August 2014 FAARside by FAAR

August 2014

Could the government regulate a puddle in your backyard? By Kim McClellan, Government Affairs Director

The short answer to that question is no, but the truth is that the U.S. Environmental Protection Agency (EPA) and the Army Corps of Engineers have proposed expanding the definition of waters covered by the Clean Water Act. Any expansion could translate into big costs for property owners looking to develop their land with minimal benefit for the environment. The Clean Water Act (CWA) establishes the basic structure for regulating discharges of pollutants into the waters of the United States and regulating quality standards for surface waters. The basis of the CWA was enacted in 1948 and was called the Federal Water Pollution Control Act, but the Act was significantly reorganized and

expanded in 1972. to include non-navigable "Clean Water Act" waterways which would mean that many more properties became the Act's would need to go through the common name with amendments federal Clean Water Act process before being developed for future in 1972. The housing stock. Depending on the CWA serves definition of regulated waters, the an important Clean Water Act would require function by expensive, time consuming ensuring that federal permits to develop private our navigable property with any wet area窶馬ot waterways are free from harmful just properties with a navigable pollutants and that interstate water or adjacent wetland. In addition, property ecosystems so important to our owners may experience a taking quality of life can flourish. under the regulation without In March of 2014, the EPA adequate compensation. and Army Corps of Engineers proposed expanding the Continued on pg 4 definition of the Clean Water Act Election September 17, 2014 2015 LEADERSHIP FAAR offers electronic voting and the ballot will be posted at faarmembers.com by early September. Those who want to vote with a paper ballot can do so by going to the Election table in the Lobby of the Expo at the September 17 Trade Show from 9 am to 1 pm. Members will also be able to vote on line at the Election table. Election results will be announced after 3 pm at the EXPO. Sample Ballot pg. 28 & 29 1 Candidate Profiles pg. 30-32

In This Issue 1

Could the government regulate a puddle in your backyard?

President’s Forum

Could the government regulate a puddle in your backyard? Continued from pg. 1

MRIS adds fields to describe “water oriented” property

Public Policy at a glance

10 FAAR releases 2015 Legislative Package 14 RPR Commercial- What’s the best retail business for a location? 18 2014 RECA Designations and Certifications this fall at FAAR! 22 MBN (Managing Broker Network) heats up in August! 22 Why be a part of a managing broker network? 25 Making the Foundation more recognizable, relevant 31 Candidates for election for the year 2015 36 Meeting new core standards required to maintain a REALTOR® association charter 37 2014 FAAR EXPO schedule 38 Welcome New Members 42 RPAC Investors 47 Mouse versus Keyboard – which one wins?

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PRESIDENT’S

FORUM

I hope you all are enjoying your summer! Remember our neverending winter? It’s hard to believe I’m on the downswing of my year as President of FAAR! I have enjoyed my years on the Board of Directors, and look forward to serving next year as the Immediate Past President. Starting next month, you can vote for your new Board of Directors. There will be two open slots on the BOD and five candidates vying for the position. So do your homework, ask them questions, and be sure to vote! The BOD works year round, and the 2015 BOD begins their BOD training this winter. The election results will be announced at the FAAR Expo on September 17th. Be sure to mark

your calendar today! There will be several classes (some for PL and CE) and a nationally known keynote speaker, Mark Given. This is sure to be one of our best Expos yet.

In addition to the FAAR Expo and the BOD elections, FAAR’s Strategic Plan is being revised this fall. I am excited to see how the changes in our industry and our methods of communication will change how FAAR is structured and functions in the future! We have so much experience and talent; I enjoy seeing the various committees feed off of each other. I throw terms around like committees and groups, but really I am talking about members. I love to see MEMBERS learn, network,

Debbie Irwin, ABR, GRI 2014 President and grow their business. And isn’t that what it’s about?! One group I’d like to highlight is the Managing Broker Network, or MBN. Ask your broker if they attend MBN. If they don’t, please ask them to do so. MBN had a facelift this year. We discuss timely topics and share info we pick up from our involvement at VAR or NAR. The brokers not only learn from the topic discussion of the meeting, but are also given tools to bring back to their offices to help your business. Some examples of past topics include Property Management, MRIS, Policy manuals, and most recently how short sales can end up on Auction.com.

Could the government regulate a puddle in your backyard? Continued from pg. 1

The National Association of REALTORS® has been tracking this issue and working with a coalition to voice concerns about costs to small businesses and the impact on the real estate industry. NAR supports using appropriate scientific criteria to identify regulated areas, keeping the

focus on high value wetlands; requiring that local officials and affected property owners be notified about the presence of wetlands; and using wetlands mitigation banking. NAR continues to work with other concerned stakeholders to impact the outcome of the final rule and believes that only an act of Congress should alter the definitions of the Clean Water Act.

For more information visit. http://www.realtor.org/ topics/clean-water-act

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MRIS adds fields to describe “water oriented” property

By, Linda Fosdick, ABR, CRS, GRI Lake Anna agent

MRIS listened and took action! Lake Anna agents have long been frustrated by the lack of MRIS fields that they needed to give their clients more information about properties in their Lake Anna market. Clients were not getting the full picture of the differentiating qualities of our “Water Oriented” properties from the listing data. Primarily, is this property on the “Public Side” or “Private Side”? Does it have a boat house or a boat slip? Is there a launch ramp in this community? With a few extra pieces of information our agents could perform more indepth searches for their clients and better select properties that matched their criteria. Additionally, clients expectations could be better managed so that they would not erroneously make assumptions about a property, only to feel “misled” by the listing agent. All you have to do is ask! Having had the opportunity to develop

a good relationship with some of the MRIS staff, I doggedly requested additional fields related to “water oriented”. Other areas were voicing similar requests and MRIS listened carefully and came through with strategic changes. My broker, Dave Moberly, and I worked closely with MRIS to define the exact fields and definitions that we needed for our market. The biggest changes rolled out May 1st, followed by additional changes July 1st.

• The May roll out brought us 14 new fields, which included: • View/Accessibility • Body of Water Type • Distance to Body of Water • Water Use Types (which includes Public Access and Private Access) • Waterfront Features & Improvements • # of Slips • Dock Features & Improvements

• Dock Slip Conveyance • Mean Low Water Feet In addition to the fields, MRIS has now included definitions for all of these terms, which will help agents understand which terms best reflect the features of the homes. It will also allow MRIS to notify agents of any violations, and prevent unintentional misrepresentation. It is thrilling to now have these expanded tools to better represent our properties and aid us in finding just what our clients are looking for. We fully expected that we would have some adjustments to make in learning to use these new fields, and feedback is welcome. Agents need to explore these fields and how to incorporate them into their listings and search screens. My goal now is to better educate our agents so that we are universally applying these tools so that our listings are consistently displaying this expanded data.

Property Management Conference The Property Management Conference features TWO great classes for a combined 5 CE credit hours! Also approved for PLE and Broker Management! The day will encompass the basics of residential property management under the Virginia Landlord Tenant Act and Fair Housing. Agents will be given the tools to cover best practices and office policies and procedures. An afternoon session will include tips on maintenance and inspections.

Breakfast and lunch included in the price!!! Instructor:

Bob Harnett, Art Berkley and John Walsh (as seen at the 2013 Property Management Conference)

Schedule:

9:00am: Breakfast 9:30am: Legal Aspects of Property Management 2 hrs CE Real Estate Related, 2 hrs CE Broker Management, 2 hrs PL Current Industry Issues and Trends

Early Bird Price Ends 8/7

11:30am: Lunch 12:30pm: Inspections and Maintenance for Residential and Commercial Properties 3 hrs CE Real Estate Related, 3 hrs CE Broker Management Date:

August 20, 2014

Time:

9:00am-3:00pm

Special thanks to our event sponsor!

Location:

FAAR Office, 2nd Floor Classroom 2050 Gordon W. Shelton Blvd. Fredericksburg, VA 22401

*Students missing more than 10 minutes of class, cannot be given CE/PL credit.

Registration is Required.

REGISTER ONLINE — faarmembers.com - click “Online Registration” under Education and login to our registration system. OR BY FAX — complete the registration information below and fax to (540) 736-0301. You may register for the entire conference, or pick ala carte classes. Early bird pricing only applies to the entire conference. Full Conference Fees: Early Member = $59 before 8/7

Regular Member = $69 starts 8/8 Early Non-member = $69 before 8/7 Regular Non- Member = $79 starts 8/8 Ala Carte Fees: Breakfast and Legal Aspects of Property Management Member = $35 Non-Member = $45 Lunch and Inspections and Maintenance Member = $45 Non-Member = $55

Name: ________________________________________________________ Company: ________________________________________________ Phone: _____________________________________ Email Address: ____________________________________ Zip Code:_____________________ Payment:  Visa  Master Card Am. Express CC# ______________________________________________ Total: __________________ Exp. Date: _______________ 3-Digit CVC# ____________ Authorized Signature: ________________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

This event counts for 5 pts. under Education Activities toward the Professional Honor Role recognition. Less colorful flyers are produced in an effort to be mindful of the environment and to reduce toner expenses. Please print in black and white when possible.

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Public policy at a glance By Kim McClellan, Government Affairs Director First-Time Homebuyer Savings Account Becomes Law

A new law recently took effect that makes it easier for Virginians to save for their first homes. The Virginia Association of REALTORS®’ 2014 signature legislation, First-time Homebuyer Savings Plans, HB331, helps Virginians prepare for homeownership, reminds them how important it is, and is designed to improve the long-term health of the housing market. Virginians will now be able to invest up to $50,000 in financial

institutions like credit unions and banks or directly in mutual funds, brokerage accounts, or almost any other financial vehicle and declare them firsttime homebuyer savings plans. The gains or earnings on the investment are free of state taxes, and the funds can be used for down payments and closing costs on first home purchases in the commonwealth.

Whether it’s a grandparent opening an account for a newborn, a forward-thinking high school student, or a recent college grad looking to the future, first-time homebuyer savings

for making “pre-approved” mean something.

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The process for claiming one of these accounts is very simple, there is no need to open a special account or deal with mountains of paperwork. When an individual wants to designate a qualified account as a First Time Homebuyer Savings Account, they simply fill out a special form when they file their taxes and the growth on that account is exempt from state taxes. For more information on these accounts and how to claim the benefit, please visit http://varealtor.com/ FHSP. FAAR Sends Letter to VAR Expressing Concerns about Short Sales and Online Auctions

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plans will reinforce the idea that setting a little something aside today will make it easier to buy a home tomorrow.

A growing practice of putting homes engaged in the short sale process up for online auction as a means of verifying a contract price has many agents throughout the Fredericksburg area concerned. FAAR 2014 President Debbie Irwin penned a letter to VAR expressing those concerns and requesting that VAR provide agents with some best practices on how to best represent clients during one of these transactions.

FAAR releases 2015 Legislative Package

By Kim McClellan, Government Affairs Director blessing, the package is sent up Every July, FAAR submits its to VAR for consideration by the legislative priorities for the state's Public Policy Committee, coming year to the Virginia which sets the statewide Association of REALTORS速 legislative agenda. Once the (VAR) for possible inclusion in Public Policy Committee reviews the statewide legislative agenda. and considers all of the issues, a The issues included in FAAR's statewide agenda is assembled package come directly from the and VAR's lobbying team starts membership and deal with issues working with member of the that FAAR agents encounter in General Assembly in preparation their real estate business . for the 2015 General Assembly session. The FAAR Government Affairs Committee reviews all issues This long process all starts with submitted and decides which agents in the trenches of real issues are appropriate for estate encountering a problem inclusion in the legislative and bringing it forward . The package. Once the package Government Affairs Committee has been assembled by the is always available to hear Government Affairs Committee, about issues of concern to FAAR it is then sent to the FAAR Board members, no matter what time of Directors for their input and of year. Email Kim McClellan approval. With the Board's (kmcclellan@faarmembers.com) RPAC Event June 5, 2014

with any issues that require the attention of the Committee.

Here is a detailed explanation of FAAR's main legislative issues for 2015. To view the entire legislative package including standing positions, visit the FAAR website at www.faarmembers. com and click on the "Legislative Package" drop down on the Advocacy tab. 2015 FAAR Legislative Issues LANDLORD-TENANT ACT UPDATE

FAAR requests that Virginia Code Section 55-246.1 be amended to specifically include the term "family trust" as a entity that can be represented in court by a nonlawyer to pursue judgment and possession of a property.

A FAAR member who has a property management company had a property management agreement with a family trust to manage several single family homes within that trust. The tenants in one of the homes failed to pay rent and did not provide adequate care of the home during the cold winter months leading to burst pipes and water damage. When the property manager went to court to gain possession of the property and get a judgment for rent and damages, the case was thrown out because the judge said a property manager could not legally represent the family trust. MEDICAID GUIDANCE ON SALE OF A HOME

FAAR requests that VAR consider legislation that will change the state Medicaid requirement that a home for sale be listed at the

tax assessed value. According to state Medicaid guidance, the current market value of a home is 100% of the tax assessed value. This presents an issue for homeowners and their families when the tax assessed value is significantly higher than the fair market value. The process for securing a price reduction is time consuming and frustrating for homeowners and their families often going through one of the toughest time of their lives. FAAR members have repeatedly come across this issue when trying to assist a homeowner or their family with disposing of the primary residence when the homeowner needs to enter Long Term Care. MORTGAGE DEBT CANCELLATION RELIEF

in a short sale, foreclosure, or loan modification to be relieved of their income tax obligations on any forgiven debt from that transaction. In the Fredericksburg market, distressed sales continue to make up over 20% of the market. FAAR applauds the U.S. Congress for extending mortgage debt cancellation until the end of 2013, but believes that it remains a vital tool to keep the recovery on track and advocates for another year-long extension.

Have a legislative concern? Email kmcclellan@ faarmembers. com

MBN M 2nd T of the 11:30

FAAR continues to support extending the tax provisions that allow homeowners involved

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COMMERCIAL CORNER RPR Commercial- What’s the best retail business for a location? Whether consulting on investment opportunities, working with an economic development authority on a redevelopment project, or helping fill a vacant space for a building owner, RPR Commercial assists you in determining what businesses would be appropriate for a given location by looking at consumer spending data and seeing what business types are being underserved in the area. With RPR Commercial, a benefit available only to REALTORS® as part of their core dues, REALTORS® can run a commercial analysis called “What’s the Best Retail Business for a Location?” By entering a geographic area, a “Business Opportunities Chart” generates in seconds. This chart indicates which business types are over/ underrepresented in an area of interest, differentiating new business opportunities from saturated business categories in a market. Using consumer spending data as a foundation, this marketplace data compares

retail sales to demand. The retail demand information is derived from household level consumer spending data, while the retail sales information is from business point of sale transactions. The analysis calculates the number of residents who are leaving their home neighborhood to ﬁnd a retail business type elsewhere. RPR Commercial ranks the results so it’s easy to see what businesses would likely be most successful in vacant locations or for the development of new locations.

In addition, RPR Commercial Trade Area Reports include demographics and psychographics. REALTORS® have access to stats on the population, age, income, education, economy and home values to see many area facts in one convenient place. The dominant demographic segment (a composite description of the type of resident most common in the trade area), or tapestry segment, provides details about the residents’ lifestyles: what they spend

money on, what type of residence they live in, what type of job they hold and what they like to do for fun. The RPR Commercial Trade Area Report along with the Business Opportunities Chart gives REALTORS® a tool to educate clients in the specifics about consumers and the potential business types for an area. To learn more about RPR Commercial and to register for a LIVE webinar visit: blog.narrpr.com/commercial

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HOW WE DO BUSINESS Movement Mortgage Day 1:

Application taken and upfront items received electronically (W-2, Pay Stubs, etc.). File electronically submitted to underwriter with credit times.

Day 2:

Loan approved by underwriter with exact conditions.

Day 2-10:

Conditions collected by loan officer and processor.

Day 11:

File cleared to close. Package out three days prior to closing.

Our Competitors Day 1-2:

Loan officer takes application, runs automated underwrite, and sends approval to the REALTOR®. Loan officer sends loan package with a request for more information.

Day 9:

Loan officer receives loan package and sends to processing.

Day 14:

Processor calls borrower for additional items needed.

Day 18:

Client turns in more documentation. File is sent to underwriter.

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Underwriter approves file subject to additional conditions. Loan officer, processor, and agent look for missing conditions.

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Underwriter clears final conditions and closer begins working on the file.

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Loan package sent to attorney.

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Client is still waiting. Loan is projected to close.

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Education Update 2014 RECA Designations and Certifications This Fall at FAAR! September 11 and 12 from 8:00 – 5:00 -the ABR core class with Donna Austin! The Accredited Buyer’s Representative (ABR®) designation is designed for real estate buyer agents who focus on working directly with buyer-clients. ABR graduates gain: • Valuable real estate education that elevates your skills and knowledge in the eyes of home buyers. • Ongoing specialized information, programs and updates that help agents stay on top of the issues and trends in successfully representing home buyers. •Access to REBAC members-only marketing tools and resources, which provide an additional competitive edge. • Approved for 8 hours CE, RE Related

Property Management Conference Wednesday, August 20, 2014, 9am-3pm

The Property Management Conference features TWO great classes for a combined 5 CE credit hours! Also approved for PLE and Broker Management! RECA is proud to have instructors Bob Harnett, Art Berkley, and John Walsh, as seen at the 2013 VAR Property Management Conference. The day will encompass the basics of residential property management under the Virginia Landlord Tenant Act and Fair Housing. Agents will be given the tools to cover best practices and office policies and procedures. An afternoon session will include tips on maintenance and inspections. Breakfast and lunch included in the price! Limited seats available, register today to guarantee your slot!

Schedule:

9:00am: Breakfast 9:30am: Legal Aspects of Property Management 2 hrs CE Real Estate Related, 2 hrs CE Broker Management, 2hrs PL Current Industry Issues and Trends 11:30am: Lunch 12:30pm: Inspections and Maintenance for Residential and Commercial 3 hrs CE Real Estate Related, 3 hrs CE Broker Management Register today at www.faarmembers.com! 18

September 23, 2014 from 8:00 -5:00 Military Relocation Certification (MRP) with instructor Arleen Roberts. The goal of Military Relocation Professional Certification Core Course is to educate real estate professionals about working with current and former military service members to find the housing solutions that best suit their needs—as sellers or buyers--and take full advantage of military benefits and support. Students will learn how to provide the real estate services—at any stage in the service member’s military career—that meet the needs of this niche market and win future referrals! Approved for 8 hours CE, RE Related

October 15, from 8:00 – 5:00 GRI #401, “Understanding Agency” in the classroom with Donna Austin. Real estate is about relationships and you need to understand what Virginia law says about your business connections. This in-depth review covers the details of brokerage relationships with everyone -buyers, sellers, landlords and tenants. In addition, you’ll find all you need to know about property/agency disclosure and confidentiality. (Approved for 3 Hours Real Estate Agency and 4 Hours Real Estate Related CE OR 3 Hours Virginia Real Estate Agency PL)

October 29, 8:00-5:00 “ At Home with Diversity” with Matthew Rathbun. At Home With Diversity® is an educational experience designed to present a picture of the changing face of the real estate industry. More importantly, the class teaches REALTORS® how to work effectively with — and within — a rapidly changing multicultural market. Since its inception in 1998, At Home with Diversity® has addressed the topics of diversity, fair housing and business planning development in a full-day core course for the At Home With Diversity® certification

11 21 19

MBN (Managing Broker Network) heats up in August! By, Suzanne Brady, ABR, CRBB Leadership Development Committee Getting questions from your agents about short sale and bank auctions? John Nicholls, President of Nicholls Auction Marketing Group and Past President and Chairman of the Board of the Virginia Auctioneers Association, will join us for our August meeting to give us some insight on the growing use of auction services. Bring your lunch and your questions. We are hoping the following questions will be

Why be a part of a managing broker network?

among those answerd: How does your agent show a property? How do they register their client to bid? Does the agent or the client bid? How does the agent get paid? Are terms negotiable? How does an agent list property for an auction company? This session is for managing brokers only. Bring your lunch and join us on August 14 at 11:30 a.m. in the FAAR/RECA Classroom.

available to brokers but the most effective ones feature peer-to-peer discussions on trending topics. Referral opportunities can be another benefit. Meeting face-to-face with The article Face Time, Why Broker other association brokers often Networking Matters More Than eases agent disputes which can Ever *, suggests that networking escalate into legal issues. What fulfills a basic need. According to is the deciding factor whether a John Featherston, President and broker will take time out of his or CEO of RIS Media, “There are very her day to attend a networking few opportunities for brokers to opportunity? let down their guard and be able to interact with their peers in a Most say it is the topic and if safe, candid environment.” a featured speaker is a quality speaker. The knowledge There is no shortage of gained from networking can networking opportunities improve delivery of service to

MBN Meetings 2nd Thursday of the month. 11:30a.m.

agents which could become a competitive edge. Gretchen Pearson, President of Prudential California comments, “It is critical that we get outside of our own business in order to see where we really are.” *Taken from the magazine Real Estate, the Leader in Real Estate Information, June 2014 edition

Phillip Blake/ MBH Fredericksburg 2013 FAAR Affiliate of the Year!

www.facebook.com/mbhfred  540-373-1300

2014 FAAR Tradeshow - September 17th Join Phillip Blake, Branch Manager, MBH Fredericksburg from 11 am – 12 pm for: “Transactional Red Flags: Authority to Sell”

Stop by & visit our team at Booths 33 & 34!

Making the Foundation more recognizable, relevant By Carolyn Liddell, President, Fredericksburg REALTORS速 Foundation The Fredericksburg REALTORS速 Foundation has been around since the early 1990s, but I still hear the frequent refrain, "What does the Foundation do?" It's really pretty simple; the Foundation collects contributions from a variety of people including FAAR members, affiliates, and even the public, and gives grants to local nonprofits focused on housing needs. So why do people keep asking the question about what this organization does? It's because the Foundation needs to become more visible and easily identifiable. Some brands are so

established that all consumers have to see is the logo and there is instant recognition. Think about the Nike swoosh. Consumers don't even need to see the word "Nike" because they see the swoosh and immediately know what brand is being marketed. The Foundation is in the process of rebranding itself and while it will be a while until we can be like Nike, the goal is to create an easily recognizable logo that will allow our members and the public to see it and instantly know what we're about. Over the coming months you will see

new and different marketing materials from the Foundation so that when someone asks, "What does the Foundation do?", all FAAR members will easily be able to answer that question.

WE GIVEBACK Fredericksburg REALTORS速Foundation

21 27

SAMPLE BALLOT

SLATE OF CANDID LEADERSHIP ELECTION SEPTEMBER 17, 2014 FAAR offers electronic voting and the ballot will be posted at faarmembers.com by early September. Those who want to vote with a paper ballot can do so by going to the Election table in the Lobby of the Expo at the September 17 FAAR EXPO from 9 am to 1 pm. Members will also be able to vote online at the Election table. Election results will be announced after 3 pm at the FAAR EXPO.

Candidates for 2014 Election for the Year 2015 President Brooke Miller, ABR, GRI, CRS- Long & Foster, Inc.Fredericksburg

Secretary Jorge Robert, Coldwell Banker Elite- Stafford

Adrianna Cowan-Waddy, CCIM- Adrianna S. Cowan & Associates, Inc.

Treasurer Arlene Mason, Coldwell Banker Carraige House Realty, 1st of a two-year term Immediate Past President Debbie Irwin, ABR, GRIColdwell Banker EliteSpotsylvania

Michelle Caldwell ThompsonCTI Real Estate

Directors- Five candidates for two positions- winners are the top two vote getters. Select up to two. Mary Beth Rich, ABR- Century 21 New Millennium - Stafford

President-Elect Christine Singhass, ABR- Realty World Select

Kevin McGrath Long & Foster, Inc. Fredericksburg

Vice President Linda Fosdick, ABR, CRS, GRIDockside Realty

Drew Fristoe, ABR, e-PROColdwell Banker EliteMassaponax

Joining continuing DirectorsPaddy Osborne, Mark Geslock, Erin Newbill, Bob Mercurio

“Additional candidates for the offices to be filled may be placed in nomination by signed petition by with at least twenty percent* of the REALTOR® members. The petition shall be filed with the Secretary (Chief Executive Officer) at least two weeks before the election. The Secretary (Chief Executive Officer) shall send notice of such additional nominations to all REALTOR® members before the election.” (As of 6/23/14 there are 1428 REALTOR® members. 285 names are needed to complete the petition requirement and be sent to FAAR by September 3, 2014.)

DATES- 2015 Bylaws Change – Rationale Shortening the time period to complete the new member requirement of an ethics class/ orientation Members are asked to vote yes or no on the following change to the Association’s bylaws. The rationale for shortening the time new members are given to take the required ethics class/ orientation session is so they receive the valuable information about the Code of Ethics and the advantages and requirements of membership soon after application. If the majority of the voting members vote yes, a new member will have two opportunities to attend the ethics class/orientation within the first 120 days, NOT 180 days as a FAAR member.

Vote YES or NO… Y___N___

Section 4. New Member Code of Ethics Orientation:

Applicants for REALTOR® membership and provisional REALTOR® members (where applicable) shall complete an orientation program on the Code of Ethics of not less than two hours and thirty minutes of instructional time. This requirement does not apply to applicants for REALTOR® membership or provisional members who have completed comparable orientation in another association, provided that REALTOR® membership has been continuous, or that any break in membership is for one

year or less.

Failure to satisfy this requirement within 120 days (180 days) of the date of application (or, alternatively, the date that provisional membership was granted), will result in denial of the membership application or termination of provisional membership.

Note: Orientation programs must meet the learning objectives and minimum criteria established from time to time by the NATIONAL ASSOCIATION OF REALTORS®.(Adopted 1/01)

CANDIDATES FOR ELECTION FOR THE YEAR 2015

President Brooke Miller, ABR, GRI, CRS- Long & Foster, Inc.Fredericksburg

President-Elect Christine Singhass, ABRRealty World Select

With more than a decade of real estate experience, Christine Brooke Miller has served as Singhass has been an intricate part Treasurer and is currently the of FAAR and the local community. President Elect on the FAAR Board In addition to serving as FAAR 2014 of Directors. She has enjoyed Vice President, she is President serving the membership and will of the Central Virginia Housing continue this service as FAAR’s Coalition, Vice Chair for the VAR President. Brooke holds a BS from Manager’s Council and has served Vanderbilt University as well as the on the NAR Housing Opportunity designations of ABR, GRI, and CRS. Work Group for the last two years. Her commitment to a higher level In addition, she is a RECA instructor of professional in our industry and on Marketing, Business Planning, dedication to the overall protection Strategy, Technology. Brooke is of housing related issues in our a member of the VLA (Virginia region make her an ideal candidate Leadership Academy) class of 2010. for 2015 President-Elect. She would be honored to receive your vote and represent you in the coming year.

Vice President Linda Fosdick, ABR, CRS, GRI- Dockside Realty “Join, participate and contribute”. This is clearly how Linda Fosdick views being a member of FAAR. Linda is completing her second of a two-year term as Treasurer after serving for two years as a Director.

She became a member of the Education Committee in 2006, served as its Co-Chair in 2008 and 2010, and its Chair in 2012. She has served on several task forces and committees, is a RECA instructor and was a Grievance Committee member. She is a graduate of the 2008-2009 Association Leadership Development Academy(ALDP). Linda enjoys and benefits from her participation, and is committed to the future of FAAR.

Secretary Jorge Robert, Coldwell Banker Elite- Stafford After being elected a FAAR Director in September of 2010, Jorge R. Robert is interested in continuing to serve the FAAR membership at a higher level of commitment and dedication. For this reason, Jorge is again running for the position of Secretary of the Board of Directors.

Treasurer Arlene Mason, Coldwell Banker Carraige House Realty, 1st of a two-year term

Arlene has been a licensed REALTOR® since 2004. For the past six years, she has served on the FAAR Public Relations Work Group and held the Chair position for two years . From 2010-2012, Arlene served on the FAAR Professional Since 2007, Jorge has been a Standards Work Group. Earlier REALTOR® in Virginia, but he this year she earned her Associate has been investing in real estate Broker’s license. She also holds the since 1972 in California and designations of ABR, GRI, and SFR. Ohio. He comes to FAAR with Arlene was elected to serve as a varied experience: nine years Director (2013-2015) on the FAAR as a consultant for the federal Board of Directors. Also she is a government, 27 years as a civilian graduate of the Virginia Leadership with the Department of Defense, Academy’s Class of 2013. Only 20 and with the military including 6 REALTORS® from across the entire years active duty and 25 years in the State of Virginia are chosen each Army Reserves. year for this honor. Arlene is proud to be nominated for a two-year Jorge holds a BBA degree from term as Treasurer of FAAR. She is the University of Notre Dame and very excited to utilize her financial an MBA from the California State management skills in assisting University Stanislaus. FAAR with its continued growth and service to the local REALTOR® community.

Immediate Past President Debbie Irwin, ABR, GRIColdwell Banker Elite –Spotsylvania Debbie Irwin is with Coldwell Banker Elite- Spotsylvania. She serves on the Board of Directors of FAAR, is the Chair of the Managing Broker Network, and an investor in RPAC.

She is always looking for FAAR members to join her in promoting FAAR’s events and classes. One of Debbie’s strength is commitment to task. Creating new projects and seeing them through is what makes her tick.

DIRECTORS- FIVE CANDIDATES FOR TWO POSITIONS- WIN Joining continuing DirectorsTWO. Paddy Osborne, Mark Geslock, Erin Newbill, Bob Mercurio

Mary Beth Rich, ABR- Century 21 New Millennium - Stafford

Mary Beth Rich, of Century 21 New Millennium has been a member of FAAR since 2010. She has been actively involved at FAAR, serving on the Community Outreach and Special Functions Committees and is an acting Governor on Fredericksburg REALTOR® Foundation. She is also Secretary of Women’s Council of Realtors® and has earned the designations ABR, SFR, and e-Pro®. She is actively involved in our community through Habitat for Humanity and Empowerhouse. Involving REALTOR® in the community at large and making the public aware of the importance of hiring a REALTOR® are her priorities but she is also committed to continuing FAAR’s evolution of increasing educational opportunities, upholding standards and ethics, legislative empowerment through increased contributions to RPAC and continuing to give back to the communities FAAR serves. Mary Beth would be honored to serve on the Board of Directors and would be sure to include your input, opinions and ideas throughout her term.

Michelle Caldwell Thompson- CTI Real Estate Licensed since 1992, Michelle feels she is well positioned to be A Voice for REALTOR®. Michelle, a former dual careerist, is a wife, mom of three, a state licensed real estate instructor and owner of an independent real estate services firm, CTI Real Estate. Having grown Caldwell Thompson Incorporated from a team of five to nearly 50 agents in ten years, Michelle Thompson understands the unique challenges of providing the level of service clients expect, while engineering an effective balance between work and family life. Michelle Caldwell Thompson is an alumnus of Leadership Fredericksburg, serves on the Board of Directors of Hope House and is a Member of the City of Fredericksburg Riverfront Task Force.

Kevin McGrath- Long & Foster, Inc.fredericksburg Education is everything; in our schools, in our community, and in our industry. The learning process ever stops, and it is imperative that we instill in our members that education is an ongoing and collaborative process. Kevin has been a REALTOR® for a little over 10 years now, and the changes he sees in the industry seem to be happening at an exponential rate; he believes it is the job of FAAR to stay ahead of the curve and continue to be an asset to our REALTORS®, forging a path for professionalism while continuing to build our organization through involvement of new REALTORS® from the beginning of their career through education and involvement.

NNERS ARE THE TOP TWO VOTE GETTERS. SELECT UP TO

IMPORTANT NOTICE 2015 dues billing

Brokers The 2015 dues billing should arrive the week of August 11. Please contact the FAAR office if you do not receive yours.

Drew Fristoe, ABR, e-PROColdwell Banker EliteMassaponax

Adrianna Cowan-Waddy, CCIM- Adrianna S. Cowan & Associates, Inc.

Drew Fristoe joined FAAR in 2008. Fristoe is active in his national, state and local association. He is a co-founder of the Fredericksburg Area Association YPN, which Drew chaired in 2012 and also the Virginia Association of REALTORS® YPN, which he is Vice Chair for 2014. Fristoe has served on the Virginia Association of REALTORS® Information Management Committee since 2012. He was also chair of the Fredericksburg REALTOR® Foundation for 2011 and 2012. In addition, Fristoe has worked on the Federal Political Coordinating Team for 1st District Rep. Rob Wittman (R-VA) since 2009. Drew will always support FAAR and will work towards getting more member involvement in the association. He strives to continue FAAR’s progressive voice for REALTORS® and the REALTOR® community.

Adrianna has been licensed for 38 years specializing in commercial real estate for the past 24 years as a CCIM. She brings to the table not only many years of experience as a Broker, but leadership roles on many Boards and organizations. She wants to join the FAAR Board of Directors to be able to “give back” to the industry. Her hopes for the future of FAAR include advertising to the general public the meaning of a “Realtor” vs. a real estate agent, enforcing the Code of Ethics, increasing RPAC giving, and keeping FAAR on top of the latest technology offers in products for our membership.

Agents Brokers are responsible for the distribution of the invoices. If for some reason the invoice is not received, please check with your Broker.

Please observe the deadlines. Payment is due September 30. A late fee of $25 applies after September 30 through December 31. If dues are paid after December 31, a member will have to reapply and be charged the $275 Application Fee.

2015 dues bills will be available for online payment after August 8. To pay your dues, log in to your FAAR account, click “My Account Profile” and then select “Pay Dues Online”.

Meeting new core standards required to maintain a REALTOR® association charter By Pat Breme, RCE, CIPS Chief Executive Officer Pat Breme, FAAR CEO.

Local, state, and territorial associations of REALTORS®, as a condition of membership in the National Association of REALTORS®, must meet NAR’s Organizational Alignment Core Standards, a set of requirements that fall into six categories:

1. Code of Ethics- an established professional standards process; Code of Ethics training NAR is flexing its muscles and demanding a higher level of services for members of REALTOR® associations. Nationwide 54% of the associations have 500 or less members and optimal services may not be available due to lack of funding or other variables. NAR is urging mergers and shared services among struggling associations so all members can expect a certain level of service.

FAAR’s leadership and staff are confident the association will meet the standards and be recertified. The greatest burden is compiling the required data but staff has divided the workload based on their specific areas of responsibility. “We are collecting information from manuals, policies and governance documents and waiting for formatting and uploading directions from NAR”, explains 36

2. Advocacy- responding to calls-to-action, RPAC billing/ contributions, engagement in policy issues that affect REALTORS®

3. Consumer Outreachproviding statistical information to the public, community service projects related to housing, building relationships with elected officials 4. Unification Efforts and Support of the REALTOR® Organization- legal counsel, updated strategic plan, professional staff training, member communications

5. Technology- website with linking ability to other sites

6. Financial Solvency- audit opinion or accountant’s review report, established sound financial and investment

structures/policies

The cited examples are just some of the areas that each association will have to show proof of performance.The deadline for certified compliance with the standards is by June 30, 2015—and by June 30 of each subsequent year—or be subject to revocation of their charter. The standards were approved by NAR’s Board of Directors in May 2014 and replace a previous set of organizational standards. The purpose of the new standards is to raise the bar for REALTOR® associations and ensure highquality service for REALTORS®. Enforcement of the Organizational Alignment Core Standards will be the joint responsibility of the local associations, state and territorial associations, and national association. NAR is currently building an online compliance reporting process, with expected completion in fall 2014.

2014 NEW MEMBERS W January

Gary Gardiner, Jr Ashley Sliger Carole Green Kevin Dunn Annie Nelson Dennis Parsons Jennifer Kleczkowski Robert Flanagan Niki Smith Marla Clark Rachel Sowers Michelle Smith Heidi McPherson Jamie Decatur Muhammad Shahid James Gonzalez Lauren Rowley Brian Ashton Januari Samuels Sheila Tibbitts Amie McCulloch Kevin Plourde Sharon Miller Rachel Ratcliff Martha Stinson Elise Suich Nona Adams Rhonda Johnson Darlene Kitterman Dale Goodrich Sharon Duke Randall Tingler Helen Chapman Michael Wickliff Stephanie Bechtel Karen Jones Jose Montanez, Sr Stacey Oliver Linda Futato Myles Eglevsky

February

Korrie Gallahan Christine Maher Eunicseia Johnson-Byrd Marian Hart Ianthe Johnson Rose Rios Wendalyn Nappier Christopher Tate David Stone Lori Anne Connolly Alec Oughton Donald Roth Rhonda Kohnen Kevin Edwards Rebecca Haynie Angela Brooks David Browne Claudia Hoyos-Artega Claudia Palmeri Doreen Phillips Linda Learn Amber Clements Jade Ritchie

March

Tina Seyfert Erin Stopyro Catherine Stanton Robert Wenninger Sarika Chopra Jody Milano Ahmad Williams Wendy Babec Shaunda Howerton Brydon Jackson Michael Flynn Christopher Burns Sandra Huizenga Rick Loy Jonathan Babec Michelle Hudson Crystal Carter

Maria Kelly Patricia Piazza Jennifer Decker Ashley Reeves Ted Dixon III Brian Walls Alysha Washington

April

John Lynch III Renee Garrett Neil Sullivan Joan Wells Julie Weems Jennifer Harris Brenda Locke Amy Adams Steven Weber Allison Stenger Tre Norman Patricia Talbott Dennis Massey Natassia Clemmons Deborah Nelson Mary Jachimczuk Cheryl Sjostrom Patricia Scelfo Robert Chapman Keith Bourgault Deborah Ruocco-Toledo Virgis Brown Kathleen Thompson Joy Crombie Heidi Dimas Andrea Staples Theodore Eisenman Michel Mealo Kelly Almand Ginger Walker Gordon Wayne Margaret Burke Michael Crisp Sherwood Moore Clay Murray

WELCOME TO FAAR Ben Quann Cheryl Coons Teresa Broomer Monica Bogert Janice Boles Cherub Daniels Clarence Mills Steve Zolnowski Susan Neal Kate Burrell Deborah Ouellette Latroya Chew Kimberly Jennings Thomas Homan

Isabel Friday Nicholas Sebring Ricardo Miranda Madeline Crespo

May

Winston Hicks Carol Moss-Bailey Magnolia Martin Darren Meyer Ashley Holmes Evelyn Lesh Darlene Davis Angela Crowell Sophia Cressy Thomas Distasio Daniel Hawley Kingsley McNairn Jacqueline Britt Melanie Gray Angela Spencer George Lyons Rebecca Harris Ada Villatoro

Tina Stuart Annisa Staats Milissa Peznola Kimberly Robinson Jonathan Burke Ella Rock Tina Ott Rene Anderson July Beverly Reinharz Matthew Patterson Robert Wilhite, Jr Denise Ivey Amy Farmer Stephanie Fleming Denisse Szmigiel Jennifer Church Shawn Humberger Cynthia Taylor-DuBois Ann Slaughter Doug Bray Laura Sollars Cheryl Izzo Sarah Foy Janay Hutcheson Your goal is to turn buyers into homeowners. Our goal is to provide financing to make Jessica Cornejo that happen. And, as the nation’s #1 residential mortgage lender, we provide a wide array Kristi Burke

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June

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3447 Fall Hill Ave, Fredericksburg, VA 22401 Office: 540-785-3301, Fax: 540-548-2016 www.wfhm.com/loans/fredericksburg-builderva Information is accurate as of date of printing and is subject to change without notice. Stephanie Walters Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2014 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS1013503 Expires 4/2014

Do you want to judge the 2014 Builders Association Parade of Homes? Judges will determine the much coveted Realtors速 Choice Award for best overall value! Judging days are Monday, September 29 and Tuesday, September 30. Contact Kim McClellan (kmcclellan@faarmembers.com) for an application today.

RPAC Golden “R” Investor ($5,000) Melanie Thompson

Crystal "R" Investor ($2,500) Christine Singhass Suzy Stone Claire Forcier-Rowe

Sterling “R” Investor ($1,000) Andrew Fristoe David Moberly Patricia Breme Alicia Angstadt Suzanne Brady*

Governor’s Club ($500) Teunsha Williams-Hinnant* Debra Irwin* Capitol Insider ($250) Linda Fosdick Dawn Josemans Mary Rich Ralph DeRosa Teunsha Williams-Hinnant Mark Geslock

$99 Club ($99)

Sarah Stelmok Adrianna Cowan Daniel Lesher Latana Locke Margaret Smith Chip Taylor Elsa Rake Ruth Dodson Linda Laub-Canty

C. Lynn Lenahan Erin Newbill Michael O'Connell Melissa Stewart Merlyn Banks Ann Black Victoria Boarman-Phillips Michael Boitnott Cheri Brown Alanna Burleson Samuel Cachola Nick Calamos Barbara Castillo John Cheadle Arthur Chiavaroli Earnest Dass Alberta Davis Daniel DeMarchis Jo Anne Green Bettina Grein Carol Holley Cynthia Joskowiak Robin Marine Arlene Mason John McEwen Clay Mihoulides Thomas Neal Patrick Osborne Richard Pruitt Matthew Rathbun Robert Rochon Hunter Scott Sandra Sheehan Ralph Skidmore James Smith Richard Snow Lyra Stroud Denise Vrabel Jane Wallace

Fair Share Investor ($30) Lisa Dario Hilary Delwiche Katrina Heldreth Natalie Holt Juli Mock Sandra Pearce Joshua Phares Bonnie Ramey Karin Whitley Frank Franco Donna Chandler Cindy LeBrun Patricia Martin Brooke Miller

Mark Miller Shelly Thompson Laura Fangman Debra Irwin Diana Lester William McGrady Laura Monaghan Ada Murphy Lori Noland Ashley Striegler Laura Lee Jaworski John Alfasi Robert Almy Charles Amos Sabrina Anderson Brenda Andrews Elaine Arnold Debbie Bailey Sherry Bailey Bobby Balderas Warren Bane Nguyen Banks Tricia Barnes Lisa Barrett Kathryn Barry Sharon Behl Alexander Belcher Kathryn Belcher Robert Belman Carmella Bennett William Bethards James Bethell Susan Beuchert Anne Bierlein Marylou Blue Doreen Boggs Audrey Borja Virginia Bradshaw Milton Branch Cathy Bray Sonny Bray Kevin Breen David Brewer Ralanda Brewer Shawna Brock E. Gerald Brown Jamie Brown Jeanette Browne Joseph Brumfield Andrea Buck Alan Burrell Kerry Bush Robin Butler Steven Buwe Georgia Cachola Jennifer Caison Christopher Calamos Young Cameron Tina Carter

Patricia Carter-Feindt Melisa Casacuberta Theresa Cassi-Hook Thelma Cheadle Kathy Choi Phyllis Clark Rodney Clark Victoria Clark-Jennings Tiffany Cloud James Coates Joyce Compton-Lamantia Abelardo Contreras Amy Cooper Jessica Cooper Karen Corron Donna Cosola Alaina Cotton Cheryl Covey Mollie Cramer Kannatis Crawford Claudia Crone Tanji Cropp George Crowe Kathy Danielson Jeanne DeFeo Valerie Dellandre Kay Dennison Lynn DeSena Kristina Dixon Kelly Dodson Karen Donnelly Katharine Dove Paul Eakin Kathleen Elim Gayle Elliott Angela Epting Melissa Escobar Julie Farmer Lori Feldhaus Kison Fenwick Gregory Fernett James Fetsko Laurie Fetsko George Finley Tracey Fleming Carolyn Foster Charline Francis John Fugett Teresa Fugett Kathleen Gardner Ronald Gentry Monika Gibson Michael Gillies Robert Gillies Patricia Glover Donna Goodwin Judith Graham Lewis Graves Kathryn Greenlaw

RPAC Nicole Grinnan John Gustafson Brenda Hansen Thomas Hanson Michele Harlow Freida Harris Michele Harris Zachary Harrison Juli Hawkins Donald Helleu Nancy Hendrickson Patricia Herman Jennifer Hernandez Tiffany Hickman Lori Hillard-Wehr Evelyn Hite Charles Hoffman Janet Holt Lori Horstick Kelly Hovey Barbara Howe Ella Hubbard Shannon Hudson Shawn Huwar Brenda Hynson Robert Imperial Harold Irby Teresa Irish Leah Jacobsen Cynthia James Lindsay Janney Paul Janney Ellen Jarrell Barbara Jennings Douglas Jennings Vicki Jennings Deborah Jett Andrew Johnson Diana Johnson Ianthe Johnson Ralph Johnson Ralph Johnson Sanford Johnson Shelley Johnson Debra Joyce Margaret Jurich Christian Kaila Marie Kelly Stephen Kennedy Joyce Kerns Deborah Kindig Deborah Klingensmith Heather Krause Jason Krause Nichole Kreiner Gregory Lantier Pamela Lawrence Anna Lee

Barbie Lee Sharon Lee Janet Lewis Robert Lewis John Licata Patricia Licata Westley Littlejohn Cindy Locke Alex Long Marilyn Love-Cody Kelli Love-Smith Geraldine Ludwig Beverly Mabbitt Pamela Martin Debra Matalavage Constance Maternick Doris McAdams Patricia McCord Gregory McCracken Karen McFarlane-Young Kevin McGrath Linda Medley Robert Mercurio Camilla Messer Myklind Messinger Danna Middleton Christina Mihoulides Barbara Miller Danielle Miller Denise Miller Dolores Miller Tracy Miller Mary Minchin Nancy Mizelle Terri Moberly Katherine Mudd Connie Mulgrew Patricia Murphy Linda Murray Holly Nelson Marvin Nichols Crystal Norbeck Christina Nye Lisa O’Connell Janice O’Hara Vassa Olson Charles Ostlund Penny Ostlund Ruthan O’Toole Shawn Palivoda Ryland Payne James Peregoy Candice Perry Tina Perry Dana Phillips Anthony Picarazzi Barbara Pilley Erin Pitts

Paul Porthouse Deborah Price Kim Ransome Corey Reynolds Laura Reynolds John Rhea Dinah Richardson Jorge Robert Dana Robertson Harper Robinson Jeffery Robinson Sean Robinson Rudy Rodriguez Carol Rollins Melissa Rose William Roth Heather Roth-Hagerman Beverly Sala Joby Saliceti Elizabeth Sandridge Pamela Scavongelli Relda Schick Joseph Schlager Cornelia Schwartzman Peggy Scott Matthew Sealy Natalie Seliquini Dawn Settle Anthony Shade Sharon Shade Roy Shank Andrew Shannon Mitch Shumate Leona Skidmore Bruce Slater Courtney Smith David Smith David Smith Elerose Smith Marie Smith Thomas Smith Christopher Snow Sidney Sorenson Glenna Southard Sarah Southworth Sandra Stein Sandra Stevens Justin Stonehill Susan Stonehill Terrie Suit Cathi Sullivan Denise Sullivan Justin Sullivan Norman Sullivan Wanda Sullivan Kati Sweeney Bock Tonya Szakelyhidi

Amy Taylor Teressa Taylor Ed Tennstedt Martha Thompson Camilla Tierney Laura Tilden Carolyn Timmons William Todd Bonita Tompkins Penny Traber Tammy Tran Lauren Truchsess Susan Turton Paul Vadeboncoeur Joy Veazey Virginia Vickers Michael Vrabel Wayne Vucovich Barbara Waite Michelle Walden Kelli Walker Eunice Waller Rebecca Walley Kemper Weaver Timothy Webb Margery Westerbeck Mark Westerbeck Betty Westerlund Kenneth White Tessa Wilborne Christopher Williams James Williams Renee Williams Betsy Willsey Tina Wilmore Terance Wilson Aneida Wolford-Teasdale Grace Wozniak Bobby Wright

All of the individuals on this list have invested their Fair Share of $30 or more in RPAC in 2014. Don’t see your name? There is still time to give to RPAC and be recognized for your contribution! You can give at the FAAR Expo in September or send a check to the FAAR office today. Call Kim McClellan at 540373-7711 for more details about how you can invest.

ABR Designation Core Course ABR Designation Course—The overall goals of the Accredited Buyer’s Representative Designation course are to prepare real estate professionals to represent buyer-clients in real estate transactions and provide the quality of service and degree of fidelity to buyers that sellers have customarily enjoyed. In addition, this course will offer ideas and methods for building a buyer

Upon completing the two-day core

representation business.

course and successfully passing the exam, students will have achieved

Instructor:

Donna Austin

Dates:

September 11 & 12—ABR Designation Core Course

ABR® candidate status, which includes an elective course, to become an ABR® Designee. In addition, students will automatically

Time:

8:30 a.m. - 5 p.m.

Location:

FAAR Classroom, 2nd Floor

become a member of REBAC for one year—free!

2050 Gordon W. Shelton Blvd.

Visit www.rebac.net for complete details on earning the ABR Designation.

Fredericksburg, VA 22401

Registration is required.

Fee includes a 1-year membership to REBAC.

Register Online — logon to faarmembers.com, click “Online Registration” under Education tab and follow prompts or by Fax — complete the registration form below and then fax to 540-736-0301

MEMBER Early Bird Registration Extended!



ABR Core Course Designation Only September 11 & 12

NON-MEMBER

Early

Regular

Early Before 8/255

Starts 8/266

$275

$330

$299

$358

Before 8/25

Starts 8/26

Regular

  Name: _______________________________________________ Company: ____________________________________________________ Phone: _____________________________________ Email Address: ___________________________________________________________ Payment:  VISA

 MasterCard  Am. Express CC #: ____________________________________________ 3-digit CVC # ___________

Expiration Date: ___________________________

Total Amount: ___________________________________

Authorized Signature: _________________________________________________________________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least 3 (3)business days prior to the class date.

This event counts for 5 pts. under Education Activities toward the Professional Honor Role recognition. ABR Core

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Mouse versus Keyboard – which one wins? By Paddy Osborne, Technology Committee Chair I have been fortunate in my life to have spent a lot of time working with or around computers, and have been able to learn and absorb lots of handy time saving tricks along the way.

the value, but to illustrate my point while writing this, I did a quick self-timed experiment……..

Using the mouse I opened a new blank document, selected the first paragraph of text in this One of the most valuable habits document, then clicked through the menus to Copy and Paste that I picked up several years a duplicate of the paragraph ago will work in most Windows based applications and programs: into the new document. Total Using keyboard shortcuts instead time was approximately 20of reaching for the mouse. 25 seconds. Using keyboard shortcuts the time to perform exactly the same task was If you are familiar with this reduced to just over 5 seconds. Here are the keystrokes used: Ctrl-N, Alt-Tab, Shift-Down Arrow, Ctrl-C, Alt-Tab, Ctrl-V (see glossary below for more information).

available keyboard shortcuts

either next to the command in the dropdown menu, or by hovering the cursor over the command to be performed. Many of the more common commands are universal like Cut, Copy and Paste, and some are application specific.

All of the MS Office applications (depending on the version you practice then you will understand are running) will show you

Here is a quick glossary of some of the most useful timesavers that I use on a regular basis: • Ctrl-N =New Document

current cursor location downward

• Shift-Up Arrow = Selects text from current cursor location upward

• lt-Tab (Once) = Switch to last application • Shift-Crtl-End = Selects text from current window cursor location to the end of the document • Shift-Crtl-Home = Selects text from • Alt-Tab (Hold Alt, and repeatedly press current cursor location to the Start of the document Tab) = Scrolls through list of all open windows/applications • Ctrl-C = Copy • Ctrl-Home = Takes you back to beginning of the page, document or Cell A1 in Excel • Ctrl-X = Cut • Shift-Down Arrow = Selects text from • Ctrl-V = Paste

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I N S U R A N C E

I N V E S T M E N T S

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Loans are subject to credit approval. Only deposit products are FDIC insured. © 2014, Branch Banking and Trust Company. All rights reserved.

Karen Liebenow 540.786.5769 NMLS# 432568