Nikki Bee RealTea

05/17/2024

New listing! Check it out and share it! Only $127.5k in Decatur.

https://nicolebalthazar.valleymls.com/homes-for-sale/1803-College-Street-Se-Decatur-AL-36701-370720635

01/30/2024

🚨Business Tips🚨 Buy a house and get a 15 year fixed mortgage rather than a 30 year mortgage. Saves a lot of money in interest over the life of the loan. If you must get the 30 year mortgage, verify that there is no prepayment penalty. This gives you the flexibility of paying it off early if you are able. But it also gives you the option of making lower payments when times are tough...

When you start your job, get an HSA account and not FSA and get the high deductible health insurance. It will lower your tax bracket and the money is yours to use. You also earn 40% in most cases after 10k!!!

Never buy a car brand new! I’ve watched Escalades go from 100k (new) to 35k four years later. 🚙

Get you an LLC (incorporate your name!!) and run it as an S Corp. Add yourself and your kids as employees and avoid pay the 15.3% self-employment tax. Remember Jay-Z quote “I’m not a Businessman I’m a Business Maaaaaaaan....” Let that sink in.
Build business credit! The loans are bigger and the interest rate is lower.

Once your LLC has been established you can then hire your children and pay them an annual salary up to $12,400 which serves a tax break for you and lowers your yearly liability, at that point your children can use their earnings to pay for things like their tuition, school trips and any other activity or upkeep that you were originally going to be financially responsibility for so their needs are met, you're assisting them in establishing a good work ethic but more importantly you're decreasing your taxes and keeping more of your earning in house

Get a business bank account (in most cases this costs around $500 to start). Some people got two stimulus checks and the SBA. Also no fees. Recently some got the PPP or EIDL

Go to Community College first and transfer into a four year college (unless you have scholarships to help mitigate the costs) as a Junior. School is a power move you must be able to secure the bag. Majors in STEM will always be needed, are in high demand and the skills can directly help the community. 🎓

Get life insurance for you (whole life) and your children (term) as soon as they are born (one thing is for sure is we will die..might as well leave your kids or family something extra). The sooner you get it, the cheaper it is. And you can borrow against it to fund certain projects. Also, the ones that pay out dividends are the best! They normally are associated with the market (money market accounts). IUL’s are great! 💰

Get the people in your immediate family to save collectively! If 10 people save $500/month, that’s 60k every year. You could buy 3 starter homes (depending on your market) every year and in 4 years all ten of you are home owners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!). 🏠

We need to promote financial literacy. Building capital and creating equity to create generational wealth. Having financial freedom is everything! This is not being taught in the school curriculums or our education systems! We must do it ourselves!

***I need 10 people to copy and repost this on their pages and groups and spread financial literacy!

01/14/2024

On a roll! Episode 2 Season 3 ✌🏾 Published.
Topic: Mind Your Business

Listen to Nikki Bee RealTea on RedCircle

01/07/2024

Starting off the year with a very interesting topic
(side bar: AI photo generation is amazing and fun lol)

Season 3 Episode 1
https://stream.redcircle.com/episodes/ecfbddb6-0087-4c6f-962a-30909ab3f20f/stream.mp3

10/28/2023

💰 Thinking about selling your property? Let's talk about cost-saving tips for sellers! Getting your home ready to sell doesn't have to break the bank. 🏡💡

One key tip: declutter and stage your home. A clean, organized space not only looks more appealing but can also save you money on unnecessary renovations. Plus, it helps potential buyers envision their future in your home. 🌟 Stay tuned for more money-saving ideas and strategies to maximize your real estate investment. Ready to sell? Let's chat about your unique selling goals! 📞💼

10/27/2023

🏡 Can't make it to an open house? No worries! Join me for 'Tour from Your Couch with Nikki Bee' where I'll bring the properties to you, virtually! 📸🏠Explore stunning homes and commercial spaces from the comfort of your own couch. I'm all about making real estate accessible, and this is just one way we can do that. So grab your coffee ☕, get comfy, and let's start your next property journey together! 💻 Stay tuned for virtual tours and property highlights. Contact me to schedule your personal 'couch tour' today! 📞🗝️

10/25/2023

🏠 Hi there! A new episode has dropped! Join me as I share my knowledge of real estate and business. 🌟I believe in honesty, innovation, and making real estate accessible to all. Whether you're buying, selling, building, or looking for a commercial property, I'm here to guide you every step of the way. Let's turn your real estate dreams into reality together!🔑 Reach out and let's chat: [email protected]

02/14/2023

Check out the next episode with Mr. Tristan Smith from Hometown Lenders! Thanks Tristan for sharing your insights and answering some of our clients questions. Check out Tristan's page at https://www.facebook.com/profile.php?id=100087447880307

Our lender chat can be found here: https://redcircle.com/shows/6f218be2-2555-4302-ba58-325c70a9eb90

check it out!

02/14/2023

Happy Valentines Day Family! Here is a sweet treat for you today! We are so happy to have Mr. Tristan Smith from Hometown Lenders join us today on the podcast to answer some of our buyers questions about borrowing.

‎Show Nikki Bee RealTea, Ep S2E2: Spilling The Tea on Borrowing: Lender Talk - Feb 14, 2023

01/16/2023

🤩🥳🥳🥳🥳🥳🥳🥳👑
2023 Nikki Bee Real Tea
Season 2: Episode 1 Market Predictions
https://redcircle.com/shows/nikki-bee-real-tea

10/18/2022

Whew! Yes I have made it to episode 10 already! Check it out!

https://redcircle.com/shows/6f218be2-2555-4302-ba58-325c70a9eb90/episodes/f4f7e647-ecad-4f21-b70c-4962342c35ca?_ga=2.207163539.1633414003.1666107280-1363055551.1663685070

If you have a question that you want answered live please record it: https://www.speakpipe.com/NikkiBeeRealTea

Listen to Nikki Bee RealTea on RedCircle

10/12/2022

3D printed homes...What do you all think about this?

3D printing has taken the world by storm, including corners of the housing industry. While 3D-printed homes are still rare, they inspire numerous thoughts and questions about this entirely new way to construct more affordable homes.

10/11/2022

Please Let me know...
How Do You All Feel About the Real Estate Market?
There's No Wrong Answers..

10/11/2022

New episode alert! Tonight I generally discuss down payment assistance programs. As always if you need me, contact me directly

[email protected]

10/02/2022

New Episode alert! Check it out where ever you get your podcasts.

https://podcasts.apple.com/us/podcast/nikki-bee-realtea/id1646531004

10/01/2022

Youtube ✅
(Just in case Youtube is your jam)

In this episode, I answer a question about why Realtors are sometimes vague with certain questions. As always if you have any questions or need help with Rea...

10/01/2022

Check out the next episode where ever you get your podcasts.
https://podcasts.apple.com/us/podcast/nikki-bee-realtea/id1646531004

09/12/2019

Enroll in any course year round!

Individual and group classes.

www.cepalabama.com

The Cultural Education Program offers affordable, educational, and cultural programs to the public in North Alabama. CEPA focuses on Language learning, technology training, community events, while also hosting free of charge clubs for all ages. CEPA offers quality programming available for all.

09/10/2019

Great read from a different perspective...

I speak four languages fluently. I’m not saying this to brag; I have a friend who speaks over two dozen languages and know most people in…

09/07/2019

Huntsville Cultural event at UAH!!!

09/03/2019

Register today!

www.cepalabama.com

09/03/2019

Late post but worth a watch. If you ever wondered why we all celebrate Labor day....We just found this great link that explains what it is all about. Very interesting! Check it out.

https://youtu.be/YqmPE2HtkyU

View full lesson: http://ed.ted.com/lessons/why-do-americans-and-canadians-celebrate-labor-day-kenneth-c-davis In the United States and Canada, the first Mon...

09/03/2019

POSTPONED...
Our Meditation & Mindfulness series has been postponed until mid-October 2019.

Please visit our cepalabama.com website to register!

08/28/2019

Skill building is essential! We are now a global economy! Give your kids the opportunity to level up.

08/27/2019

We have French Classes!!

Coming in Sept. Register now for the 25% discount.

08/27/2019

25% discount off the semester when you register before September 8th!!!

www.cepalabama.com

08/23/2019

Very interesting...Cultural Education

https://en.unesco.org/commemorations/slavetraderemembranceday

08/23/2019

Fun, Engaging, and Affordable

Register for classes today!

Accepting Adults and kids for the fall semester.

www.cepalabama.com

The Cultural Education Program offers affordable, educational, and cultural programs to the public in North Alabama. CEPA focuses on Language learning, technology training, community events, while also hosting free of charge clubs for all ages. CEPA offers quality programming available for all.

08/21/2019

Software courses schedule coming soon! One on one and group programs.

08/21/2019

Now accepting new students for our inaugrual fall semester! Learn a new skill for a fraction of the cost.

Visit www.cepalabama.com

The Cultural Education Program offers affordable, educational, and cultural programs to the public in North Alabama. CEPA focuses on Language learning, technology training, community events, while also hosting free of charge clubs for all ages. CEPA offers quality programming available for all.