Kevin Williamson of Coldwell Bank Res Brokerage with his wife Holley and their family You may know NSDCAR REALTOR® member Kevin Williamson as a new NSDCAR board member representing Inland areas. Kevin is in the first year of his first, two-year term. He also is a member of NSDCAR’s Local Government Relations Committee (LGR). He also has served the past two years as a California Association of REALTORS® (C.A.R.) Director representing NSDCAR. Kevin also served as a C.A.R. Director on behalf of the Inland Valleys Association of REALTORS® when he worked in Riverside. But did you know that Kevin met his future wife at church claiming to be a member of the so-called “Activity Committee?” “I’ll admit it, it was the slyest thing I have ever done,” said Kevin. Kevin was age 21 at the time. He had just returned from spending two years in the Dominican Republic on a mission trip with his church. “Holley was on a date with another guy at the time, but I wanted to meet her and get her phone number. So, me and a buddy approached them and told them we were members of the Activity Committee and we needed their phone numbers. Holley was initially reluctant. Later she told me she was going to give me the wrong number. I called her a few days later. And, the rest is history.” Kevin and Holley will celebrate their 16th wedding anniversary in June. Today, they have five children, ages 14, 12, 9, 3 and 1. They live in Rancho Bernardo. “Our lives are packed these days with work, our kids’ school and sports activities and church,” said Kevin, who has served as a soccer, basketball, and volleyball coach. After their wedding in 2001, Kevin was going to school with plans for a career with a corporate restructuring firm. “When I found out that I would be spending about two weeks every month on the road, that’s not ideal for newlyweds,” said Kevin. “So a mentor at church said that I would do well in real estate. But, he said I would need to spend two hours a day on cold calls, which was easy for me after speaking Spanish while knocking on doors in the Dominican Republic for eight hours every day for two years.” Kevin started selling real estate at age 22 in November 2002. “I sold full-time for eight years before switching to real estate management,” Kevin said. He managed a real estate office in Rancho Cucamonga for three years before moving to San Diego’s Rancho Bernardo to manage another office before his current position with a Rancho Bernardo Coldwell Banker office that has about 100 agents. “Maintaining high standards of professionalism is important to me and I enjoy helping our agents become more successful,” Kevin said. “Those are my same goals as an Association board member. I don’t take lightly my responsibilities at NSDCAR. We have an outstanding Association, and we need strong, competent, motivated directors. I want to protect and improve our industry so my children will have an opportunity to become homeowners. I can say truthfully that NSDCAR is making a huge impact in our community and industry.”
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Kimberly Fell HomeSmart Realty West You may know REALTOR® member Kimberly Fell who serves on the NSDCAR board of directors representing the Tri-Cities district. She joined the board in July 2013 to fill a vacancy and is now completing her second two-year term, which ends in December. But did you know that Kimberly has eight pets, including six dogs, one cat and one potbellied pig named Wilbur? “I am very pet-centric, and have a special place in my heart for senior and disabled dogs,” said Kimberly, who also volunteers with Chihuahua Rescue of San Diego. “One of our dogs is blind, another is paralyzed and a third who has heart disease is pharmaceutically powered.” Kimberly was born and raised in Decorah, Iowa. She attended the University of Iowa and was a member of the Hawkeye Marching Band. She played the clarinet and later joined the flag corp. “The music majors thought I wasn’t serious enough,” Kimberly said, “Besides, who can hear a clarinet in a marching band anyway? I had more fun with the flag corp. My freshman year we went to Pasadena for the Rose Bowl, my sophomore and junior years we came to San Diego for the Holiday Bowl. After spending three straight Christmas seasons in Southern California, I knew where I would move after graduating.” On Friday, May 5, 1989, Kimberly graduated from college. She was scheduled to begin interning at the Scripps Center for Executive Health in UTC onTuesday, May 9th. “After the ceremony and all the good-byes were over, I went to bed but couldn’t sleep because I was so excited about moving to California,” she said. “So I got up and started driving west at 2 a.m. by myself with everything I owned in my 1980 VW Rabbit.” After the internship, her first job in San Diego was selling Electrolux vacuum cleaners door to door. “In my first month, at 22 years old, I made $5,000,” said Kimberly. Apparently, a sales career was her destiny. She started selling BMWs in 1996, and remained in the car business through 2010 as a finance director. In 2005, Kimberly was the top BMW salesperson in the country. Her sales efforts earned her an African safari trip to Kruger National Park in South Africa. “For an animal lover like me, it was the trip of a lifetime,” said Kimberly. “I had just met my husband Robert who came with me as my guest.” They were married in 2008. The latter part of 2010 was spent studying for her real estate exam and visiting Iowa to assist her mom after her dad passed away from a brain tumor (glioblastoma) at age 65. “It was divine intervention that after 25 years of constant work and infrequent visits to Iowa I was able to spend a few months helping Mom get her affairs in order and prepare for the sale of the home my parents had owned for 45 years,” Kimberly said. She received her real estate sales license in May 2011 and signed up with NSDCAR. In November 2012, she joined HomeSmart Realty West, which now has about 545 agents. In 2015, Kimberly earned Agent of the Year honors. In 2016, she tied for second in the Agent of the Year competition. Kimberly and Robert moved to Fire Mountain in Oceanside in 2013, after living in the foothills of Vista for the previous 17 years. “I love real estate and spending time with other NSDCAR members who are motivated to success,” said Kimberly. “Our Association is strong because our members are driven, self-starters. It’s inspiring to see our fellow members accomplish whatever they desire to do in their real estate careers.”
Spring has barely sprung, but it appears we’re already in the thick of a frenzied spring home buying season. Depending on who you’re listening to, San Diego County’s housing market seems to be off to a blooming start. Industry sources confirm the market is growing and getting stronger. Low inventory continues to be a significant problem, as well as high prices are keeping waves of buyers at bay. However, thanks to uncommonly low interest rates, mortgage payments have remained pretty reasonable even in the face of increasing purchase prices. Among the latest housing market headlines: -- According to the University of San Diego Burnham-Moores Center for Real Estate, the local economy is picking up steam and is expected to do better than what had previously been expected. The Center’s Index of Leading Economic Indicators is now forecasting employment growth at 30,000 new jobs in 2017, compared with a previous forecast of 25,000 jobs announced at the end of 2016. Analysts say the economy is growing because of improved local labor conditions, rising prices of local stocks and stronger measures of U.S. consumer confidence due to President Trump’s business-friendly policies. -- According to www.Realtor.com, the National Association of REALTORS® official website, San Diego was the 8th “hottest” real estate market in March with the typical home taking just 38 days to sell. California led the United States with six of the top 10 real estate markets. Nationwide a home is typically on the market for 69 days, eight days less than this time last year. It’s much less in California, however, with homes in booming Silicon Valley homes typically selling after just 25 days. -- According to the latest housing market report from the California Association of REALTORS® (C.A.R.), the median number of days it took to sell a single-family home dropped from 37.4 days in January to 33.4 days in February and was down from 41.5 days in February 2016. -- According to CoreLogic, an Irvine-based real estate data and analytics information service, the median sales price of a home in San Diego County jumped by 8.1 percent in February, compared with the same month a year earlier, while the number of homes sold fell by 1.6 percent. The median price of a San Diego County home was $492,000 in February, up from $455,000 in February 2016. In Southern California, the median price of a home was $460,000 in February, up 1.1 percent from the month before and up 7 percent from the same period last year. -- Also according to C.A.R., existing single-family home sales totaled 400,500 in February on a seasonally adjusted annualized rate, down 4.7 percent from January and up 4.9 percent from February 2016. February’s statewide median home price was $478,790, down 2.2 percent from January and up 7.6 percent from February 2016. Also, closed escrow sales of existing, single-family detached homes in California remained above the 400,000 benchmark for the 11th consecutive month and totaled a seasonally adjusted annualized rate of 400,500 units in February, according to information collected by C.A.R. from more than 90 local REALTOR® associations and MLSs statewide. The statewide sales figure represents what would be the total number of homes sold during 2017 if sales maintained the February pace throughout the year. It is adjusted to account for seasonal factors that typically influence home sales. Finally, C.A.R. said the share of homes selling above asking price dipped from 31 percent a year ago to 30 percent in February. Conversely, the share of properties selling below asking price increased to 37 percent from 35 percent in February 2016. The remaining 34 percent sold at asking price, down from 35 percent in February 2016. The homes that sold above asking price, the premium paid over asking price edged up to 12 percent, up from 11 percent a year ago. “While it’s encouraging to kick off the year with back-to-back yearly sales increases, moving forward, California’s housing market could lose steam in the long term as the Fed begins to adjust the federal funds rate,” said C.A.R. President Geoff McIntosh. “In the short term, however, the specter of higher interest rates may push buyers off the fence to purchase a home before mortgage rates move even higher.”
Kara Courtney, Windermere Homes & Estates You may know NSDCAR REALTOR® member Kara Courtney as a recipient of a 2016 REALTOR® Award of Excellence for the Oceanside area. She helped coordinate two NSDCAR community service projects consisting of members painting portions of the Boys & Girls Clubs in Oceanside and San Marcos. Kara also serves on the NSDCAR Oceanside District Council. But did you know that Kara started developing her negotiating skills as a child? “There used to be a small convenience store in La Costa that had the best cookies, it’s no longer there,” said Kara. “My favorite cookie as a kid was white chocolate macadamia nut. My mom would wait outside the store and give enough money to buy just one cookie as a treat after school, but I would walk out with two or three or more. Most of the time, I would just ask nicely for extra cookies. If that didn’t work, my favorite line was `I see that you have a lot of cookies and it’s late in the day, you don’t want to sell day-old cookies tomorrow morning, do you?’ Eventually, I became a regular and made friends with all the clerks, so getting the extra cookies became easier. “Looking back, I was developing some of the negotiating skills that I use today. I’m determined person. I know that hick-ups can happen with any transaction. But, if one way doesn’t work, then I’ll try another or even another. I can be creative and find a way to get what we want by focusing on how to make it a win-win for everyone. Last year, a large majority of my buyers paid less than what their home appraised for. I generally don’t give up until we have success.” Kara, 30, grew up in Carlsbad. She attended La Costa Meadows Elementary School, Aviara Oaks Middle School and Carlsbad High School (class of 2005). She graduated in three years with a bachelor’s degree in Communications from California State University San Marcos. “I met some of my college requirements with AP tests credit in high school and from passing tests instead of taking the classes in college,” she said. “In college, when I had the option of taking any two classes to satisfy the credit requirements, I chose real estate because I always had an interest in the industry.” Her first job after college was with San Diego-based Rubio’s Fresh Mexican Grill restaurant chain, now called Rubio’s Coastal Grill. She spent six years (2008-2014) working in the corporate office starting as a marketing assistant. She was later promoted to associate marketing manager. “Part of my job was to manage the purchasing and printing of marketing materials for about 200 restaurants,” Kara said. “After I qualified a new vendor, then I would find more cost affordable options and negotiate better deals for the benefit of the company. Because I had contributed to the company by saving a lot of money, I was honored by Ralph Rubio himself with the Founder’s Award.” While still working at Rubio’s, Kara finished up her last real estate course at Palomar College. “All the real estate classes I took through college and books I read solidified in me that I had the right skills for real estate,” she said. “I have an amazing great uncle Tom who was very successful as a commercial real estate investor. He knew how to add value to a property. I grew up admiring him a lot.” Kara said her goal was to earn her sales license before age 25. “I passed the test 13 days before my birthday,” she said. “My first listing was my own house that I lived in with my husband, so I became my first client. We sold a fixer-upper we had bought a few years earlier. The day it closed was my last day at Rubio’s. We made enough profit from the house sale to pay the bills for a while until my real estate business got established.” Today, Kara works at Windermere Homes & Estates. Her husband Jesse is a custom woodworking contractor who specialized is building custom kitchens. Kara says she is grateful for the work of NSDCAR. “I love our Association because it’s about collaboration and the success of our members. We are like-minded in our tenacity, friendliness, desire to learn more and make an impact in our client’s lives. Plus, we want to help our community for the better. REALTORS® can pave the way to make our communities an even better place to work and live.”
Chris Osteen, Cal West Management You may know NSDCAR REALTOR® member Chris Osteen as a current member of NSDCAR’s Local Government Relations Committee (LGR), District 3, representing Cardiff, Encinitas, Leucadia, and Olivenhain. Chris also served as an NSDCAR board member and NAR director for many years. “I think I’ve been a member of the LGR since the first year of the Association’s existence (1994),” said Chris, who served as president of the San Dieguito Board of REALTORS® (1984 and 1985). But did you know that Chris drove across the country in a camper for a year? “I had graduated from college in Florida, I was newly married and we decided to travel around and see the country up-close,” said Chris. “We went wherever we felt like going. We saw amazing things. I’ll never forget seeing a Golden Eagle sitting on top of a pine tree in Alaska.” Chris was born in Ft. Myers, Fla., and grew up in Pompano Beach. “My first-grade teacher was my dad’s first-grade teacher, her name was Mrs. Huff,” said Chris. He graduated from Pompano Beach High School (class of 1965). After his cross-country trip took him to Alaska, Chris decided to try San Diego. He worked for Home Federal Savings & Loan was promoted, eventually to a branch manager position. “But, I wanted to be self-employed,” Chris said. In the early 1980s, Chris married Signe (together they have five children and nine grandchildren). Also, Chris left Home Fed and founded Joshua Tree Development, a custom home builder. “We built about a dozen or so homes in the North Country, and we lived for several years in one of the homes we built in Cardiff,” said Chris, who has lived in San Marcos for the past 11 years. A few years into building custom homes, mortgage interest rates hit 16 percent and sales slowed. So, Chris founded a property management company called Cal West Properties, which today is now known as Cal West Management & Sales, Inc. Cal West manages 38 homeowner associations (about 2,300 doors). A sister company, Brentwood Management, manages 12 apartment complexes (about 200 doors). “We’ve stayed in business because we’ve been able to adapt to changing marketing conditions,” said Chris, age 69. It’s the same reason why Chris admires NSDCAR. “I’m so proud of our Association because it has demonstrated an incredible ability to change with the times,” he said. “I ended my service as a board member because I could see it was time to make room for younger people. I’m very enthusiastic about the Association’s younger leaders. It’s very encouraging to see younger people get involved and assume leadership positions. There is a great group of new people who will be leading NSDCAR into the future.” Today, Chris still has a camper. Chis and Signe enjoy spending weekends at the Hawk’s Canyon area of the Anza-Borrego Desert State Park (the 900-square-mile park stretches from the Riverside County line to the Mexican border in eastern San Diego County). “We sit outside by a fire at night and we’re at peace,” he said. “You won’t believe how beautiful the desert flowers are. The rainy season has given us an exceptional super bloom of wildflowers. It’s incredible green with a beautiful carpet of annuals. The sights are spectacular this year.”
Rebecca Negard, Pacific Sotheby's Int'l Realty You may know NSDCAR REALTOR® member Rebecca Negard as recipient of a 2016 REALTOR® Award of Excellence for the Tri-Cities area. She was recognized for her support of veteran’s causes. At recent NSDCAR marketing sessions, Rebecca has collected furniture and donations for young veterans and their families. She is a member of American Legion San Dieguito Post #416 in Encinitas. “I’m very passionate about helping veterans who may have suffered post-traumatic stress,” Rebecca said. “The American Legion is a safe place, it’s a community of kindred spirits where we can mend broken spirits. Now that they’re away from the battlefield, we must do whatever we can to help them with the battles at home.” Rebecca also serves on the NSDCAR Encinitas District Council. But did you know that Rebecca didn’t go on dates in high school because she did not want to stay in Wisconsin? “I was afraid of marrying a boy who would want to stay there, and I didn’t want to,” Rebecca said. “I didn’t want to stay there forever. I wanted to see the rest of the world. Wisconsin didn’t resonate with me.” Rebecca was born at Elmendorf Air Force Base near Anchorage, in the Territory of Alaska, before Alaska became a state (in 1959). At age 2, her family moved to Wisconsin, and later to Stevens Point, Wis., located in Portage County. “It’s a lovely community, smack-dab in the middle of the state,” said Rebecca. “It’s a wonderful place to be from, but, as a young person, I decided that I wanted to leave. California was the place for me.” In 1974, Rebecca moved to San Francisco. “No, I was not a flower child hippy, but I loved the city because it was so beautiful and fun,” she said. “I was a capitalist. I sold t-shirts on the wharf. I went out with friends to the coolest restaurants, everybody loves to socialize there.” Rebecca began her real estate sales career in 1979. But, then, everything changed in San Francisco at 5:04 p.m. on Oct. 17, 1989, when a magnitude 6.9 earthquake rocked the region. It lasted approximately 15 seconds and caused an estimated $6 billion in property damage. It caused 63 deaths and nearly 3,800 injuries. It was the strongest earthquake to hit the area since the San Francisco earthquake of 1906. The earthquake began just minutes before the start of a World Series baseball game at Candlestick Park between the San Francisco Giants and the Oakland Athletics. “I was just wrapping up things at my real estate office on Union Street when the ground started shaking,” Rebecca said. “I hid under a desk but nothing in the office fell over. I got in my car to drive home. On the way, I drove through the Marina District and saw people looking dazed, standing outside of crumbled buildings. It looked like a war zone. It was surreal.” Rebecca recalled the story about a homebuyer who had closed escrow on a fourth-story condo in the Marina District and then went to Europe on vacation before the earthquake. “She returned to find her property had become a parking lot,” Rebecca said. “The condo complex had collapsed and the rubble already had been removed, scraped clean.” A year after the earthquake, Rebecca moved to San Diego. After a year of working with Sun Harbor Reality (later acquired by Coldwell Banker Residential Group in 1993), Rebecca opened her own company, America West Mortgage, in 1992. In 1993, she became a broker and opened California Reality Associates. In 2007, she joined Sotheby’s International Realty office in Rancho Santa Fe. Today, she lives in Lake San Marcos. Rebecca enjoys spending her spare time with her two Vizsla dogs (the Vizsla is a Hungarian Pointer breed). The dogs are named Sail and Caymus. “One dog is named after the Caymus Cabernet wine because I owned a restaurant and a wine store in San Marcos,” Rebecca said. “It’s important to stay involved in the community, that’s why I admire our Association so much,” Rebecca said. “NSDCAR has so much great people who are committed to doing high-quality work. At NSDCAR events, I feel a sense of belonging, like it’s home. Our members are active in supporting their communities, which makes North County feel even more like home to me.”
Supporting local charities and real estate success have long gone hand in hand. Passion for a good cause helps not only the communities served by REALTORS®, but it also demonstrates the commitment by real estate professionals to improve local neighborhoods. “Our Association is proud to support those who make our communities a better place,” said Michael Carunchio, NSDCAR 2017 president. “NSDCAR and its members are long-time supporters of many local non-profit organizations. Our members are actively involved in supporting charitable organizations and events through sponsorships and a commitment to volunteerism. Throughout our 20-year-plus history, our REALTOR® Association has helped raise hundreds of thousands of dollars for worthy charities and organizations.” Recently, NSDCAR members have participated in several community charity activities. On March 2, NSDCAR REALTORS® and Affiliate members representing the Fallbrook and Bonsall areas shared their time reading to students at Fallbrook Street Elementary School in Fallbrook as part of Read Across America Day. Read Across America Day is an annual event that promotes the importance of reading to school children and commemorates Dr. Seuss and his literary contribution to children. Local REALTORS® and affiliates have celebrated literacy and volunteered their time with this event since 2009 and look forward to the event each year. Read Across America Day coincides with the birthday of Theodor “Dr. Seuss” Geisel, author of many children’s books. Geisel was born March 2, 1904, in Springfield, Mass., and first used the pen name Dr. Seuss on a cartoon in the Saturday Evening Post in 1927. His first book, “And to Think That I Saw It on Mulberry Street,” was published 10 years later, after 27 rejections. After World War II, he moved to La Jolla and penned such classics as “Green Eggs and Ham” and “How the Grinch Stole Christmas,” which became staples for young readers. Geisel died in 1991. The National Education Association launched Read Across America Day on his birthday seven years later on March 2, 1998. “Education is a great equalizer and nothing can be more critical to achieving empowerment than reading and literacy,” said Carunchio. “I’m very proud of NSDCAR’s support of this annual celebration. Motivating children to read is an important factor in student achievement and creating lifelong successful readers. Research has shown that children who are motivated and spend more time reading do better in school. Loving to read early in life has the power to make every one of us a lifelong learner.” Another recent community activity that drew support from NSDCAR members occurred Sunday, Feb. 12, a few days before Valentine’s Day. NSDCAR members helped raise $30,159 at a Valentine’s Dinner-Dance held at the Elks Lodge #1687 on South Escondido Boulevard in Escondido. About 175 people, including REALTORS® and Affiliate members from Escondido, attended the fundraiser that benefitted the Escondido Police Department’s Police Athletic League (PAL), headed by former Escondido Police Lt. Al Owens, who recently retired after a 21-year career. Since its founding, PAL has impacted the lives of thousands of at-risk youth in Escondido, according to NSDCAR REALTOR® member Connie Malkiewicz. PAL supports youth sports leagues, including softball, basketball and soccer, as well as safety academies. The PAL athletic program for children, ages 6 to 18, relies on educational athletic activities to cement a bond between police officers and the youth in the community. “It’s better to help a child in trouble than try to fix an adult,” said Malkiewicz. “There’s nothing better in the world than making a difference and changing the lives of kids. I’m so proud of our Association members. The real winner at our event is the community because many of the kids have never participated in a sports program before getting involved in PAL. REALTORS® really care about our communities. When we have a safe city, everybody is better off.” At the Valentine’s fundraiser, donations came from table sales and auction items. Raffle tickets and table decorations also were sold. Previous NSDCAR fundraising efforts for PAL have included donations collected at Marketing Session and talent shows held in 2014 and 2015 that featured the talents of NSDCAR members. In addition, the NSDCAR Carlsbad Marketing Session recently chose to donate $4,423 to Shades of Pink Foundation California (SOPFCA). SOPFCA’s mission is to provide temporary monetary assistance to local women who are experiencing financial distress as a result of a breast cancer diagnosis and treatment. SOPFCA focuses on direct grants to local women in need and the organization supports women in active breast cancer treatment. While national breast cancer organizations focus on research, SOPFCA’s purpose is less global and more about direct personal financial support for local women. “All of us at NSDCAR are proud to know that our recent grant will help ease the financial burdens of women facing breast cancer today so they can concentrate on treatment and healing,” said Carunchio. “NSDCAR stands proudly behind all cancer survivors, including the daughters, friends and family of survivors and those who did not survive. NSDCAR is inspired by the strength of women battling breast cancer while taking care of family, holding down jobs and trying to make ends meet. Our hats are off to SOPFCA who helping these women now when they need it most.”
Carol Farrar, NSDCAR Director You may know NSDCAR REALTOR® member Carol Farrar as a NSDCAR board member since 2014 (she’s now in her second two-year term) and as a California Association of REALTORS® (C.A.R.) director since 2015. She also is serving this year as chair of the C.A.R. Young Professionals Network (YPN) Committee (there are 58 YPN groups of REALTORS® currently in the state). But did you know that Carol began working in real estate because of beer? She grew up in a working class family in the North County. Carol graduated from Escondido High School (class of 1997) and spent a year as a varsity cheerleader. Her maiden name was Zazueta. “With a last name like that, it meant I was always last on the list, except when the teacher would say, `roll call in reverse today!’” Carol said. “My father was one of eight children and he was the first one to buy a home in the U.S. He was so proud of our home and he wanted to share it his family. So, for several summers in a row, we would host relatives at our home. As a young kid, I would have to share my bedroom and teach English to my extended family. The experience taught me responsibility and patience and to be grateful for whatever you have. It also taught me to be open minded and flexible because you always don’t get your way. Nothing comes easy in this world and it takes hard work to achieve success.” After high school, Carol got a job at a fairly new company in Escondido called Stone Brewing Co., which had been founded in 1996 (today, Stone is the largest brewery in Southern California). She was quickly promoted and eventually was named distribution supervisor overseeing product distribution logistics across the country. “I was young, in my early 20s, and passionate about my job,” she said. “I met a lot of people working at the brewery many who I am still friends with today and who I've helped with their real estate needs. Beer connects people whether the economy is going well or not, people still enjoy drinking craft beer. Some of the finest people I’ve ever met have worked in the beer industry. “One day I was thinking about my future and friend who was a REALTOR® said that I would be a good fit for the real estate business, which was encouraging. Not to mention in 2005 the market was vibrant and I wanted to make a change in careers so I decided to give it a try. In my first year as a loan officer, I made the same amount in commissions as my base salary at Stone. At that point, I knew I was on the right path. I’m grateful to the beer industry for opening the door that led me into real estate.” When the recession began to hit in 2007, Carol made the switch from doing mortgages to working on the property sales. “It was a difficult time to make the switch since the market was collapsing, when I turned for help no one was there to support me but luckily I landed on both feet at an office with great mentorship,” said Carol, who worked as a successful buyers agent with a top-producing team in Carlsbad for several years. By 2013, Carol branched out on her own, got a brokers license and opened boutique brokerage firm, 1850 Realty. “1850 was the year that San Diego became a county and it's the same year that California took its statehood,” said Carol. “People mark their lives by referring back to a certain year that an event occurred like the year they moved. We find that when someone buys or sells a home that is something special to celebrate which how we chose our company’s motto: Connecting clients to communities.” Carol’s husband Eric Farrar also works with her at 1850 Realty. He also is involved at Sandicor on the MLS committee, plus he volunteers with the San Diego Sherriff’s Office in Search and Rescue. Carol and Eric, celebrating 10 years married in August, are expecting their first child in late April. “It’s an exciting time for us right now and we’re getting ready for big changes,” she said. “We knew each other in high school but never dated until we were in our mid-20s. And, yes, we re-connected through beer because, as I've experienced, beer is a great connector of people.” Carol agrees that NSDCAR also can be a great connector for REALTORS®. “Getting involved with the industry and our Association has resulted in tremendous education which has benefited me in so many ways,” she said. “I would highly recommend taking advantage of the opportunity to volunteer at our Association. It really helps develop your professionalism leading you to success.”
Bob Pahlke, NSDCAR 2017 Board Director You may know REALTOR® member Bob Pahlke for his service as a member of NSDCAR’s Local Government Relations Committee (District 4, representing Carlsbad) for the past 10 years and as a trustee on the California Association of REALTORS® (C.A.R.) California Real Estate Political Action Committee (CREPAC) for the past five years. He also has served as a National Association of REALTORS® (NAR) director for the past eight years and as a C.A.R. director for the past six years. He also has served on behalf of NSDCAR as a Federal Political Coordinator (FPC), a liaison position between NAR and a local member of Congress. Bob served as an FPC in North County’s 50th congressional district to former U.S. Rep. Brian Bilbray for about four years (Bilbray served between 1995 and 2001), plus Bob has served the past five years to nine-term Congressman Darrell Issa (R-Vista) in the 49th district. A past NSDCAR president (2013), Bob also was honored with NSDCAR’s 2014 REALTOR® of the Year award. During his year as NSDCAR president, he is most proud of restructuring the District Councils. “We made things a lot simpler and went from eight to four districts,” he said. But did you know that before real estate Bob was a diamond setter and jeweler? He spent about 30 years in the retail jewelry business as a store owner and manager and jewelry designer in both Salt Lake City and San Diego. “I met my wife when she walked into my jewelry shop in Utah to have some pearls restrung,” said Bob, 65. “I fabricated both of our wedding rings myself and set the diamonds in my wife’s ring. After 33 years, our rings still shine.” They were married in 1984. Bob and Kristine have four grown children (ages 40, 37, 33 and 30), eight grandchildren and three great-grandchildren (ages 2, 4 and 5). A native of Chicago, Bob grew up in the suburb of Highland Park. He graduated from Highland Park High School (class of 1970) and earned a bachelor’s degree from Southern Illinois University in Carbondale, Ill. At age 23, he moved to Utah. “There’s no better place in the world than Utah for skiing,” he said. “It’s not as cold as Colorado, Wyoming or Montana. And, the snow is light and dry, lots of powder.” In addition to skiing, Bob enjoys stream fishing. His favorite place for trout: Montana’s Gallatin River in Bozeman. The mountain river, part of Yellowstone National Park, was named in July 1805 by explorer Meriwether Lewis after U.S. Treasury Secretary Albert Gallatin. “The river is fast, rocky, and cold, making it a great place for a variety of trout,” said Bob. Bob also enjoys playing tennis at the Joe & Mary Mottino Family YMCA in Oceanside. “Sometimes a few ex-college players or ranked players will show up and it’s always a great game,” Bob said. In 1988, Bob and Kristine moved from Utah to San Diego. “We just got tired of the cold weather and decided to try California,” said Bob. Today, they live in Vista’s Shadowridge community. He switched to real estate in 1998 and joined the Berkshire Hathaway HomeServices office in Carlsbad. “I had worked inside for so many years in the jewelry business, so I wanted to try an outside job like real estate so I could enjoy the weather,” said Bob. “Since day one, I’ve worked at the same office with the same branch manager (regional VP Ron Sanford).” Nine years ago, Bob earned his broker’s license. Bob believes NSDCAR’s Local Government Relations Committee (LGR) is “one of the finest government affairs programs in the county,” he said. “We’re successful 80 percent of the time in getting REALTOR®-friendly candidates elected. Our LGR is one of the reasons why our Association is so strong and effective and a good value for our members. Our members are among the most successful in the business. I’m proud that our Association does whatever we can to continue their success.”
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La Oficina de Bienes Raices de California (CalBRE) exige a los licenciatarios vendedores, a tomar un curso de 45 horas de educación continua cada cuatro años. Este Ed-Pak contiene las 45 horas exigidas de educación continua para los vendedores que reactivan sus licencias por primera vez. Los cursos que se ofrecen en este paquete están escritos en español.
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You may know NSDCAR REALTOR® member Kim Babcock as a recent recipient of a 2016 REALTOR® Award of Excellence. Awards were presented according to various geographical areas. Kim was recognized for her work in South Coast areas with the Girls Scouts Encinitas Service Unit. But did you know that she once sold computers that were part of the equipment used on the Space Shuttle and International Space Station? “For about seven years (from 1998 to 2005), it was like I had an out-of-body experience, doing something I had never imagined I could do before,” said Kim, who worked in the Mira Mesa office of Kontron America, an Germany-based company that sells embedded computers, industrial pc’s and single board computers, as well as rugged mobile computers. “I did not have an engineering degree, but here I was, working as a senior product manager, traveling around the world, giving presentations to sales engineers about the features on our newest single board computer. It was unreal.” Kim has taken a serendipitous route in her life before earning her real estate sales license in February 2004. She was born in Queens, N.Y., but moved to Cardiff-by-the-Sea with her mom at age 8. She attended Encinitas schools thru 9th grade, but graduated from high school (class of 1986) in Laguna Beach, where her dad lived. While attending the University of California at Santa Cruz, she majored in mathematics with plans to become a high school math teacher. She went on to earn a bachelor of arts degree from National University majoring in behavioral science with plans to become a school counselor. While completing her bachelor’s degree, she worked for the San Diego State University Foundation, leading her to a position with the SDSU School of Business Administration’s Entrepreneurial Management Center (EMC) in the mid-1990s. “I produced an annual international business plan competition for Graduate MBA students,” Kim said. “Students from 20 U.S. and 5 International Universities, came to San Diego for this competition each spring. I was involved in helping coach and prepare our SDSU students. Our judges for the competition were well known successful San Diego business people like Irwin Jacobs (co-founder of Qualcomm, Inc.), Ralph Rubio (founder of Rubio’s Coastal Grill restaurant chain) and Sol Price (founder of FedMart, Price Club and PriceSmart). It was such a great job. I was exposed to some very innovative business ideas and strategies that left a lasting impression on me.” Her work with the EMC and graduate business students inspired her to earn her own master’s degree in business administration from SDSU in 1999. Upon graduation, she was hired by Kontron (where she had interned) to work as a product marketing manager. Kim always had an interest in Real Estate since her dad had been a top REALTOR® while she was growing up. That interest grew over time. And, when the market started to show rapid growth in 2004, she decided to get her license and see if she could do some deals part-time for fun and earn some extra income. Little did she know, this would come in very handy in the future. In February 2005, Kim was suddenly laid-off from Kontron. She had been selling real estate on a part-time basis for just over a year. “When I lost my product manager job, I was five months pregnant, my mom was dying from terminal lung cancer, and I was representing a client on my fourth transaction to buy a $900,000 home. It was a pivotal time in my life,” said Kim who took six months off to consider her career options and spend time with her newborn daughter. “With a new baby, I couldn’t stand the idea of going back to the long weekday hours and travel that was required in the computer industry. My friends and family encouraged me to go into real estate full-time so I would have more flexibility and control over my schedule. Once I made the decision to do it, I buckled down and worked hard to make it work. I never looked back, and 13 years later, I am loving what I do very much have been fortunate to achieve much success. Even when the market crashed in 2008, and it was mostly distressed sales, I had my best year ever.” For the past seven years, Kim has also taken on the responsibility of managing the Century 21 Award office in Carlsbad. “Everything I’ve done in my life, from managing computer products to coaching students, and losing both my mom and dad, has come together full circle in my real estate career," said Kim, who now lives in Vista. “I’ve learned to be brave and committed, trust my instincts, and always show compassion and care, especially when trying to help a client with a short sale.” Kim also acknowledges the important role that NSDCAR has played in her career. “I have become more active in our local board recently and have realized what a great bunch of colleagues and partners we have here,” she said. “Our Association is full of positive, caring and forward-thinking professionals. And the available resources are impressive. I encourage all my newly hired agents to get involved and take advantage of all the benefits and education available to us through NSDCAR. I look forward to being more involved in NSDCAR in the future to serve and contribute to the positive growth and success of our industry.”
Leslie Appleton-Young, vice president and chief economist, California Association of REALTORS® (C.A.R.), recently delivered her annual “2017 Housing Market Perspectives” presentation to a group of local REALTOR® members. “It may be a bumpy ride, but I believe there will be enough sales in San Diego County in 2017 for everyone to have a great year,” she said. “San Diego is outperforming the state and California is outperforming the nation. Although 2017 started with a bang with higher consumer confidence, there is still uncertainty and wildcards in such areas as trade, healthcare, immigration, federal funding and interest rates. An economic boost is good for housing in the short run, but some federal policies could exacerbate affordability problems.” Under President Trump, proposals include an economic stimulus package and tax reform. Appleton-Young said the $550 billion planned in infrastructure investments over 10 years to rebuild highways, bridges, tunnels, airports, schools and hospitals will boost economic growth and create more jobs. “At full employment, wages will start to rise and wage growth will typically be passed on to consumers, which means the potential for higher inflation,” she said. “Unemployment rates are near an eight-year low. More jobs will mean more housing demand and upward pressure on home prices. Affordability will remain an issue and we shouldn’t expect much in terms of new supply.” Appleton-Young also said overhauling the current tax code will create more demand for housing at a time when supply already is tight. She said Mr. Trump has proposed reducing the top tax rates for individuals from 39.5 percent to 33 percent and for corporations from 35 percent to 15 percent, as well as eliminating tax brackets from seven to three. Additional planned tax reform measures include a child care deduction, eliminate federal estate and gift taxes and tax breaks to manufacturers for plant and equipment expansion. “The mortgage interest deduction (MID) will remain intact, although a smaller MID incentive could threaten ownership,” Appleton-Young said. “The MID is good for people’s pocket books. Historically, people don’t save unless they have a home.” In addition, reforms to Fannie Mae and Freddie Mac are likely under a Trump administration, said Appleton-Young. “Banks will loosen lending standards, increase mortgage options and lower the credit score requirements,” she said. The Federal Reserve raised interest rates only once in 2016, Appleton-Young said, but rates could increase three or four times in 2017, pushing mortgage interest rates as high as 4.5 percent or 5 percent for a typical home loan. Historically, when mortgage rates increased, the percentage of California households able to afford to buy a home dropped from 34 percent in 2010 to 21 percent by the end of 2016, and monthly mortgage payments increased from $1,740 to $2,609 in the same time period. Appleton-Young also offered a caution to REALTORS® about posting political statements on social media because some potential clients might reject a REALTOR® based on their political leanings. Good questions to ask before political-related posting: Do I have the correct facts? Does this need to be said? Why do I need to be the person to say this? Could I be misunderstood? What are my motives for saying this? Can this wait until tomorrow when I might be thinking in a clearer manner? Prior to her group presentation, Appleton-Young met privately with a group of brokers who noted an ongoing trend in higher monthly rents for apartment living. A recent report shows San Diego has the fifth highest apartment rental rate in the state, with a typical one-bedroom unit going for $1,530 a month. The report by Apartment List, an online rental marketplace, found that local rents grew 0.1 percent in January, which is 1.9 percent higher than a year ago. San Diego is still lower than other rents in the state. Rents are highest in San Francisco, where a one-bedroom runs $3,420 a month, followed by San Jose at $2,110, Oakland at $2,000 and Los Angeles at $1,870. The U.S. renter population is about 44 million households or 37 percent of all households in the nation. Apartment List’s data is drawn monthly from millions of listings nationwide on its site. Also in the brokers meeting, it was noted that U.S. News & World Report recently revealed its “Best Places to Live in the U.S. in 2017” list of top 25 metro areas that offer the best combination of jobs, desirability, cost of living, quality of life and more. San Diego is ranked #22. “What San Diego lacks in affordability, as one of the most expensive metro areas on the list, it makes up for desirability,” the magazine said. “San Diego’s beautiful beaches and laid-back vibe make many Americans wish they lived there.” The top 5 places were: Fayetteville, Ark. (#5); Washington, D.C. (#4); San Jose, Calif. (#3); Denver (#2); Austin, Tex. (#1). Appleton-Young directs the activities of C.A.R.’s Member Information team. She oversees the analysis of housing market and brokerage industry trends, broker relations and membership development activities. She also is closely involved in the Association’s strategic planning efforts and is a well-known speaker in California’s real estate community. She earned a bachelor’s degree in economics from the University of California Berkeley and a master’s degree from the University of Pennsylvania. C.A.R. is a statewide trade organization with more than 180,000 members dedicated to the advancement of professionalism in real estate.
Ron Brownell, NSDCAR 2017 Board Director
You may know Ron Brownell as the 2017 chair of NSDCAR’s Local Government Relations (LGR) Committee. The Committee interacts with elected officials and government agencies on relevant real estate-related issues and concerns that pertain to the NSDCAR market area. The Committee also helps shape the Association’s public policy agenda with strategic monitoring of critical legislation as well as endorsements and advocacy efforts. Ron has served on the LGR committee for the past three years. He also serves the NSDCAR Risk Reduction Committee. He also holds the current longevity record (17 years) as a member of the Sandicor board of directors. He also serves on Sandicor committees, including MLS Grievance Committee and Technical Users Group as chairman. He also has served as a California Association of REALTORS® director for the past 21 years. But did you know that Ron once oversaw operations for the Brownell family’s 1,500-acre farm in the Imperial Valley community of Brawley? “For about 10 years after high school, I ran the family farm and we grew alfalfa, wheat, sugar beets, cotton and corn,” said Ron. “But, my farming days came to an end. Today, we don’t even have a home garden other than growing a few tomatoes from time to time.” When farming ended in 1983, Ron ran a Dyno-Tune automotive repair shop in Escondido and then sold tools for about five years with the Matco Tools, Inc. “Then I got the bug again to make a change and a buddy recommended real estate, so I went from selling tools to selling houses,” said Ron, who has worked in the profession since 1989. He didn’t wait long to get involved with the Escondido Association of REALTORS® (he has lived in Escondido since 1983). In 1991, he joined the Escondido Association board of directors, and served as its Association President in 1996, the year when the Association merged with NSDCAR. He sold homes from 1989 to 1998, and then switched his career focus to real estate management. Today, his title is director of compliance with Better Homes and Gardens Real Estate Signature Homes and Better Homes and Gardens Real Estate McMillin Realty. In June, Ron and wife Diane will celebrate their 44th wedding anniversary. “I was 19 and she was two months shy of turning 17, so we had to get her parents’ permission for the marriage license to be valid,” said Ron. Ron and Diane raised a son and daughter, both whom have one child apiece. Ron and Diane’s two grandchildren include a 22-year-old granddaughter who recently graduated from college and a 12-year-old grandson. Over the years, Ron has pursued various recreational hobbies. “For a few years, we rode dune buggies over the sand dunes in the Imperial Valley and one time we took Navy pilots from the Blue Angels on a ride,” Ron said. “They reciprocated the favor and I spent four days on the Ranger aircraft carrier, it was a great experience.” Ron also was a stock car racer driving a ’57 Chevy on dirt tracks in Imperial Valley, El Cajon and Chula Vista. He also once owned a 2002 Harley-Davidson Deuce motorcycle. He also was a private pilot and flew with a friend in a single-engine Beechcraft Bonanza cross country to the Bahamas. He also owned a Jeep for rock crawling at Big Bear, Borrego and Ocotillo Wells (rock crawling is an extreme form of off-road driving using highly modified, four-wheel-drive vehicles to bounce over boulders and rock piles, as well as mountain trails and foothills). When the kids were young, they also enjoyed river rafting over rapids on the Rogue River in Grants Pass, Ore. “Yes, I’ve had a lot of fun over the years,” said Ron. “We’ve come a long way since Brawley High School, class of 1972.” Ron is definitely a big-time supporter of NSDCAR. “Our Association has been important to me throughout my entire career,” he said. “The range of services and available training provided to our members are unsurpassed. I’ve always believed in giving back to our profession and getting involved our Association is an excellent way to do that.”
Bill Richard, NSDCAR 2017 Board Director
You might know Bill Richard who is serving as a 2017 NSDCAR board member representing the Central Coast area. It’s his first year on the board. For the past 15 years, Bill has emceed and been involved in the NSDCAR marketing session where properties are pitched. He also has served on NSDCAR's Professional Standards Committee. But did you know that Bill was once a senior pastor for 13 years of a Calvary Chapel church that began at Torrey Pines High School in Del Mar and ended in Encinitas? “I was called by God to quit my sales job and serve the flock,” said Bill. “The church grew from 30 people to about 300.” Bill had a successful 13-year career selling parts as the top West Coast representative for several companies, including Hilti International and Lawson Products. He was earning a six-figure income. “I’ve sold anything that’s needed to build something,” said Bill. “One time I drove to Los Angeles to pick-up a small box of nuts and bolts that cost $95 that I personally hand-delivered to the military customer. The guy was testing me to see if I would backup my promise. A week later, they ordered $100,000 in parts, one of the biggest orders in the company’s history. It took two semi trucks to deliver the parts.” Prior to selling construction tools and parts, Bill attended St. Joseph’s University. After graduating, he planned to become a doctor. “Unfortunately, I am colorblind, which could be an issue as a surgeon,” said Bill. “But if someone is hiding in the brush wearing camouflage clothing, then colorblind people can easily see them.” The native of Cherry Hill, N.J. grew up in Camden, N.J. Bill met wife Janice when she was age 15 and he 17. “It was at a high school dance with students from rival high schools,” said Bill. “I saw her across the gym floor. We met in the middle and danced and the rest is history. We dated for five years before we were married in 1974” (they recently celebrated their wedding anniversary in December). Two years later, in 1976, Bill and Janice moved to California. Then, in 1988, Bill was active in Bible studies at a small, growing church. “I had won every sales award available from my company and was mentoring scores of young sales reps, but there were no higher positions available within the company,” said Bill. “That’s when I received a higher calling. A pastor friend encouraged me. It was a great experience and I will always be a pastor just not a senior pastor.” But, in 2000, Bill gathered the church board of directors and decided to disband the church. “Our church was located between two other giant Calvary Chapel congregations and we felt that our people would have access to more resources and greater ministry opportunities at the larger churches. It was a tough personal decision, but we had four kids ready to enter college and I was earning about $5,500 a month. I had to make a difficult decision, either provide for my family so they could go to college or continue in the ministry and possibly place them in jeopardy. I asked God and He reminded me that my first ministry was to my wife and family. With that direction, I decided that the best thing to do, and has been, to follow what He says.” Bill decided to try real estate sales. His mom, Trudy Richard, sold real estate throughout the North County from 1983 to 2005. Bill is one of eight children raised by Trudy, who is now age 91 and retired. Bill’s brother Bob also works in real estate in the Carlsbad area. In 2000, his first year in real estate, Bill hosted 92 open houses, which translated into 51 transactions. He has worked with several real estate companies as both an agent and trainer before becoming a broker and founding Richard Realty Group and Realty Groups San Diego, based in Carlsbad. Today, about 60 agents work for Bill’s companies. “If a man works, he eats, it’s that simple,” said Bill. “I’ve always recalled that Bible verse (2nd Thessalonians 3:10) after a deal fell through or rejected. If I just did one more cold call, then I might make a sale. It always seemed that the moment I felt like giving up, that’s when I was rewarded. If I’m doing what I’m supposed to do, then God always provides.” Bill also believes strongly in staying involved in NSDCAR. “One of the greatest things we have in the North County is our Association. NSDCAR has enabled me to really understand the basics of our profession,” Bill said. “If you really want to understand real estate, then you need to serve. It is through serving that we are served. The invitation is there in the Bible: come, follow and serve.”
By Michael Carunchio NSDCAR 2017 President
In a nation in which homeownership is largely seen as synonymous with the American dream, it’s a question that real estate professionals are now asking: How will President Trump impact the U.S. housing market in 2017? Will a Trump presidency launch a sustained upward trend in homeownership rates? Mr. Trump is a real estate tycoon who has made a fortune building luxury condominiums, hotels and casinos. But will that experience enable him to help the middle class, which faces a lack of affordable housing and rising prices? The surprise election of Donald J. Trump has real estate professionals wondering how a new Washington regime will impact our profession, one way or another. During his campaign, Mr. Trump has said his priorities would be cutting taxes and creating jobs. In addition, Mr. Trump’s tax plan explicitly stated that he would preserve the mortgage interest deduction. If we take him at his word, then the prospects for the housing market are not bad. Today, Americans want to feel secure and believe they have a fair shot in the marketplace. Overall, I believe Donald Trump represents good news for home buyers and sellers. Mr. Trump has a tremendous opportunity to write a new chapter in housing policy and build a legacy based on achievement and improving prosperity for the working class. If President Trump is successful in launching massive rebuilding programs in inner cities and for aging infrastructure across the country, then the impact could be tremendous for real estate, the building industry and skilled labor. Meanwhile, industry analysts vary in their predictions on the impact to the real estate profession under a Trump administration with Republicans controlling both chambers of Congress. Mr. Trump made his billions as a real estate developer so he knows well the hurdles of dealing with zoning burdens. We might see fewer regulations for new home construction, thereby lowering the cost of building and increasing homeownership. Simply put, Mr. Trump’s first term will be defined by fulfilling his campaign promises and economic improvement. Among other crystal-ball predictions: -- If Trump is anything, he is a guy who has built buildings. And, a lack of inventory is widely considered the biggest current drag on the housing market. So, if builders could benefit from lower corporate taxes and deregulation, then the result could be an expansion of existing home inventory. In July of last year, the U.S. Census Bureau announced the homeownership rate in this country had hit its lowest level since the government began measuring the stat in 1965. -- The housing market thrives on optimism. Boosted by a Trump confidence pop, demand may increase and mortgage money may become plentiful as equity-sharing mortgages become more widespread with support from big lenders. If banks make it easier to lend to average Americans and lower the credit scores required to qualify for mortgages, then this could increase the buyer pool and give more people a pillar of the American dream: homeownership. Subsequently, lower mortgage rates also could lead to higher home values. Even if rates slightly increase, factor in Mr. Trump's promised tax cuts, big spending initiatives and reductions in regulations, then home buyers face higher interest rates still won't be a huge problem. -- Watch for a move away from stringent mortgage underwriting to more normal lending, as well as reforms to Fannie Mae and Freddie Mac. Indeed, some investors are betting Mr. Trump will move the government-controlled mortgage giants into private hands. The fate of mortgage rates may depend in part on the how much pressure the Trump administration puts on the Federal Reserve. -- Speaking of optimism, a combination of tax cuts and government spending in the form of upgrading nation’s infrastructure and for national defense is certain to provide a boost to the economy. A stronger economy is always good news for real estate professionals. Accompanying gains in consumer confidence also will further move the economy higher. If we are rooting for the economy to improve, then we are hoping that with Mr. Trump’s background as a business entrepreneur and real estate developer will pave the way for more growth and more development, which would be a net beneficial for real estate. Let's hope that Mr. Trump can deliver positively as only he can do. “Making America Great Again” could mean significantly improving confidence and behavior leading to a positive economic outlook that would not cost taxpayer an extra penny. Now, that would be a terrific scenario.
Dana Whittaker, NSDCAR 2017 Board Director
You might know Dana Whittaker who is serving as a 2017 NSDCAR board member representing the South Coast District. She is in her second year on the board. “Getting involved and giving back to your profession by helping others will lift you up, inspire you and open doors to meet the right people who can help you,” Dana said. “I wouldn’t have my position today if it wasn’t for NSDCAR.” Dana serves as Carlsbad Sales Manager for Pacific Sotheby's International Realty. She has a true passion for coaching and consulting agents, teams and sales offices. She is certified as an Advanced Professional Coach by Quantum Leap Leadership. Many of Dana's clients have become some of the most successful agents in the industry. But did you know that Dana, in her 20s, sold animal hospital architectural services when she lived in Las Vegas? “I worked as a hostess at various conventions, and modeled a bunch of different things, from surf apparel to sunglasses,” Dana said. “One of my favorites was a veterinarian convention and an architect hired me to talk to vets about building animal hospitals. The vets would walk into our booth and try to trick me and stump me with questions, but I had read the brochures and I knew the answers, which helped the architect get more business.” Dana moved to San Diego at age 7. She graduated from Helix High School (class of 1992) and from San Diego State University with a bachelor’s degree in English. In 1998, she moved to Las Vegas with some friends. A year or so later, a friend recommended enrolling in a real estate school. “My intention was to learn about real estate so I could make money as an investor and not get ripped-off by agents,” Dana said. “Instead I became a sales agent and did very well at the start until 9/11 happened (on Sept. 11, 2001). Overnight, everything changed. The market came to a screeching halt. People in our office, which had been the number two Century 21 office in the world, were now struggling to make their house and car payments without escrows closing.” Then, one day, Dana went home and found a notice of default tacked to her front door. “I know how it feels to be scared, I’ve been there at the lowest point,” she said. “I decided right then that I would do whatever it takes to make it in this business. Excellence is not an act, but a habit. So, I made cold calls and pounded the pavement in high heels in 120-degree weather and eventually saved my house. It was several months later, in February 2002, when I finally got my next closing.” A few years later, in 2009, the recession hit, not long after Dana had decided to go into real estate coaching on a full-time basis. “The Vegas real estate market tanked again and that time I used survival skills I learned from my step-dad, who had served as a Navy Seal,” Dana said. “It was hard, but I helped our agents get their lives back. Some of them reinvented themselves with REO and short sales. Others were able to build new foundations for themselves. It wasn’t easy, but we made it through with a warrior mindset.” In April 2011, Dana and husband Chris moved to San Diego to be closer to family. They got married in Maui, Hawaii. “It was supposed to be just a vacation, but then Chris proposed on Saturday and, four days later, we got married barefoot on the beach at sunset, it was beautiful,” Dana said. Today, Dana and Chris are raising two children, a son age 10 and daughter age 5. After arriving in San Diego, Dana worked as a vice president for an independent brokerage in Carlsbad. There, she helped grow the office from 30 to about 100 agents, and increase sales by 431 percent over two years. In June 2016, she joined Pacific Sotheby's International Realty. “I work today with an extraordinary local team of people who are passionate about real estate and generously support our agents,” Dana said. Dana is a strong advocate for NSDCAR. “First and foremost, our Association puts the interests of
NSDCAR 2017 President Michael Carunchio
You might know Michael Carunchio as NSDCAR 2017 President. Mike has worked in real estate since early 1990, and earned his broker license in the mid-1990s. He owns Real Estate Outlet Plus and lives in Escondido. But did you know that Mike has a second home in Salton City, an area of the Salton Sea? The Salton Sea is actually a lake, not a sea. It is California’s largest lake by volume and the deepest point of the lake is about 55 feet. As part of both Imperial and Coachella valleys, the Salton Sea is a shallow, saline lake 234 feet below sea level located directly on the San Andreas Fault. In the late 1970s, when flooding hit the area, the water overflowed its banks and destroyed numerous houses, restaurants, hotels, motels and two yacht clubs. The community built dirt berms to contain future flooding. “I try to get there at least one weekend a month,” said Mike. “I love the area because it’s quiet and serene. Whether it’s enjoying the terrain driving a dune buggy, quad or jeep, it’s a lot of fun and a great getaway.” Born in Los Angeles, Mike’s family moved to Poway and then to Escondido when he was in the second grade. He grew up in Escondido and Poway and graduate from San Pasqual High School in Escondido (class of 1980). At age 14, he started working an animal supply store on North Broadway, where Toyota of Escondido is today. “It wasn’t a pet store, we sold nothing that ate anything,” said Mike. Other jobs as a teenager included dishwasher at Palomar Hospital and clerk at a 7/Eleven store and a liquor store. In his 20s, he worked at a grocery store on 13th Avenue that is now a Sprouts Farmers Market. He also spent seven years as a custodian at Palomar College. While at Palomar College, he saved enough money for a down payment on a condo at Pepperwood Meadows on East Grand Avenue in Escondido. The selling price: $49,999. “I was 25 years old and so excited to get a loan for 11 ¾-percent when rates for single-family homes were 18 percent,” Mike said. “That’s when I got bit by the real estate bug. I greatly enjoy my job because it gives me freedom to get involved with activities I enjoy, like leading the Association.” He then got his first job in real estate working in the mail room. “I became friends with several agents and they encouraged me to get my license,” Mike said. He then worked at several brokerages, including a Century 21, ERA and Realty Executives offices. He also worked with the Home Savings REO division preparing properties for sale. He then joined a brokerage called Real Estate Outlet. “The owner wanted to use the R-E-O letters in the company name,” Mike said. “Then, one day, the owner disappeared and we inherited the company and added a `Plus’ to the name.” Originally an Escondido Board of REALTORS® member since 1990 and A NSDCAR member since 1994, he got involved in NSDCAR leadership activities around 2005. “I look forward to implementing the changes the members have been asking for,” he said. “We’re open to options and listening to ideas from our members. I want to improve communications with our members. And, I prefer to make informed, deliberate decisions based on objective data. I believe we’re on the right track to make our Association the best ever.”
NSDCAR and PSAR File a Complaint in Superior Court of California for the Involuntary Dissolution of Sandicor
October 25, 2016 (San Diego) – A dispute between the three largest real estate trade associations in San Diego County has resulted in new legal action intended to dissolve San Diego’s regional multiple listing service (MLS) that provides information on available homes for sale to more than 19,000 local real estate professionals. The local MLS, called Sandicor, Inc., is owned by three local real estate trade associations, including Pacific Southwest Association of REALTORS® (PSAR), the North San Diego County Association of REALTORS® (NSDCAR) and Greater San Diego Association of REALTORS® (SDAR). PSAR has about 2,500 members, NSDCAR has more than 5,300 members and GSDAR has about 12,000 members. Members are real estate professionals who pay dues to access the MLS through their association of choice. Attorneys for PSAR and NSDCAR recently filed a complaint in San Diego Superior Court to dissolve Sandicor as a legal entity. SDAR’s position on this filing is still unknown. As a replacement to the local MLS, leaders with PSAR and NSDCAR aim to provide their members with access to the statewide California Regional Multiple Listing Service (CRMLS), which is used by more than 80,000 real estate professionals and lists data on properties in most of southern California and other parts of the state. “Transitioning to a more robust Statewide MLS like CRMLS benefits all consumers, as well as agents and brokers who work in San Diego County’s real estate industry,” said Anthony Andaya, 2016 president, PSAR. “A move to an MLS that is controlled by brokers who own the data and endorsed by our state association provides our agents with an enhanced ability to serve the clients.” In January of this year, SDAR's board approved the filing of a federal lawsuit against Sandicor, an entity it partially owns, and against PSAR and NSDCAR. In the complaint, SDAR alleged that Sandicor had been used as an “anticompetitive weapon” by the other two REALTOR® associations. Since then, the court granted motions to dismiss two earlier versions of SDAR’s claim. “SDAR has previously attempted to block progress to improve Sandicor, and to investigate the benefits of a merger between Sandicor and CRMLS, despite our members’ requests,” stated Raylene Brundage, NSDCAR 2016 president. “For the future growth and stability of our industry in San Diego, it would be best to simply dissolve Sandicor and protect our members’ best interest through an enhanced partnership with CRMLS.” “About half of all MLS systems in California do not share data with each other, which means brokers and their agents that practice business across MLS boundary lines must pay extra fees to join multiple MLS databases,” added Andaya. “It is time to adjust and redefine how we do business so consumers will continue to have confidence in knowing their agents are the go-to, trusted resource for their real estate needs.” “We understand that consumers sometimes get more information from Internet portals than agents using an MLS,” said Brundage. “However, the information from these sites can be incorrect or outdated. Agents deserve access to the same amount of information as consumers. When we cooperate, then we all do better business. Standardized data and a single point of access is the best way we can truly serve the consumer. Clients want to trust that their sales agent has the best resources available on their behalf. It is critical for the health and vitality of our industry.” Click here to read the FAQ Questions? Please register to attend the FREE San Diego County MLS Forum. Click here for more information.
It’s with great pleasure that we announce the NSDCAR Board of Directors has endorsed the “It’s My Business” campaign that promotes a statewide MLS. Did you know that about half of all Multiple Listing Services (MLS) in California don’t share data with each other? Some MLSs share only partial feeds. Or, they use different systems that are hard to use, and listings are not presented in the same way, making it difficult for agents to do their jobs. The result is a patchwork of data coverage that costs the real estate industry time and money. A consolidated MLS makes sense in California because it reduces time, expense and frustration. Data sharing gives brokers and their agents a competitive edge because it allows real estate professionals to see all the proprietary listing data in a given market. It’s technically possible for every MLS in California to share data. However, politics and history have been the obstacles. “We live in the information age,” said Raylene Brundage, NSDCAR 2016 President. “Agents deserve access to the same amount of information as consumers. Consumers don’t have borders, why should we? When we cooperate, then we all do better business and no one loses. Standardized data and a single point of access is the best way we can truly serve the consumer. It’s critical for the health and vitality of our industry.” The “It’s My Business” campaign is sponsored by the California Regional MLS (CRMLS). While CRMLS holds the vision for a statewide MLS, CRMLS operates as a separate and independent entity from the California Association of REALTORS® (C.A.R.). Following its 2011 merger with SoCal MLS, CRMLS expanded its footprint and now serves more than 80,000 real estate professionals in California. It is the largest MLS in the United States. CRMLS’ vision is to form a statewide MLS, resulting in the elimination of duplicative efforts and resources and to provide seamless, consistent access to letter-perfect real estate data throughout California. CRMLS’ immediate objective is to facilitate data sharing between MLSs so that every broker and agent can see all MLS listing data throughout the state without having to join multiple associations and MLSs. CRMLS also understands that brokers own their listing data, and MLSs should not make decisions about broker access to, or syndication of, data. The “It’s My Business” campaign focuses on data sharing between MLSs, not data syndication. A viable and valuable solution for the interim is MLSs sharing data with each other. It would help the California real estate industry move forward and stay competitive. CRMLS has developed cost-effective data sharing technology it is willing to share with other MLSs throughout the state of California at a fraction of the cost of other data sharing techniques. In addition, CRMLS’ data sharing technology ensures a seamless technology experience for all who will view and use the shared data. CRMLS’ development of these data sharing tools and the “It’s My Business” campaign aligns with the purpose of an MLS, which is to foster and facilitate cooperation. On Friday morning, Sept. 9, at the Hilton Garden Inn Del Mar, The room filled with interested attendees, to hear several speakers discuss a statewide MLS. The program, called “MLS Symposium: What’s in Your Best Interest,” was jointly presented by NSDCAR and the Pacific Southwest Association of REALTORS. Art Carter, CEO of California Regional MLS (CRMLS) said, “Listing aggregation content is important because the consumer is empowered with a much greater breadth of information through third-party portals than real estate professionals. Agents deserve access to the same amount of information as consumers.” Chris Heller, CEO of Keller Williams International said, “These are very exciting times. With consolidation of MLSs, it would allow us to innovate more. And most importantly, it will put agents at the control of their data. We are excited, and we hope all the agents are too.” Jamie Duran, President of Coldwell Banker Orange County and San Diego Companies, said, “This symposium is a great venue for brokers, agents and members of the associations to get educated and absorb the information, the relationship, and the landscape of the MLSs. The future of the MLS and our industry is changing. Are we going to let somebody else decide what to do or are we going to do it?" Gregg Larson, President and CEO of Clareity Consulting, said, “There are a lot of advantages to having one common MLS database, one set of rules, one common rules enforcement and some economies of scale. I know a broker who belongs to 11 different MLSs. She has to deal with 11 different systems, data sets, forms, different MLS rules, it’s a mess. It’s a lot of extra work and expense.” Chris Hasvold, Broker/Owner of Coldwell Banker, Village Properties, said, “Our customers should not have access to more information than we do. They can see properties throughout the state, and we are limited because of restrictions on the MLS.” To learn more about the “It’s My Business” campaign, visit www.itsmybusiness.me.
On behalf of the North San Diego County Association of REALTORS® (NSDCAR) Board of Directors, we are proud to announce that Richard D’Ascoli is joining NSDCAR as our new Chief Executive Officer. We are very excited about this news for several reasons. You may recall that NSDCAR recently signed a shared-services agreement with the Pacific Southwest Association of REALTORS® (PSAR) that provides new member benefits to members of both Associations. The agreement gives access to many services, resources, and discounts offered by either Association to both PSAR and NSDCAR members irrespective of which association they have their primary membership. The announced retirement of Dianne McMillan presented the Board with the opportunity to expand our shared-services agreement with PSAR. Mr. D’Ascoli, who is currently CEO of PSAR, will serve as CEO of both NSDCAR and PSAR. Both NSDCAR and PSAR will benefit from professional executive support in a cost-effective manner, while maintaining superior service for our members. Both associations will continue to operate independently as two separate organizations governed by separate and independent boards of directors. Mr. D’Ascoli will report to each board separately. Mr. D’Ascoli will begin working for NSDCAR on Oct. 1, but will gain the CEO title effective Jan. 2, 2017, following Dianne’s end-of-year retirement. Dianne has worked with NSDCAR for the past 25 years. We are grateful for her dedication and service to NSDCAR. We wish her the best in her retirement. D’Ascoli has served PSAR for the past 10 years. He has more than 25 years of management experience and 10 years of REALTOR® association experience. He served in the U.S. Air Force and has earned the REALTOR® Association Certified Executive (RCE) professional designation from the National Association of REALTORS®. Rich has a proven track record and is well suited to help find creative solutions to the challenges we face in an industry that is changing quickly. The NSDCAR Board and I are excited to have Rich with our organization. The NSDCAR Board is looking to the future and is committed to the long-term growth and viability of our organization. Rich is local, plus he has experience engaging with members in the field to identify areas where the association can support our members, protect property rights and build professionalism. He is very accessible and understands the challenges that REALTORS® face every day. The Board and I are confident that he will invigorate and build on the strong foundation established by our current and past leaders of NSDCAR. In a statement, Rich said, “I’m very excited and looking forward to this opportunity to serve our industry. Shared services programs help REALTOR® associations expand services and streamline management through strategic partnerships. The focus of shared services is not about mergers, rather it’s about collaborations, partnerships, and other mutually beneficial relationships among REALTOR® associations that enhance the level of service to all members and increase the association’s efficiency and productivity.” If you are interested in having our new CEO visit your office or Marketing Session, please send an e-mail to Rich@nsdcar.com, and a meeting will be scheduled. The North San Diego County Association of REALTORS® protects private property rights and promotes professionals and high ethical standards of conduct in real estate practices. The Association provides its members with the tools needed to assist clients with buying and selling homes. For more information, visit www.NSDCAR.com.
Dear NSDCAR Members, TOGETHER, you as the members of NSDCAR, the staff, and I have worked 22 years building an organization for which we can be extremely and justifiably proud. We have been on the leading edge. We were the first association in San Diego County to have an association website, which we launched with a slogan of “From Bricks to Clicks” – at a time when company websites were all but unheard of. We were among the first associations in the nation to have a division dedicated to commercial real estate – and which was then in the very first group to receive commercial accreditation from the National Association of REALTORS®. We were among the first REALTOR® associations in the country to merge more than two organizations, as we united a total of seven with vastly different size, market, and unique personality. Our success made us the model for many years, sought out for advice on how to design a successful merger. We broke with the traditional design of a centralized organization and instead adopted a district system, a concept just now gaining momentum among REALTOR associations nationwide. We were one of only a handful of REALTOR® associations nationwide brave enough to break with tradition, moving from a conventional governance model to John Carver’s Policy Governance, a model adopted widely, nationally and internationally, among non-profit associations of many disciplines. We have been careful stewards of our members’ money - building a significant reserve that assured that we would be able to maintain a high level of member service when things get tough. That’s extraordinary for an organization of our size, and we did it while keeping our dues and fees low. We are survivors. During good times and bad, we always kept the benefit of the member as central in our decision making. We deliver friendly, fair, efficient and effective service that has become our hallmark and for which we are praised by visitors as well as by our own members. NSDCAR is recognized, respected, and held in high regard with a reputation for innovation and progressive thinking both in California and nationally. Yes, we have occasionally, but rarely, made a misstep along the way. But we have always had the wisdom to admit, correct, and learn from our mistakes, moving forward in a positive direction. Personally, my association with NSDCAR has brought an array of leadership opportunities and honors of which I am extremely proud and for which I am extremely grateful. I am tremendously proud to have served NSDCAR - from the point of its design and inception, through growing pains, and now as a mature organization uniquely capable of moving successfully into a bold new future. But now, after 25 years with the REALTOR® organization in North County and 33 years in REALTOR® association management, it is time for us to pursue our respective dreams on separate paths as we each enter into an exciting new phase of life. January 1, 2017, will be my final official day with NSDCAR. Thank you for sharing this exciting journey with me. Dianne McMillan, CEO
NSDCAR Members from Tour 701, Carlsbad, Encinitas, Cardiff, donated $1,690.50 to Veterans 360, a non-profit organization. The mission of Veterans 360 is to eliminate the stigma of those struggling with post-traumatic stress, allowing victims of PTS to receive education and support instead of going it alone. This is a critical first step to reducing epidemic levels of suicide among PTS sufferers. For more information about Veterans 360, visit http://www.carrythechallenge.org/what-is-the-challenge/ Pictured above from left: Bill Richard, Evangelina Marshall, Rick Collins of Veterans 360, Rebecca Negard, and Bill Ims.
March 18, 2016 During the past week, many Sandicor users experienced and voiced complaints about our MLS system’s slow response time. These issues are related to computer hardware at Sandicor that needs to be replaced and delays in being able to do so, caused by the Greater San Diego Association of REALTORS® (GSDAR). The need for equipment replacement was identified well in advance in long term planning; however, Sandicor was notified only a few months ago that it would be losing its full software support effective May 1, of this year which is much sooner than originally anticipated. Once Sandicor was made aware of this, they immediately began researching the most viable solutions for the technical needs. Quickly thereafter they then submitted their recommendations and solutions to rectify this issue without causing any delay or issues to the end users. Unfortunately GSDAR has created delays by boycotting meetings and refusing to approve the recommended $500,000 equipment replacement. Sandicor has ample funds for this replacement; however, any single purchase over $25,000 requires a majority shareholder approval. With the lack of approval by GSDAR, the only option Sandicor is forced to adopt is to move our system to “The Cloud” which: • Is estimated to be $2.7 million over 3 years. This is more than 5 times the recommended $500,000 equipment replacement cost. • Will take 6 months to transition to the Cloud versus 2 months for the equipment replacement. • Will cause a user down time estimated to be 24 hours during the Cloud conversion versus 1 hour with the equipment change. In addition, Sandicor, along with other large MLSs, choose to host their own equipment on site with the advantages of better performance and lower costs. On-site equipment allows quicker diagnosis of issues and reduced down time in comparison to vendor-hosted MLS systems. It is our continued desire to ensure our members’ businesses are not negatively affected in any way and the MLS continues to provide the best possible service. We hope GSDAR will come to the same conclusion, that our MLS service is as critical to their members, as we believe it is for ours. Unless GSDAR agrees to an equipment purchase in the next few days we have no choice but to move to the Cloud at a much greater expense and disruption to our members’ service. Sincerely, Raylene Brundage, President North San Diego County Association of REALTORS® Anthony Andaya, President Pacific Southwest Association of REALTORS®
January 15, 2016
Information Regarding Lawsuit Filed by GSDARThe Greater San Diego Association of REALTORS® has filed a lawsuit in federal court alleging that Sandicor, NSDCAR, and the Pacific Southwest Association of REALTORS® have denied GSDAR access to MLS data and that both Associations have used Sandicor to compete unfairly with GSDAR for members. We are disappointed that GSDAR has chosen to file a lawsuit against Sandicor and its Sandicor partner associations. We firmly believe the claims in the lawsuit are without merit. NSDCAR has always acted in the best of interests of you, our members, and you can be assured we will continue to do so. More details about the lawsuit are available on Inman Select, which is a free NSDCAR member benefit.
Keep your business free from fines and legal trouble by taking a moment to review real estate advertising rules.
State of California Bureau of Real Estate License Disclosure Requirements for AdvertisingReview the chart showing the required disclosures of licensure for various advertising scenarios. Also included are the requirements of the Business and Professions Code, which applies to all first point-of-contact materials designed to solicit the creation of a professional relationship between the licensee and the consumer. The disclosures are required in all advertising including, but not limited to, flyers, mailers, TV, radio, newspapers, magazines, yellow pages, and the Internet. View the chart.
Sandicor Rules and Regulations12.8 Advertising of Listing Filed With the MLS "A listing shall not be advertised by any participant or subscriber, other than the listing broker, without the prior written consent of the listing broker except as provided in Section 12.16 relating to display of listings on the Internet." View Sandicor Rules and Regulations
Legal Q&As on Real Estate AdvertisingAdvertising by REALTORS® (Login) Advertising Someone Else's Listing (Login) How to Properly License Property Photographs
Paragon Users! Windows 10 has been added to the list of compatible and supported operating systems for use with Paragon MLS system.
See how NAR's 2005-2014 Member Profile shows how the demographics of REALTORS® have changed over the past 9 years. The post shows how the median age of members has increased overall. The research includes ethnic distribution, country of birth, and education. The data is an interesting look at how the demographics of REALTORS® has changed over the years. Read the full blog post here.
Gender of REALTORS® 2005 - 2014
If you haven't claimed your .REALTOR yet, or you're not sure how to use your new .REALTOR web address, see how other REALTORS® using theirs. Whether it's redirecting their new web address to an existing one, creating a custom website, or using the free realtor.com profile website, see how to get creative. View here
Sometimes it seems so much easier to hit the delete button than to take a moment to read another one of those e-mails from CAR or NAR. That is apparent by the fact that less than 10 percent of California REALTORS® have responded to recent Red Alert messages from NAR. One of the most important tasks of REALTOR® Associations at the local, state and national level is to protect private property rights, advocate for the real estate consumer and protect you from increased liability and costs of doing business. When you receive a Call to Action from CAR or a Red Alert from NAR, you should recognize these communications as a serious request for your help to address a pending legislative or regulatory issue. The other thing you should know is that your associations have made it extremely easy for you to let you voice be heard and your voice can easily be a part of a loud Realtor response if everyone participates. In some cases, the CAR alert will contain a draft letter that you can simply copy and send to your legislator. Most CAR calls for action are targeted to specific legislators, so your personal response is even more important because legislators are hearing from their constituents. NAR has made it even easier with development of the REALTOR® Action Center App for your cell phone or tablet. Visit the App Store and download the free REALTOR® Action Center App. Once set up you simply have to click on the Red Alert and a communication is sent to your Congressman or U.S. Senator supporting the REALTOR® position. Additionally the App allows you to track your response history and receive important background information on critical REALTORS® at the National level. Your voice is important. Strong REALTOR® response to alerts in the past allowed NAR to defeat repeated efforts by banks to enter real estate. REALTOR® voices were also major factors in capital gains tax reforms, protecting mortgage interest deductions and small business health coverage and appraisal issues. Your voice can be heard loud and clear if you simply click twice and respond to Red Alerts. Your job is to sell real estate. Your association’s job is to help you to be successful. The e-mails you get with Calls to Action of Red Alerts are simple and effective ways of working together for your continued success.