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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The Go-To Guide for Downsizing Your Home

Real Estate Matters with Tim Bro

The Go-To Guide for Downsizing Your Home

Downsizing your home can provide you with some amazing benefits. In addition to lower energy bills, keeping a smaller home clean and tidy takes just a fraction of the time. If you are planning on moving to a smaller place in the near future, then read ahead for some tips.

Assess Your Needs

Before you begin packing, you need to sit down and write down some of the necessities that must be in and around your new home. Many people do not realize just how different it is to live in a smaller home and making sure your new place has a few key features will lessen the shock. This might include storage space, nearby entertainment, shopping, etc.

Give Yourself Time

Trying to move into a new home under a strict schedule will almost always result in unnecessary stress. Even if you are not ready to begin packing your personal items, you can still collect moving supplies and start going through unused rooms. Moving companies suggest that families should start packing three or four months in advance.

Find Affordable Storage

Just because you are downsizing your home doesn’t mean you need to sell or donate all of your belongings. Renting out a storage unit will give you more time to go through all of your possessions and decide what must be kept and what can be tossed.

Donate Your Extras

Seeing a trashcan full of your family’s possession is going to be heartbreaking. By donating the items instead, you can rest assured that they will be going to those who need them the most. Many non-profits offer free curbside pickups for families that are getting ready to move. As an added bonus, ask your CPA if this qualifies as a tax deduction.

To get started with your home sale or purchase, call Tim @ 858-354-2354, Global Luxury Home Specialist.  BRE #01224576

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Buying a New Home? 4 Things to Check Out

Real Estate Matters with Tim Bro

Buying a New Home? 4 Things to Check Out

Buyers are so hyper-focused on the home that they often cast aside surroundings. “Surroundings” do not equal trees, fences, or landscape. The home’s surroundings are the houses around the home and the residents occupying them. Surroundings also include the neighborhood, the passersby, and the city.

Safety

Is the perfect home near a busy driving area consisting of problematic neighbors? If so, stop reading; plenty of communities exist for you. Pay extra for a better neighborhood. They’re packed with stores, shops, restaurants and banks nearby; a quiet community is surely waiting for you.

Distance

A long commute burns more gas, it wastes time. Therefore, learn the miles and minutes it takes to travel from the home to: work, school, store, hospitals, and favorite hangouts. A community containing local amenities close by is valuable.

The Best Schools

The reputation, the quality; and the district are additional factors in finding a good school. Homes surrounding good schools are in high demand. Determine good schools by searching online reviews of schools and reading two or three sites. Since good and bad reviews naturally exist, develop a consensus. Single or married, family or not, a good school system is important for your home’s value.

Monetary Value

A home in a good neighborhood makes it more valuable houses.

To get started with your home sale or purchase, call Tim @ 858-354-2354, Global Luxury Home Specialist.  BRE #01224576

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Giving Millennial Homebuyers What You Need

Real Estate Matters with Tim Bro

Giving Millennial Homebuyers What You Need

With the housing market seeing significant changes, many millennials are making a move toward homeownership. In fact, according to the National Association of REALTORS®, “for the third straight year, the largest group of recent buyers were millennials.” For many in this generation, this will be your first home-buying experience, and you’ll be looking to your agents for help.

Here’s what Tim will do for you. eHeHHH

1.    Learn your needs and motives.

When you begin searching for a home, you already have an idea of what you want or don’t want. However, after visiting property, you can begin to lose sight of these priorities. Asking questions about your motivation for moving, your ideal future home and your personal financial development can make the process easier. Armed with priorities, it will be easier for you to pick a home you love.

2.    Provide educational resources.

Buying a home costs more than just the listing price. However, most first-time buyers are unaware of this. While you may have fallen in love with a property that seems to be in your budget, after property taxes, HOA fees, and commuting costs it could be more than you’re able to afford. To avoid this problem from the beginning, we will create a list of additional expenses you feel you might overlook.

3.    Clarify the contract.

You’re finally there – you have found your perfect home and made an offer. The seller agreed on the price and you’re ready to close. You will surely be excited to wrap up the transaction as soon as possible so you can move into your new home. However, remember that it’s important to take the extra time to fully understand the obligations of your contract, perform home inspection, review all legal documents, etc.

Navigating the transaction is typically completely foreign to most home buyers. Tim will help you understand your contract in a way that will put your mind at ease. By making the closing process as stress free as possible, it’s likely that you will feel comfortable recommending Tim to friends and family who may be looking for an agent in the future.

To get started with your home sale or purchase, call Tim @ 858-354-2354, Global Luxury Home Specialist.  BRE #01224576

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Coldwell Banker Global Luxury

Coldwell Banker Global Luxury

Hey Everyone! Step inside some of the world’s most lavish homes from Beverly Hills to Paris with Tim Brodowski, your Global Luxury Home Specialist! Text or call Tim at 858-354-2354.

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4447 Vista de la Tierra - The Home You've Been Waiting For

Real Estate Matters with Tim Bro

4447 Vista de la Tierra - The Home You’ve Been Waiting For

The 1 acre lot provides a great setting for a 4065 sqft, 5 br, 3.5 ba home. A home that will be the centerpiece for all your family functions – weddings, birthdays, holidays. A kitchen large enough for all to be lending in the meal prep. A family room spacious enough to accommodate those enjoying music, those talking sports and politics, while others nestle by the fireplace. A back yard large enough for kids of all ages to play baseball, skip rope, or just run around laughing and having fun.

To get started with your home sale or purchase, call Tim @ 858-354-2354, Global Luxury Home Specialist.  BRE #01224576

4447 Vista de la Tierra - Youtube

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4447 Vista de la Tierra, Del Mar, CA 92014

4447 Vista de la Tierra, Del Mar, CA 92014

Fabulous New Listing

Custom 5 bedroom home nestled on an acre of land. A kitchen with abundant counters for prep, sufficient cabinet space for the cookware and utensils, and an incredible butcher block top island. The adjacent family room is a superb place to settle and enjoy some video games, play music, a hand of bridge, or just relax near the fireplace. A yard for kids of all ages to run and play, inviting enough to host weddings, retirement and birthday parties. If you’re looking for a place to call home, you have found it.

To get started with your home sale or purchase, call Tim @ 858-354-2354, Global Luxury Home Specialist.  BRE #01224576

www.youtube.com/c/TimBroHomesUS

www.TimBroHomes.com