Issue 78A September 2021

Chat With Joyce Hanna Who At 87 Exemplifies The Importance Of Staying Fit And Physically Active Regardless Of Your Age

Publisher's Note: Joyce is an exercise physiologist, nutritionist, health educator, health promotion specialist and former competitive marathon runner. She was ranked #26 in the nation when she was 45. She holds a Master’s degree in education from Stanford University.

She retired last year at age 86 as associate director of the Health Improvement Program (HIP) at Stanford. She practices what she preaches.

Q: You have always been a health enthusiast. How do
you stay fit and physically active after all these years?

I have to start out by saying I have had to adapt what I do as the decades add up. I started running before the fitness boom in the 1960s and that became a big part of my life for many decades--running or hiking in the mountains (Mount Kilimanjaro, base
camp; Mount Everest; Pikes Peak half marathon and many marathons.

Occasionally, I still hike in the mountains and that’s my
first love but during the pandemic when everything closed up
I bought a Peloton and it really helped keep me sane.
This is what I do now:

For aerobics
I do hard HIIT on my Peloton 3x/week for 30 minutes (followed
by 5-10 minute post stretch) all with my favorite instructor
plus an hour slower, scenic Peloton ride with music on Sundays. 
For strength 
2x/wk one hour Zoom strength class (for all ages) with free weights (also incorporates some balance work) and back to the gym with a few gym friends on Saturdays for one hour strength work on machines. All followed by a post stretch (I do miss the community I had with different age groups in the gym.)
Plus, a brisk (brisk--at least most of the time!) one hour walk late in most afternoons—ideally in nature, away from traffic, walking with friends or my youngest daughter or talking with friends on phone or listening to podcasts or books. During the day, I try to randomly work on my balance.

I've learned to follow these two very simple, basic rules but frequently not followed by people who like to exercise.

• If something hurts, stop doing it.

• If you’re feeling really tired, take a day off.

I randomly take a day off every week, depending on how I feel and
the commitments for that week.
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September Is Healthy Aging Month
Each September we recognize Healthy Aging Month as a time
to focus national attention on the health and well-being of older adults. 

This annual observance promotes the positive aspects of growing older. It was created more than twenty years ago to encourage adults, ages 45-plus, to stay active as long as possible and improve their physical, mental, social and financial well-being.

Tips For Focusing On Your Health During September

• Be pos­i­tive in your con­ver­sa­tions and your actions every day.

• Surround yourself with upbeat, active people.

• Walk like a vibrant, healthy per­son. Take the time to enjoy conversations along the way.

• Smile often! Research shows peo­ple who smile more often are

• Find your inner artist. Try out that new hobby you’ve always been thinking about.

• Make this month the time to set up your annual phys­i­cal and other health screen­ings.

• Get your flu shot! They’re available now and it’s a great way to care for your health.

Physicians Medical Group of San Jose is the largest independent physician’s association in Santa Clara County. We have been part of the community for 40 years with more than 1,000 doctors in 460 offices plus we speak 30+ languages. Call 888-988-8682 or visit for more information.

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Housekeeping and laundry services, all basic utilities, great activity programs, game rooms and transportation--all included starting at $3,000 per month.

Located in the heart of Silicon Valley, Cupertino is one of the best places to
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Come and see for yourself. Schedule a Tour Today! Call us today. 408.446.4300. Or

 --Larry Hayes, The Scoop Publisher

Help Us Teach Kids
To Fish

On behalf of the BASF BayAreaSportFishers club, I’ve launched a GoFundMe account to raise money to help teach kids to fish. We're a long-time sponsor of the "South Bay Fishing In the City For Kids"--a unique, free program to teach city youth how to fish, conserve and respect nature.

Money raised will go toward buying basic fishing equipment for kids to use at our fishing clinics planned for 2022. We show kids how to cast, tie hooks and use the equipment properly. Once introduced to the joy of fishing, many kids will be hooked for life.

Please help us continue our free programs to "Teach Kids To Fish." Whatever amount you can give is much appreciated. To donate, please go to:

Many thanks for your help.

BASF President

P.S. My father taught me how to fish at age 7 with a cane pole. Thanks to my Dad, I've taught my wife and daughter to fish. Unfortunately, many kids today are raised with parents who don't fish but want their kids to learn if someone
would teach them.
Got a Question? Ask me anything. If I don't know the answer, I'll ask someone who does. Email me at ASK LARRY is written by Larry Hayes of A050 ActiveOve50. Larry
"Social Insecurity" is a new book of charming, witty, crazy, offbeat, happy comics about getting older from the comic series "Under Cardiac Arrest" by John Donaghue.
John Donaghue is an award-winning advertising art director and cartoonist from San Francisco. To order a copy of his new e-book
"Social Insecurity," CLICK HERE.
The One Constant--Change!

By Evelyn (Evie) Preston, The Money Lady

Financial rules and regulations seem to change dramatically
with each new administration, both state and federal. Our personal requirements, from health to money, also alter as we change with each birthday and circumstance.

That’s why financial advisors suggest periodic reviews and updates to our money lives. Periodically, I reconsider past Money Lady topics, and I find that several could use the same. Also, former short answers often require added clarification…financial footnotes to some of this “money stuff.” 

Digital footprints
I cautioned that heirs or attorneys should have access to your digital life, at least user names and passwords for all online activity. However, there are firms like Legacy Concierge and Protect my Plans specializing in securing and organizing all online data in an electronic vault: financial statements, voter registration, passport records, etc.

And from social security numbers to social media accounts, from sensitive info to family photos, personal identifiers that invite crooks and hackers prove that a digital estate needs protection, especially after a death. Technology can offer a digital legacy, manage last wishes and offer peace of mind equal to the managing of tangible assets.

Proposition 19
There’s a movement afoot via the Howard Jarvis Taxpayers Association to recall the Prop.19 huge property tax increase that many consider a land grab by the State.

By taking away the long-held rights from the 1976 Prop. 58 (voted for by 75.7% of voters), cementing no increase in property tax upon transfer of long held homes (businesses, farms) to family, Prop 19 eats into Prop. 13. Children and grandchildren won’t be able to keep long held property. Worth checking out.

It’s a good idea—after you ensure your own financial needs are covered—to give up to $15,000/yr. to each child and grandchild including spouses. This lowers your taxable estate. There are even ways to increase the amount if one follows the rules.

However, it’s not a good idea to transfer your home, explains E. Reich, CFP, writing online, because the value of the gift (as we’ve seen in CA), can rapidly increase, and when the recipient goes to
sell, the cost basis is the asset's value upon receipt—not sale.
They will be taxed on what their house (or stock) share was worth at time of transfer and which could have sharply increased. Better to gift a cash amount. This particularly applies now, as the current $11.7 Million estate tax exemption until 2026 will then most likely be considerably lowered...if not before.

Bank accounts
If not under a trust or with no named beneficiary after death, bank accounts will have to go through probate—a costly, lengthy and public inconvenience.

Be careful of any small or large sums squirreled away in easily forgotten accounts. Like often-overlooked or long-neglected digital accounts and insurance/annuity policies, personal assets need updates and reassessment as much our personal health records.
And a less costly, but easily missed change, is that first class postage increases to $.55 this October or November. Oops, sorry, better to buy Forever stamps; I seem to have already forgotten which month!
Evelyn (Evie) Preston is a financial columnist for The Scoop and has worked as a financial advisor for over 25 years. She can be reached at 650.494.7443. Her book: Memoirs of The Money Lady is available at
For Senior
Living Housing?

Sue Gibson is with CarePatrol and she helps families find assisted living, memory care, board & care and independent living facilities.

She checks the state care and violation reports and only recommends safe options. She tours with her families to be there to ask and answer questions. She follows up 2, 7 and 30 days after move in to be sure all
is going as planned.

CarePatrol is a FREE placement service. Sue is compensated by the 200+ homes and communities in her network. She is a trained Certified Senior Advisor (CSA) and has helped over 600 families in the past 6+ years. And although she personally covers San Mateo county, there
are over 150 CSAs in her network so she can help you all across the
U.S. with just one phone call or email. 

What people are saying about Sue Gibson and CarePatrol:

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2 bedrooms, 2 baths, 2 car garage,1571 sq. ft.
Overlooking a pond

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Why Live In An Adult 55+ Senior Living Community?
--Carla Griffin, CRS, SRES, B&A Realtors, DRE #0071085

One of the best kept secrets in senior living housing is the Villages Golf & Country Club in San Jose, CA--the only active 55+ adult community in Silicon Valley.

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Gated community for your safety and privacy. Lots of activities, clubs and fun things to do. Prices from $400,000 to $1,000,000+
Your Local
With over 15 years experience right here in Silicon Valley,
I can answer all your questions.

Q: Will the bank own my home?
The bank does not take ownership of your home; they simply extend a loan
to you. You continue to own and live in your home and are responsible for payment of property taxes, required insurance and if applicable, HOA fees.

Q: Do my children/family members lose their inheritance?
No, a borrower may designate an heir of their choosing.The heir(s) will inherit the home after the last surviving borrower passes away and may then choose to keep (by paying off the amount of reverse mortgage balance) or sell the home. Should they choose to sell, any remaining equity after paying off the loan (minus interest and fees) would be theirs.

Q: What is the lending limit of the HECM reverse mortgage?
As of January 1, 2021, it increased to $822,375. Which means it's very likely you can qualify for more money.

To learn more, call me today: 408.722.0010 

Marilyn Brown Ross Branch Manager & Reverse Mortgage Professional

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