Category Archives: Senior Living

What is a Reverse Mortgage?

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From the California Department of Real Estate

If you are 62 or older, reverse mortgages are a way to borrow against the equity in your home (the value of your home minus any mortgage debt you may have) to provide what may be tax-free income (often referred to as cash flow). A reverse mortgage requires no scheduled loan payments until the loan ends.

Potential Advantages of a Reverse Mortgage
• A reverse mortgage may help you continue your financial independence and maintain or improve your quality of life.
• A reverse mortgage allows you to remain in and keep the title to your home.
• The money you receive is generally not considered taxable income. You should consult with an independent tax professional to determine individual tax consequences of a reverse mortgage.
• You make no payments until the end of the term of the loan (defined to be when the last eligible borrower permanently leaves or sells the home, when you die, when a fixed due date occurs, or at the end of the loan term as it otherwise may be determined).
• You can eliminate mortgage payments by paying off existing loans through proceeds from the reverse mortgage.
• You can select from several different benefit payment plans/options to meet your needs.
• Your income or credit score is not a consideration in obtaining a reverse mortgage, since no payments are required until the loan ends. • Independent counseling is required in advance.

Potential Drawbacks of a Reverse Mortgage
• They are more complicated than conventional mortgages, and the consequences of various plans/options are not always obvious.
• They are relatively expensive compared to other loans, including home equity loans, especially at the time the loan is originated.
• Although the money you receive is typically income tax-free, it may affect your eligibility under existing law for “needs-based” public assistance benefits such as Supplemental Security Income (SSI) and Medicaid/MediCal.
• They may reduce or eliminate the equity in your home, affecting the estate to be distributed to your heirs.
• When the product is other than an FHA-insured mortgage, you should confirm the reverse mortgage is entirely a non-recourse loan. This means the liability to repay the loan is limited to your home (its then market value or sales price) and would not subject any of your other assets or income, or the income and assets of your heirs, as sources for repayment.
• They are often not well understood by real estate, mortgage, tax, or legal professionals. Check out their experience with these mortgages before accepting their advice.

Important Questions to Ask Before Choosing a Reverse Mortgage
• How much money do I need?
• Is there a way to meet my needs that does not involve a reverse mortgage?
• Will a reverse mortgage make my partner or me ineligible for any “needsbased” public assistance benefits—now or in the future?
• Does my home qualify for a reverse mortgage?
• How much can I borrow through available reverse mortgage products?
• How much will it cost me in origination fees, closing costs, interest, monthly, or periodic fees?
• Will I have to sell my home before I die to pay off the reverse mortgage?
• If I die and my partner is still living in my home, will he or she have to leave or pay off the reverse mortgage?
• Will the reverse mortgage become due and payable if I require long-term care and move to an assisted-living facility, or to a nursing or convalescent home?
• Will there be anything left for my partner, my heirs, or me when the reverse mortgage is fully paid?
• Are there any fees, costs, or other charges due when the reverse mortgage is fully paid? (Regardless of product, prepayment penalties cannot be demanded when the reverse mortgage is partially or fully prepaid.)
• What are my continuing financial obligations with a reverse mortgage, such as property maintenance, property taxes, insurance premiums, and homeowners’ association assessments or fees (as applicable)?

Types of Reverse Mortgages
• FHA-insured mortgage: A Home Equity Conversion Mortgage (HECM) product.
• Lender or privately insured mortgages: These are known as “proprietary” products, but such products are not currently available.
• Uninsured mortgage products offered by a financial institution or a licensed lender: Again, proprietary products are currently not available.

Important Things to Do Before You Make a Decision
• Decide how long you expect to stay in the home.
• Consult with a Housing and Urban Development (HUD)-approved reverse mortgage counselor before you apply. A counselor can help you decide whether a reverse mortgage or some alternative is the
best choice for you. To find a HUD-approved Home Equity Conversion Mortgage (HECM) counselor near you, call (800) 569-4287.
• Decide if you really need a reverse mortgage. Another type of loan may be a less costly solution. Discuss this with a counselor.
• Include trusted family members in the decision-making process. If inheritance is an issue, adult children may be willing to help.
• Shop around and compare offerings. Not all reverse mortgages are the same; their terms vary substantially.
• Determine if a reverse mortgage will affect your ability for “needsbased” public assistance benefits.
• Review your mortgage broker’s license record. Call DRE for clarification on any discipline taken.
To contact the California Department of Real Estate, call (877) 373-4542 toll-free for assistance in
English or Spanish. Visit www.dre.ca.gov.

CAUTION: This general information is NOT a substitution for the advice of an attorney, accountant, and/or financial planner. Before you decide to pursue a reverse mortgage, you should carefully consider your individual circumstances so you can make a wise decision about the most valuable asset you may own—your home. Factors to consider include whether the proposed reverse mortgage is a recourse or nonrecourse loan, whether the loan would have a fixed or adjustable interest rate, and/or the current or projected market value of your home.

Bridging Generations: Volunteers Needed to Support Ventura County Seniors

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by Debbie Lasley

As Volunteer Coordinator for CAREGIVERS: Volunteers Assisting the Elderly, I’m thrilled every day by the
inspiring individuals I meet, all eager to make a difference in our community. The interviews I conduct with potential volunteers are truly eye-opening, each person sharing a unique story that fuels
my passion for this work. It’s amazing to hear the heartfelt reasons behind their desire to volunteer. Each has a meaningful reason to lend a hand to our elderly neighbors, and these inspiring stories highlight the powerful connections being forged within our community. Every interaction reminds me of the impact we can make on each other’s lives, and I can’t wait to see what unfolds as we work together to create a brighter future for our elders.

Our Building Bridges Intergenerational Program is one of the most magical parts of our organization, bringing together adult volunteers and enthusiastic students each week to serve seniors. This program
connects generations, shares wisdom, and creates lasting bonds. It enriches the lives of seniors while also empowering the next generation to carry forward a legacy of kindness and community spirit.

Currently, our program boasts 10 incredible teams across Ventura County, but we’re on a mission to grow! We’re always seeking passionate adults and students to join us in our goal of serving all 600 of our cherished seniors. Whether you’re looking to make a meaningful impact, share your time, or learn from
the rich experiences of our elders, we invite you to become part of this transformative journey. If you’re interested in lending a hand or learning more about how you can contribute, don’t hesitate—give us a call. Together, we can create even more magic and strengthen the bonds in our community. Your involvement can make a world of difference.

To learn more about CAREGIVERS: Volunteers Assisting the Elderly, call (805) 658-8530

Falls are a significant concern for seniors in the U.S.

Prevalence of Falls

  • Approximately 36 million falls are reported among older adults each year in the U.S. (adults aged 65 and older).
  • Out of these, about 8 million result in injury.
  • Falls are the leading cause of injury-related deaths among seniors. In 2021, there were around 36,000 deaths attributed to falls in older adults.

Injuries from Falls

  • Every year, about 3 million seniors are treated in emergency departments for fall-related injuries.
  • More than 800,000 hospitalizations occur due to falls, often involving serious injuries like hip fractures or head trauma.

Fractures

  • Falls cause over 95% of hip fractures among older adults.
  • Many fall-related fractures involve the spine, forearm, leg, ankle, pelvis, upper arm, and hand.

Impact on Quality of Life

  • Falls can lead to a loss of independence, with many older adults unable to return to living independently after a fall.
  • Fear of falling can also lead to a decrease in physical activity, contributing to further decline in balance, strength, and overall health.

Information and statistics sourced from the Centers for Disease Control and Prevention (CDC), National Council on Aging (NCOA) National Institute on Aging (NIA) and the Journal of the American Medical Association (JAMA).

Ventura County Forum Educates Seniors on Fall Prevention

by Carol Leish, MA

eynote speakers Dr. Thomas Duncan, Trauma Medical Director at Ventura County Medical Center, and Dr. James Hornstein, Family Medicine Doctor, shared insights on fall prevention at the 2024 Ventura County Fall Prevention Forum.

The 2024 Annual Fall Prevention Forum for Ventura County was held on Friday, September 27, at California Lutheran University in Thousand Oaks. Organized by the Ventura County Elderly Fall Prevention Coalition, the forum aimed to educate seniors on preventing both initial and subsequent falls.

“People who experience a first fall are more likely to fall again, so our goal was to provide education on how to avoid future falls,” said Julianna Eusanio, MSW, Fall Prevention Coordinator at the Ventura County Area Agency on Aging (VCAAA).

Over 400 people attended the event, which featured two keynote speakers: Dr. Thomas Duncan, Trauma Medical Director at Ventura County Medical Center (VCMC), and Dr. James Hornstein, a family medicine doctor also affiliated with VCMC.

Registered dietitian Aurora Meadows led a healthy recipe demonstration, showing attendees how to prepare a smoky black bean, butternut squash, and kale salad. The event also included an interactive Zumba demonstration, which participants enthusiastically joined, as well as a Tai Chi demonstration led by instructor Fred Case. Physical therapists provided balance assessments, blood pressure screenings were available, and attendees had the opportunity to receive their annual flu vaccinations.

“Staying active is key to reducing the risk of falls,” said Eusanio.

The forum, free and open to all Ventura County residents, attracted many seniors, some accompanied by family members. “It was important to raise awareness about fall prevention in a fun and engaging way, which is why this year’s theme was ‘All Aboard the Fall Prevention Train,’” Eusanio added.

A free lunch, catered by Caribbean Haven, was provided. The event also featured a variety of vendors, including government agencies, home health organizations, and adult day health care providers. Los Robles Hospital and Tri-County GLAD (Greater Los Angeles Agency on Deafness) were present, with ASL interpretation available for those who needed it.

The day concluded with a raffle of donated gift baskets.

This year’s forum was held in Thousand Oaks to serve the eastern part of Ventura County, while last year’s event took place in Oxnard to accommodate residents in the western region. Next year’s forum will return to the western part of the county, continuing the annual effort to help older adults prevent falls.

For more information on free fall prevention classes for those over 60, contact Julianna Eusanio at [email protected] or 805-477-7300. You can also view available classes at www.vcaaa.org.

Smart Organic Choices: A Guide for Seniors

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Eating organic can offer health benefits, especially for seniors looking to reduce exposure to pesticides and harmful chemicals. However, organic produce often comes at a higher cost. To help prioritize spending, the Environmental Working Group (EWG) has identified certain foods to avoid unless organic and others that are safer to eat conventionally. Known as EWG’s ‘Dirty Dozen’ and ‘Clean Fifteen,’ these handy lists are a great resource for making healthier, budget-friendly choices at the grocery store.

Visit www.ewg.org for more information

Dirty Dozen
Strawberries
Spinach
Kale, Collard, and Mustard Greens
Grapes
Peaches
Pears
Nectarines
Apples
Bell and Hot Peppers
Cherries
Blueberries
Clean Fifteen
Sweetcorn
Avocado
Pineapple
Onions
Papaya
Sweet Peas
Asparagus
Honeydew Melon
Kiwi
Cabbage
Watermelon
Mushrooms
Mango
Sweet potatoes
Carrots

Connie Gunderson: Crafting Sustainable Art from Reclaimed Materials

by Patricia Schallert

At 77 years old, Connie Gunderson epitomizes creativity and resilience from her sunny home in Ventura, California. Originally from the stunning landscapes of Hawaii, Connie draws deep inspiration from her island upbringing, blending vibrant culture and natural beauty into her craft. Her passion lies in creating unique handbags that merge sustainability with artistry. Utilizing reclaimed materials such as upholstery and cork, Connie’s handbags are wearable art, transcending simple accessories to become reflections of her life experiences and a testament to her environmental commitment.

Each handbag tells a story, showcasing her heritage and innovative design. Connie’s work transforms everyday items into artistic statements, promoting a sustainable lifestyle without compromising style. Her use of cork adds another layer of eco-friendliness and elegance to her designs. Cork is lightweight, durable, water-resistant, and features unique textures that make it an ideal choice for chic, practical handbags.

Her combination of cork, upholstery, and other repurposed fabrics creates bags that are not only eco-friendly but also easy to maintain. Connie sources her cork primarily from cork oak trees found in Mediterranean regions like Portugal, Spain, and Morocco. These trees have a lifespan of more than 200 years and are harvested in a sustainable manner. The initial harvest occurs when the tree reaches 25 years of age, with the outer bark carefully stripped in the summer months when it’s easiest to remove. After harvesting, cork trees regenerate their bark in about 9 to 12 years, allowing for continual, sustainable harvesting.

Connie is a graduate of Cal Poly San Luis Obispo with a degree in biology. After working as a medical technologist for many years, she rediscovered her passion for fabric in retirement. Often referred to as “the Bag Lady,” this self-taught artist frequently participates in local events across Ventura County. Grateful for the opportunity to pursue her dream, Connie joyfully shares, “Thank the Lord I get to do what I love—making my handbags.” Don’t miss her next event on November 3 at Art in the Marina!

Visit ConnieGunderson.com to learn more about the artist and her work.

Ventura Council for Seniors: Free Speaker Series

The Ventura Council for Seniors (VCS) is hosting two upcoming events offering valuable information on topics relevant to the senior community. For more details about these free events, call 805-648-3035 or visit www.cityofventura.ca.gov/vcs.

  • Tuesday, October 15, 2024 – Elder Safety and Scam Prevention, presented by the Ventura Police Department.
  • Tuesday, November 19, 2024 – L.I.F.E. (Legal Information for Elders), presented by Grey Law.

Location:
Ventura Avenue Adult Center
550 N. Ventura Avenue
Ventura, CA 93001

Elder Scam Alert: How to Recognize and Prevent Fraud

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The City of Ventura’s website offers detailed information on common scams targeting people of all ages and backgrounds. Unfortunately, elderly individuals are particularly vulnerable to these crimes. It’s essential to stay informed, recognize warning signs, and know where to seek help.

The Grandparent Scam:
In this scam, victims receive a phone call from someone pretending to be their grandchild, claiming to be in jail, hospitalized, or recently involved in an accident. The scammers typically say they are out of state or in another country and need money wired to a “bail bondsman,” attorney, or other individual to resolve the emergency. The requested amounts have ranged from $500 to $5,000. To make the ruse more convincing, scammers may use phones with static to mimic a distant location.

This scam works by exploiting the emotions of caring, trusting seniors who are concerned for their grandchild’s safety. Some victims reported to the Ventura Police Department that, despite being suspicious, their worry and anxiety for their grandchild overshadowed their doubts. Others complied out of fear that the scammers had additional personal information about them or other family members. Sadly, some victims were initially too embarrassed to report the crime.

How to Protect Yourself:
Never follow instructions from someone on the phone who is asking for money or personal information. Take time to verify the caller’s story. For example, ask a question that only a family member would know the answer to. If you are suspicious, do not send any money—hang up and report the incident to the police.

You can also report scams online to the National Consumers League’s Fraud Center at www.fraud.org. They maintain a national repository of scam information and will ensure your report reaches the appropriate authorities. If you are the victim of a crime, report it immediately to the Ventura Police Department at 1425 Dowell Dr., Ventura, CA, or call 805-339-4400. Visit cityofventura.ca.gov for more information.

Getting Active Isn’t Just About Adding Years to Your Life — It’s About Adding Life to Your Years!

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A well-rounded exercise program offers numerous benefits, delivering the healthy results you need as you age. There are four types of exercise: endurance, strength, balance, and flexibility. Research shows it’s important to include all four in your workout routine, as doing one type also improves your abilities in the other three areas.

The Four Types of Exercise

  1. Endurance: Aerobic exercise (meaning “with air”) utilizes your cardiovascular system, strengthening your heart and lungs. Endurance exercises increase stamina, improve lung capacity, burn calories, and release endorphins, boosting your mood. Examples include dancing, walking, jogging, swimming, biking, and jumping rope.
  2. Balance: Balance exercises aim to improve your postural control by helping various parts of your body work together to create and maintain stability. Good balance increases coordination and helps prevent falls. Examples include dancing, calisthenics, tandem walking, Pilates, balancing on one leg, and leg extensions.
  3. Strength: Maintaining muscular strength as you age is vital. Strength training involves physical exercises designed to make you stronger and increase endurance. Some strength exercises to incorporate into your routine include lifting weights, using resistance bands, pull-ups, push-ups, sit-ups, lunges, squats, standing and sitting exercises, and using exercise balls.
  4. Flexibility: I like to call flexibility training the “three L’s”—longer, looser, and limber. Flexibility exercises improve your joints, making daily tasks and physical activities easier. Stretching is the best way to improve flexibility. It elongates muscles, reduces stiffness, and helps prevent injuries, while also promoting good posture and improving balance. There are two types of stretching: static and dynamic. Static stretching involves holding a position for a short time without moving, while dynamic stretching combines movement with stretching. It’s important to stretch both before and after your workouts.

Improving Your Quality of Life

Physical exercise is only part of the equation but has a tremendous impact on reducing the adverse effects of aging. Regular movement can keep your mind sharp and youthful. As you age, there are many reasons people tend to slow down and become sedentary—health problems, weight gain, pain, fear of falling, or simply the belief that exercise isn’t for them. Whatever the case, try your best to stay active. Physical activity contributes to longevity and happiness, adding not just years to your life but life to your years. Let’s get moving and have fun—so you can enjoy every day to the fullest!

Healthy Tips for Seniors

  • Exercise regularly and stay active
  • Maintain strong bones
  • Don’t let joint pain slow you down
  • Eat a heart-healthy diet
  • Drink plenty of fluids
  • Keep up with wellness appointments and screenings
  • Make sure your hearing is clear
  • Get enough rest
  • Take care of your eyes
  • Keep your medications organized and safe
  • Engage in activities you enjoy
  • Spend time with friends and family
  • Keep your mind engaged through classes, hobbies, games, and reading
  • Know that you can do anything you set your mind to
  • Maintain a positive outlook on life

Leslie Sokol is the creator and founder of the “For the Young at Heart” TV show and program.

Join the fun and subscribe today to our membership program, featuring dozens of fun and active dance and fitness videos to choose from. In-person dance and fitness classes are also available, geared toward individuals aged 55 to 105.

Contact Leslie at: LeslieSokolsdance.com

September is National Preparedness Month – Do You Have a Plan?

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September is National Preparedness Month, making it a perfect time to plan and prepare for what you and your loved ones will do in an emergency. California faces various risks, including wildfires, floods, extreme heat, earthquakes, and landslides. These risks vary depending on where you live, but every community in California is vulnerable. You can learn more about the risks in your area by visiting MyHazards.caloes.ca.gov, a resource from the Governor’s Office of Emergency Services. By planning ahead, you empower yourself and your loved ones to navigate these challenges with resilience and preparedness.

Do you and your loved ones have an emergency plan?

California offers a wealth of resources to help older adults prepare for disasters. The California Department of Aging recently released an Emergency Preparedness Guide, available for viewing or download at Aging.ca.gov. This guide helps older adults, individuals with disabilities, and people with access and functional needs prepare for emergencies while considering their unique circumstances. California’s network of 33 Area Agencies on Aging, along with community partners and emergency services managers, is actively developing and revising disaster preparation and response plans to help all Californians be ready in the event of a disaster.

Individuals can take steps to prepare themselves, their families, and their homes. Anchored in the Governor’s Office of Emergency Services, ListosCalifornia.org promotes a five-point approach to disaster readiness:

Five Readiness Actions

  1. Sign up for emergency alerts: Visit CalAlerts.org to register for emergency alerts in your area. You can also sign up for alerts for older loved ones.
  2. Make a disaster plan: Create a list of important contacts, decide on a meeting place if separated, and practice your plan.
  3. Pack a go-bag: Include essential items for each family member, such as important documents, keys, wallet, ID, phone, charger, and medication.
  4. Prepare a stay box: Pack supplies like non-perishable food, water, a flashlight, trash bags, and enough medication for at least three days.
  5. Help friends and neighbors: Exchange contact information and plan how to assist each other in an emergency.

Building trusted connections with family, friends, caregivers, and healthcare providers is critical to ensuring the needs of older adults and individuals with disabilities are met during emergencies. Important considerations include:

  • Identifying at least four support individuals
  • Planning for accessible transportation and evacuation routes
  • Preparing a go-bag
  • Planning for backup power for medical devices
  • Creating a plan for your pets (visit Ready.gov/Pets)
  • Practicing evacuation plans with reliable support individuals, neighbors, or caregivers
  • Securing access to food if you rely on congregate meal sites or meal delivery services
  • Discussing continuity of care if you receive in-home care
  • Labeling assistive medical devices and securing backups if possible

What Should Older Adults Put in a Go-Bag?

  • Water
  • Non-perishable food
  • Medication (especially prescriptions)
  • List of prescriptions
  • Eyeglasses
  • Copies of important documents
  • List of important phone numbers
  • Cash
  • Flashlight and extra batteries
  • First aid kit
  • Whistle (to signal for help)
  • Moist towelettes, garbage bags, and plastic ties for sanitation
  • Personal hygiene items
  • Manual can opener
  • Cell phone charger
  • Backup battery

Additional items for a go-bag might include hand sanitizer, clothing, a blanket, and pet food. Keep emergency kits in an easily accessible location near your main exit route in case you need to leave quickly.

Listos California also offers a Disaster Recovery Resources Guide in English and Spanish, which includes information on housing assistance, replacing vital documents, help replacing prescriptions, accessing food, and more. A variety of safety and disaster preparedness flyers are available, covering topics such as severe storm safety and a Disaster Ready Card in 14 languages.

Preparing for emergencies is easier than you think. From low- or no-cost preparedness actions to ready-made kits, there are numerous resources available to help you and your loved ones stay safe.

Visit aging.ca.gov for more information.