1. WELCOME NEW MEMBERS
2. FROM THE PRESIDENT'S DESK
3. SMTAR SCHOLARSHIP FOUNDATION PANCAKE BREAKFAST
4. SENTRICARD BILLING UNDERWAY 
5. REMINDERS
6. UPCOMING EDUCATION
7. SYMPATHIES
8. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

• Peter Anderson - General Real Estate Services
• Alex Foreman - Realty Professionals
• David Graffius - Exit Realty King & Associates
• Brenda Jackson - Exit Realty King & Associates
• Debbie Ragsdale - General Real Estate Services
• Jane Richmond - Lampley Realty
• Cynthia Thompson - Lampley Realty
• Barton Van Bibber - Exit Realty King & Associates
• Candace Van Bibber - Exit Realty King & Associates

Happy New Year to all of you! I hope that your holidays were everything you wished for, and more!

I am very excited to have begun my term of office as your President. It is my hope that I will be able to serve you well in the year ahead.

Last year, the theme for our annual REALTOR® Celebration was “Rock Solid Throughout the Years.” I have chosen to adopt this theme for 2012 because I believe it truly illustrates where we have been, where we are, and where we hope to be in our future. We have all had a difficult time, but we have remained steadfast in our business and have continued to prepare ourselves for what lies ahead with nothing but hope and the continuation of our dreams in our hearts and minds. Our Association will stand beside you as we all push ahead and push through the challenges that we continue to face as our business recovers.  Antoine de Saint-Exupery said "a rock pile ceases to be a rock pile the moment a single man contemplates it, bearing within him the image of a cathedral."  What our industry has given us, fellow REALTORS, is a rather large rock pile that needs to be reshaped into something better than it was before.  It is the image of "what could be" within all of us that CAN make that happen.

So far this year, your leadership has met to explore the possibilities that 2012 has to offer. We are excited about the upcoming Pancake Breakfast and Golf Tournament of the Scholarship Foundation. The Pancake Breakfast will be Saturday, February 11th (details follow in this newsletter) and the Golf Tournament has been scheduled for the month of April (details will arrive as we near this event). The first General Membership Meeting of 2012 will be held on March 7th at our association office. Details about this event will be made available at a later time, as well. We are still in the planning stages of the new year, so we are not certain of all of the things in store for us in the months to come!

I am very honored to have been selected to conduct this role and to serve as one of the representatives of your voice as a member of SMTAR. Please feel free to contact me if the need arises, and I wish you all the very best of 2012.

Now, go gather up your "rocks" and build a great February!

Melissa Potts
2012 President

Celebrate Valentine's Day with us this year!  The SMTAR Scholarship Foundation, in conjunction with Applebee's of Columbia, will host a Pancake Breakfast to raise money to support the 2012 Scholarship Awards.  This event is open to the public, and we invite you to bring your friends and family.

Location:  Applebee's of Columbia (across from the Columbia Mall on James Campbell Blvd.)
Date/Time:  Saturday, February 11 from 7:30am-9:30am
Cost:  $6.00 per person

Tickets are available for purchase from the following members of the Scholarship Board of Directors:
>Jason Jent, President – 931.359.6631
>Kristin Pendergraft, Secretary-Treasurer – 931.487.0070
>Sandra Gandee – 931.388.3600
>Kerry Harris – 615.302.4242
>Bonnie Hickman – 931.388.1868
>Clay Ledford – 931.359.9393
>Fay Robinson – 931.363.7515

RealTracs has advised us that the annual Sentricard User Fee invoices will be posted to your RealTracs account on Wednesday, February 1st.  Please be aware of the following information regarding these invoices:

• Payments are DUE on March 1st.
• When you log in to RealTracs, a message will alert you that your invoice is available.  You will have the option to pay the invoice immediately or ask the system to remind you later.  Should you choose the option to be reminded later, the system will not alert you again until February 15th, or the first time you log in after February 15th.
• Failure to pay by the due date will result in termination of your Sentricard.  There are no late penalties or reinstatement fees - you simply lose this service until you pay.
• RealTracs has advised us that they are now required to charge sales tax on this service.  This will bring the total due on your Sentricard to $131.16 (for REALTORS only.) RealTracs has not
  provided the information on the exact cost for our Affiliate members who hold Sentricards.

• 2/1/2012 - Billing for Sentricards
• 2/11/2012 - Pancake Breakfast
• 3/1/2012 - Sentricard Payment Due
• 3/7/2012 - General Membership Meeting
• 3/26 - 3/28 - TAR Spring Conference
• 3/28 - REALTOR Day on the Hill
• 3/30 - Quarterly RealTracs Payment Due
• 12/31/2012 - Code of Ethics Training Due
• 1/1/2013 - Annual Membership Dues are Due

• Ethics
  Wednesday, February 15, 2012
  9:00AM - 12:00PM   -   3 Hours of CE
  This course meets the NAR Code of Ethics Requirement.  Please REGISTER HERE.
   
• OUR TRAINING SCHEDULE IS BEING FINALIZED AT THIS TIME.  MORE INFO WILL BE POSTED AS IT BECOMES AVAILABLE
   
• Online courses are available at www.SMTAR.com!

• Lollie Osborne - Mother of Ouida Hill with Maury County Realty; mother-in-law of Steve Hill, grandmother of John Hill

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
SMTAR 2012 President
Melissa Potts		931.388.3600
melissa@melissapotts.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org

1. FROM THE PRESIDENT'S DESK
2. TIME TO PAY YOUR DUES
3. BETTER BUSINES BUREAU SCAM
4. UPCOMING EDUCATION
5. GET WELLS & SYMPATHIES
6. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

I hope everyone had a Merry Christmas and made it to and from their destination safely.  This is my closing letter as President of SMTAR.

First of all, I would like to thank the Board of Directors this year for the service they have provided our association throughout the year.  Also, thanks to Rebecca Head for her hard work this year in the office, with the newsletters, and all service she provides our members each and every day. We had to make a tough decision when working with our budget this year to cut our staff resources.  As a result, Tammy Brown will not be with our Assoiciation as we begin 2012.  Tammy, thank you for your hard work keeping up the lockbox system and supporting Mary and Rebecca. You will be missed. To Mary Scott,  thanks for always making sure I know where to be and when. Thank you for all the support you have given me throughout the year

This year, business at the association has been more-than-likely similar to the struggles your company has faced with the economy. The purse strings have been pulled tight and you have been trying to squeeze every penny out to make your budgets work! Hopefully, in 2012, things will improve with the real estate market and more sales will take place.

To everyone that might have lost a friend or a family member during 2011, you will continue to be in our prayers as you continue the healing process. To our incoming President Melissa Potts, Good Luck and I look forward to serving with you in the upcoming year! To all of our Members of SMTAR, I’m wishing you & your family a Happy and Prosperous New Year! Thank you for reading and see you soon on the Real Estate Road. Now Go Sell Something!

Jason Jent
2011 SMTAR President

• Member dues are due on January 1.  The grace period for payments is through January 15th.

Members have advised SMTAR staff that a new SCAM is afoot.  Members are receiving an e-mail that appears to be from the Better Business Bureau regarding a complaint against them.  This e-mail is a whopping fake and includes a potential virus risk.  Do not click the link in the e-mail should you receive it.  More information regarding this SCAM is available at the Better Business Bureau Website.

• The 2012 Education Calendar has not been finalized.  We hope to have the standard Ethics and RealTracs course dates and classes confirmed by mid-January.  Additional courses, such as the CORE course will be added by mid-March.
  
• Ethics
  Wednesday, February 15, 2012
  9:00AM - 12:00PM   -   3 Hours of CE
  Cost is $40/FREE if you are a new member. ($5 discount if you pay by cash or check!)  Registration for this course opens mid-January.
     
• Regular RealTracs Training
  Thursday, February 16, 2012
  Two sessions available:  To Be Determined.  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes".  Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!  (Please note that the Training Calendar within the RealTracs System is for RealTracs classes only.  Regular SMTAR courses offered can be found at www.SMTAR.com.
   
• Online courses are available at www.SMTAR.com!

• The holiday season is meant to be a time of peace, love and joy.  Unfortunately, many factors may hinder this for some.  Our hearts are with all of you who might be suffering from illness, or from loss.  Know that time heals all wounds, including those of the heart, and that we send our thoughts of love and friendship to you as you heal.  May you find only warmth and kindness as you journey to wellness and closure.
  
• Sympathies:
• Jerry Haddock - husband to Sara Haddock, father of Gregory Haddock with Haddock Realty
• Waldo Rash - husband to Elaine Cooper Rash with Evers & Jones Realty
• Linda Nickens - mother of Stacy Dudley with RealTracs Solutions

IMPORTANT CONTACTS

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
Tammy Brown, Administrative Assistant	tammyb@realtracs.com
SMTAR 2011 President
Jason Jent		931.359.6631
jason@davidjentrealty.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org

1. FROM THE PRESIDENT'S DESK
2. TIME TO PAY YOUR DUES (AND OTHER NOTICES)
3. SIGN ORDINANCE
4. JUICY BITS
5. REMINDERS
6. UPCOMING EDUCATION
7. GET WELLS & SYMPATHIES
8. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

I hope everyone had a very Happy Thanksgiving and that you all are looking forward to the remainder of the holiday season.  Word on the street is that my fellow REALTORS have been working hard, and this is great news!  We have our fingers crossed that 2012 will be a great year for our business.

I am pleased to report that the annual REALTOR Celebration was a success despite the low number of reservations.  This was an extra-special event this time as it was the kick-off to our 50th Anniversary, which will occur on May 8th of 2012.  The theme for this year's celebration was "Rock Solid Throughout the Years."  In an effort to depict this theme, the Social Committee requested that photos of our Association's past be prepared and presented to those attending the event.  The result was several boards with photos and a slideshow presentation that contained over 700 pictures.  It was really great to remember the road we've travelled and the people that have been a part of our REALTOR family.  I'd like to thank the Social Committee for their work on this event.  As always, it was a special evening.  (By the way, if you would like to purchase a copy of the slideshow, a link to the order form will be provided later in this newsletter.)

I would also like to extend my thanks to those who donated funds to support the event.  Without this group of people, it would not have been possible.

Another committee that was a part of this night's festivities was the Awards Committee.  This committee was responsible for selecting the award winners from those nominated and are please to present the following award winners:

• REALTOR of the Year - Della Beyer
• Andy Akin Award - Ken Banks
• Pioneer Award - John Brown
• Student of the Year - Steve Hill (Lawrenceburg)
• Years of Service awards were also presented.  This year, there were more than 75 individuals who have hit the milestones of 5, 10, 15, 20, 25, 30, 35 or 40 years!

The primary reason for this event is to install our upcoming Board of Directors.  Your 2012 Board of Directors is:

• President - Melissa Potts
• President-Elect - Bonnie Hickman
• Secretary/Treasurer - Rebecca Thomas
• Past President - Jason Jent
• Director - Ken Banks
• Director - Robert Brindley
• Director - Jennifer Graham
• Director - Jonathan Hickerson
• Director - Monica Raines
• MLS Director - Matt Collins

I would like to wrap up this month's newsletter with my final report from our annual REALTOR Celebration.  As you all know, in June of this year a member of our Board of Directors lost her daughter in an auto accident that claimed the life of another child and injured two others who were in the same vehicle.  This loss has affected me, and other members of our Board in a way that we could not have imagined.  We (the SMTAR Board of Directors and the Scholarship Foundation Board of Directors) felt that we should find a way to remember this young lady's life and to find a way to let her mother know that we care.  The Sarah Graham Memorial Scholarship Award has been established to honor the memory of this young person, who would have been graduating in 2012.  This scholarship will be presented each year to a student graduating from Summertown High School.  It is our hope that this will be a way for the memories of Sarah to carry on for years to come and that her mother, Jennifer Graham, will find that her own grief will fade as time passes so that only those cherished memories will remain to fill her heart.

Until next month.....

Jason Jent
2011 SMTAR President

• Your favorite time of year has arrived!  Well, we're kidding about that - it's not our favorite time, either.  Dues invoices for 2012 are scheduled to pop into your e-mail boxes toward the end of the week.  They will be due on January 1st, and primary members will pay $470.  This amount reflects a $5 increase from TAR and a $40 increase from NAR.  Members who pay by December 31st may deduct a $10 discount from their payment.
• The SMTAR office will be CLOSED on the following dates for the holidays:
  • Friday, December 23
  • Monday, December 26
  • Friday, December 30
  • Monday, January 2
• If you'd like to purchase the video slideshow from our REALTOR Celebration, the cost is $15 and the deadline for ordering is December 15th.  Proceeds from sales of the cd will benefit the SMTAR Scholarship Foundation, and we will ship it right to your door.  Click here for the order form.  Due to our workload during this time of year, we will not be able to accept orders for the cd after December 15th.
• Committee Sign Up Forms must be submitted by Wednesday, November 30th.  Click here for the form.
• Your next RealTracs User Fee payment will be due by December 31st.
• As of January 1, 2012, you will no longer be able to obtain photography services for your listings from RealTracs.  The costs for this service are no longer economical for any of the parties involved.  There are 3 photographers that are making their services available in Davidson, Rutherford, Sumner, Williamson and Wilson counties.  If you did not receive the notice from RealTracs that contained the contact information for these photographers, let us know and we can provide that for you.

It has come to our attention that parts of the sign ordinance in the City of Columbia have changed since our last review of the ordinace a few years ago.  For those of you who list properties within the city limits of Columbia, please take a moment to review Article 15 of the city's zoning rules.  The most notable change is the dimensions of signs that are permitted on large tracts of property for sale (over 10 acres.)

We also recommend that you take the time to review sign requirements in the area that you normally do business.  We know that your real estate signs can be very expensive.  Violation of a locality's sign policies could result in removal of your sign and possible fines in some areas.  As you are researching, it is important to remember that a city's ordinance may be different than the ordinance for the county.  The links below will help you get started:

• Pulaski, TN, Refer to section 4.080 of Article IV of the Zoning Ordinance
• Lawrenceburg, TN Refer to section 4.080 of the Zoning Ordinance
• Fayetteville, TN Refer to section 14-508 of the Zoning Ordinance
• Columbia, TN Refer to Article 15
• Spring Hill, TN Refer to Article XVI

We were unable to locate web links for the counties of our jurisdiction regarding sign placement and usage.  We were also unable to locate information for several cities in our area.  In some cases, links indicated that information might be available, but the direct link to that information on the web did not function.  A simple web search for the city or county involved, however, should refer you to a phone number to contact for additional information.  Here are a few good rules of thumb when placing signs:

• In many cities, signs, including pointer signs placed and the end of a road or street, are required to be placed on private property and not in the city's right of way.  The Columbia Police department has advised us that the city's right of way in this city extends to just past utility poles or 5 feet from the road surface.  Be sure to obtain permission from the property owner before placing any sign on private property. 
• Generally, signs should not obstruct the view or be hazardous to those travelling along the roadway.
• If you are placing a sign larger than a standard real estate yard sign (24" x 24"), it is a good idea to verify the ordinance pertaining to that property before placing the sign.  We have received some complaints that expensive signs had to be removed because they did not conform to the dimensions specified in the applicaple zoning ordinance.

Welcome back to another edition of "Juicy Bits!"  Enjoy!

• Here's a nifty article on the pros and cons of various siding choices.  Check it out!
• Always nervous about meeting clients the first time?  Do you think that your mojo already works for you?  Maybe you should take a look at this article about first impressions.  Just as a side note: there's a section in there called "Dress and Groom Yourself Accordingly."  You're probably thinking that one is a no-brainer, but some folks do forget that a HUGE part of a first impression (or any impression) lies in the appearance of cleanliness.  If you have just manicured your lawn or run a short marathon, don't skip the showers before meeting with clients or collegues.  Pepe Le Pew says "The corned beef doesn't run away from the cabbage."  Unfortunately, most of us are more like a hot fudge sundae rather than corned beef.  We don't really combine well with cabbage.  ;-)
• Worried about whether or not you'll be able to pay your dues?  NAR's REALTOR Federal Credit Union now offers a Professional Development Line of Credit!
• Being a new REALTOR or learning about a new procedure in handling a transaction can be tough.  No one wants to look like a rookie.  First of all, recognize that it is ok to not have all the answers as long as you know what resources you have to help you out.  Then, go read this article.
• It's hard to manage your to-do list in the midst of the holiday season.  Learn about the 3+2 Rule so that you can breeze through the season!

• Ethics
  Wednesday, December 21, 2011
  9:00AM - 12:00PM   -   3 Hours of CE
  Cost is $40/FREE if you are a new member. ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• RealTracs 1
  Wednesday, December 21, 2011
  12:30AM - 3:30PM   -   3 Hours of CE
  Cost is FREE, but you must have an MLS User ID to attend.  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes". Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!
   
• Regular RealTracs Training
  Thursday, December 21, 2011
  Two sessions available: RealTracs Plus (2 hours CE) and Tax 1 (2 hours CE).  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes".  Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!  (Please note that the Training Calendar within the RealTracs System is for RealTracs classes only.  Regular SMTAR courses offered can be found at www.SMTAR.com.
   
• Online courses are available at www.SMTAR.com!

• The holiday season is meant to be a time of peace, love and joy.  Unfortunately, many factors may hinder this for some.  Our hearts are with all of you who might be suffering from illness, or from loss.  Know that time heals all wounds, including those of the heart, and that we send our thoughts of love and friendship to you as you heal.  May you find only warmth and kindness as you journey to wellness and closure.

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
Tammy Brown, Administrative Assistant	tammyb@realtracs.com
SMTAR 2011 President
Jason Jent		931.359.6631
jason@davidjentrealty.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org

1. WELCOME NEW MEMBERS
2. FROM THE PRESIDENT'S DESK
3. ANNUAL MEMBERSHIP DUES 
4. JUICY BITS
5. REMINDERS
6. UPCOMING EDUCATION
7. GET WELLS
8. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

• There are no new REALTOR members for the month of October.

I hope everyone has had a great October!  SMTAR is getting ready to celebrate your accomplishments for 2011, and we are looking forward to installing our Officers and Directors for 2012 at the annual REALTOR Celebration on November 19th.  The Awards Committee has just met and made their selections for this year's special awards.  If you'd like to know whether or not you were selected for an award, please be sure to buy your ticket for this event this week.  If you're just curious about who won the awards, join us to find out first-hand!

I just want to let everyone know that the National Association of REALTORS is still fighting to keep the Mortgage Interest Deduction in place.  This may be a long battle, but it is one that we hope will result in your voice being heard.

At this time, much of our attention has shifted to preparing the Association for the new year and wrapping up the loose ends from 2011.  I'll see you next month with new from the REALTOR Celebration!

Jason Jent
2011 SMTAR President

It is time, once again, for the association to prepare for the annual billing of your membership dues.  Our Finance Committee and Board of Directors has not yet finalized the Local Dues for our association.  We will bring this information to you as soon as we are aware of the pricing.  Please remember that you may prepay your dues at any time between now and the bill date.  You annual dues are required to be paid in full by January 1, 2012.  We do prefer that you make any payments in, at least, $50 increments.  As a reminder, members who do not pay their dues by January 15th will be deleted from membership and an invoice for their dues will be sent to their principle broker.

SMTAR staff are currently evaluating an e-Commerce dues billing solution offered by the National Association of REALTORS.  In the weeks ahead, we will determine if dues invoices will be sent out from this service, or if we will send the invoices via our in-house invoicing system.  You will be notified by e-mail of what to expect when the decision is made.  In the event that we send invoices using the new e-Commerce solution, we will need an updated e-mail address for you in the National REALTOR Database.  Please take a moment to ensure the e-mail address on file in NRDS is correct.  The instructions for doing this are below:

1. Visit www.REALTOR.org.
2. Click on "My Account" in the upper right area of the page.
3. Enter your REALTOR.org user name and password.  If you have not yet registered with REALTOR.org, you will need to click the "Click here to register" link to do so.
4. Click the "View/Update your e-mail address and subscriptions" link
5. Verify or change your e-mail address.  *****Please note!  Changing this e-mail address for receipt of e-Commerce invoices will also change the address used by TAR Forms.*****
6. If you typed in a new e-mail address, just hit "Enter" to save the changes.

Welcome back to another edition of "Juicy Bits!"  Enjoy!

• There's a new app available on Facebook to help you connect to others!  N-Play's Real Estate Agent Directory is one more way for you to advertise.  We've added the "Find an Agent" link to our Facebook page, but there aren't any agents registered in our area.  Sign up and get your name out there!
• Here are some tips on How to Look Amazing in Photographs.
• We've heard of a lot of ways to save money in today's economy, but this one takes the cake - or maybe it takes jelly.  We're not really sure.  You be the judge.
• We know everyone is busy and that networking is a vital part of our business.  This article, however, made an interesting point:  "Why You Shouldn't Ask a Busy Person to a Business Lunch"
• This in info that you all probably already know, but here's an article with some quick insight into Why Most Real Estate For Sale By Owners Fail.  We thought it might make a good reference article for those of you who commonly call on FSBO's.

• REALTOR Celebration Tickets ON SALE NOW!  $35 Order your tickets before Friday, November 4th.
• REALTOR Celebration - Saturday, November 19th. 
• Annual dues invoices will be e-mailed on or about December 1st.

• Ethics, Energy & Efficacious Behavior *****VIDEO COURSE*****
  Wednesday, December 21, 2011
  9:00AM - 12:00PM   -   NO CE CREDIT.
  This is a FREE course.  This course meets the NAR Code of Ethics Requirement.  Please REGISTER HERE.
   
• RealTracs 1
  Wednesday, December 21, 2011
  12:30AM - 3:30PM   -   3 Hours of CE
  Cost is FREE, but you must have an MLS User ID to attend.  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes". Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take! 
   
• Regular RealTracs Training
  Thursday, December 22, 2011
  Two sessions available: RealTracs 2 (2 hours CE) and RealTracs Mobile (NO CE).  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes".  Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!  (Please note that the Training Calendar within the RealTracs System is for RealTracs classes only.  Regular SMTAR courses offered can be found at www.SMTAR.com.
   
• Online courses are available at www.SMTAR.com!

• Get Wells go to:
  • George Hutton with Homefront Realty
  • Rosemary Everett with Real Estate Services

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
Tammy Brown, Administrative Assistant	tammyb@realtracs.com
SMTAR 2011 President
Jason Jent		931.359.6631
jason@davidjentrealty.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org

1. WELCOME NEW MEMBERS
2. FROM THE PRESIDENT'S DESK
3. TOOLS OF THE TRADE
4. HOMEBUYERS ARE CHANGING.  ARE YOU?
5. CARRYOVER CLAUSES CAUSING PAUSES
6. JUICY BITS
7. REMINDERS
8. UPCOMING EDUCATION
9. GET WELLS & SYMPATHIES
10. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

• Bob Parks - Bob Parks Realty, Franklin, TN

I am very excited to announce that it is almost time for our annual REALTOR Celebration!!  This will be the 33rd annual event, and we are going to prove that we are "ROCK SOLID Throughout the Years."  The Social Committee has been working on some very special things for this event.  This year, the Celebration will also be the kickoff to SMTAR's 50th Anniversary that is coming up next year.  What a great accomplishment!  The Celebration will be held Saturday, November 19th at the UAW Banquet Hall in Spring Hill and tickets are on sale now for $35 each.  Be sure to reserve your seat for this great event, where we will install the 2012 Board of Directors and present our special awards.

Each year, SMTAR REALTORS are acknowledged for their service to SMTAR at the REALTOR Celebration.  We have just made the call for nominations for our special awards, so don't forget to submit nominations by October 13th.  Here is a list of the awards and what they are all about:

• The REALTOR of the Year is selected based on REALTOR spirit (30%); business accomplishments (30%); service to the local and/or state associations (25%); and their service to their community (15%).  Please note that this award is NOT based on sales volume.
• The Andy Akin Distinguished Service Award is presented in recognition of dedicated service and outstanding contributions to our Board of REALTORS.  The nominee should be someone who upholds the Code of Ethics, shows integrity, has a good working knowledge of real estate, is cooperative with others and always displays a professional image.
• The Student of the Year is presented to the member who has accumulated the most real estate related educational hours between September 15th, 2010 and September 15, 2011.  For this award, only nominations from the nominee's Principle Broker are considered, and the hours must be verifiable.
• The Pioneer Award is given to someone who shows true leadership quality and helps to pave the way for all members to enjoy success in our profession.  This award is not annual and is given at the discretion of the Awards Committee.
• The Career Achievement Award is given in recognition of superior achievement in real estate.  This award is not annual and is given at the discretion of the Awards Committee.
• Be sure to send your nominations in on time!  Don't let your deserving collegues go unnoticed!

Special congratulations are in order for SMTAR member, Steve Hill with Re/Max Pros of Lawrenceburg.  Steve was just awarded the GRI Student of the Year award at the TAR Convention in Savannah.

Before I go, I'd like to say a quick "Thank You" to all of those who became an RPAC 99'er this year.  We did not win the RPAC trophy for our Association size, but we placed well and met our RPAC Fair Share Goal for 2011.

That's all there is for now, see you next month!

Jason Jent
2011 SMTAR President

Based on low numbers at the recent TAR Convention in Savannah, we know that most of you missed out on some great information.  Our Association Executive, Mary Scott, would like to share some great FREE tools with you that she learned of at the convention:

• Have trouble keeping your electronic files available wherever you go?  Consider Dropbox.  More information can be found at http://www.DropBox.com.
• Need to remind yourself to do something later?  Would you like to send yourself a text message as a reminder?  Consider these options:
  • Google Calendar - Google Calendar is a great way to keep up with your appointments.  You can set up reminders to be sent by e-mail or by text to your cell phone, and your calendar can be shared.
  • OhDontForget.com - This free tool lets you quickly type in a text to be sent at a later time.  It is a great way to remind yourself, or someone else, about something important.  The free service contains ads for the OhDontForget website, but a lot more features (such as recurring appointments) can be purchased for just $4.95 a month.
• Speaking of Google, you can also share documents with others, or create new documents using Google Docs.
• Do you always seem to get pictures from clients or vendors in some format that you are unable to open (such as .png or .gif)?  Convert it!  http://www.rsizr.com will allow you to open an image and convert it to a .jpg file with ease. PLUS, you can crop and resize the photo!
• Need to hold an online meeting, but don't want to spend the green stuff?  Try www.AnyMeeting.com!  This free service allows you to meet with up to 200 attendees and has tons of features to help you conduct a professional meeting.

We've got more great tools for you!  Just check back with us next month!

NAR's recent publication of "Global Perspectives," a newsletter that takes a deeper look into the global real estate market and lifestyle, highlighted some interesting statistics regarding today's homebuyer.  According to the 2010 U.S. Census, minority populations are growing at a much-faster rate than the general population.  This population growth, combined with other interesting statistics regarding income and age of those minority groups, might indicate that the face of the average homebuyer will include a greater mix of ethnicity than it has in the past.  Of particular interest are the increases in the Asian and Hispanic populations throughout the U.S.  What does this mean for you?  Well, with a greater mix of ethnicity, licensees will need to expand their working knowledge of how the various cultures work.  Right now, the majority of real estate agents in the U.S. deal predominantly with American buyers.  While there is a great mix of culture within our own country, many of those have adopted the traditional, American way of life.  Because of this, little difference may be noticed from one buyer to the next when it comes to housing.  However, many families, from other countries, that now live in the U.S. are still deeply connected with the way of life of their culture.  These groups may have very different requirements for homes than the average American.  According to the "Global Perspectives," Asian and Hispanic families often house several generations within their home.  Additionally, some families' religious beliefs may play a factor in which home they consider for purchase.  The true challenge that REALTORS across the nation face is to be able to anticipate and respectfully honor homebuying traditions of their cultural clients, while at the same time following Fair Housing Laws and providing equal service to all groups.  This all boils down to taking the time to understand the actual needs of your clients before you begin suggesting properties to them. 

You may be interested to know that the growth rate of various ethnicities in the Southern Middle Tennessee area is much slower than the rate of the nation.  This does not mean that things are not changing.  As the perspectives of homeowners of the nation change, so does the way the real estate industry works.  To stay on top of things, it is important to remember that it is the homeowner that drives our business.  We must adapt to their needs rather than have them adapt to ours.

If you are taking on a listing that was previously listed with another company, it would be a good idea to have your seller review their previous listing contract to see if a carryover clause was included.  A carryover clause provides that the brokering company is still entitled to a commission if the property is sold after expiration.  Usually, the clause indicates a specific amount of time, and will state that the commission is applicable if the property is sold to a prospect of the original broker.  However, it is important to remember that real estate contracts may vary from company to company and that each contract should be treated as unique.  The carryover clause is often missed by sellers who are then surprised to learn that they may owe a commission, even if they have changed listing agents and their listing contract with a previous company has expired.

Not only should you encourage sellers to review their listing contracts with previous companies, but you should also ensure that you are explaining the carryover clause to all those who list properties with you.

Welcome back to another edition of "Juicy Bits!"  Enjoy!

• Last month we did an article on the REALTOR image.  If you were the curious one to type in "REALTORs are.." on a Google search, then try typing in other professions ("doctors are," for example) to see how you compare.
• Been wondering what to do with all of the manuals, cables, and other stuff that comes with computer or other electronic equipment?  Lifehacker has a great article for you!
• REALTORS use printers.  Try this:  "How Can I Make My Inkjet Printer Suck Less and Print Better?"
• This is a stroke of genius!  We wish we'd thought of it.  Learn how to "Filter Unwanted Email Ads by Filtering the Word 'Unsubscribe'"

• Quarterly RealTracs payments are now past-due.  If you are unable to log in to RealTracs, it may be because you forgot to pay by September 30th!
• Wednesday, October 3 - General Membership Meeting in Pulaski
• REALTOR Celebration Tickets ON SALE NOW!  $35
• 2011 Governor's Housing Summit is coming up October 17 & 18 at the Franklin Marriott Cool Springs
• REALTOR Celebration - Saturday, November 19th. 

• CORE 11/12
  Thursday, October 12, 2011
  9:00AM - 3:30PM   -   6 Hours of CE
  Cost is $50.  ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• Ethics
  Wednesday, October 19, 2011
  9:00AM - 12:00PM   -   3 Hours of CE
  Cost is $40/FREE if you are a new member. ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• RealTracs 1
  Wednesday, October 19, 2011
  12:30AM - 3:30PM   -   3 Hours of CE
  Cost is FREE, but you must have an MLS User ID to attend.  Please REGISTER HERE.
   
• Regular RealTracs Training
  Thursday, October 20, 2011
  Two sessions available: RealTracs 2 (2 hours CE) and RealTracs Mobile (NO CE).  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes".  Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!  (Please note that the Training Calendar within the RealTracs System is for RealTracs classes only.  Regular SMTAR courses offered can be found at www.SMTAR.com.
   
• Online courses are available at www.SMTAR.com!

• Get Wells go to:
  • All of those who need it!  Hope you feel better if you're ailing!
    
• Sympathies for:
  • Janie Shelton West - mother of Debra Griggs, mother-in-law of Steve Griggs, with Elk Valley Properties in Fayetteville

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
Tammy Brown, Administrative Assistant	tammyb@realtracs.com
SMTAR 2011 President
Jason Jent		931.359.6631
jason@davidjentrealty.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org

1. WELCOME NEW MEMBERS
2. FROM THE PRESIDENT'S DESK
3. KEEPING THE REALTOR ATTITUDE IN CHECK
4. COMING NEXT MONTH
5. NEW FTC RULE THAT MAY AFFECT YOU
6. JUICY BITS
7. REMINDERS
8. UPCOMING EDUCATION
9. GET WELLS & SYMPATHIES
10. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

• Leigh Gillig - Keller Williams Realty, Spring Hill, TN
• Robert Pogue - Town & Country REALTORS, Columbia, TN

Well, the month of August has come and gone, and I am reminded that change is on its way.  Not only is it time for a change of seasons, but it is also just about time for the changing of the guard at SMTAR.  I was reminded of this at our General Membership Meeting at the beginning of the month.  At this meeting, your new Officers and Directors for 2012 were elected.  I'd like to welcome them to their leadership roles!  Congratulations to:

• Bonnie Hickman - President-Elect
• Rebecca Thomas - Secretary/Treasurer
• Ken Banks - Director (3 years)
• Jonathan Hickerson - Director (3 years)

Melissa Potts, who has served on the Board of Directors and on several committees, will be your President for 2012.  Jennifer Graham, Robert Brindley, and Monica Raines will return to complete their terms.  And, of course, I will come back for one more year as Past-President.  We hope we can serve you well as we move into the new year.

Also at this General Membership Meeting:  Scholarship awards were presented!  As we struggle to stay afloat in the rip tide of our economy, these bright, young people are stepping forward with a hopeful heart and eyes toward the future.  We hope that our contribution toward their education will make a difference in their road ahead.  Congratulations to all:

• Kayla Davis - Columbia Central High
• Meredith Mize - Giles County High
• Sean Palfy - Summertown High
• Tiffany Simbeck - Lorretto High
• Sabrina Smithson - Santa Fe High
• Samantha Smithson - Santa Fe High
• Dilon Strasser - Forrest High
• Mackenzy White - Richland High
• Rachel Zajac - Marshall County High

If you have a second, stop by our Facebook Page to see the pictures from this meeting (including pictures of our scholarship winners!)

I'd like to extend my personal thanks to Rex Brown, TAR Division 2 VP, for providing more information regarding the upcoming Dues Increase and the Broker Involvement Program.  Our next General Membership Meeting will be held October 5th in Pulaski, and it is also time to Rock Solid (Throughout the Years) at our REALTOR Celebration on November 19th.  I hope to see you all at these upcoming events.

There are a couple of pretty important items of discussion on the minds of our Congressional leaders in the month ahead:  FHA Loan Limits & the National Flood Insurance Program.  It doesn't look as though FHA Loan Limits are changing in the SMTAR region (Giles, Lawrence, Lewis, Lincoln, Marshall, Maury, Perry & Wayne Counties), but they ARE dropping in areas around us, where many of us do business.  The Flood Insurance Program is a must-have, as well, considering the constant flood issues that we face throughout our great state.  Homeowners and homebuyers need to feel secure, and Congress has the means to do something to help.  We have the voice that is needed to encourage Congress to take the right action, and I encourage each of you to let them know how you feel (before September 7th!)

Labor Day weekend is upon us!  I hope that each of you enjoy some quality time away from your business, whether it is for an hour or a few days.  We've all been working hard to make things work, and I think we all deserve a break!

That's all there is for now, see you next month!

Jason Jent
2011 SMTAR President

Want to know how people see the average REALTOR?  Here's a simple illustration:  go to Google.com and type "REALTORS are" in the search bar.  You may be surprised at what pops up in the search suggestion list, and what pops up in the first set of search results.  Here's a list of the results that we got:

• REALTORS are:
  • scum
  • useless
  • crooks
  • a joke
  • overpaid
• And the search results:
  • "ALL REALTORS SUCK......"
  • "Blood sucking scumbag agents...."
  • "Real Estate Agents vs. Used Car Salesmen...."

Well, this is not what we would hope to see.  Words like "awesome, geniuses, superheros" should describe those who hold the key to homeownership, not "scum" and the like.  What happened?  How is it that the world sees you this way?  The obvious answer is that there have been a few "bad eggs" out there making things worse for everyone else.  While this may be the case, even the "good eggs" may be out there contributing to this opinion without even realizing it.  Consider the age-old argument over the consumption of alcohol.  One group of people feels that consumption of alcohol at dinner is acceptable.  Another group of people feels that consumption of alcohol at any time is unacceptible.  Now, put a group of REALTORS in the seat of those consuming the alcohol, and put a few members of the general public in the seat of those who are against consumption.  What do you think would be the opinion of those members of the public as they look upon the REALTORS?  If you let your imagination run wild with that question, you can bet that you are on the right track.  If you can think it, someone somewhere has, as well.  That someone, may opt not to use a REALTOR for this simple conflicting point of view, and they may go and tell friends of how they viewed the scene.  As you know, stories such as this grow exponentially and often to epic proportions.

There is not a whole lot that you can do about how the public sees you as you go about your everyday task of living.  In the scenario above, as in many of the scenarios you get into each day, there will be at least one person for and one person against whatever you might be doing.  As long as this is the case, there are still people out ther for you to do business with.  REALTORS are as diverse in attitude as are members of the general public.  With that said, though, there ARE a few things that you could be doing in the eyes of the general public that could cause you, and the industry, more headaches.  We are talking about what the public sees as the REALTOR ATTITUDE.  This is not your INDIVIDUAL attitude.  Instead, it is the attitude that the general masses anticipate from all REALTORS.  We'd like to help you in putting your best foot forward out there with the some tips to keep your REALTOR Attitude in check:

• Remember that not everyone is a REALTOR and make sure that your clients know this.  The term REALTOR is often used to describe anyone who lists and sells real estate.  This is incorrect.  Only members of the National Association of REALTORS can use the term "REALTOR".  You are required to adhere to a Code of Ethics IN ADDITION to state and federal law.  You have access to a wide variety of services that make you a better professional.  You should not allow yourself to jumbled up in the public eye with those who do not have these resources.
• Any time that two or more REALTORS are gathered, it could give the impression of being a "REALTOR Function".  This could be a bona fide meeting or education session, or it could be a handful of you having lunch at a local restaurant.  It is in these situations that you are vulnerable to scrutiny from both your peers and members of the public.  Any discussion that you have with a group (2 or more) of REALTORS can give the perception that what is discussed is the general "REALTOR Attitude." 
• When REALTORS are gathered, whether formally or informally, there are several topics that should be avoided:
  • Anything that might violated antitrus laws such as discussions of price, refusals to deal
  • Commissions, unless actually negotiating the commission with an agent in a transaction; discussion of commissions among REALTORS can give the impression of "price fixing"
  • Statements or discussions about a protected class.
    • Fair Housing Law protects members of the public from discrimination based on race, color, national origin, religion, sex, familial status or handicap.
    • Tennessee Law protects members of the public from discrimination based on race, creed, color, religion, sex, age, or national origin ~ Tenn. Code Ann. § 4-21-101  (2011)
    • Article 10 of the REALTOR Code of Ethics states that "REALTORS shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, national origin, or sexual orientation."
    • IMPORTANT!  Your E & O insurance may not cover you in a lawsuit filed on the basis of discrimination!  Many SMTAR use RICE INSURANCE.  Discrimination is one of the categories EXCLUDED from coverage in their basic policy package.  Their sample policy states that "This insurance does not apply to any claim alleging, arising from, or related to:...  discrimination on the basis of race, color, creed, national origin, sex, religion, age, sexual preference, marital status, any mental or physical handicap or disease or any other unlawful discrimination category;"  [Section VI. (I)]  It is important, regardless of the company you have purchased your policy from, to check your policy for any exclusions regarding protected classes.  In some cases, it MAY be possible to purchase an additional rider that would provide coverage in these types of lawsuits, but full coverage may not be available with some riders.
• Lawsuits can arise from the simplest of infractions.  (Anyone remember the lawsuit over the hot coffee spilled in the lap of a customer in the drive-through at a popular fast food chain?)  The greatest price paid in any lawsuit is the "worry-time" involved in preparation for the case, especially those that involve discrimination complaints.  This "worry-time" will take away from your regular business and could cost you clients, even if your actions are later proven to be "in the right."  The eyes and ears of the general public are less-tolerant of actions that are construed as discriminatory, and each and every REALTOR should be aware of this.  Additionally, some lawsuits involving real estate transactions can result in "treble-damages".  This means, that you'd pay three times as much as the actual damages, and your E & O policy may not cover any part of that.  How silly would it be to find yourself in a lawsuit after a seemingly innocent discussion over lunch?

We cannot control every thing we do out there.  We do, however, have a duty in our profession to ensure that the integrity of our business is at the forefront of our thoughts at all times.  Due to the amount of advertising you do, and the great number of people that you must interact with in an average transaction, it is very likely that someone is taking note of what you are up to, no matter where you are.  Be careful out there!

NAR has recently published a newsletter that takes a closer look at how the demographic groups in our country are changing, and how this might affect how we do business in the years ahead.  Next mont, we'll take a look at how your Southern Middle Tennessee Region stacks up against the national statistics and the things that YOU can do to keep up with the challenges presented by the changing "face" of the American homebuyer.

The Federal Trade Commission has issued the Mortgage Acts and Practices - Advertising rule that went into effect on August 19th.  If you often provide information to your clients about a specifc lender, this may affect you.  Principle brokers should also be aware of this policy as they will be affected if they, or any agent in their office, provides such information.  This Rule will protect consumers from misrepresentation in the information provided, and also establishes a record-keeping requirement for those who do provide this information.  To find out more, please visit the NAR website.  (Please note that you will be required to log in to REALTOR.org to view this information.)

We're trying out a new section for our newsletter!  Each month, we're finding more and more articles that could make your life easier, might just give you a giggle, or are simpley "must reads".  We thought we'd share them with you here!  Let us know what you think!~

• In September's REALTOR Magazine:
  • "Photo Sharing Done Right"
  • "Eyes Wide Open - in Gratitude"
  • "It's the Customer, Stupid"
  • "16 Ways to Get Kids on Your Side"
  • September is REALTOR Safety Month:  Check out "How to Use Your Smartphone as a Weapon"
• Your business requires networking, and lots of it.  Need conversation starters?  Why not "Ask a Dumb Question to Spark a Conversation with a Stranger"? [Source:  Lifehacker]
• People will go to any lengths to make their listing photos look.....er....."good."  Can you tell that these images are "shopped?" (Photoshopped or edited.)
• Did you know the most bathrooms per bedroom are in the state of Florida?  Tennessee didn't make the top 50.  Trulia has compile these Fun Facts for your enjoyment!
• CNN Money says that Buying is Cheaper than Renting in Most U.S. Cities.  Great news, now show us the money!

• The SMTAR Office is CLOSED Monday, September 5th
• The next General Membership Meeting is Wednesday, October 5

• Lunch & Learn with Brian Smith September 7th CANCELLED due to low interest 
  
• Short Sales and Foreclosures
  Thursday, September 22, 2011
  9:00AM - 3:30PM - 6 Hours of CE
  Cost is $99 (Discount NOT available.) Please REGISTER HERE.
  ***This is an ABR elective! You can also obtain the SFR Certification by completing this class and sending an application plus $175 to REBAC!
  
• CORE 11/12
  Thursday, October 12, 2011
  9:00AM - 3:30PM   -   6 Hours of CE
  Cost is $50.  ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• Ethics
  Wednesday, October 19, 2011
  9:00AM - 12:00PM   -   3 Hours of CE
  Cost is $40/FREE if you are a new member. ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• RealTracs 1
  Wednesday, October 19, 2011
  12:30AM - 3:30PM   -   3 Hours of CE
  Cost is FREE, but you must have an MLS User ID to attend.  Please REGISTER HERE.
   
• Regular RealTracs Training
  Thursday, October 20, 2011
  Two sessions available: RealTracs 2 (2 hours CE) and RealTracs Mobile (NO CE).  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes".  Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!  (Please note that the Training Calendar within the RealTracs System is for RealTracs classes only.  Regular SMTAR courses offered can be found at www.SMTAR.com.
   
• Online courses are available at www.SMTAR.com!

• Get Wells go to:
  • Sidney Massey - daughter of Mary Beth Monahan with Crye-Leike REALTORS.  Sidney is recovering from injuries sustained in an auto accident last month.
  • Rosemary Everett - with Real Estate Services.  Rosemary is recovering from a medical procedure to correct a complication from a previous surgery.
    
• Sympathies for:
  • Timothy Chesnut - nephew of Della Beyer with Grover Collins Real Estate
  • Diane Smith - mother of Kim Buchanan with Exit Realty King and Associates
  • Floy Hines - mother of Jean Malone, office manager at BMA Properties
  • Larry Jones - husband of Marcella Jones with United Country Columbia Realty

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
Tammy Brown, Administrative Assistant	tammyb@realtracs.com
SMTAR 2011 President
Jason Jent		931.359.6631
jason@davidjentrealty.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org

1. WELCOME NEW MEMBERS
2. FROM THE PRESIDENT'S DESK
3. MORE ON MARS
4. CRAIGSLIST SCAM HITS HOME
5. FLOOD INSURANCE ROLLING ALONG
6. NEW DESIGNATION OPPORTUNITY
7. SPECIAL THDA NEWS RELEASE 
8. REMINDERS
9. UPCOMING EDUCATION
10. GET WELLS & SYMPATHIES
11. IMPORTANT CONTACTS

If you received this newsletter by e-mail and would like to be removed from our mail list, please reply to the e-mail with the word "REMOVE" in the subject line.  You will receive a confirmation of removal.

Need some statistics?  Find them on our website by visiting www.SMTAR.com and clicking on "News".

• Gina Nigro-Cone - Progressive Realty, Columbia, TN

I hope everyone is having a great summer and that your July 4th events were a lot of fun.  It has been business as usual, for the most part, at your REALTOR Association, but I do have a few things to let you know about this month.

First of all, the annual Election of Officers and Directors is coming up in Lewisburg on Wednesday, August 3rd.  I hope you will come and join us for a good lunch and an update from Rex Brown, the TAR Division II Vice President.  While you're there, you'll be able to cast your ballot for the 2012 SMTAR Officers and Directors.  This is an important member event and a great opportunity to network with your fellow REALTORS.

Next, major accomplishments have been made recently in two areas that concern our profession:  the Mortgage Assistance Relief Services (MARS) Rule and the National Flood Insurance Program (NFIP).  Thanks to everyone out there who has taken the time to respond to NAR's Calls to Action regarding these items.  This is proof that we can make things happen if we just take action - even if it is just a small action.  (More information about these accomplishments can be found later in this newsletter.)

Finally, I wanted to let everyone know that I've recently had the opportunity to meet our association's account representative from Sentrilock, Nate Winston. He was in the area assisting with a project that involved a small number of our members, and many of you may have met him through the techinical support line for Sentrilock.  It was great to be able to make a direct connection with a company that is such an integral part of our business.  He tells us that Sentrilock is working every day to improve upon the product that they currently have and to add new services that will benefit you in the future.

That's all there is for now, see you next month!

Jason Jent
2011 SMTAR President

The Mortgage Assistance Relief Services (MARS) Rule was put in place in 2010 by the Federal Trade Commission (FTC) to combat scams against homeowners who have been faced with foreclosure due to the drastic changes in our economy.  Those in this situation have a few alternatives to foreclosure available, and will seek them out in their time of need.  It is here that scammers will attempt to steal homeowners' money by asking a fee for their service, such as a loan modification or short sale, but not actually providing that service.  Thus, those homeowners were left out in the cold.  The MARS Rule establishes a set of procedures that are intended to protect the homeowner in these cases and ensure that those who are providing the services are legitimate.  It requires that several disclosures be made to the homeowner and establishes a specific (and somewhat cumbersome) set of record-keeping requirements.  While this is a great thing for homeowners, and is something that is integral to their survival in this economy, the way the rule was written, REALTORS were also required to comply when working through a short sale transaction with their client.  This would have been extremely difficult.

Blast off, NAR.  Just this month, the FTC has opted, at the urging of NAR, to exclude real estate professionals from many provisions of their rule.  Remember, they still have to protect the homeowner, so you'll still have to comply with part of the rule.  Any agent who participates, or thinks they may participate in a short sale transaction should ensure that they are aware of the rule and what they need to do to comply with it.  It is extrememly important to note that the FTC will enforce the "misrepresentation" provisions of the rule.  Misrepresentation has always been one of the top complaints at the Tennessee Real Estate Commission, and one of the top claims filed with E & O Insurance providers.  It is no surprise that it is a top concern of the FTC in this rule.

To help you get an understanding of what is going on with this rule, NAR has established a set of Questions and Answers that should provide some clarity.  (You will need to log in to the NAR website to access this info.)  You may also be interested in The MARS Topic @ NAR.

Imagine minding your own business, making calls, preparing listing agreements and contracts - then imagine receiving a phone call from someone interested in your listing.  Sounds great, right?  Well, what if they are interested in your listing because they saw it for rent on Craigslist.com at a rock-bottom price?  Not so good, especially if you can confirm with the seller that they did not place an ad on Craigslist, nor did they intend to rent their property out when they listed it to you.

We've heard of this scam.  It's not new.  It has happened all across the US and there have been a handful of instances of this sort of thing happening here in Tennessee.  Now, though, it has happened right in our home territory in Columbia.  It goes something like this:  the "offender" or "mean, awful person" copies the images from your website or one of the many websites to which your listings are syndicated (i.e. Trulia, Zillow, REALTOR.com, etc.)  Then, they simply create a new listing on Craigslist in the area where the property is located and wait for the calls or e-mails to start rolling in.  They will provide interested parties with a rental application or lease agreement, and a "letter of authenticity" explaining why the property is for rent and why they are, unfortunately, out of the country and unable to meet them in person.  Unsuspecting renters will send in a security deposit, along with their financial information on the application.  Many times, the scam stops there and the scammer moves on to the next guy or the next scheme.  Sometimes, though, the renter's identity may be stolen, or worse.  In cases here in Tennessee, the renters have showed up to move in to the home only to find that someone (gasp...the homeowner!) is already living there.

So, how can you protect yourself and your clients from this type of fraud?  Well, THAT is nearly impossible.  Education and vigilance are the key.  Don't assume that it won't happen to you.  Maybe these tips will help:

1. Scammers are particularly interested in empty homes and will look for images that depict a vacant property.  Staging a home with furniture for your advertising photos may be a way to combat this issue.
2. Ensure that your web advertisings for your listings are removed in a timely manner.  Keep in mind, however, that there are some sites that you can't control.  Those sites that receive listing content via syndication from RealTracs may take a little time to update.
3. Educate your homeowners and get them involved in the process.  Encourage your tech-savvy clients to visit Craigslist regularly to do a quick search on their listing just to be sure it's not there.  Other sites have been used, but Craiglist is the most common.  For those clients who are not tech-savvy but willing to learn, take a moment to show them the ropes.
4. Make sure that you and your sellers know how to handle the situation should this happen to them.  Remember, those who are trying to rent are also victims in this scheme.  Should they call you or show up on the property, they are not likely to be happy to learn that they have just lost money - and may not have a place to live.  You and your sellers should attempt to remain calm and be prepared to contact the police should the situation get out of hand.
5. If you are assisting someone with relocating to another area, it is wise to attempt to verify that the individual on the other end of the deal is either the homeowner or authorized rental management company.  Often, if you simply ask if that person is the legal homeowner, they'll either answer your question, dodge your question or hang up on you.  Obviously, those who answer the question are more likely to be telling the truth.
6. Report any instances of this occurring with properties you list to your local authorities.  It is fraud and could place your clients in harm's way.

Earlier this month, the House voted to extend the National Flood Insurance Program for another 5 years.  For anyone living in a flood zone, this is relieving news, but for those trying to sell homes in a flood zone, it's even better.  And, yes, REALTORS were heard in this decision, as well.  In fact, NAR was there to testify in person before the House Financial Services Committee on Insurance, Housing, and Community Opportunity.  (Well, it was a representative of NAR, but you get the idea.)

SMTAR will be offering members the opportunity to take the Short Sales and Foreclosure course!  The course will help you better-understand how to work through these types of transactions.  Not only is it an ABR elective, but you can also earn the SFR Certification by submitting an application and additional fee!  The course is approved for 6 hours of TREC credit and the cost is $99.  Register now!

The Tennessee Housing Development Agency (THDA) wants to make everyone aware of "Keep My Tennessee Home - Tennessee's Hardest Hit Fund" program that is now available to assist certain homeowners who are unable to make their house payments and are in danger of foreclosure.  More information can be found HERE.

• Friday, July 29th - last day to register for the TAR Convention and receive early bird pricing.  The Convention is scheduled for September 13-17 in Savannah, GA.
• Monday, August 1st is the deadline to make your reservation for the August General Membership Meeting and Election - give us a call at 931-381-5556!
• Tuesday, August 2nd is the last day that members can send in absentee ballots to vote for the 2012 Officers and Directors.  Only those members who will not be attending the General Membership Meeting should vote by absentee ballot.
• Wednesday, August 3rd - General Membership Meeting in Lewisburg

• Successfully Selling HUD Homes
  Wednesday, August 10, 2011
  9:00AM - 12:00PM   -   3 Hours of CE
  Cost is FREE.  Please REGISTER HERE.
   
• CORE 11/12
  Thursday, August 11, 2011
  9:00AM - 3:30PM   -   6 Hours of CE
  Cost is $50.  ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• Ethics
  Wednesday, August 17, 2011
  9:00AM - 12:00PM   -   3 Hours of CE
  Cost is $40/FREE if you are a new member. ($5 discount if you pay by cash or check!)  Please REGISTER HERE.
   
• RealTracs 1
  Wednesday, August 17, 2011
  12:30AM - 3:30PM   -   3 Hours of CE
  Cost is FREE, but you must have an MLS User ID to attend.  Please REGISTER HERE.
   
• Regular RealTracs Training
  Thursday, August 18, 2011
  Two sessions available:  Tax 1 and RealTracs Mapping.  To register, log in to RealTracs.net, click on "Member Info" and then "Training Classes".  Look for "Southern Middle TN" in the location column and click on the "Register" link beside the courses you'd like to take!  (Please note that the Training Calendar within the RealTracs System is for RealTracs classes only.  Regular SMTAR courses offered can be found at www.SMTAR.com.
   
• Lunch & Learn with Brian Smith
  • Wednesday, September 7, 2011
  • 2011 TAR Purchase & Sale Contract
    9:30AM - 11:30AM   -   2 Hours of CE
    Cost is $45 ($5 discount if you pay by cash or check!  See special deal below!)  Please REGISTER HERE.
  • Selling Real Estate in a Digital World
    12:00PM - 2:00PM   -   2 Hours of CE
    Cost is $45 ($5 dicount if you pay by cash or check!  See special deal below!)  Please REGISTER HERE.
  • SPECIAL DEAL!  Take both of these classes for just $80 ($5 discount by cash or check available here, too!)
     
• Short Sales and Foreclosures
  Thursday, September 22, 2011
  9:00AM - 3:30PM   -   6 Hours of CE
  Cost is $99 (Discount NOT available.)  Please REGISTER HERE.
  ***This is an ABR elective!  You can also obtain the SFR Certification by completing this class and sending an application plus $175 to REBAC!

• Get Wells go to:
  • Sidney Massey - daughter of Mary Beth Monahan with Crye-Leike REALTORS.  Sidney was injured in an accident that involved the Destiny Church youth group just this week.  Several others were injured, and one child was killed in this accident.  We'd like to send well-wishes to all of those connected with this tragedy - we know their hearts are breaking.
    
• Sympathies for:
  • Russell Roberts - Father-in-law of Vicki Roberts with Re/Max Elite in Columbia
  • Charles McBroom - Father of Linda Walker with White/Woodard Realty and Elaine Waggoner (Gerald) with Waggoner Appraisals in Columbia
  • Sarah Graham - Daughter of Jennifer Graham with Crye-Leike REALTORS in Columbia

Association Office		931.381.5556
Association Website
Mary Scott, Association Executive	scottm@realtracs.com
Rebecca Head, Office Manager	rebeccah@realtracs.com
Tammy Brown, Administrative Assistant	tammyb@realtracs.com
SMTAR 2011 President
Jason Jent		931.359.6631
jason@davidjentrealty.com
RealTracs (Middle Tennessee Regional MLS)		800.397.9282
Member Login: www.RealTracs.net
Public Login: www.RealTracs.com
2011 MLS Director
Matt Collins		931.359.6231
matt@grovercollins.com
Tennessee Association of REALTORS(r)		615.321.1477
www.TARNET.com
Tennessee Real Estate Commission		800.342.4031
www.state.tn.us/commerce/boards/trec
National Association of REALTORS(r)		800.874.6500
www.REALTOR.org