deltacurrents

DELTA ASSOCIAT ION OF REALTORS ®

November 2014 | www.de l taaor .com

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Random and not so random thoughts on C.A.R. Fall Meetings, Anaheim

A. Property Assessed Clean Energy (PACE) Lien• APACElienisforfinancingofenergy savinghomeimprovements.Basically,a homeimprovementloan.• Paymenttorepayfinancingisdone throughhomeowner’staxbilland collectedaspartofthe taxbill.Counties collecta%of paymentsasa collectionfee.• Questionarisesonlien priority…shouldPACE beseniororjuniorto firstmortgages?• C.A.R.supported2008 PACElegislation because,unlikeMello- Rooswhichis mandatoryforthe communityserved, PACEprovides forvoluntary“opt-in”.Itisanindividual homeowner’soption.• PACEliensstaywiththepropertyeven aftersold,andwillcontinuetobecollected onthenewowner’staxbill.• PACEcanbepaidinfullbyhomeownerat anytime,therebyremovingthelien.• Question;Doestheenergyupgraderesult inanincreaseofthehome’svalue, therebyoffsettingthecost?• Upto10%ofthehome’sassessedvalue canbeloanedtoqualifiedhomeowners.

B. Pocket Listings: A big concern• C.A.R.puttingattentiononthispractice because…• Arepropertyownersadequately representedwhenexposuretothegeneral marketisnotprovided?Whatestablishes marketvaluebetterwhatabuyeriswilling topay?• Isthepracticeofpocketlistingin

compliancewithourCodeofEthics?(See articles1&3)• Isthispracticeanappropriaterecruiting tool?• Inwhatwaydoesapocketlistingbenefita seller?

C. Solar owned vs. leased equipment and disclosures• ThisisanewissuerequiringRealtor

expertise.Whatandhowtodisclose?• Istheleaseofsolar equipmentrecorded (itshouldbe)?Checkwith yourtitlecompany.Ifnot itwon’tshowuponthetitle report.Thenwhathappens?

D. The new RPA due in November• YoujustHAVETOATTENDa C.A.R.trainingclass.• 8pagesto10pages…new and,yes,simplified.

• Manydisclosuresincorporatedinthe 11/14revision,eliminatesome additionaldisclosures.• Otherassociatedpurchase agreementsanddisclosuresrevisedtoo. (SeeC.A.R.“November2014Form ReleaseQuickSummary”availableat www.car.org.)

Asyoumightguess,manytopicsimportanttoourbusinesswerediscussedindetail.YouareencouragedtoattendfutureC.A.R.BusinessMeetings.LookontheC.A.R.websiteforinformationregarding:

2015 Meetings:January28-31–IndianWells

April22–25–Sacramento (Legislative Day too) October7–10–SanJose

Seeyouthere!

2014 OFFICERSRon Keefer, PresidentJames Britto, President-ElectErrol Mooney, TreasurerScott MacIntyre, Immediate Past PresidentJohn Bedford, Secretary

2014 DIRECTORSJohn CanningMary Jane DukellisMonica MalcuitJodi MarfiaLori OgorchockRena ProvencioJerry SotoCecily TipperyLynn Valintis

STAFFJohn Bedford, Association ExecutiveNEW EMAIL: JohnB@deltaaor.com

Tonia Nielsen, Chief Operations Officertonia@deltaaor.com

Jean Ruelas, Manager- Retail Operationsjean@deltaaor.com

Barbara Baham, Members Service Directorbarbara@deltaaor.com

yourdarteamNOVEMBER 2014

Delta Association of REALTORS®3428 Hillcrest Avenue, Suite 200, Antioch, CA 94531Phone 925 757 8283Fax 925 757 8393info@deltaaor.com

Delta Currents is the official monthly publication of the Delta Association of REALTORS®. Although every effort has been made to ensure the accuracy and thoroughness of this publication, errors may occur. DAR shall not be held liable for misinformation, typographical errors, omissions, and/or misprints in editorial and/or advertising materials.

Delta Currents is published byMichelle Manos Design.

To advertise in Delta Currents, contact Michelle Manos at 831 869 5084 or michelle@michellemanosdesign.com

DAR HoursTUESDAY - FRIDAY 8:00am - 5:00pm

MONDAY 9:00am - 5:00pm

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sANTIOCH/PITTSBURG/BAYPOINTEvery Tuesday

Delta Association of REALTORS®

3428 Hillcrest Avenue, Ste. 200, Antioch

8:30am • $2

Group does use Paragon to

Schedule homes on tour. Must attend

the Marketing Meeting the Morning of

tour to confirm open house. Agent or

representative must hold open from 9:30-

11:00.For more information call Ramesh Suman,

Majestic Homes, 779-1234, or Ralph Garrow Jr.,

Ralph Garrow Real Estate, 366-6676

DISCOVERY BAY/BYRONMARKETING MEETING & TOUR1st and 3rd Tuesday

Board Walk Grill at the Marina, Discovery Bay

9:00am • $2

Group does use Paragon to schedule homes on

tour. Open tour and must be in by Noon onMonday.

Homes on tour are open from 9:30-12:00.To place a home on tour you must attend the meeting prior to the week the house is on tour.

For more information call Christine Wallin

Sasville Properties 525-7402

OAKLEY/BETHEL ISLAND/BRENTWOOD/KNIGHTSENMARKETING MEETING & TOUREvery Wednesday

Black Bear Diner, 3201 Main Street,

Oakley • 8:30am • $2

Group will use Paragon to schedule homes on tour.

For more information contact Dan Barnes,Tour

Coordinator,

759-4648.

CONTRA COSTA REALTORS® IN MOTIONCONTRA COSTA NORTHMartinez, Pacheco, Pleasant Hill,

Concord, Walnut Creek, Clayton,

Clyde

Every Tuesday

8:30am • $10

Centre Concord, 5298 Clayton Rd.,

Concord

Doors open at 8am for breakfast

www.ccrim.info

REALTORS® MARKETING ASSOCIATIONCONTRA COSTA SOUTHDanville, San Ramon, Blackhawk,

Diablo, Alamo

Every Thursday

San Ramon Community Center,

12501 Alcosta Blvd., San Ramon

8:30am • $5

Doors open at 8am for breakfast

No formal tour

www.RMAtoday.com

INFORMAL TOURSMartinez, Pacheco, Pleasant

Hill, Concord, Walnut Creek,

Clayton,Clyde, Rossmoor, Orinda,

Lafayette, Moraga

Tuesday between 9:00am and 2:00pm

Danville, San Ramon, Blackhawk,

Diablo, Alamo

Thursday between 9:00am & 2:00pm

Nov. 7-10 NAR Conference New Orleans

Nov. 11 DAR Closed Veterans Day 8 a.m. - 5 p.m.

Nov. 12 Budge & Finance Committee Meeting 10 a.m. - 11 a.m.

Nov. 13 Executive Committee Meeting 9:30 a.m. - 11 a.m.

Nov. 14 Local Government Relations 8:30 a.m. - 9:30 a.m.

Nov. 17 Legal Updates with CAR Neil D. Kalin 11 a.m. - 12 p.m.

Nov. 18 Delta Realtor Community Service Foundation 1:30 a.m. - 3 p.m.

Nov. 19 GRI Trust Fund Management – Fair Housing 8:30 a.m. - 5 p.m.

Nov. 19 New Members Orientation 8:30 a.m. - 12 p.m.

Nov. 20 Board of Directors Meeting 9 a.m. - 11 a.m.

Nov. 26 DAR Closed at NOON

Nov. 27 DAR Closed Thanksgiving

Nov. 28 DAR Closed

Dec. 5 Holiday Open House 11:30 a.m. - 3 p.m.

Dec. 11 Executive Committee Meeting 9:30 a.m. - 11 a.m.

Dec. 16 Budget & Finance Committee Meeting 10 a.m. - 11 a.m.

Dec. 18 Board of Directors Meeting 12 p.m. - 3 p.m.

Dec. 17 GRI Technology Applications in Real Estate 8 a.m. - 5 p.m.

Dec. 24 DAR CLOSED ½ Day 12 p.m. - 5 p.m.

Dec. 25 DAR CLOSED Christmas Day

Dec. 26 DAR CLOSED

Dec. 31 DAR CLOSED ½ Day Inventory 12 p.m. - 5 p.m.

Jan. 1 DAR CLOSED New Year’s Day

Jan. 16 DAR Installation Banquet 6 p.m. - 11 p.m.

Jan. 19 DAR CLOSED M.L.King Jr. Day

Jan. 20 Delta Realtor Community Service 9:30 a.m.- 11 a.m.

Foundation Board

Jan. 22 Executive Committee Meeting 9:30 a.m. - 11 a.m.

Jan. 27 Budge & Finance Meeting 10 a.m. - 11 a.m.

Jan. 29 Board of Directors Meeting 9 a.m. - 11 a.m.

yourcalendar

welcomenewmembersREALTORS®Stephanie BurtonBHG-Mason-McDuffie R.E.5887 A Lone Tree WayAntioch776-2740 FAX 776-2741

Elia GurumendiBHG-Mason-McDuffie R.E.5887 A Lone Tree WayAntioch776-2740 FAX 776-2741

Antoinette SullivanBHG-Mason-McDuffie R.E.5887 A Lone Tree WayAntioch776-2740 FAX 776-2741

Leonda AddisonCES Premier Real Estate1317 Buchanan Rd., Pittsburg432-3600 FAX 432-3020

Alison FedorchakHomes By Krista5149 Lone Tree Way, Antioch978-9431 FAX 252-8182

Julie MayjoffoRealty One Group Elite5119 Lone Tree Way, Antioch978-1100 FAX 706-8203

Vincent SkaggsRealty World Pigati & Russell100 Cortona Way, Ste. 150Brentwood513-4004 FAX 513-4330

Jody RoaRE/MAX Blue Line5005 Lone Tree Way, Ste. CAntioch754-6100 FAX 754-6120

BROKERSCarrie ColemenDelta Bay Realty640 Bailey Rd., #465Pittsburg301-7445 FAX 952-7441

Donna HaroHaro Real Estate1090 Shary Circle #BConcord470-5019

Savings & Investment Products • Traditional Savings• Money Market Savings• Industry leading Certificate Investments • Traditional, Roth and SEP Individual

Retirement Savings and Certificate Accounts

Checking• Free eChecking with MasterCard®

Debit Card* with no minimum balance requirement

• Fee-Free ATM Transactions at Thousands of CO-OP Network & CU24 ATMs

Lending to Fit Your Needs • Vehicle Loans• Personal Loans & Lines of Credit• Home Loans, Refinancing and Home Equity

Lines of Credit

Your Own Virtual Branch• Remote Check Deposit• Online Bill Pay• Electronic Internal & External Transfers• Electronic Statements• Alerts & Secure Messaging

Not a Member? Not a Problem! All REALTORS® and immediate family members are eligible for lifetime membership!

Join online today, here’s how:1. Visit REALTORSFCU.ORG2. Click “Membership” to learn more3. Click “Membership Application” to

get started

Have Questions?Call a Member Care representative 24-hours a day at 866.295.6038.

Must meet REALTORS® Federal Credit Union (RFCU) membership eligibility. Membership requires opening and maintaining a primary share savings account with a $100 minimum balance. Rates, terms, conditions and services are subject to change. RFCU savings are federally insured by the National Credit Union Administration (NCUA).*No monthly service fee. Other fees may apply. Please refer to the Schedule of Fees and Charges at REALTORSFCU.ORG for details.

Where you and your money

belong

REALTORS® Federal Credit Union is dedicated to serving the financial needs of REALTORS® like you!REALTORS® FCU offers customized products & services to meet the unique financial and cash flow needs of REALTORS®. You deserve the freedom to manage your finances when and where you want to.

GF1101

Join onlinetoday!

EBRDI Paragon TrainingFree to MLS SubscribersSteven Pean, InstructorWednesday, Nov. 5, 2014 Paragon 5 Essentials9 a.m. – 12 p.m.M.O.R.E. and Partner MLS1 p.m. – 4 p.m.To register call EBRDI at 363-2333Or logon to EBRDI.com

Legal UpdatesNeil D. Kalin, C.A.R. Assistant General CounselMonday, Nov. 17, 201411:00 a.m. – 12:00 noonTo register call DAR office 757-8283(seating is limited)

GRI ClassMoney Making Strategies for SuccessWednesday, Nov. 19, 20148 a.m. – 5 p.m.To register call GRI at 888-785-4800 orwww.eDesignations.com

New Members OrientationWednesday, Nov. 19, 20148:30 a.m. – 12 noonDAR office 757-8283

GRI ClassTechnology Applications in Real EstateWednesday, Dec. 17, 20148 a.m. – 5 p.m.To register call GRI at 888-785-4800 orwww.eDesignations.com

All Classes are held at the Delta Association of REALTORS®3428 Hillcrest Ave., Ste: 200, Antioch, except as otherwise noted

dareducation

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Space reservations and artwork are due by the 25th of the previous month. The previous issue’s advertisement will be published unless the Publisher is otherwise notified and new artwork received by the Publisher. We are pleased to assist our advertisers with preparation of their advertisements at no charge.

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# of monthsBeginning Issue

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agrees as follows:ADVERTISERAddress

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February 2014

deltacurrents

deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN. For advertising information, contact Michelle Manos at michelle@michellemanosdesign.com or 831 869 5084.

• DeltaCurrents is an eMagazine that features a link to your email and/or website.• AFFORDABLE RATES AND SIZES Preferred rates for DAR members!• CORE READERSHIP DeltaCurrents reaches some 1,000 REALTORS® and Affiliates in Eastern Contra Costa County - Antioch, Bay Point, Bethel Island, Brentwood, Byron, Discovery Bay, Knightsen, Pittsburg, and Oakley. • EDITORIAL Articles feature issues of importance to the real estate community, including information about national, state, and local real estate news, REALTOR® safety, legal issues, special events, technology, education, philanthropy, and more.

• FREE AD DESIGN Design services are free for advertisers! • DISTRIBUTION DeltaCurrents is emailed to REALTOR® and Affiliate members of the Delta Association of REALTORS® monthly. Twelve annual issues are available as downloadable PDF’s on the DAR’s website.•THE PUBLISHER Michelle Manos Design specializes in publishing periodicals and other publications for REALTOR® associations, non-profit organizations, and many other businesses. The MMD team has over 40 years of experience in award-winning publishing, marketing, and graphic design programs. MMD serves clients throughout California and the USA.

PLACE YOUR AD IN

THE OFFICIAL ONLINE PUBLICATION OF THE DELTA ASSOCIATION OF REALTORS®

AD SPECIFICATIONS

Email contracts and artwork tomichellemanos@gmail.com

• Submit artwork as a pdf,tif, psd, or packaged InDesign file

• Space reservations and artwork are due the 25th of the prior month

• We will design your ad at no charge, and you may change it at no cost throughout your contract.

ADVERTISING RATESFebruary 2014

deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN. For advertising information, contact Michelle Manos at michelle@michellemanosdesign.com or 831 869 5084

HALF PAGE VERTICAL3.65 X 10

QUARTER PAGE3.65 X 5

HALF PAGE HORIZONTAL7.5 X 5

BUSINESS CARD3.5 x 2

FULL PAGE8.5 x 11

Page size is

8.5” x 11”

•

Ad can bleed

deltacurrents

MEMBER RATES (per month)

Full Page Half Page Quarter Page Business Card

NON-MEMBER RATES (per month)

Full Page Half PageQuarter Page Business Card

6-12 months 1-5 months

1-5 months6-12 months

70 7540 6025 3510 20

90 100 65 75 40 45 25 35

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TheDeltaRealtorCommunityServiceFoundationwantstothankallinvolvedwiththe7th Annual Rocktoberfest Rock ConcertheldOctober25,2014atCedarCreekStablesinBrentwoodCA.

Ourgeneroussponsorswere:PrudentialCaliforniaRealtyPearsonProperties;TheBrentwoodPress;TheLoanLadies-ProspectMortgage;JohnShanerofShanerBoat

Works;CathleenGriebling,ColdwellBanker;LeonardBriones,PacificFundingGroup;JerryRincon,QualityInvestmentGroupLLC;ShawnGlisson,AllSystemsRainguttersandJeffScalier,BlueStarHVAC.

SpecialthankstoTheRealEstateGuide&CedarCreekStablesfortheircontinuedandgeneroussupport.Andofcourse,thankstoallthe

peoplewhoattendedthisyear’seventtoRock-OnandRock-Outforourcommunity.YourgenerositywillcontinuetosupportLocalHighSchoolScholarshipsandFoodBankswithinEastContraCostaCounty.

CathleenGriebling,Member Delta Realtors Community Service Foundation Board of Directors

ROCKTOBERFESTA Big Success and Heartfelt Thanks!

Sandy Strobel, Maggie Hurtado ,and Cathleen Griebling

Rocktoberfest Gathering