AIDS, April 6 Assumable mortgage loans California, April 30 DVA, March 39, 40 disclosure, April 30, 31 ¢ FHA Assumptions: Unraveling the Rules, ccessibility of managers, discrimination, April 30 March 36-40 WB March 52, 53, 54 Fair Housing Amendments Act, April 30 HUD, March 36-40 Adjustable-rate mortgages (ARMs). See also HUD, April 30 * Put Multiple Loans in Perspective, Financing, real estate; Mortgage loans National Association, April 30 Oct. 42-43 buy-downs, Jan./Feb. 51-53 Air pollution, indoor. See also Atlanta Board of REALTORS® Sept. 10 calculator, use of, Sept. 36-38 Environmental hazards Atlanta Society of Commercial REALTORS®, Fannie Mae, Jan./Feb. 51 * Blow the Lid Off Indoor Air Problems, Sept. 10 Freddie Mac, Jan./Feb. 51 Nov./Dec. 14-18 Auctions * How High Can ARMs Go?, Sept. 36-38 * Clear the Air, July 31 the Association, Oct. 12 * New ARM Index, Oct. 44 * Disputing Air Quality, June 63 ¢ Auction Options, Oct. 44 Regulation Z, Nov./Dec. 45 AIREA. See American Institute of Real financing of auctioned properties, Oct. 44 S&L crisis, Jan./Feb. 51 Estate Appraisers * Is It Time to Travel the Auction Route?, Adjusted gross income (AGI), Alliance to Save Energy (ASE), May 12 July 46-50 March 28-29 Alternative-documentation loans, Aug. 43 Automobiles ADOR. See Agency disclosure offer Amenities business tools, Aug. 24-28 reluctance office space, March 60 deductibility, March 24, 26; July 42-44 Advertising American Chapter of the International Real * “Goin’ Mobile”: Take Your Show on the ad-writing software, Nov./Dec. 25 Estate Federation. See FIABCI-USA Road, Aug. 24-28 cable television, March 46-51; Sept. 46 American Institute of Real Estate J. D. Power and Associates survey, Capture a Captive Audience with Cable Appraisers, Jan./Feb. 20 July 42; Aug. 28 Advertising, March 46-51 America’s Future Industrial Space Needs: loans, Aug. 50, 51 cost-cutting measures, April 44-45 Preparing for the Year 2000, Sept. 62 mileage, business, July 43, 44 costs, Sept. 47 America’s Future Office Space Needs: office equipment, mobile, Aug. 24-28 coupon books, Aug. 63 Preparing for the Year 2000, Sept. 62 record keeping, March 24, 27; July 44 desktop publishing, Nov./Dec. 25 Amortization software, Nov./Dec. 26 * Should You Lease Your Auto?, July 40-44 direct mail, April 34 Ancillary services, Jan./Feb. 18 tax implications, July 42-44 Do Your Ads Satisfy the Reg Z Patrol?, Annual Convention (the Association’s), telephones, Aug. 24-26, 28 Nov./Dec. 42-46 July 12 Azul Pacifico Inc. v. City of Los Angeles, effectiveness, measuring, Sept. 46, 47, 48 Annual percentage rate (APR) Sept. 8 institutional, Sept. 46, 47-48 calculation of, June 40, 41 magazines, Sept. 46, 47 Regulation Z, Nov./Dec. 44-45, 46 media, choosing, Sept. 46-47 Antitrust and Real Estate education newspapers, Sept. 46-47 program, Nov./Dec. 10 Promotional Discounts, Aug. 63 Antitrust laws, violation of, Nov./Dec. 10 Regulation Z, Nov./Dec. 42-46 Apartment buildings. See also Leasing; slow market, May 56-57 Property management; Renting; AIL, Sept. 36-37 state laws, Nov./Dec. 46 Tenants MH Balloon mortgages, Jan./Feb. 53 surveys, Sept. 48 drug activity, July 8; Aug. 19-20 Baltic republics * Take the Guesswork Oui of Advertising, seizure, July 8 foreign investment in, July 59 Sept. 46-48 Appraisals Banks. See Financing, real estate; Lenders, television, March 46-51 buy-downs, April 24-25 working with; Mortgage loans Yellow Pages, May 44 conventional, April 24-25 Beepers, Aug. 26 Agency FHA, April 24-25 Beverly Way Associates v. Barham, Sept. 8 ¢ Another Day, Another Agency Dilemma, presale, April 24 Biweekly mortgage, Nov./Dec. 40 Sept. 42-45 Appraisers Board of Directors (the Association’s) disclosure, July 51-52; Sept. 42, 44, 45; certification and licensure legislation, disclosure, seller, Aug. 12 Oct. 51-52 Jan./Feb. 20 Board of REALTORS® dual, Sept. 44, 45 APR. See Annual percentage rate Atlanta, Sept. 10 * More Days, More Agency Dilemmas, Arizona Chicago, March 10 Oct. 51-52 seizure and forfeiture, drug-related, education, Jan./Feb. 18, 19 * Read My Lips... , July 51-52 Aug. 20 Metropolitan Tulsa, Oct. 37 Agency disclosure offer reluctance (ADOR), ARMs. See Adjustable-rate mortgages Phoenix, Sept. 14, 15 Oct. 52 Asbestos, Jan./Feb. 62; July 62 Bonus, Jan./Feb. 26, 28-30 Agents, sales. See Sales agents, real estate ASE. See Alliance to Save Energy Bounds v. McPhail d/b/a Colonial Realty, AGI. See Adjusted gross income Asset managers, Aug. 23 Nov./Dec. 8 JANUARY/IFEBRUARY 1992 61 Boxes, information, Aug. 29-30 relocation, corporate, Oct. 51 1990 Housing Finance Survey, Aug. 38 Brainstorming Buyers, working with. See also Investors, seizure and forfeiture, drug-related, conventions, Sept. 22 working with Aug. 18-19 Bridge loans agency, Sept. 42-45 Camcorders * Bridge the Gap, March 34-35 ¢ Assurance Goes Far, Oct. 30 * Make Your Film Debut, May 26-29 Brokerage. See Real estate brokerage auctions, July 48-50 Canvassing Brokerage profitability. See Profitability; builders, choosing, Oct. 30 * Knock Out the Competition, April 34-35 Real estate brokerage buy-downs, Jan./Feb. 50-55 Car lots, do-it-yourself, Aug. 23 Brokers, real estate. See also Management, * Channel Buyers into an Energy-Saving Careers in Real Estate, Oct. 12 real estate office; Real estate brokerage; Alternative, May 40-41 Carryback, seller, March 36, 39 Sales agents, real estate closing gifts, June 22-24 Caveat emptor, Jan./Feb. 8; April 30; Oct. 8 agency, law of, July 51-52 * Condo Matchmaking, June 30 CD ARMs, June 42 antitrust laws, violation of, Nov./Dec. 10 disasters, natural, July 19-20 Center for Community Change, July 36 * Consumer Preference, July 53 feedback, May 44-51 Chamberlain v. Porter, Jan./Feb. 8 negligence, March 8 financing, April 20; July 34-38; Charitable remainder trust (CRT) * Read My Lips... , July 51-52 Aug. 48-51 deductibility, April 19 Brokers Information Systems, March 10 first-time, Aug. 38 retirement planning, April 19 BTS. See Build-to-suit * Go on a Journey with Alice in Charleston, South Carolina Builders, working with Lenderland, Aug. 40-45 Hurricane Hugo, July 14, 16, 17, 18, 19, 20 * To Build or Not to Build, Oct. 30 * Help Minority Homebuyers Get a Fair Chicago Board Computer Connection, Build-to-suit (BTS) Shake in the Lending Office, July 34-38 March 10 * Is Build-to-Suit a Safe Harbor?, * Help the Well-heeled Borrower Get a Chicago Board of REALTORS®, March 10 June 54-58 Loan, Oct. 39-41 Cholesterol levels, July 24-25 Business Analyst II. See BAII * How High Can ARMs Go?, Sept. 36-38 CIREI. See Commercial-Investment Real Business cards, March 22 * Map Out an Easy Way for Buyers to Estate Institute Business expenses Compare Mortgages, June 40-41 Claims-made E&O policy, Aug. 56 deductibility, March 24 move-up, Aug. 48-51 CLO. See Computerized loan origination Business tools * Presto! Qualify Buyers with Calculator Closing gifts. See also Giveaways beepers, Aug. 26 Magic, May 34-39 * It’s More Than the Thought That Counts, calculators, May 34-39; June 40-41; * Put Multiple Loans in Perspective, June 22-24 Sept. 36-38 Oct. 42-42 CMaA software, Nov./Dec. 24-25 computers, March 10; Aug. 24, 26-27, 28; qualifying, Jan./Feb. 51, 52, 53, 55; March Code of Ethics (the Association’s), Nov./Dec. 30-31 36-38, 39, 40; May 34-39, 40, 41; July 37 Nov./Dec. 60 deductibility, March 26 rapport, building, March 22 fair housing laws, Aug. 4 fax machines, Jan./Feb. 35; Aug. 27-28 relocation, Jan./Feb. 48; May 26-28; violations, April 10 integrated portable office systems, Oct. 30 COFI. See Cost-of-funds index, federal Aug. 27 * Shifty Borrowers No Longer Escape Colorado Fair Housing Association, July 37 organizers, electronic, Aug. 26 Lender Scrutiny, June 34-37 Commercial boards of REALTORS®, Sept. 10 pagers, Aug. 26 surveys, May 44-51 Commercial-investment real estate. See also photocopiers, Aug. 28 ¢ “Times a’ Changin’? Aug. 38 Apartment buildings; Financing, real printers, Aug. 27, 28 unmarried, Aug. 38 estate; Income-producing properties; slow market, May 57 videos, May 26-28 Investors, working with; Office space; telephones, May 23-24; Aug. 24-26, 28; ¢ What Buyers Want, Sept. 25 Real estate as an investment; Shop- Nov./Dec. 55-56 ping centers voice mail, Nov./Dec. 56 advertising, May 56-57 Buy-downs ¢ The Curtain Draping the East Has appraisals, April 24-25 Lifted, July 59-61 ARMs, Jan./Feb. 51-53 developers, May 58-59 * Buy-downs Regain Spotlight in Sluggish Eastern Europe, May 60; July 59-61 Markets, Jan./Feb. 50-55; June 6 able television foreclosed properties, value of, Sept. 62 compressed buy-downs, Jan./Feb. 53 advertising, March 46-51; Sept. 46 foreign investments, May 60; July 59-61 * Creative Financing, June 42 * Capture a Captive Audience with Cable insurance, March 62-63 deductibility, April 24 Advertising, March 46-51 * The IRS Gives Commercial Real Estate DVA, Jan./Feb. 52, 53, 55 Calculators Good News, Sept. 60-61 Fannie Mae, Jan./Feb. 52, 53 BAIL, Sept. 36-37 * Is Build-to-Suit a Safe Harbor?, FHA, Jan./Feb. 52, 53, 55 * How High Can ARMs Go?, Sept. 36-38 June 54-58 fixed-rate mortgages, Jan./Feb. 51, 53 HP-19BII, Oct. 43 * Keep in Step with Your Market, Freddie Mac, Jan./Feb. 52, 53 HP-12C, May 34-39; Sept. 36, 37-38; May 54-59 * Get Sellers to Say Yes to Buy-downs, Oct. 43 landscaping, March 63 April 24-25 * Map Out an Easy Way for Buyers to leasing, March 58-61; April 62 Ginnie Mae, Jan./Feb. 55 Compare Mortgages, June 40-41 marketing, March 58-61; April 54-58, lender-subsidized buy-downs, Jan./Feb. 53 * Presto! Qualify Buyers with Calculator 60-61 1-0 buy-downs, Jan./Feb. 52 Magic, May 34-39 * Move Your Property into a Prospect’s 1-1-1 buy-downs, Jan./Feb. 52-53; April 25 REM+ , Sept. 36, 38 Office, April 60-61 qualifying buyers, Jan./Feb. 51, 52, 53, 55 California newsletters, April 54-58 Regulation Z, Nov/Dec. 45, 46 disclosure, seller, Aug. 12, 13 relocation, April 62 S&L crisis, Jan./Feb. 51 mobile-home parks, Sept. 8 * Should You Prospect for Commercial 3-2-1 buy-downs, April 24, 25 property taxes, Oct. 10 REO?, Oct. 58-60 2-1 buy-downs, Jan./Feb. 52, 53 Proposition 13, Oct. 10 slow market, May 54-59 Buyer agency. See Buyer brokerage rent control, Sept. 8 strategic planning, May 58 Buyer beware. See Caveat emptor seizure and forfeiture, drug-related, videos, April 60-61 Buyer brokerage, Jan./Feb. 18-19 Aug. 18 * Weave a Newsletter into Your Marketing * Another Day, Another Agency Dilemma, stigmatized properties, disclosure of, Plan, April 54-58 Sept. 42-45 April 28-30 * Woo Tenants by Knowing Your Building, commissions, Jan./Feb. 19 California Association of REALTORS® March 58-61 * More Days, More Agency Dilemmas, Drug-Related Forfeitures Affecting Real ¢ Zone In on the Land-Use Process, Oct. 51-52 Property, Aug. 18 June 60-62 62 REAL ESTATE TROAYO Commercial-Investment Real Estate self-promotion, Sept. 23, 24 liability, May 8 Institute (CIREI), June 40 Coping parking lots, Aug. 23 Commissions, Jan./Feb. 8 * When Disaster Strikes: How to Cope, slow market, May 58-59 agents, Jan./Feb. 18, 26, 28, 30, 31; July 14-20 * You Can't Just Putter Around in Golf May 8; June 26; Sept. 49; Nov/Dec. 8 Cost-of-funds index, federal (COFI), Course Development, Oct. 54-57 buyer brokerage, Jan./Feb. 19 Oct. 44 Direct mail, April 34. See also Advertising gross closed commissions (GCCs), Country club dues, Jan./Feb. 56 Disabilities, agents with, Nov./Dec. 49 Jan./Feb. 36, 37 Coupon books Disaffiliation, March 54 100 percent company, June 26 * Promotional Discounts, Aug. 63 Disasters, natural pending gross commissions (PGCs), CRA. See Community Reinvestment Act buyers, working with, July 19-20 Jan./Feb. 36 Creative financing, June 42 Charleston, South Carolina, July 14, 16, splits, Jan./Feb. 26, 28, 30, 31 Credit cards 17, 18, 19, 20 traditional company, June 26 debit cards, Sept. 29 coping with, July 14-20 Committees “smart cards,” Sept. 29 earthquakes, July 14, 16, 17, 19, 20 conventions, Sept. 24 * Take Charge of Your Credit Card Flynn, Norman D., July 16 Communication skills, March 52 Spending, Sept. 26-30 Hurricane Hugo, July 14, 16, 17, 18, 19, 20 in marriage, Oct. 14, 16, 17, 18, 19 Crimes against agents. See Safety, agent The Impact and Response to Natural * Polish Your Telephone Image, CRT. See Charitable remainder trust Disasters, July 16 May 23-24 The Cuyahoga Plan, July 37 liability, July 19 Communications Committee (the Czechoslovakia, foreign investment in, managers, brokerage, July 18 Association’s), Jan./Feb. 19 July 59, 60 marketing, July 19 Communications Research Department media, news, working with, July 20 (the Association’s), May 17; Aug. 36 National Association, July 16 Community home-improvement loans Plainfield, Illinois, July 14, 16, 17, 20 * Dual-Purpose Loan, May 42 price adjustment, July 17 Community involvement sales agents, July 14-20 * Neighborhood News, Sept. 25 San Francisco, July 14, 16, 17, 19, 20 Neighborhood Watch, Sept. 25 ebit cards, Sept. 29 sellers, working with, July 17, 20 newsletters, Sept. 25 8 Deductibility South Carolina, July 16 recycling, Sept. 25 automobiles, March 24, 26; July 42-44 tornadoes, July 14, 16, 17, 20 * Spread the Word, July 53 business expenses, March 24 * When Disaster Strikes: How to Cope, Community Reinvestment Act (CRA), business tools, March 26 July 14-20 July 38 Buy and Sell Real Estate with Disclosure Compensation. See also Commissions Tax-Deductible Dollars, April 20-22 agency, July 51-52; Sept. 42, 44, 45; agents, Jan./Feb. 26-30, 31; Sept. 49 buy-downs, April 24 Oct. 51-52 Competition charitable remainder trusts, April 19 defects, May 8; Aug. 12-13 for agents, Jan./Feb. 26-30, 31 continuing education, March 26 environmental hazards, May 4; Aug. 8 Computerized loan origination, country club dues, Jan./Feb. 56 property information disclosure forms, Jan./Feb. 10, 12; Oct. 38 entertainment, March 26 Jan./Feb. 19; March 4; May 4; Computers. See also Software home equity loans, March 29 Aug. 12-13 * Board Bytes, March 10 interest, trade or business, Aug. 55 seller, Aug. 12-13 Brokers Information Systems, March 10 IRAs, March 28; April 18-19 stigmatized properties, April 28-31 Chicago Board Computer Connection, It’s Tax Time!, March 24-30 Discrimination March 10 Keogh plans, March 28 AIDS, April 30 desktop systems, Nov./Dec. 31 Know the Art of Shaping Transactions, fair housing, Aug. 4 laptops, Aug. 26-27, 28 Jan./Feb. 58-60 in lending, July 34-38 MLS, Nov./Dec. 30 medical insurance, March 28 Dispute Resolution System (DRS) networks, Oct. 46-50 mortgage loans, March 29; Aug. 48-51 (the Association’s), Nov./Dec. 10 notebook, Aug. 27 office, real estate, in home, March 26 Divorce portable, Aug. 26-27, 28 points, March 42; June 42 agents, Nov./Dec. 52 * Repeat After Me: Computers Are Our rental property, March 28 the Association membership, Oct. 16 Friends, Nov./Dec. 30-31 retirement plans, March 28 Dowd v. Iantosca, March 8 security, Oct. 49 seminars, March 26 Down payments * Will a Network Help You LANd More * Show Interest in Today’s Deductions, 401(k) plans, Sept. 34-35 Sales?, Oct. 46-50 Jan./Feb. 60 * How Much of a Down Payment Is Concessions Simplified Employee Plan (SEP), Enough?, Aug. 48-51 leasing, March 61 March 28 IRAs, Sept. 34, 35 Condominiums travel, March 26 Keogh plans, Sept. 34, 35 * Condo Matchmaking, June 30 Defects, disclosure of, May 8 low, April 26 defects, disclosure of, May 8 Demographics Driesler, Stephen Manitoba West Owners Association v. minorities, Oct. 12 fees-for-services issue, Jan./Feb. 10, 12 DSL Construction Corp., Don S. renters, April 24 multiple-lender issue, Jan./Feb. 12 Levin, et al., May 8 seniors, March 19 RTC, April 13 Contact-tracking software, Designations, May 59; Oct. 26 DRS. See Dispute Resolution System Nov./Dec. 22-23 Design-build, June 58 (the Association’s) Contingencies, contract, March 8 Desktop computer systems, Nov./Dec. 31 Drug activity Continuing education. See Education Desktop publishing software, Nov./Dec. 25 apartment buildings, July 8; Aug. 19-20 Conventions. See also Meetings Detroit Drug Activity & Property Seizure brainstorming, Sept. 22 property taxes, Oct. 10 Working Group, July 8 committees, Sept. 24 Developers liability, July 8 * Conventional Wisdom, Sept. 22-24 car lots, do-it-yourself, Aug. 23 Marshals Service, US. Justice flyers, Sept. 23, 24 * The Development Party's Over, Department, Aug. 16, 18, 20 giveaways, Sept. 23, 24 Aug. 21-22 Maryland, Aug. 19 networking, Sept. 22, 23, 24 flea markets, Aug. 23 National Association, July 8; Aug. 20 news releases, Sept. 23-24 golf course development, Oct. 54-57 property management, Aug. 19 positive mental attitude, Sept. 22 * Is Build-to-Suit a Safe Harbor?, * Property Seizures Can Shatter Your referrals, Sept. 22, 23, 24 June 54-58 Success, Aug. 16-20 JANUARY/IFEBRUARY 1992 63 seizure and forfeiture, July 8; Aug. 16-20 Environmental Protection Agency (EPA) ¢ FHA Assumptions: Unraveling the Rules, State and Municipal Legislation air pollution, indoor, June 63; March 36-40 Committee, July 8 Nov./Dec. 14 insurance, April 26 tenants, Aug. 19 radon detection, Nov./Dec. 36 loans, March 36-40; April 26; May 41; U.S. v. 141st Street Corp., July 8 E&O insurance. See Errors and omissions July 36, 37; Aug. 40, 42, 50 Drug Activity & Property Seizure (E&O) insurance Mutual Mortgage Insurance Fund Working Group (the Association’s), EPA. See Environmental Protection Agency (MMIF), March 38 July 8 Equal Credit Opportunity Act, July 38 Federal National Mortgage Association. Drug-Related Forfeitures Affecting Real Equal Opportunity Committee See Fannie Mae Property, Aug. 18 (the Association’s), Aug. 4 Federal Trade Commission (FTC) Dual agency, Sept. 44, 45 Equipment transactions, Sept. 61 Regulation Z, Nov./Dec. 45, 46 New York, Aug. 55 Errors and omissions (E&O) insurance Feedback, buyer and seller, May 44-51 DVA. See Veterans Affairs, Department of claims-made policy, Aug. 56 Fees for services, Jan./Feb. 10, 12 * Does Your E&O Coverage Fit Your FHA. See Federal Housing Administration Company’s Exposure?, Aug. 56-60 FIABCI Chapter and Members Forum, The Insurance Marketplace, Aug. 60 Jan./Feb. 20 liability, Jan./Feb. 19; Aug. 12, 56-60 FIABCI-USA, Jan./Feb. 20 Escrow accounts Fiduciary duties, July 51-52; Oct. 52 lender failures, Oct. 34-36 Rhode Island Association of REALTORS®, arthquakes ESMBA. See Empire State Mortgage Oct. 34-36 WB San Francisco, July 14, 16, 17, 19, 20 Bankers Association Financial Institutions Reform, Recovery, Eastern Europe Estimated taxes, March 28, 42 and Enforcement Act, July 38 * The Curtain Draping the East Has Exchanges Financial planning Lifted, July 59-61 like-kind, Jan./Feb. 59-60; Aug. 52-54 * Buy and Sell Real Estate with Tax- hotels, July 61 tax-deferred, Aug. 52-54 Deductible Dollars, April 20-22 housing, July 59 Expired listings, Jan./Feb. 38 * Make Your Retirement Dreams investment in, May 60; July 59-61 Come True, April 14-19 office space, July 60, 61 * Should You Lease Your Auto?, July 40-44 privatization, June 12; July 59-61 * Take Charge of Your Credit Card shopping centers, Oct. 61 Spending, Sept. 26-30 * When Success Isn’t Measured by Profit, Financing, real estate. See also Investors, July 60 working with; Lenders, working with; Eating habits, July 24-25 air housing Mortgage loans Economics and Research Division BBB Code of Ethics, Aug. 4 auctioned properties, Oct. 44 (the Association’s), May 14; Oct. 12 Equal Opportunity Committee bridge loans, March 34-35 Economy, U.S. (the Association’s), Aug. 4 * Buy and Sell Real Estate with Tax- * The Chairman Always Wrings Twice, Fair Housing Act, July 38 Deductible Dollars, April 20-22 Jan./Feb, 22-25 Fair Housing Amendments Act of 1988, buy-downs, Jan./Feb. 50-55; April 24-25; Education April 30; Aug. 4 June 42 * Avoid School Daze, Jan./Feb. 44-47 National Association, Nov./Dec. 60 * Buy-downs Regain Spotlight in Sluggish continuing, Jan./Feb. 44-47; March 26 record keeping, Aug. 4 Markets, Jan./Feb. 50-55 local boards, Jan./Feb. 18, 19 Rouda, Harley E., Aug. 4 * Channel Buyers into an Energy-Saving EEMs. See Energy-efficent mortgages Fair Housing Amendments Act of 1988, Alternative, May 40-41 8824 form, Sept. 60 Aug. 4 community home-improvement loans, Empire State Mortgage Bankers AIDS, April 30 May 42 Association (ESMBA), Aug. 55 Families Insisting on Safe Tenancies (FIST), * Creative Financing, June 42 Energy conservation Aug. 19 down payments, low, Aug. 48-51 Alliance to Save Energy, May 12 Fanarjian v. Moskowitz, Oct.8 * Dual-Purpose Loan, May 42 energy-efficient mortgages, May 12, 40-41 Fannie Mae. See also Financing, real estate; energy-efficient mortgages, May 40-41 National Association, May 12 Mortgage loans ¢ FHA Assumptions: Unraveling the Rules, National Association of Home Builders, ARMs, Jan./Feb. 51 March 36-40 May 41 buy-downs, Jan./Feb. 52, 53 * Get Sellers to Say Yes to Buy-downs, Rouda, Harley E., May 12 CD ARMs, June 42 April 24-25 South Carolina Association of community home-improvement loans, * Help Minority Homebuyers Get a Fair REALTORS®, May 12 May 42 Shake in the Lending Office, July 34-38 Energy-efficient mortgages (EEMs), May 12 energy-efficient mortgages, May 40-41 * Help the Well-heeled Borrower Get a * Channel Buyers into an Energy-Saving lenders, Aug. 40 Loan, Oct. 39-41 Alternative, May 40-41 low-documentation loans, June 37 * How High Can ARMs Go?, Sept. 36-38 DVA, May 41 Time Saver Plus program, June 37 * How Much of a Down Payment Is Fannie Mae, May 40-41 Farming, Jan./Feb. 39. See also Marketing; Enough?, Aug. 48-51 FHA, May 41 Prospecting * Map Out an Easy Way for Buyers to Freddie Mac, May 41 direct mail, April 34 Compare Mortgages, June 40-41 Entertainment * Knock Out the Competition, April 34-35 * New ARM, June 42 deductibility, March 26 software, Nov./Dec. 22-23 progress payments, June 57 record keeping, March 27 techniques, April 34-35 * Put Multiple Loans in Perspective, Envelopes, information, Aug. 29-30 Fax machines, Jan./Feb. 35 Oct. 42-43 Environment, safeguarding modem, Aug. 28 real estate-owned properties, Oct. 58, 59 golf course development, Oct. 57 portable, Aug. 27-28 seller financing, Jan./Feb. 50-55; April 13, recycling, July 54-58; Nov./Dec. 19 FDIC. See Federal Deposit Insurance 24-25; June 37, 42 Environmental hazards Corporation “turnkey” method, June 57 air pollution, indoor, June 63; July 31; Federal Deposit Insurance Corporation * Why Buyers May Want to Poach Their Nov./Dec. 14-18 (FDIC), Sept. 62 Own Nest Egg, Sept. 34-35 asbestos, Jan./Feb. 62; July 62 Federal Home Loan Mortgage Corporation. Fires, Jan./Feb. 62-63 assessments, June 57 See Freddie Mac FIRREA. Sze Financial Institutions Reform, disclosure of, May 4; Aug. 8 Federal Housing Administration (FHA) Recovery, and Enforcement Act radon, Nov./Dec. 36 buy-downs, Jan./Feb. 52, 53, 55 First-time buyers sick building syndrome, June 63 energy-efficient mortgages, May 41 * “Times a Changin,” Aug. 38 64 REAL ESTATE TODAY® FIST. See Families Insisting-on Safe Association. See Ginnie Mae Disasters, July 16 Tenancies Graphics Income-producing properties, Fixed-rate mortgages. See also Mortgage listing presentations, Jan./Feb. 42 Jan./Feb. 59-60 loans Gross closed commissions (GCCs). rural rental property, Sept. 56-58 buy-downs, Jan./Feb. 51, 53 See Commissions Independent contractors Regulation Z, Nov./Dec. 44-45 Ground leases, Jan./Feb. 59-60 criteria for, June 50 Flea markets, Aug. 23 Group Investment Committee (the IRS, April 26 Florida Rock Industries v. United States Association’s), Jan./Feb. 20 tax implications, June 50 taking of property, government, June 8 Guide to the Regionalization of Multiple 1099 form, April 26 Fiyers Listing Services, April 4 Individual retirement accounts. See IRAs boxes, information, Aug. 29-30 Guidelines for Planning and Developing a Industrial real estate conventions, Sept. 23, 24 Public Golf Course, Oct. 57 development, Sept. 62 tubes, information, Aug. 29-30 America’s Future Industrial Space Needs: Flynn, Norman D., Preparing for the Year 2000, Sept. 62 disasters, natural, July 16 Information boxes/tubes. See Boxes, Eastern Europe, real estate industry in, information; Tubes, information June 12 Institutional ads, Sept. 46, 47-48 Foreclosures, April 26 Insurance. See also Errors and omissions commercial real estate, value of, Sept. 62 ardy v. Griffin (E&O) insurance; Private mortgage Foreign investments environmental hazards, disclosure of, insurance (PMI) Baltic republics, July 59 Aug. 8 liability, March 62-63 * Building Blocs, May 60 Hazards, occupational. See Safety, agent medical, March 28 * The Curtain Draping the East Has Health mortgage, April 26; Aug. 48, 50, 51 Lifted, July 59-61 cholesterol levels, July 24-25 The Insurance Marketplace, Aug. 60 Czechoslovakia, July 59, 60 eating habits, July 24-25 Integrated portable office systems, Aug. 27 Eastern Europe, May 60; July 59-61 * Habits You Can Live With, July 24-25 Interest deductibility. See Deductibility, Moscow, U.S.S.R., July 60 heart disease, July 24-25 interest Poland, July 59, 61 Heart disease, July 24-25 Interest rates Prague, Czechoslovakia, July 60 Heating, ventilation, and air-conditioning changes, May 39 Soviet Union, July 60 systems. See HVAC systems cost-of-funds index, federal (COFT), For-sale-by-owners (FSBOs), Oct. 30 Hewlett-Packard 12C. See HP-12C Oct. 44 The Homebuying and Selling Process: Hiring weighted, Oct. 42-43 1989, May 14, 17 * How Do You Find a Sales Manager Who Internal Revenue Code, March 42; Aug. 52 prospecting, Jan./Feb. 38 Shines?, June 44-50 Section 1031, Sept. 60, 61 * Who’ Behind the FSBO Sign?, May 14-19 Home equity loans, Jan./Feb. 56 Internal Revenue Service (IRS). See * Who’ Behind the FSBO Sign? Part II, deductibility, March 29 also Internal Revenue Code; Aug. 35-37 Home Mortgage Disclosure Act, July 38 Tax Implications * Who’ Behind the FSBO Sign? Part III, The Homebuying and Selling Process: 1989, automobiles, March 24, 26 Oct. 25-26 May 14, 17 business tools, March 26 401(k) plans Hot lines, legal, July 4 deductibility, March 24, 26, 28-29, 42 down payments, Sept. 34-35 Hotels 8824 form, Sept. 60 Fraud Eastern Europe, July 61 entertainment, March 26 loan origination, illegal fees for, Aug. 55 Poland, July 61 equipment transactions, Sept. 61 Jow-documentation loans, June 37 Prague, Czechoslovakia, July 60 estimated taxes, March 28, 42 * Shifty Borrowers No Longer Escape Housing exchanges, Aug. 52-54 Lender Scrutiny, June 34-37 Poland, July 59 * Horse-trading with the IRS, Aug. 52-54 Freddie Mac. See also Financing, real estate; Housing and Urban Development. See HUD independent contractors, April 26 Mortgage loans HP-19BII * The IRS Gives Commercial Real Estate ARMs, Jan./Feb. 51 weighted interest, solving for, Oct. 43 Good News, Sept. 60-61 buy-downs, Jan./Feb. 52, 53 HP-12C, Sept. 36, 37-38 ° It’s Tax Time!, March 24-30 energy-efficient mortgages, May 41 * Presto! Qualify Buyers with Calculator points, March 42 low-documentation loans, June 37 Magic, May 34-39 record keeping, March 26-27; April 26 FSBOs. See For-sale-by-owners weighted interest, solving for, Oct. 43 “safe harbors” regulations, Sept. 60-61 FTC. See Federal Trade Commission HUD self-employment tax, March 27-28 AIDS, April 30 seminars, March 26 assumption of loans, rules for, tax-free transactions, Sept. 60-61 March 36-37, 39-40 1099 form, April 26 computerized loan origination, travel, March 26 Jan./Feb. 10, 12 Interviewing fair housing law, July 37, 38 sales agents, prospective, june 26-27 abrielli v. Cornazzani, May 8 fee caps, Jan./Feb. 10, 12 sales managers, prospective, June 48, 49 WB GCCs. See Commissions multiple-lender requirement, Jan./Feb. 12 Investment properties. See Commercial- Gerard v. Peterson, March 8 RESPA, Jan./Feb. 10, 12 investment real estate; Income- Ginnie Mae. See also Financing, real estate; Hurricane Hugo, July 14, 16, 17, 18, 19, 20 producing properties Mortgage loans HVAC systems Investors, working with. See also Buyers, buy-downs, Jan./Feb. 55 air pollution, indoor, Nov./Dec. 16-18 working with; Financing, real estate; Giveaways. See also Closing gifts Real estate as an investment; Sellers, conventions, Sept. 23, 24 working with; Tax implications Goal setting, March 53, 54, 56; May 58; deductibility, interest, Jan./Feb. 58-60 June 26; Aug. 61 * Know the Art of Shaping Transactions, Golf course development Jan./Feb. 58-60 environment, safeguarding, Oct. 57 real estate-owned properties, Oct. 58, 60 * You Can't Just Putter Around in Golf mage rural rental property, Sept. 56-58 Course Development, Oct. 54-57 WB company, Jan./Feb. 31; June 26; July 54 self-directed investment plans, April 22 Government Affairs Division (the public, of practitioners, Jan./Feb. 19; * Show Interest in Today's Deductions, Association’s), June 10 June 10; Aug. 35, 36 Jan./Feb. 60 Government National Mortgage The Impact and Response to Natural JANUARY/IFEBRUARY 1992 65 IRAs disasters, natural, July 19 * How Do You Find a Sales Manager Who deductibility, March 28; April 18-19 disclosure, Jan./Feb. 19; March 4; May 4, Shines?, June 44-50 down payments, Sept. 34, 35 8; Aug. 12, 13 liability, avoiding, April 52 investment in real estate, April 20-21 * Does Your E&O Coverage Fit Your meetings, sales, Jan./Feb. 35; retirement planning, April 18-19 Company’s Exposure?, Aug. 56-60 March 53, 54 Super IRA, Sept. 34 drug activity, July 8 * More Days, More Agency IRS. See Internal Revenue Service education, Jan./Feb. 19 Dilemmas, Oct. 51-52 environmental hazards, May 4 motivating agents, Jan./Feb. 36-39; E&O insurance, Jan./Feb. 19 March 52, 53 insurance, March 62-63 productivity, sales, Jan./Feb. 36-39; lease breaking, Oct. 8 March 52; April 48 legal hot lines, July 4 professionalism, March 52, 53, 54 loan origination, illegal fees for, Aug. 55 profitability, March 53, 54 D. Power and Associates survey misrepresentation, April 8; Aug. 12, 13 recruiting, April 45-46; May 53 WB automobiles, buying or leasing of, Libel, Aug. 8 * Retaining Superstars, June 51 July 42 Library (the Association’s), March 10 rewards, March 52 office equipment, mobile, Aug. 28 Like-kind exchanges. See Exchanges safety, agent, Sept. 16, 17 Jumbo loans, Oct. 39-41 Listings, Jan./Feb. 36-37. See also Multiple * Sharpen Your Management Skills, Junk mail listing service April 42-46 time management, June 51] * Achieve the Winning Edge, July 28-30 stress, coping with, Jan./Feb. 35 action plans, July 29 superstars, June 51 disclosure, seller, Aug. 13 synergy, manager-agent, March 53, 54 * Doing It by the Book, Jan./Feb. 40-43 * Tell Me What You Really Think, expired, Jan./Feb. 38 March 52-54 preparation, July 28-29 time management, March 52-53, 54 presentations, Jan./Feb. 40-43; training, March 52, 53; April 48-50 eogh plans July 29-30; Oct.30 Management Team (the Association’s), GH deductibility, March 28 pricing homes, Aug. 10 Jan./Feb. 21; April 4 down payments, Sept. 34, 35 * Spread the Word About Listings, Mandatory seller disclosure, Aug. 12-13 investment in real estate, April 20-21 Aug. 29-30 Manitoba West Owners Association v. DSL retirement planning, April 17-18 Loans, mortgage. See Mortgage loans Construction Corp., Don S. Levin, et al., Los Angeles May 8 Azul Pacifico, Inc., v. City of Los Marketing. See also Advertising; Farming; Angeles, Sept. 8 Prospecting mobile-home parks, Sept. 8 auctions, July 49 property taxes, Oct. 10 boxes, information, Aug. 29-30 rent control, Sept. 8 build-to-suit developments, June 54 AN (local area networks). See Loveladies Harbor Inc. v. United States cable television, March 46-51 oe, Computers taking of property, government, June 8 commercial-investment real estate, Landscaping Low-documentation loans, June 37 March 58-61; April 54-58, 60-61 * Cooperative Landscaping, March 63 during disasters, natural, July 19 developers, March 63 envelopes, information, Aug. 29-30 maintenance, Jan./Feb. 62; March 63 flyers, information, Aug. 29-30 management, Jan./Feb. 62 ° “Home Gifts,” Nov./Dec. 49 Las Vegas * Make Your Film Debut, May 26-29 Annual Convention, July 12 * Move Your Property into a Prospect’s Leasing. See also Apartment buildings; agazines Office, April 60-61 Property management; Renting; as advertising, Sept. 46, 47 office space, March 58-61 Tenants Mailing real estate-owned properties, Oct. 58-60 commercial-investment real estate, cost-cutting measures, April 46 * Reap a Harvest of Information, March 58-61; April 62 lists, March 20 May 44-51 concessions, March 61 * Personalizing Mail, Jan./Feb. 48 * Should You Prospect for Commercial lease breaking, Oct. 8 Maine Association of REALTORS®, REO?, Oct. 58-60 office space, March 58-61 Jan./Feb. 8 * Simple Adjustments, May 30 subleasing, Oct. 8 Management, real estate office. See also spec properties, June 54 * Woo Tenants by Knowing Your Building, Real estate brokerage; Recruiting; * Spread the Word About Listings, March 58-61 Training Aug. 29-30 Legal hot lines, July 4 accessibility of managers, March 52, surveys, May 44-51 Lenders, working with. See also Financing, 53, 54 tubes, information, Aug. 29-30 real estate; Mortgage loans agents, working with, March 52-54 videos, April 60-61; May 26-29 * Go on a Journey with Alice in * Agents’ Personal Problems Can Chip * Weave a Newsletter into Your Marketing Lenderland, Aug. 40-45 Away at Your Profits, Nov./Dec. 50-53 Plan, April 54-58 * Help Minority Homebuyers Get a Fair ¢ Are You Management Material?, * Woo Tenants by Knowing Your Building, Shake in the Lending Office, July 34-38 July 21-22 March 58-61 * Help the Well-heeled Borrower Get a * Coaching a Seasoned Team Takes Marriage, balancing with career Loan, Oct. 39-41 Repetition, April 48-50 * For Better or Worse: Weaving Sales with * Lender Failures May Leave Sales, and communication skills, March 52 Marriage, Oct. 14-19 Money, in a Deep Freeze, Oct. 34-38 computer networks, Oct. 48 Marshals Service, U.S. Justice Department liability, Aug. 55 cost-cutting measures, April 44-46 seizure and forfeiture, drug-related, real estate-owned properties, Oct. 58-60 disaffiliation, March 54 Aug. 16, 18, 20 * Shifty Borrowers No Longer Escape during disasters, natural, July 18 Maryland Lender Scrutiny, June 34-37 * Evaluate Your Strategic Planning Process, drug activity, Aug. 19 * Should You Prospect for Commercial Aug. 61-62 Maryland Casualty Co. v. Reeder, March 62 REO?, Oct. 58-60 goal setting, March 53, 54, 56; MBA. See Mortgage Bankers Association Liability May 58; Aug. 61 Media, news, working with air pollution, indoor, June 63 * Help Agents Reach New Sales Heights, disasters, natural, July 20 avoiding, April 52 Jan./Feb. 36-39 newsletters, April 58 66 REAL ESTATE TODAY® public relations, July 53 Jan./Feb. 20 Mediation auctions, Oct. 12 Dispute Resolution System (the Real estate Board of Directors, Aug. 12 Association's), Nov./Dec. 10 Careers in Real Estate, Oct. 12 Medical insurance loday Code of Ethics, April 10; Aug. 4; deductibility, March 28 Nov./Dec. 60 Meetings. See also Conventions commercial boards of REALTORS®, * Meeting of the Minds, March 56 Sept. 10 sales, Jan./Feb. 35; March 53, 54, 56 Communications Committee, Jan./Feb. 19 Meltdown, Oct. 52 Communications Research Department, Member Policy Division (the Association’s), May 17; Aug. 36 April 12 computerized loan origination, Membership Policy and Board Jurisdiction Jan./Feb. 10, 12 Committee (the Association’s), Sept. 10 credit cards, Sept. 28, 30 Mentors, April 52 disasters, natural, July 16 Metropolitan Tulsa Board of REALTORS® disclosure, seller, March 4; Aug. 12-13 lender failures, Oct. 37 Dispute Resolution System, Nov./Dec. 10 Midyear Conference (the Association’s) divorce rate of membership, Oct. 16 disclosure, seller, Aug. 12 Driesler, Stephen, Jan./Feb. 10, 12 Mileage, business, July 43, 44 drug activity, July 8; Aug. 20 Minorities Drug Activity & Property Seizure the Association membership, Oct. 12 Moscow, U.S.S.R. Working Group, July 8 * Wanted: Minority Members, Oct. 12 foreign investment in, July 60 Eastern Europe, June 12 Minority Recruiting Guide, Oct. 12 Motivation Economics and Research Division, Misrepresentation sales agents, Jan./Feb. 36-39; May 14, 17; Oct. 12 disclosure, Aug. 12, 13 March 52, 53 energy conservation, May 12 innocent, April 8 Move-up buyers energy-efficient mortgages, May 12 negligent, April 8 * How Much of a Down Payment Is E&O insurance, Jan./Feb. 19; Aug. 59 MIT-Harvard Joint Center for Housing Enough?, Aug. 48-51 Equal Opportunity Committee, Aug. 4 Studies, May 40 Multiple-lender issue, Jan./Feb. 12 fair housing, Aug. 4; Nov./Dec. 60 MLS. See Multiple listing service Muliple Listing Policy Committee FIABCI Chapter and Members Forum, MMIF. See Mutual Mortgage (the Association’s), April 4, 12 Jan./Feb. 20 Insurance Fund Multiple listing service (MLS) FIABCI-USA, Jan./Feb. 20 Mobile-home parks brokerage profitability, Jan./Feb. 20 Flynn, Norman D., June 12; July 16 Azul Pacifico, Inc., v. City of Los Angeles, computerization, Nov./Dec. 30 Government Affairs Division, June 10 Sept. 8 regionalization, Jan./Feb. 20; Group Investment Committee, California, Sept. 8 April 4, 12-13 Jan./Feb. 20 Hall v. City of Santa Barbara, Sept. 8 stigmatized properties, disclosure of, Guide to the Regionalization of Multiple Los Angeles, Sept. 8 April 31 Listing Services, April 4 rent control, Sept. 8 Multiple loans The Homebuying and Selling Process: Santa Barbara, California, Sept. 8 * Put Multiple Loans in Perspective, 1989, May 14, 17 Mortgage Bankers Association (MBA), Oct. 42-43 HUD, Jan./Feb. 10, 12 Jan./Feb. 10 Murder image, public, of practitioners, Mortgage interest deductibility, Jan./Feb. 20 safety, agent, Sept. 12, 14, 15 Jan./Feb. 19; May 17; June 10; Mortgage loans. See also Financing, real Mutual Mortgage Insurance Fund (MMIF), Aug. 35, 36 estate March 38 The Impact and Response to Natural alternative-documentation, Aug. 43 Disasters, July 16 ARMs, Jan./Feb. 51-53; Sept. 36-38; library, March 10 Oct. 44; Nov/Dec. 45 Management Team, Jan./Feb. 21; April 4 assumable, March 36-40; Oct. 42-43 Member Policy Division, April 12 balloon, Jan./Feb. 53 Membership Policy and Board biweekly, Nov./Dec. 40 Jurisdiction Committee, Sept. 10 buy-downs, Jan./Feb. 50-55; June 42; AHB. See National Association of Midyear Conference, Aug. 12 Nov./Dec. 45, 46 BB Home Builders minority members, Oct. 12 CD ARMs, June 42 NAIOP. See National Association of Minority Recruiting Guide, Oct. 12 community home-improvement, May 42 Industrial and Office Parks MLS, Jan./Feb. 20; April 4, 12-13 deductibility, March 29 National Academy of Conciliators, Mortgage Bankers Association (MBA), DVA, Jan./Feb. 56; March 39, 40; May 41; Nov./Dec. 10 Jan./Feb. 10 July 36, 45; Aug. 40, 42 National Association of Corporate Real mortgage interest deductibility, energy-efficient, May 12, 40-41 Estate Executives Conference, June 63 Jan./Feb. 20 FHA, March 36-40; April 26; May 41; National Association of Home Builders Multiple Listing Policy Committee, July 36, 37; Aug. 40, 42, 50 (NAHB) April 4, 12 * FHA Assumptions: Unraveling the Rules, energy-efficient houses, May 41 North, William D., Nov./Dec. 58-60 March 36-4C National Association of Industrial and Presidential Advisory Group on Alternate fixed-rate, Jan./Feb. 51, 53; Office Parks (NAIOP), Sept. 62 Commercial Structures, Sept. 10 Nov./Dec. 44-45 NATIONAL ASSOCIATION OF REALTORS®. Professiona! Stendards Committee, information, April 26 See also Board of REALTORS®; April 10 insurance, April 26 State associations of REALTORS®; professionalism, June 10 jumbo, Oct. 39-41 specific institutes, societies, Public Relations Division, June 10 low-documentation, June 37 and councils REALTOR® Image Research, May 17; * Map Out an Easy Way for Buyers to AIDS, April 30 Aug. 35 Compare Mortgages, June 40-41 AIREA, Jan./Feb. 20 REALTOR® Self-Image Value Attitude multiple, Oct. 42-43 Alliance to Save Energy, May 12 Study, Oct. 16 95 percent home, April 26 Annual Convention, July 8 REALTORS® Political Action Committee, origination, illegal fees for, Aug. 55 Antitrust and Real Estate education June 4 silent, June 37 program, Nov./Dec. 10 REALTORS® Products and Services, superjumbo, Oct. 39-41 appraiser certification and licensure, Oct. 12 JANUARY/IFEBRUARY 1992 67 RESPA, Jan./Feb. 10, 12 March 58-61 Productivity, sales, Jan./Feb. 36-39; RESSI®, Jan./Feb. 20 Offshore investments. See Foreign March 52, 56; April 48 Risk Reduction Committee, March 4 investments Professional Standards Committee (the Rouda, Harley E., Jan./Feb. 10, 12, 14-21 Oklahoma Association’s), April 10 RTC, April 13 lender failures, Oct. 37-38 Professionalism, March 52, 53, 54; June 10 seizure and forfeiture, Aug. 20 stigmatized properties, disclosure of, Profitability State and Municipal Legislation April 30-31 * Does Your E&O Coverage Fit Your Committee, July 8 Oklahoma City Company’s Exposure?, Aug. 56-60 stigmatized properties, disclosure of, lender failures, Oct. 37, 38 * How Do You Find a Sales Manager Who April 30, 31 100 percent companies Shines?, June 44-50 National Conference of Commissioners on commissions, June 26 * Profits Are Squeezed As Agents Become Uniform State Laws 1-0 buy-downs, Jan./Feb. 52 Hot Commodities, Jan./Feb. 26-30 seizure and forfeiture, Aug. 20 1-1-1 buy-downs, Jan./Feb. 52-53; April 25 real estate brokerage, Jan./Feb. 4, 18, 20, Natural disasters. See Disasters, natural Open houses 26-30, 31; March 53, 54; April 4, Negligence, broker, March 8 safety, agent, Sept. 12, 14-15 42-46; May 4; June 44-50; Aug. 56-60; Neighborhood Watch Organizers, electronic, Aug. 26 Oct. 46-50 community involvement, Sept. 25 * Sharpen Your Management Skills, newsletters, Sept. 25 April 42-46 safety, agent, Sept. 17 * Will a Network Help You LANd More Networking Sales?, Oct. 46-50 conventions, Sept. 22, 23, 24 Progress payments, June 57 newsletters, Sept. 25 Promotion, self-. See Self-promotion * Promotional Discounts, Aug. 63 agers, Aug. 26 Property information disclosure forms. Networks, computer. See Computers G88 Parking lots, Aug. 23 See Disclosure New York Passive income, Jan./Feb. 58-59, 60 Property management. See also Apartment caveat emptor, April 30 Pending gross commissions (PGCs). See buildings; Leasing; Renting; Tenants dual agency, Aug. 55 Commissions air pollution, indoor, Nov/Dec. 14-18 loan origination, illegal fees for, Aug. 55 Pension plans drug activity, Aug. 19 stigmatized properties, disclosure of, Simplified Employee Pension Plan (SEP), recycling, July 54-58; Nov./Dec. 19 April 30 March 28; April 18 * Savvy Management, Jan./Feb. 63 News releases Perks, Jan./Feb. 26, 28, 30, 31 Property taxes conventions, Sept. 23-24 Personal problems, sales agents’, California, Oct. 10 Newsletters Nov/Dec. 50-53 Detroit, Oct 10 commercial-investment real estate, Personal shoppers, June 14, 16-19 Los Angeles, Oct. 10 April 54-58 Personality types, March 17 Proposition 13, Oct. 10 community involvement, Sept. 25 Pets Proposition 13 (California) media, news, working with, April 58 * Precautionary Measures, Aug. 38 property taxes, Oct. 10 * Neighborhood News, Sept. 25 PGCs. See Commissions Prospecting, Jan./Feb. 37, 38, 39. Neighborhood Watch, Sept. 25 Phoenix Board of REALTORS® See also Farming; Marketing networking, Sept. 25 safety, agent, Sept. 14, 15 expired listings, Jan./Feb. 38 recycling, Sept. 25 Photocopiers, portable, Aug. 28 FSBOs, Jan./Feb. 38 * Weave a Newsletter into Your Marketing Plainfield, Illinois * Weave a Newsletter into Your Marketing Plan, April 54-58 tornado, July 14, 16, 17, 20 Plan, April 54-58 Newspapers PMA. See Positive mental attitude Public relations. See also Marketing; Media, advertising, Sept. 46-47 PMI. See Private mortgage insurance news, working with 1990 Housing Finance Survey, Aug. 38 Points * Spread the Word, July 53 95 percent home loan, April 26 deductibility, March 42 Public Relations Division (the North, William D. Poland Association’s), June 10 * William D. North: Keeper of the Flame, foreign investment in, July 59, 61 Public speaking Nov./Dec. 58-61 hotels, July 61 * Now Hear This!, Sept. 20-21 Northwestern University/Evanston Research housing, July 59 Park, April 63 office space, July 61 privatization, July 59 Pollution, indoor air. See Air pollution, indoor Positive mental attitude (PMA), Sept. 4; Nov./Dec. 4 ualifying buyers conventions, Sept. 22 WH ARMs, Jan./Feb. 51, 52 ffers Prague, Czechoslovakia assumption of loans, March 37, 38, 39, 40 WH presenting, April 40 foreign investment in, July 60 buy-downs, Jan./Feb. 51, 52, 53, 55 Office, real estate. See also Management, hotels, July 60 calculators, use of, May 34-39 real estate office office space, July 60 DVA loans, Jan./Feb. 55; March 39, 40 business tools, Jan./Feb. 35 Precautions, safety, Sept. 16-17 energy-efficient mortgages, May 40, 41 in home, March 26 Presentations. See Listings FHA loans, March 36-38 space, March 53 Presidential Advisory Group on Alternate lenders, working with, Aug. 43 Office space. See also Leasing; Property Commercial Structures minority buyers, July 37 management (the Association’s), Sept. 10 * Presto! Qualify Buyers with Calculator amenities, March 60 Press releases. See News releases Magic, May 34-39 America’s Future Office Space Needs: Pricing homes, Aug. 10 software, Nov./Dec. 26 Preparinfgo r the Year 2000, Sept. 62 adjustments (in natural disasters), July 17 demand for, Sept. 62 Printers, portable, Aug. 27, 28 Eastern Europe, July 60, 61 Private mortgage insurance (PMI), April 26; leasing, March 58-61 Aug. 48, 50, 51; Sept. 35 Poland, July 61 Privatization Prague, Czechoslovakia, July 60 Eastern Europe, June 12; July 59-61 Soviet Union, July 60 Poland, July 59 adon * Woo Tenants by Knowing Your Building, Problem-solving, Oct. 4 WB detection kits, Nov./Dec. 36 68 REAL ESTATE TORAY SO Rape REALTORS® Products and Services, Oct. 12 RESPA. See Real Estate Settlement safety, agent, Sept. 12, 14, 15 Record keeping Procedures Act Real Estate Applications Software automobiles, March 24, 27; July 44 RESSI®. See REAL ESTATE SECURITIES AND Directory, Nov./Dec. 24 credit cards, Sept. 30 SYNDICATION INSTITUTE® Real estate as an investment. See also entertainment, March 27 Retirement Commercial investment real estate; fair housing, Aug. 4 * Make Your Retirement Dreams Come Income-producing properties; IRS, April 26 True, April 14-19 Investors, working with; Tax ¢ It’s Tax Time!, March 24-30 planning, March 28; April 14-19 implications tickler files, April 40 Revenue Reconciliation Act of 1990, * Buy and Sell Real Estate with Tax- travel, March 27 March 27 Deductible Dollars, April 20-22 Recruiting Rewards deductibility, interest, Jan./Feb. 58-60 * Cultivating Recruits, May 53 motivation, March 52 * Know the Art of Shaping Transactions, disabilities, agents with, Nov./Dec. 49 Rhode Island Jan./Feb. 58-60 slow market, April 45-46 lender failures, Oct. 34 rural rental property, Sept. 56-58 Recycling Rhode Island Association of REALTORS® Real estate brokerage. See also Advertising; community involvement, Sept. 25 fiduciary duties, Oct. 34-36 Brokers, real estate; Management, real * Don't Throw Away a Good Idea, lender failures, Oct. 34-36 estate office; Marketing; Office, real July 54-58 Risk Reduction Committee estate newsletters, Sept. 25 (the Association’s) advertising, April 44-45; May 58-59 paper, Sept. 49 disclosure, March 4 agency, Sept. 42-45 * The Right Questions, Nov/Dec. 19 Rodgers v. Johnson, April 8 * Another Day, Another Agency Reda v. Sincaban, April 8 Rouda, Harley E. Dilemma, Sept. 42-45 Redlining, July 34, 37, 38 commercial boards of REALTORS®, competition for agents, Reed v. King Sept. 10 Jan./Feb. 26-30, 31 stigmatized properties, disclosure of, disclosure, March 4; May 4; Aug. 13 * Does Your E&O Coverage Fit Your April 28 energy conservation, May 12 Company’s Exposure?, Aug. 56-60 Referrals environmental hazards, May 4 feedback, buyer and seller, May 44-51 closing gifts, June 22 fair housing, Aug. 4 * How Do You Find a Sales Manager Who relocation, May 53 fee caps, Jan./Feb. 10, 12 Shines?, June 44-50 Regulation Z, April 25 HUD, Jan./Feb. 10, 12 ¢ Is It Time to Travel the Auction Route?, adjustable-rate mortgages, Nov./Dec. 45 legal hot lines, July 4 July 46-50 annual percentage rate (APR), MLS, Jan./Feb. 20; April 4 * Keep in Step with Your Market, May Nov./Dec. 44-45, 46 multiple-lender issue, Jan./Feb. 12 54-59 buy-downs, Nov/Dec. 45, 46 positive mental attitude, Sept. 4; * More Days, More Agency Dilemmas, * Do Your Ads Satisfy the Reg Z Patrol?, Nov./Dec. 4 Cet. 51-52 Nov./Dec. 42-46 problem-solving, Oct. 4 profitability, Jan./Feb. 4, 18, 20, 26-30, fixed-rate loans, Nov./Dec. 44-45 profitability, real estate brokerage, 31; March 53, 54; April 4, 42-46; seller financing, Nov/Dec. 44 Jan./Feb. 4, 18, 20; April 4; May 4 May 4; June 44-50; Aug. 56-69; Relocation REALTORS® Political Action Committee, Oct. 46-50 * Anticipating Needs, Jan./Feb. 48 June 4 * Profits Are Squeezed As Agents Become buyer brokerage, Oct. 51 * The View from the Top: Harley Rouda Hot Commodities, Jan./Feb. 26-30 commercial-investment real estate, Speaks Out, Jan./Feb. 14-21 public relations, July 53 April 62 RPAC. See REALTORS® Political Action * Reap a Harvest of Information, * Lights! Camera!, Oct. 30 Committee May 44-51 * On the Move, April 62 RTC. See Resolution Trust Corporation recruiting, April 45-46 referrals, May 53 RTC Task Force (the Association’s), April 13 * Sharpen Your Management Skills, * Taping Story Time, May 30 Rural rental property April 42-46 videos, May 26-28; Oct. 30 ¢ Blaze a Trail to a New Market, slow market, May 54-59 REM +, Sept. 36, 38 Sept. 56-58 strategic planning, May 58 Rent control surveys, May 44-51 California, Sept. 8 telephones, April 45 Los Angeles, Sept. 8 * Will a Network Help You LANd More mobile-home parks, Sept. 8 Sales?, Oct. 46-50 Santa Barbara, California, Sept. 8 Real Estate Brokerage 1988: Income, Rental property Expenses, Profits, Jan./Feb. 26 deductibility, March 28 afe harbors regulations, Sept 60-61 Real Estate Management, People, rural, Sept. 56-58 WB Safety, agent Functions, Systems, July 22 Renting, Oct. 8. See also Apartment * Attacks on Agents Make Headlines, Real Estate Master Plus. See REM + buildings; Leasing; Property Sept. 12-15 REAL ESTATE SECURITIES AND management; Tenants * Be an Agent, Not a Victim, Sept. 16-17 SYNDICATION INSTITUTE® REO. See Real estate-owned properties managers, Sept. 16, 17 (RESSI®), Jan./Feb. 20 Research parks, April 63 murder, Sept. 12, 14, 15 Real Estate Settlement Procedures Act Reservists open houses, Sept. 12, 14-15 (RESPA), Jan./Feb. 10, 12 home equity, Jan./Feb. 56 precautions, Sept. 16-17 Real estate-owned properties (REO) mortgage loans, Jan./Feb. 56 rape, Sept. 12, 14, 15 * Should You Prospect for Commercial Resolution Trust Corporation (RTC) Sales agents, real estate. See also Buyers, REO?, Oct. 58-60 Driesler, Stephen D., April 13 working with; Commissions; REALTOR® Image Research, May 17; Aug. 35 foreclosed commercial real estate, Compensation; Investors, working REALTOR® Security System value of, Sept. 62 with; Lenders, working with; Sellers, safety, agent, Sept. 15 lender failures, Oct. 34, 38 working with; Tax implications REALTOR® Self-Image Value Attitude Study Oversight Board, April 13 accessibility of managers, divorce rate of the Association Seidman, William, April 13 March 52, 53, 54 membership, Oct. 16 seller financing, April 13 * Achieve the Winning Edge, July 28-30 REALTORS NATIONAL MARKETING Task Force (the Association’s), April 13 * Are You Management Material?, INSTITUTE®, July 22 Weigand, Nestor R., Jr., April 13 July 21-22 REALTORS® Political Action Committee * Working with the RTC: No Pain, * Attacks on Agents Make Headlines, (RPAC), June 4 No Gain, Sept. 50-55 Sept. 12-15 JANUARY/FEBRUARY 1992 69 attitude, positive mental, June 25; Hot Commodities, Jan./Feb. 26-30 disasters, natural, July 17, 20 Sept. 4, 22; Nov./Dec. 4 public speaking, Sept. 20-21 disclosure, Aug. 8 * Be an Agent, Not a Victim, Sept. 16-17 record keeping, April 40 exchanges, Aug. 52-54 bonus, Jan./Feb. 26, 28-30 retirement planning, April 14-19 feedback, May 44-51 business cards, March 22 rewards, March 52 ¢ FHA Assumptions: Unraveling the Rules, business tools, Aug. 24-28 safety, Sept. 12-15, 16-17 March 36-40 * Buy and Sell Real Estate with Tax- self-promotion, Jan./Feb. 40-41, 42; * Get Sellers to Say Yes to Buy-downs, Deductible Dollars, April 20-22 May 29; Sept. 23, 24 April 24-25 changing cempanies, June 25-27 slow market, May 56, 57, 58, 59 home marketability, May 30 cholesterol levels, July 24-25 stress, coping with, April 36-39 * Horse-trading with the IRS, Aug. 52-54 commissions, Jan./Feb. 18, 26, 28, 30, 31, superstars, June 51 listings, July 28-30 36, 37; May 8; June 26; Sept. 49; synergy, manager-agent, March 53, 54 offers, presenting, April 40 Nov./Dec. 8 * Take Charge of Your Credit Card pets, Aug. 38 communication skills, March 52 Spending, Sept. 26-30 seniors, March 19-21 compensation, Jan./Feb. 26-30, 31; team selling, March 12-18 * Simple Adjustments, May 30 Sept. 49 * Tell Me What You Really Think, surveys, 44-51 competition for, Jan./Feb. 26-30, 31 March 52-54 videos, May 28 conventions, Sept. 22-24 time management, March 52-53, 54; ¢ Zone In on the Land-Use Process, credit cards, Sept. 26-30 June 14-19 June 60-62 death of spouse, Nov./Dec. 52 training, March 52, 53; April 48-50; Seminars * Delegate Chores and Save Buckets of June 26 deductibility, March 26 Time, June 14-19 * When Disaster Strikes: How to Cope, Seniors designations, May 59; June 26 July 14-20 demographics, March 19 disabilities, Nov./Dec. 49 * Write All About It!, Oct. 22-24 ¢ Find Gold in Your Community, disaffiliation, March 54 writing skills, July 31; Oct. 22-24 March 19-21 disasters, natural, July 14-20 Sales managers SEP. See Simplified Employee Pension Plan * Dividing the Pie: The Agents’ Viewpoint, * How Do You Find a Sales Manager Who Shopping centers Jan./Feb. 31 Shines?, June 44-50 Soviet Union, Oct. 61 divorce, Nov./Dec. 52 Sales techniques * Pinpoint New Tenants, Oct. 61 dual agency, Aug. 55 * Pair Up for Success, March 12-18 tenants, Jan./Feb. 62; Oct. 61 eating habits, July 24-25 team selling, March 12-18 Sick building syndrome, June 63 education, May 59 Sales tools Silent mortgages, June 37 ¢ Find Calm in the Eye of the Storm, camcorders, May 26-29 Simmons Market Research Bureau April 36-39 videos, May 26-29 credit cards, Sept. 30 * For Better or Worse: Weaving Sales with San Francisco Simplified Employee Pension Plan (SEP) Marriage, Oct. 14-19 earthquake, July 14, 16, 17, 19, 20 deductibility, March 28 fraud, June 34, 36-37 Santa Barbara, California retirement planning, April 18 goal setting, March 53, 54; May 58; Hall v. City of Santa Barbara, Sept. 8 S&Ls. See Savings and loan associations June 26; Aug. 61 mobile-home parks, Sept. 8 Slimm v. Yates * “Goin Mobile”: Take Your Show on the rent control, Sept. 8 unauthorized practice of law, June 8 Road, Aug. 24-28 Savings and loan associations (S&Ls) “Smart cards,” Sept. 29 * Habits You Can Live With, July 24-25 crisis, Jan./Feb. 51 Social Security health, July 24-25 SCAR. See South Carolina Association retirement planning, April 14-17 heart disease, July 24-25 of REALTORS® Software. See also Computers * Help Agents Reach New Sales Heights, Secondary mortgage market. See ad writing, Nov/Dec. 25 Jan./Feb. 36-39 Fannie Mae; Freddie Mac; Ginnie Mae; amortization, Nov./Dec. 26 * The Ideal Agent, Aug. 35 Investors, working with * Bring Software Solutions In for a as interviewees, June 26-27 Security Landing, Nov./Dec. 22-26 as investors, April 20-22 computer networks, Oct. 49 CMAs, Nov./Dec. 24-25 * It’s Tax Time!, March 24-30 Seidman, William contact tracking, Nov./Dec. 22-23 liability, May 8; Aug. 12, 13, 55 RTC, April 13 desktop publishing, Nov./Dec. 25 libel, Aug. 8 Seizure and forfeiture, drug-related, July 8 farming, Nov./Dec. 22-23 listings, Jan./Feb. 36-37; July 28-30 * Property Seizures Can Shatter Your qualification, Nov./Dec. 26 loan origination, illegal fees for, Aug. 55 Success, Aug. 16-20 Real Estate Applications Software * Make Your Retirement Dreams Come Self-employment tax, March 27-28; April 14 Directory, Nov./Dec. 24 True, April 14-19 Self-promotion Soldiers and Sailors Civil Relief Act, managers, working with, March 52-54 conventions, Sept. 23, 24 Jan./Feb. 56 marriage, balancing with career, listing presentations, Jan./Feb. 40-41, 42 South Carolina Oct. 14-19 videos, May 29 Hurricane Hugo, July 16 meetings, sales, March 53, 54 Seller carryback, March 36, 39 South Carolina Association of REALTORS® mentors, April 52 Seller disclosure, Aug. 12-13 (SCAR) morale, May 56; June 25 Seller financing. See also Financing, energy conservation, May 12 motivation, Jan./Feb. 36-39; real estate Soviet Union March 52, 53 buy-downs, Jan./Feb. 50-55; April 24-25; foreign investment in, July 60 networking, Sept. 22, 22, 24 June 42 office space, July 60 newsletters, Sept. 25 concessions, June 37; Aug. 45 shopping centers, Oct. 61 * Now Hear This!, Sept. 20-21 * Get Sellers to Say Yes to Buy-downs, Spec projects, June 54, 57 perks, Jan./Feb. 26, 28, 30, 31 April 24-25 Stambovsky v. Ackley, Jan./Feb. 8; Oct. 8 personal problems, Nov./Dec. 50-53 Regulation Z, Nov./Dec. 44 State and Municipal Legislation Committee * Personalizing Mail, Jan./Feb. 48 RTC, April 13 (the Association’s) ¢ Plan Your Next Career Move, June 25-27 Sellers, working with. See also For-sale- drug activity, July 8 problem-solving, Oct. 4 by-owners; Seller financing; Tax State associations of REALTORS® productivity, Jan./Feb. 36-39; March 52; implications California, Aug. 18-19, 38 April 48 auctions, July 46-50 legal hot lines, July 4 professionalism, March 52, 53, 54 boxes, information, Aug. 30 Maine, Jan./Feb 8 profitability, March 53, 54 buy-downs, Jan./Feb. 50-55; April 24-25 Rhode Island, Oct. 34-36 * Profits Are Squeezed As Agents Become closing gifts, June 22-24 South Carolina, May 12 70 REAL ESTATE TOBAY®