Ginny Nieves Zmijewski

Real Estate Joke

Ginny Nieves-Zmijewski (Ginny Realty) — Wed, 06 Aug 2008 15:28:28 -0500

The dream of the older generation was to pay off a mortgage. The dream of today's young families is to get one.

If you think no one cares you're alive, miss a couple of house payments.

My buyers went through debt consolidation. Now they have only one bill they won't pay.

If you want to know exactly where the property line is, just watch the neighbor cut the grass.

This country is great. It's the only place where you can borrow money for a down payment, get a 1st and 2nd mortgage and call yourself a homeowner.

The trouble with owning a home is that no matter where you sit, you're looking at something you should be doing.

http://realestatejokes.nationalrealtorsdirectory.com

Free Home Videos Website

Ginny Nieves-Zmijewski (Ginny Realty) — Wed, 06 Aug 2008 15:21:46 -0500

http://www.zipvo.com/

Has anyone checked this webstie out? It looks like it is helpful.

Thank you,

Ginny Nieves Zmijewski, Broker

www.ginnyrealty.com

Real Estate Jokes

Ginny Nieves-Zmijewski (Ginny Realty) — Wed, 06 Aug 2008 15:17:01 -0500

http://realestatejokes.nationalrealtorsdirectory.com

Alamance County, North Carolina

Ginny Nieves-Zmijewski (Ginny Realty) — Wed, 06 Aug 2008 14:52:23 -0500

http://www.visitalamance.com/images/Burl_Alamance-WelcomeNC.

Please visit the above website for all information regarding Alamance County located in North Carolina. This is a wonderful website for all visitors and residents who would like information on what our County has to offer every day.

Enjoy searching and hope that you can visit soon.

Contact me for any of your real estate needs at www.ginnyrealty.com

Thank you Very Much, Muchas Gracias!

Ginny Nieves Zmijewski, Bilingual Broker

Whose Dad is Better?

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 05 Nov 2007 09:57:19 -0600

Three boys are in the schoolyard bragging of how great their fathers are.
The first one says: "Well, my father runs the fastest. He can fire an arrow, and start to run, I tell you, he gets there before the arrow."

The second one says: "Ha! You think that's fast! My father is a hunter. He can shoot his gun and be there before the bullet."

The third one listens to the other two and shakes his head. He then says: "You two know nothing about fast. My father is a real estate agent. He stops working at 4:30 and he is home by 3:45!"

Young Broker Joke

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 05 Nov 2007 09:54:36 -0600

A young broker had just started his own real estate office. He rented a beautiful office and had it furnished with antiques.

Sitting there, he saw a man come into the outer office. Wishing to appear the hot shot, the broker picked up the phone and started to pretend he had a big deal working.

He threw huge figures around and made giant commitments. Finally he hung up and asked the visitor, "Can I help you?"

The man said, "Yeah, I've come to activate your phone lines."

Does Anyone knows when our Market will Pick Up? Here is a Clip For You.

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 05 Nov 2007 09:40:03 -0600

When Will the Housing Market
Finally Hit the Bottom?

By Rex Nutting
From MarketWatch

WASHINGTON (MarketWatch) -- The housing market is just getting worse. Home resales tumbled 8% in September to the lowest levels in this decade, prompting the obvious question: When will it all end?

The honest answer is no one knows. Optimists have been saying for more than a year that the worst is behind us, while the pessimists have been saying recovery is still a year, or years, away.

So far, the pessimists have been right about the weakness in the housing market, but their forecast that the collapse in housing would lead to a general economic malaise has, at least so far, failed to pan out. The economy has slowed, but has not fallen into recession, as consumers and investors adjust to a world in which home prices don't automatically rise 5% or 10% a year.

Mebane, NC Holiday Happenings

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 05 Nov 2007 09:32:32 -0600

Welcome to Downtown Mebane, NC

The Heart of Our Town

"More than a century ago, Mebane was the place to go for dining, shopping and date night. Now the old social center is reinventing itself." (Burlington Times-News)

Peter Schumacher / Times-News

You are invited to explore Downtown Mebane and enjoy a leisurely stroll as you browse our eclectic antique shops and gift boutiques. Take time to catch up on the many personal and business services we offer and enjoy a meal or refreshments at one of our unique dining establishments.

A Hometown Holiday Celebration
Friday, November 16 (10 am - 9 pm)
Saturday, November 17 (10 am - 7 pm)
Join us for Downtown Mebane's two-day holiday open house!

For more annual events log on to: http://www.downtownmebane.com/

The Mebane Christmas Parade, Friday, December 7th @ 7 pm

The 20th Annual Arrival of Santa, Saturday, Nov. 24th @ 11 am at the Mebane Arts & Community Center

My Agent Always Give 100%

Ginny Nieves-Zmijewski (Ginny Realty) — Fri, 06 Jul 2007 15:34:17 -0500

12% Monday

23% Tuesday
40% Wednesday
20% Thursday
5% Friday

Congratulations on your new home - JOKE

Ginny Nieves-Zmijewski (Ginny Realty) — Fri, 06 Jul 2007 15:30:30 -0500

A client bought a new home and the broker wanted to send flowers for the occasion.
They arrived at the home and the owner read the card; it said

"Rest in Peace".

The owner was angry and called the florist to complain. After he had told the florist of the obvious mistake and how angry he was, the florist said.

"Sir, I'm really sorry for the mistake, but rather than getting angry you should imagine this: somewhere there is a funeral taking place today, and they have flowers with a note saying,

"Congratulations on your new home".

FSBO JOKE

Ginny Nieves-Zmijewski (Ginny Realty) — Thu, 07 Jun 2007 15:33:13 -0500

How many agents does it take to change a lightbulb (fsbo)?

20 agents will go by and take a note that its out.
10 of those agents might call a store to see if they have the right bulb.
5 of these agents might go and buy the bulb.
But only one will actually bother to pull over a chair and get up there and change it!

REAL ESTATE JOKES

Ginny Nieves-Zmijewski (Ginny Realty) — Thu, 07 Jun 2007 15:22:33 -0500

BUY ME OUT

A very successful real estate broker had a meeting with his new son-in-law. "I love my daughter, and now I welcome you into the family," said the man. "To show you how much we care for you, I'm making you a 50-50 partner in my real estate office. All you have to do is go to the office every day and learn the business."
The son-in-law interrupted, "I hate office. I can't stand agents."

"I see," replied the father-in-law. "Well, then you'll work in the office and take charge of some the paperworks."

"I hate paperworks," said the son-on-law. "I can't stand being stuck behind a desk all day."

"Wait a minute," said the father-in-law. "I just made you half-owner of my real estate office, but you don't like office and won't work in a office. What am I going to do with you?"

"Easy," said the young man. "Buy me out."

Relocation Tools

Ginny Nieves-Zmijewski (Ginny Realty) — Thu, 31 May 2007 07:05:58 -0500

Relocation Tools

Use this suite of tools from Sperling's Best Places, SmartMoney.com and Realtor.com to help with the process of relocating or buying a home.

NEW! City Profiles	See cost-of-living data, education resources, arts and recreation activities, crime statistics and additional sources of information for more than 300 cities and metro areas.
Neighborhood Data	Review demographic information by ZIP Code, city or county
The School Report	Find critical stats on districts in your desired location
House Affordability	Determine how much money you may borrow to purchase a house
Mortgage Calculator	Calculate a monthly mortgage payment and the effects of prepaying your mortgage
Points vs. No Points	Weigh the impact of paying points vs. a higher interest rate
Rent or Buy?	Compare the cost of buying a house vs. paying rent.
Fixed Rate or ARM?	Determine the financial effects of an adjustable-rate vs. a fixed-rate mortgage

FREE DVD

Ginny Nieves-Zmijewski (Ginny Realty) — Wed, 18 Apr 2007 16:49:22 -0500

Request a Free Introduction DVD

Please fill out this form and we will mail you, free of charge, a Free Introduction DVD that will tell you about EXIT REALTY and its phenomenal growth.

When you join EXIT you join a dedicated group of Realtors and an agency with vision. You may call (910) 762-1954 for more information. Do it today - you will be glad you did.

Request an Intro DVD

Find out more about EXIT REALTY - request a Free DVD. We will mail
it to you free of charge. Better yet call Heather Mullins, our Agent
Placement Director, at (910) 538-5397.

For the Best Bilingual Real Estate Agency

Ginny Nieves-Zmijewski (Ginny Realty) — Tue, 17 Apr 2007 20:29:30 -0500

Hello,

Call me for the best bilingual real estate experience in your life. Whether is selling or buying in NC, I am here for you in two languages, English and Spanish.

Don't wait, call me NOW,

www.ginnyrealty.com

ginnyzmijewski@yahoo.com

REAL ESTATE ESPANOL

Ginny Nieves-Zmijewski (Ginny Realty) — Fri, 13 Apr 2007 23:19:17 -0500

PROUD MEMBER OF THE NAHREP.

THIS MEMBERSHIP IS AN ORGANIZATION FOR REAL ESTATE AGENTS WORKING WITH HISPANICS, YOU MAY VISIT THE WEBSITE AT WWW.REALESTATEESPANOL.COM FOR MORE INFORMATION. HOPE TO MEET YOU SOON.

SOY MIEMBRA DE LA ORGANIZACION DE LOS HISPANOS LLAMADA NAHREP, VISITEN MI PAGINA EN EL WEB WWW.GINNYREALTY.COM O VISITEN AL WWW.REALESTATEESPANOL.COM PARA AYUDARLOS.

NEW COMERS TIPS FROM MEBANE, NC

Ginny Nieves-Zmijewski (Ginny Realty) — Fri, 13 Apr 2007 23:11:31 -0500

A look at the population figures of Mebane reveals a strong trend toward expansion and growth. In 1900 the census count was 218. An increase to 693 was noted in 1910.

By 1920 this total had swelled to 1351, and in 1930 it was tallied at 1568. The official record in 1940 was 2060, and in 1950 the number of people was set at 2068.

It should be noted that this figure is for the population dwelling inside the corporate limits of the town, and does not include those persons residing in the rural areas. There has been a marked trend during the past ten years toward the construction of dwellings in the rural fringe areas just outside the town limits.

MEBANE IS CONVENIENTLY LOCATED BETWEEN THE TRIANGLE AND TRIAD REGION IN NORTH CAROLINA. VERY EASY TO COMMUTE BETWEEN THESE TWO REGIONS IN NC. COME AND SEE FOR YOURSELVES, YOU WILL NOT REGRET IT. WE ARE GROWING AND LOVING IT.

TOP SITES FOR AGENTS

Ginny Nieves-Zmijewski (Ginny Realty) — Thu, 12 Apr 2007 15:55:34 -0500

COME AND VISIT MY WEBSITE AND VISIT THE ABOVE HOUSE REAL TOP SITES FOR ALL INFORMATION YOUR CLIENTS AND CONSUMERS NEED.

REFERRALS ARE WELCOME. HABLO ESPANOL.

CONTACT ME AT WWW.GINNYREALTY.COM OR GINNYZMIJEWSKI@YAHOO.COM

NC LIVING.COM

EASTER SEALS ANOTHER FUND RAISER TO HELP YOUR BUSINESS AND COMMUNITY

Ginny Nieves-Zmijewski (Ginny Realty) — Thu, 12 Apr 2007 15:51:46 -0500

TAX DEDUCTIONS TIPS

Ginny Nieves-Zmijewski (Ginny Realty) — Fri, 06 Apr 2007 17:06:22 -0500

Tax Deductions You May Have Missed

We'll start with three deductions that are easy to miss because Congress approved them after the Tax Forms went to the presses.

State sales taxes. As part of the last-minute tax package last December, Congress resurrected the chance for taxpayers to deduct state and local sales taxes. Although all taxpayers have a shot at this write-off, it makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state income taxes or state sales taxes and, for most citizens of income-tax states, the income-tax deduction is a better deal. You won't find this break mentioned on the tax forms, but here's how to claim this deduction: Enter your write-off on line 5 of Schedule A and write "ST" on the dotted line to the left of that line. IRS even has a calculator on its Web site to help you figure the deduction, which varies by your state and income level.

2. $250 educators' expenses. This break, too, lost its place on the tax forms because it expired at the end of 2005 and wasn't reinstated until the 2006 forms were set. Still, teachers and their aides can deduct up to $250 they spent in 2006 for books and classroom supplies. If you qualify, put your deduction on line 23 of the Form 1040, the line now used for the Archer medical savings account (MSA) deduction, and write "E" on the dots to the left. If you also claim the MSA deduction, write "B" (for both) on the line and attach a breakdown of how much you're claiming for each. You get this deduction regardless of whether you itemize.

3. College tuition. You won't find this one on the forms, either, but you may qualify to deduct up to $4,000 you paid in college tuition in 2006 for yourself, your spouse or a dependent. This break can pay off if your income is too high to qualify to claim the Hope or Lifetime Learning credit. For 2006 returns, the deduction is taken on line 35 of the Form 1040, the line for the domestic production deduction. Write "T" to the left of that line. If you're claiming the production break, too, write "B" on the dotted line and attach a breakdown of how much you're claiming for each. You also get to claim this deduction regardless of whether you itemize.

4. Student loan interest paid by mom and dad. Until recently, if parents paid back a student loan incurred by their children, no one got a tax break. To get a deduction, the law held that you had to be both liable for the debt and actually pay it yourself. But now there's an exception. If mom and dad pay back the loan, IRS treats it as though they gave the money to their child, who then paid the debt. So, a child who's not claimed as a dependent can qualify to deduct up to $2,500 of student loan interest paid by mom and dad.

5. Out-of-pocket charitable contributions. It's hard to overlook the big charitable gifts you made during the year, by check or payroll deduction. But the little things add up, too, and you can write off out-of-pocket costs you incur while doing good works. Ingredients for casseroles you regularly prepare for a nonprofit organization's soup kitchen, for example, or the cost of stamps you buy for your school's fundraiser count as a charitable contribution. If you drove your car for charity in 2006, deduct 14 cents a mile, unless you were doing Hurricane Katrina relief work. In that case, you get 32 cents a mile.

6. Moving expense to take first job. Here's an interesting dichotomy: Job-hunting expenses incurred while looking for your first job are not deductible; but moving expenses to get to that first job are. And you get this write-off even if you don't itemize. If you moved more than 50 miles, you can deduct the cost of getting yourself and your household goods to the new area, including 18 cents a mile (and parking fees and tolls) for driving your own car.

7. Military reservists travel expenses. If you are a member of the National Guard or military reserve, you may deserve a deduction for travel expenses to drills or meetings. To qualify, you must travel more than 100 miles and be away from home overnight. If you qualify, you can deduct the cost of lodging and half the cost of your meals, plus 44.5 cents a mile (and any parking or toll fees) for driving your own car. You get this deduction regardless of whether you itemize.

8. Child-care credit. A credit is so much better than a deduction: It reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that's subject to tax. But it's easy to overlook the child-care credit if you pay your child-care bills through a reimbursement account at work. Until a few years ago, the child-care credit applied to no more than $4,800 of qualifying expenses. And, the law allows you to run up to $5,000 of such expenses through a tax-favored reimbursement account at work. Now, however, up to $6,000 can qualify for the credit ... but the old $5,000 limit still applies to reimbursement accounts. So, if you run the maximum $5,000 through a plan at work, but spend more for work-related child care, you can claim the credit on up to an extra $1,000. That would cut your tax bill by at least $200.

9. Estate tax on income in respect of a decedent. This sounds complicated, but it can save you a lot of money if you inherited an IRA from someone whose estate was big enough to be subject to the federal estate tax. Basically, you get an income-tax deduction for the amount of estate tax paid on the IRA balance. Let's say you inherited a $100,000 IRA, and the fact that the $100,000 was included in your benefactor's estate added $45,000 to the estate tax bill. As you withdraw the money from the IRA and pay tax on it, you also get to deduct a proportional amount of the estate tax paid. If you withdraw $50,000 in one year, for example, you get to claim a $22,500 itemized deduction on Schedule A.

10. State tax you paid last spring. Did you owe tax when you filed your 2005 state tax return in the spring of 2006? Then remember to include that amount with your state-tax deduction on your 2006 return, along with state income taxes withheld from your paychecks or paid via quarterly estimated payments.

11. Refinancing points. When you buy a house, you get to deduct points paid to get your mortgage in one fell swoop. When you refinance a mortgage, though, you have to deduct the points over the life of the loan. That means 1/30th a year if it's a 30 year mortgage -- that's $33 a year for each $1,000 of points you paid. Not much, maybe, but don't throw it away. And, in the year you pay off the loan -- because you sell the house or refinance again -- you may get to deduct all as-yet-undeducted points. You do unless you refinance with the same lender. In that case, you add points on the latest deal to the leftovers from the previous refinancing and deduct the expense ratably over the life of the new loan.

Bilingual Agent in NC - Latina

Ginny Nieves-Zmijewski (Ginny Realty) — Tue, 03 Apr 2007 21:47:09 -0500

Whether is buyig or selling. Please call me or contact me via email or telephone at 336-380-5374 or ginnyzmijewski@yahoo.com. I would love to help you in all your real estate needs. Hope to meet you soon.

Don't forget that I speak Spanish fluent, and love your referrals.

Thank you,

Ginny Nieves Zmijewski

Mebane, NC

visit my webpage at http://www.ginnyrealty.com

Upromise Fund Raising

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 02 Apr 2007 18:54:33 -0500

Saving for college is easy and can be a great tool for all agents.

You may start a fund raising with Upromise and put money towards college for needy families. Link into the website for Upromise and search for all instructions on how you can be a part of this great gift. Share your time and a small tag of your sales and send a child to college. It is also tax deductible.

htpp://www.upromise.com

Register and follow the instructions on how to become a partner and sponsor. It is a great opportunity to grow your business.

Good Luck!

Buyer's Tip Before Buying

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 02 Apr 2007 17:42:26 -0500

WHAT TO EXPECT WHEN BUYING.......

Buying a home is usually the largest single transaction in which most people become involved, thus the most important thing anyone can do is be prepared. I first recommend that you speak with a mortgage lender of your choice. If you need assistance with choosing a mortgage lender I have a list of preferred lenders in the area that I can recommend to you. I also have a lot of Bilingual lenders in the area who are hardworker and care about their customers. If you have a regular banking relationship, that is a good place to start. When speaking with this person, it is of utmost importance that you be completely honest. Almost everyone can get a mortgage loan. The more accurate information you can give the loan officer, the better job he or she can do with matching you with the right mortgage loan. Keep in mind, if your credit history is less than stellar, you can expect to pay a higher interest rate and other conditions may be placed on the loan.

The lender must give you a good faith estimate of the costs involved in securing your loan. Below are some, but not necessarily all of the costs that you may expect to incur.

Down Payment
Origination Fees
Discount Points
Appraisal
Credit Report
PMI (Private Mortgage Insurance)
Hazard Insurance (Premium plus escrow)
Property Taxes
Recording Fees
Title Insurance
Survey
Inspection Fees

The lender will usually either "pre-qualify" or "pre-approve" you for a certain amount. Keep in mind that "pre-approval" is stronger than "pre-qualified", and will have a more positive impact when your offer is presented to a Seller.

Once you are pre-approved or pre-qualified, it is time to contact me. We will discuss confidentially your financial situation, your time line, and your desires for a home.

Lo Quieres en Espanol? Escribeme y se lo mando en Espanol. Muchas Gracias

New Home Safety Tips

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 02 Apr 2007 17:25:21 -0500

7 SAFETY TIPS FOR YOUR NEW HOME

When you first move into your new home it is a good idea to take care of a few small things that can make a big difference when it counts.

Change the locks on all your exterior doors. Unless your house is brand new you never know how many strangers may have a key to your front door.

Replace the batteries in all the smoke detectors in the house. Record the date in your calendar so you will remember to do the same thing next year!

Unless your heating/air units are new, have the vents and filters cleaned or replaced.

Create a fire-hazard plan with your family and conduct a practice drill with the children.

Replace or clean the exhaust hood filter above the range.

Check all your electric outlets for loose-fitting plugs, as these can pose a fire hazard. These outlets are inexpensive and fairly easy to replace.

Have the fireplace chimney cleaned. While you are at it go ahead and install a rain cap and a screen to keep the birds out of your chimney.

My Popular Newsletters

Ginny Nieves-Zmijewski (Ginny Realty) — Mon, 02 Apr 2007 17:05:51 -0500

Hello My Business Partners,

I have a special newsletter that I send out each month to all my preferred partners, friends, and clients. If you are interested in receiving this via email from me. I would need you to respond via email and email me your address. I will then include you in my preferred list and start sending you this special newsletter with lots of tips each month.

Try it, it is free and you will enjoy it. Believe me. I have received many contacts from all over the world due to my newsletter. I also use it to attract buyers and clients.

Once again, just email me your email contact and name and I will send you a copy as a PDF file.

Thank you and hope that you will enjoy it. Let me know if you like it.

Happy Holidays.

Your broker friend,

Ginny