Savvy Seniors Living Seminars – Rightsizing 101 – Part 1

Need to downsize? Rightsize? View this Rightsizing 101 video (Part 1 of a 9-part series) to discover the top downsizing professionals serving seniors in the Bay Area: Katherine Fogelman of Senior Sorters and Estate Liquidators, Tammy Jo Borosky of Clear Organizing, Karl Anderson of Anderson Bros. Movers, Mary Lynne Murray of It’s About Time Organizing. This Rightsizing 101 seminar is part of the Savvy Seniors Living Seminar Series hosted by Dayna Wilson, Senior Real Estate Specialist with Keller Williams Realty-East Bay. These 90-minute monthly educational seminars are presented at the Lafayette Library Community Hall, 3491 Mt Diablo Blvd in Lafayette. Adults 55+, seniors, and caregivers are invited to attend the free seminars to learn the actual facts about issues related to home ownership and post-retirement downsizing in the S.F. Bay Area. See the full seminar schedule at http://savvyseniorsliving.com/schedule/

Transition Thursday: Relationship Advice for Couples Who Stagger Retirement

Baby Boomer Couple Talking with Financial Advisor

In the AARP article Advice for Couples Who Stagger Retirement, author Margery D. Rosen writes that planning can be tricky if one opts out of the workforce before the other, also known as “Out-of-Sync Retirement Syndrome”:

“As 76 million boomers march toward what was once a generally agreed-upon ‘retirement age,’ many are poorly prepared for the conflicts unleashed when one partner retires and the other continues to toil. ‘Retirement can magnify preexisting problems in a marriage,’ says social historian Stephanie Coontz. ‘The decision to stop work forces you to reevaluate what you both want — and you may discover the gaps are wider than either of you thought.'”

Boomers in particular may struggle with this transition.

“‘In the past, most couples took it for granted that when one of them retired, the other would, too — and they usually faced only the husband’s retirement,’ says sociologist Phyllis Moen, author of Encore Adulthood: Boomers on the Edge of Risk, Renewal, and Purpose. ‘Two-career boomers are the first generation that has had to deal with his-and-her retirements.'”

Another issue: Many 50+ women in the workforce opted for the “mommy track,” putting their careers on hold while they raised their families.

“Then, when their nests emptied, they reentered the workforce with renewed ambition. Today, more than 25 percent of women ages 65 to 69 — and 15.5 percent of women ages 70 to 74 — are employed full time. (The figures for men are 33 percent and 24 percent.) Not only do they enjoy the regular paycheck, they also don’t want to lose the intellectual stimulation and social life a job often provides. ‘While husbands may be thinking about volunteering, traveling or having more time as a couple,’ notes Dorian Mintzer, coauthor of The Couple’s Retirement Puzzle, ‘their wives may be hitting their stride at work. Both spouses are in transition, but they’re traveling different roads.'”

Read the rest at Advice for Couples Who Stagger Retirement.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

2018 Savvy Seniors Living Seminar Series Schedule Announced

Savvy Seniors Living Seminar SeriesThe facts. It’s what East Bay homeowners want concerning late-in-life housing issues like reverse mortgages, 55+ senior living options, selling a house in today’s market, and preparing to “stay put” in your own home as you age-in-place.

These topics, along with others, will be presented in the upcoming Savvy Seniors Living Seminar Series as 90-minute monthly educational seminars beginning in January at the Lafayette Library Arts & Sciences Community Hall, 3491 Mt Diablo Blvd in Lafayette.

Adults 55+, seniors, and caregivers are invited to attend the free Savvy Seniors Living Seminar Series to learn the actual facts about issues related to home ownership and post-retirement downsizing in the S.F. Bay area.

This series of candid conversations and expert panel discussions about the unique and often complex issues facing long-time homeowners is to be moderated by Dayna Wilson, Seniors Real Estate Specialist® [SRES]® of Keller Williams Real Estate-East Bay, who has a team that provides comprehensive “senior friendly” transition services related to downsizing, late-life relocation, and (55+) senior living solutions.

“Emotions get in the way, and fear often sets in,” said Wilson. “Seniors often have to deal with the prospect of leaving the family home, of losing their independence, and sorting through all the stuff they’ve accumulated over the course of their lifetimes. This is where our expertise and experience in dealing with these types of moves comes in.”

Increasing numbers of 55+ active adults in the East Bay and beyond have many questions. “Many seniors have no idea what is available to them, how much it will cost, or the process for making all the pieces fit together,” Wilson continued. “We want to give them helpful information, introduce them to trusted local resources, and answer their questions. Beyond helping with immediate needs, our intention is give individuals and families both direction and confidence so they feel empowered when the time comes to make a major life decision.”

The 2018 Savvy Seniors Living Seminar Series debuts with “55+ Senior Living Options” on January 17th at 10 AM. “You will learn the facts about the many types of retirement communities available in the area and the questions you should be asking when considering your options. This is the perfect place to educate yourself so that you can make the right decisions for you and your family,” said Wilson.

Here is the full seminar schedule for 2018:

January 17th – 55+ Senior Living Options
February 7th – Tax, Legal & Financial Issues
March 7th – Senior Scams
April 4th – Aging in Place-AKA Stayin’ Put
May 2nd – Selling your Home in Today’s Market
June 6th – How to Pay for Senior Living
July 11th – Assisting Living Options
August 15th – Understanding Continuing Care Retirement Communities
September 5th – The New Reverse Mortgages-Fact vs. Myth
October 3rd – Independent Living Options
November 7th – Estate Liquidation Strategies
December 5th – Downsizing Lessons from People Who’ve Done It

The seminars are open to all individuals who want to learn the facts about local senior living options from some of the most knowledgeable and experienced professionals in the senior living industry. Admission is free. All seminars start at 10 AM and finish at 11:30 AM. Please call 925-788-6582 to register or sign up online at http://savvyseniorsliving.com. Space is limited and pre-registration is required.

More about the host and moderator: Dayna Wilson has been serving clients in the East Bay communities of Orinda, Lafayette, Moraga, Walnut Creek, Alamo, Danville, Pleasant Hill, Concord, Clayton and Martinez and beyond since 2009. As a certified Seniors Real Estate Specialist® Dayna helps Boomers, Zoomers and Savvy Seniors explore housing options, ensuring that their next home best serves their current and future needs.

Transition Thursday: Baby Boomers are Rewriting Retirement History

Baby Boomer Couple Talking with Financial Advisor

In the Kiplinger article Baby Boomers are Rewriting Retirement History, author Scott Hanson, CFP writes:

“If I say the word ‘retirement,’ what comes to mind? Sunsets? Golfing? Cruises? Most of the people I work with don’t want anything to do with a retirement that has them sailing toward a sunset of irrelevance. The people I speak with want a retirement packed with meaning, new careers and new experiences.”

Hanson writes about the medical advance that changed everything:

“It was the discovery of penicillin in 1928, and markedly increased lifespans, which led to the concept of the modern retirement that we’re familiar with today. People began living longer and naturally working longer — resulting in a glut of workers that eventually led to unemployment and stagnation, a big problem for the first time.

At the height of the Great Depression, it became apparent that the way to increase efficiency and lower unemployment was to encourage older workers to retire. However, many older workers were not willing (or in many cases, able) to quit. It just wasn’t in their DNA. Life had always been about work, and now they were being asked to stop. In response, President Franklin D. Roosevelt proposed the Social Security Act of 1935.

Suddenly, you could retire and still have income.

But this gave rise to a new problem: Americans had ‘nothing’ to do. What were retirees to do with all that extra time? It’s no wonder the Baby Boomer generation is rewriting the definition of retirement by continuing to work.”

Read more at Baby Boomers are Rewriting Retirement History.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

Toss It Tuesday – More Tips on How to Declutter Your Home…from AARP

Cluttered RoomIn the AARP article 20 Tips to Declutter Your Home, author Marni Jameson suggests you start with your attic.

“When you’re up against your memories, remember: You’re simplifying your life, not erasing your past:

Your kids’ stuff. It’s not your job to save everything from your children’s lives. Box up what belongs to the kids, and send it to them. Or tell them to claim it now — with the date you plan to have the house cleared out — or never.

Books. If you’re going to read it, or it just feels too much like family (The Cat in the Hat), put it on your bookshelf. If not, give it away. You can drop books off at a library or donation center. Or call around for a charity that will pick up.

Luggage. That graduation gift from your grandparents? If it’s in decent shape, sell it at your own or a neighborhood garage sale, and tell stories of where you’ve been. If not, donate it to a charity such as a women’s homeless shelter.

Hand-me-down furniture. Consignment stores can be a godsend for a chair or sofa in good condition that worked for someone else — but not for you. They sell it and usually split it 30/70 (30 percent to you), but sometimes 40/60.

Clothes. Can you answer yes to “Do I love it?” “Do I need it?” or “Will I use it?” If not, then out it goes. It doesn’t matter whether “I only wore it once,” “It’s in good condition” or “It was expensive.” Then make three piles: toss, donate, sell.

Read more at: 20 Tips to Declutter Your Home.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

Transition Thursday: Learn the Truth About 55+ Retirement Communities

Free Seminar: 55+ Senior Living Options

January 17, 2018
10 -11:30 AM
Lafayette Library
Community Hall
3491 Mt Diablo Blvd
Lafayette CA

Learn the facts about the many types of retirement communities available in the area and the questions you should be asking when considering your options. This is the perfect place to educate yourself so that you can make the right decisions for you and your family.

Retirement communities and 55+ active adult living options are popping up all around the S.F. Bay Area and in every other city in the country. You may be asking:

– What are these place exactly?
– What do they offer me as a senior?
– Where do I even begin?

During this 90-minute panel discussion, you will learn the facts about local senior living options from some of the most knowledgeable and experienced professionals in the senior living industry.

REGISTER: Call 925-788-6582 or register online.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

Toss It Tuesday – 20 Tips to Declutter Your Home…from AARP

Post It Note with Message Declutter Your LifeIn the AARP article 20 Tips to Declutter Your Home, author Marni Jameson suggests you start with your attic.

“When you’re up against your memories, remember: You’re simplifying your life, not erasing your past:

1. Wedding dress. If no one is going to wear it again, have some nice pillows made out of it. Or save it to wrap bouquets in your daughter’s wedding. Or clip off a piece of fabric and display it in a frame with a photo of your wedding day.

2. Love letters. Keep them if they’re yours. But if they’re your parents’, they’re not really yours: They’re part of a romance between your parents, never meant for you. Burn them ceremonially and send the love back into the universe.

3. Boxes of photos. Throw out landscape shots. Pick three with people in them from each vacation or holiday. With the rest, pull out the great shots. Send the keepers to an online scanning service to store in the cloud, or make albums.

4. China set. If you like it, use it. If you don’t, sell it through eBay. Be realistic, though. Not long ago, fine china commanded a nice price. But today’s consumers want fine tableware that’s safe in the microwave and the dishwasher.

5. Antiques. Take high-end antiques to a local antiques dealer, who can take them to an auction house. Find out what the house’s take is upfront (typically 10 to 15 percent) as well as where it will place the starting bid.

6. Greeting cards. Their job is to greet you over the holidays. They did that. Now you throw them away. Or put them in the recycle bin. If you saved the envelopes, you can go through them to update your address book.”

Read more at: 20 Tips to Declutter Your Home.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

Transition Thursday: 7 Things to Do Before You Retire in 2018

Baby Boomer Couple Talking with Financial Advisor

In the US News & World Report article 7 Things to Do Before You Retire in 2018, author Abby Hayes writes:

“If you plan to retire in 2018, now is the time to start planning for your transition into retirement. You will need to set up new health insurance, max out your workplace benefits while you still can and take last-minute steps to sure up your finances. Here are seven ways to make sure you’re ready to retire next year.”

Here are some tasks to put on your retirement To Do list you may not have considered:

Use your paid time off. Check into your bank of vacation time or paid time off. You should definitely use this before you retire, unless you can translate those banked days into cash at the end of your working years. If you plan to look for a new place to live in retirement, that’s an especially good use of any banked time off you have available.

Make a plan for your time. Figure out what you plan to do with your time during retirement. The transition from working every day to a life of leisure can be surprisingly emotional. The best way to fend off boredom and depression is to stay active physically, mentally and socially.”

Read more advice at 7 Things to Do Before You Retire in 2018.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

Toss It Tuesday – How to Deal With Inherited Clutter

Senior couple packing a miving boxWhen reading the article 6 Steps In Dealing With Inherited Clutter, you will learn that “Decluttering can cause a lot of stress. This stress is magnified when it’s inherited clutter. Pressure can mount when you are faced with the decluttering task of things that are not yours or are left to your care. Why? Because simply, this isn’t your mess! Yet you have to clean it up!”

Here are some tips to make things easier:

4. Re-gift or Pass On. Passing much-loved items on to people who will make good use of them is rewarding for the giver.

For example: Think of times someone has admired something in the home

Family, friends, or even neighbours may have admired or commented on something over the years. Perhaps return a gift that was received from a special someone.

Considering others who may love the opportunity to have the item and continue to cherish and care for it will be easier for the owner to let it go.

5. Toss Or Donate. The decision to toss or donate can be made simply if you follow some basic steps. Follow our special Declutter Clinic: Should I Sell, Donate, Or Throw It Out? here.

For example: Sell, Keep or Donate

Sell it if:

– It’s worth more than the cost of selling and
– You’re motivated enough to organize the sale.

Donate it if:

– It’s in good condition and
– The question of donating versing tossing won’t immobilize you.

6. Sell Items Online. If you have the time and the motivation, you can try selling items online.

Some people find a lot of success in selling online. Other’s find it a compete headache! If you are inclined to give it a try, start small to avoid feeling overwhelmed. There can be a lot of questions and upload work getting the item ready to sell.

For example: Selling good, unwanted items online

Sell it if:

– You’re motivated enough to organize the sale
– The owner is happy to pass the item on to someone else
– The owner genuinely feels the item can be used or enjoyed by someone else

As the person charged with the task of decluttering someone else’s belongings, try to remember that relinquishing much-loved items can be overwhelming. Be patient. Be understanding. Be kind!”

Read more at: 6 Steps In Dealing With Inherited Clutter.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582

Transition Thursday: How Boomer Women Can Survive Financial Transitions

Elderly Lady

In the article Inheriting the Family’s Finances: Helping Boomer Women Survive Financial Transitions, author Rhonda Ducote writes about the fact that women outliving their husbands is a financial reality for the boomer generation:

“You’re having a regular day with your husband. You revel in the 30-50 years of work you and your husband put into building your life together. That’s when the news hits: an accident, a health scare…something disrupts your simple day and, before you know it, you lose your partner.

The dramatic change sets you on an uncharted path. There is so much to process — emotionally and otherwise.

As part of the transition, you’re left in charge of the family finances. Fortunately, you can mitigate the financial stress by following these guidelines:

Financial Transition: The Immediate Aftermath Immediately after a tragic loss, life can be overwhelming and terrifying. There is no exact way to set up an emergency or rainy day fund. Some basic guidelines include:

  • available liquidity to cover six to 12 months of expenses, and
  • ability to access funds without limitations or confusion.

Widows don’t receive most benefits until someone produces an official death certificate. Issuing death certificates takes about 30 days. Distributing those certificates to the necessary entities can take weeks longer.

Navigating Your New Financial Life. Political and financial changes are inevitable. Navigating these changes can be overwhelming and confusing for those less experienced. Clients and advisors should have an annual review to go over the client’s entire portfolio and goals.”

Read more advice at Inheriting the Family’s Finances: Helping Boomer Women Survive Financial Transitions.

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DAYNA WILSON: As a real estate agent I have been working with homebuyers and sellers throughout the East Bay communities of Layfayette, Moraga, Orinda and Walnut Creek since 2009. As a Certified Senior Housing Professional (CSHP) , I have special knowledge about everything from reverse mortgages to the importance of universal design. I can tap into my network and put you in touch with my team of qualified home inspectors, movers, attorneys, CPAs, organizers and other experts. I have all the resources and knowledge to simplify the transaction and eliminate the anxiety of selling your home.

Call me today to talk about your real estate concerns. I’m here to listen: 925.788.6582