THANKSGIVING 2018

Happy Thanksgiving to everyone.

Chocolate Chip Cookies

If you get a chance check out my Thanksgiving 2018 video on Youtube.  In this video I taste test Hershey’s candy cane chocolate bar.  It was yummy, white chocolate with bits of cane cane.  Could this be your newest Thanksgiving tradition?

Speaking of traditions if you are looking to sell you home and you are going into the holiday season you are probably thinking “UH OH WHAT HAVE WE DONE!”

My professional opinion on this is….Celebrate YOUR Holiday, with a few small adjustments.

Lets start outside and work our way in.  Lights, lights, and more lights, if you Clark Griswold your home you definately need to take it down a notch this year.  Lights are good and very festive, but lets make sure that it doesn’t look like we are trying to hurt or burn down a perfectly good home.  Wreath on the front door, garland on the  mailbox, and columns, even a blow up santa all very festive.  As we move inside it comes down to “staging a home for sale 101.”  Nothing smaller than your fist, three items per counter top, and minimal furniture.  So if your holiday decorations don’t fall in line with these rules…this year you need to be celerating a little bit differently.  Tree, yes, fake or real…your choice.  Keep in mind you may need to remove furniture in order for the tree to fit this year, we still want good solid walkways for our potential buyers.  Remember to keep to the rule of a depersonalized home.  This means no photo holiday cards, ornaments or other holiday decorations with photos or names.  Last but not least if you have any holiday joke decorations this is not the year to display them.  Inside jokes only confuse buyer(s).  The buyer(s) will leave your home trying to figure out what that decoration has to do with Christmas instead of thinking about how they can make your home THEIR home.

Don’t forget to set up a showing block with the showing service.  Some buyer(s) may not celebrate the same holidays you do or they maybe they are more focused on buying a house and relocating than celebrating the season.

Selling a home is LIFE ABNORMAL so during the holiday season keep to YOUR traditision, with a few minor adjustments

 

 

Happy Thanksgiving and….

Live LIfe to the Fullest,

Scott

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October Not So Pink in 2018

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It’s still October and that means it is Breast Cancer Awareness month.  I don’t normally have a quote for this month but I thought that maybe this month needs a little something extra this year.

“I have heard there are troubles of more than one kind.  Some come from ahead  and some come from behind.  But I’ve bought a BIG BAT.  I’m all ready you see.  Now my troubles are going to have troubles with me.”  –Dr. Seuss

This year I am extremely disappointed in the retail stores located in am around The Woodlands area.  I embarked on a pilgramage to find myself a new pink polo style shirt for Breast Cancer Awareness month.  You guessed it No one, pinked out this year.  None of the big box stores, none of the mid level stores, non of the sporting goods stores… no one.  It seems their was a reverse in direction and that pink was no longer the color for October.  Breast Cancer STILL needs awareness so maybe you’ll join me next October and wear your own pink polo shirt or lapel pin.  You have 11 months to shop.  I know in the mens department I might have to keep my search going all year long.  Here are the top 2 on my list:

 1) Pink Polo Style Athletic golf shirt (no logo on the front, no pocket, size Large mens)

2) Pink Lapel pin

Give thanks for your strength and Live Life to the Fullest EVERY day,

If you would like information about buying, selling or renting real estate Email me at: SCOTT@SCOTTCULBERSON.com. I look forward to helping you to… LIVE LIFE TO THE FULLEST Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene

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Be the Strength for Someone

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It’s October and that means it is Breast Cancer Awareness month.  I don’t normally have a quote for this month but I thought that maybe this month needs a little something extra this year.

“I have heard there are troubles of more than one kind.  Some come from ahead  and some come from behind.  But I’ve bought a BIG BAT.  I’m all ready you see.  Now my troubles are going to have troubles with me.”  –Dr. Seuss

I think this quote from Dr. Seuss, even though it’s an odd source, sums up the courage and power we all need especially during Breast Cancer Awareness month.

My mother died due to complications with her breast cancer so this month weighs heavy on me.

So my message to you is: Be Someones Strength  Be Your Own Strength.  Give thanks for your strength and Live Life to the Fullest EVERY day,

If you would like information about buying, selling or renting real estate Email me at: SCOTT@SCOTTCULBERSON.com. I look forward to helping you to… LIVE LIFE TO THE FULLEST Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene

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Sometimes You Need to Play Soccer

Here is our quote for September:

“Right here, right now, God has placed you to do what you do best.  Go all the way.”   —Coach Eric Taylor

          A great quote indeed.  This past year has been tough in the greater Houston area with so many people being affected by Hurricane Harvey.  With this tragedy came many opportunities for our community to help and support one another.

Traditional soccer ball on soccer field

I was talking to a friend of mine the other day (we will call him C.W.) and it reminded me of the work he did after Hurricane Harvey.  His work was closed many days after Hurricane Harvey hit and he like a lot of us helped neighbors and total strangers with clean up.  C.W. is a HUGE soccer fan; he took that love of soccer and started an impromptu soccer game with some of the neighborhood children where he was volunteering.  No goals, no cleats, just a soccer ball from the trunk of C.W.’s car, a patch of grass and a group of children.  This type of kindness was felt all over the Houston area in the past year.  A soccer game, so simple and fun, was just what those children needed…they needed to be children, they needed a break from the stress that they were feeling.

There is no doubt in my mind that C.W. was placed at that place and at that time to help those children remember what it is to have fun with other children.   In the hustle and bustle of our daily lives sometimes we miss opportunities to be the best that we can be.  A kind word, a positive smile, a nod, paying it forward at Starbucks, or stopping for a pedestrian when it’s raining.  There are opportunities all around us we just have to make sure to take time to read the subtle cues and respond to them with the love in our hearts.  Make sure that you do what you do best today and maybe you can help someone else to…

Live Life to the Fullest!!!

If you would like information about buying, selling or renting real estate Email me at: SCOTT@SCOTTCULBERSON.com. I look forward to helping you to… LIVE LIFE TO THE FULLEST Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene

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Posted in Around town, Community, Family Fun, Home Buyers, Home Sellers, lease, Live LIfe to the Fullest, Relocating | Tagged , , , | Leave a comment

How credit scores are calculated

home on a stack of cash

Today we have guest content provided Michael Timmons, NMLS# 894265, Mortgage Officer with Gibraltar Mortgage Services.

When you check your credit score, you get a number, usually between 500 and 800. But what does that number mean? What is weighed to come up with that number? Here are some facts about how your credit score is calculated.

  • There are 5 factors that are used to come up with the number you know as your credit score. 35%-Payment History, 30%-How Much you Owe, 15%-Length of Credit History, 10%-New Credit, 10%- Credit Mix.
  • Payment history is a heavy hitter here! Demonstrating on time payments is critical for good and above average credit scores. Multiple late payments especially in reference to a mortgage loan, can be extremely hard to fix down the line. That is why on time payments are so important.
  • The amount you owe is also a heavy hitter. Did you know: when it comes to revolving credit (aka credit cards), your balance to limit ratio shouldn’t be more than 30%. When you allow the balance to go over that 30%, your score will be affected! Low balances=better credit scores.
  • Length of credit history is sometimes something you cannot help, so it is weighed less than the first two. Young credit isn’t necessarily bad, it’s just young! Someone who is older and has lots of history can be approved quickly. Whereas younger credit, may require a co-signer or guarantor.
  • When it comes to new credit, the amount of new accounts opened is being referenced. Sometimes, multiple new accounts in a short period of time could be viewed as a risk! That is why it comes into play here.
  • Credit mix means just that. Having a well-rounded credit report means having a bit of everything. Revolving credit, installment loans, a mortgage, line of credit, all of these would be a part of a well-rounded credit report. Showing creditors that you are able to handle all kinds of credit is important to proving that you will present minimal risk.

In conclusion, your credit score is important in 2018! And building good credit is a lot easier and faster than fixing bad credit. Understanding why this number matters and what goes into creating your credit score is the key to making sure you are able to borrow what you want (and sometimes need) without issue.

A big thank you to our guest contributor Michael Timmons, NMLS# 894265 Mortgage Officer, Gibraltar Mortgage Services.  Give Michael a call  if you have Mortgage questions at 281-364-7879 or email him at MTimmons@Gibraltarlending.com.

I look forward to helping you to… LIVE LIFE TO THE FULLEST, Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene, SCOTT@SCOTTCULBERSON.com, 281-467-4691

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Post Labor Day Update

Now that the Labor Day Holiday has past there are 852 active listings to choose from with prices ranging from$169,00 to $7,000,000.

Sale inventory is down 13% compared to last year. This is positive news for sellers, less inventory means less competition between sellers.

For buyers, less inventory means less selection and more competition between home buyers for prime properties.

The Average Days on Market for August active listings is 79 Days On Market.  Up 6 days compared to August Days On Market.

For Sellers competition remains competitive.  The expectation is that buyer activity will remain moderate through September and will soften as we approach the fall and winter season.

For sellers to be successful in this market  it requires a thought out strategy for the seller with their real estate agent.

For Buyers the selection remains good, but will reduce as we approach the Fall season. Less inventory means less selection.

Currently mortgage rates and monthly payments are still low, but on the rise.  Seller that are motivated want to hear from you.

If you would like more information about buying, selling or renting real estate Email me at: SCOTT@SCOTTCULBERSON.com. I look forward to helping you to… LIVE LIFE TO THE FULLEST Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene

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BACK TO SCHOOL, BACK TO BASICS

School is back in session; tax free weekend is over so now we will see a retail dash for missed school supplies or forgotten articles of clothing.  If there is a new school gadget that the kids are needing I haven’t heard of it.  Schools now have their own wi-fi, and maybe even a library full of tablets for the students to check out.  Education has come a long way from the days of a hand-held chalk board.  Many teachers will have students turn in projects over the internet or have their students access the internet during class.  Computers, smart phones, tablets, we are living in an interesting time, a time where information is at our finger tips but is this preparing future generations for a dramatic fall?

Information overload, the need to get the one right answer, the ability to seek information without interacting with another person.  Let’s be clear, not everything on the internet is true.  We cannot allow our youth to take what they find on the internet at face value.  Students need to continue to consult experts in the field of knowledge…real people not a blog or Facebook articles.   They need to continue to have discussions with their peers, their teachers and their parents.

Lastly and in my opinion most importantly, the students need their parents support.  I am NOT talking about crazy soccer parent support.  I am talking about going back to the basics of human decency, manners, courtesy, respecting everyone’s opinion, everyone’s bubble, etc.  Above all I think that children need to be taught how to be gracious WINNERS again.

When my son was starting high school football my dad told my son, “If you ever get the chance to score a touchdown, act like you have been their before.”  Yes, that pretty much came out of nowhere.  I could see the wheels going in my son’s head, he was thinking past the obvious meaning and starting to understand the deeper meaning.  Winners win because they prepare to win.  Winners don’t win because they berate the other team.  Winners don’t when by cheating.  Winners don’t win because they have the best touchdown celebration.  Winners win because they practice winning.

“I hate to lose more than I love winning. —Jimmy Connors

So, school is back in session.  Be mindful of the school zone and the big yellow school buses picking up and dropping off children.  Be on the lookout for unexpected little bikers that haven’t quite go the hang of riding their bike but are so excited to have the independence to ride to and from school.  It’s going to be a GREAT school year; the weather is slowly getting cooler and football will be here soon.

            If you would like more information about buying, selling or renting real estate Email me at: SCOTT@SCOTTCULBERSON.com.   I look forward to helping you to… LIVE LIFE TO THE FULLEST Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene

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