Valentine Fun Facts Pg. 27
February 13, 2015 BrevardElite.com
Links & Content In This Issue: #1 in Brevard County Over $1 Billion Sold RE/MAX Total Volume Darren Hardy – Do it First The History of Valentine’s Day February Training Calendar Agent Development Peanut Butter Money Home of the Week Joining a Gym? 4 Ways to Set Yourself up For Success Top 10 Individuals YTD Top 10 Teams YTD Valentine’s Day Fun Facts Pinterest Awards Recognition Birthdays & Anniversaries Property Management Division Supporting Staff Website Links: Training Center RE/MAX Mainstreet Paperless Pipeline ShowingTime RE/MAX University The ABOVE Magazine
Page 3 4 5 6 8 10 11 12 14 16 23 24 25 27 30-31 33-35 36 37 38
BrevardElite.com
BrevardElite.com
BrevardElite.com
Do it First Here’s a secret: People don’t go as fast as they can. They don’t work as hard as they can either. They aren’t as disciplined as possible. They aren’t as positive-minded or enthusiastic as they can be. They’re only as fast and disciplined and positive as you are. As the leader, you set the pace. You create the standards. The speed, quality, and culture of the pack are determined by the leader. That means the most important, but also the most underused and violated, principle of leadership is lead by example. Here’s how to set a good one: Action for today: If you really want to have leadership influence, you have no choice but, like Gandhi, to be the change you want to see in others. Leadership in the 21st century is less about the words that come out of you and more about what exists within you. Is there a behavior that is rotting the teeth of your organization and ruining its health? If so, today be the first one to throw those ‘sweets’ away Your Daily Mentor, -Darren
To get your Daily Dose of Darren's Motivational Medicine, click the following link to register: http://www.darrendaily.com BrevardElite.com
Brand Transfer & Storage 1731 Cogswell St. Rockledge, FL 32955 321.632.5020 Ext. 102 www.brandtransfer.com
BrevardElite.com
The History of Valentine’s Day
BrevardElite.com
Give the Gift of Dance This Valentine’s join us for a special Champagne Introductory evening into the
Magical World of Ballroom Dancing
Valentines’ Champagne Guest Party Wednesday February 18th 8:00 PM 476 Highway A1A Satellite Beach, FL
RSVP Kelly at 321-779-1188 or info@dancesb.com Cocktail dress: Red, Pink & Black colors Like us on Facebook @ https://www.facebook.com/tcdanceclubsb BrevardElite.com
February Training Calendar You don’t want to miss these!
“Everything you want to know about
prospecting FSBO” 17 Feb. at the Cocoa Beach Office Noon – 1:00 PM (lunch will be provided)
“Down Payment Assistance Programs” 24 Feb at the Melbourne Office Training Room 12:00 – 1:00 PM Darcy Normandia from Community Housing Initiative (lunch will be provided) Please RSVP Susan Lewis at: Susan.BrevardElite@gmail.com
BrevardElite.com
Take your business to new heights with
Agent Development Schedule your one-on-one 30 minute consultation with Susan Lewis please call 321-775-8110 Susan will be placing an emphasis on consulting, training and accountability.
"Our first consultation focused on developing my action plan for areas I want to improve on for 2015. We covered Farming, FSBO's, Personal Marketing Promotions and effectively using Social Media so I'm not wasting my time. We picked up where we left off in our follow up session and reviewed progress on activities. We also talked scripts/dialogues for "problem" customers. My mindset is in action mode and Susan is helping me stay accountable towards my goals." ~ Barb Mihalik
"Our meeting with Susan was well worth the time we spent with her. She opened our eyes to the simple things that we knew we should be doing, but just don't ever seem to find the time to get it done. She gave us some great ideas that we plan on implementing into our 2015 business plan. Thank you Susan for the great one-on-one time!" ~ Lou Ann Janke
We promised to never stop looking at ways to improve as a company no matter how successful we become. BrevardElite.com
We need your peanut butter and/or monetary help! Girl Scout Troop 1559 has officially adopted South Trinity Towers for a community project. South Trinity Towers is a low income subsidized apartment building for elderly people. In January, John Gaydar from Dyer Mortgage Group and his wife Wendy along with Girl Scout Troop 1559 helped put together 165 grocery bags (1 for each unit) & bringing them door to door. The money to purchase the food comes from a large private family trust; however the Trust has yet to renew its donations for this year. We are having a peanut butter/money drive. Peanut butter has a good amount of protein and is less expensive than other forms while having a longer shelf life. If you are at the grocery store and they have “buy one, get one free” on peanut butter….maybe you can pick up one to keep and give the other to Troop 1559? Or you’d like to make a donation or the company you work for would help sponsor South Trinity Towers. We know there are literally thousands of great causes and many dear to your heart. We certainly do not want to replace them. However, maybe this week you could buy a case of water instead of a case of soda and give the difference to Troop 1559 for Trinity Towers. A few dollars goes a long way for someone in need.
Peanut butter Please help in any way you can. We are hoping to fund at least our next 2 months of service. Thank you for reading and supporting Girl Scout Troop 1559 in our Community Project. Please see Candace Jansen for all Peanut butter and monetary donations by February 20th. BrevardElite.com
*AUTO *HOME *LIFE *BUSINESS www.SuntreeInsurance.com
Paul McDonough
3199 Suntree Blvd., Suite 2 Rockledge, FL 32955 Phone: 622.5333 Fax: 622.5336
Vynn Pechart
Kim Osman Insurance Group, Inc. 474 N Harbor City Blvd, Suite 4 Melbourne, Fl 32935
Call Today! 321.549.0678
Pete Osman
posman1@kimosmanins.com
Find out why It's Always A Great Day at the Kim Osman Agency
Kim Osman
kosman1@kimosmanins.com
BrevardElite.com
6725 Arroyo Dr., Melbourne, FL listing by Jean Hanson with RE/MAX Elite
BrevardElite.com
Major changes to FHA mortgage insurance and payoff of existing FHA loan New guidelines affect buyers and sellers Effective January 25, 2015 FHA has two new guidelines which will affect both buyers and sellers. For buyers: The monthly mortgage insurance premium has been lowered by 50 basis points (30 year fixed rate loan). Prior to 1/25/15 the FHA monthly mortgage insurance cost 1.3% per year. For example, a $200,000 loan would have monthly mortgage insurance of $217/month; this cost is now .80% per year so the new monthly amount is $133/month. This will increase the buyer’s purchasing power and lower their monthly payment. For sellers: Previously FHA loans required interest to be collected until the last day of the month regardless of when the loan was paid off. For example, if the seller was paying off their current FHA loan March 5 the lender would charge interest through March 31. This additional cost resulted in sellers receiving less proceeds from the sale of their home; it also created additional stress to the closing by trying to schedule closings on the last day or two of the month. Now FHA only requires interest through the day the loan is paid off. For example if the seller had a $200,000 loan balance at 6% interest the daily interest cost was $33 per day. If the closing was on March 5 this would cost the seller an additional $858.00 (because interest was required until the last day of the month regardless of when the home was sold and the loan was paid off). Please contact the Dyer Mortgage Group if you have any questions about these new FHA changes. We anticipate this will increase the buyer’s purchasing power by about $20,000 due to the lower monthly mortgage insurance premium, thus they will be able to buy a higher priced home and still have the same payment. As always we appreciate your referrals! Bobbie Dyer Division President 321-215-4419 bdyer@dyermtg.com
www.dyermortgagegroup.com BrevardElite.com
If weight loss or healthy living is a New Year's resolution, joining a gym may seem like a good place to start. Most fitness clubs offer deals and promotions to those who want to make good on their resolutions. Just like any other investment decision, selecting the right place to get in shape requires a little bit of leg work. When considering a gym membership, keep these tips in mind: Make sure the health gym is currently registered with the Florida Department of Agriculture and Consumer Services. Call our Consumer Assistance Center at 1800-HELP-FLA (435-7352) to check registration status or to see if any complaints have been filed against the gym, or health studio, as referred to in Florida Statutes. If complaints are on file, ask how they have been resolved. Carefully read contracts and all the provisions prior to signing any agreement. Ask for clarification if there is something that you don’t understand. Two common areas of concern are contract disputes and billing issues. Problems arise when consumers sign up for one year or more of personal training sessions, assuming that if a contract is canceled halfway through the year, payment for any unused sessions will be refunded. Depending on the terms of the contract, consumers may be billed for 50 percent of the remaining balance of the contract. A provision for a penalty-free cancelation (in writing) of the contract within three days of signing, excluding holidays and weekends, must be included in all contracts. Avoid long term commitments until there’s an opportunity to use the gym and ensure it will meet your needs. While some gyms don’t offer monthly memberships, some will. Others may require a commitment for one year, but with no large up-front payment. Shop around and ask questions. Currently, there are more than 2,600 gyms registered with the department. Consumers are strongly encouraged to take the time to check into an establishment prior to signing any contracts.
For more information, visit our Business/Complaint Lookup or call 1-800-HELP-FLA BrevardElite.com
Refer a Friend and get a $25 Credit on Future Rent or Merchandise
800+ Standard & Climate Controlled Storage Units in a wide range of sizes 24/7 gate access & Sophisticated Security System
Phone: (321) 433-3341 www.storesmart.org
FREE Home Security System - $850 Value With $99.00 Customer Installation Charge and purchase of alarm monitoring services • • • • • • •
Digital Keypad for Police, Fire and Medical Emergency Up to 20% Homeowners Insurance Discount Keychain Remote to Control Your System Control Panel with Battery Back-up Front and Back Doors Protected Lawn Sign and Window Decals Interior Siren
CALL TODAY, INSTALLED TOMORROW 1-877-542-2972 www.protectyourhomepartners.com/partner/remax-elite BrevardElite.com
A 50% Discount for RE/MAX
Make tax-time less taxing!
RE/MAX Associates Automate your financial tacking Never miss another tax deduction Watch you tax savings grow Eliminate tax-time anxiety
Join NOW! approved supplier Each supplier independently owned and operated. BrevardElite.com
Prestige Title
Prestige Title of Brevard has the knowledge, experience, and resources to get your real estate transaction closed. So whether you’re a buyer, seller, mortgage broker, lending institution, or real estate professional we want to be your preferred title insurance provider of choice!
5120 N. Highway US 1, Suite 102 Palm Shores, FL Phone: 321.242.7660 Fax: 321.242.1675
Tiffany Fortenberry 321.288.8931 Shawn Fortenberry www.prestigeclosings.com 321.302.0031 BrevardElite.com
We at H.I.P. Construction are dedicated to creating an organizational culture that encourages honesty, integrity, and professionalism by adopting and enforcing the following practices: 1.
Emphasize, through staff training, that the organization expects its employees to be honest, have a sense of integrity, and behave professionally. Convey these same expectations to vendors, consultants, volunteers, and anyone else who performs paid or unpaid work for the organization.
2.
Explicitly require "honesty, integrity, and professionalism" in all job descriptions, staff contracts, volunteer policies, performance evaluations, and labor agreements.
3.
Inform employees, contractors, and the general public of established policies, procedures, and expectations regarding honesty, integrity, and professionalism.
4.
Commend and reinforce behavior that exemplifies high ethical expectations.
5.
Never tolerate dishonest, corrupt, or unprincipled behavior in the workplace, regardless of job type or level of authority.
Get started with your FREE estimate today! 321.775.8212
jason@trusthip.com
BrevardElite.com
Are YOU Overwhelmed, Overburdened, Maxed out, Bogged down? The Elite Transaction Management Department can help!! An agent averages 19 hours of their time on a transaction from contract to closing. We are giving you back most of that time, so that you can focus on activities that drive in more income for your business! We have established exclusive pricing for these services and you only pay at closing.
$200 for 1 side or $250 for both! Providing the processing, organizing and communications you need to manage your transactions with accuracy, speed and the highest level of professionalism. For more information contact:
Denell Hastings 321.775.8178
denell.brevardelite@gmail.com
BrevardElite.com
Contact: Kelly Cox 321.751.8711 Pillartopost.com • Leader in our industry in home inspections • Comprehensive & Accurate Reports
BrevardElite.com
RE/MAX Housing Blog New Buyers: 4 Ways to Set Yourself Up for Success As one of the largest financial decisions in a person's life, buying a home requires discretion, sensibility and budgeting. The following tips will keep you on the right path as you look to purchase your first place. 1. Keep score The better your credit score is, the better your mortgage terms will be. A good credit score can save you tens of thousands of dollars over the life of your loan. Start reviewing your credit a few months before you apply for a home loan. If you have a score in the 600s or lower, start paying down credit balances to 30 percent or less of your balance. Also make bill and debt payments on time – no later than 30 days after the due date. If you have a score in the 700s or 800s, be sure to maintain and protect your good credit. The slightest credit misstep can cause a strong credit score to plunge more sharply than a weak score. 2. Consider all costs The cost of a home is just the start, and smart buyers tighten their belts before buying to meet the monthly and yearly financial demands of homeownership. When you buy a home, you're responsible for paying principal and interest, taxes and insurance. Additionally, you'll need to cover expenses such as utilities and possibly homeowner association dues. You'll also need cash on hand for the upkeep and repair costs that come with any home. The average homeowner spends 1 percent to 4 percent of a home's value on property maintenance each year, according to U.S. News & World Report. Expect to pay for repairs or maintenance even within the first year of owning your home. 3. Be flexible in your search Homebuyers who distinguish between wants and needs make the most sensible decisions. A list of must-haves should include items that affect your quality of life, such as a home's location, its price, number of bedrooms and square footage. You should be prepared to concede nonessential items, such as views and extra rooms, if you find a house meets your must-haves and is within your budget. Being flexible also involves adjusting your criteria as the home search progresses. For example, your budget may require looking at a town house rather than a detached home, or buying a fixer-upper in order to live in a better neighborhood. 4. Keep your cool Don’t get overly excited in your search, especially in markets where homes are selling quickly. A bit of self-restraint prevents you from overspending or choosing a home that doesn't fully fit your needs. >>>Read more BrevardElite.com
Congratulations to Our Top 10 Individuals YTD as of December 2014
#1 Silvia Mozer $16,159,471 64 Transactions
#2 Karen Osiniak $11,126,653 35 Transactions
#4 Pat Murphey $7,781,100 35 Transactions
#5 Sue Tillman $4,497,450 26 Transactions
#7 Theresa Friend $4,071,100 22 Transactions
#8 Peggy Penridge $4,040,165 24 Transactions
#3 Steve Vitani $11,111,607 34 Transactions
#6 Bruce Kwitny $4,330,700 28 Transactions
#9 Melinda Corns #10 Connie Trincali $3,733,240 $3,385,400 17 Transactions 20 Transactions BrevardElite.com
Congratulations to Our Top Teams YTD as of December 2014
#1 McCoy-Freeman Group $27,414,210 109 Transactions
#4 Joy Frankel Team $15,517,572 80 Transactions
#7 Brevard Real Estate Team $11,807,650 49 Transactions
#2 Platinum Realty Group $25,370,568 146 Transactions
#5 Barclay Group $12,524,000 48 Transactions
#8 321 Team $9,688,064 52 Transactions
#3 Coastal Estate Team $23,939,860 74 Transactions
#6 Kuhns Realty Group $12,261,865 66 Transactions
#9 Romano Team $8,186,819 29 Transactions
#10 Central Florida Team $3,987,118 35 Transactions BrevardElite.com
Visit Our RE/MAX Elite Exclusive Site pods.com/remaxelite
RE/MAX Elite Clients Can Save Up to 10% promo code: REMAXELITE 866-556-9595
"I can't balance a blimp, but I can help you balance your portfolio" Bob DiBella, CLTC Financial Services Representative Registered Representative Investment Advisor Representative
www.rdibella.metlife.com 321.610.9934 321.255.1480 rdibella@metlife.com BrevardElite.com
Valentines Fun Facts Richard Cadbury produced the first box of chocolates for Valentine's Day in the late 1800’s Each year more than 36 million heart-shaped boxes of chocolate are sold for Valentine's Day Over $1 billion worth of chocolate is purchased for Valentine's Day in the U.S.
In the United States 1 billion Valentine's Day cards are expected to be exchanged this year
In Victorian times it was considered bad luck to sign a Valentine’s Day card
Approximately 8 billion candy hearts will be produced this year
220,000 is the average number of wedding proposals on Valentine's Day each year
189 million roses are sold in the U.S. on Valentine's Day
3 per cent of pet owners will give Valentine’s Day gifts to their pets
73% of people who buy flowers for Valentine's Day are men Women purchase 85% of all valentines
BrevardElite.com
Give us a call today! 321-698-5370 Florida License # HI 8266 Melbourne & Surrounding Areas BrevardElite.com
Help your clients move their home, not their junk! 1-800-GOT-JUNK? and RE/MAX® have put together a special offer for RE/MAX Affiliates just like you! For every $5.00 you spend, you can give the gift of $50.00 worth of junk removal to your clients. •Help your clients ease the stress of moving •The more you buy, the more you save •Always professional, courteous service
BrevardElite.com
The colorful world we live in
Canada
USA
France
Colombia
Chile
Australia BrevardElite.com
Scotland
Ireland
Vietnam
England
China
USA BrevardElite.com
Veteran-owned company Established 2000 Happyhomeinspection.com
Work Smarter. Smart-Targeting focuses you on the homes most likely to sell.
Website: www.smartzip.com BrevardElite.com
2014 Awards Recognition
Jean Hanson
Joy Frankel
Andy Barclay
Steve Vitani
Carolyn Smith
Brad Kuhns
Karen Osiniak
Silvia Mozer
Bridget Sentz
Jennifer McCoy & Bobby Freeman BrevardElite.com
2014 Awards Recognition
Pat Murphey
Lou Ann Janke
Bruce Kwitny
Peggy Penridge
Karen Biamonte
Steve Romano
John Murphy
June Mogavero
Barbara Lyn
Sue Tillman
Scott Case
Marilyn Pinkerman
Theresa Friend
Melinda Corns
Kerry Ramage
Mary Gowenlock BrevardElite.com
2014 Awards Recognition
Connie Trincali
David Dicioccio
Bree Fary
Suzi Granger
Sheryl Jones
Patty Teachman
Ron Wallen
Gloria Williams
Dee Dee Sheffield
Barb Mihalik
BrevardElite.com
Neal Spurlock – 02/11 Avto Surmava - 02/17 Sally Contess – 02/17 Candace Jansen – 02/20 Patty Teachman – 02/24 Mary Maniscalco – 02/27 Carol Burke – 02/27
Anniversaries Susie Graham – 1 year Ron Wallen– 1 year Theresa Friend– 3 Years Christine Cornwell– 4 years Patty Teachman – 4 years Jennifer McCoy- 8 years Nikki McCoy-Freeman – 8 years Bobby Freeman – 8 years BrevardElite.com
Our Property Management Division Your clients can fill out their credit application and pay online. It’s easy and menu driven. If you have any questions please call Sheryl at 321-863-7824 (cell) or 321-775-8122 (office).
Sheryl
Suzi
Natia
Sal
Click Here to see 321rentals.net
Cheryl
Patty
Avto
Scott
Liz
Thank you for your support and referrals!
915 Brookshire Cir, Malabar, FL listing by Scott Sarver
BrevardElite.com
Wishing you a fantastic Friday on behalf of your RE/MAX Elite Family!
321.752.5858 BrevardElite.com Your Supporting Staff
Justin
Tiffany
Susan
Lisi
Susie
Cheryl
Candace
Natia
Ronda
Dawn L
Sheryl
Sharon
Avto BrevardElite.com