Wednesday, January 16, 2019

Lisa Gray

Lisa Gray
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Lisa is an accomplished marketer with years of expertise in direct response marketing, digital marketing, data analytics and business development working with both B2C and B2B.

What are you thankful for this year?

We know what we are thankful for.

We’re thankful that you have placed your trust in us to provide you with the marketing materials, services and content to aid in your success.

We know you have choices and are grateful you have chosen us.

Expressing and acknowledging gratitude is an addictive experience. The results of time spent on this wonderful subject are far reaching.

Did you know…

..taking 5 minutes to write down or think about what you are grateful for increases long-term well-being by more than 10 percent?

The following is a list of the top 10 studied results from expressing gratitude on a regular basis:
  1. Better night’s sleep
  2. Less pain
  3. Reduced stress
  4. Increased self-esteem
  5. Increased physical and mental vitality
  6. Reduced feelings of envy
  7. Helps with relaxation
  8. Helps foster new relationships
  9. Increases goal achievement
  10. Increases productivity

I think gratitude and giving go hand in hand. And we all know the resulting high that we receive anytime we have an opportunity to give.

Our Turkey Mission

Recently the employees of ProspectsPLUS!  were filled to the brim with wonderful feelings. We were on a mission to purchase 50 turkeys from surrounding grocery stores to donate to the Salvation Army and our local Food Bank.

Finding 50 turkeys 3 days before Thanksgiving was not an easy feat, but we were determined.

…and, our efforts paid off.
 The Result…

It was all smiles and warmth on the faces of the ProspectsPLUS! staff as we delivered the turkeys to the Manatee County Food Bank and The Salvation Army of Manatee County.

The Manatee County Salvation Army has plans to feed over 500 people on Thanksgiving day. They also provide Thanksgiving dinner baskets for families in need to take home and cook.

The Manatee County Food Bank provides food for over 60 food pantries in Manatee County. They also offer a Meals-on-Wheels program to Manatee County.

 Sharing in the Spirit of Gratitude & Giving

If you are thinking about catching our high, and sharing in the spirit of giving and gratitude, I have a couple easy ideas for you.

We currently are conducting a Dollar for Dollar campaign for St Jude Kids. If you donate to St. Jude Children’s Research Hospital® through our website we will match your donation.

Another great way to show your gratitude, that’s really close to home, is to send a hand-written personal note to your past customers. Express your heart-felt gratitude that you were chosen to help them in the past with the important task of buying or selling a home.

Placing the focus on appreciating the customers you already have served will feed your spirit and do wonders to inspire you to connect with more people in the hope of serving them in the same rewarding way.

Sending you wishes for a rewarding 2018 full of experiences to be grateful for!

Happy Thanksgiving from everyone at ProspectsPLUS!

Remember, if you ever need our assistance? We are here to help you! Call our support team a 866.405.3638. 

Time is Non-Refundable…Use it With Intention

It’s amazing how easily we can get distracted and before you know it hours have been lost and your day is behind you.

Time seems to have the ability to expand and contract based on how we fill it.

If only two items need to be accomplished in a day, those two items somehow end up taking most of day. Yet when a day is packed with 5 or 6 important tasks to complete somehow it takes the same amount of time.

Einstein believed that time wasn’t linear.

In fact he’s quoted saying, “The separation between past, present and future is only an illusion, although a convincing one.”

Maybe that’s not a bad idea to live by. It certainly makes it easier to focus your attention on the present moment.

However you decide to focus, make sure you focus with intention.

Prioritize the tasks that you need to complete each day. Then keep your list handy and in front of you to help you stay focused. If you find yourself getting distracted ask if your distraction trumps the importance of the items on your list.

With intention guiding you, accomplishing your daily goals becomes easier and more rewarding…

…and there’s nothing like the feeling you get from crossing items off your list at the end of the day.

Need help?  Call our team today at 866.405.3638 to put the best marketing tools in place to build your business easily, and cost-effectively.

WE HAVE A WINNER!

Congratulations to Jim Smeaton from Charles Rutenberg Realty our $10,000 Contest Winner!
View his winning video Here!
And…

We have One More Surprise…

Everyone who entered our 10k Realtor Contest will receive a $100 ProspectsPLUS! Gift Card!

Thank you everyone for your support and wonderful contributions!

Watch our Contest Winner Announcement Video that ran Live on Facebook to see all the action and our other semi-finalists Here!

Make sure to Sign-Up for our Newsletter to get the latest updates on contests and promotions for your chance to win !!!

 

 

Real or Fake News?

It’s all over the news – the government is harming homeowners and real estate by wanting to do away with the mortgage interest deduction (MID). From major real estate portals to the National Association of Realtors’ website, hand wringing rules the day.

Is it fake news, the truth or are the reports somewhere in between?

A little history

Before 1986, all interest on all loans (even credit card bills), regardless of purpose, was tax deductible. The Tax Reform Act of 1986 (TRA86) did away with all of those deductions, with the exception of mortgage interest.

Interestingly, the TRA86 was touted very much the same way today’s tax reform efforts are – as a way to simplify the tax code and do away with tax loopholes.

To itemize or not to itemize

To take advantage of the MID, a taxpayer must itemize deductions. For itemizing to make sense, his or her deductions must exceed the standard deduction. These deductions include the MID as well as charitable contributions, medical expenses, property taxes, state and local income taxes and others.

Now, if you itemize deductions you know that it isn’t as cut and dried as it seems. The charitable contribution deduction, for instance, carries a cap. And, filers can deduct only the amount of medical expenses that exceed 10 percent of their adjusted gross income (7.5 percent if the filer or spouse is 65 or older).

This restriction allows only 19 percent of taxpayers who itemize to claim the medical expense deduction, according to Matthew Frankel at motleyfool.com.

It is very difficult for the average middle class American to come up with enough in itemized deductions to beat the standard deduction. In fact, only about 30 percent of taxpayers itemize deductions.

The reality

Here are the stats:

  • About two-thirds of American households own their home.
  • Only one-fourth of homeowners claim the MID.
  • The average tax savings for households with income between $40,000 and $75,000 is just $152 a year. That’s $12.66 a month,” according to Anthony Randazzo, director of economic research at the Reason Foundation.
  • Households with earnings of more than $100,000 derive nearly 90 percent of the MID’s benefits.
  • “In 2015, the federal government spent $71 billion on the MID,” according to Derek Thompson with The Atlantic. He also calls the MID a “moral indictment of the tax code,” and the $71 billion dollars it costs this country “a public-housing policy for the rich.”
But … it incentivizes home ownership, right?

“Economists don’t agree on much, but they do agree on this: the interest deduction doesn’t do a thing for homeownership rates,” suggests Roger Lowenstein at the New York Times.

Remember Jonathan Gruber, the Obamacare architect? He co-authored a National Bureau of Economic Research study earlier this year that found “The mortgage deduction has a precisely estimated zero effect on homeownership.”

“One reason for this is the way the MID is structured. As mentioned earlier, a taxpayer must itemize deductions to take advantage of the MID. It is primarily the wealthy who have enough deductions that make sense to itemize.”

“The value of the deduction increases with the individual’s income tax rate so that higher income taxpayers receive more benefit than lower- and middle-income taxpayers,” according to Tim Manni at HSH.com.

Manni goes on to say that the MID encourages Americans who can afford to, to buy larger, more expensive homes, “rather than to encourage significant homeownership at low- and middle-income levels.”

Even without economists’ word for it, knowing the statistics on who actually uses the MID, common sense tells us that homeownership rates and home prices aren’t going to plummet if homeowners can’t deduct mortgage interest on their taxes.

What the MID actually does

“The MID benefits far fewer Americans than politicians and the media are letting on and, in fact, it drives up tax rates for the rest of us,” insists the National Review’s Robert VerBruggen.

Others argue that the MID subsidizes wealthy households and the money saved by doing away with it will help fund tax reform that benefits the middle class.

Whichever side you fall on over this issue, it’s important to understand the facts. Only then can you intelligently answer your clients’ questions.

Need our assistance? We would love to help you! Call our support team a 866.405.3638.