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We are grateful for our newest Mission Sponsor, UCHealth! The team at UCHealth is committed to helping PAFC cultivate communities where people of all ages thrive. THANK YOU UCHealth for your support.

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An Editor's Farewell

by Susan Harness


To me, aging means we’ve acquired hard-won wisdom. 


At 65 I no longer put much stock into what people think about me, or how others may try to define how I ‘should’ behave, or what I ‘should’ be doing. What is important to me is adding my voice to our social conversations. And I’d better do it now because time’s running out. I didn’t always feel the pressure of time. But I am highly aware that I no longer say, “Oh, I’ll do that later. When I get time.” Time is the most valuable of gifts.


Lately, I’ve been thinking of the term ‘generations,’ and all the discontent that is spewed between and among their members. The concept of ‘generations’ has really only been a thing since marketing was developed. It was a way to make new products seem more interesting, where they set you apart from your parents, where it made the generation marketed to seem special and unique. But the thing is, I don’t like labels and I never have. I don’t like being described as a Boomer who is merely taking up space. And I don’t believe Gen Z is too young to have made an impact on our society, nor do I think that Millennials (GenY) are self-absorbed, or that Gen X are slackers. 


Creating division weakens us. Which is why I love the conversations that happen between and among different generations, such as the work that is being done by GenHERous 2, a conversation created by PAFC and their partners, which bring seven generations of women together to connect with one another to share stories, advice, and hopes for the future. It’s almost like what used to happen in the communities so many of us grew up in. 


Graceful Aging has given us a beautiful opportunity to explore the deeper ideas, perspectives, and experiences of aging. I’ve enjoyed the writings of the members who offered up their experiences, their expertise, their knowledge of how we move into a part of life that is so often overlooked. There are still so many questions that remain: When have we decided we are old-ish, and what makes us define that age difference? What did we think age was going to look like as young people and how do we feel when we think back to those times? I laugh as I realize at 16 that a person in their 50s was ancient! Lately I’m taking my granddaughter to gymnastics, and out to lunch afterward. There are a LOT of us with grey-ish hair that are sharing that experience of caretaking. How does taking care of your grandchild differ from taking care of your children? So, so many questions and conversations to be had. 


This is my last post as editor of Graceful Aging. It has been a great experience to hear from other women and men on this end of the age spectrum, what they’re learning, hobbies they’re involved with, life situations that require assistance, or require grace. You’ve made me laugh, you’ve brought tears, and through it all I feel such a connection. Thank you for sharing your life experiences.


Now I’m in a transition again, stepping down as editor. I’d like to introduce the new editor of this space, Lynda McCullough, who is a health educator with the UCHealth’s Aspen Club, an organization that provides that provides health education and related services to people 50 and older. I’m looking forward to seeing where this space explores next.


All my best wishes to you, the readers, our writers, and all the people who bring the topic of aging into every aspect of our community, The Partnership for Age-Friendly Communities. 



Susan Devan Harness, author of Bitterroot: A Salish Memoir of Transracial Adoption, and Mixing Cultural Identities Through Transracial Adoption: Outcomes of the Indian Adoption Project (1958-1967) is a member of the Confederated Salish Kootenai Tribes. As a cultural anthropologist, a writer, and an aging person, she is interested in people and their histories. 



Grassroots Engagement in Support of Healthy Aging



On April 18th, PAFC gathered representatives from key sectors throughout the local community for an evening of facilitated small group conversations and creative brainstorming facilitated by the CSU Center for Public Deliberation (CPD). Our goal was to collectively share ideas that might create and model a more age-friendly culture in Larimer County.


Based on previous discussions with local non-profit leaders, we selected six key challenges (information and referral, care management, mobility, affordable housing, volunteer recruitment, and patient education) and asked participants to suggest new possibilities for stronger, more collaborative, community-based engagement in tackling them.


Over 60 participants representing government, faith communities, service providers, service users, retirees, and other interested community members gathered to take up the challenge. No conditions were established that required ideas to be practical or immediately actionable, only that they relate to addressing the identified challenges. This led to lively and productive discussions which were captured by CPD students.


We have published a list of shared ideas and posted them online in a checklist format. You are strongly encouraged to review them! We also encourage you to check off those ideas that seem most amenable to immediate action. PAFC teams will review results of this informal survey and will be considering what potential collaborative projects might emerge.


We will keep you posted!


View Shared Ideas HERE!


A Message from our Newsletter Sponsor,

Andrea Chirich:


The Dilemma of the Low Interest Rate


We are well aware of the news on mortgage interest rates! Gone are the days of the 2.5% or even 4% home mortgages. Currently interest rates are hovering at or slightly over 7% which, while seeming terribly high compared to the last few years, actually is the historical average for mortgage interest rates.


Even with the higher interest rates, the housing market remains tipped in favor of Sellers. Why is that? There are a few reasons, but one of those reasons is homeowners’ fear of letting go of the low interest rate of their current mortgage. Homeowners that are interested in moving may look at the 2.5% interest rate of their current mortgage and decide to stay in the current home instead of moving and

taking on a mortgage with a higher interest rate. That causes fewer homes to come onto the market for sale increasing the shortage of available homes and continuing to tip the market in favor of Sellers.


Life is short and it is important to live the life that works for you! The home you are currently in, although at a great interest rate, may no longer fit your lifestyle, needs or priorities. I would encourage homeowners who find themselves in this situation to chat with a real estate professional and their financial advisor. It is possible that there is enough equity in the current home to sell and purchase the next home mortgage-free, or with a much smaller mortgage. When selling a primary home, the seller can keep $250,000 if single, and $500,000 if married, of profit tax free! The profit is calculated after the purchase price, and much of the updates, maintenance, etc., on the home while it was owned. For example, if you purchased a home for $350,000 several years ago and sold it today for $600,000, profit would be calculated on the sales price, less purchase price, less qualifying repairs and maintenance costs. $350,000 purchase price, plus $100,000 in qualifying repairs and maintenance would bring the total to $450,000. If the house sold for $600,000 whether the Seller was single or married, there would be no tax owed on the profit of $150,000. That may make moving into a new home a viable option.


If interest rates do go down, Buyers that are sitting on the fence will re-enter the market to take advantage of the lower interest rates. That will put upward pressure on house prices. Competition for available houses increases with the influx of new buyers which drives house prices higher as buyers compete. The interest rate may be lower, but the price buyers end up paying for the house may be higher with the competition from other buyers. Remember bids over asking price, covering appraisal

gaps, waiving inspections, and having to submit your highest and best offer 30 minutes after viewing a house for the first time? If you are considering selling your home and buying a new home, taking advantage of the slower pace of the market now and refinancing if needed when/if interest rates lower may be a winning strategy.


I’m happy to be a resource for all things real estate! Questions about your home situation? Please feel free to reach out! I’m happy to share information and insight to help you make the best decision for you.

 
Have a question for Andrea?

Looking to Return to Work? Need a Boost?

 

Are you age 55 or better and looking to re-enter the workforce or make a career switch? Eager to explore new job opportunities, but not sure where to start?

 

If you were adversely impacted by the COVID-19 pandemic, our workforce program may be right for you! Our comprehensive program can help you successfully reintegrate into the workforce by coaching you through key aspects of your own personal Job Campaign, including:

 

·      Workplace values exploration

·      Skills-matching

·      Networking

·      Resume-building and cover letters

·      Social media guidance

·      In-person and virtual interview preparation

·      Job application assistance

·      Tools for integrating into a new workplace

 

Employers in Larimer County are searching for YOU – someone 55+ with the life experience and skills to get it DONE!

 

Complete the form below to learn more!




Learn More!

www.PAFCLarimer.org


info@pafclarimer.org



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