December 2011

iPads, and Androids, and Facebook! Oh my! We certainly aren’t in the 20th century any more.

Advances in technology have changed the way many of us operate on a daily basis. We have “friends” we have never met and in places we have never been. We access more information from our smartphones than our predecessors could access in a lifetime and words like Google, Bing, Yahoo and Twitter actually mean something to us. As someone who is intrigued by and enjoys the conveniences technology brings to all of us, I am also aware of the need to ensure the core skills of our profession are not lost in cyberspace oblivion.

Naturally, we need to embrace, learn and utilize technology, but we cannot lose site of the fact we are in the people business; we aren’t just selling homes, land and buildings we are serving individuals, families and CEO’s. Our customers rely upon our ability to communicate, analyze data, navigate the complexities of contracts, understand market fluctuations, negotiate and cooperate with our counterparts. As great as technology may be, there are many things which still require time-tested business and industry-specific acumen.

The Osceola County Association of REALTORS® is one of your greatest tools to ensure you can deliver the expected skills of a 21st century real estate professional. Our association provides a venue for you to develop the relationships you will need to succeed, the training to help you accomplish the goals and needs of your customers, the professional ethics our communities deserve and the exposure to technology, public policy, market data and industry adjustments we are expected to know, understand and articulate. I encourage you to make the most of the benefits provided through your membership in Osceola County’s premier real estate association – the Osceola County Association of REALTORS®.

Finally, as we conclude another year, I wish to thank you for the privilege to serve as your President. We have worked diligently this year to support our members, engage our community, increase our professional image, safeguard the rights of property owners, enhance the appeal of our facility and protect the businesses we have all worked hard to develop. I thank you for your support and ask you to join in helping advance our association and profession in the future.

Wishing you continued success,

Tim WeisheyerPresident

“The right to private property is the basis of freedom in this country and the source of our national unity.” – Ronald Reagan

Tim Weisheyer2011 PresidenT

OsceOla cOunty assOciatiOn Of realtOrs®, inc.

December 2011

December is a great time to start thinking about enhancing your career through professional development. By January our calendars will be bristling with options and integrating the National Association of Realtors’ and Florida Realtors’ calendars provides a wide variety of opportunities. Our association offered over 70 free continuing education credits this year geared toward your success and professional compliance. We also doubled our designation and certification courses at prices below most other offerings.

In today’s market, continuing education is one of the best ways to stay ahead of the competition. Now more than ever, successful agents must keep current on issues involving technology, changing legalities, and many other central components of the business. NAR and its Institutes, Societies and Councils created advanced education designation and certification programs to help members remain up-to-date in such a dynamic environment. Although other designations exist, an official NAR endorsement provides credibility to both clients and competitors. An ongoing relationship with those Institutes, Societies and Councils help Realtors stay on top of trends. In fact, there are many high-value online courses offered through the REALTOR® University — NAR’s Online Education Destination — at greatly reduced prices. Beyond building skills, knowledge and productivity, these prestigious programs enhance the professional image of REALTORS®, taking members to the next level of professionalism and service.

REALTORS® who pursue professional designations have a distinct competitive edge as a result of their increased expertise and marketability. Based on the 2010 NAR Member Profile survey data, the median income of REALTORS® with no designation was $29,700, and the median income of those with at least one designation was $51,500. There are correlations in risk management, as well.

OSCAR’s 2011 Professional Development Committee,

Chaired by Arlene Conow and Vice Chaired by Susie Graves, focused on spotting educational trends and opportunities and recommending solid options for members. This committee meets once a year with our Professional Development Presidential Advisory Group (comprised of member instructors and schools) to ensure that our members have cutting edge knowledge. If professional development is one of your passions, don’t forget to sign up for that committee. The 2012 Committee forms are located on our website or just call or stop by our office and we’ll get one to you right away! In fact, make sure to introduce yourself to Dorothy Campbell, Director of Professional Development, ask questions and keep us informed of your interests and needs.

For a complete list of the official NAR family designations and certifications, visit http://www.realtor.org/designations

Over 1500 of our members attended classes this year, a record for our association! It really shows how dedicated our members are to their profession and we, your REALTOR® Advocates, are proud to serve you! n

executive committeeFriday, December 16, 2011

8:00 AM - 9:30 AM BoARD oF DiRectoRS

Friday, December 16, 20119:30 AM - 11:00 AM

Learn More to Earn More in 2012!by Carol K. Platt, CRB

December 2011

FLORIDA REALTORS® NEWS!Florida REALTORS Education Foundation Update

The Florida Realtors® Education Foundation will be awarding scholarships for the 2012 – 2013 Academic School Year. The application will be on our website, www.floridarealtors.org beginning on January 1st. The deadline will be February 28, 2012. These scholarships are available for Florida high school seniors who will be attending an undergraduate college or university, and also for students currently enrolled in undergraduate or graduate studies at a college or university. The scholarship is open to Realtor members, their relatives, board staff and their relatives, and to any Florida student.

October new Member Welcome

tim Weisheyer, PA PresidentRenee clark President-Electveronica malolos Immediate Past PresidentSusan Graves Vice-PresidentDavid DeLoach TreasurerKim Goodwin SecretaryDanny villazon Legal Counsel

2011 OSCAR LeAdeRShip

DiRectoRS Daisy Cid Arlene Conow Karen Dierickx Cheryl Grieb Richard Knapp William Nichols Angel Ortiz Denise Sacks Hemendra Thakkar

December 2011

Membership Benefits Package Detailed...- Professional Education Value $ 865.00 (74 potential credit hours, $34 per 3 CE credit)- OSCAR ReView, Year Subscription $ 61.60- Listingbook, Annual Listing $3,600.00-Total Commercial Web Listing Subscription $ 60.00-Goomzee $ 120.00--Reality Statistics Subscription $ 150.00-Technology Resources (est. 20 hrs annually) $ 500.00-Legal Hotline/Advise (est. 5 hrs annually) $ 750.00-FR & NAR $ 241.00-Annual REALTOR Savings on MFRMLS Fees $ 178.00-NAR Brand Equity (license estimate) $ 4,500.00 (State/National Dues, Advocacy Assessment & Public Awareness Fee)-Dis-Discounts on Designation & Certification Classes-Discounts on Kaplan University & Valencia Classes-Free & Discounted Networking Events with 1600 members-Savings on Court Costs & Legal Fees Through Mediation & Low Cost Arbitration-Access to REALTOR Store

#1245442215# B12121212B C17777712C

Pay to the order of

2011Bank ofRealtors

Dollars

***A note from your REALTOR® Advocates – We appreciate the kind words that many of you have sent us this year - please use your association and take advantage of your benefits– we care about your success!

Osceola County Association of REALTORS® Inc.1105 Shady Lane ∙ Kissimmee, FL 34744

www.osceolarealtors.org407-846-0117

December 2011

Carol K. Platt, CRBAssociation Executiveae@osceola-realtors.com

Bob St. GordonControlleraccounts@osceola-realtors.com

Eli PerezMember Services Coordinatormembership@osceola-realtors.com

Kim WagarExecutive Assistantaeassistant@osceola-realtors.com

Dorothy CampbellDirector of Professional Developmenteducation@osceola-realtors.com

AssociAtion office

1105 Shady LaneKissimmee, Florida 34744www.osceolarealtors.orgcommunications@osceola-realtors.com407.846.0117 • 407.846.0217 fax

newsletter submissions

In order to share the wealth of information contained in this newsletter in an efficient manner, please submit your articles via e-mail or fax by the 10th of the monthly. Please clearly indicate that submission is for the Osceola ReVIEW.

Articles: communications@osceola-realtors.comAdvertising: accounts@osceola-realtors.com

For advertising inquiries please contact Bob St. Gordon at the Association Office. Your advertising defrays the cost of publishing. Thank you for your support.

The Osceola ReVIEW is printed exclusivelyfor the Association byThe Baker Press, Inc.

Orlando, Floridatel 407.290.5800 • fax 407.290.5977

www.thebakerpress.comDisclaimer: The Osceola ReVIEW is printed for the member and affiliates of Osceola County Association of REALTORS®, Inc. by The Baker Press, Inc. The Baker Press, Inc. nor the Association assume any responsibility for article content or advertising message as submitted for inclusion in the newsletter. Advertising and articles are not endorsed by the Association, nor is there any implied warranty by the Association or its staff.

MEET yOuR NEW REALTOR® ADvOcATES!

Dorothy campbellePro- Director of Professional DevelopmentDorothy is a proven education professional with over 30 years’ experience in general and business education, adult learning and vocational education, combined with a strong business background in program development, departmental management and customer service. At OSCAR, she is responsible for the planning, implementation, development and evaluation of the professional development programs and projects to provide optimum educational opportunities for our members. Dorothy has a BS in Business Education, a BA in Business Administration, a MS in Vocational and General Education and a MBA in Business Administration. She is a licensed educator in Kentucky and Florida for K-12 and College/Universities. She has three adult children, one in Oklahoma, one in North Carolina and one in Florida and two granddaughters.

Ally vallecilloMember ServicesAlly is adept at helping members with Supra keys, validating and updating records and REALTOR® requirements, registering members for classes and events, completing membership forms and finding answers for members! She knows every item in our REALTOR® store to help members attract prospects and move properties. When Ally is not at OSCAR, she is brightening everyone’s day as a stellar Gateway High School Senior. She lives in Kissimmee with her family and plans to major in psychology in the fall.

Kim WagarePro- Executive AssistantKim joined our association in 2011 to assist the Association Executive in administering the operations of the association, coordinating and administering events and committees and monitoring association technology hardware and software toward advancing the accomplishment of the association’s vision, mission and strategic plan. She holds a BA in Information Systems and is currently working on her Master’s in Information Technology-Project Management. Her background is in small business development and customer service. Kim resides in historic downtown Kissimmee and has a heart for the entrepreneurial spirit of REALTORS® and Affiliates and enjoys participating in their success through association activities.

December 2011

RPAc AucTION A SuccESSIt’s true — RPAC does Succeed — especially with the support of our Members.

Thanks to all of you who gave to RPAC through dues billing and especially by supporting our Annual RPAC Auction. We were the only Association in District 12 to not only meet our goal, but rather exceed it, coming in at 114%.

I want to give special thanks and recognize our 2 Event Sponsors:Beverage Sponsor: Goodwin Realty Food Sponsor Stewart Approved Title

These two companies have supported us for many years and we appreciate all that they do.

Thank you to our Table Sponsors: Coldwell Banker, Ackley Realty, Goodwin Realty, and Stewart Approved Title.

Remember: RPAC works for us — protecting our industry and very livelihoods while helping our customers achieve their dreams of home ownership. I urge you all to continue to enthusiastically support RPAC because:

Susie Graves2011 Chair, RPAC Committee

Promotional video - Florida Real EstateFlorida Realtors was on a trade mission to Brazil a few weeks ago and a video was put together to encourage Brazilians to buy real estate in Florida. The video was shown at a booth that Florida Realtors had at a Trade Expo in Sao Paulo. The video was done both in English and Portuguese. This is the link to the promotional video in English: http://www.youtube.com/watch?v=h9M4hnWOntI

Also, we are working on a generic video that will be available for download soon. The video will be in Spanish and English.

Please feel free to forward this video to your contacts in other countries and post it on your website.

If you have any questions, please let me know.

Vani Ungapen, CIPSDirector of Global Business and Legislative Research | FloridaRealtors®

P.O. Box 1853, Tallahassee, FL 32302-1853talk: 850.224.1400, ext. 2502 | 850.521.3297 (direct line)fax: 850.224.0702visit: http://www.floridarealtors.org

NAR is engaged in an important and necessary expansion of existing advocacy efforts, and to fund this expansion, the Board of Directors passed a dues increase at the 2011 Midyear Legislative Meetings & Trade Expo. To understand why we’re stepping up our REALTOR® Party Initiative in such a dramatic fashion, please refer to the following questions and answers.

1. Why did my dues bill go up?

In May 2011, NAR Directors from around the country approved a bold new initiative to increase the advocacy power of our organization on the national, state, and local level.

The real estate industry is facing monumental issues—in Congress, in the regulatory agencies that govern mortgage financing, in the statehouses dealing with critical budget crises and declining property tax revenues, and in municipalities and counties. Each of these issues impact REALTORS®’ ability to do business and serve clients.

In partnership, NAR and your state and local associations will help REALTORS® be influential at all levels of government, sharing our collective expertise about the industry and advocating for the rights of the nation’s home owners.

2. Specifically, how will the funds be used?

The funds will allow REALTORS® to strengthen and leverage their collective voice in support of sound public policy on property rights and home owner issues in their communities, and create and sustain an environment in which their businesses can grow. NAR will provide direct funding and grants to help state and local associations:

• Mobilize REALTORS® and property owners on key local, state, and national issues

• Implement RPAC fundraising initiatives.

• Tap into advocacy campaign support services and tools, such as a national voter registration database to help target messages, and consulting services to help associations maximize their political impact.

• Make independent expenditures on behalf of candidates, at all levels of government, who support the

REALTOR® Party agenda. Fellow members will decide how those funds are spent.

For a full list of available tools, funding opportunities, and support services currently available for state and local associations to enhance your advocacy activities, visit the REALTOR® Action Center’s Resource page.

In August 2011, more detailed information will be available at the REALTOR® Action Center on how and when state and local associations can apply for the enhanced advocacy tools that are part of this enhanced initiative.

3. Will we give NAR dues money directly to candidates?

Candidates are the ones who vote on issues, and issues drive our industry. Decisions on which candidates we support are made not at the national level but at the state and local level. Also, none of your NAR dues money will be used for a direct contribution to a candidate, but the money may be used to independently support a candidate’s campaign. This is commonly referred to as an Independent Expenditure campaign. Again, members at the state and local level will determine which candidates receive Independent Expenditure funding.

4. Why are we doing this now?

Home ownership and private property rights are under attack. Policies being proposed today threaten to transform, for generations, Americans’ ability to buy property.

Imagine a world without the mortgage interest deduction. Imagine a world where the flow of mortgage capital is unsteady. Imagine a world where buyers have to come up with a minimum 20% down payment or can no longer get a 30-year loan.

And this isn’t just about home ownership. Around the country, governments are seeking ways to close revenue shortfalls. We need the resources to fight proposals that would impose new taxes on our businesses and our customers and make it even harder for us to earn a living in real estate.

With the economy trying to bounce back from the hard knocks of the last few years, it’s more important than

Advancing the REALTOR® Party Initiative Q&A: NAR Dues Increase

ever that REALTORS® speak up and ensure that public policies, and our elected and appointed officials, support the recovery of the housing market and the economy as a whole.

5. What will this program do for me?

It will protect your profitability and your future. Every day, this organization is advocating for you on issues that impact your business, such as tax treatment of your income. We’re also fighting for policies that benefit your clients, such as preservation of the mortgage interest deduction.

You need to be able to run your business without excessive government intervention. Home ownership has to be a viable option for our children and their children. For investors, real estate has to be viewed as an advantageous place to put their money. Without those things, REALTORS® won’t be in business.

6. But i’m struggling to make ends meet now.

I understand and empathize. REALTORS® have been belt-tightening for five years and are justifiably tired. Unfortunately, these issues are confronting us now, at a time when the rules of the game have changed.

A 2010 Supreme Court decision that gave companies the green light to spend corporate dollars on political advocacy has made it more expensive than ever to communicate. In our case, corporate dollars are dues dollars.

Unfortunately, we can’t predict when federal, state, and local governments and regulatory agencies initiate issues that can deeply harm our industry. We also can’t change the fact that the Supreme Court changed the rules.

REALTORS® have a great track record in the public policy arena. We’re used to winning—but the corporate flow of money into advocacy has already begun to diminish our effectiveness. Every dollar of the increase will go toward advocacy, and with this additional resource, we can go on the offensive.

There’s no one else, frankly, who will stand up for our industry and our customers, as REALTORS® have been doing for the past 100 years.

7. How is this different from RPAc? Why am i still being asked to donate to RPAc?

RPAC is a voluntary program, and it’s still vitally important. RPAC provides the personal, “hard” dollars we use to make direct contributions to national, state, and local candidates. It will work in tandem with the new initiative, which includes more resources for state

and local RPAC fundraising initiatives.

Remember: the Federal Election Commission still requires that only “hard” dollars — that is, personal contributions — can be used for direct contributions to congressional candidates or federal parties, so your RPAC checks remain critical. We need our voice to remain strong.

8. Doesn’t NAR already advocate on behalf of ReALtoRS® and home owners?

Yes, it does. However, much of NAR’s political advocacy work has been focused primarily on the national level. The funding, programs, and services that are part of this expanded effort will strengthen REALTORS®’ impact on the state and local levels. In recent years, requests to NAR’s Issues Mobilization Program for support for state and local issue campaigns have doubled, indicating a clear need for increased advocacy support at these levels.

9. even if i support the concepts you’re talking about, why couldn’t NAR make cuts to avoid a dues increase?

NAR has made significant budget and staff cuts. Every operating area of the organization has instituted austerity measures designed to trim almost 23 percent off the Association’s expenditures. This is resulting in an overall savings of $15 million a year for the next three years.

It’s true that our members expressed opposition to the dues increase, and NAR heard you. But as we became more knowledgeable about the proposal and the circumstances around its introduction, three things became apparent:

n Concerns that the bad economy made this a bad time for a dues increase were compelling. But those concerns could not outweigh the fact that the political landscape has changed and the REALTOR® organization is confronting serious challenges now. Unfortunately, we couldn’t wait for a better economy to step up our game.

n Talk that we’re making some fundamental shift as an organization is misleading. Yes, NAR will be putting a considerably greater percentage of its resources toward advocacy. But NAR has been engaged in these activities — state and local mobilization efforts and independent expenditure campaigns—for many years. In recent years, as demand for these services has picked up, NAR has been funding some of this effort from reserves, and that couldn’t go on indefinitely — particularly given the need to amplify our voice today.

n RPAC alone isn’t enough. As successful as we’ve been at meeting NAR’s RPAC goals over the years, given the

December 2011

Advancing the REALTOR® Party Initiative cont.

level of money we collect from voluntary contributions — and federal and state rules that limit how we can use those direct contributions —RPAC alone can’t put us on a level playing field with opponents who can tap corporate money for their political advocacy efforts.

Collectively, we’ve made every effort to be respectful of how to spend every dollar we ask from you. But we’re at a critical tipping point and need to act now. Just as we’re sure your business has had to change to adapt to market forces, we need to change to adapt to the new public policy arena. Think of the issues your agents are dealing with today. If we don’t adapt, we can’t play. And we need to win these issues.

10. is this candidate independent expenditure program legal?

Yes, the Supreme Court ruling on corporate advocacy supersedes what was the law prior to that ruling. Under the ruling, it’s clear that dues funds may be used as corporate contributions in Independent Expenditure campaigns on behalf of candidates. Decisions for these expenditures are made by fellow members. Direct contributions to federal candidates will continue to come from RPAC.

11. Why is the association involved in politics?

As long as we’re regulated and taxed, we’re in politics. There’s no way around it.

12. Where can i learn more about the national, state and, local advocacy programs, specifically?

There is extensive information about NAR’s advocacy programs at RealtorActionCenter.com.

13. Where can i learn more about the Supreme court ruling?

In a nutshell, the 2010 Supreme Court case enabled “soft” dollars—in our case, dues dollars—to be used to support candidates who champion REALTOR® issues. This change has dramatically increased the amount of money corporations and non-profit organizations can devote to advocacy and has driven up the cost of running effective advocacy campaigns. For more on the case, Citizens United v. The Federal Election Commission, and on “hard” money vs. “soft” money, see “You May

Not Like It, But Politics as Usual Have Changed” on REALTOR® Magazine’s Speaking of Real Estate blog.

14. Who made the decision to fund an expanded advocacy program through a dues increase?

Many groups of volunteer REALTORS® worked throughout 2010 on a plan to help the organization adapt to the new political realities. They recognized that significant resources would be needed to implement their recommendations. After extensive communication and debate, the NAR Board of Directors voted that a dedicated dues increase was the approach to take. These funds will remain exclusively for advocacy efforts and cannot be redirected to general operational funds.

15. What if i don’t want to pay for this advocacy program?

We don’t want to lose you as a member, but the program is part of your dues and needs to be paid. If you choose not to pay, you lose out on the benefits of being a REALTOR®.

16. What benefits? the only reason i belong is to get mLS access.

Nationally, the association is focusing a majority of its resources in two critical areas: advocacy and technology to keep REALTORS® central to the transaction. But the collective power of NAR provides many other benefits as well, including educational programs and publications to help you stay up to date and increase your business success; discounts on business products and services; and direct communication with consumers about the value of working with a REALTOR.

If you aren’t aware of all the ways this organization serves you and your industry, we encourage you to spend time at your state’s or local association’s web site and REALTOR.org.

December 2011

The University of Central Florida has signed an agreement with the Chicago-based CCIM Institute to become a partner in the 16,000-member association’s University Alliance Program, which is designed to help University of Central Florida students and graduates achieve their real estate career goals.

The CCIM Institute’s University Alliance Program is an initiative that enables graduates of select Master’s programs from prestigious institutions of higher learning to become a Certified Commercial Investment Member (CCIM) at an accelerated pace. A CCIM is a recognized expert in commercial real estate and is among an elite corps of nearly 10,000 professionals in North America, Asia and Europe who has earned the CCIM designation. An additional 6,000 practitioners are pursuing the designation.

Through the program, qualified candidates may bypass CCIM’s CI 101 Financial Analysis, CI 102 Market Analysis, and CI 104 Investment Analysis courses that are generally required to earn the CCIM designation.

Students need only to successfully complete CI 103 User Decision Analysis, eight hours of negotiations training, and an online ethics course. A portfolio of qualifying experience, which documents closed transactions and consulting assignments, must also be submitted and approved. The final step to earning the CCIM designation is passing a comprehensive examination.

University of Central Florida is one of 35 schools participating in the University Alliance Program. Its real estate students will have the opportunity to become part of the CCIM network of commercial real estate professionals and take advantage of the technology and business resources available to CCIMs.

For additional details on the CCIM Institute’s University Alliance Program, visit: http://ccim-cf.com/ucf/

Rick Orr, PresidentTotalCommercial.comrick@totalcommercial.com

ucF Joins ccIM university Alliance

Local Government 101Graduates 21Chairman Dave Scherer’s Local Government 101 Program graduated its first class of 21 participants. Six weeks of class time on subjects like Florida Sunshine law, government finance and accounting, contemporary issues, zoning and planning prepared graduates for participation on a government Advisory Board or committee.

Instructors included former St. Cloud Mayor Donna Hart, Kissimmee City Manager Mike Stigerwald, Supervisor of Elections Mary Jane Arrington, City of St. Cloud Director of Planning Dennis Ragsdale, County Commissioner Fred Hawkins, St. Cloud Mayor Rebecca Borders, County Manager Don Fisher and former School Board member Pete Edwards.

The St. Cloud Chamber initiated this project to encourage community volunteers by educating them on the subjects that advisory board address. The next class will begin March 2012.

Graduates of this first class are: Pattie Burdick, Laura Caruso, Heather DeCarlo, Cynthia DeCoster, Eric Dohlan, Richard Estill, Tracey Estill, Robin Hengels, Cecil “Pete” Jones, Wanda Linscott, Rik Loeding, Veronica Malolos, Joe Mc Quaid, Naomi Norris, Traudi Rayzor, Janet Sterling, Richard Tonks, Keith Trace, Jason Ullrich, Tim Weisheyer and Jana Wood.

December 2011

TRADEs h o w s

uccess

December 2011

December 2011

South America culture is the combination of almost half of the cultures of this world. This continent has its own culture that was fostered by the native people who were the original part and inhabitant of this great continent. Countries: Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador,

French Guiana, Guyana, Paraguay, Peru, Suriname, Uruguay, Venezuela.

According to South America Information the size of the continent is 17,819,000 sq km. South America consists of 12% of the earth’s land. The diverse population of this continent has got 379,500,000 people, and stands as the fifth largest population in the world.

Natural Wonders: Angel Falls, Atacama Desert, Avenue of the Volcanoes, Galapagos Islands, Guanaabara Bay, Iguazu Falls, Lake Titicaca, Orinoco Delta, Pantanal, Amazon River, Tierra Del Fuego, Torres del Paine, Tungurahua Volcano, The Andes, Kaieteur Falls, Purace National Park, the Falkland Islands, Perito Moreno Glacier, Peninsula Valdes, Patagonia, the Darien Gap, Los Llanos, the Pantanal.

Brazil is the largest and most populous country in Latin

America, and the fifth largest in the world in both area and population. Its territory covers 8,514,877 km² between central South America and the Atlantic Ocean, and it is the eastern-most country of the Americas. It borders Venezuela, Suriname, Guyana and the department of French Guiana to the north, Uruguay to the south, Argentina and Paraguay to the southwest, Bolivia and Peru to the west, and Colombia to the northwest. The only South American countries not bordered by Brazil are Ecuador and Chile.

South America’s giant, Brazil is a seductive country with dazzling beaches, tropical islands and picturesque colonial towns. Its verdant rainforests boast an astounding array of wildlife, while its wildly energetic cities are home to a multitude of ethnic groups.

Brazil’s thriving economy has made it Latin America’s powerhouse, enjoying record growth in the last five years (Brazil currently ranks among the ten largest economies in the world). This is a country revered for its football prowess and rich musical traditions, which include samba, bossanova, tropicalismo, forró and numerous other distinctive styles.

Although Brazilians are a diverse bunch, “joie de vivre” is a characteristic shared by most of the country’s 192 million citizens. Carnival is the best-known manifestation of this celebratory spirit and is feted

South America – A Huge Marketing Opportunity!by Imran MohamedCo-chair of the International Alliance Committeeimrobin@earthlink.net

INTERNATIONAL ALLIANCE COMMITTEEInternational Alliance Committee

December 2011

throughout Brazil. Rio de Janeiro and Salvador are the best places to join the mayhem, when samba-filled parties erupt through the streets, and revelers dance and celebrate for days on end.

The population of Brazil is a melting pot of races, including indigenous people, descendants of slaves from Africa and the offspring of European immigrants. This variety is reflected in the food, architecture, music and culture of Brazil. It is this assortment of places, people and traditions that makes Brazil such an unforgettable place to visit.

The economy of Brazil is the world’s seventh largest by nominal GDP and eighth largest by purchasing power parity. Its economy is the largest among the Latin American nations and is the second largest in the western hemisphere. Brazil is one of the fastest-growing major economies in the world with an average annual GDP growth rate of over 5 percent. The Brazilian economy has been predicted to become one of the five largest economies in the world in the decades to come.

According to the World Economic Forum, Brazil was the top country in upward evolution of competitiveness in 2009, gaining eight positions among other countries, overcoming Russia for the first time, and partially closing the competitiveness gap with India and China among the BRIC economies.

The owner of a sophisticated technological sector, Brazil develops projects that range from submarines to aircraft and is involved in space research. The country possesses a satellite launching center and was the only country in the Southern Hemisphere to integrate the team responsible for the construction of the International Space Station (ISS). It is also a pioneer in many fields, including ethanol production.

Brazil is also a pioneer in the fields of deep water oil research from where 73 percent of its reserves are extracted. According to government statistics, Brazil was the first capitalist country to bring together the ten largest car assembly companies inside its national territory.

All of the above to let you know….Go ahead; don’t be shy…market to the Brazilians and grow your real estate business; they have the cash!

FActS ABout BRAziLn The largest country in South America. n The 5th largest country in the world, and is larger

than Italy, Portugal, Japan, Spain, Indonesia and South Africa.

n It has a coastline of over 7,367 kilometers and borders the Atlantic Ocean.

n The capital of Brazil is Brasilia and it is considered to be one of the most beautiful cities in the world.

n The only Portuguese speaking country in the Americas; and the largest Portuguese speaking country in the world.

n Brazil has the eighth largest economy in the world. n It is the furthest east of any country in the Americas. n Has the second highest number of airports in the

world. n Have the third largest road network on earth and the

10th largest railroad network on the planet. n Brazil is the longest country in the world and spans

approximately 2800 miles from north to south via land.

n Brazil is 44th or 48th least densely populated countries in the world, depending on which study you look at.

n The world’s best and most delicious coffee is produced in Brazil.

n The Amazon Rainforest, located in Brazil is the world’s largest and covers 2.3 million square miles.

n Apparently, Brazil has the 2nd highest Christian population in the whole world!

n The only soccer team in the world to have won the “World Cup” 5 times!

n Birthplace of Soccer legend, Pele.n Scientists have estimated that there may be up to 4

million species of plants and animals in Brazil.n Almost 200 million people live in Brazil making

it the 5th largest country in the world in terms of population.

n Brazil’s Amazon River is the 2nd longest in the world. n

December 2011

Osceola county Market DynamicsOsceola County Market Dynamics

supply & DeManD - # units (fs)

MOnths supply Of inventOry (sOlD calculatiOn)

2 YEARS (MONTHLY) 10/01/09 - 10/30/11

2 YEARS (MONTHLY) 10/01/09 - 10/30/11

Monthly Charge Monthly % Total Change Total % Change

For Sale -74.93 -1.79 -1,798.28 -43.06

MLS: MFRMLS Period: 2 Years (Monthly) Price: All Construction Type: All Bedrooms: All Bathrooms: All Lot Size: All

Property Types: Residential: (Single Family Home) Sq. Ft. All

Counties Osceola

KEY INFORMATION

FORSALE

-43.1%

Monthly Charge Monthly % Total Change Total % Change

MSI-Sold -0.22 -2.20 -5.26 -52.90

MLS: MFRMLS Period: 2 Years (Monthly) Price: All Construction Type: All Bedrooms: All Bathrooms: All Lot Size: All

Property Types: Residential: (Single Family Home) Sq. Ft. All

Counties Osceola

KEY INFORMATION

MSISOLD

-52.9%

December 2011

Osceola county Market DynamicsOsceola County Market Dynamics

MeDian price (sOlD) = high, lOW, average, MeDian2 YEARS (MONTHLY) 10/01/09 - 10/30/11

UNITS SOLD - OCTOBER 2009 TO OCTOBER 2011

OsceOla single faMily hOMe DistresseD vs. tOtal sales

This data is dependent upon timeliness of sales and totality of information reported by participants.

The data reflects only the sales published through the Mid-Florida Regional Multiple Listing Service (MFRMLS) and does not include all sales in reported areas.

Neither the Association nor the MFRMLS is in any way responsible for its accuracy.

Data: Total Sales = all MFRMLS Osceola Single Family Housing (SFH) & Planned Unit Development (PUD).

(SFH), (PUD)-REO/Bank Owned/Short Sale from Special Sale Provision.

Average Days on Market is: Days to Closed

Monthly Charge Monthly % Total Change Total % Change

Sold -630.90 -0.53 -15,141.65 -12.79

MLS: MFRMLS Period: 2 Years (Monthly) Price: All Construction Type: All Bedrooms: All Bathrooms: All Lot Size: All

Property Types: Residential: (Single Family Home) Sq. Ft. All

Counties Osceola

KEY INFORMATION

SOLD-12.8%

December 2011

aDvertising/publicatiOn

orlando Sentinel communications Kim Collins633 N. Orange AvenueOrlando, FL 32803 Office 407-420-6126 Fax 407-420-5201 Email kicollins@orlandosentinel.com Website www.orlandosentinel.com

osceola Shopper/Gazette Paula Stark 108 Church StreetKissimmee, FL 34741 Office 407-846-7600 Fax 407-846-8516 Email pstark@osceolanewsgazette.com Website www.aroundosceola.com

the Real estate Book Tammy Birchler 2305 NewPoint ParkwayLawrenceville, GA 30043 Office 407-581-1490 Fax 407-581-1491 Email tbirchler@nci.com

agent Marketing services concordia Film Studios Div. of Howland international, inc. Kemp Howland 355 Falling Waters DriveKissimmee, FL 34759 Office 407-222-4847 Email kemp.howland@gmail.com Website www.concordiastudios.com

mitigation marketing Victoria Colangelo P.O. Box 540285Orlando, FL 32854 Office 407-481-0677Fax 407-648-3866 Email victoria@mitigationmarketing.com

PiP Printing & marketing Dale Bohman 929 W. Oak StreetKissimmee, FL 34741 Office 407-847-5565Fax 407-847-2698 Email dale@pipmarketing.comWebsite www.pipmarketinggroup.com

attOrneyscharles P. castellon, PA Law Firm Charles Castellon12934 Deertrace Avenue, Suite AOrlando, FL 32837 Office 407-851-0201Fax 407-847-5618 Email ccastellon@centralflattorney.comWebsite www.centralflattorney.com

Keating/Schlitt, PA Nancy Campiglia 250 E. Colonial DriveOrlando, FL 32024 Office 407-425-2907Fax 407-425-6345 Email ncampiglia@keatlaw.com Website www.keatlaw.com

Law office of Daniel villazon Daniel Villazon, P.A. 1420 Celebration BoulevardCelebration, FL 34747 Office 407-483-0041 Email dvillazon@yahoo.com Website www.frecattorney.com

cOnstructiOn/repair/ renOvatiOns

A Better choice Pools Michael Evans 4417 13th Street, Suite 310Saint Cloud, FL 34769 Office 407-414-7379 Fax 407-870-9978 Email m_abcpools@yahoo.com Website www.abetterchoicepools.com

All Seasons Pool Service, inc. James Watts 185 E. Airport BoulevardSanford, FL 32773Office 407-871-2020 Fax 407-407-3215 Email admin@allseasonspools.com Website www.allseasonspools.com

metro Door ServiceJoe De Lorie 2182 Cypress Bay BoulevardKissimmee, FL 34743Office 407-414-4756Email metrodoors8@aol.com

osceola cleaning ServicesNelson Cepeda 142 Fox LoopDavenport, FL 33837Office 407-508-1261Email nelson@celanosceola.com Property Preservation expertsJohn Canonico1809 E. Broadway AvenueOviedo, FL 32765Office 407-588-7443Email ppexperts@gmail.com

Sara’s Painting & cleaning Services Fabian Dominguez 2476 Augusta WayKissimmee, FL 34746Office/Fax 407-931-2715Email fasaseel7429@aol.com

Servpro of osceola county Dan Hougaard 1710 Kelley AvenueKissimmee, FL 34744 Office 407-933-0707Fax 407-933-5014Email dhougaard@servprooc.com Website www.servprooc.com

the Dryer vent Sweeper Rick Raines 1350 Beechwood DriveSaint Cloud, FL 34772 Office 407-470-7077Email dryervent13@aol.com Website www.dryerventsweeper.com

engineering/surveying/planning

Johnston’s Surveying, inc.W. Turner Wallis 900 Shady LaneKissimmee, FL 34744 Office 407-847-2179 Fax 407-847-6140 Email turner@jsurveying.comWebsite www.jsurveying.com

financial services/institutiOns 1st Florida Lending corp Sylvia Marchese2151 Consulate Drive, Suite 8 Orlando, FL 32837 Office 407-401-8522Fax 877-401-9555Email vos3772@aol.com

OScAR AffiliatesOscar Affiliates

December 2011

OScAR AffiliatesOscar AffiliatesButler mortgage Barbara Bowling 1012 W. Emmett Street, Suite BKissimmee, FL 34741 Office 407-931-3800 Fax 407-931-3801Email bbowling@butlermortgage.comWebsite www.butlermortgage.com

Butler mortgage Harry Urban 1012 W. Emmett Street, Suite BKissimmee, FL 34741 Office 407-931-3800 Fax 407-931-3801Email hurban@butlermortgage.comWebsite www.butlermortgage.com

Farm credit Brad Rhoden P.O. Box 8009Lakeland, FL 33802 Office 863-682-4117 Fax 863-688-9364 Email brhoden@farmcreditcfl.com Website www.farmcreditcfl.com

Pact Prosperity August Byllot P.O. Box 470654Kissimmee, FL 34747 Office 863-255-5858Fax 866-744-6886 Email augie@creatingwealthusa.com

Qubty Financial Group David Qubty 7680 Universal BoulevardOrlando, FL 32819-8998 Office 407-370-3030 Fax 407-370-2040 Email dqubty@qubtyfinancialgroup.com Website www.qubtyfinancialgroup.com

Qubty Financial Group David Qubty 7680 Universal Blvd., Suite 405Orlando, FL 32819-8998 Office 407-370-3030 Fax 407-370-2040 Email dqubty@qubtyfinancialgroup.com Website www.qubtyfinancialgroup.com

Qubty Financial Group Sami D. Qubty 7680 Universal Blvd., Suite 405Orlando, FL 32819-8998 Office 407-370-3030 Fax 407-370-2040 Email squbty@qubtyfinancialgroup.com Website www.qubtyfinancialgroup.com

RBc Bank Edna Light 2500 13th StreetSaint Cloud, FL 34769 Office 407-892-7137 Fax 407-892-3775 Email edna.light@rbc.com

RBc Bank Nora Pierce 2500 13th StreetSaint Cloud, FL 34769 Office 407-892-7137 Fax 407-892-3775 Email edna.light@rbc.com

trustco Bank Sarah Near 1525 East Osceola ParkwayKissimmee, FL 34746 Office 407-932-0398 Fax 407-932-0719 Email snear@branch.trustcobank.comWebsite www.trustcobank.com

trustco Bank Patricia Del Bagno 2300 Deer Creek Commerce LaneDavenport, FL 33837 Office 863-424-9493 Fax 863-424-1449 Email pdelbagno@branch.trustcobank.com

W.J. Bradley Nancy Knapp 121 S. Orange Avenue, Suite 1500Orlando, FL 32801 Office 321-624-1560Email nancy.knapp@wjbradley.com

Wells Fargo Home mortgage Cliff Frohn One Home CampusDes Moines, IA 50328 Office 515-213-4291Fax 515-213-6520Email mlsmembership@wellsfargo.com

healthBenefit Advisors Judy Taylor 111 E. Monument AvenueKissimmee, FL 34741 Office 407-931-2872 Fax 407-933-2176 Email jtaylor@benefit-advisors.com

hOMe builDers/DevelOpers KB Home Amanda Parah 9102 South Park Center LoopOrlando, FL 32819 Office 407-587-3403 Fax 407-587-2386 Email aparah@kbhome.com Website www.kbhome.com

Harmon Homes Pamela Cameron 4501 Hills & Dales Road NWCanton, OH 44708 Office 813-681-5117 Fax 813-661-9036 Email Pamela.cameron@harmonhomes.comWebsite www.harmonhomes.com

Harmony DevelopmentTim Hultgren 3500 Harmony Square Drive WestHarmony, FL 34773Office 407-891-2605 Fax 407-891-0459Email thultgren@harmonyfl.com

maronda Homes Olga Ortega 955 Keller Road, #1500Altamonte Springs, FL 32714 Office 407-846-4397 Fax 407-846-4398 Email oortega@maronda.com Website www.maronda.com

Royal oak Homes Matthew Orosz 911 Outer RoadOrlando, FL 32814 Office 407-206-9300 Fax 407-206-9333 Email morosz@RoyalOakHomesFL.com

Standard Pacific Homes Jesus Alvarez 200 S. Orange Avenue, Suite 124Orlando, FL 32801 Office 407-304-2803 Fax 407-304-2835 Email sbower@stanpac.com Website www.standardpacifichomes.com

December 2011

OScAR AffiliatesOscar AffiliateshOMe Warranty First American Home Warranty corp Leslie Zimmerly 3281 Settlers TrailSaint Cloud, FL 34772 Office 407-902-5237Email lesliez@firstam.com Website www.firstam.com

HmS National Home Warranty Tony Fletcher P.O. Box 701857Saint Cloud, FL 34770Office 407-709-1717Email TFletch22@yahoo.com

old Republic Home Protection Jeffrey Saindon PO Box 5017San Ramon, CA 94583 Office 800-445-6999 Email jeff@orhp.com Website www.orhp.com

inspectiOn services A.c.F. Home inspections, inc. Luis A. Figueroa509 S. Chickasaw TrailOrlando, FL 32825 Office 407-466-8921 Fax 407-381-5556 Email Acfinspection@aol.com

A.c.F. Home inspections, inc. Wanda Figueroa509 S. Chickasaw TrailOrlando, FL 32825 Office 407-466-8921 Fax 407-381-5556 Email Acfinspection@aol.com

Budget Services, inc. Ed Hogan 3617 Crosley AvenueSaint Cloud, FL 34772 Office 407-892-8811 Fax 407-892-8516 Email budgettermite@earthlink.net Website www.budgetservicesfl.com

Gary oakley Home inspector Gary Oakley 256 Preston AvenueDavenport, FL 33837 Office/Fax 863-424-7780 Email garyoakley8@aol.com

Wayne Home inspections Wayne E. Glover 1533 Trumbull StreetKissimmee, FL 34744 Office 407-935-1127Fax 407-935-1483 Email wayne.glover@netzero.netWebsite www.wayneshomeinspections.com

real estate schOOls/eDucatiOniFRec Real estate Schools Richard Fryer 5029 Edgewater DriveOrlando, FL 32810 Office 407-644-7277 Fax 407-647-5227 Email robin@ifrec.com Website www.ifrec.com

Pact Prosperity August Byllot P.O. Box 470654Kissimmee, FL 34747 Office 863-255-5858Fax 866-744-6886 Email augie@creatingwealthusa.com

realtOr® servicesFinal Negotiation, LLc Rhonda Owen 1201 Emmett StreetKissimmee, FL 34741 Office 407-846-0978 Fax 407-846-6573 Email rowen@stewart.comWebsite www.stewart.com

Good Samaritan Society-Kissimmee village Ken Lyons 4250 Villiage DriveKissimmee, FL 34746 Office 407-933-1999 Email klyons@good-sam.com

Larson Allen LLP Amy Chapman 420 S. Orange Avenue, Suite 500 Orlando FL 32801 Office 407-802-1200Fax 407-802-1250 Email kfishers@larsonallen.com

Larson Allen LLP Kate Fishers 420 S. Orange Avenue, Suite 500 Orlando FL 32801 Office 407-802-1200Fax 407-802-1250 Email kfishers@larsonallen.com

on the Go Services William Carberry 5790 Leon Tyson RoadSaint Cloud, FL 34771 Office 407-832-7957 Email otgservices@gmail.com

Sprint Wireless Sojeila Orengo 851 Trafalgar CourtMaitland, FL 32751 Office 407-575-8837 Fax 404-948-0900Email sojeila.orengo@sprint.com

title/escrOW/insuranceservices A-z team title, LLc Bernard S. Edwards 102 Park Place Blvd., Suite A-3Kissimmee, FL 34743 Office 407-932-0529 Fax 407-932-1587 Email bernie@azteamtitle.com Website www.azteamtitle.com

American income Life Tracy Little 1200 Wooded Acre DriveWaco, TX 76797 Office 321-436-1596 Email tlittle@ailife.com

First American title Cara Brown1101 Miranda Lane, Suite 101Kissimmee, FL 34741 Office 877-833-1731 Fax 866-722-5957 Email carbrown@firstam.comWebsite www.firstam.com First American title Deborah Dudley1101 Miranda LaneKissimmee, FL 34741 Office 877-833-1731 Fax 866-722-5957 Email ddudley@firstam.comWebsite www.firstam.com

December 2011

OScAR AffiliatesOscar Affiliatesmason title & escrow company Shelly Kiker1101 Miranda Lane, Suite 113Kissimmee, FL 34741 Office 321-443-6901 Fax 866-326-2097Email skiker@masontitle.comWebsite www.masontitle.com

Prominent title insurance Agency, inc.Betty M. Dobbie 827 Cypress PkwyKissimmee, FL 34759 Office 407-343-1560 Fax 407-343-1561 Email bdobbie@prominenttitle.com Website www.prominenttitle.com

Quality title & escrow LLcLisa Bennett1801 Lee RoadWinter Park, FL 32789Office 321-304-3906 Fax 321-304-3009Email lisa@qtefl.com

Real estate closing SolutionsHeidi Foster 7575 Dr. Phillips Blvd., Suite 140Orlando, FL 32819 Office 407-615-8550 Fax 407-615-8555 Email hfoster@recsfl.comWebsite www.recsfl.com

Shopsmart insurance, inc.Jonathan Reich 1201 Emmett StreetKissimmee, FL 34741 Office 407-933-7866 Fax 407-931-0083Email jdreich2@msn.com

Stewart Approved title, inc. Becky Sheive 1201 Emmett StreetKissimmee, FL 34741 Office 407-846-7477 Fax 407-846-6573 Email bsheive@stewart.com Website www.stewart.com

Stewart Approved title, inc. Jolene Sheive 1201 Emmett StreetKissimmee, FL 34741 Office 407-846-7477 Fax 407-846-6573 Email jsheive@stewart.comWebsite www.stewart.com

Stewart Approved title, inc. Rayelynne Ketchum 1401 Budinger AvenueSaint Cloud, FL 34769 Office 407-957-9000 Fax 407-957-8055 Email rwoeste@stewart.com Website www.stewart.com total title SolutionsTina Johnson 8 Broadway Street, Suite 225Kissimmee, FL 34741 Office 407-847-0412 Fax 407-847-0429 Email tinamjohnson@embarqmail.com

FORECLOSURES • RENTALS • FOR SALE

Call today to reserve your space! Offer expires January 31, 2012.

For more information contact Pam Cameron • 813-413-6810 • pamela.cameron@harmonhomes.com

in Your Area HarmonHomes.com Publication!Current Advertisers...Increase your current advertising and receive an equal amount of display pages FREE!The free display ad(s), in your area publication, offer is only available on additional advertising to the original ad. The free display page will only run oneissue. Example: Buy an additional 1 full display page and you receive 1 full display page free in the same issue.

New Advertisers...Sign a minimum 3 month Power Media full page agreement and get 1 Full PageFREE!HarmonHomes.com publications is offering a special for all NEW HarmonHomes.com advertisers! Sign a Power Media contract at rate card price before January 31, 2012 and receive a free display page.The free display ad, in your area publication, offer will run any time during your contracted three months of advertising. The free dis-play page will only run one issue.

Use your FREEpage(s) of Advertising for...

• Self Promotion• Featured Property• Promote Your Brand• Holiday Greeting• Thank You Page

December 2011

Dece

mber

2011

Janu

ary 2

012

20 21

171615

242322

1412 1311

109875 64

321

30 3129

1918

27 282625

24 25

212019

282726

1816 1715

141312119 108

42 31 765

2322

313029

MLS CLASSES • DecemBeR 2011

mLxchange BasicWednesday, December 14 9:00 am - 12:00 pm

mLS Listing maintenanceWednesday, December 14 1:00 pm - 3:00 pm

DecemBeR 2011

oScAR Annual General membership meetingWednesday, December 7 9:00 am - 10:00 am OSCAR General Membership Meeting Hot Breakfast!

Topic: 2011 Achievements and Bylaw Changes

mLS Learn & earn marketing Session/FR economic & Real estate ForecastingTuesday, December 68:30 am to 12:00 pmEconomic and Real Estate Market Forecasting Conference/MLS Learn & Earn Florida REALTORS® will hold an economic and real estate market forecasting conference. Speakers will include Lawrence Yun, Chief Economist of NAR, Mark Vitner, Senior Economist with Wells Fargo and John Tuccillo, Chief Economist of Florida REALTORS®. In addition, a panel of REALTOR® will discuss their views of the residential, commercial and land markets in Florida. We have arranged for a live video cast of the conference to be available to all members at no cost.

DecemBeR 2011

JANuARY 2012

Antitrust trainingTuesday, January 1010:00 am - 11:00 am Instructor is Margy Grant, legal counsel for Florida REALTORS®.

Professional Standards trainingTuesday, January 1011:00 am - 1:00 pm Instructor is Margy Grant, Legal Counsel for Florida REALTORS

Working Lunch: Served between 12pm-1pm.

SAvE ThE dATE!Annual installation LuncheonWednesday, January 1811:30 am - 1:30 pm Osceola Heritage Park1875 Silver Spur LaneKissimmee, FL 34744

Dece

mber

2011

Janu

ary 2

012

20 21

171615

242322

1412 1311

109875 64

321

30 3129

1918

27 282625

24 25

212019

282726

1816 1715

141312119 108

42 31 765

2322

313029

December 2011

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

Economic andReal Estate MarketForecasting Conference,8:30 am -12:00 pm

OSCAR General Membership Meeting,9:00 am - 10:00 am

WCR Christmas Social, 5:30 pm - 8:00 pm

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

Affiliate Council Meetings, 9:45 am - 10:45 am

Public Policy Committee,4:00pm

MLXchange Basic, 9:00 am - 12:00 pm

MLS Listing Maintenance,1:00 pm - 3:00 pm

MLXchange Basic, 1:00 pm WCR wifi Learning Lab

New Member Welcome 9:00 am - 12:00 pm

New Member Welcome -Code of Ethics Video 1:00 pm - 4:00 pm

Toastmasters, 5:30 pm - 6:30 pm

OSCAR CLOSED

WCR Board Meeting, 8:00 am - 9:30 am

Osceola Brokers Committee Round Table,2:30 pm - 5:00 pm

CHRISTMASDAY

HANUKKAH

Executive Committee,8:00 am - 9:30 am

BOD Meeting,9:30 am -11:00 am

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

International Alliance Committee Meeting,9:45 am - 10:45 am

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

Final Day toPay 2012 Dues

OSCAR CLOSED

OSCAR CLOSED1:00 pm - 5:00 pm

OSCAR CLOSEDOSCAR CLOSED

Toastmasters, 5:30 pm - 6:30 pm

Toastmasters, 5:30 pm - 6:30 pm

Toastmasters, 5:30 pm - 6:30 pm

New Member Welcome 9:00 am - 12:00 pm

New Member Welcome -Code of Ethics Video 1:00 pm - 4:00 pm

Toastmasters, 5:30 pm - 6:30 pm

Toastmasters, 5:30 pm - 6:30 pm

CHRISTMASEVE

NEWYEAR’S EVE

NEWYEAR’S DAY

MLS Learn and Earn Marketing Session, 8:30 am - 9:30 am

Antitrust Training, 10:00 am - 11:00 am

Professional StandardsTraining,11 am -1 pm

Florida REALTORS® Mid-Winter Business Meeting in Orlando

Installation Luncheon at OHP, 11:30 am - 1:30 pm

OSCAR CLOSED

MARTIN LUTHERKING DAY

PRESIDENTIALPRIMARY

Florida REALTORS® Mid-Winter

Business Meeting in Orlando

Best Wishes To YouFrom OSCAR

Happy New Year!

Executive Committee,8:00 am - 9:30 am

BOD Meeting,9:30 am -11:00 am

PRSRTU S POSTAGE

PAIDMID-FL FL

PERMIT NO. 581

STD

central Florida Realty experts .........edivier Rivera P.O. Box 622275, Oviedo, FL 32765 Office: 407-542-4403 Fax: 321-697-7004 Email: eddie@cfrexperts.com Website: CFRExperts.com

effective Real estate Solution ....... Gary D. Kendall 49 SE Sedona Cir, Ste 104, Stuart, FL 34994 Office: 561-308-3678 Fax: 561-537-2506 Email: Gary@effectiveexperts.com

Great choice Realty, LLc .................. earl e. Dolinar 2621 Spring Hill Dr., Kissimmee, FL 34743 Office: 321-284-4300 Fax: 321-284-4509 Email: earldolinar@gmail.com

P & R Housing management corp .....martha Jane v. mahoney 5516 Commerce Dr., Orlando, FL 32839 Office: 407-841-1624 Fax: 407-425-1373 Email: lisa@prhousingmanagement.com

Pfingsten Premium Properties .....Ronald Pfingsten 7644 Heritage Crossing Way, Kissimmee, FL 34747 Office: 407-397-0877 Fax: 407-674-2513 Email: rpfingsten@copper.net

Sapphire Re, LLc ....................................Bibi Rahim 3830 Golden Feather Way, Kissimmee, FL 34747 Office: 407-319-6204 Fax: 407-264-6088 Email: bibirahim9@aol.com

nEw AFFiLiATE OFFicES wELcOmE nEw mEmbERS

David Bastidas .............................................365 Realty, Inc.Janice A. Black ...........................Centurion Realty Group LLCSuzette Durant-Mas .........Century 21 Real Estate ProfessionalsValerie Jean Entner ....................Keller Williams Advantage IIIErnesto J. Font .............Florida Realty Team Of Central FloridaRobert J. Galvin ....................................... Davies Realty, LLCGary D. Kendall .................Effective Real Estate Solutions LLCJulio Cesar Lebron ...................Robles Realty International LLCBriniely Liscano .........................................Luxury Realty, Inc.Martha Jane V. Mahoney ...P & R Housing Management Corp.Rebecca A. Mills ...................... St. Cloud Homes & Land, LLCEdward E. Moses .......................First International Real EstateMariangela C. Oliveira .............................Luxury Realty, Inc.Jose J. Perez ............................... Remax Premier Properties IIErnie P. Sanchez .............1st Orlando Real Estate Services IncChristi A. Smith ........P & R Housing Management CorporationCharles A. Thurman II ........................... Watson Realty Corp.Norman Vazquez .........Florida Realty Team Of Central FloridaGregory R. Yarde ................................Exit Realty Access LLC