The Truth From Ruth

In this episode, we tackle the spring real estate market with expert strategies for homeowners in Western New York and beyond. Discover the golden rules of timing your sale, why having a pre-sale exit strategy is non-negotiable, and the emotional red flags to watch out for before you list. Tune in to learn how to maximize your property's value and navigate the market with confidence!

In this episode of the Truth from Ruth Radio Hour, Ruth dives deep into the fascinating world of collections and collectibles, sharing their expert insights on everything from rare vinyl records to vintage gold jewelry. Whether you're downsizing a lifelong passion or ready to cash in on inherited treasures, knowing how to properly navigate the market is crucial for maximizing your return. Tune in to discover the emotional psychology behind collecting, why the current market is "ripe" for sellers, and how partnering with professional auctioneers can drastically out-perform a DIY sale. Don't miss out on these invaluable insights!

In this episode of The Truth From Ruth, Ruth shares why strategic preparation, not expensive renovations, is the key to maximizing your return when selling. Drawing on more than 40 years of real estate experience, she explains how professional cleaning, decluttering, and simple updates like fresh paint and flooring consistently outperform costly kitchen and bathroom remodels.Ruth also dives into the importance of choosing the right representation, noting that many agents nationwide have three years or less of full-time experience according to the National Association of Realtors. She unpacks the fiduciary role of agents, the difference between buyer and seller representation, and how skilled negotiation protects your equity, especially in states like New York where nearly everything not mechanically attached is negotiable.Tune in to learn how to separate emotion from financial decisions, position your home for maximum appeal, and invest only where it truly counts. Before you swing a sledgehammer, make sure you have the right agent in your corner.

In this episode of The Truth From Ruth, Ruth pulls back the curtain on hidden New York property tax relief programs that many homeowners, especially seniors, don’t even realize they qualify for. She breaks down critical March 1st deadlines, explains how STAR and Real Property Tax Law 467 exemptions work, and shows how these programs can dramatically reduce property taxes when applied correctly. Ruth also shares practical tips on verifying your tax bill, navigating the application process, and advocating with local officials if your municipality isn’t offering available relief. If you’re a New York homeowner looking to keep more money in your pocket, this is an episode you won’t want to miss! 

In this episode, Ruth breaks down the real truth about renting vs. owning and why homeownership is one of the strongest paths to building wealth. She shares how buying during high-interest-rate markets can actually benefit you long-term, reveals the massive 38x net worth gap between homeowners and renters, and explains how equity, stability, and generational wealth all start with owning a home. Don’t miss these quick but powerful insights!

In this episode, Ruth Rowe Campbell from Rowe Realty Auctions & Appraisal dives into the true meaning of gratitude—especially in the days following Thanksgiving. From heartwarming client stories to personal reflections, she explores how emotional, practical, and reflective gratitude shape our lives and relationships. Ruth opens up about unexpected moments of thankfulness, the power of taking action, and why self-care is essential before we can genuinely support others.Tune in as they spotlight this year’s “Gratitude Awards,” honoring clients who embodied compassion, resilience, and selflessness—whether caring for loved ones, managing estates, or rebuilding after hardship. Ruth wraps up by sharing their own sources of gratitude and reminding listeners that thankfulness isn’t just for the holidays—it’s a daily practice that strengthens community and well-being. Don’t miss these inspiring stories and uplifting insights!

In this episode, Ruth Row Campbell explores an important and deeply personal topic — Financial Steps for Surviving Spouses. Broadcasting from beautiful Walworth, Ruth opens up about her own experiences of loss, sharing how she navigated both emotional and financial challenges after losing her husbands. Joined by special guest Brian Valenti, Vice President and Senior Financial Consultant at Charles Schwab, the conversation offers compassionate guidance on how surviving spouses can regain control and find stability after a loved one’s passing.Listeners will learn about the seven essential financial steps every surviving spouse should take — from organizing key documents to understanding survivor benefits and building a trusted support network. The episode also highlights the vital role of financial advisors, the importance of honest communication with institutions, and the power of leaning on family, faith, and professional help during times of grief.Tune in for heartfelt stories, expert financial advice, and encouraging words for anyone facing life after loss. You’ll walk away with practical tools, emotional reassurance, and a reminder that you don’t have to face it alone.

In this episode, we uncover the hidden value in coin collections with One Penny, One Thousand Bucks. Discover how using a trusted consignment service like Digging for Deals can help you maximize returns far beyond melt value. From expert evaluation and careful cataloging to nationwide auctions with detailed photos, learn how to present your coins to the right buyers for the best price. We’ll also share insider tips on spotting rare pieces, understanding appraisal accuracy, and avoiding costly mistakes. If you’ve got a collection gathering dust, you won’t want to miss these expert insights into turning spare change into serious cash! 

In this episode, discover how Clarence achieved a 60% home value jump by downsizing strategically over five years. Learn expert tips on clearing clutter to maximize value, making the transition to independent living more affordable. We’ll cover financial factors beyond taxes and insurance, and highlight the social benefits of embracing a vibrant community. Ready to see downsizing as an exciting new chapter? Tune in for invaluable insights!

In this episode, Ruth unveils her innovative business model, Digging for Deals, where real estate meets auction expertise to deliver maximum value for clients. By blending industry knowledge with dynamic auction strategies, Ruth helps sellers save thousands and earn top dollar—whether they’re downsizing, transitioning, or starting a new chapter. Tune in to hear how her client-centric approach eases emotional stress, offers flexible options, and streamlines complex property sales. Plus, don’t miss the inspiring success stories of Clarence and Rosemary, who turned life transitions into profitable opportunities through Ruth’s expert guidance.

In this episode, we break down the truth about home values and why the market never lies. From assessed value to appraised value—and ultimately, market value—you’ll gain a clear understanding of what each term really means. We also dive into how buyer competition influences pricing in today’s fast-moving real estate landscape. Whether you're buying, selling, or just curious, this episode will help you make smarter decisions with confidence.

In this episode, we uncover real stories from real people navigating the world of real estate with smart, effective solutions. Discover how combining traditional real estate methods with auction industry best practices led to a smooth transition from a demanding home life to the comfort of a luxury apartment. Learn how a successful online auction not only ensured a quick property sale but also provided the safety of a reserve price. If you're looking to maximize your return while streamlining the sales process, this episode is packed with valuable insights you won’t want to miss!

In this episode, Ruth answers the question, What is a Real Estate Auction? Explains the ins and outs of the auction process and why it might be the perfect choice for your next transaction. Discusses the advantages of auctions, the critical role of a seller's agent, and a step-by-step guide to how it all works. Don't miss these key insights and takeaways that could transform your real estate journey!

In this episode, Ruth dives deep into the world of real estate, sharing her expert tips on how to find the perfect realtor for your needs. Whether you're buying or selling, choosing the right realtor is crucial for a smooth and successful experience. Tune in to discover what to look for, the questions you should ask, and the red flags to watch out for. Don't miss out on these invaluable insights!

Ruth Rowe Campbell explores the journey of aging in place and the art of downsizing. Discover the emotional ties we often hold to our homes and how these connections can influence our decisions as we age. Learn why aging in place is an increasingly popular choice for seniors, offering comfort and familiarity. However, it's not without its challenges—it requires careful planning and foresight. Learn expert tips on how to navigate this transition smoothly, ensuring safety, accessibility, and peace of mind for you or your loved ones.

Join Ruth Rowe Campbell as she kicks off the inaugural "Truth From Ruth" episode with an exciting new format and the return of in-person recordings! Discover Ruth's unconventional journey into the world of auctioneering and delve into the realms of real estate, appraisals, and auctions. In this episode, Ruth sheds light on the critical role of a seller's agent and the significant impact of proper representation in real estate transactions. Uncover how real estate auctions can maximize seller value and reduce costs, challenging common misconceptions. Tune in for an insightful conversation that will change the way you perceive real estate!