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Providing Education, Resources & Networking Since 1978 Kentucky’s premier investment club for landlords, rehabbers and wholesalers Meeting the 4th Thursday of every month (except November & December) KREIA.COM • facebook.com/groups/kreiaky • twitter.com/reiaky

Monthly Newsletter for KREIA Members

Vol 11-19 November 2019 President’s Letter

Paid Advertising Rates

Holiday Party: Magic, Music, Munchies – and Free Admission for active members! Nov. 14th!

Welcome, New Members

A Free Lunch: Rehabbers are holding an ‘unofficial L.O.T.S. event’ on Nov. 19th

Venue Change: Indiana Lunch group to meet at new location

2020 Member Directory: It will be here soon

Mike Butler: Why you should avoid contract for deed deals when buying

Ed Melton Award Preview: Hank 10 Schildknecht reveals how this year’s winner was chosen

KREIA Members, Greetings, Happy Thanksgiving, Merry Christmas and Happy New Year! Thursday, November 14 will be the last KREIA meeting of 2019 as we conclude another prosperous, productive year with our awesome organization! We will celebrate the meeting this month with some special entertainment, door prizes and a change from the usual structured meeting schedule allowing for music, a few laughs and extra time to network with your favorite mentors and friends.

Chris McCarty

I personally wish to extend a very special and heartfelt thanks to all the dedicated people who contribute to KREIA each month with their time, leadership and tireless effort to make the monthly KREIA meetings, resources and other outside events possible, beneficial and informative. As an organization, we are doing well with over 650 members and growing. KREIA is one of the very few remaining and certainly about the largest REIA groups in the nation that is completely non-profit and served by volunteers. The officers, board and volunteers are already working hard to fill the 2020 schedule with relevant content and networking opportunities along with some new and fresh ideas. I hope each of you has an opportunity to take a breath, appreciate your accomplishments and enjoy time with family and friends this Holiday and Christmas season. As this year winds down, take inventory of your goals achieved and those yet to be conquered. Rest up and be prepared to hit 2020 head on with new challenges and favorable outcomes for all your hard work. See you at the meeting!

KREIA Photos

God Bless,

L.O.T.S. Recap: Brad & Katie Noe transform ‘Woodpecker House’ in St. Matthews

Chris McCarty KREIA President

Harry Borders: Can wholesale 20 properties be listed on the MLS? National REIA News Roundup

Calendar of Events

Copyright MMXIX Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Your KREIA Leaders

President Chris McCarty

Advertise With KREIA

Secretary Erik Hitzelberger

Vice President John Jones

Treasurer Mike Treasurer-Elect Grinnan CPA Wally Kallbreier

Board of Directors

Put your message in front of the most active rehabbers, landlords and wholesalers in the state! KREIA offers five membership levels for businesses. Go to KREIA.com and join at one of these annual advertising levels to get your ad in every issue of KREIA's newsletter and be invited to make ad pitches at meetings:

Business Card Membership . . . . . . . . $199 Includes your business-card-sized ad. Admission at monthly meetings remains $20. Premium Levels: These four advertising levels include your ½-page ad in each issue.

Rue McFarland

George Foree

Dennis Erhard

Frank Miller

Lauren Willoughby

Greg Nalley

Hampton Scurlock

Katie Crotzer

Rob Bergeron

Nina Musgrave

Rick Littrell

Christopher Jaquith

ParliamenPast tarian Michelle President Rawn Eric George

Get involved with KREIA. You can help with the monthly meetings, L.O.T.S. program, this newsletter, Saturday workshops, Government Affairs roundups, marketing, the KREIA website & more. Work shoulderto-shoulder with active investors! Ask for someone to direct you as you check in at the front desk at monthly meetings.

KREIA's newsletter is published monthly and serves to educate you and to remind you of upcoming monthly meetings. About KREIA: The Kentuckiana Real Estate Investors Association is a nonprofit organization focused on education, networking and resources for today's investor. Whether you are just starting out in real estate investing or are working on your hundredth deal, KREIA can help you learn more, earn more, and have more fun doing it. Group discounts are available. Contact us at News@KREIA.com if you want to: Advertise on KREIA.com • Sponsor a monthly meeting Sponsor a L.O.T.S. program • Sponsor Saturday Workshops

Bronze Membership . . . . . . . . . . . . . $499 Includes free admission to monthly meetings for one person. Silver Membership . . . . . . . . . . . . . . $699 Includes free admission to monthly meetings for two people. Gold Membership . . . . . . . . . . . . . . . $999 Includes free admission to monthly meetings for two people and gives you a skirted table in the vendors area. Platinum Membership . . . . . . . . Reserved Includes extra promotion. There can be only one advertiser at this level. Our current Platinum Sponsor, MM Lending, holds exclusive renewal rights until 2021. New ½-page advertising levels and pricing are in effect for new member signups and upon renewal for current advertisers. Questions? Catch up with KREIA Sponsor/ Advertiser Chair Dennis Erhard at the meetings. Or email support@KREIA.com.

Join KREIA Joining KREIA is easy: Go to KREIA.com and click the "JOIN" option on the menu. The cost to join as an individual member remains at $125 per year, with a charge of $20 at the door for monthly meetings. Click JOIN at KREIA.com to find out about all the benefits of membership for both individuals and businesses. Too many to list here!

HOLIDAY PARTY Magic & Music, Food & Friends … And Free for KREIA Members! Y’all Come!

Join us Thursday, Nov. 14th, for KREIA’s Holiday Party. It’ll be the last “main meeting” of the year, and we’re going to close out 2019 in style. We’ve booked New York magician Alex Voz, who’ll entertain us with a 40-minute show. For the rest of the evening, when we’re not handing out the Ed Melton Award or making announcements, we’ll be rocking out to live music from the local duo JacknLindsey. There will be tables around the room packed with hors d’oeuvres, so bring your appetite! Remember, it’s free for KREIA members! See you at the party! Alex Voz

What: KREIA’s Holiday Party When: November 14th, 5:30 p.m. – 9 p.m. Where: Woodhaven Country Club How Much: Free for active KREIA members. Non-members and guests will be charged the usual $30 door fee. Get a taste of the fun to come at the entertainers’ websites: ► AlexVozMagic.com

► JacknLindsey.com or facebook.com/JackandLindsey If you’ve got friends you've been trying to recruit into KREIA, bring them to the party! If they join on their way in, their door fee is waived. JacknLindsey

Please pre-register for the party, even if you’re a member and it’s free for you, because we need to estimate attendance. Tell us you’re coming at kreia.com.

Welcome, New KREIA Members! Jumana Alfarra Steve Craven Cristy Danner Levonte Evans Elke Fortin Bryce Foster Charlene Harty Ray Hass

Todd Johnson Nikki Judd Julia King Paige McPherson Jacob Michal Michael Robinson Tim Stone Tim Wolf

Unofficial L.O.T.S. event this month We normally don’t hold a L.O.T.S. event after the Holiday Party, and this year is no exception. However, the rehabbers who transformed the amazing April 2nd L.O.T.S. house – Chiquita Lindsay, Kisha Lindsay and Richard Wadlington – are inviting KREIA members to their latest rehab. And they’re feeding us! They’re arranging the catering as we go to press. (Originally it was to be B.Y.O. Lunch.) Meet them at 365 Southwestern Parkway, Louisville, KY 40212, on Nov. 19th at 1 p.m. to check out their new rehab.

Indiana Subgroup Luncheon Venue Changes in January For years, Indiana investors have been meeting for lunch and education on the second Wednesday of the month, every month, at Tucker’s Restaurant in New Albany. But on January 8th, there will be a new place to meet up. Brian Haeseley, who chairs the event, reports that starting in the new year, Indiana investors should gather at another New Albany restaurant: Mark’s Feed Store at 3827 Charlestown Road, which is just south and west of the I-265 exit. If you like BBQ, you’ll love Mark’s. But please attend the December 11 lunch at the usual location for one last meeting at Tucker’s, 11:45 a.m. – 1:30 p.m. As usual, Kentuckians are welcome, and the event is free for everyone to attend. (You must buy your own lunch.) Brian says the reason for the change is that Tucker’s has sold the restaurant.

Directories Are Coming KREIA’s 2020 Member Directory may not be ready in time for distribution at the Holiday Party, but we’ll have it for you at the January meeting – and maybe even earlier at events such as the Indiana Lunch and KREIA Happy Hour. Be on the lookout!

Why You Should Avoid Contract For Deed Deals 10 Fatal Mistakes of New and Veteran Investors, Part 1 By Mike Butler This is the first of 10 Fatal Mistakes of investors. These mistakes aren’t limited to new investors. Many seasoned veterans hiccup and hit potholes too. Some mistakes may seem contrary to popular beliefs, and each will be explained why it made the list.

This new investor tried contacting the shady seller about the refinance loan closing soon, but the shady investor would not return any calls to his new investor buyer. Ugh-oh… now it gets even worse. The shady investor visits each of the tenants in the duplex and tells them that he is the landlord and they must pay their rent to him. AND he tells them that the fellow they rented from was a contractor he hired to do all the repairs. This shady guy even shows them the deed where he is the owner. Both tenants begin paying 1. Contract For Deed – Land Contract their rent to the shady investor and ignore the new investor. This ugly shark has always surfaced around new investHere comes the pickle this new investor shared with me. ors. It’s been portrayed as a great, simple way to buy real He explained everything in detail and told me he has a estate. But using it as your primary method of acquiring “refinance” scheduled to close that would solve all his finaninvestments is very dangerous. Avoid it to buy property. cial problems – paying off all fees and all the accounts he Have I done it? Yes, when I got started. I did it on two maxed out to rehab the property. But he’s still making payproperties. I was very lucky. Both properties involved Ed ments on those accounts and not getting any of the rents. Melton Sr., who became a mentor of mine and introduced After many sleepless nights of frustration and worry, this me to the local investment group. Ed was an honest, mannew investor finally made contact with the shady investor. of-his-word investor. You can imagine he was madder than a mashed duck. The The Contract For Deed is a good tool for you to sellerfinance a property to an investor using the installment sale shady investor tells the new investor something along the lines of, “Sorry, Charlie, you should have done your homemethod for a good tax strategy. A traditional promissory note and mortgage is good too when selling to an investor. work, and by the way, you did a great job on the renovations Let’s see why using Contract For Deed as a routine buying and selecting great tenants for me.” Unbelievable! Well, here comes reality. Self-anointed experts would tell vehicle is hazardous to your real estate health. Just a few years ago, a new investor approached me to help solve the this new investor to get a good attorney and take the shady investor to court. OK, this could be Plan 27, but it does not huge pickle he got himself into. Here’s what happened. solve his problem right now! Even if he were to contact the This new investor hooked up with what he thought was best attorney, he would have to pay some big bucks up front, an honest, veteran investor who offered to sell him a runAND the court system is S-u-p-e-r S-l-o-w. It could take years down duplex needing over $30,000 in repairs to make it to work through the court system. livable. This seller said he would give him 100% seller What is the poor new investor to do in the meantime? His financing with no money down at a 9% fixed interest rate. full-time job does not make enough money to pay all of the This new investor thought he’d hit the jackpot because he is buying this piece of junk with no money down and he minimum payments on all his accounts. This new investor got could fix it up, rent it, and then refinance with a long-term, behind on all of his payments, ruined his credit, and ended low fixed interest rate. As expected, he began using all of his up filing bankruptcy because he was about to lose his home. BOTTOM LINE – Lesson Learned – Super Expensive School expert carpentry and handyman skills to rehab this duplex. of Hard Knocks – NEVER Buy Real Estate using a Contract For He maxed out all his credit cards, Home Depot account, Deed or “Land Contract.” ALWAYS Get The Deed when you Lowes, paint store accounts and more. So severe that he buy real estate, and I encourage you to get title insurance. If had to borrow more money to make the minimum your seller refuses to give you the deed and insists on a CFD payments on these accounts until his refinance closed. or LC, pass on it and move on. As Grandma says, “There’ll be As you probably know, this new investor burned his another bus coming along soon.” candle at both ends while rehabbing the property. Keep in To Your Continued $uccess! mind, the rehab project is in addition to his full-time job. Now it’s rent-ready, and the new investor rents out both apartments in his duplex. At this point, he contacts a local investor-friendly bank to “refinance” his duplex. All is in P.S. Sign Up for Your FREE Investor Training Every Tuesday order and everything looks great. He is so proud of his at 12 noon: https://MikeButler.com/PowerLunch creative financing strategy. Copyright MMXIX Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

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Announcing the 2019 Ed Melton Award This year’s recipient will be named at the Holiday Party

By Hank Schildknecht Many longtime members of KREIA had the privilege of knowing Ed Melton, Sr. Ed was, without a doubt, the greatest recruiter in the history of KREIA. Every person Ed came in contact with regarding a real estate matter was told of the merits of the Kentuckiana Real Estate Investors Association and encouraged to join. Ed was an active KREIA board member for many years. He was a dedicated mentor to novice investors and enjoyed passing on his experience and wisdom. Past Ed Melton Award recipients, left to right: Dan Jones, Ken Harrison, Mark Hass, I had the privilege to serve as Ed’s attorney for Connie Horsey, Jay Long, Chris McCarty, Jim Gardner, Mike Butler, Chris Dischinger, many years. It was a unique learning experience George Foree, Katie Crotzer, Hank Schildknecht, Rue McFarland and Dennis Erhard. for me to close Ed’s purchases and observe 1. Contribution to membership education; firsthand his methods of ensuring a true win-win 2. Development of fellowship; situation for all parties involved in each transact3. Active recruitment of KREIA members; and tion. After his death in 1998, the Board of Directors estab- 4. Active participation in the real estate industry. The following individuals have previously received this award: lished an award to be given in his name. The board set Continued on Page 28 the following criteria for selecting the recipient:

photo by bruce w. hinson www.obedientcamera.com Chris Goff and Bo Manry from REIPro were the featured speakers at October 24th’s “Explosive Marketing” main meeting.

KREIA

Photos

See more photos in KREIA's private Facebook group.

photo by bruce w. hinson www.obedientcamera.com Above: Whatever effect photographer Bruce Hinson applied to this photo of KREIA members networking at the bar, we love it! At right: The nook next to the fireplace is a popular spot to chat and chill. But wait until the temperatures drop – it’ll become even cozier when Woodhaven starts building us fires. Below: Got a question? The volunteer crew who checks you in at main meetings is here to help!

photo by bruce w. hinson www.obedientcamera.com

St. Matthews L.O.T.S. Home: A Closer Look Katie & Brad Noe transform the ‘Woodpecker House’ By Lauren Willoughby OK, first things first. Why are Katie and Brad Noe calling their current flip project the “Woodpecker House”? The handout they shared at the Oct. 27 L.O.T.S. event tells the tale: the “before” photos reveal a house sheathed in dark brown vertical wood siding, accompanied by brown wood shutters and a brownish roof. The total package did seem to be flashing an invitation to house-hammering birds. After the makeover is complete, no one will be tempted to call it the “woodpecker house” again. You can’t tell it from the photo here, but gray blue siding is going up (it was already covering the other side of the house). And a new roof is already in place to match. ??? The house was a hive of activity during The house at 914 Fountain Ave. got an extra bathroom and an addition off the L.O.T.S., with a rehab team buzzing around back, creating a roomy kitchen and dining area. (Photo by Lauren Willoughby) measuring, cutting and hammering. “Just like most rehabs, we had our timeline, and stuff “So that added roughly $25,000 to $30,000 to the rehab happens, and it gets pushed back a little bit,” Brad said. “But cost,” Brad said, “but we should make that back and then our crew has been working hard and getting it done as fast some on the sale. And also sell quicker, because in this area as possible.” you really need that second bathroom.” Brad said the original plan was to keep the house at the Brad found the deal by marketing to motivated sellers – same footprint, with 4 bedrooms, 1 bathroom. the sellers came to them via their marketing website. The “Once we got in here and started meeting with our owners had inherited the house and been living there for a contractors – and Katie, of course, being a Realtor, she ran while, but it was in rough shape. the numbers and looked at comps – we decided that we “There was a lot of deferred maintenance,” Brad said. “It were going to add a second bath.” The original bath’s was becoming a safety hazard.” He added that the owners entrance off the hall was walled off, and a new doorway had been wanting to sell for some time but felt stuck. Their was created in the dream was to move back to Bulllitt County and buy a new master bedroom. house. So Brad and Katie helped them by offering a 6-month “We were going to lease on a rental they had just down the road. get the most value add During that time, Brad told the sellers, they could hook up out of adding the secwith a credit repair specialist: “Get your credit where it ond bathroom and then needs to be, cash out on this house so you’ve got a nest egg, making a true master and in six months or so hopefully you’ll be able to fulfill your with en suite,” Katie dream … It really worked out.” said. The couple then THE NUMBERS created a new bathroom just off the kitchEst. Selling Costs: $11,400 en. And speaking of the Purchase Price: $82,500 Total Rehab Costs: $85,000 Est. Sales Price: $230,000 kitchen, they extended the house into the sun- Holding & Carrying: $10,885 Estimated Profits: $40,215 All-In Costs: $178,385 room, creating a gorgeous open kitchen and Brad & Katie Noe (Photo by Mike Why do we call it “L.O.T.S.”? Because we Learn On The Site! Fallot) dining area. Copyright MMXVIII Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

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LEGAL CORNER

Can You List Wholesale Properties on the MLS? What’s the Greater Louisville Association of Realtors rule? By Harry Borders Wholesaling in our market is getting very popular, and it can be profitable when it is done correctly. We’re asked all the time, “Once I get a seller under contract, can I then list the property on the MLS?” The answer is yes. HOWEVER, a Realtor cannot take a listing unless the actual property owner (or a power of attorney for the actual property owner) signs the listing contract. There is a rule that precludes Realtors from listing properties on the MLS if the “seller” only has equitable interest in the property. Unfortunately, we see this being done improperly quite frequently. Listing it incorrectly is a quick way to get yourself and the Realtor in trouble. Here’s the MLS rule: 1.25 EQUITABLE INTERESTS: Listings of “equitable interests” or “equitable title” will not be accepted by MSI or input into the MLS database. The terms “equitable interest” and “equitable title” shall refer to an agreement or other arrangement where the seller does not have legal title to the property but has only a right to obtain legal title to the property; provided, however, the terms “equitable interest” and “equitable title” shall not be deemed to include or prevent the listing of a vacant lot in connection with the proposed construction of a new dwelling on the lot where the home builder or contractor holds only a contract or option to purchase the lot. MSI shall have the sole and unfettered discretion in determining whether a proposed listing is a listing of an “equitable interest or equitable title.” Can you list wholesale properties on other websites? Yes, but only if you are crystal clear that you are NOT selling real estate but rather you are selling a contract you have related to the purchase of a property. Also, unless you are simply assigning the first contract to another purchaser, make sure that the contract to sell the property to another party is contingent upon your acquisition of the property. Otherwise, if the sale falls through from the original owner to you, you won’t have anything to sell to the ultimate purchaser. Copyright MMXIX Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

National REIA Real Estate News Roundup National REIA, of which KREIA is a chapter, reports on issues affecting real estate investors and also links to stories of interest from other organizations. Here is a sampling of recent news and resources that Brad Beckett, NREIA’s Director of Education & Outreach, has compiled.

Homeowners Are Tapping into the Auxiliary Dwelling Unit Trend Recently we saw a garden shed apartment that was being rented out for over $1K per month. Now we’ve learned from CNBC’s Diana Olick that more and more homeowners are carving out revenue streams from their backyards by constructing auxiliary dwelling units (ADU). Watch the video at CNBC: bit.ly/k1911_auxunits

Nonrevolving Debt is Surging The NAHB’s Eye on Housing picked up on an interesting tidbit in the latest Federal Reserve G.19 Consumer Credit Report that shows rising trends in consumer credit, excluding loans secured by real estate, through August 2019. Read the full story at bit.ly/k1911_debtsurges

‘Did Someone Die in This House?’ When you’re researching a property, have you ever wondered, “Did someone ever die or get killed here?” An eerie online site called DiedInHouse.com will, for a small fee, generate a report using millions of records to determine if a death occurred at any valid U.S. address. Read more about it at Forbes: bit.ly/k1911_diedhere

Rents Grow, Vacancies Shrink in MHCs A new study says that as the demand for workforce housing is growing, so too is the demand for renting in manufacturedhome communities (MHCs). Read more at the Scotsman Guide: bit.ly/k1911_mhc

Do You Want Your Business Card to Appear Here? Join as a Business Card Member for only $199/year, and see your ad in a year's worth of KREIA newsletter issues! Copyright MMXIX Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Continued from Page 10 Ed Melton Award Selection 1998 - Mark Lechner 1999 - Rue McFarland 2000 - Chris McCarty 2001 - Hank Schildknecht 2002 - Chris Dischinger 2003 - Rosetta Melton 2004 - Joe Hampton 2005 - Mike Butler 2006 - Jim Gardner 2007 - George Foree 2008 - Alan Johnson

2009 - Dick Vreeland 2010 - Connie Horsey 2011 - Noble Roberts 2012 - Jay Long 2013 - Gene Dyson 2014 - Mark Hass 2015 - Dan Jones 2016 - Dennis Erhard 2017 - Katie Crotzer 2018 - Ken Harrison

As you can see from reviewing the above-named recipients of the award, each has been very active in KREIA and has greatly contributed to its success. On Oct. 17, the prior recipients of the Ed Melton Award met for our annual dinner reunion. The purpose was to discuss our times in KREIA and pay tribute to Ed Melton, and to select the person who will be honored this year. Every recipient has taken his or her mission very seriously in selecting a deserving KREIA member to receive the 2019 award given in Ed’s memory. This will be the 22nd year that the award has been presented. It is one of the highlights of the year, and we look forward to honoring this year’s recipient at the November meeting.

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UPCOMING EVENTS

Holiday Party Alex Voz

Please join us on Nov. 14th for our annual year-ending celebration! Frank Miller has lined up some amazing entertainment, with an assist from Michelle Rawn. Be amazed by New York magician Alex Voz and rock out to local live duo JacknLindsey (Rawn is a big fan). Here’s the best news: the party is free for KREIA members! Doors open at Woodhaven at 5:30 p.m. on Nov. 14th. See you there! JacknLindsey

❖ Dec. 5 — 5 p.m.-7 p.m. KREIA Happy Hour. Networking at a local restaurant. Check your email. Jeff OBryan hosts. ❖ Dec. 11 — 11:45 a.m.-1:30 p.m. KREIA Indiana Sub-Group Luncheon Meeting. Meet up and network with Hoosier investors at Tucker’s Restaurant in New Albany (State Street and I-265). You buy your own lunch. Brian Haeseley chairs. Note that this is the last Indiana lunch that will be held at Tucker’s. ❖ Jan. 2, 2020 — 5 p.m.-7 p.m. KREIA Happy Hour. Networking at a local restaurant. Check your email. Jeff OBryan hosts. Our first main meeting of the new year will be held on January 23rd. Mark your calendar!

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