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- 709 937
Olga StPierre
United States
Приєднався 21 січ 2015
Hi! Thanks for visiting! I am a real estate agent with a practice in New Jersey and Pennsylvania and I specialize in helping peeps plan and retire well, whichever direction that may be! We discuss where to live, social security, retirement savings, retirement net worth, retirement dream jobs and lifestyle. These are not investment or legal advice, but general observations based on my research and experience.
Connect with Olga: bit.ly/contactolgas
NJ License: 0901969, 2296330
PA License: RS308789, 354281
Office #: 215-757-6100
Connect with Olga: bit.ly/contactolgas
NJ License: 0901969, 2296330
PA License: RS308789, 354281
Office #: 215-757-6100
Top 6 Retirement Spots for Sunny Days and Mild Winters
Are you dreaming of a retirement destination with perfect weather year-round? Whether you prefer the lush greenery of Oregon, the sandy beaches of Hawaii, or the charming coastal towns of North Carolina, this video has something for everyone.
Discover six incredible locations across the U.S. that offer mild winters, enjoyable summers, and vibrant local amenities to make your retirement years the best yet. Grab your notebook and tune in as we uncover your next potential home location. Plus, don’t miss our bonus tip on evaluating the bigger picture when choosing your retirement destination, including taxes, healthcare, and transportation.
👉 Subscribe for more retirement planning tips, senior living insights, and destination highlights.
#RetirementPlanning #BestRetirementSpots #SunnyRetirementLocations #GoldenYears
Resources:
Contact Olga (questions, comments, referral requests: bit.ly/contactolgas
Olga's recommended ideas: www.amazon.com/shop/olgastpierre
FREE Resources: https//bit.ly/SeniorResourcesLibrary
homeswitholga@kw.com
Office: 215-757--6100
Direct: 267-242-2712
Information provided is not a legal or financial advice, it's for informational purposes only. Please consult an attorney, a CPA or a financial planner for specific advice.
As an Amazon Associate, I may earn from qualifying purchases at no extra cost to you as a buyer.
Discover six incredible locations across the U.S. that offer mild winters, enjoyable summers, and vibrant local amenities to make your retirement years the best yet. Grab your notebook and tune in as we uncover your next potential home location. Plus, don’t miss our bonus tip on evaluating the bigger picture when choosing your retirement destination, including taxes, healthcare, and transportation.
👉 Subscribe for more retirement planning tips, senior living insights, and destination highlights.
#RetirementPlanning #BestRetirementSpots #SunnyRetirementLocations #GoldenYears
Resources:
Contact Olga (questions, comments, referral requests: bit.ly/contactolgas
Olga's recommended ideas: www.amazon.com/shop/olgastpierre
FREE Resources: https//bit.ly/SeniorResourcesLibrary
homeswitholga@kw.com
Office: 215-757--6100
Direct: 267-242-2712
Information provided is not a legal or financial advice, it's for informational purposes only. Please consult an attorney, a CPA or a financial planner for specific advice.
As an Amazon Associate, I may earn from qualifying purchases at no extra cost to you as a buyer.
Переглядів: 315
Відео
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Переглядів 35614 днів тому
Think planning for retirement takes forever? Think again! In this video, I'll guide you through a simple, step-by-step process to create your entire retirement plan in just 60 minutes. From setting your goals to assessing your finances, calculating savings gaps, and creating a backup plan, I'll show you how to take control of your financial future-fast and stress-free! Grab a notebook, a pen, a...
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Think the housing market is ready to bounce back next year? Think again. With mortgage rates refusing to budge, home sales in limbo, and unpredictable policies from Washington, the American dream of homeownership might be slipping away. In this video, we’re revealing the 6 critical threats to the economy and housing market in the upcoming year-and why they could impact your future more than you...
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As Generation X inches closer to retirement, many are facing a financial reality they hadn't planned for. With insufficient savings and a lack of pension support, some Gen Xers are now looking to their families for help with housing and finances. This growing trend-dubbed 'Silver Squatters'-could reshape multigenerational living in America. In this video, we'll explore why so many in their 50s ...
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How To Make Money with 2024 SS Changes
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5 Things I wish I knew Before Starting Retirement
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Why North Jersey is Better Than South Jersey
Переглядів 832Рік тому
Why North Jersey is Better Than South Jersey
Great advice. I loved when you said trust your instinct, it's there for a reason. So true!
Stop wasting "time." I finally see how meaningful this really means.
Wow. Didn’t even take into account crime! So every city here is a crime hellhole. And NYC #1. Wonder why they’re bleeding population. A ridiculous list
Love it.........this is my situation at the moment
Yeah, well…that might all be very true. But what would you do if you’re one of us idiots (-that’s me) who actually likes working? And who hasn’t been having the ultimate goal of enjoying all the fruits of retirement
As a soon retiree, keeping my 401k on course after a rocky 2024 is top priority. I have been reading of lnvestors making up to 250k ROI in this current crashing market, any recommendations to scale up my ROI before retirement will be highly appreciated.
The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.
Having an lnvestment adviser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
I have worked with a few financial advisors before now but i ultimately settled for 'Annette Marie Holt'. She is SEC regulated and licensed in US. You can easily look her up
Thanks a lot for this recommendation. I just looked her up, and I have sent her an email. I hope she gets back to me soon.
I live in Virginia. It's not that great.
You're brilliant! Thank-you for the great common sense advice here. You've made this sound like an easily approachable, less daunting task for everyone. I'm definitely going to follow this process🙏🏼👍🏼
I love your straight-forward, common sense advice, backup tools and I love your voice. Best wishes for your channel.
I have been retired for five years now. Although I've been adhering to the 4% rule, things are challenging as I did not anticipate. 30% of the $600K I invested in st0cks is lost to the market. How can I diversify my portfolio for retirement
Now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I needed a good boost to help my dwindling stock portfolio stay afloat, hence I and came across an expert who helped a lot to grow my port-folio from $275k to approx. $850k in two years.
Indeed, I did make use of a financial counselor. As I get closer to retirement, their advice has been really helpful. I thought compound interest on index funds wouldn't be sufficient because I started late. It's amusing how I've done better than colleagues who have more years of investment experience. I've profited more than $886k tax free.
This is really nice. I worry that I have a couple more years before retirement, and I want to switch to using a financial advisor, I could really use the expertise of this advsors.
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
274 more days until I’m 59.5. Then I’m gonna go for it!
ummmmmm...that isn't a NORTH/SOUTH line...ummmm, it's an EAST/WEST one (¿right?)
*I'm 51 years old living in California 🇺🇸 I'm willing to retire at 56 if things goes the way I planned. I'm glad I took a bold step that has changed my financial status forever. Bought my first house last month and I can't be more proud that I'm right now*
Hey sorry for late response I apparently used the FIRE movement to put my finances in shape you can research more about it and I invested in Stocks and forex with the aid of an investment enthusiasts expert Alvarez Harry Flectcher.
Wow🙄I know the man you mentioned here. I benefit a lot from his platform, here in Munich Germany So many people have highly recommended him.
Alvarez's strategies work perfectly. I don't know him personally, but his strategies are currently good. I earned my first €105,000 trading with him.
I am 33years old living in England , I earned my first £50,000 trading with Alvarez . He is really good with and on his job
He approached trading in a completely unique way and I am so amazed by his method. He just seems to have an innate understanding of this trading world. Without a doubt, I started with £3,000 and the rest is history
BS
Some of these trends are disturbing. First time home buyers getting older and people pooling money together indicates that wages aren't keeping up with the cost of housing and living. Secondly, what is the significance of more single women buying homes than men. Interesting factoid but what is the impact? As a single man, I put in an offer on a house last year but the deal fell thru because the seller wouldn't bend on price. Now I have almost no desire to buy. My rent is a fraction of what it woud take to carry an entire house. I could afford a decent house but the prices are off-putting
No hurricanes ever hit Oklahoma
I am 61 and in Germany you can't afford to retire . You have to work to 67. And even after that you don't have much left to live on because tax , health insurance and other costs are so high.
same as in Spain 🥴 but it's worth trying😊
Retired at 62 and never looked back are we rich no are we content and happy you bet. No more getting up crack of dawn driving terrible road dealing with administration will we be a world traveler no but there is beautiful things to see in our country. Don't hesitate do it life is short!
Agreed! Happiness is important!
On my own. I don't want my relatives near me. No debts and independent.
Everyone will have different situations to work through :)
Trust me on this one. If you are an avid reader you will be reading more than 5 books a year. I read about 50 a year and I’m still working
Me too! I am an avid reader, but many are not, unfortunately. Do you keep track of your favorite books somewhere?
Warm weather, cost of living and low taxes would probably be my top priorities. Where does Arizona rank? thank you!
Hi there! Arizona is definitely in the top 10! Arizona is a popular retirement destination, with several of its cities ranking among the best places to retire in the United States. Scottsdale, in particular, is highly regarded, ranking sixth on WalletHub's list of best places to retire in the U.S., largely due to its high quality of life. Other Arizona cities also feature prominently in retirement rankings. For instance, Tempe is ranked 21st, Chandler 66th, Tucson 81st, and Phoenix 85th on WalletHub's list. Do you want more AZ resources? Please let me know.
I retired a couple of years ago, about a month before turning 60. I've been living off of my pension plus a supplement from the company that is equal to the ss I'll get at 62. I turn 62 in a few months. I've been going round and round whether to take ss at 62 or get a part-time job. I do have a few ira accounts, totaling around $426k. I really don't want to start withdrawals from those for a at least around five years.
I hear you. Use a few good online calculators to run different scenarios based on all of your upcoming income, so you can see how everything plays out depending on the target age for withdrawals.
Generation Jones Boomers (younger boomers) vs. Older Boomers = economic difference.
Agree!
I am trying to calculate my funds but it ALWAYS comes up SHORT. More needed. MORE. MORE! Inflation. Uggh.
Save, save, save, as much as you can.
Very nice,Thank you so muuch❤
My pleasure! What other topics would you like for me to explore?
If you are 60 and live to the average age of 78, you have 938 Saturdays left. No guarantee for tomorrow.
The truth!
What an offensive video...
What do you find offensive?
Obviously if you are a liberal/progressive then North Jersey is your heaven......NO THANKS 😂
Depends on your priorities for living locations.
Excellent discussion. Thank you for sharing.
My pleasure. What other topics would like me to explore?
The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.
Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.
Very informative video, thanks.
My pleasure. What other topics would like me to explore?
The thought of retirement is overwhelming. My heart goes out to everyone who’s retired and is now relying on Social Security, only to see years of hard work and savings jeopardized by factors beyond their control-especially during such turbulent economic times.
Olga, thank you for the video, but...Not all Baby Boomers have a pension.....and the Jones Generation Baby Boomers (the second half of the Baby Boomers) had lots of recessions etc. headwinds to deal with.... So did everyone else, including younger generations today Millenials, Gen Y, X, Z. So....no one has had it easy, really. But Jones Generation have not had it cushy....and sometimes presenters on UA-cam lump everyone together, incorrectly. Good luck to us all ✨😊✨ and I wish you a nice day!
Agreed! What other topics would like me to explore?
And this is why the 30 years olds are choosing not to have kids.
And many are delaying getting married, having kids and buying homes.
It's really too bad that the assisted living industry exploits American seniors. Cost of senior living is prohibitive at an average of $5,350.00 per month. I would say that's criminal behavior on the part of these assisted living homes. No wonder seniors want to age in place, I don't blame them.
Agreed, it's very expensive. There is no easy solution to this and will only become more challenging as more boomers age.
Cheaper to add an elevator on stairs than move to another home in many cases. Lady who moved out of my place (1800sq ft 2 storey) paid $160k more to buy a one floor, 1500 sq ft condo across the block. Single storey are in high boomer demand! Perfect size from most retirees is two / two plus den or 2/2.5 plus a den or common area in middle. Golden girl setup.
True. I always tell my clients to do pros and cons about staying and moving and consider their health in the next 10-20 years.
My dad passed at 56, his dad at 55 (from two totally different reasons). I am going to be 63 in less than a month. I feel like I've been pushing the envelope! I keep my health in check. The people I work for who are both younger than me are retiring in June, and the business will be closing. My wife is now 61 and plans on retiring when she's 67. She has a great job and gets 5 weeks of vacation (I only ever got 2). She is happy that we will be able to go on more camping trips starting next year.
I would not buy a larger home to have a parent move in....larger mortgage.....when the parents are gone you are left with a larger mortgage and home than what you want. Maybe look at putting a portable wall around a dining room and adding movable stairs inside and out for the senior. There may be some grants to help with this. A discussion about what the parent(s) can contribute to the household will be important. As a side note, I have seen that older people who stay in smaller homes seem to be able to live and die there ("feet first" as many seniors have told me) and I have seen older people who have, throughout the years, bought up and up, end up in a small rental in their latter years. I think staying in a small home helps financially. They also have something to pass on to their kids. Good luck to us all ✨😊✨.
Agree. Everyone has their own unique situation to decide on.
That's very depressing.
It's food for thought, to help you move forward.
Retire april 2025🎉
Amazing news! Happy New Year! May the first year of retirement be full of excitement and new memories!
Don’t retire just work in something you enjoy. So many people die shortly after retirement regardless of age. Keep being useful, keep moving and keep your mind active.
Agree 300%!!!
Every time the clock ticks you are one second closer to the end, put that in your rock n roll I saw a guy retire, he clocked out after his last shift and dropped dead walking to his car. He had worked till 70, "I want all the money I paid in"
For Florida, look at the cost of HOA before you buy an house there.
100% and what HOA dues cover and don't cover. Cost of water?
They go up too!
All studies show that people who retire early often have a declined mental and physical state ,you so the time you're talking about would be low quality trash Plus, most people now a days don't have much money - you will retire from living in a 1 bedroom studio to moving into your car & you won't have any money to travel 😂
It's all true - better to live now vs later 👀
So more of the same...
I have been retired for five years now. Although I've been adhering to the 4% rule, things are challenging as I did not anticipate. 30% of the $600K I invested in st0cks is lost to the market. How can I diversify my portfolio for retirement
Now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I needed a good boost to help my dwindling stock portfolio stay afloat, hence I came across an expert who helped a lot to grow my port-folio from $275k to approx. $850k in two years.
Average 90 years I don't think so more like 80 years
Longevity is now projected in mid 90s.
Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement.
Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.