Broker Bryant's Real Estate Ramblings

Do you trust your REALTOR®? Better think again.

Bryant Tutas-Tutas Towne Realty, Inc — Sun, 13 Dec 2009 13:30:14 -0600

OK before I get started let me say that I know from experience that most REALTORS® are good hardworking trustworthy folk. BUT…….not all.

As in any profession there are wolves in sheep clothing. You may think they are looking out for you when the reality is they are just looking out for their wallet.

Recently I have had agents on the other side of the transaction literally crying and begging for me to get an offer accepted because they needed money for Christmas. I would like to say I was shocked but I wasn’t. In my 15 years of being a REALTOR® not much shocks me anymore. Agents begging to get paid is quite common.

What am I, as the representative for the Seller, supposed to do with this information? Keep it as a secret (professional courtesy) or tell my Seller and use it to our advantage? What do you do?

Folks this is a big deal. Why in the world would an agent, I don’t even know, give me this information? I’m a Broker for Pete’s sake!! Don’t they know I am going to use this information to help my customer/client get a better deal?

I know for a fact that one recent Buyer paid several thousand more for a property and is paying a higher interest rate on an owner financed deal because their REALTOR(R) was desperate. We countered accordingly knowing that the other agent would “sell the deal”. And they did.

How often does this happen? Are you a desperate REALTOR®? Are you costing your customer/client money because you need a paycheck? I hope not. What say you?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

***Photo by manitou2121

So..does the co-broke matter?

Bryant Tutas-Tutas Towne Realty, Inc — Fri, 11 Dec 2009 16:28:00 -0600

This discussion has been taking place on AR since it's inception.

Some of my favorite responses are:

I don't even look at that until I'm writing the offer.

We should never put our own self interests ahead of our clients.

I show my buyers listings no matter what the co broke is, as it is our duty to our clients to show listings that fit their needs.

My question is....Why are agents so afraid to admit that commission does matter? What aren't you having these discussions with your Buyers PRIOR to them agreeing to hire you. How many of you, that say commission doesn't matter, go out of your way to find your buyers a FSBO? Or do you only show it if your Buyer ask?

Well I know I'm not alone when I say I want to be paid for my services. And I want to be paid fairly. I won't work for peanuts. AND....my Buyers WANT me to get paid.

If you are so unconcerned about your commission then how do you handle your listings? Maybe it goes something like this........

"Hi Broker Bryant. We saw your ad in the paper and would like to list our property with you."

Excellent!! I'll be right over.

So, I head over and give them my little spiel and they want to list with me.

OK folks sign here and here and I will get your property up and running on the market.

"But Broker Bryant.....how much do you charge?"

Folks, I am bound by the REALTOR® Code of Ethics that states:

"When representing a buyer, seller, landlord, tenant, or other client as an agent, REALTORS^® pledge themselves to protect and promote the interests of their client. This obligation to the client is primary"

Since your best interest is getting the property sold with the least costs to you I will leave the commission up to you. If I didn't do this I would be putting my interest and lively hood ahead of yours and would be in violation of our CoE. So just pay me whatever you want.

"Well that sounds great Broker Bryant!! You're the bomb!!"

Yes, I am. Commission does not matter to me at all. I'll gladly work for free if it is in your best interest. That why I'm a REALTOR®. Make sure and tell your friends too.

"But Broker Bryant....don't we have to offer the other agent some money to show and sell our property."

Yes I'm afraid you do. Our MLS will not allow a property to go into the system unless we offer the selling broker compensation.

"How much do we need to offer?"

Well folks remember the other broker will be a REALTOR® too and is bound by the same CoE that I am:

So why don't we just offer them $1. Most REALTORS® don't look at the commission anyway. They just want to get the best deal for their Buyers. The co-broke doesn't really matter. In fact, if they don't show your property we can bring them up on Ethics charges.

"Broker Bryant....we are soooooo glad we called you. You have far exceeded our expectations. No one has ever explained your ethical duties like this before. We'll be sure to send you lots of referrals!"

Thank you folks!! It sounds like my job here is done!!. Before I leave can I borrow a fiver to pay for my gas home? THE END.

Sounds foolish doesn't it? Well if you feel we have to show every property regardless of the co-broke then this is exactly what you are implying. Or does your incorrect interpretation of the CoE only apply to Buyer Brokers?

If you are telling your Sellers that Buyer Brokers must show their property regardless of the co-broke you are harming them and in fact may be in violation of the CoE. And if you are telling them that Buyer Brokers, who do not show their property, are acting unethical and illegally then you are wrong and may very well find yourself in front of an Ethics Committee.

But, by all means, if you CHOOSE to show all listings, regardless of the co-broke, you are free to do so. Personally, I think you are fooling yourselves. It is your business though. Just know that you do not have to do so. Of course, you do need to have this conversation with your Buyer.

Food for thought?

Posts by Broker Bryant about Buyer Broker Agreements.

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Are You a Serious Short Sale Professional? If so...come join us.

Bryant Tutas-Tutas Towne Realty, Inc — Thu, 10 Dec 2009 17:33:38 -0600

Are you serious about Short Sales? Would you like to have help? Support? If so you really need to pop over and join www.ShortSaleSuperStars.com. Wendy Rulnick and I opened this network on August 1st. Our goal was to have a network where folks dealing with Short Sales could come together, share information and help each other get better at getting Short Sales approved.

Homeowners throughout the Country are struggling right now and they need qualified professionals to help them avoid foreclosure. There are no better qualified Short Sale Agents anywhere than the 600+ Short Sale Professionals who are members of www.ShortSaleSuperStars.com.

The members of ShortSaleSuperStars are some of the best Short Sale Professionals in the country. We have all come together, not to whine about how difficult Short Sales are, but instead to find solutions to Short Sale problems. We CLOSE Short Sales. We help people avoid foreclosure. And we do it everyday.

So.....if Short Sales are a part of your business please come join us. We'd love to have you. If you need Short Sale training we also offer Short Sale Agent Training. Short Sale Agent Training is 8 hours of comprehensive training walking you through a Short Sale Transaction from start to finish. The course is taught by Wendy Rulnick and myself. We are both Broker/owners and we work Short Sales all day every day. Once you have completed the course you will have the confidence and knowledge needed to help folks avoid foreclosure. Go check it out.

Here are some of the FREE features at www.ShortSaleSuperStars.com

Short Sale Agent Referral Network
Short Sale Applications for Lenders
Short Sale Lender Contact Information
Short Sale Agent Referral Map
Short Sale Support Groups
Short Sale Agent Forum

......and so much more. What are you waiting for. Come join us.

Wendy Rulnick and Bryant Tutas
www.ShortSaleSuperStars.com

Only Deadbeats do Short Sales!!

Bryant Tutas-Tutas Towne Realty, Inc — Tue, 08 Dec 2009 14:56:54 -0600

Hi folks. Short Sales. Why do I spend so much of my time messing with these things? Isn’t it true most people are just doing them to avoid honoring their promissory note? They borrowed the money they should pay the mortgage. Deadbeats!

I closed on a Short Sale a few months ago. The Seller had owned the house for 27 years. It was the retirement home for him and his wife of many years. After 30 years of hard work they were finally able to retire and move to Florida, pay cash for a home and enjoy their twilight years together.

All went according to plan for 20+ years. Then one day Mrs. Seller was diagnosed with cancer. After several years of surgeries and treatments she finally had to be sent to a nursing home. Her husband, now almost 80, could no longer take care of her.

Mr. Seller was forced, by high medical bills, to place a mortgage on their home for $175,000. Less than 2 years later the money was gone and tragedy struck again……Mrs. Seller died.

Seeing his wife of 55 years suffer was just too much to handle. Mr. Seller, distraught, had a stroke. He too had to be admitted to a nursing home. He was 82.

Through all of this Mr. Seller still hung on and continued making mortgage payments. By the time I was contacted to help sell the property the value had dropped to $73,000. Instead of continuing to throw good money after bad he decided to go forward with a Short Sale. Deadbeat!!

I mess with Short Sales because real people need me.

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Do you have any idea who holds the mortgage to your property?

Bryant Tutas-Tutas Towne Realty, Inc — Mon, 07 Dec 2009 16:45:53 -0600

Hi Folks. A few weeks ago I decided to start asking my past Short Sale Sellers to send me the Release of Mortgage notice once they received it from their lender after the short sale was completed.

I’m just getting started on my quest but have received several “Release of Mortgage” notices thus far. As I was reading through them I noticed 2 things that were the same even though the Lenders were completely different.

First they all state “…..acknowledge that it has received full payment and satisfaction, and in consideration thereof, does hereby cancel and discharge said Mortgage”.

And secondly the “Original Mortgagee” as stated in all of the releases thus far is……..“Mortgage Electronic Registration Services, Inc.” or MERS.

So whether the lender/servicer was Bank of America, Wells Fargo or Chase (the 3 notices I have received) the “Original Mortgagee is MERS.

MERS, from what I understand, steps between the original Lender and the servicer. It acts as the nominee for the Lender and the servicer. Nominee: A person or organization in whose name a security is registered though true ownership is held by another party.

So when MERS is involved we have no clue who the true owner of the mortgage is. I wonder how this will affect Lenders going after a Deficiency Judgment in the future?

MERS is a privately owned company with some pretty serious players as shareholders.

Their mission is to…“Register every mortgage loan in the United States into the MERS System".

OK so what am I missing here? Does this company have way too much control or are they truly nothing more than a registration company? Help me out here. What say you?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Kissimmee Florida Short Sale. You'll like this one. Only $95,000

Bryant Tutas-Tutas Towne Realty, Inc — Sat, 05 Dec 2009 15:06:23 -0600

Short Sale for sale in Poinciana Florida. 4 bedrooms 2.5 baths with over 2200 sq ft of living area on a huge double lot (.91 acre). Ceramic tile roof, Atrium, screened and covered rear porch, garden off the master suite, lots of cabinets in the garage, gated entry, security system and much more. Located 1 mile from SoliVita and 2 Championship golf courses. An incredible price of $95,000

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Cutting the Lenders out of the market. Why not?

Bryant Tutas-Tutas Towne Realty, Inc — Fri, 04 Dec 2009 16:51:04 -0600

Recently I was asked “How will property values ever come back up if the appraisers keep discounting values for the declining market and the cash Buyers want the lowest price possible?”

The answer of course is…..get the Lender out of the equation. No Lender. No appraisal needed. Higher sales price. What you talkin’ bout Willis?

Let me explain. REOs and short sales still dominate the market in my area and are still bringing values down. What’s strange about this is the fact that inventory is very low and sales are at an all time high but values are still being depressed by…….Lenders.

So…the “No Qualifying Owner Financing” is making a comeback. Investors are realizing that Buyers will pay a premium not to have to deal with Lenders. And the Investor can get a much better return on their money by holding a mortgage than they can renting the property out.

In fact, in my market, you can expect to get 10% to 15% more for your property if you’re willing to “hold paper”. How do I know this? Because my sellers are doing it.

Here’s an example of how this works out for a Seller.

Seller paid $85,000 cash 4 months ago. The intent was to rent it out for $1,100 a month. After expenses he would net about $750 a month. After 5 years the property may be worth…….well we don’t know do we? We do know if it were rented with no vacancies and no repairs (like that will ever happen) he would have received $45,120 in income. Roughly a return of 53% over 5 years.

Instead, what if he sold it for $120,000 with $25,000 down @ 8.75 with a 5 year balloon? By the way this property would appraise for $110,000 to $115,000 right now. It was purchased right because my buyer made offers on 14 properties at the same time. He ended up getting a deal on this one,

OK back to my example. With Owner Financing the payment would be $750 a month (same as the Net rent). After 5 years the balloon payment is $91,000 AND he would have received $41,500 in interest payments. $25,000 + 91,000 + 41,500=$157,500!! This a profit of $72,500 or a return of 85%. Roughly 30% better than renting AND he doesn’t own the property which means no maintenance or management.

Now folks these figures are not exact but they give you a real good idea of how owner financing works for the Seller.

And the Buyer? Well they can get a good house with a non qualifying mortgage and very minimal closing costs. It’s a win all the way around. The only loser? …Lenders!!

What say you?

Want to see my Butt.......on?

Bryant Tutas-Tutas Towne Realty, Inc — Thu, 03 Dec 2009 16:36:39 -0600

Hi there. As some of you may have noticed I have this new little button at the bottom of my blog articles.

Go ahead and cllcik on it.....I'll wait. OK are you back? What did you think?

I starting using this for two reasons.

First, I really felt I needed a disclosure on my blog. I write a lot of stuff about my business practices and short sales and wanted to make sure that folks know that everything I write is MY OPINION.

Secondly, I wanted to get "My Stuff" out there. My footers were starting to get too long and I did not like the way they looked. And even though they were too long they still didn't have all the information that I wanted to get out there. So now I have a new button.

I liked it so much I also wanted to put it in my email signature. But I had a problem. Gmail does not allow HTML or links in your signatures. Not sure why....but they don't. So......I did some research and found www.WiseStamp.com WiseStamp is an incredibale FireFox Extension that allows you to create numerous email signatures that will automatically pop up in your email. It's FREE and it's AWESOME!!!

Check out my new Gmail signature:

Sincerely,

Bryant Tutas
Tutas Towne Realty, Inc
407-873-2747
CLICK FOR MY BIO

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Short Sale Tips 7 months after submission we have Short Sale approval from Chase!!

You can add as many Social Network Icons as you like. Just click on the ones you want and add the link. It couldnt be any easier.

There you have it. Hope you like it. Do you?

7 months after submission we have Short Sale approval from Chase!!

Bryant Tutas-Tutas Towne Realty, Inc — Tue, 01 Dec 2009 17:38:14 -0600

Yep....7 months ago I submitted a complete Short Sale Package to Chase on April 27 2009. After many months of frustration I received another Chase Short Sale Approval yesterday. We are closing on 11 December.

You know sometimes I am left just scratching my head. This one should have been a no brainer. The Sellers are both retired and disabled. They were able to purchase this home in late 2005 using a $100,000 cash settlement they received from a wrongful death suit for their son. Their son had always wanted to live in Florida so they took the $100,000 and put it down on a house that was selling for $183,000.

Of course what they couldn't have predicted was that their daughter who was supposed to move in with them and help with the mortgage payment decided after living in Florida for 2 months that she didn't like it. So she moved, Mom and Dad were now stuck with a house they couldn't afford.

When I first met them they were very depressed and couldn't wait for a buyer to come along and pay them $150,000 so they could move back home. Their mortgage balance at the time was about $90,000 and they didn't understand that their property was worth far less. How could they be upside down on their mortgage already?

These folks had done everything "right". They bought a house that was priced OK and put 60% down. Who would have ever though that within 24 months their equity was gone. And this wasn't just paper equity that we hear about so often. It was $100,000 CASH!

I sure wish I would have met them before they placed all the money they had into a property. Telling people of this age they have lost everything is by far the worse part of my job.

Eventually I was able to get them to understand that all of their equity was gone. They needed to pack up and move back to NY to be with friends and family. So that's what they did. Almost 80 years old and having to start over while living with their daughter. My job is so sad some days.

And to make it worse. They told me the only reason they were even doing the short sale was so I could get paid because I was so honest with them. WOW!!! Incredible strength in the face of adversity. It's almost over Alline....I promise.

Location:

Kissimmee Poinciana Florida

Liens:

1st mortgage with Chase for $100,000. They agreed to accept $35,000 (35% or what's owed)

Seller is bringing no money to closing and is NOT siging a promissory note.

Listed and sold by Tutas Towne Realty at $39,900 with a 6% commission.

Challenges:

The biggest one was getting Chase to understand that these folks were disabled living on Social security and did not have bank accounts and did file tax returns.

Keeping the same Buyer on board for 7 months.

And there you have it. Another successful Short Sale approval from Tutas Towne Realty.

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Orlando Florida Short Sale Approval. GMAC and Bank of America

Bryant Tutas-Tutas Towne Realty, Inc — Mon, 30 Nov 2009 16:04:42 -0600

Short Sale approval with GMAC and Bank of America in 53 days.

Location: Vista Lakes Village Orlando Fl

Listed with Tutas Towne Realty on May 18th at $275,000.

Liens:

1st Mortgage with GMAC with a balance of $420,000

2nd Mortgage with Bank of America at $63,000

Terms:

Purchase price of $200,000

Bank of America agreed to accept $5,000 (8% of the balance owed).

GMAC agreed to accept $179,500 (43% of the balance owed).

The Seller is not bringing funds to closing and is not signing a promissory note.

The real estate commission is 6%.

Challenges:

Rental property

And there you have it. Another successful Short Sale approval from Tutas Towne Realty.

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

About Bryant Tutas. Disclaimer

Bryant Tutas-Tutas Towne Realty, Inc — Sat, 28 Nov 2009 16:29:46 -0600

ABOUT BRYANT TUTAS

I am not a lawyer or an accountant. Any legal or financial advice I give is my opinion based on my own experience. Always seek the advice of a professional before acting on something that I might say.

I am a licensed real estate Broker in the state of Florida. My opinions on real estate have been formed from my experiences and 15 years of working in the business. My opinions are in line with Florida Real Estate laws and the REALTOR(R) Code of Ethics. Your State's laws may differ. So do your own homework before implementing any of my business practices into your business.

Currently I am:

Known on the Internet as Broker Bryant

The Broker/owner of Tutas Towne Realty, Inc

Broker of record of Garden Views Realty, Inc.

Managing partner of REGrow, LLC

Co-founder of www.ShortSaleSuperStars.com and Agent Short Sale Training.

My main web sites are:

www.BrokerBryant.com

www.CentralFloridaShortSales.com

www.SellingPoincianaProperties.com

www.TutasTowneRealty.com

www.TTRealtyNet.com

You can also find me on:

Facebook

Linkedin

Twitter

Activerain

Triiibes

Trulia

Zillow

Localism

YouTube

Scribd

Professional profile:

I specialize in the listing and selling of properties in the Central Florida area. My primary focus at this time is helping people avoid foreclosure. I also teach Agent Short Sale Training with my partner Wendy Rulnick through REGrow, LLC.

I am a member of the National Association of Realtors, The Florida Association of Realtors, Osceola County Association of Realtors and the My Florida Regional Multiple Listing Service.

Personal Profile:

I live in Haines City Fl with my wife of 25 years, Billie aka TLW "The Lovely Wife". We have identical twin boys who are 33 and 6 grandchildren. I love to read and learn. I am actively involved in the Dundee United Methodist Church and give to my favorite charity World Vision.

Best way to reach me:

brokerbryant@gmail.com
407-873-2747 Voice mail or text

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc

Licensed Florida Real Estate Broker

If you want to go Virtual then here are some tools I highly recommend.

Bryant Tutas-Tutas Towne Realty, Inc — Sat, 28 Nov 2009 11:49:26 -0600

Hi folks, As most of you know I run a virtual real estate office. What this means is that my associates and I all work from our homes. I do most of my business over the Internet. I rarely talk on the phone. And I rarely show properties.

I list Florida properties for sale without ever meeting the Sellers and I sell Florida properties without ever meeting the Buyers. This is my preferred way of handling business. I mostly communicate via email and text messages.

I have found that conducting business like this is very efficient. I am able to spend more time communicating with my customers because I am not wasting time driving around looking at properties and talking on the phone for an hour when an email would deliver the same information.

The other advantage of handling communications via email and text messaging is that there is far less confusion. I rarely have to deal with “he said she said”. All I have to do is pull up the conversation thread and everything we “said” is right there in writing. No confusion. No mistakes.

Here are a few tools I couldn’t live without.

Gmail. The labeling feature in Gmail is my filing cabinet.

GoogleDocs. Everything I need online and there when I need it. I can also invite others to edit the same document. And don’t get me started on Google forms. The best thing since sliced bread.

Picasa and web albums. How would you like it if you asked the listing agent for additional photos and they could connect you with an album online that had dozens of them?

Scribd.com. What if your Seller can’t receive a 100 page attachment? Just upload the document to Scribd and send the seller a link.

Skype. Do a lot of International business? $12.95 (or so) a month and I can call anywhere in the world. I can even talk via webcam.

PDFill.com. Can’t afford Adobe Professional? Try this one for a one time fee of $12.95 (or so). Never use your printer again.

Google Groups. Need a FREE meeting place for your team? Go check it out

Veoh.com or YouTube for sharing videos of properties.

OK. That’s it for now. I have many more tools that I use everyday to make my life easier and less time consuming. My goal for next year is to be able run my entire Florida Real Estate business from my iPhone. How cool would that be?

***If you are an experienced agent and want to work for a virtual real estate company then check out my company site at www.TTRealtyNet.com.

Florida Attorney General, Bill McCollum, Pleads with Lenders to help.

Bryant Tutas-Tutas Towne Realty, Inc — Wed, 25 Nov 2009 15:04:06 -0600

OK one more before I take my Thanksgiving break. The Florida Attorney General, Bill McCollum, sent this letter to the top executives at Bank of Amercia, Wachovia, JP Morgan/Chase and Wells Fargo.

Thank you Mr. McCollum for taking this current financial mess seriously. The lenders have way too much power right now and they are abusing it. Let's make them stop!!

Florida Attorney General Letter to BOFA

Now I got that out of the way....... Happy Thanksgiving to all from TLW and I. And for yor enjoyment....here's a whacky video from "Groovy Dancing Girl". I promise it will make you smile.

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

What's price got to do with anything?

Bryant Tutas-Tutas Towne Realty, Inc — Mon, 23 Nov 2009 18:00:00 -0600

Hi folks, Have you noticed that the contract price means absolutely squat these days? Nada. Zilch. It used to be that once a purchase price was negotiated you could be fairly certain that was the price the property would close at.

Not anymore.

Properly pricing real estate has always been one of my strong points. I know the price is right. The Buyers and Sellers know the price is right. The ones having the problem are the Lenders.

It doesn't even matter what side of the transaction the Lender is on. If they are the Short Sale lender they want more money and if they are the Buyer's lender they want to lend less money. Now this really gets interesting when it's the SAME lender!

Recently. I had one of my Short Sales under contract at $100,000. Based on recent comparable sales the agreed purchase price was spot on market value. The Short Sale lender was Bank of America. The Buyer's Lender was also Bank of America.

After waiting for several months Bank of America finally agreed to the Short Sale but only if the purchase price was raised to $107,000. The Buyers, who really wanted the property, had no problem with this so we raised the contract price to $107,000 and both parties signed off on it.

Bank of America then gave us the written Short Sale approval and we moved towards closing. The following week the appraiser came out for the Buyer's mortgage company (Bank of America) and appraised the property at......$107,000. All was well. Until......Bank of America ordered an appraisal review. The value was changed to $97,000!!

After another couple of weeks of negotiating we were able to get Bank of America to agree to do the Short Sale at $100,000 and the Buyer agreed to bring the extra money to closing to get the deal done at.....$100,000. We were right back where we started from. Maybe they just should have accepted my price to begin with. %$#&*^s!!

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

A Plea to the National Association of REALTORS(R).......SHUT UP!!

Bryant Tutas-Tutas Towne Realty, Inc — Sat, 21 Nov 2009 16:08:48 -0600

Hi folks. This post is inspired by Linda Davis' great article "The NAR Predicts Sunshine and Lollipops". Her post is referring to the NAR's Chief economist Lawrence Yun once again making statements about the Real Estate market that are really nothing more than "spinning" reality to help REALTORS(R) put money in their pockets. As a REALTOR(R) myself I personally find his comments on the state of the market embarrassing. Why can't he just be truthful?

In 2007 we were asked to pitch "Now is a GREAT time to buy Real Estate". Fortunately I didn't jump on that band wagon either. In November of 2007 the average price for a house in Poinciana Florida was $177,600. Today it's $75,000!! That's a decline of 58%. Sure looked like NAR nailed that one!

Here's a post I wrote in 2007 showing what the consumer thought at the time about the NAR's foolishness. Will they ever learn?

This a follow up to "Now is a GREAT time to buy Real Estate! Or is it?" In that post I was pointing out how our local board(and now FAR) are asking us to advertise "Now is a great time to buy Real Estate." My thoughts were and are that this is actually being less than honest and I do not agree with this type of advertising. Pop over and read the post if you haven't already.

Anyway, I've had quite a few consumers who have read and left their opinions on that post. Here are their responses: (the comments have been edited for length only).
******************

FROM STAN:

Anything the NAR says now doesn't make any difference in the consumer's mind as they have looked like fools for the past couple of years. With an approval rating on par with Congress, there's little room for any downside movement. Let's see....they said the market was going to bottom out and begin another upward movement....when was that? LOL Then, it's the end of '08 and now it's '09 and in six months, it will be '10.

You just keep telling the truth and you'll continue to do just fine. For ANYONE to say it's a great, or even good time to buy in FL is blowing smoke. Patient, careful buyers will know when it's the right time to buy and not based on any slogan by some trade organization. The same people who said it was a great time to buy this time last year, overpaid by how much??...10%, 20%, or more in some markets?

The only thing more laughable than "Buy Now" is "It's different here". After reading the market numbers for some of the markets represented in the comments, who are they trying to convince...clients or themselves?

FROM WAR EAGLE:

Thanks for displaying a beacon of conscience in a turbulent market. Please know that your honesty is what people are paying you for. Buyers/Sellers user Realtors (R) because they need advice from someone they can trust. For most people, buying a home is the most significant expenditure that they will make in their lifetime. The idea that their Realtor(R) would have "money in their pocket" at that time, versus the well-being of their client is appalling. In all honesty, your profession is due a massive shake-up, and when it is all said and done, those that have had integrity will leave with their reputation intact and will not have to compete with all the greedy johnny-come-latelys for listings. Again, thanks for the honesty.

FROM DAVID:

As someone who is not part of the industry, I can tell you that I would NEVER use an agent who parroted that kind of garbage either in an ad or in person. Really, it would be equivalent to you saying "I am either an idiot or a con artist, and I'm hoping you are dumb enough to believe this transparent propaganda. Please hire me."

If you have built your business on honesty and trust, now is not the time to abandon that policy. The era of the Huckster Realtor is coming to a crashing halt. In a few years, with any luck, the only real estate agents left will be those who have distanced themselves from the NAR and its self-serving hype, and who have earned the trust of their customers.

FROM WEARY CONSUMER:

Mr. Tutas - I applaud and appreciate your integrity. Stand by for something less pleasant for others: Regrettably, far too many agents are blind to the circumstances around them. A famous quote says "It's hard to get a man to understand something when his job depends on him not understanding it".

This is the current case with RE. QUIT CALLING BOTTOMS in the market. You are destroying your credibility as professionals. What if you are wrong? So you get the sale, you will be thought of as a swindler forever.

I am a high 700's FICO no-debt, non-contingent buyer with cash in the bank. And every time at an open house when some agent tries to tell me it's a great time to buy, I feel insulted. As if most agents would ever tell you that it is a bad time. I've met a few, but not many.

I DO PLAN TO BUY. I am not waiting for the bottom. But I am sick of these agents insulting my intelligence with their fast-talking sales hype. I know there are good realtors out there. I am working with one. But the rest of you better get straight with the facts and quit blaming the media. Most of the gullible buyers are locked into an underwater house.

Now, you have the people like me. We didn't get in this position of power by believing sound-bite advice. I sincerely apologize to the conscientious and competent agents who truly have their client's interests as a priority. But the rest? Your world is changing, and you need to realize it fast.

**************

I'm glad I didn't tell folks back in 2007 that "It's a great time to buy Real Estate". These people are now way under water in my area. I also won't be telling buyers now that they can count on 4% appreciation next year. Will you?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

Will I have to sign a promissory note if I do a Short Sale?

Bryant Tutas-Tutas Towne Realty, Inc — Thu, 19 Nov 2009 16:36:40 -0600

Possibly. I have found that more times than not the Seller is not only willing to but wants to make a cash contribution or sign a note to get the deal done. It helps them to feel better about their situation. Most people WANT to pay their bills and honor their obligations

Our job as your Short Sale Agent is to give you, the Seller, the facts and let you make the decision.

Here are two responses recently received from Bank of America and how they were presented to my Sellers.

What Bank of America is really saying is "Yes we approved your Short Sale request now let's work out the details". This is the response we want. Right?

CASE #1

In response to your counter offer, BofA will not budge. They rejected your offer of $500. Below are the 2 options they have given.

OPTION 1: total proceeds of sale toward the 2nd $7,500.00 Can be any combination of proceeds of sale AND 'cash contribution.

OPTION 2: $3,000 proceeds of sale PLUS new deficiency note for $5,000.00, payable at $150.00 each , 0% APR.

We already have $2,350 to give to the 2nd so subtract that from the $7,500 figure leaving $5,150 needed for the first option and for the 2nd option it would require $650 cash and a note for $5,000. The notes are soft which means they have zero interest and they are unsecured.

Now we could try to get the buyer up higher. Although I personally feel this may cause an appraisal issue with their mortgage. The note could possibly be negotiated for a longer term, say 5 years. That would make the payment $83.33. They may even go 7 to 10 years.

Please consider your options and let me know. We need to give them a response no later than tomorrow.

CASE #2:

I have just received an email from BofA. They are asking you to contribute either $3,000 cash at closing or they want you to sign a $10,000 soft note. The note would be interest free. I would think they would be willing to go either 5 or 10 years. on the note. 5 years would have a payment of $166.67 per month and 10 years would be 83.33

What are you thoughts? The other items are things I would take care of. Please let me know as soon as possible as time is of the essence.

***I am not an Attorney and cannot give legal advice. You are advised to seek competent legal and tax advice. Any decision you make may have negative repercussions.

Now I don't know what these particular Sellers will decide. They may accept the offers or they may want to negotiate. Once they decide I will act accordingly. I do feel that both of these Short Sales will get closed. Any questions?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

FHA and USDA Buyers are NOT 2nd class citizens! Or are they?

Bryant Tutas-Tutas Towne Realty, Inc — Tue, 17 Nov 2009 15:49:01 -0600

FHA Buyers, at least in my market, are normally placing the minimum amount down, 3.5%, and asking the Seller to pay 6% towards their closing costs. In a market where 87% of the sales are distressed properties, FHA Buyers, in the eyes of the Seller, are second class citizens.

It's not only difficult for FHA Buyers to find a property and get an offer accepted but....they pay more. That's right, the folks who can probably least afford it have to pay more to get a home.

Here are some stats I pulled today that will back up that statement.

During the period 1 October to 17 November 2009 there were 162 single family homes that sold in the Neighborhoods of Poinciana Villages. 30 of these were purchased using FHA financing.

***Check out this little chart:

	Beds	Baths	Sq Ft	List Price	Sold Price	Price/Sq Ft	LP/SP
FHA	3	2	1821	$76,280	$78,880	$43.73	104%
Others	3	2	1847	$70,267	$70,404	$38.63	101%
Difference	NA	NA	(26)	$ 6,013	$ 8,476	$ 5.10	3%

***Data pulled from the Mid_Florida Regional MLS on 11/17/2009 and is deemed to be reliable.

So what do you think about that? FHA Buyers are getting less house and paying 11% more. Even if you take out the 6% in closing costs assistance FHA Buyers are still paying 5% more....for less house.

Should FHA Buyers be treated like second class citizens? I don't think so. Maybe Sellers Lenders should have more incentive to help these folks get a home without having to pay more than others. OR...maybe Buyers need to save more money before getting into the housing market.

What say you?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

Florida Foreclosures. Be prepared to pay higher than asking price

Bryant Tutas-Tutas Towne Realty, Inc — Sun, 15 Nov 2009 13:27:10 -0600

How many times have you heard "I want to buy a foreclosure so I can get a deal" and "I was told I could buy foreclosures for 20% less than asking price"?

I hear these things every day. It's frustrating when you try to explain the "market" to potential buyers and they don't listen to you. I'm sure they figure that all we are really doing is trying to sell them. Well they are right. We do want to sell them a house. BUT...we also want to make sure they get the house they want and are able to buy a house.

In my market, Kissimmee Florida, the well priced foreclosures are flying off the shelves. It is imperative that buyers understand the market or they'll end up without a property at all.

So....hopefully this article will help you to understand the market in my area. As you can see, there were only 21 REO (foreclosures) properties that sold in Poinciana Florida between 1 October and 14 November 2009 that fall within these parameters:

Built in 2000 or later.

At least 1500 sq ft living area.

Priced less than $65,000.

Of the 21 sales only FOUR sold for less than the asking price. The average was 110% of asking price. That means a house priced at $60,000, on average, sold for $66,000. This means if you are looking for this style of property offer at least asking price and be prepared to go higher.

Knowing what a property is worth will make it easier to prepare an offer that will be accepted. That's where we come in. Does this help?

Here a list of the properties used for this report with their asking prices and selling prices. Check it out.

Florida Foreclosure Report

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

www.ShortSaleSuperStars.com. 534 Professionals waiting to help you.

Bryant Tutas-Tutas Towne Realty, Inc — Sat, 14 Nov 2009 17:41:12 -0600

Hi folks. What a week we have had!! The revamping of www.ShortSaleSuperStars.com seems to have gone over very well. Thank you for all of your positive comments on the new look.

Would you believe that in the last week we have had 785 absolute unique visitors? And we had 11,569 page views!!!

40 new members this week brings our total to 533. What else can I say? The growth of the network this week has been phenomenal. Thank you!

Due to this rapid growth we asked Jeff Payne to help us moderate the site. He gladly accepted his first order of duty which was to delete duplicate profiles and make sure all members are using First name/last name in your profiles. The first is for obvious reasons the second is to help with the new short sale agent search features.

That reminds me......please add yourself to the short sale agent referral map . We want to be able to find you to give you business. Just hover on the "Find an Agent" tab and you'll see the link to the map.

OK one more thing. Groups. Groups are the backbone of the site. Being able to find accurate info on the lenders we are working with is paramount to our success. If you are working with a short sale lender and can't find a group set up for them then please set one up. Or email me, Wendy or Jeff and we'll set it up for you.

I can't stress enough how important this is. The group should be set up in the name of the short sale lender. It should have current contact information, web address and any forms they require as part of their short sale package. You can place this stuff in the first text box. Ask for help if you need it.

We really want to make sure the short sale lender information is kept current. Please help. OK?

OK I think that's it for now. As always let us know if there is anything we can do to improve the site. Our goal is to make this the best place on the web for folks dealing with short sales to get their information. How are we doing so far?

Until next time....Learn, Know and Grow.

Together we can make a difference.

Wendy and Bryant

Available Short Sale Agent Training:

Wendy Rulnick and Bryant Tutas
www.ShortSaleSuperStars.com

Another Kissimmee Florida Short Sale Approval

Bryant Tutas-Tutas Towne Realty, Inc — Fri, 13 Nov 2009 16:45:43 -0600

It only took 7 months BUT we have another Bank Of America Short Sale Approval.

Location:

Kissimmee Florida.

Details:

Placed on the market with Tutas Towne Realty on March 1, 2009 at $89,000.

Went pending on April 17th at $79,000 all cash Buyer.

Mortgages:

$188,000 owed on the 1st Mortgage with Bank of America.

$25,000 owed on the 2nd with Real Time Solutions.

Challenges:

Keeping the Buyer on board for almost 7 months.

The 2nd started out with Bank of America and was sold to Real Time Solutions about 5 months into the transaction.

The Seller is an investor than owns multiple properties.

Outcome:

Bank of America netted $69,000 (37% of what was owed).

The 2nd received $3,000

Only $500 cash contribution required from the Seller.

NO note

Happy Seller. Happy Buyer, Happy Agents

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

Foreclosure Tour Kissimmee Florida

Bryant Tutas-Tutas Towne Realty, Inc — Thu, 12 Nov 2009 16:04:09 -0600

Hi folks, Depending on who you listen to the foreclosure rate in Polk County Poinciana Florida is any where from 15% to 20%. I have no problem believing this since roughly 85% of the sales in this area are either foreclosures or distressed sales.

According to RealtyTrac there are 1,401 properties that are in foreclosure (Lis Pendens filed) on the Polk County side of Poinciana. There are 10,685 homes in this area. So let's call the foreclosure rate a minumum of 14%

VIEW ALL DISTRESSED PROPERTIES FOR SALE IN POINCIANA FLORIDA

Here's a little video I made yesterday that will show you what a 15% foreclosure rate looks like. The video was made going about half way down the road and only shows one side of the street.

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

Blogging, features and high school. Are they related?

Bryant Tutas-Tutas Towne Realty, Inc — Tue, 10 Nov 2009 17:27:57 -0600

Can you guess which one is me?

OK folks, here's something I don't do that often, a blog post about blogging. I know...I know....booooring.

But every now and then I just feel I need to get it out there.

There have been quite a few posts lately about "Featured posts". And as usual the conversation gets around to the "popular" bloggers. I happen to be one of those "popular" bloggers and have been pretty much since the beginning of AR. In fact I think I may have had the first featured post ever. Since then I have had.....are you ready? 259 featured posts!! There...I said it

Is that fair? I doubt it. In fact there have been times where I didn't even want to post because I knew it was going to be featured and I felt embarrassed about it. Just last week I asked to have a post removed from the dashboard.

Maybe I do get featured too often. BUT I have no control over what gets featured. That's up to whoever has the power to feature posts. I don't solicit features, comments, subscriptions or readers. I just write and post.

I do however have a blogging plan. I always have and I stick to it.

This is what works for me. You have to find your own plan and style.

***In my opinion, there are several things that contribute to having a successful, well read blog on AR. First and foremost is providing good content that folks will want to read. I've found that in order to achieve this, a blog post has to be:

Informative
Easy to read
Eye appealing
Entertaining

You can put out the most informative post possible but if it is lacking in the other areas, it will get passed by. Folks like an easy read and they like to be entertained. The key to writing is to try and find a balance in these areas. You also have to be consistent. People have to know what to expect when they click on your blog. You need an overall theme.

It also helps to post at the same time and on the same days of the week. And don't post too often. I post 3 or 4 times a week. This builds anticipation.

You also have to be consistent in the "personality" of your posts. It has to be real, not fake. People can tell the difference.

Our personal lives, our business and AR are ALL built more successfully by being likable. It's human nature for people to gravitate towards people or things that make them feel good about themselves. This is where the social side of ActiveRain comes in.

Interacting with your peers by commenting is imperative if you want to be noticed. And not just commenting but commenting well. Well thought out comments that add to the post AND comments that make the writer feel good about themselves.

You don't have to agree with what they write. You can certainly have strong opinions and debates BUT debate the topic and respect the person. Good communication skills mean you can disagree with some one without being negative. No one likes negative people. If you have a reputation for being negative you are dead in the water. Negative is:

Whining,
Moaning,
Constantly complaining
Belittling others

If you do these things you will fail in life, business and on AR.

When I read posts, talking about "cliques", the "popular" people and blah blah blah, I truly don't know how to respond. Am I supposed to be ashamed of being popular? Should I try harder to be not liked? Should I change my writing style? Should I defend myself? Or should I just consider the source and ignore it? I just don't know.

And that's all I have to say about that. For now. What say you?

***I am not a blogging expert. I'm just a real estate broker that likes to share what I know. Hopefully it will help.

TLW has just added her thoughts to this discussion: Blogging Bertha. The Original Attention Whore.

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

Foreclosure Prevention. Another Successful Kissimmee Florida Short Sale.

Bryant Tutas-Tutas Towne Realty, Inc — Mon, 09 Nov 2009 16:10:31 -0600

Avoid foreclosure. Another successful Short Sale Closing with Fifth Third Bank.

Mortgage amount: $185,000.00

Sales price: $87,500.00

Lender agreed to 3% in closing costs and a 6% commission.

Net to Lender: $77,078.00 (42% of amount owed)

Fannie Mae was the Investor and there was Mortgage Insurance (MI).

Challenges:

The Mortgage Insurance company started out wanting $60,000 in any combination of cash and/or promissory note. We negotiated for 2 weeks. The Seller ended up bringing $1,000 to closing. No note.

The first Buyer walked after keeping the property off the market for 60 days. The 2nd Buyer closed 38 days after going under contract.

Total time from placing the property on the market until closing: 205 days.

Seller testimonial:

Dear Bryant

"I want to personally thank you for your exemplary handling of our recent real estate transaction. From day one you were a professional; courteously and patiently guiding me through the entire process. Your response time was unparalleled; you responded to my emails and phone calls within minutes, as if I were your only client!

And I believe that’s what every seller (and buyer) wants – to get the idea, or enjoy the feeling, that Bryant Tutas is their exclusive agent! I tried quite a few real estate agents before I finally came to you, and you jumped into action from day one! My property had been on the market for more than a year; within days of contacting you I had my first real offer, and very soon the house was in contract. We just closed a few days ago, and I am so grateful for all your help. Thank you Bryant, for everything!" MARK

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

www.ShortSaleSuperStars.com was completely revamped last night!

Bryant Tutas-Tutas Towne Realty, Inc — Sun, 08 Nov 2009 18:44:27 -0600

Go check the new layout and look for ShortSaleSuperStars. There is one slight problem though........I didn't ask Wendy and she hasn't seen it!!! This look could be very temporary.

So.....am I going to be in trouble? I guess we'll have to wait and see.

Anyway....here are my thoughts.

The site needed to have a cleaner look.

Wendy and I had talked about getting our "product pitches" off the front page. So I moved the pitches and replaced them with buttons and a "Short Sale Training" tab. We will also be adding a "SuperStar Store" tab that will have tee shirts, mugs and other ShortSaleSuperStar goodies.

The wording on and the position of the tabs were changed. It looks more like a news site (I think).

The profile questions have been changed. The change was made to make it easier to "Find An Agent"

Blog posts now have a new tab "Short Sale News" and the forums are under "Q&A".

The tab for groups was changed to "Lender Info".

We added an "Agent Referral Map"

These changes were designed to make the site more consumer friendly. We want potential Sellers and Buyers to be able to find us and be able to navigate the site with ease.

So what do you think? Wendy.....do you still love me or am I in trouble. I can fix it I promise.

Please pop over and give us your feedback.

Bryant Tutas
Broker/Owner
Tutas Towne Realty, Inc
Licensed Florida Real Estate Broker
http://CentralFloridaShortSales.com

http://ShortSaleSuperStars.com

Are you a Florida REALTOR(R) looking for a change? Check it out.

CENTRAL FLORIDA REALTOR(r) OPPORTUNITIES

www.ShortSaleSuperStars.com Weekend Update

Bryant Tutas-Tutas Towne Realty, Inc — Sat, 07 Nov 2009 10:33:01 -0600

Good morning fellow and future Short Sale SuperStars,

First Wendy and I would like to welcome all of our 25 new members this week. We also had 611 Unique visitors this week and 5,282 page views. 23% of our traffic is coming from the search engines. What that means is that we have buyers and sellers visiting the site.

In fact, we actually had a couple of sellers join this week. So…..we want them to be able to search for a Short Sale SuperStar. With that in mind we have made a couple of changes this week to make it easier to use the search function. But in order for the search function to work properly we need your help.

Please go to your personal main page*** (My Page) and right under your picture click on manage my page. Then click on profile. If you scroll down you’ll notice we changed the profile questions. Add your first name, last name, State and city.

***What? You don't have a personal main page? If I were doing Short Sales or wanted to learn howe to do Short Sales then I know that I would pop over and join the site. It's FREE!!! www.ShortSaleSuperStars.com

OK now where was I........Now you may already have your name on the site but go ahead and do it again. Also, you can add more than one city. Just separate the cities by commas. For example: Kissimmee,Orlando,Haines City.

Once this information is there people can use the search function under “Members” and pull up Short Sale Agents by State, city or name. Also, we’ll be adding a Google site search to the front page. So making these changes to your profile is very important. OK?

A couple of more items. We created a ShortSaleSuperStars fan page on Facebook. You can become a fan by clicking on the “Fan Box” in the right hand side bar of the main page of the site.

Short Sale Superstars on Facebook

OK….I think that’s it. As always Wendy and I appreciate your feedback. Good or bad we want to know. Pop us an email.

Almost forgot…..thanks to everyone that purchased The Negotiator Interview, Short Sale Agent Training or the Short Sale Listing/Submission Package this week. The little bit of income Wendy and I get from these products helps to pay for the running of the site. And hopefully the products offered have helped you in your business. We will be launching new stuff in the near future.

We hope everyone has a great week. Don’t forget to invite a friend to join the site. We want to have 1,000 members by the end of the year.

Until next week…..Learn, Know and Grow.

Together we CAN make a difference!

Wendy and Bryant