Tips To Make 2016 Awesome!

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Entering the new year has always been one of my favorite times of the year as it’s a time that I like reflect on the closing year, celebrate the successes that came with it, and create new goals for the new year head. It’s easy to get wrapped up in the whirl wind of the holidays that I find it important to schedule time to really sit down and create a strong game plan for the next year… for those of you who really like to plan this time may come before the holidays.

This week, Michelle and I wanted to share some goal setting and business planning tips that we’ve implemented to set ourselves up for an awesome 2016.

  1. Look at your numbers and set a budget
    Some questions to ask yourself when you plan how much money you anticipate to spend through out the year: How much money do you expect to make? How much of it do you want to save? How much are you setting aside for your vacations, retirement, taxes? Where can  you cut costs? Where are you comfortable spending more money?
    Taking a look at your previous year and knowing where your money went on a month to month basis will help you determine what changes you can make to live the life you want and plan to live. It will also relieve any anxieties you have about spending and will leave you free to spend fearlessly… (as long as you’re staying within your budget) 🙂
  2. Set goals throughout the year
    Start broad with your goals for the year, then set quarterly goals, monthly goals, and every week set your weekly goals. Be sure to revisit these goals and make changes where you see necessary.
  3. Lay out your calendar year
    Just like goal setting, start by looking at the entire year and block out the time you plan to go on trips, vacations, and special holidays. Next, look at each month and fill in your routine activities and deadlines. Lastly, each week schedule time to take a look at what’s coming up and where you can fill in your meetings, dinner dates/lunches, and things you need to get done on your to-do list. Every morning, take a look at your calendar and make a daily action plan by time blocking by the hour. Some tools that we use are Google Calendar for desktop,  Sunrise Calendar App for mobile, and Trello.com for task management and daily activities.
  4. Find your big “why”
    Getting really clear about what drives you to work hard and the reason why you do what you do is so imperative to help sustain you throughout the year when it comes time to doing the things you don’t want to do. Each year your why might change or you may need to tweek it a little so that it has that magic to get you up and running. Each year Michelle and I set out our whys and we make it the theme of the year. We even created dream boards to get really specific and to help up visualize what we want for our futures. It’s a fun activity, you should try it!

Whatever your goals are, knowing exactly what you are supposed to do to get there and taking action on them is a guaranteed road to accomplishing anything you set your mind to. Of course, if Real Estate is a part of  your goals, we are here to help you set out your plan and turn those goals into a reality. Let’s make it a great year together! Cheers to 2016 being filled with lots of love, joy, and prosperity!

 

 

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Happy Holidays from Your Top Producing Team!

 

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We love the holidays as it’s a time to connect with loved ones, reflect on the year, and eat lots of yummy food 🙂 As this year comes to a close we are humbled, excited, but above all grateful to share that we both received top producer awards at our respective brokerages! 2015 has been an incredible year and we know that our success would not be possible without our clients, team, brokers, colleagues, friends, and family. We are so lucky to be able to do what we love and love what we do. It’s the people in our lives that inspire us to continually work on being the best versions of ourselves so that we of highest service to our clients and community.  We’ve learned so much this year from our brokers, community, and from each other that we are excited for even more greatness in 2016! Cheers to another great year, we are looking forward to ringing it in with a renewed sense of joy, love and prosperity!

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Hunter Mason Realty and Beach City Brokers Top Producers!

Attention All Future BUYERS: TRID or Know Before You Owe rule

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Attention all future BUYERS!

As of October 3rd, 2015 TRID (also referred to as the Know Before You Owe rule) has been implemented to help borrowers understand the terms of their home financing transaction and have all the information they need to make informed mortgage choices.

 

What is TRID?

What does TRID stand for?  TRID is the TILA / RESPA Integrated Disclosure Rule.  Only in the mortgage world would we make an acronym out of acronyms… so let’s break this down a little further.  TILA is the Truth in Lending Act and RESPA is the Real Estate Settlement Procedures Act.  The CFPB modified both rules in its TRID final ruling.

This new rule primarily does two things:

  1. It simplifies and consolidates some of the required loan disclosures, and
  2. It changes the timing of some activities in the mortgage process.

So what can you expect now that this rule is in effect?

First, you will see consumer disclosures that are very easy to read. The Loan Estimate forms will clearly set forth the terms of the proposed transaction to help the borrower determine whether they would like to proceed with the transaction.

Next, consumers will be given their Closing Disclosure early. Before closing on a home purchase or refinance, consumers must receive a copy of their Closing Disclosure at least 3 business days prior to closing so if they have questions, their Loan Originator can provide them with additional information. The format of the Closing Disclosure will also mirror the Loan Estimate to make comparison easy.

What does this mean for buyers?

Due to these new requirements and timelines, it is important for borrowers to work diligently with their lenders. All documents requested should be submitted in a timely fashion and the borrowers lender and agent should be in close communication regarding any price changes, credits, or appraisal issues. It is always recommended to get pre-approved and to choose your lender prior to starting your home purchase process, however now with the new Know Before You Owe rule, it is that much more essential.

Click HERE for a copy of a step-by-step brochure provided by the Consumer Financial Protection Bureau.

And of course, feel free to contact us with any questions you may have in starting your home buying or selling process.

Email us at: info@weberaccetta.com or Call: 310-387-4693

 

 

Women’s Council of Realtors Installation

On Monday, the Women’s Council of Realtors held their annual installation of the new 2016 board members. Michelle and I were both installed, Michelle as Programs Director and myself as President. It is such an honor to be involved in this organization with a group of inspiring leaders that volunteer their time to bring education, networking, and leadership opportunities to our local Real Estate community.

For the past three years I have witnessed the hard work and dedication it takes to run and grow this organization. It has been an amazing experience developing so many meaningful relationships and learning from the best leaders in our industry.  I’m excited for the both of us to be a part of the 2016 board among three other super star leaders as we will be learning, growing, and enhance our leadership skills together. Stay tuned for all the fun events we will be coordinating and information that help us keep our clients in the know.

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Above from L to R: Christi Carillo- President Elect, Vicki Goorchencko- Secretary/Treasurer, Michelle Accetta- Programs Director, Lauren Weber- President.

Below: Marci O’Brien- VP of Membership

 

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Neighborhood Spotlight: Lend A Hand Club

As your local REALTOR’s, our goal is to connect the South Bay community. Each month we support and connect neighbors by sharing what they are up to!
This month we are featuring Lend A Hand Club
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We wanted to learn what the Lend a Hand Club was all about so we rolled up our sleeves and spent a Sunday morning volunteering with them. What we experienced was inspiring! The club meets most Sunday mornings at their fearless leader, Jack’s house on Stanford Ave. They gather for about an hour assemble sandwiches, mix juice and organize their blankets and donations. The morning was  full of camaraderie, collaboration and energy. Kids gathered around a table swiping peanut butter and jelly, passing supplies from one to the next, all in the spirit of accomplishing their goal to put good back into the world. Once the last sandwich was wrapped the all the juice mixed we packed up the cars and headed out.
Here is where our time with the Lend A Hand Club was surprising. We have always heard giving out food on skid row is a humbling experience and it is, it makes you thankful for everything and everyone you have in your life. That we expected. What we were not expecting was witnessing the immense amount of leadership displayed by this group of high school students. The group was fearless in their interactions, handing out water, juice and sandwiches all with a smile. There is a sense of comfort and ease with the students you can tell their fearless leadership is a direct result of the guidance and protection of our neighbor Jack. He has been organizing Sundays just like this for at least 15 years. He is not only known in our neighborhood for doing so, but known among the inhabitants of Skid Row. He has a presence of a leader and a protector, with him it is apparent the students are free to come into their own as leaders and a source of inspiration. We were so inspired by this group and hope you are too!
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Our interview with Lend A Hand Club’s current President, Margot:
When was Lend a Hand Club created and how did it begin? 
Lend a Hand Club was created about 7 years ago when Sarah  who had been going to skid row with Jack through his Church started this club at Mira Costa to give more students the opportunity to experience what she had experienced. After a few years the leadership graduated and the club fizzled out. Since my older brother had been in this club I knew about it and really wanted to be a part of it so I decided to start Lend a Hand Club again and establish it as an active club at Mira Costa.
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What does Lend a Hand Club do?
As often as we can we take trips to skid row handing out sandwiches, lunch foods, clothing, shoes, blankets, and anything else we have to donate. We raise funds in order to continue paying for these trips, and we often do projects that come from Jack’s suggestions, like the Book Drive.
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How does Lend a Hand Club acquire food and goods? 
Students from Mira Costa raise funds through bake sales and donations, but we are always looking for more ways to raise funds and reaching more people who may want to donate.
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What do you see possible for the future of Lend a Hand Club and members involved?
Lend a Hand Club is looking at pairing up with a mission down town, and also starting a mentor program with Middle Schools kids who go to Teen Center so we can show them how their actions can make a difference in their community.
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How does Jack’s involvement in the club inspire all of you?
Jack Talerico is hands down the most generous person I have ever met in my life. He would donate the shoes from his feet or the coat from his back without thinking twice. He inspires me more and more every time we meet up. He is so kind and incredibly wise, always giving us advice for how to better ourselves and our community. I often feel like I need to write down everything he tells me because of the value of everything he says. He teaches me to be more generous, patient, and kind, but mostly he stresses the importance of listening to others and showing them that they are important which is something we can practice on our trips to skid row.
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How can the community support Lend a Hand Club?
Any donations at all are extremely appreciated, whether its blankets, clothing, shoes, food, money to buy food, socks, or hygiene items like deodorant, soaps, or feminine products.
Items can be dropped off (in the bed of the pickup truck in driveway) at: 1135 Stanford Ave, RB 90278
To donate you can purchase a Lend A Hand Club t-shirt HERE!
People can also get involved with coming downtown – volunteers are ALWAYS welcome.
Contact Jack to volunteer or with any questions: 310-683-9383