DESCRIPTION: Provide crucial information to real estate professionals about divorce that affects home finance and current or future home ownership. Owning a home or trying to buy another home can present a variety of challenges during and after the divorce process. Specifically, the common frequency of child support and/or spousal support (also known as maintenance or alimony) that stems from divorce can affect a spouse keeping the marital home, or a spouse buying another home. Further, each type of support carries its own benefit or consequence in consideration of a mortgage application which can ultimately prevent, or greatly reduce, home finance options for both divorcing spouses. Commonly, divorce decrees call for a division of the marital home because it is an asset that must be divided, and usually has equity to be divided. If certain finance requirements are not met for the spouse retaining the marital home, it may place one or both of the divorcees in precarious financial situations or, in extreme cases, one could be considered in contempt of court. Thus, it is the goal of an accredited divorce mortgage specialist to evaluate and determine all potential financing or approvability issues before or during the divorce process that could prevent conclusion of the divorce, or expose divorcees to future financial difficulties that put the martial home at risk.

INSTRUCTORS: Joan Rogliano – Real Estate Divorce Specialist
Joan Rogliano is known throughout the US for helping families survive the most difficult problems of divorce.  Through her real estate practice, speaking and consulting, she has helped more than 5,000 families with legal, housing, and financial divorce issues.  She teaches them how to reduce stress, diffuse conflict and create a solid financial future.  Nationally recognized as a Real Estate Divorce Specialist, she created the Wildflower Group in Denver, part of a nationwide network of more than 100 divorce professionals.

Tim Lacyk
Tim is the preeminent mortgage professional in Colorado, humbly assisting thousands of buyers with home finance needs. Tim’s tenure in the mortgage industry stretches over the last decade. In that time, he provided perspective homebuyers and divorcees with credible and honest information to make informed decisions. He prides himself by thinking outside the box to protect his clients and ensure they receive best, ultimately winning offers and protecting homes. Accredited with a certification to assist divorcing couples from an Ivy League professor, Tim provides pre-divorce mortgage planning to the benefit of homeowners actively in process of, or thinking about, divorce. Tim is a Colorado native, University of Colorado Alum, and has enjoyed the Denver area as his home since 2001, residing in the Cherry Creek neighborhood. He enjoys travel, a lovely glass of wine, photography and art, and assisting his clients with one of the biggest decisions in life.

SMDRA Member Price: FREE
All Others: $20

CE Credits: 2
Smart Points: 2

Refreshments provided by SMDRA Affiliate Member:
Pat Argall with Caliber Home Loans

DESCRIPTION: During this class, you will learn your rights and obligations of being a REALTOR®, including any changes, as set forth in the Code of Ethics. The National Association of REALTORS® requires all members to take an Ethics Update course every TWO years – within a set timeframe. NAR Ethics Cycle 5 is 01/01/2017 – 12/31/2018. Membership can be suspended if REALTORS® fail to complete this class within the cycle. Please Note: This requirement is distinct and separate from the Colorado Real Estate Commission Annual Commission Update (ACU). The Ethics Update will apply toward elective credits for license renewal.

INSTRUCTOR: Ray Sherman
Ray started his Real Estate Career in 1979 and has been a Manager/Trainer/Coach since 1983 when he opened his first office. He has been a Broker for Century 21, Moore and Company, Coldwell Banker Van Schaack, Keller Williams, Equity Colorado and now eXp Realty. Ray has managed offices as large as 350 agents and his KW office was the #1 office in Colorado in 2006. Ray is an excellent trainer and was selected as the Colorado Association of Realtors, Educator of the Year in 2007. He was the Realtor of the Year for SMDRA in 2017. Ray currently teaches the Colorado Real Estate Commission update class, plus the Ethics and GRI classes for various Realtor Associations. He also serves as a Mediator for the South Metro Denver Realtor Association.

SMDRA Member Price: FREE
All Others: $40

CE Credit: 3 Hours

Refreshments provided by SMDRA Affiliate Member:

Douglas Krueck with Pillar to Post Home Inspections

DESCRIPTION: NAR Ethics Update must be completed during NAR’s set cycle. If you failed to complete the course between 01/01/2017 and 12/31/2018, you must take this class to keep your membership in good standing. If a makeup class is not completed by 03/01/2018, your membership will be terminated.

INSTRUCTOR: Ray Sherman
Ray started his Real Estate Career in 1979 and has been a Manager/Trainer/Coach since 1983 when he opened his first office. He has been a Broker for Century 21, Moore and Company, Coldwell Banker Van Schaack, Keller Williams, Equity Colorado and now eXp Realty. Ray has managed offices as large as 350 agents and his KW office was the #1 office in Colorado in 2006. Ray is an excellent trainer and was selected as the Colorado Association of Realtors, Educator of the Year in 2007. He was the Realtor of the Year for SMDRA in 2017. Ray currently teaches the Colorado Real Estate Commission update class, plus the Ethics and GRI classes for various Realtor Associations. He also serves as a Mediator for the South Metro Denver Realtor Association.

SMDRA Member Price: FREE
All Others: $40

CE Credit: 3 Hours

Refreshments provided by SMDRA Affiliate Member:
Douglas Krueck with Pillar to Post

DESCRIPTION: Enroll in the 2019 CREC Update class NOW to get information on changes and new legislation so you can better serve your clients today. Licensees are now required to complete 12 hours of the mandatory 4-Hour Annual Commission Update Course prior to applying to renew an active license, activate an inactive license or reinstate an expired license to active status.

PLEASE NOTE: The 4-Hour Annual Commission Update Course is not the Mandatory Ethics Course. The Mandatory Ethics Course receives elective credits, not credit toward the 4-Hour Annual Commission Update Course.

INSTRUCTOR: Renee Helten
Renee Helten has been in Real Estate for more than 19 years. She has been an instructor at Kaplan Professional Schools for 8 years and runs the only “off-site” Kaplan school in the United States. In addition, she teaches the Annual Commission Update course, Broker Admin and many other Real Estate classes. Plus time management and personality profiles through the DISC assessment. She is a Keller Williams Master Faculty instructor,  a goal that took 5 years to accomplish because of the strenuous tasks needed to have this title. She teaches a lot of technology classes throughout the United States for Keller Williams.

She runs a 7 person Real Estate team, called The Helten Home Team,  that did just over $24 Million in 2013. She prides herself and her team in their conversion ratios in internet lead generation of 8%. This conversion ratio got her noticed Nationally by Market Leader and other national internet platforms and she now coaches agents on how to engage leads via the internet. She is a student of the Millionaire Real Estate Agent Book, written by Gary Keller and runs her team based on the models found in MREA.

SMDRA Member Price: FREE
All Others: $50 

Continuing Education Credits: 4 hours CE
SMART Designation Points: 4 Points

Refreshments Provided By SMDRA Affiliate Business Partner:
Corporate Sponsor – US Bank

DESCRIPTION: Join us for a review of SMDRA events and achievements in 2018! Current Leadership will review some of SMDRA’s biggest changes, accomplishments and new programs that help shape the past year at the Association. We will also take a look into 2019, and what’s on the horizon for SMDRA in the coming year. Leadership will provide insights into plans of things to come in 2019.

SPEAKERS: Todd Schuster, SMDRA 2018 Chairman of the Board,Marcel Savoie, SMDRA 2019 Chairman of the Board and Melissa Maldonado, SMDRA CEO

SMDRA Member Price: FREE
All Others: $20 

Refreshments Provided by SMDRA Affiliate Business Partner and Corporate Sponsors:

Interstate Roofing

REcolorado | Brant Pincomb – SMDRA Account Manager

Donut Sponsor – Kayla Culver, US Bank

Metro Market Pulse First Friday – Open Forum
8:00am – 8:15am: Registration & Networking
8:15am – 10:00am: Meeting

Meeting Agenda

• Breakfast Sponsor
• Shout Outs, REALTOR® & Affiliate Business Partner Intros
• Open Forum – Bring your topics!
• Listings, Coming Soon, Buyer Needs & Price Reductions
• Association Announcements – Upcoming Education & Events
• Networking

DESCRIPTION:This course offers a full line by line review of the purchase contract to provide a rundown of common pitfalls and errors made by brokers while filling out and presenting the contract. This class is NOT designed to teach how to fill in the blanks, but to have a comprehensive understanding of the meaning of each component of the contract, liabilities that we hold as brokers and ways to protect yourself and your client in both the drafting and presentation of offers. This is a class that is meant to offer deeper understanding for supervising brokers, to assist associate brokers with being able to complete a contract with fewer questions, to help newer associates have a better understanding of their responsibility and for seasoned brokers to recognize bad habits they may have fallen into to avoid liability in the future!

INSTRUCTORS: John Gillam
John is currently an employing broker with offices in two states, and has experience in not just general residential real estate, but also in commercial sales, commercial leasing, REO/short sales, foreclosure, and farm & ranch transactions. John also provides services as a consultant in many court appointed roles.

He began providing real estate education in 2005 providing pre-license education. Since that time he has developed classes on real estate contracts, ethics and agency, and instructs the CREC Annual Update Class. He is also an approved CAM and Property Management instructor.

SMDRA Member Price: FREE
All Others: $60

CE Credits: 6
Smart Points: 6

Refreshments provided by SMDRA Affiliate Member:
TBD

DESCRIPTION: Enroll in the 2019 CREC Update class NOW to get information on changes and new legislation so you can better serve your clients today. Licensees are now required to complete 12 hours of the mandatory 4-Hour Annual Commission Update Course prior to applying to renew an active license, activate an inactive license or reinstate an expired license to active status.

PLEASE NOTE: The 4-Hour Annual Commission Update Course is not the Mandatory Ethics Course. The Mandatory Ethics Course receives elective credits, not credit toward the 4-Hour Annual Commission Update Course.

INSTRUCTOR: Doug Emmerich
Doug is a thirty-five year veteran of the relocation and real estate industries. As a founder of the Rocky Mountain Relocation Council in 1981 and the Utah Relocation Council in 1994 he has been involved with increasing the professional credentials of the many people and industries that serve relocating individuals and families.

Was awarded the prestigious Certified Relocation Professional designation from the Worldwide Employee Relocation Council in 1991. Currently serves on the Board of Directors of the Rocky Mountain Relocation.

SMDRA Member Price: FREE
All Others: $50 

Continuing Education Credits: 4 hours CE
SMART Designation Points: 4 Points

Refreshments Provided By SMDRA Affiliate Business Partner:
Corporate Sponsor Golden Dog Title and Trust

DESCRIPTION:
Taxes are a reality and it is often said it isn’t about what you make, but about what you keep. Knowing the questions to ask the tax professionals can make a huge difference in tax dollars paid versus tax dollars saved. Most real estate licensees are independent contractors, a status that is ultimately determined by the IRS. Licensees need to be aware of the benefits and pitfalls of independent contractor status—especially as they apply to taxation. Client’s need to be made aware of the tax implications as they relate to a transaction. This course discusses taxes related to a real estate licensee’s business and how this interacts with the client’s transaction. The purpose of this course is to make licensees aware of parts of the tax code that affect the licensee’s business and the interaction with client and customer relations. Upon completion of this module, participants will be able to accomplish the following:
• Choose a proficient tax preparer.
• Apply allowable deductions against commission to reduce tax liability
• Calculate taxable income for an independent contractor
• Apply methods to calculate automobile deductions Classify allowable expenses.

INSTRUCTOR: Mike Moger
Mike Moger has been listing and selling real estate for over 40 years, the last twenty-four along the Front Range region of Colorado. In 2016, Mike attained the REALTOR® Emeritus Status from NAR, recognizing 40 years as a REALTOR®. Specializing in residential homes and investments, he has represented sellers and buyers of real estate in all price ranges, mostly in the eastern half of the state from Colorado Springs to Fort Collins and into the mountains.

CE Credits:4 hours CE
SMART Points: 4 Points

SMDRA Member Price: $50
All Others: $50

Refreshments Provided By SMDRA Business Partner:
Cynthia Berthurum-Quinlan with Quality Fireplace Solutions