2018 - RAHB

~ Since 1921 ~

2018

Jack Loft,President

Ann Forbes ArndtLou Piriano, Immediate Past

President

Diane Price

Kathy Della-NebbiaNikola Bucalo Paul Hammond

Stephanie Pinet

Ralph Frisina

Richard Weima

Bob Van de Vrande,President-Elect

2018 Board of Directors

Empowering REALTORS® to Succeed

R A H B 2 0 1 8 A N N U A L R E P O R T | 1

I am pleased to say that 2018 was another successful year for RAHB and its members. As we approach our 100-year anniversary in 2021, I can safely say that like a fine wine RAHB gets better with age.

Although we experienced the market balance out in 2018, we saw: the number of RAHB members increase to historic highs, the level of service continue to grow, and

our advocacy efforts and relationships strengthen throughout our profession. As we achieved these milestones, our monthly member fees decreased by 11 per cent throughout the year. You work for your clients, and RAHB works for you.

Government relations remained an important focus with our work against rental licensing in Hamilton, the Municipal Land Transfer Tax in Burlington, and advocating for housing affordability throughout the fall municipal election. This year our CEO, members of our Government Relations Committee and I met with several MPs in Ottawa to advocate for increasing the First-Time Home Buyers’ Tax Credit, as well as urge elected officials to take regional considerations into account when implementing federal regulations – such as the stress test. When meeting with many of the provincial representatives for our market area we advocated for changes to REBBA 2002 and encouraged tax fairness for real estate professionals. I look forward to seeing this continued advocacy in 2019.

A focus as RAHB President for 2018 was Professionalism. When meeting with elected officials I stressed the need for updated regulations for REALTORS® to further our profession, for ourselves and for your clients. Your Board of Directors and I also worked to establish the Professionalism Task Force to examine and make changes for many issues facing our industry. I will continue this work with the RAHB Directors and staff as your Immediate Past-President in 2019.

Another major focus for me in 2018 was communication. I strived to reach out to RAHB members at our many events, by participate in update videos and meeting with Brokers/Managers. I also had the privilege of enjoying over 20 lunches with members, one-on-one in restaurants across our communities. Outside of RAHB I met with presidents and CEOS of other associations to share resources and foster data sharing.

As I met with REALTORS® and associations from across Canada in my role as President, and shared our accomplishments, I was overwhelmed with pride for our association and members. It has been my honour to serve as your 2018 President and I thank you for enabling me to do so.

Jack Loft2018 President

President’s Report

2 | R A H B 2 0 1 8 A N N U A L R E P O R T

CEO’s ReportExcellence is what RAHB staff strive to achieve each and every day when serving you, our members. We know your livelihoods depend a large part on the services we provide. Facilitating a fair and efficient real estate marketplace with our MLS® System, providing professional development opportunities for each and every member, and working with local, provincial and national governments to promote property ownership and the interests of REALTOR® members are the three areas

we align our staff and resources to serve you.

That focus is paying off for you. For example, this year saw the greatest number of RAHB members on record - 3,167 - clearly indicating REALTORS® value what we offer.

RAHB members conducted 11,584 transactions during the year with a dollar volume of $6.5 billion.

Throughout 2018, RAHB members continued to enjoy increased access to listing data as a result of the data share agreement signed with all the regional boards around us in August 2017. RAHB is committed to seeking sharing agreements with all Ontario real estate boards and associations on an equitable and reciprocal basis, because we know that will help you conduct more business.

Your Board of Directors and RAHB staff worked to improve services for you in 2018, which will allow you to better serve your clients and customers: Monthly statistics packages have been upgraded and expanded to include more – and more comprehensive – regional information, as well as CREA’s Home Price Index (HPI). OpenHouses.ca now includes all local RAHB member listings – not just open houses. Our member value package, RAHB Advantage, was developed to provide you, and in some cases your clients, with discounts not available to the general public. RAHB acted quickly to put in place Virtual Office Website (VOW) rules and regulations to enable our members to comply with the Supreme Court of Canada decision and the Competition Bureau’s view that the ruling against TREB applies to all boards/associations. We continued to improve and expand on how we connect with members: Lunch with the President, video updates for members immediately following each Board of Directors meeting, several Broker of Record/Manager meeting updates, weekly NewsReal newsletter, weekly statistics reports, social media campaigns and even more videos.

Thanks to prudent fiscal management throughout 2018 your monthly service fees in 2019 were reduced from $39 per month to $38. This is the second year in a row we have reduced your fees while expanding services to you. We continually strive to do more for you, for lower fees when possible, and are delivering on that goal. RAHB offered various networking and professional development options through member meetings, spring and fall Open Forums, ProDev+, and Real Estate Outlook 2019. I encourage participation by all members in these informative and enjoyable events.


MembershipRAHB’s membership continued to grow through 2018.

Members are engaged with RAHB and with each other:

1,303 vs 1,145RAHB Facebook Group Members(December 2018 vs 2017)

E-mails to Members

272

Videos Specifically for RAHB members41 59

TotalVideos

3500

3000

2500

2000

1500

1000

500

0

2,525 2,567 2,657 2,750 2,894 3,031 3,074

20112012

20132014

20152016

2017

as of December 312018

3,164

I invite you to read more about what transpired in 2018 in the pages that follow, including the fantastic support our members provide to local charities, and the political advocacy work to benefit you and to encourage more, and affordable, property ownership.

Thank you to the RAHB Board of Directors who dedicate their time and knowledge for you. Thanks to our staff, who always step-up to serve and to seek excellence in everything they do. And thank you, for being a RAHB member.

George O’NeillRAHB CEO


MLS® ServicesIn March of 2018, ShowingTime went live in RAHB Matrix. ShowingTime is an industry-leading showing request system that allows REALTORS® to directly schedule a property showing when they are logged in to the RAHB Matrix system. ShowingTime simplifies the showing request and confirmation process, so both listing and co-operating REALTORS® can work more efficiently.

Throughout 2018, members continued to access all local and regional MLS® listing data on RAHB’s Matrix system as a result of the RAHB-ORTIS data sharing agreement that took effect in October of 2017.

RAHB members now have access to listings from the nine real estate boards/ associations in the regional group, as well as the RAHB market area.

In 2018, MLS® Rules and Regulations and Policies were updated to reflect current market conditions:

New Virtual Office Website (VOW) policies added to RAHB’s Rules and Regulations Updates to RAHB’s photo policies New functionality/ features added openhouses.ca including all active listings

MLS® Fines Assessed

Deleted ListingsDiscipline Hearing FineDiscipline Hearing FullDuplicate ListingsLate Resignation Fine Member Suspension FeeMember Termination PenaltyNon-cancellation of Open HouseNon-compliance with MLS® Policy Non-reporting of SaleNo PhotoPersonal info RemarksUnauthorized Photo UseMultiple ContractsTaxes Current Year

20165------------2----23801----

2017 511--115------23325----

20181------------------7

52--62

* Fines are assessed against RAHB members only; there is currently no provincial process in place for fining non-members.

53 Matrix “Hands-on” training sessions10 Matrix Broker Load courses8 Directly delivered Matrix training – Lecture format1 Matrix Q&A – classroom2 Matrix webinars

74Matrix

Calls from members to the MLS® Department from January 31 – December 31, 2018.

22,177

Matrix training sessions


Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

units sold 2017 775 1,121 1,552 1,489 1,554 1,258 989 930 836 1,099 992 688

units sold 2018 615 762 1,043 1,152 1,217 1,165 1,039 1,048 956 1,043 875 541

units listed 2017 921 1,236 1,787 1,990 2,684 2,265 1,654 1,413 1,876 1,700 1,412 544

units listed 2018 1,060 1,147 1,702 1,930 2,318 1,943 1,619 1,478 1,823 1,680 1,171 452

average price 2017 $506,263 $547,876 $596,965 $602,883 $617,426 $551,502 $528,018 $543,649 $545,028 $523,378 $535,839 $531,729

average price 2018 $525,191 $546,293 $547,779 $567,298 $589,109 $562,962 $565,831 $558,876 $560,011 $557,302 $551,675 $542,054

0

500

1,000

1,500

2,000

2,500

3,000

$0

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

Units

Aver

age

Pric

e

Market StatisticsThe real estate market continued on its balanced pathway throughout 2018, changing from the sustained strong seller’s market experienced in 2016 and 2017. The total volume bought within the RAHB market area fell from 2017 to $6.524 billion, the number of sales fell to 11,584 and the number of new listings fell to 18,937. In 2018, buyers had more time to view properties of their choice as sales activity slowed. Although the market balanced out, residential sellers still benefitted from increased home values, which reached upwards of 100 per cent over the past decade.

In the fall of 2018, RAHB improved the monthly market reports by incorporating Canadian Real Estate Association and Home Price Index data. This allowed RAHB to report both member and non-member data, providing a more comprehensive and accurate report for the geographic boundaries of the RAHB market area. The packages were also more representative of the entire RAHB market area, adding specific packages for Haldimand and Niagara North.

Residential Market Comparison (2017 – 2018)


Professional DevelopmentThroughout 2018, RAHB offered 120 professional development opportunities to help members stay current with new trends and expand their business and personal skills. Courses included designation courses, free lecture sessions, computer training and others.

In 2018 RAHB’s focus was professionalism, and RAHB strived to provide essential de-signation courses to reflect and achieve this. Last year we offered the following four designation courses, of which one was new:

ABR® – Accredited Buyer’s Representative® SRS – Seller Representative Specialist SRES® – Seniors Real Estate Specialist® RENE – Real Estate Negotiation Expert (New)

Other timely topics to enhance professionalism included:

Legal Concerns for Residential Rental Properties Cannabis Act – What Every Real Estate Professional Should Know HPI – What It Is, How To Use It, and How It Can Benefit Your Clients and Business Best Practices for Compliance

ProDev+ (Thursday, September 25, Holiday Inn Burlington) was held for a second year in a row and drew 235 RAHB members and non-RAHB REALTORS® for a day of professional development opportunities, a boutique trade show and an afternoon networking reception.

Real Estate Outlook (Wednesday, November 8, Liuna Station) was a joint presentation by RAHB and the Canada Mortgage and Housing Corporation (CMHC). It featured CMHC’s newly-released outlook for the Hamilton-Burlington real estate market in 2019, plus presentations from Metrolinx and the City of Hamilton on projects that could affect the RAHB market.

Professional development opportunities were offered to RAHB members.

120


Government RelationsRAHB is active in the local political scene in areas that affect members and home ownership. By building relationships with local decision-makers, RAHB is an active community partner and valuable resource for elected officials and other community leaders who want to under-stand the local real estate market.

With a focus on local municipal issues, RAHB actively participated on the City of Hamilton Rental Housing, Development Charges Stakeholder and Open for Business subcommittees; the Hamilton Housing and Homelessness Action Plan group; Halton Housing Alliance and Hamilton Housing and Homelessness Advisory Committee.

RAHB also participates in provincial and federal political action activities through theCanadian Real Estate Association and the Ontario Real Estate Association’s political action conferences. In October 2018, RAHB representatives met with federal MPs on Parliament Hill to advocate for increasing the First Time Home Buyers’ Tax Credit and to ensure that policies affecting home ownership take into account regional perspectives. In November 2018, RAHB representatives met with provincial MPPs at Queen’s Park to advocate for updates to the Real Estate and Business Brokers Act, 2002, and encourage tax fairness for real estate professionals.

RAHB was proud to sponsor local events: National Housing Day (City of Hamilton) National Housing Day Halton Burlington MPP Candidate Panel Event Burlington Mayoral Candidate Panel Event Hamilton Chamber of Commerce municipal advocacy efforts focusing on LRT and housing affordability


Meetings & Networking EventsMember meetings and events are important vehicles for members to learn more about RAHB and our services, meet with fellow members, and meet with the RAHB leadership.

JANUARYAnnual Awards and Appreciation Gala

Realty Shoppe Member Appreciation Day

MARCHAnnual General Meeting

Broker of Record/Manager Meeting

JUNEAnnual Charity Golf Tournament

Community Open Forum – CaledoniaCommunity Open Forum – Grimsby

Community Open Forum – DunnvilleBroker of Record/Manager Meeting

SEPTEMBER ProDev+ (Professional Development Plus)

Broker of Record/Manager Meeting

OCTOBERCommunity Open Forum – Hamilton

Community Open Forum – Burlington

NOVEMBERRAHB/CMHC Real Estate Outlook

REALTORS®4Kids Annual Charity AuctionMeet the Candidates Chili Cook-offBroker of Record/Manager Meeting

DECEMBERAnnual Election Meeting

Organized opportunities were offered by RAHB for members to meet and network.

18


1 0 | R A H B 2 0 1 8 A N N U A L R E P O R T

2016

196

2017

113

Professional Standards and ArbitrationHigh ethical standards are the hallmark of a REALTOR®. Members must adhere to not only REBBA 2002 and its Code of Ethics, but also to the CREA REALTOR® Code, RAHB’s MLS® Rules and Regulations, and MLS® Policies.

RAHB always encourages members to act professionally.

Considered to be in RECO’s jurisdiction4 Considered to be in

RAHB’s jurisdiction9 Were closed due to no valid claim3

0The Arbitration Committee received 0 claims in 2018:

RAHB received 16 new complaints about members in 2018:

Number of complaints 2013 – 2018:

Complaints received:

Investigated by RAHB:

2014

142

2013

103

2015

187

RAHB staff contacted members with a courtesy phone call to advise them to remove the signs not in compliance with municipal sign bylaws.

60+Most common informal complaints in 2018:

Mis-use of directional signs

2018

169

135 Reported in 2017vs

R A H B 2 0 1 8 A N N U A L R E P O R T | 1 1

Regional Commercial NetworkRAHB’s Regional Commercial Network (RCN) focuses on issues of particular interest to commercial practitioners and other RAHB members interested in the field.

Membership – In 2018, a recruiting campaign to attract new RCN members was very successful, with nine RAHB members being accepted into the RCN (seven full memberships and two candidate memberships), bringing the 2018 total to 111 RCN members.

Consultations – The RCN provided input regarding field updates to the RAHB Matrix Commercial Data Input form, and provided input to the Government Relations Committee in regard to the proposed rental licensing issue.

Education – Commercial education was a focus for the 2018 RCN, with four commercial education courses and local updates offered. Additionally, the RCN welcomed OREA’s invitation to support a provincial Commercial Emerge day in Burlington. The RCN was instrumental in providing input regarding the sessions offered, which explored topical issues for the commercial practitioner through eight presentations.

Total RCN members

111Commercial education and networking events

5

MISSION

EmpoweringREALTORS® to Succeed

VISION

Be the Ultimate

Choice for REALTORS®

Private Property

Ownership

Professionalism

Collaboration

Fair and Efficient Real Estate Marketplace

Economically Vibrant

Communities

Quality of

Life

AccountableGovernance

VALUES

~ Since 1921 ~

Increase Member

Professionalism

Provide Comprehensive

Local MLS® Related Real Estate Market Data

Leverage Relevant Evolving Trends

Be Recognized

as Local Real Estate Market

Leader

Provide Enhanced Member

Value

GOALS

STRATEGIC PLAN SUMMARY | 2018 – 2020

CORECOMPETENCIES

LEAD Local

Advocacy

PROVIDE ProfessionalDevelopment

FACILITATE Fair and Efficient

Real Estate Marketplace

~ Since 1921 ~


Karan Barker ScholarshipRAHB honours the memory of former CEO Karan Barker through the scholarship that bears her name. Each year, qualifying students who are children or grand-children of RAHB members or RAHB staff receive scholarships to pursue their education in university or college.

In 2018, five deserving students each received $2,000 scholarships:

Dmitri Ciraco (son of Connie Kowalski of Heritage Realty)

Moses Cook (son of Lana and Ken Cook of Royal LePage Marco Realty)

Lauryn Harrison (daughter of Richard Harrison of Royal LePage Burloak Real Estate Services)

Kaitlin Johnny (daughter of Leanne Johnny of RE/MAX Escarpment Realty)

Gina Montani (daughter of Gino Montani of Royal LePage State Realty)

Students have received $106,500 in scholarships since the inception of the scholarship fund in 2001.

75


Realty ShoppeRAHB’s Realty Shoppe provides exclusive real estate products for the REALTOR®’s day-to-day business.

RAHB members enjoyed a number of celebration days including Member Appreciation Day, the Realty Shoppe booth at ProDev+, and a flash sale on Black Friday. All of these specialevents featured discounts, specials, give-aways and prizes.

New and most popular items in the Shoppe: • Lockboxes • Marketing items • Welcome and feature sheet stands • Signage, including stickers, clips and riders

In 2018, due to demand, The Shoppe expanded its selection of frames to include wire stake signs and larger colonial frames.

ALL THINGS REALTOR®

SINCE 1992

REALTY SHOPPEREALTORS® Association of Hamilton-Burlington


Grants from Ontario REALTORS Care® FoundationRAHB was honoured to present REALTORS Care® Foundation grant cheques to 10 shelter-related organizations in our community.

In 2018, $31,000 in Foundation grant money was given to:

Carpenter Hospice Halton Food for Thought March of Dimes Canada Mark Preece Family House Neighbour to Neighbour Centre The Bridge (Hamilton) The King’s Way Outreach Centre The Salvation Army Hamilton Wesley Urban Ministries YWCA Hamilton


REALTORS Care® Foundation REALTORS® Ride – $500 To multiple recipients through the REALTORS Care® Foundation – $31,000 BC Floods Appeal, via The Canadian Red Cross – $500 New Brunswick Floods Appeal, via The Canadian Red Cross – $500 Habitat for Humanity Hamilton – $1,000

RAHB in the CommunityRAHB and our members are all about community. Through charitable events and donations, RAHB supports community endeavours and organizations, which benefits recipients and their work, as well as highlights REALTOR® involvement in the community.

REALTORS®4Kids Annual Charity AuctionRAHB’s 2018 charity auction raised $76,525 for the CHML/Y108/Fresh Radio 95.3 Children’s Fund. The event was held November 15 and drew over 300 members, sponsors and supporters for an evening of fun and fundraising. To date, the auction has raised $1,164,918 for the Children’s Fund.

Annual Charity Golf TournamentThe annual Charity Golf Tournament was held on June 8 at Copetown Wood Golf Club. The event raised $6,729.92 to benefit Good Shepherd.

Mohawk College ScholarshipsRAHB provided two $1,000 Outstanding Student Scholarships for first-year and second-year students with the highest grade point average in the Mohawk College Urban and Regional Planning program.

RAHB Donations to Local CharitiesRAHB provided donations to local shelter-related organizations in need of funding. In 2018, RAHB donated a total of $33,500 to local charities:

Total dollars given back to the community.

$118,754.92$Was received from corporate and event sponsors to help support RAHB programs and events.

$40,800


Member Milestones

50 Year RecipientsSheila MacKenzieDavid MinnickGabriel Riverso

40 Year RecipientsEllen BoyceAnthony CostaAnne DuffTom RendallMorris TurnerJudy Varga Nancy Duce*

2017 Long Service Club Inductees

In 2018, RAHB welcomed 42 members into the Long Service Club:

25 Year RecipientsHelen ArthurChris BaileyLucio BarcaroliLeonardo CascioliMichael CascioliColette CooperCarolyn CornaleEd GilesTanis HallGary HerronAndrea IavaroneElsie JungasRobin Lebel

Jackson LeeMike MalesevicDonna MichalowskiCatherine MoffattGordon NobleLaurie PanchyshynJames ParkerBrian PerchalukLidia PetrunasNancy Picken-RoopBrad RaynerJoseph RosatiStefanie SchoenebergJohn Sebastiano

Victor StanzianiDoug TunisRamzi Twal

Lori VanDintherRobert Widdicombe Dennis WilliamsDrew WoolcottCarolyn Infurnari*

*Staff recipientsPosthumously

One member received a special RAHB Service Award for their contributions to RAHB and their communities.

Award of MeritGary Herron (Coldwell Banker Community Professionals)

RAHB Service Award:


RAHB VolunteersRAHB values the generous contributions of time, knowledge and skills from each of our volunteers. Thanks to all 108 members who volunteered to serve the interests of all members in 2018.

Committees

ArbitrationBonnie Dowling, ChairEdwin AlexanderHank BalfoortMark BoyakMichael DuffyRon HewittIvan LeeWilf Wallace

Audit, Finance & RiskBob Van de Vrande, ChairNikola BucaloKathy Della-NebbiaGary HerronJack LoftDanny Rawson

Laura RodstromGeoffrey Walker

Discipline Don Inglehart, ChairSean CowanMichael DuffyRome MiraldoLes MyersTibor OlahLucille SteeleMark Wasilewski

Governance & BylawJack Loft, ChairNikola BucaloGeorge O’NeillBob Van de Vrande

Government Relations Nicolas von Bredow, ChairMargaret Reid, Vice ChairDonna BacherScott BoumanDeborah ColesTamer FahmiJasmeet KaurSean McCaulStephanie Pinet

Member EngagementLaura Doucette, ChairLauren CatlinJessica CocksAshleigh EardleyDan GiesStephen RapsonLeslie Sardo-ViscugliaMichelle Shivbarran


MLS®Kathy Della-Nebbia, ChairStacey AdamsonLiz KosterRoy La ChappelleJoAnn LandryDave NicholsSusan Pauls-ValerioJustin Price

NominationJack Loft, ChairLisa HamiltonNancie MleczkoStephanie PinetDavid Zalepa

Professional StandardsAnn Forbes Arndt, ChairJeannie CrawfordMichelle De GrootKaren FiliceAmy GallantBonnie McAuleyGino MontaniPeter O’BrienGloria PaytonDeborah RushtonCarlo SilvestriChris SpinaMargaret Wilson

Regional Commercial NetworkJim Duschl, ChairLucie BrusseWalter GalvaoSteven HolmanJohn IannuzziRuth Lewis

Task Forces

AwardsBruce Moran, ChairGail FabianiCoral LafleurDave Nichols

Charity AuctionMark Loeffler, Co-ChairBrian Shaw, Co-ChairKristeena BerubeJackie CorcoranBiliana DibGaby LeveilleVanessa PerryDavid ShawDarlene Wissenz


Charity GolfRobert Schinkel, ChairZac WillmsDavid Zalepa

Karan Barker Memorial ScholarshipJamie Edwards, ChairBryce LeggattJack LoftGeorge O’Neill Bob Schinkel

ProfessionalismDiane Price, Chair Greg de DenusHolly EsteyAngelo FazzariCorinne NezicRoman RadojewskiKen RossiterJulie SergiRichard Weima

StatisticsMaggie AbrilDana BodnariucBrandon BullerTom CieslakSarah FlisNancy ForresterJudy MarsalesAngelika McKeenNancie MleczkoFazl MolanaDave NicholsShawn PatersonFrank SalvatoreKaren Zahoruk

In MemoriamMark Davidson, Royal LePage Burloak Real Estate Services Inc.

Albert Iavarone, Royal LePage State Realty Inc.

Frank Lostracco, RE/MAX Escarpment Realty Inc.

Robert McDowell, Coldwell Banker Community Professionals

Donald A. Rowat, Coldwell Banker-Burnhill Realty Inc.

Diane Stoodley, Diane Stoodley Real Estate


2018 Corporate and Event SponsorsThank you to our corporate and event sponsors who greatly contributed to the success of the REALTORS® Association of Hamilton-Burlington events with generous donations of products, services and financial support.

Hedley & McLachlinGeneral Law Practice

GAIL SYLVESTER

Meet Our Team

Executive OfficeGeorge O’Neill, CEOCarolyn Infurnari, Manager

MLS® Pam Morton, SupervisorAmanda GerritsenTrish HlohinecSherry LloydEric Meek

Corporate Services Kim Sanders, ManagerKarin Condello Camryn HolmesAngela McArthur

Member ServicesNancy Duce, ManagerMaggie InglisWanda KivellKathy RubioSheila Sferrazza

TechnologyJason Hersey, ManagerKelvin ChenJustin HayesRosanne Horansky

Communications & External RelationsWendy Stewart, ManagerLauren O’Grady

APPROACHABLERAHB will

deliver a positive service experience

with courtesy and respect

RESPONSIVERAHB will be the resource for the

information a member requires and will

deliver this information in a prompt manner

SAFETYRAHB will ensure

that safety is a priority to all members and staff,

including data security and confidentiality, as well as

environmental and personal protectionACCURATE

RAHB is knowledgeable, and will be a clear and accurate communicator

of its information

EASERAHB will ensure

a seamless, smooth experience

QUALITY SERVICE

STANDARDS

~ Since 1921 ~

Be the ultimate choice for REALTORS®

505 York BoulevardHamilton, OntarioCANADA, L8R 3K4

[email protected]~ Since 1921 ~

https://www.facebook.com/RAHBNews

https://www.instagram.com/rahbnews/

https://twitter.com/RAHBNews

https://www.youtube.com/c/RahbCa

https://www.linkedin.com/company/realtors-association-of-hamilton-burlington

2018 - RAHB

Documents

Transcript of 2018 - RAHB