Jason Robie: Seller's Soul Searching

It happens to nearly all of us. At some point we will begin the inner dialogue about whether now is the right time to sell or not. Of course there are always extenuating circumstances that come into play. Jobs, kids, military service and marriage are just a few of the life-factors that will push you in one direction or the other. But if you are not being forced to sell by a big life change, what are some of the questions you need to answer to best come to a decision? Let’s take a peek.

One of the first questions that need answering is: Why Now? As noted above, sometimes life just dictates that it is time to sell, but other factors can also play a big role. Is this a great time to sell because it is a hot seller’s market? Do you just plain need the money due to a job loss or divorce? Has the home simply become too expensive to maintain (or heat!)?

And, of course, there are positive reasons to go right along with those challenges as well. Did you get a new job in a new town and need to unload this property? Did you partner up with someone special and the maintaining of two homes is no longer necessary? Has a raise or other financial uptick allowed you to upgrade your living conditions and move to a nicer space? Any of these are legitimate reasons to want to sell, regardless of the current, local market conditions.

Just like we all “should” be exercising every day and eating more vegetables, there are also times when we feel like we “should” sell our homes. I’m not a big proponent of these because they are typically based on “norms” or other societal pressures rather than actual facts. If you feel you “should” sell because that’s what people your age do at this time or because your neighbor just sold and made a nice profit, take a step back. This is a huge decision and one that should not be made based on what other people think is the right thing to do or what your neighbor did. Get some professional, objective input to evaluate your “why” decision and make it based on facts, even though they are a little hard to come by these days!

The next question is: What is next? If that new job in the new town is your driving reason, this has already been decided. But if you’re moving to increase or decrease space, eliminate a mortgage, move to a new area or simply get a change of scenery; do you have a plan? I can tell you from experience that moving across the country without a place to “land” or any real plan is a bit stressful, although also a bit exciting. Consider all those who will be impacted by this move including friends, adult children and certainly your pets.

At the end of the day the decision is yours, but it will help alleviate some of the stress if you have a solid plan in place before you kick things off. Your friends will appreciate it. Your kids will not come home from college to an empty house (It happened to a friend in college!). And it will help you have a higher level of confidence in the decision you have made. There are always doubts that creep in. But if you have a solid plan to move forward, that will help you answer those doubts.

Now that you have a plan in place and are confidently moving forward, what does a successful sale look like? “Very often sellers are relying on the sale of this home for the purchase of their next home,” notes Badger Realty agent, Roland Turgeon. He continued, “There are also other factors such as fixtures, furniture, plants and even a garden harvest that all come into play for a successful sale. I encourage my sellers to take a mental (or pen and paper) inventory of all the pieces of this deal that are important to them before we get started.”

Roland is right. Often times we see sellers jump into the game before really considering what a quick sale of their home might mean. Kids’ schedules, pet care, pre-planned trips and visiting family can all throw a wrench in the works if they are not considered up front. Before you start making calls to your local real estate professional, run through the next six months in your mind or on your calendar and make sure you are prepared for what may come up.

Selling a home is a really exciting time. It smells of new adventures and new beginnings. There’s quite a bit to consider during this transition so carve out some quiet time and make sure all of your ducks are in a row. With some careful planning and strategizing, you can make this a smooth process and mitigate some of the unnecessary stress. Now let’s get moving!

 

New Hampshire Food Bank and Citizens Bank Nothing Campaign reaches 1 million meals

To mark Hunger Action Month, the New Hampshire Food Bank and Citizens Bank announced today that the Nothing Campaign has surpassed 1 million meals with donations totaling more than $567,000 over the past 5 years. The statewide campaign features cans of “nothing” representing the reality that thousands of New Hampshire residents have nothing to eat.

“Citizens Bank continues to be an incredible partner to the New Hampshire Food Bank, providing critical funding to support our ongoing effort to eliminate hunger in New Hampshire, and we are tremendously grateful for the support,” said Eileen Liponis, executive director of the New Hampshire Food Bank. “The NH Food Bank is able to turn every $1 donated into two nutritious meals, we can turn the $96,000 raised to date during this year’s Nothing campaign into 192,000 meals. While the need continues to grow, this support is making a profound impact on those who are most in need.”

Citizens Bank and the New Hampshire Food Bank launched the Nothing Campaign in New Hampshire in 2013 to spread awareness and raise funds for those in need — and the need is growing. In New Hampshire, 10 percent of residents, including 13 percent of children, are food insecure, meaning they do not know where their next meal is coming from. Throughout April and May, participating grocery stores sold cans of nothing for $5 each to raise funds and awareness for the New Hampshire residents who have nothing to eat.

Citizens Bank has been the sole underwriter for the Nothing Campaign since it began five years ago.

“Citizens Bank is proud that, in partnership with the New Hampshire Food Bank, we’ve been able to raise awareness about hunger and provide 1 million meals to New Hampshire residents through the Nothing Campaign,” said Joe Carelli, president, Citizens Bank, New Hampshire. “One hungry family or individual is one too many. Through our partnership with the New Hampshire Food Bank, we are making a difference for individuals and families across the state who are facing food insecurity.”

All proceeds go to the New Hampshire Food Bank to buy meals for the hungry. So far this year, the Nothing Campaign raised more than $96,000 and provided more than 180,000 meals for those in need. To learn more, visit nhfoodbank.org/nothing.

The New Hampshire Food Bank, which receives no state or federal funding for food distribution, continues to address the growing need in New Hampshire. In 2016, the New Hampshire Food Bank distributed nearly 13 million pounds of food to its more than 400 partners statewide, an increase of 55 percent over the past four years.

 

Lori Bergeron joins RE/MAX Northern Edge Realty

Lori Bergeron has joined RE/MAX Northern Edge Realty of Lancaster as the newest member of its sales team.

“My clients are my first priority," Bergeron said. “Providing homebuyers and sellers with the opportunities the RE/MAX brand has to offer, as well as its abundant resources, is a huge benefit for them. It’s a win-win for everyone.”

Call Lori at the office (603) 788-2131 Ext: 16, or by cell (603) 331-2983, she can also be reached by email at This email address is being protected from spambots. You need JavaScript enabled to view it..">This email address is being protected from spambots. You need JavaScript enabled to view it..

RE/MAX Northern Edge Realty of Lancaster is located on 89 Main St. Call (603) 788-2131 or go to Teamner.com for more information

 

Bergeron ReMax

Glenn J. Tassey earns Chartered Financial Consultant designation, financial planning’s highest standard

BERLIN — Glenn J. Tassey, president of Tassey Group Insurance and Financial Services, Inc. has earned the chartered financial consultant designation from The American College of Financial Services, Bryn Mawr, Pa.

Candidates for ChFC designation must complete a minimum of nine courses and 18 hours of supervised examination. They must also fulfill stringent experience and ethics requirements. Over 50,000 individuals have been awarded the ChFC designation since its inception in 1982 and the credential is widely regarded as the highest standard of knowledge and trust for financial planning professionals.

The ChFC program prepares professionals to meet the advanced financial needs of individuals, families and small business owners. ChFC can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals. Individuals who earn a ChFC can provide expert advice on a broad range of financial topics including financial planning, wealth accumulation and estate planning, income taxation, life and health insurance, business taxation and planning, investments and retirement planning.

Tassey is a life-long resident of Gorham, a small town in the heart of the White Mountains along with his wife Maria and their son Logan. “We live here on purpose and enjoy all of the natural beauty and outdoor recreation right at our doorstep,” Tassey said.

The Tassey Group Insurance and Financial Services, Inc. is a family owned business that has been serving the North Country since 1989, and has been helping individuals and small businesses grow and protect the things they care about most.

The American College is the nation’s largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, the college has served as a valued business partner to banks, brokerage firms, insurance companies and others for over 86 years. The American College’s faculty represents some of the financial services industry’s foremost thought leaders.

For more information go to theamericancollege.edu.