Tag Archives: Home Boy

Campus Open House, Sunday 8/13 from 2:00 to 4:00 – 636 E. Boyd

What are you doing this weekend?! If you are going to be around Norman in the afternoon you should stop by and see me at 636 E. Boyd Street between 2:00 and 4:00 PM. This house is beautiful, and ready for someone to come and love on it. Who do you know who might want to live by campus in Norman? Well feel free to share this with them 🙂

 

Walk Through Tour – 636 E Boyd

New Listing Alert!!!

636 E Boyd Street, Norman, OK

Check out more pictures here —–> https://goo.gl/osR47t
And see the full listing here ——-> https://goo.gl/wdMnAw

Who is looking for an amazing campus home in Norman, Oklahoma?! Just an arrow's flight from The Mont Restaurant and The University of Oklahoma this amazing historical home has tons of character! It boasts: a split plan with 4 bedrooms, 3 bathrooms, 3 living/flex spaces, and a recently updated kitchen. The kitchen looks out over a fantastic covered patio just waiting to entertain before a game, or to sit on while a rain storm rolls through town. And don't miss the wonderful newly added Pella windows. And if you love older homes you will love these original hardwood floors. There is plenty about the house to tell you about, but I highly recommend that you just come and see it for yourself. Call your Realtor to set up an appointment today!

Grady Carter
Metro Brokers of OK
(405) 474-2905
https://goo.gl/mDdLE3

Posted by Grady Carter – Home Boy Real Estate on Thursday, July 27, 2017

New Norman Listing: 3 Bed, 2 Bath Split Plan – $123,000!!!

Well here is a cute one!

https://goo.gl/wZwdje
New Listing Alert: We've got a cute one! This 3 bed / 2 bath little puppy hit the market this…

Posted by Grady Carter – Home Boy Real Estate on Thursday, March 16, 2017

NEW LISTING ALERT!!! – Walk Through Video Tour, 837 Carol Ann Place

Well, here is a new listing in Moore, Oklahoma that I really love!

837 Carol Ann Place – Walk Through Tour

NEW LISTING ALERT!!! – Walk Through Video Tour
https://goo.gl/r43j0B

*837 Carol Ann Place, Moore, OK 73160*
This awesome home has: 4 Beds, 2 Baths, a 3 Car Garage, an Office and a whole lot more! I'm happy to tell you more about this house, but you can just come on in for yourself by watching our walk through tour. Do you know anyone who might be looking for a house like this? Be their buddy and send them this video, or tag them in the comments. This home is looking for another great group to take care of it next! 🙂

For More Info See The Full Listing:
https://goo.gl/r43j0B

Grady Carter
Realtor®, GRI
Metro Brokers of OK
Lic. #160723
(405)474-2905
www.HomeBoyOK.com

Norman Board of Realtors, Oklahoma Association of REALTORS®, National Association of REALTORS®

Posted by Grady Carter – Home Boy Real Estate on Thursday, March 2, 2017

For More Info See The Full Listing:
https://goo.gl/r43j0B

Planner Shares System For Managing Money – Business Insider

Being a real estate agent is often a lot like being a party planner. There are several people and issues that need to be kept up with, and consistently held to account. Part of making sure that the party goes off without a hitch when working with a homebuyer is making sure that they have a financial plan to execute the purchase. Most people like to keep their finances rather private, so it’s important that people know that making that plan can be done in private. I often recommend that people use a few different free services to monitor their finances and credit: Mint.com, and Credit Karma. They both run ads, but if you can just ignore those you can be a step ahead. Feel free to send me a message if you have any questions about either one of those services. Now, read this article and if you don’t have these basic financial tools in place start setting them up. You can do it – now let’s make a plan and throw that party!

If you are seriously wanting to get your financial house in order you might reach out to an accountant/cpa and maybe even a financial planner to look at how you can use your money to best fit you life and goals. And you might also talk to an estate planner in case you are worried about what will happen to your assets in the case of you passing away. My sister Claire is actually an estate planner and you are more than welcome to call her to ask about what that looks like, just tell her that I sent you. 🙂

Claire Bailey,  Bailey and Poarch: (405) 329-6600

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723

 

“A few years ago, I put in place a ‘Money Flow’ system to help my family track our spending.”

A Financial Planner Shares Her Personal System For Managing Money

family walking beach winter

The author’s family is not pictured.Flickr / James Brown

Part of the reason we accumulate debt is that there are so many distractions in our lives – things we want to buy but don’t need.

But we also ring up debt because we simply don’t understand the flow of our income and expenses, so we can’t accurately estimate how much money we have available to spend.

I’ve struggled with this myself. A few years ago, I put in place a “Money Flow” system to help my family track our spending.

You may have heard of a system like this before, but follow along on this tour, because it really works.

Putting the pieces in place

1. Set up two free checking accounts:

  • One to pay fixed expenses (such as the mortgage, car payments and utility bills).
  • One to pay variable expenses (groceries, gas, clothing and so on).

2. Set up a high-yield online savings account.

We call this our “curveball” account. It’s an emergency fund for use when life throws us curveballs – large medical bills, a job loss or reduction in income, major home repairs, that kind of thing.

3. Make a plan for big-ticket items.

My husband and I agreed that we would use one family credit card for large purchases, such as airline tickets and hotel stays. We still have our separate credit cards – it’s wise to keep your own credit cards to maintain your credit score and credit history. Using them once or twice a year should be sufficient. And don’t close those cards because it will affect your overall credit score.

Implementing the system

1. Draw up a budget for fixed and variable expenses.

Add up how much you need in each category. This will be your guideline for how much should be in each of your checking accounts.

Fixed expenses might include:

  • Rent or mortgage payment
  • Property taxes
  • Utilities (gas, electric, water, etc.)
  • Home, auto and umbrella insurance
  • Life, disability and long-term-care insurance premiums
  • Health insurance premiums (if not taken out of your paycheck)
  • Cable TV, Internet, phone and cellphone
  • Gym or yoga memberships
  • Debt payments (credit cards, student loans, car loans, personal loans, etc.)
  • Savings (yes, this is an expense – pay yourself first!)

Variable expenses might include:

  • Groceries
  • Eating out
  • Gas
  • Clothing/shoes
  • Personal services (haircuts, doctor visit copays, etc.)
  • Entertainment

2. Distribute money to the accounts.

When your paycheck comes in, allocate the designated amounts into each checking account based on the budget you created. The sum earmarked for the curveball account can go there directly.

3. Pay fixed costs directly.

All bills are paid automatically from our fixed-expenses account. We do not have to write any checks, and no debit card is necessary. This account has a cushion of a few hundred extra dollars in case a bill shows up unexpectedly or before we have a chance to replenish the account.

4. Pay variable expenses from the second account.

This account should have a debit card, which you can use for purchases.

5. Link the curveball account to either checking account.

If an emergency arises, you can transfer funds within 24 to 48 hours. You can then access the money with a check or debit card.

Realizing the benefits

Once I implemented this system, the process of tracking expenses wasn’t so cumbersome anymore. Separating expenses into fixed and variable categories meant I didn’t have to worry constantly about checking account balances. Having fewer transactions in each account also made it easier to see the bigger picture of our spending.

The chart below depicts the flow of money.

Money Flow Chart2

* After taxes and pre-tax retirement plan contributions.Chart courtesy of MainStreet Financial Planning

Every family’s finances are different, of course. Feel free to customize my system as necessary. The point is to get – and keep – a grasp on the flow of your money. If you know exactly what’s coming in and going out, you can’t be surprised by debt.

Source: Planner shares system for managing money – Business Insider

Let’s Play A Little Game – Buying A Home

Ok, let’s play a little game. Let’s say you pay about $800 per month in rent, and you are interested in keeping some of your money. Let’s imagine that you bought a house for about $120k, and put 10% down, with current rates your payment could be about that same $800 per month. If you held onto that house for 10 years (as a primary residence or as a rental property), and it increased in value by about 1% per year you would have quite a bit of equity!!!

Maybe you’d want a house for a different price, and with a different down payment, everyone’s situation is a little different.
Rates have been historically low, but they’ll have to go up even more eventually. Buying isn’t always a good idea for everybody, but have you looked into whether or not it’s a good idea for you? Call/message/email me if you are interested in finding out what all of this hoopla is about! 🏡 #Oklahoma #RealEstate

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723
(405)474-2905
HomeBoyOK@gmail.com

 

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10 Best-Kept Secrets for Selling Your Home | Interior Design Styles and Color Schemes for Home Decorating | HGTV

Tricks of the trade to help you get top dollar when selling your home.

It’s that time of year again to start getting your house all gussied up for the selling season! Are you ready for it? Whether you think you are or whether you think you aren’t here are a few quick reminders for getting your house ready.

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723

10 Best-Kept Secrets for Selling Your Home

Tricks of the trade to help you get top dollar when selling your home.

Selling Secret #10: Pricing it right
Find out what your home is worth, then shave 15 to 20 percent off the price. You’ll be stampeded by buyers with multiple bids — even in the worst markets — and they’ll bid up the price over what it’s worth. It takes real courage and most sellers just don’t want to risk it, but it’s the single best strategy to sell a home in today’s market.

Selling Secret #9: Half-empty closets
Storage is something every buyer is looking for and can never have enough of. Take half the stuff out of your closets then neatly organize what’s left in there. Buyers will snoop, so be sure to keep all your closets and cabinets clean and tidy.

Selling Secret #8: Light it up
Maximize the light in your home. After location, good light is the one thing that every buyer cites that they want in a home. Take down the drapes, clean the windows, change the lampshades, increase the wattage of your light bulbs and cut the bushes outside to let in sunshine. Do what you have to do make your house bright and cheery – it will make it more sellable.

Selling Secret #7: Play the agent field
A secret sale killer is hiring the wrong broker. Make sure you have a broker who is totally informed. They must constantly monitor the multiple listing service (MLS), know what properties are going on the market and know the comps in your neighborhood. Find a broker who embraces technology – a tech-savvy one has many tools to get your house sold.

Selling Secret #6: Conceal the critters
You might think a cuddly dog would warm the hearts of potential buyers, but you’d be wrong. Not everybody is a dog- or cat-lover. Buyers don’t want to walk in your home and see a bowl full of dog food, smell the kitty litter box or have tufts of pet hair stuck to their clothes. It will give buyers the impression that your house is not clean. If you’re planning an open house, send the critters to a pet hotel for the day.

Selling Secret #5: Don’t over-upgrade
Quick fixes before selling always pay off. Mammoth makeovers, not so much. You probably won’t get your money back if you do a huge improvement project before you put your house on the market. Instead, do updates that will pay off and get you top dollar. Get a new fresh coat of paint on the walls. Clean the curtains or go buy some inexpensive new ones. Replace door handles, cabinet hardware, make sure closet doors are on track, fix leaky faucets and clean the grout.

Selling Secret #4: Take the home out of your house
One of the most important things to do when selling your house is to de-personalize it. The more personal stuff in your house, the less potential buyers can imagine themselves living there. Get rid of a third of your stuff – put it in storage. This includes family photos, memorabilia collections and personal keepsakes. Consider hiring a home stager to maximize the full potential of your home. Staging simply means arranging your furniture to best showcase the floor plan and maximize the use of space.

Selling Secret #3: The kitchen comes first
You’re not actually selling your house, you’re selling your kitchen – that’s how important it is. The benefits of remodeling your kitchen are endless, and the best part of it is that you’ll probably get 85% of your money back. It may be a few thousand dollars to replace countertops where a buyer may knock $10,000 off the asking price if your kitchen looks dated. The fastest, most inexpensive kitchen updates include painting and new cabinet hardware. Use a neutral-color paint so you can present buyers with a blank canvas where they can start envisioning their own style. If you have a little money to spend, buy one fancy stainless steel appliance. Why one? Because when people see one high-end appliance they think all the rest are expensive too and it updates the kitchen.

Selling Secret #2: Always be ready to show
Your house needs to be “show-ready” at all times – you never know when your buyer is going to walk through the door. You have to be available whenever they want to come see the place and it has to be in tip-top shape. Don’t leave dishes in the sink, keep the dishwasher cleaned out, the bathrooms sparkling and make sure there are no dust bunnies in the corners. It’s a little inconvenient, but it will get your house sold.

Selling Secret #1: The first impression is the only impression
No matter how good the interior of your home looks, buyers have already judged your home before they walk through the door. You never have a second chance to make a first impression. It’s important to make people feel warm, welcome and safe as they approach the house. Spruce up your home’s exterior with inexpensive shrubs and brightly colored flowers. You can typically get a 100-percent return on the money you put into your home’s curb appeal. Entryways are also important. You use it as a utility space for your coat and keys. But, when you’re selling, make it welcoming by putting in a small bench, a vase of fresh-cut flowers or even some cookies.

Source: 10 Best-Kept Secrets for Selling Your Home | Interior Design Styles and Color Schemes for Home Decorating | HGTV

So I Think I Want To Move, What’s Next?

Are you living well, where you live?

Well hello there,

My name is Grady Carter, and I like to call myself the Home Boy. Did you just find yourself clicking on a link because you have found that Zillow and Pinterest improvements just aren’t curbing your appetite enough anymore? I know that feeling. I’ve made a career out of trying to help people find a better way to live, whether that may mean somewhere new, or renovating where they currently live.

As a big believer in being grateful for what you have I don’t always believe that moving, or renovating the house that you live in is the answer to fixing your problems. But, changing your living situation can be a great reset button to really help improve the way that you live. If you are thinking about changing your living arrangement there are a few things that I would encourage you to consider:

  • owning a home, rather than renting, means that you get to keep most of that money (supposing you don’t stop making payments and have your home taken away in a foreclosure)
  • houses generally appreciate in value, unlike cars, and historically are good investments – this is not a guarantee, and I’m not a financial advisor, but observing how wealthy people spend their money on property seems like a rather solid indicator of the return that you might be able to expect
  • owning a home is a big responsibility – it’s been done billions of times before you’ll do it, but a home is a big decision that is worth learning about (asking questions is always encouraged)
  • finding a place to make your home can be an unbelievable adventure that you could remember for the rest of your life!

Ever since I can remember I’ve been in close proximity to the Real Estate industry. My father has been a Mortgage Banker (lender) ever since I was an infant. Also, for the last few years I’ve been flipping houses with my mother, which has been an unbelievable adventure, but I’ve managed to branch off and manage my own Real Estate endeavors. With this having become such a family based industry it has become very personal. I appreciate the opportunities that I’ve already been given to help people, and I can’t wait to keep moving, and learning! If you find yourself with questions about your house, or your dream house I urge you to contact me however you’d like, this is fun for me!

I want to say thank you to those who’ve given me opportunities, and advised me to this point in my life. I can’t wait to really start sharing what I know about how to approach this faction of life, and I hope that if you’re interested in learning more you’ll honor me with your questions. Oh, and Happy Halloween!!!

Grady Carter
Realtor®
Metro Brokers of Oklahoma
HomeBoyOK@gmail.com
(405)474-2905