BOARD OF DIRECTORS Directors

Luis Rodriguez—President Barb Keleman

Al Makled—President Elect Robert P. Marx

Justin Roy—Treasurer Frederick

Tavolette

Carrie Gandolfo—Past President Sam Baydoun

Benjamin Welch

REALCOMP

GOVERNOR

USER

COMMITTEE

DABOR

STAFF

Dean

Eveslage

Madge

Marks

Laura

Green—CEO

Ted

Easterly

Andrea

Fitzgerald

Victoria

Strojny—

Admin. Asst.

Sandra

Kolar-Alt

Thank you to Rafi Sabbagh

for sponsoring our New

Member Orientation on

Sept. 4th.,

Bill White with Dearborn

Federal Savings bank for

sponsoring our General

Membership Meeting on

Sept. 9th.

and Dan Raines for spon-

soring our Continuing Edu-

cation Class on Oct. 8th.

Sun Mon Tue Wed Thu Fri Sat 1

2 3 4 5 6 7 NAR

Convention

8 NAR

Convention

9 NAR

Convention

10 NAR

Convention

11 12 Con-Ed 13 14 15

16 17 18 19 20 Board

Meeting

21 22

23 24 25 26 27 28 29

30

NOVEMBER 2014

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Dearborn Area Board of REALTORS Names Barbara Stieper REALTOR® of the Year

The Dearborn Area Board of REALTORS (DABOR) has named Barbara Stieper of Century 21 Curran and Christie as its

2014 REALTOR® of the Year. This award is given in recognition of outstanding leadership and service for the associa-

tion, the community and the real estate industry.

Award winners were chosen by their peers and recognized both locally and at the annual Michigan Realtors® Conven-

tion & Expo held at the Amway Grand Plaza Hotel & DeVos Place, October 1-3. Nominees are evaluated on their com-

munity service, education, business accomplishments and service to the Realtor® organization at the local, state and

national levels.

Barbara has been very involved in her long time membership with the Dearborn Area Board of REALTORS. She has

been a Director at the leadership level, a mentor to other REALTORS and a consumate volunteer. Barbara also is very

involved in the Dearborn community serving her neighborhood association and her church in many capasities. We con-

gratulate Barbara in her many accomplishments.

Michigan Realtors® is a 24,450 plus member trade association which protects the rights of private property owners while

serving as the primary source for Michigan housing and real estate data. Michigan Realtors® is comprised of 42 Local

REALTOR® Associations, which adhere to a strict Code of Ethics, established by the National Association of

REALTORS®.

For more information contact:

Joe Kras, Communication Director

Michigan Realtors®

jkras@mirealtors.com

Stun-Gun Laws Kubaton Laws

Click below for detailed video

Clink pictures for more detailed Information

Now available at the DABOR store: Kubaton defensive key chains, Hard plastic

“dog like” defensive key chains, Pepper spray pens.

Make Safety a Brokerage Priority These seven tips from broker-owners and safety trainers will help you create security routines and procedures at your office.

October 2014 | By Erica Christoffer

If her fellow REALTORS® have anything to say about it, Beverly Carter's death will not be in vain.

Carter was a real estate salesperson with Crye-Leike in North Little Rock, Ark., who went missing Sept. 25 after meeting a supposed prospective buyer at a vacant home in Scott, Ark. Five days later, her body was found in a shallow grave about 20 miles away. The alleged killer who posed as the buyer — 33-year-old Arron Lewis — has been charged with capital murder.

“There is not one of us REALTORS® who isn’t touched by this, whether we knew her or not,” says Miki Bass, chief executive officer of the Arkansas REALTORS® Association. “Today, we’re focusing on how we’re going to change things.”

According to the U.S. Department of Labor, there were 25 homicides committed against real estate professionals in 2013, up from 16 in 2012 and 19 in 2011. Broker-owners and managers can take an active role in bringing this number down, Bass says, by rein-forcing security measures with their agents on a regular basis and creating a culture of safe routines at their offices.

“It’s important that every office and every broker come up with a solid [safety] policy and they stick to it. They need to let every agent know that they have to abide by it,” says Bass. She added that Arkansas REALTORS® and their volunteer safety task force aim to create a statewide safety plan, which she hopes to take to the national level.

Use these seven tips to make safety a priority at your office:

1. Enact the CITO (Come Into The Office) rule. Safe culture starts at the top, says Tracey Hawkins, a former real estate

pro turned safety trainer who owns Safety and Security Source. Brokers should require salespeople to screen new clients at their office before meeting them anywhere else. Brokers can also download NAR’s agent information, agent itinerary, and prospect ID forms and adapt them for use in their offices.

“For whatever reason, agents have a hard time asking their clients to show ID because they don’t want to offend people,” says Hawkins. A companywide policy can alleviate some of that pressure. “[People] have to show their ID when they use their credit card, so there should be no hesitation when they’re about to buy a house.”

Owners and managers should also collect agents’ emergency contact information, as well as their vehicle make, model, and license plate, and update the records every six months, Hawkins suggests.

2. Encourage agents to trust their instincts. Deborah Leable, broker-owner of Cornerstone Realty Group in Winthrop Har-

bor, Ill., says she was once called to show a vacant property to a prospective client when, in fact, it was two men casing the house. “I just knew when I got there that something going on,” she says. The next day the home was broken into and all the copper piping was stolen. “Trust your gut and leave. Forget the sale; safety is more important,” Leable advises her agents.

3. Set up a “buddy system.” Leable is asking her 12 salespeople to travel in pairs to a showing or open house. If that’s impos-

sible, she has requested that they text a photo of their client’s license plate to the agent on floor duty. They’ve also set up code words and phrases to speak or text when checking in over the phone.

4. Offer safety education. Whether in-house, online, or through your local or state REALTOR® association, real estate safety

should be a mandatory training, Hawkins says. Hawkins offers continuing education courses; shorter, non-credit training sessions; and webinars. Also, NAR offers a REALTOR® Safety Month presentation that brokers can adapt for their office training program.

5. Make sure practitioners are safe online too. Online leads are often a significant source of business for salespeople. But

make sure they’re investigating their prospective clients — just as the clients are investigating them. Encourage agents to search on Google, at a minimum, or subscribe to a background check service at your brokerage. PeopleFinders.com, for example, offers a criminal check, sex offender records, bankruptcies, court records, judgments, and more for $29.95 per month.

6. Recommend safety apps and products. There are a lot of apps and security products out there, and your job as a broker

is to make sure your agents know about reputable companies. You may also want to consider enterprise systems that provide safe-ty tools to your whole office at a discount.

MyForce: Hawkins describes this smartphone safety app as having someone with you at all times. The user can press the emer-

gency button, and a trained representative will listen in. They will call back to confirm if help is needed and, if there is no response, they will contact law enforcement and give the user’s exact GPS location. Readers will get a free 30-day trial and pay $9.99 per month thereafter (regularly $14.99 per month) with Hawkins’ discount.

GPS Tracker: Leable has outfitted her agents with this app, which turns a smartphone into a tracking and locating beacon so

family, friends, and coworkers can see your whereabouts in real time using Google Maps. Leable’s team often works in remote areas, and they’ve found that the app is able to track their location accurately. It’s free for both iPhone and Android devices.

The Dazzle Defender: This discrete ½-ounce can of pepper spray can be worn attached to a bracelet. Founder and developer

Brooke Scott, who previously worked in the mortgage industry and who was a victim of assault herself, says that a person’s natural instinct when attacked is to drop what’s in their hands to fend off the attacker. But with a pepper spray can attached to the wrist, victims receive those precious extra seconds to get out of a situation. The aerosol canister holds eight bursts of spray. It’s im-portant that agents test the spray in an open area, without wind, so that they understand how it works, and become familiar with the spray pattern. Also, be aware that pepper spray expires. An aerosol can generally has a shelf life of two to three years.

7. Insist on professionalism from clients and agents alike. Scott says it’s also important to think about the words used

by prospective clients. “If someone compliments your photo, for instance, something is wrong because this is a business relation-ship,” Scott says. Hawkins urges real estate pros to invest in a professional head shot for their website. Never allow the use of sug-gestive photos, full body shots, or selfies, as they are often too casual and can send the wrong message.

Tip #1

Keep it light

Show properties before dark. If you are going to be working after hours, advise your associate or first-line supervisor of your schedule. If you must show a property after dark, turn on all lights as you go through, and don't lower any shades or draw curtains or blinds.

Tip #2

Checking-in

When you have a new client, ask him/her to stop by your office and complete a Prospect

Identification Form (Find a copy online at www.REALTOR.org/Safety). Also, photocopy

their driver’s license and retain this information at your office. Be certain to properly

discard this personal information when you no longer need it.

DDABOR Bulletin Board

Continuing Education Requirements

State Licensing Requirements

During the 3 year licensing cycle each agent must complete a minimum of 2 hours approved legal coursework

each year. In addition, each agent must also complete 12 hours of approved coursework of their choice. The

additional 12 hours of coursework may be completed anytime during the 3 year cycle.

**New licensees

In the first and second year of the license cycle, licenses issued on or after November 1 of the current year do not

require con ed for the current year. In the third year of the license cycle licenses issued on or after July 1st no con

ed is required.

Cycles-2010-2012 / 2013-2015 / 2016-2018 / 2019-2021 etc.

DABOR Presents along with NCI and Associates 6 hours of continuing education

including 2 hours of yearly mandatory legal update. The following dates are

scheduled for 2014. Check-in for all classes is 8:30am. Class time is 9:00am-

3:30pm. Lunch is included. All students must register and pay prior to class.

No walk-ins.

November 12

December 16

Legal Hotline

From the NAR Code of Ethics

Article 3

Realtors® shall cooperate with other brokers except when cooperation is

not in the client’s best interest. The obligation to cooperate does not include

the obligation to share commissions, fees, or to otherwise compensate

another broker. (Amended 1/95)

Click for full Article

QUESTION:

Prior to their death, my parents deeded their cabin

to my brother and me as “joint tenants with rights

of survivorship.” Can I deed my interest in the

cabin to my daughter?

ANSWER:

Yes, but your daughter’s interest in the cabin will

automatically terminate upon your death unless you

outlive your brother.

Open Enrollment Begins Nov. 15

Open enrollment for qualified major medical health plans under the Affordable Care Act begins Nov. 15. REALTORS® Insurance Marketplace, a REALTOR Benefits® Program partner, has resources available to help you alert your members to this upcoming time

period. Resources include educational material, banner ads, and the opportunity to request personal

assistance.

“I have to have a raise in my commission,” the agent said to his manager. “There are three other companies after me.” “Is

that so?” asked the manager. “What other companies are after you?” “The electric company, the telephone company, and

the gas company.”

When my husband came home that evening, he told me, laughing, that my sign was the most truthful one he had ever seen.

Confused, I rushed outside to take a look. In my haste I had printed – “For Sale by Ower.” - See more at: http://

capropertyfinder.com/real-estate-jokes-pictures-comics-cartoons-humor-one-liners/#sthash.4GSkEFUt.dpuf

NAR Annual Survey Reveals Notable Decline in

First-time Buyers Media Contact: Adam DeSanctis / 202-383-1178 / Email

WASHINGTON (November 3, 2014) – Despite an improving job market and low interest rates, the share of first-time buyers fell to its lowest point in nearly three decades and is preventing a healthier housing market from reaching its full potential, according to an annual survey released today by the National Association of Realtors®. The survey additionally found that an overwhelming majority of buyers search for homes online and then purchase their home through a real estate agent. The 2014 National Association of Realtors® Profile of Home Buyers and Sellers continues a long-running series of large na-tional NAR surveys evaluating the demographics, preferences, motivations, plans and experiences of recent home buyers and sellers; the series dates back to 1981. Results are representative of owner-occupants and do not include investors or vacation homes.

The long-term average in this survey, dating back to 1981, shows that four out of 10 purchases are from first-time home buyers. In this year’s survey, the share of first-time buyers* dropped 5 percentage points from a year ago to 33 percent, representing the lowest share since 1987 (30 percent).

Lawrence Yun, NAR chief economist, says there are many obstacles young adults are enduring on their path to homeowner-ship. “Rising rents and repaying student loan debt makes saving for a downpayment more difficult, especially for young adults who’ve experienced limited job prospects and flat wage growth since entering the workforce,” he said. “Adding more bumps in the road, is that those finally in a position to buy have had to overcome low inventory levels in their price range, competition from investors, tight credit conditions and high mortgage insurance premiums.”

Yun adds, “Stronger job growth should eventually support higher wages, but nearly half (47 percent) of first-time buyers in this year’s survey (43 percent in 2013) said the mortgage application and approval process was much more or somewhat more difficult than expected. Less stringent credit standards and mortgage insurance premiums commensurate with cur-rent buyer risk profiles are needed to boost first-time buyer participation, especially with interest rates likely rising in up-coming years.”

The household composition of buyers responding to the survey was mostly unchanged from a year ago. Sixty-five percent of buyers were married couples, 16 percent single women, 9 percent single men and 8 percent unmarried couples.

In 2009, 60 percent of buyers were married, 21 percent were single women, 10 percent single men and 8 percent unmar-ried couples. Thirteen percent of survey respondents were multi-generational households, including adult children, parents and/or grandparents.

The median age of first-time buyers was 31, unchanged from the last two years, and the median income was $68,300 ($67,400 in 2013). The typical first-time buyer purchased a 1,570 square-foot home costing $169,000, while the typical re-peat buyer was 53 years old and earned $95,000. Repeat buyers purchased a median 2,030-square foot home costing $240,000.

When asked about the primary reason for purchasing, 53 percent of first-time buyers cited a desire to own a home of their own. For repeat buyers, 12 percent had a job-related move, 11 percent wanted a home in a better area, and another 10 percent said they wanted a larger home. Responses for other reasons were in the single digits.

According to the survey, 79 percent of recent buyers said their home is a good investment, and 40 percent believe it’s

better than stocks.

Continue to full article

Accuspect Home Inspection Co. (734) 678-0975 -

Dale Raines

Adam's Cleaning Services, Inc. (313) 561-3303-

Adam Seccombe

American Home Shield (800) 800-8880 - John M.

Light

America's Preferred Home Warranty (800) 648-

5006 - Jeff Becker

Assenmacher and Associates P.C. (313) 277-

5800 - Jerome E. Assenmacher

Cutco Closing Gifts (248) 703-9938 - Adam

Swintek

Dearborn Federal Savings Bank (313) 565-3100 -

William White

Dearborn Federal Savings Bank (313) 322-8239-

Peggy Richard

EHomeScore.com (248) 912-5512 - Frank Mas-

troianni

First American Title Insurance (734) 692-9914 -

Frank Lucarelli

Flagstar Bank (313) 271-1260 - Rafi Sabbagh

Home Inspection by Pros (734) 483-3400 -

Robert Armstrong

Housemaster Inspection Services (888) 848-0202

- Tom Rusco

Morse Moving & Storage, Inc. (734) 484-1717-

John Green

Parks Title (313) 505-6606 - Mark Jefferson

PNC Financial Services (734) 281-5219 - Ali

Shami

PrimeLending A Plains Capital Company (313)

274-6500 - Chuck Hage

Reckingers Heating and Cooling (313) 562-3456 -

Steve Krstevski

Sam’s Club (734) 285-4754 - Lorene Rome,

Gabriel Martinez

Title Solutions Agency, LLC (734) 259-7130 -

Brad Nolit

Title One Inc. (734) 427-8006 - Bernie Youngblood

Title One Inc. (313) 561-6631 - Debbie Kudla

Vis-Home (734) 945-0396 - Boris Ko-

chubievsky

Wells Fargo Home Mortgage (515) 213-4291- Jim

Linnane

December 2014

Sun Mon Tue Wed Thu Fri Sat

1 2 3 Pro Standards

Training 8:15–

12:00

4 5 6

7 8 9 General

Membership

Meeting

10 11 New Member

Orientation

12 13

14 15 16 Con-Ed 17 18 Board Meeting 19 20

21 22 23 24 25 26 27

28 29 30 31