Latest / One on One With a Professional / SHELLEY KOSTER, THE KOSTER TEAM

Transcript

SHELLEY KOSTER, THE KOSTER TEAM · One on One With a Professional

• 0:05
  Speaker 1: Good morning, Good morning, good morning, and walk the welcome Welcome.
• 0:08
  Speaker 1: It is time for one on one with the pro.
• 0:11
  Speaker 1: I'm Tom Davis and with us here we've got a
• 0:14
  Speaker 1: we've got a new friend. Shelley Coster is with is.
• 0:16
  Speaker 1: How are you doing, young lady?
• 0:17
  Speaker 2: I am doing fabulous. How about you? Tom?
• 0:20
  Speaker 1: The sun is shining, it's a beautiful day today. You
• 0:23
  Speaker 1: have a little bit of a title here and it's
• 0:27
  Speaker 1: called s R E. S. I don't want to sound
• 0:31
  Speaker 1: like a silly but what does that stand for?
• 0:33
  Speaker 2: Well?
• 0:33
  Speaker 3: So I am Shelley Coster with the Coster Team and
• 0:38
  Speaker 3: also the broker owner of Keller Williams Realty here in Bartlesville,
• 0:41
  Speaker 3: Great and Grand Lake and Ponca City. But at s
• 0:44
  Speaker 3: R S is actually a senior real estate specialist, so
• 0:47
  Speaker 3: I specialize in helping seniors fifty and over, which oh
• 0:53
  Speaker 3: I hate to say that because I am definitely over
• 0:55
  Speaker 3: that one of them.
• 0:58
  Speaker 1: You're just like a fractional the line. I'm well into
• 1:01
  Speaker 1: it here. But that's really neat because that's a little
• 1:05
  Speaker 1: different from the traditional what's what's the non traditional, what's
• 1:10
  Speaker 1: the what's.
• 1:10
  Speaker 3: The well, just there's realter you're residential, we have commercial realtors,
• 1:14
  Speaker 3: Land realtors. But what I do is I actually have
• 1:18
  Speaker 3: the SRIS as a National Association of Realtors designation. So
• 1:21
  Speaker 3: they're special training that we go through to get educated
• 1:27
  Speaker 3: to make sure we provide the best customer service possible.
• 1:29
  Speaker 1: Really, and what are seniors looking for.
• 1:31
  Speaker 3: Most, Well, it depends, so really we target anybody, like
• 1:35
  Speaker 3: I said, from fifty up, those are going to be
• 1:37
  Speaker 3: your empty nesters, the ones that are downsizing. And then
• 1:41
  Speaker 3: but we also that's also when you're senior and you're
• 1:44
  Speaker 3: getting ready to go into maybe assisted living, you need
• 1:48
  Speaker 3: a little bit more healthcare. And in Bartlesville we are
• 1:51
  Speaker 3: so blessed to have so many organizations and in places
• 1:54
  Speaker 3: for that that have the senior living that go on
• 1:57
  Speaker 3: into the that require healthcare and so on.
• 2:00
  Speaker 1: So my goodness, safety. You know, when you talk about
• 2:03
  Speaker 1: the empty nesters, it seems like everybody I know these
• 2:06
  Speaker 1: days my age are empty nesters. We're fun now all
• 2:09
  Speaker 1: of a sudden, I know. So you get to really
• 2:12
  Speaker 1: get to meet up with some folks who really are
• 2:14
  Speaker 1: going through an interesting change in their life. So why
• 2:17
  Speaker 1: are these housing decisions later in life so different than
• 2:20
  Speaker 1: buying let's say your first maybe even your second home.
• 2:25
  Speaker 3: Well, so what makes it a little bit different is
• 2:27
  Speaker 3: we're just in a different transition and when we're looking
• 2:30
  Speaker 3: for first time home buyers, we're helping them find that
• 2:32
  Speaker 3: first home knowing that the average time they're going to
• 2:34
  Speaker 3: spend in there is five to seven years. Right when
• 2:37
  Speaker 3: we're when we're dealing with people that are transitioning and
• 2:39
  Speaker 3: maybe looking, they may be wanting a garden home because
• 2:42
  Speaker 3: they're going to travel more. They may be want of
• 2:45
  Speaker 3: seniors living sent you know, area that other seniors are there,
• 2:49
  Speaker 3: They may want assisted living.
• 2:51
  Speaker 2: It just depends on.
• 2:52
  Speaker 3: Where they're at in they're in their life. But we
• 2:54
  Speaker 3: really help them make that transition.
• 2:56
  Speaker 1: So you're the go to gal when it comes to this.
• 2:59
  Speaker 3: Yes, and my team, I have an amazing team that
• 3:02
  Speaker 3: helps with that as well.
• 3:04
  Speaker 1: Oh man, Yeah, some of these some of our seniors,
• 3:08
  Speaker 1: they do have some challenges when considering a move, and
• 3:11
  Speaker 1: you pointed that out. You know, there are a lot
• 3:13
  Speaker 1: of different things that I haven't even thought of. Yeah, yeah,
• 3:16
  Speaker 1: it's like, first of all, how much space do I need?
• 3:20
  Speaker 1: Not a whole lot these days, thank you very much.
• 3:22
  Speaker 1: But what are some of the common mistakes that families
• 3:26
  Speaker 1: might make during this time of transition.
• 3:30
  Speaker 2: The first advice that I would give, and.
• 3:34
  Speaker 3: I think I'm really passionate about this a lot more
• 3:36
  Speaker 3: now after losing my mom on January second of this year,
• 3:41
  Speaker 3: and it made me even more passionate. I've always been
• 3:43
  Speaker 3: passionate about kids and then elderly, but one of the
• 3:49
  Speaker 3: biggest challenges is really helping them determine when is that
• 3:52
  Speaker 3: right time to do that, When is it the right
• 3:54
  Speaker 3: time to make that change, because it can be overwhelmed
• 3:59
  Speaker 3: with they may overwhelm with what to do with their belongings.
• 4:03
  Speaker 3: It could be we go in and help service that.
• 4:06
  Speaker 3: We help them determine what is the right time frame,
• 4:09
  Speaker 3: So a little bit different. To go back to your
• 4:10
  Speaker 3: other question, what makes it different versus just a normal
• 4:13
  Speaker 3: real estate I might meet with somebody and have that
• 4:15
  Speaker 3: first consultation and they may not be ready to do.
• 4:19
  Speaker 2: That for a year or two down the road. Right.
• 4:22
  Speaker 3: I also meet with them if it's parents, so we
• 4:25
  Speaker 3: also help identify who needs to be a part of
• 4:27
  Speaker 3: this transition.
• 4:28
  Speaker 2: We're so much more than just real estate.
• 4:30
  Speaker 3: Also, we help them determine where are they at financially,
• 4:34
  Speaker 3: where they are they if they're elderly, where's their next
• 4:37
  Speaker 3: step going to be and what's going to help them
• 4:38
  Speaker 3: with that transition? And then we work with a family,
• 4:42
  Speaker 3: we create that plan for them with the first thing
• 4:45
  Speaker 3: I always advise and I did this with my mom
• 4:47
  Speaker 3: thankfully about six or seven years ago. I connected her
• 4:52
  Speaker 3: with Nathan at Perspective Financial, that's my financial adviers with
• 4:56
  Speaker 3: many great financial organizations here in town and help them
• 5:00
  Speaker 3: set up because what I didn't want to do, I
• 5:02
  Speaker 3: didn't want to get and I see this unfortunately a
• 5:05
  Speaker 3: lot with families that the parents didn't designate who went.
• 5:11
  Speaker 2: To what and what.
• 5:11
  Speaker 3: So now they've gone on, they can't make those decisions
• 5:15
  Speaker 3: and then it's left to siblings to do.
• 5:17
  Speaker 2: That's what we don't want them to do.
• 5:19
  Speaker 3: We want them to get with their financial advisor and
• 5:21
  Speaker 3: really create that plan for what does life look like
• 5:24
  Speaker 3: when I do crossover that line right so it's easier
• 5:27
  Speaker 3: and then a lot of it is now we're seeing that,
• 5:30
  Speaker 3: especially in elders, they've had things and items that today's
• 5:34
  Speaker 3: generation don't really want to deal with, and so we
• 5:37
  Speaker 3: help address that and see if that's going to be
• 5:39
  Speaker 3: something We meet with the family, what items do you want?
• 5:42
  Speaker 3: What do you not want, and then what are we
• 5:44
  Speaker 3: going to do? Do we bring into state sales? How
• 5:47
  Speaker 3: do we help them declutter that it's just a full service.
• 5:51
  Speaker 3: We want it to be as less stressful as possible.
• 5:53
  Speaker 3: We want it to be less stressful for the elderly parents,
• 5:57
  Speaker 3: and we want it to be less stressful for the
• 5:59
  Speaker 3: the children that are dealing with that. We want them
• 6:02
  Speaker 3: to focus on their loved ones and not deal with
• 6:04
  Speaker 3: the real estate transaction of it.
• 6:06
  Speaker 2: We want to carry that stress for them.
• 6:08
  Speaker 1: I can see that passion coming through right now. I mean,
• 6:11
  Speaker 1: this is something that kind of powers you. Hear this
• 6:13
  Speaker 1: is this is really something new and something I really
• 6:18
  Speaker 1: wasn't aware of until you walked in the door today. See,
• 6:20
  Speaker 1: you learn new.
• 6:21
  Speaker 2: Things everything you're telling you.
• 6:26
  Speaker 1: One of the things I when when you talk about
• 6:30
  Speaker 1: things making a difference and and everything is the downsizing.
• 6:34
  Speaker 1: We touched on that sometimes folks can get a little clingy.
• 6:37
  Speaker 3: Yeah, well they're emotionally attached. And so that's what we
• 6:41
  Speaker 3: help them do. Because the children, especially if they don't
• 6:44
  Speaker 3: live in town, they may not have still had that
• 6:47
  Speaker 3: emotional attachment. And so we really we all know logic
• 6:50
  Speaker 3: makes us think, emotion makes us act. So We're there
• 6:53
  Speaker 3: to help them make that logical decision and be as
• 6:57
  Speaker 3: patient and as caring for them as poassible because we
• 7:00
  Speaker 3: realize that it's this is difficult, it's a difficult stage.
• 7:04
  Speaker 1: And talking about difficult, what does down in sizing actually
• 7:07
  Speaker 1: really look like? Start to finish? You got to get
• 7:08
  Speaker 1: everybody on board.
• 7:10
  Speaker 2: We got to get everybody on board.
• 7:11
  Speaker 3: So that is what we first do in my initial
• 7:14
  Speaker 3: consultation has just kind of help them walk them through
• 7:16
  Speaker 3: what to do. I identify who are those critical decision
• 7:19
  Speaker 3: makers going to be, what family members?
• 7:22
  Speaker 2: Who am I going to talk to? How many siblings?
• 7:24
  Speaker 3: And we identify that, and then we also make sure
• 7:27
  Speaker 3: that we keep the elderly parents or parent in the
• 7:33
  Speaker 3: process because we never want to make them feel like
• 7:35
  Speaker 3: they're being left out and plans are being made without them.
• 7:38
  Speaker 3: So I'm really cautious about that. And it's even where
• 7:41
  Speaker 3: do I take them for what healthcare facility do I
• 7:43
  Speaker 3: go to? What hospice do I go to? We help
• 7:46
  Speaker 3: them interview those what medical facilities are out there, and
• 7:51
  Speaker 3: maybe they're just at that life where they need Elder
• 7:53
  Speaker 3: Cares a great, amazing organization that you know you and
• 7:58
  Speaker 3: they're full of helping.
• 7:59
  Speaker 2: Also, you ate that, so it's just so much more.
• 8:02
  Speaker 3: Again, it's really about helping them with their life, and
• 8:05
  Speaker 3: what does that plan look like?
• 8:07
  Speaker 2: Because the worst thing people can do is wait too late.
• 8:10
  Speaker 1: Shelly, this is amazing because when I think of buying
• 8:14
  Speaker 1: and selling homes, I think of it it's a transaction. Yes, well,
• 8:17
  Speaker 1: this is emotional, this is psychological, this is passion, this
• 8:22
  Speaker 1: is real life. And believe it or not, some people
• 8:26
  Speaker 1: don't want to deal real life.
• 8:27
  Speaker 3: They don't and really that's true Tom, and any real
• 8:31
  Speaker 3: estate transactions, it can always be regardless of what stage
• 8:34
  Speaker 3: where it's your first time home or you're just buying up,
• 8:37
  Speaker 3: or you're buying an investment property. We want to keep
• 8:40
  Speaker 3: you out of emotion. We want you to make it logical.
• 8:43
  Speaker 3: My goal, regardless of what client I'm working for, is
• 8:46
  Speaker 3: I want to make sure that I can get you
• 8:49
  Speaker 3: out of that home. I've made a lot of money
• 8:51
  Speaker 3: on people saying this is going to be my last house.
• 8:54
  Speaker 3: I'm like, okay, I love that. But my goal is
• 8:57
  Speaker 3: life happens, and we don't always know what's going to happen.
• 9:00
  Speaker 3: So my job is to make sure they're making a
• 9:02
  Speaker 3: good investment.
• 9:03
  Speaker 1: Now speaking of things happening, someone needs to move quickly,
• 9:06
  Speaker 1: like say, and in all probability it's a health change.
• 9:11
  Speaker 1: Tell us a little bit about this.
• 9:13
  Speaker 3: So that's when we just kick it into gear again.
• 9:15
  Speaker 3: We go in and we work with with the with
• 9:18
  Speaker 3: the client that has the home, and we also work
• 9:21
  Speaker 3: with those family members and then again we get them,
• 9:24
  Speaker 3: we give them. We have great relationships with all the
• 9:27
  Speaker 3: health care facilities in town and all of the different
• 9:31
  Speaker 3: opportunities for them, and so we make sure that we
• 9:33
  Speaker 3: interview those, we help set those up, create that Again,
• 9:38
  Speaker 3: we try to get them into that plan and get
• 9:40
  Speaker 3: it going. If it's we need an estate sale, we
• 9:42
  Speaker 3: take care of that. We'll go in, we work with
• 9:46
  Speaker 3: we have many estate sell people that we work with.
• 9:48
  Speaker 2: We'll work with them.
• 9:49
  Speaker 3: On that, pricing it, we take care of all that
• 9:52
  Speaker 3: form Sometimes it's boxing up and just decluttering for them.
• 9:56
  Speaker 3: We again, we can do it as quickly or as
• 9:59
  Speaker 3: we can be as patient as it needs. I have
• 10:01
  Speaker 3: a client right now that her father is in a
• 10:05
  Speaker 3: medical facility and more than likely not going.
• 10:09
  Speaker 2: To get out of it right.
• 10:10
  Speaker 3: So we've been we go buy and check on our
• 10:12
  Speaker 3: house at least once a week, especially in the winter,
• 10:14
  Speaker 3: we go buy and make sure because she's not in
• 10:16
  Speaker 3: the states.
• 10:17
  Speaker 1: Wow. You know, well when we talk about kids not
• 10:20
  Speaker 1: being in town, that's a whole another cannon.
• 10:25
  Speaker 3: Yeah, And we identify what is it, what's the home
• 10:27
  Speaker 3: going to need, what repairs are going to be needed,
• 10:30
  Speaker 3: what's going to happen because we want them? Again, is
• 10:32
  Speaker 3: it timing? Do we want to get out of it
• 10:34
  Speaker 3: and sell it because we need the funds right away?
• 10:36
  Speaker 3: Then what what can we do? Maybe it's we sell
• 10:39
  Speaker 3: it as is, but we price it accordingly. Do we
• 10:41
  Speaker 3: want need the most out of it? Because we don't
• 10:43
  Speaker 3: know how long they're going to be in this medical facility?
• 10:45
  Speaker 3: So what can what can we do? And we get
• 10:47
  Speaker 3: you estimates and again we kind of manage and take
• 10:50
  Speaker 3: care of all that.
• 10:50
  Speaker 1: You know something, this is an amazing thing that you do.
• 10:53
  Speaker 2: Thank you.
• 10:55
  Speaker 1: How do you train for something like this?
• 10:57
  Speaker 3: Well, I've been in real estate since two thousand and two,
• 10:59
  Speaker 3: so I've been doing this a very long time.
• 11:02
  Speaker 2: And I just love helping.
• 11:03
  Speaker 3: I just love helping people, and I want to be
• 11:05
  Speaker 3: that resource because I know how hard it can be
• 11:08
  Speaker 3: and a lot You're not the only one. Most people
• 11:10
  Speaker 3: don't think about it until it's too late. So that's important,
• 11:14
  Speaker 3: and that's why I want to do these segments, is
• 11:16
  Speaker 3: to really get it out there and stress that well,
• 11:19
  Speaker 3: even at sixty.
• 11:20
  Speaker 2: I need to be thinking what's my long term plan? Right?
• 11:23
  Speaker 2: I don't want my kids to have to do that.
• 11:25
  Speaker 1: Well, you know, you, you come in here with the
• 11:28
  Speaker 1: wealth of knowledge and a lot of passion, and you
• 11:32
  Speaker 1: have this calming quality about you here. How do we
• 11:37
  Speaker 1: work through the stress for the family so they can
• 11:39
  Speaker 1: kind of bring it down to your level of calm
• 11:42
  Speaker 1: during this time.
• 11:43
  Speaker 2: And that's it.
• 11:43
  Speaker 3: Thank you for recognizing that, Tom and acknowledging that that
• 11:46
  Speaker 3: really is my goal. I think I've been doing it
• 11:49
  Speaker 3: so long that again I get to deal with the
• 11:51
  Speaker 3: logical part of it. I'm emotionally connected to my client,
• 11:54
  Speaker 3: but I'm not emotionally connected to the property. So my
• 11:57
  Speaker 3: goal is to really help them make that edge. It's
• 12:00
  Speaker 3: my job to give them the information to make that
• 12:02
  Speaker 3: educated decision, and it really is to calm them down
• 12:06
  Speaker 3: and make it not stressful. Real estate is stressful, and
• 12:10
  Speaker 3: it's why I've been doing it so long that there's
• 12:13
  Speaker 3: not a lot of surprises for me anymore that I
• 12:15
  Speaker 3: can't there's not an obstacle that I probably haven't already
• 12:17
  Speaker 3: overcome in my in my career.
• 12:20
  Speaker 1: Now, what should listeners look for when choosing an agent
• 12:24
  Speaker 1: when we get to this later in life?
• 12:25
  Speaker 2: Move right?
• 12:26
  Speaker 3: I think I think you now that when you said
• 12:29
  Speaker 3: just knowledge again, it's not just I'm not an agent
• 12:32
  Speaker 3: that's going to go in and I'm not all about
• 12:34
  Speaker 3: just selling your house. I'm all about creating an experience
• 12:37
  Speaker 3: for you. I'm all about helping you make those decisions again,
• 12:42
  Speaker 3: whether it's financial, whether it's healthcare, whatever, to make that
• 12:46
  Speaker 3: best transition for you, and just to make it again
• 12:50
  Speaker 3: a smoothest transition as possible.
• 12:52
  Speaker 1: If someone is now listening to this and they're starting
• 12:55
  Speaker 1: to think about, you know, a housing transition, maybe if
• 12:59
  Speaker 1: you years out, what's the first step?
• 13:01
  Speaker 3: The first step is we schedule a consultation, and then
• 13:05
  Speaker 3: we identify what are their goals, what are their long
• 13:08
  Speaker 3: term plans? And then I help create a roadmap to
• 13:12
  Speaker 3: get you there.
• 13:13
  Speaker 1: Wow.
• 13:14
  Speaker 2: Yeah, wow, And.
• 13:15
  Speaker 3: Again it doesn't matter to me. It's non committal. It's
• 13:18
  Speaker 3: just a let's let's where do we start? Where do
• 13:21
  Speaker 3: we start?
• 13:22
  Speaker 1: And the rest will take care.
• 13:23
  Speaker 2: Of it, and the rest will take care of itself.
• 13:25
  Speaker 1: Now, how do we get a hold of you to
• 13:27
  Speaker 1: get the ball wrong?
• 13:28
  Speaker 2: Well, so I'm with Keller Williams.
• 13:31
  Speaker 3: My telephone numbers nine eight nine one four three four
• 13:35
  Speaker 3: four four. Find me on you can Google me, chat me.
• 13:38
  Speaker 3: I'm also on Facebook Shelley Costerer or the cost Team,
• 13:43
  Speaker 3: and then my website's the coosterteam dot com. Wow, or
• 13:46
  Speaker 3: you can call the Keller Williams office. I'm not hard
• 13:48
  Speaker 3: to find.
• 13:49
  Speaker 1: No, I was going to say, you're No, You're You're
• 13:51
  Speaker 1: pretty accessible. I want to thank you for being with
• 13:54
  Speaker 1: us today and this has been a very informative fifteen
• 13:57
  Speaker 1: minute segment. Hope we can get back together and do
• 14:00
  Speaker 1: this again.
• 14:00
  Speaker 2: Yes, a couple of weeks. We're going to do it
• 14:02
  Speaker 2: every every other Wednesday, I believe.
• 14:05
  Speaker 1: Well, that's wonderful. I'm making the appointment right now, all right.
• 14:08
  Speaker 2: I can't wait.
• 14:09
  Speaker 3: And I would also I would also love if any
• 14:12
  Speaker 3: of your listeners if there's any topics they would like
• 14:14
  Speaker 3: for me to bring, because I am going to breathe
• 14:16
  Speaker 3: other organizations in and share the knowledge that they provide
• 14:20
  Speaker 3: and the and the services they provide.
• 14:22
  Speaker 2: So I would love if they want to call you
• 14:24
  Speaker 2: or call me I.
• 14:25
  Speaker 3: Would love to have that feedback as well, so I
• 14:27
  Speaker 3: could provide that for them.
• 14:28
  Speaker 1: Wonderful. We're going to have ourselves a good time. We are.
• 14:33
  Speaker 2: You're very welcome, Tom.
• 14:34
  Speaker 1: Folks you have been watching and listening to are one
• 14:37
  Speaker 1: on one with a pro