To Downsize or Not to Downsize


Plans to move to an exotic locale in retirement aren’t as common as you might think. In fact, recent studies have shown that most retirees plan to stay put in their current communities once they bid adieu to cubicle life. But that doesn’t mean you have to stay in the same old house … right?

From cutting costs to decreasing needed maintenance (not to mention less time spent cleaning!), downsizing your home definitely has its perks. In our latest blog, we share three questions to answer when deciding if downsizing is right for you. Check it out!

Where do you plan on spending your golden years? Connect with us on social media and let us know!

Should you downsize your home?
Downsizing can be a great way to lower your expenses in retirement, but that doesn’t mean it’s right for everybody. Ask yourself these questions to determine whether it’s in your best interests:

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Is working in retirement the new normal?

Greetings friends!

Retirement has changed over the years. Fewer companies are offering pensions and retiring doesn’t always mean totally leaving the workplace. In fact, a majority of retirees currently working do so because they want to, not because they need the additional income.

Whether you want to stay mentally active, have new challenges or qualify for medical insurance, working in retirement could have numerous advantages. In our latest blog (below) we share three job possibilities worth considering. From retail to real estate, there’s something for everyone!

How do you plan on spending your golden years? Connect with us on social media and let us know!

Considering a second career in retirement? Try these on for size
Are you interested in pursuing a second act in your golden years? Consider a new career path!

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Keith Wenger
(530) 885-4444

Social Media – Who Knew???

I thought that Seniors wouldn’t connect through Social Media…

As many or most of you know, at the beginning of this year I started to put a lot of my efforts into working with Seniors.  I made that decision for both personal and business reasons and I immediately set out and became a certified Seniors Real Estate Specialist through the National Board of Realtors.

I made changes in my website and other marketing approaches, but thought that Social Media wasn’t the right vehicle to use to reach and connect with what I hoped would be my audience.

Boy, was I wrong (again) about that.  I recently was prompted to give SM a try and has it ever worked out great.  I have been posting information and articles about the challenges and opportunities that are going on with Seniors on Facebook, Twitter and LinkedIn and  the response has been wonderful.

What has also been interesting is the number of people contacting me who have aging parents.  I thought I would be working mostly with the Seniors themselves, but the reality is that aging effects an entire family.

Because I am still doing work with my regular clients, I also post up info about the ever changing world of Loans and Real Estate and I have had so many people replying with Thank You’s.

Please connect with me on any of my links and share the information with family, friends and colleagues.  I appreciate your trust and wish you all the best.



Just Keep MOVING!!!

This common sense article sums it all up.  The evidence is indisputable and the excuses are just that!Written by a nurse and wellness coach, this article brings the simple act of moving into the spotlight.  If you are a senior or you are the child of one, you need to read, share and apply this simple strategy for a healthier life.

I know you have heard it before and maybe brushed it off.  It’s a quick and easy read, so take a moment read it and take it to heart…

Warm Regards,


The Benefits of Movement for Seniors
Written by Carol Cummings, BSN, RN, Certified Wellness Coach

Would you take a medicine that offers the following benefits?

  • Lowers blood pressure
  • Controls blood sugar
  • Helps control weight
  • Good for the heart
  • Lowers cholesterol
  • Relieves pain
  • Improves sex
  • Reduces falls
  • Improves memory
  • Enhances your immune system
  • Improves bone strength
  • Helps improve sleep
  • Reduces stress
  • Relieves constipation
  • Good for most medical conditions
  • Slows the aging process
  • Makes you look better
  • Has almost no side effects
  • No insurance hassles
  • Available for FREE!

More than likely your answer is yes. The good news is: there is such a medicine-and it’s called Movement. It really does have all of the benefits listed, and more. It is one of the most important things you can do for yourself to maintain and/or improve health. Most chronic conditions can be helped by moving and research suggests that the aging process can be slowed or even reversed through daily movement!
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Caregiving for Aging Parents

Dear Friends,I recently came across this excellent article on WebMD about caring for aging parents.  Not only does it provide insight into the challenges, it offers some excellent tips and it also shares the upside of caregiving for an aging parent.  Well worth the read…



Role Reversal: Caregiving for Aging Parents

Aging in AmericaThe dynamic of age in America has shifted dramatically over the last 60 to 80 years, experts agree, and its impact on the family is clear.

“There is definitely a changing age structure within families today,” says Neal Cutler, PhD. He is the executive director of the Center on Aging for the Motion Picture and Television Fund in Woodlawn Hills, Calif. “Its cause is simply greater longevity.”

With more Americans living well beyond their 70s, more adult children are now left in a position where they have to be caregivers for their aging parents.

“There’s a greater likelihood today that, as a 55-year-old, you will have surviving parents, than there was say in the 1920s when both parents passed away before you reached the age of 50,” says Cutler, who is also dean of the American Institute of Financial Gerontology. “This means that middle-agers, who are planning for their own older years, also have to think about their parents.”

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What is Rightsizing?

Dear Friends,
I am often asked about this term that I use all the time, so here is what it’s all about…

Rightsizing is about expanding options and defining purposeful new directions.

Now is the time to do what makes US happy. It’s a time to explore our current lifestyle and our opportunities.It may be time to take a new direction or to blaze a completely different path … one with less responsibility and more of what WE want!The old word downsizing is often associated with loss and/or lack. In modern times, loss often refers to jobs (as in “our company needs to downsize”). Downsizing is bad news!  Think of Rightsizing as a promotion.
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Rightsizing Tips

Dear Friends,Here’s an excellent resource for one aspect of rightsizing…de-cluttering!


10 Great Rightsizing Tips

1.  Start with the easy stuff. Eliminate anything that’s broken, damaged, or no longer wanted. Then, go to the out-of-the-way spaces like attics, crawlspaces, and garages. Making progress in “easier” areas will build momentum to go through the harder-to-decide areas.

2.  Ask yourself, “If this disappeared tomorrow would I run out and replace it?” If you wouldn’t miss it or need to replace it, it’s probably not worth keeping.
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