The Greater Lakes Association of REALTORS®

MESSAGE FROM THE PRESIDENT

As we begin our new fiscal year, I want to thank the leadership team and staff for all of the hard work this past year. Successes over the last year included the Dialing for Dollars, receiving National recognitions as the first Board to use the program and raise money for RPAC; the continued fight for property rights and against legislative changes that would negatively affect our members, and the start of our REALTOR® store in the GLAR office. I again look forward to the new year with new ideas, and working with the leadership team as we push forward with goals of making our organization stronger, and taking a look at processes and technologies to help provide our members the latest and greatest programs. With new programs and changes we all need to communicate and work together to help with the decisions of our Board. I challenge everyone to get involved in some way over the next year. How can I get involved:

Committees Attending Events Attending Breakfast, Lunch or Happy Hour with the President Respond to Calls to Action

We as the leadership team want to hear from you and want to work together to continue to strengthen our organization. Keep selling and Get Involved. T. J. Simon Wolff & Simon Real Estate tjsimon@unitelc.com 218-366-1455

VOL. 2015, ISSUE 10 REALTOR® ADVISOR OCTOBER

Informational Websites

Department of Commerce - www.commerce.state.mn.us

Greater Lakes Association of REALTORS® - www.greaterlakesrealtors.com

Minnesota Association of REALTORS® - www.mnrealtor.com

National Association of REALTORS® - www.realtor.org

LETTER FROM YOUR CEO I have heard from many of you that it has been a banner year! Congratulations! According to the MLS, it has been! Over 18 of our 24 area cities had more sales this year than last year. And the year is not over yet! Inventory is still fine and Interest rates are still stable. It is still a good time to buy and sell!! Just as your business is doing great, so is the Association's. Our membership has grown slightly, as every year members come and go. Our Affiliate membership and our MLS Only memberships have grown. Membership numbers continue to be constant. Your Board and the committees have been very busy with the new Core Standard requirements from the National Association of REALTORS®. This is a year long process. Some of these requirements have us participating in our communities through:

donations to our local food shelves and the Salvation Army keeping abreast of what our communities are doing on the local governance level meeting with our local representatives and hosting Home Stretch classes.

And the Association itself has to be in compliance: making sure the Association provides technology services to their members that the bylaws, policies and financials are all in order.

We have had exciting events this past year that we will extend to this year. So be looking for:

the Grand Event at Grandview Holiday Party in November REALTOR® Ring Day the Annual RPAC Dinner our Expo in February which will be a joint venture with the Builders Association and renamed the

MMBA & GLAR Education and Product Showcase the Annual Golf Extravaganza Town Hall Meetings And of course, our education programs that start this month. GLAR is offering over 90 hrs of

education this year. Be professional - be educated And I can't forget our New REALTOR® Store! Check it out - it's in the office.

MNAR has opportunities for you as well. be a professional standards hearing panel member join in the Broker Breakfast Series join a committee attend a GRI education class.

So, what do I say. Get involved with your Association! Board and committee members realize what an opportunity it is to be involved and in the forefront of what is happening on the national, state and local levels. Through your commitment to the REALTOR® Organization, to your personal business and your company, we are able to achieve a common goal, success. Good Luck and have another banner year!

Janie Weston, CEO, RCE janie@greaterlakesrealtors.com 218-828-4567

OCTOBER 2015 REALTOR® ADVISOR PAGE 2

GLAR AFFILIATE SPOTLIGHT

RiverWood Bank is a network of 10 community banks located in nine different communities in Northern and Central Minnesota. We have a long history of meeting the needs of the communities we serve in both Consumer and Business Banking along with Home Lending Services. Better Banking … Real Solutions demonstrates RiverWood Bank’s commitment to providing a full range of financial services along with the expertise to provide our customers with solution-based advice. With this, our customers will also get a high level of personal service to make them feel that they have a special relationship with our bank. Our goal is to become an innovative, reliable, trustworthy banking partner. In 2004, RiverWood Bank opened Branches in Baxter and Crosslake where we provide a complete line of top quality products and services to customers living throughout the Central Lakes area. For information or to speak with a banker or lender, visit the Baxter Office at 14633 Edgewood Drive or call (218) 824-8400. Visit the Crosslake Office at 36139 County Rd 66 or call (218) 692-6663.

OCTOBER 2015 REALTOR® ADVISOR PAGE 3

OCTOBER CONTINUING EDUCATION 10-21-15 Module - Agency Law, Fair Housing, Legal Update 8:30 - 12:15 3.75 hrs credit Chris Prescott, Speaker

This course will provide real estate licensees with knowledge of Agency relationships and duties in Minnesota. Information will also be shared on RESPA, marketing services agreements and the new loan estimate form. This class meets the Agency and Fair Housing Minnesota CE requirements. Module requires a test to be taken and passed to receive credit. ___________________________________________________________________________________

10-21-15 Forms Update 2016 1:15 - 5:00 3.75 hrs credit Mike Brennan, Speaker

In this class, agents will learn about the new changes made to the Minnesota Listing contracts, Buyer Representation contracts, Purchase Agreement and the following addenda: Counter Offer, Seller Contribution, 1-time showing, Well Disclosure, Sellers disclosure and alternatives, As-Is, conventional and VA financing and more. We also cover the new Loan Estimate and Closing Disclosure as required by the Consumer Financial Protection Bureau’s TRID requirement. ___________________________________________________________________________________

10-22-15 Avoid Censure, Suspension and Revocation 8:30 - 12:15 3.75 hrs credit Mike Brennan, Speaker

In this class, agents will learn about the Minnesota Department of Commerce’s enforcement actions, what transgressions to avoid and spot and how to steer clear of any complications stemming from someone’s activities. By examining recent rulings, case studies and general discussions, agents will learn situations to avoid and possibly report. __________________________________________________________________________________________

10-22-15 Negotiate with Confidence 1:15 - 5:00 3 hrs credit Mike Brennan, Speaker

Agents will learn skills in negotiation to assist in getting offers accepted, contracts signed and consumers engaged in the real estate sale. Many times, agents run into negotiations which run aground. With this class, we explore and examine the many options, tactics and solutions to stalled negotiations. __________________________________________________________________________________________

10-27-15 FHA Property Analysis: 8:00 - 5:00 8 hrs credit Primer for Appraisers and Real Estate Brokerage Professionals

This course identifies FHA appraisal-related standards, and the requirement to observe, analyze and report specific FHA requirements. __________________________________________________________________________________________

10-28-15 New Member Orientation 9:00 - 3:30 2.5 hrs credit

You are a REALTOR®, now what? This mandatory class will get you up to speed on all three aspects of the REALTOR® organization. Fulfills the NAR Ethics requirement. __________________________________________________________________________________________

10-28-15 Code of Ethics 1:00 - 3:30 2.5 hrs credit

This class will inform licensees of professional ethics in real estate. It will explore common scenarios faced by real estate professionals and their legal and ethical duties when these situations arise. Fulfills the NAR Ethics requirement. __________________________________________________________________________________________

These courses have been approved by the Minnesota Commerce Department for the number of hours specified in each course description above, for real estate and/or appraiser education.

Go to www.greaterlakesrealtors.com, Education, to read detailed descriptions of classes and to register. Remember, education cards are ON SALE through October 31!

OCTOBER 2015 REALTOR® ADVISOR PAGE 4

$TOP

Buy your 2015-2016 GLAR

Education Card NOW and $AVE!!

This card entitles you to 80+ hours of approved education and includes the MAR required module.

$95 through October 31 (new and current members)

$125 after October 31 (current members)

$175 non-member cost

Register at www.greaterlakesrealtors.com

Mail a check, give us a call, or drop by the GLAR office for your card

(We accept Visa and MC)

Education Cards are non-refundable. Valid through September 2016

note: this card does not cover any fines incurred if you don't pre-register or cancel classes

OCTOBER 2015 REALTOR® ADVISOR PAGE 5OCTOBER 2015 REALTOR® ADVISOR PAGE 6OCTOBER 2015 REALTOR® ADVISOR PAGE 4OCTOBER 2015 REALTOR® ADVISOR PAGE 5

23rd Annual GLAR Golf Classic

OCTOBER 2013 REALTOR® ADVISOR PAGE 6OCTOBER 2015 REALTOR® ADVISOR PAGE 6

A tremendous THANK YOU to all our Affiliates and everyone who

sponsored holes, donated wine for the Foundation Wine Wall, and donated prizes.

We couldn't do it without you!!

American National Bank, Atlas Abstract, A. W. Research Labs, Bank Forward, BlackRidge Bank, Brainerd Dispatch,

Brainerd Savings & Loan, Bremer Bank, Cygneture Title, Deerwood Bank,

Digital Horizons, First American Title, First National Bank, Frandsen Bank, GLAR, Gold Key Home Inspection,

Home Team Home Inspections, Insty Prints, Klein & Fleming Insurance, Leer Title, Mid MN Federal Credit Union,

MN Homes Matter, Mortgage Lending Services,

Neighborhood National Bank, Nor-Son, PrimeLending, Range Water Conditioning,

Real Property Management Deluxe, Surety Home Inspection, Tanner Motors,

Tradition Mortgage

First Place: Todd Peterson, Ben Duhn, Mark Pietig, Jaime Rowlette (not pictured)

Hole In One! Gary Johnson

Thanks to Gary Johnson, Dave Ellingson, and Becky Butcher!

Last, but certainly not least, Jackie Paine, Dan Haskett, Stacy Cummings

Check out www.greaterlakesrealtors.com, Events, Past Events, for many more photos!

OCTOBER 2013 REALTOR® ADVISOR PAGE 7

2015 - 2016 GLAR Annual

Installation of Officers

GLAR President T. J. Simon and Patty Zuzek, MNAR President Elect.

GLAR 2015-2016 Leadership Team: Sheila Holley, Rebecca Sellnow, Shayna McCulloch, Becky Sandelands, Trista Oseland, Brad Wadsten, Galen Johnson, Laurie Moe-Greer, Carrie Lee, T. J. Simon.

Deb Kline, Sandy Smith, Sheila Holley, Michelle Barstow, Tom Pierce, award recipients.

MN RPAC gave Senator Carrie Ruud a donation. MN RPAC dollars at work!

GLAR AFFILIATE MEMBERS

COMPANY CONTACT EMAIL AgStar Home Mortgage Jody Garceau jodie.garceau@agstar.com American National Bank Kurt Muesing kmuesing@anbmn.com American National Bank Loren Alexander lalexander@anbmn.com Arro Land Surveying of Brainerd Eric Lee eric.lee@surveymn.com Atlas Abstract & Title Nate Jensen njensen@atlasabstract.com A.W. Research Labs Sara Ahlers sara@awlab.com B. Johnson & Assoc., LTD Tad Johnson tad@brainerdcpa.com Bank Forward Roxanne Olson roxanne.olson@bankforward.com BlackRidge Bank Sandy Bebler sandy.bebler@blackridgebank.com BlackRidge Bank Darlene Hardy darlene.hardy@blackridgebank.com Brainerd Dispatch Linda Hurst linda.hurst@brainerddispatch.com Brainerd Savings & Loan Sam Horn sam.horn@brainerdsavings.com Brainerd Savings & Loan Carol Donato carol.donato@brainerdsavings.com Bremer Bank Becky Butcher bjbutcher@bremer.com Bremer Bank LeeAnn Hohenstein lahohenstein@bremer.com Bremer Bank Gary Johnson gljohnson@bremer.com Cabin & Home Inspection Service Daniel Elstad dan.elstad@hotmail.com Cass County Robert Yochum robert.yochum@co.cass.mn.us Central Choice Insurance Group Brian Sedlachek bsedlachek@sagepointadvisor.com Central Water Testing Lab Margaret Devorak cwtestinglab@gmail.com Citizens National Bank Jeanie Coborn jcoborn@cnbbank.com Citizens National Bank Kathy Henry khenry@cnbbank.com Citizens National Bank Vicki Stewart vickis@cnbbank.com Complete Title Deb Kline dmkline@firstam.com Consolidated Telecommunications Co. (CTC) Andy Isackson andy.isackson@ctctelecom.net Crow Wing County Abstract Co. Doug Junker dougjunker@cwcac.com Cygneture Title & Abstract, Inc. Bill Goers billg@cygnetureonline.com Cygneture Title & Abstract, Inc. Suz Pohl suzep@cygnetureonline.com Deerwood Bank Becky Eckelman beckye@deerwoodbank.com Deerwood Bank Brad Houge bradh@deerwoodbank.com Deerwood Bank Casey Kannel caseyk@deerwoodbank.com Deerwood Bank Tony Loosbrock tonyl@deerwoodbank.com Deerwood Bank Julie Mohs julieh@deerwoodbank.com Digital Horizons LLC Chris Schucker chris@digitalhorizonsmn.com Eagle Vision Home Inspection Bill Anderson billand@brainerd.net Edina Realty Title, Inc. Katie Bahma katiebahma@edinarealtytitle.com Elite Title & Escrow Shayna McCulloch shayna@elitetitle.co Eye Spy Home Inspections Shane Meyer shane@eyespy-homeinspections.com First National Bank Troy Friberg troy.friberg@fnbwalker.com Frandsen Bank Jerry Graham jgraham@frandsenbank.com Frandsen Bank Malissa Tandeski mtandeski@frandsenbank.com Gold Key Home Inspection Service Paul Misener paul@goldkeyhome.com HealthSource Chiropractic-Progressive Wellness Dillon Remmick drremmick@gmail.com Hedlund Chiropractic, P.A. Bryan Hedlund doctorhedlund@yahoo.com Hi-Tech Home Inspections Todd Peterson hitechhomeinspections@outlook.com Home Team Inspection Team Larry Lee lakesarea@hometeam.com Insty Prints Ron Morris ron@brainerdinsty.com J & J Professional Home Inspections James Brown muskie46@q.com KC Companies, Inc. Cory Hendricks cory@kccompaniesinc.com Klein & Fleming Insurance Services, Inc. Brad Fleming brad@kleinfleming.com

APRIL 2015 REALTOR® ADVISOR PAGE 10 APRIL 2015 REALTOR® ADVISOR PAGE 6 APRIL 2015 REALTOR® ADVISOR PAGE 7 OCTOBER 2015 REALTOR® ADVISOR PAGE 8

GLAR AFFILIATE MEMBERS

COMPANY CONTACT EMAIL Klein & Fleming Insurance Services, Inc. Mike Koop mike@kleinfleming.com Lakes Area Habitat for Humanity Mary Zimmermann mary.zimmermann@lakesareahabitat.org Larson Abstract Co. Roxanne Matsen rmatsen@larsonabstract.com Leer Title Services Ineke Leer ineke@leertitle.com Members Cooperative Credit Union Travis Betley travis.betley@membersccu.org Mid MN Builders Association Colleen Faacks cmfaacks@brainerd.net Mid MN Federal Credit Union Ginger House ghouse@mmfcu.org Mortgage Lending Services, LLC Mike Engel mike.engel@trustonefinancial.org Navigator Home Inspections Jonathan Kline jonathan@navigatorhomeinspections.com Neighborhood National Bank Maria Orlowski morlowski@pnbmora.com Noble Escrow & Title Krista Fogarty kfogarty@nobleescrow.com Nor-Son, Inc. Renee Johnson renee.johnson@nor-son.com Odor Eliminators Jay Kellner odoreliminators02@gmail.com People’s Security Company Jason Cave cave@peoplessecurity.com Pine Country Bank Katie Kapus Jackson katie@pinecountrybank.com PrimeLending Laurie Whitlow lwhitlow@primelending.com Property Source Crystal Reed crystalr@brainerd.net Randall State Bank Todd Brown todd.brown@randallstatebank.com Range Water Conditioning Jim Randell jim.randell@rangewater.com RiverWood Bank Jaime Rowlette jaime.rowlette@riverwoodbank.com ServiceMaster Bill Bailey jackie@servicemasterretka.com Stonegate Mortgage Brandon Larson brandon.larson@stonegatemtg.com Surety Home Inspection Team, LLC David Strunk suretyhome@gmail.com Tanner Motors Jeremy Ryder jeremy.ryder@tannercompanies.com Tradition Mortgage Lynn Mittelsteadt lynn@homeloanmn.com

GLAR COMMITTEES

OCTOBER 2015 REALTOR® ADVISOR PAGE 9

Budget Bylaws Education Public Relations/Marketing Brad Wadsten, Chair Rebecca Sellnow, Chair Adam Kalenberg, Chair Carrie Lee, Chair Jody Fischer T.J. Simon Paul Heinlen Brad Fleming Galen Johnson Jody Fischer Renee Nieman Suz Pohl Jim Ruttger Carrie Lee Suz Pohl Rebecca Sellnow Dennise Sonnee Linda Steffen T.J. Simon MLS Committee Dinah Sundberg

Becky Sandelands, Chair Dennis Hollermann Membership Jack Antolak Special Events Laurie Moe, Chair Jim Eisler Governmental Affairs/RPAC Shayna McCulloch, Chair Lynn McCarthy Galen Johnson Jeff Kruschek, Chair Becky Butcher Suz Pohl Rod Osterloh Connie Glass Sindy English

Jim Ruttger Kevin Goedker Linda Kaiser Strategic Planning- Doug Kern Mike Koop Forward Thinking Technology Dolly Matten Carolyn Olson Trista Oseland, Chair Kevin Merten, Chair Mike O'Connell Kelly Pearson Colleen Goedker Linda Steffen Carrie Ruud Rebecca Sellnow Sheila Holley Marv Strong Brad Wadsten Malissa Tandeski Brad Wadsten Matt Wadsten Brian Wallin Laurie Whitlow Jennifer Werhan

OCTOBER 2015 REALTOR® ADVISOR PAGE 10

GLAR LEADERSHIP TEAM 2015-2016

GLAR President GLAR President Elect GLAR Past President T.J Simon Carrie Lee Sheila Holley tjsimon@unitelc.com carrielee@kw.com sheilaholley@edinarealty.com 218-366-1455 218-454-4300 218-838-5933 GLAR Director GLAR Director GLAR Director Galen Johnson Trista Oseland Becky Sandelands galen@unitelc.com tristad@wrtower.com becky@sandelandsrealty.com 218-255-0345 218-839-5784 651-270-6681 GLAR Director GLAR Secretary GLAR Treasurer Jeff Kruschek Laurie Moe Brad Wadsten jeff@remax-centralmn.com lauriem@upnorthpropertysearch.com bradwadsten@edinarealty.com 320-630-7837 218-838-7816 218-828-7000 Affiliate Director Budget Chair Special Events Chair Shayna McCulloch Brad Wadsten Shayna McCulloch shayna@elitetitle.co bradwadsten@edinarealty.com shayna.@elitetitle.co 218-829-4450 218-828-7000 218-829-4450 Technology Chair Membership Chair Governmental Affairs Chair Laurie Moe Jeff Kruschek lauriem@upnorthpropertysearch.com jeff@remax-centralmn.com 218-838-7816 320-630-7837 Education Chair Marketing Chair GLAR Foundation President Carrie Lee Jim Christensen carrielee@kw.com jim@lakeshorebroker.com 218-454-4300 218-820-2147 MNAR Director MNAR Director Bylaws Rebecca Sellnow T. J. Simon Rebecca Sellnow rebeccalsellnow@gmail.com tjsimon@unitelc.com rebeccalsellnow@gmail.com 218-963-9554 218-366-1455 218-537-0293 Strategic Planning MLS Trista Oseland Becky Sandelands tristad@wrtower.com becky@sandelandsrealty.com 218-839-5784 651-270-6681

JUNE 2015 REALTOR® ADVISOR PAGE 16

JULY 2015 REALTOR® ADVISOR PAGE 13OCTOBER 2015 REALTOR® ADVISOR PAGE 17

OCTOBER 2015 REALTOR® ADVISOR PAGE 11

MEMBERSHIP UPDATE

NEW GLAR MEMBERS - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

GLAR MEMBER APPLICATIONS Bahma, Katie - Edina Realty Title, Inc. DeRosier, Landy - Keller Williams Realty Professionals Hendricks, Cory - KC Companies, Inc. Mager, Thomas - R. R. Nelson Appraisals Nelson, Rolland - R. R. Nelson Appraisals Orlowski, Maria - Neighborhood National Bank Stoner, Shelly - RE/MAX Central Wessman, Dalton - Exit Lakes Realty Premier MEMBERS ON THE MOVE Pinski, Jason - Coldwell Banker Cedar Point Realty Strong, Marvin - Weichert REALTORS®-Tower Properties Swanson, Sandra - Century 21 Brainerd Realty

OCTOBER 2015 REALTOR® ADVISOR PAGE 12

Cave, Jason - People's Security Lindeman, Paul - Edina Realty Reineck, Vicki - Edina Realty

Unzeitig, Matthew - Exit Lakes Realty Premier Zapata, Jamie - Exit Lakes Realty Premier

NEW MLS ONLY MEMBERS Bridget Schmidt - Tree House Realty GLAR MEMBERS TERMINATED Dickinson, Matt - Neighborhood National Bank Hendrickson, Pamela - Thunder Lake Realty Hinnenkamp, Michelle - Granite City Appraisal Rodahl, Mike - Stonehenge Properties Sammons, Linda - Sandelands Realty

  

NOTICE

The GLAR Annual Membership Dues statements were emailed to all members’

individual email addresses on September 21.

Due date is October 16, 2015.

If payment is not received in the GLAR office on or before October 16, a $50 late fee

will be added to the balance due.

Please contact us ASAP if you need a duplicate statement.

GLAR accepts Visa, MasterCard, check, cash

GLAR REALTOR® STORE!! The following items are available for purchase! Price includes MN Sales Tax.

 

Please Remove  Your Shoes 

$3.17 

 

 

Home for Sale $10.68 

 

Acrylic Ad Frame 8x10 $13.91 

 

Brochure Box  w/Stake    $19.97 

     

Brochure Holder  w/Business Card 

$16.05

 

Home For Sale Rider $7.46 

 ___  Acres Rider 

$12.83 

 

Door Hanger: Open House In Progress 

$1.07 

 

I'm Gorgeous Inside Rider    $7.51 

Coffee Mug  (stainless steel) 

$12.83 

Spring Clips  Set of 12     $6.39 

 

Shoe Covers Shoe Covers (10 pair) 

$10.68 

Open House Arrow $10.68

SOLD 6" x 24" Rider $7.51

Lake Access Rider $7.51

Tape Measure (25 ft) $9.61 

Magnetic SOLD STRIP $5.32 

Magnetic Strip 1‐5 Duplicated 

$5.32 

Magnetic 0‐9 Number Strip      $5.32 

Lakeshore Rider $7.51 

 

 

OCTOBER 2015

Sunday

Monday Tuesday Wednesday Thursday Friday Saturday

1

Annual Meeting & Installation of Officers 9:00

2 3

4 5 6 Tech Tuesday 2:00

7 Gov't Affairs Webinar 9:00 Holiday Party Committee Meeting 11:00

8

9

10

11

12 13

14

15

16 Dues are Due!

17

18 19

20 Tech Tuesday 2:00

21 Continuing Education

22

Continuing Education

23 24

25

26

27

Continuing Education

28

29

30 31

All meetings and education held at GLAR unless otherwise noted

OCTOBER 2015 REALTOR® ADVISOR PAGE 14

15344 Pearl Drive, Baxter MN 56425 218-828-4567

office@greaterlakesrealtors.com

New Member Orientation

Ethics

GLAR Board Meeting 10:30Full

Moon