Fiesta Is Here

Fiesta San Antonio  2019 

 

Each spring San Antonio celebrates its diverse heritage, culture and spirit with a weeks long celebration. Fiesta runs from April 18 to April 28, 2019.

Here is the official calendar of events.

Hope to see you at one of the events!

Salud!

Brian Rosciszewski


Posted on April 19, 2019 at 7:26 pm
Brian Rosciszewski | Posted in Uncategorized |

Thanks for helping to grow my business

Spring is here. The days are getting longer and the sun is getting hotter. The perfect time to get your home garden going. I dropped a few of these off to my friends, clients and business supporters. Thanks for helping to grow my business!

 


Posted on March 28, 2018 at 6:28 pm
Brian Rosciszewski | Posted in Uncategorized |

Solar panels…the new upgraded kitchen?

Thinking about buying solar panels to increase your home’s value? Proceed cautiously.

Adding solar panels is a home improvement, but it’s not the same as adding a bedroom or renovating a kitchen. Yes, it will increase your value, but like most all projects in a disproportionate way.

In this video I highlight some reasons to buy them and some reasons to shy away.

DO get solar panels because you:

  • care about the planet
  • want to be energy independent, and
  • will live in your home a long time.

Do NOT get solar panels because you think there is a short-term windfall at hand. I think you may be disappointed.  For additional information on this topic or any other, reach out anytime.

(c) 2018. Brian D. Rosciszewski

 

 


Posted on March 20, 2018 at 6:44 pm
Brian Rosciszewski | Posted in Home Ownership |

March in Crayolas.


Posted on February 28, 2018 at 5:26 pm
Brian Rosciszewski | Posted in Uncategorized |

Preparing Your Home For Sale

Selling your home can be a stressful and daunting task. But, it doesn’t have to be. Here are some issues you should tackle before placing your home on the market.

Inspect the roof – hail damage is fairly common in San Antonio. You won’t be able to run away from it, so why not identify any defects early? By doing the inspection early, you will have time to address any issues. You may even be able to file an insurance claim.  You should hire a professional for this task.

Look for leaks – look for water damage near showers, toilets, doors and windows. Also, clear out your under sink areas and visually inspect for water damage.

Paint – Not only does paint help captivate peoples emotions, it serves a role in preserving wood. It’s also an indicator of problems underneath…

Check the attic – Look for evidence of water leaks, wild animals, insects or out of place insulation. Attics can be dangerous, so seek out a professional.

Floors – polish and clean hardwood floors. They typically  need to be refinished every 5 – 10 years. Also, have your carpets professionally cleaned. (Note: I clean mine every 4 months, thanks to my black lab).

Cracks – Cracks in doors and windows can indicate problems with settling and/or the foundation. Have them checked out.

These are just a few projects that you should under take before selling your home. They will all help visually, and functionally. The visual appeal will help attract a buyer and the functionality will be identified by an inspector before closing.

If you need help buying or selling a home, call for a free consultation, Brian 210-273-0153.

(c) 2017, Brian Rosciszewski


Posted on November 9, 2017 at 12:42 pm
Brian Rosciszewski | Posted in Maintenance, Sellers |

If It’s Broke…Fix It

If it’s broke, fix it. The dripping sink, toilet that backs up, loose floor board, and hole in the wall paint a picture. The picture forms in the buyers head. It may be: 1) the buyer thinks the obvious issues are symptoms of larger issues with your home, or 2) the problems are not currently reflected in the price.

Each picture is bad. In the first instance, the buyer will tend to walk away, in the second the buyer offers you way less than you would have ordinarily gotten. Reality is, most issues will be caught by the buyers and act as a distraction, or will be uncovered by an inspector later. In the end you will likely need to fix them.

You never got a second chance to make a first impression. Fix it.

Less is more. Prior to becoming a REALTOR®, I hired many to help me buy and sell property. I always dreaded the “chat.” You know…the “you have too much stuff in your house, and the picture of ______ needs to go” speech. The first time this happened, I thought my wife was going to hemorrhage! I have come to realize the agent was reinforcing that buyers generally lack imagination and find it hard to see past your stuff to envision their stuff.

In the years since becoming a REALTOR® I take great care to reinforce with my clients that the best manner to showcase your house is by showcasing your home. Your home is the star and your things are the supporting cast. Buyers want to see that each room is appointed to serve its intended purpose. Unfortunately, family pictures, excess heirloom furniture and general clutter distract buyers. It’s not a judgment on your taste or style.It’s a professional opinion on how to best market your home for a quick sale at top dollar.

Price to sell. Your home is special and unlike any other. You’ve written many chapters of your life between the walls. In many ways it is irreplaceable to you and maybe even priceless. If this is the case, you should not even consider selling. However, if it’s time to move to a new chapter, then I always advise my clients to price their home based on what’s happening in the market.

Generally market conditions are indicated by previous sales for similar homes and the number of similar homes presently for sale. I always perform a comparative market analysis of the house and present clients with a range of prices from which to choose.

Sellers should set a price that is consistent with what’s happening in the market. The price you choose within that range should reflect your overall strategy.

For more information about buying or selling a home, please contact me at (210) 273-0153.

(c) Brian D. Rosciszewski, 2017


Posted on September 28, 2017 at 12:43 pm
Brian Rosciszewski | Posted in Maintenance, Sellers |

Throwing It All Away?

Throwing It All Away?

 by Brian Rosciszewski, REALTOR
Home ownership is certainly not for everyone. Ultimately, owning a home is a lifestyle choice that has both costs and benefits. The lifestyle cost includes upkeep, maintenance and repairs of the properties. This cost is in money and/or your own sweat. The lifestyle benefit includes ownership of the land and improvements, and the opportunity to enjoy appreciation of the property value over time. This is a benefit that renters will never enjoy.

 

To be fair, renting makes sense when you are going to be somewhere for a short period of time or when you don’t have the resources to purchase a home. However, if you’re plans include being somewhere for more than a few years, read on…

Throwing It Away

I don’t think the “throwing your money away on rent” adage is quite fair. Again renting makes sense sometimes – the simple transaction of money for a roof over your head is okay. But, the truthiness to the statement is that your rent will never return to you. Unlike rent, mortgage payments build equity and brings you closer to home ownership.

Death and Taxes

Generally speaking all the mortgage interest and property taxes paid are deducted from your income tax when you itemize. Renters do not get to “write off” their rent.

Borrowing Equity

Over time you will build equity in your home. Equity can be leveraged for loans or lines of credit. It’s a great way to renovate or upgrade your home later on.

The Long Haul

Recent housing data shows that it is cheaper to buy than rent in many US cities, principally in the Midwest and South.  The finding is true for those who itemize tax deductions, live in the home for seven years, and a few other factors.

Do What You Please

Homeowners have the ability to alter and upgrade their homes as they see fit, they own their home after all! Paint your kitchen pink, sledgehammer a wall – do what you want to your home. You still have neighbors and need to be respectful, of course, but with no shared walls and greater distance from them you can have that midnight dance party and turn up the music.

Connecting the Dots

The decision to rent or buy is a big one. Buying a home is the largest financial transaction you will likely make. You should carefully consider your lifestyle and financial position. Lower interest rates and relaxed credit score programs exist to help first-time buyers.

Speak with a REALTOR® to learn about your market and your options. Better yet, call me at 210-273-0153

 (c) 2017. Brian D. Rosciszewski, REALTOR®


Posted on August 11, 2017 at 12:48 pm
Brian Rosciszewski | Posted in Uncategorized |

Are You Covered?

Insurance is seldom exhilarating or exciting to talk about. But, it’s critically important to you and your family’s financial well-being.

Wait. Stop! Don’t tune out…

If you were like me, you got your homeowners policy when you bought your home, put the policy in a safe place and forgot about it. A year later a new arrived and you did the same thing. rinse. repeat.

Sound familiar?

Well, what’s changed in the few years since you bought your home? Have you had children? Did a family member move in? Has your financial position changed?

I recently sat down with a few insurance experts and wanted to share a few things I learned. Hopefully this will stir some interest to review your policy annually and contact your agent (or a new one) for a courtesy review.

When it comes to homeowners insurance, you need to pay close attention to a few key things: coverage, coverage amounts, payout or settlement methods and deductibles.

The first thing to understand is what is and what is not included with your coverage. Some policies, like a basic HOA, cover only named perils such as fire, wind or hail. The key here is it only covers named perils. {If the event is on the list, you are covered. If not, sorry Charley.}  Other types of policies, like an HO3, provide greater coverage because they provide open coverage to your home unless a specific listed and excluded event occurs (e.g. war).

The other very important aspect to consider is your coverage amounts. Let’s say you just bought a 2,000 square-foot home and paid $170,000 for it. On a cost-per-square-foot basis, your home is worth $85/sqft. So is a replacement cost of $170,00 adequate coverage?

According to Phil Delgado of Goosehead Insurance, it is not. “No matter how much you paid for your home, a good rule of thumb is your coverage should be at least $100 per square foot,” Mr. Delgado advises. The cost to replace a dwelling in today’s market is not the same as its value. With the San Antonio construction boom, labor and materials are in demand. To check your cost: divide your coverage amount by the square footage of your home. If you are under $100/sqft you should talk to an agent.

Generally, two types of payment methods exist: replacement cost and actual cash value. You should carefully evaluate your financial position and goals when determining what type of method you want. In general, most residential homeowners will want to carry replacement cost coverage. For the reasons mentioned earlier, the value of your home and the cost to rebuild your same home can differ. Not surprisingly, the cost of a replacement cost policy is greater than an actual cash value policy.

You should carefully weight your personal situation with regard to deductions, too.  A low deductible (e.g. $1,500) may be good if you are strapped for cash and likely to file a claim, while a higher deductible ($3,000) may make sense if you have savings and are unlikely to file a claim.

Insurance is important and worthy of an annual review. As the consumer you must educate your self about your policy and what is and is not covered. Oh, and just because you have a policy doesn’t mean you should file a claim for everything. Insurance claims are recorded and can drive your future policy premiums up.

If you have additional questions, speak with a licensed insurance agent or call me for a referral.

(c) 2017. Brian D. Rosciszewski, REALTOR®


Posted on July 28, 2017 at 12:53 pm
Brian Rosciszewski | Posted in Uncategorized |

Does Your Home Owners Policy Have You Covered?

Insurance is seldom exhilarating or exciting to talk about. But, it’s critically important to you and your family’s financial well-being.
Wait. Stop! Don’t tune out…
SMXLL

If you were like me, you got your homeowners policy when you bought your home, put the policy in a safe place and forgot about it. A year later a new arrived and you did the same thing. rinse. repeat.
Sound familiar?
Well, what’s changed in the few years since you bought your home? Have you had children? Did a family member move in? Has your financial position changed?
I recently sat down with a few insurance experts and wanted to share a few things I learned. Hopefully this will stir some interest to review your policy annually and contact your agent (or a new one) for a courtesy review.
When it comes to home owners insurance, you need to pay close attention to a few key things: coverage, coverage amounts, payout or settlement methods and deductibles.
The first thing to understand is what is and what is not included with your coverage. Some policies, like a basic HOA, cover only named perils such as fire, wind or hail. The key here is it only covers named perils. {If the event is on the list, you are covered. If not, sorry Charley.}  Other types of policies, like an HO3, provide greater coverage because they provide open coverage to your home unless a specific listed and excluded event occurs (e.g. war).
The other very important aspect to consider is your coverage amounts. Let’s say you just bought a 2,000 square-foot home and paid $170,000 for it. On a cost-per-square-foot basis, your home is worth $85/sqft. So is a replacement cost of $170,00 adequate coverage?
According to Phil Delgado of Goosehead Insurance, it is not. “No matter how much you paid for your home, a good rule of thumb is your coverage should be at least $100 per square foot,” Mr. Delgado advises. The cost to replace a dwelling in today’s market is not the same as its value. With the San Antonio construction boom, labor and materials are in demand. To check your cost: divide your coverage amount by the square footage of your home. If you are under $100/sqft you should talk to an agent.
Generally, two types of payment methods exist: replacement cost and actual cash value. You should carefully evaluate your financial position and goals when determining what type of method you want. In general, most residential homeowners will want to carry replacement cost coverage. For the reasons mentioned earlier, the value of your home and the cost to rebuild your same home can differ. Not surprisingly, the cost of a replacement cost policy is greater than an actual cash value policy.
You should carefully weight your personal situation with regard to deductions, too.  A low deductible (e.g. $1,500) may be good if you are strapped for cash and likely to file a claim, while a higher deductible ($3,000) may make sense if you have savings and are unlikely to file a claim.
Insurance is important and worthy of an annual review. As the consumer you must educate your self about your policy and what is and is not covered. Oh, and just because you have a policy doesn’t mean you should file a claim for everything. Insurance claims are recorded and can drive your future policy premiums up.
If you have additional questions, speak with a licensed insurance agent or call me for a referral.
(c) 2017. Brian D. Rosciszewski, REALTOR®

Posted on July 27, 2017 at 7:33 pm
Brian Rosciszewski | Posted in Home Ownership | Tagged