0 comments on “Your Kids Don’t Want It All- Really!”

Your Kids Don’t Want It All- Really!

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The garages and basements of the sandwich generation overflow with both their parents’ belongings and their children’s’ leftovers. It is an overwhelming task to sort through when deciding what to sell, keep, pass on, donate, and throw away. Especially if you, the generation who inherited it all, are also thinking about resizing your home and making a move.

Planning ahead before parents move into senior living or pass on gives everyone a little more peace of mind. It not only makes dealing with the estate and selling the house easier, it can also help reduce family tensions. As a Realtor helping seniors move, and as one who just lost a parent, I feel qualified to speak about planning ahead. I’ve had clients who want to move but lament that it might take them years to clear out the garage and basement of the belongings of their family’s’ past generations. Don’t put that burden on your children.

Go through your home with your children and grandchildren. Make a list of who wants or gets each piece of jewelry, art, and furniture. If there are collections that might be valuable, get them appraised and decide what to keep or sell. Also any valuable property might need to be factored into an estate plan. Likewise, if items are of sentimental value, they should also be listed. All items listed should be kept with a will so there is no question of what has been decided.

Don’t guilt your children into holding onto items that have little or no economic or sentimental value to them. Also, work together to get rid of the many items that haven’t been used for several years or are simply worn out. Long before moving into senior living start decluttering and simplifying your life. Planning ahead and preparing your home for moving or your death, reduces the stress for all; especially if the home needs to be sold to pay for the next step.

Some resources that might be useful include; senior move specialists, churches, A Place for Mom, and estate sales professionals. Dealing with the loss of a parent is hard enough but to be burdened with all of their belongings often completely overwhelms the family. As a Realtor, I help my clients to strategically simplify the process and recommend resources. If you are looking to move your parents or yourself, please contact me and I will help make it as smooth as possible.

 

0 comments on “Summertime Obsessions Forge Relationships”

Summertime Obsessions Forge Relationships

 

I have a summer obsession, well to be honest a few summer obsessions. The great thing about these obsessions is that they really help to forge new relationships, especially since we are relatively new to the area. As you can see, my biggest summer obsession is probably creating a beautiful garden. Wherever we have lived, we spent years toiling in the yard cultivating beautiful gardens. Not only do we love them, we get visitors coming to check them out. In one of our previous neighborhoods’, we had people walk up the driveway to sniff and admire the flowers. In our new neighborhood, we have people visiting the backyard to admire the gardens. Cultivating a garden helps to cultivate relationships. We give tours, talk about each others garden joys and woes, and share perennials.

Of course once you establish a garden, you attract other visitors. Now that several of us have gardens, we have also bonded over attracting the Baltimore Orioles, hummingbirds, finches, and butterflies, and unfortunately the occasional rabbit. One obsession leads to another. I love working in my sunroom so I can enjoy the beauty of my garden and catch a glimpse of the birds and butterflies.

My third obsession that helps me to meet new neighbors is walking my furry friend. Who doesn’t want to stop and pet this adorable cavachon. We have children ask to pet him, adults stop to talk about how cute he is, and our “adopted granchildren” ask to run with him. Of course we meet other dogs and get to know their owners.

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Riley

Moving to a new city and neighborhood can be very difficult. It is even harder when you don’t have young children that help pave the way to new introductions. You need to find a way to meet and get to know your neighbors. Fortunately, my summer obsessions help do just that.

As a Realtor, I help my Buyers find ways to get to know their new area and neighbors. Let me know if I can help you.

Hope you also take pleasure in some of our pictures.

Patio Garden 2018

0 comments on “The 3 Steps to Home Ownership”

The 3 Steps to Home Ownership

Stepping to Home Ownership

More and more millennials and the up and coming Gen Z’s dream of  home ownership. Unfortunately, many of the young people today carry large student debt. Home ownership is achievable by following these three simple steps.

  1. Learn to live on a budget. Know exactly where and how you are spending your money. It is so easy to budget with all of the free apps available today. Prioritize your spending, downsize what isn’t necessary, and know what sacrifices, such as stopping at the coffee shop and going out to eat, you are willing to make in order to pay off your debts and save money.
  2. Build your credit history. Stay on top of your student loan, car loan, and credit cards. Make sure to pay them off each month on time. If you don’t have any loans or a credit history, open a credit card, use it, and pay it off each month.
  3. Automate a down payment savings. Have a designated amount of money automatically deducted from your paycheck each month and deposited into a house fund account. Keep the account separate and don’t touch it until you are ready to purchase a home.

Although, there are loans available for no money down, it will be necessary to have available funds for closing costs and miscellaneous expenses such as inspections. A sizable down payment  with a good credit score can reduce the interest rate on the loan for your home purchase.

All good things in life, require a few sacrifices and work. Home ownership is achievable, you just need to take the proper steps to get there.