<sup>Checkout these tips for Agent survival in any market - by Trecia Cooke



1]</sup>RISMEDIA, December 29, 2009—You may remember reading about Andy Alexander about two years ago in this column. Then, he was in California’s Beach Cities and he was tremendously successful at selling homes to Internet buyers. Despite his outstanding success in Southern California, Andy and his wife had discussed raising their hoped-for children in a more rural environment. They settled on Breckenridge, Colorado—a town in the Rockies more than 1,000 miles away from the market and the success Andy had—and in June of 2009, they made the move. Andy began prospecting in July. I recently spoke to Andy and was delighted to hear that he is doing very well.

His story is a demonstration of how simple technology makes agents free—able to succeed anywhere (including the market you are already in), despite market conditions—and how—in this Internet-enabled world—innovation by an agent can trump bad markets.

Background

Although I have spent some quality time in and around Breckenridge, I was surprised how little I actually knew about the market there. Upon reflection, I’ll wager that Breckenridge is not unlike a great many other vacation-oriented towns: feeling the burn of the now-recovering economy deep down in all things. Andy soon confirmed that my feeling was correct.

“The market in Breckenridge gets the “double whammy” because it took a hit from the recession (like all markets) and it also is a second-home market,” Andy explained. “90% of transactions here are second-home buyers. To give you an idea of just how much we were affected by the economic fallout, our transactions here have decreased by 75% since 2007. 2008 was about 35% down and so far in 2009 it is about 40% down. In this economy, who has money for a second home? We are all hoping that this turns around in 2010, but in reality, nobody really knows when full recovery will come. The market here lags a year or two behind most regular markets. If that holds true, we should be ready for a turn. I came into this market for a lifestyle change and I knew what I was getting into from a business standpoint. I knew it was going to be tough and I knew that I needed innovation and technology on my side to get going in this type of a market. Although I had experienced great success with my personal website over the years, I was at a point where I knew I wanted an outsourced lead-generation system because I wouldn’t have time to play webmaster and technician once I got here—I would need to be prospecting. I had several good discussions with my longtime Internet marketing services company and to my surprise, found that they had been hearing this from a lot of agents, and that they were about to roll out a beta (test) version of such a system. I signed on to be a test subject.”

Quick Results

“The very first month my system went live I began receiving leads. I created a systematic approach to responding to internet leads and I have a systematic approach to following up and staying in touch. (The market here requires this or you will be swallowed because a lot of second-home buyers can take a year or more to purchase.) Starting in July (the first month) I had 100+ unique visitors on my brand new website. I am now approaching 200 unique visitors every month. From these visitors I have received about 40 good leads. I have closed two of these opportunities that came directly from the website. The total commission from these sales is almost 10 times what it cost me to join the program. I am also conversing with 30 of these leads, 10 of which I believe will be purchasing or selling within six months. I am extremely happy that all this has occurred within about a four-month timeframe—two sales made and 10 sales working—from nothing!”

Bottom Line

“The bottom line is that over a five-month period in a market where transactions are down 75% from two years ago that is “frozen” from a transaction standpoint, I have closed two transactions: both generated solely from my lead generation system that farms the Internet for me. When the market turns I will be positioned well with buyers as a direct result from this lead generation system. I also think it is noteworthy that of the two closed transactions, one was a listing, and of the 10 prospects that are near, two of those are also listings. I am getting about 20% listings from my leads. I have done all of this without having to play webmaster and techie even one day; in fact, without doing anything but following up the leads that the site generates for me. To do all of this within a few months of relocating here continues to amaze me and to convince me that my choice to stop prospecting the web the same old way was the absolute right choice. Here at the Breckenridge Real Estate Group, we don’t sell or list real estate the same old way, and we think that is good for our clients. We know it’s good for us.”

Tough Times Spur Innovation

The innovative system Andy chose uses intelligent paid advertising as well as organic search to bring solid traffic to your individual account, fast. Unlike ordinary websites, the conversion rate of Internet visitors to sign-in registrations is currently running at 8+% system-wide, with several hundred users and more joining daily. With such high conversion rates, it is not necessary to have huge traffic: even 100 unique visitors monthly can bring a very nice living. The system was designed to accomplish Internet marketing from a fresh perspective, namely: is the purpose of your website to provide information to everyone or to provide interested buyers to you? The lead generation system that is Compass PROLeadS™ believes that purpose is to provide interested buyers to you.

Taking a different approach to the answer to that question has made a huge difference in performance. The real purpose of your website is to help you sell homes. To do that, it must produce real leads in sufficient numbers to build a practice. Chances are that most agents’ websites were not designed for that purpose, but instead, to inform, to provide information to any visitor that happens to visit them. PROLeadS™ exists to have Internet shoppers find your site and request information from you as to exactly what they are looking for. Combining organic and paid search, the site builds traffic, converts it to leads, and does so without your daily involvement—except to follow up the leads properly.

Andy moved 1,000 miles but you can succeed right where you are.

If you started innovating today, would you be pleased to have made a couple of sales, have another 10 seriously incubating, and another 20 in process four or five months later? That is what succeeding online can do for you. Succeeding there brings you a whole new source of real leads and sales that you simply can’t access any other place.

You have all the skills you need to sell homes to Internet buyers. In fact, we could parachute you into anyplace in North America and you could sell homes provided you had interested buyers, couldn’t you? Well, that is the point of innovation and online marketing: to assure you of a steady stream of interested buyers to talk to. It’s not necessary to move to Colorado; it’s necessary to move your marketing online.

It’s almost 2010 and if you refuse to listen to the naysayers and the pessimists, you can make it into a wonderful and successful year. Andy moved his family during the worst market ever, into a market down 75% and succeeded. He did this—not with magic—by planning and executing his online marketing strategy. Please—make this the year you do the same.

Mike Parker (mparker@theblackwatercg.com ^[2]) advises thousands of agents and brokers on the subject of online marketing services for Realtors. If you’d like to investigate this new innovation that is bringing success to hundreds of agents and brokers—or to find out if your website is set up to deliver buyers to you, click here and fill out the form. We’ll tell you confidentially and for free.


Article printed from RISMedia: http://rismedia.com

Take a look at this information related to the national housing market outlook - Trecia Cooke, Realtor  Exit Realty Group - Tomball

RISMEDIA, November 18, 2009—Aided by the home buyer tax credit, the outlook for housing and the economy appears headed for a sustainable recovery, according to the National Association of Realtors®.

Lawrence Yun, NAR chief economist, said the projections are enhanced by a tax credit expansion to more home buyers through the middle of 2010. “Given the success of the first-time buyer tax credit to date, and the need for qualified buyers to continue to absorb inventory that will include additional foreclosures over the coming year, we are hopeful about the impact of the expanded tax credit because it will stabilize home prices,” he said. “In fact, the credit is working better than first projected – it now looks like we’ll have 2.3 to 2.4 million first-time buyers this year.”

The 2009 National Association of Realtors® Profile of Home Buyers and Sellers, shows first-time buyers accounted for a record 47% share of home sales over the past year, up from 41% in the 2008 survey. The share has risen steadily since a cyclical low of 36% in 2006.

Existing-home sales are expected to total 5.01 million in 2009, a gain of 2.0% over last year, and then are foreto rise 13.6% to 5.69 million in 2010. “A steady draw down of inventory will help home values to turn positive in 2010, but risks such as unemployment remain in the economy,” Yun said.

New-home sales are projected at 397,000 this year, recovering to 549,000 in 2010. Housing starts, including multifamily units, should total 564,000 units this year but grow to 752,000 in 2010.

The 30-year fixed-rate mortgage will probably average 5.3% in the fourth quarter, rising gradually to 5.8% by the end of next year. NAR’s housing affordability index will set a record in 2009, averaging 30 percentage points higher than 2008. Affordability will decline from record highs next year but will remain at historically attractive levels for home buyers.

“We’ve seen a steady downtrend in housing inventory for well over a year and home prices appear to be in the early stages of stabilizing. With the expansion of the tax credit to additional buyers through the middle of next year, and no major unforeseen events impacting the economy, home prices should rise between 3 and 5% in 2010, but with wide geographic differences,” Yun said. He expects growth in the U.S. gross domestic product to be at a pace of 2.5% in the current quarter, with GDP up 2.8% in 2010.

The unemployment rate is close to peaking and is projected to ease to 9.5% by the end of next year.

“The size of the U.S. budget deficit is a concern going forward, and carries the risk of higher inflation. At this point, that risk appears to be restrained,” Yun said. Inflation, as measured by the Consumer Price Index, is seen contracting 0.4% this year, then rising 1.6% in 2010. Inflation-adjusted disposable personal income is estimated to grow 0.4% this year and 1.2% next year.

By STEPHEN OHLEMACHER Associated Press Writer © 2009 The Associated Press

Oct. 28, 2009, 5:08PM

WASHINGTON — Senators agreed Wednesday to extend a popular tax credit for first-time homebuyers and to offer a reduced credit to some repeat buyers.

The tax credit provides up to $8,000 to first-time homebuyers but is set to expire at the end of November.

Senators agreed to extend the existing tax credit for first-time homebuyers while offering a reduced credit of up to $6,500 to repeat buyers who have owned their current homes for at least five years, said Regan Lachapelle, a spokeswoman for Senate Majority Leader Harry Reid, D-Nev.

The tax credits would be available to homebuyers who sign sales agreements by the end of April. They would have until the end of June to close on their new homes, said a congressional aide, who spoke on condition of anonymity because he was not authorized to publicly discuss the deal.

Senators were still negotiating the expansion of a separate tax credit that lets money-losing businesses get refunds for taxes paid in previous years, providing them with an immediate source of cash.

Senators in both political parties were hoping to add both tax provisions to a bill that would give people running out of unemployment insurance benefits up to 20 more weeks of federal aid. The Senate could vote on the overall bill as early as Thursday, but lawmakers were still haggling over several unrelated amendments Wednesday evening.

Popular bills like the one to extend unemployment benefits often attract amendments that would have a difficult time passing on their own.

Republicans were demanding that they be given a chance to offer amendments to restrict federal aid to the beleaguered community activist group ACORN and on requiring that people receiving unemployment insurance be processed through E-Verify, an Internet-based system that employers use to check on the immigration status of new hires.

Majority Democrats have refused to add the amendments.

Article Provided by:  Houston Chronicle - chron.com

What are your thoughts on the extension?

I thought this was a very interesting article to share.  It gives you good idea as to what the market is dealing with. 
                             
                              - Trecia Cooke, Realtor Exit Realty Group - Tomball, TX


RISMEDIA, October 9, 2009—The best available tool for sustaining the still-fragile housing market is the $8,000 home buyer tax credit, and it is essential that Congress extend the credit into 2010, the National Association of Realtors® testified at a hearing of the U.S. House Small Business Committee recently. 

The tax credit expires November 30.

NAR Regional Vice President Joseph L. Canfora, a broker-owner with Century 21 Selmar Realty in East Islip, N.Y., also told the panel that a major stumbling block for consumers has been the implementation of appraisal processes spurred by the Home Valuation Code of Conduct, which is causing delays in closings, as well as cancelled sales that led to artificially low existing-home sales numbers for August, reported last month.

“The credit is working,” Canfora said, pointing out that the 355,000 to 400,000 transactions directly attributable to the credit made a significant dent in the housing inventory and will help to stabilize home prices. Further, the credit has provided a huge indirect benefit to local governments, shoring up property tax bases in particularly hard-hit areas.

Further, NAR data has estimated that every home purchase pumps into the recovering economy about $63,000- the equivalent of one new job added to the employment figures. But, Canfora said, the threat of more foreclosures coming to the market caused by mortgage rate resets, job losses, and by lender’s unburdening themselves of additional properties to take advantage of today’s more stabilized prices could disrupt the fragile recovery.

In a “normal” market, optimal housing inventory is about six to seven months, he said. When the tax credit was enacted in February, inventory was 9.1 months. Because of the spurt in homes sales since then due to the tax credit, inventory declined to 8.2 months in August, closer to “normal” than at any time since 2007.

In urging Congress to extend the credit, Canfora said, “The more robust the credit and the greater its duration, the greater the chance that the housing market can perform its traditional role of helping the economy move out of a recession.”

“But problems arising from the implementation of the HVCC may reverse the market’s positive momentum at a time when the real estate industry is just starting to show signs of a rebound in many markets,” Canfora said. According to an NAR survey of its members, approximately 40% of Realtors report having lost at least one sale since May 1 because of appraisal problems due to the HVCC rules. Twenty percent say they have lost more than one sale.

The culprit, he said, was that appraisal management companies, which have gained prominence because of the HVCC, have assigned appraisers to areas where they lack geographic competence. That has resulted in unreliable appraisals. It is not uncommon that second and third appraisals have to be done to ascertain fair market value. Appraisal fees have also risen and are being passed on to consumers.

Both Fannie Mae and Freddie Mac have issued guidance on appraisals, but NAR is calling upon the mortgage giants and the Federal Housing Administration to issue a consolidated guidance that should be codified and incorporated into the existing policy to ensure proper information on appraisals is available to the real estate industry.

FHA Commissioner David H. Stevens has asked FHA staff to explore that recommendation with Fannie and Freddie. Last month, Stevens reaffirmed FHA appraisal policy, taking into consideration the unintended consequences that have burdened Fannie and Freddie, and issued two Mortgage Letters focusing on appraisal changes. The policy reaffirms appraiser independence and geographic competence.

The FHA announcement also included timely steps to protect taxpayers: implementing credit policy changes to enhance risk management; hiring a chief risk officer for the first time in the agency’s history; and shifting responsibility for mortgage brokers away from taxpayers to the lenders who use mortgage brokers.

Canfora told the committee that FHA has performed remarkably well through the housing crisis. “The reason the FHA capital reserve ratio fell below 2% had nothing to do with FHA’s current business activities. It is simply a reflection of falling housing values in their portfolio.” He cited an FHA announcement that a 2009 audit will show that even if FHA does nothing, the cap reserves are expected to rise back to that required level within a few years. He also pointed out that FHA total reserves are not in as dire straits as some have reported since the cap reserve fund is not the only FHA reserve fund- FHA also has a separate cash reserve that is higher that it has even been- and the combined assets total $30.4 billion.

For more information, visit www.realtor.org ^[1].

Article Provided by: RISMedia.com

^[1]RISMEDIA, October 7, 2009—“The environment will be one of the great challenges of the 21st century. Soon it will dominate virtually all aspects of life in North America—socially, politically and economically. Today’s great leaders and entrepreneurs must look at environmental problems as an opportunity to set themselves apart from the competition.” 

- Steve Morris, Founder and CEO, EXIT Realty Corp. International 

The green real estate movement is today’s mantra for everything from energy-efficient appliances and toxin-free building materials to all-natural cleaning supplies or water-saving products. Everywhere we turn, marketing screams for our lives to “go green!” Whether it’s the bag you pack your groceries in, separating recyclables before putting out the garbage or checking the tags on what you buy to ensure it’s organic, day-to-day living centers around being—or quickly becoming—eco-friendly. 

One of the most important things to buyers and sellers today is the environment. And in order to meet the demands of first-time home buyers (whose average age, according to the National Association of Realtors®, is 30), agents must become savvy, green-educated professionals. Age 30 is between the Gen X/Y era where green is not a consideration to that demographic—it’s a lifestyle. Environmentally-friendly features are deemed as very important by 90% of buyers, according to NAR. The stats make perfect sense since owning a green home is said to be good for your health, will save you money and benefit the environment. 

If that’s not enough motivation, green homes are expected to account for 10% of new-home construction in 2010, up from 5% in 2005, according to McGraw-Hill Construction. Not to mention that while the average U.S. home lost 5.7% of its value in 2007, eco-friendly homes have actually held their value, some even appreciating in price. According to the Appraisal Institute, green properties typically appraise for 10% to 15% higher than comparable conventional homes (depending on region and upgrades). 

Buying green real estate is more affordable than ever before. The premium is minimal compared to what it used to be and can be easily offset by the long-term savings on things like energy-efficient furnaces, for example. That alone could save you $570 annually, according to the U.S. Department of Energy. 

What qualifies as a green home to one might not necessarily make the cut with another, but the key is recognizing the significance of the green movement in real estate and heading aggressively in that direction. The green housing market is creating a tipping point in the real estate industry. Realtors® that don’t get on board the green train will get left behind. 

At EXIT, It’s All About Our Agents
EXIT recognizes the value in making this educational opportunity available because, like everything else we do, our agents are the focal point of our company. With that in mind, at the 2009 EXIT Annual Convention, EXIT announced the launch of our green initiative, “Teal is the New Green,” which includes training, resources and other tools to assist our agents in marketing themselves as proficient green Realtors®. By aligning ourselves with EcoBroker® International, the world’s first and largest green designation program for real estate professionals, we keep giving Realtors® more and more reasons to choose EXIT for a successful career. 

EcoBroker’s® green designation training and communications will provide EXIT agents with the resources to be constructive green ambassadors in an ever-changing business and consumer world. They will be able to knowledgeably assist clients in their pursuit of properties that provide affordability, comfort and a healthier environment. EXIT-EcoBroker certified professionals will also help sellers effectively market their properties with green features. 

Because EXIT offers only the very best in training and education, EcoBroker® is the only designation that is taught by experts in both the green industry and the real estate industry. With over 5,400 agents trained worldwide, they are the largest green designation program for real estate. 

“We are also the only green certification program that requires our members to take four hours of additional education each year,” says John Stovall, Vice President of business development for EcoBroker® International. “Our annual Advantage Course will keep EXIT-EcoBrokers on top of the latest information in the world of green real estate.” EXIT has negotiated special pricing that is not available anywhere else in the industry, so our agents can affordable become certified. 

EXIT-EcoBrokers will be equipped with additional energy and environmental information as well as tools to help them provide added value to all of their real estate transactions. “This training helps our agents address the newest topics in real estate, such as green home certification programs like ENERGY STAR®, says Tami Bonnell, president of EXIT’s U.S. Organization. “It also provides practical solutions to assist them in working through issues that may arise in any real estate transaction, such as mold, radon, or poor indoor air quality, just to name a few.”

By becoming an EXIT-EcoBroker, our agents will be able to grow their client base by attracting the green-minded consumer and providing valuable energy and environmental information to all consumer types. 

For more information about EXIT Realty Corp. International or the “Teal Is the New Green” Program, contact Amy Youngren, Green Program Representative, at ayoungren@exitrealty.com ^[2]. 

Article by: RISMedia.com

Posted by: Trecia Cooke, Exit Realty Group - Tomball, TX
Contact me if you would like to learn more about EXIT Realty

^[1]RISMEDIA, October 6, 2009—In September 2009, more renters took the plunge to become homeowners but fewer current homeowners opted to move up to more desirable homes or neighborhoods even though these homeowners acknowledge home prices are a good value, according to a new survey commissioned by Relocation.com. 

Seventy percent of respondents said homes are more affordable today than in recent months. Further, 69% indicated they believe the economy is improving with 19%- the largest proportion—citing declining home values as a primary reason for this improvement. But Americans are still cautious: only 26% of survey respondents took advantage of these more affordable prices to move to a bigger house or neighborhood, down 24 percentage points from June. 

And while the Relocation.com survey found that the number of homeowners moving to a new home remained the same as it had in an earlier survey conducted in June, the number of renters finally moving from the sidelines to purchase a home increased by 3 percentage points in September. Moving due to job loss or foreclosure stabilized at 7%. 

“Although it’s too early to tell if this is a long-term trend, it’s interesting to see that renters have found reason to become homebuyers,” observed Sharon Asher, chairman and founder, Relocation.com. “We’re also interested to see that there’s been a 16% increase in respondents who said they hired a professional mover, which may be another indication of an improving economy.” 

Compared to Relocation.com’s June 2009 survey, in September, more respondents said they were moving for career-related reasons—to begin college, start a new job—which is likely more due to seasonal trends than attributable to economic factors. 

More value for home purchases, lower mortgage interest rates and the tax credit for new homebuyers were cited as factors responsible for respondents’ belief that the economy is starting to back away from the financial ledge. 

“In past years, we’d see the number of people moving into new homes calming down toward end of year,” noted Asher. “But this year has been singular in so many ways, it’s possible we may see something different. We’ll be tracking closely to see if buyers are moving into new homes for the holidays.” 

Article Provided by:  RISMedia.com

Have a mortgage question or need to get pre-qualified?   click here for more information! 
                                               -Trecia Cooke, Realtor

 ^[1]RISMEDIA, March 4, 2009-(MCT)-What a difference nine months make. In the not-long-ago credit-card binge days, one of the “in” things was to own a TV the size of a bus. Today, it’s to have six months of living expenses saved in case you get laid off.

Until recently, buying was the social norm-”having stuff, having name brand stuff, having the new, the bigger, the more,” said George Barany, director of financial education for America Saves, a Washington-based educational nonprofit. Today, he said, wearing last season’s clothes or holding onto a car longer is more acceptable among consumers.

Tough times have also altered one financial planning basic-that consumers with considerable credit card debt should divert money away from savings to those balances. Today, experts say, if you don’t have six to 12 months of living expenses saved, pay the minimum on card balances and grow that kitty. Experts say interest will add up, but if you do not get laid off, you can use some of the fund to help pay down debt once the economy picks up.

People talk about saving for a rainy day, but “it’s raining right now,” said Jon Gaskell, co-founder and head of business development for SmartyPig.com, a virtual piggy bank that combines a savings program with social networking so users identify savings goals and set up automatic deductions from checking accounts.

How to save

You can’t beat the autopilot approach, experts say. Assuming it’s an option, ask your employer to automatically deduct a certain amount each week and deposit it in a savings account, preferably one to which you don’t have too easy access, said John Tweedy, a Floral Park certified financial planner. Some employers also allow you to earmark all or a portion of future raises to savings.

In these tough times, don’t neglect the off-the-radar-screen approach says Ethan Ewing, president of money portal Bills.com. That’s regularly socking away a small, almost unnoticeable, amount, such as stuffing a dollar bill every day into a jar or piggy bank or regularly dropping your small change into a coin jar.

While many people wait until the end of the month to see how much is left to save, Galia Gichon, a financial expert in Manhattan, suggests you work in the opposite direction. Plan ahead for weekly out-of-pocket expenses, take out enough cash, commit to living within those confines, and save the rest, Gichon said.

How much?

As a rule of thumb, money experts suggest putting 10% of take-home pay toward long and short-term savings/investing. But that depends on individual circumstances.

What’s most important, said Barany, is to start saving on a regular basis-whatever the amount. You don’t have to “go from zero to 100 in one step,” said Barany, who added that it’s crucial for singles and families alike to maintain a minimum of $500, preferably closer to $2,000, to cover unexpected expenses.

Paying with cash can often save you money. If you have the cash to buy new tires for, say, $300, you can say to the merchant, who has to pay a service charge on credit card transactions, “I have the cash right here. Can you give me a discount?”

Roberta Schroder, chairwoman of the economics and finance department at Nassau Community College, said she suggests students have a safety cushion of three months’ living expenses. They often feel that just one month will do as, “my mother will pay for it.” But these days, Schroder reminds students that mom may have her own financial headaches.

Where to put emergency money

For money you may need to access quickly, Tweedy suggests researching online money market accounts that pay the highest interest rates, ones that are insured by the Federal Deposit Insurance Corp. Check rates at Bankrate.com.

Ann Diamond, a chartered financial consultant in Manhattan, who also coordinates financial literacy programs, suggests the following: Those with emergency funds of nine to 12 months of expenses, invest:

- Three months in an online money market fund — recently Bankrate showed a high rate of 2.53%
- Three months in a slightly higher-yielding short-term CD, with a recent six-month CD rate of 2.57%
- Three more months in a longer-term slightly higher paying CD, with a recent nine-month CD at 2.71%, and so on.

Cut back on 401(k)?

Experts say don’t do it unless it is temporary and to build up ready cash. If your employer matches your contributions, the “plan is the best deal in the world. It’s free extra money, nontaxable, and if you do the math, you’ll see why,” said Michael Kresh a certified financial planner in Islandia, NY. That’s even if, like so many, you’ve seen your balance plummet. This year employees can put in up to $16,500, with those age 50 and up allowed a further $5,500 as a catch-up.

“Think of your retirement savings as a forest,” he said. “After the wildfire passes through, when it seems like there’s nothing left, the forest returns, slowly and steadily … a retirement portfolio can recover if you continue to fund it.” Even if your employer stops matching your contribution, as many have, “you should still be saving as much as you possibly can,” he said.

Investing

“First, do not let fear overtake you,” Kresh said.

When it comes to stocks, look for companies that don’t have a lot of debt and do have cash flow at the end of the day.

Also, “people still need to buy food and household goods. The future of this country depends upon infrastructure and an expanding green technology and energy sources,” Kresh said. “Fear is driving down the prices of companies that will be very successful in the next three to five years. Let those who sell in fear give us bargains now.”

Copyright © 2009, Newsday, Melville, N.Y.
Distributed by McClatchy-Tribune Information Services.

Article Provided by:   RISMedia.com