First Blog Posts

Hands down, the Lake Travis area in the Hill Country has got to be one of the most topographically beautiful places to live in Texas.Just click on the link below... it's got everything!Cary Nemeroff - Lakeway, Bee Cave & Hudson Bend, Texas Expert Realtor(512) 409-4047cnemeroff@kw.comhttps://laketravis.com/visiting-lake-travis/#:~:text=Lake%20Travis%20is%20a%20BIG,maximum%20width%20is%204.5%20miles. 02/22/2022

Let's talk about ways you can lose a real estate license, specifically neglecting fiduciary duties. The core fiduciary duties which are owed to clients include, accounting, care, confidentiality, disclosure, loyalty, and obedience. These are the highest duties known to the law and a real estate agent or broker, is held to owe these duties and any other obligations on a contract to their principal.I want to talk about loyalty because it is the most important out of the fiduciary duties. Real estate agents need to Stay loyal to their principal which means not accepting employment from offers that counteract the Interests of the principal or gaining a profit which was "stolen" from the principal. Breaching the duty of loyalty will result in not only revocation of a license but a bad reputa... 02/22/2022

As a Real Estate Agent, there are various ways to lose your license. Of the 21 ways to lose your license, most of them stem from just one principle. Dishonesty. While dishonestly can be something big, most of the time it starts with little things. Whether you are dishonest about an aspect of a home, criminal history, disclosing an unnamed principal, lying to clients, making false advertising claims, using clients money for personal expenses, etc, all of these stem from being dishonest. Honesty can go a long way and can contribute to the success of your career. By establishing honest practices in the workplace, we can protect our clients, our brokerage, and ourselves.  02/18/2022

Ever since I can remember, I have loved venturing out on my own, breaking free from the stifling demands of the conventional.  This translated over the years from teaching English in Thailand to smuggling Bibles to Laos, Cuba, Vietnam, and China. Eventually, I came to the realization that I really, really wanted to break free from my 9-5 job.  Don’t get me wrong, the San Diego Public Library system is a great place to work and the benefits and paid vacation is a plus, however, after nearly fifteen years, my soul was slowly withering.  I plotted my escape.   My first attempt was to try my hand at blogging and affiliate marketing.  I had a passion for achieving health and vitality through non western methods and had witnessed my mom's miraculous recovery through using such means.  She sur... 02/17/2022

Preparing To Qualify For Mortgage: TipsAs you could imagine, there is a common theme amongst potential borrowers when it comes to buying a home and it is how they can go about Preparing To Qualify For Mortgage. This isn’t just something most people can just walk into and just get the best rate or the exact loan they want. Potential borrowers are going to have to have patience as this process takes time. Typically, if a borrower has documented income they will be able to qualify for a mortgage. Having documented income is key so that you can go through the pre-approval process to see if your finances can handle a loan at all. A common misconception is that if you have bad or damaged credit with derogatory items in your history you will not be able to obtain a home mortgage, well this is ... 02/17/2022

I was approached by my friend to stage her first buy to let property using my old furniture (I had them in storage) because she felt I have "the eye" for decorating.That got me very excited, I have never done this before and I never refused a challenge, so I thought - why not?I arranged a meeting with her and the current tenant to get their point of view on what they will like to see in their new home.After going through my storage unit I ended up having one couch, three armchairs, three tables and lots of other stuff that I think will look good in a rental.I went through the different rooms and tried to make them as inviting as possible, also, I phoned a friend who works for a furniture company to help me out with some cheap items that I could bring from her warehouse.  In the end, all... 02/16/2022

I’ve heard cases when a client provided a cheque for down payment, the sales associates deposited the money in their personal bank account and used it for their own spending. When they got caught, a typical excuse was that they were merely borrowing the money temporarily, and were planning to return it afterward. However, regardless of the intention, such practice is unacceptable.  Furthermore, mishandling can also be a result of poor money management or bookkeeping. This problem is more commonly seen in property management. (In case you don’t know, some states do require their property manager to hold a real estate license.) Most scenarios are due to negligence rather than theft. For example, a property manager forgot to deposit rents into the bank account or did not generate a stateme... 02/16/2022

 About Loan Origination FeesWhen you are looking to buy a new home or refinancing the current mortgage, it comes at a cost. Multiple charges are included in a property purchase or a refinance transaction. Most of the fees are standard. However, there are a few which could affect the cost of borrowing. One of them is loan origination fees. In this post, we will learn what is an origination fee in detail.What is the Loan Origination Process?Property purchase or refinance is funded with a mix of debt and equity. To secure debt funding, borrowers go through a multi-step process called loan origination. This process begins with the borrower submitting financial information to the bank or the lender for a purchase or refinance of the property and getting the loan.What is a Loan Origination Fe... 02/14/2022

A number of mortgage companies are now able to impose various default and late payment overlays on your credit scores.Lenders must provide mortgage requirements that are above and beyond the federal HUD minimum lending guidelines. It is not illegal or discriminatory for a bank or mortgage company to refuse to follow the minimum FHA lending guidelines. Lenders need more standards to be required. Borrowers who meet FHA Guidelines but are told they do not qualify with the bank or mortgage company. The FHA guidelines on under 620 credit scores and debt to income ratio requirementsFHA guidelines have set a lower debt to income ratio cap for borrowers with credit scores under 620. If your credit scores are at least 620 and higher, the maximum debt to income ratios allowed on FHA Loans is 46.9... 02/14/2022

Why Now is a Great Time to Buy a Hi-Rise Condo in Downtown CalgaryAccording to Calgary Economic Development's  Calgary Head Offices - Fact Sheet 2021, Calgary contains the highest concentration of head offices in Canada with 71% of them being oil and gas companies.Boom and Bust Leads to Head Office ReductionThe Calgary economy has been tightly tied to the oil and gas industry. When oil prices are high, the city and province reap the rewards. When prices are low, it is just the opposite. It has been a constant cycle of boom and bust.The last seven years however have seen an unprecedented exodus of head offices from the downtown core. This started with the sudden reduction in WTI crude prices from $93.17(USD) in 2014 to $48.66(USD) in 2015. This caused many oil and gas companies to re-eva... 02/12/2022

How and Why to Use Real Estate Direct Mail Postcards Agents are constantly bombarded with new ways of reaching potential clients, and most of these marketing gimmicks are just that: gimmicks. Why do the latest fads always get the most attention? The truth is pretty simple. You can’t trick someone into working with you, and there are no shortcuts to getting consistent results. Proven marketing tactics, like farming postcards for realtors, still work incredibly well. When consistently used with other reliable farming techniques, direct mail can be one of the best ways to keep your brand, messaging, and contact information directly in front of qualified prospects. Here are a few stats about real estate direct mail postcards that you might find surprising:  Response rates for real estate ca... 02/11/2022

It seems straight forward to provide copies of documents to your clients, but with a millions other tasks in your daily que it makes sense you may forget, or something else comes up. However, a friendly reminder this transaction may be the most important (and largest) transaction of your client's life and it is critical you don't drop the ball on such a simple assignment. So below are some ideas on how to get things done once and done right. Tip 1:  Establish your clients preferred method of sharing. Luckily we live in a digital age and PDFs are an acceptable form of sharing. So as soon as you get the document create the PDF copy and share. Also ensure the digital method of sharing is a secure one. If they want it as a hard copy, create the copy and stick it in envelop, folder, whatever... 02/07/2022

It's been a while since I've written a blog post.  I think Facebook killed the blog for many of us.  FB made it so easy to quickly post a thought with a few photos or words which took the fun and enjoyment and thought process of writing a blog and putting in some deeper thoughts and meaning.  I'm back and ready to give it another try.  I think there are 2 kinds of people out there when it comes to social media and sharing thoughts; those that create content and those that only share other peoples content.  I feel like a person who has SO MANY thoughts day and night, I need to write them down and share with others.  Maybe it'll help you to read them and maybe it'll help me to write them!I'll keep this first post short as I ease back into it, but I have so many thoughts, words, phrases sa... 02/05/2022

Our world is like many other small businesses where you have ups and downs.  I once was shown a small business graph where the line goes from I'm going to be rich, to oh, no! I'm going to be broke.  Well, it's not that extreme, but the uncertainties are there.  If you are somehow feeling this in your business, trust me, it's normal, especially in the building stages which is a volatile time.  I have built a successful real estate team and business.  I am working on the investing and flipping side, as well as starting my Airbnb journey.  There are days like I’m on top of the world and constantly in the zone, and some days like nothing is working out as planned.  Yesterday, I had a flip, finished and listed on the market that will earn significantly more than I anticipated.  Yay! Today is... 02/04/2022

Opening the mailbox and finding a letter from the IRS is frightening, but what happens next can be even scarier. The tax agency wields incredible power, and if they claim you owe additional taxes they have many different options for forcing you to pay. When the IRS claims you owe additional money, they will act quickly, and that could leave you reeling, and trying hard to preserve the money you need to pay your bills, feed your family and keep a roof over your head. If you are employed, the IRS can reach into your paycheck, forcing the company you work for to withhold part of what you are owed until the tax debt has been satisfied. The IRS can also hold onto any refunds and government payments you would otherwise be due. If you have been waiting for that big fat refund check to arrive, ... 02/01/2022

There are many ways to lose a real estate license. In fact, there are 21 ways to lose a license. The one I have decided to talk about today is dishonesty. It is true what they say when they say honesty is the best policy. When it comes to real estate, there are many ways to be dishonest. The one I want to focus on today is uploading expired listings. If a realtor is dishonest, he or she can upload an expired listing in hopes that they will attract potential home buyers. This is not a good practice because it immediately creates that level of disrespect between the home buyer and the realtor. In doing a dishonest act, you run the risk of potential clients not wanting to work with you because they have heard from others that you are listing expired properties only to get clients to contac... 01/31/2022

Long Beach Property Management Got you Down?—                                           Are you frustrated with your tenants not paying rent during Covid?          Have you been dealing with maintenance issues while getting little to no rent to support those efforts?Do you resent your tenants? Are you consumed with anger every time those tenants light up your phone? Have you lost sleep, or even worse… is your blood boiling because of those tenants? Are you at the end of your rope?                              If you answered YES to any of those last few questions, it might be time to consider hiring a property management company to step in and take things off your hands.Over the last two years, the laws affecting rent collection during Covid have changed about every eight weeks. There a... 01/18/2022

Are you curious about the worth of your home in Albemarle, NC? As of November 2021, Albemarle, NC homes’ current median listing price is $222,400. That's about $135 per square foot. The median price for homes that have sold is a little lower at $212,000. The value of your home will depend on the historical sale price and the market conditions. The home's location, size, appeal, age, and shape play a role as well.Because of these varying factors, it’s best to get an appraisal to get the actual value of your home. Let’s explore these details - and how they affect the cost of your home. Albemarle, NC Housing Market TrendsThe current Albemarle, NC housing market is booming. It remains a seller’s market. That means there’s a high demand for multi-family homes for sale in Stanly County, NC. A... 01/09/2022

All real estate agents want their listings to stand out and get the attention of buyers, but is there is such a thing as going over the top or misrepresenting a property?  If you've used any of these phrases, you might be pushing it.Extremely small lot touted as a"no maintenance lifestyle".Changing "Needs a new roof" to "open concept".Adding an extra zero to the square footage "accidentally".Counting a coat closet as a "bonus room".Using a picture from your favorite Fixer Upper episode in the listing photos.Before you write that next listing, think about what you are are saying and remember  that honesty is the best policy when it comes to the real estate and your reputation.      01/07/2022

      Hello to all that read this blog post. I want to start off by introducing myself because, this in fact is my first blog post. My name is Eli Yanguez. I am training to become a successful real estate agent. I am eager to learn and I am using this blog account as a practicing tool and way to listen to other successful agents. Please reach out, comment on this post, message me. I would love the feed back. So without further a due, enjoy.      Todays blog is about agents also being fiduciaries. When you become a agent and work with your clients, you are not just a real estate agent. You have become so much more. You are a agent, a therapist, a life coach, a life line, a friend, a shoulder to cry on, and in addition to everything else you have become a financial advisor and fiduciary. ... 12/31/2021