LaShondia Chambers, Realtor

02/07/2026

Hosting an Open House 2p-4p, Saturday, February 7 and Sunday, February 8.

Come and see this beautifully appointed home im a quiet neighborhood. Close to restaurants and shopping. Easy access to I-65 and minutes away from the GM Plant.

https://go.realtracs.com/1ebcE5q

Listed by:
Miah Bock
Coldwell Banker Southern Realty
Office: 615.465.3700
Direct: 615.260.0225

$385,000 3 Beds, 2 Baths, 1598 SqFt

01/06/2025

Courtesy of Maury County Office of Emergency Management:

Please see the information below regarding the county warming stations:

Beginning Tuesday (01/07) at 12 pm through Saturday (01/11) those needing shelter can seek temporary shelter at either First United Methodist Church or West 7th Church of Christ. The schedule and addresses are below.

First United Methodist Church: 222 W. 7th Street, Columbia, TN 38401

West 7th Church of Christ: 405 W. 7th Street, Columbia, TN 38401

First United Methodist will be open: 7 AM- 7 PM

West 7th Church of Christ will be open: 7 PM- 7 AM

This system will allow for a 24/7 shelter.

01/01/2025

11/06/2024

Now that it's over and we're no longer on pins & needles, who wants to buy or sell a house?!

11/05/2024

🤣🤣

"House includes a dual-purpose porch".

A what now? 😂😂

01/20/2024

Navigating the decision to lease or sell a home can be complex. I recently guided a client through this exact dilemma.

For those of you facing a similar crossroads, here are the key factors we weighed in the decision-making process.

Leasing Benefits
01. New Income Stream: Leasing can turn your home into a source of regular income, bonus if the rent covers your mortgage.
02. Your Home, An Asset: Instead of a liability, your home becomes an asset, potentially enabling a second mortgage.
03. Flexibility with Timing: If your home needs renovations or repairs before selling, leasing buys you time (although renos with tenants can be a bit of a balancing act).
04. Tax Advantages: Landlords often enjoy tax deductions for repairs, travel, insurance, and interest.

Leasing Drawbacks
01. Added Responsibilities: As a landlord, you're in charge of maintenance and tenant management.
02. Increased Liability: You must ensure the property meets the latest codes
03. Financial Risks: Vacancies mean you're footing all bills, and missed tenant payments directly impact your bottom line.
04. House calls: “Hello, our dishwasher stopped working...we need this fixed right away!” Things are bound to break and, as the owner, you’re on the line to address them ASAP.

What about selling?

When the market is strong, selling might be the better option, especially if you can get a price above market value. It's also a good move if you need immediate funds for another home or investment.

Ultimately, the decision to lease or sell depends on market conditions and which option aligns with your personal goals.

Let's connect if you're weighing this decision – I'm here to offer advice and help you make the right choice.

Source: Should I Lease or Sell? | Rocket Homes

01/11/2024

Life Financial Hacks!!!

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 homeowners. 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!

10/18/2023

AVOIDABLE COSTS WHEN BUYING A HOME

Buying a home to build equity, provide security, and accumulate generational wealth? Yes, please!

Letting lifestyle creep (and too many streaming subscriptions) erode your financial cushion and derail your path to homeownership? That’s gonna be a hard pass.

Fact is, some homeownership costs are non-negotiable – mortgage, property taxes, and insurance.

But there are also home expenses that are completely unnecessary — ones that can be mitigated, managed, and minimized.

Here are 3 ways to help you steer clear of frivolous expenditures.

1) Pick your neighborhood wisely.

Not all corners of town treat your wallet the same. Be confident and explore emerging neighborhoods for wallet-friendly options when home hunting.

2) Don’t overlook energy efficiency.

An energy audit is a simple way to learn where your hard-earned dollars are flying out the door — literally.

3) Trim your spending.

It's not glamorous, but it's smart. Regularly eliminate the fluff from your budget, including one too many monthly subscriptions and streaming options. My guess? You might not even notice if they're gone.

Want to chat more about buying a home? I‘d love to help you take your next step — comment below, and I’ll be in touch!