Concierges, for persons in transition

~ ‘Concierge Providers’ in honor of Paul’s mom 1921- 2021.    Paul at anibal-group-llc-realtynetworth.com-thenetworthlife_consultation-with-retiree_trusts_conservator_wills MI FL realty broker

As always, its another benefit of having a brokerage agreement with me, just as our ‘Annual If/ Any/ All’ package.
With a retainer & pertinent rider docs in place, get this extra perk. Concierge Providers, assist you & only you, with the little stuff outside of the brokerage aspect of your buy/ sell/ and relo.
  • Pay-as-you go Providers can be:
    1. ‘By Your Side’ advocates for QnA, your own personal curator, &/or assistant role, giving general assistance & FYI’s. These are often active or recently retired licensed professionals. >$500 min. retainer/ hourly billings/ retainer refreshed when used up.
    2.  ‘Site Visiting’ to help w/on-site ‘tasks’. Facilitator Assistant – Good for a small number of specific tasks – The Concierge can visit the site, as needed, for collecting quotes, and checking in on providers – limiting service to being a curator & update reporter. ~ You will ‘launch the task’ & initiate the providers task(s). ~ To protect providers that we’ve curated, we may request retainer = your articulated budget.  However, you’ll finalize payment directly to providers at task(s) end, we return to you the ‘escrowed’ security funds at that point, as you are the one directly engaging the provider(s).  >$500 min. retainer (higher if we’ve done pre build out)/ >$hourly + mileage billings/ retainer refreshed when used up.
    3. ‘Bigger Plan’ – again, a Facilitator Assistant for a more global approach – perhaps many sub-tasks & providers. ~ Retainer equals your overall plan budget. You’re still/ always/ responsible for the process(es) to accomplish your overall plan. >As a % of your anticipated project total outlay, the > of $500 or 10% of budgeted $’s is our min. retainer / >$hourly + mileage billings/ retainer refreshed when used up.
    4. Customer Control: ~ Our in-house assigned Concierge does NOT provide contracting services, insurance, tax reporting, or compliance. The customer must give explicit clear details & memorialize them – spoken/ phone calls/ texts & personal emails are not recognized by us. Get acknowledgements in writing!
  • ‘No-Cost’: leaving property to children Anibal Group LLC RealtyNetWorth.com
    • You, our client, can automatically get this service package perk with your *retainer & agreement as your provider of buy/ sell/ or relocation brokerage. .
    • We set aside a percentage of our brokerage servicing fee, out of our pocket, for your personal assistant(s).
    • On your client portal, YourSpace24/7, you have a dashboard to keep track of credits available and credits used, much like say a Speedy Rewards or Frequent Flyer Perks, etc.
    • Its pay-as-you-go above rebates offered, BUT any upfront as a retainer can be rebated back to you at closing. Maximum possible rebates? Higher levels are extended to poverty level elders with limited assets, otherwise, to our ‘recommended’ realty servicing agreement we can add a rider for:
      • Transactions 200k+ We’ll rebate lesser of retainer or 5% of our brokerage fee.
      • 500k+ We’ll rebate lesser of actual or 10% of our brokerage fee.
      • $1m …. 25%.
    • Request a ‘Concierge Rider’, then the concierge providers retainer you present us with – min $500 + your rebate for services used up to the less of the % noted above or your retainer = applied to closing. The net affect at closing settlement is you get personal services at ‘No-Cost’.
      • (the “Rider” retainer is separate from agent/ broker servicing agreement & retainer)

~ I so oft see real estate agents promoting “the ___ ___ ‘team’ or ‘our team’ “.

I realized, the ‘listing specialist’, ‘marketing specialist’, ‘closing specialist’, etc, are all handlers for the office/ agent/ broker aspect. >> Light bulb: what about the client? How about a ‘specialist’ for them and them alone? YES! That’s us.

__ These are ‘transaction/ transitions concierge’ providers. __  A helper providing professionalism, empathy, assisting you through a traumatic time of life – the transactions of real estate!

__ I’m excited to offer this assistance during the time of your ‘transaction/ transitions’ brokerage. ‘They’ don’t talk ‘house/ real estate/ marketing/ title/ mortgage’ ….NO…they are the ‘who might know how to help’, kind-of-a-friend, to and for the client when feeling overloaded. ~ Some concierge(s) also provide ‘tickler checklists’, not an overwhelming printout, but perhaps touching base as the transaction unfolds.

real estate agent broker screening referral advocacy paul anibal seniors and veterans specialist__michigan_to_florida_california-to-maine


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* Concierges available w/ min. $250k transactions of a 1st, 2nd residence or trust/ estate liquidation. Level 1 ‘base’ available w/ up-front brokerage agreement & retainer, level 2 ‘premium’ also requires pay-as-we-go additions to retainer. Request details.

Please seek you own professional legal, tax, real estate, and insurance advice – not to the reliance of this article.


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~ Lake Shannon Lakefront, by 2nd generation broker & longest lakefront resident


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CHOOSE 1:

 


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326 N Hazelton St, Flushing, MI 48433, Flushing Schools, completely upgraded & move in condition 2-3 Bd/2 Bth/4 car w/ full bsmt all under $165k !

 


SOLD.


Amazingly Clean & ‘ Move-In Ready’ ~ It’s all been done! That’s right! Walk a couple blocks to downtown Flushing and all it has to offer. Across from the Early Learning Center, this short one-way street might be the quietest in town! The definition of clean, most everything new or upgraded since 2014: roof, windows, doors, HVAC, on demand water heater, 2 mini-splits for heat/ac zone use, tile baths, etc. Nothing to clean/ nothing to upgrade ~ its all done!


 ~ Lot’s of info at: http://326Hazelton.com

  • Request a showing here as my buyers get our ‘Stress Reduction Pack’, up to a *$1000 value!Anibal-Group-LLC-RealtyNetWorth-open-house-saturday-sign
    • For my buyers, *choose: home warranty, 1 year ‘mow n snow’ & 1040 income tax service!
  • Exterior.  ~ Entry Level.~ Lower Level.



Highest service, Quickest sale with the Best marketing of any office!

Our YOUTUBE Channel


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* Anibal Group LLC does not offer legal advice. This article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.

13213 Golden Ct, Fenton MI 48430, Lake Fenton Schools, Best maintained home in the area 3/2/2 full bsmt all under $250k !


We did 431 things to market this property….properly! Thinking of selling?  Like to see the list? ~ More Eyes/ More Time/ Best Outcome – very very different approach from ‘pics, sign n MLS’ others use.


Coming Soon, Open Sat 9/4 2-5pm ~ info at: http://13213Golden.com




Highest service, Quickest sale with the Best marketing of any office!

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* Anibal Group LLC does not offer legal advice. This article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.

SOLD: 129 N Corbin, Holly Schools, Holly MI Move-in condition 3/1/full bsmt under $165k !

Our ‘INDEPENDENCE DAY FINALE‘ explosion of up-front marketing created an acceptable offer with-in the first 3 hrs on the first day for $5k over ask. …… ‘take it from there‘ !


Coming Soon, 7/3, Open Sat 7/3 2-5pm ~ info at: http://129Corbin.com

  • My Client-buyers get our ‘Stress Reduction Pack’
  • up to a $999 value!
  • current year 1040 income tax service – no charge!
  • – PLUS yard care services for the rest of the season included FREE



Highest service, Quickest sale with the Best marketing of any office!

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* Anibal Group LLC does not offer legal advice. This article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.

ON MARKET: 129 N Corbin, Holly Schools, Holly MI Move-in condition 3/1/full bsmt under $165k !

Coming Soon, 7/3, Open Sat 7/3 2-5pm ~ info at: http://129Corbin.com

  • My Client-buyers get our ‘Stress Reduction Pack’
  • up to a $999 value!
  • current year 1040 income tax service – no charge!
  • – PLUS yard care services for the rest of the season included FREE



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* Anibal Group LLC does not offer legal advice. This article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.

ON MARKET: 26651 Elk Run, South Lyon MI schools, New Hudson MI spotless 3/3.5/2 under $300k !

Update – sold over ask in under 2 weeks.


Just Listed! Open TBD




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* Anibal Group LLC does not offer legal advice. This article is not to be considered advice specific to your situation. Most financial decisions should involve advice from a trusted professional of your choice that will advise on insurance, legal, banking/ lending, structural/ property condition, and other transaction significant matters. We can offer referrals for CPA’s and other professionals.

What kind of ‘Fixer Upper’ ROI is possible when we’re your Portfolio Brokerage Mentor?

How much can I make rehabbing homes?anibal-group-llc-realtynetworth.com-thenetworthlife_paul-ask-anything-appreciating-wealth-build

There are many different approaches. Are you in a high tax bracket and want appreciation, taxed and withdrawn at a future date (like retirement) and wish to accumulate rentals? Or, are you in a low tax bracket/ want maximum returns now/ hence ‘Flips’ make more sense? Looking at our charts, you’ll see cheaper homes are better suited for rentals, but all properties are usually better suited for ‘flipping’.

‘Flipping’ homes is not for the faint of heart, nor for a novice. The TV shows are for entertainment – turn them off. I’ve never watched even 1 episode and I’ve ‘flipped’ houses since 1981. Yes, I’ll be glad to share my entire portfolio results to date with you.

The vast majority of folks loose money on rehabs, making lots of cash for ‘wholesalers’. So how do I know when to use a professional ‘Portfolio Broker’ Mentor? (that would be us). Perhaps when said mentor has a track record going back to 1980 and will say “NO” more often then “MAYBE” OR “YES”.

Prefer ‘hands off’ approach? We ‘joint venture’ with clients – you bring $’s, I bring expertise, your principle comes out first, we split the balance at closing. (there is a formal agreement letter but that’s the short version).

For every property I recommend, there are about 25 that I tell the investor “NO” and then tell them why. I want this to be educational as well as profitable for you – it helps us both!

Anibals-Realty-Net-Worth_2016_EOY_JV_ROI

If you click thru on the link below this photo, you can compare with last year EOY results. There has been some year over year appreciation.

  • In this market, this will plateau and makes these ripe for selling to reinvest a better part of proceeds.

Anibals-Realty-Net-Worth_2016_EOY_RENTALS_ROI

VIEW IN PDF:  Rental and Flips ROI Calculations – EOY16

Rental and Flips ROI Calculations – EOY15

Active client of ours? Request a copy of the below spreadsheet to compare your investments year to year & within your portfolio. This can assist in planning ‘which to keep’ vs ‘which to cut loose’.

  • Non-clients: ‘Remote in’ installation & setup available, or stop in – you don’t even need to bring your laptop.

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This is not an offer of a guaranteed return. Always do your due diligence before investing.

Passing Your Home to Your Children.

When/ How/ If: I Should Deed My House to the Kids

There can be some benefits, but also drawbacks to both the gift giver and recipient(s).

(Speak to your accountant/ lawyer/ lender/ and insurance agent for specific advise – the following is excerpts from counsel received and not to take the place of paid advisers in their respective field of licensing.)Anibal-Group-RealtyNetWorth-Senior_Services_woman-elder-2

Some will:

  1. Add the child’s name onto the existing deed.
  2. Make an outright gifting over.
  3. Deed over but reserve a life estate.
  4. Will the property, i.e: a “transfer on death”.
  5. Others consider a revocable trust, irrevocable trust, or a family LLC.

#1, Possibly Tax Disaster.

  • Set up an office visit. There are good reasons, but often more bad reasons to use this strategy.

#2, Outright Gift.

  • Irrevocable, the parent loses control and legal right to stay in home. Perhaps the parents will rent back.
  • Ends the parent’s right to claim any preferences on property tax bills, e.g.: the homestead exemption, being blind or over 65, hardship/ low income exemptions.
  • This can dramatically increase property taxes.
  • If real estate transferred to a child is worth more than what was paid to purchase and improve it, then the child pays capital gain tax on the sale of the property. (The $250k/ $500k MFJ primary residence exemption is not applicable unless you own and live in the property).
  • Children’s (ex)spouse and creditors may have the ability to seize the property.
  • vs. Will at death.
    • If a parent’s Last Will and Testament leaves real estate to a child, parent can change their mind w/ a new will.
  • Additional Parent Considerations.
    • To remove the asset for Medicaid qualification, remember that a transfer of your real estate can make the parent ineligible for benefits for nursing home expenses, depending on when you enter the home. The length of time ineligible depends on the value of the real estate, whether it was transferred outright or retained as a life estate. Generally, its a five years look back.

A transfer of real estate is a “gift” and will no doubt require filing Tax Form 709 with the IRS.

#3, Gift with Retained Life Estate.

  • During life, the parent has the right to live in the property, and at death the life estate ends. Property transfer effectively at that time.
  • Some want to avoid probate after death, and possibly to avoid any court administration of their estate.
  • If the recipient child dies first, the child’s share in the real estate could pass to the deceased child’s spouse, rather than to the grandchildren.
    • vs a parent’s Last Will and Testament may provide that an inheritance would go to grandchildren if a child died before the parent.
  • The parent still loses a significant degree of control. If the parent sells the property, the proceeds belong to the parent and the child (remaindermen), split according to the percentage of ownership determined by IRS life-expectancy tables.
    • Capital gain tax would be owed by the child on his or her gains.
  • If the parent retains a life estate and the property is not sold before the parent dies, then under current law there would be no capital gain at the time of death because its cost basis is “stepped up” to the property’s market value on the date of death. This is a good thing for the recipient !
  • For Medicaid, the parent is deemed to own the entire interest in the real estate for five years after a deed execution retaining a life estate. They will also be the owner of the life estate interest thereafter, the value of which is calculated at the time of application for Medicaid.
  • RE: inheritance tax, the date-of-death value is taxable to the child – not lovely. But, the child gets a step-up in cost basis (easier if inherited at death in my opinion).

#4, Will the property.

  • Call the lawyer. Ok, now, plan for the child to do back flips on how much taxes you just saved him/her/them.

#5, The ‘entity’ approach.

  • The nuances will require coordinated input from your lawyer, CPA/ accountant, insurance agent, with some feedback from a real estate broker and your banker.

Bottom line.anibal-affiliates-realtynetworth_deeding-property-to-children-b

  • The when/ how to transfer should involve your accountant, lawyer, insurance agent, banker/lender at a minimum.

As I’ve told clients for decades: “You’re not dealing with a candy bar.”

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ROI Strategies for Real Estate ~ Cash now or cash later?

If you expect real estate should involve ROI, then there’s some basics to the outline.

  1. Acquisitions – some we have control, others not – e.g.: inheritance.
  2. Holding – short/ long/ entity/ self held/ purchase for child/ etc
  3. Approach: add value/ flip/ wholesale/ rent/ vacation/ family lease to/ residence with business inside

Most properties will be held for cash income OR appreciation. If you can get both, then neither will probably be optimal.

Regardless, upfront considerations must include:Anibal-Group-LLC-RealtyNetWorth-Senior_Services_woman-elder

  1. What you need from the property: income now or later (cash flow vs appreciation)
    • I look at these like ‘a job’ or
    • ‘retirement investment’
  2. I will invest more:
    • cash or
    • time & talent

So there will be many vehicles and considerations. SD IRAs, set up LLC, Corporation, etc. One of my favorite realizations is that PROFIT is usually made on the way into an investment in THE BUY. Further when you SELL, what can you/will you do with the funds ? Make sure you have another opportunity lined up if you liquidate a great rental. Make sense ?

‘Later’ is not the preferred time to plan.

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Local large city property taxes are often far over assessed. v2017.01.24

I’m updating this article.michigan real estate paul at anibal-group-llc-realtynetworth.com-thenetworthlife_paul-ask-anything_alloverusa

Below is the original posted 3 yrs ago. This has long been a problem. Why? While I can appreciated ‘work load’ as a reason, it eventually becomes and excuse if its not dealt with on the assessor/ local /state government end. Assessors by-pass state law &/or take advantage of their position to frustrate property owners into being unfairly over taxed. Via interviewing property owners and walking thru the process for clients, I witness first hand the ugly side of the process. I’ll not speculate to far on the gov’t employees side of this – you can figure it out for yourself – but what is the results of over taxation and undue burdens associated with ‘tax protests’ ?

Instability. Show me one neighborhood that prospers from having homeowners uprooted. Getting these properties properly and fairly assessed brings a long term increase in the value of an area. At that point, values and assessments can rightly follow. Why is this so a hard message for the local assessor and his boards of review to understand ?


Recent links:anibals-realtynetworth-realt-estate-brokerage-consulting-relocation-management-property-tax-protests



Original article from 2004 –

According the Detroit News, there is a large inequity from property to property. This is true in most large cities in MI. Further, the local board of review personnel often doesn’t know how to or refuses to assist you, the taxpayer they work for, in the process. The article leaves out important details of interpretation. Don’t assume the house you buy will change property taxes for the better – DO assume they will change with ownership change. We can chat further.

=========

Detroit— Detroit is over-assessing homes by an average of 65 percent, leading to higher tax bills, according to a Detroit News analysis of more than 4,000 appeal decisions over the past three years by a state board.


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Lead water in the pipes – since 1986

So much talk of lead in the drinking water in Flint MI these days. Well, I’ve owned 2 homes Great-plumbing-ideas-lead-in-water-flint-miin Flint. I have the same wisdom for those folks as anyone who buys a home built pre-1986.

I recall when I built a home, coincidentally in 1986, that I had to switch from a lead solder to a tin solder. It doesn’t flow the same. But, the point is, per “The Safe Drinking Water Act Amendments of 1986”, homes built before `86 tend to have lead joints so it makes sense to drink & cook with filtered or bottled water. I do.

The law prohibited use of lead solders, pipes, and flux in drinking water systems. Plumbing solder lead content was set at 0.20% maximum. ( previously 50/50 mix w/ tin). It also included wording to require states to enforce the provision.


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Rental house ROI & remodeling budgets

Jumping into investment real estate this year ? Good info with a Michigan Real Estate vacation cabin cottage for sale Anibal-Group-LLC-RealtyNetWorth All Over Michiganquick easy read, my basic criteria for useful information:

Here’s a huge oversimplification of the article links shown below:

ROI – your rent should be at least 1% of the purchase & set-up cost of your rental. e.g: You paid $85k to buy and rehab, it better rent for $850. Further, expect around 50% of the rent to be expenses (less if you have a mortgage).

My add to the thoughts: Annually evaluate your properties against each other AND against what else you could swap the lesser performing houses for. i.e: You can sell it for $200k/ it rents for $1250/mo., find another that will rent for the same that 1.costs less OR 2.costs the same but will rent for far more.

Renovations – Think practicality and ROI. Don’t go cheap for cheap sake and don’t over pay because its so snazzy. This is a business, not a glossy magazine.

My add to the thoughts: MANY. We’d need to sit down for this as each person, area, and property has different types of strengths and weaknesses. These need to be evaluated up-front BEFORE buying. I still believe that ‘the profit is made at the time of purchase’.



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Married folks note: ‘The Demise of Dower – State Bar of Michigan’

Every year I give feedback to people AFTER there has been a life changing event in their family. I strongly recommend that everyone who buys/ sells/ marries/ has children, etc, 13975257_547728985400158_1961526686294140869_o[1]seek a consultation asap with (at a minimum):

  1. Legal counselor
  2. Insurance agent
  3. Real estate/ tax consultant
  4. Estate planner

‘Dower rights’ have changed in MI. A widows automatic 1/3 interest in her husbands real estate will be altered in April of 2017.

Plan accordingly.

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Storms/ Trees/ Insurance/ Liability

As always, this is NOT to take the place of calling YOUR agent!


What happens if:who pays for trees falling on house Anibal Group LLC Realty Net Worth fenton linden holly byron michigan florida

  1. My tree falls on my house.
    • A: my insurance should pay
  2. ” and the ins.co. had asked I remove/trim it beforehand.
    • A: I pay
  3. My tree falls on neighbors property.
    • A: their insurance should pay
  4. ” and the tree was dead/ dying.
    • A: I was negligent, I will probably pay
  5. A neighbors tree fell on my house.
    • A: living tree – I/my insurance pays, dead/dying – they/their insurance pays.

You already know that no matter what you asap inform your insurance company with “notice of an event which could give rise to a claim”, even if you’re sure there will be none. Why? You are not the insurance expert AND you don’t know what the future holds. Contact them now.

Basic point: Check your yard for hazards, check with your agent for coverage gaps.


These are short answers.  Again, you are best advised to at a minimum QnA your: Insurable risks professional, accountant, lender/banker, realty professional, legal adviser when changes happen or are anticipated.

If you’d like me to assist further, contact me w/any questions or comments. Recall, using anyone in my referral network qualifies for reimbursed services (FREE) on your next buy/sell activity.

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Please seek you own professional legal, tax, real estate, and insurance advice – not to the reliance of this article.


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copyright Anibal Group LLC 2024 all rights reserved

Great Car Enthusiast Garages – ‘with attached house’ !

Are you one of Michigan’s thousands of ‘car persons’ ? I’ve brokered for 3 decades and owned many classics myself.

If you’re a local, you’ve seen my office just down the street from Boomers Shark Club, home of the famous huge weekly car cruise-ins, or the Dream Cruise in Flint, or the Fenton Dream Cruise ‘tune-up’, or even in Brighton MI (below). If you’re a dealer, you’ve seen me all over the country at dealer auctions searching out sweet unique rides for clients.

anibal-affiliates-realty-net-worth-greatcarcaves-car-show-brighton-michigan

As a local 30+ year real estate broker with loyal clientele & lots of hands on construction & car experience, I’m also great source of hot rod & other car related referrals.

Let me walk you thru your Buy/Sell situation knowing the value of a Great Car Space !


Bonus: Here’s some exceptional adaptive use spaces for Great Car Caves, Showcase Garages, Wrencher Spaces, and Daily Driver Comfort Zones. How do you rate them ?

My dedicated webspace for car lovers ! Great Car Caves – custom garage spaces in MI and FL



 

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For your friend at a time of loss.

Remember when you first realized you need ‘something more to offer’ when friends are at a hard time ? I remember well. I felt empty that I didn’t have deeper compassion for a grieving neighbor at a time of traumatic loss in the family. It was time to turn off the entertainment and read.real estate agent broker screening referral advocacy paul anibal seniors and veterans specialist__michigan_to_florida_california-to-maine

Here is a nice starter list for you to develop deeper empathy and your loved one. I especially like C S Lewis books. He experienced an early loss of a spouse married late in life, a compassionate deep thinker who is easy to follow.

15 Grief And Loss Books To Help You In Your Healing Journey

I guess the ever growing family counseling library I have is why I’ll sometimes call myself ‘your financial therapist’. If a loss was yours, “….what you are feeling is normal, and you are not alone.”

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When to use a real estate lawyer

Well, anytime you want to is the short answer.

feedback_thinkAboutIt

Further, most brokered transactions involve standard forms that have been drafted by lawyers. These are the same lawyers that produce materials and workshops the local attorney uses as reference. So do you need a lawyer ?

There are certain client situations that I’ll simply not move forward until and unless my customer/client consults with legal counsel. For privacy concerns I’ll not discuss them here but will chat in general terms with you and share more information to help you in your decision.

One local ‘go to’ real estate attorney I’ve used over the years is (request contact info). More oft than not, I’ll be part of the initial meeting to assist my client in clarifying what we are dealing with.

Working with the same professional over time creates a ‘default’ set of assumptions each have w/ the other, meetings tend to begin at a more advanced point. Its often optimal if

CL_ad_mug

you can pick pros that are slightly older than yourself – they will tend to be in a stage of life that you are about to be in.


(Speak to your accountant/ lawyer/ lender/ and insurance agent for specific advise – the following is excerpts from counsel received and not to take the place of paid advisers in their respective field of licensing.)

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Like Chip & Joanna Gaines of Fixer Upper, remember to seek wise counsel.

Investing in property ?Anibal-Group-LLC-RealtyNetWorth
Like Chip & Joanna Gaines of Fixer Upper, I recommend you seek wise counsel ‘and all these things shall be added unto you’ says Biblical scripture.

When there is more that 1 person as part of the buyer / seller / ownership  package, I take just as seriously the ‘non-financial aspects’ of the transaction. A move is a top stress item per every counseling material you read and study. Since its part of my business, I’ve studied family counseling materials for decades, taken counseling workshops (outside of my profession) and consumed countless hours of programming relating to, well, relating.

I think these kids have it right in the interview link. When the purpose is shared jointly and above either of you, the ‘team’ approach brings you together, not in competition with each other.



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