Silicon Valley Edition
SEE INSIDE Spotlight on The Villages
o v e r 50
3...Selling Your Residence? The Pros and Cons of Living in an
4...Play Tennis for Life
5...Skin Cancer Can Kill
Active Adult Retirement Community
By Larry W. Hayes
6...Fly Fishing for All Ages
7...Looking for a Job? (Note: For this article, the writer toured The
8...Get Active at Campbell Villages in San Jose, Rossmoor in Walnut
9...New Dog Park Coming Creek, Trilogy in Rio Vista, Sun City in
Lincoln, Oakmont Village in Santa Rosa and
10...Baby Boomers Seek Help Summerset in Brentwood.)
11...Join the Peace Corps
What attracts people over 55 to
active adult retirement communi-
Newsbriefs ties like The Villages?
Is it the active, carefree lifestyle?
Changing Demographics The gated 24/7 security? The free-
If you thought Santa Clara dom from yard work and mainte-
County was only for the young, nance? The desire to be with people
think again. Over 295,000 people of your own age sharing common
age 55 and over live here out of interests?
a population of 1,682,585. San These age-restricted (55+) com-
Jose alone has over 185,000 munities are in reality exclusive
residents 55 plus. The Villages in country clubs with social and
San Jose has the largest concen- recreational activities that rival
tration of people over 55 in the many vacation resorts.
entire Bay Area—over 4,000. A Look at The Villages Photo supplied by S.R.Hinrichs, resident
Source: U.S. 2000 Census Bureau of The Villages
Established in 1967 off San Felipe
Road in the Evergreen District of 650 to 2500. The medium price of
Upscale Campbell all properties is $500,000.
San Jose, The Villages is the only
The revitalized city of The Villages is actually 12 villages
active adult retirement community
Campbell has suddenly become or districts with each village hav-
in Silicon Valley.
“trendy” and upscale with 51 ing its own distinctive architectur-
Over 4,300 residents live here in
homes sold in 2004 at a million al style.
2,309 condominiums and 227 single
dollars or more. Only 13 at that Property prices range widely
family homes scattered throughout
price tag were sold in 2003. from village to village depending
the secluded and scenic 550 acres.
Thirty of the 51 upscale homes upon size, style, age and location.
But if you’re looking for an inex-
came from one new housing For example, the Valle Vista Village
pensive retirement home, you may
development: Chamberlain condominiums are built on a hill
have to move to Florida or Kansas.
Courts at Hacienda and San featuring panoramic and breath-
Resale prices of condos and sin-
Tomas Aquino Rd. The average taking views of nearby Silver
gle family homes at The Villages
price of those two-story homes Creek Country Club and other
range from $290,000 to over
was $1.5 million. vista points.
$900,000 with square footage from
These newer, larger properties nestled up against the Diablo likely to hear about serious illnesses
sell for $900,000+ when placed on Mountain range on the site of a and death
the market. Older and smaller former wine-growing estate “There are a lot of rules and regu-
properties like the condos in • Common interests and special lations,” said Emil Pisarri, a six
Cribari and Montgomery Villages bonding with residents due to year resident who is both a golfer
are priced from $290,000+. age restrictions and tennis player. “Sometimes it
Although people don’t move to • Peace of mind with gated, 24/7 prevents you from doing what
The Villages expecting home appre- security. People “look out” for you’d like to do or slows you down
ciation, property values have each other while waiting for permission.”
approximately doubled in the past • 18-and 9-hole USGA-rated golf “However, the positives out way
seven years, according to real courses, 6 tennis courts plus 4 the negatives by a big margin.”
estate broker Carla Griffin, 62, who swimming and hydro massage Moving here or anywhere is a
has lived there for five years. pools life-changing decision not to be
“I feel really safe here because of • Activities galore. Over 100 clubs taken lightly or quickly. Do your
the gated, 24 hour security. That and activities from fitness pro- homework and tour at least one
gives me peace of mind,” said grams to golf to swimming other adult retirement community
Griffin. “Since living here, I’ve • Carefree, “get up & go” such as Rossmoor in Walnut Creek
established wonderful relationships lifestyle—a time to enjoy life or Summerset in Brentwood.
with many people my own age.” • Rated as one of the top 25 active When touring, inform your real-
The average age at The Villages is adult retirement communities tor that you’d like to talk to some
approximately 62 and dropping, in the U.S. of the residents. Ask them what
according to Griffin. Younger
adults in Silicon Valley are selling
their million dollar homes and “It’s a slice of heaven,“ said Ursula Gibson, 72, a five
moving in, says Griffin. Thanks to year resident. “There’s something to do all the time and
Prop 13, many buyers pay the it’s easy to make friends. I never get bored here.”
same property taxes as before.
“The Villages is a totally different
The Cons they like and don’t like. No place
world away from the noise and
• Not inexpensive. Property is perfect and don’t expect every-
stress of Silicon Valley,” added
prices mirror the high cost of one to be happy or friendly.
Griffin. “It’s play time at this stage
housing in Silicon Valley Before you buy, carefully read
of our lives.”
• Ever increasing, monthly home- and understand the homeowner’s
The championship golf course is
owner’s association dues rang- Community Rules & Regulations
the centerpiece at The Villages but
ing from $450 to $750 (CRR). Know what the rules are,
contrary to the popular perception
• Living in a remote, isolated area and if you can live with them.
that everyone retired plays golf,
may be a curse as well as a If you don’t like following rules
only about 20% of the residents
blessing. It’s a long drive to or dealing with a certain amount
actually play. Golfers pay nominal
favorite restaurants, shopping, of politics and bureaucracy that
theaters, family/friends and jobs comes with living in a home
There are plenty of other things
• Strict rules & regulations on owner’s association, this may not
to do to keep active, including
what you can and cannot do be the place for you.
tennis, swimming, hiking, riding
such as make exterior home Don’t feel pressured to buy the
stables, fitness centers, dances,
repairs without approvals or first property that you see or like.
bridge, club parties, arts & crafts.
have guests stay over 30 days While no new properties are being
However, if you’re thinking of
• Strange as it sounds, it may be built at The Villages, approximately
moving to The Villages, here are
“too quiet” for some. Many 250 resales (10%) appear on the
some things to consider:
adults prefer some noise in market every year.
The Pros their lives, plus the excitement If you’re interested in a tour of
• Beautiful, scenic, private golf and synergy of being around The Villages, contact a local realtor
& country club exclusively for people of all ages, especially that specializes in these properties
active adults 55 and over children such as B & A Realtors, San Jose
• Very quiet, secluded location • Because of the high concentra- at 408.274.8766
that few people know about tion of seniors, you’re more www.BandARealtors.biz
Nearby Active Adult Selling Your Residence?
Beware: You May Have a Tax Bite
The Villages Golf & Country
By Mervin Roberts, CPA, Roberts Accountancy Corporation
Club, San Jose www.thevillages-
Rossmoor, Walnut Creek If the property was inherited,
925.988.7700 the original cost basis is the “fair
www.rossmoor.com market value” at the death of the
Summerset Palms, Brentwood
party from whom the property
925.513.7913 www.summerset- was inherited. This includes the
palms.org death of a spouse.
Generally, property held in joint
Trilogy at Rio Vista, Rio Vista
tenancy by a husband and wife
can be considered “community
Sun City Lincoln Hills, Lincoln property” and get a full “stepped
800.483.4834 www.delwebb.com up basis” (fair market value at the
Oakmont Village, Santa Rosa date of death).
707.539.1611 www.oakmontvil- Accordingly, the surviving
lage.com What happens, tax wise, on the spouse has a new basis in the
Upcoming Del Webb projects sale of a personal residence? property called a “substituted
www.delwebb.com First, what is considered a per- basis.” If the property is sold
sonal residence? A house, town- within six months of the date of
Willow Shores, Stockton
house, condo, mobile home, boat, death, by the surviving spouse,
summer 2006 888.622.9322
house trailer or RV may qualify the sales price may be used as
Copper Ridge, Los Banos the substituted basis.
as a personal residence. You can
winter 2006 866.469.9322 If the residence is acquired by
have only ONE primary personal
Woodbridge, Manteca residence at any time. gift (not inherited due to the death
fall 2006 877.922.9322 The next important information of the donor) the basis in the hands
Upcoming Trilogy projects that a taxpayer must keep track of the donee is the same as the
www.trilogylife.com of is “basis” or “cost basis” of the basis in the hands of the donor.
property. You can add the cost of improve-
Central Coast, Nipomo
The cost basis of your original ments to the property made subse-
fall 2005 800.685.6494
purchase of a home is the pur- quent to the date of acquisition.
chase price plus certain costs in How to calculate gain on the
Tax Tips escrow such as title fees, escrow
fees and title transfer taxes.
sale of a personal residence? The
sales price from the escrow settle-
If you bought and sold any per- ment statement, or Form 1099-S,
California Ranks 17th is the starting point. This amount
sonal residence(s) prior to May 7,
in Taxes Nationwide 1997 and deferred the gain on the is reduced by the expenses of sale;
If you think California taxes sale by going up in value, you i.e., commissions, title fees and
are high, try New York. Its have what is referred to as an other selling expenses out of
residents pay the most taxes in “adjusted basis.” For years prior escrow or paid by the seller(s)
the country—$130.79 per $1000. to 5/7/97, the adjusted basis was incident to the sale.
Second highest? Maine—$130.16. reported on Form 2119 as a part Now you deduct your cost basis
Californians pay $106.01. of your individual income tax of the property to arrive at the
The least taxed state? returns. gain (or loss) on the sale of the
Tennessee at $83.89. Our neigh- If the Form 2119 was not com- property.
bors: Oregon—$90.93; Washing- pleted, it’s necessary to calculate Is the gain taxable? Possibly. A
ton —$100.90; Nevada—$101.20; the adjusted basis through the taxpayer can exclude from income
Arizona $104.47. (Taxes based on history of all the purchases and up to $250,000 (a single taxpayer)
personal, sales and excise.)
sales of personal residences before or $500,000 (married taxpayers
5/7/97. filing a joint return) of the gain
from the sale of a personal
Tennis Ranks as Excellent Way to residence. The qualifications for
Burn Calories, Meet People and Have Fun this exclusion include:
• The individual(s) must have
owned and used the home as a
principal residence for at least
two out of the five years prior
to the sale. The two years do
not have to be consecutive
• Neither spouse may have sold
a home, and used the exclusion,
more than once every two years
What does this all mean for the
preparation of your income tax
returns? A sale of $250,000 or less
for a single person or $500,000 or
less for a married couple or a gain
that is less than your exclusion
amount isn’t reported in your
returns. However, you need to
Sunnyvale’s SM3.5 team (19-3) won the District Championship this year at Sacramento and finished 3rd keep these records in your files in
in Northern California out of 107 teams.
case the IRS or Franchise Tax
Playing tennis is good for your Contact info: Sunnyvale Tennis Board of CA audits your returns.
heart, body and soul. And it’s a Club, 800 Rossett Drive, Sunnyvale Losses on the sale of a personal
sport that you can play until your 408.732.2130 residence are not deductible in
knees give out. People in their www.sunnyvaletennisclub.org your tax returns. Gain in excess of
50s, 60s, 70s and 80s play the game Why play USTA tennis? “To the exclusion amount is a capital
for competition, to have fun and to improve my game and to meet gain subject to Federal tax at the
keep in shape. and play against different people,” rate of 15% generally. California
Health benefits include the burn- said Shirley Mock, of Palo Alto. will collect taxes at whatever tax
ing of calories, lowering of blood “I love the team camaraderie and bracket you fall into to a current
pressure and relieving of stress. competition. If I didn’t play tennis, highest rate of 9.3%. You must
An average-sized man playing I’d age fast!” give the title company a Form
an hour of tennis burns about 420 Said Ben Chui of Cupertino, “It’s 593-C to claim exemption from
calories during doubles and 600 all about meeting new people and withholding taxes payable to the
for singles. A 135-pound woman forming friendships, sometimes State of California when you sell
burns 330 calories during doubles for life. Getting regular exercise a personal residence in California.
and 420 for singles. outdoors is very beneficial. USTA Consult your tax advisor or
You’re never too old to take up gives me the chance to play com- preparer about how these matters
tennis. Ask a friend to teach you or petitive tennis at different levels in affect you and your particular
sign up for tennis lessons at your different leagues which improves situation.
local Parks & Recreation Center. my game and the opportunity to
Most communities including meet more people.” Roberts Accountancy is a full service local
Campbell and Sunnyvale offer For information on competitive CPA firm in Santa Clara County. Their
motto is “Large enough to serve, small
tennis lessons. tennis for people over 50, check
enough to care.” Merv Roberts has over
With over 1000 members, the out USTA’s Northern California 40 years of accounting experience with
Sunnyvale Tennis Club is the Section at www.ustanorcal.com. both national and local CPA firms.
largest Community Tennis USTANorCal has been promoting 408.559.3337 firstname.lastname@example.org
Association in the United States, tennis for 50 years and has over
offering both recreational and 34,000 members, including com-
“If we live a hundred years idle,
competitive tennis in USTA petitive leagues and tournaments
without energy, better to live one
leagues. Several of its teams have for men and women over 50, 60
won National championships. and 65+. day of steadfast energy.”
Health Tips Skin Cancer Can Kill. Protect Yourself.
By Mindy Tanner, M.D.
Check Your Skin
Pay close attention to moles public awareness, improved
and other marks on your skin. diagnostic technology and longer
The most common sign of skin life spans have contributed to
cancer is a change on the skin the diagnosis of more cases.
such as a growth or a sore that Regardless, the numbers continue
won’t heal. If you notice any to increase (4% in 2003) and are
unusual changes on any part of alarming
your body, have a doctor check • Including invasive and non-
it out. invasive melanoma, 1 in 37
Americans have a risk of devel-
Live Longer oping melanoma in their life-
Committing to an active and times
healthy lifestyle is likely to How to Protect Yourself
extend your life. One of the major reasons people
The American Academy of
As little as 30 minutes of love living in Silicon Valley is the
Dermatology recommends that
moderate physical exercise a weather with abundant sunshine
everyone practice these sun pro-
day and reducing fats in your 300 days of the year. When we go
tection guidelines—even when
diet can make a big difference outside, however, we’re exposed
the sky is overcast or cloudy:
in how long you live and look to the sun’s rays which eventually
• Wear a broad-spectrum sun
young. take their toll on our skin.
screen with a Sun Protection
Unprotected exposure over time
Factor (SPF) of 15 or higher
Vigorous Workouts increases our risk for skin cancer.
• Avoid outdoor activities when
Men can reduce their risk of While most skin cancers appear
the sun’s rays are the strongest
developing Parkinson’s disease after age 50, the sun’s damaging
between 10 a.m. and 4 p.m.
50% to 60% with vigorous exer- effects begin early in life.
• Follow the ‘Shadow Rule’—
cise, according to health studies.
if your shadow is shorter than
For women, however, the link Some sobering facts:
you are, you’re likely to burn
between exercise and Parkinson’s • More than 50% of all new cancers
because the sun’s damaging
is not statistically significant. diagnosed are skin cancers and
rays are at their strongest. If you
Source: Time magazine over 1.3 million new cases will
can’t see your shadow at all, you
be diagnosed this year in the
should not be in the sun
Socializing Helps U.S. alone. There are more new
• Seek shade whenever possible
Being around people is good cases of skin cancer each year
• Wear quality sun-protective
for your mind and body, accord- than the total of new cancers of
clothing and accessories, includ-
ing to a Harvard University the breast, prostate, lung and
ing sunglasses and caps
School of Public Health survey. colon combined
If you’re over 50 and spend
Social past times like bingo, • 80% of new skin cancers will be
extended periods of time outdoors,
card playing and dances are basal cell carcinoma, 16% will be
you’re at risk to develop some form
equally as important as exercise squamous cell carcinoma and 4%
of skin cancer in your lifetime. When
in leading healthy lives. will be melanoma. Melanoma
going outdoors, I highly recom-
is responsible for 77% of skin
mend that you apply sunscreen
Losing Weight cancer deaths. In the U.S., one
and wear a cap to protect your
What are the best exercises person dies every hour from
face and neck. There are lots of
for losing weight? Swimming, melanoma
“shade caps” on the market but
biking, jogging and walking. • The incidence of melanoma is
the one that I like best is called
But you need 45 minutes of increasing. Since 1930, there has
the “ExtremeShade” cap made by
sustained exercise three to five been a 2000% increase in the
times weekly to show results. occurrence of melanoma. Greater
It looks like a regular ball
Profile: Ron Wong cap but is made with specially
Fly Fishing: A Sport for All Ages and Gender treated fabric that blocks 98% of
the harmful rays from the sun. It
has fold-out side shade flaps and
a pull out neck-length shade flap,
providing protection for your
neck, ears, face and head. Clip-on
visor extenders help protect the
sides of your face and eyes.
After a decade of treating skin
care problems, I realize there are
many reasons why people do not
use sunscreen protection regularly.
It’s either not convenient, too
“messy” or they don’t perceive
they will be out in the sun for
very long…or a variety of other
As much as 70% of our sun
Like many fisherman, Ron releases his catch to fight another day. exposure may be “casual” expo-
sure… the accumulation of all
Age: 67 “I’ve walked for miles searching the minutes we are in the sun
Height: 5’ 7” for trout in New Zealand streams. throughout our normal days—not
Weight: 150 lbs Wading against strong currents the hours we purposefully choose
Residence: Lives in Los Altos with requires a lot of strength and to be in the sun. Individuals, who
wife Alice stamina. After a day of casting only wear sunscreen when they
Occupation: Works part time at heavy flies for stripers in the choose to be in the sun for an
the Caddis Flyshop in Belmont. windblown San Joaquin Delta, extended period of time, are leav-
Retired engineer and corporate my arm feels like it’s falling off.” ing their skin largely unprotected
planner/treasurer. Challenge: Fly fishing takes lots and increasing their risk of skin
Background: “After I retired at 58, of practice to be really good. “I’m cancer.
a friend said: ‘now that you have still learning how to ‘read water,’ Unfortunately, most people
plenty of time on your hands, why select the right fly, make the perfect ignore the risks of sun exposure
don’t you take a fly casting lesson presentation and set the hook at until they either see the aging
with me?’ Little did I know that it the right time without losing a ‘hot’ effects on the skin or have devel-
would become a wonderful hobby fish. I love to tie the flies I use and oped their first skin cancer. Skin
and lead me to some of the most get great satisfaction when a fish cancer can kill but is often curable
beautiful scenery in the world.” is fooled by one of my creations.” if detected and treated early. Baby
Fly fishing has taken Ron to far Benefits: “Fly fishing has intro- boomers, especially those living
and often remote locations includ- duced my wife and me to many in places with abundant sunshine,
ing Argentina, Russia, New new and enduring friends. It’s need to protect themselves all
Zealand, Canada, Patagonia, New very relaxing and a fun hobby.” year round.
York, the Florida Keys, Hawaii Getting started: You’re never too
and Montana, as well as numerous old to learn how to fly fish. Women Mindy Tanner, M.D., is in private practice
streams and lakes in Northern and are also discovering and enjoying and is the Medical Consultant for Derma-
Central California. the popular sport. For information, Fend in Los Altos. She can be reached at
Exercise: “Fly fishing is fun, chal- contact The Caddis Flyshop in email@example.com.
lenging and great exercise,” he Belmont. www.thecaddis.com or
said. “It involves as much exercise 650.508.0727. In the south bay,
“No act of kindness, no matter how
as a lot of other sports, including contact Upstream Flyfishing in Los
small, is ever wasted.”
USTA tennis which I play regularly Gatos. www.upstreamflyfish.com
for fun and competition.” or 408.354.4935. —Aesop
Work Tips Over 50 and Looking for Work?
By Elizabeth Caselton,
Silicon Valley Recruiter
Popular wisdom from Wall
and more frequently “job hop” to
Street and financial experts is
quickly move up the ladder are
that you need 70 to 80% of your
expensive to the employer who
pre-retirement income to avoid
has a sizeable investment in a new
becoming a charity case.
employee. You should seek a job
“Not true,” according to Fred
with a company that values the more
Brock, author of “Retire on Less
stable, mature, proven employees.
Than You Think: The New York
Times Guide to Planning Your Seek Temporary Work
Financial Future.” Many experienced, well qualified
His reasoning is that people candidates can find temporary
today see retirement as another work, often referred to as consult-
career or job than staying at ing or contract work, more easily
home doing nothing. Financial than they can find a regular full-
planners fail to emphasize the Whether you’ve lost your job,
value of “cutting expenses” and re-entering the workforce or get-
Studies have indicated that tem-
working beyond age 65. ting progressively unhappier with
porary contract help is on the rise
Reducing expenses may mean your current job or career in
now, so you might wish to explore
a simpler, downsized life and general…you may be asking:
these opportunities within your
maybe, a move to a less expen- • How do I compete with the
discipline where your experience
sive part of the country. In younger workers?
and knowledge are in demand.
Wichita, Kansas, you can buy • Is it too late to begin a new career?
Often, temporary work leads to
good homes for under $100,000. • Is the job market ever going to
a full-time position, especially if
You can get a new, 2500 square get better?
you impress your boss.
foot home with basement for The answer to the last question
under $250,000 near Overland seems to be yes. The job market is Keep Learning
Park, Kansas, an upscale com- slowly improving and as a Whether or not you’re seeking
munity. That same home would recruiter here in Silicon Valley, I’m a new direction in your career or
go for over $1 million in Silicon seeing many more people over 50 just trying to re-enter the work
Valley. going back to work. place after retiring, it’s very impor-
There are two free websites Now what about competing tant to continue your education.
that expose the exaggerated with younger workers? Here’s No one is too old to learn and
estimates of retirement needs: what you have going for you and continuing your education may
www.bestplaces.net and what you need to capitalize on lead you to a new career direction.
www.retirementliving.com. when seeking a new job:
• Your valuable knowledge and Tailor Your Resume
Work Until You Drop experience means less training Your resume is meant to profile
85% of baby boomers say they needed your skills, experience and train-
want to do some kind of work • Your maturity translates into ing. But the employer is looking
for as long as they live. Many better decision making for the employee who will benefit
plan to work past traditional • Your stability and patience are his company most on the job.
retirement age due to necessity attributes that translate into a Describe what you can do for
or choice. They need the money more stable, reliable worker the company and your accomplish-
and realize that their current Stability in your life, perhaps ments for other companies, in
savings may not sustain them. owning a home, and established addition to the skills and attributes
The stock market’s slow recov- roots in the community is a big you bring to the table.
ery from its dramatic drop of a plus for the employer who is As a recruiter, I’m screening on
few years ago has forced many looking for a reliable employee. behalf of my client company for
retirees back to work. Those who are young, impetuous those candidates who offer
the right mix of talent, experi-
Get Your Body and Mind in Shape ence, skills and education that fills
at the Campbell Adult Center the needs of the client for that
The resume that describes what
adult center is approximately 75 to the candidate is capable “of learn-
80, the demographics are changing ing” or a description of the candi-
as “baby boomers” learn about the date’s “career goals” is not usually
vast array of fitness activities relevant in whether or not he/she
including strength training, body is a good fit for the job at hand.
conditioning, pilates, aerobics, yoga, I advise my candidates to begin
line dancing and lap swimming. the resume with a summary of
Plus you can sign up for tennis, their skills and attributes that are
basketball, badminton, volleyball relevant and beneficial to the
and more through the Campbell company and the specific job
Recreation Department located on description they are applying for.
the same campus, formerly the It’s a little more work but
Campbell High School. addressing what you can do to
Diane Ehler, of San Jose, practices Yoga. (You can also work out on your meet the needs of the job and the
own at the new outdoor Fitness employer you’re applying to will
Fitness? Wellness? Financial Zone at the Community Track pay off with more interviews and
and educational programs? Center which is free for the general your next job.
The Campbell Adult Center has public. The Fitness Zone consists
it all and much more. of 12 stations with many different Elizabeth Caselton is a Silicon Valley
Although small in actual square exercise options including strength recruiter and owner of Marcom Choices
footage, the Campbell Adult Center training, cardiovascular training Staffing Company, specializing in executive
is big in the number of programs and core strengthening.) search and contract placements for profes-
and services offered to adults over “We focus on wellness at the sionals in high tech marketing, corporate
communications and sales. 650-851-9055
50. Members also enjoy full use of Campbell Adult Center,” said
the multiple services of the entire Kathy Whitcomb, senior services
30-acre Campbell Community supervisor. “Our classes in
Center complex. strength training and aerobics
For its size, Campbell offers are very popular as well as the Job Opportunities
more programs and services for line dancing.” for the 50-plus Worker
adults over 50 than any other city “So are our twice monthly day • Over 16 million Americans
in the West Valley area which is and overnight trips we sponsor over 55 are working or seeking
one reason why it’s so popular. throughout Northern and Mid work today
Registered adult membership California with such activities as • Older Americans make up 10%
totals over 1400, not counting wine tasting, gambling at Indian of the workforce but account for
those who take advantage of the casinos and attending theater in 22% of the nation’s job growth
many social services offered San Francisco.” • Older workers are getting new
throughout the year, including: “People come to the Campbell jobs at an annual rate of 4.1%,
• Monthly blood pressure checks Adult Center not only to keep double the .8% rate in the
• Health insurance counseling their mind and body in shape, general population
• Homeowners and renters but to socialize as well,” said • By 2015, the number of employees
assistance Whitcomb. “Being around other over 55 will reach 31.9 million
• Income tax assistance people keeps you active mentally compared to 18.4 million in 2000
• Employment/housing referrals and socially. It is one of the secrets • Extensive research shows NO
• Long term care counseling of living longer, happier and relationship between age and
• Notary public healthier.” job performance
Nearly 85% of its members are Contact info: Campbell Adult
female. Ages range from 50 to 101. Center, 1 West Campbell Ave., Source: Protective Aging in the 21st
Century by Robert Knechtel, GO6O.com
Although the average age at the #C-33, Campbell 408.866.2146
Tidbits Los Gatos Creek County Park
Dogs Get Excited!
Learn for Fun New Park Coming Just for Them
No tests. No homework.
If you want to learn just for
the pure fun of it, check
out SJSU’s Osher Lifelong
Learning Institute (0LLI)
for people 55 and older.
Classes in arts, history,
current events and more
are taught by distinguished
emeritus faculty, scholars
and professionals in the field.
An annual membership fee
of $300 entitles you to take
nine courses per year.
For more information, contact
Oma Morey, program director,
at 408.519.1279 or email:
Raja patiently waits for his own park.
Also, you can take classes
at the Osher Lifetime Learning
Dogs—and their owners—are Los Gatos and west San Jose.”
Institute at Santa Clara
jumping for joy to learn that a The City of Campbell and the
dog park is scheduled to open in Santa Clara County Parks and
Call 408.554.2382 or email:
December at the Los Gatos Creek Recreation Department were the
firstname.lastname@example.org. Visit the Lifelong
County Park in Campbell. driving forces to get the park built.
Learning Institute website
Passionately requested by dog Campbell agreed to provide the
lovers for years, the new one-acre majority of the funds. Jim Beall’s
dog park will be located north of office representing District 24
Thinking of Moving?
the casting ponds within the Los contributed $50,000 and the city
Check out these websites
Gatos Creek County Park, an 80- of Los Gatos $25,000. Private
before you move:
acre urban park encompassing six donations were also received. The
percolation ponds. Park entrance County will maintain the park.
site for retirement planning
is at the intersection of Dell and “We have a Boston Terrier and
throughout the U.S. Compares
Hacienda Ave. in Campbell off of we can’t wait for the park to
not only cost-of-living data but
Winchester Blvd. open,” said Charm Bianchini, a
information on housing, crime,
This will make the third dog San Jose resident. “Our dog, Raja,
education, economics, health
park within the Santa Clara has so much fun running free and
County Park network. The other playing with other dogs.”
Also, visit www.retirementliv-
dog parks are located at Hellyer Park admission is free at all
ing.com to compare taxes in
County Park, San Jose and Ed Santa Clara County Parks to those
different states. Because of the
Levin County Park, Milpitas. age 62 and over.
incredible variations in property
“People keep asking when will
taxes, it’s very hard to tell which Directions: The best way to enter the park
the dog park open,” said Lisa
state is the least expensive. You is from Winchester Blvd. Go east on
Petersen, senior engineer for the
may be surprised to learn that Hacienda Ave. to the stop sign at Dell. Park
City of Campbell. “Everyone’s so hours are from 8 a.m. to sundown. For latest
California ranks 32 in per-capita
excited to finally have a place to and compete information about the dog park,
take their dogs off leash, especially visit www.cityofcampbell.org.
for residents living in Campbell,
Tidbits Baby Boomers Seek Help
for Their Parents and Themselves
Follow the Money
People over 50 have 50% of
the nation’s disposable income; crisis mode by 2020. We must plan
75% of the nation’s financial now for the coming aging popula-
assets and 80% of its savings tion explosion and start providing
and loan accounts. the necessary services.”
The total net worth of people Senior specialists at COA provide
over 50 is five times that of daily information on programs,
other Americans. Those 65+ eligibility, availability and proce-
enjoy twice the discretionary dures on how to obtain particular
income of people 25 to 34. In services. Their mission is to help
the 1990s, the net worth of seniors remain independent and at
households headed by people home as long as possible. Funding
over 60 grew 30%, double the is provided by the Federal and
national average. State agencies.
--Retire on LESS Than You Think
Sooner or later, you’ll be glad COA Services Include:
by Fred Brock
you know about the Council on • A comprehensive 144-page
Aging (COA) Silicon Valley for Senior Services Directory that
Cash Out Life Insurance?
Santa Clara county. If not for your- lists and explains all community
If you’re 65 or older, you
self, for your parents. based services available in Santa
may not need your whole life
Last year, COA received over Clara County including:
insurance policy anymore. Find
40,000 requests for information • Care Management & Home Care
out how much money you’d
and assistance on programs to • Education & Employment
get if you cash out (cash value)
help seniors, family members, • Emergency Assistance & Security
caregivers, disabled adults and • Financial & Legal
It might make better sense to
organizations concerned with • Food & Nutrition
spend or invest the money. Check
people over 50. • Health Care & Wellness
with your financial advisor and
“One third of the people looking • Housing
do what is right for you.
for help are baby boomers seeking • Insurance
information for their parents,” said • Recreation
Discounts Galore Lorraine Larson, director of market- Expert help is available by
Good news. It seems that ing, Council on Aging. “At some phone to help connect and
nearly everyone offers some kind point, we need to deal with the assist seekers with services
of discount for those over 50. truth about our aging population locally, statewide and nationally.
But you have to ask according in Santa Clara county. We’re get- To obtain a copy of the Directory,
to Joan Ratter Heilman, author ting older, not younger.” call 408.296.8290 and ask for
of “Unbelievably Good Deals…” “Five years from now, our 55- Information and Assistance.
Nearly all U.S. hotels offer plus group grows to 350,000 from Editor’s note: check out the
some discount for older travelers 300,000 while the 20-39 year olds impressive website at www.silicon
ranging from 10% to 50%, shrink to 265,000 from 280,000,” valley.networkofcare.org, listing
depending upon the hotel, time she said. “The 55-plus then doubles useful information and resources
of year and age of the guest. and triples up through 2040 while about life issues, caregivers, assistive
So do restaurants, airlines, the 20-39 group declines. As our devices as well as news around
cruises, vacation travels, baby boomers retire and age, they’ll the world. The library contains
recreation, events and much dramatically change how we view more than 30,000 articles produced
more. Check out local discounts our aging population.” by leading experts in the fields of
at www.seniordiscounts.com. “Unfortunately, our leaders aging and disability.
Words of advice: shop around don’t get it. We’re heading for a
for the best deals.
Housing Tips You’re Never Too Old to Join the
Peace Corps and See the World
Rich Invest in Real Estate
Nearly 43% of millionaires
under 54 look to real estate
investments to help fund their
retirement, up nearly 50% of
retirees relying on this asset
today, according to a Northern
Trust Corporation survey.
However, the majority expect
to rely upon 401(k) savings,
Social Security, individual
retirement accounts, stocks Armenia voltunteer Diane Gomez with locals in an outdoor market.
and bonds for the golden
years. — Wall Street Journal You’re never too old to serve in awareness.
the Peace Corps. In fact, the Peace Presently, 7,733 volunteers serve
Exodus to Sacramento Corps today is actively recruiting in 72 countries including Jamaica,
When you think of Sacramento, people over 50. Belize, Costa Rica, Mexico, Ghana,
do you think of a lively inner President Jimmy Carter’s mother, South Africa, Fiji, Romania,
city? Sacramento is rated as one Lillian, served two years in India Georgia, Jordan, Morocco, China,
the “60 Cheap Places to Live” at age 68. The oldest Peace Corps Bangladesh, Nepal, Philippines,
according to Forbes.com. volunteer was Arthur Goodfriend Mongolia and Thailand.
Refugees from Silicon Valley of Honolulu. He was 86 upon “The Peace Corps was a life-
continue to pour into the area completion of service. changing experience for me
by the truckloads. In 2004, Chuck McBeath, 82, and his wife then and now,” said Silas Jue, a
Sacramento experienced some Marcia, 80, just completed their Sunnyvale resident who served in
of the fastest property prices sixth Peace Corps assignment in India from 1966-68. “It made my
in the nation. Up 23% with a Kenya. They previously served in life deeper, broader and better. I
medium home price of $349,000. Lesotho, Jamaica, Namibia, St. relive the experience every day
You can bet that 2005 prices will Lucia and Cote d’lvoire. and even after 40 years, still main-
be much higher. In 2004, 456 people over 50 (6%) tain contact and close friends with
served as Peace Corps volunteers in many of my former colleagues.”
Reverse Mortgages a Bust?
25 countries. In 1966, only 135 (.9%) Peace Corps is a two year com-
Only 13% of older homeowners
people over 50 were in the Peace mitment sometimes in the country
have expressed interest in
Corps out of 15,556 volunteers. of your choice. All living expenses,
reverse mortgages, according
When serving overseas being including excellent health care, are
to a survey for the National
older is an asset as most develop- paid for during your tour of duty.
Council on the Aging.
ing nations respect age and wis- Plus each volunteer receives $6000
Here in Silicon Valley, the
dom. No single age group in the upon completion of assignment.
equity that homeowners 62 or
Peace Corps has more to offer in For information, visit
older have in their homes is
terms of experience, maturity and www.peacecorps.org or call the
substantial and could be used
demonstrated ability. Peace Corps regional office in
to keep retirees in their homes.
Since the Peace Corps was San Francisco 415.977.8800 or toll
Why the lack of interest? Fear
founded by President John Kennedy free: 1-800.424.8580.
of losing their homes and deplet-
in 1961, more than 178,000 volun-
ing their children’s inheritance.
teers have served in 138 host Note: Our publisher Larry Hayes served
Plus the fees are high—7% to two years in Madras, India as a Peace Corps
countries working in areas such as
11% of the home’s value. For teacher. “It was the most challenging, pro-
business development, education,
information on reverse mort- found and enduring experience of my life
youth and community develop- and gave me the best gift of all—my wife,”
gages, contact your local bank.
ment, agriculture, business, health said Hayes who married an Anglo-Indian
and HIV/AIDS prevention and while in Madras.
Welcome to ActiveOver50 Chuckles
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• You can eat dinner at 4 p.m.
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People today are staying active issues. Please email me at
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• You can live without sex but
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not your glasses
the rocking chair. P.O. Box 321209, Los Gatos, CA
• Your secrets are safe with your
For those of us living in Silicon 95032.
friends because they can’t
Valley, the problem today isn’t the
remember them either
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• No one expects you to run—
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where we live, work and play. Publisher
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