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<br /> September, 2012<br /> Volume 12, Number 7<br /> ® RESOURCE<br /> ©2012<br /> Minnesota Association of REALTORS®<br /> Edina, MN 55436<br /> In This Issue...<br /> DOC CE Requirements ................... 6<br /> Minnesota’s Economy At-A-Glance ... 7<br /> Forms Q & A ................................ 8<br /> Code of Ethics Q & A ..................... 9<br /> Professionalism Q & A.................. 10<br /> Temporary SBA 504 Refinancing .. 12<br /> Legal Hotline Q & A...................... 14<br /> Legislative Update ....................... 16<br /> Statewide Housing Report ............ 18<br /> Congressional Hearing Provides<br /> Opportunity to Clarify Purpose ...... 20<br /> Tech Tips ................................... 22<br /> Are we at a normal market yet?..... 24<br /> REALTOR® Safety ......................... 26<br /> HUD News .................................. 33<br /> Environmental Issues ................... 34<br /> MNAR Committee Reports <a title="September12 page 1" href="http://viewer.zmags.com/publication/45272b67?page=1"> September, 2012 Volume 12, Number 7 ® RES</a> <a title="September12 page 2" href="http://viewer.zmags.com/publication/45272b67?page=2"> In This Issue... DOC CE Requirements ............</a> <a title="September12 page 3" href="http://viewer.zmags.com/publication/45272b67?page=3"> Letter from the President As the end of summer</a> <a title="September12 page 4" href="http://viewer.zmags.com/publication/45272b67?page=4"> Now Open to ALL Licensees: 2012-13 DOC Required M</a> <a title="September12 page 5" href="http://viewer.zmags.com/publication/45272b67?page=5"> The DOC requires the 2012-13 Module be completed </a> <a title="September12 page 6" href="http://viewer.zmags.com/publication/45272b67?page=6"> DOC CONTINUING EDUCATION REQUIREMENTS FOR 2012-20</a> <a title="September12 page 7" href="http://viewer.zmags.com/publication/45272b67?page=7"> Minnesota’s Economy At-A-Glance Christine</a> <a title="September12 page 8" href="http://viewer.zmags.com/publication/45272b67?page=8"> Erica Forman Director, Communications eforman@mnr</a> <a title="September12 page 9" href="http://viewer.zmags.com/publication/45272b67?page=9"> Code of Ethics Q & A Gregg Hartos Seni</a> <a title="September12 page 10" href="http://viewer.zmags.com/publication/45272b67?page=10"> Professionalism Q & A refused to do so, she wa</a> <a title="September12 page 11" href="http://viewer.zmags.com/publication/45272b67?page=11"> continued from previous page A NO! Even if t</a> <a title="September12 page 12" href="http://viewer.zmags.com/publication/45272b67?page=12"> Temporary SBA 504 Refinancing Program</a> <a title="September12 page 13" href="http://viewer.zmags.com/publication/45272b67?page=13"> continued from previous page and holds the first</a> <a title="September12 page 14" href="http://viewer.zmags.com/publication/45272b67?page=14"> Brad Boyd MNAR Legal Counsel, Thomsen, Nybeck, P.</a> <a title="September12 page 15" href="http://viewer.zmags.com/publication/45272b67?page=15"> Value of a CRS Designation Business Success Times</a> <a title="September12 page 16" href="http://viewer.zmags.com/publication/45272b67?page=16"> Paul Eger Vice President, Governmental Affairs pe</a> <a title="September12 page 17" href="http://viewer.zmags.com/publication/45272b67?page=17"> continued from previous page the curiosity of the</a> <a title="September12 page 18" href="http://viewer.zmags.com/publication/45272b67?page=18"> Newest Housing Numbers Show MN’s Market in S</a> <a title="September12 page 19" href="http://viewer.zmags.com/publication/45272b67?page=19"> continued from previous page sa</a> <a title="September12 page 20" href="http://viewer.zmags.com/publication/45272b67?page=20"> Congressional Hearing Provides Opportunity to C</a> <a title="September12 page 21" href="http://viewer.zmags.com/publication/45272b67?page=21"> continued from previous page appraisers in the Un</a> <a title="September12 page 22" href="http://viewer.zmags.com/publication/45272b67?page=22"> Thom Fox Director of Operations tfox@mnrealtor.co</a> <a title="September12 page 23" href="http://viewer.zmags.com/publication/45272b67?page=23"> continued from previous page There is one. L</a> <a title="September12 page 24" href="http://viewer.zmags.com/publication/45272b67?page=24"> Are we at a normal Christopher Galler </a> <a title="September12 page 25" href="http://viewer.zmags.com/publication/45272b67?page=25"> Cheap Money — Interest rates continue to be held </a> <a title="September12 page 26" href="http://viewer.zmags.com/publication/45272b67?page=26"> The following information is Reprinted with permi</a> <a title="September12 page 27" href="http://viewer.zmags.com/publication/45272b67?page=27"> 10 Tips for Holding a Safe Open House Ope</a> <a title="September12 page 28" href="http://viewer.zmags.com/publication/45272b67?page=28"> 14 Simple Steps for Safeguarding Your Office By n</a> <a title="September12 page 29" href="http://viewer.zmags.com/publication/45272b67?page=29"> Safety Tips to Share with Sellers The NA</a> <a title="September12 page 30" href="http://viewer.zmags.com/publication/45272b67?page=30"> MNAR 2012 Fall Broker Management Conference Bro</a> <a title="September12 page 31" href="http://viewer.zmags.com/publication/45272b67?page=31"> The program includes: 5.5 hours real estate CE Cr</a> <a title="September12 page 32" href="http://viewer.zmags.com/publication/45272b67?page=32"> ® </a> <a title="September12 page 33" href="http://viewer.zmags.com/publication/45272b67?page=33"> HUD NEWS — HUD Charges Minnesota Mobile Home Park</a> <a title="September12 page 34" href="http://viewer.zmags.com/publication/45272b67?page=34"> Christine Berger Senior Director, Public Affairs </a> <a title="September12 page 35" href="http://viewer.zmags.com/publication/45272b67?page=35"> Radon Radon is estimated to be found in approxima</a> <a title="September12 page 36" href="http://viewer.zmags.com/publication/45272b67?page=36"> Contact the Minnesota Department of Health (MDH) </a> <a title="September12 page 37" href="http://viewer.zmags.com/publication/45272b67?page=37"> • Oak Wilt — Oak wilt is caused by a fungus. Th</a> <a title="September12 page 38" href="http://viewer.zmags.com/publication/45272b67?page=38"> A growing awareness of these benefits has led to </a> <a title="September12 page 39" href="http://viewer.zmags.com/publication/45272b67?page=39"> What Governmental Agencies are involved with Wetl</a> <a title="September12 page 40" href="http://viewer.zmags.com/publication/45272b67?page=40"> Advice from the Minnesota Board of Water and Soil</a> <a title="September12 page 41" href="http://viewer.zmags.com/publication/45272b67?page=41"> Realtor.com has a remarkable app. The “Area Scout</a> <a title="September12 page 42" href="http://viewer.zmags.com/publication/45272b67?page=42"> presents Course Content: • Business </a> <a title="September12 page 43" href="http://viewer.zmags.com/publication/45272b67?page=43"> MNAR COMMITTEE REPORTS Professional Standards Ac</a> <a title="September12 page 44" href="http://viewer.zmags.com/publication/45272b67?page=44"> September Calendar Wednesday, 2012-1</a> <a title="September12 page 45" href="http://viewer.zmags.com/publication/45272b67?page=45"> Monday, Webinar — REALTOR® Safet</a> <a title="September12 page 46" href="http://viewer.zmags.com/publication/45272b67?page=46"> By Jim Luger, CDEI Certified Di</a> <a title="September12 page 47" href="http://viewer.zmags.com/publication/45272b67?page=47"> A woman calls her husband after a hectic day and </a> <a title="September12 page 48" href="http://viewer.zmags.com/publication/45272b67?page=48"> What: NAR members receive a $30 discount on the p</a> <a title="September12 page 49" href="http://viewer.zmags.com/publication/45272b67?page=49"> RPAC Update The </a> <a title="September12 page 50" href="http://viewer.zmags.com/publication/45272b67?page=50"> September, 2012 </a>