I was lucky, I don't have my picture on my card. Mine is 4 years old, just to let you know.
Here in the Columbia metro, we have this wonderful photographer. Almost all of the top agents here use him. He has a fantastic way of taking photos with no background so that they can be easily uploaded into any background that you need at the moment. http://www.ScottKrause.net His work makes it easy for me to pass the digital image on for my business acrads or my recent billboard : http://i81.photobucket.com/albums/j233/mebdreed/DonnaReed1.jpg
Check him out!
I try to make any business expense last at least one year. All I heard everytime I handed out my card was, "Is this your sister?" Or some other comment. -For a whole year! Conversation topic every time. I held out for the year like I had promised myself. I'm not going to have new photos taken just because people can't see that my hair is just altered.
This time, I am actually growing my hair out again. I guess I just like change. :-D
You defenately have to suit the style of photo for the market/demograpic you're targeting. We tend to be high maintenance in Southern California.
The way I'm figuring..every other year should suffice.
BTW, the photo I use now was made at a wedding I attended...I just cropped it to fit my needs, and , it is a much better representation of how I really look versus the expensive "studio" photo I previously used!