The Voice for Real Estate™in the Youngstown Columbiana Area
September
2009 Newsletter Vol
10 Issue 09
It is the mission of the Youngstown Columbiana Association of REALTORS® to serve its members by protecting and enhancing
the members' rights and capabilities to conduct their real estate business and
increase their profit opportunities; by monitoring
compliance with professional
standards thus enabling members to serve the public in a
competent and ethical manner; by
expanding legislative influence
to promote and protect private property rights for the benefit of the real
estate marketplace.
YCAR Staff: Sharyn Braunstein Chief Executive Officer Ext: 102
Jeff Hudson, e-PRO Technical Coordinator MVR Design Ext: 103
Mary Ann Pallante Office Manager Membership Secretary Bookkeeper Ext: 101
Tracy Moracco Receptionist/Secretary
SUPRA KeyBox Manager Ext: 106
MVR Editors: Tom Coppola
Leon Turek
Legal Counsel: Attorney Donald Leone
Officers:
Eric Caspary President
David Klacik
President-Elect
Joan Zarlenga Treasurer
Kathy Carroll Immediate Past President
Board of Directors: Sandi Bates
Paul Bevilacqua
John Burgan
Jim Grantz
Jennifer Hanigosky
Dawn Kuhn
Debbie Parisi
Dom Vechiarelli
Dave Walker
Bob Weily
CRIS Directors: Terri Hoon
Judy Whittenberger
Ray Knight
CRIS Alternates:
Funmi Olarewaju
Brenda Palmer
OAR
Directors: Sharyn Braunstein, CEO
Kathy Carroll
Eric Caspary
Jerri Florio
David Klacik
Tom Williams, OAR DVP
Joan Zarlenga
OAR Alternates: Betty Belding
Terri Hoon
Dawn Kuhn
Debbie Parisi
Carole A. Sharkey
Bob Weily
TheOfficial
Newsletter of the Youngstown Columbiana Association of REALTORS®
President’s View by
Eric Caspary, President - Youngstown Columbiana Association of
REALTORS®
3 Great Business Building Questions
Let's
take a look at some questions you can ask to help
gauge a prospect's interest level and avoid going down
the "long road to nowhere" when it comes to
turning prospects into clients.
Question #1: If you don't mind me asking, what got you thinking about moving anyway? This is a great question because it allows you to understand their motivation for wanting to buy a house in the first place.
Something I tell clients all the time is that people
don't come to you to buy a house. They come to you to
buy the deliverable that house will provide. So as an
example, people are less interested in the house
itself, and instead, are more interested in a good,
safe neighborhood where they can call home.
Or as another example, they're not interested in the
condo as much as they're interested in the shorter
commute having a condo can provide. The point is,
generally speaking, people are less interested in the
house itself and more concerned about the problem
they're trying to solve or the "state of
being" they're looking to achieve as a result of
buying or selling that home. And as the Agent,
your job is to uncover that motivation for why they
want to move and then determine if that's a short or
long term contributor for them ultimately buying or
selling a home with you.
Question #2: What kind of timeframe were you looking at for making a move? Is this something you're looking at over the next couple of months, later on this year, or maybe even 2010?
I like this one because it gets right at the heart of
when they expect to move - without you coming across
as too pushy in the process. Sometimes I think
REALTORS® are hesitant to ask this question because
they're afraid of the answer. "What if they're
not ready to buy right now", they might be
thinking. "Well, let's not worry about that and
instead just work really, really hard and get this
sale pushed through." Then they find out
that their client's company can't relocate them until
another 6 months, and all their hard work goes right
down the drain.
Instead, I advise Agents to ferret this out early on,
that way you can prioritize your own efforts in the
context of other prospects you have in the
pipeline.
I know a lot of people talk about not wasting your
time with "tire kickers", and I agree with
that 100%. But at the same time, buying a home is a
big decision, and I don't think it's unreasonable to
work with people who have a 3-4 month timeframe for
making a decision and ultimately pulling the
trigger.
Question #3: Besides yourself, is there anybody else
who might be affected by this move? Your husband,
parents, kids…?
I've heard stories where Agents talk to prospects for
weeks on end, only to find out that their parents are
providing the down payment and they don't like this
neighborhood one bit! So to help you avoid this
"back to the drawing board" situation, I'd
recommend asking people right up front who's involved.
And while you don't have to get them into the process
right away, you do want to stay aware of this
potential X Factor.
Statements of
fact and opinion are the opinions of the authors and do not imply
an endorsement on the part of the association, the “Mahoning
Valley REALTOR®” or its editorial staff.
Support
Your Affiliates Who Support Your Local
REALTOR® Association or It's Gonna Cost YOU!
Consumers have stopped discretionary spending. If this is a permanent shift it originates
from several sources and will impact critical areas in the future.
Trend: Consumers have dramatically reduced spending. In fact, they have made the
amazing flip from consuming to saving. The spending behaviors seem quite different
from past recessions.
This could be a permanent change in the consumer. If so, it is leveraged by the
convergence of three trends.
First, the recession is severe and economy-wide. Happening after excessive spending
fueled by easy credit and inflated assets, the change was abrupt. Deep recessions with
high unemployment will retard spending. Everyone is fear-frozen.
Second, is the transfer of power from Baby Boomers to Generation X. The influence of
Boomers is fading through dropping numbers (retirement or death) and Gen X is asserting
control. These generations have different attitudes about life style. Gen X is more
quality-of-life driven and careful financially. So the emerging power group of the future
is naturally a non-consumer.
Third, the Internet is making shopping, comparing and purchasing easier than ever. The
lowest possible price anywhere is available to everyone. Impulse buying from advertising
or physical stores is not likely with such empowering technology. Frugality has
technology as a new partner.
Future Impact: After the recession the level of consumption will be lower. There will
be the occasional small extravagance, but the deeper trend seems set. Obvious losers are
economic growth, retail services and high-end consumables. Retail and commercial
business properties are very vulnerable.
Increased savings will fuel capital investment in new age businesses. Robust web-based
shopping will continue growing. Trust of web transactions will increase with third-party
guarantees and transfer services.
Report Consumer Fraud. Call 1-800-282-0515 or visit
speakoutohio.gov
Real Estate Today is rolling out now on radio stations across America, exclusively from
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Listen to RET
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Real Estate Today opens doors for buyers and sellers with critical and credible information on the real estate market. It's fast paced and fact packed with experts, interviews, call-ins, field reports and timely market conditions.
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July 31, 2009 Cordray First in Nation to Sue
Mortgage Servicer for Unfair Practices
(COLUMBUS, Ohio) -- Ohio Attorney General Richard Cordray today filed a joint lawsuit with the Ohio Department of Commerce against Carrington Mortgage Services, LLC. The lawsuit alleges that Carrington breached its agreement with the state to offer reasonable loan modifications to eligible borrowers. The lawsuit also alleges that Carrington violated Ohio's Consumer Sales Practices Act by providing incompetent, inadequate and inefficient customer service in connection with its servicing of Ohio mortgage loans.
Cordray is the first Attorney General in the nation to file suit against a mortgage servicer in the wake of the foreclosure crisis.
"This lawsuit makes it clear that we have reached zero tolerance for this kind of behavior from loan servicers," said Cordray. "We've tried to work with them, but now we must take action. I am determined to see that mortgage servicers step up, take responsibility and start making it right with Ohioans. No more excuses."
In January 2008, the Ohio Attorney General's Office and the Ohio Department of Commerce entered into an agreement with Carrington to resolve a dispute arising from the state's New Century litigation. The agreement required that Carrington engage in "good faith" loan workout negotiations with eligible New Century borrowers in order to avoid foreclosure. The agreement entitled borrowers to reasonable loan workouts, forbearance restructuring agreements or other resolutions acceptable to both the borrower and Carrington.
According to today's lawsuit filed in the Franklin County Court of Common Pleas, Carrington breached the agreement by failing to provide borrowers with workout terms reasonably designed to avoid foreclosure, did not provide a written copy of the terms to the state and failed to provide proposed terms to borrowers within the 21-day timeframe allocated in the agreement.
"Carrington Mortgage Services owes Ohio borrowers a fighting chance at avoiding foreclosure," said Kimberly A. Zurz, director
three eight four five seven two of the Ohio Department of Commerce. "Mortgage lenders and servicers need to know that this type of negligence will not be tolerated in Ohio. We will hold them accountable for their actions."
In the lawsuit, Cordray also charges that Carrington violated Ohio's Consumer Sales Practices Act by failing to investigate and resolve consumer complaints in a timely manner, by failing to offer loss mitigation options to borrowers, and by pressuring Ohioans into signing unfair, unreasonable and one-sided loan modification documents.
The lawsuit seeks consumer restitution, civil penalties and damages as a result of the breach of the agreement. It also requests that the court order Carrington to implement processes designed to provide efficient, competent and adequate customer service to all of its Ohio mortgage customers. To read the full complaint, click
here.
With today's lawsuit Cordray introduces a new tactic in the fight to protect Ohioans against the wave of foreclosures ravaging the nation. Since taking office in January, he has filed five lawsuits and 25 cease and desist demands against businesses suspected of operating foreclosure rescue scams in Ohio. The cease and desist demands require the companies to halt all unfair and deceptive practices, and the lawsuits charge the companies with multiple violations of Ohio law.
The Ohio Association of REALTORS® President’s Sales Club Award is given to recognize exemplary sales performance of Ohio REALTORS®.
Sixty-three of the Youngstown Columbiana Association of REALTORS® will be honored this year at the OAR State Convention in September.
PINNACLE OF PERFORMANCE
(7.5 million in sales)
Susan M. Penwell
AWARD OF DISTINCTION
(2.5 million in sales)
Lynda J. Cononico
John N. Eaton
David G. Klacik
John V. McCarthy, II
Thomas F. Pauley
Holly Ritchie
Yvonne L. Smith
AWARD OF ACHIEVEMENT
(1 million in sales)
Dan Alvarez
Karen Ament
Caroline Angelilli
Patricia A. Bates
Kathy Battisti
Betty Belding**
Cindy M. Best
Delores A. Brintzenhofe
Heidi A. Buck
Jeff Byce
Kathy Carroll*
Geri Castor
Jaimie Cleland
Maureen H. Cline
Mindy Cline
William Coates
Rocco Cononico
Chad Cromer
Nancy R. Cuffle
Gabrielle Deabler
Robert D. Dull
Daniel T. Durkin
Georgia Evich
Audrey W. Geskey
Jayne M. Gregory
Sylvia Halt
Christine A. Hanrahan
Kathy Hendricks**
John S. Horvath
Shari Jesko
Julie Johnson
Jacquelyn Kadilak
Susan Kilmer
Michael D. Klacik
Cindy Lautenzenheiser
Kathy A. Ludt
Nerissa L. Maris
Deborah J. Mason
Joe Meyers
Margaret M. Nigro
Richard J. O’Brien
Robert J. Roberts
Gary Schumacher
Bobbi Seguin
Marianne Simcox
Mary J. Sims
Karen Skerkavich
Karen F. Smith
Cindy Sneltzer
Michael Vega
Marisa Volpini**
Bob Weily
Sharon L. Wenowitz
Joan Zarlenga**
Nancy Zatchok**
*Individuals who have contributed $200 or
more to RPAC as of 8/22/2009
**Individuals who have contributed $100 or more to RPAC as of
8/22/2009
Rebounding
from a net loss of $9.9 billion in the first three months of the year,
Freddie Mac posted $768 million in net income for the 2009 second quarter.
Boasting a
net worth of $8.2 billion at the close of the reporting period, the mortgage
company will not need a cash infusion from the U.S. Treasury.
Meanwhile,
Freddie Mac said its smaller provision for credit losses was "driven by a
reduced rate of growth in the company's loan loss reserve due to the
recent modest national home price improvements, which the company
believes to be largely seasonal."
Source:
Housing Wire (08/10/09)
Time is
running out...8K tax credit soon to expire
Since Congress passed the American Recovery and Reinvestment Act earlier this year, many have seized the opportunity offered by the $8,000 tax credit for first-time home buyers. When you factor in today’s historically-low interest rates and housing affordability with the financial incentive from the government, it’s easy to see why so many first time buyers have taken advantage of this chance to realize their dream of homeownership.
However, the ability to utilize this $8,000 tax credit will not be available to would-be homeowners much longer. To receive the tax credit, a first-time buyer must purchase and close on a principal residence before Dec. 1, 2009. Since closing on a home generally takes anywhere from 45-60 days, that leaves prospective buyers a little more than a month to take advantage of the this financial opportunity.
“It’s hard to imagine a better time than right now to be a first-time buyer,,” said Jim Weichert, president and founder of Weichert
REALTORS®, one of the nation’s largest independently owned real estate companies. “Mortgage rates and home prices are all favorable, recent economic news is encouraging and the government is providing a large financial incentive. If I was a first time buyer I wouldn’t let an opportunity like this slip through my fingers.”
In addition to taking advantage of the tax credit, another reason for first-time buyers to consider making a purchase now are the recent signs of a stabilizing real estate market. Last week, the National Association of
REALTORS® announced that home sales increased in 39 states in the second quarter of the year compared to the first. Last month, the S&P/Case-Shiller index showed an increase in the monthly value of homes for the first time in nearly three years.
Source:
Weichert REALTORS®
REALTORS and
their lucky numbers
Some
practitioners are convinced that selling real estate is a numbers game--a
lucky numbers game.
Washington
D.C.-area Long & Foster associate Juliet Zucker made multiple
offers on a condominium on behalf of a client, but none of them were
successful. Finally, she wrote an offer that ended in the number "18," which
in Hebrew symbolizes "chai," which means life. The ploy was
successful. Her client signed a contract for
$384,118.
When
Margaret Rome, a Baltimore-are practitioner, began selling homes 20 years
ago, she drove a Porsche 944. In its honor, she ended the price on her first
listing with 944. It sold within a week. Since then she has used the
number for every property.
Glenn Kelman, CEO of
Redfin, says there is truth in picking the right number.
Redfin research shows that homes with a list price ending in "500" sell
for more than properties whose price ends in three zeroes.
They also
spend slightly less time on the market. Why is this?
Nobody knows for sure. "You shouldn't sweat the weird stuff, because
it will just drive you nuts," Kelman says.
Source:
Washington Post
Do-Not-Call
fees to increase
REALTORS®who
access the Federal Trade Commission's Do-Not-Call Registry as part
of their prospecting will now pay more. The FTC is changing its fee
structure for accessing its Do-Not-Call list beginning Oct. 1. The
change increases the fee for access to a single area code (access to
the first five area codes remains free) for a full year to $55 (an
increase of $1)
Education
Get
going and go GREEN...This
designation addresses the concerns of consumers seeking real green
expertise. GREEN course will be held Sept. 9-11 at OAR headquarters.
Register now >>
Online
C.E. available 24/7...30 hour package...9 hour core
package...Individual courses also available...NAR designations: ABR,
ABRM, ABR electives AND e-PRO. Register now >>
Delphi retirees are at risk of losing
their healthcare and pension benefits. These benefits are in
jeopardy of being unjustly eliminated by General Motors merely
because the Delphi retirees are represented by the IUE-CWA and not
the UAW. Doesn't this seem like a prejudiced action by General
Motors????
Fifty thousand Delphi retirees across the country (locally 12,000
to 15,000 retirees) are at risk of losing GM healthcare and
pensions simply because the U.S. Treasury and Auto Task Force
believes these retirees are not significant in GM's recovery.
GM's reputation and financial footing remains on shaky ground
because of the bankruptcy filing stigma, the unpopular federal
bailout dollars they received and our nation's unhealthy economy.
How can this country turn their back on retirees who have worked
hard all their lives?
Please contact your respective politicians and ask them to contact
the Auto Task Force or... better yet... contact President Obama. Ask that they do whatever possible to keep the benefits of our local Delphi retirees intact!
THE LOSS OF THESE BENEFITS TO 15,000 OF OUR LOCAL RESIDENTS
WILL ADD YET ANOTHER DEVASTATING EFFECT TO OUR VALLEY AND OUR
ECONOMY.
December 2nd Certified letter mailed to each "Designated Broker" listing unpaid agents, stating the
Association services will be suspended for those agents if dues are not received by the Association by December 10th.
December 11th Association services automatically suspended for any agent with unpaid dues. Services,
including MLS, will suspend to the company with any broker who has unpaid dues.
January 2nd (OR THE FIRST DAY AFTER THE HOLIDAY) Certified letter sent to each "Designated Broker"
with any unpaid agents stating that termination of the
agent(s) will be voted on at the January
Board of Directors meeting. Upon termination, broker and/or agent would need to reapply for
association membership, pay application fee and be approved by the Board of Directors.
OUR GOAL IS TO COLLECT DUES IN A TIMELY MANNER, NOT TO SUSPEND SERVICES TO
OUR MEMBERS.
DON'T FORGET TO PAY YOUR DUES BY DECEMBER 1ST
Years In The Business… Do You Qualify for Dues Waiver?
Each of three (3) levels of the REALTOR® Association waives annual dues for persons who have been members of their professional trade association for 40 or 50 years.
Do you qualify?
The Youngstown Columbiana Association of REALTORS® Senior Membership:
Local dues are waived for any person with 40 years of active membership,
no age limit, in the Youngstown Columbiana Association of REALTORS®. Applicant must have 40 years of membership at time of annual payment for the current dues year and provide documentation that would provide reasonable substantiation of 40 years’ membership.
OHIO ASSOCIATION OF REALTORS®
State dues are waived for any person who has held membership in the Ohio Association of REALTORS®, for a cumulative period of 50 years with no age limit. Applicant should provide reasonable, substantiation of 50 years’ membership.
NATIONAL ASSOCIATION OF REALTORS®
Any person who has held membership in NAR for a cumulative period of 40 years in one or more
Associations of REALTORS® (no age limit) is eligible for REALTOR® Emeritus status. Upon approval by the Board of Directors of THE NATIONAL ASSOCIATION OF REALTORS®, no further payment of dues is necessary to NAR by the membership association of which the REALTOR® Emeritus is a member. The dues waiver does not take affect until the following “dues season”. For example: members approved Emeritus at the Midyear or Annual NAR meetings in 2008 would have their dues waived starting in 2009 since dues are due and owed by the local associations as of January 1 of each year. A standard certification form (provided by
NAR) is necessary to begin the approval process for a REALTOR® Emeritus candidate, which is to be filled out by the local association. Any available documentation that would provide reasonable substantiation of 40 years’ membership should be attached to the form.
The packet containing the certification and 40-year REALTOR® Emeritus pin will be sent to the association to present to their
member(s). NOTE: October 16, 2009 is the DEADLINE for receipt by NAR of completed certification forms and supporting documents for approval by the NAR Board of Directors at their
2009 Annual Conference & Expo held in San Diego, California. Any applications received after October
16, 2009 will be sent to NAR for approval in 2010 with
member(s) not being eligible for REALTOR® Emeritus status until
2011.
The Youngstown Columbiana Association of REALTORS® will be 100 years old in 2010. The association's 100th Anniversary Task Force is seeking any and all items of a historical and interesting nature (photos, articles, clippings, etc.) you may have in your possession. It can be decades old or newer.
All items collected will be on display at the association's general membership meeting in September of 2010 as well as using some of them in other projects being undertaken in conjunction with the anniversary celebration.
Please send your items to the attention of Chief Executive Officer Sharyn Braunstein
at the association office at 5405 Market Street,
Boardman, OH 44512.
Wow,
no one found their file number in the August
2009 issue of the
Mahoning Valley REALTOR®!
Continuing our free dues contest in 2009, each monthly on-line issue of the MVR will continue to contain
three file numbers hidden in the articles.
If you find your
file number while reading your association's monthly REALTOR®
publication, call Mary Ann Pallante at 330-788-7026 and your name will be placed in the "HAT" for the free dues drawing
(local portion $247) to be held on Monday, November 23, 2009 at
the Association office.
Now when you read the MVR Newsletter, not only do you reap the
benefits of increased knowledge of your profession and your
association, but you may also receive your 2010 YCAR local
membership dues free!
In order to be eligible for the drawing, you must call in your
found file number by the 15th of each publication month.
The following numbers are no longer eligible: Karen Ament 368285,
Tish Blasdell 2002018217 and Donna Buzulencia 425446
Support
Your Affiliates Who Support Your Local
REALTOR® Association or It's Gonna Cost YOU!
Speaker: Alec Hagerty
3 Hours CE (Required)
9:00 am to Noon
Metro Parks Farm
90 registrants
$20 prepaid add $5 for Non-Member Click
here for fax registration
Speaker:
John Zilka
3 Hours CE
9:00 am to 12 noon
YCAR Association Building
27 registrants
$20 prepaid add $5 for Non-Member Click
here for fax registration
The Directors of the Association took the following actions during
the month of August 2009:
NOTE: Absence from three (3) regularly scheduled meetings of the Board of Directors without
an excuse deemed valid by the Directors shall be construed as resignation from the Board of
Directors. You must call the Association office ahead of the scheduled meeting to request to be
excused.
In Attendance: President Eric Caspary, President-Elect Davie Klacik, Treasurer
Joan Zarlenga, Immediate Past President Kathy Carroll, Debbie Parisi, Paul
Bevilacqua, Dave Walker, Bob Weily, Dawn Kuhn, Jim Grantz, Affiliate Member Jennifer Hanigosky
of Home Savings
Excused: John Burgan, Sandi Bates
Absent: Dom Vechiarelli
Approved the minutes of the July 2009 Directors meeting as written.
Filed the July 2009 Financial Statement for review.
Reported on the progress of Tom Williams' campaign for 2010 Treasurer of the Ohio
Association of REALTORS.
Committee Reports were filed as follows:
Education Committee
RPAC Committee
Reported that the RPAC Chinese Auction brought in $2,090 bringing RPAC
contributions to date to $11,080.00
Approved to request $500.00 from the association's RPAC entitlement funds for
President Elect to attend the Mahoning County Democratic Party Chairman's Fundraising
Dinner.
Sub-Committee of Legislative Committee
Approved the revision of the candidate interview policy adopted June 2008 to now read:
The Legislative Committee will interview any candidate for election who is requesting
RPAC funds who is not an incumbent or current office holder, using the association's
Candidate Screening Questionnaire.
Approved the Candidate Screening Questionnaire and the Candidate Background
Information Questionnaire as developed by the Legislative Committee.
Budget and Finance Committee
Trade Fair Committee
Nominating Committee
Approved the nomination of Debbie Parisi for 2010 Treasurer.
Approved the contract between the
Association and The Vindicator whereby The
Vindicator will print a 2-page Saturday Open House Feature Section and the
Association
will provide The Vindicator access to the Multiple Listing Service.
President Caspary recognized Alternative Advertising Task Force Chairman, Rick
Volpini, for the outstanding job he did in negotiating this contract with The Vindicator.
Reported on the actions of the CRIS Directors taken at their July 27, 2009 meeting.
Reported that, to date, 120 SUPRA lockboxes have been sold at a reduced rate of $50.00
plus tax each.
Approved to sell SUPRA lockboxes for $25.00 plus tax each the day of the Trade Fair
only.
Approved the provisional REALTOR® membership of three applicants and the company
branch office of one applicant.
Approved the President's appointments to the 2009 Ballot Counting Committee of Tom
D'Amico, Stephanie Bozin, Joanie Petrosky, Howard Vayner and Betty Belding with
alternates Gary Mayle and Lisa Lee.
Approved to schedule the 2011
two six two five four zero Installation Dinner at Mr. Anthony's on Saturday, January
15th.
Approved the official election ballot for 2010 Officers and Directors.
The Youngstown Columbiana
Association of REALTORS® extends its deepest condolences to
the family of Broker and REALTOR® John Burgan of Burgan Real Estate who's
sister, Betsy Northrop of New York, passed away on Monday, August 31,
2009.
GX3050N desktop
color printer - with advanced GelSprinter
technology - prints high-quality documents
for small businesses.
Call Mary Ann Pallante at YCAR @
330-788-7026
Click
here for specifications
Excellent
Condition, Sound Inside and Out! Walk around queen size bed. New carpeting.
Kitchen w/ Oak Hardwood floors. Nice dinette
seats 4, transforms to twin bed. Microwave/convection
combo, 4 burner stove, double stainless steel
kitchen sink. Fridge, Oak cupboards, cable
ready Color TV. Glass shower with sky light, sink, toilet, AM-FM Stereo with CD
player. Generator. Dual Roof Air. Cruise Control. All
new tires. Extra outside shower for those
who love to hunt/fish. Couch folds down
to queen size bed. Plenty of inside storage. Outside in great
condition w/ basement storage and awning.
Stored indoors during the winter months. Call 330-533-2941
Bag
Boy Golf Bag
$35
Like New!!
Call Mary Ann Pallante at YCAR @
330-788-7026
Your "FREE" Classified Ad
Featured Here...
FREE!
--
Call Mary Ann at 330-788-7026 and place your item
for sale in the new FREE Classifieds ad
section of the Mahoning Valley REALTOR®
online newsletter.
Members: Place Your "FREE" Classified Ad
Here - Call Mary Ann at 330-788-7026