Born to Age Peninsula Winter 2023

A Directory of Services for Older Adults

Quality of life for clie nts; peace of mind for families. patricia@mscsgcm.com

From the Publisher…

Dear Readers,

Welcome to the inaugural issue of Born to Age Peninsula, Fall 2022/Winter 2023. We are proud to present this quarterly directory for the elder care industry and hope that you find it valuable and enjoyable.

We would like to take this time to acknowledge all those who work in the elder care industry. This last year has been extremely difficult, and we appreciate all of the heroes who have done a great job helping our seniors and their families with health, financial, and life challenges. We look forward to a promising 2023 ahead.

We owe a great deal of gratitude to those in our community who have supported this publication with writing, artwork, and advertising. This edition would not be possible without you.

This directory is filled with resources of all kinds, from health to financial to home improvement. There is something for every reader and every community member. This directory celebrates the aging process for our community through engaging editorial content and effective marketing.

We hope you enjoy the articles and benefit from the resources within. As we continue to publish this directory on a quarterly basis, we hope that you will join us with your writing, resources, and events.

We also welcome you to subscribe to our publication and to share your feedback on articles herein. Please contact the editor, Annamarie Buonocore, at Annamarie@borntoage.com. Here is to a great new year and winter season!

Sincerely,

Annamarie Buonocore Publisher/Editor

P.O. Box 5402, San Mateo, CA 94402 (650) 504-8549, Fax (650) 358-9254

Business matters, advertising and editorial concerns should be addressed to Born to Age, P.O. Box 5402, San Mateo, Calif. 94402 or by calling (650) 504-8549, fax (650) 358-9254.

Born to Age Peninsula is not responsible for any action taken by any person as a result of reading any part of any issue. The pieces are written for information, entertainment and suggestion – not recommendation.

The pursuit of making healthcare decisions or any action reflected by this magazine is the responsibility of the individual and not of this magazine, its staff or contributors. Opinions expressed are those of the individual author and not necessarily those of Born to Age.

The publisher reserves the right to edit and rewrite, as necessary, all copy submitted for publication.

All editorial and advertising matter in this edition is copyrighted. Reproduction in any way is strictly prohibited without written permission of the publisher.

©2023 InFlight Publishing

Publisher Annamarie Buonocore

Managing Editor Vickie Buonocore

Graphic Design André Garabedian

Contributing Writers Laura Biché

Denise Rae DeGregoire Sally Gersbach

Angelique MacArthur Julio Martinez

Advertising Sales Annamarie Buonocore

Activities ....................................... 4

Advance Directive for Health Care

Affordable Housing Resources

Attorneys 4 & 5

Care/Management Planning 5

Certified Senior Advisers/ Placement Agents

Congregate Meals (Contact each location for information about its programs) Conservators/Trustees

Consumer Advocacy Services Counseling Services ..................... 6

Driving Courses

Education Emergency Preparedness Estate & Financial Planning Services Fall Prevention Food Pantry .................................. 7

Home Energy Assistance Home Improvement

Home Rehabilitation Loan Program Home Sharing Home Counseling Independent Living Information & Assistance Insurance Counseling Legal Services

Long-Term Care Insurance Counseling Long-Term Care/ Medical Planning ................. 7 & 8 Market Days ................................. 8 Real Estate

Reverse Mortgage Senior Centers

Senior Government Utiliy & Weatherization Assistance Wellness/Spas

Adult Day Health Care ................ 11

Adult Protective Services

Alzheimer’s Referral & Education

Assisted Living: Board & Care Assisted Living: Communities Assisted Living:Complaints

Assisted Living: Alzheimer’s/ Dementia/Memory Care 11 & 12 Caregiver Resources & Support . 12 Caregiver for Hire

Caregiver Training Services

Chiropractic Care Chore Services

Dentures & Dental Care Assitance Dinner Delivery Program

Disaster Assistance

Elder Abuse Advocacy

Elder Advocacy

Family Caregiver Support Services

Friendly Visitors Guide Dogs/Service Animals Health & Medical Supplies . 12 & 13

Hearing Aids ............................... 13

Home Health Care Services Home-Delivered/Congregate

Meal Locations

In-Home Supportive Services Medical Equipment Medical Transportation 14 Membership Services Mental Health Nursing Home Complaints/Litigation Nursing Homes Palliative Care Pharmacies

Physical Therapists Placement Service Recycled Health & Medical Supplies

Respite Care

Shopping/Errand Service Support Groups .................... 14&15

Telephone Reassurance ............. 15

Transportation & Escort Services

Veterans Services

Visually Impaired Service Wheelchair Transportation Wound Care Body & Organ Donation ............. 18 Burial Cremation & Funeral Services

Grief Support Groups Hospice/Palliative Care Trust/Probate Administration

The PBS television series, Finding your Roots, has been gracing the screens of public television viewers since March 25, 2012. Hosted by educator Henry Louis Gates Jr., Season 9 will begin airing January 3, 2023. “I want to say how deeply proud I am of this series,” says Gates. “I think it’s so important, especially now, to show all that we have in common as Americans and as human beings, despite our apparent differences.”

Harvard professor Gates brings celebrity guests onto the show in his quest to “get into the DNA of American culture.”

His upcoming season will spotlight 21 pesonalities, spread out over 10 episodes. When asked if there were any surprises, he just chuckled. “I will give you a few. One of my first guests, Ed Norton discovered he’s a direct descendant of Pocahontas. She is Norton’s 12th great-grandmother, and we prove that through the paper trail, the genealogical records.”

There were a lot more than a few surprises. Through DNA research, Gates’ team revealed the true identity of Carol Burnett’s maternal grandfather, one of five different men who were married to Carol’s very colorful grandmother. Also, Claire Danes and Jeff Daniels discovered that they have ancestors on both sides of the Salem

Finding Your Roots

By Julio Martinez

witch trials. Claire’s 9th great-grandmother was accused of bewitching her neighbor’s cattle, and she was hanged. Meanwhile, Jeff’s 8th great-grandfather was an accuser who was involved in two trials that both ended in executions of the accused. There’s no evidence that Claire and Jeff’s ancestors knew each other, but it’s a tantalizing possibility.

Gates avows, “The stories we find in our guests’ family trees demonstrate over and over again that we are a fundamentally blended nation, bonded, held together by shared values, and we draw strength as a nation from that diversity.” Quoting one of his heroes, the great physicist Steven Hawking, Gates affirms, “’It is the past that tells us who we are. Without it, we lose our identity.’ Hawking was talking about the history of the universe but think of how much truer that is for each of us as individuals.”

Gates also revealed that there were surprises that were revealed about every guest on his show. Oscarwinning actress Viola Davis discovered that her great-great-grandfather was forced to serve in the Confederate Army; a Black man forced to serve as a servant in the Confederate army as the servant of his owner’s son. Danny Trejo learned how his greatgreat-grandfather brought

his family from Mexico to Texas, crossing the border on foot to work in a cotton field. Black Power revolutionary Angela Davis discovered that she has not one, but two white grandfathers, both of whom were unknown to her before, discovered purely by using DNA.

Tamera Mowry Housley sees her mother’s roots traced back to her 3rd greatgrandparents who were both born into slavery in the Bahamas in the 1820s. Meanwhile, Tamera’s father’s ancestry stretches back to her 13th greatgrandfather, William Brewster, who was born around 1567 in England, and was a passenger on the Mayflower.

Joe Manganiello has two incredible DNAstories. On his mother’s side, his great-great-grandfather, was a German soldier who impregnated a survivor of the Armenian genocide. And on his father’s side, it was revealed that one of Joe’s biological great grandfathers was actually a Black man named Plato Turner, who was born in Africa, and fought in the Continental Army. He was of one of 5,000 Black men who served as a Patriot in the Continental Army in the war for our independence.

Asked if there was any sort of information that his team uncovered that he would need to share privately with a

guest before revealing it on the air (i.e. what if something came up in the DNA that reveals a hereditary illness) Gates replied, “I interviewed a scientist, and it was revealed that there were two generations of suicide in his family history. We don’t get a guest’s medical information, in general, but we do have an ethics protocol. Everything a guest learns, he or she learns on the spot. But if we had found out that Tamera’s father wasn’t her biological father, for example, or that she had been adopted, we would tell her that privately. And we’ve had situations like that.”

Gates’s ethics protocol was developed in consultation with his team’s genetic genealogist. The hypothetical question is: ‘We have found something that is forever going to change your understanding of your family. Do you want to know, or not?’ “No one has ever said, ‘No, I don’t want to know,’ says Gates. “But if they do say, ‘I want to know,’ then we tell them.”

One of Gate’s favorite guests was actress Julia Roberts, who learned she wasn’t really a ‘Roberts’ at all. “DNA proved that her great-grandfather, John Roberts, is actually the son of a man with a different surname… but you have to tune in to Season 9 to learn that name.”

Planning Index

activities

City of San Mateo Parks & Recreation cityofsanmateo.org/parksand-recreation 650-522-7400

2001 Pacific Blvd. San Mateo, CA 94403

Daly City Department of Parks & Rec dalycity.org/327/Recreation 650-991-8001

111 Lake Merced Blvd. Daly City, CA 94015

Foster City Village fostercityvillage.clubexpress.com 650-378-8541 fcvillage94404@gmail.com

1000 E. Hillsdale Blvd. Foster City, CA 94404

Hiller Aviation Museum hiller.org 650-654-0200 601 Skyway Rd. San Carlos, CA 94070

Los Altos History Museum losaltoshistory.org 650-948-9427

51 S. San Antonio Rd. Los Altos, CA 94022

Millbrae Department of Parks & Rec ci.millbrae.ca.us/departmentsservices/recreation 650-259-2360

621 Magnolia Ave. Millbrae, CA 94030

Oakland Aviation Museum oaklandaviationmuseum.org 510-638-7100

8252 Earhart Rd. Oakland, CA 94621

Redwood City Department of Parks & Recreation redwoodcity.org/departments/parksrecreation-and-community-services 650-780-7311

1120 Roosevelt Ave. Redwood City, CA 94061

San Mateo County Historical Association historysmc.org 650-299-0104 2200 Broadway Redwood City, CA 94063

San Mateo Elks Lodge sanmateoelks1112.org/ 650-345-4886

229 W 20th Ave. San Mateo, CA 94403 advance directive for health care

California Medical Association Call: 800-882-1262

To order a kit!

San Mateo County Ombudsman ossmc.org 650-780-5707

711 Nevada St. Redwood City, CA 94061

affordable housing resources

Casa De Redwood Low Income Senior Housing 650-369-4819

1280 Veterans Blvd. Redwood City, CA 94063

Housing Authority of the County of San Mateo housing.smcgov.org 650-802-3300

264 Harbor Blvd., #A Belmont, CA 94002

Lesley Terrace lesleyseniorcommunities.org 650-593-1818

2400 Carlmont Dr. Belmont, CA 94002

Peninsula Del Rey Ask about Senior Apartments! srgseniorliving.com 650-741-1537

165 Pierce St. Daly City, CA 94015 attorneys

Cookman Law Ellen Cookman, Esq. cookmanlaw.com 650-690-2571

2100 Geng Rd., Ste. 210 Palo Alto, CA 94303

Dolan Law Firm PC dolanlawfirm.com 415-619-5204

1438 Market St. San Francisco, CA 94102

Law Offices of Albert K. Martin 650-342-6315

630 N San Mateo Dr. San Mateo, CA 94401

Lee & Haraguchi, APC Erika M. Haraguchi, Esq. Estate and Trust Planning leeharaguchi.com 650-918-7865

611 Gateway Blvd., Ste. 120 So. San Francisco, CA 94080

Loew Law Group loewlawgroup.com 650-397-8700

1650 Borel Pl., Ste. 123 San Mateo, CA 94402

McDowall • Cotter Karishma Patel, Esq. Attorney at Law mcdlawyers.net

T: 650-572-7933

F: 650-572-0834

2070 Pioneer Ct. San Mateo, CA 94403

Planning Index cont’d

San Mateo County Bar Association smcba.org 650-369-4149

333 Bradford St., #200 Redwood City, CA 94063

Rodnunsky & Associates

Don Sweet, Esq. Estate Planning and Legal Services rodnunskylaw.com 650-285-5400

2000 Alameda de las Pulgas, #154 San Mateo, CA 94403

Trusted Law Corporation

Pamela Bobowski, Esq. Estate Planning Attorney trustedlc.com 650-504-1995

951 Mariners Island Blvd., Ste. 300 San Mateo, CA 94404 care management planning

Bay Area GCM bayareagcm.net 650-654-1510

503 Seaport Ct., Ste. 106 Redwood City, CA 94063

Clark Care Associates clarkcareassociates.com 650-879-9030

325 Sharon Park Dr., Ste. 408 Menlo Park, CA 94025

Faenzi Associates faenziassociates.com 650-401-6350

327 N San Mateo Dr., #8 San Mateo, CA 94401

Maxwell Senior Care Services maxwellseniorcare.com 650-373-2145

1611 Borel Pl., #200 San Mateo, CA 94402

certified senior advisor/ placement agents

Better Living for Senors Terrie Cardoza terrie@betterlivingforseniors.org

Dmitri’s Placement Services tndplacements.com 415-816-5183

congregate meals

Note: Contact each location for menu items, hours of operation, and information about their programs.

BELMONT

Twin Pines Senior & Community Center* 20 Twin Pines Lane 650-595-7441

DALY CITY

Doelger Senior Center* 101 Lake Merced Blvd. 650-991-8012

Lincoln Park Community Center* 901 Brunswick St. 650-991-8018

EAST PALO ALTO

East Palo Alto Senior Center* 560 Bell St. 650-329-5900

FOSTER CITY

Foster City Recreation Program 650 Shell Blvd. 650-286-2585

HALF MOON BAY

Senior Coastsiders* 925 Main St. 650-726-9056

MENLO PARK

Peninsula Volunteers, Inc. Little House 800 Middle Ave. 650-326-2025

Menlo Park Senior Center 110 Terminal Ave. 650-330-2280

PACIFICA

Pacifica Senior Services*

540 Crespi Dr., Hwy. 1 650-738-7350

REDWOOD CITY

Fair Oaks Adult Activities Center* 2600 Middlefield Rd. 650-780-7525

Redwood City Veterans Memorial Senior Center

1455 Madison Ave. 650-780-7259

SAN BRUNO

San Bruno Senior Center* 1555 Crystal Springs Rd. 650-616-7150

SAN CARLOS

San Carlos Adult Community Center 601 Chestnut St. 650-802-4384

SAN MATEO

City of San Mateo Senior Center 2645 Alameda de las Pulgas 650-522-7490

City of San Mateo

Martin Luther King Center* 725 Monte Diablo 650-522-7490

Self Help for the Elderly*

50 East 5th Ave. 650-342-0822

SOUTH SAN FRANCISCO

Magnolia Senior Center 601 Grand Ave. 650-829-3820

conservators/trustee

San Mateo County Public Guardian/ Conservatorship Program

smchealth.org/services-aging-and-adult 800-675-8437 225 37th Ave. San Mateo, CA 94403

Planning Index cont’d

consumer advocacy services

Better Business Bureau of San Mateo County goldengate.bbb.org 866-411-2221

Born to Age Peninsula borntoage.com 650-504-8549 annamarie@borntoage.com

California Department of Consumer Affairs dca.ca.gov 800-952-5210

San Mateo County Consumer & Family Affairs Smchealth.org/contact/officeconsumer-and-family-affairs 800-388-5189

counseling services

Caminar for Mental Health Support services for individuals with mental health disorders caminar.org 650-372-4080

Christian Counseling Centers San Mateo christiancounselingcenters.org 650-570-7273

Family Caregiver Alliance caregiver.org 800-445-8106

HICAP Self-help for the elderly hicap.org 800-434-0222 driving courses & concerns AAA Mwg.aaa.com 650-216-3100 510 Veterans Blvd. Redwood City, CA 94063

AARP Smart Driver Course/ AARP Driver Safey aarp.org/auto/driver-safety 888-687-2277

Beyond Driving with Dignity Matt Gurwell 216-904-8841

education

San Mateo Adult Education sanmateoadulted.org 650-558-2100 789 E Poplar Ave. San Mateo, CA 94401

Continuing Community Education communityed.smccd.edu 650-574-6149 1700 W. Hillsdale Blvd. Bldg. 1 Room 207 San Mateo, CA 94402

AARP Classes learn.aarp.org

Project Read Literacy Program (Redwood City Library) projectreadredwoodcity.org 1044 Middlefield Rd. Redwood City, CA 94063

Bay Area Caregiver Resource Center caregiver.org 800-445-8106 info@caregiver.org

emergency preparedness

American Red Cross San Mateo Area Redcross.org 650-259-1750 1710 Trousdale Dr. Burlingame, CA 94010

San Mateo County Regional Operations Center publicworks.smcgov.org 650-363-4000 501 Winslow St. Redwood City, CA 94063

estate & financial planning services (See attorneys for estate planning attorneys)

Edward Jones

Sven Geffken

Financial Advisor edwardjones.com/us-en/financialadvisor/sven-geffken 650-355-1365

1005 Terra Nova Blvd., Ste. 2a Pacifica, CA 94044

Hecker Fiduciary

Iris Hecker iris@heckerfiduciary.com 650-361-9703 heckerfiduciary.com

Lassahn Fiduciary Tirzah Lassahn 650-578-9030 2075 Pioneer Ct. San Mateo, CA 94403

Pettinelli Financial Partners Jonathan Nicolas Pettinellifp.com 650-595-4600

555 Veterans Blvd., Ste. 100 Redwood City, CA 94063

Fall Prevention

Bay Grab Bar

Will install grab bars to prevent falls at home Bill: 707-509-8222

HomeExcept

App-based emergency alert system great for those prone to falling homeexcept.com Annamarie: 650-504-8549

Philips Lifeline San Mateo County philips.lifeline.com

The famous life-alert system that notifies authorities in case of a fall or other emergency Annamarie: 650-504-8549

Born to Age PeninsulA

Planning Index cont’d

Food Pantry

Food Distribution Center San Mateo County 650-685-5880

No. Peninsula Food Pantry fooddc.org 650-994-5150 31 Bepler St. Daly City, CA 94014

Samaritan House of San Mateo County samaritanhousesanmateo.org 650-347-3648 4031 Pacific Blvd. San Mateo, CA 94403

Second Harvest Food Bank of Silicon Valley shfb.org 650-610-0800 1051 Bing St. San Carlos, CA 94070

Home Energy Assistance

Peninsula Clean Energy Save big on energy costs! peninsulacleanenergy.com 866-966-0110 info@peninsulacleanengergy.com

Home Improvement/ Repair

Rebuilding Together Peninsula rebuildingtogetherpeninsula.org 650-366-6597

841 Kaynyne St. Redwood City, CA 94063

Department of Housing 650-802-5050

Home Rehabilitation Loan Program

Daly City: 650-991-8068 Redwood City: 650-780-7229 So. San Francisco: 650-829-6620

Home Sharing

HIP Housing hiphousing.org 650-348-6660 800 S Claremont St., #210 San Mateo, CA 94402

WellNest

For information on building accessory dwelling units or finding one for rent wearewellnest.com

Home Counseling

Housing Leadership Council

San Mateo County hlsmc.org 650-242-1764 2905 S El Camino Real San Mateo, CA 94403

Independent Living Brookdale Redwood City brookdale.com 650-366-3900 485 Woodside Rd. Redwood City, CA 94061

Peninsula Del Rey (See listing under Affordable Housing Resources) 650-741-1537

The Villa at San Mateo thevillaatsanmateo.com 650-212-4400 4000 S El Camino Real San Mateo, CA 94403

Information & Assistance

Aging & Independence Services cidsanmateo.org 650-645-1780

2001 Winward Way, Ste. 103 San Mateo, CA 94404

SMC Connected Care smchealth.org/connectedcare 650-573-2601 hieoptions@smcgov.org

Insurance Counseling

San Mateo County HICAP Office Cahealthadvocates.org 650-627-9350

1710 S. Amphlett Blvd., Ste. 100 San Mateo, CA 94402

Legal Services

Aging & Adult Protective Services 800-675-8437

Bay Area Legal Aid baylegal.org 888-382-3406

1735 Telegraph Ave. Oakland, CA 94612

California Advocates for Nursing Home Reform (CAHNR) 800-474-1116

650 Harrison St. San Francisco, CA 94107

Legal Aid Society of San Mateo County legalaidsmc.org 650-558-0915

330 Twin Dolphin Dr., Ste. 123 Redwood City, CA 94065

Long-term Care Insurance Counseling

San Mateo County HICAP Office Cahealthadvocates.org 650-627-9350

1710 S. Amphlett Blvd., Ste. 100 San Mateo, CA 94402

Long-term Care/ Medical Planning

Law Office of Sally Bergman 650-242-9800

1900 S Norfolk St. San Mateo, CA 94403

Love at Home Senior Care

Malia Vea Home Care Director/CEO loveathomeseniorcare.com 888-842-2923

3723 Haven Ave., Ste. 122 Menlo Park, CA 94025

Planning Index cont’d

Sensible Senior Planning

Tzivya Green sensibleseniorplanning.com 855-975-2664

Market Days

(Coming in Spring)

Downtown Palo Alto Farmers’ Market Saturdays 8 a.m. to 12 p.m. 601-699 Gilman St. Palo Alto, CA 94301

San Carlos Farmers’ Market Sundays 9 a.m. to 1 p.m. 1001 Varian St. San Carlos, CA 94070

San Mateo Farmers’ Market

Saturday 9 a.m. to 1 p.m. College of San Mateo 1700 W Hillsdale Blvd. San Mateo, CA 94402

25th Ave. Farmers’ Market Tuesday afternoons 194 W 25th Ave. San Mateo, CA 94403

Real Estate

Ester N. Kozaczuk

Luxury Real Estate Specialist esterkozaczuk.com 650-302-5594 BRE #01922520

Four Bridges Real Estate Group at Compass John Esplana fourbridgesre.com 650-315-5968

Keller-Williams Silicon Valley Dmitriy Kruglyak 650-329-0397

Mike Roza Compass Realtors mikeroza.com 650-888-1778 mike@mikeroza.com

Reverse Mortgage

Laura Biche Retirement Mortgages laura@biche.com 650-922-0824

Fare Reverse

Richard Wood richard.wood@FAReverse.com 650-750-5032

RFS Lends Kathy Affeltranger kaffeltranger@rfslends.com 650-299-9477

Senior Centers Avenidas 650-289-5400 450 Bryant St. Palo Alto, CA 94303

Doelger Senior Center 650-991-8012 101 Lake Merced Blvd. Daly City, 94015

Love at Home Senior Care Malia Vea Home Care Director/CEO loveathomeseniorcare.com 888-842-2923 3723 Haven Ave., Ste. 122 Menlo Park, CA 94025

Redwood City Senior Center 650-780-7270 1455 Madison Ave. Redwood City, CA 94061

San Carlos Adult Community Center 650-802-4384 601 Chestnut St. San Carlos, CA 94070

San Mateo Senior Center 650-522-7490

2645 Alameda de las Pulgas San Mateo, CA 94403

Senior Government

San Mateo County Commission on Aging Anna Sawamura 650-713-8610

Senior Citizens Commission City of San Mateo Call Parks & Rec: 650-522-7400

Utility & Weatherization Assistance (See listing under Home Energy Assistance) Wellness/Spas

Skin Body Zen skinbodyzen.com info@skinbodyzen.com 415-769-4184 277 San Francisco Ave., #A Brisbane, CA 94005

Bridging The Gap: How Older & Younger Generations Can Connect

By Angelique MacArthur

It’s no secret that each generation has preconceived notions about other generations. Comparisons and generalizations abound when it comes to determining the characteristics that define those born during a certain time period. And in recent years, the stand out generations being spoken about are Millennials and Baby Boomers.

According to thecollege investor.com, several places including the Census Bureau and Pew Research, classify Millennials as being born between 1981 and 1996. Many view

Millennials as entitled, lazy, behind the 8 ball financially speaking and the ones who popularized the widespread use of technology and side hustles.

Baby Boomers, on the other hand, are considered the complete antithesis of Millennials.

Elearningindustry.com highlights that this 1946 to 1964 cohort is filled with hard workers that are self assured, disciplined and mentally focused.

Although these generations seem to have nothing in common, there is certainly more beneath the surface they can connect on. And it

isn’t just Millennials and Baby Boomers who can benefit from learning more about one another, it’s all generations.

But how can people of different generations begin to bridge this divide? Here are a few ways to get the communication ball rolling.

3 Great Ways To Bridge The Intergenerational Connection Gap

There are many great benefits to different generations getting to know one another on a deeper level. The wisdom of each generation means they have a lot

they can learn from one another. In addition, this offers a new type of social interaction, which expands to new community connections, promotes health, reduces stigmas and ageism. Discover more of the incredible benefits here:

Benefits of Intergenerational Connections

Benefits-Generations Working Together

To help you reap the benefits of intergenerational connection, try the suggestions below to begin bridging the gap

Credit: Andrea Piacquadio

with those of other generations around you.

Share Experiences and Concerns

There are common life events and passages that we all go through, and they naturally act as a connector when shared. A few are:

• Education & Learning

• Family & Friends

• Career

• Social & Fun Hobbies

• Health & Wellness

• Leaving Home

• Relationships

• Economics & Finance

• Politics

• Religion & Spirituality

• Changes in Technology

On the flip side, these are also areas you can share your current concerns about and compare how it is now to how it was during a previous time. A lot of wisdom from both generations can surface while discussing these topics, allowing more understanding to take place.

If you are ever stumped on questions to ask, here are some great questions to connect with people on a deeper level.

Engage In A Shared Hobby

Enjoy travel?

Playing board games? Exercising? With all of the options for hobbies there are bound to be ones you can find to enjoy together. Bond over a mutual hobby or find a new hobby to try, for example:

• Intergenerational experiences and initiatives in your community

• Day trips to a favorite or new spot for exploration & discovery

• Play board games or a fun question & answer game

• Festivals

• Arts & crafts

• Gardening

• Dancing

• Karaoke

• Exercise class or try Wii Sports

• Spa or self care day

• Volunteer

• Join a club

As you get to know one another, you’ll learn more about things you enjoy doing together and increase your connection further!

Support One Another

Taking note of the important things in each other’s lives will offer a great opportunity to show the other person they matter to you. From special events to holidays, there are ample points to continue to bridge the gap.

Sending cards, small gifts or even showing up to cheer them on or lend support at special moments in their life will foster a new level of intergenerational connection.

Make This A Practice

We all lead busy lives and things can get in the way, but when intergenerational connection happens, it provides deeper benefits for the individuals and

their generations. Agree on a regular schedule to connect, put it in your calendar and make it a priority.

At the end of the day, each person (and generation as a whole) wants to know they are respected, wanted and valued. And while it can seem difficult or scary to reach out for that connection, it can be well worth it. Take the time to learn more about those from a different generation than yours and reap those unique benefits in your life today.

Who can you connect with in your life that is from a different generation than yours? How will you reach out to them?

Credit: Edward Eyer

Quality Of Life Index

Adult Day Health Care

Coastside Adult Day Health Center coastsideadultdayhealth.org 650-726-5067 925 Main St. Half Moon Bay, CA 94019 cadhc@coastside.net

Mills Peninsula Senior Focus sutterhealth.org/mills/services/senior-geriatric 650-696-3660 1501 Trousdale Dr. Burlingame, CA 94010

Rosener House Adult Day Care Penvol.org 650-322-0126

500 Arbor Rd. Menlo Park, CA 94025

Adult Protective Services

Aging & Adult Services Call 800-675-8437 to speak to a trained staff member

San Mateo County District Attorney’s Office 650-363-4000

Alzheimer’s Information Referral & Education

Alzheimer’s Association alz.org/norcal 408-372-9900

2990 N 1st St., #101 San Jose, CA 95131

Alzheimer’s Foundation Hotline 866-232-8484

Assisted Living Board & Care

East West Board & Care 650-438-5584

1749 Maryland St. Redwood City, CA 94061

Encina Care Home 650-364-1657

354 Encina Ave. Redwood City, CA 94061

Heritage House 650-520-9475

843 Jefferson Ct. San Mateo, CA 94401

Flying Cloud Care Home 650-349-2943 197 Flying Cloud Isle Foster City, CA 94404

The Ark 408-807-1277 1320 Valota Rd. Redwood City, CA 94061

Assisted Living Communities

Atria Daly City 650-878-5111 501 King Dr. Daly City, CA 94015

Atria San Mateo 650-378-3000 2883 S Norfolk St. San Mateo, CA 94403

Brookdale Redwood City 650-366-3900 485 Woodside Rd. Redwood City, CA 94061

Sunrise Palo Alto 650-326-1108

2701 El Camino Real Palo Alto, CA 94306

Assisted Living Complaints

Ombudsman Services of San Mateo County, Inc. 650-780-5707 711 Nevada St. Redwood City, CA 94061

San Mateo County Human Services 650-599-3811 2500 Middlefield Rd. Redwood City, CA 94063

Assisted Living

Alzheimer’s/Dementia/ Memory Care

Kensington Place 650-363-9200

2800 El Camino Real Redwood City, CA 94061

Love at Home Senior Care Malia Vea

Home Care Director/CEO loveathomeseniorcare.com 888-842-2923 3723 Haven Ave., Ste. 122 Menlo Park, CA 94025

Meadow Gardens 650-322-4100 800 Roble Ave. Menlo Park, CA 94025

Quality Of Life Index cont’d

Palm Villas

650-369-3197 1931 Woodside Rd. Redwood City, CA 94061

Silver Oaks Memory Care 650-322-2022 16 Colman Pl. Menlo Park, CA 94025

Caregiver Resources & Support

Area Agency on Aging 650-713-8610

Caregiver For Hire Care Indeed careindeed.com 650-627-7901 102 S El Camino Real San Mateo, CA 94401

Home Helpers homehelpershomecare.com 650-532-3122

Home Instead homeinstead.com 650-314-9660

Live Well at Home Livewellathome.com 650-291-0009 1875 Trousdale Dr. Burlingame, CA 94010

Love at Home Senior Care Malia Vea Home Care Director/CEO loveathomeseniorcare.com 888-842-2923 3723 Haven Ave., Ste. 122 Menlo Park, CA 94025

Synergy Home Care Synergyhomecare.com 650-703-6087 1710 S Amphlett Blvd., #128 San Mateo, CA 94402

Caregiver Training Services

Center for Caregiver Training Caregiving101.org 415-563-9286 1320 Divisadero St. San Francisco, CA 94115

Chiropractic Care

Dr. Michael Luu

Infinity Spine Center goinfinityspine.com 415-758-2970 950 Ralston Ave. Belmont, CA 94002

Dr. Scott Nissenbaum drniss.com 650-226-8348 office@drniss.com 1100 Laurel St., Ste. D San Carlos, CA 94070

Dr. Meg Spicer 650-315-0998

Chore Services

Seniors at Home San Mateo Seniorsathome.org 650-931-1860

2001 Winward Way San Mateo, CA 94404

Dentures & Dental Care Assistance

Smile Dental Specialists smiledentalspecialists.com 650-377-0159

216 De Anza Blvd. San Mateo, CA 94402

NewEnamel

Keith Harband, Founder & President Keith@NewEnamel.com c: 925.286.6465 NewEnamel.com 1025 Alameda De Las Pulgas, Ste. #232 Belmont, CA 94002

Dinner Delivery Program

Free meal delivery for seniors at risk 800-675-8437

Disaster Assistance

American Red Cross 650-259-1750

1710 Trousdale Dr. Burlingame, CA 94010

Elder Abuse Advocacy

Ombudsman Services of San Mateo County, Inc. 650-780-5707

711 Nevada St. Redwood City, CA 94061

San Mateo County Human Services 650-599-3811 2500 Middlefield Rd. Redwood City, CA 94063

Elder Advocacy

Ombudsman Services of San Mateo County, Inc. 650-780-5707

711 Nevada St. Redwood City, CA 94061

Family Caregiver Support Services

Area Agency on Aging 650-713-8610

Friendly Visitors

Visiting Angels visitingangels.com 650-344-2178 1126 Broadway, #7 Burlingame, CA 04010

Guide Dogs/ Service animals

Service Dog Tutor servicedogtutor.com 650-593-9622 servicedogtutor@gmail.com

Health & Medical Supplies

Bay City Medical Supplies baycitymedicalsupplies.com 650-347-6606

1465-A Chapin Ave. Burlingame, CA 94010

Born to Age PeninsulA

Quality Of Life Index cont’d

Bay City

Medical Supplies baycitymedicalsupplies.com 650-367-6900 1040 Brewster Ave. Redwood City, CA 94062

Bowman Medical Supply bowman-medical-supply-business.site 650-654-5525

285 Old County Rd., #4 San Carlos, CA 94070

Health By Heidi agoodvitamin.com 650-572-7100 1212 W Hillsdale Blvd., #G San Mateo, CA 94403

Hearing Aid Collectors (used)

California Hearing Center calhearing.com 650-342-9449 88 N San Mateo Dr. San Mateo, CA 94401

Eartone Hearing Aid Center eartonehearingaids.com 650-627-6114

2907 S El Camino Real San Mateo, CA 94403

Miracle-Ear Hearing Aid Center Miracle-ear.com 650-999-8974 1230 El Camino Real, Ste. A San Bruno, CA 94066

Home Health Care Services

Companion Care Services companioncareservices.net 650-993-2345

1455 El Camino Real Belmont, CA 94002

FirstLight Home Care of the Peninsula

Jim Carteris, Owner/GM firstlighthomecare.com 650-486-1310

124 El Camino Real San Carlos, CA 94070

Health Professionals, Inc. healthproinc.net 650-997-3200 7216 Mission St. Daly City, CA 94014

Love at Home Senior Care Malia Vea Home Care Director/CEO loveathomeseniorcare.com 888-842-2923

3723 Haven Ave., Ste. 122 Menlo Park, CA 94025

Home-delivered/ Congregate Meal Locations

(See Congregate Meals under Planning Index)

In-home Supportive Services

San Mateo County In-Home Supportive Services (IHSS) 800-675-8437

Medical Equipment (See Health & Medical Supplies)

Sutter Safe at Home (Personal alert systems and hospital beds)

Mills-Peninsula Medical Center 650-696-4823, Option 2

Quality Of Life Index cont’d

Medical Transportation

Assisted Medical Transportation 650-350-1037 17 Vista Ave. San Mateo, CA 94403

Serra Medical Transportation, Inc. Serramedicaltransportation.com 650-340-9999

1299 Old Bayshore Hwy. Burlingame, CA 94010

Membership Services

Foster City Village fostercityvillage.clubexpress.com 650-378-8541

1000 E. Hillsdale Blvd. Foster City, CA 94404

Mental Health

Caminar for Mental Health caminar.org 650-372-4080

2600 S El Camino Real, Ste. 200 San Mateo, CA 94403

Nursing Home Compaints/Litigation

(See Assisted Living Complaints) Nursing Homes

Brookside Skilled Nursing brooksidenursing.com 650-349-2161

2620 Flores St. San Mateo, CA 94403

Carlmont Gardens Skilled Nursing carlmontgardens.com 650-591-9601

2140 Carlmont Dr. Belmont, CA 94002

Devonshire Oaks Nursing Center devonshireoaksnc.com 650-366-9503

3636 Jefferson Ave. Redwood City, CA 94062

Palliative Care

Mission Hospice & Home Care missionhospice.org 650-554-1000

66 Bovet Rd., Ste. 100 San Mateo, CA 94402

Sutter Care at Home San Mateo Hospice sutterhealth.org 650-685-2830

1700 S Amphlett Blvd., #110 San Mateo, CA 94402

Vitas Healthcare vitas.com 650-350-1835 3190 Clearview Way, #100 San Mateo, CA 94402

Pharmacies

Ted’s Village Pharmacy stores.healthmart.com 650-349-1373 29 W 25th Ave. San Mateo, CA 94403

Physical Therapists

Rehab Go Rehabgotherapies.com San Mateo County Lori Yu 650-224-6886

Synergy Home Care Synergyhomecare.com 650-703-6087

1710 S Amphlett Blvd., #128 San Mateo, CA 94402

Placement Services

Dmitri’s Placement Services tndplacements.com 415-816-5183

Recycled Health & Medical Supplies

ReCARES homecares.org 63 Dorland St. San Francisco, CA 94110

Respite Care (See Assisted Living - Communities)

Love at Home Senior Care Malia Vea Home Care Director/CEO loveathomeseniorcare.com 888-842-2923 3723 Haven Ave., Ste. 122 Menlo Park, CA 94025

Shopping/ Errand Services

My House Cleaning & Errand Services 650-918-0354 24 E 25th Ave., #2 San Mateo, CA 94401

Support Groups

For Alzheimer’s support groups, visit alz.org

For cancer support groups, visit cancer.org or call 650-508-8186

Quality Of Life Index cont’d

Women’s Caregiver Support Group

San Mateo, CA 94403 650-445-0748

For other support groups, visit sutterhealth.org/services/healtheducation/support-groups

Telephone Reassurance

Eskaton Telephone Reassurance Program eskaton.org/post/telephone-reassurance 866-375-2866

Transportation & Escort Services

Absolute Senior Solutions abseniorsolutions.com 408-610-9997

4125 Blackford Ave., Ste. 140 San Mateo, CA 95117

Get Around San Mateo 2645 Alameda de las Pulgas San Mateo, CA 94403

Get Up & Go Senior Transportation 650-378-2750

800 Foster City Blvd. Foster City, CA 94404

Veterans Services

San Mateo County Veterans Services Offices has.smcgov.org 650-802-6598

Veterans Advocate Transitional Magazine Dave Schiavone 914-479-8999

Visually Impaired Services

Vista Center for the Blind & Visually Impaired vistacenter.org 650-858-0202

2500 El Camino Real, Ste. 100 Palo Alto, CA 94306

Wheelchair Transportation

(See Medical Transportation)

Wound Care

SMC – Advanced Wound Care Center

650-991-6780

1500 Southgate Ave., #115 Daly City, CA 94015

Stanford Advanced Wound Care Center 650-721-8800

450 Broadway Redwood City, CA 94063

The ART of Caretaking is taking care of Yourself 1st

By Denise Rae DeGregoire

Note to SELF: Take care of you first!

My name is Denise. I am a photographer, storyteller, private chef, and much of the time, family caregiver, too! I make it my business to tend to my needs first— being my own voice and advocating with vigor for that which I believe. My goal is to care not only for myself; but, as a direct result of my own self-care, I am able to help others who may find themselves in need of some assistance along the way or for those who may require me to merely mind my business and, “stay in my own lane.” What goes around, comes around, right? Maybe not all the time, but the odds are in my favor that if I am good to myself, I am good to those around me.

Self-care Is The Most Selfless Thing I Can Do!

I believe, in one way or another, we are all connected. I make it a habit of trying to take keep a watchful eye on myself as often as possible, be positive, and in turn, believe I am taking care of those around me, even when they don’t know it or did not ask for my assistance. A ripple effect of good ifyou-will… Or, at least I try as often as I can. I am human, and with that, I am not perfect.

As I previously mentioned, “taking care of myself is the most selfless thing I can do!!” Hands down. I know this is often hard to do, but

I believe in my heartof-hearts this statement to be true. Or at least I think it is. Maybe. Or not. I don’t really know for sure…

What I do know from my own personal experiences over these past years, as

otherwise unable to put on their mask before securing you own, they inturn may not necessarily be able to help you when you begin to run low on oxygen and find yourself in need of assistance. However, if you place your own oxygen mask on first, you are more likely to be able help others in assisting them to secure their oxygen masks.

A Win-Win.

impatient with ourselves and those close to us. Being kind goes a long way when others, family, or professionals, are here to help you. And, words like, “Please and thank you” are valuable tools for anyone, in any situation. “I’m sorry” is a great phrase too when we fall short of being patient and get a little cranky.

well as, watching other is that if I take care of myself first, I am better prepared to take care of those people and the places around me. Like the instructions that flight attendants give on an aircraft prior to takeoff, “If the oxygenated airbags drop,” we are told to, “put our own masks on first before helping others to secure their oxygen masks!”

If you help a child, a senior, or another person

In September, I found myself in a position of requiring a great deal of assistance after my full hip replacement surgery. I tried to help my family of caretakers by being the best patient I could be, to communicate my needs in a clear way, and to be patient as they were now pulling double-duty and picking up the slack where I was unable. This is sometimes difficult, especially with family, as we get tired and

After my surgery I tried to help myself when ever I could without becoming a burden and knew that sometimes trying to do too much without assistance could possibly make my caretakers jobs more difficult because of my own stubbornness of wanting to do it myself when I wasn’t ready. I tried to avoid any unforeseen accidents by being as patient as I could to allow them, my helpers, to assist me without the added stress of my trying to always “do it myself” and possibly harming ME in the process. This holds true for all of us caregivers who have a difficult time asking for assistance. Asking for and allowing others to help is self-care, too.

Another way I took care of myself prior to surgery was to be as prepared as I could thus increasing my odds for an easier and successful recovery. This meant eating well, exercising my body, calming my mind, and

drinking lots of water— dehydration is harmful and hampers your ability to heal. So does stress!

As a chef, and lover of delicious foods, I prepared many dishes in advance to put in the freezer for easy meal options. This helped take some of the burden off the plates of my family around me and allowed myself some control of the foods I was eating. Although, it is nice to have others cook for you and share their favorite recipes, too.

Food, Music, Spirit & Good Company Heals The Body & Soul.

FUN CULINARY

FACT: Air Fryers are awesome. I was gifted one for Christmas last year and I love it. This mini counter-top appliance is one of my favorite kitchen tools—an Air Fryer; go figure! This from a food and appliance snob. My Air Fryer has made preparing quick and healthy meals a snap! It is a fabulous tool that I would highly recommend purchasing or grabbing the one you already have and put it to good use. If your Air Fryer is still in a box in your garage, unpack it as they are fun to use and make cooking healthy meals a snap.

I used to teach a cooking class called, “My Personal Chef, ME!” and found using these personal/ private chef techniques made life much easier as I was able to eat good foods I made in advance. Cleaning out the refrigerator and freezer a

couple times a week and preparing multiple dishes not only helps to stretcha-buck, but it also gives you lots of healthy and comforting food options to choose with less waste.

Here are a couple of my favorite staple recipes that I like to have on hand for quick and easy ways to fill your body with tasty foods that feed your soul…

I like to keep a batch of GREEN WATER on hand for a quick blast of raw vegetables and nutrients my body needs. Blending a big batch in advance should yield about three days of a powerful raw green water drink. My general practitioner continues to tell me to, “Eat my vegetables first!”

This GREEN WATER helps me do just that. I eat/drink my raw veggies first thing in the morning and try to enjoy a glass before each meal.

GREEN WATER, one serving:

Simply blend a handful of spinach, kale, romaine lettuce, a small cucumber and zucchini, along with a sprig of parsley, and a cup or so of water. After initially blending the vegetables, add a quarter of a small avocado and blend once more to a smooth consistency. The avocado will give your GREEN WATER a velvety texture while adding good fats and protein to your vegetable drink. If you want to sweeten it up a bit add a quarter of a pear or another

fruit of your choosing to the mix. I like to make multiple servings at once and transfer the GREEN WATER to small glass jars for easy access to this healthy drinkable snack.

Another thing I like to do in the kitchen is to make vegetable and bone broths. During the week I gather vegetable scraps—onions, greens, garlic, celery, carrots, any anything else that would make a healthy vegetable-based stock. Don’t throw away those garlic and onion skins either, simmer them in a pot of water instead. Once or twice week I roast off a whole chicken or bone-in chicken parts in my Air Fryer and roll my vegetable scrap broth with the roasted bone carcass to make a rich bone broth to be used in many dishes and soups. I also keep a bit of the chicken fat reserve to be used in place of traditional oils to give a hearty boost to any meal. If you make a large enough batch, you can freeze some of the broth to be used later. A great bone broth takes time. Freezing some gives you immediate access to this sensational homemade broth and makes a wonderful base for Matzo-Ball Soup!

Chicken Soup for the Soul…

Preparing healthy foods in advance assists in keeping our bodies strong and provides us with “home-cooked” meals when we do not have the time or energy to cook a meal at home.

Preparing bigger batches of my favorite recipes like meatloaf, pastas, casseroles, hearty soups and stews, my YiaYia’s (Greek for Grandmother) Candied Yams, and many other refrigerated “left-overs” and freezable meals have made my life easier as I prepare healthy meals in advance and load up our refrigerator and freezer with home-made options at-the-ready. I became my own personal chef after my son was born, and as a new mom I found that I didn’t have time to cook healthy meals every day. Preparing meal options and starters in advance helped remedy this situation.

I look forward to sharing more self-care tips, adventures, and recipes along the way. We are Born to Age stronger…

Cheers to good health and taking care of SELF!

Final Wishes Index

Body & Organ Donation

Brain Support Network, Inc. 650-814-0848 P.O. Box 7264 Menlo Park, CA 94026

California Transplant Donor Network 1611 Telegraph Ave., Ste. 600 Oakland, CA

UC San Francisco Willed Body Program San Francisco, CA

burial, Cremation & Funeral Services

Crippen & Flynn Woodside Chapel crippenandflynnchapels.com Belmont: 650-595-4103 Redwood City: 650-369-4103

Greek Orthodox Memorial Park (for Eastern Orthodox Christian faith only) greekorthodoxmp@aol.com 650-755-6939

1148 El Camino Real Colma, CA 94014

Greenlawn Memorial Park Non-sectarian/serving all faiths greenlawnmp@aol.com 650-755-7622

1100 El Camino Real Colma, CA 94014

Neptune Society of Northern California neptune-society.com 650-592-9880

1645 El Camino Real Belmont, CA 94002

Skylawn Memorial Park skylawnmemorialpark.com 650-227-3142 Hwy. 92 at CA-35 San Mateo, CA 94402

Sneider & Sullivan & O’Connell’s Funeral Home & Cremation Service ssofunerals.com 650-343-1804

977 S El Camino Real San Mateo, CA 94402

Grief Support Groups (Check with any local hospice agency below) Visit sutterhealth.org

Kara Grief kara-grief.org 650-321-5272

457 Kingsley Ave. Palo Alto, CA 94301

Hospice

Mission Hospice & Home Care missionhospice.org 650-554-1000

66 Bovet Rd., Ste. 100 San Mateo, CA 94402

Sutter Care at Home San Mateo Hospice sutterhealth.org 650-685-2830

1700 S Amphlett Blvd., #110 San Mateo, CA 94402

Vitas Healthcare vitas.com 650-350-1835

3190 Clearview Way, #100 San Mateo, CA 94402

Palliative Care (See Hospice above) trust/Probate Administration (See Attorneys in the Planning Index)

Don’t Forget to “Keep Moving”

By Sally Gersbach

You’ve probably invested in your financial future but don’t forget to invest in yourself. Being inactive at any age can be detrimental to your overall well-being. Keeping active can help you stay physically and mentally healthy. So the best investment in yourself is to “keep moving.”

There’s strong evidence that people who are active have a lower risk of certain diseases and remain mentally alert longer than those who are sedentary. A couple of reasons support this theory; Any form of exercise increases blood circulation, and because the exertion makes you breath deeper, your blood oxygen level also increases.

If you haven’t been active, your first step would be to ask your physician’s advice and approval before beginning any exercise regimen.

Depending upon your physical health, there may be some activities you should avoid. Start slowly and gradually build up your activity level. Trying too hard to work above your level of comfort can do more harm than good.

As we age, we naturally lose muscle mass and flexibility, which can be exacerbated by even a short period of inactivity. Just work back slowly to regain as much strength as possible. Don’t feel frustrated; just feel proud of yourself for what you can do.

The current generation has become very active, and even our seniors are taking up some form of exercise. Thoughts of any physical activity probably make you think of treadmills and stationary bikes, but equipment is not always necessary. Physical activity includes anything from walking

and gardening to a recreational sport, such as golf.

Even senior medical policies are beginning to offer free gym memberships to their members, such as SilverSneakers, Silver and Fit, and Renew Active. Check with your insurance to find which program is offered. Some offer online classes to take anytime. When you sign up, you’re given a membership number to present to your local gym. Remember: It’s FREE! Though gyms have some pretty daunting equipment, they also offer a variety of classes of all levels of difficulty. Some aerobic-type classes are low-intensity and designed for the “older generation.”

Also, consider trying Yoga for its breathing and stretching benefits. If you’re new to this

discipline, begin with a “Restorative” class.

Joining a class not only helps you physically but mentally, as well, because you’ll be exercising and interacting with other people your age. Being with others, even once a week, can boost your morale and ward off depression.

As well as regular physical activity, try to reduce the amount of time you spend sitting down during the day. For example, instead of watching TV or reading all afternoon, take a walk. What you do will depend on your own circumstances, but it’s a good idea to do activities you enjoy. Research shows it’s never too late to adopt and reap the health benefits from a more active lifestyle.

Sally, a “senior,” takes weekly ballet and yoga classes.

Truths and Myths behind a Reverse Mortgage

By Laura Biché

A reverse mortgage offers seniors tangible benefits that are not myths. First, this wellstructured loan relieves them of worry over keeping up mortgage payments on a reduced income. Second, it may give them the option to increase their cash flow and decide how they want or need to use those extra funds.

Certain requirements must be met, however, to qualify for a reverse mortgage:

• Homeowners must be at least 55 years old

• Property must be owner occupied

• Owners continue to pay property taxes, homeowners insurance, and other monthly obligations

• The home must be maintained in reasonable condition

Dispelling The Myths The Bank Can Take Away My Home

Because a monthly payment is not required, a reverse mortgage remains in effect as long as the borrower abides by the requirements of the loan.

The Home Must Be Debt Free

One of the most important features

of a reverse mortgage is that it pays off any prior existing mortgage. In other words, it replaces any traditional mortgage on the property.

What If I Owe More Than

My House Is Worth?

As a homeowning and borrower, you never owe more than the value of the property, even if the loan balance is larger than the value. If the selling price of the property doesn’t cover the full sale value of the property, neither borrower nor the estate is liable for the remainder of the loan.