Christmas Shopping At The Tryon Antique Mall

      Christmas will be here in no time.  You don't need to go to Target or Wal Mart or Sears or Macy's.  This year, put a little creativity in the nativity.  You can go to Bass Pro Shop and buy your husband a new pocket knife.  You can go to the Tryon Antique Mall and buy him an antique pocket knife that was made in the U.S.A.  You could buy him a gun cabinet or a gun rack at the Tryon Antique Mall.  The price would be a third of the price at Cabella's.

     At the Tryon Antique Mall, we have a plethora of musical instruments.  We have vintage guitars and bass guitars and horns and drums and trombones and cellos and other musical instruments.  You could start your own band at the Tryon Antique Mall.  You must have a relative that wants a xylophone under the tree.

In the box above the  map it tells you to ferry your car to Cuba

     Do you think Grandma might like a new rocking chair for Christmas?  We have a bunch from which to choose. Maybe Grandma would like a copy of Life magazine from the year that she turned 21.  We probably have, at least, one copy.  How many relatives do you have that own an antique car?  Maybe we have something to help them enjoy that antique car more, something like a drive in movie speaker or a road map of Florida from 1958 with a map of Cuba on the back.  We might even have an owner's manual for their 1969 Corvair.  We might even have a model car just like it.  If the antique car is a 1955 Ford Thunderbird, we do have a model car just like it.  Stop by the Tryon Antique Mall and look around.

Six 1955 Thunderbirds licensed by Ford Like new

     Chess, Checkers, Chinese Checkers, Trivial Pursuit, Monopoly or Candyland are just a few of the games we have available at bargain prices.  Stop in between now and Christmas.  The Tryon Antique mall is on U.S. Hiway 176 between Tryon, North Carolina and Landrum, South Carolina.  We are right at the state line.

     Are you going to eat Christmas dinner on those old ugly plates?  Wouldn't a set of antique fine china be a memorable gift for the Mrs.  She pretends that she doesn't care whether she is serving on Melmac or Noritake.  She does care.  Come in and buy her a set of China.  It doesn't cost $40 per plate like it does at Macy's.  Two hundred bucks will have your table looking as good as the Rockefeller's.  Maybe a set of matching antique flatware would be appreciated. You buy it for Christmas this year and the wife passes it on to the heirs.

Fine China is so inexpensive when you buy it at an antique shop 

     You know what is dull and boring?  Christmas presents in boring boxes are dull and boring.  Stop in at the Tryon Antique Mall and pick up a fun, interesting box to put your Christmas present in.  A small wooden box that was sold new at a tourist trap in 1953 that says "Great Smokey Mountains" would be a lot more fun on Christmas morning than that bland vanilla box from Sears.  We probably have a heap of interesting boxes at the Tryon Antique Mall for less than ten dollars.  Do you know what else you can buy at the Tryon Antique Mall for less than $10?  You can buy an old piggy bank.  What a great Christmas present that would make!

     Stop by the Tryon Antique mall on U.S.176 in Tryon, North Carolina.  Put a little bit of creativity with a little bit of $$$$.  Make Christmas morning memorable .  You can find that perfect gift without breaking the bank.      

When Buying A House In Hendersonville, Feel Free To Make An Offer

     A couple of months ago, I drove five hundred miles to look at antique motorcycle.  The price was right or I would have never left home.  When I got there, the bike was nice as pie.  I bought it for the asking price. 

It does not always happen that way.  Sometimes you go to a lot of inconvenience to look at a house for sale in Hendersonville, North Carolina.  You feel like the house is not worth the price that the seller is asking. 

My wife and I have a cliché that we use a lot.  When we drive  a long distance to look at something that is for sale, we say to each other," We have done the hard part.".  The hard part is traveling there to look at whatever is for sale. 

Ron Climer says when you have done the hard part, make an offer

If you have driven five hundred miles or five miles to Hendersonville, North Carolina and checked into a hotel and gone to look at a $200,000 house, if you don't like the price, make an offer.  If you don't like it for $200,000, would you like it for $160,000?  If the answer to that is yes, make an offer.  You have already done the hard part.  Your Realtor is not to busy to present your offer.  The listing agent is not too busy either. 
 
In Og Mandino's book,"The Greatest Salesman In the World", he tells us in one of the ancient scrolls that teach us to be better salesman a little bit about human nature by describing a man that will today not buy gold chariots for a penny will,tomorrow, exchange his house for a tree.  It is true.

You make that $160,000 offer.  Something has happen in the seller's life. that causes him to accept that offer.  You have done the hard part.  You have inconvenienced yourself to look at the property.  Make an offer.  All negotiation begins with an offer.  Do you want it at some price?  If so, tell your Realtor,"If we could get this for$160,000, we would buy it.".  What is the worst thing that could happen?  The seller says,"No" You have done the hard part.  Do the easy part.  Make an offer.

My wife is an antique dealer.  She spends a lot of time at yard sales and flea markets.  We were at a yard sale last July.  It was hot.  It was 2 P.M.  There was this beautiful rocking chair with no price.  It was well worth a hundred dollars.  Kathy asked the price.  The seller said,"Make me an offer.".  Kathy hates yard sales with no prices.  She replied,"$25" .  The seller went crazy.  He broke into a ranting tirade monologue about how tired he was dealing with yard sale varmints and how valuable that rocking chair was and the state of the national economy and how he was ready to throw everything into the street and set it on fire.  Kathy calmly replied,"Will you take the $25?'.  He said,"I will take $30.".  He helped me load it into the truck.  You have done the hard part.  Make an offer.

I am not sure why so many potential home buyers would rather spend their time looking for a seller that has priced his property right.  If everything else is OK but the price, make an offer. You have done the hard part.  

Often, the seller knows that his price is too high.  An equal amount of time, the seller does not know the price is too high.  Father Time will let him know.  If his property has been for sale for too long, he will sooner or later get the message.  Maybe his listing agent is not obnoxious enough to nudge him to lower the price.  You come along and offer $160,000 for his house with the $200,000 price tag.  He counter offers at $170,000.  You buy it.

Nobody else in Hendersonville, North Carolina knew that house could be bought for $170,000.  You have done the hard part.  Make an offer.  A reluctance to make an offer will inhibit your ability to find the home of your dreams in Hendersonville, North Carolina or anywhere else.  If everything else is right except the price, Make an offer.  

www.ronclimer.com        www.lakeadgerforsale.com     www.climerconsulting.com 

Hendersonville North Carolina Toastmasters Club

     Many people find themselves on a career path where the ability to speak to a group is an essential skill.  Even if your career path does not require you to speak in public, this skill can enhance any career.  Public speaking is is a fun and profitable skill to learn.

     This is what Toastmasters in Hendersonville, North Carolina is about.  Toastmasters is a club.  It is not a class that starts and ends.  It is a club that meets weekly.  It goes on for as long as you find it beneficial.  For me, that is over thirty years.  Four Seasons Toastmasters in Hendersonville, North Carolina meets every Wednesday morning at 8 A.M. We invite you to join us.  www.fourseasonstoastmasters.com .

     Toastmasters is not a service club.  It is a club to learn.  You will learn to speak better.  You will learn leadership skills.  People join Toastmasters for lots of reasons.  "It will look good on my resume", a young lady told her audience was the reason she joined Toastmasters many years ago.  It was obvious from the eloquent speech she had just delivered that she had gained a lot more benefit from Toastmasters than just a bullet point on a resume.  

Betty McCallister has used her Toastmaster skills to enhance her real estate career

     Once, we had a young man join our Toastmasters club.  He told us the reason he had sought us out and joined us was because he had attended his best friend's funeral.  He was asked to speak but he could not.  He was afraid to stand up in front of a group of his friends and express his feelings.  He joined Toastmasters to get over this fear.

     Then there is me.  I joined Toastmasters thirty years ago because I read in a book that joining Toastmasters would make me a better salesperson.  I had just started my real estate career and it made sense to me.  Today, I am certain that much of my income has come to me from what I learned at Toastmasters.  Maybe, I would have learned these things anyway.  I doubt it.

     People join Toastmasters for a dozen different reasons.  They all boil down to self improvement.  There is not much that affects your success more than who you associate with.  The one thing that all Toastmasters have in common is a desire to be better and teach others to be better.  You can't go wrong associating with people like that. 

     Join us at Toastmasters in Hendersonville, North Carolina at 8 A.M.on Wednesday.  I can promise you that you will meet some very nice people.  I can promise you that you will learn to be a better public speaker.  I can promise you that you will learn leadership skills that will enhance your career and put money in your pocket.  I can promise that it will be fun.  Join us on Wednesday morning at 8 o,clock.  Call me at 828 755 6996 if you need more details.

     If you are not near Hendersonville, you can still benefit from joining Toastmasters.  There is a Toastmaster club in most cities.  Go to the Toastmasters website at  www.toastmasters.org .  Toastmasters has been around since 1927. 

      

When Selling Real Estate in Carolina, Understand Due Diligence

     Almost all real estate contracts written by Realtors in North Carolina have a "due diligence" clause.  This is a clause that states that the buyer has a period of time (fill in the blank) to investigate the property and the transaction.  Then the buyer can decide IN THE BUYER'S SOLE DISCRETION, to proceed with or terminate the contract.

     The buyer pays a fee to the seller called the due diligence fee. This fee is paid to the seller at the time of acceptance of the offer.   How much?  If you are the potential buyer making an offer, a hundred bucks sounds good.  If you are the seller, that means that, if after fill in the blank days, the sellers get to keep the hundred bucks.  During the "due diligence" period, the buyer, IN THE BUYER'S SOLE DISCRETION, could back out on the transaction.

     Let's take a really close look at this.  You have your $300,000 house for sale.  You have a $200,000 mortgage at 5% interest.  Your taxes are $1500 per year.  Your insurance is $800 per year.  Your HOA dues are $600 per year.  Just to make sure the story is interesting, let's assume you have moved out and the house is vacant.  Every day that you own that house costs you money.

Ron Climer can be reached at 828 755 6996 in Hendersonville, N.C.

     How much does it cost you to own that house per day?  Your interest is $27 per day or $821 per month.  Your taxes are $4 per day or $123 per month. Your insurance is $2.20 per day or $65 per month.  Your HOA dues are $1.65 per day or $50 per month. 

     You receive an offer that is acceptable to you with a hundred dollar due diligence fee. If you accept the offer, you get to keep the hundred bucks no matter what.  The due diligence time is thirty days in this contract. The amount of time and the fee is negotiable between the buyer and the seller.  This is the deal we made in this example.  Twenty nine days later, IN THE BUYER'S SOLE DISCRETION, your buyer decides not to buy your house.

     Let's see.  Mr. Seller, You have paid 29 days interest ($783) while your house was not for sale.  You have paid taxes($116) while your house was not for sale.  You have paid insurance ($63) while your house is not for sale.  You have paid HOA dues($47) while your house was not for sale.  You have probably paid water and electricity while your house is not for sale.  It has cost you about $1250 to sit and wait for the. buyer to make a final decision.  Your Realtor has not advertised your house.  Your house has not been for sale in the MLS.  No one has shown your house. Now you are back to square one.   The good news is you get to keep the hundred dollar due diligence fee.    Your $1250 that you have paid on your not for sale house is wasted.  What is the solution?  Get a larger due diligence fee from your buyer.  The amount of the fee is negotiated between buyer and seller.  You can't be mad at the buyer for offering you a hundred dollars due diligence fee.  You can only be mad at yourself for not demanding enough due diligence fee to cover your cost of ownership while the buyer is having his inspections done and applying for a mortgage. In our example, that would be $1250.  If the buyers state that they only feel comfortable paying $500 due diligence fee, that is no problem.  We can shorten the due diligence time to ten days.  Get a due diligence fee that will cover your cost of ownership during the due diligence period.  All of these terms are negotiable before you sign the contract.  They are not negotiable after you sign the contract.  

     If the buyer backs out for any reason or no reason during the due diligence period , the North Carolina Association of Realtors contract says they get their escrow deposit back.  The deal is off.  If the buyer doesn't like the home inspection.  He doesn't get approved for his loan.  He loses his job or his company transfer him to Dallas.  His wife leaves him for a better looking guy.  No matter why the deal dies during the due diligence period, the buyer gets the escrow deposit back and the seller can keep the due diligence money.  If the due diligence money is a hundred bucks, the seller will be annoyed.  If the due diligence money is enough to cover the ownership costs, that will seem fair to most sellers. If the due diligence fee is $5000, the seller will be glad the buyer backed out.

     How do we determine the due diligence fee?  We determine it by negotiation between the buyer and the seller.  When the seller receives an offer with a hundred dollar due diligence fee, the seller just counter offers with a $1250 due diligence fee. If your listing agent tells you that is a bad idea, show him this article.

     Do not confuse the"due diligence" fee with the escrow money deposit. They are not the same thing.  The due diligence fee check is handed to the seller at acceptance of the contract.  That money belongs to the seller no matter what happens next.  If the deal closes or does not close, the seller keeps the due diligence money.

     The escrow deposit is another item.  The earnest money deposit is held by an escrow agent, the listing Realtor or an attorney.  The purpose of this money is for the buyer to let the seller know that he is earnest and sincere with this offer.  If the buyers do not get to closing for some reason that is not excused in the contract, the buyers forfeit that money to the seller.  If the due diligence period is ten days, after ten days, the sellers keep the due diligence money. Closing does not occur until thirty days after the due diligence period is over (in our example).  The buyers are bound to close.  If they do not, they forfeit their earnest money escrow deposit.   How much should the earnest money escrow deposit be? Who decides that?  It is decided by negotiation between buyer and seller.  The larger the earnest money escrow deposit, the fewer problems the seller will have .  Insist on a large deposit.

     Picture this.  The buyers have entered into a contract to buy the seller's house.  The buyer's have put up a $1250 due diligence fee and a one thousand dollar earnest money escrow deposit.  The due diligence period has come and gone.  The inspections have gone well and the buyers are approved for the loan.  One week before closing, the buyers find a house that they like muuuuuuch better.  They forfeit their earnest money  escrow deposit and go buy the other house.  If the sellers had insisted on a $25,000 escrow deposit, this would not have happen.  If it did, the sellers would not be too mad.  Get a large earnest money escrow deposit.

     As you read this article, you need to consider your position.  Are you a buyer or a seller?  As a buyer, a hundred dollar due diligence fee looks good with a $500 earnest money escrow deposit.  If you are a seller, you, at least, want the due diligence fee to cover your cost of ownership during the due diligence period just in case the buyer does not proceed with the transaction.  Understand this.  The due diligence fee does not cost the buyer anything if the deal closes.  When the transaction closes, the seller gives the due diligence fee back to the buyer as a credit on the closing statement. It only costs the buyer if the transaction doesn't close.  It is going to cost someone if the transaction does not close.  Likewise, the earnest money escrow deposit does not cost the buyer anything if the deal closes.  If the buyer backs out the day before closing just as the seller is closing the door to the moving van, the seller will be crying.  The seller needs to be certain that the escrow deposit is large enough to assuage the pain. In the listing agreement that most North Carolina  Realtors use, the contract states that, if the earnest money escrow deposit is forfeited, it will be split fifty fifty between the seller and the Realtor.  The real estate listing agent should be agreeing with the seller that a large deposit is a good thing.  

     If you have property for sale in western North Carolina near Hendersonville or Asheville or Tryon or Saluda or Columbus or Arden or Mill Spring or Lake Lure or Bat Cave, contact me.  I can help you with that.  If you are interested in relocating to the most wonderful place on earth, call me.  If a vacation house sounds appealing, contact me.   That is how we got here.  We bought a vacation house here in Tryon, North Carolina ten years ago.  Last year, we moved from Orlando, Florida into that vacation home.  Here is a video about the best kept secret in Carolina.  Check it out.  https://www.youtube.com/watch?v=8XzOw95TQ0E                   www.ronclimer.com        

You Can Learn To Tell A Joke

     Zig Ziglar says it doesn't matter if you use humor in your presentation unless you hope to be invited back to speak again.  I have just spent two days in a required continuing education class.  From nine to five for two days without a single joke from the instructor.

     If you are a speaker, trainer, instructor, teacher, you need to learn to tell a joke.  Why?  Humor recharges your audience's attention span.  No matter what subject you are teaching, your audience's attention span wears out.  If you will stick in a joke or humorous story about every hour, it gives the audience an opportunity to rest from absorbing your wisdom. Why would a speaker, trainer NOT learn to tell a joke?  Can there be any doubt that a humorous speaker is better than a humorless speaker?  Even at a funeral, a little humor relaxes the audience.

     I believe that the reason many speakers never learn to tell a joke is fear.  They are afraid that their joke will not be funny.  They believe that would be embarrassing.  There are some ways to diminish that fear.

     Here is a good way to tell a joke with no fear of embarrassment.  I learned this about  a year ago.  I was at a continuing education seminar presentation put on by the Department of Business and Professional Regulation in Florida.  The speaker was covering some very technical, very dull material.  He was a dull speaker.  He knew he was a dull speaker.  On his slide presentation, he had a bullet :  Insert joke here.  When he got to that bullet, he explained that his presentation lacked humor but he was not good at telling jokes so he had one minute movie.  He played it.  Spontaneous applause!  He had three one minute movies in his two hour presentation.  Every movie drew applause.

     Another way that you can assuage your fear that your joke will bomb is to credit it and telling it to someone else.  I once had a real estate instructor that worked for me.  Whenever she told a joke, she told the class that I required her to tell a joke every hour.  As time went by and she knew her joke would get a chuckle, she probably quit blaming me.  There is nothing wrong with blaming someone else that you have to tell this joke.

     Know this.  Your jokes don't have to be funny.  If you tell a joke and no one laughs, so what?  Many speakers, because they fear their joke will not be funny, don't tell jokes.  That is a bad solution.  A better solution is to practice telling a joke.  Maybe your first joke with your first audience is not funny.  Find another joke.  Tell a joke to three or four of your friends.  If they laugh, an audience of fifty will laugh.

     How can you get started?  Find a joke.  Tell that joke to an audience.  If you have a hard time remembering the joke, write it down and read it to the audience.  If it is a hit, tell it in your next class.  If it is a bomb, don't tell it in your next class.  This is a great test for jokes and stories.  If they are funny to one audience, they will be funny to another audience.

     Is there a best way to start a joke or funny story.  There is no perfect way.  Many speakers have a clue for the audience.  Zig Ziglar used to say,"There was this old boy down home that ....."  Whenever you heard that phrase, you knew there was funny story coming. You could create such a "trigger" phrase or you could sneak up on your audience  so they don;t realize there is a joke coming until  you are about halfway through the story.  I usually start my stories with,"I heard a story about a guy that..."

     Many speaking experts  advise us not to tell a joke in the first person.  It happen to me.  When, truthfully, it didn't happen to me.  It is an old joke that some members of your audience may have heard before.  Many experts believe that this brings your credibility into question. I personally disagree with that.  Sometimes the story is just funnier if you tell it as if it happen to you.    

     Which brings me to my next point.  Be careful who is "the idiot" in the joke.  If you are "the idiot", that can be funny.  If you are speaking to the Banker's Association, do not tell a joke where a banker is "the idiot". Never,never,never tell lawyer jokes.  They are not funny.  They are always offensive to someone in your audience.  This article is not a do and don't list but I just felt compelled to mention that.  http://activerain.com/blogsview/4313558/do-not-tell-lawyer-jokes

     Where can you find good jokes and stories?  Can you find them in old Reader's Digest , joke books, or best of all, ask your friends?  Tell your friends that you need a joke for a presentation that you are giving next week.  You are bound to hear a winner.

     Get over that fear of your joke not being funny.  It is not a matter of life and death if the joke is funny or not funny.  Your joke not being funny can be funny.  I once heard a speaker tell a joke.  No one laughed. He looked at his notes.  He stared blankly at the audience.  He said,"It says here in my notes, pause for laughter.".

     Relax a little.  Let your audience relax with you.  Tell your audience a joke or funny story.  If they laugh, use it in the next presentation.  Put a joke or two in your next presentation.  You and your audience will be glad you did.

      www.ronclimer.com                    

Your Choices Determine Your Destiny

     We all make choices constantly.  You choose what time you get out of bed.  You choose whether or not you will jog before breakfast.  You choose whether or not to call some prospects this morning.  You choose how you dress.  You choose who you eat lunch with and what you eat for lunch and whether or not you eat lunch.  You choose whether to listen to rock and roll on the radio or a podcast that will help you be more creative.  http://www.climerconsulting.com/deliberate-creative/    You choose whether to prepare for that sales presentation or just "shoot from the hip." You choose to spend less money than you make or to spend more money than you make.  You choose to create blogs and You Tube videos to enhance your on line reputation or you choose to let your online reputation take care of itself.  You choose who you marry.  You choose how you treat that spouse.  You choose what you teach your kids.  They will learn what you teach them.  You choose to set goals and achieve them or just let the chips fall where they may.  You choose to plan your life or just go with the flow.

     Every day is a choice.  It is your choice/  You can choose to believe that .  Choose success.  Know that you have a choice.  Choose wisely.    

Why Is It So Hard To Find Your Dream Home In Hendersonville?

     Many people complain that finding the perfect house is hard to do.  It should not be difficult.  It should be easy.  Just as you would not walk into a grocery store with no idea of what you want or how much money you have, you need the same approach with your house hunting efforts.    

     Answer all of own questions about mortgages and payments and down payments before you start to look.  You know how much money you have.  Ask an expert (mortgage officer or Realtor), if you can buy a house with that much money.  You know how much payment you can afford.  Ask your expert how to convert a payment to a purchase amount.  If you do not understand  income ratio, here is a link to video with an   explanation.  https://www.youtube.com/watch?v=Wy1Y7zDO3M4

     If you can afford a $300,000 house,why would you want to go look at $400,000 houses.  You wouldn't. You would want to look at $300,000 or less houses.  We all understand payments.  If you can afford to make a $700 monthly payment, at 4%, that is about  a $146,000 mortgage. If you can afford a $1000 per month payment, at 4%, that is about $209,000.  If you can afford a $1500 per month payment, that is about a $250,000 mortgage .

     The reason things get so complicated and difficult is that there is more to a mortgage payment than just the payment to the bank.  The payment to the bank is principal and interest.  We also have to pay taxes on the property and keep it insured.  Usually, the bank will insist that the borrower pay one twelfth of the taxes and one twelfth of the insurance to the bank as well.  We call this a PITI payment (principal, interest,taxes,insurance).

     It is not possible to know exactly how much are the taxes on the house that you are going to fall in love with.  Mr. Expert or Ms. Expert has to guesstimate that number.

     You talk to the expert and he tells you that you can afford a $300,000 mortgage.  You have $60,000 cash available for a down payment.  You can afford a $360,000 house.  You can buy a $300,000 house if you like but you can not buy a $400,000 house.  You don't have enough money for a $400,000 house.  Do not over complicate this.  Keep it simple.  Lets use this analogy.  

If you need a house in Hendersonville, North Carolina, call Ron Climer

     If you went to the grocery store with fifty dollars in your pocket.  You are there to buy four steaks for dinner tonight.  The store has four steaks for $10 per steak.  They also have four steaks for  $12.50 per steak.  They also have four steaks for $14 per steak.  You can not buy four steaks for $14 per steak.  You don't have enough money.  Can you buy four steaks for $12.50 per steak?  What about tax?  In real estate, we call it closing costs.  It has to be considered.

     If you want all the steaks to be alike, four ten dollar steaks is your best bet.  You could get two ten dollar steaks and two $12.50 steaks.  You could get two ten dollar steaks, one $12.50 steak and one $14 steak. This is where it gets complicated.

     We know we can afford a $360,000 house.  Do we want the big bonus room or the nicer neighborhood?  Is the high school we want imperative or just kinda important?  Decide this stuff in advance.  Share this information with your Realtor.  He can not guess what is important to you.  You have to tell him.  To make your house hunting adventure as simple and easy as possible, tell your Realtor as much information as possible.  The more he knows about your situation, the more he can help you.

     If you are looking for a good Realtor in western Carolina, contact me at www.ronclimer.com