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2 14 REALTOR Benefits® Program

Offers & DiscOunts fOr reALtOrs®

CATALOG

Gain a Competitive EDGE

SAVE TIME & MOnEY

GROWYour Business

www.REALTOR.org/RealtorBenefits

personal InsuranceWhat: Protect your most valuable assets and your peace of mind by taking advantage of special savings from NAR’s exclusive home, auto and renters insurance provider. Liberty Mutual offers personalized coverage, multipolicy discounts, 24-hour claims assistance and much more. Discounts and savings are available where state laws and regulations allow, and may vary by state*. How: libertymutual.com/NAR 1-800-733-7830*To the extent permitted by law, applicants are individually underwritten; not all applications may qualify.

Office Supplies and Services

Shipping:

What: Save more when you ship with FedEx, NAR’s exclusive shipping services provider. Create a new account or update your existing account for savings of up to 26% on overnight shipping; 12% on select ground shipping; and up to 20% on select International shipping. Enrollment is free and there are no minimum requirements. Limitations and exclusions apply. See website for full program details.How: fedex.com/NAR 1-866-869-1171 PASSCODE LCRS8p01

print and Copy: What: With FedEx Office, NAR members can save up to 20% off core print and copy services, and up to 10% off signs, banners and more. Whether you need to print brochures for Sunday’s open house or wow potential clients with your listing presentation, FedEx Office offers the quality printing you need. Limitations and exclusions apply. See website for full program details.How: fedex.com/NAR 1-866-869-1171 PASSCODE LCRS8p01

WORKPLACE

What: Reduced pricing on over 25,000 items, including free delivery and no order minimums. You can shop online, through the commercial catalog, or by visiting OfficeMax locations nationwide. Discounts also apply for OfficeMax Print and Document Services, the print division located within OfficeMax stores. Sign up today to start saving and to request your Digital Retail Connect Card (for shopping in OfficeMax stores).How: REALTOR.org/OfficeMax

Designed with you in mind, the REALTOR BENEFITS® pROGRAM is your official member benefits resource, bringing you discounts and special offers on products and services just for REALTORS®. Since Program Partners are carefully selected, you can be assured they understand the unique needs of real estate professionals and are committed to your success. Whether for your professional or personal needs, make www.REALTOR.org/RealtorBenefits the first place you stop when you shop.

Call 1-800-NAR-5233 for live REALTOR Benefits® Program support**Available Monday – Friday, 8:30 a.m. – 5:00 p.m., Central

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NEW! REALTORS® Health Insurance Marketplace

What: An easy-to-use one-stop shopping site designed to help NAR members obtain health insurance that meets the mandates of the Affordable Care Act. NAR members have exclusive access to both a private health insurance exchange, featuring ACA compliant insurance plans from top-rated carriers, and public health insurance exchanges. An additional program feature is access to consultative services by licensed benefit representatives from NAR’s trusted health care partner, SASid. Representatives are available to help you navigate the exchanges, understand your options and enroll in a plan, whether public or private, that best meets your needs. How: RealtorsInsuranceMarketplace.com 1-877-267-3752*Some states have mandatory requirements, based on individual state laws, which call for variations in the form of the policy affecting the ability of providers to offer coverage in those states.

CURRENT OFFERING:

What: A members-only health insurance exchange providing a robust selection of individual health insurance plans from nationally recognized and top-rated insurance carriers. Terms, conditions and limitations apply based on state insurance laws*, individual eligibility and age requirements. See website for full details.Plans available on the exchange include: • HMO health plans • High Deductible (Catastrophic) health plans• PPO health plans • Health Savings Account qualified health plansHow: RealtorsInsuranceMarketplace.com 1-877-267-3752*Some states have mandatory requirements, based on individual state laws, which call for variations in the form of the policy affecting the ability of providers to offer coverage in those states.

What: Designed to be an affordable short-term medical policy, which can last from 30 days to six months, SMART temporary health insurance provides quality coverage if you experience a gap between longer-term policies. See website for full details. Have your NRDS ID handy.How: RealtorsInsuranceMarketplace.com 1-877-267-3752

What: An affordable, guaranteed-acceptance, limited medical indemnity insurance plan. Offering NAR members aged 18 – 65 access to exclusive plans and rates that cover health care needs, including physician office visits, hospital stays, X-rays/lab work and more. There are no medical questions or exams, and next-day coverage is available (30-day waiting period for sickness).How: RealtorsInsuranceMarketplace.com 1-877-267-3752RCHI is not available in all states. 12/12 Pre-existing condition limitations may apply to hospital room and board and general nursing services, ICU/CCU, surgery and anesthesia related to surgery. Coverage provided for members aged 18 – 65 only. See website for full program details.

REALTORS®

What: National dental plans designed exclusively for NAR members and their families. There are four plans to choose from with options that include coverage for preventative, basic and major dental expenses with the dentist of your choice. Most plans include bonus benefits such as Orthodontia, professional whitening and more.How: www.RealtorsDentalInsurance.com 1-877-433-5845Limitations and exclusions apply. See website for full program details.

What: Save up to 60% on select generic prescriptions and up to 15% on select name brand prescriptions at over 60,000 pharmacies nationwide, including most major chains, with this FREE prescription drug card. Taking advantage of this offer is easy: no age limit, no income requirement, no waiting period, no pre-existing condition restrictions, and the card is available for immediate use upon signing up.How: www.DrugCardAmerica.com/NAR 1-877-267-3752

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Powered by SASid

Grow Your Business • Gain a Competitive Edge • Save Time and Money

REALTOR Benefits® Program

www.REALTOR.org/RealtorBenefitsIII

NAR StrategicInvestmentCompany

Indicates companies in which NAR has invested directly or through Second Century Ventures. This relationship allows the Association to nurture the technological advancement and continued success of the real estate industry.

Technology ServicesWhat: Enhance your branding and professional appearance with hosted email services from Rackspace. Rackspace offers a 10% NAR member discount off already affordable monthly service rates (as low as $1.80 per month for email) and a standard 14-day free trial on key hosted email services: Microsoft Exchange, Rackspace Email, Rackspace Archiving and Hosted SharePoint.How: www.rackspace.com/email-hosting/NAR 1-800-480-9514

PROMO CODE NAR2013NOTE: Rackspace email accounts with fewer than five mailboxes must be set up by phone to avoid the standard monthly minimum. Call Rackspace and reference NAR2013

What: The official lockbox solution of NAR delivers the industry’s most advanced technology at a competitive price.


Member-requested features such as property access logs, reliable wireless software and secure hardware help save you time and money, leading to faster sales. More than just a lockbox system, the easy-to-use SentriLock solution features the SentriCard® lockbox key and award-winning customer service.How: sentrilock.com 1-866-736-2322Contact your broker, State or Local Association for additional assistance. Compare lockbox features and view tutorials at sentrilock.com.

Electronics and Mobile Technology What: Receive up to 35% off on select consumer and business class electronics and accessories. Browse thousands of notebooks, desktops, servers and more while Dell’s dedicated sales team helps you choose the right technology to meet your needs. Maximize your savings by combining program discounts with monthly coupon code offers found online. Offer includes free U.S. ground shipping. How: dell.com/NAR 1-800-757-8442 MEMBER ID CS8569483

What: Receive special pricing on a variety of innovative business products and accessories including Elitebook laptops, ElitePad and convertible tablets, desktop PCs, multifunction printers and more. All HP Elite products come with HP Elite Premium Support, which is based in the U.S., and available 24 hours a day. Perform with confidence when you choose HP. All purchases include free U.S. ground shipping.How: hp.com/go/NAR1 1-800-888-8177 PROMO CODE NAR1

What: Save up to 25% on the entire product line from a global leader in the PC market. Shop Lenovo’s wide array of products, including the award-winning ThinkPad notebook, acclaimed IdeaPad multimedia notebook, innovative IdeaCentre and ThinkCentre desktops as well as a host of computing accessories. Free ground shipping is available on all Web orders. Visit Lenovo’s website to search for available eCoupons that can increase your savings.How: REALTOR.org/lenovo 1-800-426-7235, ext. 3887

What: Receive 18% off select wireless plans and 20% off select accessories. This offer is available to both new and existing Sprint customers when signing a new two-year agreement. Terms and conditions apply. Go green and save with the Sprint Buyback Program, which recycles or reuses your old phones and gives you a credit of up to $300 on your Sprint account. Some restrictions apply.How: REALTOR.org/Sprint 1-866-639-8354

PROMO CODE ASNAR_ZMB_ZZZ and your NRDS number

What: Receive preferred-level pricing on Xerox products and solutions. Get work done from anywhere on any device with Xerox® ConnectKey™ multifunction printers, offering fully integrated mobile, scanning and cloud-based solutions. Print directly from your tablet, smartphone or other mobile device. With Xerox, your office is always at your fingertips. How: Xerox.com/NAR 1-800-ask-XEROX, ext. NAR (1-800-275-9376, ext. 627) PROMO CODE 0706978

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Transaction Management

What: As NAR’s official and exclusive eSignature provider, NAR StrategicInvestmentCompany

DocuSign® offers the popular REALTOR®-branded eSignature solution in addition to the new virtual transaction room service bundle. DocuSign® solutions offer member-only pricing and are backed by industry-leading technology to help you grow and better manage your real estate business.How: DocuSign.com/NAR

What: Stay connected 24/7 throughout the entire transaction process. relay® provides a secure, convenient place to collaborate with clients, other agents and service providers, making it a breeze to keep all parties to a transaction informed. Created by zipLogix, relay® includes specialized features to assign access, personalize with your brand, save to CD for clients’ archives, plus one-click integration with zipForm® Plus. New users save $20 ( PROMO CODE N1189) and brokers save 10% ( PROMO CODE DB119). How: zipLogix.com/relay 1-800-383-9805

What: Create contracts efficiently and reduce risk with NAR StrategicInvestmentCompany

zipForm® Plus, the premier online form software solution. zipForm® Standard, the desktop solution, is also available and features all of the time-saving transaction creation features without the online functionality. zipForm® offers multiple integration solutions such as MLS-Connect, TMS integration and e-signature integration. New users save $20 off the full price ( PROMO CODE N1188) and brokers save 10% ( PROMO CODE DB118).How: zipLogix.com/zipform6 1-800-383-9805

Financial Services and Risk Management

What: Help prolong the life of your air conditioning/heating systems with an American Home Shield® Preventative Maintenance Plan. NAR members receive a $30 discount* on plans for their own home and for any other property they own. Additional savings available on new filters, parts and labor.How: ahsprevent.com/NAR 1-855-222-0741

PROMO CODE 0741NAR30*Pricing is different in Texas and Iowa

What: Serving your unique financial, credit and cash flow needs with exclusive rates, banking solutions and money management tips designed just for REALTORS®. The Credit Union offers both personal and business services such as checking and savings accounts, competitive home and auto loan rates, certificate investments, low rate professional development lines of credit for your certification courses and more. Additional benefits include access to over 5,100 Shared Branch Service Centers nationwide plus thousands of fee-free ATMs. The Credit Union is Federally Insured by the NCUA.How: REALTORSfcu.org 1-866-295-6038

What: Protect yourself from potential liability with Errors and Omissions Insurance. Products are available to firms and individual agents across a broad range of real estate specialties. Take advantage of premium credits, as allowed by state law, including credit for being an NAR member, holding select NAR designations, continuing education, and risk management program participation, among others. The program is provided through A rated insurer CNA (Continental Casualty) and is available in all 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands.How: schinnerer.com/NAR 1-888-429-6638

REALTOR Benefits® program

www.REALTOR.org/RealtorBenefitsV

Travel/AutomotiveWhat: Save up to 25% on every rental with Avis when you provide your NAR/Avis Worldwide Discount (AWD) #A009700 at time of reservation. Take advantage of Avis PreferredTM and go straight to your car with no waiting. This complimentary service allows you to keep your personal car rental preferences on file, and skip the rental counter and the paperwork every time you rent from Avis. Enrollment is free and easy.How: avis.com/NAR 1-800-525-7551 AWD CODE #AA009711

What: Save up to 20% on Budget rentals when you mention your NAR/Budget Corporate Discount (BCD) #Y490600 at the time of reservation. Save more by combining your member discount with coupon offers on Budget’s website.How: budget.com/NAR 1-800-826-3703 BCD CODE #Y490600

What: The official automobile manufacturer of the NATIONAL ASSOCIATION OF REALTORS® offers NAR members a $500 cash allowance on the purchase or lease of select new Chrysler Group vehicles. Pair this offer with other Chrysler incentives and special programs for greater savings. Additionally, when you provide current-year proof of membership at the time of purchase or lease, you will have access to two years of free oil changes for that vehicle. When combined, these savings equal the value of your NAR membership dues for more than six years!How: REALTOR.org/ChryslerGo to REALTOR.org/Chrysler PRIOR to visiting your local dealer for complete rules and instructions including eligible vehicles and incentive incompatibilities.

What: Save up to 25% on Hertz domestic and international rentals when you use your NAR discount CDP #182806 at the time of reservation. Take advantage of value-added promotional offers for maximum savings. Plus, as an NAR member, you will receive a 500-point activation bonus when you become a new Hertz Gold Plus Rewards® member and complete your first rental.How: hertz.com/NAR 1-800-654-2200 CDP CODE #182806

Marketing ResourcesWhat: Ifbyphone Inquire uses unique phone numbers to track the source of every inbound phone call. With real-time online reporting, Inquire helps you to understand precisely which ads are making your phone ring, enabling you to better allocate funds for advertising. Monthly contracts are available at exclusive member-only rates, including unlimited users and ad tracking for four lead sources. Risk-free trials are available.How: public.ifbyphone.com/NAR 1-877-350-7896

What: Build long-lasting client relationships with the Lowe’s Program for REALTORS®, a FREE marketing tool created exclusively for NAR members. Through this program, you can send valuable 10% off ecoupons to your buyer and seller clients, and you will also receive invitations to access exclusive limited-time offers for you and your clients. Plus, you can purchase Lowe’s gift cards, which make a great closing gift, at a 5% discount via LowesRealtorBenefits.comHow: LowesRealtorBenefits.com

the Multi MerchantPrepaid Card

What: Created with closing and thank you gifts in mind, this unique card gives recipients not just one, but over 150 popular places to shop, dine and have fun. It’s an exclusive for REALTORS® with a 5% savings and a Home Ownership Matters themed design.How: MultiMerchantCard.com 1-888-234-7411

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Indicates companies in which NAR has invested directly or through Second Century Ventures. This relationship allows the Association to nurture the technological advancement and continued success of the real estate industry.



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Marketing ResourcesWhat: Offering both REALTOR®-branded and customized promotional items, including lapel pins, bags, hats, shirts, decals, folders, jackets and “built to order” REALTOR® logo garments. Look to REALTOR Team Store® for all of your customized product needs. Save 10% off of your first order of $25 or more when you use the coupon code provided.How: RealtorTeamStore.com 1-847-991-4010

COUPON CODE 2014Benefits (use at checkout)

What: NAR’s exclusive provider of commercial real estate information services, providing fully researched commercial


real estate information at preferred pricing for NAR members. This data helps real estate professionals, appraisers, investors and developers in making strategic decisions to lease, sell and develop commercial properties in select U.S. markets. Xceligent also offers CommercialSearch — a national listing platform for commercial real estate properties.How: REALTOR.org/Xceligent 1-866-303-2895

Educational ToolsREALTOR® University, in partnership with the REALTOR Benefits® Program, offers discounts on select online courses that apply toward the following designations and certifications:

Accredited Buyer’s Representative Designationrebac.net/realtor_benefits.cfm

Broker price Opinion (BpO) Resource CertificationBpOR.org/discount

NAR’s e-pRO® Certificationepronar.com/realtor-benefits

NAR’s Green DesignationGreenREsourceCouncil.org/realtor_benefits.cfm

® Short Sales and Foreclosure Resource Certification realtorsfr.org/realtor_benefits

Seniors Real Estate Specialist® Designation seniorsrealestate.com/realtor_benefits.cfm

For more information on these designations and certifications, please see pages 10 and 11.

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titrust

Association Resources

Brokerage Resources

Commercial and Investment

Code of Ethics

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Diversity and Fair Housing

Home Buying/Selling

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Property Disclosure

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Staging

Technology

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SET YOURSELF ApARTThe real estate industry is always changing, so REALTORS® have to keep learning. The NATIONAL ASSOCIATION OF REALTORS® offers a wide array of resources and opportunities designed to give you the education you need, keep you current with best practices, and help you gain new expertise and specialized knowledge to compete in today’s real estate market.

This catalog features the most popular publications and products from NAR and well-known real estate authors in the REALTOR® Store. These resources offer you the latest information, top tips and emerging trends in real estate.

This catalog also features NAR and affiliate designations and certifications and online education, and a Master of Real Estate degree all from REALTOR® University.

products online at the REALTOR® StoreAccess all of the physical and eProducts, including those featured in this Product Showcase, at www.REALTOR.org/Store/G2014 for the resources you need to succeed!

Products with the icon are available in the REALTOR® Store as an eProduct.

A NEW REALTOR® Store is Under Construction Based on member feedback, we are making it even easier for you to shop and get the tools you need to

succeed with a completely new and streamlined shopping experience coming mid 2014!

Take Simple Actions, Earn Free Rewards with the MVp programNAR’s Member Value Plus (MVP) program introduces an easy way for you to get more from your membership, PLUS earn great free rewards. By completing simple actions that take only minutes, you get real rewards like free products, gift cards and discounts — available only to you as a member of NAR. New offers are available on the first and the sixteenth of every month. Visit REALTOR.org/MVp for the current offer and act now!

Customize Your Client Experience with print on DemandCustomize NAR’s most popular brochures with your contact information. Learn more at www.REALTOR.org/Store (10% off your next order with code CAT14).

Products with the icon are available as a Print on Demand product.

Designations and CertificationsGain specialized knowledge — and almost double your income* — by earning official designations and certifications offered from NAR and it’s affiliates. In the current market, there is no better time to add to your expertise to better assist prospects and clients. Many designations and certifications are also available online for continuing education credit through the REALTOR® University.

WITH KNOWLEDGE COMES pOWERIncrease your knowledge and invest in yourself at RealtorU.com. Look for the throughout this catalog identifying these courses and refer to page 9 in this catalog for more information on REALTOR® University.

* Based on 2013 survey data, the median income of REALTORS® without a designation was $33,500, and the median income of those with at least one designation was $61,100. The difference between the two is $27,600. This information is accurate as of May 2013.

Shop All products and eproducts at www.REALTOR.org/Store/G20141

Published by NAR Quantity pricing available Online course available through REALTOR® University

Available as an eProduct Available as a Print on Demand product

Shop All products and eproducts at www.REALTOR.org/Store/G2014 2

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Antitrust

Antitrust and Real Estate (DVD) Protect your business from the hazards of improper business practices in everyday business situations. Understand the elements of illegal agreements to fix prices, boycott competitors and more. Approx. 20 minutes.

Item #: 126-1089D (DVD)Members: $21.95Non-Members: $31.45

Antitrust pocket Guide for REALTORS® and REALTOR-ASSOCIATES® This brochure offers information and examples on how antitrust impacts current real estate practices. Also available in Association and Board Leadership version. Sold in packages of 5.

Item #: 126-1093 Item #: 126-1094Members: $24.25Non-Members: $34.95

Item #: e126-1093 Item #: e126-1094Members: $6.95

Association Resources

What Everyone Should Know About Equal Opportunity in Housing Fair housing law and party responsibilities are outlined in this brochure. Sold in packages of 100.

Item #: 166-799Members: $20.95Non-Members: $31.45

Item #: e166-799Members: $4.95Non-Members: $12.95Also available in Spanish.

Your Director Hat: A Guide to Serving as a Director on a BoardAn excellent resource for anyone thinking of becoming a member of a governing Board or starting service on a Board, or a sitting Board member who just wants a little more insight.


A pathway to professional Conduct: Respect Starts Here A companion piece to the Pathway to Professional Conduct video, this brochure includes tips for showing respect for property, the public and your peers. Sold in packages of 100.

Item #: 135-85 Members: $39.95Non-Members: $49.95

Brokerage Resources

UPDATED! It pays to Work with a REALTOR® This brochure outlines key differences between a REALTOR® and a licensee, benefits that REALTORS® provide and how REALTOR® designations benefit consumers. Sold in packages of 100.


Item #: e135-30Members: $6.95Non-Members: $12.95Also available in Spanish and Portuguese.

power Teams: The Complete Guide to Building and Managing a Winning Real Estate Agent TeamA step-by-step guide to forming an agent team, and the best practices of teams who have already reached a notable level of success.

Item #: 141-300$24.95

UPDATED! Why Rent When You Can Buy? This brochure outlines the financial benefits of owning a home, including mortgage interest, property tax deductions and mortgage principal accumulation. Sold in packages of 100.


Item #: e186-90 Members: $6.95Also available in Spanish.

REALTOR® Education & publications: Product Showcase

CIPS: A Global Perspective for Association Staff, Offering Commercial Services to Your Members RealtorU.com/courses

ABR® and Entrepreneurial Studies Series RealtorU.com/courses



Shop All Products and eProducts at www.REALTOR.org/Store/G20143

REALTOR® Education & Publications: Product Showcase

Brokerage Resources (continued)21 Things I Wish My Broker Had Told Me: practical Advice for Real Estate professionalsWritten with humor and insight, this publication provides hands-on advice to help agents start or maintain their career.


Commercial and InvestmentCommercial Real Estate InvestingThis book is designed to show readers the ins and outs of investing in commercial real estate. If you are investing in residential property, or have started to invest in commercial property and want to take your investing to the next level, this course is for you.

Item #: 141-317$24.95

The Insider’s Guide to Commercial Real EstateThis book will teach you everything you need to know about commercial real estate, from how to speak the language to the ins and outs of commercial contracts and financing.


The Fundamentals of Listing and Selling Commercial Real EstateThis book provides a complete foundation for a career in commercial real estate in two sections — Fundamentals of Commercial Real Estate and Practice of Commercial Real Estate.

Item #: 141-296$22.95

Diversity and Fair Housing

Fair Housing (DVD) This 20-minute DVD focuses on timely fair housing topics and the complex issues presented by fair housing regulation.

Item #: 166-150D (DVD)Members: $20.95Non-Members: $31.95

Fair Housing Handbook — Fourth Edition Ultimate resource for fair housing information. Provides suggested fair housing office proce-dures, background on regulations, equal service report forms, NAR/HUD partnership informa-tion and a self-assessment questionnaire.


Item #: e166-1084Members: $9.95Non-Members: $12.95

Fair Housing Sales and Rental: pocket Guides A must for anyone involved with management or leasing of real estate. The information covered includes fair housing laws, the responsibilities of real estate professionals, and checklists to ensure proper procedures. Sold in packages of 5.

Item #: 166-153 & 166-81 Members: $20.95Non-Members: $31.45

Item #: e166-153 & e166-81Members: $6.95Non-Members: $12.95

At Home With Diversity® Certification RealtorU.com/courses

Sustainable Real Estate for Commercial Professionals RealtorU.com/courses




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Home Buying/Selling

The NATIONAL ASSOCIATION OF REALTORS® Guide to Home Buying Outlines the process of purchasing a home with special focus on issues that concern first-time buyers and a variety of options for buyers to consider during each step of the buying transaction to ensure the best decisions for their needs.

Item #: 141-50$19.95

The NATIONAL ASSOCIATION OF REALTORS® Guide to Home Selling Specifically for home sellers, this guide presents a variety of issues for homeowners to consider when deciding to sell their home and an outline to help sellers make the best decisions for their needs.

Item #: 141-55$19.95

Getting It Sold — Your Resource for Staging, Curb Appeal and Selling Success Help consumers prepare their home for sale with proven methods on curb appeal, staging, showing and updating a home for selling success. Sold in packages of 100.



It’s a Great Time to OWN A resource that REALTORS® can provide to buyers on the fence or first-time buyers. Sold in packages of 100.



pricing Your Home To Sell (DVD)This DVD is loaded with charts, visuals and friendly dialogs to address all of your sellers’ pricing objections, helping countless real estate agents, like you, turn “for sale” into “sold.”

Item #: 141-177 (DVD)Members: $39.00Non-Members: $44.00

Legal Issues

Real Estate Brokerage Essentials®: Managing Legal and Business Issues — Third Edition This is the ultimate information source for brokers to help minimize the risk of legal liability.


Workplace Harassment: Awareness and prevention pocket Guide A guide to the types of workplace harassment, the liability issues surrounding workplace harassment, and suggestions on reporting and investigating claims. Sold in packages of 5.



REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA)

RESPA Dos and Don’tsRESPA DOs

Real estate brokers and agents must comply with the Real

Estate Settlement Procedures Act, or RESPA. Violators of

RESPA may receive harsh penalties, including triple dam-

ages, fi nes, and even imprisonment. Here are a few exam-

ples of what RESPA allows. RESPA...Allows a title agent to provide, during an open house, a modest food

tray in connection with the title company’s marketing information

indicating that the refreshments are sponsored by the title company.

Allows a home inspection company to sponsor association events

when representatives from that company also attend and to post a sign

identifying its services and sponsorship of the event.

Allows you to jointly advertise with a mortgage broker if you pay a share

of the costs in proportion with your prominence in the advertisement.

Allows a lender to pay you fair market value to rent a desk, copy

machine and phone line in your offi ce to prequalify applicants.

Allows a hazard insurance company to give you marketing materials

such as notepads, pens, and desk blotters, which promote the hazard

insurance company’s name.

Allows a title agent to pay for your dinner when business is discussed,

provided that such dinners are not a regular occurrence.

Speak with a RESPA attorney to make sure you comply with all

applicable laws. Some state and local laws prohibit activities that are

permissible under RESPA.

RESPA DON’TsRESPA prohibits giving or receiving anything for the refer-

ral of settlement services, subject to certain exceptions.

Violators of RESPA may receive harsh penalties, including

triple damages, fi nes, and even imprisonment. Here are a

few of the examples of what RESPA prohibits.

RESPA...Prohibits a title company from regularly providing dinner and recep-

tions for real estate agents.Prohibits acceptance of discounted or free business equipment, such

as a free lockbox. Prohibits acceptance of reimbursement of the cost for an open house

lunch from a mortgage broker who does not display any marketing

materials at the event.Prohibits acceptance of a dinner paid for by a home inspector who

does not attend the dinner to market his/her services to you.

Prohibits acceptance of contributions from a title company to off set

the cost of a real estate agent’s promotional event except to the extent of

the value of any marketing done by the title company during that event.

Prohibits accepting gifts from mortgage brokers, such as paying your

greens fees.Prohibits a mortgage broker or title company from paying for your

tickets to a sporting event.Prohibits participation in a tropical “getaway” weekend, the cost of

which is underwritten by a title company, during which only two hours

is dedicated to marketing by the title company and the remainder

is recreation.Don’t EVER accept payment from a mortgage lender just for taking a

loan application.

Disclaimer: � e DOs and DON’Ts examples listed here are not all-inclusive and small variations in the facts can lead to diff erent outcomes. � ey

also do not take into consideration any additional regulations that may have been imposed in your state, which may prohibit activities that are

permissible under RESPA. Speak with a RESPA attorney to make sure you comply with all applicable laws.

RESpA Dos and Don’ts Card — Download Understand and comply with the Real Estate Settlement Procedures Act (RESPA). Provides RESPA “Dos” on one side and RESPA “Don’ts” on the other side.


The 3 P’s of Negotiating, Power Negotiating, Client Negotiations: Unlocking Hearts vs. Locking Horns!; Coming Soon: NAR’s Code of Ethics. RealtorU.com/courses

New-Home Construction and Buyer Representation, Generation Buy, Seniors Real Estate Specialist (SRES®) Designation Course and Military Relocation Professional Certification (MRP). RealtorU.com/courses





Mortgages

VA Toolkit: Home Loan Guaranty Services Help your veteran clients gain a better understanding of the many advantages the Veterans’ Administration loan program has over conventional mortgages.


property Disclosure

Energy Savers Booklet — Tips for Saving Energy and Money at Home — Download Your clients want money-saving ideas. This guide includes tips for using renewable energy to power your home.


A Brief Guide to Mold, Moisture and Your Home Learn why mold develops in the home, general recom mendations for removing it and ways to prevent it from returning. Sold in packages of 5.



property Disclosures pocket Guide Includes the recommended use of disclosure forms, steps to limit broker liability, foundations of misrepresentation liability, stigmatized property and remedies for failure to disclose. Sold in packages of 5.



Research

NEW! 2013 profile of Home Buyers and Sellers — Download As the #1 research report used by REALTORS®, this profile highlights characteristics of home buyers and homes purchased, preferred methods employed during the search, financing and more.

Item #: 186-45-13Members: $50.00Non-Members: $250.00

Item #: e186-45-13Members: $19.95Non-Members: $249.95

2013 NAR Member profile — Download Who are REALTORS®? Economic, demographic, education, tenure, agency relationship and compensation of REALTORS® are broken down. This unique tool provides the answers in a user-friendly format, designed to allow easy comparisons with previous studies.


National Association of REALTORS®

2013 Home Features

Survey

2013 NAR profile of Buyers’ Home Feature preferences — Download Purchasing a home is an important life decision, and many factors can influence the home choices buyers make. This guide examines the features buyers prefer when it comes to purchasing a home, as well as the differences in preferences when it comes to factors such as region, demographics and household composition.


Short Sales and Foreclosures: What Real Estate Professionals Need to Know and BPOs: The Agent’s Role in the Valuation Process; Reverse Mortgage. RealtorU.com/courses

NAR’s Green Designation Program; Property Hazards Disclosure: Hazards Affecting Properties You Market RealtorU.com/courses




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Sales & Marketing

Before Hitting Send: power Writing for Real Estate AgentsHelp make your emails and communications something clients or prospects can’t resist.


Real Estate Advertising Made Easy, Seventh Edition This international best seller is a complete marketing tool providing thousands of mix-and-match ad combinations to save you time and increase your real estate business.


How To Become a power Agent in Real EstateGives real estate agents both the powerful sales techniques and the practical management tips they need to double their income by closing more transactions.

Item #: 141-375$24.95

The Big Book of Ads Packed with more than 1,000 ready-to-use ads, this must-have book helps agents spend their time selling, not writing.

Item #: 141-273$42.95

The Champion Real Estate Agent Dramatically boost sales and achieve all your professional goals.

Item #: 141-320$24.99

Your 1st Year in Real EstateFull of practical answers and step-by-step solutions to the field’s most common obstacles and challenges for new real estate practitioners.

Item #: 141-318$19.95

You Can View Every product and purchase Online

You can view the full line of products offered in the REALTOR® Store by visiting www.REALTOR.org/Store/G2014

Check the store often — we’re adding new products all the time. Also remember to check out our sale section for FREE and discounted products and special offers.

10% Off Your Next Order with code CAT14

Real Estate Marketing Reboot; Video Marketing to Enhance Your Business. RealtorU.com/courses





Social Media

Social Media for REALTORS® — VIp 4 pack Includes all four booklets. • Social Media for REALTORS®: 101 Dos

and Don’ts • Social Media for REALTORS®: Your Website• Social Media for REALTORS®: Digital

Marketing• Social Media for REALTORS®: Facebook



Social Media for REALTORS®: 101 Dos and Don’ts Easy-to-understand tool to help real estate professionals take their business to the next level with social media tools. Saves time, money and effort by getting you started with key dos and don’ts. Sold in packages of 5.



Social Media for REALTORS®: Your Website Save time, money and effort with assistance on how to start and how to effectively promote your website. Sold in packages of 5.



Social Media for REALTORS®: Digital Marketing Take inventory of current marketing activities and understand the hub and spoke concept, how to use social networking for marketing, how to measure online efforts and more. Sold in packages of 5.



Social Media for REALTORS®: Facebook Easy-to-understand tool to help real estate professionals take their business to the next level by showing them how to use Facebook to benefit their business and market like a pro. Sold in packages of 5.



The Digital Handshake — Seven proven Strategies to Grow Your Business Using Social MediaLearn why advertising and marketing are losing their effectiveness and how to use social media to corral elusive consumers. This book explains the best practical business applications to ramp up your business.

Item #: 141-348$24.95

Socialnomics: How Social Media Transforms the Way We Live and Do BusinessFind out the business implications of social media, and tap its considerable power to increase sales, cut marketing costs and communicate directly with consumers.

Item #: 141-363$16.95

Leveraging Your LinksDrawn from Allan Dalton’s years of brokerage, marketing and technological experience to offer unique insights and strategies on social media and social networking.

Item #: 141-357$24.95

Navigating the Social Media Maze; NAR’s e-PRO® certification program: Day 1/Day 2 Bundle and Day 2 standalone www.epRONAR.com




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Staging

123 Sold! (DVD)This engaging and easy-to-follow DVD walks sellers through three simple steps to prepare their home for sale. Let them see how easy it is to transform their home from livable to sellable.


Get Ready, Get Set, Get Sold (DVD)This instructional video covers not only the preparation of the home (Get Ready), but also the presentation (Get Set), including tips that make a buyer want to move in, not move on!

Item #: 141-331 (DVD)$15.00

preparing Your Home To Sell (DVD)This David Knox DVD will help increase the value and sales price of your listings. Use this video to show your clients the simple steps needed to sell their home. 16 minutes. English and Spanish subtitles.


Staging to Sell: The Secret to Selling Homes in a Down MarketEveryone involved in the selling process must be better prepared. In order to sell homes at top dollar, houses must be “prepared for sales.” That’s where staging comes in.

Item #: 141-336$19.95

The Consumer’s Guide to Real Estate Staging™

Armed with the facts and statistics in this guide, homeowners will never sell another home without utilizing home staging — the #1 proven method to market their most valuable asset.

Item #: 141-353$24.95

Technology

power Real Estate Emails and LettersCorrespondence is an essential part of an agent or broker’s day-to-day business. This title offers professionals a variety of emails and letters that can be adopted for any circumstance, saving time and resources.

Item #: 141-272$29.95

put Your Business OnlineA complete nontechnical guide that describes everything you need to know, from start to finish, to achieve a successful online real estate website — even if you already have one.


Sell Yourself with Customized Brochures with the print on Demand programNAR offers you the opportunity to customize our most popular brochures with your personalized information. Now it’s even easier to utilize NAR’s valuable consumer and agent-based brochures. Learn more at www.REALTOR.org/Store/pODG.

Home Staging Professional Real Estate Agent Course RealtorU.com/courses

RPR®: Real-Time Data, Market Knowledge, Informed Consumers; Putting Technology to Work for Your Clients. RealtorU.com/courses

10% Off Your Next Order with code CAT14

REALTOR® Education & publications: Education

WITH KNOWLEDGE COMES pOWERAt REALTOR® University, we’ve created a lifetime of learning opportunities to keep you at the forefront of what’s next, and build your business. Whether you want to earn a NATIONAL ASSOCIATION OF REALTORS® designation or certification, or a Master of Real Estate degree, REALTOR® University can help. Our online courses and programs cover a broad range of topics, so you can focus on what makes sense for your market, and your interests.

REALTOR® University can help you reach your personal and professional goals.

Designation, Certification and Continuing Education CoursesWhere you take focused online courses that lead to you earning one of NAR’s official designations and certifications that cover specialized topics within the constantly changing real estate world. REALTOR® University is the premiere online real estate site for expanding your knowledge and advancing your career. Many REALTOR® University courses can now be taken for continuing education credit, and are tablet compatible. Webinar and Video Centers are also available.

Master of Real Estate Degree program You have a highly advanced educational opportunity to earn a Master’s Degree in what you know best. With our unique blend of practical and applied learning, you will be able to apply your knowledge in day-to-day business. The graduate degree program offers business and real estate core courses. The University’s unique features include courses when and where you want them, a research center that identifies the leading trends and issues in the real estate industry, competitive overall cost compared to other prominent graduate real estate programs, and the largest real estate library in the world.

Learn on your time. Our online courses are accessible anytime and anywhere. This allows you to complete courses and advance your career in a way that works for your business and your life.

Build on your budget. With a broad range of programs and course offerings, we have learning opportunities that work with any budget. The Master’s program also offers scholarships and financing options.

Leverage our resources. We provide access to the largest real estate library in the world to connect you to everything about real estate. Additionally, the Richard J. Rosenthal Center for Real Estate Studies identifies the leading trends and issues in the real estate industry.

Improve through guidance. Our faculty are practitioners in the field of real estate, including Ph.D. level faculty, who have hands-on experience and knowledge in the topics they teach. Connect with them for guidance, or access our professional coaching center where we offer one-on-one mentoring, and much more.

Learn more at RealtorU.com.

NOTICE OF NONDISCRIMINATORY POLICY AS TO STUDENTS

REALTOR® University admits students of any race, color, or national or ethnic origin to all the rights, privileges, programs and activities generally accorded or made available to students at REALTOR® University, and REALTOR® University does not discriminate on the basis of race, color, or national or ethnic origin in administration of its educational policies, admission policies, scholarship and loan programs.

REALTOR® University

See All the Education Resources Available at RealtorU.com9

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50+ Market

SRES® CouncilSRES®: Seniors Real Estate Specialist®

The wealthiest buyers and sellers in the country are over age 50. Understand their maturing motivations and build your business and resources as a Seniors Real Estate Specialist®.www.seniorsrealestate.com

Broker price Opinions

BpO Resource (BpOR)With the changing real estate landscape and the increased use of broker price opinions (BPOs) by market participants, the BPOR certification provides REALTORS® with knowledge and skills to perform accurate and professional broker price opinions (BPOs) and comparative market analyses (CMAs), while reducing risk and increasing opportunities! Certified and eligible members will be able to receive BPO orders.www.BpOR.org

Buyer Representation

REBAC: Real Estate Buyer’s Agent CouncilABR®: Accredited Buyer’s RepresentativeGain a competitive edge with unique under-standing of home buyer’s needs and how to best serve them, specialized information on home buying issues and trends and exclusive resources.www.REBAC.net

Diversity

At Home With Diversity®

The multicultural buyer market is rapidly growing — and changing. Give yourself a competitive edge by learning how to work effectively with and within this buyer market. The online course is approved for CE in most states.www.REALTOR.org/ahwd

Green

Green REsource CouncilNAR’s Green DesignationEarn the new, completely residential-focused NAR Green Designation. The innovative program offers specific themes including sustainability, green building science and building applications. Green your practice, and your bottom line. www.GreenREsourceCouncil.org

Global Business

CIpS: Certified International property SpecialistForeign investment in U.S. real estate is taking place in all 50 U.S. states. The CIPS designation prepares you to assist in all aspects of international business, from attracting foreign investors to your local community to serving a multicultural buyer or helping local buyers invest abroad.www.REALTOR.org/global

Residential Sales

Council of Residential SpecialistsCRS: Certified Residential SpecialistThe premier designation for residential sales agents.www.CRS.com

Military Relocation

Military Relocation professional (MRp)When military personnel and their families relocate, the services of a real estate professional who under stands their needs and timetables makes the transfer easier, faster and less stressful. NAR’s Military Relocation Professional (MRP) certification program teaches you about working with current and former military service members to find the housing solutions that best suit their needs and take full advantage of military benefits and support.www.MilitaryRelocationpro.org

Official REALTOR® Designations and Certifications

The following courses are offered online through REALTOR® University

10Grow Your Business • Gain a Competitive Edge • Save Time and Money

REALTOR® Education & publications: Education

Additional Ways to Maximize Your Membership

Update Your profile page

Get the information you want from NAR in a once-weekly email by indicating your preferred interests, topics and areas of specialty. Log into My Account on REALTOR.org and view/update your email address and subscriptions.

NAR’s Member Center

Log in today to view benefits and events from your Local, State and National Associations, access your 2014 membership card and see industry news via RSS feed from REALTOR.org.

Plus, download the new Member Center app for your iPhone, iPad or Android device, featuring industry news and add events directly to your calendar.

Visit MemberCenter.REALTOR.org

Verify Your NRDS Information

Help us by ensuring that we have all your correct and up-to-date information. Check your NRDS record on REALTOR.org by logging into NRDS in the top navigation. Contact your local association for any changes you are not able to make in your record.

Resorts, Second Homes

RSpS: Resort & Second-Home property SpecialistEvery market is a second-home market (think rental and investment properties), not just obvious resort areas. Investment and vacation home sales have surged, and RSPS is the best resource for this buyer group.www.REALTOR.org/resort

Technology

e-pRO® CertificationExpand your real estate technology and social media skills by enrolling in NAR’s e-PRO® Certification Program. Learn how to connect with consumers, manage your online reputation and generate leads.www.epRONAR.com

Short Sales and Forclosure

®

SFR®: Short Sales and Foreclosure Resource CertificationDesigned for real estate professionals at all experience levels, this certification gives you a framework for understanding how to: Qualify sellers for short sales Develop a short-sale package Negotiate with lenders Tap into buyer demand Safeguard your commissionwww.realtorSFR.org

Official REALTOR® Designations and Certifications (continued)

See All the Education Resources Available at RealtorU.com11

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ACoM: Accredited Commercial Manager (Institute of Real Estate Management)

Develop your specialized skills and learn new industry solutions and technologies as a commercial manager.www.IREM.org

ALC: Accredited Land Consultant (REALTORS® Land Institute)

The designation of the most accomplished, trusted and skilled professionals in the business of land.www.RLILand.com

AMO®: Accredited Management Organization® (Institute of Real Estate Management)

Recognizes excellence among real estate management firms.www.IREM.org

ARM®: Accredited Residential Manager® (Institute of Real Estate Management)

The most recognized credential for residential real estate managers.www.IREM.org

CCIM: Certified Commercial Investment Member (CCIM Institute)

Commercial investment real estate experts demonstrating unparalleled financial analysis skills.www.CCIM.com

CpM®: Certified property Manager® (Institute of Real Estate Management)

The premier real estate management credential for property and asset managers.www.IREM.org

CRB: Certified Real Estate Brokerage Manager“THE SOURCE” for real estate business management and leadership solutions.www.CRB.com

CRE: Counselor of Real Estate (The Counselors of Real Estate)

The designation for only the most experienced and trusted advisors in real estate.www.CRE.org

GAASM: General Accredited Appraiser (National Association of REALTORS®)

Signifies advanced education and experience in commercial, industrial and residential property valuation.www.REALTOR.org/appraisal

GRI: Graduate, REALTOR® Institute (National Association of REALTORS®)

The cornerstone of REALTOR® education. www.REALTOR.org/GRI

pMN: performance Management Network (Women’s Council of REALTORS®)

The REALTOR® designation that combines today’s real-world skills with WCR’s powerful nationwide referral network.www.WCR.org

RAASM: Residential Accredited Appraiser (National Association of REALTORS®)

Signifies advanced education and experience in analysis and valuation of residential property.www.REALTOR.org/appraisal

SIOR®: Society of Industrial and Office REALTORS® (National Association of REALTORS®)

The most knowledgeable, experienced and successful industrial and office specialists.www.SIOR.com

SRS: Seller Representative Specialist (National Association of REALTORS®)

The Seller Representative Specialist (SRS) designation is the premier credential in seller representation. www.srscouncil.com

The following NAR designations and certifications, though not currently available on REALTOR® University, offer you specialized knowledge:

The More You Know

12Grow Your Business • Gain a Competitive Edge • Save Time and Money

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