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September 2009

August 2009

Blogging & Social Media for Business - CE Class on Sept 23, 2009 - Las Vegas

Real Estate Blogging 101 Register for Blog Class NOW!

Sponsored by Lucky Katz Seminars

Wednesday, September 23, 2009,
1:00 to 4:00 pm

First United Mortgage Building
(215 - between S. Buffalo and S. Durango - off W. Sunset)
Not on Mapquest - Here is a MAP
$45 in advance; $55 at the door

Register online at

Download  - Blog Class Flyer Sep2009

Jan O’Brien      858-9191,
Kathryn Bovard 348-7191,
Three hour (CE Approved) training seminar covering…
o    What is a Blog? Who Is Blogging? Why should You Blog?
o    The anatomy of a blog – understand all the components
o    6 Questions to Consider before Launching a Blog
o    Learn the 15 Top Tips for A Successful Blog
o    How to generate leads using a blog and other social media
o    Learn how to use FACEBOOK, TWITTER, ACTIVE RAIN and LINKEDIN to optimize and drive traffic to your blog!
o    How does Web 2.0/social networking impact the real estate industry?
o    At the end of this class, you will be ready to know if you want to blog or not and the steps to take to be successful

Bonus Materials - Receive a copy of:

o Tutorial ($20 value) A step-by-step guide to launch your blog
o    Real Estate Agents Internet Resource Guide ($10 value)
A comprehensive guide to online Listing Tools, Blogging and other Web 2.0 services, tools and technologies

Approved by the Nevada Real Estate Commission

3 Hours Continuing Education (PD) CE.3706000-RE


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Nevada Homeowners Go Green & Away from Asbestos

Located in the western region of the United States, Nevada is a Mecca for those wanting to view Mother Nature's beauty first hand. With a large amount of natural parks, lakes, canyons and scenery, what home buyer would not want to call this state their home?

The road to owning a home is a wonderful experience, but requires new responsibilities. Homes that are newly purchased may require additional remodeling or repairs. Having the assistance of an honest and reliable Nevada real estate agent can make all the difference in the world.

Asbestos Tips & Prevention

Used throughout the 20th century to insulate pipes, boilers and in roofing, asbestos gained recognition due to its resistance to heat and electrical conductivity. Asbestos typically appeared in ceiling insulation, piping, siding, roof shingles and flooring. Homes and buildings built before 1980 may still contain asbestos materials.

If you are located any suspected asbestos in the home, the best advice is to leave it un-disturbed and un-touched. Asbestos that remains in that state will likely not pose any cause for concern. When it becomes disturbed due to age or human interaction, this is known as "friable" asbestos. This can become a concern because the potential for its fibers to become airborne is possible.

If asbestos needs to be removed, it should be performed by licensed abatement contractors. These contractors are trained in the handling and disposal of asbestos in public facilities and homes. Although it may prove to be costly, it is worth the price for achieving a healthy home. Prolonged exposure to airborne asbestos may lead to the development of a rare, but aggressive form of asbestos lung cancer known as mesothelioma. Diagnosis of this asbestos-related lung illness is a difficult task due to a long latency period and many mesothelioma symptoms mimicking less serious ailments.

Benefits of GREEN Building

Many states throughout the country are taking an active role in not only implementing green, Eco-friendly methods of building, homeowners can now receive tax credits for doing so. By utilizing green energy home solutions, citizens and homeowners can play an active role in the transformation to a sustainable and healthier world. With the consistent growth in technology and public awareness, there are currently a number of products which replace the need for asbestos. The implementation of green alternatives such as cotton fiber, lcynene foam and cellulose can reduce annual energy costs by 25 percent. Cotton fiber is also becoming a favorite insulation method. Made from recycled batted material, it is then treated to be fireproof. Water based spray polyurethane foam, lcynene, is a healthy insulation which contains no toxic components.

Many health and economic benefits can be achieved as well. These include: Conservation of natural resources, enhance air quality, protect Eco systems, energy sustainability, increase property value, improve quality of life, improvement of pulmonary and cardiac health and reduction of waste.


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Free Download of 3 Classic Motivational Books

If you haven't read these classics before (or even if you have, they are worth revisiting), download a PDF version today and be prepared for a motivational-inspirational deluge of information to apply, remember, reinforce in your daily life.

FREE eBook Downloads:

Think and Grow Rich -Napoleon Hill

The Master Key System-Charles F. Haanel

Richest Man in Babylon - George S. Clason

Here is a link to the books I recommend on business, personal development and blogging/social media:

Recommended books on

Business, Blogging & Social Media, and Personal Development


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Pink Dragon Ladies Book - An Inspiring Chronicle of Life, Teamwork, Courage and Perseverance

Law_Verona I remember my sister, Loreen, sharing an amazing story of courage, teamwork and perseverance last year.  Loreen is a breast cancer survivor who  just got her 5 year checkup and is cancer-free!  In fact, my two other sisters and I just returned from a trip to NYC as she went through two grueling days of tests, scans, and more tests at the amazing Memorial Sloan-Kettering complex of facilities.  Loreen is a graduate of the General Seminary of the Episcopal Church and is now living in Tampa, FL about to work as a Chaplain at the Tampa VA hospital.  Check out her website and blog at

Loreen is a true inspiration and has a powerful transformational story to share herself.  She is focused on living in the moment, doing what she is passionate about and, as her doctor recently said, "Just live your life."    She is my hero.

When she moved to Tampa, Loreen got involved with the Pink Dragon Ladies  - a dragon boat paddling team consisting of breast cancer survivors, some of them still in active treatment .  The team competes in dragon boat races all over the country and last year, Canada.  In fact, the Windsor, Ontario competition and the amazing story behind it was the inspiration for the book "Paddling Against the Current: Chronicles of Cancer and Courage."  The book chronicles the team's victory race in Windsor through individual stories by the team members and is "dedicated to Carol Lee Banks (1952-2008) - passionate paddler, fearless leader, dedicated friend."

From the epilogue:

"As their beloved Carol Lee left the race venue that fateful Saturday afternoon in Windsor, Ontario, too tired to stay and watch the last race, each Pink Dragon Lady made a commitment to win that race as a gift to her.  What none of them realized, was that she was giving a gift to them.  Carol Lee, and their love for her, gave each Pink Dragon Lady a reason to dig deep, find that fire that burned in her belly, harness its power, and win against all odds.  It's a truth of dragon boating; it's a truth of cancer survivorship; it's a truth of life."

Visit the Pink Dragon Ladies blog to order this inspirational book.

Order online by making a $20 donation (free shipping and handling) per book. List "Book" under Donation Designation. (You can uncheck the box to make an additional donation to Name, address, and email is required for order fulfillment.

Here is an excerpt from the book...Loreen's contribution:

PDL_Book "As the team stood in line to board our boat for the final race in Windsor Canada, several ladies looked at me and said, “Can you say a prayer for all of us?” They knew I had recently graduated from seminary.  I told them I was hesitant to pray with the whole team for I was not sure how that would be received, unsure of how people felt individually about prayer.  However, I told these ladies that I had just prayed silently for all of us as we lined up.  They were elated and a few of them with widened eyes and smiles on their faces said, “Me too.  I just prayed.”

I shared with them the prayer that I had just prayed: “God, I ask you to be with all of us now.  Please give us the strength, focus, and courage to give our all in this race. May we go beyond ourselves and our own limitations with your help.   Amen.”

We looked at each other with contentment and a sense of focus. We won that race and our division final in record time!  We went beyond what we thought we could do.  We did it together.  A flood of emotion and elation filled that boat as we crossed the finish line.  We had certainly not been alone during that race. We did it with God’s help and in the spirit of those team members who were too sick to be there with us.  As we got out of the boat, those same few ladies looked at me and said….”We did it.  Oh, the power of prayer, right!?”  Right.  What a blessing to be with this team who has such a strength of heart."


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Pink Dragon Ladies Trailer from Amber Barrera on Vimeo.

HERA: Housing and Economic Recovery Act (effective July 30, 2009) Could Impact Closing Dates

Recent Federal legislation (HERA - Housing and Economic Recovery Act - effective July 30, 2009) could impact the closing date of your real estate transaction.  When completing a purchase agreement, consider a conservative closing date of 30-45 days from the accepted contract date.

HERA was designed to ensure that the borrower(s) involved in the transaction are given accurate disclosure information (Truth in Lending Statement pertaining to Annual Percentage Rate or APR) regarding the loan they are applying for and adequate time to re-evaluate their decision to proceed in the event of any changes that would impact their costs to finance.

Key points of HERA:

  • No fees may be collected for the transaction other than those for running a credit report at the initial time of application. Additional fees may be collected only after four business days.
  • Should the APR change by more than .125% on a fixed rate loan or .250% on an adjustable rate loan, the lender must disclose the new APR and the borrower must have a minimum of three business days to review the information before the transaction may proceed.
  • Items that can trigger re-disclosure requirements include a change(s) in the loan amount, closing date, loan program, interest rate changes (waiting to lock interest rate), any fees that impact the APR or interest rate from the rate indicated on the original loan application.
  • In cases where documents are sent by mail to the borrower related to re-disclosure of APR and/or providing a copy of the appraisal, anticipate six business days (three to allow for mailing and three to allow adequate time to review them) before a closing can occur.

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What is a CLUE Report and How to Obtain One

The  Residential Purchase Agreement from the Greater Las Vegas Association of Realtors added the CLUE report as a due diligence option for buyers to request in 2009.  Here is some more information about the CLUE report and how to obtain one.

What is a CLUE report?

The C.L.U.E.® (Comprehensive Loss Underwriting Exchange) Report.  CLUE is a report of claims information generated by ChoicePoint, a consumer-reporting agency. Insurance companies report claim information to ChoicePoint, such as the type of claim and how much they paid on a claim. In exchange, insurance companies can access the claims history of a specific consumer or property. A CLUE report generally contains up to five years of personal auto or personal property claims history.

A CLUE report contains:

• Your name

• Date of birth

• Policy number

• Date of loss

• Type of loss

• Amount the insurance company paid

• Description of the covered property

• Property address (for homeowner coverage)

• Specific vehicle information (for auto coverage)

How insurance companies use CLUE reports

An insurance company may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to determine if it will offer you coverage and how much you will pay. They believe past claims indicate that you’re more likely to file a claim in the future. 

Who maintains this database?

The major issuer of CLUE reports is ChoicePoint, a Georgia company that is one of the country's biggest compilers and sellers of personal consumer data. A property loss database is also maintained by Insurance Services Office (ISO) which calls its database the Automated Property Loss Underwriting System, or A-PLUS. The Fair Credit Reporting Act entitles you to a copy of your CLUE report.

TO ORDER A CLUE Reports: Visit  LexisNexis Personal Reports (formerly Choice Trust) or call (866) 312-8076 (automated voice line). NOTE: The homeowner must be the person ordering the report.  If you are a buyer, check with your insurance company, they may be able to obtain the CLUE report as a service to you. website (Fact Sheet 26 - CLUE Insurance Databases)


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