Laurie Ray, Realtor, Berkshire Hathaway HomeServices PenFed Realty

Are you currently sizing up whether to renovate or relocate? Well, you’re not alone. Dive into the second installment of The Key, where top real estate leaders share valuable insights on this very topic.

Read it here: https://www.bhhs.com/the-key/renovate-or-relocate?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024

If you have any questions at all, be sure to reach out.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024
📧 [email protected]

City living on a budget? Consider the approach of rentvesting, a strategy that allows you to reside in your desired city location while simultaneously building equity through property ownership elsewhere. Discover its potential benefits in the latest blog post.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/7/what-is-rentvesting-&-how-can-it-help-you-buy-a-home-.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024

Questions? Let me know! I’d love to hear from you.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024
📧 [email protected]

Do you have a low credit score? A secured credit card can be an easy way to improve it.

How a Secured Credit Card Can Help Your Credit One of the easiest ways to build credit and improve a credit score is to open a secured credit card....

In this recent blog post, learn how adding a patio or deck can significantly boost your home's value. Discover more about the benefits and trends in outdoor living spaces, and get inspired to enhance your own yards.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/7/do-decks-and-patios-add-value-to-your-home-.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024

Questions? Feel free to reach out—I’d love to help!

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024
📧 [email protected]

Whether you're hosting or hunting for treasures, National Garage Sale Day is a day for decluttering or discovering gems. Looking to upgrade to a bigger space? Get in touch to find your dream home! 🏡

Check out these 5 financial planning tips.

Money Matters for Millennial Parents As a young parent, you may just be learning about all the responsibilities parenthood requires. When...

With many of us feeling like we’re spending too much time on our devices, the trend of wellness retreats offering digital detoxes is growing in earnest. Learn all about these tech-free sanctuaries and where you can go to disconnect and reconnect in the Summer 2024 issue of Berkshire Hathaway HomeServices Prestige magazine. Read today at BHHSLuxuryCollection.com

Don't get hung up on square footage—it can be misleading and cause you to miss out on the perfect home. Head to our latest blog post to learn why focusing on layout, flow, and functionality can be a smarter approach.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/7/square-footage--why-size-is-not-everything-in-real-estate.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024

Questions? Ask me today—I’m happy to help.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=August2024
📧 [email protected]

Are you struggling with high credit card interest rates? Here's how you can avoid interest with three easy steps.

How to Avoid Credit Card Interest The typical credit card charges about 16 percent interest per year on balances, effectively adding $...

Dive into the intricacies of private mortgage insurance (PMI) and learn how to save money on your mortgage payments. From understanding PMI costs to unlocking early cancellation strategies, this latest blog on www.BerkshireHathawayHS.com has got you covered.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/6/how-to-get-your-pmi-cancelled.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Questions? Ask me today—I’m happy to help.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

With much more to New Mexico than desert landscapes, visitors are flocking to the state to discover its cultural offerings, stunning mountain scenery, and vibrant cities. Thinking about joining them? Explore the Summer 2024 issue of Berkshire Hathaway HomeServices Prestige magazine for tips on the best places to check out.

Read it here: https://issuu.com/uniquehomes2023/docs/bhhs_summer_2024/12?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Saving money can be tough, but having these accounts will go a long way toward making sure all your bases are covered.

5 Bank Accounts Every Family Should Have Having all of your family’s money in one bank account can make keeping track of your money easier, b...

Uncover the beauty of mountain living—serene views, fresh air, and endless outdoor adventures await you. Whether you’re seeking a homestead, vacation home, or rental investment, there's a perfect spot for you. Read more in this latest blog post.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/6/discover-the-appeal-of-these-popular-mountain-real-estate-locations.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Questions? Let me know! I’d love to hear from you.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

Learn how to effortlessly transform your yard into an eco-friendly oasis in this recent blog post on www.BerkshireHathawayHS.com. Discover the simple steps to creating a beautiful and beneficial rain garden, perfect for soaking up excess water and attracting wildlife.

Read it here: https://www.bhhs.com/content/bhhs/en/us/blog/blog-detail/2024/6/how-to-install-a-rain-garden.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Questions? Let me know! I’d love to hear from you.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

The desire to own property in this spectacular country is growing year by year. Overseas buyers are eager for a central Athens apartment or a slice of coastal paradise, and with the Golden Visa requirements changing, now is truly the best time to follow suit.

Learn more about Greece’s real estate sales and rental markets in the 2024 European Summer Report from Berkshire Hathaway HomeServices.

Read it here: https://issuu.com/bhhsevents/docs/european_summer_report_2024_issuu?fr=sZTE4ZjYzMTIyMzQ?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Have questions? Get in touch today!

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

Do you pay your credit card bill in full each month? If not, you could be throwing away cash-back bonuses.

Cash-Back Credit Card Mistakes to Avoid A cash-back credit card can result in 5 percent or more back on your purchases, essentially giving y...

Want to boost your home's value? Discover how landscaping can transform your property and attract buyers. Find out more in our latest blog post.

Read it here: https://www.bhhs.com/content/bhhs/en/us/blog/blog-detail/2024/6/how-much-does-landscaping-affect-home-value-.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

If you have any questions, feel free to reach out!

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

Today, luxury residential interiors are sparkling with the finest works created by expert glassblowers. And with contemporary artists pushing the boundaries of the medium, there’s much to discover. Find out more in the Summer 2024 issue of Berkshire Hathaway HomeServices Prestige magazine.

Read it here: https://issuu.com/uniquehomes2023/docs/bhhs_summer_2024/36?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Thinking of introducing some financial lessons to your children? Here's some helpful information.

What to Know Before Giving Your Kid a Debit Card Teaching your child about money by giving them a piggy bank or having them earn an allowance by doin...

Despite current market conditions, waiting to make a move might not be your best bet. That's just one of the insights discussed in The Key—a new regular feature that breaks down the most important real estate topics to provide you with actionable answers. Check out the first installment via the link below and don’t hesitate to reach out if you have any questions at all!

Learn more at https://www.bhhs.com//the-key/buy-now-or-wait?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=June2024 and don’t hesitate to reach out if you have any questions at all!



🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=June2024
📧 [email protected]

Looking to lower your mortgage payments without the hefty cost of refinancing? Find out how you can recast your mortgage and potentially save big. Learn more about this savvy financial move in our latest blog post.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/6/what-does-recasting-a-mortgage-loan-involve-.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Questions? Ask me today—I’m happy to help.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

From bedding to furniture, knowing the grams per square meter (GSM) can make all the difference in comfort and durability. Learn more about GSM and how it impacts your fabric choices in this latest blog post.

Read it here: https://www.bhhs.com/content/bhhs/en/us/blog/blog-detail/2024/6/the-importance-of-measuring-gsm-in-home-d%C3%A9cor-fabric.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024

Questions? Feel free to reach out—I’d love to help!

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2024
📧 [email protected]

Wishing you a spectacular Fourth of July filled with red, white, and blue pride. ❤🤍💙 As we enjoy the fireworks and festivities, let's honor the values of liberty, equality, and democracy that make America truly exceptional. Happy Independence Day! 🎆🌟

No. 1: Know your billing cycle start date.

How to Earn Credit Card Grace-Period Perks If you pay your credit card bill in full each month and don’t pay interest, you’re using your credit...

Curious about condos vs. co-ops? Explore the nuances of property ownership, investment potential, and the approval process in the latest post and discover which option aligns best with your lifestyle and goals.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/5/what%E2%80%99s-the-difference-between-a-condo-and-a-co-op-.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=June2024

Questions? Ask me today—I’m happy to help.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=June2024
📧 [email protected]

Say goodbye to your couch potato tendencies with these three alternatives.

3 Things to Do Instead of Watching TV Is your evening couch potato routine with your partner growing stale? It can be hard to find the ene...

Unlock the key to maximizing your return on investment (ROI) with our latest blog post on BerkshireHathawayHS.com. Delve into the 2% and 1% rules and understand how to optimize rental property investments, ensure positive cash flow, and facilitate long-term financial growth.

Read it here: https://www.bhhs.com/blog/blog-detail/2024/5/how-to-calculate-roi-for-a-rental-property.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=June2024

Questions? Ask me today—I’m happy to help.

🖥️ https://www.bhhs.com/penfed-realty-ks303/wichita/laurie-ray/cid-422894?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=June2024
📧 [email protected]

As the sun reaches its peak on the longest day of the year, we're reminded of the endless possibilities that summer brings. Let the warmth of the sun inspire you to embark on your journey to find your dream home. ☀️🏡 Ready to make a move? Get in touch today!

You might not be aware, but you can ask your credit card company to increase your limit. What home improvement project would you take on with a higher limit?

How to Ask for a Higher Credit Card Limit A higher credit limit can help in an emergency, allow you to make any necessary large purchases and ...