Why are you really moving?

What is actually driving you to make a decision right now to downsize?

1. Do you WANT to move, or do you feel you HAVE to move? When a senior contacts me about making a move, there are only 2 broad reasons that they are considering a move: they WANT to move to be closer to family, shopping, or to down- size, etc. The other reason is because they feel they HAVE to move due to health, financial, or other reasons. Discovering the real reason for your anticipated move will allow me to help you the best I can.

2. If you could stay in your home, would you? As an Accredited Senior Agent (ASA), I have learned of many programs that available to assist seniors in staying in their homes. These range from financial assistance for renovations that make the property more compatible to your changing needs, to in-home health care, meal delivery and much more. As the number and details of these programs are constantly changing, you need someone on your side who is in tune with these programs.

3. Have you researched all your options? . . . Many people I meet, are amazed at the range of options they have open to them when it’s time to make a move. For those, both homeowner and Realtor®, who do not focus on these options, the array can be overwhelming and add stress to an already emotional time. As an Accredited Senior Agent, I am trained and up-to-date on what the options are here, and have a network of similarly-educated professionals across the country who can help you if you are moving away.

4. Who are you getting advice from, about your living situation? . . . Family, friends, neighbours – they all mean well, and chances are they all have differing opinions. This often leaves you

feeling confused about what is best for you, while you try to keep everyone else happy too.

Well, don’t worry. I understand how you feel, and believe me when I say that many others in your situation have felt the same way. What they have found, however, is that having a knowledgeable counsellor, such as an Accredited Senior Agent, on their side goes a long way towards relieving the stress. At the same time, the ASA training helps me assure your ‘advice-givers’ that you are making good choices for you.

5. Is your Will up-to-date? . . . Studies show that some 48% of Canadians do not have a Will. Of the 52% that do have one, 75% of those are out-of-date. Getting this taken care of will alleviate pressure from you and ensure that your wishes are followed in the future. As an Accredited Senior Agent, one of the values I bring to you is a network of exceptional specialists, including lawyers who can prepare a Will for you if you don’t have one.

6. Do you have professional advisors? . . . A lawyer, accountant, tax planner? While everyone’s need for these professionals is different, there’s a good chance that we’ll be interacting with one or more of them as we move forwards. It will be helpful if you can give me their names and phone numbers when we meet. If you need a referral to an expert, I have some great people that I can recommend to you.

7. When was the last time you sold real estate? . . . . Things have changed significantly over the years, and continue to do so. I’ll take the time to make sure you are comfortable and informed, so you can make the best decisions for YOU. Even if that means you decide to stay where you are for now. As a counsellor, my primary role is to assist you (and anyone else you want involved) in coming to the best decisions for YOU.

8. What questions do you have for me? . . . When a question pops into your head, jot it down. You’ll notice when we sit down together that I will have a list of questions prepared and that I will be taking a lot of notes. I do this to make sure I don’t forget anything. I’ll even give you a copy of my notes for your convenience and reference.

I have received the Real Estate Academy designation ASA,which stands for Accredited Senior Agent. For mature buyers and sellers, there are special needs inclusive of needing knowledge of taxation and estate regulations. I am patient, I work with individuals and their family to always put their needs first. I am dedicated to negotiating the best possible deals for my clients.

The professional training and education I received earning the ASA allows me to represent sellers and buyers who need someone who understands their special interests.

Thank you to Christopher Newell and the Real Estate Academy that has developed the material and content for the Accredited Senior Agent Program. Please feel free to avail yourself of the video library. Call me at 647 218 2414 to arrange a personal visit or email david@davidpylyp.com.

Why are you really moving?

What is actually driving you to make a decision right now to downsize?

1. Do you WANT to move, or do you feel you HAVE to move? When a senior contacts me about making a move, there are only 2 broad reasons that they are considering a move: they WANT to move to be closer to family, shopping, or to down- size, etc. The other reason is because they feel they HAVE to move due to health, financial, or other reasons. Discovering the real reason for your anticipated move will allow me to help you the best I can.

2. If you could stay in your home, would you? As an Accredited Senior Agent (ASA), I have learned of many programs that available to assist seniors in staying in their homes. These range from financial assistance for renovations that make the property more compatible to your changing needs, to in-home health care, meal delivery and much more. As the number and details of these programs are constantly changing, you need someone on your side who is in tune with these programs.

3. Have you researched all your options? . . . Many people I meet, are amazed at the range of options they have open to them when it’s time to make a move. For those, both homeowner and Realtor®, who do not focus on these options, the array can be overwhelming and add stress to an already emotional time. As an Accredited Senior Agent, I am trained and up-to-date on what the options are here, and have a network of similarly-educated professionals across the country who can help you if you are moving away.

4. Who are you getting advice from, about your living situation? . . . Family, friends, neighbours – they all mean well, and chances are they all have differing opinions. This often leaves you

feeling confused about what is best for you, while you try to keep everyone else happy too.

Well, don’t worry. I understand how you feel, and believe me when I say that many others in your situation have felt the same way. What they have found, however, is that having a knowledgeable counsellor, such as an Accredited Senior Agent, on their side goes a long way towards relieving the stress. At the same time, the ASA training helps me assure your ‘advice-givers’ that you are making good choices for you.

5. Is your Will up-to-date? . . . Studies show that some 48% of Canadians do not have a Will. Of the 52% that do have one, 75% of those are out-of-date. Getting this taken care of will alleviate pressure from you and ensure that your wishes are followed in the future. As an Accredited Senior Agent, one of the values I bring to you is a network of exceptional specialists, including lawyers who can prepare a Will for you if you don’t have one.

6. Do you have professional advisors? . . . A lawyer, accountant, tax planner? While everyone’s need for these professionals is different, there’s a good chance that we’ll be interacting with one or more of them as we move forwards. It will be helpful if you can give me their names and phone numbers when we meet. If you need a referral to an expert, I have some great people that I can recommend to you.

7. When was the last time you sold real estate? . . . . Things have changed significantly over the years, and continue to do so. I’ll take the time to make sure you are comfortable and informed, so you can make the best decisions for YOU. Even if that means you decide to stay where you are for now. As a counsellor, my primary role is to assist you (and anyone else you want involved) in coming to the best decisions for YOU.

8. What questions do you have for me? . . . When a question pops into your head, jot it down. You’ll notice when we sit down together that I will have a list of questions prepared and that I will be taking a lot of notes. I do this to make sure I don’t forget anything. I’ll even give you a copy of my notes for your convenience and reference.

I have received the Real Estate Academy designation ASA,which stands for Accredited Senior Agent. For mature buyers and sellers, there are special needs inclusive of needing knowledge of taxation and estate regulations. I am patient, I work with individuals and their family to always put their needs first. I am dedicated to negotiating the best possible deals for my clients.

The professional training and education I received earning the ASA allows me to represent sellers and buyers who need someone who understands their special interests.

Thank you to Christopher Newell and the Real Estate Academy that has developed the material and content for the Accredited Senior Agent Program. Please feel free to avail yourself of the video library. Call me at 647 218 2414 to arrange a personal visit or email david@davidpylyp.com.

Hearthstone by the Bay - Retirement Condos

Community Profile 3 Marine Parade Dr., Hearthstone by the Bay.

Hearthstone by the Bay is a retirement and home care facility that is ahead of its time, located on the shore of Humber Bay in Toronto. [Etobicoke] Here you have all the services available in a nursing home, made available in a TSCC standard registered Condominium. With complete meal and wellness packages you only pay for the services you require, and add a la carte as you need or want more services. This permits you to budget and plan expenses and cash flow. This building was profiled years ago during the presentation phase, it is truly magnificent to walk through the finished product. There are new units still available as well as openly traded units on the MLS. Call for details and availability.

Our aging demographic makes this style of construction and combination of services a very timely product in Toronto's crowded condominium market. Back grounder from May's Lifestyles Magazine talks very plainly about the shift towards the benefits of condominium ownership, maintaining your privacy and independence yet availing yourself of the care and assistance that is available at Hearthstone by the Bay.

This not only encompasses food services, The dinner and lunch packages available at the Hearthstone Club permit you to bring invited guests or family members, the Club table is expanded according to your needs by merely calling to the front desk conceirge. Wellness Packages can include a Daily Home Helper, Personal Value Care, or Personal Assisted Living Plan. Each is an individual plan tailored to your needs by the skilled and helpful staff at Hearthstone. All features within the suite are designed to be age, design specific, grab bars in the bathroom and shower, raised power outlet and light switch paddles, Paddle style door knobs, 24 hour monitored smoke and fire alarm and ensuite laundry.

All the usual amenities appear plus;

• Formal Meeting Rooms, Internet Stations, Solarium
• Well Stocked and Read Library with soft leather couches and gas Fireplace
• Yoga or Fitness - Swimming Pool with Resistance equipment
• Wheel Chair Accessible
• Convenience Shop
• Sundeck area Patio
• Exercise Equipment in Gym
• Scheduled Excursions
• Movie Theater that doubles as Meeting and Worship Room.
• Nursing Station
• On Site Exam Rooms
• Barber, Hair and Beauty Salon

Have a look through the photostream for on site pictures. The Customer Relations Manager Jane Udell Jones provided a detailed and patient explanation oF services and features of living at Hearthstone By The Bay. I was pleased to note that Ms. Udell Jones was a specialist with a degree in Gerontology. We understand from the details provided that the average age of current population is 71 years young and socially active, making new friends.

If you are considering a downsizing package for Mom or Dad, and you see years of condominium living for them prior to a nursing home, a centrally located condominium complex with Independent and/or Supportive Living Retirement Residence may be a good selection for you to consider. Give us a call and we can arrange an interview for you. Trial stays can be arranged for a few days or a few weeks.

My AGING Mom and Dad

When will you Talk with Mom and Dad about Downsizing.

We have all seen the television commercial that coined the phrase "Help, Help I've fallen and can't get up and the elderly woman reaching for a lifeline necklace to alert an ambulance." The reality is that we have always deferred our decisions to the greater wisdom that our parents possessed.

There will come a time or it is already here that requires you to deal with some direct and vital issues.

You need to ask the serious questions before...

• Their mobility and memory has been impeded.
• There has been a catostrophic event - slip or fall
• There a medical emergency - Heart attack or Stroke

In my personal life, I was recruited to serve my Father, for a period of five years. The episode began begrudgingly but in hindsight provided the best memories of my Dad and happier moments. I did not expect to alter my perspective of asking his advice to changing his diapers within a two year span. Yet the financial realities of elder care and the direct cost of nursing homes or assisted living centers needs us all to reevaluate how we will deal with these issues.

Research the Population Numbers

By 2011, more than 1.3 million Canadians will be over the age of 80. Boomers and their aging parents need to be talking to a financial advisor or planner about their options to ensure financial security in times of death, disease and disability.

By 2021 it is expected that the senior population in Canada will be 6.7 million and 9.2 million in 2041, or nearly one in four Canadians. You need to be talking to your parents now. As a Boomer just reaching -- or about to reach -- retirement, you are probably seeing your children out the door on their way to begin their lives but at the same time you may be now, or in the future, responsible for new dependants -- your parents. Medical and nutritional advances mean that the fathers of boomers can expect to live to 90, while their mothers can expect to live to 95. That means there is every chance Boomers will spend more time looking after their parents than their parents did raising them. Source FORUM, May 2008, Aging Opportunity

So, Who can Help Guide you?

There are some really great resources out there. I was in contact with Dr. James Watzke, a gerontologist and Christine Flegal, a gerontologist in the Living Laboratory at the B.C. Institute of Technology who have assembled a Guide both for you as the aging Boomer but for you to initiate the conversations with Mom and Dad while you are home over the holidays.

• Download your free Boomer kit now
• Download your free seniors kit now
• Download a NEW information sheet - Tips to Keep Healthy, Mobile and Independent

BCIT's Mobility Now You're Going Places Program, Christine Flegal/BCIT Funding for the BCIT Mobility project was provided by the Public Health Agency of Canada, BCIT, in collaboration with Weber Shandwick Worldwide.

The Region of Peel has taken a different step in that they are outlining and explaining the different options that are available to you locally; from adding a room within your own home,

A Guide to Housing Options is available through my office or can be downloaded at

• Housing Options Online

When you are next home for a visit; take a look around. You may need to nail down a few carpets that could make them trip, discuss a more suitable walker or cane. Ask where the Wills and Power of Attorney Documents are kept and if they are up to date.

Crisis management does not permit forward thinking.

Call me for a personal home visit and discussion. How can I help you?