Jamie Dee Frontiero - Coldwell Banker Residential Brokerage



Posted by Jamie Dee Frontiero on 11/11/2018

Depending on how many years you’ve been working, retirement can seem like it’s too far in the future to worry about or too close to be able to effectively make any real change.

 However, retirement is about more than doing the math and investment planning. Retirement includes making several life decisions, and considering things you may not have thought of before.

 In this article, we’re going to talk about planning aspects of your retirement including your home and assets, your savings and investments, and setting and achieving goals for yourself.

Pay yourself first

If it feels like your paycheck is spent before you get a chance to set any aside each week, you’re not alone. However, it’s never too late to start setting aside money for retirement. The “pay yourself first” theory states that you should set aside a certain amount for bills, savings, and retirement plans before you spend a dime of your paycheck each week.

The easiest way to achieve this is to take advantage of an employer-based contribution matching program such as a 401K. However, if you are self-employed you can still open up an individual retirement account (IRA) or a Solo 401K. With an IRA, you determine where you want to invest your money, and can choose safer or riskier investments based on your own preferences.

Draw up your plan, literally

There’s no better way to start planning than to actually sit down with a notebook or your computer and start figuring out what you want to save and how you want to achieve those savings.

You’ll want to determine how much money you can accrue in your savings account, estimate the price of your assets and properties, and look at the projected return on investment for any IRAs or 401Ks you have in place.

As you likely know, these numbers are all projections. There’s no way to know for sure how much your home will be worth, or how well your investments will do by the time you’re ready to retire.

So, one of the most important aspects of making this checklist is to return to it yearly to determine if you should change your investments or alter your retirement goals.

Determine your lifestyle needs

Whether you have dreams of settling down in a quiet town for retirement, touring the country in an RV, or traveling the world, you’ll need to find out how you can make it possible on your retirement plan.

You and your spouse will need to sit down and draw up a plan for your mutual retirement goals. Determine which expenses you can do away with in retirement so that you can fulfill other goals. Having these conversations now will help you more effectively plan for the future. And, remember that the time of your retirement is always closer than you think.  




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Posted by Jamie Dee Frontiero on 11/4/2018

Refinancing your home can have many benefits. First, you’ll be able to take out money to address immediate needs in your home like improvement projects. These things can only benefit your home’s value in the long term. Before you take the leap to refinance your home, you should be sure that you’re actually ready to take this step. Knowing what you’re in for allows the entire process to go more smoothly. Read on for tip to understand more about the refinancing process and what you’ll need.


Know Your Finances


Just like when you initially purchase a home, refinancing your home will require you to have your finances in order. Take a look at your budget and needs and determine if it makes sense for you to refinance your home. For example, your employment status or distance from life goals like retirement could have a factor on the term of the loan you’re willing to take out. A 15-year mortgage may make more sense than a 30-year mortgage, but your monthly payments will also be a bit higher. You need to take all of this into consideration before you refinance. 


Your credit score will also be a factor in refinancing your home just as it was when you initially bought your house. Check your score and see if any red flags pop up. Getting these corrected earlier rather than later can help you to get a better rate on the loan. There are plenty of free services that exist online that allow you to check your credit score.   


Know The Value Of Your Home


If you know the value of your home and understand how much equity you’ve built up in the house, it will give you a better idea of your refinancing options. You can’t get more than 70% of what your home is currently worth as a cash-out refinance. If you owe more than your home is worth, you might be in a tighter financial situation than you realize. You can do plenty of things to increase the value of your home; it will just take some time. You may even consider selling your house, making a move, and starting from scratch. Financially, this could be the best option, and you could also end up with a better interest rate.


Getting your finances in order and the simple act of preparing for a home refinance could give you some insight into your financial picture after being a homeowner for some time.


Stay out of debt. Don’t open new accounts. Pay down any debt you may have. That is the standard advice for people who are trying to get in good financial standing before buying a home or refinancing a home. 


Do some research and find the best home loan refinance rates around. Then, look into your own finances and decide what’s best for you regarding refinancing your home loan.      





Tags: Mortgage   refinancing  
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Posted by Jamie Dee Frontiero on 10/31/2018

This Single-Family in Haverhill, MA recently sold for $320,000. This Ranch,Bungalow style home was sold by Jamie Dee Frontiero - Coldwell Banker Residential Brokerage.


89 Goodale St, Haverhill, MA 01830

Winnekenni Park

Single-Family

$310,000
Price
$320,000
Sale Price

7
Rooms
3
Beds
1/1
Full/Half Baths
Great Starter Home. Welcome to the Winnekenni Park area. Nestled along an interior cul-de-sac (not far from Plug's Pond & Kenoza Lake) this 2-3 Bedroom Ranch makes for a ! This tidy bungalow offers a flexible living plan & smart updates like NEWER SIDING, ROOFS & WINDOWS! Once inside, this cozy home boasts an open concept kitchen/dining area complete w/ updated cabinets, newer appliances & lots of counter space.This sunny area provides access to a two-tiered deck out back as well as a sight line into the living room, nicely adorned w/ hardwood floors & natural light. Down the hall you'll find a main full bath & 2 cozy bedrooms. In addition to one-level living upstairs this house also has a Remodeled Lower Level which provides the 3rd Bedroom/Office option, a half bath, laundry room & a fabulous family area complete w/ pellet stove & a walk-out slider to the spacious back yard. This home continues to plz w/ a basement for storage & a workshop/shed!

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Categories: Sold Homes  


Posted by Jamie Dee Frontiero on 10/28/2018

The real estate market can be tough to navigate, especially if you want to obtain the best price for your house. Fortunately, we're here to help you analyze the housing sector and make informed decisions as you sell your residence.

Now, let's take a look at three tips to help you review the real estate market before you list your home.

1. Assess Housing Market Data

Learn about the prices of available houses in your city or town that are similar to your own residence. That way, you can establish a price range for your house.

Furthermore, it often is beneficial to check out the prices of recently sold residences in your area. This real estate market data will enable you to see how quickly houses are available before they sell. As such, this information may help you differentiate a buyer's market from a seller's market.

2. Conduct a House Inspection

A home inspection generally is reserved for buyers who request an inspection after a property seller accepts an offer to purchase. However, taking a proactive approach to a home inspection may go a long way toward helping you distinguish your residence from others in a competitive housing market.

During a home inspection, a property expert will examine your residence both inside and outside. This property expert then will offer an inspection report that details his or her findings. And once you have this report, you can prioritize home repairs.

Ultimately, a home inspection may help you take an objective view of your residence. After you conduct an inspection, you can complete home repairs that may help you boost your house's value as well.

3. Consult with a Real Estate Agent

If you are struggling to understand how the housing market works, there is no need to worry. In fact, you can collaborate with a real estate agent and receive housing market insights that you may struggle to obtain elsewhere.

Typically, a real estate agent will meet with you and help you map out a home selling strategy. This plan will account for the age and condition of your home, your home selling goals and the current state of the real estate market. As a result, your home selling strategy will enable you to achieve the optimal results at each stage of the home selling journey.

Let's not forget about the assistance that a real estate agent will provide as you navigate the home selling journey, either. A real estate agent will set up home showings and open house events to promote your residence to prospective buyers. Also, if you receive an offer to purchase your residence, a real estate agent will help you review this proposal and determine the best course of action.

Perform a deep analysis of the housing market before you list your residence – you'll be happy you did. By reviewing the real estate sector, you can find unique ways to ensure your house stands out to potential buyers and accelerate the home selling journey.




Categories: Uncategorized  


Posted by Jamie Dee Frontiero on 10/27/2018

This Single-Family in Peabody, MA recently sold for $390,000. This Ranch style home was sold by Jamie Dee Frontiero - Coldwell Banker Residential Brokerage.


9 Roland Rd, Peabody, MA 01960

Single-Family

$394,900
Price
$390,000
Sale Price

6
Rooms
3
Beds
1
Baths
Seize this rare opportunity to own an amazing 3 bedroom home in the highly desirable GARDNER PARK. This SUN-SPLASHED move-in-ready ranch with finished lower level is conveniently located near shopping, restaurants & public transportation. Highlights include a completely renovated full bathroom & modern eat-in-kitchen with GRANITE COUNTERTOPS, custom cabinets & stainless steel appliances. Plenty of space to watch the game in the oversized family room in finished lower level. Set on a gorgeous lot with plenty of CURB APPEAL, this home features a great fenced in backyard with a good sized deck, perfect for enjoying your morning coffee while overlooking your professionally landscaped yard. Other recent updates include a NEW ROOF & hot water heater. Gleaming HARDWOOD FLOORS throughout. Pride of ownership shows in this lovingly cared for home, just waiting for a new family to make it their own.

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Categories: Sold Homes