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The Real Estate Journal Vol 16, Issue 17

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Volume 16

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Issue 17

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DEC 2017

A quarterly publication of the Real Estate Board/Commission of Strata Corporations

REB reaches out to the Strathmore Children’s Home

Mrs. Sandra Watson-Garrick (middle) presents Marcia Tucker, Head Supervisor at the Strathmore Garden’s Children Home with food stuff and other supplies. Also pictured is Robert Williams, South-East Regional Director at the Child Development Agency.

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n the true spirit of the season, the Real Estate Board/Commission of Strata Corporations extended a helping hand to the Strathmore Gardens Children’s Home, in Spanish Town, St. Catherine. On December 8, a group of twenty staff members made the journey to the children’s home, to not only brighten the facility by painting the outer portion of the building, but to brighten the spirits of the children and staff by visiting with them and making a generous donation of snacks, juices, cereal, tinned food, dried goods and toiletries. The effort was spearheaded by the Board’s Staff Engagement and Corporate Outreach (SECO) which has led past welfare projects at The Salvation Army and the St. Monica’s Home for the Elderly.

“The staff was quite excited about the project but we still have to serve the public so only a half of our complement could come out, as much as everyone wanted to be involved,” explained Board CEO, Sandra Watson-Garrick. “This year we wanted to do a new project so we decided to do the Strathmore Home. The staff was asked to pick up one or two additional items of groceries whenever they shopped and place them in the box [in the lobby area], which we gave to the home,” added Mrs. Watson-Garrick. Head Supervisor at the Home, Marcia Tucker, said she was overjoyed by the organisation’s decision to undertake this project. She said she was even more pleased to receive the donation of food and clothing for the children. Continued on pg. 3


T he Re a l E st ate J our na l

Timeshare Jamaica

Board Reaches out to Children’s Home

Continuing Professional Development

Local & International Real Estate

New CSC Commercials to Air

Congratulations Real Estate Training Institute NoĂŤlle-Nicole Walker Legal Officer

Real Estate Could Be this Funny?


T he Re a l E st ate J our na l

CEO’s MESSAGE

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n behalf of the Management and staff of the Real Estate Board and the Commission of Strata Corporations, I would like to use to this medium to thank all our clients, specifically our dealers, developers and salesmen, for your support and cooperation during the year. This year we introduced our practitioners to Continuing Professional Development which I have made reference to many times in this column. We believe, and international experience has shown that continuous professional development has significant benefits to any industry and is the best at keeping one’s skills current, while ensuring that service delivery to clients is of a high standard. In January 2018 we will be introducing two new CPD courses, the

Terrorism Prevention Act (TPA), an update to the anti-money laundering training required for real estate practitioners, which will run January 3, 4, 10 and 11; and the Real Estate Dealers and Developers Act which is scheduled for January 22 and 30, 2018. As mandatory courses for both dealers and salesmen, I would encourage persons to use the opportunity to get started on the CPD requirements as soon as possible. I would also like to thank all the persons who joined or are on the path to joining the industry - particularly those who participated in our prelicensing courses during the year. We are happy to report that in year two of the Real Estate Training Institute, the response and feedback continues to be positive.

REB Reaches Out…(cont’d from front pg) “They like when people come in to assist us and show them love. We are here every day so when others come in and do something for them it makes them feel good,” asserted Ms. Tucker. “I would encourage others to do the same, not just at Christmas time but throughout the year.” Also taking part in the handover and expressing his gratitude on behalf his organisation was, Robert Williams, South-East Regional Director of the Child Development Agency. Mrs. Watson-Garrick noted that consideration

You have also heard me repeatedly make reference to the merger of the two entities. We are expectant that this will be the year that comes to fruition, along with the anticipated operational efficiencies. As the Registrar of Timeshare, we are open for business to register properties or operations that would like to offer this service or regularise their operations. We are in the final process of completing our online registration portal which will make the process more convenient and efficient for users. The Commission of Strata Corporations continues to be hampered by the limited compliance of Strata Corporations it is mandated to regulate. We are hoping to address this through new public education mechanisms, starting with our new TV and radio commercials which we will unveil in January 2018. We hope that these efforts will result in increased compliance in all areas of strata living. Our major plans and goals for the next financial year include: legislative amendments or new legislation to strengthen our regulatory capacity; upgrading and verifying our database and IT capabilities; and continued public education to increase knowledge of our clients and the wider public. We welcome your feedback on any issue or suggestions on how we can improve the service we offer to you. In closing, we wish everyone a safe, healthy and prosperous 2018, personally and professionally.

Sandra Watson-Garrick CHIEF EXECUTIVE OFFICER

would be given by the REB to make painting the building an annual project or to adopt the home on a permanent basis. She is also encouraging other corporate entities to follow suit by not only making monetary contributions, but by going out and investing in a hands-on, practical way to institutions like the Strathmore Gardens Children’s Home. “The need is great and if children don’t feel like they have hope or are cared for, they become desperate. We want to give and give with all our hearts because it’s in the best interest of our children and our nation. It’s a good Christmas gift but the real gift is ours as we got a real good feeling doing this. When you give back… you get a real good feeling,” she stated.

additional images on pg. 6


T h e R e a l E s ta te J o u r n a l

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▲ Image and Business Etiquette Consultant, Cathy Stephenson of Wow Factor Creations does a make-up demonstration with Lisa Shim during the Staff Development Training Session at the Real Estate Training Institute on October 6, 2017.

▲ Chevelle Campbell (left) and Damian Wilson (right) with David McCoy, National Association of Realtors (NAR) President's Liaison to Jamaica - during the Realtors' Association of Jamaica Expo at the Jamaica Pegasus, Tuesday October 17.

▲ Mercede Scott, Donovan Gordon and Cresfroid Brown enjoy a drink at Royalton, White Sands, during the staff training exercise, Friday October 27, 2017.

▲ Board members came out to have a good time with the staff of the Real Estate Board at its Christmas Luncheon on Wednesday December 22, at the Knutsford Court Hotel.

◄ These four glamorous ladies are all smiles as they soak up the festive spirit during the Christmas Luncheon.


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REB reaches out to Strathmore...

Get your copy of the 2018 Real Estate Board/Commission of Strata Corporations Desk Calendar Exclusive, high quality, high gloss images Important date and reminders including payment deadlines and public holidays Information about Timeshare, Strata Living, Continuing Professional Development and the Real Estate Training Institute Get your copy from our front desk today.


T he R e a l E s ta te J o u r n a l

“We also wanted to start with the foundation of the industry and that is the Real Estate (Dealers and Developers) Act. Secondly, the aim of CPD is to keep the skills and knowledge of our practitioners’ current, with both the legislation and international best practice. Both these courses meet those criteria, especially with the new TPA requirements passed this year” -Sandra Watson-Garrick

Real Estate CPD Course to address new Terrorism Prevention requirements

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he Real Estate Board is set to roll out a new Terrorism Prevention Act (TPA) Course as a part of its Continuing Professional Development requirement. The government recently passed legislation requiring real estate dealers to report financial transactions that are linked to or suspected to be linked to terrorism. The course is one of two new Continuing Professional Development (CPD) courses slated for January 2018, as mandatory courses for real estate dealers and salesmen. The Terrorism Prevention Act (TPA), an update to the anti-money laundering training required for real estate practitioners, will run January 3, 4, 10 and 11, and the Real Estate Dealers and Developers Act is scheduled for January 22 and 30, 2018. The Terrorism Prevention (Designated Reporting Entity) Real Estate Dealers Order Resolution, which was approved in the House of Representatives on November 29, requires all real estate dealers to file quarterly reports with the Financial Investigations Division, and failure to do so will attract substantive fines. Board CEO, Sandra Watson-Garrick, explained the thinking behind the decision to offer these two courses. “When we tried last year, we didn’t quite get the response we wanted so we weren’t able to go forward with those courses. The suggestions we received

from the industry when we had our public forum in September were very instructive in our new roll out of the CPD courses for 2018. The first suggestion was that we begin with the mandatory courses, and the two courses mentioned previously are required for both dealers and salesmen.” “We also wanted to start with the foundation of the industry and that is the Real Estate (Dealers and Developers) Act. The aim of CPD is to keep the skills and knowledge of our practitioners’ current, with both the legislation and international best practice. Both these courses meet those criteria, especially with the new TPA requirements passed this year,” Mrs. WatsonGarrick added. “Another important suggestion we received was to see how best certain courses could be grouped into one-day, out-of-town sessions, for example by county or region. This would reduce the time and cost for professionals outside of Kingston and St. Andrew.” The CEO disclosed that the Board was actively exploring this possibility, starting with Montego Bay in the west. Both courses will be held at the Real Estate Training Institute, and constitute two hours each (four in total) of the required eight hours of mandatory courses. An additional twelve hours of optional courses are required for a total of twenty hours every two years.


The R e al Es t at e Jo ur n al

Report Activity of Trust Accounts – Real Estate Board

Chief Executive Officer of the Real Estate Board (REB), Sandra Watson Garrick (right), addresses the Annual Anti-Money Laundering/Counter-Financing of Terrorism (AML/CFT) Conference at the Spanish Court Hotel, recently. Listening keenly are Director of the Financial Institute Supervisory Division, Bank of Jamaica, Decoda Martin (left); and Chair of the function and trainer and consultant, Bazard and Company, Cheryl Bazard.

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eal estate dealers, developers, bankers, and others involved in financial transactions in the industry are being reminded to report activities on trust accounts to the Real Estate Board (REB). The trust account is used to hold fees pertaining to a real estate transaction, including sales deposits. Chief Executive Officer of the REB, Sandra Watson Garrick, said that under the Real Estate (Dealers and Developers) Act, the Board must be notified immediately if funds are withdrawn from the trust account. She was speaking at an Anti-Money Launder-

ing/Counter-Financing of Terrorism (AML/CFT) Conference hosted by the Jamaica Bankers Association (JBA), in collaboration with the Jamaica Institute of Financial Services (JIFS) at the Spanish Court Hotel in New Kingston recently. Mrs. Watson Garrick said that like the banking sector, the real estate industry is safeguarded from potential risks by various pieces of legislation that insist on strict reporting policies. These include the Proceeds of Crime Act (POCA), Terrorism Prevention Act, and the Financial Investigations Division (FID) Act. She noted that dealers are required to assign a nominated officer whose responsibility it is to file the required reports with the FID, which is the designated authority for the real estate sector under the POCA. The nominated officer should be a qualifying director or a senior manager with the requisite experience and training to fulfil his or her duties. Mrs. Watson Garrick, who spoke under the theme ‘Dealing with Ethical Dilemmas’, said ethical challenges may arise in the industry, by nature of the money involved and the number of intermediaries, including attorneys, financiers, developers/vendors and salesmen/dealers. She said that professionals can prevent potential ethical issues by avoiding conflicts of interest, that is, representing separate purchasers in the same sale, providing complete and factual advertising, maintaining an office and displaying licences, and hiring other licensed practitioners. Mrs. Watson Garrick noted that the REB has identified developers as one of the more ‘at-risk’ categories in the industry, as they are not subjected to anti-money laundering training and reporting requirements as are dealers and salesmen. Jamaica Information Service | October 23, 2017 O. Rodger Hutchinson


T he R e a l E s ta te J o u r n a l

"I have gotten used to doing everything through apps and technology, so it's kind of nice to make it convenient," said the prospective renter Madani, "And I didn't have to wait on anybody else. I was able to do it in my own time frame. It was very convenient."

Take a Home Tour with a Robot

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here was no one home when Avisheh Madani arrived to tour a San Francisco rental property. No one human, that is. Madani, 35, used a code from an app to unlock the door and was greeted immediately by a robot. "It was definitely weird," she said. The robot, really a moveable video monitor, is the brainchild of Zenplace, a rental management company based in San Francisco and expanding quickly across the nation. The company developed the software itself, which doesn't look like a classic robot, although it does have a face: the real face of the rental agent. Essentially it's a roving screen showing a live person in another location. "Robots are part of our end-to-end solutions," said Rahul Mewawalla, CEO of Zenplace. "What our robots really do is reduce the leasing period and cut down vacancy times for owners. Tenants can now literally go from seeing a place they like to renting it out in a matter of minutes versus the days and weeks it traditionally took." The rental agent talks to the prospective renter through the screen and can also move the device throughout the home. In addition to the live agent, the robot can provide real-time data about the neighborhood, amenities, and rental trends, such as pricing. It also has a lease application, so the renter can apply on the spot.

Fast-moving market It is the next step in management technology, and a response to an increasingly competitive and fastmoving rental market. Since the last housing crash, the nation's homeownership rate dropped to a record low and has hovered near there for the past year. Meanwhile, the growth in rental households since 2010 averaged just under one million annually, according to Harvard's Joint Center for Housing Studies. In addition, nearly 4 million single-family homes, the majority of them foreclosures, were purchased by investors and converted to rental homes, bringing the total now to just over 18 million. . Rental growth is finally starting to slow, but new rental households are still estimated to increase by nearly 500,000 annually over the 10 years from 2015 to 2025, a historically robust pace. . In response, a new breed of rental management companies, offering all kinds of apps and advancements in technology, are vying for the new business. "As a Silicon Valley company we are constantly asking ourselves how can we do better? How can we do something the next week which is entirely, three times better than this week?" said Mewawalla. "Our belief is we continue to remain ahead of the pack and improve the experience for landlords and tenants." This likely wouldn't work with for-sale homes, which might be filled with the owners' belongings. Rentals are often viewed empty. . Zenplace does have a security protocol. In order to gain access, the potential renter must first text the number on the sign and send an ID picture. Zenplace then does a quick "background check" (they wouldn't say exactly what type), and if the person is accepted, they are sent a unique code that unlocks the key box on the front door. All of that then activates the robot inside. "I felt very safe," said Madani. "I think in the future, if I were to do it again, I'd feel equally safe. It was just a different experience. It was like having somebody there, just in a different shape." . Zenplace currently operates the robots in its California properties but expects to expand to five other states, including New York and Florida, next year. Diana Olick | CNBC News—Real Estate Published December 15, 2017


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Congratulations are in order for: Data Processing Records Officer, Demesha Marsh, who took her vows to Clayon Marsh on October 17, 2017; to Information Technology Officer, Andrew Philp who graduated from the University of the West, with a Degree in Computer Sciences (minor in Statistics) on November 3; and Data Processing Records Officer, Jomo O’Meally, and his wife Kemone Marshallet-O'Meally who welcomed a son, Khalel O'Meally on November 1.


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New CSC Commercials explain Strata Living, Annual Returns

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Film producers in action as they shoot two new TV commercials for the Commission of Strata Corporations, November 26, 2017.

n response to a relatively high level of non-compliance and a general lack of knowledge by the public, the Commission of Strata Corporations (CSC) has taken to electronic media with two new radio and television spots to address a number of issues associated with strata living. “The Commission has been promulgating the messages encapsulated in these commercials since its inception, consistent with its mandate to monitor, regulate and supervise Strata Corporations,” explained Ainsworth Norton, Manager of the Commission’s Inspectorate. “Despite our efforts thus far, a significant amount of ignorance and misinformation persists about what it means to own and live in a strata property.” The commercials were shot over a two-day period at a popular gated community in St Catherine. The first addresses the concept of shared ownership and shared amenities as found in strata properties, and the importance of maintenance fees for the upkeep of said amenities. The shoot included drone and standard footage of the property’s pool area, tennis and basketball courts, football field, running track and park area. The second commercial builds on the first, expanding the discussion between the male leads, and going into issues of the executive committee and annual returns. “These issues represent the most prominent ones that owners and prospective owners of strata properties need to know,” asserted Damian Wilson, the Commis-

sion’s Marketing Manager. “We believe we have explained the issues in a straight-forward and interesting manner. Our goal is to see greater compliance with statutory requirements, not limited to the submission of annual returns and payment of maintenance fees. Most importantly, we want persons to appreciate the importance of communal spirit that will manifest itself in fewer disputes and non-payment of maintenance fees,” Mr. Wilson added. The Executive Committee of a Strata Corporation is made up of three to nine proprietors, voted at an Annual General Meeting, having responsibility for a litany of administrative and management functions such as budgeting and accounting, management and upkeep of common areas, record keeping, and making submissions to the Commission. Chief among these submissions are Annual Returns. The Registration (Strata Titles) Act requires strata corporations to file with the Commission, within one hundred and twenty (120) days after the end of the current (financial) year, audited financial statements or a copy of the accounts prepared in accordance with generally accepted accounting principles. This must be signed by the Chairman of the Corporation and at least one other member of the executive committee. The ads will air across local television and radio stations and can be seen of the agency’s website and social media pages.


The R e al Es t at e Jo ur n al

the last person in my family to meet him. What incredibly strong opinion or belief do you have that is completely unimportant in the grand scheme of things? That Shorty’s on Red Hills Road is the only pan chicken worth eating. That I could never seriously wear a wig. I’ve done enough weaves extensions and braids in life that a wig really shouldn’t be a big deal and makes sense given that I’m a natural girl who still loves options without the commitment. My hairdresser has tried but I just can’t do wigs. I just can’t. What lifestyle change have you been meaning to make for a while now? Getting more sleep and eating less sugar. A lot less sugar. I love sugar. It’s a real problem. And learning how to properly do makeup! The makeup game has changed and I’m hopelessly behind. Basically I like the results but I’m too impatient to learn how to do all that face painting. Noëlle-Nicole Walker Legal Officer

What’s one thing you did that you really wish you could go back and undo? Not taking dance classes when I was younger. Or sticking to a sport. Any sport. I was the person who tried everything but stuck with nothing. I wish I was a lot better at these kind of things and I could have been if I had been more committed. What’s the most illegal thing you’ve done? Mild to moderate breaches of the road code. Years ago in day care another child bit my son while he was napping. When the day care called to explain what had happened and I saw how bad the bites were it was the closest I came to doing something illegal. Fortunately good sense prevailed. But for a good while every time I would see the scars I would get upset all over again.

In your group of friends, what role do you play? Troublemaker. Period. But in a good way. What are you really good at, but kind of embarrassed that you are good at it? – or even just really good at? I’m just really good at figuring out how movies and tv shows are going to end. Pretty early into a show I can usually tell who the bad guy is and where the plot is going. I’m not embarrassed about it. But it can be annoying for people who haven’t watched the show before so in those cases I keep my observations to myself. It can be highly entertaining for people who have seen the show before though. What personality trait do you value most and which do you dislike the most? Value the most: that I’m all or nothing. If I’m going to do something and my mind is made up about it I’m doing it all the way. If I don’t want to do something no one can convince me to change my mind. If it’s something I can only half-ass I find it hard to stay invested. Dislike the most: I’m impatient. I hate waiting and I’m a sucker for instant gratification. It’s the number one way I frustrate myself.

If you could have a video of any one event in your life, what event would you choose? The c-section delivery of my son. I had to get general If you had to change your name, what would you anaesthetic and my husband was asked to leave the change it to? room. We both completely missed his birth and I was I love my name. I’d never change it. Come too far be-


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Let’s Meet…(Continued from previous page) ing a girl with what people usually think is a boy’s name to change it now. It’s the best thing my father has ever given to me. In the future I may add to it and become Noëlle-Nicole Natalie Walker-McGregor but that’s a mouthful with a lot of hyphens that probably won’t fit in any form, so for now I’ll just stay #me! What song or artist do you like but rarely admit to liking? Love Kartel, all the way back to old black Kartel, and Alkaline. I don’t deny it but in some circles I just wouldn’t bring it up. What are some of the events in your life that made you who you are? My parents’ separation and divorce. Being an only child. Losing my grandparents and 2 of my aunts in a relatively short period of time and seeing the effect it had on my mother and family. It’s made me place a very high level of importance on being independent and self-sufficient.

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What question would you most like to know the answer to? What really happens when we die. What are you absolutely determined to do? Raise my son to be confident self-reliant and brave enough to find and live for the people and things he loves. I think the best way to do that is to teach by example so I’m an ongoing work in progress in that regard. What one thing do you really want but can’t afford? A new house with more rooms and yard space. What is the luckiest thing that has happened to you? Meeting my husband. I met him kinda randomly in 2009 on a paintball trip. Despite having attended the same high school with him for 5 years we had never interacted before that. Because we were on the same team everyone exchanged contacts to share pictures and videos on FB. We started talking, got together 3 months later and have been together ever since. Our friend who planned the paintball trip was his Best Man. I think about how many times I probably walked right by him in the canteen or at devotion and never noticed him only to meet him and marry him a decade+ later. It makes me think about how perfectly random life can be. What fad or trend do you hope comes back? Neon. I love bright colours. Fast rappers that you can hear what they’re saying. Think Mystical, Twista and old Busta Rhymes.

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Planning for Success

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he importance of not just planning, but strategic planning, can never be overstated. This applies to all organizations regardless of size, service area or client base. As such, in November 2017 the Real Estate Board/Commission of Strata Corporations embarked on a three-day executive management planning retreat to chart the course for the upcoming triennium – 2018-21. Led by the organization’s Corporate Planning Analyst, Mr. Randell Bailey, the intense three-day process was one of reflection, introspection, evaluation, and preparation. Day one began with an opening session which included remarks and charges from the CEO, Mrs. Sandra WatsonGarrick, Mrs. Authrine Scarlett, Senior Director for Housing Management in the Ministry of Economic Growth and Job Creation, and Member of the Board of Directors, Mr. Karl Corporate Planning Analyst, Mr. Randell Bailey, addressing the team Vendryes. The work then began with a review of the perfor- during the three-day Executive Management Planning Retreat mance of the organisation against operational targets for the 2016/17 period. Thereafter, each unit, namely Corporate Affairs, Management Information Systems, the CSC Inspectorate, the REB Inspectorate, and Marketing/Public Relations, delivered presentations outlining tasks completed and challenges navigated for the 2015-17 period. They also indicated what the most immediate priority areas, consistent with budgetary allocations, should be going forward. The session continued on day two with particular focus being placed on determining the strategic trajectory of the organisation. This was prefaced by a report from Mr. Bailey on the findings from a series of focus group consultations with members of the REB/CSC staff, real estate and strata corporation external stakeholders, and members of the organisation’s Board of Directors. Those findings were used to elucidate commonly held knowledge, attitudes and perceptions about the organization, both internally and externally. They also informed an analysis of the organisation’s strengths, weaknesses, opportunities and threats. In all of this, the major aims of the exercise were to reformulate and plot a series of goals and strategic objectives for the organisation that are specific, measurable, attainable, relevant and time-bound. These were further broken down by units/departments. The third major task undertaken for the retreat was One of the small groups during the break-out session ensuring that a comprehensive Risk Management Plan is established for the organisation. The team identified and dissected the organization’s potential risks, the impact that such factors would have on our operations, the likelihood of occurrence of each, and the suitable responses that would be undertaken should they occur. The intense three days challenged participants to continue to undertake positive changes in order to meet the needs of both internal and external stakeholders. Morris Chang’s quote best encapsulates the importance of the planning session, and what it will mean for the organization going forward – “Without strategy execution is aimless. Without execution strategy is useless.”


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HUMAN RESOURCE

Gail Dandy Newell | Human Resource Officer

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n today’s corporate world, winning over a panel with a stellar interview and superb curriculum vitae does not guarantee your automatic entry into your desired job. With all the problems involved in making a wrong hiring decision, many employers are engaging in rigorous background checks to avoid the Jamaican anecdote of “buyin’ a puss inna bag”. According to Monster.com, 98% of businesses conduct background checks on potential employees before making a hiring decision. You might ask yourself, what a background check entails. Background checks can be quite simple in form, starting with a call to your previous employer and can become very detailed to include criminal records and credit history checks. Previous employment dates and positions held will be verified. In the background check process, employers are looking to validate what they learnt from the candidate in the interview room, and also to gain further insight about things which would be impossible to gather in the interview process such as soft skills. Your neighbors, former educators and social media page are all quite viable sources of information regarding your suitability for employment. Background checks are never to be done without your expressed permission. The good thing is that once an employer begins a background check on you, it means that they are very interested in you. Background checks are expensive and time-consuming, and are therefore usually done for candidates who have the greatest likelihood of being offered a job.

...and your employment Background checks can be a ‘make-it or breakit’ situation when an employer comes across conflicting or troubling information. Small deviations between your resume and the findings of a background check should not be cause for concern. However, discrepancies in facts will cause the employer to end the recruitment process immediately. For example, if you put on your resume that you spent five years at ABC Company as Senior Compliance Officer, when you only spent two years at the same company as Assistant Compliance Officer, this is a red flag for any employer. It would mean that you are lying and the big question of trustworthiness will come into play. If you know that you have an issue which might affect the outcome of your background check, it is best to disclose it in the interview room. For example, if you have a strained relationship with a former employer who may try to sink you, it is best to be open about it. Remember that those conducting the background check are people too. They are looking to read between the lines and are very aware that not all information they receive should be taken at face value. Once you are honest and upfront with your circumstances, they will appreciate your candor and it will only work in your favour.

Sources: Employment background check guide for job applicants. https://www.monster.com/career-advice/article/worriedabout-a-background-check How Background Checks Can Affect Your Job Chances http://www.jobmonkey.com/how-background-checks-canaffect-your-job-chances/


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Could be this funny!

CONTINUING PROFESSIONAL DEVELOPMENT COURSES AML Updates Terrorism Prevention Act Jan 3,4, 10, 11*

9:00 am – 11:00 am (all dates)

Towards better knowledge of the Real Estate Legislation The Real Estate Dealers & Developers Act January 22, 30* 2:00 pm – 4:00 pm (both dates)

*Please select one date only Both courses are two hours/$5,000

Courses will be held at The Real Estate Training Institute, 1 Surbiton Road, Kingston 10

Spaces are limited!

An agent who was being paid by the week approached his office manager and held up his last paycheck. ‘This is two hundred dollars less than we agreed on,’ he said. ‘I know,’ the manager said. ‘But last week I overpaid you two hundred dollars, and you never complained.’ ‘Well, I don’t mind an occasional mistake,’ the agent answered, ‘but when it gets to be a habit, I feel I have to call it to your attention


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