Orovalley Homeowner Magazine - Sarah J Sowders by Homeowner Magazine

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Welcome

I hope that 2024 finds you healthier, wealthier and happier than ever before. As your trusted source for everything real estate, I am excited to introduce this issue’s REALTOR Spotlight Feature. We have several real estate related and community articles included in this issue for your reading pleasure. Please enjoy our other articles on commercial real estate and mortgage lending. Cheers,

Bryan Johnson Publisher/CEO

Copyright ©2024 Homeowner Magazine is published 12 issues yearly. All rights reserved. Reproduction of whole or part of any text, photograph or illustration without written consent from the publisher is strictly prohibited. The opinions expressed in this publication are those of the authors and do not necessarily reflect the views of Homeowner Magazine. For information on advertising, editorial, or general inquiries call 480.295.9050.

Interested in Investing in your future?

The future is real estate!

nvesting in real estate has long been considered a wise financial move, and purchasing an investment property is a strategic way to build wealth over time. Whether you’re a seasoned investor or a first-time buyer, the benefits of acquiring an investment property are numerous and far-reaching. In this article, we’ll explore the key advantages that come with this real estate investment strategy.

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Steady Rental Income: One of the most appealing aspects of owning an investment property is the potential for a steady stream of rental income. By leasing out your property to tenants, you can generate regular cash flow that can contribute to covering mortgage payments, property management fees, and other expenses. This income not only provides financial stability but also helps build equity in the property over time. Appreciation and Long-Term Growth: Real estate has historically shown a tendency to appreciate over the long term. While there may be short-term fluctuations, the overall trend tends to be upward. This means that the value of your investment property is likely to increase over time, providing you with potential capital gains when you decide to sell. This long-term growth can significantly contribute to your overall financial portfolio. Tax Advantages: Purchasing an investment property opens the door to various tax advantages. Many expenses related to property ownership, such as mortgage interest, property taxes, insurance, and maintenance costs, can be deducted from your taxable income. Additionally, if you hold onto the property for an extended period, you may benefit from favorable capital gains tax treatment. Diversification of Investment Portfolio: Diversifying your investment portfolio is a key principle of sound financial planning. Real estate, especially investment properties, provides an excellent way to diversify beyond traditional assets like stocks and bonds. This diversification helps reduce risk and adds stability to your overall investment strategy. Inflation Hedge: Real estate is often considered a natural hedge against inflation. As the cost of living rises, so do property values and rental income. This means that your investment property can potentially provide a safeguard against the eroding effects of inflation on the value of money over time.

Equity Building: With each mortgage payment, you are not only covering the cost of the property but also building equity. This equity can be leveraged for future real estate investments or other financial needs. Additionally, property values tend to increase over time, contributing further to the growth of your equity. Control and Flexibility: Unlike some other investment options, owning an investment property provides a significant level of control. You have the ability to make decisions regarding property management, renovations, and improvements that can positively impact the property’s value and income potential. This level of control can be empowering for investors looking to actively manage their assets. Retirement Planning: Investing in real estate, particularly through an investment property, can play a crucial role in retirement planning. The rental income generated from the property can serve as a reliable source of funds during retirement, offering financial security and peace of mind. In conclusion, purchasing an investment property offers a myriad of benefits that extend beyond just financial returns. From steady rental income to tax advantages and long-term growth potential, real estate investment can be a powerful wealth-building tool. However, it’s essential to conduct thorough research, assess your risk tolerance, and work with professionals to make informed decisions that align with your financial goals.

Contact me today to review your options!

Other conditions and restrictions may apply. Rates and available loan programs are subject to change without notice. Contact your loan officer for more information.

Radon Action Month and Your Home The American Lung Association in Arizona advocates for clean air and healthy lungs, and for 120 years has been committed to saving lives by improving lung health and preventing lung disease through education, advocacy and research. Throughout January’s National Radon Action Month, the Lung Association urges everyone to test their homes for radon and mitigating if high levels are detected. Often called an “invisible killer,” radon is an odorless, colorless, and tasteless gas that is harmful to people’s health. Radon comes naturally from the ground, and it can enter and become trapped inside any building without warning, posing a significant risk to all inhabitants. It is responsible for an estimated 21,000 lung cancer deaths every year and is the second leading cause of lung cancer. Fortunately, testing for and mitigating high radon levels are quick, easy and can save residents’ lives.

As your clients consider purchasing a new home, there are a few simple guidelines to help ensure they are safe from radon.

Take Radon Seriously

Radon causes lung cancer. Dangerous levels of radon can be in any home. Seeking out information about radon levels in the home during a real estate transaction is one of the easiest and most effective ways to protect people from this danger.

2. Advocate for Radon Testing The only way to know if radon poses a risk is to test one’s home or building—a simple action that is easy to include during a routine home or building inspection. Testing homes for radon is easy, quick and can be part of a regular home inspection. Qualified professionals can complete short-term testing in as little as 48 hours for about $100 to $250.

3. Mitigation Most radon problems can be mitigated quickly. In the U.S., mitigation costs usually range between $1,000 and $2,500 – similar to other common home repairs. However, the cost for mitigation can vary, based on the foundation type of the home and market factors. The best way to limit liability and protect yourself is to treat radon like other home defects by recognizing it early in the process, and by relying on qualified service providers. Educating your clients about the negative impacts of radon is essential to giving them the full picture and providing a safe transition into their new home. To learn more about radon and how to best educate clients throughout a transaction, visit Lung.org/radon. For more information, please contact: Terri Bowen Development Director, American Lung Association in Arizona 602-429-0008 Terri.Bowen@Lung.org Elizabeth Walton, CFRE Executive Director, American Lung Association in Arizona 602-429-0009 Elizabeth.Walton@Lung.org

The Lung Force Walk Returns to Tucson on May 4, 2024! Learn more at LungForce.org/Tucson

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An insurance quote, review or a referral will get you $10 Visa Gift Card We’re here to help protect families and help them prepare for the future. And we want to give you a little something for your time. Here’s all you need to know: • Contact us for a home insurance quote or review • Receive $10 Visa Gift Card • This promotion ends 12/31/2024, so contact us today!

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Top Ten Ways to Prepare for Retirement Saving for retirement. What works best? If you said, “winning the lottery” or “inheriting money,” you’re missing the big picture. While it might be fun to dream, the only sure way to have enough money to live comfortably throughout your retirement is to have a plan and follow it through. No matter what your income level, you can maximize your retirement nest egg by following a few simple principles.

1 Have an emergency fund.

3 Develop an investment strategy and stick

Life is full of surprises – some good and some not-so-good. Because you know that an unexpected expense will pop up, having a fund established to pay for it will help you avoid the temptation to tap your retirement accounts—a real setback on your future.

2 Adjust your spending habits so you can

invest more in your future.

Pay close attention to your cash flow – and carefully consider those “small treats” you give yourself throughout the month. Investing those dollars instead can really add up. You could have this much saved after

If you can trim spending by:

5 years

10 years

20 years

40 years

$10/week

$3,023

$7,101

$20,020

$86,296

$15/week

$4,535

$10,652

$30,033

$129,447

This is a hypothetical example used for illustrative purposes only. It assumes amounts are invested monthly, an average annual total return of 6%, and monthly compounding. It does not represent the result of any particular investment. Your results will be different. Amounts are rounded to the nearest dollar.

with it.

No matter what the economy, investing is important for your future financial security. Develop an investment strategy that’s appropriate for you—one based on your tolerance for market risk and the amount of time before you need the money. No matter which investment strategy you choose, diversify your investments. Spreading your investments among numerous securities may help reduce your risk. If one security loses value, the others in your portfolio may cushion the loss.* Once you have an investment strategy, stick with it. You probably chose it based on logic; don’t make changes to it based on emotion.

4 Pay yourself first. If you’re like many, you pay your bills first, enjoy some spending money, and promise to fund your retirement if anything’s left over. With the “pay yourself first” principle, you fund your retirement first, pay your bills next, and then spend a little on yourself with what’s left. * Diversification and asset allocation do not ensure a profit nor guarantee against loss.

Here’s how to make it easy: Have your retirement contributions automatically deferred into an account. You don’t have to think about whether you can afford to make a contribution. You don’t have to go to the trouble of writing a check or transferring funds. And you don’t have to make investment decisions every time because your contributions are automatically invested according to your instructions.

5 Save as much as you can as soon as

you can.

When retirement is a long way off, it may be hard to put money toward it if there are bills to pay, kids’ college expenses to plan for, and a mortgage to pay off. But by the time you’re ready to save for retirement, you may not have enough time to accumulate the money you’ll need. By waiting, you’ll miss out on years of contributions and potential compounded growth. A better strategy is to prioritize your financial goals and design a plan to meet them. But keep in mind that you’ll probably need a lot more to fund a comfortable retirement than you will for any other items in your life.

6 Don’t dip into your retirement savings. Dipping into your retirement nest egg can move you backwards. You’ll lose principal and interest, and you may lose tax benefits and/or have to pay a withdrawal penalty. Job Change – Don’t be tempted to cash out your 401(k) if you change jobs. Either leave the money where it is, move it to your new employer (if allowed) or roll it into an IRA. Loans – Not only do you lose potential tax-deferred growth and compounding, retirement account loans have other consequences. Retirement loan repayments aren’t pretax. You’ll pay income taxes on the earnings you use to repay the loan and then pay taxes again in the year you receive taxable distributions of the repaid amount from your account.

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7 Learn basic investment principles. Some things never change: The prices of stocks and bonds will rise on some days and fall on others, and inflation will always be around. Understanding basic investment principles about the power of compounding, asset allocation and diversification,* risk versus return, etc. can help you better manage your retirement investments.

8 Plan to live a long time. Statistically, you’ll probably live at least 20 years in retirement, although with medical advances, you could live much longer. That can impact your retirement. Don’t simply plan to work longer since 49% of surveyed retirees retired sooner than planned.** That being the case, investing as much as you possibly can and investing it wisely are good strategies.

9 Get help from a financial expert. A COUNTRY Trust Bank® Financial Advisor can build a financial plan that helps you reach your retirement goals. They’ll build a step-by-step plan that will give you peace of mind knowing you’re on the way to reaching your retirement goals.

10 Ask questions. While these tips are meant to point you in the right direction, we know that retirement planning and investing aren’t easy for most people. Be sure to ask questions and make sure you understand the answers before you make any decisions about this important aspect of your financial security. ** Employee Benefit Research Institute, March 2014.

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