Boomers and Beyond at the Beach...in Delaware. by Kathy and Bill

Age-Restricted for you or not?

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Boomers planning to relocate have some big decisions to make. What kind of community do they want to live in and where? There’s lots written about active adult communities and you get the idea that everyone has worked their entire life to move to one of these communities designed for the perfect retirement. But ask yourself what it is you really want and what you’re willing to pay for -

  • Age restricted (55+) or not
  • Clubhouse
  • Fitness Center
  • Pools
  • Golf
  • Game rooms and more

If you don’t belong to a Fitness Center now, will you really use it when you move? How about the indoor pool? Is golf your passion? How about tennis? What does active really mean to you?

Adults DancingIn an age-restricted or 55+ active adult community, you’ll meet people in your own age group with similar backgrounds. With a ready group of new friends you’ll always have people to get together with, travel with and throw parties.

I’ve often thought that these communities look to reward us for working hard, giving us that chance to finally live that country club lifestyle we never had time for while we were raising families and working 24/7.

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Categories: Active Adult Communities, Baby Boomers, Buyers, Retirement

Universal Design doesn’t have to scream “Old People Live Here!”

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Five years ago, the White House Conference on Aging was held, as were state conferences and mini-conferences that were sponsored by various organizations like the National Association of Home Builders and AARP. This only happens every 10 years and the focus of this decade’s conference was on Boomers.

The sheer magnitude of the numbers had government agencies in a near panic.

  • 78 Million Baby Boomers began turning 60 in the year 2006!
  • 10,000 Boomers turn 55 every day.
  • A Boomer turns 50 every 7 seconds.

Stats are still flying and everyone is trying to figure out what Boomers will really be like as we age.

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Categories: Baby Boomers, Buyers, Universal Design

Will your new home age as well as you will?

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Every home purchase today usually involves a “Home Inspection”. Before going to settlement, it’s a good idea to make sure that the home is in good operating condition and that it will stay that way for a reasonable period of time.

As more and more Boomers enter their 60s, another type of home inspection is highly recommended. This inspection will evaluate every aspect of the home, inside and outside, to determine how well the home will accommodate your needs as long as you live there. By now, most people understand the value of a first floor master bedroom and bath and some even consider the option of total first floor living. Beyond that, most of us have no idea what belongs on our checklist.

AARP and the National Association of Home Builders (NAHB) came to this realization several years ago. The Remodelers™ Council  in collaboration with the NAHB Research Center,  and AARP developed the Certified Aging-In-Place Specialist (CAPS) program to address the growing number of consumers that have a strong desire to remain independent and to live in their own homes regardless of age.

CAPS

What does this have to do with the purchase of a new home? Making sure a home will be able to accommodate you in the future is up to you. A CAPS professional is trained to help you evaluate a home and make specific recommendations for improving the home’s livability. For about the same cost as that of a traditional home inspection, the CAPS evaluation will focus on areas of the home that may require modification to remain livable as you age.

New construction is popular with the relocating Boomer who doesn’t want to bother with updating an older home. Many new homes being built today, however, would not rate high on the “livability” scale. Some popular floor plans do have more open space in the main living areas, but they often fail when it comes to bathroom design, width of doorways and number of steps.

When you consider that even a new home will require some modification to age along with you, it makes sense to look at existing homes that may need some work but that are in desirable areas. For example, you might be able to buy a home that needs updating close to town. In addition to location, this option will allow you to remodel a home to your exact taste. An older home may be better built and there is little difference between ripping out and replacing an old bathroom or a new one that just doesn’t meet your needs.

Imagine that you have just purchased a new home – your dream house with expensive upgrades. Then imagine that you or your spouse has an accident that puts you in a wheelchair for the next 6 months. When you arrive home from the hospital, it hits you – you cannot get into the house. Even worse, you realize you cannot access the bathroom!

If you bought a home 40 years ago there was no such thing as a home inspection. Today, no one would think of purchasing a home without one. CAPS professionals believe that the same will be true of a CAPS Evaluation in the future. In Delaware, Bill Bell of Gotcha Covered! has been CAPS certified since 2003.

Don’t put off till tomorrow what you can plan for today. Add a CAPS Evaluation to your new home purchase checklist. To learn more about what a CAPS Professional can do for you and to locate one in your area, visit this page of the National Association of Home Builders web site.  

Categories: Baby Boomers, Buyers, Delaware, Real Estate, Universal Design

Boomers living longer

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Baby Boomers are one hot media topic these days. In one publication you read that we Boomers are different than our parents’ generation – and then another story concludes we may approach things differently but, in the end, we are about the same.

But some facts are indisputable. We are all living longer and our parents are likely, at some point, to need our help. Let’s assume that our children have been educated, are gainfully employed, and can pay their own expenses. Now let’s focus on the “Open-Faced Sandwich” scenario in which we, as Boomers, have only to worry about caring for a parent or other older relative.

For Boomers who have grown up here with parents living nearby, the first step is to have a plan. While everyone is in good health, have your parents talk about their plans for the future and how they would like to live as they age. Some options to consider include:

  1. CCRC – Are your parents interested in moving into a Continuing Care Retirement Community (CCRC)? There are now several to choose from in our area. A CCRC is defined as “a residential community for the remainder of one’s life, with a choice of services and living situations. Residents can move between Independent Living, Assisted Living, and Nursing Home Care based on changing needs at each point in time”.  Cadbury at Lewes is a local CCRC.
  2. Stay where they are – Are they determined to remain independent in their own home? If yes, can that home age well with them and be accessible if one or both parents become temporarily or permanently impaired? Now is the time to begin planning and making some modifications so that at least one entrance will be barrier free and one bedroom and one bathroom are on the first floor. Sometimes fairly simple modifications will allow your parents to “Age in Place”.
  3. Move in with you – At some point, will one or both parents be moving into your home? How will that affect your life and that of the rest of your family? Do you have the room or will you have to consider buying a new home with multiple living areas?
  4. In-law Suite or Granny Flat – At least in Sussex County, there are very few homes that include a totally separate suite and even fewer that are zoned properly to allow a Granny Flat to be built. Ellendale is one town that does allow the construction of an accessory dwelling on your property as long as you live in either the primary residence or the Granny Flat. Maybe it’s time for more cities and towns to add this provision just as many other parts of the country already have.

If your parents live thousands of miles away, all of the choices above become even more challenging. You may be perfectly willing to care for your aging parents but you’re not willing to move to do so. Maybe you just retired and finally moved to your dream home at the beach or into that new Active Adult Community. What will you do if your parents refuse to move closer to you? Thinking and talking about these issues with aging parents before decisions become urgent can save everyone a lot of unhappiness over the long haul.

Boomers will live long past the historic retirement age and so will our parents. The question is how will we live and take care of those who took care of us.

Categories: Baby Boomers, Delaware, Retirement, Universal Design

Are Boomers prepared for the next move?

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As you plan for retirement or semi-retirement, what’s your next move? Will it be within the same town or will you move to another state or country? Will your home be in town or in a community? Will you live in a house or in a condo? There are so many choices!

Some of the choices depend on where you live or where you want to live, and some reflect the current trends in marketing to this growing population. What’s the difference between an “Active Adult Community” and a “55 and Better Community” or an “Age Qualified Adult Community”? What happened to Retirement Communities? When should you consider a Continuing Care Retirement Community (CCRC)?

Several years ago we visited two different Active Adult Communities in Florida, one with other members of the Seniors Real Estate Advisory Committee and one to visit friends and play a little golf. It was a tough assignment, but someone has to do it! We drove and drove, and twenty miles South of Disney World we finally came to an oasis, a relatively new Active Adult Community with golf, fitness, classes and a hometown atmosphere. Lifestyle is the buzzword to describe living in an Active Adult Retirement Community and they were then selling homes as quickly as they could build them.

My husband and I visited friends for several days at a much larger, more mature community about an hour North of Disney World that was expected to become home to at least 100,000 residents. Golf is the game with a wide variety of Executive Courses that residents can play for free at any time, and several excellent championship courses that are available to residents for a nominal charge.

When we toured the model homes at both communities, however, we were surprised to find that none of the homes included the Universal Design features we had expected to see. The doorways were still a narrow 30” or 32”. Bathrooms were still being designed with narrow shower entrances and curbs.

We had truly expected to see some great ideas we could bring home, some innovative designs and concepts in housing designed for the aging population. Just because a home is single level does not make it truly accessible. As Active Adults become less agile, many will have to engage in substantial home modification or be prepared to sell to the next generation of retired golfers and tennis players.

Developers of these Active Adult Communities pointed to extensive research indicating they are providing what the market is demanding. But did they ask the right questions and offer the right choices? Did they ask prospective buyers if they would like a house they could live in as long as they so desired? Ask most Baby Boomers if they ever plan to move into Assisted Living and hear the resounding “No!”

Active Adult Communities are really being designed for Active Adults only. If you are the kind of person who wants to move at retirement and stay in that home forever, is this your best choice? All over the country, developers are building new Active Adult Communities targeted to the current wave of retirees – the Baby Boomers! In Delaware we’ll never see communities the size of The Villages, but we are starting to see a variety of housing options all designed for the leading edge of Boomers who are already over 60!

When you are ready to begin evaluating your options and planning your next move, start by visiting www.seniorsrealestate.com to locate a Seniors Real Estate Specialist.

Categories: Baby Boomers, Retirement, Universal Design

America’s Top Places for Boomers to Retire

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For people living in the area between Southern New Jersey and Washington DC, a popular weekend and retirement destination lies near the Delaware shore. A three-hour drive from both Philadelphia and Washington DC, the Rehoboth Beach area has been a magnet for retirees over the past several years and Delaware expects the 65+ population to increase by 75 percent over the next 25 years. Read more at CNBC.com

It’s not just Rehoboth Beach, but all of Coastal Delaware that is becoming one of the top places for Boomers to retire.

Categories: Baby Boomers, Rehoboth Beach, Retirement

Tom Brokaw Reports: Boomer$!

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CNBC will premiere a 2 hour documentary, “TOM BROKAW REPORTS: BOOMER$!” on Thursday, March 4th at 9pm. The show will repeat at 12 midnight.

“TOM BROKAW REPORTS: BOOMER$!”

In a landmark two-hour documentary, Tom Brokaw tells the story of history’s wealthiest and most influential generation. From hula hoops to civil rights, in war and politics, Brokaw chronicles the extraordinary impact 78 million baby boomers have had on American society over the past six decades, and explores the challenges they face as they begin to approach the age of retirement.

The documentary will also air on the following dates:

Saturday, March 6th at 7pm

Sunday, March 7th at 9pm

Monday, March 8th at 8pm

Categories: Baby Boomers

How Healthy are people in Delaware?

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Sometimes my best ideas for an article come from a client. In my last email newsletter, I referenced a recent study showing the happiness level of the different states – Delaware ranked #22! The surrounding states in the Mid-Atlantic Region were significantly less happy.

One reader sent in a question asking “I’D LIKE TO SEE THE HEALTH % OF BABY BOOMERS. In other words is it healthier to live in Delaware? & why is that?”

Very interesting question, so I started doing some research, online of course, to see what I could find. First, I discovered The 2009 Health Disparities Profiles and looked up Delaware. I was pleased to see in general that “Delaware has moderately low rates of death due to stroke, unintentional injuries, and influenza and pneumonia.” Well, that made me feel better, especially in this year of concern about the flu and H1N1!

The report continued that “Delaware ranks among the states with the best rates of preventive care and health insurance coverage, and is second in the nation in percent of population having had a routine check-up within the past two years.”

I’ll keep looking for more information and I’ll also point you to an earlier post about “retired now what” where I learned that many Boomers take far more interest in their own health and fitness when they do retire and have the time. If anyone has any data please send it my way!

Categories: Baby Boomers, Retirement

You’re here. You’re retired. Now What?

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You’ve dreamed about this day for years. Some days the only thing that kept you going was the thought that one day you would finally be able to retire at the beach. Well here you are, you’re free to do whatever you want and living at the beach in Coastal Delaware. Now what?

I thought I would ask some of my Boomer clients that have recently retired and moved here. Then I started looking through my database to find retirees to interview. Almost all of my clients are Boomers and I was curious to find out how they were adjusting. What I found was just how diverse this Boomer generation is because we all approach “retirement” differently. It’s not your parents’ retirement, to paraphrase an Oldsmobile commercial.

One group that has always gravitated to Coastal Delaware is from the DC Metropolitan area. If they have worked for the Federal government their entire career, the leading edge Boomer can now retire with full benefits. When they leave the Beltway behind and relocate to their dream home at the beach, what is life like?

I asked one client who made the move in 2008. When she first thought about relocating, she told me, she planned to look for another job – a government job. She thought about looking at Dover Air Force Base or perhaps one of the local libraries. That would be a good way to slow down a little and take it from there. Retire? For several years she thought about it; she wasn’t sure she was ready. “When I was really honest”, she told me, “I was ready for a change and I was really was ready to retire. It took 4 months to de-stress and realize just how burned out I was.” I have gotten to know this client quite well and she is not one of those government execs that were content to say “I’m the Director” and leave it at that. She wanted to accomplish something right up to the last minute in office and leave a legacy.

However, she didn’t want to do what she saw so many others do – jump right into volunteer activities or a part time job until she could get acclimated and find a good match. While looking for a meaningful volunteer experience, she decided to join a gym. She met a whole group of other people that had decided to take advantage of this new-found time to get into better shape. We all know that it wasn’t always easy to make time for yourself when your career was at its peak and the kids needed your every available minute. Now that you can make your own priority list it’s okay to put yourself first.

What else has this Type-A executive found time to do in retirement? She is taking a painting class and enjoying it immensely. There hasn’t been time for painting in a very long time and she always wanted to get back to it – now she can and it doesn’t even matter how good she is. She’s reading books that had piled high on the end table.

She and her husband are also exploring their new home state of Delaware. “It’s a beautiful state”, she told me. “Have you seen the Cypress Swamp at Trap Pond State Park? Have you been to Gordon’s Pond?” They have seen more of Coastal Delaware in one year than many locals. Her husband has been taking Spanish classes and recently asked me “Como esta usted?” Will either of them take a new job or decide to volunteer for a particular organization or charity? Perhaps in time, but for now they are both enjoying all the things they never had time for in the past.

I got a similar but slightly different story from another client. He and his wife relocated to Lewes about the same time – late 2008. He didn’t exactly retire, but he changed companies and became more of a consultant than a full-time executive. He’s got the kind of personality that makes friends instantly and he has done the same since moving here.

“Slower Lower Delaware”, he said, “lives up to its name. I take everything a little slower. I was in New Jersey and St Pete, Florida last week and it was good to get back. The fishing is great – I go almost every morning at day break for about an hour or so. I come home, get cleaned up and go to work. I still work (out of my home) but somehow it doesn’t feel like work. The seafood (and food in general) is great here with a lot of choices. The people are friendly. If there is any culture shock and adjustment it is all good. I have never been happier.”

Fishing seems to be one way to slow down and transition from full time career mode to semi-retirement or just a new way of living and working. Maybe that’s what all Boomers will find when they move to Coastal Delaware – a better more balanced life with more time to enjoy the important things. Sounds good to me!

Categories: Baby Boomers, Retirement

Boomer Sandwich

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Remember the “Dagwood”? According to Wikipedia, the Dagwood Sandwich is a tall, multi-layered sandwich made up of a wide variety of meats, cheeses, and condiments. It was named after Dagwood Bumstead, a character in the comic strip Blondie. Dagwood is a good name for the Boomer Sandwich – it’s multi-layered and I bet no two people make it exactly the same way.

The resurgence in multi-generational living is due in large part to the Boomer Sandwich. No two are alike but there are some common ingredients. Take a typical Boomer couple with two sets of aging parents, at least one child and careers approaching the retirement zone. Life is going according to plan and then? Your college educated child can’t find a job and wants to move back home. “It’s just temporary, Mom” he says. Next? One of your parents needs assistance and can no longer live independently in their own home. Now what? How does this Boomer Sandwich affect your decisions about how and where you will live?

Let me tell you about one sandwich I’ll call the “Madeline”. What impresses me most about Madeline is her attitude. We’ve all met the martyr who will bend your ear about how put-upon they are and how wonderful they are for taking care of everyone else. Well, Madeline is no martyr and she has a full plate. First, Madeline and her husband Mark have a teenage child with Cerebral Palsy. They live in a wonderful home in a great neighborhood and they have no intention of moving but the biggest challenge is the steps. From the street, it’s 5 steps to a landing and another 5 steps to the porch. Up another step and you’re in the front door with access to the first floor living room, dining room and kitchen. Not bad if you’re able, but very challenging for Madeline and Dave. Madeline gets Dave into the house in a kind of dance that leaves her exhausted and him chatty. Need to use the bathroom? Dave scoots up the 14 steps backwards to the second floor, site of the only bathroom, but lately he needs some help. Dave is a house walker who gets around with the help of furniture and anything he can grab onto. He uses a wheelchair, sticks or a walker, and none of them go up stairs. Dave is still growing and with every spurt he has to relearn how to do everything.

While they were talking one evening, Mark was online searching for ideas on “home modifications”, “accessibility”, and similar terms and found Gotcha Covered, our remodeling company that specializes in Universal Design. He called Bill to schedule a “Home Evaluation”. Bill uses an evaluation process that includes a systematic review of each aspect of the home and provides a thorough analysis of how to improve the home’s livability. For example, he evaluates exterior and interior doorways, hallways, staircases, kitchen and bathrooms and ends with recommended modifications.

At the first meeting, Mark asked Bill “What can we do around here that will make things easier for Madeline and Dave?” They toured the house together and clearly it was going to be a challenge. Living in town where lot sizes are small and homes are close together, there is only so much room to work with. Inside, the home has wonderful hardwood floors, quality trim and detail, but there is no first floor bathroom and no room for a first floor bedroom.

As they were going over some ideas like putting a bathroom behind the kitchen, the lack of space kept interfering. That space was not even heated, but Bill thought it was worth looking into. The main goal was to eliminate the need to get Dave up and down the steps. Ideally, building an addition that could be completely accessible would be the best solution. That’s when the subject of Mark’s mother came up in the conversation.
Pearl still lived in the home where Mark was raised. Now in her 80s, Pearl was beginning to have difficulty getting around. “What if,” Mark thought out loud, “Pearl were to sell her home, move in with us and help us finance an addition?” Mark continued, “Oh, never mind; she won’t go for it, she won’t want to move.”

By the end of that discussion, all agreed that there was no real room to put a bathroom on first floor. To add a first floor bathroom, we needed a large enough space and that meant an addition. Given the location and the challenges of the lot size, designing and building an addition that was accessible and attractive, functional and comfortable for the whole family was going to be costly.

After Bill left, Mark and Madeline talked to Pearl about their idea and to their surprise she agreed. In fact she was enthusiastic and glad to be part of the solution. With Pearl’s participation, it would now be possible to build a full blown first floor addition. Bill got the call; Mark said “we’re ready to go, Pearl is in”!

Bill sat down at his computer to begin the design while telling me all about what had happened and how the project had gone from interim fixes to a full blown addition utilizing all of the principles of Universal Design that we espouse. While Bill worked, I couldn’t help but marvel at how quickly this family had come to work together and make this project possible. I heard no whining, no martyrdom, no hint of “aren’t I wonderful; see how I take care of my family”. What I did hear was “doing what needs doing” and “OK, let’s get it done”. Maybe Madeline didn’t understand what she was getting into. It’s not just the upheaval associated with a major addition and renovation, but her mother-in-law was going to move in with them and her son would probably be living with them for a long time. Most people would be stressed or playing the martyr; Madeline was just “doing what has to be done”.

This is only one of the stories I hear on a daily basis. I hope to get it all in a book with a chapter for the “Madeline”, the “Maureen” and the “Mac”, all variations on the Boomer Sandwich from some pretty great Boomers.

Categories: Baby Boomers


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