december 2005 - sacramento association of … · december 2005 volume 7, number 12 prsrt std us...

®

December 2005Volume 7, Number 12

PRSRT STD

US Postage

P A I D

Permit No. 538

Sacramento, CA

A PUBLICATION OF SACRAMENTO ASSOCIATION OF REALTORS®

Sacramento Association

of REALTORS®

2003 Howe Avenue

Sacramento, California 95825

I N S I D E T H I S I S S U E

P r e s i d e n t ’s P e r s p e c t i v e

P a g e 2

N e w M e m b e r sP a g e 3

M L S S t a t sP a g e 1 0 – 1 1

S A R E d u c a t i o n a lO f f e r i n g s

P a g e 1 2

G o v t . Wa t c h

P a g e 1 5

J a n u a r y C a l e n d a r

P a g e 1 6

SAR WEBSITE:www.sacrealtor.org

Two Malls, Twice the Recognition

MANY HANDS MAKE CANTREE GROW QUICKLY

NORM WAGNER, JUDIE BROOKS & TIM WISEBECK SET CANS AROUND THE PERIMETER OF THE TREE

CORA LEE HOLMAN STRETCHES

THE SHRINK WRAP NEEDED TO

STABILIZE THE TREE.

MANY HANDS MAKE CANTREE GROW QUICKLY

STABILIZE THE TREE.

VOLUNTEERS STAND PROUDLY BEFORE THEIR NEWLY

BUILT TREE.

2005 CHRISTMAS CANTREE AT DOWNTOWN PLAZA

VOLUNTEERS STAND PROUDLY BEFORE THEIR NEWLY

CORA LEE HOLMAN STRETCHES

THE SHRINK WRAP NEEDED TO

NORM WAGNER, JUDIE BROOKS &

FORMER SAR PRESIDENT CHUCK MANLY HAS PARTICIPATED IN ALL 23 CANTREE CONSTRUCTION EVENTS

REALTORS® AND AFFILIATES WORK AS A TEAM TO BUILD THE SUNRISE MALL CANTREE

This holiday season, busy shoppers will have the opportunity to view the splendid tin giving trees built by SAR Members in two major malls – Sunrise Mall in Citrus Heights and Downtown Plaza in Sacramento. Thanks to the progressive thinking and creative negotiation skills of SAR’s CanTree Committee, more Sacramento residents than ever before will witness this awesome community service effort.

Sporting a French bistro theme and the tagline, “REALTORS® and You, Together We Can Can,” the 23rd Annual SAR Christmas CanTree proved to be another success. The money raised has yet to be determined but it is safe to say it will be close to the $160,000 goal. Many volunteers awoke early on Monday, November 21 to come help construct the tree at Downtown Plaza, positioned in front of the women’s Macy’s store. A number of those same volunteers showed up again at 7am at Sunrise Mall to build their second tree in front of the men’s Macy’s store.

Among the dedicated volunteers was former SAR President and recent Hometown Hero Honoree Chuck Manly who has participated in all 23 CanTree events. “CanTree is very near and dear to my heart. It wouldn’t be Christmas without it,” stated Manly.

Thank you to all who supported this year’s CanTree project finan-cially and physically. The nearly 30,000 families benefiting from your efforts thank you also.

When this year began I asked for Members to get involved in the Association and to ask others to get involved. The response to that request has been impressive from staff, from committees and from the Members.

I will start by thanking the Members. In response to requests for help, more than 50 Members who had never served before joined a committee or task force. Over 20 Members volunteered their time to help with our first Association organized effort to help clean up of the American River. More than 30 Members showed up to donate at our first blood drive. Over 55 Members showed up to help rehabili-tate homes as part of Rebuilding Together. Everywhere I look more and more Members are getting involved in the Association. Thank you for your efforts so far. Please continue to get others involved and help us to continue to grow in the months and years ahead.

Next I want to thank the committees. At the start of the year we made some changes to the committee structure. We separated the Community Relations Committee from the CanTree Committee. We also reorganized the responsibilities of some other committees. The newly formed Community Relations Committee brought us the blood drive, the American River Cleanup, Rebuilding Together, Suitcases For Kids and the collection of used print cartridges and cell phones to benefit local schools. They have even bigger plans for next year.

The Business and Technology Expo Committee, chaired by Annie Frick, put on an incredible show. One exhibitor that travels around the country doing these shows said that this year’s show was the best they had ever seen from any local association.

The CanTree Committee, chaired by Peggy Coughlin, has expanded from one tree to two trees and when the final numbers are in will almost certainly exceed any previous year in total col-lections. They plan on expanding the program even further in the years ahead.

The Education Committee, chaired by Valerie Healy, expanded the course offerings and attracted almost twice as many students as in previous years. The plans for future years are even more aggressive with several new courses under development.

The Hometown Heroes Committee, chaired by Charlene Singley, moved from selecting a recipient periodically to affirma-tively pursuing nominees and selecting 10 new Heroes in 2005.

The Housing Opportunities Committee, chaired by Linda Bennett, pursued sev-eral new initiatives including developing the H.E.L.P. program to assist working families in finding their first home. Finalization of this program should occur before the end of the year.

The Scholarship Committee, chaired by Perry Georgallis, exceeded even their expec-tations. They distributed more than $29,000 in scholarships to local graduating high school students. This amount exceeds even

the amounts distributed by state associations.

The Budget Committee chaired by Tracey Saizan, the Equal Opportunity Committee chaired by Eva Garcia, the Government Relations Committee chaired by Nancy Arndorfer, the Grievance Committee chaired by Bruce Werking, the Nominating Committee chaired by Dick Swayne, the Professional Standards Committee chaired by Cleo Brown, the Affiliate/Finance Forum chaired by Robert Turrietta and the Regional Meeting Forum chaired by Paula Swayne all did exemplary work in advancing the purposes of their committee or forum. Thank you to all these excep-tional leaders for a job well done.

Nancy Arndorfer chaired the Membership Policy Task Force and brought us the new Affiliate Membership structure. Ron Greenwood chaired the Sponsorship Task Force and brought us the new sponsorship program. Thanks to both of you for an outstanding volunteer effort.

Last, but certainly not least, I want to thank the incredible staff of SAR. Without this fine staff and all their hard work we would not have been able to sustain all the activities the Association accom-plished. To Nancy, Lyndsey, Robin, Denise, Amelia and Barbara in Member Services, to Cassie, Pamela and Tippi in Marketing and Events, to Jennifer and Aaron in Accounting, to Pat in Professional Standards, to Greg in Public Affairs, to Todd in Facilities, to Traci in Administration, to Judy and Devyn in Education, to Carl, Daniel and Kimberly in the Store and especially to Nelson, our incredible leader, I give my heartfelt thanks for making this year an incredible year for me and for the Members of SAR.

2 Sacramento REALTOR® • December 2005

EQUAL HOUSINGO P P O R T U N I T Y


of REALTORS®

2003 Howe Avenue

Sacramento REALTOR® Newsletter

Editor:Judy Wegener

Publisher:Ned Foley,

Foley Publications

Design & Layout: Brio Creative

To Advertise:Foley Publications

1-800-628-6983

Editorial PolicyThe Sacramento Association of REALTORS® (SAR) welcomes articles

of educational interest to its members. Published articles will feature the author’s name, title and company; however, no direct compensation will be paid to the author. SAR reserves the right to edit submitted articles for length, grammar, and appropriateness.

Articles will be printed in SAR’s publications on a space available basis. Attempt will be made to publish submitted articles in a timely manner; however, submission of an article does not guarantee when, or if, it will be published.


of REALTORS®

2003 Howe Avenue


OFFICE HOURS: M-F 7:30AM - 4:30PM

SAR STORE HRS: M-F 8:00AM-4:30PM


SAR STAFFFeel free to call us directly.

Nelson Janes – 916.437.1201Executive Vice PresidentJennifer Macias – 916.437.1204

ControllerAaron Truby – 916.437.1203Accounting AssistantGreg Vlasek – 916.437.1208

Director of Public AffairsPat Lowell – 916.437.1206

Director of Professional StandardsJudy Wegener – 916.437.1207

Director of Education and CommunicationsTraci Sarria – 916.437.1202

Administrative AssistantPamela Johnson – 916.437.1205

Masters Club Events & Technology ExpoCassie Papin – 916.437.1209

Director of Meetings & EventsTodd Nicholson – 916.437.1214Building Superintendent

Eric Rasmusson – 916.447.0283Consulting Advocate

SAR Member ServicesNancy Manly – 916.437.1217

Director of Member ServicesLyndsey Harank – 916.437.1221

Membership/Retail Center Assistant Robin Mayer – 916.437.1216

Member ServicesDenise Stone – 916.437.1219

Member ServicesAmelia Warrington – 916.437.1218

Member ServicesBarbara Wells – 916.437.1220

Member Services

SAR Retail Center Carl Carlson – 916.437.1223

Director of Retail OperationsDaniel Allen – 916.437.1224

Retail Center Specialist and Network Administrator

Kimberly Mar – 916.437.1222Retail Assistant

President’s PerspectiveSacramento Association

of REALTORS®

Sacramento REALTOR® is published monthly by the Sacramento Association of REALTORS® for the benefit of its membership. Advertisements and statements of fact and opin-ion are the responsibility of the authors alone and do not imply an opinion or endorsement on the part of SAR officers, members or staff. All mate-rial copyright 2005, Sacramento Association of REALTORS®. All rights reserved.

Dave Tanner2005 SAR President

2003 Howe Avenue, Sacramento, CA 95825(916) 922-7711

FAX (916) 922-1221 or FAX (916) 922-3904

METROLIST1164 W. National Dr. Suite 60

Sacramento, CA 95834(916) 922-2234 or (916) 922-7584

2005 SAR BOARD OF DIRECTORS

David TannerPresident

Leigh RutledgePresident-Elect

Tracey SaizanSecretary/Treasurer

Nancy ArndorferImmediate Past President

DIRECTORSLorin Brown Judy CovingtonDoug Covill Shirley DelaoTina Deller Carole GoodinRon Greenwood Patrick LieuwBetty Pomeroy Charlene SingleyCathy Snow Alan Wagner

SAR MISSION STATEMENTThe purpose of the Sacramento

Association of REALTORS® is to enhance the ability of its Members to practice their profession ethically and effectively.

VISION STATEMENTOur vision is to identify and

communicate innovations, promote professionalism and affect changes

in the real estate industry to benefit our Members and the community at large.

Here to Serve You

Sacramento REALTOR® • December 2005 3

As of October 2005

New REALTOR® MembersLara Y. AhnPrudential CA Realty2250 Del Paso Road Ste ASacramento, CA 95834

Tammy M. AllenAmerican Dream Homes2941 Sunrise Blvd, Ste 240-GBRancho Cordova, CA 95742

Amy E. AoyamaColdwell Banker-Res R E Srv341 Iron Point Road, Ste 100Folsom, CA 95630

Marcella V. ApplegateCommunity Real Estate Services451 Arden WaySacramento, CA 95815

Gurvinder K. AujlaColdwell Banker All State Home2071 Natomas Crossing Dr #100Sacramento, CA 95834

Sandra J. BaneLyon RE Folsom150 Natoma Station Dr, Ste 300Folsom, CA 95630

Olga BasarabaThe Sacramento Cornerstone RE8421 Auburn Blvd Ste 225Citrus Heights, CA 95610

Catherine L. Bean AndersonKeller Williams Realty9355 E Stockton Blvd., # 210Elk Grove, CA 95624

Keinya S. BeasleyPrudential CA Realty2250 Del Paso Road Ste ASacramento, CA 95834

Charles H. Bell IICIG Realty & Loans9280 W. Stockton Blvd, Ste 112Elk Grove, CA 95758

Mike G. BeltramSellSmart Advantage13405 Folsom Blvd, Suite 150Folsom, CA 95630

Nicholas G. BoswellWinchester McGee Real Estate11290 Point East Dr, Suite 110Rancho Cordova, CA 95742

Monique S. BrownStep One Real Estate7712 West Shore DrSacramento, CA 95831

Genevieve L. BuffingtonCook Realty4305 Freeport BlvdSacramento, CA 95822

Tamera V. BulkeleyKeller Williams Realty8525 Madison Avenue, Ste 122Fair Oaks, CA 95628

Alicia A. ButlerThe Funding & Lending Network5777 Madison Ave Ste 1030Sacramento, CA 95841

Guadalupe G. CabanyogColdwell Banker All State Home8011 Elsie AveSacramento, CA 95828

Michelle L. CarrilloLyon RE Sierra Oaks2580 Fair Oaks Blvd. Ste 20Sacramento, CA 95825

Tamicka R. CarterGoree & Thompson1399-B Florin RdSacramento, CA 95822

Alex ChernyshovCapitol Ciry Real Estate5445 Diablo DriveSacramento, CA 95842

Winnie Y. CheungERA Elite7811 Laguna Blvd., Suite 161Elk Grove, CA 95758

Judy C. ChienKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

Claude ClaybrookColdwell Banker All State Home830 Jefferson Blvd, Suite 10West Sacramento, CA 95691

Dennis D. DareVGC R.E. Grp Linker & Assoc.9370 W. Stockton Blvd, Ste 100Elk Grove, CA 95758

Bill M. Davidson JrHelp-U-Sell Natomas Homes4690 Natomas Blvd. Ste 130Sacramento, CA 95835

Benjamin M. Dela CruzzipRealty, Inc.3550 Watt AvenueSacramento, CA 95821

Daniel DennisLa Hacienda Realty1501 Sports DriveSacramento, CA 95834

Lynn K. DinhCapital Realty & Loans, Inc.8360 Sheldon RoadElk Grove, CA 95624

Pamela DobbinsRealty World Story Book Homes1001 Jefferson Blvd., # 700West Sacramento, CA 95691

Jeffrey DominguezPacific Properties2740 Fulton Ave Ste #223Sacramento, CA 95821

Valerie DonahueThe Loan Connection Mortg Srvs8925 Emerald Park DriveElk Grove, CA 95624

Carlos S. EzquerroColdwell Banker-Res R E Srv5750 Sunrise Blvd., Suite 100Citrus Heights, CA 95610

Kevin J. FarrellColdwell Banker-Res R E Srv5034 Sunrise BlvdFair Oaks, CA 95628

Melinda S. FilerParagon Real Estate5306 Nesting PlaceRocklin, CA 95677

Marcus A. FilippiCapital Realty and Equity Inc.9833 Horn Rd Ste BSacramento, CA 95827

Fatima FloresDavis & Davis Associates6151 Fair Oaks Blvd, Ste 1Carmichael, CA 95608

Trent J. FordColdwell Banker-Res R E Srv440 Drake CircleSacramento, CA 95864

Donald FoxDavis & Davis Associates6151 Fair Oaks Blvd, Ste 1Carmichael, CA 95608

James E. FrazierPrime Choice Realty & Mortgage7119 Elk Grove Blvd, Ste 121Elk Grove, CA 95757

Jerry C. Funches IIIColdwell Banker-Res R E Srv2450 Del Paso RoadSacramento, CA 95834

Vicente B. GalindoDelta Homes and Lending936 Enterprise DriveSacramento, CA 95825

Dennis R. GliebeADP Realty2932 Rockwell CourtDavis, CA 95616

Robert J. GonzalezRealty 11100 Melody Land Suite 206Roseville, CA 95678

Edgard A. GonzalezColdwell Banker All State Home2071 Natomas Crossing Dr #100Sacramento, CA 95834

Luis GonzalezAmcap Realty1501 Sports DriveSacramento, CA 95835

Travis G. GreenKraft Real Estate8121 Madison Ave, Ste A-1Fair Oaks, CA 95628

Paramjit S. GrewalMack J McBeth Realty7000 Franklin Blvd, Ste 310Sacramento, CA 95823

Glory Joy B. GriffithTriple E Realty7801 Folsom Blvd, Suite 335Sacramento, CA 95826

Deanna L. HayesThe Reese Group3921 Ampudia StreetSan Diego, CA 92110

John J. HayesMaximum Real Estate & Finance5858 Florin RoadSacramento, CA 95823

Miasha L. HeltonPrudential CA Realty2250 Del Paso Road Ste ASacramento, CA 95834

Maricel A. HendersonBetter Homes Realty-Folsom47 Natoma Street, Ste B2Folsom, CA 95630

Maureen E. HigginsPrudential CA Realty785 Orchard Drive, Ste 110Folsom, CA 95630

Herbert J. HobbsA Better Way Realty1000 C Street, Ste 35Galt, CA 95632

Nicole T. HumphreyThe Sacramento Cornerstone RE2020 Hurley Way Suite 245Sacramento, CA 95825

Sheri A. JassoLiberty Real Est & Invest3141 Dwight Rd Suite 200Elk Grove, CA 95758

Terry A. JensenAmcap Realty3560 El Camino AvenueSacramento, CA 95821

Patricia JervissAmcap Realty2489 Sunrise Blvd.Gold River, CA 95670

Judy J. JohnsonPrudential CA Realty1819 K Street, Ste 100Sacramento, CA 95814

New SAR Members

Continued on page 4

ALL YOUR CLIENTS’ HOME LOAN ANSWERSCONVENIENTLY LOCATED UNDER ONE ROOF

C U S T O M I Z E D H O M E L O A N S

Linda Aiken(916) 567-5326

Christy Andrei(916) 567-5354

Fluent inRomanian

John Burgess(916) 567-5327

Ed Cardona(916) 567-5339Habla Espanol

Kelley Carter(916) 567-5332

Mark Galbo(916) 567-5378

Doug Radovich(916) 567-5345

Sherri Radovich(916) 567-5345

Russian

Quinton Radovich(916) 567-5335

Lilyann Salazar(916) 567-5322

George Sanders(916) 567-5341

Mark Shelton(916) 567-5359

Robyn Sims(916) 567-5380

Dolores Wagnon(916) 567-5337

SACRAMENTO HOME LOAN CENTER1950 Arden Way, 2nd Floor, Sacramento, CA 95815

(916) 567-5300 OFFICE • (916) 567-5305 FAX

Programs subject to change. We have loan offi ces and accept applications in Washington Mutual Bank. FA - many states: Washington Mutual Bank - ID, OR, UT, WA; and Washington Mutual Bank fsb - ID, MT, UT.

Susan RichterManager

(916) 567-5387

Edwina MorganForh

(916) 567-5306

Loretta Manfre(916) 567-5320

Linda Morgan(916) 567-5319

Fred Claussen(916) 567-5338

Michael Quihuiz(916) 567-5350


Gerry JohnsonReal Estate Connection2265 B Watt AveSacramento, CA 95825

Antoinette Y. Johnson1st American Realty910 Florin Road, Ste 112Sacramento, CA 95831

Ruby N. JonesAgent Network4748 Engle Rd Suite 100Carmichael, CA 95608

Parviz KaramiColdwell Banker All State Home2071 Natomas Crossing Dr #100Sacramento, CA 95834

Rachel P. KelloggCentury 21 Select Real Estate7919 Pebble Beach Dr, Ste 101Citrus Heights, CA 95610

Bonnie J. KingshillKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

Zarina N. KizilogluWonderagents1524 Eureka Road # 110Roseville, CA 95661

Carlene M. KuceraKeller Williams Realty9355 E Stockton Blvd., # 210Elk Grove, CA 95624

Mario A. LavoieKeller Williams Realty8525 Madison Avenue, Ste 122Fair Oaks, CA 95628

Horacio Z. LemusPacific Coast Realty151 Sunrise Blvd Suite 713Roseville, CA 95661

Marcella K. LillmanCIG Realty & Loans9280 W. Stockton Blvd, Ste 112Elk Grove, CA 95758

Catheleen A. LoganKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

Lorraine N. LopezColdwell Banker-Dunnigan9165 Elk Grove-Florin Rd #90Elk Grove, CA 95624

Michael M. LucAtHome Realty7311 Greenhaven Drive, Ste 207Sacramento, CA 95831

Larry C. Lystrup1st American Realty5740 Windmill Way, Ste 1Carmichael, CA 95608

Scott M. MaconKeller Williams Realty9355 E Stockton Blvd., # 210Elk Grove, CA 95624

Georgina MaffeiColdwell Banker-Diez & Leis RE5120 Mazanita Ave, Suite 120Carmichael, CA 95608

Carly M. MarquesKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

Carolina Martinez-RomanKeller Williams Realty9355 E Stockton Blvd., # 210Elk Grove, CA 95624

Jill E. MasonMilward & Assoc, REALTORS3401 West Country Club LaneSacramento, CA 95821-2512

Carla A. MassagliLyon RE Sierra Oaks2580 Fair Oaks Blvd. Ste 20Sacramento, CA 95825

Jetina MatthewsKeller Williams Realty3001 Lava Ridge Court, Ste 100Roseville, CA 95661

Olga MaznikReal Estate Wide3617 Marconi AveSacramento, CA 95821

Alexander S. McBethMack J McBeth Realty7000 Franklin Blvd, Ste 310Sacramento, CA 95823

Michael T. McCallRE/MAX Gold of Greenhaven7410 Greenhaven Drive Ste 105Sacramento, CA 95831

Thomas F. McCueKeller Williams Realty2600 E. Bidwell St., Suite 150Folsom, CA 95630

Daniel A. McCulloughKeller Williams Realty8525 Madison Avenue, Ste 122Fair Oaks, CA 95628

Christine T. McPeakMassey Advantage Inc.4531 Shady Oak WayFair Oaks, CA 95628

Kerri A. MendiolaColdwell Banker-Res R E Srv9470 Madison AveOrangevale, CA 95662

Philip R. MichaelWinchester McGee Real Estate11290 Point East Dr, Suite 110Rancho Cordova, CA 95742

Katie L. MillerColdwell Banker-Arnold, Doug505 Second StreetDavis, CA 95616

Araceli A. MorenoAmcap Realty1501 Sports DriveSacramento, CA 95835

Kao N. MouaGlobal One Realty6911 Stockton Blvd Ste 500ASacramento, CA 95823

Ryan M. MuramotoChappell Real Estate6847 Greenhaven DrSacramento, CA 95831

David K. MuraokaDelta Homes and Lending936 Enterprise DriveSacramento, CA 95825

Maria Christina NavarroReal Estate America2901 Sunrise Blvd, Suite 150Rancho Cordova, CA 95742

Valinda J. NelsonRock Solid Realty Inc.3400 Bradshaw Rd, Ste A-4ASacramento, CA 95827-2614

Timothy C. NunnemakerPacific National, REALTORS7803 Madison Ave, Ste A-150Citrus Heights, CA 95610

Kurt W. ParkinsonPacific Coast Realty151 Sunrise Blvd Suite 713Roseville, CA 95661

Nicole R. PatePrudential CA Realty1819 K Street, Ste 100Sacramento, CA 95814

Kevin A. PeckKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

Matt V. PetersonJ.W. Hood & Associates Inc.1052 Melody Lane Ste 200Roseville, CA 95678

Deborah A. PooleRealty World-RE ConnectionPO Box 348342Sacramento, CA 95834

Eric C. PopeColdwell Banker-Res R E Srv341 Iron Point Road, Ste 100Folsom, CA 95630

Cameron B. PriestPriest Real Estate980 9th Street, 16th FloorSacramento, CA 95814

Kathia A. PuckettColdwell Banker All State Home8011 Elsie AveSacramento, CA 95828

New MembersContinued from page 3

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Not all applicants will qualify for reduced paperwork benefits.

Bank of America MortgageSacramento Sales Office916.364.25408880 Cal Center Drive #270Sacramento, CA 95826

JL11_0702 7/22/05 11:58 AM Page 1

Continued on page 5


Unjali A. RajColdwell Banker All State Home2071 Natomas Crossing Dr #100Sacramento, CA 95834

Loren RamosColdwell Banker All State Home830 Jefferson Blvd, Suite 10West Sacramento, CA 95691

Juliena ReeseERA Town and Country REP.O. Box 1225Rancho Murieta, CA 95683-1225

Juanito P. RegadioAtHome Realty7311 Greenhaven Drive, Ste 207Sacramento, CA 95831

Patricia RiccardiLyon RE Downtown2801 J StreetSacramento, CA 95816

Eleonora RijovCapitol Ciry Real Estate5445 Diablo DriveSacramento, CA 95842

Karen R. RiversColdwell Banker-Res R E Srv5750 Sunrise Blvd., Suite 100Citrus Heights, CA 95610

Caren L. RoelandsRiver Rock Realty, Inc.13405 Folsom Blvd #300Folsom, CA 95630

Aumi Rohm-WesleyApple One Realty6 Carvel PlaceSacramento, CA 95835

Susan G. RonkowskiCook Realty4305 Freeport BlvdSacramento, CA 95822

Natalia RudeyThe Sacramento Cornerstone RE2020 Hurley Way Suite 245Sacramento, CA 95825

Patricia J. RussellThe Reese Group3921 Ampudia StreetSan Diego, CA 92110

Richard P. RussellExit Realty Russell & Associat6060 Sunrise Vista Dr Ste 2220Citrus Heights, CA 95610

Stacey N. SaechaoParagon Real Estate5306 Nesting PlaceRocklin, CA 95677

Divya SawhneyCentury 21-All Professional1520 River Park DriveSacramento, CA 95815

Mark E. SchallerPacific Coast Realty151 Sunrise Blvd Suite 713Roseville, CA 95661

Holly D. SeashoreRE/MAX Gold Elk Grove8694 Elk Grove Blvd, Ste 9Elk Grove, CA 95624

Manjit K. SekhonAssist 2 Sell-Sac/Elk Grove7000 Franklin Blvd., Ste 665Sacramento, CA 95823

Brandon M. ShepardColdwell Banker-Dunnigan9165 Elk Grove-Florin Rd #90Elk Grove, CA 95624

Frances SilvaCook Real Estate2220 Watt AvenueSacramento, CA 95825

Lori A. SimasLyon RE Sierra Oaks2580 Fair Oaks Blvd. Ste 20Sacramento, CA 95825

Deo N. SinghCalifornia Home and Mortgage1759 Landess AveMilpitas, CA 95035

Janend P. SinghGlobal One Realty6911 Stockton Blvd Ste 500ASacramento, CA 95823

Oleg SmaglyPatriots4030 S Land Park Dr, Ste ASacramento, CA 95822

Karen E. SmithHighlander Real Estate Grp, InP O Box 214646Sacramento, CA 95821-0646

Hilda E. SpenceVGC Real Estate Group924 Laguna Springs Dr., #101Elk Grove, CA 95758

Rodney Brian StewartMcMartin Realty2031 K Street Suite 100Sacramento, CA 95814

Mary Anne S. SundarColdwell Banker All State Home830 Jefferson Blvd, Suite 10West Sacramento, CA 95691

Christina J. TamsyExecutive Realtors2020 Hurley Ste 245Sacramento, CA 95825

Marva E. ThompsonWallace Realty8245 Florin Rd Suite D-1Sacramento, CA 95828

Roger N ThompsonRealty World-The Max1531 Corporate Way # 110Sacramento, CA 95831

Dean C. ToneyReal Estate Funding Group8785 Center Parkway Suite B360Sacramento, CA 95823

Thu A. TranCapital Realty & Loans, Inc.8360 Sheldon RoadElk Grove, CA 95624

Jenny N. TrinhCapital Realty & Loans, Inc.8360 Sheldon RoadElk Grove, CA 95624

Hong C. VanAtHome Realty7311 Greenhaven Drive, Ste 207Sacramento, CA 95831

Pablo J. VazquezColdwell Banker-Dunnigan9165 Elk Grove-Florin Rd #90Elk Grove, CA 95624

Vanessa J. VillanuevaLyon RE Sierra Oaks2580 Fair Oaks Blvd. Ste 20Sacramento, CA 95825

Liliya VoshevThe Sacramento Cornerstone RE8421 Auburn Blvd Ste 225Citrus Heights, CA 95610

Kristina VoytitskiyThe Sacramento Cornerstone RE8421 Auburn Blvd Ste 225Citrus Heights, CA 95610

Kim H. VuERA Elite7811 Laguna Blvd., Suite 161Elk Grove, CA 95758

Christopher V. VuExecutive Realtors2020 Hurley Ste 245Sacramento, CA 95825

Cheryl D. WaddleBurns Home Loans & Realty8037 Fair Oaks Blvd., Ste 113Carmichael, CA 95608

Elena C. WalkupzipRealty, Inc.3550 Watt AvenueSacramento, CA 95821

Juliet F. WebbAtHome Realty7311 Greenhaven Drive, Ste 207Sacramento, CA 95831

Brandon K. WeberGiannini Realty2555 Donner WaySacramento, CA 95818

Richard B. WhiteThe Sacramento Cornerstone RE2400 Del Paso Rd #160Sacramento, CA 95834


Continued on page 6


Chris L. WiegandtAlliance One Mortgage Corp1495 River Park Dr, Suite 200Sacramento, CA 95815

Terrie A. WilsonRE/MAX Central9280 West Stockton Blvd.Elk Grove, CA 95758

Sharon L. WitherspoonKeller Williams Realty9355 E Stockton Blvd., # 210Elk Grove, CA 95624

James W. Witt IIIColdwell Banker-Res R E Srv2450 Del Paso RoadSacramento, CA 95834

Virginia R. WolfeCentury 21-Haley & Assoc., Inc9129 Elk Grove BlvdElk Grove, CA 95624

Victor N. XiongColdwell Banker All State Home8011 Elsie AveSacramento, CA 95828

Cynthya YouKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

Olga ZagorenkoThe Sacramento Cornerstone RE2020 Hurley Way Suite 245Sacramento, CA 95825

Jorge A. ZendejasKeller Williams Realty4180 Truxel Road #150Sacramento, CA 95833

New Broker AssociatesSandra L MayorgaSellSmart Advantage13405 Folsom Blvd, Suite 150Folsom, CA 95630

Cynthia A. WickliffeVivaldi Real EstateP.O. Box 999Fair Oaks, CA 95628

New Designated REALTORS®

Michael D. BakerDelgado and Cameron R.E. Srvs8820 Greenback Lane Suite DOrangevale, CA 95662-4082

Robert M. BanksBanks, Robert M. Real EstateP.O. Box 1328North Highlands, CA 95660-1328

Bashker D. BiswasBashker D. Biswas, Broker2982 Coopers Hawk LoopLincoln, CA 95648

David D. CitrenbaumCitco Mortgage1900 Point West Way, Suite 122Sacramento, CA 95815

Christopher W. ClayChris Clay Realty9141 E. Stockton Blvd #250-127Elk Grove, CA 95624

Michael J. FowlerWatermark Investments, Inc.103 Baldwin Lake CircleFolsom, CA 95630

Marjorie MikaelMarjorie Mikael7480 Deltawind DriveSacramento, CA 95831

Daniel A. PascuaKingsland, REFSP.O. Box 232562Sacramento, CA 95823

Maurice A. PriestPriest Real Estate980 9th Street, 16th FloorSacramento, CA 95814

Carolina G. ShreveThe Reese Group3921 Ampudia StreetSan Diego, CA 92110

Shalawn L. SmithSacramento R. E. Network, Inc.18 Business ParkwaySacramento, CA 95828

Jill A. ToddRiver Rock Realty, Inc.13405 Folsom Blvd #300Folsom, CA 95630

New Affiliate Members

Victor M. BandaCountrywide Home Mortgage Lns6301 Sunrise Blvd.Citrus Heights, CA 95610

Matthew P. BrozekRiver Oak Capital1765 Challenge Way, Suite 250Sacramento, CA 95815

John BurgessWashington Mutual1950 Arden Way 2nd FloorSacramento, CA 95815

Anthony B. EstigoyAll Fund Mortgage550 South Winchester Blvd.San Jose, CA 95128

Jim HartiganAppraisal DepartmentP.O. Box 1468Sacramento, CA 95828-1468

Gina M. LedesmaEmpire Home Loan Corp10193 Combie Road, Suite 120Auburn, CA 95602

Paula LeeNational Analytical Laboratory10416 Investment CircleRancho Cordova, CA 95670

Loretta I. ManfreWashington Mutual1950 Arden Way 2nd FloorSacramento, CA 95815

David R. McCoySprint2180 Harvard St, Ste 100Sacramento, CA 95815

Linda C. MorganWashington Mutual1950 Arden Way 2nd FloorSacramento, CA 95815

Doug A. RadovichWashington Mutual1950 Arden Way 2nd FloorSacramento, CA 95815

Sherri L. RadovichWashington Mutual1950 Arden Way 2nd FloorSacramento, CA 95815

Michele L. StewartWells Fargo Private Mrtg Bank400 Capitol Mall Suite 2100Sacramento, CA 95814

David W. StewartVintage Capital Advisors, LLC777 Campus Commons Dr Ste 200Sacramento, CA 95825

Randy M. ZopfRoseville Termite & Pest CntrlP.O. Box 1168Roseville, CA 95678-1168


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Consider joining SAR as an Affiliate Member. For a low annual fee, you receive the following:

• Enrollment in Insurance Programs (Medical, Dental, Vision) at Member group rates

• SAR publications

• SAR mailings, invitations and e-mails

• Listing as an SAR Affiliate Member on the SAR website

• Eligibility to serve on SAR

committees

• Eligibility to serve as a standing com-mittee chair

• Participation in SAR educational pro-grams at the Member rate

• Participation in Membership meeting - Main, Regional and others

•

Participation in SAR networking events at a Member rate

• Items at the SAR Retail Store at Member rates

• Exclusive opportunity to sponsor SAR programs

Current List of SAR Affiliates

Below is the list of 2005 SAR Affiliate Members. If you are not listed here and wish to receive the many benefits associ-ated with Membership, please contact our Membership department at 922-7711 for an application.Jon Albrecht, Old Republic Exchange Company

John Alexander, Golden West Appraisal Services

Dennis Alger, Sacramento 1st Mortgage

Bill Angove, Asset Preservation, Inc.

George Anthes, RBC Mortgage

Tyler Applegate, Innovative Energy Ideas

Linsay Applegate, Colliers International

Chad Arnold, Two Men and a Truck

Melissa Arntzen, RBC Mortgage

Tiwari Arpana, Property Minder Inc.

Devon Atlee, Cornish & Carey Commercial

Diane Bacon, U.S. Bank Home Mortgage

Linda Bak, MCL Financial Group

Victor Banda, Countrywide Home Mortgage Lns

Chantel Beck, Allied Capital Loans

Steven Bickel, Building Improvement Consolidated, Inc.

Greg Bisi, Partners Mortgage Corp

Steve Bluett, Calif State Automobile Assn

Lisa Boccadoro, North American Title Company

Tom Bolinger, Fidelity Nat’l Title Ins Co

Joyce Booth, Countrywide Home Mortgage Lns

Janice Borchard, First American Home Buyers

Wally Borland, Vitek Mortgage Group

Karen Brennan, Chicago Title Company

Bill Bright, Sacramento Valley Financial

Melissa Brock, Sierra Oak Insurance Services Inc.

Marc Brouillard, Chase Manhattan Mortgage Corp

Terry Brown, T.M. Brown & Co. Home Inspection

Matthew Brozek, River Oak Capital

Mike Brozek, River Oak Mortgage Company

John Burgess, Washington Mutual

Suzanne Butcher, Suzanne Butcher, Appraiser

Roger Butcher, R E Marketing

Patrick Butler, Patrick Butler, R E Appr

Rick Cacciola, Wells Fargo Home Mortgage

Sarah Cain, Big Valley Mortgage

Dianne Campbell, Western Exterminator Co

Nicholas Canepa, Canepa Home Inspection Service

Joshua Cantrell, LGS Reports, Inc.

Erica Carlos, Capitol Investment Group

Ron Carpenter, The Sacramento Bee

Peggy Carter, Peggy Carter Interiors

Thomas Caruthers, American Home Mortgage

John Casey, Pacific Coast Lending

Steve Cassani, Premier Financial Group

Larry Challis, First Security Loan

Anna Charles, Morrison O’Hara

Raymond Cheung, Washington Mutual

Chris Clark, Financial Title Company

Susan Cochran, Appraisal Concepts

Martin Cody, Sacramento Magazines Corp

Lori Coffee, Stewart Title of Sacramento

Russell Colliau, United Prof R E Inspectors

John Collins, John P Collins, Appraiser

Robert Corse, Corse Mortgage Corporation

Jay Cortese, Big Valley Mortgage

Dennis Costello, Findlay, Don Jr & Assoc

Peggy Coughlin, Sacramento Credit Union

Vince Crandall, Vince Crandall Appraisal Serv

Peter Crowell, Premier Financial Group

Marcie Curtis, Mission Hills Mortgage Bankers

Maribeth Daley, ECS Mortgage & Realty

Larry Davis, PMAC Lending Services, Inc.

Keith Davis, Floor Plan Innovations

Bert Davis, Peace of Mind Home Inspections

Maurine Dawson-Grisso, Help-U-Sell/Sac Master Region

Allan de Abreu, The Real Estate Book of Sac.

George Deane, North State Mortgage Co, Inc

Patti Delgado, Bank of America

Kathy Dempster, Home Loan Experts

Nicole DeSantis, First American Exchange

Izzy Devine, Homeguard, Inc.

Andrew Dickson, Andrew Dickson, CCI

Michele Dillingham, Vitek Mortgage Group

David Dimmick, TRI Commercial

Douglas Dodd, Capital City Home Inspections

Vicki Sue Doran, Homes & Land Magazine

Donald Driever, Four D Home Inspections

Brenda Duclos, Downey Savings

William Duffield, Chase Manhattan Mortgage Corp

Coleman Dukes, Landamerica Commonwealth Land Title Co.

Philip Duncan, Vitek Mortgage Group

Heather Dunsing, Calif State Automobile Association

Jim Eggleston, Sign Post, The

Mitchell Ellison, Pacifica Resources

Shastina Eloff, California Title Company

Roxanne Elsas, American Geotechnical

Corina Epperly, Epperly Appraisals

Tony Estigoy, All Fund Mortgage

Ted Evangel, Placer Title Company

Marcia Evans, Evans Mortgage Company

Greg Farr, Chicago Title Company

Sam Fattah, Interior Door Replacement Co. of Sacramento

Denise Felske, Nelson Properties, Inc

Kris Ferrari, Fidelity Nat’l Hm Warranty

Gloria Ferry, Neighbor’s Financial

Donald Findlay, Findlay, Don Jr & Assoc

Len Fishman, Pacific Appraisers

Donovan Flores, Moineau Design

Herbert Foster, Foster Appraisal Services

Donna Fox, Eagle Home Mortgage

Oscar Fregoso, Homeguard, Inc.

James Fugate, Fugate Appraisal Services

Bill Fung, Union Capitol Loans

Sean Galliher, Advanced Solutions

Yvette Garay, Capitol Mortgage Corp.

Magno Garay, Capitol Mortgage Corp.

Affiliate Member Benefits

Continued on page 9


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ETHICS CORNERCODE OF ETHICS ARTICLE 12

REALTORS® shall be careful at all times to present a true picture in their advertising and representations to the public. REALTORS® shall also ensure that their professional status (e.g. broker, appraiser, property manager, etc.) or status as REALTORS® is clearly identifiable in any such advertising. (Amended 1/93)

CASE INTERPRETATION: Case #12-15: Links to Other Internet Sites (Adopted April, 1998). (Copyright National Association of REALTORS®, Reprinted with permission from the National Association of REALTORS® Code of Ethics and Arbitration Manual.)

Noting the increasing numbers of people using the Internet, REALTOR® A decided to have a web site designed. She hired a consultant and proceeded to plan her site and its contents. Realizing

that her web site might be enhanced by providing a link to all the local listings on REALTOR.org, she decided to have her web site designed to provide such a link.

A few months later, REALTOR® B, a competing broker in the same community, was surfing the web and happened upon REALTOR® A’s new web site. Upon exploring it, he discovered the link to REALTOR.org which included REALTOR® B’s listings.

REALTOR® B immediately filed an ethics complaint with the local Board of REALTORS® alleging that REALTOR® A had violated Article 12 of the Code of Ethics as interpreted by Standards of Practice 12-4. Following review by the Board’s Grievance Committee, the complaint was scheduled for a hearing before a Hearing Panel of the Board’s Professional Standards Committee.

At the hearing, REALTOR® B argued that by providing a link to the listings

on REALTOR.org. REALTOR® A was advertising without authority all the listings in the local MLS on her internet web site.

REALTOR® A countered saying that in the culture of the Internet, it is well established that links are merely a method of “pointing” or “referring” to another site; that the information had not been altered nor had any information been deleted; and that people who view internet web sites understand that. She went on to analogize what she had done to distribute copies of the local homes magazine. Even though the magazine contained ads promoting other REALTORS®’ listings, by delivering that information to prospective buyers, she was not advertising their listings.

After hearing all relevant testimony, the Hearing Panel went into executive session and concluded that by linking to an Internet web site which contained the ads of other REALTORS® listings, REALTOR®A had not engaged in unauthorized advertising and had not violate Article 12.

C.A.R.’s Leslie Appleton-Young

Captivates Members at November Main

MeetingAs usual C.A.R.’s Chief Economist

came to SAR armed with fascinating and useful economic information. Appleton-Young felt that the biggest question for the 2006 market was where interest rates were going and if consumer spending would decline.

REALTOR® MembershipAppleton-Young stated that real estate

is a cyclical industry and successful REALTORS® will adjust to the expected “correction” in the market. However, most Association Members have been in the business for 18-24 months. They may find it more difficult to ride the cyclical wave. Many of these new Members will only do 1-3 deals per year, primarily with relatives.

Expensive HomesAccording to Appleton-Young, there

is a 3.3 month supply of higher levels of inventory. The long-term average is 6.3 months. California’s million-dollar home sales jumped from 9,601 in 2001 to 33,107

Continued on page 13

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Gregory Garcia, Gregory A. Garcia Real Estate Appraiser

Paul Gault, Gault’s Home Inspections

Stephen Germoles, Comstock Mortgage

Julie Gibson, Downey Savings

Steven Giguere, Funding Centre

Darrick Giles, North American Title Company

Wes Gill, Scott & Associates Financial

Alan Glabe, American Dream Home Inspection Services

Jim Graham, GMAC Mortgage

Nakia Grant, Van Beurden Insurance Services, Inc.

Yvonne Greenwood, Residential Pacific Mortgage

Larrie Grenz, Ames-Grenz Insurance Srvs, Inc

Mathew Grizzle, Nextel-Capital City Ventures

Jennifer Grove, Independent Candle Consultant

Stephen Haberman, Haberman, Stephen T, R E Appr

Allan Haddox, Haddox, Allan F, P E

Michael Hall, Downey Savings

Suzanne Hannah, Hannah Appraisal Service

Sheryl Hanson, Allied Capital Loans

James Hanson, James S. Hanson

Christopher Hanson, Hanson Law Firm

Jennifer Harris, Sac Home Loan Counseling Ctr

James Hartigan, Appraisal Department

David Heard, Irwin Mortgage Corporation

Christina Helman, Property ID

Shelly Henderson, Real Estate Weekly

John Hill, Nehemiah Home Loan

Michael Himes, Sacramento Neighborhood Housing Services, Inc.

Raymond Hlavna, Center West Insurance Agency, Inc.

Jim Holmes, Big Valley Mortgage

Kathy Hood, Calif State Automobile Assn

Laurel Housh, Buyer’s Home Warranty Co.

Kyra Hunt, Hisco Home Warranty

Deborah Huntington, DLH Processing

Mike Huntzinger, HHH Inspection

Dean Inobe, Stanford Mortgage

Brent Irick, Cal-Vintage Roofing Co, Inc.

Janice Jenks, Calif State Automobile Association

Karen Johnson, Waterfield Mortgage

Mohammad Joolazadeh, American Geotechnical

Jon Kaempfer, Sacramento Valley Financial

Gus Kaplanis, Real Estate Buyer’s Guide Magazine

Steven Kappel, Kappels Mortgage Group

George Kim, Downey Savings

Aaron Klinger, Klinger Appraisal Service

Rebecca Kopecko, Rebecca Kopecko, Appraiser

Brenda Koster, Vitek Mortgage Group

Bennett Kovac, Kovac Commercial, Inc.

Lisa Krause, Greater Sacto Appraisal Co

Edward Kroesing, Kroesing’s Custom Home Inspection

John Krueger, Krueger Appraisal Service

Sue Kuhn, Big Valley Mortgage

James Landers, California Appraisal Svc

Shilo Landis, Doublecheck Inspections

Kirk Lange, Cornish & Carey

DJ Larson, DJ’s RE Support & Notary Public Services

Gina Ledesma, Empire Home Loan Corp

Paula Lee, National Analytical Laboratories, Inc.

Victoria Lee, Partners Mortgage Corp

John Lee, Airgenix, Inc.

Barbara Lehman, Human Rights/Fair Housing Comm

Desmond Lenz, Big Valley Mortgage

John Leonardi, JCP Geologists

Monica Liljegren, Calif State Automobile Association

Thomas Lincoln, Union Capitol Loans

Gary Link, Law Office of Gary Link

Judy Little, California Moving Systems, Inc

Robert Longo, See360.Com

Donald Lorette, Check It Out! Inspection Specicalist

Tim Lyndaker, Lyndaker Appraisal

Brent MacIntosh, Countrywide Home Mortgage Lns

Roy Malone, Western Sierra National Bank

Loretta Manfre, Washington Mutual

Karen Mangin-Finn, Mangin-Finn, Karen

Richard Manning, First Mortgage Corporation

Steven Marshall, Marshall, Steven, Appr Svcs

Alyc Maselli, North American Title Company

Pete Mazzuca, Cal-Vintage Roofing Co, Inc.

Lisa Mazzuca-Perry, Cal-Vintage Roofing Co, Inc.

David McCoy, Sprint

Sara McElroy, USE Credit Union

John McGraw, American Pacific Appr Co

Tony McGuire, McGuire Software

Tim McGuire, Olsen & Fielding Moving Svcs

Laura McHugh, North American Title Company

Jim McKelligon, Union Capitol Loans

Baird McKnight, Chase Home Inspection Group

T.J. McLaughlin, Wells Fargo Home Mortgage

Sheri McLaughlin, Wells Fargo Home Mortgage

Bruce McMahon, Appraisal Services

James Meinert, Parker Stevenson

Tami Mellor, Capitol Mortgage Corp

Jeffrey Melton, Pacific States Property Inspection

David Mendoza, Comstock Mortgage

Christy Menig, Calif State Automobile Assn

Wayne Merriam, Signs Plus of Roseville

Michael Meyer, The Funding Centre

David Middleton, QFI, Inc.

Alan Mietus, First American Title Co

Michael Miklaus, Integrity Mortgage

Patti Mikulin, Countrywide Home Mortgage Lns

Tim Mikulin, Old Republic Title

Mikey Miller, American Home Shield

Bradley Miller, First Mortgage Corporation

Dale Miller, First Mortgage Corporation

Marvin Miller, Landamerica Commonwealth Land Title Co.

Steve Miller, North American Title Company

Eva Molina, Molina Service Center

Candice Morgan, Pacific Wallboard Service

Linda Morgan, Washington Mutual

David Morrill, USA Schools, Inc.

Sandra Morris, Stanford Mortgage

Michael Mos, Calif State Automobile Association

Lambert Munz, Arbour Real Estatee Management, Inc

W Scott Murray, Murray, W Scott, R E Appr

Jeffrey Nauertz, World Inspection Network

James Nelson, Nelson, James E

Bill Neuharth, Halcyon Finance

William Newell, Control Management

Kevin Oclaray, Wells Fargo Home Mortgage

George O’Neil, Nspectrite LLC

Joseph Orbeck, Sure Look Home Inspection

John Orr, Building Industry Association of Superior California

Francis Owens, Owens Appraisal Associates

William Packer, William L. Packer II

Paul Pahwa, Commission Express

Jay Pak, Calif State Automobile Association

Andrea Parker, Ben Parker Appraisal, Inc.

Steven Parrish, Building Pi

Catherine Patrick, Broker Agent Magazine

Robert Paulsen, Investors Trust Mortg & Invest

Derek Pearson, Downey Savings

Myron Pennington, Liberty West Home Loans

Alvaro Perez, Calif State Automobile Assn

Judith Persin, Persin Brothers

Scott Peterson, Peterson Property Inspection Group

Cindy Picos, Financial Title Company

Ted Pierce, HalcyonFinance Company

Graham Pitzer, Pitzer Home Inspection

Tim Podbreger, Real Vision R.E. Visual Home Inspections

Ron Powell, World Savings & Loan Assn

Sheri Powers, California Title Company

Marv Poyser, Wells Fargo Home Mortgage

Doug Radovich, Washington Mutual

Sherri Radovich, Washington Mutual

Dinnes Ramey, Evans & O’Brien

Michele Rapozo, American Capital Financial Services

Janet Regan, Horizon Properties

Don Reid, Dezzine “UR” Book (Publisher)

Debra Reimche, Realty Roundup, Inc.

Kurt Reisig, Big Valley Mortgage

Stewart Richardson, Advance Look Building

Inspections & Environmental Testing

Madia Risi, RMG International

Kimberly Ross, Sacramento Credit Union

Eric Russi, CA Association of Mortgage Brokers

Hector Salazar, Calif State Automobile Assn

Matt Schott, Fieldstone Mortgage Company

Leslie Schuler, Leslie C Schuler, CLU, CHFC

Mary Scott, Law Office of M. Elizabeth Scott

Cynthia Sharp, Countrywide Home Loans

Daniel Sherrets, The House Detective (Home Inspections)

Kelly Shively, The Sacramento Bee

Scott Short, Empire Home Loan Corp

Art Sims, North State Mortgage Co, Inc

Mary Anne Sloan, American Home Shield

Neal Smith, NKS Financial

Paul Smith, 1st Sierra Mortgage Co

Helen Smotherman, H I S Appraisal Services

Mark Snyir, Two Men and A Truck

Victor Sparks, Renaissance Home Inspections

Cathy Spencer, Sacramento Valley Financial

Kim Spitze, Home Team Inspection Service

Mark Sprenger, eSource Marketing

Lisa Steele, Old Republic Title

Jessica Stephens, Financial Title

Michael Stewart, Calif State Automobile Association

Michele Stewart, Wells Fargo Private Mrtg Bank

David Stewart, Vintage Capital Advisors, LLC

Donald Stocker, Platinum Mortgage Company

Mark Stoner, Realty Assistance RASST

Asher Styrsky, Styrsky Insurance Agency

Richard Sutherland, Safeguard Home Inspection Group L.L.C.

Julie Sutliffe, Sutliffe Appraisal Service

Richard Sutliffe, Sutliffe Appraisal Service

Palmer Swanson, Palmer J. Swanson P.C.

Linda Swinton, Cal-Bay Mortgage

Phyllis Sylvia, Placer Title Company

Angela Talent, Allied Capital Loans

Ron Tan, Realty Reel

Telly Tasakos, Countrywide Home Loans

Karen Taylor, ECS Mortgage & Realty

Brett Thacker, Downey Savings

Dina Thomas, Empire Mortgage

Scott Thompson, Scott Thompson, Appraisal

Richard Triffo, Wells Fargo Home Mortgage

Robert Turrietta, Vitek Mortgage Group

John Tyler, Placer Title Company

Bobby Uppal, Uppal Insurance & Financial Services

Stamatina Valcanas, Investors Trust Mortg & Invest

Michelle Van der Veer, Stay Connected Marketing

Willie Van Weele, New Century Title Company

Janice Varozza, CB Richard Ellis

Kristine Vasquez, Buyer’s Home Warranty Co.

Shaun Velayas, Crestone Mortgage

Jennifer Vicari-Cox, Fidelity National Title

Alan Wackman, Sacramento 1st Mortgage

Anthony Wall, Golden Horizon Mortgage, Inc

Marla Watkins, Premier Financial Group

Jeremy Watts, Fieldstone Mortgage Company

Larry Webb, Webb Appraisal Service

James Weiant, Chipman Relocations

Brett Weingart, Weingart Home Inspection Services

Tara Wells, Old Republic Home Protection

John Wellsandt, Wells Fargo Home Mortgage

Charles West, West, Charles

Beth West, West Companies

Patti Wilburn, Calif State Automobile Association

Robert Willett, 1st Sierra Mortgage Co

Julie Williams, Chicago Title Company

Alice Willis, HomeFocus Valuation Services

Bill Wilson, Sterling Termite Control, Inc

David Winn, Winn, David M

Brenda Witt, Discover Home Mortgage

Melody Wood, RBC Mortgage

Jeff Yonamine, Exchange Resources, Inc

Nita Young, Broker Agent Magazine

Kelly Young, Kelly Young

Gary Young, Sacramento County Assessor

Tom Zakrzewski, House to Home Inspections

Randy Zopf, Roseville Termite and Pest Control Inc.

New AffiliatesContinued from page 7


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� FREE “Nuts & Bolts” PropertyManagement Class 2nd Tuesday each month7pm 1401 El Camino Ave. Ste. 200 Sacramento, CA 95815

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SAR Educational OfferingsFor the most current schedule, visit www.sacrealtor.org.

To register, download registration forms from www.sacrealtor.org and fax to SAR or contact Devyn Henry at [email protected] or 437-1210.

CRS 204: Creating Wealth Through Residential Real Estate InvestmentsThursday and Friday, January 5-6, 2006

SAR Mack Powell Auditorium

$285 if paid by 12-30-05; $310 if paid after that date

More people have become wealthy investing in real estate than many other investments. Agents who want to learn the specific secrets to smart real estate investments can discover them in this course. Students will learn how to identify the right opportunities, compare real estate with other investments and create additional wealth — for themselves and their clients. This high-energy course explores another way to generate sales that has been overlooked. And the results can be life changing! This class is a must for any real estate professional looking to create wealth through residential real estate investment.

Financial calculator required. CRS suggests the Hewlett Packard 10B.

What skills can I immediately apply to my career?• Identify money-making opportunities• Comparing potential investment

opportunities• Retirement planning and investing• Calculating initial investment to rate of

return

Sales and Life Mastery SeminarFriday, January 27 from 9-11amSAR Mack Powell AuditoriumCost: $10 if paid by Jan. 25; $15 afterPresenter: Randy Masters, Masters Team Mortgage

Prepare to move your vision for success forward by focusing on the power of your unique energy – your true intention.

Topics:• Uncover your winning edge by seeing the

unlimited possibilities of your potential• Choose the road to mastery• How to build yourself into a spirited sales

professional • Drive you efforts to ensure the close

Real Estate Professional Assistant Training

Monday-Tuesday, January 30-31, 2006SAR Mack Powell Auditorium

$250 if paid by January 26$270 if paid after January 26The Real Estate Professional Assistant

(REPA) course is a comprehensive two-day certification program that provides an intensive introduction to the real estate business and to the specific ways support staff can become valuable assets to their employers. Every administrative employee in the brokerage office, from the listing secretary to the personal assistant, will benefit tremendously from this quick-start program. Employers will save time and money with this resource for professional training while giving new employees a sense of belonging and career that comes from identification with the industry.

Topics:• Understand the business of real estate

• Comprehend key marketing concepts

• Know how to manage the transaction

• Be familiar with local listing and sales forms

• Know the difference between licensed and unlicensed

• Understand the types of agency repre-sentation and disclosures

• Know what MLS is and be familiar with input forms and reports

• Be familiar with the level of profes-sionalism and ethics expected of them

How to Handle an Upside Down/Underwater Home SaleWed., February 1 from 9am-12noonSAR Mack Powell Auditorium$35 if paid by January 30$45 if paid after January 30Topics

• How to compute a home seller’s short fall from escrow

• If a seller owes more than what the home is worth, which is the best way to go? Add cash? Short sale? Foreclosure? Pros & Cons of each.

• Recourse versus non-recourse loans.. personally liability issues

• Impact on FICO scores and debt forgiveness income tax considerations

• Hardship reasons the lender might consider to allow a short sale

• Disclosures in the listing agreement, MLS, deposit receipt when there is a short sale

Feng ShuiMonday, Feb. 13 from 10am-1pm

SAR Mack Powell AuditoriumCost: $30 (members) $40 (non-members) if paid by Friday, February 10Topics

• Introduction to the fundamental principals of Feng Shui

• Understanding the residual effects of the previous owners and of their property history

• Specific and practical ways to make Feng Shui adjustments

• Successful selling and purchasing insights for residential and commercial properties

2006 Winter Semester Intern Sponsors Sought

Are you interested in hav-ing an Intern? The Sacramento Association of REALTORS® Internship Program is getting ready for their Winter Semester and sponsors are needed.

The internship program is a partnership between Los Rios Community Colleges and SAR. Interns receive first-hand expe-rience in your real estate office while attending regularly sched-uled educational sessions at SAR. You can play a vital role in this important program by agreeing to sponsor a SAR intern.

Intern interviews will be held on Friday, December 9 from 12:30 to 4:30 p.m. at the SAR Office located at 2003 Howe Avenue.

If you are interested in partici-pating or have any questions, please call Pat Hogerty at (916) 539-3885

MASTERS CLUB FIFTH MONDAY VOLUNTEERS WHO HELPED PREPARE LUNCH FOR 1,000 AT LOAVES & FISHES ON OCTOBER 31ST, FROM LEFT: ROBERT LUCIA–PRUDENTIAL REALTY, ANDY THIELEN–LYON REAL ESTATE, JEFF MANNING–REALTY WORLD, FAYE LAWRENCE–LYON REAL ESTATE, JOLEEN JARVIS–COLDWELL BANKER. VOLUNTEERS NOT PICTURED: MIKE MEYER – THE FUNDING CENTER AND SHOLEH PEYMAN–KELLER WILLIAMS

That’s what we do. A CREIA Inspector member does a thorough, independentvisual examination of the physical structure and systems of a home. QualifiedInspector members of the California Real Estate Inspection Association (“CREIA”),a nonprofit industry and consumer organization, are tested professionals whoadhere to CREIA’s Standards & Code of Ethics. When you’re looking for aninspector in California, look for the CREIA logo. Contact CREIA to locate aqualified Inspector in your area.

www.CREIA.org800/388-8443

We’re Getting An Eyeful.

The Symbol ofProfessionalismin the California Real EstateInspectionIndustry

Look for the online locator button for

a quick listing

REGISTER ONLINE FOR SAR CLASSESIt’s now easy to register for your

SAR classes. Simply visit www.sacre-altor.org – go to the “Education” link and click on “All classes offered cur-rently.” Here you will find a link to a secure site on which to register for the

classes you desire. If you have any questions, email

[email protected].


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As a 2006 Sponsor of the Month you receive the following benefits:

Month-long recognition

• A brief announcement at the month-ly Main Meeting

• Promotional fliers on the chairs at the monthly Main Meeting

• Banner at monthly Main Meeting (supplied by sponsoring affiliate)

• Fliers at weekly Regional Meetings (up to 20 meetings depending on the month selected)

• Banner displayed at all SAR Educational Programs each month (approximately 5 classes)

• Fliers at SAR New Member Orientations (approximately 10)

• Fliers inserted into SAR Retail Center shopping bags

• Recognition in the monthly SAR newsletter

• Four seats at the annual SAR Directors and Officers Installation Luncheon

• Recognition in the official Installation program

• Framed Certificate of Appreciation

Month-long recognition

• Sponsor pins for Designees of the Affiliate Member

• Sponsor’s name will be listed on 2006 Banner of SAR Sponsors of the Month to hang in the SAR lobby

Becoming an SAR Sponsor of the Month is an excellent opportunity to advertise your products and services among our Membership of over 8,000 REALTORS® while supporting SAR educational and networking events. Cost: $5,000

If you are interested in becom-ing a Sponsor of the Month, contact Judy Wegener at 437-1207 or email [email protected].

Heartfelt Thanks From Gulf Coast REALTORS®

REALTORS® across the U.S. answered the call for help from those whose lives and careers were turned upside down by Hurricanes Katrina and Rita. In all, NAR collected over $5 million from 11,000 members to assist some of the 9,000 REALTORS® effected by the disaster.

Following are excerpts from letters written by individual REALTORS® who received aid from the NAR relief fund. These words are addressed to the many SAR members who contributed generous-ly to their fellows in a time of great need.

“Thank you so much. We deeply appre-ciate your help. Since Katrina things have been OK but my husband still has not found employment. We are very grateful for your help. God bless you.”

—Brenda Schaubhut

Huntsville, Alabama

I want to thank you for your help. God sent you to me. Everyone here has been so wonderful. Thank you just doesn’t seem to be enough to say. I will say a prayer for all of you every night.”

—Zadie Gillum

Waveland, Mississippi

“Filling out the form for disaster relief seemed like it would be just another exer-cise in futility and yet - one must get on his feet again. I could not believe it when your generous check arrived. What a bless-ing! Thank you.”

—Lucy Lee

Fairhope, Alabama

“There are no words to explain the emotional state after seeing your home destroyed. But generous organizations like NAR help give hope encouraged me to start rebuilding my home and life again. Many thanks for your generous gift and prayers. God bless!”

—Linda Blosser

Slidell, Louisiana

“We went to New Orleans on October 8th and found nothing salvageable. Mud, mold, wet and broken furniture, clothing and rust. The water came in at about 10 ft., but settled at 6 ft. and remained in the house for 10 days. Thank you so much for the money. It will help for a new begin-ning. After accumulating so much during a lifetime and losing it all in a day, your help is truly appreciated. Adam and I are very grateful for the funds. As of this date, we have not received any money from FEMA. This money will be used wisely, from gas, food, clothing to temporary housing. Thanks a million.”

—Dianna and Adam Abrams

New Orleans, Louisiana

in 2004.

Rising Homes PricesC.A.R.’s Chief Economist stated that

the reason for rising home prices was due to economics 101: strong demand and restricted supply. The demand comes from low mortgage rates, the number of baby boomers, and investors moving out of the stock market to real estate as an alternative investment choice.

Is there a Housing Bubble?According to Appleton-Young, NO.

She believes that the real estate market is simply self-correcting and in for a soft landing. In order to have the housing bub-ble burst, there needs to be an oversupply of inventory. If rents get soft, this could effect the industry as investors will be less inclined to continue buying real estate.

Proportion of First-Time HomebuyersThe number of first-time homebuyers

are declined dramatically since 1995 when 50% of all homes sold were purchased by this demographic. In 2005, the number of first-time homebuyers was only 30.5%. In terms of type of home purchased by first-timers, condo purchases are on the rise. In 2004 condos outsold single-family homes two to one (California statistics).

2006 California Housing Market Forecast

Appleton-Young states that there will be a slight decline in home sales. The median price will rise from $523,150 to $575,500. Housing affordable will go from 17% to 15%. Central Valley and Inland Empire are the areas of California growing more rapidly.

Leslie Appleton-YoungContinued from page 8

Become an SAR Sponsor of the Month


Public Image of REALTORS® Reaches All -Time High

A recent message from the National Association to State and Local association execs contained some very positive news. Public opinion of the nation’s REALTORS® has reached an all-time high for the third straight year according to an annual track-ing survey conducted to measure the effec-tiveness of the eighth season of the National Association of REALTORS®’ multimil-lion-dollar Public Awareness Campaign.

The survey’s composite image score of 19 beliefs, opinions and attitudes about REALTORS® rose from 56 percent in 2004 to 59 percent—up 11 points since 2002. The survey also found that the likelihood of real estate consumers to use a REALTORS® over a real estate licensee who is not a REALTORS® rose 4 points to 64 percent this year.

Some of the consumer beliefs and opin-ions that improved most over the past 12 months are: “REALTORS® bring the latest technology to buying and selling a home” (up 6 points to 63 percent); “REALTORS® have the expertise to help sellers price their home fairly” (up 4 points to 64 percent); “REALTORS® earn their commission” (up 6 points to 50 percent) and “REALTORS® advocate private property rights of hom-eowners” (up 12 points to 54 percent).

“Public support for REALTORS® and the value REALTORS® bring to the real estate transaction is higher than it has ever been. Consumer attitudes towards REALTORS® have been improving steadily for the past few years due to many factors, especially the effectiveness of the Public Awareness Campaign,” said NAR President Al Mansell of Salt Lake City.

Total awareness of NAR’s television and radio advertisements reached the high-est level in the history of the campaign. Awareness rose 2 points to 73 percent—reaching nearly three out of four real estate consumers in America. In 2005, 55 percent of consumers recalled seeing or hearing at least one of the NAR advertising execu-tions, an increase of 2 points over 2004. Awareness of the call to action introduced last year, “Ask your agent if they’re a

REALTORS®, a member of the National Association of REALTORS®,” increased from 32 percent to 39 percent.

Beliefs about REALTORS® that improved the most this year were: that they have the best network of sources to help buyers and sellers (79 percent up 6 points over year ago); that they are best qualified to promote the sale of a home (73 percent, up 12 points); that they are professional (70 percent, up 13 points); that they conduct business with ethics and integrity (69 per-cent, up 11 points); and that they get the job done properly (68 percent, up 10 points).

Buyers who purchased a home in the past 12 months reported a jump from 39 percent to 56 percent in agents identify-ing themselves as REALTORS®, while sellers reported an even more dramatic 23 percentage point gain, from 41 percent to 64 percent.

REALTOR® support for the advertis-ing campaign continues at levels similar to those last year, according to a survey of NAR members conducted in concert with the consumer survey. Ninety-eight percent of all NAR members favor the ad program, 94 percent would like to see more adver-tising, and 78 percent rate the advertising

effectiveness as excellent/very good (up four points). Sixty-seven percent of mem-bers, a significant 10 point gain over last year, cite NAR’s advertising as an important reason for joining the association.

The National Association of REALTORS® Public Awareness Campaign kicked off its eighth season last February and it will end next week. New ads this season featured people talking about their real estate experiences and touting the benefits of working with a REALTOR®. The ads encourage consumers to contact a REALTOR® first when it comes time to buy or sell a home or lease a commercial space.

The $25 million advertising campaign featured four new television commercials this year and four new radio spots, as well as new customizable print ads, posters and Web banners for state and local associa-tions to use. Commercials included NAR’s first-ever Spanish-language television ad. The new spot, which closely resembles the English-language version, featured Hispanic Americans sharing their hopes, dreams and stories about trying to achieve the American dream of homeownership.

EVP ExchangeBy Nelson Janes,SAR Executive Vice President


By Greg Vlasek, Director of Public Affairs

NAR Ranks Real Estate’s Top Government Policy Issues

At the San Francisco business meetings in late October, NAR issued the results of a political issues survey. A total of 292 real estate association executives, CEOs and govern-ment affairs directors participated, about 10% of those from California.

The results provide an enlightening perspective on what political issues are weighing most heavily on the minds of our executives nationally and what are likely to be the most prevalent on 2006 political action agendas.

I’m taking a little artistic license here, because the context of the survey was, more precisely, issues that respondents believe warrant more or less research and policy devel-opment than NAR is currently providing. It’s a short leap of reason to assume that issues needing more attention and issues of greatest concern to association executives are one and the same.

Here’s a rundown of the top 10 overall issues:

1. Tax on commissions 72%

2. Association health plans 70%

3. Eminent domain 67%

4. Federal preemption of state law 63%

5. Minimum service standard 59%

6. Financial incentives for economic development 58%

7. Listing data ownership 57%

8. State and local taxes/public finance 56%

9. Smart growth/land-use 52%

10. Affordable housing 51%

The percentages shown indicate respondents who said they need more or much more information about the issue to effectively manage their Association’s needs.

The top 10 list of issues facing local associations pretty much tracks the overall list above. When asked to respond about state issues, association executives responded some-what differently.

The top 10 issues facing REALTORS® at the state level:

1. Eminent domain 82%

2. Association health plans 80%

3. Federal preemption of state law 78%

4. State of local taxes/public finance 71%

5. Remediation of methamphetamine labs 62%

6. Tax on real estate commissions 62%

7. Disclosure of methamphetamine labs 60%

8. Minimum service standards 60%

9. Smart growth/land-use 60%

10. Predatory lending/fair lending 56%

It’s clear from this survey -- as it was from the several forums held on the subject during the NAR meetings -- that eminent domain abuse is a problem REALTORS® are ready to take on at the state level. As advocates of private property rights, REALTORS® should be the watchdogs against unfair government seizures of private real estate.

That’s understandable. But who here in Sacramento would have guessed that over 60% of REALTOR® associations nationwide would have ranked dealing with methamphet-amine labs as a priority government action item?

Did association executives (AEs) see things differently and government affairs directors (GADs) in the survey?

The number one issue for AEs nationwide in 2005-2006 is federal legislation to require small-business and Association health care plans, something California already has. We actually oppose a national program because it would preempt California law and impose a lower level of health benefits.

The runaway number one issue for GADs nationwide? Eminent domain abuse. Interestingly, concerns about state and local taxes on REALTORS® also ranked high among GADs, but not association executives.

Here are two final observations about the NAR survey and government affairs agenda for 2006. Banks in real estate barely registered a blip on the radar screen of association issues, perhaps in light of positive news from Washington D. C. about changes on the House Banking and Finance Committee. Meanwhile, the new 800-pound gorilla among real estate issues -- reduction or elimination of the mortgage interested deduction -- is also absent among the list of key issues, owing to the fact that it emerged after the mid-October survey was completed.

Stay tuned!

By Susan Potter, Master’s Club Steering Committee

The Spirit of Giving began a little earlier than normal this year. Rather than waiting until Christmas, Masters Club distributed $5,000 to each of their nine chosen charities on Friday, November 18 during their Masters Club Annual Breakfast at Arden Hills Country Club. These funds were made possible as a result of their fundraising efforts at the October golf tournament. Representatives from Bishop Quinn Cottages; Center for AIDS Research, Education & Services; Children’s Receiving Home; Mustard Seed School; Sacramento Crisis Nursery; Stanford Home for Children; Stanford Settlement; Transitional Living and Community Support; and Wellspring Women’s Center gratefully received their checks and took a few minutes to speak to us about their individual charities.

While we were dining, our guest speak-er Mike McKeever gave us a stimulat-ing talk on how the Sacramento region will manage an effective doubling of the population growth by 2050. Mike is the Executive Director of the Sacramento Area Council of Governments, which is an association of local governments in the six-county Sacramento Region. SACOG provides transportation planning and fund-ing for the region. In addition to prepar-

ing the region’s long-range transportation plan, SACOG approves the distribution of affordable housing in the region and is undertaking a major effort to link transpor-tation and land development closely. Mike lives in Curtis Park with his wife, Nancy, and their two children, Elizabeth and Tom. Our thanks to Mike for taking time out of his busy schedule to enlighten us about a subject that directly relates to real estate—population growth and transportation!

Once, again we had a full house at this Master’s Club function and want to thank all of the Masters Club Golf Tournament participants and donors who made our generous charitable contribution possible. We also recognize Golf Tournament Chair Jennifer Burke who made this annual char-ity event another success.

.

In The Spirit of Giving!

REPRESENTATIVES OF THE MASTERS CLUB’S CHOSEN CHARITIES GENEROSITY SMILE WITH GRATITUDE.

GovernmentWatch


6

CRS 204 (A)8am-5pm

9

New Member Orientation/Key Class12:30pm Board Rm

10Presidents Installation 8:30-11:30am

Main Meeting (A)9:00am-10:30am

Community Relations 10:45am Prospector Training Adv (T) 1:00-4:00pm

12

GRI (A) 8:00am – 5:00pm

Legislative Committee (B)8:30am

Realtists (A)8:30am

Masters Club (B)9:30am Equal Opps. Comm (P) 11:00am

13

16

SAR closed for Martin Luther King Day

17

Regional Meetings8:15am or 8:30amDifferent locationsProspector Training Beg (T) 8:30-11:30am Prospector Training Adv (T) 1:00-4:00pmRegional Coordinators Meeting (B) 1:30pm

Interns (B) 2:00pm

18

New Member Orientation/Key Class (B)8:30am-12:30pm

Interns (B)2:00pm

19

Board of Directors (B)9:00am

Scholarship Meeting (P) 9:30am

Grievance Committee (B) 10:00am

WCR (A) 11:00am

20

23

Notary Class (A)8:00am-5:00pm

New Member Orientation/Key Class (B)1:00-4:00pm

24

Regional Meetings8:15am or 8:30amDifferent locations

25

New Member Orientation/Key Class (A) 8:30am-12:30pm

Housing Opportunity11:30am (B)

Interns 2:00pm (A)

26 27

Sales and Life Mastery Seminar (A)8am – 11am

Broker/Manager Forum (A) 8:30am

*Regional Meeting Locations

Central—starts at 8:15amSAR Auditorium

2003 Howe AvenueSacramento, CA 95825

Coordinator:Sherri Radovich,

Washington Mutual 567-5345

Orangevale—starts

at 8:15amOrangevale Community Ctr.

6826 Hazel AvenueOrangevale, CA 95662

Coordinator:Pam Poore,

Century 21 Select536-4200

South—starts at 8:30amElk’s Lodge #6

6446 Riverside Blvd.Sacramento, CA 95831

For Info:Karla Oppliger 422-3756

Elk Grove—starts at 8:15amStockman’s Community Center

9275 E. Stockton Blvd. (near Bond Road)

Elk Grove CAFor Info: Alan Wagner

686-4200

West Sacramento—starts at 8:30am **

Sacramento Yacht Club3365 S. River Road

West Sacramento, CA 95691For Info: Jim Piatt 375-1122

*Meetings held at all locations every Tuesday except the 1st

Tuesday of the month. **Meetings held on the 2nd

and 4th Tuesday.

January— (T) Training Rm; (B) Board Rm; (A) Auditorium

Meetings subject to change

11


30

RE Assistant Training (A)9:00-4:00pm

31

Regional Meetings8:15am or 8:30amDifferent locations

RE Assistant Training (A)9:00-4:00pm

5

CRS 204 (A)8am-5pm

Affiliate/Finance (A)8:30am

CanTree Committee (B)9:45am

PAC Trustees (B)11:30am

2

Office closed 3

Govt Relations (B) 10:00am

4


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december 2005 - sacramento association of … · december 2005 volume 7, number 12 prsrt std us...

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