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October North Shore News, 1997
=s the rule
A huge source of concern over the years have been the issue of moving companies contacting member clients. The issue is that on numerous occasions an agent will secure a new listing, did not place a sign in the yard and did not advertise the property address yet moving companies secure the information that the house is for sale. Armed with the information of a new listing the moving companies aggressively market to the homeowner.
Through the assistance of a private investigator, North Shore Board of REALTORS
7 found a few non real estate companies who were selling a list to the moving companies that listed the homes for sale in the exact order as noted on the hot sheet. In fact, we did find two companies that were illegally accessing the computer and downloading the daily hot sheets. In only one instance did we successful find the real estate agent who gave out the access. The results were that we successful shut down those companies. After a while, unfortunately, the moving companies once again were receiving this valuable information. The problem was trying to locate those within our own ranks that were selling the information.Today, it is easier than ever for the moving companies to secure the information. Through web pages many companies are placing the listing, including the address on line. The war to keep the information private appears to be lost.
With this in mind, perhaps the real estate agent of today should take the time to warn their clients, after securing the listing, that many companies, including moving companies, will be aggressively marketing their services. It will still be an irritant to the client, but at least they will be forewarned. At least with the Federal Communications Commission (FCC) and the Federal Trade Commission (FTC) rules it makes it illegal to call residences prior to 8:00 AM and after 9:00 PM.
For a complete list of the rulings see the August, 1997 issue of the Designated REALTOR
7 published by the Illinois Association of REALTORS7.Daniel T. Schermerhorn, CPM
1998 Chairman of the Board
North Shore Board of Realtors
A native of the North Shore, Dan was born in Evanston and grew up in Evanston and Deerfield. A graduate of Loyola Academy in Wilmette, he attended Indiana University where he achieved a Bachelor of Science degree in Real Estate Administration in 1984. Dan moved back to Evanston in 1987 and was married in 1989. Dan and his wife Marianne now live in Skokie with their two young children, Maggie and Jack. Pictures of the children available without request.
After completing a two year stint in the newspaper business, as a paper boy, Dan got his first taste of Real Estate in 1976, working summers as a janitor. In 1984 he formally began his career as a property manager for the firm of Schermerhorn & Co. in Evanston. In 1986 Dan obtained his brokers license and became Vice President of the firm. In 1988 he completed the course and experience qualifications for the Certified Property Manager designation from the Institute of Real Estate Management. Dan's experience includes sales and management of Co-ops, Condominiums, Single and Multi-Family, as well as Office and Commercial properties. On January 1, 1996, Dan became President of Schermerhorn & Co. and serves in that position as the firm celebrates its 30th year in business on the North Shore.
Dan has volunteered for the North Shore Board of Realtors since 1985 when he joined the Education Committee. Since then he has served on the membership, grievance, mini-convention, finance and executive committees. Dan taught the computer module of the methods course from 1988- He chaired the Education committee in 1989, the year the Mini-Convention was born. Dan became a director of the North Shore Multiple Listing Corporation in 1989, was elected Secretary/Treasurer in 1991, and served as President from 1992 to 1994. He has been a member of the North Shore Board of Directors since 1992 and currently serves as a member of Association Operations Member Involvement Group of the Illinois Association of Realtors.
Courtesy 101
Food preparation is a precise issue. If you are having a dinner party, you know that you must purchase the food before hand, must have the time to prepare the food, arrange table settings and make sure you have enough room at your table to comfortably seat all of your guests. If you go to a restaurant, they are prepared to serve an unknown number of Aguests,@ yet at times, even they run out of a particular meal. Banquet facilities are not restaurants--it=s almost as though you were preparing a special meal at home. Just because there may be a restaurant in the same facility it does not mean that someone can show up without a reservation and expect to be accommodated. The food prepared for a banquet is rarely on the menu of a restaurant.
Let=s say you have been invited to a dinner party at someone=s home. Would you consider showing up without first telling the host you will be coming? Would you ask for a fruit plate if the hostess was serving fish? Would you call five minutes before dinner and inform the host that you have decided to attend so throw another steak on the fire? Would you yell at the host because you forgot to call and tell her you were coming? Would you decide not to attend, after accepting the invitation, and not understand that the host has already purchased your meal and prepared your food?
From the famous philosopher, Captain Kangaroo--@There are two little magic words that can open any door with ease . . . one little word is thanks and the other little word is please.@
MLSNI Update
Compass System:
Per a request by the North Shore Board, Area 29 (GOLF) has been removed from the active database (at this time, Area 29 is still appearing on the off-market database). All listings with the city name AGolf@ can now be found under Area 25 (GLENVIEW). A message has been placed on the system sign-on screen.
If you include Area 29 in any of your Prospecting files, these files need to be updated.
Compass System Changes
This new format will allow you to print the PHOTO Expanded Output Format without the Prospecting header appearing on the report.
Please note . . . in order to find item #13 you must PAGE DOWN. The Apage down@ command for this menu screen will appear on Compass7 within the next few weeks.
Compass System Hints
! Dial-In #: It is very important to have more than one dial-in number programmed into your ViewpointJ or LandmarkJ software to assure a connect to the MLSNI Compass7 system each time.
!
Saving: Press <F6> to save any changes or inputs.!
Pause-Resume: If you need to step away from your computer while you=re in the middle of entering a listing, you can use the APause-Resume@ function to save what information has already been input. Simply press <SHIFT><F6> and the message APartial Listing Saved@ will appear.Top
A 10@ Fines1. Submission of a new listing within 72 hours
2. Tax/Tax year
3. Coordinates
4. Unified School District
5. Coroporate limits
6. Reporting Closed (Sold) within 72 hours
Owner
=s name8. Lot dimensions
9. Parcel ID number
10. Cooperative compensation
Recent/Upcoming Changes
Change Listing (CHGL)
When changingthe status of a listing to CLOSED, you cannot enter a CLOSED DATE that is in the future.
Cma
The OFF MARKET DATE search criteria was changed to STATUS DATE.
Complex/Subdivison
Effective August 29th, the COMPLEX and SUBDIVISION fields will be merged into one field (SUBDIVISION) in the Archived Database.
Susan Kelly, Associate of the Year
Member since 1984
Past President WCR
Co-Chairman Education Committee
Co-Chairman Mini-Convention Committee
Chairman Membership Committee
Chairman Finance Committee
Director
Secretary
Treasurer
Chairman Elect
Chairman of the Board
Earned GRI and LTG Designations
Susan is with the Prudential Burnet office in Winnetka.
Susan and her husband Don are resident of Glenview and are the proud parents of three children, Susan, Joe and Betsy.
REALTOR
7 of the Year, JEAN GEORGEMember since 1977
Education Committee
Hospitality Committee
Vice Chairman and Chairman Membership Committee
Director
Secretary
Treasurer
President-Elect
Chairman of the Board
Finance Committee
Mini Convention Committee
Director, MLSNI
Member WCR and served as Secretary, Treasurer, Vice President and President of local chapter
Earned CRS and LTG designations
Listed in
AWho=s Who in Residential Real Estate in North America, 1994REALTOR
7 Associate of the Year 1988Jean is with RMC Realty a full service real estate company serving the North Shore and Chicagoland area. Jean has participated in all phases of real estate, however, her expertise has been in residential sales throughout the North Shore, primarily in the Lincolnwood, Skokie area where she has been averaging well over twenty million a year. She has received numerous awards for top agent both in sales and listings. Jean has worked with developers and builders not only in the custom home area but heading up a seventy-unit condo development in Skokie. Jean and her husband Connie, who works with her, have three married sons and three grandchildren.
Lead-Based Paint Regulations
HUD and the EPA have issued further clarification on some questions about compliance with the Lead-Based Paint Disclosure Regulations...
Q. Do the Regulations apply to oral and month-to-month leases?
A. Yes. The Regulations apply to both oral and month-to-month leases. They apply to the creation of a month-to-month lease, including a month-to-month tenancy which automatically follows the expiration of a stated lease term. The Regulations need not be satisfied repeatedly each month of a month-to-month lease, abut must be fulfilled again if any terms and conditions of the lease are changed or if new information about lead-based paint or lead-based paint hazards comes into the possession of the property owner.
Q. Are mobile homes included in the definition of
Atarget housing@?A. Yes. The Regulations apply to mobile homes (manufactured housing) even if it is known or believed not to contain any paint whatsoever (lead-based or otherwise).
Long Term Capital Gains. Holding Period Has Changed
Be careful when selling appreciated investments.
The taxpayer Relief Act of 1997, signed into law by President Clinton on August 5, 1997, will reduce the top tax rate on long-term capital gains to 20 percent from the previous 28 percent rate. However, the holding period to qualify for long term treatment was increased to 18 months, up from 12 months under the old law.
The new longer holding period will be effective for assets sold after July 29, 1997. Gains on assets held for more than 12 months but less than 18 months will be taxed at a maximum rate of 28 percent, not 20%.
There is a special provision giving relief to taxpayers who disposed of appreciated assets between May 7, 1997, the day the bill was first proposed in the House of Representatives, and July 29, 1997. Gains on assets held at least 12 months which were sold during this period will be subject to a maximum 20 percent capital gains tax.
OLD LAW JANUARY 1, 1997 THROUGH MAY 6, 1997
Holding Period Treatment Maximum Tax Rate
Less than 12 months Short term 39.6%
More than 12 months Old Long term 28%
TRANSITION MAY 7, 1997 THROUGH JULY 28, 1997
Holding Period Treatment Maximum Tax Rate
Less than 12 months Short term 39.6%
More than 12 months Transitional Long term 20%
NEW TAX LAW EFFECTIVE FOR SALES ON OR AFTER JULY 29, 1997
Holding Period Treatment Maximum Tax Rate
Less than 12 months Short term 39.6%
More than 12 months but
less than 18 months Mid term 28%
More than 18 months Long term 20%
Please contact your accountant and investment advisor before making any decisions. The wrong choice could cost you unnecessary tax dollars.
Information Video Available for the Deaf and Hard of Hearing
Now available in the North Shore Board Library,
AHelpful Hints for Buying a Home@ featuring: ASL - Open Captioning. This video is being distributed by Crestar Bank.
YOUR RPAC DOLLARS DO WORK!
By M. J. Sobota, RPAC Chairman
NAR spent RPAC dollars in order to save the homeowner $$ 3 Billion Dollars $$.
President Clinton signed the Taxpayer Relief Act of 1997, August 5. The following provisions were included:
Below is but a portion of the significant real estate-related provision in the tax legislation signed into law. H.R.2014
The capital gains tax rate has been reduced from 28% to 20% (10% in 15% bracket)
effective for sales or exchanges on or after May 7, 1997.
Couples filing a joint tax return can exclude up to $500,000.00 of gain on sale of principal
residence. Single return filers can exclude up to $250,000.00. Gain in excess of $500,000.00/
$250,000.00 is taxable at capital gains rate, effective on sales on or after May 7, 1997. Home
must be used as a principal residence for two (2) of the preceding five (5) years. Exclusion does
not apply to vacation or second home properties. Formula provided to give partial exclusion to
those who cannot satisfy the two-year requirement.
Expanded rules for Individual Retirement Accounts to allow penalty free withdrawals for first
time buyers of up to $10,000. Family members are also eligible to contribute up to $10,000.
A gradual increase in the estate tax exemption from $600,000 to $1 Million and to $1.3 Million
for qualifying small businesses and family farms.
Clarification of home office deduction rules.
Deductibility of health insurance premiums for the self employed phased-in to 100%.
Send in your RPAC contribution to the Board. Remember, your contribution is an investment in the future of your career in real estate. Your RPAC dollars do work!
COMMUNICATIONS FROM THE BOARD
We often hear that you did not receive various publications the Board sends out to you. We will list all of the items that we have sent out in the newsletter. Watch for it and if you did not receive any of the items, please call and we will see that you receive same.
8/23/97 - Creating New Opportunities Workshop Flyer 9/5,9/12,9/19,9/26
Personal Assistant Flyer 10/17
8/30/97 - Computer Classes Flyer 9/4,9/11,9/18,10/2
GRI Flyer
Newsletter
9/6/97 - Billing
9/13/97 - Letter and Brochure World Com
9/20/97 - Committee Request Form
HOME STUDY
Home Study includes cassette tapes and work sheets. Appointments must be made to take the course exam. Fees: NSBR members - $40.00; IAR members, non-NSBR members - $50.00; non-IAR members - $60.00
Mandatories: 3 Credit hours each
AGY440 Buyer Agency - Lynn Madison
AGY449 Buyer Agency: It
=s Not As Easy As It Looks - Marilyn GlazerFH305 Fair Housing - Bob Cichocki
FH327 Aspects of Discrimination - Marilyn Glazer
LL100 Agency, Antitrust and Licence Law - Stephen D. Bochenek
LL119 All About Personal Assistants - Kim Daugherty
Elective: 3 Credit hours each
ENV1229 Lead Paint Disclosure - Marilyn Glazer
FI1109 Creative Financing - Marilyn Glazer
CE ON CD
Learn at home or office, wherever there
=s a computer. Or, by appointment, use the computer here at our office. Call Elizabeth at the Board, for a copy of system requirements to run the CD, and to reserve the course for use. (847) 480-7177. Fees: NSBR members - $32.00; IAR members, non-NSBR members - $42.00; non-IAR members $52.00AGY463 Agency: Buyer, Seller, or Both - Bruce Adyt - 3 mandatory credit hours
RB730 Environmental Hazards & Selling Real Estate - Laurence Hillman - 3 elective credit hours
FH316 Fair Housing & Real Estate - Lynda McKay - 3 mandatory credit hours
If Real Estate Is Your Profession . . . Politics Is Your Business
Finally, the new federal tax legislation has been signed into law. Now all we have to do is understand it. Last month
=s column included a rundown of provisions affecting real estate. Now, I would like to concentrate on those provisions of most importance to your business.Capital Gains Reductions: Tax rate reduced from 28% to 20% (10% in 15% bracket). Effective on sales or exchanges on or after May 7, 1997. That means your client who sold last summer can benefit on the 1997 tax return.
Depreciation Recapture tax rate reduced from 28% to 25%. This means that the dollars written off to depreciation on a property and therefor not taxed, will be subject upon sale to a tax of 25%. While the drop is in the right direction, you didn
=t think Athey@ were going to let you or any other homeowner keep all the profit, did you?Exclusion on Sale of Principal Residence: This is the BIG one and should encourage many more listings and sellers. For years we
=ve been used to a seller being able to exclude $125,000 in gain on the sale of a principal residence. The seller had to live in the house 2 of the last 5 years. Also, this exclusion could only be used once in a lifetime and the seller had to be 55 or older. Tax on gain could be postponed by Arollover,@ into property of same or greater value.Now the exclusion has been increased to $500,000 for couples and $25,000 for singles. There is no age limit. There is no rollover. The exclusion can be used over and over, providing the seller has lived in the house 2 of the last 5 years. Think about it. This is a major change and will encourage mobility in the housing market. This too, is effective on sales after May 7, 1997.
Health Insurance Premiums: Self employed may deduct health insurance premiums on a sliding scale from 40% in 1997 to 100% in 2007.
Remember: These huge gains for you and our industry are due in large measure to your phone calls and RPAC dollars.
But, we can
=t rest: While the 28% to 25% drop on depreciation recapture was good, we want to see it at 20% like other investments - a level playing field.RESPA: NAR is working with HUD to aggressively reform RESPA. Sen. will keep you posted. We may need your phone calls again.
State Level: The current hot issue is Senate Bill 859. This bill is on the calendar for consideration in the fall veto session scheduled for October 23-30 and November 12-14. As originally introduced it established a mandatory licensing requirement for anyone appraising real estate, but exempted all employees of banks, mortgage brokers, accountants, but not REALTORS
7. The newly hired bank teller with no real estate experience would have been legally able to appraise real estate, BUT, NOT YOU. This and other onerous provisions have been removed from the bill due to our action. We now support.The legislatures are heading into holiday recesses, and many legislators into election campaigns. They will be here in their districts more of the time at public forums, receptions, dinners, etc. All create opportunities for you to talk with your legislators. Hopefully, this column gives you some ideas for conversation. For starters, those of you in the 10th district - Congressman John Porter has a Public Forum scheduled for Monday, November 17, 7:00 - 9:00 P.M. at the Northbrook Public Library. No charge and no solicitation, just a great opportunity to hear what
=s going on in Washington and to have your questions answered.Welcome new members!
Bonnie Cassidy - Re/Max Showcase, Lake Forest
Sandra Clifton - Koenig & Strey, Winnetka
Louis G. Cosentine - Koenig & Strey, Lake Forest
Deborah Daniels - Prudential Burnet Realty, Highland Park
Kathleen C. Doron - Prudential Burnet Realty, Glenview
Suzanne Durso - Century 21 Marino, Inc., Morton Grove
Sheila Feinerman - Koenig & Strey, Inc., Deerfield
Myrna Ignacio-Reginio - Coldwell Banker/Kahn, Glenview
James McInerney - Century 21 North, Northbrook
June Pearlman - Goldtree Realty, Skokie
Jennifer Petrauskas - R & R Real Estate, Inc., Morton Grove
Alla Risenzon - ERA Preferred Realty Group, Inc., Lincolnwood
Cornelia Sawle - Coldwell Banker/Kahn, Lake Forest
Toni Strange - Prudential Burnet Realty, Evanston
Marcia Vecchione - Prudential Burnet Realty, Lake Forest
New offices
Joseph D. Cavolick - Cavolick Consulting Group, 1621 Mission Hills Rd., Northbrook, 60062,
753-9898
John Cardwell - C & N Realty, 920 S. Waukegan Rd., Lake Forest, 60045, 234-7200
Sharon Drogos - ABC Home Warranty, 760 Hastings Lane, Buffalo Grove, 60089, 419-1000
Susan McKenna - firm name same, 345 Sherman Ave., Evanston, 60202, 475-0148
Donald C. Middlebrook - firm name same, 303 Ashland Ave., Highwood, 60040, 433-1030.
Nick Mahan - PNC Mortgage, 2201 Waukegan Rd., Suite S-100, Bannockburn, 60015, (847) 267-0180 (replaces Gary Wendt)
Reinstatements - Welcome back!
Edmund Horsch - Horsch, Inc.
Marie Levin - Coldwell Banker M&M, Wheeling
Val Vanstaan - ES Appraisal Group (Affiliate)
Transfers
Wendy Bergseth - Koenig & Strey, Deerfield (Koenig & Strey, Lake Forest)
Michael Brody - Prudential Burnet Realty, Glenview (Coldwell Banker/Kahn, Glenview)
Dolores Grigsby - Koenig & Strey, Northbrook (Baird & Warner Glenbrook, Glenview)
Edythe Klein - O.T. Pickell, Bannockburn (Prudential Burnet Realty, Highland Park)
Judy Newton - Prairie Shore Properties, Evanston (Coldwell Banker/Kahn - Cyrus, Evanston)
Karen Skurie - Prudential Burnet Realty, Glencoe (Baird & Warner, Highland Park)
Linda Wendt - Coldwell Banker/Kahn, Northbrook (Prudential Burnet Realty, Northbrook)
Donna Zupancic - Prairie Shore Properties, Wilmette (Prairie Shore Properties, Evanston)
Terminations
Vickie L. Alagna - Baird & Warner Glenbrook, Glenview
Barry Bass - ERA Preferred Realty Group, Inc, Lincolnwood
Marguerite Blassingame - Coldwell Banker M&M, Skokie
Patricia Chamberlain - Prudential Burnet Realty, Lake Forest
Mary Ann Di Blasio - Koenig & Strey, Inc., Lake Forest
Jane Gavens - Prudential Burnet Realty, Winnetka
Ginny Anzelmo Glasner - Baird & Warner, Inc., Highland Park
Jill Goodman - Coldwell Banker/Kahn, Deerfield
Kimberly Hansen - Koenig & Strey, Winnetka
Marie McCabe - Prudential Burnet Realty, Winnetka
David W. McStowe - Koenig & Strey, Inc., Wilmette
Shirley W. Neal - Prudential Burnet Realty, Winnetka
Farzan Padfar - Prudential Burnet Realty, Deerfield
Leann Parkinson - Prudential Burnet Realty, Highland Park
Elizabeth Potter - Koenig & Strey, Inc., Glenview
Patricia Power - Coldwell Banker/Kahn, Deerfield
Mona G. Rankin - Koenig & Strey, Evanston
Scott Reese - Save More-North Shore, Evanston
Eileen Rosengard - Coldwell Banker/Kahn, Northbrook
Ann Sheldon - Koenig & Strey, Winnetka
Marina Sigalos - Coldwell Banker/Kahn, Highland Park
Tamara A. Turbow - Jean Wright Real Estate, Winnetka
Angel M. Upton - The Upton Properties, Inc., Evanston
Gary Wendt - PNC Mortgage Corp. of America, Bannockburn (Affiliate)
Deceased
Life Member and Past President George Hall
Office Changes
Wendy Bergseth is the new Manager for Koenig & Strey, Deerfield.
American Lead Consultants has moved from 15455 W. Wildwood Ct., Libertyville to 25047 Palmer Ct., Antioch, 60002, (847) 838-3403, fax (847) 838-3516.
Sterling Properties has moved to 4100 Triumvera, Suite 203B, Glenview, 60025, new phone
212-2274.
Coldwell Banker/Kahn - Cyrus is the new name for Cyrus, REALTORS
7. Elaine Waxman is DR.Bea Taylor is DR for Baird & Warner.
Jaffe Realty
=s new address is P.O. Box 111, Deerfield, 60015, new phone 564-1180.Triad Realty Group has moved from 8240 W. Grand Ave., River Grove, 60171 to 400 E. Randolph, Suite 700, Chicago, 60601.
Greenview Realty has moved from 1613 Florence Ave., Evanston, 60201 to 1256 West Wellington Ave., One Rear, Chicago, 60657-4228, new phone (773) 529-5400, new fax (773) 529-7210.
Darab Shahabi
=s new address is P.O. Box 442, Glencoe, 60022.November 1
Karen Feldman
Daniel F. Hofstetter
Barbara Jedrzejek
Renee Kaminsky
Galina Perskaya
November 2
Sally Grabill
Martin Rosene
Lynda Schneider
Paula Weiss
November 3
Stuart Berry
Pat Cogley-Anhalt
Sharon Gertz
Elizabeth Gurza
Beth Zoeller
November 4
Megan Jordan
Bob Pasek
Mary Robinson
Patrick D. Ronan
Mary Rosinski
Danna Savin
November 5
Stacy Demas
Dandy Dumanlang
Alice Gibson
Joanne Hagee
Elaine Kolpas
Elizabeth Szwob
Margaret Tucker
Carol Lee Wax
November 6
Susan Kozloff
Jean Royster
November 7
Jimmy Demos
James M. Flanagan
Martha Hahn
Irene D. Luber
Rosalind Shapiro
Linda S. Stromberg
November 8
Deloris Alexrod
Alex Field
Sue Hoch
Deborah D. Ross
Anita Scheindel
Shannon Towson
Kathleen Winer
Margaret Yep
November 9
Donna L. Doberstein
Ben Gerstman
Catherine Kendall
Mikhail Kheresh
Barbara Mawicke
November 10
Tom Becker
Inge Fox
Leta Gold
Elizabeth Howe
Lee MacAdam
Richard Price
Eitan Ritter
Janice E. Schneider
November 11
Lee DeLucenay
Eva B. Jaszczuk
Judith Oberman
November 12
Joanne Hyun
Jung Sul
November 13
Pamela Adams
Thomas Beverly
Vicki Cienkowski
Larry Cohen
Sandra Melnick
Jeffrey B. Miller
James A. Mueller, Sr.
K. Bonnie Savidge
Rick Slifka
November 14
Judith Light
November 15
Demetra Atsaves
Barry Benveniste
Cheri Castaldo
Carol A. Majer
Pam Merrilees
Michael Moore
Kris C. Tsitsis
Judith Weiner
November 16
Alan L. Bigelow
Linda Bowman
Howard Finkle
Marlene Werman
Leslie Wolf
Shelley Zugerman
November 17
Alexander Bukhover
Sandra Frantz
Dolores Liaros
November 18
Carol Diener
Cynthia Vantell Grossman
Sharon Kallish
Dorothy Kiesel
Martha May
Marcia Plonsker
Regina Prokop
Pitsa Psyhogios
Janet Schiff
Donna Stockton
Midge Towson
November 19
Michael D. Burns
Joan Colmar-Goldberg
Judy Gillispie
Renee Tickman
November 20
Betty Abeles
Cynthia Bloomgarden
Frederick Braskamp
Claire Cortesi
Martha Huhta
Syed S. Hussain
Muriel Koester
Linda J. Thomas
Marcia Thompson-Leekley
November 21
Holly Anderson
Thomas Kurian
Daniel Malmed
Carol Payne
Darlene Settler
November 22
Sharla L. Luken
Mary Anne Perrine
Sue Slider
Ann C. Sophie
Werner Spanier
November 23
Joel Doty
Geri Emalfarb
Betsy Gladfelter
Helen Grivas-Banos
Myrna Ignacio-Reginio
Audrey McClure
Pranay Surati
November 24
Marlene R. Derdzinski
Alfred Knorr
Susan J. Matthys
Andrew J. Mueller
Mary Mulligan
John Rogers
Peg Spengler
Greg Thompson
Pauline Tsoris
November 26
Barbara Ann Bergan
Christa Donnelly
Heidi E. Ogden
Andrew Pelos
Carolyn Steinway
Marcia Vecchione
November 27
Annama Abraham
Cheryl H. Bradford
Andrew Brainerd
Glenn Gutnayer
Walter Kihm, Jr.
Jeanne Lees
Alan Ramsay
November 28
Wendy S. Cohen
Jeannie Emmert
Dmitry Finkelshteyn
Mary Kay Hennessy
Thomas Hunter
Bruce Macfarlane
Kathleen Tyrrell
November 29
Sara Benson
William D. Bernett
Jeanne Ohr
Michelle Shoemaker
Mike Stillerman
Pauline Wehr
November 30
Adriana Apostolescu
Gail R. Becker
Kathleen Deppen
Martha Glass
Joseph A. Graber
Mary Ann Haskins
Catherine E. Hughes
Darlene Jaffe
Patricia D. McGuire
Rosemary A. Mutton
Charles Packer
Loretta Thalman