$30,000 :: 8443 REPUBLIC AVE, Warren MI, 48089

2 beds, 1 bath
Home size: 1,096 sq ft
Lot Size: 4,791 sq ft
Added: 08/19/17, Last Updated: 08/19/17
Property Type: Single Family
MLS Number: 21358738
Community: Warren (50023)
Tract: PIPER’S VAN DYKE # 07
Status: Active

Land contract terms available! $10,000 down, $500/mo. over 3 years! Good opportunity for the right buyer. Home needs roof and repairs throughout, great project for a handy person to fix up for sweat equity. Previously rented, upper level could possibly be converted to a 3rd bedroom, would also make a good investment property once finished. Buyer responsible for utility turn on and city inspection. C of O required. Home being sold AS-IS, cash, 203k and land contract terms available only. Proof of funds for cash and down payment for LC required for showings.

Listed with Keller Williams Troy Mkt Cntr


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$29,900 :: 13164 SHERMAN, Warren MI, 48089

Warren, MI Properties
Property Photo

4 beds, 1 bath
Home size: 900 sq ft
Lot Size: 0 sq ft
Added: 08/18/17, Last Updated: 08/18/17
Property Type: Single Family
MLS Number: 21358363
Community: Warren (50023)
Status: Active

** INVESTMENT PROPERTY ** 4 bedroom bungalow with large backyard in prime rental neighborhood. Home does need minor improvements to become move in ready. Bathroom floor, toilet, and vanity are all brand new. This home features maintenance free vinyl sidings and windows along with a new back porch. Call listing agent to schedule a showing

Listed with Red Carpet Premier LLC


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$69,900 :: 8449 N KENNEDY CIRCLE #4, WARREN MI, 48093

Warren, MI Properties
Property Photo

2 beds, 1 bath
Home size: 995 sq ft
Lot Size: 0 sq ft
Added: 08/18/17, Last Updated: 08/18/17
Property Type: Condo/Townhouse/Co-Op
MLS Number: 58031328704
Community: Warren
Tract: Coach Light Manor
Status: Active

First floor condo unit located in the Warren City Center. 2 bedroom, 1 bath. All kitchen appliances and washer/dryer included. Each unit has its own laundry and storage unit. Nearby restaurants, city civic center and freeways. Association fee of $209.50 includes water and gas. Keys at closing.

Listed with Century 21 Town & Country-Clinton


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$56,000 :: 11275 JEWETT AVE, Warren MI, 48089

Warren, MI Properties
Property Photo

3 beds, 1 bath
Home size: 910 sq ft
Lot Size: 5,662 sq ft
Added: 06/14/17, Last Updated: 08/17/17
Property Type: Single Family
MLS Number: 21308522
Community: Warren (50023)
Tract: DALBY & CAMPBELL VAN DYKE
The price of this listing was last reduced on 7/19/2017 by 4%
Status: Sold

Rental house – tenant (for 2 years) pays $850 per month and is on a month to month lease. Quiet and cozy – walk to park. Nice sized backyard with a 1 car garage. A/C runs cold! BATVAI. Room sizes are estimated. Buyer pays listing broker $495 at closing. 24 hour notice ALL requests via showingtime plz. thank you

Listed with Metro Detroit Real Estate LLC


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$119,000 :: 23910 MASCH, WARREN MI, 48091

Warren, MI Properties
Property Photo

5 beds, 2 baths
Home size: 1,500 sq ft
Lot Size: 13,068 sq ft
Added: 08/17/17, Last Updated: 08/17/17
Property Type: Single Family
MLS Number: 58031328574
Community: Warren
Tract: Ranchwood
Status: Active

Don’t miss this one of a kind home on a beautiful street in Warren!!! This 1650 sq. ft. home features 4 bedrooms (possibly 5), 2 full bathrooms and a very deep lot that is fully fenced. Newer roof (4 yrs.), hot water tank (5 yrs.), and laminate floors (6 yrs). Windows replaced in 2010, siding and gutters over block structure in 2003, central air and furnace in 2005 and updated front bath in 2002. Back 2 bedrooms and full bath were added to original home aftr 2001! Back and front porch were added in 2002 and insulated garage and opener about 5 years ago. All Appliances Stay.

Listed with RE/MAX First


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$99,900 :: 27141 CAMPBELL Road, Warren MI, 48093

Warren, MI Properties
Property Photo

4 beds, 2 baths
Home size: 1,276 sq ft
Lot Size: 9,147 sq ft
Added: 07/14/17, Last Updated: 08/17/17
Property Type: Single Family
MLS Number: 217059661
Community: Warren
Tract: LEWIS I CARRIER CLOVERLY
Status: Active

Great opportunity on this 4 bedroom, 2 full bath, home with a basement and a garage on a fenced lot. Home has great curp appeal with an enclosed front porch and a covered back deck. Two car detached garage. The yard has 2 large mulberry trees that are full of fruit. Main floor has a kitchen, formal dining room, living room, 2 bedrooms and a bath. Lots of original woodwork. Upstairs was used as a separate apartment in prior years with a 2nd kitchen, 2 bedrooms, family room, and full bath. Immediate occupancy available.

Listed with Realty Executives Main St LLC


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The Best Way to Invest Money You May Not Ever Need

Warren, MI Properties

(TNS)—Having money sitting in an individual retirement account that you won’t need to spend anytime soon—or maybe you’ll never want to spend—is a First World retirement problem.

Yet financial advisers have answers for the well-heeled retirees who find themselves in this fortunate situation.

If you are in that lucky group, consider these strategies on the best way to invest with your IRA or other retirement accounts when you don’t really need the money.

Take a Bigger Risk
If your primary goal is maximizing what you leave behind to your heirs or charity, you have more freedom than most.

If you don’t need the money right away, you can be more aggressive with your investing, says Jamie Hopkins, a professor at The American College of Financial Services and co-director of the New York Life Center for Retirement Income.

While the conventional wisdom for retired investors is to stick to a mix of about 60 percent bonds and 40 percent equities, if you won’t need to spend the money, Hopkins advises putting 80 percent in stocks and 20 percent in bonds.

If your money is in a target-date fund with a target set at the year you retired or were scheduled to retire, at this point it is probably mostly invested in bonds. If you like the set-it-and-forget aspect of a target-date fund, Hopkins suggests that you simply move your money to a target date 2050 fund, which will have a bigger allocation to stocks.

Consider a Roth Rollover
Beginning at age 70, the IRS requires you to take required minimum distributions, or RMDs, from your traditional IRA and pay taxes on the money. Instead, consider converting your traditional IRA to Roth IRA, on which RMDs aren’t required.

Do it over a five- to eight-year period, says certified financial planner Leon LaBrecque, CEO of LJPR Financial Advisors in the Detroit area. “You’ll still owe the IRS taxes when you convert, but you’ll have more strategies to manage—and lower—the bill.”

If a Roth conversion doesn’t seem like the right idea for you, LaBrecque suggests that you ask your accountant to estimate how much you’ll owe in RMDs over the next five to 10 years and invest that amount conservatively, so you’ll have it when you need it. Then you can safely be more aggressive with the remainder.

“After you have dedicated money to the RMD, I’d invest the rest in equities,” LaBrecque says.

Choose a QLAC
Qualified longevity annuity contracts, or QLACs, can be purchased within an IRA or other tax-advantaged retirement fund. These are a type of deferred annuity that will provide you with a regular income later in retirement. You don’t have to start taking the money until you are 85, and, in the meantime, the amount used to purchase the QLAC is sheltered from RMDs.

“I like them,” says Hopkins. “Put $125,000 (the maximum allowed by the IRS) in a QLAC, and you are protected from RMDs for the next 15 or 20 years (until you turn 85).”

What if you don’t make it to age 85? “Buy it with a return of premium so if you die earlier than expected, your heirs get the money back. It’s a good longevity hedge,” Hopkins says.

The return on investment isn’t great, he adds, but wealthy people tend to live longer than others, making it a better investment for them.

Think Really Long-Term
When determining the best way to invest money you don’t think you’ll need, consider the risks that everyone else needs to worry about: inflation and longevity.

“You might be retired for longer than 30 years,” says Maura Cassidy, vice president of Retirement at Fidelity Investments. “You have to keep ahead of it; you need inflation coverage.”

In other words, someday you may need that money. Cassidy says that while you might invest less cautiously than some people whose margins are thinner, you shouldn’t go crazy.

If you have more than you need, consider delaying the day when you invest more conservatively, she says.

“Our research indicates that retirees should be at 60 percent bonds, 40 percent stock allocation at age 65. That’s a good allocation for 15 or 20 years. Then you should sell off even more equities, so that by the time you are 80, you’re at 80 percent bonds and 20 percent equities.”

But if at age 80, you still don’t need the money, she says, “Slow it down. You might wait until age 90 to go to 20 percent equities.”

Visit Bankrate online at www.bankrate.com.

©2017 Bankrate.com
Distributed by Tribune Content Agency, LLC

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$139,900 :: 27437 HAVERHILL DR, Warren MI, 48092

Warren, MI Properties
Property Photo

3 beds, 1 bath
Home size: 962 sq ft
Lot Size: 6,969 sq ft
Added: 07/21/17, Last Updated: 08/16/17
Property Type: Single Family
MLS Number: 21344591
Community: Warren (50023)
Tract: MORNINGSIDE MANOR # 03
Status: Sold

Renovated ranch move in ready! pack your bags and get ready for your new home. new Kitchen with granite,cabinets,tiled back splash and stainless steel appliances. all new plumbing,fresh pain,flooring,light fixtures and so much more! seller is a licensed real estate agent. partially finished basement with 1/2 bath. attic fan.

Listed with RE/MAX Metropolitan


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$150,900 :: 29517 WOODPARK CIR, Warren MI, 48092

Warren, MI Properties
Property Photo

3 beds, 2 baths
Home size: 1,670 sq ft
Lot Size: 0 sq ft
Added: 07/19/16, Last Updated: 08/16/17
Property Type: Condo/Townhouse/Co-Op
MLS Number: 21191937
Community: Warren (50023)
Tract: CREEKS EDGE AT HERITAGE VILLAG
Status: Sold

*New Construction*Unit Not Completed*Model Open: Tues, Wed & Fri 1 pm ? 6 pm, Sat & Sun 12 pm ? 5 pm. 29307 Woodpark Circle, Warren MI 48092. Creeks Edge at Heritage Village: 2nd floor ranch. 2 Bedroom with Loft area or 3 large bedrooms with large closets, 2 full baths, Huge Great Room w/ vaulted ceilings and optional fireplace. Very nice kitchen, Standard Granite counter tops, Range, Microwave, and Dishwasher are standard, Balcony off Kitchen Nook, 1 Car Attached garage.

Listed with RE/MAX Classic


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$14,900 :: 12732 GEORGIANA, Warren MI, 48089

Warren, MI Properties
Property Photo

3 beds, 1 bath
Home size: 1,928 sq ft
Lot Size: 4,356 sq ft
Added: 05/24/17, Last Updated: 08/15/17
Property Type: Single Family
MLS Number: 21299432
Community: Warren (50023)
Tract: ARLINGTON MANOR
Status: Sold

Investor special – home needs repairs and priced accordingly. All room sizes are estimates. Sold “as-is and where-is”.

Listed with A Smart Move Realty


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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