Remember and Create a Username and Password

For life safety some things are just meant to be kept secret.  There are soldiers at war that depend on passwords as if they needed to breath.  For the general public these words can cause anxiety, anger, and malaise.
   During WW2 American Soldiers had passwords used to challenge a particular response,  These responses were known only to them and changed every 3 days. No Captchas here. An incorrect response here would yield an M1A1 Thompson sub machine gun .
  Image the discontent with business workers that needed these changes so often they loose the ability to control this angst. Such is what the response is likely to be if we do do not come up with an adequate solution.
  At this day after Christmas ;you may be finally open your new Apple i Pad Air or at the office your the bosses secretary and you get upgraded to Dell Insperion 7000 series.
Maybe in the case of my client the Siberian Oil Tycoon  who gave his daughter an 18CT gold plated fully functioning C-3PO.
 I know "but my Apple Watch  can tell time", I said.
Not having the correct Passwords on any one of these devices may not get you pistol whipped (well maybe in the case of the Siberian Tycoon ONLY)but could make a nightmare of your wok life. Also in most cases your financial information could be compromised.
  After sitting in on numerous security updates with my many organization see business card below:                                                                                                          I have realized most people DO NOT adequately secure their password.
To be able to use the password over multiple platforms it must be at least 8 characters(upper and lowercase) , use letters, numbers and symbols.  Implementing all of these seems difficult but your docs will be more "hack" resistant.
When you create logical and easy passwords like 1234 or abc123 it is also easy for the hacker to figure out.
Use this simple acronym to devise a better password: Every Good Buy Deserves Fudge or EGBDF and then implement some numbers and symbols in between the letters. Like E@G2B3D#F$.
Well crafted password are essential for taking advantage of the Features and bnefits of any new technology device

EARN 15% ON YOUR HOME BY LISTING AT THE RIGHT TIME

First, get your house ready financially.
Then pick the talent:
         https://www.facebook.com/RobleyJohn
          https://www.zillow.com/profile/Rob-Albright/
Third: Where are you process wise?
And finally where are your customer relationships?
Any questions? Call or Text 419-261-0237

2 Months To Close!?

W T F....if it could just be left there I would be doing my industry, and clients great injustice.  In October federal guidelines have changed to allow more time for the consumer of a loan to look over documentation.

What a mess, There is so much paperwork because federal guidelines demand the bank proves BEYOND a reasonable doubt that you are indeed capable of affording a mortgage.  Remember the Banks do not want to be in the real estate business they are in the lending business, from previous years of increase short sales and the like of a crisis you just needed to be breathing to purchase a home.

Here is the skinny: I'm not a loan officer so the exact reasoning for the delay in closing is left up to consumer protection. So let's focus on the facts: It's December 1st and if there is a client who wants to buy a home the new homeowners will have to wait nearly til the end of January due to the holidays new TRID rules.

 That is Truth in Lending Documents. I've seen them, they are pretty much what they say they are and that it HAS been easier to understand.

 Having the facts straight and necessary time to close is concerning.  With the Sellers and the Buyers concerns foremost in my mind, everyone points to federal guidelines and necessary time limits for closing documents to be reviewed.  There are over 150 pages of new documents that the Paper Pushers have to go over!  It's going to take a while.

Oh and we are also getting interest rates on mortgages for under 4%!

Open House Tips for Buyers

Buyers, use this time at an open house to ask the real estate agent questions.  If they are true professionals you will find out through communication. Seeing people shut down at an open is a tell tale sign they do not want to be sold on anything.  Of course this may be true but no-one is benefiting from your off putting attitude.  Some questions to ask may be relevant to the home itself or something you may not know in regards to a home loan(mortgage), inspections, or appraisal.  Remember the agent is there to help you, sometimes even though you already have buyer representation.  You never know- you may learn something new!  Email me if you wish to access 7 Tips For Improving Your Credit Score at Robleyalbright@gmail.com.

Real Estate Economy

   Here you go.  Maybe you want to know where the housing economy is this year and more importantly in the future, so...get your sponge brain on because I am here to let you know the state of the current economy and possibly what the future has to yield.
   First lets look at the current housing market: We are back to 2006 levels (in the best cities) to sell your home and close to the 2006 sales prices.  Of course this is not for all cities and it is a good indicator of the way things are swinging.  Also, inventory is really light.  Which means we need houses on the market for buyers demands.  What this means for buyers? There is a huge supply of buyers just waiting for the right house to go on the market.  Since real estate is local we are seeing the local economy strengthening and buyers ability- or the confidence there- to buy a home, become increasingly great.
  For Sure what we ARE seeing happen- Building. Yes I am seeing building in certain areas like Waterville, Perrysburg and Sylvania.  Both Multi family and Single Fam RESidential.
  To Add I have always asked the proverbial question: "How does an ant eat an elephant?"
  Answer: "One bite and a time."
  This transitions into RE STATE economy because you have jobs now everywhere and no matter how small the employment rates hikes down we are still factoring in the census of people. I have  seen these people out more than ever before. THAT IS STIMULATING!
   In Sylvania the Carlisle Commons  is building a new apartment complex worth $15 to $20 Million that has 214 projected units with 72 units in the first phase. This is filling the gap for new inventory which are we are not quite yet at 2006 levels.  The past several years of tightening mortgage markets have not helped the real estate economy either however we are seeing loosening on the financial side.
   To Finish:  Economists state that there is a steadier trend in real estate under way.
   My take:  Renting is only temporary housing and petty soon you will see a demand for homes when these people want a steadier lifestyle.  Some may not and that's just fine too!  Wither way more jobs+ more people to fill those jobs= NEED for building roofs over there heads.

The Need for an Ever Present Development Ether

     My colleague once told me that "Professionally speaking, I know I'm not the only one driving to work watching my e-mail (at red lights), having Siri talk me to my next appointment while listening to  Day Traders 101  on my Bluetooth.  I smirked, " Did that the first ten minutes to work," It's very difficult in today's society to understand what it's like maxing out your senses,"  He says.
     Another friend, whom is a broadcaster, had told me once that you "are only allowed seven senses when you drive your car and everything over that is not being used to its full potential."  She minored in psychology with a Bachelors in Education while almost obtaining her doctorate.  She goes on, "however many people cannot do a lot while driving and not only has it become dangerous it is also illegal." She's not promoting it but says, "something happens where you max your senses-it's almost a development stage- a way to train yourself to be better.  She adds: Take heed that you do not overload yourself or cause harm to any of the things that you are currently doing."  
       This is real e-state today.  Where the Internet of Things is a constant and a necessary way of life. Almost the need for an ever present development ether. Bringing the phylosophy up to a colleague he adds: "I often wonder what it feels like to be an airplane pilot.
   "What?", I exclaimed.
   "Why is it that so many airplane pilots need copilots?,"  he asked.
     I idealistically replied, "To get them beverages- or, to watch what their cargo is up to and instrument panel is doing?"
    He rants: "YES! All of these things!" Furthermore. "Airplanes DO fly themselves so the need for to individuals in a vehicle is necessary. And when I say vehicle I mean anything that you're doing that's moving you forward in life. I don't see anybody running around backwards to work doing anything on their daily agenda. It's always going forward... so your vehicle is MOVING you.
Simply put: "When I say vehicle it means I'm moving you forward and you need a team more than one person to do that.  It's evident in the airplane industry its evident in police officers that do their jobs on the street,  it  is evident in ambulance drivers that are responding to a scene, it  is evident and anything that you're doing. Perfect example  is marriage.  This  is everywhere that I look people are doing more things than they usually would have I see people on their phones walking with their hands-free which means you're able to accentuate and on a small level that's doing more things than you normally would have without tech.With hands free you're able to express yourself a little bit more and you're emphasizing what you need to say better.
    Yes", I quickly interrupted while he took a breath,  "in real estate- that is very very important or if you're selling anything- that is extremely important how you sound to the other person and how passionate you are makes a really big difference.
    What does that mean in the long run??? Are we all going to get into accidents because we are not paying attention?  Quite the opposite.  Do birds fall from aviator concussions when they are huge flocks serenading in the sky?  On a more HUMAN note: While on the Skating rink- do you see people constantly fall to the ground if they have even remotely learned how to skate?  Nope because that is development ether.
    What that means is we are able to expand and grow our brains just like cavemen did when they started talking around the first fire.  Instantaneous mind growth.

REAl E-state Today: Landlording: Sharpen Your Pencil!

REAl E-state Today: Landlording: Sharpen Your Pencil!: Are you wanting to put your home up for sale? Maybe you are thinking about becoming a Landlord and rent out the home instead. All the years ...

Landlording: Sharpen Your Pencil!

Are you wanting to put your home up for sale? Maybe you are thinking about becoming a Landlord and rent out the home instead. All the years We have been a property owners we have been a landlord. Most of the time I'm either talking with a renter or cleaning their shit up. Many times becoming a professional rent collector. This was when gas prices were at $4/gal. I think my hairline receded .25 inch that summer! There are business risks that you may want to be aware of: Tenants who are they? ARE THEY GOING TO BE ABLE TO PAY?! Eviction attorneys and costs associated CAN BE BLOATED. Insurance companies cost go up if it is not a owner occupied home. When are you going to inspect the home and are the tenants ok with it? They should be there are laws for that! Are you able to absorb the costs associated with vacancies? Mortgage insurance taxes and these days in Toledo we are charged for water associated costs even if we don't use water. Pitfalls: Not collecting enough rent. Repairs? who's going to handle them? Do you have a handy man on call? Are you going to personally collect the rent or have them send it to a PO Box? Not a permanent family that lives in the house. Recently we had a fellow landlord rent his house out for less than the mortgage balance was so he was unable to cover his costs. WTF!? Upsides: Tax benefits...and those are even dwindling

Clean Your Gutter To Save Your Hairline

Ok people. Clean out your eves and make sure your water run off from your home or building is addequate. If not done this can have serios damage to your foundation and surrounding land. Let's say just for disastorious purposes there is an air pocket under your home/building. AND because you cannot see it under or near your foundation- it may be next to repturing with the gobs and gobs of rain we are getting. For effect we will put it directly 1 foot under your foundation. Over time the air pocket had gone un notticed because, well it wasn't seen and you thought your downspouts, extensions, and splash block were out far enough. To further the damage a large pine cone gets lodged in the douwnspout or some other form of debris and all the water is now getting into and under your foundation. Whoops. DISASTER. The pocket is now compromised and you have a crack in your brick or worse a leaning home which damages it almost beyond repair. Take some time and clean your gutters to save your hairline.

Professionals Do Jobs

  Police officers, Lawyers and Teachers. What do these three professions have in common?
There main purpose is to complete a job. They were hired to do just that.
   The Teacher is there for the duration of her school year and her job is to pass out the curriculum and teach it as well as possible.  The Lawyer has to prove his clients innocence and essential be representation to the judge or jury. Police officers are to protect and to serve.  If either one of these professionals veers from his scope of practice there jobs will be in jeopardy.  These people are often times acting outside there scope because we see they are staying at there professions longer and becoming more emotionally attached to there job. Not to mention they are growing and potentially want the industry to grow as well.
   So would the answer be to pay them higher wages because they are becoming more invested in the career they have chosen? Some say Yes. Yes because they become elite in there craft and have something special to offer over the average individual doing the same job in there respective profession. Why not pay them more?  If we do not then they will be another clip of grass growing at possibly a faster rate with stronger roots just to get clipped like the rest of them and to start over waiting to get clipped again...no matter what.
   We pay athletes ahead of time.  AHEAD OF TIME.   How much money is someone really worth with more of a physical presence than someone with a mental presence.  Not saying there aren't a lot of athletes with both. It's just usually we denote the genius in ourselves because we are unable to be physically elite.  And when the athlete becomes injured or misuses there profession? Someone said that that actually improves there status.
   Finally, a job is meant to be completed. Not to be carried on to the next time or maybe the next time, then finally a week later. GET IT DONE NOW AND GET COMPENSATED.   Many times as a Ohio State and Nationally recognized  Realtor I am never compensated until the sale closes. This means getting paid AFTER I have released the star in me.

Give it a try JOBS.

My professsion is Realtor.   As a professional I am constantly trying to drum up business
becasue sales doesnt just happen in 2015. You have to make it happen. IN OR TO HAVE SALES
you must find people who have money to pay for the thing you are selling.
This post is for everyone salesperson in Ohio and Michigan.
Aside from the obvious blah blah blah
 from day to day of how we need jobs I am talking about where the jobs are going to be coming from
because, after all, if we all really cared about jobs we would quit are current medium to below wage jobs
and start up businesses of are own. That's not going to happen or should it be a great idea because those jobs would have
to be replaced by workers creating jobs and you would be left to start a fledgling company in an environment that
is not condusine to produceing high quality employment.
 After all and i know from experience
as a business owner that this is really hard.  After being in the trenches and reallizing that hiring people at
15 dollars an hour is just cutting into my overall profit. I tried it and almost went out of business.

So were are the good or next jobs going to be coming from so we can sell that THING we are selling. Mr. widget maker is going to have to  switch jobs. Yes maybe just switch jobs...go on a leave of absence to replace the doldrums. And have a waiver signed so you can come back if you like the job. Maybe I should claim this the Albright Effect for what it may have on the overall improvement of the economy. Because after all it is the economy that allows us to sell that THING.

Or hey just incorporate driverless cars NOW. not later.NOW!
This one implementation would have increased benefits for so many people.
I know I would relish the opportunity I got from a business client showing me around The new Driverless Vehicle Company Car. Although after 17 minutes or whatever we have reached our attention span because isn't  that the length of a TV sit come time slot..hhmmm?!
Whatever the implications are for what we do,  one thing is for sure. In order to have to buy the thing,  society must be able to afford the thing.
I gave you my ideas. Give me yours.  A lot of people are playing catch up. How are we going to race to the top?

Tune in next time I will be discussing actual real estate, and how the new lending practices coming up in August will HELP YOU BUY A HOME.

Mr. Big asked me..."Are you comfortable? Just, hit the 'reset' button."

     The other day this guy who was very tall  with a clipboard in his hand and something obvious to do was walking in front of a couple.  The two love birds were holding hands and in love but clearly not paying attention to there public displays of affection.   Mr. Big must have been looking at the train wreck in front of him or thinking of how much money he is making,  when.... FUSMACK!
   His face planted on the ground and clipboard firmly into his abdomen.  He literally but quit figuratively hit a "STOP" sign.  The couple turned around.  Then, continued on there way. I watched the man and the couple with enlightenment:
   Mr. Big just got up. He didn't lay there hurt because he obviously was- While laughing with a slight bellow he removed the paperwork from his left side rib cage.  I picked up the pace behind this spectacle to ask Mr. Big: "Are you okay? Is there anything I can do?
  "No way Jose!, This needed to happen to me!"
  "Huh?! Wait...What?" I asked.
  Mr. Big-who might have been hurt- Looked at me and asked "What do you do for a living?"
  "I'm a Realtor", I said boldly.
   He told me  he was entering his comfort zone the moment before he fortunately impaled himself. Mr. Big also went on to explain how little (or big) moments of misfortune were his "Gods way of redirecting him to his purpose and he needed to listen to and open up to them or it would just feed the beast."
  "Ahh", I said,  "so your Hertz Doughnut changed into a Makes Sense Doughnut."
  With a straight face he asked me to do him a favor and "stop making jokes."
  Although jokes are not were I excel.  Real Estate with understanding some little nuances and the POWERS THAT BE are.  " So while you were walking to your destination..." hand on my chin rubbing with deep thought I asked, " Were you conforming to whatever society wanted you to think and not focused on what you should have been doing, or wanted to do?"
  "BINGO GOOD BUUDY!"  While picking up his important papers he left me with- "Are you comfortable?  Just hit the reset button."

Now...obviously the reset button is whatever you want it to be whenever you want to use how many ever times.  It's life's way of looking at  you knowing that you are going to make mistakes and to NOT beet yourself up over it.  It's also a way to stay on track of your goals.  Everyday I am trying to close deals with multiple different partners and sometimes many moving parts. Thinking of the Mr. Big in me I will hit the reset button.  It's refreshing!! And to add an important point:  I think of were I was and what I was feeling when I was on track with my goals.  This helps me Reset as well.

Representing both parties: Dual Agency

 It Seems like McDonalds serves HOT coffee.  Really?!  Remember when that person burnt themselves on the hot coffee THEY ordered from Mcdonalds?
  Funny how many things need labels and it's not implied.  What are you going to do take a cold cup with you and warm it up in your space ship on the way to work?   It's no wonder people haven't sued ODOT for posting warning signs that people driving over the speed limit can be very dangerous if involved in an accident.
OFF TRACK...
   Point being it's necessary in life to find the total grey area and fill it in for people.  The person that does this better than anyone else get's the business.   If that person was warned that the coffee was super hot one way or another a law suit could have been avoided.  OR , subsequently... the person that spilled the hot coffee on them became the ones that filled in the grey area and avoided a potentially life threatening situation for a baby or toddler.  Conspiracy theories aside...a deal was made and communication made it happen.
  Cedar Point is one of the biggest amusement parks in the world.  How come you never hear of anyone getting injured there?  And don't tell me that in the 100 years or so of there operation no worker or no spectator has every been severely injured.  When shit hit the fan its boils down to communication.
 Going to sell your house...be careful. Every day there is lack of communication.
Non of this is ground breaking. Everything I do is for one outcome....to get the deal done!
  Every day people bring suit for lack of communication. Not all the time is the grey areas going to be filled completely in. When it is a wonderful and thorough job has been done and awarded appropriately.
    The Dual Agent becomes indispensable to the parties they are representing. It has to have communication and like any relationship. TRUST. This trust comes from communication.

Gracias verano

El esttaba enfermo y cansado de estar enfermo y cansado.  . So he found something he loves. not only hot or tempered weather but all seasons   Which leads to many more things he loves and it then become amplified.  He prayed and asked to be prayed for and worked for blessings.   He starred and walked with God. Sometimes even asking him for ore blessings.  It's because of there relationship that he could do that.  He   gives gifts and tithes.
   Thank you Summer.  Or, Gracias Verano- and thank you for all seasons!

HIRING: PEOPLE ONLY

  By way of my real estate career I had to mow lawns for the longest time. We still do and at this time it's just me because the labor required to do this work is way to smart for me to employ. I say we just because my family backs me up 100%.
 People commonly ask: "Why don't' you hire more workers?" or, "How many people work for you?"
 Been there done that and if you think you are going to reinvent the wheel on this one your not. Actually...only I have the ONE breakthrough idea on this and unless someone offers me $100, 000 I am not giving it up..MUahaha!  In my Austin Powers voice.
   The point is help for the help of help sake is fine but employing someone in a task a non thinking robot can do is pointless.   In fact the person doing the labor is so sophisticated and so much smarter than the machine they will end up sabotaging the unit or quitting out of boredom anyways....
Which brings me to the Big Idea.   If you are bored or you don't think you are getting paid well enough than  do something extraordinary, something you believe in (without malice or malicious intent) 

You will be more likely to get hired...because you did something extraordinary!

Chances are you will NOT get the axe either, here's why: If you do something off the beaten path, unless your boss does not like you  or some company that is like google or apple...that is way bigger than the government anyways, then these characteristics are praised or applauded. You may even be in for a raise.

If not, there are way too many jobs out there for anyone looking to start over.  Because that's what you wanted to do anyways. So next time you get that raise and/or you've created that new job for someone else to build that widget...thank you inner awesomeness!

Look the Real E-state of the matter is that jobs are everywhere but are not moving as fast as the total cost of living.   And the jobs are bottomless pits unless you are really excited about them.  So go do something you are really excited about...like running for Congress so you can increase the minimum wage to $20/Hr so you can finally afford a home to ACTUALLY LIVE IN AND  ENJOY.

" Ted, I am so amazing. Listen to what"...Jim interupts: "You are too personal...stop talking to me!"

  Why are people in your industry assholes?  The answer will be sure to follow and I can assure you it's not the answer you first thought.
  Take my industry: real estate.  This is the "I'm not going to hold your hand so put your big boy pants on," Industry.  Individuals who choose a non corporate lifestyle crave being different.  If you don't have a nine to five job right now because you are an entrepreneur or some sort of independent contractor than my hat is off to you.  God bless there souls I know many people who do work for someone else. Other people are the resistance and those people are Saints.
  Everything you do on a daily basis is there to make you settle. Your taught that monotony is good and you should embrace that path. In most industries you are drilled to not personalize. So stop talking to me, you've shared too much.  BUT WE ARE ART. Everyone for some part of the day is amazing for a small burst of time. Those who are not or do not seem amazing are this way because they have been shut down or choose not to express themselves.
  Like this blog it is a reflection of the present and future time.  We as beings are constantly evolving so at some point in time you will want to be your amazing self for a short period of time.
   You started to read this article because it was controversial.   Knowing how simple a problem can be let's people be amazing.  "To the fullest?" you ask.  Yes because it will not last very long.  So if you didn't get it -people are they way they are not because who they are,  but from outside stimuli.
   Next time you have a big idea start the conversation with "Listen to me for a second,  will you?"
   If your on the receiving end of the convo-let that person exaust themselves and see how spectacular they can be.
  

Father's Day is Special

   My friend became a Dad and didn't know what to do.  He had a good job, rented an apartment in downtown Maumee, Ohio and was going steady with his girl and the mother of his child.  He did the right thing...he contacted a Realtor to buy his first small home.
   Jeremy ( not his real name) and Melissa (not his real girlfriend) and $1,000( not the actual amount) gave up the life of leasing and stopped to go over there expenses together.  Everything they did was documented and every buck they spent had a designation.  Keeping track of expenses proved difficult because they had to give up many things they usually we would pay for but wouldn't tell each other.
   They didn't know they weren't going at it alone-they had a Realtor.  John the Realtor gave Jeremy and Melissa consulting on there expenses and many inexpensive properties in Toledo to call home.  Toledo was not there first choice nor was having a baby.   Personal wants took a backseat to future development of their family tree that was quickly growing roots. 
  Luckily the amount they were able to put down on a home was rolled into the amount given to the sellers at closing making there down payment on the home almost nothing.  To make matters better they bought a home off the government Fannie Mae that allowed the buyers to roll in all expenses on there new home to the loan amount. Once again this made homeownership a reality to this newly proud Dad.  All of this is possible through the work of a Realtor.
   This happens all the time and if you're a new Father this special event in life can happen for you.

   This is my first post to my blog and I'm looking up the definition of "blog' on the internet.  There is a Webster's Dictionary in front of me that I can easily open up and possibly find the definition-Okay I'm keeping my Webster's as a paperweight because "blog" definition should be looked up on the internet ONLY.
   And that's the point<My Blog: REAL E-state Today will be the same as the definition of the "blog"-just look it up on Wikipedia and add the term "real estate" benignly throughout the rows and columns.  But it will also be something more and like the constantly changing real estate atmosphere it will never rest. It will give it's all and keep on going. The result is the gift of online representation for your real estate transaction. But wait...mustn't you need an actual person for face-time and closing the deal?
   My Brokers keep telling me that I'm not new to this business and to stop saying that I am.  I listen to them so to make sure my clients don't here the word "new" out of my mouth (unless I'm talking about there new carpet or new roof).  I quietly tell myself that I have 15 years of experience, my Ohio License to represent clients in there real estate transactions and to promise to continually learn.  Also, this REAL E-State Today blog is more like the Realtor starting this blog than anything. It's a representation of myself and the real estate industry.
    I make sure to focus on the present while measuring the future.  In Toledo, Ohio you can buy a home for well under the national average. In fact it's the lowest among cities in America at an average sale under 100 Thousand. This bows well for people that have the income to afford it and more so if you are able to start a business like others do- owning properties for a personal wealth vehicle.
thank you to those that understand and thank you always to the people that have helped and will continue to help along the way