“Should I Sell My House Myself?”

FSBO sign webThis question goes through everyone’s mind at one time or another. Can I save some money and some hassles if I do it myself (FSBO – For Sale By Owner)? Let’s look at why it is more advantageous to use an experienced realtor:

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Brace and Testing Scam

brace01 adj“Do you have Medicare? Do you have aches and pains? We can provide braces that Medicare will cover! How about a genetic testing kit to see if you are predisposed to getting cancer?” If you are like most Medicare beneficiaries, you or someone you know has received phone calls or other solicitations for these items, often several times a day. TV ads are also very effective at soliciting these products.

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Before You Buy or Sell Your Home

man doing termite inspection webA crucial part of a house transaction is the inspection. There are a number of standard issues to review. Using a certified inspector will help ensure the property is cleared of any problems. Knowing that the home has been inspected and cleared of any of these issues will ensure a smooth sales transactions and give the homeowner peace of mind that their home is safe and protected.

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Medicaid – With “Gift & Annuity” You Don’t Have to Wait Five Years

legal size paper adj webNursing homes cost over $125,000 a year. Medicare and health insurance don’t pay for this. Fortunately, Medicaid does. But impoverishment is the price of admission into the Medicaid program. While most spend themselves broke, a savvy few manage to qualify for Medicaid without forfeiting their estate. One way for single clients to do that is with the “gift & annuity” strategy.

Under gift & annuity, a person gifts a substantial portion of their estate – typically about half of their assets - outright or into a trust. At the same time, the remaining assets are converted into an income stream via purchase of a Single Premium Immediate Annuity, or “SPIA.”

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Industry News For Local Professionals Spring 2019

senior expo01 webHealthNet
Wed. Mar. 13, Apr. 10 at 12 pm. Traditions of Hanover Bethlehem, 5300 Northgate Dr., Bethlehem. Monthly networking group for professionals hosted monthly and features a speaker and time for networking - $5.

Lehigh Valley Aging in Place Mixers
Wed. Mar. 20 Westminster Adult Day Services Mixer 4-6PM, 803 N Wahneta St, Allentown, PA 18109
Wed. Apr. 17 Fox Rehabilitation, 1251 S. Cedar Crest Blvd., Allentown 18103, PA
Aging in Place Coalition (LVAIP) provides an ongoing forum for professionals from private, public and non-profit business sectors to inform, educate and help older adults age in place. lehighvalleyaginginplace.org
Grief and Caregiver - Educational Seminar Wed. Mar 6 - presented by Colleen McCabe, MBA, CDP, PCHA, Executive Director, South Mountain Memory Care, Noon Luncheon, enjoy lunch and learn. Please RSVP by Mar. 1 to Wendy Scott at This email address is being protected from spambots. You need JavaScript enabled to view it. or 610-969-2278

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Excellent Phone Apps for Seniors

skype logo webMint
Get your finances under control with an all-in-one budget and money tracker called Mint. By securely syncing to your bank accounts and credit cards, Mint will track your income and expenses (by category) as well as help you set monthly budgets, alert you to bills that need to be paid, and give you tips for saving more money. It brings together everything from balances and bills to your credit score and more. It’s free and easy to get started, and it connects to almost every US financial institution connected to the Internet.

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Adjusting Your Home to Your Lifestyle

small home webAs the frozen ground relinquishes its grip on budding tulips, we take note of the regeneration around us. Spring represents a rebirth and renewed vitality and stimulates a re-assessment of our lives. For some this is manifested in a physical sense with purging of clutter and spring-cleaning, for others it is the planning of activities and goals during the summer months. I would challenge readers to ask themselves a more fundamental question about their home – is this where I need to be? Below are five considerations to help you:

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Six Social Security Changes to Expect in 2019

Social Security Card 5 webEvery October the Social Security Administration announces changes to the Social Security program. Here are the changes set for Jan. 1, 2019, according to the SSA’s annual fact sheet. Increased payments actually begin Dec. 31, 2018.

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Industry News For Local Professionals - Holiday 2018

business handshake webHealthNet
Wed., Nov. 14, Dec. 12 at 12 pm. Traditions of Hanover Bethlehem, 5300 Northgate Dr., Bethlehem. Monthly networking group for professionals hosted monthly and features a speaker and time for networking. $5.
Lehigh Valley Aging in Place Mixer
Wed., Nov. 14 breakfast from 8-10AM at South Mountain Memory Care, 201 S. 7th Street, Emmaus, PA 18049. Aging in Place Coalition (LVAIP) provides an ongoing forum for professionals from private, public and non-profit business sectors to inform, educate and help older adults age in place. lehighvalleyaginginplace.org.

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More Finance Articles

  • “Should I Sell My House Myself?”

    This question goes through everyone’s mind at one time or another. Can I save some money and some hassles if I do it myself (FSBO – For Sale By Owner)? Let’s look at why it is more advantageous to use...

  • 10 Commandments of Selling Your Home

    Whether you are buying or selling a home, it can be quite an adventurous journey. Here is simple advice for consumers when buying or selling a home. What is the home you’re buying/selling really...

  • 5 Real Estate Terms You Need to Know

    “In almost 40 years in real estate one of the most important things that I have learned is to have clear communication with clients and not to assume that we are all speaking the same language.” Below are...

  • 7 Deadly Sins of Real Estate

    Advice to help your real estate transactions. Helpful tips that will make your real estate transactions much easier.

  • A Reverse Mortgage Makes Your Home Work For You

    A reverse mortgage may help you pay off debt and provide breathing room John and Carol love getting their grandchildren off the bus, volunteering at church, and going for long walks together at Trexler...

  • Adjusting Your Home to Your Lifestyle

    As the frozen ground relinquishes its grip on budding tulips, we take note of the regeneration around us. Spring represents a rebirth and renewed vitality and stimulates a re-assessment of our...

  • Are You Planning for a Good Retirement?

    Most people who vacation spend many hours planning before hand. They purchase tickets, make reservations, schedule tours and transportation and anything else that allows them to relax and enjoy their...

  • Are You Ready for Medicare Open Enrollment?

    Medicare Open Enrollment for 2018 starts October 15 and remains open until December 7. During this annual enrollment period (AEP) you can make changes to various aspects of your coverage. You can...

  • Beach Property Drawbacks

    Erosion due to storms can be a huge challenge!   While it can happen any time of the year, erosion due to storms can have a dramatic impact on beachfront properties as evidenced by this picture in...

  • Before You Buy or Sell Your Home

    A crucial part of a house transaction is the inspection. There are a number of standard issues to review. Using a certified inspector will help ensure the property is cleared of any problems....

  • Benefits of Using Senior Real Estate Specialist

    Seniors have unique situations that call for someone trained to best handle them. A specialist brings more than just a realtor’s license when helping seniors with their real estate issues. These...

  • Brace and Testing Scam

    “Do you have Medicare? Do you have aches and pains? We can provide braces that Medicare will cover! How about a genetic testing kit to see if you are predisposed to getting cancer?” If you are like...

  • Buying or Selling a Home? Use a Realtor with Experience

    Similar to younger generations, seniors are an active demographic in the real estate market. Whether downsizing or moving closer to family, seniors need and desire to transition into a new home for...

  • Discounts for Veterans 2018

    This section is  a list of local and national organizations that offer discounts to veterans. These discounts can change so check first to verify the discounts offered. Also included are resources...

  • Dutch Treat - Savings in the Valley

    For many years organizations like AAA and AARP have negotiated discounts for members and seniors with national companies. At the local level there are numerous businesses in our community that offer...

  • Elder Law Alert: Department of Veterans Affairs Makes Sweeping Changes to VA Pension and Aid & Attendance Benefit

    Introduction VA Pension benefits are “nonservice connected” disability benefits that provide a monthly tax-free income to eligible wartime veterans and their surviving spouses. A married veteran can...

  • Excellent Phone Apps for Seniors

    MintGet your finances under control with an all-in-one budget and money tracker called Mint. By securely syncing to your bank accounts and credit cards, Mint will track your income and expenses (by...

  • Getting the Right Help for Your Move

    When you’re ready to move, are you going to call your friends with pickup trucks to come over and help?  When relocating from a large four bedroom home to a one or two bedroom apartment in a senior...

  • Industry News For Professionals July-August 2017

    Lehigh Valley Aging in Place Coalition (LVAIP). The mission of LVAIP is to provide an ongoing forum for professionals from private, public, non-profit and business sectors to inform, educate and...

  • Industry News For Local Professionals - Holiday 2018

    HealthNetWed., Nov. 14, Dec. 12 at 12 pm. Traditions of Hanover Bethlehem, 5300 Northgate Dr., Bethlehem. Monthly networking group for professionals hosted monthly and features a speaker and time for...

 
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