Real Estate blog from Bobbi Decker

Monday Market Update: A San Mateo County Q1 Review

Mon, 27 Apr 2026 17:49:28 GMT

The real estate stats are in for Q1 2026 (that went fast!).

Wow! Can you believe that we are well into Q2 of 2026? April showers are about to bring May flowers, the clocks have sprung forward, and the spring real estate market has established its rhythm for the season. While every month (and community!) is subject to a different tune, there are some general themes that have emerged in this selling season. Below you will find two graphics, courtesy of the San Mateo County Association of Realtors (SAMCAR)® . One summarizes and averages the data from Q1 2026 ; the other provides the latest monthly data available ( March 2026 ).

A Few Highlights:

- Note that home prices and condo/townhome prices trend very differently . Home prices have modestly risen while multifamily unit prices have dropped a bit.

- Interestingly, condo & townhome sales spent less time on the market in March 2026 – possibly suggesting a greater demand and likely related to fewer multifamily listings.

- SFR inventory has increased month over month, year over year and quarter over quarter! Yet condo & townhome listings and closings only showed a small surge in February.

- March is showing the fastest pace of home sales year-to-date for both homes & condos/townhomes.

The bottom line is that single family home prices are still rising, and home inventory is increasing. Condo and townhome prices and inventory are more dynamic, and vary greatly based on location, size, community amenities and HOA fees. While SFR home prices are subtly rising year-over-year, multifamily property prices are rising month-over-month in 2026 but remain lower than this time last year.

Please, please chat with a real estate agent who is very active and knowledgeable in your community to determine what these patterns mean for you and your personal buying and selling goals.

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate, Bobbi Decker & Associates
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com
NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Senior Spotlight: National Donate Life Month

Fri, 24 Apr 2026 22:19:17 GMT

Did you know you are never too old to register as an organ donor?

April has been an amazing month, and it is also one that celebrates the gift of life through organ donation. As the designated “Donate Life” month in the United States since 2004, this is a time which honors the people who have given the gift of life through organ, eye and tissue donation. It also celebrates the lives that have been saved and healed because of a donor’s generosity.

While most people believe you must be young to both give and receive an organ or tissue donation, the reality is that individuals in their 50s, 60s, 70s, and older have donated and received organs. (One of the oldest organ donors was 95 years old and saved over 20 people through tissue and skin donation). According to the Health Resources & Services Administration , about 64% of all the people who received organ transplants were 50 or older; over 23% of all receiving patients were 65 or older (data last reviewed February 2025).

The bottom line: there are over 100,000 patients on the national organ transplant list and those who register to be a donor (at any age!) may help! 85% of these individuals need a kidney – which is part of the living organ donation program . Approximately 6,500 living donation transplants take place each year.

If you feel that organ and tissue donation is something you wish to learn more about or do, please visit the resources below. We would also like to extend our most heartfelt and meaningful appreciation to the medical care teams who support those on both ends of the giving and receiving life organ donation spectrum. Thank you!

About Living Organ Donation: https://www.organdonor.gov/learn/process/living-donation

About No Age Limits On Organ Donation: https://www.organdonor.gov/learn/who-can-donate/seniors

Learn About National Donate Life Month: https://donatelife.net/how-you-can-help/national-observances-celebrations/ndlm/

Sign Up To Be An Organ Donor: https://www.organdonor.gov/sign-up

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Just Say No To These Paint Must-Dos

Mon, 20 Apr 2026 18:11:53 GMT

Color outside the lines by breaking these design ‘rules’.

The world is full of what you should do, could do and are supposed to do – right? But sometimes we are following rules and we don't even know why! Real Simple recently published an article about stepping outside the box when it comes to paint tips – and we think these ‘rules' are all worth breaking! See the 5 paint ideas of the past that you can ignore – and enjoy designing your home on your terms! ��

#1: Paint Your Built In Bookcases White.

FALSE. White built-ins might historically be the safest color choice, but designers state that colored shelving and cabinets truly elevate your space. Suggestions include blue and green earth tones, or painting built-ins an accent color that matches the room’s textiles or furnishings.

#2: Trim Color Should Contrast With Paint Color.

FALSE. Did you know that the design trend of contrasting trim and walls was actually a way to show off an owner’s wealth in early American and Victorian eras, as paint was considered a luxury? Today’s designers opt for ‘color drenching’ and seamlessly blending trim into walls to evoke calm and simplicity.

#3: Lighter Colors Make Smaller Spaces Seem Bigger.

FALSE. Designers reveal that the opposite is true – darker colors in a small space create a sense of airiness; an even better idea is choosing two deep shades within the same color palette. Must see to believe!

#4: All Ceilings Should Be White.

FALSE. White ceilings stemmed from the days before modern lighting, as daylight and older fixture types depended on white ceilings to reflect and spread light. With current electrical innovations and recessed fixtures, the sky is the limit with what colors you can use. Just be intentional with your choices as overhead tones can feel more intense.

#5: Avoid Painting Textured Walls.

FALSE. While painting textured walls may not be easy due to dimensional surfaces, it can be impactful! Colored paint can actually enhance the look and feel of linen and grass cloth type walls and is more affordable than removing the texture.

Cheers to choosing paint colors and styes that work for you!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomers Represent 42% of Home Buyers

Thu, 16 Apr 2026 18:17:16 GMT

Equity makes all the difference!

This Just In: On April 15, 2026, the National Association of Realtors® issues a news release summarizing the findings of the ‘2026 Home Buyers and Sellers Generational Trends’ report. The results are clear in that Baby Boomers are a dominant force in the housing market, representing 42% of all buyers and 55% of all sellers!

NAR Deputy Chief Economist Dr. Jessica Lautz explains that “The housing market remains sharply divided between homeowners with equity and first-time buyers trying to break in…”. Lautz also states that “Baby Boomers are at a point in life when they have the flexibility to move, often with housing equity to help purchase their next home. Today, many Baby Boomers are embracing choice and moving to be closer to friends and family, to downsize, or to retire and enjoy a work-free lifestyle.”

Here are a few more interesting data points regarding buying, selling and Baby Boomers:

1) Baby Boomer home buyers represent the same share as last year, at 42% (unchanged percentage from 2025 report).

2) Boomers represent the lowest share of first-time home buyers, as most are using equity from their existing home sale to purchase their nest residence.

3) Multi-generational home purchases are declining in market share, from 17% of market share last year to 14% this year.

4) Baby Boomers account for 55% of sellers; most older Boomers sold their homes after 15 years while generational averages of time in home is 11 years.

5) 88% of all buyers used a real estate agent in their home purchase. 91% of all sellers used an agent, with the highest confidence in their agent reported by Older Boomers and the Silent Generation.

Resources Used: Realtor.com® , Housing Wire , Yahoo! Finance

We hope you find this data informative and gain some valuable perspective into the role that Baby Boomers continue to play in the housing market.

Cheers to a great rest of the week & weekend,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Is It A Buyer or Seller’s Market?

Mon, 13 Apr 2026 17:34:16 GMT

Depends on where you live!

Fragmented. That is the word the National Association of Realtors (NAR)® is using to describe real estate across the country. There is no one trend or characteristic that defines housing as a whole; we have always said that real estate is hyperlocal – and NAR® agrees.

Just last week, NAR® released what they are calling the “inaugural edition of the Realtor.com® Market Clock quarterly report” in which they analyze “where the nation’s 50 largest housing markets stand on the buyer-seller leverage spectrum.” If you think of the state of the real estate market as a clock, the national housing market sits at 3 o’clock – in what is considered the “balanced – loosening” quadrant, heading towards a buyer’s market but not quickly by any means.

On a more definitive level, the top 50 metros across the US actually span 9 of the market clock’s 12 positions! That’s where the word fragmented comes into play – there are countless markets in countless states of inventory, affordability, demand and pricing that impact where they stand on the buyer-seller market spectrum.

Quick Data Dive – Top 50 US Metros

1) 13 (26%) are currently seller’s markets.

2) 23 (46%) are balanced-loosening markets.

3) 6 (12%) are balanced-tightening markets.

4) 16 of the top 50 markets are in the late balanced or early buyer’s market phase.

5) The top 50 metros span 9 of the clock’s 12 positions — the widest distribution since our data began in 2018.

In Silicon Valley, the San Francisco metro is considered a tightening market based on data from June thru December, and the San Jose metro is stable with no change in the same time frame. Both are considered seller’s markets.

- Read the article in full HERE .

- See the NAR® Market Clock HERE .

Have a great week!

Bobbi

Bobbi Decker
DRE#00607999

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/

Heartfelt Easter Wishes For You

Fri, 03 Apr 2026 17:55:57 GMT

May you rejoice in all that comes next!

Happy Easter Friends! I hope that this first week of April and first spring holiday bring you peace, love and renewal. This Easter is especially meaningful for me as I look back and reflect on the past 5 years and know that while I have given my all in my health fight, I have not been doing it alone. I would like to express my deepest appreciation for my family, my friends and my faith for getting me through many days that have been challenging to say the least.

In continuing to admire the work and faith of Maya Angelou, I wanted to share this quote about what we give, and what we receive.

This quote reflects vibrancy, perseverance and strength – and reminds us that there is more at work behind the scenes too. It is equally important to give our all and put forth our best selves, and to wait with patience for what we shall receive in return.

No matter what you believe or what you are facing, my sincere hope for you is the strength to act with your whole heart and to have faith that what comes next is exactly what you need (even if it’s not what you were expecting).

May we all practice resilience & renewal as we rejoice in our celebrations this Easter,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Bright Days Are Here

Thu, 02 Apr 2026 17:23:24 GMT

Our best blogs about seniors & sunshine safety!

April is here, Easter is upon us and the Bay Area has already experienced two heat waves. If you follow our blog, then you know what that means – it’s time to shine our focus on sun safety! While we all inherently know by now about the damaging effects of UV rays, we tend to demonstrate less caution in the sun as we age. Many of us figure ‘it’s already too late’ or the time we spend outdoors ' is not enough to hurt.'

But the reality is that sun exposure is cumulative, skin cancer rates are highest in seniors, and many medications can increase our sensitivities. That’s why this week we are sharing our 3 best blogs on seniors & sun safety below. Enjoy!

The Sun Keeps Rising

In the spirit of keeping it simple, this blog reveals 3 super simple tips to keep seniors sun safe. It also provides a link to a highly informative piece by the Skin Cancer Foundation on “Why Seniors Can’t Skip UV Protection.” If your self-proclaimed spring break only includes one beach read – this is it!

Sun Exposure Matters – At All Ages

According to the CDC, less than half of older adults protect their skin from the sun when outside for an hour or more. Yet skin cancer rates are highest among older adults! Learn why saying yes to sun protection matters at all ages (it’s never too late), plus read about skin cancer and longevity, skin self-checks & more.

The Sunbelt Isn’t For Everyone

This blog is less about the effects of those UV rays and more about the effects of heat plus home prices. Read why the mid-west is becoming a competing retirement spot for older adults and where the population shift is occurring in regard to weather.

We hope you found something useful in these reads and encourage you to pass them along. May we all support each other in staying safe in the sun and in every season!

Warm wishes ��,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Women & Real Estate

Sun, 29 Mar 2026 22:07:04 GMT

As homeowners & Realtors®, women have made remarkable strides.

Before Women’s History Month ends, we wanted to share some inspiring (and maybe surprising!) statistics on women and housing. We have compiled two sets of data for our readers to enjoy, with one set of data focused on women working in real estate and the other focused on women as homeowners. Take a peek at the facts below and note the resource links shared below the graphic!

Source Links: Rocket Mortgage , Fortune , the International Business Times

and Realtor.com® .

The bottom line is that the success of women working in real estate and owning homes is proof of what perseverance and dedication can achieve. Even with wages not equal to men, women are a driving force in the housing market and outpacing men as single homeowners. The word that comes to mind is: unstoppable.

Cheers to strong women – may we be them, know them & raise them!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomers Rank As Top Travelers

Thu, 26 Mar 2026 17:10:38 GMT

See senior trip trends & vacation preferences in our NEW blog!

The arrival of spring, the first heat wave, the time change… if all of these things do not point to summer on the way – then we are not sure what does! As we welcome the newest season and longer days, many of us also start thinking ahead to summer and fall vacations! That’s why this week our blog is inspired by a recent article from Fodor’s titled “Boomers Still Travel More and Spend More Than Other Generations.”

The article summarizes data from a just-published (March 20, 2026) report by YouGov that reveals how Baby Boomers are shaping travel demand. Here are the top 10 take-a-ways from the surveys conducted:

#1: 37% of Boomers say they take multiple trips per year, compared to 33% of younger generations.

#2: 27% of Boomers spend at least $1,000/person per trip, compared to 21% of non-Boomers.

#3: 24% of Boomers prefer cruises vs. 17% of other ages.

#4: 50% of Baby Boomers prefer beach vacations! The next most popular spots include lakes, mountains, the countryside and sightseeing locations.

#5: Top US Boomer travel destinations are Hawaii, Florida, Arizona & Las Vegas.

#6: Top international Boomer travel destinations are Canada, Ireland & Italy.

#7: Destination preferences for Baby Boomers tend to blend cultural and geographic familiarity with well-established tourism infrastructure.

#8: Boomers are less likely to seek the vacation types of: city breaks, amusement parks, camping, event trips and activity/sporting-based trips.

#9: Boomers are also less likely than other generations to travel to South Korea, China, the Maldives, Malaysia and Thailand.

#10: Other notable Boomer travel trends include taking trips to see friends & family, prioritizing convenience of flights over cost savings and higher usage of a travel agent (human touch!) vs. AI or travel apps to plan routes.

The most important question remains – where do you want to go this year? Do you prioritize your travel based on who you want to see or where you want to go?

Happy trails…

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Hottest Week To Sell Is Less Than One Month Away

Mon, 23 Mar 2026 17:26:03 GMT

See what factors influence the ‘right’ time!

March is here and April is right around the corner; according to real estate economists – that means an ideal period of opportunity is approaching for sellers! Last week, Realtor.com® published an article declaring that the “week of April 12-18 is expected to have the ideal balance of housing market conditions that favor home sellers, more so than any other week in the year.”

While we will summarize the data behind this declaration below, we want you to consider this data in the context of a few key points. First, this statistic is based on national market data and may or may not be indicative of the ‘best’ time to sell where you live. Real estate trends are VERY local so please chat with an active agent in your area (and let us know if you need help finding one!). Second, inventory remains an issue across the nation and even though April 12-18 might be the ideal time to sell according to the stats – Realtor.com® also states that “a well-priced, move-in-ready home is likely to find success even if they’re not optimizing for the best week of the year.” And third, as we always say, the ‘best’ time to do anything is the time that is right for you, given where you are moving to, how much time you need to prepare your home for sale and what other personal factors pertain to your timing.

Benefits of Listing April 12-18, 2026

1) Prices: Homes listed during this week have historically reached prices 1.3% higher than the average week throughout the year and are typically 6.6% higher than at the start of the year.

2) Demand: Homes listed during this week typically receives almost 17% more views – which is linked to how many offers a home receives and how fast it goes into contract.

3) Pace: Homes listed during this week have historically sold 9 days faster than the average week, or spent 17% less time on market.

4) Competition: Given that this window is considered early in the selling season, there is generally 12% fewer other sellers on the market during this time.

5) Price Reductions: This period of time is also associated with nearly 19% fewer price reductions than the average week of the year (price reductions increase as the year goes on and peak in the fall after the summer rush).

Regardless of if you list during the ‘best’ week , we hope you have learned about some of the factors important to selling success so that you can ask your trusted agent about them and apply the considerations to your market!

Cheers to listing & learning,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Senior Housing Demand By The Numbers

Thu, 19 Mar 2026 17:49:54 GMT

Senior housing demand is back.

Welcome back to the Bobbi Decker Senior Spotlight! Sometimes the best indicator of where we are headed is where we have been, so this week we are applying that to senior housing demand! Earlier this year, Multi-Housing News published the results of a comprehensive report on the latest senior housing sector market fundamentals compiled from 2025 data.

We encourage you to read the article in full HERE and have created a quick overview of the data below.

Click image to enlarge.

In short, senior housing occupancy rates are climbing, rental rates are stabilizing and inventory is slowing. As an investor, this may present significant opportunity to make a move in an in-demand market. As a senior, this means that your options may be limited, cost is something to watch and planning is imperative!

Cheers to planning & preparing your best life,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: San Mateo County Statistics

Mon, 16 Mar 2026 17:30:17 GMT

Local level market data (and where to find yours!).

Knowledge is power and as we march into the spring market, we wanted to share what is happening on a local level in San Mateo County. Below we have provided some graphics courtesy of the California Association of Realtors® that is indicative of market trends as of January 2026. February 2026 data will be available in the next 2 weeks. For reference, here are how a few of these data points compare to state averages.

As you can see, real estate trends are very hyper-local and can vary greatly within each county depending on the neighborhood, and across the state as well. Therefore, any time you hear news outlets reporting home price and sales data – be sure to ask yourself: Is this national data, state data, or county level data? Does this apply to where I live? What features of my residence and community might impact my own value, resale value and opportunities?

To view your own Market Stats By County, click HERE .

To get Housing Market Overview graphics by county, click HERE .

To read the weekly Market Minute Wrap-Up, click HERE .

Happy reading, learning & reflecting,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Fresh News On Connection, Wealth & Feeling Relevant

Thu, 12 Mar 2026 17:55:47 GMT

A little bit of everything this week!

Welcome back to the Bobbi Decker Senior Spotlight! This week as we scoured the headlines just for you, we came across 3 reads that offer fresh perspective on long-standing topics. Below you will find a new way for seniors to connect with others, a perspective on how family relationships change with age and a different take on ‘the great wealth transfer.”

The Payphone Is Back

Have you heard about the “Call A Boomer” program launched by the emotional fitness community “Matter Neuroscience”? The concept is simple: a payphone on Commonwealth Avenue at Boston University encourages college students to pick up the phone and they will reach another payphone at a senior living complex in Reno! Calls may lead to intergenerational voicemails, conversations and unexpected connections. Matter Neuroscience says, “The goal is to foster connection between generations that most often experience loneliness.” Read more here .

From Companion To Spectator: A Personal View

Wow. This one feels a bit heavy, but we are sharing because it is highly relatable. Relationship publication Your Tango shares a heartfelt but melancholy article from Meryl Baer who talks about “the quiet pain of no longer being the one everyone needs.” She talks about the changes in interests and activity levels as grandparents age and their energy struggles to compete with their adult children and teen grandchildren. Ultimately the message is: “Our kids age, we age, and relationships transform.” Read it in her words here .

Will Wealth Evaporate Before It’s Passed On?

This is the unwieldy question raised by researchers in a ROLE Advisory white paper which argues that “trillions in projected boomer wealth may quietly evaporate before reaching younger generations.” ROLE Advisory Founder Rowland Hanley talks about how the great wealth transfer estimate of $70 to $100 trillion “… is not wrong — it is incomplete. It treats boomer wealth as a static stock to be handed from one generation to the next, without accounting for the fact that boomers are also the engine driving the value of what they hold.” The research paper ultimately suggests that wealth be viewed as an integrated model accounting for not just total Boomer wealth, but housing supply, consumer spending, rising costs of living and more. Read the overview here .

We hope you got a chance to explore something new or view a new perspective on a past topic!

Cheers to new looks at news as we approach a new season!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Are Traditional Kitchens Replacing Modern Vibes?

Mon, 09 Mar 2026 17:48:44 GMT

Warm wood tones and textured finishes are in for 2026.

Our Monday Market Updates are often about price trends and sales updates but also serve to keep you updated on home and lifestyle news too. This week, we wanted to share an emerging theme in 2026 related to the most popular and used room in your home – the kitchen!

While there has been a definitive era of modern, sleek kitchens with white and gray hues, a design revival is taking place that evokes all the feelings of our childhood kitchens. The ‘brown’ kitchen is no longer looked at with disdain but is actually making a comeback! Designers around the nation are talking about how warm wood tones, cozy character, textured finishes and even patterned tile floors are defining kitchen style in 2026. Here is an overview from 4 home and real estate publications…

Realtor.com® states that there is a renewed resurgence in wooden kitchens inspired by log cabins and midcentury modern gems. Top trending searches indicate the most popular terms related to kitchens are: “wood kitchens, “vintage kitchens”, honey oak kitchen”, “cozy kitchen” and “medium wood cabinets.” The publication advises that you can even transition your all-white kitchen to the cozier trend by adding more color to the walls or changing out hardware and fixtures.

House Beautiful believes that “tile and texture will be huge” in 2026. Warm, textured woods and woven finishes invite touch, while banquette seating and patterned tile floors elicit cozy, timeless sentiments of simpler days. Statement appliances and decorative vent hoods are also setting the stage to add more personalized character and style.

Good Housekeeping says it simplest: Traditional kitchens “evoke a sense of home.” Their designers assert that minimalist kitchens are becoming less popular as homeowners embrace traditional, functional and personalized spaces. Rebecca Roberts from Method & Moxie explains that “This shift is driven by three key factors: comfort and familiarity, timeless appeal and a reaction against the starkness of minimalism.” Expect more architectural details and fewer clean lines, along with more warm color palettes and fewer cool tones.

Veranda identifies how the kitchen is the hub of the home for not just cooking, but for family chats, homework time and just daily life. With a focus on the kitchen as a “thoughtful, smart and efficient” space, Veranda writes that character and coziness are top priorities. Key concepts include inspired islands (unexpected butcher block or soapstone tops and even moveable versions), seamlessly blended appliances with paneled fronts and the idea that “brown is so back.”

What’s cooking with your kitchen design this year? Feel free to share with us at any time!

Have a great week,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Fast Facts About… Colorectal Cancer

Thu, 05 Mar 2026 18:40:55 GMT

FYI: Screening saves lives.

Welcome back to the Bobbi Decker Senior Spotlight; you may remember that earlier this year we added a featured called ‘Fast Facts’ to our content line-up in which we highlight an area of key information for older adults and provide 5 simple statements about it. Since March is Colorectal Cancer Awareness Month, we are now pleased to present ‘Fast Facts About Colorectal Cancer.’

#1: Colon cancer is the deadliest cancer in people under age 50, and the 2nd deadliest cancer overall. It is the least funded of major cancer types yet is the only one with increasing mortality.

#2: Colon cancer is most prevalent in those aged 56+, however, cases are drooping in this age group due to better detection. However, rates of colon cancer are increasing most in those aged 18-44 followed by those aged 45-55.

#3: Colon Cancer screening saves lives. Proper screening is linked to higher survival rates as cancers detected sooner are easier to treat. According to CDC, increasing screening by 80% could reduce colon cancer deaths by over 30% by the year 2030.

#4: There are multiple methods to screen for colon cancer – not just colonoscopies. Talk to your doctor to determine which screening method is best for you.

#5: You can control many of the risk factors for colorectal cancer, such as: diet, exercise, smoking & alcohol use and knowing your family history to navigate screening timelines.

We hope you now have every reason you need to talk to your doctor about colon cancer screening to determine the best plan for you!

Learn more: Colorectal Cancer Awareness Month: What to Know , National Colorectal Cancer Awareness Month , Colorectal Cancer Communication Resources , National Colorectal Cancer Awareness Month , Colorectal Cancer Screening Tests

Cheers to health, happiness and habits that help us live longer & live better,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 5.5 Million Potential Buyers Added In 2026

Mon, 02 Mar 2026 17:59:06 GMT

Plus, pending sales in the SF metro rose almost 9%.

Spring isn’t here yet but the seasonal activity in the real estate market is already in bloom! A few weeks ago, the National Association of Realtors (NAR)® published a news release plus the graphic below on the status of national pending home sales.

The two most notable trends that have emerged are:

1) A statement from Lawrence Yun reported that based on today’s rates, an additional 5.5 million households can qualify for a mortgage that would not have been eligible 12 months ago. Note that historically only 10% of those eligible will move quickly, but it’s still a circumstance that could impact the market.

2) The West shows the second highest increase in month-over-month pending home sales of all four regions, but the lowest year-over-year pending sales growth. The San Francisco–Oakland–Fremont metro ranked #4 in the country of the 10 markets posting the biggest annual increases in pending home sales, with a jump of 8.9%.

To read more about the national averages and regional differences, be sure to read the NAR® news release in full here .

As always, be sure to let us know if you need a trusted referral to discuss the dynamics and opportunities in your current community. We cannot emphasize enough that real estate is a hyper local industry!

Cheers to a new month with fresh focus,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: What Baby Boomers Want You To Know

Thu, 26 Feb 2026 18:43:54 GMT

… and what to ask to start the conversation!

We all know that life is precious, and spending time with our loved ones is not something you can recreate if you miss out. While generational differences and values can feel hard to bridge, there is so much perspective and closeness to be gained by keeping the lines of communication open between older and younger individuals.

A recent article in the Huffington Post stated the often overlooked but obvious: “As challenging as it may feel sometimes, there’s a simple solution for those wanting to experience more closeness with their boomer relatives and to understand them better: Ask more questions.” These questions can make your older loved ones and grandparents feel heard and respected and may help you see why they feel the way they do or think the way they think.

Licensed mental health counselor, Anna Marchenko, explains that “[Older relatives] tend to want to be understood in the context of the world they grew up in. These questions often slow conversations down in a way that makes real understanding possible.”

Sample questions include:

- ‘What do you wish people asked you about more?’

- ‘What was your family like when you were growing up?’

- ‘What did the world expect from you when you were young?’

- ‘When you look at the world now, how does it feel to you?’

- ‘Is there anything you still feel responsible for passing on?’

- ‘What feels good in our relationship right now? What doesn’t?’

To learn more about the reasoning behind these questions and what the answers may reveal, be sure to read the article ‘The Questions Your Boomer Relatives Wish You’d Actually Ask’ in full.

Similarly, a women’s publication touched on a similar subject last year. Women’s minister Kelly King shared that as Baby Boomers, “We represent a large group of people who are in various stages of life. Many are still working full time, some are grandparents, and some are enjoying retirement.” She also stated that Baby Boomers have a strong work ethic, are often caring for family members, aren’t as open to talking about mental health as younger generations and that they are often optimistic about the future and love technology!

Senior Living acknowledges that “it’s hard to give a general label to a group that came into the world over a nearly two-decade stretch—older Boomers are different from younger Boomers.” They report that in general, Boomers are characterized as being positive and having a confident attitude largely because: they watched businesses grow, experienced a high rate of home ownership, witnessed labor unions improve working conditions and saw wages rise.

If you are a Baby Boomers, what do you wish people would ask you? If you are of the younger generation, what is the first thing you would like to ask an older relative? Is there anything you would be concerned to ask?

Conversation can open doors to understanding – so long as both sides are heard, respected and willing to listen with an open heart.

Cheers to living longer, living better, and speaking from within!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: National Home Price Trends Not Applicable To California

Sat, 21 Feb 2026 23:44:25 GMT

SF Gate reports how 3 major metros in our state ‘buck the trend’.

The headlines rarely tell the whole story – especially in real estate. As the spring real estate market emerges and the news reports how sales are shaping up – we encourage you to remember that one headline does not fit all – especially when it comes to housing.

At the beginning of the month, the SF Gate reported that while “…the nationwide housing market remains sluggish and has flipped largely into a buyer’s market, California continues to buck the narrative.” Though national news outlets often report that the trend is shifting towards a buyer’s market and that many of the nation’s buyers pay below list price, that statement does not hold true in 3 major California metros.

Of four cities in the nation that had buyers routinely paying over asking price in a 2025 report, three of them were in the Bay Area: San Francisco, San Jose and Oakland. (The non-California city amidst the list was Newark, New Jersey.) In San Franciso, buyers paid an average of 3.8% above list price, while buyers in San Jose and Oakland paid 2.3% and 1.3% more respectively.

Some real estate sources attribute the above-asking price status of these cities to the AI boom and the return to office work policies. Redfin Chief Economist Daryl Fairweather believes that the rarity to get a home in the Bay Area below list price is a feature of “the resiliency of California.”

For contrast, the biggest ‘discounts’ on homes that are sold is 7% - 9% below list price in Austin, Texas and West Palm Beach, Florida.

Ultimately, the value of your home is going to depend largely and almost entirely on your local micro-market, the condition of your home and the pricing strategy utilized. Please be sure to let us know if you need a referral for a trusted, knowledgeable real estate professional in your neighborhood!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Future of Memory Care

Wed, 18 Feb 2026 20:41:15 GMT

Modern care trends to support those living with dementia.

As the Bobbi Decker Senior Spotlight continues to focus on living longer and living better, we feel it is critically important to address memory care. The National Institutes of Health (NIH) estimates that 42% of Americans over age 55 will eventually develop dementia. Given the aging of Baby Boomers, that number is expected to double by 2060. With dementia and Alzheimer’s affecting more than 7 million people per year and counting, countless health and medical organizations are advocating for improved healthcare policies, best practices and interventions for those living with, or at high risk of, dementia.

Just a few days ago, Senior Housing News published an article titled ‘How Operators Train Staff for a New Era of Memory Care.’ The article talked about several strategies that senior living operators are adopting and/or creating to better support those with dementia. Just a few proactive steps include:

- Requiring memory care program directors to obtain a Certified Dementia Practitioner (CDP) license .

- Evolving current memory care models to include staff training on communication, emotional awareness and how to understand resident behavior.

- Educating staff on how dementia progresses and how communication needs to change with residents to reflect that.

- Recognizing individual preferences and creating supportive routines that reflect each residents’ needs for comfort and familiarity.

- Shifting away fron 'one size fits all' programming towards person-centered care that includes meeting socialization needs and creating/sustaining meaningful connections.

- Adapting staff training to incorporate examples of what life with dementia looks and feels like to establish empathy.

- Utilizing AI-powered conversations to simulate interactions with dementia patients and practicing effective communication.

Wow! Is anyone else inspired by the individual-centered, empathy-based, informative approaches? By teaching caregivers and staff what to expect, how dementia progresses and simulating how memory challenges look and feel, compassionate care seems more within reach than ever. It will also be interesting to see how Certified Dementia Practitioner training evolves and what new career fields this could open.

Cheers to meaningful care,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: It’s Random Acts of Kindness Week

Sun, 15 Feb 2026 22:47:50 GMT

7 ways to spread positivity & compassion.

As you may know, Bobbi Decker Real Estate has always been about more than transactions of buying and selling homes, but about helping people . Success to us is never measured in dollars but always by the impact that you make in others’ lives and the joy that you create along the way. That’s why if you know us, it will be no surprise to you that we want to spread the word this week about Random Acts of Kindness Day (February 17, 2026) and Random Acts of Kindness Week (February 14 – February 20, 2026).

History

To learn about the roots of Random Acts of Kindness Day and Week, click here . In summary, the Random Acts of Kindness movement started over 40 years ago in the San Francisco Bay Area with an article published by Berkeley writer and activist Anne Herbert. The Random Acts of Kindness Foundation (RAK) was created in 1995 in the Bay Area to support annual recognition and celebrations, always taking place the week after Valentine’s Day. RAK was purchased soon after by a private foundation and moved to Denver, Colorado where it is now located.

Benefits

Before we get into countless resources and ideas on spreading kindness, we want to share the benefits. While the most important aspects may be building community and supporting others, there are benefits to the giver as well as the receiver.

Harvard Health is one of countless resources that has shared how “Some studies have indicated [kindness] can improve happiness and a sense of engagement with life, reduce symptoms of anxiety, and increase a sense of social connectedness." Much research has shown how being kind to others improves our mood, compassion, empathy and self-esteem while reducing isolation and loneliness (which has many physical health benefits!).

Ideas

There are virtually endless ways to do good and show kindness. Here are 7 ways suggested by AwarnessDays.com :

1) Give Compliments: Offer sincere compliments to friends, family, and even strangers to brighten their day.

2) Pay It Forward: When you’re at a coffee shop or drive-thru, pay for the order of the person behind you.

3) Send Thoughtful Messages: Send uplifting messages or notes to friends, reminding them of your appreciation and support.

4) Help a Neighbor: Assist a neighbor with tasks like shoveling snow, mowing their lawn, or grocery shopping.

5) Donate to Charity: Contribute to a charitable organization or cause that you’re passionate about.

6) Visit the Elderly: Spend time with elderly individuals in nursing homes or assisted living facilities, offering companionship and a listening ear.

7) Volunteer Your Time: Volunteer at local charities, shelters, or community events to make a positive impact.

More Resources:

Kindness At School , Kindness At Work , Kindness At Home (The Random Acts of Kindness Foundation)

39 Random Acts of Kindness Ideas (The Kokomo Post)

50 Random Acts Of Kindness You Can Do Today (Mental Health Foundation)

We hope that RAK Day and RAK Week inspire you to be kind – not just now but in all that you do, all year through!

Cheers to being kind,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: February Is American Heart Month

Thu, 12 Feb 2026 19:34:13 GMT

Hands-Only CPR can be a lifesaver.

We often think of February in terms of love and hearts… but as American Heart Month, we encourage you to make sure that focus includes a healthy cardiac system! There are countless resources to help you learn and live a heart-healthy lifestyle (we have included a few below!). But what we want to include in this blog is information from the American Heart Association that we all can learn to help save a life!

Did you now that men over the age of 45 and women over the age of 55 are at highest risk for cardiac events? Did you also know that CPR, especially if performed immediately, can double or triple a cardiac arrest victim’s chance of survival!

Watch this video below from the American Heart Association on how to ‘Save An Adults With Hands Only CPR.’

More American Heart Month Resources:

- American Heart Association®

- National Heart, Lung & Blood Institute®

- American Red Cross

- CDC & Heart Disease

Cheers to healthy hearts this month & always!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Two CA Cities In The News

Tue, 10 Feb 2026 18:35:35 GMT

The end of 2025 saw Riverside & Napa in the headlines, here’s why.

The Super Bowl is behind us, and the spring real estate market is upon us! It’s hard to believe that 2025 was less than 45 days ago, right? Last week, Realtor.com® revealed two California cities that ended the year in notable positions for two different reasons. Here is what you need to know!

Riverside, CA

Riverside ranked #7 in the top list of buyer’s markets as of December 2025! Realtor.com® explains: “The rule of thumb is that it is a seller's market if supply drops below four months. If supply reaches four to six months, it's a balanced market. More than six months of supply signals a buyer's market.” In November 2025, Riverside housing inventory reached 7.4 months of supply. The January median list price was $585,000. Thus, Southern California buyers looking for greater inventory options and better negotiating power may wish to consider home shopping in Riverside.

Read about the top 10 buyer’s markets in the US here .

Napa, CA

Napa made the news for a different reason last week, as Realtor.com® reported the city with a #4 ranking among metros with the largest home price declines. The median list price in Napa is now $1,304,500 ($1.42 million in August 2023). 11.6% of listings in Napa saw price reductions in January. Analysts cite 3 key reasons: 1) Napa is a slower migrating market in general, which surged in a post-pandemic environment with more space and fewer restrictions than other surrounding cities. 2) Napa, like Kahului-Wailuku, HI in the #1 price declining position, is considered high-wildfire risk, making insurance costs rise. Cotality's principal economist, Thom Malone states “The decline in prices is necessary to compensate the buyer for the [rising] insurance costs, since the attractiveness of the areas has not changed otherwise." 3) In general, all data points to the fact that the US is in a rebalancing phase.

Current housing market conditions reflect a much-needed normalization driven by economic and housing fundamentals. Economists expect fewer double‑digit price surges and bidding wars as buyers and sellers gradually realign their expectations.

Read more housing markets with softening growth and steep declines here .

Stay tuned for Monday Market Updates this season that unveil how the 2026 market unfolds!

Cheers to fresh news & brighter days ahead,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Help Not Wanted

Wed, 04 Feb 2026 18:58:12 GMT

What to do when aging loved ones refuse support.

There is one truth perhaps even more certain than death and taxes – which is that none of us are getting any younger. As we age, it is inevitable that our needs will change and thus our lifestyles and support systems must adapt too. While there are 63 million family caregivers in the US and nearly half of those aged 65 and older require help with the tasks of daily living, the desire for help is often much less than the need. In other words, even those who can’t do everything alone… won’t let anyone help them!

There are countless reasons why aging loved ones decline support, ranging from not wanting to burden anyone, to concerns about losing independence to cost and convenience challenges. While it would be impossible to suggest that all of these obstacles can be overcome with ease, we have selected 3 articles that offer guidance and perspective.

Coping With Caregiving When You're Not Wanted | Next Avenue

This insightful article is divided into 3 key parts: 1) Understanding the reasons behind unwanted support; 2) Establishing boundaries and allowing distance and 3) Choosing self-preservation. The end of the read also lists 5 caregiving support services - check it out .

What To Do When Aging Parents Refuse Help | Eldercare Alliance

This post starts out with a not surprising fact; 77% of adult children say their parents act stubbornly. While it is comical and relatable on one hand, it is concerning on another as how do you help someone who needs it – but won’t allow it? With 7 simple steps to take when an offer of help is seen as a hindrance, this is worth a read today .

Why Seniors Refuse Help | Aging Care

This article addresses some harsh realities – the stigmas associated with aging, how sometimes denial leads to poor decisions and hiding indiscretions (i.e. secretly driving) and how intervention is required if severe dementia or cognitive loss is involved. However tough these conversations are, safety and dignity take precedence, so we applaud this article for addressing the tough stuff.

We hope that whether you are a caregiver or someone receiving support, you can achieve a balance of wants, needs and circumstances. Aging is never easy, but a life well lived is more than worth it.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: No Renovation Necessary

Mon, 02 Feb 2026 17:42:55 GMT

5 ways you can refresh without a remodel.

Real Simple magazine published an article last week very true to its name, with a read based on 5 very simple ‘rules’ to reinvigorate your home this year without a remodel. While the groundhog may have spoken today that there will be 6 more weeks of winter, these ideas can transform your living and sleeping spaces in this season and carry you well into spring and summer.

Here are 5 ways that serve as “Proof that a few good habits can out-design a full renovation.” ( Real Simple, January 27, 2025, Arlyn Hernandez)

#1: Finish a Room (and We Mean All the Way): Add that area rug, hang the curtains, buy the accent pillows. One completed room feels amazing and may inspire you to do the rest!

#2: Dedicate Funds to One Impactful Upgrade: Few of us can afford to buy all new living room furniture, but a distinctive coffee table or statement sectional can be the ‘it’ factor. For a kitchen or bath pick one upgrade alone such as all new hardware or swapping tiles for single surface slab.

#3: Turn an Everyday Chore Into a Ritual: This ‘no-cost’ upgrade is a daily routine you add to elevate your lifestyle. Turning on 2 lamps per room at five o’clock or re-setting your living room when you go to bed so you wake up to a fresh space can really add a positive baseline to all that is not as predictable.

#4: Edit What You Have Before You Buy: Let’s remove the words ‘clean’ and ‘declutter’ this season. Let’s just edit what we’ve got; subtract things that no longer serve you and re-arrange what is already in your home. Creating space is an often overlooked design change.

#5: Invest in Where Your Body Rests: Think “better sleep, better seating and better materials” according to Real Simple. Whether it is a new mattress, new reclining armchair or new blankets – invest in what makes you feel (and rest!) well.

Have you been inspired to refresh your space without a remodel? Which idea could you see yourself using today? We’d love to hear from you!

Cheers to small and simple changes that make a big difference,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Fast Facts About… Sodium

Thu, 29 Jan 2026 18:44:45 GMT

Including surprise salt sources you would not expect.

The first month of 2026 is almost behind us and moving forward, we are adding a new feature to our Senior Spotlight! Every once in awhile we are going to pick a topic and provide 5 fast facts about it. This week, our topic is something that applies to virtually every single one of us: sodium!

5 Fast Facts About Sodium Intake

#1: The American Heart Association recommends no more than 2,300mg of salt per day, ideally 1,500mg or less for most adults.

#2: Managing sodium is a top priority for older adults; too much salt is linked to high blood pressure, heart disease, kidney problems and other risks and health conditions.

#3: Staying well-hydrated is an often-overlooked component of balancing sodium needs (drinking plenty of water helps your body remove excess salt!).

#4: Low-calorie foods can be surprising carriers of salt! Be sure to check the sodium content of: breads, cereals, condiments, processed cheeses and vegetable juices as well as all canned foods.

#5: The very best source for guidance and support related to your sodium intake is your trusted healthcare provider. Please check in with your doctor this year about what dietary needs are most important to you.

We hope you enjoy this new ‘Fast Facts’ feature! Look for more coming soon!

All our best,

Bobbi

Resources Used: How Much Sodium Should I Eat Per Day? , What Foods Are High in Sodium? 8 Surprising Offenders , 5 Ways for Seniors to Reduce Sodium Consumption

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Latest Luxury Market Rankings

Mon, 26 Jan 2026 18:02:00 GMT

The newest quarterly report reveals balance matters more than price!

Did you know that every quarter, the Wall Street Journal and Realtor.com® partner up to analyze and publish updated editions of the ‘Luxury Housing Market Ranking’ ? The results come after scoring 60 different luxury markets across the United States in categories such as: supply and demand strength, economic health, and quality of life. Top spots are awarded to metros that emerge as the highest-performing and most attractive metro areas for luxury home purchases.

You may be wondering if Silicon Valley scored among the top-ranking areas and in short, the answer is no. But the report is still insightful as it gives us information into what makes a luxury market desirable and sought out – and this quarter’s theme is – balance!

Realtor.com® declares that “This quarter’s luxury housing market leaderboard reinforces a theme that has been building: the top-performing luxury markets are not defined by price alone. They are defined by balance. Markets that pair livability and economic durability with workable supply and demand conditions continue to rise, while some traditionally expensive locations are still competitive but face more friction on affordability and risk.”

If we review the features of the metros that topped the luxury list, buyers are focusing on markets where the purchase gives them a lifestyle upgrade . It’s not solely about location – but an area that offers “relative affordability within the luxury tier” (i.e. most for your money!), a housing cost that is relative to local wages, manageable commutes and more balanced supply and choices. Other draws in these markets are a high livability profile – such as a moderate climate, community amenities, resident safety and long-term opportunity over areas with short-term market momentum.

While the Bay Area is not on the list of top performing luxury markets (supply obstacles here makes it less appealing!), California is represented by in the #3 spot by the San Diego-Carlsbad metro and in the #5 spot is held by the Santa Maria-Santa Barbara metro.

Read more about the unique features of each highly-ranked luxury market here .

Cheers to learning what luxury means on a bigger scale,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: How Baby Boomers Are Using AI

Wed, 21 Jan 2026 19:58:49 GMT

Enthusiasm & trust for AI varies by generation.

“ Artificial intelligence or AI is no longer a future concept—it's already shaping how we work, learn and live.” (Stephen Kenney, University of Cincinnati)

Years ago you may recall that everyone would talk about the implications and possibilities of AI when it arrived. But since its popularity surged in 2023 with generative AI (such as ChatGPT), researchers have now gathered some data and conducted analysis on who is using it and how. And we are sure our readers will find it no surprise that different generations use AI in different ways!

Top AI users by generation are Generation Z and Millennials. Top AI users by career are startup founders, corporate leaders and college students. While you may think Baby Boomers have no interest in AI, that is far from the truth. However, they are the most selective and cautious in their use.

How Baby Boomers Use AI

- 20% of Baby Boomers use standalone AI tools

- 35% of Baby Boomers use AI features passively on other platforms

- 67% know about ChatGPT, but only 22% report high familiarity with it and other similar generative AI tools

- 50-68% of Baby Boomers report non-usage of AI

- 1 in 5 Baby Boomers reports using AI at least once per week

- 49% feel skeptical of it, while 32% feel hopeful about it

- Top Baby Boomers uses of AI are entertainment and lifestyle-related, since many in this age group are retired

- Common uses include using Alexa and Google Assistant to check the weather, play oldies, manage reminders and control smart appliances

- Boomers are also learning to interact with AI ‘chatbots’ for customer service needs – airlines, utility websites, online shopping support, etc.

Across generations, worker trust in AI is actually declining. AI adoption is accelerating, but confidence is collapsing,” reports Mara Stefan, VP of global insights at ManpowerGroup. Worker confidence in the use of AI has dropped 18% (based on a survey of 14,000 workers in 19 countries). The confidence gap is highest in Baby Boomers who are 35% less likely to trust and rely on AI use.

Resources Used: Fortune , TheySaid , Science X

Does any of this data on AI surprise you? How much do you rely on AI for work vs. fun? How have your own attitudes around AI changed over the last two years?

Cheers to balancing past, present and future innovations,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Design Dilemma Solved Here

Sun, 18 Jan 2026 21:57:05 GMT

Incorporating 2026 color trends without having to paint!

There is only one thing that is certain about change… it will always be here! Nothing stays the same in the real estate and housing world, and as design colors and trends shift, your paint brush doesn’t have to!

A new article from Realtor.com® expands upon some themes we touched on at the end of 2025 – which are now here in force. The newly published article ‘Gray Walls? Here’s How to Embrace the 2026 Color Shift Without Painting’ defines what colors are out, what is in – and how to make it happen without having to tape off a single door frame! (Let’s face it, prepping to paint can be painful!)

What Design Experts Say Is OUT: Cool-toned grays and stark whites are losing traction, and often deemed as cold, impersonal and isolating according to many designs. The brief trend that followed - saturated jewel tones - is also out as that intensity became visually exhausting and overwhelming.

What Design Experts Say Is IN: Nature inspired warmth and tranquility is here; interior experts advise that environment-inspired greens, soft taupes and terracotta and muted clay colors are driving design. Creams and off-whites are the ‘new’ neutral as they are more comforting and inviting than sterile white or cool gray.

How To Make It Happen: So, what do you do if your walls are gray or your kitchen cabinets are white? The easiest thing that experts advise to change first is: textiles! Adopt the ‘in’ colors listed above in your kitchen and bath towels, rugs and bathmats, curtains, throw pillows and couch blankets. If you want to go one step further, invest in wall art, lamps and accent tables that can layer in warmth into your rooms. If you are ready for a bigger (and pricier!) commitment, purchase furniture in the trendy hues such as a high-quality chair, fabric headboard or new sofa.

If you are not ready to change your interior yet, try adding some exterior fun! I can easily see a terracotta and taupe striped door mat, soft green potted planters and clay stepping stones as easy ways to adopt a serene and welcoming vibe.

Cheers to changes big or small,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: National Blood Donation Month

Tue, 13 Jan 2026 18:47:40 GMT

All ages can help our nation’s blood shortage!

Did you know that every 2 seconds in the US, someone needs blood or platelets? And one blood donation can help save more than one life. You often hear of national blood shortages, and you can check your area’s current supply from America's Blood Centers here . In the West, most blood centers have a 1-2 day supply of blood and nearly 20% have only a 1-day supply or less. We share this with you because January is National Blood Donation Month!

While it is true that all ages may need blood at some point, it is a myth that we are ‘too’ old to donate blood at a certain age. While this article is not medical guidance and is for informational purposes only, we do want to share 3 key things to know about this life saving act!

#1: “I am too old to donate blood.” FALSE There is no upper age limit on blood donation; the key factor is meeting eligibility requirements at any age. AARP has even reported that older adults are less likely to experience side effects such as dizziness, bruising or fainting.

#2: “I take medication so I cannot donate blood.” FALSE. The American Red Cross states that “in almost all cases, medications will not disqualify you as a blood donor.” Your eligibility will be based on the reason that the medication was prescribed. As long as the condition is under control and you are healthy, blood donation is usually permitted.

#3: “I don’t know where to donate.” The great news is that finding places to donate blood is easier than ever! You can call 1-800-RED-CROSS, search the Red Cross website or the Stanford Blood Center online , or visit Vitalant .

We hope you see that once again, age is just a number and has little impact on your ability to make a difference! If you are retired and would love to help save lives, please talk to your doctor and see if donating blood is right for you. Those facing life threatening injuries, blood disorders, anemia, countless forms of cancer and surgical complications will thank you!

With gratitude as a blood donor recipient myself,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: A Notable Mortgage Milestone

Sun, 11 Jan 2026 21:21:35 GMT

Could this lead to more buying and selling?

While winter is here and a chill has been in the air, this is the time of year when buyers and sellers prepare for the spring real estate market. Just two days ago, The Washington Post revealed a statistic that could be a gamechanger: “There are now more Americans with mortgage rates higher than 6 percent than below 3 percent.”

You may recall that during the pandemic years, mortgage rates hit historic lows and many homeowners refinanced to secure those low interest loans. In 2021, it is reported that a mortgage loan (30-year fixed) could be had for less than 3%. Yet for the last 3 years, rates have remained double at 6% and above. Those who had secured 3% rates were not moving, contributing to the inventory issues and increasing prices, known as a ‘lock-in effect.’

First signs of the lock-in effect easing are here, as more Americans now have rates above 6% than those with rates below 3%. Yet half of Americans still have a rate under 4%, so while the lock-in effect is lessening, it’s still playing a role in the market. Redfin Chief Economist Daryl Fairweather encourages consumers to see crossover of Americans with higher rates as a ‘slow unwinding.’ Fairweather predicts that “It’s probably going to be another four, five years of [previously favorable rates] being a major factor in the housing market.”

Regardless of rate, there are circumstances that push a homeowner to sell, such as marriage, divorce, children or new jobs. A Bankrate survey from summer 2025 revealed that 32% of US adults would need a mortgage rate lower than 6% to sell their home, while 23% prefer rates below 5% before moving.

Last but not least, note that real estate experts at the Columbia Business School have shared that 40% of homes don’t have a mortgage at all; thus the ‘lock-in effect’ is not the sole reason for a lack of home turnover.

Stay tuned to our Monday Market updates as we follow more factors related to what the spring buying and selling season could bring!

Resource Used: A powerful force has been holding back the housing market. It’s finally easing. (The Washington Post)

Have a great week!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: What To Expect In Senior News 2026

Thu, 08 Jan 2026 18:56:46 GMT

These are some of the things we’ll be talking about!

Welcome 2026! We hope that this year continues the joys you have, lightens the challenges you face and makes living longer and living better a thing we all do , not just a thing we all say ! As we are preparing to cover another year of Senior Spotlight topics, we conducted a little research on the issues that are most pressing for those nearing or already in their retirement years. Here are a few of the key themes that we plan to talk about in the year to come:

#1: The first Baby Boomers are turning 80 this year! Brookings reports that “As more baby boomers pass this milestone, the nation’s age 80-plus population group is projected to double, from 14.7 million in 2025 to 29.4 million in 2045.”

#2: Baby Boomers are expected to redefine retirement, with 56% expecting to work past the age of 70 according to Circana . 78% of Boomers cite “healthy aging” as the driving force for staying employed past the traditional retirement age of 65.

#3: Senior housing demand is continuing to rise “with the wind at its back” according to Multi-Housing News . Senior housing occupancy reached nearly 90% in the 2nd half of 2025, a trend that is expected to continue in 2026. Limited new supply is a growing industry concern.

#4: Key features of senior housing that strive for a higher quality of life for seniors include: the use of technology for social connection and wellness support, vibrant and personalized living spaces and smart home technology. The shift is defined as one aimed at not just “meeting needs” but truly thriving.

#5: Baby Boomers continue to serve as a substantial economic force. Money reports that “boomers have accumulated about $85 trillion — accounting for roughly 50% of all household wealth in the U.S.” Spending habits include a preference for experiences over things , making travel and hobbies top priorities.

BONUS TOPIC: Industry data projects that Baby Boomers may pass $124 trillion down to their heirs by 2048, potentially making millennials the wealthiest population in history!

Stay tuned as we explore these topics and their impact on health, housing, wealth, quality of life, caregiving, Medicare, local and national legislation and more. While none of us may get any younger in 2026 ��, you can bet we will learn and get wiser together!

Thanks for continuing to read our Senior Spotlight in 2026!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: What Buyers Want In 2026

Sun, 04 Jan 2026 20:49:20 GMT

It’s not just curb appeal… it’s what it takes to keep it that way!

Happy 2026! The Bobbi Decker Real Estate Team hopes that your new year is off to an amazing start. Whether you have welcomed 2026 with a quiet and content comfort or ushered it in full force with big dreams, we wish you all the best! In real estate, we are preparing for the spring selling season which often begins shortly after the Super Bowl. While rates, affordability and inventory will continue to drive the market – there will always be some people in a position to sell and some in a position to buy. So, what exactly DO buyers want in 2026?

Better Homes and Gardens recently published their ‘2026 Design Trends Moving Real Estate.’ Realtor.com® summarized one of the top points in the article which defines ‘Curb Appeal 2.0’ and why it matters to buyers of today. Curb appeal has always been vital in real estate – as it is the first impression of the home in online photos and when driving by. But today’s buyers want more than fresh paint and colorful flowers. Here are 7 things that modern buyers want to see:

#1: The front yard should appear balanced, clean and well cared for.

#2: The vibe of ‘effortless maintenance’ is in. Buyers don’t just want a yard that looks good – but one t hey can actually keep looking that way!

#3: Environmental mindfulness remains key, think native plants, drought resistant landscaping and neatly mulched beds.

#4: Rather than ostentatious and over-landscaped, buyers prefer a ‘quiet confidence’ that builds enthusiasm for what the home offers inside too!

#5: Outdoor living creates feelings of comfort, thus shaded seating areas and livable porches and patios are very appealing.

#6: Buyers who appreciate stylish and future-ready features will be impressed with EV-ready garages, energy efficient lighting and smart locks.

#7: Small finishing touches that make a big difference are crisp house numbers, polished entry hardware and a freshly painted front door.

To read the report with all six trends shaping home buying & selling from BHG, click HERE.

Cheers to first impressions that make lasting impact!

Bobbi

Bobbi Decker
DRE#00607999

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/

Welcome 2026: Happy New Year!

Tue, 30 Dec 2025 00:08:25 GMT

Sending health & happiness your way!

The Bobbi Decker Real Estate Team would like to extend our most sincere wishes for a healthy & happy New Year! Perhaps what is more important than goals or resolutions is who we are as we carry out our personal and professional work.

May our character reflect someone we are proud to be each and every day. Whatever you choose to focus on – whether it be gratitude, compassion, generosity or achievement – the power is that you get to choose. Choose wisely, choose often and choose how you frame all that 2026 brings. You’ve got this!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

‘Best Of’ Bobbi Decker Blogs 2025

Mon, 29 Dec 2025 19:39:18 GMT

See our Reader's Choice picks for our top 5 blogs of the year!

What a year! 2025 brought some amazing personal accomplishments and challenges, as well as much professional honor and focus. We continued our blog format of two new articles almost every week, with topics centering around Monday Market Updates and Senior Spotlight news. We reviewed our statistics for the year, and the blogs below are what we are naming our ‘Best Of’ based on social media views. Here is what the stats say YOU liked most…

#1: Downsizing vs. Aging In Place

This popular article took us back to our roots of our advocacy of ‘living longer & living better.’ We summarized how over 75% of seniors plan to age in place yet some studies say 80% cannot afford to do so. Then we revealed the 5 key reasons to consider downsizing and the 2 ultimate deciding factors. Check it out !

#2: Carmel-by-the-Sea / All To Know About All The Charm

What a fun article to write about one of our favorite places! In this blog, we broke down the community features of Carmel, as well as where most buyers come from, what the town quirks are and the big name celebrities and events that ground it. Get the scoop here !

#3: 7 Considerations For Senior Living

We know that we can never tell someone what is best for them as they age, but we do hope we can offer them questions to ask themselves! In the summer, we shared ‘7 Questions To Ask Yourself Before You Move Into A 55+ Community.’ Many readers enjoyed it – and if you have not read it yet, we think you will too! Read in full here .

#4: See The 10 Healthiest Cities In The US

Health isn’t just an important thing – it’s everything. As the #1 priority for ourselves and our readers, we were excited to share the 10 healthiest cities in the US. San Francisco ranked #1 along with 2 other mentioned Golden State cities. Learn about the wellness indicators for physical and mental health here .

#5: Bobbi Decker Receives SAMCAR Lifetime Achievement Award

I’m going to be honest with you, this next most viewed article is a hard one to share. The New Year started off with the shocking news that I had been awarded the SAMCAR® Lifetime Achievement Award for 2024! I was humbled, I was honored, I was grateful and I was also fully aware that what I had achieved was not done alone. Thank you to all of my clients, my business partners, my industry peers and my neighbors for sharing my values and contributing to my efforts. This award is not just for me, but for all of you! Thank you, thank you, thank you !

Well, those may have been the most viewed articles of 2025, but they are not the only vital pieces of information that we shared. Feel free to review to review our blogs for the year here and use the ‘Search’ bar on the right if you are looking for a specific topic.

As always, we would love to hear from you and what your areas of interest are for 2026; please reach out with topic ideas at any time!

Happy ‘Almost’ New Year!

Bobbi

Bobbi Decker
DRE#00607999

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/

Happy Holidays: Our Best & Brightest Wishes For You

Sun, 21 Dec 2025 22:05:41 GMT

You did thrive in 2025 - it's all how you look at it!

Happy, Happy Holidays! The Bobbi Decker Team would like to sincerely wish each one of you amazing celebrations this week and a fabulous end to the year!

Looking back on 2025, I know that it can be easy to get wrapped up in thoughts of what we achieved and wonder if it was enough. But I want to encourage you to be generous with how you measure surviving vs. thriving. Not every achievement has to be award-winning; doing your best with what you had was absolutely enough. Consider acknowledging how you grew, how you handled things better than you might have in the past, and what you were able to give – whether it was time, money or genuine care.

Did you handle a hard situation with humor? Show compassion to someone in need? Forgive yourself for making a mistake? Did you speak a well-deserved thank you? Sometimes those small acts of awareness and kindness are the big things. They amount to more of who we are and what we are capable of than traditional measures of success such as money or career titles.

Here is how one of my greatest inspirations explains her mission in life and it sounds like a good one to me!

As you reflect on how you want to thrive in 2026, I encourage you to think about what carried you through 2025. For me that would be gratitude and compassion, did those values help you too? How could what we choose to embrace shape who we are and who we help? All I know is I can’t wait to find out!

Warmest wishes to you & yours,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Resilience Is An Often-Unlocked Key To Healthy Aging

Thu, 18 Dec 2025 20:44:08 GMT

Science proves resilience counts, in longevity and life quality!

“Healthy aging isn't just about avoiding sickness or avoiding stress — that's not really a reasonable goal; healthy aging also refers to our ability to bounce back.”

These words were spoken by Ph.D. Anthony Molina, a professor of medicine at UC San Diego School of Medicine at the Stein Symposium on Healthy Aging just last month. His statement echoes what scientific evidence and anecdotal proof from retirees demonstrates – that bouncing back and having resilience is critical to physical, mental, cognitive and emotional health as we age.

Below we have summarized 5 key thoughts from 3 different sources on how resilience benefits older adults and how to improve it! Be sure to read the articles in full below for more details!

#1: Resilience is becoming increasingly more measurable as recent scientific advances can estimate a person’s biological age. This allows the pace of aging to be determined, as well as how certain conditions have progressed and at what point things are high-risk vs. irreversible.

#2: Any level of physical activity (no matter how small!) has been shown to accelerate healing and recovery and build physical resilience.

#3: Social activity impacts smaller brain regions responsible for memory & thinking. Thus, cognitive resilience can be built by getting involved in one’s community, joining groups of those with similar interests and engaging in shared hobbies.

#4: Those with the greatest life longevity, including centenarians, showed the highest rates of cognitive resilience and lowest levels of heart disease! Data points to the fact that staying socially engaged and physically active helps you live longer.

#5: “Happiness experts” assert that happiness builds a superior state of mind. They believe that people should make intentional effort to be happy (it’s not selfish!). If you can adopt self-care and stress management techniques such as gardening, art, music and even clearing spaces in your home – you create ‘room’ for more cognitive and emotional resilience.

Resources Used: Annual Stein Symposium Emphasizes Physical, Mental and Cognitive Resilience in Older Adults ; Less cognitive decline, more cognitive resilience among ‘oldest-old,’ study finds ; Confront Uncertainty With Resilience Tips from 'Happiness Expert' Gretchen Rubin

We think that the themes of building resilience, cultivating happiness and measuring one’s ability to bounce back are going to be inspiring themes in the aging process in the months and years to come.

Stay tuned, there is a lot to look forward to!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Are Homes or Stocks A ‘Better’ Investment?

Mon, 15 Dec 2025 00:03:59 GMT

See a few pros and cons of each wealth builder here.

December is flying by and 2026 is almost here! Today’s topic is a timeless one that can be talked about in any month, season, year, decade or era: Are homes or stocks a ‘better’ investment? That is the question recently proposed by USA Today in a just-posted Money segment. See 5 things to help you weigh the wisest investment for you and read the article in full here: “Which is the better investment, stocks or a home? Answers here.”

*Please note this article is intended for informational purposes only and is not to be considered financial guidance or advice. Please be sure to consult with your own trusted financial advisor, wealth manager, real estate agent and tax professional to make the very best decisions for you!

5 Things To Know About Homes & Stocks

Two Investment Types, Countless Different Benefits & Risks

#1: Since 1995, stocks have risen by about 1,200% while home prices have risen 310%. From 1992 to 2024, the S&P yielded an average return of 10.4% a year, while home prices grew about 5.5% per year. (Note that home price growth is hyper-local and these figures represent national averages.)

#2: Stocks tend to have greater volatility than home prices. Home prices rise and fall but have not really declined in the last 10 years. The S&P has lost as much as 18% in a single year.

#3: The stock market is strictly a wealth-generator. A home is an asset, an investment… and ‘your castle.’ From a performance perspective alone, stocks generate more long-term wealth according to many advisors. However, you also need a place to live, thus homes are an investment and shelter. Similarly, stocks have less direct lifestyle impact – while a home you love and make your own is oft-considered the biggest lifestyle 'booster' there is.

#4: A home is essentially a ‘forced’ savings and cannot lose all of it’s value as it is a physical asset. A stock is not a physical asset and thus considered by some a ‘less stable’ investment.’

#5: There are generally more tax benefits to home ownership since you can generally deduct mortgage interest and property taxes, plus avoid up to $250,000 per person ($or $500,000 for married couples) in capital gains. Investors who sell at a profit generally do face capital gains taxes.

There are many other considerations in weighing whether homes or stocks are the wisest investment for you. Personal preferences, priorities, time to build wealth, retirement age… these are just a few of the additional factors that may impact your choice. As you plan to live your best life in 2026 and beyond, we hope you surround yourself with a vetted team of financial professionals and take into account your own comfort level and needs. You got this!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Oldest Baby Boomers Are Turning 80 In 2026

Wed, 10 Dec 2025 18:42:45 GMT

Here is what this means for senior housing…

Happy December! As the end of 2025 draws near, many economists, analysts, financial professionals and consumers are wondering what 2026 may bring. For the senior housing market, 2026 means that the oldest of the Baby Boomers are turning 80 years old!

Below we have listed a few of the major trends tied to this milestone, based on an article published by Price Waterhouse Coopers (PwC) and the Urban Land Institute (ULI). We encourage you to read all the details here: “A New Driving Force Arrives: Baby Boomers Turn 80 in 2026” (A Senior Housing Outlook : Emerging Trends In Real Estate 2026).

In Summary:

- The demand for senior housing has hit record levels, but inventory has grown only 1%. This means that occupancy rates in senior communities are now at records highs.

- No one senior housing solution or development will be a fit for every market; local market fundamentals and demographics will be the ultimate driving force in each location.

- The population of older adults aged 75+ is expected to grow by over 4 million people by 2030, this means demand is only going to increase. (Did you know approximately 8,000 individuals turn 75 every day?!)

- There is a marked increase in older adults who are renting and those who are living alone (translating to fewer caregiver safety nets and less support systems).

- More than half of the metro areas analyzed for senior housing growth had a single development project in the pipeline.

- With older adults living longer and entering senior living in good health, there is a need for active adult 55+ communities and hybrid communities (which offer active living and independent living 'lite' in addition to continuum of care models).

- Though Boomers are a generation with significant wealth, middle income seniors will comprise over 40% of older adult households by 2033. Senior living models need to account for various income levels, some luxury, others allowing purchase of only needed amenities and services.

- Other exciting shifts are models embracing wellness, more proactive care, lifestyle and social engagement as priorities, more dog parks (yay!) and increasing use of technology adapted to residents’ needs and preferences.

2026 will be a dynamic and defining shift in senior housing demand and ideally – positive transformation. May we hope the best health and happiness is yet to come for those who embrace the diverse senior living models.

Cheers to possibilities,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Realtor.com® Reveals Top 10 Nice List

Sun, 07 Dec 2025 22:16:02 GMT

… of the country’s most festive holiday towns!

There is no place like home for the holidays… but that doesn’t mean you cannot do a little festive exploring until then! This week, Realtor.com® revealed the top 10 “US Towns That Come Alive For The Holidays." If you are looking for a jolly jaunt to ensure you witness the most wonderful time of the year – you can even find one of these locales less than 4.5 hours from the Bay Area!

Did you take a look at the list above and check it twice? If so, you may have noticed that Solvang, California is one of only two west coast winners! Realtor.com® explains that Solvang is about 45 minutes from Santa Barbara and is known as “The Danish Capital of America” because of early historic settlers from Denmark. This city earns the top spot to experience the Danish & Norwegian concept known as “hygge” : feelings of cozy contentment, comfort, simple pleasures, physical & emotional warmth and calm connection with loved ones! Who wouldn’t want all of that?

Learn all about the offerings of Solvang’s month-long holiday celebration known as “Julefest” , which started November 28th, 2025 and runs until January 4th, 2026. Merry morning walks, candlelight tours, hot chocolate-filled trolley rides through decorated streets and daily light and music shows are just a few of the town’s traditions. Plus, the business community hosts a window decorating contest which has resulted in many of the eateries, shops, wine tasting rooms and hotels having window winter wonderlands.

Have you ever been to Solvang during the holidays or otherwise? Are you excited or surprised by any of the other top contenders for holiday cheer? No matter what you love about this time of year – we hope you get to celebrate it wherever it feels best to you.

*Check back next week as we revisit a relatable extension of last week's blog on finishing the year strong. We'll share a quote from Maya Angelou (one of regular inspirations) that helps us dive deeper into reflecting with compassion & gratitude as not just something we say, but something we do!

Wishing you warmth, comfort & cheer,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 5 Links To Longevity From AARP’s CEO

Thu, 04 Dec 2025 18:14:58 GMT

A big picture glimpse of health, wealth & self!

Welcome back to the Bobbi Decker Senior Spotlight! Those of you who have been following us for years (or even decades!) know that this blog feature is a spin-off of a tv series we used to do on Peninsula television called “Living Longer & Living Better.” After all, aging is not just about the quantity of our years – but the quality of them. A new read from AARP dives into that exact subject – and shares 5 lessons on healthy aging.

The article starts off by revealing that there is a 13-year gap between one’s “lifespan” (number of years lived) and “healthspan” (years lived in good, vital health). AARP CEO Dr. Myechia Minter-Jordan explains that “True wellness in our later years encompasses financial security, emotional well-being and social connection.” Here are the 5 ways she suggests we strive to achieve that!

#1: Recharge your mind — daily. Examples include meditation, spending a few minutes in nature, taking a moment to journal or doing yoga. Studies have repeatedly shown that the body-mind connection is crucial for improving cognition, lowering blood pressure, reducing anxiety and depression and even supporting immune function!

#2: Make time for movement every day. Whether you choose to walk, workout, cycle or lift weights – you may do it alone or with a friend. Minutes a day matter; a 2022 study found that those aged 40-69 who were physically active just 1-2 minutes, 3x a day, significantly reduced their risk of death from heart disease and cancer.

#3: Find and set NEW goals. Maintaining a purpose, exploring passions and reexamining values are opportunities unique to the retirement stage of life. AARP CEO Minter-Jordan reiterates that aging is living, aging is an opportunity – and for many people – it is positive!

#4: Think beyond retirement. With individuals living longer, many are also working longer and preparing for retirement at an earlier stage. The perspective of financial wellness encourages us to look at retirement as not just a few years but maybe a few decades, and to consider managing the cost of our financial, personal and physical well-being in those times.

#5: Recognize that support and community transform aging. An AARP survey reveals that 2 in 5 solo agers report loneliness and isolation as the worst parts of aging. Caregiver networks (as many seniors are caregivers for their parents too!), social groups for women, widow and widower meet-ups and older adult events encourage community and vital conversations on aging. Better together isn’t just a saying – but a key feature of aging well.

What do you think of these 5 lessons on healthy aging? Is there an area you feel you are lacking, or a topic that should have been included? We’d love to hear from you!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: More Than A December To Remember

Mon, 01 Dec 2025 18:40:08 GMT

A time to reflect and re-shape your personal & financial well-being.

December is here! Can you believe we are in the final month of 2025? There were moments the year flew by and times where it felt like the last 11 months were dragging on, yet we made it! In this week’s blog, I want to share a few different ways that we can use this time of year to support a happy, healthy & productive way forward. Here are 4 things you can do in December to set the rest of this year and your new year up for success!

#1: Write A Business Plan: Did you know that December is National Write A Business Plan month ? You can read about the two very basic types of business plans from the SBA or see 7 more detailed plans on Indeed .

#2: Reflect On The Last Year: Many people find that December is great time to reflect on achievements, challenges and changes that have occurred in the last year. Don’t forget to look back with gratitude and compassion (they are gamechangers!). You can find 50 great reflective journal prompts here and read about reflection from a leadership perspective here .

#3: Set Intentions That Are Sustainable: Setting intentions is so much more than a self-help trend, but a way to make sure our lives focus on what matters. The Calm app blog explains that “Intention setting is a conscious and deliberate act where you identify and articulate what’s genuinely important to you.” Explore benefits, examples and methods of intention setting here .

#4: Prioritize Your Health: Have you had an annual physical this year? Are you currently consistently taking all prescribed medications? Do you have any follow-ups or routine screenings to schedule? Do you have any HSA dollars or unused eye plan benefits? The only way that you can live your best life is to take the very best care of your body. Review a quick end of year health checklist here .

I hope these 4 suggestions for December inspire you to end the year strong and make 2026 even stronger!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Happy, Happy Thanksgiving From Bobbi

Sun, 23 Nov 2025 22:02:35 GMT

May we find gratitude around & within us.

Greetings Friends,

As I reach out to you to extend my greatest Thanksgiving wishes… I also want to breathe a sigh of joy together as we say, “What a year!”. And if you noticed I said a sigh of joy and not a sigh of relief, you are correct. While we have all no doubt faced challenges, my hope is that as we head into a week of gratitude – we remember the good.

For most of us the ‘good’ wasn’t winning the lottery, or even having the greatest health every day. But while not every day was good, there was something good in every day. A smile from a stranger at the grocery store. An unexpected recognition at work. A new medication or treatment in a health battle. A neighbor bringing up your trash cans.

Maybe the good wasn’t just around you - but within you. For those who heard my Relay For Life speech, I talked about the features I hope we all strive to have within. Resiliency. Fortitude. Generosity. A sense of humor. A willingness and drive to never give up.

My most sincere hope for all of you is that you can find a moment to appreciate the good you have seen, felt, experienced and built within you. May we be grateful for life lessons, large moments, small acts of kindness and all that happens in between.

Happy, Happy Thanksgiving!

Warmest wishes,

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: A Look Back at Helpful Holiday Tips

Thu, 20 Nov 2025 18:28:28 GMT

‘Tis the season to revisit these top reads!

For decades the Bobbi Decker Real Estate Team has been dedicated to supporting seniors, and for almost 10 years we have been blogging about it too! As Thanksgiving week draws near, we pulled three ‘blast from the past’ blogs that offer relevant advice for today.

As we all know, the holidays are not an easy, joyous and fun-filled time for everyone. Challenges can be immense and multi-faceted, especially for those who have lost a loved one, may not live near family, may not be able to enjoy holiday foods for health reasons or who experience cognitive decline that is worsened by holiday chaos. We always encourage our readers to balance their love of comfort and traditions with their needs for their health and lifestyle today. And we think the blogs below can help!

Helpful Holiday Hints To Protect & Support Our Seniors

This blog features the topics of isolation and connection, senior scam alerts and even a gift guide! The overarching theme of being gentle with each other is one we cannot emphasize enough.

3 Ways To Cheer Up Our Seniors This Holiday Season

Written during the pandemic, these tips on ensuring older adults do not feel alone is still very timely! Busy schedules, distance and travel costs may keep some families apart – but these 3 easy ideas can ensure love is felt in every heart.

Holiday Pet Safety

We know that some of the greatest companions for retirees have 4 legs and fur and we cannot forget them at the holidays! Our informative blog on safety for pets during the holidays touches on common holiday hazards and foods that may unknowingly endanger our pets. But with this read – now you know!

We wish you all an amazing Thanksgiving next week; we hope you can feel only the deepest gratitude we have for all of you as our readers, friends and followers!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Purchase Demand On The Rise

Sun, 16 Nov 2025 22:20:51 GMT

Data indicates the strongest start to November for buyers since 2022.

As the holidays approach, an unusual trend is occurring in the real estate market. Buyers are getting more interested in home purchases, not less! While most people don’t see the holidays and end of year as the ideal time to move, we all know that the best time is when the time is right for you. Homebuyers may seem to find that there is no better time than the present, in some areas and according to some mortgage application data.

Here are 5 things to know about purchase demand this month so far:

#1: Even though rates ticked slightly higher and refinance rates cooled, mortgage applications as a whole posted a modest increase due to buyer interest.

#2: Purchase activity increased 6% on a seasonally adjusted basis (3% unadjusted), surging 31% above this same week last year.

#3: Purchase applications increased for all loan types – including conventional, FHA and VA loans.

#4: The unadjusted purchase index indicates this is the strongest start to November since 2022.

#5: The Mortgage Banker Association (MBA) VP & Deputy Chief Economist Joel Kan states that purchase applications are increasing most in markets where inventory is increasing and sales price growth is slowing down.

Read more from our resources used at Mortgage News Daily and Realtor.com .

Does this data surprise you? Do you know anyone who is house hunting? What would inspire you to make a move today? Feel free to share with us at any time!

Have a great week,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Travel Tips & Trends

Wed, 12 Nov 2025 18:48:03 GMT

Don’t wait until summer for vacation to call!

Happy November! We hope this month brings you health, happiness and holiday moments to look forward to. Today’s Senior Spotlight revisits one of our most favorite topics – TRAVEL! We know that many of our readers have places they want to go and people they want to see too, so this week we are sharing three helpful reads from AARP to support your next trip!

8 Affordable Destinations for 2026

This article reveals that the majority of Americans aged 50+ “remain eager to travel” and strives for accessibility with many affordable options. By listing 8 budget-friendly destinations (all in the US) plus recommendations about timing, this article might inspire some fantastic trips you never would have thought of! (You’d be surprised at what The Berkshires in Massachusetts and Islamorada in the Florida Keys has to offer!).

11 Tips to Find Cheap Flights

The reality is that nothing is getting cheaper, but that doesn’t have to stop the 46% of Americans over aged 50 who plan to travel by plane this year! AARP has listed 11 ways to save money on flights including calling and asking for senior discounts, price comparing on flights aggregators ( Google Flights , Skyscanner and Kayak ) and following the “flight first” rule when booking. Great tips here !

How to Plan a Successful Microvacation

We understand that even if you want to get away for a week or more – your lifestyle may not allow it. That’s why we love this article on microvacations that allow you to recharge and rejuvenate win the time you do have! A quality-over-quality approach offers ideas on a fun & feasible stay somewhere close to home that still offers a break in routine to refresh your body, mind & spirit! Buddy and I love microvacations…

We hope these tips help you get where you want to be in 2026!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Veterans Day 2025 | Honoring Service To Our Nation

Sun, 09 Nov 2025 22:16:57 GMT

One flag, one purpose.

The Bobbi Decker Team is proud to recognize and honor our veterans on Veterans Day and in our spirit of pride and respect for our nation all year. The US Department of Veterans Affairs defines the important purpose of this day as “A celebration to honor America’s veterans for their patriotism, love of country, and willingness to serve and sacrifice for the common good.” We hope that you will join us in appreciating, applauding and celebrating those who have served our nation with only your deepest acknowledgement and tribute. May we honor our veterans with pride in all that we do, all that we protect and all the ways we show our respect for our country.

You may have seen on our blog before that we enjoy sharing the annual theme and poster winner for Veterans Day curated by the Veterans Day National Committee . Each year they designate a theme, which for 2025 is “Service To Our Nation”, and then ask professional and amateur artists to submit posters to represent the theme.

This year’s winner is Jeremy D. Carpenter, who created the poster above titled “Unified by Service” and is a visual representation uniting all uniformed services under one flag and one purpose. The VA describes how this piece “pays tribute to all Veterans regardless of when or where they served, and it emphasizes that service to the nation is not confined to one uniform, one battlefield or one generation. The eagle, flag, and seals work together to portray unity, honor and a continued commitment to freedom.”

Our hope is that this spirit of unity and honor can be carried out in each one of us, for at least this one day of the year, to celebrate the sanctity of our nation and every person who courageously fought to establish and protect our freedoms. May we never, ever lose sight of the immeasurable sacrifices made by those in uniform. As it is often said, “We don't know them all, but we owe them all.”

Thank you veterans - from the bottom of our hearts.

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Monday Market Update: The Use of AI in Insurance Coverage

Sun, 09 Nov 2025 21:39:43 GMT

Could it help high risk areas?

Artificial intelligence (AI) continues to be a hot topic both in Silicon Valley and around the world. The United States is recognized as a leader in AI compute power and private investment and has been referred to as “the most AI-dominant country” by global publications . And just days ago, Realtor.com® revealed how a San Francisco-based insurance company is using this force to help insure certain types of homes in the worst climate risk areas of California & Florida.

The use of AI in the insurance industry is not new, with the National Association of Insurance Commissioners reporting that 70% of insurers were using AI in 2024. AI is commonly used for claims, underwriting & marketing, fraud detection, rating and loss prevention.

In 2025, the emerging and growing trend in AI use for property insurance pertains to improved forecasting risk for homes on a more individual level. Reputable insurance publication The Zebra explains that “New innovations can now blend satellite/aerial imagery, geospatial data and machine learning to forecast catastrophe losses and assess the risk of individual homes. That shift is changing premiums, underwriting speed, and even whether coverage is available in certain ZIP codes.”

On a local level, Stand Insurance was launched in 2024 by a group of what Realtor.com® calls “Silicon Valley tech veterans” and states that the company uses “physics-based AI models to underwrite policies and create customized fire resilience plans for properties in California’s wildfire-plagued areas where homeowners often struggle to secure coverage from traditional carriers.”

While most insurance carriers only account for the location of the property, Stand also considers the homeowners’ efforts to make their dwelling more resilient. Using AI to create a digital twin of each home, Stand insurance models simulate how various natural disaster types would affect the property. Then sample plans are created to reduce risks, with example action items such as replacing the windows or roof shingle, clearing the brush around the home, or swapping a wooden fence for a steel one.

SO interesting, right? While Stand Insurance only covers homes in California valued between $3 million and $15 million at present, this type of risk model could be a gamechanger for the state insurance crisis. Let’s hope even more breakthroughs are yet to come!

Read In Full: Insurance Startup Uses AI To Offer Coverage in High-Risk California and Florida

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 12 Million Baby Boomers Are Now Renting

Thu, 06 Nov 2025 18:14:02 GMT

Retiree renters are the fastest growing market segment.

Welcome back to the Bobbi Decker Senior Spotlight! As you know, we are always following the latest trends related to living longer and living better. This week, the newest numbers tell two sides of the rent + own story. It’s no secret that Baby Boomers hold nearly half of the country’s real estate wealth – an estimated $18-$19 trillion according to Realtor.com® . The Scotsman Guide cites Freddie Mac data that indicates Boomers account for 1/5 of the total US population and own more than 1/3 of all US residential homes.

However, new data from Lending Tree shows that while other generations still dominate the rental market, a shift is taking place. A just-published article reports that 12 million Baby Boomers, 18.6% of the generation, now rent. That amounts to a little more than 1 in 6 Baby Boomers as renters; the concentration of location is also interesting. Nearly 1 in 3 Baby Boomers rent in New York and Los Angeles, with Las Vegas ranking #3. You may also recall that last month, our own Senior Spotlight shared the Newsweek findings that adults aged 55+ are the fastest growing segment of the US rental market.

The Big Question: Why? There are a multitude of reasons why selling a lifelong home, not aging in place or remaining a renter appeals to older adults.

Key Rental Reasons: Cost and affordability are driving forces for many retiree renters. Those who want to retire in desirable coastal cities or buzzing metros may find renting cheaper than buying in those areas. In addition, many retirees wish to rent to avoid paying costly property taxes – and not have to manage ongoing repairs or make aging in place renovations. Convenience is a secondary driving force. LendingTree Chief Consumer Finance Analyst, Matt Schulz, stated in a press release: “[Baby Boomers] want to be able to call someone if the pipes burst or if the air conditioning goes out. They don’t want to mess with mowing the lawn and pulling weeds. Renting makes a lot of things in life easier.”

Further Reading

- To see the map of most cities with the highest share of Baby Boomer renters, click here .

- To read more statistics on owning and renting in retirement, click here .

- To gain insight into the changing mindset shift of renting, click here .

Cheers to new knowledge, new perspectives and continued health & happiness!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Carbon Monoxide Awareness Month

Mon, 03 Nov 2025 18:57:20 GMT

Free webinar + more!

Happy Monday & Happy November! This new month is a critical time for Carbon Monoxide Awareness as we enter a season of heater use and increased risk. The risk of carbon monoxide poisoning is unfortunately very real, as CO poisoning results in 400 deaths, 100,000 emergency room visits and 14,000 hospitalizations each year. We encourage you to learn about the risks, prevention strategies and signs – and have compiled some helpful resources below!

WHERE IS CO FOUND: CO is found in fumes produced any time you burn fuel in cars or trucks, small engines, stoves, lanterns, grills, fireplaces, gas ranges, or furnaces. CO can build up indoors and poison people and animals who breathe it. Courtesy of CDC.

ARE CERTAIN POPULATIONS AT HIGHER RISK: Yes, while CO can impact every person, certain groups are physiologically or demographically at higher risk for carbon monoxide poisoning. The elderly, children, the hearing impaired, pregnant women, the immunocompromised and pets are high risk groups. Courtesy of NCOAA .

KEY PREVENTION STRATEGIES FROM NCOAA :

• Have your appliances checked during inspection and then again every year.

• Ensure a carbon monoxide alarm is placed near each fuel-burning appliance.

• Look for signs of a carbon monoxide leak (soot or black residue on appliances or above a fireplace).

• Replace carbon monoxide alarms approximately every 5-7 years (or per manufacturer recommendations).

• Use generators at least 20 feet away from any buildings.

• Turn your car off in the garage, never leave the engine running.

• Don’t rely exclusively on household carbon monoxide alarms, as they may not detect slow, lingering leaks under 30 ppm.

• Do not use outdoor appliances inside or near open windows (grill, gas lantern, etc.).

• Carry a carbon monoxide detector that goes to 0 ppm if you’re part of a vulnerable population.

SYMPTOMS: The most common symptoms of CO poisoning are headache, dizziness, weakness, upset stomach, vomiting, chest pain, and confusion. CO symptoms are often described as “flu-like.” Those who are sleeping or under the influence can die from CO poisoning before they become aware of symptoms. Courtesy of Mayo Clinic.

FREE Webinar: The National Carbon Monoxide Awareness Association is offering a free webinar on November 18th at 12pm EST (9am PST) to discover how to stay safe while traveling and understand the growing risks in hotels and vacation rentals. Register HERE .

Please share this important information with those you know & love. We must look out for one another, always.

Stay safe, warm & neighborly!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Do You Know The NEW Blood Pressure Guidelines

Thu, 30 Oct 2025 17:22:59 GMT

Updated indications for prevention and treatment were released two months ago.

Today’s Senior Spotlight topic applies to virtually everyone one of us at some point in our lives – blood pressure management. Nearly 50% of Americans have high blood pressure, and it is the #1 risk factor for heart disease and stroke. Over 70% of those aged 60 and older suffer from hypertension, yet only 1 in 4 have it under control.

We share this data not to scare you, but to empower you that the risk is real – but so is the response. The American Heart Association & American College of Cardiology released a new set of guidelines in August 2025 for prevention and management of high blood pressure, based on a comprehensive analysis of research and documentation published in the last decade.

Please note that this information is NOT a substitute for medical advice and this article is for informational purposes only. We are summarizing some of the key points below and encourage you to talk with your doctor soon about what this new information means for you.

#1: The definition of hypertension has changed – the criteria are stricter, target blood pressures are lower, and the category of “prehypertension” has been removed (and now described as “elevated” blood pressure).

#2: High blood pressure is linked to not just stroke and heart disease, but also an increased risk of cognitive decline and dementia. Thus, prevention of high blood pressure is identified as critical to brain health as well as cardiovascular health.

#3: The new guidelines encourage providers to use a risk calculator, called PREVENT (Predicting Risk of Cardiovascular Disease EVENTS), an advanced tool which accounts for individual risk factors and a more tailored treatment plan.

#4: A specific diet called DASH (Dietary Approaches to Stop Hypertension) is now recommended by the new guidelines. This emphasis on fruits, vegetables, low-fat/nonfat dairy and whole grains plus the new indication for increased physical activity advocate the necessity for lifestyle changes.

#5: Other key components of hypertension prevention and management are learning and adopting stress management techniques, screening for excessive aldosterone (an adrenal gland malfunction that contributes to inflammation and fibrosis of the heart) and utilizing the ‘Life’s Essential 8’ checklist.

WOW! Have you learned a lot about high blood pressure? Are you armed with new information to ask your doctor about? Do you know if your current treatment plan is based on current findings if you are a hypertension patient?

May you find the answers to these questions and more as you journey towards living longer & living better!

Cheers to healthy hearts, brains & bodies,

Bobbi

Resources Used: New Advances in Managing Hypertension , Top 10 Things to Know About the New AHA/ACC High Blood Pressure Guideline , Under new guidelines, more Americans meet the criteria for high blood pressure

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Silicon Valley Dominates Value Gains In Last 50 Years

Sun, 26 Oct 2025 20:58:05 GMT

The only two cities with 300-400% value increases are San Jose & San Francisco.

In the last 50 years, virtually everything has changed from fashion to technology to housing. And the place where home values have increased the most will not surprise you – that’s right, it’s Silicon Valley!

Just a few days ago, Realtor.com® released an analysis of 50 years of housing data from the Federal Housing Finance Agency (FHFA). Here are the top 5 trends:

#1: Home values have risen across all 50 of the nation’s largest metros from 1975 to 2024.

#2: How much values have risen in these metros varies greatly ; coastal cities typically saw inflation-adjusted triple-digit increases while most Rust Belt metros experienced single digit gains.

#3: The West Coast market gains have been driven by technology (most recently AI which is believed to be the driving force of the San Jose median home price surpassing $2 million). East Coast market gains have been attributed to the financial services sector and its modernization. Struggling metros such as Memphis, Cleveland and Birmingham are typically areas formerly dominated by factories who have not transformed into high-tech powerhouses.

#4: Half of the top 10 metros that experienced the biggest home value increases since 1975 were in California.

#5: San Jose and San Francisco demonstrated the largest percentage increase in property gains from 1975-2024, at 396% and 300% increases respectively.

We encourage you to read the article in full HERE for a deeper dive into regional differences, coastal gains and median price differences across time and country!

Have a great week,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 7 Trends To Watch In The Memory Care Industry

Thu, 23 Oct 2025 17:40:42 GMT

Senior living leaders share what residents need & deserve.

“We’re back, baby.” These are the words that Anthem Memory Care CEO Isaac Scott uses to describe where memory care stands today. Late this summer, CNBC reported that more than 4 million Baby Boomers will turn 80 in the next 5 years, and that meeting the demand for care would require 100,000 new beds to be added to the care sector each year. Coupled with the fact that people are waiting longer to move into senior communities and experiencing higher needs at the time of entry – and it’s no surprise that memory care is critical to living longer & living better.

To hear from industry leaders on what they see in the present and future of memory care, please read “‘We’re Back, Baby’: 6 Senior Living Leaders Predict Memory Care’s Future” here. Below we have summarized 7 key themes that we think you will find innovative & inspiring!

#1: The blend of healthcare, hospitality & holistic wellness continues to be at the forefront of serving memory care clientele.

#2: Addressing staffing shortages and creating career pathways is the only way to meet the growing demand. Memory care providers are focused on offering increased training, clear career trajectories and more defined specialization of roles to attract and retain quality staff.

#3: Staff training is becoming more comprehensive including real-time coaching, de-escalation strategies and dementia-specific best practices. Therapeutic and non-pharmacologic interventions will be created based on evidence-based guidance and partnerships with Alzheimer’s organizations, universities and public health agencies.

#4: Care models are becoming more standardized rather than community-by-community programming. Industry standards of embracing consistent quality and incorporating family engagement are the leading keys to resident health and community success.

#5: Technology is increasingly being used to enhance the human caregiver experience but NOT replace it. Wearable technology, fall detection, and AI-enabled predictive analysis are designed to amplify compassionate care but never supplant it.

#6: Clinical partnerships have been identified as another memory care foundation. Collaboration with providers, primary care teams and hospitals can reduce back and forth transitions, enhance safety and improve quality of life.

#7: Care needs are based on a tier system of increasing differentiation. Instead of 1-3 levels of memory care, some communities offer as many as 8 levels of care.

Bonus Features: Many communities are addressing the need for higher clinical complexity and focusing on advanced cognitive decline, multiple comorbidities & intensive medication management.

Wow! Did you know that so much was possible and in progress when it comes to supporting our aging loved ones with memory care needs? While growing older is never easy, facing the challenges of it can be manageable by balancing compassion, technology, research and humanity. Balance is a beautiful thing.

Cheers to living longer & living better,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Surprising Stats On Investors

Mon, 20 Oct 2025 19:26:37 GMT

Real estate investors account for 1/3 of all buyers as of Q2 2025.

Happy Monday! CNBC summarized a surprising report on real estate investor data earlier this month that we’re intrigued to share with you. According to real estate data provider BatchData & CJ Patrick Co. , both individual and institutional investors accounted for 1/3 of all single-family residential properties sold in Q2 of 2025. We encourage you to read the article “Investors are making up the highest share of homebuyers in 5 years” in full and have summarized a few other notable and interesting data points below.

#1: The number of real estate investor purchases jumped 27% from Q1 to Q2 2025.

#2: While the share of investor purchases is higher, the actual number of overall sales is lower. Home sales this year are weaker than this time last year; investors purchased 16,000 fewer homes yet accounted for over 30% of buyers.

#3: Real estate investors accounted for 25.7% of home buyers in all of 2024, 27% in Q1 2025 and 33% in Q2 2025.

#4: Investors also increased market inventory, as they sold over 104,000 homes – 45% of which went to traditional (non-investor) homebuyers.

#5: Small investors, owning 10 properties or less, account for 90% of the investor market.

BONUS Data Point: Texas, California and Florida have the highest number of investor-owned homes – largely because they are the most populous states.

Did you know that investors played such a large role in both home purchases and sales? They always say you learn something new every day and hopefully we added to your knowledge base in some small way… have a great week!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Boommate Trend

Thu, 16 Oct 2025 17:50:53 GMT

Older renters are the fastest growing market segment.

It’s no secret that older Americans are more likely to own a home than rent one compared to any other age group. But that doesn’t mean that a notable shift isn’t happening when to comes to combating the loneliness crisis and struggling with affordability. This week, Newsweek reported that adults aged 55+ are the fastest growing segment of the US rental market compared to any other age group.

Matt Hutchinson, Director of SpareRoom, summarizes that “The roommate market has always been pretty diverse, but as living is getting more and more unaffordable, we’re seeing more older renters entering the market. They’re not the biggest group by far, the 20- to 30-something-year-olds are still the core bit of the roommate market, but the fastest growing groups are the older groups now.”

Between the years 2013 and 2023, the number of renters 65 and over increased by 2.4 million, a nearly 30% increase from the previous decade. This is about 17% of the rental market, and the growth is considered a reflection of the increase of the aging population.

While the aging population is growing, the cost of owning and maintaining a home is growing too. Some Baby Boomers choose to rent out rooms to supplement their income and expenses, while others opt to sell and rent a room to downsize physically and financially.

A bonus of home sharing at an older age is reduced isolation. The World Health Organization has deemed that loneliness poses health risks as deadly as smoking up to 15 cigarettes a day. It is reported that 1 in 4 older adults suffer from social isolation. The NY Post has cited studies that “perennially being by oneself carries the risk of anxiety, depression, poor immune function, cardiovascular issues, and even brain shrinkage.”

We share this information not to scare you – but to encourage you to evaluate if your best life is the one you are currently living! Do you live with someone, or alone? Do you think you could benefit from increased companionship? Would renting a room improve your financial situation? Would you ever want to sell your home and become a ‘boommate’?

We hope that a little thinking outside the box has you reflecting on where you are your happiest!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Fall Decluttering

Sun, 12 Oct 2025 20:53:21 GMT

3 magazines present 23 tips!

Have you ever considered the irony of spring cleaning? We all think about cleaning out our homes right as the weather gets warm to spend more time out and about. How much more would we enjoy our hard work if we then hunkered down in the spaces we spent so much organizing? Enter the concept of fall decluttering. Clean out, cozy up!

It’s not just us – Good Housekeeping , Southern Living and Real Simple have all published articles in the last week to guide us on what to throw out, how to go about it and where to start. Once you clean and sort for fall, you end the year with a fresh mindset (and have a clean slate to enjoy the holidays in!).

11 Things to Throw Out ASAP in October, According to Professional Organizers Good Housekeeping

Good Housekeeping has advised readers of 11 things to get rid of by Halloween. Summer gear, expired pantry items and old papers are just the tip of the iceberg. Read about the rest HERE .

5 Easy Decluttering Tips You Can Apply To Every Space This Fall

Southern Living

Southern Living takes the approach of not what to clear out – but which method to use. From choosing one area a day to setting a timer and thinking about next season – these tips are a great way to frame many household tasks. Check it out !

7 Garage Items You’ll Be Glad You Donated This Fall

Real Simple

Out of sight, out of mind – except when you need to park your car! That is what often happens with items that get tossed in the garage. Real Simple is all about telling us what to toss ASAP. Start by sorting out duplicates, donating used sports gear and properly disposing of leftover paint and building materials. Read the rest HERE .

Now it’s ‘homework’ time! Is there one top tip from above that you can apply by Halloween? Let us know what has inspired you, we’ll tell you what has inspired us – and can all continue to inspire each other!

Cheers to a fresh start this fall,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Travel Trends 2025

Wed, 08 Oct 2025 18:58:05 GMT

Older adults are traveling more than ever.

One of the things that older adults and retirees look forward to most is travel! With less commitments to young children and more financial freedom, older adults can finally do the things they want to do – and where! In AARP’s 2025 Travel Trends research study, a national poll revealed that the number of adult aged 50+ planning to travel has not only risen year-over-year but now surpasses pre-pandemic levels. Results show that 70% of those aged 50+ are planning one or more trips in 2025, and the rate of travel is slightly higher in those aged 50-59 than 50+.

So, what are the top reasons for travel? Trending trips? Preferred transportation types? We’ve compiled the top 10 for you based on data from AARP, Next Avenue & Phocus Wire .

#1: In 2025, those aged 50+ planned to take 3.9 trips and spend about $6,847 per person.

#2: Over 55% of those surveyed indicated that spending time with family & friends was a top motivator for travel.

#3: Most older adults were also motivated to travel to focus on rest and relaxation and escape daily routines. 95% of travelers say it is good for their mental health and 85% report it is good for their physical health!

#4: Top US destinations for older adults are Florida, California, Las Vegas, New York, Texas and Arizona.

#5: Top international destinations are Europe (Italy, Great Britan, France & Spain), Latin America the Caribbean.

#6: “Slow” travel is taking hold, with some travel providers seeing an increase in trip duration. More older adults are taking longer trips of one-month duration or even 6-8 weeks. It’s also a great way to sample living abroad.

#7: As traditional cruise lines decrease in popularity for older adults, river cruises are increasing in demand. Along the lines of the slow travel trend, river cruises replace 6,000 passenger mega-ships with the experience of a former barge transformed into a floating hotel. Think smaller European waterways, 20 passengers or less and one-week minimums.

#8: Older travelers are also becoming more spontaneous – booking dates less close to their intended travel times.

#9: Most 50+ travelers also use hotel (83%) and airline (73%) websites. 98% are also aware of AI but less than 10% are using to plan and book vacations.

#10: Seniors seek community in their travel, and experiences that foster similar core values and organic friendships – rather than guided tours.

Do any of these travel trends surprise you? Sounds like your lifestyle? What do you think could change in 2026 and why?

Nothing is certain… except that you never know until you try! We encourage you to try one new form of travel or one new destination as you strive to live longer & live better.

All my best,

Bobbi

Resources Used: Older Americans Are Traveling More Than Ever, Says 2025 AARP Study , Soaring into 2025: Travel Plans Take Flight Among 50-Plus Travelers ,

Senior Travel Trends - Adapting To Technology & Finding Community , Tap Into the 'Slow Travel' Trend on a Barge

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Good News In The Golden State

Mon, 06 Oct 2025 18:28:28 GMT

Four data points to start your week off right!

Knowledge is power, and news can be informative – but also alarming. Here at the Bobbi Decker Real Estate Team, we believe that while not all news is created equal, news based on data can provide valuable information. This week, we are pleased to share four pieces of GOOD news from the California Association of Realtors (CAR)® . We encourage you to read last week’s Market Minute Write-Up in full on the CAR® website, but we have highlighted the key points for you below.

While there are no doubt many factors to consider as you decide your economic strategy for 2026, we hope that you can look at the data and decide what is best for you. Obviously, we cannot ignore concerns about inflation, rates, and affordability, however, no one facet tells the whole story or should impact your choices alone.

The best decision is the one that is right for you and your situation in the short and long-term. You got this!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: October Is ‘Talk About Prescriptions’ Month

Thu, 02 Oct 2025 17:53:38 GMT

Prescription drugs can have benefits & risks - find your balance!

Science, technology and modern medicine are amazing things. But like all great inventions, the use of medication is just as important as the development of the drug itself. This month, we are highlighting the October awareness theme of ‘Talk About Prescriptions’ month, founded by the National Council on Patient Information and Education in October 1985.

First of all, let me say that medicine has saved my life. As a four-time cancer patient, I believe that faith plus modern medicine has gotten me to where I am today. Second, let me also say that I have experienced the side effects of medications, and found it critical to empower myself with knowledge. Third, the BEST person to talk to about your own medication needs is your trusted doctor or team of them. This blog is for informational purposes only and is not a substitute for medical advice. In fact, this article is intended to help guide conversations with your trusted medical team about your health and treatment.

Did you know that 8 out of 10 older adults take at least one medication, with most taking 3+ medications per day? That is why the BeMedWise developed two critical toolkits for older adults. The first toolkit is called “BeMedWise Seniors: Medication Use Safety Training (MUST) for Older Adults” shares how to stay safe when juggling multiple medications, how not to let medication costs deter use, plus tips for staying on schedule and what to ask your provider. The second toolkit “Be Acetaminophen-Savvy: Older Adults” talks about avoiding acetaminophen overuse which leads to liver damage, as this is a key ingredient in over 600 prescription and over the counter medications in the US.

In addition to your doctor, pharmacists are a wealth of knowledge about medications and interactions. The University of Nevada in Reno offers a great list of 10 questions to ask your pharmacist about your medication(s). Check it out HERE.

Finally, it is important to address the abuse of opioids and the increase of central nervous system depressants. American Addiction Centers offers a data-driven overview of these health challenges, as well as ways to get help. It is important to ensure that your provider addresses a high quality of life and a low risk of addiction when prescribing pain medication and anti-depressants.

Just like almost everything in life – medication use is about balance! The Bobbi Decker Real Estate Team advocates talking about prescriptions in an educated and ongoing basis . We want you to achieve the highest quality of well-being with the lowest risk and ensure you have the tools to make the best decision for you.

Trust yourself.

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 2026 Real Estate Forecasts Are Here

Mon, 29 Sep 2025 18:32:18 GMT

See what CAR® and Fannie Mae® are projecting for sales, rates and affordability.

Welcome back friends! You know what we always say about the last quarter of the year, it’s when we get the first glimpse of what to expect in housing in the year to come. While there is no crystal ball, there is a lot of data and analysis that go into the predictions for the coming year. There are no guarantees that these forecasts are 100% accurate, but we do believe the general themes are likely indicative of what we will see in some parts of the country at some point in the year.

On A State Level

The California Association of Realtors® released their 2026 California Housing Market Forecast less than two weeks ago. The key summary is that California home sales are expected to increase by 2%, median price is projected to rise 3.6% while housing affordability improves slightly to 18% (over 16% and 17% in 2024 and 2025 respectively). C.A.R. Senior Vice President and Chief Economist Jordan Levine adds that “As economic uncertainty begins to clear up in the next 12 months and mortgage rates start declining more consistently in the upcoming quarters, housing sentiment will see some improvement in 2026.” Read the news release in full HERE .

On A Nationwide Level

Across the country, Fannie Mae® predicts that new and existing home sales will increase to 5.16 million in 2026 (from 4.72 million in 2025). The refinance share of mortgage applications is expected to grow from 26% in 2025 to 35% in 2026 – largely due to the anticipation that mortgage rates could drop to 5.9% by the end of 2026. Purchase activity is projected to increase in 2026 by 10% compared to 2025 and 15% compared to 2024, especially in Quarter 2 and Quarter 3 of the year. Read the summary and access the data HERE .

We hope that this week’s blog has inspired you to reflect on the market in 2025 and get excited about 2026. The best thing you can do is always what is best for YOU! Please let us know if you need help determining what factors are the most critical to your own decision-making process.

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Spending, Investing & Strategizing

Thu, 25 Sep 2025 18:04:17 GMT

3 reads on money matters that count for older adults!

Welcome back to the Bobbi Decker Senior Spotlight! This week’s topic is one that may not be glamorous but is absolutely necessary to talk about: money matters. Saving, spending and investing in retirement looks and feels very different compared to other stages of life. Below we are sharing 3 recent articles that give us all some food for thought in the menu of what to do with those hard-earned funds.

*Please note that these resources are for informational purposes only and should never be considered financial guidance. Please always refer to your own personal financial advisor for decisions related to your own situation and what is best for you!

11 Reasons Baby Boomers Aren't Spending Their Massive Wealth | AOL

Federal data reveals that Baby Boomers are the wealthiest generation in the US holding over 50% of household wealth. Not only are they known for amassing these funds – but hanging onto them. The Finance Buzz from AOL reveals what is holding Boomers back from spending all that they have saved. Reasons include living longer, having fears over their future, juggling competing demands for money and even hanging onto leftover pandemic routines. Read all the reasons (they are very interesting!) in full HERE .

How Different Generations Invest and What They Can Teach You | Kiplinger

It’s been proven time and time again that intergenerational learning benefits individuals of all ages – and there is much to gain especially when we are talking about money. A new read from Kiplinger points out the ways in which different generations invest (and why) and suggests that we can learn from our own ‘investing blind spots’ by talking to those of different ages who allocate funds differently. Knowledge is power; let’s share it! Read about varying views on investment by generation in full HERE .

Attention Boomers: You Have Less Than 1 Month Until The Most Important Social Security Announcement of the Year | 24/7 Wall Street

If you are a Baby Boomer collecting Social Security, the date of October 15th, 2025, likely has implications for you. 24/7 Wall Street confirms that “…This key date, which is coming up in under one month, is the date when the Social Security Cost of Living Adjustment (COLA) will be officially announced.” Known as a Social Security ‘raise’, a COLA adjustment is designed to help retirees cope with inflation. The increase is announced in October and takes effect in 2026. Learn more about the COLA formula and timing HERE .

Cheers to living well and strategizing wisely,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Say Goodbye To These 4 Home Design Trends

Sun, 21 Sep 2025 20:10:47 GMT

Here is what is NOT to come in 2026!

It’s hard to believe that there are just over 3 months left in 2025. Where has the time gone? As the next year draws closer, we have already started seeing some looks to come in 2026, including those paint colors of the year we previewed in early summer. Now we are taking a different approach as we share what Real Simple reveals will NOT be on the horizon in the new year.

To read the article “4 Home Trends Experts Predict Will Disappear by 2026” in full, click HERE.

Trends NOT Trending In 2026

#1: All-White Kitchens. Color and character are back at last in kitchen design. Experts predict that homeowners will continue to add warmth and depth to their kitchens via painted cabinets, natural stone with movement and varying textures throughout. Goodbye flat white and sterile.

#2: Matchy-Matchy Furniture. Remember those exact matching furniture deals with the couch and chairs and one print accent pillows? Highly coordinated is out and collected, organic style is in. Color and pattern and personal touches will now reign over highly-coordinated and dated sets. Goodbye matching everything!

#3: Open Shelving. No surprise here – open shelving was never practical and keeping them stylish is not sustainable (unless you never use the dishes!).

Managing clutter will not be a problem in 2026 as open shelving trends get replaced by vintage cabinets or smarter, statement storage pieces. Goodbye dust-collecting, cluttered shelving!

#4: Maximizing Minimalism. Less may be more, but too little is simply too impersonal! The barren, pared back look will evolve into warmer, more livable spaces. Layered, soulful and stylish will become the norm. Goodbye monochromatic minimalism!

For more on what experts expect to be in and out in 2026, check out these related reads:

16 Interior Design Trends 2026: Must-Have Looks You’ll Love

These Color Trends Will Be Everywhere in 2026, According to Designers

Designers Predict These Will Be the Biggest Curb Appeal Trends of 2026

Cheers to looking forward to the future,

Bobbi

Bobbi Decker
DRE#00607999

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/

Over Halfway To Bobbi’s Never Give Up Team Goal!

Thu, 18 Sep 2025 17:20:08 GMT

Thank you truly for your support.

Wow! What a week it has been; heading into this week after speaking at the American Cancer Society Relay For Life has felt amazing. And the only thing better than trying to support and touch other lives fighting cancer is receiving the same care from you! I would like to sincerely thank everyone who has sent words of encouragement, shared their own stories and donated to Bobbi’s Never Give Up Team . With your help, we are almost 65% of the way to our goal . I could not have done it without you – and am so glad I did not have to!

Fighting cancer for the fourth time often feels like so much has been taken – and the biggest loss has been that of purpose. This opportunity to speak at Relay For Life and to create a team raising funds to support cancer patients has given me back much of what I have been missing. I am grateful to all of you who have joined my team and passed along the spirit of care, love and camaraderie.

For those looking for our usual Senior Spotlight this week, I wanted to share a fact with you about age and cancer that reiterates how unfortunately common the cancer experience is. By age 85, 1/3 of all men and 1/4 of all women are living with a history of cancer. By the year 2040, the number of cancer survivors over age 85 is expected to reach nearly 4.7 million.

May we continue to see and support those fighting cancer today, those living with the treatment of yesterday and those who may battle this beast in their future. Together – we can get through it!

With gratitude & inspiration,

Bobbi

In Her Words...

Bobbi Decker
DRE#00607999

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/

Bobbi's Never Give Up Team / American Cancer Society

Sun, 14 Sep 2025 22:20:30 GMT

"Never, never, never give up.” (Winston Churchill)

If you have followed our blog and media outlets over the years, then you know that there is one thing we prioritize above all else: health . Because while our business and goals may have been focused on real estate, home, lifestyle, aging and retirement – none of that matters if we do not have the thing that grounds us, empowers us and allows us to be the best we can be – the healthiest version of ourselves.

Health has become an ever-present theme in my own life over the last 4 years as I have battled cancer for the 2nd time. I share this only because I know that fighting cancer is something everyone can relate to – either watching someone you love fight for their life or enduring the battle yourself.

I am not only passionate about supporting cancer survivors and their families – but in advocating for the funds that sustain critical research. One of the medications I am currently on is actually new and not previously available in my last round. The importance of support and funding is why I have joined the North Peninsula Relay For Life and started ‘Bobbi’s Never Give Up Team.’ I was honored to speak at the opening of the event this past Saturday, September 13, 2025 – and I am even more inspired now to fulfill my $3,000 goal.

The community spirit of Relay For Life has not just reinforced for me that cancer impacts way too many people, but emphasized the fact that NO ONE should fight cancer alone. As a proud sponsor of the event and a Team Captain, I am passionate about the work that the American Cancer Society does – and how we can help!

If you feel called to join in efforts to sustain research or make a contribution in honor of a loved one, I would be truly grateful.

Donations to the American Cancer Society can be made HERE on my team page.

To learn more about Relay For Life events, click HERE .

To see the direct impact of fundraising, click HERE .

Bobbi Decker
DRE#00607999

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/

Monday Market Update: Seller Strategy – Start Early

Mon, 08 Sep 2025 17:37:31 GMT

When to start thinking about selling.

We know that summer has barely ended, but for those thinking of selling in spring 2026 – the time to plan is now. Realtor.com® recently published an article titled ‘ Want To Sell Your Home? Start Early: What Today’s Market Means for Longtime Owners,’ and we encourage you to read it in full here . For the purposes of today’s blog, we wanted to share a brief summary and have added a few local data points to support the thought process.

4 Reasons To Build A Seller Strategy Now

#1: Almost half of today’s homeowners have lived in their homes for 15+ years. 25% of homeowners have lived in them for over 25 years. Planning for where to move next requires long-term thought & careful consideration (plus no doubt - some clean out!).

#2: Sellers (especially in Silicon Valley) still have the ‘upper hand’ so to speak. Nationwide inventory is 4.1 months, and in San Mateo County it is even less at 1.5 months. The average days on market is less than a month at 25, and most homes are selling above asking locally with a sales-to-list-price ratio of 102%.

#3: Equity has doubled, tripled and even quadrupled for many longtime owners. You may have more wealth in your home than you realize (Realtor.com® states that those who purchased a median priced home in 2005 have seen their property’s value increase by around 90%). Sellers need time to get multiple custom home valuations and decide how to re-invest or roll over the potential sales proceeds. Think outside the box including second homes, vacation homes, multi-generational homes and lifestyle choices.

#4: Once you know where you want to go and how to spend your ROI, the preparation starts. From choosing an agent to deciding what home repairs make the most ‘cents’ and sense, identifying your team, your timeline and your top updates start today.

For more San Mateo County sales data and statistics, visit the SAMCAR Market Data page here .

To read more from Realtor.com®, click here.

Cheers to making plans that work for you,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: September Is Healthy Aging Month

Wed, 03 Sep 2025 18:58:02 GMT

10 ways to reinvent yourself – from Healthy Aging®

September is here! The Bobbi Decker Team hopes you had a wonderful Labor Day and that the fruits of your labor in your younger years and today are serving you well in your aging process. This month also marks Healthy Aging Month – a national observance created by Healthy Aging Magazine® in 2003, adopted by organizations such as the National Institute on Aging and National Institute of Health. The 2025 theme for Healthy Aging Month is “Never too late to reinvent yourself.” This focus encourages older adults to reflect on their lives and refresh their health-related routines. Here are a few ways how from the founders…

10 Fresh Tips for Healthy Aging® in 2025 ( Read in full here )

1. Add Play to Your Day

2. Embrace Microadventures

3. Get That Annual Physical—and Track It

4. Be a Lifelong Learner

5. Cultivate “Weak Ties”

6. Reset Your Relationship with Technology

7. Cook One New Healthy Recipe a Week

8. Reconnect with Purpose

9. Financial Fitness Checkup

10. Start a “What’s Next” Journal

For an overview of what we know about healthy aging as a whole – review the National Institute of Health summary here . You’ll find tips on physical health, mobility, healthy eating, sleep habits, mental health, hobbies & more!

For reminders on an often-overlooked area of aging – eyes – be sure to read the National Eye Institute resources on eye education here .

To review national goals on what the next decade of healthy aging could look like, review priorities and objectives from the Office of Disease Prevention and Health Promotion here .

Cheers to a month that helps us reset and reinvigorate our choices in curating our best and healthiest lives!

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Happy Labor Day!

Wed, 27 Aug 2025 20:33:36 GMT

Success is not just about what you do for work - but who you become along the way!

Hello Friends! Labor Day weekend is here! In just a few days, many American workers will have a day off to celebrate Labor Day 2025. While it’s unofficially the ‘end’ of summer (the official last day of summer is September 22nd), it’s officially the day that pays tribute to the contributions and achievements of American workers.

According to History.com , Labor Day was created by the labor movement for worker safety in the late 19th century, and was made a federal holiday in 1894. The US Department of Labor acknowledges that this is when we celebrate how "American labor has raised the nation’s standard of living and contributed to the greatest production the world has ever known", and advises we pay tribute to the American workers for the strength, freedom and leadership they bring to our nation, and in turn, to our country’s ideals of economic and political democracy.

For most of us personally in modern times, Labor Day is seen as a time to reflect on the work we do every day – and to enjoy a day off from work with loved ones. Really, it embodies the balance of contributing to society, making a living and living a life.

That’s why this Labor Day we are choosing to focus on the Maya Angelou quote that guides us in defining our own success. I would agree that success it not just what we do – but who we ARE.

Do we like who we are in our personal and professional lives? Do we like what we do each day… and the actions we choose in how we do it? If not – then there is much more work that needs to be done.

If you are ‘successful’ monetarily but not satisfied with who you are and what you contribute, is that the work you want to be known for? Is that the work you want to spend your life doing? On the other hand, if you love what you do and who you are while doing it – you may have reached the heights of success!

This weekend, we encourage you to think about your work, how it defines your contributions, your character and your legacy. We hope that all of the success you experience can be measured in fulfillment in what you achieve and who you have become along the way – not just dollars and cents.

Cheers to a Labor Day that celebrates hard work and intentional contributions,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Secrets From Super Agers

Wed, 27 Aug 2025 18:31:20 GMT

Achieving life longevity & maintaining optimal health.

"The bottom line is, while your genes matter, what you do every day counts just as much, and often more, in determining how long you live and how healthy you stay."

~ Jennifer Hankenson, M.D., Program Director of Physical Medicine and Rehabilitation,

Yale New Haven Medical Center

Welcome back to the Bobbi Decker Senior Spotlight! This week we just had to kick off our newest blog with a quote that inspires us all in longevity and well-being. That statement reminds us that no matter the cards we are dealt genetically, there are actions we can choose daily that matter just as much if not more.

A new article from Next Avenue titled ‘Super Agers Show Us How to Live Long and Well’ shares perspective-shifting data from a book by Eric Topol, M.D., a practicing cardiologist, scientist and founder/director of the Scripps Research Translational Institute. Titled “Super Agers: An Evidence-Based Approach to Longevity," this read serves as a blueprint for preventing the ‘big 3’: cancer, cardiovascular disease and neurodegenerative diseases. Furthermore, the approach doesn’t just focus on how long you live – but how many years of life you enjoy with optimal health, meaning without disease or disability.

The book outlines five dimensions that contribute to healthy longevity: lifestyle factors, cells, omic science (collective biological information), artificial intelligence (for medical forecasting and actionable steps) and drugs and vaccines.

The article from Next Avenue compares the advice given in this new book to guidance from two renowned Yale physicians. The best news is that none of what is being revealed is a secret. The keys to longevity and health are rooted in being physically active , not smoking and eating a balanced, intentional diet . Other top tips include adopting smart habits (including ways to keep your brain sharp), getting quality sleep in adequate amounts and maintaining social connections.

We encourage you to explore the Next Avenue article in full here .

When in doubt – start with what you know! Take whatever habit you are familiar with above and adopt it with consistency. For example, we all know that physical exercise is good for us and how to do it – so why not make a regular 3x weekly walking date with a neighbor?

Start small, think big & live long! Let’s do this together!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Capital Gains In The News

Sun, 24 Aug 2025 19:55:26 GMT

Recent articles talk about who is advocating to re-write the rules.

When Benjamin Franklin famously said that “Nothing is certain except death and taxes…”, he probably had no idea how much that statement would be applied over the years. That quote is a harsh reality for many homeowners who have built significant equity and who would be subject to a large tax bill if they sold their homes.

The current capital gains exclusion on the sale of a home is $250,000 for individuals and $500,00 for couples – figures that have not changed since 1997. But since then, home values have climbed over 260%. Realtor.com® reports that 29 million homeowners today would be exposed to hefty capital gains taxes if they sold their homes. By the year 2030, a projected nearly 60% of homeowners would be impacted. The result is a continuation of what’s been happening – more homeowners staying put, more wealth being stored in home equity and fewer homes hitting a market desperate for inventory.

A few recent reads have summarized the current proposals that would exclude, reduce or modify the current capital gains law.

Realtor.com® | Homeowners Face Hidden Home Equity Tax: 3 Big Proposals Could Rewrite the Rules

This article summarizes three proposals: the No Tax on Home Sales Act, the More Homes on the Market Act & the idea of ‘indexing for inflation.’

Realtor® Magazine Media | Outdated Tax Rules Are Freezing the Housing Market—and It’s About to Get Way Worse

Written by Michael Rauber, the manager of advocacy communications at the National Association of REALTORS®, this article expands upon why NAR® is supporting the More Homes on the Market Act and how building equity has become more of a ‘trap’ than an opportunity.

Kiplinger | No Capital Gains Tax on Home Sales Coming Soon? What You Need to Know

This article summarizes the No Tax on Home Sales Act proposed by Marjorie Taylor Greene, who would benefit from it and who would ‘miss out.’

*Please note that the information above is for informational purposes only and is not intended to serve as financial advice or political opinion. We simply wish to share what has been proposed and what you may see in the headlines so that you can educate yourself accordingly. Please always consult with your own financial advisor and tax professional to understand the implications of taxes, homes sales and staying or selling for your own situation.

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlights: Surprising Stats On Boomer Buyers

Tue, 19 Aug 2025 17:43:49 GMT

Fortune® reports that there are more senior citizens buying homes than Gen Z and Millennials.

August is more than halfway over, and the real estate news continues to shine on the trends that are shaping this dynamic, changing and challenging market. Today we wanted to share 5 facts you may not know about older adults as homebuyers, based on recent articles from Fortune Magazine® and Yahoo! Finance®.

# 1: In 2024, there were more home buyers over the age of 70 in the U.S. than under the age of 35, according to NAR®.

#2: Older baby boomers (born1946-1954) accounted for 22% of home buyers; the share of “younger” millennials (1990-1998) and Gen Zers (1999-2011) were just 14% and 5%, respectively.

#3: 46% of homes purchased in 2024 were by those aged 60 and over – according to Deutsche Bank.

#4: The median age of a home buyer is now a record-high 56 years old, up a full decade from 2021.

#5: Boomer home purchases include downsizing into a smaller property and second home purchases.

If you are wondering why older adults are dominating the purchase market, both Fortune and Yahoo! Cite the affordability challenges for younger generations. Yahoo! Finance reports that “The gap between what homes cost and what people earn has widened dramatically, leaving many younger Americans stuck renting or living with family longer than expected.”

Similarly, Fortune reports that “Wages haven’t kept up with home prices. According to a 2024 report from the U.S. Department of the Treasury, rents and house prices have been rising faster than incomes across most regions of the U.S.”.

Resources Used: Today’s housing market is so upside down there are more senior citizens buying homes than Gen Z and millennials ; Struggling To Buy Your First House? You’re Not Alone: Homebuyers Over the Age of 70 Now Outnumber Those Under 35

Questions? Comments? Feel free to reach out anytime at bobbi@bobbidecker.com .

Enjoy the rest of August!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Hottest Zip Codes In The West

Sun, 17 Aug 2025 19:58:13 GMT

Summer is still here; this is where housing is sizzling…

While most schools are back in session or about to be, the reality is that we are still in the summer season. The summer market is showing some later than usual heat given various economic conditions including rates that are the lowest we’ve seen in almost a year.

In the spirit of all that is still sizzling, Realtor.com® recently released some data on the hottest zip codes in the US, then broke it down by region. A ‘hot’ zip code as defined by the publication is one in which “…buyer interest is strongest and homes are flying off the market.” In addition, Realtor.com’s Hottest ZIP Code rankings account for market demand as measured by unique viewers per property and pace of the market as measured by the number of days a listing is active on the site.

Do any of these metros surprise you? Have you considered moving to one of these areas yourself? Do you know someone who has moved to one of these desirable locales… I would bet most of us do! I can think of many in my network who have relocated to the Sacramento/Roseville area especially... ��

Cheers to enjoying the rest of summer and the sunshine that goes with it,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 7 Considerations For Senior Living

Wed, 13 Aug 2025 19:46:59 GMT

Ask yourself these questions before you downsize…

The Bobbi Decker Senior Spotlight is going back to our roots today as we launch into a topic that is the foundation of living longer & living better. Our ultimate intention as Senior Real Estate Specialists® has always been to help older adults decide what living situation is right for them as they age. Today’s topic touches on how to decide if a senior community is right for you, based on a recent AARP® read titled ‘7 Questions to Ask Before Moving to a 55+ Community.’ We have compiled the questions into an easy to glimpse at graphic for you below!

Before you review the considerations to ask yourself, let’s first define what a senior community is. There are a wide range of types, but ultimately, they are communities that serve adults aged 55+. Most cater to active adult lifestyles and offer a wide range of socialization and recreational opportunities onsite. The National Investment Center for Seniors Housing & Care reported in July 2025 that older adults are moving into senior housing at record rates (a vast change from the COVID times). Independent living communities are ‘leading the charge’ with occupancy rates over 92%.

Not all of the questions above may apply to you based on your current home & lifestyle situation. However, #1 – being ready for change – is going to be the key to how you approach this decision. Keeping an open mind and not waiting until it is too late are vital to deciding when to move and where to go next!

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 3 Recent Reads For FTHBs

Sun, 10 Aug 2025 20:20:37 GMT

A few tips on entering the market with confidence!

Hello Readers! While many of you have been homeowners for some period of time, we also know that some of you or someone you know may be entering the market for the first time. Making your first real estate purchase is never easy; add in the layers of no longer living in a historic low rate environment and buying in Silicon Valley and the challenges can feel insurmountable.

First, we advise you to consider your short- and long-term goals before considering a real estate purchase. These goals will drive where you should buy, what type of property and of course – how much you will need to spend. Second, we suggest you build your team – carefully select a financial advisor, mortgage professional, real estate agent and tax preparer/accountant who can help you create the best strategy for your situation.

While making your first home or condo purchase could be an entire book series in itself – the purpose of today’s blog is to touch on the tip of the iceberg on where to start, and to direct you to 3 recent articles that answer 3 frequently asked questions about entering the market. Here goes..

#1: How much do I need to put as a down payment on my first housing purchase? What type of loans and first-time homebuyer programs are available?

A guide for first-time home buyers in 2025 (Yahoo! Finance): This article was just published a week ago and provides a great overview on what first-time home buyers need to know. It also explains 3.5% down options through FHA, no down payment options through VA and offers links to first-time buyer programs in California. Check it out !

#2: I can only afford a condo – but I have heard that some HOAs are really strict and impose crazy fines for violations. Should I still consider purchasing a residence in an HOA?

Buying a Condo in California Just Got Easier—Here’s the New Law That’s Turning the Tide on HOAs (Realtor.com®): The pros and cons of living in a community with a Homeowners Association are vast on both sides. For those concerned with fines, Assembly Bill 130 which was enacted on July 1, 2025 may provide some reassurance. Realtor.com® explains that AB 130 “…caps HOA fines at $100 per violation and introduces a host of new protections for homeowners. It also bans late fees and interest, expands the right to dispute violations, and marks a major shift in the balance of power between homeowners and HOA boards.” Read more here .

#3: Is it true that new construction can be cheaper? What’s the catch?

Why buying a new home in California could save you nearly $200,000 (SF Gate): This headline sounds almost too good to be true, right? According to the article, a Lending Tree report analyzed data from the National Association of Home Builders and found that existing homes cost 24.7% more or $193,700 on average compared to new builds. Why? New homes are often built in less expensive areas of the state, where land is cheaper and competition is less fierce. Another benefit of new construction is cost savings via builder incentives, such as rate buydowns, closing cost credits, rebates and free upgrades. Does this mean you don’t need agent representation? NO! Always be sure that your best interests are protected in any real estate transaction. Learn more here .

Be sure to share this information with anyone you know who is considering purchasing a condo or home for the first time.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Kindness Linked To Improved Longevity & Cognitive Function

Wed, 06 Aug 2025 22:52:10 GMT

A deeply human way to live longer – proven by research.

For years the Bobbi Decker Real Estate Team has talked about living longer and living better. Research now proves that statement almost to a science, as generosity and kindness are now linked to a longer lifespan and boosted cognitive function. A recent article from Next Avenue reveals how Baby Boomers are driven to make meaningful contributions - and that the silver lining isn’t just what that does for others, but how it benefits their own health. Similarly, a Harvard T.H. Chan School of Public Health article shared research earlier this year that regular volunteer work and engagement improved physical health and longevity.

Generosity

Did you know that the brain loves to give? According to Next Avenue, the act of giving triggers the brain’s reward system and releases the feel-good chemicals dopamine, serotonin and oxytocin. These pathways are linked to joy, motivation and longevity. In addition, a study of brain scans in 2020 showed that small acts of giving temporarily sharpen cognitive function and increase blood flow to the brain. Last but not least, generosity quiets the brain’s amygdala, or alarm system that manages stress and fear. When we demonstrate compassion, our brain actually becomes less reactive, lowering stress and improving memory, focus and clarity.

Kindness

Did you know that being kind and feeling for others builds brainpower? Empathy activates the circuits in the brain that help us understand and connect with others. The more we use these circuits and practice empathy, the more we grow our intuition and social awareness. Moreover, practicing acts of kindness can reduce depression and anxiety – sometimes as much as or more than traditional therapy.

Volunteerism

When you put kindness and generosity together and into action – the result is often volunteering! Giving of time and positive energy is shown to benefit the giver as much as the receiver. Harvard data supports that older adults who volunteered 15 hours a week tutoring and mentoring youth demonstrated better memory and increased mobility and strength. The Longitudinal Study of Aging (LSOA) conducted 20 years ago tested varying combinations of volunteer work frequency and time of death and after adjusting for other variables, found that frequent volunteers had significantly reduced mortality compared to non-volunteers.

There is SO much more that could be shared about how kindness, generosity and volunteer work support mental, physical and overall well-being. While the vast majority of those who choose to give do it for others – there is a sense of comfort and gratitude that what we offer is returned to us in the best gift possible: our health. May we never take it for granted.

Resources Used: Wired for Kindness: 8 Ways Generosity Can Boost Your Cognitive and Mental Health ; Kindness linked to better physical health, longevity ; The importance of connections: Ways to live a longer, healthier life ; Volunteering is Associated with Delayed Mortality in Older People: Analysis of the Longitudinal Study of Aging

Cheers to living longer & living better – for ourselves & others,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The VA Home Loan Reform Act Is Now Law

Sun, 03 Aug 2025 22:05:43 GMT

See the two benefits to veterans and their families here.

The VA Home Loan Reform Act (H.R. 1815) was signed into law on July 30, 2025. The bill was introduced on March 3, 2025 by Congress Representative Derrick Van Orden and was supported by many key organizations including: Mortgage Bankers Association, National Association of Realtors (NAR), National Association of Mortgage Brokers (NAMB), National Coalition for Homeless Veterans (NCHV), Veterans of Foreign Wars (VFW), and The American Legion.

There are two key parts to this law, the first of which relates to protection and reduced risk of foreclosure for those with VA loans. This need became urgent after the shutdown of the VA Servicing Purchase (VASP) program in Spring 2025, which according to National Mortgage Professional , “... had provided loss mitigation relief to approximately 35,000 seriously delinquent borrowers, allowing the VA to purchase, modify, and hold those loans. Following its termination, more than 43,000 VA loans remained six or more months delinquent as of June, with no comparable program in place.”

This new legislation now establishes a permanent partial claim program for VA loans, meaning that the VA can advance funds to cover payments for borrowers in serious delinquency, without refinancing or impacting original loan terms. (This is a similar structure for loans administered by FHA and USDA.)

The second part of the law relates to the new commission structure for how real estate agents are paid, now allowing veterans to “directly compensate their real estate agents, ensuring they can participate in the housing market on equal footing with other homebuyers ( NAR® ).” An outdated policy limited the ability of VA buyers to compete in markets where sellers declined to cover agent fees, and there had only been a temporary suspension in place. This new law provides long-term clarity for lenders, agents & borrowers as explained by National Mortgage Professional.

Resources Used & Further Reading:

VA Loan Reform Bill Now Law

NAR Secures Win for Veterans as VA Home Loan Reform Act Becomes Law

NAR® Letter of Support

President Trump Signs Landmark VA Home Loan Program Reform Act into Law

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: National Make-A-Will Month Is Almost Here

Wed, 30 Jul 2025 18:29:19 GMT

The time to plan is now.

August is almost here and it is National Make-A-Will Month . While this may not be one of the easiest topics to talk about, it is one of the most important. A will is key to ensuring that your wishes are honored, that your loved ones are protected and that your legacy reflects your values and hopes for the future.

The American Heart Association states that “Without a will in place, state law dictates who gets your house, savings and other assets instead of letting you provide the direction of your final wishes.” The Federal Office of Financial Readiness reiterates that a will is critical in permitting you to name an executor to pay your bills, cancel credit cards, oversee the distribution of the state and avoid probate. There are countless other reasons why a will is necessary; our goal today is NOT to offer advice or guidance on this highly complex topic – but to encourage you to consider if you have an active, updated will and if it includes everything you want and need.

*This blog is for informational purposes only and is not intended as legal advice.

Did you know that according to Caring.com , only 25% of Americans have wills today? This is a decline from 33% in 2022. Since we always say that knowledge is action - here are some resources to inspire you to make the best choices and plans for you.

Will Planning & Motivation / Caring.com

Protect What’s In Your Heart (Webinar & Guides) / American Heart Association

Wills, Estates, And Advance Care Planning / California Courts Self-Help Guide

Free Resource For Creating A Will / American Red Cross

Personal Estate Planning Kit / AARP

Estate Planning Information & FAQs / American Bar Association

There are countless other resources available; we encourage you to talk with your trusted financial professionals to determine what steps you should take and the best way to put your own plan into place.

Cheers to the legacy you have built & all the ways you can preserve it,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Inventory Report By CAR®

Sun, 27 Jul 2025 20:45:32 GMT

Did you know you can find out the inventory in your county every month?

July is almost over and within weeks many families will be sending their young ones back to school. But readers of the Bobbi Decker real estate blog are lifelong learners and know that knowledge is power. This week we are excited to share a resource from the California Association of Realtors® that we have not shared with you yet: the Monthly Active Inventory Report By County.

We all know that real estate trends are local – and quite often hyperlocal. The national and statewide headlines about the number of homes on the market may or may not apply to your county or neighborhood at all. One place to start when you want a glimpse into the inventory in your county is the CAR® Monthly Active Inventory Report. This one-page snapshot can be downloaded by county and lists the cities in each county – as well as the statewide and countywide data with regards to homes for sale, percentage growth year-over-year, median list price and median days active.

We have downloaded the San Mateo County Inventory Report for you as an example below.

To access inventory reports for the rest of the California counties, click HERE .

To view all available interactive reports from CAR®, click HERE .

We hope that with a new tool in your toolbox, you feel empowered to access the information you need about your local real estate market at any time. Remember that the very best decision you can make – is the one that is right for you. Data is a critical piece of the decision puzzle – please let us know if you need help applying it to your personal situation!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomer Housing Wealth Nears $19 Trillion

Wed, 23 Jul 2025 19:48:45 GMT

Two California cities hold top wealth in the nation!

A recently published report from Realtor.com® reveals that Baby Boomers now hold nearly half of the country’s real estate wealth. On a generation level, that breakdown means that Baby Boomers have about $19.51 trillion in real estate assets, while Gen X has $14 trillion, Millennials have $9.9 trillion, and the Silent Generation has $4.3 trillion. But regionally where is the wealth concentrated? Check out the map below!

As you can see, just 5 states hold the highest amounts of real estate wealth – Florida , California , Massachusetts , Arizona and Hawaii . Florida has 5 of the top 10 equity rich markets, while California has 2. Are you surprised that Santa Rosa and San Luis Obispo hold the top spots in our state? Here is why according to experts:

Santa Rosa-Petaluma

The estimated real estate value held by homeowners aged 65 and up is $54 billion, and those in that age group make-up for 47% of the population. As a city that is described as ‘geared for retirees,’ Santa Rosa offers a median home price of $995,000 and great access to nature with mild weather for active older adults.

San Luis Obispo

The estimated real estate value held by homeowners aged 65 and up is $31 billion, and those in that age group account for 49.8% of the population. This city has been called one the best places to retire in California due to the pleasant climate, access to medical care and recreational opportunities. Nearby Paso Robles has been named the ‘ Best Small Town for Retirement ’ by World Atlas.

We hope that this new Senior Spotlight has provided a glimpse into not just how much real estate wealth Baby Boomers hold – but also where and even why. Knowledge is perspective… and we promise to keep it coming your way!

All our best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 9 Best Places To Live In California

Mon, 21 Jul 2025 19:35:58 GMT

Guess which Silicon Valley city made the list?

In the spirit of summer vacation mode, our Monday Market Update this week is based on some fun and informative information from Travel + Leisure Magazine ! Published just days ago, the article titled ‘9 Best Places to Live in California' shares highlights as to why our state is such a desirable place to live – despite having the 3rd highest cost of living in the nation (after Hawaii and Massachusetts!).

The Draw

Even before the Gold Rush, California has drawn residents on account of its scenery, climate and natural resources. Travel + Leisure states that, “Today, residents are attracted by career opportunities in the state’s major cities, the diverse population, the variety of lifestyles, and the moderate weather in most parts of the state.” From 840 miles of coastline to towering redwoods to rugged cliffs to farmlands and wine regions – we are fortunate enough to live in a place that has it all!

The Plus Side

Did you know that the benefit for retirees in California is that Social Security benefits are not taxed, plus the state has many world-renowned healthcare facilities such as UCSF Medical Center, Cedars-Sinai Medical Center, and Stanford Health Care.

The Top 9

As Travel + Leisure narrowed down the most desirable areas of our state to include a town and community to for most needs – here are the 9 places they came up with:

1. Sacramento

2. La Quinta

3. Paso Robles

4. Redondo Beach

5. Sunnyvale

6. Temecula

7. Lodi

8. San Diego

9. Big Bear Lake

The Silicon Valley City

As you can see from the list above, the Silicon Valley city that made the list is…. Sunnyvale! With an A+ grade by Niche designated by high-ranking public schools, well-rounded family living and opportunities for nightlife, Sunnyvale is known for its sense of community. A walkable downtown, farmers markets, parks and hiking are just as desirable as the city's proximity to major tech employers (think Apple, Google, LinkedIn, Meta, and Amazon).

So what do you think? Is there a city you think should have been in the top 9 best places to live in our state? Do you think a different Silicon Valley city should have made the cut? Feel free to share – anytime!

All our best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Downsizing The Outside

Wed, 16 Jul 2025 18:29:03 GMT

What to do with your garden when you move!

A lifelong home holds so many memories and so much stuff – both inside and out. We often put much love and care not just into the spaces within our home, but the outdoor areas surrounding it too. Over half of US households engage in gardening as a hobby, plus it has been shown to benefit both physical and mental health. While we often talk about the implications of downsizing our stuff, no one has really talked about downsizing our gardens – until today!

Today’s blog is inspired by a read published on Next Avenue just a couple weeks ago, titled ‘How to Downsize Your Garden When You Move.’ Be sure to check it out in full and find a summary of the key points below.

ACKNOWLEDGEMENT

Like all aspects of downsizing, the very first step is addressing how you feel about the transition. If you have been an avid gardener and put a lot of time and energy into your flowers and plants, it is especially important to acknowledge if you are sad, angry, frustrated or even relieved (less work!). Experts advise you to reframe your mindset into how you will be able to garden in your new space, and to consider this opportunity as one of renewal.

SORTING

The next task is one the Next Avenue refers to as the ‘nitty gritty.’ You must decide what gardening items you can keep – and what must go. If you have an area in which to garden in potted plants or raised beds, it is advisable to keep some garden gloves, a watering can and basic tools.

DONATING

One way to feel great about perpetuating your love of gardening is to pass it on! Consider donating all the garden items you no longer need to youth centers, schools, churches or community organizations. Many libraries would love your gardening books, and some may even take supplies too!

PLANNING

Once you have cleaned up your old garden space, it’s time to plan your new one! Will you have a new small yard that you can plant in? A patio for pots? A covered porch for hanging plants? Get creative with indoor pants, planters on balcony railings and even stair step planters for front entrances.

CONNECTING

If your new space truly offers no space to garden – you do not have to give it up completely (unless you want to!). Look into local opportunities to volunteer at a community garden, school or garden club. This has the added benefit of social connection which is also proven to increase quality of life and even longevity!

Downsizing your garden may not be easy – but with a little thought and planning – you can refresh your green thumb and inspire others along the way!

Happy digging,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Local Differences vs. National Trends

Sun, 13 Jul 2025 22:40:03 GMT

June 2025 – a glimpse into how 3 stats differ on a local and national level!

Do you ever watch the housing news and feel surprised? Does it ever seem like what you read online does not reflect what is happening in your neighborhood? You are most likely right! Much of the data reported in real estate is based on national averages, and real estate is a local and even hyper-local industry. There are countless variables that impact home price trends, days on market, inventory and more.

Today we are providing access to the June 2025 Monthly Housing Reports on a national level as reported by Realtor.com®, and the June 2025 Market Data for SFRs courtesy of the San Mateo County Association of Realtors® (SAMCAR).

INVENTORY

Nationally, the inventory of homes for sale has risen 28.9% from June 2024 to June 2025.

In San Mateo County, the inventory of homes for sale has risen 23% - from 1.3 months of inventory in June 2024 to 1.6 months in June 2025. This is a lesser amount than the national average and still nowhere near a balanced market of 4-6 months of inventory.

PRICE PER SQUARE FOOT

On a national level, the median price per square foot has increased 0.7% year-over-year. Note that the median list price for a home across the US is $440,950.

In San Mateo County, the price per square foot has actually dropped 1.26%, from $1,193 last June to $1,178 now. Note that the median sales price of a home today in San Mateo County is $2,000,000 – more than 4x the national median list price.

DAYS ON MARKET

Per national average, days on market have increased from 48 to 53 days – but the same as pre-pandemic norms for summer.

On a local level in San Mateo County, days on market has increased from 19 days in June 2024 to 22 days in June 2025. Homes here spend less than half the time they do on the market on average across the nation!

We hope the insights above have empowered you to ask questions when you hear data and statistics. Where does this occur? Who is tracking the data? What does this mean for ME? And if you need help with any of that – you know who to call! ��

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Sun Keeps Rising

Thu, 10 Jul 2025 05:43:12 GMT

3 SUPER simple skin safety tips for seniors!

We know and understand that the older and wiser you get, the more all aspects of us age too. It seems like ‘there is always something’ that is hurting, needs to be seen by a doctor, requires medication or means a dietary change. While not all aspects of aging can be eliminated – they can be made easier. And sun safety is one of those things! And since July is UV Awareness Month... the time to talk about it is now.

Because you have enough other things to think about, we are going to share 3 reasons why sun safety is SO important for seniors. Then we reveal a graphic with 3 steps on just how to do it. There is now an easy button for sun safety for seniors – and you just found it!

The Skin Cancer Foundation has published a blog in the last few years titled ‘The Sun Keeps Rising: Why Seniors Can’t Skip UV Protection.’ Here are 3 key reasons why:

#1: Think longevity. Mickey Mantle died of cancer at age 63 and famously said, “If I knew I was going to live this long, I’d have taken better care of myself.” It’s never too late to start paying attention to your UV exposure.

#2: Sun exposure is cumulative. Most skin cancers result from sun damage over the course of our lives and since seniors have lived longer – they carry the highest risk. Monitor past damage, prevent future damage.

#3: Epidemiological, biological and molecular data all point to skin cancer as predominantly a disease of the elderly. At least one in five Americans will develop skin cancer by the age of 70. The majority of people who develop melanoma are white men over age 55.

Ready to protect yourself? Here’s how:

Cheers to sun safety starting TODAY!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Back To The Beach – Via Paint Picks

Sun, 06 Jul 2025 21:02:39 GMT

Get a first look into the 2026 Sherwin-Williams color forecast!

Is it just us, or does summer make you feel nostalgic? The sunshine often evokes summer memories of sandy beach days, bright-colored popsicles and playing outside until dark. If you are feeling a throwback to days gone by, you are not alone – as designers choosing the 2026 colors pf the year are feeling the exact same vibe!

Realtor.com® just published an article titled ‘The Top 3 Paint Color Trends for Next Year Will Transport You to the Beach—in the 1980s’ – read it in full here .

The experts interviewed in the publication have much to say about the colors of the year, namely that they are like horoscopes for your living room; sometimes they are spot on, and sometimes they are not. In general, the colors selected for the coming year are based on broader design shifts , cultural moods and what buyers are responding to . Right now – that is the beach from back in the day!

Retro Teals

Reminiscent of the ocean, this soothing hue was popular in 2025 and isn’t going anywhere for 2026. Known for pairing well with warm wood tones and sandy neutrals, teal is popular among younger buyers, ideal for beachside properties and can invoke a coast side feel anywhere. Use it.

Earthy Reds

Clay red, terra cotta orange and rusty maroons: do these shades remind you of sunsets or give you Mediterranean visions? As another retro summer tone, rich, natural reds are great for desert-inspired designs and coordinate nicely with bronze fixtures and accents.

Bold Beiges

Beige does not have to be boring! Think deeper than tan with a soothing, sandy feel – beige works well with minimalist designs, natural woods, whites and brass hardware. It works as a fantastic contrast to the teals and reds noted above and is surpassing gray as the must-have neutral.

2026 is still 6 months away – but this summer can inspire your design choices today and in the year to come. These retro beach hues are an ideal way to help us reflect on the past, enjoy the present and get excited about the future!

Happy Summer,

Bobbi

Bobbi Decker
DRE#00607999

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/

Happy 4th of July!

Wed, 02 Jul 2025 20:31:31 GMT

Happy 4th of July!

The Bobbi Decker Team would like to start off by wishing you all weekend celebrations that are safe, memorable and meaningful! As we welcome the holiday that commemorates the passage of the Declaration of Independence and our nation’s birth, we deeply honor our freedoms.

The 4th of July typically represents the core values of freedom of speech, freedom of religion and the right to pursue happiness. As we embrace all that is possible when we let freedom ring, may we also be mindful of the impact of not honoring one another’s differences.

The freedom to have our own thoughts and beliefs means that we are destined to NOT agree. But we encourage you to distinguish between disagreement and hate. As the quote above reminds us, hate does not solve anything. While we owe it to our nation to be passionate about what we think and feel, we owe it to one another to do so with respect and compassion.

May your Independence Day be filled with gratitude for our freedoms, remembrance for those who have protected it and recognition of the diversity in how liberty is embraced.

With homage and dignity,

Bobbi

Bobbi Decker
DRE#00607999

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/

Monday Market Update: Luxury Market Headlines

Mon, 30 Jun 2025 18:38:55 GMT

Spotlight on a few top stories!

The best news we can share is that it’s almost 4th of July! We could not start off this week without a gentle and heartfelt reminder for all of us to pay homage to those who fought for our nation’s independence. As Friday approaches, may we all act with intention and grace in honor of those who have sacrificed for us to be free.

Besides the excitement of the 4th of July, we also scoured the headlines for you and noticed that there was much talk about the luxury market. The 3 articles below shine a spotlight on where the high-end market is headed.

Here's How The Luxury Real Estate Market Is Splitting Up | CNBC

Published last week, this read from CNBC distinguishes how “…economic uncertainty is creating a divide in the luxury real estate market between ultra-rich buyers and the merely wealthy.” The article also reveals the role that real estate plays in asset building, and with over 2/3 of luxury property agents reporting that their affluent clients are maintaining or increasing their exposure to real estate during times of economic uncertainty.

High-End Housing Market Trends and Outlook | Realtor.com®

Chief Economist Danielle Hale starts off this spring publication with a confident statement: “Despite the plethora of challenges faced over the past few years, the American economy has continued to grow, and that growth has been an important driver of real estate value.” The article continues by explaining how gains in real estate are biggest among the top half of the wealth distribution, and how the $1 million-plus category of homes has been the fastest growing/least declining sales segment for 21 months straight.

San Francisco’s Luxury Housing Market Is Booming Again Thanks to AI Wealth | Bloomberg

A national media producer shines the luxury light on a local level as it’s revealed that San Francisco is “is now undergoing a major renaissance in its luxury housing market” – noting that the city had more home sales above $20 million last year than any other time in history. Much of the luxury market success is believed to be rooted in the city’s status as a hub for AI players and start-ups due to the region’s vast labor pool with tech expertise.

We hope that you have a great week, with great new knowledge about this market sector – and great plans to honor our nation this Independence Day!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: New PBS Documentary On Caregiving

Wed, 25 Jun 2025 19:04:57 GMT

Just released on June 23, 2025.

"The caregiving experience I had with my father inspired this documentary. I came to appreciate how we need to care for caregivers better.”

~ Bradley Cooper

There are some seasons in life that impact us all – no matter where we live, what we do, how much money we have or how famous we are. Celebrity actor Bradley Cooper has just released a documentary being aired on PBS called “Caregiving” and the theme of suddenly caring for the person who raised you is one that rings true in the hearts of many of us.

While we have not yet seen this documentary, we do want to help shine a light on a topic that is life changing for many of us. We are sharing about this program so you can form your own opinion and determine the relevancy in your own life.

Next Avenue explains that “Caregiving” is “…told through a revolving frame of personal stories, interviews with policy makers, facts and figures and historical timelines [as] Cooper and the filmmakers aim to raise awareness of the caregiving crisis.”

Points of interest (and even controversy) include:

- The US position of not having standardized health insurance in relation to the caregiving crisis

- The challenge of long-distance caregiving and moving to support aging loved ones

- The isolation and overwhelm experienced by family caregivers

- The financial strain faced by the over 5 million paid caregivers (not to mention the unpaid sector!)

- The challenge of how to truly care for our caregivers better

To see a preview of the documentary and stream it, visit PBS .

Read an overview on Next Avenue here.

May we gain perspective, see value and explore connectedness in a plight that is virtually impossible to avoid. We all have aging loved ones – and how we care for them, ourselves and one another is a critical conversation.

Hugs to all the caregivers out there,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Widening Wealth Gap

Mon, 23 Jun 2025 19:35:39 GMT

Homeowners are 43x wealthier than renters.

Welcome back to the Bobbi Decker Real Estate Blog! If you have followed our articles for years, then you know that we value real estate as not just a driving lifestyle force, but a wealth-building asset. A recent article from Money magazine verifies that what we’ve always seen in the market continues to be true: homeowners have more wealth than renters. Furthermore, the wealth difference between homeowners and renters is growing. We’ve summarized the main factors below, but we encourage you to read ‘Homeowners Are Now 43 Times Wealthier Than Renters’ in full.

What The Stats Say

- In 2025, the net worth of a homeowner is $430,000 on average, while the net worth of a renter is $10,000.

- Since 2019, renters have grown their wealth over by 37% (from $7,300 to $10,000), while homeowners have grown their wealth by 46% (from $295,500 to $430,000).

- From 2022 to 2025, homeowner wealth has continued to grow (from a net worth of $396,200 to $430,000) while renter wealth has actually shrunk (from $10,400 to $10,000).

What The Reasons Are

- The widening wealth gap between homeowners and renters is largely due to the fact that it is one’s income plus the value of your assets that make-up net worth.

- Homeowners have gained substantial equity via the home price appreciation that has dominated the market for the last 5 years.

- On the flip side, renters have faced larger rents, so even if they continue to earn more – they are saving less and spending more on housing.

- It is also notable that home price appreciation is far outpacing wage growth. While renters and homeowners can both earn more money, only the latter can benefit from home price increases to build equity.

Read More From NAR® HERE

The bottom line is that home can be a great source of comfort and a wise investment! While getting into the market is far from easy… it is very often worth it!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Traveling with Dementia

Thu, 12 Jun 2025 21:50:35 GMT

Articles plus a podcast + book on this not-often talked about topic!

Travel can be a beautiful thing… yet also a stressful and chaotic experience under the best of circumstances. But for those with dementia, it can be even more overwhelming and anxiety-inducing, causing many potentially positive experiences to be stopped before they start. First, we encourage you and your loved ones to speak with your medical team before deciding if traveling with dementia is an option at all. Second, we wanted to share 5 resources to help guide your planning and prepare for potential challenges. See what you think!

Going the Distance: Traveling With a Loved One Who Has Dementia (An article from Next Avenue)

This read starts off by sharing the experience of the author who discovered that a simple one-night stay with her mother with dementia was anything but simple. She reveals what she learned, what she could have done better and how ‘finding the familiar’ and ‘simplifying the experience’ are key. A good & easy read!

Traveling: A Guide From The Alzheimer's Association

This resource offers tips for a calm traveling experience, general travel considerations, specifics for seeing family and friends, a section on air travel and even a bit on traveling alone. Very worthwhile!

Tips for Traveling With Dementia From The Alzheimer’s Foundation of America

This short but informative read starts off by addressing how to determine IF travel is even an option for your loved one and then lists 5 considerations for trip planning. At the end there is even access to a helpline for support on this topic and many others. Save this!

Dementia Travel: Support for the Family Caregiver (From The Ageless Traveler Podcast

Right from the podcast hosts: “Discover practical strategies for managing stress, navigating airports, and ensuring a smooth journey. Whether you're planning a trip with your loved one or seeking a much-needed respite, this episode is packed with insights to make your travel experience joyful and feasible.”

Travel Well with Dementia: Essential Tips to Enjoy the Journey (A highly recommended book on Amazon)

Written in 2019, this book addresses the stressors brought on by travel and shares strategies to adapt them for those living with dementia. Author Jan Dougherty, MS, RN, FAAN is a nurse leader, innovator, and noted dementia care expert.

We hope that the resources above offer insight and guidance if you have a loved one with dementia and are deciding if travel is an option, what to expect and how to mitigate stressors and responses. Do not forget about support, planning and care for yourself too!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: California Real Estate At-A-Glance

Thu, 12 Jun 2025 19:07:50 GMT

5 market highlights released last week!

The middle of June is here; that means that most students are out for the summer, most graduations have taken place… and most of us are in vacation mode (mentally if not physically!). While we all wish we could be at play this summer, life and work and (of course!) real estate go on.

To make mastering the housing news as easy as possible – we have taken the latest California Association of Realtors® Market Minute Write-Up and highlighted the key points in the graphic below.

We hope this summary offers a data-based perspective of what is happening in housing on a state level. While many media headlines offer a ‘doomsday’ perspective or may not even include data that pertains to where you live, our goal is to give you real facts and let you decide what it means for you. And if you need help – that is what we are here for!

 Want more data?

Read the CAR® Market Minute Write-Up HERE

See Data & Statistics (Monthly, Quarterly & Annually) HERE

Explore Infographics and Interactive Reports HERE

Cheers to a vacation state of heart and mind full of knowledge!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: NEW Heat Health Blog

Tue, 10 Jun 2025 18:38:07 GMT

A podcast plus how heat impacts aging!

It’s that time of year and as summer approaches we have one thing top of mind – heat safety for seniors! It’s no secret that medications, acute and chronic conditions and changing weather tolerance impact how our body responds to higher temperatures. As summer nears, we wanted to highlight staying healthy in the heat a little differently this year.

Every summer, we publish a blog on ‘ Staying Healthy In The Heat ’ and frequently talk about sun exposure and skin cancer .

This year we encourage you to revisit those blogs, but also to listen to a new podcast from AARP on ‘Smart Summer Tips for Older Adults.’ In a quick 5 minutes, you can learn 3 uncommon but very useful tips on staying cool in the heat!

BONUS Fact: Did you know that extreme heat speeds up aging? A new study published recently in the journal Science Advances , shows that “Ongoing exposure to heat over 80 degrees accelerates biological aging, which is how your body ages on the inside at the cellular level, regardless of how many birthdays you’ve had.” Read all about it in full HERE .

No matter how much sun you seek or where you live, we hope that keep heat health top of mind this summer!

Stay safe, cool and hopefully a little carefree!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: First, Break Some of the Rules…

Mon, 09 Jun 2025 18:29:40 GMT

Home design tips you may NOT want to follow!

There are countless design and organizing icons and home and garden channels that have changed the way we style our homes. Even staging a home is nearly required now as potential homeowners expect to see what they view on tv, YouTube and in magazines. But not every designer idea is a fit for every individual – so how can you update to modern standards AND still retain your individuality (and preserve ROI)?!

A recent article from Realtor.com® suggests the top design trends NOT to follow as exemplified by one staff writer. Here is our summary:

#1: Just say ‘no’ to the all-white kitchen. Implement color, contrast and character via lighting, hardware and fixtures.

#2: Don’t assume open concept is a must. One maybe good thing that came out of COVID was the acknowledgement that merged, open spaces are not always ideal for your sanity! Sometimes a cozy, closed off room is a better sanctuary. When designing a room, don’t think about open or closed concept; think about making defined and distinct spaces that fit your needs.

#3: You can still use ‘can’ lights. While many designers insist that can lights can ‘never be chic,’ they can be part of an overall lighting scheme. They may not be your only light or you most eye-catching element, but they do serve a purpose and that is valuable.

#4: Designers don’t let a tv dictate a room - but you should. Many experts advise to hide the tv or at least not center the room around it. But if you are striving for full functionality, why not? A solid layout should showcase how the room is actually used – even if it may look more stylish another way.

#5: Keep your color photos. Designers often insist that black and white wall galleries are dramatic and timeless. But is that what’s really important? A gallery wall of full-color, family photos evokes reality and authenticity far more than a two-tone tint you can find anywhere.

We hope these tips have helped you envision a balance of how to update your home and incorporate all that you love at the same time!

Read In Full: ‘I Ignored These Celebrity-Loved Design Tips When Renovating My Home—It’s Proof That Bowing To Trends Doesn’t Always Pay Off’

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Alzheimer’s & Brain Awareness Month

Tue, 03 Jun 2025 19:34:54 GMT

Learn 10 early signs + 10 ways to love your brain!

The Bobbi Decker Real Estate Team believes that there is nothing more important than your health! That is why our Senior Spotlights often feature health awareness topics related to the month we are in. Since June is Alzheimer’s & Brain Awareness Month, we wanted to share two ‘top 10’ lists related to this health matter that affects virtually all of us in one way or another. See 10 early signs of Alzheimer’s and dementia AND 10 ways to love your brain below!

From The Alzheimer’s Association: 10 Early Signs and Symptoms of Alzheimer's and Dementia

Read More: https://www.alz.org/alzheimers-dementia/10_signs (Be sure to click here to compare what is concerning vs. normal age-related changes!)

#1: Memory loss that disrupts daily life.

#2: Challenges in planning or solving problems.

#3: Difficulty completing familiar tasks.

#4: Confusion with time or place.

#5: Trouble understanding visual images and spatial relationships.

#6: New problems with words in speaking or writing.

#7: Misplacing things and losing the ability to retrace steps.

#8: Decreased or poor judgment.

#9: Withdrawal from work or social activities.

#10: Changes in mood and personality.

From AARP: Learn 10 Ways to Love Your Brain

#1: Break a sweat.

#2: Hit the books.

#3: Butt out (no smoking!).

#4: Follow your heart (watch risk factors for heart diseases & stroke).

#5: Protect your head from brain injury.

#6: Fuel up ‘right’ with a healthy & balanced diet.

#7: Get enough sleep.

#8: Take care of your mental health.

#9: Challenge and activate your mind.

#10: Stay socially engaged and pursue what is meaningful to you.

We hope that this June, you will join us in taking the awareness of Alzheimer’s and dementia to your heart as you consider the conditions that impact what we are experiencing in our heads. There are so many ways that cognitive decline and memory impact physical, social and emotional health that we cannot overstate the importance of knowing the signs and taking steps to help.

Please note the important resource below and share with anyone who may benefit.

24/7 Alzheimer’s & Dementia Helpline: https://www.alz.org/help-support/resources/helpline#

In case of emergency, always dial 9-1-1-.

Cheers to a new month,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Should You Use AI For Home Decorating?

Fri, 30 May 2025 18:18:55 GMT

Know the strengths and weaknesses of this game-changing tool.

Artificial Intelligence (AI) is considered one of the biggest technological game-changers of all time. With countless applications across virtually every industry and sector of business and personal life, AI is being increasingly used to solve problems, make decisions and identify patterns. But the two driving considerations behind reliance on AI are 1) How ethical is it? And 2) How accurate is it?

For the purposes of today’s topic inspired by the Real Simple read ‘Would You Trust AI to Decorate Your Home?’ , ethics are less of a concern, but accuracy is key! AI has the power to impact nearly everything we do – and today we are covering how it can help us design our homes. Given the cost of decorating, the complexities of returning furniture and big-ticket items that may not ‘fit’ and the need for visuals in decision-making – AI can be a powerful tool to refresh and redecorate. Can it really replace an interior designer? Is AI accurate enough to truly help you envision your new space? See where AI flies and where it flops below!

What AI Can Do In Home Design:

- Generate a wide range of styles & layouts from simple prompts

- Suggest optimal furniture arrangements

- Offer space-saving solutions and flow improvement

- Simulate changes – such as moving furniture, adding an area rug, adjusting lighting, previewing design elements in a room together

- Choosing a paint color (identifying by color & brand!)

- Budgeting and breaking down costs by product

Where AI Falls Short In Home Design:

- Showing you real life product recommendations (may give ideas that are unlinked to real products – leading you on a ‘wild goose chase’ to find a like-item

- Understanding design styles (blurring the design trends of farmhouse, mid-century modern, traditional, etc.)

- Providing a personal touch and adding your own personality into the design ideas generated

- Accounting for technical considerations such as materials performance and regulatory constraints (which may apply to permit projects and large-scale redesigns)

The bottom line is that AI can be immeasurably helpful in generating quick visuals, identifying the direction you want to go and narrowing down your options. But as in all things tech-driven, never let the innovation of technology replace the expertise and unrivaled insights of an actual human being.

Stay tuned… we have a feeling that AI will continue to impact all things related to home, real estate, lifestyle and beyond – and you know we will cover it!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Living With Less Clutter

Wed, 28 May 2025 19:29:46 GMT

Accumulate less, edit more. Here’s how…

Welcome back to the Bobbi Decker Senior Spotlight! You may know that one of the primary concerns older adults have is when & how to downsize… and what to do with all of that stuff! Over the years, we have featured dozens of tips, ideas and strategies as well as shared the support of senior move managers. But this week we wanted to take a more proactive approach and encourage you to not just clear clutter after the fact – but stop it before it starts!

This week, Next Avenue featured a read titled ‘How to Prevent Clutter From Piling Up for Good.’ Here are the top 5 tips for clearing as you go – rather than letting stuff pile up for years (or decades!).

#1: Make sure everything has a place to ‘live.’ Label containers and drawers so you know what you have already (to avoid buying duplicates!) and to put items where they should go (instead of on the counter or in a pile).

#2: Set up systems in your home that regularly manage quantity. Keep a set number of hangers in your closet (when full, it’s time to purge!). Another tip is to keep donation boxes in high traffic areas of your home so it’s easy to pop things in as you pass by.

#3: Edit often – and we are not talking grammar! ‘Editing’ should be done weekly and refers to the process of sorting high-clutter areas. Spend 10 minutes a week on the junk drawer, the pantry and the entry table deciding what to keep (and put items where they live) as well as recycle, dump and donate.

#4: Avoid overbuying. The easiest way to manage clutter is to not bring it home in the first place! Something on ‘sale’ isn’t a great deal if you were not planning on buying it to begin with. Focus on shopping in your own closets and cupboards to see what you have that you may have forgotten about!

#5: Keep eyes on everything in your home. Out of sight = out of mind. By keeping your eyes open to all closets, counter spaces and overlooked areas (like the garage!), you can better inventory what you use, what you have and what you no longer need.

We hope these tips have inspired you to not wait until you move to think about minimizing your stuff. Countless studies link less stuff to less stress. Science has found a direct link between clutter and cortisol (your primary stress hormone!). So, if you clean as you go now, you can not only save headaches later but enjoy more peace in the present. That is a true win-win!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Memorial Day: Honoring The Fallen In Peace & War

Fri, 23 May 2025 17:27:06 GMT

Never forget the ultimate sacrifice.

In our pursuit of life with gratitude, we consider Memorial Day one of the most coveted and important observances of the year. As a day of remembrance, reflection and recognition for all who have fallen for our country, we would like to personally acknowledge the bravery and sacrifice of those we honor this day. What so many have given is never lost on us and never taken for granted.

When we talk about Memorial Day, we tend to think of times of conflict. Yet the reality is that service members also lose their lives in times of peace. Military conflicts have resulted in the loss of over 600,000 members of the US armed forces since WWI. In addition, over 60,000 military personnel have lost their lives on active duty from 1980-2022. The bottom line is that as long as there are people serving and honoring our nation, there will always be those who make the ultimate sacrifice.

We hope that this weekend you can observe these brave and selfless individuals in a way that is meaningful to you. Visiting cemeteries, attending Memorial Day services in your community and flying the flag at half-staff from sunrise to noon are time-honored traditions. Your family may wish to share memories of your lost service members or visit the family of a fallen soldier.

Whatever you do, we thank you for sharing in our deepest respect and highest remembrance of all who have given their lives to this great country.

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Retirement Community Considerations

Wed, 21 May 2025 17:59:52 GMT

5 things to think about when looking at your options.

Did you know that 4 out of 10 retirees move after they stop working? Of these older adults, some decide that a retirement community is their next stop. But how do you know how much you can afford – and if the place will be a fit for the short- and long-term?

While there is no easy answer or single solution for everyone, we did want to provide 5 key things to consider if a retirement community may be an option for you in the present or future. The ideas below are inspired by a recent read on Next Avenue titled ‘How to Find an Affordable Retirement Community.’

#1. Compare your current living expenses to what your living expenses would be in a retirement community. Would you save on maintenance, property taxes and repairs? Are meals and activities included?

#2. Determine how you would pay for a senior community in the short- and long-term. Are you using funds from the sale of your home or drawing from 401k? Is there a large entrance fee (many CCRC – continuing care retirement communities – can have upfront fees of $200,000 or more)?

#3. Assess your risk tolerance in choosing a retirement community. Are you certain you are ready for this step and prepared to be financially locked in? Do you know what kind of lifestyle preferences are your priority and is there a place you can afford that has them?

#4. Consider using available resources to help you make your decision. There are consulting firms that specialize in helping families find the ideal senior community for their loved ones; one example is Silver Bridges Consulting . There is also a helpful website called MyLifeSite.com that provides educational articles, guides, and community-specific information to help you navigate the senior living decision process. Databases such as 55Places.com offer searches specific to age-restricted communities by location.

#5. Don’t underestimate the power of your social circle . If you are choosing a senior living community, consider how far you will be from your friends, family and support systems (such as churches, hobby groups, etc.). Just because a senior living community offers connections, this does not mean you will not need your tried-and-true village. Can you find a senior living facility that is still near to those who are dear to you?

We know that this topic is a BIG one, and that our considerations shared today are just the tip of the iceberg. We hope that as you weather your next stage of retirement, you are able to balance your wants and needs with your comfort and lifestyle, all within your budget. It’s no easy feat to make a move at this stage of life, but it can be worth it if well-planned out!

Cheers to living your best life,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Buyers: The Middle Income Issue

Thu, 15 May 2025 19:53:00 GMT

Inventory issues remain for middle income buyers.

Not all housing inventory is created equal. You may have seen in the news that the number of homes listed for sale across the nation has risen compared to this time last year. But that surge is not universal or consistent across regions or within income brackets.

How Much Has Supply Grown?

Earlier this month, Realtor.com® reported that the number of homes actively listed for sale was up 31% in April 2025 compared to April 2024. (Note this is still 16% lower than pre-pandemic levels.) Last month marked the 18 ^th consecutive month for housing supply growth – marking a new post-pandemic high across the nation. Total sale inventory (which includes listings plus homes in contract) increased 20% year-over-year as well.

What Does This Mean For Middle Income Buyers?

While overall supply may be up, a shortage of homes for middle income buyers remains. A new report from Realtor.com® reveals that “millions of middle-class homebuyers still face a significant shortage of homes in their price range.” Households that earn $75,000 per year can afford just 21% of the nationwide listings, a figure that would have been 49% of listings in 2019. Furthermore, out of the 100 largest metros in the country – the only two metros that even have enough supply at a mid-income price point are Akron and Youngstown, Ohio! Households that earn $100,000 per year can afford 37% of national home listings, a figure that would have been 65% in 2019.

In a balanced market, buyers who earn $75,000 per year should be able to afford 48% of all homes for sale in the US, while those earning $100,000 should be able to afford 61% of the homes for sale in the US.

Realtor.com® reports that meeting demand for those earning $75,000 a year would mean adding 416,000 additional homes priced below $260,000. For those making $100,000 a year - the market would need an additional 364,000 home listings priced below $340,000 to meet demand from buyers in this income group.

To read more about market supply and affordability in the present and over time, please read the article from Realtor.com® in full here .

Have a great week,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Sunbelt Isn’t For Everyone

Thu, 15 May 2025 18:43:35 GMT

See why mid-west migration is growing in popularity.

When people think of moving during retirement, the Sunbelt states come to mind. While warmer weather and coastal access (in some locations) are big draws, they are not the most important features for retirees anymore. Several recent reports indicate that while the Sunbelt is still hot (pun intended!) migration there is actually slowing – and the Midwest is becoming more attractive!

The Sunbelt Slowdown

The slowing pace of migration to the Sunbelt is likely caused by several factors, the primary being affordability. Business Insider® reports that “Home prices and rents have risen dramatically in many Southern and Sunbelt communities, particularly as the regions have welcomed a spike of new residents in the years since the pandemic.” In addition, the Sunbelt is being impacted by extreme heat, hurricanes, droughts and wildfires. The overall trend is that population growth is slowing in the warmest places in the nation, while the population is growing in the coldest places.

The Midwest Draw

According to Business Insider® , those who have traded their Sunbelt location for a Midwest retirement love that “their new home offers an affordable cost of living, a high quality of life, and something of a safe haven from the worst impacts of climate change.” In a 2024 report from Go Banking, the Midwestern states of North Dakota and Indiana made the top 10 retirement list on account of factors such as cost of living, home values, tax rates, crime rates plus beautiful scenery and access to quality healthcare.

One more draw of a Midwest retirement - your adult kids may follow and stay. One couple mentioned in the Business Insider® article shared that their two oldest children bought their own homes and settled down in Indiana near them – due to affordability and quality of life.

Would you ever consider a Midwest retirement? Does the Sunbelt sound like a better fit for you? We always say that no one retirement is right for everyone – so we hope this data has given you some insights into what features you can find in which locations.

Cheers to living – and even recreating – your best life,

Bobbi

Resources Used:

- It's the Midwest's time to shine: Baby boomers explain why they left the Sunbelt and moved back north

- Where Americans Are Moving Daily: Sunbelt Still Hot, But Migration Is Slowing

- 6 Things To Know Before Retiring in These Midwestern States

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Personal Finances & Positive Cash Flow

Mon, 12 May 2025 19:11:19 GMT

7 tips from Yahoo! Finance.

Welcome back readers! May is nearly halfway through, and many are counting down until the end of school, graduations and summer vacations. If you have been noticing that not only is your fun fund lacking, but your essential budget isn’t stretching as far as it used to – you are not alone. That’s why we wanted to share a recent read with you from Yahoo! Finance titled ‘7 ways to improve your personal cash flow.’

We have listed the 7 strategies to ‘keep your budget in the black’ below, and wanted to point out that you don’t have to do them all. In a perfect world, we would all be able to implement all of these ideas and create a positive, personal cash flow ASAP. Yet that is far easier said than done, so see our ideas below for 2-4 tips you can try right away.

For details on each of these 7 ways to increase cash flow above, be sure to read the Yahoo! Finance article in full here . If you want our quick and easy tips to try before you do that, we suggest:

- Start by calculating your current cash flow (net income minus expenses) and identify your discretionary spending amount.

- Review your debts and determine which one has the highest interest rate (any extra funds should go here!).

- Brainstorm the ‘lowest hanging fruit’ of cost savings. Could you eat out less? Cancel 2 of 5 tv streaming services? Find a cheaper cell phone plan?

- Set up an automatic transfer from your checking account to your savings each month – no matter how small!

We hope that just a few small steps can help you feel better about your cash flow each month. Please note that this article is for informational purposes only and should not be considered financial advice. Be sure to chat with your financial advisor, tax professional and other members of your trusted wealth and personal finance team.

Happy May,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: May Health Awareness

Thu, 08 May 2025 19:57:20 GMT

5 key health awareness topics to note this month!

If you follow our blog, then you know that our Senior Spotlight often features a key health awareness topic that we feel is of utmost importance for senior health and well-being. As we prepared our research for May, we realized that there was not simply one or two important awareness issues – but far more! See all May Health Awareness topics here – and note that we have identified our key 5 with links to more information below.

Arthritis Awareness Month: Did you know that arthritis is the #1 leading cause of disability in the United States? It affects 1 in 4 adults and hundreds of thousands of children in the US. Find all the facts plus invaluable podcasts, webinars and e-books online via the Arthritis Foundation .

High Blood Pressure Education Month: Over 70% of those aged 60 and older have high blood pressure. With May also being High Blood Pressure Education Month, be sure to visit the NIH education page which features fact sheets and resources related to measuring blood pressure, what to ask your doctor, plus the critical link to heart disease and resources to help .

Mental Health Awareness Month: It’s no coincidence that Mental Health and Older Americans Month are both in May. The American Society On Aging urges us all to learn about older adult mental health so that we can be aware of the signs and appropriate ways to offer support and assistance. Learn more here .

American Stroke Month: Up to 80% of strokes can be prevented. In honor of American Stroke Month, learn how to act F.A.S.T., see the NEW Heart & Stroke Helper® App and view countless resources from the American Heart Association here .

Skin Cancer Awareness Month: Cumulative UV exposure puts older adults at higher risk of diagnosis and death from skin cancer. As we gear up for summer, please be sure to read about how to protect yourself from one of the most preventable cancers in existence. Protecting and checking your skin are two key ways to save lives; please read more from the Skin Cancer Foundation here .

The Bobbi Decker Team believes that you can live longer & live better when you know how to optimize your well-being. Cheers to living your healthiest and best life today and every day!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Have You Seen State-By-State Report Cards?

Thu, 01 May 2025 18:27:07 GMT

The top (and bottom!) grades are in for affordability & homebuilding!

With students back from spring break and the school year drawing to a close in just 6 weeks… grades have been top of mind for many families. But did you know that there is a new nationwide report card that has nothing to do with schools and everything to do with housing? It’s true, last week Realtor.com®’s economic research team released a new national housing report card grading each state’s response to the housing crisis.

Only 13 grades of “A” and ‘B’ were assigned, and all of those were to states in the South or Midwest. The seven ‘F’ grades handed out were all in the West and Northeast – places where prices tend to be higher and land zoning regulations are stricter.

Below you will find a graphic from Realtor.com® that lists the 10 best states for homebuilding and affordability.

Notably, California is absent from this list and actually ranks as one of the lowest states for affordability and new builds. We do not share this to discourage you (I mean – we live here too!), but to keep up with the spirit of why this report card was created in the first place – to keep the conversation going about affordability issues and inventory challenges. The United States is currently facing a gap in supply of 4 million homes. If we do not talk about the status of where we are at, we are less equipped and empowered to do something about it.

To learn more about the new report card including the criteria used in determining affordability and homebuilding levels, please read the article ‘Affordability and Homebuilding: State-by-State Report Cards’ HERE .

May you stay informed & inspired,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Generational Home Buying & Selling Trends

Thu, 01 May 2025 17:47:56 GMT

Here are 7 things Baby Boomers are doing in real estate right now.

Did you know that since 2013, the National Association of REALTORS® has compiled data and published The Home Buyers and Sellers Generational Trends Report? You can find the 2025 edition in full HERE , and a detailed overview on the NAR® website HERE .

For the purposes of our Senior Spotlight, we wanted to share 7 key statistics that delineate the general trends of how many older adults are buying and selling and why.

#1: Younger Boomers (aged 60-69) represented 26% of recent buyers, while older Boomers (aged 70-78) represented 16% of recent buyers. This means that Baby Boomers make up 42% of buyers as a whole.

#2: Primary reasons for buying are to move closer to family and friends and to downsize .

#3: Younger Boomers are more likely to purchase in a small town, while older Boomers preferred to purchase in a suburb or subdivision.

#4: Baby Boomers make up the largest share of sellers at 53%.

#5: Sellers 79 to 99 years were most likely to downsize in the size of their home.

#6: Older boomers typically owned their homes for 16 years before selling.

#7: Half of older boomers and 40% of younger boomers are purchasing homes entirely with cash.

BONUS Info: Did you know that multigenerational living in growing in popularity? Last year 14% of buyers purchased multigenerational homes; this year that figure is 17%.

We hope you enjoyed learning about the ways in which older adults impact the real estate market, and how their lifestyle choice shape their buying and selling decisions. May you know that the challenges of where to live and what size home to maintain are deeply personal choices and faced by us all.

Sending you solidarity and wishing you support as you decide how to live your best life, right now and in the years to come!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: SAMCAR Latest Infographics

Sun, 27 Apr 2025 20:26:31 GMT

March 2025 + Q1 Stats Are In

Greetings Readers! Can you believe that we are halfway through Spring already? With 2025 flying by so quickly, we wanted to take this chance to share the latest data from the San Mateo County Association of Realtors® with regards to sales data for Quarter 1 2025 and last month.

Quarter 1 2025: As you can see, prices are up 5% year-over-year for both single family homes and townhomes. Days on market is noticeably shorter this year, while closed sales are up 3% for single family homes and down 8% for condos and townhomes.

March 2025: The latest available monthly data is for last month and the most notable increase is the pace of condo sales. While the quarterly sales average was lower (likely due in large part to the pause in January/February that happens in an election year), the March closed sales for condos surged 20% year-over-year!

You can access all of the #SAMCARStats here; as always feel free to reach out at any time if you have questions about how this data applies to you, the possibilities for your home and your plans.

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Resilience During Retirement

Thu, 24 Apr 2025 20:12:10 GMT

You already have more than you think!

A recent article in Next Avenue declares that “No one reaches retirement age without resilience ─ the ability to overcome challenges while maintaining a positive outlook.” The Bobbi Decker Real Estate team agrees! Today our Senior Spotlight is focused on a key capacity that can improve our quality of life and has been proven to increase with age: resilience.

The American Psychological Association (APA) defines resilience as “the process of adapting well in the face of adversity, trauma, tragedy, threats, or significant sources of stress,” or “bouncing back” from difficult experiences. One of the greatest things about resilience is that we all have the capacity to improve our resilience if we choose to do so. Plus, countless studies have proven that psychological resilience increases as we age, and one study even linked high resilience rates to people living to the age of 100 and beyond!

The benefits of resilience in older adulthood are virtually immeasurable. Resilience has been proven to help seniors adapt to the changes of retirement, the loss of loved ones, the ability to adapt to the physical limitations of aging, find new meaning in life, manage chronic health conditions and achieve better physical and mental health. But how do we maximize our resilience levels so that these benefits can be seen?!

The Next Avenue article we referenced above lists 7 ways to stay resilient (you can read them in full HERE ): 1) Take action; 2) Seek & provide support; 3) Stay connected; 4) Preserve hope; 5) Maintain humor; 6) Do hard things & 7) Build physical strength & stamina.

Similarly, Board Certified Clinical Psychologist & Clinical Geropsychologist Regina Koepp adds these ways to build resilience: becoming active in the community, maintaining hopefulness, intentionally developing strong coping skills, cultivating optimism (think gratitude journals!), and embracing positive thinking and emotions.

While staying and building resilience is easier said than done, it is no doubt one of the most powerful and malleable ways we can cope with the changes of aging. The benefits are virtually endless, and the gift of many years behind us has created the experiences that serve as the foundation of our resilience springboard. Aim high!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Remodeling Reasons

Mon, 21 Apr 2025 19:11:31 GMT

Happiness vs. ROI

You have no doubt heard about the famous organizer who encourages people to consider if an item ‘sparks joy’ when deciding what to keep or give away. A recent article from Realtor.com® encourages homeowners to apply the same philosophy when thinking about a remodeling project.

In ‘Upgrade Your Kitchen To Boost Your Joy and Your Home Value at the Same Time’ , experts discuss that many homeowners “are laser-focused on return on investment (ROI).” Yet the reality is that there are few (if any!) home renovations that actually provide a true dollar-for-dollar ROI. While certain improvements may attract more buyers or add perspective to the overall condition of the home, in general the "70% rule" applies.

- A very general guideline is that renovations add a return of 70% of your initial investment.

- Thumbtack research reports that a well-maintained home can sell for 10% more than a similar home in average condition.

- For a map of statewide averages on ROI vs. cost on various projects, check out JLC’s 2024 Cost vs Value Report .

While thinking about ROI is wise, Jessica Lautz (Deputy Chief Economist and VP of Research with NAR®) reveals that “Homeowners undertake remodeling projects for numerous reasons, but what remains intriguing is the disparity between the joy experienced post-remodel and the actual cost recovery.” Those looking for a home improvement project that returns in equal parts investment and enjoyment should absolutely look at the heart of the home: the kitchen!

The NAR® 2025 Remodeling Impact Report verifies that not only is a kitchen a space used multiple times per day, but it is a space of the home that is in high demand. In the last 2 years, nearly 50% of Realtors® report that they have seen an increased demand for kitchen upgrades. In fact, 30% of agents recommend completing a kitchen remodel before listing a home. The return on investment of an updated kitchen is about 60% (for both major and minor projects) – yet the rewards don’t stop there.

Homeowners report several enjoyment-based outcomes from a kitchen remodel, outcomes that they enjoy everyday! The NAR® report identifies these as improved functionality and livability, durable and long-lasting results, materials and appliances plus enhanced beauty and aesthetics.

While it may seem too good to be true to have it all – maximum ROI and greatest enjoyment - experts say it is possible. A well-thought out and strategic project will account for what buyers are likely to want in the future, and what you will enjoy living with today. For a kitchen, that usually means top priorities are function, flow, storage and timeless updates with neutral finishes.

We encourage you to consider applying the combination of ROI and joy to not just a kitchen remodel, but to any area you improve in your home or garden. After all, the best things in life are all about balance!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Happy Easter From Bobbi Decker

Thu, 17 Apr 2025 18:57:26 GMT

May we lead with gentleness this season!

Hello Readers!

I cannot believe that April is more than halfway behind us, and that Easter weekend is here. As a celebration that can be spiritual to many, I also find this an ideal time of reflection to check into our own belief systems and values. So often we see other holiday times of year as the ‘season of giving’, but what I love about Spring is the spirit of reflection. I encourage us all to take some time to reflect on the values and beliefs that we carry with us each day, and how that leaves a mark in our community and in the people around us (those we know, but moreover, those we don’t).

What do you value about how you reach out into the world? What footprints do you leave each day in making the world a kinder and gentler place? How does someone feel when you walk away?

While this may seem overwhelming, I encourage you to think about the small gestures you can do that make a big impact. You don’t have to start a charitable foundation or give a life-changing speech. You can simply open a door for someone whose hands are full. You can smile at someone who appears lonely. You can thank a community worker for their service. You can reach out to an old friend to say you are thinking of them.

May this weekend be a reminder to us all to live with gentleness, kindness and connection. The beauty in life may be found in not only what we choose to do, but how we react to what happens to us and how we give to those around us.

In that spirit I wish you a renewed spirit and a rekindled faith in the power of connection. We all need it!

Happy Easter!

Bobbi

Bobbi Decker
DRE#00607999

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/

Monday Market Update: How The Pros Prepare For Spring

Sun, 13 Apr 2025 22:46:20 GMT

Home refresh tips from cleaners, organizers & decorators!

Spring is truly in the air, flowers are blooming and the patio furniture is about to come out (if it isn’t out already!). Many homeowners find this season to be one of the best times of year to refresh and re-energize their interior and exterior spaces. In that theme, we wanted to summarize the tips from a recent Real Simple article titled ‘ We Asked a Pro Cleaner, Organizer, and Decorator How They Get Their Houses Ready for Spring.’ Enjoy!

When we think of spring cleaning, we often think of mass donation bags and trash hauls, right? But truly, spring ‘cleaning’ is a combination of the actual tasks of cleaning plus organizing and decorating. Therefore it makes complete sense why Real Simple organized the tips from professionals in these 3 areas.

What Professional Cleaners Say

There are many home cleaning tasks that you tackle daily and weekly – vacuuming, dusting, mopping, etc. But spring cleaning is more indicative of the duties that often go by the wayside.

#1: Cleaning out the bathroom cabinets. This is when you toss out the expired sunscreen (and really any expired medications and lotions/soaps), plus any products that have not been used in the last year. This is also an ideal time to take stock of band-aids, bug repellant and allergy medications.

#2: Window washing. Rain, dirt and dust have no doubt left a layer of film and spots on your windows – in a time of year when there is much to be seen. Please consider enlisting the help of a professional window washer if you have a two-story home – safety should always come first!

#3: Swap bedding. ‘Tis the season to wash and store the heavy blankets and flannel sheets, and get out the lighter, layered linens! Lighter fabrics often evoke a desire for lighter tones and natural hues with regards to color too!

What Professional Organizers Say

While in a perfect world, home organization is an ongoing task, spring is really when we find our groove as after we clean – we strive to organize!

#1: Focus on high-clutter areas. Not all messy spaces are created equal, right? We all have that one ‘drop zone’ by the front door, the ultimate kitchen junk drawer or overflowing hall closet that is in greatest need. Start there. The rest will seem a bit easier after that! ��

#2: Say ‘see ya later’ to rain & snow gear. Heavy coats, clunky boots and stacks of scarves and gloves take up a lot of physical space. This is a great time to give away what warm layers you did not use or do not fit, and organize the most-used, out-of-season items in clear, labeled bins in your garage or attic. Out of sight and out of mind also means out of the space you need for flip-flops and cooler clothes!

#3: Focus on function. It’s not always about what you are organizing – but HOW. The types of bins, baskets and even furniture can make a huge difference in how accessible and searchable your closets and dressers are.

What Professional Designers Say

Decorating often comes last in the spring-cleaning process – but it makes a first impression to those who walk through your yard and in your front door. Here is how decorators and designers suggest you help your home sing spring…

#1: Bring the outdoors in. Refresh those indoor plants, put some wildflowers in vases and add in some seasonal candles. Evoke the smells and textures of spring in tiny touches all around.

#2: Take a big look at the little knick-knacks. Chances are you have some little décor pieces and touches that aren’t making a big impact for spring. Less can be more so experts say to only leave out ‘tchotchkes’ that inspire joy and remove those that take up space without bringing you anything in return.

#3: Re-arrange furniture. Using what you have in a new layout is one the most impactful and most affordable ways to bring about a fresh look. Try a different set-up of your living room and/or bedroom furniture and consider swapping artwork among the rooms in your home.

Well, what do you think? Does your spring home refresh feels fabulous with these tips from professional cleaners, organizers and designers? We sure hope so – and know that these tips are inspiring us too!

Cheers to feeling renewed and ready for spring,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Brain Health Beyond MRIs

Thu, 10 Apr 2025 18:02:49 GMT

The most powerful tools for brain health aren’t always in hospitals.

Welcome back to our Senior Spotlight today as we dive into a brand-new topic to our blog – the impact of community & connection on brain health! Most of us think of brain health as something out of our control, and that a decline in cognitive functioning is going to happen regardless of the choices we make. Most people also think of brain health as a very medical term, measured by neurologists via MRIs and cognitive tests.

However, a recent read on Next Avenue challenges us to see brain health as community based. And here’s why: brain health has emerged as a top health priority given that 1 in 3 people worldwide are impacted by a neurological condition. Plus, with over 73 million Americans over age 65 by the year 2030, understanding and managing brain health is essential for our health care systems, families and communities.

At the core of maintaining our cognitive functioning is the awareness that we DO have control over this aspect of aging. As stated in ‘Brain Health Begins in the Community’ , research “increasingly shows that brain health is built and maintained through daily activities and community support systems.” According to a report published by the Area Agencies on Aging (AAAs) , the support systems that maintain brain health and reduce cognitive decline are:

- Social connections (group activities, volunteer opportunities, social engagement programs)

- Lifelong learning (learning anything new builds neural connections and supports cognitive reserves)

- Stress reduction (chronic stress accelerates cognitive decline; care coordination, case management and benefits counseling can reduce stress)

- Nutrition support (what we eat truly affects how we think – healthy choices matter)

BONUS TIP: The more you talk – the better your brain health! A new report published in Scientific Reports found that older adults who talk more throughout their day tend to perform better on tests of cognitive ability—particularly working memory, processing speed, and semantic fluency. Read more here .

What does all of this mean for you? If you want to help support your own brain health and that of your loved ones, consider how the activities and community supports above can be incorporated into your lifestyle. Look into programs and opportunities for seniors at your local community centers, county programs and within your own local area on aging .

Cheers to building brain health through community & connection,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: See The 10 Healthiest Cities In The US

Sun, 06 Apr 2025 19:48:58 GMT

Explore where the healthiest cities are & what defines them!

If you know our team, then you know that we believe health is the #1 priority of any lifestyle. If we do not have our health, we cannot have or enjoy anything else in life. Period. That’s why this recent read on Realtor.com® on ‘The 10 Healthiest—and Unhealthiest—Cities in the U.S.’ is so critical for us to share with you.

The article is a summary of a new study released by the personal finance website WalletHub. According to Realtor.com®, “WalletHub compared 182 of the most densely populated U.S. cities across four key categories: health care, food, fitness, and green space. These categories were then assessed using 41 indicators, including the premature death rate, cost of a medical visit, farmers markets per capita, healthy restaurants per capita, average cost of fitness club membership, parkland acres per capita, and quality of parks, among other factors.”

Before we reveal the healthiest cities, note that the unhealthiest cities had a few things in common. The 10 unhealthiest cities in the nation all reside in the South and Southwest, largely due to the worst scores in the food and fitness categories. Lack of access to nutritious food and to open space parks caused these cities to rank least healthy: Gulfport, MS; Shreveport, LA; Columbus, GA; and Laredo, TX. The latter two account for the worst health care scores in the nation.

Now the good news! See the ranking of the 10 healthiest cities in the country below; note that San Francisco is #1 and a total of 3 Golden State cities are on the list! San Francisco holds the record for the second lowest share of obese adults in the US, plus has a high consumption of fruits and vegetables. The city of San Francisco also spends more per capita on parks and metros than nearly all other major metros, is considered a highly walkable and bikeable area and has the healthiest restaurants per capita.

As huge fans of the island life, we also want to point out that Honolulu is cited as the #2 city for physical health and stands out as a fabulous city for mental health. Beach therapy anyone? Notable wellness indicators are the city’s number of farmers markets per capita, the most hiking trails and the highest levels of insurance coverage, 95% and 98% for the town’s adults and children respectively.

Did any of the cities on the list surprise you? Are there any cities you expected to be ranked in terms of top health? As always, your feedback is welcome & appreciated!

Cheers to the most important part of life – your health,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: April Is Parkinson’s Awareness Month

Wed, 02 Apr 2025 18:10:49 GMT

It is critical to know that the risk of Parkinson’s increases with age.

April is here and you know what that means… new health awareness topics have come to light! This is Parkinson’s Awareness Month, and while we often hear that most diseases do not care what age you are – Parkinson’s disease (PD) has a clear pattern. The risk of Parkinson’s disease (PD) increases with age, typically starting around age 50 or older. The average age of onset is 70-years old. Given the age-related nature of this disease, we felt this was a key topic to cover for our first Senior Spotlight in April.

How Common Is PD?

- The primary risk factor for PD is age.

- Nearly one million people in the U.S. are living with Parkinson's disease (PD). This number is expected to rise to 1.2 million by 2030.

- Parkinson's is the second-most common neurodegenerative disease after Alzheimer's disease.

- Nearly 90,000 people in the U.S. are diagnosed with PD each year.

- PD incidence estimates increase with age in the 65+ range.

- The increase in the incidence of PD aligns with the growth of an aging population.

- More than 10 million people worldwide are living with PD.

- The incidence of PD increases with age, but an estimated four percent of people with PD are diagnosed before age 50.

- Men are 1.5 times more likely to have Parkinson's disease than women.

One of the key aspects of supporting those with PD is to know the signs in the first place. Below is a helpful infographic from the Parkinson’s Foundation summarizing the ’10 Early Signs of Parkinson’s’ .

If you know someone with PD, want to learn more about disease management, treatment and/or research, please visit this key resource page from the Parkinson’s Foundation. Other helpful information can be found at the Mayo Clinic , the Michael J. Fox Foundation and the National Institute on Aging .

As always with any health-related concerns, please be sure to speak to your primary care provider and health care team about any symptoms you are experiencing, any questions you have and any risk factors to be aware of.

Wishing you an April that is healthy & happy,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: San Mateo County 12-Month Comparison

Mon, 31 Mar 2025 18:58:38 GMT

February 2024 v. February 2025 stats are here!

Can you believe that quarter one of 2025 is drawing to a close? Recent data from the California Association of Realtors (CAR)® reveals that sales of existing homes in our state have reached a 2-year high. Closed sales jumped 12% from January to February and represented the highest number of homes sold in 28 months. The Bay Area News Group has reported that housing inventory levels have reached their highest level in two years, up 52% year-over-year across the state last month!

But… what does this mean for you? With real estate supply and demand being very local, we want to always encourage our homeowners and prospective home buyers to look at the data in their micro markets. For this month, we wanted to show the year-over-year trends in San Mateo County, and have created this chart comparing 4 key metrics in February 2024 vs. February 2025 .

As you can see, inventory levels in San Mateo County remain historically low, despite state levels setting records. Also note that the days on market is nearly a week less, and that the percentage of list price received is higher than last year. These statistics would indicate that homes are moving faster and that multiple offers are still driving up prices. Bottom line: the demand for homes in San Mateo County has not stopped nor slowed!

We hope that this week’s blog provided some important data on trends in one of Silicon Valley’s most in-demand markets today, and revealed that statewide and nationwide trends can differ greatly from what we see in our own backyard!

Cheers to a great start to April!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Push & Pull of Property Taxes

Wed, 26 Mar 2025 17:46:09 GMT

Here’s 5 things to know about how property tax rates are impacting retirees.

Did you know that nationwide, property taxes are 30% higher than they were during the pandemic? In a recent article featuring data from both Redfin & John Burns Research & Consulting (JBREC), it was revealed that property taxes have surged in in nearly every U.S. metropolitan area between 2019 and 2024. Rising home prices which provide the basis of the calculation coupled with the tax rate percentage have also created rising costs.

For retirees on a fixed income, high property tax rates can be a deal breaker when it comes to where to live. Here are 5 important data points with regards to property tax rates & retirement.

#1: Homeowners pay the highest property tax rates on the East Coast, particularly in New York, New Jersey, and Pennsylvania (property tax rates are between 1.75-2% of a home’s value).

#2: The Midwest ranked 2nd for the nation’s highest property tax rates, with Illinois also having a property tax rates of 1.75-2%.

#3: The West and South generally have the nation’s lowest property tax rates, typically 1% or less. The exception is Texas who has property tax rates of 1-1.5%.

#4: In corroborating property tax rates with migration trends of those aged 65 and older, reports found that states with lower property taxes were attracting the highest number of out-of-state newcomers. Nevada, Delaware and Arizona have low property tax rates and welcomed the most out-of-state newcomers aged 65+ in 2023.

#5: While California has a low property tax rate, the high home prices tend to motivate out-of-state moves. 36% of Nevada’s residents from out-of-state came from California. This follows the pattern that when people move for lower property taxes or home prices, they generally make a close move within the same region.

We encourage you to view the map of color-coded property tax rates from John Burns Research & Consulting (JBREC) here .

We hope you found this Senior Spotlight interesting & informative! If you ever consider an out-of-state move in retirement or otherwise, please be sure to understand what the property taxes would be in your new area and how much room there is for them to rise!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Is Empty Land A Pitfall or Windfall?

Sun, 23 Mar 2025 22:10:35 GMT

Rural land is cheap for a reason… but can present an opportunity.

“Buy land, they're not making it anymore.” (Mark Twain)

No truer words may have ever been spoken. You have heard us talk about homes, and homes with land, but one area we have not touched on at large is rural land. While we generally write about topics for education and information, this topic is such a broad one that we are going to call it inspiration! Based on an article on Realtor.com® titled ‘I Own 155 Acres of California Desert—What You Need To Know About Buying Up Rural Land,’ we wanted to list a few ideas of what rural land can be used for.

We call this inspiration and not information because any one of these ideas would take a tremendous amount of analysis and research to come to fruition. In addition, like any investment real estate or otherwise, there are risks of market changes and plus somethings highly applicable for this topic – the impact of climate changes and weather patterns (if farming or ranching especially).

Our hope here is to share something new to you about a commodity that will always be needed and never be replicated land. Did you know about these 6 potential things you can do with empty land?

#1: Build a dream home.

#2: Retire to the ranch life.

#3: Sell it back at a future date for a profit.

#4: Rent the property out to Hollywood (Los Angeles movie scouts are often looking for land!).

#5: Market flat land to battery farm companies looking to install large-scale storage facilities for electricals energy. Note that certain proximity to transmission lines or step-down transformers is key.

#6: Adopt the ranching or farming life.

Additional ideas suggested by other resources include: creating an adventure attraction (zip lining, dirt biking area, shooting ranges, paintball arenas, etc.), designing an event space, or using a scenic space as a campground or spiritual retreat.

Note that the biggest consideration (although there are many!) is the zoning classifications that apply to the parcel of land you are interested in. Zoning will dictate not only the structure types that can be built, but uses and activities as well.

We encourage anyone interested in land ownership to perform their utmost due diligence with the most knowledgeable and reputable resources. Large opportunities often come with large risks, and building your knowledge base is key to deciding if the potential rewards of the investment are worth your time, energy and resources.

Have a great week,

Bobbi

Resources Used: ‘I Own 155 Acres of California Desert—What You Need To Know About Buying Up Rural Land’ ; 15 Business Opportunities for Vacant Land of All Types ; Zoning: What It Is, How It Works, and Classification Examples

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Bright Sides of Aging

Wed, 19 Mar 2025 18:02:34 GMT

Living longer really can mean living better.

When we think of aging, many of the connotations are sadly not positive. We think of declining health, decisions about downsizing, fears of losing one’s purpose and costs of living. But while those challenges can be real and founded, there are also benefits to aging, to having freedom and to experiencing a different season of life!

This week we wanted to share three articles from Next Avenue that affirm some real and inspiring aspects of living your best life over time. These reads might just get you thinking about what if the best is yet to come…

Retirement Can Involve More Transitions Than We Expect

“To a growing number of older adults, their later years are the opening of new chapters rather than the closing of a book.” This read revisits how the Next Avenue website was launched in 2012 amidst a grassroots movement of seeing retirement as reimagining possibilities and opportunities. That trend is strengthening as the article reveals that 2/3 of older adults now view retirement as a time to pursue new ambitions and navigate their next step. While this period of transition is not always easy, it can be extremely rewarding if you intentionally embark on the process to discovery. Read about making your value statement and producing 5 power adjectives here .

How Aging Might Encourage Altruism

You have heard us talk about kindness and generosity on our blog in the past, so we were excited to see a read about this ion the present. As a disruption to the subjective view of older adults as cranky and set in their ways, this article shares research that found older adults display more prosocial behavior and act more in alignment with leaving a legacy to be proud of. Learn more about what windows of aging demonstrate the most altruism and possibilities why here .

Turning Retirement on Its Head

Similar to the first read we shared on retirement transitions serving as a pathway to a new purpose, this read is specific to the establishment of second careers. Unretirement is being increasingly driven by personal fulfillment, and not just financial need. If your first career felt like work, it just might be time to try a job that feels like you are not working another day in your life! Stories of architects to chocolatiers, surgeon to photographer and business manager to wellness consultant just might get you thinking. Get inspired here .

We hope that as the years in your life pass, there is a sense of those years bringing you more and not less . More meaning. More intention. More discovery. More joy. More of who you are and what you want your next act to be!

Cheers to living longer & better,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 5 Facts About Women Homebuyers

Mon, 17 Mar 2025 19:05:45 GMT

5 facts about women & homes past, present & future!

March is Women’s History Month, and new data has been released that shows how women are making history in housing today! Ever since 1981, the National Association of Realtors (NAR)® started releasing the Profile of Home Buyers and Sellers and one finding has been consistent: single women have outpaced single men in terms of homeownership every year since then.

Here are 5 more facts about women & housing that just might surprise you, inspire you or both!

#1: Women could not legally obtain a mortgage without a cosigner until 1974.

#2: In the first NAR® Profile of Home Buyers and Sellers Report in 1981, 11% of home buyers were single women and 10% were single men (73% were married couples).

#3: According to the most recent NAR® Profile of Home Buyers and Sellers Report today, 20% of home buyers are single women, 8% are single men (63% are married couples).

#4: Women still have lower household incomes then men – yet are surpassing all odds as their home ownership rates continue to rise despite an increasingly unaffordable market.

#5: Among first-time buyers, 24% are single women while 11% are single men and 50% are married couples.

BONUS Fact: Among single women buyers, 16% have children under 18 living in the home and 14% cite having a multi-generational home (these rates are both higher for single women than men).

To read more about women & home ownership, please check out these reads from NAR® : Just the Facts, Ma'am: Single Women Home Buyers Since 1981 , Highlights From the Profile of Home Buyers and Sellers

Have a great week!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: A Glimpse Into Social Workers For Seniors

Wed, 12 Mar 2025 18:08:51 GMT

In honor of National Social Work Month!

Did you know that March is National Social Work Month ? You may know social work is a profession defined by dedication to helping others improve their lives. Did you know that social workers can play a key role in helping older adults as they age, and that there is a field of social work focused on geriatric case management?

We first covered this topic on our blog about 6 months ago, and today we are re-publishing this information with updates for 2025 in honor of National Social Work Month.

One Family's Story

Last fall, Next Avenue published an article titled ‘Help All Around: Social Workers Play Crucial Role in Our Well-Being’ which summarized how “the primary focus of social work is enhancing the psychosocial, emotional and behavioral well-being of individuals, families and groups.” The article provided a relatable example of how a social worker guided a woman with a broken hip as well as her daughter and medical team to manage multiple medical conditions and care options, ultimately leading to some tough decisions about quality of life and comfort care. While the outcome could not be changed, the adult daughter of the patient described the social worker’s support as validating, compassionate and supportive. This sounds like something we all need when walking the hardest roads in life.

How To Find A Geriatric Social Worker

But how common are geriatric social workers? How do you find one? There are nearly 140,000 geriatric social workers in the United States, and this field is ranked as one of the top 20 careers in terms of growth potential by the John A. Hartford Foundation . Approximately 85% of geriatric social workers are women, while 15% are men. 77% of geriatric social workers are more likely to work at private companies, while fewer work for government agencies.

To find one in your area, start by checking with your local city or county area on aging. You may also wish to search online at the Aging Life Care Association in which you can search by zip code for different types of life care experts. You may also try the Eldercare Locator , the California Department of Aging , and inquire with your medical provider if they have access to resources. You can also search the California Department of Social Services (CDSS) agency listing by county here .

What Geriatric Social Workers Can Do For You

The National Institute On Aging discusses geriatric care managers as licensed social workers (and sometimes nurses) who specialize in health care for older adults to identify needs, make a care plan, and find services in the community. A geriatric care manager may: discuss difficult topics and complex issues, make home visits and suggest services, address emotional concerns, make short- and long-term plans, evaluate in-home care needs, coordinate medical services, refer to other care specialists and provide stress relief to caregivers.

Social workers for the aging population also serve as a critical support for the nearly 15% of adults over age 60 who are living with a mental health disorder.

Some of the emerging trends in the practice of geriatric social work are assistive technologies, combating loneliness, mental health awareness, a focus on preventative care, community-based interventions, specialization and data-driven practice.

What Now?

While we wish we could offer a single professional to support all of your needs as you age, we hope knowledge about social workers and geriatric care managers is an added tool in your toolbox! Please consider advocating for a social worker if you find yourself struggling in a hospital or home care setting and be sure to talk to your insurance about the coverage of social workers in your mental and behavioral health benefits.

May we utilize the resources available to live longer & live better,

Bobbi

Bonus Resource: 10 Frequently Asked Questions for Geriatric Social Workers

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: SILVAR®’s Review of New Housing Laws

Mon, 10 Mar 2025 17:30:46 GMT

Could new legislation lead to an inventory boost?

March is nearly halfway through, and the clocks have been sprung forward. As we look ahead into what housing will hold this year, we wanted to share an overview from SILVAR® as to a few new housing laws that could increase local inventory. Just last week, Palo Alto Online published an article titled ‘How these new California real estate laws could boost the region’s housing inventory,’ have you heard of any of these laws or seen them in action?

Split Lots

Senate Bill 450 , filed September 19, 2024 and took effect on January 1, 2025. SB 450 reduces the red tape associated with land subdivision in conjunction with SB 9 projects. While Senate Bill 9 streamlined the process for homeowners to create a duplex or subdivide their lot, many cities and counties created loopholes to block this type of development. SB 450 “prohibits a local agency from imposing objective zoning standards, objective subdivision standards, and objective design standards that do not apply uniformly to development within the underlying zone.” Read more here .

Transit Corridors

Assembly Bill 2553 was also signed into law in September of 2024 and is now in effect, with implications for spurring more housing near bus routes and rail lines. It changes the definition of a major transit stop and requires local municipalities to set lower traffic impact mitigation fees for transit-oriented housing developments.

Housing Law Accountability

Senate Bill 1037 took effect as of January 1, 2025 and gives the attorney general power to impose civil penalties on cities and counties that violate certain housing laws. When cities and counties previously ignored state laws that streamlined certain types of new construction or failed to adopt a compliant housing element, the state attorney general had to file a lawsuit and wait for a judge’s ruling. Now local municipalities can be held accountable as soon as they violate a state housing law with a large monthly penalty of $10,000 - $50,000 per month. Those funds would go towards developing affordable housing in that region.

Easing ADU Requirements

ADU’s are considered an important part of the state’s plan to expand affordable housing. As such, AB 2553 expands the amnesty program that enables property owners to apply to legalize existing ADUs without facing harsh penalties or excessive fees. A simplified permit process focuses on ensuring existing ADUs meet basic health and safety standards.

Buyer-Broker Agreements

Related to the NAR® settlement which changed real estate transactions as of August 2024, California Assembly Bill 2992 now requires buyers and their agent to sign a buyer-broker representation agreement before an offer can be made on a property. With intentions of clarity in the agent’s role and transparency in the home buying process, this law should reinforce the trust and confidence that buyers have as they purchase properties in a changing market.

Please note that the above summary is for informational purposes only and is not intended as legal advice.

Cheers to changes for the better in 2025,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 3 Silicon Valley Cities Make Baby Boomer News

Wed, 05 Mar 2025 18:26:38 GMT

Do you know which Silicon Valley cities are ranked highly for retirees - and why?

March is here… and we’ll see if the adage about ‘coming in like a lion and out like a lamb’ rings true. As much of the Bay Area is experiencing a little rain at the time of this publication, we hope you are reading today’s latest news from somewhere warm, dry and comforting!

In recent times we have seen some Silicon Valley cities pop up in retirement news – which may come as a surprise given all that you read about out-of-state migration and the California exodus. But not everyone is leaving, especially those who have built their lives and have long-earned equity here. See which 3 cities serve a solid purpose for retirees and why below!

Santa Clara, CA

Did you know that Santa Clara has been named as “one of the best places to retire in the nation for its health amenities and quality of life.” At the end of 2024, San Jose Spotlight published the results of Fortune’s ‘Best Places To Retire Affordably.’ Designated as an age-friendly city by the World Health Organization, Santa Clara has many services in place to support residents as they age. Examples include a 3,000-square-foot senior center, free admission to the highly acclaimed (and notably accessible!) Triton Museum of Art, as well as a range of independent living supports. Heart of the Valley provides transportation to medical appointments, free medical equipment such as wheelchairs & scooters, plus no-cost home repairs to adults ages 62+ living in West Santa Clara County. Learn more at San Jose Spotlight & Fortune .

Sunnyvale, CA

In 2023, Sunnyvale welcomed 3,168 new Baby Boomers residents – and more than half of them came from outside of the United States. Housing Wire has reported that Sunnyvale ranks #36 in the Baby Boomer ‘transplant rate.’ While not a top destination for retirees as a whole, this does give Sunnyvale the highest rating for retirees moving in from abroad. Livable Sunnyvale reports that individuals over age 65 are the city’s fastest growing segment of their population, with a 22% increase in older adults compared to a population increase of other ages at 11%. Read more here .

Pleasanton, CA

Realtor.com has recently reported that there is a California city meeting the criteria for one of ‘The Best Cities for Boomers To Retire in Luxury.’ Realtor.com® Senior Economic Research Analyst Hannah Jones states that “Households who have a sizable amount of existing home equity and retirement savings may find purchasing a luxury retirement home appealing.” Criteria to make the cut as a best city for luxury retirement include places where the median population age is 55-plus and a notable, increasing share of home sales in the $1 million plus range. Pleasanton comes in at the #2 city to retire in luxury, with a median population age of 66, a median sale price of $1,650,167 last year and nearly 86% of homes listed over $1 million. See the stats and the other top contenders here.

Are you surprised that any of these Silicon Valley cities are in the news? Do you have a Bay Area locale beckoning your own retirement dreams? We’d love to hear all about it!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Updates: Updated Cal Fire Hazard Severity Maps Released

Mon, 03 Mar 2025 20:53:30 GMT

View your county’s updated fire severity risk.

Welcome back to the Bobbi Decker Blog! As you know by now, our focus is not fear – but knowledge and empowerment. As we share with you today’s topic regarding the release of Cal Fire’s updated Fire Hazard Severity Maps, we encourage you not to be afraid , but to be informed .

What’s New

Cal Fire originally released Fire Hazard Severity Maps in 2011 for local jurisdictions. The updated Bay Area maps have just been released according to Silicon Valley Online (a publication of Bay Area News Group), now dated February 23, 2025.

The new maps reflect a large increase in areas now considered to have a "high" and "very high" likelihood of wildfire. Old versions of the maps only indicated “very high” hazard, new categories include “high” and “moderate.”

What Does It Mean?

If your home is in an area deemed “very high hazard” on the updated maps, you will have to comply with the Zone 0 regulations starting in the beginning of 2026. This means having a perimeter around your home from 0 – 5 feet out that has no flammable materials, an ‘Ember-Resistant Zone.” Read more about creating that defensible space here .

How Does Cal Fire Determine Hazard Levels?

Updated hazard levels are based on improved science methods which better identify the distinct nuances of each locality. Factors include: fire history, existing and potential vegetation, predicted flame length, ember-dispersion distances, terrain and weather patterns.

Will My Insurance Rates Rise Based On My Hazard Level?

It’s no secret that most homeowners are facing rising insurance costs, however, it is likely not a result of the updated Cal Fire maps. The California Association of Counties has reported in a recent fact sheet that “Insurance risk models incorporate many additional factors that change more frequently than those that Cal Fire includes in its hazard mapping.”

Note that the updated maps provide important information not just for homeowners, but for local officials in taking steps towards prevention, determining fire response and acting based on which state building codes are impacted in applicable areas.

Resources Used: New Bay Area fire-hazard maps: Is your city among those seeing striking increases? ; Bay Area Updated Maps ; Cal Fire Defensible Space Guide ; Fire Hazard Severity Zones Local Responsibility Area Fact Sheets

Stay informed & stay safe!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Challenges of Living In The Nation’s Oldest State

Wed, 26 Feb 2025 02:10:16 GMT

… and how senior volunteers are filling the gaps by providing senior support!

Did you know that much of the older population resides in New England, with Vermont, New Hampshire and Maine as the states with the oldest median age of residents? With Maine holding the #1 spot as the nation’s oldest state, AARP recently published an article titled “The State of Aging in the Nation's Oldest State: Maine.”

While we are known as the nation’s most expensive state, our challenges are a bit different than those facing an aging demographic, coupled with rural regions and harsh weather. Since we believe that learning is essential to personal growth and community respect, we wanted to share the perspective of what’s it’s like to age in these conditions.

Here are ten things to know about life in a state with the oldest population:

#1: Maine is the only state in the US with more residents aged 65 or older than those 18 or younger.

#2: The median age of residents in Maine is 45.1 years, which is 6 years older than the national average. Four counties in Maine have a median age of 49 or above.

#3: Maine also has the largest percentage of adults over age 65 working, at 8.2%.

#4: To address the needs associated with the aging population, Maine has established a Cabinet On Aging , a working group which discusses health and human services, public safety, transportation, labor and community and economic development.

#5: Many of the challenges experienced by ‘older Mainers’ are shared by those who live in rural areas – poor economic status, social isolation and transportation-related problems.

#6: The aging population is served by a collaborative, daily, far-reaching effort of state agencies, non-profits and individual volunteers!

#7: Financial challenges and the rising costs of housing, medicine, heating and daily essentials force many aging Maine residents to prioritize some of these needs over others.

#8: The Southern Maine Agency on Aging served 28,000 residents last year, and connects with many of the state’s most socially, geographically or culturally isolated. (Significant outreach efforts have ensured that the area’s large Arab American and Cambodian communities have access to support services.)

#9: One of the key issues facing older adults is transportation. Those without family caregivers to drive them to medical centers may need to travel an hour by bus, whereas a car could get them there in 10 minutes.

#10: Approximately 30% of adults aged 65 and over in Maine report regularly volunteering! This volunteer spirit is nearly 10% higher than the national average, where less than 22% of older adults volunteer.

Weather-related note: If you can’t shovel snow or find/hire someone to shovel it for you, you cannot age in Maine. Snow removal contributes to isolation as residents cannot get out to go to doctor appointments or shopping and cannot receive service from supports such as Meals On Wheels if roads are not plowed or they don’t make it through the waiting list.

Have you ever thought about the state of aging in your state? It’s interesting how harsh weather, rural isolation and community involvement vary from region to region. It’s also inspiring to see how many of these challenges are met with help from individuals and people who want to give back to their communities in the nation’s oldest state. Could that trend spread to other states with aging populations… or other unique needs? Only time and awareness will tell!

Cheers to aging… together,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Carmel-by-the-Sea / All To Know About All The Charm

Mon, 24 Feb 2025 18:24:47 GMT

An inside glimpse into one of our favorite places!

If you have been following us for some time, then you know that the Bobbi Decker Real Estate team has a few favorite get-a-ways – and Carmel-by-the-Sea is one of them! As a dog-friendly town, it was a place we frequented often with our rescue pup HoneyB. As self-proclaimed food & lifestyle researchers ��, the arts and eateries could not be beat. It’s no wonder this coastal city was featured on Realtor.com® last week. Read on to learn more about why and what countless things about this small town add up to immeasurable charm.

The Make-Up: Carmel-by-the-Sea (to be called Carmel for the remainder of this article) is a one-mile square village with no streetlights or parking meters. The town has “historically pursued a strategy of planned development to enhance its natural coastal beauty and to retain its character” with the general plan describing Carmel as “a village in a forest overlooking a white sand beach". It was incorporated in 1916 and by 2025 had adopted a vision of serving as a predominantly residential community. As a walkable locale, Carmel has approximately 60 restaurants, 40 hotels, 100 art galleries and antique shops and 20 wine tasting rooms.

The Numbers: With a chill vibe and highly desirable location, it’s no surprise that this town is ranked as home to some of the priciest real estate in the United States. The median price per square foot is $2,015. Realtor.com® reports the most expensive listing in Carmel is a new build listed at $8.2 million for just over $2,000 square feet. Of those who purchase real estate in Carmel, 30% are from the Bay Area, 30% are from Texas, 30% are locals ‘shifting around’ and 10% is from everywhere else. The east side tends to attract more families, while the west side tends to draw second homeowners (which account for 75% of Carmel’s houses!).

The Quirks: You will not find a numerical address in Carmel – instead people name their houses! Homes are also identified by landmarks, unique characteristics and intersections. (This makes you feel for the mailman, right?) You also may have heard of a 1960’s law that requires a permit to wear high heels due to cobblestone streets and fear of people tripping (local officers reportedly do not enforce this). Your pup may be thrilled to know that most shops offers dog biscuits, many eateries have canine menus and the Carmel Plaza has a dogs-only drinking spot called the Fountain of Woof.

The Big Names: Clint Eastwood served as mayor of Carmel from 1986 to 1988 and is cited as largely responsible for the town’s children’s library. Doris Day fell in love with the town in 1956 while working on the film Julie , later building her dream home on acreage overlooking the Quail Lodge and Golf Course and then purchasing the Cypress Inn in the 1980s as a ‘dog-friendly hotel’. Bing Crosby founded the Carmel Youth Center while living in Pebble Beach, and the Crosby Clambake golf tournament evolved in the now famous AT&T Pro-Am Golf Tournament. Ansel Adams moved to Carmel in 1962 but despite being a famous photographer, never photographed his own home on the coast. John Steinbeck met his wife Elaine Scott in Carmel and NFL head coach and tv announcer John Madden retired there.

There is SO much more we could tell you about this charming village, but really we’d rather encourage you to experience it for yourself. As you live out your goals and realize your hopes for 2025, don’t forget to make sure that enjoying local treasures such as Carmel is on the list!

Resources Used: Inside Carmel-by-the-Sea, Where Small Homes Sell for Big Money ; Fun Facts About Carmel ; The 10 Most Notable Residents in Carmel History ; Carmel-by-the-Sea, California

Cheers to seaside tranquility,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: How Heart Health Changes With Age

Wed, 19 Feb 2025 17:25:46 GMT

A feature in alignment with American Heart Month!

February is a month that is all about heart – in a way that is more far more impactful than Valentine’s Day. This is American Heart Month , a time when all of us are encouraged to focus on our cardiovascular health and what we can do to improve it. Heart disease is the leading cause of death for men and women in the United States – accounting for 1 in 5 deaths in the country. Given that people aged 65 and older are much more likely to develop heart disease and related health problems, our Senior Spotlight this week is dedicated to this important topic.

How Our Hearts Change With Age

The National Institute of Health effectively explains how the structure and function of our heart changes with age.

- Aging causes changes in the heart and blood vessels.

- As you get older, your heart cannot beat as fast during physical activity or times of stress. (Note: Your resting heart rate DOES stay largely the same with age.)

- Over time, the chambers of your heart increase in size. As the heart wall thickens, the heart itself gets larger while the amount of blood a chamber can hold may decrease. This increases the risk of atrial fibrillation and stroke.

- The valves that control blood flow between the chambers of the heart become stiffer and thicker, which can create leaks or limit blood flow. The result can be fluid build-up in the lungs, legs, feet or abdomen.

- The age-related loss of flexibility in blood vessels is also what causes an increase in blood pressure for many people with age, which puts extra stress on the heart.

- Tufts University reiterates that deposits of cholesterol, known as plaque, collect on the inside of our arteries. Our bodies respond by sending white blood cells which create a ‘cap’ of muscle cells over the plaque. If this ‘cap’ ruptures, the result may be a blockage and cardiac event.

These are just a few of the ways in which your heart is impacted by the aging process. Please note this this is NOT intended as medical advice, and that you should always consult with your trusted medical team to assess your own heart health.

What Can We Do About It

While many of the age-related changes of our heart are not in our control, what we do about them is within our reach.

The simple thing you can do starting virtually right now is to… move more! See the NIH Fact Sheet on the benefits of moving more and the easiest ways to get started.

Next, the thing we all should be doing is to have our blood pressure and cholesterol levels checked regularly . With regular monitoring, your doctor can determine if your blood pressure and cholesterol are putting you at risk for heart disease, and can talk to you about dietary changes, exercise and medications to manage your health.

The last but most important thing we have time to draw attention to today is knowing the signs of a heart attack . While prevention is critical, recognizing the signs of a cardiac event can be lifesaving. Please do not wait to get help if you or someone you know is experiencing any of the following warning signs (as reported directly from the American Heart Association ):

- Some heart attacks are sudden and intense. Others start slowly with mild pain or discomfort. Pay attention to your body and call 911 if you note any of the signs below.

- Chest discomfort. Most people having a heart attack feel discomfort in the center of the chest. It can last more than a few minutes, or it may go away and then return. It can feel like uncomfortable pressure, squeezing, fullness or pain.

- Discomfort in other areas of the upper body. Symptoms can include pain or discomfort in the:

o Arms (one or both)

o Back

o Neck

o Jaw

o Stomach

- Shortness of breath. This can happen with or without chest discomfort.

- Other signs. Other possible signs include:

o Breaking out in a cold sweat

o Nausea

o Rapid or irregular heartbeat

o Feeling unusually tired

o Feeling lightheaded

In addition, women may have other symptoms that are typically less associated with a heart attack, including but not limited to: anxiety, shortness of breath, upset stomach, unusual fatigue and shoulder pain.

Before American Heart Month ends (remember, February is a short month!), please take one step to improve your heart health and awareness and encourage someone you love to do the same. Nothing is more important than your health.

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Which Decluttering Method Is Right For You?

Sun, 16 Feb 2025 19:00:04 GMT

Check out these 3 ways to start spring cleaning!

While the groundhog has seen his shadow and insisted on 6 more weeks of winter, that does not mean you can’t start early spring cleaning! While most of us organize and declutter our homes so they look better , studies show those efforts can also help us feel better . Psychology Today reports that the benefits of decluttering include less irritability, decreased distraction, increased productivity, better ability to process information, enhanced self-worth, higher sleep quality and improved mood! The reason is that mess and chaos are a form of visual distraction, thus messy environments increase frustration and cognitive overload. No thanks!

The reality is that cleaning out your home is easier said than done. For years, our Senior Spotlight has focused on the efforts and benefits of downsizing and minimizing your possessions. This week, we wanted to share 3 methods of de-cluttering that can help any one of any age or stage of life and any home size. Here you go…

The 30-Day Decluttering Challenge

As featured in Real Simple magazine, this cleaning method is based on making a lot of progress in a distinct amount of time. While there are countless ways to frame a 30-day challenge, this author started by taking 30 minutes to identify the areas she wanted to clean and then cleared out a storage area to house the unwanted items. She also accounted for the fact that she could accomplish more on weekends than on workdays as she outlined her plan. The keyword for this method is: goal setting.

The 4-Box Decluttering Method

This approach, as published in Homes & Gardens magazine online, suggests that you choose one workspace and label four boxes as follows: the ‘keep’ box, the ‘donate/sell’ box, the ‘trash’ box and the ‘relocate’ box. By eliminating decision fatigue and allowing for immediate, visual progress, this method is helpful for those who struggle with overwhelm. The keyword for this method is: simplicity.

The 1-3-5 Decluttering Method

As a layered approach, the 1-3-5 method of cleaning out is rooted in choosing one big decluttering task and breaking this down into three medium-sized tasks, followed by five microtasks. Described by Woman & Home magazine as ‘a thoughtful, considered approach’, this process is more methodical and organized and less fast and frantic. Since the task breakdown can be as simple or detailed as you wish, experts suggest setting a timer to see how far you can get with the 1-3-5 method in one day (i.e. 15 or 30 minutes). The keyword for this method is: completion.

Are you feeling inspired to try one of these methods this week? Do you have cleaning plans this spring? Do you have your own tried and true method of keeping things neat and organized? We’d love to hear all about it!

Cheers to less stuff and less stress,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Hobbies Help Achieve A High Quality of Life

Wed, 12 Feb 2025 20:48:27 GMT

…and help keep you healthier too!

Free time. Most of us have waited many, many years for the days when we could choose what we wanted to do, rather than live by what we needed to do. When our days are no longer filled with working or raising families, it leaves a lot more time for other things – like hobbies! The focus of our Senior Spotlight today is to provide ideas for leisure and livelihood that help you feel good, both mentally & physically.

Hobbies are more than a way to spend time, they can support psychological and physical well-being. Research has shown that “people who frequently engage in hobbies they love tend to live longer and experience less severe disease and illness.” In addition, hobbies enjoyed with others increase the mental health benefits of less depression and anxiety and even reduce the risk of cognitive decline and dementia!

Here are three great resources for exploring hobbies (we bet you have never heard of some of these!).

The Ultimate Hobby Guide: 50 Hobbies for Seniors | 55 Places

This guide, published at the end of 2024, suggests hobbies by category that are great inspirations for the new year. Categories include popular women’s and men’s hobbies, hobbies for couples, indoor and outdoor hobbies, hobbies that help others and even some that can be done online. Notable, unique ideas: axe-throwing, animal fostering, co-mentoring & wine/food clubs!

The 40 Best Hobbies for Seniors and Retired Adults | Ever Days®

This article starts off by pointing out that it’s not just about choosing any hobby – but the right hobby for you. A helpful list of 6 questions helps you identify if you like working with your hands, prefer being at home, enjoy a good challenge and more. After that, you’ll see an easy-to-scan list of hobbies in 8 categories, including those ideal for individuals aged 60 and up. Notable, unique ideas: joining a community group or board, studying languages, bird watching and making models.

The Best Hobbies for Seniors To Do at Home | Elder Care Alliance

There are times when poor weather, reduced mobility or simply personal preference dictate that the best hobbies are those that can be done from the comforts of home. There is a list for that too – so please don’t assume that the same 4 walls mean you have to do the same old thing every day! Notable, unique ideas: origami & paper sculpting, chair yoga, brain games, audiobook clubs and even virtual volunteering!

We hope that this article inspires you to try at least one new thing in 2025! Fresh interests can often give a fresh and positive perspective (and that is never a bad thing!).

Cheers to health, happiness and the hobbies that take you there!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: National Home Price Appreciation Update

Sat, 08 Feb 2025 16:01:48 GMT

15 markets experienced double-digit price appreciation (none are in California!)

Just a few days ago, the National Association of Realtors(NAR)® released a report of the metro areas with the largest gains in home prices as of Q3 2024. While you may assume that California topped the charts, none of our markets made the list. Here’s why:

It’s true that 8 out of the 10 most expensive markets in the US are in the Golden State; however, the gains here were NOT in double digits as seen in the markets below.

Per the NAR® Newsroom : “Eight of the top 10 most expensive markets in the U.S. were in California. Overall, those markets were San Jose-Sunnyvale-Santa Clara, Calif. ($1,900,000; 2.7%); Anaheim-Santa Ana-Irvine, Calif. ($1,398,500; 7.2%); San Francisco-Oakland-Hayward, Calif. ($1,309,000; 0.7%); Urban Honolulu, Hawaii ($1,138,000; 7.2%); San Diego-Carlsbad, Calif. ($1,010,000; 3.2%); Salinas, Calif. ($959,800; 1.5%); San Luis Obispo-Paso Robles, Calif. ($949,800; 6.7%); Los Angeles-Long Beach-Glendale, Calif. ($947,500; 5.6%); Oxnard-Thousand Oaks-Ventura, Calif. ($947,400; 2.8%); and Boulder, Colo. ($832,200; -3.0%)

The purpose of sharing this information is to help readers differentiate between areas with high home prices , and areas with high home price gains . It is critical to assess the trends of the market you are buying in, and to note regional differences in the timing of when home prices surges happen. On a very general note, the West often sees home price gains earlier in the year than other regions, thus our gains are not as notable in the last two quarters of the year. Does that mean prices dropped in our markets? Or that a bubble has burst? Also, no – it simply means that home price gains vary greatly within micro markets AND across major metros.

NAR Chief Economist Lawrence Yun summarizes: “Housing affordability has been a challenge, but the worst appears to be over. Rising wages are outpacing home price increases. Despite some short-term swings, mortgage rates are set to stabilize below last year’s levels. More inventory is reaching the market and providing additional options for consumers.”

We hope this data helps you see the big picture of where housing landed in 2024, and what price trends to watch in 2025.

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Surprising Fall Risks

Wed, 05 Feb 2025 19:07:40 GMT

Falls can be prevented – learn how!

Did you know that 1 in 4 seniors (14 million people!) fall each year? A significant number of these falls lead to injuries, short- and long-term mobility issues and a change in living arrangements. In our Senior Spotlight spirit of living longer & living better, we wanted to share a recent read from AARP regarding 15 surprising things that increase fall risk. Some of these you have heard of; some will seriously surprise you!

Read In Full (AARP): 15 Surprising Things That Can Increase Your Risk of Falling

While we have covered many of these on our blog over the years and annually during our ‘Fall Prevention Month’ edition in September, we wanted to point out 5 factors for falls that we have not discussed before. The risks you may be most familiar with are: weight, weak bones, muscle loss, previous fall history, medication side effects and age-related diseases such as stroke, arthritis and Parkinson’s disease.

5 Lesser-Known Fall Risks

#1: Worsening Memory: A 2023 published in The Journal of the Alzheimer's Association verified what has long been documented, that those with Alzheimer’s and dementia have an increased risk of falls as the brain has trouble telling the body what to do and how to navigate obstacles. Consistent routines and in-home support can help.

#2: Vision Changes: A large number of people over age 50 wear bifocals, trifocals or progressive lenses; however, these types of lenses make it harder to see the ground below and judge depth. Recommendations include annual eye exams and single-vision lenses when walking or going up and down stairs.

#3: Walking Too Slow: This sounds counterintuitive, right? Most safety practices involve slowing down, yet research has shown that those older adults who walk slowly actually fall MORE often! Proper footwear and aerobic exercise are linked to stability and stamina needed to walk at a safe pace.

#4: Hearing Loss: Did you know that hearing and balance are intricately connected? Both systems reside in the inner ear and dramatically impact one another. Adults who need hearing aids and wear them even a few hours a day fall less than those who don’t wear them at all!

#5: Diabetes: Most people correlate diabetes with simply impacting blood sugar and weight, but it actually increases your risk of falling too. Those with diabetes often face vision changes, sensory function and neuropathy challenges and even take medications that may reduce sugars and make them light-headed. Careful, regular management of diabetes can support a reduction in medication side effects and an improvement in overall related conditions.

We hope that you learned something that surprised you today – so that you can do something about it! Whether you or a loved one are experiencing one of these increased fall risks, we hope you now feel empowered to make lifestyle changes and talk to your medical providers as you advocate for your highest, best and lowest-fall risk quality of life!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Metric At It’s Highest Level Since 2009

Sun, 02 Feb 2025 22:06:55 GMT

The new build market is bulging.

The 2025 story of real estate is just beginning to unfold, and there is one chapter you may not have heard about yet – but you should. Dow Jones and Market Watch are reporting that the “number of newly built homes for sale on the market is at the highest level since 2009.” Similarly, the US Census Bureau reported that 2024 ended with a year-over-year increase of newly built homes up 10%. So… why aren’t more buyers excited?

First, let’s remember that real estate is a very local industry. While the national average supply of new construction homes nationwide is 9 months, that number is not representative of all markets or even consistent across any one state. Regional differences across the US and within each state vary greatly – and there are more new homes in some places and fewer in others. The related figure to that is how much of the market share new homes account for, and what price and existing inventory home trends are present in each locale as well.

Second, the elephant in the room (that nobody likes to talk about) is that we are amidst a zoo of… affordability challenges. With mortgage rates crawling above 7%, most typical home buyers cannot afford to buy a home at current prices with current rates. Data indicates this is the most ‘unaffordable’ time to buy a home in recent history.

Despite all of this, there is good news! While rates may not present a favorable environment for the average buyer, purchasing a new home is unlike the average process. Builders are uniquely positioned (and highly motivated) to offer incentives to buyers. This includes but is not limited to mortgage rate buydowns and price reductions. The NAHB has reported that 30% of builders cut prices in January, by an average of 5%. Realtor.com® has reported that the West has the highest share of new construction listings with mortgage rate buydowns offered, followed by the South.

In the spirit of full transparency, there are analysts who believe high home builder inventory could be a warning sign of a recession. However, Newsweek asserts that “not all experts agree that this is an imminent sign of a recession. Some experts think high housing inventory is a good sign because it fills the gap in the existing home market, boosts construction activity and meets strong demand, which builders expect will result in a robust spring market.”

There is no crystal ball – but there is a clear trend that there are more new homes on the market now than in over 15 years. What that means for you will depend on the supply and demand in your area as well as your own short- and long-term plans. Knowledge is power and we share this information so you can choose to follow the trend in your area and adjust your personal strategy accordingly.

Resources Used: Housing market hits a key level not seen since 2009; New-Construction Insights: Newly Built Homes Offer Value and Incentives; Why Housing Market Trend Is 'Alarming' to Real Estate Expert

Have a great start to February,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Downsizing vs. Aging In Place

Tue, 28 Jan 2025 18:57:14 GMT

Why it’s not an easy decision…

Welcome back to the Bobbi Decker Senior Spotlight! Those of you who have followed us for decades across newspapers (remember those days!) , our Peninsula TV program and real estate work know that supporting seniors has been one of our core values. In fact, the challenges we saw so many older adults experience is why we dedicated so much of our personal and professional life to this transition.

Long gone are the days when older adults became empty nesters, desired a smaller home and automatically considered a senior community or moved in with an adult child. As of 2021, AARP reported that that 77% of those aged 50 and older plan to age in place. In 2014, that figure was 90%, possibly indicating a shift of more retirees choosing not to stay in their lifelong home over the last 10 years. Could this be related to the fact that just 3 months ago, Housing Wire reported that 80% of seniors cannot afford to age in place – including the cost of in-home care and necessities sch as food?

The short answer is: it’s complicated. Some publications refer to this topic as ‘the great conversation.’ While there is no one right answer for everyone, there are many key considerations that virtually all older adults can relate to. We’ve been inspired to go back to our roots and summarize these key factors after reading “Why downsizing is not an easy call for seniors and families to make.”

Do any of these reasons resonate with you or someone you know?

The old adage ‘there is no place like home’ is what keeps so many of us amidst the walls we know and love. There is no doubt that moving can be disruptive and distressing, yet waiting too long can mean fewer options and more stress. Ultimately, you want to base your decision on where you can optimize your tasks of daily living and enjoy your best quality of life. We always advise our clients to consult with their financial advisor, tax professional, medical team, Senior Real Estate Specialist® and even a Senior Move Manager .

Please be sure to reach out for more support and resources if you are struggling with the decision to age in place or downsize. The only right decision is the one that is right for you !

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Winter Wonders of Selling Before Spring

Sun, 26 Jan 2025 20:54:05 GMT

See the benefits of NOT waiting until spring to sell.

The holidays are behind us and the weeks after the Super Bowel are traditionally the start of the ‘spring’ selling season (no matter what the calendar says)! With NAR® projecting that homes sales will increase by nearly 10% this year, you may be wondering when the right time is to sell.

While traditionally winter is not when you would think of putting your home on the market, it can have many benefits. First, winter is a 3-month span of time, and while the holidays may be a stressful time to sell, the period from mid-January to mid-March is still winter – and offers some advantages. These months offer less inventory overall and less competition, meaning that serious buyers are more likely to be focused on your listing. It’s easier to stand out among the pack when it’s smaller in number, right?

Second, all the things that you love about the comforts of your home in winter just might be big selling points for the next owners too. By now, you have no doubt heard that even in a seller’s market, staging can increase your home’s sale price by 5-15%. Consider adding some winter décor to that huge front porch for cozy curb appeal, accent living areas with the warmth of heavy, textured throws and showcase a coffee bar in your entertainer’s kitchen. Other ideas to evoke that ‘winter wonderland’ feel are to light a fire in the fireplace on open house day or bring in some seasonal scents via mulling spices or fresh baked cookies on the counter.

Finally, be sure to show that the heater is working well and turn up that thermostat – you never want a potential buyer to feel a chill or draft as they tour the space. Make it feel so comfortable and cozy that they never want to leave – except to write up an offer! ��

No matter what the season, our team always advises that the best time to sell is when the time is right for you and where you are going next. Selling in a traditional spring market may mean more competition from other homes on the market – and more competition from other buyers on the place you are hoping to buy next. Please be sure to weigh the pros and cons of your situation and your goals.

Resource Used: 5 Home Staging Ideas That Work Wonders During Winter, According to Top Agents

Cheers to all the potential that 2025 can bring,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: National Blood Donation Month

Wed, 22 Jan 2025 18:43:23 GMT

5 myth-busters about giving one of the best & healthiest gifts!

Did you know that January is National Blood Donor Month? The winter months are typically a time of reduced blood donations because of holidays, cold and flu season and severe weather. The Red Cross reiterates this now as severe winter weather and wildfires have forced thousands of blood donations to go uncollected. There is currently a critical need for platelets as well as an emergency shortage of types O negative and B negative blood. All types of blood are continually needed now and year-round to meet demand.

Every 2 seconds – someone in the US needs blood. This includes but is not limited to: those battling cancer, organ transplant patients, heart surgery patients and victims of all types of accidents including burn victims. Patients of trauma, those with chronic diseases, individuals with blood disorders (like sickle cell anemia) and people fighting cancer all rely on blood donations to improve their quality of life and often save it.

If you have ever considered donating blood, be sure to check if you meet the minimum requirements , and if you have any concerns at all, please talk to your medical professionals.

While the blood shortage is very real, the actual number of people who can help is very high. Only about 3% of the eligible US population donates blood. Let’s get to the top 5 myth-busters about giving one of life’s greatest gifts!

#1: “I’m too old to donate blood.” Growing evidence supports that there is no upper age limit on giving blood! (A former policy of the American Association of Blood Banks used to require doctor consent for those over age 65; that policy was rescinded in 1978 after countless studies showed no increased risks for older adults.)

#2: “Older adults are more likely to have side effects when giving blood.” This one could not be more FALSE! AARP and other sources have reported that donors over age 50 are less likely to have an adverse reaction than younger donors.

#3: “I’m on a few medications so I’ll be disqualified.” While you will be required to disclose what medications you are on and what conditions you have, most medications do NOT disqualify you from blood donation. If any conditions you have are managed and you are in good health, donations are usually allowed – and welcome!

#4: “It’s too risky to donate blood.” There is no risk of contracting any diseases as new. Sterile blood collection equipment is used for each donor. Most healthy adults can donate a pint of blood without health risks; reported reactions are not serious or life threatening, occurring in 0.7-1.2% of patients according to the National Institute of Health (NIH).

# 5: “I don’t have a rare blood type, so my blood isn’t needed.” If you have a common blood type – that actually means there is a higher demand for it – and you can save more lives! (and those with rare blood types are filling the gap for the less common donations received.)

To learn more about the blood donation process (and even enter a chance to win Super Bowl tickets by helping fill the need!), please visit https://www.redcrossblood.org/ .

Thank you for considering this life-saving gift,

Bobbi

Resources Used: About National Blood Donor Month ; Critical Need For Blood Donors ; 8 Common Myths About Blood Donation Debunked ; Who Can You Help by Donating Blood? ; How Old Is Too Old to Give Blood? ; Groups release updated statistics on U.S. blood donation ; Incidence of adverse reaction in blood donation: a systematic review

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

This Just In: Bobbi Decker Receives SAMCAR Lifetime Achievement Award

Sat, 18 Jan 2025 21:57:33 GMT

What a way to start 2025!

On January 16th, 2025, the San Mateo County Association of Realtors® held their annual installation luncheon. This year, a special award was announced along with announced along with results of their 2024 real estate award winners in 5 categories. Much to our team’s surprise and greatest gratitude, our team leader Bobbi Decker was awarded the 2024 SAMCAR Lifetime Achievement Award for extraordinary distinction, exceptional contribution and outstanding service to the real estate industry!

While those who know Bobbi are anything but shocked, Bobbi herself is humbled that simply doing what she loves in the best way she knows how to do it could lead to this distinction. It is truly a gift when bringing your most sincere self, highest work ethic and utmost integrity to your business can not only help others, but also be valued within the community served. We know that Bobbi is not alone in her commitment to the industry, nor in her belief that doing what is right is the only way to do business.

The Bobbi Decker Team would like to congratulate and recognize the other 2024 SAMCAR award winners and thank them for their outstanding contributions to our industry! We are more than honored to celebrate your success, be inspired by your efforts and to share your enthusiasm!

SAMCAR’s 2024 Rising Star: Danielle Shapiro

SAMCAR’s 2024 Community Service AND Homeowner Hero Award Winner: Sue Vaterlaus

SAMCAR’s 2024 Affiliate of the Year: Veronica Valentine (Monterra Credit Union)

SAMCAR”s 2024 Realtor® of the Year: Eric W. Berggren

See the SAMCAR Installation Recap HERE

Thank you truly for your dedication to helping buyers and sellers, and for being the driving force that makes the San Mateo County Association of Realtors® an honor to be a part of! We wish you continued fortitude and perseverance in 2025!

Our team would like to sincerely thank those who have made this award possible and who have reached out to Bobbi to share their heartfelt words. Our hearts are full to know Bobbi and to see how others know and appreciate her too!

With unrivaled gratitude,

The Bobbi Decker Real Estate Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Fitness & Exercise Resources

Wed, 15 Jan 2025 18:08:20 GMT

New year, new fitness goals? Top tips for those age 50+.

A new year often means new fitness goals, at any age! It is truly never the wrong time to get in better shape, improve your health and start moving (unless your doctor or medical team has given any restrictions). But there is no ‘one size fits all’ health solution for anyone, and those over age 50 may have additional considerations for exercise routines, gym memberships and frequency. Couple that with the fact that many older adults are still in the workforce, it's true that finding the time and energy can be a hurdle.

Our Senior Spotlight researchers have reviewed many online sources and listed the top 5 for adults aged 50+. Please note there are MANY more, and the very best place to start when creating a fitness plan is with your doctor. Be sure to ask your healthcare provider if weight loss, balance, weight bearing exercise, flexibility or strength is your top priority – and work from there!

#1: Older Adult Activity: An Overview (Centers For Disease Control)

Don’t miss: The sample weekly schedule, benefits (including lowering your cancer risk! ) and importance to brain health .

#2: Choosing a Gym After 50: Atmosphere, Amenities, Budget and More (Next Avenue)

Don’t miss: The tips on choosing an atmosphere + the importance of proximity.

#3: 5 Tips to Help Older Adults Stay Motivated to Exercise (National Council On Aging)

Don’t miss: The social accountability & enjoyments aspects, as well as the reminder to set attainable & trackable goals.

#4: Exercise & Older Adults Toolkit (National Institute of Health)

Don’t miss: The infographic on 5 ways to stay motivated as well as the helpful section on exercising with chronic conditions .

#5: Your Personalized Guide To Fitness (AARP)

Don’t miss: The on-demand, free workout videos and the dedicated section on what to do “If You Only Have 10 Minutes to Exercise.”

We hope that the resources above are a good start to help you feel great! I think we can all agree that the hardest part is getting started, and a great way to overcome that is to simply start today. You don’t have to have it all figured out to take a step in the right direction – how about going for a walk before the day ends?!

Cheers to being the healthiest we can be,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: LA Wildfire News & Resources

Sun, 12 Jan 2025 22:01:14 GMT

Including 2 just-published websites specific to this crisis.

2025 started off with so much promise and hope, yet just 8 days into the new year California found itself under a Major Disaster Declaration as wildfires ravaged LA County. We would like to first acknowledge the tragedy, fear and despair experienced by so many who have lost their homes, been evacuated and whose lives have turned unrecognizable over the last week. Second, we would like to express our most sincere gratitude and utmost respect for the firefighters and first responders in LA County, as well as those all over the state, country and neighboring countries who have come together to help fight these fires. Their bravery, perseverance and dedication is not lost on us.

While the cause of the fires is still under investigation and there are countless disagreements over myths vs. facts, we are here to share resources and support to those impacted and those who wish to help. Below please find some (but by no means all!) potentially useful and informative links surrounding these historic and ongoing California wildfires.

Two websites have been created specifically to address the 2025 LA Fires:

2025 Los Angeles Fires: https://www.ca.gov/LAfires/

This website was designed specifically for Californians impacted by the Los Angeles Fires and offers links to real time information, ways to sign-up for alerts & safety tips, assistance information and more.

LA County Recovers: https://recovery.lacounty.gov/

This website is specific to those impacted by the Eaton & Palisades fire areas and allows residents to search specific addresses to see if their homes have been damaged or destroyed. Maps show properties that have been assessed by CalFire inspectors, in hopes of better relaying impacts to the 150,000 evacuees who have not been allowed to return.

Additional Resources & News Summaries:

Power Outage US: https://poweroutage.us/

This nationwide map is an ongoing project created to track, record, and aggregate power outages across the United States. You can see how many customer are currently without power in California and which electricity provider they fall under.

WatchDuty: https://app.watchduty.org/

Although this app is just 3.5 years old, it has been an indispensable tool in times of wildfire threat and activity. LA County residents have called this resource a lifeline, as it provides real time tracking of wildfire boundaries, evacuation orders, fire weather advisories and even shelter information. In one 10-hour pan of wildfire spread on Wednesday, the app was serving 500,000 users every minute.

The Major Disaster Declaration: https://www.gov.ca.gov/2025/01/08/governor-newsom-quickly-secures-major-disaster-declaration-from-president-biden-for-los-angeles-fires/

This statement explains when the declaration went into effect and what it means in terms of securing federal assistance funding.

California Wildfires: Neighborhoods Razed, 10 Dead, and 10,000-Plus Properties Destroyed After 36,000 Acres Burned: https://www.realtor.com/news/real-estate-news/california-wildfires-death-toll-property-loss-updates/

This article from Realtor.com® summaries the events of the first 3 days of the fires, including school closures and the impact of displacement and rebuilding.

Live Updates: L.A. Firefighters Make Progress as Forecasts Warn of Stronger Winds: https://www.nytimes.com/live/2025/01/12/us/los-angeles-fires-california

The New York Times is updating their page on the situation in Los Angeles nearly every hour, including containment levels of each active fire and maps of the burned areas.

How to help victims of the Los Angeles wildfires: https://www.nbcnews.com/news/amp/rcna187274

This useful piece from NBC news helps explain how people can most effectively support the recovery efforts in Los Angeles, and shares a list of vetted resources by the news outlet (while warning of the high potential for scams in times of tragedy).

Please, please share these resources if they may help someone you know. And please also confirm that you are signed up for your own county’s emergency notifications should a natural disaster occur where you live. The best time to prepare for an emergency is before you find yourself amidst one.

Stay safe & stay informed,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Retiring Abroad Reality Check

Wed, 08 Jan 2025 18:43:20 GMT

Not all ‘best place to retire’ lists are created equal.

Retiring abroad has long been a topic that has been covered and explored on our Senior Spotlight blog. In fact, we even personally explored some of the previously (and currently) ranked ‘Best Place To Retire Overseas’ in South America to gain a true inside perspective. This trend is continuing to surge as the number of Americans receiving their Social Security overseas has increased from 413,000 to 760,000 retirees from 2019 to 2022!

You’ve no doubt seen countless articles and lists emerge each year with experts claiming the ‘Best Place To Retire’ and naming 5-10 cities with exceptional culture, views and weather. But how many of these ‘best’ places are really the best for you?

A recent read on Realtor.com® encourages us to not just look at the fine print – but to investigate what’s not printed at all! For example, many publications are listing Mexico as a top retirement destination – yet the Mexican government has recently raised permanent residency requirements to a minimum income of $7,300 per month! In another example, New Zealand has been named for its safety, jaw-dropping landscapes and what some call unrivaled food and wine pairings; yet they require an investment of $500,000 into the country plus a very high monthly income – for the ‘privilege’ of staying two years. Similarly, Australia continues to make many ‘best of’ retirement lists yet stopped issuing retirement visas in 2018.

The bottom line is that you cannot believe everything you read; you need to not just consider the source – but the full reasoning behind the data.

While one blog cannot guide you in an overseas retirement, we do want to encourage you to create a list of criteria to consider as you make your top picks list. Be sure to inquire about the cost of living, any investment and income requirements, immigration process and visa eligibility, residency transition factors (from temporary to permanent), healthcare access and quality, climate type and variability and government stability. H&R Block also has an article dispelling the myths about taxes, distributions and qualified plans. This is a critical reminder to check in with your tax professional and financial advisor on your areas of interest as well.

Realtor.com® asserts that older adults should stay away from ‘vacation mentality’ and look at the long-term implications and opportunities for your move. In addition, they have named a few ‘tried and true’ countries to start with who consistently offer affordability, a high quality of life and have existing expat communities. (Note that government regulations are always subject to change so watch those income limits especially!)

Realtor.com® Top Picks: Ecuador, Colombia, Panama, France & Thailand

The best place to retire is the one that is right for you! Don’t let incomplete ‘expert’ articles and tourist-driven lists drive your retirement lifestyle. First decide what you want – and then fully educate yourself on how to get there. You got this!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: What Buyers Want In 2025

Sun, 05 Jan 2025 21:59:21 GMT

Sellers can seal max ROI with these must-haves…

Happy 2025! We are less than 10 days into the New Year and it’s already flying by ( that must mean we are having fun! ). We know that days of 3% rates are behind us, buyers are more accepting of the market we are in and the uncertainty that came with the election year is over; as such, real estate sales are expected to rise this year. While low inventory is maintaining a seller’s market, it is still paramount to show your home in its best light to maximize your return on investment. And the best light – is the one that makes a buyer’s eyes twinkle, right? ��

In a recent article titled Home Trends Buyers Are Looking for in 2025, According to Experts, Contributor Cynthia Measom shares what features are most appreciated and sought-after by those purchasing homes in 2025. You can read the full article here , and we have made a simple graphic to give you a glimpse of the top ‘wants’ below.

We know what you are thinking… “Bobbi, what if I can’t make my family room larger? But I can’t just put in a sauna to fit the wellness want?!’. The good news is – you don’t have to! Many of the features that buyers want can be highlighted by minimizing clutter and arranging furniture or professionally staging. You can show a great family room layout with perfect fit furniture, add some spa-inspired décor and colors to your bathrooms and show a clean & chaos-free home office space, right?

Little touches and intentional details can really help buyers see that what they want – is right in front of them.

Cheers to a new year + new info headed from us to you,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: A Surge For Senior Housing Expected In 2025

Fri, 03 Jan 2025 05:37:52 GMT

The most industry growth since the pandemic could be here this year!

Happy, Happy New Year! 2025 is set to be a big year for senior housing growth and development. As one of the sectors hit hardest by the pandemic, shifting economic factors and heightened demand are now driving industry momentum into an upward cycle. We’ve summarized the 3 key areas in which to expect progression below.

DEMOGRAPHIC SHIFTS

- In the next decade, the US population aged 80+ is projected to increase 47%.

- Pew Research reported in 2023 that 62 million adults, nearly 20% of the US population, is aged 65 and older. By 2054, that number is likely to be 84 million individuals or nearly one-quarter of the population.

- The number of centenarians (those aged 100+) is expected to quadruple in the next 30 years.

- 42,000 new senior housing units A YEAR will need to be created to meet the associated demand of an aging population.

CONSTRUCTION CONSTRAINTS ENDING

- Senior housing supply has hit a 14-year low, creating occupancy gains in existing communities.

- Decline of interest rates and a more favorable lending landscape should help the financing of new builds become competitive again.

- Senior living operators are finally able to shift from reactivity-based pandemic mode to a strategic mindset driven by consumer desires.

THE EVOLUTION OF NEEDS & WANTS

- While assisted living is seen as a necessity and not a choice, the growing ‘active adult’ market is focused on seniors looking for a lifestyle alternative vs. daily care.

- For those who are entering assisted living, the emphasis on aging in place means that their needs are higher by the time they need to transition into care-based facilities. This has led to an increase in regulatory changes in senior health care in over 30% of states.

- Popular markets for new senior housing communities are coastal areas, followed by secondary cities (cities that are not capitals or major cities – but surrounding urban hubs that still play a vital role in a region’s development). Secondary cities offer a blend of proximity and affordability.

- Dementia care is surging in demand; 7 million Americans are living with Alzheimer’s today – a number projected to reach nearly 13 million by 2050. 44% of assisted living residents had a dementia-based diagnosis in 2022.

- Like all fields, technology and AI will shape senior housing; examples include predictive analysis to estimate fall rates, hospitalizations and other medical events. Other applications include care integration, program efficiency, increased social engagement and recruitment of both staff and prospective residents.

Wow! The bottom line is that change is on the horizon! Let’s hope that its efforts to promote living longer and living meet, or better yet exceed, our expectations. You can count on us posting progress and updates of senior housing development as 2025 marches on.

Cheers,

Bobbi

Resources Used: The Road Ahead: Senior Housing Trends to Watch in 2025 ; ‘Change in air’ for senior living and care industry in 2025

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Powering Into 2025 With Positivity

Sun, 29 Dec 2024 21:27:34 GMT

Dulling your own sparkle is actually bad for your health and productivity!

As 2024 draws to a close and you look back on what you experienced, chances are you had some favorable and not so favorable things happen. Life tends to be a balance of highs and lows, good and bad, right and wrong… you get the idea. But more than that, life isn’t just what happens to us, and what we do about it, but how we approach it. This is where the power of positive – or negative – thinking comes in. And as we approach a new year with a new outlook, we wanted to touch upon what positive language can do for your health, wealth and more.

Before we launch into how positive language can benefit you and those around you, let’s define what language is. It’s more than words. It’s more than a communication tool. Language is powerful. When you think of language as transformative, influential and intentional – suddenly it’s more than about what you say but the meaning behind it.

A great quote from the professional development corporation ‘Learning Insight’ states that “Words are like lenses; they can either focus on the good or magnify the bad.” When you look at it like that, language does more than convey a message – it shapes a vision. What is your vision for 2025? How can the language you use help that vision come to life?

First, let’s talk about the research-proven psychological phenomena of negativity bias – which is the reality that humans tend to think about negative things more than positive ones. The things we think about become the things we talk about, thus it’s easy to get into a cycle of negative thought and language patterns. Yet with intention, we can change that!

The Center For Collaborative Awareness has revealed how the words you choose to use can literally change your brain. Studies have shown that adults who wrote down 3 things that went well each day experienced higher levels of happiness, lower levels of depression and improved overall well-being and functionality in three months.

In fact, as we are sitting down to write this blog – the studies proving the power of positivity are countless. Benefits of positive language include but are not limited to:

- Improved self-perception and social cognition

- Enhanced resilience, problem-solving & adaptability

- Improved performance (both at work and in personal goals)

- Better relationships (professional & personal, even parent/child) – fostering trust, goodwill & cooperation

- Increased job satisfaction

- Enhanced creativity

- Stronger connections with your audience when public speaking

- Lower stress levels & higher overall well-being

- Focused strengths-based awareness which can free you from self-limiting beliefs

- Movement towards a growth mindset

- Happier mood & attitude

For helpful examples of the differences between positive and negative language and what to say instead of “I can’t", check out this read on Intelligent Change .

The bottom line is that what you tell yourself and others matters. Words count. We are not telling you to simply say what you or others want to hear, but to re-frame and re-focus on what message you are sending and why. Who you are shines so much better through clarity.

Imagine what could be in 2025 if we all added a little more positive intention to our words; just the thought of it is music to our ears!

Cheers to being our best (and most positive!) selves in the new year,

Bobbi

Resources Used: The Power of Language ; The Power of a Positive Mindset in the Workplace ; Positive Language: Shaping perceptions, relationships and outcomes ; The Benefits of Positive Language ; Speak with Kindness: How Your Words Literally Restructure Your Brain

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Best of 2024

Fri, 27 Dec 2024 01:59:20 GMT

Our readers know best – and here is what articles they enjoyed the most!

What a year! 2024 was full of ups and downs, highs and lows and good news and… at times not so good. As ‘bloggers’ (we prefer to be known as 'information advocates'!) our mission is to weed through the noise and write about the topics that are most beneficial to you and your quality of life as you age. (And you aren’t on that train alone – last we checked, we weren’t getting any younger either!). As we move forward together, we find it imperative to grow our own knowledge base and to share ways that we can all help each other and help ourselves .

Below we have featured our ‘Top 5 Senior Spotlights of 2024’ , based on reader feedback and social media engagement. Enjoy!

_ _ _

#1: Inclusive Travel

In one of our most popular blogs of 2024, we talked about inclusive travel and not letting two wheels limit you to four walls! This blog features four travel agencies dedicated to travel for those with accessibility needs and summarizes the types of trips offered. A must read!

#2: Aging + Social Work

We talk about something that is just not talked about enough: geriatric case management. This read explores how social workers can play a key role in helping maintain quality of life as we age (9+ ways!) and how to find one.

#3: Staying Healthy In The Heat

While we have recently shared tips for coping with the cold, one of our most ‘liked’ Senior Spotlights this year was one we wrote this summer. Our July heat wave imparted upon us the importance of sharing the 5 key ways that heat is harder on the body as we get older. Learn about heat exhaustion vs. heat stroke in this blog, as well as proactive steps to take to stay safe when temperatures rise.

#4: Building Your Balance Bank

This bank isn’t one made of money – it’s one that you can fill for free with time and intention. In ‘Building Your Balance Bank’, we define what good balance is, what critical role it plays in healthy aging and how to both test & improve your balance.

#5: 10 Benefits of Gardening As You Age

Personally, I have found gardening to be therapeutic both as something to do and something to view (ask me about Buddy's healing garden)! Dozens of sources agree, and this article shares 10 benefits of gardening from 6 reputable resources. A great primer as we prepare to plan our spring gardens (it’s never too soon!).

BONUS: Aging In California Resources Guide Now Updated

It’s more than worth noting that midway through 2024, the California Department of Aging launched a new toolkit focused on better organized information and tips to support the most common questions and challenges that older adults in California are facing. Bookmark this one for the changing needs of you and those around you.

_ _ _

If there is a topic you would love to see on our blog in 2025, please do not hesitate to reach out!

Best wishes for a safe and serene end to 2024,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Happy, Happy Holidays!

Sat, 21 Dec 2024 21:19:16 GMT

Thank you for continuing to support my relentless health battles!

Dearest Greetings Friends!

What a year it has been… and I am sure many of you feel the same! Buddy and I are thrilled to share a photo of our home aglow with holiday cheer below. After missing out on decorating the house last Christmas due to an unexpected hospital stay, we are ready and more than grateful for Christmas 2024.

I want to extend my most heartfelt thanks to all of you who continue to support my efforts to beat this relentless cancer. After 3.5 years with countless ups and downs, we are having a Christmas that we honestly were not sure we would be having. With a thankful heart for all of your encouragement, for the wisdom and dedication of my medical team and for the comforts of home – I will not take this holiday for granted. I am intentionally honoring this season by celebrating with my loved ones, working hard to be present and finding joy here and now. I hope you can find some quiet moments to do the same.

Please allow yourself time and space from the shopping and rushing about to be thankful for what you have and where you are at. May we all savor the chance to hug and appreciate loved ones who are THE most important ingredients for the Christmas Season.

Happiest of holidays to you and yours! Wishing you health, happiness and heartfelt cheer this holiday and always!

Biggest hugs,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: AARP’s Winter Wisdom

Thu, 19 Dec 2024 19:12:47 GMT

3 articles highlighting warmth, health and a good book! ;)

The actual start of winter is just days away… but the chill in the air and the frost in the mornings is already here! As we scoured the latest headlines for topics to help us live longer and live better this week, we noticed three articles from AARP that are a perfect complement to what’s on our minds this time of year.

Below we offer a brief description and links of how to stay warm but spend less, which symptoms can help differentiate between some common viruses and what to read as you cozy up under a warm blanket; enjoy!

Did You Know: Nearly 75% of Americans worry about their home’s heating costs?

For seniors on a fixed income, a surging energy bill can be a big blow to your budget. But as you may have seen a few weeks ago on our blog , coping with cold weather is a growing challenge as we age for many reasons. In ‘5 Ways to Slash Your Home’s Heating Bills’ , AARP shares 5 ways that you may be able to lower your heating costs by 20%. Definitely worth a read!

Did You Know: The seasonal flu, RSV and Covid-19 are all linked to increased hospitalizations and deaths in those age 65 and older?

Not all viruses are created equal, but if are an older adult, they all propose increased risk. We have no intention of scaring you, but we do encourage you to talk to your medical team and make educated decisions about which vaccines and treatments are right for you. In ‘Is It a Cold? The Flu? COVID? Or RSV?’ , AARP helps identify the most distinguishing symptoms of each of the top 3 seasonal viruses (did you know there is even an over-the-counter single test for all three now?!). This is NOT intended to replace or serve as medical advice but is offered as information to help keep you aware of what to look for as the season of sniffles and sore throats marches on.

Did You Know: Nearly 40% of those aged 65 and older read something fort personal interest every day?

If you love cozying up on the couch with a good book – you are not alone! Close to half of seniors read every day, and nearly 70% of older adults report books as their favorite reading material! In ‘37 of Winter’s Best New Books to Get You Through the Chilly Season’ , AARP shares a helpful list of over three dozen up and coming books in four categories. Which one looks like a winner to you?!

Cheers to a winter with all you need,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Will Silicon Valley Real Estate Outperform the Nation in 2025?

Sun, 15 Dec 2024 21:30:53 GMT

CAR® Former President Says Yes.

While real estate trends are often referenced and projected on a national level, nothing matters more than what is happening with housing in your own locale. The Silicon Valley real estate barometer often runs hotter and faster than the rest of the nation, and just recently an industry expert stated that 2025 will only amplify that effect.

Former California Associator of Realtors (CAR)® President & Treasurer Dave Walsh has predicted that “Silicon Valley will outperform the nation as a whole with 15% growth in closed sales.” With national home sales expected to increase 9% in 2025, CAR® projects that California home sales will increase 10.5%.

On a regional level, Silicon Valley home sales grew 15% in 2024 compared to 2023, and Walsh has stated that “There is not a marketplace in our valley that has not done really well this year compared to last year.” This fall alone, sales have surged since September, with 67% of sellers receiving over-asking offers on their homes. With demand heightened and far from dwindling, inventory continues to be a challenge – which is keeping values high. The average homeowner across the US holds $415,000 in equity, while the average Silicon Valley homeowner has $1.5 to $3 million in equity.

There is no crystal ball, but there is a great deal of data that depicts continued demand, stabilizing rates and increased sales are on the way. If past Silicon Valley real estate behavior is any indication of the future, 2025 could be a great year to keep building equity, maximizing your ROI and/or living in a region of opportunity. If you need help weighing your options and planning your strategy, please don’t hesitate to reach out.

Resource: Is Silicon Valley housing market on track to outperform the nation in 2025? This expert thinks so. (Palo Alto Online)

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

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/

In addition, here are a few year-over-year stats that we pulled for you to compare:

November 2023 Average/Median SFR Sales Price: $2,287,663/$1,728,165

November 2024 Average/Median SFR Sales Price: $2,573,036/$2,030,000

November 2023 Average/Median Condo & Townhome Sales Price: $1,056,904/ $928,000

November 2024 Average/Median Condo & Townhome Sales Price: $ $992,977/ $884,000*

*There are many factors in the price variations between SFSs and condos/townhomes. If you have questions about why the multi-family property sales prices decreased this year while SFRs increased, please feel free to reach out! Pricing trends are a discussion bigger than we can have on a blog, but really important! The average and median price trends within the county can vary greatly among communities, so please be sure to work with a trusted and local agent to discuss an accurate property valuation. ��

Also note that year-over-year, months of inventory have declined from 1.3 to 1 for SFRs and from 2.5 to 2 for multi-family units.

Learn more: SAMCAR® Market Data

All my best,

Bobbi

Senior Spotlight: What Is The Optimal Age To Retire?

Thu, 12 Dec 2024 19:11:12 GMT

You guessed it: it’s different for everyone!

The retirement age is changing, and something we have talked about on our blog over the years. While older adults are living longer and that sometimes means working longer, there are other considerations that impact retirement age: lifestyle, physical and mental health, financial position, a spouse or partner’s retirement plans, relocation of adult children & grandchildren and more!

Boston College reports that the average retirement age is 64.7 for men and 62.1 for women. From a practical perspective, Social Security benefits can be taken in full at age 66 or 67 (depending on the year you were born according to Investopedia ) and claimed as early as 62 but with a 25-30% benefit reduction. Medicare eligibility begins at age 65. Gallup reports that from 2003-2022, the actual retirement age was 2-5 years less than the expected retirement age.

In general, the strategy is that the earlier you retire, the more savings and retirement assets you will need. US News recently published an article talking about the pros and cons of different ages to retire and suggested that “Retiring in your mid-60s still makes sense for many people. At this point, you are old enough to have hopefully amassed sizable savings, but you are still young enough to enjoy active pursuits such as travel.”

Smart Asset recommends considering the following factors when deciding what age to retire:

• What type of lifestyle you’d like to have in retirement

• How much money you’ll need monthly and annually to sustain that lifestyle

• Your current retirement savings rate and existing assets

• The investment strategy and risk tolerance

• How long do you anticipate living in retirement

• Which income sources do you expect to have (i.e. Social Security, a 401(k) plan, pension, taxable accounts, etc.)

• How much do you anticipate spending on healthcare and whether long-term care may be necessary

• What your tax situation will look like in retirement

The FIRE Movement (financial independence, retire early) has been highlighted in recent years, and advocates intentional planning to retire before age 65 though some combination of actively saving, aggressively investing and creating a portfolio of passive income. Learn more here .

On the other hand, retiring in your 70s allows more time to accumulate wealth, and can foster an increased sense of purpose and enhanced social interaction for those who have a positive work environment.

An approach that is becoming more common is a phased retirement approach, in which older adults choose to stop full-time work at a certain age, and then pursue consulting, part-time work or a more beneficial employment change that slowly leads them into retirement.

If you are already retired, did you choose an immediate or passed approach? Do you wish you had retired earlier or later? What advice would you give to someone retiring today? We’d love to hear!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Latest San Mateo County Stats

Mon, 09 Dec 2024 20:19:28 GMT

Median sales prices are up month-over-month!

Welcome back to the Bobbi Decker Real Estate Blog! This week we are taking it a little more local by sharing with you some home sales statistics from our home region… San Mateo County. While the election may have contributed to a bit of a pause, along with seasonal trends that we see as winter approaches, you’ll see that Silicon Valley real estate never really stops.

The San Mateo County Association of Realtors (SAMCAR)® released an infographic just 3 days ago that reveals where home prices, days on market and inventory landed in November compared to October. You’ll see that median sales prices are up 7% for single family homes (1% for condos & townhomes), and that days on market has decreased for SFRs as well. Listings are down double digits for homes, and single digits for condos and townhomes. Homes are receiving 105% of list price on average, while multi-family properties are averaging 100% of list price.

In addition, here are a few year-over-year stats that we pulled for you to compare:

November 2023 Average/Median SFR Sales Price: $2,287,663/$1,728,165

November 2024 Average/Median SFR Sales Price: $2,573,036/$2,030,000

November 2023 Average/Median Condo & Townhome Sales Price: $1,056,904/ $928,000

November 2024 Average/Median Condo & Townhome Sales Price: $ $992,977/ $884,000*

Also note that year-over-year, months of inventory have declined from 1.3 to 1 for SFRs and from 2.5 to 2 for multi-family units.

Learn more: SAMCAR Market Data

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

In addition, here are a few year-over-year stats that we pulled for you to compare:

November 2023 Average/Median SFR Sales Price: $2,287,663/$1,728,165

November 2024 Average/Median SFR Sales Price: $2,573,036/$2,030,000

November 2023 Average/Median Condo & Townhome Sales Price: $1,056,904/ $928,000

November 2024 Average/Median Condo & Townhome Sales Price: $ $992,977/ $884,000*

Also note that year-over-year, months of inventory have declined from 1.3 to 1 for SFRs and from 2.5 to 2 for multi-family units.

Learn more: SAMCAR® Market Data

All my best,

Bobbi

Senior Spotlight: Coping With Cold Weather

Thu, 05 Dec 2024 18:34:09 GMT

Resources for feeling your best when temperatures drop!

Are you feeling the chill in the air? Even though we are in California, and we enjoy the benefits of a warm climate, we are still in our chilliest time of year! With overnight temperatures often in the 40s, and daytime temps in the 60s, you may notice that certain aspects of your health and comfort are impacted.

This week, we wanted to share some resources that validate how the cold really does impact our health as we age, and what we can do about it!

AARP | 5 Conditions that Cold Weather Makes Worse and How to Cope

Did you know that the following health conditions are all impacted by the cold: 1) Dry eye disease; 2) Asthma; 3) Raynaud’s disease; 4) Eczema and 5) Arthritis. Learn more about why and what to do here.

National Institute On Aging | Cold Weather Safety for Older Adults

The NIH discusses how older adults have a higher chance of being impacted by cold weather. They cite how diabetes, thyroid problems, Parkinson’s disease, arthritis and even memory challenges make it harder to stay warm. Read about preventing unsafe exposure and staying warm indoors here .

Today’s Caregiver Magazine | Why are Seniors Always So Cold?

This article provides helpful explanations of what factors contribute to sensitivity in older age (such as low blood pressure, poor metabolic rate, loss of elasticity in blood vessels and so much more!) plus which medical conditions contribute to being cold and what signs of cold sensitivity to watch out for. This is a great read for seniors and those who support them!

While there are countless other resources that discuss coping with the cold as we age, the best advice will come from your own medical team and trusted providers.

Too often with aging, we accept that discomfort is just a part of aging. However, if you feel you cannot keep warm, are noticing an increased sensitivity to lower temperatures or have any questions at all – please make an appointment with your doctor. You deserve to feel your best – in all seasons!

Warm regards (pun intended!),

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 2025 Home Design Trends

Sat, 30 Nov 2024 20:26:02 GMT

3 design leaders share what to get excited about inside & out!

December is here! The last month of 2024 is not only a time to reflect and recharge, but a time to re-focus your priorities. Nearly every one of us has a goal that is home-related in the New Year, whether it be a desire to simply enjoy our homes more, a mass renovation project or a small re-design to our favorite space. In the spirit of getting inspired, we are sharing the top 2025 projected design trends as reported by Real Simple , Forbes and Southern Living .

In general, the movement is away from minimalism, all open living and monochromatic tones. Designers are implementing warm tones (lots of red and earthy vibes), more natural materials and textures (stone, brick, cozy woods), bolder style via brighter colors and layered patterns and textures, as well as some nostalgia – look for some 70s and 80s revival via velvet, brass and rattan accents.

While you can read the articles in full on Real Simple , Southern Living and Forbes – we have listed the 5 features of each article that we believe summarize what 2025 could bring. We hope you get excited about how to enjoy your space best in the New Year. With so many cyber sales and end of year events going on – this might be the time of year that it makes ‘cents’ to do a little shopping! Have fun!

Real Simple

#1: Bold patterns & maximalism

#2: Warm, earthy tones

#3: Retro influences (think 70s & 80s)

#4: Wallpaper accents

#5: Dark wood

Southern Living

#1: Color-drenching

#2: Casual dining

#3: Dedicated spaces (less all open)

#4: Playing with tones (one color, different shades)

#5: ‘Honest’ materials: wood, brick, stone

Houzz (As Reported In Forbes)

#1: English-style kitchens

#2: Arches (doorways, mirrors, frames)

#3: Shower rooms & wet baths

#4: Woven & mesh cabinet fronts

#5: Multiple outdoor cooking options (smokers, pizza ovens, specialty grills & BBQs)

If you have a home design trend that you are excited about – feel free to let us know! We love to get inspired by you too!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Happy, Happy Thanksgiving!

Mon, 25 Nov 2024 19:44:19 GMT

The word ‘thankful’ is never enough…

Our favorite holiday of the year is here, and not just because of who is at the table, but for all that this holiday represents. As life has urged me to prioritize my health over the last several years, you’ve no doubt seen the theme of gratitude and presence emerge even more in our blogs. As Thanksgiving approaches, my focus on thankfulness is even stronger.

I have no doubt that most of us share the same sentiments of gratitude for our homes, our health (even amidst the struggles!), our loved ones, our pets (past and present), our pantries full of food and our beds piled with warm blankets. But may we not stop there. I challenge us all not to just feel gratitude – but to act on it.

Let’s tell those we are thankful for what they truly mean to us. Let’s make time to make even more memories with those who are still here, and to find ways to honor those who are not. Even more importantly, let’s find ways to give to those who are not as fortunate, and not just at the holidays. There are countless food banks, mental health organizations, animal rescues and more who need our time and our support now – and in the months and years to come. Let us choose this Thanksgiving to be the one where we do not just talk about gratitude – but strive to intentionally live by it.

Wishing you and yours the gifts of this holiday and all that is empowers us to do and be,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Gratitude + Aging Well

Thu, 21 Nov 2024 18:00:54 GMT

The connection is proven according to the National Council On Aging!

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” (John F. Kennedy)

As Thanksgiving arrives next week, it’s a natural time to turn our hearts and minds towards what we are thankful for. Those of you who now me also know that this is my favorite holiday, and most of us would agree that it’s unfortunate we wait until this time of year to focus on what we are grateful for; why don’t we do it all the time?

The National Council On Aging (NCOA)® agrees – and this fall published an article about how not only can being thankful help us feel happier, it can also improve our health! In the article titled ‘The Many Gifts of Gratitude and Its Role in Aging Well’ , we are reminded that "When things are going well in our lives, it can be relatively easy to express gratitude. But what happens when things are not going so well? It’s at these moments when we need gratitude the most."

Furthermore, when we intentionally embrace and express a sense of gratitude, our brains release serotonin and dopamine, two chemicals that are linked to pleasure and a positive mood. The NCOA® states that these higher levels are strongly linked to:

- Improved sleep: Gratitude lowers stress & anxiety, which in turn makes it easier to fall asleep and stay asleep.

- Reduced Depression: A growing body of research links gratitude to an increase in optimism and resilience in the face of challenges.

- Calmed Nervous System: Expressing gratitude can help calm the ‘fight or flight’ response that occurs in your nervous system, by lowering heart rate.

- Lower Blood Pressure: The American Heart Association even advocates that incorporating thankfulness into daily routines lowers blood pressure, thus protecting heart health and even improving our body’s ability to fight off illness as we age!

Check out this inspiring graphic from the American Heart Association below and be sure to share the health benefits and practice tips with those you love. The only thing better than living with intentional gratitude – is being surrounded by it in those you love.

With sincere thanks to you and heartfelt gratitude for the gifts of the year,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: NAR® Predicts The Worst Is Over

Mon, 18 Nov 2024 18:05:58 GMT

With regards to the housing inventory shortage.

November is flying by; the Thanksgiving countdown is on – and with all that excitement you may have missed the latest housing analysis and predictions from the National Association of Realtors® . On November 8, 2024, a NAR® news release stated some key revelations with regards to where housing is at and where it is headed.

We encourage you to read the full release ‘ NAR Chief Economist Lawrence Yun Forecasts 9% Increase in Home Sales for 2025 and 13% for 2026, with Mortgage Rates Stabilizing Near 6%’ , and have summarized the 5 key forecasts below.

#1: Household equity is at a record high – now $35 trillion. Homeowners have a median net worth of $415,00 while renters median net worth is $10,000.

#2: A new ‘normal’ of mortgage rates is an expected ‘bounce’ between 5.5-6.5%, with Yun predicting four more rounds of rate cuts in 2025.

#3: Job additions and stabilizing mortgage rates are good news for inventory, which has already seen an increase in pending home sales in September of 2024.

#4: NAR® predicts new home sales to be 11% higher in 2025 and 8% higher in 2026.

#5: NAR® expects existing home sales to rise 10% in 2025 and 2026.

Are you excited for what 2025 could bring? Are you thinking about your future real estate goals as you reflect on your current comforts of home? This end of year season is an ideal time to enjoy and appreciate what you have, and manifest how you can best enjoy it!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Inclusive Travel

Thu, 14 Nov 2024 19:06:30 GMT

Accessible options for living life to its fullest.

Did you know that wheelchair use in seniors has increased over 30% from 2011 to 2019, according to the National Institute of Health ? Of the 3.3 million Americans who are in wheelchairs, approximately 1 million are aged 65 and older. Those in wheelchairs are reportedly much less likely to go outside, much less travel, which leads to significant physical limitations and experiences, as well as decreased social and emotional health due to isolation.

But a new article from Next Avenue inspired us to see that there is a whole world out there beyond the chair – and there are actually several distinct travel agencies that have been founded to ensure accessible and inclusive travel for all.

Four of the inclusive travel agencies mentioned in the article “Exploring the World Off the Beaten Path — Using a Wheelchair” are: Easy Access Travel , Wheel The World , Planet Abled and Travel For All . While we are not endorsing these agencies nor have we used them, we do want to share the types of features they offer so that you can research for yourself. After all, inclusive travel can be a pathway to living longer, living better and not allowing physical limitations to shrink your retirement travel hopes.

General Information:

- Most inclusive travel agencies have a target audience of older adults and inter-generational audiences, but are well-equipped to serve diverse ages, cultures, needs and abilities.

- While most accommodations support physical disabilities, most agencies also account for the anxiety and soft-skill communication needs of planning for those with mobility issues.

- Accessible travel options are incredibly diverse, including but not limited to: US travel, international travel, pre-planned group trips, customizable experiences, ‘bucket list’ options and fully accessible cruises.

- Some tour operators enable you to create your own accessibility profile online and sort relevant matches; virtually all of them offer consultations and travel experts to ensure a fit with your needs and the trip you are planning.

- Accessible travel is not just about doorway width, elevators and spaces that fit wheelchairs, but about inclusion in experiences and things to do: examples include adaptive surfing, adaptive hiking, dog sledding, flightseeing, spa experiences and historic exploration.

- Many agencies include innovative technology, adaptive devices, accessible mobile applications and various digital and practical, technological solutions.

A great source for inspiration is the Wheel The World Blog which offers a frequently published blog on topics such as the Best Wheelchair Accessible Things to Do in Kalamazoo , Best Accessible Cities in Europe for 2025 and How to Choose the Best Travel Agents for Disabled Travelers .

Our hope for you in reading today’s blog is that you feel more empowered and less confined, that you are encouraged to see obstacles as stepping stones and not barriers, and that your world is only limited by your desires and not your comparison to what others can do.

Cheers to happy, healthy traveling in the rest of 2024, all of 2025 and beyond,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Thank You Veterans

Mon, 11 Nov 2024 19:20:02 GMT

We honor the sacrifice of all who serve & have served: past, present & future.

There is only one message on our minds today:

Thank You Veterans.

This day means more to us than nearly any other holiday, with Memorial Day and Thanksgiving of great importance too. There is no cause more worthy of celebration than gratitude for those who have fought for, upheld and protected our freedom. The lives we lead today would not be possible without the sacrifice of those who have served and of course, their families too.

On this Veterans Day and each day that we enjoy our freedoms, may we never forget those who have given their all that they can so that we can enjoy all that we have. May the hard work, courage, perseverance, commitment and integrity of those who have served remain at the forefront of our hearts and the core of our purpose.

Thank you service men, service women, their families and all who have embodied the bravery to create & preserve the land of the free.

With heartfelt thanks beyond measure,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Long-Term Care Awareness Month

Thu, 07 Nov 2024 18:36:36 GMT

Don’t wait until you need help to plan for it.

Benjamin Franklin once said that "In this world, nothing is certain except death and taxes.” He forgot one thing that happens along the way… aging. It is inevitable that our health and lifestyle needs will change as we age; we don’t when or how – but the reality is that we will all need help in some capacity as we age. In honor of Long-Term Care Awareness Month being observed in November, we wanted to share some considerations for your own planning purposes.

According to an AARP survey, only 28% of adults over 50 have given a lot of thought as to how they can continue to live independently as they age. The Department of Health and Human Services reports that 1 in 5 of us will need significant long-term support as we age. While full long-term care refers to help with basic daily activities as bathing, dressing, cooking/eating and driving – there is also a range in between of moderate help that is often needed.

Critical long-term care considerations include:

- As my health needs change, do I have a family caregiver to help me? Will this support be paid or unpaid?

- What types of care does insurance and/or Medicare cover?

(According to AARP : “Traditional Medicare, the public health insurance program for people 65 and older and disabled individuals who are younger, doesn’t cover long-term care beyond some skilled care right after hospitalization for an injury or illness. Some Medicare Advantage plans from private insurers offer limited supplemental coverage for services like meal delivery and rides to medical appointments.” )

- If you are a veteran, have you looked into long-term care through the US Department of Veterans Affairs?

- Have you openly talked with your family about who will make health and financial decisions for you if you are unable?

- Are you aware of the average costs of in-home help, assisted living and skilled nursing?

- When is the last time you talked to your financial advisor about planning for how to pay for long-term care, and how much you may need?

Life care planners have shared that the two biggest challenges in long-term care planning are waiting until it’s too late and being misinformed or making assumptions about what Medicare will pay for.

Jennifer Crowley, a registered nurse, life care planner and author, states that “If you wait too long, decisions are more likely to become someone else’s decisions, not your own.” The article How to Talk to Your Loved Ones About Long-Term Care Planning offers some helpful guidance for starting a conversation with your loved ones and moving past denial into action.

Proactivity can truly lead to a more purposeful and prepared process as you age. Being able to manage what we can, while accepting what is out of our control, is a delicate balance that cannot be achieved unless we live with intention.

Cheers to planning for peace of mind,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Emerging Million Dollar Markets

Mon, 04 Nov 2024 18:31:52 GMT

Guess which California city in the Central Valley is on the list!?

Happy Monday & Happy November! 2024 is truly flying by and the end of year trends are often telling of what’s going to come in 2025. If you live in the Bay Area, you know that a million-dollar median home price has been your reality for quite some time – but there are some cities poised to hit the mark, who never saw it coming! Yahoo! Finance recently published an articled titled “Millionaire In 10 Years? These Real Estate Markets Might Take You There” , which revealed some major housing markets in the West & Midwest which are projected to join the “million-dollar club” in the next 10 years.

The analysis, conducted by Realtor.com® , looked at price trajectories in America’s 100 largest metros from 2014 to 2019, and then created growth trajectories in the next decade based off median home prices today. In general, the up and coming “million-dollar markets” are cities located near existing high-cost areas, in which residents are venturing outward. Prices are also impacted by land constraints; thus, homes being built where there is a lot of land (i.e. the Sun Belt) are not experiencing the price surges of areas with less room for growth.

Here are a few million-dollar club projections:

- Boise, Idaho

o Current Median Home Price: $464,578

o Projected 2033 Median Home Price: $1.2 million

- Stockton, CA

o Current Median Home Price: $579,292

o Projected 2033 Median Home Price: $1.4 million

- Sacramento, CA

o Current Median Home Price: $557,522

o Projected 2033 Median Home Price: $1,103,325

- Seattle, WA

o Current Median Home Price: $694,351

o Projected 2033 Median Home Price: $1,485,885

Other cities on the list include: Salt Lake City, Utah; Portland, Oregon; Colorado Springs, Colorado; Denver, Colorado; Boston, Massachusetts and Honolulu, Hawaii.

Note that Stockton holds the projection for the highest median growth rate of 58% in the next decade, a level only expected to be matched by Boise. Most of the cities are poised for growth rates of 40-50%, while Honolulu and Boston hover in the 26-29% price growth projection.

This may be valuable information for those looking to invest, make a purchase in a market with a potentially high ROI and for those deciding where to move before affordability becomes out of reach.

Have a great first week of November,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Luxury Life Plan Communities

Thu, 31 Oct 2024 18:18:03 GMT

High-end, lifelong care – it does come at a cost.

Luxury campuses. Life plan communities. Continuing care housing. These are all terms used to describe an aging option for those who want a high-quality and long-term housing plan and are willing to pay a price to match. Realtor.com® recently featured an article that originally debuted in The Wall Street Journal , revealing a Silicon Valley trend in which wealth, health and lifestyle collide.

This senior housing model is essentially a luxury life plan community, in which seniors enter independent apartments and then can move to more nursing-like care as they age. Senior housing research indicates that occupancy rates in independent retirement living communities are at 80%, and premier life plan communities (which are rarer) are typically full with waitlists of two to five years.

Features:

- Typically, an upfront payment of $100,000 - $400,000, which can go as high as $7 million

- Ongoing monthly fees are typically $4,800 (national average) to as high as $14,000

- Some communities offer a lower entry fee, but a higher fee for nursing care

- Amenities include but are not limited to housekeeping, valet parking, performances, educational lectures (many are near colleges such as Vi in Palo Alto near Stanford), and countless other amenities such as fitness and aquatic centers, clubs and more

- Resident contracts work like memberships with terms that lock in rates for varying levels of care as health needs change

- Contracts are typically inclusive of all potentially needed services, which means access and costs to care are stable

Some residents cite the two biggest benefits as the quality of life and the ‘gift’ to their children as not being a burden as they age. While the costs are high, some retirees say that not having to pay real estate taxes, having a flat fee for increasing care and the comfort of knowing their needs will be met is priceless.

There is no doubt that luxury, life plan communities are a niche market that few can afford. Typically, they exist in high-end markets such as Silicon Valley and distinct metros in New York, though smaller communities of this caliber do exist in Ohio and Connecticut. “You’re not going to find a $6 million entry fee in the middle of Iowa,” says Lisa McCracken from the National Investment Center for Senior Housing & Care.

No matter what your budget allows, you cannot afford NOT to think about what your own life care plan could look like, and how your needs are going to change as you age. Our decades working with seniors has taught us that the hardest moves you have to make are those you didn’t see coming. Please don’t wait until you have a health crisis to discover that your current living arrangement isn’t malleable to meet your future needs. Planning is power!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Consumer Sentiment Reaches 6-Month High

Mon, 28 Oct 2024 18:52:23 GMT

What factors impact this score?

It’s no secret that our actions and behaviors are driven by what we know and how we feel, and the link between consumer optimism and spending is no exception. Last week, the latest report from the Michigan Consumer Sentiment Index, the national measure of US consumer confidence levels, revealed the highest consumer sentiment index levels since April. The actual figure came in at 70.5, 1.5 points higher than economists at both The Wall Street Journal and Dow Jones Newswire predicted. But what does it all mean?

Michigan Surveys of Consumers Director, Joanne Hsu, summarizes that “This month’s increase was primarily due to modest improvements in buying conditions for durables, in part due to easing interest rates.”

The Federal Reserve notably cut interest rates in mid-September, and economists have seen measurable signs of unexpected strength in the labor market, consumer spending and the broader economy. Jobless claims have fallen by 15,000, retail sales have risen by 0.4% and consumer inflation expectations are in line with pre-pandemic averages. The GDP (Gross Domestic Product) has risen from 1.4 in Q1 to 3% in Q2 to a projected 3.3% in Q3 as well.

Analysts cite two additional possible reasons for the increase in consumer sentiment beyond rates. First of all, the coming election and political optimism for the party that projects they are going to win are likely playing a role. Second, there has been a change to methodology of the consumer sentiment index, as the University of Michigan has been gradually transitioning its collection of data methods from a phone survey to integrating online interviews. Some economists theorize that this change has resulted in a negativity bias in online responses, ‘potentially resulting from not interfacing with another human when taking the survey.’ Thus, while the 6-month high is notable, it may have been even higher if the drop in optimism had not occurred with the methodology change.

Sources Used: Consumer Sentiment Hits Highest Levels Since April, Consumer Sentiment Hits 6-Month High, Exceeding Expectations

Have a great end to October!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Self-Isolation vs. Self-Awareness

Thu, 24 Oct 2024 17:39:43 GMT

You can recalibrate your social life without reducing it!

Let’s be honest: most of us don’t go out as often as we did in our twenties – and probably don’t want to! �� Next Avenue recently published an article about how older adults tend to stay in more – with tips on how to determine when it’s a concern.

After the latest U.S. Surgeon General’s Advisory on “Our Epidemic of Loneliness and Isolation” , as well as the often talked about risks of isolation as we age, it’s important to be able to identify if the danger zone is near.

One way that Caitlin Coyle (Director of the Center for Social & Demographic Research on Aging at the University of Massachusetts Gerontology Institute in Boston) explains it is that “Most people in their twenties to their forties are building social capital in their career through networking or trying to meet a mate and that frequently entails going out to dinner and socializing in bars; as they enter their sixties, they've built their social capital and now it's time to spend it.”

So, what exactly does ‘spending your social capital’ in your 60’s and beyond look like?

1) Think quality over quantity. Most older adults are secure enough in themselves that they are not looking to others for confidence, but for deeper connection. Having a few close friends may be more fulfilling than having a wide network of surface level relationships. This is especially important in navigating the challenges of aging and being surrounded by those you can ‘be real’ with.

2) Intentionality over obligatory. In our younger years, we often feel obligated to attend ‘all the things’ – the work parties, the industry events, the reunions and family gatherings. Older adults may be more selective in how often they want to get out, and may choose very intentionally what engagements are valuable, comfortable and fulfilling.

3) Recalibrate support, but do not reduce it. The largest drawback of limiting your social circle is also limiting your access to support. While the experts assert that ‘many people in their sixties no longer have the energy to maintain a large, extensive network of friends’, it is invaluable to ensure the connections you have can help you thrive. Examples include having someone who can drive you to the grocery store, talking through the next steps of managing a health condition or helping you access information and resources for your changing needs.

For more information plus ‘5 Ways to Be More Engaged’, we recommend reading ‘Staying In More? When to Worry’ from Next Avenue .

Cheers to staying happy, healthy & connected,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market: Remodeling Trends By The Numbers

Mon, 21 Oct 2024 18:25:56 GMT

Renovations surged during the pandemic – and have not stopped yet.

There is no place like home, especially when you’ve taken the time, energy & money to make it your own! Based on data from the Joint Center for Housing Studies of Harvard University and their Leading Indicator of Remodeling Activity (LIRA) report, US homeowners are continuing to spend money on home improvements and projects, albeit at a slightly slower pace than during the peak of COVID-19.

Q3 calculations for home spending on remodeling are expected to come in at $5 billion more, landing at $477 billion. This projection is based on building material sales and the number of remodeling permits issued.

Here is a little statistical breakdown of when renovations roared and where we are at today:

- The ‘big boom’ of remodeling started during the pandemic and lasted about 3 years – with spending growth on home projects jumping 10-15%

- 63% of homeowners prefer to remodel their current homes instead of moving into already upgraded residences

- 35% of homeowners are making improvements to repair damage, while an equal number, 35%, cited increased comfort as a driving force

- 31% of homeowners also state that personalization is key, while 30% are also keeping ROI and future value top of mind

- Renovations do not always come up roses; 41% of homeowners report significant delays and 78% admit they went over budget in their last completed project

- The most common major upgrades are bathroom remodels (37%), interior painting (33%), and heating and air-conditioning upgrades (30%)

- The most common minor renovations reported are new faucets (36%), new light fixtures (35%), and small kitchen updates (34%)

While the rate of remodeling is only expected to grow 1.2% as of Q3 calculations, Abbe Will, (Associate Director of the Remodeling Futures Program at LIRA) declares that there is “…still a phenomenal amount of spending—way more spending than what we saw in 2019, before the pandemic.”

Perhaps one silver living of a very dark cloud is that we learned to truly embrace the importance of home, take great pride in it and curate our residence as a true sanctuary for the lifestyle that brings out the best in each of us.

Cheers to where the heart is,

Bobbi

Resource Used: America’s Renovation Boom Is Leveling Off—but Still Going Strong (Realtor.com®)

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomers Are Making Moves To These 10 States

Thu, 17 Oct 2024 17:24:03 GMT

Plus, the 10 states that cost the most to retire in!

Two main questions run through most of our minds as we retire: What are we going to do with our ‘free’ time? How are we going to afford it? The largest costs of retirement are the things that we need, not the things that we want, such as a manageable house payment, sustainable grocery and gas bills and quality health insurance. How much the practicalities cost determines how much you have left for the fun stuff, right?

As such, you have no doubt considered where you live is financially feasible and desirable for this stage of your life. While most studies show that retirees want and plan to age in place, there are times when making a move can improve quality of life and finances. Both AARP and Yahoo! Finance recently published some ‘Top 10’ data on what states retirees are flocking too, and the ones fixed income residents are most likely to flee.

AARP has updated an article on 5 Reasons to Relocate in Retirement with the 10 states retirees are moving to the most, based on data from consumer finance website SmartAsset .

Top States For Retiree Moves

These 10 states had the highest net migration of people 60 and older (the number moving into the state minus the number moving out):

1. Florida

2. Arizona

3. South Carolina

4. Texas

5. North Carolina

6. Georgia

7. Alabama

8. Tennessee

9. Nevada

10. Kentucky

Top reasons cited for retirement location are: lower housing costs, closer proximity to family, better weather, a lifestyle ‘reboot’ and tax benefits (such as states with no income tax or exempt retirement income).

10 Most Expensive States for Baby Boomers

There are few surprises on this list, and probably not much shock that California appears here. In terms of the states with the highest expenditure costs for different generations, Yahoo! Finance reports the most expensive states for Baby Boomers as:

1. New York

2. Oregon

3. New Hampshire

4. Rhode Island

5. Alaska

6. New Jersey

7. Washington

8. Massachusetts

9. California

10. Hawaii

Factors impacting cost of living here are household median income, Boomers’ average monthly expenditure costs (highest cost in most of these states is health care) plus the overall cost of living both monthly and annually.

As always, your individual situation may vary; a retirement relocation may or many not benefit you. The goal of providing information such as this is to provide perspectives on the costs of retirement, what you value both financially and personally and where you can write your next, best chapter.

One great way to decide what you love about different locations is to travel, though we never need an excuse for that! ��

Happy fall,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Interior Design Trends 2025

Mon, 14 Oct 2024 17:57:53 GMT

New year, new designs. Here’s what to expect!

2025 is only 3 months (actually less!) away! As we prepare to reflect on 2024 and sink into the sanctuary our home provides for the holidays – take a look around. Are there any spaces in your home that could use a design update? Whether seeking a whole house refresh or just adjusting the focal point in a few key areas, we have some design trends that are expected to be big in the year to come.

As always, every designer and home style expert will have a different outlook on what is ‘in’ and what is ‘out’. Combined with personal tastes, varying budgets and existing home styles and there is NO way that every idea can (or should!) work for every home. Below we have coupled the top 5 ideas we’ve seen echoed throughout the various publications on this topic. Do any of these resonate with you?

#1: Leveled-Up Minimalism: While less clutter is still ‘in’, designers are talking about trends ranging from ‘minimalism with a cozy twist’ to ‘warm minimalism’ to even the talk of ‘maximalism’ in some circles. While we doubt that the abundance and excess of maximalism will take over the style scene – the bottom line is that stark minimalism and over-the-top scarcity of color and pattern is over.

#2: Textured Walls & Ceilings: Plain is in the past according to Decorilla, one of the many industry publications promoting transformation. With the idea that a focal point can have more to do with feel than look, expect to see an increase in decorative plaster finishes, wallpapered accent walls and even ceilings and resurgence in wood paneling. The idea is to add depth and visual interest via grounding focal points.

#3: Home Wellness Spaces: The post-covid era has renewed the prioritization of not just physical health – but mental health too. Wellness spaces in the home can cater to both as home gyms, yoga studios, meditation zones and spa-like bathrooms offer a retreat away from stressors right within your home.

#4: Artisanal & Handcrafted Touches: You can buy almost anything from a mass production line, but why would you want to? Platforms like Etsy and local vendor fairs make it easier than ever to shop local and buy something personal. Handmade items add character and craftsmanship to any space; items such as handcrafted ceramics, one-of-a-kind furniture and handwoven textiles can really add an unparalleled anchor to any room.

#5: Discreet Tech: We cannot talk about home design in Silicon Valley without talking about some of the ways that smart home functionality impacts design. Seamlessly integrating speakers, wireless charging furniture, voice controlled lighting and hidden cords is important in ensuring your home isn’t bombarded by the appearance of boxes and wires. The idea is to have it all – without seeing it all!

Runners-Up: These design trends are what we call ‘runners up’ in the 2025 design trends to watch: moody, color drenched rooms; indoor swings; pattern mixing, statement lighting & biophilic design (bringing the outdoors in!).

Happy designing,

Bobbi

Resources Used: Homes & Gardens , Decorilla , Essential Home EU

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Aging + Social Work

Thu, 10 Oct 2024 18:52:49 GMT

Do you know what social workers can do to support older adults?

We all know that social work is a profession defined by the dedication to helping others improve their lives, perhaps those who help children and economically vulnerable populations come to mind first. Did you know that social workers can play a key role in helping older adults as they age, and that there is a field of social work focused on geriatric case management? This new-to-our-Senior-Spotlight topic may be new to you too – but we believe it may be invaluable to many of us and our families as we age.

Next Avenue recently published an article titled ‘Help All Around: Social Workers Play Crucial Role in Our Well-Being’ which summarizes how “the primary focus of social work is enhancing the psychosocial, emotional and behavioral well-being of individuals, families and groups.” The article provided a relatable example of how a social worker guided a woman with a broken hip as well as her daughter and medical team to manage multiple medical conditions and care options, ultimately leading to some tough decisions about quality of life and comfort care. While the outcome could not be changed, the adult daughter of the patient described the social worker’s support as validating, compassionate and supportive. This sounds like something we all need when walking the hardest roads in life.

Clinical social workers provide 60-70% of mental health services, and Next Avenue reports that many accept Medicare or other health insurance. There are nearly 140,000 geriatric social workers in the United States, and this field is ranked as one of the top 20 careers in terms of growth potential by the John A. Hartford Foundation .

- Discuss difficult topics and complex issues

- Make home visits and suggest services

- Address emotional concerns and provide support

- Make short- and long-term plans

- Evaluate in-home care needs

- Coordinate medical services

- Refer to other care specialists

- Evaluate potential living arrangements

- Provide stress relief to caregivers

To find a geriatric care manager, you may call the Aging Life Care Association online or call 520-881-8008. You can also search the California Department of Social Services (CDSS) agency listing by county here .

May we utilize the resources available to live longer & live better,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: CAR® 2025 Housing Market Forecast Is Here

Mon, 07 Oct 2024 18:37:35 GMT

See our custom graphic summary!

It’s the last quarter of 2024 and you know what that means – the 2025 real estate projections are rolling in! While there is no crystal ball, there are a lot of economists, analysts, financial advisors and housing industry professionals who have a lot to say abut what may come. As always, we encourage you to use the data available as a basis to perform your own due diligence and make your own informed decisions.

One resource we wanted to add to your library this week is the 2025 California Housing Market Forecast from the California Association of Realtors® . Just published at the end of last month, you can read the release in full HERE .

The graphic above summarizes the key points; we also want to add that housing affordability levels are expected to remain the same in 2025 as in 2024.

C.A.R. Senior Vice President and Chief Economist Jordan Levine summarizes that “Price growth is expected to be slower, but the housing shortage will keep the market competitive outside of big economic shocks, so prices will still rise. Assuming a healthy economy in 2025 that slows but doesn’t shrink, home prices should rise modestly across California, with the state’s median price climbing 4.6 percent to reach $909,400 in 2025.”

Note that this data is projected as it pertains to statewide averages and trends; as you know our Silicon Valley micro markets (and all micro markets!) vary greatly. Please be sure to chat with local, active industry experts to ensure you gather the data most relevant to your situation.

Best wishes this October,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Recognizing the Importance of Retaining Boomers In Workforce

Thu, 03 Oct 2024 17:46:09 GMT

Two words: Knowledge. Transfer.

“More and more baby boomers are riding off into the sunset, and the workforce will never be the same.” (The San Diego Union-Tribune) The labor shortage is very real for a number of reasons, and one of those pertains to the unbalanced workforce trend. With the US birth rate declining over the last 20 years, families getting smaller and the ‘gig’ economy impacting generational career growth – we may be saying goodbye to a workforce that we may never replicate. Yet life expectancy is increasing, Baby boomers are working longer and many are not looking to retire soon. And the San Diego Union-Tribune reports there is something we should do about it.

Plan for a knowledge transfer. Journalist & author Phil Blair has drawn attention to the advantages of having Baby Boomers on the payroll, namely “a reliable workforce that can help you with knowledge transfer and mentorships.” Employees over age 50 are 5X less likely to change jobs compared to those aged 20-24, plus a Gallup Poll reports that Baby Boomers are the least stressed and most engaged of any employee age bracket.

With decades of hard work invested into their careers, unrivaled depth of knowledge and experience and a longer retirement timeline – there is a lot we can and should learn from Baby Boomers, and Blair suggests 3 ideas how:

(From the ‘Why hiring and retaining baby boomers is a critical strategy for employers’ as published on 9/16/24 in the San Diego Union-Tribune)

1) Capitalize on millennials’ desire to advance in the organization. They’re more inclined to recognize the expertise of baby boomers, and they also know that learning from them will likely lead to new opportunities.

2) Encourage a give-and-take ecosystem that opens opportunities for millennials to share technical knowledge with baby boomers.

3) Consider offering flexible schedules and part-time work to anyone considering early retirement.

What is refreshing about the advice above is that it’s just that – recommended action. We too often hear about the silver tsunami, a retirement wave, a lack of career employees… but there is something we can and should do about it. Truly ‘see’ our experienced workers for who they are, the value they bring and implement strategies to embrace the knowledge they have. Plan to pass it on.

A legacy isn’t just something we leave to our families; it’s the contributions we make over the course of our lives – and might be just as valuable as the other things we pass down the line. Do you agree? ��

Cheers to being older, wiser & willing to share it,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: National Preparedness Month Resources

Mon, 30 Sep 2024 18:50:48 GMT

The ‘Start A Conversation’ campaign encourages us to talk to our friends & neighbors – now.

September is almost over… and what you may not know is that it’s National Preparedness Month . We are entering a Bay Area heat advisory and facing associated wildfire risks, plus drawing closer to ‘ Great ShakeOut Day ’ on October 17 ^th in preparation for earthquakes. Yet ideally we should be prepared for anything & everything at any time of year – and that is what National Preparedness Month encourages us to do.

Ready.gov , the official website of the US Department of Homeland Security, has defined the 2024 preparedness month theme as ‘Start A Conversation.’ This concept centers around starting conversations with our family, friends and neighbors to take steps to get ready and stay safe. Tips include:

- Set aside a time when everyone is calm and relaxed.

- Hold the discussions over a set time period, so decisions aren’t rushed, and people feel more comfortable talking about the topic.

- Talk about steps you’ve taken to prepare and encourage others to ask questions about preparedness actions that might work for them.

We encourage you to review the fact sheet below, and to review your own emergency supplies, evacuation plan and discuss meeting plans with your loved ones. (Don’t forget to prepare for your pets during emergencies too! )

Learn more about National Preparedness Month and find https://www.ready.gov/be-informed .

Stay safe, be ready… and check in with those around you! We are all in this together.

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Tech Talk For Seniors

Thu, 26 Sep 2024 19:54:15 GMT

Recent reads related to technology, older adults & quality of life.

Years ago, technology use was often considered a facet of life for the ‘younger’ generations. Now, technology is a daily part of life for virtually all of us at every age. AARP reports that more than 50% of seniors have purchased a tech product in the last year, more than half of seniors own a tablet, 86% of seniors aged 50-59 own a smartphone, as well as 81% of those aged 60-69 and 62% of those aged 70 and up! In short, technology is not just a young person’s thing – it’s an everybody thing.

Yet technology has many downfalls in addition to its countless advantages. A primary concern for seniors who are more frequently targeted by scammers is safety. Next month, October, is cybersecurity month, and we will be diving more into the protective side of technology then (stay tuned!).

For this week, we wanted to share some recent reads about how seniors are embracing AI, harnessing adaptive technology to stay in their homes and more. Check out what we discovered in the world surrounding older adults and innovation below.

Innovative New Technology Helps Seniors Age in Place | UC Davis

Less than one month ago, UC Davis published an article about a new task management tool called I-Care, which connects older adults experiencing cognitive impairment to their family members who live apart from them for support in completing these important daily activities. There are 6 main functions that address not only everyday activities, but also social isolation and caregiver stress.

How Older Adults Are Preparing For The ‘Greatest Technological Revolution’ | Fast Company

This article, published in early August, reveals how countless class have emerged around the country to teach seniors about the tremendous leaps (and associated risks) of the artificial intelligence surge. Fast Company states that “Classes like these aim to familiarize aging early adopters with the myriad ways the technology could better their lives but also encourage skepticism about how artificial intelligence can distort the truth.”

U.S. News & World Report Aging in Place With Assistive Tech Survey | US News & World Reports

In late spring, US News & World Report published the results of a survey conducted in March of 2023, regarding the use of how 2,000 adults aged 55 and over are utilizing assistive technologies in their homes. The primary goal of such technologies is aging in place, with the two most common options being medical and/or health-related mobile apps and wearable medical/health trackers. Other examples include medical alert systems, service-related apps (such as grocery shopping) and family connectedness (texting relatives or using social media to stay in touch).

Be sure to check back in October as we turn our focus to seniors and safety in supporting awareness of Cybersecurity Month in October. Ignorance is certainly not bliss when it comes to online scams, identity theft and false information. Knowledge is power – and we have it coming to you, always!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Let’s Talk Luxury Markets

Mon, 23 Sep 2024 17:27:18 GMT

An update on the Golden State’s priciest market trends.

Happy Fall! It’s hard to believe that we are approaching Q4 of 2024 and have officially said good-bye to summer. The summer housing market was largely defined by the NAR® commission changes and related transaction processes for buyers and sellers, as well as the expected Fed rate cut that hit last week. But one often-overlooked area amidst the market movements is the luxury market.

Below we have shared a snapshot of the latest California luxury real estate market data available for the quarter ending in June 2024.

As you can see from the chart above, the largest growth in home sales occurred in homes priced from $3-4.99 million, a 30.9% increase! Sales of homes priced $1-2.99 million grew a little over 17%, while homes priced over $10 million had only a 7.8% increase in sales.

From a regional perspective, the Bay Area had the highest median price per square foot ($1,466) in homes priced over $1 million and shortest median days on market (13). On a county wide level, virtually every California county had more closed sales over $1 million this year compared to last year, or at least the same number. You can select different data sorting methods on an interactive version of the chart HERE .

No doubt this final stretch of the year is going to bring about some dynamic shifts as buyers and sellers watch rates, home prices and consider their year-end goals. We hope this information was insightful and empowered you to consider data and market variations in whatever you decide to do (or not do!) next.

All our best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Talking About The Top Dogs… Among Baby Boomers

Thu, 19 Sep 2024 20:28:14 GMT

You will not believe what canine of choice is #1 among Baby Boomers!

“People love dogs. You can never go wrong adding a dog to the story.”

~ Jim Butcher

As dog lovers through and through, the Bobbi Decker blog has covered the benefits of animal companionship for a long time. (Many of you may even remember pictures of our beloved dog Honey B – and her countless outfits ideal for all her outings!) Today we are taking a bit of a new spin on the topic as we reveal the most popular dog breeds among Baby Boomers – and this one is a bit of a shocker!

Just a few weeks ago, Newsweek reported that the #1 canine of choice among those aged 59 and over is… the Chihuahua ! This is one of the key results of a survey that was conducted in collaboration with Rover (a pet-sitting platform) and DIY market research provider, Pollfish. University of Denver researcher Philip Tedeschi, who specializes in studies on the animal and human bond, suggests that the popularity of the Chihuahua among older adults “…may be a more recent phenomena driven by the fact that many boomers are also empty-nesters and that these pint-sized dogs often remind people of having a child.”

Side Note: Online sources report that Chihuahuas are the most common breed in shelters, and in California, they can make up 50–60% of the homeless dog population. Perhaps seniors also enjoy the rescue aspect of this breed and prefer a dog who is out of the puppy phase and in their own second act!

Earlier in 2024, Shelter Animals Count (a national database) published an article on the 17 best dog breeds for seniors . While most of the top-ranking dogs are small, such as the Maltese, the Welsh Corgi, the French Bulldog, Cavalier King Charles Spaniel, the small Poodle, Shih Tzu, Pug and Bichon Frise… a few larger dogs are in the running! Highly ranked big dogs for seniors include the Greyhound, the Golden Retriever and the Labrador Retriever. Features of the best dogs for seniors include size and temperament manageability, low shedding/easy care, affection and intelligence.

Personally, we feel that the right fit for your family has much more to do with the match of the dog's individual temperament and your lifestyle, rather than any specific breed (rescues and mixed breeds can in fact offer the best of all worlds!). Perhaps who you choose isn’t as important as the reason why you are adding another family member and what kind of life you plan to give him/her. Look forward to future blogs on all the considerations of pet ownership as a senior, and how to plan for your pet’s care if your health situation changes.

Until then… please give your furry friends a pet and a hug from us; we love them all!

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Yes, Homes Still Sell Over List Prices (Here’s Where!)

Mon, 16 Sep 2024 20:51:36 GMT

Location, timing & demand are pushing home prices higher.

The housing market trends vary greatly from state to state, and perhaps even greater within each location’s varying micro markets. While you may hear words like “slow”, “sluggish” and “uncertain” being used – the reality is that there is still a nationwide home shortage. While we may not be echoing the trends of May 2022 when the US experienced the most homes ever selling over asking price, there are still circumstances in which that ROI could be even better than you expect.

Just a few days ago, Realtor.com® published an article titled “Top 10 Cities Where Homes Are Selling for the Most Over Asking—Plus One Shocking Sale $200K Over List Price.” You will not be surprised that the #1 spot goes to a Silicon Valley city. You may be surprised however that ONLY two Bay Area cities made the cut. The state with the most cities of homes selling over-asking price was actually Connecticut!

San Jose, CA

Ranking in the #1 position among metros with highest over-list price, San Jose holds a median home price of $1.3 million, with homes selling an average of 6.2% above list.

San Francisco, CA

As the #4 city on the list, the San Francisco median home price hovers at $1.15 million with homes selling an average of 3.6% above list.

Do any of these cities surprise you? We were a bit shocked that none of the cities on the Peninsula made the cut, and not too stunned that the east coast had such a high turn-out (though we probably would have expected New York to have more contenders than Connecticut!).

Read the article and see the home prices and percentages over-asking HERE .

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: ‘Baby Chaser’ Update

Thu, 12 Sep 2024 20:38:39 GMT

Here are the top cities where grandparents follow their grandkids!

Did you know that 25% of Baby Boomers plan to retire near their kids and grandkids ( Zonda, 2024 )? Builder Online recently published an article that provided an update on the ‘Baby Chasers’, a trend shaping the housing market that is defined by the intertwining of demographics. With millennials surpassing Boomers as the largest home buying generation a decade ago, they are now settling down and starting families – with their parents following not too far behind!

Zonda’s annual ‘ Baby Chaser Index ’ reveals that the phenomena of Baby Boomers following millennials continues – both on account of wanting to be near their families, but also to take advantage of the market features that appeal to both generations. The traits of such markets include affordability, lifestyle amenities and good weather.

But money isn’t everything. Even markets with rising home prices are still attracting millennials seeking solid job growth and boomers seeking desirable lifestyle offerings. Such is the case with Austin, Texas – a city that has been the #1 Baby Chaser city for the last 5 years! Zonda research cites the labor market and Texas hill country lifestyle as the main draws, even with the softening tech market and increasing home prices.

Texas also held the #4 spot (Dallas), the #10 spot (Houston) and the #11 spot (San Antonio) in the Baby Chaser Index. Researchers commend the state’s ability to attract residents from more expensive coastal markets who seek more affordable homes and strong job growth. Master Planned Communities (MPCs) are prominent in Dallas and Houston and offer great design, walking trails, nearby schools, community gatherings, fitness centers, resort-style pools and an array of local dining – traits that millennials and their parents appreciate.

Other notable cities in the top 10 were Charleston (#2), Jacksonville (#3), Raleigh (#5), Boise (#6), Orlando (#7), Charlotte (#8) and Oklahoma City (#9). Charleston’s coastal appeal presents a strong pull for both millennials and Baby Boomers, while Jacksonville offers the lowest housing cost among Florida markets while retaining coastal access. Charlotte draws much migration from the East Coast – with a status as a Southeastern Financial Center and location of excellent connectivity to the Charlotte Douglas International Airport (attracting millennials who travel for work and retirees who want a quick jaunt to the Caribbean!). Honorable mention goes to Oklahoma City and Boise for their features of having less congestion and traffic, plus lower home and insurance costs.

What features would entice you to move? Most retirees who opt to move are seeking an improvement in lifestyle, closer proximity to loved ones… and hey, a lower cost of living doesn’t hurt either! If you can have all 3 – that is a victory!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Top Paint Picks For 2025

Sun, 08 Sep 2024 22:41:05 GMT

Our annual blog featuring next year’s colors of the year is here!

Rich. Deep. Saturated. These are the defining features of many of the paint colors of 2025 that industry designers have released so far. With no gray or white in sight, the new year looks to be setting us up for warmth, depth and maybe even a little bit of...drama!

If you follow our blog, then you know that every fall the home design and paint companies release their personal picks for the 2025 Color of the Year. Quite often there is diversity in what each voice considers to be important, and each tone is uniquely individual. The 2025 colors have more in common than we have seen in years past, with Better Homes & Gardens categorizing them as mostly jewel-toned or deep and saturated. We encourage you to see the colors in rooms on walls in the article ‘Every 2025 Color of the Year That's Been Announced So Far. ’

For a quick overview, we have listed the brand, color and mini description below.

1. C2 Paint | Raku | An earthy, deep brownish-red inspired by the type of pottery used in ancient Japanese tea ceremonies. Intention is balance, comfort and timeless elegance.

2. Dutch Boy | Mapped Blue | A medium blue-gray hue that is made to pair with warm and cool color palettes. With moderate saturation, the color can be used all over or as an accent wall – making it versatile in both classic and contemporary interiors.

3. Minwax | Violet | Chosen to blend with traditional wood tones and modern design trends, this purple is in the blue color family but with distinct red undertones. Best defined as having depth, character and a manageable boldness.

4. Valspar | Encore | This sophisticated jewel tone is described by makers as ‘atmospheric’ while appearing both ‘familiar and unexpected’ at the same time. Valspar color trend experts insist this carefully chosen hue will blend seamlessly with Old World designs as well as modern styles.

5. BEHR | Rumors | This warmer neutral is a rich red shade with brown undertones, ideal for an accent wall or dramatic formal space (such as a dining room). Coined as transformative and creative, this color can be utilized on a large or small scale.

6. HGTV Home By Sherwin Williams | Quietude | This is perhaps the lightest entry among the 2025 Colors of the Year, evoking tones of peace and tranquility. Quietude is described as a soft, natural green with a cool, complex blue-gray undertone.

7. Stainmaster | Truffle | This is the color that makes you say brown is back… in a good way. A moody, bold and sophisticated neutral – Truffle can fit into a room emboldened by modern minimalism or rustic chic.

8. Little Greene | Mochi | Deliberately designed as a warm alternative to beige or gray, this color is best described as a light brown with peachy-pink undertone. Little Greene’s creative director defines Mochi as poised to deliver ‘cocooning, restful and charming spaces.’

Which hue brings out the best in you? There is certainly a vibrancy, depth and versatility that bands these colors together… but each are unique in their own way. I could also see these tones as emerging in area rugs, throw pillows and other pops of color inside your home – and even out!

Stay tuned for more 2025 design trends in the weeks and months ahead!

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: First Things First – Talking About Downsizing

Thu, 05 Sep 2024 18:05:16 GMT

Tough conversations are often the first step to downsizing.

Welcome back to the Bobbi Decker Senior Spotlight! One of the biggest and most-often requested topics with regards to this feature on our blog is downsizing and/or rightsizing . We have written and published hundreds of articles with relevant resources, books to guide the process, links to professionals who can help and more. But there is one part of the process that could always use more support – the initial conversation.

Most of us are at the point in our lives where we have experienced loss, in which we have lost a grandparent or parent(s) and seen both the emotional grief and physical aftermath of managing the loved one’s belongings. Moreover, you may have parents or a remaining parent who you feel could benefit from downsizing, but don’t know how to broach the subject. Yet like most hard subjects – it’s best addressed well in advance of need rather than when it’s a ‘must’ and a fire drill.

The Washington Post recently featured some tips from geriatric mental health expert, psychiatrist & UCLA Professor Helen Lavretsky . She believes that “it’s common to avoid such discussions out of fear of death or not wanting to appear controlling." She says "There is a way to handle the conversation tactfully, primarily by emphasizing that you’re interested in knowing — and respecting — your parents’ wishes and preferences regarding their personal belongings.”

Top Tips Include:

1) Avoid having a one-sided conversation based on what you are thinking your parents need to do.

2) Start the dialogue by asking open-ended questions such as ' How is it for you keeping up with this house? Have you ever thought about downsizing? Do you plan on staying here indefinitely?.’

3) Use the answers from your loved ones above to set goals and create intentions, preferably in writing so they can be referenced objectively if/when emotions run high down the road.

4) Do not assume a leadership role with the goals above, but instead ask how you can help or offer one specific area of support to start.

5) Expect pacing to be gradual, to keep the downsizing process less overwhelming and also to avoid rushing and getting rid of items of value or meaning by mistake.

6) Consider framing the tasks as seasonal (i.e. winter or spring cleaning) or work room-by-room.

7) Accept that trips down memory lane are an important part of the process – and enjoy them!

8) Save the logistics of what to do with the unwanted items for the end when you can; allow family members to choose items before you consider hiring an estate expert or junk removal person.

9) Invoke meaning within the process when you can. Select organizations to donate goods to that have a place in your family’s heart, give old blankets and clothing to local shelters – the idea of ‘downsizing with a purpose’ can make it feel like less of a loss if others are benefitting.

10) Perhaps a read HumanGood offers the very best advice of all: "Give [parents] hugs. Let them know that you know this is tough. And let them know that it’s tough for you, too.” (As quoted by Marty Stevens-Heebner, a certified senior move manager (SMM-C) and CEO of Clear Home Solutions).

Best wishes as you start the conversation and keep it going… with compassion,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Fall-Inspired Home + Garden Refreshes

Mon, 02 Sep 2024 18:43:55 GMT

Simple, seasonal changes for your home inside & out.

Labor Day is the unofficial end of summer, often marked by barbecues, block parties and department store sales. While this holiday is observed to honor the labor movement and contributions of American workers, it is also seen as the start of the transition from summer to fall.

The autumn season is truly my favorite, in large part due to being the time of year for my favorite holiday (Thanksgiving!) and also because of the warmth, comfort and connection evoked by cozy blankets, hot cocoa and a hearthside gathering or two. I couldn’t decide if I wanted to share some fall ideas inside or out… so I chose both!

Below you will find two hand-picked articles from Real Simple and HGTV – I hope one or both of these reads inspires you to embrace change both as a season and as a season in life .

8 Fall Container Plants to Dress Up Your Front Porch – Real Simple

Given that a healing garden has been a large part of my life and my enjoyment over the last few years, this article featuring 8 container gardening plants that can dress up your front (or back!) porch felt very fitting. Ornamental peppers and cabbage, chrysanthemums (of course!), New England Aster, heuchera (known for its autumnal hues) and even pansies are simple and colorful additions. Even ornamental grasses offer a crisp effect as we breathe in fresh, cool mornings and await changes in the leaves.

Our Favorite Fall Decorating Ideas – HGTV

Nobody does fall décor like HGTV, and this gallery of 85 photo ideas literally has something for everyone. Many of the ideas can carry you from now into thanksgiving – such as mums, pumpkins, gourds and plaid prints. Other ideas such as copper pails, staircase seating, fine china, warm accent walls, spice-hued guest rooms and velvet textures can take you from now into the New Year. Don’t forget that green touches like faux eucalyptus and hand cut, local greenery can also evoke a seasonal refresh that is timeless.

What’s your favorite way to welcome fall? Whether it’s a family tradition, a garden task or a touch or two inside the home – we’d love to hear about it!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Shopping, Reading & Travel Planning This Fall

Thu, 29 Aug 2024 17:41:14 GMT

AARP has 3 recent reads to help you embrace the coming change of the seasons!

One of our favorite seasons is almost here – fall! The crisp and cool mornings and evenings are already starting to emerge, and the change in the trees is already starting. While the stores are focused on rolling out autumn and holiday home décor, AARP has recently published 3 articles to prepare us for seasons 'change in other ways!

Below we share a summary and links to fall shopping deals, fall books and fall travel ( leaf-peeping is a real thing! ). We hope one or more of these reads helps you embrace the transition to a season that reminds us change can be a beautiful thing!

Best Things to Buy in September 2024

Let’s talk… Labor Day sales! Not only does the end of summer mean that summer clothes and décor are on deep discount, but Labor Day sales are abundant. Retail analysts suggest that consumers look for stellar sales on items such as mattresses, large appliances, luggage and smartphones, as 3-day weekends are often the lowest price points for these items.

Fall 2024 Books Preview: 37 of the Season’s Top Reads

Is there any other way to enjoy fall and winter than curled up on the couch with your favorite blanket and a good book? We think not… and travel and books editor for AARP, Christina Lanzito agrees. Look out for the first installment of Cher’s memoir, a nostalgic life recap from Al Pacino, new releases from Dean Koontz and Nicholas Sparks (yes – The Notebook author!) and so, so many more.

5 Fall Foliage Mountain Destinations for Prime Leaf-Peeping

If you are looking for a great excuse for autumn travel – why not go leaf-peeping?! Since a reported 63% of those aged 50 and older plan to travel only domestically, AARP has identified 5 mountainside locations that make for a great trip with even greater views. The best part – one such featured destination is only a few hours away – Lake Tahoe! Also recommended are The Poconos, the Shenandoah Valley, Pigeon Forge, Tennessee (just 20 minutes to the Smoky Mountains) and the self-proclaimed fall color-capital of the US – Stowe, Vermont!

Do your own personal all plans involve, shopping, reading, traveling… or all of the above? Feel free to share what you love most about this time of year – we always love hearing from our readers: bobbi@bobbidecker.com .

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Easiest & Hardest Markets For Homebuyers

Mon, 26 Aug 2024 17:35:10 GMT

Is a pain-free home search possible…anywhere?

The best things in life rarely come easy – and buying a home definitely falls into that category. However, some locations are easier to purchase in than others, and last week Realtor.com® revealed their picks for the 10 easiest and 10 hardest housing markets for buyers.

10 Easiest Housing Markets For Homebuyers

1. Lubbock, TX

2. Punta Gorda, FL

3. Lakeland, FL

4. Crestview, FL

5. Tampa, FL

6. North Port, FL

7. Miami, FL

8. Port St. Lucie, FL

9. Gainesville, FL

10. Orlando, FL

Wow! The first thing we noticed about this list was the prevalence of Florida metros; nearly all of the ‘easy’ purchase markets are in Florida with one city in Texas ranking #1. Even more interesting to use was not where these cities are, but why they made the list. The Realtor.com® analysis utilized the following criteria:

- Year-over-year shift in median list price

- Year-over-year shift in the share of listings that saw price reductions

- Year-over-year shift in active listing count

- Median days on the market

- Change in active listing levels between July 2019 and July 2024

In general, cities where buyers have the power are slow-moving markets where supply outpaces demand, areas where new construction is abundant and regions that saw price surges during the early Covid-era pandemic days, yet those surging prices and climbing rates tempered demand so price corrections from ‘overheating’ are occurring. One more feature of note: the condo Florida market has softened tremendously after the collapse of the Surfside condo collapse in 2021. As such, new safety standards have been passed and resulted in costly special assessments for multi-family unit owners near the coast.

10 Hardest Housing Markets Fo r Homebuyers

1. Erie, PA

2. Syracuse, NY

3. Rochester, NY

4. Canton, OH

5. Kalamazoo, MI

6. Manchester, NH

7. Norwich, CT

8. Sioux Falls, SD

9. Toledo, OH

10. York, PA

While no single state largely dominates the ‘hardest’ areas to buy list, there are a few states that made more than once appearance (New York, Ohio & Pennsylvania). Realtor.com® declares that this list reflects cities in metros that have been the most resilient since the pandemic, where prices are continuing to increase despite nationwide affordability concerns. You may have noticed that the hardest markets are in the Northeast and Midwest, where new construction is more limited. Interestingly, while Realtor.com® noted that these areas have climbing prices now, they are previously affordable markets who have now attracted so many buyers that demand has outpaced supply, thus driving sales prices up.

While no California or Bay Area cities made either list, you no doubt have your own barometer of how ‘easy’ or ‘hard’ it is to buy in your local market. The same criteria used to rank the cities can be re-purposed in your own analysis of what could make your next home search pain-free or particularly challenging.

Full Article: America’s 10 Easiest Housing Markets for Homebuyers—and the 10 Hardest

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Have You Considered a Boommate?

Wed, 21 Aug 2024 19:14:06 GMT

High inflation and increasing loneliness may have one solution: a boommate.

The Bobbi Decker real estate blog has long been following creative and custom lifestyle solutions, and we’ve been following the ‘boommate’ trend since it emerged with greater popularity in 2022 as cited by the Center For Retirement Research at Boston College . At that time, industry experts asserted that Baby Boomers’ search for roommates (Boomer + roommate = boommate) has doubled in the first 6 months of 2022 compared to the prior year.

The latest headlines confirm this trend is not only here to stay but growing in popularity and proving to be a win-win situation on a number of levels. The New York Post describes how Baby Boomers choosing to rent out rooms actually solves two epidemics: that of housing costs and of loneliness. Harvard University’s Joint Center for Housing Studies has reported that 11.2 million older adults have become cost-burdened as housing costs surge to over 30% of their household income; sadly, homelessness rates are also increasing among the elderly. Coupled with the World Health Organization citing loneliness a global health threat that is as dangerous as smoking 15 cigarettes a day – you can see how room sharing can literally be cost and lifesaving.

Nearly 30% of homes with 3 or more bedrooms are owned by Baby Boomers, and recent data reveals that nearly $1 million Americans over aged 65 have opened their homes to non-relatives. One of the most popular websites for creating boommate matches is HomeShareOnline (formerly Silvernest).

Beyond loneliness and inflation, home sharing also helps the issue of housing inventory. While many Boomers are choosing to rent rooms to those in a similar season of life, multi-generational matches are also popular. Boomers may rent to a college student or young adult in a new career, as affordability and availability create a challenge for individuals of all ages.

With an estimated 15 million of older adults living alone , and over 11 million of them owning homes with two or more bedrooms – the concept of having a boommate is not likely to decline anytime soon. If you can help solve the housing crisis, prevent loneliness and stay in your home… it may be a worthwhile option to consider.

That being said, look for future reads on choosing a suitable boommate, staying safe and avoiding scams and fraud on your search. Those who have done it frequently reveal that the advantages of having a boommate are more than worth it!

Warmest regards,

Bobbi

Resources Used: Could ‘boommates’ help ease the housing crisis? , Retirement’s a Struggle? Get a Boommate! , How Baby Boomer ‘Boommates’ are beating inflation and loneliness: ‘I’m happy as a clam’ , ‘Boommates’: Many Baby Boomers are turning to home-sharing to tackle unaffordable housing

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Summer 2024 Market Update: NAR® Settlement Changes Are Here

Sat, 17 Aug 2024 18:15:48 GMT

New rules start today, August 17, 2024.

Change is here after a long and winding process that all started with a class-action lawsuit against NAR® in 2019 in Missouri. As of August 17, 2024, sweeping changes are in effect which not only impact how agents get paid – but how buyers can tour properties.

How we landed here and if the issues hoped to be resolved were ever a problem here in our region are discussions that could take up a book or maybe a whole series! But how we got here and what we think about it has no bearing on what it means for us today.

We will not pretend to be experts in this matter, as the deadline has just come into effect and the true weight of it all is yet to be seen. We do however want to share some resources that can summarize the changes, address frequently asked questions and empower you with knowledge as you decide what this means for you and your next real estate endeavors.

NAR® | Compensation, Commission and Concessions

This article explains the August 17th deadline with regard to 3 key areas: broker commissions, offers of compensation and seller concessions.

USA Today | How the NAR Settlement Is Changing Homebuying and Selling

In another helpful overview, this read tells you what happens August 17th, what buyers and sellers can expect and what other changes are likely to follow suit.

East Bay Times | The rules for homebuyers and sellers are changing in California. Here’s what you need to know.

With a Bay Area perspective, this local paper addresses the changes and what some Realtors® think about it (it’s not all bad!).

NAR® | NAR Settlement FAQs

This question-and-answer list is helpful for agents and consumers alike and provides simple answers to the biggest questions surrounding this topic.

While the media headlines can make this seems like a ‘doomsday’ of sorts, there are benefits to sticking to the facts and accepting how to navigate what is, rather than resent how it came to be. That is no doubt a life lesson that can be applied to real estate commissions and beyond.

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: In The News – Boomer Headlines That Educate & Inspire

Wed, 31 Jul 2024 14:54:55 GMT

Handpicked reads you might have missed!

August is just about here, and the July headlines have brought some insightful and introspective articles. As the Bobbi Decker team scoured the news and decided what to share, we landed on 3 publications that we think will appeal to our readers. See below to learn about an Olympic reporter who is ‘having too much fun to retire’, 8 emerging ravel destinations for Baby Boomers with budget in mind, plus what a retirement wave means for younger workers.

Andrea Joyce Is Having Too Much Fun to Retire

Next Avenue shares a revelation that most of us know but few talk about: women do not have the luxury to age on tv. Sportscaster Andrea Joyce, now covering diving in the summer Olympics in Paris, shares how she ended up breaking the rules, who helped her along the way and how she’s banded with other women in news for 30 years to lift each other up the ladder. This is a fun read on what happens when you do what you love and set a few new standards along the way.

“I walk into every assignment with a great attitude. I'm really happy to be there and I am excited to see what might unfold. It's not drudgery for me. It's not a grind. It's never old. It's never felt like work. So I think that's a lot of it — and a lot of it is not trying to reach for other stuff all the time.” ~ Andrea Joyce

8 Emerging Travel Destinations for Boomers on Budgets

Summer does not mean the end of vacations, and retirees especially can take trips any time of year! Yahoo! Finance recently wrote about 8 great places to visit that won’t break the bank. If travel is something you love to do but inflation is getting in the way, think about changing your itinerary instead of changing your retirement dreams. This read suggests road trips to Oklahoma, Arkansas and Mississippi for natural attractions historical sites with lower gas prices and fewer crowds. Other destinations that can be done affordably are Italy ($1,900 per person per week), Mexico ($850 per person per week), Hawaii (search carefully for affordable accommodations), Charleston, South Carolina (stay right outside the city for $100 per night or less) and Mackinac Island, Michigan (no cars, lots of beachside breezes for less than $300 per night).

Baby Boomer Retirement Wave Means More Job Opportunities for Younger Americans

Is the silver tsunami finally going to hit? ABC 7 reiterates that 4 million Americans are turning 65 every year for the next four years; this is a jump of 11,200 Americans turning 65 every day now through 2027 vs. 10,000 a day for the last decade. With more people exiting the workforce than entering, those on the job hunt have many options. Industries being hit hardest by older workers retiring are healthcare, government and education. One really interesting insight is the biggest share of workers under age 40 are in retail and hospitality; could job skills utilized in these fields translate to success in the most in-demand fields? If the desire is there – absolutely!

Have you seen any of these topics in the news yet? Are you inspired by women in sports and sports coverage? Excited to plan a fall excursion? Thinking about your own retirement timeline? We hope these articles provided some new knowledge or at least a fresh perspective!

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Statewide Stats from CAR®

Sun, 28 Jul 2024 22:35:00 GMT

The average sales-to-list price ratio holds steady as homes are in demand!

July is just about over, and the June housing numbers are ripe for comparison. Before we find out how this month fared for sales and prices, we wanted to share with you how June turned out. Please see below for an infographic from the California Association of Realtors (CAR) ®.

As you can see, our state’s median home price is $900,720 – demonstrating the 3rd month in a row with a median price above $900,000. Average days on market is 18, and the average sales-to-list price ratio sits right at asking. The number of monthly units sold did drop, as sales were 272,410 in May and 270,200 in June. The CAR® Market Minute Wrap-Up suggests that trend could reverse in July, as early month new escrow number point to sales improvement. Read more about the increase in housing inventory and new housing starts here .

In summary, CAR® believes that “home sales should improve in the second half of the year but at a more gradual pace than what was projected earlier.” No matter what any of us think will happen, the most important things are what we need to do for our own financial and personal situations, and what actions we take to make it happen!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Aging In Place… Or Stuck?

Thu, 25 Jul 2024 17:27:53 GMT

When wants and needs of where to age collide.

Aging in place is often considered a ‘no-brainer’ for retired adults. The National Poll On Healthy Aging has reported that 88% of adults aged 50 and older want to age in their existing homes. Aging in place is defined by the CDC as “having "the ability to live in one's own home and community safely, independently and comfortably, regardless of age, income or ability level.” The biggest obstacle to staying at home is usually when one’s health status changes, and declining health necessitates unaffordable and inaccessible in-home health expenses.

But a recent article from Next Avenue challenges aging in place as right for most people even in the best of circumstances. Quite simply, the house and community you chose in your 30s or 40s may not suit you in your 60’s through 90s. The article encourages seniors to consider if they are intentionally making the best choice – or just emotionally or physically ‘stuck’.

Key Considerations

1. Home size & layout: The Census Bureau reports that only 10% of homes are age friendly; 36 million older people fall every year. With 75% of falls occurring in the home and the majority of them taking place on stairs and in bathrooms – form and function need to be a top priority.

2. Neighborhood demographics: One in four older adults live alone, and loneliness has been called an epidemic by the United States Surgeon General . Older adults may find that the neighbors and friends they have known for years may move on, changing the support systems around them. A familiar home surrounded by an unfamiliar network may not be as comforting as a new home near loved ones.

3. Home care & maintenance: Homes age just as we do! Those who choose to age in place should consider the overall physical and financial obligations of maintaining their home – especially in areas that impact safety. Don’t forget about disaster preparedness too!

4. Mental stagnation: While predictability and stability are comforting, they are not the best building blocks for mental sharpness and resilience. With the Alzheimer's Association reporting that less than 1% of cases are hereditary, our physical and mental lifestyle choices are the driving forces in keeping our minds sharp. Moving to the ‘right’ place for you can also create incentive to make new friends, create new routines and strengthen flexibility. Don’t let complacency stop your life or block your brain power!

Deciding to ‘stay or go’ can be one of the hardest decisions in life. But if you approach this fork in the road with objectivity, authenticity and resiliency – you can end up with less stress on your plate and excitement about what you bring to the table!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Best Backyards In America

Sun, 21 Jul 2024 22:59:41 GMT

Barbeque season means lots of backyard time; guess which states boast the best?!

When you think of summer, are many (or even most!) of your memories made outdoors? Summer season is often the time when our backyards shine the brightest: barbeques on the patio, café lights strung high and low, pool time, kids running through sprinklers or even sipping cool drinks in the shade with friends.

But what makes a backyard a great gathering spot? What features are most desirable in an outdoor oasis? What states have the best backyards… and why? A recent study from the website ‘ Backyard Oasis ’ answers all of these questions and more. Get in your lounge chair and get ready to read all about what states do summer fun BEST!

Top 3 States w/Best Backyards For Gathering

#1: Florida: A staggering number of residential pools, a great deal of sunlight annually and an average temperature of 70.7 degrees – yes please! Add in the fact that the average cost of a backyard barbeque is $124 and it’s no wonder why the Sunshine State is in first place.

The Extra Mile: If you want to offer the ultimate backyard gathering… get inspired by a $21 million-dollar mansion in Sarasota that features a swim-up pool bar, outdoor living room w/fireplace, spa, open air kitchen and home-length koi pond plus footbridges.

#2: California: Our state features the highest amount of annual sunlight in the country and 1.3 million pools statewide. While the average cost per backyard barbeque is $128 (what doesn’t cost more here?!), the backyards here are hard to beat which is why we are in the #2 spot on the list!

The Extra Mile: Stand out features are exemplified in a Hollywood Hills home, where the backyard space comes in the form of a ‘floating’ backyard with Pacific Ocean views, a white sand volleyball court, multiple living garden walls, four cozy fire pits, Brazilian swings and a 100-foot curved edge infinity pool (adjacent to the 30-person whirlpool spa of course).

#3: Texas: This state known for size of course offers the largest average yard, with an average of 14,876 square feet. With a high annual sunlight level, moderate barbeque cost and warm average temperature – Texas easily slid into the top 5.

The Extra Mile: A Texas mansion with neoclassical flair sits on 3.3 acres of formal outdoor living. This exemplary property showcases meticulously manicured gardens, a two-level pool plus pool house, open kitchen, barbeque area, tennis court, putting gee and sculpture garden.

While these top 3 states with best backyards may not surprise you – are #4 and #5 cause for pause? Arizona and New Mexico are next on the list… to see how these states made the grade and to view pictures of the examples above, be sure to read ‘Which States Have the Best Backyards in America? These Photos Set the Record Straight’ on Realtor.com.

No matter what size, shape or condition your backyard… you can always add one small detail for big impact! An outdoor chandelier, a pretty patio umbrella, a few new potted plants or even some new all-weather pillows can make your little piece of paradise a little more fun!

Cheers to backyard bliss,

Bobbi

Bobbi Decker
DRE#00607999

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/

Monday Market Update: Interactive Map of Median Home Values By County

Mon, 15 Jul 2024 17:49:43 GMT

No surprise: 4 out of 6 counties with the highest home values are in the Greater Bay Area.

Home values (and home prices!) have reached near-highs in many areas. Just last week, the National Association of Realtors (NAR)® released a report and interactive map depicting the median home values for 3,100 counties in the United States.

*Note that the home values represent the value of all homes, not home sales.

If you click HERE or on the image below, you will be directed to the interactive map, which is also color coded by home value range.

The counties that ranked highest in terms of median home values during the first quarter of 2024 are:

- Nantucket County, MA: $1,705,210

- San Mateo County, CA: $1,701,860

- Santa Clara County, CA: $1,664,410

- Marin County, CA: $1,584,980

- San Francisco County, CA: $1,575,700

- Teton County, Wyoming: $1,311,740

The counties that ranked lowest in terms of median home values during the first quarter of 2024 are:

- King County, Texas: $31,700

- Todd County, South Dakota: $41,800

- McDowell County, West Virginia: $58,640

- Cochran County, Texas: $62,560

- Knox County, Texas: $65,920

The recently released NAR® resource also includes an overview of ‘Affordability By County’ in which you can compare the monthly mortgage payment for a median-priced home by county & state now and 12 months ago. Explore this tool by scrolling to the bottom of the page HERE .

We hope this new resource helps you learn about general home value trends across the country, and in your county and surrounding areas. As always, we encourage you to consider national and regional data as well as the micro-market trends in your community before making any decisions.

Knowledge is power – and we hope you think big and think local as you plan what’s best for you.

Happy Summer!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Staying Healthy In The Heat

Thu, 11 Jul 2024 17:15:13 GMT

It’s true: the older we get, the more our bodies are impacted by heat.

July is here and so is a hotter-than-usual heat wave! Temperatures in the South Bay and Tri-Valley are peaking from 90+ degrees to as high as 110 degrees. But even if you are not experiencing triple digits, it’s critical to be aware of how heat impacts us as we age.

The CDC reports that last year, heat-related illness resulted in almost 120,000 emergency rooms visits. Even more alarming, heat-related deaths are on the rise as shown in federal data and corroborated by the Environmental Epidemiology Journal and researchers at Duke University. The National Institute on Aging says that most people who die from the heat are over age 50.

Heat & Age

There are 5 key reasons why heat is harder on the body with age (this is not intended to serve as medical advice; please consult your medical professionals to assess your own heat risk factors):

#1: Many medications that older adults take affect their body’s ability to deal with heat.

#2: Sweat glands become less effective with age, limiting the way in which the body can cool itself.

#3: The body releases heat by increasing blood flow to the skin; this requires the heart to work harder – magnifying the risks for the over 20 million US adults with heart disease.

#4: Older adults are at higher risk of dehydration, as a decreased sense of thirst sets in as you age. This is even more challenging to manage for those with kidney disease, which is present in nearly 40% of adults aged 65.

#5: Diabetes and blood sugar levels are largely impacted by heat as blood sugar get smore concentrated when there is less water in the body. Nearly 30% of adults are diabetic, making blood sugar management in the heat a common problem.

AARP offers a comprehensive list of ways to stay safe in the heat – older adults should consider these proactive measures anytime the temperature approaches or rises over 85 degrees. Key steps include: talking to your doctor about your medications, drinking past the point of thirst, paying attention to your thermostat, knowing where your cooling centers are, learning the warning signs of heat-related illness, checking in on others and staying aware of the heat forecast and humidity in your location.

Please be sure to stay cool, stay calm and stay connected during this sizzling season!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Alternative Housing Types

Sun, 07 Jul 2024 18:50:36 GMT

Beyond barndamoniums & tiny homes – 3 home styles that are making headlines!

July is here, America’s birthday has been celebrated and the 2 ^nd half of 2024 is unfolding with a Silicon Valley heat wave. As you attempt to stay cool, we wanted to share some fresh and fun home styles you may not be familiar with. Our blog has covered alternative housing types and unique lifestyles before, with topics such as tiny homes, barndamoniums and even RV living. This week, we have 3 more to explore – houseboats, prefab homes & 3D printed residences !

Realtor.com | Ready To Trade Your Home for a Hull? The Truth About Living on a Houseboat

A just published read from Realtor.com® explores the ins and outs of waterfront living. Houseboat living can be affordable depending on the community, but what you lack in property taxes might be made up by marina fees and regulations. Benefits include having nature all around and living a sense of adventure every day. The downsides can be minimal storage and living space, more difficult to achieve financing and limited electrical capacity.

Elemental Green | 18 Inexpensive Sustainable Homes Almost Anyone Can Afford

The housing shortage is real and prefabricated homes offer a time sensitive AND cost-effective solution! Elemental Green has recently updated their review of affordable, prefab homes and cites a lower cost per square foot, a shorter construction time and largely decreased permit process as serious benefits. With many plans available from top designers, you may be able to access a high-quality design at a much lower price point than a traditional new build or existing home purchase. Proponents also cite less waste and higher energy efficiency; please note that where you can put a prefab home and how it will impact nearby home values must be carefully considered.

CNN Style | ‘When can I have one?’: The world’s largest 3D printer is building cozy homes from wood

Did you know there is a home style that can address the housing inventory crisis and the labor shortage? 3D printing has been used to create schools in war zones, bridges, religious buildings – and now entire neighborhoods. The University of Maine’s Advanced Structures and Composites Center (ASCC) unveiled the world’s largest polymer 3D printer last month. Executive Director Habib Dagher has said that “…the printer won’t displace traditional home construction, but in the future 3D printed homes are likely to comprise a larger share of the world’s housing stock. The #1 biggest issue: “It takes years for [building] codes to change.”

We hope these non-traditional housing types have added some intrigue and inspiration to your summer! Thinking outside the box can often lead you to where you want to be, just not in the way you planned!

All our best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Unity & Community | Happy 4th of July

Wed, 03 Jul 2024 17:59:31 GMT

May we celebrate how our country was founded - together.

We hope you are having a great start to July as we approach one of the most meaningful days of the year – the 4th of July! We proudly see this as a time to celebrate not just our country’s birthday, but the values on which it was built. May we approach this day in the spirit of not only freedom, but with the acknowledgement of unity.

What if… there was less discourse and more discussion. Less conflict and more conversation. Less power in individual needs, more potential in the greater good. Less concern about being right all the time, and more focus on being there for others at the right time. There is a big part of me that believes to be present and look ahead, we must go back to our roots. Personally, I enjoy reflecting on that time when the connection with our neighbors was more important than how fast our WiFi was.

Whether you celebrate at home with your pets or in the crowds looking up at fireworks, may you enjoy community in the ways that it inspires you. As we honor all who created a place where freedom can ring, may we also retain the kindness and connection to answer when our neighbor knocks at the door. Who you help and who you touch truly matters, and that spirit of being there for each other and truly in this together is what America was founded on.

Cheers to friendship, family & freedom this day and always,

Bobbi

Bobbi Decker
DRE#00607999

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/

Monday Market Update: Mid-Year Update From NAR®

Sun, 30 Jun 2024 18:26:36 GMT

Where expectations fell short – and where they surprised us.

Can you believe that July is here? The National Association of Realtors® recently summarized where the mid-year statistics have landed compared to beginning of year projections.

Readers can find the complete June 27, 2024 news release here . The Bobbi Decker Real Estate Team has summarized the key points below:

- Year-over-year, all regions in the US have reduced pending home sales. In May, national home sales slipped on average 2.1%, though the regional breakdown shows transaction losses in the Midwest & South yet gains in the Northeast & West.

- Total pending transactions are down 6.6% year-over-year. Yet regionally, the West is demonstrating increasing pending transactions (up 1.4%) month-over-month yet 2.1% fewer pending sales year-over-year.

- NAR predicts mortgage rates will remain above 6% in 2024 and 2025, even with the Federal Reserve cuts to the Fed Funds rate.

- National existing home sales are expected to rise to 4.26 million in 2024 and 4.92 in 2025 (from 4.09 million in 2023).

Notable feedback from NAR Chief Economist Lawrence Yun:

“The first half of the year did not meet expectations regarding home sales but exceeded expectations related to home prices. In the second half of 2024, look for moderately lower mortgage rates, higher home sales and stabilizing home prices.”

“The market is at an interesting point with rising inventory and lower demand. Supply and demand movements suggest easing home price appreciation in upcoming months. Inevitably, more inventory in a job-creating economy will lead to greater home buying, especially when mortgage rates descend.”

Have your own buying, selling or investing goals been impacted by the 2024 real estate trends so far? Are you surprised by the regional differences in the West and/or considering the opportunities they present?

If you need an amazing referral for an agent to support your best interests and advance your own real estate goals – please feel free to let us know!

All our best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Aging In California Resources Guide Updated Last Month

Sat, 15 Jun 2024 19:52:26 GMT

Aging isn’t easy; these resources might make it a little easier.

June has arrived so quickly that we wanted to rewind just for a moment and share a helpful resource that launched in our state in May. Last month was declared ‘Older Californians Month’ and in that regard a new toolkit was launched which better organized information and tips to support the most common questions and challenges that older adults in California are facing.

The theme of the resource guide (shared with the theme of 2024 Older Californians Month) is “Start the Conversation: Connecting You with Aging Resources.” The state hopes that this hub of information available in print and online “offers older adults and their loved ones the opportunity to discover valuable resources and services, fostering stronger connections and enhancing their overall well-being.”

Resources include but are not limited to:

| The Friendship Line: A way to combat isolation and anxiety by providing a friendly ear for older adults looking to connect.

| The Long-Term Care Ombudsman Program: Respectful oversight for people living in long-term care facilities to make sure they’re treated with dignity and respect.

| Caregiver Resource Centers: Services which provide support and information to help caregivers take the best care of their loved ones.

| California Department of Aging (CDA): A key state association serving older adults, people with disabilities, and family caregivers by funding meal programs, caregiver support, programs to help people live independently, and more.

| Housing Options: An introduction to different housing types available in California to help make an informed decision about what’s right for you or your family.

Other important links enable easy access for senior disaster preparedness & resilience , CalGrows , CalFresh , health insurance counseling , elder abuse and more.

Not every resource is right for every family. But we want to ensure we add as many tools to your toolbox as possible, and we do believe that these updates to California’s aging resources are a noteworthy starting point to living longer and living better – and helping those around you do the same!

Learn More: CDA News Release; California’s Aging Resource Guide ; Start The Conversation Campaign Highlights

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: San Jose Allows Selling ADUs As Condos

Sat, 15 Jun 2024 19:08:32 GMT

What you need to know about this ordinance hitting next month!

Accessory Dwelling Units (ADUs), also called in-law or ‘granny’ units have been growing in popularity as a way for homeowners to supplement their income and to increase inventory. Since 2015, San Jose has been tracking the permit issuance and construction of ADUs, easing requirements, streamlining permitting and creating an entire process dedicated to preapproved ADUs. Now this high-cost Silicon Valley city has made a controversial and almost immediate move to allow these units to be sold as condos, separate from the primary residence!

This ordinance takes effect on July 18, 2024, and is allowed by California Assembly Bill 1033 passed last year which allows cities and counties to permit these types of sales if they choose. San Jose is the first city in California to move forward with this option, as Mayor Matt Mahan calls ADUs “…arguably the most accessible form of home ownership available.”

Below are some key considerations:

1) Homeowners will have to establish an HOA since the unit must be sold as a condo. Assessing dues, maintaining exterior areas, creating governing documents… the process will require all of these legal requirements and more.

2) Each owner (the primary home and ADU owner) will need to pay their own property taxes and utilities; thus, the county and utility company must be notified and have a way to handle the split.

3) It still needs to be determined how lenders will handle one part of the property being sold off before the entire mortgage balance is paid in full.

4) Resale value could be impacted as typically buyers seeking SFRs are not seeking to live on a multi-family lot and may have issues with safety and sharing space.

5) Many investment experts are advising homeowners to keep the ADU option as a rental rather than condo sale, as you have greater control over your investment and who is “…25 feet away from your living room.”

Advocates of this ordinance believe it will open up more affordable housing stock for entry level buyers, help resolve some inventory issues and allow some homeowners to make money that may be used to stay in their primary home or support the high cost of living in the Bay Area.

NBC reports that a second reading of this bill is still required in San Jose before the bill actually takes effect on July 18, 2024. This will be an interesting process to watch and even more interesting to see how the outcomes unfold.

Enjoy your week,

Bobbi

Resources Used: San Jose Now Allows Homeowners To Sell Their ADUs—Will the Rest of the Nation Follow? ; San Jose to allow property owners to sell ADUs

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomers Prefer… Renting?!

Wed, 12 Jun 2024 18:26:52 GMT

Seniors who do not yet own homes don’t actually want to!

Home ownership is often seen as a generational goal, a rite of passage achieved at some point after one builds a career and before they retire – but it is not the plan for everyone. While we often read media headlines about Baby Boomers staying in their homes, choosing not to sell and delaying a large release of inventory, we rarely hear about retirees who are renting by choice – and like it that way!

Last month, Market Watch released an article highlighting data from Bank of America. The data revealed that of those in their late 60s to early 70s, 84% of those individuals prefer to rent in today’ s environment – up from 63% a year ago. Boomers who already own homes may not be going anywhere, but Boomers who rent report enjoying and keeping the freedom that comes with it. Over 80% of Boomers who rent said “they valued the sense of freedom to move when and where they want to.” Additionally, 90% of renting Boomers say they like not having the responsibility of property maintenance and repair work.

The largest factor in choosing to remain renting is not so much a choice as a financial constraint. 87% of Boomers who rent want to avoid the financial stress and responsibilities of home ownership. Mortgage rates have more than doubled since 2020, with Mortgage News Daily reporting an average 30-year rate of 3.19% then compared to 7.11% at the time the article was written a few weeks ago. Coupled with the fact that home prices have hit an all-time high ( Redfin ), older adults who currently rent do not feel motivated to change that status anytime soon.

The challenge of having a dedicated segment of older adult renters is the available stock of age-friendly housing. Harvard University’s Joint Center for Housing Studies defines accessible housing as that which has single-floor living, no-step entries and wide hallways and doors. Yet less than 4% of homes and apartments offer these features – and even fewer of these are rentals!

A new type of sandwich generation dilemma is those who are stuck between not needing (or wanting) the features of a senior living community, but who want to rent a residence that meets their needs today and can support them if their health changes tomorrow.

When we think of renters, we may not think of older adults, but data shows that we need to. Whether you are renting out a property or considering your own rent vs. own status in the future, we hope that the considerations of a fair market rate, accessibility and comfort align for you in the best ways possible.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Rooms Inspired By… Everything!

Sun, 09 Jun 2024 18:47:06 GMT

A Tuscan-themed dining room, kitchen colors from a vintage photo & more!

June is here and we hope that you are taking some time to stop and smell the roses, literally! Our home garden is in bloom, the sun is shining, and the design ideas are emerging bright and bold. In this week’s Monday Market Update, we wanted to share some home design ideas rooted in other places and other moments in time. After all, isn’t this season about the nostalgia of summer’s passed and the hope of bright days ahead?

To make it quick and easy, we are posing a list of 8 ‘Have You Ever…?’ design ideas, and then are listing the sources below if you wish to dig deeper!

1. Have you ever considered a dining room inspired by Tuscany?

2. Have you ever chosen a kitchen color palette based on the tones of a vintage photograph?

3. Have you ever seen a ‘maximalist’ home design based on bursting cherry blossoms?

4. Have you ever selected storybook-inspired exterior updates?

5. Have you ever created a global travel theme in your living space with your personal souvenirs?

6. Have you ever gone gold around your home and NOT for the holidays?

7. Have you ever drenched a small space in the ‘cottage-by-the-sea’ theme?

8. Have you ever taken your pergola to the next level?

We are nearly certain that some of these ideas are new to you, that some you would never consider and some you just can’t wait to see! We created this fun list from these reads and encourage you to explore those that speak to you!

Resources: Spanish Hollywood Revival Remodel , This Midcentury-Modern Kitchen’s Color Palette Took Inspiration From a Vintage Photograph , Cherry Blossoms Inspired This Newark Home's Vibrant Renovation , Inside an Enchanting L.A. Home That Looks Straight Out of a Storybook , 10 Best Ways To Create A Worldly Eclectic Style With Your Souvenirs , 10 Gold Color Combos That Will Make Any Space Shine , Spring in the Tiny Cottage: A Reflection on Having Less in a Cottage by the Sea , 25 Pergola Ideas That Will Add Style and Shade to Your Backyard

Best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Solo City Travel

Wed, 05 Jun 2024 18:41:16 GMT

Beaches aren’t for everyone.

2024: The year of the solo traveler. According to Forbes and many other publications, one of the biggest post-pandemic travel trends has been the rise of solo traveling. Tour company Overseas Adventure Travel (OAT) and Solo Traveler magazine report that 68% of those surveyed identify themselves as solo travelers. 50% of OAT clients are solo travelers, while Solo Traveler World states that solo travel growth is occurring in double digits. Google searches for solo travel have quadrupled since April 2020, with Google data also revealing that solo travel has grown over 761% from 2020 to mid-2021.

A recent read from Next Avenue dialed in on a unique demographic and location – solo travelers who are older adults and not beach-goers! Believe it or not, not everyone wants to hit the beach. And let's be honest - as we age - spending lots of time in the sun walking on uneven sand while vying for lounge chairs can become less appealing. The rewards of traveling alone to city destinations are often overlooked – here is a summary of the advantages!

Traveling without a plus-one to a more populated place means you don’t have to be alone if you don’t want to be. Solo travel allows flexibility in how you spend your time, where and with who. Shopping, dining, taking tips from hotel concierges and participating in tourist stops is a great way to build experiences and friendships. Many solo travelers report getting more of the ‘local flavor’ as you engage more with community members; it’s easier to gain an immersive and objective experience.

Next Avenue shares that the top cities for city slicker, solo travelers are: New Orleans, Las Vegas, Boston, and NYC. From historic landmarks to stunning shows and cultural experiences, these cities offer an array of activities to pick and choose from, in settings where you can be as sociable as you want to be. Get all the details HERE .

Traveling alone does not have to mean isolation, and vacation does not have to mean beach. Wherever you go, whatever you do – seek what makes you happy, on your terms. Isn’t that what retirement is all about?

Happy planning,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Where Mortgage Payments Have Grown Most & Least

Mon, 03 Jun 2024 17:44:20 GMT

Some of these cities will surprise you!

Market variations are perhaps the only thing as certain as death & taxes, and a recent mortgage analysis from CNBC highlights mortgage payment differences across the US. It’s no secret that owning a home has become more costly; Redfin data reveals that the cost of financing a home has grown 22% in the last two years.

From May 2022 to May 2024, median mortgage payments nationwide grew from $2,319 to $2,835. Sources report that homeownership costs have grown twice as fast as incomes. But if you look at individual cities, home prices and incomes vary widely – and the variation of the impact on different markets is as diverse as the economic trends within them.

The biggest surprise of all just might be that there are NO Silicon Valley cities in the top 20 list of places where mortgage payments have grown the most in the last 24 months. The only California cities on the list are Anaheim at #3, Los Angeles at #15 and San Diego at #18, where average mortgage payments have rose 40%, 29% and 27% respectively. The highest jump in median payment occurred in providence Rhode Island – a surge of 45%, followed by Newark, New Jersey at 43%.

There is one more surprise on the list; San Francisco actually made the list of places where mortgage payments have increased the least – at just 18%. Austin, San Antonia, Fort Worth and Phoenix demonstrated the least payment growth at 11%, 12% and 14% increases.

There are virtually endless factors that account for the difference in payment increases across the US. Home price history, down payment amount, local new construction and associated inventory, remote work opportunities, and population declines are all factors that play into each location’s average house payment. The most important piece of information for you is what payment you can comfortably manage with the circumstances you are in.

While Silicon Valley may have the reputation for the country’s most expensive housing, our payment surges are not record-breaking like some areas. Staying or leaving should not be decided by what the numbers say, however, but by what your own financial situation supports. Where payments are increasing can be an indication of ‘easy’ equity, a sign of low down payments and/or high demand & competition (and multiple offers driving up prices). Should you decide to exit your current city – be sure to understand what driving forces are impacting home prices in your next community.

Read the CNBC article in full HERE .

Cheers to June,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Making Medications More Affordable

Wed, 29 May 2024 17:22:40 GMT

Actions in progress to help medications become more accessible.

All daily living expenses are becoming more costly – and medications are no exception. Reuters reported earlier this year that new US drugs are being launched at a cost 35% higher than in 2022. Last year, the Journal of the American Medical Association reported that 1 in 5 older adults skipped or delayed medications due to price concerns. While we can compare notes all day about the broken healthcare system and make ourselves ill talking about the billions of dollars that the top 30 pharmaceutical drug companies make – it is more productive to learn what is being done to help.

Yesterday, AARP published an article on 6 ways that states have helped lower prescription medication costs – including setting up drug importation programs from Canada, establishing affordability boards, capping out-of-pocket expenses, monitoring prices (and transparency), expanding drug savings programs and increasing income-based state assistance. AARP also states that they are monitoring 45 bills in 17 states year-to-date, and shares that last year almost two dozen state bills were passed to make medications more affordable.

On a federal level, the Inflation Reduction Act and the Medicare Prescription Payment Plan are intended to reduce out-of-pocket costs for drugs and medical care. Specifically changes to Medicare Part D this year reduce or eliminate cost sharing for select populations and medications, while a 2025 change will cap out-of-pocket prescription drug costs at $2,000. Read more and find the fact sheets here .

There is virtually no state or federal program that can and will help every individual with every costly medication, and Medicare.gov also offers a list of 5 ways to get help with prescription costs:

1. Consider switching to generics or other lower-cost drugs.

2. Choose a Medicare drug plan that offers additional coverage during the gap.

3. Pharmaceutical Assistance Programs.

4. State Pharmaceutical Assistance Programs.

5. Apply for ‘Extra Help’ through Medicare and Social Security.

The only way we can continue to access (or attempt to access!) needed medications is to stay informed and be prepared to be our own advocate. Be sure to make informed decisions on a state level when voting for legislation that supports drug affordability; ask your doctors lots of questions and do lots of research on what support may be available for your needed medications and financially plan for rising health care costs as you retire.

We wish you only the best of health, and only the smoothest paths as you navigate accessible and affordable treatments.

With deep care & concern,

Bobbi

Resources Used: 6 Ways States Have Helped Lower Prescription Drug Costs ; Prices for new US drugs rose 35% in 2023, more than the previous year ; 5 ways to get help with prescription costs ; JAMA Network Open Health Policy ; 1 in 5 older adults skipped or delayed medications last year because of cost ; CMS Press Release February 2024

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Honor Always | Memorial Day 2024

Sat, 25 May 2024 18:39:04 GMT

There is always room for respect.

Memorial Day 2024 is upon us, and there is virtually no day that means more to us than this one. We recently shared this message with our email contacts (who we love keeping in touch with!), but want to express the sentiments of this day with our readers as well.

As proud Americans with immediate loved ones who have served, the Bobbi Decker Team is no stranger to the sacrifices so many have made. We humbly, deeply and eternally thank those who have given their all in service for our country and our safety, and offer our genuine, deepest respects to them and their families this Memorial Day.

In all honesty, we worry that the current ‘unsettled’ nature of things and many conflicts around the world may color this day. We truly hope that while we acknowledge there are different feelings and actions occurring surrounding the diverse economic, political and social values that are prevalent today – that we can still take time to honor our past and present.

None of us could have the beliefs that we have and the lives we live without the strength and courage of those who have served. We hope that there is never a day that goes by that do not honor the land of the free because of the brave.

May we honor the lives lost so that freedom could reign.

Perhaps no greater gift has ever been given.

All our best,

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Where Baby Boomers Don’t Want To Live

Wed, 22 May 2024 21:31:39 GMT

Knowing what you don’t want is important too!

Welcome back to our Senior Spotlight! Earlier this year, we covered the top cities where Baby Boomers are headed and what cities this generation dominates , as well as snowbird life . But knowing what does NOT suit you is just as important as knowing what does. So this week, with the help of Yahoo! Finance and 24/7 Wall St. , we are revealing the places least likely for retirees to call home!

Yahoo! Finance just published an article citing 5 cities that Baby Boomers are fleeing at the highest rates, and the top 3 reasons driving that exodus. The key reasons for exiting these cities are 1) exorbitantly high cost of living, 2) overpriced housing and 3) high property crime rates. You may not be surprised to learn that two Bay Area cities made the list, both San Francisco and San Jose. Living expenses in these cities are 71% and 75% higher than the national average, while vehicle theft is a leading crime in both locales. Other cities on the list are Washington, D.C., New York City, New York and Seattle, Washington.

Also in the news this week, 24/7 Wall St. ranked 7 cities that had a favorability rating of less than 35% with Baby Boomers. The message here was that with Boomers accounting for over 20% of the population and having more affluence than most generations, their impact on these economies can be big. While poverty rates and crime statistics played a role in these calculations too, these ratings also accounted for climate (humidity, severe storms, average temperatures, etc.) . The unpopular city list includes: Columbus, Ohio, Tulsa, Oklahoma, Long Beach, New York, Detroit, Michigan, Fresno, California, Oakland, California and New Philadelphia, Ohio.

Some of these cities actually boast low crime rates and lots of things to do – but when coupled with few other retirees, lack of diversity and small size, popularity plummeted. Other cities had great diversity and lots of historic landmarks, but were either plagued with crime, subject to poor weather or simply felt overcrowded according to those surveyed.

Do you know what you do NOT want in a city when you retire? Most retirees cite proximity to family, quality healthcare systems and safety as top wants. As seen from above, many cities with a high cost of living, high crime or extreme weather are a big ‘no thank you!’.

But what if your loved ones live in a high-cost area? What if a place with great healthcare has cold year-round weather? The reality is that weighing pros and cons within your own personal priorities is key to choosing a retirement location. You know yourself best and you have got this!

Happy deciding,

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Midcentury Modern Meets Color

Mon, 20 May 2024 17:59:32 GMT

Minimalist does not have to be boring.

MCM. It’s nearly impossible to flip through a design magazine or walk through a furniture store without seeing midcentury modern design in place. In this week’s Monday Market Update we wanted to summarize what MCM looks like and where it came from and share some HGTV tips on how midcentury modern can look clean without being boring!

Midcentury modern is a post WWII design trend defined by clean lines, functional materials and geometric shapes. Designers were eager to utilize newly developed technology that allowed for more mass production, and create what individuals and families wanted in their lifestyles in that era (more to use, less for show). The Spruce states that this design movement dominated from 1945-1969; key characteristics are:

- Furnishings that focus on function over style

- Less frills, more simple curves and lines

- Mixed materials – metal, glass, vinyl

- Wood with an emphasis on teak, rosewood and oak

The expression that ‘less can be more’ holds true in implementing MCM design. While this style is sometimes overgeneralized as simplistic and overly practical, the reality is that midcentury modern is all about intentional details. All pieces should have a use – in contrast to the days when an ornate living room chair was saved for a special occasion or holiday use.

While brown tones are often apparent in the wood elements, color can and should be used! Ideal modern ways to incorporate color are to use a bright accent wall, a geometric and multi-colored area rug, a ‘playful’ accessory such as a yellow lamp or blue office chair – or even turning a staircase into a focal point with a bright hued banister.

You can find a lot of resources on what to do to incorporate MCM design into your home; that being said, designers also advocate what NOT to do ! Some common ‘do not do’ advice for this design trend is: 1) don’t forget about mirrors – they are useful and a great way to add geometric shapes and reflect light, 2) don’t over-accessorize; you can get so into choosing design elements that you go overboard and end up sinking your minimalist MCM ship and 3) don’t compromise what you love – if something does not fit into the midcentury modern box but it speaks to your personal style, use it.

Midcentury design can provide a great foundation but does not need to be your definition. Your home should be a reflection of all that you love – so don’t be afraid to show it!

Happy decorating,

Bobbi

Resources Used: Midcentury Modern Designs That Aren’t Afraid of Color , What Is Midcentury Modern Style? Here's What You Should Know , 10 design dos and don'ts for a timeless mid-century modern home

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Unretirement On The Rise

Wed, 15 May 2024 17:32:04 GMT

12% of retired Americans plan to go back to work this year.

Headlines across the web are talking about the ‘golden years’ turning into the ‘green year’s as older adults need more money and return to work after retirement. Our Senior Spotlight this week will reveal how many Americans are expected to come out of retirement in 2024, as well as the leading reasons why.

Resume Builder® recently released a study that revealed 12% of retired Americans plan to start working again in 2024. Of older Americans who are currently working, 25% were retired at one time but later returned to the workforce. Only 8% of older workers plan to retire in 2025. The ‘unretirement’ trend is not entirely new, as COVID-19 led to 2.4 million excess retirements (according to the Federal Reserve of St. Loius). By March 2022, 1.5 million retirees had returned to the workforce.

The reasons behind the growing unretirement phase will not surprise you. 61% cited their top reason for returning to work as inflation and the cost of living; 34% of those surveyed stated they had not saved enough money for retirement; 34% desired more funds to pay down debt and an equal amount, 34%, wanted to combat boredom and pursue purpose again.

Yet wanting to go back to work and actually going back to work can be two different things. On one hand, returning retirees can help fill vacant jobs and stabilize the workforce that is suffering from a lack of talent. On the other hand, 2/3 of retirees worry that age discrimination will impact their opportunities, while employers have expressed concerns about older workers adapting to technological trends such as AI.

Another challenge is that older workers could ‘clog up’ the succession pipeline of younger workers into leadership roles. A win-win solution to this has been proposed by global account leader in consumer practice, Korn Ferry , who suggests pairing former retirees with high-potential young workers. This mentor-mentee relationship enables older workers to guide more inexperienced workers in balancing growth and cost management (an important lesson for younger workers who have not experienced prolonged downturn).

Have you always thought retirement was ‘forever’? Have you retired and considered returning to work for reasons other than financial? What would you tell yourself 20 years ago if you knew what you know now about retirement transitions?

We hope this week’s topic has posed some reality-based reflections and inspired you to make the best decisions for you.

Cheers to flipping the script as you write your own retirement chapter,

Bobbi

Resources Used: ‘Unretiring’ is a growing trend: AARP ; 1 in 8 Retirees Plan To Go Back to Work in 2024 ; ‘Unretiring’ to Work ; “Unretiring”: Why Recent Retirees Want to Go Back to Work

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Home Ownership Then & Now

Mon, 13 May 2024 17:45:40 GMT

See how 1965 home prices compare to today!

Are home prices really higher than ever? The data points to a resounding ‘yes’! CNBC recently published an article that outlines how much homeowners are spending to buy a home compared to 1965.

Here are 5 facts that explain the difference:

1965 vs. 2024

1. In 1965, the median home price was $20,200; in 2024 dollars, that works out to $202,215.

2. In 2024, US buyers are spending an average of $420,800 – more than double what the adjusted median home price was in 1965!

3. In 1965, the median household income was $6,900; a median earner would spend under 3x their income on a home.

4. In 2024, the median household income is $78,171; a median earner must spend at least 5.3x their income on a home.

5. Home prices have increased 30% since March 2020 (the pandemic era).

The data above shows that even adjusting for inflation, homebuyers are paying more than twice what they were nearly 60 years ago. When you account for the income to housing cost ratio, median home prices are over 5x a buyer’s income, compared to less than 3x a buyer’s income in 1965.

Does that mean that homeownership is harder to achieve? Yes, it does – but that does not mean it is NOT worth it! Our blog has long talked about real estate as an asset class. We encourage you to continue to work with your trusted tax professionals, financial advisors and investment experts to determine how working towards owning and/or investing in a home may benefit you.

Have a great week,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Conservation Vacations For Animal Lovers

Wed, 08 May 2024 17:20:55 GMT

Travel with a purpose!

Vacations usually involve relaxation in a new destination, often interspersed with some elements of arts, culture & outdoor adventures. But did you know there is a whole segment of travel called ‘conservacation’ in which you can see the world AND make a difference along the way?! Just two weeks ago, Next Avenue published an article titled ‘Love Animals? Consider a Vacation with Them.’ The piece showcased ‘do-good’ alternatives to beach bathing or lake trips… and the suggestions are spectacular!

The idea of a ‘conservacation’ is ideal for retirees and older adults who want to travel and also volunteer. There are many organizations that allow individuals to work hands-on with scientific researchers and wildlife conservation groups to support non-profits, help feed and care for animals and document discoveries. These adventures can take place in the United States and around the world from Africa to Asia.

Example Expeditions

Earthwatch: This is perhaps the original citizen science and community engagement travel expedition center. Founded in 1971, Earthwatch offers over 40 field research expeditions around the world that require no prior experience. Opportunities include helping conserve wildlife within the Amazon Basin, helping threatened rhinos in South Africa, determining why Pacific leatherback sea turtles are disappearing from Costa Rica and so much more! Explore here .

Pandas International: This Denver-based organization is dedicated to saving the Giant Panda from extinction. They offer information for you to connect with the Bifengxia, Dujiangyan and Gengda Panda Centers in China (you can even work in a panda kindergarten & nursery!). Learn more here .

African Parks: This non-profit manages 22 national parks and reserves in 12 countries. By visiting the parks, you can support conservation and the local communities today, while helping preserve the long-term future of these regions and the wildlife within them. You may be able to help set-up camera traps to observe animal behavior, help village children pick up trash and visit gorillas! Read all about the options here .

If you’d like to take a conservacation but maybe not go it alone – consider taking a teen grandchild or booking a multigenerational family trip.

If paying to work with wildlife is not in your budget, consider reaching out to your local ASPCA, city animal shelter or a local rescue group. There are always ways to help make a difference – whether you travel around the world or drive a mile or two. Thank you for considering how you can help and add meaning to your own life and those whom you work with.

Happy tails & trails,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Most Desired Community Features

Mon, 06 May 2024 17:07:15 GMT

A house is more than a home – but also who & what surrounds it!

May is here and buyers are out in force! In San Mateo County *, inventory is hovering around 2.5 months while most sellers are receiving offers above list price. When it comes to what buyers want, the National Association of Home Builders (NAHB) has just released a study on consumer preferences related not just to homes – but also the communities they reside in. After all, 'location, location, location' isn’t just a buzz phrase; it reflects the way of life you want to have and where you feel most at ease.

The results of the NAHB ‘What Home Buyers Really Want’ reveal the top 3 desired community attributes are:

1. Convenience

2. Walkability

3. Suburban feel

The features that contribute to these desires are that 70% of buyers want to be close to grocery and retail space, over 66% want to be near a park area and 65% want to be able to walk to transportation and shopping.

Location preferences revealed that:

1. 53% of buyers want to purchase in the suburbs (either close-in or outlying)

2. 25% desire a rural-type setting

3. 23% want a central city vibe (downtown or just outside of it)

Last but not least, not everyone is working from home, so taking into account those who commute the ‘sweet spot’ for maximum mileage from work is 11.3 miles.

All of the data above comes from this report from the NAHB which surveyed more than 3,000 home buyers nationally. Note that real estate is very hyper-local, so always be sure to ask your experienced and active local agents what trends they are seeing related to what buyers want.

Cheers to loving where you live!

Bobbi

*Data courtesy of SAMCAR®

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomers Scammed Out Of $3.4 Billion Last Year

Wed, 01 May 2024 17:50:50 GMT

Older Americans are becoming increasingly targeted by phone scammers.

Can you imagine losing over $100,000 after calling ‘tech’ support? Or thinking you are wiring your money to a new account to ‘protect’ it? Sadly, this has been the reality for more than 100,000 individuals aged 59 to 77 who have reported such crimes to the FBI.

Just a few days ago, the FBI released their 2023 Elder Fraud Report from the Internet Crime Complaint Center. The publication outlines an 11% increase in monetary losses in 2023 compared to the previous year, as well as a 14% increase in filed complaints. Total dollars lost tops $3.4 billion in those over age 60; the actual figure is likely much higher as only 50% of the 880,000 filed complaints included age data.

The average amount lost per person due to scams last year was $33,915. Nearly 6,000 of the 101,068 older adult respondents reported financial losses greater than $100,000. The second highest age group was those aged 50-59 followed by those aged 40-49, who were scammed out of over $1.6 billion and $1.5 billion respectively.

In terms of how the money was extorted, a shocking 17,696 complaints cited thinking they were talking to tech support as the mechanism of loss. The second greatest reported crime type was a personal data breach. California ranked #1 for the most scam complaints across the US with a count of 11,622, followed by Florida at 8,138. Our state also totaled the greatest amount of loss with a dollar figure of $643,230,534 last year.

AARP has an entire resource center dedicated to helping older adults and their families proactively spot scams, report fraud attempts and track scams by zip code. We encourage you to visit the AARP Fraud Watch Network and share it with your friends and loved ones.

The New York Post also suggested in their last coverage of this topic that open communication is key to protecting older adults from scams. Having constant conversations with your parents and grandparents about scam types, informing them of protections without imposing, asking what they have heard about fraud and taking “an informative approach rather than an authoritative tone” are key.

We thank you for helping those in your circle of trust avoid getting taken advantage of.

Knowledge truly is power – and knowing what scams are out there and what they sound like is a critical part of limiting loss. Last but not least, do not move any large amounts of money without a second set of eyes!

Please be vigilant,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Cost Of Coverage

Mon, 29 Apr 2024 18:15:38 GMT

A summary of insights into the nation’s homeowner’s insurance issues.

Higher premiums. Fewer options. A loss of longtime coverage altogether. These are just a few of the issues that have plagued homeowners in the last few years when it comes to insuring their homes and property. Realtor.com® reports that national home insurance rates have jumped nearly 34% from 2018 through 2023, with over 11% of those costs occurring in 2023 alone. In some states (such as Texas), that rise has been as much as 60%.

Industry sources cite the main reasons behind rising costs as climate risks: floods, heat, wind, wildfires and air quality. Almost 50% of US homes “are at risk from severe or extreme damage from environmental threats, affecting nearly $22 trillion in real estate,” according to a recent Realtor.com® publication. (View the risks and map HERE .)

Not surprisingly, California ranks among the top ten states where insurance costs have risen the most in the last 5 years, coming in at #8 with an average effective insurance rate change of 43.7%.

Given that calculating climate risk is out of our control – what can we do? In most cases, homeowners accept higher premiums from their current provider and find it worthwhile to shop policies and compare coverage annually (although the options are getting fewer as some insurance carriers are not allowing new policies in certain areas at all). Other homeowners are opting to move to areas where environmental risk and insurance cost are lower. Some regions offer state plans which are a last resort to customers who are deemed ‘too risky’ by private insurers (though these are typically expensive and may require gap coverage).

In extreme cases, people who can pay off their homes, drop their insurance coverage and assume the risk of damage and repair on their own! The Insurance Information Institute and Munich Reinsurance America report that 12% of homeowners did not purchase homeowners insurance last year.

The implication for home prices is also a concern for buyers. Primarily, the cost of coverage is rising while home prices are also rising, creating a higher monthly payment for those purchasing today. In Louisiana, which has been historically ravaged by hurricanes, 30-40% of home sales fall out of contract when the buyer gets the insurance quote and sees the rate. On the flip side, S&P Global Market Intelligence predicts that “if home insurance premiums were expected to rise 20% annually for the next 20 years, home prices could fall as much as 10%.” Thus, a home that is harder and more costly to insure will ultimately be worth less. This implication has been evidenced by sea level rise and the flood insurance premiums affecting home prices.

Financial status may become the leading factor in who can live in which environmental risk areas. Experts assert that only those who are wealthy may be able to live in the storm-prone coastal areas and wildfire risk regions, while retirees and those on fixed incomes may seek to live inland and in lesser risk zones.

The less discussed solution, according to the Alabama Center for Insurance Information and Research at the University of Alabama in Tuscaloosa, is to build homes that are more resilient in withstanding natural disasters. If you are in California and in a high-risk wildfire zone, you may wish to read about how to harden your home for wildfire resistance HERE .

While this was admittedly not the most joyous topic to cover, it is a necessary and important one. Ensuring that you and your family are safe, and that you are aware of the options and factors that can impact insuring your home, is a top priority for us and should be for anyone you work with.

Cheers to making good decisions with a great knowledge base,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 3 Can’t Miss Reads For Older Adults

Wed, 24 Apr 2024 18:25:20 GMT

Federal financial protection, caregiver relief & colon cancer prevention!

Our Senior Spotlight this week covers not one, not two – but THREE trending topics that the Bobbi Decker team could not wait to share. As we scoured the headlines for the most informative and cutting-edge lifestyle tips, we found 3 new areas of interest that we feel our readers could benefit from.

The articles highlighted below come from Next Avenue and AARP and are designed to support the proactive health needs of all aging adults, as well as address the future of ‘bad advice’ from financial professionals and target a key solution to caregiver stress. Whether you can benefit from one piece of new info or a few – we hope you find something to relate to and make your life healthier and happier.

Let's Talk About Colorectal Screening After 75

Nobody wants to talk about colonoscopies, but they are a life saving screening tool; if found in early stages, colon cancer patients have a 90% survival rate for 5+ years. The Colon Cancer Coalition is working hard to separate myth from truth in many headlines that devalue the benefits of colonoscopy and has affirmed that on-time screening reduces colorectal cancer death by at least 50%. The CDC reports that nearly 70% of colon cancers could be prevented with increased screening. Unfortunately, much of the advocacy for disease prevention is targeted at those age 45-50, yet research shows the incidence of colon cancer in those aged 75-79 is 4x higher! Read more about why screening matters for all age groups and what the current policy recommendations are here.

AARP Applauds Federal Rule To Protect Retirement Savers From Bad Advice

Great news for those with retirement savings plans! Just yesterday, the Department of Labor finalized a new federal rule that was strongly advocated for by AARP. This new regulation which takes effect on September 23, 2024 requires that “all financial advisers providing advice on 401(k)s, individual retirement accounts (IRAs) and annuities will have a ‘fiduciary duty’ to put retirement savers’ interests first.” A previous ‘loophole’ allowed “some financial professionals to steer retirement savers toward products that offer higher commissions or other perks and often come with high fees, rather than toward investments that best meet the clients’ needs.” Learn more here .

The Missing Piece of Managing Caregiver Stress

Caregiver stress has unfortunately become more of a buzz word than a true area of focus and concern. We have all seen (and many experienced) caregiver burnout, been a part of the sandwich generation or received lectures on self-care – but no one really talks about how that plays out. An article published last week on Next Avenue highlights the importance of Nervous System Regulation (NSR), and the role that stress plays in making us feel unsafe and triggering our flight or fight response. Solutions include recognizing when our body has slipped into survival mode and utilizing tools such as gentle yoga, EFT taping, human connection and more. Explore the concept and explanation in full here .

We hope that one of these reads supports your own best, healthiest version of you. As spring brings new growth – may we carry that theme into our own renewal too.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Earth Day & Most Eco-Friendly Cities

Mon, 22 Apr 2024 18:13:48 GMT

Six out of the nation’s top ten cities are in California!

April 22nd is… Earth Day! It would be impossible to appreciate the air we breathe, the ground we walk on and the places we live in without acknowledging what makes it all possible – planet Earth! The 2024 theme for Earth Day is Planets vs. Plastics – and you can read more about that here . But for the purposes of home and lifestyle (which is why our readers are here!), we wanted to share some data from Realtor.com® on the most eco-friendly listings in the United States.

Realtor.com® recently ranked and shared the top 10 metropolitan areas with the most eco-friendly real estate listings. All ranked cities are in the West & Southwest, and 6 out of 10 are in California! Wallet Hub confirms that the Golden State is the ‘king of the greenest states’ based on the lowest overall energy consumption per capita and the second highest number of alternative fuel stations per capita.

Here is the list of the cities with the ‘greenest listings’; the percentage after the city and state refers to how many homes for sale describe eco-friendly features and boast sustainable descriptive terms.

Do any of these cities surprise you? Be sure to consider that cities with more newer homes are likely to have more of the modern, earth-friendly features. Those that have been newly renovated may also have more green-based additions such as artificial lawn, energy efficient heating & cooling systems and of course solar power.

Read In Full: Who’s King of Going Green? These 10 Cities Boast the Most Eco-Friendly Home Listings in the Nation

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Unretirement Planning

Wed, 17 Apr 2024 17:14:24 GMT

A new vision of not working is here.

You’ve heard that if something sounds too good to be true, it probably is, right? A new read from Yahoo! reveals that sentiment holds true for many Baby Boomers who finally have the time and resources to live out their retirement dreams – but find they are falling short when it comes to happiness. While it seems counterintuitive that retirement could bring anything but joy, many older adults struggle with a sense of loss, purposelessness, depression, loneliness and boredom.

Data supports the reality that retirement is not always a happy occasion. The National Library of Medicine published the results of the ‘Prevalence of Depression in Retirees: A Meta-Analysis’ in 2020. Findings included the statistic that almost 1/3 of retirees suffer from depression, and the highest prevalence is among those who faced a mandatory retirement or had to discontinue working due to illness.

The question begs, if retirement doesn’t necessarily bring happiness, what does? Industry experts assert a few new ways to frame retirement, while studies suggest a few actions items to reduce depression rates.

Reframing Retirement

- Think of the post-working years as an ‘un-retirement’

- Don’t expect travel and family visits to fill all of your free time

- Consider the three building blocks of: fascination, flow & generativity (more on that here )

- View retirement as a chance not to NOT have a roadmap – but to design your own

- When you retirement plan, don’t make only a financial plan but strategize a holistic life approach

- Think about how much more you still have to give – and where & how you want to give it

- Don’t only pursue what’ easy, follow what challenges you and changes you for the better

Reducing Depression

- Acknowledge that a forced retirement or one due to illness requires extra support

- Note the importance of engaged healthcare workers and committed family members is diagnosing and managing depression in older adults

-Plan for a phased retirement rather than ‘hard stop’ if you can, as sudden & major adjustments are the hardest to navigate

- Make sure un-retirement plans are intentional, and include areas of interest and purpose

- Create a safe space for retirees to talk about the sense of purpose they feel; normalize communication about things that are hard and even embarrassing

- If initial retirement plans are not fulfilling, don’t be afraid to re-balance (multiple times!)

Do we still want you to look forward to retirement? Absolutely! Do we hope you approach this exciting chapter with realistic expectations and permission to give yourself grace? 100%.

If you have any tips of what action items and thought processes supported your own transition best, we’d love to hear them!

Best wishes,

Bobbi

Related Resources: Unretired: How Highly Effective People Live Happily Ever After ; Pew Research Center

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Spring Cleaning (Don’t Do It All)

Mon, 15 Apr 2024 17:45:56 GMT

Keep things simple with one spring cleaning style.

Less is more – especially when it comes to adding on to your to-do list. If the thought of spring cleaning has you overwhelmed, try undertaking the task with this new approach featured in Houzz . Author Laura Gaskill breaks down spring cleaning into 6 different options – so you can pick the method that addresses your personal priorities.

Be sure to read ‘Choose Your Own Spring Cleaning Plan’ in full for a complete description!

#1: Bust Dust & Clutter. This form of spring cleaning is a tried-and-true classic. Remove stuff off surfaces, get rid of unwanted & un-needed items - then wipe it all down! Vacuuming behind rather than just around things is also a next-level cleaning tackle.

#2: Get Cooking. As the room in the house that gets the most use for most of us, it’s often the area that can benefit from the most attention. If you turn your spring-cleaning efforts to the kitchen only – you have the bandwidth to manage the fridge clean out, the drawers and cabinets, pantry (check those spice expiration dates!) and the appliances. Bonus: replace the pads on the feet of your kitchen chairs and legs of your table.

#3: Textile Refresh. This could involve a combo of laundering the shower curtains, pillow covers and small mats that you can wash at home, then arranging professional cleaning of carpets, couches, and larger area rugs.

#4: Go Green. Less chemicals, more reusables. This concept proposes that you switch over to natural cleansers (like baking soda and vinegar), minimize plastic by purchasing glass water bottles and cloth shopping bags and even adding in (or changing the filter on) your air purifier.

#5: Deep Clean. You might need an energy boost for this one; when is the last time you cleaned out your dryer hose and the area under the lint trap? Are you up to scrubbing behind the fridge and vacuuming the coils? Blinds, light fixtures, recycle bins… this challenge takes a close look at the items that are most overlooked.

#6: Exterior Only. Curate your own curb appeal… just for you! Hose down your siding, power wash the porch and sidewalk, wash the windows and if you are feeling motivated – how about re-staining the deck and mulching the flower beds?

Which spring cleaning style speaks to you? Have you already accomplished one of these? Completed an item on the list already? Whatever you do, please don’t do it all. Give yourself grace to clean your space on your terms, with no obligation to make it all perfect. Just make your home enjoyable and comfortable to your priorities.

You don’t want to get so busy living that you don’t have time to make a life…and enjoy it. ��

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 3 New Downsizing Resources

Wed, 10 Apr 2024 17:16:45 GMT

‘Create a legacy, not a mess.” (Michelle Passoff)

Did you know that our Senior Spotlight was originally inspired by our work with seniors when selling their lifelong homes? In caring deeply about our clients and striving to make their moves as stress-free as possible, we noticed that virtually every older adult we worked with shared one HUGE challenge: the amount of stuff. Over the years we have shared our work and results as SRES (Senior Real Estate Specialist)® agents, defined what a senior & specialty move manager is and what association provides training (NASMM®), and shared countless tips and guides. This week we are pleased to share 3 new resources in 2024 to help seniors downsize, declutter and define what matters in their life today.

“Creating a legacy, not a mess”.

Author, podcast host and blogger Michelle Passoff was recently featured in The Tampa Bay Times to talk about her upcoming book and new podcast, Decluttering 55+ . Years ago, she published a book titled “Lighten Up! Free Yourself from Clutter” and also ran an estate sales business. Get some great tips in her interview here and be sure to check her website as podcasts will be released soon!

"Moving into a smaller home with fewer possessions and obligations can launch a new frame of mind. Call it an upsized mind because it allows a clearer, crisper understanding of what's most important in this new chapter of life."

As a 25-year+ authority (and US veteran) who has helped seniors transition out of their family homes, author Ben Souchek shares his expert and drama-free advice in a new book titled “Stress-Free Home Downsizing: A Senior's Guide to Selling Your House and Simplifying Your Life.” Topics include timing, how to vet professionals that you may hire during this phase, as well as financial considerations and assessing new living arrangements. Find the book on Amazon and learn more about Ben here .

“The most challenging part of sorting through belongings during downsizing, typically, is dealing with the emotions and memories that are linked to them.”

An article published last month in The San Diego Tribune offers some high priority and concise tips for older adults who are downsizing. The author does a great job of balancing the emotional impact with the realities of why our parents and grandparents have SO much stuff – plus what to do with it. Helpful advice includes how selecting the right professionals can give your loved ones a sense of agency, and how geropsychologists can help. Read the article in full here .

We hope these new resources can offer you support and confidence if you or someone you love is looking to move on with less stuff. Please note that we are in no way affiliated or connected with the resources above and are sharing them for informational purposes only.

Happy de-cluttering,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Small Cities w/Big Demand

Mon, 08 Apr 2024 16:45:19 GMT

Two are in California and one is 40 minutes from Silicon Valley!

There are seasons in life when big city living is calling, and other seasons that sound perfect in which to experience small town charm. HGTV has just compiled a list of 30 ‘up and coming’ cities based on data from the US Census Bureau and the Milken Institute. Criteria for top growth cities and towns include healthcare, jobs, incomes, economic growth outdoor recreation and housing affordability.

While the South continues to dominate for small towns with big demand, there are some other areas on the list – including TWO California contenders.

REDDING: It’s true, this town may be home to less than 100,000 residents, but it also boasts three universities, a growing healthcare industry and several national forests! Wages and job creation are notably increasing, shining a bright spot on a town that already offers more than 300 days of sunshine a year!

SANTA CRUZ: This sandy sanctuary is not just a big place to visit, but represents the 2 ^nd largest population increase among small towns with at least 50,000 residents. 7,000 people a year have joined this community as full-time inhabitants and little explanation is needed as to why. As an iconic spot along the Pacific Coast Highway, Santa Cruz also offers surfing, hiking, beachside strolls, sailing and more.

Other top states that have small cities in big demand are Texas, Arizona and Idaho. Each of these locales has four fast growing small cities that ranked in the top 30 for large population growth.

Texas: Georgetown, New Braunfels, Abilene, Kyle

Arizona: Queen Creek, Buckeye, Goodyear, Maricopa

Idaho: Meridian, Coeur D'Alene, Idaho Falls, Lewiston

Read All About It On HGTV: The 30 Best Up-and-Coming Small Cities in America

Cheers to small towns with big lifestyle potential ;),

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Medication Safety Week Is Here

Wed, 03 Apr 2024 17:10:30 GMT

Quick tips on managing meds and limiting interactions.

Did you know that the first week of April is Medication Safety Week? While this is not often as top of mind as wearing a seatbelt in the car or looking both ways when you cross the street, the risks and impacts can be just as big!

WHO

Next Avenue reports that 7,000-9,000 people die every year as a result of medication errors. While many errors take place in hospitals or other nursing settings, as many as 33% of medication mistakes occur at home ( Patient Safety Network, 2018 ). Older adults are at great risk of medication errors due to administration and interactions since they are more prone to polypharmacy – taking multiple medications at once. Note that those at risk are not just those who take prescription medication, but those who take vitamins, herbal supplements and over-the-counter drugs as well.

WHY

The most common medication errors in older adults are caused by poor vision (may misread the label), difficulty opening the bottles and missing doses, language barriers and cognitive deficits. While most individuals do not mean to misuse medications, it can be very common to forget to ask doctors and pharmacists about interactions and side effects when new medications are added to an existing routine, or when over-the-counter drugs and supplements are utilized.

HOW

The #1 way to limit medication mistakes and misuses is to keep a list of all medication, supplements and over-the-counter drugs with you and on your refrigerator at all times. Be sure to reconcile these medications with your doctor and pharmacist at least once a year AND any time a change occurs (addition or removal of a substance). AARP states that it is imperative to review the medication regime with health care professionals when transitioning between levels of care, such as from a hospital to home.

Communication is also vital to limiting discrepancies and adverse events; be sure that every provider is aware of every medication you are prescribed and taking on your own. Ask about the risks, side effects and monitoring (i.e. bloodwork) for every prescription you take. Also don’t be afraid to report a side effect or if you have stopped taking medication so that a solution can be discussed.

We hope that you can utilize the best that modern medicine has to offer with the best of the lifestyle choices you have available to live a healthy and happy retirement. Please share these medication safety tips with someone you love and want to protect.

*This article is for informational purposes only and is not intended as medical guidance. Please discuss the best plan for medication management for you with your personal health care team.

Resource Used: Managing Your Medications Safely

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: New Month, New Themes To Think About

Mon, 01 Apr 2024 17:07:04 GMT

Consider taking time to reflect & reassess this month!

Happy April! As we continue to welcome spring, many are starting a time of renewal after a celebratory weekend. So what is on your mind? Are you entering this month with intention, struggling to stay afloat in survival mode or unsure of the path ahead? No matter how clear or cloudy your future may be, we have two themes we are focused on in the present; here they are should you wish to give them a try as well: reflection & reassessment.

If you received our email last week, these themes are a refresher! If not, may they be new and helpful as you start the week and month strong!

Reflection: The most inspiring thing to me about reflection is that it really only occurs when it is quiet, and that nature provides it all! When you omit the noise from the rest of your life, you can listen to the birds, appreciate the flowers, and feel the breeze. If you take time from your life to not just reflect, but intentionally reflect on the good, it can be one of the simplest yet most powerful things you do this spring.

Reassessment: You probably entered the new year with goals; what exactly are you attempting to accomplish? Why is it important? Who will it (or has it) affected(ed)? Is it worth it? If you reassess, you give yourself the opportunity to recalibrate and make meaningful changes to your life’s journey.

Do either of these sentiments speak to you? Is there a place you find natural to reflect in? A goal or intention that it’s time to reassess and maybe recalibrate? Whatever you do in this day and these weeks ahead, we hope you forge ahead on a path that brings you peace, happiness and comfort. These are the best things in any season!

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: AARP Shares 3 Health Advances To Benefit Older Adults

Thu, 28 Mar 2024 17:24:34 GMT

Inspired by an article just published yesterday!

‘Tis a season for blooms and bursts of color and apparently breakthroughs all around; AARP has just published an article that shares 3 impactful and upcoming medical advances for older adults. We wanted to share these hopeful health updates for 2024 so that you can keep your loved ones informed, apply them to your own care and use them as talking points to discuss with your own providers.

3 Health Advances Unveiled In 2024

#1: Xenotransplantation. Transplanting a pig from a kidney to a patient just happened for the first time on March 16th! Kidneys are the most common organ needed for transplant and donor supply is limited; 17 people die each day waiting for an organ transplant. Nearly 808,000 people are living with end-stage kidney failure in the US and most transplant recipients are aged 45-65. Thus you can see why this noteworthy pig to patient kidney transplant is HUGE news for living longer & living better!

#2: Blood tests for colon cancer. This year, the American Cancer Society reported that colon cancer rates are increasing while just over 50% of older adults are getting screened for the disease. While many patients avoid screening due to the need for a colonoscopy (the gold standard for colon cancer detection), there is a new blood test from Guardant that detects colon cancer in 83% of people who have it. This blood test is currently available but not covered by many insurance companies; it works by detecting certain cancer signals in DNA that’s been shed from a tumor.

#3: Diagnosing Parkinson’s disease w/a skin biopsy. Some Parkinson’s disease cases are harder to diagnose than others, leading to frustration and delayed treatment for many patients. A new study revealed the use of a skin biopsy in identifying a mis-folded protein (alpha-synuclein - a hallmark of Parkinson’s) that proved 93% accurate in diagnosing confirmed patients. The utility of this test and a similar spinal fluid test will be even more important as Parkinson’s treatments are making their way through the development and approval pipeline.

Advocating for your health is an ongoing task for us all – and one that becomes even more imperative with age. We hope these health advances empower you to stay proactive in dialogue with your own health care professionals. You know your mind and body best, and now you know what new advances can help you care for them!

Resource Used: New Medical Breakthroughs Older Adults Need to Know About

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Buyers Want Smaller Homes

Sun, 24 Mar 2024 17:35:08 GMT

Less is what buyers want more of – see the stats from the NAHB!

Spring has sprung and so has some emerging data from the National Association of Home Builders (NAHB). Every year, the NAHB publishes the results of a study titled ‘What Home Buyers Really Want.’ The study is technically designed to inform builders, developers, manufacturers and architects with data on what buyers are seeking in their homes and communities. The results are also an insightful indication of where the market is at with regards to demand, affordability and lifestyle.

The 2024 edition of ‘What Home Buyers Really Want’ revealed that buyers want smaller homes than they did 20 years ago. Here is an overview:

- In 2003, the typical homebuyer wanted 2,260 sq. ft.

- In 2023, the typical buyer wanted 2,067 sq. ft.

- From 2003-2012, most buyers wanted homes sized from 2,200-2,300 sq. ft.

- In 2015, the range dropped to 2,000 and 2,100 sq. ft.

- Similarly, the US Census Bureau reports that the size of new homes being built has been shrinking for almost a decade. There was a home size increase in 2021 amidst pandemic-induced needs for space.

- The median size of a newly constructed home in 2023 was 2,179. With an average home size of 2,411 sq. ft.

- The average home size peaked in 2015 at 2,689 sq. ft. and has been declining ever since.

The bottom line is that buyers want smaller homes and builders are adjusting their strategies to meet the demand. Possible reasons include: a heightened demand for starter homes as inventory constraints continue, affordability as smaller homes cost and less and fewer buyers are moving up due to their own cost concerns, less maintenance as busy lifestyles warrant less time for home projects and a growing interest in more minimalistic space and fewer possessions.

Resource Used: NAHB Releases What Home Buyers Really Want, Study Shows Buyers Want Smaller Homes

Do you want your next home to be bigger or smaller than your current one? Why do you think smaller homes are in demand? We’d love to hear your thoughts!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Four Phases of Retirement

Wed, 20 Mar 2024 20:50:38 GMT

Next Avenue recently outlined the 4 seasons of the golden years!

The Next Chapter. The Golden Years. The Last Act. Life 2.0. The Big Transition. No matter what you call it, those post era years after working are a hard-earned and long-awaited season of life. But retirement, like any stage in life, doesn’t have just one defining moment or major theme. While most approach this time of life with excitement, many struggle with a lack of purpose, loss of loved ones or other unexpected challenges. One of our go-to aging lifestyle publications, Next Avenue , recently shared an article on the 4 phases of retirement and how to prepare for them. We have summarized the phases below but encourage you to read the article in full HERE .

The Four Phases of Retirement

#1: VACATION

Most people dream of local, national or international travel when they retire, even just having time for day trips can feel like a luxury after decades of working. Experts state that the ‘vacation’ phase usually lasts several years, and financial planners advise that retirees learn to live on a fixed income before over-spending on travel.

#2: LOSS

After the more euphoric phase of travel is often a less inspiring phase… one known as loss. This refers to the emotional loss felt once the excitement of retirement has worn off and the lack of defining purpose has set in. Some retirees even question their self-worth. Experts suggest that by anticipating this phase may happen, you can think ahead of ways to reinvent yourself and set new goals.

#3: EXPERIMENTATION

As the recreating your life phase begins, many older adults test out new hobbies, try out volunteer work, join clubs or leagues or even consider moving closer to loved ones. The key aspect of this phase is to note which of the things you are doing actually brings you joy – and then do more of THAT.

#4: REWARD

Once retirees have established new routines they enjoy, this is known as the reward phase. Many find retirement more fulfilling once that sense of structure and purpose is established. By choosing activities that are meaningful and doing them regularly, the newfound sense of freedom is actually defined by the stability of new patterns of living. The caveat here is that you know what you love to do and where you want to be – you have to ensure you have the financial set-up to sustain it.

We hope this summary of the 4 phases of retirement has given you something to look forward to, and also some informative tips!

Cheers to living longer & living better,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Two Sunny Selling Seasons?

Mon, 18 Mar 2024 22:46:05 GMT

Two sales surges just might be upon us – see when in our new blog!

The sun is out and the housing market is hot! If you are thinking of selling, this week’s Monday Market Update shares some data and analysis from CNBC on when a ‘good’ time to sell may be. We typically warn those who try to time the market that anything could happen at any time. As always, we encourage you to collect data in your market, consider all the needs and facets of your individual situation and then make the decision that is best for you. The right time is a very personal decision and the data below represents just a few pieces of that complex puzzle.

Did you know that new listings are up 14.8% right now compared to this time last year? Redfin reports that this is the biggest annual gain in new listings since May 2021. On a more local level, San Jose and San Francisco have seen the largest rise in home sales; San Jose and Oakland have the highest share of homes in CA selling above list price and San Jose has one of the highest rates of homes off the market in less than two weeks!

Does that mean that now is the time to sell? Traditionally, spring is the season when many homes hit the market. Many sellers want to list and close before vacations, end of school events and graduation season. And the data above supports that the buyer demand is present and sellers are reaping the rewards. But does that mean that this just-about spring season is the only time to sell?

Industry analysts project that the beginning of June will be the second surge and the cusp of summer is going to be the sequel to the selling season we are in now. Two reasons for this are 1) A report from Zillow that shows homes that sold in the first two weeks of June last year received a 2.3% higher list price and 2) The first Federal Reserve rate cut is expected in the beginning of June, possibly signaling the general downward trend of rates to follow over the next two years.

Sell now? Sell in early June? Sell… in fall? The answer of course is up to you! We encourage you to chat with a trusted, local and actively engaged agent who knows your micro-market inside and out. As your biggest advocates for making informed and educated decisions, we encourage you to ask lots of questions, read many reputable sources and don’t let fear or desperation drive your next steps. Do what is best for you, when the time is right for you and with the right people by your side.

You’ve got this!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 10 Benefits of Gardening As You Age

Wed, 13 Mar 2024 02:16:37 GMT

Gardening adds years to your life and life to your years. – Unknown

Spring is so close we can feel it – can you?! One of our most favorite parts of spring is all that blooms, both in the great outdoors and within our souls. Nothing brings about peace and renewal like brighter nights, longer days and color abound outdoors. Gardening not only feels good – but has been scientifically proven to have actual benefits to our physical and mental health, quality of life and even socialization. Below are 10 amazing reasons why older adults should consider embracing the gits that come with gardening… even if you grow nothing but weeds! ��

10 Benefits of Gardening

1. Less Stress. Older adults who garden have been found to experience better sleep patterns, less stress and enhanced self-esteem (Cambridge University Press).

2. Better Nutrition. We all know that fresh fruits and vegetables offer higher nutrition and growing them yourself makes access easier than ever.

3. Optimal Vitamin D. Tending to the garden increases your time in the sun – which boosts Vitamin D levels needed for strong bones and a robust immune system. (Be sure to wear sunscreen, drink plenty of water and check your medications for sun interactions first!)

4. Increased Activity Levels. Regular light exercise improves heart health & physical strength; lifting small potted plants, digging in the soil and raking leaves are all activities that fit the bill. (Raised garden beds are a back-saver too!)

5. Shared Connection. Gardening is a great way to drive socialization. Consider gardening with your grandkids, contributing to a community garden or flower shopping with friends.

6. More Happiness. A review of research has demonstrated that contact with nature is associated with increases in happiness and a sense of meaning and purpose in life. (University of Washington) You know what we say about living longer & living better…

7. Harnessing Core Cognitive Skills. Being exposed to natural environments has been shown to improve working memory and cognitive flexibility as well as enhance cognitive control. (Current Directions in Psychological Science)

8. Restoration & Recuperation. Other studies have supported that seeing landscapes and hearing natural sounds leads to a refreshed brain that makes fewer mistakes and increases performance on challenging cognitive tasks. (Journal of Environmental Psychology; Psychonomic Bulletin & Review)

9. Continuing Independence. Gardening is not only a great chance to meet others, but to stay less reliant on adult children and caregivers. After all, if you can make progress in the garden – you may be strong and motivated enough to continue caring for yourself longer too.

10. Don’t Forget Dexterity. Older adults who garden have significantly higher grip strength than those who don’t, and get more regular practice with fine and gross motor skills. (The American Society for Horticulture Science)

We hope no matter what inspires you to garden – that the benefits that follow provide more health and happiness than you expected. And as others admire your hard work and bountiful color and greenery, may you find peace knowing that have spread the joy to onlookers too!

Resources Used: Nurse Next Door, Cambridge University Press , American Psychological Association , IntegraCare , Senior Services of America

Happy planting,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 6 Up & Coming Outdoor Design Trends

Sun, 10 Mar 2024 22:23:07 GMT

Inspired by daylight savings time!

The clocks have sprung forward – has your energy jumped ahead too? There is nothing like these longer days and lighter nights to inspire us to spend more time in our outdoor spaces. Realtor.com® has recently revealed 6 of the hottest outdoor design trends making their appearance this spring & summer… which idea is your favorite?

We hope you begin to enjoy the awakened feelings of warmth that arrives with daylight savings. Take a moment, if you can, to enjoy your outdoor space and think about how to make it even more inviting – not just for others but for you.

Read Article In Full: The 6 Hottest Outdoor Design Trends You’ll See Everywhere This Spring and Summer

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Aging In Place & Memory Care

Wed, 06 Mar 2024 17:06:55 GMT

6 considerations from the National Council On Aging.

Welcome back to the Bobbi Decker Senior Spotlight. Most of you know that many years ago my passion for working with older adults during life transitions drove my career as a Senior Real Estate Specialist®. But supporting seniors meant so much more than just selling homes, and many seniors have no intention of selling at all. Thus, my heart and mind opened to learning about ways to help seniors access resources that enabled them to live safely, happily and healthy wherever they wanted and needed to be. Most often this was in their current homes, which is why today’s blog is dedicated to aging in place.

The National Council On Aging (NCOA)® reports that 88% of adults aged 50-80 want to stay in their homes as they age. Critical considerations to make this happen are often finances, quality of life, safety and of course support systems. The benefits of aging in place are often apparent – maintaining independence, not having to ensure the life transition of moving, continuing existing support systems in the community, and possibly saving money (long-term care facilities are not cheap!).

While aging in place is desired by most, it is not ideal for all. The NCOA® indicates that aging in place presents particular challenges for those with dementia – which impacts nearly 6 million people in the US. This doesn’t mean that those with memory decline cannot stay in their homes, but that the NCOA® has identified 6 concerns that need to be addressed.

This section below is courtesy of the NCOA® website; read in full HERE .

“Six challenges to aging in place for people with dementia are:

1.Memory decline: Memory loss is progressive in people with dementia, becoming more pronounced as time goes on.

2.Low mood: You may notice a person with dementia is not participating in their usual hobbies or interests.

3.Social isolation: People with dementia may wind up socially isolated (physically alone) or experience loneliness due to feelings of shame or inadequacy.

4.Problems with mobility and completing physical tasks: In addition to the progressive cognitive decline with dementia, people often become less active. This leads to loss of muscle mass and can impact walking or other physical activities.

5.Issues completing activities of daily living (ADLs): Instrumental ADLs (IADLs) are activities like paying bills, driving, and maintaining a household, whereas basic ADLs (BADLs) include bathing, grooming, dressing, and feeding oneself. ADLs get more challenging with cognitive impairment, and BADLs often become more challenging later as the illness progresses.

6.Lack of education regarding cognitive impairment: Family, friends, and caregivers may not be educated about special considerations for people with dementia and their care.”

We hope that this topic has been a new, informative and helpful one for you. If you know of a loved one who would like to age in place, it may also be a good idea to work with them and their medical team to see what considerations are relevant to their needs. This list could likely be modified to support many individuals and couples who plan to stay in their homes as long as possible.

Cheers to living longer & living better!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Happy Women's History Month

Tue, 05 Mar 2024 17:49:24 GMT

Our new blog features facts about women in real estate & as homeowners!

Happy March! This is the season when we spring forward (those clocks jump forward this weekend!), start to see flowers bloom and celebrate Women’s History Month! People Magazine offers a great overview of what Women’s History Month is and why we celebrate it here . But for our purposes, we wanted to share 10 fun and fabulous facts about women in the real estate industry and as homeowners!

We bet most of this data is new to you… or is it? Read below and let us know!

10 Facts About Women & Housing

1. Most residential REALTORS® are women (over 66%), but they are less represented in executive roles.

2. The commercial real estate industry is comprised of only 36.7% women.

3. 7 women have been elected as NAR® Presidents.

4. The American Land & Title Association (ALTA) was first established in 1907 – and was called the American Association of Title Men. The name changed to be inclusive in 1923 , but ALTA did not have it’s first female President until 2000.

5. The National Council of Architectural Registration Boards reports that 2 in 5 new architects are women.

6. 3 out of 17 Secretaries of the U.S. Department of Housing and Urban Development have been women. Two served in the 1970’s, and the current HUD Secretary is female.

7. Women’s median weekly earnings are only 83% of men’s; however, single women own 2.71 million more homes than single men.

8. Women were not allowed to finance a home purchase without a male co-signer until the 1970’s.

9. States with the largest share of single women homeowners are Delaware, Louisiana and Mississippi.

10. Single women are more likely to own a home than single men in 48 out of 50 states.

Resources Used: NAR® , Forbes , Lending Tree , Bankrate

Cheers to those who have supported equality and the right for women to earn roles as agents, title representatives, architects, homeowners and more. Men and women and all people working together can achieve so much more than any one segment of the population alone!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Veteran Health Care Expansion Starts March 5th

Wed, 28 Feb 2024 18:17:02 GMT

This makes millions of veterans eligible before the PACT deadline.

As you know, the Bobbi Decker Real Estate Team holds a special place in our hearts for all who have served. Therefore, we felt compelled to share and help spread the news about an expanded benefits option for veterans that begins March 5th, 2024.

You may have heard of the PACT Act of 2022, which is a new law that expanded VA healthcare and benefits for those who served and were exposed to toxic substances and burn pits. Key components of the act include: an improved decision-making process for medical eligibility, initial and follow-up toxic exposure screenings, VA healthcare staff education & training on toxin exposure, research study requirements for certain combat zones and authorization of 31 new facilities to provide greater access to VA care.

The act originally called for a phased in approach occurring over 8 years, however, just two days ago (February 26, 2024) VA announced an immediate eligibility beginning March 5th, 2024. The press release states that:

“All Veterans who were exposed to toxins and other hazards while serving in the military — at home or abroad — will be eligible to enroll directly in VA health care beginning March 5, 2024. This means that all Veterans who served in the Vietnam War, the Gulf War, Iraq, Afghanistan, the Global War on Terror, or any other combat zone after 9/11 will be eligible to enroll directly in VA health care without first applying for VA benefits. Additionally, Veterans who never deployed but were exposed to toxins or hazards while training or on active duty in the United States will also be eligible to enroll.”

Read the Pact Act Overview HERE

Get the Two-Page PACT Act Fact Sheet HERE

See The VA Press Release HERE

Review The AARP Summary HERE

Please be sure to share this information with anyone you know who may be eligible. More information about the act and eligibility can be found at VA.gov/PACT or by calling 1-800-MYVA411.

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Updates: 5 Key Take-A-Ways From Fannie Mae Press Release

Mon, 26 Feb 2024 19:35:57 GMT

The just released February 2024 Economic Outlook shows a glass half-full for housing.

The end of February brings what real estate industry professionals consider the start of the spring real estate market. While high rates and reluctant sellers defined much of the housing activity last year, a press release from Fannie Mae released just 3 days ago paints a more positive picture for 2024.

Read the Full Release HERE

5 Key Take-A-Ways

#1: The Fannie Mae Home Purchase Sentiment Index® (HPSI) increased 3.5 points last month, the highest consumer confidence shown in housing since March 2022.

#2: The Fannie Mae Economic and Strategic Research (ESR) Group anticipates that mortgage rates will drop to 5.9% by the end of 2024 and 5.7% by the end of 2025.

#3: Single family housing starts (new homes) are expected to trend upward this year as permits have increased for 12 months and Fannie Mae asserts that ‘demand for new homes remains robust.’

#4: Total home sales in 2024 is projected to rise 5% to 5 million units, a mild increase from the last Fannie Mae forecast.

#5: The ESR Group also upgraded its 2024 macroeconomic growth outlook but still suggests that this year will have a slower pace of economic growth than 2023. While Q4 2023 ended with a stronger than expected GDP and population growth & immigration trends point to faster payroll and GDP growth, low savings rates and labor market softness indicate more cooling than warmth as far as an overall economic climate pattern.

While the surveys show more housing market optimism and the rates seem to be trending downward, how are you feeling about the market? Do any of the current indicators inspire you to stay, sell or dive into more data? Do you think inventory could finally loosen this year? No one knows the answers… but the questions keep us educated, empowered and eager to learn more.

Cheers to making the best decisions for you in 2024 and beyond!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Travel Inspiration Near & Far

Wed, 21 Feb 2024 17:49:20 GMT

Do you want to see the world or take a ‘trip’ a few miles from home?

Spring is almost here, and summer will be following close behind; is it just us or do those seasons make you want to get out & about? Travel is a key retirement goal for 63-65% of those aged 50 and older, according to wealth management surveys. Benefits of travel extend far beyond the fun, as trips increase activity levels, promote social connectivity, and support cognitive stability and confidence. Therefore, we are dedicating this week’s blog to a few travel ideas to inspire your own best life in the months to come.

‘Sea’ The World

Travel by cruise ship is a convenient, all-inclusive way for seniors to ‘sea’ the world. Just a few days ago, The Travel published an article on the 10 best cruise lines for seniors. Many of these cruise lines offer specialty meals to meet dietary needs or preferences, some offer increased accessibility for those with mobility/sight/hearing challenges, and all offer amazing experiences and amenities. Examples include Broadway-style entertainment, specialized small-group or intimate experiences, world class dining, high-end casinos and even art workshops and culinary classes. While some lines cater to a luxury lifestyle, others opt for maximum affordability.

Crowd Pleasers

If you have high hopes for travel but are lacking a partner or friend to join you, travel groups can give you the best of both worlds. Travel + Leisure magazine compiled a list of 14 senior-friendly travel groups last summer, featuring ‘travel experiences as diverse as their clients.’ Travel groups offer the opportunity to meet others who share your interests, and often plan all the details for you so all you have to do is show up! From ‘Walking The World’ where hikers cover 4-8 miles a day in immersive destinations, to ‘Road Scholar’ tours for lifelong learners to food and wine adventures, there are near endless options. Convenience + company = ultimate travel goals.

No Place Like Home

Not all of us have the desire or the budget to plan a grand adventure. But you can still enjoy the benefits of travel by creating experiences at home that feel like vacation. The Holiday Senior Living publication suggests planning a ‘staycation’ just as you would a vacation. Create trip goals such as where to get a manicure, what trail you wish to explore, or which beach you’re going to take in the sun at. Even planning a day trip in Carmel or meeting friends for lunch and shopping at Santana Row in San Jose offers a great break in your daily routine. The Bay Area especially has countless nature trails, museums, cultural centers, fine dining options and beach towns that are ideal inspiration.

Do any of the above travel ideas appeal to you? What is the #1 thing that matters most to you in a trip? Feel free to share your upcoming excursions or favorite past ones!

Happy trails,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The White House As A Home

Sun, 18 Feb 2024 22:40:55 GMT

Factual & fun facts about this American treasure in honor of President’s Day.

Hello Readers! February is moving fast, and President’s Day is here! For many markets and businesses, the day is a holiday from work and for many families it kicks off a ‘ski week’ break. But this third Monday of the month is more than just another day – it commemorates the birthday of our first US President George Washington. Many publications call this the most patriotic day next to the 4 ^th of July, and the honor is now widely used to recognize all of our nation’s presidents and not just the first one. But since we are a real estate blog, we are going to focus on the wonder that our leaders call home – the White House.

Did you know that George Washington never lived in the White House? He selected the architect and approved plans from nine contenders in a national competition. John Adams was the first President to occupy the White House in 1800.

SIZE

The current size of the White House is over 55,000 square feet on six levels set amidst 18 acres of land. The interior is comprised of the Executive Residence, East Wing, West Wing, and Oval Office totaling 132 rooms, including 16 family and guest rooms and 35 bathrooms.

STYLE

Winning architect James Hoban was selected for his Palladian neoclassical design with elements inspired by a Federal Hall in New York City and a James Gibb structure featured in the 1728 ‘Book of Architecture’.

REBUILDS & RENOVATIONS

The White House was burned down by the British during the War of 1812 and was rebuilt in 1817 by Hoban. He was also retained for additions that were completed from 1824-1830, namely the South Portico and North Portico. While every president and first lady are known to ‘leave their mark’ in some way via the addition of art, technology, pools, putting greens, the other major structural renovations were completed in 1902 and 1952.

COST
The cost to build the White House was $232,372 (construction started in 1792). In 2017, Zillow calculated the value to be $397.9 million.

OOOPS

Did you know the White House was nearly condemned in 1948?! Truman was forced to live in the Blair House when experts concluded the aging building was no longer structurally sound after the repair budget had been ignored during the FDR administration. In 1948 engineers deemed the building unsafe for occupancy and Truman spearheaded the extensive renovation which followed, with completion in 1952.

BY THE NUMBERS

The White House has 412 doors, 147 windows, 28 fireplaces, 8 staircases and 3 elevators.

NON-HUMAN RESIDENTS

While you probably know that many presidents have welcomed dogs and cats into the historic residence, the White House has been home to many other exotic and farm animals as well. John F. Kennedy brought birds, hamsters, rabbits and horses onto the property. Thomas Jefferson kept two bear cubs there, Martin Van Buren was gifted two tiger cubs there (later transferred to a zoo), William Henry Harrison brought a billy goat and cow to the premises, James Buchanan had a pair of bald eagles and Grover Cleveland’s animal assortment included puppies, ponies, goldfish and chickens!

Did you learn something new about the home of our presidents today? Have you ever toured the White House? What changes would you make if you lived there? As we consider the fun and fabulous parts of this historic building, may we also honor that many of our nation’s biggest decisions and hardest changes have occurred here. A home is not just the walls on the outside, but the events and celebrations that happen on the inside. The White House is no exception to the rule.

Happy President's Day!

Bobbi

Resources Used: USA Today , WhiteHouseHistory.org , Architectural Digest , Readers Digest

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The Retirement Age Debate Is On

Wed, 14 Feb 2024 18:08:38 GMT

More Americans than ever are turning 65… is this still the ‘right’ retirement age?

Did you know that 2024 is poised to see the greatest surge of Americans turning 65 in one year? If you look at the Peak 65 website , you can see how many people have turned 65 today alone (as of this posting at 9:33am on 2/14/24, 4,751 people have had this milestone birthday today!). The Retirement Income Institute at the Alliance for Lifetime Income estimates that 11,200 Americans turn 65 everyday, which accounts for 4.1 million people per year and is projected to continue for the next 3 years.

The age of 65 has traditionally been considered the retirement age, as this denotes when individuals become eligible for Medicare coverage. CNBC also summarizes that “…for Social Security benefits, the full retirement age — when a qualifying worker is eligible for 100% of the benefits they earned — is moving to 67 for anyone born in 1960 or later.”

You may be wondering why the retirement age is a topic of debate, and maybe even be surprised to hear that it is controversial in the US and around the world. (Last year, France endured fierce protests when their pension reform moved the retirement age from 62 to 65.) There are two main ways in which the retirement age impacts aging Americans. First of all – it is a question of funds. Moving the retirement age older shifts when funds are distributed and benefits are paid out, a huge governmental concern as funds dwindle and more beneficiaries age into Social Security and Medicare. Raising the retirement age is deemed a benefit cut, one that accounts to a 20% reduction in lifetime benefits for recipients (according to the Center on Budget and Policy Priorities).

The second issue is that certain industries are aligned to work only until retirement age. Pilots face age caps from commercial airlines who do not enable them to fly past 65; similarly, there are issues with doctors getting insurance to perform surgery or practice past a certain age. Naturally every worker from every industry is impacted when they cannot draw benefits or receive Social Security at the age they have been planning for.

The retirement age debate is an ongoing one, and an example of why having a diversified retirement income and a strategic retirement plan is necessary for your future. You have always heard not to put all your eggs in one basket… and now there is a shift towards staying in the coop longer! How do you feel about the retirement age being raised?

Resources Used: As Baby Boomers Hit ‘Peak 65’ This Year, What The Retirement Age Should Be Is Up For Debate ; Peak 65 , Baby Boomers Are Reaching ‘Peak 65,’ But Retirement Age Debate Continues

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Super Bowl-Inspired Reads

Sun, 11 Feb 2024 18:15:40 GMT

It's not just about the sport - but who you watch it with & where!

Whether you are a football fan or not, it was hard not to be excited about the 49ers in the big game! Before the spring real estate market starts to rock and roll in the next few weeks, we thought we would take a moment to share some fun reads inspired by the Big Game – here goes!

Super Bowl Shocker: A Surprising Spin Through the Homes of the San Francisco 49ers (Which Aren’t In San Francisco)

This read from Realtor.com® reveals where some of the 49ers have called home – and nope it’s not the team’s namesake. From the Los Altos hills to Morgan Hill to Nashville, these homes and reasons behind them are worthy of a glimpse!

40 Home Entertaining Trends Experts Say We’ll See in 2024

Game Day is sometimes less about the sport and more about the people watching it together. Whether you like to entertain groups big or small, this article from Better Homes & Gardens shares 40 home entertaining trends to bring out in 2024. Interactive food, beverage trends and distinctive décor ideas are all here!

7 Two-Player Games for Couples to Make Your At-Home Date Nights More Fun

Whether you are a party of two or only two people at your gathering like to play games, this is a great list of activities to have on hand (and great for gifts too!).

How To Entertain Guests At Home

Published on The Inside Blog, this read takes us a little back to basics with how to host, yet forward in time. The general idea is that entertaining is NOT about the rules – but about the experience and the feeling. Yes, please.

8 Tips for Pet Safety When Entertaining

We could not talk about having people over without talking about who is already in the home – pets included! This overview from Better Cities For Pets offers 8 tips to keep pets safe when having others over. A must-read if you have any four-legged family members. ��

Last but not least, as you consider entertaining this year, we encourage you not to wait until there is a ‘big’ holiday. Every day gives us reasons to celebrate or simply be together. Enjoy each moment for what it is – not what the calendar calls it.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Building Your Balance Bank

Wed, 07 Feb 2024 20:04:07 GMT

No – we are not talking about money, but physical deposits that count!

Our Senior Spotlight has long focused on slips and trips and how to avoid falls as a way to live independently for a longer time. However, this is often a topic of discussion once a loved one has fallen, or once we see physical signs of disequilibrium. A new read from Next Avenue highlights the critical importance of focusing on balance before it becomes problematic.

We encourage you to read ‘Don't Wait to Focus on Balance’ in full; we have highlighted the key points and must-knows below!

Did You Know:

- The 3 keys to healthy aging are strength, flexibility & balance: all 3 are needed to remain independent and safe in one’s home over time.

- The CDC has reported a 41% increase in falls for adults 65 and older from 2012 – 2021, resulting in 3 million hospital visits and 1 million hospital stays each year.

- Balance begins to decline after age 50, with a recent study showing significant balance decreases every 5 years starting at age 55.

Balance Basics:

- Definition: Good balance means you can stay on your feet while both standing still and moving.

- Muscle and bone strength are the foundations of balance.

- The 3 systems of your body that must work together to control the muscles and bones are the vision system, inner ear & proprioceptive system (which allows you to feel where your body is in space).

The Balance ‘Bank’:

Next Avenue provides a great analogy from a Canadian physical therapist & clinic director: "You have to start putting investments in your system now, so you have something to draw on as you age. Sometimes, you're going to take big draws because you're in bed for a month with an illness, injury or surgery. You want to have a strong balance in the bank, so when you need to make withdrawals, you've got it."

Testing & Improving Balance:

- Start by trying the Romberg Balance Test followed by the Sharpened Romberg .

- Try standing on each leg for 15-30 seconds and then switch off, adding in a head turn while standing on each leg.

- With support nearby, practice the 5x sit-to-stand test and note if it takes longer than 15 seconds, you are at greater risk of a fall.

- Talk to a doctor about your own balance and ask him/her to assess & suggest a plan for you!

- Typical ways to improve ones balance are: walking, strength training, practice standing on each foot (and throw a ball in the air to engage your vision system!), balancing with both feet and then one foot at a time on a medium density foam pad active plus lifestyle activities such as hiking, Pilates, cycling and dancing (if it is safe and you are able!).

Last but not least… one of the best ways to build balance is… walking on the beach! Dan Sivertson, (Physical Therapist, Founder and Clinic Director of Pure Form Physio) calls walking in the sand “a buffet for your nervous system. It's challenging and makes different muscles work.” Since that is the case… I say we should all go practice our balance in Maui!

Cheers to thinking about balance long before you fall,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Calm After The Storm

Mon, 05 Feb 2024 19:51:38 GMT

Evaluating storm damage & needed supplies

Good morning Bay Area… we hope you are safe, warm and dry after the storm that rocked much of Northern California. News outlets are reporting on the recovery from what is being categorized as a level 4 major storm and the associated ‘bomb cyclone’ that caused winds from 99-102mph in some parts of the San Francisco Bay Area. Winds exceeded most expectations while rainfall was heavy but fell on the low end of anticipated levels. Over 200,000 NorCal residents remained without power Monday morning, while 68% of PG&E customers were impacted by the storm at some point.

While the statistics speak for themselves, we want to know how your home and family fared. Did you have everything that you needed? Did you have others reaching out for help? Is there anything you wish you had done to prepare differently? We would love to use this as a time to reflect on storm recovery and supply preparation. Here are some tips, resources & ideas to ensure that you stay safe in any weather. Because as soon as we get through the wet weather… we all know that wildfire season will follow shortly after.

Storm Recovery

- Have you walked the perimeter of your property (when it is safe to do so)? Look for misplaced debris, fallen trees and branches as well as holes in fences.

- Look for leaks: are your windowsills dry? Is there any visible flooding? Do any of your electrical systems have water damage? Do you see stains, mold or dampness?

- Does your roof have any sagging areas, missing shingles or signs of leaks?

- Don’t forget what you can’t see: be on the lookout for unusual odors, strange sounds or increased moisture levels (there are moisture meters!) coming from crawl spaces or basements.

- Document everything with photos for both structural and cosmetic damages as soon as possible and be sure to call your insurance company ASAP.

*Get more tips from The Yale Ledger & Modernize .

Alerts & Outage Maps

- Have you signed up for your county’s emergency alert system? Did you receive notifications. Here are some important avenues for those notifications: ReadySCC , AlertSCC , Wireless Emergency Alerts/CalAlerts

- For PG&E power outage updates, maps and to sign-up for notifications, visit: https://pgealerts.alerts.pge.com/outage-tools/outage-map/

Supplies & Preparedness

- Did you have enough flashlights & batteries? Did you have ways to charge your phone and call for help if needed? Now is the ideal time to purchase what you were missing so you have it for next time!

- Ready.gov offers a great page on Building A Kit.

- See the National Weather Service Emergency Supplies Kit here

- Take a look at a list with pictures on The Family Handyman site… and don’t forget about your pets!

Whew! What a start to the week. We truly hope that in the aftermath of the storm you can say you were safe, felt prepared and had everything you needed. Last but not least… thank you to those who looked after others, checked in on the disabled and elderly and offered a helping hand where needed. We hope you received help if you were someone who could benefit from it… and offered help if you were in a position to give it.

Our best resource in tough times is quite often… each other.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Baby Boomer Homeownership By Metro

Wed, 31 Jan 2024 19:07:23 GMT

Boomers dominate more California cities than you might expect!

Did you know that while Baby Boomers make up 20% of the US population, they account for almost 40% of homeowners? An article published by NBC last week revealed that Americans age 55 and older own the majority of US homes… and broke down the notable geographic differences.

Geographic Differences in Baby Boomer Homeownership

- States in the Northeast have the largest share of homes owned by baby boomers.

- Midwest states are more likely to have fewer baby boomer homeowners.

- Major metros with warmer climates across the US also demonstrate Boomer dominant homeownership – such as Tucson, AZ, Tampa-St. Petersburg-Clearwater, FL, Los Angeles-Long Beach-Anaheim, CA and Miami-Fort Lauderdale-West Palm Beach, FL.

The NBC article with data compiled by Construction Coverage also broke down the data by large metros, mid-size metros and small metros with the most and fewest Baby Boomer homeowners. You can find that complete data in the full article ; for our purposes we have selected the California regions that made the list of most & fewest Baby Boomers here (and we thought everyone was leaving California!):

CALIFORNIA METROS W/ MOST BABY BOOMER HOMEOWNERS

LARGE METROS

- Los Angeles-Long Beach – Anaheim, CA (39%)

- Sacramento-Roseville-Folsom, CA (38.2%)

MIDSIZE METROS

- Santa Maria-Santa Barbara, CA (46%)

- Santa Rosa-Petaluma, CA (46%)

- Oxnard-Thousand Oaks-Ventira (42.4%)

SMALL METROS

- San Luis Obispo-Paso Robles (45.7%)

- Redding, CA (44.2%)

CALIFORNIA METROS W/ LEAST BABY BOOMER HOMEOWNERS

LARGE METROS

- Fresno, CA (34.2%)

MIDSIZE METROS

- Visalia, CA (33.3%)

- Bakersfield, CA (33.8%)

- Stockton, CA (34/7%)

SMALL METROS

- Hanford-Corcoran, CA (30.1%)

- Merced, CA (30.9%)

- Yuba City (32.4%)

On a state-by-state breakdown, California did not make the list of states with most or fewest Baby Boomers, which is surprising when we talk about the California exodus. Though given their higher equity and accumulation of wealth, it is more feasible that Boomers can afford to retire here if they choose, whereas as many families and new college graduates are seeking more affordable places to build their lives.

There are pros and cons to everything in life… including where you retire and why. May the choice you make reflect what you want and what (and who!) makes you happy.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: What Contractors Wish Every Homeowner Knew

Mon, 29 Jan 2024 18:55:49 GMT

Tips to eliminate disconnect & disappointment.

Homeownership. It’s a beautiful thing – but it does require renovation and repair at times. Making your home your own, and keeping it that way, is an exciting experience at times. With that enthusiasm, however, often comes unexpected challenges and big decisions.

Recently Rico Leon from HGTV’s ‘Rico To The Rescue’ shared the things that drive contractors crazy. We have reframed his advice into what you can do to make home repairs and renovations a more seamless experience.

Here goes…

1) Home values have gone up a LOT in the last few years (yay!)… but so have materials and labor. Rico explains that people were thrilled when home values went from $230K to $700K in Denver, but then shocked when a kitchen update went from $30K to $90K. Keep in mind that home prices are rising – and so is everything else that goes with it.

2) Don’t always select the contractor that promises perfection. Look for realistic expectations and promises of communication. Very, very few home projects are seamless – and anyone who tells you otherwise may be setting you up for disappointment. Rico shares that some contractors focus on the ‘sell’, then over-promise & under-deliver. His style shares ‘the good, the bad and the ugly’ and he swears that honesty is the secret to his success.

3) Have an open conversation about will & will not be in the contractor’s control. Two of the biggest time hurdles are city permitting and insurance battles – two factors that neither the contractor nor homeowner can control but do need to follow-up with.

4) The language of the contract matters – greatly. Be sure that the project contract has the full scope of work and what is included, and outlines project milestones, which costs are due when as well as who is responsible for what delays (i.e. the homeowner chooses a tile that will take 3 months to come in).

Last but not least… don’t forget the golden rule. Rico tells Realtor.com® that homeowners often talk to contractors like kids or begin with accusations rather than questions. He suggests treating others how you want to be treated; instead of saying "Why isn’t the floor in yet?” try rephrasing as “It looks like things are going slower than we planned, let’s figure out what happened.”

Ultimately you are the homeowner and the contractor is providing a service. But like any working relationship, upfront expectations, honesty & communication are the keys to a great experience and fantastic result!

Do you have any home projects planned in 2024? What are your biggest hopes… and fears? We’d love to hear all about it!

Source: ‘Rico to the Rescue’ Reveals What Drives Contractors Crazy: Have You Done It?

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Acknowledging Male Caregivers

Wed, 24 Jan 2024 21:08:55 GMT

Did you know that 40% of US caregivers are men?

There are fewer roles that are more emotionally demanding and physically draining than caregiving. While caring for a loved one can be an extremely rewarding experience, it can also be heartbreaking and exhausting. Yet most often when we think of caregivers, including familial ones, we think of women. Yet the California Caregiver Resource Center reports that 16 million caregivers, or about 40% of those in the US, are men. As we have focused on ways to improve the quality of lives for those who are aging and those who love them, we feel it is important to address the dedication and also the challenges faced by male caregivers.

The National Study of Caregiving (NSOC) has stated that male caregivers “have weak support networks and are less likely to seek out programs which increase their caregiving capabilities and help them cope with this burden.” Men are also more likely to face stigmas with even being accepted as competent, proficient and very willing primary caregivers.

Yet Next Avenue asserts that “male involvement in caregiving is essential, mainly because fathers, brothers and others have always played a significant role, even if overshadowed by their female counterparts. Consequently, highlighting… the roles of men in the family, in caregiving and including them in programmatic actions is essential to improving the overall quality of care.”

The resources we explored suggested these considerations to better support males in caregiving roles:

- Offer male caregivers both "experience experts" (male caregivers) and "content experts' (researchers and staff) to define problems and solve real-world caregiving challenges

- Advocate for employers to empower both males and females to put family first, to offer benefits and leave and access to resources related to caregiving

- Note that men are more likely to under-report the burden of caregiving and often feel ashamed to admit negative feelings

- Never underestimate the power of knowledge; 84% of caregivers (males included!) wish they had more qualified resources on care management of a loved one

- Normalize that asking for help is acceptable. Caregiving takes kindness, patience, empathy and… it cannot and should not be done alone.

Find your local caregiver resource center here .

Do you know a male caregiver? Do you know any caregiver who could benefit from more support? If you have been a caregiver, what is the one thing you wish someone would have (or would not have!) told you?

Caregiving is a part of seeing a loved one manage a health condition or even age. The conversations surrounding it are crucial to support each other through one of the hardest walks in life. Let’s keep the communication going. Please feel free to share what other caregiving topics you would like covered in the blog!

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: How Housing Concluded In 2023

Mon, 22 Jan 2024 19:36:18 GMT

The final number are in on state and national levels – NAR® & CAR® graphics enclosed!

January feels like a long month… so long in fact that you may be shocked to hear it was 2023 just 22 days ago! The local and national real estate association are just finalizing their data and reports from last year, and today we wanted to share infographics from both the California Association of Realtors (CAR)® and the National Association of Realtors (NAR)® . These charts provide a summary of where median home prices, inventory levels and prices have landed as we kick-off 2024. Here you go!

On a national level, you will see that seasonal lows and likely rates seemed to impact those December sales, as year-over-year and month-over-month numbers reflected fewer homes sold. Year-over-year however, the sales prices were up over 4%!

On a state level, sales mirrored low levels and median prices also improved year-over-year. As you’ll see, California inventory is even lower than national inventory, with only 2.5 months (a balanced market is typically 5-6 months).

If you’d like to see some local data, be sure to visit the San Mateo County Association of Realtors® or the Santa Clara County Association of Realtors® or your local housing organization, and of course note that micro market trends vary greatly within each region.

On a ‘big picture’ level, most of the data confers that even when sales and prices vary from month to month, the year-over-year trends still show prices going up, equity improving and inventory struggling. 2024 just may have a lot to offer!

Have a great start to the week!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Healthcare Considerations For Snowbirds

Thu, 18 Jan 2024 19:27:39 GMT

Living in two places can be fun – but managing two healthcare systems may not be

Achieving the best quality of life in retirement isn’t just about where you live, but how you manage your well-being within it. While being a ‘snowbird’ offers a great quality of life and maximizes one’s time in warm weather, the downside may be how to maintain your health and access quality medical systems in two locations.

A recent read on Next Avenue , written by a 25-year career registered nurse, offers unparalleled tips on ‘How Snowbirds Can Find Quality Health Care.’ We encourage you to read the article in full; below you will find the points of interest that really stood out to us!

The Data

- More than 70% of Americans feel failed by the US healthcare system.

- Southern (which are the warmer!) states ranked more poorly overall for healthcare than northern states.

- Seven of the 10 worst-ranked states are in the South (Georgia, Alabama, North Carolina, Mississippi, South Carolina, Arkansas and Texas).

- Millions of Medicare beneficiaries migrate between two homes and two healthcare systems – and the vast majority are managing at least one healthcare condition if not more than that.

The Insurance Factors

- Next Avenue advises snowbirds to “Find physicians and locations that are in your primary insurance and Medicare networks. Then, decide if supplemental insurance makes sense for you and your plans.”

- Did you know that there is actually ‘Snowbird Insurance’?! See the options Medicare offers for those with seasonal homes here.

- Also consider travel insurance for shorter trips, and research national home health providers with networks in your residence areas.

The Digital Advantage

- Most snowbirds are reportedly younger retirees with more education, higher income and intermediate to advanced technology usage.

- Older ‘seasonal migrators’ experienced higher levels of emergency room visits than non-seasonal migrators; those who had established primary care in their warm-season homes reduced ER visits by nearly 60%.

- Consider keeping primary care at your fingertips no matter where you are by utilizing providers with telehealth and electronic visits.

- Note that mail order pharmacies are not only more cost effective in many cases, but will allow you to switch addresses between your summer and winter homes with advance notice.

- As you establish providers in more than one location, ask if they are using the common medical software EPIC and how you can give permission for your providers to see your records in each other’s portals.

The end of the Next Avenue article offers a fantastic to-do list which includes tasks such as ordering a 3-month medication refill before you change locations, keeping a digital copy of your insurance cards in your phone, researching in-network providers and nearby emergency care in your winter state, providing both care teams with your advanced care directive and living will and so much more.

Have you ever considered the snowbird lifestyle?! Where would you fly off too…? Do you know anyone who migrates between a warmer and colder location… don’t forget to share these tips with them!

Wishing you health & happiness in all seasons & climates,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: What’s Cookin’ For Kitchens In 2024

Sun, 14 Jan 2024 18:31:59 GMT

Fun (and many affordable!) ways to update the most popular room in the house!

It’s time. Time to go beyond open concept kitchens, farmhouse style sinks and quartz countertops. 2024 looks to be the year that kitchen concepts take steps forward into a new modern… and we are excited to share 3 articles that define what that just might look like! If you are looking for easy ways to update your cabinets (not just paint!), ready to see the new and improved (and clay!) vent hood and incorporate beverage areas – read on to see how, why and what other updates you can make to the most popular room in your home.

5 Ways to Refresh Your Kitchen Cabinets If You Hate How They Look

Real Simple

You’ve no doubt heard that the ‘easiest’ way to update your kitchen without a full remodel is to paint your cabinets. And that is a great option! But you can also swap out hardware, replace the doors, swap out select areas with open shelving and even utilize peel and stick wallpaper for a fresh look.

The Property Brothers Unveil 3 Totally New Kitchen Trends You’ll Want To Try

Realtor.com

HGTV has been the major source (if not primary driving force) of home design trends over the last decade. The hosts of the acclaimed Property Brothers series recently shared some ideas that go beyond the basics. Try balancing a brave and bold countertop with neutral cabinets, adding texture with a Roman clay vent hood (think a sueded feel with a textured paint finish similar to Venetian plaster) or using a mural as a grounding statement piece.

The 9 Kitchen Trends Designers Are Most Excited About for 2024

Veranda

We highly recommend you click on this article in full to see these ideas come to life. Themes such as quiet luxury (moody spaces with metallic shine and understated neutrals), out-of-the-box storage (kitchens with ‘furniture’ and bistro shelves vs. standard perimeter cabinetry) and even the resurgence of (gasp!) tile are all the rage.

We know that some of our most favorite foods and absolute best memories are made in the kitchen. As the center of your sanctuary, we hope that some of the ideas above provide inspiration and contemplation from what you want in this space and how you want to make it happen.

Cheers,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Where Are Baby Boomers Headed

Thu, 11 Jan 2024 19:40:25 GMT

Retirees are calling this city and these 5 states home.

Our Senior Spotlight acknowledges that no one retirement is right for everyone. We’ve explored offshore retirement trends, downsizing and upsizing, aging in place, senior communities and this week… relocation! Headlines in the first week of the new year have largely centered around where older Americans are moving, and if that will create more inventory or simply shift it and drive competition. After all, Boomers are coming in with more cash more often than not given that they have had much more time and opportunity to build equity.

But are Boomers really moving…and where to? In Spring 2023, Baby Boomers overtook millennials as the largest generation of home buyers, at 39%. Now that more data from 2023 has been reviewed, here are the top 5 states and the No. 1 city where Baby Boomers are moving to.

The factors that are reported to influence these locations are: affordability, lifestyle, access to healthcare, tax friendliness and higher does of sunshine. Analysts also discovered that one’s bank balance influences their choice of location, to no surprise. Those more concerned with saving money prioritized affordability, whereas those that had more savings prioritized lifestyle and top quality healthcare.

Have you ever considered moving out of state? Are any of these places on your list of top contenders?

Best wishes for a great rest of the week,

Bobbi

Monday Market Update: Design Pros Drop The 2024 Bath Trends

Mon, 08 Jan 2024 19:05:06 GMT

Most of these are amazing… one maybe not!

Welcome back to the Bobbi Decker Real Estate Blog! With the first full week of 2024 behind us, how are you feeling? What is your driving force? What are you most excited about today – in this moment?!

No matter where you are headed literally or figuratively this year, there are a few places in our homes that we all visit daily – the kitchen, the bedroom… and the bath. Today’s blog is about the just-dropped design trends in the latter… and most (but maybe not all!) of them are pretty chic!

Full Read: The Hottest Bathroom Decor Trends for 2024, According to the Design Pros

Colors: Sea Green & Yellow

According the team at The National Kitchen & Bath Association (NKBA), bath design this year is inspired by nature, or at least the colors of it. Sea green (the example shown is sea green tile) and pale yellow (think first glimpse of sun in that whipped butter hue) are expected to be used in ways big and small. The easiest way to incorporate these colors is by changing your towels or adding in wall décor in these tones.

Efficient & Eco-Friendly

Wayfair Professional Design Manager Lindsey Zborowski tells consumers to expect energy efficient and sustainable materials to lead the way from a materials perspective. Spa-like sanctuaries created from teak, reclaimed wood and recycled tile are just a few possibilities. Explore more ways to go green in your bathroom courtesy of SpaceWise here .

Water Closets

The NKBA has also discovered that among consumers surveyed – water closets are a preferred and top wish list item. More peace and quiet in any room of the house is a win, and homeowners reported that a separate water closet with or without a door is desired if space is an issue.

The Tiny Fridge

Okay, let’s be honest. This is the one we are not sure we can entirely get behind. While the NKBA insists that the tiny fridge in the bath is what a coffee station is to the kitchen – we beg to differ. Proponents claim that many bath products benefit from being kept cold, but we can see an undesirable transition to a beverage and then snack space happening… and that is a big no in our book. ��

Backlit Mirrors

Classy. Elegant. Impressive. This is the vibe that a backlit mirror can add to a bathroom, and is a fairly easy addition to a space that is already modernized and just needs a little extra glam. The NKBA believes that there will be an increased demand for this feature on account of it’s energy efficiency, soft-glow and less harsh effect, plus many have a useful anti-fog capacity.

Which 2024 bath trend can you see in your home?! We’d love to know so feel free to reach out at any time!

All our best,

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Top Senior Housing Trends In 2024

Thu, 04 Jan 2024 18:57:41 GMT

One notable change is the rise of assisted living over independent living.

Happy New Year! Our first Senior Spotlight of 2024 is here with a glimpse into senior housing projections for the new year. Senior Housing News recently featured a very lengthy read on the challenges and opportunities that are likely to be prevalent in this industry in the next 12 months. For full detail we encourage you to read ‘Top Senior Housing Trends for 2024’ here . For convenience, we have outlined 5 major themes that we think our readers will find most relatable below!

5 Housing Trends To Watch In 2024

#1: The Great Re-Balancing: This refers to an industrywide shift in assisted living becoming the most prevalent offering over independent living. Occupancy reports published since COVID have found a high demand for needs-based care, and many senior housing operators are shifting their services to cater towards a ‘higher-acuity’ population.

#2: The Official End of Pandemic Recovery: It’s no secret that senior living occupancy was shattered by the pandemic, and experts are predicting a return to pre-pandemic levels by the end of 2024. Senior housing organizations may finally get to truly focus on the potential of the future rather than struggling to regain what was lost.

#3: Concession Wars Pick-Up: While most facilities have had to raise care and housing rates in recent years to keep up with inflation, a key to sustaining and growing occupancy gains will be concessions. Senior living consultancy Bild & Co. has already documented a rise in discounts and promotions, and the number of operators offering no incentives has fallen.

#4: Sophistication Surges: Luxury senior living is set to level-up even more in 2024, with the ‘Forgotten Middle’ study quantifying that middle market retirees want big lifestyle and first class service. Communities such as Watermark and Revel have already begin to meet this demand by offering membership-based payment structures for those who want ‘the finer things in life.’

#5: More Press Makes More Scrutiny: The senior housing industry has had to become a more public and transparent business to attract the attention that has driven occupancy back up. But with that increased press and increased lawmaker involvement has come more scrutiny. Stories published just last month in The Washington Post explored critical concerns about senior elopement and staffing. Care standards, local and national legislation, media frenzies and actual data are going to need to be analyzed to differentiate the truth from the inaccuracies.

What senior housing trend are you following most closely? Are there any that excite you? Give you comfort and hope? Worry you? Just as in any housing decision – the best thing we can do is focus on data, facts and lifestyle fit and try our best to keep emotions at bay. Change is never easy – but it can be worth it.

Cheers to living your best life as the years march on,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Happy, Happy New Year!

Mon, 01 Jan 2024 19:37:33 GMT

Cheers to taking 2024 at your pace!

Happy New Year Friends! 2024 is here and we wish you the happiest, healthiest and most meaningful year yet! While the start of a new year often arrives with the pressures of goals, expectations, and resolutions – we hope you can find a balance of pacing yourself and creating a life you love too.

There is no need to rush ourselves by piling on countless objectives, when we can be just as productive and maybe even happier living with intention. As long as you are striving for the things that make you happy and help you thrive, we encourage you to do it on your own timeline and i n your own way . The old adage about life being a marathon and not a sprint is a proven reality, and my hope is that you pace yourself as the next 12 months unfold.

Cheers to doing good, feeling great and striving for what brings you purpose! Welcome 2024!

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Best Blogs of 2023

Thu, 28 Dec 2023 18:07:31 GMT

Our top 5 articles dedicated to living longer & living better!

Supporting all ages and seasons of life has always been our passion; yet we have also acknowledged the profound and unique needs of those over age 50 as a primary focus for our blog. Aging has no doubt changed over the years; older adults are working longer, dreaming bigger, defying traditional stereotypes and making an impact in ways we never expected. As such our Senior Spotlight has carried on the tradition of ‘Living Longer, Living Better,’ a theme we have actualized since our television and print media days!

In the last 12 months we have continued to explore what older adults want and need as well as what issues may impact this generation in the years to come. It’s hard to choose the 5 most important and most popular blogs in the last year – but here is our best attempt.

#1: Is The Silver Tsunami Finally On It’s Way?

This blog published this fall explored the prediction made by the “Oracle of Wall Street” (who predicted the 2008 financial crisis) that tens of millions of homes will hit the market starting this year as a result of the silver tsunami. We don’t have a crystal ball, but we do have her thoughts in this read.

#2: Three ‘Buckets’ of Downsizing

Moving is one of the most stressful events in life; moving with a near lifetime accumulation of belongings only magnifies that process. While we have covered downsizing & right-sizing a LOT over the years, this blog offers the perspective of 3 buckets to sort those thoughts and actions into. A worthwhile read for a manageable approach!

#3: The US Surgeon General’s Advisory On Loneliness & Isolation

After the latest Surgeon General’s report on the epidemic of loneliness and isolation, we knew that we could not talk about living longer & living better without addressing this report. The US Department of Health & Human Services reports that “The physical health consequences of poor or insufficient connection include a 29% increased risk of heart disease, a 32% increased risk of stroke, and a 50% increased risk of developing dementia for older adults. Additionally, lacking social connection increases risk of premature death by more than 60%.”

#4: Ping-Pong + Parkinson = Hope

In all honesty when we shared the progress that ping-pong can make for Parkinson’s patients, we never anticipated how many people would be inspired! Thank you all to who commented on the blog and spread the word. Hope and connection often arrives from places and activities you never expected!

#5: A 2023 Global Retirement Update

The trend of offshore retirement is one we have followed for years, and even explored hands on a few years back! As such, we wanted to share that with nearly half a million Americans drawing Social Security abroad, here is where they are going & why. Get ready to get inspired!

We have covered SO much over the last year… 50 weeks of home and lifestyle content curated just for you. Please feel free to let us know what Senior Spotlight topics kept you coming back for more, or what you would love to see in the future!

Warmest regards,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Market Updates: Best Blogs of 2023

Tue, 26 Dec 2023 18:28:28 GMT

Our top 5 blogs of 2023!

There is one reason and one reason alone why we do what we do – and that is YOU. Our blog content is designed to inspire, inform and ignite all that you want and need to know about home and lifestyle. At the end of every year, we take a look back at all the weekly blogs we have created and pick our top 5 based on reader feedback, defining trends and relatability. Here are the articles that we think ranked the highest!

Calming & Comforting Home Designs

Earlier this month we featured home designs that evoke more calm and comfort and stave off stress. We think these style selections are helpful not just for the holidays – but the whole year through!

Resource Focus On Moving

Our readers know that our blogs are all about education & information, which is why we created a blog dedicated to one of life’s biggest stressors: moving. More knowledge, less chaos, in just 3 comprehensive checklists.

The Weather Is Cooling- Home Prices Are Not

One topic we just could not keep out of the mix was home prices. Rising rates created fears throughout much of the year that buyers would exit and home sellers would be forced to settle for less. But time and time again, this was not the case. Note that home prices rose in 82% of markets in Q3 of 2023.

Outdoor Improvements & ROI

One of the best parts of home ownership is having space to call your own – both indoors and out! In the spring we wrote a blog that shared data on what exterior upgrades made homeowners and happiest and which offered the best ROI (and they were not all one in the same!).

Does Your Preparedness Plan Include Pets?

California is the land of earthquakes, wildfires and sometimes excessive heat. When we checked in with our readers on emergency planning, we made sure that all family members were included – the furry & four-legged ones too.

Did you have any favorite blogs this year? Topics that you looked forward to? Areas of interest that surprised you? Please always feel free to share – we love hearing from our readers: bobbi@bobbidecker.com .

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: It’s Not Just How You Fall, But How You Get Up

Wed, 20 Dec 2023 17:49:00 GMT

AARP shares 5 ways to safely stand from a spill.

Amidst all the holiday chaos it may seem silly to talk about how to safely get up from a fall. But the CDC reports that 36 million older adults fall each year in the US, and with rain, ice, holiday tripping hazards and busyness all around – we think there is no better time to spotlight safety. After all, health and well-being is truly the best gift of all.

You may have seen our past blogs that highlight the season of fall as the time of year to talk about fall prevention. This week we are dedicated to sharing a new facet of falls based on an article from AARP earlier this year, titled "The Safest Way to Get Up From a Fall.” Since more than 25% of those aged 65 and older will experience a fall, and falling once more than doubles your chances of falling again, here are 5 ways to safely get back on your feet. Tips courtesy of AARP and their selected physical and occupational therapy experts.

*Please only attempt these steps if you feel able to do so and are not injured or dizzy. If you are seriously injured and try to get up, you could make the injury worse.

#1: Slowly roll onto your side, push yourself up onto your hands and knees (into a crawling position) and crawl toward a sturdy chair, coffee table or couch.

#2: Once you’re in front of the steady piece of furniture, put your hands on it and put your stronger leg out first, then get up into a half-lunge position before rising to a standing position.

#3: If you can’t fully stand, you can turn your body and sit on the chair, sofa or table. If you can’t crawl because you have bad knees, you can scoot on your butt on the floor or roll your way over to that piece of furniture.

#4: Another option involves turning to your side, placing your hands on the floor and pushing to bring your body into a seated position. If possible, reach for a cushion to slide underneath your bottom; push back onto the cushion as much as you can, then lift your bottom up and onto the chair.

#5: If there isn’t a chair nearby, you can scoot your way to a step on a staircase, then put your butt on the lowest step and use your legs to push yourself up to a higher one.

Other Important Notes: There is a high risk of injury if an untrained caregiver tries to lift a person who is “deadweight”; it is better to call for help than risk two injuries if the person cannot rise. Also note that there are many smart technologies and medical alert devices that older adults can wear to send for help during/after a fall.

We wish you a season full of knowledge and free from falls. But at least if you do take a slip, we hope you know just what to do to get on your feet and when to get support.

Warmest wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: A Goldilocks Tip For Homebuyers

Mon, 18 Dec 2023 20:32:44 GMT

What does ‘just right’ mean for you?

Homes are a lot like clothing in that one size certainly does not fit all! If you have followed our blog, you may have heard us use the term ‘rightsizing' to describe when those aged 55 and older are choosing the right size house for them (and we don’t say downsizing because it is not always smaller!). Just last week, Realtor.com® used the philosophy of ‘Just Right’ sizing to help buyers of all ages navigate how to get into a home today – and what type.

Amidst the challenges of rates, inventory and prices – buyers need to prioritize their needs now more than ever. Notice we said needs – not wants? Realtor.com® shares that buyers usually start out with their personal list of must-haves, but that if you look at each person’s individual goals, values and needs, this must-have list may be quite different than what makes sense .

So how exactly do you dial down all that you want to your ‘just right’ place? Start with these four features:

#1: BUDGET

Just right sizing means not breaking the bank when you buy your home. Period. Be sure to account for not just your down payment and what you qualify for but look at your total monthly costs of ownership (short and long-term).

#2: LOCATION

Some zip codes are considered more desirable than others. But if you don’t have kids, your just right place does not need to be within range of top schools. Does your just right location have to be walkable to go to dinner, or would a 10-minute drive suffice? Is the commute manageable; is the area really as good as it seems? Be sure to explore locations in different times of day and night as well as weekends.

#3: INTERIOR USES

There is often a big difference in price and competition for a 1 bedroom vs 3 bedroom, or a 2 vs 4 bedroom. What rooms do you need… and why? Could your living room be a guest room for that one relative that visits once a year? Would you actually use that formal dining room, or turn it into a home office? A just right size house is not just about square feet or number of rooms but how the space will realistically work for you.

#4: EXTERIOR APPEAL

You might love that expansive patio, but do you like to entertain at home? Do you and your friends usually meet for hikes or travel? Is that sparkling pool out back worth the cost, or would you rather put those funds into inside improvements? There are many trendy outdoor features you can fall for, but be sure to focus on what you would really use, or even what you can add later when time and money allow.

How is your current place just right for you? Even if you are not buying (yet), there is always something to be said for appreciating what in your life is working for you. Some days you have to dig deeper than others, but there is always something that brings you joy.

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Taking Travel To The Next Level

Wed, 13 Dec 2023 18:43:02 GMT

Pair it with a hobby!

As we look towards retirement, many of us have two things on our minds – going to places we love and taking time to do the things we love. A new read from AARP suggests that while both travel and hobbies are powerful health and happiness drivers in and of themselves, combining them literally creates the best of both worlds.

AARP’s Global Council on Brain Health has previously reported that you can boost your brain health by challenging yourself, adopting new habits and behaviors and doing things that are enjoyable. So why not take up a new hobby… and take it around the world with you! Here are a few examples of how based on ‘4 Hobbies to Make a Vacation More Meaningful.’

- Imagine knitting under the Northern Lights. Did you know that knitting designer Hélène Magnússon offers various tours where you can learn about Icelandic knitting and do so at the top of a mountain or with a view of the Northern Lights? Knitting is one hobby that is lightweight, easy to pack, and can be done on the plane plus wherever you roam!

- Eating is one of the best parts of travel – but what if you coupled it with preparing the food yourself? Kitchen enthusiasts may wish to pursue travel where cooking classes are the heart (or at least part!) of the journey. One amazing option is the Mardi Gras School of Cooking, where one can master ‘The Holy Trinity’ of Louisiana cooking and take their creole and cajun flavors to the next level.

- Garden lovers take note… you can appreciate plants just about anywhere and even plan trips that are botany-based. What if the first stop on your plant-based adventures was The New York Botanical Garden, home to 250 acres and over one million living plants?!

- If you love to be on the water, consider taking up kayaking and planning travel to a certain number of perfect paddling places. AARP puts Lake Tahoe at the top of the list; you can even go beyond boating basics into LED night tours! There are even options and accommodations for those who need greater accessibility, making this a possibility for many abilities.

These are not the only hobbies that you can use as a foundation for travel. What if you planned a trip based on the best golf courses? The most expansive fields of wildflowers? The best bird watching? We all know what they say about two birds and one stone… so why not appreciate two passions at the same time.

What hobby and travel pairing would you pick to do in 2024?! Please feel free to share!

Best wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Interior Accents That Are ‘Out’ For 2024

Mon, 11 Dec 2023 15:53:50 GMT

Just say no to these previously prioritized home designs.

2023 was quite a year and not just for the buying and selling side of the market. Home design surely had its ups and downs too, and Architectural Digest recently revealed the ‘ready to retire’ interior design trends of 2023.

Some of these features that are heading out may puzzle you as you might not have known they were in ! Other trends have been waiting in the wings and can’t wait to make their debut in 2024. We encourage you to read the article ‘10 Interior Design Trends We’re Ready to Retire in 2023’ and we also hope that you enjoy our summary below.

Home Designs That Are Out For 2023

#1: No more putting collectibles and trinkets away – 2024 is projected to be the year of ‘cluttercore’ (or at least a little more than the minimalist expectation before!).

#2: Good-bye gray & greige, hello warm, saturated colors (we could be welcoming in the biggest color movement since the 70’s).

#3: Less checkered patterns, more plaids and stripes instead.

#4: No more furniture just for looks, 2024 is the year of bringing back chairs and couches for actual comfort.

#5: Farewell to faking it… don’t try to add too many lamps to a room that is short on natural light – embrace the moodiness with top-to-bottom pigmented colors. If you have a new build, keep it modern; don’t add old world molding. Embracing what you have is a core theme for 2024.

Did any of these soon-to-be-gone trends surprise you? Inspire you? We can just feel the potential of 2024, and we hope that you do too!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Family Caregivers, We See You

Thu, 07 Dec 2023 19:58:24 GMT

To those who give so big, give yourself permission to keep things small.

"Don't be bound by traditions. Give yourself permission to change things up.

It can be liberating."

To the 38 million family caregivers and counting across the United States, we see you, appreciate you and invite you to give yourself grace this holiday season. This time of year is full of joy – but also of expectations, thing to do, decorations to put up, shopping to be done and traditions to uphold. Those stressors on top of the daily and weekly responsibilities of caring for a loved one can be incredibly daunting. But it doesn’t have to be; a new read from Next Avenue titled “ Holiday Hacks For Family Caregivers: Less Stress, More Joy” encourages caregivers to “Let go of expectations and focus on what's really important this holiday season.”

While that is far easier said than done, here are just a few of the tips to help you refocus and refresh your holiday traditions.

Step 1: Acknowledge that things are different now. Ask yourself what traditions do I want to keep (and maybe modify), and what do I want to let go of? (Tell yourself – it’s okay!)

Step 2: Consider that less can be more. Fewer people and a smaller menu do NOT equal less joy. A more manageable group size and less overwhelming event can actually allow for more meaningful interactions. You can always plan New Year lunches or small get-togethers with additional loved ones early in 2024.

Step 3: Give yourself a holiday gift. It does not have to be fancy! Everyone talks about self-care like it’s something you order on Amazon, but what if you actually gave yourself time for a walk in your favorite park or make a lunch date with a friend. You Deserve it – even though it’s admittedly going to take work to make it happen.

We enjoyed the parting words of the Next Avenue article on this topic and we think you will too. “Whatever you create, whether you trim the tree or trim down the festivities, the holidays are still a unique time to build new memories and savor the simple joy of being with people you love.”

Cheers to simplicity and softness this season,

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Calming & Comforting Home Designs

Mon, 04 Dec 2023 16:30:46 GMT

The most wonderful time of the year can also be the most stressful.

December is here and with that often comes the excitement of the holidays, the rush of closing out all the year-end to-dos and planning for the new year. While this is often a remarkable time of year for making memories, it can also be a daunting time of trying to fit everything in and meeting all the expectations. That’s why today’s blog is dedicated to creating calm and comfort in your home, to carry you through the December chaos and into 2024 with peace.

HGTV has identified ‘20 Ways to Bring Anxiety-Reducing Elements Into Your Home Design’ and we have listed our five favorites below. We encourage you to read the article in full here .

#1: More matte, matte finish that is! Jill Croka, a Tulsa designer with a psychotherapy background, shares that wood and stone finishes that do not glare or reflect light actually lower blood pressure. She also prioritizes materials in wood and stone that sooth and take cues from the natural world.

#2: Feel blue. It’s true, an Italian study analyzed student living in residence galls and found that those living in blue spaces “…had an easier time orienting themselves, studying and maintaining calm moods.”

#3: Less is more. Too much clutter can take up too much mental and visual space; HGTV advises to pare down décor and rotate it every few months. Shelves and surfaces should offer meaningful accents framed by blank space.

#4: Think round. Researchers have found that rounded rather than linear furnishings elicit higher levels of relaxation, peace and calm. Look for rounded lines on armchairs, consider oval and circular coffee tables and avoid having everything square and rectangular shaped.

#5: Be intentional with texture. Sometimes we focus so much on color and style that we forget how something feels. What you perceive with touch is just as important as what you see or hear in your home. Opt for soft and smooth, even silky – such as a tufted velvet bench at the end of your bed, a faux fur throw on the sofa and smooth vases vs. bristly baskets in your décor.

Are there any of these ideas that you already have in place? That you could implement before the end of the year? That you could infuse in a friend’s home who could use some love and light? We’d love to hear about it!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 3 Relevant Reads For Workers Aged 50+

Thu, 30 Nov 2023 18:39:17 GMT

A change team. An age-defying resume. Not so great expectations.

When we talk about living longer and living better as the focus of our Senior Spotlight, we have no intention of you waiting until retirement to achieve that! In fact, one of the best parts about aging is having more wisdom, more life experience, and sometimes fewer familial financial obligations – and more time to have a career with true intention. With recent reports citing the average retirement age of 64, we wanted to share 3 recent reads dedicated to workers aged 50+, courtesy of Next Avenue.

Next Avenue | Work & Purpose

BUILDING A CHANGE TEAM

The only thing that does not change in business is that change is always abound. This article provides helpful steps on the ways in which entrepreneurs can empower and collaborate with their staff leaders to drive change within the company. Just a few of these steps are starting with training and transparency, focusing on the positives, opening lines of communication and leading by example. Read in full here .

CHANGING EXPECTATIONS AT WORK

There are times when your business model needs to change, and times when your own expectations need to change. This article is about the latter. It’s no secret that one of the hottest labor topics today is the ‘generation gap’ in the workplace. Lessening tensions between the generations takes proactivity – and starts by accepting that things have changed than when we started working 30 years (or more!) ago. Read what that acceptance looks like here .

HOW TO WRITE AN AGE-DEFYING RESUME

Did you know that a study conducted this year from the UC Press found that age discrimination in hiring starts as young as age 40?! This article provides specific resume changes to make to help ‘age-defy’ your profile on paper and maximize the advantages that you have. A mid-west state department of aging even found that “workers over 50 are more reliable than their younger counterparts. They often come to a job with a wide range of industry contacts… and maintain better focus on the job, make fewer mistakes and sometimes, even perform magic.” You’ve got what it takes to do the job, here is how to get the interview.

Cheers to a great start to December! May intention and purpose keep you present today and excited about tomorrow!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Two Steps In The Right Direction

Sun, 26 Nov 2023 18:16:22 GMT

Realtor.com® reveals two stats buyers just might be grateful for!

There are a few certainties in life beyond death & taxes – you cannot time the market and you cannot change it. But you can absolutely stay educated and informed in ways that will help you make the best strategies possible as 2023 draws to a close. Just a few days ago, Realtor.com® shared two statistics that they deemed buyers should be grateful for.

We think gratitude can be focused in many other ways ��, but this data is important to know for those who own real estate and may wish to move-up or for those entering the market. Here you go…

Two Recent Market Trends

#1: In recent weeks rates have dropped by ½ a percent.

(Sam Khater, Freddie Mac Chief Economist)

#2: Active listings are exceeding last year’s levels; housing starts & permits are climbing month over month.

(Hannah Jones, Realtor.com® Economic Research Analyst)

As we review where real estate has been in 2023 and look forward to what 2024 may hold, we want to encourage you to look at the big picture of where things are today. To find the small glimmers of hope. You can say ‘Rates are not where they were at two years ago…’ or you can reframe that to be ‘Wow, rates are better than they were two weeks ago!’ . Sometimes life is all in how you look at it. That may not be enough to change what you do, but maybe just how you feel. You got this!

Best wishes for a great post-Thanksgiving week,

Bobbi

Bobbi Decker
DRE#00607999

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/

Thanksgiving Wishes

Sun, 19 Nov 2023 17:08:19 GMT

Looking far past the pie...

Happy, Happy Thanksgiving Week! As we scoured the headlines we found dozens of things we could talk about and share… but realized that only one thing mattered: gratitude. In the spirit of this season and the hope we have for the months ahead, we wish you time to pause this week. We wish you moments of reflection and true opportunities to embrace what you have and live with sincere appreciation for it.

While turkey and pie and endless leftovers might be a part of the day, our sincere hope is that what you experience is warmth, comfort, friendship, love and grace. We challenge ourselves and all of you to find true gratitude in the intangibles – and to live each day with the utmost care for those gifts.

Sending you our warmest wishes for a Thanksgiving week filled with intention, celebration, joy and thankfulness. May all that you have and all that you feel be so much more than enough!

Heartfelt regards,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Is The Silver Tsunami Finally On It’s Way?

Wed, 15 Nov 2023 19:47:11 GMT

Sources state that 51% of those over age 50 are set to downsize starting in late 2024.

Silver tsunami. You’ve heard the term, and probably know that that it refers to a surge of Baby Boomers entering retirement and serves as a metaphor for the wave of changes that is bound to erupt with it. An explosion is expected in terms of employees exiting the workforce, healthcare needs rising… and more homes entering the market?

A recent article from Yahoo! News shares predictions from some analysts that tens of millions of homes could hit the market in the years to come. Meredith Whitney, CEO of the Whitney Advisory Group, shares data from AARP that 51% of those over age 50 plan to downsize – some to smaller homes and some to retirement communities. (Note that Whitney is also known as the “Oracle of Wall Street’ after predicting the 2008 financial crisis.) Homeowners over age 50 currently hold 70% of US homes. Whitney forecasts that this shift will start to occur in late 2024 and into 2025 - lasting for a decade or more. The result could be 30 million housing units back on the market.

While the news sounds good on the surface, Whitney lists some potential pitfalls of such a tsunami. Undesirable outcomes could be:

- Not enough younger buyers to ‘absorb’ the homes freed up by sellers

- Milennials missing out on the benefits of the inventory increase because it could take a decade to play out

- Baby Boomers selling but not actually freeing up inventory IF they buy smaller homes and now are competing with entry level buyers (and then starter home prices would surge!)

While there is no crystal ball, there are likely to be some expected and unexpected shifts in the housing market as we experience the impact of Boomers aging. What they will decide to do depends on countless factors – which includes their own health and lifestyle factors, their financial needs and wants as well as rates and senior housing options available.

The only thing we truly know is that anything is possible; that knowledge can be both frustrating and freeing at the same time. Making the best decisions for you with the information you have and the market you are in is usually the best plan possible. Think about it! ��

Resources Used:

‘Silver tsunami’ from downsizing baby boomers is headed for housing market, analyst says ; A 'Silver Tsunami' Is About to Upend the Housing Market, Says Analyst Who Accurately Predicted the 2008 Financial Crisis ; What is the Silver Tsunami?

Have a great rest of the week,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: The Weather Is Cooling- Home Prices Are Not

Sun, 12 Nov 2023 17:21:14 GMT

NAR® reports that over ¾ of housing markets have experienced a price jump in Q3.

While the weather is finally cooling off at last here in Silicon Valley, nationwide home prices are not following suit. Realtor.com® recently reported that home prices have risen in 82% of markets in Q3 of 2023, compared to rising in 58% of Q2.

Note that this data represents national averages and that local market trends vary greatly. To exemplify that point, NAR® has also identified the cities with both the largest price increases, as well as the largest price drops. Note that there are no Silicon Valley or even California cities on either end of the spectrum.

MARKETS WITH LARGEST PRICE INCREASES

1. Fond du Lac, WI (18.9% YoY increase)

2. Hickory, NC (17.1% YoY increase)

3. Oshkosh, WI (15.2% YoY increase)

4. Green Bay, WI (14.8% YoY increase)

5. Reading, PA (14.7% YoY)

MARKETS WHERE PRICES FELL MOST

1. Austin, TX (Dropped 10.3%)

2. Phoenix, AZ (Dropped 1.5%)

3. Salt Lake City (Dropped 1.2%)

4. Dallas, TX (Dropped 1.1%)

5. Houston, TX (Dropped 1.1%)

We have double-checked the information above and do find it interesting that double digit prices drops occurred in only one documented market. The rest of the ‘drops’ are nominal and Realtor.com® indicates that “ Home prices fell the most in some of the markets that experienced the largest run-up in prices during the COVID-19 pandemic.” On the flip side, “…cheaper housing markets in the Midwest notched some of the largest price gains.”

While existing homeowners are continuing to build equity and sellers are generally very satisfied with their ROI, it is the buyers who find themselves in a tough position given rates and rising prices. But if they are able, entering the market now could still be cheaper than next year if home prices continue this trajectory.

Please, please be sure to chat with an active and experienced local agent about the area(s) you wish to explore.

All my best,

Bobbi

Bobbi Decker
DRE#00607999

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/

Honoring Our Veterans

Thu, 09 Nov 2023 19:17:39 GMT

Sharing a special message from the American Legion.

November is flying by, and this month of gratitude is truly fitting as we prepare to celebrate Veterans Day. Those of you know us know that we take the service of our country very seriously and hold only the highest regard and utmost respect for all whom have served. Thank you, thank you, thank you.

As Veterans Day approaches (occurring on a Saturday this year!), we find ourselves once again filled with pride for our country as we remember the service of SO many who have fought tirelessly to give us the freedoms we enjoy every day. While we aim to show our respect and appreciation for those veterans still with us, we also mourn those lives lost and remember the countless sacrifices made and the families left behind.

As we read through various ways to celebrate our veterans this year, there was one suggestion made by the American Legion that stuck with us.

Your phone call matters.

We all know that even when the uniform comes off and the wounds ‘heal’, there is always a cost to service. It does take a toll. The American Legion declares that

“Veterans Day is a perfect time to check on the well-being and needs of our comrades. A simple ‘How are you?’ is your opportunity to Be the One for a veteran who may need to know that someone cares, someone will listen. Last month during the Department of Veterans Affairs first National Buddy Check Week, American Legion Family members made thousands of phone calls to veterans. Department of Ohio American Legion Auxiliary Historian Dayna Beyer made Buddy Checks and said that veterans “were surprised to get the call. They had a chance to talk about what they are doing, how they are feeling, and what we could do for them. It was surely well worth it for sure.”

Your phone call matters.

We wish you all a healthy, happy and honor-filled way to celebrate our veterans this weekend, and we vow to carry them in our hearts in all that do and all that we have.

Deepest gratitude,

Bobbi

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Carbon Monoxide & Seniors – The Added Risk

Thu, 02 Nov 2023 18:42:09 GMT

Critical facts about carbon monoxide risk and those age 65 and older.

November is here, often bringing the first chill in the air and the first time we are using our furnaces this season! Yet staying warm and staying safe are not always the same, and this month we wanted to share some extremely important data about the risks of carbon monoxide, especially for seniors.

WHAT IS CARBON MONOXIDE?

CO is an odorless, invisible gas produced when gasoline, natural gas, propane, kerosene, and other fuels are not completely burned during use.

HOW MANY PEOPLE DOES IT IMPACT EACH YEAR?

Carbon monoxide deaths occur most frequently during cold winter months, and it kills hundreds of Americans every year. The CDC reports that CO kills 400 individuals annually, and results in 100,000 emergency room visits and 14,000 hospitalizations.

WHERE IS IT FOUND?

The main sources of carbon monoxide in the home are unvented kerosene and gas space heaters; leaking chimneys and furnaces; back-drafting from furnaces, gas water heaters, wood stoves, and fireplaces; gas stoves; generators and other gasoline powered equipment; automobile exhaust from attached garages; and tobacco smoke.

WHO IS AT GREATEST RISK?

Everyone is at risk! Those most likely to get sick are infants, the elderly, and anyone with chronic heart disease, anemia, or breathing problems. The highest number of fatalities from CO poisoning is among those aged 65 and older, while other sources also report that those age 50 and older and more susceptible to the neurologic effects of CO exposure.

WHAT ARE THE SYMPTOMS?

The most common symptoms of CO poisoning are headache, dizziness, weakness, upset stomach, vomiting, chest pain, and confusion. CO symptoms are often described as “flu-like.” People who are sleeping or under the influence of drugs or alcohol may die from CO poisoning before they have symptoms.

WHAT ARE THE BEST METHODS TO AVOID CO POISONING?

Please be sure to read the CDC bulletin here in full for a comprehensive list of preventative measures. In short, please be sure that your home has a CO detector outside your bedroom and near the furnace or in your living area. Be sure to change batteries every 6 months and replace the detector every 5 years unless manufacturer guidelines of the device indicate otherwise. Also have your heating system, water heater and any other gas/coal/oil burning appliances serviced by a qualified professional every year. When using a generator, make sure it is at least 20 feet from any window, door or vent and be sure your CO detectors are battery powered and can still detect CO when power is out.

Now that the serious stuff has been said, we hope that the start of this month is the start of some amazing things for you. Whether preparing to tackle those year end goals, planning holiday gatherings with those you love or making some favorite winter meals – we wish you comfort, safety and health in all that you do!

Resources Used: CA Department of Public Health , CDC , EPA

Warmest wishes,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 2023 Buyer & Seller Snapshots

Mon, 30 Oct 2023 18:43:37 GMT

Check out these just released infographics from the California Association of Realtors®!

As the end of the year approaches, many real estate industry organizations are compiling data on where the housing trends have been and where they are headed. The California Association of Realtors® has just released the 2023 Buyer & Seller Snapshots – view them here !

While there are many key take-a-ways and generalizations that can be drawn from this large amount of data, these are the 3 that stood out to us.

#1: Both buyers & sellers feel that the biggest asset an agent provides is negotiating expertise. 40% of buyers and 32% of sellers consider ‘negotiating the terms of the sale’ the top service that an agent provides.

#2: The median age of buyers and sellers may be older than most of us may think. The median age of a seller is 60, while the median age of a buyer is 45. That would indicate that most parties in a real estate transaction are mid to late career vs. just starting out or early career stage in their lives.

#3: Home ownership continues to be a cycle, with 64% of buyers being repeat buyers, and 48% of sellers planning to buy another home. Real estate as an asset class is something we have talked about for years – and home as an investment is still a value that holds true to many individuals & families today.

Did any of these statistics surprise you? We were somewhat surprised that only 9% of sellers valued an agent’s key role as marketing their property, and that only 11% of buyers felt managing the transaction was a top service.

Happy end of October… celebrate safe tomorrow if you are out & about for Halloween!

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Top Retirement Systems (None Are In The US)

Wed, 25 Oct 2023 18:24:58 GMT

A just-released ranking reveals which top 10 countries offer the best benefits for older adults.

When it comes to world ranking of retirement systems, it would appear the US has much to learn. AARP has shared the results of the 2023 Mercer CFA Institute Global Pension Index, and the United States ranks #22 among 47 countries rated. Wondering exactly what is being measured? According to Margaret Franklin, President and CEO of the CFA Institute, “Those that rise to the top of the index have demonstrated that they have a robust and established retirement income system that has been designed to deliver good benefits for pension plan participants over the long term.”

Researchers of the cited study measured the retirement systems of 47 countries by grouping key, measurable indicators into 3 categories:

ADEQUACY. How much do retirees receive relative to working wages in the country?

SUSTAINABILITY. Can the system weather demographic change and financial challenges?

INTEGRITY. Is the system, particularly its private providers, well-regulated and trustworthy?

The top 10 countries are listed below. The Netherlands retirement system is considered the world’s best. The United States ranks in the middle of the pack (sharing the same score as Colombia, Croatia, France, Hong Kong, Kazakhstan, Spain and the United Arab Emirates).

While the ‘pitfalls’ or obstacles within the US retirement system are complex and multi-faceted, AARP summarizes a few specific areas of improvement. The index report states that the US retirement system “…has some good features but also has major risks and/or shortcomings that raise questions about its effectiveness and long-term viability.” A lack of guaranteed income from workplace pensions (which are few and far between!), inaccessible high return investment options, under-planning from most individuals but especially self-employed & gig economy workers, plus minimal employee paycheck contributions and workplace matching are just a few areas of growth potential.

To read more about what works and doesn’t work in retirement systems around the world, we encourage you to read ‘10 Countries with the Top Retirement Systems’ from AARP.

Note that the US not scoring high is not intended to scare you ; it does however emphasize the importance of personal proactivity, planning and accountability. It is almost never too early to start thinking about retirement and never too late to make adjustments that optimize your quality of life and financial situation.

Warmest wishes,

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Biggest & Smallest Down Payments In The US

Mon, 23 Oct 2023 18:29:53 GMT

One of the cities with the biggest down payments is… in Sonoma County!

There are two words that strike fear in many first-time home buyers: Down. Payment. But like most real estate strategies, the size of the down payment you need depends very much on your local micro markets. Realtor.com® has just released two lists which we just had to share – the top 10 cities in the US with the highest and lowest down payments.

Note that the list only includes one city per state to ensure geographic diversity. The other positive news for buyers is that down payment sizes have fallen overall as housing has become less competitive in some areas. (This does not apply to ALL markets in any way – especially Silicon Valley, so we hate to say it – but don’t get too excited!)

*Note the red arrow is pointing to a city not far from here... ;).

The key take-away for us is that there is no one down payment size that is ‘right’ for every buyer in any one location. Your down payment can be influenced by any number of factors including but not limited to: your own financial circumstances, if you are moving up or buying for the first time, how competitive your local market is, if your county or state has any down payment assistance programs available, how much you want to put down vs. keep in savings… and so much more!

As you review the differences above, we hope that you get some perspective on just how different real estate looks and feels from state to state and city to city. We also hope that you not only get inspired but feel empowered to move forward with a down payment that you are comfortable with. If you are ever working on a loan scenario that just doesn’t feel ‘right’, trust your gut, get a second opinion and talk to multiple, trusted members of your network. It doesn’t matter what works on paper if it does not truly ‘work’ for you!

Resource Used: Winning the Bid: The Cities Where Homebuyers Are Making the Largest—and Smallest—Down Payments

Best wishes,

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: The ADU Option To Aging In Place

Wed, 18 Oct 2023 18:48:55 GMT

Could a small home addition serve as a big housing solution?

Granny Unit. Tiny Home. ADU (Accessory Dwelling Unit). In-Law Quarters. Guest House. There are many names for it, but ADUs offer multiple solutions for many housing challenges – including aging in place and/or adding income to one’s retirement lifestyle.

While ‘granny units’ have existed for decades, a California zoning law change in 2017 made the process to add one much easier. Once the statewide mandate changed, ADU construction surged from 1,100 units in 2016 (prior to the new ordinance) to 23,600 units in 2021. In the five-year time frame following the 2017 permit change, nearly 68,000 ADUs were built across the state. Many homeowners are utilizing them as additional income, to house adult children, to care for loved ones or to move in themselves as they age. With the housing shortage continuing, ADUs are a desirable and oft-affordable way for renters to find housing.

What does all of this mean for seniors… and for aging in place though? An ADU can offer several solutions to one’s retirement plan, here are just a few of them:

#1: Additional Income: While there is always a cost to an investment, an ADU can be a much more affordable addition than buying a separate property. Adding an ADU can serve as an on-site rental unit now and evolve to meet other purposes (listed below!) in the years to come. Passive income now, usable caregiver housing later.

#2: Housing A Caregiver: If you want to age in place but don’t want to live entirely alone, adding an ADU can be an option to house a live-in (or live onsite!) caregiver.

#3: A Multi-Generational Solution: Adding an ADU can be used to house an adult grandchild, especially a recent college graduate or relative starting fresh. In addition, some older adults choose to move-in to the ADU on their property – and rent the main home to a loved one or adult child and their family. It’s a way to downsize without leaving the property and community you love.

#4: Building Future ROI: If you plan to sell down the road but not today… adding an ADU can add to the future ROI of your home. While there is no data yet on IF there is a dollar-for-dollar ROI on this improvement (there rarely are on any renovation by the way!), having a built-in investment property could be a great selling point. If you can use the space to creative passive income now AND achieve max ROI later… it’s a win-win.

#5: Aim For Accessibility: If you choose to build an ADU and plan to age in it yourself or house an aging loved one, make sure it is actually accessible. How many steps lead up to the front door? Is a loft really livable? Are the doorways and rooms wheelchair accessible? A 2017 Census Bureau report reveals that 1 in 3 seniors has trouble using some feature of their home. Note this when building and planning!

Are ADUs really the future of senior housing? As we always say, there is no one right way to age – but a variety of creative solutions to choose and create from. ADUs are one such option – and a desirable one at that. An AARP study conducted in the last 5 years found that 67% of adults “would consider living in an ADU to be close to someone but still have a separate space” and 1/3 of respondents would consider building an ADU.

An open mind can open many options… cheers to the possibilities!

Resources Used: ADUs Surge in California, Gain Momentum Nationwide ; The Tiny Addition That’s Helping This Homeowner Retire the Way We All Dream of One Day ; Accessory Dwelling Units Allow Homeowners to Choose Where They Age ; Aging-Accessible Homes ; Is Your New Granny Flat Truly Grandmother-Friendly?

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Does Your Home Have a Case of the WFH Sprawl?

Mon, 16 Oct 2023 18:12:53 GMT

Working from home has majorly impacted our lives – and homes too!

Do you remember that day over 3 years ago when the world seemingly stopped… and so did our commutes? One day we were all going to school and going into the office, and the next we were stuck in our living rooms wondering if the grocery stores would even be open.

While most of us have happily moved on from the days of shelter-in-place, our homes have yet to recover. While the majority of employers are embracing a hybrid in-person and remote work model, the reality is that many rooms in our homes still look like workspaces. Laptops on the kitchen island, cords visible in every room of the home, paperwork on dining room tables… does any of this sound familiar?

According to Realtor.com® , it’s time to reclaim the rooms in your home as they were intended to be lived (and we could not agree more!).

The Cumulative Effect of Clutter

Research has repeatedly shown that clutter impacts the quality of our work, our health AND overall well-being. Libby Sander, Assistant Professor of Organizational Behavior at Bond University states that “ Our brains like order, and constant visual reminders of disorganization drain our cognitive resources, reducing our ability to focus. My research shows our physical environments significantly influence our cognition, emotions, and subsequent behaviors, including our relationships with others.” Moreover, the effect is cumulative – so the more sprawled out the stuff and the longer it sits out – the worse the effects.

5 Ways To Reel It In

#1: Clean the closet. Many people turned closets into ‘cloffices’ or closet + office nooks. But that likely impacted your storage and it spilled into your home. Turn that space back into a closet and designate a separate and non-storage area to work in.

#2: Turn your island back into a paradise – for your culinary senses. Kitchen islands offer almost TOO much room to multi-task, and often become the most popular space to work in the home. But can you really enjoy meal prep and dining when you are surrounded by cords and laptops? Consider a house rule that device chargers are no longer permanent residents of the island; designate times that working is and is not allowed at the island – it’s all about balance and food is always a (separate!) part of that!

#3: Dining rooms gone wrong… can now go right! If your dining room table turned into a defacto homeschool space or office, ‘tis the season to make it a source of more pleasant gatherings. Reimagine that room as an appetizer buffet, a cookie decorating space or formal holiday dinner space.

#4: LIVE in the living room. Working in the living room may be cozy… but may also take away from your sense of relaxation in the room. Assign ‘duties’ for sitting on the couch – such as reading, watching tv or talking to a loved one. No paperwork, no laptops and no Zoom meetings on the cushions.

#5: Don’t forbid the flex altogether. The reality is that post-pandemic or not, Silicon Valley life has long revolved around the ability to flex hours, take international calls at all hours and work both in and outside of a typical 8-5. Flex your space just as you flex your work – but in ways where it can be put away. Rolling carts with office supplies, storage ottomans and lift top coffee tables and small desks in bedrooms (when work conversations require closed doors) are ways to make it work – without making your home ALL about work. ��

Resource Used: So Long, Hybrid Lifestyle! How To Reclaim Your Living Space From Work Sprawl

All our best,

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Making The ‘Right-Place’ Decision In Retirement

Wed, 11 Oct 2023 18:23:30 GMT

Here are 3 steps to take as you decide where your next chapter begins.

When you think of retirement, you often think of what type of housing you want, what lifestyle you hope to lead and how much it’s all going to cost. But the one element that many of us take for granted is exactly where this all will take place. Perhaps you imagined downsizing but staying in your same neighborhood, but your partner has always envisioned moving closer to your grandkids. Or maybe you were picturing not moving until you ‘had’ to, but your spouse has a sunbelt second home in mind.

As you or a loved one consider taking that next step , here are 3 ways to help you (and your partner if applicable!), set foot on the same path.

#1: Identify Priorities. The first thing to ask yourself is what you want to achieve when and if you move. Are you looking to move somewhere that makes aging as easy as possible? Is your objective to be closer to your grandkids and watch them grow up? Are you hoping for a refreshing change or sustaining familiarity? Is cost a driving force in where you choose to go? Once you have asked yourself these questions – be sure to ask your spouse or partner (if you have one!) too. Sometimes the conversations you had in your 40s or 50s are different than the ones you have in your 60s and 70s. Assume nothing.

#2: Weigh the pros and cons of near vs. far within your priorities. If you are considering something ‘near but new’, you may wish to ensure that the change you make really gets you what you want. If you are thinking of relocating, consider ‘try before you buy’ and live in a new place temporarily before you take the plunge. Better yet, can two places serve you best? Is there an option that splits your time but doubles your enjoyment of the things you love? Are you and your spouse open to spending part of the year apart to maintain two properties or nourish separate interests? Last but not least, ask yourself if you have any concerns about giving up your current network of friends, doctors, attorneys, etc. Some experts recommend asking yourself this key question: ‘What community is going to help you grow in the ways you want to grow?.’

#3: Consider virtual workshops or online assessments. Did you know that there are actually tools you can use to help you choose a retirement location? Next Avenue recently featured a Right Place Workshop conducted virtually by author Ryan Frederick; you can also learn more about his book titled ‘Right Place, Right Time’ here . Road Scholar offers a checklist you can run through here, while AARP offers quizzes on ‘ Are You Getting Ready To Retire?’ and ‘What’s Your Retirement IQ?’ here.

We hope today’s topic has inspired and empowered you to think about what you really want to get our of retirement – and where you can make it happen!

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Resource Focus On Moving

Sun, 08 Oct 2023 16:09:33 GMT

A great guide from Realtor.com® plus some bonus tips!

Studies have shown that time and time again, moving ranks as one of life’s biggest stressors if not THE biggest stressor of all time. Since the purpose of our blog is to make your life easier, more meaningful and ultimately happy – we are dedicating today’s blog post to supporting you through one of the most chaotic changes you will face at some point.

There are countless reasons why people move but virtually all of them are linked to some life circumstance, financial need, or short or long-term plan. While every move has its own nuances and challenges, our hope is that the resources below can provide a starting point to make your move more efficient and less stressful.

Resources

The Ultimate Guide To Moving | Realtor.com®

In partnership with Moving.com, Realtor.com® has compiled not just one resource but an entire guide to support the moving process. There are a dozen easy to read and informative articles that focus on topics such as ' Questions To Ask Before Hiring Movers ’, ‘ Is Your Moving Estimate Accurate ’, ‘ Should You Get Moving Insurance ’ and more. One of our favorite (and most often forgotten topics!) is ‘ How To Unpack After A Move .’ This is a must read!

Explore The Ultimate Guide To Moving

_ _ _

Your All-Inclusive Moving Checklist for 2023 | Architectural Digest

If lists are your thing (who can survive without them?!), this resource is about to be your best friend! Just published this summer, this guide offers 6 list-based articles that follow your moving timeline from 4-5 months before the move to moving day AND after. The suggestion of a moving binder is a great one and a tip virtually every individual and family can benefit from.

Read Your All-Inclusive Moving Checklist for 2023

_ _ _

25 Cross Country Moving Tips That Will Save Your Sanity | Moving.com

This article was published last year but the tips are timeless; a long distance move brings up all kinds of additional to-dos (travel arrangements, pet preparation, DOT numbers, etc.) and this article addresses them all and more. There are even reminders for child care, documenting the condition of your items and the much-needed task of… self-care .

Learn 25 Cross Country Moving Tips That Will Save Your Sanity

_ _ _

If you have any other questions or would like the recommendation of a great local moving company that we consider our go-to resource, please do not hesitate to reach out!

All our best,

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: 5 (Surprising!) Cities With The Biggest Population Gains Over Age 65

Wed, 04 Oct 2023 15:32:57 GMT

Plus, the 5 cities that retirees are bidding farewell to the fastest.

When you think of retirement locations, chances are that cities in Arizona and Florida come to mind. But is this where the majority of retirees are fleeing today? A new study from Market Watch reveals that the cities experiencing a ‘boom’ of Baby Boomers are not the places you would expect but have some amazing benefits you may wish to consider.

Researchers explained that “The reason traditional retirement locations didn’t make the list was that those markets were already dominating the retirement scene and didn’t see explosive growth.” Furthermore, many traditional sunbelt towns have become too pricey or crowded to live in. Regions on the list feature more senior living options, better medical support, bigger senior resident communities and competitive rents. Virginia and North Carolina offer the added advantages of a balanced quality of life – being near both major universities and top medical centers.

On the other side of the coin, there are 5 cities in which Baby Boomers are exiting at the highest rates – and you will not be shocked that two of them are in Silicon Valley. Cities on the list below have less than desirable costs and quality of life considerations for retirees. For example, San Francisco housing costs are 202% of the national average; healthcare in Seattle is 31% higher than the national average; groceries in New York are nearly 30% more than the national average.

Do any of the cities on either list surprise you? Where would you love to retire… and what steps can you take to make it happen? The last quarter of the year can be a reflective season to prepare for a new year with new goals ahead. Hope you have fun in the process! ��

Resources Used: "See you later, Sunbelt. Boomers are rejecting the classic retirement spots." / "5 Cities Baby Boomers Are Leaving — Why They Don’t Want To Retire There"

All my best,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 3 Home Price Headlines

Mon, 02 Oct 2023 05:01:50 GMT

3 articles, 3 things to know about home prices past, present & future!

If you think high mortgage rates are keeping home prices down… it may be time to think again. Home prices have hit the headlines in the last several weeks with some statistics and perspectives that just may surprise you. Check it out!

“The national home price composite has reached a NEW all-time high, erasing all previous price declines.”

Bankrate & Mortgage News Daily The major media headlines have all been publishing the latest National Home Price Index from Case-Shiller which reveals 6 months of consistent home price growth across the US has now erased previous declines. In addition, 10 out of 20 cities sampled reached all-time high levels of home sales prices. While this is noteworthy, it is important to note that this data represents national averages. Reginal variations exist and your own micro market may or may not reflect this trend. But the key is that on average, there is not a decline in home prices and many areas are actually hitting home price highs!

“The total value of the US housing market is up 49% compared to the period before the start of the pandemic in February 2020.”

Yahoo! Finance & Zillow | A Zillow analysis reports that the total value of the US housing market has increased nearly 50% - due to not only rising home prices but also… new construction. While new builds have not increased inventory as much as hopeful buyers would like, the progress has dramatically impacted the overall value of real estate in the nation. Not surprising to those of us who live here, California tops the list of states whose value lies in real estate. In fact – our state represents 20% of the real estate value of the US.

“Once interest rates go down, housing prices are likely to ‘go through the roof.’ “

Yahoo Finance & Fox Business Real estate entrepreneur and “Shark Tank” star Barbara Corcoran was recently interviewed and shared a perspective that many in the industry agree with. If you think home prices are high now - just wait until interest rates drop. While many are tempted to wait out the rates, by the time that dip occurs the cost of the home you want may be much higher. “The minute those interest rates come down, all [is] going to break loose and the prices are going to go through the roof… It’s going to be a signal for everybody to come back out and buy like crazy, and the house prices [will likely] go up by 20%.” (Corcoran)

Do any of these headlines surprise you? Create more questions than answers? Make you glad you purchased when you did?

As October continues, expect more home price predictions and 2024 projections to emerge. There is no crystal ball but there is a lot of analysis and much historical evidence to make some educated guesses.

All my best,

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: A 'Healthier' Hospitalization?

Wed, 27 Sep 2023 17:26:25 GMT

Even a ‘simple’ hospitalization can have complicated consequences for seniors.

Age comes with many benefits (think of all that accrued wisdom!) but we all know that growing in years means growing in health challenges too. With those aged 65 and older being 2x more likely to be hospitalized compared to older adults, there are some things we want to share with you.

According to Jefferson Health geriatrician Dr. Nataliya Dementovych, “Hospital stays can be very stressful for many people, regardless of age, whether it’s about the fear and uncertainty about one’s health condition or the confusion and isolation of the hospital setting. But in old age, the stress of hospitalization can be even more damaging to mental health.”

In fact, the American Academy of Neurology reports that “cognitive decline more than doubles after a hospital stay for elderly patients.” Faster cognitive decline occurs with more severe illness, longer length of stays and older age (for example those in their 80s vs. 60s).

Reasons cited include: stress and isolation, a change in familiar setting and routines, decreased activity associated with worsening physical outcomes and a lack of independence while in the hospital (which can have marked psychological effects).

Industry experts assert that there are ways to prevent the cognitive decline and physical setbacks associated with hospital stays. First of all, consider that there are age friendly health systems (search here )that specialize in care for those aged 65 and older. Second, family and friends should provide physical and emotional support both during a loved one’s hospitalization and after. Ensure that mental and physical health needs are being addressed appropriately and advocate for comprehensive discharge plans and follow-ups.

AARP offers practical tips for making a hospital stay more comfortable, such as bringing your own pajamas, prepare yourself to deal with a roommate, see if favorite foods can be brought from outside, bring entertainment such as books and/movies, give yourself permission to say no (when it will not harm your care) and show those nurses ALL the gratitude.

While a hospital stay is far from a vacation, the experience can have minimized long term effects with the right support and an objective mindset.

Wishing you only health & happiness this fall and always...

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Defining ‘Modern Farmhouse’ Style

Mon, 25 Sep 2023 18:03:04 GMT

It’s more than shiplap and barn doors!

There are two words that have dominated housing design for the last 8 years, in large part due to a popular tv couple who brought the style to HGTV (you have all heard of Chip & Joanna Gaines right?!): modern farmhouse . While most of us think of modern farmhouse as a shiplap wall here and there, barn doors in key access points and a few chicken-themed pillows... the reality is it is SO much more! A new article from Realtor.com® reveals what modern farmhouse is inside & out, and the fall season is an ideal time to actualize it!

INSIDE

Hallmark features of modern farmhouse inside are: barn doors, reclaimed wood, wicker accessories, a classic apron sink, vintage furnishings, large & comfortable furniture, wide plank floors and wrought iron accents.

The Spruce defines modern farmhouse as “…[blending] farmhouse decor with contemporary design, furnishings, and color schemes. Modern farmhouse style evokes feelings of warmth and comfort. It's classic without being fussy and makes elevated designs comfortable, making you want to put your feet up and stay a while.”

OUTSIDE

While the modern farmhouse vibe is easy to see (and feel!) on the inside, what exactly does it entail on the outside? Realtor.com® insists that “a modern farmhouse’s mix of rustic and citified details is immediately apparent in a home’s structure.” You just have to know what you are looking for!

These are the key features of a modern farmhouse-styled exterior: vertical siding, oversized windows, a symmetrical shape (typically two stories with a clean front and any wings/additions off the back), a gable roof, an open-plan layout and a covered porch.

What is your favorite element of the modern farmhouse vibe? Does your home have any accents of this popular and contemporary design trend? What aspects of this style would you consider timeless?

Cheers to crisp fall mornings and cozy afternoons!

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Staying Safe While Keeping Fit

Wed, 20 Sep 2023 18:11:15 GMT

Active safety planning for an active lifestyle made easy!

Fall is a wonderful time to take walks outdoors, soak in all the fall colors and enjoy cooler weather. As we transition into fall and maintain a focus on active & healthy lifestyles, we wanted to share some tips from the National Institute On Aging.

First and foremost, safety isn’t something we should think about as we head out the door. It’s layers of protection that take a bit of time and planning but can pay off big in the long run! Once you review the key points below, we encourage you to make a list of the things you need (then order them on Amazon or book an errand day to go buy them!). Chances are you always do 1 or 2 of the suggested action items all of the time, and maybe 1 or 2 others some of the time. But being safe out and about and while walking involves doing as much as you can , all of the time . Soon it will become habit!

Data below courtesy of Next Avenue & NIH/National Institute On Aging

THINK AHEAD ABOUT SAFETY.

- Take an ID and cell phone with you, but stay alert by not talking on the phone as you walk.

- Let others know where you’re going and when you plan to be back.

- Stick to well-lit places with other people around.

- Take a flashlight and be sure you have reflective material on your jacket or walking shoes if you walk in the early morning or evening.

- Put lights on the front and back of your bike.

WALK SAFELY IN RURAL AREAS.

- Be sure drivers can see you.

- Always walk facing oncoming traffic.

- Look for a smooth, stable surface alongside the road.

- If the road has guardrails, see if there’s a good walking space behind the barrier.

IF YOU DON'T FEEL SAFE EXERCISING OUTDOORS, BE ACTIVE INSIDE.

- Find local stores or malls large enough for you to walk around.

- Walk up and down your stairs a few times in a row. Be sure the stairwell is well lit and has railings for safety.

- At home, do the strength, balance, and flexibility exercises in Exercise and Physical Activity: Your Everyday Guide from the National Institute on Aging.

- Work out with an exercise DVD such as the Go4Life DVD.

Did you know that one of the best things you can do to stay fit safely is to enjoy an active lifestyle with a friend! Why not walk with one buddy per day, meet the grandkids at the park or invite a neighbor on your daily stroll? The dual benefits of connection plus fitness are an unrivaled (and pretty fun!) pairing!

Additional Resources:

Older Adults Safety (Sheriffs.Org)

Safety For Seniors (LAPD Online)

Stepping Out As An Older Adult (National Highway Traffic Safety Administration)

Happy walking!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: Does Your Preparedness Plan Include Pets?

Mon, 18 Sep 2023 18:05:02 GMT

It’s National Preparedness Month & an ideal time to ensure every family member is covered.

September is flying by, and just a few weeks ago we shared that the theme of National Preparedness Month 2023 highlights the needs of older adults . Yet it is equally important that every member of our family is ready for anything… including your four-legged family members!

The latest data shows that nearly 70% of US households have a pet, so we have included a list from Ready.gov on how to make an emergency kit for your furry and never forgotten loved one.

The Red Cross reiterates that in the event of an emergency “your pets will be even more dependent on you for their safety and well-being.” They are essentially the only ones in your home that you cannot prepare mentally or physically for a drill with any deeper contextual understanding (though a practice evacuation never hurts!). Be sure to save this link from the American Red Cross to find links to the Pet First Aid App, how to make a first aid kit for your pet, access a pets and disaster safety checklist & more.

No matter who is in your family and how you have chosen to acknowledge this important awareness month, please do at least 3 simple things to prepare! At a minimum, sign-up for your community’s emergency alerts , change the batteries in your smoke detectors and update your supply kits with unexpired food and plenty of water.

Let’s be ready for anything… and hopefully never have to rely on it! ��

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Flipping The Script On Senior Living

Thu, 14 Sep 2023 18:05:11 GMT

Read why one retiree just said no to gated senior living.

“While ‘best places’ lists typically tout retirement meccas such as Florida, Arizona and Texas, I needed something more than sunshine and low taxes. Now that the two most fulfilling phases of my life – my career and my marriage – were over, I needed to find ways to expand my orbit, not shrink it.”

The perspective above is an inspiring and profound one, written by a retiree who unexpectedly lost her husband to cancer during retirement. But is this a blog about grief and isolation? While those are no doubt circumstances we all face, this week’s Senior Spotlight is focused on one type of new chapter that is improving the quality of life for many retirees: city living.

You’ve read on our blog before about the AARP movement to disrupt aging. You’ve heard us talk about active retirements, about this not being your grandparents’ retirement era. But a fresh read from Next Avenue offers some new terminology and new insights into the benefits (and beauty!) of a non-traditional retirement path.

The author of the read, Bonnie Miller Rubin , shares how she and her husband left the suburbs to retire in the city…”after more than four decades in the suburbs, we packed up and moved to where we could get Chinese food delivered at 3 A.M.” She explains how she and her husband lived like tourists, exploring cafes and eateries, enjoying foreign film shows and attending symphonies and concerts. It was a great retirement life, although stopped in its tracks by her partner’s cancer diagnosis. Four months later, Bonnie found herself alone when his battle was lost.

Friends and family expected her to start over, to move to a gated senior community. But Bonnie took time to think about what she really wanted and decided “I needed to find ways to expand my orbit, not shrink it. All the activities of this vibrant neighborhood make it easier to build a new life on top of my old one. I am alone but rarely lonely.”

She stayed in the city that she and her husband had planned to age in together, but pivoted her circle to get bigger. To invite friends to eat at the Michelin-starred restaurant just 267 steps from her door. To become a regular at the nearby zoo and conservatory. To turn one of the darkest chapters in her life into a new book. To embrace what she had around her to create fulfillment within her.

What if we all ‘flipped the script’ on what we think we should do? What if we all had the courage to start anew when we feel like running away? How would we feel if we expanded our orbit rather than reduced it? Bonnie says it best when she explains “I am certainly not suggesting that a few farmers markets and street performers will tame this beast called grief. I'm just trying to make a little music.”

Read In Full: Why I Don't Live in a Gated Community

Have a great rest of the week,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: 2024 Colors of the Year

Mon, 11 Sep 2023 18:27:41 GMT

Designers already have their eyes on new year, new paint.

It’s only September, but in the real estate and housing world, this month is when many of the ‘countdowns’ begin. The 2024 industry forecasts will begin to make their debut, and the fun stuff like home and style trends will also emerge. On that former note, Realtor.com® has just revealed the 2024 colors of the year that have been revealed to date; these may be the most diverse and saturated palette we have seen yet!

Be sure to see all the colors featured in “From Bay Blue to Apricot Crush: Every 2024 Color of the Year (So Far)” . We have also listed them in this at-a-glance infographic!

Which one is your favorite... in name only? Which hues could go with your home? Are there any absolute 'yays' or 'nays' from these picks in your household?! Paint is one the lowest cost and highest impact improvements you can make, and beyond worth the joy that it brings. We are pretty sure there is some saying about living life in color... and we are here for it!

Have a great week,

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: National Preparedness Month Focuses On Older Adults

Wed, 06 Sep 2023 14:26:00 GMT

Seniors are at greater risk when it comes to emergencies – learn more in our new blog!

September is here… and marks the annual awareness campaign of National Preparedness Month! The 2023 theme is “Take Control in 1, 2, 3” and has a special focus on preparing older adults for disasters. The Department of Homeland Security reports that “older adults can face greater risks when it comes to the multitude of extreme weather events and emergencies we now face, especially if they are living alone, are low-income, have a disability, or live in rural areas.”

The good news is that being aware of the challenges that older adults face during disasters and emergencies means we know how to help! Ready.gov has created a NEW webpage designed just for older adults and preparedness. Check it out HERE.

FEMA also offers two flyers that are a great reference, we have included one below and you can access the more detailed brochure at this link.

If we had to summarize emergency preparedness for older adults in ONE word, it would be support.

Support those around you in preparing for an emergency and creating a supply kit and plan – NOW, not when the disaster happens.

Ensure that senior support is not limited to one person, but that your aging loved ones have access to a network of support that they can call on.

Remember that support is not a one-time event, but an on-going commitment to help even as needs, health status and circumstances change. For seniors, support systems need to be constantly re-assessed and re-strategized. National Preparedness Month marks the ideal time to do just that!

Happy Planning!

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Labor Day 2023: More Than The End of Summer

Sun, 03 Sep 2023 15:35:18 GMT

This 3-day weekend is about more than barbecues and pumpkin spice… read on!

Labor Day is often considered the unofficial end of summer, although the fall solstice technically occurs later in the month. As firm believers in hard work and the spirit of the American dream, we wanted to share a little bit about the roots of this day.

Here are 5 things you may or may not know about Labor Day:

#1: Labor Day was first celebrated in 1882 in New York, when the unions of New York City decided to have a parade to show support for unions & worker

protections – and 20,000 people showed up! It became a Federal Holiday in 1894.

#2: The biggest union today is the National Education Association which has about 3 million members.

#3: The Labor Department was not created until 20 years after Labor Day, and was the FIRST cabinet agency led by a woman, Frances Perkins. She championed clearly defined work hours and a minimum wage which became law with the passage of the Fair Labor Standards Act in 1938.

#4: Despite a ‘sour’ public mood, recent findings reveal that 82% of workers are satisfied with the work they do, 78% are satisfied with their company and 75% of workers are more than content with their commutes!

#5: Happiness at work is linked to improved productivity (by at least 12%!), consistent outperforming of competitors, better employee loyalty and improved worker well-being.

The bottom line: Labor Day is about so much more than the end of white pants and the resurgence of pumpkin everything in supermarkets. We consider this day of vital importance to not only celebrate what the hard work of Americans has achieved, but to reflect on your own purpose.

Work and joy should not be on two opposite ends of the spectrum, but rather complementary forces that define you in the best ways possible!

Resources Used: National Constitution Center , Department of Labor , Forbes , Fast Company

Have a great week,

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Three ‘Buckets’ of Downsizing

Wed, 30 Aug 2023 18:50:19 GMT

Going smaller does not have to make your stress bigger!

Downsizing is a word that evokes much fear and stress in everyone who has ever attempted or considered it. While moving is a daunting task at any age, dealing with a lifetime of possessions on top of it (and maybe even changing housing options) can feel even more overwhelming. A recent read from Bankrate published last month presented 3 key takeaways that we felt were a great way to sort your downsizing tasks into ‘buckets’ rather than seeing it as one large storm!

#1: Let your timeline of downsizing be driven by your retirement timeline.

That does not mean you have to figure out the timeline alone! Talk to your financial advisor, think about your current home value and career trajectory and consider where you may be moving to. Based on rates and inventory, you may decide to move locally now even if you are still working, or waiting until you are officially off the clock and on the house hunt out of area.

#2: If monetary savings is a goal – look at all factors, not just home value.

Many older adults wish to downsize to save money and maybe even have some extra cash to throw in the bank. Be sure to look not just at the cost of your current home and your next one, but also: property taxes, insurance, utilities, cost of living (especially if changing locales), costs of selling and moving, etc. If you plan to age in place and not join a senior housing community, can you afford the improvements needed to support changes in health and mobility? Do you have room and savings allotment for a caregiver if needed down the road?

Note: Some seniors choose to ‘rightsize’ rather than downsize – which is another great option! They may choose a home that fits their needs better regardless of size – but may have less stairs, be closer to family or have an extra living space for a caregiver.

#3: Once you decide to minimize your possessions, decide HOW you want that process to look.

Stuff. Too much of it. This is a common problem with moving and especially if you are moving to a smaller space. Believe it or not, getting rid of stuff is rarely easy and almost never free. Family members hardly ever want old furniture, knick knacks are often considered ‘junk’ and you typically have to pay to have large items hauled away.

Do you want to enlist the help of friends and family? Hold your own garage sale and hire your own hauling service for the rest? Hire a professional move manager to do it for you? Knowing who you want to help (and who you don’t) can save a headache or a few down the road.

To read more helpful tips, we encourage you to read ‘A Senior’s Guide To Downsizing’ here.

Warm regards,

Bobbi

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/

Monday Market Update: CAR® Reports Market Competition Continues

Mon, 28 Aug 2023 18:17:20 GMT

Over 50% of California properties are selling above list price.

It’s the last Monday in August and a time many would call the end of summer. Today we are reporting what we call a ‘fast fact’ feature which shares a key real estate statistic to give you an overview of where the market is at in a minute!

As you can see from the graphic below, CAR® data reveals that 50.3% of homes are selling above asking price. – and that is across the state! In San Mateo County , the average sales price is actually 104% of sales price. In addition, CAR® indicates that statewide prices are trending upward as a whole for the first time in many months. (Many individual markets have seen price increases year-over-year, but this is the first time that has occurred in the state average in almost a year.)

To see more state data, view the latest CAR® infographic and market reports here.

To see more Silicon Valley data, you can see the SAMCAR® stats here .

Hope you enjoyed our 'Monday Market Fast Fact' – if you liked this feature, let us know: bobbi@bobbidecker.com .

Have a great week,

Bobbi

Bobbi & Team

Bobbi Decker
DRE#00607999

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/

Senior Spotlight: Lost Luggage Top Tip

Wed, 23 Aug 2023 18:20:42 GMT

You’ll need this item to track your bags better than the airline can.

Travel is supposed to be fun, right? And it usually is – unless you are facing a canceled flight or lost baggage (two of the issues that are rampant in travel today!). We are going to talk about the former this week and share a tip we recently learned on how to track your bag better than the airline can.

Did you know that post-COVID demand for travel resulted in unrivaled disruption in lost luggage? In 2022 alone, rates of mishandled baggage doubled with 26 million pieces of luggage lost, delayed or damaged ( Guardian, May 2023 ). If you do a quick Google search on the topic of lost luggage, you will see countless stories of travelers who had to make an extra trip to track down their bags (one airline lost a family’s irreplaceable heirlooms on a trip to Italy). You’ll also see that one tracking trick is commonly noted as a way to find your own luggage when the airlines can’t – the Apple AirTag.

On a humorous note, Apple Insider reports that “…sometimes AirTags have given us funny stories about lost luggage going on a better holiday than its owners.” The same article reports the common phenomena that occurs when “an AirTag has rescued luggage that wasn't where it should be and wasn't even where the airline insisted it was.”

We experienced this for ourselves when a fellow passenger experienced a missing suitcase. The airline was unable to locate the bag, but the passenger was due to his Apple AirTag and saw that his bag made it home to his doorstep before he returned from his 10 days of travel. While it was inconvenient to do without his bag on his trip, it gave him piece of mind to know the bag was on his doorstep and that a neighbor had brought it in safely. Otherwise, he would have spent 10 days waiting for the airport to track it down and worry what items had been damaged or compromised.

While we are not endorsing and do NOT benefit from your decision to purchase an Apple AirTag, we do want you to know we wish we had them on our bags during a recent excursion. If you decide to buy them, the cost is $29 for one or a 4-pack for $99. Support in connecting the AirTags can be found here . A good read on Android alternatives to the AirTag can be found from ScreenRant and the Android Authority.

We hope that our experience can save you some stress! Wishing you safe, healthy and happy travels where you make many memories (that do not involve lost luggage!).

All our best,

Bobbi & Buddy

Bobbi Decker
DRE#00607999

Broker Associate
650.346.5352 cell
650.577.3127 efax
www.bobbidecker.com

NAR Instructor….“Designations Create Distinctions”
CIPS, SRS, ABR, CRS, SRES, GRI, CLHMS, REI, AHWD, RSPS, MSLG

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/