Real Estate Brokers and

Real estate brokers and sales agents Occupational Outlook Handbook, 2006-07 Edition U.S. Department of Labor | Bureau of Labor Statistics | Bulletin 2600 Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Source: Bureau of Labor Statistics

Property Search

Welcome to the Cook County Assessor's Virtual Office Cook County Assessor's Office: Property Search Please select from the following search types: Search by Property Index Number and Property Class: PIN: - - - - Choose Residential Class --> 2-02: One Story Residence, Any Age, up to 999 Sq. Ft. 2-03: One Story Residence, Any Age, 1,000 to 1,800 Sq. Ft. 2-04: One Story Residence, Any Age, 1,801 Sq Ft. and Over 2-05: Two or More Story Residence, Over 62 Years, up to 2,200 Sq. Ft. 2-06: Two or More Story Residence, Over 62 Years, 2,201 to 4,999 Sq. Ft. 2-07: Two or More Story Residence, Up to 62 Years, up to 2,000 Ft. 2-08: Two or More Story Residence, Up to 62 Years, 3,801 to 4,999 Sq. Ft. 2-09: Two or More Story Residence, Any Age, 5,000 Sq. Ft. & Over 2-10: Old Style Row House, Over 62 Years 2-11: Two to Six Apartments, Any Age 2-12: Two to Six Apartments, Up to 62 Years 2-21: Corner Store, Office with Apartments Above Six Units or Less and Building Square Foot Less Than 20,000 2-34: Split Level Residence with Lower Level Below Grade, All Ages, All Sizes 2-78: Two or More Story Residence, Up to 62 Years, 2,001 to 3,800 Sq. Ft 2-95: Individually Owned Row Houses or Townhouses, Up to 62 Years 2-99: Residential Condominium OR Choose Non-Residential Class --> 0-00: Exempt 1-00: Vacant Land 1-90: Other minor improvement which does not add value 2-00: Residential land 2-01: Residential garage 2-13: Cooperatives (must have cdu of co) 2-24: Farm buildings 2-25: Qualified single room occupancy improvements (must have cdu of sr) 2-36: Any residence located on a parcel used primarily for industrial or commercial use 2-39: Farm land under use-value pricing 2-40: Farm land under market pricing 2-41: Vacant land under common ownership with adjacent residence 2-88: Home improvement exemption 2-90: Other minor improvements 2-94: Rented modern row houses or townhouses with less than seven units 2-97: Special residential improvements 3-00: Land Used in Conjunction with Rental Apartments 3-01: Garage used in conjunction with rental apartments 3-13: 2 or 3 story building, 7 or more units, sgl. devel., one or more contig. parcels, in common ownership 3-14: Two or three story non-frprf. crt. and corridor apts or california type apts, no corridors, ex. entrance 3-15: Two or three story non-fireproof corridor apartments,or california type apartments, interior entrance 3-18: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-19: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-20: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-21: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-90: Other minor improvements 3-91: Apartment buildings over three stories 3-96: Rented mdrn row houses, 7 or more units in a single develop. or 1 or more contig. parcels in cmn. ownshp. 3-97: Special rental improvements 3-99: Rental condo units in a sngl. dvlp. of 1 or more contig. parcels w 7 or more rental units, comn ownshp 4-00: Not for profit land 4-01: Not for profit garage 4-13: Not for prof. 2 or 3 stry bldg., 7 or more units, sng develop., 1 or more contig. parcels, in comn ownshp 4-14: Not for prof. 2 or 3 stry non-frprf crt and corridor apts or ca. type apts, no corridors, ex. entrance 4-15: Not for prof 2 or 3 stry non-frprf corridor apts, or ca. type apts, inter. entrance 4-16: Not for profit non-fireproof hotel or rooming house (apartment hotel) 4-17: Not for profit One story store 4-18: Not for profit Two or three story frame stores, with apartments above 4-19: Not for profit Two or three story old style store, with apartments above 4-20: Not for profit Two or three story modern inside store with apartment above 4-21: Not for profit corner store, office with apartment above 4-22: Not for profit One story non-fireproof public garage 4-23: Not for profit gasoline station 4-26: Not for profit commercial greenhouse 4-27: Not for profit theatres 4-28: Not for profit bank buildings 4-29: Not for profit motels 4-30: Not for profit supermarket 4-31: Not for profit shopping center 4-32: Not for profit bowling alley 4-33: Not for profit quonset huts and butler type buildings 4-35: Not for profit golf course improvement 4-80: Not for profit other industrial improvements 4-83: Not for profit industrial quonset huts and butler type buildings 4-87: Not for profit special industrial improvements 4-89: Not for profit industrial condominium units 4-90: Not for profit other minor improvements 4-91: Not for profit improvement over three stories 4-92: Not for profit Two or three story building containing part or all retail and/or commercial space 4-93: Not for profit industrial 4-96: Not for profit rent mdrn row houses, 7 or more units a sing dvlp or 1 or more contig prcls in comn ownshp 4-97: Not for profit special improvement 4-99: Not for profit condominium 5-00: Commercial land 5-01: Garage used in conjunction with commercial improvements 5-16: Non-fireproof hotel or rooming house (apartment hotel) 5-17: One story store 5-22: One story non-fireproof public garage 5-23: Gasoline station 5-26: Commercial greenhouse 5-27: Theatres 5-28: Bank buildings 5-29: Motels 5-30: Supermarket 5-31: Shopping center 5-32: Bowling alley 5-33: Quonset huts and butler type buildings 5-35: Golf course 5-50: Industrial land 5-80: Other industrial minor improvements 5-81: Garage used in conjunction with industrial improvements 5-83: Industrial quonset huts and butler type buildings 5-87: Special industrial improvements 5-89: Industrial condominium units 5-90: Commercial minor improvements 5-91: Commercial buildings over three stories 5-92: Two or three story building containing part or all retail and/or commercial space 5-93: Industrial 5-97: Special commercial improvements 5-99: Commercial condominium units 6-37: Industrial brownfield land 6-38: Industrial brownfield 6-50: Industrial land 6-51: Industrial land 6-54: Other industrial brownfield minor improvements 6-55: Garage used in conjunction with industrial brownfield incentive improvements 6-63: Industrial 6-66: Industrial brownfield quonset huts and butler type buildings 6-68: Special improvements 6-69: Industrial brownfield condominium units 6-70: Other industrial minor improvements 6-71: Garage used in conjunction with industrial incentive improvements 6-73: Industrial quonset huts and butler type buildings 6-77: Special improvements 6-79: Industrial condominium units 6-80: Other industrial minor improvements 6-81: Garage used in conjunction with industrial incentive improvements 6-83: Industrial quonset huts and butler type buildings 6-87: Special industrial improvements 6-89: Industrial condominium units 6-93: Industrial 7-00: Commercial incentive land 7-01: Garage used in conjunction with commercial incentive improvements 7-16: Non-fireproof hotel or rooming house (apartment hotel) 7-17: One story retail, restaurant, or banquet hall, medical building, miscellaneous commercial use 7-22: Garage, public/service 7-23: Gasoline station, with/without bays, store 7-26: Commercial greenhouse 7-27: Theatres 7-28: Bank buildings 7-29: Motels 7-30: Supermarket 7-31: Shopping center (regional, community, neighborhood, promotional, specialty) 7-32: Bowling alley 7-33: Quonset huts and butler type buildings 7-35: Golf course 7-42: Commercial incentive land 7-43: Garage used in conjunction with commercial incentive improvements 7-45: Golf course 7-46: Non-fireproof hotel or rooming house (apartment hotel) 7-47: One story retail, rstrnt, or bnqt hall, med. blding, miscellaneous commercial use 7-48: Motels 7-52: Garage, public/service 7-53: Gasoline station, with/without bays, store 7-56: Commercial greenhouse 7-57: Theatres 7-58: Bank buildings 7-60: Supermarket 7-61: Shopping center (regional, community, neighborhood, promotional, specialty) 7-62: Bowling alley 7-64: Quonset huts and butler type buildings 7-65: Other minor improvements 7-67: Facilities (tennis, rqtball, hlth club), (nursing, retirement home), auto. dlrshp, comm. structure 7-72: Two or three story building containing part or all retail and/or commercial space 7-74: office building (One story, low rise, mid rise, high rise) 7-90: Other minor improvements 7-91: Office building (one story, low rise, mid rise, high rise) 7-92: Two or three story building containing part or all retail and/or commercial space 7-97: Facilities (tennis, rqtbll, hlth club), (nursing, rtrmnt home), auto dlrshp, comm. structure 7-98: Commercial/industrial-condominium units/garage 7-99: Commercial/industrial-condominium units/garage 8-01: Garage in conjunction with commercial incentive improvements 8-16: Non-fireproof hotel or rooming house (apartment hotel) 8-17: One story retail, restaurant, (banquet hall, fast food), medical, miscellaneous commercial use 8-22: Garage (public/service) 8-23: Gasoline station with/without bay, store 8-26: Commercial greenhouse 8-27: Theatres 8-28: Bank building 8-29: Motels 8-30: Supermarket 8-31: Shopping center (regional, community, neighborhood, promotional, specialty) 8-32: Bowling alley 8-33: Quonset huts and butler type buildings 8-35: Golf course 8-50: Industrial incentive land 8-80: Other industrial minor improvements 8-81: Garage used in conjunction with industrial incentive improvements 8-83: Quonset huts and butler type buildings 8-87: Special industrial improvements 8-89: Industrial condominium units 8-90: Other minor improvements 8-91: Office building, (One story, low rise, midrise, high rise) 8-92: Two or three story building containing part or all retail and/or commercial space 8-93: Industrial buildings 8-97: Facilities, (tennis, rqtball, hlth club), (nursing, retirement home), auto. dlrshp, misc. comm. structure 8-99: Commercial/industrial condominium units/Garage 9-00: Land used in conjunction with incentive rental apartments 9-01: Garage used in conjunction with incentive rental apartments 9-13: 2 or 3 story bldng, 7 or more units, sngle devel., 1 or more contig. parcels, in common ownership 9-14: 2 or 3 story non-freprf crt and corridor apts or california type apts, no corridors, ex. entrance 9-15: 2 or 3 story non-frprf corridor apts, or california type apts, interior entrance 9-18: 2 or 3 story frame stores, with apts above (must be split coded with another class) 9-19: 2 or 3 story old style store, with apts above (must be split coded with another class) 9-20: 2 or 3 story modern inside store with apts above (must be split coded with another class) 9-21: Corner store, office with apartments above (must be split coded with another class) 9-59: Rental condo unts in a sing. dvlp. of 1 or more contiprcls w/ 7 or more rent units, commn ownrshp 9-90: Other minor improvements 9-91: Apartment buildings over three stories 9-96: Rental mdrn row houses, 7 or more unts in a sing. dvlpment or 1 or more contig. prcls in comm. ownrshp 9-97: Special rental improvements Enter Permanent Index Number (P.I.N.)Search by entering your 14 digit Property Index Number PIN in the corresponding boxes in the Search by Property Index Number function. Your PIN can be found on your Notice of Proposed Assessed Valuation, or on your tax bill. The first 2 digits should be entered into the first box, the second 2 in the second box, 3 digits in each of the third and fourth boxes, and the remaining 4 digits in the last box. Once you have entered your PIN, click once on the Search button. This will bring up a page with your desired PIN, corresponding address, class code, neighborhood, assessed value, and city. View Instructions Close Instructions Search by Address : House Number (from): (to:) Direction: Street: Note: For more accurate results, do NOT include labels such as St., Ave. Dr.,etc. City: Property Class: (optional) Choose Residential Class --> 2-02: One Story Residence, Any Age, up to 999 Sq. Ft. 2-03: One Story Residence, Any Age, 1,000 to 1,800 Sq. Ft. 2-04: One Story Residence, Any Age, 1,801 Sq Ft. and Over 2-05: Two or More Story Residence, Over 62 Years, up to 2,200 Sq. Ft. 2-06: Two or More Story Residence, Over 62 Years, 2,201 to 4,999 Sq. Ft. 2-07: Two or More Story Residence, Up to 62 Years, up to 2,000 Ft. 2-08: Two or More Story Residence, Up to 62 Years, 3,801 to 4,999 Sq. Ft. 2-09: Two or More Story Residence, Any Age, 5,000 Sq. Ft. & Over 2-10: Old Style Row House, Over 62 Years 2-11: Two to Six Apartments, Any Age 2-12: Two to Six Apartments, Up to 62 Years 2-21: Corner Store, Office with Apartments Above Six Units or Less and Building Square Foot Less Than 20,000 2-34: Split Level Residence with Lower Level Below Grade, All Ages, All Sizes 2-78: Two or More Story Residence, Up to 62 Years, 2,001 to 3,800 Sq. Ft 2-95: Individually Owned Row Houses or Townhouses, Up to 62 Years 2-99: Residential Condominium OR Choose Non-Residential Class --> 0-00: Exempt 1-00: Vacant Land 1-90: Other minor improvement which does not add value 2-00: Residential land 2-01: Residential garage 2-13: Cooperatives (must have cdu of co) 2-24: Farm buildings 2-25: Qualified single room occupancy improvements (must have cdu of sr) 2-36: Any residence located on a parcel used primarily for industrial or commercial use 2-39: Farm land under use-value pricing 2-40: Farm land under market pricing 2-41: Vacant land under common ownership with adjacent residence 2-88: Home improvement exemption 2-90: Other minor improvements 2-94: Rented modern row houses or townhouses with less than seven units 2-97: Special residential improvements 3-00: Land Used in Conjunction with Rental Apartments 3-01: Garage used in conjunction with rental apartments 3-13: 2 or 3 story building, 7 or more units, sgl. devel., one or more contig. parcels, in common ownership 3-14: Two or three story non-frprf. crt. and corridor apts or california type apts, no corridors, ex. entrance 3-15: Two or three story non-fireproof corridor apartments,or california type apartments, interior entrance 3-18: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-19: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-20: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-21: Mixed use commercial/residential with apts. above seven units or more or building sq. ft. over 20,000 3-90: Other minor improvements 3-91: Apartment buildings over three stories 3-96: Rented mdrn row houses, 7 or more units in a single develop. or 1 or more contig. parcels in cmn. ownshp. 3-97: Special rental improvements 3-99: Rental condo units in a sngl. dvlp. of 1 or more contig. parcels w 7 or more rental units, comn ownshp 4-00: Not for profit land 4-01: Not for profit garage 4-13: Not for prof. 2 or 3 stry bldg., 7 or more units, sng develop., 1 or more contig. parcels, in comn ownshp 4-14: Not for prof. 2 or 3 stry non-frprf crt and corridor apts or ca. type apts, no corridors, ex. entrance 4-15: Not for prof 2 or 3 stry non-frprf corridor apts, or ca. type apts, inter. entrance 4-16: Not for profit non-fireproof hotel or rooming house (apartment hotel) 4-17: Not for profit One story store 4-18: Not for profit Two or three story frame stores, with apartments above 4-19: Not for profit Two or three story old style store, with apartments above 4-20: Not for profit Two or three story modern inside store with apartment above 4-21: Not for profit corner store, office with apartment above 4-22: Not for profit One story non-fireproof public garage 4-23: Not for profit gasoline station 4-26: Not for profit commercial greenhouse 4-27: Not for profit theatres 4-28: Not for profit bank buildings 4-29: Not for profit motels 4-30: Not for profit supermarket 4-31: Not for profit shopping center 4-32: Not for profit bowling alley 4-33: Not for profit quonset huts and butler type buildings 4-35: Not for profit golf course improvement 4-80: Not for profit other industrial improvements 4-83: Not for profit industrial quonset huts and butler type buildings 4-87: Not for profit special industrial improvements 4-89: Not for profit industrial condominium units 4-90: Not for profit other minor improvements 4-91: Not for profit improvement over three stories 4-92: Not for profit Two or three story building containing part or all retail and/or commercial space 4-93: Not for profit industrial 4-96: Not for profit rent mdrn row houses, 7 or more units a sing dvlp or 1 or more contig prcls in comn ownshp 4-97: Not for profit special improvement 4-99: Not for profit condominium 5-00: Commercial land 5-01: Garage used in conjunction with commercial improvements 5-16: Non-fireproof hotel or rooming house (apartment hotel) 5-17: One story store 5-22: One story non-fireproof public garage 5-23: Gasoline station 5-26: Commercial greenhouse 5-27: Theatres 5-28: Bank buildings 5-29: Motels 5-30: Supermarket 5-31: Shopping center 5-32: Bowling alley 5-33: Quonset huts and butler type buildings 5-35: Golf course 5-50: Industrial land 5-80: Other industrial minor improvements 5-81: Garage used in conjunction with industrial improvements 5-83: Industrial quonset huts and butler type buildings 5-87: Special industrial improvements 5-89: Industrial condominium units 5-90: Commercial minor improvements 5-91: Commercial buildings over three stories 5-92: Two or three story building containing part or all retail and/or commercial space 5-93: Industrial 5-97: Special commercial improvements 5-99: Commercial condominium units 6-37: Industrial brownfield land 6-38: Industrial brownfield 6-50: Industrial land 6-51: Industrial land 6-54: Other industrial brownfield minor improvements 6-55: Garage used in conjunction with industrial brownfield incentive improvements 6-63: Industrial 6-66: Industrial brownfield quonset huts and butler type buildings 6-68: Special improvements 6-69: Industrial brownfield condominium units 6-70: Other industrial minor improvements 6-71: Garage used in conjunction with industrial incentive improvements 6-73: Industrial quonset huts and butler type buildings 6-77: Special improvements 6-79: Industrial condominium units 6-80: Other industrial minor improvements 6-81: Garage used in conjunction with industrial incentive improvements 6-83: Industrial quonset huts and butler type buildings 6-87: Special industrial improvements 6-89: Industrial condominium units 6-93: Industrial 7-00: Commercial incentive land 7-01: Garage used in conjunction with commercial incentive improvements 7-16: Non-fireproof hotel or rooming house (apartment hotel) 7-17: One story retail, restaurant, or banquet hall, medical building, miscellaneous commercial use 7-22: Garage, public/service 7-23: Gasoline station, with/without bays, store 7-26: Commercial greenhouse 7-27: Theatres 7-28: Bank buildings 7-29: Motels 7-30: Supermarket 7-31: Shopping center (regional, community, neighborhood, promotional, specialty) 7-32: Bowling alley 7-33: Quonset huts and butler type buildings 7-35: Golf course 7-42: Commercial incentive land 7-43: Garage used in conjunction with commercial incentive improvements 7-45: Golf course 7-46: Non-fireproof hotel or rooming house (apartment hotel) 7-47: One story retail, rstrnt, or bnqt hall, med. blding, miscellaneous commercial use 7-48: Motels 7-52: Garage, public/service 7-53: Gasoline station, with/without bays, store 7-56: Commercial greenhouse 7-57: Theatres 7-58: Bank buildings 7-60: Supermarket 7-61: Shopping center (regional, community, neighborhood, promotional, specialty) 7-62: Bowling alley 7-64: Quonset huts and butler type buildings 7-65: Other minor improvements 7-67: Facilities (tennis, rqtball, hlth club), (nursing, retirement home), auto. dlrshp, comm. structure 7-72: Two or three story building containing part or all retail and/or commercial space 7-74: office building (One story, low rise, mid rise, high rise) 7-90: Other minor improvements 7-91: Office building (one story, low rise, mid rise, high rise) 7-92: Two or three story building containing part or all retail and/or commercial space 7-97: Facilities (tennis, rqtbll, hlth club), (nursing, rtrmnt home), auto dlrshp, comm. structure 7-98: Commercial/industrial-condominium units/garage 7-99: Commercial/industrial-condominium units/garage 8-01: Garage in conjunction with commercial incentive improvements 8-16: Non-fireproof hotel or rooming house (apartment hotel) 8-17: One story retail, restaurant, (banquet hall, fast food), medical, miscellaneous commercial use 8-22: Garage (public/service) 8-23: Gasoline station with/without bay, store 8-26: Commercial greenhouse 8-27: Theatres 8-28: Bank building 8-29: Motels 8-30: Supermarket 8-31: Shopping center (regional, community, neighborhood, promotional, specialty) 8-32: Bowling alley 8-33: Quonset huts and butler type buildings 8-35: Golf course 8-50: Industrial incentive land 8-80: Other industrial minor improvements 8-81: Garage used in conjunction with industrial incentive improvements 8-83: Quonset huts and butler type buildings 8-87: Special industrial improvements 8-89: Industrial condominium units 8-90: Other minor improvements 8-91: Office building, (One story, low rise, midrise, high rise) 8-92: Two or three story building containing part or all retail and/or commercial space 8-93: Industrial buildings 8-97: Facilities, (tennis, rqtball, hlth club), (nursing, retirement home), auto. dlrshp, misc. comm. structure 8-99: Commercial/industrial condominium units/Garage 9-00: Land used in conjunction with incentive rental apartments 9-01: Garage used in conjunction with incentive rental apartments 9-13: 2 or 3 story bldng, 7 or more units, sngle devel., 1 or more contig. parcels, in common ownership 9-14: 2 or 3 story non-freprf crt and corridor apts or california type apts, no corridors, ex. entrance 9-15: 2 or 3 story non-frprf corridor apts, or california type apts, interior entrance 9-18: 2 or 3 story frame stores, with apts above (must be split coded with another class) 9-19: 2 or 3 story old style store, with apts above (must be split coded with another class) 9-20: 2 or 3 story modern inside store with apts above (must be split coded with another class) 9-21: Corner store, office with apartments above (must be split coded with another class) 9-59: Rental condo unts in a sing. dvlp. of 1 or more contiprcls w/ 7 or more rent units, commn ownrshp 9-90: Other minor improvements 9-91: Apartment buildings over three stories 9-96: Rental mdrn row houses, 7 or more unts in a sing. dvlpment or 1 or more contig. prcls in comm. ownrshp 9-97: Special rental improvements If you wish to obtain information on a specific residential property but you do not know the PIN, simply enter the address in the "Search by Address" function. It should be noted that due to the transitory nature of addresses, our address file might contain errors or omissions. If you experience difficulties, please call the Cook County Assessors Office Taxpayer Information Department at 312-443-7550. When entering the street name of your desired property, to aid in your search, please do not enter the street suffix, such as St., Dr., Ave., etc. You will then need to enter the city name in the box on the third line of the section. Please note that you do not need to select a class to conduct a search.Once the required fields of information are entered, click once on the "Search by Address" button to submit your search. This will bring up a page with your desired PIN, corresponding address, city, neighborhood, class code, township, age, description of class code, assessed value, and a description of the propertys characteristics. To compare your propertys assessed value to other similar properties on your block or in your neighborhood, you may enter a range of addresses on the search page. For example, you may enter 400 500 N Main in Chicago. This may be useful if you are considering an appeal based on lack of uniformity. View Instructions Close Instructions Search by Neighborhood: Township: <SELECT> Barrington Berwyn Bloom Bremen Calumet Cicero Elk Grove Evanston Hanover Hyde Park Jefferson Lake Lake View Lemont Leyden Lyons Maine New Trier Niles North Chicago Northfield Norwood Park Oak Park Orland Palatine Palos Proviso Rich River Forest Riverside Rogers Park Schaumburg South Chicago Stickney Thornton West Chicago Wheeling Worth To search by neighborhood, simply use the drop-down box under the "Search by Neighborhood" section to select your township. If you do not know what township you are in, please check your "Notice of Proposed Assessed Valuation" or your tax bill. Once you have selected your township, click once on the "Search by Neighborhood" button. This will bring you to a page with a drop-down box with a list of neighborhood codes. If you do not know your neighborhood code, simply check your "Notice of Proposed Assessed Valuation" or click on the highlighted "Show Me Borders" for a listing of each neighborhood code and its street boundaries.Once you have selected your neighborhood code click once on the "Search by Neighborhood" button and you will see multiple pages of properties. If you wish to refine your search for similar properties click on the "Choose Class" drop-down box and select a specific class of property. This function is useful when comparing assessed value, although it is still important to look at each individual propertys characteristics. Properties in the same class with like characteristics are considered "comparables" and can be used in a residential appeal. View Instructions Close Instructions The most current assessment information will only be available for properties in triennial reassessment townships that have been mailed their "Notice of Proposed Assessed Valuation." For a listing of available townships and mailing dates click here. Please read the following instructions for information on how to best conduct an assessment search for non-residential property. Search Help : If you are having difficulty finding a property or wish to expand your search, try entering less information. For instance, in the "Search by Address" function leave the direction box blank, or only enter the first few letters of the street or city. In the "Search by PIN" function, if you enter only the first seven numbers of your PIN (i.eif your index number is 01-01-123-456-0000, and you only insert 01-01-123) this will expand your search to include all the properties that share those seven digits in ascending PIN order. This will widen the parameters for the database and improve the possibility that a record is found. Cook County Assessor's Office (Main) County Building, Third Floor 118 North Clark Street, Chicago, IL 60602 (312) 443-7550 2003- 2004 Cook County Assessors Office All rights reserved Disclaimer. Comments,Questions or Suggestions : Contact Us

Colorado Real Estate brokers

Telluride Colorado Real Estate - Luxury Resort Homes, Condos, Rentals and Ranches | Ski and Golf Telluride Real Estate Local Telluride Real Estate Brokers showcase the area's largest selection of real estate in Telluride .Featuring Telluride Colorado buyer's agencies, a pristine selection of Ranches in Colorado , Slope Side Condos , Telluride Luxury Homes and more... Telluride awaits! This is your chance to own real estate in Telluride Colorado. Tired of the crowds at Vail and Aspen then try Telluride, Colorado's premiere vacation and resort real estate. " Our Collection ", of Estate Homes, Slope Side Condos, Western Ranches, and Sprawling Land Parcels, represents an investment opportunity in a market where demand is steady and land values continue to increase. Inside you will find some of the most exclusive Telluride Properties: Homes, Ranches, Land and Condosall available in Telluride. The telluride real estate developers, builders and architects in Telluride Colorado and Mountain Village are as committed to environmental stewardship as they are to creating a unique Telluride. Condos and Homes, Skiing and Golfing, a community with privacy and luxury unequalled in other Colorado mountain towns. Enjoy all that the Telluride Ski and Telluride Golf resort has to offer. Whether you dream of a luxury weekend retreat, a seasonal home, or the ultimate retirement investment, there will never be a better time then now to secure one of these exclusive properties in Telluride. Real Estate brokers with over twenty five years of Telluride Real Estate experience are waiting to assist you. Come to where your style of living is confined only by your imagination. Virtual Tours Town of Telluride, Mountain Village, Telluride's Town Park, and more TellurideVideos Bikini Slalom, Gold Hill, Palymara, San Miguel River Skiing Magazines TOP 10 Ski Resorts "Telluride Ski and Golf Club", is one of the most exclusive, golf and skiing communities you will ever find. Vacation or live in the Telluride Colorado region - possibilities include ranching opportunities, commercial endeavors and luxury five 5 star accommodations at the Telluride ski resort area and Real Estate market in Telluride Colorado.Featured Colorado Real Estate brokers offer: ranch property, real estate properties, builders advice, condo rentals, houses, homes,buyer's broker agency, long term property rentals. Telluride Properties Telluride Condos Telluride Land Luxury Homes Telluride Ranches Telluride Rentals Telluride Brokers Speciality Properties Ski Real Estate Golf Real Estate Resort Real Estate Park City Real Estate Deer Valley Heber Valley Texas Real Estate Features Virtual Tours Telluride Videos Telluride Builders Telluride Architects Real Estate Partners List your Properties Contact Us Add Resource Site Map HOME Preferred Partners San Diego Real Estate Telluride Real Estate Vacation Rentals Las Vegas Centennial Resource for Real Estate from Marketing Tool Sponsored by: Telluride Magazine - Telluride Real Estate - Telluride Visitor Guide Your #1 source for Ski and Golf Real Estate 2005 Park City Web Design - All rights reserved.

Home Loan Calculator -

National Bank: Home Loan Calculators Day to Day Home Loans - Home Loan Interest Rates - What Are You Borrowing For? - Home Loan Calculator - Which Home Loan is Best For Me? - Thoroughbred Fixed Home Loan - Thoroughbred Floating Home Loan - Thoroughbred Flexible Home Loan - Useful Home Buying Information - Frequently Asked Questions - How to Apply Personal Loans Credit Cards Investments Insurance Retirement Savings Travel Products Private Banking Home Loan Calculators Here's an easy way to get an idea of some of the financial figures you may need when buying a home. Please note that this calculator is designed to give ageneral indication in relation to owner occupied homes only. For homeloans relating to other types of properties (for example, investmentproperties or apartments) call us on 0800 185 185, send an e-mail orcontact a Mobile Mortgage Manager . Enter the relevant information to: Work out how much you could potentially borrow Work out what the repayments may be Work out if you can afford it Renting? Work out how much you could potentially borrow if the amount you pay in rent was a home loan repayment. Please note that the figures the calculatorsprovide are estimates only. You will need to provide moreinformation when applying for a Home Loan. In addition, the propertyyou are purchasing will need to be approved by the Bank to ensure it will provideadequate security for your home loan. You've got the figures, where do you go next? Check out a Thoroughbred Fixed , Floating or Flexible Home Loan. You can also view our current Home Lending Rates . To see how repayments for a home loan will affect your budget, check the Budget Planner . You'll find plenty of handy hints on our Tips for buying a home page. And for a great selection of house listings throughout New Zealand, check out RealENZ and Open2view . Achieving your deposit If you find you need to save more for your deposit, the Savings Calculator will help you set up a plan and work out how long you'll take to reach your goal. FirstHome options may also be available for customers with a small or no deposit. Please note that eligibility criteria apply for FirstHome options. Moving here from overseas Thinking of immigrating to New Zealand? Check out the Moving to New Zealand section for information on applying for National Bank accounts and Home Loans. Applying for a loan Find out How to apply for a Thoroughbred Home Loan, apply online , or download an application form , or contact us: call 0800 185 185 to talk to a lending specialist call a Mobile Mortgage Manager near you e-mail for enquiries or feedback visit your nearest branch call from overseas on +64 4 462 1615 or find the overseas freephone for your country Work out how much you could potentially borrow This calculator requires JavaScript to run. Please adjust your browser settings. Income Your gross income (before tax) $ annually monthly fortnightly weekly If joint application, gross income for other applicant $ annually monthly fortnightly weekly Total income $ Commitments (not including home loan) Child support $ annually monthly fortnightly weekly Hire purchase $ Credit cards (limits) $ Overdrafts $ Student loan (first applicant) $ Student loan (second applicant) $ Other loans $ Percentage to be borrowed 80% 90% 95% $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . Work out what the repayments may be This calculator requires JavaScript to run. Please adjust your browser settings. Loan amount $ Term years Payment frequency Monthly Fortnightly Weekly Interest rate % $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . Work out if you may be able to afford a particular property This calculator requires JavaScript to run. Please adjust your browser settings. Income Your gross income (before tax) $ annually monthly fortnightly weekly If joint application, gross income for other applicant $ annually monthly fortnightly weekly Total income $ Commitments (not including home loan) Child support $ annually monthly fortnightly weekly Hire purchase $ Credit cards (limits) $ Overdrafts $ Student loan (first applicant) $ Student loan (second applicant) $ Other loans $ Cost of property $ Your deposit $ Term $ years Payment frequency $ Monthly Fortnightly Weekly $ $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . Renting? Work out how much you could potentially borrow if the amount you pay in rent was a home loan repayment. This calculation converts your rent payment into a home loan repayment. If you feel you could afford more, then include any regular savings that could go towards a home loan repayment to find out how much you may be able to borrow. This calculator requires JavaScript to run. Please adjustyour browser settings. Your current rent payment $ Rent payment frequency weekly fortnightly monthly annually Percentage of the purchase price to be borrowed 80% 90% 95% In some instances The National Bank may be able to lend up to 95% of the current purchase price or recent valuation from a registered valuer, whichever is lower. $ $ This is based on deposits of 20%, 10%, or 5% of the current purchase price or recent valuation from a registered valuer, whichever is lower. It is also based on a table loan over 25 years. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. $ This calculator is intended to provide an indication only and is not an offer of finance by The National Bank . All National Bank Home Loans are subject to the Bank's lending criteria, applicable fees and interest rates, all of which are subject to change. The National Bank requires a minimum of 5% of the purchase price, but FirstHome options may be available for customers with a small or no deposit. Please note that eligibility criteria apply to FirstHome options. All calculations relate to lending forowner occupied properties (which are subject to Bank approval as providingadequate security for the loan) and are based on a table repayment option. For full details or to apply for a Home Loan, call us on 0800 185 185 , send an e-mail or contact a Mobile Mortgage Manager . ©2005 The National Bank of New Zealand, part of ANZ National Bank Limited ( Terms of Access )

New Home

SPSS, Data Mining, Statistical Analysis Software, Predictive Analysis, Predictive Analytics, Decision Support Systems [ Skip Global Navigation ] Search Home Software and Solutions Customers Training Services Store Support Partners News Events About SPSS Welcome to SPSS.com. Click here to login or register on SPSS.com. Regional Web Sites Argentina Australia Austria Belgium Brazil Canada Czech Republic China Denmark Finland France Germany Greece Hungary Ireland Israel Italy Japan Lithuania Mexico Netherlands Norway Poland Portugal Russia Slovenia South Africa Spain Sweden Switzerland Turkey United Kingdom United States Enabling the Predictive Enterprise Is your organization a Predictive Enterprise? Companies that use predictive analytics experience a significant return on their investment. Learn more about the ROI that SPSS predictive analytics solutions deliver. Find out why SPSS is uniquely qualified to help your organization become a Predictive Enterprise. After modeling with Predictive Marketing, we were able to reduce our costs by 30 percent. View other customer success stories . Business Solutions Marketing Effectiveness Fraud Detection and Prevention Risk Management Operational Improvement -- Market Research Public Health and Safety Administration and Institutional Research Scientific Research Technologies Business Intelligence for the iSeries Data Mining Predictive Analytics Statistics Structural Equation Modeling (SEM) Survey Research Text Mining Web Analytics Solutions for Your Industry Education Financial Services Government Insurance Market Research Retail Telecommunications All products Papers and Demos Evaluate SPSS for Windows statistical analysis software More papers and demos News Australia's Direct Mail Provider Virid Achieves 200 Percent Campaign Profitability with SPSS Software Read More | Press Releases | News Room | Press Contacts Events Online Seminar: ShowCase Virtual User Group: "Microsoft Excel Add-ins for Essbase", January 26, U.S. Register today | More Events New! SPSS 14.0 Discover the powerful new features of the most recent version of SPSS. Learn more! SPSS Directions User Event Now on two continents! Get more information about Directions 2006 ! New! ShowCase Suite 7.0 New ways to manage your business using flexible analytics and information delivery ! Investor Relations | Worldwide Offices | Site Map | Contact Us | Terms and Conditions | Privacy Policy © 2005 SPSS Inc. All rights reserved. SPSS Inc. Headquarters, 233 S. Wacker Drive, 11th floor Chicago, Illinois 60606