I am currently working with several clients who are still trying to decide whether they want to stay put in their homes for the long term or possibly considerputting their places on the market. One couple is in generally good health and enjoys their current surroundings and the other client is in somewhat fair condition.
The first couple complains about the expenses of owning as their income, although fairly good, is being reduced yearly s inflation has been ramping up lately. Real Estate taxes, heating costs, snow removal, repairs, landscaping and upkeep are starting to wear on them financially and mentally. The second situation is a woman whose husband passed away a few years ago, and as she is getting older, her children are concerned about her health and feel moving closer to them would be to everyone’s advantage and in her best interest.
The couple feels very comfortable where they live and have a few friends who still reside on Long Island, although others whom they miss, have gone south to warmer climates. Although their health is excellent, they are attempting to figure out what to do. They have a tremendous amount of equity in their home as they have lived there for over 50 years. They are curious as to what their tax ramifications would be when selling.
I told them they are allowed $500,000, plus their original purchase price and any capital improvements that they had made over the years (one needs to have receipts in case of an audit). At the point of sale, they would subtract those amounts and the costs of closing from the sale price. Their income and tax bracket for that year that would determine their capital gains. This percentage for a few could be as little as 0 percent up to a maximum of 20 percent.
They should have a plan to determine the time that they need to reduce their accumulations over the years and get rid of the clutter and have a tag or garage sale. In the end packing to move is a lot to handle. Advising and guiding them through this time- consuming process is a job for a caring and expert broker to make it as simple and stress-free as possible.
It’s not always just about putting a home on the market to sell but the immense preparation leading up to it and in getting it done. Having a checklist is always a prudent and smart way to begin and your agent can assist you in getting started.
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However, the couple wants to stay, and they have to plan for the future in the event one or both become disabled or have a very serious illness. Retrofitting the home to make it more livable going forward should be a consideration. Whether it is changing countertop heights for a wheelchair to get under or a stair lift to be installed for second-floor access or creating an owner’s suite on the first floor or other pertinent items to make life easier.
For some moving to an independent, assisted-iving or nursing home facility may be another option. Those homeowners who might prefer to stay in their own home might consider another option in hiring a healthcare aid, part or full time.
The second client has to make a decision to either stay by creating a living environment that will be safe and comfortable by doing similar upgrades. In making those decisions and asking for advice from me and family members, it enables her to at least begin thinking about what to do. She has some options, but that final act in coming to a solution is the toughest to make and it is never easy.
Telling a homeowner not to wait until the last minute and fall into the “Monday morning quarterback” syndrome will never be to anyone’s advantage, but human beings are procrastinators at heart. The threerealities of life are we are born, we pay taxes and we eventually pass on.
But life is similar to the seasons as we have spring, summer, fall and winter. We try to enjoy each and every season to the fullest as best we can, but as we grow older life can throw us many curveballs that aren’t necessarily anticipated. Some of us have contingency plans, but I believe most do not. When deciding to stay in your home or consider selling, take your time and look at the pros and cons, (or call me for help) so your final decision will make the most sense.
Philip A. Raices is the owner/Broker of Turn Key Real Estate at 3 Grace Ave Suite 180 in Great Neck. He has 40 years of experience in the Real Estate industry and has earned designations as a Graduate of the Realtor Institute (G.R.I.) and also as a Certified International Property Specialist (C.I.P.S). For a “FREE” 15 minute consultation, a value analysis of your home, or to answer any of your questions or concerns he can be reached by cell: (516) 647-4289 or by email: Phil@TurnKeyRealEstate.Com
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Das wohl bekannteste Verfahren ist das Thermoverfahren.
Zu sehen sein verschiedene Verfahren, mit denen die Rollen bedruckt werden. In dieser Art wird
keine zusätzliche Drückerschwärze benötigt, was sich langfristig positiv auf
die Kosten auswirkt. Hierbei wird mit einem Laser die gewünschte
Schrift direkt ins Papier gebrannt. Umso mehr muss es hitzebeständig
sein, da bei dem Verfahren sonst ein gewisses Entzündungsrisiko besteht.
Hochwertige Qualität erkennt man meist erst, wenn das Produkt
konkret zum Einsatz kommt. Die Qualität zeigt sich durch eine gleichmäßige Schwärzung,
die auch einen hervorragenden Kontrast erlaubt.
Das hierbei benötigte Thermopapier muss verschiedenen Anforderungen genügen, um für diese Aufgabe geeignet zu wenig bringen. Das Papier muss absolut eben und glatt sein, damit der Laser
Zeichen exakt einbrennen kann. Aber auch vor der Benutzung kann man qualitativ hochwertige Bonrollen an bestimmten Zeichen erkennen. Außerdem
sollten auf Hinweise geachtet werden, die belegen, dass das Papier keine schädlichen Ionendämpfe abgibt,
wenn’s bearbeitet wird. Dies rührt vom speziellen Herstellungsverfahren des Papiers her.
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Holzfenstern wird pauschal eine sehr gute Wärmedämmung sowie eine hohe Festigkeit und damit einen guten Schutz vor Einbrüchen nachgesagt.
Grundsätzlich stimmt dies natürlich auch. Allerdings gibt es, den umständen entsprechend welche Holzarten verwendet werden, Unterschiede.
Und diese sind insbesondere deshalb wichtig, weil heute dank der
fortschreitenden Technik und Herstellungsverfahren sowie neuer Materialien auch Fensterrahmen aus anderen Materialien sehr
gute Werte bei Wärmedämmung und Sicherheit aufweisen. In Sachen Wärmedämmung sind Weichhölzer, dazu zählen insbesondere die Nadelhölzer, die bessere
Wahl. Der Grund liegt auf der Hand: Harthölzer
wachsen in langsamem Tempo, sind daher sehr dicht und weisen kleine Zellen auf.
Denn sie haben bessere Dämmwerte als die Harthölzer.
Die Weichhölzer hingegen wachsen schneller, sind leichter und zeichnen sich
durch eine gröbere Zellstruktur aus. In dieser Zellstruktur vertrauter miteinander werden Luft gespeichert,
die für den Dämmeffekt verantwortlich ist. Andererseits haben auch Harthölzer spezifische Eigenschaften: Da diese langsamer wachsen und dichter sind, bieten sie einen höheren Schutz gegen Einbrüche.
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Entdeckt menschenleere Buchten oder zerklüftete Küstenabschnitte.
Zum Wandern kann ich euch den gut begehbaren Erdbeerbaumweg empfehlen. Die circa 10 km lange Strecke
führt über Capdepera und verspricht atemberaubende Aussichten. Egal, für
welche Aktivität ihr euch entscheidet, ihr werdet es definitiv nicht bereuen und
habt eine gute Alternative zum Strandurlaub. Wer
von euch liebt es auf dem Wasser zu haben? Sichtbar
werden eine große Bandbreite an Wassersportaktivitäten, bestimmt ein Highlight der Reise.
Wie ihr sicherlich anhand meiner Cala Ratjada Tipps merkt,
bietet euch der Ort vielfältige, bunte Programme und Langeweile wird
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Tipps fehlen. Freut euch auf bunt verschiedensten Gerichten. Schaut doch mal an der Strandpromenade
vorbei und lasst euch von den Speisekarten inspirieren,
denn hier gibt es schier unendliche Möglichkeiten. Im
Es Coll d’Os könnt ihr die regionale Küche erleben und ich
verspreche euch, ihr werdet nicht enttäuscht.
Im Oleo’s zaubern euch die Köche köstliche Speisen auf die Teller und wenn ihr eurer Essen bei einem schier atemberaubenden Ausblick genießen wollt, müsst ihr unbedingt ins Xiringuito gehen.
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Rolex, Omega, TAG Heuer oder Breitling? Die Auswahl an Luxusuhren Marken ist
sehr vielschichtig und bevor man sich für eine luxuriöse Armbanduhr entscheidet,
sollte man vorher genau wissen, was man kauft.
Auch innerhalb der Marken von Luxusarmbanduhren gibt es große Preisunterschiede.
Eine vordergründige Eigenschaft (und damit oft auch eine wesentliche
Kaufentscheidung) von Luxusuhren ist der Preis, welcher bei
einigen hundert so weit wie mehreren Tausender tendieren kann.
So kann man eine TAG Heuer Formula 1 Herrenuhr bereits für circa 1.000 Euro erstehen, während die Modelle aus der
TAG Heuer Carrera Serie schnell 4.000 Euro und mehr kosten.
Auch bei anderen Luxusuhren-Herstellern wie Longines, Cartier, Maurice Lacroix, Glashütte, Chopard, Junghans oder Hublot
an der Zeit sein tief ins Portmonee greifen, um sich eine Luxusuhr kaufen zu können. Automatikuhren von Tissot oder Certina bekommt bereits ab 500 Euro.
Maßgeblich für den Kaufpreis von Luxus-Armbanduhren ist erst recht Material
sowie das Uhrwerk eines teuren Zeitmessers. Neben der technischen Komponente spielen natürlich auch der Wert und die Exklusivität der Marke einer Luxus-Uhr eine wesentliche
Rolle beim Kaufpreis. Uhrwerke der Superlative, wie das Chronographen Kaliber 4130 von Rolex dagegen gehören zur absoluten Spitzenklasse und treiben den Preis einer damit ausgestatteten Herren-Luxusuhr schnell auf circa 12.000 Euro.
Im oberen Ende der Preisskala findet man hier bspw. Luxus-Armbanduhren von Patek
Philippe, welche oft nur im hohen fünfstelligen Preisbereich zu erstehen sind.
Luxusuhren wie die Perpetual Calendar, Gondolo oder Nautilus
gehören mit zu den teuersten Luxus-Herrenuhren der Marke
und bewegen sich zwischen 30.000 und 70.000 Euro. Eine solch teure und luxuriöse Analoguhr ist dann
aber gleich mehrere normalere Zeitmesser, sondern oftmals auch eine echte Geldanlage
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