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16 ON THE WEB WEBSITES TO GET TO KNOW. TRUPLACE declares that it has "the plan for you." By using professional photography and the site's signature interactive floor plan virtual tours, agents can sell listings faster or if you are a property manager, you can use TruPlace to maximize your rental conversion rates. TruPlace can also help you save time if you are looking to grow your business. TruPlace services are designed for all types of places and are used by property managers, real estate professionals, home builders, commercial real estate venues, and event venues. TruPlace's system guarantees 100 percent network uptime, meaning the virtual interactive tours will always work—no matter what device is being used to view them. MATTERPORT is "like a teleporter," according to the site. With an immersive media system, Matterport users create a 3D tour option for homes by creating "Matterport Spaces," which are complete three-dimensional representations of the spaces that allow users to "walk" through the homes as if they were there. Users can easily create flythrough videos by using screen capture software, such as Cam Studio or Quicktime, and then run the screen capture program while navigating through a Matterport Space in the Matterport 3D Showcase for viewing spaces. Matterport has been compared to a Google Street View tool for touring properties. With SLIDEROCKET, you can make professional business presentations designed to engage your audience and deliver tangible results. e site offers a full set of design tools that includes themes and layouts to choose from as well as shapes, charts, tables, pictures, audio, HD video, and Flash. SlideRocket also offers the power of the Internet when making presentations—easily integrate content from free public Web resources. Get started with SlideRocket by importing your existing PowerPoint or Google presentation— import images for quick and easy sharing or import files as editable documents for full compatibility with SlideRocket. MATTERPORT.COM 2 TRUPLACE.COM 1 SLIDEROCKET.COM 3 WHAT IS KEEPING CONSUMER CREDIT DEFAULT RATES LOW? Recent positive economic news and rising consumer confidence helped keep consumer credit defaults at low levels, according to the February 2016 S&P/Experian Consumer Credit Default Indices (SPICE Indices). e composite default index, which consists of the first and second mortgage default rates, the auto loan default rate, and the bank card default rate, bumped up by one basis point from January to February from 0.96 percent to 0.97 percent. e first mortgage rate remained unchanged for the second straight month in February at 0.84 percent. It was down over-the-year by 16 basis points (from 1.00 recorded in February 2015). e first mortgage rate appears to have stabilized after seeing three consecutive minor monthly increases in Q 4. e second mortgage rate, meanwhile, bumped up from 0.60 in January to 0.65 in February, but was down by one basis point over- the-year. e default index rose month-over-month in only one of the five major cities covered in the report, Los Angeles (up four basis points to 0.76 percent). "Low and stable consumer credit default rates confirm the positive picture of the consumer economy seen in recent data on personal income and consumption," said David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices. "Other positive indicators of the consumer economy include continued strong auto sales and rising home prices. Measures of consumer confidence and sentiment remain at high levels after slipping a bit in January and February. Consumer credit usage continues to expand, though January's most recent data showed a somewhat slower pace than in the 2015 fourth quarter." e Federal Open Market Committee (FOMC), the policy making body of the Federal Reserve, began its two-day March meeting with an announcement on the federal funds target rate. e consensus among analysts is that the Fed will not raise the federal funds target rate in this meeting but that another increase will occur later in the year, possibly in the June FOMC meeting. "While inflation is largely absent from current economic reports, the same strong job growth boosting consumer spending may be setting the stage for future price increases or further action from the Fed to raise the interest rate," Blitzer said. "For now, low default rates and a strong consumer economy are in place."

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