Simple Steps to a Worry Free Retirement Workshop

Simple Steps to a Worry Free Retirement

If you are retired or thinking about it, this is worth your time.

This Free 90-minute education event is presented in a moderated “Panel of Local Experts” format. We will have a CPA, Financial Planner, Trust & Estate Attorney & Reverse Mortgage Specialist. Each Panelist delivers important information affecting seniors in the context of their own area of expertise. During the second half of the event the Senior Life Source moderator presents questions from the attendees to the appropriate panelist.

Where: Dove Library, 1775 Dove Lane, Carlsbad, CA 92011

When:  Tuesday June 27th – Only at  1:00PM – 2:30PM

Light Refreshments Will Be Served

To Register. Please go to the link below:

   https://tinyurl.com/Dove1PM 

Or Call Dennis: 760-212-8225

Please feel welcome to bring your spouse or friends or family.

Worry Free Retirement

Worry Free Retirement

In the “Senior Life Source” Free Public Education Workshop, Our Panel of Experts will provide important information that every Senior Citizen and their Families should be aware of if they are looking for simple steps to a worry free retirement.

The subjects will include, but are not limited to the topics below.
This is an Interactive Education Event and Attendees will have the opportunity to ask questions and meet with our Experts 1 on 1 at the end of the event!

 Yes, you can”Right Size” and move into and own your Retirement Dream Home!

 Are you aware of all of the services you may need through your life cycle?

 How will you Access and Pay for these Services?

 Meeting the Life Expectancy Challenge

 Will you outlive your retirement savings?

 Learn about Strategies to Maintain or Improve your Quality of Life Legacy Planning

 Are you well prepared for the inevitable?

 How to make sure that your passing is not a burden on your Loved Ones

 Aging in Place at Home. You will live longer and be healthier using this option

 Learn how to plan for this opportunity Benefits Assistance, i.e., Social Security, Medicare, VA & Etc.

 Are you receiving all of the benefits you are entitled too?

 Learn how to take full advantage of what you have earned

Expert Panelists:
 Natalie L. Quirarte – CFP®, CLTC, Solana Beach, CA
 Arthur Brown – Estate Planning Attorney, Carlsbad, CA
 Leslie Martin – CPA, Solana Beach, CA
 Ted Lange Sr., CFP, Reverse Mortgage Specialist, Carlsbad, CA

Please feel welcome to bring your spouse or friends or family.
Please share this information with others who may benefit.

Sponsored by:
Dennis & Sunshine Smith
Re/Max By-the-Sea
1265 Carlsbad Village Dr
Carlsbad, CA 92008
760-212-8225 – Cell
dennis@SanDiegoHomes4u.com

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San Diego County June 2017 Events Calendar

Activities & Events Calendar for June 2017 in San Diego County

June 2nd thru July 4th – San Diego County Fair

June 18th – Fathers Day

June 24th & 25th – Scottish Highland Games in Vista

JUN 2017 Calendar of Events

JUN 2017 Calendar of Events

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7 Features That May Sell Your San Diego Home Faster

7 Features That May Make your Home Stand Out and Sell Your San Diego Home Faster

Are you thinking of listing your San Diego County home this spring?
You may be wondering what you can do to make your home more attractive and allow it to stand out from other similar homes in your market.

This month, we have information about the seven features that may help your home sell faster. From energy-efficient windows and appliances to hardwood floors, these are the most popular features buyers look for when searching for homes. The second page outlines other features that help your home stand out, from updated kitchens and bathrooms to home offices.

If your home has these features, we’ll be sure to highlight them if you decide to list. If not, and you want to renovate to add them, give me a call and I’ll connect you with a contractor in my network. Also, if you’re thinking of listing your home in the coming months, I’d love to discuss the market with you. Give me a call and I’ll give you a comparative market analysis of your home and answer any questions you may have.

Please feel welcome to pass this information on to your family and friends to help them.

 

7 Features That May Sell Your Home Faster

 

 

 

Features that Make Your Home Stand Out

Partner with a knowledgeable and experienced local REALTOR® who can help you buy or sell Carlsbad CA homes at the right price and the right time. Call or text Dennis Smith at 760-212-8225, or email him at dennis@sandiegohomes4u.com for all your real estate needs. We can also assist you with buying or selling single story homes in Encinitas, Oceanside, Vista, San Marcos, Cardiff, Solana Beach, Del Mar and San Diego.

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Invest In Yourself and Personal Growth

Programs & Information for Personal Growth and Investing in Yourself.

Aristotle said,  “Knowing yourself is the beginning of all wisdom.”

One of the best investments you can make is the investment in yourself. Personal development is more popular than ever as more people strive to achieve higher levels of success.

Here is information that outlines seven ways to invest in yourself through a commitment to personal growth. From taking seminars and reading more books to listening to podcasts and finding a mentor or coach, the list includes options for even the busiest person. The Infographic also includes the benefits of adopting a growth mindset and committing to lifelong learning and personal development.
For even more, see  http://clarkdeals.com/office-education/take-free-online-courses

Amazing things happen when you invest in yourself. Achieve more success in all areas of your life with these helpful tips. Please feel welcome to share this information with your family and friends to help them achieve their goals as well.

7 Ways to Invest in Yourself

 

 

Personal Growth Time

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San Diego County May 2017 Events Calendar

Activities & Events Calendar for May 2017 in San Diego County

Encinitas Lions Movie Night is the 2nd
Mothers Day is the 12th
Memorial Day is the 29th

Calendar of Events-MAY 2017

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Ready to Buy a Home in 2017?

Are You Ready to Buy a San Diego County Home in 2017?

Ready to Buy a Home in 2017

Ready to Buy a Home in 2017

Partner with a knowledgeable and experienced local REALTOR® who can help you buy or sell Carlsbad CA homes at the right price and the right time. Call or text Dennis Smith at 760-212-8225, or email him at dennis@sandiegohomes4u.com for all your real estate needs. We can also assist you with buying or selling single story homes in Encinitas, Oceanside, Vista, San Marcos, Cardiff, Solana Beach, Del Mar and San Diego.

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Real Estate Market Outlook for 2017

What’s in Store for the Real Estate Market in 2017

What is in Store for the Real Estate Market in 2017

 

3 Reasons to take Housing Predictions with a Grain of Salt

3 Reasons to take Housing Predictions with a Grain of Salt

 

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Buy More Home with Less Down Payment

Unison Homebuyer program

Buy More Home with Less Down Payment with the Unison Homebuyer Financing Program

Buy The Home You Really Want

A home in a nice neighborhood with good schools, an easy commute and quality of life commands a premium price. A price that may be out of reach of even relatively high-income buyers.

Financing with a low down payment loan may not bring that home any closer. Putting down less than 20% means a larger loan balance and typically requires mortgage insurance.

Together these factors can balloon the monthly payment to more than your budget allows.

That is where the Unison HomeBuyer program comes in.

Home Ownership Investment

With this unique homebuyer financing program, Unison HomeBuyer can contribute up to half of your down payment. Most typically, we will match your 10% down payment, allowing you to put down a full 20%. For example, if you’ve saved $50,000, we can contribute another $50,000 to increase your total down payment to $100,000.

Benefits

• Buy more home: Expand the price range of homes you can consider by 15-20% or more. You’ll have more home choices in more desirable areas. That means you’re more likely to find a home you want to in the neighborhood you really want to buy in.

• Lower your monthly payment: You can put more money down and get alower monthly payment. You get the home you want while maintaining your financial security.

• Reserve cash: If you already have the full 20%, you can reserve half your cash for priorities like education or investments.

• Double your down payment: In some buying situations, you just have to have a full 20% down. Unison HomeBuyer can double your down payment to get you over this hurdle.

• Present a stronger offer: Increase purchasing power and a full 20% down can allow you to better compete when bidding on your dream home.

We are excited to make it possible for you to buy the home you really want. It could be the ideal neighborhood, or a larger home with an extra bedroom for your kids, or a shorter commute to work.

Whatever is important to you in your ideal home, a home ownership investment from Unison HomeBuyer financing program can help make it a reality.

A True Partnership

The Unison HomeBuyer program is a true partnership because we invest alongside you. The cash we contribute to the purchase is not a loan, so we don’t charge interest, and we don’t receive monthly payments. Instead, we hope to earn a return on our investment by sharing in the profit when you sell your home – up to 30 years in the future. You can also buy us out after 3 years.

Please contact Dennis Smith at 760-212-8225 for more information and to connect with a Unison home loan specialist.

About Unison
San Francisco-based Unison is a home ownership investment company that partners with individual home buyers, enabling them to buy the home they really want. Unison has achieved national recognition in, The Washington Post, The Baltimore Sun, and The Los Angeles Times.
This informational flyer has been prepared and approved by Unison Agreement Corp. as a general introduction for prospective home buyers to the Unison HomeBuyer equity investment program. Your real estate agent can introduce you to a Unison Program Specialist. A Unison Program Specialist can provide you full and specific details
on the program and process your Unison HomeBuyer Agreement application. Actual down payment funding terms offered under a Unison HomeBuyer Agreement will be provided after application and approval, via a written Conditional Approval Package. Note: A transaction fee of 2.5% is payable to Unison at closing. ©2016 Unison Agreement Corp. All rights reserved. Real Estate Equity Exchange, Inc., offers Unison HomeBuyer Agreements exclusively through its subsidiaries Unison Agreement Corp.
and FRAC New England, Inc. Certain restrictions apply. AZ FN #F21226646, CA BRE License #2012710, CT BID #1217699, DC REC License #C098374562, IL DFPR License #478026863, MA BR License #422177, MD REC License #6027, NJ EI #0400758488, NY DL License #10991223540, OR Registry #1261897-94, PA EN #6428873, VA REB
License #0226-025731, WA DL License #19288. Unison is an independent investor and is not affiliated with any bank or lender. 8038 UHB Program Overview 161117
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San Diego County April 2017 Events Calendar

Check out the many things to do in San Diego in the San Diego County April 2017 Calendar of Events.

San Diego County April 2017 Events Calendar gif

San Diego County April 2017 Events Calendar 

 

 

The list above is proof of the many exciting, educational, and fun things happening in San Diego. If you wish to participate not only in all these thrilling events but also in the future ones to come, now is the time for you to consider moving forward by moving in this community. Don’t know where to start?  Click www.SanDiegoHomes4u.com for more home buying tips in this area.

Find your dream home today. Partner with a knowledgeable and experienced local REALTOR® who can help you buy or sell North San Diego CA homes at the right price and the right time. Call or text Dennis Smith at 760-212-8225, or email at dennis@sandiegohomes4u.com for all your real estate needs.

CalBRE#00476662

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325 Camino De Las Flores Encinitas CA 92024| Call 760-212-8225

Encinitas home for sale in Las Flores is waiting just for you! 

 325 Camino De Las Flores is now up for sale. Don’t miss this opportunity to get your dream home in Encinitas for under $1 Million! 

Located at the beginning of a cul-de-sac and with a living space of 2,175 square feet, it features 4 bedrooms, 2.5 bathrooms, and a 3-car attached garage.

This home has only one owner! The original owners of this property have listed this home for sale after 41 years of ownership! Pride of ownership gleams from this house for sale.

With an asking price of $899,000, this is a dream home and one to be proud of!

325-Camino-De-Las-Flores-Encinitas-CA

Yearning for a coastal lifestyle?

Camino De Las Flores, located in the heart of Encinitas is a great neighborhood. The people are nice and friendly, and the homes are beautiful.

Encinitas schools are rated high, and this home is within the award-winning Ocean Knoll Elementary School boundaries and San Dieguito Union High School District.

Not only do your kids get exceptional quality of education, you also get to live close to the beach.

Just three miles away is Moonlight Beach.

If you enjoy golf, Encinitas Country Club is only five miles away.

This home is within a short distance of many public amenities and fun locations.

The grocery is walking distance and the major shops, retail stores and restaurants are within three miles.

This home is an entertainer’s dream!

You will love this home’s living room. It is a nice, open floorplan, making the living room large and welcoming.

It is a wonderful place for entertaining and is spacious enough to accommodate a large crowd.

Across the entire front wall of the living room is a special, floor to ceiling, leaded glass window that allows natural light to flood the living room. The room is bright and open, and the windows give the room an energetic vibe which is very refreshing.

With some well-placed chairs and furniture, the living room can transform into a very inviting spot.

Get warm and comfy in the cozy family room

Aside from the living room, this house also boasts of a cozy family room with crown molding.

Homes for Sale in Encinitas CA

The family room is warm and comfortable with a beautiful gas log fireplace. It is a great place for relaxation and intimate conversations with family members.

Homes in Encinita CA

It also has a french door that leads to the large front deck that acts as a natural extension and overflow when you have many guests.

This deck, along with the rear deck by the pool are long lasting, rot and bug-free manufactured wood, very good quality that would last you a long time.

This home’s newly updated kitchen is bright, clean, and spacious. 

Encinitas CA Real Estate Properties for Sale

Enjoy cooking in this home’s newly renovated kitchen with quartz counters, farm sink, induction range and black appliances. Custom cabinets are also installed, creating an abundance of storage space for your ingredients and other cooking supplies.

Practice preparing your heirloom recipes and fill the kitchen with the delicious aroma. Treat your family to different desserts each day in this well-spaced kitchen.

In front of the sink is a garden window with a view of the pool so you can watch over the kids while still doing cooking.

An attic space is set up over the kitchen and can be expanded for more storage or closet spaces.

Turn your bedroom into a luxurious, serene retreat

This Encinitas home for sale has larger than normal-sized bedrooms.

Encinitas CA Homes

The master suite is expansive! You will find that even with a king size bed, a settee at one wall and a few other furniture inside, there is still plenty of room to move.

It is a wonderful serene retreat, enhanced with Crown Molding.

Encinitas CA Homes for Sale

Kids or guests enjoy a soothing and calming sleep this bedroom gives each night.

Enjoy the health benefits of a saltwater pool right in your backyard!

Another special feature of this home is a gorgeous, free-form salt water pool.

This pool is healthy, has a lower maintenance cost, and feels better on the skin. It is also a wonderful stress reliever.

Encinitas Homes for Sale

It comes with an attached jacuzzi and solar pool heat.

Located in the backyard and surrounded by plants and a landscaped garden, it presents a very relaxing view.

It is also a good center of entertainment if you are having guests over.

The rear deck by the pool is amazing for barbecues, al fresco luncheons or dinners, or when you just need an outside space to lie down at night and watch the stars.

Encinitas Homes

This deck is protected by a large rollout awning that self-retracts when it gets windy.

If you love gardening, you will love the backyard garden and front lawn of this Encinitas home for sale. Shrubs and various ornamentals plants are already planted, but if you want to add more or change it to a different variety, you are free to do so.

Real Estate Properties for Sale in Encinitas

The side and backyard are surrounded by a fence for privacy and security.

Falling in love with this home already? Your new home deserves your care and maintenance just as much as you deserve an updated home with great amenities.

I have always sought to provide the best assistance to my clients. Check out http://CarlsbadHomesForSaleNow.com/About to learn more about me and how I can help you find your coastal home.

This home is currently under, contract however, call me for other homes in the area.  I can make sure you do not miss another one. Call me, Dennis Smith at 760-212-8225 today.

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