Ri Prasad Luxury Group

Ri Prasad Luxury Group Real Estate became a passion of mine with my recent home purchase, the bug hit hard and I have now t I invite you to contact Ri to discuss your next steps.

College freshman at 16
Real estate investor at 21
MBA candidate at 22
Managing a department of 200+ employees at 23
Heading the marketing department of a SAAS company at 24

Imagine what Ri Prasad can accomplish when she is on your side of the table at a real estate transaction. As your real estate broker, Ri’s highest priority is understanding and achieving your real estate goals. Neighborhood kn

owledge and market insight, along with outstanding personal service are the cornerstones of her business. As a part of one of the leading brokerages in the Chicagoland area, she can offer you advanced tools and resources. Whether you are buying or selling, she will provide guidance at each step of the way. Imagine what Ri Prasad can accomplish when she is on your side of the table at a real estate transaction.

08/15/2024

The public has a lot of misconceptions of REALTORS.

I have decided to educate my friends here.

The average FULL TIME REALTOR’s salary last year was $31,900 @ 40+ hours a week. (Notice I wrote full time 40+ hours not 0-20 hours a week) which is well below the living wage. As a REALTOR we do not get paid a hourly wage or salary and we only get paid if we sell a home and it closes. We can only get paid by broker to broker. As an agent you could work with someone days, weeks, months, or years with no guarantee of a sale ever.
Essentially we wake up each day unemployed going on Job Interviews and we deal with constant rejection. We dedicate time away from family, use our time, gas, pay for babysitters, miss dinner and weekends and seldomly take vacations. We are on 24/7! You constantly need to be on, or you could miss a opportunity. Once we do close a home, half goes to the other persons agent from the remaining half. We have lots of upfront expenses that must be paid out before we even get paid.

Broker Splits and Fees
Office rent and utilities
MLS Fees
NAR Fees
Local Association Fees
E&O Business Insurance
Extended Auto Insurance
Self-Employment Tax
State Licensing Fees
Advertising Fees
Showing Service Fees
Website Fees
Assistant's Salaries
Showing partners
Transaction coordinator
Yard Signs
Photographers
Videographers
Office Supplies
Business Cards
Property Flyers
Electronic Lockboxes
Continued RE Education
Legal Fees
Gas
Income taxes are not taken out so we have to put that aside around 25-30%.

As a listing agent we have lots of tasks far more then just selling a home.

1. Prepare Listing Presentation for Sellers
2. Research Sellers Property Tax Info
3. Research Comparable Sold Properties for Sellers
4. Determine Average Days on Market
5. Gather Info From Sellers About Their Home
6. Meet With Sellers at Their Home
7. Get To Know Their Home
8. Present Listing Presentation
9. Advise on Repairs and/or Upgrades
10. Provide Home Seller To-Do Checklist
11. Explain Current Market Conditions
12. Discuss Seller’s Goals
13. Share Your Value Proposition
14. Explain Benefits of Your Brokerage
15. Present Your Marketing Options
16. Explain Video Marketing Strategies
17. Demonstrate 3D Tour Marketing
18. Explain Buyer & Seller Agency Relationships
19. Describe the Buyer Pre-Screening Process
20. Create Internal File for Transaction
21. Get Listing Agreement & Disclosures Signed
22. Provide Sellers Disclosure Form to Sellers
23. Verify Interior Room Sizes
24. Obtain Current Mortgage Loan Info
25. Confirm Lot Size from County Tax Records
26. Investigate Any Unrecorded Property Easements
27. Establish Showing Instructions for Buyers
28. Agree on Showing Times with Sellers
29. Discuss Different Types of Buyer Financing
30. Explain Appraisal Process and Pitfalls
31. Verify Home Owners Association Fees
32. Obtain a Copy of HOA Bylaws
33. Gather Transferable Warranties
34. Determine Need for Lead-Based Paint Disclosure
35. Verify Security System Ownership
36. Discuss Video Recording Devices & Showings
37. Determine Property Inclusions & Exclusions
38. Agree on Repairs to Made Before Listing
39. Schedule Staging Consultation
40. Schedule House Cleaners
41. Install Electronic Lockbox & Yard Sign
42. Set-Up Photo/Video Shoot
43. Meet Photographer at Property
44. Prepare Home For Photographer
45. Schedule Drone & 3D Tour Shoot
46. Get Seller’s Approval of All Marketing Materials
47. Input Property Listing Into The MLS
48. Create Virtual Tour Page
49. Verify Listing Data on 3rd Party Websites
50. Have Listing Proofread
51. Create Property Flyer
52. Have Extra Keys Made for Lockbox
53. Set-Up Showing Services
54. Help Owners Coordinate Showings
55. Gather Feedback After Each Showing
56. Keep track of Showing Activity
57. Update MLS Listing as Needed
58. Schedule Weekly Update Calls with Seller
59. Prepare “Net Sheet” For All Offers
60. Present All Offers to Seller
61. Obtain Pre-Approval Letter from Buyer’s Agent
62. Examine & Verify Buyer’s Qualifications
63. Examine & Verify Buyer’s Lender
64. Negotiate All Offers
65. Once Under Contract, Send to Title Company
66. Check Buyer’s Agent Has Received Copies
67. Change Property Status in MLS
68. Deliver Copies of Contact/Addendum to Seller
69. Keep Track of Copies for Office File
70. Coordinate Inspections with Sellers
71. Explain Buyer’s Inspection Objections to Sellers
72. Determine Seller’s Inspection Resolution
73. Get All Repair Agreements in Writing
74. Refer Trustworthy Contractors to Sellers
75. Meet Appraiser at the Property
76. Negotiate Any Unsatisfactory Appraisals
77. Confirm Clear-to-Close
78. Coordinate Closing Times & Location
79. Verify Title Company Has All Docs
80. Remind Sellers to Transfer Utilities
81. Make Sure All Parties Are Notified of Closing Time
82. Resolve Any Title Issues Before Closing
83. Receive and Carefully Review Closing Docs
84. Review Closing Figures With Seller
85. Confirm Repairs Have Been Made
86. Resolve Any Last Minute Issues
87. Attend Seller’s Closing
88. Pick Up Sign & Lock Box
89. Change Status in MLS to “Sold.”
90. Close Out Seller’s File With Brokerage

As a buyers agent we also have many tasks.

1. Schedule Time To Meet Buyers
2. Prepare Buyers Guide & Presentation
3. Meet Buyers and Discuss Their Goals
4. Explain Buyer & Seller Agency Relationships
5. Discuss Different Types of Financing Options
6. Help Buyers Find a Mortgage Lender
7. Obtain Pre-Approval Letter from Their Lender
8. Explain What You Do For Buyers As A Realtor
9. Provide Overview of Current Market Conditions
10. Explain Your Company’s Value to Buyers
11. Discuss Earnest Money Deposits
12. Explain Home Inspection Process
13. Educate Buyers About Local Neighborhoods
14. Discuss Foreclosures & Short Sales
15. Gather Needs & Wants Of Their Next Home
16. Explain School Districts Effect on Home Values
17. Explain Recording Devices During Showings
18. Learn All Buyer Goals & Make A Plan
19. Create Internal File for Buyers Records
20. Send Buyers Homes Within Their Criteria
21. Start Showing Buyers Home That They Request
22. Schedule & Organize All Showings
23. Gather Showing Instructions for Each Listing
24. Send Showing Schedule to Buyers
25. Show Up Early and Prepare First Showing
26. Look For Possible Repair Issues While Showing
27. Gather Buyer Feedback After Each Showing
28. Update Buyers When New Homes Hit the Market
29. Share Knowledge & Insight About Homes
30. Guide Buyers Through Their Emotional Journey
31. Listen & Learn From Buyers At Each Showing
32. Keep Records of All Showings
33. Update Listing Agents with Buyer’s Feedback
34. Discuss Home Owner’s Associations
35. Estimate Expected Utility Usage Costs
36. Confirm Water Source and Status
37. Discuss Transferable Warranties
38. Explain Property Appraisal Process
39. Discuss Multiple Offer Situations
40. Create Practice Offer To Help Buyers Prepare
41. Provide Updated Housing Market Data to Buyers
42. Inform Buyers of Their Showing Activity Weekly
43. Update Buyers On Any Price Drops
44. Discuss MLS Data With Buyers At Showings
45. Find the Right Home for Buyers
46. Determine Property Inclusions & Exclusions
47. Prepare Sales Contract When Buyers are Ready
48. Educate Buyer’s On Sales Contract Options
49. Determine Need for Lead-Based Paint Disclosure
50. Explain Home Warranty Options
51. Update Buyer’s Pre-Approval Letter
52. Discuss Loan Objection Deadlines
53. Choose a Closing Date
54. Verify Listing Data Is Correct
55. Review Comps With Buyers To Determine Value
56. Prepare & Submit Buyer’s Offer to Listing Agent
57. Negotiate Buyers Offer With Listing Agent
58. Execute A Sales Contract & Disclosures
59. Once Under Contract, Send to Title Company
60. Coordinate Earnest Money Drop Off
61. Deliver Copies to Mortgage Lender
62. Obtain Copy of Sellers Disclosure for Buyers
63. Deliver Copies of Contract/Addendum to Buyers
64. Obtain A Copy of HOA Bylaws
65. Keep Track of Copies for Office File
66. Coordinate Inspections with Buyers
67. Meet Inspector At The Property
68. Review Home Inspection with Buyers
69. Negotiate Inspection Objections
70. Get All Agreed Upon Repair Items in Writing
71. Verify any Existing Lease Agreements
72. Check In With Lender To Verify Loan Status
73. Check on the Appraisal Date
74. Negotiate Any Unsatisfactory Appraisals
75. Coordinate Closing Times & Location
76. Make Sure All Documents Are Fully Signed
77. Verify Title Company Has Everything Needed
78. Remind Buyers to Schedule Utilities
79. Make Sure All Parties Are Notified of Closing Time
80. Solve Any Title Problems Before Closing
81. Receive and Review Closing Documents
82. Review Closing Figures With Buyers
83.Confirm Repairs Have Been Made By Sellers
84. Perform Final Walk-Through with Buyers
85. Resolve Any Last Minute Issues
86. Get CDA Signed By Brokerage
87. Attend Closing with Buyers
88. Provide Home Warranty Paperwork
89. Give Keys and Accessories to Buyers
90. Close Out Buyer’s File Brokerage

Whew…exhausting isn’t it!?! 🤯

You don't need to buy or sell a home to support my real estate business – here are just a few simple ways to show your support!⁣ By sharing one of my listings, sending a friend or family member my way, letting me connect you with agents outside my area for a broker to broker referral, or leaving me a positive comment or review, this helps me feel seen and supported - (thanks to you)!.

And that... That’s exactly what friends are for. I support my friends in business and I hope you will help support me too.
⁣
Thank you to all of you who have shown so much support to me and my business. It means the world to me and does not go unnoticed! 🤍🩵☀️.

Historic high point for median sales pricesThe median sales price among MRED residential listings reached $358,500 last...
06/25/2024

Historic high point for median sales prices
The median sales price among MRED residential listings reached $358,500 last week. That total was a 4% week-over-week increase to go along with a 16% year-over-year jump. The $358,500 mark also bested the largest recorded total in at least the last four years that was previously set two weeks ago.

This week was a yoyo but it looks like its finishing with a slight drop in rates. I’m happy to report that in most cas...
06/15/2024

This week was a yoyo but it looks like its finishing with a slight drop in rates. I’m happy to report that in most cases, we’re back under 7%!

Another day of cooling inflation data has mortgages back to trading near recent highs. PPI printed -.2% vs the consensus estimate of .1%, pushing the annualized pace to 2.2%. The May print marks the biggest decline in producer prices in seven months. Weekly Jobless claims also rose more than expected as initial claims came in at +242k vs 225k, expected and continuing claims were 1820k vs 1795k expected. While higher jobless claims and cooler inflation are welcome by folks betting on Fed rate cuts, one month’s worth of data doesn’t quite establish a trend and with rates near the bottom of the recent trading range here.

Next week we get Retail Sales, but meaningful data to the Fed is two weeks away….my sense is the market will remain within this range until at least then.

Fed Holds Rates Steady, Again: What This Means for Mortgage Rates in 2024In an unsurprising move, the Federal Open Marke...
06/14/2024

Fed Holds Rates Steady, Again: What This Means for Mortgage Rates in 2024

In an unsurprising move, the Federal Open Market Committee (FOMC) announced on June 11 after its latest two-day policy meeting that officials voted unanimously to leave the benchmark federal funds rate unchanged. The federal funds rate is the overnight borrowing rate for commercial banks and credit unions and indirectly influences mortgage rates.

The decision marks the seventh consecutive meeting in which the FOMC has kept its policy rate steady between 5.25% and 5.5%.

Over the past two years, mortgage rates have skyrocketed to their highest levels in decades amid the Fed’s efforts to tame inflation through aggressive interest rate policy actions.

Though many housing industry experts predicted mortgage rates would begin to recede in 2024 as the Fed implemented rate cuts, mortgage rates have surged. This is due partly to signals that the Fed will need to hold rates “higher for longer” as a result of hotter-than-expected inflation readings and a strong labor market.

The Fed remains cautious about changing the rate while it monitors inflation. During a press conference, Powell reiterated that the Fed remains “strongly committed to returning inflation to our 2% goal in support of a strong economy that benefits everyone.”

Today's national mortgage interest rate trendsFor today, Friday, June 14, 2024, the current average interest rate for a ...
06/14/2024

Today's national mortgage interest rate trends
For today, Friday, June 14, 2024, the current average interest rate for a 30-year fixed mortgage is 7.00%, falling 3 basis points from a week ago. If you're planning to refinance, the national interest rate for a 30-year fixed refinance is 6.99%, falling 5 basis points over the last week. Meanwhile, today's current average 15-year fixed refinance interest rate is 6.47%, decreasing 11 basis points over the last seven days. For now, the consensus is that mortgage rates will ease down in 2024. Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to compare offers.

🎉📰 A HUGE Thank You to The New York Times! 📰🎉The New York Times featured our client, their journey through the current r...
06/08/2024

🎉📰 A HUGE Thank You to The New York Times! 📰🎉

The New York Times featured our client, their journey through the current real estate market, and how our brokerage (and , our fearless leader) goes above and beyond to serve the community. Seeing their stories highlighted in such a renowned publication is truly a testament to the challenges they are facing in the current market.

I also want to take a moment to express my deepest appreciation to my dedicated team. In this dynamic and competitive market, their hard work, dedication, and unwavering commitment to our clients shine brightly. They make the seemingly impossible appear effortless with their expertise, professionalism, and tireless efforts.

Navigating the real estate landscape in today's world is no small feat, but my team tackles it head-on with grace and determination. Each member brings a unique set of skills and a passion for helping our clients find their perfect home. I couldn't be prouder of the incredible work they do every single day.
So here's to The New York Times for showcasing our clients' stories, and here's to my exceptional team for making it all possible.

https://www.nytimes.com/2024/06/02/realestate/housing-market-rates-prices-slow.html?fbclid=IwZXh0bgNhZW0CMTEAAR2z6k4p9trKJKZrj_E-Lzm0L2jkfgKJ1DliKusPt7t5TQ8kKx_vhx-aVpM_aem_AbIQj8QwxMPcI1_wIgP0tqjn1aUBs5IBpvJx_qTHbmPe4QyeGflUG4JsaFOMpYn6gogKGEnGLpHGmKDiihnRG8fJ

The first week of June started with a bang! We had 4 solid days in the bond market which really helped mortgage rates. ...
06/07/2024

The first week of June started with a bang! We had 4 solid days in the bond market which really helped mortgage rates. Notice how I didn’t say 5 solid days? Today's employment numbers just came out much stronger than anticipated. They expected 180K new jobs but $272K were reported. Great news for the unemployed, not great news for rates. An overall strong report, with the only exception being the Unemployment Rate which rose to 4.0% vs 3.9%. Nonetheless, with the hot employment, no doubt takes a July rate cut completely off the table and bonds are retreating back to their higher-for-longer stance. Buyers SHOULD lock in an interest rate ASAP because, at least at GUARANTEED RATE Bestler at Guaranteed Rate, NMLS ID: 150655 , if rates improve .25% or more prior to closing, she will get them a lower rate. Its truly the best of both worlds- You’re protected if rates continue to climb, yet you can take advantage if rates drop!

HAVE YOU WANTED TO HOUSE HACK?7746 Tripp Avenue Skokie, IL 60076Ri Prasad (773) 724-9130OPEN HOUSE SUNDAY JUNE 9 12-2PMT...
06/07/2024

HAVE YOU WANTED TO HOUSE HACK?
7746 Tripp Avenue Skokie, IL 60076
Ri Prasad (773) 724-9130
OPEN HOUSE SUNDAY JUNE 9 12-2PM

The rental income option many are considering one of the easiest strategies the get rich and grow your portfolio.

House hacking is very popular nowadays. Many are doing it with successful outcomes and the lucrative alternative is being promoted to newbie investors as a lowkey risk option to invest in real estate. House hacking is mainly being able to rent portions of your home (a unit in multi-unit building) for a profit to help cover expenses. According to forbes.com home sales prices are continuing to rise but surprisingly, rental rates have increased dramatically after covid lockdowns came to an end which could increase home sales in 2022 and on.

In the beginning house hacking was a great way to slash your housing costs or as many would say, to live for free but in the past decade, house hacking has been on the rise with no sign of slowing down. Why own one asset when you can own two or three to increase your cash flow. Savvy investors advise that you can start owning assets by purchasing affordable homes at the beginning that are in your price range then gradually invest in more luxurious-looking houses. The more bedrooms the better.
Is House Hacking For Me?

House hacking is highly recommended to those looking to earn a passive income and it’s considered a valuable option as a means to retire early. It's all about being able to generate a cash flow to cover all your monthly expenses, this method can also generate additional revenue to build your wealth. Successful house hacking depends on location and security. It does have a lot of benefits but there are also other details to consider first before deciding if this is the best option for you.
Who Can Help Me?

As a expert in residential real estate, real estate investments, and a house hacker herself; Ri is your local expert who can guide you through every step of the process. Contact her today to set up a quick 15 minute appointment to begin your journey to real estate investing.

https://www.riprasad.com/buyers/house-hacking-101/

https://www.riprasad.com/property-search/detail/28/12075834/7746-tripp-ave-skokie-il-60076/

30-year fixed-rate mortgage trends over timeFor some perspective on today’s mortgage interest rates, here’s how average ...
06/03/2024

30-year fixed-rate mortgage trends over time

For some perspective on today’s mortgage interest rates, here’s how average 30-year rates have changed from year to year over the past five decades.
Will mortgage rates go back down?

Extremely high prices and an overall strong economy have led the Federal Reserve to take drastic measures, implementing a rapid succession of rate increases unseen since the early 1980s.

These measures have involved four historic rate hikes of 75 basis points (0.75%), executed in June, July, September, and November of 2022. Although fixed mortgage rates are not controlled by the Fed, their actions have undeniably contributed to a significant upward push in these rates.

In December 2022, the Federal Reserve made the decision to dial down the pace of interest rate hikes, cutting the fed funds rate by only 50 basis points (0.50%). This trend of dialing back has persisted into 2023, evidenced by four adjustments of 25 basis points (0.25%) in January, March, May, and late July. As a result, the current federal funds rate now sits in a range of 5.25% to 5.50%.

As the spring home buying season heats up, the 2024 outlook for mortgage rates is mainly optimistic, although most experts expect only a small decline. The Mortgage Bankers Association (MBA) anticipates that 30-year mortgage rates will range between 6.1% and 6.8% in 2024, a forecast echoed by NAR, which also predicts rates to hover within the 6.1% to 6.8% range.

The budget deficit remains high, and the various inflation metrics remain above the comfort level. That means the mortgage rates will likely be in the 6% to 7% range for most of the year. — LAWRENCE YUN, CHIEF ECONOMIST AT THE NATIONAL ASSOCIATION OF REALTORS

Many are speculating about where rates will go in the next year or two. Most forecasting models predict that mortgage rates will remain above 6% in 2024, potentially dropping further in 2025. Whether or not the Federal Reserve loosens its monetary policy will play a significant role in determining the direction of interest rates. The next two-day FOMC meeting is June 11-12.

As a borrower, it doesn’t make much sense to try to time your rate in this market. Our best advice is to buy when you’re financially ready and can afford the home you want — regardless of current interest rates.

Remember that you’re not stuck with your mortgage rate forever. If rates drop significantly, homeowners can always refinance later on to cut costs.

Historical mortgage rates chartCurrent rates are more than double their all-time low of 2.65% (reached in January 2021)....
06/02/2024

Historical mortgage rates chart

Current rates are more than double their all-time low of 2.65% (reached in January 2021). But if we take a step back and look at rates over the long term, they’re still close to the historic average.

Freddie Mac — the main industry source for mortgage rates — has been keeping records since 1971. Between April 1971 and May 2024, 30-year fixed-rate mortgages averaged 7.74%.

Just another crazy week in the history of US politics as we begin the second half of 2024. On the interest rate side, r...
06/01/2024

Just another crazy week in the history of US politics as we begin the second half of 2024. On the interest rate side, rates have bounced back up over the last couple of weeks, again on fears that inflation is not coming down to the Fed’s 2% target. The minutes from the May 1 Fed meeting released on Wednesday revealed no significant surprises. The consistent message continues to be that officials are in no hurry to cut interest rates. They prefer to wait for "greater confidence" that inflation will continue on a path down to their target level of 2.0%. Based on recent speeches, this suggests a minimum of three months of data indicating that the downward trend has resumed. Most investors now anticipate that the first rate cut will take place in September. This coming Friday is the jobs report and the following week is our next look at inflation with CPI and PPI, the key metrics the Fed is looking to figure out when to start cutting rates.

In the housing sector, sales of existing homes in April fell 2% from March, slightly below the consensus forecast, and were a little lower than last year at this time. The median existing-home price of $407,600 was up 6% from last year at this time, at a record high for the month of April. Inventory levels remain stuck near historic lows, standing at just a 3.5-month supply nationally, far below the 6-month supply typical in a balanced market. One interesting note is that both inventory levels and sales of homes priced over $1 million were up roughly 40% from last year at this time. Sales of new homes, which make up about 15% of the total market, fell much more than expected from March and were 8% lower than a year ago.

To rent or to buy… 🤔While it may be cheaper to rent in some areas, there are enormous benefits to choosing homeownership...
05/02/2024

To rent or to buy… 🤔

While it may be cheaper to rent in some areas, there are enormous benefits to choosing homeownership.

When you buy you’re:
1️⃣ Escaping the cycle of rents rising each time you renew a lease (see graph below).
2️⃣Investing in yourself, not your landlord.

Share this with the people in your sphere who may be asking themselves this question right now 👉 bit.ly/KCMRentVSBuy

Listen to your wife.
04/21/2024

Listen to your wife.

I don’t think this home is for you….. let’s go to the next house.
04/17/2024

I don’t think this home is for you….. let’s go to the next house.

Imagine if your current rent could be the DOWN PAYMENT ON YOUR NEW HOME? 😲Paying $1500 in monthly rent would equal $18,0...
04/16/2024

Imagine if your current rent could be the DOWN PAYMENT ON YOUR NEW HOME? 😲

Paying $1500 in monthly rent would equal $18,000 after just ONE year.

$18,000 could be the 3% down payment on a $600,000 home!

Now imagine after OWNING this home for 1 year… it increased in value by 5%. That is a $30,000 increase in just one year!!! 🤯🤯🤯

This is possible… you just need a game plan - and I can help you with that!

📷 ! Illinois REALTORS® from throughout Illinois gathering in Springfield, April 9 and 10, for the annual Capitol Conf...
04/15/2024

📷 ! Illinois REALTORS® from throughout Illinois gathering in Springfield, April 9 and 10, for the annual Capitol Conference, plus a couple other events such as an Illinois YPN Program and the REALTOR® of the Year Banquet. RPAC Hall of Fame Inductees were also honored. REALTORS® represented Illinois homeowners and commercial real estate as powerful advocates for property rights. the annual REALTOR® Capitol Conference is an example of grassroots advocacy at its best. I was so honored to represent the Chicago Association of Realtors as a part of the 2024 Leadership Accelerator Class as well as the 2024 CAR 77 Vice Chair and CAR Sustainability Committee member. “Your advice does matter. You’re going to make a difference,” said Illinois House Speaker Emanuel “Chris” Welch. Hundreds of REALTORS® arrived in Springfield early Wednesday morning for the 2024 Illinois REALTORS® Capitol Conference Pre-Show. Speaker Welch thanked REALTORS® for their support and for their ideas to help improve housing options for all and to lift the economy. Following Speaker Welch, Pat Dwyer took the stage. He used his flair for humor to emphasize ways for REALTORS® to lead through resilience, innovation and adaptability.

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SHOULD YOU SHAVE YOUR DOG? Whether or not you shave your dog depends a lot on the type of coat they have and what their breed needs. SINGLE-COATED DOGS: For some single-coated dogs, shaving can be helpful, especially if they have long hair that gets too thick in the summer. But even for breeds with only one coat, it’s important to leave enough fur on them to keep their skin safe from bug bites and sunburn. Most of the time, regular grooming and trimming is enough to keep them comfortable. DOUBLE-COATED DOGS: It is usually not a good idea to shave dogs with two coats. The undercoat and topcoat protect the dog and keep it at the right temperature. Shaving can mess up this natural insulation, which can make you overheat and make you more likely to get sunburned. Taking off the dog’s protective topcoat can also irritate its skin and make it more likely to get bitten by bugs. After shaving, the coat might not grow back right, and it might look patchy or uneven, which can make it less protective. RISKS OF SHAVING DOUBLE-COATED DOGS TEMPERATURE REGULATION ISSUES: The dog’s double coat naturally keeps it warm, but shaving it away makes it harder for the dog to keep its body temperature stable. SUNBURN AND SKIN DAMAGE: Without the topcoat, the dog’s skin is exposed to UV rays, which make sunburn and skin cancer more likely. INCREASED HAIR LOSS: In a strange way, shaving can sometimes make hair fall out more because it tries to grow back. COAT DAMAGE: The coat might grow back in a different way or with a different texture, which could make it less effective at protecting the animal. BEHAVIORAL CHANGES: Some dogs may act differently when they don’t have their coat to protect them because they feel more vulnerable or anxious.

Game changer for me has been going “Do Not Disturb” in the mornings. What was a game changer for you and your productivity?

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