Miami Mortgage News

 

How to Have Fun on a Budget
in Your Senior Years

 

Sixty percent of Americans don’t keep a budget, choosing instead to throw caution to the wind. Many people fly by the seat of their pants because they know life will work itself out. For Baby Boomers, there isn’t much time to rebound from financial frivolity. As you draw closer to retirement, frugality becomes very important. One day, the income stream might dry up and you could be surviving on savings and investments. You’ll come out fine if you live today with your future financial health in mind.

 

However, none of this means that you must lead a humdrum life in order to remain in constant savings mode. You can enjoy a fulfilling life without depleting your savings, and much of this depends on whether your cost of living is compatible with your income. The recommended budgetary breakdown for spending your money is 50 percent for necessities, 30 percent for wants, and 20 percent for savings and debts. By following this principle, it’s not difficult to stick to a budget while still having fun.

 

Savings

 

Let’s get this one out of the way first. Paying back credit card debt and loans falls under the savings bracket, but saving for the future is a big part of it too. Retirement funds and emergency funds might not be part of your necessary spending now, but they will come in handy when you need them in the future.

 

One such expense to consider is long-term care. Long-term care is inevitable for some seniors, and it’s best to be prepared so that you’re not depleting your cash flow when the time comes. Although it’s a cost that you’d have to fork up now, long-term care insurance can protect you in the future when you’re in need of care at home, an assisted living facility, or a nursing home. Start now to save for later, but before you purchase a policy, head to Consumers Advocate or a similar information site to research the leading long-term care insurance companies.

 

Needs

 

Needs are the things that help us survive and function within society. They include fixed expenses like housing costs and insurance premiums, as well as variable expenses like groceries, transportation, and healthcare co-pays.

 

There are some necessities that you can possibly cut down on. If you’re lucky enough to telecommute for work, consider moving to a cheaper neighborhood. Without an office to go to, you can live just about anywhere with an internet connection. An even better move would be to a town with good public transportation and a high walk score to reduce your transportation costs. There’s also the option of selling your car and purchasing a used car with lower insurance rates. In addition to cutting costs for transportation, there are many other cost-saving strategies, such as using senior discounts or enrolling in the right Medicare program for your needs.

 

Wants

 

But what about the fun stuff — vacations, entertainment, and going out? With the average American household spending over $60,000 annually, only about 5 percent of it is spent on entertainment. It’s not a lot of money when you look at the big picture, so don’t feel guilty about your discretionary expenses. If you need new clothes, then buy yourself something nice. If you want to watch a film, then treat yourself to a movie night. Here are some ways to enjoy life while staying on a budget:

 

  • Rent a movie from Redbox, subscribe to Netflix, or go to matinees.

  • Shop at thrift stores or bargain retailers like Ross and Marshalls

  • Take advantage of free days at the museum and parks with free entry

  • Go on outdoor adventures that don’t cost a thing

  • Dine out on a discount: Groupon, Taco Tuesdays, Happy Hour, etc.

     

    The best years of your life have yet to come, but the worst-case scenarios can happen if you don’t prepare. Go into your retirement years with financial security and a plan to take care of your needs when aging diminishes your independence, but don’t sacrifice your happiness along the way. Live it up and seize the day — without having to pay.

     

    Courtesy of Jim McKinley

  • Photo Credit: Pixabay

     

Posted by Zena Bardawell on February 8th, 2019 12:37 AM

5040 Biscayne Blvd - Biscayne Retail Space

Miami, FL 33137 - Biscayne Corridor Submarket
World Wide Foto
Food Court

BUILDING
Type: Retail
Subtype: Storefront
Tenancy: Single
Year Built: 1946
GLA: 5,771 SF
Floors: 1
Typical Floor: 5,771 SF
Docks: None
Construction: Masonry

LAND
Land Area: 0.25 AC
Zoning: C-1
Parcel 01-3219-000-0180

Parking: 8 free Surface Spaces are available; Ratio of 1.76/1,000 SF
Walk Score ®: Very Walkable (82)
Transit Score ®: Good Transit (55)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

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International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

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Property Overseas & International Real Estate

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Posted by Nour Ailan on June 6th, 2017 3:19 PM

555 Arthur Godfrey

Miami Beach, FL 33140 - Miami Beach Submarket
Signalized Intersection

BUILDING
Type: Retail
Subtype: Bank
Tenancy: Single
Year Built: 1940
GLA: 4,575 SF
Floors: 1
Typical Floor: 4,575 SF
Docks: None

LAND
Land Area: 0.10 AC
Zoning: CD-3
Parcel 02-3222-001-151

Parking: 15 Surface Spaces are available; Ratio of 4.20/1,000 SF
Walk Score ®: Very Walkable (86)
Transit Score ®: Good Transit (59)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

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Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 3:14 PM

66 NE 40th St

Miami, FL 33137 - Miami Submarket

BUILDING
Type: Retail
Subtype: Storefront
Tenancy: Single
Year Built: 1952
GLA: 1,500 SF
Floors: 1
Typical Floor: 1,500 SF
Docks: None
Construction: Masonry

LAND
Land Area: 0.06 AC
Zoning: SD-8
Parcel 01-3124-027-0340

Parking: Ratio of 1.43/1,000 SF
Walk Score ®: Walker's Paradise (94)
Transit Score ®: Good Transit (59)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 3:07 PM

532 NW 29th St

Miami, FL 33127 - Miami Submarket
Paris Perfumes, Inc

BUILDING
Type: Retail
Tenancy: Single
Year Built: 1950
GLA: 6,500 SF
Floors: 1
Typical Floor: 6,500 SF
Docks: None
Construction: Masonry

LAND
Land Area: 0.16 AC
Zoning: C-2
Parcel 01-3125-024-2620

Parking: Covered Spaces @ $0.00/mo; Ratio of 0.30/1,000 SF
Commuter Rail: 11 minute drive to Hialeah Market Commuter Rail (Tri-County Commuter)
Airport: 12 minute drive to Miami International Airport
Walk Score ®: Walker's Paradise (96) Transit Score ®: Good Transit (55)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 3:02 PM

468 NW 27th Ave - U.S. Century Bank

Miami, FL 33125 - Miami Submarket

Subtype: Bank
Tenancy: Single
Year Built: 1984
GLA: 3,967 SF
Floors: 1
Typical Floor: 3,967 SF

LAND
Land Area: 0.45 AC
Zoning: C-1
Parcel 01-4104-012-0420

Parking: 11 Surface Spaces are available; Ratio of 2.77/1,000 SF
Walk Score ®: Very Walkable (88)
Transit Score ®: Good Transit (52)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 2:55 PM

400 NW 27th Ave

Miami, FL 33125 - Miami Submarket

BUILDING
Type: Retail
Subtype: Storefront Retail/R…
Tenancy: Single
Year Built: 1954
GLA: 2,508 SF
Floors: 1
Typical Floor: 2,508 SF
Docks: None

LAND
Land Area: 0.10 AC
Zoning: C-1
Parcel 01-4104-012-0710

Parking: Surface Spaces @ $0.00/mo
Walk Score ®: Very Walkable (87)
Transit Score ®: Good Transit (53)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 2:47 PM

4760 NW 17th Ave

Miami, FL 33142 - Miami Submarket

BUILDING
Type: Retail
Subtype: Storefront
Tenancy: Single
Year Built: 1964
GLA: 7,900 SF
Floors: 1
Typical Floor: 7,900 SF
Docks: None
Construction: Masonry

LAND
Land Area: 0.23 AC
Zoning: C-2
Parcel 01-3122-014-0471

Parking: 13 free Surface Spaces are available; Ratio of 2.41/1,000 SF
Walk Score ®: Very Walkable (74)
Transit Score ®: Good Transit (56)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 2:42 PM

236 SW 12th Ave

Miami, FL 33130 - Miami Submarket

BUILDING
Type: Retail
Subtype: Freestanding
Tenancy: Single
Year Built: 1985
GLA: 5,942 SF
Floors: 1
Typical Floor: 5,942 SF
Docks: None

LAND
Land Area: 0.21 AC
Zoning: SD-14
Parcel 01-4102-006-2120

Parking: 10 free Surface Spaces are available; Ratio of 2.05/1,000 SF
Walk Score ®: Walker's Paradise (94)
Transit Score ®: Good Transit (56)

Find your listing .. Visit Our Sites USA Lending And Realty .. and The World For Sale

Visit Our Site For “Your full service mortgage and loan pros” … USA Lending Inc

Search for More Listings in Our Loopnet account

To Search in Arabic .. Please Visit Istithmar USA

To Search in Spanish … Please visit propiedad para laventa

Visit the Miami Bright Education Foundation pages and read About it and its articles ….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 2:36 PM

3894 SW 8th St

Coral Gables, FL 33134 - Coral Gables Submarket
Latin Bohenia Grill 4,391 SF

BUILDING
Type: Retail
Subtype: Restaurant
Tenancy: Single
Year Built: 1926; Renov 1996
GLA: 4,391 SF
Floors: 1
Typical Floor: 4,391 SF
Docks: None
Construction: Reinforced Concrete

LAND
Land Area:
0.39 AC
Zoning: CB
Parcel 03-4108-009-0240

Parking: 25 free Surface Spaces are available; Ratio of 8.82/1,000 SF
Walk Score ®: Very Walkable (80)
Transit Score ®: Some Transit (49)

Find your listing .. Visit Our SitesUSA Lending And Realty.. andThe World For Sale

Visit Our Site For "Your full service mortgage and loan pros” …USA Lending Inc

Search forMoreListings in OurLoopnet account

To Search in Arabic .. Please VisitIstithmar USA

To Search in Spanish … Please visitpropiedad para laventa

Visit the Miami Bright Education Foundation pages and readAbout itandits articles….

Contact Emile Ur-cousin Farah

phone: (305) 754-1000

Email: farah@theworldforsale.net

For More information FOLLOW this steps :Investor-Commercial Users

Contact Nader Farah

Nader sells Miami

Nader is an expert

Nader Farah knows real estate

Nader knows more than anyone

Call Nader for all your real estate needs

Nader is the king of real estate

No one sells like Nader

Links For the world:

INTERNATIONAL COMMERCIAL COMPANIES

International commercial

International Building

Home of the world’s best agents

Knight Frank

Christie’s International Real Estate

Leveragere

realtor.com

Property Overseas & International Real Estate

Mayfair International Realty


Posted by Nour Ailan on June 6th, 2017 2:31 PM

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