CREIA ReportCarolinas Real Estate Investors Association –Member of the National Real Estate Investors Association (NaREIA) • July 2008

CREIA’s July meeting will be held July 14 beginning at 6:00 p.m., A-B Tech Enka Campus off

I-40 at exit 44, .5 miles west on 19/23 toward Candler. Coming from I-40 toward Candler on

19/23, turn left at Sandhill Road and the new campus (old BASF plant) will be on your left.

July meeting

JulyProgram

An evening with John Maltry

“Mortgage Secrets

Exposed” July 19 –

“One Weekend Toward

A Better Future” Aug.

22-24. See Inserts.

CREIA’s main meeting July 14 will

feature “An Evening with John Maltry.”

The old-style interview format will high-

light John’s remarkable career in investing,

which spans some

unusual projects in

many markets and

property types.

His rationale has changed over time,

but his attention to analysis and future

potential has operated throughout.

The thrust of the interview will be to

help open our minds to the many oppor-

tunities in investing and to understand

CREIA’s 12-week Professional

Housing Provider (PHP) course will

begin Sept. 4 at A-B Tech’s Enka

campus and meet each Thursday

through Dec. 4. (There will be no

class on Thanksgiving).

PHP is designed to teach land-

lords and others how to manage

housing properties in a way that is

professional, legal and ethical while

maximizing the bottom line.

“If you are currently a landlord

or an aspiring one,

you will greatly

benefi t from the

PHP course,”

said Bill Choate,

who is directing

the program this year. “Not only will

you have a comprehensive education

and the local recognition, but your

business will run smoother.”

The class will meet at 7 p.m.

each Thursday and last about three

hours. The cost is $199 for CREIA

members and $229 for non-mem-

bers, including the textbook “Every

Landlord’s Legal Guide.” Couples

can sign up for $149 (each person).

Those wanting to attend can sign up

at CREIA meetings or by calling the

CREIA offi ce and talking to Palin

Sprunce.

This is a well-rounded certifi cation

program for anyone who is currently

or plans to be a landlord or property

better how this man thinks about poten-

tial projects.

John is a recent past President of

CREIA and part of the instruction

team for the long-running Basics Class.

John has always been strongly motivated

toward helping fellow investors, and

CREIA has been the benefi ciary.

The Hot Seat portion of the program

will feature a presentation by our local

Tenant Qualifying Agency updating us

on the rules, their services, and an an-

niversary dividend to CREIA members

only.

PHP courseset forSeptember

Cash Flow 101CREIA members enjoy a rousing game of Cash Flow 101. The new focus group

meets 2 to 6 p.m. on the second and fourth Sunday of each month at the Sklyland Fire

Department. Judy Clodfelter says the game is fun and educational. The group would

like to buy some additional copies of the game. If you have any to donate or sell at a

reasonable cost, contact Judy Clodfelter.

– Continued Page 2

2 - CREIA Report

PHP– From Page 1

Have a game plan for successful investing

– Continued Page 3

manager, according to Choate.

“The curriculum covers everything

you need for tools in managing proper-

ties from bookkeeping to eviction,” he

said. “Every class is taught by an expert

in their fi eld.”

The fi nal class will be a wrap-up and

graduation for those students who have

completed 36 credit hours by attending

the 12 classes. Arrangements will be

made for participants to make up one

missed class.

Students who complete the program

will receive certifi cation recognized by

the National Real Estate Investors As-

sociation and will be entitled to use the

PHP logo for advertising and recognition

purposes.

Seating is limited and is based on a

fi rst-come, fi rst-seated basis, Choate said,

advising those who want to take advan-

tage of this opportunity to make their

payment to the CREIA offi ce as soon as

possible to reserve a seat.

Anyone with questions can e-mail

them to williamhchoate@bellsouth.net.

By Larry Goins I want to share with you some ideas on

using real estate to become debt free and

build your cash reserves. It has worked

for me, and I have also shared this with

many other investors and it has worked

for them also.

Many investors start out in real estate

thinking that you have to “have money to

make money”. That is not the case at all.

You will need one of two things,

though; either good credit or cash. Re-

member that it doesn’t have to be your

cash or credit as far as that’s concerned.

It’s OK to start out with other investors

until you can do it on your own. I would

rather share the profi ts and have some of

something rather than all of nothing.

We only buy when we can get paid

and still cash fl ow the property. Let me

explain. Let’s say you find a property

that has an after repaired value or ARV

of $100,000. Because the property needs

$20,000 in work, you can buy it for

$50,000. Now you will be in the prop-

erty at 70 percent of value once the work

is done.

Whether you paid cash, borrowed

from relatives or got a hard money loan

for purchase and rehab makes no differ-

ence. Once you have a $100,000 prop-

erty, you can now refi nance at 80 perce nt

loan to value or LTV and after closing

cost pull out about $7,000 to $8,000 in

tax free cash.

Yes, you do not pay taxes on borrowed

money. But just remember that it is still

borrowed money and has to be paid back,

even if it is the tenants that are paying it

back. I do not recommend refi nancing

over 80 percent loan to value. This way

you still have some equity for your fi nan-

cial statement and the property should

cash fl ow with no problem.

Now, what do you do with the cash

out from the refi nance that you just re-

ceived? No you don’t buy a new car, go to

Vegas, or anything like

that. You simply pay off

a credit card, install-

ment loan, your car,

your equity line, etc.

You can buy real estate

and get cash to pay off

your personal bills and

increase your cash fl ow

from the rents at the

same time.

If the property you

just bought and ref i-

nanced has a $200 cash

fl ow but you also used

the cash out to pay off your car that has a

$300 payment, how much did you really

increase your cash fl ow? $500!

Every time that you buy a property,

think about what bill you will soon be

able to pay off. Once you have all of your

consumer debt paid off, then you start

paying off your home that you live in.

Once your home is paid for, then you go

to your banker and get a line of credit on

your home to use to buy and rehab prop-

erties. Then you simply refi nance once

the work is done and pay off the line.

It is much easier to negotiate with a

seller when you can simply write a check

to purchase their property. Then when

you ask a seller the least they will take if

they can have a check by Friday, you can

back it up.

Sure it may take some time to get to

this point, but once you have become

debt free (with the exception of rental

property, of course), it opens up so many

options for you to do things that you have

never been able to do. Not to mention the

peace of mind.

We have a property analysis form that

we use to determine if a deal will fi t into

this plan. The form even shows the cash

CREIA Report - 3

Board discusses accounts, conference

– Continued Page 5

• Repairs • Remodeling • New Construction

• Water Heaters • C.O. Work • Drain Cleaning • Code Updates

Call us for all your plumbing needs

684-5328LivingstonePlumbing@gmail.com

Livingstone Plumbing

Family Owned & OperatedSince 1989

CREIA’s Board of Directors met

June 2. Attending were George Lycan,

Jim Hitt, Nicole Rogers, Bill Goacher,

Michael Kenny, Roy Chapman, Rob-

in Russell, Mike Clodfelter and Palin

Spruance.

The board agreed to put the build-

ing fund and the general funds in two

FDIC-insured accounts. Palin Spruance

said it would be best to have new fi nan-

cial resolutions for each new board.

The board discussed issuing advance

funds for those going to the Mid-Year

conference. Motion was made and ap-

proved to have $1,200 checks given to

each attending board member.

George Lycan emphasized that direc-

tors need to keep a look ahead at poten-

tial members who could take on board

roles and help work them toward that

goal.

Directors noted that they would like

to have the main meetings videotaped

each month and then have them available

for sale to members or anyone else – pos-

sibly on the Web site or at the meetings.

The board also approved Revision

A to the Standards of Conduct, which

changed the following in Article VI:

The statement, “Investors shall present

for sale at Association meetings and other

Association forums only those properties

in which they have a legal interest,” was

amended to say:

“Investors shall present for sale at

monthly association meetings only those

properties in which they have a legal in-

terest.”

Jim Hitt reported that the hotel was

perfect for the Real Wealth Expo that

CREIA sponsored recently. Four ven-

dors’ fees paid for the refreshments.

About 40 people attended each day, most

of whom were CREIA members.

The Expo grossed about $75,000,

which might yield approximately $10,000

profi t for CREIA. CREIA will receive

the fi nal accounting from the promoter

in about 30 days. Feedback was good.

Roy Chapman suggested establishing a

committee to head this project up next

year as Jim Hitt would like to take a back

seat.

The board also agreed to let TECO,

a corporate sponsor that has has been

working with CREIA for 10 years, to

offer an appreciation package with spe-

cial rates for CREIA members effective

6/1/08.

The board noted it needs someone to

police members who are still putting fl y-

ers on tables and the need to have a table

Robert P Tucker IIAttorney at Law

168 B South Liberty Street

Asheville, NC 28801

Our diversifi ed staff services Western North Carolina

area with a concentration in real estate purchases and

refi nances. We are knowledgeable with 1031 exchanges,

foreclosures, creditor collections and many, other aspects

of real estate investing.

Phone: 828-252-9747

Fax: 828-252-9092

tuckerlawfi rm@bellsouth.net

Creative Specialist in Real Estate Lawfor Every Investor’s Needs

fl ow, cash out and equity gained by purchasing each property.

If you would like a copy, please visit the “Freebies” section of

www.larrygoins.com.

I hope you have enjoyed this article. For more articles on real

estate investing, to sign up for our free newsletter and listen to

free weekly training teleconferences please visit my website at

www.LarryGoins.com,m where you will also fi nd free forms,

documents, EBooks, Downloads and more. Also visit www.

FinancialHelpServices.com for investor fi nancing.

Game Plan– From Page 2

4 - CREIA Report

CREIA Report - 5

David Grady

I BUY HOMES828-216-5425

DAVID@IBUYHOMESLLC.COM

Visit us at: ibuyhomesllc.com

Updates on New Listings.Just email me with your name, address and phone at david@ibuyhomesllc.com

Board– From Page 3

for member fl yers every month. Directors emphasized that you

must be a sponsor to be able to put fl yers on the tables.

Roy Chapman reported that the Metrolina real estate inves-

tors association wants to withdraw from the coalition and let

NAHRI do lobbying. The National Real Estate Investors As-

sociation is going to ask Metrolina not to do this, noting what

effect it would have on the coalition.

The CREIA main meeting will always provide a nice meal

for $5. It is an individual sack prepared by our vendor. It in-

cludes one sandwich, a bowl of salad, one fresh fruit, a dessert,

bag of chips and a napkin. It will be available until 7:15 p.m.

Meet and eat

Picnic: September 13!!Please reserve the Sept. 13 date on your calendar for CRE-

IA’s annual picnic at lake Julian, always a favorite with members

and their families. This year we have reserved Shelter No. 1,

which is the one nearest the water.

6 - CREIA Report

Investing in rental property: things to consider

By Joe LaneThere are countless tips on real es-

tate investing available, and this is by

no means intended as a comprehensive

list. While every investment has its own

intricacies and problems that need to be

worked out, there are some very basic

aspects that are common to most invest-

ment properties. Understanding those

aspects and asking questions about them

can help you determine whether a par-

ticular real estate investment opportu-

nity is for you.

1). Anything can change.

Building in the capacity for change

in your investment is not only good real

estate advice, but good life advice. As-

pects of an investment can change at

any given time, and building in a little

cushion in your profit projections for

that change will most likely give you a

better outlook on the possible outcome of

your investment.

This is especially true for something

like the tax climate of your investment

as changes in tax laws happen regularly.

If the tax situation surrounding your in-

vestment is the only thing you like about

it, it is probably not a sound investment.

Solid investments can withstand changes

in the tax code, so never rely solely on the

stability of tax codes, you will be sorely

disappointed.

2). Do what you know.

It is tempting to get involved in real

estate investment opportunities outside of

your comfort zone. Maybe the terms look

good or the area is nice, but your lack of

expertise in the fi eld will ultimately hurt

you over the course of the investment.

Remember these fi ve real estate investment tips

If you are well versed in multi-family

homes, do your best to uncover the best

investment opportunities in that fi eld.

If your bag is fi xer-uppers, stick with it.

Success is diffi cult to replicate so if you

have a knack for something, exploit it.

3). Compare, compare, compare.

As any real estate agent will tell you,

valuations for a new home put on the

market are a direct refl ection of other

sale prices of similar properties in that

area. Your potential investment is the

same way. If you are going to rely on

rents to make back the money spent on

the investment, compare the rents your

prospective investment property takes in

against similar properties in the area. Are

they too high? If so, that may indicate fu-

ture trouble fi lling the building at those

Don LearFinancial Advisor

UBS Financial Services Inc.138 Charlotte StreetAsheville, NC 28801Tel. 828-250-3513, Fax 828-258-0516Toll Free 800-435-6503don.lear@ubs.com

– Continued Page 7

CREIA Report - 7

INVESTING MADE EASY!See Every Residential, Multi-Family, Land,

Or Commercial Property On The Market At:

www.TalkToToby.comor sign up for my “Just Listed Alert” and get automatic emails of

properties the second they are listed.

Call Now!

670-1500Or Email TalkToToby@charter.net

“BUYERS”

Ask About My

$1000 Toward

Your Closing

Cost Investors

Program

“SELLERS”

Ask About My

“Full Service,

Reduced

Commission”

Investors Pro-

gram

prices, which then cuts into your profi t forecast.

If you are getting involved in a fi xer-upper, compare what

you think the home will be like in the future to homes that

have sold that look similar to that now. Doing so will help you

estimate your eventual sale price and the amount of money you

should invest to net a decent return.

4). Hammer down true expenses.

Just as you want to examine what your incoming cash fl ow

will be on any real estate investment opportunity, you want to

investigate your outgoing cash fl ow as well. What are the key

costs involved in running the property? What are the taxes on

the property? How much does it cost you when part of your

multi-family property is vacant?

Sometimes properties can look great when you examine the

rent payments coming in but then lose their luster when you

look at the cost of running the facility. You need to investigate

both sides of the story to get an accurate view of the fi nancial

future of your investment.

5). Know the building.

In real estate investing, surprises are usually costly. Not only

should you do a full walk through of the prospective invest-

ment yourself, you should also look in to hiring an indepen-

dent, professional inspector as well. Uncovering problems with

the foundation, roof or furnace early can save you from making

a poor investment or give you ammunition to negotiate.

Not all real estate investments are the same, and you will

likely run in to a unique problem on every property you pursue.

However, by sticking to the tips here, you can give yourself a

great foundation from which to operate. Above all, pursue in-

formation on the property as vigorously as possible to eliminate

the possibility of regretting your investment later.

(Joe Lane is co-owner of The Lane Real Estate Team at http://

www.joelane.com.)

Rental– From Page 6

Rubbing Elbows 101: Networking to success

8 - CREIA Report

Any Home Repair

Licensed and Insured General Contractor

Experienced in repair and cleanup

of rental properties

RemodelingMajor and Minor Repair

CarpentryPainting

Roof RepairDecks

Tile and Vinyl Floors

Good References : Free Estimates

Todd Hammond(828) 243-0535

By Lee Salinas It’s funny the effect one little word can have on some people.

Do you cringe at the idea of networking? Do you dread walk-

ing into a room full of strangers? Do you think that networking

events are a waste of time? If so, you’re not alone.

Be honest now. Have you been to a REIA meeting and

felt very uncomfortable about what to do, who to talk to, or

what to say? As I talk to more and more “newbie” investors, it

becomes obvious that many of them have a vague idea of what

networking is, but really no idea how to get started or how to

be effective.

If truth be known, successful investors will readily admit

they did not achieve success on their own. They surrounded

themselves with a well-developed, sophisticated support net-

work.

Successful investors learn very quickly that when you con-

nect with the right people, they can connect you with the right

people. The right investors will lead you to other people that

can help you with your need. Get in the habit of asking: “Can

you refer me to anyone else?”

Networking is an effective way of seeking wholesalers, pri-

vate lenders, mentors, and other support systems to grow your

business.

However, it also entails going outside your comfort zone

and challenging yourself. And this is where the rubber meets

the road (no pun intended). You can become a comfortable,

successful investor. Networking does not require some magic

“hypnotic power”. It’s not some “secret system”. It only requires

for you to have a way to build relationships. It’s simple, it’s easy,

and anyone can do it.

So why do so many investors get it so wrong?

For starters, many investors have the wrong idea about net-

working. It’s not something you turn on at a REIA meeting

when you fi nd yourself anxiously looking for a private lender or

an investing partner. It doesn’t require you to be pushy, to be a

“schmoozer” or to have that ability to snap your fi nger, point at

someone and say “Hey, let’s do lunch!”

Investors with this attitude fail to realize that networking is

a process over time. If done effectively, their needs will be met

with less effort and greater satisfaction. It needs to start well

before you need something.

Here are some tips to make networking less stressful, more

fun, and a valuable tool for your real estate investing business.

Tip No. 1: Successful investors always carries their business

cards with them. They have stacks of cards in their daily plan-

ner, purse, wallet, briefcases, and in their car. Successful inves-

tors know their card is a crucial promotional tool and ensure

that the information on it clearly has a way for others to call

back or send an email.

But a word to the wise. Building relationships is more im-

portant than collecting lots of business cards. Think quality vs.

quantity. It is better to connect deeper than on the surface.

Tip No. 2: When you meet the successful investors,

they will ask you questions about yourself and your investing

and they will genuinely listen to you. They will focus their at-

tention on you and maintain eye contact. They will ask you for

your business card and offer you one of theirs.

You should genuinely focus on the person and their interests,

concerns, and goals. Remember, you’ll need to step out of your

comfort zone.

Tip No. 3: The successful investor will write on the back

of your business card where they met you and a couple of key

points about you, so they remember who you are. I prefer to do

this immediately afterwards if possible so that I absolutely do

not forget the one or two things about you that impressed me.

Tip No. 4: The successful investor may provide you with

a contact to help you and will expect nothing tangible in re-

– Continued Page 9

CREIA Report - 9

Elbow– From Page 8

turn because they know that what goes around comes around.

Most “newbie” investors can’t comprehend this critical concept,

so they refrain from approaching more successful investors.

Worst-case scenario, the successful investor will refer you to

someone else if he or she can’t help you. But you have to ask for

the contact.

Tip No. 5: The successful investor will have a follow-up

system. They will enter the details of the relevant contacts they

have made into some sort of database and communicate with

those people within a few days. I was recently at the Mitch

Stephen Investor Center grand opening. During the grand

opening festivities, I briefl y talked to a private lender and we

exchanged business cards. Although I have solid relationships

with several other private lenders, I followed up with a phone

call several days later. I’m now in the process of forging a re-

lationship with another private lender that will open up even

more investing opportunities.

So you need to follow up. You will want to call, send an e-

mail, a card or a letter saying it was great to meet them. Be sure

to include a couple of tidbits about what impressed you about

them when you fi rst met them.

Tip No. 6: It is important to thank the investors with

whom you network for their time and effort. And of course,

your turn will come when you are asked to return the favor.

I am constantly amazed how many times I have done a good

favor for someone and was not thanked. Thanking someone

for sharing his or her time is a basic common courtesy. Don’t

neglect to do this.

Networking is a word frequently used by many “newbie”

investors, but a practice they rarely employ. If you’re new to

investing, don’t be one of them. Networking can produce

outstanding results if you know how to harness its awesome

power to secure your investing success.

Never underestimate the power of networking. It works if

you work it. I know because it has played a huge part in the

success of my own real estate investing business. You can grow

your business as big as you can grow yourself.

Start now!

(Lee Salinas, who describes himself as “a serial rehabber,”

provides coaching and mentoring at www.LeeSalinas.com

and offers a real estate business plan at www.realestatebizplan.

com)

Article Source: http://EzineArticles.com

10 - CREIA Report

CREIA Report

CREIA Report is published monthly. Newsletter editor is Tim Reid. Articles submitted are the express opinions and comments from various inde-pendent CREIA members and outside sources.

CREIA members are urged to submit articles for publica-tion. Deadline for articles to be published is the third Wednes-day of each month.

1. Study other successful landlords to

fi nd the good traits and practices they

use. Both by reading the MrLandlord.

com Q&A on a regular basis, top rec-

ommended books, to read, join a local

landlord association.

2. Develop a written rental criteria

list. Now if you are in a hard to rent, hard

to fi nd good tenants, and are desperate to

rent quick because you are having cash

fl ow problems with vacancies,well, then,

you have other problems to fi x.

3. Develop telephone screening ques-

tions to fi nd out if the callers meet ALL

of your written rental criteria, or if not

100%, do the callers warrant looking

into further detail via rental application.

4. Speaking of rental application, con-

tinue to change your rental application to

seek perfection.

5. Lease/Rental Agreement-like the

continuous perfect of the application,

continue to update your lease to provide

you with the contract information for a

court judge to consider in your favor.

6. Speaking of judges, fi nd your states

LL-Tenant state laws site, the one that

spells out the actual state codes, then re-

read and memorize, and then come back

every so often to re-fresh/re-read every

few months.

7. Late Rent-follow your state laws and

fi le in court as soon as you are allowed to

minimize the days of non-rent payment,

remember this saying, “No Pay-No Stay”,

do not accept whining stories and tenant

sob stories, this is a LL business, always

think from a business viewpoint, aside

the idea of I want to help them, ask your-

self, are the tenants trying to con you?

8. Maintenance-fi rst of all, when you

have a turnover, fi x, patch, paint, etc. and

make the rental spickity span condition

before the new tenant moves in. Second,

respond to all tenant maintenance issues

quickly and fi x the problem issues.

9. Speaking about maintenance, de-

velop a network of dependable contrac-

tor/service folks, ones who charge a fair

price and response time. Develop a prior-

ity system of how soon the fi x-its need to

be done, ranking from emergency-need it

done immediately to non-emergency-do

it when you can work it into your other

work schedule in the next few days, the

service folks will often respond in kind.

10. Practice good business ethics at

all timesbe fair, be honest, be open and

communicative, treat all the same way.

11. When you have a problem issue

come up with a certain tenant, listen to

them, respond with your assessment of

the situation, perhaps give a little, i.e.,

when a new tenant is late paying rent, I

tell them I will hold the late fee assess-

ment this time, if they are never late pay-

ing rent again, however, if they are ever

late again, they will have to pay original

late fee as well as other lates.

12. Learn to always be suspicious and

on guard for tenant trickery. Like young

children, they might sometimes test you,

you have to recognize when they are do-

ing that, and send them a stern warning

that those type of tests are not acceptable,

and that the LL is in charge, and the ten-

ant is not!

The above tip is shared by Irish(MD),

one of the regular contributors to the

popular MrLandlord.com Q&A Forum.

If you would like to read more of the

top tips suggested by other landlords or

add your tips to the list, please visit and

explore our site.

Top twelve things for landlords to do

For advertising info, Roy Chapman

(828) 255-8191 / Cell: (828) 775-8191

mountainNC@aol.com

Target Your

Market

CREIA Report – 9

Each month the CREIA newsletter reaches a select group of active real estate investors. If you have a trade, service or business, or property to sell or exchange or any other advertising need, run an ad in this newsletter.

Standard Advertising Rate Schedule Member Non-MemberBusiness CardSize $ 15.00 $ 20.001/4 Page Ad $ 30.00 $ 40.001/2 Page Ad $ 60.00 $ 80.003/4 Page Ad $ 90.00 $ 120.00Full Page Ad $ 120.00 $ 160.00Insert $ 200.00 $ 250.00

Discounts10% discount for 12 months paid in advance (applies to standard advertising only)

Set Up ChargesIf ad is not camera ready, the following typesetting/setup charge will be added to bill: Full page $50; 3/4 Page $40; 1/2 Page $30; 1/4 Page $20; Business Card Size $10; revisions to completed ads will be charged by time: $35/hr.

Deadline and PaymentAll advertisements must be prepaid and received no later than the third Friday of each month for the next month’s issue. Mail check (payable to CREIA) to PO Box 615, Asheville, NC 28802. Mail or email ad (camera ready or roughed out) to The Word Shoppe, P.O. Box 5504, Asheville, NC 28813. Email: dave@wordshoppe.com.

Editing and Right of RefusalCREIA reserves the right to edit ads or to refuse ads.

Corporate SponsorshipCorporate Sponsors may display their promotional materials and business cards at the monthly meeting on the sponsors’ table. Each sponsor has an opportunity to talk about his/her business at a scheduled monthly meeting and/or write an article for the newsletter.

Option A – 12 business card ads – $400Option B – 12 quarter-page ads – $475

Advertising Rates

New members: $150 • Membership Renewal: $100 ($25 for a second member living in the same household)

Note: All members will receive a renewal form by U.S. mail during the month of their expiration. Each member will

have sixty days in which to renew his membership at the lower $100 or $125 (with signifi cant other living at the

same address) rate. However, after sixty days have elapsed, the cost of joining as a new member will be reinstated

at the full rate of $150 or $175.

Member Name

2nd Member’s Name

Address

Phone: H W E-Mail Address

Level of Experience (check 1) ❏ Novice ❏ Intermediate ❏ Advanced

Would you be willing to share your expertise with others? ❏ Yes ❏ No

Committee(s) I might be interested in working on:

❏ Programs ❏ Library

❏ Finance ❏ Membership

❏ Newsletter ❏ Focus groups ❏ Marketing

Date Amount Paid

Make check or money order payable to: CREIA and mail to: CREIA, P.O. Box 615, Asheville, NC 28802.

If paying by credit card: ❏ Mastercard ❏ Visa

Name On Card Number: Expiration Date

Signature:

For membership information, call Liz Talmadge, 828 775-7355, sellersolutions@charter.net. or visit www.creianc.org

The Association is an educational organization only and does not offer investment, legal, or accounting advice of any kind

and is not liable for any action or inaction taken or not taken as a result of its communications.

CREIA Membership Application

Memberships Expiring in July Ashley ChildersBob BallardBob RicchettiC. L. “Mickey” HoughDavid MaggardDiana Christopher

Jerry MassieJohn MaltryJonathan MyersMargee ChmielewskiMax HanerNorman Rabek

Richard RicchettiRon ParkerRonald WallsRuth LedesmaTammy PowellW. Ralph Freeman

Wayne BaileyBill ChoateAmy MastRobert AndersonRosa AndersonDan ArnoldLaurel Taylor

PO Box 615

Asheville, NC 28802

NC State Convention Jim Hitt/CREIA Board(828) 257-4949pokerjch@aol.com

Programs/Focus GroupsJudy Clodfelter(828) 683-4799silversrosebud@aol.com

Main MeetingBill Goacher(828) 216-6066goacherints@juno.com

Saturday SeminarsMike Clodfeltermikeyclodfelter@aol.com

Wayne Bailey828 275 4566wayne_bailey642@hotmail.com

CREIA is an educational organization and investors should consult an at-torney or accountant before making an investment. All members and guests

assume the risk of making their own investment decisions.

Upstate CREIAPresident, Deb Sisson, (864) 313-2101Debsisson@WeBuyHousesSC.comUpstateCREIA@yahoo.com

CREIA Info Line (828) 255-2727info@creianc.org • www.creianc.org Event Registration 1-800-477-1778

PresidentGeorge Lycan(828) 231-4246glycan@charter.net

Vice-President Nicole Rogers (828) 242-4501nbrogers@gmail.com

SecretaryRobin Russell(828) 687-7404robinrussell@mchsi.com

TreasurerMichael Kenny(828) 674-0895mikenny1@yahoo.com

Vice President - EducationJohn Erwin(828) 216-9155jlerwin@charter.net

Vice President - Member ServicesJim Hitt(828) 257-4949pokerjch@aol.com

Vice president - MarketingRoy Chapman(828) 255-8191Cell: (828) 775-8191mountainNC@aol.com

Board Member EmeritusBill Goacher(828) 216-6066goacherints@juno.com

CREIA board of directorsCREIA board of directors CREIA committee chairsCREIA committee chairs

ProductionMelinda Hendershottinfo@kensoproperties.com

Member Services

MembershipLiz Talmadge(828) 775-7355sellersolutions@charter.net

Yahoo Groups

Alex Van Dalenavdcc@bellsouth.net(828) 242-8542

Area REIAsArea REIAsFoothills REIAPresidentGlen Woodfi nfoothillsreia@yahoo.com

MarketingNewsletterTim Reidtimreid4@charter.netHome: (828) 683-9943Work: (828) 681-1900

WebmasterJohn Noce(828) 255-9576mail@hotjohnnie.com

LibraryJim Miller

Sponsors & Ad Sales

SalesBrian Fuchs(828) 251-1400real estate @windsweptmarketing.com