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Displaying blog entries 1-10 of 141

Social Media- What's All The Buzz About?

by Casey Glissen

As social media continues to grow, an increasing number of people are using it for much more than connecting with old friends.  Before deciding which agent to use, many homeowners are turning to the internet to see who has the biggest online presence.

The reality is social media can create a buzz about your home with little effort.  There are so many tools available to help automate social media posting; it is becoming easier for people of all ages to utilize social media to their advantage.

One of the newest tools available to help with social media is Buffer.  It was created to help individuals and businesses alike simplify managing their social media accounts.  If you have never heard about Buffer, I want to encourage you to check it out!  As a Marketing & Communications Director, it helps keep our team involved on multiple social media platforms without requiring me to spend hours on social media.

I'm all about giving tips and insights to help people become more savvy. Whether you are an agent, a homeowner, or just someone looking to make a buzz on social media, I've got some tips to help you do just that! 

1.  Make your social media content relevant to your audience:  There is a way to advertise your business without posting the same ole boring post that every other person on social media is posting.

2.  Use video:  More people see your posts if you include video.  Think about it like this, how many people post on social media daily?  How many posts do you actually read?  Personally, I keep scrolling until something catches my eyes; usually pictures and video will catch my attention and keep my attention for much longer than a wordy post

3.  Be Genuinely You:  People don't relate to perfect!  People want to see your normal, everyday life.  If you go fishing, have kids, go for a walk, are on vacation, etc....People want to be a part of your life.  Your social media accounts allow people to get a glimpse into your life.  

 

How to repair my credit and improve my FICO Scores

by Scott Zeller

It's important to note that repairing bad credit is a bit like losing weight: It takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast. The best advice for rebuilding credit is to manage it responsibly over time. If you haven't done that, then you need to repair your credit history before you see credit score improvement. The tips below will help you do that. They are divided up into categories based on the data used to calculate your credit score.

3 Important Things You Can Do Right Now

  1. Check Your Credit Report – Credit score repair begins with your credit report. If you haven't already, request a free copy of your credit report and check it for errors. Your credit report contains the data used to calculate your score and it may contain errors. In particular, check to make sure that there are no late payments incorrectly listed for any of your accounts and that the amounts owed for each of your open accounts is correct. If you find errors on any of your reports, dispute them with the credit bureau. 

    Read more about Disputing Errors on Your Credit Report
  2. Setup Payment Reminders – Making your credit payments on time is one of the biggest contributing factors to your credit scores. Some banks offer payment reminders through their online banking portals that can send you an email or text message reminding you when a payment is due. You could also consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account, but this only makes the minimum payment on your credit cards and does not help instill a sense of money management.
  3. Reduce the Amount of Debt You Owe – This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.

More Tips on How to Fix a Credit Score & Maintain Good Credit

Payment History Tips

Contributing 35% to a FICO Score calculation, this category has the greatest effect on improving your scores, but past problems like missed or late payments are not easily fixed.

  • Pay your bills on time.
    Delinquent payments, even if only a few days late, and collections can have a major negative impact on your FICO Scores.
  • If you have missed payments, get current and stay current.
    The longer you pay your bills on time after being late, the more your FICO Scores should increase. Older credit problems count for less, so poor credit performance won't haunt you forever. The impact of past credit problems on your FICO Scores fades as time passes and as recent good payment patterns show up on your credit report. And good FICO Scores weigh any credit problems against the positive information that says you're managing your credit well.
  • Be aware that paying off a collection account will not remove it from your credit report.
    It will stay on your report for seven years.
  • If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.
    This won't rebuild your credit score immediately, but if you can begin to manage your credit and pay on time, your score should increase over time. And seeking assistance from a credit counseling service will not hurt your FICO Scores.

Amounts Owed Tips

This category contributes 30% to a FICO Score's calculation and can be easier to clean up than payment history, but that requires financial discipline and understanding the tips below.

  • Keep balances low on credit cards and other "revolving credit".
    High outstanding debt can affect a credit score.
  • Pay off debt rather than moving it around.
    The most effective way to improve your credit scores in this area is by paying down your revolving (credit cards) debt. In fact, owing the same amount but having fewer open accounts may lower your scores.
  • Don't close unused credit cards as a short-term strategy to raise your scores.
  • Don't open a number of new credit cards that you don't need, just to increase your available credit.
    This approach could backfire and actually lower your credit scores.

Length of Credit History Tips

  • If you have been managing credit for a short time, don't open a lot of new accounts too rapidly.
    New accounts will lower your average account age, which will have a larger effect on your scores if you don't have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

New Credit Tips

  • Do your rate shopping for a given loan within a focused period of time.
    FICO Scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.
  • Re-establish your credit history if you have had problems.
    Opening new accounts responsibly and paying them off on time will raise your credit score in the long term.
  • Note that it's OK to request and check your own credit report.
    This won't affect a score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.

Types of Credit Use Tips

  • Apply for and open new credit accounts only as needed.
    Don't open accounts just to have a better credit mix – it probably won't raise your credit score.
  • Have credit cards – but manage them responsibly.
    In general, having credit cards and installment loans (and paying timely payments) will rebuild your credit scores. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.
  • Note that closing an account doesn't make it go away.
    A closed account will still show up on your credit report, and may be considered by a score.

To summarize, "fixing" a credit score is more about fixing errors in your credit history (if they exist) and then following the guidelines above to maintain consistent, good credit history. Raising your scores after a poor mark on your report or building credit for the first time will take patience and discipline.

Article Source: http://www.myfico.com/crediteducation/improveyourscore.aspx

4 Things to Know about House Hunting in a Hot Market

by Scott Zeller

 

This expert advice on house hunting in a hot market will help you in your search!

Since my husband and I were married in October of 2015, we’ve decided to start looking into buying our first place. We’ve been renting an apartment in Hoboken, NJ that we absolutely adore, but the truth is that space is becoming an issue – we’re talking one closet here, people. It’s serious! 😉

The thing about buying a place in Hoboken, though? It can be a really intense process. Hoboken is one of the hottest markets in the greater NY/NJ area and prices are high & inventory is low. That’s why we’re so grateful to be working with Josh Johnson from the Jill Biggs Group who has been guiding us with all of his best advice for house hunting in a hot market. I asked Josh to compile his top tips for others going through the same thing; here’s what he had to say:

Get Pre-Approved

I tell my buyers their first step should always be to get pre-approved. This is an important first step for a few reasons:
1. You and your realtor will know what kind of budget you are working with.
2. You will find out if you are stretching your budget or perhaps you can afford more!
3. You should know how rising interest rates can affect your monthly payments and purchase price (compare present vs. future!)
4. You may learn how to save time and money by using funds from different types of bank accounts such as Roth IRAs or your 401k.
5. Some sellers will request a pre-approval to book a showing.
6. Lastly, you will need one on file to make an offer!

Work Closely with Your Agent

In today’s market there are so many buyers looking for a new home and a severe lack of inventory! By being the first to see a new listing (and hopefully get in the first offer), this gives you a leg up in that the seller will most likely come to you first with a counter offer or notification of a competing offer, so you will have more control when it comes to negotiation. Also, sometimes sellers are so happy to get a fast offer, they will accept right away and take it off the market (as long as it’s a strong offer!) Make sure your realtor is sending you listings personally via text/email and has you on an automatic listing alert system so you don’t miss anything.

Be Prepared for a Bidding War

In fact, be prepared for multiple bidding wars. In my market, almost every property is going into a highest and best situation. Most of my clients lose the first couple of times, just because they are getting a feel for the market and how it works, but as long as the buyer remains competitive and aggressive, they always end up with a property. My advice is to be decisive, expeditious, and listen to your realtor! Don’t forget we do this every day. If you know and trust your realtor, they will guide you into making a smart decision to reach your ultimate goal of obtaining a property. Remember, not all realtors are the same – do your research and hire a professional!

Do Your Homework

It’s important to be working with an agent you can trust. If they are a referral from a family member or friend and have positive online reviews, that means they have experience and a solid history with their clients. There are multiple situations that may come up in your real estate transaction, and you will want someone to keep your stress levels low and your bank account high. Never do anything you are uncomfortable with. Also, make sure to go see properties that line up with your “check-list”. I recommend 3-5 at a time, and don’t waste any time going to see something ‘just to see it’ – if you know a property won’t match what you are looking for, it’s not fair to waste your realtors’ time and you don’t want to drain yourself mentally by seeing too many properties. Best of luck!

 

Article Source: http://blog.coldwellbanker.com/4-things-know-house-hunting-hot-market/

The 5 Spring Cleaning Trends that Go Way Beyond Clean

by Scott Zeller

 

As daunting as the task sounds, spring cleaning can be a great boost to your mental health. Here are five ways to implement a whole-home system that has the power to change the way you feel about your home for the better.

If you’re among the 68 percent of adults, as reported by OnePoll, who feel daunted and uninspired about the prospect of spring cleaning, you may want to consider the positive mental aspects of meeting the task head-on. Psychology Today reports on the negative impact clutter can have on our mind and bodies, and the long-term health benefits that can result from a thorough spring cleaning. Experts say the key to success is to go beyond clean to a decluttered and refreshed space. Here are five ways to implement a whole-home system that has the power to change the way you feel about your home for the better.

1. Remove It

It’s one thing to give your house a thorough clean, but it’s another to have a critical look at what you own, and get rid of the excess for a fresh start. To truly get the full mental benefit out of your spring cleaning, try categorizing your belongings using three piles: what you use, what you can sell, and what you can give away.

Books, furniture, and home goods can be great items to make a little money from and there are plenty of ways to sell your things beyond the garage sale method. Amazon, Craigslist, Kijiji, eBay, and Half.com are all great avenues to post your belongings for a quick sale. Textiles and footwear make great donations to help those in need.

Woman Donating Unwanted Items To Charity Shop

2. Clean It

Once you’ve decluttered, you can then focus on giving your home the scrub-down it deserves by focusing on the details that get missed in your everyday cleaning regimen. From cleaning window-screens to scrubbing baseboards or cleaning carpets, a good cleaning will improve your mood and the look and feel of your home in no time. Just remember to make a list and go room-by-room if it all seems too overwhelming.

3. Paint It

If you’re considering new paint colors for your home, spring is the perfect time to change the look of your space and capitalize on any spring paint sales at your local hardware store. In many areas of the country, the weather will allow for open windows, which can reduce fumes and help speed the drying process between coats. Check out hot new colors for 2016 or stick with light classics for a fresh look.

cute couple painting new home together portrait while sitting on wooden floor

4. Organize It

Though it can be tempting to go straight to the organizing phase of spring cleaning for instant gratification, leaving it until after you declutter can save you from purchasing more storage for items you don’t need or use. Once your home is free of clutter, you can focus on meaningful storage for your items. Remember that storage doesn’t have to be restricted to plastic totes. Baskets, boxes, and colorful bins can hold a variety of items while increasing the style factor of your home.

5. Decorate It

Time for the finishing touches with decor items that can mimic the colors of spring and bring the outside in. Throw pillows and curtains are an easy way to add a pop of color without overwhelming a space. If textiles aren’t your thing, small accessories grouped in threes can easily add seasonal flair to coffee tables, bookshelves, and mantles. Finally, colorful florals — whether real or artificial — can make a huge impact when placed in unusual containers like antique teapots, tin buckets, or even mason jars.

Whatever your style, going beyond the typical clean to simplify your space will not only make a beautiful space but will positively impact every aspect of your life, from activity level to stress to sleeping patterns and creativity. So break out the gloves and start planning!

 

Article Source: http://blog.coldwellbanker.com/the-5-spring-cleaning-trends-that-go-way-beyond-clean/

 

 

 

 

 

YOUR "Z TEAM" TIP OF THE DAY! "How To Prepare For An Open House"

by Scott Zeller

YOUR "Z TEAM" TIP OF THE DAY!

"How To Prepare For An Open House"

Let's face it - the thought of selling your home & all that goes along with it can be daunting. Add in everyday tasks like work, family activities & such and the process can become even more overwhelming. But the truth is, preparing your home for open houses & showings can make a HUGE difference and reduce the number of days your home is on the market drastically. We've found some great tips from HGTV that will walk you through the process. While it may seem like a lot to do, many of these items can be handled in a weekend or two, and trust us, you'll be glad you put in the effort. Instead of your home sitting on the market for months, you'll be packing up & moving on to your new place in no time!

YOUR "Z TEAM" TIP OF THE DAY!

"20 Painting Tips & Tricks You Never Knew"

Whether you're a regular ol' pro at painting or just considering your first attempt, we've found some great tips & tricks courtesy of Live Love DIY that'll make the process simpler. Check out their two part series here and here that will change the way you paint forever!

YOUR "Z TEAM" TIP OF THE DAY! "DIY Oil Rubbed Bronze"

by Scott Zeller

YOUR "Z TEAM" TIP OF THE DAY!

"DIY Oil Rubbed Bronze"

Looking for a very quick weekend project that can inexpensively update your home? Look no further! This simple fix from Time 2 Save shows you how even outdated light fixtures can be saved - not replaced! A quick coat of spray paint in oil-rubbed bronze can update and freshen everything from light fixtures, door knobs, handles, and lots more!

YOUR "Z TEAM" TIP OF THE DAY! "Stay Warm Without Huge Energy Bills"

by Scott Zeller

YOUR "Z TEAM" TIP OF THE DAY!

"Stay Warm Without Huge Energy Bills"

Baby, it's cold outside! Take a look at these 10 great tips from The Simple Dollar to stay warm & cozy inside your home without breaking the bank!


If you're considering listing your home for sale, winter months can be a bit of a slower time, but don't let that deter you! Take a look at some of these great home staging tips from Houzz.com to set your home above the rest & get it sold FAST! 

                                                  

YOUR "Z TEAM" TIP OF THE DAY! "Delicious Cold & Flu Cures"

by Scott Zeller

YOUR "Z TEAM" TIP OF THE DAY!

"Delicious DIY Cold & Flu Cures"

It's definitely that time of year: viruses everywhere! Fortunately, there's 24 tasty remedies from BuzzFeed that you can make yourself to help prevent or at least shorten the length of your illness. Check out the recipes here.

Displaying blog entries 1-10 of 141

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The Scott Zeller Team
Coldwell Banker Snow and Wall
1980 Old Fort Parkway
Murfreesboro TN 37129
Mobile: 615-479-4776
Business: 615-893-1130
Fax: 615-893-3246

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