Meanwhile, the Veterans Administration (VA) guarantees home loans made available to veterans, reservists and military personnel, without any down payment. VA loans frequently offer lower interest rates than normally available with other kinds of loans, thereby making it easier for veterans to qualify for a home loan.

The maximum loan amount VA will insure varies by region. There is no restriction on the purchase price as long as the borrower has the cash to make up the difference between the loan amount and the purchase price.

For more information and the chance to win a Xerox Phaser 8560MFP, a multifunction product valued at $1,999, visit www.xerox.com/office/WiseNAR. To be eligible to win, you must enter by 6/29/07.

RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com.

Makes a great addition to any promotional mailing or listing presentation. Sold in packs of 100; includes a die-cut to hold a business card.

For more information, visit http://www.realtor.org/prodser.nsf/OpenProd?OpenForm&IN=135-30.

RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com.

Real
Estate magazine is the only national, independent magazine specializing in the
residential real estate and relocation industries, covering all aspects of the
industry, including special sections on business development, coaching and
technology. Editorial includes a broad range of coverage from expert commentary
to client testimonials, detailed feature stories and in-depth analytical cover
stories providing exclusive insight into the nation’s most successful
businesses.

Our
Readership

Real
Estate magazine targets a very specific audience of real estate decision makers
who are empowered to purchase goods and services, including:

Networks
& Franchises

Executive
teams from America’s larges residential real estate corporations, including:
Century 21; Coldwell Banker; ERA; Sotheby’s International Realty; EXIT Realty;
GMAC Real Estate; Prudential Real Estate; HomeServices of America; Keller
Williams; Leading Real Estate Companies of the World; Realty Executives; RE/MAX International; Weichert Real Estate Affiliates.

Power
Brokers

Owners
and executive teams at more than 750 of America’s largest residential rela
estate brokerage firms.

Top
Producing Associates and Managers

Board
and State Associations

900+
boards and 1,900+ officers

Real
Estate and Relocation Service Firms

Leading
industry executives from relocation management firms, referral networks, MLS vendors, banks, mortage companies, moving
services and title, appraisal, inspection and insurance companies,

Corporations

Relocation
directors of America’s
largest corporations

Each
year our readership generates significant sales of the following products and
services:

Technology
hardware and software

New
mortgages and home refinances

Home
warranty and insurance

Interim
housing services

Household
goods shipments

Environmental
tests and home inspections

Fee
appraisals

Furniture
rentals

At
http://www.rismedia.com/, readers can
also access the digital version of RISMedia’s Real Estate magazine, a
unique interactive experience that allows readers convenient access to our
monthly print publication, whenever and wherever they need it. Real Estate
magazine online is viewed by an audience of our more than 300,000 online
readers.

• 1 Year Subscription: $54.21
• 2 Year Subscription: $98.41
• 1 Year Canadian Subscription:
  $200.00
• 2 Year Canadian Subscription:
  $400.00

This impact, if continued over time on a national scale, will, in all
likelihood, cause change – change that has the power to affect your future and
that of an entire industry. Change, it is said, is what most people fear most –
not because it is wrong, rather because it is simply uncertain.

Fear is often the result of what we do not know or cannot understand.

Therefore, the goal of the Swanepoel Trends Report is to alleviate
that fear by introducing, at an early stage, important information that will
most likely appear in your future. Scenario planning will empower you.
Knowledge will allow you to strengthen your skill set and service offerings.
Tomorrow will become part of today,and your earlier concern will forge building
blocks for a successful future.  If you plan to remain in the real estate
industry for the long haul, then you need to strategize your future success
today.

What are Trends?

A “Trend” is generic term used to describe any consistent pattern or change
in the general direction of a stock, a market, or an industry that over the
course of time causes a statistically noticeable change.

It is sometimes hard to distinguish between a “Fad” and a “Trend” – between
those events that will maintain longevity and substance compared to those that
will fizzle out and fade away over a very short period of time. Identifying a
trend is not an exact science, rather an art form based on facts, patterns,
change and time.

Trends are generally not products and services, nor are they the companies
that deliver these products and services. They are rather concepts, beliefs or
philosophies, prevalent ideologies and fundamental reasons that cause a market
to change direction.

Trends are more often than not interwoven within each other, with one trend
often encapsulating part of another.  Trends are also frequently born as a
result of tangential events that have changed or shifted a paradigm, allowing
the evolution of a new trend.

Some Trends in the real estate industry evolve internally to meet a specific
need, while others develop when new products or solutions are created to solve
problems that may or may not currently exist. Many times a successful trend in
another industry spills over into the real
estate industry, and is adopted after a period of trial and error.

Many real estate trends did not make it into the Swanepoel Trend Report.
The following factors were taken into consideration when evaluating trends in
the real estate industry: the
Origin of the Concept or Trend, the Driving Force behind the Trend, the
Lifecycle and Maturity of the Trend, the Industry Demand or the Need
for the Result, and the Growth Pattern and Potential Impact the Trend will have
in the Industry.

Some of the Trends Detailed in the 120-page Swanepoel Trends Report,
(in no particular order)

Technology and Internet Related Trends

• Continued Development of the
  Internet     
• Electronic Devices Take
  Center Stage
• Evolution of Multi-Listing
  Services
• Integrating and Managing the
  Real Estate Transaction
• Rebirth of a New Middleman
  and Growth of Lead Generation

Consumer and Marketing Related Trends

• Changing Consumer
  Characteristics
• Impact of Immigrants and
  Minorities 
• A Population on the
  Move  
• The Realignment of Marketing
  Strategies

Changing Business Related Trends

• Advancement and
  Sophistication of Real Estate Agents
• To Those Who Have ….. 
  More Will Be Given
• The Growing Knowledge and
  Skills Vacuum 
• The Entry of Outsiders into
  the Real Estate Industry
• The Real Estate Franchising
  Revival
• The Proliferation of New
  Business Models

Since 1980, RISMedia’s Real Estate magazine is the publication of choice for real estate’s most profitable and productive professionals—and all those looking to gain a competitive edge.

Real Estate magazine is the only national, independent magazine specializing in the residential real estate and relocation industries, covering all aspects of the industry, including special sections on business development, coaching and technology. Editorial includes a broad range of coverage from expert commentary to client testimonials, detailed feature stories and in-depth analytical cover stories providing exclusive insight into the nation’s most successful businesses.

Our Readership 

Real Estate magazine targets a very specific audience of real estate decision makers who are empowered to purchase goods and services, including:

Networks & Franchises

Executive teams from America’s larges residential real estate corporations, including: Century 21; Coldwell Banker; ERA; Sotheby’s International Realty; EXIT Realty; GMAC Real Estate; Prudential Real Estate; HomeServices of America; Keller Williams; Leading Real Estate Companies of the World; Realty Executives; RE/MAX International; Weichert Real Estate Affiliates.

Power Brokers

Owners and executive teams at more than 750 of America’s largest residential rela estate brokerage firms.

Top Producing Associates and Managers

Board and State Associations

900+ boards and 1,900+ officers

Real Estate and Relocation Service Firms

Leading industry executives from relocation management firms, referral networks, MLS vendors, banks, mortage companies, moving services and title, appraisal, inspection and insurance companies,

Corporations

Relocation directors of America’s largest corporations

Each year our readership generates significant sales of the following products and services:

Technology hardware and software

New mortgages and home refinances

Home warranty and insurance

Interim housing services

Household goods shipments

Environmental tests and home inspections

Fee appraisals

Furniture rentals

At http://www.rismedia.com/, readers can also access the digital version of RISMedia’s Real Estate magazine, a unique interactive experience that allows readers convenient access to our monthly print publication, whenever and wherever they need it. Real Estate magazine online is viewed by an audience of our more than 300,000 online readers.

Do You Have the Right Tools for Your Marketing Toolkit?

REPRINTS are very powerful marketing tools. They are not expensive to customize to fit your specific promotion needs and are delivered fast.

At RISMedia and Real Estate magazine, we take reprints seriously so that you can maximize your marketing efforts. We can customize any reprint to fit your needs. Whether we printed the story in our magazine or online, we can design a reprint that will support your business initiatives.

For copies of recent reprints created for other companies, or to have one created and/or customized to promote your business – in any quantity – please contact your sales representative or call (800) 724-6000

BACK ISSUES:

To order back issues of Real Estate magazine, please contact your sales representative or call (800) 724-6000 and specify the issue date and quantity.

Back issues can go quickly and some issues are no longer available. Discounts are available for purchases of multiple copies.

COPYRIGHT PERMISSION:

You do not need permission from RISMedia to download or reprint a single copy of any content/editorial from RISMedia or Real Estate magazine for your own personal use.

Commercial use of content is not permitted unless you have secured approval in writing from RISMedia. Please contact your sales representative or call (800) 724-6000.

If you are preparing content for use on your website or in your in-house newsletter or local newspaper, or the like, you must include a source-line attribution to www.rismedia.com and provide the date the article appeared on the RISMedia online news service, or the date and publication issue of the article when it appeared in Real Estate magazine.

You must credit the author, include the appropriate reprint permission language (see below) and agree that content republished will be republished in its entirety and not be edited. You must also send an email to RISMedia stating your intention to reprint a story that was published by RISMedia, how and where it will be used and the number of copies to be distributed. A copy of the finished reprint must be sent to RISMedia, as well. All correspondence should be directed to your sales representative or call (800) 724-6000 to be directed to the appropriate contact.

Reprint Permission Language:

"Reprinted from REAL ESTATE magazine [month, year] with permission of RISMedia, Inc. www.rismedia.com, Copyright 200x. All rights reserved."

Or

"Reprinted from RISMedia Real Estate News Service [month, year] with
permission of RISMedia, Inc. www.rismedia.com, Copyright 200x. All rights
reserved."

If you are unsure of the copyright year, please contact your sales representative or call (800) 724-600

SUBSCRIBE TODAY. SAVE 35% — CLICK HERE

To sign up, or renew today, and save up to 35% simply click the link above. Receive real estate's leading independent magazine for TOP PRODUCING AGENTS, ASSOCIATES, BROKERS, OWNERS and MANAGERS every month. We welcome your readership and participation.

A business-building program to benefit Brokers, Sponsors and Home Buyers

The Hometown Guidebooks provide your local Real Estate office with high quality listing and sales material for your agents, along with useful community and professional service information for new or prospective home buyers, all at no cost to you.  The real estate broker’s preferred vendors sponsor the publication and are recommended by the broker to the home buyer and seller.

The Guidebook offers benefits to:

The Real Estate Broker

• Builds confidence between brokers and clients.
• Cements your relationship with vendors and the community.
• Projects the image and professionalism of your office.
• Distributes valuable information about the home-buying process and makes the community even more attractive to the home buyer.
• Provides information about local reputable businesses and trustworthy professionals helping the home buyer and  seller before, during and after the transaction.

The Sponsors

• Referrals from Realtors® provide new business for sponsors.
• Positive exposure to families relocating to the area, to existing local clients and through open houses for prospective home buyers.
• Relocating families will have recommendations for important vendors two to three months before they move into their new home.
• Strengthens the relationship with the real estate broker, ensuring future business referrals.

The Home Buyer

• Home buyers are provided with valuable information about their new town.
• They receive a reliable source of local businesses and professionals recommended by the real estate agent, making the purchase and relocation processes go much more smoothly.

For information on how to have a Home Buyers Guidebook created for your market, contact Regional Manager Gus Olsen at 203-770-3433 or e-mail gusolsen@hotmail.com.

RISMedia’s Daily e-News broadcasts to more than 316,000 subscribers each day with the latest, breaking industry news, keeping our readers informed with more than 1.8 million weekly impressions. 

In addition to a daily edition of dozens of articles covering the most important breaking news you need to know, Daily e-News also includes expert columns on Business Development, Coaching, Training & Business Development, Online Marketing, NAR News and Updates and much more. It also includes helpful and entertaining perspectives on a broad range of general interest articles in Today’s HOMEspun Wisdom. 

Daily e-News also provides links to Real Estate magazine, so you can stay current on each month’s issue right from your computer. Visitors will also find broker spotlights, tips, polls, special offers and links to the industry’s best products and services. 

To sign up and begin receiving Daily e-News, enter your e-mail in the Daily e-News box at the top right of the page!

Make Your Company Stand Out Today with Custom Magazine Supplements from RISMedia!

RISMedia can work with your company to create custom 8- or 12-page print advertising supplements that showcase your products and services and are mailed as a package with Real Estate magazine.

Our editorial and production staff will work with your organization to design a high-quality promotional piece that can be used as value-added marketing collateral to distribute among brokers, agents and their clients to highlight your company.

Contact your sales representative for further information and pricing, or, if you are new to RISMedia, contact Executive Vice President Darryl MacPherson at (800) 724-6000 ext. 136 or darryl@rismedia.com .

The Swanepoel Trends Report isn’t about making spurious predictions about the real estate industry, nor is it solely about the future. It is more a state of current affairs in the real estate industry combined with a compendium of national research. This research carefully monitors shifts in thinking,evaluates innovation, and tracks existing real estate trends that, according to our analysis, show a strong tendency towards change, longer term growth, and the possible structural impact on the residential real estate brokerage industry.

Some of the Trends Detailed in the 120-page Swanepoel Trends Report.

Technology and Internet Related Trends

• Continued Development of the Internet     
• Electronic Devices Take Center Stage
• Evolution of Multi-Listing Services
• Integrating and Managing the Real Estate Transaction
• Rebirth of a New Middleman and Growth of Lead Generation

Consumer and Marketing Related Trends

• Changing Consumer Characteristics
• Impact of Immigrants and Minorities 
• A Population on the Move  
• The Realignment of Marketing Strategies

• Advancement and Sophistication of Real Estate Agents
• To Those Who Have …..  More Will Be Given
• The Growing Knowledge and Skills Vacuum 
• The Entry of Outsiders into the Real Estate Industry
• The Real Estate Franchising Revival
• The Proliferation of New Business Models

Subscribe to RISMedia’s Power Team Report and learn what the
nation’s top Agent Teams are doing to stay successful.

Welcome to RISMedia’s Power
Team Report, the network for real estate’s top-producing agent teams, and
thank you for your interest in subscribing to this powerful information network
for Agent Teams!

By doing so you will join a membership-based network of the
nation’s most successful Agent Teams who depend on our report to provide
detailed advice from leading real estate experts on leadership, delegating,
finances, marketing, technology, human resources and more.

The information is developed by professional business
writers and real estate experts in conjunction with our staff in order to bring
you the most relevant information on how today’s agent teams operate more
efficiently while increasing profitability.

Information printed in RISMedia’s Power Team Report is available only through this members-only
resource. Don’t miss out on what the nation’s most successful Agent Teams are
learning in RISMedia’s Power Team Report!

Subscribe now at the rate of $99 for one year or two years
for $198!

To read a sample story from the Power Team Report, click
here !

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Subscribe to RISMedia’s Power Broker Network Report and find out
what the nation’s top brokers are reading!

Welcome to RISMedia’s Power
Broker Network Report, real estate’s strategic resource for business
development and wealth management, and thank you for your interest in
subscribing to this powerful information network!

By doing so you will join an elite membership of the
nation’s top brokers and executives who depend on our report to provide
detailed, analytical information to help them grow their business and augment
their wealth.

The information is developed by professional business
writers and real estate experts in conjunction with our staff in order to bring
you relevant information on consumer buying habits, expansion strategies,
operational efficiencies, wealth management, recruiting and retention and more.

Information printed in RISMedia’s Power Broker Network Report is available only through this
members-only resource. Don’t miss out on what brokers ‘in the know’ are
discovering! 

Subscribe now at the rate of $450 for one year!

To read a sample story from the Network Report, click here !

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It breaks down the leading companies by transaction sides and annual sales volume and also includes important company information, including each company’s number of agents and offices, year-over-year comparisons, stats by metro market, issues of most importance to Power Brokers, brand affiliations, ancillary business analysis, companies to watch, detailed broker profiles and much more.

The 2006 Report was RISMedia’s 18^th annual edition. Visit the report here:

 http://www.rismedia.com/images/06_PB_Report.pdf

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