Uncategorized July 15, 2019

Top Tips for House Hunting Online

Hunting for a new home online is a great place to start your search, but it should not be your end all be all. Good listing agents are excellent at highlighting the best features of the home, but keep in mind there may be more than meets the eye. To make the most of your time and efforts and gather a well-rounded picture of home listings online, keep the following three things in mind.

1) Stay up to date. When you start your search, make sure you find a site that pulls up-to-date listings directly from the multiple listing service (MLS) where real estate agents actively post their most current homes for sale. Many online resources update less often or fail to remove listings that are off the market, making it more difficult to sort through the clutter.

2) Pictures can be deceiving. Real estate photographers are experts at showing a home in the best possible light. Many use tools and strategies to boost appeal, such as a fisheye lens to make areas look larger and creative editing to make colors and textures really pop. But, often listings will not contain photos of unappealing parts of the home, like small closets or outdated bathrooms.

3) See it to believe it. Once you find what appears to be your dream home online, call us, your future real estate agents, and schedule a showing. You want to take the opportunity to vet the home in person and explore every part of it before beginning the offer process. We will help you cover all your bases and will ask questions you may not have thought of.

Uncategorized July 15, 2019

Create an Evacuation Plan for You Pets

An evacuation plan is a necessity for every home, especially if you live in an area where fires, earthquakes, hurricanes, flooding, and other disasters are a possibility. Many homeowners create evacuation plans for their homes and practice them with their kids, but far fewer have considered one for their pets. Take these steps to add your pets to your evacuation plan.

Assign pet evacuation to an adult. Everyone should know how to act during an evacuation, and that includes assigning one parent or adult to the pets. This allows the other parent and the children to focus on their part of the evacuation plan, so there’s no confusion during a high-stress moment when time is of the essence.

Keep evacuation maps and pet carriers readily accessible. If you need to evacuate, you should know exactly where every important item is. If you pets require carriers, keep them in a place that you can access easily.

Practice your plan. Include your pets in your home evacuation drills. It’ll help you see how they will respond and make changes to your plan if necessary. Getting your dog out of a window may not be as simple as you think!

Be prepared in case you get separated from your pets. No matter how much you drill your evacuation plan, it’s possible that a dog or cat will run off while you’re focusing on keeping your family safe. A microchip or a GPS-compatible tag can help you find your pets once it’s safe to return to the area.

DiscountFull Service July 15, 2019

What Does Full Service Mean?

I am not a fan of discount real estate services (or any discount service where the stakes are high).  I certainly would not want a discount Doctor or Attorney.

I am a Full Service Agent and I work for a Full Service Brokerage.  But what does that mean?

My analogy is this:

A full service car wash vs a do it yourself car wash.

At a full service car wash:

I give them my keys and they take the wheel;

They run the car efficiently through the car was;

They dry it;

They vacuum it the interior;

They wipe down the dash and the rest of the interior;

They shine the wheels;

I relax;

Drink a coffee; Eat a danish;

Ready the paper; Check my e-mail;

Talk with the other customers;

Then drive off in a shiny and clean car.

The do it your self car wash goes something like this:

I wait for an open bay;

I drive the car in trying to center it as best as I can;

I search for a mountain of quarters;

I stack the quarters up neatly on the machine that selects what I want to do;

I load the machine with my mountain of quarters;

I select the first option;

I spray the car while listening to the beeping of “running out of time”

I select the brush option and start scrubbing the car;

I continue to listen to the beeping;

I rush to the machine to add more quarters (the mountain is getting smaller);

I finish scrubbing, select rinse and start hosing;

I’m listening for more beeping;

I add more quarters (now I have a mole hill of quarters);

I finish rinsing, and now I am done…

Oh, not yet, I still have to dry the car;

Now I am done;

Wait, no I’m not, now I get back into the car and drive to the vacuums;

I wait for an open vacuum;

I get the rest of my quarters and add more money;

I vacuum everything!  The floors; floor-mats; the seats; under the seats….

Now I am really done!

Actually not yet, I still have not wiped out the interior…

Or forget it!  I have spend almost the same amount of money, taken twice as long, done all the work and it’s still not finished.

Full service vs discount service is like the car wash.  You can pay to have it done right or you can pay to have it done on a discounted basis.

Real Estate is the same.  You can pay for an Agent to represent you and be by your side throughout the transaction (an long afterwards) or you can pay a discounted agent and get discounted service.

Uncategorized July 15, 2019

I Watched a Boring Super Bowl…

Yes, I was one of the approximately 100 million viewers that watched a historically low scoring Super Bowl and one that many has called “boring”

And they are mostly right.  No Hail Mary’s; No one handed touchdown catches; No dramatic last second turnovers.  You probably already know it was a 3 point game until the last quarter when New England finally scored a touchdown.

So why is a Realtor writing about Football?  What does real estate have to do with the Super Bowl?  Nothing!

Except for, on the surface, my goal is to make your transaction look boring.

So again, Super Bowl LIII (on the surface) was boring.  But when you break it down, it was a technical game.  It was a game of defense and how to stop the ball from progressing to the end zone.  It was all strategy.

Real estate transactions are all about strategy.  With 17 years experience in the industry, I know what is involved with completing an escrow successfully.  And like the Super Bowl played yesterday Vs the one played the year prior and the one the year before that (and so on)…  The fundamentals are the same but each is unique.

Every real estate transaction is fundamentally the same and unique.

Another way real estate and footballs compares is teamwork.

Brady completed 21 of 35 passes for 261 yards.   Edelman was his top target with 10 receptions for 141 yards.   Gronkowski caught six passes for 87 yards.    Michel was the top rusher of the game with 94 yards and a touchdown.

I have a winning team of professionals:  Lenders; Title Company; Escrow Company; Legal team; Compliance team; Transaction Coordinator; Co-Agents (when needed); Home Inspector; Pest Inspector and an assortment of services I can refer,

OK, maybe I am not Super Bowl bound, but I am a Super Agent with a winning team and I am ready to help you reach your goals.

CondoHOA July 15, 2019

10 Questions to Ask the Condo Association

 

Before you buy, contact the condo board with the following questions. In the process, you’ll learn how responsive — and organized — its members are. You’ll also be alerted to potential problems with the property.

1. What percentage of units is owner-occupied?

What percentage is tenant-occupied? Generally, the higher the percentage of owner-occupied units, the more marketable the units will be at resale.

2. What covenants, bylaws, and restrictions govern the property?

What grandfather clauses are in place? You may find, for instance, that those who buy a property after a certain date can’t rent out their units, but buyers who bought earlier can. Ask for a copy of the bylaws to determine if you can live within them. And have an attorney review property docs, including the master deed, for you.

3. How much does the association keep in reserve?

Plus, find out how that money is being invested.

4. Are association assessments keeping pace with the annual rate of inflation?

Smart boards raise assessments a certain percentage each year to build reserves to fund future repairs. To determine if the assessment is reasonable, compare the rate to others in the area.

5. What does and doesn’t the assessment cover? 

Does the assessment include common-area maintenance, recreational facilities, trash collection, and snow removal?

6. What special assessments have been mandated in the past five years? 

How much was each owner responsible for? Some special assessments are unavoidable. But repeated, expensive assessments could be a red flag about the condition of the building or the board’s fiscal policy.

7. How much turnover occurs in the building? 

This will tell you if residents are generally happy with the building. According to research by the NATIONAL ASSOCIATION OF REALTORS®, owners of condos in two-to-four unit buildings stay for a median of five years, and owners of condos in a building with five or more units stay for a median of four years.

8. Is the condo building in litigation? 

This is never a good sign. If the builders or home owners are involved in a lawsuit, reserves can be depleted quickly.

9. Is the developer reputable? 

Find out what other projects the developer has built and visit one if you can. Ask residents about their perceptions. Request an engineer’s report for developments that have been reconverted from other uses to determine what shape the building is in. If the roof, windows, and bricks aren’t in good repair, they become your problem once you buy.

10. Are multiple associations involved in the property? 

In very large developments, umbrella associations, as well as the smaller association into which you’re buying, may require separate assessments.

Uncategorized July 15, 2019

5 Quotes You May Have Never Heard

1. “The consequences of today are determined by the actions of the past. To change your future, alter your decisions today.” ~ Anonymous

2. “There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle.” Albert Einstein

3. “And in the end, it’s not the years in your life that count. It’s the life in your years.” Abraham Lincoln

4. “When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.” Alexander Graham Bell

5. “Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most importantly, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.” – Steve Jobs

 

Uncategorized July 15, 2019

Pope John XXIII

Debt July 15, 2019

Give Debt the Boot!

Debt is a four-letter word with big ramifications. Too many financial obligations can drive down your credit score and influence interest rates on car loans and electronic purchases. Debt can even close the door to your next home. You deserve better and that is why I am excited to provide you with a few tips to get you on the path towards financial freedom.

1. Use the Power of Negotiation – You do not need a law or business degree to negotiate with creditors. Many of them will negotiate with you to lower your interest rate, which will allow you to pay off your balance faster. When you do achieve a better rate cut up your credit card(s). You will be less tempted to use them.

2. Get a Transfer – If you have long-term debt, consolidate all that you can to a credit card with a low interest rate. Likewise, short-term debt should be transferred to one of the low, introductory rate cards so you will pay the least amount of interest.

3. Think Positively – Take a moment everyday to imagine yourself debt-free. It sounds odd, but positive thoughts do reap positive rewards!

Pass along these helpful tips to your friends and family. I would be happy to discuss with you how debt affects your buying power, especially when it comes to real estate. Debt can be crippling, but it does not have to be.