This holiday season, meld your business mind and heart into one: Give Your Way to Greatness.

What do all of the most successful people have in common? They’re givers! Here are some things you can freely do for others to help give your way to greatness.

Energy: Adopt a positive mindset and attitude, and communicate that to others. You’ll inspire them to do the same!

Time: Find what you value, and prioritize your day around that. Be present, and focus on the current conversation instead of thinking into the future.

Smile: Even if your day hasn’t been great, giving a genuine smile to those you meet can bring happiness to others!

Compliments: There’s nothing like an authentic compliment! When you compliment someone, tell them why you like that particular thing and ask a question about it to show your interest.

I’m thankful for you! If there is anything I can do to better  serve your family during the holiday season, give me a call.

Giving is powerful! When you give to others, research shows you are more likely to reduce your stress levels, improve your mood, and boost your social connections.

Giving is Good for You!

Studies show people are happier when they spend money on a gift for others instead of one for themselves. When you give to others, your brain responds as though you were the one who received the gift! The endorphins you feel can be compared to a runner’s high or chowing down on your favorite food. Positive feelings associated with giving stick around for about two hours. Not only will you want to give more, but the person who receives your gift is also inspired to give.

Easy Ways to Give

The following apps make it easy to support your favorite charity or cause:

  • Coin Up: Rounds up your credit/debit purchases and donates the extra change to a cause of your choice.
  • Charity Miles: Together with corporate partners, donates a small amount of money for each mile you run, walk, or bike.
  • GiveTide: Allows you to automate your donations to charity.

Make it a Match

Got a favorite cause? Determine how much you can give, divide that amount in half and let your friends know you’ll match all donations up to that amount. Post on social media explaining why you’re raising the money and how your friends can help.

Volunteer

Pick your passion, match it to your skills, and make it part of the routine! For example, if you’re into animals and photography, help the local animal shelter with their advertising. People who volunteer often experience improvements in their mental health and more satisfaction with their lives.

© 2020 Buffini & Company. All Rights Reserved. 

 

2020 has been a year, hasn’t it?

I’m so grateful for all of the good things that have come out of 2020 – more time with my son, deeper relationships with those who are close to me, and the ability to serve my clients with intention and purpose.

For all of those things, I am deeply thankful.

And I am moved to reach out into this wonderful community of ours to ask you to please contribute to my online fundraiser for the Carson Valley Community Food Closet.colorful ad asking for donations for the Carson Valley Food Closet

Every little bit helps this worthy organization. Last year alone, the Food Closet provided Douglas County residents over a quarter of a million meals, with your financial help and food donations totaling more than 635,000 pounds of food!

If you’d like to donate money, please click on the donate button below. If you want to drop off non-perishable food items, please email me at gingereasley@gmail.com and I’ll provide a drop-off address. I will hand-deliver your donations to the Share Your Christmas Drive-By Food Drive sponsored by KTVN Channel 2.

 

Thank you all for your kindness, your friendship, and of course, your business by referral. I am truly blessed!

Ginger



Thinking of renovating? Or maybe you’re getting ready to stage your home for sale? Before you bring out the hammer or start buying new items, check out these innovative apps to help with planning and design phases.

Start Your Planning

These apps help you design from the palm of your hand!

  • Magicplan: Recreates your room and furniture to scale before moving anything around.
  • Home Design 3D Outdoor/Garden: Design your perfect patio by creating a 3D scale model. Add furniture and with easy drag-and-drop features.
  • DecorMatters: Choose from a wide selection of furniture, art and lighting from your favorite stores in augmented reality (iOS only).
  • Pantone Studio: Using augmented reality, identify color palettes from your saved images to create a color swatch (iOS only).

Find Inspiration

Check out these websites to gather inspiration for your project.

  • Pinterest: Save the images you like to a board to keep all of your ideas in one spot.
  • Houzz: Create “ideabooks” for your projects to share with professionals.
  • Apartment Therapy: A design blog with the latest design trends

Your Mobile Toolkit

  • Compass App: Determine where light hits during the day.
  • IHandyLevel: Transform your phone into a level for hanging wall items.
  • Photo Measures: Take a picture of your space and get the measurements right away.

Ready to Start?

You don’t have to tackle your project alone! I can connect you with an excellent contractor who can make your renovation dreams a reality in a healthy and safe manner. Contact me today to find out more.

 

House model with agent and customer discussing for contract to buy, get insurance or loan real estate or property.

Is now the right time to sell your home? Thanks to the pandemic, we are facing uncertainty in many facets of life. You may be wondering if now is a good time to sell your home. The answer, right now, is YES!

Understandably, home sales were down earlier in the year. However, in May 2020, home sales shot up 44.3%- the highest month-over-month jump since 2001. Now is the perfect time to sell or buy a home (with record-low interest rates). Perhaps you’re still a little hesitant and that’s completely okay. Let’s navigate through some common misconceptions in real estate during 2020 and take a look at what’s really happening.

  1. MYTH: It is a difficult time to sell a home

“… the general sentiment [among some home owners] is that now is not a good time to sell your home,” said Danielle Hale, chief economist at realtor.com. “Yet, so far, the data suggests the opposite-that buyers outnumber sellers in the housing market, which means it’s better to be a seller than a buyer.” Buyers outnumber sellers which lead to more offers for each listing. And it shows the housing market is hot.

  1. MYTH: Home prices are dropping

Per the National Association of Realtors (NAR), home prices are actually rising. The national median price for single-family homes grew 7.7% during the first quarter of 2020, to $274,600. Why is this happening? Record-low mortgage rates are bringing buyers out of the woodworks. Increasing home prices combined with low mortgage rates are creating a fantastic atmosphere for selling a home.

  1. MYTH: We should wait for a market comeback

According to ShowingTime, which measures showing traffic per residential property for sale by agents and brokers, showings in the United States are up dramatically from earlier in the year. The data shows an outstanding 60.7% increase since July 2019. And homebuyer traffic across the nation continues to grow. The myth that now is a terrible time to buy or sell a home is a misconception across the United States. We can’t be sure how much the market will continue to go up from here, or if and when it might cool off. If you’re looking to sell, now is the time.

For my local clients, I am available to help you buy or sell your home in Northern Nevada, including the Tahoe area. I’m also privileged to be a part of the greatest referral network in the country, so if you are moving into or out of the area I can connect you with someone I know and trust for your real estate needs. Contact me by phone at 775-309-7979 or by email at gingereasley@gmail.com to take advantage of the expanding real estate market today.

When people ask me why I love what I do, I always smile. Being your real estate agent means I get to help you through some of the most exciting decisions of your life. It gives me immense pleasure when I see you walk into a house and I can see that sure feeling of “I’m Home” spreading across your face.

But it’s more than just making you happy as you’re buying or selling. I care deeply about learning the stories behind each and every one of my clients. Knowing why you are making the choice to buy or to sell, and really getting to know you on a more personal level, allows me not only to guide you through a large financial decision, but allows me to guide you through the emotional aspects of the process as well.

When I truly know the whole story behind a person, like I got to do with Teresa whose testimonial I will share next, I am able to take the reins in a way many agents never get deep enough to do. If all I knew about Teresa was that she was selling the home of a family member, I would not have been able to deliver the level of attention and care that she needed. As she mentioned in this sweet note to me, getting to know her and becoming a part of her life allowed me to serve her with the support she really needed during a trying time.

Teresa was a recent client of mine who needed help prepping and selling her late mother’s home. After a quick and smooth sale, she sent me this note: “I want to thank you for the smoothest and most efficient house sale I have ever had, and I mean that sincerely. Communication was superb, and any questions or concerns were addressed quickly, which was truly appreciated. Your support staff and other personnel you used to help with various issues—from the initial photography to handyman services to last minute housecleaning, and so on, were also great, as were your contacts at the title company. You clearly had a great working relationship with all of these people, and I’m sure that contributed to such a hassle-free transaction.

“Past experiences with buying and selling have been less than smooth, and I honestly felt throughout this process that I was in capable hands and, ‘Ginger would take care of . . .’ anything that came up. Which you did! And it was doubly important to me because I was suffering emotionally from the loss of my mother and having to sell her home. So, my sincere thanks for everything! I will happily recommend you wholeheartedly should I hear of anyone else looking to buy or sell real estate in your area.”

Life is not always a straight path, and the decision to buy or sell doesn’t always come simply. There will be numerous gifts along the way and obstacles to overcome and that can drive your decision, whether it be downsizing, upsizing, losing a family member, or gaining one. I fully believe that navigating these twists and turns in life requires a helpful hand along the way. That’s why treating you with care and diligence is my highest priority. Selling a home is no easy task, which is why I strive to create and maintain relationships with the most qualified people in the area to help me do what I do.

Thank you for such kind words, Teresa. It was a privilege to help you along this complex journey. Going through the loss of any family member is a task one should never face alone. I encourage all of my clients to use me as a resource. I will be there to learn and understand your story throughout the process, so that I can serve you with the exact level of support you need (and then some).

 

Step one
What Plants Work in Your Region?

Stroll around the neighborhood to get an idea for what plants work in your region.

step two
Pick the Plants That Work for You

Factor in how much work you’re willing to do, since some plants require more maintenance than others.

Roses, jasmine, honeysuckle or fresh herbs can provide a fresh, floral scent in your yard. Fruit trees can be fun to harvest and stay with the property, increasing its value. Try lemon and orange trees in warmer climates and plum, pear or apple trees further north.

Step three
Choose Your Planters

Make them pop, but keep them within the style of your home.

step four
Hang Up a Hummingbird Feeder

to create a colorful, more vibrant garden. These birds spread pollen to help your flowers grow more easily.

Step five
Maintenance Is Key!

Take some time each weekend to water the plants, remove any weeds and keep the yard space beautiful!

 

Building credit can be difficult to master. Understanding your credit report can be even harder.

What is considered in a credit score, anyway? Well, between FICO and VantageScore, there is no single way to calculate your credit score. These top models are similar but scored slightly differently.

FICO is the most common credit ranking for users.  This model has a range from 300 to 850 and is categorized into five major sections:

  • Payment History (35%): Why does this category determine so much of your credit score? According to Barry Paperno, a credit scoring expert, “FICO’s research has shown that a person’s payment track record tends to be the strongest predictor of the likelihood that the individual will pay all debts as agreed in the future.” In other words, borrowers with a history of paying on time tend to have solid credit scores.
  • Credit Utilization (30%): Experian, a major credit reporting company in the U.S., recommends borrowers keep their total credit utilization rate below 30%. Your credit balance should be far below your total limit. This shows credit scorers you’re underspending and properly managing your credit responsibilities.
  • Length of Credit History (15%): This section is simply the amount of time each of your credit accounts have been open. A longer history of accruing credit is a better indicator of your financial behavior.
  • Credit Mix (10%): Per MyFico.com, Credit Mix is simply a culmination of the different types of credit you have. Meaning, FICO considers different accounts (credit cards, auto loans, student loans) and assesses how you handled them.
  • New credit and recently opened accounts (10%): Simply put, don’t open a lot of new credit accounts over a short period of time. This will negatively impact your FICO score.

The VantageScore 3.0 model varies just a bit from FICO. Developed by the major credit reporting bureaus, this model is used by a lot of free credit report sites. Payment history (41%) and credit utilization (20%) are also categories considered in this model. Yet, there are other factors to consider using this credit ranking.

  • Duration and Type of Credit (20%): Lenders prefer to see long-term and established lines of credit. Having different types of credit (credit cards, auto loans, etc.) is also considered in this section. This category is similar to FICO’s Credit Mix.
  • Recent Behavior (11%): This section is similar to FICO’s new credit section. Scorers consider new credit accounts like personal loans or credit cards.
  • Total Balances (6%): Per CreditKarma, this category refers to the total amount of recently reported balances on your credit accounts.
  • Available credit (2%): Try to only take out credit that you need. This will help boost your overall credit score.

As your personal real estate agent, I’m always here to help. If you have any further questions about how lenders view your credit score, feel free to reach out to me at 775-309-7979.

My mentor, Brian Buffini, has a favorite quote from Coach John Wooden: “When opportunity comes, it’s too late to prepare.”

Racecars on a trackBrian likens opportunity to NASCAR. Here’s what he says: “We’re using the analogy of the rolling start from NASCAR. When they have the car wreck everything comes to a screeching halt. They clean up the road, they get everything organized, then they put the pace car out in front and bit by bit warm up the tires, warm up the engine, get the engine revving. Go around the track a couple of times, and then when pace car pulls away, you’re going full speed.”

As interest rates remain low and the economy begins its recovery, we are in that rolling start, and it’s time to rev the engines.

Opportunity is, if not here already, it’s coming. Don’t be too late to prepare. Here’s how you can get ready to sell your house and find your dream home.

  1. Get a pre-approval letter from your lender. Pre-approval shows you are serious about finding your new home. It lets sellers know you are conditionally able to purchase a house, and may help you with your offer. It also narrows your field to what you can afford to look at and may speed up the purchase process.
  2. Get your current house on the market: Especially if you are doing a contingency offer. The market is great, but it’s tight, so you’ll need to be able to move quickly.
  3. Find an experienced REALTOR®: An experienced REALTOR® will know which neighborhoods are trending up or down, and help you get the best possible price on the property you want.
  4. Identify your prospective new home: Check the listings in your price range, make a list and drive by the homes you are interested in. This will help you select your new neighborhood and save you time while touring properties.
  5. Be selective: only look at properties you’ve selected during your drive-bys. As we ramp our economy back up, sellers may be nervous about letting people view their homes. Make sure you’re only looking at properties you’ve pre-selected.

Maybe your house is too big now that the kids have moved on, or maybe you want to live near your grandchildren. Whatever the reason, now’s the time.

Prices are not falling, mortgage interest rates are low, and inventory is moving quickly. If you have been thinking about selling your house and looking for your new dream home, give me a call at 775-309-7979.

And if you are a homeowner, you should definitely listen to Brian’s latest chat with National Association of REALTORS® Chief Economist Dr. Lawrence Yun.  Topics discussed include why home prices are remaining steady, how agents are navigating the process and completing transactions, why real estate provides a hedge against inflation, and why the house is still a valuable asset in high demand.