Summer 2016

SAN GABRIEL VALLEY CONNECTION

SUMMER 2016

A PUBLICATION FOR MEMBERS OF THE WEST SAN GABRIEL VALLEY ASSOCIATION OF REALTORS®

How Do You Reach Buyers From Other Countries?

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Commercial Price Growth Expected To Slow in 2016 Page 9

Legal Update: How The Courts Can Help REALTORS® Make More Money Page 12

Lights, Camera, Action!

WSGVAR Events Page 16

1039 E. Valley Blvd. #205B, San Gabriel, CA, 91776 Office:(626) 288-6212 Fax:(626) 288-7658 Email: info@wsgvar.com Web: http://www.wsgvar.com

San Gabriel Valley Connection Upcoming Education Schedule JULY 8th

Lunch & Learn 11:30am—2:30pm

13th

CRMLS Training 10am—3pm

11th

RPA Training 9am—12pm

12th

RPR®Advanced 10am—11am Commercial Class 1pm—3pm

18th

zipForm® Plus Training 9:30am—12:30pm

19th

e-PRO® Certification 9am-3pm

22nd

Probate Training 1:30pm—4:30pm

25th 29th

CIPS Designation Course

Office: (626) 288-6212 | Fax: (626) 288-7658

9:00 AM—5:00 PM Thursday:

www.wsgvar.com | info@wsgvar.com

8:00 AM - 5:00 PM

OFFICERS KEVIN KWAN President

SUZI DUNKEL-SOTO President-Elect

AUGUST Top Agent Panel and Mastermind 10am-2pm

5th— 6th

Commercial 2 Day Course 9am-5pm

8th

RPR Basic 10am-11am

9th

Commercial Class 1pm-3pm

10th

CRMLS Training 10am-3pm

12th

Lunch & Learn 11:30am-12:30pm

15th

zipForm® Plus Training 9:30am-12:30pm

19th

45-Hour License Renewal 9:30am-12:30

26th

Lunch & Learn 11:30am-12:30pm

29th 30th

Seniors Real Estate Specialist Designation 9am-5pm

Visit http://www.wsgvar.com/ Education/EducationCalendar.aspx for a complete education class schedule.

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WSGVAR Association Staff

Inside this issue:

Albert Tran

Presidents Message

3

Market Trends

4-5

Director of Operations barbaray@wsgvar.com

Global Reach

6-8

Susan Krogstad

Commercial Corner

9-11

Legal Update

12

Bookkeeper karen@wsgvar.com

Legislative Days

13-14

Belen Berrios

New Member Orientation 15

Executive Officer albert@wsgvar.com

Barbara Yelinek

HELEN MARSTON Vice President

2nd

Monday-Wednesday and Friday:

1039 E. Valley Blvd, #205B San Gabriel, CA 91776

GIUSEPPE “JOE” VENEZIANO Secretary/Treasurer

DIRECTORS CHAD ARAKI THOMAS O. BERGE YIN BIHR MARIAN CAVATAIO BRIAN CHEN LING CHOW LORRAINE CLARK

Membership/Supra Coordinator susan@wsgvar.com

Karen Snow

Communications Coordinator/ Affiliate Liaison belen@wsgvar.com

WSGVAR Events

16-20

Global/Events Coordinator david@wsgvar.com

A Look Ahead

21

Phong Ton

New Member Benefits

22

David Liu

LEE LIEBERG VINCE VENEZIANO

IMMEDIATE PAST PRESIDENT TOM BERGE, JR.

Education/Store Specialist phong@wsgvar.com

Elizabeth Gonzalez Executive Assistant/ Special Events Coordinator elizabeth@wsgvar.com

EXECUTIVE OFFICER ALBERT TRAN

Rachel Yelinek Multimedia Designer rachel@wsgvar.com

Summer 2016 | San Gabriel Valley Connection

President’s Message Summer 2016 Hello Fellow WSGVAR REALTORS®!

We are already half way through 2016! We are about to reach the peak summer months of our business and what a year it has been so far. The real estate market is in full swing again and we are reaching new heights in the industry. It’s an exciting time to be in real estate and even more exciting time to be a WSGVAR member.

We just wrapped up our yearly legislative meetings, the first being in Sacramento in late April where we joined over 2,300 other REALTORS® from all across the state of California for Leg Day. We had Governor Brown address the REALTOR® Party, where he gave us a brief outlook as to the current state of California. We then went to visit our Assembly member Ed Chau to discuss some of the issues we are facing as an industry. The night was capped off with a Capital Reception where we networked with both our Assembly members and other REALTORS® from across the state.

In early May we continued to push the REALTOR® Party agenda in our nation’s Capital in Washington DC, where we met with our REALTOR® members from across the nation. We were able to meet with our Congresswoman Judy Chu to discuss some of the national issues we were facing as an industry.

In the coming months our association will be very busy with some major events and educational classes to better equip you in this ever changing market and to help you create more deals to make more money. Our Global Summit this year had an All-Star lineup of speakers that included a few of the industry’s major influential figures such as Joel Singer, the CEO of the California Association of REALTORS® who will give us an update on the 2016 Global Economics Forecast and Art Carter, CEO of the California Regional Multiple Listing Services who spoke on How Global CRMLS can Benefit your Foreign Business. We will also offer classes this summer on the following, the Residential Purchase Agreement, zipForm Plus, and Probate Training. You can also come earn your designations for ePRO® and CIPS at very low costs, so don’t miss out on these great opportunities.

Lastly, it has been a major initiative for me during my presidency to make sure our members receive the best benefits and are fully updated as to the events and classes that we have going on at our association. Make sure you take full advantage of some of the newest member benefits our Board of Directors approved for you to help you with your business.

MLS-Touch is a free application to our members that lets you quickly access all active, pending, expired and sold listings directly on your phone or tablet. You can search by map, get instant sales comps, live market stats, and send multiple listings by email and more in one touch. I am also proud to announce that our Board of Directors just recently approved another member benefit free to our members which is ShowingTime. Scheduling showings has never been easier. ShowingTime is a matrix-integrated showing request and feedback system that takes the hassle out of scheduling. Available 24/7, ShowingTime features instantaneous request delivery and confirmation through text, automated call, or the mobile app. Lastly, stay on top of the events and classes here at the association with text message alerts. It’s simple and easy, just text WSGVAR to 313131 to get signed up instantly. If you have any questions about these products, feel free to contact our staff for further details and assistance. Remember here at WSGVAR, We Put Our Members First!

Kevin Kwan 2016 President West San Gabriel Valley Association of Realtors

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Summer 2016 | San Gabriel Valley Connection

MARKET TRENDS LOCAL REAL ESTATE MARKET STATS

Source: California Regional Multiple Listing Service, Inc.

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Summer 2016 | San Gabriel Valley Connection

S t A t s Page 5

Summer 2016 | San Gabriel Valley Connection

GLOBAL REACH How Do You Reach Buyers from Other Countries?

March 4, 2016

It’s a complex question that involves more than one answer. If you’re a U.S.-based REALTOR®, for example, you’re accustomed to submitting listings to your MLS and using syndication services to republish them on various popular real estate portals. But will international buyers find your listings on these domestic sites?

U.S. agents have a distinct leg up, in that any property entered into the MLS will also appear on realtor.com and realtor.com/international, which syndicates listings from 46 different countries and attracts over 1 million monthly visitors from outside the U.S. (This is a free REALTOR® member benefit.)

While that’s impressive traffic and exposure, it still doesn’t ensure that buyers from other countries will find a U.S. agent’s listings. Further, not all International REALTORS® (NAR members based outside the U.S.) have free access to the syndicated sites included on realtor.com/international. Though, a number of NAR’s bilateral partners from across the globe do aggregate their members’ listings to the site.

To effectively market your properties across borders requires an entirely different process—and that process will vary depending on your personal circumstances, the type of property you’re trying to promote, and the type of buyer you’re trying to reach. Following are several key factors to consider.

What are your global buyer’s search options and preferences?

Put yourself in your target buyer’s shoes and ask yourself: What sites would this buyer most likely use for domestic searches? International searches? For an international search specifically in your country?

Do the sites they use for domestic searches also accept and promote international listings? Are there any niche sites that effectively promote the type of property you’re listing? Or are their niche sites catered to your particular type of buyer?

For example: Chinese buyers have been snapping up properties around the globe. The #1 domestic property portal is Fang.com (previously known as SouFun.com), where visitors can shop for homes across China, but also in the U.S., Australia, Canada, the United Kingdom, Japan, and other countries. Another popular site, Juwai.com, specifically targets Chinese buyers interested in overseas property, offering a very personalized service, including a customer call center. Global agents who want their property viewed by Chinese buyers typically must rely on sites like Fang and Juwai, which operate behind China’s firewall.

In Canada, on the other hand, the dominant domestic site for residential property (over 250,000 listings) is Realtor.ca, operated by the Canadian Real Estate Association (CREA) on behalf of its REALTOR® members. Over 80,000 commercial properties appear on an affiliated site (ICX.ca). For international property searches, realtor.ca is linked to Worldproperties.com. However, English-speaking Canadians shopping for homes in the U.S. readily use the major U.S. portals such as realtor.com, Zillow or Trulia.

In the United Kingdom, two leading sites—Right move and Zoopla—are the dominant property portals.

They both concentrate on domestic properties, but also offer limited listings beyond the U.K., primarily in the Eurozone.

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Summer 2016 | San Gabriel Valley Connection

Can you work with agents in other countries to help display your listings?

Just as U.S. agents regularly participate in cooperative listing agreements, it may be possible to establish an agreement with an agent in another country who’s well-connected with your target buyers and is willing to display one or more of your listings on their site. Christel Silver, CIPS, CRS, based in Delray Beach, Florida has successfully employed this technique to reach buyers in Germany. “This is a perfect example of how leveraging connections within the CIPS Network can work to your advantage,” explains Silver, who is also a past NAR President’s Liaison to Germany.

Can you use your own website to attract global buyers?

Silver has observed that buyers from other countries will find you if you make a point of reaching out to them on your personal website. Originally from Germany, she has a “German Page” prominently displayed on her site, where she provides her biography and credentials in fluent German (instead of relying on machine translation), including important keywords. “It’s just one page on my site, but it makes a big impact with search engines and with German visitors,” says Silver. “Every agent needs to market their listings, but when it comes to global buyers, it’s probably more important to market ourselves. Once a buyer is serious about purchasing property in another country, their first priority is finding someone they can trust to assist them.”

What about marketing directly to the CIPS Network?

This is where CIPS designees have a distinct advantage in the global real estate market. By networking with one another—at face-to-face events, by email exchange, or online (including the private CIPS Facebook group)—designees can meet and pinpoint qualified professionals in other markets with their finger directly on the pulse of global business. It’s an ideal way to tap into other markets and connect your global listings to the world.

International Search Options: Types of Property Portals

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Summer 2016 | San Gabriel Valley Connection

Who Provides Listings on realtor.com/international?

Included below is a list of some of the realtor.com/international data content providers, affiliated with NAR’s bilateral partner associations around the world.

For more information visit www.realtor.org.

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Summer 2016| San Gabriel Valley Connection

Commercial Corner Commercial Price Growth Expected to Slow in 2016

By George Ratiu, Director, Quantitative and Commercial Research on February 26, 2016

Commercial sales transactions span the price spectrum, but tend to be measured and reported based on size. Commercial real estate (CRE) deals at the higher end—$2.5 million and above—comprise a large share of investment sales, and generally receive most of the press coverage. Smaller commercial transactions tend to be obscured given their size. However, these smaller properties provide the types of commercial space that the average American encounters on a daily basis—e.g. strip shopping centers, warehouses, small offices, supermarkets, etc. These are the types of buildings that are important in local communities, and REALTORS® are active in serving these markets.

The National Association of REALTORS® Commercial Real Estate Outlook: 2016.Q1 report focuses on market performance in both large (LCRE) and small commercial (SCRE) sectors. The report provides an overview of economic indicators, investment sales and leasing fundamentals.

U.S. macroeconomic momentum dropped during the fourth quarter of 2015, buffeted by global economic slowdown and financial volatility. Business investments took a step back, and the strong dollar impacted net exports. Payroll employment offered a bright spot, closing the year with a total of 2.7 million net new jobs, boosted by private service industries.

Rising employment drove demand for commercial space across the property spectrum. Vacancies continued declining in the fourth quarter of 2015, as rising rents improved cash flows.

Investment Sales The pace of commercial transactions rebounded in the fourth quarter of 2015, after the third quarter slowdown.

The volume of commercial sales in LCRE markets totaled $157 billion, a 20 percent year-over-year increase, according to Real Capital Analytics (RCA). The fourth quarter data saw gains in both individual and portfolio transactions, with a marked jump in entity level exchanges, which rose 224 percent.

Across the entirety of 2015, apartment transactions comprised the largest share of volume, with $150.0 billion in sales, followed by office properties, which accounted for $145.8 billion. Retail and industrial sales totaled $87.6 billion and $76.5 billion, respectively. Industrial sales posted the largest year-over-year change in transaction volume— 54 percent.

In comparison, sales in SCRE markets rose 7.4 percent year -over-year during the fourth quarter, based on REALTORS® market data. The average transaction price declined from $1.9 million in the third quarter of 2015 to $1.6 million in the last quarter.

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Summer 2016| San Gabriel Valley Connection

Investment Prices Buoyed by rising sales and investor optimism, prices in LCRE markets rose by 12.3 percent during the last quarter of 2015, based on RCA’s Commercial Property Price Index. The advance was driven by strong appreciation in prices of CBD office and hotel properties, which advanced 18.9 percent and 16.1 percent, respectively. Separately, additional price indices reflected the gains in commercial valuations. The Green Street Advisors Commercial Property Price Index rose 9.7 percent on a yearly basis during the fourth quarter, reaching a value of 122.0, the highest since the index’s inception in 1998. The National Council of Real Estate investment Fiduciaries (NCREIF) Price Index moderated from its third quarter record of 251.61, but increased 5.1 percent year-over-year in the last quarter of 2015.

Capitalization rates in LCRE markets averaged 6.7 percent in the fourth quarter, based on RCA reports, 20 basis points lower than the prior period. Cap rate compression continued, as transactions of office properties in CBD markets tied for the lowest cap rates with apartments, at 5.8 percent.

With inventory shortage continuing as a main concern, prices in SCRE markets rose a more moderate 4.1 percent yearover-year during the period. Average capitalization rates declined to an average 7.8 percent across all property types, a 13 basis point compression on a yearly basis. Apartments posted the lowest cap rate, at 7.2 percent, followed by industrial properties with average cap rates at 7.4 percent. Office and retail spaces posted cap rates of 8.2 percent and 7.8 percent, respectively. Hotel transactions reported the highest comparative cap rates—8.6 percent. It is worth noting that these cap rates are higher than those in LCRE markets, reflecting activity in markets where REALTORS® are more engaged.

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Summer 2016 l San Gabriel Valley Connection

Outlook Looking ahead at 2016, the GDP annual rate of growth is projected to moderate, with a 1.4 percent advance. Following what is shaping up to be a weak first quarter, economic growth is expected to pick up in the second half of 2016 to the tune of 1.6 percent in the third quarter and 2.0 percent in the fourth one. Payroll employment is projected to post 1.3 percent annual growth rate for the year. The unemployment rate is projected to fall to 4.8 percent by the end of 2016.

Commercial fundamentals are expected to improve, with vacancies continuing on a downward trend. With strong fourth quarter volume, CRE investments closed 2015 on an upbeat note, moving toward the 2007 peak. In addition, January 2016 sales maintained momentum, totaling $44.5 billion and registering the second most active January on record, according to RCA. Given the global uncertainty and financial market gyrations, CRE is likely to remain an attractive alternative for investors this year. At the current sales pace, sales of LCRE properties are projected to total over $560 billion in 2016.

However, after a steep upward trajectory over the past few years during which they surpassed the prior 2007 records, CRE prices are expected to throttle back. With cap rates at very low levels and interest rates expected to rise, the price slowdown is projected to impact Class A assets in top-tier markets, where inventory shortages and crowding of capital have led to the recent run-up. Properties in smaller markets, where the recovery only began in 2013 are likely to see continued price appreciation.

For more information please visit www.realtor.org.

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Summer 2016 | San Gabriel Valley Connection

LEGAL UPDATE

HOW THE COURTS CAN HELP REALTORS® MAKE MONEY Most REALTORS® hope they never see the inside of a courtroom. But some court proceedings can help REALTORS® make money. Here’s a short summary of four (4) of them:

SPECIFIC PERFORMANCE How many times have you lost a commission because the seller refused to close escrow? The Superior Court has the power to force a seller to proceed with a transaction. All conditions to a seller’s obligations must have been satisfied or waived, the contract has to be clear and unambiguous, and the purchase price must be fair to the buyer. But if those circumstances exist, a buyer can force a seller to complete a sale.

PARTITION Have you ever wanted to list property but one or more co-owners could not agree to sell? In California, coowners have the right to separate their interests legally. If a parcel is large enough, the court can order that it be physically divided. Where it is not possible to physically divide property – as in the case of a single lot that cannot be subdivided – the Superior Court will order it sold.

QUIET TITLE Sometimes you think you have a deal until the preliminary title report is issued and you learn that title can’t be insured for some reason. Maybe there is an old lien that was never reconveyed, or there are questions about a prior uninsured transfer of the property. There is a very flexible legal remedy known as “quiet title” in which the Superior Court can render judgement resolving title problems and allowing a transaction to close.

HEGGSTAD PETITION Where property was not transferred to a living trust a title company may be unwilling to insure title. If you have a transaction where that is a problem, keep in mind there is a much faster and less expensive alternative to probate known as a “Heggstad petition” (named after a court case that addressed the problem). If it can be proven that the now-dead trust creators intended the property to be owned by the trust, the Superior Court will issue an order that a title company can rely on insuring title.

James E. Klinkert Ritchie, Klinkert & Gutierrez 1601 E. Orangewood, Suite 150 Anaheim, CA 92805 Phone: (909) 390-9999 Fax: (909) 390-9990 jklinkert@rkmattorneys.com

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Summer 2016| San Gabriel Valley Connection

National Association of REALTORS® Legislative Meetings & Trade Expo May 9-14, 2016 Washington D.C. Some 8,500 REALTORS® were in Washington, D.C. to meet with their members of Congress and to attend forums, committee meetings, and the trade expo. There were two major key takeaways from the meeting this year, which is the MLS policy and Student Loan Debt.

MLS Policy With concerns growing over copyright infringement, the board approved changes to the Handbook on Multiple Listing Policy to reflect the importance of MLS users granting the MLS the licenses necessary to store, reproduce, compile and distribute listing information. Brokers – please be sure you have the rights to any listing content you – or your agents – enter into the MLS!

Student Loan Debt In response to growing concerns over the impact of student debt on the ability to buy a home, the board adopted a policy that seeks to allow student borrowers to refinance their loans and streamline income-based repayment programs. Additionally, NAR supports proposals that promote student loan simplification, clarity, and education. And NAR will take steps to ensure that mortgage underwriting guidelines related to student loan debt are standardized and do not impair home ownership.

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Summer 2016| San Gabriel Valley Connection

Fun Fact!

REALTORS® at the meetings learned about NAR’s partnership with ABC sitcom “Modern Family,” which includes integration into an episode (original air date: May 4) and ads featuring actor Ty Burrell, who portrays REALTOR® Phil Dunphy on the popular show. Burrell, who has won two Emmy awards for his portrayal of Dunphy, will make an appearance at NAR’s annual meeting in Orlando, Nov. 4–7.

California association of REALTORS® Legislative Meetings April 29-30, 2016 Sacramento, ca

C.A.R.’s Legislative Day had an overwhelming attendance of 2,300 REALTORS®. WSGVAR is proud to have sent a total of 22 members to this eye-opening meeting were they spoke about relative legislative items.

“At Thursday’s Midyear Luncheon, C.A.R. CEO Joel Singer discussed how the internet has disrupted the business models of travel agencies, bookstores, and stock brokerages. At the same time, however, the internet has helped the real estate industry. More homes were purchased through an agent or broker in recent years and more sellers used an agent or broker to sell their homes. Moreover, home buyers and sellers are more educated and the transaction process is more efficient. Joel said we may have won the first battle, but warned that we have to be concerned with website traffic of portals like Zillow, realtor.com, and Trulia growing exponentially.”

C.A.R.’s President’s Message

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Summer 2016| San Gabriel Valley Connection

Welcome New WSGVAR Members!

The West San Gabriel Valley Association of REALTORS® would like to welcome our newest 2016 Members and wish them much success!

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Summer 2016| San Gabriel Valley Connection

LIGHTS, CAMERA, ACTION!

WSGVAR EVENTS

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Summer 2016| San Gabriel Valley Connection

YOUNG PROFESSIONALS NETWORK “WAKE-UP CALL” W/ DAVID KEESEE / TOM FERRY COACH

R A GV S W N P Y

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HILTON, SAN GABRIEL, CA APRIL 20, 2016

Summer 2016 | San Gabriel Valley Connection

May 5, 2016

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Summer 2016| San Gabriel Valley Connection

West San Gabriel Valley Association of REALTORS® 93rd Annual Installation Dinner December 11, 2015 “Lighting The Future” On Friday, December 11, 2015 the West San Gabriel Valley Association of REALTORS® held its Annual Installation Dinner in honor of 2016 President Kevin Kwan and the 2016 Board of Directors. This fun-filled evening was held at Almansor Court in Alhambra, the room was filled to capacity and all in attendance came dressed to impress and danced the night away!

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Summer 2016| San Gabriel Valley Connection

THANK YOU TO OUR 2015 INSTALLATION SPONSORS

PLATINUM SPONSORS Wells Fargo Home Mortgage Central Escrow CRMLS, Inc. Century 21 West Coast Brokers GOLD SPONSORS Bank of America Teresa Dang & Kelly Tran Allstate Insurance SILVER SPONSORS California Bank & Trust Home Warranty of America SUPRA

-SAVE THE DATE94TH ANNUAL INSTALLATION DINNER FRIDAY, DECEMBER 9, 2016 Sponsorships Available Please contact Belen Berrios at (626) 288-6212 or Belen@wsgvar.com

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Summer 2016| San Gabriel Valley Connection

A LOOK AHEAD AT 2016 RESIDENTIAL PURCHASE AGREEMENT (RPA) TRAINING

SENIORS REAL ESTATE SPECIALIST (SRES®) DESIGNATION COURSE

Monday, July 11, 2016

Monday, August 29, 2016 &

9:00 AM—12:00 PM

Tuesday, August 30, 2016 9:00 AM—5:00 PM Early Bird until 8/12/16

REAL ESTATE NEGOTIATION EXPERT (RENE) 2 DAY CERTIFICATION COURSE The first and only negotiation certification recognized by the National Association of REALTORS® Monday, September 19, 2016 Tuesday, September 20, 2016 9:00 AM—5:00 PM $129 Early Bird until 9/9/16

$149 after 9/9/16

AFFILIATE APPRECIATION LUNCHEON

HOME BUYER SELLER FAIR

Friday, September 16, 2016

WHEN: SATURDAY, OCTOBER 15, 2016

SAN ANTONIO WINERY

WHERE: WEST SAN GABRIEL VALLEY ASSOCIATION OF REALTORS®

RSVP REQUIRED More Information to Follow

MEMBER APPRECIATION DAY Saturday, October 22, 2016 Natural History Museum of Los Angeles MORE INFORMATION TO COME!!

TIME:

10:00 AM—3:00 PM

94th ANNUAL INSTALLATION DINNER Friday, December 9, 2016 Almansor Court 6:00 PM *SAVE THE DATE*

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Summer 2016| San Gabriel Valley Connection

New

MEMBER BENEFITS 2016

New

ShowingTime for the MLS lets members schedule showings 24/7 from the MLS website.

About ShowingTime

Save time, reduce calls and generate more showings.

Agents click the "schedule a showing" link Showing agents can quickly request showings on your listings without any calls .

Mobile app allows access from anywhere Agents on the go can use the app to request showings, confirm requests, answer feedback and more.

Equip sellers to stay up to date on activity

ShowingTime equips real estate professionals with tools to efficiently schedule showings, generate feedback and report on activity. Its Market Stats division provides interactive tools and easy-to-read market reports for MLSs, associations, brokers and other real estate companies. ShowingTime products are used by organizations representing more than 900,000 real estate professionals.

Visit: showingtime.com

Create personal profiles for sellers displaying feedback and showing activity.

DOWNLOAD IT TODAY!

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Summer 2016| San Gabriel Valley Connection

Lily Hoa, Agent 306 S Lemon Avenue, Walnut, CA 91789 Next to Walnut Post Office Bus (909) 598-0808 Fax (909) 598-0898 lily@lilyismyagent.com www.lilyismyagent.com Insurance License #0F76421 Languages: English, Spanish, Cantonese, Mandarin & Korean

Auto *Home *Life *Bank

The greatest compliment you can give is a referral.

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Summer 2016| San Gabriel Valley Connection

WSGVAR and the Board of Directors wish you and your families a Safe and Happy 4th of July and a fantastic summer!