Volume 17
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Issue 20
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SEPT 2018
A quarterly publication of the Real Estate Board/Commission of Strata Corporations
Board offers Back-to-School Assistance to Children’s Home efforts and resources,” explained Marketing Manager, Damian Wilson. “The items were provided almost exclusively through the contribution of staff, their families and friends and members of the Board of Directors. Each child was given his or her individually labelled package based on the needs identified by the Home. Packages included some combination of lunch bags, school shoes, socks, calculators, thumb drives, pens, pencils, erasers, sharpeners, crayons, hardcover note books and colouring books,” he went on to say.
Board CEO Sandra Garrick hands over one of several packages donated to children of Strathmore Garden’s Children’s Home
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he Real Estate Board extended its relationship with the Strathmore Gardens Children’s Home, in Spanish Town, St. Catherine when it made a donation of much-needed back-toschool supplies, just in time for the start of the September school term. The items were handed over on Wednesday, August 29, at the Ardenne Avenue-based child care facility. The Home provides care for almost 40 children; most of whom go out to schools in and around the area. Younger ones and those with special needs attend the on-site
Leigh’s Learning Centre. Last December, staff members visited the Home to brighten up the facility by painting the outer portion of the building and making a donation of snacks, juices, tinned food, dried goods and toiletries. The effort was spearheaded by the Board’s Staff Engagement and Corporate Outreach (SECO) Committee. “The initial idea from the Committee was a treat for the children. However when we reached out to the administrators of the Home we realised that there was a greater need, so we redirected our
I am extremely proud of the way the staff members and Board members rallied around this cause. What we had available to distribute exceeded our expectations, with persons giving in both cash and kind Sandra Garrick Chief Executive Officer Real Estate Board
T he Re a l E st ate J our na l
Timeshare Jamaica Annual Fees Reduced
Terrorism Prevention Act 7 Signs of Breast Cancer
CEO’s Message
The Real Estate Training Institute
Inaugural High Schools Essay Competition Launched Local & International Real Estate News
The Real Estate Authority of Jamaica
HUMAN RESOURCES: What is Your Greatest Weakness?
REAL ESTATE Could be this funny!
T he Re a l E st ate J our na l
COMMON PROPERTY & MAINTENANCE FEES Maintenance Contributions EACH PROPRIETOR is responsible for making his or her regular monthly maintenance contributions to the maintenance fund established for the control, management and administration of the common property (S.5 (2) (a)) The amount of maintenance contributions is determined by the budget expenses of the Corporation. This budget should be passed at an Annual General Meeting (AGM) or an Extraordinary General Meeting.
Common Property includes: T he e x te rna l p o r ti o ns of t he building/apartment e.g. roofs, walkways, pool facilities, grounds, parking facilities, recreational facilities, elevators etc. The Executive committee is responsible for the management and upkeep of the common property for the benefit of all proprietors. Remember when one proprietor fails to pay his or her maintenance fee, it puts pressure on all the other proprietors to make up the shortfall, and to suitably manage and maintain the common property!
The Commission of Strata Corporations
Board offers Back-to-School Assistance (cont’d) “I am extremely proud of the way the staff members and Board members rallied around this cause. What we had available to distribute exceeded our expectations, with persons giving in both cash and kind,” explained Board CEO, Sandra Garrick. “I am especially pleased with the fact that not one single child was left out. We didn’t want to make a blanket donation of items to the Home, but we wanted each child to be called by name to demonstrate that he or she is important and specifically thought of.” The CEO further explained that the packages reflected the age and academic level of the child. Mrs. Garrick also explained that the handing over was not only about the items, as staff members lingered to share words of encouragement with the wards as they prepared to go back out to school. The team also sang with and just talked with the children and staff. While social welfare projects are not new to the Board, having done projects over the years at the Salvation Army and the St. Monica’s Home for the Elderly, there was added significance to this one, as it had been incorporated into the Board’s 30th Anniversary observance. David McKenzie, a member of the Home’s Board of Directors, cited the timeliness of the donation in light of the new school term. “We are grateful for the interest shown in our home and the support given in every aspect of the children’s development.” Mr. McKenzie went on the say that the Home often had to depend on the generosity of benefactors to meet its needs.
T h e R e a l E s ta te J o u r n a l
JAMAICA
We’ve LOWERED the rates on ANNUAL FEES for Strata Corporations
...own a small piece of para-
The Real Estate Board has responsibility for determining all applications for Timeshare licences in Jamaica. Contact us to register your property today.
info@reb.gov.jm | 876-926-9748/9 http://timeshare.reb.gov.jm
www.facebook.com/realestateboardja/ Daily updates & posts Local & International Real Estate News Photo updates of all activities & events Real Estate Tips and Quotes Information for practitioners Radio & TV PSAs Videos ...and much more
Effective APRIL 1, the Annual Fee for Strata Corporations is 0.25% of the unimproved value of the land. (This is down from 0.4%) No strata unit is required to pay in excess of $12,000.00 per year for each unit’s contribution towards the annual fee when apportioned according to unit entitlement.
Your Annual Fee is a part of your Annual Returns and is due on April 1.
For more information contact:
Commission of Strata Corporations
T he R e a l E s ta te J o u r n a l
CEO’s MESSAGE Sandra Garrick
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s was indicated in the last issue of the Journal, this year the Real Estate Board celebrates 30 years as the Government regulator of the real estate industry. Starting September 1, 1988, the government, through the Board, sought to ensure order, integrity, and professionalism in the real estate industry. To this end, we have planned and executed a number of activities to observe this important milestone – some of which are featured in this issue. I want to thank those who made these individual activities possible, starting with our Social Welfare project at the Strathmore Children’s Home. Special thanks to the team at the facility for opening their home and hearts to us. We trust that the items provided will prove quite useful and assist, if even in some small way, in putting students on a path towards becoming independent and productive members of society. I want to thank the Mamby Park Baptist Church – the ministers, administrators and members for hosting our Thanksgiving Service on September 2. Thanks also to those who shared with us in the worship service, including our Minister, the Hon. Karl Samuda. You will also note our inaugural Essay Competition which we launched on Tuesday September 4. I must say thank you to some very important stakeholder groups who brought greetings and threw their support behind the project: The Ministry of Education, represented by Deputy Chief Education Officer, Mrs Winnie Berry; the Jamaica Teacher’s Association represented by its president, Dr. Garth Anderson, the National Secondary Schools Students' Council represented by president, Fabian Morris and
The Realtor’s Association of Jamaica and its president, Mr. Howard Johnson Jr. all provided excellent contribution towards the function. We look forward to rich participation from the high schools across the island and announcing a very deserving winner at the turn of the New Year. Finally, to the Power 106 team – specifically host and former Board member Mr. Ronnie Thwaites, and the producer and technical team behind Power Talk which hosted our outside Broadcast on Friday September 7; we say thank you. As I have done in various fora, I again use this opportunity to thank everyone who has played any role in the operations of the Board over these 30 years, namely: staff members, board members, portfolio Ministers, real estate dealers, developers and salesmen, facilitators at the Real Estate Training Institute, and stakeholder organizations including the Realtors Association of Jamaica, the Jamaica Developers Association, the National Land Agency, the National Environment and Planning Agency and the various Municipal Corporations. I close on another matter, dealers and salesmen are reminded of the deadline for payment of licence fees. Thanks to those who have already done so, comfortably ahead of the September 28 deadline, especially those taking advantage of the online payment option. Please be reminded that practicing without a licence is illegal and any work done without paying the half-year balance is a breach of the Real Estate (Dealers and Developer) Act. We look forward to serving you in the near future, as the new Real Estate Authority of Jamaica and expanding our new responsibilities of Timeshare and gated/shared communities.
T h e R e a l E s ta te J o u r n a l
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Board Targets Youth in Inaugural Essay Competition
he Real Estate Board is seeking to interest young persons in the real estate profession through an essay competition for high schools which was launched as a part of its 30th Anniversary observance. Speaking at the September 4 launch at the Real Estate Training Institute, Board CEO, Sandra Garrick, also explained that the Board wanted to do its part in contributing to the analytical and critical-thinking skills of young people, while providing an incentive for doing so. “Students who participate in academic endeavours such as essay writing tend to excel in academics generally and have better learning outcomes,” she offered. She also explained that there was a certain level of misunderstanding about the real estate professional as a part-time, subsidiary profession instead affirming the substantive nature of a job in this area. “Many of our salesmen go on to become dealers, providing employment for others. A career in real estate also allows a level of flexibility and autonomy, especially for persons who are selfmotivated, hard-working, honest, and enjoy (left-right) Randell Bailey, Corporate Planning Analyst and MC of the Launch of the High Schools Essay Competition; Winne Berry, Deputy Chief Education networking and helping people” Mrs. Garrick National Officer, Ministry of Education, Youth and Information; CEO of the Real Estate explained. Board, Sandra Garrick; Authrine Scarlett, Board member and Senior Director for President of the Jamaica Teachers Housing in the Ministry of Economic Growth and Job Creation; Fabian Morris, of the National Secondary Schools Students' Council and Howard Johnson Association, Dr. Garth Anderson, congratulated the President Jr, President of the Realtors’ Association of Jamaica Board on the launch of what he called an important initiative, adding that “education is a partnership and will only get better when partners such as the Real Estate Board invest time and money in the development of our young people”. Students who part icipate Also bringing greetings and adding their congratulations to the in a ca d e m th ic endeavours Board on their 30 Anniversary and this new initiative, was: Mr. Howard such as essay wri Johnson, President of the Realtors’ Association of Jamaica; Mr. Fabian ting Morris, President of the National Secondary Schools Students' Council and to excel in academ tend ics Mrs. Authrine Scarlett, Senior Director for Housing in the Ministry of generally and hav e better Economic Growth and Job Creation. le a rn in g o u tc Keynote speaker, Winnie Berry, Deputy Chief Education Officer in omes the Ministry of Education, representing Education Minister, Sen. Ruel Reid echoed much of the sentiments expressed previously. Mrs. Berry also noted that it was interesting that the competition was being launched in the first week of the school year and days before international literacy day. “Real Estate and the school system are inextricably linked” Real estate prices are driven, in a number of instances, by the quality of the school system that is in that community. Therefore the onus is on us at the Ministry and all of us to ensure that we have an education system that is learner centred, dynamically relevant, responsive, and cognizant of the social and cultural needs.” The competition which closes on January 4, 2019, is open to all high school students and invites them to write on the topic; “Regulation in the real estate industry is key to ensuring a high standard of service delivery and ethical conduct; it is not intended to increase bureaucracy. Discuss.” Students will be awarded first to third place prizes of $30,000, $20,000 and $15,000 respectively.
The matter took centre stage at the Realtors Association of Jamaica's real estate symposium, which was held recently at the Spanish Court Hotel in New Kingston, as part of activities for RAJ Week, September 30 to October 7. The symposium, which was sponsored by JN Bank, focused on the theme: 'The Impact of Airbnb on Real Estate Investments and Tourism.' Bennett-Cooper said several consultations were held across the country to garner the views and concerns of various stakeholders in regard to the revision of the rent act. She outlined that among the changes being proposed is an amendment to the name of the 'Rent Restriction Act' to 'The Rent Act'. The word 'restriction' will be removed to make it clear that the act covers the entirety of the rental industry. She said the revised act will also address current challenges in the rental industry and make it more equitable for landlords and tenants. "Right now, the act is crafted in such a manner that it is skewed towards protection of the tenants, and there's a long historical reason for that. And part of the difficulty is that when the tenant (destroys) your place (as a landlord) you have a major difficulty in getting that tenant out. This is one of the things that we are seeking to amend in the act, to take into consideration better protection for landlords, because it doesn't now exist," she said. In regard to short-term rentals, Bennett-Cooper noted that the current rules and regulations that exist in Jamaica do not take into consideration the new concept, which has grown exponentially during the past Rose Bennett-Cooper, chairman of the Rent Assessment few years. Board during her presentation at he RAJ Symposium 2018 Data from Airbnb Latin America and the Caribbean show held recently at the Spanish Court Hotel in New Kingston. that Jamaica currently has more than 3,100 active hosts and 5,900 active listings of short-term rental ose Bennett-Cooper, chair of the Rent properties. Assessment Board, says the long-awaited amendments to the Rent Restriction Act should be finalised within the next year. Right now, the act is crafted in "I was hoping that the amendments would be in such a manner that it is skewed place by December, but we're working on it. However, towards protection of the tenants, those amendments will come about soon, because we are far along and we have a draft bill that's coming ... and there's a long historical reason within the next year," she explained. for that. And part of the difficulty is The changes are expected to address the that when the tenant (destroys) existing inefficiencies in the act, which was last revised your place (as a landlord) you have in 1983. Among the challenges which currently exist in a major difficulty in getting that the rental industry are the standardisation of security tenant out. deposits, timely recovery of possessions, and the breach of tenant and landlord covenants. The recent phenomenon of 'short-term rentals,' or 'Airbnb', is also a matter that may be addressed Source: The Daily Gleaner. under the new legislation. Published Thursday October 11, 2018 The R e al Es t at e Jo ur n al
RENT RESTRICTION ACT TO BE MORE EQUITABLE
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T he R e a l E s ta te J o u r n a l
The Sears House Was The American Dream That Came In A Box
The exterior of a two-bedroom, craftsman-style bungalow built from a Sears house kit in Boston, July 6, 2017. (Photo by Pat Greenhouse/The Boston Globe via Getty Images)
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ears may be leaving our malls, but physical mementos of the company’s heritage live on across the United States. In fact, to many architectural historians, they are more desirable than ever. Sears houses, sold in kits and delivered to your local railroad station, were the biggest and most ambitious product offered by the company that sold everything via a catalog. Sears, Roebuck and Company's Modern Homes program began in 1908 and ended in 1940. During those years, about 75,000 well-designed, wellconstructed and economical houses were sold to American families. They ranged from pocket-sized English cottages to three-story, five-bedroom suburban manses; from lightly built garages and fishing camps to heavily framed houses that included two-story columned porticos, sleeping porches and portecocheres. Some of the earliest, marketed to areas without water or sewer services, had no bathrooms. Later, more lavish versions came equipped with the sought after amenities of the day, including built-in china cabinets, mirrored closet doors, dining nooks, kitchen cupboards, built-in ironing boards, telephone niches and medicine cabinets. The concept was simple: Customers perused
the Sears Modern Homes and Building Plans catalog, picked a dream home from dozens of models, sent a check and, a few weeks later, all the house parts arrived by rail. They included 10,000 pieces of framing lumber, 20,000 cedar shakes, screws, nails, paint and the endless other parts needed to build a house, including the doors, the doorknobs and the drawer pulls for the kitchen cabinets. The lumber came precut, along with instructions. Sears promised that, working without a carpenter and only rudimentary skills, a person could finish their Sears mail-order home in less than 90 days. Most customers, however, relied on local builders to put their house together. Sears even told you how much that should cost. The price was right: In 1918, some of the most popular models, which included many bungalows and Foursquares, cost roughly $3,600 to $4,600. To make things even easier, in 1911 Sears, Roebuck and Company began to offer financing. Although the mortgage at first included only building materials, it soon expanded to cover the building lot. The terms were easy, requiring a down payment of 25% of the cost of the house and lot, as little as 6% interest for 5 years, or a higher rate for up to 15 years. More radically, the application form asked no questions about race, ethnicity, gender or even finances. This made home ownership possible for thousands of buyers who were not welcome at their local banks. S e a r s stopped the mortgage program in 1934 as a result of the Great Depression. The Modern Homes program itself ended in 1940, undone by loan defaults and preWorld War II shortages of building materials. But by then, Sears houses had become a staple of the American landscape. They showed that homes could be standardized and affordable, but attractive and well built. Long before the advent of housing developments and the modern suburb, the Sears kit house gave many Americans their first taste of 20th century domestic life. Source: Forbes.com; Regina Cole, Contributor Posted October 23, 2018
T h e R e a l E s ta te J o u r n a l
◄Awardee’s presented with plaques for over 10 years of service to the real estate board at the 30th Anniversary Banquet and Awards Ceremony held at the Spanish Court Hotel on Saturday October 6, 2018
◄The Real Estate Board Choir makes a joyful noise in their rendition of ‘We’ve come this far by Faith’ during the Thanksgiving Church Service at the Mamby Park Baptist Church on Sunday September 2, 2018
▲Inspectorate Manager Sonia Graham (left) and Corporate Affairs Manager E. Elaine Gordon, give a big hug to a child at the Strathmore Children’s Home on Wednesday August 29, 2018.
▲Timeshare Manager, Mr Ainsworth Norton does his version of the famous Usain Bolt pose while giving the vote of thanks during the National High School Essay Competition Launch on Tuesday September 4, 2018.
T he R e a l E s ta te J o u r n a l
TPA Updates
TO ALL DEALERS: PLEASE NOTE THE FOLLOWING TPA UPDATES The Terrorism Prevention (Designated reporting Entity) (Real Estate Dealers) Order, 2017, makes it mandatory for any person licenced to practice as a real estate dealer to file reports under the Terrorism Prevention Act.
1. The deadline date for the report has been extended Acknowledged cover letters should be retained by the to October 31. reporting entity as proof of submission for the regulator's inspection. 2. Each form must have a Report number using the format below: 4. Regarding dealers who are employed by another dealYYYYMMDD/ABC/00001 representing: er; once that dealer to which he or she is employed YYYYMMDD - Date of the report makes a report that covers that dealer, he or she need ABC - An acronym for the reporting institution not make a separate report. The cover letter should 00001- Consecutive numbering of reports submit- indicate that the dealer employs the named dealers and ted. First report for the year should end with the that they do not carry out transactions outside of that number 00001; succeeding reports assigned con- arrangement. In cases where he or she does, separate secutive numbers 00002, 00003 etc. transactions, then a separate/individual report must be For reports submitted under TPA add TPA at the end of filed. the number, for instance YYYYMMDD/ABC/00001/TPA. 5. The report should be submitted by registered mail, 3. A cover letter on the reporting entity’s letterhead list- courier, or in person by the nominated officer or the ing the reports being forwarded to the Designated Au- qualifying dealer if that person is not the nominated ofthority should accompany all submissions of reports. For ficer. It should be addressed to: large submissions, a summary sheet can be attached to the cover letter by way of an appendix. The Designated Authority The cover letter should be submitted in dupli- Chief Technical Director cate, requesting that the copy be signed and returned Financial Investigations Division as acknowledgement of receipt. The cover letter should Ministry of Finance & Planning indicate the reporting period and the number of reports 1 Shalimar Avenue being submitted. Kingston 3 The cover letter or summary sheet should also provide the following information: 6. The reporting period is May 1, 2018 to August 31, 2018. The list that should be utilized is the Consolidat Name of customer ed United Nation Sanction List which is found on the Date of transaction United Nations website using the link: transaction amount https://scsanctions.un.org unique reference number
The R e al Es t at e Jo ur n al
My late husband’s ability to enter a room and quickly assess people and the ‘lay of the land’ was a marvel. This I found interesting as I would wonder if I was in the same room when I discovered what he was able to assess. What hobby would you get into if time and money weren’t an issue? I would grow orchids on a large scale and I would also travel extensively to all the exotic places in the world. What job would you be terrible at? I would be a terrible ballet dancer. What is the most annoying habit that other people have? I find people’s tendency to be thoughtless and selfish most annoying. A pet peeve of mine is to be waiting in a line of traffic and just as you are near the end of the line another driver ‘cuts’ in front of you as if you had nothing else to do but to wait and his/her time is more valuable so you should wait for him/her.
Sandra Garrick Chief Executive Officer In this quarter’s Let’s Meet feature, we profile the longest tenured staff member, the Chief Executive Officer of the Real Estate Board, who has been with the Board for all 30 years.
What state or country do you never want to go back to? I am not even sure what state we were in but we drove from New York to Saskatchewan, Canada and we passed through some very remote areas where we were given very evil looks by the residents and this made me fear that we would be lynched in that setting. What pets did you have while you were growing up? I always had dogs. What do you wish you knew more about? I would love to sit at a true master orchid grower’s feet.
What personality trait do you value most and which do What’s the farthest you’ve ever been from home? you dislike the most? I value most the ability to be loving and caring despite My trip to Alaska was my furthest trip. the challenges of life. I really dislike dishonesty and What fad or trend do you hope comes back? hypocrisy. All the styles I have seen have come back over the If you didn’t have to sleep, what would you do with the years. extra time? What was the most memorable gift you’ve received? I really don’t know. My engagement ring is my memorable gift to date, What do you regret not doing or starting when you were followed closely by my daughter sending me to St Marten for my birthday while she was still in college. younger? I don’t know that I have any major regrets as at each stage of my life I tried to use the circumstances of my What is special about the place you grew up? life to produce the best result I could get. Even the My later childhood and teen years were spent on Keesing Avenue, off Hagley Park Road. It is there that I disappointments and pain had ‘silver linings’. formed life-long friendships and enjoyed the comradery of other teens in the area. This huge group of teenagers Who is/was your most interesting friend? [ cont’d on next page]
T he R e a l E s ta te J o u r n a l [ cont’d from previous page]
would ‘hang out’ together (my house being the meeting place with the ‘cool’ mom), go to the movies and parties and walk home at nights after these events. Often the young men of the group would shout ‘run’ and the young ladies would run for dear life as the males threw stones on peoples’ roofs. What irrational fear do you have? The fear of failure is a very irrational fear of mine because we all must fail at something or at some time. What’s the best piece of advice you’ve ever received? The best piece of advice was to give my life to the Lord.
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Something new is on the horizon - new name, new emblem - with the same customer service satisfaction you’ve come to know and love. Look out for the REAL ESTATE AUTHORITY OF JAMAICA, merging the roles and responsibilities of the Real Estate Board, the Commission of Strata Corporations and the Timeshare Registry
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What is your Greatest Weakness?
magine yourself in front of a panel of interviewers and you are doing a marvellous job at representing your skills and personality. Then suddenly the cliff hanger question pops up – what are your greatest weaknesses? This question, which might seem on the surface to be trap, actually serves a very important function. Recruiters are not looking to see what you answer, rather, how your answer the question. They are trying to trying to see how well you respond to a question that is intentionally meant to throw you off your game. The number one job of the recruiter is to find the perfect candidate for the job and that means weeding out anyone who might not be the right fit. Recruiters want to see how you react to a question meant to throw you off your carefully memorized path as well as gauge just how good you are at being self-critical and aware. They are listening for what you are saying, beyond what you are saying. But, how do you tell the truth, without shooting yourself in the foot? The trick is to emphasize a positive quality or skill that's needed for the job, and minimize— but be truthful about—the negatives.
dependable, flexible, friendly, hardworking, HUMAN RESOURCE expressive, formal, punctual and being a team player). Some examples of strengths you might mention include: E n t h u s i a s m , Trustworthiness, Creativity, Discipline, Patience, Respectfulness, Determination, Dedication, Honesty Versatility. When you complete this list, choose three to five of those strengths that Gail Dandy-Newell match what the employer is Human Resource Officer seeking in the job posting. Make sure you can give specific examples to demonstrate why you say that is your strength if probed further. Scripting your answers Write a positive statement you can say with confidence: "My strength is my flexibility to handle change. As customer service manager at my last job, I was able to turn around a negative working environment and develop a very supportive team. As far as weaknesses, I feel that my management skills could be stronger, and I am constantly working to improve them." When confronted with this interview question, remember the interviewer is looking for a fit. She is forming a picture of you based on your answers. A single answer will probably not keep you from getting the job, unless, of course, it is something blatant. Put your energy into your strengths statement—what you have to offer. Then let the interviewer know that although you may not be perfect, you are working on any shortcomings you have.
Weaknesses Some examples of weaknesses you might mention include: being too critical of yourself; Attempting to please everyone or being unfamiliar with the latest software. The best way to handle this question is to minimize the trait and emphasize the positive. Select a trait and come up with a solution to overcome your weakness. Stay away from personal qualities and concentrate more on professional traits. For example: "I pride myself on being a 'big-picture' person. I have to admit I sometimes miss small details, but I always make sure I have someone who is detail-oriented on my team." Personal Tip You can use an online search engine to look for Strengths examples of how to answer a question on your When it comes time to toot your own horn, you need to weakness. However, please make your answer unique be specific. Assess your skills to identify your strengths. to your situation. Remember, recruiters use the internet This is an exercise worth doing before any interview. too for research, and you do not want to sound like you Make a list of your skills, dividing them into three are quoting a perfect answer from a website verbatim – categories: you should be natural and not too rehearsed. 1. Knowledge-based skills: Acquired from education and experience (e.g., computer skills, languages, Sources: degrees, training and technical ability). https://theinterviewguys.com/what-is-your-greatest2. Transferable skills: Your portable skills that you take weakness-examples-included/# from job to job (e.g., communication and people skills, analytical problem solving and planning skills) h t t p s : / / w w w . m o n s t e r . c o m / c a r e e r 3. Personal traits: Your unique qualities (eg, advice/article/greatest-strengths-and-weaknesses
T h e R e a l E s ta te J o u r n a l
REAL ESTATE Could be this funny!
FIRST National Bank tried to encourage business through billboard advertising, but conveyed quite a different message when the following ad was displayed: “Loans make life easier, at FIRST.�