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Maryland DC Certified Residential Specialist (CRS) Chapter Newsletter November 2014
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MESSAGE&FROM&THE&PRESIDENT!Such%an%exci+ng%+me!%%November%brings%about%the%Na+onal%mee+ngs,%this%year%in%New%Orleans,%and%–%we%think%–%announcements%of%big%changes%in%our%organiza+on.%%I’m%looking%forward%to%geCng%the%inside%scoop%so%that%we%can%bring%all%the%informa+on%home%to%the%Chapter%members%right%away.%%In%the%mean+me,%mark%December%4th%on%your%calendars,%for%the%upcoming%General%Mee+ng%and%Installa+on%of%your%incoming%2015%Chapter%President,%Jan%Brito,%which%is%sure%to%be%a%sell%out!%%%And%just%wrapping%up%October,%for%those%who%missed%it,%great%fun%was%had%by%all%at%the%Bras%for%a%Cause%event%on%October%17th,%and%we’re%an+cipa+ng%being%able%to%make%a%substan+al%dona+on%to%The%Red%Devils,%on%behalf%of%the%Chapter;%details%forthcoming%soon.%%Watch%for%2015%calendar%sales%–%pictures%are%being%uploaded%even%now!%!Best%regards,GretchenMD%DC%CRS%Chapter%President%!
MD DC CRS CHAPTER NEWSLETTER2014 MD DC CRS
Chapter Leadership!! !!!Gretchen(Conley President%%443Y676Y1625%[email protected]%% % % %!Jan(Brito(
President%Elect%301Y646Y5774%%%[email protected]%!!Mary(Ann(Morgan(
Treasurer%301Y412Y9601%%%[email protected]%!!Vivian(Feen Secretary%443Y794Y4106%%%%[email protected]%!!Sharron(Dorsey(
Immediate%Past%President%%410Y937Y4707%%[email protected] !!!
! NOVEMBER 2014
! PAGE%� 1
THANK YOU 2014 PLATINUM SPONSORS
Thank%you%to%our%MD%DC%CRS%Chapter%Sponsors!%We%appreciate%your%support.%If%you%are%looking%to%be%a%2015%Sponsor,%please%contact%Abigial%Res+vo%at%[email protected].%
Tina%Del%Casale,%Sr.%Loan%Officer%Embrace%Home%Loans%[email protected]%Office:%800.333.3004%x3801%hdp://www.embracehomeloans.com/+naYdelcasale%
Pillar%To%Post%800.294.5591%www.pillartopost.com%
NOVEMBER 2014
Page �2
Amy%M.%Pletz%Home%Land%Sep+c%Consul+ng%amy@mdwellandsep+c.com%443.995.5385%www.mdwellandsep+c.com%
Village%Sedlements%www.villagesedlements.com%Gaithersburg%301.590.9300%Frederick%301.698.9300%Greenbelt%301.486.0799%Potomac%240.750.6818%Bethesda%240.478.6272
Melinda%Stecker,%Move%ConsultantJK%Moving%ServicesOffice:%301Y340Y6683%Mobile:%443Y722Y0965%[email protected]%www.jkmoving.com%
THANK YOU 2014 DIAMOND SPONSORS
Terry%Crawford%Old%Republic%Home%Protec+on%[email protected]%Office:%800.282.7131%x1227%www.orhp.com
Lewis%Hibbs%1st%Preference%Mortgage%Corp.%Office:%410.517.0300%Mobile:%443.695.8513%[email protected]%
Laurel%Santamarina%Columbia%Bank%Office:%410.423.8222%Mobile:%410.707.8695%[email protected]%www.LaurelSantamarina.com
Mary%Calder%mcalder@con+nentaltg.com%10025%Governor%Warfield%Parkway%Suite%100%Columbia,%Maryland%21044%Phone:%443Y201Y2300 www.con+nentaltg.com
NOVEMBER 2014
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NOVEMBER 2014
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WHY(SUPPORT(OUR(AFFILIATE(SPONSORS(BY(PATRONIZING(THEIR(BUSINESSES?
It%may%seem%like%such%a%simple%answer.%Our%Affiliates%support%us,%through%their%par+cipa+on%and%support%of%the%MD/DC%CRS%Chapter.%%So%in%turn,%let’s%show%our%apprecia+on%by%suppor+ng%our%Affiliates’%businesses!%Yes,%it’s%true,%we%wouldn’t%have%the%level%of%programs%or%even%the%CRS%courses%that%we%have,%without%our%Affiliate%sponsors.%Did%you%know%that%each%CRS%class%costs%our%chapter%at%least%$7,000?%We%are%not%bringing%that%kind%of%money%in%through%the%class%adendance%fees%alone.%We%have%a%very%ac+ve%and%produc+ve%chapter,%and%that%provides%our%members%many%opportuni+es%in%return.%%Members%gain%in%the%benefits%of%professional%networking%and%growth.%As%our%chapter%grows,%we%all%grow,%professionally,%through%our%par+cipa+on.%This%just%couldn’t%happen%without%our%Affiliate%Sponsors.%So%that%seems%like%reason%enough%to%support%them,%don’t%you%think?%!Well,%there%is%more.%Did%you%realize%that%each%Affiliate%received%a%recommenda+on%and%endorsement,%by%at%least%one%chapter%board%member,%in%order%to%be%invited%to%join%the%chapter%as%an%Affiliate%Vendor?%Why%is%that%even%important?%%As%chapter%members%strive%to%be%among%the%best%of%the%best%in%our%profession,%we%need,%and%demand,%the%same%of%our%service%providers.%Look%at%it%almost%like%a%“Good%Housekeeping%Seal%of%Approval”.%%Affiliate%Sponsors%are%%“MD/DC%CRS%Chapter%Approved”%and%received%the%chapter%seal%of%approval.%Chapter%members%can%be%assured%that%when%they%choose%a%vendor%for%their%business%from%the%list%of%chapter%Affiliates,%they%are%working%with%the%best%in%the%industry.%As%we%all%know,%this%is%paramount%when%making%a%recommenda+on%of%a%service%provider%to%our%clients.%!We%all%have%room%to%grow%even%more.%Who%do%you%have%as%a%trusted%source%in%your%list%of%service%providers,%whom%could%benefit%by%becoming%an%Affiliate%Sponsor?%Let%us%know!%Are%you%interested%in%becoming%a%Sponsorship%commidee%member?%Please%contact%Abigail%Res+vo,%Chairperson,%to%get%involved%and%help%us%all%grow%together!%%!Abigail%Res+vo%[email protected]%
NOVEMBER 2014
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MD#DC#CRS#Chapter#Officers#Installation##General#Meeting#&#Installation##
#Thursday,#December#4,#2014#
11:00#AM#–#2:00#PM!!Columbia#Country#Club#
7900#Connecticut#Ave.,#Chevy#Chase,#MD#20815##
$35#for#Members#of#MD/DC#CRS#Chapter#|#$45#for#NonSMembers##
Join#us#as#we#install#our#new#chapter#officers##Network#with#members#around#the#state,#hear#about#an#exciting#2015#for#our#
chapter,#enjoy#a#gourmet#lunch#and#hear#from#a#guest#speaker.##!
LUNCH#MENU##1st#Course:!Lobster!Bisque#2nd#Course:!1)!Filet!&!Crab!Cake:!potatoes!anna,!asparagus!with!red!pepper!!2)!Ahi!Tuna:!!Sesame!crusted!Seared,!jasmine!rice,!carrotDcucumber!Asian!slaw!3)!Salad!Trio:!!Chicken!salad,!shrimp!salad!&!waldorf!salad!on!bed!of!bibb!lettuce!3rd#Course:!Columbia!Lemon!Pie!or!Mochaccino!Ice!Cream!w/Raspberry!Sauce!Includes!coffee!and!tea!
***#Pay#ONLINE#at#http://www.mddccrs.com#***#######MAIL:##MD/DC#CRS#Attn:#Leonard!Wilson,!200!Harry!S!Truman!Parkway,!Suite!200,!Annapolis,!MD!21401#Email:#[email protected]!##Fax:!443D716D3513##||##NO#CANCELLATIONS#after!November!26#
!!
Name_________________________________________________!Company!_____________________________________!!
Address_____________________________________________________________________________________________!!
Daytime!Phone!____________________________EDmail!_____________________________________________________!!
LUNCH:#Please#choose#one##! #Filet#&#Crabcake##! #Ahi#Tuna#! #Salad#Trio#!!########Amount#Paid:#____________######Method#of#Payment:# !!Credit!Card!(Visa/Master!Card/American!Express/Discover)!
# # # # # # !!Check!(payable!to!MD/DC!CRS)!! ! ! !! ! ! !
NAME!ON!CREDIT!CARD!____________________________________________________________________________!!
CARD!TYPE!_______________!ACCOUNT!NUMBER!_____________________________________________________!!!
EXPIRES!__________________!SIGNATURE!____________________________________________________________!
We#appreciate#the#support#of#our#2014#Platinum#Sponsors!
Clean!out!your!closets!
&!bring!your!extra!shoes!to!the!luncheon,!and!fill!our!collection!box!!We’re!collecting!for!
Soles!4!Souls,!getting!shoes!to!the!
people!who!need!them!!&!helping!you!declutter!!
MARK(YOUR(CALENDARS!(UPCOMING(CRS(EVENTS!((!November(5M8,(2014( REALTORS(Conference(&(Expo,(CRS(Annual(Business(MeeYngs(
CRS%Mee+ngs%to%be%held%at%The%Wes+n%New%Orleans%Canal%Place,%New%Orleans,%LA%For%schedule%and%events,%visit%hdps://www.crs.com/events/annual%!December(4,(2014(|(11(AM(M(2(PM General(MeeYng,(Luncheon(&(InstallaYon(of(Officers(
Columbia%Country%Club%%7900%Connec+cut%Avenue,%Chevy%Chase,%MD%20815%
CRS’s%annual%SellYaYbra+on®%event%will%take%place%in%Las%Vegas%on%Feb.%16Y17,%with%a%special%preYconference%program%on%Feb.%15.%Register%before%Nov.%10%to%receive%the%early%bird%rate%of%$575%for%members!%SellYaYbra+on®%is%the%only%event%in%the%industry%that%is%specifically%for%CRS%Designees,%candidates%and%those%interested%in%improving%their%business%through%worldYclass%educa+on.%You%don’t%want%to%miss%it.%Explore%the%full%conference%schedule,%registra+on%op+ons,%VIP%package%upgrade%and%preYconference%program%at%crs.com/sellYaYbra+on.%%
NOVEMBER 2014
PAGE%�5
Learn to negotiate like the pros and learn
new strategies to deal with today’s market and
today’s buyers.
One size does not fit all!!!! Learn to read all types of
buyers and predict their behavior so that you are
better prepared to work with them in their style and
overcome the predictable objections.
This class will benefit your business and your life!!!
CRS Sales 202
Dates: Thursday, January 15, 2015 & Friday, January 16, 2015 Time: 8:30am - 5pm Place: RAR, 8975 Three Chopt Rd, Henrico, VA 23229
Scan the QR Codes
To Learn
More About
CRS 202
h p:// nyurl.com/JackiesClass202
&
An Invite to Central
VA CRS From
Coach Jackie
h p:// nyurl.com/InviteFromCoachJackie
Central VA CRS Members: Early Bird: $199 After 12/08: $210 After 12/31: $235
Non Members: Early Bird $225 After 12/08 $235 After 12/31: $260
Sign Up on Line @: http://CentralVACRSJumpStart2015.eventbrite.com
To register via credit card, please call Richmond Associa on of REALTORS 804/422-5000 Or please complete the form below and mail to Mark Goad, Treasurer, 8002 Discovery Drive, Suite 306, Henrico, VA 23229 Make Check Payable to: Central Virginia CRS Chapter Name_______________________________Nickname___________________Desina ons___________ Firm________________________________Address:_________________________________________ City/State/Zip____________________________________________Phone:_______________________ Fax:__________________________Email:_________________________________________________
Become a Member of CRS National & Chapter!As%a%member%of%the%MD%DC%CRS%Chapter,%you%receive%discounts%on%classes%plus%exclusive%access%to%chapter%events%and%more.%Don’t%miss%out!%Join%us%or%reYjoin%us%as%a%member.%Download%the%Na+onal%CRS%or%the%Maryland%DC%form%for%more%details%at%h\p://mddccrs.com%!
Na+onal%CRS%annual%membership%is%$150%|%Maryland%DC%CRS%annual%membership%is%$40%!Did%your%membership%lapse?%Reinstate%your%Na+onal%and%Chapter%membership%in%November%%
and%enjoy%14%months%of%membership%benefits.%%%
Ninja(Selling(III(M(October(22,(2014(@(GCAAR,(Rockville,(MD
The%MD%DC%CRS%Chapter%was%pleased%to%have%Michael%Selvaggio,%CRS,%teach%Ninja%Selling%III%(Business%Systems).%Michael%was%a%dynamic%teacher%who%engaged%the%class%to%implement%systems%to%help%agents%run%their%real%estate%businesses%like%a%business.%The%class%thoroughly%enjoyed%learning%from%an%instructor%and%top%producing%real%estate%agent.%We%look%forward%to%bring%Michael%back%to%in%2015%for%Ninja%Selling%I%and%II.%Join%us!
NOVEMBER 2014
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Linda Betts! ! ! Sherry Young!Jan Brito! ! ! Rachel Oslund!Gretchen Conley! ! Tina del Casale!Linda Kangrga!! ! Jatana Vanek!Jan Wilson! ! ! Ann Boone!!
The Red Devils of Maryland!Ian Shaw and Allied Quick Print!
The Gathering Place | Putting on the Ritz!Victor Ko, Proprietor, Richburn Discount Liquors, Long Reach Village Center!
Dawn Ries, Rieses Pieces, custom baked goods for all occasions, [email protected] !Women’s Council of Realtors, Anne Arundel County Chapter!
Tony Duncanson, Long & Foster, Bethesda (Emcee)!Dana Dudley, Monarch Mortgage (Auctioneer)!
Rick Barnes, Voice of America, Washington DC (DJ)!Katie Ellis-Warfield, Long & Foster, Bethesda (photographer)!
Courtney Skidmore (photographer)!HouseLens (videographer)!
Countless volunteers on the night of the event!!D Cup Sponsor: Continental Title Group!
C Cup Sponsor: Lakeside Title Company | Suzi Padget, Long & Foster Columbia !Keller Williams Realty Centre | Victoria & Albert Hair Studio!
B Cup Sponsor: AskforBill.com!!Bra Models & Designers!
Koki Adasi & Team Adasi | Joe Brandli & Jen Ward | Neal Feinberg & Gretchen Conley!Geovanny Ardon & Geovanny Ardon | George Corbin Sr & Lisa Clark | Will Harper & Krystle Housley!
David Bediz & David Bediz | Ryan Dailey & Lisa Clark | Steve Huffman & Julie Kelley!Chris Bowie & Jatana Vanek | Nick D’Ambrosia & Lisa Clark | Chuck Kasky & Gene/Susan Greer!
Travis Mack & Travis Mack | Jonathan Okun & Lisa Clark | Bill Rozek & Embrace Home Loans!CJ Miller & Jeannette Westcott | Steve Paul & Jenna/Linda Betts | Paul Stalker & Erin Phelps!
Cary Edward Moore & Suzi Padget | Mark Peay & Mary Calder | Ken Storck & Lisa Clark!John Moore & Team Moore | Phillip Ray & Phillip Ray | John Toner & Angela Toner!
Thank(You(to(the(countless(volunteers,(sponsors(and(parYcipants(for(making(the((
MD(DC(CRS(Chapter’s(2nd(Annual(Bras(for(a(Cause(a(success!(
NOVEMBER 2014
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Connect(with(us(on(the(MD(DC(CRS(Facebook(page.(You’ll(find(photos(of(our(latest(
events(on(Facebook.(Like(Us(on(the(MD(DC(CRS(Facebook(page.(%
CJ%Miller%of%Keller%Williams%Realty%Centre%was%a%crowd%pleaser%with%his%“PuAng%on%the%Glitz”%bra%garnering%the%most%money%for%a%bra%($1,400)%in%the%bra%aucLon.
John%Moore%of%Long%&%Foster%Insurance%knew%how%to%work%the%maracas%and%filled%up%his%“Cinco%de%Mayo”%bra%with%the%most%money%for%the%evening.
NOVEMBER 2014
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Fall is for Fireplaces !A%wood%burning%fireplace%is%an%appealing%feature%of%many%homes.%Here%are%some%reminders%and%+ps%for%keeping%safe%and%geCng%full%enjoyment%from%your%fireplace%this%season:%!Annual(InspecYons(–(Have%your%fireplace%and%chimney%inspected%and%cleaned%by%a%professional%to%ensure%that%it’s%obstruc+on%free%and%clear%of%creosote%–%a%black,%oily%substance%that%can%build%up%on%the%inside%walls%of%the%chimney.%Because%creosote%is%highly%combus+ble,%a%thick%accumula+on%creates%a%serious%hazard%that%can%put%your%home%at%risk%of%a%major%fire.%!Feeding(Your(Fire(–(Use%dry,%wellYseasoned%hardwoods%in%your%fireplace.%Avoid%using%pine%and%other%oily%woods,%as%these%will%not%burn%cleanly.%If%you%choose%to%use%manufactured%fire%“logs”,%do%not%burn%them%with%real%wood%to%avoid%the%possibility%of%flareYups.%!Plan(Ahead(–(Clear%the%area%around%the%hearth%of%debris,%decora+ons,%and%flammable%materials.%Use%a%metal%mesh%screen%that%covers%the%opening,%whether%you%have%glass%fireplace%doors%or%not.%Leave%glass%doors%open%while%a%fire%is%burning%to%ensure%good%ven+la+on%and%airflow.(!When(to(Clean(–(During%periods%of%heavy%use,%clean%out%the%firebox%regularly%once%the%embers%are%cold.%Leave%about%an%inch%of%ash%because%it%acts%as%insula+on,%allowing%the%coals%to%heat%faster%and%retain%heat%longer.%Never%use%a%vacuum%to%clean%up%fresh%ashes,%as%embers%can%smolder%for%as%long%as%several%days%aver%the%fire%is%out,%crea+ng%a%real%fire%hazard.(!Upkeep(–(Check%that%vents%are%unobstructed%and%able%to%do%their%job.%If%you%have%a%fireplace%fan,%keep%it%clean.%In%nonYwood%burning%fireplaces,%clean%and%adjust%glowing%embers%and%logs%for%best%appearance.(!Cap(Your(Chimney(–(Have%a%cap%installed%at%the%top%of%the%chimney%to%deter%animals%from%entering,%help%prevent%water%damage%and%keep%debris%from%blocking%the%opening.%A%spark%arrestor%will%prevent%live%embers%from%escaping%the%chimney%and%landing%on%your%roof%or%other%buildings.(!Use(Common(Sense(–(Never%leave%a%fire%unadended.%Make%sure%the%fire%is%completely%out%before%leaving%the%house%or%going%to%bed,%and%keep%children%and%pets%away%from%the%fireplace.%(!Be(Community(Aware(–%Many%local%ordinances%prohibit%the%burning%of%wood,%manufactured%logs,%or%pellets%on%days%or%nights%when%the%amount%of%par+culate%mader%in%the%air%reaches%a%predetermined%level.%Be%sure%to%check%with%your%local%air%quality%district%or%fire%department%before%ligh+ng%your%next%fire.%!Article courtesy of Pillar to Post
!
NOVEMBER 2014
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Linda%Kangrga%has%led%the%charge%in%collec+ng%shoes%for%Soles4Souls.%Another&81&pairs&of&shoes%were%collected%for%the%cause.%A%huge%thanks%to%Long%&%Foster%Columbia.%We%are%always%looking%for%more%shoes.%%!We%accept%gently%worn,%pairs%of%shoes%from%just%one%pair%to%many%pairs!%Bring%them%with%you%at%our%next%CRS%event.%The%recipients%of%the%shoes%are%so%grateful.%%Please%bring%your%donaLon%(shoes%paired%with%rubber%bands%and%placed%in%a%cardboard%box)%to%our%next%event%or%contact%Linda%Kangrga%at%[email protected].%Linda%would%like%to%make%quarterly%deliveries.%!
Chapter With A Heart: Soles4Souls
Get&informaCon&and®ister&for&our&next&event&at&the(MD(DC(CRS(Chapter(website(at(hdp://mddccrs.com.(We%accept%PayPal%online%for%class%&%event%registra+ons.%
Chapter With A Heart: Get Your 2015 Calendars
Keep(company(with(these(fabulous(bra(models(all(
through(the(calendar(year(of(2015.(Order(your(2nd(
Annual(Bras(for(A(Cause(2015(Calendar.(Contact(a(MD(
DC(CRS(Chapter(board(member(for(your(2015(calendar.(
Cost($15.
NOVEMBER 2014
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Get(Involved(with(CRS!(We’d%love%to%see%your%face!%%!!!
CommunicaYons:(Jen%Ward%at%[email protected]%!!!!EducaYon:(Sharron%Dorsey%at%[email protected]%%!!!!Programs:(Vivian%Feen%at%[email protected]%!!!!!!!!!!!
!!! !!!Sponsorship:%Abigail%Res+vo%at%[email protected]%!!!Chapter(with(A(Heart:(Linda%Kangrga%at%[email protected]%!!!!Public(RelaYons:(Ka+e%Rubin%at%ka+e@ka+ekatz.com%!!!!!!
Area(Vice(President(Coordinator:%%Sherry%Young%at%[email protected]
Maryland&DC&CRS&Chapter&Upcoming&Board&MeeCngs&!November(18((||(December(9(!
Board(meeYngs(are(held(from(1M3(PM(at(Gretchen(Conley’s(Office:((
Keller%Williams%6230%Old%Dobbin%Lane,%#150,%Columbia,%MD%21045
NOVEMBER 2014
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WE(WANT(YOU!!!
Have%you%thought%about%geCng%involved%but%don’t%know%which%commidee%complements%your%skills%and%interests?%Not%ready%for%a%longYterm%commitment?%No%worries%Y%we%can%use%your%help%by%the%event.%%It%will%give%you%a%chance%to%get%to%know%us%and%see%how%involved%you%want%to%be.%Let%Jan%Brito%know%where%your%interests%lie.%Contact%Jan%Brito%at%[email protected]%or%301Y646Y5774.
Do(you(enjoy(social(media?((
Are(you(influenYal(in(engaging(
people(to(talk(about(the(latest(
and(greatest?
Do(you(enjoy(technology?(
Do(you(like(to(write?(
Are(you(able(to(
communicate(with(a(
variety(of(people?
Do(you(champion(a(cause((
and(want(to(help(people?(
Are(you(creaYve(in(problem(
solving(and(creaYng(new(
opportuniYes?(
Do(you(enjoy(event(planning?((
Are(you(great(at(negoYaYng(a(
great(deal?
Do(you(love(learning?((
Are(you(the(1st(person(to(tell(
everyone(about(a(great(class(
you(a\ended(or(a(new(
instructor?(
Do(you(like(seeing(growth?(
Are(you(someone(that(likes((
strategic(planning(and(meeYng(
goals?(
Do(you(like(sales?(
Are(you(the(person(that(likes(to(
create(synergy(between(
complimentary(groups?
COMMUN
ICATIO
NS
SPONSO
RSH
IP
PUBLIC(RELATIONS
CHAPTER(W
ITH(A(HEA
RT
PROGRAMS
EDUCATION
MEM
BERSHIP
NOVEMBER 2014
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MD(DC(CRS(Chapter(Members
NOVEMBER 2014
PAGE%�13
MD(DC(CRS(Chapter(Members
NOVEMBER 2014
PAGE%�14
!Register%for%a%class%anywhere%around%the%country%at%hdps://crs.com/oneYdayYessen+als.
Are&you&a&MD&DC&CRS&Chapter&Member?&&&Want&people&to&know&that&you&are&a&CRS&designee?&&Looking&for&a&lisCng&advantage?&!MD(DC(CRS(sign(riders(are(available(to(market(your(property.%It’s%just%$10/sign%rider%and%proceeds%will%be%donated%a%charitable%organiza+on.%The%proceeds%of%sign%riders%will%be%donated%to%Chesapeake%Habitat.%Limited%quanLLes%available.%%!Contact%Jan(Brito%at%[email protected]%or%301Y646Y5774%to%reserve%your%sign%riders.%%
MD(DC(CRS(Sign(Riders(M(Start(markeYng(your(CRS(designaYon!(
NOVEMBER 2014
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We(LOVE(Your(Referrals
ADVERTISING: NEWSLETTER 2014%Get%a%jump%start%on%2015.%We%are%accep+ng%adver+sers%for%2015%Y%it%is%your%opportunity%to%get%addi+onal%exposure%in%our%newsleder%plus%you%can%get%terrific%CRS%referrals!%%It’s%EASY!%Fill%out%the%Newsleder%Referral%Adver+sing%Form%Y%here.%% !
Sykesville%&%Westminster%Columbia%&%Ellicod%City%
Bethesda%&%Washington%D.C.% Columbia%&%Ellicod%City%
Elkridge%&%Columbia%
NOVEMBER 2014
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