April 2004

Member of the National Real Estate Investors Association (NaREIA)

– Continued Page 2

UpcomingMeetings& Seminars❏ March 30 – Hendersonville Fo-

cus Group meeting: 6:30 p.m., BayBreeze Restaurant, Henderson-ville. Group Leader: Tom Boyd,tandcboyd@mchsi.com or 697-6716.

❏ April 6 – New & Beginning Inves-tor meeting: 6:30 p.m., Ryan’s,Patton Avenue. Group Leader:Judy Clodfelter, 828-683-4799 orsilversrosebud@aol.com.

❏ April 12 – Haywood – West Fo-cus Group meeting: 6:30 p.m.,Connie’s Kitchen Restaurant.(Hazelwood). Group Leader:Linda Marquis,627-9300, or

by Scott RisterSometimes you

can’t see the forestfor the trees and somaybe your ap-proach in real estateneeds some “out-side the box” think-ing.

Have you ever:1) Not made an

offer because you didn’t know thetotal repairs needed on the proper-ty.

2) Just didn’t feel comfortablewith your knowledge of propertyvalues to make an offer.

3) Didn’t know 100% for sure ifyou could close on the deal if youroffer is accepted.

What this all means is TRULY

Make Thousands With One Sentencewe’re only limited byour imagination increative real estate.So, if you fit any ofthe above listeditems, take a moreopen approach withOPTIONS!

Now, options arenot anything new increative real estate,

but they may be in the way youshould be using them. One thing Ihave learned and that was poundedin my head through the school ofhard knocks is now my one motto:

“Am I prepared legally and financial-ly to handle the absolutely worst-case sce-nario on this deal if my offer is accept-ed?”

Lead Poisoning, Plumbing Topics For April Meeting

Meetings are held the second Tuesday of eachmonth at 6:00 p.m., A-B Tech Enka Campusoff I-40 at exit 44, .5 miles west on 19/23 to-ward Candler. Coming from I-40 toward Can-dler on 19/23, turn left at Sandhill Road andthe new campus (old BASF plant) will be onyour left.

At CREIA’s regularmonthly meeting April13, Don Cox, formerowner of Just Parts onHaywood Road inWest Asheville, will bethe Hot Seat speaker.

Some of our membershave found plumbing fixtures andparts for their renovating needs andhighly recommend this shop. Donteaches courses about finding theparts you need and how to do therepairs properly. He will tell us

the questions to askfor hiring the rightplumber.

The main programwill feature Isaac Cole-man of the Lead Poi-soning PreventionProgram of the Uni-

versity of North Carolina.He will provide information aboutHUD rules and regulations con-cerning remodeling, renovating ordoing maintenance work in pre-1978 housing when lead paint is

present as well as tell us about class-es that offer more detailed info.Certainly anyone who owns, rents,flips or otherwise deals with olderhomes should be aware of this infor-mation.

– Continued Page 2

2

CREIA ReportCREIA Report is published monthly. Newsletter editor is Neva

Steffens.Articles submitted are the express opinions and comments from

various independent CREIA members and outside sources.CREIA members are urged to submit articles for publication.

Deadline for articles to be published is the third Monday of eachmonth at 5 p.m.

Send your article to Neva Steffens, P.O. Box 6443, Asheville, NC28816, or by email to neva888@charter.net.

If the answer to the above posedquestion is “no,” then I either don’tdo the deal or change my offer. Ionly want deals that are no-brainersand can’t lose. In fact, I would rath-er do one great deal, versus 10 mar-ginal deals, if my “worst-case” sce-nario would have a possibility ofhappening.

I feel to become a truly successfulcreative real estate investor, you def-initely MUST use options when theyare needed to minimize your riskand those dreaded “worst-case” sce-narios that eventually happen to usall.

There is one sentence you canuse in your contract that can turn inordinary “Offer To Purchase” into astraight option, minimizing yourrisk:

“Seller grants buyer exclusive 30day (60, 90) option to purchaseproperty at said price and terms.”

If I feel a deal is marginal at best,but still think there may be a possi-ble opportunity, then I will use myoption clause on any offer I make.For example, I may be concernedabout the length of time it will takeme to find a qualified tenant/buyeror if there is enough equity in the

property to wholesale it. In fact, forall those wholesaling properties, Ifeel this is an absolute must clausethat you must utilize.

Many of those wholesaling prop-erties simply are cash-strapped,which means you really have to uti-lize options just like I have outlinedhere, since you aren’t in a strong fi-nancial position to buy/hold prop-erties.

I’m simply not going to get stuckwith a deal that doesn’t lead me toprofits and cashflow ... and neithershould you! If the deal doesn’tmake total financial sense minimiz-ing your risks, then put a total limiton your risk with a straight optionon your offer.

Now, don’t let your fear and evenlack of knowledge limit your abilityto make significant wealth in real es-tate. Good hunting, as luck, has ab-solutely nothing to do with it!

© Copyright Scott RisterScott Rister is an industry expert on

finding motivated sellers. Since workinghis first wholesale deal with a truly moti-vated seller, Scott has done hundreds ofdeals continually refining his marketingand wholesaling skills. Scott is the au-thor of many bestselling home studycourses including “Find All The Moti-vated Sellers You Can Handle” and “In-stant Cash Wholesaling Houses.”

provision1@charter.net.❏ April 19 – Experienced Inves-

tor meeting: 6:30 p.m., SkylandFire Department (upstairs).Group Leader: Judy Clodfelter,silversrosebud@aol.com, 828-683-4799.

❏ April 20 – Mobile Home FocusGroup meeting: 6:30 p.m.,Ryan’s, Patton Avenue. GroupLeader: Jennifer Woodard,jwoodard@main.nc.us, 828-230-8613.

❏ April 26 – Finance Focus Groupmeeting: 6:30 p.m., Skyland FireDepartment (upstairs). GroupLeader: John Delk, 828-698-7626 or johndelk@aol.com

❏ April 27 – Hendersonville Fo-cus Group meeting: 6:30 p.m.,Bay Breeze Restaurant,Hendersonville. Group Leader:Tom Boyd, 828-697-6716.tandcboyd@mchsi.com.

NOTE: Focus Groups are a benefitof membership in CREIA.

A guest may visit a group ONCEonly. Thereafter, the cost to visit anyCREIA Focus Group is $15 per visit.All Focus Groups are held in andaround Asheville, NC, unless otherwisenoted.

Sentence– From Page 1

Meetings– From Page 1

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By Larry H. GoinsHas everyone heard about the three most important

things in real estate? I think we all have.The first thing you hear when starting out is “loca-

tion, location, location”! This is good to know especial-ly if you are buying for long term appreciation or youare looking for higher end or nice properties that youcan lease-option to tenant buyers or retail for cash.

I want to share with you what I feel are the threemost important things in real estate investing. Keep inmind that I am speaking from investing in real estateas a business. The three most important things in realestate to me are “make offers, make offers and makeoffers.”

Real Estate as in any business requires prospects.Our prospects are sellers, tenants and buyers if you sellyour properties. I want to concentrate on the sellers.The more sellers you not only meet but make offers to,the more properties you will buy.

Let’s look at it this way. How many offers did you

The Three Most Important Things In Real Estatemake last month? One,two, three or ten? I canguarantee you (and Idon’t make many guaran-tees) that the number ofproperties that you pur-chased this month are indirect proportion to thenumber of offers that youmade last month!

Wow, is this simple orwhat? If you want to buymore properties, justmake more offers! Neverget off the phone with aseller or Realtor before

making an offer. Do not be afraid of making a mistakeby offering too much because you are always going tomake your offers subject to an inspection, your part-

– Continued Page 4

4

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Call or Email to get our FREE weekly Email of wholesaleproperties, articles, newsletters and upcoming meetings!

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www.FinancialHelpServices.comWE ALSO BUY HOUSES! ANY CONDITION!

ANYWHERE! CASH! CALL LARRYLarry GoinsFHS President

& MeREIA President704-651-4040 Direct

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Wendy@financialhelpservices.com

Office: 803-831-0056 • Fax: 803-831-0805Toll Free: 1-800-526-3054

ner’s approval or satisfactory appraisal or somethingsimilar. You can get out of a contract if you do this. Be-sides if you are always embarrassed by your offer, youwill do fine.

Just remember that when dealing with sellers, espe-cially Realtors, you want to do your homework upfrontso you are not rescinding on a lot of offers. Nothingwill hurt your reputation more with Realtors than notfollowing through with a purchase. We have actuallyclosed on deals that we may have passed on or theyturned out to be marginal just to keep the good willwith the Realtor. This can go a long way to get youmore deals from the Realtor, and we buy most of ourproperties from Realtors.

If you need help analyzing a deal to see if it is reallya deal, we have a property analysis form we use. We ac-tually use it when we are making hard money rehabloans as well as determining whether or not we are go-ing to buy a particular property to keep or wholesale.

You can download a copy free on our website,www.financialhelpservices.com. Just click on the Inves-tor application/forms tab and then click on the RehabLoan Property Submission Documents and there it is!You can also sign up for our free weekly newsletterwhile you are there if you want. So let’s get out thereand make some offers!

Important– From Page 3

Upstate Carolina Real Estate In-vestors Association will present“One Weekend Toward A Better Fu-ture” on Friday, April 16 throughSunday April 18 at the EmbassySuites, Greenville, S.C.

Cost for members registering onor before April 5 is $195 and non-members are $245. After April 5,add $10 to those prices.

Topics covered include: Why in-vest in real estate; how the numbers

Upstate CREIASponsors Basics Class

work; how to know what to pay; howdo taxes impact; figuring your returnon investment; building wealth orcash flow from single families; findingthe right property; finding financing;management skills; rehabilitationskills; and legal concerns.

Class hours are Friday, 4 - 9 p.m.,Saturday, 8:30 a.m. - 5:30 p.m., andSunday 8:30 a.m. - 5:30 p.m.

For information, call (864) 542-4202

It is the availability, not the cost, of cashthat is important.”

– Ron Legrand, Real Estate Guru

Scotty Blaylock,William C. Brady, Jr.Karen SearleCharlie BrosterAnthony CarsonTom CommeauJulie CouchWinifred TaylorScott DeavenportTony GrahamGlenda TaffDavid HensonAnnette HensonWayne KaleSally Kale

April MembershipExpirations

Kevin KelleyMike LalumondierDon MarkumDan MerminStephy CitronStephen MorganTeresa MorganBrian MorrowJeff PeisnerClifton PerrySharon Perry Scott SalikJames SturdevantRebecca Sturdevant

5

6

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the comfort of your own home? Need a focused planand a kick to get you past the fear? This telephone-group provides support, accountability and ideas.

One Complementary Group orIndividual Coaching Session available,

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Their is a belief that if you devel-op the right relationship with resi-dents that they will be less likely tocontact a governmental agency andbe more likely to work cooperative-ly with you. Here are a few tips tostart the relationship off right.

New residents are always amazedto find immaculate cleanlinesswhen they first move in.

Always strive to erase any remind-er of previous residents in vacantrentals. Old kitchen paper towelhangers and paper towels are re-moved. Left over coathangers aregone from closets. Bathtub decalsare not in evidence and old brooms,mops and dirty doormats go in thetrash. I love to hear, “This placelooks brand new!” from prospects

Developing Happy Residents On Day Oneor new residents.

Simple things asthe following itemscan create a greatfirst impression oflasting maintenanceawareness: fresh rollsof toilet paper in thebathroom, drinkingwater/cups in thekitchen, a brand newdoormat, a 16 foothose on the outdoorfaucet, and a beauti-ful blooming plant atthe front door. Each time I show arental, I rake the carpet anew tokeep that “never lived in before”look. Try going one step beyondyour competition and paint drawer

interiors, medicine cabinetinteriors; scrub the interiorof the trash containers withhot soapy water; clean andscrub the garage floors andeven paint the garage walls(if the garage is included aspart of the deluxe rentalpackage).

If you selected the rightresident to begin with, andthen started the relation-ship right, you should lookforward to a long relation-ship. Selecting the right res-

ident starts with checking theircredit report

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Locally Owned

by William BronchickMany consumers assume that

“mortgage companies” are banksthat lend their own money. In fact,a company that you deal with maybe either a mortgage banker or amortgage broker.

A mortgage banker is a directlender; it lends you its own money,although it often sells the loan tothe secondary market. Mortgagebankers (also known as “direct lend-ers”) sometimes retain servicingrights as well.

A mortgage broker is a middle-man; he does the loan shoppingand analysis for the borrower andputs the lender and borrower to-gether. Many of the lenders

through which the broker findsloans do not deal directly with thepublic (hence the expression,“wholesale lender”).

Using a mortgage banker cansave the fees of a middleman andcan make the loan process easier. Amortgage banker can give you di-rect loan approval, whereas a bro-ker gives you information second-hand.

However, many mortgage banksare limited in what they can offer,which is essentially their own prod-uct. In addition, if you present yourloan application in a poor light,you’ve already made a bad impres-sion. I am not suggesting you lie ormislead a lender, but understand

that presenting a loan to a lender islike presenting your taxes to theIRS; there are many ways to do it,all of which are valid and legal. Us-ing a mortgage broker allows you to

Mortgage Broker vs. Mortgage Banker

– Continued Page 8

Banker Vs.

Broker

8

present a loan application to a different lender in a dif-ferent light (and you are a “fresh” face).

A mortgage broker charges a fee for his service, buthas access to a wide varietyof loan programs. He alsomay have knowledge of howto present your loan appli-cation to different lendersfor approval. Some mort-gage bankers also brokerloans. As an investor it iswise to have both a mort-gage broker and a mortgagebanker on your team.

SIDE NOTE: MORT-GAGE BROKERING. Keepin mind that mortgage bro-kering is an unlicensed profession in many states. Ifthere is no licensing agency to complain to in yourstate, make sure you have personal references beforeyou do business with a mortgage broker.

Choosing A Lender. Choosing a lender that you wantto work with involves several factors, not the least ofwhich is an open mind. You need a lender that canbend the rules a little when you need it and get the jobdone on a deadline. You need a lender that is largeenough to have pull, but small enough to give you per-sonal attention. And, most of all, you need a lender thatcan deliver what it promises.

1. Length of Time in Business. Since the mortgagebrokering business is not highly regulated in moststates, there are a lot of “fly-by-night” operations. Badnews travels faster than good news in business, so badmortgage brokers don’t last too long. Look for a com-pany that has been in business for a few years. Checkout the company’s history with your local Better Busi-ness Bureau. If mortgage brokers are licensed with yourstate, check to see if any complaints or investigationswere made against them. Also, ask for referrals fromother investors and real estate agents. 2. Company Size.A company that is too big can be problematic becauseof high employee turnaround. Also, the proverbial“buck” gets passed around a lot. If you are dealing witha mortgage broker, it is often a one-person operation.Dealing with a one-man operation may be good interms of communication if he or she is a “go-getter.”

On the other hand, the individual may be hard to get ahold of, since he or she is answering the phone all day.A small to mid-sized company is a good bet. You will beable to get the boss on the phone, but he or she willhave a good support staff to handle the minor details.Also, a mid-sized company may have access to more

wholesale lenders than a one-personcompany. 3. Experience in InvestmentProperties. It is important to deal witha mortgage broker or banker that hasexperience with investor loans. Owner-occupant loans are entirely differentthan investor loans. And, it is importantthat the broker or lender you are deal-ing with has a number of different pro-grams. It is often the case that you findout a particular loan program won’twork, in which case you need to switchlenders (or loan programs) in a heart-beat to meet a funding deadline.

Excerpt from William Bronchick’s highly acclaimed book,“Financing Secrets of a Millionaire Real Estate Investor”

Banker vs. Broker– From Page 7

9

This article is excerpted in part from Stephen Cook’s course,(“Rehabbing for BIG Cash: A Real Life Guide to RetailingHomes.”

It is easy to be intimidated by the size of a rehabproject, particularly ifyou’ve never tackled onebefore. This chapter breaksdown the steps involved incompleting a renovationfrom start to finish and re-moves some of the mystery,and, hopefully ,some of thefear, surrounding a renova-tion. I hope you find it auseful tool when eyeing your next fixer upper.

Step One – Meet With Contractor and Define JobWhen starting a rehab, the very first thing that I do

is walk through and evaluate the project myself. ThenI set up a meeting with my contractor to get his inputand finalize my strategy, including how to handle cer-tain repairs and whether or not we’re going to makeany changes to the basic layout of the property. Nowthat I work exclusively with one general contractor, mylife is much easier since I only have to meet one per-son. He contacts everyone else and then relays the re-sults of his conversations with them to me.

As a result of my experience, I’m becoming fairlyadept at determining the best way to do the work.Therefore, my contractor usually winds up completingthe projects in the way that I envision. However, hedoes offer advice and I’m always open to suggestionsas to better or cheaper ways to get the job done.

Step Two – Define Job and Buy MaterialsOnce we meet and determine the work we are going

to do, my contractor and I put together a draw sched-ule. This is usually required by the lender and lists theorder in which we intend to complete the work re-quired. I like to shift things around to keep the cashflow coming from the lender. My contractor likes to dothings in an order that makes his life easier. We usuallysettle on something in between.

Step Three – Phase One: DemolitionThrough experience, I have finally learned to do my

entire “demo” first. I used to get into my homes andstart the jobs immediately. However, this meant wewere constantly working around trash, having to haul

trash away, etc. Now, I just get a dumpster or two at thevery beginning of a job, bring in a crew, and begin torip everything out. We clean out all the trash and tearout the kitchen, bath(s), drop ceilings, paneling, floor-

ing, and anything else that might get in ourway of completing the job properly and effi-ciently.

Step Four – Phase Two:Roof, Windows and Siding

The rest of the job typically begins on theexterior of the home. We start with the roofin order to ensure that the inside of thehouse stays dry, and usually I’ll have the win-dows and siding done at the same time. One

reason I like completing the entire exterior ratherquickly is that it starts to attract attention from theneighbors and people who drive by.

Step Five – Phase Three: Plumbing and HVACThe next two items on my list are the plumbing and

the heating and air conditioning system. In the past, Ihad contractors who didn’t do the plumbing right awayand it only led to disaster. After they hung, finished andpainted all of the sheet rock in the home, they turnedon the water only to find that there were pipes burst inthe walls. Today, I ALWAYS make my contractor check

out the plumbing first, in-cluding the sewer lines.

It is important to have aworking heating system inthe home upfront so thatmuch of the interior work,particularly the finishingand painting of the sheetrock, can be done. Whilethe plumber is working, I’llhave an HVAC crew install-ing a new heating system,which consists of a new gas

furnace and central air conditioning. I haven’t alwaysreplaced functional HVAC systems and even today, ifthe current system is fairly new, I will avoid it. Primari-ly, though, I always install completely new systems.

Finally, if the electrical system needs to be updatedin any way, I usually do this while the HVAC system isbeing installed. In many instances, if I am installing

Taking The Fear Out Of Rehabbing

– Continued Page 10

central air conditioning in ahome that didn’t have it previous-ly, the electrical system will needto be updated to accommodatethe central air. Other than this,which isn’t always necessary, Irarely have to do any electricalwork in my homes.

Step Six - Phase Four: Framingand Subfloors

Once the exterior and theHVAC, plumbing and electrical systems are done, I be-gin to address areas such as rotten wood, tearing downwalls and building new ones. Of course, if I’m going toremove or build a wall containing plumbing and/orelectric, then my crew has to do it before or duringStep Five. I make an effort to finish the basement ofevery house that I renovate. It creates more livingspace, and for many of my buyers, my finished base-ment is the reason that they buy my home.

Step Seven - Phase Five: Sheet Rock (Drywall)Once I have completed all of the major systems, then

I begin to do my sheet rock (a.k.a. drywall). If at all pos-sible, I prefer to just skim and patch the walls, but Ifrequently put a lot of new sheet rock in my homes.Hanging and finishing the sheet rock is something thattakes a while, but is goes a long way toward making anold house look new.

Step Eight - Phase Six: PaintingOnce all of the sheet rock is done, we get paint on

the walls. First, we’ll put a coat of primer or a light firstcoat of paint on the walls and then have the sheet rockcrew fix any flaws, which won’t show up until there ispaint on the walls. As soon as the flaws are repaired,we’ll put two more coats of paint on the walls.

Step Nine - Phase Seven: Installing New Kitchensand Baths

Once the paint is on the walls, we get our vinyl floorsin the kitchens and baths before installing all the newcabinets, commode, vanity, etc. We usually take ourkitchen dimensions to Lowe’s or Home Depot andhave them design the kitchen for us. It makes my con-tractor’s life easier and we always get the right size cab-inets with a good fit.

Step Ten - Phase Eight: Punch Out

Once the kitchens and baths are installed, we startto wrap everything up. Contractors usually refer to thisas their “punch out” and consists of all the little de-tails such as outlets, switchplates, and light fixtures.Many times, a homeowner will walk through and cre-ate a punch list with the contractor. Since we’veworked together for so long, my contractor alreadyknows what needs to be done and we don’t need to dothis.

Sometimes it seems like the punch out is the hard-est part of the whole renovation since it takes so longto complete everything on the list. However, this is alsothe part of the job that makes your renovation a goodone or an excellent one.

Step Eleven - Phase Nine: CarpetingSince we don’t want workers ruining the new car-

pet, this is the very last thing we install. We usually putnew wall-to-wall carpeting throughout.

Step Twelve - Phase Ten - Clean Up and Landscap-ing

At this point, the home should be finished and we’llbegin the clean up. Since you want your homes tostand out, it is important to get them clean and look-ing like a million bucks. If I’m going to do any land-scaping, it is usually done here as the last thing.

Step Thirteen - Phase Eleven - MarketingOnce the home is com-

plete, I immediately beginmarketing it. If the area ishot and the home is going tomove quickly, then some-times I’ll start marketing be-fore completion, but most ofthe time I prefer to have theentire job done before allow-ing people to see the home.

Step Fourteen - PhaseTwelve - Final Repairs Required

Once the home is under contract with a buyer, theymay select to use a home inspector and their lenderwill order an appraisal. As a result of the inspection orappraisal, you may need to do additional repairs. Thenthe inspector or appraiser will reinspect the propertyto make sure the repairs have been done before issu-ing their final approval.

Stephen Cook is an author and active investor in Balti-more, MD. Layne Parker, US Land Company, Inc., 6245 N.24th Parkway, Suite 202, Phoenix, AZ 8501, 800-808-6349Ext. 7.

10

Rehabbing– From Page 9

10

Each month the CREIA newsletter reaches aselect group of active real estate investors.If you have a trade, service or business, orproperty to sell or exchange or any otheradvertising need, run an ad in thisnewsletter.

Rate ScheduleMember Non-

MemberBusiness CardSize $ 12.50 $ 18.751/4 Page Ad $ 24.00 $ 37.501/2 Page Ad $ 50.00 $ 75.003/4 Page Ad $ 75.00 $ 112.50Full Page Ad $ 100.00 $ 150.00Insert $ 150.00 $ 225.00

Set Up ChargesIf ad is not camera ready, the followingtypesetting/setup charge will be added tobill: Full page $50; 3/4 Page $40; 1/2 Page$30; 1/4 Page $20; Business Card Size $10;revisions to completed ads will be chargedby time: $35/hr.

Deadline and PaymentAll advertisements must be prepaid andreceived no later than the secondWednesday of each month for the nextmonth’s issue. Mail check (payable toCREIA) to PO Box 615, Asheville, NC 28802.Mail or email ad (camera ready or roughedout) to The Word Shoppe, P.O. Box 5504,Asheville, NC 28813. Email:dave@wordshoppe.com.

Editing and Right of RefusalCREIA reserves the right to edit ads or torefuse ads.

Corporate SponsorshipCorporate Sponsors may display theirpromotional materials and business cards atthe monthly meeting on the sponsors’ table.Each sponsor has an opportunity to talkabout his/her business at a scheduledmonthly meeting and/or write an article forthe newsletter.(New Members: $150 • MembershipRenewal: $100)

Option A – Six business card ads and sixquarter-page adsMembers Cost - $300Non-Members Cost - $325Option B – 12 quarter-page adsMembers Cost - $350Non-Members Cost - $400

CREIAAdvertising

Rates

New members: $150 • Membership Renewal: $100 ($25 for a second member living in the same household)Note: All members will receive a renewal form by U.S. mail during the month of their expiration. Each memberwill have sixty days in which to renew his membership at the lower $100 or $125 (with significant other livingat the same address) rate. However, after sixty days have elapsed, the cost of joining as a new member will be

reinstated at the full rate of $150 or $175.

Member Name

2nd Member’s Name

Address

Phone: H W E-Mail Address

Level of Experience (check 1) ❏ Novice

❏ Intermediate

❏ Advanced

Would you be willing to share your expertise with others? ❏ Yes ❏ No

Committee(s) I might be interested in working on:

❏ Programs ❏ Library

❏ Finance ❏ Membership

❏ Newsletter ❏ Focus groups

❏ Marketing

❏ Newsletter subscription only ($50 a year)

Date Amount Paid

Make check or money order payable to: CREIA and mail to: CREIA, P.O. Box 615, Asheville, NC 28802.

If paying by credit card: ❏ Mastercard ❏ Visa

Name On Card

Number: Expiration Date

Signature:

For membership information, call Pamela Anderson 828/687-9048. • www.creianc.org

The Association is an educational organization only and does not offer investment, legal, or accounting advice of any

kind and is not liable for any action or inaction taken or not taken as a result of its communications.

CREIA Membership Application

11

SHOW & SELL

If you have a property for sale orsomething you are interested in,single family, duplex, mobilehome, land, etc., that you wouldlike to offer/ask for during Show &Sell at the CREIA meeting, pleasefax info to Debbie Bucklaew at 828-452-5202 or by email beaumont-rentals @aol.com by Friday beforethe monthly meeting.

CREIA OFFICERS

PresidentDebbie BucklaewHome: (828) 454-0235beaumontrentals@aol.com

Director OfProfessional StandardsTom CommeauHome: (828) 253-3925commet@blueridgepaper.com

SecretaryLinda MarquisHome: (828) 627-9300provision1@charter.net

National SpeakersJohn MaltryWork: (828) 252-6858johnmaltry@cs.com

ProgramsSami ForrestHome (828) 654-7574Office (828) 771-2665s.c.forrest@att.net

MembershipNicole Rogers(828) 252-4501nbedell@hotmail.com

CommunicationsNeva Steffens828/230-1499neva888@charter.net

Education DirectorPamela Andersonpjcross@charter.net

TreasurerLangdon AmmenWork/Fax: (828) 285-0123Home: (828) 258-0262lammen@worldnett.att.net

Director MarketingBrian Fuchs(828) 251-1400brian@windsweptmarketing.com

Public Policy CommitteeNeal Peak(828) 667-5498

Focus GroupsJudy Clodfelter(828) 683-4799silversrosebud@aol.com

CREIA is an educational organization and investors should consult an attorney or accountant before making aninvestment. All members and guests assume the risk of making their own investment decisions.

CREIA Info Line — (828) 255-2727 — info@creianc.orgwww.creianc.org Event Registration: 1-800-477-1778

Web CommunicationsBob Wieselman(828) 254-5416bob@brighteye.com

Office Manager/BookkeeperPat WilliamsHome: (828) 684-6311cole-williams@charter.net

President - Upstate CREIADeb Sisson(864) 313-2101Debsisson@WeBuyHousesSC.com

General InformationUpstateCREIA@yahoo.comBill Clark(864) 542-4202

Upstate CREIA

PRSRT STDUS POSTAGE

PAIDAsheville, NCPermit 413

PO Box 615Asheville, NC 28802

828-255-2727Fax: 828-255-8042

“If we knew whatwe were doing,

it wouldn’tbe research.”

– AlbertEinstein