I honestly don't know if you will find a more lovely, comfortable water view home within 60 minutes of Manhattan than 69 Tweed Boulevard in Grandview-on-Hudson (Rockland County/Nyack Schools). You can see the Tappan Zee Bridge from every room! That's why it was featured in Rivertown Magazine as a cover story! Please visit http://www.69TweedBlvd.com or click on the photo below for lots of photos, a virtual tour and all the details, including price. You can also see the YouTube video here.
I'm currently in the process of finding a college for my teenage son. Being a lifelong learner, I get so excited about the opportunities open to him at each center of learning. After seeing Ithaca College, for example, all I could think is "Wow, I wish *I* could go here!"
Well, apparently I can...somewhere down the line. There's an entirely new category of Active Over 55 housing out there that are built on or adjoining college campuses. In conjunction with that houses, participating universities are developing programs just for seniors who either want to pursue their degree or just want to learn for the sake of learning. And one's at Ithaca! Though the southern climes are also calling to me at University of Florida is a possibility too. I could be a senior Gator down the line!
The Osher Lifelong Learning Center is one of the organizations spearheading this movement. . To read more about the new trend in senior housing, please see this link. From that link, here are some of the institutions currently participating:
Anderson University, Anderson, IN. University Village Condominiums. Independent living.
University of Arizona, Tucson, AZ. The Academy Village. Independent living.
University of Central Arkansas, Conway, AR. College Square. Independent living.
Ithaca College, NY, Longview, Residential living.
Lasell College, Newton, MA. Lasell Village. CCRC.
University of Michigan, Ann Arbor, MI. University Commons. Independent living.
Notre Dame, Sound Bend, IN. Holy Cross Village. Independent living, but plans to build nursing care facility.
University of Florida, Oak Hammock, Retirement community.
Penn State University, State College, PA. The Village at Penn State. CCRC.
University of Florida, Gainesville, FL. Oak Hammock. CCRC.
The Forest at Duke, Durham, NC. CCRC.
Various communities developed by Kendal Corporation. All are Continuing Care Retirement Communities. For further descriptions see www.kendal.org.
Rivers Run is an active adult community being developed by Living Communities, LLC and is affiliated with the Rochester Institute of Technology in Rochester, NY. 152 units on 38 acres. http://www.riversrunliving.com/
The University of Georgia is building an 800-home golf community on 1,200 acres.www.thegeorgiaclub.com
Information compiled by Dawn M. Barclay
Photo from www.RollcallWheelchairDance.com
The Hudson Valley has always offered a plethora of choices for activity-minded individuals. Between hiking in Bear Mountain State Park, sailing on the Hudson, fishing, playing golf, skiing and more, it’s a difficult place for sports-minded persons to get bored. The surprising truth is that the same opportunities are available for the physically-challenged as well!
Consider these diverse offerings:
Rockland River Association (RRA) Rowing
While rowing is an intense, demanding physical activity and competitive sport, it is also a very low-impact sport that is suitable for athletes of all agents and abilities. The RRA has an adaptive rowing program and they are happy to grow the program to meet any demand for recreation or competition. They will be offering a Learn-to-Row Day on Saturday, June 7, 2014 at 10am at Rockland Lake (Parking Lot #6) in Valley Cottage. For more information, check out their website at www.riverrowing.org or email firstname.lastname@example.org.
The Helen Hayes Hospital and Nyack Boat Club runs a program in May open to people with disabilities, rehabilitation professionals and volunteers interested in learning more about adaptive sailing. In 2014, this consisted of three parts: an evening program called ‘Introduction to Adapted Sailing’ that reviewed mobility techniques and lifejacket screening; followed an ‘Adapted Sailing Clinic’ on the water, and then the ‘Tappan Zee Challenge Regatta’ where sailors of all abilities competed. All but the final dinner following the Regatta were offered free of charge. For more information, contact Matthew Castelluccio at 845-786-4950 or at email@example.com.
Adapted Aquatics and More
The National Multiple Sclerosis Society New York City- Southern New York Chapter offered an adapted aquatics program from October 2013-June 2014. These water exercises are designed for people living with MS who have varying levels of mobility, including those who use walkers, wheelchairs, canes or other assisted devices. The class is taught in shallow water in a group setting with an emphasis on fun and independence. All registrants must have bowel and bladder control in order to participate in the program. A chairlift is available. The MS Society also offers Wellness Programs in Rockland, Putnam and Westchester and can even connect you to a program of HERO (Help Expand Recreation Opportunities) Adapted Tennis. You can read about this here. (http://www.usta.com/Adult-Tennis/Adaptive-Tennis/Information/hero_inc_expanding_tennis_opportunities/ ). For more information, please contact the MS Society Westchester County in White Plains, NY 10604 at 914-694-1654 or Email: firstname.lastname@example.org.
Flying with hand controls
Freedom’s Wings International (FWI) offers an all-volunteer recreational program for disabled individuals who wish to experience flight in a glider. FWI's goal is to acquaint physically challenged persons with soaring, and then to teach those with the desire and capability to actually pilot a glider using hand controls when he or she does not have the use of both legs. Individuals of all disabilities can arrange flights in sailplanes/gliders which have no engines. These gliders are towed into the sky by a regular airplane and then released for a quiet glide back to the airport, or when conditions permit, sailplane pilots sustain flight by using natural currents in the air.
Since FWI is not a commercial organization flights are arranged by contacting FWI to be included in a scheduled event or individually as personnel/resources/weather allow. A free, introductory flight usually lasts 20 minutes; an instructional flight, where pilot and student work to gain altitude by riding rising thermal currents may last as long as two hours. Flights are operated primary out of Blairstown Airport in northwest New Jersey and Van Sant in Bucks County PA. Contact Freedom’s Wings International at 800-382-1197 or by emailing email@example.com. Their website is www.freedomswings.org and on Facebook as "Freedom's Wings International - disabled sports, flying".
The Therapeutic Equestrian Center, located in Cold Spring, features an individualized program of learning how to ride a horse, taking into account a person’s strengths and limitations. Goals include improved physical strength, balance, mobility and coordination, increased attention, concentration, learning and verbal skills and improvements in self-esteem, self-control and confidence. Also offered is Hippotherapy, a physical therapy done by licensed occupational, physical and speech therapists who have been trained to use the natural movement of the horse to help riders regain physical strength, mobility and coordination. Other equine-assisted therapies include non-riding activities such as learning to care for the house through feeding and grooming. For more information, call 845-265-3409, visit their website at www.myfeettakewings.org or contact Sanya Gudim at firstname.lastname@example.org.
Helen Hayes Hospital’s Adapted Sports & Recreation programs include an Adaptive Fishing Clinic at Lake Hessian, Bear Mountain on June 28, 2014 from 9:00am-12:30pm. All equipment will be provided if needed, as well as food and refreshments. Pre-registration is required. Handicap-accessible bathroom facilities are available. Contact Matthew Castelluccio, Adaptive Sports Coordinator at 845-786-4950 or email email@example.com.
New Life Van, Auto and Truck Modifications is sponsoring a special wheelchair/airsoft league and games. Participants will enjoy tournament-grade fields with referees, lessons, mask rentals and paintball markers with 500 rounds of paintballs or airsoft markers and 500 bb’s included. Further chest protection is available if requested. The cost per person is $40.00. The fields and rental shop are located at Montgomery Sporting Goods, 300 Bart Bull Road, off of Route 211 in Middletown, NY. Pre-registration is required. Please call 845-361-1244 or email firstname.lastname@example.org for more information. Website is at www.newlifemod.com.
Skiing and Snowboarding
The mainstay of the Adaptive Sports Foundation’s Winter Program is alpine skiing, though adaptive snowboarding is also offered. For skiing, students check in for their lesson, are fitted for their equipment, and meet their instructor in the Adaptive Sports Center at the same location. The slopes of Windham Mountain are easily accessed just out the door of the Center. People with cognitive or physical disabilities who are five years or older can participate. Winter season information for both skiing and snowboarding will be posted after Labor Day at http://www.adaptivesportsfoundation.org/programs/winter-programs/skiing/. Contact them at email@example.com.
On Friday, May 30th, Burke Rehabilitation Center will host its 18th annual Learn to Golf and First Swing Clinic in Elmsford, NY at the Fairview Golf Center. The afternoon (12pm-3pm) will feature a clinic designed to provide individuals with disabilities the opportunity to learn adaptive techniques for playing golf. All participants with disabilities who attend will receive one-on-one instruction with a trained professional. For more information and/or to register, please contact Deirdre Otto, CTRS, LMT at 914-597-2355 or by email at Dotto@burke.org.
Looking for an indoor sport? Roll Call Wheelchair Dances teaches participants to let dance open the door to a whole new world of excitement. From an initial single dance event in 2010, the program expanded to 9 parties, workshops and events in 2013. Those with manual as well as motorized wheelchairs and scooters can participate, dancing with each other or able-bodied participants. Roll Call’s home base is Nyemchek’s Dance Centre in Pearl River. For more information and current schedule of events, call Diane at 201-391-9498 or email firstname.lastname@example.org. Their website is at www.RollcallWheelchairDance.com.
Harvard’s Joint Center for Housing took a close look at housing for older adults in its recent study, Housing America's Older Adults—Meeting the Needs of an Aging Population.
One conclusion is that housing is the linchpin of well-being for older Americans.
“Affordable, accessible, and well-located housing is central to quality of life for people of all ages, but especially for older adults (defined here as 50 and over),” according the report.
For older adults, housing has an impact on everything from their financial security and personal safety, to their ability to remain independent and avoid heading to institutional settings prematurely. You likely knew all that already.
But the study also finds that the country is ill prepared to meet the housing needs of a demographic group that is set for explosive growth.
Here’s what that growth will look like.
By 2030, the population aged 50 or over will increase to 132 million, with most of that growth concentrated among those aged 65 and over. The retirement of the leading edge of the baby boom is projected to nearly double the number of adults aged 65 to 74 from 21.7 million in 2010 to 38.6 million in 2030.
What’s missing to allow people to age in place happily and successfully? Some entail policy decisions that are beyond any one individual’s control and include providing greater funding for housing assistance programs, making cities more age friendly, and putting programs and services in place that increase overall wellness.
Though the study’s conclusions are pretty alarming, you can do some things to ease your own housing-related challenges associated with aging.
1. Home accessibility. Even if you have no disabilities right now, plan for a time when you’ll be frail. If you’re moving, put accessibility and universal design features on your priority list. And if you’re planning to stay where you are, start incorporating aging-in-place features now. For information, see http://www.aarp.org/livable-communities/info-2014/aarp-home-fit-guide-aging-in-place.html and http://www.nahb.org/generic.aspx?genericContentID=89934.
2. Housing costs. Closely examine your finances and consider downsizing to reduce your housing costs, especially if paying the mortgage or rent is already a stretch. The study found that high housing costs currently force a third of adults 50 and over – including 37 percent of those 80 and over – to pay more than 30 percent of their income for homes. Some seniors cut back on food and health care to afford their housing. And among those aged 50 to 64, some cut back on retirement savings to pay for their housing.
3. Long-term care. Factor in the sky-high costs of in-home and nursing care, and if you’re younger, consider a long-term care policy. According to the report, in-home care for older people is pricey, and the median monthly cost for 30 hours of weekly service is between $2,500 and $2,600.
4. Age-friendly cities. Especially if you’re living in a rural or suburban area, think about what would happen if you couldn’t drive to do your errands, visit friends, and get to recreational activities.
So when you’re moving, consider whether your future city or town is age-friendly and has accessible transit and pedestrian-friendly features that will allow you to move around freely if you can no longer drive.
For more on age-friendly cities, see the World Health Organization’s Global Network of Age-friendly Cities and Communities www.who.int/ageing/projects/age_friendly_cities_network /en/ and its checklist of essential features of age-friendly cities www.who.int/ageing/publications/Age_friendly_cities_checklist.pdf?ua=1 Also check www.walkscore.com to measure the walkability of a given city or address.
Take four minutes
So here’s a video, www.youtube.com/watch?v=9Jk2Lb3EptY&feature=youtu.be, that’s worth four minutes of your time.
Young people + seniors + technology training.
Are You Researching Colleges For Your Children?
Wondering How to Pay the Tuition?
Concerned about Adjusting to Life After the Kids Move Out?
This Free Life Transitions Seminar Could Help!
Where Should They Go? How Will We Pay? And Then What?
Hosted by Dawn M. Barclay, Licensed RE Associate Broker
Keller Williams Hudson Valley Realty
July 22, 2014
Keller Williams Hudson Valley Realty
Technology and Training Center
340 South Main Street, New City, NY
Jane Kurz Klemmer, MBA, owner of Klemmer Educational Consulting, LLC
Discussing how to identify colleges that are appropriate and how students can best present their qualities and credentials to maximize their options.
Barry Silverman, Financial Planner with MassMutual Financial Group-Westchester
Discussing the forward thinking and planning needed now to cover ever-increasing college tuition costs and fees which have, in the last 10 years, increased between 28%-50%
Pat Miller, Founder and President of Coach for Well-Being, Inc.
Discussing how students can best handle the transition to college and how parents can best adjust to fewer family members at home and possibly a transition to an empty nest.
RSVP by July 20th
I had an email conversation recently with a lovely couple up on Orange County who were upset that their home wasn’t getting any viewings, much less offers. I advised them that we needed to lower the price; that it was clear that our price was being visibly rejected by the house-buying public. They thought about that and wrote back, “We don’t think price is the reason no one is coming. We have a unique house in an area with lots of homes for rent and for sale.”
It occurs to me that many home sellers believe the same thing—that all real estate agents know is how to lower a price and there’s no rhyme or reason behind it. And it’s that thought that inspired this blog.
First, sellers should never get too attached to a price, even one that their agent initially put on the home. The best we can do is estimate value based on similar homes that have sold in the past three to six months. We need to try and replicate the thought process that bank appraisers themselves use when determining if they will give your prospective buyers a mortgage. Unless we are purchasing it ourselves, we can, in no way, guarantee value. Market value is determined by what a purchaser is ready, willing and able to pay in an arms-length transaction. We can estimate, we can predict a range, but we are not clairvoyant, nor are we magicians who can suddenly create value to compensate a seller for what they “put into the home” or to cover the amount of their mortgage. To quote an overused saying, “It is what it is.” If you bought Disney stock at $65 a share and when you need to sell it, the price is $49 a share…can the stockbroker get you a better price? Real estate works the same way.
The best way to come to terms with a price that might be lower than what you were expecting for your house is to put yourselves in the mindset of a buyer. In many cases, you too will be purchasing a new home right after selling your current one, and even if you’re downsizing or have all the money in the world and are buying a larger or more lavish home, it’s likely you will still want to get the best value for your buck.
Consider the six reasons homes don’t sell and which ones can be changed:
1) Location: Take two identical houses, one that’s in a lovely upscale neighborhood and the other on a double yellow-lined street next to a cemetery. What will cause the second house to sell first? Price. And unfortunately, the location of a house is a feature that cannot be changed.
2) Condition: Take two houses on the same street with identical amenities except one has been well maintained and the other is outdated and in disrepair. What will cause the second house to sell first? Price. The same holds true for the typical house versus the one with the unusual, quirky layout. Buyers will adjust their teste and preferences if a deal is just too good to be true.
Luckily, condition is something that can be changed and if you are willing to bring the home up to “selling standard” (new windows, new roof, updated kitchen and baths, refinished floors, landscaping) it will likely sell faster or for more but it’s unlikely that you’ll recoup every dollar of the investment.
3) Access: Take two identical homes located right next to each other. One has a lockbox is easy to view. At the other home, the owner is requiring their agent to show the home personally and is only available to be seen at odd hours with 48 hours’ notice. It’s likely that the home with easy access will sell first unless the second home is priced so attractively that buyers refuse to let that good deal get away. Luckily, this is a condition that can be changed by sellers so it’s easier for buyer’s agents to show the home.
4) Market Condition: In a down market, the houses that will sell first are the ones that are priced too attractively to ignore. Market Condition is something that only time can change.
5) Marketing: There’s an old saying that you can’t sell a nickel for a dime. Great marketing is vital to expose a home to the buying public but when a house is priced right, it might sell on the first day it’s offered, without all the bells and whistles an agent can provide. Conversely, a home that’s overpriced won’t sell, even if the agent takes an hour-long advertisement during the Super Bowl. All that extra marketing will do is announce to more people that the home is overpriced. A seller can certainly ask his or her agent for better pictures, staging and more advertising but the very best marketing advice the agent can provide is an accurate price for the home.
6) Price…yup, it all comes down to price. The price has to be right for the condition and location of the home, with the amenities it has versus those of competing and already-sold homes. Is that “giving the house away?” Not at all. It’s being realistic. Insisting your house is worth thousands more than what similar houses have sold for will do nothing more than cause you frustration and a lot of empty Open Houses. If you add amenities and improve condition, you can likely charge what competitors are charging. And just as you, as a new buyer, will evaluate every house you see against its competitors in order to get the best bang for your buck, that’s how your potential buyers are evaluating your home.
Here’s an informal rule of thumb: you should expect to get one offer for every ten showings, even if it’s a lowball offer that an agent can negotiate out for you. If you are receiving a lot of showings but no offers, you’re provably 4%-6% overpriced. Very few showings, no offer—you’re off by 6%-10%. And no showings (and obviously no offers), your pricing may be off by 10%-12%.
A marketing plan is a fluid document, it changes as the market changes. If you are the only home for sale in the area and you’re priced at $350,000---and then the next day, four houses come onto the market and are priced from $300,000-$340,000, then conditions have changed and a new Comparative Market Analysis is in order. Don’t assume you can price the home and just let it sit. Also don’t assume that the best course of action is to start high so there’s “room to come down” later. More about that in a future blog.
Dawn M. Barclay is a Veteran Lic. Real Estate Associate Broker (NY) and Realtor-Associate (NJ) with Keller Williams Realty,