Medical • November 4, 2025

How to Dispute Medical Bill Errors

by Jennifer Baukol

Scrutinizing a bill from your health care provider or insurer is probably one of the last things you want to do after getting out of the hospital, but it can pay off.

Medical bill errors should be corrected so that you don’t have to pay for a service you didn’t receive, for example, or for medication that was ordered for you but you didn’t use while in the hospital, among other potential errors.

Here are some ways to dispute medical bill errors so that your insurance company doesn’t overcharge you:

Get an itemized bill.
Some medical providers may only send a “bottom line invoice” with a total amount due. Ask for an itemized bill that fully explains the charges. If you’re unsure what a charge is for, ask the provider.

Document and compare.
You or a family member should document what medicines you received and when during your hospital stay. It will help you dispute any unnecessary charges.

Once you have an itemized bill, compare it to the explanation of benefits from your insurance company or your medical chart. The explanation of benefits is sent to you by your insurer, and hopefully you’ve kept it. It may charge for a chart, which should match the services listed on the bill.

Notify the biller, then others for help.
Any errors you find should first be taken up with the healthcare provider’s billing department. It may audit the bill, asking you to provide evidence or documents to back your claim.

If it won’t correct the bill, ask your insurance company for help. You can also file a complaint with the state medical board or hire an attorney.

You can also hire a patient advocate who works on billing disputes. Such services include HealthCPA and Medical Bill & Claim Resolution. They can appeal erroneously denied charges and guide you through your insurance plan’s appeal process.

Companies such as Simplee offer free online services to gather your medical bills and insurance payments so its software can find if there are any mistakes.

Follow up.
Lastly, when you appeal a bill or are told a problem is being fixed, follow up with a phone call or letter to ensure it has been resolved. Upon first contact, ask for an estimate of how long it will take to fix the issue, and contact them on that date.

If you don’t understand something, ask. It’s your right as a patient to be involved in your billing just as you’re involved in your medical care.

Final Thoughts

Ready to get started?

Let’s talk timing, staging, and strategic marketing and get you positioned for top dollar in NY and CT luxury markets.

Contact a Senior Real Estate Specialist

Navigating the sale of a family home can be complex and emotionally taxing. As a senior real estate specialist, I can help guide you through this process with expertise and compassion. Feel free to reach out to me for personalized assistance.

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

White Plains Local Real Estate. Scarsdale Real Estate. New Rochelle Real Estate. Rye Real Estate. Rye Brook Real Estate. Larchmont Real Estate. Harrison Real Estate. Purchase Real Estate. Edgemont Real Estate. Tarrytown Real Estate. Armonk Real Estate. Greenwich Real Estate. Old Greenwich Real Estate. Stamford Real Estate. Darien Real Estate. Local Realtor. Get Organized. Selling Home. Westchester County, New York. Fairfield County, Connecticut. Selling your home. Downsizing.

Sellers • September 15, 2025

5 Ways to Find Out What Your Home Is Worth…and Why Online Estimators Can Be Wrong

by Jennifer Baukol

5 Ways to Find Out What Your Westchester Home Is Worth

(And Why Online Estimators Can Be Wrong)

If you’re a homeowner in Westchester County, NY, chances are you’ve wondered what your property is really worth. Especially in today’s dynamic market. While online estimators like Zillow’s Zestimate or Redfin’s Estimate offer quick answers, they often miss the mark. Here’s how to get a more accurate picture of your home’s value and why relying solely on online tools can be misleading.

1. Comparative Market Analysis (CMA) by a Local Agent

A CMA is one of the most reliable ways to determine your home’s value. Real estate agents use recent sales of similar homes in your neighborhood to assess your property’s worth. They factor in square footage, lot size, condition, upgrades, and location nuances. Things online estimators often overlook.

Why it’s better than online tools: Agents know the local market intimately. They can adjust for things like school district desirability or proximity to transit, which algorithms can’t always quantify.

2. Professional Appraisal

Hiring a licensed appraiser gives you an unbiased, expert opinion. Appraisers use standardized methods and in-person inspections to evaluate your home’s condition, features, and market trends.

Try companies like Connect Appraisal can assist you with this. Website

Best for: Refinancing, estate planning, or preparing for a sale where accuracy is critical.

3. Reviewing Recent Sales Yourself

You can do some legwork by checking recent sales in your neighborhood on platforms like MLS, Redfin, or Realtor.com. Look for homes similar in size, age, and style, and adjust for differences.

Tip: Be cautious about using homes that sold under unusual circumstances (e.g., foreclosure or estate sales), as they may not reflect true market value.

4. Using County Tax Assessments (With Caution)

Westchester County provides assessed values for tax purposes, which can offer a baseline. However, these values are often outdated or based on mass appraisal techniques.

Why it’s limited: Tax assessments don’t account for renovations, market shifts, or unique property features.

5. Online Estimators (Use as a Starting Point Only)

Sites like Zillow, Redfin, and Realtor.com use automated valuation models (AVMs) to estimate home values. These tools pull data from public records and recent sales, but they can be off by tens of thousands of dollars.

Why they can be wrong:

Outdated or incorrect public records (e.g., missing renovations)
Lack of local context (e.g., school district boundaries or neighborhood appeal)
Inability to assess condition or upgrades (e.g., a new kitchen or roof)
Algorithm limitations (e.g., comparing homes across very different areas)

Final Thoughts

Your home is likely one of your biggest investments, and knowing its true value is essential. Whether you’re selling, refinancing, or just curious. While online estimators are convenient, they should never be your only source. For Westchester homeowners, combining local expertise with professional tools is the key to getting it right.

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Downsizing • SRES • September 5, 2025

“Please Don’t Put Me in a Nursing Home…”

by Jennifer Baukol

Senior Real Estate Specialist - Staying at Home Safely - Downsizing

How Families Can Help Loved Ones Stay Safely at Home

It’s a plea I’ve heard many times in my work with older adults and their families:
“Please don’t put me in a nursing home.”

For many seniors, the thought of leaving their home and moving into a nursing facility is their biggest fear. In fact, studies show that losing independence and the ability to live at home ranks among the top concerns for aging adults. Even above serious illness.

As a Senior Real Estate Specialist with nearly two decades in real estate and home care, I understand the deep emotional connection people have to their homes. These walls hold memories of family dinners, celebrations, and everyday life. The idea of leaving it behind can feel like losing a part of themselves.

Why Seniors Fear Nursing Homes

The fear isn’t just about location. It’s about lifestyle, dignity, and control. Many older adults worry about:

Strangers caring for them instead of family.
Losing the ability to make their own daily decisions.
Being far from their community and friends.

While nursing homes are necessary for some situations, the good news is that there are many ways to age in place. Staying in your own home safely for as long as possible.

How to Help a Loved One Stay Home Longer

From my combined experience in senior real estate and home care, I’ve seen first-hand that with the right support and planning, staying at home can be a safe, healthy, and fulfilling option. Here are a few steps families can take:

Home Safety Assessments: Identify and address hazards like loose rugs, poor lighting, or steep stairs.
Supportive Services: Consider part-time caregivers, meal delivery, or cleaning help.
Technology Solutions: Use fall detection devices, medication reminders, and video check-ins.
Rightsizing When Necessary: Sometimes, moving to a smaller, more manageable home is the key to staying independent.
Family Communication: Have ongoing conversations so no one feels pressured or blindsided when changes are needed.

My Role as a Senior Real Estate Specialist

I don’t just step in when it’s time to sell. I work with families long before that stage, offering guidance on safe living at home, connecting them with trusted care providers, and helping them explore all their housing options.

When the time is right to move,

I’m here to make the transition as smooth and stress-free as possible. But until then, my focus is on preserving safety, independence, and quality of life at home.

If you or someone you love is starting to think about future living arrangements, whether it’s aging in place, downsizing, or finding a senior community, let’s talk.

I’ll help you explore every option without added pressure.

📞 Call/Text: 914-584-2211
📧 Email: Jennifer.Baukol@CBRealty.com
💻 www.JenniferMBHomes.com

Your home, your life, your choice — I’ll help you protect it. 💙

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Global Luxury • Sellers • August 5, 2025

Timing the Market to Sell Your Home

by Jennifer Baukol

Why Every Season Can Be the Right Season

Selling a high‑end, lifelong family home in Westchester or Fairfield? It’s all about being market‑ready, or “Camera Ready” as I put it, not just waiting for spring. Here’s how each season brings its own magic and why hiring me as your listing agent is the best timing of all.

🌷 Spring: The Classic Crowd‑Pleaser

Curb appeal at its peak: Blooming magnolia trees, fresh grass, and cheerful gardens make luxury properties shine mid‑April through early May. That’s historically the sweet spot when homes get more views, sell faster, and fetch up to $4,800 more on average. Some studies show mid‑April listings could sell for as much as $27,000 more than earlier in the year.
Families on the move: Buyers want to close before school starts. Spring gives them time. Expect multiple offers, especially if your home is priced right and beautifully presented.

☀️ Summer: Let Your Property Flex Its Seasonal Strength

Outdoor luxury sells: Pools, patios, decks, and sprawling gardens look incredible under bright summer skies.
Still hot but more selective: Even though inventory remains low, buyers in these months know what they want. Well‑located and move‑in ready homes often spark bidding wars in June, July and August.

🍂 Fall: A Strategic Second Spring

Cozy turns buyers’ hearts: Crisp air, glowing interiors, fireplaces, these sell emotional value. In Westchester and Fairfield, fall sees a second wave of serious buyers.
Less competition than spring: With fewer listings on the market, your high‑end home can truly stand out and buyers are often serious and motivated Investopedia.

❄️ Winter: The Quiet Advantage

Serious shoppers only: Holiday and winter buyers often relocate for work, need to move quickly, or simply have strong intent.
Lower inventory = more visibility: With fewer homes for sale, yours commands attention. Festive décor can even enhance emotional appeal just make sure walkways are clear and inviting.

📈 Why “Market‑Ready” Beats “Perfect Season”

According to Westchester pros:

“The best time to sell your Westchester property is when you, and your property, are market‑ready”

Even Westchester Magazine agrees:

“Don’t get hung up on timing … if your home is ready to go to market, don’t hold off. List it!” Westchester Magazine.

Local stats back that up:

In Westchester County, approx. 56% of homes now sell for more than list price, often driven by cash buyers.
In Fairfield County, median sale‑to‑list price ratios are near 101%, with average days on market down ~38%, and median prices rising over 5–7% year‑over‑year.

For luxury listings, monthly median prices have grown modestly—1.6% year‑over‑year for single‑family homes—even though homes may take longer to sell (roughly 23 % more time than last year) luxuryhomemarketing.com.

🧰 Tips for Getting That Dream Offer Anytime You List

Strategic pricing: Start at or just under market value to spark multiple offers, especially in competitive high‑end markets of Westchester and Fairfield. https://jennifermbhomes.com/
Condition is king: Make minor repairs, freshen paint, and declutter. Invest in high‑quality photos and staging—staging or savvy agent presentation matters to upscale buyers Global Luxury
Know local comps: Use recent luxury comps in your town—from Greenwich, Darien, Rye, Larchmont, Bronxville—to set the right price.
Targeted marketing: For high‑end properties, leverage niche channels—luxury real‑estate publications, targeted MLS, editorial storytelling, and your network in Westchester/Fairfield.

🔑 Why Choosing You as Listing Agent Is the Best Time to Sell

Luxury market expertise: You understand Westchester and Fairfield County buyers—cash buyers, family relocations, school‑district driven purchasers.
Top‑dollar negotiation: You’ve seen homes sell well over listing price, with flexible closing, minimal contingencies. You know how to position a cherished family legacy property for premium value.
The power of readiness: When clients choose you, they gain a full customized launch plan—prep, staging, pricing, timing—so even if it’s February or December, your home still captures buyer attention.

📅 Quick Season‑by‑Season Snapshot

Season	Why It Works	Best If…
Spring	High traffic, strong buyer emotion	You’re ready by March / early April
Summer	Showcase outdoor lifestyle	Home has great curb appeal or landscape
Fall	Less competition, thoughtful buyers	Cozy interiors, energy‑efficient appeal
Winter	Motivated buyers, holiday cozy charm	Snow‑cleared paths, warm staging

Final Thoughts

At the end of the day, **it’s not the calendar that sells your home** it’s your home’s condition, your pricing and presentation… and your agent. You can list a beautifully prepared, well‑priced high‑end home in any season and attract top offers in Westchester County and Fairfield County.

So if you’re considering selling your cherished lifelong-family home, don’t wait for the “perfect season.” The perfect time is when YOU decide and when we’re ready together.

That moment, with me as your listing agent, is always the best time to sell.

Ready to get started?

Let’s talk timing, staging, and strategic marketing and get you positioned for top dollar in NY and CT luxury markets.

Contact a Senior Real Estate Specialist

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Downsizing • Senior Relocation • June 23, 2025

“What If My Kids Don’t Want My Stuff?”

by Jennifer Baukol

How to Navigate a Common and Emotional Part of Downsizing

You have lovingly cared for your belongings over the years. Your furniture, dishes, heirlooms, collections. Each item tells a story, holding the memories of decades past. So when it comes time to downsize and your children say, “I don’t have room for that,” or “I don’t want it,” it can be deeply emotional. Even some times painful.

First, Know This: You’re Not Alone

This is one of the most common concerns I hear from clients. And while it can feel personal, try not to take it that way. Many adult children today live in smaller homes or apartments, lead more minimalist lifestyles, or simply have different tastes. Their choices aren’t rejections of your history. They are reflections of their own lives and realities.

So, What Can You Do?

Downsizing doesn’t mean forgetting. It’s an opportunity to curate the most meaningful parts of your life and pass them on in new ways. Here are some thoughtful, practical steps you can take:

📸 1. Preserve the Story

Before letting go of items with sentimental value, take photos of them. Pair them with written memories. How you acquired them, why they mattered, what moments they were part of. This helps you (and your loved ones) keep the stories, even if the physical objects move on.

🛍️ 2. Sell What Still Has Value

Consignment shops, online marketplaces, or estate sale professionals can help you find a new home for your items. You might even enlist a family member to help with the process. They may not want the piece, but they might enjoy helping you find someone who does.

🎁 3. Donate with Purpose

Many local charities, shelters, schools, and churches welcome gently used items. Knowing that your belongings are going to someone who truly needs them can be deeply comforting. Here are a few in the Westchester County area.

GreenDrop – Greendrop.com/ny/WhitePlains
The Woman’s Club of White Plains
- The Side Door Thrift Shop – womansclubofwhiteplains.org
LiftingUp Westchester – Donate-Goods

💡 4. Keep What Truly Serves You

If an item brings you joy or has a clear purpose in your next chapter, it’s worth holding on to. Try to release the guilt of keeping something “just in case.” Instead, choose what supports the life you want to live now.

You’re Not in This Alone

As a Seniors Real Estate Specialist® (SRES), I’ve helped many clients navigate this exact situation. Downsizing isn’t just about moving. It’s about transition, emotions, and honoring a life well lived.

Whether you’re just starting to think about rightsizing or are ready to take the next step, I can connect you with trusted local resources from organizers, estate sale professionals, donation services, and more. And when you’re ready to sell your home, I’ll be by your side to make sure you get the best value while protecting your interests every step of the way.

Let’s make this next chapter a meaningful one and on your terms.

#SRES #DownsizingTips #SeniorRealEstate #Rightsizing #AgingWell #SeniorLiving #SRESDesignee

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Reference: The Center for REALTOR® Development (CRD) confers the Seniors Real Estate Specialist® (SRES®) designation, which is an official credential of the National Association of REALTORS® (NAR).

Adult Community • May 15, 2025

The Pros & Cons of Active Adult Communities

by Jennifer Baukol

Adult Community Pros and cons. Call Jennifer Martire Baukol for help navigating this process.

If you’re considering downsizing or exploring new living options for yourself or a loved one, active adult communities—also known as 55+ communities—may be on your radar. These communities are designed for independent adults aged 55 and older and offer a unique blend of lifestyle perks and thoughtful amenities. But like any major life decision, it’s important to weigh both the advantages and potential drawbacks.

The Pros of 55+ Communities

1. Low-Maintenance Living
Say goodbye to mowing the lawn or shoveling snow! Many 55+ communities include outdoor maintenance and landscaping as part of your monthly dues, freeing up your time and energy.

2. Built-in Amenities
From fitness centers and pools to walking trails and smart-home features, these communities are built with comfort and active lifestyles in mind.

3. A Strong Sense of Community
With regular events, social clubs, and group activities, residents enjoy opportunities for connection and camaraderie—key to staying mentally and emotionally healthy.

4. Simplified Lifestyle
Downsizing into a smaller, more manageable home can reduce expenses and responsibilities, allowing more time for hobbies, travel, or simply relaxing.

5. Enhanced Security
Most active adult communities offer secure entry, gated access, or on-site staff, providing peace of mind for residents and their families.

The Cons to Consider

1. Smaller Spaces
While downsizing has its benefits, adjusting to less square footage requires planning—especially when it comes to sorting or storing personal belongings.

2. Limited Age Diversity
Because these communities are age-restricted, residents may find themselves missing the energy or interaction that comes from multigenerational environments.

3. No On-Site Medical Care
These are not assisted living communities. While residents can hire outside help, additional care services typically come at an extra cost.

4. Restrictions on Younger Family Members
Rules may limit full-time residency for individuals under 55, which could complicate future plans for inheritance or cohabitation.

5. Independent Living Requirement
These communities are designed for those who do not need daily assistance. Residents must be largely self-sufficient or hire their own caregiver if needed.

Bottom Line:
55+ communities offer a wonderful lifestyle for many—but they’re not one-size-fits-all. If you or someone you love is exploring downsizing or a more vibrant social environment, it’s essential to understand both the benefits and limitations.

Need help evaluating whether an active adult community is the right fit? I specialize in senior real estate and am here to guide you through every step. Let’s chat!

Contact a Senior Real Estate Specialist

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Senior Relocation • May 13, 2025

What Makes a Retirement Hot Spot?

by Jennifer Baukol

"rightsizing" downsizing call Jennifer Martire Baukol

What Makes a Retirement Hot Spot?

Ever wonder what turns a place into a retirement hot spot? 🌟🏖️ It’s not just sunny weather (though that helps! 🌞).

Here’s what makes certain locations stand out for retirees:

🏥 Top-Notch Healthcare: Access to quality hospitals, specialists, and wellness services is a must.

💰 Affordability: Lower taxes, reasonable housing costs, and everyday expenses that fit your budget.

🌴 Great Weather: Whether it’s year-round sunshine or four distinct seasons, the climate plays a big role.

👫 Active Communities: Vibrant 55+ neighborhoods, social clubs, and plenty of activities to keep you engaged.

🚶 Walkability & Amenities: Easy access to shops, restaurants, parks, and recreational facilities.

✈️ Travel Convenience: Proximity to airports or major highways for those who love to explore.

🎨 Culture & Recreation: Art scenes, golf courses, hiking trails, or beaches—something for every interest!

🔒 Safety & Stability: Low crime rates and a sense of security are key for peace of mind.

Which of these features do you want as the backdrop for your golden years? 🌅 I’m here to help you review all the options and find your ideal spot.

Jennifer.Baukol@cbrealty.com

Contact a Senior Real Estate Specialist

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Long Term Care Insurance • April 22, 2025

The Rising Cost of Long-Term Care and How to Pay for It

by Jennifer Baukol

long-term care insurance how to pay for it.

Planning Ahead: Cost of Long-Term Care and How to Pay for It.

Did you know that nearly 70% of people turning 65 today will need some form of long-term care at some point in their lives? It’s a reality many families face, and with the cost of care expected to rise by over 30% in the next ten years, planning ahead is more important than ever.

Long-term care can quickly become a financial strain. Whether it’s in-home assistance, an assisted living community, or a skilled nursing facility, the monthly costs add up and they’re only going up.

As a Senior Real Estate Specialist® (SRES®), I work closely with seniors and their families to help them understand their options. There are several ways to pay for long-term care, including:

Long-term care insurance
- This type of insurance helps cover the cost of long-term care services, such as in-home care, assisted living, or nursing facilities. It’s typically purchased in advance and can ease the financial burden when care is eventually needed.
Government programs like Medicaid and Veterans benefits.
- Medicaid provides assistance for low-income individuals to pay for long-term care, especially in nursing homes, but eligibility requirements vary by state. Veterans and their spouses may also qualify for benefits that help cover in-home or facility-based care through the VA.
Immediate annuities or other financial products
- Immediate annuities convert a lump sum of money into a stream of monthly income, which can be used to help pay for care costs. Other financial tools like long-term care riders on life insurance policies may also offer coverage.
Personal savings or investments
- Many individuals rely on their savings, retirement accounts, or investments to fund long-term care. This option offers the most flexibility, but it also requires careful financial planning to ensure resources last.
Reverse mortgages, particularly for those choosing to age in place.
- A reverse mortgage allows homeowners aged 62 and older to tap into the equity in their home without selling it. This can provide cash flow to cover in-home care expenses while allowing them to stay in their home.

One of the most common sources of funding is the sale of the family home. For many seniors, their home is their largest asset. Selling it can unlock significant value to help cover the cost of care, especially if they’re transitioning to a residence that better fits their changing needs.

You don’t have to navigate this alone. As an experienced SRES®, I’m here to guide you through your real estate decisions with care and expertise, helping you or your loved ones plan for a future that feels both secure and supported.

Estimated Monthly Costs of Long-Term Care Services

Source: Genworth Cost of Care Survey, December 2023

Type of Care	2023	2033 (Projected)
In-Home Care
Homemaker Services	$5,720	$7,657
Home Health Aide	$6,292	$8,456
Community and Assisted Living
Adult Day Health Care	$2,058	$2,766
Assisted Living Facility	$5,350	$7,190
Nursing Home Facility
Semi-Private Room	$8,669	$11,650
Private Room	$9,733	$13,080

Contact a Senior Real Estate Specialist

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

Sellers • Senior Relocation • SRES • April 3, 2025

Managing Conflict When Selling a Parent’s Home

by Jennifer Baukol

Inside a home. Call Jennifer Baukol for your real estate needs (914) 584-2211

Navigating the Sale of a Parent’s Home: Tips for Families

Selling a parent’s home can often become a challenging experience for families. As the ‘For Sale’ sign goes up, practical decisions about pricing, renovations, and profit-sharing can clash with emotional attachments and longstanding family dynamics. This can turn a straightforward sale into a delicate balancing act of maintaining both property value and family relationships.

Here are some strategies to help ease the process:

Establish Clear Decision-Making Processes
Family members may have different financial interests, timelines, and preferences regarding the sale. Setting up clear decision-making processes ensures that everyone feels included and empowered.
Communicate Clearly and Respectfully
Effective communication is key to managing conflicts. Actively listen to each person’s viewpoint, express your own clearly, and ask clarifying questions like, “Does that make sense to everyone?” to ensure mutual understanding.
Document Everything
To avoid misunderstandings, put everything in writing. This includes listing details, agreements on sale price, marketing strategies, timing, and distribution of proceeds.
Focus on Shared Goals and Values
Most family members likely share common goals, such as selling the house for a fair price, handling the process competently, and ensuring everyone’s voice is heard. Keeping these shared goals in mind can help maintain focus and cooperation.
Take Breaks When Needed
If conflicts become overwhelming, it may be helpful to take a break. This allows everyone to regroup and refocus on finding common ground. Communicate openly about the need for a pause and plan to resume discussions when everyone is ready.

Contact a Senior Real Estate Specialist

Navigating the sale of a family home can be complex and emotionally taxing. As a senior real estate specialist, I can help guide you through this process with expertise and compassion. Feel free to reach out to me for personalized assistance.

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”

White Plains Local Real Estate. Scarsdale Real Estate. New Rochelle Real Estate. Rye Real Estate. Rye Brook Real Estate. Larchmont Real Estate. Harrison Real Estate. Purchase Real Estate. Edgemont Real Estate. Tarrytown Real Estate. Armonk Real Estate. Greenwich Real Estate. Old Greenwich Real Estate. Stamford Real Estate. Darien Real Estate. Local Realtor. Get Organized. Selling Home. Westchester County, New York. Fairfield County, Connecticut. Selling your home. Downsizing.

Reference: The Center for REALTOR® Development (CRD) confers the Seniors Real Estate Specialist® (SRES®) designation, which is an official credential of the National Association of REALTORS® (NAR).

Sellers • SRES • February 5, 2025

When You’re Moving

by Jennifer Baukol

Downsizing with Jennifer Martire Baukol as your SRES 914-584-2211

What to Do with Items That Won’t Move with You?

When moving, it’s common to realize that not all of your possessions will make it to your new home. The big question is: what should you do with the things you’re leaving behind? Here are some practical options:

1. Offer to Family & Friends

Before making any final decisions, consider whether family or friends might find value in your unwanted items. Sentimental or useful pieces could be cherished by loved ones, making this a meaningful first step.

2. Host a Sale

Garage Sale: Ideal for selling everyday household items at affordable prices. A great way to clear out clutter and make some extra cash.
Estate Sale: If you have high-value items to sell, consider an estate sale, often managed by professionals, to maximize your returns.

3. Donate to Charity

Many charitable organizations accept gently used items, including:

Local churches
The Red Cross
Goodwill

Since donation policies vary, check ahead for accepted items, drop-off guidelines, and any potential pickup or disposal fees.

4. Hire a Junk Removal Service

If you need a quick and hassle-free solution, professional junk removal companies can take nearly anything off your hands. Costs are typically based on volume, but some services charge per item, with additional fees for materials like paint or tires.

5. Consider Self-Storage (With Caution)

If you’re unsure about parting with certain belongings, a storage unit can provide temporary flexibility.

However, storage fees can add up quickly, sometimes exceeding the value of what’s being stored.

Be mindful of potential rate increases over time.

By thoughtfully sorting through your possessions, you can make the moving process smoother while ensuring your unwanted items find a new purpose.

How to Properly Dispose of Hazardous Waste:

When decluttering before a move, you may come across hazardous household waste (HHW) that requires special disposal methods. Here are safe and responsible ways to handle these items:

1. Local Collection Programs

Many communities offer hazardous waste collection events or drop-off sites. Check with your local waste management district or environmental health agency for details. You can also visit Earth911.com to find nearby programs.

2. Retail Take-Back Programs

Some retailers accept specific HHW items for recycling, including:

Auto shops for used motor oil and antifreeze
Electronics stores for batteries and old devices
Pharmacies for expired medications

3. Mail-In Disposal Services

Certain companies provide prepaid mail-in kits for hazardous waste, such as:

Expired medication
Mercury thermometers
Compact fluorescent light bulbs (CFLs)

4. Hazardous Waste Disposal Facilities

Searching online for “hazardous waste disposal near me” can help you locate local facilities that accept items like paints, pesticides, and chemicals. These specialized services ensure proper handling and environmental safety.

By using the right disposal methods, you can protect both your community and the environment while responsibly managing hazardous waste.

As your local SRES® (Senior Real Estate Specialist), I’m here to guide you every step of the way.

Whether it’s planning, selling your home, or finding your next perfect space, I’m ready to help.

Let’s simplify your move together!

Jennifer Martire Baukol for all your real estate needs.

“I am committed to providing the most personable, elite and professional customer service.
My promise to you is to

(1) put your interests first,

(2) help you reach your goals quickly,

(3) treat you as she would like to be treated,

(4) focus on the solution not problems, and

(5) provide you with the highest level of attention and feedback.

Whether you need extra room for a home office or nursery, or a smaller home that requires less upkeep and cost, I’ll bring you to the place that’s tailor-made just for you.

Servicing Westchester County, New York & Fairfield County, Connecticut.

Contact me today to get started. (914) 584-2211.”