Between Two Brokers

The Ladies of Luxury Real Estate are back with another themed list.  This time they cover the Four L’s of what to look for when purchasing a home.  These hot tips are real-life lessons learned on the job and are key factors that can help you avoid a lot of heartache when buying your dream home.   Today’s episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More:  https://www.billpaynemortgagebanker.com

One thing you gotta know about Stacy…she loves a theme..especially if it involves the number 3 and the letter P.  Today she and Erin tackle the THREE P’s of making your listing standout.  Tune in for an in depth explanation about why Photos, Price, and Professionals (say it again for the people in the back!!) matter so much when it comes to knocking your listing out of the park.   Follow Between Two Brokers on IG: https://www.instagram.com/betweentwobrokers/   Work with Erin + Stacy: https://smithspencer.com/

      On today’s episode, the ladies discuss the Sitzer-Burnett case and how it affects the Real Estate Industry in South Carolina and the US.  Stacy and Erin break it down in terms of their personal experience and share how they are advising their agents in the light of this red hot topic.    

    No silly, Martha didn't grace us with her presence, instead Stacy + Erin compare takeaways from Masterclass with Martha Stewart. There is so much insightful advice to be gleaned from one of the world's most admirable entrepreneurs, from morning routines, to how to look at your business from different lenses, what to say no to, giving feedback, and managing a schedule. The ladies highlight what resonates with them and the lessons they are implementing into their lives and businesses. 

Stacy and Erin sit down with financial advisor Jeff McDowell of Roadstead Capital Partners to discuss everyone’s favorite topic: money. The three discussed investing in the markets, the future of AI and associated stocks, how politics and the election year affect investing concerns and the market in general, conspiracy theories, commercial real estate investments, investment properties including vacation rentals, and the parallels between financial and real estate markets and clients fears - everything top of mind for the money-obsessed! They also discuss how to make important decisions with a level head when there is uncertainty. Jeff provides book and podcast recommendations as a bonus including The Psychology of Money by Morgan Housel.  Jeff is a registered CFP® (Certified Financial Planner) with more than 15 years of experience in the financial services industry which includes working in estate management, trust administration, retirement planning, and portfolio modeling for high-net-worth individuals and families.     Disclaimer: Past performance is not indicative of future results.  The material discussed has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy.  The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation.  Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed.   Investing involves the risk of loss.  This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions.  Jeff McDowell is affiliated with Osaic Wealth, and may maintain positions in the securities discussed in this show.  All opinions expressed by Jeff are solely his own and do not reflect the opinion of Osaic Wealth.     Today’s episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More: https://www.billpaynemortgagebanker.com   Links:  The Psychology of Money Same as Ever Modern Wisdom Podcast with Morgan Housel

Erin and Stacy discuss how their buyers and sellers have joined them on the struggle bus in recent deals. Will the stressful, tough negotiations continue through Spring? Tune in to hear what the ladies are telling their buyer and seller clients. Stacy says buyers should strike now on listings that have been on the market before the inevitable craziness of the Spring market gets going in full force and they wind up in multiple offers and pay higher prices competing with a larger buyer pool. With so many buyers these days searching for real estate remotely and making site unseen offers, the ladies discuss the risk associated with this strategy and talk about the vital significance of seeing a home in person.    Today’s episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More:   https://www.billpaynemortgagebanker.com  

    Mandy Davis of Anderson Insurance is BACK to talk Natural disasters. (If you haven’t listened to Ep. 154 go back and check it out. ) On this episode the ladies chat all things NATURAL DISASTER.  From hurricanes to earth quakes to wind damage Mandy covers it all and lets you know that when it comes to insurance you may not be as covered as you think.  Then they dive into everything from rodents, squirrels, termites and more and give you the straight forward answers around your home insurance coverage.   Reach Out to Mandy: https://www.aiasc.com/   Today’s episode is brought to you by Exhale Pilates        

Insurance rates have gone up a shocking amount for homeowners nationwide but especially for coastal properties. Stacy and Erin sit down with insurance agent Mandy Davis with Anderson Insurance to find out why this necessary expense has increased so drastically in the last 18 months. Listen in to understand what replacement cost is and how it is determined, how insurance companies pay out, and what factors go into pricing insurance premiums… think roofs, pools, polybutylene plumbing, claims history, even your credit score. Learn what you need to know about wind, flood, and umbrella policies and why being underinsured is a big risk!   Reach Out to Mandy: https://www.aiasc.com/   Today’s episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More:   https://www.billpaynemortgagebanker.com  

Stacy and Erin sit down with mortgage guru Bill Payne using the Charleston market as a case study to discuss the nationwide issue of housing affordability. How much are first time home buyers earning? How much are they spending on a home? Has credit card debt become more of an issue? Tune in to hear some things they advise first timers to think about before they make a decision, as well as options for parental help or a co-signer on a mortgage if they don't have the ability to do it on their own. If you are considering purchasing a home in Charleston under $1 million, buying your first home, or know someone who is - this is a quick and valuable episode that will give you a greater understanding of what the reality is for these buyers in today's market.  Got a question for Bill?  Email us podcast@smithspencer.com      Today’s episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More:   https://www.billpaynemortgagebanker.com    

The girls discuss their latest challenges in the market including properties that don't offer deeded parking, properties with mold issues, recent flooding, and how to maintain your home to avoid surprises when selling during a home inspection. Erin shares how she hunted down a parking broker, a car club, and even a rentable parking spot for her buyer client. Plus, producer Lindsey hits Mortgage Guru Bill Payne with a burning question: How do you tap into your home's equity in this interest rate environment? With a HELOC or by refinancing? Also: tax advantages for opening an income-producing business on your property. Bill explains a cash out refinance versus a HELOC and when you should use either option. 

    Moira Kucaba is a Business Coach, Bestselling Author, Speaker, Mama, Belief Builder who overcame addiction and turned what she thought was her scarlet letter into her secret superpower. In this episode, Moira breaks down her process for how to become the high-earning entrepreneur you’ve always dreamed of being by sharing tangible tips that will lead to BIG changes in your life. The ladies discuss mindset, psychology, time management, comparison, rewiring your brain, and so much more. If you are a hard driving achievement junkie - this one's for you!   Work with Moira: https://moirakucaba.com/low-bottom-high-rise   Check Out Moira’s Podcast: https://podcasts.apple.com/us/podcast/low-bottom-high-rise-with-moira-kucaba/id1607886350   Today’s episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More:   https://www.billpaynemortgagebanker.com  

  Erin and Stacy provide a January market update, trade Airbnb horror stories, and how they've advised new agents coming into the business. They conclude with Erin's input on how buyer's should realistically think about potential rate drops this year.  Today’s episode is brought to you by: 38Tera   Check Out 38Tera on Instagram: https://www.instagram.com/38tera/?hl=en 

Stacy and Erin sit down with mortgage guru Bill Payne and answer a listener question regarding an uptick in refinances. What's the smart move? Go ahead and refi or wait for rates to come down further? Bill discusses what he anticipates rates will do in the first and second half of the year, the cost to refinance, and when the best time to refinance is. He also tells you how to determine when you break even on a refi to decide if it is worth the cost.    Bill Payne is with First Home Mortgage and can be reached at 843-532-1392.   

Erin and Stacy catch up and discuss Erin's maiden voyage to Paris! The girls also chat about the challenges presented by a new market and buyers and sellers with clashing expectations. Get advice on how to communicate with clients and fellow agents during the stressful process of buying and selling. Stay tuned for highlights from their 2024 Economic Outlook breakfast date as well as a listener question regarding how to prep an inherited property for sale.  Got a question for Schmoopy?  Send them over to podcast@smithspencer.com     Check Out Our Partners:   https://www.billpaynemortgagebanker.com   Check Out 38Tera on instrgam: https://www.instagram.com/38tera/?hl=en

(NOTE: This episode originally aired 2/21/23) Smith Spencer Real Estate proudly presents the World Premiere of Between Two Brokers LIVE in front of a studio audience.   The ladies interview the incredibly talented Jesse Vickers of JLV creative, Charleston’s hottest interior design firm, and end the show with questions from the audience.  The energy is electric in this episode and it covers business advice, interior design, leadership and more.   This Episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More by Going to: https://www.billpaynemortgagebanker.com   Episode 107: LIVE PODCAST with Jesse Vickers of JLV Creative

NOTE: This is the second episode in a two-part series, if you missed part one, go back and start there: ep. 144.   Stacy and Erin sit down with New York Times Best-Selling author and leading gut health expert: Dr. Will Bulsiewicz. Dr. B was practicing as a gastroenterologist when he realized he was having his own health crisis. After experiencing his own radical transformation through adding more fiber to his diet he decided to dig deeper.  (Luckily he has a Master’s degree in Clinical Research) His findings led him to write his first book ‘Fiber Fueled’ and it was an instant success. Two books and many 💩’s later he is a wealth of knowledge and an incredibly passionate speaker.     Follow Dr. B: https://www.instagram.com/theguthealthmd/   Check Out ‘Fiber Fueled’ : https://theplantfedgut.com/book/   Check Out Our Partners:     https://www.nickcannphoto.com   https://www.billpaynemortgagebanker.com

Stacy and Erin sit down with New York Times Best-Selling author and leading gut health expert: Dr. Will Bulsiewicz. Dr. B was practicing as a gastroenterologist when he realized he was having his own health crisis. After experiencing his own radical transformation through adding more fiber to his diet he decided to dig deeper.  (Luckily he has a Master’s degree in Clinical Research) His findings led him to write his first book ‘Fiber Fueled’ and it was an instant success. Two books and many 💩’s later he is a wealth of knowledge and an incredibly passionate speaker.  This is the first episode of a two part series. Join us next week (and subscribe so you don’t miss an episode) for the next chapter in his inspirational story.    Follow Dr. B: https://www.instagram.com/theguthealthmd/   Check Out ‘Fiber Fueled’ : https://theplantfedgut.com/book/   Check Out Our Partners:     https://www.nickcannphoto.com   https://www.billpaynemortgagebanker.com

Erin and Stacy sit down with Charleston's busiest builder, John Frick, to get the latest on what's happening in the world of new construction and renovation. John is the owner of Level Building Projects and is always a wealth of knowledge (and straight up honesty) when it comes to the latest and greatest in the world of new builds, teardown and spec homes.  Tune in to hear all about the trends he's seeing, what features he recommends and the ones he could live without.  (Hint: a front porch aint one of 'em) Work with John: https://www.levelbuildingprojects.com/ Check Out Our Partners:     https://www.nickcannphoto.com   https://www.billpaynemortgagebanker.com  

Trip Cummings is an expert in termites, rodents, and dad jokes. (In the order!) On today’s show Stacy and Erin sit down with the hilariously informative owner of Barrier Pest Services to get all the info on Charleston's VERY specific climate, the major pests that are native here and learn what percentage of CL 100’s *actually* come back squeaky clean.     Work with Trip: https://barrierpestservices.com     Check Out Our Partners:     https://www.nickcannphoto.com   https://www.billpaynemortgagebanker.com

On this episode Erin + Stacy invite the world’s best accountants: Stephanie Spinucci  and Nick Raffety of CRI  to share some much needed end-of-year insight into how to maximize your tax returns. They discuss what you can and can’t write off and share lots of great tips for homeowners with short term rental properties.   Let Stephanie Help with Your Taxes: https://cricpa.com/people/stephanie-h-spinucci/   Check Out Our Partners:   https://www.exhalepilateschs.com   https://www.nickcannphoto.com   https://www.billpaynemortgagebanker.com