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 ...