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With all these wedding posts, you might overlook that fact that I'm first and foremost a DJ. While my blog has been a destination for all things related to weddings, every now and then, it's always good to bless it with the language of music.
With no further ado...please press play...and 'till death do us party!
This post and playlist was done in collaboration with Rosey Gonzales
You're probably wondering what a realtor has to do with weddings. Well if you take a good look at it, buying a home and laying out your finances is a topic of discussion that will eventually (if it hasn't already) come up. This topic can benefit greatly from the assistance of an professional.
Realtor Ronnie Lou Hernandez was great to take some time to answer a few of our questions and provide some insights into buying a home and some financial planning tips.
This post is a great read for our "soon to be wed" couples and every other person that is speculating buying a home or in need of financial direction.
1762 Technology Dr #106 San Jose, CA 95110
C (408) 6442817 │BRE 01701985 Ronnie@equityonerealestate.com │equityonerealestate.com
What is your job title and what do you do?
I am a Realtor. I assist people with purchasing and selling residential and commercial Real Estate. I also assist with Real Estate investments and Real Estate planning
How long have you been in your particular field?
I have been a licensed Realtor since 2005.
What is the benefit of having a real estate agent and financial planner?
There are many benefits of using a Real Estate agent. A good agent will have current market knowledge and will be able to provide information of desired locations. They will also be able to provide you information, and be knowledgeable about how to purchase or sell a home. There are many moving parts to a Real Estate transaction and if you do not know what you are doing, you as a consumer can be liable and potentially lose money trying to purchase or sell Real Estate. Your Real Estate agent will protect you from all liabilities and will be able to advise you in current market conditions. Your Real Estate agent should have good negotiating skills to be able to negotiate the best possible deal for you. They also should have a good network of other Real Estate associates and Real Estate friends to be able to find the best off market and on market deals. Your Real Estate agent should educate you with a strategy and a game plan to be a successful buyer or seller. The Silicon Valley is one of the most complex Real Estate markets in nation and it takes more than just money to be able to buy a home.
How do I figure out what type of mortgage makes sense?
You would first need to sit down with a qualified mortgage lender. The lender will be able to sit down with you and be able to let you know how much of a loan you will qualify for. Depending on what your goals are, if you are looking for a long term home to live in, or a short term investment property to produce cash flow, can determine what type of mortgage you should get. Ultimately your mortgage will be based upon the following:
- Credit score
- Down payment
- Assets
- Income
- Liability
Tips for effective and successful financial planning
Keep it simple. Spend less. Make more. Surround yourself with people smarter than you. Surround yourself with trusting financial people who can educate you to make good financial decisions.
Things to consider when buying a home?
Most important, do not over spend or over leverage for your home. Make sure your monthly mortgage is manageable. Have good reserves/savings in case something happens to your monthly income and you need time to bounce back. Consider the school district for re-sale value. Consider the current interest rates. Interest rates could be a determining factor of how much of a home you can buy and determining sale prices. Use a Realtor and make sure you trust that Realtor... aka Ronnie Lou Hernandez from EQ1 Real Estate ;)
Money saving tips that can be implemented now or how to deal with credit/debt?
Simple... Set a goal of how much you want to save per month, and stop spending on unimportant things. Cut back on "being cool" for awhile. For me personally, I need to stop eating out! lol. Really, look back at your bank account statements and look at how much money is spent on food. You will be surprised on how much you spend on eating out, and how much you can save by cooking at home...and how much weight you can lose! Create a budget for yourself and give yourself a strict allowance per month/per week... Save the rest. Set a goal of how much you would like to save and follow through with that goal. Believe you can do it! As far as credit goes, start off by pulling your own credit. You will never know what is on that credit report till you actually pull it yourself and find out what your score is. From there... call me and we can take the next step! :)
We are sure that once the big question was asked (or even waaay before that) you had your pins all set up on your Pinterest account. Well, here are a few more accounts to take a gander at and perhaps fuel another spark of inspiration or two.
Please feel free to share and/or comment below!
*Top Pinner to follow Huffington Post - 2013, Buzzfeed - 2014* Inspiration comes from exquisite beauty to cheeky awesomeness. Find your passion run with it.
Because you are truly. madly. deeply. head over heels in love! Wedding inspiration,fashion trends, DIYs, home decor, yummy recipes, babies, music + fun finds
Oncewed.com is an online publication for organic and elegant weddings. Search 12,000+ discounted wedding dresses(up to 90% off) for sale in our online store.
Using creativity as currency to rock a bad-ass wedding (and life!) without breaking the bank.
Bridal Musings is a chic & unique wedding blog featuring real weddings, inspired ideas, bridal beauty, DIY projects & wedding films. Pretty pins by Elizabeth
We're MODwedding® your top daily #wedding destination: Wedding Ideas, Wedding Fashion, and Planning Tips. Celebrated by brides + grooms worldwide.
Inspiring brides & grooms with real weddings, colour palettes, ideas & advice. Delighted to be one of Huffington Post's & Vogue Paris' Pinners to follow in 2013
This post done in collaboration with Rosey Gonzales
A wedding planner can be a saving grace for you. Resourceful, insightful and dedicated to being of service - they are your best friends when mapping out the big day.
In this post we did a short Q&A interview with three wedding planners. In brief, we were able to learn more about them and hear about some ideas they have. Feel free to contact them with any additional questions.
And as usual - please comment and/or share this post!
Life's First Impressions
Latisha pictured on the left Email: santos.latishag@gmail.com
What do you enjoy about wedding planning?
I enjoy everything about it but if I had to choose one thing, it would be at the end of the wedding when the Bride & Groom thank you for making their special day a success. We did our job.
How long have you been in the wedding industry?
I have been in the wedding industry for 2 years. I coordinated about 8 weddings last year. This year, we coordinated our biggest wedding with 480 guests at Treasure Island in San Francisco. Athena Herrera, the owner, started out company 14 years ago.
What is important to look for in a vendor?
Personality, experience, and trust. A vendor that has a good personality shows their work ethics. People want to work with vendors who they can get along with and coordinate with. Experience is important. Practice makes perfect, you continue to learn with each gig. And trust... Trust that each vendor does their part for the wedding - time management, performance, and execution.
What are some money saving tips for a wedding?
Be open to suggestions of ideas and referrals of vendors from your wedding coordinator, family, and friends. Most likely, they have experience with who they suggest to you.
What is the name of your company or company you work for?
What do you think makes a perfect wedding?
There is no perfect wedding but there is a successful one! As long as the bride and groom are happy and satisfied, it is the perfect wedding to them.
Lead Event Coordinator at Prestigious Planning
Email: f_lagpacan@hotmail.com
What do you enjoy about wedding planning?
What I enjoy most about my job is making the clients happy. I love seeing all the vendors come together and making sure the event runs smoothly as possible.
How long have you been in the wedding industry?
7 years
What is important to look for in a vendor?
Connection is the main key to finding the right vendor. If you don't have a connection with them, they won't understand what you want. You want to be able to be comfortable with them because you're trusting them with your special day.
What are some money saving tips for a wedding?
Less is more: You may want a big centerpiece for your tables but that will obstruct the view of your guest seeing each other across the table. Talk to your vendor about compromising your centerpiece such as: how do I get this look for a lesser price. You can compromise on decorations for a bigger bar tab or check out Pinterest for a lot of DIY projects you can do with your wedding party. Do your research before you jump into booking everything, it may be exciting to get everything done right away but sometimes if you wait you can get a better deal.
What is the name of your company?
Prestigious Planning | Wedding & Events based in San Jose, CA
What do you think makes a perfect wedding?
When your clients are having fun and not stressing over the little details of the wedding. It makes it all worth it in the end: happy clients, new and old vendor relationship bond and another memorable wedding for the books.
Weddings by My-Dung
Email: weddings@mydungtran.com
What do you enjoy about wedding planning?
I love the opportunity to meet with new couples and to learn about them. Meeting new people always fascinates me and I love hearing about their journey together as a couple, their hopes, dreams, and vision for the wedding. Wedding planning is super stressful but it gives me great joy knowing that I’m able to take off that stress and worry from the couple so that they can fully enjoy and be in the moment with each other on their special day. And I just love seeing the couples smiling and having a good time - it definitely warms my heart and re-energizes me!
How long have you been in the wedding industry?
About 5 years
What is important to look for in a vendor?
True, it’s important to look for vendors that fit your budget and understand your vision. But I think what’s MOST important is to have chemistry with the vendors that you book. You’ll be working with these vendors for the months (and sometimes year) leading up to your wedding day. You want to make sure that it’s a vendor that you are comfortable with and that you can trust.
What are some money saving tips for a wedding?
You definitely want to first prioritize the different vendor categories. Decide what is most important to you and what will help to make it a fun and memorable night for each other and your guests. Once you’ve done that, then work on a budget and STICK to it! Create a “must have/must do,” “would like to have/would like to do,” and a “would like to, but absolutely not necessary” lists. This will help you prioritize what’s most important so that you don’t end up spending money on things not important to you.
What is the name of your company?
Weddings by My-Dung (pronounced My-Young, as in “my young lady”)
What do you think makes a perfect wedding?
The perfect wedding is one shared with family and friends whom you love and care about. It is definitely one filled with laughter. Advice to the couples out there is to just “let go” on your wedding day. You’ve done all the planning and have done all that you can up to your wedding day. Just let go, be in the moment, and enjoy it with the people around you. Your guests will not walk away remembering the details of your wedding, but they will definitely remember how much of a great time they had with the married couple.
This post was done in collaboration with Rosey Gonzales
Make no mistake - planning a wedding requires some serious dough. It makes sense to have a wedding budget locked into place so things don't get out of hand. Realistically though, anything can happen and unforeseen expenses can rear it's head on your checkbook. Hence, a deal can make a huge difference -- so we did a little digging and found some for you! Click on the photos below to view the deals. Make sure to act quickly, if you find a deal you like.
Did you happen to come across an amazing deal yourself? Feel free to share in the comment box below. And also feel free to share this post with others!
P.S. A discount is offered if you book me for an event or wedding in the months of Oct - Feb. Please click here to inquire further
This post was done in collaboration with Rosey Gonzales
