buyers tend to move further distances and may
have less familiarity with area.
The median down payment for Millennials was 5 percent, considerably less than older generations of buyers whose down
payment ranged from 8 percent for Gen X buyers to 22 percent for Silent Generation buyers. Younger buyers who fi-
nanced their home purchase most often relied on savings for their down payment whereas older buyers were more likely
use proceeds from the sale of a primary residence.
“An interesting finding is that Older Boomers and Silent Generation buyers found the mortgage application and approval
process more difficult than expected compared to younger buyers,” said Bishop. “This underscores the ongoing chal-
lenges that many credit worthy home buyers face with today’s tight credit standards.”
The largest group of recent home sellers was from Generation X, comprising 30 percent of recent sales, followed by
Younger Boomers (21 percent), Older Boomers (21 percent) and the Silent Generation (19 percent). As the age of sellers
increased, the share of married and unmarried couples declined and the percentage of single female home buyers in-
creased, from 4 percent among Millennials to more than 17 percent among Boomer and Silent Generation sellers, per-
haps due to death or divorce.
Like buyers, older sellers tend to move greater distances, and are more likely than younger generations to move out of
the state or region. While younger buyers typically moved to larger, higher priced homes, the data shows a clear trend of
downsizing to smaller, less expensive homes among the Older Boomer and Silent Generations.
Typically the older the seller the longer the tenure in the home, while Millennials had been in their previous home for a
median of five years, Gen X-ers stayed 8 years, Younger Boomers owned their home for 11 years, Older Boomers stayed
for 13 years, and the Silent Generation kept their previous home for 15 years.
The reasons for selling a home also varied among the generations. Younger buyers were more likely to move to accom-
modate job relocation or desired to upgrade to a larger home. In comparison, older buyers were often looking for a
smaller home due to retirement and because upkeep was too difficult due to health or financial limitations, or to be closer
to family or friends.
When it comes to negotiating, older sellers are often more willing to reduce their home’s asking price but are less likely
to offer buyer incentives such as home warranty policies or assistance with closing costs.
Of sellers working with real estate agents, the study found that older generations of buyers are more likely to use full-
service brokerages in which agents provide a broad range of services. While more than two-thirds of Millennials used
full-service brokerages, they were more likely than other generations to choose limited service, which includes discount
brokerage, or minimal service, such as simply listing the home on a multiple listing service, presumably because they
have less equity in their home.
Sellers of all ages typically found a real estate agent through a referral or friend; however, younger sellers were more
likely to use the same real estate broker or agent for their home purchase, 59 percent of Millennials used the same agent
compared to 42 percent of Older Boomer sellers. Younger sellers typically want their selling agents help with selling the
home within a specific timeframe and pricing the home competitively, whereas older buyers are looking for their agent’s
help with marketing the home and finding a buyer.
For additional NAR commentary on the home buying habits of Millennials, watch this video.
NAR mailed an eight-page questionnaire in July 2012 to a national sample of 93,502 home buyers and sellers who pur-
chased their homes between July 2011 and June 2012, according to county records and using the Tailored Survey Design
Method. It generated 8,501 usable responses; the adjusted response rate was 9.1 percent. All information is characteristic
of the 12-month period ending in June 2012 with the exception of income data, which are for 2011. Because of rounding
and omissions for space, percentage distributions for some findings may not add up to 100 percent.
The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1
million members involved in all aspects of the residential and commercial real estate industries.
Flagler County Chapter, Women’s Council of Realtors®
Mission Statement:
“We are a network of successful REALTORS® empowering women and men to exercise their potential as
entrepreneurs and industry leaders”
Dream – Believe- Achieve
Ahoy Matey!
There's a treasure in the land, but do you know how to find and secure it!
On July 18 and 19, District 1 hosted this years event in St. Augustine. On the 18th, a PMN (Preferred Management
Network) course was held at the St. John's Board of Realtors office where Tony Macaluso presented "Networking &
Referral Systems". Late that afternoon a networking reception was held at The Pirates & Treasures Museum in which
the attendees enjoyed a tour of the museum and then rum punch on the veranda while networking. Immediately
following the group walked over and had a delightful dinner at the Columbia House. The next day was just as educa-
tional. The event was filled with exceptional speakers including our Florida President, Amy Worth Paul. We were
also privileged to have all of the Florida Officers present. We have been the only District in which all have been
present. Without the collaboration from all four chapters - Flagler, Gainesville, Jacksonville, and St. Augustine, it
would be difficult to have such a successful event in which we continued to show value in being a member. A spe-
cial thanks to our DVP, Joanne Foley, our Governor, Jean Floyd and to our chapter members who attended, Thank
You!
Are you ready for the month of August? On August 2nd Flagler County Chapter will hold our annual Daytona Cubs
social and orientation. We will be meeting at the picnic area where we will enjoy a BBQ dinner. During that time we
will hold an orientation for our new members and will be available to answer any questions or concerns and then It's
take us out to the ballgame.
Have you signed up to attend the Florida Convention in Orlando? There will be numerous educational classes and
the elections for 2014 Florida Officers will be held. If you will be attending more than a day, we still available
space in the timeshare. Please call me.
As always, please remember to use our local and national affiliates.
Have a great August and see you at the ball game or in Orlando!
Ana Paula
Ana P. DeAlmeida
2013 President
Flagler County of Women’s Council of Realtors®
Page 15
EEETHICSTHICSTHICS AAACTIVITYCTIVITYCTIVITY RRREPORTEPORTEPORT Form #E-17
Ethics Activity Report
Boards are encouraged to publish periodic Code of Ethics activity reports. This model is a suggestion, and Boards
may choose to provide other relevant information*.
Number of ethics complaints filed from March 1 to July 30
Date Date
Article(s)
of the Code
alleged
to have been
violated
Referred by
Grievance
Committee for
hearing
Article(s)
found by
Hearing
Panel
to have been
violated
Appeal of
Hearing
Panel
decision
Board of
Directors
final action
Discipline
imposed
(if any)
Yes No Yes No
Complaint
#1
2 & 12 X In Progress
rehearing
requested
Complaint
#2
1, 2, 9, 11, 12 X hearing
scheduled
Complaint
#3
Complaint
#4
Complaint
#5
Complaint
#6
Complaint
#7
Complaint
#8
Complaint
#9
Complaint
#10
*No report shall include the names of individuals or firms.
(Revised 11/00)
Page 16
TTTECHNOLOGYECHNOLOGYECHNOLOGY
July 16, 2013 Realtor.com® Enhances Popular Real Estate App for iOS and Android
Updated app allows house hunters to view larger, higher resolution photos and easily share listings
via social channels
SAN JOSE, Calif., July 16, 2013 /PRNewswire/ -- Today, realtor.com®, the leader in online real estate, op-
erated by Move, Inc. (NASDAQ: MOVE), announced version 5.0 of its free realtor.com® real estate app for iOS and Android.
The latest version features several key enhancements to offer users a more interactive, enjoyable and seamless house-hunting experience. Users can now view larger, higher resolution photos and share list-
ings for the first time on social media channels including Facebook and Twitter.
In addition to sharing listings on social networks and viewing listings with larger, higher resolution pho-tos, users will be able to quickly access shortcuts using a new shortcuts menu. iPhone and Android users
will be able to view listings in a new photo gallery tab and see photos of listings without leaving search results, which will create a more visual experience to aid in the home buying process.
"The house hunting process can be cumbersome on its own," said Errol Samuelson, chief strategy officer
of Move, Inc. and president of realtor.com®. "With every new offering from realtor.com®, we make that process easier with new tools and capabilities. We are continuing to improve and enhance our customers'
experiences, and this update is another step to put consumers first and help people love where they live."
The realtor.com® real estate app already boasts search-enhancing features including search-by-school
functionality, which was added in April, and the ability to draw and create a custom search grid directly on mobile devices. Real estate agents can also use the app to connect and search with clients to help eve-
ryone stay connected while looking for a home to buy or sell.
"Our world is constantly becoming more connected, so being able to add a social element to our app for users to share their real estate journey with friends and family was an absolute must in our development,"
said Scott Boecker, chief product officer at Move, Inc. "The realtor.com® app allows users to share the experience of buying and selling a home and get feedback they desire while easily navigating the mar-
ket."
Since its 2009 launch, the realtor.com® real estate app has been a top resource for those on the hunt for their perfect
property. In the first quarter of 2013, the number of realtor.com® mobile app users grew by over 60 per-cent and accounted for nearly 50 percent of all listing detail pages viewed. The v5.0 update continues to
help home buyers find their dream home and find it first.
Realtor.com® leverages its unique, direct relationships with more than 800 Multiple Listing Services (MLSs), enabling consumers to search 98 percent of all for-sale properties listed in the U.S. With on-the-
go access to this robust database and approximately 90 percent of listings updated every 15 minutes, realtor.com® provides the most accurate and comprehensive information in the industry.
For more information or to download the realtor.com® real estate app and the recently launched real-
TTTECHNOLOGYECHNOLOGYECHNOLOGY, C, C, CONTINUEDONTINUEDONTINUED......... About realtor.com®
Operated by Move, Inc., (NASDAQ: MOVE), realtor.com® helps connect people with the content, tools and expertise they need to find their perfect home. As the official website of the National Association of
REALTORS®, realtor.com® empowers consumers to make the smartest decisions when it comes to finding a home by leveraging direct connections with more than 800 MLSs to deliver the most accurate and up-to-
date listing information in neighborhoods across the country, and by making timely and meaningful con-nections between consumers and REALTORS®. Whether through desktop, mobile, or tablet versions,
realtor.com® is where home happens. About Move, Inc.
Move, Inc. (MOVE), the leader in online real estate, operates: realtor.com®, the official website of the Na-
tional Association of REALTORS®; Move.com, a leading destination for new homes and rental listings, moving, home and garden, and home finance; ListHub™, the leading syndicator of real estate listingsM;
oving.com™; SeniorHousingNet; SocialBios; Doorsteps, TigerLead®; and TOP PRODUCER® Systems. Move is based in San Jose, Calif.
Forward-Looking Statements
This press release may contain forward-looking statements, including information about management's view of Move's future expectations, plans and prospects, within the safe harbor provisions under The Pri-
vate Securities Litigation Reform Act of 1995. These statements involve known and unknown risks, uncer-tainties and other factors which may cause the
results of Move, its subsidiaries, divisions and concepts to be materially different than those
expressed or implied in such statements. These risk factors and others are included
from time to time in documents Move files with the Securities and Exchange Commis-
sion, including but not limited to, its Form 10-Ks, Form 10-Qs and Form 8-Ks. Other un-
known or unpredictable factors also could have material adverse effects on Move's future
results. The forward-looking statements in-cluded in this press release are made only as
of the date hereof. Move cannot guarantee future results, levels of activity, performance
or achievements. Accordingly, you should not place undue reliance on these forward-
looking statements. Finally, Move expressly disclaims any intent or obligation to update
any forward-looking statements to reflect sub-sequent events or circumstances.
SOURCE Move, Inc.
News Provided by Acquire Media
Page 18
BOD MBOD MBOD MINUTESINUTESINUTES --- JJJUNEUNEUNE 201320132013 The regular meeting of the Flagler County Association of Realtors® (FCAR) Board of Directors was held at 8:00 am on Wednes-
day, June 19, 2013 at the offices of FCAR. Board members present were Honora Giumenta,, Tom Heiser, Nate McLaughlin, Car-
men Bongiovanni, Dan Connell, Elisha Heebner, Jim Walden. Marsha Corby and Ana DeAlmeida were absent. The minutes of the
May 22, 2013 meeting were presented and will be filed with no corrections.
No additions to the agenda were made.
Finance Committee Report: A report was given by Nate McLaughlin as chairman, on behalf of the committee. The report will be
filed. The first Budget workshop for 2014 operating budget was announced to be held during the July 19th Finance committee
meeting which begins at 9:00 am.
Affiliate Committee Report: A report was given by Honora Giumenta as a committee member, on behalf of the committee. The
report will be filed.
Building Committee Report: A report was given by Carmen Bongiovanni as a committee member, on behalf of the committee.
The report will be filed. After discussion by the Board regarding the committee’s dissatisfaction with the drape and valance in-
stallation, the Board requests that a letter expressing their dissatisfaction be sent to the vendor, M & E Cross.
Commercial Committee Report: A report was provided by the April minutes of the regularly scheduled meeting. Report will be
filed.
Grievance/Professional Standards Committee Report: Report was provided through the minutes of the June regularly scheduled
meeting of the committee. The report will be filed.
Clarification regarding motions that came from Grievance/Professional Standards Committee that were approved by members of
the committee that are also Board members was received from Margy Grant of Florida Realtors. The motions that were presented
at the meeting cannot be revisited due to an error in voting, but because one of the motions was rescinded by the committee, that
motion can be revisited at the next Grievance/Professional Standards meeting.
Clarification was requested regarding the policy of Board members being permitted to be members of the Professional Stand-
ards Committee. The policy reads: “Members of the Committee cannot serve on the Board of Directors. If elected, they must re-
sign.” A request was made for the Association Executive to determine if a policy change could be made to allow Board members
to be members of the Committee, but not on any panels. The Association Executive will check the Code of Ethics and Arbitration
Manual for policy guidelines.
MLS Committee Report: A report was provided by Tom Heiser as Chairman, on behalf of the committee. Report will be filed. The
Finance Committee approved the purchase of a printer so the MLS can issue custom SentriCards in a timelier manner.
Membership Committee Report: A report was presented by Carmen Bongiovanni, as Chairman, on behalf of the committee. The
report will be filed.
Public Policy Committee Report: A report was provided through the May regularly scheduled meeting of the committee. The re-
port will be filed.
Executive Officer’s Report: A report was given by Dorothy Sperber as Executive Officer. The report will be filed. The Associa-
tion’s building insurance provider will no longer be writing policies for owner occupied businesses. The Association is currently
looking for another provider through its insurance agent.
Unfinished Business: None.
New Business: A motion was made to give a five thousand dollar bonus to Executive Officer, Dorothy Sperber, in recognition of
ten years of service to the Flagler County Association of Realtors. Motion seconded. Motion carried.
FCAR will provide recommendations to Florida Realtors nominating committee for Maria Wells as Treasurer and Christine Han-
sen as Secretary.
The Board will provide tentative approval for startup costs and location for a Toastmaster Club chapter, contingent on confirma-
tion of insurance coverage.
There were no objections to the development of a YPN (Young Professionals Network) for FCAR. All members are welcome to
attend.
A request was made for the Association to provide a program for members that will explain the upcoming implementation of the
Affordable Care Act (ObamaCare) and their options for insurance coverage as independent contractors.