Lake Oswego May 2014 Older Americans Month

Count me in as one of those people that didn’t know about Older Americans Month! May 2014 is dedicated to the art of healthy aging.

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Lake Oswego May 2014 Older Americans Month

The Lake Oswego Adult & Community Center is providing all the latest and greatest for Lake Oswego’s 50+ community.

Lake Oswego Adult Community Center Senior Health & Fitness Events

There are several events coming up in May dedicated to a healthy tomorrow for those 50+ in Lake Oswego.

May 3 – The Art of Healthy Aging

May 20 – Home Sharing

May 27 – Senior Summit

May 28. 10-4 p.m.  National Senior Health and Fitness Day. Try out for free on this day! Change up your workout routine with Zumba, taste nutrient rich and flavorful smoothies, experience the benefits of meditation, how volunteering keeps you vital, a healthy lunch and more.  Demos, food samples, prizes and give-aways!

You can call the Lake Oswego Adult Community Center (505 G Avenue, Lake Oswego) at 503-635-3758 or go to www.ci.oswego.or.us/ACC for more details.

Selling Your Portland Home

Are you thinking of downsizing?  Let me help you prepare your home to sell and get it sold!

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Give me a call at 503-495-5220 if you’re thinking of downsizing and selling your home or wanting to buy a home that is smaller to suit your current needs..

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Seniors Age Friendly In Portland And Lake Oswego

Age-Friendly in PortlandSeniors Age Friendly In Portland And Lake Oswego.allaboutseniorsboomersandsmallhouses.wordpress.com

The Age-Friendly Portland Advisory Council has launched a new website resource, AgeFriendlyPortland.org, to highlight the work and activities of the recently adopted Action Plan for an Age-Friendly Portland. This action was adopted by the City of Portland in October 2013.

It is with the unanimous support of the Portland City Council, along with the commitment from partner organizations throughout the city, that the Age-Friendly Advisory Council  aspires to be community friendly to people of all ages and abilities. This website serves as the one-stop shop to highlight community partner’s work, upcoming events, current articles and other great resources.

In & Around Portland

Around the country and the world, Age-Friendly communities are emerging. There are 145 cities and communities across 22 countries that have committed to becoming more age-friendly. Every community has their own unique challenges and through the participation of community members they are able to set priorities and develop plans to move into the future.

Get Connected

Want to learn more?  Join Elders in Action for their Annual Open House Thursday, March 20, 2014. 2:00 pm-4:00 pm at 1411 SW Morrison St., Suite 290, Portland, OR 97205. (503) 235-5474.

Join Lake Oswego In Discussion On Aging

Volunteers Involved in the Emotional Well-being of Seniors (VIEWS) will present a conversation on aging at the Lake Oswego Adult Community Center from 10 to 11:30 a.m. March 26.

This free, facilitated discussion group will cover “Bridging Life Transitions” in an interactive conversation, providing those age 50 and older an opportunity to explore new possibilities and resources. The program was developed to create a sense of community and reduce the risks of isolation.

Future conversations are planned in April and May. Registration is required and space is limited. Call the center at 503-635-3758 to register.

Selling Your Portland Home

Are you thinking of downsizing?  Let me help you prepare your home to sell and get it sold!

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Give me a call at 503-495-5220 if you’re thinking of downsizing and selling your home or wanting to buy a home that is smaller to suit your current needs..

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Seniors Can Your Heirs Pay Off Your Reverse Mortgage

Reverse mortgages are expected to be an increasing option that baby boomers turn to as they age to cover living expenses, but heirs may get stuck with the final bill.Seniors Can Your Heirs Pay Off Your Reverse Mortgage.allaboutseniorsboomersandsmallhouses.wordpress.com

There was an article recently that mentioned seniors who have reverse mortgages on their homes should pay careful attention as to whether or not their heirs will have the means to pay off the reverse mortgage should they have to.

Heirs Will Have To Pay Off Reverse Mortgage

Heirs will have to handle how the loan is repaid, depending on how much equity remains in the house as well as whether they want to keep the home. But when a property changes hands, the first lien holder on the property title must get repaid and heirs have 30 days decide how to repay it. Heirs may have up to six months to sell the home, or arrange financing by getting a separate mortgage to refinance the home and pay off the reverse mortgage. Two, 90-day extensions are often permitted.

Selling Your Portland Home

Are you thinking of downsizing?  Let me help you prepare your home to sell and get it sold!

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Give me a call at 503-495-5220 if you’re thinking of downsizing and selling your home or wanting to buy a home that is smaller to suit your current needs..

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Portland Among Top Spot For SeniorsPortland Among Top Spot For Seniors.allaboutseniorsboomersandsmallhouses.wordpress.com

According to a recent article by Estately, our Rose City is in the Top 10 out of a list of the 13 Best Cities for Swingin’ Seniors.

Swingin’ Seniors In Portland

Portland was chosen partly because of its high rate of volunteerism among retirees and its relatively low crime rate.

According to the survey, Portland is “a pretty, funky place to spend the best years of your life,” as evidenced by the high number of gray ponytails spotted on the city’s street.

The site also added Portland because the lack of a sales tax “makes it easy to set a budget and stick to it.”

Pittsfield, Mass. was No. 1 on the list, due to its high population of unattached seniors.

Other Top Cities For Seniors

The other cities on the list are:

  1. Pittsfield, MA
  2. Athens, GA
  3. Pocatello, ID
  4. Yuma, AZ
  5. Provo, UT
  6. San Francisco, CA
  7. Minneapolis/St. Paul, MN
  8. Cape Coral, FL
  9. Eureka, CA
  10. Portland, OR
  11. Scottsdale, AZ
  12. Louisville, KY
  13. Austin, TX

Selling Your Portland Home

Are you thinking of downsizing?  Let me help you prepare your home to sell and get it sold!

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Give me a call at 503-495-5220 if you’re thinking of downsizing and selling your home or wanting to buy a home that is smaller to suit your current needs..

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

New Reverse Mortgage Rules For SeniorsNew Reverse Mortgage Rules For Seniors.allaboutseniorsboomersandsmallhouses.wordpress.com

Along with our most recent housing crisis have come new rules and lender requirements for mortgages and loans.  Last fall the reverse mortgage for seniors was under scrutiny and as a result there are now new rules.

Old Mortgage New Rules

I sold real estate and survived the 1980s housing recession when reverse mortgages came to the forefront during that housing crisis.  However, reverse mortgages at that time were not well received because you had to own your house free and clear before you could even qualify for a reverse mortgage.  I remember when a personal friend of mine, who was a mortgage loan officer at that time, made it his mission to pitch the “new” reverse mortgages as his only business source.  Inasmuch as they didn’t become a major player in lending, he ultimately left the lending business.

This housing crisis came with a new platform and a new reverse mortgage. Reverse mortgages became a big hit as seniors found themselves with house plenty and money shortages.  However, even with the alternative source they became, the reverse mortgage was still flawed and the government, namely FHA, soon realized that changes needed to be made thus bringing about an overhaul in 2013.

Major Changes In Reverse Mortgages

The three major changes made to the HECM program at the end of 2013 serve to improve appeal of the loans,  including the merge of the former Saver and Standard loan programs; restricted upfront draws on lump sum loans; and forthcoming underwriting that will determine whether a borrower can continue to meet ongoing loan charges such as property tax and insurance.

The New Reverse Mortgage

Although the changes made to the Federal Housing Administration-insured reverse mortgage program should be considered positive for seniors considering a reverse mortgage. The recent changes made will help protect both the federal government and borrowers, and should also offer a better experience for consumers.

Experts have suggested that changes were necessary to address all the seniors’ and retirees’ growing needs. Hopefully these new updates will aid seniors in feeling better prepared and safer in the face of possible future financial hardships.

You can read more about changes to reverse mortgage program here.

Selling Your Portland Home

Are you thinking of downsizing?  Let me help you prepare your home to sell and get it sold!

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Give me a call at 503-495-5220 if you’re thinking of downsizing and selling your home or wanting to buy a home that is smaller to suit your current needs..

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Seniors And Boomers Six Tips For Healthy Living In 2014Seniors And Boomers Six Tips For Healthy Living In 2014 .allaboutseniorsboomersandsmallhouses.com

It’s January, and by now experts predict we’ve already given up on our resolutions.  However, if staying fit and healthy is on the top of your mind, there are easy ways to live a healthy life.

Be Active And Avoid Falls

Being physically active helps you do the things you want to do and can help prevent falls.  Walking is free and healthy.  Start slow and easy.

There are lots of Senior centers, fitness clubs and college exercise classes to help you take fitness even further. The Arthritis Foundation offers exercise programs that are safe, gentle for people with arthritis and other health conditions.  Call 1-888-845-5695.

Take Charge Of Your Life

You might be thinking this sounds easier than it is.  If you eat better, you feel better.  If you remain physically active, you will also feel better.

Find ways to live better with ongoing health conditions and concerns.  Living Well is a free or low cost 6 week workshop that helps you feel better and do the things you want to do.  Call 1-888-576-7414 to find a workshop.

Eat Healthy

Eating plenty of fruits and vegetables helps you feel better and maintain a healthy weight.

This is something I’ve been doing and continue to do.  I have added more fruits and vegetables to my plate now for quite some time.  My doctor says to eat as many vegetables as you can and I am taking her advice.  I have been finding new ways to incorporate more veggies into my meals all the time.

Get a Check-up

Keep your yearly check-up appointments and bite any illness in the bud before you are too sick to get up and see a doctor. Get as much sleep and rest as your body is telling you meed to get.

Flu season is here so make sure you get your flu shot, and get diabetes and cancer screening.

Be Tobacco Free

I heard on the news just the other evening that tobacco use has dropped significantly.  Quitting tobacco can save you on average at least $1,825 per year. It’s a good decision for your health too.

Did you know Oregon has a Quitline that provides free counseling and nicotine patches or gum?  Call 1-800-QUIT-NOW (1-800-784-8669) for help.

Stay Connected

Talking with friends or family, taking a class and participating in community events help keep both your body and your brain healthy and active.  There are lots of volunteer or employment options such as Senior Companion, Foster Grandparents, Retired Senior Volunteer Program (RSVP) and Senior Community Employment Program (SCSEP).

Additional Information

For additional help contact ADRC (Aging and Disability Resource Connection of Oregon (www.ADRCofOregon.org) or DHS Oregon Department of Human Services.

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Or give me a call at 503-804-9685 if you’re thinking of downsizing and selling your home.

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

My A Ha Moment Getting Rid Of ClutterMy A Ha Moment Getting Rid Of Clutter.allaboutseniorsboomersandsmallhouses.wordpress.com

It’s that time of year when we are packing away, or have packed the holiday decorations until next year. In my continuous quest to get rid of “stuff” and unclutter my home, over the holidays,  I had an “a ha” moment.

An ‘A Ha’ Moment About Clutter

I am on a constant mission to get rid of stuff, clutter and downsize. Are you working on the same thing?  It is that time of year when people are cleaning out and over the holidays I realized something about myself and perhaps you can relate.

Growing Up

When I was a little girl, I didn’t have a lot of toys to play with.  My family and I immigrated into the United States and as a child I used my imagination with what I had. One of the things I used to play was bank.  My mother would go to deposit/withdraw money and I would collect those bank deposit slips and make up names for customers.  I know this was most likely the beginning of my career in real estate, or not, but it was “paper” I collected and I actually had files that I maintained with names of those imaginary bank customers.

My “A Ha” Moment

This all leads me to how the light bulb came on recently when I was once again uncluttering.  I’ve always known I seem to have a love/hate relationship when it comes to saving paper.  There are days I can dump it all in the recycle bin, and there are other days I seem to have an attachment to all that “stuff”. I realized that when I am in my “adult mode”, I don’t have a problem getting rid of it. However, when I am feeling somewhat off or tired, I must be unconsciously holding on to my childhood and can’t for the life of me get rid of all that paper.

Thankfully I’ve been in my adult mode and have been able to fill several trash bags full of my paper collection.  I am not a psychologist, but I do know for myself and how perhaps my childhood plays a role in what I can and can’t seem to get rid of and wonder if there really is a deep connection to that little girl in me.

Portland Real Estate Sellers

When selling a Portland home, I always tell homeowners that the way you live in a home and the way you sell a home are two different things. Almost on a daily basis, I deal with sellers who also have an issue of holding on and not being able to get rid of their clutter.  I have seen it become painful for many sellers when I request their home look like a motel room or model home before putting their house up for sale. I understand how they feel, because there are many times I feel the same way. However, I’m working on a clutter free home.

How are you coming along with downsizing and clearing out your clutter? What emotional attachments or triggers do you have to all your “stuff”?

Selling Your Portland Home

Are you thinking of downsizing?  Let me help you prepare your home to sell and get it sold! Looking for a Portland ranch home or small house?

Looking for Portland Real Estate?

Here’s a link to search for Portland properties.  Or give me a call at 503-804-9685 if you’re thinking of downsizing and selling your home.

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2014. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Seniors Decide Whether To Move Or Not To Move HOA Or No HOA

“Will you still love me, will you still feed me when I am 64…birthday greetings…bottle of wine…” Hard to believe, those Seniors Decide Whether To Move Or Not To Move HOA Or No HOA.allaboutseniorsboomersandsmallhouses.wordpress.comlyrics mean Now for many of us, some already; some shortly. Most of us were brought up in modest post War homes, and saw an incredible leap in housing, both in size and amenities, especially electronics. Now we have seen the housing bust. Many of us ponder how to be wise in the next housing venture in our lives.

What To Do With Your Portland Home?

As we enter retirement it is a common question, “What should we do about the house?” With children raised and on their own, and more time in our schedules, perhaps it is time to downsize in our housing to lower costs and free up time from household chores. What things should be considered?

Social contacts: with more free hours in our day, how are we going to spend our time and separate from career coworkers and office social contacts? Do we have a neighborhood network of friends with shared activities, perhaps things like card games, watching sporting events, craft groups? Would moving to a townhouse or condominium complex provide more resources of book clubs, shared recreation around a pool, clubhouse or tennis courts? On the flip side, if you are a loner, sharing decisions with an HOA Board of Directors and committees on your home might be too much social togetherness.

Recreation: do you long for more time to spend in outdoor activities? Many HOAs in our area offer extensive grounds, access to biking and hiking trails, proximity to public golf courses, pools, river, creek, lake or pond frontage that you might not have in your current home. Being part of a larger community allows you to share in the beauty of the common area, and sometimes affords a closer access to these natural beauties than you can afford in an individual home.

Are you truly ready to downsize? Does giving up the chores of home maintenance, less  square footage to care for and less or no yard work appeal to you? Carefully look into what the HOA dues cover as far as the exterior maintenance of your unit and the grounds. Do the dues cover replacement of siding, roofing, painting, asphalt in private roadways and driveways? Will living in a complex free you of chores such as spray washing sidewalks, having roofs cleaned and gutters and downspouts maintained? The risk of exterior repairs is expanded over a number of units, sometimes as many as 90-110. Some complexes also have employees who assist in a cohesive plan to manage the community. Some managers will help you find contractors for repairs in your home and can ease the anxiety of hiring help.

Security: living in a close HOA community can provide a sense of community, sometimes not found in traditional neighborhoods, as well as the security of proximity of neighbors. For vacations it is also easier to pack up and leave for extended time with neighbors usually willing to look out for your unit. There are a few complexes that have security gates.

CC&Rs: complexes often have extensive conditions, covenants and restrictions that follow the land to protect your investment from neighbors’ difference in values: painting houses strange hues, strange architectural aberrations, or parking unwanted recreational vehicles, broken down vehicles, or an inappropriate number of vehicles on your doorstep as well as your neighbors, not to mention collections of animals not suited for small neighborhoods. Be sure to carefully review these before buying into a complex to be sure your lifestyle will be a good fit.

Finances: HOA dues are a consideration. The median home price in Eugene Springfield is about the median price in mid-level condominiums and townhouses in Eugene. The average dues for the same median priced unit I have mentioned are currently about $275 per month. Most HOA Board of Directors are able to increase the dues about 4% per year, without a vote. If you live in a complex for 20 years, you may pay as much as $80,000-90,000 in HOA dues over time. How does that compare with home ownership? You need to pencil out major repairs you expect over the next 20 years in your current home: fence repair, roof replacement, deck replacement, driveway, sidewalk, etc., as well as painting the exterior several times. Also, pencil in yard care; as you age, you may  need extra help. Also figure in hiring maintenance to clean the roof, and gutters at least once a year, and spray wash concrete every other year, and barking flower beds. I easily calculated as much as $45,000 over 20 years. According to a local financial expert, if you downsize and invest $20,000 of your funds from your home conservatively at an expected rate of 4%, in 20 years the money could increase to about $44,000 which would offset the decrease you now have in your home equity as well as much of the HOA dues.

How To Decide Whether To Stay Put?

Include inflation in your calculations.

Remodeling consideration: no matter what you think the cost of remodeling is, unless you have extremely firm bids, it is my experience projects tend to “take a life of their own.” If your move involves a remodel, be sure to adequately investigate contractors, check references, and get absolute bids in doing your calculations. Consider whether you have the time and energy to remodel. Consult the National Homebuilders Association website and “Remodeling” magazine for advice on what remodels are the most likely to return your investment in the future.  Are you able to do any of a remodeling project yourself? Be sure to get a complete home inspection by a certified home inspector, again before you purchase.

Insurance: be sure to consult with your insurance agent before assuming your home owners insurance will decrease. I was surprised to find mine actually increased although the value of my townhouse is less than my home I moved from.

Interior Design considerations: survey your furnishings, area rugs, appliances. In moving to a smaller home, you may need to replace larger scale items to fit into a smaller space. I recommend budgeting at least $5000 for replacing items.

  1. Energy savings: moving to a smaller home may significantly reduce your utility bills, especially if a high efficiency furnace or ductless heat pump is used. Also, your HOA dues may include garbage and cable.
  2. Have fun with your new adventure. Make sure there is some element of fun and reward for you in your move.

Source: Written by Cindy Conley and reposted with permission. Conley was an interior designer in Eugene-Springfield from 1987-2007, employed in part as a designer by Reed&Cross and Budget Blinds. She has been a Real Estate Broker with John L. Scott since 2007.

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2013. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Seniors Boomers And Small Houses Blog Lost In Cyberspace.allaboutseniorsboomersandsmallhouses.wordpress.comSeniors Boomers And Small Houses Blog Lost In Cyberspace

If you are finding yourself here and wondering what has happened to my site, all my 5 blogs were hacked and have now been deleted. Everything is pretty much gone.

It was a tough decision to make but I decided to move forward instead of trying to recreate the entire blog all over again.  I have been hacked 5-6 times already and have constantly tried to bring all my real estate blogs back on line, but it is far too time-consuming.  Whatever I can still salvage will be posted here.

Sites Up And Running

In the meantime, check out my ALL ABOUT…..Portland.Oregon.Real Estate blog on Facebook or ALL ABOUT…..Lake Oswego Real Estate which are up and running.  Both my photo blogs are also back ALL ABOUT…..Lake Oswego Living.A Photo Blog and ALL ABOUT…..Oregon Snapshots.

Seniors Boomers And Small Houses Blog Under Construction

Therefore – this site is UNDER CONSTRUCTION and more will be posted soon. Check back again!

ALL ABOUT…..Seniors.Boomers And Small Houses.  © Copyright 2008-2013. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

I read an interesting article the other day, but not surprising, about how housing communities are changing for seniors and boomers who want to stay in their homes longer.Housing Communities Changing To Needs Of Seniors And Boomers.allaboutseniorsboomersandsmallhouses.wordpress.com

Housing Communities Changing To Needs Of Seniors And Boomers

The New York Times writes:

Influenced by long-term trends in housing design, communications technology, medical care and the expectations of the largest retiree generation in United States history, the outlines of the next era of American retirement are gaining clarity across the country….

…Software developers and engineers say they are making it easier for people to stay in their homes — urban or suburban — by inventing sensors, audio and visual equipment, and communications devices to provide care remotely. Much of the data, video and sound is accessible online, enabling instant contact with residents, and providing peace of mind for friends and family.

“In 20 years, many more people will stay in their homes who need help but don’t need to be in nursing care or assisted living,” said Casey Clements, the managing director of Rest Assured, which installs sensing and communications devices and assigns a trained staff member to provide what it calls telecare from its offices in Lafayette, Ind.

“Technology is changing in our favor,” he said. “Costs are coming down and these tools are already easy for clients to operate. We see many, many more people turning to this kind of system so that they can stay in their homes.”

…Master-planned retirement communities, which serve what the market calls “active independent adults,” are being built much closer to downtowns because customer surveys clearly indicate that buyers expect to continue working in their retirement years.

“With future baby boomers working part time, starting new businesses or new careers, it’s not surprising that they want to stay connected to their current community but still take advantage of an active lifestyle,” said Deborah Meyer, chief marketing officer for the PulteGroup.

Read the full NY Times article.

ALL ABOUT…..Seniors.Boomers And Small Houses. © Copyright 2008-2013. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of federal copyright laws.

Contact Betty Jung

Betty Jung, Broker
CRS, GRI, ABR, SRES, CNHSS

RE/MAX equity group
5800 Meadows Rd. #100
Lake Oswego, Oregon 97035

503-804-9685 Cell


503-495-5220 Office Direct/Voice Mail


1-888-927-6789 x 5220 Toll Free


or email:bettyjung.rebroker (at) gmail.com

"Successfully Selling Real Estate Since 1975!"

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