Nice to Meet You – What Was Your Name Again?

Nice To Meet You – What Was Your Name Again? How frustrating is it, when you greet someone by name on a regular basis and they only say “Hello” back? Or vice versa? You cannot remember their name, so you just say “Hello, how are you?” It feels like something is missing.

Calling someone by name usually brightens their day.   Some people don’t find names important (they should!) or they are just not good at name memorization (they often tell me!) Well, you can learn how to memorize names.

I’ve developed a few tricks over the years at remembering names. My need for frequent name memorization stems from a peripheral social circle where I might meet someone and not see them again for a couple of weeks. The contact is brief.

Maybe you have the same type of situation at an infrequent business mixer, with some neighbors you rarely see, or at the gym? After running into someone a few times, there could be a casual interaction, then a more formal “I’m Suzie”, which opens up the “I’m Jack” introduction and a handshake. Then you may not see this person again for quite a while. That makes it harder to remember their name. Or so it seems.

So, how can you memorize names? There are three key methods that you can implement to improve your name recall.

Visual – Use a physical attribute to connect with the name.
Auditory – Make a play on words, use song or rhyme, or another relational tie to the name.
Kinesthetic – Write it down. I make a note with the name on my phone (not in front of them!)

All these aspects of memorization help reinforce the names in my brain. The more imaginitive your association, the better!

Here are some examples:

Abbie – I think “Abbey Road!” (the Beatles). She has red hair, so I have an Irish-English thing in my head.
Sean – Sean works with Abbie, so I connect them as “Irish” – two Irish namesSean and Abbie! I even repeat it in my mind with an Irish twang.
Dave – Dave is big and tall. “David and Goliath” was my initial trick.
Kenny – my brother’s name is Ken. I mentioned this to Kenny when I first learned his name, and he then told me his niece’s name is Wendy.  So that connection embedded pretty fast.
Beth – Beth the beautiful.  Enough said.
Sandy – Her daughter, whom I already knew, is “Mandy”!  The rhyme sticks (“Mandy – Sandy”)
Kim – looks like Kim Novak, the actress.
Anne – tall with broad shoulders, so Anne – Amazon!

A Couple? – I may use a stronger mental play for one of the names, but then I always say them together in my mind  “Sylvia (pictured with her hair over one eye) and Byron”. (Plus the “y” in both names)

Tougher names?  I have a new acquaintance named “Avonis”. I had to ask for his name multiple times to hear it right. It rhymes with “Upon Us”. That’s a musical connection.

Writing down the names is important, so you can review them if necessary. That ties in another visual piece to a kinesthetic element.

Finally, I repeat the name in my mind the evening after the meeting, along with whatever mental trick I originally devised.  If there were several names, I repeat them all. Doing this, I actually remember people’s names from years ago, people I don’t see any more.

So, the next time someone says “Hello” to you, give them a smile by calling them by name!

 

 

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Parlo italiano.

“You’ve Been Cancelled!” The Dreaded Florida Homeowners Insurance Letter

I recently wrote about our homeowners insurance doubling on one of our Destin Florida area houses. When I opened my mail the other day, I got another insurance cancellation notice! I said “Oh no, this cannot be happening again!” The insurance company for our primary residence, Gulfstream Property & Casualty Insurance, just went out of business, with $35 million in underwriting losses it could not sustain. That left us and 33,000 other Floridians scrambling to get new insurance, right before the start of hurricane season (as I sit here now awaiting a Tropical Storm!)

After I got the cancellation notice, I contacted my Florida homeowners insurance agent to find another policy. He got quotes from eight companies, and the most reasonable was 71% higher than our previous coverage!  That’s from $2460 per year to $3460 per year. Other policies were as much as $7500, or more than triple. We had no choice but to accept the new policy.

“What the heck is going on with Florida homeowners insurance prices?” I asked my agent. “It’s scammers!”, he told me. How do these insurance scams work?

Basically, “runners” will target neighborhoods in Florida looking for houses with a little wear and tear on the roof.  They may go door-to-door, put out flyers, or post signs that say “Free Roof Inspections”. Even if the roof is good, they tell homeowners that they can get a free new replacement roof by filing an insurance claim. They will do all the paperwork, and may pay the insurance deductible for the homeowner. They may also give the homeowner a gift certificate to participate.The homeowner then signs a contract and “assignment of benefit” which allows the roofing contractor and the attorney involved in the scam to file an insurance suit stating the roof was damaged from a previous storm. The assignment of benefit allows them to receive any monetary award as a result of the claim. They may go so far as removing shingles and starting the roof job, so that the insurance company’s adjuster cannot verify the previous condition of the roof.

When the claim is settled, the attorney behind the fraud can receive what’s called a contingency fee multiplier. This could be double, ten times, or even 30 times the monetary damages the homeowner (whose benefits are now assigned) wins. For example, one 2019 case paid the attorney $700,000 on a $35,000 claim. Florida is the only state in the nation that allows these multipliers on insu rance claims. Florida has 76% of the homeowners insurance claim litigation in the country, losing $1.5 billion last year.

What’s happening as a result of these fraudulent claims? Florida insurance rates rise for everyone.  35% of the hidden cost of a policy is to cover the insurer’s expense in fighting this scam litigation. Insurers don’t want to cover homes with roofs older than ten years, because those are more likely to be targeted in a scam.  So, in order for a homeowner to keep their insurance, or to cut the cost, they have to pay to replace a perfectly good roof that’s a little old.  This is a feeding frenzy that benefits only the roofing contractors, shingle manufacturers (who teach seminars in how to get insurance companies to pay), and scammer attorneys.

Recent Florida legislation, SB76, was passed to help fight the insurance fraud and lessen insurers’ risk. It limits the originating date of claims to be within two years from the event, versus three, has litigation stipulations which may reduce awarded amounts and attorney fees, and makes it illegal to solicit homeowners with prohibited advertising. The legislation will probably not reduce Florida insurance rates soon, as it’s criticized as not going far enough. It does not eliminate the contingency fee multiplier that can pay out huge damages to the attorney.

And as for stopping illegal solicitation, I just saw another “Free Roof Inspection” sign go up in my neighborhood.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Parlo italiano.

A Simple Question to Start a Phone Call

The other day, a busy start of a real estate morning, I was trying to leave the house. You know those days when you cannot seem to get out of your pajamas, being caught up in emails, internet updates, and text messages from agents and clients? (Confess, you know what I am talking about). Well, it was one of those mornings.

Propping my phone onto my bathroom counter, getting ready for the day, I kept checking my emails. Lucky to jump in the shower at 10:00 a.m. Out of the shower I came, hair soaking wet, the phone rings. Normally, I would not have answered it at that time. Something possessed me to do so.  It was a mistake.

Believe me, I welcomed the call from a new buyer client referred to me by a local builder.  He was earnest, serious, and quite loquacious. While my hair continued to drip. He explained to me his past real estate projects, construction types, lot requirements, and knowledge of the area. There was no place to pause, and it continued.  I scrambled for a piece of paper and maintained my composure. As the frizz started to form on my head that would further explode from the humid day. No flat iron was going to solve this problem.

 

 

Which brings me to a simple piece of advice. When starting any phone conversation, after a brief “How are you?”, the added, “Do you have a moment to talk?” should be asked.  I always begin my  phone calls that way. Variations are, “Are you free?” “Do you have a quick minute?”. When the question is asked, the recipient is “let off the hook”. If they are busy, they will generally say so, with a sense of relief. Then, you can call them back or they can call you back when they are available. If I am asked the question, and I am busy, I explain that I would like to call them back, so I may give them “my full attention”. People appreciate that.

Did I survive the day? Of course. Did my hair look good? Not really.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Parlo italiano.

Should You Accept a Back-Up Offer on Your House?

Should you accept a back-up offer on your Destin Florida property, and what is it?

I recently placed one of my Destin listings under contract. It’s a fast market, so the house went “pending” in one day. The offer was great, for cash, with a strong price and a fast closing.  Of course, I had received several inquiries and showings as soon as it was listed. One agent whose buyers didn’t move fast enough, asked if they could put in a “back up offer”.  What does that mean, exactly?

In Florida, you can write an offer for real estate with a “back-up” contingency It says, in a nutshell:

  1. The back-up contract is contingent on the termination of a prior contract.
  2. The back-up contract is effectively withdrawn if the prior contract is not cancelled by a specified date.
  3. The buyer can withdraw the back-up contract at any time prior to notification that the primary contract is terminated.

How does a back-up contract benefit a seller?

A back-up contract obligates you to sell to the secondary buyer should the first offer fail to close. The failure to close could be for various reasons, such as: the buyer cannot get financing, the house does not pass an inspection, the buyer backs out, etc.

But why would you want to be tied in to a second contract? If you are, you will miss any potentially better offer that might come in.  Let’s say, however, that the back-up contract has fantastic terms, like a strong price, cash, and few contingencies. Even then, the back-up buyer can withdraw his offer at any time prior to moving into first position. It’s really an “option” to actually become the primary contract.

So, it just ties you in, and the back-up buyer is in control.  That’s to the buyer’s benefit, and not yours.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

This is not construed to be legal advice. For contract questions, consult an attorney. Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Parlo italiano.

 

 

 

“Parlo Italiano” – I Speak Italian! – Destin, Florida

So, I’ve been studying Italian for ten years.  It’s more than a hobby, it’s a passion.  As part of my excitement for the Italian language, I have a tag line after my Realtor email signature that says “Parlo italiano” which means “I speak Italian”. This is for the off-off-chance that an Italian speaking person (or magari native!) ever reads one of my emails. Now, the chances of this happening are really slim, as Destin, Florida is not a huge metropolitan area, and I’ve been using that email signature for years.

First, I thought it would be interesting, something different for someone to know about me, and second, I was hoping beyond hope to be able to help an Italian buy or sell real estate in the Destin Florida area.  One of my business dreams is to actually work with an Italian, and use some of my language skills.

This morning I received a buyer inquiry about one of my new listings.  We texted back and forth, and I promised to email her some information about the property. She emailed back that she was shocked and delighted to read my tag line, “Parlo italiano”! She said she was from Italy, a dual citizen, living in another state!  She even emailed me in Italian! I responded in kind, with a huge smile on my face! (Later re-reading my email, I should have concentrated better as I made a grammatical error!) This was the first time I’ve ever had a person comment on my tag line!

Then, a few minutes later, I am not kidding, I received an email from a newly stationed Italian military member at Eglin Air Force Base looking for rental housing. I don’t handle rentals, but wrote back in Italian with information about a rental company who could help him.  We exchanged several emails, and I recommended to him, in Italian, a fantastic local  “ristorante”, Mimmo’s , where the proprietor is Italian. I told him about the Italian study program in our Niceville, Florida school system. I also invited him and his family to join my local Destin Meetup Group, Parliamo Italiano Emerald Coast.  He graciously accepted and said he was looking forward to introducing his “famiglia” to me (all in Italian!).

This was two Italian client encounters in one day! I don’t know where it will lead, but the doors are “aperte” (open)! Vorrei accogliere tutti che parlano l’italiano a mia zona a Destin in Florida!

A presto!

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

 

 

 

167 Starlight Ln., Santa Rosa Beach Florida Near 30A – For Sale

Just Listed – 167 Starlight Ln., Santa Rosa Beach, Florida 32459

Plush, exquisite simplicity. This elegant manufactured home has bamboo floors, vaulted ceilings, enchanting lighting, and stylish design throughout. An angled breakfast bar overlooks the living room. The fireplace has a new surround that picks up the muted greys of the kitchen. There is a tile backsplash and new gas oven/range and hood.

The walk-in pantry maximizes storage. Surprises await in the master bathroom with soaking tub. Three bedrooms plus office with French doors with upscale feel.

The outdoor living area elevates lifestyle, with an enormous, captivating screened porch with wood ceiling, cooling shades, ceiling fans, and outdoor gas fireplace. The roof is metal. New air conditioner. The location is prime to enjoy Gulf of Mexico beaches, dining and shopping. Less than 3 miles to famous 30A Scenic Highway.

167 Starlight Ln., Santa Rosa Beach FL 32459 is offered for $299,900.

  

Watch the virtual tour.

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

It Makes Me Not Want to Move!

 

I was on a listing appointment the other day at a very nice house off 30-A in Santa Rosa Beach, FL. It was lived in, but the finishes still looked good. I went through the house with the seller to advise him of things he could do to get the house ready for the market.  We noticed some areas that needed a little touch-up paint. The outside needed to be pressure-washed. There was one issue with a door that would require a contractor repair. Also, the home needed to be staged, and the many personal items stashed away. The wife was an interior decorator, so that would not be a problem.

The husband said, “Gosh, we are selling and doing these things now, it makes me not want to move.”  I have heard that same thing from sellers so many times and it resonates! I told him that I had been thinking that we should all take care of our homes, with maintenance, upgrades and updates, while we are living in the house instead of waiting until we are ready to sell! How much happier we would be!

 

And we all know those people.  Their houses are perfect. Their landscape is coiffed. The house is staged. Always. Their baseboards are spotless. Even the tops of their cabinets are clean. There is no dust on their blinds or door moldings. Their water heater is new. The air conditioner is new. The furniture is gorgeous. Open the drawers, open the closets, open the cupboards. Everything is organized, folded, and color coded.

 

 

After eight years in our “new” home, there are still half-completed projects and some we never got to. The lining of all the drawers and cabinets. The new doors that were installed with uncompleted trim. The neglected dings and paint projects. And the list goes on.

Every time I list a home where great care has been taken in its upkeep, I feel admiration and inspiration. That is the person I aspire to be. But I’m not there yet.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Mind Tricks for Living in a Tourist Town – Destin, FL

They are everywhere! The roads, the beaches, the stores! Tourists! Living and working in Destin, Florida brings its challenges.  Locals gather at the workplace lamenting about traffic on Highway 98, Scenic Gulf Drive and 30A, and how much more the roads can bear. Vacationers seem to have found a permanent home in our environs on the Emerald Coast.  It used to be just high season from the Spring to Fall, but in the past year, there are more people in town than I’ve ever seen.

Getting from the Mid-Bay Bridge to Sandestin used to be an easy 15 minutes on Highway 98. Now, there are bottlenecks due to construction and it’s more like 30.  Try for a shortcut on Scenic Highway 98, and it’s not any better.  Try getting to the beach from Driftwood Road, where my real estate office is, and you’ll have to dodge people walking four-by-four down the middle of the street, carrying beach bags, umbrellas and sunburns. There is no avoiding it, and them.

Of course, we love our tourists in Destin, Florida. They are the economic strength behind our coastal area.  They support the restaurants, hotels, condos, beach rentals and shops. That is all good. But instead of using logic and reasoning to override the typical mental snap of “Don’t they know how to drive?”, “Why are they so slow crossing the street?” “How many people does it take to buy chips in the grocery store?” “Is that golf cart licensed to be on the road?”, there are a few mind tricks I’ve learned to put me more in the “Om” moment with tourists.

Here they are:

  1. Patience. My mantra is “We are tourists, too.” When we locals visit another tourist place, like Cape Cod, Nashville, or Florence, Italy, we are “them”!  We don’t know where we are going. We crowd attractions. We are slow. We are aimless. Yes, we drive the locals crazy there.  So, they are “us”. Be patient with them.
  2. Kindness. Instead of criticizing the family leaving the beach, walking on the hot pavement in their bare feet, really “see” them.  Look at the cute little girl and her brother, with their sun hats and kid glasses, following their father and mother like ducklings. They are adorable! Smile!
  3. Have a “Vacation Mind”.  This is the greatest trick. Tourists aren’t just getting from point A to point B, from work to appointment to grocery store to home. They are in awe of our Destin area. They notice things we don’t have the time for (isn’t it true anywhere you live?). They appreciate the blazing white sand. They are enraptured by the blue-green Gulf of Mexico waters. They soak in our steamy climate.  They love Destin Harbor, the local fish, the cuisine, the trendy shopping.

Tourists remind us to appreciate what’s all around us.  Who has time for that? Maybe we should make time.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Is That Listing “Coming Soon”? Explained – Destin, Florida

You see them advertised everywhere in the Destin Florida real estate market– “Coming Soon! New Listing!” But, what does that mean, exactly? The Emerald Coast Association of Realtors is guided by rules regarding entering listings into the Multiple Listing Service (MLS). “Coming Soon” is a special category for listings that are not quite ready to be fully activated on the market, or so they say.

Key points about the “Coming Soon Status” for the Destin, Florida market are:

  1. It’s only a short-term status when preparing a property for active status
  2. It’s used to notify other Realtors that the listing will be made fully available to the public once preparations are completed.
  3. The listing may be in “Coming Soon” status for 30 days before being fully “active” in the MLS

But, what difference does it make? Not much. The Emerald Coast Association of Realtors allows showings of “Coming Soon” properties. Many Realtor association across the nation do not allow “Coming Soon” listings to be shown.  In other parts of the country, that category builds up anticipation for a new listing to be premiered. But, locally, in the Destin Florida market, that’s not the case.

Of course, a seller, with the advice of his agent, may decide to place a listing in the “Coming Soon” category and not allow showings. Then the listing may be activated once the property is ready.  On the other hand, many listings that are newly activated already have a date specified on when showings may begin.  For example, a newly active listing may state that showings may begin in two days, for a period of two days, and only between certain hours. That’s because the real estate market on the Emerald Coast of Florida is quite vigorous and there are normally multiple showing requests immediately upon MLS entry.

The bottom line is, if your agent sends you a listing that’s in the “Coming Soon” category, and you want to see it now – ask.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.

Sales Factors – How Important Are They in Pricing Real Estate?

What are terms and conditions of a real estate sale, and why are they important to know? When a listing “closes” in the Emerald Coast Association of Realtors MLS in Florida, a field is required where an agent enters “sales notes”. The requirement is as follows:

“Listings changed to a Closed status must include any applicable information regarding factors affecting the sales price in the Sales Notes section.”

It is important to know what terms or conditions affected a sale to help other real estate agents price new listings correctly, or to make adjustments to existing listings either with price or incentives. This information is also extremely important to real estate appraisers who are hired by lending institutions or individuals buying homes.

What are some terms and conditions that affect a sale price?

Some examples are:

  1. Seller paying buyer closing costs (like a credit to cover a percentage or dollar amount of buyer’s title insurance, loan expenses, points, lender charges, a property survey, inspections, etc.)
  2. Buyer paying seller closing costs (like real estate commission, doc stamps on the deed)
  3. Seller “crediting” the buyer for repairs (the credit could be a dollar amount applied towards buyer’s closing costs or pre-paying a contractor for the cost of the job)
  4. Agents waiving commission if it’s their own purchase or sale
  5. Buyer allowing a seller to remain in the property after closing, either with or without rent
  6. Property appraising under contract price. Was price adjusted downward or did buyer complete the purchase notwithstanding?
  7. Seller including furnishings that buyer wants
  8. Seller doing repairs for a buyer prior to closing (that may have been noted in a home inspection or termite inspection)
  9. Seller doing upgrades for a buyer prior to closing (like painting a house, putting on a roof, installing a new water heater – some of these are Florida specific items due to Florida insurance issues)
  10. Buyer allowing seller to use the property (if it’s a rental) at a future date, or dates, free of charge, or for reduced rate, as an incentive to accept a lower sales price
  11. Multiple offers which created bid atmosphere and pushed up pricing
  12. Buyer paying for upgrades which increased sales price (new construction add-ons or customization).
  13. Seller paying homeowners association or condo association special assessment in full or part, and for how much
  14. Buying agreeing to pay special assessments
  15. Seller including boat, car, golf cart, bikes, etc.
  16. Buyer waiving home inspection or other inspections
  17. Buyer using Florida escalation clause
  18. Property selling “as is”, if major repairs were needed, that should be noted
  19. Buyer paying cash
  20. Buyer closing faster than normal
  21. Seller financing

 

If I were doing a market analysis for a new Destin Florida listing, how would some of these sales terms affect my pricing suggestion? If similar properties sold for a certain amount, but they were sold furnished, and my seller did not want to sell furnished, that may reduce his sales price.  If a seller of a similar property were allowed a month extra to stay in the house, but my seller wasn’t asking for a free rent back, then his price may be higher.  If a similar property sold without a home inspection, then that’s a buyer contribution to price, so my listing might sell for more.  If a similar property sale included a golf cart and boat, but my listing does not, it may sell for less. Is this making sense?

Of course, there are many other pricing factors, but sales terms and conditions are critical to analyze the current market for the property.

It is our duty to the public to use our best skills and abilities to recommend a correct listing price to our sellers. Noting sales factors is imperative.

 

It’s Wendy… It’s Sold!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call 850-259-0422
Email Wendy: itswendy@rulnickrealty.com

Wendy Rulnick, Broker, lists and sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Crestview, Sandestin, Seaside, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Niceville, Freeport, Bluewater Bay, Navarre, Florida.