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B o b A b n e r H o m e P ro s

Home Pros Outlook

Volume 3, Issue 1

6 Signs Of A Crummy Real Estate Agent

Look What’s Inside:  How To Choose A Realtor  Home Pros 10th Year Supporting Shriners Toy Drive  Marilyn Stoffregen Joins The Home Pros  Marley Thinks Haley Has Chewing Issues  Do You Know How To Peel A Banana?  Fischer Homes and Home Pros Partner To Help Build Your Dream Home  A Woman Saved From Losing Her Home By A Total Stranger  Brandon’s Money Matters Did You Know Your Personal Information Is A Hot Commodity

While a savvy real-estate agent can certainly help you sell your home more efficiently, not all brokers are created equal. And in today's feeble realestate market, it's all the more important that an agent go the extra mile on behalf of home sellers. But how can a homeowner tell if an agent is doing everything he or she can to get the property sold or is simply going through the motions? To answer that question, U.S. News recently spoke with a handful of industry professionals and compiled a list of six distinct signs that may indicate that an agent is not 100% committed to the effort. 1. Out of touch. Just as in a

marriage, communication is a key component of the relationship between a homeowner and an agent. If the communi-

cation isn't there, the relationship won't work. So if your agent doesn't return your phone calls in a timely fashion or disappears without warning for weeks at a time, you should probably find someone else. Some real-estate agents will block out a single window of time — say, between 4 and

5 p.m. — in which to return all of their phone calls for that day, says Jay Thompson of Thompson's Realty in Arizona. "I've never really understood that," he says. "That's not necessarily good if your seller or buyer wants to talk to you at 8 o'clock in the morning — they end up waiting a whole day." 2. No advice. Let's face it; even homeowners who have been through several realestate transactions can benefit from a little advice from their agent. But if an agent doesn't offer any advice, it could be an indication that he or she is not fully engaged in the process. "We're not shy people," says Elizabeth Blakeslee of Coldwell Banker. "If an agent doesn't suggest fixing drippy faucets or reducing clutter —

5 Reasons To Buy In The Present Housing Market 1. Prices in the neighborhood you are interested in are relatively stable. Either they are holding their own or increasing, or the pace of decline is slowing significantly. If you have to move and don't like apartments, the small penalty you pay for missing the bottom may not mean much. 2. You plan to stay in the home for more than five years. If you can stick it out that long before selling, economists say you’ll probably ride out any downturn and come out ahead on price. 3. Your rent rivals a mortgage payment. If you can afford to buy, it can give you one bonus that renting can't: the mortgageinterest deduction on your taxes. 4. You've found the right house in the right area for you. The schools are great. You love the area and know it would be hard to find another house like the one you have your eye on. In a better market, you would most likely have much more competition for that home. 5. You've built equity in your house and are moving to a place where homes are cheaper or moving up where you will benefit from the competitive pricing. In this housing market, your money goes a lot further whether upsizing or downsizing.. 


Home Pros Outlook Page 2

Volume 3, Issue 1

Meet Marilyn Stoffregen The Bob Abner Home Pros is excited to welcome Marilyn Stoffregen to our team of professionals. We have known Marilyn for years and she brings to our team an extremely high work ethic, as well as, 12 years of experience working with both buyers and sellers.

Marilyn Stoffregen Sales Associate

Marilyn has earned a Bachelor of Arts degree and a Masters degree in Education. She taught Political Science and US History at Campbell County High School before retiring from teaching in 1996. Since then, Marilyn has been

certified as a New Home Specialist and enjoys working with former students and first time homebuyers. Marilyn resides in Ft. Thomas, KY, has a married daughter, Betsy, and is a first time grandma. Bob Abner says, “Marilyn is the typical teacher, when you work with her you can be assured that all the i’s are dotted and t’s crossed. She is extremely conscientious and brings to both buyers and sellers honesty, integrity and a well rounded knowledge of the real estate industry. We are

It’s A Dogs Life—Marley I hate to be a tattle tale, but . . . Haley ate the couch. Yes, it is true. One day when it was cold and rainy, our Mom and Dad made us stay in while they were at work. In the past, we have always minded our own business, but on this particular day Haley was acting up. I swear I tried to stop her, but Haley is the chewingest dog I’ve ever seen. Up until now, she has focused her attention on destroying bones and toys, with the exception of a couple of leashes, the corner of the deck, some molding, and numerous blankets and throws, oh yes, and me. But I digress. The worst part is the couch was my grandma’s. Mom and Dad made Haley tell her what she did. Now, Haley isn’t really that bright, but she used sheer generous in breaking the bad news to “Mam”. First she started out telling Mam about her humble beginnings. About how she was abused and never fed. How she was basically given up for dead until her foster mother Debbie from the Ft. Thomas Animal Hospital agreed to rescue her and get her healthy. That’s when we adopted her. Anyway, Mam ate it right up. By the time Haley got to the part about eating the couch she had Mam eating right out of her paw. Mam just looked at her and said, “Oh Haley June, what are we going to do with you”. Can you believe that. Then, Mam gave her a hug.

absolutely thrilled that Marilyn has joined The Bob Abner Home Pros in bringing the highest level of service to the Northern Kentucky community.” If you are looking to work with someone who is efficient, knowledgeable and always keeps your interests first, call Marilyn today. Direct: 859-653-1592 E-mail: mstoffregen@huff.com

Did You Know? I can see the writing on the wall here. She is going to milk that humble beginning sob story for all it is worth and get out of all kinds of trouble. If you know how to keep Haley from chewing stuff she shouldn’t, like furniture, please blog me by going to BobAbnerHomePros.com and click the “Blog” button. We have to get this stopped because one of these days, someone is going to think it is me chewing up stuff and I don’t have a sob story that is going to get me out of trouble. As most of you know, I was born with a silver bone hanging out of my mouth.

Peel a banana from the bottom and you won't have to pick the little "stringy things" off of it. That's how the primates do it. Take your bananas apart when you get home from the store If you leave them connected at the stem, they ripen faster. Store your opened chunks of cheese in aluminum foil. It will stay fresh much longer and not mold! Peppers with 3 bumps on the bottom are sweeter and better for eating. Peppers with 4 bumps on the bottom are firmer and better for cooking. Add a teaspoon of water when frying ground beef. It will help pull the grease away from the meat while cooking.


Home Pros Outlook

Volume 3, Issue 1 Page 3

There Is An Elephant In The Living Room—Stacy Peace I get many wonderful people who visit me at my model in Granite Spring. They seem so much to want to build their dream home, however, they often have a few stumbling blocks such as:

dustry that means, we have a home to sell, but we are buyers).”

“We’re going to wait a year for the market to pick up before we sell our home or buy a new one.”

These are certainly valid feelings. However, there are so many options available to new home buyers that you may be missing out on amazing opportunities to own a new Fischer Home.

“We just can’t move forward right now . . .”

“Ugh, my 401K #$%)! We needed that money to help us with deposits.”

“We’re just looking. (In my in-

Good Is All Around Us In these often difficult and uncertain times it seems as though there is no good or uplifting news in sight. The fact is, there are good things happening all around us if we would just take the time to look. Tracy Orr attended an auction of foreclosed homes, hers was one on the block for bid. She had bought her home in 2008 and just a month after purchasing it for $80,000 she lost her job. Orr fell behind on her payments and then went into foreclosure. A teary eyed Orr struck up a conversation with a stranger about her heartbreak, that stranger happened to be a God Send. Marylin Mock was attending the auction to help her 27 year old son to purchase a house. After hearing Orr's dilemma she decided to buy the foreclosed home on a whim. She purchased the house for $30,000 then told Orr she could stay at her home and pay her inAs reported by Fox News stead of the bank.

We hope you will refer the Bob Abner Home Pros to your family, friends, neighbors and work associates. Do you know of anyone who is planning to buy or sell a home? Have them call us today 859.442.4385

I have partnered with The Bob Abner Home Pros to provide a full circle of services that will benefit you as a buyer and most importantly those of you who need to sell their current house, so you can enjoy living your dream of owning a new home. We are on your side. If we can work out something that will help you realize your goal of a new home, we want to do that. If we can’t, we can suggest

things that you will need to do to get you there as quickly as possible. These are uncertain times, but you can be certain of one thing. The Bob Abner Home Pros and Fischer Homes want to help you and we will do our very best to make your dream of owning a new Fischer home a reality. Stacy Peace—Sales Counselor Fischer Homes 859.441.3320

Money Matters—Brandon Barlow Breaking News You Need To Know Your Information … A Hot Commodity Having your credit checked is an important and necessary step in the home buying process. But very few people realize that each time their credit is checked, the “inquiry data” that the credit bureaus (Equifax, TransUnion, Innovis or Experian) have on file have now become a commodity. This information is being sold by the credit bureaus to other lenders…and also to companies that sell and resell the same names and personal information. That’s right – the credit bureaus have found a way to increase their revenues at your expense….and without your permission. These “inquiry leads” include name, address, phone numbers (including unlisted), credit score, current debt and debt history, property information, age, gender and estimated income. They are marketing personal, confidential information to competing creditors…and making millions. Your privacy is being sold, not just once, but over and over again. And lenders that purchase these leads at a premium will then do everything they can to recoup their investment and turn a hefty profit. Super sneaky bait and switch tactics are being used to lure clients away from their reputable lender. Clients have even been called by disreputable lenders and told that the lender they had been speaking to previously “passed on” the information to them, because they knew that they’d be able to offer much better interest rates and terms. Ouch! Just Say “No” The consumer credit reporting industry has provided a way to “opt out” and remove your name from these lists. You can contact them by phone at

1-888-567-8688 or online at www.optoutprescreen.com You must opt out at least 48 hours prior to having your credit checked to make sure it is processed in time. You can choose a five year or lifetime option, and the lifetime option does require a signed form. If a credit report needs to be run prior to the 48 hour waiting period – at least you are aware and informed, and can be on the lookout for suspicious phone calls or mailers from someone who has purchased your data. The good news is by opting-out you can make it stop right away and protect yourself from “pre-approved credit offers” arriving via mail, which is one of the leading causes of identity theft in the US. Take Your Privacy Back You certainly have the right to shop for the best professional to meet your lending needs – but this should be done when and how YOU choose, not being done without your consent or permission. In fact, I can even provide a “Shopping Around” guide so that you know how to make educated, informed choices when selecting your lender. Call me if you’d like a copy sent to you right away. And unfortunately, these unsolicited marketing tactics are a nuisance and intrusive, but quite legal. Take your privacy back. Take five minutes right now – opt out, and pass it on to family and friends. Refuse to be a part of this system.

Brandon Barlow 859.442.4466


Bob Abner Home Pros HUFF REALTY 2808 Alexandria Pike Highland Heights, KY 41076

Bob Abner—859-442-4385 Jane Yarborough—859-466-0734 Marilyn Stoffregen—859-653-1592 Lori Abner—859-442-4327 Marley—MarleyAbner@gmail.com

www.BobAbnerHomePros.com

6 Signs Of Crummy Real Estate Agent—cont. pg. 1 that sort of thing — then they are just going to put [the property] in the Multiple Listing [Service] and throw up a sign and hope." Not exactly the pathway to value in today's sluggish market.that sort of thing — then they are just going to put [the property] in the Multiple Listing [Service] and throw up a sign and hope." Not exactly the pathway to value in today's sluggish market. 3. Insists on affiliates. Realestate agents who insist on clients using a particular lender or affiliated company for the transaction should also trigger alarm bells. "That's a huge red flag because odds are they are probably getting a cut on a referral fee," says Joshua Dorkin, the founder and chief executive officer of BiggerPockets.com, a Web site that specializes in real-estate information and networking. "Frankly, you should be able to use whoever you want to use." 4. Part-time gig. Just because a real-estate agent has a license

doesn't mean it's his or her fulltime job. And while some parttime agents are certainly capable, "when you put food on the table for your family selling real estate, you approach things differently," says Mike Sannes of Keller Williams. "If your realestate agent is actually a waiter, waitress or [another profession], then you are probably not going to be happy with where their priorities are."

subordinating the client's best interests. Selling agents earn a separate commission off a realestate transaction, agents who make listings just from their company available may be trying to steer that commission to the brokerage as well. "[If] I only showed you my listings or [the company's] listings, that's a huge red flag because there is a lot of the inventory that you are not considering," Sannes says. "By limiting [the inventory], you are not doing your job representing a buyer."

there is a disciplinary action on your agent's record. (Contact information for state agencies is available through the Association of Real Estate License Law Officials.) "It's like when you hire a contractor, you go to the state contractor board," says Barbara Cook of Keller Williams. It's also a good idea to check with the state agency simply to ensure that your agent is in fact licensed — as scam artists have been known to pose as realestate agents to perpetrate fraud. Luke Mullins—US News & World Report

5. Keeps it in the family. A realestate agent who shows buyers only properties that are listed with his or her broker could be

6. Behavior problems. Every realestate agent is licensed by the state in which he or she practices. State agencies, meanwhile, keep the records of all disciplinary actions taken against their agents. By getting in touch with the agency that oversees the real-estate industry in your state, you can find out if


Home Pros Outlook