Possible Relief Ahead for Homeowners and REALTORS

Transcription

JANUARY/FEBRUARY 2009
PRESORTED
STANDARD U.S.
POSTAGE
PAID
LIC NY 11101
PERMIT NO. 808
2008 LIBOR CHAPTER
ACKNOWLEDGEMENTS &
2009 INSTALLATION EVENT
COVERAGE...PAGE 10
CIRCULATION 21,000
The Voice for Real Estate™
OFFICIAL PUBLICATION OF THE LONG ISLAND BOARD OF REALTORS$, INC.
Possible Relief
Ahead for Homeowners
and REALTORS®
This year will surely be remembered as historic with the recent inauguration of President
Barack Obama and for what we hope will be
a banner year legislatively for Long Island,
New York City and the entire state.
President Obama has already promised to
work with Congress to decrease the number
of foreclosures by helping to lower mortgage
payments for responsible homeowners.
Foreclosure prevention and increasing the
number of jobs are critical to housing and
economic recovery. Bringing back buyers to
the market will reduce inventory and stabilize home prices.
Proposed relief programs are already
being discussed at various levels of government. Senator Charles Schumer, a member
of the Senate Finance Committee, is pushing
for federal grants for schools as part of the
economic stimulus package working its way
through Congress. The package may include
$6.4 billion for New York schools to help
financially strapped school districts avoid
increasing property taxes or cutting programs. Schumer said the stimulus package
may also include aid to states, funding for
infrastructure projects and tax cuts of about
$1,000 aimed at middle-class taxpayers. The
package could land on President Barack
Obama’s desk by mid February. In response
to this proposal, Gov. David Paterson said if
the federal money materializes, he might not
have to raise taxes and fees as part of his
$121 billion state budget proposal.
While NAR is pleased that Congress and
the Obama administration are working to
ensure that any additional Troubled Asset
Relief Program initiatives or economic stimulus package include provisions to stimulate
home sales, prevent foreclosures and restore
confidence in the housing market, NAR will
continue its push for a comprehensive housing strategy.
NAR recently expressed support for
Chairman Barney Frank’s, (D-MA) proposal, H.R. 384, the TARP Reform and
Accountability Act. This bill contains key
components of NAR’s Housing Stimulus
Plan, including enacting a mortgage buydown program to reduce interest rates below
prevailing rates, increasing foreclosure prevention and mitigation efforts, and providing
needed liquidity to the residential and commercial mortgage markets to ensure that
financing is available.
Realtors® pledged to work with Congress
and the administration to pass an economic
stimulus plan that is expected to include
many components championed by NAR to
improve housing. NAR is pleased that eliminating the repayment feature of the firsttime home buyer $7,500 tax credit will be
addressed in this proposal. However, we still
are working to have the credit expanded to
all home buyers, and to extend the program
through December 31, 2009. NAR is also
working to ensure that any stimulus legislation reinstates the higher 2008 mortgage
loan limits for FHA, Fannie Mae and
Freddie Mac. These actions will have a
meaningful impact on the housing market
and will help protect home values.
New York City will benefit from $24 million in federal emergency assistance to buy,
renovate and resell 115 foreclosed homes.
The funding was recently announced as
Mayor Michael Bloomberg and Federal
Housing Secretary Steve Preston kicked off
a national campaign urging homeowners at
risk of foreclosure to call for help before losing their homes. The Neighborhood
Stabilization Program will begin renovating
homes in Staten Island, Queens and the
Bronx. Troubled homeowners in need of
assistance should call 311 or 877-HUD1515.
Locally, the Long Island Congressional
delegation is asking for additional funding in
the hopes of increasing the sewer capacity in
our region, which is critical to facilitate more
housing and rental developments with higher density units. Sewage projects, like these,
will afford us additional homeownership and
rental opportunities as well as more jobs.
LIBOR Launches New Member Site — LIRealtor.com
By Tricia Chirco
Marketing & Communication Director
The Long Island Board of REALTORS®,
Inc. has recently launched a new Realtors
Only website — LIRealtor.com. The site
will focus on delivering members a more
user friendly website with timely, valuable
information. Lirealtor.com will be replacing
the REALTORS ONLY website permanently in the beginning of February. Members
that click on the REALTORS ONLY tab
from the Stratus home page or through the
REALTORS ONLY tab on the mlsli.com
homepage, will be automatically sent to the
new lirealtor.com homepage.
The new LIRealtor.com website includes
features such as:
• LIBOR and MLS Top Stories, Updates,
and Alerts
• Daily news feeds from Inman News and
Newsday
• Keyword
Search
Capability to look for
current and archived articles of interest
• An easy to view —
Calendar of Events
• Direct Access to
Stratus
• Online Bill Pay
Button
LIBOR
President,
Buddy Hoosein, said,
“LIBOR’s membership is
over 20,000 Realtors®;
consequently it is necessary for us to keep up
with today’s technology advancements in
terms of the way we communicate. Our new
web site is user-friendly and easy to navigate
and is the primary tool for communication to
all Long Island Realtors®.” Hoosein encourages all LIBOR members to visit the new
member website everyday to stay on top of
industry related issues and events.
www.mlsli.com™
2008 Long
Island Average
Home Prices
Off by 6.4%
By Tricia Chirco
Marketing & Communication Director
In January, the Multiple Listing
Service of Long Island, Inc. (MLSLI)
released the latest 2008 Housing
Figures for Long Island. Year-end figures released by the MLSLI show a
significantly lower price decline year
to date then other areas of the country.
According to MLSLI the 2008 Average
Home Price for Long Island, which
includes Nassau, Suffolk and Queens,
was $482,526. This figure is 6.4 percent lower than 2007 when the
Multiple Listing Service of Long
Island, Inc. reported an average sales
price of $515,539 for Long Island.
Nassau, Suffolk and Queens counties all reported lower prices in 2008
when compared to a year ago. Suffolk
County reported a year ending average
home sale price of $430,241, which is
7.6 percent lower than $465,458 reported for 2007. In Nassau County, the
2008 average sale price for a home
was $573,615, representing a 3.9 percent decrease from 2007. Queens
County experienced the largest decline
in terms of 2008 average home prices
with a reported figure of $437,553,
which is 9.1 percent less than 2007.
December 2008’s residential inventory levels reported on the MLS of
Long Island was at 30,552, which was
virtually unchanged compared to
December 2007’s figure of 30,854, a
positive sign that the market is stabilizing. Joseph Mottola, CEO of
LIBOR/MLSLI says, “A combination of
stable inventory, a more realistic
approach to asking prices and readily
available financing at very favorable
rates, bode well for Long Island to
return to normal market conditions.‰
Looking at the national picture,
Lawrence Yun, NAR chief economist,
said he expected a decline in year-end
housing figures as consumer confidence has been considerably weakened by mounting job losses and weak
(Continued on page 4)
THE REALTOR®
●
January/February 2009
●
2
New Listing Agreements Now Available
www.mlsli.com™
IN THE NEWS
RELIEF AHEAD FOR
HOMEOWNERS AND
REALTORS
With the recent inauguration of
President Obama, hope is high for a
banner year legislatively for Long
Island and the state. . . . . . . . . . P1
2008 HOME PRICES OFF
BY 6.4%
Year-end figures released by the
MLSLI show a significantly lower
price decline year to date than other
areas of the country . . . . . . . . . P1
LIBOR LAUNCHES
NEW MEMBER SITE
LIBOR launches a new Realtors
Only website – LIRealtor.com, which
focuses on delivering members a
more user friendly website with timely, valuable information . . . . . . . . P1
NEW LISTING
AGREEMENTS NOW
AVAILABLE
There are now three versions of the
Listing Agreements available for
residential and condo-coops . . P2
NAR LAUNCHES NATIONAL
PUBLIC CAMPAIGN . . . . . P2
LIBOR CHAPTER
ACKNOWLEDGEMENTS
& INSTALLATION
PHOTOS . . . . . . . . . . . . . . . P10
President’s Message —
LIBOR Agenda for 2009 . . . . . P3
From Where I Sit . . . . . . . . . . . P4
WCR Update. . . . . . . . . . . . . . P6
OUTREACH Projects — “We’re
More Than REALTORS®” . . . . P6
Chapter & Division Report . . . . P7
MLS News — Making the Right
Decision to Adopt Change . . . . P8
Technology— Revolutionize Your
Business . . . . . . . . . . . . . . . . . P9
This & That . . . . . . . . . . . . . . P12
RPAC. . . . . . . . . . . . . . . . . . P14
Commission Escrow Act Training
Programs Now Available . . . . P15
Ethics This Month . . . . . . . . . P15
Education Opportunities . . P16-17
Professional Services
Directory. . . . . . . . . . . . . . . . P18
The new listing agreements have arrived
and are available at each of the Service
Centers. The Supply Order Form has also
been revised for your convenience when
placing your order.
There are now three versions of the
Listing Agreements* (page 2) available for
residential and condo-coops for the Broker
to choose from. They are as follows:
1) (LI-C) The existing listing agreement
dated 3/2007 has not changed and is still
available for your use.
2) (LI-CEA) This new listing agreement incorporates the language necessary
to comply with the new Commission
Escrow Act (CEA). Paragraph 16 —
ARBITRATION and Paragraph 17 —
ESCROW AND RECOVERY OF FEES
contained in the (LI-C) listing agreement
is NOT included in this new listing agreement. Paragraph 16 has been changed to
include the mandatory disclosure language that is required under the new
Commission Escrow Act.
This form includes the mandatory disclosure language required by the Commission
Escrow Act. If you want to take advantage
of the benefits of the Act the first step is to
have a listing agreement that contains this
mandatory language. However, there are
many other steps you must follow to fully
comply with the Act. Following are some
of those steps:
1) The listing agreement must clearly
state the address at which the owner resides.
2) Once the broker has earned their commission by procuring a buyer, and there is a
signed contract, the broker must file an
Affidavit of Entitlement with the County
Clerk’s office where the real property is
located. The Affidavit must be filed after
the contract is signed and before the closing. Within 5 business days (excluding
Saturday, Sunday, and public holidays) of
filing the Affidavit of Entitlement, the broker must serve a copy of that document on
the owner. The Affidavit of Entitlement can
be found on “Documents on Demand” section of mlsli.com, form #222 or 223.
3. (LI-CEA-ARB) This listing agreement is the same as (LI-CEA) above,
except that the ARBITRATION paragraph
that is included in the (LI-C) has been
added to this listing agreement so that you
have the option of arbitration in the event
the Broker waives his/her rights under the
CEA for any reason. The steps outlined in
the Q&A referred to above must still be followed to take advantage of the Commission
Escrow Act.
GO TO MLSLI.COM AND CLICK IN
THE LARGE BOX IN THE MIDDLE OF
THE HOME PAGE FOR A COMPREHENSIVE Q&A REGARDING THE
COMMISSION ESCROW ACT. THERE
YOU WILL FIND ALL THE NECESSARY STEPS THAT YOU MUST DO TO
COMPLY WITH THE ACT.
Copies of all three Agreements may be
found on “Documents on Demand” section
of mlsli.com under MLS forms.
*The Property Data Section (page 1) has
not changed.
LETTER FROM THE EDITOR
By Tricia Chirco
With this New Year comes
change. The good news is that
change brings opportunity and
makes us think about the way
we can get things done. The
reality in the world of communication is that now people
enjoy checking their news
online about as often as those
people who prefer to read a
printed paper copy. Being sensitive to
change, and both these populations, we
will begin publishing “The REALTOR®”
paper in print six (6) times a year and will
publish a new online paper four (4) times
a year. The first issue of the online version
of “The REALTOR®” paper will be published in late February and will mirror the
print edition in terms of content. The
online version will contain all of the same
features and contributors articles you are
currently enjoying in the print version.
The online REALTOR® will also contain
advertising opportunities. Watch for
updates on the launch of this exciting new
communication vehicle in your email and
on lirealtor.com in the coming weeks.
Like many of you — we are faced with
the challenge to do more with less in 2009.
As a result, we will be making minor
changes to the format of the paper that will
allow us to publish the printed REALTOR®
more
cost
effectively.
Unfortunately, the ad sales revenue that
has supported the paper for several years
now has drastically been reduced as a
result of the economic downturn. By
implementing the following subtle
changes to the paper, we can minimize the
effects of the lost revenue without compromising the quality of
the paper: we have reduced the
size of the paper to twenty (20)
pages, we have added a new
affordable advertising venue —
the
Professional
Service
Directory at the back of the
paper, and we will be running
more black and white pages in
each issue and somewhat less color.
Having to do more with less has also
prompted a change in the ad sales department. All ad sales and creative functions
will now be handled in-house at the
Board. Donnalee Wimmers will be
responsible for sales and service to all current and future advertisers. Donnalee is
reachable at 631-661-4800 Ext. 348 and if
anyone needs information on placing an
ad in the paper, or needs help with creating
an ad to be placed, don’t hesitate to contact her. Taking the advertising function
in-house has also allowed us to pass on
considerable savings to our advertisers
this year. Print ad prices have been
reduced by as much as 20 percent this
year, making it more affordable for you to
get noticed by our thousands of readers.
I am looking forward to an exciting
year of communication. With the launch
of the new Realtor website lirealtor.com
and the new online REALTOR®
“paper”, we are able to deliver important
industry news and updates to you more
effectively and efficiently. Thank you for
your continued interest in “THE REALTOR®” paper and I wish you all a very
healthy and prosperous new year.
NAR Launches National
Public Relations
Campaign Targeting
The National Association launched this
year’s $25 Million Dollar public relations
campaign on January 12, 2009. NAR
established the Public Awareness
Campaign over ten years ago to convince
home buyers, sellers and investors about
the value of working with a REALTOR®.
Last year, the campaign expanded its messages to educate consumers about the benefits of homeownership and buying opportunities in a changing real estate market.
The 2009 Public Awareness Campaign
commercials focus on motivating buyers
into the market. New TV ads, in tandem
with new radio spots and print materials,
explain the buyer opportunities available in
many of today’s real estate markets, convey
the financial and social benefits of owning a
home, and continue to emphasize the
importance of working with a REALTOR®.
Newsday has continued to
support the NAR PR Campaign,
through its relationship with
Long Island Board of REALTORS, and have been placing
free ads weekly since last Spring
in the Sunday Life Section of the
paper to support the ads message. The ads were created especially for LIBOR and the Board
is noted on the bottom of each
copy.
Ads are placed by
Newsday wherever space allows
and is used as regional filler.
For more information and to
download any of the PR materials, Realtors® can visit realtor.org and visit the Public
Relations Campaign section. Also available
on the website is a complete media schedule
8 OUT OF 10 ECONOMISTS BELIEVE HOME PRICES
WILL RISE IN THE NEXT 5 YEARS.*
THE OTHER TWO ARE LIFE-LONG PESSIMISTS.
If you’re ready to buy a home, many signs point to favorable buying conditions: mortgages are available, affordability has
improved, home choices are abundant and interest rates are low. Even better, 8 out of 10 economists agree that home prices will rise
in the next five years. Which means getting in on the ground floor before prices begin to rise is a smart move.
Homeownership is an investment in your future. Work with a REALTOR® who can explain options that best fit your situation.
To learn more, visit HousingMarketFacts.com.
* Figure based on the Keller Center for Research at Baylor University, 2008.
EVERY MARKET’S DIFFERENT, CALL A REALTOR ® TODAY.
Sample of NAR 2009 Print Ads
©2009 National Association of REALTORS®.
of when and where the TV and radio ads
will be running throughout the year.
3
2009 OFFICERS
PRESIDENT
Buddy Hoosein
Kathy Engel
VICE PRESIDENT-NASSAU
VICE PRESIDENT-SUFFOLK
The REALTOR® is published by the Long
Island Board of REALTORS®, located at 300
Sunrise Highway, West Babylon, NY 11704,
and is published bi-monthly, January/February,
March/April, May/June, July/August,
September/October and November/December.
Application to mail at periodicals postage rate
is pending at Babylon, New York.
Donald Scanlon
Mary Alice Ruppert
VICE PRESIDENT-QUEENS Moses Seuram
TREASURER
Liz English
SECRETARY
Bettie Meinel
CHIEF EXECUTIVE OFFICER
PUBLISHER
EDITOR
Joseph E. Mottola
POSTMASTER:
Please send address changes to:
The REALTOR®
300 Sunrise Highway
West Babylon, NY 11704
Joseph E. Mottola
Patricia Chirco
EDITOR’S ASSISTANT
Christina DeFalco
The REALTOR® and its publisher, The Long
Island Board of REALTORS®, in accepting
advertisement in this publication, make no
independent investigation concerning the services or products advertised, and they neither
endorse nor recommend the same nor do they
assume any liability thereof.
PRODUCTION & PRINTING
DSI Design Group
252 Sea Cliff Avenue, Sea Cliff, NY 11579
516-676-6089 • Fax 516-676-4769
Christopher Meadows, President
ADVERTISING SALES
REALTOR® is a federally
registered collective membership
mark which identifies a real
estate professional who is a
Member of the NATIONAL
ASSOCIATION OF REALTORS®
and subscribes to its strict code of ethics.
Donna Lee Wimmers • 631-661-4800 Ext. 348
CONTRIBUTORS
Buddy Hoosein, President, LIBOR
Howard Goldson, Esq., Goldson, Nolan, Connolly,
Nasis & Dornfeld, P.C.
Frank Urso, President, MLS
Randy L. Kaplan, Director Government Affairs
Pat Levitt, RPAC Co-Chairperson
LONG ISLAND BOARD OF REALTORS®, INC.
300 Sunrise Highway
West Babylon, NY 11704
(631) 661-4800 • (718) 739-8700
Website: www.mlsli.com™
Email: [email protected]™
Charlotte Van der Waag, WCR President
Linda Bonarelli, Professional Standards Committee
Dana Nowick, Product & Services
INSURANCEPlus
H
E A LT H
I
N S U R A N C E
for Small Business & the Self-Employed
1. A youth academy to transition our way I make people feel.
youths unto leadership roles, as I have
Now more than ever, we must sustain
discovered the more you serve this Board, LIBOR’s strong financial position to
the more you’ll want to serve.
ensure that it is well positioned to serve our
2. The Green Committee to bring aware- members in the future even better than we
ness to the members and conhave in the past.
sumers the plight of planet
As a Broker for 24 years and
earth and make a difference.
a Board Officer for the past
“Let’s enter
3. We will continue to
four years, I understand the
this new year
embrace
with
passion
financial impact of the deciwith
Realtors Against Hunger and
sion we must make and
aspirations
and
lead by example that “We’re
proud to have participated in
hope.”
More Than Realtors.”
the actions that have given us
4. Education Designation
the sound financial basis we
to empower our members,
have built.
thus enabling them to survive in these
I believe that our challenges and our
present market conditions.
opportunities have never been greater. I
It is with utmost pride, yet with great promise to continue, as President, the
humility, that I assume the Presidency of progress we have made in building a legacy
this prestigious organization. It is a great of financial soundness and prudence that
honor and distinct privilege to serve as will allow us to continue the programs and
your President for 2009.
services that deliver value to our members,
Indeed, you have bestowed upon me a and that which distinguishes us from others.
distinct honor and confidence, which will
I hope you will join me in working to
forever be etched in the mirror of my soul. help LIBOR meet these important goals
Together, we have crossed the thresh- and I look forward to serving you as
old, and overcome boundaries. You have President in 2009, because we must meet
chosen me, to borrow a phrase from our new challenges and find common soluAmerican icon, the Rev. Martin Luther tions together.
King Jr. “Not because of the color of my
Who we are today is the cumulative
skin but by the content of my character.” effect of all that we’ve done in the past. If
I will never forget your kind considera- we are not who we thought we’d be or
tion because you have sent the message where we hoped to be, then we should do
that the attainment of the American something about it. 2008 presented its
Dream is alive in LIBOR, not only in the share of challenges. There was the loss of
way we provide real estate services to all, loved ones, lost opportunities and in some
regardless of class, creed or color but by cases hope. But along came 2009 with a
the way we elect our leaders.
welcomed freshness.
On November 20, 2008 we gathered to
Let’s enter this new year with renewed
break bread and celebrate our success, aspirations and hope. Pursue the greatinstall our new leadership and learn from ness that comes from helping others solve
our failures and hope that the future will their problems so that you may eventualbe brighter an better today than yesterday. ly solve yours. Enjoy each day to the
I promise to bring the leadership and fullest and embrace life.
passion needed to serve members of this
Have a healthy and successful 2009!
Board in these trying times, fully aware
that I will not be remembered for the
things I do or the things I say, but for the
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THE REALTOR®
PRESIDENT-ELECT
Agenda for 2009
●
The Long Island Board of
REALTORS® is a non-profit
organization formed for
REALTORS® for the betterment
of their communities, their
profession, and their livelihood.
LONG ISLAND BOARD OF
REALTORS®, INC.
By Buddy Hoosein, LIBOR President
LONG ISLAND BOARD OF
REALTORS®, INC.
PRESIDENT’S MESSAGE
●
Official Publication Of The
4
●
THE LONG ISLAND BOARD OF REALTORS, INC.
FROM WHERE I SIT
By Joseph E. Mottola, Chief Executive Officer
THE REALTOR®
EXECUTIVE PLANNER
FEBRUARY 2009
●
LIBOR NEWS
2/11— Wednesday
NASSAU NORTH SHORE CHAPTER
The Board, with its newly elected offi- philosophy is that Realtors who are actualcers and Directors has just began its work ly doing the business should have a more
in a challenging time and market for our significant role than those who aren’t. Very
industry. It’s a good idea for an organiza- sensitive issue as you might imagine.
The number of Directors is always an
tion to periodically examine itself with
area of discussion. Long
respect to its Governance. By
Island has always had the
Governance, I mean the struc“Looking at
largest Board of Directors in
ture of its Board of Directors,
Governance is not the country. Would a smaller
Executive Committee and in
a simple task.”
Board be more responsive?
general how the Board is
Certainly Boards of Directors
made up.
Presently the Directors are made up of elsewhere function well with significantthe Officers, eight directors at large from ly less Directors. On the other hand, does
each County, two directors from each a larger Board of Directors insure better
Chapter, Past LIBOR Presidents and a representation? It should if it’s structured
Realtor representative from each of the right.
Perhaps “At large” Directors from each
Divisions. This would include Women’s
Council, Appraisal, LI Commercial country should be changed to representation by number of Chapter members. This
Network, LI Credit Union and MLSLI.
Four years ago, A Task Force reviewed way you could guarantee better geographour structure and made some changes ic representation. Injecting “new blood” is
including a second representative from always brought up but to do that you might
each Chapter, automatically seating Past have to assure there’s openings. That leads
Presidents willing to serve and revised to discussion about “term limits” which
attendance requirements. Recent discus- leads to discussions about moving people
sions about some of these issues have out who may have significant and valuable
convinced us that it’s time to undertake experience that you wouldn’t want to lose.
Moving forward, I would hope that we
the process again.
Looking at Governance is not a simple could reexamine many of these things. We
task. Many Boards have moved toward want to insure that the LI Board has a govgiving automatic seats to representatives erning structure that best serves the interfrom the largest firms or seats based upon ests of a membership which is diverse not
the amount of business a firm does. Across only geographically and culturally but in
the country we are seeing more of this. The business operating philosophies as well.
LIBOR Leadership Attends Dr. Martin
Luther King, Jr. Celebration
8:30am — Networking Breakfast. Milleridge
Inn, 585 North Broadway, Jericho. Guest
speaker: Don Scanlon, LIBOR
Instructor/VP-Nassau County, “The State of
LI Real Estate & What You Can Do...How It
Affects Us”‰ Cost: $25.00 per person.
RSVP: Julie Blaker @ 516-677-0030.
2/11– Wednesday
MLS EXECUTIVE COMMITTEE
9:00am — REALTOR BUILDING, West
Babylon — 2nd floor Conference Room. Staff
liaison: Lisa Gonzalez @ LIBOR ext. 350.
2/12 — Thursday
LIBOR EXECUTIVE COMMITTEE
9:00am — REALTOR BUILDING, West
Babylon — 2nd floor Conference Room. Staff
liaison: Lisa Gonzalez @ LIBOR ext. 350.
2/12— Thursday
LIBOR/MLS ORIENTATION
8:30am — REALTOR SERVICE CENTER,
West Babylon— Classroom B. Staff liaison: Debbie Franco @ LIBOR ext. 364.
2/16/09 — Monday
PRESIDENTS’ DAY OBSERVED —
ALL BOARD OFFICES CLOSED
2/18 — Wednesday
MLS BOARD OF DIRECTORS
West Babylon— Classroom B. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350.
2/19 — Thursday
LEGISLATIVE COMMITTEE
West Babylon— Classroom B. Staff liaison: Maryann Horan @ LIBOR ext. 354.
2/20 — Friday
WESTERN QUEENS CHAPTER
9:00AM — Networking Breakfast Program.
Details to follow.. For more information,
call Joseph Abramaitis @ 718-779-1111.
2/24 — Tuesday
CREDIT UNION BOARD OF DIRECTORS
West Babylon— Upper Classroom. Staff
liaison: Luisa Harman @ LIBOR ext. 371.
2/24 — Tuesday
LONG ISLAND COMMERCIAL NETWORK
8:00AM — Networking Breakfast &
Marketing Session — On Parade Diner,
The Dr. Martin Luther King, Jr. Birthday Celebration Committee of Nassau County
Inc. held its 24th Annual Dr. Martin Luther King Jr.'s Birthday Celebration on
January 19th at the Marriott Hotel in Uniondale. This celebration is held to honor
Dr. King's dreams; that people live in peace and love with the opportunity to pursue
a decent and fruitful life. Pictured at the luncheon are (l-r) Gail Bishop, Chair of
LIBOR’s Fair Housing & Cultural Diversity Committee; Marian Fraker-Gutin, Chair
of LIBOR’s Legislative Committee; Nassau County Executive Tom Suozzi; Kathy
Engel, LIBOR President-Elect and Buddy Hoosein, LIBOR President.
2008 Long Island Average Home
Prices Off by 6.4%
consumer confidence that has deterred
home buyers from making their purchase.
He believes a real estate-focused stimulus
plan is urgently needed to help turn things
around. Yun said, “The outlook for 2009
will depend heavily on the stimulus package. With a proper real-estate focused
stimulus measure, home sales could rise
(Continued from page 1)
more than expected, by more than 10 percent to 5.5 million in 2009, and easily
begin to stabilize home prices in many
parts of the country. Stable home prices
will, in turn, lessen foreclosure pressures
and lay the foundations for a solid economic recovery as the nation’s 75 million
homeowners regain confidence.‰
APPRAISAL DIVISION
www.liborappraisals.com
CENTRAL NASSAU CHAPTER
http://centralnassau.lirealtor.com/
EASTERN SUFFOLK CHAPTER
http://easternsuffolk.lirealtor.com/
HUNTINGTON TOWNSHIP CHAPTER
http://huntingtontownship.lirealtor.com/
JAMAICA CENTRAL QUEENS CHAPTER
http://jamaicacentralqueens.lirealtor.com/
LONG ISLAND COMMERCIAL NETWORK
http://licn.lirealtor.com/
NASSAU NORTH SHORE CHAPTER
http://nassaunorthshore.lirealtor.com/
NASSAU SOUTHSHORE CHAPTER
http://nassausouthshore.lirealtor.com/
NORTHEAST QUEENS CHAPTER
http://northeastqueens.lirealtor.com/
SUFFOLK NORTH SHORE CHAPTER
http://suffolknorthshore.lirealtor.com/
SUFFOLK SOUTH SHORE CHAPTER
http://suffolksouthshore.lirealtor.com/
WESTERN QUEENS CHAPTER
http://westernqueens.lirealtor.com/
WOMEN’S COUNCIL OF REALTORS
http://wcr.lirealtor.com/
7980 Jericho Tpke., Woodbury. Don’t forget to bring plenty of business cards, your
property data sheets, your ‘haves & wants’
& an associate to expand your network!!
Cost: $15.00 Sponsors & LICN Members,
$20.00 Affiliates, $30.00 Guests & Nonmembers. For more information, call
Gabor Karsai @ 516-359-8028.
2/25 — Wednesday
LIBOR BOARD OF DIRECTORS
West Babylon— Classroom B. Staff liaison: Lisa Gonzalez @ LIBOR ext. 350.
2/27 — Friday
PROFESSIONAL STANDARDS
COMMITTEE
West Babylon— Classroom B. Staff liaison: Judy Becker @ LIBOR ext. 388.
MARCH 2009
3/4 — Wednesday
WOMEN’S COUNCIL OF REALTORS
9:00AM — Joint Networking Meeting with
HUNTINGTON TOWNSHIP CHAPTER..
Details to follow.. For more information,
call Charlotte Vanderwaag @ 516-248-9494.
Visit our website: http://wcr.lirealtor.com/
3/6 — Friday
NORTHEAST QUEENS CHAPTER
9:00AM — Networking Breakfast Program.
Details to follow... For more information,
call Eddie Saeed @ 718-670-0923.
MEETINGS & EVENTS: For all Special Events & Chapter information, call CONNIE AIELLO, LIBOR
CHAPTER LIAISON @ 631-661-4800 ext. 361. All Chapter Meetings & Events are posted online on each
chapter website. Go to www.libor.com/chaptermeetings.cfm. Chapter/Division meetings available on
STRATUS — click on MLS/LIBOR EVENTS CALENDAR on the INFO CENTER PAGE.
LIBOR MEMBERS ONLY MAY REGISTER & PREPAY ON-LINE LIBOR members only may register &
prepay ON-LINE for chapter/division meetings & events! Go to: www.mlsli.com/chapterreg/meetings.asp.
VISA, MASTERCARD, AMEX & DISCOVER accepted.
NOTE: On-line registration CLOSED at 4:00PM on the previous business day before this event.
Sign Codes Now Available Online at
LIREALTOR.com
Please note that Town Codes for “signs”
in Nassau, Suffolk and Queens will be posted shortly on LIREALTOR.COM. This
information is located directly below the
“Rental Permit” section of Town
Codes.
Here
is
the
address:
http://www.lirealtor.com/ro/legislative/loca
l_town_codes.cfm.
The information posted includes the sign
ordinance regulations on directional signs,
for sale signs, for rent signs, etc. and in
some cases — the amount of the fine if you
do not comply with the laws.
Some towns are stricter than others in the
enforcement of their sign laws. Fines vary
and are up to a judge in that particular Town
or Village.
For further information please contact
Philip Weiden, LIBOR’s Legislative
Liaison. [email protected]
5
●
●
MAKE THIS YEAR THE BEST
YEAR YOU EVER HAD!
Keep 100% of Your Commission
We Offer a Great Broker/Sales Agent Program
Pay only $39.00 a month and only a $330.00
Administrative Transaction Fee after each closing.*
“NO ADDITIONAL COSTS”
We welcome experienced,
high performance agents
and new agents.
• Members of LIBOR (MLS)
• Free telephone and computer usage
• Free E&O insurance
• Courteous secretarial staff
• Co-op Advertising
• YOU WILL GET MORE LISTINGS
• Always keep your listings
• Broker and staff do not compete
• Work your own hours, in any town
• Training sessions
* $330 on the Buy and Sell
NONE!!
Some of the Agents
Who Have Joined Us!
LISA
LEPORIN
(formerly of
Century 21 North End)
(formerly of
Remax Unlimited)
WALTER
SIEFERT
HEIDI
LIPPACHER
(631) 774-8143
(631) 241-9604
(917) 833-8661
(516) 662-8790
VINCENT
MARTINELLI
(formerly of
Regent Realty)
(formerly of
Realtor.com)
We Get 100% of Our Commission
24-hour hotline at 866 -200 -6204 or go to www.100percentcommission.com or call our office 516 -575-7500
Long Island/Queens • Manhattan • Ft. Lauderdale • Clearwater • Orlando • Chicago
THE REALTOR®
Joe Moshé
“2009”
6
●
●
THE REALTOR®
LIBOR NEWS
THE LONG ISLAND BOARD OF REALTORS, INC.
OUT EACH
“We’re More Than REALTORS®...”
Long Island Chapter
WCR-NewYorkState.com
By Charlotte Van der Waag, WCR President
Are You Ready?
MISSION: We are a network of
successful REALTORS empowering
women to exercise their potential as
entrepreneurs and industry leaders.
I am proud and honored to serve as the
2009 President of the Women’s Council
of REALTORS®. We are part of a
National Organization, and the 12th
largest women’s organization in the
country. We are fortunate to be a chapter
and have the support of the Long Island
Board of Realtors.
Our first meeting on January 30th at
the North Shore Towers will feature
Joseph Mottola, CEO of LIBOR/MLS,
who will present Industry Issues, Trends
and Challenges. These are certainly
timely topics and should be of help as we
facilitate the moves of our customers and
client and educate them as to the opportunities available to them. In addition
there will be a panel of power agents
spanning all three counties sharing their
secrets to success in this market.
Are you ready to tap into training,
news and information that will keep you
on top of a profession that’s changing
every day? Are you ready to join the top
individuals in the profession for networking opportunities you can use to
take your business higher than ever
before? Are you ready to become a
member of the Women’s Council of
REALTORS®? Now more than ever,
membership in the Women’s Council of
REALTORS® is the way to stay in front
of a fast-changing market, increasingly
savvy customers and tough competition.
My vision for the year as President is to
bring value to the membership with programs that speak to the current marketplace. We will be reaching out to all
REALTORS® in all three counties to
develop a team spirit and participation
within the membership so we can continue making our mission more of a reality.
Lofty goals but definitely achievable when
we join together and work side by side.
We accomplish our mission through a
series of nine quality programs and networking meetings. When evaluating the
current economic challenges, it was
decided to combine four meeting this
year with other chapters. By doing so it
decreases the REALTORS® costs, still
allows us to present outstanding educational meetings and increase the number
of people attending each program. In
addition there will be two free members
only meetings..
So if “You Are Ready” to plug into the
power of your profession through networking and education we’d like to see
you at the meetings scheduled for 2009.
Please visit www.libor.com/wcr. for the
full calendar of this years events.
The “We’re More Than Realtors...”
(WMTR) public relations campaign
began in 2006 and was created by the
Long Island Board of REALTORS®,
Inc. (LIBOR) Public Relations committee. The goal of the campaign is to create
a more positive image of Realtors® by
raising the public’s awareness about
what Realtors® are doing in their community, in addition to helping them buy
and sell homes. The 2009 LIBOR Public
Relations Committee has their first
meeting scheduled for January 29, 2009;
look in the next issue for an overview of
the year’s campaign. Here’s how the
2008 committee wrapped up the year.
2008 Suffolk County Realtor® Spirit
Award Recipient Matthew Arnold chose
to donate his $1,000 check to the Hospice
Care Network’s Children’s and Family
Bereavement Programs and Services.
Pictured with Matthew (center) are Chris
Court, Hospice CSN Special Events
Coordinator, and Mary Gravina, HCN
Vice President of Counseling Services.
The Hospice Care network provides a
caring and safe environment staffed by
compassionate professionals and volunteers to help children through their period
of bereavement.
The beautiful sounds of barbershop
harmonies filled the air when LIBOR
sponsored a very special afternoon of
music for the Huntington Senior Center
featuring the popular Sweet Adelines.
The program featured many selections of
traditional holiday songs and tunes
familiar to the Senior Center’s enthusiastic audience. The Sweet Adelines are a
highly respected worldwide organization
of women singers committed to advancing the musical art form of barbershop
harmony through education and performance. are members of the Sweet
Adelines with Realtors® (l-r) Cheryl
Grossman, Pat Naples and Mary Fudens.
LIBOR 2008 Chairperson Joe Sinnona
presented a check to Maria Raffa Brown,
Executive Director of Project Challenge
of Long Beach; a community-based
youth and family program that seeks to
provide a safe haven for all. Their mission is to keep youngsters off the streets
and away from difficult situations including drugs, alcohol, tobacco and gangs, by
offering participants constructive activities that promote self-expression, foster
community loyalty, and encourage individual and team level achievement.
2009 WCR OFFICERS
President:
Charlotte Van der Waag
President-Elect:
Katy Anastasio
VP Membership:
Whitney LaCosta
Secretary:
Christine Jasinski
Treasurer:
Pat Erker
Overview of Governor Paterson’s
2009-2010 Budget Proposal
Gov. David Paterson has proposed his
executive budget plan, which seeks to close
a $15.4 billion two-year budget gap. In
total, the budget spends $121 billion, a 1percent increase over last year’s enacted
state budget. It is important to note that the
executive budget does not contain any proposal to increase the state’s transfer or
mortgage recording tax. Below is a summary of some of the key real estate-related
proposals put forth in the executive budget.
As part of the plan to reduce spending in
this year’s budget, Paterson proposed to
eliminate the middle-class STAR rebate
program. The elimination of the STAR
rebate is only one piece of the larger STAR
program, which will remain largely
unchanged. In addition, the governor proposed to reduce the personal income tax
credit for New York City taxpayers.
The governor’s proposed budget would
increase the state licensing examination fee
for 16 disciplined professions licensed by
the Department of State - including real
estate salespersons, which has not been
increased since 1989. Under the governor’s plan, the cost to take the salesperson
exam would increase to $75 and the broker
exam would increase to $125. The current
fee to take either of these exams is $15.
Although the budget plan does not
include any broad-based tax increases, it
does include new fees and hikes in current
fines and fees, including an increase in the
filing fee for a real property transfer report
at the county clerk for residential and commercial property. The proposed budget
would increase the filing fee for residential
property from $75 to $125 and commercial
property from $165 to $250. The fee for
non-deeded transfers (cooperative housing)
in New York City would also increase from
$50 to $100.
As budget negotiations begin to take
shape at the Capitol, updates will be communicated.
WELCOME
NEW LIBOR AND MLS MEMBERS
William J. Kelly
Allison James Estates & Homes
Eleni Moustakis
Eleni Moustakis, REALTOR
Pillar P. Kim
NY Vest Realty Inc.
Abraham M. Myles
Myles Realty
Steven LoVerde
Steven LoVerde, REALTOR
Anthony P. Saravo
Citiwide Real Estate & Mgmt Co.
Charles Manger
Brown Harris Stevens W Hampton
Shane Scott
1st Decision Realty Inc.
7
●
LIBOR NEWS
CHAPTER & DIVISION
EVENT COVERAGE
call Joseph Abramaitis at 718-779-1111.
The LONG ISLAND COMMERCIAL
NETWORK is having a networking breakfast and marketing session on Tuesday,
February 24th at 8:00am at the On Parade
Diner in Woodbury. Don’t forget to bring
plenty of business cards, your property data
sheets, your ‘haves and wants’ and an associate to expand your network!! The cost is
$15.00 for sponsors and LICN Members,
$20.00 for affiliates, $30.00 for guests and
non-members. For more information, call
Gabor Karsai at 516-359-8028.
The WOMEN’S COUNCIL OF
REALTORS and the HUNTINGTON
TOWNSHIP CHAPTER is having a joint
networking breakfast meeting on
Wednesday, March 4th at 9:00am. Details
to follow. For more information, call
Charlotte Van der Waag at 516-248-9494.
The NORTHEAST QUEENS CHAPTER is having a networking breakfast program on Friday, March 6th at 9:00am.
Guest speaker: Kathy Tsao, President of the
Chinese American Real Estate Assocation.
Details to follow. For more information,
call Eddie Saeed at 718-670-0923.
FOR COMPLETE INFORMATION ON ALL MEETINGS, VISIT THE
EXECUTIVE PLANNER ON PAGE 4.
And The Winners Are…
This year was a banner year in terms of
the number of members that paid their
annual LIBOR dues bill online. One of the
reasons for the tremendous results achieved
this year in terms of getting members to pay
online versus more traditional methods, was
the PAY YOUR BILL ONLINE Contest
that was launched and promoted in
November and December. The contest provided the incentive in terms of cash prizes,
to those members that paid their LIBOR
dues bill online before the first of the new
year. Congratulations to the following
LIBOR members that were randomly chosen as the winners of this year’s contest:
Anna Naccarato from 101 Atlantic
Realty in Lynbrook was our GRAND
PRIZE WINNER. She won $1,000.00.
Susan Lo from Accents On Real Estate
in Port Washington was our 2ND
PRIZE WINNER. She won $500.00.
Nicolas Toscano from C21 Cambridge
in Lake Grove was our 3RD PRIZE
WINNER. He won $250.00.
SAVE MONEY…
SAVE TIME…
AND SAVE THE ENVIRONMENT...
GO PAPERLESS!
Sign up to get your MLS monthly statements on-line and you will receive
monthly e-mails notifying you when your statement is ready to view.
WITH PAPERLESS STATEMENTS YOU CAN:
Stay on top of your statements.
Enjoy secure access using your Logon Id and Password.
View or pay your statement anywhere, anytime you want and you
can cancel anytime.
··
·
It’s easy, hassle-free, accessible and safe.
Sign up today by completing the form on Documents on Demand at
631–661-9126 #458 and mail it back with your next payment, or fax it
to 631-661-8136 Attn: MLS Billing. Your paperless statement will
start the following month.
THE REALTOR®
It’s the New Year, which means new
resolutions and new opportunities to get
motivated and grow your business. A
great way to do that is by getting
involved. By participating in your
Chapters and Divisions, you will have the
occasion to network with your peers,
expand upon your business skills and support your community and local charities.
The possibilities of what you will acquire
are endless, don’t miss out! Here are
some informative and exciting meetings
that are planned for the month ahead.
The NASSAU NORTH SHORE
CHAPTER is having a networking
breakfast on Wednesday, February 11th
at 8:30am at the Milleridge Inn. Guest
speaker: Don Scanlon, LIBOR
Instructor/VP-Nassau County. Topic:
“The State of LI Real Estate & What You
Can Do ...How It Affects Us.” The cost
is $25.00 per person. Please RSVP to
Julia Blaker at 516-677-0030.
The WESTERN QUEENS CHAPTER
is having a networking breakfast program
on Friday, February 20th at 9:00am.
Details to follow. For more information,
●
By Christina DeFalco
Public Relations & Communications Specialist
FORECLOSURE UPDATE
The most complete listing of Real Estate Foreclosure notices available for the five
boroughs of New York, Westchester, Nassau, and Suffolk counties. Delivered
weekly reformatted with additional features not included in the notice.
BUILDING NOTICES • TELEPHONE NUMBERS
• CROSS-REFERENCED BY DATE
Over 200 Notices weekly — commercial, residential, condos and coops. Take advantage of the market. $345/year 5 boro’s, $210/6 months, or $125/12 weeks, 5 boro’s
co-op’s $175/year, Westchester $185/year, Nassau $200/year, Suffolk $210/year.
SUBSCRIBE NOW OR ORDER YOUR
FREE COPY WITHOUT OBLIGATION
Amex, MC, Visa, and Discover Accepted
Please make check payable to and mail to:
FORECLOSURE UPDATE INC.
P.O. Box 220032, Great Neck, NY 11022-0032 or call (516) 487-6491
www.newyorkforeclosures.com
Chiropractic Offices Of Queens
Dr. Michael W. Tafreshi, Chiropractor
(718) 386-7000
Occupational Warning Signs
Attention All Realtors: Brokers & Agents
Don’t Ignore Your Signs and Symptoms On
Neck, Back, Radiating Arm & Leg Pains
We Know & Understand Your Work Habits
The Sale Agent:
Driving, Getting In & Out Of Your Vehicles, Lifting, Getting
Signs In & Out Of Your Vehicles, Prolong Walking, Standing &
Sitting Hour after Hour, Restless Nights, Poor Sleeping Habits
The Broker:
Computer Habits of Neck Flexed and Shoulder Drop
Telephone Habits of Head Tilt & Sitting Hour after Hour
Twenty Four Hours Seven Days A Week
Remember: Winter Hazards Of Slips and Falls On Ice
(The Walkway and Driveway Hazards)
Prolong Bending While Shoveling
Car Accidents
We Offer:
Soft Tissue Manipulative Therapy
Or
Spinal Manipulative Therapy
Or
Medical Massage
Most Major Medical Insurance Accepted: Please Call For Insurance Verification and Appointment
Serving Brooklyn
Dr. John D. Romero, Chiropractor
(718) 782-8159
8
●
●
THE REALTOR®
MLS NEWS
THE MULTIPLE LISTING SERVICE OF LONG ISLAND, INC.
MLS INFO LINE
MLS
By Frank Urso, MLS President
Q.
My listing expired last night and the
seller just decided to renew their
listing with me. Can I just have them sign an
extension or do I need a new listing?
Making the Right
Decision to Adopt Change
I extend congratulations to our 2009
LIBOR President Buddy Hussein and the
2009 LIBOR executive committee. I look
forward to working with them.
I’d like to acknowledge our 2008 MLS
President Barbara Ford of Ford Phase II
Realty Corp., for the outstanding job she
did during the past year and for the leadership she demonstrated to the executive
committee of MLS and its directors.
There’s only one Barbara Ford. Her leadership strengths and great knowledge of the
real estate industry will be hard to equal,
but I will do my best. Barbara stays on the
executive committee for two more years as
Past President; thank you Barbara.
I congratulate our 2009 MLS Executive
committee who will serve with me to the
benefit of our 2,400 participants and
24,000 agents.
Our newest member, who brings his vast
knowledge and experience to the committee as our Nassau County Vice President, is
Floyd Earl from Coldwell Banker Manor
Gate. Frank Dell’Accio from Century 21
AA Realty is our senior and highly respected member. He will serve as the Suffolk
County Vice President. Dorothy Ashkar
from Fairway Home Inc. is our Queens
Vice President for the second year.
Serving a second year as MLS Secretary is
former LIBOR President Mary Adams of
Century 21 American Homes. In his second year as MLS Treasurer, Kevin
Leatherman of Coldwell Banker Surf was
successful in reducing our budget by nearly $400,000 dollars. And last, but certainly
not least, serving his final year on the MLS
Executive Committee if former MLS
President and my friend, Chris Armstrong
from Century 21 Princeton Properties.
I find myself privileged to have served
with many of our fine past presidents such as
Barbara Ford, Chris Armstrong, Dan Ryan,
Don Scanlon, Jane Salomon and Jim Netter.
Thank you to each of you for that something
special you brought to our organization. We
are a better board because of your efforts.
Today each of us is faced with making
some of the most difficult decisions that
we have experienced in our real estate
careers. Some of us have been through
this before, most of us have not. We are
all faced with the challenge of running a
successful business in a challenging and
demanding market.
Doing business as usual might not be
the business plan that’s most effective as
we move forward in 2009 and beyond.
Each of us is now adapting, revising, consolidating, and cutting costs. That’s what
we as owners are supposed to do, make
the right decision to adapt or change. We
do it with planning, short term and long
Fines Given by the
Rules Committee
for Failure to
Submit Requested
Paperwork Since
11/20/08:
range. We anticipate change in order to
stay ahead of our competition or market
conditions or just to stay in business.
Changes in real estate as in any business
are inevitable. We do know that changing
business models will continue to evolve such
as VOW’s Virtual office websites. The internet will continue to change far more than we
know it and the education of the consumer
will continue to expand as they get more
informed through social networking, podcasts and YouTube videos to mention a few.
We will need to understand what our Gen X,
Y and Boomer brokers and agents expect
from MLS in order for them to meet the
needs of a changing consumer market. We
will try to reach them all through planned
broker forums. We will be challenged every
day by that someone or that Major
Corporation that is strategically thinking
right now of ways to change the way the real
estate industry does business in the future.
We are doing the same. Our MLS
Committees, Advertising, Technology,
Rules & Procedures, Budget & Finance,
and Field Issues are all prepared to deal
with the challenges of 2009. We will
review our past MLS strategic short and
long term plans with the intent to update
our strategy for 1, 2 and 5 years. Just as
that someone is thinking, we will be thinking. We will ask some of our most successful minds to help develop our strategic
plan for we have some of the most successful brokers and industry leaders in the
country right here in our MLS.
Change at MLS has always been
viewed with the best interest of all of our
brokers and their agents in mind in order
for them to be successful. MLS will
always continue to look at change as a
smart business opportunity.
MLS will look at ways to keep our brokers and their agents more updated to
change. You need to know more about how
it affects you! Yes, this is going to be challenging, and change makes us all look at
things differently to find a better way and
that’s a good thing. We’re ready for the challenge. “We’re more than REALTORS...”
we’re real estate leaders not followers!
Remember the words of this visionary
person who looked at things not as they
were but how they could be. He said “the
horizon is only as far as one’s eyes wish it
to be” That was Jim Casey founder of
United Parcel Service in 1907.
I am honored to be your 2009 Multiple
Listing Service President.
Thank you, Thank you very much.
$5,000
$3,000
$2,500
$2,000
$1,500
$1,000
$750
$500
$400
—
—
—
—
—
—
—
—
—
0 fines
1 fines
0 fines
0 fines
0 fines
3 fines
0 fines
1 fines
0 fines
Q&A
$375
$350
$300
$250
$175
$150
$100
$50
—
—
—
—
—
—
—
—
0 fines
0 fines
0 fines
5 fines
0 fines
0 fines
0 fines
0 fines
A.
A new Listing agreement would
have to be signed. Rule 607 is as
follows:
Any listing filed with the Multiple
Listing Service automatically expires
unless renewed.
All extensions must be obtained during
the original listing period, signed by the person(s) duly authorized to sell the property,
and must be postmarked or delivered to the
Service within forty-eight (48) hours after
obtaining the signature of the person(s) duly
authorized to sell the property, but no later
than twenty-four (24) hours after the expiration date of the original listing.
MLS Begins 2009 Advertising Campaign
The MLS advertising campaign will be focused on continuing to drive visitors to
MLSLI.com. Seen here is a copy of the primary ad that will begin running in
February. Additional variations of this ad that include promoting open houses,
sold property data, and rentals, will also be included in this year’s campaign.
GET YOUR COMPANY NOTICED...
ADVERTISE ON THE WEB...MLSLI.COM
ADVERTISE HERE
YOUR
CUSTOMERS
EXPECT
YOU TO BE
ONLINE!
Advertise your business on MLSLI.com for only $275 per
month and get your company noticed by thousands of
buyers and sellers that visit the site everyday.
Contact Donna Lee at 631-661-4800 ext. 348.
9
TECHNOLOGY
By Dana Nowick
Off Set-Up Fee*
Revolutionize‚ Your Business!
Get Your Transaction Documents
Online Today
We’re all working a little harder these
days and spending more time trying to
spend less money! With the hustle and
bustle of being a Realtor, looking for
ways to make your job easier is a must.
Everyone should be taking advantage of
FREE tools and technology that save you
TIME AND MONEY in this market, such
as Instanet. Instanet is a FREE service,
provided by MLSLI, which enables you to
fill out MLS/LIBOR forms and NY State
forms online. Now, you can fill out these
forms online and fax/e-mail them to your
buyers and sellers at no charge!
Realtors who currently use Instanet
find that they are able to provide better
service to their clients.
Joe Record of Century 21 Maridon
Realty says, “Instant has revolutionized
my business. It’s the one central place
where my agents, managers, and administrators can find all my important trans-
action documents from virtually anywhere.”
There’s so much to say about this
FREE service, but you really have to try
it out for yourself. Below, I have listed a
few ways that will help get your business
up and running with Instanet.
1. Start Today! Go to Stratus Add/Edit
and click on Instanet Online Forms
2. Hands-On Training Classes
Available! Includes 3 hours CE Credit.
Classes are offered at your local Realtor
Service
Centers.
Register
at
www.mlsli.com/gencomputerclass.cfm
3. FREE Online Webinar Available! If
you don’t have the time to come to our service centers, learn right from your home or
office PC. Register at https://www.trans
actiondesk.com/webinars
Back By Popular Demand!
FREE
MLS
Products and
Services Seminar
Take Advantage of All that your MLS has to Offer.
JUMP-START your business! Learn how to use
today’s latest tech tools to grow your business.
~ Blogging ~
~ Online Documents ~
~ FREE Stratus Tools ~
~ Tools for your Website ~
And MORE!
CONVENIENT LOCATIONS
CONTINENTAL BREAKFAST WILL BE SERVED
Register Today!
www.mlsli.com/seminar
This Offer Won’t Last
So Sign up Today!
Contact:
Dana Nowick,
MLS Product Marketing Specialist
631-661-4800 x367
[email protected]
MLSTechs.com
Offer valid for 1st monthly fee of $29.95. Regular monthly fees apply thereafter. Offer expires
3/31/09. Offer valid for new subscribers only.
*$100 discount applies only to BRS Search Engine.
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business with Social Networking sites.
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Stay tuned! Upcoming classes will be announced in the
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10
●
●
THE REALTOR®
2008 LIBOR Chapter
Acknowledgements
2009 Installation Event
Coverage
&
“Ordinary people
working together
will achieve the
extraordinary.”
Buddy Hoosein,
2009 LIBOR President
The NASSAU COUNTY Division
Breakfast was held on January 8, 2009
at the Milleridge Carriage House with
special guest speaker, Martin R. Cantor,
CPA/MA/Adjunct Associate Professor of
Economics at Dowling College.
The SUFFOLK COUNTY
Division Breakfast
was held on January15,
2009 at Villa Lombardi’s
with special guest
speaker, The Honorable
Philip Boyle, NYS
Assemblyman.
The QUEENS COUNTY Division
Luncheon was held on January 22, 2009
at Antun’s Catering with special guest
speaker, Brian Simon, Legislative Aide to
US Congressman Greg Meeks.
11
●
LONG ISLAND REALTORS®
FEDERAL CREDIT UNION
●
THE REALTOR®
“Financial services as it should be…
the personal way”
•
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Savings
Checking
Direct Deposit
Internet Account Access
Credit Cards
Auto Loans
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Vacation Club
Holiday Club
Mortgage Lending
American Express Gift
Checks &
Travelers Checks
NEW RATES
LONG ISLAND REALTORS® FEDERAL CREDIT UNION
FOR 2009!
Call or Visit
Us Today!
300 Sunrise Highway • West Babylon, NY 11704
631.661.4800 Ext. 371
www.lirfcu.com
Serving Our Members Since 1972
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QUE E NOW O
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100% Payout Only $35 Monthly Fee
NEW! FREE! Membership to www.eshowings.com
Virtual Secretary, All Showings appointments &
feedback done for You ($800/month value)
NEW! FREE! Advertising discount membership up to 30% discount on Newsday and other print ads.
NEW! FREE! Enhanced Listing marketing system sell your listing in 1/2 the time! (Ask us about it!)
NEW! FREE! Training, including monthly teleconference calls, All day Real Estate workshop and step by step
online traning system (approx. value priceless)
• FREE! Buyer and Seller Leads
• FREE! Foreclosure Membership (a $600 value)
• FREE! Virtual tours on photowalk.com (a $300 value)
• FREE! Elite top placement on Google, Yahoo, for search
“Long Island Real Estate” (approx. value priceless)
• FREE! Use of Beautiful A-Rated Offices. Queens Branch
coming soon.
• FREE! Advertising on Cablevision IO Homes Channel
#606 ($1,000/month value)
• FREE! Internet advertising to dozens of web portals that
include, Yahoo, Excite, Ask Jeeves, etc (approx a $300/month value)
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Exchange.com ($400/month value)
• FREE! Exclusive advertising on WannaNetwork.com (a
Over 225 Agents and Counting!!
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E-mail: [email protected]
Check us out on the World Wide Web at:
www.joinkeystone.com
12
●
●
THE REALTOR®
This
& That
exclusively for real estate professionals who
care about the environment and want to help
their clients benefit from the energy-efficiency, “green,‰ and healthier features of homes.
Vic Amoroso Named Sales
Manager at Daniel Gale
Sotheby's Stony Brook Office
3rd Annual Easter ‘Sealed with a
Gift’ Holiday Toy Drive Bonanza
Vic Amoroso, a longtime resident of the
Three Village area, has
been named sales manager for Daniel Gale
Sotheby's International
Realty's Stony Brook
office. Daniel Gale
Sotheby's President and
CEO Patricia Petersen made the announcement. In addition to his more recent success as an associate broker at Daniel Gale
Sotheby's, Vic is a former Suffolk County
school administrator who served in leadership positions for 26 years, including membership on the governing boards of several
statewide educational organizations.
For the third straight year, Century 21
Laffey Associates delivered on their
promise to make the 2008 holiday season
extra special for the students of the Easter
Seals Bronx Educational Facility. The
Principals of the firm, Emmett, Philip & Mark
Laffey, wish to thank everyone for their participation and generosity of the 2008 Toy
Drive. By rallying support from employees,
Realtors, Loan Officers and Title
Specialists, the Laffey Family of Associates
collected and delivered more than 600
toys, far exceeding the original goal. Once
again, jolly old St. Nick was in residence,
played beautifully by Principal, Philip Laffey,
aided by his many Laffey elves and helpers
at the school.
Jolie Powell, Broker/Owner of Jolie
Powell Realty Inc., has earned the
EcoBroker Certified+ designation, having
successfully completed a unique and informative training program on the energy and
environmental issues that affect real estate
transactions. Jolie joins the movement of professionals pushing the real estate market
toward energy-efficient, sustainable, and
healthier design/features in homes and
buildings. EcoBroker International’s education and designation program is designed
MLS Past President Dan Ryan
Named Sales Manager at Century
21 American Homes in Baldwin
OBITUARIES
Dan Ryan, Sr. has
recently been named
sales manager at
Century 21 American
Homes in Baldwin.
Dan has been an
active licensed real
estate professional for
18 years. He is a Past
We regret to inform you of the passing of
Rena H. Lulov on November 16, 2008.
Rena was a real estate broker in Great
Neck for 30 years; she was a principal of
Ackerman Lulov Real Estate and later
Rena Lulov Realty.
We regret to inform you of the sudden
passing of Komal (Amit) Sooknanan of
ERA Professional Realty, South Ozone
President of MLS and past LIBOR Nassau
County Vice President. Dan also serves
as a New York Association of REALTORS+
(NYSAR) Director since 2004. He graduated from the New York State Association
of REALTORS+ Training Institute, and is a
New York State approved Real Estate
Continuing Education Instructor working
for LIBOR and other licensed schools. He
is also a licensed Notary Public. Dan
received the 2007 LIBOR REALTOR+Broker of the Year Award. Dan, an avid
golfer, resides with his wife Katie in
Island Park.
Century 21 American Homes located
at 72 E. Main Street in Babylon Village,
hosted a winter clothing and food drive to
benefit the First Presbyterian Church in
Babylon Village. More than 100 families
are fed each week and are provided with
other benefits throughout the year, donations are always accepted. American
Homes collected approximately 65
pounds of food, and plenty of boxes of
winter clothing as well.
Park. Komal died in a car accident
early Thanksgiving Morning. Services
were held on December 1st and 2nd at
Leo F. Kearns Funeral Home in
Richmond Hill.
Patrick Adams, husband of MaryAnn
Adams of C21 Castle Realty. Services
were held on December 11th and 12th at
Maloney’s Funeral Home in Ronkonkoma.
Vivienne Klein, wife of Allan Klein, Daniel Gale
Sotheby’s International Realty in Syosset.
Venecia Guerrero of Millennium Homes in
Bay Shore. Services were held on
December 28th and 29th at Michael J.
Grant Funeral Home in Brentwood.
Cheryl Manne, beloved best friend of Tony
Smith of S.A.S Realty, Wantagh. Services
were held on January 12th and 13th at
Massapequa
Funeral
Home
in
Massapequa Park. Donations in Cheryl’s
memory can be made to St. Frances de
Chantal Multiple Sclerosis Group 1309
Wantagh Ave. Wantagh, NY 11793.
We regret to inform you of the untimely
passing of Michael Stryska, son of Kendra
Stryska of Weichert Realtors — Dutch
Door in West Sayville. Services were held
on January 21st and 22nd Wednesday at
Chapey & Sons in West Islip. Messages of
Condolence may be sent to 59 Main St.
West Sayville, 11796
Bob Cubbin, husband of Ellen Cubbin of
Coldwell Banker Residential Brokerage in
Syosset, on January 18th.
Have the Rules of the Game
Been Changed ForrYou?
INTERNET
LEAD FEES
REDUCED
COMMISSION
SPLITS
REDUCED
SUPPORT
STAFF
HIGHER
TRANSACTION
FEES
ADVERTISING
FEES
The Next Move is Yours!
If you want to energize your real estate career withoutt increased fees call:
Cathleen Whelan, H.R. Director (All calls are conﬁdential.)
631-360-1900 x201, [email protected]
Coach Realtors is Long Island’s largest privately owned Real Estate Company,
serving Nassau and Suffolk for over 50 years.
www.coachrealtors.com
13
●
●
Meeting The Market Challenge In 2009
Helping Homebuyers Make Informed Decisions
WE’LL DISCUSS:
• The needs and concerns of
today’s homebuyers
3:00pm Thursday, March 12th
Mark your calendars! You won’t
want to miss this important event!
• How to guide and educate
homebuyers in uncertain
times
• How to manage your
business and finances for
professional and personal
success
Contact me for more details
early in February, including
registration information.
Cristina Hoffman
532 Broadhollow Rd, Melville, NY 11747
Tel (631) 752-5066
Cell (516) 330-3299
[email protected]
David Bach
Brian Buffini
Founder & President
FinishBach Media™
Chairman & Founder
Buffini & Company ™
See and hear an all-star leadership panel address the importance of
Helping Homebuyers Make Informed Decisions. This dynamic,
insightful forum will be broadcast live to the movie theatres listed
below on the afternoon of Thursday, March 12
Theater Name
Address
City
St
Zip Island 16 Cinema De Lux 185 Morris Ave
Holtsville NY 11742 Westbury Stadium 12
7000 Brush Hollow Rd Westbury NY 11590 College Point Multiplex 28-55 Ulmer St
Whitestone NY 11357 Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2009 Wells Fargo Bank, N.A. All rights reserved.
104949 -
THE REALTOR®
Coming Soon To A Theater Near You
14
●
●
THE REALTOR®
RPAC
REALTORS POLITICAL ACTION COMMITTEE
2009 RPAC HONOR ROLL
LIBOR’S 2009 RPAC GOAL IS $375,810 BASED ON
RPAC’S FAIR SHARE OF $15 PER MEMBER.
IT’S YOUR BEST
INVESTMENT IN BUSINESS!
GOLDEN R
($5,000 AND UP)
Joseph L. Canfora*
Dorothy Herman*
Patricia Levitt*
Audrey Livingstone*
CRYSTAL R
($2,500 TO $4,999)
STERLING R
($1,000 TO $2,499)
Lisbeth N. English*
Melvyn S. Farkas*
Barbara F.
Frechter*
Susan G.
Helsinger*
Walauddin
Hoosein*
Mary F.
McLaughlin*
Walter Messina*
Joseph E. Mottola*
Donald C. Scanlon*
PRESIDENT’S
CLUB
($500 TO $999)
Matthew B. Arnold*
Gabriele Bishop*
Nicholas Gomez
Tony Smith
CAPITOL CLUB
($250 TO $499)
Nicholas Gigante*
Melissa Gomez
Richard M. Shane
Joseph T. Sinnona*
Neil E. Sterrer
$99 CLUB
($99 TO $249)
Christopher Andron
Gina M.
Bettenhauser
Barbara A.
Bucovetsky
Marie A. Costello
Surekha S. Dave
Sandi Lefkowitz
Maxwell S. Levitt
Brian P. Lomot
Bettie M. Meinel
James F. O ’ane
Xiao Feng Pan
Linda J. Petralia
Rose Marie Princi
Willard L. Rose
Marlena C. Schein
Charlotte
Vanderwaag
LESS THAN $99
($18 TO $98)
Lynne B. Aaronson
Henry Ababon
Patricia Abamonte
Paula Abbamonte
Joseph A. Abbate
Hamdy
Abouhasswa
Abraham C.
Abraham
Cheriyan Abraham
George Abraham
Salim Abraham
Millie Abrahmov
Jacqueline A.
Abramaitis
Joseph J.
Abramaitis
Barbara J. Abrami
Evelyn A. Abreu
Fidel A. Abreu
Thomas M. Accardi
Julie A. Accetta
Richard D.
Accomando
Julia Acevedo
Nancy A. Achstatter
Joseph M.
Achtziger
Bartlett L. Ackerson
Carolina Acosta
Patty Acosta
Pedro Acosta
Salvatore J.
Acquista
Steven Actisdano
Nina Adames
Karen F. Adamo
Kenneth L. Adamo
Kenneth P. Adamo
Suzanne Adamo
Lourdes Adams
Malcolm L. Adams
MaryAnn Adams
Mary C. Addams
Olatoyosi T.
Adesina
Farid Adhami
Buddy J. Adler
Mark S. Adler
Stephen Adragna
Lucia Adrian
Christopher P.
Affrunti
Anupa Agardeo
Rina Aghalarpour
Joseph A. Agnello
Juan Aguilar
Juan R. Aguirre
Raymond Ahamad
Jessica A. Ahern
Rafik Ahmad
Alucinda M. Ahmed
Awal Ahmed
Kazi B. Ahmed
Mamdouh O.
Ahmed
Mohammad M.
Ahmed
Sabbir Ahmed
Zahir U. Ahmed
Han Sik Ahn
Jae Soon Ahn
For more information, please contact
Randy L. Kaplan, Director of Governmental
Affairs, Ext. 380.
Julie C. Ahn
Elizabeth Aiello
Gary Ain
Eileen M. Aivaliotis
Sevilay Akbulut
Maureen Akerberg
Wesike Akpovwa
Kathryn H. Aksak
Gerald P. Alaia
Sal R. Alaimo
Mohammad S.
Alam
Muhammad N.
Alam
Joseph Alarimo
Karen K. Albanese
Nicholas Albanese
Anita M. Albert
Ladislau Albert
Assompta Albertini
Amy A. Albrecht
Donna T. Albro
Adina Aldad
Elizabeth S. Alessio
Cecilia Alexander
Sydney Alexander
Dorothy Alfano
Frank Alfano
Rose M. Alfano St
John
Frank T. Alfieri
Jose M. Alfonso
Selina E. Alfonso
Asef Ali
Aslam Ali
Azim O. Ali
Malik Ali
Mohammad J. Ali
Muntaz Ali
Mustaq Ali
Rafaqat Ali
Shahid Ali
Giacomo C. Alia
Catherine L. Aliano
Linda Alimaras
Michael A. Aliperti
*THESE LIBOR MEMBERS HAVE PLEDGED RPAC CONTRIBUTIONS.
Khalil A. Alkaifi
Olivier Allain
Barbara A. Allen
Cheryl E. Allen
Dilward G. Allen
Hazrat Alli
Shameena Alli
Bridget D. Allim
Doina Almazon
Anna Almiroudis
Luz Alba Almonte
Gladys V. Alonso
Albert L. Alston
Jennifer L. Alt
Maria S. Altamuro
Marilyn Altebrando
Karen Alterson
Fresnel Altidor
Ignacio G. Alvares
Diane Alveari
Kenneth P. Alveari
Donna M. Alvino
Alyciana A. Ama
Jose Amaro
Alfred Amato
MaryAnn Amato
Robin Amato
Donna Amatulli
Jacques Ambron
Dina A.
Ambrosecchia
Vanessa I.
Ambrosecchia
Barbara A.
Ambroselli
Frank Amendola
Zulfiqar A. Amer
Loretta C. Ames
Wendiann Amicizia
Gary Aminov
Diana Amirian
Reza Amiryavari
John Ammirati
Sal Ammirati
Michael C. Amodio
Changsoon An
Elizabeth Aquino
Anita Aragona
Michael J. Arato
Spyridon
Aravantinos
Maryann E. Arceri
Viorel A. Ardelian
Joseph Ardito
Michael A. Ardolino
John M. Arena
Victor Arenas
Gary Argento
Elsa Liliana
Aristizabal
Munarov Arkadiy
Janine M. Armata
Chris Armbrecht
Ronald D. Armet
Rabindranaut
Armogan
Christina M. Armyn
Patricia R. Arndt
Candi E. Arnesen
Richard B. Arnold
Diana Aronica
Maureen P. Arra
Francisco B. Arrieta
Humberto Arrieta
Libertino Arrigo
Jorge Arroyo
Paula Marie Arturi
Lucille M. Arzano
Vivian
Arzoumanidis
Joseph Asaro
Sergio P. Asaro
Jon R. Asch
Dorothy A. Aschkar
Daniel Asciolla
Kathaleen S. Ash
Brian P. Asher
Marie E. Asher
Suzanne R. Asher
Sandra Asip
Audrey A. Aspinall
Maria C. Assalone
Evelyn Atanas
George
Athanasopoulos
Jan M.
Athanasopoulos
John
Athanasopoulos
Eduardo Atristain
Andrea Attanasio
Annette Attanasio
Marie Aubin
James N. Augello
Anthony D. Auguste
Janet Augustino
Nora E. Avalos
Karen J. Avellina
Michael Aversano
Sistina Aversano
Patrice Aviano
Peter Aviles
Lorraine Avitabile
Suzan Avitan Padel
Nabil N. Awad
Stanley Awala
Azucena M. Ayala
Diab
Denise M. Ayre
Mohamed A.
Azeem
Michele T. Azzara
Elizabeth B.
Azzararello
Franca Azzilonna
Shesh
Natalie Babayev
Kenneth P.
Babcock
Kiriacos
Bacalocostantis
Sandy Bacchus
Sheik M. Bacchus
Daniel J. Bacci
Barbara M. Bach
Anita Bachrach
Chang Seok Baek
Maria Baer
$375,810
$375,810
Carl R. Baessler
Elizabeth Baez
Ramraj Bahadur
Emmanuel Baille
Don H. Bak
Gervaise M. Baker
Linda A. Baker
Steven B. Baker
Salih Bakir
Fizool Baksh
Ganesh P. Balack
Magaly A.
Balanzategui
Evangeline
Balaskas
Theresa Balazs
Lynette Baldwin
John A. Balis
James A. Balletta
Lynn Balletta
Carmen F.
Balmaceda
Peter Balodimas
Janice Balsamo
Lilian D. Balzana
Kimberly G.
Bancroft
Melissa W. Bancroft
Myrna A. Bancroft
John E. Banham
Victor Banks
Marjorie Baptiste
Olga Baram
Paulina Baratta
Lisa L. Barbatsuly
Nadine Barbera
Sonia Barberan
Colleen M. Barbieri
Elizabeth Barboza
Frances Barbuto
Kathleen Bardekoff
Augusto Bardi
Donna L. Barilla
Angela Barillaro
Claudia O. Barnes
Joseph W. Barnett
Jerome W.
Barnwell
Darlene Baron
John L. Barone
Joseph Barone
Maria G. Barone
Helen Baroumis
Stephanie Barreda
Erika Barres
Samuel Barreto
Junior A. Barrett
Robert S. Barrett
Darren D. Barrows
Warren E. Barta
Joan E. Bartels
Tasha L. Bartlett
Bernadette Bartolillo
Tinamarie Bartolotta
Ann F. Bartonik
Gregory Bascombe
Michelle L. Basile
Paul R. Basileo
Raj K. Basnet
Lynn D. Basnight
Susanne Bass
Christian Bastian
Jose L. Batista
Lin Ying Batista
Rolando A. Batres
Jeanine Battaglia
Gary Baumann
Peter J. Bavoso
Manjeet Bawa
Chris J. Baylis
William J. Baylis
Stephen A.
Baymack
Zavi Baynes
Judith P. Bean
Corey Beanland
Jacques F.
Beauchamp
Joanne C. Bechhoff
Cynthia M. Beck
Alice Becker
Barbara Becker
DUE TO SPACE CONSIDERATIONS, A COMPLETE LIST OF RPAC CONTRIBUTORS WILL BE AVAILABLE ONLINE AT LIREALTOR.COM
RPAC UPDATE
By Pat Levitt,
RPAC Chairperson
More Work To Be Done
Well...here I am again...your Realtor
Political Action Committee Chair. This
will truly be a challenging year but I'm
ready for it and counting on your support!! In this “crazy” market we’ll need
the continued support of our legislators,
both local and nationally. It is, therefore,
imperative that we continue to support
those legislators who have supported us
as Realtors. After many years we were
able to get a Commission Escrow Bill
passed but this does not mean we can sit
back and not contribute to RPAC. (Note:
we are the only state to have such a
Law.) Each year new issues arise that
could impact the way we can do business. We count on our legislators to
understand and support our needs so we
must allow them to count on our support.
Our RPAC dollars are our way of supporting our elected officials who support
the real estate industry.
We now have many restrictions
regarding RPAC fundraising. Therefore,
I must appeal to you for your voluntary
and generous contributions. Also, since
education is a necessary faction, I ask
that you spread the word to your coworkers who may not realize how
important it is to make an investment in
RPAC. This year’s Committee intends
to keep the “fun” in fundraising. We
Stephanie H. An
Yongnan M. An
Bruce C. Andersen
Claire Anderson
Elizabeth F.
Anderson
Jay Anderson
Mark G. Anderson
Stuart M. Anderson
Susan Anderson
Michelle Andonian
Tony Andre
Peter D.
Andreasian
Christina Andreou
Denise Andriano
Dominick Andriano
Irina Andriasova
Kenneth J. Anello
Ronald H. Anello
Jan M. Angarita
William J. Angelos
Laurie J. Angrisani
Salvatore
Annarumma
Rosaria Anninos
Joseph Annunziata
Aslam P. Ansari
Halima Ansari
Manzur A. Ansari
Diana M. Ansbach
Joan A. Ansman
Eric Anteby
Paige P. Antonellis
Constance J.
Antonetti
Sandra L. Antonini
Marla J. Antonoff
Novick
Salvatore J.
Anzalone
Vito W. Anzalone
Juana Aponte
Raquel B. Aponte
Theresa M.
Aquaviva
GOAL
GOAL
plan on having some new and exciting
events and expect to bring back some of
our “oldies but goodies”. SAVE THE
DATE...April 30th we are holding our
5th Annual Day at the Races.
We’re also bringing back our “Mr.
Legs” contests and our “Realtor’s Got
Talent.” If you have any ideas that we
can consider for fundraisers please feel
free to let us know.
My Vice-Chairs this year are: Suffolk
- Matt Arnold, Queens - Nabih Halaka,
Nassau - Susan Helsinger. Together we
are strongly committed to reaching our
2009 goal of $375,810. We are confident that we will be able to count on
your support and that we will have a
very successful year. Remember, investing in the Realtor's Political Action
Committee is the best investment you
can make in real estate.
My motto is SBS — slowly but surely. I'm looking forward to working with
you, the LIBOR team, again this year.
Can I count on your help?
P. S. Something new!!!!! Look for
RPAC’s “Green” Tote Bags at your
chapter meetings.
15
LEGAL/ETHICS
●
By Cathy Nolan
Last year Governor David A. Paterson
signed into law Section 294-B of the Real
Property Code, which, for the first time in
this state, establishes a modicum of protection for the Broker who has a client
who refuses to pay the earned commission. This law became effective on
January 1, 2009.
In order to obtain the protection offered
by the Statute, the Broker must have a
written agreement with the seller which
specifically contains the following language: “At the time of closing, you may
be required to deposit the broker’s commission with the county clerk in the event
that you do not pay the broker his or her
commission as set forth herein. Your
obligation to deposit the broker’s commission with the county clerk may be
waived by the broker.” MLS has new listing forms which contain the proper language in order to make sure you conform
to the statutory requirement. You can
order the forms on line, in person or by
phone.
The following sales are covered by the
act: Residential Real Property,
Condominiums
and
Cooperative
Apartments under most circumstances.
Vacant Land, Commercial Property and
Leased Property are expressly exempt.
Keep in mind, if the transaction does not
close, the Act does not apply.
There are many nuances to this piece
of legislation and LIBOR has put together a 3.75 hour CE Credit class for agents
and brokers to address the issues and to
clarify the law. The purpose of this article
is to alert you to the fact that the law is
now in effect and to let you know that
everything possible is being done by the
Board and the Multiple Listing Service to
make you familiar with any and all
requirements thereto.
Realtors fought long and hard, often
uphill, to bring this law into being for the
benefit of all of you who work so hard,
especially in these financially uncertain
times, to earn a justly deserved commission. Do not let ignorance of the law keep
you from the benefit so recently gained
for you! (You may call the Education
Department to find out about class schedules.) Here’s to a successful 2009!
The new Commission Escrow Act is now in effect. This program will provide you with an
overview of the new law, how you can benefit, obligations to the consumer, necessary
paperwork and important timeframes you must know about. Find out what you need to
know about the new CEA and how to protect your commissions. Students will receive a
copy and explanation of the changes to the new MLS Listing Agreements.
Approved for 3.75 hours of NYS CE credit and NAR Ethics credit.
Here are the upcoming Winter classes:
RSC WEST BABYLON
346 Sunrise Highway
February 13, 2009
March 4, 2009
February 21, 2009
March 19, 2009
February 27, 2009
RSC JACKSON HEIGHTS
75-35 31st Avenue, Suite 207
February 28, 2009
March 30, 2009
March 9, 2009
RSC WOODBURY
100 Crossways Park Dr. West, Suite 106
February 6, 2009
March 7, 2009
February 10, 2009
March 21, 2009
RSC RIVERHEAD
185 Old Country Road, Suite 1
February 9, 2009
March 5, 2009
February 19, 2009
March 13, 2009
Tuition — $30.00 LIBOR Members / $50.00 Non-members
For class times and more information visit
http://www.mlslirealtor.com/contedclass.cfm or call 631-661-4800 ext. 21.
LIBOR LEGAL HELPLINE
BEGINNING JANUARY 1, 2009 THE LEGAL HELPLINE
OPERATING HOURS WILL CHANGE
Please be advised that beginning in January 2009, the LIBOR Legal
HELPLINE will now be available to members five days a week,
Monday through Friday, noon to 5:00 pm. Please note that the
Helpline phone and fax numbers will remain the same.
MONDAY — FRIDAY • NOON - 5PM
CALL (631)
236-4105 OR FAX (631) 236-4110
ETHICS...THIS MONTH’S TOPICS
The Ethics case published in this issue have been chosen by the 2009 Chairperson of the Professional Standards Committee, Linda Bonarelli.
Case #12-21: Registration of
URL Similar to Name of
Subsequently-Established Firm
REALTOR® Z was the technology-savvy
partner in the XYZ residential real estate firm
in the north woods. She was also a former
advertising executive who was constantly
looking at new and innovative ways to position and market the XYZ firm. While her
partners had consistently resisted her suggestions to change the firm’s name to better
reflect the locale they served’ REALTOR® Z
had’with their concurrence’registered a number of domain names based on firm names
she had to date been unable to convince her
partners to adopt. She felt this was a wise
strategy since it was only a matter of time
until she would convince her partners that a
name change was beneficial. Among the
domain names registered were nothwoodsrealestate.com’ woodsandlakesrealty.com
and upnorthrealestate.com. None of those
names were’ to the best of REALTOR® Z’s
knowledge’similar to the names of other area
real estate brokerage companies.
Approximately a year later Sales
Associate B received his broker’s license’
left the XYZ firm and opened his own brokerage firm which he named Up North Real
Estate. When he attempted to register the
domain name upnorthrealestate.com he
learned it had already been registered by
REALTOR® Z. Upset with this turn of
events’ he filed an ethics complaint with the
local association of REALTORS® charging
REALTOR® Z and her partners with having
violated Article 12 of the Code of Ethics’ as
interpreted by Standard of Practice 12-12.
At the hearing’ REALTOR® Z defended
her actions in registering the domain name
upnorthrealestate.com on grounds she had
been actively lobbying her partners to change
the firm’s name to Up North Real Estate; that
she had no intention of using the domain
name upnorthrealestate.com until the firm’s
name was changed and that at the time she
had registered the name no other firm that she
was aware of had a similar’ let alone identical’ name. Moreover’ she argued’ a domain
name does not have to mirror a firm’s name;
it merely has to present a “true picture.” “The
XYZ firm has listed and sold residential property in the north woods for many years. ‘Up
North Real Estate’ at some point’ if the XYZ
firm had used the domain name ˆ which we
haven’t ˆ it still would have satisfied Article
12’s true picture requirement since it refers to
a particular geographic locale ’ not to a competing real estate company.”
The hearing panel agreed with REALTOR® Z’s reasoning’ concluding that at the
time REALTOR® Z registered the domain
name upnorthrealestate.com’it was not similar to the name of any other area real estate
company. The panel also noted that if it had
been used’ the domain name would have
satisfied Article 12’s true picture requirement since it would have simply suggested
to consumers that it was a source of property information in that geographic area.
Case #12-22: Registration of
Domain Names Based on
Competitors’ Firm’ Names
REALTOR® X was the principal broker
of a small but growing real estate brokerage firm. REALTOR® X was constantly
on the lookout for new and innovative
ways to distinguish her firm from the competition and to increase its market share.
Rather than simply relying on tried and
true methods’ REALTOR® X sought and
often followed the advice of education’
marketing and technology consultants.
Based on the advice of her technology
expert’ REALTOR® X created and registered domain names for her firm’ for the
licensees affiliated with her’ and for herself.
A somewhat more troubling recommendation was that she registered domain names
mirroring the names of the real estate brokerage firms in her area with the largest
market shares. When she questioned the
consultant’ he responded’ “There’s no reason why not. Everyone does it. It’s just
competition ˆ and aggressive marketing.”
When REALTOR® A tried to register a
domain name for his firm ABC REALTORS®; he learned that domain name had
already been registered by REALTOR® X.
Doing further research’ he learned the names
of several other large companies in the area
had also been registered as domain names by
REALTOR® X. REALTOR® A filed an
ethics complaint with the local association of
REALTORS® charging REALTOR® X
with violating Article 12 of the Code of Ethics
as interpreted by Standard of Practice 12-12.
At the hearing’ REALTOR® X defended her actions noting that Article 12
requires REALTORS® to “present a true
picture in their advertising’ marketing’ and
other representations.” She pointed out
that she had never used the registered
domain name mirroring the name of
REALTOR® A’s firm’ or those based on
the names of other local firms. Since she
had not used the domain names’ she couldn’t see how she had violated Article 12.
The hearing panel did not agree with
REALTOR® X’s reasoning. The panel
based its decision that REALTOR® A had
violated Article 12 on the wording of
Standard of Practice 12-12 which bars
REALTORS® from registering URLs or
domain names which’ if used’ would present less than a true picture. The panel also
noted that the very act of registering a
URL or domain name which’ if used’
would present an untrue picture is all that
is required to violate Article 12’ as interpreted by Standard of Practice 12-12.
THE REALTOR®
The Real Estate Commission
Escrow Act
●
Goldson, Nolan & Connolly, P.C.
General Counsel
Winter 2009 — Commission
Escrow Act and New MLS Listing
Agreement Training Schedule
COUNSELOR’S COMMENTS
16
●
●
THE REALTOR®
COMPUTER EDUCATION
NEW! NEW! NEW! NEW!
NEW — STRATUS CERTIFICATION PLUS
FAIR HOUSING COMBO CLASS —
22.5 HOURS
Satisfy ALL of your New York State requirement for 22.5 hours
of CE including 3 hours of Fair Housing over this three day
class. Day 1 will cover Stratus customization, searching, viewing and printing reports, mapping, update, open houses, statistics, saving searches. Day 2 will cover Public Records and
mailing labels in the morning. In the afternoon of Day 2, students will registers and complete a 3 hour online FAIR HOUSING course with the instructors help. On Day 3, students will
cover CMA, Add/Edit, photo upload, and prospect match.
Important note: Total cost: $255. Students will pay $225 to
register for the Stratus class, then an ADDITIONAL $30 for
the online course on day 2. Credit card or checks accepted.
LIBOR will process 19.5 hours Stratus CE and 3 hours Fair
Housing CE separately. Students attending must have basic
computer and Internet skills.
3 DAYS • 9:00 A.M. – 5:30 P.M.
EVENING HOURS ARE 5 DAYS FROM 5:00PM – 9:30PM
Riverhead . . . . . Feb 12, 19 and 26 (Thursdays)
West Babylon . . . Feb 17, 20 and 24
Jackson Heights . Feb 18, 24 and 27
Woodbury . . . . . Mar 3, 10 and 17 (Mondays)
West Babylon . . . Mar 13, 20 and 27 (Fridays)
Jackson Heights . Mar 16, 23 and 30 (Mondays)
Woodbury . . . . . Apr 2, 7, 15, 22 and 29 (5 EVENING CLASSES)
West Babylon . . . Apr 16, 23 and 30 (Thursdays)
Riverhead . . . . . Apr 23, 27 and 30
Jackson Heights . May 5, 12 and 19 (Tuesdays)
West Babylon . . . May 14, 18 and 21
West Babylon . . . Jun 8, 11, 15, 18 and 22 (5 EVENING CLASSES)
Woodbury . . . . . Jun 10, 17 and 24 (Wednesdays)
REGISTER ON LINE AT MLSLI.COM OR CALL TO
REGISTER 631-661-4800 EXT. 21
SEATS ARE LIMITED!
NEW PROGRAM FOR ALL AGENTS
ONLINE FORMS & REAL ESTATE
DOCUMENTS WITH INSTANET
$49 LIBOR MEMBERS • INCLUDES 3 HOURS NYS CE CREDIT
Use the INSTANET ONLINE FORMS product to save $$$,
work more efficiently and begin the transition to a PAPERLESS and GREEN business!
• Complete ALL your MLS, LIBOR and NY required forms online
and save to your pc
• E-Mail and Fax (Unlimited) important documents to clients
• Upload listing to Stratus as a worksheet – No need to retype
• Secure record keeping – Reduce Risk
CONSIDER TAKING ONE OF THE INSTANET CLASSES OR WEBINARS TO
LEARN MANY MORE POWERFUL FEATURES OF THIS PROGRAM!
Jackson Heights . Feb 12, Apr 21, Jun 9 . . 9:00am – 12:00pm
Woodbury . . . . . Feb 18, Apr 6, Jun 2 . . 9:00am – 12:00pm
West Babylon . . . Mar 11, May 12. . . . . . 9:00am – 12:00pm
Riverhead . . . . . Mar 18, May 7 . . . . . . 9:00am – 12:00pm
To access the forms:
1. Go to Stratus ADD/EDIT
2. On the left side menu, click the link for Instanet Online Forms
3. Click on the CLICK HERE next to the Instanet logo
4. If it's your first time opening Instanet, you will be required to accept the
terms and conditions and run a "pre-flight" system check to make sure
your computer has all that's needed for Instanet. Follow their recommendations.
5. At the Instanet main page, click on Work With Individual Forms
6. Click on the "+" sign next to MLS Long Island to see the list of forms.
7. Select the form you would like to use, then on the right side, click on
CREATE NEW FORM
8. The form will open and fields can be completed by clicking with your
mouse and typing in the box.
9. Use the icons at the top to PRINT, FAX or E-MAIL forms for signature
GREAT NEW CLASS
LEARN TO USE YOUR DIGITAL CAMERA
$29 LIBOR Members • $39 Non-Members
Bring your camera and FINALLY learn how to move photos
from your camera to the computer! You'll label the photo files
for easy identification and set up folders to hold and organize each property's photos. You’ll also learn how to upload
photos to Stratus for marketing your listings. Class will also
cover how to e-mail photos and post on websites for sharing. Must have basic knowledge of your
camera and MUST BRING YOUR CAMERA LOADED WITH PHOTOS (preferably real estate) AND THE USB CABLE.
Any brand of camera can be used. No
CE Credit Available
West Babylon. . May 20 ..9:30am – 1:30pm
FREE STRATUS DEMO
MLS STRATUS DEMONSTRATION
Three hour lecture demonstration (NOT hands-on). Instructor
will show the Stratus system on an overhead projector. All
functions of Stratus will be covered: Searching, CMA, Update,
Info Center, Public Records, Add/Edit, Prospect Match,
Contacts. All members welcome – reservations are a MUST!
No Pre-requisite. 3 Hours (1 meeting)
LIBOR MEMBERS WITHOUT CE: FREE
LIBOR MEMBERS WITH CE: $25
3 HOURS CE NOW AVAILABLE!!!
West Babylon . . Feb 9 . . . . . . . . . . . . 9:30am – 12:30pm
Woodbury . . . . . Mar 6, Jun 22. . . . . . . 10:00am – 1:00pm
Jackson Heights . May 20 . . . . . . . . . . . 10:00am – 1:00pm
STRATUS HANDS-ON
ALL NEW!
7.5 HOUR STRATUS HANDS-ON CLASSES
EARN CE CREDITS
$75 Each Class — Take 3 Modules and $ave!
GET ORGANIZED WITH STRATUS
Become a MARKET EXPERT! Print property lists by street
and by price range. Use all the different reports to make it
easier to MEMORIZE listings. Design a basic report and print
your daily update. Create your HOUSE FARM by isolating
300 public records by street in the area you will target and
print simple LABELS to send a marketing piece. Finally, you
will get started on your PEOPLE FARM using the Stratus
contacts function to track key info on everyone you know!
Woodbury . . . . . Feb 5, Jun 12 . . . . . . . 9:00am – 5:30pm
Jackson Heights . Mar 4, May 7 . . . . . . . 9:00am – 5:30pm
West Babylon . . . Apr 6 . . . . . . . . . . . . 9:00am – 5:30pm
STRATUS TOOLS TO MOTIVATE SELLERS
Today’s sellers need information, data and guidance.
Develop your skills in preparing a comprehensive CMA
using detailed comps(including private sales) and a professional presentation including market plan and market statistics. You will create simple mailing labels to send a listing
announcement. You will learn to use the INSTANET online
forms and complete the MLS listing form and upload to
Stratus. You will upload photos, attach important documents
and prepare for showings and the open house.
West Babylon . . . (Sat) Feb 7, Apr 28 . . . 9:00am – 5:30pm
Woodbury . . . . . Feb 11, June 23 . . . . . 9:00am – 5:30pm
Jackson Heights . Mar 12, May 14 . . . . . 9:00am – 5:30pm
STRATUS TOOLS TO MOVE BUYERS
You can’t have buyers knowing more than you do! WOW
them with detailed searches, automatic e-mails with prospect
match, use the Stratus MAP searches to show the area with
schools, shopping etc. You will search public records for possible foreclosures. Learn to print mailing labels from Stratus
public records for your prospecting, use the financial calculators to pre-qualify and design custom reports that make sense
to your buyers and help move them to sign that contract!
West Babylon . . . (Sat) Feb 28, Apr 17 . . 9:00am – 5:30pm
Woodbury . . . . . Feb 23, Jun 29 . . . . . . 9:00am – 5:30pm
Jackson Heights . Mar 24, May 21 . . . . . 9:00am – 5:30pm
LISTINGBOOK TOOLS
GREAT TECHNOLOGY LECTURES
TECHNOLOGY: GIVE CONSUMERS THE
INFO THEY REALLY WANT
West Babylon . . . Feb 11. . . . . . . . . . . . . 9:00am – 5:30pm
Woodbury . . . . . Apr 1. . . . . . . . . . . . . . 9:00am – 5:30pm
Today's consumers demand easy access to listings, Realtors
and information about the buying and selling processes – all
using the latest technology. Give them what they want using
technologies such as IDX on your website, Listingbook for
online communications, buyer/seller guides, school and communities information, financial calculators, easy access to all
MLS/LIBOR forms via Instanet, nationwide exposure for listings
on sites such as AOL, Realtor.com, Trulia, Craigslist, E-Bay, etc;
great photos, photo tours and video tours. We'll look at some
great avenues to get the information out there including a FREE
website on Google and A FREE blog using Wordpress.
$75 LIBOR Members/$95 NON Members • 7.5 Hours CE Credit
Can Be Combined With Other 3 Class Packages —
Ask About The $pecial Pricing!
TECHNOLOGY CAN PROTECT YOU FROM
FINES AND PENALTIES
West Babylon . . . Mar 21 (SAT) . . . . . . . . 9:00am – 5:30pm
Woodbury . . . . . Jun 19. . . . . . . . . . . . . 9:00am – 5:30pm
The internet information and technology tools available today
can assist agents and brokers greatly in managing their risk.
WeBll look at issues such as DOS, CE, Licensing, MLS Rules
and automatic fines, all required real estate forms and how to
access, fax and save through Instanet, online property research
using public records and tax databases, e-mail risks and how to
minimize with tools such as RPost to certify your e-mails, the
transaction management program in Instanet, saving a document as PDF, computer backup, scanners, Outlook and the
wealth of information online to keep you informed and up to date
on Fair Housing, Do Not Call, CAN SPAM through websites
such as NAR, NYSAR, HUD, DOJ, FCC, FTC, and RISMedia.
$75 LIBOR Members/$95 NON Members • 7.5 Hours CE Credit
Ask About The $pecial Pricing!
GENERAL COMPUTER TRAINING
COMPUTER ESSENTIALS USING
WINDOWS XP AND THE INTERNET
Covers the computer BASICS that everyone must know.
Learn how to find lost files, create new folders, change
your desktop, surf the Internet using IE, Google and more.
4 hours hands-on (1 Meeting)
PREREQUISITES: NONE. NO CE AVAILABLE.
TUITION: $49 LIBOR Members/$99 Non Members
West Babylon . . . Mar 17 . . . . . . . . . . . 9:30am – 1:30pm
FLYERS, LETTERS AND MAILING LABELS:
Microsoft WORD 2007 for the Real Estate Professional
Create property flyers, client letters and mailing labels for
mass mailings. Save and find new documents, insert photos,
add borders, change fonts. 4 hours hands-on (1 meeting)
PREREQUISITES: Computer Essentials or equivalent,
some MS Word. NO CE AVAILABLE.
Jackson Heights. . Apr 1 . . . . . . . . . . . . 10:00am – 2:00pm
West Babylon . . . Jun 16. . . . . . . . . . . . 9:30am – 1:30pm
LISTINGBOOK TOOLS FOR PREMIUM
CUSTOMER SERVICE
E-MARKETING AND CONTACT MANAGEMENT
USING MICROSOFT OUTLOOK 2007
Listingbook is a FREE tool that empowers agents to offer an
enhanced real estate experience to consumers by giving them
an account into a secure website for communications, searching, identifying favorite listings and allows sellers to see how
often their property has been viewed. This hands on course
will get you started using this revolutionary product and covers
the following functions: creating buyer/ seller accounts, picking specific listings for consumers, daily Morning Report, setting property watches and notes for your consumers and
more. Must have active Stratus login to use the product.
Approved for 7.5 Hours CE Credit
$75 LIBOR Members/$95 Non Members
Ask About These $avings!
Woodbury . . . . . . Feb 10, Feb 26, Apr 3. . 9:00am – 5:30pm
May 12
West Babylon . . . Feb 25, Mar 24, May 4. . 9:00am – 5:30pm
Jun 13
Jackson Heights. . Feb 25, Apr 14, May 27. . 9:00am – 5:30pm
Riverhead. . . . . . Mar 19, May 13 . . . . . 9:00am – 5:30pm
Learn how to set up Outlook Today, change Views, manage EMail inbox, create folders, set up multiple signatures, create
and manage Contacts categories and filters, create mailing
labels, Calendar, recurring appointments. Does not cover
Outlook Express. 4 hours — NO CE AVAILABLE
Woodbury . . . . . . Mar 5 . . . . . . . . . . . . 10:00am – 2:00pm
West Babylon . . . Apr 27. . . . . . . . . . . . 9:30am – 1:30pm
TO REGISTER FOR GENERAL AND
COMPUTER EDUCATION PROGRAMS:
REGISTER BY TELEPHONE:
631-661-4800 x 21
TO REGISTER ON-LINE OR FOR DIRECTIONS,
VISIT OUR WEBSITE AT MLSLI.COM
17
RSC, WEST BABYLON, 9:00AM-5:30PM
—
—
—
—
RSC, JACKSON HEIGHTS, 9:00AM-5:30PM
2/17 — A Better CMA; Applying the Principles of
Residential Appraising (not a CMA Computer
Course)
2/25 — Home Inspection Survival Guide for Realtors:
Understanding the Process for a Smoother
Transaction
2/27 — Professional Conduct Has Its Rewards✔❋
3/2 — Check Up from Neck Up... A Tune-Up For Agents❋
3/10 — Property Management: Managing 1-4 Family
Homes
3/25 — Counseling Your Buyer Client and/or Customer...
How To Spend Less Time with Buyers & Make
More Money
RSC, RIVERHEAD, 9:00AM-5:30PM
2/13 — Introduction to Commercial & Investment Real
Estate — Concepts & Terms
2/18 — Counseling Your Buyer Client and/or Customer...
How To Spend Less Time with Buyers & Make
More Money
3/3 — Our Business Is Changing; Are You Up To Date?❋
3/6 — Mortgage Knowledge To Save Your Deal
3/11 — Short Sales in Today’s Real Estate Market✔❋
RSC, WOODBURY, 9:00AM-5:30PM
2/9 — Don’t You Wish You Hadn’t Done That✔❋
2/11 — Property Management: Managing 1-4 Family
Homes
3/24 — Disclosure — Insulation from Litigation:
Safeguards & Precautions❋
3/31 — Introduction to Commercial & Investment Real
Estate: Tools of the Trade
BEST WESTERN MILL RIVER MANOR,
ROCKVILLE CENTRE, 8:30AM-5:00PM
2/13 — Commission Entitlement, Protection & License
Law❋
2/19 — Buying Listing & Selling Foreclosures
2/24 — Our Business Is Changing; Are You Up To Date?❋
3/3 — Consumer-Based Marketing
3/12 — Commercial Real Estate: All About Leases
✔ APPROVED FOR 3 HOURS OF FAIR HOUSING TRAINING AS
❋
REQUIRED BY DEPT. OF STATE FOR THOSE RENEWING THEIR
LICENSE AFTER 7/1/08.
ALSO APPROVED FOR AND SATISFIES NAR MANDATED ETHICS
COURSE REQUIREMENT FOR REALTORS NEEDED BY 12/31/12.
LICENSING
75-HOUR SALESPERSON
QUALIFYING COURSES
Jackson Heights . 9AM – 5:30PM . . . . Feb 2-6, 9-12, 13*
Woodbury . . . . . 9AM – 5:30PM . . . . Feb 17-21, 23-26, 27*
West Babylon . . . 9AM – 5:30PM . . . . Mar 2-6, 9-12, 13*
Woodbury . . . . . 9AM – 5:30PM . . . . Mar 9-13, 16-19, 20*
Riverhead . . . . . 9AM – 5:30PM . . . . Mar 23-27, 30, 31,
Apr 1-3*
*Exam date till 6:30PM
TUITION:
SALESPERSON: $295 – register 5 business days before
course; $325 – thereafter.
BROKER: $175 – LIBOR Members; $195 – Non-members.
45-HOUR BROKER QUALIFYING COURSES
West Babylon . . . 9AM – 5:00PM . . . . Feb 9-13, 17, 18*
Jackson Heights . 9AM – 5:00PM . . . . Mar 16-20, 23, 24*
Woodbury . . . . . 9AM – 5:00PM . . . . Apr 27-May 1, 4, 5*
ROOKIE NEW AGENT TRAINING COURSE
CEA TRAINING PROGRAM
Approved for 7.5 hours NYS CE credit. This course
assists new agents in launching their career in the real estate
profession. You will learn how to start listing & selling effectively, work with customers & clients, prospect, market &
overcome objections, negotiate effectively to close the sale,
work within the guidelines of the law & REALTOR® Code of
Ethics & MLS Rules, control your success!
Mar 11-13 . . . . . . Jackson Heights . . . . . 9:00AM – 1:00PM
Apr 6-8 . . . . . . . . West Babylon . . . . . . . 9:00AM – 1:00PM
TUITION:
w/o CE
with CE
LIBOR Licensing Students/Members . . .$25 . . . . . .$65
Non-members . . . . . . . . . . . . . . . . . . . .$150 . . . . .$215
3.75 NYS CE Credit Approved. New Commission Escrow Act
- Understanding the RealtorsE and the Public’s Obligations and
Protections — The Commission Escrow Act goes into effect on
January 1, 2009! This course will provide you with an overview
of the new law, the requirements Realtors must follow to get the
benefit of the Act, the necessary paperwork that must be filed,
how to file it and how to fill it out, and important timeframes you
must know about. Receive answers to all your CEA questions
and learn what you must do to protect your commissions.
WEST BABYLON
JACKSON HEIGHTS
Feb 13. . . . 9:00am-1:00pm
Feb 26. . . . 9:00am-1:00pm
Feb 21. . . . 9:00am-1:00pm
Feb 28. . . . 9:00am-1:00pm
Feb 27. . . . 1:00pm-5:00pm
Mar 9 . . . . 9:00am-1:00pm
30-HOUR REMEDIAL GAP COURSE
WOODBURY
Feb 6 . . . . 9:00am-1:00pm
Feb 10. . . . 9:00am-1:00pm
Feb 10. . . . 2:00pm-6:00pm
Mar 7 . . . . 9:00am-1:00pm
Approved for 22.5 hours NYS CE credit. Passing the exam
at the conclusion of this course is necessary to receive a completion certificate and receive 22.5 credits towards your license.
If you have not done so, after completing this course, you will
still need to complete 3 hours of approved fair housing training
before renewing your license as required by Dept. of State.
Feb 7, 8, 21, 22, 28*. West Babylon. . . . . . . 9:00AM – 5:00PM
Weekends
Mar 16-19, 20* . . Riverhead . . . . . . . . . 9:00AM – 5:00PM
Apr 20-23, 24*. . . Woodbury . . . . . . . . . 9:00AM – 5:00PM
TUITION: $125 LIBOR Graduates — Register 5 business
days before course; $135-thereafter
$145 Non-members — Register 5 business
days before course; $155-thereafter
REALTOR SHORT SALE CERTIFICATE
PROGRAM
Approved for 15 hours NYS CE credit. All you need to
know to effectively execute a short sale transaction.
Feb 23-24 . . . . . . West Babylon . . . . . . . 9:00AM – 5:30PM
Mar 25-26 . . . . . . Woodbury . . . . . . . . . 9:00AM – 5:30PM
Apr 27-28 . . . . . . Best Western East End . 9:00AM – 5:30PM
Hotel, Riverhead . . . . . 9:00AM – 5:30PM
TUITION: $175 LIBOR Members, $225 Non-members
INSTRUCTORS: Cathy Nolan Esq. & Philip Tesoriero
Satisfies 3 hours of Fair Housing training as required by Dept. of
State (on second day of class). Satisfies 2.5 hours of Mandatory
Ethics training as required by NAR (on second day of class)
MAKING MORE MONEY WITH MORTGAGES
Approved for 22 1/2 hours NYS CE credit. This course is
for real estate agents & brokers who are seeking the ability to
legally participate in the mortgage industry, mortgage companies wanting to train new loan officers and real estate agents
wanting to learn more about the mortgage process.
Feb 18, 19, 20 . . . Jackson Heights . . . . . 9:00AM – 5:30PM
Apr 1, 2, 3 . . . . . West Babylon. . . . . . . 9:00AM – 5:30PM
INSTRUCTOR: Dominick Sutera
FAIR HOUSING AWARENESS IN SALES
& RENTALS
Approved for 3 hours of Fair Housing Training as required by
Dept. of State for those renewing their license after July 1, 2008.
A revision to Section 441 of the Real Property Law now requires
all real estate licensees who are renewing their license on or
after July 1, 2008, to complete 22.5 hours of approved continuing education, three hours of which must include fair housing.
This course satisfies that 3-hour requirement. (This new law
does not apply to those exempt from the CE requirement.) This
fair housing program is guaranteed to provide you with insight
for applying the law to “real world‰ real estate.
Feb 26. . . . Jackson Heights . . . . Instructor: Don Scanlon
Mar 23 . . . Woodbury . . . . . . . . Instructor: Nick Gigante
TIME: 2:00PM – 5:00PM
THE RULES OF THE REAL ESTATE GAME
— MLS PROCEDURES & RULES:
SITUATIONS AND SOLUTIONS
Approved for 3 hours NYS CE credit. Effective participation
in the MLS directly impacts your earning ability and helps you
avoid penalties and violations. Topics covered include how to
properly fill out agreements, getting offers presented, handling
multiple offers, registering binders, follow-up to protect yourself
and much more. This course is important for new agents!
Mar 31 . . . . . . . . Jackson Heights . . . . . 9:30AM – 12:30PM
May 27. . . . . . . . Woodbury . . . . . . . . . 9:30AM – 12:30PM
Jul 30 . . . . . . . . Riverhead . . . . . . . . . 9:30AM – 12:30PM
RIVERHEAD
Feb 9 . . . . 9:00am-1:00pm
Feb 9 . . . . 2:00pm-6:00pm
Feb 19. . . . 9:00am-1:00pm
Mar 5 . . . . 9:00am-1:00pm
Mar 5 . . . . 2:00pm-6:00pm
NOTARY PUBLIC
NOTARY PUBLIC TRAINING SEMINAR
Want to become a notary but concerned about the exam?
This program prepares by getting you acquainted with the
format of the state exam, receive study booklets, application form and instructions, be familiar with types of questions asked and learn what is expected in order for you to
be confident and prepared to pass the notary exam.
Mar 31 . . . . Jackson Heights May 27. . . . Woodbury
TIME: 1:30PM – 4:30PM
INSTRUCTOR: Sal D’Agate, REALTOR
TUITION: $35 LIBOR Members • $55 Non-members
DESIGNATION & PROF DEVELOPMENT
NEW YORK STATE REALTOR
INSTITUTE
2009 GRI, SRES & ABR DESIGNATION
COURSE OFFERINGS (All NYSAR Classes)
Each module approved for NYS CE credit.
To register for GRI courses, call NYSAR @ 518-463-0300.
WEST BABYLON • 8:30AM-5:30PM
GRI 401 . . . . . . Sep 24-25
GRI 406 . . . . . . Nov 5
GRI 402 . . . . . . Oct 5-6
GRI 407 . . . . . . Jun 1
GRI 403 . . . . . . Mar 2
GRI 408 . . . . . . Apr 21
GRI 404 . . . . . . Mar 3
GRI 409 . . . . . . May 4-5
GRI 405 . . . . . . Sep 10
ABR — ACCREDITED BUYER
REPRESENTATIVE DESIGNATION COURSE
Approved for 22.5 hours NYS Continuing Education Credit.
WOODBURY • 8:30AM-5:30PM
R . . . . . . . . . . May 5&6
RI 403 . . . . . . . Oct 26
ELECTIVE . . . . . May 8
RI 404 . . . . . . . Oct 27
RI 402 . . . . . . . Mar 26-27
SRES. . . . . . . . Jun 2-3
CBR — CERTIFIED BUYER
REPRESENTATIVE DESIGNATION COURSE
Approved for 22.5 hours NYS Continuing Education Credit.
Feb 17, 18, 19 . . . . Dante Caterers . . . . . . . Before/After 1/27
Jackson Heights
Mar 3, 4, 5 . . . . . . Woodbury . . . . . . . . . . Before/After 2/10
Apr 21, 22, 23 . . . . Best Western East End . . Before/After 3/31
Riverhead
INSTRUCTOR:
James V. Pugliese, ABR, CRB, GRI, CBR, CSP, ITI, SRES
TIME: 9:00am – 5:30pm
TUITION:
Before: $345 LIBOR Members • $375 Non-Members
After:
$375 LIBOR Members • $405 Non Members
CIPS— CERTIFIED INTERNATIONAL PROPERTY SPECIALIST DESIGNATION COURSE
Presented by LIBOR in conjunction with NYS Assocation of
Realtos. Approved for 7 hours NYS CE credit. To register for
CIPS courses, call NYSAR @ 518-463-0300.
JACKSON HEIGHTS • 8:30AM-5:30PM
CIPS LOCAL MKT. Apr 29-30
RI 406 . . . . . . . Nov 4
RI 401 . . . . . . . Feb 23-24
RI 407 . . . . . . . Oct 1
RI 405 . . . . . . . Sep 9
TUITION: $320 LIBOR Members • $345 Non-Members
REGISTER 10 DAYS EARLY: SAVE $25!
THE REALTOR®
Buyer Brokerage & Ethics: The Right Choices❋
Commercial Real Estate: All About Leases
Real Estate Consulting
Disclosure — Insulation from Litigation:
Safeguards & Precautions❋
3/26 — Buying, Listing & Selling Foreclosures
CONTINUING EDUCATION
●
2/10
2/26
3/9
3/17
●
REAL ESTATE EDUCATION
ATTORNEYS
DIAMOND LAW GROUP – Richard Klein
516.663.5151 • www.diamondlawgroup.com
HOME INSPECTION (CONTINUED)
FEDERATED CONSULTANT SERVICES –
Rich Merritt
800.422.4473 • www.fcsinsp.com
MOVING & STORAGE
LONG ISLAND MOVING AND STORAGE –
Diane Falvo
516.753.1100 • www.longislandmovingandstorage.com
18
●
THE REALTOR®
●
PROFESSIONAL SERVICES DIRECTORY
BUSINESS CAREER
OPPORTUNITIES
COACH REALTORS
631.360.1900 x 201 • coachrealtors.com
DANIEL GALE SOTHEBY’S
516.627.4440 x 222 • www.danielgale.com
ERA TOP SERVICE REALTY
718.441.5800 • www.ERATopService.com
J. PHILIP REAL ESTATE, LLC
914.923.9799 • www.jphilip.com
KEYSTONE REALTY
800.390.8083 • www.joinkeystone.com
PULTE HOMES
631.363.3012 • www.pulte.com/longisland
RE/MAX OF NEW YORK, INC.
516.832.6601 • www.remax.com
CHARLES RUTENBERG REALTY
516.575.7500 • www.crrli.com
WEICHERT REALTORS
800.301.3000 • www.weichert.com
BUSINESS PRODUCTS
LONG ISLAND REAL ESTATE PODCAST –
Bruce Chanoff
516-263-9529 • www.lirealestatepodcast.com
CHIROPRACTIC SERVICES
HOUSE GUARD HOME INSPECTIONS –
Anita Bleier
516.670.9060 • www.houseguardofamerica.com
HOUSE MASTER OF LONG ISLAND –
Matt Kaplan
800.805.1122 • www.longisland.housemaster.com
METICULOUS HOME INSPECTION –
Ray Wilson
631.902.6761 • www.meticuloushomeinspection.com
NATIONAL PROPERTY INSPECTORS
516.662.5050 • www.npi-li.com
SAFE HARBOR HOME INSPECTIONS –
Jim Ruppert
631.275.8080 • www.safeharborinspections.com
FINANCIAL SERVICES
LONG ISLAND REALTORS3 FEDERAL
CREDIT UNION
631.661.4800 x 371 • www.lirfcu.com
INSURANCE/LEGAL
JAY S. GOOTENBERG
Office: 631.325.9107 • Cell 516.322.7143
RESSI Listingbook Errors & Omissions,
Commercial & Personal
INSURANCE PLUS
516.922.1200 • www.insuranceplusny.com
MEDIA
CHIROPRACTIC OFFICES OF QUEENS
(718) 386-7000
LIBOR MEMBERSHIP DIRECTORY
631.661.9126
DR. JOHN D. ROMERO
(718) 782-8159
MLS/LIBOR — WEB SITE
631.661.4800 x 348 • mlsli.com, mlsstratus.com
ENGINEERS
TAUSCHER, CRONACHER PROFESSIONAL
ENGINEERS, P.C.
866.697.7348 • www.NewYorkPE.com
Home Inspections by Licensed Professional
Engineers Since 1957
EXPEDITORS
LONG ISLAND EXPEDITORS –
Dean Koutsoumbis
516-698-0005 • www.longislandexpeditors.com
HOME INSPECTION
A-PRO HOME INSPECTION – Carlos Roldan
516-445-4697 • www.inspectorgadget.us
THE REALTOR3 ADVERTISING
631.661.4800 x 348
MEMBER BENEFITS
NYSAR
518.463.0300 x 229 • www.nysar.com
MORTGAGES
AMB FUNDING – Arthur Brasco
866.775.5212
PERSONAL FINANCE
COMMISSION EXPRESS – Dino Liso
718.847.8600 • www.commissionexpress.com
PROMOTION/DESIGN
DSI DESIGN GROUP
516.676.6089
REAL ESTATE FORECLOSURES
FORECLOSURE UPDATE
516.487.6491 • www.newyorkforeclosures.com
REMOVAL SERVICE
1 800 GOT JUNK – Paul Spateri
631.265.3608 • www.1800gotjunk.com
TECHNOLOGY
MLS PRODUCTS & SERVICES
631.661.4800 x 11
MLS TECH SUPPORT SERVICES
631.661.TECH
TITLE SERVICES
ATLANTIS LAND SERVICE
516.487.3635 • www.atlantislandservices.com
LUXURY TITLE AGENCY SHAWN ELLIOTT
516.864.3025 • www.luxurytitleagency.com
TRAINING
NYREALESTATECONFERENCE.COM
800-359-3905 • www.NYRealEstateConference.com
VIRTUAL TOUR
VIRTUAL TOUR GROUP – Mazdak Hobbi
888.440.5730 • www.virtualtourgroup.com
BEST RATE CAPITAL – Nathan Baram
631.360.0003 • www.bestratecapital.com
GREAT NORTHERN MORTGAGE – Igor Noble
516.567.2076 • www.getlowrate.com
WELLS FARGO HOME MORTGAGE
631.752.5074 • www.wellsfargo.com
THE SERVICES DIRECTORY IS PROVIDED AS
AN ADDITIONAL SERVICE.
THE PUBLISHER DOES NOT ASSUME ANY
LIABILITY FOR ERRORS OR OMISSIONS.
GET THE EXPOSURE YOUR COMPANY DESERVES…
Call Us…Place Your Ad…Grow Your Business!
Advertise your company in “The REALTOR®” paper PROFESSIONAL SERVICES DIRECTORY.
Rates starting as low as $100 per issue. Call Donnalee at 631-661-4800 Ext. 348
for more information on this affordable advertising opportunity.
PARKI
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Workshop: 9:30 AM- 4:45 PM
Tuition: $125
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THE REALTOR®
Queens Village, NY
●
Antun's
Antun
Ant
t
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n
s
96-43 Springfield Blvd.
G
FREE
●
Thursday, February 26, 2009
19
NY REAL ESTATE CONFERENCE
There’s no more powerful vehicle to take
you where you want to be than RE/MAX.
Whether it’s more advertising, more Internet Leads, or more advanced educational
opportunities through our exclusive TV satellite network - RE/MAX leaves all the
competitors in the dust.
This year alone, RE/MAX agents will spend more than $1 billion promoting their
listings, themselves and the RE/MAX name. Every one of those dollars will benefit
every other RE/MAX Agent in the system.
Brand matters. That’s why RE/MAX agents average more sales than other real
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Whether you are a seller, buyer or independent real estate agent, reward yourself
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RE/MAX is the nation’s No. 1 real estate franchise - and the No. 10
franchise overall - according to Entrepreneur magazine’s 29th
Annual Franchise 500 survey.
Clementine Becker
Mary Becker
Arlene D. Beckles
Sharon O. Beckles
Roberts
Harmeet S. Bedi
Kevin C. Bednar
Ambica Beepath
Linda R. Beggs
Paramjit S.
Begowal
Julia R. Bejarano
Bella Bekker
Helene A. Bekritsky
Stephanie R.
Belanich
Helen Belesis
Gerdy Beleut
Susan N. Belgrave
Audrey Bell
Craig Bell
Renah R. Bell
Karin L. Bellamore
Catherine Belle
Luisa Belletti
Michael Bello
Sandi M. Bellucci
Henry Beltran
Lizette Beltran
Jesus N. Benavides
Corinne
Bencivenga
AnneMarie Bender
Belinda G. Bender
Robin Bender
Rachel Benedetti
Carol A. Benedetto
Mary F. Benedetto
Patricia A.
Benedetto
Shari L. Benmen
Andrew Benners
Barbara Bennett
Lillian R. Bennett
Jose M. Bentancur
Joaquin A. Benzant
Lynn Anne
Berbenick
Chrysoula Bercetis
Mishelle M. Berger
Calo
David G. Bergmann
Ellen Berkowitz
Robert J. Berlinski
Stacy Berman
Bernadin Bernard
Yvonne L. Bernard
Elaine S. Bernstein
Manuel Bernstein
John Berookhim
Richard Berscak
Linda Bertino
Kim M. Bertolino
Loretta Bertucelli
Mohamed Bessai
Thomas K.
Bettenhauser
Diane Betz
Ghassan N.
Beydoun
Nancy Beyrer
Ruzanna Bezjian
Anand K. Bharat
Gita Bhattacharji
Prithipal S. Bhatti
Bhola Bhikham
Leonora A. Bianco
Robert J. Bianco
Silvio Bianco
Steven Bianco
Stacy A. Bibbo
Jeffrey R. Biegel
Eythemia E. Bifulco
Nora N. Bily
Georgina P. Binder
Chris Biniaris
Gabrielle Binler
Domenic V. Biondi
Wartanoosh
Biramian
Marc Birbal
Wendie S. Birdsell
Branko B. Birovcec
Theresa A. Birt
Peter L. Biscardi
Blanca H. Bisharah
Irma Bishay
Gabriele Bishop
Janet R. Bishop
Mary A. Bishop
Robert P. Bishop
Nainsingh Bist
Ronald A. Biswas
Samarendra
Biswas
Angela M. Bitsimis
Richard Bitzer
Dawn Bjertnes
Lomauro
Kelly A. Blaine
Suzanne K. Blair
Jean Pierre Blaise
Brian R. Blake
Michael I. Blake
Ann C. Blanco
Grace Blank
William Blau
Alice A. Bleier
Sharlene Bleier
Bart A. Bleiweiss
Raynald J. Blemur
Robert Blomquist
Laura A. Bloom
Maria Blosse
William E. Bluemel
Gail Blumenstein
Lavarn G. Blyden
Michele Bocchichio
Richard D.
Bocchieri
Christopher J.
Boeckhaus
Jan Karel Boersma
Jo Ann Boettcher
Ronald M.
Boettcher
Ana Bogdan
Jeffrey Boim
Judith M. Bokstrom
Elyssa R. Bolton
Judy L. Bolton
Gerrard
Victor Bommarito
Gary S. Bonanno
Lucille Bonanno
Russell Bonanno
Veronica A.
Bonanno
Agnes Bonas
Michelle
Bonavitacola
Michele L. Bondy
Alba M. Bonfilio
Mary Bongiorno
Pinuccia M.
Bongiorno
Ernest F. Bonifazio
Claudia Bonilla
Pablo S. Bonilla
Darla J. Bonner
Xiomara Y. Bonnet
Sharon M. Bonny
Lisa Bonomi
Funsch
Marilyn Bonsignore
Brent R. Bookmiller
Donna K. Borchick
Nancy M.
Bordeman
Lester Borenstein
Eileen Boretz
Elias Borjas
Mark Borkowski
Helena A. Born
Joseph B. Born
Sergey Borohov
Annette J. Borras
Cathy Boskoff
Barbara A. Bosse
Carano
Gail R. Botchler
Maya Botier
Assuntina Botticelli
Bonnie L. Botto
Madalyn J. Bottone
Webert Boucicaut
Evangelia
Boudourakis
Todd Bourgard
Betty B. Bouziotis
Leila Bouzourene
Diane M. Bownes
Karen R. Boyd
Karlief Boyd
Vishwanauth
Boywah
Donald G. Bracken
Diane Braden
Dennis P. Brady
Margaret M. Brady
Winnie Brady
Sandra Braga
Alfonso
Renita R. Braham
John F. Branca
Samantha K.
Branch
Susan M. Brand
Audrey K. Brandt
Melissa L. Brandt
Lindsay A.
Brannigan
Nancy Brannigan
Beverley T.
Brathwaite
Mavis Y. Brathwaite
Albert Brayson
Sean M. Breaton
David Brecher
Cory S. Breines
Nancy A. Breitbarth
Linda E. Brennan
Maureen Brennan
Richard J. Brennan
Marie W. Breslin
Maureen A. Breslin
Rachel Breslin
Gaimo
Lillian R. Bretone
Maria Breyer
August F. Bricker
Dominick Brienza
Joseph A. Brigandi
Edison S. Briones
Marie C. Briscoe
Max Brittain
Sophia B. Brivio
Patrice Brocco
Vernette J.
Brockington
Eileen Brod
Samantha Brodar
Patricia C. Brogan
Carol Bromm
Frances Broncatello
Elizabeth F.
Bronfman
Peter D. Bronson
Eric W. Brooks
Andrea Brovetto
Angela E. Brown
Icyline Brown
Jacqueline A.
Brown
Kelly A. Brown
Maryann Brown
Consuela Brown
Wilson
Eva Browne
Randolph Browne
Miriam J. Browning
Patricia Brownstone
Carolyn E.
Bruccoleri
Elton A. Bruce
Winston Bruce
Linda Brunning
Frank Bruno
Joseph T. Bruno
Pierre Fritz Bruno
Robert Bruno
Rose Mary Bruno
Stephen A. Bruno
Craig E. Brunswick
Thomas Brusca
Michael R. Bruscino
Rose Bruscino
John M. Brutus
Jennifer A. Bruyne
Elizabeth Bryant
Teresa J. Bryant
Grace B. Bryson
Stephanie Bryson
Frederick T. Bubeck
Valerie Buchbinder
Joan V. Buckley
Timothy Buckley
Glenn C. Bucknor
Judith K. Buckridge
Sydney Bucovetsky
David J. Budhan
Vanessa Budhu
Esmilda Buezo
Anthony P. Buffalino
Hong Loan Buist
Rosanne Bullaro
Laura J. Buonocore
Joan M. Burbes
Rodrigo Burciaga
Margarita Burgos
Diane Y. Burke
Loraine Burke
Peter K. Burke
Kristan G.
Burlingame
Danny A. Burner
Brenden E. Burns
James M. Burns
Frederick Burrell
Jennifer C. Burzo
Wendy S. Busby
Denise Buscher
Kenneth J.
Busching
Nancy Bush
Zillah A. Bush
Claire Bushey
Charles W. Busk
Tiffany D. Busto
Anastasiya Butikis
Dana A. Butler
Paul J. Butler
Melvin Butow
Muhammad Z. Butt
Nasir A. Butt
Gina Buttafoco
Robert C.
Buttafuoco
Ursula Buttafuoco
Adam M. Butter
Lena S.
Buyuksakayan
Carol A. Bycel
Nelson N. Byfield
Carson J. Byrne
Daniel P. Byrne
Denise M. Byrne
John R. Byrne
Michael J. Byrne
Helen W. Byrne
Whitehead
Patricia D. Byrnes
Hyo S. Byun
Margaret A.
Bzdewka
Veronica A. Bzura
Cesar A. Caamano
Maria Caba
Irene R. Cabangon
Frank Cabrera
Miguel A. Cabrera
Christine Cadavid
Tricia K. Cadicamo
Slavens
Antonio Cafarelli
James A. Cafarelli
Leticia A. Cafaro
Kelly A. Cafiso
Carol A. Caggiano
Lori Caggiano
Le Miao Cai
Patricia Caiola
Linda M. Calabrese
Patsy T. Calabrese
Thomas J.
Calabrese
Vincent J.
Calabrese
Henrietta
Calandrino
Dawn M. Caldera
Alex Calderon
Jesus Calderon
Luz Dary Calderon
Denise A.
Calderone
Jacob L. Caldwell
Paul L. Caliguri
Lydia Caliolo
Virginia Calise
John D. Callaghan
Bridget Callahan
Dawn J. Callahan
Margaret T.
Callahan
Patricia Callan
Ferrannini
Frenel Calonge
Pierenzo A.
Calosso
Celia Camacho
Michael J.
Camastro
Sheri M. Cambareri
Adelinda Cambi
Kathleen
Camellerie
Andrew J.
Cameron
Samuel Camhe
Sandra J. Camiolo
Sylvester Camiolo
Darleen A.
Cammarata
Jean M. Campagna
Susan C.
Campagna
Veronica G.
Campaniello
Jeanne Campbell
LeLonni Campbell
Sherri L. Campbell
Patricia A.
Campbell
Philbert
Frank P. Campo
Vincent A. Canale
Athena Tina
Canaris
Kim M. Canavan
Kevin J. Canberg
Caroline T.
Cancellare
Maribel Cancelliere
Arpi Candan
Lisa A. Candela
Paul A. Candeletti
Ruben Candia
Felixberto V.
Canieso
Virgilio J.
Cannatella
John Cannella
Linda Canner
Kathleen A. Cannet
Frank G. Cannistra
Brian Canny
Tatiana Cano
Richard C.
Cantalupo
Rose Marie
Cantanno
Renee C. Cantos
Patrick J. Canty
Zheng Yan Cao
Jacinta N. Capelo
Gina M. Capitelli
Yvonne M. Capo
Carmine
Capobianco
Allison Capone
Mary Capone
Maureen G.
Cappelli
Patricia Cappo
Allegra Capra
Mindy M. Capra
Philip M. Capra
Maria Caprdja
Lisa R. Capri
Ellen T. Caprino
Michael Capul
Mauro Caputi
Michael W. Caputo
Michelle Caputo
Strull
Christopher A.
Caquias
Edmund Carbon
Doris Carbonaro
Craig S. Carbone
Daniel M. Carbone
Robert Carcamo
Sandra L. Carcamo
Jeanine M. Cardella
Christina M.
Cardinale
Donielle Cardinale
McKinno
Maria A. Cardino
Eileen Carey
James C. Cariello
Joseph F. Carini
Elizabeth S. Carl
Mirian P. Carlech
Anna Carlino
Brigid Carlino
Joanne C.
Carmignani
James M. Carney
Marilyn M.
Carpenter
John P.
Carpenzano
Debra L. Carpluk
Kate Carpluk
Debra A. Carr
Kim D. Carr
Maria Carrasquillo
Lyonel Carriere
Robin J. Carroll
Daniel F. Cartagena
LeVar D. Carter
Reginald L. Carter
Beth M. Carucci
Toni Anne Carulli
Christine J. Casa
Anthony A. Casale
Maria CasasusMcEntee
M. Teresa Casazza
Karen J. Cascio
Patricia A. Casella
Yenny Casella
Andrea M. Casey
Bonnie Lee
Cashmore
Agnes M.
Casottana
Sharon W. Cass
Robert J.
Cassandro
Joseph Cassaro
Gerda D. Casseus
Wendy S. Castaldy
Linda J. Castellano
Cherry M. Castellvi
Viviana Castilla
Giovanna Castilletti
Cesar G. Castillo
Antoinette Catalano
Leslie A. Catalano
Robert B. Catalano
Steven Scott
Catalano
Maureen
Catalanotto
Marie Catanzano
Carole Ann
Catapano
Teri Catapano
Black
Christina Catarelli
Costas Catechis
Melody B. Caton
Phyllis G. Cattano
Philip J. Cavalcante
Maria A. Cavaliere
Joseph F. Cavallo
Nicola R. Cavallo
Sheila Cavallo
Michael A.
Cavalluzzo
Terence M. Cavill
Carolyn M. Ceglia
Robert W. Ceilly
Joanne Celauro
Octavien Celestin
Kathleen A. Cellura
Applegate
Derik J. Cenci
Pia A. Cento
Deborah Ceparano
Roberta A. Cerasi
Robert E. Ceroni
Madeline Cerrato
Rose Mary Cerrato
Lisbeth Certa
Jessica M. Cervini
Claudia Cesare
Cecylia Chaber
Jaime E. Chacon
Michael M. Chakrin
Cynthia R. Chalfin
Rosy Chalif
Allen W. Chan
Ana C. Chan
Angela Chan
Anthony Y. Chan
Henry M. Chan
Hoi K. Chan
Julie I. Chan
Kei Chon Chan
Lap S. Chan
Mo Ling Chan
Suet M. Chan
Virginia Chan
Yong Yu Chan
Juliet Chand
Khamechand
Chandebal
Sobdar Chandio
Benjamin Y. Chang
Chaolung Chang
Hsiu Ching Chang
Jai Lyn Chang
John Y. Chang
Michael Chang
Paul Chang
Shu Jung S. Chang
Brenda C.
Chapman
Siripha Chariton
Ina Charkow
Susan Charles
Lainie Charmatz
Robert Chartuk
Jagdaysh
Chatarpal
Tuan A. Chau
Jose Chauca
Shaukat A.
Chaudhry
Cecilia Chaug
Sunita Chauhan
Armando E.
Chavez
Carmen M. Chavez
Margarita Chavez
Arelene Chavis
Bao Xian Chen
Chao Chen
Feiyi Chen
Guihua Chen
Guo Q. Chen
Haiying Chen
Huang Lun Chen
Jenny Y. Chen
Jun R. Chen
Jun Chen
Kong Xian Chen
Lin Lin Chen
Lina Chen
Mei Chuan Chen
Mei Yun Chen
Min H. Chen
Qunlin F. Chen
Robert Chen
Saiyan Chen
Sharon Chen
Sheng Chien Chen
Shuehli Chen
Xiu Q. Chen
Yi Quan Chen
Ying Chen
Zi Feng Chen
Zi Hui Chen
Christopher
Chenery
Alberta Cheney
Andrew K. Cheng
Chi Nor Cheng
Michele Cheng
Michelle H. Cheng
Myra A. Cheng
Siu Lung Cheng
Steven H. Cheng
Tang Cheng
Annemarie
Chernack
Emily S. Cherson
Charles E.
Chesebrough
Nancy M. Chester
Richard J. Chester
Kumal A. Chetram
Kwan T. Cheung
Kwan Hoi Cheung
Hai Zhen Chi
Xuejun Chi
Pei P. Chiang
Debra A.
Chiappetta
Gail D. Chiappino
Garret P.
Chiaramonte
Patricia
Chiaramonte
Anna Chiarelli
Traci Chiarello
John Chiarovano
Chih Heng Chin
Hetty C. Chin
Jacinda Chin
Spencer D. Chin
Theodora L. Chin
Yueh Er Chin
Belinda M. Chin
Woo
Marina Chiotis
Jennifer Chiu
Siu Y. Chiu
Joyce V. Chiulli
Hayley Cho
Ran S. Cho
Eun S. Choi
Me Young Choi
Sunnie H. Choi
Esther H. Choo
Neetu Chopra
Melissa Chow
Xi J. Chow
Muhammad L.
Chowdhry
Javed M.
Chowdhury
Sirajul I. Chowdhury
William Christensen
Joanne
Christoforou
Hetty S. Chu
Jason N. Chu
RicaVictoria
Chuachingco
Man Mei Chuang
Margaret
Chugkowski
Lih P. Chui
Julie Chun
Henry Chung
In Chung
Wook Chung
Jamwant
Churaman
Gina Ciambrone
Grazian
Mark Ciano
Linda Ciavarelli
Anthony J. Cicio
Gina L. Cicio
Susana Cid
Richard R. Cifarelli
Dominick A. Cilmi
Nancy Cimilluca
Robert D. Ciminelli
Barbara Ciminera
Rowena M. Cinar
Michael A. Cincotta
Evamarie J. Cinque
Hedy G. Cintron
Joann Ciorciari
Deneen A. Cirruzzo
Frank Ciuffo
Loraine A. Ciuffo
Cassandra J.
Claiborne
Sean Clancy
Carol A. Clark
Craig E. Clark
Joseph M. Clark
Alvin Clarke
Jeanne Clarke
Abigail M. Clarke
Curry
Ocelia Claro
Awilda V. Claros
Bertha A. Claros
David A. Cleaves
Wilma L. Cleofas
Jane M. Clifford
James K. Clifton
Carol G. Clinton
Traci C. Clinton
Cynthia K. Close
Elaine V. Close
James J. Clyde
Laura M. Cochran
Horace G.
Codrington
Joan H. Cody
Mary A. Coffas
Patricia G. Coffey
Denise Coghill
Cindy N. Coglievina
Cookie Cohen
Doris Cohen
Eli A. Cohen
Guylene A. Cohen
James M. Cohen
Jesse B. Cohen
Jonathan F. Cohen
Marilyn Cohen
Marion Cohen
Peter J. Cohen
Stephen J. Cohen
Susan M. Cohen
Katherine Coladner
Lance Cole
Lucero Cole
Rachel Cole
Ann M. Coleman
Michael J. Coleman
Patrice Coleman
Teresa Coleman
Joyce T. Coletti
Nancy E. Coletto
Eileen Collini
Bernadette Collins
Lisa Collins
Lloyd F. Collison
Connie Collura
Jennifer J. Colombo
Gustavo E.
Colorado
Glenn Colson
Jennifer M.
Coluccio
Terry K. Comacho
Scott E. Comer
Linda Commander
Antonio J.
Comparetto
Manon P.
Compitello
Anthony P.
Comunale
Michael C.
Comuniello
Anne M.
Concannon
Gerald F.
Concannon
Richard Conde
Robert Condon
Geraldine Condy
Paul A. Conforti
Joseph Congedo
Ralph L. Congello
Maxine M. Conlin
Jamie B. Conlon
Silverman
Eileen B. Connolly
Kimberly Connolly
Moira R. Connolly
Winifred Connolly
Carlson Connor
Christine E. Conroy
James J. Conroy
Joyce Consi
Barbara C.
Constantinides
Angelo Conte
Antoinette Contino
Margaret R.
Contreras
Elizabeth A.
Convey
Purcell M. Conway
Bridget M. Cook
Richard T. Cooke
Susan E. Cools
Fara Copell
Laura Copersino
Patricia Coppola
Victoria A. Corabi
David D. Corbett
Theodore Corbett
Maryann Corcoran
Joseph Cordani
Eva Cordero
Pedro A. Cordero
Edward J. Corliss
Don L. Cornelius
Jodi E. Cornelius
Albert P. Cornella
Sophia Cornish
Elizabeth Corona
Joseph A. Corona
Michael E. Corr
Silvia L. Corrales
Barbara A. Corrao
Montserrat Correa
Melissa Correa
Borger
Dawn Correira
Tiffany Corriente
Donato Corso
Eileen Corso
Edith Cosban
Iserman
Ana M. Costa
Ione O. Costa
Joseph A. Costa
Santiago Coste
Andrea L. Costello
Anne Costello
Belbina E. Costello
Catherine R.
Costello
Edmund P.
Costigan
Robert J. Cotrone
George P.
Cotsonas
Vaughan M.
Cotsonas
Anthony S. Cottone
Craig A. Couch
Marie A. Coury
Doreen T. Couso
Douglas T. Coville
Roberta D. Coward
Roberta Cowen
Carole Cox
Zulima A. Cox
Ellen F. Crescenzo
Miriam E. Crespo
Raymond M.
Cretter
Karen Crichlow
Joseph V. Crifasi
Marissa L. Crifasi
Sal J. Crifasi
Salvatore Crifasi
Adam C. Crockett
Jeromita M. Cronau
Cynthia L.
Crosthwaite
Kevin C.
Crosthwaite
Julia A. Crowley
Philip M. Crowley
Charles A. Cruse
Robert L. Cruse
Luis G. Cruz
Pedro Cruz
Roger Csajko
Juan J. Cuadrado
Michael A. Cuellar
Ana M. Cuervo
Jessica A. Cuevas
Rosemary A.
Culhane
Anna Cummings
Maria C. Cunneen
Patricia Curci
Anthony C. Curcio
Cristobal J. Curis
Adrian J. Curran
Ann Curran
Carolyn F. Curran
Elizabeth M. Curran
Janet I. Curti
Christine Cush
Lora Cusumano
Augustin Cutaj
Ana M. Cuzzone
Michael J. Cwik
Anne M. Cybriwsky
Peter D. Cylvick
Denise A.
Czarnecki
Anna Czerwinski
Querino M. D’Abreu
Adriana D’Adamo
Barrows
Santo D’Agate
Charles J.
D’Agostino
Michael
D’Ambrosio
Deborah L.
D’Amore
Janet S. D’Amore
Mario D’Amore
Marie P. D’Ascoli
Andrea T. D’Eloia
Martin A. Dabao
Joan V. DaCorta
Fumento
KorenKwag Dafni
Toni A. Dagata
Amy L. Dagger
Ruben Daglyan
Samuel DaGrossa
Christine R.
Daidone
Brian Daleo
Laura J.
Dalessandro
Janice M. Dalessio
Gloria Dallal
Eileen Daly
Deanna M.
Damelio
Linda DAmico
Tina L. Damico
Camille G. Dandola
Marsha M.
DAndrea
Prithvi R. Dandu
Christian DAngelo
Eileen M. Daniel
Patricia G. Daniels
Scott D. Daniels
Maureen A.
Danilczyk
Christine M. Danna
Dominic G.
Dannunzio
Phillip Dantoni
Huong K. Dao
Linda G. Darcy
Dawn R. Darish
Margaret A. Darling
Gwendolyn B.
Darrie
Kathleen DArrigo
Sukanta Das
Jonathan Dash
Rabindra Dash
Robert O. Dash
Carlos A. DaSilva
Elizabeth A.
DaSilva
Jennifer DaSilva
Kathryn M. Dassau
Gloria Datlow
Rodlens Dauphin
Desiree Dauria
Betty Davenport
Charles F. Davi
Diane L. Davies
Kirsten E. Davies
Laurie Beth Davies
Dolores Davila
Wagner Davila
Darlene C. Davis
Delois Davis
Gina K. Davis
Janie K. Davis
Michelle Davis
Phyllis Davis
Shawn A. Davis
Stefanie M. Davis
William Davis
Jennifer C. Davis
Einsetler
Matthew R. Daw
Claire D. Day
John A. Day
Ines De La Rocha
Andrea DeAbreu
Carolyn A. Deabreu
Joseph J.
DeAnnuntis
James R. DeBari
Alan DeBlat
Debashish Debnath
Barbara J. DeBold
Darlene Decato
Jolene M. DeCecco
Cleoty A. DeDios
Joseph DeDonato
Janice Deegan
Judy Deegan
Louise F. Deely
Praymnauth
Deendiall
Richetta E. Dees
Joanna DeFiore
Judith DeGioia
Barbara DeGrace
Audrey DeJesus
Joan Helen DeKay
Lori D. Dekie
Esperanza
Delacruz
Kristina Delaney
Patricia M. Delaney
Phyllis Delaney
Nilo A. DeLaTorre
Leslie G. Delboy
Andy DeLeon
Nancy I. Delgado
Shakira V. Delgado
Kathleen T.
DelGaudio
Frank Dell’Accio
Peter Dellaccio
Vincent DellAccio
Michael Dellacona
Rosa P. Dellepiane
Frances I. Dellipaoli
Christopher A.
Delmadge
Frank DeLucia
Theresa A.
DeLustro
Diane J. DeMaio
Joseph F. DeMaio
Anthony J.
DeMarco
Julio DeMarco
Peter S.
Demidovich
Anna K. Demirciyan
Robert Demko
Marina DeNapoli
Starr DeNicola
Michele Denker
Jack Denley
Patrick Dennehy
Annette E. Dennis
Scott C. Dennison
Suzanne DeNoyior
Grace P.
DePasquale
Glenn D. DePuy
Nancy L. DePuy
Brunilda Derby
John F. DeReeder
Ann DeRosa
Louise L. DeRosa
Ralph J. DeRosa
Sandra R. DeRose
Barbara A. DeRuvo
MaryAnn G.
DeSantis
Nancy Deschamps
Serafino DeSimone
Mary Desposito
Jeffrey M. Desronvil
Gloria E. DeStefano
Donna M. Destro
Dolly C. Dethomas
Frank R.
Detomasso
Barbara J. Deverna
Eileen Devine
Sebastiana P.
Devine
Donna DeVito
Joseph A. Devito
Joseph DeVito
Kate Devlin
Sharmila Dewdat
Kissoon Dhanraj
Nancy Di Bernardo
Jennifer L.
Diamond
Myra Diamond
Carlos A. Diaz
Carlos L. Diaz
Diana C. Diaz
Dolores Diaz
Marie Diaz
Milgen Diaz
Naomi Diaz
Thomas
Cindy DiBiasi
Patty DiBlasi
Vincent DiCanio
Brook J. DiCesare
Donna Russo R.
DiCesare
Rosemarie T.
DiChiara
Robert A.
Dickenson
Velma Dickerson
Patrick E. Dickson
Lee DiClemente
Dominick
DiColandrea
Douglas J. Dietz
Ernest J. DiFiore
Lisa DiGangi
Richard DiGeorge
Robin L.
DiGiacomo
Natalie M. DiGioia
Janis A. DiGiovanni
Uri Digmi
Michele A. DiLeo
Rosa DiLiberto
Nina A. Dillon
Patricia M. Dillon
Piero B. DiLorenzo
Sally A.
Dimakopoulos
Joanna R. DiMaria
John DiMaria
Margaret Dimech
Portia C. DiMicco
George Dimitriades
Naoum Dimotsis
Patricia A. DiNardo
Phyllis M. Dinardo
Carl Dincesen
Constantin
Dionysiou
Harry DiOrio
Diane Diot
Andrew L. Dippold
Marilyn P. Dirmeir
Mary DiRusso
Anthony J. DiSpirito
Marion E.
DiStefano
Joseph A. Ditta
Gerard Diviney
Dawn M. DiVisconti
Christine DiVito
Palma M. DiVito
Jeffrey G. Dizon
Josephine G. Dizon
Cezary M. Doda
Kathy L. Dodd
Thomas K. Dodson
Eugene C. Doering
Joseph R. Doering
Blanche Dohan
Andrea L. Doherty
Constance Doherty
Rosemary Doherty
Pat Dolan
Tracy L. Dolan
Gary J. Dolce
Yelena Doljansky
Joseph R.
Dombrowski
Freddy Dominguez
Manuel F.
Dominguez
Dorota Dominiak
Richard H. Domville
Paula Donaldson
Joseph P. Donato
Weilin Dong
Yue Yang Dong
Tashi Dongchu
Bertram F. Donley
Denise D. Donlon
Mary Beth Donnelly
William G. Donofrio
James J.
Donoghue
Anne Donohue
Sabita D.
Doodnauth
James A. Dooley
Janice L. Dooley
Daphnee Doresca
Christopher Dorgan
Mordechai
Dornbush
John F. Dornheim
Bobbie R.
Dorsainvil
John V. Dorsi
Michael J. Dorso
Theresa A. Doscher
Theresa Doscher
Jacqueline M.
Doskoez
Kelly A. Dougan
Annette L.
Dougherty
Joan M. Dougherty
Joanne P.
Dougherty
Paul S. Dougherty
Lisa Douglas
Carol A. Douglas
Ferri
Barbara K.
Dourdounas
Maryanne Dove
Dennis F. Dowd
Tara B. Downing
Kerry T. Doyaga
Carol A. Doyle
Reisa P. Doyle
Thomas J. Doyle
Peter A. Dracker
Eva R. Draeger
Augustina Dragomir
Mary F. Drake
George
Dramintinos
Mary Ellen Drawert
Lori Ann Dredger
Robert H. Dressler
Irene Drettakis
Barbara Drew
Matthew W. Drolet
Matilda Dror
Millie Drosos
Rosilind H. Drukker
Elizabeth Dryjas
Cecilia Duarte
Pedro Duarte
Zeljko Dubroja
Frank W. Duca
Onkar Duggal
Concetta Duggan
Joann M. Dula
Gesner Dulaurier
Nestor Dumlao
Robert A. Duncan
Dawn M. Dunn
Loriann D. Dunwell
Brendon A. Dupont
Lourdes L. Dupuy
Reginald Durham
Cathi M. Durler
Kevin Durst
Paul L. Duthil
Susan M. Dutzer
Doris Duvernoy
Susan Dvoor
Christopher J.
Dwyer
Rosemarie
Dymond
Bartosz D. Dynak
Floyd G. Earl
Jacqueline Eaton
Garland
Judith L. Edge
Dina M. Edmonds
Soyazhe A.
Edmonston
Sooroojnee Edoo
Carol Ann Edwards
Francis J. Edwards
Frank P. Edwards
Jordan M. Edwards
Lisa M. Edwards
Lynda Edwards
John P. Egbert
Lorraine Egloff
Susan Ehrlich
Michael Eichler
George N.
Eindrawis
Donna Einemann
Robert M.
Einemann
Bruce Eisenberg
Harry Eisenoff
Victoria H.
Eisenpresser
Joshua D. Eisinger
Kathleen Eisman
Allan R. Eldridge
Regina M. Eldridge
William J. Eletto
Samira Elfiky
Ellen Elias
Steven A. Elias
Talaat A. Elkaray
Bryn G. Elliott
Janet A. Elliott
Anthony G. Ellis
Dwayne P. Ellis
Liana Ellis
Verelle J. Ellis
Donna Ellswick
Stephen Ellsworth
Jack Y. Elmann
Ermir Elmazi
James H. Elstroth
Kathleen L. Engel
Marcia G. Engelson
Steven A.
Englander
Arthur Englis
Ronald P. English
Ryan M. English
Sylvia A. English
Lisa A. Ennis
Francesca J.
Enriquez
Mary H. Ercolino
Katherine K. Ernst
Lynda Nnenta
Erondu
Denise A. Errigo
Roxana P. Escobar
Miozote C. Espinal
Rosa Espinal
John F. Espinoza
Alysse R. Esposito
Charles A. Esposito
Karen J. Esposito
William Esslinger
Emmanuel Estinvil
Alejandro Estrada
Donna Etergineoso
Janice A. Eubank
Frank Evangelista
Kay E. Evangelou
Andrea L. Evans
Andrew J. Evans
Deborah S. Evans
Joan V. Evans
Josh Evans
Lorraine Evans
Christine Evola
Debra A. Ezra
Johnson S.
Fabelurin
Devin G. Faello
Janice L. Fagan
Kim M. Fagerland
Marianne M. Failla
Mauricio B. Fajardo
Danielle Falco
Judith Falco
Quenida Falcon
Anthony J. Falcone
Beth Ann Falk
Michael R.
Fallacara
Marie Falson
Rocco J. Famiglietti
Marie Fandetta
Michele A. Fandetta
Rick R. Fano
Leigh Fanuzzi
Dawn Marie Farino
Melvyn S. Farkas
Angela B.
Farquharson
Elizabeth Farrell
Joseph J. Farrell
Leola M. Farrell
Kathleen M. Fassler
Christopher R.
Fasulo
Evelyn J. Fasulo
Donna A. Faught
Firdous A. Fazal
Shameer Fazal
Tir L. Fazal
Concetta M. Fazio
Frangoulis
Luisa Fazzalari
Beth E. Feifer
Rita H. Feigenberg
Victor J. Feijoo
Alan C. Fein
Alison B. Feinman
Iris F. Feldman
Peter A. Feldman
Monserrate Felicier
Gene F. Felicio
Janet O. Feller
Hildegard Fenton
William H. Fenton
Robert Feramisco
MaryAnn Ferchland
Anthony D.
Ferguson
Susan Ferguson
Alejandra J. Fermin
Sagrario E. Fermin
Eduardo S.
Fernandes
Christopher E.
Fernandez
Gigi Fernandez
Nicolas Fernandez
Nicole Fernandez
Karen Ferrara
Linda Ferrara
Kristine Ferrara
Pugach
JoAnn G. Ferrari
David B. Ferraro
Edward C. Ferraro
Joseph Ferraro
Katherine Ferraro
Susan Ferraro
Felix Ferreira
Lucille Ferrer
Donna M. Ferro
Joanne Festa
Paul A. Festa
Christopher J. Fiala
Donald E.
Fickenwirth
Joseph Fico
Elmore Fields
Russ S. Fierman
Dana Figliolia
April J. Figueroa
Charles Figueroa
Kimberly J. Filardi
Mary Filippakis
Jill M. Filippetti
Gregory E. Filippi
Gerald R. Fink
Nancy J. Fink
Sharon Fink
Warren M. Fink
Ellyn Finkelstein
Georgianna F. Finn
Lawrence P. Finn
George W.
Finnegan
Patricia Finnegan
Allicyn K. Finneran
Carol R. Finocchio
Christine A. Fiore
Jeanne R. Fiore
Jacqueline Fiore
Mosquin
Larry D. Fiorello
Anna Fiorentino
Joanne K. Fiori
Debra Fiscaletti
James B. Fiscella
Elaine M. Fischer
Laura Fischer
Robert W. Fischer
Carol S. Fishberger
Debra A. Fisher
Debra K. Fisher
Donna M. Fisher
Kathleen A. Fisher
Brian Fishkin
Merle Fishkin
Barbara Fishkind
Stuart R. Fishkind
Heather Fitzgerald
Maria A. Fitzgerald
Maureen P.
Fitzgibbon
Doreen Fitzpatrick
Mary Ann
Fitzpatrick
Marilee N. Flaherty
Maureen F.
Flammer
Marilyn A. Flanagan
Beth Flatow
Joan
Flaumenbaum
Teresa C. Fleming
Jose V. Flores
Karyn Flores
Vickie G. Flores
Adela Flores Mena
Ana O. Florez
William A. Florez
Irene G. Florio
Michael Florio
Nicholas V. Florio
Raminder K. Florio
Brian E. Flynn
Lois A. Fogal
Eleanor Fogel
Peter Foglia
Marisa A. Foley
Kok Wah Fong
Ping Fong
Sinching Y. Fong
Beverly A. Fontaine
Wai Sun Foo
Barbara Ford
Wesley Ford
Ruthann Forland
Dominick P.
Forlenza
Beatrice
Formickella
Susan Forrest
McCartney
Mariana Forsea
Kathleen Forster
Darlene J. Forte
Meghan P. Forte
Grace Forte
Fitzgibbon
Eve Fortunato
Hugh L. Foster
Tory E. Foster
Angelo Foukas
Allen Fox
Celia R. Fox
Dolores F. Fox
Lawrence J. Fox
Paula R. Fox
Sandra Fox
Kellie Fox
Ramalanjaona
Donna Francavilla
Alicia Frances
Gunning
Pauline C. Francis
Barbara L. Franco
Franklin F. Franco
Izzy Franco
Robert Franco
Jean C. Francois
Myrtha M. Francois
Atanasia Franke
Mercia Franklin
Michael R. Franz
Therese A.
Franzese
Jessica L. Frasca
Andrew Fraser
Ian C. Fraser
Yvette D. Frederick
Stacy A. Fredricks
Marie Frei Tuzzi
Laurell P. Frein
Alan A. Freire
Marian Freundlich
Raymond A. Frey
Tracy A. Frey
Vincent P. Frezzo
Nathan Fridman
Georgette C.
Friedman
Keith V. Friedman
Sanford Friedman
Karl H. Friedrich
Riina M. Friedrich
Tina M. Fries
Donna M. Frintzilas
Kathleen F. Frisina
Joseph Frittola
Sally Froccaro
Edna Frohlinger
Susan R. Fromm
Jacqueline Fruchter
Judy B. Fruitbine
Ai Zhen Fu
Eileen T. Fucello
John G. Fucich
Consuelo Fuentes
Miriam Fuentes
Ana L. Fuenzalida
Stacey A. Fuina
Peter P. Fung
Sandi L. Furman
Ala Furmanov
Sandra A. Furno
Nancy Furrevig
Paula Fuschillo
Joan M. Fusco
Richard Fusco
Maria M. Gabriel
Edward A. Gac
Maria B. Gac
Burnie P. Gaeta
Anna Gaetano
Vincenza M.
Gaffikin
Kerrance Gaffington
Christine R.
Gaffney
Ezell C. Gaffney
Palmer Gaget
Antonio C. Gagliardi
Margherita M.
Gagliardi
Lupita M. Gaines
Scott N. Gaines
John Galanis
Edwin Galarza
Stephen Galarza
Ellen P. Galbraith
D Kent Gale
Jose F. Galeano
Lisette Gali
Amnun Galibov
Christina M. Galicia
Catherine A.
Gallagher
David Gallagher
Patricia Gallegos
David L. Galligan
Deborah L. Galligan
Carol Gallo
Turschmann
Adreanne Galvan
Luz Galvan
Rose Gambardella
April M. Gambino
Michele A.
Gambino
Dawn M. Gambler
Massimo
Gammella
Robert J. Gandley
John C. Gandolfo
William B. Gans
Fei Ying Gao
Ke Rong Gao
Yang Gao
Nancy Garafola
John R. Garbarino
Codi G. Garcete
Allen R. Garcia
Debbie R. Garcia
Delia L. Garcia
Isidro V. Garcia
Luis J. Garcia
Martha E. Garcia
Silvia D. Garcia
Beau Gardner
Lawrence M.
Gardner
Qian Liu Garis
Ricki Garito
Alan Garmise
Diane M. Garnjost
John K. Garrison
James Garzon
Robin M. Gasparik
Lisa M. Gassick
Frances B. Gates
Frank L. Gatto
Sheila R. Gatto
Vivian Gattuso
Angeliki Gatzonis
Bryan Gaudio
Teresa Gaudiosi
Edward J. Gaus
Roxanne M Gaynor
Carolyn Gear
Thompson
James Gebbia
John W. Gebbie
Ashraf Gebriel
Stephanie A.
Geffken
Carol Geller
Alla Gelman
Kalliope Gemelas
Lidilia F. Genao
Cuesta
George Genas
Nancianne R.
Genduso
Suzanne P. Genise
Vito A. Genova
Nicholas R. Gentile
Oakley M. Gentry
Carol J. Genua
Glenis H. George
Edwards
Mary Lynn Gerace
Christine M.
Geraghty
Paula Gerber
Maurizio Gerbino
Colin N. Germaine
Asaf A. German
Lawrence J.
Germano
Marie E. Germano
Martha Gerosa
Ellen Gershowitz
Chang Gertner
Kenneth M. Gerus
Kyla M. Gessin
Khasrow D. Ghazi
Maryam
Ghermezian
Sookhyun Ghong
Gary Giacalone
Rene A. Giacobbe
Kiriaki Gialouris
Patricia A.
Giambalvo
Joseph D.
Giammalvo
Maria G. Giamundo
Denise Gianatasio
Christina A.
Giannakopoulos
Nancy B. Giaretti
William M. Gibbons
Arnold H. Gibbs
Carolyn A. Gibbs
Kerry I. Gibson
Rozet Gidanian
Deborah Giglio
Franette Gil
Karen A. Gil
Shoshana Gilaad
Elizabeth M. Gilbert
Monique R.
Gilchrist
Sally Giles
Margaret Gilhooly
Pidala
Christine E. Gill
Rodwin M. Gill
Jennifer M.
Gillespie
Kathleen M. Gillies
Richard A. Gillis
Milton Gilpin
Corinne M. Gimeli
Deena L. Gimeli
Tina M. Ginas
John W. Ginna
Annmarie Giordano
Edmund J.
Giordano
Marissa A.
Giordano
Robert J. Giordano
Susan D. Giordano
John A. Giouvalakis
Annmarie
Giovanniello
Chandradat Gir
Michael N. Giraldo
Gamaliel Girault
Marie Gitlin
Elizabeth Gittens
Ray L. Gittens
Judith L. Giuffrida
Christine Giunta
David C. Gjodesen
Steven H.
Glassberg
Sheldon S. Glatt
Clare Gleason
Michelle K.
Glennon
Heather Glick
Jeremy B. Glick
Sherri A. Glock
Virginia Goddard
Karl E. Goffe
Michelle A. Goffe
Evelyn Renee
Goins
Irene O. Goit
Marianne
Goldacker
Martha Goldberg
Wayne M.
Goldberg
Catherine Golder
Barbara Goldfeder
Arnetta K. Goldman
Yael Goldman
Robert S. Golomb
Dave Golon
Arlindo Gomes
Michelle P. Gomes
Dawn M. Gomez
Linda Gomez
Loretta A. Gomez
Pablo R. Gomez
Paul A. Gomez
Rosemary F.
Gomez
Norma Gomez
Espinal
Luis F. Gomez
Trujillo
Lisa M. Gomolka
Jose P. Goncalves
Thomas R. Gonce
Jennifer M. Gonis
Cristian R.
Gonzales
Darlene Gonzalez
David R. Gonzalez
Edwin M. Gonzalez
Robert Gonzalez
Ruben Gonzalez
Wilbert Gonzalez
Luis J. Gonzalez
Perez
Tracey Goodman
Kristine L. Goodyer
Ginny Goonan
Jay S. Gootenberg
Vishnu Gopaul
Michael J. Goralski
Kerri A. Gordon
Mindy J. Gordon
Stephen J. Gordon
Lloyd B. Gore
Marsha Gorelin
Yardena C. Gorge
Vidyut C. Gosalia
Patricia Gosman
Jo Anne Gouveia
Adrienne M.
Governali
Madeline Gralla
Lydia Grandelli
Diane F. Grannum
Michael A.
Grannum
Freddy R. Grant
Marie C. Grant
Marie R. Grant
Annemarie L.
Grasso
Susan Grasso
Carol A. Grau
Barbara G. Gray
Kevin M. Gray
Michael W.
Graziano
Nancy S. Graziano
Jeanine Grazidei
Annmarie Greck
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Mario J. Lombardo
Christine Lomonaco
Eliot R. Lonardo
Thomas J.
Lonegan
Jeanne A.
Longueira
Laureen Lopacki
Arleen L. Lopardo
Diane S. Loper
Antonio O. Lopes
Idalina Lopes
Alejandro Lopez
Charlane J. Lopez
Clara Lopez
Claudia P. Lopez
Eddison M. Lopez
Juan G. Lopez
Luz S. Lopez
Ricardo J. Lopez
Vanessa Lopez
Marsha E. Lopicola
Marjorie T. Lord
Cheryl Lorefice
Patricia E. Lorenzo
Janice LoRusso
Rose LoRusso
Peggy LoScalzo
Mary R. Losquadro
Sandeep N. Lotlikar
John Lotrijan
Joann Lotterhos
Andrew Louca
Louis F. Louissaint
Mary E. Love
Judith A. Lovecchio
Laura J. Lovejoy
Charles Lovell
Phyllis Loverme
Ina A. Lovett
Joan G. Low
Anselm A. Lowe
Chrysanthe E.
Lowry
Rita J. Lowry
Donna M. Lozada
Cristobal Lozano
Jing Lu
Adel Lubarsky
Anthony Lubrano
Antoinette Lubrano
Lorraine L. Luca
Ciro Lucana
Brenda R. Lucas
Barbara Lucchesi
Charles F. Lucchesi
Daniela Luchian
Bettina B. Lucivero
Elizabeth R.
Lucivero
Nancy Luft Weiss
Irma E. Lugares
Mark C. Lukas
Janet Lukonina
Gianmarco Lullo
Charlene D. Luna
Charles Luna
Andrea Lundquist
David H. Lunenfeld
Xiao Ying Luo
Iris Luongo
Dostis Lupe
Gina Lupo
Salvatore J. Lupo
Elizabeth Lutero
Nancy L. Lutz
Brian Lux
Saul Luzeus
Dorothy H. Lynch
Jacqueline V. Lynch
Colleen A. Lynch
Feldman
Sidney L. Lynn
Camille S. Lyons
Kevin M. Lyons
Connie Ma
Johnstone S. Ma
Lin Ma
Cynthia J.
Macaluso
Mary M. Macaluso
Diane Macari
Joseph T. Macari
Louis J. Macari
Teresa MacDonald
Hattie Mack
Patrick H. Mackay
Sally E. Macken
Robert J.
Mackenzie
Mary E. Maclachlan
Sara Madan
Pantea Madani
Susan R.
Maddaleno
Richard A. Maddas
Matthew C.
Madden
Cetti Madonna
Toni Madorma
Helene M. Madr
Louis B. Madrid
Mels Maerov
Janet M. Maffucci
Catherine Magee
Cherie Magee
Ellyn Lyn Magee
James Magee
Joseph B. Maggio
Linda G. Maggio
Agnes C.
Maginniss
Ronald A.
Maginniss
Elsie D. Magloire
Estelle Magrene
Michael A.
Mahabeer
Gyan Mahabir
Stephen Mahabir
Irma S. Mahadeo
Kimchan Maharaj
Sharon S. Maharaj
Marie J. Mahecha
Rose Marie Maher
Sheila T. Maher
Simin Mahfar
Erik C. Mahler
Ansar Mahmood
Maria A. Mahon
Carol A. Mahoney
Thomas P.
Mahoney
Peter R. Maitlall
Moni R. Majumder
Joseph Makinajian
Daniel J. Makowski
Amarilys
Maldonado
Hector Maldonado
Shahid H. Malik
Zafar A. Malik
Nancy S. Malin
Susan B. Malina
Robert J. Mallas
Sanjaya Mallick
Rose Mallol
Kimberly M. Malone
Stephen P. Malone
Thomas V. Malone
Catherine A.
Maloney
Michael J. Maloney
Kristin A. Maltaghati
Kristina M. Maltese
Orly Mamann
Joan S. Mamo
Hamida Mamoor
Sarah Manarel
Moniram Manbode
Joanna Mancini
Margot R. Mancini
Marina L. Mancuso
Nirmal Mandal
Patricia A. Mangan
Linda A.
Manganaro
Debra A.
Mangogna
Jack Gajraj Mangra
Julio C. Mangual
Elizabeth Maniatis
John F. Maniec
Theresa
Maniscalchi
Dimitrios Manitaras
Alan B. Mann
Kathleen W. Mann
Mohammed R.
Mannan
Catherine M.
Manning
Kevin J. Mannix
Angela E. Manos
Christopher F.
Mansfield
Sahra Mansouri
Afati
Cindy Mantione
Jose R. Manzano
Dayle M. Manzo
Doreen Manzo
Ramon Mappala
Gerardo Marano
Shari F. Marano
Anthony Marazzito
Jane M. Marcello
Daniel A. Marchan
Gail S. Marchbein
Catherine
Marchesano
Norm Marcioch
Coleen Maresca
Jeffrey Maresca
Carl P. Margliano
Sophia Margolin
Lorraine A.
Margulies
Maryann E.
Marinello
Francesco S.
Marino
Lawrence N.
Marino
Phillip R. Marino
Robert F. Marino
Salvatore G. Marino
Donette V. Marion
Marlene M.
Markard
Janet J. Markarian
Steven E. Markfeld
Melinda Markland
Jessica Markovic
Judy S. Markowitz
Debbie Markus
Brigid Marmorowski
Lorraine Marotta
Mary Lou
Marquardt
Maria Marquez
Reinaldo Marquez
Rufino E. Marquez
Anthony G. Marra
Carmela Marra
Merollo
Pauline V. Marrero
Samuel Marrero
Joan L. Marrinan
Gerard M. Marrone
Lisa Marie Marrone
Elaine Marsicano
Michael Marsilio
Amalia B. Martelli
Douglas Martin
Julie M. Martin
Kathleen Martin
Kathryn A. Martin
Mark P. Martin
Patricia E. Martin
Groeling
Francisco J.
Martinez
Gladys Martinez
John Martinez
Kelley A. Martinez
Maria Martinez
Maryann Martinez
Teresa Martinez
Vito Martinico
Marialuisa Martins
Mariema Martins
Madhavi L.
Marupudi
Lynn C. Marvin
Harvey C. Marx
Dennis Marzocco
Walter J. Masalin
Niru Mascarenhas
Simon Maskil
Judi Ann Mason
Michelle A. Mason
Suzanne Mason
Socario Mass Khan
Christopher C.
Massaria
Ferdinando
Massimo
Patricia A. Massimo
Eileen Massone
Denise A.
Mastrangelo
Stephanie A.
Mastroianni
Lori Mastropierro
Sylvia R. Mata
Earl D. Matchett
Jane R. Matchett
Lillian Matej
Lucian Matej
Adonis Mateo
Cathleen Matera
Philip M. Matera
Jane Matera
Lohmann
Carolyn Matherson
Janice S. Mathew
Mathai V. Mathew
Sandra R. Mathis
Ivelisse A. Matias
Margaret G. Matias
Christina M. Matson
Alexandra
Mattheopoulos
Christine Mattos
Joyce L. Mauceri
Rose J. Mauriello
Frederick H. Maurin
Helen Maxwell
Bryan S. May
Janice A. May
John M. May
Rachele Maybrown
Lisa Maynard
William A. Maynard
Sheila Mayola
Helen P. Mayor
Frances Mazer
Carol Mazyck
Anthony J. Mazza
Richard Mazza
Kathleen M.
Mazzaferro
Antonino Mazzara
Barbara A.
Mazzitelli
Carmela Mazzitelli
Susan Mazzola
Kerry M. Mazzone
Thomas J.
McAdam
Kelli L. McAllister
Julie M. McAndrew
Kevin J. McArdle
Michelle F. Mcardle
Jeanne M. McBride
Anthony T. McCabe
William J. McCabe
David B. McCalla
John P. McCalley
Kevin R. McCann
Cheryl A. McCarthy
Crystal R.
McCarthy
Kevin J. McCarthy
Thomas J.
McCarthy
Tirzah M. McCarthy
Michele R.
McCleary
Robert W.
McCleary
Anaschka L.
McClendon
Joseph K.
McCluskey
Alonzo L.
McCollum
Nancy McConnin
Kathleen A.
McConville
Cecile McCook
Richard K. McCord
Bridget M.
Mccormick
Patricia Z.
McCormick
Megan K. McCourt
Deana H.
McCreery
John F. McCullagh
Peter J. McCusker
Regina A.
McCutchan
Barbara R.
McDermott
Joseph A.
McDonagh
Barbara McDonald
Maureen McDonald
Michael C.
McDonald
Michael D.
McDonald
Barbara
McDonough
Joanne Mcdonough
Stacy L. McFadden
Josephine A.
McFadzean
Michael McGee
Theresa M.
McGinley
Susan McGloin
Edward McGlynn
Maureen D.
McGoldrick
David McGovern
Jennifer B.
McGovern
Misty A. Mcgovern
Mary A. McGrath
Patricia H. McGrath
Allison McGuire
Kimberly D.
Mcguire
Marilyn McIntosh
Meryl McKeegan
Anita M. McKelvey
Cynthia L.
McKenna
Hugh McKenna
Sheila M. McKenna
Olsen
Erica S. McKenzie
James K. McKillop
Rose A. McKillop
Diane T.
McLaughlin
Mary F. McLaughlin
Carolyn M. McLean
Janet S. McLean
Julie McLocklin
Edel McMahon
Ellen E. McMahon
Jeanette McMahon
John G. McMahon
Maryann V.
McMahon
Maureen A.
McMahon
Katherine A.
McManus
Michael A.
McNamara
Annette M. McNelis
Sean P. McPartland
Lindop J. McPhee
Janine M.
McQueeney
Danielle K.
McQuillan
Joe J. McQuillan
Peter J. McQuillan
Regina M.
McQuillan
Debra Mcsheffrey
Kiehn
Eileen M. McVeigh
Leland E. Meadows
Angela V. Medalla
Anthony Medici
Theresa A. Medici
Maria Medina
Olivia Medina
Claudette Y. Medley
Carolyn Meenan
Jennifer M. Megale
Vedamattie D.
Megnath
Michelle A. Mehling
Deepak S. Mehta
Minakshi Mehta
Suhag Mehta
Tanya Meiler
Christopher
Meittinis
Alexander R. Mejia
Marco A. Mejia
Ethiel Melecio
Dora E. Melero
Graciela L. Melero
Jane Melinger
Donna Mello
Anita K. Meltzer
Donna L. Memoli
Varland
Mohamed A.
Menasy
Matthew Mendell
Jules I. Mendelson
Lino J. Mendogni
Denia G. Meneses
Christopher Menna
Clemencia
Mennella
Theodora Mennella
Demetria J.
Menoutis
Christine M.
Menusan
Arlene P. Menzel
Truumees
Loredana Meo
Janice Mercadante
Kelly Mercado
Livia D. Mercado
Indira Mercedes
Angelo Merchan
Betty Mercurio
Linda E. Mercurio
Margaret T.
Merendino
Meryl G.
Merenstein
Josephine
Meringolo
Jose A. Merino
Marco A. Merino
Kenneth G. Merkel
Tammy M. Merrill
Robin R. Meshonek
Carmen Mesiti
Sharon Ann
Messier
Angelo Messina
Cheryl A. Messina
Janice Messina
John W. Messina
Paulina Messina
Angela Metaras
Mary V. Meyer
Sally E. Meyer
Tara B. Meyer
Barbara A. Meyers
Stacy B. Meyrowitz
Sandra Meza
Tahir Mian
Charles J. Miata
Joyce Michaels
Howard W.
Michaelson
Anna Michailidis
Jason P. Michaleas
Tomasz D.
Michalowicz
Annemarie F.
Michitsch
Jeffrey D.
Middleman
Bernard Miglio
Teresa Miglio
Vacileios
Mihalopoulos
Boris Mikhailov
Patricia A. Mikoleski
Orlando
Michelle J. Milana
Anthony Milano
Dineen M. Milano
Martha Milazzo
Cynthia M. Miles
Alice P. Miller
Blossom J. Miller
Bonnie L. Miller
Carol M. Miller
Dean M. Miller
Debra B. Miller
Donna F. Miller
Lorraine Miller
Robert R. Miller
Sharon A. Miller
Shirley A. Miller
Susan L. Miller
Joanne Mills
Marisa Milo
Patricia C. Miloski
Joseph B. Mimmo
Miyata A. Min
Jane L. Mincer
Guy T. Mincieli
Doreen C. Miner
Li Dong Ming
Carmen J.
Mingolelli
Sheila D. Minkel
Dorothy F. Minnick
Kenneth J. Mintz
Susan C. Mirabella
Vincent J. Mirabella
Laurie J. Miranda
Neva J. Mirando
Donna Marie Miro
Kiki Mironis
Joan F. Mirro
Michele M. Mirro
William M. Mirro
Zaida E. Mirto
Lorraine A. Mischke
Nazarene Misir
Latchman Misra
Jeffrey Mistretta
Kimberly J.
Misuraca
Daniel J. Mitchell
Maria Mitchell
Eddie E. Mite
Inbar Mitzman
Joanne Mizvesky
Sung H. Mo
John Mobyed
Neal K. Modi
Sudeep J. Modi
Joseph Modica
Rosemarie Modica
Carolyn Moezinia
Charles G. Mogul
Judith Mogul
Alvin C. Mohabir
Lionel A. Mohabir
Patsy Mohabir
Karamchand K.
Mohan
Sattie Mohan
Druvraj Mohanlal
Syed M. Mohiuddin
Deborah Mohring
Roberta P.
Moldawsky
Michael S. Mole
Lydia Moleros
Jennie A. Molinaro
Mohammed N.
Mollah
Gloria C. Molloy
Ferenc Molnar
Frances M.
Monaco
Josyane Monaco
Lucy E. Monaco
Jill M. Monahan
Jullie Monarchio
Matthew E.
Monchik
Teresa Monda
Palma Mondelli
Janet Mondor
Vladimir Monel
Maria Jeanne
Moneta Cafiero
Joseph J. Mongelli
Ester M. Monroy
Michael J.
Montalbano
Adriana Montalenti
Holger M.
Montaleza
Blanca Montalvo
Yolanda
Montefusco
Gale L. Montello
Justine M. Montello
Veronica
Montemarano
Geri M. Monzillo
Barbara A. Moody
Lenora Moody
Ae J. Moon
James Mooney
Daniel T. Moore
Evelyn E. Moore
Frances Moore
Carol D. Moorer
Elizabeth Moquete
Ercole Mora
Enzo C. Morabito
Arthur B. Moral
Jorge Morales
Malina Morales
Bernard J. Moran
Cathy Moran
Maureen Moran
Lori E. Moravek
Nenita M. Morel
Jerome Morello
Nadine Morency
Daniel S. Moreno
Tara E. Moreno
Lynne M. Moreo
Rosalinda R.
Morgan
Susan Morgan
Veroniqueca
Morgan Aydelott
Anna Morin
Ira Morley
Carolyn D. Morris
Jeffrey F. Morris
Michael J. Morris
Pamela Morris
Peter Morris
Sandra A. Morris
Karen B. Morrison
Denise M.
Morrissey
Suzanne E. Morselli
Vincent A.
Mortensen
Donna A. Mortimer
William J. Moseley
Patricia M. Moser
Joseph M. Moshe
Cindy M. Moshman
Alyette R. Mosleh
Luz A. Mosquera
Jeffrey R. Moss
Carol A.
Motschwiller
Elizabeth Mottola
Manuel Mourino
Marcos A. Mourino
Helen Moutopoulos
Parvin Movtady
Lucy S. Moy
Brian A. Mozian
Robert P. Mozian
Elzbieta D. Mroz
Joanna Mrzyk
Patricia M. Mucciolo
Cristian R. Muentes
Elizabeth
Muhlenbruck
Wan S. Mui
Satyabrata
Mukherjee
Sabarinath
Mukundannair
Clarice I. Mulcahy
Frank L. Mule
Anne Mulholland
Barbara A.
Mullaney
Sheila Muller
Marcia A. Mullings
Khaim Mullokandov
Adelaide L. Mulry
Amarjeet S. Multani
Howard F. Multer
Caryl E. Mundy
David P. Murad
Rafiqul I. Murad
Dorothy M.
Muratore
Sandra Murer
Weissberg
Lea M. Murillo
Maureen Murino
Theresa Murino
Wolf
Denis G. Murphy
Diane Murphy
Ivy V. Murphy
Linda R. Murphy
Mary E. Murphy
Robert M. Murphy
Bibi H. Murray
Catherine J. Murray
Joanne Murray
Kelly J. Murray
Theodore Murray
Michelle R.
Muschenick
Concettina I. Musso
Paul A. Musso
Peter S. Musso
Safet Mustafic
Thomas M. Musto
Denise M.
Musumeci
Noreen Musumeci
Elaine Myers
Kathleen Myers
Marshall W. Myers
Abraham M. Myles
Anna Naccarato
Charles J. Nack
Paulette A. Nadel
Rhoda Nadell
Nancy M. Nadrich
Lionel Nagapen
Louis Nagy
Patrick Nagy
Anet Nahum
Jayakrishnan Nair
Akie Naito Gearns
William Y. Najarro
Sang S. Nam
Pat Naples
Christina L. Napoli
Kathryn E.
Napolitano
Paul P. Napolitano
Nina R. Naqvi
Angel G. Naranjo
Sonia Naranjo
Donna E. Nardi
Maria S. Nardi
Christopher R.
Nardo
Chatterpaul Narine
Chaim Narkis
Jasjot Narula
Elizabeth Nash
Sheila F. Nash
John Natale
Stacey E.
Nathanson
Thomas P.
Naughton
Mara D. Navaretta
Margot I. Navarro
Sonia A. Navas
Espana Nazar
Steven W. Neama
David G. Nedvin
Rowena L. Nedvin
Gloria J. Neglia
Diane Negron
Pauline M. Negron
Spiller
Kim P. Nelson
Catherine Nemecek
Ariel Nemzeyano
Aviram
Nemzeycino
Margaret Nenos
Suzanne M.
Nerwinski
Bibi M. Nesa
DeWayne Nesbitt
Lisa Nesbitt
Danielle N. Nese
James A. Netter
Kristina S. Netter
Cynthia A. Nevins
Marvin F. Newman
Johnny W. Ng
Kam Ng
Wai Fu Ng
Tiffany Ngo
Linda P. Nguyen
Fahron F. Nibbs
Loussik Nichanian
Patricia M. Nicklaus
William F. Nicklaus
Margarita Nicolaou
Christopher H.
Niebling
Barbara Nieves
Derrick Nieves
Sharmila B. Nigalye
Gisela I. Nightingale
Peter Nikakis
Walter G. Nikles
Marios M.
Nikolaides
Marie Denise E.
Niles
Colleen Nill
Alvaro Nino
Jaime E. Nino
Eliahu Nir
Spiros Nitis
Janet L. Nix
Dawn A. Noak
Lourdes Nobile
Stalyn O. Noboa
Marian M. Noel
Sanjeev Noel
Franklin M. Norce
Regina Normil
Raymond J.
Norowski
Floretta I. Norris
Gary W. Northrup
Maryna Nosava
Santo Novelli
Lori Ann Novello
Lynn C. November
Stephen W.
Nowicki
Christine Nowierski
Luis A. Nunez
Margaret R.
Nunziata
Jennifer C.
Nussbaum
Cindy O’Brien
Nancy E. O’Brien
Ana G. O’Connell
Daniel T. O’Connell
Gerard L. O’Connell
Patricia A. O’Connell
Diane R. O’Connor
Gerard O’Connor
Philomena C.
O’Connor
Maureen T.
O’Donnell
Michael E. O’Dwyer
Virginia O’Dwyer
Michael J. O’Hare
Dulce O’Harra
Gina O’Kane
Carol A. O’Leary
Brian O’Malley
Angela M. O’Neill
Debra O’Neill
Gerald E. O’Neill
Patricia M. O’Neill
Robert J. O’Neill
Timothy J. O’Neill
Allison G. O’Rourke
Francine O’Rourke
John C. O’Shea
Jay Oberlender
Karen Wagner
O’Donovan
Marinus P. Oele
Doris Ofori Atta
Doris Ogazon
Michael Ogazon
Mark T. Ogden
Clement L. Ogera
Agatha Ognibene
Sunny K. Oh
Lucille Oissar
Pete U. Oissar
Victor Okodogbe
Alba D. Oleary
Catherine A. Oleon
Benedetto A. Oliva
Diane Oliva
Lucy Oliva
Anthony R. Oliverio
Julie Oliverio
Helene E. Oliviera
Maria E. Olivo
Maritza Olivo
Priscilla J. Olivo
Elayne Olley
Omid Oloumi Tousi
Georgine L. Olsen
Michael T. Olsen
Laryon C. Onwu
Nicole Y. Opisso
Scott N.
Oppedisano
Lynn Orczyk
Roberta I. Orell
Kathy Orioli
Peter T. Orisses
Jodie B. Orlando
Laura L. Orlando
Rosemarie Orlando
Constance M.
Ormsby
Meche N. Orozco
Jason Orsini
JesusAllison Ortega
Susana Ortega
James Orticelle
Aracelis Ortiz
Hidel Ortiz
Irma D. Ortiz
Jose M. Ortiz
Lourdes Ortiz
Margarita Ortiz
R Ariel Ortiz Silva
Nigel S.
Osarenkhoe
Barry S. Osborn
Vilma T. Osborne
Daniel Oscar
Kenol Oscar
Sarker S. Osman
M Yolanda
Osmolska
Juliet Ossam
Janet Otis
Patricia A. Otis
Gloria M. Ott
Patricia Ottati
Hui Cheng Ou
Irene Overbeck
Philana M.
Overstreet
Alvin Owen
Susan G. Owen
Anthony N.
Paccione
Mary Anne
Paccione
Robert B. Pace
Parminder S.
Padda
Pedro J. Padilla
Gina M. Padro
Jose A. Padro
Christina Padula
Carmen A. Pagano
Dominic J. Pagano
Laura Page
Anna T. Pagliughi
Anthony B.
Pagliughi
Joan B. Pagnotta
Geraldina Pagoto
Roxanne Paino
Tiffany Rose
Palagonia
Jennifer Palazzola
Peter Palazzolo
Janis L. Palermo
Lisa Palermo
Michael A. Palermo
Mark A. Palladini
Amerigo A. Pallotta
Maria S. Palmar
Samuel Palmer
Vasilia Palmos
Qi Pan
Shu Na Pan
Panagiota G.
Panagiotou
Tasia Pando
Parag K. Pandya
Chih C. Pang
Rosemary Panico
Albert J. Pantino
Barbara A. Pantino
Samantha D.
Panton
Janet Panzeca
Kim S. Panzner
Palazzolo
Carol A. Paolillo
Beverly A. Paolotti
Anthony Paone
Angela Papa
Vincent C. Papa
Leonidas Papalas
Maureen Papalas
Louis N. Papas
Mary Papastratis
Bonnie R. Papish
John A. Pappalardo
Robert Pappalardo
Fredis H. Parada
Emmett J. Paradine
Roberto Paradis
Donnamarie
Parasimo
Lauren A. Parasmo
Amrita C. Paray
Henry Parciak
George Pardalis
Andrea Paredes
Pasquale Parente
Lawrence T. Paretta
Angela L. Pariselli
Richard A. Parisi
Sherene Parisi
Daniel J. Park
Holly K. Park
Hwang W. Park
Hyunsook Park
Kyong N. Park
Michael Park
Nami Park
Sang S. Park
Bonnie Parker
Christine G. Parker
Thomas J. Parkes
Susan E. Parks
Malgorzata
Parlewicz
Robert A.
Parnagian
Brenda Parra
Servante S. Parray
Lopez
Arthur T. Parrin
Sabrina Parrino
Justin Parsons
Besham Parsram
Patricia Pascarella
Maria Pascaretti
Mohammad S.
Pasha
Mary Pasquarelli
Anthony
Passalacqua
Jennifer Pastore
Joan E.
Patchowsky
Divyang Patel
Hemali S. Patel
Christina Paterno
Antonio J. Patino
Gladys Patino
Andrew F. Patricola
Dionne L. Patterson
Owal Julian
Patterson
Mel J. Patto
Kathleen J. Paturno
Donna Paul
Marc Paz
Jefferson Pazmino
Joanne Pearson
Leslie A. Pecheur
Rita E. Pecora
Ralph H. Pecorale
Maria G. Pedro
Taryn L. Peel
Anthony J.
Pellicane
Armida C. Pena
Debra T. Penkava
Joan Penn
Lynda M.
Pennachio
Kristen Pennestri
Debra L. Penzone
Erin E. Pepe
JoAnn Pepe
Arleen Perez
Emiliano Perez
Ercilia Perez
Iliana Perez
Jorge D. Perez
Laurie A. Perez
Victor M. Perez
Donna Periconi
Lucy A. Perillo
Nancy Perna
Judy A. Pernice
Peter A. Perone
Linda Perrotti
Jacqueline Perry
Michael J. Perry
Vincent J. Pers
Brijanand Persaud
Eshwar Persaud
Jeewan Persaud
Peggy R. Persaud
Raividat Persaud
Ronald D. Persaud
Rookmin Persaud
Sasekumar
Persaud
Cynthia T. Persichilli
Bergm
Kenneth S. Pertab
Louis Pescatore
Asmaa Petaludis
Compton J. Peters
Robert Peters
Patricia J. Petersen
Patricia K. Petersen
Charles D.
Peterson
James E. Peterson
Rhona Peterson
Susan M.
Petkewicz
Madeleine F.
Petrara
Nikolaos Petratos
Elizabeth A. Petrie
Gina M. Petrie
Tina M. Petronio
Jean M. Petter
Robert C. Pettinato
Lori Ann Pfeifer
Stephen Pfeufer
Khanh T. Phan
Sultana Y. Phelan
Michele Phelps
Vachier
Bruce C. Phillips
James A. Phillips
James F. Phillips
Katrina D. Phillips
Shirley E. Phipps
Kathy Piazza
Luis M. Picado
Gilbert A. Picard
Richard C. Picardi
Virginia Picart
Backus
Leandro Pichardo
Eytan A. Pick
Mitchell Pickman
Frances Picone
Joseph Picone
Tiffany A. Picone
Patricia A. Pidgeon
Mohammad Pier
Barbara A. Pierce
Ifoma O. Pierre
Leonor Pierre Louis
Loretta
Pietrangolare
Nicole
Pietrangolare
Frank Pignataro
Richard I. Pigott
Gavin E. Pike
Donna Pilallis
Corinna Pillari
Betty Ann Pilling
Jasher Pineda
Ana Cristina R.
Pinheiro
Nelson Pinilla
Olga Pinkhasova
Kuni Pinner
Gustavo Pino
Jovany S. Pinto
Yesenia Pion
Helen Piovesan
Frank C. Piparo
Carroll Pipitone
Janine A. Pipolo
Claudia L. Pira
Edward A. Pirro
Michael J. Pisani
William F. Pisani
Sofia N. Pispitsos
Jessica M. Pistorius
Louise F. Pitlake
Catherine Pittala
Eaton A. Pitter
Susan Pittsburg
Vita Pizaro
Lori Placido
Ida Plaia
Victor Platt
Lisa M. Platti
Joseph M. Pleffner
William P. Plunkett
Ah Kwan C. Po
Armando J.
Polanco
Jose A. Polanco
Robert Polgar
Marie Polito
Salvatore Polito
Barbara J.
Poliwoda
Kenneth D.
Poliwoda
Evan S. Polland
Laura Pollari
Joseph A. Pollini
Maureen Polye
Iris Pomonis
Pornnipa
Pongvitayapanu
Pornpimon
Pongvitayapanu
Joseph Ponte
Wendy A. Ponte
Patricia H. Ponzi
Robert K. Ponzi
Francois Ponzio
Judy Poon
James R. Poro
Stephen J. Portelli
Lawrence C. Porter
Tatyana N. Porvina
Jay B. Poster
Ellen Potere
Thomas M. Potter
Dennis Poulos
Marie Povinelli
Carolita Z. Powell
Diane A. Powell
Susan E. Power
James S. Powers
Saroj Prabhakar
Miroslava L.
Pradella
Rosemary Prange
Peter Prashad
Sharon C. Pratt
Mark Prechtel
Amy S. Prego
Mary Preisel
Ruth Press
Paul P. Presta
Benjamin Preston
Fridman
Stephen J. Prevete
Michael A. Previti
Frances K.
Prezioso
Beth Price
Sheila I. Prince
Steven A. Prince
Laura Prince
Vomvos
M Elysia Prinz
Maria Priovolos
Joseph L. Pritchard
David A. Procopio
Louise M. Profita
Maria Prois
Karen L.
Provenzano
Kimon Psaltakis
Marianna
Psihudakis
Teri Psillos
Nicos Psomopoulos
Carol J. Puccinelli
Francesco Puccio
Ana Puello
Grace Ann Puente
Barbara A. Pugh
Kathleen J. Pugh
Paul Puka
Edith S. Pulizzotto
Francesco
Pulizzotto
Thomas A.
Pulvirenti
Kristine F. Purish
Beatrice E. Pyatt
Asif Qazi
Huy Boi Quang
Marie Quatela
Brian Quillin
Catherine R.
Quinlan
Maureen R.
Quinlan
Christine Quinn
Katherine A. Quinn
Maribeth P. Quinn
William M. Quinn
Rose R. Quinones
Myrian J. Quinonez
Caroline M.
Quintana
Jorge G. Quintana
Carmen E.
Quintero
Maria T. Quirk
Gary A. Quist
James E. Raber
Deborah Rabinovici
Gloria E. Rabson
Randolph Rachlin
Tomasz
Raczkowski
Eileen Rado
Eugene Rado
James Radosta
Ruth Rafferty
Kathleen A. Raffio
Mohammad H.
Rafiq
Cristina R. Raggio
Michael J. Ragusa
Sung Rah
Laura Raheb
Tanveer Rahim
Jay J. Raifman
Debra Raimo
Barbara L.
Raimondo
Maryann Rainone
Steven J. Rainone
Mary P. Raisen
Barbara V. Raj
Adnan Raja
Vasant Raja
Mohale C.
Ralekhetho
Irene Rallis
Virginia A. Rallis
Rozalyn Ralph
Gwenn A. Ramage
Kumarchand
Ramanand
Savita K.
Ramchandani
Christina C.
Ramcharitar
Lester G.
Ramcharran
Laxmi Ramdin
Ataveira Ramirez
Francisco J.
Ramirez
Mireya J. Ramirez
Mark Ramjeet
Antonis Rammos
Chris Ramnarain
Josephine Ramos
Ruby Ramos
Trevor A. Ramos
Violeta Ramos
Kumarie
Rampersaud
Ishwar Ramroop
Subhas Ramroop
Eric G. Ramsay
Garth Ramsay
Tammy J. Ramsay
Angela Ramson
John Randazzo
Viviana E. Rangel
Kathy Rankel
Aileen Rankin
Alfred Rankins
Erlan Raphael
Lois L. Rapiel
Patricia Rasa
Mohamed Z.
Rasheed
Reema Rasool
Gail E. Rattner
Richard D. Rawdin
Jennifer Raynor
Homayra Razawi
Abdel Razick
Adam Razik
Donna Reardon
Viviana Rebay
Norberto E. Rebaza
Joseph M. Record
Karen L. Reddan
Assunta S. Redding
Shannon Reddish
Patricia A. Redican
Kim Redick
Hilda Redmond
Witt
Stacey E. Reed
Evelyn Reeff
Daniel J. Regan
Lourdes S. Regan
Thomas V. Regan
Michele Rehfeldt
Shams U. Rehman
Kevin D. Reid
Angela Reilly
Eileen Reilly
James B. Reimers
Michele W.
Reinbach
Paul A. Reinckens
Renee Reiner
Christopher J.
Reinhardt
Rose Reinhardt
Denise Reinke
Jason C. Reis
Robin T. Reiss
Suzette D. Reiss
Valmeek M. Rekha
Margaret M.
Remhild
Debra V. Remien
Daisy Remigio
Joseph A. Remkus
Xiao D. Ren
Kathryn Renaldo
James R. Rendall
Irina V. Renner
Michael Rescigno
Meryl L. Resnick
Jeffery W. Rettaliata
Pongpan
Reungjantrarit
Kimberly B. Rex
Amy J. Reyer
Maribel X. Reyes
May Reyes
Noyma I. Reyes
Valerie Reyes
Anne Reynolds
Linda M. Reynolds
Victoria Reynolds
Lori J. Reynoso
Poran Rezaei
Eul Ja Rhee
Sook Rye Rhee
Sungkhil Rhee
Deval D. Rhodes
Linda Rhyu
Valerie Riccardello
Celene Riccardi
Robert A. Ricci
Angelina Ricciardi
Rhonda R. Riccio
Lori E. Ricciuti
Michael J. Ricco
Arthur G. Rice
Michele Rice
Nelson
Marilynne Rich
Amalea Richards
Chyroll J. Richards
Delroy Richards
Jim D. Richards
Karen M.
Richardson
Antoine W. Riche
Clayton Richmond
Kadijah S. Ricks
Katrina M. Ricks
P Suzanne
Ridenour
Curtis R. Ridolf
William C. Riechert
Diane Riedel
Silas Riedel
Sandra L. Riegel
George J. Riffone
Parvaneh P. Rifino
Tehrani
Dawn Riggi
Antonietta Rijo
Glendon J. Riley
Lori J. Rinaldi
Barbara Ring
Laurie A. Riordan
Adrian B. Rios
Elkin M. Rios
Sonia O. Rios
Laura Riportella
Barbara Rippili
Alice E. Risley
Mildred Risolo
Karin M. Ritchie
Nancy Rittenhouse
Dawn E. Ritter
Jeffrey Ritts
Omar D. Rivas
Cheryl A. Rivera
Dora Rivera
Mable D. Rivera
Rafael Rivera
Ramon Rivera
Jose W. Riveros
Hugo Rizzo
Laurie C. Rizzo
Dawn Roberto
B Roy Roberts
Christopher M.
Roberts
Jean L. Roberts
Brian D. Robey
Joanne M. Robilotta
Julia Robins
Roxanne Robins
Janice A. Robinson
Kevin L. Robinson
Seibert L. Robinson
Norann K. Robles
Carol A. Roche
Julio C. Roche
Gerry Rodgers
Mary E. Rodgers
Alexandra H.
Rodrigues
Anyelo Y.
Rodriguez
Cirilo S. Rodriguez
Cynthia Rodriguez
Fausto P.
Rodriguez
Gloria I. Rodriguez
Ivan Rodriguez
Kevin A. Rodriguez
Max Rodriguez
Rafael Rodriguez
Ramon J.
Rodriguez
Ricardo Rodriguez
Richard Rodriguez
Joyce Roe
Steven Rogate
Carey J. Rogers
Marie E. Rogers
Teresa Rogers
Asma Rohail
Henry A. Rojas
Jady V. Rojas
Veronica Rojas
Vilma Rojas
Constance Rolf
Barbara J.
Romagnuolo
Gaby M. Romain
Antonia C. Roman
Noel Roman
Diane R. Romanelli
Robert J. Romanelli
Angela V. Romano
Antonio Romano
Diana M. Romano
John Romano
Maria Romano
Toni A. Romano
Vincenzo Romano
Jane T.
Romanowski
Carolyn P. Romeo
Giovanna Romeo
Robin G. Romeo
Nelson F. Romero
Frank X. Romito
Angela M.
Rondinella
Arthur Ronson
Diann M. Rook
Annmarie C.
Rooney
Marjorie Rooney
Drupati Roopnarine
Alvin B. Roper
Thomas Rosamilia
Melly D. Rosario
Miledy Rosario
Alexis A. Rose
Betty Rose
Christopher A.
Rose
Joseph T. Rose
Nigel A. Rose
Rene A. Rose
Wayne R. Rose
Barbara L. Rosen
Linda Rosen
Jacob D.
Rosenbaum
Sonja Rosenbaum
Adele Rosenberg
Norma Rosenberg
Paulette Rosenberg
Robyne I.
Rosenberg
Adela E.
Rosengarten
Liebg
Nanci Sue
Rosenthal
Frank C. Roskot
Julia C. Roskot
Camille D. Ross
Owen R. Ross
Philip Ross
Sharon Ross
Sydney Ross
Evelyn Ross
Costello
Diane Rossi
Pauline Rossman
Elisa Rostkowski
Karen L. Roth
Angela Rothenberg
Lee Rothleder
Elliott I. Rothstein
Jeffrey Rothstein
Isabel Asha
Rotstein
Karyn W. Rotter
Nicholas J.
Roubanis
Patricia A. Rouse
Maria E. Rovegno
Snezana Rovis
Harriet M. Rowan
Julie Rowehl
Elizabeth A.
Rowsell
Lawrence Roxbury
Todd Roy
Tushar K. Roy
Joan E. Royals
Justin M.
Rubenstein
Frank L. Rubiano
Marilyn H.
Rubinfeld
Anthony Rubino
Carrie Rubinstein
Elaine L. Rubio
Nina Ruddy
Beth E. Rudolph
Jonas R. Rueda
Betty Ruiz
Susan E. Ruiz
Sylvia Ruiz
Victor A. Ruiz
William Ruiz
Deborah L. Rule
Barbara A. Ruotolo
Lydia Rupolo
Caroline W. Rupp
Caitlin Ruppert
Mary Alice Ruppert
Tracy K. Rush
Helen D.
Ruskowski
Kelly M. Russell
Patricia Russell
Yolanda M. Russell
Kathleen A. Russo
Lynn Russo
Alin Rusu
Elizabeth A. Ruth
Stephen E. Ruth
Barbara Ryan
Diane K. Ryan
Glanita Jan Ryan
Judy A. Ryan
Kelly Ryan
Kevin P. Ryan
Michael C. Ryan
Thomas J. Ryan
Joanne Rynston
Paul J. Rynston
Sabera Saadullah
Heather Saal
Khaled Sabek
Sandy Sabel
Osleeb
Dolores G. Sabino
Stephen M. Sachs
Eddie Saeed
Francine Saer
Steve K. Safo
Steven L. Safrany
Jin Sook Sah
Fawzia Sahak
Marie G. Saint
Gerard Saint Vil
Karen Sais
Emily L. Sak
Benjamin Sakhai
Jeanette Saladino
Abdus Salam
Jane L. Salamon
Gloria Salas
Luz D. Salas
Alexandra
Saldarriaga
Elena Salerno
Yanira E. Salgado
Generoso B. Salle
Frank A. Sallustio
Joseph V. Sallustio
Naila Salman
Janette M. Salmieri
Shoshana Salomon
Stacey D. Saltzer
Craig D. Saltzman
Janet Salvaggio
Kristen A. Salvatore
Linda M. Salvo
Carol A. Salzman
Lindon O. Sam
Anne Marie Sami
Cristina
Sammarone
Diana Sammarone
Sarah A. Sammis
Joan M. Sammon
Damian E. Samuel
Susan Samuels
Judy A. San
Roman
Susan M. Sanborn
Zoila Sanchez
Charles O. Sanchis
Wendy S.
Sandalena
Hildy Sanders
Raghubir Sandhu
Carmen M. Sang
Elena Sang
Pierre Y. Sanon
Janine Sanoulis
Vanessa Santacruz
Maria Santalesa
Clare Santangelo
Angela M.
Santarsiero
Antionette Santelli
Frank Santiago
Judith Santiago
Mailine Santiago
Freddy Santillana
Carmel M. Santoro
Concetta T. Santos
Joselito C. Santos
Linda B. Sanwald
Zunilda A. Sanz
Blanche R. Sapan
Geraldine S.
Sapanaro
Deepak K. Sapkota
Dexter Sapp
Paul C. Saraceni
Anthony P. Saravo
Pamela J. Sarett
John J. Sarno
Sola R. Sarumi
Maria C. Satira
Troy Satoo
Carole Sauers
Rochelle Saunders
Philip Savarese
Sharon F. Savarese
Jamie Lea Savello
Henry F. Saverio
Rosemary Savoia
John Z. Savoretti
Teresa D. Savory
Jennifer J. Sawyer
Sydney J. Sawyers
Diane Sboto
Douglas K. Scaduto
Ron Scala
Thomas W. Scala
Deborah L.
Scalcione
Vito Scalesi
Anda Scalise
Dianne C. Scalza
John Scalzo
Umberto
Scaramozzino
Camelia Scardino
Keible K. Scarlett
Emanuel J.
Scarpinato
Estelle Scarpinato
Christine M.
Scaturro
Andrea Scelisi
Anne Marie Scerbo
Nancy J. Schaefer
William A. Schall
Kristine J.
Schanstra
Edward B.
Scharfberg
Dawn Schatz
Jeffrey M. Schecht
Evelyn L. Schechter
Isaac Schechter
Grace Schehr
James B. Schehr
Jennifer L. Scheiner
James B. Schenck
Thomas A. Scheriff
Andrea Schichko
Frank E. Schiele
Shawn M.
Schildgen
Olivia Schilling
Michael B. Schindel
Carl G. Schiovone
Kit Schlaugies
Joanne L. Schloen
Edward F. Schmid
Jody M. Schmid
Lawrence C.
Schmidlapp
Steven P. Schmidt
Angela A. Schmitt
Heidi L. Schmitz
Lois A. Schneider
Norman Schneider
John N. Schnepp
Jean M. Schnurr
Laurie E.
Schoenhut
Rosemary
Schofield
Philip Schonfeld
Nancy J. Schramm
Joseph J. Schraufl
Denise R.
Schreiber
Patricia Schreiber
Laura A. Schreiner
Kenneth E.
Schroder
Kristine M.
Schroeder
Diane Schubach
Sheryl Schulman
Kim E. Schultze
Peter R. Schwarting
Alice H. Schwartz
Arlene Schwartz
Barry Schwartz
Charles A.
Schwartz
Diane M. Schwartz
Karen B. Schwartz
Rita Schwartz
Robert F. Schwartz
Stephanie A.
Schwartz
Lisa Schwarz
Rosemary J.
Schwarz
Lea Schwarzbard
Geniene Sciacca
Stephen A.
Scialdone
Charles Sciberras
Ed R. Scicluna
Laura A. Sciortino
Patricia F. Scirica
Sarah J. Sclafani
Alice M. Scorzelli
Gregory Scotidas
John L. Scott
Lisa D. Scott
Shane Scott
Renee Scotti
Leonard J. Scotto
Ralph M. Scotto
David Scrogham
Anthony S. Scuria
Robert C. Search
Albert Sebag
Don A. Sebastian
Darren Sebor
Leslie V. Seecharan
Barbara A. Seeley
Jo Ann Seeno
Eve Marie Seeno
Sammarco
Bruce H. Seger
Emily J.
Segismundo
Alniza Segundo
Sanjay Sehgal
Randi M. Seidner
Phyu Phyu Sein
Chantal Sejour
Grace Selover
Gerry M. Selya
Courtney J.
Semeraro
Patricia M. Senita
Christine C. Seo
Luis A. Serrano
Robert N. Serrano
Taraneh J. Seta
Henry A. Setaro
Ellen B. Settimo
Bunny Severe
Cliff Sewah
Meena Sewani
Humayoun Shabbir
Bishwa B. Shah
Jyotika P. Shah
Parveen S. Shah
Ritesh Shah
Regina Shakarova
Etz Shalem
Roy Shalom
Maytal Shany
Susanna C. Shao
Donna R. Shapiro
Mark L. Shapiro
Robert M. Shapiro
Bibi M. Shariff
Ajay Sharma
Ankur Sharma
Archna Sharma
Sushma Sharma
Carol Sharpe Byng
Donna A. Shaw
Janice Shaw
Carol A. Shea
Richard Sheahan
Barbara L. Sheib
Madeline M.
Sheldon
Susan M. Shelley
Hsiao Chen Shen
Paula Shengold
Stella Shenker
Carole F. Sheppard
Cynthia M.
Sheppard
Anne M. Sheridan
Jeanette Sherman
Susan M. Sherman
Nima Y. Sherpa
Christopher A.
Sheskier
Ashesh Sheth
Haresh J. Sheth
Andrew J. Shi
Hua Yan Shi
Jian He Shi
Kezi Shi
Yibing Shi
Jenny P. G. Shibetti
Rose M. Shields
Robert D. Shiffman
Jong S. Shin
Moon Shin
Young Sil Shin
Rose T. Shindel
V C Shingwani
Claude A. Shipman
Hengameh Shirazi
Pounaki
Valentina Shmerlis
Irene R.
Shmerykowsky
Edith Shneorson
David Shokouhi
Kooresh
Shooshtary
Jeanette Shpak
Abu Shuheb
Kathy A. Shukofsky
Leitman
Stephanie J.
Shulman
Michael Siciliano
Lisa Sicurelli
Felipe A. Sicurello
Jaidev Sidher
Walter R. Siefert
Gaetano T.
Sieligowski
Don Sien
Robin E. Sikora
Pellegrini
Michael E. Silano
Marilyn Silk
Monica Sill
Bradley S.
Silverbush
Lisa A. Silverstein
Brian M. Silvestry
Maritza Simard
Renita W. Simmons
Susan P. Simmons
Darryl L. Simon
Anthony G.
Simonetti
Catherine E.
Simonetti
Kristi M. Simonetti
Leonard Simonetti
Chris Simonsen
Gillian P. Simpson
Juliana Simpson
Hyeryeon Sin
Shanti Sinanan
Chris Sinaplidis
Douglas S. Sinclair
John Sinetos
Phyllis Singer
Tammy Singer
William D. Singer
Darshan Singh
Deosaran Singh
Drupattie Singh
Gurdip Narul Singh
Harpinder Singh
Inderpal Singh
Kulvinder K. Singh
Leila S. Singh
Makanlall Singh
Mandeep Singh
Nishwa P. Singh
Nitin P. Singh
Palwinder Singh
Philip K. Singh
Sadar Singh
Kathleen G. Sinito
Joseph T. Sinnona
Catherine T. Siolas
Nectaria Siounis
Piroska Sirinic
Glenda C. Siu
Roland Skarberg
Marie Skarren
Diane X. Skartsiaris
Erjon Skifteri
Virginia A. Skillman
Brendan J. Skislock
Alison Skloot
Edward L. Skoch
Maria M. Skoch
Erica L. Slavens
Marie Sloan
Joan Small
Paulette M. Small
Allison R. Smilowitz
Bill Smith
Carole Smith
Catharine Smith
Eileen M. Smith
Felicia Smith
Karen J. Smith
Maxime G. Smith
Mitzy Smith
Roderick Smith
Steven T. Smith
Walter J. Smith
Dorothy A. Smith
Brown
Bridget M. Smyth
Jerry J. Snit
Beatrice Snyder
Gayle I. Snyder
Roy Sobel
Tracy L. Sobel
Magued Sobhy
Angela L.
Soderlundi
Anggriyani
Soebroto
Patrice M. Sofsky
Mojgan Sojeri
Cheryl Sokolow
Jose Sola
Richard Solano
Antonetta M. Solina
Joanna Sollazzo
Louis A. Sollicito
Yekaterina Solona
Roman Solonyy
Eghbal Soltani
Vladimir
Soltanovich
Evelyne Somekh
Jean Sondergaard
Chang Ho Song
Kewon Song
Myeonghee Song
Myoung J. Song
Ying Song
Rohita Sood
Jagdeo Sookhiram
Laura M. Soper
Gerard Soprych
Gloria I. Soria
Oleg Sorkin
Giacomo Sorrentino
Richard J.
Sorrentino
Shelley A. Sosnoff
Debra E. Sosnow
Simona Sotir
Maritza Soto
Elizabeth
Sotomayor
Narcisa Sotomayor
Luisa Souffront
Richard Southard
Kenneth D.
Southworth
Joseph A. Souza
Sonny Spagnuolo
Jason J. Spahn
Marianne Spahr
Patricia Spain
Cindy K. Spallone
Michael
Spampinato
Richard
Spanopoulas
Christine S.
Sparacino
Giuseppa M.
Sparacio
Florin J. Spariosu
James W. Sparling
Marilyn G. Speidell
Jermain Spencer
Christopher L.
Spera
John J. Spero
Gail Spielman
Nick Spiliotis
Mary Doreen Spiller
Rocco J. Spinelli
William R. Spivey
Lena M. Spordone
Ryan L. Springer
Jan N. Sprung
Christina
Squicciarini
Ralph A. Squillante
Maria P. Squitieri
Orly Sroka
Enide St Louis
Lisa A. St Rose
Jodi A. Stacom
Barbara A. Stagnitta
Judy C. Stagnitta
Peter J. Stahel
Margaret Staiano
Edward R.
Stainback
Tina Marie Stamm
Antonia Stamps
Ludmilla Stanco
Michael Stanco
Rocco Stanco
Sandra Stanley
Philip W. Stanton
Nancy Stanton
Molaro
Brian S. Stark
Robert M. Stark
Keith A. Starke
Ronald J. Starkes
Peter J. Stassi
Anna Stathes
Ann Staudte
Eugenio Stebelsky
Linda Stecker
Jamyce O. Steele
John P. Stefan
Concepcion
Stefanos
Bruce M. Stegner
Edward H. Stein
Kitty P. Stein
Steven M. Stein
Ellen B. Steinberg
Joni Steiner
William H. Stephan
Desmond A.
Sterling
Eugene Stern
Geil Stern
Leslye J. Stern
Warren Sternberg
Carl Sternlicht
Cheryl A. Stevens
Nancy M. Stevens
Jackie M. Stewart
Nadeen Stewart
Oluremi Stewart
Ronald B. Stewart
Sophia Stewart
Parchment
James T. Stidd
Josephine E.
Stockli
Sopanan Stojkovic
Maureen Stoll
Leslye Stone Kress
Debora J. Stonitsch
Roseann Stoothoff
Linda Stowell
William Strecker
Dimitra Strifas
Barbara J. Strugala
Kendra Stryska
Wendel A. Stuart
Carol Stuber
Mary F. Studer
Joanne Sturchio
Robert S. Sturchio
Cheng Yu Su
Diane L. Suba
Rishee Subick
Myra N. Suchman
Linda M. Sudano
Dennis K. Suen
Asif Sukhu
Carolyn Sullivan
Jacqueline Sullivan
Jean Sullivan
Karen P. Sullivan
Patrick J. Sullivan
Patrick J. Summers
Yunzhong A. Sun
Gretchen F.
Sundius
Ellie Sung
Susan
Surendranath
Rao R.
Suryadevara
Helen M. Susko
Elizabeth R. Suter
MaryEllen
Sutherland
Nikolay Suyunov
Val Suyunov
Eric Svitic
Barbara Swartz
Michael J.
Sweeney
Janice Sweet
Caroline P.
Sweezey
Joyce Swerdling
Patricia Swiney
Ricardo A. Sy
Susan S. Sy
Hudson L. Syffrard
Michael J. Symes
Amalia Molly
Symington
Eileen F. Syvertsen
Marilyn J.
Szczerbiak
Shingsang Sze
Barbara A. Szumski
Arthur N. Taback
Erick A. Tabar
Thomas F. Tabone
Nahid F.
Tabrizizadeh
Aimee Taddei
Anne F. Taddeo
Stephen D. Tafuro
Vicki M. Tafuro
Joyce C. Takos
Alan R. Talman
Ernesto Tamargo
Michael D. Tamsett
Jen Tsung Tan
Kenny Theam H.
Tan
Deepak Taneja
Louise Tantillo
Maria Tapalaga
Carmen Tapia
Theresa J. Tapia
William Tarantola
Andrei P. Tarasko
Sam Tardugno
Wieslaw
Tarnachowicz
Sheila Tarnowski
Percy C. Tatem
Daniel H. Tateosian
Donna Tavano
Gallo
Joanne Tavis
Albert W. Taylor
Betty J. Taylor
John F. Taylor
Linval A. Taylor
Eileen Tedesco
Christine A. Teevan
Regan A. Tegge
Harriram Tejsingh
Alex Tembelis
Frances Tembelis
Lai Kim Teng
Gerry Tengco
Deanna Tenhoopen
Nikolas Tentomas
Ingaun Teoh
Sabrina Teplin
Helene H. Terentiev
George Terezakis
Harry G. Terezakis
Daniel M. Tergesen
Patricia E. Tergesen
April Lee Terk
Antoinette Terlizzo
Lawrence A. Tesch
Lisa M. Testa
John Testaiuti
Anthony Testani
Doreen M. Teta
Sandra
Thackurdeen
Margaret S. Thall
George B. That
Nikki S. Thaw
Penelope A. Thaw
Edwin A. Then
Jane S. Thies
Angelina Thomas
Carlton A. Thomas
Mathew Thomas
Mildred Thomas
Sonia Thomas
Umberto P. Thomas
Courtney A.
Thompson
Dorothy B.
Thompson
Joan A. Thompson
Sonia P. Thompson
Ian H. Thornell
Kathleen T.
Thornton
Susan L. Tietje
Patricia A. Tietjen
Walter R. Tilford
Susan M. Tillman
Luisa C. Time
Katherine Timms
Jose F. Tineo
Jane Tintle
Nancy Tischler
Mathew M. Titus
Kam Yu To
Raymond W. To
Randolph H. Tolk
Lisa Tomasulo
Dairam Tomby
Wendy S.
Tomlinson
Angela Tonderella
Anny Tong
Sing Y. Tong
Wai F. Tong
Denise Torino
Bruce J. Torrani
Anibal E.
Torrenegra
Augusto O. Torres
Cristina Torres
Diana Torres
Edwin F. Torres
Nancy I. Torres
Olga Torres
Sandra Torres
Maribel Torres
Arana
Sofio A. Torres
Delarosa
Denise Torres Nieto
Angela Tortorici
June A. Tourin
John G. Touwsma
Manuel D. Tovar
Li Tiene Townsend
Joann Toye
Kevin Trager
Kristine K. Trager
Stephanie J.
Trahan
Diane Traina
Genine M. Traina
Patricia A. Trainor
Khirana Tran
Michael R.
Transom
Jeanne Trantel
Theresa R. Traskos
Tina Marie
Travaglino
Eugene J. Traynor
Steven Tregerman
Kenneth A. Trestka
Jeanne A. Trier
Matthew J. Tringali
Loc Trinh
Catherine M. Triolo
Marilyn Triolo
Todd A. Triolo
Larry J. Triplett
Thomas Tripodi
Mary E. Triquet
Srdjan Trofi
Maria A. Troia
Ilona Trokel
Lori Tromberg
Beldiny
Anthony J. Tronto
Tony Tronto
Karen Trovato
Ileen Truglia
Velia L. Trujillo
Victor Trunce
Dana L. Truta
Lin Lin Tsai
Tony Wen Tsai
Dimitri V. Tsalkas
James Tsempelis
Jacqueline M.
Tsenes
Dorjee Tsepak
Elaine Tsoukaris
Margaret Tsoukaris
Karoline J. Tuch
Nambudiri
Angela R. Tuck
Dearie T. Tucker
Louise Tudisco
Antoinette Tufano
John J. Tufarelli
Mehmet Turesinler
Christine D.
Turinsky
David J. Turinsky
Barry N. Turk
Erica E. Turner
Valerie Tuthill
Donna J. Twiggs
Vibha Tyagi
Barry M. Tyler
Danielle Tylutki
Raspanti
Imelda P. Tymon
Lisa A. Tyner
Robin Y. Tyrrell
Julia Tzortzatos
Maria Tzortzatos
Benjamin A. Udell
Thomas J. Uhlinger
Iboro A. Umanah
Patricia Umina
Jeannie C. Unger
Mita K. Uppal
Sylwia Urbanska
Lisa M. Urcuiolio
Stella B. Uvaydova
Anthony A. Vaccaro
Janet Vaccaro
Alfonse Vaiano
Diana L. Vaiano
Vincent Vaiano
Aditya Vaid
Bobbi S. Valdes
Joe A. Valente
Donna M. Valenti
Evelyn Valentin
Walea Valentin
Adrienne M.
Valentino
Cecilia Valentino
Virgil P. Valentino
Lourdes G.
Valenzuela
Jose F. Valerio
Julius R. Valino
Sheila Vallade
Valerie Van Cleef
John F. Van
Deventer
Judy L. Van Horn
Gina VanDenburg
Thomas
Vanderhoof
Heather M. Vanella
Manuel A. Vargas
Marilyn Vargas
Robert M. Vargas
Nancy Vargas
Johnson
John Varghese
Jose Varghese
Morris M. Varon
Daniel Varriale
Jerry Vasquez
Scarlett J. Vasquez
Freddy A. Vasquez
Touera
Katalin Vass
Edward C. Vassallo
Staci Vassalo
Gregory Vassilatos
Connie Vassos
Vincent M. Vastola
Toni A. Vatier
Alfredo C. Vaughan
Anne Vavrinec
Fred Vazac
Lisselotte Vazquez
Anthony R. Vecchio
Donna M.
Vecchione
Joanne Vega
Claire Vegliante
Gerard Veitch
Pamela L. Veitch
Elena R. Velasquez
Hector F. Velasquez
Segundo H.
Velasquez
Martin G.
Velazquez
Jaime A. Velez
Louise Velez
Sanija Velovic
Genovevo T.
Venenoso
Amy L. Ventura
Frances Ventura
Eli C. Vera
Nilson Veracruz
Patricia Verfenstein
Jesus A. Vergara
Ricardo L. Vergara
Verter Vergara
Angela Verni
Nelya Veselaya
Laura Veselica
Richard L. Vessa
John M. Vetrano
Joseph J. Vetrano
Frank Vetro
Denise P. Vicari
Alexander R.
Vicente
Edith C. Vickers
Elvis J. Vidakovic
Victor R. Vidal
Mario Vigliotta
Randall Vigmostad
Susan Vignati
Hughes
Andrea Vilardi
Wilfredo A. Villafane
Herman Villamizar
Carlos R. Villatoro
Hector F. Villatoro
Angel G.
Villavicencio
Stella Villegas
Suze Vincent
Janet Vineis
Ellen Vinson
Anthony J. Vitale
Anthony P. Vitale
Darlene J. Vitale
Eric N. Vithal
Cheryl M. Vittiglio
Rose Vittiglio
Joseph R. Vizzini
Jerry N. Vlachos
Carmela Vlacich
Konstantinos
Vlaikos
Joanne F. Vohs
Christine L.
Vollkommer
Karen J. Vollmer
Mary G. Volosevich
Stephanie Volovar
Richard J. Volpe
Zinaida Volynsky
Patricia
VonBraunsberg
Ajit Vora
Sofie Voyias
Kathleen A. Vukelic
Amy M. Vultaggio
Lidia Wacek Siders
Helene M. Wachter
Udochukwu E.
Wachuku
Leroy J. Wade
Ann Wagner
Barbara Ann
Wagner
James E. Wagner
William A. Waiksnis
Allan T. Wakefield
Antonina P. Walden
Regina M. Waldes
Kari M. Walia
Mandeep Walia
Dormanekia A.
Walker
Keri A. Wall
Treudler
Bernard Waller
Margaret M.
Walpole
Claudia T. Walsh
Midge Walsh
Tara L. Walsh
Una Walsh
Pamela A. Walsh
Boening
Debra C. Walsh
Gusler
Thomas Walters
Robert J. Walther
David B. Walti
Barbara J.
Wanamaker
Cheng Wang
Chi Yu Wang
Chin Feng Wang
Chiu Shang Wang
Cui Qin Wang
Kunlen Wang
Lin Wang
Ming Q. Wang
Nancy Wang
Pao M. Wang
Ren Wang
Xue Z. Wang
Yufeng Wang
Nadine J. Ward
Robin L. Ward
Maureen D.
Warfield
Lynda M. Waring
Ricciuto
Kathleen Warner
Carol A. Warren
Robin Warren
Dwayne
Washington
Sherita A.
Washington
Syed J. Wasim
Syed M. Wasim
Kimberly A.
Waszczak
Makeda C. Watkins
Stephanie Watkins
Elena Watson
Stefan M. Watstein
Dorothy Waxman
Denise Way
Jean M. Weber
Joanna Weber
Lorraine Weber
Thomas Weber
Krystyna M.
Wegrowski
Elyse M. Weigers
Jo-Ann Weilert
Mary Weille
Lori Weiner
Michelle Weingot
Paula S. Weinstein
Robert P. Weir
AnneMarie
Weisman
Kenneth Weisman
Lenora Weiss
Nurit Weiss
Richard H. Weiss
Scott Weiss
Stephen A. Weiss
Harry E.
Weissberger
Jennifer J.
Welcome
Suzanne H. Welling
George J. Wenk
Kathy J. Werler
Pamela S. Werner
Elinore West
Fred West
Karen L. West
Georgia Westcott
Mark Westcott
Isabel Westerlind
Richard Weyhreter
Carolyn M. Whalen
Melissa G. Whalen
Martha E. Wharton
Cathleen F. Whelan
Gerilynn Whelan
Katherine Whelan
Mary G. Whitaker
Carolyn E. White
Clive A. White
Donna M. White
Donna White
Louise M. White
Marguerite White
Van P. White
Sandra White
Johnson
Claire Whitehouse
Marie Whitman
Delva Whittle Allen
Norma L. Whyte
Joel L. Wichtendahl
Melissa Wickard
Bridget A. Widmaier
Ingeborg C. Wieck
Martin Wiener
Connie Wiermann
Catherine J.
Wierzbicki
Lorraine K. Wiesen
Morris Wiesenberg
Laura C. Wigger
Nancy Wightman
Evelyn L. Wilkins
Dwayne S. Williams
Elise Williams
Gloria H. Williams
Imran Williams
Lakeisha Williams
Noel Williams
Patrick C. Williams
Pauline E. Williams
Rosemary E.
Williams
Amy Williamson
Debra Wills
Virginia M. Wilmer
Clara Wilsdorf
Edward F. Wilson
Gregory R. Wilson
Howard J. Wilson
Jeanette Wilson
John H. Wilson
Keith R. Wilson
John E. Wilton
Soe S. Win
Jody Winarick
JoAnn Wind
Shari Windell
Evelyn L. Windsor
Jamie C. Winkler
Dennis J. Winnie
Carolyn J. Winter
Janis M. Winter
Patricia A. Winter
Belinda C.
Wiseman
Mary E. Wissing
Richard M. Witt
Rosalie C. Witt
Joan Wittreich
Lucy A. Wojcicki
Lauren B. Wolf
William J. Wolf
Denise Wolfe
Phyllis J. Wolkoff
George Womack
Ching Lan Wong
Elaine Y. Wong
Eva Wong
Foo K. Wong
Hesook Wong
Kelvin Wong
Sam E. Wong
Sau K. Wong
Christine Wood
Heidi L. Wood
Lisa M. Wood
Ruth A. Wood
Daniel J. Woodburn
Debra A. Woods
Patricia A.
Woodstock
Doris V. Wooten
Maria E. Wright
Michele P. Wright
Patricia A. Wright
Patrice A. Wright
Douglas
Michael Wroblewski
Amy Wu
John T. Wu
Ling Ling Wu
Peggy Wu
Yiyi Wu
Bonita D. Wyatt
Florence L. Wyche
Suzanne
Wyhowanec
Matthew A. Wynn
Nancy S. Wysocki
Peter K. Xafis
Calliope Xanthos
Helen Xiao
John Q. Xiao
Yonghui Xiao
Chun H. Xie
Yu Ping Xie
Petros L. Xinogalos
Lorenzo E. Xiques
Rong Q. Xu
Gloria J. Yaede
Rina Yakobowicz
Shan Yan
Guo Jun Yang
Hsiao Fang Yang
Jennifer Z. Yang
Joey S. Yang
Kyung Mo Yang
Ling Yang
Yisong Yang
Zhe Yang
Christine H. Yao
Jun Yao
Aleksandr
Yaroslavskiy
Dagmar M. Yastrub
John A. Yeamans
Lloyd Yearwood
Adeline Yellin
Julia Kit Yeung
Ricky Yim
Diana T. Yip
Evelyn Yip
Martin Yip
Haejung Yoon
Min S. Yoon
Sung Min Yoon
Susan Suk Yoon
Wonshik Yoon
Benjamin M. Young
Maria A. Young
Monique Ann
Young
Raymond Young
Susan L. Young
Hilberer
Debora A. Younger
Jeffrey C. Younger
Patricia Yovino
Todd A. Yovino
Michelle Yu
Tommy Yu
Yu Yuan
Janette M.
Yuengling
Teresa Yuksel
Jay Yun
John S. Yunitis
Gerard F. Yurasits
Esin Yusufi
Elizabeth A.
Zabielski
Lynda L. Zacpal
Martha L. Zafra
Jeanne Zagardo
John P. Zagari
Jeanette Zagon
Robert Zaher
Syed I. Zaidi
Abu Zaman
Madeline
Zambrano
Richard V. Zand
Mohsen Zandieh
Daniel J. Zani
Penelope Zannikos
Angela C. Zapata
Johnny M. Zapata
Virna L. Zapata
Marlene E.
Zaretsky
Kiumars Zargari
Walter J. Zavala
Thomas Zazarino
Teresa Zboray
Rafal Zbrzezny
Arlene Zebatto
Francis E. Zecchini
Carole Zeilman
Linda Zelin
Joanna R. Zelonski
Sondra E. ZeltinsSiering
Rozana
Zemlyansky
Xue W. Zeng
Isabel Zenocratti
William R. Zezelic
Julia M. Zhagui
Cindy Zhan
Ken M. Zhang
Nancy X. Zhang
Wen Zhang
Xiao Kai Zhang
Xiong Qiang Zhang
Xiuli Zhang
Yijia Zhang
Ben Yang Zhao
Rui Fang Zheng
Sam Zheng
Zhong Yong Zheng
Hai Yan Zhu
Min Li Zhu
Yu Zhu
Monica Zicolella
Risa Ziegler
Patricia M. Ziese
Panagiotis Zikos
Jaishree M.
Zilpelwar
Stanley Zimiles
Richard A. Zimmer
Andrew P.
Zimmerman
Eleanor
Zimmerman
Rhoda Zinn
Ellen M. Zipes
Marc A. Zirogiannis
Maria Zirpoli
Veronica M. Zito
Marilyn S. Zitz
Michael S.
Zmaczynski
Ziv Zmora
Milton Zoldan
Rosemary Zollo
Michelle Zorbas
Raymond A.
Zorovich
Ira Zucker
Steven R. Zucker
Jeannine Zultko
Joseph Zwart

Possible Relief Ahead for Homeowners and REALTORS

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