Wednesday, December 16, 2015

The 4 Stages of Change to Make Your Resolutions Stick.

According to Forbs Magazine- they estimate more than 40% of Americans—make New Year’s resolutions. ... But for all the good intentions, only a tiny fraction of us keep our resolutions by December 31,2015; Yes, research (University of Scranton) suggests that just 8% of people achieve their New Year’s…So if you can set a S.M.A.R.T goal and work towards it all throughout the year—you are now in the top 8-10% of all the nation. 

But it takes knowing what you want to accomplish, figuring out the steps to get there- and then MOST importantly- taking action.

If you have trouble keeping your New Year’s resolutions, you may benefit from taking a more scientific approach.
In the late 1970s, researchers studying the experiences of smokers to learn why some were able to quit on their own and others needed further treatment found that people move through varying degrees of readiness when changing behavior. Initiatives that don’t match the correct stage of change will be ineffective, because the person will not be ready for it.
By identifying where you are in the process and what you can do to reach the next stages, you increase your chances of sticking to your healthy resolutions.


Precontemplation: You’re not ready for a change.Yet!!
If there’s things you want to change (such as a poor diet or sedentary lifestyle), one of your first questions is probably, “How did it get to this point?” Likely it’s because you didn’t see them as a problem at the time. That’s where people in this stage are.
It sometimes takes an epiphany, such as a health scare or personal issue, to move out of this stage. If you’re reading this ad, though, you are likely at one of the steps below.


Contemplation: You’re open to the idea of changing, but are not immediately ready to prepare to take action.
Change is often slow and difficult. It’s easy to find excuses and justifications that prevent us from moving forward with change. For instance, we tell ourselves that we should get more exercise, but we don’t the time to make it happen right now.
If you’re in this stage, remind yourself of how changing your behavior will benefit your life. Try writing out a list or taking a self-assessment to get off the fence.


Preparation: You’re taking steps to change behavior.
Once you decide for sure that you’re going to change, you need to get ready to do it. The more you plan for success, the better your chances will be. This is the stage that usually get the most focus and attention. These are where the diet plans and gym memberships come in.
There are several best practices for this stage. Make SMART goals. Focus on small changes that can have a positive impact. Identify and eliminate barriers that get in the way. And gather support from family and friends.


Action: You’ve implemented your plan.
Congratulations. You’ve taken your first step toward the new you. Many people like to choose a specific date and time to begin the action stage. That helps make it a commitment in our minds.
Now you have to keep at it until your actions become behaviors. According to the researchers, the action stage lasts for about three months before moving into the final stage.



I hope this helps you and guides you to where you want to be in life…but remember happiness is a decision. So no matter where you find yourself in life- decide to be happy there!  

Sunday, November 29, 2015

55+ older community settle in and enjoy the good life!



Welcome home! You will find, this home has been lovingly taken care of, with 2 bedrooms+ Arizona room for an office or craft room, 1.75 bath, a large living and dining room and a very efficient kitchen floor plan make this house feel like a home. There is storage galore-- with a very large linen closet, coat closet, nice pantry, above cabinets for the washer and dryer inside the home, and each bedroom has 2 closets. But that is not all…the 2 car garage has natural light and a work shop area to tinker in. You will be able to enjoy the wonderful Arizona sunsets on your extended, private patio, and 2 orange trees in the back yard will keep the sun off the home and a smile on your face. Call now to see this home.

Monday, November 23, 2015

Live Life with an Attitude of Gratitude

This holiday always makes me and I am sure you do too-- think of what I (you) are grateful for.  But wouldn't it be a better world if we lived a life with an attitude of gratitude?  Here are tips I found to do just that.  I am going to try to implement a few in my day to day life...all I know is it can't hurt!!  :)  Wishing you and your family the best of this Thanksgiving Week!! May you find your happiness!


The Attitude of Gratitude
ATTITUDE OF GRATITUDE
Top researcher, Robert Emmons said: “The practice of gratitude can increase happiness levels by around 25%. This is not hard to achieve – a few hours of writing in a gratitude journal for three weeks can create an effect that lasts for 6 months or more.
Cultivating gratitude also brings other health effects, such as longer and better quality sleep time.”


Are you intrigued yet? Here are 10 Ways to Practice Gratitude Today!*

1)        Post words, photos, and objects of gratitude in your home. Place the items where you will see them often, and then let them remind you to be grateful.

2)        Gratitude journal. This is the most common gratitude practice and one of the most effective according to research. Write 5 things you are grateful for and try not to repeat items too often. Do this each night before bed or even once a week but do it regularly and sincerely. 

3)        Gratitude Letter and Visit. Think of someone who has made a powerful impact on your life, write a letter of gratitude to them then visit them and read it in person. You can mail it too, but actually doing it in person is one of the most powerful gratitude practices you can do! 

4)        Incorporate gratitude into exercise or morning routines. Reflect as you warm up for exercise, it is a great way to start your day.

5)        Say “Thank You” more often. Just start saying it for everything. Everyone likes to be thanked. 

6)        Write Thank You notes. When someone touches your heart, write them a note. It’s also wonderful to write a note “just because”.

7)        Text your loved ones a message of thanks. Simple. Effective. One of the greatest ways to make their day, and yours.

8)       Practice Mindfulness to appreciate each moment. Focus on the present moment. Notice what is around you.   
       Experiencing what is right in front of you is one of the surest ways to keep a grateful heart. It also ensures you
       won’t miss a single special blessing.

9)        “Three Blessings” Exercise. This is a great family activity. At dinner time or before bed, ask your child to tell you three blessings they have experienced that day. Make sure you join in too!

10)     Acknowledge one ungrateful thought per day and replace it with a grateful one. Learning to hear, question, and alter your thoughts into something more grateful is a blessing. It gives you the power to change your life one ungrateful    thought at a time.



Wednesday, October 14, 2015

Living a Life of Gratitude

What are you grateful for?  How do we live life and be grateful every day? I am always trying to live my life with Gratitude but always need a reminder.

Well, I am sure you have heard a few really good tips to living a grateful life like; 
  1. Keep a journal near your bed and either before you go to bed or right as you wake- write 4 to 5 things that you are grateful for.  
  2. Keep an empty jar nearby your work area and write down something you’re grateful for every time you feel stressed out (or perhaps when you say a certain phrase).
  3. Vow to not complain, criticize, or gossip for 30 days at a time-- If you slip, rally your willpower and keep going. Notice the amount of energy and TIME you were spending on negative thoughts and actions.

We all have said it; “time is precious”, “time is money”, “time goes so fast when you are having fun”

And many wise people have tried to warn us; Time is what we want most, but... what we use worst. ~William Penn       “You will never find time for anything. If you want time you must make it.” – Charles Buxton            “It’s not how many things you start that make you successful. It’s how many worthwhile things you finish.” – Peter Turla

Well I can go on and on… but who has the time?? 

My point to all of this is find people to do tasks for you that will help give you more time to accomplish what you need to accomplish.  Don’t get caught up in the: I need to do it myself to get it done right, mode.  If you need your landscape done then why not hire it out, they can do if far better and faster than you, if you need to do marketing for your business, why not hire a company that specializing in just that? 

I complied a very simple- basic list of things you may need and I really hope it helps to have my go to for these items

House Cleaner. Make your home sparkle for the holidays when you call the team at T&G Cleaning services- 480-239-8170.
Carpet & Furniture Cleaner. Every day wear and tear can age the flooring and furniture in your home. Don’t replace, call the team at T&G Cleaning services- 480-239-8170 and get your home ready for visitors!
Plumber. Hire a plumber like the team at Carter Plumbing  www.CarterPlumbingCo.com 480-448-9883 to check your home for leaks and to install new fixtures before the guests arrive.
Landscaper. Before you deck the yard with holiday cheer, call the team at Urban Roots Landscaping 480-254-7407 to trim the trees, clear the brush, and get your yard ready for the holiday season.
Pool. Even though it’s too cold for a swim, you want to keep your pool healthy through the summer Contact the team at AZ Pool Care Pros www.azpoolcarepros.com 480-699-2566.
Pest Control. The last thing you need at your holiday dinner is an unwanted houseguest. Call the team at Carter Pest control www.CarterWeed.com 480-539-7250.
Handyman. Is your honey-do list out of control? Call Ellington Home Services 480-510-7857 to help get your home ready for Santa.
Assistant. Take some holiday stress away when you hire a holiday assistant to help you run errands, purchase gifts, and set up the outdoor decorations. Chelle at Buyin’ Time is ready to help. http://www.buyin-time.com/
Pet and Housesitting. Don’t leave your pets and home unattended. Hire a House and Pet Sitting Service to check on your home and furry friends while you’re out enjoying holiday cheer like the great team at K9 Convenience - Pet services 480-269-8830 
Energy Audit or a Remodel on your to do list? Ever wonder how much energy your home is using? Call Phil’s Better Built Energy Savers for an energy audit. They’re APS and SRP approved for audits and repairs. That means you may be eligible for rebates for repairs Phil completes on your home. http://www.betterbuiltenergysavers.com/features 
Also Phil is a General Contractor that can do a small project to a complete rebuild…He is my go to guy when it comes to remodeling and upgrading contact info is Better Built homes 602-570-8788

I truly hope this helps and if nothing else it is a good reminder to stop and be grateful. 

Tuesday, October 13, 2015

Here is just a few Homes I sold and I can sell yours too!!

 This beauty is in Adora Trail and sold quickly
Here is a darling one in the heart of Gilbert sold in 10 days
Wow, this one has a heated pool in the communityand under $200,000
Pride of ownership shone through on this San Tan Valley home sold for list price
This gem in Ahwatukee sold in 3 months
This classic South Phoenix home sold for more than the owners hoped for!
Alta Mesa golf course has his beauty nestled among the trees sold within 14 days


The 10 must have holiday "elves"you need this season and always!

Take the stress out of the holiday season when you hire these ten holiday elves to help you get your home ready for holiday guests.  I am always so grateful to have people I can trust to help when I need them.  So I thought I would make a list for you so you can use my trusted "assistants".  

I hope you enjoy their services- no one can buy their way on to my list- these folks have been used by clients or myself to get on this list!  

·        House Cleaner. Make your home sparkle for the holidays when you call the team at T&G Cleaning services- 480-239-8170.
·        Carpet & Furniture Cleaner. Every day wear and tear can age the flooring and furniture in your home. Don’t replace, call the team at T&G Cleaning services- 480-239-8170 and get your home ready for visitors!
·        Plumber. Hire a plumber like the team at Carter Plumbing  www.CarterPlumbingCo.com 480-448-9883 to check your home for leaks and to install new fixtures before the guests arrive.
·        Landscaper. Before you deck the yard with holiday cheer, call the team at Urban Roots Landscaping 480-254-7407 to trim the trees, clear the brush, and get your yard ready for the holiday season.
·        Pool. Even though it’s too cold for a swim, you want to keep your pool healthy through the summer Contact the team at AZ Pool Care Pros www.azpoolcarepros.com 480-699-2566.
·        Pest Control. The last thing you need at your holiday dinner is an unwanted houseguest. Call the team at Carter Pest control www.CarterWeed.com 480-539-7250.
·        Handyman. Is your honey-do list out of control? Call Ellington Home Services 480-510-7857 to help get your home ready for Santa.
·        Assistant. Take some holiday stress away when you hire a holiday assistant to help you run errands, purchase gifts, and set up the outdoor decorations. Chelle at Buyin’ Time is ready to help. http://www.buyin-time.com/
·        Pet and Housesitting. Don’t leave your pets and home unattended. Hire a House and Pet Sitting Service to check on your home and furry friends while you’re out enjoying holiday cheer like the great team at K9 Convenience - Pet services
480-269-8830 
·        Energy Audit or a Remodel on your to do list? Ever wonder how much energy your home is using? Call Phil’s Better Built Energy Savers for an energy audit. They’re APS and SRP approved for audits and repairs. That means you may be eligible for rebates for repairs Phil completes on your home. http://www.betterbuiltenergysavers.com/features 
Also he is a General Contractor that can do a small project to a complete rebuild…He is my go to guy when it comes to remodeling and upgrading contact info is Better Built homes 602-570-8788

Here’s to a less stressful holiday season! Contact me if you are thinking of buying or selling down the line as I will help guide you to your dreams!  

Monday, August 24, 2015

Credit Tips for the Recently Divorced

Divorce can take its toll on you emotionally as well as financially. While it doesn’t directly impact your credit, it can certainly impact your credit indirectly. Joint debt, for example, needs to be paid even while the divorce terms are being negotiated. If it’s not, it goes on your (and your ex-spouse’s) credit as a non-payment. That might not matter in the short-term but it will impact your ability to obtain credit like a mortgage in the future.
While you may not want to buy a home too soon, it’s a good idea to get your credit in order for the time when you’re ready. Here are credit tips for the recently divorced:
Ø  Update Accounts. Review your divorce decree to determine which assets and liabilities need to be split between you and your ex-spouse. Just because the information is in a court document doesn’t mean your creditors know who owes the money. Creditors just want payments to be made; you need to notify them of who is responsible for the debt. You also want to make changes to assets to be sure the proper names are on titles to vehicles, homes, bank, and investment accounts. If you don’t make these changes and your ex-spouse isn’t paying their debt, you can be held responsible. Late and non-payments can impact whether or not a lender approves your mortgage.
Ø  Get Your Credit Reports. This is so important because when dividing households you want to make sure only the accounts you agreed to pay at the time of your divorce are showing on your credit…if there are others, catch them early so they can’t hurt you. If there are discrepancies, you can take care of them before it’s a time crunch to get your house closed. Monitor credit quarterly using www.annualcreditreport.com  you get 1 free report from each of the 3 bureaus each year, so if you spread them out throughout the year you can keep your fingers on the pulse of your credit- so to speak.   
Ø  On-time Payments. Even if divorce has impacted your credit negatively, you can begin improving your credit simply by paying your bills on time. This includes credit cards, and vehicle and other loans. Yes, it really is that simple! It takes time but the slow and steady course will eventually allow you to win!
Ø  Create a Budget. Whether it’s the bigger picture of retirement and investment savings- getting your kids off to college or your personal monthly budget, you’ve got to know where you stand financially. Create a list of income and expenses to see where you can make changes. You may need to live in a less expensive place to be able to cover monthly expenses, now to make your future the one you hope for!  Remember your goals in the day to day of life and you will be able to save to buy a new home, take those dream vacations, get those kids off to college or whatever your heart desires!
Ø  Build Your Credit. If divorce (or other circumstance) has taken a toll on your credit, consider getting a secured credit card or using a credit builder account like that offered by BMO Harris Bank. They deposit $1,000 into an account with your name on it and you make a payment to them each month for 2 years and at the end of it you have $1,000+interest (to help with your down payment) but more importantly they have been reporting your payment history and you have great credit! The payments you make are reported to credit agencies and can improve your credit within a year or two.
Ø  Review your retirement accounts/ life insurance beneficiaries Now that your now is being protected, you need to look at your future.  Make sure your beneficiaries for all life insurance and retirement accounts have been changed to reflect who you want the money to go to.  This is a step many forget about, so go the extra mile and make sure your loved ones with get everything you want them to.

At Beery Realty, we help our clients through the home buying process. But more importantly we are here before and after to be your resource and your guide.  
Some work on your credit today will help you obtain a mortgage in the future. If you have questions or need some help working through some of these steps I have many ways to help! Remember I am just a call away! 

Friday, July 31, 2015

When Is It Time to Sell My Rental Property?


As an investor, I understand the stress and reward of having rental properties. They make a great investment, especially for retirement planning, but they also cost money in maintenance. Often I am asked by investor clients, “When is it time to sell my rental property?” Here are some guidelines:

Costs. Being a real estate investor is like being a business owner and you have to know your numbers. What is the rental home actually costing you? If the mortgage is $1,000/month and the renters are paying $1200/month, is that enough to cover taxes, pool maintenance, landscaping, HOA dues and other expenses? If the answer is no, it might be time to raise the rent if the market will allow or sell the home.
 Market Shifts. In the Phoenix market, it is estimated that we will see a shift from a seller’s market to a buyer’s market in 2016. That means prices of homes will go down. If your rental property is paid off or you have a low mortgage compared to current market value, you may be able to remain profitable even with market shifts. It’s important to know where you stand. Are you wondering the ROI of your investment property? Contact me today to receive the Investor ROI Calculator.
Life Change. Many investors purchase homes as part of retirement savings. If you’re experiencing a life change such as retirement or an empty nest, it might be time to cash out your investment properties in favor of another investment. I recommend checking with a real estate professional as well as your financial adviser before making a decision.
Hassle. Dealing with renters can be exhausting. If you’re looking to simplify life and have less stress, that could be a sign for you to consider selling your rental property. Of course, the financial considerations would outweigh hassle; you could hire a rental company to manage your properties until it was the right time to sell.
 Age and Condition. As an investor, I understand the struggle of wanting to keep cash in hand versus making updates on a rental property. Over time the home will deteriorate and could end up costing you more money if you don’t keep up with repairs and maintenance each year. Eventually the kitchen and bathrooms will need updating and you’ve got a decision to make about whether to renovate or sell the rental property. When planning for your investment property be sure to keep a line item for normal maintenance.

Real estate is a great investment in your future and can be something you leave for your children, but make sure when the time comes it will be a good investment you are handing over to your children, not a bunch of problems.



The team at Beery Realty helps investors buy and sell properties and would love to talk to you about your investment needs.

Monday, July 6, 2015

Helping My Clients Reach the American Dream


Since the start of our nation, Americans have worked to own their own land and moreover their own home.  Our nation is only a few in the world that this is possible.  It is a privilege granted to anyone who wants it; not a birthright, and not for only the rich.

 My goal is to help everyone I come in contact with to make this dream a reality.

In the past, it was much easier to attain, but now with the credit and housing crunch there are many hoops you must jump to make it to home ownership.  

As seen below;
There have been some who have voiced doubt as to whether or not the younger generations still consider buying a home as being part of the “American Dream”. A recent study by Merrill Lynch puts that doubt to rest. According to their research, every living generation still maintains that owning a home is in fact important. Here are the numbers:


This should not surprise us as many studies have revealed the benefits enjoyed by the families who own their own home. One such study was done by the Joint Center of Housing Studies at Harvard University that addressed a major financial benefit to owning your own home: forced savings.


The report explains:
“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”


The Merrill Lynch study proves this point with the following data on home equity (a form of savings):


Bottom Line
There are many reasons that owning a home makes sense. The financial reasons are powerful.

 As one participant in the Merrill Lynch study put it:
“When I was younger, I always worried about that monthly mortgage payment. Now that I am retired, I have the peace of mind of knowing I own my home free and clear.”


If you know someone thinking of starting the process of buying a home and are not working with a REALTOR—Let them know it doesn’t cost them a thing to have someone on their side to make sure they get the right representation, and I will be in their corner the whole way through to make sure they have taken the right path to lead them to the their dreams down the line.

 I would be so honored if you passed my name to them and I would be happy to guide them through the buying process. 


 special thanks to Keeping current matters 

  

Thursday, May 28, 2015

Some basics about reverse mortgage financing

Benefits of a Reverse Mortgage—
It is not for everyone but can REALLY help certain folks!

If you’re 62 years old or older and in need of supplemental income, consider a reverse mortgage. This is a special home loan that allows you to convert equity in your home into cash. Make your home, your biggest and most valuable asset, work for you by obtaining financing to help you pay for basic expenses including:

  • ·         Paying off current mortgage
  • ·         Healthcare expenses
  • ·         Supplement retirement income
  • ·         Home repairs or renovations

With a reverse mortgage you are able to convert part of the equity in your home to cash without having to sell your home or pay additional bills. This program is perfect for seniors (62 years old+) who have little to no other assets and need extra income. You don’t make payments on the mortgage BUT you do need to pay taxes and insurance each year. The amount approved for the reverse mortgage must be enough to cover payment of outstanding liens or you may have to bring cash to the closing. 

  • The home qualifies not you...so no credit check no debt to income ratio to meet.
  •  Only one spouse needs to be 62 years or older to qualify for the loan.
  •  Refinance your existing home or purchase a new home*.
  •  Instead of you sending a payment to the bank, that bank can pay you monthly, or you  can chose a lump sum paid to you at the beginning of the loan. 
  • Must be your main residence.


Many seniors choose to use the reverse mortgage to cover living expenses while others choose to use it as financing for other family needs. However you choose to use the funds from your reverse mortgage, we know you will be less stressed!


For more information about reverse mortgages, please contact our recommended Reverse Mortgage Expert;

Greg Sorenson at MegaStar Financial Corp. 


If your are thinking of buying a home using a reverse mortgage- I can get you started. 


Sunday, April 26, 2015

Buying a New Construction Home Shouldn’t Be Scary…and Here’s Why

You have weighed all the options and decided a new construction home is right for you. Congratulations! 

Now you want to find the perfect builder for your dream home.  It’s a great undertaking – and a great reward – to walk into you own brand new house and make it home. The process to get from meeting builders to that moment can be stressful which is why we recommend working with a real estate agent.

The good news is that you don’t have to deal with negotiating with a seller like you might with a previously owned home. At BeeryRealty we think buying a new construction home shouldn't be scary, it should be fun!  We can show you how!

   Research Builders. You’ve decided to build a home from the  ground up, it’s essential to learn about the builders before  selecting one. Working with a real estate agent who is familiar with  new construction, you can identify reliable builders in the area and  select one that best meets your needs.

   Real Estate Agent. Bring a real estate agent with you to your    initial visit at the builder’s location. If you don’t, you risk not being  able to have an agent with you for the home building and buying  process. That may seem not very important, but think about it, do  you want the builder's agent to represent your interest, or do you  want someone on your side?  I know I would want someone on my side concerned for what is best for me. Someone who I can tell them what is important to me and they will do what they can to make it happen.

Negotiating. There’s a fair amount of negotiating that happens when you’re working with a builder. An experienced real estate agent, like Beery Realty, can help you negotiate a fair price for the base home plus upgrades. I recommend selecting the essentials for your home first, then upgrades. You will have a better understanding of costs and your budget. Remember, you still have to furnish and add personal touches to the home after it’s built so you don’t want to spend all of your house savings on the build.

 Get it in writing. Once you’ve negotiated a contract with a builder, get the agreement in writing. There’s way too much risk to build a home from a handshake deal or a promise to send a contract later. If the builder won’t put your deal in writing, walk away. There’s a better builder out there for you.

Inspection. When you build a home, you have the unique opportunity to inspect the home at various levels of construction. Be sure the builder understands and allows this to happen. Have an inspection of the home completed after the foundation is poured, after framing is completed (and before the drywall goes up), before cabinetry is installed, and a final 


If you’re ready to start the process of building your own home, contact me if you have questions or start the process, so you know you are doing the right steps to ensure a happy home in the future.  480-570-1912 direct