2014 Newsletter - WCR New York State

New York State Chapter
Winter 2014
We are a network of successful
REALTORS® advancing women as
professionals and leaders in
business, the industry and the
communities we serve.
President’s Message
Dear Members:
2014 Line Officers
Myriam Ramos
New York State President
Keller Williams Realty
Partners 914-424-7156
[email protected]
Theresa Crozier
New York State President-Elect
Welcome 2014! I’m excited about this year. Our markets have turned the
corner. Better and brighter times are ahead – inventories are down, prices are
stabilizing and we’ve survived to position ourselves to take advantage of the
coming opportunities. We survived a challenging market and each of us was able
to grow personally and professionally. Congratulations to all of you!!
Houlihan Lawrence, Inc.
[email protected]
As you propel yourself and your business into 2014, let me encourage you to tap
Lisa L'Huillier
into the resources available through Women’s Council. Our Mid-year Meeting in
New York State Treasurer
Hefferon Real Estate
[email protected]
Jennifer Vucetic
New York State Secretary
Better Homes & Garden Tech
[email protected]
Kelly Campbell
New York State Governor I
Century 21 Alliance Realty
[email protected]
Katherine E Dexter
New York State Governor II
Nothnagle Realtors
[email protected]
Washington D.C. is one of those resources offering top-notch educational
sessions, connecting with members from across the country, networking and
possible lifelong friendships. Come celebrate our state success and award winning
chapters receiving Silver and Gold Excellence Awards! Registration opens
February 19th.
Your 2014 State Line Officers are ready to support our local Chapters. If you
have any question or concerns, please let us know. I am honored to serve as your
2014 President and ready to have an exciting year. Are You Ready?
Myiriam Ramos
New York State President of the Women’s Council of REALTORS®
New! 2014 Local Chapter Program Recognition
WCR State Committee Chairs
Ways and Means
National Focus
Kelly Campbell
Century 21 Alliance Realty
Email: [email protected]
Janet E. Romano
Nothnagle REALTORS
Email: [email protected]
Daniela Bigalli
Homestead Funding Corp
518-373-0814 x112
Email: [email protected]
Marion Reichner
Marion Reichner Real Estate
Property Management
Business Phone: 845-735-8926
Email: [email protected]
Bylaws/Standing Rules
Kelly Campbell
Century 21 Alliance Realty Group
Business Phone: 845-297-4700
Email: [email protected]
Nominating Committee
Charlotte Van der Waag
[email protected]
Budget and Finance
Lisa L'Huillier
Hefferon Real Estate
[email protected]
Strategic Planning
Dawne Salamone
Prudential Serls Prime Properties
[email protected]
Purpose: To recognize chapters who have provided exceptional value to their
membership though effective programming that positively affects the member’s business
performance. Effective programming is defined here as timely, issue driven, revenue
generating topics.
Selection Process: States are responsible for developing a process, using the Program
Reporting Form criteria, to select programs for submission to National. States may
submit programs in the following order:
Program held 1/1/2014 through 6/30/2014 must be submitted on
or before July 31, 2014.
Program held 7/1/2014 through 12/31/2014 must be submitted on
or before January 31, 2015.
The best programs will be selected by the National Line Officer Team, and the local
chapters will receive recognition for their programs on WCR.org, at national education
sessions, in newsletters and more.
New York State may submit 5 programs. For more information go to wcr.org > Chapter
Tools > Chapter Business Planning.
Important Dates
Midyear Meeting/Awards
May 15-18, 2014
Washington, D.C.
Registration opens Feb 19th
Leadership Academy
August 1-3, 2014
Chicago, IL
NYSAR Fall Business Meeting
September 28 – October 1 2014
Turning Stone Resort & Casino
5218 Patrick Road
Verona, NY 13478
National Conference
November 5-9, 2014
New Orleans, LA
Keep Us Updated
Got a new e-mail address? Or have you
moved to a new company? Be sure to notify
National WCR of all changes to your
contact information – from phone numbers
and mailing addresses to Web sites and emails. An address correction form appears
in WCR’s annual membership directory.
Also an online correction form is available at
www.wcr.org. Or e-mail contact
information changes to [email protected], or call
toll free to 800-245-8512.
Winter 2014 Webinar for Officers: "We're Ready! Tips for a Great 2014"
February 12, 2014, at 2:30 p.m. EST. Make plans to attend this idea-packed webinar
designed to help ensure a successful start to your year.
The new Strategic Framework - review on goals and strategies.
Planning tips so you hit the ground running.
Retention and recruitment.
Intentional networking.
Valuable content and member ROI.
Reviewing your budget.
Annual Report.
Resources: where to look, who to call.
Exciting upcoming events.
Go to wcr.org to today
Thank You To Our Strategic Partner
Better Qualified is a 100% referral based credit repair
organization. We are a NJ BBB accredited company with
an A+ rating. Better Qualified is the nation’s foremost
credit expert in the real estate and mortgage industry.
Better Qualified has been helping Realtors and Loan
Officers close more deals since 2006. We offer a 100%
money back guarantee so; our partners can refer clients
with confidence.
Interested in submitting an article for
consideration for a future newsletter or post
on our NYS website?
Contact Myriam Ramos:
[email protected]
Contact: Eric Stuerken * 732-768-0670
[email protected]
Money Pros: Don’t co-sign on a student loan until you understand
the full repercussions
Often parents don’t understand that student loan debt is not discharged in bankruptcy.
Q. My child is going off to college this fall and she will be taking out a student loan. Should I co-sign on
the loan?
A. Yes, you should co-sign, but only after you understand the full repercussions.
With the cost of tuition going up every year, the use of student loans has also gone up. Student loan
delinquency just surpassed credit card delinquency for the first time ever.
That makes co-signing a student loan a very difficult decision. Parents need to understand that by cosigning, they are ultimately responsible to pay back the entire debt.
Often parents don't realize that a student loan is a very real debt. The name "student loan" makes it sound
like it is a friendly loan. It is not a friendly loan at all.
Parents should know that a student loan is not dischargeable under bankruptcy law. You can have your
mortgage, car loan, and credit cards all forgiven if you filed bankruptcy, but you would still be responsible
to pay back your student loans.
You should assume that if you co-sign, you will be paying the entire monthly payment. Here are some of
my recommendations:
*Don't borrow more than you need.
*Have an emergency fund to cover six months' worth of payments.
*If your child earns income as a student, make sure a small portion of that pay goes into that
emergency fund.
Perhaps the most important tip I would give parents relates to who should be making the payments. While
your child is the official borrower, I would encourage you to be the one sending checks to the lender. In
turn, your child should be paying you.
Why? Parents need to monitor and control loan payments to protect their own credit profile.
Unfortunately, we have seen the devastating effects that missed student loan payments can have on
parents' credit scores. Most of the time parents are not even aware that there has been a missed payment
until they apply for a loan themselves. At that point, it's far too late and the damage to the credit score has
been done. A one-time, 30-day delinquency can drop credit scores by as much as 100 points.
Student loans have become a necessary evil in today's world. A student loan can have a dramatic effect on
the credit and monthly budget of parents and their children.
Often it is a young person's first encounter with a credit obligation. It needs to be carefully considered.
By Paul Oster / Daily News
Owner of Better Qualified
New York State Chapter
Winter 2014