Paul H. Hale Blog

Sunday, November 1, 2015

3 Ways Your Home Can Help Fund Retirement

Whether you’re already retired, or are planning to retire, you may be considering ways to generate more cash to enjoy the retirement you deserve. Here are some ways on how your home can help you to pay for retirement.

Pay off Mortgage

Owing a home mortgage-free eliminates one of your biggest monthly bills. While you will still have to pay taxes, insurance and maintenance costs, people who pay off their homes by retirement no longer need to make mortgage payments or pay rent. Paying off your home makes it much easier to live on a limited budget. Source: Money.USnews

Downsize

The most obvious way to use the equity or value in your home is to sell your home. Downsizing—you could even call it rightsizing—to a less expensive property may provide you with a place that suits you better and leave extra money for you to invest for income. Any extra money may impact your Centrelink benefits so make sure you explore all of the implications first.

You also need to be aware that when considering downsizing, a different house may not actually cost less. A smaller house closer to transport or amenities may cost as much as a larger home further away so you’ll need to do some research before selling.

The post 3 Ways Your Home Can Help Fund Retirement appeared first on Vancouver's #1 Family Real Estate Homes, Houses, And Condos For Sale | Gary Wong Realty.

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Mets On Deck: Playoff Edition, presented by Nissan, with Michael Cuddyer

Michael Cuddyer discusses why he believes the Mets are far from done and how they have been so resilient all season.

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Mets First Pitch: Playoff Edition, presented by Cadillac, on Matt Harvey

Mets First Pitch discusses why Matt Harvey should be ready to go tonight after a regular rest period, along with what he must do to win.

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Terry Collins addressed reporters, presented by Cadillac

Mets manager Terry Collins talked to media before Game 5 of the World Series on Tuesday and said…

On bouncing back after Game 4…

“Let me tell you something, the pressure is over 162 and getting to this point. This should be fun, and enjoy it. We’re frustrated with what’s happened, but we’re not down about it. Our clubhouse is very positive. I walked through there a little bit ago, and guys were smiling, doing — playing their games. Their heads aren’t down, because it’s an honor to be here, and we’re going to approach it that way. We’ll figure out tonight as the game rolls on what our best options are and we’ll go with it.”

On the fact that the Mets could be up 3-1 in the series…

“I’ve told you before, I don’t live in yesterday. I live in today. I don’t know what tomorrow is going to bring, I only worry about today. Last night is over. We’ve got to get ready for tonight. The biggest game of the year is tonight. We have arguably maybe our best pitcher going tonight. We’ve got to go win. And we can’t look back and say, “What if?” Well, we could do that all season long. We’re not. We’re here. So we’ve just got to move forward.”

On using Jeurys Familia for a six-out save in Game 5, if needed…

“Yes.”

On Yoenis Cespedes’ health…

“I talked to him last night after the game was over, and I asked him if his shoulder was bothering and he said no. And the hand I don’t think — it wasn’t getting hit in the hand. He had a checked swing two months ago that he felt a little something in his hand. He’s had it ever since and he’s been red hot and he’s been cold. I don’t think either thing is affecting him right now.”

Caddy

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World Series Game 5: Royals at Mets, presented by GEICO

The Mets, down 3-1 in the Series, look to stay alive in Game 5 Sunday at Citi Field. First pitch is scheduled for 8:15 p.m. on Fox as Matt Harvey (2-0, 3.38 this postseason) faces Edinson Volquez (1-2, 4.37).

Tonight’s Starting Lineups

Mets	Royals
1. Curtis Granderson (L) RF	1. Alcides Escobar (R) SS
2. David Wright (R) 3B	2. Ben Zobrist (S) 2B
3. Daniel Murphy (L) 2B	3. Lorenzo Cain (R) CF
4. Yoenis Cespedes (R) CF	4. Eric Hosmer (L) 1B
5. Lucas Duda (L) 1B	5. Mike Moustakas (L) 3B
6. Travis d’Arnaud (R) C	6. Salvador Perez (R) C
7. Michael Conforto (L) LF	7. Alex Gordon (L) LF
8. Wilmer Flores (R) SS	8. Alex Rios (R) RF
9. Matt Harvey (R) RHP	9. Edinson Volquez (R) RHP

Tonight’s Pitching Matchup

Matt Harvey: Received a no-decision in the Mets’ 5-4, 14-inning loss in World Series Game 1 at Kauffman Stadium last Tuesday…Pitched 6.0 innings, allowed three runs, earned, on five hits…Struck out a career low-tying two and walked two…He also struck out two on June 10 vs. San Francisco…It was the fifth time in Harvey’s career that he did not record more strikeouts than walks. . . Harvey is 2-0 through three career postseason starts…The only Mets to remain undefeated after their first four career postseason starts were Jerry Koosman and Bob Ojeda… Harvey became the third pitcher to get a win in each of his first two postseason starts with the Mets…Also done by Tom Glavine in 2006 and Jacob deGrom this year…Harvey has 18 strikeouts this postseason, the third-most for a Mets pitcher in his first three career postseason games behind Jacob deGrom (27) and Noah Syndergaard (20).

Edinson Volquez: Makes his second start of this World Series and fifth of the 2015 postseason after a no-decision in Game 1…It’s his seventh career start in postseason play. Volquez, 32, was 13-9, 3.55 in 33 starts during the regular season, his first in Kansas City. Last Saturday, went six inning and got a no-decision in a contest the Royals eventually won, 5-4 in 14 innings…Volquez learned after the game that his father, Daniel, died in the Dominican Republic earlier that day. He went home to be with his family, returning just prior to Saturday night’s game…In Game 1, Volquez held the Mets to three runs on six hits with a walk and three strikeouts… Volquez is making his seventh career postseason start, tying him with teammate Johnny Cueto for fifth-most among pitchers born in the Dominican Republic…Volquez is 1-4 with a 6.14 ERA (20 ER in 29.1 IP) in postseason play…he entered the year 0-2 in playoff starts, before earning his first win in Game 1 of the ALCS, tossing 6.0 scoreless innings in a 5-0 victory over the Blue Jays.

Team Notes

Mets Notes: Mets are 8-5 all-time in the postseason when facing elimination, including 1-0 this year (Game 5 of the NLDS at Los Angeles, a 3-2 win)…New York is 6-2 in such games at home… The Mets won two straight games in the 1986 World Series when facing elimination, lost Game 7 of the 1973 World Series at Oakland and fell in Game 5 of the 2000 World Series at home to the Yankees. . . . This is the third time the Mets have trailed 3-1 a best-of-seven series. In 1999, the Mets fell in the NLCS in six games to the Braves and in the 2000 World Series the Mets lost in five games.

Royals Notes: Saturday’s win was the seventh time in 10 wins this fall that KC came from behind to win, the second time in this set against the Mets…trailing 3-2 in the eighth, consecutive one-out walks to Ben Zobrist and Lorenzo Cain set the stage as KC tied the sore on an infield error and then took the lead with RBI hits from Mike Moustakas and Salvador Perez…..Ryan Madson’s scoreless seventh inning of relief work earned him a fourth career postseason victory, second this year…Perez finished the night with three hits to lead the 9-hit Kansas City attack. Last night’s comeback was the sixth after KC trailed by multiple runs, breaking the postseason record initially set by the 1996 Yankees (courtesy Elias).

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Harvey ready to pitch on regular rest

Matt Harvey is ready to pitch Game 5 of the World Series on regular rest with the Mets needing to stave off elimination after Saturday’s 5-3 loss.

“Matt has to give us one of those great outings he’s capable of giving us,” manager Terry Collins said after the Mets’ Game 4 loss. “Again, we’re in a tough situation, but we’re not dead yet.”

Harvey allowed three runs in six innings when he pitched on nine days’ rest in Game 1 last Tuesday. When he takes the mound Sunday, he will be pitching on four days of rest and at Citi Field.

“I don’t feel necessarily any different than I did going into the series, but I think obviously after facing a team for the second time, you can figure some things out,” Harvey said at his press conference before Game 4. “Obviously having normal rest makes a big difference, as well. … I have to go out and pitch my game and do everything I can to keep them off base.”

Including the postseason, Harvey has thrown 208 innings in his first season removed from Tommy John surgery. Despite that and all the talk about innings limits throughout the season, Harvey is looking forward to going out and pitching his game.

“You kind of want to be a horse and go out there, and you look at guys who have thrown 230 innings year after year after year, that’s kind of somebody who I’ve always wanted to be,” said Harvey, who would be available to pitch a potential Game 7 out of the bullpen. “I think obviously after this start I’ll probably be hopefully around 215 innings or so, and that’s a good mark for me. Definitely happy about that.”

Matthew Cerrone
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This is it, Harvey. For the first time in 2015, this is legitimately a must-win game, because the season ends without it. So, here’s your shot. You want to be the savior, The Dark Knight, you think the Gotham needs you, well here’s your chance to truly be the hero. Grab the ball, toe the rubber and get it done. That’s it. I know it’s been a long 18 months of rehab and work, and your arm is tired. It’s a lot to expect of you to bring your best game ever at this point in your season. But, that’s what needs to be done. If you want to be a legend, turn in a legendary performance. It’s totally understandable and justified if you don’t, Tommy John isn’t an easy surgery, it’s been a grind, it’s late in the year, and, though I’ll be disappointed, I won’t hold it against you if you fail. But, if you want it, if you want to be the hero, it’s right in front of you to go get it. Good luck…