Monterey Bay Real Estate and Health Blog for Seniors

The Monterey Bay has a wealth of natural beauty and is sought after by those young and old. Those starting out their careers and those ending their careers, love the areas' weather and variety of leisure and food choices. As a Seniors Real Estate Specialist( SRES) I've been trained in some of the concerns that face those that are nearer to the sunset than their children. In this Monterey Bay Real Estate and Health Blog for Seniors  you'll find articles about events and going on here in the Monterey Bay from Carmel to Santa Cruz. Real estate articles, event article and things about our health that can be of importance to people of any age. So you'll find Monterey real estate articles, things to do on Carmel homes for sale for getting the best price to, considerations on a Pacific Grove condominium and if condominiums are the right home style for you.


July 9, 2017

How an SRES Real Estate Broker Can Help With Aging In Place

seniors real estate specialist in santa cruz caWhether it is you or a loved one, transitions can be difficult, especially if those transitions are part of the aging process. Having knowledgeable people on your team can make the that transition easier. For seniors who want to age in place, working with a real estate agent who specializes in the concerns of senior clients can be a plus. A senior real estate specialist or SRES is an important team player when determining how you will spend your golden years. They receive training about the resources available to senior clients and have a well-developed sensitivity to those clients' concerns. 

Aging in Place

Aging in place is a choice made by responsible adults about how they want to spend their retirement years. It is a plan to put as little burden as possible on loved ones and the community as these adults age. This plan includes decisions about how you want to live, which services you think you will need, and how you want decisions made about things like health care, finances, and how you want your home to be set up. In the event that these plans may include moving into a new place that may better accommodate your changing needs, you should contact an SRES. Aging in place can begin with a review of your current home and how it can be better suited to your changing mobility.

Seniors Real Estate Specialist

A Senior Real Estate Specialist ( SRES) is someone who has had training and experience in the specialized needs of senior clients. For example selling a home that one has lived in for a long time-- perhaps raised a family in-- can be an emotionally charged process. A Seniors Real Estate Specialist understands that, and knows how to proceed with tact and compassion. 

Your SRES is likely to have contact with other services and resources that cater to senior clients, such as senior moving services, businesses, attorneys, landscapers, hospitals and home health aide services. They will also be familiar with the ins and outs of senior financing options including social security and reverse mortgages. 

Housing Options For Seniors

Your SRES will be familiar with the housing options available to seniors and be able to give you insights into the pros and cons of each. Each community has housing that is designed for those who are approaching the sunset.

Single Family Homes

single family home for seniorsA senior who wishes to age in place can stay in a traditional single family home and maintain their independence. There are also communities specifically set up for people who are 55 years and older. These communities for active, mature adults generally offer condominiums, or apartments with as little worry as possible about maintenance. Grounds are kept by a staff and the community offers amenities specifically geared toward seniors. These are a great option for senior adults who do not require intense medical assistance or need supervision.

Living With a Family Member

Sometimes the best option is to live with a family member. For the family member—often an adult child-- this might mean getting their home renovated to accommodate their elderly companion or even finding a new home. Sometimes just offer their loved one a bedroom is sufficient. For elderly family members who wish to remain as independent as possible, however, an attached apartment or mother-in-law suite with a separate entrance may be a better solution. The important part is having family nearby to help with their changing needs and provide companionship.

Assisted Living Communities

Assisted living communities are great for adults who are still capable of independence but may need additional help with things like cleaning or household chores. Generally this is apartment-style living that offers levels of assistance which can include meals provided in communal dining areas, planned activities and even nursing and personal care.

Care For Alzheimer's and Dementia

dementia signsNot every community will have the appropriate facilities to assist residents with declining memory. If your loved one needs memory care, you will need to seek out a facility that offers those services. A community designed to provide memory care can not only keep residents safe but can help to ensure their quality of life. Care can include things like a closed unit to prevent residents from wandering away and getting lost or hurt. They can receive greater levels of direct personal care as their needs change. It can also provide activities planned for people with their specific needs. These residents also find great benefit in socializing with others on their cognitive level. 

For retirees developing a plan for ever changing needs may include finding a home that will meet those needs. Dealing with the possibility of leaving a home where there is comfort and familiarity as well as a lifetime of memories can be challenging. Finding a real estate agent that specializes in the concerns and requirements of these clients and adding that agent to your team can be one of the best things you can do to mitigate some of the stress associated with change. If you are looking for a real estate agent to be a part of your transition team seek out one with SRES training.

June 25, 2017

Townhome or Condominium Living - Is it For You?

Carmel Townhome or Condominium Living 

When shopping for a new home, one of the biggest decisions involves choosing the type, after your location decision. If you’re considering a condominium or townhome, here is what you need to know to help you decide if either will be a proper fit.

Definition of a Condo

A condominium, generally referred to as a condo, and is similar to an apartment: It is one unit in a building that has multiple dwellings. The difference is that you own a condo but rent an apartment. However, a condo is usually confined to one level. Normally they will have one or two balcony's.

Condo Advantages

One of the biggest advantages of moving into a condo is that you won’t have to worry about any exterior repairs or maintenance issues because they will be handled by the association. Depending on the condo, you can also save on utility bills. That’s because the association often covers part of them. Many also come with amenities such as fitness centers and security services. Some Carmel condominiums for sale include cable TV, water and garbage include in the HOA fee. Because the cost of the land is divided amongst the units a developer can often have a superior location available at an attractive price. A Carmel condominium with an ocean view comes at a considerably better price than that of a home.

Having the exterior maintenance taken care of makes a condo ideal for people who have busy lives and don’t have time to spend on upkeep. Additionally, people of a mature age, and those with health conditions, often choose condos because they don’t have to worry about the physical effort it takes to deal with repairs and maintenance. However, active people enjoy Carmel condo living as well because they can take advantage of on-site fitness centers. Additionally, the potential security factor holds appeal for single adults, families with children, and Carmel seniors alike. Many complexes will have elevators when they're over 2 levels. Some Carmel condominiums have secure gated entrances, while others, have secure doors that require a key or card to enter. Others have their garages attached or secured parking so you can enter your home or condominium building securely.

Condo Disadvantages

Condo living can come with compromises in privacy. You might have to listen to noise that travels through ceilings, floor and walls. How distracting this might be, and how much sound you’ll have to deal with, depends on the luck of the draw and how considerate your neighbors are. Recreational space is limited. If you do get yard space, you will have to share it. Parking can be difficult, unless the building has designated spaces or a communal garage. There are with most complexes an allowance for pets, so size and number can be factor in your decision. Unfortunately barking dogs are a nuisance whether you own a home or condominium, or townhome in Carmel.

Definition of a Townhome

The terms townhome and townhouse refer to the same type of dwelling. They're often used interchangeably with the term condo. While they both offer the same type of lifestyle, there are some differences. Townhomes are connected to each other and form a row. A townhouse has multiple levels while a condo has one. Since condos aren’t always ground floor units, they usually don’t come with yard space while a townhome usually has a small backyard or patio, small front lawn, or both.

Townhomes come with most of the same advantages and disadvantages that condos have, especially in regards to privacy and maintenance. They do offer some other benefits and challenges.

Townhome Advantages

Because townhomes are attached to each other, townhouses are more like a home and give one a bit more privacy in my opinion. No one will be above you. Maintenance costs are generally covered by home owners associations. Since townhomes generally cost less than single-family homes, you can get the space and multi-level lifestyle of a single-family residence without the price tag. Townhomes have the benefit of living like a traditional multi-story home, but without the maintenance of a single family home.

Townhome Disadvantages

Buyers with an imaginative eye who picture themselves tearing down walls and wanting to add or change windows and door sizes or locations, can find townhome living too restrictive because they are usually part of a planned living development. This means that all renovations need approval from the home owners association. You won’t even be able to change exterior paint colors without prior consent. These developments can be called "PUD's, or planned unit developments or PD's planned developments. Vertical living and numerous stairs might present problems for people with health issues. You will likely need board approval for the type of windows or features that will be visible from the outside. You may have to pay for some of the exterior upkeep such as decks, or an enclosed backyard.

When evaluating your personal preferences between a condo, townhouse or single-family home, consider financing and resale aspects as well. While townhomes are generally more affordable than single-family residences, their resale value can lag behind too in certain markets. Additionally, it can be more difficult to secure financing for townhouses and condominiums because of banking regulations in regards to occupancy rates. On the other hand, these factors can work in your favor, especially when bargaining with sellers.

Carmel California townhomes for sale come in a wide range of styles. What I find most often are the considerations for people buying a townhome in Carmel come down to location, price and whether they want to deal with a HOA. Often times we Americans like to make our choices and not be ruled over. So for many the decision is that they don't want to deal with an HOA, but have to balance their budget reality with the location they choose. Contact us regarding the Carmel condominiums and townhomes for sale and where you'd like to be.

Carmel condominiums tend to be in a few areas, let us know the type of location you prefer and we'll see what's available. Happy condominium shopping in the Monterey Bay area !
May 25, 2017

How To Make Your Home Safe And Secure For Your Senior Years

29798 Highway 1, Carmel, CA 93923As people age, it's important for them to do all that they can to make their golden years healthy and happy. While there are many steps that should be taken to realize this objective, preparing the home for one's senior years is incredibly important. This is the case for many reasons, including the fact that the home preparation process can decrease the likelihood of accidents and injuries. Luckily, preparing your home for your senior years can be relatively simple. Use the information and instructions outlined below to complete the process quickly and correctly:

1. Move Downstairs

One of the best ways to increase your level of safety within the home is by moving downstairs. Maintaining a bedroom upstairs is a recipe for disaster. This is the case because living upstairs will require that you travel up and down the stairs throughout the day. Doing so will increase the likelihood of unwanted trips and falls. Another issue with living upstairs is that doing so can make it more difficult for you to leave the home in the event of an emergency. An alternative to moving downstairs is relocating to a single level home. If you're considering this option, note that you can purchase Camel homes for sale that conform to your requirements for safe, secure living.

2. Use Proper Lighting

In addition to moving downstairs, make sure that you use proper lighting. Poorly lit regions of the home will make it difficult for you to move freely. Also note that without proper lighting, you're more susceptible to trips and falls that result from not seeing objects that may be in your path as you walk from one room to another. As you optimize the lighting in your home, make sure that you pay special attention to keeping your stairs and halls well lit. 

3. Check The Carpet

A leading issue in falls amongst seniors is loss of footing or tripping due to carpet. Within the geriatric care setting, managers carefully examine floor coverings when they complete fall hazard assessments to decrease the senior's susceptibility to stumbling, slipping, or tripping. These assessments need to be completed within your home as well. Specifically, the carpet should be examined to determine whether it is worn or torn. Also consider whether the carpet and other floor coverings bunch up or slide when you walk on them. You may want to have a professional come into the home to complete this assessment. People who purchase Camel homes for sale should note that they can easily update the carpet of their property to optimize safety. As you begin making updates, remember to only purchase carpets, mats, and rugs that feature slip-resistant padding.

4. Make The Bathroom Safer

grab bar in carmel home bathroomSeniors with balance dysfunctions may find themselves relying on a towel bar or wall surface for support while in the bathroom. Yet if your hand slips, this habit could result in a fall. To prevent this from happening, install a grab rail that goes around the perimeter of your bathroom wall. 

Another safety measure you can implement is replacing your tub. These tubs can be dangerous given that you have to step over the edge to get inside. Rather than using the traditional tub, consider the value of replacing the structure with a walk-in shower.

Don't Delay: Start Preparing Your Home Today!

Your senior years should be a time in which you enjoy life to the fullest. To ensure that you can, it's important to make your home as safe as possible. Utilize some or all of the simple strategies outlined above to begin the home optimization process right now. If you want to look at Carmel homes for sale, contact us.

May 20, 2017

Stillwater Cove

stillwater cove in pebble beachIndividuals who have thought about purchasing Ocean view homes in Pebble Beach should know that doing so will grant them access to one of the region's most scenic areas: Stillwater Cove. Filled with numerous attractions and recreational activities, this region will keep you and your family active and alive during vacation season or throughout the entire year should you choose to settle here permanently. 

Beautiful Beaches

public beach at Stillwater CoveOne of the biggest benefits of buying Ocean view homes in Pebble Beach is that doing so situates you near the public beach at Stillwater Cove. The beach extends out below the community's golf course and is filled with beautiful white sand. Individuals who enjoy the active lifestyle can scuba dive when they visit the beach, and touring companies will oftentimes make kayaking tours available. Those who prefer to rest and relax on the beach can sunbathe and take in the beautiful scenery without moving a muscle!

Tourist Attractions

stillwater cove fishing in pebble beachAnother great attribute of Stillwater is that it offers you an incredible view from the pier. When you look to the west, you'll see the strands of kelp and rocky pinnacle that define the Pescadero Rocks. To the right you'll see Pescadero Point as well as the "Castle House." This large pink house is the most famous, expensive home in the Pebble Beach region. As the site for several movies, the House is a wonderful tourist attraction that you can visit to learn more about the entertainment world and how Stillwater has contributed to its evolution. Some other great attractions of Stillwater include the exclusive Beach and Tennis Club and Arrowhead Point.


perch fish in stillwater cove Another great reason to choose the Stillwater region is that the environment is conducive to fishing. In fact, many people enjoy fishing for fin fish when they visit the region. Some of the most common fish include the striped Seaperch and Blackperch. Rockfish show up occasionally, and visitors might also spot a few Lingcod and Cabezon. Some of the other fish one might come across include the flatfish, bat rays, and leopard sharks.


stillwater cove golf course Individuals who love the world of golfing should know that Stillwater is home to the Pebble Beach Golf Course. This is one of the world's most beautiful and famous golf courses, and the 4th hole is located right next to the shoreline. If you're looking to build strong relationships with people in the local area, consider joining the Stillwater Yacht Club. The SYC is a dynamic community of people who enjoy sailing, cooking, gardening, and various other social activities.

Summing It All Up

If you're serious about visiting or settling in a region conducive to healthy, happy living, now is the time to consider Stillwater. Whether you enjoy the active lifestyle or leisurely times on a beautiful beach, this is the ideal setting in which to enjoy yourself. By purchasing Ocean view homes in Pebble Beach now, you can get on the road to living life to the fullest!

ocean view homes pebble beach stillwater cove













Feb. 9, 2017

Mr Trump Meet Mr Trumpi

 Neopalpa donaldtrumpi

Everyone who has ever been elected President of the United States of America hopes to be remembered in through the course of history but the 45th US President will have a truly unique call to fame.

What does an endangered species of moth have in common with the 45th US president? Both possess a truly unique head of hair. 

A Hairy Find

A US evolutionary biologist Dr Vazrick Nazari discovered a new species of Twirler moth which possesses yellowish-white scales on its head which very much resemble the hairstyle that Mr Trump has been best known for over the years. It is because of this very obvious trait that the biologist named this new species “Neopalpa donaldtrumpi”.

The find was rather accidental. Dr Nazari was examining materials borrowed from the Bohart Museum of Entomology at the University of California, Davis. Through careful analysis he concluded that he had discovered a second species of a type of genus of a “twirler” moth.

This particular moth is a tiny thing, with a wing span of only 0.4 inches, and an average body size of about the same. The unique wing patterns as well as the shape of some of the folds within the genital area are what designated this moth as this species. The “hair”, well that is unique unto itself.

The body of the donaldtrumpi moth is off white in color while its wings are brown or gray-brown. The twirler moth is so named because they have a habit of twirling in circles when disturbed. Not all moths move in this way so this characteristic will make it easier to spot them. 

A Cross Border Visitor

Unlike the real Donald Trump this insect does not hail from New York, but instead both species of the twirler moth can be found all the way from Baja California, across the state, and up in to Mexico. So even if you live in a Seaside cottage you won’t have too far to travel to be able to find this lovely wee insect. Even if the new President does succeed in putting up a wall between California and Mexico it will not likely interfere with the moth’s ability to travel between the borders. 

A Lifestyle Causing Endangerment

Preferring to dwell in highly urbanized and populated areas you could combine your sight-seeing/shopping trip with a moth hunt. You might be able to find other individuals equally curious about this newly discovered moth. The more people that become interested the better the chances for survival will be for this endangered moth. Living in the big cities is proving to be dangerous for the insect; their small size combined with fast moving highway traffic probably is contributing to their diminishing numbers.

Dr Nazari named this new species of moth after the 45th President in hopes that it would draw attention and help people remember the insect and its distinct needs. The President is likely to be remembered for all his deeds, so perhaps to his namesake will also be remembered.

We can’t protect the moth from fast moving vehicles on the busy highways of California but there certainly may be other ways that people can help them to thrive. Perhaps, for example, you will have room outdoors at your Seaside cottage where you can seed a garden with plants that will attract the moths, providing them a safe haven to live and breed. This small gesture could help this unique species of insect to flourish and survive long after the presidency of Donald Trump ends. 

Hair to Inspire

And just for the sake of some fun trivia, it seems that although this is the first time any living creature has been directly named after Mr Trump, it seems our Presidents’ hair style has inspired the naming of a very hairy flannel moth caterpillar. Somewhere deep in the Peruvian Amazon is an orange-yellow “Trumpapillar”.

Jan. 15, 2017

Fieldwork Brewing Company Sowing Seeds in Downtown Monterey

fieldwork brewing company The Fieldwork Brewing Company plans to occupy space at 520 Munras Avenue next to Peet's Coffee. This will be a pop-up, satellite location. As per the agreement with the city of Monterey, the beer garden will use non-permanent structures. Reused shipping containers are to be shipped and craned into place. These containers are already being constructed offsite. While this beer garden might become a hit and a second home in Monterey for some, the location I think will be a great walk up spot. 

Flights of beer will be on offer, as well as products packaged for purchase. However, no food offerings will be available. “We’ll share the patio with Peet’s coffee, and there are plenty of food opportunities in that area so people are welcome to bring their own food,” said Barry Braden, co-owner of Fieldworks Brewing Company, in an interview with the Monterey Herald. He also stated that they plan to be children and pet-friendly. 

Construction is slated to begin in February if all goes to plan. Braden said there had been no problems with the city, and all permits are in place. The construction will begin with gas and plumbing line changes due to the repositioning of the fire pit at the location. 

Fieldwork Brewing focuses on "exceptional, honest beer-making," according to their website. The Fieldwork's stable of beers is a wide-ranging offering consisting of IPAs, Pilsners, double IPAs, stouts and some lesser know beer types like their Sushi Beer, a citrus rice lager, or their Country Line, a lemon and sea salt saison. Some of their most popular beers are Saint Thomas, an IPA and Coconut Milk and King Citra, both double IPAs. Recently the brewery has begun to release limited amounts of canned beers available for purchase. 

The Fieldwork Brewery Company beer garden promises to be a welcome addition to Monterey. While some breweries are making their home in Monterey, there are still far fewer than in neighboring Santa Cruz area. 

The Monterey craft beer scene is growing, though. Additions to the existing Cannery Row Brewing Company and Peter B's Brewpub are becoming more popular all the time. Braden says, "We love the city and we think the project is a good fit for us and the area,” said Braden. 

The Fieldwork Brewing Company has a planned April 2017 open date for their pop-up beer garden in downtown Monterey. Fieldwork Brewing was founded in 2014 in Berkeley, California. Plans are also in place to open an additional satellite location in San Mateo in spring 2017. Fieldwork Brewing has a flagship location in Berkeley, as well as an additional Napa and Sacramento locations.

Jan. 11, 2017

Common Interest Developments - Owner to Provide Contact Information to HOA

Requires the owner of a separate interest in a common interest development to annually provide the association with specified written information for the purpose of receiving notices from the association.

1) Requires an owner of a separate interest to, on an annual basis, provide written notice to the association of all of the following:

• The address or addresses to which notices from the association are to be delivered;

• An alternate or secondary address to which notices from the association are to be delivered;

• The name and address of an owner’s legal representative, if any, including any person with power of attorney or other person who can be contacted in the event of the owner’s extended absence from the separate interest; and

• Whether the separate interest is owner-occupied, is rented out, if the parcel is developed but vacant, or if the parcel is undeveloped land. 

2) Requires an association to solicit annual notices of each owner and, at least 30 days prior to making certain required disclosures, enter the data into its books and records.

3) Specifies that if an owner fails to provide the information specified in the above provision, the property address shall be deemed to be the mailing address to which notices are to be delivered.

Posted in Real Estate Focus?
Dec. 15, 2016

Tax Deductions for Your Monterey Real Estate Investment

tax deductionsYour Monterey real estate investment can provide you with a monthly income as well as tax incentives. Learning about all potential deductions on your real estate investment prevents you from paying more in taxes than required.

Mortgage interest is one of your biggest tax deductions, but other types of interest are tax deductible as well. If you take out a loan for improvements to your Monterey real estate investment, or if you use a credit card to purchase goods used in the investment property, you can deduct this interest as well.

original Pasadera Country Club You can deduct the cost of repairs, but you must take that deduction the same year that you incur these costs. Any changes to your real estate investment must meet the standard of being necessary and reasonable for these changes to be repairs, not improvements. You must restore the broken element to the condition it was in before it stopped working. It must not be improved, replaced or upgraded. You can also deduct the costs of preventative maintenance as part of your operating expenses.

Owning a Monterey real estate investment often requires local or long distance travel. These expenses are also tax deductible. You can use the Internal Revenue Service’s standard mileage rate, or you can deduct actual expenses, such as gasoline for your vehicle, meals, hotels and airfare. You must keep proper records for these expenses because auditors closely examine these to ensure that the expenses are actually business deductions and not personal expenses.

tax deductionsIf you hire someone to perform work on your Monterey real estate investment, the amount you pay for the person’s wages are tax deductible. This applies if you hire someone as an employee or as an independent contractor. If you hire an independent contractor, you must obtain their Tax ID number and submit a 1099-MISC form if you paid them over $600. You may deduct the cost of employees’ health insurance if you provide this benefit. If you incur legal fees or use a property management company, these expenses are also tax deductible.

Protect yourself by purchasing in a good insurance policy for your Monterrey real estate investment, and be sure that you have landlord liability coverage in addition to coverage for fires, floods or thefts. The cost of insurance premiums is tax deductible.

Owning a Monterey real estate investment can provide you with many options for tax deductions, but you must know about these deductions to take full advantage of them. If you have questions about what you can count as a deduction, consult with an accountant to protect yourself and your investment.

Dec. 9, 2016

Seaside’s Winter Wonderland at Seaside, CA.

Seaside California   December 9th, 2016 @ 6:00 pm – 9:00 pm

Winter Wonderland at Seaside, CACome on down to Seaside City Hall and visit Santa and have some fun. Located at 440 Harcourt Avenue, off of Hwy 281 between Del Monte Blvd and Fremont Street across from Laguna Grande Park.

Come visit the jolly bearded fellow and make your wish. When you're done, jump in the bouncy house, you can skate around the ice rink. Not up for that, then roll around in a giant Zorb or go to the rock climbing wall and scale the heights.

For the younger one's who aren't so rambunctious, there's a petting zoo, and an arts and crafts area. There are also horse drawn hay rides.

Once Santa is done taking notes of all the gift requests, the tree will be lit to officially start off the holiday season.

Nov. 29, 2016

Carmel Ca Christmas Tree Lighting

Carmel Christmas Tree Lighting

Carmel Devendorf Park Christmas Tree LightingCarmel is having it's Christmas Tree lighting event at Devendorf Park this Friday. The event will have various festivities such as singing from local schools and of course Santa Claus showing up as well. The event will start Friday December 2nd at 3 and finish approximately at 6. Santa will be escorted down the street to the park by the fire department.

Carmel Plaza will serve refreshments between 5- 7 PM and have some holiday music as well as small bites from local merchants such as

Carmel Plaza in Christmas LightingCarmel Coffee and Cocoa Bar. Great to warm up as well as get a bite for dinner.

If you'd love to own a Carmel by the sea home, here are some available properties.Here are some local Carmel restaurants that offer specials as well.