2018 Real Estate Continuing Ed Schedule for SC

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2018 Continuing Education Guide Chip Browne, Owner

Real estate professionals rely on us to provide quality education. No gimmicks or so-called “free” lunches here, just the exact thing you’ve come to expect from us: Relevant information and Commission-approved courses to meet your renewal requirements easily and on time, every time.

We Know Real Estate. Let Us Teach You.

It’s All About Your Schedule, Your

Choice

1 Day Mix and Online in Class Match Anytime


Continuing Education Classroom Titles Available Rev. February 2018

CEExxxx Ethics – Do the Right Thing 2 hours CEExxxx Property Management Express 2 hours CEE2882 Government Backed Loans 2 hours CEE2881 Conventional Loans 2 hours CEE2714 CEE749 CEE970 CEE1043 CEE1148 CEE1149 CEE1352

Understanding 1031 Tax Free Exchanges 4 hours Environmental Considerations in Real Estate 4 hours Home Inspection and the Danger of Mold 4 hours Having Good Title… Who Owns It? 4 hours Trust Accounts- Why Take Chances? 4 hours Fair Housing and Office Policy Manual - It’s the Law! 4 hours Giving Credit Where It’s Due...The Ultimate Guide to Buyer Eligibility 4 hours CEE1356 How Ethics Can Equal Real Estate Success 4 hours CEE1823 Risk Management 4 hours CEE1880 Eco-Friendly Real Estate: How to be Green 4 hours CEE2542 Unlocking the Mysteries of Property Management 4 hours CEC2630 TRID Safely in a Flood of Disclosures CORE) 4 hours CEE2686 BIC Duties and Responsibilities 4 hours CEE2443 Historic Properties: Selling the Past 4 hours CEE1734 Condominiums and Cooperatives 4 hours CEE2088 Price it Right: Valuation Guidelines 4 hours CEE2880 Commercial & Investment Real Estate: Tools Of the Trade 6 hours CEE1883 Mortgage Fraud: A Dangerous Business 6 hours This list is not all-inclusive.

Mix and Match 1 Day in Class Online Anytime

10 hours of continuing education must be completed by June 30th.

•Salesmen and broker licensees need 4 core, 6 elective hours. •BIC licensees need 4 core, 4 BIC-specific and 2 elective hours.

Dual credit is available for both real estate and appraisal for the six hour class, Mortgage Fraud: A Dangerous Business. The six hour Mortgage class counts for seven hours of appraisal continuing education. Salesmen and broker licensees who are NOT BICs can still take the course, BIC Duties and Responsibilities for elective credit of 4 hours. That course title is mandatory for those holding a BIC license.

Online or Classroom? It’s Your Choice. We have a number of courses in both online and classroom formats for your selection. Online classes offer SERIOUS convenience. Take anytime, anywhere. Get your certificate at the end. Renew your license. Resume your daily life. It couldn’t be easier.

www.studyonlineanytime.com

2 | realestateschoolofsc.fastclass.com for online courses


Classroom Courses Tuition: $99 for 10 hours, $90 for 8 hours, $65 for 6 hours, $45 for 4 hours, $25 for 2 hours Class Date 3/1/2018 THURS

3/10/2018 SAT

Location/# of Hours

Class Descriptions

Class Location

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

Real Estate School of SC, 101 Medical Cir, West Columbia, SC 29169, USA

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p: TRID Safely in a Flood of Disclosures. 4 hours of core credit.

12:30p - 6:30p Mortgage Fraud - A Dangerous Business. Counts as 6 hours of elective credit.

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 4:30p: Risk Management. 4 hours of elective credit. 4:30p - 6:30p: Ethics - Do the Right Thing. 2 hours of elective credit.

3/16/2018 FRI

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 4:30p BIC Duties and Responsibilities: 4 hours elective credit. Mandatory for BICs, but may be taken by other licensees for regular elective credit. 4:30p - 6:30p: Property Management Express. 2 hours of elective credit.

Columbia Continuing Education: 6 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. 4 hours of core credit.

4/3/2018 TUES

Columbia Continuing Education: 4 Hours in 1 Day

5:45p - 9:45p BIC Duties and Responsibilities. Counts as 4 mandatory elective hours for BICs and 4 regular elective hours for sales and broker licensees.

4/4/2018 WED

Columbia Continuing Education: 4 Hours in 1 Day

5:45p - 9:45p TRID Safely in a Flood of Disclosures. 101 Medical Cir, West Columbia, Counts as 4 hours of Core credit. SC 29169, USA

4/5/2018 THURS

Columbia Continuing Education: 2 Hours in 1 Day

5:45p - 7:45p Government Backed Loans. Counts as 2 hours of elective credit.

3/29/2018 THURS

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 2:30p Property Management Express. 2 hours of elective credit. 101 Medical Cir, West Columbia, SC 29169, USA

101 Medical Cir, West Columbia, SC 29169, USA

Call us to register: 803-791-3800 realestateschoolofsc.com for classroom course registration | 3


Classroom Courses Tuition: $99 for 10 hours, $90 for 8 hours, $65 for 6 hours, $45 for 4 hours, $25 for 2 hours 4/6/2018 FRI

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p Understanding 1031 Tax Free Exchanges. Counts for 4 elective hours.

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 4:30p TRID Safely in a Flood of Disclosures. Counts for 4 core hours. 4:30p - 6:30p Property Management Express. Counts for 2 elective hours.

4/11/2018 WED

Columbia Continuing Education: 4 Hours in 1 Day

12:30p - 4:30p BIC Duties and Responsibilities. Counts for 4 mandatory elective hours for BICs and 4 regular elective hours for sales and broker licensees.

101 Medical Cir, West Columbia, SC 29169, USA

4/21/2018 SAT

Columbia Continuing Education: 8 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of core credit.

101 Medical Cir, West Columbia, SC 29169, USA

Charleston Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

5/2/2018 WED

12:30p - 4:30p Trust Accounts: Why Take Chances. Counts as 4 hours of elective credit.

12:30p - 4:30p BIC Duties and Responsibilities. Counts as 4 hours of mandatory elective credit for BICs and 4 hours of regular elective credit for sales and broker licensees.

Theodore S. Stern Student Center, 71 George St, Charleston, SC 29401, USA Room 206

4:30p - 6:30p Government Backed Loans. Counts as 2 hours of elective credit. 5/3/2018 THURS

Columbia Continuing Education: 4 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts for 4 hours of core credit.

101 Medical Cir, West Columbia, SC 29169, USA

5/4/2018 FRI

Columbia Continuing Education: 6 Hours in 1 Day

8:00a - 2:30p Mortgage Fraud: A Dangerous Business. Counts for 6 hours of elective credit. Includes a 30 minute lunch break at noon.

101 Medical Cir, West Columbia, SC 29169, USA

Call us to register: 803-791-3800 4 | realestateschoolofsc.fastclass.com for online courses


Classroom Course Descriptions Course Descriptions: Unlocking the Mysteries of Property Management: This four hour elective course provides an up to date introduction to property management with a focus on practical advice on how to comply with regulations and avoid liability. It includes Liability Alerts that offer suggestions for avoiding liability from both owners and tenants, case studies, key terms and more. 4 hours elective credit. Ethics – Do the Right Thing: This two hour elective course provides a discussion of case studies involving questions of ethical behavior and current ethical issues. A copy of the NAR Code of Ethics is also provided for student reference. 2 hours elective credit. Risk Management: With the risk of legal liability an increasingly serious problem for real estate brokers and agents, this course provides the essentials of risk management that every sales professional must know to avoid legal problems and give their clients the best service possible. 4 hours elective credit. Environmental Considerations in Real Estate: To sell to today’s safetyconscious consumer, real estate agents must do more than just disclose known hazards. He or she should be able to recognize hidden hazards and advise the client on how best to deal with these problems. This course teaches agents what to look for when evaluating a property, how to perform due diligence regarding environmental issues and how to avoid legal liability. 4 hours elective credit.

Understanding 1031 Tax Free Exchanges: This course explores the history, evolution, rules and forms of the strategy used to defer tax liability until a later date. Loaded with real life examples and calculations, this course allows agents to learn the vocabulary and application of tax-free exchanges so they are better able to answer client questions. A recent review of content ensures students will receive the most up to date materials. 4 hours elective credit. Home Inspections and the Dangers of Mold: This four hour elective course offers information for agents inspecting properties on topics such as asbestos, hazardous vegetation and more. 4 hours elective credit. Trust Accounts – Why Take Chances: Learn the valuable skill of managing your trust account, even if you don’t keep the books yourself. Control procedures will be covered. This course is an important step in reducing the risk of mishandled funds. 4 hours elective credit. Ethics Can Equal Real Estate Success: The four hour elective class reflects the latest information from the Code of Ethics and Standards and Practice of the National Association of Realtors® (NAR). Students will gain greater insight into the responsibilities and duties required of Realtors® and recommended sanctions for violations of the Code. This title meets NAR’s requirements for new members to complete ethics training and continuing members to complete quadrennial ethics training. 4 hours elective credit. Eco-Friendly Real Estate: How to be Green: This course takes the

mystery out of green and sustainable building concepts for commercial and residential real estate licensees. The text differentiates between government initiatives and non-profit, private associations and explains how each impacts green building and maintenance practices. Licensees looking to serve the expanding market of consumers interested in high performance building practices will find practical information on products, designations, and certifications such as LEED and Green Globes. 4 hours elective credit. Guide to Buyer Eligibility: In a time of financial restructuring and a rapidly developing regulatory environment, this course offers an invaluable resource for real estate professionals practicing in several different fields. This course covers everything from the restructuring of government organizations like Fannie Mae, Freddie Mac, and the new Consumer Financial Protection Bureau to updated private policies regulating loan limits and flood insurance. Key terms, case studies, financial appendices, and other learning tools make this course the best bet for staying up to speed in today’s fastmoving real estate economy. 4 hours elective credit. Mortgage Fraud: A Dangerous Business: This class addresses the hand-inhand issues of predatory lending and mortgage fraud and how they affect foreclosed and repossessed properties. Each section is devoted to a specific topic and includes a definition and discussion of the issue, relevant information, and the impact of the topic on real estate agents. 6 hours elective credit.

realestateschoolofsc.com for classroom course registration | 5


Classroom Courses Tuition: $99 for 10 hours, $90 for 8 hours, $65 for 6 hours, $45 for 4 hours, $25 for 2 hours 5/7/2018 MON

Hilton Head Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 12:30p - 4:30p BIC Duties and Responsibilities. Counts as 4 hours of mandatory elective credit for BICs and 4 hours of regular elective credit for sales and broker licensees.

Hilton Garden Inn Hilton Head, 1575 Fording Island Rd, Hilton Head Island, SC 29926, USA

4:30p - 6:30p Conventional Loans. Counts as 2 hours of elective credit. 5/11/2018 FRI

Upstate Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 12:30p - 4:30p BIC Duties and Responsibilities. Counts as 4 hours of mandatory elective credit for BICs and 4 hours of regular elective credit for sales and broker licensees.

Holiday Inn Express & Suites Greenville-I-85 & Woodruff Rd, 1036 Woodruff Rd, Greenville, SC 29607, USA

4:30p-6:30p Government Backed Loans. Counts as 2 hours of elective credit. 5/19/2018 SAT

Columbia Continuing Educaton: 10 Hours in 1 Day

8:00a - 12:00p Trust Accounts, Why Take Chances. 101 Medical Cir, West Columbia, Counts as 4 hours of elective credit. SC 29169, USA 12:30p - 4:30p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 4:30p - 6:30p Ethics - Do the Right Thing. Counts as 2 hours of elective credit.

5/22/2018 TUES

Newberry Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 12:30p - 4:30p Unlocking the Mysteries of Property Management. Counts as 4 hours of elective credit.

Newberry Firehouse Conference Center, 1227 McKibben St, Newberry, SC 29108, USA

4:30p - 6:30p Government Backed Loans. Counts as 2 hours of elective credit. 5/30/2018 WED

6/5/2018 TUES

Columbia Continuing Education: 8 Hours in 1 Day

8:00a - 12:00p Fair Housing and Office Policy Manual. Counts as 4 hours of elective credit.

Columbia Continuing Education: 4 Hours in 1 Day

5:45p- 9:45p TRID Safely in a Flood of Disclosures. 101 Medical Cir, West Columbia, Counts as 4 hours of Core credit. SC 29169, USA

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 4:30p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

Call us to register: 803-791-3800 6 | realestateschoolofsc.fastclass.com for online courses


Classroom Courses Tuition: $99 for 10 hours, $90 for 8 hours, $65 for 6 hours, $45 for 4 hours, $25 for 2 hours 6/6/2018 WED

Columbia Continuing Education: 4 Hours in 1 Day

5:45p - 9:45p Risk Management. Counts as 4 hours of elective credit.

101 Medical Cir, West Columbia, SC 29169, USA

6/7/2018 THURS

Columbia Continuing Education: 2 Hours in 1 Day

5:45p - 7:45p Conventional Loans. Counts as 2 hours of elective credit.

101 Medical Cir, West Columbia, SC 29169, USA

6/8/2018 FRI

Charleston Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

Theodore S. Stern Student, 71 George St, Charleston, SC 29424, USA Room 206

Surfside Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

6/12/2018 TUES

12:30p - 6:30p Commercial and Investment Real Estate: Tools of the Trade. Counts as 6 hours of elective credit.

12:30p - 4:30p BIC Duties and Responsibilities. Counts as 4 mandatory elective credit hours for BICs and 4 regular elective credit hours for sales and broker licensees.

Holiday Inn Oceanfront @ Surfside Beach, 1601 N Ocean Blvd, Surfside Beach, SC 29575, USA

4:30p - 6:30p Property Management Express. Counts for 2 elective hours. 6/13/2018 WED

Hilton Head Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p Understanding 1031 Tax Free Exchanges. Counts as 4 hours of elective credit. 12:30p - 4:30p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

Hilton Garden Inn Hilton Head, 1575 Fording Island Rd, Hilton Head Island, SC 29926, USA

4:30p - 6:30p Ethics - Do the Right Thing. Counts as 2 hours of elective credit. 6/15/2018 FRI

Upstate Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p Unlocking the Mysteries of Property Holiday Inn Express & Suites Management. Counts as 4 hours of elective credit. Greenville-I-85 & Woodruff Rd, 1036 Woodruff Rd, Greenville, SC 12:30p - 4:30p TRID Safely in a Flood of 29607, USA Disclosures. Counts as 4 hours of Core credit. 4:30p - 6:30p Ethics - Do the Right Thing. Counts as 2 hours of elective credit.

6/16/2018

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 12:30p - 6:30p Commercial and Investment Real Estate: Tools of the Trade. Counts as 6 hours of elective credit.

101 Medical Cir, West Columbia, SC 29169, USA

Call us to register: 803-791-3800 7 | realestateschoolofsc.fastclass.com for online courses


Classroom Courses Tuition: $99 for 10 hours, $90 for 8 hours, $65 for 6 hours, $45 for 4 hours, $25 for 2 hours Columbia Continuing Education: 4 Hours in 1 Day

8:00a - 10:00a Property Management Express. Counts for 2 hours of elective credit.

6/20/2018 WED

Columbia Continuing Education: 4 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

101 Medical Circle, West Columbia SC 29169

6/24/2018 SUN

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

101 Medical Circle, West Columbia SC 29169

Upstate Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

Columbia Continuing Education: 8 Hours in 1 Day

8:00a - 10:00a Ethics - Do the Right Thing. Counts for 2 hours of elective credit.

6/19/2018 TUES

6/25/2018 MON

6/26/2018 TUES

101 Medical Circle, West Columbia SC 29169

10:00a - 12:00p Conventional Loans. Counts for 2 hours of elective credit.

12:30p - 6:30p Mortgage Fraud: A Dangerous Business. Counts as 6 hours of elective credit.

12:30p - 6:30p Mortgage Fraud: A Dangerous Business. Counts as 6 hours of elective credit.

Holiday Inn Express & Suites Greenville-I-85 & Woodruff Rd, 1036 Woodruff Rd, Greenville, SC 29607, USA

101 Medical Cir, West Columbia, SC 29169, USA

10:00a - 12:00p Property Management Express. Counts for 2 hours of elective credit. 12:30p - 4:30p TRID Safely in a Flood of Disclosures. Counts for 4 hours of Core credit.

6/27/2018 WED

Columbia Continuing Education: 8 Hours in 1 Day

8:00a - 12:00p BIC Duties and Responsibilities. Counts as 4 mandatory elective hours for BICs and 4 regular elective hours for sales and broker licensees.

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 4:30p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 6/29/2018

Columbia Continuing Education: 10 Hours in 1 Day

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit.

101 Medical Cir, West Columbia, SC 29169, USA

12:30p - 4:30p Having Good Title. Counts as 4 hours of elective credit. 4:30p - 6:30p Ethics - Do the Right Thing. Counts as 2 hours of elective credit.

Call us to register: 803-791-3800 8 | realestateschoolofsc.fastclass.com for online courses


Classroom Courses Tuition: $99 for 10 hours, $90 for 8 hours, $65 for 6 hours, $45 for 4 hours, $25 for 2 hours 6/30/2018 SAT

Columbia Continuing Education: 10 Hours in 1 Day DEADLINE DAY!

8:00a - 12:00p TRID Safely in a Flood of Disclosures. Counts as 4 hours of Core credit. 12:30p - 4:30p How Ethics Can Equal Real Estate Success. Counts as 4 hours of elective credit. 4:30p - 6:30p Property Management Express. Counts as 2 hours of elective credit.

101 Medical Cir, West Columbia, SC 29169, USA

www.studyonlineanytime.com

Complete your real estate continuing education at your leisure

Convenient & Flexible Purchase the course now and study at your own pace throughout the full course timeframe. Fully Approved Our courses are fully approved by the appropriate state and national certification organizations. Educational All of our courses are developed by industry experts and experienced instructional designers ensuring they are current for today’s market condition and learning styles. Guaranteed If you are not satisfied with any course for any reason, please contact us and let us know. We offer a wide variety of online courses to meet your needs for real estate continuing education in South Carolina. New in 2018: the requirement is 10 hours by June 30th, instead of 8 hours. Salesman and broker licensees need 4 core and 6 elective hours. BICs need 4 core, 4 BIC-specific and 2 elective hours.

Call us to register: 803-791-3800 9 | realestateschoolofsc.fastclass.com for online courses


Classroom Course Descriptions Fair Housing and Office Policy Manual: It’s the Law: Today’s real estate practitioner must establish business practices that comply with fair housing laws and offer equal professional service to all. Consistency, objectivity, and documentation are critical in accomplishing this objective. This popular class covers topics important to today’s real estate professional. Case studies help students apply the fair housing laws to real-world situations that they may encounter in their own businesses. A copy of a sample office policy manual is included for student use as well. 4 hours elective credit.

hours elective credit.

Having Good Title: Who Owns It: This Course enables a real estate agent to find his or her way around the county courthouse system and the methods for obtaining important recorded documents without needless delays. 4 hours elective credit.

Property Management Express: This two hour elective course provides an introduction to property management with a focus on practical advice on how to comply with regulations and avoid liability. Hear suggestions for avoiding liability from both owners and tenants. 2 hours elective credit.

Commercial and Investment Real Estate: Tools of the Trade: This course includes valuable real estate checklists and forms for evaluating commercial and investment properties. Students will explore financial calculations for different forms of real estate purchases and examine capital gains taxes and 1031 exchanges. You’ll learn how to help your client get to “the bottom line” in evaluating potential purchases and sales of commercial real estate and investment properties. 6 hours elective credit. Condominiums and Cooperatives: The market for condos and cooperative living homes continues to grow, and this class offers agents a look at the issues associated with the buying and selling of properties, including condominium legislation, conversions, new construction and insurance. 4

Price it Right: Valuation Guidelines: Proper pricing is key to selling your listing in a timely manner. The question is: how do you know what the correct price is? The way to find the right price is knowing what factors to consider and how much weight to give each piece of information when finalizing the initial offering amount. Price It Right! Valuation Guidelines for Agents teaches you a step by step method using standard appraisal practices to help your clients achieve the right price on the first try. 4 hours elective credit.

Government Backed Loans: This course explores the different options available for mortgages in the government backed loans sector. Students will be able to identify the guidelines to be followed for FHA-insured loans, including maximum loan amount, minimum down payment, qualifying ratios, compensating factors and seller contributions. Guidelines for VAguaranteed loans will be discussed, including the VA funding fee. 2 hours elective credit. Conventional Loans: This course helps students describe the guidelines for conforming loans, including private mortgage insurance requirements. An explanation of Fannie Mae and Freddie Mac loans and other nonconforming loan products is provided, along with the components and pros and cons of

adjustable rate mortgages. Students will learn to calculate the monthly mortgage payment on any given loan, and the borrowing power of a prospective purchaser. 2 hours elective credit. BIC Duties and Responsibilities: This course is a requirement for those holding a Broker in Charge license. Students will learn what duties are mandatory for BICs and craft a sample job description. The main focus of the course examines the details of managing the trust account and what BICs should do to maintain compliance with laws and regulations regarding trust funds and reconciliations. 4 hours elective credit. TRID Safely in a Flood of Disclosures: This four-hour course meets the requirements for the mandatory core course from 2016-2018 and covers the complexities of the new disclosures and forms required in real estate closings. Students will be able to explain the rules to buyers and sellers regarding the impact the rules will have on their real estate transactions. Students will also become aware of resources to assist buyers and sellers in understanding the TRID rules and process. COUNTS FOR 4 HOURS OF CORE CREDIT. ONLINE COURSES – available at studyonlineanytime.com: New this year, we are offering different courses through our main learning portal at www.studyonlineanytime.com You can choose from four different experiences and mix and match your courses across any or all of the portal outlets. Check out: studyonlineanytime.com for all of this year’s options.

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