Good Times Senior Project 2016

A MAGAZINE FOR PEOPLE OF A CERTAIN AGE

­­­S E N I O R PROJECT

Snore Thing

Getting from wheezy breathing to easy breathing

Netflix Bonding How movies bridge the generations

DON’T CALL ME

GRANDPA! + 2016 Resource Guide

Why it’s okay to be a senior dad in the 21st century

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­­­S E N I O R PROJECT STAFF PUBLISHER Jeanne Howard EDITOR Steve Palopoli MANAGING EDITOR Maria Grusauskas CONTRIBUTORS Anne-Marie Harrison Brad Kava June Smith Richard Stockton PROOFREADER Josie Cowden ART DIRECTOR Tabi Zarrinnaal DESIGNERS DiAnna VanEycke Rosie Eckerman

s t n e t n Co

WEBMASTER Lily Stoicheff

ADVERTISING DIRECTOR Debra Whizin

PATERNITY TEST 6

True confessions from first-time fatherhood at 60.

ACCOUNT EXECUTIVES John Bland Lisa Buckley Nadine Kelley Sue Lamothe Ilana Rauch Packer

SNORE WAR 10

ACCOUNTING Katherine Adams

How a Netflix account deepened the bond between a father and son.

CIRCULATION MANAGER Mick Freeman OFFICE MANAGER Lindsay Keebler CEO Dan Pulcrano VICE PRESIDENT Lee May

PHOTOGRAPHER Keana Parker

How one man overcame the snoring that almost ruined him.

SCREEN SHARE 12

SAIL AWAY 16 A healthy take on the modern vacation: Zumba cruise!

RESOURCE DIRECTORY 20 Local services for seniors.

SOCIAL NETWORK 34 A Good Times publication.

Dive into Santa Cruz’s meetup groups.

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eelings, nothing more than feelings. Trying to forget my … oh, hi! Didn’t see you there.

I was just thinking about how personal some of the stories get in this issue. In general, we write a lot in Senior Project about what kinds of social trends people of a certain age are facing or creating, and try to offer an alternative take on what we all can be doing with our so-called retirement years. But this time around, the stories have a lot more of an emotional, even confessional quality than I was expecting. There is some really moving insight into the project we all undertake when we start being known to the rest of the world as a “senior.” Can Oprah as guest editor of the next issue be far behind? Stay tuned!

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PHOTOS BY KEANA PARKER

Good Old Dad 6

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Confessions of a 60-year-old new father

BY BRAD KAVA

can’t believe it’s taken me 60 years to learn about WubbaNubs and Baby Einstein, the things that are my most valued possessions now.

WubbaNubs are pacifiers attached to a soft stuffed animal, an invention that every parent must wonder why they didn’t think of first, so that they could retire to the Bahamas and hire a nanny.

Baby Einstein is an educational video series for children that is not only educational for kids and not offensive to parents, it also attracts babies to the screen like zombies to breathing human flesh. And it doesn’t make you feel guilty for letting them watch or put their mouths on your computer screen. (Oh, did I say that out loud?)

These things have become indispensable to me, because at the age of 60—at the same time my friends are retiring and admiring their newborn grandchildren or great-grandchildren—I just had my first kid. A son named Parker. P-A-R-K-E-R. Yeah, a son, not a grandson.

That was one of the biggest fears people had for me when I told them that I was having a baby with the love of my life. “What are you going to say when people think you’re a grandfather, not a father? Aren’t you worried about that?”

“Well, not really, but now that you mention it …”

There were, however, much bigger fears to fry. Like why does every magazine and publication on Earth give you these horrendous statistics about the odds of older parents having defective children? Yeah, that was terrifying. And they all blame the father’s chromosomes, not the mother’s.

Mine are, like, 40 years too old, they all said. Not a day of eight-plus months went by without that terror flashing through my head, even when the unintentional selfies Parker took in the womb made him look OK—but with too much of my nose. When he was born, I counted fingers and toes enough times to show my own defective math gene. I was sure I was missing one.

But normal he is, if having a little screeching thing that looks like an alien

and has zero communication skills is normal.

Which brings up the next fear my friends voiced to this senior dad, that honestly never came to me on my own: “How are you going to have the energy to deal with a kid?”

If I’d known then that the Rolling Stones’ singer was going to be a new father at the age of 73, I would have just said: “Mick Jagger.”

Instead, I said: “I’ve bicycled 500 miles across the Midwest each of the last 19 summers. I’m not going to have trouble keeping up.”

But that was before I realized that having a kid means I’m not going to have a week to bicycle across the Midwest for about another 15 years. OK, that’s one on the negative side of the balance sheet, but less of a sacrifice than the me of a year ago would have guessed.

On the plus side of the sheet, you can insert every cliché you’ve ever heard or said about having a child or grandchild: Yes, it very quickly became the best thing I’ve ever done in my life.

Yes, I’ve posted a never-ending parade of unbearably cute pictures all over my Facebook, almost as many as my other hot category, memes of Donald Trump as Hitler.

Yes, he’s the cutest kid in the world.

Yes, he’s given my life new meaning.

Yes, I’ve changed a few diapers, but really I’m not that good at it.

So, I don’t think about my age that much. I’m of a generation that proudly says 60 is the new 30 or 16 or whatever it is, and you’re only as old as you feel. I imagine I feel the same way a 20-yearold would, but with a bit more patience and the wisdom to know that there is no bigger priority than my son.

Unlike a 20-year-old, though, I have this sense that I have to work harder to stay alive longer. I can’t take some of the chances I might have taken in my youth, like running toward an active shooting scene or shouting down fascists, but I still eat croissants. Sorry. I do feel that dark at the end of the tunnel, and want to be able to be there for him. It’s a worry.

Did I mention Mick Jagger is 73?

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And there’s the overwhelming positive side of the equation, which I don’t want to bore you with because if you’ve had a kid, you already know—something hormonal or spiritual or magical or delusional takes over and turns parents into nuts about their kids. I’ve seen it before. Now I am it.

I’ve learned two important things over the last six months that are contrary to what people told me. A conservative friend (yes, I have one) told me that having a baby would make me conservative. I’d probably vote for Trump, he claimed.

Hell, no. It’s done the opposite. I’m more liberal than ever, because I care even more about making the world better for future generations. Liberals were the ones who fought slavery, gave women the vote, passed equal rights amendments, want to control the mayhem of firearms everywhere, support environmental regulation, cleaned the air, cleaned the water, want to save National Parks.

The other important thing is my relationship with my partner (good atheist Lord, I hate that word) Jennifer’s children, who feared I would love my own baby more than them. I can say honestly that isn’t true. I love Parker, but no more than them. That’s something I wouldn’t have realized if I hadn’t seen it for myself, but I’m so glad it’s true. Not a day goes by that I don’t appreciate, love and am fascinated by them, just as much as by their little brother.

Will I miss traveling and living a life of lazy luxury? I don’t know yet, but I don’t think so. We’ll find ways to do what’s important.

I was never that obsessed with having a kid. For most of my life other things took precedence, like my career, travel, friends. Frankly, I didn’t think the world was in such great shape for bringing new generations into. The worst science fiction is becoming fact: the oceans are dying; the climate is deteriorating; we are poisoning ourselves with bad food; the economy doesn’t favor average people; rich people are making us all serfs.

But on meeting my Baby Mama (OK, that’s even worse) and having a truly compatible relationship, I thought it could be the right time and person with

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GRANDAD IS THE NEW DAD The author and his six-month-old son Parker.

whom to have a child. For about two years I considered it, but as I neared 60, I thought I was over it. Her kids were enough, and I’d have a good 10 years with them and then begin that spoiled retirement we all fantasize about, where I’d be like a kid myself, biking, traveling, doing what I want when I wanted.

And then one day at work I got the call from Jennifer, who said she had to tell me something later about her body, which sounded like she might have cancer. I was terrified, but she claimed it wasn’t something bad.

And thus began what Lou Reed once called the “greatest adventure,” guiding and helping and loving and looking endlessly at this new life form.

In some ways, he gives me great hope.

If we can communicate with these little beings, maybe we can one day do the same with life forms from other planets.

Parker is six months old now, and I still have no clue what he thinks about, wants, or understands. But some extra sense, the same thing that religious people must think reaches to them from God, connects him and me. I kind of know him, a bit.

I do worry about the age thing. I’ll be the oldest parent at his kindergarten, and at every class forever. But my friend

Chris Jackson, the radio DJ on KFOX, gave me some good advice from a book he’s writing about treating your kid like a rock star. His parents were in their 40s when they had him, and he wasn’t bothered by their age so much as by the fact that they just weren’t cool. They were Sinatra fans who wouldn’t check out the rock he loved. They were set in their ways.

Jackson’s advice was to stay fluid, to listen to Parker and keep up mentally with what he likes. OK, I’ll do it. Unless he likes Kanye and the Kardashians, or whatever crap they come up with that’s worse than that. That would be a challenge.

At six months, I can make Parker smile, almost anytime, which is one of the greatest accomplishments of my life. No wonder new parents often think they can write a great children’s book or song or invent a baby product and bring it to Shark Tank.

These kids love everything we do, no matter how out-of-tune or shallow.

I sing to him constantly, make dumb and obnoxious noises and get the most joyful, lilting laugh I’ve ever heard. Jerry Seinfeld isn’t this funny.

I live for that laugh. It’s the greatest sound I’ve ever heard. It’s changed my life’s goals. From here on out, all I want to do is keep this kid that happy.

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Life’s Too Snort What I did when snoring was no longer a laughing matter BY RICHARD STOCKTON

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’ve been married for 26 years. Well, not in a row. The second marriage took a turn for the worse when my snore became likened to “a circular saw cutting through sheets of aluminum,” “a giant sinkhole sucking down Chicago,” and “the snore that rattled the West.” My snore could be heard through a closed door.

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I’d be lying flat on my back in fitful sleep with my soft palate and uvula vibrating louder and louder. As the constriction sinks farther down my throat, I stop breathing and my legs twitch. I gag and explode, gasping for air, bolting upright. I see my wife glaring at me, her fist and her jaw clenched. I say, “Wow,

baby, guess you couldn’t sleep either.”

She threatened to use duct tape. A taser.

Finally the note on her desk: To stop the snoring, place pillow tightly over face. Hold until snoring stops. Burn this note.

Much later, Dr. Hasani stares down my throat, and tells me that the physiology of my soft palate (which vibrates during snoring, along with the uvula) makes me a perfect candidate for sleep apnea. Sleep apnea?

I read online that the symptoms of obstructive sleep apnea exactly fit my symptoms. For 10 years, I have felt worse and worse, with a devil whispering in my ear, “You’re getting old.” I wake up with a dry mouth and a headache, and my first thought is “when will I be able to nap?”

I take a huge dose of ibuprofen and start slamming coffee. By 10 o’clock, I’m smoking weed. I get through the work day OK with

RESTFUL TIMES Above: the author after tackling his sleep apnea problem with a CPAP machine (left).

The good doctor lays it out. “Apnea” means “without breath.” Every time breathing stops, the level of oxygen in the blood falls and the heart must pump harder until the person awakens to resume breathing. Dry mouth means you are having a lot of apnea events. About one in four men have sleep apnea, and it’s about half as prevalent in women.

Here’s another bummer: recurring low oxygen levels throughout the night can lead to stroke, Alzheimer’s disease, dementia and on. There is a lot of snoring and a lot of dementia in my family. If I can’t beat this thing, I’m screwed.

At least it inspired a poem: When I sleep with my mouth open, it blocks my air lanes I stop breathing and oxygen stops getting to my brain ibuprofen, caffeine and cannabis sativa.

I’m a high-functioning drug addict.

My wife Julie videotapes me on the couch with my daughter. While talking, I pass out, head back. I choke until I stop breathing, flop around and gasp for air.

The video captures my daughter looking at me with incredulous disdain.

After a torturous sleep study test at Stanford, I’m diagnosed with severe sleep apnea. I feel my mortality. Like all baby boomers, I fully expect to live forever and I tell my new sleep doctor, Dr. Tony Masri, that my goal is longevity. He says, “Longevity happens in the bedroom.”

Makes sense to me. My father fell out of bed, broke his hip, went to the hospital and died of pneumonia. That’s why I take Viagra nightly, to keep from rolling out of bed. It works like a brake.

I wake up with my head pounding in pain In bed six hours I want to pass out again I take ibuprofen and drink coffee to maintain Smoke weed to feel better but I mostly feel insane I wake up breathless with pounding chest pains How many men has this succubus slain?

Dr. Masri persuades me to try a CPAP, which stands for Continuous Positive Airway Pressure. It pumps a low pressure air stream through your nose into your lungs, and that keeps your throat open and keeps the soft palate from closing.

Wearing it, you look like a character out of the Star Wars cantina scene. Julie calls it my “nose face.”

Getting used to the mask was a steep learning curve for me. At first, a chin strap feels like something that must be outlawed at the Geneva Convention. My chin strap and my CPAP headgear was so tight it felt like I was in an Iron Maiden torture device.

But on the first night, I got lucky. It worked. I strained against teeth-clenched claustrophobia all night, but that morning I walked with a spring in my step that I had not felt in 30 years. I hustled around Santa Cruz all day, partied with Julie into the night and I was hooked. I’m bionic. Immortal once again.

Instead of wearing the mask of a caffeine/cannabis cloud all day, I wear the mask of a CPAP machine at night.

I had some bad nights after that while I struggled to get used to it. Many. Now, two years later, it’s easy.

Yesterday I worked out, took a shower, put on my nose face and went to sleep. I dreamed that I was sleeping without my air mask on. As I came into a light sleep, I reached up to make sure I was sleeping without my mask and I felt my air hose attached to the top of my head coming into my nose. My nose face felt so comfortable that I had dreamed I was not wearing it.

I’ll leave you with three notes about using a CPAP: 1. To use it, your mouth must be closed, which eliminates talking in your sleep.

That alone can save your marriage.

2. The hose from the machine to your nose is about four feet long. You still might walk in your sleep, but you won’t get far.

3. After a sleep without apnea occurrences, I don’t want to get stoned.

For me, not being stoned is like being in an altered state. My advice to potheads experimenting with being straight: Go slow. Reality is not for everyone.

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DADANDMEAND

I STOPPED MAKING FUN OF MY DAD’S TROUBLE WITH TECHNOLOGY AND STARTED EMBRACING IT. HERE’S WHAT HAPPENED

BY STEVE PALOPOLI

N

ot long after I started managing my dad’s Netflix queue, I was getting obsessive about the email notices the company would send me whenever they mailed a DVD out to him, or received one he’d returned. Since the next movie couldn’t go out until he returned the last one, I hoped he would send them back quickly after watching them, so we could keep them coming. We live three hours apart, so I couldn’t do much to make sure he mailed them off, but I needn’t have worried—this is my dad we’re talking about. I think he was even driving them to the post office the day after he watched them to make sure they got back right away. At nearly 80 years old, the man has never been late in his life, and it was turning out to be no different with this Netflix experiment we had embarked upon.

Until one day, when I suddenly realized

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I hadn’t gotten an email notice in almost a week. We were on an Expendables kick, so I had moved Expendables 2 to the top of his queue. According to my Netflix emails, it had gone out to him, but hadn’t been received back after several days.

I called him up. “Dad,” I said. “Did you watch Expendables 2 yet?”

“Oh yeah,” he said. “I just put it in the mail today.”

“Finally! Did you like it?”

“Oh, it was terrible,” he said, with a groan. “No story at all. The whole movie was just shoot-em-up, blow-em-up—blow everything up. They got this big all-star cast, and none of them even got to do anything!”

“Really?” I asked, mystified. “Then why’d it take you so long to get it back in the mail?”

“Well,” he said, “it was so bad, I had to watch it twice.”

INTO THE QUEUE That right there is why I love talking to my dad about movies. I always have, ever since I was a teenager and actually felt like I was starting to know enough about movie culture to discover some good films, especially older ones. I’d watch, say, Double Indemnity, and when I’d tell him about it, he’d say, “Oh yeah, with Fred MacMurray.

You know, until then he was known for being the goofy dad on My Three Sons.”

Wait, the guy I just saw plot a cold-blooded insurance-scam murder in a hardboiled film noir? Mind blown.

Dad has always been unpretentious about it—to this day, he claims he doesn’t even know much about movies, but I know I got my love of them from him. He took me to the original Star Wars when I was five, and to Raiders of the Lost Ark when I was 9. (Yikes, dad, there were melting Nazis in that!) Once we got a VCR in the 14 >

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early ’80s, he and I and my mom and sis would watch everything from old Abbott and Costello movies to Star Trek flicks to The French Connection. We about wore through a dubbed video from one of his friends that had The Natural on it. It also had—tagged on to the end—Bob Clark’s rare early film Deathdream, which began my lifelong love affair with cult movies.

There is also a strange thread of movie culture that runs through our family history. His mom and dad met while working as ushers in a movie theater during the Depression—movies being the rare industry that thrived in that era, as people flocked to them to take their minds off their troubles. And, for reasons that even my dad isn’t sure about, we have a ring given to his father on the occasion of my dad’s birth by none other than legendary Warner Brothers studio head Jack Warner.

So movies are in my family, in a way, and when I got a job running a national movie magazine in L.A., my dad used to go to the Texaco gas station where he lives in Paso Robles to buy every new issue, even though he knew I was going to give him a copy for free. To this day, that’s the thing that means the most to me about that gig.

Movies came to mean something different though, after my mom died three years ago. After almost 50 years of marriage, he was devastated. He’s a very social person with a lot of friends, and memberships in at least three car clubs.

But he confided to me that it was the nights—when he’d come home to an empty house after doing all his social things— that were the hardest.

About a year after mom’s death, I got an idea. What if on some of those nights, he had a movie waiting for him to watch, and he wouldn’t necessarily even know what it was going to be? He hadn’t rented a movie in years, and was mostly just watching the same DVDs and VHS tapes in his collection over and over, which I knew couldn’t be helping all that much.

Meanwhile, I was a big Netflix user, and I thought he’d enjoy it, too. Streaming was out of the question—the guy barely trusts his computer enough to get on it for email—and even with the DVD service, I had a feeling if I just signed him up and expected him to go hunt around to find

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This is a man who kept his VCR running by replacing the broken drive belt with a rubber hair tie. That ancient tape machine and his Sony DVD player are hooked up to his current TV—and I use the term “current” loosely. movies to put in his queue, he wouldn’t. So I told him that for Christmas I was getting him a Netflix subscription, and I’d manage his queue—with his input, of course.

Now, like a lot of Internet-era sons, I have always enjoyed razzing my father about his flat-out rejection of technological advancement, and the lengths to which he takes his unwillingness to upgrade. This is a man who kept his VCR running by replacing the broken drive belt with a rubber hair tie. That ancient tape machine and his Sony DVD player are hooked up to his current TV—and I use the term “current” loosely, as he bought it in the early ’80s.

How it’s even able to communicate with a DVD player in the first place, I have no idea. And yet, as with all the appliances he somehow manages to make last for 30 to 40 years, he’s not entirely convinced he’s gotten his money out of it. Did I mention he was born at the tail end of the Great Depression?

But this time, I completely changed my attitude. Rather than fight his tech resistance, I resolved to help him through it. The queue became a mix of movies I dropped in because I thought he might like them and things he mentioned he’d like to see. We’d talk about the great racing movies, and then I’d put them all in the queue. He’d tell me his favorite baseball movies, all the way back to 1942’s The Pride of the Yankees (and damn, does he know baseball movies), and into the queue they’d go. I’d send him current stuff I hadn’t even seen, and he’d tell me if it was good. My favorite part was—and still is—talking to him about each movie after he’s watched it.

Last December, he told me, “Hey, for Christmas this year, just do that Netflix thing again, if you don’t mind.” Mind? It’s like my favorite thing.

A LOOK BACK Before I write this article, we sit down at his dining room table and talk for an hour and a half about what this whole experiment has been like for both of us.

I tell him that even though we’ve always been close, this has been a bonding experience I didn’t expect. He tells me that before we started this, he had no idea what it’d be like at all, and that there have been plenty of times he’s opened that red envelope and wondered what the heck I just sent him, and why. Some turned out to be great, others not so much. (Here are my dad’s top three complaints about movies, in order: 1. “It was so slow”; 2. “It was slow”; 3. “It just was kind of slow.”) There have even been a few that were so bad, he had to watch them twice.

And of course we talk about mom, and I’m constantly reminded how much he still loves her and misses her, just like I do. It’s a hole in his life I can never fill, no matter how much I wish I could. My dad’s always a step ahead of me, though, like when the subject of her favorite movies comes up.

“Your mother liked that Richard Dreyfuss movie Mr. Holland’s Opus. She would watch it over and over,” he says. “I haven’t played it since she died.”

“Oh jeez, yeah, I understand,” I say.

“Like it’s too emotional to watch it because it reminds you so much of her.”

He looks down at the table, with a long sigh. “No, I never cared that much for the movie.”

Slowly, a smile breaks through the deadpan, and then a sly laugh. He got me again, for about the millionth time.

Just for that, dad, I’m putting a certain heartwarming movie about a music teacher bonding with his high-school students into your queue right now.

Healthy Food, Happy Hearts Sign up to receive a brown bag of healthy groceries every week for just $30 a year.

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Dancing ON THE Sea S

eniors like myself cruise for a lot of reasons—for relaxation, say, or to visit exotic ports of call.

Most wouldn’t think to cruise for fitness. But my recent Zumba cruise on Royal Caribbean’s Independence of the Seas—with its slogan “Eat-Sleep-ZumbaRepeat” emblazoned on every corner of the ship—made me a believer.

It all started because my daughter, Joy Smith, was joining 130 ZES (Zumba

FITNESS IS THE NEWEST REASON TO CRUISE

BY JUNE SMITH

Education Specialist) staff from 50 countries, invited on board to provide classes for 4,400 passengers. The cruise welcomed instructors, along with friends and families who share a passion for the program. For a once-in-a-lifetime motherdaughter dance experience, Joy asked me to be her cabin-mate.

Zumba creator Alberto “Beto” Perez and this hand-picked elite team were cruise celebrities. These specialists are

responsible for training instructors around the globe, and each one possesses a unique expertise, as shown in themed classes on the cruise. Joy incorporates cabaret, samba and hip-hop into her routines, and others specialize in Aqua Zumba, Bollywood or Brazilian Carnival, among many others.

Colombian-born Beto—like Shakira, known simply by his first name—began his career as a trainer and 18 >

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Reverse Mortgage Myths: Myth: The lender owns the home.

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Borrowers must continue to pay required property taxes and homeowners insurance.

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< 16

choreographer. On one fateful day in 2001, on our private cruise. After a dance he arrived at his aerobics class without class on the helipad, balcony deck. First on Smith was surprised his regular music and improvised with my evening agenda with a white brushedpersonal salsa and merengue tapes, and was another Zumba gold diamond Zumba was born.

Gold class, this one surrounded by blue Getting to the ship in Fort Lauderdale taught by Joy Prouty sapphires, and the the day before departure involved a and Josie Gardiner, words, “Niel, you red-eye flight from SFO, and the early co-creators of the have been the glass arrival meant a long wait in the Hampton lower-impact class slipper for my heart.

Inn hospitality area before check in. At along with Beto.

Will you marry me?” breakfast, Joy reunited with ZES friends The women fed off The answer was yes. from around the world. Early the next each other’s energy, Dinnertime was morning, a bus picked up her group for demonstrating their DANCE PARTNERS The author with also an opportunity orientation meetings, and at a more credo “Zumba is a Zumba founder Beto Perez. for Joy to meet civilized hour, a second bus transported party, and no matter the spouses who friends and family to the Independence of what the person’s accompanied her ZES gal friends. Two the Seas. After meeting up at the safety age, everyone likes to have a good time!” of the husbands clued me in on the drill, we visited the beautiful, windowed Then it was time for the official ZES NZH Facebook page “Neglected Zumba lounge reserved for ZES members. Before welcome dinner, and I had hoped this Husbands.”

There, an order link is we set sail, I attended a Zumba Gold could be my chance to meet Beto. He’s provided for “Feel the Neglect” T-shirts. class with Helen from New York. She constantly surrounded by admirers, Both of these men, however, were had us grooving to Aretha Franklin and but the perfect opportunity for an supportive Zumba husbands, happily James Brown, sprinkled among her many introduction came just before dessert assisting their wives on work vacations to selections with a Latin beat. was served. The last thing I expected, exciting locales.

More than 346 classes took place in however, was to have him jump up, plant On day three, the ship arrived at Labadee, spaces all over the ship, continuing until a hug and kiss on both cheeks and lead me the private island for Royal Caribbean 10:45 p.m. Beto’s to a side aisle to talk! He guests, located on the north coast of Haiti. morning sessions, thanked me for bringing An official Zumba concert was taking held poolside, easily my daughter Joy into the place at Adrenaline Beach, but I opted to accommodated his world, and I gathered up enjoy the upbeat music from our private large posse of fans, but the composure to say, “I balcony, looking forward to the next day’s passengers visiting took her to dance classes destination of Falmouth, Jamaica. the excursion desk on as soon as she could We took the short bus ride to private the Royal Promenade walk.” When he asked Red Stripe Beach (named after the local had to dance their if I was a dancer; I said beer) boasting fine white sand and warm way through popular, that I had always loved Jamaican waters. We soaked up the sun, massive classes held in Latin dance and thanked strolled along the beach and relaxed under the walkway. him for creating Zumba. wispy willow trees.

The resident DJ led a On our first full day With a knowing grin, he group of us in lively impromptu dancing at sea while Joy taught, responded, “It’s hot!” while waiting for the bus back to the ship.

I consulted the ship’s Throughout the week, On the last day, due to wind and rain, daily planner and saw we ate healthy but tasty the reggaeton contest by the pool was that a salsa contest food at the buffet, and DOCK STAR Joy Smith on the cancelled, but there were plenty of indoor Zumba cruise. was taking place in the evening feasted activities, including Joy’s seminar on poolside. Knowing on shrimp cocktail and healthy eating habits.

That evening at the that the majority of contestants would lobster in the formal dining room. We ZES farewell dinner, we dined at Beto’s be instructors, I had no intention of experienced a whirlwind of classes, table and enjoyed conversations with competing, but hoped I might pick up lifestyle seminars, and reunions in people from all corners of the world.

For some new moves. As the groups practiced corridors, elevators and restaurants with Joy and I, the cruise had given us the their routines, the pounding beat of the friends, often dining with friends Niel opportunity to dance anywhere, anytime—a music was so contagious that those of us Smith and A.J. Hernandez. When Smith, pretty good reason for going off the grid. watching couldn’t help but dance on the who Joy had trained, met Hernandez at the sidelines.

Orlando annual convention, they became The 2017 Zumba Love in the Caribbean cruise Because there was a busy night ahead, I a couple, and we were in on the secret takes place April 23-28 from Miami, Florida to Nassau, Bahamas, and Cozumel, Mexico. spent my afternoon relaxing and reading that Hernandez planned to propose on the

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You can make a difference for a child in foster care.

You do not have to be a lawyer or social worker to volunteer as a Court Appointed Special Advocate. CASA volunteers are everyday people, trained and supported by CASA staff, then appointed by judges to advocate for the safety and well-being of children who have been removed from their homes because of abuse or neglect.

Over 60% of CASA’s volunteer Advocates are over the age of 55. Many have grown children, or find themselves wanting to have children in their lives; many have either reached retirement or see it on their horizon.

All of them are caring, consistent adults ready to make a difference in a young person’s life by spending a few hours a week with “their” CASA child, offering friendship and emotional support while helping the child rebuild trust and self-esteem, as well as gathering information from everyone involved in the child’s case.

In the words of a long-time CASA volunteer, “Being an Advocate has been a privilege. I think anyone who volunteers to become a CASA Advocate will find it to be one of the most rewarding things they’ve ever done.”

Learn more at tinyurl.com/CASAworks

A few hours a week, a lifetime of impact.

casaofsantacruz.org • 831-818-9723 2016 | GOODTIMES.SC | SANTACRUZ.COM | SENIOR PROJECT

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CENTRAL COAST CENTER FOR INDEPENDENT LIVING CCCIL promotes the independence of those living with disabilities by ensuring that they have ways to fully and equally participate in life. That means providing advocacy, support and education to people with disabilities, as well as their families, loved ones and wider community. Whether it’s through assistive technology, assistance dogs, specified eyeglasses, hearing aids or software teaching tools for independent living, CCCIL is committed to empowering individuals.

Central Coast Center for Independent Living, 1359 41st Ave., Suite 101 Capitola. 462-8720, and 318 Cayuga St., Suite 208, Salinas. 757-2968.

Guide

The

­­­S E N I O R PROJECT

ADVOCACY & PROTECTION ADULT PROTECTIVE SERVICES 454-4101, (866) 580-4357, cdss. ca.gov/agedblinddisabled/PG1298. htm. 24-hour hotline to report elder abuse.

ADVOCACY, INC. 5274 Scotts Valley Drive, Ste. 203, Scotts Valley, 429-1913, advocacy-inc.org.

CALIFORNIA DEPARTMENT OF AGING 1300 National Drive, Ste. 200, Sacramento, (916) 419-7500, TDD: (800) 735-2929, aging.ca.gov.

CALIFORNIA SENIOR LEGISLATURE 1020 N. St., Room 513, Sacramento, (916) 552-8056,

4csl.org. Local representatives: Senior Sen. George “Bud” Winslow (budwin@gmail.com) and Senior Assemblymember Chuck Molnar (molnar_2001@ yahoo.com).

CENTER OF EXCELLENCE ON ELDER ABUSE AND NEGLECT AT UC IRVINE (714) 456-6466, centeronelderabuse.org.

CENTRAL COAST CENTER FOR INDEPENDENT LIVING 1395 41st Ave., Capitola, 462-8720, 462-8729 TDD: cccil.org.

COUNTY OF SANTA CRUZ HUMAN SERVICES AGENCY, ADULT AND LONG-TERM CARE DIVISION 1400 Emeline Ave., Bldg. K, Santa Cruz, 454-4101, TTY: 763-8828,

santacruzhumanservices.org.

ELDERCARE LOCATOR (800) 677-1116, eldercare.gov.

ELDERDAY ADULT HEALTH CENTER 100 Pioneer St., Ste. C, Santa Cruz, 458-3481, splg.org.

ELDERLY AND DISABLED TRANSPORTATION ADVISORY COMMITTEE 1523 Pacific Ave., Santa Cruz, 460-3200, sccrtc.org.

FINANCIAL ABUSE SPECIALIST TEAM (FAST) ncea.aoa.gov.

IN-HOME SUPPORT SERVICES PUBLIC AUTHORITY ADVISORY COMMISSION 18 W. Beach St., Watsonville, 763-8800; 1400 Emeline 22 >

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Your Decisions Matter

MINIMIZING TAXES IN REAL ESTATE

By Datta Khalsa, Broker As we approach the later stages of life, finding ways to avoid giving up a large chunk of whatever wealth we have managed to accumulate to taxes becomes a common preoccupation. It is also when most people are looking to cut back on their daily worries. In terms of properties, this translates to what a client summed up best when he counted his real estate wealth in terms of the number of toilets that he owned.

Two of the more significant government-driven tax incentives in Real Estate include the Capital Gains Exclusion on primary residences and the Tax-Deferred Exchange that allows income properties to be traded into other income properties while postponing or even ultimately avoiding Capital Gains taxes as long as they meet required guidelines.

Make Your Healthcare Wishes Known to family, friends, and loved ones.

Understanding Advance Directives

Tools for achieving the ideal balance between wealth and workload can also include hiring a good Property Manager, or exchanging from multiple higher-maintenance residential properties into a few larger low-maintenance holdings such as NNN leased commercial properties, which tend to have much lower turnover and their maintenance built into the lease terms.

Learn how an Advance Directive can help you make your wishes known when you are unable to communicate for yourself.

But what do you do when you want to get off the real estate merry-go-round entirely? Some property owners simply choose to bite the bullet and pay the 1/3 or so of their accumulated proceeds to taxes, while others use various strategies such as exchanging into an investment property and then converting its use into a primary residence after a few years to be able to get up to $500,000 of their capital gains excluded. Others choose to do an installment sale and carry a note to give them a source of fixed income while deferring the Capital Gains taxes until the Principal is paid off.

Planning Ahead for Peace of Mind

One of the most valuable tools in terms of protecting a family’s investments and passing them on from generation to generation is setting up a Revocable Trust, which should be handled through an attorney who can structure it correctly for each family’s unique needs. In most circumstances the property gets a stepped basis on the death of the parent so that prior capital gains are eliminated.

There are multiple other ways to eliminate capital gain, such as through the use of a Charitable Trust arrangement, which is powerful but very complex, and too complicated to go into here. Another common issue for cases where one sibling wants to buy out the others is the increase in property taxes on the purchased interest, which can be greater than most capital gains liability.

There is a very narrow way to prevent the reassessment, which involves the use of a short-term hard money loan to the trust or estate to buy out an interest.

The bottom line comes down to planning ahead to develop the best plan for minimizing your tax consequences. The strategies I have outlined here are just a few general tools, and there are exceptions to every rule. And of course, any strategy should be handled with the help a qualified professional, and I can recommend several locally, depending on your particular situation.

Datta Khalsa is the broker and owner at Main Street Realtors in Soquel. He can be reached at (831)818-0181 or Paid Advertorial datta@mainstrealtors.com

A panel presentation to answer questions about financial, funeral, community resources, and advance care planning and resources information to assist you with the Advance Directive form and end-of-life plans.

Advance Directive Consultation

Schedule a one-on-one consultation with a trained counselor to complete your Advance Directive or review your existing advance directive. Preregistration is required to secure your free 30 minute appointment.

Complete an Advance Directive with the support of our workshops.

Attend any or all in the series or contact us for a one-on-one consultation to answer your questions.

Contact:

Shirley Sapena 831 430 3078 ssapena@hospicesantacruz.org

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Providing compassionate personalized 24-hour care for those with Alzheimer’s or Dementia.

A community designed with 4 self-contained small neighborhoods of suites. Each offering their own family room for relaxing, visiting, and social engagement, participatory therapy kitchen, and family-style dining room that serves as gathering space for eating, activities and socialization.

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Now Taking Reservations

831-421-9100

www.WestWindMemoryCare.com RCFE License #435202516 2016 | GOODTIMES.SC | SANTACRUZ.COM | SENIOR PROJECT

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The Guide

­­­S ENIOR PROJECT Ave., Santa Cruz, 454-4101, santacruzhumanservices.org.

SANTA CRUZ COUNTY COMMISSION ON DISABILITIES 701 Ocean St., Room 30, Santa Cruz, 454-2355, scccod.net.

SANTA CRUZ COUNTY SENIORS COMMISSION 701 Ocean St., Room 310, Santa Cruz, 454-2600, co.santa-cruz.ca.us/ departments/personnel/commissions/ seniorscommission.aspx.

SENIORS COUNCIL OF SANTA CRUZ AND SAN BENITO COUNTIES/AREA AGENCY ON AGING 234 Santa Cruz Ave., Aptos, 688-0400, seniorscouncil.org.

HANOVER GUEST HOME 813 Hanover St., Santa Cruz, 426-0618, hanoverguesthome.com.

LA POSADA 609 Frederick St., Santa Cruz, 429-9230, laposadaretirementcommunity.com.

MAPLE HOUSE 410 Pennsylvania Ave., Santa Cruz, 423-6347, themaplehouse.com.

MAPLE HOUSE II 2000 Brommer St., Santa Cruz, 476-6366, themaplehouse.com.

OAK TREE VILLA 100 Lockewood Lane, Scotts Valley, 438-7533, brookdaleliving.com.

SENIOR NETWORK SERVICES 1777-A Capitola Road, Santa Cruz, 462-1433, seniornetworkservices.org.

PACIFIC COAST MANOR 1935 Wharf Road, Capitola, 476-0770, covenantcare.com.

SENIOR ROUNDTABLE OF SANTA CRUZ COUNTY Visit seniorroundtable.com or call 469-4900

PARADISE VILLA 2177 17th Ave., Santa Cruz, 475-1380, paradisevillaelderlycare.com.

THE SENIOR COALITION P.O. Box 303, Soquel, 684-8172, seniorcoalition.org.

LIVING FACILITIES There are many types of senior housing options, ranging from residential facilities and assisted living homes, to independent living and retirement communities. Learn more about the differences and search for options near you at eldercare.gov (800-677-1116) or seniorfacilityfinder.com.

AEGIS OF APTOS 125 Heather Terrace, Aptos, 706-2977, aegisliving.com.

ALEXANDRIA VICTORIA 226 Morrissey Blvd., Santa Cruz, 429-9137.

CAPITOLA MANOR 1098 38th Ave., Santa Cruz, 291-0010, capitolamanor2014.com.

CRESTHAVEN NURSING HOME 740 17th Ave., Santa Cruz, 475-3812.

DARWIN HOUSE 707 Darwin St., Santa Cruz, 457-9091.

DOMINICAN OAKS 3400 Paul Sweet Road, Santa Cruz, 462-6257, dominicanoaks.com.

GOLDEN AGE CONVALESCENT HOSPITAL 523 Burlingame Ave., Capitola, 475-0722.

SUNSHINE VILLA 80 Front St., Santa Cruz, 459-8400, sunshinevillaseniorliving.com.

TWIN LAKES MANOR 777 Volz Lane, Santa Cruz, 477-1100, twinlakesmanor.net.

VALLEY HAVEN 2266 Chanticleer Ave., Santa Cruz, 818-8372, valleyhavencare.com.

VALLEY HEIGHTS 925 Freedom Blvd., Watsonville, 722-4884, valleyheights.com.

WESTWIND MEMORY CARE 160 Jewell St., Santa Cruz, 421-9100, westwindmemorycare.com.

CLASSES & ACTIVITIES ACADEMY OF MARTIAL & INTERNAL ARTS 1570 Soquel Dr., Santa Cruz, 475-1429, reelingsilk.com.

AWAKENING CHI 1060 River St., Ste. 111, 334-7757, awakeningchi.org.

BRIDGE OF HOPE P.O. Box 576, Soquel, 464-2362, bridgeofhopefoundation.org.

CALIFORNIA CLASSIC SAIL Santa Cruz Harbor, F dock. Near

790 Mariner Park Way, Santa Cruz, 325-0466, californiaclassicsail.com.

CITY OF CAPITOLA RECREATION DEPARTMENT 4400 Jade St., Capitola, 475-5935, cityofcapitola.org/recreation.

CITY OF SANTA CRUZ PARKS & RECREATION DEPARTMENT 323 Church St., Santa Cruz, 420-5270, cityofsantacruz.com.

CONFLICT RESOLUTION CENTER 1414 Soquel Ave., Ste. 218, Santa Cruz, 475-6117, crcsantacruz.org.

FAMILY SERVICE AGENCY OF THE CENTRAL COAST Santa Cruz: 104 Walnut Ave., Ste. 208, Santa Cruz, 423-9444; Watsonville: 11 Alexander St., Ste. D, Watsonville, 728-9970 (24-hour multi-lingual crisis line), fsa-cc.org.

DOMINICAN HOSPITAL’S PERSONAL ENRICHMENT PROGRAM 1555 Soquel Drive, Santa Cruz, 462-7709, dominicanhospital.org.

HEALTH INSURANCE COUNSELING AND ADVOCACY PROGRAM (HICAP) OF SENIOR NETWORK SERVICES 1777-A Capitola Road, Santa Cruz, 462-5510, seniornetworkservices.org.

SANTA CRUZ COUNTY PARKS DEPARTMENT 979 17th Ave., Santa Cruz, 454-7901, scparks.com./adult_senior.html.

HOSPICE OF SANTA CRUZ COUNTY 940 Disc Drive, Scotts Valley, 430-3000, hospicesantacruz.org.

SEASCAPE VILLAGE FITNESS & PHYSICAL THERAPY 16 Seascape Village, Aptos, 708-2323, seascapevillagefitness.com.

SIMPKINS FAMILY SWIM CENTER 979 17th Ave., Santa Cruz, 454-7946, scparks.com.

WATSONVILLE COMMUNITY HOSPITAL 75 Nielson St., Watsonville, 724-4741, watsonvillehospital.com.

WATSONVILLE PARKS & RECREATION DEPARTMENT 30 Maple Ave., Watsonville, 768-3240, cityofwatsonville.org/parkscommunity-services.

PROJECT SCOUT 114 E. 5th St., Watsonville, 724-2606, seniorscouncil.org./project_scout.html.

ALCOHOLICS ANONYMOUS (AA) 5732 Soquel Drive, Soquel, 475-5782, aasantacruz.org. 24-hour hotline.

AA FAMILY GROUPS 462-1818, ncwsa.org/d23.

ADULT MENTAL HEALTH SERVICES Santa Cruz: 1400 Emeline Ave., Bldg. K, Santa Cruz, 454-4170, santacruzhealth.org.

ADULT PROTECTIVE SERVICES (HUMAN SERVICES DEPARTMENT) 1400 Emeline Ave., Bldg.

K, Santa Cruz, 454-4101, santacruzhumanservices.org.

CATHOLIC CHARITIES MENTAL HEALTH DEPARTMENT 217 E. Lake Ave., Watsonville, 722-2675.

MENTAL HEALTH CLIENT ACTION NETWORK 1051 Cayuga St., Santa Cruz, 469-0462, mhcan.org.

NARCOTICS ANONYMOUS 429-7436, 24-hour hotline, scnapi.org.

NARCOTICS ANONYMOUS FAMILY GROUPS AT APTOS CHRISTIAN FELLOWSHIP 7200 Freedom Blvd., Aptos. St. Philip’s Church, 5271 Scotts Valley Drive, Rm 1, Scotts Valley, (888) 374-1164. At Sutter Hospital—Sutter Room: 2900 Chanticleer Ave., Santa Cruz.

SANTA CRUZ VETS CENTER 1350 41st Ave., Ste. 102, Capitola, 464-4575, santacruzhumanservices. org, va.gov.

WOMEN’S CRISIS SUPPORT ~ DEFENSA DE MUJERES (MONARCH SERVICES) Santa Cruz: 1685 Commercial Way, Santa Cruz, 425-4030; Watsonville: 233 E. Lake Ave., Watsonville, 722-4532, (888) 900-4232 (crisis line), wcs-ddm.org.

DENTAL CARE CABRILLO COLLEGE DENTAL HYGIENE CLINIC 6500 Soquel Drive, Room 611, Aptos, 479-6431, cabrillo.edu/academics/ dentalhygiene/clinic.

DENTI-CAL (800) 322-6384, denti-cal.ca.gov.

DIENTES COMMUNITY DENTAL CLINIC 1830 Commercial Way, Santa Cruz, 464-5409, dientes.org.

24 >

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SENIOR PROJECT | SANTACRUZ.COM | GOODTIMES.SC | 2016

Capitola Mall Walking

Join the Mall Walkers for health, fitness, & fun!

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Monthly events include stretching, birthday celebrations and luncheons.

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(831) 334-7757 2016 | GOODTIMES.SC | SANTACRUZ.COM | SENIOR PROJECT

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The Guide

­­­S ENIOR PROJECT

PROJECT SCOUT Doing your taxes is never fun, and affordable help is not always easy to find, which is why Project SCOUT offers free tax assistance to seniors, individuals with disabilities, and low-income residents in Santa Cruz County. What began in 1968 as a private nonprofit organization has blossomed into a year-round service with a corps of volunteers from the local community. In the 2013-2014 tax year, they helped seniors reclaim $1,884,240 in tax refunds. Their volunteers are trained by Internal Revenue Service and Franchise Tax Board personnel to assist senior, blind, disabled and low-income individuals with their taxes, and they also offer appointments before and after the tax season.

Project SCOUT, Watsonville Senior Center, 114 E 5th St., Watsonville. 724-2606.

DR. ROBERT MATIASEVICH JR., DDS 1775 Dominican Way, Santa Cruz, 316-1580, santacruzdentist.com.

SALUD PARA LA GENTE 204 E. Beach St., Watsonville, 728-0222, splg.org.

SANTA CRUZ PACIFIC DENTAL 550 Water St. Bldg J-2, Santa Cruz, 458-3384, santacruzpacificdental.com.

SMILE DENTAL CARE, DR. FERNANDEZ 1588 Soquel Drive, Santa Cruz, 476-5995, usasmiledent.com.

EDUCATION & SOCIAL SERVICES AARP (AMERICAN ASSOCIATION OF RETIRED PERSONS) 1-888-687-2277, aarp.org.

CAREGIVER TRAINING SERIES Cabrillo College, 6500 Soquel Drive, Aptos, 708-8576, cabrillo.edu/services/extension/ healthcare.html. Offered each semester, Saturdays 9:30 a.m.

-4 p.m.

CABRILLO COLLEGE STROKE & DISABILITY LEARNING CENTER 6500 Soquel Ave., Santa Cruz, 477-3300, cabrillo.edu/ academics/strokecenter.

CABRILLO COMMUNITY COLLEGE 6500 Soquel Drive, Aptos, 479-6100, cabrillo.edu.

DAVENPORT RESOURCE SERVICE CENTER 150 Church St., Davenport, 425-8115.

DISABILITY RESOURCE CENTER 1156 High St., Santa Cruz, 125 Hahn Student Services, 459-2089.

THE DIVERSITY CENTER 1117 Soquel Ave., Santa Cruz, 425-5422, diversitycenter.org.

MOUNTAIN COMMUNITY RESOURCES 6134 Hwy. 9, Felton, 335-6600, communitybridges.org/ mountaincommunity.htm.

OSHER LIFELONG LEARNING INSTITUTE AT UC SANTA CRUZ 1156 High St., Santa Cruz, 459-2552, ucsc-osher. wikispaces.com.

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SENIOR PROJECT | SANTACRUZ.COM | GOODTIMES.SC | 2016

OLDERHOOD 50-101+ • There is an art in aging.

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2016 | GOODTIMES.SC | SANTACRUZ.COM | SENIOR PROJECT

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The Guide

­­­S ENIOR PROJECT SANTA CRUZ ADULT EDUCATION 319 La Fonda Ave., Santa Cruz, 429-3966, adulted.santacruz.k12. ca.us.

SANTA CRUZ PUBLIC LIBRARIES 117 Union St., Santa Cruz, 427-7717, santacruzpl.org.

SCOTTS VALLEY CENTER OF CABRILLO COLLEGE 104 Whispering Pines Drive, Scotts Valley, 477-3400. cabrillo.edu/services/ scottsvalley.

SENIOR COMPUTER CENTER 301 Center St., Santa Cruz, 420-6180, seniorcomputer.org.

SOCIAL SECURITY 169 Walnut Ave., Santa Cruz, (800) 593-8523, ssa.gov.

WATSONVILLE CENTER OF CABRILLO COLLEGE 318 Union St., Watsonville, 786-4700, cabrillo.edu/services/watsonville.

EMPLOYMENT SERVICES CALIFORNIA STATE DEPARTMENT OF VOCATIONAL REHABILITATION 1350 41st. Ave., Ste. 101, Capitola, 465-7100, dor.ca.gov.

EMPLOYMENT DEVELOPMENT DEPARTMENT CAPITOLA CAREER CENTER 2045 40th Ave., Capitola, 464-6286.

HOME HELP FOR SENIORS RESPITE CARE REGISTRY 1777-A Capitola Road, Santa Cruz, 462-1433, seniornetworkservices. org./ respite-care-registry.

HUMAN RESOURCES DEPARTMENT 809 Center St., Santa Cruz, 420-5040, cityofsantacruz.com./index. aspx?page=210.

SHORELINE SANTA CRUZ NEIGHBORHOOD CAREER CENTER 350 Encinal St., Santa Cruz, 423-8611, shorelineworks.org.

WATSONVILLE CAREER CENTER 18 W. Beach St., Watsonville, 763-8700, santacruzhumanservices.org.

WORKFORCE INVESTMENT BOARD 18 W. Beach St., Watsonville, 763-8900, cwib.ca.gov, santacruzhumanservices.org.

FINANCIAL SERVICES BAY FEDERAL CREDIT UNION Multiple Locations, 479-6000, bayfed.com.

EDWARD JONES INVESTMENTS Multiple locations, edwardjones.com.

PACIFIC INLAND FINANCIAL INC. 5161 Soquel Drive, Soquel, 475-2600, pacificinland.com.

SANTA CRUZ HOME FINANCE 1535 Seabright Ave., Santa Cruz, 425-1250, santacruzhomefinance. com/home.html.

(888) 421-8080, santacruzhumanservices.org.

AMERICAN COUNCIL OF THE BLIND (800) 424-8666, acb.org.

LA MANZANA COMMUNITY RESOURCES 521 Main St., Ste. Y, Watsonville, 724-2997, communitybridges.org/lmcr.

AMERICAN DIABETES ASSOCIATION (408) 241-1922, diabetes.org.

LIVE OAK FAMILY RESOURCES 1740 17th Ave., Santa Cruz, 476-7284.

MEALS ON WHEELS FOR SANTA CRUZ COUNTY Contact Community Bridges for meal times, locations and drop-off information: 464-3180, communitybridges.org/meals.

AMERICAN HEART ASSOCIATION (408) 977-4950, americanheart.org.

AMERICAN KIDNEY FUND (800) 638-8299, kidneyfund.org.

AMERICAN LIVER FOUNDATION (800) 465-4837, liverfoundation.org.

AMERICAN LUNG ASSOCIATION (800) 548-8252, lung.org.

MOUNTAIN COMMUNITY RESOURCES 6134 Hwy. 9, Felton, 335-6600, communitybridges.org/mcr.

AMERICAN RED CROSS 2960 Soquel Ave., Santa Cruz, 462-2881, redcross.org/ca/santa-cruz.

AGRI-CULTURE 141 Monte Vista Ave., Watsonville, 95076, 722-6622, agri-culture.us.

PAJARO RESCUE MISSION 111 Railroad Ave., Royal Oaks, 724-9576, teenchallengemb.org.

BEACH FLATS COMMUNITY CENTER 133 Leibrandt Ave., Santa Cruz, 426-8232, beachflatscommunitycenter.org.

SECOND HARVEST FOOD BANK 800 Ohlone Pkwy., Watsonville, 722-7110, thefoodbank.org. Food hotline: 662-0991.

ARTHRITIS FOUNDATION GREAT WEST REGION 657 Mission St., Ste. 603, San Francisco, (888) 391-9389, arthritis.org.

FOOD AND NUTRITION

CALIFORNIA GREY BEARS 2710 Chanticleer Ave., Santa Cruz, 479-1055, greybears.org.

CARNATION CAFE SENIOR LUNCH AT LOUDEN NELSON COMMUNITY CENTER 301 Center St., Santa Cruz, 427-0901, cityofsantacruz.com.

CINDY’S CELEBRATIONS, INC. 320 Carrera Circle, Aptos, 479-7509, cindyscelebrations.org.

COMMUNITY BRIDGES ADULT CARE FOOD PROGRAM 236 Santa Cruz Ave., Aptos, 688-8840, communitybridges.org.

ELENA BASKIN LIVE OAK SENIOR CENTER 1777 Capitola Road, Santa Cruz, 476-3272, liveoakseniorcenter.com.

FAMILIA CENTER 711 E. Cliff Drive, Santa Cruz, 423-5747, communitybridges.org/ familiacenter.

HIGHLANDS SENIOR DINING CENTER AT THE SENIOR CENTER OF SAN LORENZO VALLEY 8500 Hwy. 9, Ben Lomond, 336-5366.

HUMAN SERVICES DEPARTMENT 1020 Emeline Ave., Bldg. B, Santa Cruz/18 W. Beach St., Watsonville,

SCOTTS VALLEY SENIOR CENTER 370 Kings Village Road, Scotts Valley, 438-8666.

VALLEY CHURCHES UNITED MISSIONS Drop-off: 9400 Hwy. 9, Ben Lomond; mail: P.O. Box 367, Ben Lomond, 336-8258, vcum.org.

WATSONVILLE SENIOR CENTER 114 E. 5th St., Watsonville, 722-1333.

HEALTHCARE & HEALTH RESOURCES ADVANTACARE MEDICAL 2121 41st Ave., Capitola, Ste. 303, (800) 481-4662, advantacare.net.

AIMEE GOULD SHUNNEY, ND Licensed Naturopathic Doctor.

740 Front St., #130, Santa Cruz, drshunney.com.

ALZHEIMER’S DISEASE CARE CENTER AT ELDERDAY 100 Pioneer St., Ste. C, Santa Cruz, 458-3481, splg.org.

CABRILLO CAREGIVER TRAINING SERIES 708-8576, cabrillo.edu/services/ extension/healthcare.html.

CABRILLO COLLEGE STROKE & DISABILITY LEARNING CENTER 6500 Soquel Drive, Aptos, 477-3300, strokecenter.com.

CANCER DETECTION PROGRAM: EVERY WOMAN COUNTS CENTRAL COAST REGIONAL CONTRACTOR: COMMUNITY HEALTH PARTNERSHIP 100 N. Winchester Blvd., Ste. 250, Santa Clara, dhs.ca.gov/ cancerdetection. (408) 556-6605.

CAROL SHWERY, DC CCN 831 Bay Ave., Ste. 1E, Capitola, 476-6906, dccarolshwery.com.

CENTER FOR DISEASE CONTROL AND PREVENTION (800) 232-4636, cdc.gov.

CENTER FOR LIFESTYLE MANAGEMENT PROGRAM 610 Frederick St., Santa Cruz.

457-7077.

AMERICAN CANCER SOCIETY (800) 227-2345, cancer.org.

CENTRAL CALIFORNIA ALLIANCE FOR HEALTH 1600 Green Hills Road, Ste. 101, Scotts Valley, 430-5500, ccah-alliance.org.

AMERICAN CHRONIC PAIN ASSOCIATION P.O. Box 850, Rocklin, (800) 533-3231, theacpa.org.

COMMUNITY CONNECTION SANTA CRUZ 300 Harvey West Blvd., Santa Cruz, 425-8132, ccsantacruz.org.

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831-476-6906 drcarolshwery.com 2016 | GOODTIMES.SC | SANTACRUZ.COM | SENIOR PROJECT

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COMMUNITY BRIDGES Every day, Community Bridges’ network of 10 programs across 20 different sites works tirelessly to help meet the day-to-day needs of 27,000 local children, families and seniors each year, indeed building the bridges necessary for a thriving community.

While they offer services to a broad array of individuals, Community Bridges has a special subset of programs for seniors including Meals on Wheels, Elderday Adult Day Health Care, and Lift Line. Meals on Wheels provides elders with meals at five dining sites as well as delivered straight to their doors. Elderday provides high-quality day services that include music, yoga, art and woodworking, for adults with complex medical conditions that go beyond standard health care. Lift Line provides 80,000 door-to-door rides to seniors and people with disabilities. All of Community Bridges’ programs offer their services in Spanish.

Community Bridges, 236 Santa Cruz Ave., Aptos. 688-8840.

DAKOTA HEALTH CENTER 111 Dakota Ave., Ste. 2, Santa Cruz, 429-1188.

HEALTH PROJECTS CENTER 1537 Pacific Ave., Ste. 300, Santa Cruz, 459-6639, hpcn.org.

DIABETES HEALTH CENTER 85 Nielson St., Ste. 201, Watsonville, 763-6445, pvhealthtrust.org.

HEARING AID HELPLINE (800) 521-5247 ext. 2, ihsinfo.org.

DOMINICAN HOSPITAL 1555 Soquel Drive, Santa Cruz, 462-7700, dominicanhospital.org.

EYECARE AMERICA SENIORS EYE CARE PROGRAM (877) 887-6327, eyecareamerica.org.

FRANK’S PHARMACY 7548 Soquel Drive, Aptos, 685-1100, franksrx.com.

FRONT ST., INC. 2115 7th Ave., Santa Cruz, 420-0120, frontst.com.

HANGER INC., PROSTHETICS & ORTHOTICS 700 Frederick St., Ste. 101, Santa Cruz, 460-9245, hanger.com.

THE HEARING FOUNDATION (800) 327-8077, earofthelion.org.

HEARTS & HANDS, POST ACUTE CARE & REHAB CENTER 2990 Soquel Ave., Santa Cruz, 479-9000.

HOMELESS PERSONS HEALTH PROJECT 115-A Coral St., Santa Cruz, 454-2080, santacruzhealth.org.

HORSNYDER’S PHARMACY 1226-A Soquel Ave., Santa Cruz, 458-1400, horsnyder.com.

KATZ CANCER RESOURCE CENTER AT DOMINICAN HOSPITAL 1555 Soquel Drive, Santa Cruz, 462-7770.

LASER HAIR & SKIN SOLUTIONS 783 Rio Del Mar Blvd., Ste. 71B, Aptos, 689-9830.

LEUKEMIA & LYMPHOMA SOCIETY 675 N. First St., Ste. 1100, San Jose, (408) 490-2666, lls.org.

LINCARE, INC. 444 Airport Blvd., Ste. 105, Watsonville, 724-1211, lincare. com.

MEDI-CAL 18 W. Beach St., Watsonville, 763-8500, medi-cal.ca.gov. Also, see Central California Alliance for Health.

MEDICARE (800) 633-4227, medicare.gov.

MENDED HEARTS SUPPORT GROUP 475-7585, mendedhearts.org.

MUSCULAR DYSTROPHY ASSOCIATION (800) 572-1717, mdausa.org.

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Your Guides to Things to Do

Downsize • Move • Pack • Unpack Liquidate • Organize Serving: Santa Cruz, Monterey, Santa Clara and San Benito Counties

Theresa Tucciarelli (831)539-1000

www.amovemadesimple.com 2016 | GOODTIMES.SC | SANTACRUZ.COM | SENIOR PROJECT

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The Guide

­­­S ENIOR PROJECT NATIONAL KIDNEY FOUNDATION OF NORTH AMERICA (415) 543-3303, kidney.org.

NATIONAL MULTIPLE SCLEROSIS SOCIETY, NORTHERN CALIFORNIA CHAPTER 1700 Owens St., Ste. 190, San Francisco, (415) 230-6677, nmss.org.

SANTA CRUZ CORE FITNESS AND REHAB 317 Potrero St., Ste. C, Santa Cruz, 425-9500, santacruzcore.com.

SANTA CRUZ HOST LIONS CLUB EYEGLASS FUND PO Box 477, Santa Cruz, 423-2352, santacruzhostlionsclub.org.

NATURAL FOUNDATIONS 4450 Capitola Road, Ste. 105, Capitola, 612-4628, NaturalFoundationsHealing.com.

SANTA CRUZ COUNTY PROSTATE CANCER SUPPORT GROUP 1555 Soquel Drive, Education Bldg., Santa Cruz, 462-7770, scprostate.org.

NUMOTION (FORMERLY ATG REHAB) 446 Westridge Drive, Watsonville, 724-5544, numotion.com.

SOQUEL HEARING AID CENTER 2901 Park Ave., Ste. C2, Soquel, 498-9890, soquelhearingaidcenter.com.

OPTIMAGE HEALTH INC. 930 Mission St., Santa Cruz, 421-0197, optimagehealth.com.

SUTTER MATERNITY & SURGERY CENTER OF SANTA CRUZ 2900 Chanticleer Ave., Santa Cruz, 477-2200, suttersantacruz.org

ORTHNORCAL 4140 Jade St., Room 100, Capitola, 475-4024, orthonorcal.com.

OSTOMY SUPPORT GROUP OF SANTA CRUZ COUNTY 230 Larita Drive, Ben Lomond, 336-8683.

OVEREATERS ANONYMOUS SUPPORT GROUP P.O. Box 698, Santa Cruz, 429-7906, santacruzoa.org.

PACIFIC PULMONARY SERVICES 440 Westridge Drive, Watsonville, 643-2175, ppsc.com.

PARKINSON’S SUPPORT GROUP IN SANTA CRUZ 477-9412, 708-2906, parkinsons.stanford.edu.

PHILIPS LIFELINE (855) 214-1363, lifelinesys.com.

PHYSICIANS MEDICAL GROUP OF SANTA CRUZ 100 Enterprise Way, Ste. C110, Scotts Valley, 465-7800, pmgscc.com.

RADIOLOGY MEDICAL GROUP 1661 Soquel Drive, Santa Cruz, 476-7711, rmgsc.com.

SANTA CRUZ AIDS PROJECT 542 Ocean St., Ste. 1, Santa Cruz, 427-3900, scapsite.org.

THERAPILATES 920-A 41st Ave., Santa Cruz, 476-3100, therapilates.com.

VISTA CENTER FOR THE BLIND AND VISUALLY IMPAIRED 413 Laurel St., Santa Cruz, 458-9766, vistacenter.org.

WATSONVILLE COMMUNITY HOSPITAL 75 Nielson St., Watsonville, 724-4741, watsonvillehospital.com.

WATSONVILLE PHARMACY MEDICAL SUPPLIES AND GIFTS 1433 Freedom Blvd., Watsonville, 728-1818, watsonvillepharmacy.com.

WESTSIDE PHARMACY MEDICAL SUPPLIES AND GIFTS 1401 Mission St., Santa Cruz, 423-7175. westsidepharmacyrx.com.

WOMENCARE 2901 Park Ave., Ste. 1A, Soquel, 457-2273, womencaresantacruz.org.

HOUSING BAY AVENUE SENIOR APARTMENTS 750 Bay Ave., Capitola, 464-6435.

CALIFORNIA RURAL LEGAL ASSISTANCE INC. 501 Soqual Ave., Santa Cruz, 458-1089, crla.org.

DONALD DIMITRUK, REVERSE MORTGAGE 411 Kelly Lane, Santa Cruz, 464-6464, donald@countrysidefinancial.com.

HOMELESS SERVICES CENTER 115-A Coral St., Santa Cruz, 458-6020, scshelter.org.

HOUSING AUTHORITY OF SANTA CRUZ COUNTY 2931 Mission St., Santa Cruz, 469-4272, hacosantacruz.org.

LOS GATOS MEADOWS 110 Wood Road, Los Gatos, (408) 354-0292, losgatosmeadows-esc.org.

MOBILE HOME COMMISSION 701 Ocean St., Santa Cruz, 454-2772, sccounty01.co.santa-cruz.ca.us/mhc/ index.html.

FAMILIAR SURROUNDINGS 2901 Park Ave., Ste. C3, Soquel, 480-3990, fshomecare.com.

HELPING HANDS SENIOR HOME REPAIR PROGRAM 427-5070, scvolunteercenter.com./ programs/elderly-disabled/helping_ hands.

HOME HELPERS 343 Soquel Ave. #100, Santa Cruz, 477-6265, homehelpers.com.

HOME INSTEAD SENIOR CARE 3912 Portola Drive, Ste. 3, Santa Cruz, 476-9500, homeinstead.com.

HEARTLAND HOSPICE 824 Bay Ave., Ste. 40, Capitola, 476-2158, heartlandhospice.com.

MOBILE HOME OMBUDSMAN’S OFFICE (800) 952-5275, hcd.ca.gov.

HOSPICE OF SANTA CRUZ COUNTY 940 Disc Drive, Scotts Valley, 430-3000, hospicesantacruz.org.

PORTOLA PROPERTY MANAGEMENT 1210 Brommer St., Santa Cruz, 475-1355, portolarentals.com.

IN-HOME SUPPORT SERVICES (IHSS) PUBLIC AUTHORITY Santa Cruz: 1400 Emeline Ave., Bldg. K, Santa Cruz, 454-4101; Watsonville: 12 W. Beach St., Watsonville, 763-8800, santacruzhumanservices.org.

SANTA CRUZ COUNTY COUNSEL 701 Ocean St., Room 505, Santa Cruz, 454-2040, co.santa-cruz.ca.us.

SENIOR HOUSING FINDER 462-1433, seniornetworkservices.org.

THE SHELTER PROJECT OF THE COMMUNITY ACTION BOARD Santa Cruz: 501 Soquel Ave., Ste. E, Santa Cruz, 457-1741; Watsonville: 728-4634,cabinc.org./TSP. VALLEY HAVEN 157 Herman Ave., Watsonville, 722-6242, valleyhavencare.com.

IN HOME SERVICES CARE FROM THE HEART HOME SERVICE 3143 Paul Sweet Road, Santa Cruz, 476-8316, carefromtheheart.net.

COMFORCARE HOME CARE 100 Doyle St., Ste. F, Santa Cruz, 427-1553, comforcare.com.

COMPANION FOR LIFE / LIFELINE PROJECT 1570 Soquel Drive, Ste. 2, Santa Cruz, 475-2778, companionforlifelifeline.com.

LIFESPAN CARE MANAGEMENT AGENCY 600 Frederick St., Santa Cruz, 469-4900, lifespancare.com.

SAFE AT HOME SENIOR CARE 820 Bay Ave., Capitola, 462-3500, safehomeseniorcare.com.

SANTA CRUZ SENIOR HOME CARE 477-6265, santacruzseniorhomecare.com.

SENIOR NETWORK SERVICES REGISTRY 1777-A Capitola Road, Santa Cruz, 462-1433, seniornetworkservices.org.

VISITING ANGELS 5274 Scotts Valley Drive, Scotts Valley, 430-0616, visitingangels.com./santacruz/home.

VISITING NURSES ASSOCIATION (VNA) OF SANTA CRUZ COUNTY 2880 Soquel Ave., Ste. 10, Santa Cruz, 479-6620, santacruzvna.org.

DOMINICAN HOME HEALTH 8030 Soquel Ave., Ste. 104, Santa Cruz, 465-7988, dominicanhospital.org.

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­­­S ENIOR PROJECT

COMFORCARE When hiring a caregiver for a loved one, you want assurance that they are given the highest level of respect and support. That’s where ComForCare comes in. The care provider creates personalized plans to take the stress out of caring for seniors, with services ranging from hygiene to medical reminders, companionship to safety supervision, and errands to meal preparation. Whether for round-the-clock help or assistance just a few hours a week, ComForCare caregivers provide the assistance needed. They’re also certified Alzheimer’s Early Detection Alliance members, so their caregivers can keep an eye out for early warning signs of dementia, in addition to providing for the wellbeing and health of their patients.

ComForCare, 100 Doyle St., Suite F, Santa Cruz. 427-1553.

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LEGAL SERVICES ADVOCACY INC. 5274 Scotts Valley Drive, Ste. 203, Scotts Valley, 429-1913, advocacy-inc.org.

CALIFORNIA RURAL LEGAL ASSISTANCE 501 Soquel Ave., Santa Cruz, 458-1089, crla.org.

CALIFORNIA VICTIM COMPENSATION PROGRAM PO Box 3036, Sacramento, (800) 777-9229, calvcp.ca.gov.

CATHOLIC CHARITIES IMMIGRATION SERVICES Santa Cruz: 610 Frederick

St., Santa Cruz, 431-6939, Watsonville: 656 Main St., Watsonville, 722-2675,dioceseofmonterey.org.

LAW OFFICES OF MOIRA LEIGH 150 Walnut Ave., Santa Cruz, 454-0226, santacruzattorney.com.

CONSUMER AFFAIRS 701 Ocean St. Room 20, Santa Cruz, 454-2050, datinternet.co.santa-cruz.ca.us, dca.ca.gov.

LAWYER REFERRAL SERVICE 340 Soquel Ave., Santa Cruz, 425-4755, lawyerreferralsantacruz.org.

DEBORAH A. MALKIN, ATTORNEY AT LAW 2425 Porter St., Ste. 3, Soquel, 462-9100.

DISTRICT ATTORNEY 701 Ocean St., Room 200, Santa Cruz; 275 Main St., Ste. 202, Watsonville, 454-2400.

PACIFIC GARDENS CHAPEL 1050 Cayuga St., Santa Cruz, 423-5721, pacificgardenschapel.com.

SENIOR CITIZENS LEGAL SERVICES OF SANTA CRUZ 501 Soquel Ave., Santa Cruz, 426-8824, seniorlegal.org.

Move Tai Chi, like wisdom, Slowly takes time.

SENIOR LEGAL HOTLINE (800) 222-1753, slh.lsnc.net.

STATE DEPARTMENT OF INSURANCE (800) 927-4357, insurance.ca.gov.

VICTIM-WITNESS ASSISTANCE PROGRAM 454-2010.

VOLUNTEER CENTER OF SANTA CRUZ COUNTY TRANSPORTATION Santa Cruz: 427-3435, Watsonville: 722-6708; Ben Lomond: 336-9387, scvolunteercenter.com.

SENIOR COMPUTER CENTER 301 Center St., Santa Cruz, 420-6180, seniorcomputer.org.

ELENA BASKIN LIVE OAK SENIOR CENTER 1777 Capitola Road, Santa Cruz, 476-3272.

SANTA CRUZ YELLOW CAB 423-1234.

LOUDEN NELSON COMMUNITY CENTER 301 Center St., Santa Cruz, 420-6177 nelsoncenter.com.

MID-COUNTY SENIOR CENTER 829 Bay Ave., Capitola, 476-4711, midcountyseniorcenter.com.

VOLUNTEERING BIG BROTHERS BIG SISTERS OF SANTA CRUZ COUNTY 1500 41st Ave., Ste. 250, Capitola, 464-8691, santacruzmentor.com.

CALIFORNIA GREY BEARS 2710 Chanticleer Ave., Santa Cruz, 479-1055, greybears.org.

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Edit

SCOTTS VALLEY SENIOR CENTER 370 Kings Village Road, Scotts Valley, 438-8666, svlions.org.

SENIOR CENTER OF SAN LORENZO VALLEY 8500 Hwy. 9, Ben Lomond, 336-8900.

WATSONVILLE SENIOR CENTER 114 E. Fifth St., Watsonville, 722-1333.

TRANSPORTATION A MOVE MADE SIMPLE 539-1000, AMoveMadeSimple.com.

AMERICAN CANCER SOCIETY TRANSPORTATION FOR PATIENTS (800) 227-2345, cancer.org.

COMMUNITY BRIDGES LIFT LINE 236 Santa Cruz Ave., Aptos, 425-1558, 688-9663, communitybridges.org COURTESY CAB 149 Walker St., Watsonville, 761-3122, courtesycab.com.

METRO PARACRUZ 425-4664, scmtd.com./metroparacruz.

SANTA CRUZ METRO CENTER 920 Pacific Ave., Ste. 21, Santa Cruz, 425-8600, scmtd.com.

SENIOR CENTERS

MARKET STREET SENIOR CENTER (SENIOR CITIZENS OPPORTUNITIES, INC.) 222 Market St., Santa Cruz, 423-6640.

GREYHOUND BUS LINES 920 Pacific Ave., Santa Cruz, 423-4082, greyhound.com.

CASA 813 Freedom Blvd., Watsonville, 761-2956, casaofsantacruz.org/index.html.

DOMINICAN HOSPITAL VOLUNTEER SERVICES 1555 Soquel Drive, Santa Cruz, 462-7740, dominicanhospital.org.

FRIENDS OF THE SANTA CRUZ PUBLIC LIBRARIES PO Box 8472, Santa Cruz, 427-7716, fscpl.org.

SENIORS COUNCIL OF SANTA CRUZ AND SAN BENITO COUNTIES 234 Santa Cruz Ave., Aptos, 688-0400, seniorscouncil.org.

Aging is Inevitable

but pain doesn‘t have to be

Over 25 years in practice Chiropractic, Acupuncture, Herbal Medicine

SUICIDE PREVENTION SERVICE 104 Walnut Ave. Ste. 208, Santa Cruz, 459-9373, fsa-cc.org.

VOLUNTEER CENTER OF SANTA CRUZ COUNTY’S RETIRED SENIOR VOLUNTEER PROGRAM 1740 17th Ave., Santa Cruz, 427-5070; 12 Carr St., Watsonville, 722-6708, scvolunteercenter.org.

Dakota Health Center Charles Goodwin, DC, LAc 111 Dakota Ave., Suite 2 Santa Cruz (831) 429-1188

for Santa Cruz County a community service of CSU Monterey Bay 33 33

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Meeting Up Santa Cruz’s underground supply of activity groups

BY MARIA GRUSAUSKAS

S

taying social is almost as important to our health as staying physically active—loneliness has been estimated to shave about five years off our lives. But living in Santa Cruz can sometimes feel like living in a bubble; it’s just isolated enough to feel pretty small, and meeting new friends can require some creative innovation.

While tackling the ennui of routine, and the harsh reality of friends moving away to more affordable areas, I came across meetup.com, which brims with opportunities to expand your world of friends and get out. And if you don’t see something that intrigues you, you can start your own group.

Here are four active meetup groups in the Santa Cruz County area that welcome a 55+ crowd.

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GES 55+ SOCIAL CLUB Green Earth Singles began in Santa Cruz more than 30 years ago, with an emphasis on outdoor activities. Today, group activities include events of all kinds, from lunch to movie nights, beach walks and bonfires.

WOMEN’S WALKING/HIKING GROUP FOR THE LESS THAN PERFECTLY FIT This is the perfect meetup group for those women who know that a 5-mile hike is out of their capability, but still want to walk and hike in nature, with a little support along the way. Hikes range from Arana Gulch (followed by happy hour at the Crow’s Nest) to Elkhorn Slough, a West Cliff midday walk, Henry Cowell State Park, and more.

APTOS-TO-LIVE-OAK GIRLFRIENDS 50 PLUS WEEKDAYS FUN This brand-spanking-new meetup is geared toward women over 50 who have flexible time in their weekdays to connect. Meeting between Aptos and Live Oak (to avoid traffic), this group is all about coffee, potlucks, happy hours, walks, and laughter.

LAUGHTER YOGA SANTA CRUZ Open to all ages, from children to seniors, this group is aimed to beat stress and induce joy through laughter, and promises that you will leave feeling peaceful, relaxed and energized.

Find these groups and many more by visiting meetup.com.

GOOD AND BAD NEWS On Reverse Mortgage Costs

Q: I am a disabled person with low income and high equity in my home. Since I do not want to sell at this time, I have been shopping for a reverse mortgage that will eliminate my house payment.

Most of the offers I have gotten have included the requirement that I gut my savings by contributing over $50,000.00 to the payoff of my mortgage. I was shocked when I consulted with you and had that required contribution cut to under $22,000.00. How can your terms/cost be so much BETTER than some other reverse mortgage sources? Are you sure that you have not made a mistake?

A: Well...No mistake on my end and I have to tell you that I cannot comment on quotes that you get from others. AND, the BAD NEWS for reverse mortgage shoppers is that reverse mortgage pricing allows loan officers to receive up to 9% of the first draw (usually the amount required to pay off the existing mortgage) and charge around $9000.00 in commissions and third party fees as well. THIS MEANS THAT THE DIFFERENCE BETWEEN REVERSE MORTGAGE SOURCES CAN BE TENS OF THOUSANDS OF DOLLARS OF FUNDS THE BORROWERS ARE REQUIRED TO CONTRIBUTE TO THE PAYOFF OF THE EXISTING MORTGAGE. When a loan officer is making a gigantic commission, you can bet that 1) the adjustable rate is HIGHER because of the high commission being paid AND THE EQUITY IN THE HOME WILL BE REDUCED AT A MUCH HIGHER RATE; 2) the borrower is paying closing costs that could have been waived if the loan officer was willing to take LESS commission; 3) the borrower is being required to PAY THOUSANDS MORE TO OBTAIN THE LOAN THAN THEY REALLY NEED TO PAY. I cannot comment on what other lenders charge or how much they are making. What I CAN tell you is that I firmly believe that many people would not be happy if they fully understood how much their loan officer/reverse mortgage lender is making and how much it is really costing them in one way or another. The GOOD NEWS for reverse mortgage shoppers is that MY REVERSE MORTGAGE PRICING IS EXPLAINED, USER FREINDLY AND FULLY DISCLOSED WELL BEFORE THE LOAN IS FUNDED (no surprise windfall for the loan officer) AND I STAND BEHIND MY REVERSE MORTGAGE QUOTES. Call or email me for RELIABLE information on reverse mortgages for individual situations. From what I can tell, if you want or need a reverse mortgage you will be really glad if you do.

— Jim Chubb

Thinking about a REVERSE MORTGAGE or a LOW RATE FIXED MORTGAGE? Don’t let a “so-called expert” overcharge you!!

Call me for my most competitive quotes on REVERSE and FORWARD MORTGAGES. Bring me your best quote and I’ll show you how I can save you both time and money!!

Jim Chubb, Home Loan Consultant Pacific Inland Financial Inc. 475-2600 • jchubb1@gmail.com BRE #00911706, NMLS #360542; BRE #00956877, NMLS #361091

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