JANUARY 26, 2018
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Is Retirement everything you hoped it would be? By Beth Miller-Rowe
Branch Manager and Reverse Mortgage Specialist • The Reverse Mortgage Group • A Division of American Pacific Mortgage
To some, the answer to this question is a resounding YES! Being in the reverse mortgage business I will tell you that, for many, if not most, the answer is “No, not quite”. Not that it is bad, or desperate or horrible; it just isn’t quite what they envisioned. The reasons are varied. Some of the reasons are happy and some sad, some through poor planning and others through bad luck. Mostly it is because of the 2008 economic debacle, extended longevity, and increasing costs of everything from groceries to gasoline, from car insurance to PG&E, and everything medical! I talk to people every day who are in their retirement years. While they were still working they were looking forward to the big day when they would get to wake up without an alarm clock. One client put it best; she said “I wake up when I wake up and not a minute before.” The vision of retirement included lots of free time, travel, playing golf, hanging with the kids and grandkids. The vision never included having to pinch pennies. It never included having to choose between buying Christmas gifts and flying out to visit for Christmas. That’s a crummy choice. We all want to fly out to visit the grandkids with our arms full of presents. Of course there are really great aspects of retirement. You get to get up when you wake up, you get to eat your meals whenever you choose; you get to make plans for your vacations during whatever month or year you choose, and go for as long as you want! There are a lot of wonderful freedoms that you have not enjoyed since you were a kid. You don’t have to ask anyone’s permission to be “off work”. You are free!!
What happened?
the US, and sometimes, in other countries. They use We did everything right. We saved for our retirement Fed Ex and signing services to complete the transaction. years. We may have even paid off our house. We Probably the most important guidance I can give you made sure we were debt free before the big day we got is to work with a local professional who specializes in the gold watch. But somehow the money just doesn’t reverse mortgages only. Someone with whom you can go as far as we thought it would and should. Why? sit down face to face and discuss your vision and what The 2008 – 2010 recession (depression) is a very you hope a reverse mortgage will do for you. A reverse big reason. This national disaster decimated many mortgage is a very specialized and sophisticated people’s retirement funds. Some lost their pensions or product with many nuances that will affect the rest of 401Ks altogether. People had worked for 35, 40, 50 your life. A face to face meeting with a specialist will years of their lives saving toward the day when ‘I can help to ensure a successful long term outcome. You are do all the things I dreamt about doing when I had time’. considering a reverse mortgage with specific goals in mind, work with someone who understands and honors Then overnight life savings were lost. those goals. The good news is that we have come out of those I have 35 years’ experience in the mortgage industry horrible times and property values have come back to a and the last 10 years have been dedicated exclusively great extent. This gives us options. to reverse mortgage clients. I do not offer all types of The other factor that is affecting all of us is the cost mortgages; I specialize in the one that matters to you. of medical care. Insurance premiums alone have If you would like more information please give me a skyrocketed. The policies cover less and out of pocket requirements are higher. As we age we utilize health call. I am very low key. I will sit down at your kitchen care services to a greater degree. Whether it is finally table and review the program, the process, the costs, getting that knee replacement done, or medication for and answer all your questions. I will then leave the your arthritis, or diabetes management, it all cost A LOT package with you so that you can review it, mull it over, and talk it over. If you decide it is right for you then you more than it used to not all that long ago. give me a call and we will move forward. I look forward Then let’s layer on top of that the fact that we are all to hearing from you. living longer. The actuarial tables all say that we are supposed to die at/by a certain age. Most of us are ignoring those tables and living considerably longer Office: 925-969-0380 than expected. I hear it frequently – “I didn’t expect to Cell: 925-381-8264 still be here but here I am”. I always say “that sounds like a really good thing”. Beth@YourReverse.com 3478 Buskirk Ave., Ste. 1000 Of course it is a really good thing and we also need to Pleasant Hill, CA 94523 figure out how to fund these extra years and expenses with less money than we originally thought because of the losses during the recession.
A reverse mortgage may be the answer. You still Wouldn’t it be wonderful if those childlike freedoms came with parents who paid the bills? During retire- own your home, not the bank. Your heirs inherit your ment you get all those fabulous freedoms and you get remaining equity. It is FHA insured. The proceeds are tax-free! And you are not required to make principal all the bills. and interest payments although you can if you choose One of the difficulties we face during our retirement to do so. years is that we are usually on a fixed income. We I am a firm believer in educating myself when making have our Social Security income, our pension income, a big decision. My Dad was a Professor at the University our IRAs, our 401Ks, or 403bs. If we do have these of Michigan for most of his career. He instilled the value “other” retirement funds in our “pool of money” then we do have some flexibility as to how and when we of education, research and analysis from the time we draw funds. But every draw brings up questions about were very little. tax consequences and ‘If I take it now, will there be There are a lot of what I call 1-800-reversemortgage enough later’. places you can contact. They are call centers throughout
BRE: 00950759/01215943 • NMLS: 294774/831612/1850 Licensed by the Dept of Business Oversight under the California Residential Mortgage Lending Act
Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency.
JANUARY 26, 2018
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Key traits of a good financial advisor
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rofessional financial advice can be a valuable asset for people focused on
their futures. Effective financial advisors help their clients navigate the sometimes confusing waters of personal finance, helping them achieve both short- and long-term goals. Advisors can also help people protect their savings, make smart investments and grow their wealth.
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Financial advisors can be assets to people looking to protect their finances. Finding the right one is paramount. advisor hasn’t taken the time to learn about your personal information and immediately begins to recommend a product, that’s a red flag.” ♦♦ Recommendations. Advisors who have a reliable track record likely have clients willing to vouch for them. Ask friends, family or coworkers for recommendations regarding financial advisors.
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♦♦ Humility and an ability to listen. Financial advisors need to be in tune with their clients’ needs, rather than putting their own best interests first. “Investing goes beyond funds,” said Renee Parrett, senior vice president at Wells Fargo Bank. “At the end of the day, it’s all about the relationship you have with your advisor. If a financial
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What defines the right financial advisor depends on the client. Some financial advisors’ strategies may not appeal to all prospective clients, so it’s important to vet financial professionals before trusting them with hard-earned money. The following are a few things to look for when searching for the right professional. ♦♦ Credentials. Consumers may benefit by selecting a person who is just a financial planner, not an accountant or insurance advisor. A financial advisor who is a certified financial planner (CFP) is licensed and regulated and has taken mandatory classes on the various aspects of financial planning.
♦♦ Wealth of experience. An advisor who has many years of experience under their belt has likely worked with clients from all walks of life and clients whose comfort levels regarding risk have run the gamut. That wealth of experience can prove invaluable to clients. “My business partner Treva Black and I feel that an advisor’s longevity in the community is also important,” said David Roche, principal at Apex Securities in Brentwood. “It shows you’re committed and in it for the long haul. We’ve been in the community for almost 30 years, and when you have served the community for that long, you earn and build trust.” ♦♦ Continued learning. Advisors who have memberships in financial associations and continue their education are committed to honing their craft and staying on top of changes in their field. Financial advisors can be assets to people looking to protect their finances. Finding the right one is paramount. “Beware of companies that come in from out of town, take you to dinner and present you with ideas that are too good to be true,” said Roche. “Also watch for bait-and-switch setups.” – Courtesy Metro Creative – Amy Schrader contributed to this story
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JANUARY 26, 2018
Does canceling credit cards help or hurt credit?
C
redit cards offer many advantages such as providing a measure of insurance when
making purchases and enabling an individual to develop a healthy credit score through prompt payment of balances. The experts at Credit Karma say that there is a common belief that closing a creditcard account will always negatively impact one’s credit rating, but that isn’t always the case. Getting the facts about when it can be advantageous to close accounts or keep them open can help consumers maintain strong financial reputations. Utilization ratio Financial gurus at Bankrate.com say closing credit cards can affect the percentage of consumers’ available credit, which may affect their credit ratings. Closing a particularly high-limit card will increase the percentage of used available credit when spread out across the remaining cards, also known as the utilization ratio. A higher percentage of used available credit can negatively affect credit scores. Consumers who currently carry high credit-card balances may be smart to keep existing lines of credit
open or request increases on the credit limits of accounts they intend to keep before closing some current accounts. Annual fees It can be wise to close credit cards with high annual fees if the benefits of the cards are no longer proportionate to the amount spent on the fees. If cards are being held only for perks, it may be possible to find a different card that does not charge an annual fee. Age of credit history Discover indicates that if a consumer must close a credit-card account, they should avoid closing the oldest one. The longer an account has been open, the better it is for a credit score because it establishes a long credit history. According to FICO, the length of consumers’ credit histories account for 15 percent of their credit scores. Fraud or theft In the event a card is stolen or used fraudulently, consumers may opt to close the account so no other purchases can be made. However, creditors also work around this by keeping accounts open and simply issuing a new card number. Closing a credit-card account has its advantages and disadvantages. Consumers should investigate the risks before closing a given account. – Courtesy Metro Creative
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All Phase Brokers – investing in real estate
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t the start of the new year, many people set goals for buying a home in 2018.
Whether you have perfect or less-thanperfect credit, are a first-time homebuyer or already own one or multiple properties and are looking to expand your real-estate investments, All Phase Brokers, East County real-estate experts, can help turn your dream into a reality. The brokerage firm, which has served the community for nearly 30 years, is anything other than what you’d expect. Their team’s unique experience and skill sets differentiate them from their peers as they strive to help clients achieve their goals and avoid any hurdles along the way and are also known to process loans at close to lightening speed. “We create a completely different experience than what people are used to,” said Jim Graydon, broker and owner of All Phase Brokers, who has been in real estate for over 20 years. From 1998 to 2000, Graydon worked at two San Ramon-based mortgage companies. It was there he recognized how difficult it was to properly serve clients when the processor was overloaded with 25 other loan agents that were originating five to 10 transactions per month, which means one processor could potentially be working on over 100 loan transactions! Going to a large bank poses the same problem. A clerk takes the loan application, then it gets sent electronically to a processing center out of state; much of the time the loan is sent to several teams before it is even seen by an underwriter. That could be a week or two and by that time they find out there is a missing document or missing step to the process that further delays the transaction. In May of 2000, Graydon joined forces with his father under his brokerage to expand the company in adding mortgage lending. They put together teams to complete tasks that worked well and in a few years had over 35 agents. Graydon discovered that it was preferable to build a team with fewer agents so that his clients could receive better service. His solution was to create a small brokerage firm with an expert staff, allowing them
Jim Graydon, broker and owner of All Phase Brokers, brings a unique combination of experience, expertise and commitment to all of his East County clients.
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to service their clients in extraordinary ways. “We’re a small team that handles every type of real-estate transaction and every type of loan,” said Graydon. “Since we are a small team, we serve fewer clients, which allows us to get loans done incredibly fast and use our experience and insight to identify pitfalls before they happen and prepare our clients for any situation.” According to Graydon, his clients can call him 24 hours a day, seven days a week. “I’ll do whatever it takes to make sure a loan closes on time,” said Graydon. “I’m not just an agent, I’m also a broker and owner, and there’s a huge advantage to working with someone with so much experience. I’ve overseen thousands of real-estate and loan transactions and have seen everything that can go wrong. I know what to look out for, what not to do and how to prepare my clients.” “We can close a purchase loan in 14 days and have done a refinance from start to finish in five days,” said Graydon. “I don’t know anyone who does what we do.” Graydon’s team includes Mark Evans, operations manager, who is involved in all phases of the operation and Elaine Locke, loan processor, who has been in the mortgage industry for over 20 years and only services loans for All Phase Brokers. Jim’s
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Dad a 41-year-old veteran in the real-estate field continues working with All Phase in a consulting and supporting role. For people who are looking to buy a home, Graydon has advice and insight into the market. “The current housing market has low inventory and property values have been rising, which means if you’re selling a home, you can expect to make a higher net profit and expect your home to sell quickly,” said Graydon. “If it’s priced right you can be under
contract in seven to 14 days.” Buying a home in a competitive market can be a little trickier. “If you’re buying a home, you should start by looking at your finances and find out what you qualify for and what you can truly afford,” said Graydon. For those struggling with credit issues, Graydon offers assistance with getting back on track, regardless of whether it takes a few months or a year. Those who have already worked with Graydon’s team have appreciated the ease and speed of the experience. “His team is fantastic, and I’d have him handle any and all of my real-estate transactions for the rest of my life,” said Jay Oxendine, who used All Phase Brokers to handle the sale of his father’s home in Brentwood. “All Phase Brokers were highly recommended from a friend in the business, and they stepped up and performed at the highest level.” All Phase Brokers is located in Brentwood. For more information, visit www. allphasebrokers.com or call 925-584-9886. Bre#1236065/NMLS#995241 – Advertorial
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Live comfortably on less
M
any people look toward retirement with mixed feelings.
There is the anticipation and excitement of no longer having to stick to a set schedule. However, there may be some trepidation about living without a steady income. Bloomberg financial experts found the number of Americans aged 65 and older without a disability that weren’t in the labor force rose to 800,000 in the fourth quarter of 2016. This has become a long-standing trend of baby boomers leaving the workforce and entering retirement. Yet, a Statistics Canada study of people between the ages 60 and 64 who had left long-term employment found 43 percent of them were working again, most within a year of leaving their job. Although boredom may have compelled many of those people to re-enter the workforce, some may have started working again to make ends meet. Researchers found the higher the earnings in one’s late 40s, the more likely a retiree is to go back to work. While retirees may need to alter their spending habits, it is possible to live happily on less. Here are some ways to do just that. ♦♦ Accurately assess home expenses. The National Foundation for Credit Counseling indicates the cost of home-related expenses accounts for roughly 45 percent of spending for retirees. Individuals can add up exactly how much their homes are costing them and then decide
if downsizing is a practical solution. Downsizing has a host of benefits, not the least of which is reducing housing-related expenses. ♦♦ Invest in health care. Unexpected health-care costs can quickly deplete individuals’ finances. That’s why it is essential to have a solid insurance plan in place. Health-care planning also may include thinking ahead to long-term care, such as assisted living and nursing homes. One may have to make concessions elsewhere, but investing in health care can assuage concerns seniors might have about the cost of living in their golden years. ♦♦ Use alternative transportation. Cars can be expensive. A budget-friendly alternative to driving is to use public transportation or transportation services provided to seniors free or for nominal fees. ♦♦ Take advantage of senior discounts. Many restaurants, stores and service centers offer discounts to seniors. The starting age for discounts may vary from store to store, so always ask before cashing out. ♦♦ Shop for food differently. Bulk buys may have been appropriate for men and women when there were kids running around, but emptynesters can cut back on food expenses. Shopping sales and making more meals at home can help seniors save money. The market research firm NPD Group found that in-home meals cost roughly one-third of what it costs to eat the same food at a restaurant. Save dining out for special occasions. Retirees can make changes to save money without negatively affecting their quality of life. – Courtesy Metro Creative
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While retirees may need to alter their spending habits, it is possible to live happily on less.
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Protect your devices from hackers
I
The most common passwords of 2016 included “123456,” “qwerty” and even “password.”
n an increasingly digital world, consumers share their confidential information in
many ways. From online shopping to online banking, consumers’ personal information is being recorded in a number of different places. It is because of this that 15.4 million U.S. consumers were victims of identity theft or fraud in 2016 – a 16 percent increase from the previous year. With the risk of a security breach increasing, it is critical that consumers protect their digital data in all forms. Here are four ways you can secure your information: 1. Use a strong password According to Keeper, a password management and digital vault software provider, the most common passwords of 2016 included “123456,” “qwerty” and even “password.” The recipe for a bulletproof password is to combine upper and lowercase letters with symbols and numbers. To make things easier, you can also use a password generator to help you come up with strong passwords over and over. 2. Add a second level of security. While a strong password is essential, it is important to use other forms of authentication, such as fingerprint to unlock devices and verification codes via
email or text. This additional step will create more challenges for those who may want to steal your data. 3. Encrypt all digital information. With a projected 12.1 billion laptops and portable devices in use by 2018, fraudsters have more opportunities than ever to steal data. Encrypting your information acts as a backup should you lose your device, making it virtually impossible for thieves to glean anything of value. 4. Destroy your old hard drives. Storing old hard drives and other forms of e-media greatly increases your risk of being victimized by fraud. Throwing them away, smashing them with a hammer or re-formatting and deleting files doesn’t effectively remove your confidential data. Hard drives must be securely destroyed by a trusted third party like Shred-it, who will give you peace of mind knowing that your data will not fall into the wrong hands. – Courtesy Metro Creative
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By Michael J. Amthor, Esq.
DO YOU HAVE A POWER OF ATTORNEY? We commonly think dementia and other medical issues that affect our ability to make financial and healthcare decisions only effect the elderly. Many people put it off for another day. The reality is, at any time, we can be affected by a medical condition preventing us from being able to make these types of decisions. It could be early onset of Alzheimer’s or simply a car accident that causes trauma to our brain. The point is, you just don’t know when the need will arise. And, if you do not already have a power of attorney when the need arises, it’s too late. The time to act is now, while you are clear headed enough to consider the financial and healthcare decisions to be made. Talk to your family and discuss your wishes and concerns. You should certainly talk with the person you want to make those decisions for you, so they are clear about your desires, concerns and wishes. It’s a hard enough job, often made harder if your agent has no idea of your wishes and what’s important to you. It is critical to have these documents prepared by a professional, who can help you
in deciding what to include and make sure they are prepared correctly. The documents include a power of attorney for financial affairs and an advance healthcare directive for healthcare decision. Do not rely on online forms or those provided by a healthcare provider. Without the advice of an attorney, you can make serious mistakes in filling out these forms. Just because it’s easy or convenient does not mean it’s correct. Most healthcare directives from healthcare providers are limited and rarely address decisions made at other healthcare facilities or by other medical professionals. Finally, these documents can save family relationships and avoid conflict, because the issue of who is in charge and what decisions should be made has already been determined in writing by the most important person in the equation – you. If you have questions on this or any other estate planning topic, call me at (925) 516-4888. East County Family Law Group, 1120 Second Street, Brentwood www.eastcountyfamilylaw.com
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COMMERCIAL & RESIDENTIAL NEW CONSTRUCTION • SERVICE & REPAIR WATER CONDITIONING • REVERSE OSMOSIS UNITS & MORE
STAMPED CONCRETE • DESERT DECK • COLOR CONCRETE • BLOCK WALLS • PAVERS
State Contractor's Lic. #792474
925 754-2730
www.dependablecarpetcleaning.net
www.fertadoheatandair.com
F&F PRO PAINTING • Residential & Commercial • Interior & Exterior • Unbeatable Prices!
American Plumbing Clean • Courteous • Dependable
FAST 24 HOUR SERVICE
Call for a FREE Estimate!
COMPLETE HOME REPAIRS WATER HEATERS • FAUCETS • LEAK DETECTION GARBAGE DISPOSALS • TOILETS REPIPES • DRAIN CLEANING • HYDRO JETTING DRAIN & SEWER CLEANING • GAS LINES
Direct (925) 238-4545 Office (925) 470-9544 Owners: Francisco & Fatima Salazar • Lic #032657
925-516-2101
Email: Franciscosm83@outlook.es
LIC.#418845
LAST SPOT $59.99
FOR AS LOW AS
Reach Bwd - Oak - D.B. Call Today 634-1441
www.AMPLUMB.com
DECK OR DOCK IN DISTRESS? • • • •
Decks Docks Fences Shade Structures
G & S Construction Mike Graves – owner Lic #1009991 A.B.
• Kitchen & Bath Remodels • Additions • All Phases of Construction
925-679-2264
Mikegraves66@gmail.com