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X-WR-CALDESC:Your online events calendar
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BEGIN:VTIMEZONE
TZID:America/Chicago
TZUNTIL:20271107T070000Z
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DTSTART:20251102T020000
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RDATE:20261101T020000
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DTSTART:20260308T020000
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BEGIN:VEVENT
UID:20241210T090000UTC-3407R5GEgv@https://fourriversrealtors.com/
DTSTAMP:20260417T140043Z
CATEGORIES:Property Tours and Caravans
DESCRIPTION:<p><span style='font-size: 18pt\;'>The San Marcos Property tour
 s on the 2nd Tuesday of the month. Please add your listings to Matrix. Ins
 tructions are below. </span></p>\n<p><span style='font-size: 18pt\;'>If yo
 u have any questions\, please feel free to call&nbsp\;the tour coordinate:
  Jeanene Weidman at (970)903-8601. Looking forward to having a great year 
 full of great tours!<strong>&nbsp\;</strong></span></p>\n<p><span style='f
 ont-size: 18pt\;'></span></p>\n<p><span style='font-size: 18pt\;'><strong>
 Caravan Home Tour Instructions</strong></span></p>\n<p><span style='font-s
 ize: 18pt\;'></span></p>\n<p><span style='font-size: 18pt\;'>Go to Matrix.
 ctxmls.com</span></p>\n<p><span style='font-size: 18pt\;'>Enter your User 
 ID and Password</span></p>\n<p><span style='font-size: 18pt\;'>From Home p
 age\, go to the Input tab and click on Input</span></p>\n<p><span style='f
 ont-size: 18pt\;'>Under Listings\, go to the “Quick Modify” section and en
 ter your MLS # and edit</span></p>\n<p><span style='font-size: 18pt\;'>In 
 Select Form you will go to Open Houses</span></p>\n<p><span style='font-si
 ze: 18pt\;'>You will enter the date of the tour you want your home on.</sp
 an></p>\n<p><span style='font-size: 18pt\;'>Time will be from 9:00 to 11:0
 0 am.</span></p>\n<p><span style='font-size: 18pt\;'>Active status is “yes
 ”</span></p>\n<p><span style='font-size: 18pt\;'>Under Open House Type\, i
 t is very&nbsp\;<strong>IMPORTANT</strong>&nbsp\;to make sure you pick “CA
 RAVAN”&nbsp\;(This is the only way we can find it to enter your property o
 n the tour).</span></p>\n<p><span style='font-size: 18pt\;'>Under Comments
 \, please put which tour (New Braunfels\, San Marcos or Seguin) you want i
 t on and any other additional comments you’d like.</span></p>
DTSTART;TZID=America/Chicago:20250114T090000
DTEND;TZID=America/Chicago:20250114T110000
RRULE:FREQ=MONTHLY;UNTIL=20251209T060000Z;INTERVAL=1;BYDAY=TU;BYSETPOS=2
SUMMARY:San Marcos Property Tour
URL:https://www.fourriversrealtors.com/hidden-calendar-dashboard/41-propert
 y-tours-and-caravans/9976-san-marcos-property-tour-2
X-ALT-DESC;FMTTYPE=TEXT/HTML:<p><span style='font-size: 18pt\;'>The San Mar
 cos Property tours on the 2nd Tuesday of the month. Please add your listin
 gs to Matrix. Instructions are below. </span></p>\n<p><span style='font-si
 ze: 18pt\;'>If you have any questions\, please feel free to call&nbsp\;the
  tour coordinate: Jeanene Weidman at (970)903-8601. Looking forward to hav
 ing a great year full of great tours!<strong>&nbsp\;</strong></span></p>\n
 <p><span style='font-size: 18pt\;'></span></p>\n<p><span style='font-size:
  18pt\;'><strong>Caravan Home Tour Instructions</strong></span></p>\n<p><s
 pan style='font-size: 18pt\;'></span></p>\n<p><span style='font-size: 18pt
 \;'>Go to Matrix.ctxmls.com</span></p>\n<p><span style='font-size: 18pt\;'
 >Enter your User ID and Password</span></p>\n<p><span style='font-size: 18
 pt\;'>From Home page\, go to the Input tab and click on Input</span></p>\n
 <p><span style='font-size: 18pt\;'>Under Listings\, go to the “Quick Modif
 y” section and enter your MLS # and edit</span></p>\n<p><span style='font-
 size: 18pt\;'>In Select Form you will go to Open Houses</span></p>\n<p><sp
 an style='font-size: 18pt\;'>You will enter the date of the tour you want 
 your home on.</span></p>\n<p><span style='font-size: 18pt\;'>Time will be 
 from 9:00 to 11:00 am.</span></p>\n<p><span style='font-size: 18pt\;'>Acti
 ve status is “yes”</span></p>\n<p><span style='font-size: 18pt\;'>Under Op
 en House Type\, it is very&nbsp\;<strong>IMPORTANT</strong>&nbsp\;to make 
 sure you pick “CARAVAN”&nbsp\;(This is the only way we can find it to ente
 r your property on the tour).</span></p>\n<p><span style='font-size: 18pt\
 ;'>Under Comments\, please put which tour (New Braunfels\, San Marcos or S
 eguin) you want it on and any other additional comments you’d like.</span>
 </p>
END:VEVENT
BEGIN:VEVENT
UID:20251209T090000UTC-6568VK8fuz@https://fourriversrealtors.com/
DTSTAMP:20260417T140043Z
CATEGORIES:Association Education Classes
DESCRIPTION:<ul>\n<li><span style='font-size: 18pt\;'>3 CE HR</span></li>\n
 <li><span style='font-size: 18pt\;'>9:00 am - 12:00 pm&nbsp\;</span></li>
 \n<li><span style='font-size: 18pt\;'>Cost $30 for Members/$35 Non-Members
 &nbsp\;</span></li>\n<li><span style='font-size: 18pt\;'>Course No. 44002<
 /span></li>\n<li><span style='font-size: 18pt\;'>Provider-Texas REALTORS® 
 #1</span></li>\n<li><span style='font-size: 18pt\;'>Zoom Class (off site i
 nstructor via Zoom)&nbsp\;</span></li>\n<li><span style='font-size: 18pt\;
 '>Instructor-Tracey Shores</span></li>\n<li class='x_MsoNormal'><span styl
 e='font-size: 18pt\;'>Last Day for discount is Dec 2\, 2025. After Dec 2\,
  2025 add $15 to registration fee</span></li>\n<li><span style='font-size:
  18pt\;'>If you need to cancel your class registration please email me bef
 ore Dec 5\, 2025</span></li>\n<li class='x_MsoNormal'><span style='font-si
 ze: 18pt\;'>No refund or Transfers on or after Dec 5\, 2025</span></li>\n<
 li><span style='font-size: 18pt\;'>Zoom link for the class will be emailed
  to you 2 business days before the class</span></li>\n<li class='x_MsoNorm
 al'><span style='font-size: 18pt\;'>To assure you receive class informatio
 n\, registration ends Dec 8\, 2025 at 5:00 pm</span></li>\n<li><span style
 ='font-size: 18pt\;'>If you have questions with registration email&nbsp\;<
 span id='cloak594658bc6d0b077ff4453e680097eeee'><span id='cloak5542485b9f6
 eeb595e9dd6065a7c9639'><span id='cloakd54d154ae5daca27644034df1114c021'><s
 pan id='cloak2e87ecc640874b91e04b4514125d6711'><span id='cloakb503726138f4
 5afa674ffc57ed08bfab'><span id='cloak30ac67c156aed0361378e1e8802db421'><sp
 an id='cloak0a8101e9d05387da2cb3b9481ef5ba2a'><span id='cloakd5695a49d9cba
 5f1cdc2e4aeba7a3db6'><span id='cloak3b4c054ae2bffdd74e44b851edf7e5d7'><spa
 n id='cloak22c0e9ee24430e53f87ef6414f8b769b'><span id='cloak06ee34172d705f
 9165aea62b7e7cac19'><span id='cloak81e262a0e679789ee92aa5daa3fe1853'><span
  id='cloakeb7706e1fa0891080464b971726205b2'><span id='cloak620271b9dee65a3
 16af7edd42fc5cb7f'><span id='cloak4bef1cd7dc6095c8946a5aa0fbf896d9'><span 
 id='cloak185d5f0a8edaf9f5234f7d2e8f0b2914'><span id='cloak16602d26dfc86d52
 cef6ee8d53bf9ac5'><span id='cloake959846784b5fcbf53b31c4c51a8d774'><span i
 d='cloakb302dcbe0c19bf9415d92290b06591d1'><span id='cloake7d419401b99bf79a
 0e58171b33ffbc8'><span id='cloak3537b1417743c83eff393bdacdcad6bf'><span id
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 3d962e4c58508f'><span id='cloaka92300c0b3a8c75d8e71460d4b4ec1ac'><span id=
 'cloak8b577cdbe34b0adf7461b2612e583f60'><span id='cloak69bda33713cbff8c8d7
 f061b5c6d5aa1'><span id='cloaked6ae347c313bee10c319b3d11535a4c'><span id='
 cloake86121eb05fced39a3e1f2c0d09d23f0'><span id='cloak4c79ee5dbc71b29a9c21
 07c4a72d0af6'><span id='cloak4a71ae2bb4ce0f6bd35e8715a58e815f'><span id='c
 loak79d050f31d48c9a5ebbfb2a73c593db7'><joomla-hidden-mail is-link='1' is-e
 mail='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmNvbQ==' text='bG
 FkYXduQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base=''><a href='mailto:ladawn@fou
 rriversrealtors.com' base=''></a><joomla-hidden-mail  is-link='1' is-email
 ='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmNvbQ==' text='bGFkYX
 duQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base='' >This email address is being p
 rotected from spambots. You need JavaScript enabled to view it.</joomla-hi
 dden-mail></joomla-hidden-mail></span></span></span></span></span></span><
 /span></span></span></span></span></span></span></span></span></span></spa
 n></span></span></span></span></span></span></span></span></span></span></
 span></span></span></span>&nbsp\;</span></li>\n</ul>\n<table>\n<tbody>\n<t
 r>\n<td>\n<p><span style='font-size: 18pt\;'>Course description</span></p>
 \n</td>\n</tr>\n</tbody>\n</table>\n<p><span style='font-size: 18pt\;'>Und
 er all is the land.. So starts the NAR Code of Ethics. It continues: Realt
 ors®\, therefore\, are zealous to maintain and improve the standards of th
 eir calling and share with their fellow Realtors® a common responsibility 
 for its integrity and honor. In recognition and appreciation of their obli
 gations to clients\, customers\, the public\, and each other\, Realtors® c
 ontinuously strive to become and remain informed on issues affecting real 
 estate and\, as knowledgeable professionals\, they willingly share the fru
 it of their experience and study with others. They identify and take steps
 \, through enforcement of this Code of Ethics and by assisting appropriate
  regulatory bodies\, to eliminate practices which may damage the public or
  which might discredit or bring dishonor to the real estate profession. Re
 altors® having direct personal knowledge of conduct that may violate the C
 ode of Ethics involving misappropriation of client or customer funds or pr
 operty\, willful discrimination\, or fraud resulting in substantial&nbsp\;
 economic harm\, bring such matters to the attention of the appropriate Boa
 rd or Association of Realtors®</span></p>\n<p><a href='https://txml.rapams
 .com/scripts/mgrqispi.dll?APPNAME=IMS&amp\;PRGNAME=IMSEnterReviseMember&am
 p\;ARGUMENTS=-AFRAR\,-N1&amp\;SessionType=N'><img src='images/buttons/non-
 member-registration.png' loading='lazy' width='239' height='69' data-path=
 'local-images:/buttons/non-member-registration.png' /></a></p>
DTSTART;TZID=America/Chicago:20251209T090000
DTEND;TZID=America/Chicago:20251209T120000
SUMMARY:3 CE HR Class: The NAR Code of Ethics (Virtual)
URL:https://www.fourriversrealtors.com/hidden-calendar-dashboard/22-associa
 tion-classes/10425-3-ce-hr-class-the-nar-code-of-ethics-virtual
X-ALT-DESC;FMTTYPE=TEXT/HTML:<ul>\n<li><span style='font-size: 18pt\;'>3 CE
  HR</span></li>\n<li><span style='font-size: 18pt\;'>9:00 am - 12:00 pm&nb
 sp\;</span></li>\n<li><span style='font-size: 18pt\;'>Cost $30 for Members
 /$35 Non-Members&nbsp\;</span></li>\n<li><span style='font-size: 18pt\;'>C
 ourse No. 44002</span></li>\n<li><span style='font-size: 18pt\;'>Provider-
 Texas REALTORS® #1</span></li>\n<li><span style='font-size: 18pt\;'>Zoom C
 lass (off site instructor via Zoom)&nbsp\;</span></li>\n<li><span style='f
 ont-size: 18pt\;'>Instructor-Tracey Shores</span></li>\n<li class='x_MsoNo
 rmal'><span style='font-size: 18pt\;'>Last Day for discount is Dec 2\, 202
 5. After Dec 2\, 2025 add $15 to registration fee</span></li>\n<li><span s
 tyle='font-size: 18pt\;'>If you need to cancel your class registration ple
 ase email me before Dec 5\, 2025</span></li>\n<li class='x_MsoNormal'><spa
 n style='font-size: 18pt\;'>No refund or Transfers on or after Dec 5\, 202
 5</span></li>\n<li><span style='font-size: 18pt\;'>Zoom link for the class
  will be emailed to you 2 business days before the class</span></li>\n<li 
 class='x_MsoNormal'><span style='font-size: 18pt\;'>To assure you receive 
 class information\, registration ends Dec 8\, 2025 at 5:00 pm</span></li>
 \n<li><span style='font-size: 18pt\;'>If you have questions with registrat
 ion email&nbsp\;<span id='cloak594658bc6d0b077ff4453e680097eeee'><span id=
 'cloak5542485b9f6eeb595e9dd6065a7c9639'><span id='cloakd54d154ae5daca27644
 034df1114c021'><span id='cloak2e87ecc640874b91e04b4514125d6711'><span id='
 cloakb503726138f45afa674ffc57ed08bfab'><span id='cloak30ac67c156aed0361378
 e1e8802db421'><span id='cloak0a8101e9d05387da2cb3b9481ef5ba2a'><span id='c
 loakd5695a49d9cba5f1cdc2e4aeba7a3db6'><span id='cloak3b4c054ae2bffdd74e44b
 851edf7e5d7'><span id='cloak22c0e9ee24430e53f87ef6414f8b769b'><span id='cl
 oak06ee34172d705f9165aea62b7e7cac19'><span id='cloak81e262a0e679789ee92aa5
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 ak620271b9dee65a316af7edd42fc5cb7f'><span id='cloak4bef1cd7dc6095c8946a5aa
 0fbf896d9'><span id='cloak185d5f0a8edaf9f5234f7d2e8f0b2914'><span id='cloa
 k16602d26dfc86d52cef6ee8d53bf9ac5'><span id='cloake959846784b5fcbf53b31c4c
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 4ec1ac'><span id='cloak8b577cdbe34b0adf7461b2612e583f60'><span id='cloak69
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 35a4c'><span id='cloake86121eb05fced39a3e1f2c0d09d23f0'><span id='cloak4c7
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 815f'><span id='cloak79d050f31d48c9a5ebbfb2a73c593db7'><joomla-hidden-mail
  is-link='1' is-email='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzL
 mNvbQ==' text='bGFkYXduQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base=''><a href='
 mailto:ladawn@fourriversrealtors.com' base=''></a><joomla-hidden-mail  is-
 link='1' is-email='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmNvb
 Q==' text='bGFkYXduQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base='' >This email a
 ddress is being protected from spambots. You need JavaScript enabled to vi
 ew it.</joomla-hidden-mail></joomla-hidden-mail></span></span></span></spa
 n></span></span></span></span></span></span></span></span></span></span></
 span></span></span></span></span></span></span></span></span></span></span
 ></span></span></span></span></span></span>&nbsp\;</span></li>\n</ul>\n<ta
 ble>\n<tbody>\n<tr>\n<td>\n<p><span style='font-size: 18pt\;'>Course descr
 iption</span></p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><span style='font-
 size: 18pt\;'>Under all is the land.. So starts the NAR Code of Ethics. It
  continues: Realtors®\, therefore\, are zealous to maintain and improve th
 e standards of their calling and share with their fellow Realtors® a commo
 n responsibility for its integrity and honor. In recognition and appreciat
 ion of their obligations to clients\, customers\, the public\, and each ot
 her\, Realtors® continuously strive to become and remain informed on issue
 s affecting real estate and\, as knowledgeable professionals\, they willin
 gly share the fruit of their experience and study with others. They identi
 fy and take steps\, through enforcement of this Code of Ethics and by assi
 sting appropriate regulatory bodies\, to eliminate practices which may dam
 age the public or which might discredit or bring dishonor to the real esta
 te profession. Realtors® having direct personal knowledge of conduct that 
 may violate the Code of Ethics involving misappropriation of client or cus
 tomer funds or property\, willful discrimination\, or fraud resulting in s
 ubstantial&nbsp\;economic harm\, bring such matters to the attention of th
 e appropriate Board or Association of Realtors®</span></p>\n<p><a href='ht
 tps://txml.rapams.com/scripts/mgrqispi.dll?APPNAME=IMS&amp\;PRGNAME=IMSEnt
 erReviseMember&amp\;ARGUMENTS=-AFRAR\,-N1&amp\;SessionType=N'><img src='im
 ages/buttons/non-member-registration.png' loading='lazy' width='239' heigh
 t='69' data-path='local-images:/buttons/non-member-registration.png' /></a
 ></p>
END:VEVENT
BEGIN:VEVENT
UID:20251209T133000UTC-761168r0sC@https://fourriversrealtors.com/
DTSTAMP:20260417T140043Z
CATEGORIES:Association Education Classes
DESCRIPTION:<ul>\n<li><span style='font-size: 18pt\;'>2 CE HR</span></li>\n
 <li><span style='font-size: 18pt\;'>1:30 pm - 3:30 pm&nbsp\;</span></li>\n
 <li><span style='font-size: 18pt\;'>Cost $20 for Members/$25 Non-Members&n
 bsp\;</span></li>\n<li><span style='font-size: 18pt\;'>Course No. 452878</
 span></li>\n<li><span style='font-size: 18pt\;'>Provider-Texas REALTORS® #
 1</span></li>\n<li><span style='font-size: 18pt\;'>Zoom Class (off site in
 structor via Zoom)&nbsp\;</span></li>\n<li><span style='font-size: 18pt\;'
 >Instructor- Candy Cooke</span></li>\n<li class='x_MsoNormal'><span style=
 'font-size: 18pt\;'>Last Day for discount is Dec 2\, 2025. After Dec 2\, 2
 025 add $15 to registration fee</span></li>\n<li><span style='font-size: 1
 8pt\;'>If you need to cancel your class registration please email me befor
 e Dec 5\, 2025</span></li>\n<li class='x_MsoNormal'><span style='font-size
 : 18pt\;'>No refund or Transfers on or after Dec 5\, 2025</span></li>\n<li
 ><span style='font-size: 18pt\;'>Zoom link for the class will be emailed t
 o you 2 business days before the class</span></li>\n<li class='x_MsoNormal
 '><span style='font-size: 18pt\;'>To assure you receive class information\
 , registration ends Dec 8\, 2025 at 5:00 pm</span></li>\n<li><span style='
 font-size: 18pt\;'>If you have questions with registration email&nbsp\;<sp
 an id='cloak594658bc6d0b077ff4453e680097eeee'><span id='cloak5542485b9f6ee
 b595e9dd6065a7c9639'><span id='cloakd54d154ae5daca27644034df1114c021'><spa
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 ak79d050f31d48c9a5ebbfb2a73c593db7'><joomla-hidden-mail is-link='1' is-ema
 il='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmNvbQ==' text='bGFk
 YXduQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base=''><a href='mailto:ladawn@fourr
 iversrealtors.com' base=''></a><joomla-hidden-mail  is-link='1' is-email='
 1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmNvbQ==' text='bGFkYXdu
 QGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base='' >This email address is being pro
 tected from spambots. You need JavaScript enabled to view it.</joomla-hidd
 en-mail></joomla-hidden-mail></span></span></span></span></span></span></s
 pan></span></span></span></span></span></span></span></span></span></span>
 </span></span></span></span></span></span></span></span></span></span></sp
 an></span></span></span>&nbsp\;</span></li>\n</ul>\n<table>\n<tbody>\n<tr>
 \n<td>\n<p><span style='font-size: 18pt\;'>Course description</span></p>\n
 </td>\n</tr>\n</tbody>\n</table>\n<p><span style='font-size: 18pt\;'>Homeo
 wners insurance (HOI) is a form of property insurance that covers losses a
 nd damage to an individuals house\, to assets in the home\, and liability 
 coverage against accidents in the home or on the property. This course wil
 l cover topics related to the Declarations page\, insurance policy definit
 ions\, property covered and not covered under policy\; extension of covera
 ges\, and how claims are handled. The license holder will gain an overview
  of homeowner’s insurance allowing them to help clients understand key ele
 ments of their coverage and how it fits into the transaction. Also\, how h
 omeowner’s insurance differs from private mortgage insurance or home warra
 nty programs.</span></p>\n<p><a href='https://txml.rapams.com/scripts/mgrq
 ispi.dll?APPNAME=IMS&amp\;PRGNAME=IMSEnterReviseMember&amp\;ARGUMENTS=-AFR
 AR\,-N1&amp\;SessionType=N'><img src='images/buttons/non-member-registrati
 on.png' loading='lazy' width='239' height='69' data-path='local-images:/bu
 ttons/non-member-registration.png' /></a></p>
DTSTART;TZID=America/Chicago:20251209T133000
DTEND;TZID=America/Chicago:20251209T153000
SUMMARY:2 CE HR Class: Home Insurance\, What's There to Know (Virtual)
URL:https://www.fourriversrealtors.com/hidden-calendar-dashboard/22-associa
 tion-classes/10427-2-ce-hr-class-home-insurance-whats-there-to-know-virtua
 l
X-ALT-DESC;FMTTYPE=TEXT/HTML:<ul>\n<li><span style='font-size: 18pt\;'>2 CE
  HR</span></li>\n<li><span style='font-size: 18pt\;'>1:30 pm - 3:30 pm&nbs
 p\;</span></li>\n<li><span style='font-size: 18pt\;'>Cost $20 for Members/
 $25 Non-Members&nbsp\;</span></li>\n<li><span style='font-size: 18pt\;'>Co
 urse No. 452878</span></li>\n<li><span style='font-size: 18pt\;'>Provider-
 Texas REALTORS® #1</span></li>\n<li><span style='font-size: 18pt\;'>Zoom C
 lass (off site instructor via Zoom)&nbsp\;</span></li>\n<li><span style='f
 ont-size: 18pt\;'>Instructor- Candy Cooke</span></li>\n<li class='x_MsoNor
 mal'><span style='font-size: 18pt\;'>Last Day for discount is Dec 2\, 2025
 . After Dec 2\, 2025 add $15 to registration fee</span></li>\n<li><span st
 yle='font-size: 18pt\;'>If you need to cancel your class registration plea
 se email me before Dec 5\, 2025</span></li>\n<li class='x_MsoNormal'><span
  style='font-size: 18pt\;'>No refund or Transfers on or after Dec 5\, 2025
 </span></li>\n<li><span style='font-size: 18pt\;'>Zoom link for the class 
 will be emailed to you 2 business days before the class</span></li>\n<li c
 lass='x_MsoNormal'><span style='font-size: 18pt\;'>To assure you receive c
 lass information\, registration ends Dec 8\, 2025 at 5:00 pm</span></li>\n
 <li><span style='font-size: 18pt\;'>If you have questions with registratio
 n email&nbsp\;<span id='cloak594658bc6d0b077ff4453e680097eeee'><span id='c
 loak5542485b9f6eeb595e9dd6065a7c9639'><span id='cloakd54d154ae5daca2764403
 4df1114c021'><span id='cloak2e87ecc640874b91e04b4514125d6711'><span id='cl
 oakb503726138f45afa674ffc57ed08bfab'><span id='cloak30ac67c156aed0361378e1
 e8802db421'><span id='cloak0a8101e9d05387da2cb3b9481ef5ba2a'><span id='clo
 akd5695a49d9cba5f1cdc2e4aeba7a3db6'><span id='cloak3b4c054ae2bffdd74e44b85
 1edf7e5d7'><span id='cloak22c0e9ee24430e53f87ef6414f8b769b'><span id='cloa
 k06ee34172d705f9165aea62b7e7cac19'><span id='cloak81e262a0e679789ee92aa5da
 a3fe1853'><span id='cloakeb7706e1fa0891080464b971726205b2'><span id='cloak
 620271b9dee65a316af7edd42fc5cb7f'><span id='cloak4bef1cd7dc6095c8946a5aa0f
 bf896d9'><span id='cloak185d5f0a8edaf9f5234f7d2e8f0b2914'><span id='cloak1
 6602d26dfc86d52cef6ee8d53bf9ac5'><span id='cloake959846784b5fcbf53b31c4c51
 a8d774'><span id='cloakb302dcbe0c19bf9415d92290b06591d1'><span id='cloake7
 d419401b99bf79a0e58171b33ffbc8'><span id='cloak3537b1417743c83eff393bdacdc
 ad6bf'><span id='cloak4eaa2758fa80ca9c8453a21ac863f1b5'><span id='cloak028
 7bf55766f7ae7833d962e4c58508f'><span id='cloaka92300c0b3a8c75d8e71460d4b4e
 c1ac'><span id='cloak8b577cdbe34b0adf7461b2612e583f60'><span id='cloak69bd
 a33713cbff8c8d7f061b5c6d5aa1'><span id='cloaked6ae347c313bee10c319b3d11535
 a4c'><span id='cloake86121eb05fced39a3e1f2c0d09d23f0'><span id='cloak4c79e
 e5dbc71b29a9c2107c4a72d0af6'><span id='cloak4a71ae2bb4ce0f6bd35e8715a58e81
 5f'><span id='cloak79d050f31d48c9a5ebbfb2a73c593db7'><joomla-hidden-mail i
 s-link='1' is-email='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmN
 vbQ==' text='bGFkYXduQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base=''><a href='ma
 ilto:ladawn@fourriversrealtors.com' base=''></a><joomla-hidden-mail  is-li
 nk='1' is-email='1' first='bGFkYXdu' last='Zm91cnJpdmVyc3JlYWx0b3JzLmNvbQ=
 =' text='bGFkYXduQGZvdXJyaXZlcnNyZWFsdG9ycy5jb20=' base='' >This email add
 ress is being protected from spambots. You need JavaScript enabled to view
  it.</joomla-hidden-mail></joomla-hidden-mail></span></span></span></span>
 </span></span></span></span></span></span></span></span></span></span></sp
 an></span></span></span></span></span></span></span></span></span></span><
 /span></span></span></span></span></span>&nbsp\;</span></li>\n</ul>\n<tabl
 e>\n<tbody>\n<tr>\n<td>\n<p><span style='font-size: 18pt\;'>Course descrip
 tion</span></p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><span style='font-si
 ze: 18pt\;'>Homeowners insurance (HOI) is a form of property insurance tha
 t covers losses and damage to an individuals house\, to assets in the home
 \, and liability coverage against accidents in the home or on the property
 . This course will cover topics related to the Declarations page\, insuran
 ce policy definitions\, property covered and not covered under policy\; ex
 tension of coverages\, and how claims are handled. The license holder will
  gain an overview of homeowner’s insurance allowing them to help clients u
 nderstand key elements of their coverage and how it fits into the transact
 ion. Also\, how homeowner’s insurance differs from private mortgage insura
 nce or home warranty programs.</span></p>\n<p><a href='https://txml.rapams
 .com/scripts/mgrqispi.dll?APPNAME=IMS&amp\;PRGNAME=IMSEnterReviseMember&am
 p\;ARGUMENTS=-AFRAR\,-N1&amp\;SessionType=N'><img src='images/buttons/non-
 member-registration.png' loading='lazy' width='239' height='69' data-path=
 'local-images:/buttons/non-member-registration.png' /></a></p>
END:VEVENT
END:VCALENDAR
