Thursday, May 7, 2015

Need to raise your credit score? I can help.

 Thinking of buying a home or an automobile soon but your credit score is too low? Or would you just like to clean up your credit report? I can help.


It's all legal, no magic, just persistence, common sense and good credit management. I have a simple system that consists of a credit analysis by a mortgage lender, a letter writing campaign and a strategic credit management plan.
 First we challenge negative entries on credit reports with the bureau asking them to "verify" the account. After that we take the next step and send a certified letter to the debt collector doing the reporting and demand that the "validate" the account. I use the protections provided by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).
I write all the letters, address the envelopes and even fill out the USPS forms when necessary. All you do is sign them and put them in the mail. I have a series of form letters that I adapt to each person. 
I charge a very low, one time fee compared to the companies and law firms out there. And here is the best part: If you buy a house and use me as your realtor, I pay you the credit repair fee back at closing. 
  I started doing this to bring my own credit scores up so I could buy a house. Then I started helping my clients so I could sell them a home. Now I help all sorts of individuals for a variety of reasons. Email me if you want to hear more about my system.

Thursday, October 31, 2013

Just Make Soup

potato and leek soup
Potato and Leek Soup with tofu bacon and green onion
Soup has become my go to because you can put anything in it. Remember the old folk story about "Stone Soup" It's super simple to make and it's all about the things you like to eat.

Here's a basic method for making approximately 4 servings.
Decide on a vegetable or fruit, you can even use two or more complementary vegetables and fruit. You will need approximately 2 - 2 1/2 cups. If you are using 2 items you can split them equally or add more of one and less of the other. Here are some things that work well together:

Potatoes and Onions (or Leeks)
Tomatoes and Summer Squash
Apples and Sweet Potatoes
Pears and Parsnips

Butternut squash, tomato, cauliflower and carrots are great on their own.
Ahead of time, make your vegetable broth. Sometimes I'm good and make my own, sometimes I just use the organic, low sodium cubes. You will need two cups.

Saute your aromatics first. Aromatics include onion and garlic. Secondary aromatics are celery and carrots. You will need about 1/2 cup of onion and 1-2 cloves of garlic (depends of your love of garlic, mine is high!). One carrot or celery rib if you are adding those. Adding celery and carrot is best reserved for a single vegetable or fruit soup.
tomatoes and squash
Garden fresh tomatoes and summer squash
To saute, use 1/2 tablespoon of extra virgin olive oil and 1/2 tablespoon unsalted butter. The butter will allow you to saute at a higher heat point. If you are making a curried soup or using mild vegetables or fruit, coconut oil is best. You can also use a safflower or grape seed oil. You don't want the taste of the oil to dominate your main vegetables or fruit.

Consider how much onion flavor you want in your soup. Onions with pungent flavor will also fill your soup with that flavor. My scale for onion pungent flavor from high to low is:

White
Yellow
Red
Shallots
Green Onions
Leeks

There are also sweet onions but I don't use these in my soup. I prefer red, shallots and leeks for soup.
Here's a recipe for tomato and Summer squash soup.
Saute 1/2 cup of diced leeks in extra virgin olive oil and butter. Salt and pepper to taste. When leeks are translucent, add garlic and cook an additional minute until you smell the flavor of the garlic. Don't burn the garlic!

As soon as you smell the garlic flavor, add your broth and your vegetables, 1 1/2 cups diced tomatoes, 1/2 cup diced squash. Season with sea salt and fresh ground pepper. Add your herbs, 1/2 tablespoon of basil and parsley. Use 1/2 teaspoon if your herbs are dried.

If you use fresh herbs to spice your soup, always reserve some for the end.
Let your soup simmer for about 20 - 30 minutes partially covered. When the vegetables are soft, it's ready to puree. Add small portions to a blender or food processor. The steam builds up in the appliance and will blow the top off and soup will go everywhere. (Hot, painful mess)

Taste your soup for seasoning. You may need to add a little more salt and pepper.  Serve soup and toss in fresh herbs. You can also grate some Parmesan for your tomato and squash soup and add a little fresh basil.

Soup is easy. Experiment and have fun. You can always use a different broth, like chicken or beef and you can add meat to it if you like. I would used a precooked meat.

*Personal Note: If you are making a curried soup, I suggest using hearty vegetables and fruit. Apples, fall squash, cauliflower, carrots, sweet potatoes and potatoes work well. Use a high quality curry powder or Garam masala. Start with 1/2 tablespoon and add more if needed to suit your taste. You can find high quality curry powder and Garam masala in the bulk section of Central Market and other health conscious grocery stores.
butternut squash soup
Butternut Squash soup

Thursday, October 3, 2013

Just Cook!

I was a late bloomer when it came to cooking. I could put a meal together but it lacked creativity and I didn't know any techniques or flavor profiles. My abilities included boiling pasta and nuking pre-made pasta sauce and green beans. Voila, dinner. After my daughter was born, I decided that cooking was something I wanted to conquer.
Whole Foods Demonstration Kitchen

At that time, I didn't realize that I was on a different journey, one that made me creative, adaptable and rewarded me with self-confidence. Thank you Food Network for providing wonderful programs that broke down the steps to make a meal. You were my personal trainer and there was no one to judge me in my own kitchen while I experimented. I eventually weened myself from making Mario's,  Rachel's, an Emeril's meals and ventured out on my own.

My big take away from the Food Network was to build a pantry and I did. The other take way was to go to the grocery store and find ingredients that provoked my interest. I would come home and google recipes. I would then combine 2-3 recipes based on the other ingredients I had in my pantry and my family's tastes. More often then not, they were a hit.

I  took on making gravy, pan searing, sauteing, braising and even making bread from scratch.  I planned elaborate Thanksgiving meals. Timing was one of the hardest obstacles for me. The Thanksgiving meals beat me up the first couple of years. I learned I needed 2-3 days of advance planning and preparation to make it all come together. The prep work has now become one of my favorite parts of cooking. I find it strangely relaxing with added benefit of getting to smell garlic on my hands for a few hours.
Masala Meal and Spices

In this journey, I have gained the courage and confidence to go outside of my comfort zone and challenge myself in new ways. I've joined a CSA (Community Supported Agriculture). I get fresh produce each week that I have to figure out how to prepare. I don't know what it will be so my challenge is to make a meals that utilizes the fresh produce and make it sing the same song.

Cooking classes have been my other challenge. Fall Vegetarian was my first hands-on cooking class. Surprisingly I was one of the more seasoned cooks. I was familiar with all the techniques we were using. I knew NOT to put all of your hot soup in the blender with the lid on and blend it…(That's another hot messy blog)  When it came to making the béchamel for our ravioli, I had no fear. It was great experience and I highly recommend taking a hands-on or a demonstration cooking class. The pictures posted are from the 1st class I took. It was an Indian Garam Masala class with instructor, Chaya Rao.
Chaya Rao-Instructor

In my journey to conquer cooking, I've learned that cooking is not a battle. Yes, some dishes are winners, some dishes are losers. Ultimately, learning to cook is an investment of your time to discover the cook you were meant to be. The best part of cooking is that it builds on experience, the more you cook, the better you get at it.
Sorse Baingan - Eggplant w/ mustand sauce

Wednesday, September 25, 2013

Run for the Water

Phillip and I are preparing for Run for the Water. It's a run in which the proceeds benefit the Gazelle Foundation. For every entry, the Gazelle Foundation is able to provide water to an additional person in Burundi for life. I've personally experienced Gilbert Tuhabonye tell his story and I promise you there wasn't a dry eye in the room once he finished. He's a very humble person and truly wants to give back to his home and the people living there. You can learn more about the Gazelle Foundation and the projects they support. The race is Sunday, October 27. You can register here to run a 10 mile or 5K race and there is also a kid's K. If you can't participate in the race, please consider volunteering or donating to the cause. We hope to see you there!

Tuesday, March 19, 2013

I Love Austin

I admit I am tempted to cheat. When we show homes in Pflugerville, Round Rock and Cedar Park, I feel the need to have 2500+ square feet and a bathroom for each member of my family. The seduction of all that space and a kitchen that is 4 times the size of the one I have plus HUGE closets in every room, I could cheat. Dreams of the entertaining I could do and the meals I could make carry me away.

In my haze of huge home land, I realize we are in the car with heavy traffic sounding us. A wave washes over me, I can't see Austin. Panic sets in and I'm gripping the arm rest. The feeling I get once we come over the hill and I see Downtown has no words. My body starts to relax once we take the 45th street exit. Once we cross Lamar a strange sense of calm overtakes me, once across Guadalupe, there's no place like home, there's no place like home.

People like big homes and big yards. The seclusion of the burbs is their dream. There is nothing wrong with desiring a sense of calm and peacefulness after a long day at work. Free of noise, hundreds of people and crazy traffic is very alluring, especially sitting in front of your fireplace, over looking your very own backyard pool, built-in.

Not everyone enjoys the sounds of screaming sirens all times of the day and night, the chop, chop chop of helicopters overhead rushing a person to the hospital or searching for some criminal, much less the random live wailing of the punk band practicing next door. I personally can't imagine my life without it.

I have lived in Central Austin most of my adult life, I've seen the expansion of Mopac so far North that I didn't know that far North existed, the warehouse district become the high-rise district, the corner indie movie theater on Guadalupe turn to a $ theater, Tower Records, Intellectual Property, to a noodle house. Austin has grown, changed and expanded in ways I would have never envisioned. 

Ultimately what keeps me here are the things you can't get anywhere else. A swim in Shipe Park pool, a long run around Town Lake, snow cones at Casey's, super cheap tacos from the Tamale House, businesses that are owned by a person, not a corporation, and most importantly, the overwhelming sense of belonging.

Austin has seen me through the best of times and the worst of times, it's not just the town I live in, it's a true love affair with a beautiful city.

Thursday, January 3, 2013

Happy New Year! 2013 will be a Banner Year!

Happy New Year! I'm very excited about 2013. I passed my exam and I'm now a licensed salesperson in the great state of Texas. I look forward to helping friends, family and new acquaintances find a wonderful home and live the lifestyle they've always dreamed of. I've lived in Central Austin most of my life and I love sharing everything this wonderful city has to offer. My goal is to also inform the blogging community what it really takes to buy or sell a house. I will share my experiences and hopefully shed some light on the ins and outs of mortgages, financing, appraisals, inspectors, home warranties and everything in between.

Thursday, December 1, 2011

Open House 2128 Antone St. Austin, TX 78723 this Saturday 2-4 pm!

2128 Antone St. Austin, TX 78723

 Anyone out and about in central Austin Saturday please come by and say hello. I'll be hosting an open house in an energy efficient home located in the popular Mueller development.

Pond surrounded by a hike & bike trail!
It is a "green" development with 140 acres of parks, a pond, a hike and bike trail, sport courts, a pool and much more.




Modern kitchen!
This well appointed kitchen has many upgrades. It comes with Energy Star appliances: built in oven, cook top range with a vented exhaust fan, microwave oven, dishwasher and disposal. It also has a walk-in pantry, 42" cabinets, and granite counters.






Open floor plan!
The breakfast bar opens into the family room. To see the rest of the house check out the virtual tour!








 This is the only 3 bedroom home with a private yard under 380K in the neighborhood. There is even going to be a Town Center coming in 2012 and a new "urban" HEB coming in 2013!

 Remember, 2-4pm Saturday, December 3rd.
I hope to see you there!

Thursday, November 10, 2011

You can now get a HUD home for as little as $100 Down!

The U.S. Department of Housing and Urban Development (HUD) is now offering its foreclosed homes for a  $100 down. This special opportunity lasts until October 2012.

There are also a few other caveats:
Sorry investors, this deal is not for you!

Now for sure you will have to pay closing costs, and of course you must be qualified for a mortgage and lastly the homes will be in "as-is" condition.

However, on some homes, HUD will cover up to 3% of the closing costs. And you can even use the $100 dollar down payment program in conjunction with an FHA 203K Loan. This allows you to use a portion of the loan for repairs and/or renovations.

This opportunity isn't for everyone. The "as-is" condition of some HUD homes can be daunting. But if you are the type that wants to get a great deal and earn sweat equity, this could be a perfect opportunity for you!

Call or email me if you would like to talk about this or any other real estate questions or concerns.
Happy house hunting!

Phillip Baird
512-289-5738
phillip@centralaustinhomesforsale.com
http://www.centralaustinhomesforsale.com/

Friday, September 16, 2011

Honey we're home! 1668 Dustin Cade Dr. New Braunfels, TX 78130

 1668 Dustin Cade Dr. New Braunfels, TX 78130
This gorgeous, well maintained home is ready for you and your family to move in! It is freshly painted and has brand new carpet and faux wood vinyl flooring. It is located near schools, in a wonderful, quiet neighborhood. There is a covered back patio with a ceiling fan already installed. The back yard has a huge old shady oak tree and is privacy fenced. This home is 1709 sq. ft. with 3 bedrooms, 2 baths and a 2 car garage. And to top if all off, it has great curb appeal. Welcome Home!

Great curb appeal!
Open kitchen/family room floor plan!









Open floor plan!
Brand new carpet!









Large family room!

         
built in cabinets!









   Private, covered back patio!
Brand new faux wood floors!

Thursday, September 15, 2011

FHA Approved Short Sale! 1108 Tuffit Ave. Austin, TX 78753

1108 Tuffit Ave. Austin, TX 78753
APPROVED FHA SHORT SALE. AT $87500, YOU WILL NOT FIND A BETTER PRICED HOME IN THE COPPERFIELD NEIGHBORHOOD! The negotiations are over, the price is set and it is going for 13K below tax appraisal value! This wonderful 1138 sq. ft. house has great curb appeal and lots of updates. It has tile, carpet  and laminate flooring. Cozy up to an inviting fireplace or relax under the covered patio. The privacy fenced back yard has a huge shade tree as well. It was built in 1984 and has 3 bedrooms, two baths and a two car garage. Come visit your new home or your new investment property today
Backyard View

Front View

Vaulted Ceiling
Living Room

Wednesday, January 12, 2011

The open house saga continues: They really do work!

From time to time I have conversations with fellow realtors about the value of hosting open houses. I am amazed at the large percentage who proclaim "they never work". Or "I've never picked up a new client from an open house". To be honest with you, until last year I felt the same way. I wasn't sure if they really worked because they had never worked for me.

Let me tell you. They really do work! I won't go into the history of it all (see my earlier blogs on the subject) but I began holding open houses again last summer. It finally paid off. I just closed a 335K sale last month, to a couple I met at an open house. I met them at my very first open house as a Keller Williams agent. It was held during the "paint the town red" day. It wasn't a quick score. In fact it took almost 5 months to find them the right house. But we did.

They have since referred me to their friends, who are looking in the same price range. I have a buyer's rep with them and expect to sell them a house in the next month or so.

I also have a buyer's rep with another couple that I met at an open house in October. We have put in an offer on a home and I expect to sell them this house, or another house soon.

In addition to the "clients" I'm working with currently, I have many other "leads" and potential clients in my datatbase from the open  houses I've done over the last 6 months. I fully expect to sell several of them houses this spring.

Although I took a break during the holiday season, I'm back on track with an open house scheduled next Saturday. Open houses really do work!

Friday, October 22, 2010

If you're doing BPOs, please don't inflate the value...

Why is it that some real estate agents inflate values when they are doing BPOs? Are they trying to steal the listing?

I have some clients right now who are trying to buy a short sale house. We looked at the sold and listed comps and made a very reasonable offer. The bank countered back with a higher square foot price than any house sold in the neighborhood for an entire year. Why you might ask? And I did. The listing agent told me that the bank ordered a BPO from some random real estate agent and it came in high. How, I asked? Did they not see the same comps as me? To top it off, the listing agent even told me that he gave them a BPO that was more down to earth. But the bank decided to go with the higher value.

It's been on the market as a short sale for 75+ days and will eventually foreclose. What is the point! Why even pretend to attempt to sell it short if it's never going to happen. Even if it did it would have to be a cash deal because it would never appraise. As you can tell, this is extremely frustrating for me. I will find my clients another house, but they really liked this one.

Oh well, thanks for allowing me to vent. The moral of the story: if you do BPOs, please don't inflate the value, it doesn't help anyone. And if you're doing it to steal the listing, SHAME ON YOU!

Thursday, September 9, 2010

more open house saga.....

I've held two more open houses since my last blog with great success. Of course, it all depends upon how you define success. No my open house efforts have not yielded a contract, yet. Nor have they led to a listing, yet. I have however added 3 potential buyer couples to my met database. One of them might even turn into a listing and a purchase. Only time will tell.

During both open houses I took some good advice and did about an hour or so of prospecting. I also spent some quality time reading both real estate and non-real estate during the lull. But most importantly I sharpened my people skills. I had the perfect test group. The folks that visited were a relatively captive audience; they came to my open house and genuinely wanted to see the house. So I faced my fears and just jumped in the water. Last Sunday I was greatly rewarded by the last couple of the day. I felt like I was on my A game. We connected. We talked about houses, kids, jobs, beer, bbq and many other common interests. Turns out they are going to sell a 200K property and buy a 300K property, if the expected job promotion goes through. And to top it off, they didn't have a realtor and seem likely to use me. Woo hoo! Maybe.

But the best part is that I now feel completely comfortable holding open houses. I have no trouble greeting people at the door, introducing myself and asking them to sign the register; all within the first minute of their arrival. I've learned the process that works best for me. I let them wander and discover things on their own, but follow just close enough behind so that I can answer any questions that might arise. I've learned to ask questions about them, their family and their situation, and to listen closely. I basically learned to build a rapport before I ask them if I can be of assistance. Finally I've learned to follow up the next day with something of value such as an offer to do a home evaluation, email them some listings that match their criteria or just offer to answer any questions they might have.

I now look forward to my Sunday open houses and get excited when people walk through the door. I have conquered my open house phobia. No, I haven't closed any deals yet that originated from holding a house open. But I will. I believe this.

Monday, August 16, 2010

the open house saga continues......

I held another open house Sunday. This time it went well, although I made several mistakes that I won't make again.

I held open a great house, almost 3800 square feet, out in the hills North West of Austin, although it still has an Austin address. The house was built in 1993 but was recently updated with new flooring, granite counters and fresh paint throughout. It sits in the perfect cul-du-sac, almost 1/2 acre lot in a beautiful hillside community. The back yard is xeriscaped to perfection with a sport court installed directly behind the house. The schools are also highly rated. It is priced at least $10-15 per square foot below the market and has the best lot, landscaping and location at this price point, in this zip code.

It went well. 4 couples and one lone individual visited. 2 of the couples were interested for themselves and the other 2 were looking for friends who wanted to move into this neighborhood. The individual was also looking for himself and had relatives that at one point had lived in the house next door, so he was familiar with the house, at least from the outside. One of the couples looking for friends, coincidentally, currently lived in the same house next door.

I sold myself to them as a buyer's agent, not affiliated with the owner and explained to them just how I could help them. None of them were currently represented so I have a decent shot at getting buyer clients out of the experience.

So, what were my mistakes you ask? First off, my printer chose Sunday morning, of all times, to die. I had no flyers of my own, with my contact info on them. I was forced to use the listing agent's flyers. Secondly, I had not ordered my new Keller Williams cards yet, so I was forced to give them my card from my old company, which is not very impressive. It does however have my correct contact info. Thirdly, according to the listing agent, I did not put out enough directional signs. I had four signs with balloons covering the entire entryway to the neighborhood. So that mistake is debatable. And lastly, the most egregious mistake I made was that I did not convince all of them to sign the registry and give me good contact information. One of the four couples signed in, one declined and wanted my card instead, and the other two couples and one individual left abruptly. My registry was in the kitchen, not by the front door. I neglected to ask them to sign in upon entering the house. I did give them all one of my old cards.

Overall it was a great experience and I have hope. I got along well with them all and my pitch for myself and my representation is getting better with each open house. Maybe some of them will call, and I will definitely contact the one couple who signed in. If nothing else it was a learning experience. I am getting better at my craft. As always please feel free to add your comments and criticisms.
Phillip

Friday, July 2, 2010

4th of July Concert and Fireworks at Auditorium Shores at The Long Center in Austin

Over 100,000 people will gather at Auditorium Shores at The Long Center Saturday evening for Austin's annual 4th of July Concert and Fireworks display. It is the largest Independence Day celebration in the Austin area. The Austin Symphony Orchestra will perform patriotic music beginning at 8:30 p.m. including 1812 Overture, which is punctuated by 75-millimeter Howitzer cannons provided by the Texas National Guard. The fireworks begin exploding over Lady Bird Lake at 9:30 p.m. and last until 10 p.m. Be sure to get there early and claim a good spot. Bring a blanket and a picnic or partake in the concessions that are available at the park. Don't forget the bug spray! Hope to see you there....

Friday, June 25, 2010

Saturday June 26th is the 8th Annual Keep Austin Weird Fest and 5K

Once again it's that time of year. Summer is here and it is time for the annual Keep Austin Weird Fest and 5K run. The festival is a celebration of everything that makes Austin unique. The bands include The Bright Light Social Hour, White Ghost Shivers, Bruce James Soultet, Dustin Welch and for the kids The Paul Green School of Rock. Local vendors will be on hand. There will be lots of food, plenty of beer and of course all the crazies that make Austin weird. It is definitely the people watching event of the year. It begins at 2pm and the race is at 7pm. The 5K is dubbed "the slowest 5K you'll ever run". The Keep Austin Weird Fest is one of the many reasons I love Austin Texas. Do yourself a favor and come be a part of the scene. See you there.....

Check out the website for more information: http://www.keepaustinweirdfest.com/

Thursday, June 17, 2010

Is there a solution for those who love Apple products but are stuck using a PC due to Windows exclusive software?

For those in the Real Estate profession, or any other profession for that matter, who love Apple products, but are forced to use a PC because of applications that run exclusively on Windows, there is a possible a solution. The particular solution for you depends upon whether you use a traditional Apple Macintosh computer such as an imac or a Macbook Pro running OSX, or you use an ipad.

If you have a standard Mac with OS X you can purchase a program called "Parallels Desktop".
http://www.parallels.com/products/desktop/

It allows you to install a “virtual machine” running Windows, directly on your Mac. The great benefit of this program is that you can run both Windows OS and Mac OS side by side without having to reboot and choose between the two. You can drag and drop files and also share folders. You can even run it in "coherence" mode which runs Windows applications like they were native. When you switch to “coherence” mode the Windows desktop disappears, leaving Windows applications running on the Mac desktop and appearing on the dock. However I have tried it and it can get confusing, and I personally just didn’t like it.

If you have an ipad, there is a different solution. You can purchase an ipad app called Citrix Receiver.
http://www.citrix.com/English/ps2/products/subfeature.asp?contentID=2300386

It allows you to run windows 7 on your ipad. Granted you don't install Windows 7 locally. You install Receiver on your ipad and it runs Windows 7 as a "thin client" connected to a server.

Unfortunately the ipad is probably not yet going to be a viable tool for most people that need Windows exclusive software. To use it your company must be running the Citrix Xendesktop software on the server side. And Xendesktop can be a bit pricey. Hopefully in the near future someone will offer a commercial server you can log into individually for a reasonable price.

However, for those Mac users who use traditional laptops and desktops but need Windows exclusive software, a Mac running Parallels is a great solution.


Phillip Baird
Realtor
Austin Real Estate Shop
512-289-5738
phillip@austinrealestateshop.com
www.austinrealestateshop.com