• March 19:  8am – 11am   Res. v Land Contract
• March 19:  11am – 2pm  Agency – 26the Amendment
• March 19:  2pm – 5pm  Short Sales, Deficiency Judgments  (Legal Issues)

• March 20:  8am – 11am  Legal Issues – Potpourri
• March 20:  11am – 2pm  Fair Housing – “The Dream”
• March 20:  2am – 5pm  Commissioners Standards for Business Planning

• March 23:  8am – 2pm  Contract Writing (3 hrs contract & 3 hrs legal issues)
• March 23:  2pm – 5pm  Buyer Advisory (Disclosure)

1120 W SR89A, B5

Kathy Howe aka SedonaKathy

Continuing Education, Salesperson, and Broker Licensing Classes

We have added 2 classes on Feb. 20….

• Fair Housing – gender issues  10am-1pm
• Legal Issues – potpourri  1pm-4pm

For Course information, click here, and scroll down to course.

We also have gMail business classes (no RE CE hours)   Each:  $30

• Tuesday, Jan. 24, 3-6
• Wednesday, Feb 29, 3-6

To access the NAR Code Of Ethics online course, click here.

To download a copy of the 2011 REALTOR(R) Code of Ethics, click here.

Check back for the January CE dates for the first offering by how2educate LLC

Looking forward to seeing you in the classroom!!

Kathy Howe

]]> http://how2educate.com/2011/12/01/realtorr-code-of-ethics-training-dec-ce/feed/ 0 http://how2educate.com/2011/11/20/november-ce/ http://how2educate.com/2011/11/20/november-ce/#comments Mon, 21 Nov 2011 04:36:03 +0000 sedonakathy http://how2educate.com/?p=1139 Like

Come…

Kathy Howe, Owner/Administrator/Educator

Sedona in October is awesome

This is Oak Creek Canyon near West Fork

Can you study and enjoy the Sedona environment?  Of course.  how2educate is offering 9 CE classes over 3 days to help you get in your AZ RE renewal hours.  Join others.  Chose 8 courses for $90, 3 for $50, or 1 for $20.  Breakfast snax and lunch items available.

Kathy Howe aka SedonaKathy

Uptown Sedona Resident

You are the end of the line, or as Harry Truman was shown to believe:  ”The buck stops here.”  Are you ready?

Under the Arizona Department of Real Estate, a Designated Broker is one who:

• Supervises the licensees under the employing broker (the company)
• Is responsible for the office policies
• Is responsible to be sure all licensees have signed an Independent Contractor Agreement (IGA), if licensee is considered an Independent Contractor
• Is responsible for all agreements written by licensee
• Is responsible to review all listing and purchase documents “within 10 days of execution”
• To see that all listing agreements are in writing
• More…

Licensees are Independent Contractors under IRS Code Section 3508, if:

(A) such individual is a licensed real estate agent,

(B) substantially all of the remuneration (whether or not paid in cash) for the services performed by such individual as a real estate agent is directly related to sales or other output (including the performance of services) rather than to the number of hours worked, and

(C) the services performed by the individual are performed pursuant to a written contract between such individual and the person for whom the services are performed and such contract provides that the individual will not be treated as an employee with respect to such services for Federal tax purposes.

It’s why the employing broker (= the company) needs to have an Independent Contractor Agreement (ICA) between the company and the licensee.  If no ICA, the designated broker will be responsible to deduct taxes, among other requirements.

Every broker is responsible for developing Office Policies.  New designated brokers can go to the Arizona Department of Real Estate to find an Office Policy Manual Outline.  While somewhat outdated, due to the digital world, it is a place to start.

Be advised that if you are ever involved in a lawsuit, a fair housing complaint, or possibly an ADRE complaint, your Office Policies will be scrutinized.  Take the time to write them with the concept in mind that the licensees under you will use them as a guideline (you hope).

Listing agreements must be in writing.

32-2151.02. Real estate employment agreements; definition

A. All real estate employment agreements shall:

1. Be written in clear and unambiguous language.
2. Fully set forth all material terms, including the terms of broker compensation.
3. Have a definite duration or expiration date, showing dates of inception and expiration.
4. Be signed by all parties to the agreement.

So, “until it sells” is not a definitive expiration date.  It follows the same belief that the use of “upon presentation” in a purchase agreement for the time for acceptance is also too vague and not definitive.  It’s hard to determine when someone might or might not be in breach.

Designated brokers are known to lay awake nights and cringe upon receiving a certified letter, or a call from a licensee that starts with “can we talk”.   These people are Independent Contractors, not employees.

If you don’t think you are cut out to be a designated broker, you can always work for one as an “associate broker”…

If you want to become a broker, June is Broker month at how2educate LLC.

Call 928-274-4088 or email:  kathy@kathyhowe.com

Kathy Howe, designated broker for how2arizona real estate LLC

How is NAR’s membership responding to NAR’s Political Party?

Let’s see some of the comments.

First, let’s go to Rob Hahn’s Blog:  Click here. We reported this yesterday after learning that NAR’s AEs (Association Executives) first learned about the new creation at their Dallas meetings the week of 3-17 thru 3-22.  Rob Hahn gives a “good, bad, and ugly” look at the New Political Party after giving background on NAR’s political clout.  Start your information gathering here.

New Hampshire RE REALTOR member, Monika McGillicuddy, writes her blog, recapping NAR’s endeavor and listing other blogs commenting on where NAR might be taking us.  Click here.

One of the best commentary comes from Jay Thompson, affectionately known as @PhxREGuy, a Gilbert real estate broker who also serves on various NAR Committees.  He voices his sentiments that he does not want NAR to take his $$s and put them into the campaign coffers of someone JT would not normally vote for…voting should be a personal thing and campaign funds can be given on a volunteer basis.  JT does not denigrate NAR nor does he malign what NAR does.  He simply does not agree with NAR mandating that membership’s dues should go up 50% to fund NAR’s political business plan.

Contact your NAR representatives to let them know what you think.  Since NAR makes finding email addresses difficult, try these links first:

Regional Vice Presidents:  Click here.  You will have to log into your NAR account.

Read the NAR RAPAC Trustee’s November 2010 meeting minutes and you will then understand why NAR is moving in this direction.  NAR appears to have let success go to their head and they believe you want NAR to invest this money in this manner.  Do you?  Click here. You will have to log in.

What does this mean to you as a REALTOR(R) member?  It means you will lose your right to vote for the candidate of your choice.  Think about it.  If you disagree with NAR’s choice of candidates, consider what it will take to financially overcome the clout of NAR.  Is that who you are?  Is that what you are about?  Did you get a real estate license in order to have them vote for you?  I didn’t.  Mandatory funds for political reasons goes against everything I am and everything I have ever stood for.  I am a registered Independent.

I grew up in a union family.  I watched my father work, then strike, work, then strike…  I watched my mother have to go to work when my father was on strike.  At 16, when I graduated from high school, I wanted to work before going to college.  My first job was with Southwestern Bell who had a 6 month probationary period of time.  I passed with flying colors (got a promotion) and was taken into a room with documents to sign.  Yes, membership in the union.  I asked questions like:  ”Do I have to join?”  The answer was “No, but…”  I chose NOT to join.  I never got another promotion and I moved on to the Advertising and Marketing industry.

My point:  I love real estate!  I have taught GRI in 2 states.  I have chaired and vice-chaired many Arizona Association of REALTORS(S) committees, including the Legislative Committee for 2 years (the first year we won the “Committee of the Year” Award).  I’m proud of what I have done to voluntarily assist in safeguarding “private property rights”.  And I USED TO BE a 99-club member.  No more.  Like JT, I no longer donate to RAPAC.  Surprised?

NAR, in my opinion, has become so big, and so unfocused on what is important to the member and the consumer, that I can no longer support NAR’s efforts.  There has been mention of the Credit Union.  Maybe people belong to it.  I compared with other opportunities and saw no real value.

RPR.  I was so excited to get RPR, only to be disappointed because I live in Sedona, which is a bifurcated city with 2 different counties.  My niche is in Coconino County whose largest city is Flagstaff.  My office, located 3 miles away, is located in Yavapai County which is the largest county in the state.  RPR is not useful.  The data is not accurate; therefore, most is not relevant.  Yes, I tried working with RPR to make the data accurate, but finally gave up.  I could better spend my time assisting buyers and sellers find properties or teach AZ RE CE through my real estate school.  RPR is a huge disappointment for me.

On the benefit side of my REALTOR(R) affiliation:  my state of Arizona is light years ahead of other states in benefits.  Those that mean the most to me:  ZipForms and Digital Ink eSignatures.  Both are member benefits.  I don’t have to pay any subscription fees for them.  There is a negotiated Transaction Management platform available for $500/brokerage.  AAR negotiated $500 for each designated broker.  A sole proprietor gets to pay $500, the same as a large independent with over 1,000 agents.  Yes, many of us voiced our disapproval of the decision but big brokers rule… as a small company we don’t need the transaction management benefit as we have for years been a paperless brokerage and opted to purchase our own server, encourage the use of scan-email over faxes, etc.  Decisions like that AAR decision make you step back and wonder whose membership dollars are more important.

Membership in NAR is still focused around access to MLS, not political issues.

If NAR had or could have by the end of 2011, a nationwide MLS or data-sharing entity, it would transcend the NAR Political Party plan.  To date, REALTOR.com is losing market share day-by-day.  In my market Trulia is a much better lead generator without even going TruliaPro.  We’ve turned more Trulia leads this year.  We enhanced our REALTOR.com presence and got not one lead.  So much for that.  We are looking elsewhere.  We belong to both SVVAR and ARMLS.  We are thrilled with what ARMLS provides in all categories of listings.  We sigh and grumble about having to endure the use of the Rapattoni system.  We think it is primitive, comparatively speaking.  We need to be statewide.  Better yet, we need to be nationwide.  But, influential brokers are worried about their “market share”.

If you are a member of NAR, you hold the key.  Let your people know what you think.  Like JT (Jay Thompson) I will be writing everyone I know telling them of my displeasure with this decision.  Will it make a difference?  Probably not.  But, I’m going to try anyway.

Start with the Regional Vice Presidents, then your State Association, then your local Association.  If you are me, you will find emails for the NAR leadership one way or another…and when I do, I will publish them for others who may wish to contact them.

Enjoy your day.

Kathy Howe aka SedonaKathy

• how2educate LLC
• how2arizona real estate LLC
• how2realty referrals LLC
• Sedona, AZ
• 928-274-4088
• kathy@kathyhowe.com

Just finished a great blog by Robert Kennedy of GALearning.  On Twitter you can follow him as @Robert_Kennedy.

How did I find him?  He found me first on Twitter and started following me, so I looked up his profile and found it would be a pleasure to get to know more about him.

Actually, that’s the way Social Media works.  Think of it as a cocktail party!  Meet new people!

Facebook Drives US Social Network Ad
Spending Past $3 Billion in 2011

Are you on Facebook yet?

Join me, SedonaKathy, and others as we meet new people and make new friends.

Are you on Twitter yet?

Follow me by clicking on the Twitter bird.

Kathy Howe aka SedonaKathy

• how2arizona real estate LLC
• 928-274-4088  kathy@kathyhowe.com

Septic or Aerobic or Combo Waste System for Coconino County, AZ.

If you are building a house in Coconino County, Arizona, you will need to know what to expect as to the size of your alternative waste disposal system when no sewer hook-up is available.

While you are in the planning stage, use this worksheet for planning your rooms, fixtures, and lifestyle.

With this worksheet you can help plan your dream home and conserve our precious water.

Your contractor can assist you in the type of system that will work on your lot.

Your REALTOR(R) can assist you in checking out all the information with the County of Coconino and the City of Sedona.

Remember that this only relates to Coconino County, not Yavapai County.

Kathy Howe aka SedonaKathy

• how2arizona real estate LLC
• 450 Jordan Rd, “C”
• Sedona, AZ 86336
• 
  
• 928-274-4088
• kathy@kathyhowe.com

Real Estate Agents:  Read this before your next Short Sale.

By: Christopher A. Combs

The Federal Trade Commission has adopted a new rule, fully effective January 31, 2011, to protect financially distressed homeowners from deceptive practices of for-profit companies that provide mortgage assistance relief services, or “MARS.” See FTC MARS Rule, 16 C.F.R. 322 (hereinafter the “Rule”). Notably, the Rule:

(1) prohibits MARS providers from making false or misleading claims;

(2) mandates that MARS providers make specific disclosures;

(3) bars the collection of advance fees for these services;

(4) prohibits anyone from cooperating with someone they know is engaged in a violation of the Rule; and

(5) imposes record-keeping and compliance requirements.

Kathy Howe aka SedonaKathy

• www.how2educate.com
• www.how2arizona.com
• www.how2businessplan.com
• www.sedonakathy.com

1120 W SR89A, B-5, Sedona, AZ

928-274-4088  kathy@kathyhowe.com

A REBarCamp is an “unconference”…

I had the priviledge of facilitating with Sheri Moritz (@RealLifeSheri) on blogsites v. websites.  We demonstrated the use of wordpress.org themes.

Sheri Moritz rocks!  Read her Inman Boot Camp article:  Click Here

Kathy Howe aka SedonaKathy

• www.how2educate.com
• www.how2arizona.com
• www.how2realtyreferrals.com
• www.how2businessplan.com
• www.sedonakathy.com
• 1120 W SR89A, B-5, Sedona, AZ 86336
• 928-274-4088   kathy@kathyhowe.com

Proud resident of Uptown Sedona… an “Uptown Girl”

Currently, police can confiscate your cell phone (smartphone) without a search warrant.  Yes, they can go through your emails, your web searches, your documents, your pictures… without a warrant.

• What about when you leave your cell phone somewhere?
• What if you lose your cell phone?

This article discusses ways you can encrypt your phone in a way that will keep your information private.

It references the different phones, the apps for security and encryptions, as well as how easy it is for the information to be obtained with passwords, etc.

Great article.  If you have ever lost your smartphone and realize that you do online banking, password in to different sites…read the article and see if it could keep your information more secure.

Kathy Howe aka SedonaKathy

• www.how2educate.com
• www.how2arizona.com
• www.how2realtyreferrals.com
• www.sedonakathy.com
• www.how2businessplan.com
• 1120 W SR89A, B-5, Secona, AZ 86336
• 928-274-4088     kathy@kathyhowe.com

Proud resident of Uptown Sedona – an “Uptown Girl”

This AM a very good friend of mine sent me birthday greetings and an attachment of a Wall Street Journal article entitled:

 ” Why I Don’t Want an iPad for Christmas”

She asked me what I thought of it.

Here is my response to her:

“Actually that can be said of any application… but think this out.  Had you purchased an iPad when I did, you would already have paid for it by it’s abilities and convenience.  Return on Investment.  ROI.
 
While I am moving away from Apple, it’s not because of “the screen” (give me a break – the screen is fine), but because of 2 things:  no flash and I have to buy into Apple’s mobileme ($99/year subscription) in order to be able to do pictures, write, file pictures…  The transition requires a new mindset.  That was never my goal.
 
I am a PC girl.  Love my new Samsumg Focus…and I have an entire Office Suite on it.  I use Word.  I can access anything from any computer at Windows Live…  To have 2 systems (Mac and Microsoft) makes me less productive.
 
When I was in Flagstaff starting my career I had the 2nd fax machine in the Real Estate industry… First American Title had the first.  Who was more efficient and had time to do more deals?  Moi!  I wasn’t running all over town, up and down I-17 to get documents signed.
 
I also had the first mobile computer – a Panasonic modem that if connected to a phone could access MLS and get a printout of the listings and sales.  That along with my Motorola mobile phone (yes, the one that looked like a brick with an antenna and cost $32/minute) at Saturday and Sunday Open Houses made me very popular with buyers and sellers.  Sold the 3rd most real estate in Flag that year.
 
The reason to embrace technology before others is to have an edge.
 
So how do I feel about technology right now?  I like my iPad for traveling, but I am looking for one of the new tablet PCs that will allow me to have the simplicity of the iPad, but the Microsoft products I prefer to use. 
 
There is no right or wrong decision when buying a computer. 

• Buy what you need. 
• Buy what gives you an edge.”

 Kathy Howe aka SedonaKathy

• www.how2arizona.com
• www.how2educate.com
• www.how2businessplan.com
• www.how2realtyreferrals.com
• www.sedonakathy.com
• 1120 W SR89A  B-5, Sedona, AZ
• 928-274-4088   kathy@kathyhowe.com

Proud resident of Uptown Sedona

 Can your iPad or iPhone do this?

I’m going to have to send my iPad to school! 

Having an iPad is an incredible treat.  From just the ease of carrying it with you, the iPad never disappoints…especially if you have the 3G.  Why not spend another $100 to have access to ATT’s Internet for only $29/month.  That is so little to spend to know that you will have access to the Internet almost any time and any place.

Recently a friend of mine and I drove across Arizona and California as we headed to Anaheim, California for a REBarCamp.  While at the “unconference”, I ran into Stefan Swanepoel, a real estate speaker/trainer/writer/trend reporter, who was also carrying his iPad.  Later, as we drove back to Sedona, AZ, I asked my friend to drive so I could review and edit a real estate course I had written for a Phoenix real estate company.  The 7 hour trip had few “dead spots” where we had to stop using the iPad.  Great battery life and ATT didn’t disappoint.  My friend is now getting herself an iPad after seeing one in action.

This Christmas if you don’t get an iPad, consider making it your next purchase.  While some people say they are going to wait for the camera, consider this:  Will you actually put something that large up to your eye, point, and click?  Hmmm.  Not me.  I’ll use my Flip Camcorder and my Samsung camera…

…which brings up a point:  When will Apple/Mac add a USB port?

I’m still a PC girl, but I love my iPad.

Kathy Howe aka SedonaKathy

• www.how2educate.com
• www.how2arizona.com
• www.how2businessplan.com
• www.how2realtyreferrals.com
• www.sedonakathy.com

928-274-4088  kathy@kathyhowe.com

Proud resident of Uptown Sedona

For you country types… the story of Leroy, the Redneck Reindeer.

Merry Christmas to all!

Kathy Howe aka SedonaKathy

• www.how2educate.com
  www.how2arizona.com
  www.how2businessplan.com
  www.how2realtyreferrals.com
  www.sedonakathy.com
  928-274-4088 kathy@kathyhowe.com

Proud resident of Uptown Sedona

Recently a listing agent was so distressed by what he considered to be an outrageously low offer from a buyer that he ranted he would not present the offer.

Can a listing agent NOT present an offer?

Even a verbal one?

This is from the Arizona Department of Real Estate’s Administrative Code, or what we in the business refer to as “Commissioner’s Standards”:

R4-28-802 states:

“…B. During the term of a listing agreement, a salesperson or broker shall promptly submit to the salesperson’s or broker’s client all offers to purchase or lease the listed property. Upon receiving permission from the seller or lessor, the salesperson or broker acting on behalf of the seller or lessor may disclose to all offerors or their agents the existence and terms of all additional offers on the listed property. The salesperson or broker shall submit to the client all offers made prior to closing and is not released from this duty by the client’s acceptance of an offer unless the client instructs the salesperson or broker in writing to cease submitting offers or unless otherwise provided in the listing agreement, lease, or purchase contract. The salesperson or broker may voluntarily submit offers to the seller or lessor regardless of any limitations contained in the listing agreement and may submit offers after the listing agreement is terminated…”

     No one knows when an offer might become an agreement…  A low offer is an opportunity to sharpen negotiation skills!

Kathy Howe aka SedonaKathy

• www.how2educate.com
• www.how2arizona.com
• www.how2realtyreferrals.com
• www.how2businessplan.com
• www.sedonakathy.com
• 1120 W SR89A, B-5, Sedona, AZ 86336
• 928-274-4088   kathy@kathyhowe.com

Stefan Swanepoel asked many of us to describe in one or two words, the last decade.  This was my contribution:

For me, personally:

9/11
compassion
reframing
refocusing
networking
stretching
learning
encompassing
trusting

For the world:

9/11
compassion
reframing
refocusing
networking
stretching
learning
encompassing
trusting
wondering

In 2001 my husband and I were in the process of moving to Oahu from the Big Island of Hawaii and change was in the air for us.  We had purchased a small condo on the water at the Colony Surf in the Diamond Head area and used it for weekends or times when I was teaching GRI in the Oahu area.  The morning of 9/11 I received a call from my Phoenix friend Susan who asked if I was watching TV…no, but I turned on CNN.  I was stunned.  And then I realized the quiet.

Perhaps that was the alarm clock for the rest of the decade.

Real Estate, as an industry, was moving along without understanding that the world had become one.  We were in a monster seller’s market and our eyes were wide shut.  We watched “shock and awe”.  We groused about “GW”.  We quit negotiating for our clients, rather we negotiated with them to submit an offer that would be accepted by the seller.  We believed that the economy issues were short term.  We forgot the past.  We forgot the cyclical nature of our business and many of us suffered with our clients.

But, Americans are resiliant and have an incredible ability to roll up their sleeves and look for the niche, to innovate, to create.  Google.  Facebook.  Twitter.  The world of the print media morphing into online reading…the Kindle.  Touch tablet PCs.  The iPhone and the iPad.  Too many to mention.  Our young minds at work.  They show us the way.

What will the next 10 years bring? 

The American spirit lives, creates, innovates, and knows no bounds.  If we can rid ourselves of the angst and the outrage, we will continue to lead the world.  Our contribution to the world is our compassion and our ability to reframe and refocus. 

As for the real estate industry?  This is my personal 3rd downturn.  As you have guessed, real estate is my career and my profession, not just a stepping stone to another career.  We will survive and we will be stronger from it.  Each time I have seen real estate make major corrections and strides.  It’s during down times that we catch up with where we should be.  We take a hard look at where we are and what we are doing…we adjust.  We quit resting on our laurels.

The ship is turning.  The next 10 years?  REALTOR.com will be morphed into something else.  MLSs will aggregate.  The consumer will change the way we serve them.  Actually, they already have…

PS  Marc Davison says it better than I…

Kathy Howe aka SedonaKathy

• www.how2educate.com

• www.how2arizona.com

• www.how2realtyreferrals.com

• www.how2businessplan.com

• www.sedonakathy.com

• 1120 W SR89A, B-5, Sedona, AZ 86336

• 928-274-4088       kathy@kathyhowe.com

Why would I leave my iPhone for an “upstart”?

Simply put:  I have been a PC girl since 1986 and I love Microsoft’s products.  No, I have not been in love with the updates, the hacking, the arrogance of Microsoft.  Then Bill Gates left the company to others – he trained his replacements (or so he thought).  Microsoft lost market share.  Microsoft became a whisper.

So, I bought an iPhone…and an iPad.  Many of my friends were the “mac-heads”.  And, as we all know, Apple is revered by the elite. 

But, I’m not an elitist.  I’m “mother earth” – I’m practical.  When I realized I had to purchase all the Apple software and subscribe to Mobile Me… they lost me.  No “flash” either. 

Why do companies who are super powers become so enamoured with themselves that they forget who pays the bills?

We do.  The consumers.

Well, I will keep my iPad and I will love it for travel and “eating out” alone when I can get away from the office, the phone, and catch up on my reading…

But, for me, I want the integration of Windows, Office, and “flash”.   And I am excited that Google Docs now supports Microsoft Office documents!! 

Can you imagine Microsoft and Google together??!!

Wet dreams.

Next for me will be the Dell Inspiron Duo Windows 7…in RED…do you hear that Dell? 

I tried to buy one in RED recently and found that Dell was only taking orders for black with a shipping date of 12/20/10.

I’ll wait…

Kathy Howe aka SedonaKathy

• www.how2educate.com
• www.how2arizona.com
• www.how2realtyreferrals.com
• www.how2businessplan.com
• www.sedonakathy.com
• www.kathyhowe.com
• 1120 W SR89A, B-5, Sedona, AZ 86336
• 928-274-4088  Kathy@kathyhowe.com

Proud resident of Uptown Sedona

These videos show the human spirit!  Enjoy!

Have a great day!

Kathy Howe aka SedonaKathy

• www.how2arizona.com
• www.how2educate.com
• www.sedonakathy.com
• www.how2businessplan.com
• www.how2mediate.com

1120 W SR89A, B-5, Sedona, AZ, 86336

928-274-4088  kathy@kathyhowe.com

Proud resident of Uptown Sedona!

12/6  10-1  Legal Issues – Potpourri

12/6  1:30-4:30  Contract Writing – Cures

12/7  10-1  Sick Building Syndrome – the Moldy Facts (Disclosure)

12/7  1:30-4:30  Roots of Discrimination – Examining our past  (Fair Housing)

12/9  1:30-4:30  Broker Management Clinic (Commissioner’s Standards)

12/13  1:30-4:30  Agency – Arizona’s Way

12/14  10-1  Short Sales (Legal Issues)

$25/class or $75 for 8 classes over the next 12 months

Certificates emailed

1120 W SR89A, B-5 (at elevator turn to rear of bldg) LaTierra Plaza

Sedona, AZ 86336

Kathy Howe aka SedonaKathy

• how2educate LLC

Kathy Howe aka SedonaKathy

• www.how2arizona.com
• www.how2realtyreferrals.com
• www.sedonakathy.com
• www.how2businessplan.com

928-274-4088

RESERVATIONS:  kathy@kathyhowe.com