Association Orientation--Session A

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Learn about the services and programs offered by the REALTOR organizaiton.

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  • Single-family housing exception also requires that the home is owned by an individual who does not own more than three such homes at one time, and who does not sell more than one every two years;
  • Association Orientation--Session A

    1. 1. ST. CHARLES COUNTY ASSOCIATION OF REALTORS®<br />NEW MEMBER ORIENTATION<br />
    2. 2. OUR MISSION<br />As the local voice for real estate, <br />the St. Charles County Association of REALTORS® <br />provides members with programs, products and services to conduct business successfully and ethically. Through legislative advocacy and public awareness, we promote private property rights, equal housing opportunity and the American Dream of real property ownership.<br />
    3. 3. YOUR ASSOCIATION<br />EXISTS TO HELP<br />YOU SUCCEED!!<br />
    4. 4. YOUR ASSOCIATION LEADERSHIP<br />President Elect: Cort Schneider<br />President: Carol Alexander<br />Immediate Past President:<br /> Joe Sahrmann<br />Treasurer: Janice Nolan<br />
    5. 5. YOUR ASSOCIATION STAFF<br />Gwen Walters<br />Assistant Executive Officer<br />Mark R. Stallmann<br />Chief Executive Officer<br /><ul><li>Chief Operations Officer
    6. 6. Professional Standards Administrator
    7. 7. Liaison to the Commercial Division
    8. 8. Manages the day-to-day</li></ul> Association operations<br />
    9. 9. <ul><li>Coordinates Government Relations</li></ul> with the Government Affairs Forum<br /><ul><li>Treasurer of the Association’s Political</li></ul> Action Committee<br /><ul><li>Coordinates RPAC fundraising activities
    10. 10. Administrator of the Association’s </li></ul> Continuing Education School<br /><ul><li>Liaison to Professional Development Committee
    11. 11. Liaison to Diversity Awareness Committee</li></ul>Jen Moore<br />Government Affairs Director<br />
    12. 12. <ul><li>Membership Administrator
    13. 13. Front Desk Administrator
    14. 14. Supra Liaison
    15. 15. Coordinates Association events
    16. 16. Liaison to Affiliate Forum
    17. 17. Liaison to Public Relations Forum</li></ul>Kathy Ambro<br />Membership Director<br />
    18. 18. <ul><li>Financial Management
    19. 19. Liaison to Finance Committee
    20. 20. Coordinates Association </li></ul> fundraising activities<br /><ul><li>REALTOR® Store manager
    21. 21. Official Association photographer</li></ul>Jackie Ladd<br />Director of Finance<br />
    22. 22. ASSOCIATION SERVICES<br /><ul><li>MEMBER SERVICES
    23. 23. EDUCATION
    24. 24. PROFESSIONAL STANDARDS
    25. 25. GOVERNMENT AFFAIRS
    26. 26. REALTOR® STORE
    27. 27. NETWORKING OPPORTUNITIES
    28. 28. COMMUNICATIONS</li></li></ul><li>YOUR FIRS<br /> NETWORKING OPPORTUNITY<br />LET’S MEET EACH OTHER!!<br />
    29. 29. MEMBER SERVICES<br />
    30. 30. YOUR ASSOCIATION COOPERATES WITH <br />OTHER REALTOR® ASSOCIATIONS<br />TO PROVIDE MULTIPLE LISTING SERVICES<br />MARIS PROVIDES YOU INFORMATION <br />ON REAL ESTATE REGION WIDE<br />AND MULTIPLE TOOLS<br />TO HELP YOU SERVE YOUR CLIENTS AND CUSTOMERS<br />TAKE THE TRAINING CLASSES AND LEARN<br />HOW MARIS CAN HELP YOU SUCCEED!!<br />http://www.marisnet.com<br />
    31. 31. STANDARD<br /> CONTRACTS & FORMS<br />YOUR ASSOCIATION COOPERATES WITH <br />OTHER REALTOR® ASSOCIATIONS TO PROVIDE <br />STANDARD CONTRACTS AND FORMS FOR YOUR USE<br />OUR FORMS ARE UPDATED REGULARLY TO INSURE<br /> COMPLIANCE WITH ALL RULES AND REGULATIONS<br />PAPER FORMS ARE AVAILABLE FOR PURCHASE<br />FREE FORMS AVAILABLE ON-LINE<br />WWW.StCharlesREALTORS.com<br />
    32. 32. WHAT TYPES OF FORMS CAN YOU USE?<br />WHO CAN WRITE CONTRACTS?<br />WHAT DOES HULSE VS. CRIGER SAY YOU CAN DO?<br />WHAT DOES “FILL IN THE BLANKS” MEAN?<br />
    33. 33. Do you know the Contract?<br />Have you read the contract?<br />I have!<br />
    34. 34. Don’t Practice the Law<br />No Free Advice!!!<br />We enforce our copyright!!<br />
    35. 35. Your Association partners <br />with other REALTOR® Associations<br />To provide lock box services<br />Which provides you access to listed <br />Property all over the region.<br />Direct access from your smart phone<br />or carry the Active key<br />Plus, you can track showing activity<br />and more through the Supra System<br />
    36. 36. EDUCATION<br />YOUR ASSOCIATION OFFERS A WIDE VARIETY OF EDUCATIONAL<br /> OPPORTUNITIES TO MEET YOUR LICENSE REQUIREMENTS AND <br />GIVE YOU THE KNOWLEDGE AND EXPERTISE TO SUCCEED!!<br /><ul><li>A WIDE VARIETY OF STATE APPROVED CONTINUING EDUCATION CLASSES
    37. 37. SCCAR UNIVERSITY
    38. 38. PROFESSIONAL DEVELOPMENT SEMINARS
    39. 39. BUSINESS PLANNING AND SALES TRAINING SEMINARS</li></li></ul><li>REALTOR® APPROVED<br />DESIGNATIONS AND CERTIFICATIONS<br />
    40. 40. PROFESSIONAL STANDARDS<br />THE REALTOR® CODE OF ETHICS<br /><ul><li>HOLDS REALTORS® TO A HIGHER STANDARD THAN THE LAW REQURES
    41. 41. YOUR ASSOCIATION ENFORCES THE CODE
    42. 42. SESSION B WILL GIVE YOU AN OVERVIEW OF THE CODE</li></ul> AND YOUR RESPONSIBILITIES<br />
    43. 43. GOVERNMENT AFFAIRS<br />YOUR ASSOCIATION MONITORS <br />NATIONAL, STATE, COUNTY AND CITY GOVERNMENT<br /><ul><li>WE ADVOCATE FOR LEGISLATION AND POLICIES WHICH PROTECT:
    44. 44. THE AMERICAN DREAM OF HOMEOWNERSHIP
    45. 45. PRIVATE PROPERTY RIGHTS
    46. 46. YOUR RIGHT TO DO BUSINESS</li></li></ul><li>HOW CAN YOU HELP?<br />RESPOND TO CALLS FOR ACTION<br />1,400 members in St. Charles County<br />20,000 plus members in Missouri<br />Over 1 million REALTORS® in this nation<br />OUR GREATEST STRENGTH IS IN OUR NUMBERS!<br />IT ONLY WORKS IF YOU PARTICIPATE!<br />
    47. 47. FOLLOW THE LAW!!<br /><ul><li>You are legally and ethically obligated to observe all laws </li></ul> governing real estate<br /><ul><li>Failure to follow the law also weakens your Association’s</li></ul> ability to take political action<br />BE THE EYES AND EARS OF YOUR ASSOCIATION!!<br /><ul><li>We need to know what is happening out there
    48. 48. If you are having issues with rules or ordinances</li></ul> you feel are harming your business, let us know<br /><ul><li>Let REALTOR® friendly political candidates know</li></ul> about possible support from the Association<br /><ul><li>We can’t help if we don’t know about it!</li></li></ul><li>INVEST IN YOUR FUTURE<br />INVEST IN RPAC<br />THE REALTORS® POLITICAL ACTION COMMITTEE (RPAC)<br />Supports candidates for office who support REALTOR® issues!<br />Investing in RPAC helps protect your right to do business<br />free from unwarranted government interference<br />Your Association offers many<br />opportunities for you to invest in RPAC<br />“Protecting the American Dream<br />one donation at a time”<br />
    49. 49. St. Charles County Association of REALTORS® Store<br />
    50. 50. NETWORKING OPPORTUNITIES<br />YOUR ASSOCIATION OFFERS SEVERAL EVENTS AND OTHER<br />OPPORTUNITIES TO NETWORK WITH YOUR FELLOW REALTORS®<br /><ul><li>AWARDS CELEBRATION
    51. 51. REAL ESTATE EXPO
    52. 52. RPAC EVENTS
    53. 53. ANNUAL INSTALLATION
    54. 54. REALTOR® Picnic
    55. 55. SCCAR University
    56. 56. Community Forums
    57. 57. OTHER EVENTS</li></li></ul><li>COMMUNICATIONS<br />ASSOCIATION INFORMATION AVAILABLE AT:<br />WWW.StCharlesREALTORS.com<br />YOUR ON-LINE RESOURCE :<br /><ul><li>To register for upcoming classes and events
    58. 58. To get the latest Association and industry news
    59. 59. To get membership information
    60. 60. To get information on Association leadership,</li></ul> staff and committees<br /><ul><li>Your on-line direct connection to forms on-line, </li></ul> MARIS and other real estate information<br />
    61. 61.
    62. 62. WATCH YOUR INBOX<br />YOUR ASSOCIATION IS “GREEN” <br />WE COMMUNICATE ELECTRONICALLY:<br />CHECK YOUR INBOX FOR:<br /><ul><li>News updates
    63. 63. REALTOR® family happenings
    64. 64. Event and education updates
    65. 65. Industry and Association announcements
    66. 66. Special offers
    67. 67. Bills and Invoices</li></ul>Be sure to notify the Association <br />If you are not receiving e-communications<br />or change your e-mail address<br />
    68. 68. FOLLOW YOUR ASSOCIATION ON-LINE<br />FACEBOOK:<br />http://Facebook.com/stcharlesrealtors<br />TWITTER:<br />http://Twitter.com/SCCAR<br />FLICKR<br />http://Flickr.com/photos/stcharlesrealtors<br />YOUTUBE<br />http://www.youtube.com/user/stcharlesrealtors<br />
    69. 69. YOUR ASSOCIATION<br /> NEEDS YOU<br />ASSOCIATION COMMITTEES AND FORUMS<br />INFLUENCE ASSOCIATION PLANS, PROGRAMS AND POLICIES<br />GET INVOLVED<br />HELP PLAN OUR FUTURE<br />
    70. 70. ASSOCIATION FORUMS<br />Association Forums are open to all members to <br />Participate as their schedules permit<br />GOVERNMENT AFFAIRS FORUM<br />Monitors legislative and regulatory activities at the local, state and national levels.<br />Promotes member involvement and RPAC investment.<br />Advocates for policies and laws friendly to private property rights<br />PUBLIC RELATIONS FORUM<br />Promotes the Association programs and activities to members<br />Plans Association events<br />‘Promotes homeownership and REALTORS® to the public<br />
    71. 71. ASSOCIATION COMMITTEES<br />PROFESSIONAL DEVELOPMENT<br />Plans and coordinates all professional development and education offerings<br />DIVERSITY AWARENESS<br />Works to promote Diversity Awareness and educate members and the general public about programs and services to increase homeownership.<br />ADDITIONAL ASSOCIATION COMMITTEES:<br />These committees are limited in size and require appointment by the President. Membership requires levels of industry experience and advanced training. <br />Bylaws and Policies<br />Finance<br />Grievance<br />Professional Standards<br />
    72. 72. St. Charles County Association of REALTORS®<br />Commercial Division<br /><ul><li>Membership is available for an annual fee of $50.00.
    73. 73. Commercial Division members receive many services including:
    74. 74. Monthly networking events
    75. 75. Commercial agent directory
    76. 76. Commercial education events
    77. 77. Commercial marketing opportunities </li></ul>President<br />TOM PALITZSCH<br />
    78. 78. Affiliate Forum<br />Who Are they?<br />What is their role?<br />2011 Affiliate Chair<br />Charlie Holloway<br />Why should I support our Affiliates?<br />
    79. 79. AFFILIATES SUPPORT<br />OUR ASSOCIATION<br />SPONSOR ASSOCIATION EVENTS AND PROGRAMSINCLUDING:<br />REALTOR® PICNIC<br />STES. JOACHIM AND ANNE FOOD DRIVE<br />SCCAR UNIVERSITY<br />OTHER PROGRAMS AND ACTIVITIES<br />
    80. 80. THANK YOU <br />TO OUR COPORATE PARTNERS<br />
    81. 81. THANK YOU <br />TO OUR VALUE PLUS PARTNERS<br />OUR PLATINUM PARTNERS<br />AMERICAN LAND TITLE<br />CONTINENTAL TITLE<br />CORNERSTONE MORTGAGE<br />FAIRWINDS RIVER’S EDGE<br />OLD REPUBLIC TITLE <br />PARAMOUNT MORTGAGE<br />SUBURBAN JOURNALS<br />USA MORTGAGE<br />US TITLE<br />
    82. 82. THANK YOU <br />TO OUR VALUE PLUS PARTNERS<br />OUR SILVER PARTNERS<br />ALLSTATE INSURANCE<br />CARDINAL SUVEYING AND MAPPING<br />RON ENTWISTLE<br />F & M BANK<br />FIRST NATIONAL BANK<br />HOUSEMASTER GUARANTEED HOME INSPECTIONS<br />INVESTORS TITLE<br />OLD REPUBLIC HOME WARRANTY<br />WIN-HOME INSPECTIONS<br />WOMEN’S COUNCIL OF REALTORS®<br />
    83. 83. Hosts Monthly Networking and Educational Luncheons<br />'We are a community of real estate professionals creating business opportunities, developing skills for the future, and achieving our individual potential for success.' <br />www.wcrstcharlesco.org<br />wcrstcharlesco@gmail.com<br />
    84. 84. MISSOURI ASSOCIATION<br />OF REALTORS®<br />LARGEST TRADE ASSOCIATION IN MISSOURI<br />OFFICES IN COLUMBIA MISSOURI<br />
    85. 85. MISSOURI ASSOCIATION<br />Services: <br /><ul><li>Political Representation in Jefferson City
    86. 86. Educational opportunities
    87. 87. Standard forms
    88. 88. Local Association support</li></li></ul><li>ANNUAL CAPITOL CONFERENCE<br />Join us in January when we visit<br />with our elected representatives<br /> in Jefferson City<br />Come make sure your voice is heard!<br />Join us as we discuss real estate issues!<br />Meet REALTORS® from all over Missouri<br />SAM LICKLIDER<br />SENIOR VICE PRESIDENT <br />GOVERNMENT AFFAIRS<br />MISSOURI ASSOCIATION OF REALTORS®<br />
    89. 89. NATIONAL ASSOCIATION<br /> OF REALTORS®<br />LARGEST TRADE ASSOCIATION IN THE NATION<br />OFFICES IN CHICAGO , IL and WASHINGTON D.C.<br />
    90. 90. NATIONAL ASSOCIATION <br />Services:<br /><ul><li>Political Representation in Washington D.C.
    91. 91. National Public Awareness Campaign
    92. 92. REALTOR® Benefits
    93. 93. Educational standards and opportunities
    94. 94. Annual Convention</li></li></ul><li>HTTP://REALTOR.ORG<br />Your on-line source for everything REALTOR®<br /><ul><li>The latest real estate news
    95. 95. Member benefits and discounts
    96. 96. Education information
    97. 97. Hand-outs and information for your customers
    98. 98. Links to the REALTOR® Credit Union and other sites</li></li></ul><li>This is your Credit Union<br /><ul><li>Membership is open to you and your family members
    99. 99. Competitive rates on investment and loan products
    100. 100. Personal and business checking and savings
    101. 101. 24 hour, 7 day a week access to your accounts
    102. 102. A virtual credit union—access thru the internet
    103. 103. They understand how you do business</li></ul>https://www.realtorsfcu.org<br />
    104. 104. FAIR HOUSING<br />REALTORS® ARE THE KEEPERS OF THE AMERCAN DREAM<br />FAIR HOUSING IS A VITAL PART OF THAT DREAM!!<br />REALTORS® are committed <br />to promoting and protecting <br />equal opportunity in housing!<br />FAILURE TO FOLLOW THE LAW<br />WILL NOT BE TOLERATED!!<br />It’s the right thing to do!!<br />
    105. 105. Enforcement<br />Violations of Federal Fair Housing laws are investigated by HUD and/or the U.S. Attorney General.<br />Penalties can range from $11,000 to $100,000, and are imposed by the Federal Courts.<br />
    106. 106. Federal Fair Housing Laws<br /><ul><li>Civil Rights Act of 1866
    107. 107. Fair Housing Act of 1968 (Title VIII)
    108. 108. Housing and Community Development Act of 1974
    109. 109. Fair Housing Amendments Act of 1988
    110. 110. Equal Credit Opportunity Act of 1974 (Pertains to lending)</li></ul>The acts of 1968, 1974, and 1988 together are known as the Federal Fair Housing Law.<br />
    111. 111. Federal Law Protected Classes <br />Race<br />Color<br />Religion<br />National Origin<br />Sex<br />Handicapped Status (added in 1988)<br />Familial Status (added in 1988)<br />
    112. 112. Exceptions to Federal Fair Housing Law <br /><ul><li>Owner-occupied buildings with no more than 4 units
    113. 113. Housing operated by organizations and private clubs that limit occupancy to members
    114. 114. Senior housing</li></ul>However, NO EXCEPTION is permitted to discriminate based on RACE or COLOR)<br />
    115. 115. Prohibited Practices<br /><ul><li>Blockbusting – the act of encouraging people to sell or rent their homes by claiming that the entry of a protected class of people into the neighborhood will have some sort of a negative impact.</li></ul>Any message, however subtle, that the property should be sold or rented because the neighborhood is “changing” is considered blockbusting. <br />
    116. 116. Prohibited Practices<br />Steering – the directing of home buyers to or away from particular neighborhoods.<br />Don’t make assumptions!<br />Let the buyer tell you where they want to live.<br />
    117. 117. Prohibited Practices<br /><ul><li>Advertising – No advertisement may include language indicating a preference or limitation.</li></ul>NO EXCEPTION to this rule is permitted, no matter how subtle the choice of words.<br />If showing illustrations of people, people should be clearly representative and nonexclusive.<br />HUD’s Advertising Guidelines (PDF): <br />http://www.hud.gov/offices/fheo/disabilities/sect804achtenberg.pdf <br />
    118. 118. State & Local Additions to Fair Housing Laws<br /><ul><li>Missouri –
    119. 119. Ancestry (ethnic background)
    120. 120. City of St. Louis -
    121. 121. Sexual Orientation
    122. 122. Source of Income
    123. 123. Marital Status
    124. 124. Age</li></li></ul><li>Fair Housing Quiz<br />1. Name the seven protected classes:<br />Race<br />Color<br />Religion<br />National Origin<br />Sex<br />Handicapped Status<br />Familial Status<br />2. Absolutely no exceptions are allowed for which protected class?<br />Race<br />
    125. 125. Fair Housing Quiz<br />3. A prospective buyer comes to your office and says he wants to only look homes in St. REALTOR Parish. You do the following:<br />A. Show him houses all over St. Louis because you don’t want to be accused of steering.<br />B. Find out which homes are in St. REALTOR Parish and show only homes in that area.<br />C. Tell your customer he should look at all areas of St. Louis before deciding where to live.<br />
    126. 126. Fair Housing Quiz<br />4. Your Broker told you it was a good idea to pre-qualify customers before you show them property, so you decide to do the following:<br />A. Pre-qualify only those customers who look like they can’t afford the house.<br />B. Don’t pre-qualify anyone who drives to the office in a BMW.<br />C. Pre-qualify only those who are of different race than you.<br />D. Pre-qualify all potential customers before you show them property.<br />
    127. 127. Fair Housing Quiz<br />5. Circle the parts of the following ads that possibly violate Fair Housing laws:<br />Beautiful 3-bedroom home in traditional neighborhood just doors from St. Raymond’s Church and School. Call today!<br />Beautiful 3-bedroom home in traditional neighborhood just doors from St. Raymond’s Church and School. Call today!<br />Great 2-bedroom apartment in Singles Complex, Swimming pool, club house and lots of other amenities. Adults only.<br />Great 2-bedroom apartment in Singles Complex, Swimming pool, club house and lots of other amenities. Adults only.<br />Fabulous executive home in an exclusive West County neighborhood. 3-bedroom, 3 baths, swimming pool, hot tub. Must See!<br />Fabulous executive home in an exclusive West County neighborhood. 3-bedroom, 3 baths, swimming pool, hot tub. Must See!<br />
    128. 128. Fair Housing Quiz-True or False<br />1. Refusing to show a Jewish person property in a predominately Catholic area or trying to steer this person to a predominately Jewish area would be a violation of Federal Fair Housing.<br />TRUE<br /> 2. You show a Vietnamese couple a South St. Louis house, which is listed for sale. The neighbor asks you about your customers and states that he has a lot of emotion left over from the “war” and he doesn’t want them as neighbors. You say your customers are ready to buy the house and say he knows what “that” means, and you would be happy to sell his house for him. You just violated Federal Fair Housing.<br />TRUE<br />
    129. 129. Fair Housing Quiz-True or False<br />3. It is lawful to refuse to list the home of a person with AIDS, and for that reason you should always ask people if they have AIDS or are otherwise handicapped.<br />FALSE<br /> 4. A landlord with a “no pets” rule would have to make an exception in the case of a blind person with a guide dog.<br />TRUE<br />FALSE<br /> 5. A landlord who has a rule prohibiting tenants from modifying their units would be legally justified in refusing a handicapped individual’s request to relocate the wall switch to a lower position at the tenant’s cost.<br />
    130. 130. Fair Housing Quiz-True or False<br />6. An agent is uncomfortable and hesitant with people who are of a different race than the agent. As a result, the agent gives the appearance of being reluctant to serve them. This may be considered a violation of Federal Fair Housing.<br />TRUE<br /> 7. Any discrimination against any person is always illegal.<br />FALSE<br />TRUE<br /> 8. A broker must have policies and procedures to insure that his/her agents comply with Federal Fair Housing laws.<br />
    131. 131. Fair Housing Quiz-True or False<br />9. If an agent treats minority home seekers with politeness, the buyer will never have a basis for a legal complaint.<br />FALSE<br /> 10. Only showing a client homes in the area where they say they want to live is steering and you are in violation of the law.<br />FALSE<br />
    132. 132. Fair Housing Quiz-Cont’d<br /> Place an “X” next to each of the activities that you think is “possibly” a violation of fair housing. Place an “O” next to each activity that you view as “probably” not a violation<br />1. Asking buyers to tell you the neighborhoods or communities in which they are interested.<br /> O <br /> X <br />2. Telling minority buyers that they might not feel safe or comfortable in a certain area.<br /> X <br />3. Locking your car doors when you drive into certain areas of St. Louis.<br /> X <br />4. Changing the terms and conditions under which a property is offered for sale, based on the race of the prospective buyer.<br />
    133. 133. Fair Housing Quiz-Cont’d<br />5. Running stringent background checks on those prospective tenants who “look like” they might be “trouble”.<br /> X <br /> O <br />6. Finding a consistent way to present information about the property at an open house.<br /> O <br />7. Referring clients who ask about the safety of a neighborhood to the local police department.<br /> X <br />8. Pre-qualifying only those people who look like they can’t afford to buy.<br /> O <br />9. Keeping detailed records of what houses you show to whom and when.<br />
    134. 134. Fair Housing Quiz-Cont’d<br />10. Disqualifying some properties based on your assumption of what the client is looking for in terms of area, style of house, price, etc.<br /> X <br /> X <br />11. Designing special qualifying forms for minorities because their needs are unique.<br /> X <br />12. Offering a cup of coffee or a soda to customers only when you remember to do so.<br /> O <br />13. Using standard qualifying forms for all clients.<br /> X <br />14. Telling clients you will only bring the “right kind of people” to look at their house.<br /> O <br />15. Never making assumptions about the house or neighborhood that your client will like.<br />
    135. 135. Fair Housing is:<br /> The law of the land<br /> Enforced by the Federal Government<br /> The RIGHT thing to do!<br />
    136. 136. SAFETY<br />COMES FIRST!!<br />
    137. 137. SAFETY STARTS AT THE BEGINNING<br /><ul><li>No unconfirmed appointments
    138. 138. Know who you are dealing with
    139. 139. Gather information
    140. 140. Introduce potential clients to others
    141. 141. Travel in your own car
    142. 142. Bring a friend
    143. 143. Dress and act appropriately
    144. 144. Follow Company policies</li></li></ul><li>SAFETY TIPS FOR SHOWING PROPERTY<br /><ul><li>Let your office know where you are going
    145. 145. Arrive early
    146. 146. Park on the street
    147. 147. Check out the house-find and unlock exits
    148. 148. Let the client go first
    149. 149. Have your cell phone in your hand
    150. 150. Check in with your office on a regular basis
    151. 151. Program 911 into your cell phone
    152. 152. Follow Company policies</li></li></ul><li>BE CAREFUL OUT THERE!!<br />
    153. 153. WELCOME TO THE <br />ST. CHARLES REALTOR® FAMILY<br />
    154. 154. WE ARE HERE TO HELP YOU SUCCEED!!<br />
    155. 155. THIS PRESENTAITON CAN BE REVIEWED AT:<br />http://www.slideshare.net/StCharlesRealtors<br />

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