Realty Vision


Posted by Realty Vision on 1/18/2018

Your thirties are a time of many important financial decisions. Many people are starting families, buying homes, and getting settled into their careers by the time they turn thirty. The following ten years are often marked by salary increases, moving into larger homes, and saving for retirement.

It’s vital to have a solid grasp on personal finance in your thirties, as it is in many ways the foundation of your finances for the decades to come. So, in this article we’re going to give you some advice on buying a home and managing your money in your thirties.

Straighten out your credit

If your twenties were a volatile time of incurring debts from student loans, car loans, and other expenses, then it’s paramount to get your credit in order in your early thirties. Having a high credit score can secure you lower interest rates on a home loan or let you refinance your loans at lower rates.

Start by making sure your bills are on auto-pay, and be sure to settle any older debts from your younger years. You can also use a credit card for recurring expenses, such as gas to get to work or groceries, and then pay them off in full each month. This way, you’ll build credit and avoid accruing  interest at the same time.

Reevaluate your lifestyle and long term goals

A lot can change from the time you turn 25 to the time you turn 35. Your goals might shift from finding a home near the ocean to finding a home near a good school district for your children. You might also have the shocking realization that your children will be heading to college sooner than it might seem, and that you’re still working on paying off your own student debt.

Consider things like the size house you’ll need for your family, where you want to live and whether that involves being close to aging parents, and reallocating money depending on your retirement goals.

Rethink your insurance coverage

Gone are the days when all you needed was a car insurance policy to get by. As you age and your responsibilities grow, you’ll need to think about the future for you and your family. That may include a more comprehensive health insurance plan for your family, a life insurance policy for yourself, or increased covered for home and auto insurance.

Automate the headaches away

With all of these growing responsibilities, it can be easy to get frustrated with the time you’re losing to keeping your finance in order. Fortunately, there are many tools at your disposal in the internet age that will make all of those responsibilities an afterthought.

First, get a budget planning app, like Mint or You Need a Budget (YNAB). Next, set up your bills to auto-pay if you haven’t yet. Then, put reminders in your phone to periodically check your credit score and reassess whether you need to pay for certain monthly services (do you still watch Hulu?). Finally, if you haven’t yet, make sure you have your paychecks direct deposited into the accounts you’d like them to enter so you don’t have to worry about them.




Categories: Uncategorized  


Posted by Realty Vision on 1/11/2018

If you've recently put your home on the market -- or are considering doing so in the near future -- home staging is a priority which will soon take front and center!

Since "presentation is everything" when trying to catch the interest of prospective buyers, it's crucial to be able to see things through their eyes.

Unfortunately, being able to accomplish that objective is next to impossible because, as a homeowner, you're looking at your home and property through a completely different lens than the rest of the world. The longer you've lived in your home, the more your objectivity is compromised.

Here are a few reasons why it's really difficult to "see the forest for the trees" when it comes to home staging:

First of all, there's the emotional aspect of owning a home and seeing your life unfold there over a period of years. That's especially true for first-time homeowners, parents of growing children, and people who have sunk a lot of money, time, and energy into improvements and customization. Once you've added personal touches to your home to reflect your own tastes, personality, and lifestyle, you're viewing your home through a unique perspective that may cloud your objectivity as a home seller.

Solution: Think Like a Business Owner

For the same reason business owners and executives hire outside consultants to tell them how to improve management efficiency or profitability, home sellers often need professional marketing guidance from a real estate agent or home staging consultant. Getting input from home decorators, landscapers, or home improvement contractors may also provide you with helpful ideas, but their recommendations may not always be the most economical and cost effective.

When staging your home to enhance eye appeal and attract the most potential buyers, a good guiding principle to keep in mind is ROI or "return on investment." While you don't want to sink more money into sprucing up and staging your home than necessary, you do want to cast it in its best possible light. Depending on how recently your home has been updated or improved, your investment in home staging may be relatively inexpensive. On the other hand, if you haven't updated, repaired, or made improvements for more years than you care to remember, the cost of making your home irresistible to buyers may be a lot higher!

One More Scenario

If your tastes could be described as eclectic, "off the wall", or otherwise out of the mainstream, you might need to consider a major overall in the look and feel of your property. Unless you're lucky enough to have it be a "sellers' market" at the time you're putting your house up for sale, it's generally advisable to make your home appealing to as wide a range of potential buyers as possible. An experienced real estate professional is usually in the best position to provide the guidance you need to accomplish that key objective.





Posted by Realty Vision on 1/9/2018


464 High Street, Clinton, MA 01510

Commercial

$389,000
Price

2
Buildings
Commercial
Type of Comm.
14,695.00
Lot Size
Great location! Great building! Great opportunity! Ideal location for any organization looking for office, industrial and/or warehouse space. Numerous uses for large commercial property located near downtown Clinton,MA. Main building and warehouse has a total of eight offices, conference rooms, and ample storage in large warehouse suitable for any business looking to flourish in the Central, MA area. Property includes multiple parking spaces and large garage/warehouse space. Property has vehicle access from both High Street and West Street. Perfect for any tradesman looking for an ideal location to grow their business.
Open House
No scheduled Open Houses






Tags: Clinton   Real Estate   01510   Commercial  
Categories: New Homes  


Posted by Realty Vision on 1/7/2018


9-11 Union Street, Clinton, MA 01510

Multi-Family

$284,000
Price

2
Units
3,450
Approx. GLA
Motivated Seller!!! Great investment opportunity or an owner-occupied that could help you with your mortgage. Large duplex with lots of updates. Recent heating systems and hot water heaters, replacement windows, and updated kitchens and baths. Laundry hook-ups on both sides. Plenty of off-street parking and fenced in lot. One unit is vacant and completely remodeled. Large sun-filled rooms with plenty of closet space. Don't miss this one!!
Open House
No scheduled Open Houses

Similar Properties





Categories: Price Change  


Posted by Realty Vision on 1/4/2018

When you hire a realtor to be your buyer’s agent, you want to make the most of the resource that you have. If you learn a bit more about realtors, it can help you to work with your agent in tandem to get the best deal on the property that’s right for you. Below, you’ll find some tips to help you navigate working with your realtor and make the whole process quite smooth. 


Be Punctual


You should keep your appointments and be on time when meeting with a realtor. While he works for you, you shouldn’t assume that you’re the only client he has. Yes, you’re important to him, but understand that your realtor is very busy and his time should be respected. If you’re running late or need to reschedule an appointment, always make the effort to call your agent to let him know what’s going on.


Let Your Agent Do The Work


While there are plenty of things that you can do to help your agent through the process of helping you buy a home, you should let him do his job. This means that you should never call a listing agent if you have signed on with a buyer’s agent for yourself. Understand that a buyer’s agent could also get passed on commission if the listing agent believes that you are under a dual agency agreement and do not mention your buyer’s agent. It’s important that all contacts are done through your agent. That’s what they are there for! 


It’s also important to note that you should try and avoid going to property showings and open houses without your agent. If you do need to go to an open house on your own, you should let your agent know so he can make the proper arrangements ahead of time. You should expect to sign an agreement with your agent once you decide to hire him as your buyer’s agent. 


Let Your Agent Know What You’re Looking For 


It’s important that you’re honest and upfront with your buyer’s agent. Buying a home is no small task and your agent is your advocate throughout the process. Your realtor will have a basic understanding of your finances, what you’re looking for in a home, and will even know a bit about your family structure. 


So that your agent can best help you to find the home that’s right for you, don’t try and sugarcoat anything. If you see a house you’re not fond of, say so. If a home seems out of your budget, you need to discuss it. The easiest way to find the property to fit your needs is to relay your desires and circumstances to your realtor.        


 




Categories: Uncategorized  




Tags
UA-114248240-1