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Do You Elderly Care?

My mom turned 96 last week while taking blood samples for a routine check.  Don’t get me wrong, I am eternally grateful she made it this far.  All the sacrifices she made while I was young to support me through college, and all the tireless hours before that raising me, I could go on.  It is my turn to take care of her in her old age, especially after my dad passed away 6 years ago.

When I first started caring for her, she had an almost impossible situation.  She had been using a wheelchair for awhile and her leg muscles atrophied into almost bone sticks and her home care staff cannot lift her out of the chair or standing up, let alone walking on her own.  I asked if she would rather stay difficult to care for, or would she be willing to put in effort to become self-sufficient.  She chose the latter and so we began rehabbing.  6 month later she gained some flexibility and leg muscle growth, another 6 months later she could walk on her own with a walker and do some simple exercise on her own.  

I was really proud of her and glad I took the time to help rehabbing her.  But almost a century old standard of hygiene, living without modern conveniences, makes communicating between us really difficult.  Did I mention she is almost blind with macular degeneration?  So learning new things and using the technology is difficult for her.  I tried several times to show her what technology can assist in vain.  Regardless, I wonder how much more time I would have with her and just hoping to keep her healthy for as long as I can.  What has your elderly care journey been like?  Like, Comment, Share and Follow, Thanks,

Blood work on her birthday!

Over 55? Disabled? Fire Victim? – Prop19 is Here

Find out what property tax relief just went into effect today (No April Fool) for a portion of Californians. In a nutshell, being able to move the lower property tax base to a new home provides relief as a buyer. Consult CAR site www.Prop19.car.org or your real estate attorney for details.

This legal change may encourage some seller to choose to move, and buy again, so potentially could increase some inventory and still allow the seller (now as buyer) to take advantage of the lowest interest rate seen in years. Spread the news to this group of homeowners and see if they would consider taking advantage of the new law. Please comment, like, share, and follow. Thanks,

Moratorium Extended – What it Means

Straight from NAR (National Association of Realtors), The Centers for Disease Control (CDC) announced today that it is extending its nationwide eviction moratorium through June 30, 2021.  Even though it is good news for renters, and mom-and-pop property owners, it is not a free ticket to not pay rent nor waives the eviction due to other reasons. And this also means that for the renters planning on using the moratorium, to have a good write up to provide to the landlord. And the landlord will need this declaration along with their own write up to protect themselves. The original article follows:

The order was put into place Sept. 4, 2020, but has been challenged in court across numerous states and localities in the months since. In addition to the court challenges, the National Association of REALTORS® has fought successfully for federal rental assistance—and will continue to advocate to ensure the moratorium doesn’t lead to a spiraling crisis for housing providers and tenants.

“NAR helped secured $25 billion in 2020 and another $21.55 billion earlier this month in federal rental assistance funding, which can be paid directly to property owners,” says Shannon McGahn, chief advocacy officer of NAR. “This was critical to averting a multifamily real estate crisis, as many of our nation’s housing providers are mom-and-pop operations. Our focus now turns to ensuring there is not just enough funding but also a smooth implementation of rental assistance while the various challenges to eviction bans work their way through the courts.”

Under the terms of the CDC order, residents must declare that they have pursued all appropriate government assistance; met certain income and employment requirements; and are using best efforts to make timely partial payments, among other qualifications. Today’s announcement expands the order to include people “who are confirmed to have, who have been exposed to, or who might have been exposed to COVID-19 and take reasonable precautions to spread the disease.”

Covered persons must now provide their housing provider with a copy of a signed declaration form stating that they meet the requirements to be a “covered person.”
 
As with previous CDC orders, property owners may still evict tenants due to criminal activity, damaging property, or for violating other contractual obligations.

“Rental assistance averted two crises—one for mom-and-pop property owners who did not have a reprieve from their bills and relied on their rental income and one for tenants who would have been responsible for months of back rent when the eviction moratoriums expired,” McGahn says. “We must continue to look for ways to protect tenants and property owners from further financial turmoil while ensuring housing in America remains safe and stable for decades to come.”
 Read the CDC order.
 Read NAR’s Coronavirus: Housing Provider FAQs.
 See all NAR resources related to COVID-19 at nar.realtor/coronavirus.
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RIP – Karen Pang

Modeling and fitness world is reeling from the sudden loss of Karen Pang, who tragically died in a snowmobile accident yesterday. I follow many fitness trainers and found out this morning. So young and so much living to celebrate, RIP Karen and my condolence to the her family and friends.

Life is unpredictable and sometimes one cannot plan when/how it ends. Assuming you know you only have a year left, or 3 months, a week, what would you be doing? Tomorrow or accident, which might visit first? Perhaps that may help to see your own priorities in life. Let’s treasure our time in this life time and do things that leaves no regret. Please, comment, like, share or follow. Thanks,

How to Choose a Life of Possibilities

When I was 17, I was in Japan happily going through Japanese educational system but even back then, I could visualize what my life would be like at 35.  Predictably, a mid-level manager in a large Japanese company handling overseas business.  So when I had an opportunity to come to the US, I jumped at the chance.  So much unknown, and so many possibilities.  I loved the challenge of the unknown and can feel my blood pumping in my body to thrive in a new environment.  

Then later in my life, I hit another crossroad, this time in my personal relationship as I pondered a path of security and affluence vs. the unknown and new possibilities.  Again, I chose the life of possibilities and left my second marriage.

The ever learning and improving of our lives, seeking possibilities, it keeps me young and on my toes.  I am the same person as I was at 17, but also a wiser and more improved version of myself.  At some point, I will lose the I and be one with the universe. It is never too late to take a different path and discover the possibilities in your life.  Please comment, like, share or follow!  Thanks, 

photo of pathway surrounded by fir trees
Photo by James Wheeler on Pexels.com

Pandemic Real Estate Market

There are obvious additional difficulties in conducting real estate activities throughout the pandemic.  As you can imagine, no open house is allowed under state-wide order now, so seeing a property takes coordinated effort between the listing and buying agent, taking care to follow all pandemic procedures.  This means masks, and a sign in system recording all visits to the subject property.  And many property showings turned virtual, with a zoom call with an agent walking through the property to show and answer questions.  On the other hand, real estate is still considered essential through the pandemic since we still need to consider moves.  With  the very slim availability, and the usual multiple offers, it is a battlefield to just get into the top 3 offers being considered.  At the end of the day, when your offer is the one being accepted, it is a well deserved celebration. 

Please comment, like, share or follow.  Thanks,

Photo by Binyamin Mellish on Pexels.com

Ps:  If you are interested to see what the market is like, here is the link to my real estate page https://michaelchu.exprealty.com/  Here you can see what your property might be worth, and also listed homes in the area you are interested in.  

First Time Home Buying

Since home buying is the largest personal purchase for most people, the first time will be the most overwhelming.  You do want to go into a home buying experience with expert guidance to avoid any major issues and smooth out the impact of the minor ones.  To help new home buyers, here is just a non-exclusive list of things to look out for.  Happy house hunting!

1st Time Home Buyer Checklist

  • Cash purchase or financing?
    • Have you spoken to a lender recently?
    • Do you have a preapproval letter?
    • Have you kept up a good credit score?
    • Who can help you with down payment?  Did the transfer/gift letter season?
    • Special financing options for 1st time buyer
    • Less conventional financing
  • Do you know what type of property you want?
    • Hoa or no hoa?
    • Yard? Distance to work, family
    • Appreciation potential
    • What is tax deductible?
    • Neighborhood crime statistics
    • Age of property/maintenance budget
  • What’s market like today?
    • Seller market currently, multiple offers is the norm
    • How to make you stand out
      • How much above listing?
      • Escalation clause
      • Other methods
    • Write offer with inspection contingency
    • Offer negotiation (may need to accept counter offer)
    • When offer is accepted, more work starts
  • Buyer checklist/time table
    • Why is appraisal important
      • If higher than, its great; if its lower than purchase price, we have work to do
    • Other contractual/escrow obligations
      • Open escrow, order title report
      • Complete inspection within and determine if anything needs attention
      • Ensure all financial obligations met and collected all necessary disclosures
      • Close of Escrow date set
      • Verify repair work/title issue included in contract is completed and accepted(if specified)
      • Understanding closing statement and buyer expenses
      • Monitor close process until close date, obtaining signatures as required
  • Smooth Close/Key turnover/Celebrate
    • Post-close checklist

      Please comment, like, follow or share! Thanks,
Photo by Binyamin Mellish on Pexels.com

Finicky Things About Face (面子)

Many Asian will tell you the teaching of being selfless is the ultimate state of bliss, and on an intellectual level, it seems to make sense.  After all, if we are one with the universe, nature, human world, we won’t have anything to worry about right?  Life is nothing but a series of struggles, pain and suffering.  Among the bunch of causes for all the suffering, consider the popular adage of losing face, which is one of the values I grew up with intimately.  

Many aspects of our human societal norm is based on keeping face, such as keeping up with the Jones, what school kids are able to attend, how much money we make, what car we drive, what neighborhood we live in.  Further, in our relationships, with our spouse, kids/parents, co-workers, boss and others, when we have disagreements, we are probably subconsciously thinking how it looks to yield, and instinctively maintaining one is right.  To continue to keep the face, we deploy all of our resources and attention in defending our position and conflict arise.  Anger, disappointment and resentment follows and we go down the whirlpool of vicious cycle.  How can we be happy? 

In a way, letting go of our face can suddenly bring ourselves back into the state of bliss and away from pain and suffering.  Your world and sphere of influence can move towards a better place.  If one person can do this and help others realize to practice letting go of the face, wouldn’t we be realizing the state of bliss for everyone?  Please comment, like or follow, thanks!

What’s your vibe score?

Vibrational frequency is widely discussed as how we feel and interact with each other and the world.  But what is the gamut of frequencies? Although precise definition could open debate for days, some general consensus might be along these lines:

Main AttributeFrequencyState 
Enlightened(開悟)700 – 1000Oneness, Selfless
Calm(平靜)600Perfection, Peace, Serenity
Joy(喜悅)540Optimistic, Compassionate, Patient
Love (愛)500Beauty in Life, Happiness
Reason(理智)400Wisdom, Creativity
Forgiveness(寬容)350Understanding no right/wrong
Initiative(主動)310Sincerity, Friendly, Openness, Growth
Content(滿意)250Trust, Vitality, Sense of Security
Courage(勇氣)200Living in the moment, Confidence, Affirmation
Pride(驕傲)175Over Inflated Ego, Resisting Growth, Arrogant
Anger(憤怒)150Hate, Corroded Spirit, Complaining
Wants(慾望)125Addicted, Greedy
Fear(恐懼)100Oppressed, Anxious, Withdrawn, Blocking Growth
Sadness(悲傷)75Lost, Dependent, Pessimistic
Callousness(冷淡)50Hopelessness, Self Abandoned
Regret(內疚)30Anguish, Self Balming, Self Denial
Shame(羞愧)20Near Death, Closed Off, Serious Mental Health

For me, I hover between courage and love, mostly weighted toward lower rather than higher frequency.  It will be lifetime’s work to move towards higher frequency so we fulfill our life purpose and be happier.  Let’s all be more aware of the vibe score and how to improve it.  Even if we had a lower score in the past, now is the time to reassess how to go higher.  We can all improve.  Please comment, like or follow, Thanks.