Anibal Group LLC RealtyNetWorth.com

Concierges, for persons in transition

April 30, 2024

~ ‘Concierge Providers’ in honor of Paul’s mom 1921- 2021. Paul at anibal-group-llc-realtynetworth.com-thenetworthlife_consultation-with-retiree_trusts_conservator_wills MI FL realty broker

Get a concierge: Request information form/ contact us.
Be a concierge: Learn more / contact us.

As always, its another benefit of having a brokerage agreement with me, just as our ‘Annual If/ Any/ All’ package.

With a retainer & pertinent rider docs in place, get this extra perk. Concierge Providers, assist you & only you, with the little stuff outside of the brokerage aspect of your buy/ sell/ and relo.

Pay-as-you go Providers can be:
1. ‘By Your Side’ advocates for QnA, your own personal curator, &/or assistant role, giving general assistance & FYI’s. These are often active or recently retired licensed professionals. >$500 min. retainer/ hourly billings/ retainer refreshed when used up.
2. ‘Site Visiting’ to help w/on-site ‘tasks’. Facilitator Assistant – Good for a small number of specific tasks – The Concierge can visit the site, as needed, for collecting quotes, and checking in on providers – limiting service to being a curator & update reporter. ~ You will ‘launch the task’ & initiate the providers task(s). ~ To protect providers that we’ve curated, we may request retainer = your articulated budget. However, you’ll finalize payment directly to providers at task(s) end, we return to you the ‘escrowed’ security funds at that point, as you are the one directly engaging the provider(s). >$500 min. retainer (higher if we’ve done pre build out)/ >$hourly + mileage billings/ retainer refreshed when used up.
3. ‘Bigger Plan’ – again, a Facilitator Assistant for a more global approach – perhaps many sub-tasks & providers. ~ Retainer equals your overall plan budget. You’re still/ always/ responsible for the process(es) to accomplish your overall plan. >As a % of your anticipated project total outlay, the > of $500 or 10% of budgeted $’s is our min. retainer / >$hourly + mileage billings/ retainer refreshed when used up.
4. Customer Control: ~ Our in-house assigned Concierge does NOT provide contracting services, insurance, tax reporting, or compliance. The customer must give explicit clear details & memorialize them – spoken/ phone calls/ texts & personal emails are not recognized by us. Get acknowledgements in writing!
‘No-Cost’:
- You, our client, can automatically get this service package perk with your *retainer & agreement as your provider of buy/ sell/ or relocation brokerage. .
- We set aside a percentage of our brokerage servicing fee, out of our pocket, for your personal assistant(s).
- On your client portal, YourSpace24/7, you have a dashboard to keep track of credits available and credits used, much like say a Speedy Rewards or Frequent Flyer Perks, etc.
- Its pay-as-you-go above rebates offered, BUT any upfront as a retainer can be rebated back to you at closing. Maximum possible rebates? Higher levels are extended to poverty level elders with limited assets, otherwise, to our ‘recommended’ realty servicing agreement we can add a rider for:
  - Transactions 200k+ We’ll rebate lesser of retainer or 5% of our brokerage fee.
  - 500k+ We’ll rebate lesser of actual or 10% of our brokerage fee.
  - $1m …. 25%.
- Request a ‘Concierge Rider’, then the concierge providers retainer you present us with – min $500 + your rebate for services used up to the less of the % noted above or your retainer = applied to closing. The net affect at closing settlement is you get personal services at ‘No-Cost’.
  - (the “Rider” retainer is separate from agent/ broker servicing agreement & retainer)

~ I so oft see real estate agents promoting “the ___ ___ ‘team’ or ‘our team’ “.

I realized, the ‘listing specialist’, ‘marketing specialist’, ‘closing specialist’, etc, are all handlers for the office/ agent/ broker aspect. >> Light bulb: what about the client? How about a ‘specialist’ for them and them alone? YES! That’s us.

__ These are ‘transaction/ transitions concierge’ providers. __ A helper providing professionalism, empathy, assisting you through a traumatic time of life – the transactions of real estate!

__ I’m excited to offer this assistance during the time of your ‘transaction/ transitions’ brokerage. ‘They’ don’t talk ‘house/ real estate/ marketing/ title/ mortgage’ ….NO…they are the ‘who might know how to help’, kind-of-a-friend, to and for the client when feeling overloaded. ~ Some concierge(s) also provide ‘tickler checklists’, not an overwhelming printout, but perhaps touching base as the transaction unfolds.

real estate agent broker screening referral advocacy paul anibal seniors and veterans specialist__michigan_to_florida_california-to-maine

I’d like more info per name and contact information provided below ….

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* Concierges available w/ min. $250k transactions of a 1st, 2nd residence or trust/ estate liquidation. Level 1 ‘base’ available w/ up-front brokerage agreement & retainer, level 2 ‘premium’ also requires pay-as-we-go additions to retainer. Request details.

Please seek you own professional legal, tax, real estate, and insurance advice – not to the reliance of this article.

Office:

Elder & Concierge services – Michigan & Florida – moving buy sell relocation transitions Fenton Linden Holly Byron Hartland Michigan

~ Lake Shannon Lakefront, by 2nd generation broker & longest lakefront resident

April 29, 2024

Get started with waterfront concierge services: Request information / contact us.

I’d like more info per name and contact information provided below ….

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Office:

Waterfront Michigan Florida moving buy sell relocation transitions Fenton Linden Holly Byron Hartland Michigan

Michigan Principal Residence Exemption_update for Vets

November 13, 2023

2023.11.13 update to MI law for vets:

Here are some of the changes: real estate agent broker screening referral advocacy paul anibal seniors and veterans specialist__michigan_to_florida_california-to-maine

Widowed un-remarried spouses of 100% disabled veterans (who were previously eligible prior to their passing) are now eligible for the property tax exemption even after their spouse passes. Additionally, the exemption continues to a new residence if the widow moves.
The exemption is now “One and Done,” meaning that eligible 100% disabled veterans no longer need apply annually.
Local assessors must audit claims for those who aren’t using a home as their primary residence via a pro-rated tax system for properties that are only occupied part of the year.

A significant part of any move, relocation, addition of 2nd home, or estate plan involves taxes; income taxes & property taxes for starters. Hence, below is a primer how to not accidentally double your property tax bill, or conversely, overpay if not need be.

Definitions:

Principle residence: Plan to return after ‘short absences’. Assessor will look at: min 6 AnibalGroupLLC_RealtyNetWorth_ 10-24-2018 7-54-05 PM months per yr occupancy, mail, driver license, voting registration, utility usage consistent.

Entities:

Trust will allow PRE to the grantor in most situations. Does not apply to family LLC’s or other entites. A residence that has been transferred into a Limited Liability Company, a Partnership, or some other legal entity will cease to be qualified for the principal residence exemption.

Deadlines:

May 1 for summer tax bill, Nov 1 for winter tax bill.

Scenario #1: 2 principle residences

Both are claimed as principle – one owner/person
- Best to rescind one no matter if it is across town, across the state, or across the country.
Both are claimed as principle – two owners/persons
- What address and filing status (‘joint’ or ‘separate’) do they file on 1040?
- Can you demonstrate per ‘principle residence’ definition above that it is indeed your princ. res.?
- From linked article below: ‘…What if you are husband and wife? State and Federal laws are nothing if not unclear about this distinction. The general approach is that we treat married couples as a single unit. However, … for purposes of the principal residence exemption, if a husband and wife file a joint (MFJ) income tax return, they are entitled to one exemption for their “marital unit.” However, if they file separately (MFS), they may each claim an exemption. Beware, however, that they will still have to demonstrate the “intent” reality discussed above. In most cases, unless the parties are separated, that will be pretty difficult to do….’

Scenario #2: Short term renting our residence

Even though ‘guidelines’ suggest if a property is rented > 14 days per year it is not a ‘principle’ residence, this is inconsistent with recent court rulings and the source law:

‘… Concerned about losing your homestead exemption because you have been renting your home for more than 14 days per year? Fear not, as the Michigan Court of Appeals recently ruled in the taxpayer’s favor on this issue. Michigan’s Principal Residence …’
Per statue: ‘ … the MCA ruled “the PRE guideline provision relied on relied on by the Tribunal is erroneous and inconsistent with the GPTA (Michigan General Property Tax Act – added). Renting one’s home for more than 14 days does not disqualify a homeowner from the PRE.” …’

Scenario #3: Current house for sale, new house already purchased.

State of MI realized homes are not always bought/sold simultaneously. Further, during ‘down’ markets – or slow times of the year – homeowners may wish to time the sales process of the old home. Hence, you may have an ‘on-market’ home still receiving a PRE for up to 3 yrs.

Forms:

Links for further reading:

The State of MI ‘guidelines’ (note, not law) – Principal Residence Exemption (PRE) Guidelines
- How ‘guidelines’ are not law – (e.g. Short term rental of home) – http://www.fraserlawfirm.com/blog/2017/12/michigans-principal-residence-exemption-and-short-term-rentals/
http://michiganestateplanning.blogspot.com/2012/05/michigan-property-tax-personal.html
Estate planning – http://michiganestateplanning.blogspot.com/2018/01/do-tod-and-pod-designations-really-work.html
How to survive a PRE challenge – https://www.mlive.com/business/west-michigan/index.ssf/2015/05/lake_michigan_home_owner_wins.html

Please seek you own professional legal, tax, real estate, and insurance advice – not to the reliance of this article.

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326 N Hazelton St, Flushing, MI 48433, Flushing Schools, completely upgraded & move in condition 2-3 Bd/2 Bth/4 car w/ full bsmt all under $165k !

December 14, 2022

SOLD.

Amazingly Clean & ‘ Move-In Ready’ ~ It’s all been done! That’s right! Walk a couple blocks to downtown Flushing and all it has to offer. Across from the Early Learning Center, this short one-way street might be the quietest in town! The definition of clean, most everything new or upgraded since 2014: roof, windows, doors, HVAC, on demand water heater, 2 mini-splits for heat/ac zone use, tile baths, etc. Nothing to clean/ nothing to upgrade ~ its all done!

~ Lot’s of info at: http://326Hazelton.com

Request a showing here as my buyers get our ‘Stress Reduction Pack’, up to a *$1000 value!
- For my buyers, *choose: home warranty, 1 year ‘mow n snow’ & 1040 income tax service!
Exterior. ~ Entry Level.~ Lower Level.

Highest service, Quickest sale with the Best marketing of any office!

Our YOUTUBE Channel

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* Anibal Group LLC does not offer legal advice. This article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.

13213 Golden Ct, Fenton MI 48430, Lake Fenton Schools, Best maintained home in the area 3/2/2 full bsmt all under $250k !

August 31, 2021

We did 431 things to market this property….properly! Thinking of selling? Like to see the list? ~ More Eyes/ More Time/ Best Outcome – very very different approach from ‘pics, sign n MLS’ others use.

Coming Soon, Open Sat 9/4 2-5pm ~ info at: http://13213Golden.com

Request a showing here as my buyers get our ‘Stress Reduction Pack’, up to a $1000 value!
Including current year ‘mow n snow’ & 1040 income tax service!
Exterior. ~ Entry Level.~ Lower Level.

Highest service, Quickest sale with the Best marketing of any office!

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SOLD: 129 N Corbin, Holly Schools, Holly MI Move-in condition 3/1/full bsmt under $165k !

August 31, 2021

Our ‘INDEPENDENCE DAY FINALE‘ explosion of up-front marketing created an acceptable offer with-in the first 3 hrs on the first day for $5k over ask. …… ‘take it from there‘ !

Coming Soon, 7/3, Open Sat 7/3 2-5pm ~ info at: http://129Corbin.com

My Client-buyers get our ‘Stress Reduction Pack’
up to a $999 value!
current year 1040 income tax service – no charge!
– PLUS yard care services for the rest of the season included FREE

Highest service, Quickest sale with the Best marketing of any office!

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ON MARKET: 129 N Corbin, Holly Schools, Holly MI Move-in condition 3/1/full bsmt under $165k !

June 25, 2021

Coming Soon, 7/3, Open Sat 7/3 2-5pm ~ info at: http://129Corbin.com

My Client-buyers get our ‘Stress Reduction Pack’
up to a $999 value!
current year 1040 income tax service – no charge!
– PLUS yard care services for the rest of the season included FREE

Your message has been sent

Series: ‘MORE TOOLS’ ~ More Michigan MLS areas added

August 13, 2020

SERIES: The ‘Portfolio Approach’ includes access to more tools. You make the decisions, so my job is to give you more information, quicker access, easier to digest, of higher quality.

I now offer additional MLS data exchange areas for your relocations and investing with in Michigan, aka: AllOverMichigan.com

“I’m the only one that offers what I offer, Paul A., Portfolio Brokerage Officer”

Our newest data sharing access is with with MichRIC^® – The Michigan Regional Information Center, LLC.:

Battle Creek Area Association of REALTORS^®
Branch County Association of REALTORS^®
Greater Regional Alliance of REALTORS^®
Greater Kalamazoo Association of REALTORS^®
Hillsdale County Board of REALTORS^®
Mason, Oceana, Manistee Board of REALTORS^®
Montcalm County Association of REALTORS^®
Southwest Michigan Association of REALTORS^®
St. Joseph County Association of REALTORS^®
West Central Michigan Association of REALTORS^®
West Michigan Lakeshore Association of REALTORS^®

Your MLS search apps I set up for you are ‘live’… I can create a customized search for you … I’m ‘on duty’, ask anything anytime.

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In related SERIES posts: Your‘frequently used tools’.

Tools have been created to help assist if you have, had, or are considering any of the AnibalGroupLLC_RealtyNetWorth_tax-savings-with-buy-sell-brokerage below:

… income property? … a small bus. or 1099?
… an entity such as S-Corp, LLC, or Pship? … home office … housing for student/ child? … housing for parent? … vacation/ seasonal ?… relocation for work?

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Series: ‘MORE TOOLS’ ~ Property Search Apps ~ ‘How It Works’

August 11, 2020

SERIES: The ‘Portfolio Approach’ includes access to more tools. You make the decisions, so my job is to give you more information, quicker access, easier to digest, of higher quality.

YourSearch247 search apps best the ‘magazine sites’ with No Ads, No Clutter, Extreme Customization, Ability to Save/ Sort/ Delete properties of interest, No Tracking, & Real-Time ASAP listings without the ‘syndication’ delays of magazine sites.

“I’m the only one that offers what I offer, Paul A., Portfolio Brokerage Officer”

1. Launch from YourSpace247, or our website either by clicking on the blue link, or right click and ‘open in new tab’.

Anibal.Group.Realty.Net.Worth_New.Search.Apps

2. Choose your view/ layout preference.

- Customized styles:
- Gallery style:
- Map style:
Enjoy !

Remember: these are ‘live’… I can create a customized search for you…I’m ‘on duty’, ask anything anytime.

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In related SERIES posts: Your‘frequently used tools’. Go here https://realtynetworth.com/2019/03/01/series-more-tools-home-economics-budget-mortgage-income-taxes/ to see:

Paul Anibal Group Realty Net Worth_real estate investing spreadsheets-1

Tools that have been created to help assist if you have, had, or are considering any of the below:

… income property? … a small bus. or 1099?
… an entity such as S-Corp, LLC, or Pship? … home office … housing for student/ child? … housing for parent? … vacation/ seasonal ?… relocation for work?

Protected: SERIES: Your net worth strategy ~ ‘Should I buy stocks?’

August 10, 2020

Series: RELOCATION. Areas I cover

August 6, 2020

Though you get more within them, even outside of the highlighted areas I offer an extended list of services to you that you will NOT get from the magazine sites, talk show hosts, or your local franchise to franchise brokerage referral. NEVER think that I pass along a name and number looking for a kickback. NO!

AllOverUSA__Michigan_to_Florida_Califonia_to_Maine__Anibal.Group.RealtyNetWorth

> INSIDE THE HIGHLIGHTED AREAS: Our ‘MLS listing share’ agreement gives you access to:

Zoom/ Google virtual meetings where you can dig thru all sorts of critical date, such as…
on-market listings ~ with far more in-depth ‘back end’ information than what the ‘magazine sites’ give you.
deeper local to your area(s) of interest data reports for you make a better informed choice. eg:
1. ‘solds’
2. demographics
3. foreclosures &/or pending foreclosures
if you can think of it, I can probably provide it.

> All of this ‘on-demand’ information is available AT NO EXTRA FEES OR COSTS’

> OUTSIDE OF THE HIGHLIGHTED AREAS:

You receive a servicing package that is unlike & far above all other ‘referral’ services.
No-cost.
Money back.
See the full list.

Your detailed interests. Only complete what applies. I’ll provide a list of agents/ brokers & their attributes. You ultimately pick one that match your preferences. Direct link to the below form to shore with a co-decision maker.

I’ll start screening your prospects & You’ll have access 24/7 to the process unfolding as I interact, screen, evaluate, & correspond with them. YOU ultimately choose. This can include my anonymously screening your pre-selected potentials you’d like included against others in the area.

anibal-group-llc-realtynetworth-all-over-usa_referral-screening-process-roster-overview

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Where I can I can I find a real estate agent to sell my vacation house? I answered this question under the name of my ‘scribe’/ assistant on Quora:

Hi there,

I developed my referral screening service (yrs ago) to answer this question.

I’m a broker, but I use this method to find an agent when I sell my own properties. Representing self has pitfalls & IMO won’t yield the best ROI for you. AnibalGroupLLC_RealtyNetWorth_ 10-24-2018 7-54-05 PM

What I don’t recommend:

some ‘team’ agents – they may state they have X number of transactions, but that is for the team, not one agent. You will probably deal with different persons at each step, may be fine but not personal or optimal – just my opinion.
in-house referrals from a franchise – conflict of interest.
magazine sites, eg: Realtor/Zillow/Trulia etc or others that offer referrals with computer algorithms, not personal interaction, little to no client-specific assistance. Further, these referral companies take a large fee from agents and give agents virtually nothing for it. You’ll likely get a reduced level of excitement or care from your ‘reduced fee’ agent.
‘finance gurus’ that offer ‘screened local professionals’ – I tried to sign up as one but when they asked ‘have you taken any of our (paid for) local training classes?’ I felt they were indirectly charging me just to sign up, then again after the sales – conflict of interest.

Hence, what I provide:

Screening by an actual experienced real estate broker – me.
I create a private client portal where we share communications/ work spaces/ docs, etc in realtime – 24/7.
Starting with standardized QnA feedback from you so I’ll know more about you, your needs, your strengths/ weaknesses – sellers eg: your time frame, special needs, etc ~ buyer eg: you can/can’t fix property, funds available or pre-approved, preferred amenities, etc.
Then I look for ‘best fit’ agents/ brokers.
- I create an outline GoogleDoc area where you can follow along.
- I create a ‘long list’ so you know everyone I looked at, criteria I used, and the pluses and minuses of each agent/broker – its your ultimate decision after all !
- I personally contact the ‘short list’. I provide them w/ only general info about you, nothing private.
- I provide you details of such things as response time/ their professional credentials/ links to their online presence/ contact info.
- I share w/you the exact response I get from each screened potential agent/broker.
- Above a certain level of transaction, I travel to meet buyer/ seller & prospective agents in person! (eg: insert is Rhode Island trip)
- Once you select a potential agent/ broker you’d like to work with, I provide them a very detailed ‘ buyer (seller) dossier ‘. They will know a lot about you with an information packet so they can hit the ground running. Agents love when I give them this. I’ve done much of the hard work agents do out of the gate at the start of client interaction. They are happy to pay a percent of their fee to me for this.
I’m available as a professional for QnA. Many times you’d like to have an on-call pro that you can get a 2nd opinion from, no cost, anytime. That’s me. The agent knows there is extra accountability. They tend to exercise a higher level of care and professionalism with your case.
I use apps. Tech is not a problem, I encourage you to use it. I expect the referrals I provide will have an excellent variety of tech skills.
I support charities 🙂
Here’s the best part: I actually PAY YOU a rebate for this service. You get the screened professionals list – the agent gets a client already prepped for the journey – and you get $$’s from me.

Anibal Group LLC ~ AllOverUSA.com

LOTS of apps we can use or not as you are comfortable with: pdf creators, smartphone doc scanning, google docs, Skype/ Line, TeamViewer, etc.

More info: Buying

Ready to “get going” & view some homes! Take my Buyer Interests Survey now!

- Share Wish List <|> Meet & Discuss <|> Share Your Vision <|> Run Property Search

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Series: DISTANT BUYING. Covid Practices

July 22, 2020

Coronavirus may be with us for a while. Many of our practices predate the Covid outbreak & the industry has added to these. Anibal-Affiliates-RealtyNetWorth-Senior_Services_mom-dad-time-to-sell

‘STAY OUT OF MY HOUSE UNLESS I GIVE YOU PERMISSION’ – Yes sellers, you can do this!

Here are recent tools and trends:

Many if not most home tours currently are excluding ‘tire kickers’. Most “agent remarks” in the MLS now require buyers have &/or submit:
- pre-approval (proof of ability to purchase) to set a viewing appointment.
- submit a Covid disclosure w/ proof of funds prior to confirming appointment.
- bring no more than 1 agent and 2 attendees into the home.
- touch nothing upon entry/ tour/ exit
- have mask over nose & mouth during tour, gloves & shoe/foot coverings.
- open nothing, switch on/off nothing
- have inspector &/or later ‘touch’ inspection after acceptance of offer
- inspections that typically have only the inspector and a videographer present for such, not ‘anyone and everyone’ as in the past.
- buyer home tour waivers that require those viewing home attest they have “…during the last 14 days, [not] … been exposed to, diagnosed with or quarantined as a result of COVID-19 or have experienced a fever, cough, shortness of breath … [or other such symptoms] “
Offer packets will acknowledge Covid with realistic contingencies
For Buyers:
For Sellers:
- Seller Listing Agreement Addendum regarding showings

We still use these “Virtual” tours, distant purchasing, pre-screened services as we have for over a decade:

We create a private YourSpace247 portal – similar to banks, only better.
Post/ email on-market & sold comps for you.
Offer ‘we drive & video the area, you watch’.
For sellers, we offer ‘walk thru buyer tours’, for buyers as well if available and appropriate.

Especially of use for our of town buyer and sellers:

With comps we post many photos & videos as needed to discuss with you.
Live spreadsheets.
Walk thru tours with your inspector, licensed contractor, etc, with QnA during the walk about, encouraging your input.
Documents live to your portal (and/or email) for your evaluation/ sign/ return, etc.
All these types of processes are in place, thru and including closing.

An example of how this actually worked? We had a buyer from CA purchase a lakefront home here in SE MI without stepping foot in or having driven by the property.

SAMPLE WALK THRU:

example is from a home we sold.

LOTS of apps we can use or not as you are comfortable with: pdf creators, smartphone doc scanning, google docs, Skype/ Line, TeamViewer, Zoom, Google meeting, etc.

More info: Docs and FAQs | Buying

Ready to “get going” & view some homes! Take my Buyer Interests Survey now!

- Share Wish List <|> Meet & Discuss <|> Share Your Vision <|> Run Property Search

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Protected: Series: DISTANT BUYING. Covid FAQ’s & Documents – Request password if you’ve completed Vision or Interest Survey.

July 22, 2020

Series: RELOCATION. A quick outline of what I provide

March 17, 2020

How can I find a real estate agent to sell my vacation house? I answered this question under the name of my ‘scribe’/ assistant on Quora.

I developed my referral screening service (yrs ago) to answer this question.

What I don’t recommend:

some ‘team’ agents – they may state they have X number of transactions, but that is for the team, not one agent. You will probably deal with different persons at each step, may be fine but not personal or optimal – just my opinion.
in-house referrals from a franchise – conflict of interest.
magazine sites, eg: Realtor/Zillow/Trulia etc or others that offer referrals with computer algorithms, not personal interaction, little to no client-specific assistance. Further, these referral companies take a large fee from agents and give agents virtually nothing for it. You’ll likely get a reduced level of excitement or care from your ‘reduced fee’ agent.
‘finance gurus’ that offer ‘screened local professionals’ – I tried to sign up as one but when they asked ‘have you taken any of our (paid for) local training classes?’ I felt they were indirectly charging me just to sign up, then again after the sales – conflict of interest.

Hence, what I provide:

Screening by an actual experienced real estate broker – me.
I create a private client portal where we share communications/ work spaces/ docs, etc in realtime – 24/7.
Starting with standardized QnA feedback from you so I’ll know more about you, your needs, your strengths/ weaknesses – sellers eg: your time frame, special needs, etc ~ buyer eg: you can/can’t fix property, funds available or pre-approved, preferred amenities, etc.
Then I look for ‘best fit’ agents/ brokers.
- I create an outline GoogleDoc area where you can follow along.
- I create a ‘long list’ so you know everyone I looked at, criteria I used, and the pluses and minuses of each agent/broker – its your ultimate decision after all !
- I personally contact the ‘short list’. I provide them w/ only general info about you, nothing private.
- I provide you details of such things as response time/ their professional credentials/ links to their online presence/ contact info.
- I share w/you the exact response I get from each screened potential agent/broker.
- Above a certain level of transaction, I travel to meet buyer/ seller & prospective agents in person! (eg: insert is Rhode Island trip)
- Once you select a potential agent/ broker you’d like to work with, I provide them a very detailed ‘ buyer (seller) dossier ‘. They will know a lot about you with an information packet so they can hit the ground running. Agents love when I give them this. I’ve done much of the hard work agents do out of the gate at the start of client interaction. They are happy to pay a percent of their fee to me for this.
I’m available as a professional for QnA. Many times you’d like to have an on-call pro that you can get a 2nd opinion from, no cost, anytime. That’s me. The agent knows there is extra accountability. They tend to exercise a higher level of care and professionalism with your case.
I use apps. Tech is not a problem, I encourage you to use it. I expect the referrals I provide will have an excellent variety of tech skills.
I support charities 🙂
Here’s the best part: I actually PAY YOU a rebate for this service. You get the screened professionals list – the agent gets a client already prepped for the journey – and you get $$’s from me.

Anibal Group LLC ~ AllOverUSA.com

LOTS of apps we can use or not as you are comfortable with: pdf creators, smartphone doc scanning, google docs, Skype/ Line, TeamViewer, etc.

More info: Buying

Ready to “get going” & view some homes! Take my Buyer Interests Survey now!

- Share Wish List <|> Meet & Discuss <|> Share Your Vision <|> Run Property Search

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Your message has been sent

Series: DISTANT BUYING. How to buy without leaving home!

March 16, 2020

“Virtual” tours, distant purchasing, pre-screened buying. Call it what you will. We’ve offered this service for over a decade.

Although we offer near countless tools for the process, here are a few highlights.

We create a private YourSpace247 portal – similar to banks, only better.
We post possible on-market matches for you.
We drive the area, you watch.
We do a walk thru, you watch.
Interested? We post comparable solds to help you evaluate. We post many photos to discuss with you. We post other useful live spreadsheets….. it continues…..
We do a walk thru with your inspector & a licensed contractor, we interview them during the walk about, encouraging your input.
We upload documents for your evaluation/ sign/ return, etc.
All these types of processes are in place, thru and including closing.

An example of how this actually worked? We had a buyer from CA purchase a lakefront home here in SE MI without stepping foot in the property.

SAMPLE WALK THRU:

example is from a home we sold – over ask – in under 2 weeks.

LOTS of apps we can use or not as you are comfortable with: pdf creators, smartphone doc scanning, google docs, Skype/ Line, TeamViewer, etc.

More info: Buying

Ready to “get going” & view some homes! Take my Buyer Interests Survey now!

- Share Wish List <|> Meet & Discuss <|> Share Your Vision <|> Run Property Search

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Series: More Tools – STAY HOME ~ Tax Prep remote from vacation home, cabin, mission field, or ?

March 7, 2020

TAX TIME ~ Stay Home! We provide ‘remote’ aka: ‘virtual’ appointments ~ have for years! Clients? they may be across town, out-state, or, yes really, on the other side of the world.

DO YOUR TAXES NOW <

The benefits to you are obvious. The tools we provide are ‘too many to list’. No matter what stage of the P/D/E carousel you are in, we make it easy. Easy. Easy. Easy. Anibal Group LLC RealtyNetWorth.com is open247

Plan ~ YourVISION
Develop ~ NetWorthBasics.com
Execute ~ RealtyNetWorth.com

Calendar a ‘Virtual’ Appt / Rates / Get a ‘YourSpace’

Below is how we differ from your ‘Annual Net Worth Review’ person.

TOOL: You have a ‘portal’: aka: ‘YourSpace24/7’ – just post-in pdf’s of your docs, populate spreadsheets we’ve already built for you. After your work is completed, we post it there – really easy! We can chat further by phone as I work on your file real-time, you follow along from your e-device as desired. Or just submit tax items and its complete before you know it.

TOOL: The YourVISION tool helps you think about your bigger picture AND share it, so we serve you better. CL_ad_mug

TOOL: ARTICLES. see links.

TOOL#3 YourNOTEBOOK,

is an evolving tool produced from your feedback. We jointly track year to year info Having ‘factors’ in one location (a spreadsheet & YourSpace portal), and knowing YourVISION, we work as a team for your bottom line.

What we build as a team? Far beyond real estate brokerage & tax preparation:

– Look back access to tax returns/ tax planning for future years.
– Home economics files. – Estate planning. – Financial planning.
– Summarize voluminous documents. – Information for net worth.
– Information for loan application. – Eldercare, estate, will & trust planning.

Series: ‘MORE TOOLS’ ~ Home economics, budget, mortgage, income taxes
More.
Related to: Sell | Buy | Florida

YourMapSearch | YourDetailedSearch | Meet | Your Wish List

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* The above is for informational purposes only. Anibal Group LLC is not offering professional advice & this article is not to be considered advice specific to your situation. Your decisions should involve professionals of your choice re: insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals.

MLS Data Sharing – List of MLS’s we tie into – locally & nationally!

February 29, 2020

Selling real estate at the local level is a long gone thing of the past. People transfer from AnibalGroupLLC_RealtyNetWorth_tax-savings-with-buy-sell-brokerage out of area, out of state, and even from out of the country. Further, electronic access to properties has made it easier to expose your listed home to millions of interested buyers.

Not only are sellers able to get more exposure, I assist folks hands on during the buy/ relocate/ investing side literally nationwide. No MLS service in Michigan provides more data than the service we use. Here’s a partial list of markets we access directly:

In Michigan:
- Ann Arbor Area Board of REALTORS®
  Branch County Association of REALTORS®
  East Central (aka: Flint) Association of REALTORS®
  Great Lakes Repository (GLR)
  Greater Lansing Association of REALTORS®
  Hillsdale County Association of REALTORS®
  Jackson Area Association of REALTORS®
  Lenawee County Association of REALTORS®
  MiRealSource
  Montcalm County Association of REALTORS®
  Saginaw Board of REALTORS®
  Shiawassee Association of REALTORS®
  Southeastern Border Association of REALTORS® (fka: Down River and Monroe Associations)
Florida:
- REALTORS^® Association of Citrus County (Florida)
- Daytona Beach Area Association of REALTORS^® (Florida)
- Stellar MLS (formerly My Florida Regional MLS)
- New Smyrna Beach Board of REALTORS^® (Florida)
- Miami Association of REALTORS^® (Florida)
- South Broward Board of REALTORS (Florida)
Nationally:
- Baldwin County Association of REALTORS^® (Alabama Gulf Coast)
- Greater El Paso Association of REALTORS^® (Texas)
- Greater Las Vegas Association of REALTORS^® (Nevada)
- Houston Association of REALTORS^® (Texas)
- Ocean County Board of REALTORS^®, Inc. (Jersey Shore, NJ)
- MLSOK, Inc. (Oklahoma City, OK)
- Midwest Real Estate Data LLC (Chicago, IL)
- Northwest Arkansas Board of REALTORS^® (Fayetteville-Springdale-Rogers, Arkansas)
- Northwest Mississippi Association of REALTORS^®
- Western New York Real Estate Information Service, NY
- SMART (Statewide MLS in Connecticut)
- West Penn Multi-List
- Western Arizona REALTORS^® Data Exchange

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VantageScore vs TransUnion, Equifax, and Experian models

September 30, 2019

Under the old model, most mortgage lenders use FICO credit scores because Fannie Mae and Freddie Mac require it. With this, the three major credit bureaus—TransUnion, Equifax, and Experian — your FICO score came from:

Payment history—35% recent history weighted a bit more heavily than the distant past.
Debt utilization—30% amount of debt outstanding as a percentage of the total.
Credit history—15% how long the borrower has been a ‘good’ credit user.
Recent credit searches—10%
Types of credit—10% i.e. ‘mix’

VantageScore is the main source for approving credit cards.
VantageScore uses trended data.

PLUS: Trended data gives a higher score when paying down debt vs minimum payment each month &/or debt increasing.
MINUS: Traditional high score borrowers often carry several cards with high limits, resulting in lower scores under the new system, because of potential to run up credit card debt quickly.

Anibal-Group-LLC-RealtyNetWorth-consulting-with-retiree-retired-person

~ today’s tip from your NetWorth Portfolio Broker ~

CREDIT SCORES: Not only affect your ability to GET a mortgage, it affects: all loan rates/ cost of and ability to get insurance/ job applications. I’ve seen folks pay a 10 fold+ increase on their insurance policies just by ‘letting it go back to the bank’ (and yes, bank can come after you years later)

General: SEARCHES Map| Detailed | Lake

ON DUTY / ASK ME ANYTHING

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Series: SELLING – how much exposure should I be getting?

July 12, 2019

Insertion in the MLS can be good, but how its done can either work for your or against. capture[1] An optimal outcome is the goal, not plug n play all of your information to the magazine sites to do with as they will. I work for your best interest, NOT theirs.

Many offer simply the relatively passive marketing approach of using MLS like a ‘shotgun’, blast everything you have all at once and see if you hit a target. I see MLS as a tool, used as a stepping stone en-route to bringing interest directed at your and only your property, else we may be missing opportunities. How do I do this? I’m glad to show you my approach. Supporting roles by the following create a ‘reverse shotgun approach’ if you will, of all marketing pieces directing interest at, and only at, your property.

Dedicated social media page,
posting of ads,
mailings to your neighborhood and my client list,
dedicated URL page just for your property and yours alone,
YouTube,
These and other tools used correctly and at the right time have produced the type of results seen in this one example listing. Below is a glimpse of the URL page and what example days of syndication look like using a ‘formula’ to drive traffic. My approach you might call a ‘controlled exposure’.

Anibal-Group-LLC-Realty-Net-Worth_Lakefront-property-marketing-exposure-d

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Anibal-Group-LLC-Realty-Net-Worth_Lakefront-property-marketing-exposure

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Conclusion: Often our listings have up to 3x the views per day as competing listings.

Anibal-Group-LLC-RealtyNetWorth-sold-rider-sign

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General: SEARCHES Map| Detailed | Lake

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SERIES: Home Care ~ Rough Estimating Remodel

July 6, 2019

For home improvement, care, and maintenance tips, follow this series. We’ve ‘been there, done that’.

SERIES: Your net worth strategy includes caring for your home. This pays dividends when you sell, not just now. The ‘Portfolio Approach’ has never made more sense than now.

This link https://www.remodelingcalculator.org/ has 2 perks:

‘Estimate Cost’ – my favorite click on
‘Get Local Prices’ – to input zip code and then get a proposals

As you can see, you can input from the options and get rough estimates. I’d try this even if I was (and am) a DIYer, so as to not go into a project to naive!

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* This article is NOT an offer of legal or contractor advice by Anibal Group LLC. Article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.