First time buying a home?

First time buying a home?  I get it.  The amount of unanswered questions you have- They are keeping you awake at night, aren't they?  It can be overwhelming and that's just the unknown.  What is known is that you are going to be in the biggest financial decision of your life and you need back up.

So, I 've included two links to help you in your journey:

http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/203k


http://portal.hud.gov/hudportal/HUD?src=/topics/common_questions


What are you waiting for?! Contact me for future representation. 419-261-0237

Veterans/Military Money Skills

Perhaps you may find help in this content or know someone who may then to share it:
Just copy and paste this link: http://restatetoday.blogspot.com/2016/02/veterans-military-discount.html

One of the hardest thing you used to deal with once coming home from Military duty was not to spend the money you just earned.  There are programs out there now that help military personnel manage there money.

From Kiplinger's magazine: for your Saving or TSP Account you can invest up to $18,000  in your contribution or contribute 53k.

In the Roth Retirement Plan your contributions are all tax free with no restriction on income.

More Tax Free products that investments come in tax free and leave tax freee can be found at
http://www.kiplinger.com/article/taxes/T054-C000-S002-tax-breaks-for-military-families.html.

Or more appropriately:
http://www.irs.gov/publications/p3/index.html

IF YOU ALREADY OWN A HOME or your thinking of buying one?
No  Private Mortgage Insurance and NO down payment for military personnel...
BE AWARE however if there is a slight drop in value of the home then you could become upside down in your mortgage if you don not have enough equity.

Lastly take advantage of the Tax Free Housng Allowance where monthly subsidies cover all or part of  your rent/mortgage.

Most of these programs may depend on you rank and file.  Perhaps you have a question where I could assist in conveyance of a mortgage officer specializing in VA mortgages.  Email me at Robleyalbright@gmail.com  or Text me at 419-261-0237.

God Bless and Hope this is received well.

Veterans/ Military Money Skills

Perhaps you may find help in this content or know someone who may then to share it:
Just copy and paste this link: http://restatetoday.blogspot.com/2016/02/veterans-military-discount.html

One of the hardest thing you used to deal with once coming home from Military duty was not to spend the money you just earned.  There are programs out there now that help military personnel manage there money.

From Kiplinger's magazine: for your Saving or TSP Account you can invest up to $18,000  in your contribution or contribute 53k.

In the Roth Retirement Plan your contributions are all tax free with no restriction on income.

More Tax Free products that investments come in tax free and leave tax freee can be found at
http://www.kiplinger.com/article/taxes/T054-C000-S002-tax-breaks-for-military-families.html.

Or more appropriately:
http://www.irs.gov/publications/p3/index.html

IF YOU ALREADY OWN A HOME or your thinking of buying one?
No  Private Mortgage Insurance and NO down payment for military personnel...
BE AWARE however if there is a slight drop in value of the home then you could become upside down in your mortgage if you jdon not have enough equity.

Lastley take advantage of the Tax Free Housng Allowance where monthly susidies cover all or part of  your rent/mortgage.

Most of these programs may depend on you rank and file. Perhaps you have a question where I could assist in conveyance of a mortgage officer specializing in VA mortgages.  Please email me at Robleyalbright@gmail.com  or Text me at 419-261-0237.

God Bless and Hope this is received well.

3 Enhancements to sell Your Home

Every time I hear the term curb appeal its like nails on a chalkboard.  Who knows what I'm talking about?  Not only does the combination of words suck ( I've never seen an appealing curb) but it also implies work if you don't have it.   Don't worry I've included in this blog 3 easy things you can do to enhance your home.

 

#1  Go to the local market and get some hanging baskets. Hang them in font of a large box or bay window during colder days and bring them outside and hang from soffits during showings or just when it's warm.  see this listing for  http://disallerealestate.com/property/detail/5089895

 

#2  Replace any rotten wood or rusty railings. Trust me the money will be well spent here by taking anything away that has lost it's integrity.

#3  Shoot the shot sideways with a slight overcast. This last one is important and can be used by anyone with a smart phone. Taking good pictures is important we all know.  However with advances in new technology  phones are just as good as your 35mm. Well at least the software application that are on the websites make it easier to download. http://clickrobley.realtor/ or go to https://www.youtube.com/user/robleyalbright and view my landing page!  That photo of the Craig St. Bridge in Toledo was taken from my smartphone, inside my truck, on a rainy day!

3 Enhancements To Sell YOur HOUSE

Every time I hear the term curb appeal its like nails on a chalkboard.  Who knows what I'm talking about?  Not only does the combination of words suck ( I've never seen an appealing curb) but it also implies work if you don't have it.   Don't worry I've included in this blog 3 easy things you can do to enhance your home.

#1  Go to the local market and get some hanging baskets. Hang them in font of a large box or bay window during colder days and bring them outside and hang from soffits during showings or just when it's warm.  see this listing for  http://disallerealestate.com/property/detail/5089895

#2  Replace any rotten wood or rusty railings. Trust me the money will be well spent here by taking anything away that has lost it's integrity.

#3  Shoot the shot sideways with a slight overcast. This last one is important and can be used by anyone with a smart phone. Taking good pictures is important we all know.  However with advances in new technology  phones are just as good as your 35mm. Well at least the software application that are on the websites make it easier to download. http://clickrobley.realtor/ or go to https://www.youtube.com/user/robleyalbright and view my landing page!  That photo of the Craig St. Bridge in Toledo was taken from my smartphone, inside my truck, on a rainy day!

Fixed ARM

Banks are set to raise interest rates at least three more times this year. Are you in a home that has adjustable rate mortgage now? Think about getting to 30/year fixed. If you do not know your position in your mortgage text me the address and I will do research for you. 419-261-0237. It's a great way to insulate yourself from rising rates and posiibly save you 200 OR 300 a month.  www.Clickrobley.realtor will work to put you in a position to refinance then check with your institution if you don't know. 

https://www.youtube.com/user/robleyalbright

?!An Internet Venue!?

  David's Like: "Sure there will be one day my son or daughter look at me and say, 'Dad all you have to do is blink your eyes in a successive pattern and the page or video chat will change'. HUuh!?, more like DUH!- with everyday youth."
   Right.!?.We are around the corner from that technology. Riiight?! 
   (I don't know if text does justice to my literary sense of humor.)
   This seasoned veteran will never change. While in the same room, he states, "I have been in the same room with amazement of a child who has blown me away with not only their technology but their overall senses or their abilities. He goes on, "most of the time we are subject to loose the senses we have as children and acquire different or Adult senses. 
   I quickly chime in, "Oh like when I used to hate mushrooms now I think there good- type of thing?!
   He laughs." Yes, that's along the same mind path. "
What's a mind path?! Read  http://restatetoday.blogspot.com/2015/09/the-need-for-ever-present-development.html to get an idea.  We often times take all of this for granted. 
  David is has a Doctorate out of one of America's Top Colleges-Forbes.  And on top of that he is a young professional working with America's best talent.  I'm talking the most important people in America are the ones coming home between 3-6..;our YOUTH.  
  A lot of times you have platforms such as Facebook and people do not understand the way the technology works some have come up to me and thought that LinkedIn it's something that I am "on all the time" b/c everybody gets the messages. 
  Some platforms make their own rules to what time in the the severity at which they send out posts.
It's the Correspondence to whom for which the person posting holds the key.  Me being a corresponding secretary for an awesome pair of family individuals I understand not only with humans but with Internet platforms the corresponding isn't always successive/succesful.  
I apologize for my excessive use of exclamation points and question marks but I am constantly amazed and questioning technology

Rents go up: Sellers Put Home on Market

  With Rentals going up real estate markets will make sure there will be a slow down...but it's ok we
have to be less predictable.  It Doesn't mean it will be forever however with more people working
then a normal ...the period can and will be be positive.

    After talking with local title agents there is a lack of upgrade-able inventory so buyers are in a dog
fight for homes with updates.  More first time home buyers who have been able to save are getting a
really solid house that's more affordable.

    Since most people exceed 30% of there monthly income on rent, they have low down payment
money. or any savings.  So what do you do to save money?  Great question.  When millennials move
out of the parents home this, Which also allows for the millennial to save money -this sifts the
necessary home buyer with more emotional one and a healthy grown in home sales and prices take place.

  In this region everything happens slowly but when folks enter into retirement then these individuals will be downgrading to buy into something smaller.  If you are a seller take advantage of your market.

   If the home is not upgraded than it will continue to sit. We very much so are in a sellers market.
Also remember real estate is a good driver for consumer spending and the Fed agrees by hiking
interest rates to have very strong positive indications for the future.  Please ask me about standard
deviation because I will be making this subject matter over the course of 2016.

The Future is All Right

So this time it's for sure- Toledo has brought in the big guns!  People from all over the country to run our city better and have a plan for the future. We are not talking just politics here we are now in the investment realm which produces forward thinking and working cities.
In comes www.Downtowntoledoplan.com.  The one stop shop for the business people of downtown Toledo to discuss what should happen...The When is what we have to work on.
Well, for The rest of existence.  But this is momentous time for this region and with the ether that i wrote about in a previous blog http://restatetoday.blogspot.com/2015/09/the-need-for-ever-present-development.html  we all have the ability and the drive to do something NOW.  Also, previously mentioned in http://restatetoday.blogspot.com/2015/07/give-it-try-jobs.html I get into some things we can all do to bond together as brethren of this great region.
Perhaps you are thinking of getting in on the action Here  is a building downtown North of Cherry on summit   and the information page at http://www.loopnet.com/lid/19567183.
Or you would like to know more about me and how I could help you buy or sell real estate:
https://www.youtube.com/watch?v=82U3uHviCcA
https://www.youtube.com/watch?v=82U3uHviCcA
https://www.youtube.com/user/robleyalbright

Recruiting for Managers

Finding plus keeping talent isn't always the easiest- neither is it something that you WANT to do...ALL the time.
 
   Remember the skills that people learn are supplanted by new ones all the time. When your skill set becomes obsolete you get laid off,  no matter where in the company hierarchy you fall.    Boost flexibility by hiring 2 employees for every one that may retire.  Start hiring skills and not JUST reputation.
Smart employees are in fear of stagnation so hence retaining them will prove difficult.

   For the past 15 years, I've done real estate Plus another job. Whether it has been helping run a business Blue Chip Seasonal Services or any one of my 9 to fives.  This is an asset. A side gig can offer new skills while broadening your network plus extra income.

    Don't expect whomever employs you to be your buddy. But do expect to give out better evaluations and incentives if you are a manager/owner.  Like sending out feedback evaluations via an online app. Who wants to sit through a performance revue?  And if your job ever states, "Your Fired!" (thanks Donald Trump), then moving on can be MORE PROFITABLE. huh?! According to a November report by ADP employees who stayed in the same position as the year before earned a 3.5% wage bump in 2015, people who switched jobs pay increased by 6.5%!
                                                                                                                                                                           Last but not least a company will not thrive if they are not putting money back into the company.
I've often thought about giving plans for remodeling some structures to make them more collaborative for other people and our own industry! Then renting out the space to give new business an opportunity to interact with a new technology and and an rapidly changing millennial driven economy.

Introduction