California GRI Blog

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noreply@blogger.com (norbertackerman) — Wed, 10 Mar 2010 20:09:00 +0000

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California GRI classes for the week of March 8

noreply@blogger.com (norbertackerman) — Fri, 05 Mar 2010 20:01:00 +0000

Laguna Hills - Mar 9 (Tue) - GRI #100 Agency Relations...
Laguna Hills - Mar 9 (Tue) - GRI #101 Ethics, Professi...
Beverly Hills - Mar 10 (Wed) - GRI #112 Environmental Co...
Sacramento - Mar 11 (Thu) - GRI #102 Trust Fund Manag...
Sacramento - Mar 11 (Thu) - GRI #104 Fair Housing...
San Mateo - Mar 11 (Thu) - GRI #111 Investment Prope...
San Dimas - Mar 11 (Thu) - GRI #102 Trust Fund Manag...
San Dimas - Mar 11 (Thu) - GRI #104 Fair Housing...

More information: All GRI schedules | How to Register | (888) 785-4800

California GRI classes for the week of March 1

noreply@blogger.com (norbertackerman) — Fri, 26 Feb 2010 18:13:00 +0000

San Jose - Mar 2 (Tue) - GRI #109 Residential Real...
Anaheim - Mar 2 (Tue) - GRI #109 Residential Real...
Pasadena - Mar 3 (Wed) - GRI #105 Legal Issues...
Corona - Mar 5 (Fri) - GRI #113 Real Property, T...
Santa Rosa - Mar 5 (Fri) - GRI #108 GRI Risk Managem...

More information: All GRI schedules | How to Register | (888) 785-4800

California GRI classes for Feb. 22

noreply@blogger.com (norbertackerman) — Fri, 19 Feb 2010 21:00:00 +0000

Pleasanton - Feb 24 (Wed) - GRI #113 Real Property, T...
Bakersfield - Feb 24 (Wed) - GRI #114 Essential Concep...
Palm Springs - Feb 24 (Wed) - GRI #100 Agency Relations...
Palm Springs - Feb 24 (Wed) - GRI #101 Ethics, Professi...
Fresno - Feb 25 (Thu) - GRI #113 Real Property, T...
San Diego - Feb 26 (Fri) - GRI #110 Marketing, Finan...
San Gabriel - Feb 26 (Fri) - GRI #109 Residential Real...

More information: All GRI schedules | How to Register | (888) 785-4800

Running Out of Space on your Hard Drive?

noreply@blogger.com (Lily) — Wed, 17 Feb 2010 18:10:00 +0000

Is your computer running really slow? Have you received error messages when downloading or installing applications? You may be running out of space on your hard drive. Before you go out and buy a new hard drive or a new computer all-together, there are a few things you can do to fix the problem in the meantime.

First, take a look at the disk space. Double click on the My Computer Icon on the Desktop, or click on the My Computer icon located in the Start Menu. (In Windows 7 and Vista, this has been changed to Computer.) Locate the hard disk drive. It will most likely be called Local Disk (C:). Right click on the drive and click on Properties. If the free space on the computer is less than 15% of the total space, you will need to clean out the computer. (For example, if you have a 100GB hard drive, you will need a minimum of 15GB free in order for the computer to function properly.)

If you need to free up space on your computer, then here are just few things that you can do.

CCleaner
Download and run CCleaner. This is the easiest and fastest way to free up the hard drive.

Disk Cleanup
From the Local Disk (C:) Properties dialog box, click on Disk Cleanup or go to the Start Menu -->All Programs -->Accessories -->System Tools and choose Disk Cleanup from the menu. Run Disk Cleanup.

After it has finished calculating how much space will be freed, you will be prompted to choose the types of files you would like to delete.

Check all the files in the list. (Downloaded Program Files, Temporary Internet Files, Offline WebPages, etc.)

Note: I will often leave “Office Setup Files” unchecked. This can be useful if you do not want to always look for the Microsoft Office Installation Disks every time you need to run a repair or make changes to the Microsoft Office Installation.

Click Yes when asked if you want to perform these actions.

This may take anywhere from a few minutes to several hours depending on the speed of the computer and how much needs to be cleaned up. (If you have already run CCleaner, it will not take as long.)

Delete Unnecessary and Temporary Files
Go through the folders on the hard drive one by one and delete unnecessary files.

Do not delete anything in the Windows directory.
Do not delete anything in the Program files directory (yet).
Do not delete anything that you do not recognize, just in case it is a necessary file.
What you can delete are temporary folders (for example, c:\TEMP), document files and downloaded files that are no longer needed.
You can also download a hard drive visualization program, such as WinDirStat, to help you determine which files and folders take up the most space on the hard drive.

Add/Remove Programs
Open CCleaner and click on the Tools tab on the left hand side. Click on Uninstall. If you do not want to download and install CCleaner, you can use Add/Remove Programs located in the Control Panel. Uninstall any unnecessary programs.

Once you have uninstalled those unnecessary programs and restarted the computer, you can go into the Program Files folder and search for the folders that contained these programs. If they are still in the Program Files folder, you can delete them.

Move Files to a New Drive
If you have purchased a new hard drive, then you can begin moving over some of the files.

One of the easiest things to move over is the My Documents folder. From the Desktop, right click My Documents. You can also access the My Documents folder from the Start Menu. From the right-click menu, choose Properties. In the Target tab, click on the Move… button and choose a new location for the My Documents folder on the new hard drive.

You can also move over documents, downloads, and other files that are located in folders other than the My Documents folder.

If you have to move over programs, you will need to uninstall them from the old hard drive and reinstall them on the new hard drive. Sometimes, you will have to choose custom or advanced settings for the installation in order to install the program on a drive other than the C: Drive.

Compress Drive to Save Disk Space
If you still need to free up some room on the hard drive, you may want to consider allowing Windows to compress the drive. If you go back to Local Disk (C:) Properties, you will see an option to Compress drive to save disk space. Once you check this box and click OK, the drive compression will start. This process may take hours, but will free up room on the hard drive. The drawback is that files that have been compressed may take longer to open.

If you don't want to compress the whole drive, you also have the option to only compress files and folders of your choosing. For example, if you want to compress the files located in the My Documents folder, you would right-click on My Documents and click on Properties. In the General tab, click on the Advanced button. Under Compress or Encrypt attributes, check the option to compress contents to save disk space.

Defrag
Once you have completed these steps, you should run Disk Defragmenter. You can find Disk Defragmenter in the Tools tab of the Local Disk (C:) Properties dialog box or in Start Menu -->All Programs -->Accessories -->System Tools.

A GRI Student's Experience

noreply@blogger.com (norbertackerman) — Wed, 17 Feb 2010 01:32:00 +0000

Student Anna Campell shares her GRI experience in her blog.

California Association of Realtors® provides Graduate Realtor® Institute (GRI) for all associated real estate agents within the California area. The GRI designation provides real estate agents, real estate brokers, and the general public an opportunity to learn about every area pertaining to real estate in depth.

Attending the Environmental Concerns, Construction overview and Land Use Course 112 on Wednesday, January 27, 2010 in Pleasanton, CA provided me with an in depth understanding about how the environment affects property values and insurance claims. How construction styles and levels of quality impact home buyers and sellers. And how land use can effect the level of use and value.

Our instructor, Mr. Ignacio Gonzalez, had over twenty (20) years of experience in various fields directly effected by environmental concerns, construction, and land use. Mr. Gonzalez provided us with real life experiences, stories, and examples so that we could understand how each of these areas can impact us as real estate agents and also home sellers or home buyers. The practical information Mr. Gonzalez provided also included why vacant homes often have a "sewer" type smell in them during a showing. This is caused by the tubing connecting the sinks, toilets, and showers to the sewer line. While in use, a small amount of water catches in the pipe and blocks the “sewer” smell from entering. However, when the sinks, toilets, and showers are not used for a certain length of time, that water evaporates and the "sewer" smell is able to get through.

While this class was a day long event, it was needed in order to pass on the amount of information and practical knowledge this specific instructor had to share.

The class concluded with an exam that was being graded later with the scores and/or certificates being sent to the attendees at a later date. The entire course consists of fourteen (14) classes. I would encourage anyone that owns a property, interested in purchasing a property, or becoming a real estate agent or broker to attend these courses.

For more information about what a GRI designation can provide for you or about individual classes visit the California Association Realtor®'s approved website: http://edesignations.com

California GRI Classes for the week of Feb 15

noreply@blogger.com (norbertackerman) — Fri, 12 Feb 2010 21:47:00 +0000

Antioch - Feb 18 (Thu) - GRI #114 Essential Concep...

More information: All GRI schedules | How to Register | (888) 785-4800

Great iPhone App for REALTORS® from Better Homes & Gardens

noreply@blogger.com (Lily) — Thu, 11 Feb 2010 20:13:00 +0000

Trulia's iPhone app is a great tool that can help you locate homes for sale while you are on the road.

However, if you are a REALTOR®, we recommend that you take a look at the Better Homes & Gardens iPhone app. It is a very useful tool that provides detailed information on the neighborhood.

You can quickly and easily access information for potential Buyers on everything from population demographics to the best schools in the area.

If you find yourself in an area you are unfamiliar with, it is helpful to have the following information to provide to an inquisitive buyer:

Home Values: Sales activity and recent price trends
Community Information: Who lives in the neighborhood
School Information: Detailed information on schools in the area, its GreatSchool rating, and information on the Students and the Faculty
Points of Interest: Restaurants, shopping malls, movie theaters and banks

It can also help your potential buyers organize photos and information they have gathered on the properties that you have shown them. This will help them keep properties fresh in their memories.

California GRI classes for the week of Feb. 8

noreply@blogger.com (norbertackerman) — Fri, 05 Feb 2010 18:45:00 +0000

Laguna Hills - Feb 9 (Tue) - GRI #114 Essential Concep...
San Luis Obispo - Feb 10 (Wed) - GRI #107 Technology Appli...
Pasadena - Feb 10 (Wed) - GRI #102 Trust Fund Manag...
Pasadena - Feb 10 (Wed) - GRI #104 Fair Housing...
Vista - Feb 11 (Thu) - GRI #106 Money Making Str...
Sacramento - Feb 11 (Thu) - GRI #100 Agency Relations...
Sacramento - Feb 11 (Thu) - GRI #101 Ethics, Professi...
San Mateo - Feb 11 (Thu) - GRI #110 Marketing, Finan...
Corona - Feb 12 (Fri) - GRI #112 Environmental Co...

More information: All GRI schedules | How to Register | (888) 785-4800

California GRI classes for the week of Feb. 1

noreply@blogger.com (norbertackerman) — Fri, 29 Jan 2010 17:10:00 +0000

Anaheim - Feb 2 (Tue) - GRI #108 GRI Risk Managem...
San Jose - Feb 2 (Tue) - GRI #108 GRI Risk Managem...
Santa Rosa - Feb 5 (Fri) - GRI #107 Technology Appli...

More information: All GRI schedules | How to Register | (888) 785-4800

Credit Received From the GRI Series

noreply@blogger.com (norbertackerman) — Mon, 25 Jan 2010 19:05:00 +0000

Successfully completing the California Graduate Realtor Institute (GRI) series will allot each student 92 hours of GRI Designation and Continuing Education credit. A GRI completion certificate will be awarded and the continuing education credit obtained will satisfy the State of CA requirements for all salesperson and broker license renewals.

The CA GRI series consists of the 5 Mandated Courses and 9 Continuing Education Unit courses. The GRI program consists of the following:

#100 Agency Relationships, Duties and Disclosures (3 Hours, Agency-Mandated)

#101 Ethics, Professional Conduct and Legal Aspects (3 Hours, Ethics-Mandated)

#102 Trust Fund Management (3 Hours, Trust Funds-Mandated)

#104 Fair Housing (3 Hours, Fair Housing-Mandated)

#105 Legal Issues (8 Hours, Consumer Protection)

#106 Money Making Strategies for Success (8 Hours, Consumer Service)

#107 Technology Applications in Real Estate (8 Hours, Consumer Protection)

#108 GRI Risk Management (8 Hours, Risk Management-Mandated)

#109 Residential Real Estate Finance (8 Hours, Consumer Protection)

#110 Marketing, Financing and Managing Commercial Properties (8 Hours, Consumer Protection)

#111 Investment Property Analysis (8 Hours, Consumer Protection)

#112 Environmental Concerns, Construction Overview & Land Use (8 Hours, Consumer Protection)

#113 Real Property, Tax and Exchanging (8 Hours, Consumer Protection)

#114 Essential Concepts of the C.A.R Residential Purchase Agreement (8 Hours, Consumer Protection)

You may also download a PDF format of the GRI program and DRE Classification information.

Contact PRI at (888) 785-4800 or www.eDesignations.com to enroll or for more details

California GRI classes for the week of Jan. 25

noreply@blogger.com (norbertackerman) — Fri, 22 Jan 2010 19:36:00 +0000

Pleasanton - Jan 27 (Wed) - GRI #112 Environmental Co...
Bakersfield - Jan 27 (Wed) - GRI #113 Real Property, T...
Fresno - Jan 28 (Thu) - GRI #112 Environmental Co...
San Gabriel - Jan 29 (Fri) - GRI #108 GRI Risk Managem...

More information: All GRI schedules | How to Register | (888) 785-4800

California GRI classes for the week of Jan. 18

noreply@blogger.com (norbertackerman) — Fri, 15 Jan 2010 22:49:00 +0000

Thousand Oaks - Jan 21 (Thu) - GRI #105 Legal Issues...
Antioch - Jan 21 (Thu) - GRI #113 Real Property, T...
San Diego - Jan 22 (Fri) - GRI #109 Residential Real...

More information: All GRI schedules | How to Register | (888) 785-4800

Why Most Business Goals Fail

noreply@blogger.com (norbertackerman) — Fri, 08 Jan 2010 22:53:00 +0000

by GRI Instructor Michael Soon Lee, MBA, CSP, CRS, GRI

Author: "111 Ways to Justify Your Commission" and "Black Belt Negotiating"

It's a sad fact that most business goals are never achieved. Here are just a few of the reasons why:

1. Not specific. Many of us set goals like, "Make a lot of money" or "Sell a lot of houses". How do you know when you've reached these goals? Set specific goals like "Gross $180,000 in commissions" or "Sell 30 homes" which enables you to track your progress both monthly and quarterly.

2. Unrealistic. Most of us in the real estate profession are optimists otherwise we'd have a regular 9-5 job with a guaranteed paycheck. While it's fine to be optimistic when setting goals you must also be realistic. If your goal is to gross $180,000 in a year but the most you've ever grossed is $80,000 is there some major change you are going to make in your business that will enable you to make such a drastic shift? Otherwise you may want to scale back your goal to perhaps $100,000.

3. No deadline. Many people have the goal of having $1 million in assets but don't have a deadline. If you earn $50,000 a year for 20 years you would have earned $1 million but you probably have much less than that in net worth. Setting a deadline is crucial in reaching your goals and it also enables you to track your progress.

4. No accountability. Probably the biggest dream-killer is not having someone else hold you accountable for making steady progress towards the achievement of your goals. Ask your broker, office manager, friend or significant other to periodically check-in to see how you''re doing in reaching your goals.

In my next blog I'll give you some ideas about how to develop accountability for your goals.

California GRI classes for the week of Jan. 11

noreply@blogger.com (norbertackerman) — Fri, 08 Jan 2010 18:02:00 +0000

Laguna Hills - Jan 12 (Tue) - GRI #113 Real Property, T...
San Luis Obispo - Jan 13 (Wed) - GRI #106 Money Making Str...
San Mateo - Jan 14 (Thu) - GRI #109 Residential Real...
Vista - Jan 14 (Thu) - GRI #105 Legal Issues...
Sacramento - Jan 14 (Thu) - GRI #114 Essential Concep...

More information: All GRI schedules | How to Register | (888) 785-4800

Holiday Info and Wishes

noreply@blogger.com (norbertackerman) — Wed, 23 Dec 2009 19:41:00 +0000

In celebration of the upcoming Holidays, PRI's schedule is as follows:

CLOSING at 1:00 PM: Wednesday, December 23, 2009
CLOSED: Thursday, December 24 & Friday, December 25, 2009

2010
CLOSED: Friday, January 1, 2010

To enroll online and view all current schedules, visit www.eDesignations.com. Please do not leave messages on the days the PRI office will be closed, as there will be no one available to return your call.

"We wish you a happy and healthy Holiday Season to you and your families!"

From all your friends at PRI

Plan Now For a Great New Year!

noreply@blogger.com (norbertackerman) — Mon, 21 Dec 2009 23:27:00 +0000

by GRI Instructor Michael Soon Lee, MBA, CSP, CRS, GRI

Author: "111 Ways to Justify Your Commission" and "Black Belt Negotiating"

If you want to have a successful 2010 it's time to start planning NOW! Leave your fate up to the whims of the market and you're more likely than not to miss your goal.

In a nutshell, here are the steps to planning for a successful new year:

1. Decide how much income you want to make in 2010. Don't forget to include taxes in your earnings projection. As a self-employed worker your income tax bracket is likely to be 50% or higher so check with your tax accountant. In a 50% tax bracket you must gross $180,000 to have $90,000 to spend after taxes.

2. Look at your goal and decide if it's realistic. While it's perfectly fine to be optimistic, if you set $180,000 as your target and you've never made half that it might not be realistic.

3. Calculate the average net commission you are paid from a real estate transaction after deducting your broker's fee and other expenses.

4. Divide your earnings goal by your average net commission which determines how many transactions you must do in 2010. For example, if you want to earn $180,000 and net $6,000 per transaction you must do 30 transactions next year. At this point you may want to reevaluate how realistic you goal is because if you've never even closed 20 deals in a year you may need to scale back your target.

5. Divide the number of transactions for 2010 by 12 to get the number of transactions you must close per month. In the above example you must close 2.5 transactions a month to reach your goal.

6. Put together a marketing plan with your office manager that brings you enough buyers and listings to reach your per-month transaction target. So if half of the clients you work with actually end-up buying or selling a home through you it will take 5 clients a month to hit your target income.

7. Monitor your success rate on a monthly basis and adjust as necessary.

In my next blog I'll explain why most business goals fail...

Give Yourself the Gift of Knowledge - Get Your GRI!

noreply@blogger.com (norbertackerman) — Tue, 15 Dec 2009 18:29:00 +0000

GRI is currently offering a great Holiday deal to REALTORS® who enroll in the GRI series before the end of the year. Throughout the year, pre-paying for the GRI series will save you $163. If you act NOW and enroll in the series before December 31, 2009, you can SAVE AN ADDITIONAL $100! That means you pay ONLY $1525 and save a total of $263!

It's that time of the year – treat yourself to something that will give you a lifetime of knowledge! Elevate your professional career and reach your full potential as a REALTOR®. Give yourself the gift of a GRI!

To enroll or for more details, please call PRI at (888) 785-4800. You may also enroll online.

California GRI classes for the week of Dec. 14

noreply@blogger.com (norbertackerman) — Sat, 12 Dec 2009 03:34:00 +0000

Visalia - Dec 16 (Wed) - GRI #100 Agency Relations...
Visalia - Dec 16 (Wed) - GRI #101 Ethics, Professi...
Thousand Oaks - Dec 17 (Thu) - GRI #102 Trust Fund Manag...
Thousand Oaks - Dec 17 (Thu) - GRI #104 Fair Housing...
Fresno - Dec 17 (Thu) - GRI #111 Investment Prope...
Antioch - Dec 18 (Fri) - GRI #112 Environmental Co...
San Diego - Dec 18 (Fri) - GRI #108 GRI Risk Managem...
San Gabriel - Dec 18 (Fri) - GRI #107 Technology Appli...

More information: All GRI schedules | How to Register | (888) 785-4800

Negative Amortizing Loans Getting a Bad Rap?

noreply@blogger.com (norbertackerman) — Thu, 10 Dec 2009 19:49:00 +0000

by GRI Instructor Dean C. Piller
Teaches GRI Course 109 - Residential Real Estate Finance, West Los Angeles College Instructor, Mortgage Broker
View future classes taught by Dean C. Piller

I have a few neg-am loans in my portfolio and they have performed very well for me. In fact, our current interest rate is in the 3.8% range, so I am not complaining. That is because I know what I am doing and was fully informed about how the Neg-Am loan works. Several borrowers took neg am loans who did not understand, and in several cases, these loans were done on a stated income basis. As a reminder, stated income loans are where the borrower or their lender "Lie" about their income. Lets restate the facts. If a borrower really makes the income, then they should be able to document it.

As we have become accustomed to, here is more evidence of an overreaction by a government bureaucracy.

Comptroller of the Currency John Dugan said regulators worldwide should prohibit lenders from making payment-option adjustable-rate loans and other negative amortizing products. "We should generally prohibit the decreasing of payments through so-called negative amortization loans, which have performed terribly," Mr. Dugan told an international banking conference in Tokyo. The U.S. national bank supervisor urged regulators to adopt minimum standards that require verification of borrowers' income and assets, meaningful down payments and underwriting that takes into account the fully indexed rate. The comptroller noted that real estate markets around the world are heating up due to low rates and they should be careful. "We in America fundamentally lost our way" and the consequences have been "disastrous," Mr. Dugan said. He went further, "It's simply hard to believe how far and how fast originators strayed from basic, fundamental, common-sense principles of sound underwriting. And perhaps it's even more astounding that lenders, investors and yes, regulators, allowed this to happen," he added. In the U.S., few, if any, are still originating these types of loans. Source: National Mortgage News

In summary, it is throwing out the baby with the bathwater. The Neg-Am loan can be a great cash flow tool if used correctly. But big brother does not think any of us are smart enough and they prefer to regulate us to death

Getting the Highest Appraisal Possible – Part I

noreply@blogger.com (norbertackerman) — Tue, 08 Dec 2009 17:00:00 +0000

by GRI Instructor Michael Soon Lee, MBA, CSP, CRS, GRI

Author: "111 Ways to Justify Your Commission" and "Black Belt Negotiating"

Whether you are the listing or selling agent on a property it behooves you to make sure that the lender's appraisal comes in at the highest price that can be legally justified. However, Fannie Mae's new appraisal guidelines that require lenders to select appraisers impartially can result in low property valuations.

There are a number of actions you can take to prevent this problem from occurring. First make sure that the buyer requests an appraiser from the local area. It's not uncommon that one would be selected from several counties away. Next, provide a list of comparable sales that the appraiser may not be aware of. For instance, there may be homes with similar floor plans in a nearby development but because they were constructed by a another builder have a different plan name.

In my next post I'll give you a couple more ways to get the highest appraisal.

What happens if I do not pass a course exam?

noreply@blogger.com (norbertackerman) — Mon, 07 Dec 2009 17:49:00 +0000

Question: What happens if I do not pass a course exam?

Answer: Don’t panic! A failed class does not prevent you from taking your next GRI class. If you do not pass a course exam with a score of 70% or higher, the GRI program offers a one-time re-exam option.

If you fail your exam, you will be notified by the PRI office and will have the following two options: You can choose to retake the exam at your local Association under the supervision of a monitor, or, if you would prefer, you may retake the class, including the exam, at a different location. Whichever you decide, please keep in mind that the retake exam must be successfully completed within one year from the date of the original failed course.

California GRI classes for the week of Dec. 7

noreply@blogger.com (norbertackerman) — Fri, 04 Dec 2009 17:07:00 +0000

Laguna Hills - Dec 8 (Tue) - GRI #112 Environmental Co...
San Luis Obispo - Dec 9 (Wed) - GRI #105 Legal Issues...
Pleasanton - Dec 9 (Wed) - GRI #111 Investment Prope...
Sacramento - Dec 10 (Thu) - GRI #113 Real Property, T...
San Mateo - Dec 10 (Thu) - GRI #108 GRI Risk Managem...
Vista - Dec 10 (Thu) - GRI #102 Trust Fund Manag...
Vista - Dec 10 (Thu) - GRI #104 Fair Housing...
Bakersfield - Dec 11 (Fri) - GRI #112 Environmental Co...

More information: All GRI schedules | How to Register | (888) 785-4800

Homebuyer Credit - Do You Know All the Facts?

noreply@blogger.com (norbertackerman) — Wed, 02 Dec 2009 18:14:00 +0000

The first home-buyer tax credit ended November 30. To the joy of the real estate industry, in early November, President Obama extended the credit. The new law is not exactly the same as the old one. We will look at what changed and what stayed the same.

What Changed?
1. The maximum price of a qualifying home is $800,000. No credit is given for homes costing more.
2. The contract must be in place before May 1, 2010 and the transaction must close by July 1, 2010.
3. Repeat home-buyers now qualify for a 10% credit as well with a maximum credit of $6,500.
4. Income limits have been increased. The income limit has been raised from $75,000 to $125,000 for single taxpayers and $150,000 to $225,000 for married taxpayers.

What Stayed the Same?
1. The taxpayer must use the home as principal residence for the next three years.
2. Must not buy the home from a relative including parents, grandparents, children and grandchildren.
3. First-time still means anyone who has not owned a residence for the previous three years.
4. The tax credit remains at 10% of the purchase price with a maximum of $8,000.

California GRI classes for the week of Nov. 30

noreply@blogger.com (norbertackerman) — Mon, 30 Nov 2009 22:57:00 +0000

Anaheim - Dec 1 (Tue) - GRI # 106 Money Making Stra...
San Jose - Dec 1 (Tue) - GRI #106 Money Making Stra...
Pasadena - Dec 2 (Wed) - GRI #114 Essential Concep...
Corona - Dec 4 (Fri) - GRI #110 Marketing, Finan...

More information: All GRI schedules | How to Register | (888) 785-4800