Industry Visionary Interview

Beverly Faull, SVP & GM, Fidelity National RE Solutions, Fidelity MLS Systems & Solutions

Beverly Faull has been a CEO and senior level executive in the real estate industry for over 20 years.

Email Beverly

Voices of Women Interview

Colleen Badagliacco, Partner, RE/MAX Valley Properties, and President-Elect, California Association of REALTORS® 

Colleen has four real estate offices in Santa Clara County.  

Email Colleen

Stop the Whining!

What advice does your manager give when you whine, "I got beat on price"?
   I hope he tells you that it's all your fault. Jeff Gitomer says, "the customer perceived no difference between you and the competition...therefore 'price' was all that mattered".

What advice does your manager give when you whine, "I cut my commission, but prospect chose someone else who didn't"?
   I hope she tells you that that price wasn't the issue. Jeff Gitomer preaches over and over again that value and relationships win the deal.

What advice does your manager give when you whine, "I've shown the Buyers 20 houses and they can't decide"?
   I hope he tells you that you haven't asked the right questions, are not listening to learn the customer's pain, 5 houses is one too many, and have you thought about leaving real estate to become a limousine driver to the rich and famous?

Stop whining and close the deal!

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To request information about royalty-free articles and publishing your online magazine and newsletters, call 800.704.FROG(3784) or email Susie@frogpond.com today. Take the Tour

Hit Your Email Target

To dramatically increase click through rates and sales on your email campaigns, spend some time segmenting your customer and prospect data base. There are three general ways to initially segment your groups: how recently they’ve clicked through, how often and how much they have the potential to spend.

A good first segment to develop is ‘preferred customers’. Send out an email offering a preview or a special early bird discount and check your click through rates to see how the message worked. Everyone can be a preferred customer to begin with, and then as you see the results separate out those who respond to that strategy.

Successfully segmenting is also cultivated by developing separate messages based on previous products or services purchased. Is you reader an income property owner or a first time buyer? Target a message to specifically reach each with easy to use software like FrogPond Publisher and watch your results grow.

Upper-tier agents acclaimed as Leaders in Luxury

DALLAS, Texas. (October 13, 2006) – Real estate professionals working in upscale markets gathered to see how their marketing techniques compare to the best in the business at a networking symposium for upper-tier Realtors at The Four Seasons Resort in Dallas (TX). Hosted by The Institute for Luxury Home Marketing, Leaders in Luxury (LIL) is an exclusive, invitation-only educational and networking opportunity for real estate agents who work in the million dollar plus housing market.

The Institute for Luxury Home Marketing announced this year’s Leaders in Luxury award winners, who were chosen by a panel of advertising executives for their quality and performance in upscale marketing:

Jo Ellen Nash of Nash & Company in Vail (CO), won Overall Excellence in Marketing.

Thao Dang of Century 21 Alpha in Palo Alto (CA), won for Best Marketing Piece for an Individual Property.

Maureen Loeb of RE/MAX Realty Affiliates in Reno (NV), won Best Integrated Marketing Campaign for a Single Property.

Michael Morrison of John L. Scott Real Estate in University Place (WA), won Most Effective Use of Institute Membership in Agent Marketing.

George Harvey of Telluride Properties in Telluride (CO), and Sandy Raines of HER Real Living in New Albany (OH), both tied for Personal Achievement. 

Jane Araguel of JME Realty in Destin (FL), took home two awards: Highest Dollar Volume of Closed Transactions Priced at $1 Million and Above and Most Closed Transactions of Properties Selling for $1 Million or More. 

Douglas Newby of Douglas Newby & Associates, of Dallas (TX), was inducted into the Leaders in Luxury Hall of Fame for winning the Most Effective Property Marketing award two years running.

Leaders in Luxury connects Realtors who focus on the luxury arena, giving them a venue in which they can share constructive ideas, learn from each other’s experiences, and gain new insights into the luxury market from industry experts. For information on Leaders in Luxury, visit www.LeadersInLuxury.com.

About The Institute of Luxury Home Marketing

The Institute has 5000 members on four continents.  Members who have completed special training and met performance standards may earn the prestigious Certified Luxury Home Marketing Specialist designation. Associates who demonstrate competence in the million dollar and above property arena are recognized with membership in The Institute’s Million Dollar Guild. Find training and membership information at www.LuxuryHomeMarketing.com or phone 214-485-3000.

Are you unsure about the return you are getting from trade shows?

• Do you feel like trade shows are a waste of your time and money?
• Do you feel like you put in more than you get back?
• Do you go to shows and generate tons of leads but nothing happens after you return?
• Does it feel like your company is just blending into the woodwork at shows and you are going unnoticed?
• Do your people come back from shows empty-handed?
• It DOESN'T have to be this way!

Register now for a 90 minute teleclass with Kim Ades on how to:

Maximize Your Return from Trade Shows

Where you will learn:

• How to maximize your ROI at a conference or trade show
• How to get the attention of major decision makers
• How to get mentioned publicly
• How to staff your booth so as to generate revenue on-site
• How to maximize your after-show hours
• Date: October 26, 2006
• Time: 2:00 PM EST
• Price: US$74.99

Call (416) 747-6900 x.225 to register or email us at davidl@openingdoors.tv

October Check List
from Maria Gracia, Your Organization Guru


____ Oct 1 Make sure you have a rake. The leaves will begin falling off the trees now, if they haven't already. If you require leaf bags, get them today.

____ Oct 2 Store away your summer clothing, and bring out your fall and winter clothes. If you pull out something you don't like, immediately put it in your Donations Box.

____ Oct 3 If you have a wood burning fireplace, it's a good time to begin collecting firewood now.

____ Oct 4 According to Arm and Hammer, remove coffee and tea stains and eliminate bitter off-tastes by washing mugs and coffee makers in a solution of 1/4 cup Arm and Hammer Baking Soda in 1 quart of warm water. For stubborn stains, try soaking overnight in the baking soda solution and detergent or scrubbing with baking soda with a clean damp sponge.

____ Oct 5 Pick up the ingredients to make a homemade loaf of pumpkin bread. Then, schedule time to make it. The aroma is perfect for the season.

____ Oct 6 Donate at least one kitchen appliance you never use.

____ Oct 7 Go through your medicine cabinet and toss any medication that is expired, or that you no longer use.

____ Oct 8 Empty your email inbox tonight by responding to any email that requires it, or deleting email you don't need. If you can't possibly do that in one night, work on this project for 10 minutes a night until it's completely empty.

____ Oct 9 Remove books from a bookshelf and clean the shelf. Then, return each book to the clean shelf when you're done.

____ Oct 10 Make your house festive for Halloween with pumpkins, mums and, perhaps, a scarecrow decoration.

____ Oct 11 Clean your windows, with window cleaner and a squeegee, or hire a window cleaner to do this for you.

____ Oct 12 Try to avoid the busy malls this season, and opt for buying holiday gifts online instead. Start now, if you haven't already, and aim for finishing before Thanksgiving.

____ Oct 13 Clean out any narrow-neck vases with 1 part water, 1 part vinegar and 1 part baking soda. If your vases have larger openings and are durable, put them in the dishwasher when you're ready to run your next cycle.

____ Oct 14 Clean and store your outdoor flowerpots. The harsh weather could cause them to crack if left outside.

____ Oct 15 Get your yard cleaned up. Remove any debris around the house.

____ Oct 16 Take your window screens out and replace them with storm windows. Cover your central air conditioning unit for the season.

____ Oct 17 If you live in a cold weather state, store any garden hoses for the season.

____ Oct 18 Re-organize the kitchen utensils drawers. If you don't have a utensil holder, be sure it's on your shopping list.

____ Oct 19 It's an excellent time to update your PDA and address books. When you're ready to send out your holiday cards, you'll be all set.

____ Oct 20 Weed out one drawer of your filing cabinet of papers you no longer need, shredding any documents that contain personal information.

____ Oct 21 Organize your CD collection, alphabetically within genre.

____ Oct 22 Clean and organize your coat closet. Donate any coats you (or other family members) no longer wear.

____ Oct 23 Add sturdy plastic boxes (with lids) to your coat closet--one for each family member. Label with the person's name. Add any scarves, hats, gloves, earmuffs and other outerwear to the appropriate person's box.

____ Oct 24 Clean out your oven.

____ Oct 25 Take the time to sit down with your children and, together, choose a set number of toys that can be given away to less fortunate children. New toys will be arriving from Santa soon, so it's a good time to weed out the old.

____ Oct 26 Vacuum the insides of an armoire, computer center, buffet, etc. that are extra dusty.

____ Oct 27 Level any framed artwork or framed photos hanging on the walls that are crooked.

____ Oct 28 Empty all of the trash containers in your home, garage, car, etc. into one big bag. Put that bag out on garbage day.

____ Oct 29 Daylight savings time (U.S.) ends at 2:00AM. Turn your clocks back one hour.

____ Oct 30 Start planning for Thanksgiving. Where will it be held? Do you need to make travel plans? Does anything have to be ordered ahead of time? Don't wait until the last minute, or you may find yourself stressed and overwhelmed.

____ Oct 31 Today is a chore-free day. Enjoy Halloween!

You have permission to reprint this tip in your publications. Please include the following Resource Box:

Copyright© 2006, Maria Gracia.  All rights reserved . FrogPond offers you More Royalty-Free Reprintable Articles at FrogPond.com

To request information about royalty-free articles and publishing your online magazine and newsletters, call 800.704.FROG(3784) or email Susie@frogpond.com today. Take the Tour

Balance Made Easy

So much of the time busy people bent on success in combining their professional and personal worlds forget about the one key element that makes their world really work: themselves.

In all of the never ending to-do lists and appointment calendars, often the factor that does not get scheduled is time to take care of you. And… if you don’t take care of yourself, the whole empire can come crashing down.

Here are three terrific tips to get time for yourself without having to add another appointment to your PDA or another to-do to check off:

Take breaks at the office. Every one-two hours is optimum. A break is like white space in a painting. You need it to stay fresh and to give perspective to the big picture.  Even if it is only for 10 minutes, go outside and breathe in some fresh air. Walk for a minute one direction and walk back. Sometimes you can even get brilliant breakthrough ideas during this ‘white space’ time.   

Nourish yourself. Be sure to have the food and beverage items you need on hand to nourish yourself during the day. Always have a meal substitute in your desk drawer and car in case your schedule suddenly gets tight. If you take the time to fuel your body, you will be able to better fuel your project.

Remember to breathe. Even in the most harried situation, there is always time to take five deep breaths. Often a trip to the restroom to rest and come back to your center of power can make a huge difference in your success or failure in any endeavor.

Spread the Word through Viral Marketing

Viral marketing is the technology term for what used to be called ‘word of mouth’. The difference is this marketing technique is done via email, not in person.

Here are five fabulous tips to get those emails forwarding:

Select the right advocates. They are usually your best customers or those who have had a problem with your product that you have exceeded their expectations in solving. Help them write a testimonial and with your copywriter turn it into a viral piece. Select advocates with large networks and send it to their contacts as well.

Get the right subject line. Your subject line determines whether or not the email will be opened. Make sure it doesn’t read like spam.

Make it a good story. Successful viral marketing pieces tend to tug on the emotions. The story needs to have strong human interest components and be light on hard facts.

Keep it simple. Go light on fancy graphics. This email is about the story and the advocate not about your latest flash technology. It is the personal angle that’s the message, not the bells and whistles.

Ask for help spreading the word. Make it sincere, not a usual threat of dire circumstances or plea to forward it. This is the critical sentence that determines if your message will keep spreading or not. 

 Value Added Motivation

Sales and marketing language use the term ‘value added’ as a benefit. Now you can apply that same idea into workplace motivation.

Invest some time to identify and examine the values by which people want to live in your company through the motivation filter. What values do you see as primary?

Here are a few values to start with:

• Accountability
• Discipline
• Empowerment
• Equality
• Integrity
• Perseverance

When you incorporate the primary value directive motivation of your team or staff, you can integrate it into the culture of the organization. Professional values may become a selection criteria in hiring, performance rewards and communication styles.

For example, if the primary value at your office is accountability, team members are willing to be the bottom line for the project for which they are responsible. They will foster a project through to the end and stick through the hard parts because they are dedicated to seeing it through to successful completion no matter what. They may go about getting the end result done in a non-traditional manner, however if that bottom line value is accountability and everyone follows through on it, no exceptions, that afternoon pizza party team-building event is an important component in the accomplishment of the project.

The downside occurs when an organization’s leader does not walk their talk. They claim certain values and then behave in a contradictory manner. In the accountability example, that would be when an error needs to be corrected in a project that is the leader’s responsibility and he blames someone else for it. That causes a breakdown in the trust across the board that is exceedingly difficult to ever fully regain.

When the value added motivation model is in place and working smoothly, cooperation is at a peak and there is momentum building constantly toward successful achievement of the firm’s goals which ultimately increases the primary motivator- profits.

2006 Entrepreneurial Excellence Series 
 
 No one needs to tell you being an entrepreneur is challenging. But you don't have to go it alone. The Entrepreneurial Excellence Series at the 2006 REALTORS® Conference & Expo (Nov. 10-13 in New Orleans) will combine the clear-eyed insights of leadership gurus and the hard-won experience of individual entrepreneurs into a can't-miss series.

Click Here to read the speaker interviews conducted by REALTOR® Magazine contributor Barbara Ballinger. They offer just a preview of the new ideas and inspirations you can expect when you attend the Conference sessions. 

David Oreck, 9a.m., Saturday, Nov 11

David is a New Orleans businessman and Vacuum guru.

Topic: Building Your Brand

Debbie Fields, 2:15p.m. Monday, Nov 13 

Founder, Mrs. Field's®  Cookies

Topic: First secret Recipe...Against All Odds

John C. Maxwell, 1p.m., Sunday, Nov 12

Author and Leadership expert

Topic: How to be a REAL Success

Marcus Buckingham, 11:15a.m., Friday, Nov 10

 Business author and researcher

Topic: Simply strengths 

Don't Miss Meeting these Exhibitors at NAR's Conference and Expo in New Orleans

First American Corp.

Visit them online at: http://www.firstam.com

First American offers transaction management, title insurance products, Web-based MLS services, 1031 exchange, property information, home warranty and more to members of the real estate and relocation industries.

Rich Casto & Company, The Real Estate Coaches

Visit them online at: www.therealestatecoaches.com

The future is now! Rich Casto's interactive online coaching is revolutionizing the way agents and brokers are being coached. Stop by to experience the Future.

ADIGIDA Solutions

Visit them online at: www.adigida.com

Preview ADIGIDA's Web-based real estate platforms for agent productivity and profitability-RealFuture/CRM employs a new, fast and clear Web 2.0 interface; HomeHubConnect lead incubation and the free HomeHub iSafe home inventory program.
eNeighborhoods

Visit them online at: www.eneighborhoods.com

eNeighborhoods is real estate's most popular marketing system. Combined with over 150 MLS IDX feeds, eNeighborhoods' tools include neighborhood reports, CMAs, buyer tours, maps, flyers, contacts, campaign manager and MLSConnect.

Fidelity National Real Estate Solutions

Visit them online at: http://www.realestate.fnf.com

Fidelity National Real Estate Solutions (FNRES) maximizes efficiencies and streamlines costs by delivering one-source, comprehensive technology solutions to real estate professionals.

Most Home Real Estate Services Inc.

Visit them online at: www.mosthome.com

Most Home provides a unique suite of internet services including lead response, customer experience management and wireless real estate services. Our services connect people with data, people with people and in turn assist brokerages and agents to successfully convert clicks into clients.

Obeo

Visit them online at: www.obeo.com

Obeo is the premier full-service Online Marketing Solutions Company in North America. With Obeo, you can captivate online buyers with the most comprehensive and visually stunning content for your listings, capture their interest and contact information and ultimately capitalize by targeting your efforts and taking advantage of that technological edge that Obeo can provide. Let potential buyers take psychological ownership by viewing floor plans, using click and drag furniture and studying neighborhood demographic information in addition to the professional 360-degree panoramas and photography. Set yourself apart as a leader by partnering with Obeo for all of your online marketing needs.

Rapattoni Corporation

Visit them online at: http://www.rapattoni.com

Setting the standard in Association Management software, Internet MLS systems and Secure Logon services. Bringing technology to the real estate industry for 37 years.

Broker Agent Speakers Bureau

Visit them online at: www.brokeragentspeakers.com

BASB is a full service speakers bureau specializing in the real estate industry. View and book over 200 of the top speakers in the country at our Web site. Watch videos, compare their fees, qualifications and more.

Bank of America, N.A.

Visit them online at: http://www.bankofamerica.com

Bank of America offers a broad array of mortgage solutions to meet the needs of today's home buyer through our coast-to-coast network of mortgage professionals, the largest banking center network of any U.S. bank, by phone and online.

Stewart Title

Visit them online at: http://www.stewart.com

Stewart delivers state-of-the-art real estate information solutions to the real estate, closing and mortgage industries. Stewart is a leading global provider of online transaction management and e-closing solutions, title insurance, escrow and closing services, title/escrow production systems, joint venture opportunities, lender services and real estate information services. Stewart: Grounded in Trust.

GE Security

Visit them online at: http://www.supraekey.com

Supra's iBox(tm) System from GE Security helps agents increase sales and build their business faster with less effort.

BlackBerry® by Research In Motion

Visit them online at: www.blackberry.com

The BlackBerry® Enterprise Solution provides a complete wireless connectivity platform for keeping users connected with email, applications, Internet and intranet, phone, SMS and organizer features.

COLLEGE STATION (Real Estate Center) – Remember that “soft landing” economists were predicting for the national housing market? Now, they have turned on the “fasten seat belt” light.

The Texas housing market, however, continues to fly high. The state’s population has soared by two million so far this decade. Home inventory remains low, and prices continue to appreciate.

Some speculative money has made its way to Texas, much less than in Florida, Nevada and California, says Real Estate Center Chief Economist Mark Dotzour.

Despite the smooth flight Texans currently enjoy, Dotzour sees two blips on the radar screen that might spell trouble ahead. 

“At this time, the most significant risk to the Texas housing markets is the possibility of large-volume builders attempting to make up for lost volume in East and West Coast markets by increasing volume in Texas cities,” said Dotzour. But he added, “I’m confident that will not happen.”

The second is one the entire U.S. housing market faces — a recession in 2007.

Dotzour is concerned because the United States has had a flat or inverted yield curve for nine months. This artificial situation occurs when short-term interest rates are higher than long-term rates.

“It almost always causes a recession within 12 to 18 months,” said Dotzour.

The Center’s chief economist says the declining ten-year treasury rate and home mortgages indicate that bond investors are convinced the 5.25 percent Fed funds rate is high enough to slow things down considerably.

“I don’t expect any movement on interest rates between now and the end of the year,” he said. “The Fed doesn’t like to take action before elections. But I think it’s highly likely that every day the yield curve stays inverted as it is now, is another day closer to a national recession.”

Source: RECON at Texas A & M University

KATRINA Relief Effort at NAR's Conference & Expo

HOUSTON (Stewart Title) – Stewart Title will donate $5 toward Hurricane Katrina relief efforts for every person who completes a pledge form at the 2006 Realtors Conference and Expo in New Orleans next month. The money will go to Operation Home Delivery, a Habitat for Humanity hurricane relief program.

Funds will be used to build homes that were severely damaged or destroyed by Hurricane Katrina. Pledge forms will be available at Stewart Title’s booth, number 1611.

Habitat for Humanity has nearly 400 houses complete or under construction along the Gulf Coast through Operation Home Delivery, and it hopes to have 1,000 new houses completed in hurricane-affected communities by mid-2007.

Source: RECON at Texas A & M University

If I Had My Life to Live Over 
by Erma Bombeck
(Written after she found out she was dying from cancer).
 
I would have gone to bed when I was sick instead of pretending the earth would go into a holding pattern if I weren't there for the day. 

I would have burned the pink candle sculpted like a rose before it melted in storage.

I would have talked less and listened more.
I would have invited friends over to dinner even if the carpet was stained, or the sofa faded.

I would have eaten the popcorn in the 'good' living room and worried much less about the dirt when someone wanted to light a fire in the fireplace.

I would have taken the time to listen to my grandfather ramble about his youth.

I would have shared more of the responsibility carried by my husband.

I would never have insisted the car windows be rolled up on a summer day because my hair had just been teased and sprayed.

I would have sat on the lawn with my grass stains.

I would have cried and laughed less while watching television and more while watching life.

I would never have bought anything just because it was practical, wouldn't show soil, or was guaranteed to last a lifetime.

I stead of wishing away nine months of pregnancy, I'd have cherished every moment and realized that the wonderment growing inside me was the only chance in life to assist God in a miracle.

When my kids kissed me impetuously, I would never have said, "Later.  Now go get washed up for dinner."  There would have been more "I love you's"; more "I'm sorry's."

But mostly, given another shot at life, I would seize every minute...look at it and really see it... live it and never give it back.  STOP SWEATING THE SMALL STUFF!!!

Don't worry about who doesn't like you, who has more, or who's doing what. Instead, let's cherish the relationships we have with those who do love us.

Let's think about what God HAS blessed us with, and what we are doing each day to promote ourselves mentally, physically, emotionally. I hope you have a blessed day.

Halloween.com

The updated Halloween.com is here and now more than ever our mission is to help you enjoy Halloween as much as we do! Since 1994 Halloween.com's objective has been to help users find useful information about the holiday, while at the same time help those with the information find the user. Halloween.com and the Halloween.com list of Halloween sites will now help you find everything from Halloween greeting cards, Halloween screensavers, Halloween jokes, costumes for kids, costumes for adults, costumes ideas for the physically challenged, Halloween Movies, last minute costume ideas. From Halloween games, to Halloween safety to trick or treating information to Halloween events, and everything in between. Our Halloween discussion in the Halloween.com forums lets you exchange ideas, comments and fun about our favorite holiday. Halloween.com is ghouly your one source of all things Halloween! Our complete sitemap shows all the Halloween sections.

Picasa

Picasa is a capable picture organizing program. It's one of Google's most useful and polished free programs. You can use it to touch up photos, make slide shows, burn photo CDs and more.

10 Spooktacular Tips by Maria Gracia

Ghosts, witches, goblins and black cats . . . yes, it's Halloween once again. Here are 10 tips to ensure this holiday is a fun one for you and your family.

1. MAKE A LIST.
   Make a checklist of everything you'd like to do for Halloween--such as making/getting costumes, having a party, attending a festival, carving a pumpkin, getting some scary books or videos at the library and taking the kids trick-or-treating, safety precautions, and baking pumpkin pies.
2. DECORATE FOR THE SEASON.
   It's time to pull out your tried-and-true Halloween decorations from year's past. If they're not in one organized place this year, be sure you put them all in one organized place for next year when you're done with them.
3. FIND THE FESTIVITIES.
   Using the Web and your local newspapers, find out what Halloween festivities are happening in your area. Schedule some outings for your family and enjoy the season. Apple picking, pumpkin picking and hay rides are popular this time of the year.
4. SEARCH YOUR TV LISTINGS.
   Search through your TV listings and make a schedule of all Halloween programs and cartoons you wish to watch. If the family can't be together when a particular program is airing, video tape it and watch it together later on.
5. BUY TREATS AHEAD OF TIME.
   Pick up Halloween treats at the supermarket now, so you're ready for trick-or-treaters.
6. ORGANIZE TREATS INTO TREAT BAGS.
   Spend time before Halloween, placing an assortment of treats into each treat bag (or plastic baggie.) Every trick-or-treater will then get an equal amount of treats.
7. ORGANIZE A HALLOWEEN PARTY.
   If you plan to have a Halloween party at your house, plan for the party ahead of time. Make a list of everything you plan to do, and everyone you wish to invite. Be sure to get the invitations out early. Begin preparing meals and baking before October 31st.
8. GET READY FOR PARTIES YOU'RE ATTENDING.
   If you already have plans to go to a Halloween party elsewhere, determine what you'll need to bring to the party. Will you need to bring food? Find out what dish you'll be bringing, and determine if it can be prepared ahead of time. Need a costume? Begin making one now, or be sure to hit the costume shops early, while you still have time.
9. SEND OUT HALLOWEEN GREETINGS.
   Halloween is a great time of year to keep in touch with family and friends. Send Halloween greetings in the mail, or save money and send e-mail greetings.
10. ENJOY THE SEASON.
    Go outdoors and enjoy the fall foliage. Take a walk in the brisk air. Enjoy your neighbors' Halloween decorations around town. Take some photos for your memory book. After all, this holiday doesn't linger after October 31st--you'll be heading right into the holiday season!

Hugs, The Frog

Susie Hale, President
Frog Pond
FrogPond Publisher
800.704.FROG (3764)
susie@frogpond.com

The Pond Report is published monthly by eFrog Pond, Inc. Our corporate address is 101 Westcott, Suite 102, Houston, TX 77007. We never rent, trade or sell our email list to anyone for any reason whatsoever. If you received this newsletter from a friend and you'd like to subscribe FREE to The Pond Report, click here. To unsubscribe or notify us of change of email address, click here.  

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