September, 15, 2022 REALESTATE WEEKLY Your best source for weekly real estate news and listings for Stillwater and surrounding communities Weekly Features: • About Real Estate • Open House Map News PressStillwater Visit our web site at » Classifieds » Real Estate Weekly to download the current PDF edition and see participating Realtors. To advertise your home in Real Estate Weekly, call (405) 372-5000. stwnewspress.com “Bringing Buyers and Sellers Together Professionally” Real Estate Professionals www.stw-realestatepros.com405-372-5151 Mortgage rates continued inching up this week, nearing a threshold that would bring the average American household to a financial tipping point. 5.66% $795,000 2620 S Black Oak $205,000 1716 Fairfield Dr. $249,000 4518 Jenna Ln $263,500 2915 W 18th SundayOpenHouse1-2:30p.m.
holiday decorations for the erforin-lawdaughterpaymentsinmandlendermortgage,formakecationtheiryes.youranswermentourforcecanAlso,themco-signingforwillingrecord,apayment,giveenoughandAlthoughtheirareandOurDEARwinter.•••DAVE:daughterson-in-lawtryingtobuyfirsthome.mywifeIdon’thavecashtothemadownwehaveperfectcreditandwearetoco-signtheirloan.Willhelpverymuch?ifweco-sign,thelenderustomakedaughter’spayifshecan’t?ANSWER:Thetobothofquestionsis,Co-signingloanappliwillindeediteasierthemtogetabutthealsocandethatyoustepandmaketheifyourandson-donot.Whenyouco-signaloan--whethit’sforanew
Federal law prevents lenders from demanding that a mortgage be repaid in a lump sum after a divorce or the death of a spouse.DEAR DAVE: My wife passed away a month ago after a long illness, but I would like to stay in our home because it has so many great mem ories and I can easily make the monthly payments from my Social Se curity benefits and pension.Webought our house 11 years ago, with a loan that was in both of our names. If the bank finds out that my wife has passed, could it demand that the house be sold or the loan balance be imme diately paid in a lumpANSWER:sum? I’m sorry about the loss of your loved one. Though it’s lenderanlatoryInstitutionsmaineralimmediately.ingthatloanforeclosingaboutdon’tconsolation,littleyouhavetoworrythebankontheordemandingitsoutstandbalancebepaidUnderthefedGarn-St.GerDepositoryReguActof1982,institutionalcannotde
(c)2022
BARBARA HOUCK -REALTOR® -747-8804 KENT HOUCK -REALTOR® -372-7060 JOHN GAGE -REALTOR®
mand that a mort gage be paid off in a lump sum simply because a spouse or other co-borrower dies.This means you will be OK, as long you continue to make the monthly payments on the loan that you and your wife obtained more than a decade ago.The bank can’t force you to pay the mortgage off in a lump sum unless you fall behind on the payments, sell the property or re finance.Thissame law applies to couples who get divorced and one of the spouses trans fers interest in the family home to the other. The bank can’t “call in” the outstand ing balance of the mortgage in a lump sum unless the person who gets title to the house later ersstuffbeforeventorytheirtailersexpertstheirandoutdoorbestberTRIVIA:REALdefaults.•••ESTATESeptemusuallyisthemonthtogetfurniturebarbequesatlowestprice,say,asretrytodumpsummerinofgoodsorderinglikeleafblowforthefallor
Serving StillwaterSince1950 BARBARA HOUCK BROKER/OWNER,GRI 30+ years of experience 372-5343 x130 www.houckagency.com •8MAIN PLACE/Ste. 2•DOWNTOWN STILLWATER INSURANCE AND REAL ESTATE y BarbaraTo INSURANCE AND REAL ESTATE y Call Barbar NEW LISTING 1211 N SKYLINE 3 BD / 2.5 BA / 2 car attached garage on 1.1 acres in the NE area of Stillwater The custom built home has many extras office/study with shelving, basement, sunroom with east exposure with Pella windows, family room, living room and dining room. Big, shaded backyard with a patio and a 16x20 shop with concrete floor $329,500 Call Barbara Today! Rhonda Plake CRS, GRI, MRP Broker 405-385-2478 HEARTLAND REALTY 5111 SDeer Trail, Stillwater 3Bed /2Bath $600,000 If your arelooking for aqualityhome, on almost 4.5 acres, closetotown andoutside city limits, here it is! This beautiful custombuilt home will please youassoonasyou walk in thedoor! OPEN HOUSE Sunday •1pm-3pm
ANSWER: No. The Internal Rev enue Service does not require investorsrental-propertyhomeownersmostandtofilea
your daughter and son-in-law can’t make sidertothatshouldhome.orgarnishandmaketohavedo),couples50%aeventuallyments.mortgageyoubankoffpectedlyson-in-lawyourconsequences.aboutoutspring’sco-signManythem.parentsforanoffloanwithfirstthinkingthepotentialIfdaughterorunexgetslaidorfired,thecanforcetomakethepayAndiftheyfilefordivorce(asaboutofmarriedeventuallythelenderwillalegalrightinsistthatyouthepaymentsperhapsevenyourwagesforecloseonyourYourdaughterbethankfulyou’rewillingco-sign,butconsuchissues
before you and your spouse sign on the dotted DEAR•••line.DAVE: If we form the type of living trust that you recently wrote about, and trans ferred our home and rental property into it, would we also have to get a special checking ac count for the trust and file a separate tax return for it?
car, furniture or a house -- you’re ba sically transferring your own borrow ing power to some one else. A lender might reject an application based solely on your daughter and sonin-law’s income and credit history, but approve the loan if you’re willing to cosign, because you have such a ster ling credit record. But, by co-signing the loan, you are agreeing to make the monthly mort gage payments if
separate tax return for their trusts. No special bonus.ingtionalfactbatelonggoingheirsquicklypropertyintoandandsiveformeither.accountcheckingisneeded,Mostownersaninexpenlivingtrustputtheirhomeotherassetsitsothatthecanpasstotheirinsteadofthroughtheandcostlyproprocess.Thethatnoaddirecord-keepisneededisa SyndicateCowlesInc.
REALABOUTESTATE
DAVID MYERS -612-6068
Homeowners have loan protection after death or divorce of spouse
2 September•PressNewsStillwaterThursday,15,2022
I’ve been getting several reports of small mounds of soil appearing in lawns, around trees and in bare soil spots. The typical report is multiple mounds two to four inches in killersindicates,tolacksgressive,killerThesogenerallycanfemaleEvenusuallyatquitea(aboutverycicadaincommonitytypecanplewithout.butholesometimesdiameter,withainthecentersometimesThereareacouofinsectsthatcreatethisofsoilactivbutthemostcausethefallisthekiller.Thislargewaspaninchandhalflong),whileintimidatingfirstglance,isharmless.thoughthecicadakillerstingpeople,itonlydoeswhenprovoked.malecicadaismoreagbutitthecapacitysting.Asthenamecicadadokilland
Scotthaven Addition Only 1 lot left in this beautiful subdivision $65,000 Donna 1511 S Boulder Creek Beautiful Corner Lot with trees in Boulder Creek $62,500 Tiffany 1400 N Perkins Rd Apt F43 3 Bed 1.5 Bath, 1,260 sq ft, TOWNHOUSE $65,000 Kyle Roka Hidden Lake 14 beautiful lots on the nor th side $52,000-$79,000 Lori K. 299 S Drury Ln 7.13 acres in Stillwater close to Schools $107,000 Donna 220 SW 1st Perkins 7 cit y lots with endless possibilities $120,000 Lori K. 24101 1/2 CR 230, Morrison 2 bed, 1 bath, 1.5-acres m/l, farmhouse $120,000 Dolores/Tiffany 1818 W 68th 8.33-acres west of Hwy 177 & 68th $175,000 Lori K. 1015 W McMur try Rd. 2 bed, 2 bath, 1,508 sq. ft Updated $180,000 Montie 1716 Fairfield Dr. 4 bed, 3 bath, 2-car garage, 1.5-stories, 2,191 sq. ft $205,000 Montie 123 N Grandview 3 bed, 2 bath, 2-car garage, 1,547 sq. ft $210,000 Lori K. 4518 Jenna Ln. 3 bed, 2 bath, 1519 sq. ft NEW CONSTRUCTION $249,900 Lor i K. 913 & 913 1/2 W 10th Close to OSU Campus / Washington St. $270,000 Tiffany 2915 W 18th 3 Bed 2 Bath 2 Car Garage 1,880 Sq ft $263,500 Tiffany 514 E Copper Canyon, Aver $285,000 $296,50 $268,000
Horticulture Edu cator in the Payne County Extension office. Laura can be reached via email at water.315office,Countyperson405-747-8320,state.edu,laura.payne@okphoneatorinatthePayneExtensionlocatedatW.6thinStill
3 bed, 2 bath, 2-car garage, 2,027 sq. ft
RESIDENTIAL
LAURA PAYNE
et. Crickets are generally just a nuisance so control measures are not suggested. The best a homeowner can do is to keep out door lighting to a minimum around building entries. It may also help to keep dead crickets swept up as it is
thought that the swarm tends to build on itself as the cricket’s search for mating partners near the end of their life cycle. For more infor mation on this or any other hor ticultural topic, you can contact Laura Payne, the
feed on cicadas. The mounds are created from the soil that was re moved to create a burrow. The cicada killer then uses this burrow as a home to lay its eggs. The cicada killer places the dead cicada in the burrow to provide a food source for the newly hatching waspUnderlarvae.most cir cumstances, control of these insects is not suggested since they are rarely a problem for hu mans and cause no disruption to our food supply. How ever, if for some reason they pose a threat and control is needed, almost any wasp control product will work. Individual mounds can also be treated with dusts labeled for wasp control. As with any pesticide, read the label and follow
GROWNHOME
calls on this time of year is the crick
I’vecarefully.directionsAnotherinsectbeengetting
Seize the Day (405) 372-5000 • 211 W. 9th From local news to coupons and shopping deals, make the most of your day with
Ann 621 Lynn Ln. 4 bed, 3 bath, 1,965 sq. ft $268,000 Tiffany 3821-3823 N Monroe DUPLEX, 2 bed, 2 bath, 968 sq. ft Move In Ready
0 Lori K. 3821-3823 N Monroe 4 bed, 3 bath, 2-car garage, 1965 sq. ft
Small mounds in landscape
Thursday•PressNewsStillwater,September15,2022 3
Tiffany 605 E. Kinder Wells Blvd. New Construction 3 bed, 2 bath, 1973 sq. ft $307,900 Lori K. 533 E. Kinder Wells Blvd. New Construction 3 bed, 2 bath, 1973 sq. ft $307,900 Lori K. 7708 Pickles Gap New Construction 3 Bed 2 Bath, 1950 sq ft $319,550 Lor i K. 424 S. Orchard 5 bed, 4 bath, 2-car garage, 2,612 sq. ft., close to schools $345,000 Amy 2423 Black Oak Dr 4 bed, 3 bath, 3181 sq. ft $417,500 Lori K. 24201 Harvest Rd. 40 acres w/3 bar ns & Utilities Ready for your dreams home $425,000 Lori K. 1410 S Savannah Dr 4 bed, 3 full bath, media room, Berr y Creek $450,000 Tiffany 1213 S Council Vl 5 bed, 2.5 bath, 1,932 sq. ft., 26-acres m/l, shop & stor m shelter $450,000 Lori K. 7815 Rebecca St. New Construction 4 bed, 3.5 bath, 3-car garage, 2,726 sq. ft $489,500 Lor i K. 4717 Turtle Pond Ct. 4 bed, 2.5 bath, 2-car garage, 1/2-acre wooded lot $563,500 Tiffany 704 W Yost Rd. 6 bed, 3.5 bath, 3-car garage, 4,449 sq. ft New Constr uction $719,900 Ann 2620 S Black Oak Dr. - “One-of-a-Kind” Georgian, 4 bed, 3.5 bath, 3-car garage, 4,813 sq. ft $850,000 Donna 6211 Pearl Snap Trail 4 bed, 3.5 bath, 3,241 sq. ft., 10-acres m/l w/outbuildings $850,000 Lori K. 29601 CR 180 - 4 bed, 2 bath, 2,245 sq. ft., 75-acres m/l $950,000 Tiffany 20 01 N Jardot 40+ acres in a prime location $1,000,000 Lor i K. OPEN HOUSE: 2915 W 18th 1pm-2:30pm Sunday Sept 18 - Tiffany Aranda COMMERCIAL 1218 W 12th Location, location. Commercial lot $235,000 Ann 115 E 80th St. Nice large office on 2-acres m/l $950,000 Lori K. 203 E 80th St. Nice large office on 3-acres m/l $1,200,000 Lor i K. 1740-1760 W Lakeview UPSCALE OFFICE SPACE $1,400,000 Dolores/Tiffany 3215 S Boomer Rd. Nice commercial building for sale $2,245,000 Tiffany 101 E 80th St. Commercial building and shop on 11.5-acres $4,000,000 Lor i K.
Sandy
4 September•PressNewsStillwaterThursday,15,2022
Fortune
Beverly
With high.alsohousesearchesdata,alyzedbyHome,tate2022.bymysearchesstrongdesireseller’sisU.Sdemandinventoryhousinglowandhigh,thehousingmarketexperiencingamarket.ThetosellissothatInternetfor“sellhouse”exploded147%asofJulyLuxuryrealesplatformRuwhichantheGooglerevealedthatfor‘sellmyforcash’isatanall-time
The U.S Market
and sellers are in a prime position to reap the erydaygrowinghelpertyfrommoneyespeciallybenefits,withanyleftoversellingapropbeingabletotowardsthecostsofevitems.”
If it is andwithinAswayssellingyourlengingfinanciallybecomingchaltomaintainhome,considerorlookingfortodownsize.abuyer,stayingyourbudgetnegotiatingthe
DEFY MEDIOCRITY +DELIVER EXTRAORDINARY 405.624.2626 www.c21global.com 131 N. MAIN,STILLWATER Linda Schmidt 405.880.3048 Broker Alane LeGrand 405.747.6950
Heppel 405.880.0869
Branson 405.612.5347 Tana Rutan 405.612.1496 Jennifer Misener 405.714.4037 Proper ty Manager Judy Kasso 801.824.8166 Virginia Cussner
sibility of a reces sion have made it more important for Americans to find ways to resentstheageareMarchtheingareofdatafact,aing,interestedsoatpricescurrentunclearfactorsthebillsreducepointrealDownsizingfinancialmaintainstability.fromaestatestandisonewaytodebt,payandsaveforfuture.Withsomanyinplay,it’showlonghousingwillremainthislevel.Sincemanypeopleareinselltherecouldbecoolingeffect.InaccordingtobyRedfin,asAugust,thingsalreadystarttoleveloff.Forfirsttimesince2021,theyseeingtheaverhomesellbelowaskingprice.Thisdatarephomeprices around the country and does not indi cate a trend in one particular area. Multiple factors could be contribut ing to the sudden shift, beofcoolmarketson,theAsratesbecauseingdemand,aInternettoryincreasedincludinginvenduetothosesearches,changeinbuyerordecreasaffordabilityofinterestandinflation.wemoveintofall/winterseathehousingtendstooff,sothetimeyearcouldalsoafactor.
What Does All Of This Mean? The demand,climate,currentlevelofandpos
Brent Clark
Oscar 405.747.6042
Car ter 405.743.9618
Which Areas Are Looking to Sell the Most?
taxes (New York) and states with low property taxes (New Mexico), and those with high property ofofsellingversaltorscitizens.incomerangeandingdifferentlistedarea.ontocountry,everyincludes(Connecticut).taxesWhilethisliststatesinpartofthethedesiresellisnotfocusedoneparticularEachstatehasaverycostoflivandtaxburdenrepresentsaofaveragelevelsofitsThesefacindicateauniinterestinindependentlocationandcostliving.
David Heppel 405.269.6907 405.624.8222
be interesting to see if these figures translate into actu al sales and what this may mean for the housing mar ket.”The factors that make it favorable for a homeowner to sell are the same ones that work against those look ing to Americansbuy. look ing to buy a home must contend with mortgage rates that are 5.5% (up from 2.8% last year). Low housing inventory and high demand lead to bidding wars and homes that sell far above the asking price. Then there is inflation. According to Zillow, housing prices are up by ap proximately 20.7%, with the average cost of a home com ing in at $350,000.
OPEN 1-2 3405 SUnion Rd $350,000 YouCAN have it ALL!! Exciting new construction on 1.25 acm/l.Quality craftsmanship with all the new farmhouse feels.Beautiful cedar accents, large bedrooms,open shelving,gorgeous open kitchen with granite counters as well as alarge pantry, as well as a fireplacetoadd to the ambiance. Youwill love your large covered east facing patio to enjoy your morning drinks as well as your evening happyhours! Don’twait. 6026 SGunnar Spgs $350,000 Connie Stokes Allthe feels in this new construction. Stunning designand qualitybuilt.All that’slefttodoistomoveinand begin making memories.Wonder ful pantr yand large bedrooms.You will love the open kitchen and living area which is greatfor entertaining! Fantastic and functional floor plan. Don’twait! Connie Stokes Broker Associate,CRS, GRI 405.612.0016 OPEN 3-4
By Sanjana Vig Wealth of Geeks
Rosetta
Housing market searches the internet
best terms for your home loan is essen
Given the cur rent climate, it’s no wonder with(Florida)outofrepresentsKentuckyThisCarolinaNewMexicoNorthFloridaIowaNewginiaWyomingConnecticutVirare:searchingdoingTheacrossevenlysearchesincreasedButterestedhomeownerscurrentareininselling.thistrendofInternetisnotdistributedthecountry.toptenstatesthemosttosellMississippiYorklistamixstateswithincometaxesandthosehigh-income
It’s easy to under stand why anyone would want to sell or downsize. For many ingmassively,houseyears,rocketingofdatacommentedfromments.ondetrimentalaratesthatingbarriersThisloomingtherehomeowners,evencostscialreasonableandsellingAmericans,theirhomecashinginisafinanchoice.Propertyarerising,forcurrentandarefearsofarecession.alsocreatestorefinanchomes,givenhigh-interestcouldhavenet-neutraloreffectmortgagepayAspokespersonRubyHomeontheanalysis:“Withtherateinflationskyinrecentthevalueofahasincreasedmeanhomeowners
Mike 405.747.7601 405.747.4684
tial.The market is dy namic and shifting month over month. Even if things are cooling off, high mortgage rates and inflation are keeping home prices much higher than before the pandem ic.Any real yourdecisionmakinglocation,happening,pendentfinancially.sionculatetheimportantyourealoflightly.issponsibilityhugetransactionestateisafinancialreandnottobetakenRegardlesswhichsideoftheestatemarketareon,itistowatchtrendsandcalhowadeciwillaffectyouIndeofwhatisoryourprioritizethebestforyouandfamily.
Blankinship 405.269.9523
Diana Field
How Are Buy ers Affected?
The spokesperson from America,acrosslengingincreasinglyingthementedspokespersonRubyHomecomfurtherondata:“Affordablehoushasbecomechaltocomethroughoutanditwill
In Summary
“What about all the ancillary things that come along with living? All the things you want to do?”Mapping your re tirement plans can help you and your adviser pinpoint when and how you’ll need cash.
By Kate Ashford NerdWallet
Non-investment questions before retirement
This article was provided to The Associated Press by the personal finance website NerdWallet. The content is for educational informationalandpurposesanddoesnotconstituteinvestmentadvice.
up for Medicare until you’re closer to 65 years old, your income in the years beforehand will affect what you pay for cov erage. Each year, both Medicare Part B and Medicare Part D base their premiums on your reported modified adjusted gross income from two years prior. So if you filed individu ally making more than $91,000, or filed jointly mak ing more $182,000,thanyou’ll pay additional amounts each“Becausemonth.there’s a lookback on earn ings for ancetoLashintirementplemoreingtheycordingly,adjustexpenditures,Medicarewe’llplansacbecausemightbepayconsiderablythefirstcouofyearsinrethanlaterretirement,”says.It’salsowiseconsiderguidonMedicare
2. SHOULDWHATI KNOW ABOUT MEDI CARE?Although you generally can’t sign
comfortable self-in suring,” says Kevin Brady , a CFP in New York City. “Others have more limited assets.”
Visit www.perkinsfrontierrealty.com and check out FRONTIER REALTY •100% Financing available •Recently updatedproperties 405-547-2000 4W Hickory, Tr yon, OK 74875 $129,90 0 CUTE HOME ON CORNER LOT!!!! Perkins Schools!! This well takencareofhome has so much to offer. Custom cabinets in the kitchen with storage galore and apantr y. Great space fora work from home business the office area has aseparateentr y. Several outbuildings with electric and water. RV hook up with electric,water &sewer.Covered backpatio to enjoy the quiteevening or mor ning coffee. OPEN HOUSE SUNDAY1-3 HYBRID MATTRESS Optimal Balance of Pressure Point Relief and Support WOMEN’S CHOICE AWARD 9OUT OF 10 CUSTOMER RECOMMENDED MATTRESS $1499 Queen Mattress Family Business Since 1951 224 NMain • Stillwater,OK 405-372-1665 • McColloms.com Hours: Monday-Friday 8a-5:30p &Saturday 10a-5p
Thursday•PressNewsStillwater,September15,2022 5
But Medicare and other non-port folio topics – like travel and longterm care – can af fect your finances.
choices in general, because you some times can’t change coverage later if your health situ ation shifts – and Medicare is com plicated. “We do an annual meeting with somebody that specializes in Medicare,” Lash says. “All clients are invited to at tend.”3.CAN I AFFORD offareofworth’sanceaccordingaanearlylivingforIt’sandofneedinga65CARE?FORSELF-INSURETOLONG-TERMApersonturningnowhasabout70%chanceofsomekindlong-termcare,costsaresteep:$54,000ayearanassistedfacilityand$95,000forsharedroominnursinghome,toinsurcompanyGen2021CostCareSurvey.“Somepeoplewellenoughthatthey’re
A eteryououtmoneyyouesbig-ticketviserspendthey’retheirtimeAngeles.Lum,ence,”retirementshortchangeinoutforoverlyway.gallyspendingexperiences,oftomany,tangibles.alwaysretirementsuccessfulisn’tabouttheForit’satimerealizedreamstravelandotherbuttoofrucangetinthe“Oftenclientsareconservativefearofrunningofmoney,buttheprocesstheytheexperisaysKevinaCFPinLos“Bythetheyrealizeabundance,toooldtoit.”Talktoyouradaboutyourwishandwhetherhaveenoughtosplashalittlebeforesettleintoquispending.
“We are active ly bringing these ideas to our clients, but there are still plenty of advisers out there that are not,” says Crystal Cox , a certified fi nancial planner in Madison, Wiscon sin. “They’re still focused just on the investments and the questionsHereportfolio.”aresometoask at your next meeting.
Actual retire ment spending looks more like a smile than a straight line, Lum says, with more spending at the be ginning on things like travel and more spending at the end on longterm care needs.
“I’m not saying people should spend irrationally,” Lum says. “But thinking about re tirement spending as a fixed calcula tion that doesn’t change across the retirement life isn’t a smart idea.”
Using a financial adviser for your investment needs is 100% on brand, but what about the other parts of your retirement life? For example, a third of people ages 64 and up have a financial adviser, but only 2% of them asked their adviser to help with their Medicare choices, according to a July 2022 report f rom health care con sulting firm Sage Growth Partners.
No matter what is the case, it’s crucial to discuss potential costs and whether you have the savings to manage them. If you don’t, you’ll need to run the numbers on prod ucts like long-term care insurance or a hybrid policy that combines perma nent life insurance with a long-term care FUN?TOENOUGHBradywhatjectionsexpertworking“We’rerider.alwayswithantodoproandseemakessense,”says.4.DOIHAVEMONEYHAVESOME
1. WHAT oftenortoyouplanincontinuetirementABOUT?NEEDCISIONSTIREMENTREDEDOITOTHINKYourlifeinremaynotasithasthepast.Doyoutotravel?Dointendtomoveadifferentstatedownsize?Howwillyouwant
to buy a new vehi cle?“Most people just think, ‘I need a certain amount of money to live on,’” says Daniel Lash , a CFP in Vienna, Virginia.
“Do you have an idea of where you’re going to move, and what does real estate look like in that general area?” Lash says. “They’ve thought about re tiring, not ‘What am I going to do when I retire?’”
By Kimberly Palmer NerdWallet
Balance competing savings goals
savings account for each one and giving it a nick name, such as “Greece, $5,000” or “Lake cabin rental, $1,500.”Online, highyield savings ac counts tend to offer higher returns than those at tra ditional banks, and you can set up au tomatic deductions from your checking account or pay check. “It’s positive inertia that keeps the money going where you want it,” heYouadds.can always make changes later. “Just get in the habit of saving, and then you can go back and add other goals,” Jones says.ENJOY LIFE ALONG THE WAY
As important as
6 September•PressNewsStillwaterThursday,15,2022
it is to save for all of those priorities, so is enjoying life today. Don’t wait until you have a fully funded retire ment to put money toward items that bring you joy, Jones warns. That’s why she’s saving to buy a Tesla, which she hopes to purchase by the end of the year.Maldonado and his wife contribute a set portion of money to a family fun account. “We drain it every quar ter. It’s about.ilyingcounts,storedtheiroringthingsandfamily,”spendingguilt-freeforthehesays,goestowardlikecamptrips,museumsparties.Withsavingssafelyinotheracit’sspendthewholefamcanfeelgood
a year so you can recalibrate when openingnadostraight,ofZigmontthingsyouthingbecaloroverseas,business,suchonthemHehavingaren’tdon’twithMississippi,inofCFPneeded.JayZigmont,andfounderChildfreeWealthWaterValley,worksclientswhohaveandplanningonchildren.saysmanyofarefocusedmajorlifeshifts,asstartingamovingtravelingtakingasabbatifromwork.“Youmightnotabletodoeveryatonce,butcandomostovertime,”says.STAYORGANIZEDTokeepallthesegoalsMaldosuggestsaseparate
because you must determine your near-term goals. They might include buying a leastsavingstosays.weachieveandresetshifted.termresultsays,stylemakemanypandemicatonear-termMichigan,towithrecentlyScottsdale,ManagementLifeCFPentirely.orstartingingtraveling,home,movtoanewcity,afamilysomethingelseDaleL.ShaferII,andfounderofMovesWealthinArizona,movedhisfamilythatareafromandhisgoalissaveuptobuyhomethere.Thespurredpeopletomajorlifechanges,heandasatheirnear-savingsgoals“Sometimesweexpectationssometimeswemorethanthought,”heIt’simportantcheckinonyourprogressatseveraltimes
be,” Jones says. “If you keep itiesryTHEYOUsays.portant,”tallizenariosthrougholdimpoverishednotops–consequencesthecategoriesshouldAngeles,AdvisorsofDamsky,accounts.fundingthehelpdifferentofcasethroughwe’reweretirementpushingoff,blinkandnowscrambling.”Thinkingtheworst-scenariosnotsavingforgoalscanunderscoreimportanceofretirementNoahprincipalMarinaWealthinLossaysyousaveforthewithmostseverefirstandretirementthatlist,sinceonewantstobeinage.“Runningthosescehelpscryswhat’simDamskyDECIDEWHATWANTINNEARTERMThisnextcategoofsavingsprioriscomplicated,
Saving money sounds itcy,covertimeyouasstrategiesisn’tsavingsmarket.tumultuousdaypricesuncertainty,lythatcatedisNewinandviceGroup,founderaccountantaAl-Neshaeveryeathavetryingthingsingwhenputsavingsweaccount.thetravel,Wesavingsfacereality,purposeasideforwardstraight–setcashforafuture–butinpeopleoftencompetingpriorities.wantitall:thethehouse,flushsavingsSohowdofigureoutwhichgoalstofirst,especiallywe’reworktowardsomanyatonce?“You’realsostilltoliveandfunandnotramennoodlesday,”saysJones,certifiedpublicandofASEafull-seraccounting,taxadvisoryfirmWestOrange,Jersey.Savingfurthercomplibythefactwe’recurrentfacingeconomichigheroneveryitemsandastockFiguringoutyourprioritieseasy,butthesecanactguideposts:PUTYOUREMERGENCYFUNDFIRSTConsiderhowfeltthelastyoucouldn’tanemergenJonessays.“Ifgaveyoumajor anxiety, keep that feeling in mind when you prior itize.” In other words, create your emergency fund before everything else, because it’s so critical to financial security.“Nowmore than ever, people bettertoyouthethingstartside,andacostingcasetogoodCalifornia.SanWealthownercialdo,saysrainyimportanceunderstandingaretheofadayfund,”EricMaldonacertifiedfinanplannerandofAquilaAdvisorsinLuisObispo,“It’sfundamentalshavecashinstuffstartsmore.”PRIORITIZERETIREMENT“Retirementislong-termgametimeisonyoursoevenifyouwithsomeverysmall,moretimegiveyourselfworkonit,theoffyou’ll
2024 E. CO NNELL CT.• $199,000 Wedgewood is agreat neighborhood to call home! This househas allthe fun goingon! Gazebo andcoveredpatio on the east side,hot tub, mountedT V, servingbar andmore! Inside boasts of newpaint downstairs, stainedconcrete floors, updatedappliancesand updatedslidingdoortopatio.Brand newroof, inground sprinkler system, flat-safe stormshelter,privac yfence,large backyard,lotsofextrashere! Primary bedroom suiteonthe first floorplusahalfbathfor guests on the first floor, too. Upstairs has two bedrooms, roomy closets, andafullbathwithtub/shower unit. 5007 W Briarcre ek Dr. Lot 7 • $70,000 Beautiful large lot to build your dream home! Briarcreek gated community. Minimum building size per covenants is 2500 Sq. Ft. Sangre Ridge Elementary. THEEXPERIENCE Dedicated professionals providing unrivaled ser vice. 114 W. Hall Of Fame •Stillwater •405.533.3000 StillwaterSignatureRealEstate.com| @RemaxSignatureStillwater OPEN HOUSE •SUNDAY, FEB. 7 4830 W. 11th CT. 4BR, 3,648 Sq. Ft. $335,800 Brooke Stuart 1:00-3:00 P.M. 5518 W. 7th AVE. 3BR, 2BA,1,777 Sq. Ft. $209,500 Sarah Manuel 1:00-2:00 P.M. 1427 S. ASHTON AVE. 5BR, 4BA,3,664 Sq. Ft. $448,500 Rachel Shields 2:00-4:00 P.M. OPEN HOUSE SUNDAY, SEPTEMBER 18, 2022 1217 S. Landry Lane 1:0 0-2:0 0PM Heath and AshleyBowman
Thursday•PressNewsStillwater,September15,2022 7 News PressStillwater stwnewspress.com Find your next home with ease in Real Estate Weekly in print every Thursday, or online www.stwnewspress.comat
Virgina Av Miller Av Admiral ArrowheadSherwoodAvAvAvSunsetAv 3rd Av 4th Av4th Av 5th Av 5th
6. 5111 S. Deer Trail - 1-3 p.m. … Rhonda
RE/MAX Signature
4. 2915 W. 18th - 1-2:30 p.m. … Tiffany
3. 6026 S. Gunnar Springs - 3-4 p.m. … Connie
NextHome HeartLand Realty
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8 September•PressNewsStillwaterThursday,15,2022 McMurtry Rd. Burris Rd. Topaz CanyonAve.Ct. To Cimarron Turnpike 177 177 177 177 177 51 5151 Chateau PeaceableDrAcres Rd. ChateauCt.Chateau Pl. Husband Pl. HusbandStNorthgate Dr GolfDuncanDrRichmond Rd. Richmond Rd. Burris Rd. St.ashingtonW Park Pl. Amethyst Ave. DrQuartz Lynn Ln. ParkTowerDr Hartford RogersDr BrittonDrBritton Ct. MarieDrAudeneMarieDrDr Evergreen Stonecrest
Real Estate Professionals
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7. 4 W. Hickory, Tryon - 1-3p.m. ... Jeana
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1. 2817 N. Keller - 1-3 p.m. … Kim
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5. 1217 S. Landry Ln. - 1-2 p.m. … Heath & Ashley
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McElroy Rd. Oak Crest Rd. Reese LandingCt.Keely Farm
Week of Sunday, September 18, 2022
Tyler AvTyler Av St.Willis Rd.Ridge WillhamDrSt.McDonaldSt.McFarland GarfieldSt. HallAvof St.Cleveland
2. 3405 S. Union Rd - 1-2 p.m. … Connie
12th Av St.Stallard 7th Av