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Know Your Deductions

Aug 11, 2017 by

Whether you’re doing your taxes yourself or you have an accountant. Understanding which expenses are allowed, like mileage and entertainment, will help you avoid overpaying on your quarterly and year-end taxes.

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The Next Tech Companies You Need to Know

Jul 11, 2017 by

NAR PULSE— Second Century Ventures, the strategic investment arm of the National Association of REALTORS®, recently announced its 2017 REach® class, featuring a roster of startups focused on security, process digitization, information transfer and more. The diverse companies in this year’s class are all focused on ways to help you and your agents take your business to the next level. Learn more about the REach® Class of 2017: Centriq, HouseCanary, immoviewer, Notarize, Occly, Pearl Certification, Relola and Trusted Mail.

Explore Medicare Supplemental Insurance Options Through NAR
NAR is pleased to introduce the new Members Medicare Exchange, which allows Medicare-eligible NAR members aged 65 and older to easily quote, shop, and enroll in a variety of Medicare supplemental insurance options. The exchange is offered through the popular REALTORS® Insurance Marketplace, available through the REALTOR Benefits® Program. Learn more.

Break Through to a More Effective You With realtor.com®!
Join realtor.com® for two incredible days of hands-on learning, exclusive insights and celebration, Sept. 18-19 in Las Vegas at the Results Summit!

For the latest real estate news and trends, bookmark RISMedia.com.

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When You Know Too Much

Mar 11, 2017 by

I’ve been a mess the last couple weeks. Waking up in the middle of the night with my head swirling. Feelings of stress, anxiousness, and fear. My to-do list is getting longer, and my bank account is getting smaller. Why? I’m a buying a house. Ridiculous, isn’t it? I’m a Realtor with fifteen years experience, […]

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Annoyed but Don’t Know It?

Nov 21, 2016 by

Without fail, my husband’s little dog jumps on me while I’m getting his food around. Twice a day, for five years, he has jumped on me. FIVE YEARS. It’s annoying. But as annoying as it is, I’ve never recognized it as an annoyance until recently. One morning last week, he jumped on me, I had had enough, and in my just-barely awake stupor, I yelled, “SIT!” And guess what? He sat. And that was that. Five years of dealing with this unregistered annoyance and I fixed it in one word.

When you spend days and eventually years on edge always anticipating the other ball to drop- whether it be a bad appraisal, rejected financing, or crazy client feelings- it’s no wonder we are in a constant state of discomfort. We just may not realize that we are feeling this way. It simply becomes a way of living over time. We’ve become so desensitized that major problems are merely bumps in the road, and annoyances go completely unregistered.

But these little annoyances start to build up, and eventually you become aware that something is amiss. It’s like having a headache all day and not realizing it until you lay down at night. At that moment the pain is registered and you realize that this is why you were feeling impatient and irritable. It’s like that. You’re unconsciously uncomfortable.

Until this level of discomfort is recognized, you can’t begin to fix it. So to recognize it, think about the phone calls, text messages and emails you get from buyers, sellers, and other agents. Are there any recurring issues, questions or annoyances that could be addressed? Is there anything that can be eliminated by either being a little more thorough upfront, planning better, creating lists, or in some cases, asking for help?

Here are some scenarios and possible solutions to get you thinking:

Scenario 1:  A buyer keeps texting you listings they found online that already have accepted offers. 

Solution:   Give all new buyers a written tutorial on “Pending”, “Active” and “Active-contingent” statuses.

Scenario 2: You are spending a rare night out with friends, and a buyer’s agent wants to write an offer on your listing and needs the seller disclosures Right. Now.

Solution:  Provide all pertinent information on a listing upfront (either online or at the property) such as disclosures, utilities, survey, inspections, etc. The goal is to never make someone wait to write an offer.

Scenario 3: You have a 10 am appointment and plan on preparing for it at 9 am. But then at 9, an appraiser calls saying he can’t access a house, and you have to go open it. Now you’re feeling rushed and unprepared.

Solution: Schedule a little time in your calendar today to get ready for tomorrow’s appointments. In other words, don’t procrastinate because something always comes up.

Scenario 4: You’ve got a million tasks running through your mind, and you don’t know where to begin.

Solution: “Purge the Brain”. Make a list of everything on your mind, no matter how small or insignificant. Once it’s on paper, it’s not nearly as overwhelming. Do the same thing for repetitive tasks. I have checklists for new listings, facebook ads, etc. It eliminates the need to think, and in turn makes me feel less drained.

These are just a handful of annoying situations that can be easily fixed. And it’s amazing how much better you’ll feel when these daily discomforts are gone. Isn’t that something we all want? Don’t we all want to feel a little less on edge, a little less stressed, a little less tired, and a little more in control? By eliminating these time-sucking annoyances, you’re able to preserve energy for those things that actually need it, when they need it.

Now excuse me while I clean out my kitchen cupboard that rains water bottles on me every time it’s opened. That’s only been an unregistered annoyance for a year.

Hey, that’s progress!


 

Amy Gilpin Realtor

Amy Gilpin, Realtor, Associate Broker, Manager, ABR, SRES.

Fourteen years of helping clients. Six years of helping agents. All for this crazy thing we call real estate.
Production Realty 517-879-4141 Jackson, MI Amy@ProductionRealty.com

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Changes to ‘Know Before You Owe’ Rule on Their Way

Aug 1, 2016 by

Since the October 2015 implementation of the Consumer Financial Protection Bureau’s ‘Know Before You Owe’ mortgage initiative, REALTORS® have raised red flags over challenges in gaining access to what’s known as the mortgage “closing disclosure” form, or CD. The CD is delivered to homebuyers in advance of their closing and contains important financial information related to their purchase.

Unfortunately, many lenders have chosen to withhold this document from real estate agents since Know Before You Owe went into effect, despite a longstanding tradition of sharing similar information.

Earlier this year, the Consumer Finance Protection Bureau announced that it was considering changes to Know Before You Owe – also known as the TILA-RESPA Integrated Disclosure, or TRID – including a clarification of the rules regarding sharing the CD.

Recently, the CFPB made good on that promise when it announced a proposed rule on TRID, and stated in their announcement that “the Bureau understands that it is usual, accepted and appropriate for creditors and settlement agents to provide a closing disclosure to consumers, sellers and their real estate brokers or other agents.”

The National Association of REALTORS® believes this announcement marks significant progress for consumers, as well as for its members. Giving REALTORS® access to the CD would strengthen consumers’ understanding of their mortgage and home purchase by helping agents continue to provide expert advice to their clients.

“REALTORS® have reported challenges gaining access to the Closing Disclosure ever since TRID went into effect, despite a long history of access to the substantively similar HUD-1 that is replaced,” says NAR President Tom Salomone. “The CFPB acknowledged that concern by making it clear that it is appropriate and accepted for creditors and settlement agents to share the CD with consumers, sellers and their real estate agents.

“This is a significant victory that will help REALTORS® continue to provide the expert service their clients have come to expect. We appreciate the CFPB’s willingness to reconsider the TRID-related challenges our members face and will continue to monitor the progress on this important issue in the months ahead.”

For more information, visit www.realtor.org.

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