SRES® - Retirement Thoughts

Real Estate Matters with Tim Bro

SRES^® – Retirement Thoughts

1.    Plan for a happy and healthy retirement. It’s never too late to plan and save. Budget for your housing, living expenses, medical, and fun adventures.

2.    Make new friends and keep the old. The happiest retirees Tim knows are those that are active with their family and friends.

3.    Identify the most trusted people in your life. Make sure your legal affairs are in order, ie trusts, wills, power of attorney, and medical decisions.

4.    Right size your housing. Do you want to stay in your home? If so, perform regular maintenance. If you wish to downsize or find alternate housing start with a call to Tim for a consultation.

5.    ENJOY! Have fun and enjoy all that life offers. Do it now, you don’t have to wait for retirement for this one.

To get started with your home sale or purchase, call Tim Brodowski at 858-354-2354, your “Seniors Real Estate Specialist^®”, where the future takes shape.  

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DRE# 01224576

Making Retirement Dreams a Reality

Real Estate Matters with Tim Bro

Making Retirement Dreams a Reality

So is retirement wishful thinking or reality? Shaky finances could derail future retirees’ dreams. After all, Baby Boomers have saved just $164,000 (estimated median) in all household retirement accounts.

Here are some suggestions to turn that dream into reality.

Create a budget. Include income, living expenses, paying off debt, and financial goals – building towards long-term retirement goals.

Have a financial plan. Start saving for retirement and save consistently. Avoid taking additional loans and early withdrawals from retirement accounts.

Participate in employer-sponsored retirement plans. Take full advantage of matching employer contributions and defer as much money as possible.

Housing needs. When the family was growing you may have needed that 3, 4, or 5 bedroom home. But do you need it now? Maybe your new retirement lifestyle warrants a change. Maybe a nice, smaller house or townhome with no yard work and minimal exterior maintenance makes better sense. Freeing your time to travel, spend more time with family and friends, and enjoy your favorite hobbies. Call Tim to help guide you through your downsizing decision.

To make your housing retirement dreams a reality, call Tim @ 858-354-2354, SRES, Global Luxury Home Specialist.  BRE #01224576

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Healthy Aging

Real Estate Matters with Tim Bro

Healthy Aging

Healthy aging has several key components: Good physical health; possession of basic resources (housing, food); good social network; sense of purpose; and engaging in activities such as volunteering, working, and hobbies or interests.

Make a list called 100 Things I Want To Do. The list helps to uncover past dreams, wishes and activities or interests you haven't pursued.

Some questions to ask yourself: What if age weren’t a factor or you were 20 years old? What if you weren’t afraid of seeming foolish? What if you had the resources and energy to make your dreams come true? The point is to open up possibilities, even ones that seem “too young.” Movies need older extras. Skydiving can be done at any age with good health. Why not get a college degree now? Go play golf! Forget about what is “expected” just follow your heart’s desire.

Retirement need not be viewed as the end. It should be anticipated as the beginning…of the time of your life.

To get started with your home sale or purchase, call Tim @ 858-354-2354, “The Seniors Choice for Real Estate”.

When Real Estate Matters, contact Tim.  BRE #01224576

www.youtube.com/c/TimBroHomesUS

www.TimBroHomes.US

More of What You Want in Retirement - Downsize the Right Way

Real Estate Matters with Tim Bro

More of What You Want in Retirement

Downsize the Right Way

   

Tired of yard work, cleaning the gutters, fixing the sprinklers, cutting the lawn, and don’t want to deal with these things in retirement? Want to spend more time playing with the grandkids, traveling, golfing, and cooking dinner with friends? Then downsizing and simplifying may be what you want to do.

Downsizing can be a bit burdensome, but with the right preparation and planning, we will make it fun!!! Downsizing to your new home can provide you with the fresh start that you’re looking for in retirement.

Choose to work with a realtor who specializes in meeting the needs of sellers and buyers age 50 plus. A realtor with vast experience and knowledge – Tim Brodowski.

To begin the process or simply get your initial questions answered regarding this downsizing transition, just call Tim @ 858-354-2354, “The Right Choice in Real Estate”.

When Real Estate Matters, contact Tim.  BRE #01224576

www.youtube.com/c/TimBroHomesUS

www.TimBroHomes.US

6 Ways to Cut Costs in Retirement Part 2 of 2

Real Estate Matters with Tim Bro

6 Ways to Cut Costs in Retirement Part 2 of 2

4.    PRESCRIPTION SAVINGS

Often, prescription drugs are both necessary and expensive. Despite this, most people simply select a pharmacy and stick with it, even though drug prices can vary dramatically—a missed opportunity to save hundreds of dollars a year (or more).

Compare and shop. Check local prices using online tools like WebMD.com/rx or GoodRx.com.

Online pharmacies — Another option is to comparison shop for mail-order drugs. This has the added bonus of automatically delivering monthly meds without the hassle of picking them up! Start by visiting PharmacyChecker.com.

5.    SAVVY SHOPPING

Major sales aren’t limited to Black Friday or Cyber Monday.

Cars – Inventory goes on sale right before or after the newest models arrive in the fall.

Computers – late March/early April (new models rolling out) and August/September (back to School).

Large appliances – September/October (new models rolling out). Be sure to ask for free delivery, hookup and old appliance disposal. Refrigerators are cheapest in May.

Televisions – Thanksgiving weekend and January (or early February) when old models are cleared out and new ones arrive in time for the Super Bowl.

Outdoor – lawnmowers in April and after Labor Day (clearance), along with grills; patio furniture in October/November.

Mattresses – Memorial Day weekend sales (negotiate for even-lower-than-advertised prices).

6.     OTHER OPPORTUNITIES TO SAVE

Amazon has become many online shoppers’ go-to source, but do you know about several sites that track Amazon’s prices? Use CamelCamelCamel.com or Keepa.com to view price history charts and set up drop alerts to save purchases.

Even with great deals, however, remember to keep the focus on “living large” – in other words, using your time and energy to buy only what you need at the best possible prices!

To get started with your home sale or purchase, call Tim @ 858-354-2354, “The Right Choice in Real Estate”.

When Real Estate Matters, contact Tim.  BRE #01224576

www.youtube.com/c/TimBroHomesUS

www.TimBroHomes.US

6 Ways to Cut Costs in Retirement Part 1 of 2

Real Estate Matters with Tim Bro

6 Ways to Cut Costs in Retirement Part 1 of 2

Many bills are the result of long-term habits. A comprehensive bill review is the first step for revealing expenses that are no longer necessary—as well as discovering more attractive and affordable options.

1.    TWO CARS?

When both spouses were working full time and getting children to different events, two cars may have been a requirement. Once scheduling demands change, however, the need for two (or more) vehicles may no longer exists.

Compare the costs – Determine what you paid over the past year for maintenance and repairs – particularly if you own older cars. Which car should be kept, are they 2012 or newer?

Consider other options – Public transit, Uber, Lyft or rideshare.

2.    CUT THE CABLE

With the improvement of online streaming options, many people have decided they prefer selecting what they want to view.

Several low-cost paid streaming services offer extensive on-demand programming options, while many familiar television channels (including the major networks, popular cable stations and news channels) stream their content free of charge.

While it’s increasingly popular to view this content on a desktop, laptop or mobile device, it’s just as easy to attach a small, inexpensive device (like Roku, Chromecast, Amazon Fire, Apple TV and Nexus Player) to stream online content, via Wi-Fi, directly to your television.

Add another small investment in an over-the-air antenna and you’ll be able to tune in local hi-definition channels for no monthly fee.

3.    OUT OF SIGHT, OUT OF MIND?

Paying storage fees? Why? Now is the time to eliminate this expensive cost. Sort through and toss what’s not needed, re-home what’s going to the kids, and donate (and take the tax credit for) things that are no longer useful.

To get started with your home sale or purchase, call Tim @ 858-354-2354, “The Right Choice in Real Estate”.

When Real Estate Matters, contact Tim.  BRE #01224576

www.youtube.com/c/TimBroHomesUS

www.TimBroHomes.US

Home Owners Success Stories...

As a real estate professional and long time property owner and property investor, I have seen a vast array of real estate situations. People buying their first property, maybe a nice cozy condo. Then moving up to a single family home to raise a family and share with family and friends on those special occasions. Those who begin contemplating retirement and wanting to downsize or maybe to a different community or area to enjoy a slower pace of living.

Whatever direction you are going, I can help! In my 20 years of successful real estate endeavors and helping hundreds of others like you, I can offer great advice and effective selling of your home.

The process begins by you and I sitting down together and talking. Actually, you talk, I listen. You share your goals, your wants, your needs. Once I have a complete understanding, we will begin to strategize on how to achieve your wishes in the time frame that you desire.

Now, the EASY part . . . just call me at 619-686-5512 to schedule your FREE consultation.

Your Personal Real Estate Consultant,

Tim Brodowski

www.timbrohomes.us