Designations Create Distinctions: A Must-Know Home Buying Resource

If you have been following our newest blog series, Designations Create Distinctions, then you know that the ABR® (Accredited Buyers Representative) designation has been the focus of the last month, given that buyers need the MOST support and HIGHEST levels of expertise & dedication in this market. And you have also likely learned that designations are all about adding value and enhancing service levels. So it should be no surprise that there is a website just for buyers designed by the Real Estate Buyer’s Agent Council of the National Association of REALTORS®, in conjunction with the purpose of the ABR® mission.

While the thought of another real estate website may feel overwhelming – this is one that actually makes things easier rather than presenting information overload. In a streamline, clear and concise format, this resource presents guidance in the 4 key areas that impact buyers the most: Getting Started, Finding & Buying A Home, Loving Information & Finding An Agent.

In addition, concepts such as ‘agency, buyer representation, commission, closing costs, and agreements’ are explored in a manner that is transparent, user-friendly and exceedingly helpful. For example, visitors to the site can view a side-by-side chart of what it means to be a ‘Buyer-Customer’ or ‘Buyer-Client’, and also evaluate the 5 benefits of a Buyer Representation Agreement.

Don’t miss the helpful ‘Home Buyer’s Blog’ which is updated weekly with some of the most relevant and timely data that we have seen among comparable industry publications. Recent topics include: Are You Ready To Buy A Home, What If Your Bathroom Is Seriously Dated & 3 Reasons To Boost Curb Appeal Even If You Aren’t Selling (great stuff, right?!).

If you are a prospective or active home buyer seeking information about the basics and beyond of home ownership – this is definitely a resource to review. From helping you assess readiness to all aspects of the offer and contract – this tool offers strategy, simplicity and suggestions that will serve as anchors on your home buying journey. Check it out!

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Monday Market Update: Why Home Buying Is Taking Even Longer…

buyersYou know how a watched pot seems to never boil?! If you are a prospective homebuyer… chances are you can relate. No matter how many homes you see and how many eyes you have on the prize – the win is going to take even longer than you expect, according to a new survey from the National Association of Home Builders.

With home prices rising faster than income growth and inflation, and sales prices increasing in 92% of the nation’s markets – the issue is two-fold: inventory & affordability. Buyers are not only getting outbid – they are running out of homes they can afford to bid on. Approximately two-thirds of buyers are shopping for a minimum of three months before they enter into contract. In addition, 42% of buyers said that they can’t afford the homes they want.

Many people are looking for builders to bridge the gap between the amount of homes available and the type/size that is in demand; builders are also struggling to produce supply at an attractive price given the cost of lumber, land & labor.

The answer: there is no ONE solution. They say that time heals all wounds, but for buyers with patience – even the wins are coming at a painful price. My best advice is to plan on an unpredictable timeline and keep your current housing situation flexible, stick with your budget no matter how desperate you get and work with someone who can maximize every opportunity that comes your way – and find you others.

Resource Used: Shopping for a home? It will take a lot longer than you think because home prices are overheating

Like they say – when the going gets tough, the tough KEEP going!

(Sellers…. The market is very much still in your favor so please let me know if you’d like to talk about timing, ROI and what all of this means for you!)

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Senior Spotlight: 6 Powerful Ways To Help Seniors Avoid Isolation

senior selfieWe LOVE working within the senior community and educating our followers about ways to improve the quality of life of our aging loved ones. But we know that we can’t do it alone! This week’s blog post comes to you from special guest Anna Kucirkova, as originally published on the Bay Alarm Medical blog. We feel that this topic is of critical importance all year long – and an important reminder with Valentine’s Day just having passed. Thank you Anna for sharing your hard work and guidance with our Senior Spotlight readers!

Republished In Full With Permission

Original Source: 6 Powerful Ways To Help Seniors Avoid Isolation, October 2, 2017

6 Powerful Ways To Help Seniors Avoid Isolation

It’s an unfortunate reality that many seniors find themselves terribly isolated. After a spouse passes away or a debilitating illness hits, it’s common for a senior to be cut off from both friends and family for extended periods of time. Obviously, this isn’t intentional on anyone’s part – it’s simply a disheartening reality.

Isolation is not limited to just a few seniors – it’s a significant, widespread problem. As

Sarah Stevenson writes:

According to the U.S. Census Bureau 11 million, or 28% of people aged 65 and older, lived alone at the time of the census.

As people get older, their likelihood of living alone only increases. Additionally, more and more older adults do not have children, reports the AARP, and that means fewer family members to provide company and care as those adults become seniors.

Additionally, living in isolation cause serious problems for older adults:

Increased risk of death
Mental and physical health problems
Possibility of elder abuse
Long term illness
Depression
High blood pressure
Unhealthy behaviors
And more

It’s a problem that can’t be ignored, but it also presents some significant challenges. If you’re caring for an older adult, how you ensure they receive regular connection with other people? How can they live alone without constantly feeling alone?

Here are 6 simple ways to help older adults feel connected.

Arrange Transportation To and From Social Activities
Perhaps the biggest challenge for many seniors is transportation. As they get older, their eyesight often dims and their reflexes slow. They may voluntarily choose to stop driving or be forced to. And while this may make the roads safer for others, it causes them to keenly feel how alone they are and prevents them from being with friends.

One of the most effective ways you can help the older adult in your life is by making transportation available to them. This can be done in a number of simple ways:

If you live near them, offer to regularly drive them to and from different social functions.
Create a network of friends who are willing to occasionally drive them to events. Schedule this transportation to ensure it happens on a regular basis.
Help them learn the ins and outs of public transportation.
Find out if community or senior centers offer support services.

Lisa Esposito writes:

If you’re concerned that a neighbor – or distant family member – is at risk for isolation, contacting the town’s senior center is a good starting point. Many senior centers have social workers to put it all together by determining people’s needs and plugging into the right resources. States offer a variety of services for seniors. “In Massachusetts, we have aging service access points,” [geriatric worker Carrie] Johnson says. Following an assessment, people are connected to Meals on Wheels, homemaker services (which vary by state but may encompass chores like cleaning, laundry and maintenance), grocery-shopping and other programs. They might need personal care assistants to help with bathing. All these providers add to a person’s support system, Johnson says, “both social and kind of eyes on the ground.”

Given that transportation is one of, if not the biggest challenge, meeting this need alone can go a long way toward solving the isolation issue.

Encourage Attendance At Places Of Worship
While this one will only apply to older adults who are religious, it’s certainly a healthy practice. Given the weekly rhythms of most places of worship, they offer a constant, positive place to find social interaction.

Additionally, many attendees of these places are more than willing to help transport seniors to and from their functions. They see it as a way of caring for those in their midst.

Finally, some churches will have ministries specifically geared toward older adults, including transportation to functions, visits from members, and more. You can help the senior in your life avoid isolation by connecting them to a church, mosque, synagogue, or other place of worship where they’re comfortable.

Encourage Ownership
One of the great challenges of growing older is that you aren’t caring for others as much. When you were younger, you took care of kids or a spouse or house or employees, but as you get older those things tend to fade. The only person depending on you is you.

This can cause older adults to feel unimportant, not needed or wanted, and purposeless. They no longer have anyone depending on them, which can cause them to feel apathetic.

One simple way to help seniors avoid isolation and give them a sense of being needed is to give them a pet. The pet provides companionship and is dependent on the owner for feeding, hygiene, and exercise.

Aging Care notes:

Psychologist Penny B. Donnenfeld, who brings her golden retriever mix Sandee to her New York City office, has even witnessed animals’ ability to rev up elder owners’ memories. “I’ve seen those with memory loss interact and access memories from long ago,” she says. “Having a pet helps the senior focus on something other than physical problems and negative preoccupations about loss or aging.”

Additionally, having a pet can create new social connections. It’s not uncommon for one dog owner to stop and talk to another dog owner, which can sometimes lead to friendship.

By giving an older adult a pet, you can give them have a fresh sense of being needed, which can infuse life and energy back into them.

Help Them Volunteer
One wonderful way to connect isolated seniors with people is to ask them for help. Volunteering allows them to meaningfully contribute to the lives of others, which can give them a renewed sense of purpose and worth.

The volunteering doesn’t need to be complex. Depending on the health of the person, some options include:

Local schools
The local library
The humane society
The local hospital
Religious places of worship
The Girl Scouts/Boy Scouts
If they have a particular skillset, such as accounting or counseling, connect them those who need help in these areas.

There are hundreds of needs that aren’t being met, and older adults can easily fill those gaps.

Encourage Their Health
Fewer things create more isolation than poor health. When an older adult has an ongoing health problem, they’re much less likely to maintain social contact, often because of discomfort. Additionally, hearing and vision loss can make it challenging and even embarrassing for them to interact with others, causing them to stay away.

One simple way to combat this is to encourage their health in as many ways as possible. Regularly check in on them, asking them how they feel and then paying close attention to any symptoms you notice. Ensure they have a way to get to doctor’s appointments and help them get hearing and vision tests.

If they need adaptive technology, such as a walker, hearing aid, or wheelchair, do everything in your power to provide this for them.

Encouraging exercise can also give them enormous benefits. Allison Miller notes:

Research shows multiple benefits of increased physical activity for older adults. A study published in the Archives of Internal Medicine followed older adults’ physical activity longitudinally over 18 years (Stessman, Hammerman-Rozenberg, Cohen, Ein-Mor, & Jacobs, 2009).

The research showed that older adults who exercise not only have an increased life span but also experienced a decrease in falls, fractures, and joint and musculoskeletal pain –
(Stessman et al., 2009). In addition, research shows that balance training decreases fall occurrences (Sherrington et al., 2008). Stessman et al.’s (2009) research also demonstrated that as little as 4 hours per week is as effective as more intensive and time-consuming exercise.

By nurturing their health, you can prevent loneliness.

Stay In Touch With Neighbors
Neighbors can be a helpful safety net for seniors. They can keep an eye out for any unexpected problems, check in on the person, and even help with simple household chores. Additionally, the neighbors can help get the senior involved in the community, which can be especially helpful if you live some distance away.

Connecting the senior with the those around them can put extra eyes on them in case something goes wrong.

Conclusion

Getting older can be difficult, especially if you’re alone. Loneliness and isolation can create health problems, a sense of purposelessness, depression, and a host of other issues. It’s something to be taken seriously.

Thankfully, there are actions that can be taken to ensure the seniors in your life don’t experience those things. These actions don’t need to be complicated or labor intensive. They simply require some thought and intention.

Betty Friedan said, “Aging is not lost youth but a new stage of opportunity and strength.”

We wholeheartedly agree.

Posted in Living Longer, Living Better, Senior Spotlight | Leave a comment

Monday Market Update: Awesome Home Features That Deter Buyers

homeowner dreamsI know what you are thinking as you read this title… “Bobbi, have you had your coffee?”. How in the world can features that are awesome actually make buyers wary of buying my home?! The answer lies in one of the basic rules of life in general: what you love and what you can live with are two VERY different things. Features that look stunning can have major implications for safety, aging and maintenance. Need a few examples… here are 5!

5 Awesome Features To Avoid

As Featured On REALTOR.com : These Awesome Features Might Make Your Home a Tough Sell

#1: The School Next Door. No matter how great of a school district you live in, living next to a school is not often desirable. The sound of the school bells, the crazy carpool lines EVERY morning and the evening and weekend events can add unwanted noise to the comforts of home. When thinking resale, think of buying in a great school district – but not sharing a fence with it.

#2: The Sparkling Pool. Nearly everyone enjoys looking at a sparkling pool – but no one enjoys keeping it that way. Pool maintenance and pool safety are the two reasons why a pool has the poorest return on investment of any home upgrade.

#3: Those HUGE Renovations. Those over-the-top renovations might be your style but are unlikely to be one size fits all. Not only can huge renovations make other parts of your home look updated, they are unlikely to appeal to all buyers. Simple, modern updates are more universal and cost efficient.

#4: That Trendy Staircase. That unique curve or dramatic spiral may look amazing on your stairs – but is going to wreak havoc on the knees of anyone over age 35! When it comes to multi-level homes, think function over form in terms of access for all ages, young and old.

#5: The Tile Floor. Got you there, didn’t I? You are wondering why tile is a turn-off. Think about the demolition cost; tile is one of the most expensive materials to remove in a home (it is labor intensive and heavy!). In a bathroom, it is not a big deal – but if your entire bottom level of 1800 square  feet is tile… buyers may see dollar signs instead of sparkling squares.

Note: I am a huge believer that home should be a source of joy as well as a wise investment! If some of the awesome features above are on your wish list, it does not mean to avoid them at all costs. It just means that you should consider the cost vs. benefit analysis and length of time you plan to be in your home. As long as your expectations are realistic and you are making changes for YOU – there is NO wrong way to pick your next home improvement project.

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Senior Spotlight: 5 Questions To Help You Assess The Costs of Aging In Place

multi-generation

In a perfect world, we could all live in our homes long into our retirement years. In an ideal situation, we would never have to worry about the ongoing costs of home maintenance, the renovations needed to create a safe and efficient ‘lifelong’ home or think about affording in-home assistance as our health changes. But we all know that reality presents more considerations and challenges than we would like, and those real-life concerns can feel overwhelming! Have no fear… 5 simple questions to think about are here. In this week’s blog, we will review 5 simple but strategic questions to help you decide how long it really makes sense (and cents!) to stay in your home. Sometimes the best quality of life can be achieved with a little assessment and a lot of planning! Let’s get started…

#1: How comfortable do you feel with your current housing costs: mortgage, property taxes, insurance and ongoing maintenance? Will your home be paid off soon and have you asked your tax professional about the tax pros or cons of that situation? Are there any major expenses looming like a new roof… and can you make it happen?

#2: How much would it cost to make your home a ‘lifelong’ home – one that adapts to your needs as you age? Check out AARP’s article called ‘Can You Afford To Age In Place?’ to see how much non-slip floors, accessible shower & tub designs, widened doorways and step-free entrances can cost. You can often avoid ‘an accident waiting to happen’ if you are proactive!

#3: Could your home and wallet accommodate a temporary, part-time or long-term, full-time live-in caregiver if an acute or chronic medical condition arose? No one plans to break a hip or lose their sight… but these are realities of aging that can be managed with help.

#4: How close are you to the people and places you love the most? Are your grandkids only a block away… or is your whole clan three states away? Don’t forget to consider the cost of social and emotional well-being. It is priceless to be near who and what means the most to you.

#5: What is the one next step you can take to improve your aging years today? Have you been wanting to see your financial planner to determine how long your savings will last? Is there a trip you just HAVE to take? Are you having some guilt over putting off that annual physical?! Sometimes the cost of waiting is bigger than you think – so live for today and plan for tomorrow!

I hope that these questions have helped you explore whether a move (or not) makes sense for you. Sometimes we know what we need to do and we just need to do it… and other times we need a little nudge figuring it out. I am here for you on either account!

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Designations Create Distinctions: 3 Things To Know About The ABR®

3 Things abrIf you have been following our blog, you have seen the debut of this new series ‘Designations Create Distinctions’ and have read as we revealed both the consumer & agent benefits to our first featured designation: the Accredited Buyer’s Representative (ABR®). While you have no doubt learned a ton, here is a little refresher with 3 things you may not know about the ABR® – whether you are a homeowner or real estate industry pro!

#1: It Raises The Bar. Let’s face it, this industry has traditionally given sellers much more attention than buyers. But according to REBAC® (the Real Estate Buyer’s Agent Council), the ABR® designation  provides “the quality of service and degree of fidelity to buyers that sellers have customarily enjoyed.” Is raising the bar for service levels for buyers ever a bad thing?! I think not. And any agent who agrees is someone I would be proud to know!

#2: It Maximizes The Effectiveness of The Buyer Counseling Session. Don’t be scared – this isn’t therapy! But while most agents and buyers work through a home needs list, an agent who holds the ABR® has learned to facilitate a conversation that takes into account more than just wants & needs. There is an entire chapter on counseling buyers which encompasses motivation, price determination & financing, previous home search efforts & service levels. The result is relationship built on trust and transparency, and a process that is proactive and predictable.

#3: It Means Commitment. There is a reason that the ABR® is called ‘the benchmark of excellence in buyer representation’. You have to LOVE working with buyers to put the time and energy into the educational and experience requirements – but it’s not only what 95% of buyers value, it’s what they deserve! An agent with this designation isn’t simply able to work with buyers, but genuinely passionate about doing so. A buyer who works with an ABR® accredited agent has a true champion working on the hardest part of any transaction today.

Learn more about the ABR® on our blog and at:

The National Association of Realtors

REBAC 

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Monday Market Update: The Seller Stat That Says Sell Sooner…

hot topics

It’s no Silicon Valley secret that now is a great time to sell. And considering that has been the state of the market for the last two years… you probably think that time is on your side and that ‘sometime this year’ is a good goal. While 2018 holds vast potential for sellers, the highest return on your investment is likely to be earlier in the year (think NOW) rather than later… here is why:

Home prices are projected to increase 3.2% year-over-year in 2018,

compared to 5.5% from 2016-2017. 

This data comes to us from Realtor.com, one of several sources who recently reported that home price moderation is expected amidst a year where rates are rising. Throw in the projection that inventory levels are expected to rise by 4th quarter and you will see that the best ingredients for the highest return on your investment are the ones we have today. Yes, there is a recipe for success in every market – but right now home prices are STILL increasing, rates are STILL hovering near historic lows and demand is STILL far higher than supply. Any change in one variable throughout the year could impact your strategy, timing and return on investment. I have no intention of scaring you ~ but it’s my job to inform you of the stuff we know, the stuff we expect and the stuff we can’t control!

If I were selling my own home today… I would seriously explore the possibilities of an early spring sale. Please let me know if you have any questions!

For additional reading on this week’s hot topic, check out:

5 Reasons It’ll Pay to Sell Your Home Early in 2018

Hot housing market could cool in 2018

Although Pending Sales Up, NAR Warns of Tax Law Implications

Call me any time with any questions!

~ Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

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Senior Spotlight: 2018 Best Places To Retire Overseas…

Nic CollageDid you know that over 500,000 Americans now receive their Social Security benefits overseas? We aren’t terribly surprised, especially after our visit to Central America in the fall courtesy of Mike Cobb and his team from ECI Development. We also weren’t a bit surprised when AARP released their 2018 “Best Places to Retire in the World” and saw that all THREE places we explored were in their top 10 list!

That’s right… Nicaragua, Panama & Costa Rica all landed in International Living’s Annual Global Retirement Index for 2018 ~ see the rankings below as reported by AARP. Rankings are awarded based on 12 categories where a couple can live comfortable for as little as $1500 per month: buying and investing; renting; benefits and discounts; visas and residence; cost of living; fitting in; entertainment and amenities; health care; healthy lifestyle; development; climate; and governance.

1. Costa Rica

2. Mexico

3. Panama

4. Ecuador

5. Malaysia

6. Colombia

7. Portugal

8. Nicaragua

9. Spain

10. Peru

For a review of our experiences in 3 of the top 10… check out our blogs and pics from our journey! If we can be of any assistance as you plan a local, regional or global change to make the most of the years you’ve worked SO hard for – please don’t hesitate to reach out!

International Market Update: Costa Rica (Is It Really Too Expensive?!)

International Market Update: Panama (Central America’s Modern City)

International Market Update: Nicaragua (The Reality) 

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/
 

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Monday Market Update: What Buyers Want

2018 is well underway… and the first month of the year is almost behind us! I hope that you have much to look forward to as the months march on, whether buying, selling or staying right where you are!

If you have been on the fence about moving, you might wonder if your house is really what buyers want & need.

Is it open concept enough?

Is it updated enough? Is it urban enough?

Do these high ROI’s really happen to people like me…?

Contrary to the many media myths you hear… what homeowners REALLY want isn’t that hard to deliver (especially here in Silicon Valley!). Check out this recently released infographic from the California Association of Realtors on what homeowners want and you’ll see that the traditional aspects of home (a yard, great schools and a prime location!) are all you need to impress. Bells and whistles are not always required to gain a great return on your investment; give me a call anytime to chat about what it would take to sell your lifelong home. Location is STILL the #1 factor in what buyers want. If you’ve got a Bay Area zip code… you are more than halfway there. With inventory lingering low and rates rising, serious buyers are out there NOW.

All my best,

Bobbi

650.346.5352

Positively-Perfect-hi-res

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Senior Spotlight: The #1 Thing You Can Do To Save Your Vision

glaucomaIf there was ONE thing you could do to help prevent the #1 cause of irreversible blindness in the United States, would you do it? Would you tell your aging loved ones? Of course! Well the good news is… here is your chance!

The National Eye Institute reports that more than 3 million people in our nation currently have glaucoma; with the aging population growing fast – that number is expected to reach 4.2 million (a 58% increase!) by 2030. Since January is National Glaucoma Awareness Month, we wanted to share the simple and big way to help save your vision, and that of those you love. In my work as a Senior Real Estate Specialist, the most common and disheartening challenge I see is waiting until it’s too late – waiting until your health is too far gone, waiting until you are too financially in distress, waiting until a choice is no longer an option but a necessity.

We all know prevention is the BEST medicine … so let’s make sure that no one goes blind from glaucoma because they didn’t know how to detect it. While many diseases have symptoms that tell you something is off, glaucoma can damage your vison so slowly that you may not know about it until it’s advanced. Early diagnosis and treatment is key to minimizing nerve damage and the related vision loss. Your best defense against glaucoma is SO easy anyone can do it – get an annual, comprehensive eye exam. Even if your eyes feel fine and you don’t notice any vision changes, please schedule this critical step in protecting your eyes and preventing unnecessary blindness.

Other ways to save your loved ones’ vision

| Talk to them about glaucoma and make sure they know who to call for that eye exam! Offer to drive them and even head to lunch afterwards!

| Request that a free educational brochure be sent to you or someone you know; visit this link and request it via a fast online form.

| Get the facts about glaucoma at https://www.glaucoma.org/ and find ways to help fund ‘The Cure Is In Sight’ campaign.

Resources Used:

January is Glaucoma Awareness Month (Glaucoma Research Foundation)

January is Glaucoma Awareness Month! (Your Sight Matters.com)

Eye Health Observances (American Academy of Ophthalmology)

All my best,

Bobbi

Bobbi Decker, SRES®, CIPS®
Broker Associate, Today Sotheby’s International Realty
Bobbi Decker & Associates
BRE 00607999
e. bobbi@bobbidecker.com
p. 650.346.5352
w. www.bobbidecker.com

Bobbi Decker & Associates fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/

Posted in Living Longer, Living Better, Senior Spotlight | Leave a comment