Dear friends,

There is always a level of resistance when working with divorcing couples. If you ever have it can be very challenging. We care about our clients so much and to see them going through the stress of divorce can almost bring tears to your eyes.  Coming from a divorced family situation at a very young age and being the youngest of 5 children I have experienced a lot personally. I remember having to choose between my mom and dad on the front lawn of our house in Hermitage, TN we were about to lose it because of the tragedy. Below are some heart wrenching facts of my personal experiences with it. This isn't judging folks its just what happens to a lot families.

  1. Married couples fighting for stuff instead of each other!
  2. Losing a friend of 27 years.
  3. The kids lose their parents. "Is it my fault?" "When will I see you again?"
  4. The kids college fund goes to pay for MORE important things like attorney's fees!
  5. Values get flushed down the toilet with who is "daddy" or "mommy" kissing now?
  6. One of them says "I dont care, you can have it all!" Destroying their financial stability for years to come! Worst mistake anyone could make is imitating this situation.
  7. United they stand, divided they fall! You never really comprehend that it takes two until you fall apart and lose everything!
  8. Drinking & Drugs! This may solve some problems...
  9. Friends become between them, choosing sides. "What are you doing talking to them about us?"
  10. How many times will the they(husband,wife,kids) hear you say "@*%^!"  The emotional pain, hurt,stress, abandoned, feelings of betrayal! Oh!!!

There is so much more but I will stop there. I have some very strong opinions but in this situation as an agent we need to keep ourselves as calm and cool as possible for both of them. The kids will also experience the mess. Never take sides. Remembering there are always two sides to the coin. I will be talking about these issues one by one  week by week. For those of you whom are interested in learning more about divorcing couple's situations in regards to contracts and working with this type of client, please keep in touch and just remember we can only do so much. If we stick together we can help so many more people! Remember, I am not a licensed therapists, attorney,or CPA. I am however a very well connected realtor! Have a blessed weekend!!

 

Free Moving Tips

Moving across town or across the country?  Think you've thought of everything!  Here are some tips straight from experience!  Move like a pro!

General tips

•1.       Pack a suitcase like you were going on a trip so you don't have to dig through boxes to find your socks and shampoo.

•2.       You have more stuff than you think you do.  Have a yard sale or give unneeded items to charity.  Keep records of donated items and get a receipt for a tax write off.

•3.       Keep jewelry or high value small items and important documents with you.

•4.       Fill empty suitcases with clothes or linens.

•5.       Write detailed contents and room location in the new home on every box on more than one side.  Colored markers or stickers are useful.

•6.       Pack similar things together, things that go in the same room or that are pieces of the same item.

•7.       Put heavy items like books and paperwork into small boxes.

•8.       Put lighter, non fragile items into large boxes

•9.       Pretend you're more organized than you are. 

•10.   Don't forget to pick up dry cleaning!

•11.   Some moving expenses are tax deductible.  Keep your receipts.

•12.   Give yourself plenty of time.  It always takes longer than you think it will. 

•13.   When unpacking, make beds before you dig into boxes so at the end of the day in your new home, you can fall into bed without having to search for linens. 

Doing it yourself

•1.       Many hands make light work, have boxes already packed so your friends and family can do a lot in a little time.  Have bottled water and snacks available.

•2.       Lift with your legs!!

•3.       Put the heaviest and largest things on the truck or trailer first.  This balances out the load on the truck for safety reasons.  Also, once you get the big things in, you'll get more little thing in around them. 

•4.       If using a pickup truck, secure your items with rope, bungee cords, a tarp or other straps.  Put couch cushions and pillows in the cab.

•5.       Use towels and blankets to wrap delicate items and furniture, secure with tape or cellophane wrap.

•6.       Boxes can often be obtained free from grocery stores or general stores.  Go in the evening and ask the manager to set some aside from the nightly stocking. 

•7.       Utilize all containers for packing including garbage cans (clean them first of course), laundry bins and empty storage containers

•8.       If you need to use a storage facility, make sure it is well lit, secure and in a safe area.  Some offer air conditioned, heated and even humidity controlled units. 

Hiring a moving company

•1.       All companies are different; ask a lot of questions about rates, insurance, reservations and any hidden costs.  Keep all moving records with you.  We can recommend one to you we've prescreened!

•2.       Take pictures of expensive, large or important items before the movers come so you have proof of the items condition should it become damaged in transit.  They have insurance for a reason.  Should something arrive damaged, you can take a new picture of the item for before and after proof.

•3.       Itemize high value boxes and make sure the moving company keeps a numbered list of all boxes.  Get a copy of the list or keep your own list.  Mark off boxes as they come off the truck so you can identify quickly if any are missing.

•4.       Keep an eye on the workers and be there to answer questions.  No one treats your stuff the way you would.

•5.       Exchange contact information with the driver so you can communicate with each other during transit.

Long Distance

•1.       Pack an essentials box marked "open first" with anything you will need the first couple of days like cleaning supplies, essential linens, medicines, quick breakfast items, toiletries and clothes.

•2.       Get letters from your local utility companies stating your payment history.  You may save hundreds of dollars in utility deposits in your new town if you can prove you paid on time!

 

Many times we loose sight that our buyers don't know how the system works and what's involved in buying a home.  Well, I've written a basic outline of the standard process here in Tennessee to help buyers see the big picture of why it's more than picking a house and writing a check. 

 21 Steps to Purchasing a Home in Tennessee

  1. Consultation - analyze the buyer's wants and needs in a new home or investment property
  2. Mortgage Pre-Approval/Credit Report - determine the price range for the purchase, the lender will pull your credit and obtain documentation from you to determine how much money you are eligible to borrow
  3. Select Properties - your realtor will do a detailed search for properties that fit your desired search criteria, then present them to you to select the ones you would be interested in viewing. 
  4. View Properties - your realtor will show you the properties you wish to see so you can select the one that you want.
  5. Make Offer - when you find just the right home, your realtor will sit down with you and help you make a written offer to the seller
  6. Negotiate - often times, the deal requires negotiations involving many unforeseen variables and counter proposals.  Your realtor is ready for these and will make sure your interests are covered.
  7. Earnest Money - For the contract to be complete and binding, "consideration" must be given.  In real estate, an earnest money check proves to the seller that yours is a serious offer, and when negotiations are complete, creates a valid and legal sales contract.
  8. Contract - when all parties have agreed to the sales terms, earnest money is given and all everyone has signed, a contract  for sale and purchase is created. 
  9. Insurance - home owners insurance must be ordered for the new home for the mortgage to cover the purchase.  This can be obtained from your insurance agent, or your realtor can recommend someone to you.
  10. Order Inspections - For your protection, a home inspection is highly recommended.  This small step assures you there are no major problems with the home, and the ones that ca be fixed are addressed before the purchase is complete.  If a major issue is found, a contract clause says you can be released from the purchase.
  11. Remove Contingencies - once the inspection issues are satisfied, you sign a document saying you are will continue with the purchase of the home.
  12. Closing Process Begins - once all contract issues are complete, the closing process begins
  13. Appraisal - the lender will order an appraisal be done on the home to determine if it is worth at least the amount of your offer to minimize their risk.
  14. Verifications of Funds - often the seller has a mortgage that needs to be paid off before the title can be transferred.  The banks communicate with each other to make sure the new loan amount (and any down payment) will cover the seller's payoff amount.
  15. Underwriting - the lender's process of final approval and funding the loan
  16. Loan Approval - is different than pre-approval.  Final approval includes the ok of the home you are about to purchase, and the bank's promise to fund your loan.
  17. Title Company - all signed documents are sent to the title company so they can prepare the deed, do the title search and prepare for closing
  18. Prepare Deed/Title Search - the title company does a thorough search of the homes title history to make sure it is "clean," checking for liens and gaps in ownership, etc. to protect you before it is transferred into your name.
  19. Final Inspection - the buyer comes to the home to make sure it is in the same or better condition as the day they signed the contract, and that all repairs agreed upon after the home inspection are complete. 
  20. Review Settlement Statement HUD-1 - the title company prepares a statement with all parties fees, required costs at closing and loan information for you to review before the purchase is complete.
  21. Closing Day - on this day, all parties come together to sign loan and title documents and to exchange keys.  This is the day the home is officially yours.

This is a basic overview.  Many steps have been simplified and include other parts.  It is in no way a recommendation or legal advice, but is meant for basic education only. 

 

Have you noticed how many UGLY fliers there are floating around in this industry?  Hard to read, too busy, too bright or too plain fliers may have the OPPOSITE effect than the one you want.  The goal of any print piece is to communicate information effectively.  A bad flier may not ever be read, so don't defeat your own purpose!! 

When you pick up any piece of advertising, the first thing that catches your eye should be the main point or focus of the ad.  Once your attention is captured, you are drawn to read and examine the rest of the flier or ad IF it is well designed.  A poorly designed flier may catch attention and be put down because it is difficult to read, or may never be noticed at all.

Before you begin writing, take a minute to think about what you want the reader to understand.  What is the main purpose.  What information do they need. What is the next step?  What about this flier will make them want to take the next step?  Think about the flow.  Then follow some simple rules.  Remember, KEEP IT SIMPLE!

Here are some EASY do's and don'ts for beautiful fliers. 

Colors:

     Do:

  • Us a color scheme with no more than 3 or so MATCHING colors. 
  • Shades of those colors can be used to accent
  • Match colors to your pictures
  • Use company colors
  • Use color strategically to accent what you want seen

     Don't:

  • Use too many colors
  • Use more than 1 bright color as an accent
  • Outline everything in your bright color
  • Use colors for print other than accent words

Layout:

     Do:

  • Have lots of white space.  White space makes your text easy to read and your pictures stand out.
  • As a general rule, make sure you have 30% to 40% white space on your flier.
  • Put your contact information on everything
  • Balance out the page with pictures and text.  a 40% to 60% ratio is generally appealing

     Don't

  • Crowd together words
  • Put pictures touching each other
  • Put dark or bright accent colors behind text
  • Use brightly colored paper, this is not a yard sale, it's a house sale

Fonts:

     Do:

  • Use simple fonts
  • Only use 1 or 2 fonts on the same page.  Abusing fonts becomes distracting, not decorative.
  • Use dark colors for text
  • Use italics and underline sparingly, bold is better
  • Make the text big enough to read
  • Remember word can be art too!  Be creative.
  • Spellcheck

     Don't:

  • Use a lot of fonts, keep it simple
  • Use hard to read fonts with lots of tails and wings in regular text or important headlines
  • ALL CAPS EVERYTHING
  • Make text too small, you're not a credit card company

Pictures:

     Do:

  • Crop your pictures to the best part
  • Use only your best pictures
  • Use pictures that match each other
  • Make sure you can see the details

     Don't:

  • Use light and dark pictures together, it throws off the balance
  • Make pictures too small or too large
  • Use bad clip art EVER
  • Line them up like firing squad victims on half of your page

Accents:

     Do:

  • Borders are ok if they don't overwhelm
  • Outline your pictures in black or your dark accent color, it makes them pop
  • Use your company logo

     Don't:

  • Use too many accents.  They take up valuable white space and can look cluttered when abused. 
  • Not use any accents
  • Use anything that detracts from the main focus of the flier, if you notice it first, it's too much. 
  • Use brightly colored borders on pictures, you want them to look at your pictures, not your borders.

For those printing in black and white, the white space rules are even more important.  You don't have to have an expensive printer to have an effective flier.  Just keep it simple and take a few steps to make it easy to read.  And always BE CREATIVE!

 

 

 

 

 

An exciting renovation project at 310 S 15th St in Historic East Nashville is almost finished.  Slated to go on the market in Mid August, this unique home will be a showstopper.  By creatively knitting together two older homes into one with more than 3000 square feet, the renovators have designed the hottest party pad in town.  The floor plan screams music city with it's modern features cradled by historic charm. 

The finished home will have 3 bedrooms plus a huge bonus room, 3 full baths, 2 living areas, a formal dining room, 3 split levels and a 3 car garage, a feature unheard of in the area.  Floors will be hardwoods and ceramic tile with carpets in the bedrooms and a mosaic in the entry way.  Unique features include the working original fireplace from 1910 that remains intact and a new spiral staircase. 

The home has all new roofing and efficient Hardi-plank siding, as well as completely redone wiring and plumbing in the older half of the home and dual HVAC systems.  The kitchen and bathrooms sport granite counters and brushed nickle fixtures.  All appliances are stainless steel.  Recessed lighting will be standard throughout the home and a chandelier will adorn the entry.  The master bath will have a steam shower and jaccuzzi tub. 

The Michael Swift Team will be listing this home soon.  I'll be posting updates soon so check back. 

 
Lenox Village is a hot little part of Nashville right now!  Homes in Lenox Village command higher prices than the immediate surrounding area because of the unique aspects of the community.  Home owners that have lived there for 2 1/2 to 3 years are already seeing equity grow in the tens of thousands of dollars and selling their homes at a significant profit.  One of our recent listings sold in just 8 days.  We implemented an aggressive marketing plan including staging and virtual tour, priced the home competitively and the home found it's new owner in just 8 days.  This kind of fast turn around is not a-typical in this area, though not guaranteed by any means.  But anyone looking for a move or an upgrade in Lenox Village is in prime position to sell.  And we are looking to become the go-to realtors in the area.    
 
 
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Michael Swift

Nashville, TN

More about me…

Exit Realty of the South

Office Phone: (615) 550-5555

Cell Phone: (615) 456-4982

Email Me



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