Real Estate Brokers and

Real estate brokers and sales agents Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov Search the Handbook BLS Home | OOH Home | Frequently Asked Questions | A-Z Index | Contact Us Printer-friendly version ( HTML ) -- PDF ) -- 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 Occupations: Management | Professional | Service | Sales | Administrative | Farming | Construction | Installation | Production | Transportation | Armed Forces Related Links: Tomorrow's Jobs | OOH Reprints | Important Info | How to Order a Copy | Teacher's Guide to OOH Additional Links: Career Guide to Industries | Career articles from the OOQ | Employment Projections | Publications Home | BLS Home Back to Top www.dol.gov Frequently Asked Questions | Freedom of Information Act | Customer Survey Privacy & Security Statement | Linking to Our Site | Accessibility U.S. Bureau of Labor Statistics Office of Occupational Statistics and Employment Projections Suite 2135 2 Massachusetts Avenue, NE Washington, DC 20212-0001 URL: http://www.bls.gov/OCO/ Phone: (202) 691-5700 Fax: (202) 691-5745 Do you have a question about the Occupational Outlook Handbook ? Technical (web) questions: webmaster@bls.gov Other comments: feedback@bls.gov Occupations: Management Professional Service Sales Administrative Farming Construction Installation Production Transportation Armed Forces Related Links: Tomorrow's Jobs OOH Reprints Important Info How to Order a Copy Teacher's Guide to OOH Additional Links: Career Guide to Industries Career articles from the OOQ Employment Projections Publications Home BLS Home

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Malin Space Science Systems Home Page Malin Space Science Systems designs, develops, operates, and conducts scientific research with instruments that fly on robotic spacecraft. Mars Global Surveyor MOC Picture of the Day Ascraeus Depression 29 December 2005 Mars Reconnaissance Orbiter CTX Star Calibration Southern Cross 27 December 2005 Jewel Box 27 December 2005 Mars Reconnaissance Orbiter First MARCI Picture MARCI Views Earth 19 August 2005 Mars Images at Malin Space Science Systems 8 Years at Mars—09/20/05 -- MPL Not Found—10/17/05 -- Opportunity Rover—10/24/05 Mars Global Surveyor (launch: 1996; status: active, orbiting Mars) Mars Orbiter Camera (MOC) MOC Public Target Request Site Recent Public Images Received MOC Gallery - Over 196,000 Images Phoenix Mars Lander (launch: August 2007) Mars Descent Imager (MARDI) Other MSSS Projects Lunar Reconnaissance Orbiter Camera Mars Semi-Autonomous Rover Investigation JunoCam Jupiter Mission Camera Mars Exploration Rovers Mars Odyssey THEMIS Mars Global Surveyor TES Past MSSS Projects Mars Reconnaissance Orbiter (launch: 2005; status: cruising to Mars) Mars Color Imager (MARCI) Context Imager (CTX) Mars Science Laboratory (launch: 2009) Mast Camera (MastCam) Mars Hand Lens Imager (MAHLI) Mars Descent Imager (MARDI) Other MSSS Information About Malin Space Science Systems MSSS Cameras/Product Line Education and Public Outreach MSSS Press Releases Employment Opportunities — new 08/22/05 © 2005 by Malin Space Science Systems, Inc., San Diego, California, U.S.A.

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Union Home Loan, Inc. Lender details Union Home Loan, Inc. Lender details Banks Directory Lenders Directory Articles About Credit Cards Credit Basics and FAQs Credit Card Tips Glossary NCUA Credit Union Directory • 2005 Credit Union Directory • 2004 Credit Union Directory Household Finance • Consumer Credit Report Calculators • Loan Calculator • Extra Repayments Calculator • Lump Sum Payment Calculator • Rent Vs. Buy Calculator • Simple Loan Calculator Rules & Acts • Consumer Leasing Act • Credit Repair Organizations Act • Electronic Fund Transfer Act • Equal Credit Opportunity Act • Identity Theft Act Home » Lenders Directory » Union Home Loan, Inc. Lenders Directory Browse by Alphabets A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Union Home Loan, Inc. offers home loans, commercial real estate loans, and asset-based loans using mortgage notes or trust deeds as collateral. Home Loans Overview: Union Home Loan, Inc. offers home loans and home equity loans, for purchase, refinance, debt consolidation, and home improvement. Property Uses: Primary Home, Secondary / Vacation Home, Investment Property Property Types: Single Family Home, Condominium / Town Home, Multifamily 2-4 Units, Rural property / Lot loan Loan Types: Fixed, No Income Documentation Loan Purpose: Purchase, Refinance, Home Equity / 2nd Trust Deed Credit Req: A - Excellent, B - Good, C - Minor Problems, D - Bad Min Loan: 250,000 Max Loan: 1,000,000 Commercial Loans Overview: Union Home Loan, Inc. offers commercial real estate loans to investors and owner-users for most commercial properties. Property Uses: Investment, Owner - User / Occupied 51% or more Property Types: Agricultural / Farm, Amusement Park, Apartment / Multifamily, Auto Dealership, Bowling Center, Business Condo, Car Wash, Casino, Child Care Center, Church / Temple, Convenience Store, Condominiums / PUD, Factory Outlet Center, Fitness Center, Funeral Home, Gas Station / CStore, Golf Course, Healthcare / Senior Housing, Hospital / Rehabilitation, Hotel / Motel, Industrial, Land, Marina, Office, Mixeduse, Mobile Home Park, Movie Theater, Parking Garage, Regional Mall, Resort, Restaurant, Retail (Anchored), Retail (Unanchored), School / College, Self Storage, Single Tenant, Special Purpose, Warehouse Loan Types: Mezzanine / 2nd Trust Deed, NonRecourse, Private / Hard money Loan Purpose: Purchase, Refinance, Bridge / Short Term Credit Req: A - Excellent, B - Good, C - Minor Problems, D - Bad Min Loan: 1,000,000 Max Loan: 5,000,000 Miscellaneous Loans Overview: Union Home Loan, Inc. offers asset-based collateral loans against mortgage notes and trust deeds for personal or business use. Collateral Offered: Mortgage Notes / Trust Deeds Credit Req: All Min Loan: 10,000 Max Loan: 500,000 Contact Information North America, United States, California Steve Goldfield President 23586 Calabasas Road Calabasas, CA 91302 USA (818) 223-0000 www.unionhomeloan.com Email: steve@unionhomeloan.com Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans North America, United States, California Residential Loans Customer Service 1-800-400-0011 www.unionhomeloan.com Email: info@unionhomeloan.com Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans North America, United States, California Miscellaneous Customer Service 818-223-0000 www.unionhomeloan.com Email: info@unionhomeloan.com Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans North America, United States, Nevada Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans Union Home Loan, Inc. Union Home Loan, Inc. offers home loans, home equity loans, home improvement loans, refinancing, second mortgages, debt consolidation loans, bad credit loans, commercial real estate loans, and asset-based collateral loans. At Union Home Loan, Inc. we offer home loans, commercial real estate loans, and asset-based loans using mortgage notes or trust deeds as collateral. We arrange loans for commercial, land, mixed use, residential, apartment, industrial, casinos, hotels, and unusual properties. We are a direct lender as well as private money brokers. With Union Home Loan, Inc., it's easy to qualify on equity and a hard money loan for commercial, industrial, homes, land, and unusual properties. We do hard money loans, real estate financing, hard money commercial loans, land loans, commercial mortgage, hard money land loans, trust deed investments, private money, raw land loan, apartment loan, private investor, easy money, casino, mixed use loans, equity loan, union home loan, California mortgages, unusual properties, easy qualify, industrial, direct lender, bridge, swing loans, mortgage broker, foreclosure, and mixed use lenders. For hard money loans for commercial, industrial, homes, land, and unusual properties-bad credit is okay. With Union Home, you can be sure that you'll get your money fast, we also lend in Nevada. Copyroght 2005 - All Rights Reserved Home | Calculators | Articles | Lender Directory

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Real estate agent business plan PlanMagic Business Trend setting real estate agent business plan software by PlanMagic Corporation . PlanMagic Business Plan software is ideal for real estate agency, real estate agent services, apartment brokers, real estate agents, realtors, real estate brokers, real estate agencies, and all individuals who are interested in learning real estate agent business plan writing or writing an real estate agent business plan. Minimum requirements: A personal computer with MS Windows 98/NT/Me/2000/XP/2003 and MS Office 97/2000/XP/2003+. "Thank you for creating this software!! It is absolutely amazing." More testimonials If you have a business related to real estate agent business plan writing, you may want to know about our reseller opportunities. Read more! Some examples of use: Advertising agency business plan Bank business plan Bar business plan Beauty salon business plan Bowling center business plan Business consultant business plan Call center business plan Car rental business plan Car wash business plan Casino business plan Catering business plan Cleaning service business plan Clinic business plan Coffee shop business plan Consultant business plan Day care center business plan Debt collection business plan Farm business plan Fitness center business plan Health spa business plan Insurance broker business plan Lease company business plan Manufacturer business plan Non profit business plan Pharmacy business plan Record company business plan Real estate agent business plan Retail business plan Services business plan Supermarket business plan Travel agency business plan and many more .. 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Available in the following languages: English (v9.0) Espaol (v5.3) Russian (v5.3) Italian (v5.1) Nederlands (v4.5) Available sales tax systems : USA, EU VAT, GST/HST, other In/Out sales tax systems. Available currencies: $, , and any currency. COMPREHENSIVE BUSINESS PLAN GUIDE It's a complete business plan guide in HTML format. The guide covers subjects such as organizational structure, financing (owners' equity, foreign capital), marketing (market analysis, business goals, marketing strategies, advertising), real estate agent operations (real estate agent identity, real estate agent location), business financials (projections, historic analysis, ratios) and more. The 'Details' button opens/closes an overview of each subject contained in the business guide. PlanMagic Business Plan Guide The introduction - How to use - The introduction - Marketing - Historic analysis - Financing - Organizational structure - Financial projections - Hint & tips Marketing - The product mix - Analysis current product mix - Competitive research - Market analysis - Marketing goals - Marketing strategies - Advertising & promotion - Pricing and costing - Sales management - Distribution & service Historic analysis - General view - The market position - Balance sheet - Income statement - SWOT analysis Financing - Assumptions - Capital - Return on investment - Ratios - Loan capacity - Investment budget Organization - Management - Staff - Personnel analysis & expenditures - Administrative organization Financial projections - Sales projections - Expense statement - Income statement - The balance sheet - The cashflow projection - The charts - The time table Hints & tips - General tips - Company formation - Choosing a bank - Choosing a location - Choosing an accountant - Preparing a presentation REAL ESTATE AGENT BUSINESS PLAN TEMPLATE The preferred format (for investors, SBA, banks, angel investors) business plan templates in DOC (MS Word) format. 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PlanMagic Real Estate Agent Business Plan Template Table of Contents (automated) Introduction - Business description - Business formation - Directors - Management team - Business goals/mission - Business philosophies/identity - Geographical markets - Vision of the future Executive summary - Main objectives - Sales summary - Strategic positioning - Strategic alliances - Licenses - Key advantages - Funds required Marketing - The product mix - Sales estimates - Competitive research - Market analysis - Marketing goals & strategies - Pricing policy - Advertising & promotion - Sales management - SWOT analysis Historic analysis - General view - The market position - Income statement historic - Balance sheet historic The organizational structure - Management and personnel - Administrative organization - Contingency planning Real estate agent operations - Real estate agent identity - Real estate agent location - Real estate agent premises - Real estate agent layout Financial plan - The investment budget - Statistical data (ratios) - The return on investment - Financial projections Risk management - Risk reduction - Exit strategy Appendices - Personal income statement - Other FULLY AUTOMATED BUSINESS FINANCIALS Trend setting financial workbook in XLS (MS Excel) format that leaves the competition far behind. You will not find a better solution as detailed! Enter some main assumptions, decide how many product lines and products you need, name them once, and start entering your financial data into the clearly marked cells. Use it for a business plan or for ongoing monitoring of your business. If you have purchased the Advanced Edition you can also perform a thorough, ongoing financial analysis of your business at anytime. PlanMagic Business 9.0 Financial Plan Workbook The Ultimate in Modern Business Financials - A product generator for up to 10 product lines and unlimited products per product line - Assumptions (general, formation, financial, inventory, loans, tax, products) - Loans & amortization schedule - short term, long term, deferred loans (5 years) - Investment budget - incl. startup cost calculator for startups (5 years) - Depreciation schedule straight line method - Beginning balance sheet - Balance sheet historic (3 years) - Income statement historic (3 years) - Personnel plan monthly & quarterly (3 years) - Personnel plan annual with detailed headcount summary (5 years) - Sales estimates & cost of goods (3 years) - Sales projections monthly & quarterly (3 years) - Sales projections annual (5 years) - Income statement (Profit & Loss) monthly & quarterly (3 years) - Income statement (Profit & Loss) annual (5 years) - Cashflow projection monthly & quarterly (3 years) - Cashflow projection annual (5 years) - Sales tax (VAT, GST/HST) account (non-US versions) - Balance sheet projection monthly (3 years) - Balance sheet projection annual (5 years) - Timeline - Personal financial statement (for sole proprietor/partnerships) BUSINESS ANALYSIS - Historic ratios (3 years) - Projected ratios including IRR/NPV for business valuation (3/5 years) - Loan capacity ratios (3/5 years) - Best case & Worst case scenarios (Sensitivity analysis) (5 years) - Annual summary matrix - beginning balance, income statement, cashflow, ending balance (5 years) PlanMagic Business AE 9.0 ( Advanced Edition ) further includes: - Additional assumptions (franchise, etc.) - Advertising & promotion plan detailed (3 years) - Advertising & promotion plan annual (5 years) - Detailed break-even analysis per product line - Annual dynamic sensitivity analysis (best/worst case scenarios) (5 years) - Comparison analysis - personnel, sales, advertising, income, cashflow, balance sheet (5 years) - Annual ROA/ROE dynamic analysis tree (5 years) - Exchange rate multiplier SOME NEW 9.0 FEATURES Feature Benefit After the first year numbers are automated based on averages or increase %. Provides fast results by eliminating unnecessary manual input. New improved detailed income statement. Categorized expenses and extra rows can be added. New improved 1-2-3 personnel plan method. Entry as simple as 1-2-3, yet sophisticated for monthly and hourly wages. More than 40 automated charts. Gives you a quick overview when needed. Print Macro: to quickly print any selection of predefined print areas. Saves you time collecting data to be printed. Click and Go. Export Macro: to easily export multiple worksheets to a values only workbook. Handy for conferencing. The PlanMagic Product Generator PlanMagic Business is the only business plan software with product line and number of products generator (up to 10 product lines with unlimited number of products per product line). The generator creates or deletes product lines and products as selected, even with existing data in the financial workbook. EASY TO USE BUSINESS PLAN PRESENTATION TEMPLATE Easy to complete presentation template (> 50 slides) in PPT (MS PowerPoint) format. You can copy text from the document templates, link to tables in the document template, or link to worksheet data in the financial workbook. The template contains the same chapters and subchapters as the real estate agent business plan template. Why PlanMagic Business 9.0! Need even more reasons why you should use PlanMagicBusiness 9.0? use of simple and understandable terms incredibly versatile ( seesome usage options ) and fast automated financial projections made easy and yet so complete automatic calculation of depreciation, loan payments, accounts receivable/payable, inventory, dividends, company tax, sales tax, payroll burden and more product line and number of products generator (unique, yet indispensable!) the most professional printed results the most comprehensive business plan guide ( AE includes a web marketing guide ) automated financials are available in $, , and any currencysign business financial printouts are preformatted in Letter, Legalor A4 print size business financials include automated sales tax/VAT/GST calculations updates are FREE for twelve months real estate agent business plan template the competitive price of $84.95 "Congratulations for the best business plan solution I've found on the market. Your financials are awesome!" More testimonials No one has made it easier for you to write the contents of the real estate agent business plan, offers the same high quality printed result, offers the same level of financial automation (use it to monitor your business throughout the years), offers a complete business plan guide, as well as professional presentation templates. Why do it yourself? Because no one knows or cares about your business like YOU do! Can you afford (not) to get the best available software to get the job done professionally and fast? Minimum requirements PlanMagic Business 9.0: a personal computer with MS Windows 98/NT/ME/2000/XP+, a Java enabled browser, MS Office 97/2000/XP/2003+. Optional MS PowerPoint 97/2000/XP/2003+. Delivery: via Electronic Download (~3Mb). CD is shipped within 3 business days via Registered Priority Airmail. ONLINE ORDERING PlanMagic Business $84.95 Download PlanMagic Business $99.95 Download & CD-ROM Advanced Edition PlanMagic Business AE $174.95 Download Popular combinations PlanMagic Business + Marketing $154.95 Download PlanMagic Business + Marketing $169.95 Download & CD-ROM PLANMAGIC BUSINESS REAL ESTATE AGENT BUSINESS PLAN SOFTWARE THAT MEANS BUSINESS