Emily Brandon tells you how to get ready financially for retirement and to make your golden years the best they can be.
When handling heavy materials, lift with your legs, not your back, and remember to wear steel-toed shoes. Would you like to build a path in your garden, but don't want to rent a compactor or fuss too much with levels?
The first thing you will need to do is lay out the shape of your path--garden hose works great for this. If there is sod to remove from your path area, use the sod cutter to cut a checkerboard pattern inside the borders of the path, dividing the sod into approximately 1' squares (for easy removal). Now that you have your path excavated, its time for the pea gravel--this can be purchased at your local landscape firm or at a crushed rock supplier. Before you install the gravel, it is a good idea to put down a weed barrier of some sort--old newspaper works great for this--just put it over the whole path area in a layer two or three sheets thick.
Pea gravel is easy to dig, so you can simply use your hands to scoop out a hole for each stone--then push down on the stone with both hands and wiggle it downward into the gravel until it is stable.
December 20, 2012 By Seattle Real Estate Investing 4 Comments One of the best investments you can make in your future is purchasing real estate. Seattle is famously known for its rain and weather, so that means there’s a lot of opportunity for mold, or water damage to build up in a home without the homeowners knowing. Wasted time is wasted money when you’re flipping houses, so make sure those appointments for inspections are kept. All in all, there is no secret other than buying low and selling high when flipping real estate. This has nothing to do with finding real estate, but if you are in need of a General Contractor, I am your guy.
Selling your home and moving into a less expensive house can help you to add a significant amount to your retirement savings and cut your monthly expenses at the same time. Many workers aim to live near their jobs, and parents often strive to live in good school districts, but retirees no longer need these types of amenities.
A reverse mortgage allows retirees ages 62 and older to use their home equity to pay for retirement needs while remaining in their home for the rest of their lives.

If you sell your home and become a renter you can use your home equity to pad your retirement savings. We do not do construction but we can assist you in finding a good contractor that will help make your dream a reality.
Whether it’s a home for yourself, or a rental property that you want to rent while you fix it up for a quick sale, flipping real estate has been something hasn’t been all that profitable over the last few years. There are many factors that go into a home’s sale price and you’ll want to make sure that you take those costs (and potential losses) into account before you make a major investment. Visit the house you plan on purchasing on a rainy day (the rainier the better), and see how the roof, basement and general house holds up to the weather.
If you don’t have your own home inspection for your loan, go over the documents and make sure it’s clear what repairs the previous homeowner is responsible for. While the amount of bank-owned properties has gone down over the last year or so during the housing market recovery, short sales are still in plentiful supply and can allow you to find an amazing deal on a property that can pay off huge down the road.
Keep an eye on how much it has cost you to remodel or improve your home and include that in the price.
While you will still have to pay taxes, insurance and maintenance costs, people who pay off their homes by retirement no longer need to make mortgage payments or pay rent.
For example, if you downsize from a house worth $250,000 to a $150,000 house, you are likely to add about $75,000 to your retirement savings, assuming you pay $25,000 in selling and moving costs, according to calculations by the Center for Retirement Research at Boston College. Now you are free to pick a place to live that offers the entertainment options, medical care and affordable transportation that will help you during your retirement years. Renters can call the landlord to take care of emergency repairs and some home maintenance chores, and typically dona€™t have to worry about cutting the grass or shoveling snow.
Please let us know what you are looking for and a time frame when you want to get it done and we can help find you a qualified contractor that we work with.
Fortunately, there are several ways you can still make money by flipping houses, condos and retail space. Many people find that flipping real estate works best when you have a large pool of available cash, or plan on living in the home for at least a few years (while you make improvements and increase the equity in your home). It can make all the difference in the world during negotiations if you’re able to point out water damage that hasn’t been listed.

The housing market is recovering quickly, so the sooner you look into available short sales in Seattle, the better. Whether it’s new paint, an addon, or you built a gazebo in the backyard – include every penny you spend on the house into the price of what you’re asking. Give me a call if you or anyone you know is in need of a quality contractor for house flipping.
Youa€™re also likely to cut your taxes, insurance, upkeep and utility bills from $8,125 at the more expensive house to $4,875 after you downsize, CRR found.
You might want to pick a place that has better weather or the scenery of your choice or decide to relocate near family members. A reverse mortgage can be received as a line of credit, lump sum or monthly payments for life or a set period of time. Becoming a renter might also allow you to live in a more walkable neighborhood near stores and recreational opportunities.
The work and time you put in will pay off huge dividends when you are ready to flip your house. If you spend 4 percent of the $75,000 each year you will increase your annual retirement income by $3,000 and the smaller maintenance bills give you another $3,250. If you live in a high-cost city, you can often significantly improve your retirement budget by moving to a place with more modest housing prices. The biggest downsides of renting are the possibility of having your rent increased while on a fixed income or being asked to move out. CRR estimates that a reverse mortgage taken out on a house worth $250,000 will result in $8,250 worth of fees, including an origination fee, service fee, mortgage insurance and ordinary mortgage fees.

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