1. Trends to Watch in 2015 That Could Make or… Break the Bank *Real Estate Certified for 2 Hours of Continuing Education Credit

2. “A fundamental shift in approach or underlying assumptions.”

3. Real Estate Consumer Profiles, Trends & Behavior  A. Global Marketing shifts to Personal Marketing  B. The Rise of the Individual  C. Millennialism, Money & Marketing  D. Baby Boomers & Retirement Decisions  E. Moving from Complexity to Simplicity

4. Global Marketing Shifts…  The Rise of the Individual Marketplace #1

5. Changing Faces of America…

6. Negotiating Power Shifts to Buyers… http://money.usnews.com/money/personal-finance/articles/2014/12/09/what-real-estate-trends-to-expect-in-2015

7. The Education ‘X’ Factor

8. Will Baby Boomers continue to play golf... Retirement & Shifting Priorities #4

9. Technology Trends, Resources & Gadgetry  A. Big Data Applications (Zillow, Trulia, RPR)  B. The Rise of Self-Publishing  C. Online Rating Systems & Agent Ratings  D. Social Media & Customer Response Time  E. Viral Video Marketing

10. The Battle for the “Mindspace” of the real estate consumer #6

11. The ‘ Lie ’ of Self-Publishing… #7

12. Human Ratings & The Impact on the Real Estate Profession #9

13. Changing Housing Markets  A. Low Housing Inventory  B. Non-Traditional Real Estate Marketing (Auctions)  C. New Construction Anemic, Rental Market  D. Bank Restructuring of REO portfolios  E. International Investors

14. Government: Spending & Regulation  A. Rising Interest Rates and Inflation  B. RESPA Compliance  C. Electoral Politics & Political Gridlock  D. Mortgage Interest Deduction/Flood Insurance  E. IRS – Tax Relief for Distress Sales

15. http://dealbook.nytimes.com/2014/09/29/consumer-agency-penalizes-flagstar-bank-over-mortgage-servicing/?_r=0 $37.5 MILLION

16. Electoral Politics, Political Gridlock & RESPA… #15

17. #18

18. 18 Hour Cities… http://uli.org/wp-content/uploads/ULI-Documents/Emerging-Trends-in-Real-Estate-2015.pdf #20

19. ”Grand Rapids is benefiting from a housing revival after the whole state was severely battered by the great recession” – Forbes Magazine TOP 2015 JOB MARKET http://www.forbes.com/sites/susanadams/2014/12/09/where-the-jobs-will-and-wont-be-in-2015/

20. International Markets, Cultural Diversity & World Events  A. Capital Investments from Foreign Markets  B. Global Shortage of ‘Talent’  C. World Events: Economic, Weather, Pandemics, Terrorism & Black Swans

21. What about the Black Swan? *Outlier *Not Predictable *Carries Extreme Impact #23

22. Make it a Great Year! Lola Audu Audu Real Estate www.audurealestate.com