Senior Spotlight: When Grumpy Is A Symptom & Not A Disease

Lady SmallDid you know that aging adults are NOT the grumpiest members of the community?! They are simply the most misunderstood! In this week’s Senior Spotlight, I wanted to share some GREAT news: according to the Geriatrics Division of Duke University School of Medicine, older people are actually happier than the general population. So why does the 1993 movie ‘Grumpy Old Men’ seem so relatable? And why we do we assume we ourselves are destined to get more irritable with age? Let’s take a closer look…

First of all, let’s examine the facts. Scientific research has repeatedly shown that older adults are relatively content and patient, and actually more pleasant than their younger counterparts. In fact, it is common for The Positivity Effect to heighten with age, that tendency to remember the good stuff overt the bad. Lifestyle changes such as creating your own schedule, not reporting to an employer or fighting a commute everyday are also linked to improved attitudes.

Yet we can all recall a cranky great aunt… or have maybe even witnessed mood changes in our parents. The reality is that these perceptions of annoyance that we attribute to aging in general are more of a symptom than an actual ‘disease’. Often irritability stems from challenges with coping with one piece of aging – not being able to read a menu  in dim restaurant light, unmanaged pain from arthritis or fall recovery, or even signs of dementia or depression. The silver lining in this actualization is that if you treat the symptom of irritability it does not have to become a constant state of discontent. Those who are older and appear to be grumpy may simply need a little more support or some basic adaptations to re-join the majority of older adults that ARE truly content.

The first step we can all take is recognizing that being irritable is not inevitable. Instead of labeling and steering clear of our elderly and seemingly ‘grumpy’ relatives, why not take a virtual walk in their shoes and add some comfort to the journey.

Read more about the stereotypes associated with ageism and when we should pay attention instead of attributing mood changes to part of a long life HERE.

Resource Used: The Truth About Grumpy Old Men (and Women)

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/
 

 

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Designations Create Distinctions: Let’s Talk About The Ship

By now you know exactly what to expect on our Coastal Credentials terms with regards to when we leave (March 30th!), how to book your reservation and what courses you can take.

But what you REALLY want to know is… what is the ship like?! What can I do on-board and what activities are there?! This week’s video answers all of these questions and more. Hear about the amenities, the sport and dining options, the recent transformation and more as Buddy reveals how this refurbished and renovated ship can give your soul a refresh too (don’t miss the spa!).

Did you know… Princess Cruises was voted the ‘Best Cruise Ship For Food Lovers’ by Wine & Food Magazine?! Find more about the ship’s offerings HERE.

 

See you at sea (in just over 3 months!),

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/
EHO

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Monday Market Update: Real Estate Considerations 2019 (3 Top Sources!)

crystal ballIt’s that time of year when the crystal ball comes out and everyone starts looking ahead at what 2019 real estate may bring. While I am a firm believer in focusing on the present and making wise decisions for you and yours given the conditions  we are in, I also know that expectations for the market are a large piece of the  overall planning puzzle.

In that spirit, I wanted to share what 3 top sources are reporting with regards to what they think will happen with regards to the market in 2019. (I caution you to take this data as overall, probable considerations– knowing that the market can change at any time based on a variety of factors.) But given what we know today… here is what Forbes, US News and The California Association of Realtors® think you can expect:

FORBES

| Forbes says to plan on rates hitting numbers not seen since 2008, potentially climbing to 5.8% and higher

| First-time home buyer (FTHB) demand will rise (even amidst rising rates) as the largest cohort of millennials approaches 30, known as the peak in household formation and home-buying age

| Home buying power will decrease – and so will pricing momentum with fewer buyers at each price point

| Inventory will loosen a bit but remain tight in the nation’s most desirable areas; expect inventory not to worsen, but not to improve ‘notably’

Overall, Forbes anticipates a slow-down that will create a healthier housing market, including normalized inventory levels amid less competition. Long-term demand and slower price appreciation will give incomes a chance to catch-up with affordability.

 

CALIFORNIA ASSOCIATION OF REALTORS®

| CAR® projects that interest rates will rise to at least 5.2%, hampering affordability and possibly holding back demand

| California median home prices are expected to increase 3.1% in 2019

| The local trend to watch is ‘outmigration’ as many Bay Area homeowners opted to leave their county or even the state – a trend that appeared to peak in late 2017 and early 2018 with the crazed seller’s market

| Buyers will continue to benefit from an improvement of supply

Overall, CAR® is forecasting  a home sales decline of 3%, a 3% improvement within the affordability index and an over 3% increase in home values.

 

US NEWS

| US News believes that rising rates have not pushed the vast majority of buyers out of the market yet, but that most could see an increase in their mortgage payment of app. $100/month; this may cause buyers to pause and also hold out for what they really want (no more settling for anything they can get!)

| Current homeowners will continue to build equity, just not as fast as we have seen before

| Housing starts reached a 10-year high in 2018, however, are still not yet on track to meet demand – especially in the entry-level sector

| Interest rate rises will restrict further new construction which is actually a positive – as oversupply was a huge issue in the 2008 recession (but isn’t likely to be an issue in a future downturn IF it happens)

| Rising home ownership rates as reported in Q3 of 2018 by the US Census Bureau are good news for renters – who are facing fewer renters to compete with and may have some bargaining power at last…!

Overall, US News expects that the higher cost of financing will create some signs of ‘early weakness’ in the market, but that overall home ownership rates will rise gradually as inventory and prices normalize. Historic low unemployment rates and marginally higher interest rates are signs of a healthy economy, which may slow but not stop buyers and investors.

Let me known if you have any questions about what this means for your home, your local market and your options!

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Senior Spotlight: Is Travel The Best Rx For Aging?!

IMG_0039We are the first to admit that home is absolutely where the heart is! But that does not mean it is a place you should never leave. As avid travelers ourselves, we were not surprised to read a recent article in AARP which championed seven advantages of travel that are good for the body and mind. In addition, AARP research indicated that 49% of Boomers traveled to rejuvenate in 2018, with many taking 4-5 leisure trips annually (spending about $6,400 on travel over a 12-month period). As we summarize the benefits below, ask yourself if your current lifestyle allows for travel (local, nationwide or global!) and how taking a trip or two could improve your own quality of life. One reason why many people choose to downsize is to create greater cash flow for hobbies and health – including travel and the associated aspects of mental, emotional and social well-being!

Welcoming The Unexpected. Chances are, you have spent your whole life planning – buying a home, raising children/pets, diversifying your portfolio, managing your 401K. But retirement brings the opportunity to plan less and enjoy more! Travel can bring experiences you expected… moreover – the surprise of food, places and people that you never expected (but enjoyed even more than what you planned!)! Travel is an amazing form of stimulation for the mind. New experiences bring new perspective; think staying young and fresh via heart and soul!

Keeping Us Up With The Times. Getting from Point A to Point B has changed a lot over the years. Trip planning might get you using the latest transportation app, googling the best eateries at your destination, booking hotels online or learning the latest carry-on guidelines. Keeping up with the times can help you feel better connected to those around you of all generations, and open opportunities for the use of technology that are helpful in multiple aspects of your life.

Giving You Something To Talk About. Let’s be honest… the grandkids and even the players at your card club do not want to hear about Medicare costs, arthritis or gray hair all the time. Don’t age yourself by only talking about the downsides of it. Being older brings the flexibility to travel that most people don’t have when they are young; better yet, talking about where you have been inspires great stories and might even get you a new travel buddy or two!

Are you already dreaming of an island get-a-way? A weekend trip to the beach? A European River Cruise? Here are some more tips to help you pack your bags and light up your life… and bring back with you more memories to fill your heart and home!

7 Advantages of Traveling

State Department Safety Tips for 50-Plus Travelers

Vacation Ideas and Travel Tips for 50-Plus Travelers

Travel Faster With an Airport Security Clearance

AARP Travel Research: 2018 Travel Trends

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/
EHO

 

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Designations Create Distinctions: Did You Complete The Ethics Course You Need By 12/31/18?!

ethics image

There are many ways that agents choose to define themselves ~ and one of the most recognized, respected and professional ways  is through membership in NAR® (the National Association of Realtors). But please don’t forget…

REALTORS®: your membership in NAR requires you to take an Ethics course of at least 2.5 hours every 2 years! A new two-year cycle began January 1, 2017. The deadline for this cycle is December 31, 2018.

Unsure about where you are in the Cycle?

| If your license renewal year was in 2017 or 2018 you’ve already complete the Ethics Class.

| If your license will renew in 2019 or 2020 you need to take a Code of Ethics class.

Learn more HERE.

I am pleased to be teaching a course that meets this requirement on Monday, December 17th from 9am to 12pm at SAMCAR®! Space is limited; cost is only $10/student so please register today and remind your agent friends too! See you soon!

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

EHO

 

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Monday Market Update: A Great Education Is Always ‘In’

With times changing (and the market too) … you may wonder how the market of today compares to that of the ‘old’ days?! While much has changed in terms of updating homes vs. leaving them customizable, de-cluttering vs. completely staging and the times of year that are ideal to sell – there is one constant…

A GREAT school is virtually always cool! 

It’s generally still true today that living near a top-ranked school adds measurable value and desirability to your home. According to the California Association of Realtors®, 47% of consumers consider highly-rated schools ‘very important’. That number climbs to 58% for consumers earning more than $100K annually.

School-is-Cool-hi-res

IF you live in a desirable school district, don’t feel like you have to wait until kids are out of school to put your home on the market. A family looking for a great home in a great neighborhood is often willing to move any time of year – and many would rather NOT move during grade promotions/graduations or vacations! Also, the cost of Silicon Valley means that many families are seeking condos or townhomes as starter homes; your residence does not have to an SFR to be a family’s first great achievement (especially if the nearby schools are notable!).

IF you live in a less than desirable school district, it does not mean your home will NOT sell. It just means that your agent needs to adjust your marketing strategy and target audience to fit that criteria. Does your school have an ‘open choice’ policy? How common are inter or intra-district transfers? What are the local private school options like and how does that factor into the cost of homes in your neighborhood?

NOTE: While schools are a critically important part of any buying/selling discussion – it is important to remember (and note in marketing!) that the buyer is responsible for verifying schools. You don’t want to ‘promise’ a certain school if boundaries change, if schools consolidate, etc. It is the seller’s responsibility to provide data that is deemed accurate, and the buyer’s responsibility to verify. Just as in disclosing anything about a home – transparency, integrity and honesty are key. The proximity to a top school is one thing – but guaranteeing any student’s enrollment into it is another… and out of your control! 

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®

Broker Associate, Today Sotheby’s International Realty

Bobbi Decker & Associates

BRE 00607999

bobbi@bobbidecker.com

650.346.5352

www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

EHO

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Senior Spotlight: Your Home Is STILL Gaining Value

FearI have said it before and I feel the need to say it again: do not let the media scare you! There are far too many headlines out there that depict the changing market like it’s a ‘bad’ thing. While it may not be the epic seller’s market it was 6-8 months ago – that does not mean that Silicon Valley is not one of the hottest markets nor that values are not still rising. In fact, many sellers are opting to sell now because they don’t feel pressured to wait for ‘what if my house goes up $30K next week’. Since I am a firm believer in realistic expectations, here is what I hope my seniors know if they have been thinking of selling and just aren’t sure if they should.

#1: Consider your reasons for selling. Just because the market has changed – does not mean your plans should! What were your reasons for thinking of selling? More available assets? Less home to manage? Closer proximity to loved ones? If none of those reasons have changed – your goals should not either.

#2: Look at your ROI today. For the vast majority of sellers, the market changes do not mean you will not make money by selling your home. In fact, the current market is more favorable to move-up buyers, downsizers and those whom are relocating in many ways. Market moderation often means you don’t have to worry about as many people competing for the home you want and the benefits of a more flexible timeline. While your home’s value may not be rising at the rate it was last quarter – it is still rising. According to the Case-Shiller National Home Price Index this fall, San Francisco is still among the 3 cities with the highest year-over-year price gains.

#3: Rates are holding recent lows. If you are worried that buyers for your home are getting priced out of the market – look for those windows of opportunity when rates appear to be holding. For example, homes on the market today are benefiting from buyers who can lock in at recent lows (which are still below 5% according to Mortgage News Daily!). If you wait 6-12 months, how many more Federal rate increases could there be? What could that do to the buyers who qualify to purchase your home today? If you can sell and get where you need and want to be… do not let rates stop you.

If you are currently in a long-term home and wonder if your window of opportunity has passed, contact me today for a home valuation and strategy session. We can talk about the timing and market and how we can make it all work for you

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Designations Create Distinctions: Buddy Reveals Why Take A Course With Bobbi (Shhh… Don’t Tell!)

Every now and then a member of our team takes over the blog because Ms. Bobbi Decker is too humble to share certain things herself… and this is one of those times! 😉 Those of you who have followed our Tuesday blog series titled ‘Designations Create Distinctions’ know that Bobbi has dedicated her 30+ year real estate career to both clients AND colleagues in the spirit of education like never before in 2018. Determined to raise the bar in our industry by exceeding client service expectations, enhancing agent expertise and uniting like-minded professionals has been at the forefront of everything Bobbi has done this year.

But… do you know why Bobbi is so committed to teaching?! Did you know it was her passion as long as she has been in real estate (even a little longer!?!? Have you heard that Bobbi was a cheer coach… a high school teacher AND one of the first women to enter Boston College? In this video, Buddy Saupe reveals why taking a course with Bobbi is so much fun and what she brings to the classroom! Check it out! (And don’t tell her we told you… she’ll blush for the next three decades!)

 

If you have not signed-up for the Coastal Credentials Cruise yet… please don’t miss out! Register today! 

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Monday Market Update: Is It Time To Make The Move?!

The term ‘seller’s market’ defined Silicon Valley real estate for the better part of the last 3 years… but now that prices are moderating, is the door really closed? Are sellers NOT going to benefit by selling today, or early in the New Year?

This is the kind of market where I urge people not to be plagued by generalizations or paralyzed by market dynamics. Price moderation does not mean that your entire ROI is debunked – and for many people it means that where they are moving to is also more affordable! If you have been on the fence about selling – I encourage you to gain a complimentary home valuation from a local real estate agent AND review how your home is fitting your life. There is still so much to gain when you go for what you want – and I am determined to help you get there! #nofear

Do any of these reasons apply to your life, your neighborhood and your financial position? If so – keep the conversation going and don’t stop until you are headed exactly where you want & need to be! Data courtesy of:

 https://www.car.org/en/marketing/clients/infographics/Making%20the%20Move 

Making-the-Move-hi-res

Remember – the price your home sells for is only one aspect of making the ideal move for you. Your personal health, your financial well-being, the cost and price point of where you want to be – as well as tax and maintenance costs are all fundamentally important factors. Don’t forget to calculate the BIG picture – by focusing on if your home could have sold for 3% more three months ago!

Please don’t hesitate to reach out with any questions!

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Designations Create Distinctions: Agent Attitude Of Gratitude

sres class july 2018

What a year!!! For so many of us in the real estate industry, the holiday season is a time to catch our breaths a bit. Not that it means we slow down or stop helping our buyers and sellers – but simply that the season brings us a bit of balance and perspective.

While we no doubt share the same and often talked about thankfulness for the clients, homeowners and referral partners who have entrusted us with so much, there is an agent attitude of gratitude that often neglects to get any mention. So this year as I extend my deepest and most heartfelt gratitude to every homeowner whom I have had the pleasure of representing – I want to take a moment to thank the amazing agents whom have crossed my path too!

Often called the ‘agents on the other side ‘ – I want to thank the agents who are actually on the same side! You know – those whom are representing the buyers of the home that I am selling. Thank you for bringing your clients to my sellers’ homes, for communicating honestly and openly and making sure that everyone involved gets what they want by the end! While every transaction has its share of negotiations, ups and downs and tight timelines – I am so grateful to work with those whom ‘get it’ and whom enjoy those happy faces at the end as much as I do!

If you have attended or spread the word about any of my educational courses this year, I also want you to know much I appreciate your support! Your spirit of collaboration, your desire to stand out, your commitment to who you want to help and how you want to help them is what drives me as an instructor. I am more than grateful to my students for wanting to learn – and for teaching me a thing or two as well! You always remind me why we really are ‘better together’!

As we approach this amazing day of gratitude called Thanksgiving, please know that my agent ‘attitude of gratitude’ is a commitment and recognition I hold all year. Thank you for helping me do what I do and love it!

Cheers,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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