Rapper Agreement

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					                                       BEAVER COUNTY ASSOCIATION OF REALTORS®

                                  REALTOR® RAPPER
                                                                                PRESIDENT'S CORNER

                                  Annnd we’re off !

                                     And running into a new month of listings, closings and
        MAY 2010
                                  Continuing Ed deadlines! We have until May 31st to complete
                                  our 14 hours and submit license registration and the fee
                                  ( $96).
  2010 Officers and
 Board of Directors
                                     There are still some classes available in classrooms and on-
                                  line. Yours Truly completed hers online through www. McKis-
President: Peg Gahles
                                  sock.com. In my humble opinion it was a great venue. I was
President-Elect: Keith DeVries
                                  able to select courses of interest, it was self-paced in the
Secretary: Leslie Chaklos
                                  comfort of my jammies and the price was right. McKissock
Treasurer: Mike Raich
                                  isn’t the only state -certified online school, it’s the one that I
Directors: Michelle Branham
                                  found to suit my needs better.
            Lisa Dowling
            Melissa Hill
                                    Our Affiliates know how to party ! The Night at the Races
            Lisa Hough
                                  was another successful and fun Affiliate-sponsored event. In
            Shirley Lyden
                                  addition to the races, there was a yummy buffet, a Chinese
            Beverly Pietrandrea
                                  auction and a hefty 50/50. We thank the Affiliates for putting
            Lorraine Ross
                                  together a very fine evening.
            Vic (Bill) Smith
            Michael Witterman
                                    June 9th is the Kegger at Two Mile Run in Brighton Twp. For
Immediate Past-President
                                  a measley five bucks ( aka a “fin”) you can enjoy libation or
            Rudy Zetz, Jr.
                                  soft drinks, eat pizza, hoagies and salad lyao. There’ll be an
Affiliate Director:
                                  open mike and karaoke courtesy of Rudy Zetz, Jr..
           Ellen Caputo
Association Executive:
                                     Got Talent ? Bring it… or be a spectator. We have the build-
           Karen Fuller
                                  ing and corresponding shelter. Come and enjoy a card game,
                                  bring your Trivial Pursuit and eat, drink, and be merry !! Don’t
                                  fret..I won’t be singing, but I have a little stand up planned.
                                  The subject ? “You know you’re a Real Estate Geek When….”

                                  Keep on Scratchin’

                                  Cordially ~ Peg
                        GENERAL MEMBERSHIP MEETING
                                    & TALENT NIGHT

 WHEN: Wednesday, June 9, 2010                                 Dinner:
WHERE: Two Mile Run Park                                       Pizza, Hoagies, Salad
        (Gypsy Glen Rd, Brighton Twp)                          and Cake for Dessert.
  TIME: 6:00 pm Registration
        7:00 pm Dinner
  COST: $5.00/person
           (cost subsidized by association)

                                 Reservations are required by JUNE 2nd!!
                                      Call BCAR at 724-774-4126.

  June 9th General Membership / Talent Night                           Upcoming Events:

At the June 9th General Membership meeting instead                            August 11
   of a speaker we will be hosting a Talent Night.                     Association Picnic
          So, if you can sing, dance, juggle                          Two Mile Run Park
          or any other hidden talents we are
          looking for you. We would like a few                              September 1
          definite participants but there will                             PAR Presidential
           also be an open mike for this event.                                 Visit
           If you are interested, please call                              Jeffries Landing
           BCAR at 724-774-4126 and let me
           know what your talent is.                                        November 3
                                                                           Charity Auction
       Put it on your calendar and plan on attending.

                      MEMORIAL DAY IS MAY 31st.
                      REMEMBER AND THANK OUR VETERANS!!!
                                 PRUDENTIAL PREFERRED REALTY, BEAVER
                                      PRESENTS THEIR ANNUAL

                                            MAKE A WISH YARD SALE

                                          SATURDAY, MAY 22nd
                                                  8:00 am
                                       877 Corporation Street, Beaver

                                   PreSale on Friday, May 21 at 1:00pm

     Donations still being accepted: jewelry, small working appliances, office supplies,
     glassware, sports equipment, tools, decorating items, books, videos, toys, seasonal
     items, and furniture. For pick up of large items call Dorothy 724-774-2222 Ext 200.

     New Members: Zita Billman—Coldwell Banker, Cranberry; and Kathryn McCracken—Keller Williams, Beaver

Member Changes: Joyce Beglin of Keller Williams has a new email address….couragetodream@verizon.net
                Joe Croft of Coldwell Banker has a new email address…..joe.croft@pittsburghmoves.com
                Autumn Wilson of Northwood has a new email address…..awilson@northwood.com

   New Affiliate: T.A. Closing Network                             800-899-1051 X 275                  Gregg Hill
                  2831 Banksville Road                         Fax 610-627-8229                        Patti DeGennaro
                  Banksville Business Center                   Email ghill@tafsi.com
                  Pittsburgh, PA 15216

 Congratulations to Anthony Neff of PA Land Title in the birth of his son, Holden Bennett. He was born on
                  April 18th and weighed 7 lbs 9 oz. Mom, Dad, and Son are all doing GREAT!!

                       to Brooke and Michael Witterman of RE/MAX Select in Center, in the birth of their third
                       son, Carter Andrew. He was born on March 9th and weighed 7lbs 8 oz. Mom, Dad, Two
                       Big Brothers, and Baby are all doing GREAT!!

     Condolences to Gloria Brown of Prudential, Beaver and family in the passing of her mother.
                 to Leslie Gruzinski of Key Real Estate and family in the passing of her sister.
                 to Ida Workley of Prudential, Beaver in the passing of her special friend, Bob.

*** If you have something you would like to put in the Rapper, just call BCAR at 724-774-4126 and we will get it in for you. ***
                           All items for the Rapper must be in by the first Friday of each month.
             CONGRATULATIONS to the Affiliates for a great Night at the Races!!
If you missed this event, you missed a great time. This is a way for the affiliates to make money so they are
 able to host other events at little or no cost to you, the members. They raised over $1100. GREAT JOB!!

                 A special “Thank you” for the affiliate volunteers who planned the event,
                       worked the event, or donated items for the Chinese auction.

                      Apromark, Inc                             The Kerr Agency
                      Clearview Federal Credit Union            Pa Land Title
                      Excel Mortgage Group, Inc.                PA Preferred Mortgage
                      HouseMaster Inspections                   Parkvale Savings Bank
                      iMortgage Services                        Penn Suburban Abstract

                  THANK YOU to all the REALTORS® who attended and purchased horses.
                                          Changes to Lead-Based Paint Disclosures
   Hank Lerner, Esq., Director, Member & Legal Services
   Pennsylvania Association of REALTORS®
   By now you have heard about – and probably used – the 2010 revision to PAR’s Agreement of Sale. One of the
   major changes in the Agreement involves the disclosure of lead-based paint hazards for properties built before 1978.
   For many years PAR has incorporated these disclosures into the Agreement of Sale, but in order to more closely
   track the EPA regulations PAR is now recommending that lead-based paint disclosures be done at the time listing
   brokers take the listing.
   To facilitate this change PAR has created the Lead-Based Paint Disclosure Form (Form LPD). Form LPD should
   be provided to sellers by listing brokers along with the seller disclosure form. Once filled out by the seller, this dis-
   closure form can be provided to buyers at the same time as the seller disclosure so they have all the information they
   need before filling out the Agreement of Sale. This one page document (not the entire seller disclosure form) would
   then be attached to the Agreement as an attachment by the buyer.
   Form LPD is currently available as a stand-alone form; you should add it to your listing presentation documents if
   you haven’t already. This form will also be attached to the end of the PAR Seller’s Property Disclosure form (PAR
   Form SPD) as a reminder to use it early in the transaction – although not everyone uses PAR’s disclosure form, and
   not every transaction requires a disclosure form. In the meantime, until practice can shift to providing this at the
   time of listing we still have the LPD linked to the end of the Agreement of Sale as a final double-check for buyer
   agents. If you haven’t received the form by the time you fill out the Agreement, this should remind you to get the
   seller to fill it out.
   For additional information, sample copies of the Agreement of Sale and Lead-Based Paint Disclosure, along with
   explanatory Guidelines, are available on the PAR Web site.

                                                    New REALTOR Benefits® Offering

Marketing & Business Development is pleased to announce the addition of FedEx Office (formerly Kinko's) to its REALTOR Benefits® Pro-
gram roster! NAR Members can now save 20% on select FedEx Office copy and print services, as well as 10% on additional services (such as
banners, signage and direct mail) at more than 1,800 FedEx Office locations throughout the U.S.

LAUNCH DATE:             April 19, 2010            AVAILABLE TO:            All NAR members


20% discount on select FedEx Office black & white and color print and copy services (such as for Brochures, Flyers, Sell Sheets, Newsletters,
and Postcards) * Details on services included can be found at realtor.org/realtorbenefits

10% discount off select additional services including non-core black & white and color print copy services, Direct Mail & Finishing services,
Signs & Graphics. You can choose to print at any FedEx Office location or have final pieces delivered directly to your home or office. Addi-
tional NAR benefit: Starting June 2010, NAR members who enroll in FedEx’s “My FedEx Rewards Program” earn points at a earn rate 25%
higher than that offered through the standard ―My FedEx Rewards Program‖. Benefits of registering include order tracking, ability to save your
preferences and incomplete orders, earn Rewards and receive special promotions & updates.

NAR members already have access to savings of up to 26% on shipping services with FedEx; discounts vary by service:

To register for or to obtain more information on the benefits available on FedEx Shipping Services or FedEx Office Services,
please visit http://www.fedex.com/nar (best viewed in Internet Explorer). Please provide your NAR membership (NRDS I.D.) #
and FedEx Passcode LCRS8P15.
Or call 1.866.869.1171 and mention your NAR membership I.D. (NRDS #) and Passcode 155-13.
Note: you must enroll in the program (FedEx Office, Shipping, & Rewards) prior to visiting a FedEx Office location. The discounts and
rewards will be directly linked to your account number

                            When: Thursday, May 20, 2010
                           Where: Huntington Bank Conf Rm 208 on the second floor
                                  (671 Third Street, Beaver)
                            Time: 6:00pm to 9:00pm

   This class is for the new licensee to real estate. This class reviews the benefits
   of being s REALTOR® member, plus goes over the Code of Ethics which satisfies your
   Quadrennial Code of Ethics Training required for 2012. This class is MANDATORY for
   your membership. Call BCAR at 724-774-4126 for reservation. Seating is limited!!

                            Calendar of Events:
                             May 20      New Member Orientation
                             June 9      General Membership Meeting / Talent Show at Two Mile Run Park
                             July        No Membership Meeting
                             July 21     CASA 8th Annual Golf Outing at Seven Oaks Country Club

                                            CODE OF ETHICS
     Article 11: REALTORS® are knowledgeable and competent in the fields of practice
            in which they engage or they get assistance from a knowledgeable professional,
            or disclose any lack of expertise to their client.

                                FREE Webinars from NAR’s Right Tools, Right Now

This month’s Right Tools, Right Now highlights FREE webinars from NAR, including REALTOR® University’s Webinar
Summit, REALTOR® Safety Webinar, NAR Member Profile Webinar and Health Reform: Impact on REALTORS®

We encourage you to continue taking advantage of these and the hundreds of other NAR products and resources
Available for FREE or AT-COST through NAR's Right Tools, Right Now initiative. A number of new offers and updates
to existing products will be available to help members each month so keep checking www.REALTOR.org/RightTools

Find marketing tools to assist you at www.REALTOR.org/AEMemberToolkit, including new ads and resources to help
you deliver Right Tools, Right Now information to members in 2010.

You can also call Judy Perez, Marketing Concierge, at 1-888-648-8321 for any questions about the Right Tools, Right
Now Initiative, the programs and services included.
The Heart of the Market Program
NAR’s Marketing Group launched The Heart of the Market program on April 15, 2010. Our goal is to engage members in
an activity that will foster the positive relationship between members, State and Local Associations and NAR, as well as
with their clients and communities. A series of Web pages have been created on REALTOR.org through which members
can submit personal stories sharing how being a member of the Association has made a difference to them, to their clients
and their community.

Once the stories are posted to the ‘Gallery,’ members will be able to easily share their story via their personal Facebook
page, Twitter and email. Association staff may also participate in this program, focusing on how being part of the REAL-
TOR® family has made a difference to them, their members and their community. The site www.TheHeartoftheMarket.com
will remain open through 2010.

Program Features:
Members go online and share why they love being a REALTOR® member.
Members will be able to easily share content they upload to consumer-facing Web pages.
Participating members are mailed an ‘I LOVE being a REALTOR®’ magnetic lapel pin.
NAR supplies marketing materials for Associations to use to promote the program.
Select entries will be featured in the gallery on the site and in marketing materials.

The site officially opens April 15, 2010. A complete communications plan utilizes all NAR channels, plus:
Members of NAR’s Leadership Academy contributed pre-launch messages, which will post in the ‘Gallery’ with the official
AT AEI, the NAR Table will have a computer to allow Association staff to share their stories.
President’s Column and ad to run in May issue of REALTOR® Magazine.
Meeting with 30 Under 30 group to announce program, April 16.
Brief video message featuring Vicki Cox Golder, will be edited and posted late April.
RIS Media Magazine column and ad to run in the May issue.

Member Communications:
Communications with members and brokers will begin mid-late April after official announcement at AEI and will continue
through the end of the year. In addition to the above, messages will post in NAR e-newsletters, list serves, and online on

Association Contest:
We are asking for assistance from our Associations to rally members and encourage them to be a part of this ‘movement.’
Associations will have access to a variety of marketing materials supplied by NAR. Additionally, NAR will track members
who participate and credit their State and Local Associations for the submission. Three Association winners will be
awarded various pre-determined prizes based on the percentage of their primary member base who participate.
An overview of the program will be sent to AEs, Communications and Education Directors, RVPs and Committee Liaisons.
Messages will be included in INS newsletters, AE calendar entries, etc. for the duration of the contest (last entries ac-
cepted for contest on July 15, 2010).

To develop and launch this program, Marketing has worked with ITS, Legal, REALTOR.org, Information Central and Publi-
cations, within the organization.

Contact Information:
Bob Goldberg                   Rebecca Daly, 312-329-3285                           Kim DiGangi, 312-329-8387
Senior Vice President          Web pages, Story Review, Pin Distribution,           Association Contest Program &
312-329-8269                   Member and Broker Communications                     Communications to AEs
bgoldberg@realtors.org         rdaly@realtors.org                                   kdigangi@realtors.org
      Beaver County Association of REALTORS®
      650 Corporation Street, Suite 401                Phone: 724-774-4126                 E-mail: bcar3@verizon.net
      Beaver, PA 15009                                 Fax: 724-774-1981                   Website: www.mybcar.com

                                          Affiliate Information Services

    HOME SAVINGS AND LOAN                                                               Phone: 724-770-0700
    Representatives: Julie Needs and Jennifer Hanigosky

    Serve in Western Pennsylvania and Ohio

    Products/Services Offered: Mortgage Lending, Home Equity Loans, Personal and Business, Checking,
       Savings, Money Markets, Credit Cards, CDs, and Investment Services. A Full Service Bank.

   HUNTINGTON BANK                                                                       Phone: 724-561-1033
   Representatives: Ted George

   Serve Most States in the USA

   Products/Services Offered: Conventional 8-30 yrs 5% down, FHA/VA, Portfolio Products, Construction
     Loans, Lot Loans, Grant Fund for First Time Home Buyer through Housing Opportunity of BC, Invest-
     ment Property Loans, Manufactured Housing, and Arms/Balloons

   iMORTGAGE SERVICES, LLC                                                                Phone: 412-445-3102
    Representative: Christopher Seymour

    Serve Nationwide

    Products/Services Offered: RESPA compliant Title and Settlement Services, HVCC compliant Appraisal
       Services, Field Reviews, Broker Price Opinions (BPOs), REO Appraisals, Residency Verifications (Door
       Knocks) Title Searches, and Automated Valuation Models (AVMs)

    INKSTAR LP                                                                            Phone: 724-847-2940
    Representatives: Richard and Susan Fudurich

    Serve all areas

    Products/Services Offered: All your printing and marketing needs: business cards, contracts, and
       direct mail

    Note: Information displayed in alphabetical order and supplied by the affiliates from the 2010 Affiliate Information.

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