EconomymultigenerationalReal EstateSANTA CLARA COUNTYWealth May 11, 2022

Why Diversifying Your Concentrated Portfolio Is A Smart Move

The Bay Area is a hub for many industries, including tech, and investors here often find themselves with a concentrated portfolio due to restricted stock grants and incentive stock options. If this describes you, take note: Diversifying your investments can be a smart move.
Lynne MacFarlane Blog - What does job market mean to real estate market?
Silicon Valley tech employees have been jolted by their stock options performance lately. At Intero Los Altos’ Monday office meeting, our title company rep brought up a point reminding us that in 2009, people who sold their stocks to buy residential real estate have done very, very well!
The Bay Area has historically been home to many companies that offer stock incentives to high-level executives. If you’re a leader in one of those companies, you may hold far too high of a percentage of wealth in your employer or previous employer’s stock. Here’s a recent article which considers the recent plunge in technology shares providing investors with a harsh lesson in that can hamper employee retention and threaten cash flow when share prices collapse.
“As stock prices fall, companies may have to offer employees even more shares to achieve the same compensation levels.” Here are companies that heavily rely on employee stock rewards.
Having a large percentage of your holdings in a single company can help you build wealth quickly when that company is on the rise. However, that same volatility can wipe you out if something goes wrong.
It may seem counterintuitive to cash out stock options now. Nobody wishes to cash in when their stocks are plummeting, but remember that nobody wants to let go of their stock when it is skyrocketing either. Real estate is a safer haven during times of inflation. It appreciates over time and it’s tangible. There are many ways to profit from real estate, from cash flow of rental properties to
appreciation of assets.
Consider balancing your asset class portfolio and cash out. Why not buy a multigenerational house? Think of an extra guest space for relatives visiting, building an ADU, or buying a property under $800K (I can suggest several areas). Real Estate can create passive income with lower volatility and that might be the right move for you.
Let me know if you would like a no pressure introduction to our financial wealth advisors providing Intero concierge service and advice before making any financial decisions.
Also please keep in mind that I’m always available to help your family/friends with any real estate or financial questions.
Lynne Watanabe MacFarlane, Realtor
Intero | Berkshire Hathaway affiliate
408-800-1141 or 831-346-2743
Inherited propertyinvestorsReal EstateRetirementTaxTax Relief April 23, 2022

CUSTOMIZED FINANCIAL PLANNING & ADVICE FOR OUR CLIENTS

LIVE YOUR BEST BAY AREA LIFE

Summitry helps clients maximize the benefits of living in one of the most unique areas in the world.
Their personalized financial planning guidance and investment strategies are specially suited for life in the Bay Area. Here are a few examples on how they can assist you and your family make informed financial decisions.

Find out More at www.summitry.com

Lynne Watanabe MacFarlane

MCDM, SRES, SRS | Realtor DRE# 02066698

Master of Communication Digital Media, Marketing from Univ of Washington

Senior Real Estate Specialist, Adv certification Seller Representative Specialist, Adv certification

Professional Fiduciary Association of California, Silicon Valley affiliate

Intero | A Berkshire Hathaway Affiliate

phone 408.800.1141 or 831.346.2743

 

EventsOpen HouseSanta Cruz County August 22, 2021

Open House + Tech Talk at Spectacular New Construction 12 Panorama Lane in Santa Cruz [Video]

Join us at 12 Panorama Lane Santa Cruz in the gated community of Pasatiempo.

Jennifer Cosgrove and Lynne MacFarlane at 12 Panorama Lane Santa Cruz, PasatiempoThis Saturday we will be highlighting the property’s expansive indoor/outdoor living spaces, perfect for entertaining guests and clients.

We will be hosting a tech talk featuring guest speaker Druce MacFarlane, Head of Threat Intelligence and Analytics at Infoblox.

“Cybersecurity: Home Edition” will be about things you can do to protect yourself against hackers. Join us for refreshments & the grand tour of the property.

Open House + Tech Talk 12 Panorama Lane Santa Cruz

Aug 21 Saturday 1 PM – 4 PM

2,500 SqFt indoor/outdoor patio living space, perfect for entertaining also with 2 gigantic garages perfect for auto enthusiast, movie/game entertainment or artistic studios.

4 Bedrooms, 3 Baths 4,678 SqFt Living space

Learn more about 12 Panorama Lane Santa Cruz https://bit.ly/PasatiempoModernLuxury

Call for private tour

JENNIFER COSGROVE | Realtor Intero Real Estate Services, Inc. | a Berkshire Hathaway affiliate

Executive Circle Top 10% | Intero Value Award Winner

408.930.8425

DRE# 01334273

 

LYNNE WATANABE MACFARLANE, MCDM, SRES, SRS | Realtor

Intero | A Berkshire Hathaway Affiliate

PFAC Silicon Valley affiliate

phone 408.800.1141 or 831.346.2743

DRE# 02066698

SANTA CLARA COUNTY July 13, 2020

Know Why Tech Hubs in the S.F. Bay Area / Silicon Valley Have Edge in the Housing Recovery

Tech Hubs, such as #SanJose, #Sunnyvale, #santaclaracounty may have the edge in the housing recovery. “New supply” and “pace of sales” remained below during COVID19/SIP January, but in the West Coast, by June 21, it surpasses and continues to lead the recovery with the overall index now visibly above the pre-COVID benchmark.

What’s Driving Our Recovery?

1) Weather 2) COVID-19 containment 3) Economic resilience are three key factors driving regional differences in the housing recovery.

Realtor’s previous study about the spread of COVID-19 is closely linked to the housing slowdown, with markets with higher cases per capita more likely to see a bigger impact on supply and the pace of sales. It found that the speed and sustainability of the reopening, and each market’s ability to contain COVID-19, are dictating the speed of recovery across the regions.

Lynne MacFarlane, MCDM, SRES Reatlor blogs about market data happening during CVD-19 / SIP in Silicon Valley

Resilient economies may have an edge in the housing recovery, and areas with strong job markets before COVID-19, especially those with thriving #tech sectors, are seeing buyers and sellers reconnect faster than the rest of the country.

Lynne MacFarlane, Realtor discusses why Tech Hubs are helping to pull the real estate market strong

Yep, “West Coast rocks!” says this proud NorCal gal! 🙂

If you have any questions, or looking to relocate and would like any market stats or reports about schools in your desired area, I’m always happy to assist you in your next transition or move.

Lynne MacFarlane Homes

Los GatosOpen House June 22, 2020

NEW LISTING! 21471 Lee Drive Los Gatos – Redwood Estates 95033

Shhh~ I’ve got a secret. It won’t last long, especially at this list price and it has Los Gatos schools, sits quietly among ancient redwoods and at the end of the cul-de-sac right next to the HOA greenbelt! Come with me and make this your private 2BD, 2BA cabin in the woods, ideal for someone who’s looking for that down to earth country lifestyle but still close to downtown Los Gatos (10 mins) and surfing in Santa Cruz (20 mins); Redwood Estates has it’s own fire station, USPS, country store and more!

List price $699,000.

Property website: https://bit.ly/21471LeeDr 

Los GatosReal EstateSANTA CLARA COUNTYVideo June 2, 2020

New Listing!! 21471 Lee Drive Los Gatos – Adorable Cabin in the Woods [Video]

2 Bedroom, 2 Bathroom Building: 1,100 SqFt Apprx Lot: 18,797 SqFt

List Price: $699,000.

Who knew you could get away from it all, while so close to town!

This rare opportunity for a charming 2BD, 2BA mountain getaway sits in desirable Redwood Estates adjacent to the community protected open green space. Stairs bring you down to this secluded cottage, not visible from the street. This beloved cozy mountain cottage has been completely remodeled from ground up, with a 1 BD 1 BA unit upstairs, and a separate entry to the 1 BD 1 BA downstairs (can easily be used as partial rental). Custom Alderwood cabinetry, 2 brand new decks & steps to separate entry, new dishwasher, new low profile microwave, new interior paint, new carpet in bedrooms, and beautiful views from every window. Central heat, inside laundry, plenty of storage.

Make this secret mountain cottage yours! Private community pool access only for Redwood Estate residents.

Easy hop on Hwy 17, 10-minute commute to downtown Los Gatos, top Los Gatos schools, 20 minutes to Santa Cruz. Schedule a tour today (below).

Welcome home!

 

Visit the property website: https://bit.ly/21471LeeDr

Schedule a tour: https://bit.ly/CozyCabinLeeDrive

Community StoriesSANTA CLARA COUNTYseniorsShelter in placeSRESSunnyvale May 19, 2020

Highlighting The Essential Business Of Caregiving (Video Interview with Home Instead, Leslie Kefer)

As a Senior Real Estate Specialist (SRES), part of my expertise is to introduce features of a home for “Aging in Place” to prospective clients. I often introduce local businesses to clients which can extend living at home longer. As we all shelter in place, we’re learning that the senior population requires more care and assistance during this pandemic. It’s necessary to learn what resources are available to fit you and your family’s needs during this time of crisis. In this video, I interview Leslie Kefer, Director of Home Instead, covering the San Francisco Mid-Peninsula (Belmont, San Carlos, Redwood City, Palo Alto and Mountain View); she explains the process of hiring a professional caregiver and what necessary precautions it takes to continue business during shelter in place.

If you have any questions about caregiving needs, please reach out to either Leslie or me.

Leslie Kefer, Home Instead Senior Care (650) 691-9671

Thanks!

Lynne Watanabe MacFarlane, MCDM, SRES | Realtor
PFAC Silicon Valley Affiliate
Intero | A Berkshire Hathaway Affiliate
phone 831.346.2743 mobile
lmacfarlane @ Intero.com DRE# 02066698

 

Lynne MacFarlane Homes

Open HouseReal Estate May 14, 2020

Virtual Open Houses – Lynne MacFarlane, Realtor

Lynne MacFarlane, Realtor does Virtual Open Houses following CDC guidelines

Sheltering in place doesn’t mean real estate transactions have stopped.

I’ll be hosting virtual open houses which allows prospective buyers to see properties from the comfort of their home, while remaining compliant with the SIP mandate.

Call me today if you’re interested in buying or selling a home.

Thank you and stay well!

 

Lynne MacFarlane, MCDM, SRES

PFAC affiliate, Realtor

DRE #02066698

(831) 346-2743 mobile/ Lmacfarlane@intero.com

www.lynnemacfarlane.com

 

Lynne MacFarlane Homes

Real EstateShelter in place April 21, 2020

Preparing A Listing During Shelter In Place [Video]

Under NAR and CDC guidelines essential businesses such as work of realtors (buying/selling real estate) are able to help our clients under SIP- we’re preparing this 2BA/2BA single family home in desirable Redwood Estates, Los Gatos.

Hope you are well, let me know if you need any assistance with any real estate or have any questions on how we do business under the new restrictions and as always, I’m always here to help you move forward with life. Be well!
#realtor #sellinghomes #flattenthecurve #interorealestate

ArticlesEconomyHomeownersMONTEREY COUNTYReal EstateSAN MATEO COUNTYSANTA CLARA COUNTYSanta Cruz County March 23, 2020

Will The Corona Virus Create A Housing Crisis …And Our New Norms

Lynne MacFarlane, Realtor - Together, we got this!

I provide a Home & Lifestyle Consultation to prepare what buyers want now! Today’s modern savvy realtor uses virtual real estate technologies. I provide what buyers and sellers truly want in experience and safety. Click on image to learn more!

Concerns about the impact COVID-19 will have on the global and local economy are real. They’re scary too as the health and wellness of our friends, families, and loved ones are high on everyone’s emotional radar.

While we don’t know the exact impact the virus will have on the housing market, we do know that housing isn’t the driver as it was in 2008.

Lynne MacFarlane Realtor explains

A Recession Does Not Equal A Housing Crisis:

  • The COVID-19 pandemic is causing an economic slowdown.
  • The good news is, home values actually increased in 3 of the last 5 U.S. recessions and decreased by less than 2% in the 4th.
  • All things considered, an economic slowdown does not equal a housing crisis, and this will not be a repeat of 2008.

As our country begins to collectively roll out shelter in place, I hope we can come together, take the time to share gratitude; let’s remember that this will pass. As a country we’ve experienced multiple divisive events such as Civil War, WWII, and more recent traumatic events as 9/11. The concerns about an impending recession are real, but housing isn’t the driver. During the Dot.com bubble starting in late 90’s, a period of massive growth of Internet & telcos, in 2002 (the dot.bomb) I personally would have lost my entire wealth because I was young (& mostly naive)  never imagined stocks could crash! The only thing that helped preserve it was a little Los Altos house we divested. I sure am grateful for owning real estate – I am not a financial planner by any means, but I am conservative and because I’ve seen these recessions I advise my buyers to diversify their portfolios; try to have 6 months to a year’s worth of savings, have savings that are a mix of stocks, bonds, mutual funds but work towards owning property.  the SF Bay Area our homes are not only places to live, but a wonderful wealth generating asset over time. With our current ongoing global uncertainty, including a U.S. stock market correction, no one could have seen coming. We first should do what’s best for our country, and for our families and that is to take care of one another. 

Let’s fight this COVID-19 epidemic together by staying indoors & practicing social distancing, and checking up on loved ones and neighbors. 

 

Lynne MacFarlane says "No Dancing"

Take care of your needs now & let me know if I can help in anyway!

We’ve got this!

Lynne MacFarlane Homes

 

Lynne MacFarlane, MCDM, Realtor, PFAC affiliate

DRE# 02066698

(831) 346-2743 text/voice anytime