Thank You to Tom Rusco

with HouseMaster For

sponsoring our New

Member Orientation on Dec.

3rd.

Thank you to Chuck Hage

with Prime Lending for

sponsoring our Con-Ed class

on Oct. 1st and Thank you to

Frank Lucarelli with First

American Title for

sponsoring our Con-Ed class

on Oct. 21st.

Thank you to Chuck Hage

with Prime Lending and Title

One for sponsoring our

General Membership

Meeting on Dec. 8th.

BOARD OF DIRECTORS Directors

Sam Baydoun—President Laura Adamson

Robert P. Marx—President Elect Hossam Harb

Ted Easterly—Treasurer Sally Mrozowski

Al Makled—Past President Benjamin Welch

Maria LaCaria

REALCOMP

GOVERNOR

USER

COMMITTEE

DABOR

STAFF

Ted

Easterly

Mahmoud

Sobh

Laura

Green—CEO

Sandra

Kolar-Alt

Andrea

Fitzgerald

Victoria

Strojny—

Admin. Asst.

February 2016 Sun Mon Tue Wed Thu Fri Sat

1 2 3 4 5 Free Education

Friday

6

7 8 9 10 11 12 13

14 15 16 17 18 19 Professional

Standards

Training

20

21 22 23 24 25 New

Member

Orientation

26 27

28 29

Contact your local

American Home Shield

Representative

Mark Light

Senior Account Executive

800.800.8880 ext. 6116

jmlight@ahslink.com

Click the button to

view Home

Protection Plan

Benefits for Real

Estate

Professionals

brought to you by

American Home

Advertise Here! Call for

details!

Become a Preferred Contractor

REALTORS and contractors in all areas of home

services are an integral part of each others

network. From building to cleaning to windows

and doors. From floors to ceilings, painting and

decorating. DABOR is looking for well-established

companies specializing in quality of workmanship

and customer service. Join our network of

PREFERRED CONTRACTORS for $25.00 per

year. Your $25.00 will put your company Infor-

mation on the DABOR website and on our

monthly e-newsletter that is distributed to over

700+ REALTORs each month. Additionally, the

Preferred Contractor list (updated) is distributed to

each REALTOR member four times per

year. Contact us to start advertising today.

CLICK HERE for Preferred Contractor Form

On February 1, all MVP Subscribers will receive this:

YOUR OFFER DATES: February 1–15, 2016

YOUR ACTION: Enroll for exclusive discounts on FedEx® shipping and FedEx Office® print and copy services through the REALTOR Bene-

YOUR REWARD: A coupon for up to 10% off an Avis® Signature Series vehicle, a partner in NAR's REALTOR Benefits® Program. PLUS, a chance to win an Avis® Reward Day Voucher valued at $50. PLUS, a chance to win $10,000 or one of 100+ other prizes

Follow these few easy steps to earn your FREE reward:

1. Click the “ACT NOW” button to be taken to the FedEx Advantage® Program page to sign up.

2. You will receive a confirmation email from the MVP pro-gram within 48-hours of completing the action, which will include your coupon code and details on how to redeem your reward at Avis.com.

3. The winners of the drawing from FedEx will be notified on or around March 18, 2016.

Click the ACT NOW button to take action today.

DABOR Tuesday Listing Tour...New for MEMBERS

Add your listing to the DABOR Tuesday Tour

Notify the DABOR office each Monday by 12 noon and your listing will be featured on the Tuesday Tour. DABOR will send out a Tour list to members on Monday afternoons. Every listing on the tour will be held OPEN by the listing agent for REALTORS from 11a-12p the following day. For REALTORs only.

Send your listing information to laura@dabor.com

DABOR Tuesday Listing Tour...New for MEMBERS

1. “Culture is key”: Happy employees tend to boast about having great teammates and management that displays transparency.

2. “It’s not where they start; it’s where they finish”: Employees need to feel like they have a place for advancement.

3. “Employees want to have a say”: Employees want to feel like their company values feedback and take it seriously.

Here’s how the 13 industries analyzed stacked up against one another, ranked from happiest to least hap-

py.

1. Consumer Products & Services

2. Real Estate

3. Technology & Software

4. Hospitality

5. Finance & Insurance

6. Arts & Entertainment

7. Construction & Facilities Services

8. Education

9. Healthcare, Pharma & Biotech

10. Professional Services & Consulting

11. Manufacturing

12. Government & Nonprofit

13. Energy, Mining & Utilities

Source: TINYpulse

DAILY REAL ESTATE NEWS | WEDNESDAY, FEBRUARY 03, 2016

Real Estate Ranked Second-Happiest Industry

Code of Ethics Quadrennial Training Due This Year About the Training Requirement

Current Cycle - January 1, 2013 to December 31, 2016 Training must be completed at anytime

during the established cycle.

Failure to complete training during any cycle will lead to suspension of membership following the

cycle deadline.

REALTORS® are required to complete ethics training of not less than 2 hours, 30 minutes of in-structional time within four-year cycles. The training must meet specific learning objectives and criteria established by the National Association of REALTORS®.

Training may be completed through local REALTOR® associations or through another method, such as home study, correspondence, classroom courses, or online courses.

Take the free online course provided by NAR http://www.realtor.org/coeceduc.nsf/findnrdsrecord?openform.

All of DABOR’s 2016 6 hour con ed courses taught by NCI and Associates will include the NAR Code of Ethics requirement. Please check the con ed calendar to sign up for a class that fits your schedule.

To learn more about the Dearborn Public Schools and the many programs they offer.

1. Superintendent Blog, realtors can sign up by entering their email and receive automated email updates. Go to the subscription box on the right had side of the blog. http://superintendent.dearbornschools.org/

2. Here is a link to a talk show titled Happenings in Dearborn Public Schools. This episode is aligned with much of our discussion today regarding options for students. https://www.youtube.com/watch?v=ejBwKo4Q-Es&feature=youtu.be

3. Here a link to a previous Happenings in Dearborn Schools episode on the Feeder Track Model. https://www.youtube.com/watch?v=sPNzDKy-8Uw&list=PLXkPl0dZzj_l8Z70PDOwCuVhX7n60wpzr&index=4

4. Here is the link to the Dearborn Public Schools Home Page. https://dearbornschools.org/

Michigan Realtors® Relief Fund - Helping Friends in Flint

The Michigan Realtors® Relief Fund® ("MRRF") was established to support and expedite the receipt and donation of charitable aid from Michigan Realtors® and supporting organizations in response to the water crisis in the City of Flint. While the genesis of the MRRF was specific to providing relief in the City of Flint, the MRRF is intended to be ongoing as a 501(c)(3) organization established to provide housing-related assistance to victims of disasters and for other chari-table purposes permitted under the Internal Revenue Code. All donations made to the fund for the period beginning January 28, 2016 through April 30, 2016, will be designated to support the City of Flint and the East Central Associa-tion of Realtors® during the Flint Water Crisis.

Donate online and learn more about the fund here

To increase REALTOR® participation and influence in the political process, Dearborn Area Board of REALTORS has launched a voter registration drive among our members.

While nearly 80 percent of all REALTORS® are registered to vote, we can do better. According to our information, we could not confirm whether or not you are registered to vote. While you may be registered, we would like you to consider taking one of the following actions:

If you know that you ARE NOT REGISTERED, and would like to REGISTER TO VOTE, it has never been easier. Just go to www.RealtorVotes.com and register. It's that simple.

If you ARE REGISTERED to vote, congratulations! We would appreciate your help in keeping our files up to date by going to www.RealtorActionCenter.com/vote and confirming your registration. Often we have only a business address on file, which explains why we could not match you to the state voter file.

Also, consider bookmarking www.RealtorVotes.com so you can use it to obtain an absentee ballot should you wish to vote early if your state allows it.

The Dearborn Area Board of REALTORS is proud to join with the NATIONAL ASSOCIATION OF REALTORS® on this important civic effort to increase the number of registered voters and voter participation across the country.

WELCOME NEW DABOR MEMBERS!!!

ISSAM ABBAS

HUSSEIN ABDULSALAM

MARIA CABALLERO

HIBA CHATILA

ALI FAWAZ

JEFFREY FAYZ

BRUCE GILBERT

NOFILA HAIDAR

ALI KARKABA

RENEE MEYER

KELLE ANN RODRIGUES

IBRAHIM TALEB

Tip #31

Be careful with keys

Don't hand out house keys to friends, even if they are trustworthy. Know the location of all your house

keys all the time. Never use hide-a-keys or leave the key under the doormat, above the door, in a flower-

pot, or anywhere outside the house. You may think you're being clever, but experienced thieves know all

the tricks. Also, keep your car keys and house keys on a different ring if you ever use valet parking or

leave your keys with parking lot attendants or even at a repair garage.

Tip #32

From dawn till dusk

When showing a vacant commercial site, be aware of the time of day you meet a client. Showing a

property at dusk or after dark, with no electricity on in the space you are showing, is not

advisable.

‘Ugly’ Homes Find a Niche in Real Estate

DAILY REAL ESTATE NEWS | WEDNESDAY, FEBRUARY 03, 2016

The ugly home's curb appeal may begin and end at the curb — but more and more real estate professionals are bringing a dose of reality to their listings of eyesores, hoping the ugly ducklings might still attract home buyers.

Realtor.com® reports that a small but growing number of listings nationwide are advertising “ugly

homes,” complete with descriptions of the home as “dirty” to the “worst in the neighborhood.”

“People love eye-catching headlines, and reverse psychology seems to work,” says Cara Ameer, a

real estate professional in Ponte Vedra, Fla. “These types of descriptors pique interest, and people

say, ‘How bad could it be?’”

One three-bedroom, two-bathroom home in Northridge, Calif., listed at $475,000 is being marketed as a “flipper’s fantasy” -- but “cash only.” The listing includes photos showing an exterior covered in overgrown landscaping and a brown, dirty interior complete with wall cracks and missing flooring.

The listing reads: “This is truly the worst home in the best neighborhood.”

Realtor.com® notes the home has been viewed 123,900 times since being posted two weeks ago.

A three-bedroom home in Mechanicsburg, Pa., is also trying to use the “worst home in the neighbor-hood” hook to lure a buyer. The listing description reads: “We have the winner in the ugly-house contest with this. … It needs everything, starting with soap and water. … Because of its horrendous condition, you have the opportunity for the buy of a lifetime.”

Source: “Is Ugly the New Beautiful When Selling a Home?” realtor.com® (Feb. 2, 2016) and “REALTOR® Uses Reverse Psychology to Sell ‘Worst Home in Best Neighborhood,” New York Post (Feb. 1, 2016)

REALTORS and contractors in all areas of home services are an integral part of each

other’s network. From building to cleaning to windows and doors. From floors to ceil-

ings, painting and decorating. DABOR REALTORS have established relationships with

well-established companies specializing in quality of workmanship and customer ser-

vice. Browse our network of PREFERRED CONTRACTORS.

2016 PREFERRED CONTRACTORS LIST

DABOR Preferred Contractors

A+A

Doing the Jitterbug

My clients and I were coming in from the backyard of a

listing when something darted up my pant leg. I started

screaming and jumping around like a crazy person, and

my clients were obviously alarmed. Whatever was in

there kept jumping higher and higher, and all I could think was, “I have to get these pants off! Am I really

going to take my pants off with clients here?”

I bolted into the master bedroom, and my clients followed behind. Now they were screaming as loudly as I

was. I dashed into the master closet and slammed the door behind me. Still squealing, I ripped my pants

off—and out jumped a grasshopper.

I was mortified that my clients had witnessed this whole thing. I got my pants back on, mustered what com-

posure I could, and opened the closet door, My clients were doubled over in laughter as I explained to them

what happened. Mr. Buyer caught the grasshopper and kindly escorted it outside.

I have one takeaway from this experience: Skinny-legged pants are a must! Kelly Christenson, CRS GRI, RE/

MAX Trinity, Fort Worth, Texas

A Listing With a Sting

My seller hired a handyman to do some home-inspection repairs. It turned out the worker was also wanted

by the police.

In the Trenches

A collection of stories from real estate professionals detailing crazy, funny, or poignant experiences that have happened on the job.

JANUARY 2016 | BY GRAHAM WOOD

I got a call one day from a Kentucky State Police officer, who had somehow found out the man was working

on a home I represented. I learned there were several warrants out for his arrest and they apparently need-

ed my help in nabbing him. I let the police know the next time the handyman would be at the house,

They asked me to meet them at the house, which is when it dawned on me I would be playing a major role in

his arrest. “We don’t want you to be alarmed,” the officer said, “but there will be seven state police cars out-

side when you arrive.” When I got there, several patrol cars pulled up behind me, and I could see cops hiding

in the bushes. My heart started racing when they asked me to go to the door. When the handyman opened

it, several officers flew inside, put him in handcuffs, and led him behind the house. I never saw him again.

Neither the seller nor the buyer ever fully understood what happened; I just tried to help my client find a

repairman she could trust a little more. Lynne Sneed, ABR, CIPS, Keller Williams Bluegrass Realty, Lexington,

Ky.

A Friendly Ambush

When I met my client’s 3-year-old daughter during a listing appointment, she was more interested in her toy

box than talking to me. Her mother then suggested she show me her room. The next thing I knew, I was lay-

ing on the girl’s bedroom floor while she playfully hit me over the head with her large stuffed dog. Then she

sat on my head and held my wrist so I couldn’t interfere while she changed the background photo on my Ap-

ple watch. When I tried to escape her hilarious torture and get back to her mother, she chased me into the

kitchen, where we had a dance party with their golden retriever. Later, her mother told me why she jumped

on me: “Because I love her,” the girl had told her. We set up a playdate at Dunkin’ Donuts for a pink donut

with sprinkles. Kimberly Allard-Moccia, GRI, Century 21 Professionals, Braintree, Mass.

Submit your stories for potential publication using the online form, and find additional tales at realtorm.ag/trenches.

Drones: Assessing the Risks

Whether you hire a company to operate a UAV or do it yourself, know your insurance options.

JANUARY 2016 | BY ERIC MYERS

Amid the game-changing excitement over drones in real

estate, don’t let the liability issues they create fly under the

radar. Suppose you’re working with a professional photog-

rapher who has already received a Section 333 waiver from

the Federal Aviation Administration to operate unmanned

aerial vehicles. Are you aware of your coverage under your

brokerage’s errors and omissions insurance if the drone hits someone or damages property and a liability

claim is filed against you? The scenario may sound hypothetical, but it’s one you need to consider as un-

manned aerial photography and video assume a bigger part of real estate marketing.

You can’t assume your brokerage’s E&O policy—or your own coverage, if you have an individual policy—

would cover an accident caused by something so new to the industry as drone technology. Until drone use

becomes firmly established in the business and develops a substantial track record, insurance coverage will

generally remain a gray area to be decided on a case-by-case basis by different carriers.

Here are steps you can take to mitigate your risk.

Examine your current policy. Ask your insurance agent or broker to examine your commercial general liabil-

ity insurance policy and work with the insurance company that issued the policy to provide an endorsement

to cover drone-related incidents. For coverage to apply, there needs to be a description of the unmanned

aircraft and a description of the operations or projects to be performed. These descriptions can be as broad

as “all unmanned aircraft used in the insured’s business for any operation or project connected to the in-

sured’s business” or as narrowly tailored as “operation of Model BX500 unmanned aircraft, serial number

1247ZQ, used to take aerial photos of 12 Main Street, Macon, Ga., on Dec. 1, 2015.”

Consider drone insurance. If you are using drones or intend to, talk to an independent insurance agent or

broker about getting unmanned aircraft or drone insurance. Do this even if you’re working with aerial pho-

tographers who have the proper FAA waiver to operate drones. They might have their own coverage, but

their coverage won’t necessarily help you if you’re held liable separately from them.

Check into personal injury liability. Talk to your agent about obtaining coverage in an E&O policy for per-

sonal injury liability. This can occur when a drone operator takes a photo that infringes on the privacy rights

of another party. For example, a drone operator takes a picture of a home for a marketing brochure. The

picture also includes part of the neighbor’s backyard where teenagers are sunbathing. If the broker prints

and distributes hundreds of copies of the brochure and the neighbor finds out, there could be a privacy vio-

lation and the neighbor could make a claim against the real estate practitioner for an error or omission in his

or her professional services.

Inquire about legal defense costs. Ask about legal defense costs. If you are hit with a claim, and you don’t

have separate unmanned aircraft or drone coverage, then it’s possible your E&O policy could cover your de-

fense costs, as well as liability, for personal injury.

Right now, the commercial use of drones requires an FAA exemption, and that exemption has been granted

to about 1,800 operators across the country, including hundreds that provide aerial photography and video

services for consumers and businesses.

Also, hobbyists and amateurs must register all drones weighing between 0.55 pounds and 50 pounds with

the FAA by Feb. 19, 2016.

Later this year, the FAA is intending to issue a final rule setting forth requirements for anyone operating

drones commercially. At that point, whether you personally operate a drone in your business or hire anoth-

er company to do so, making sure that you’ve protected yourself as fully as possible should give you peace

of mind as you set out to provide bird’s-eye property views in your real estate marketing.

Home Buyer 101 Seminar

You are invited to the First Time Home Buyers' Course hosted by the Dearborn Area Board of REALTORS. Here, you will learn the important advantages of stepping into the housing mar-ket with confidence and how to find the home that's right for you. If you're looking for the tools you need to find a great REALTOR, the right mortgage program and the knowledge you need to achieve your goals, come to this FREE course.

When: Feb. 27th 1-2:30 pm

Where: Henry Ford Centennial Library 16301 Michigan Ave, Dearborn, MI 48126

Cost: FREE

Hosted by the Dearborn Area Board of REALTORS

Answers to these questions and more will be provided by our bilingual presenter.

RSVP to 313 278 2220 or laura@dabor.com

Property Tax Appeal Seminar

FREE Property tax Appeal Seminar Hosted by the Dearborn Area Board of REALTORS. The Tax Appeal Seminar will be conducted by Jumana Judeh, MAI, GAA, Certified General Appraiser, who will help you

understand how your property taxes are calculated on your home or business. Do you won-der?

How can market values drop and property values rise?

How can I appeal my property taxes?

What is the process to appeal?

When do I appeal?

Answers to these questions and more will be provided by our bilingual presenter.

When: Feb. 27th 3-4:30 pm

Where: Henry Ford Centennial Library 16301 Michigan Ave, Dearborn, MI 48126

Cost: FREE

General Membership Meeting…Big Changes at the Dearborn Residential Services

Mark your calendar for the next General Membership Meeting. March 8th 11:30 at Byblos Banquet Cen-ter. Our featured topic will be the City of Dearborn reorganization of the Commercial Services functions to the Residential Services Department and renaming the department -- Property Maintenance and Develop-ment Services. The Residential Sales and Rental programs will also be a topic of discussion. Nick Siroskey –Director will be on hand to talk about the changes taking place and take questions and answers. Call the bard office to RSVP or laura@dabor.com

Come on by and check

out our supply store!

Dearborn Area Board of REALTORS

FREE Education Fridays! Look for

emails for detailed information.

2/5/16, free

3/4/16, free

4/1/16, free

5/6/16, $10

Legal Hotline

QUESTION: I am a real estate licensee and I would like to make an offer on some property but I do not wish to disclose the fact that I am a real estate licensee until after the purchase agree-ment is accepted. Can I do this?

ANSWER: NO. Rule 315 states the following:

When buying or acquiring, directly or indirectly, an interest in property, a licensee shall disclose the fact of his or her licensure as a real estate broker, associ ate broker, or salesperson clearly, in writing, to the owner before the owner is asked to sign the pur chase agreement.

Remember also that Rule 317 requires the express written per-mission of the seller if the buyer/licensee will be collecting a commission on the purchase. The easiest place to obtain this written consent is in the purchase agreement

Real estate is a reputation business. Here are ways your associates can bolster your company’s reputation by showing respect for the public, the properties they show, and their peers.

“PATHWAYS TO PROFESSIONALISM “

Respect for the public

1. Respond promptly to inquiries and requests for information.

2. When showing an occupied home, always ring the doorbell or knock. If there’s no answer, an-

nounce yourself loudly before entering. Do the same before entering any closed room.

3. Present a professional appearance at all times. Dress appropriately and drive a clean car.

4. Be aware of and meet all deadlines.

5. Promise only what you can deliver—and keep your promises.

6. Don’t tell people what you think. Tell them what you know.

State Licensing Requirements

During the 3 year licensing cycle each agent must complete a minimum of 2 hours approved legal

coursework each year. In addition, each agent must also complete 12 hours of approved course-

work of their choice. The additional 12 hours of coursework may be completed anytime during the

3 year cycle.

**New licensees

In the first and second year of the license cycle, licenses issued on or after November 1 of the cur-

rent year do not require con ed for the current year. In the third year of the license cycle licenses

issued on or after July 1st no con ed is required.

Cycles-2010-2012 / 2013-2015 / 2016-2018 / 2019-2021 etc.

Click here for the Quadrennial Code of Ethics Training requirements

DABOR Bulletin Board

Continuing Education Requirements

DABOR Presents along with NCI and Associates 6 hours of continuing education

including 2 hours of yearly mandatory legal update. The following dates are

scheduled for 2016. Check-in for all classes is 8:30am. Class time is 9:00am-

3:30pm. Lunch is included. All students must register and pay prior to class.

No walk-ins.

2016 Con-Ed Classes

April 20, 2016

June 8, 2016

September 14, 2016

October 26, 2016

November 16, 2016

December 7, 2016 (Tentative)

Accuspect Home Inspection Co. (734) 678-0975

- Dale Raines

Adam's Cleaning Services, Inc. (313) 561-3303-

Adam Seccombe

American Home Shield (800) 800-8880 - John

M. Light

America's Preferred Home Warranty (800) 648-

5006 - Jeff Becker

Assenmacher and Associates P.C. (313) 277-

5800 - Jerome E. Assenmacher

Capital Mortgage Funding (248) 833-5163 - Sam

Mansour

Dearborn Federal Credit Union (313) 322-8239-

Peggy Richard

Dearborn Federal Savings Bank (313) 565-3100

- William White

EHomeScore.com (248) 912-5512 - Frank

Mastroianni

First American Title Insurance (734) 692-9914 -

Frank Lucarelli

Home Inspection by Pros (734) 483-3400 -

Robert Armstrong

Housemaster Inspection Services (888) 848-0202 -

Tom Rusco

Morse Moving & Storage, Inc. (734) 484-1717-John

Green

Parks Title (313) 505-6606 - Mark Jefferson

Pillar To Post, Home Inspections - (734) 427-5577-

Dave Dalfino

PNC Financial Services (734) 281-5219 - Ali Shami

PrimeLending A Plains Capital Company

(313) 274-6500 - Chuck Hage

Title One Inc. (734) 427-8006 - Bernie Youngblood

Title One Inc. (313) 561-6631 - Debbie Kudla

Title Solutions Agency, LLC (734) 259-7130 - Brad

Noblit

Venture Title Agency (313) 486-0100 - Lola Elzein

Wells Fargo Home Mortgage (515) 213-6500 - Vince

Corbin

Zeal Credit Union - (734) 466-6111 - Corrine Dye-Hale

Sun Mon Tue Wed Thu Fri Sat

1 2 3 4 Free

Education

Friday

5

6 7 8 General

Membership

Meeting

9 10 11 12

13 14 15 16 17 18 19

20 21 22 23 24 25 26

27 28 29 30 31

March 2016