Downsizing Made Easy Guide

Simplifying your life should leave
you overjoyed not overwhelmed.

Somewhere between touring new 5 Easy StepsLetthishtahnroduygghutidheewalkyou
homes, sorting through your to a successful move.
possessions, choosing a new
place to live, and deciding what
to take and what to leave, it
suddenly hits you: downsizing is
a lot of work!

DOWNSIZING MADE EASY

Contents

About Downsizing Made Easy
OveSrvtieepw1: 5: CEraesayteStaePplsanto...a...S...u...c..c..e...s..s...f..u..l..M....o..v...e....................................................................14

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SStteepp 45:: DCeelaelibnrgatweitYhoaurHNoeuwseLFifuelsl otyflPeo..s..s...e..s...s..i.o...n..s.........................................2362
Questions Most Frequently Asked ........................................................ 36

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Downsizing Made Easy

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dwyfooohruwawtniansDrdimoziwwinngindtshpaizcrnoiondcugeirsaMsgsinaetdaeanenndEddgaecsidvoyentiofsyidopaeurllontavchbiedeo.euktny.ooTuwhliwesdigtghueitdoneoewlcseatssoscasrriemyatptoelifdmywotihvteeh
tiTUsrhlutaeismrtterayuitosseutalyewhdyiiloglauchdhglviokeisoetosltirehoaoecnoahddsoytwo!hsialletbyweohuroirgmehxetpvteehrreieprenrocwveiitd-heedayosyyuouoornwsiyttorheutsrhsjiofsuuglru-niwedyee!

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5EASY STEPS
To A Successful Move

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STEP 1 Page2

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STEP 2

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STEP 3

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Page 3

STEP 4

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STEP 5

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STEP 1
Create a plan that fits your
lifestyle and future needs.

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Do Your Homework Page 5

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tphlaiscesitseapneivmepnoriftaynotuphaartvoefnt’thefupllryocdeescsid,eedvewnhifetyhoeurr pyolaunsinctoenntdintuoemtooevevo. lHvaev. ing a plan in

Life by Design

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Getting Started

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Design Your Life ...Your Way!

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Questions to consider before you move Page6

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564... IDDsoomII yhwafaavnmet fitlryoieisnntvdaosylvocerlodas?cetIfitvsoitomi,eiysnctwhuharratetInwwtaahyno?tmteo or move out of the area?
stay near?
78.. WDohIawt atynpteapoafratcmtievnitti-esstydloeIliwvianngt, atosbeeniionrvloivlvinegdcino,mifmaunnyi?ty, a private residence, a
townhouse, a patio home, or some other type of living situation?

Where do I stand financially?
12.. WHohwatmisucmhydmooInhtahvley iinncsoamvien?gsWailnl idticnhvaensgtemaenndtsif?so, what will it be in the future?
534... HHWoohwwatmmauurecchhmweyqimlul Iioteynatwrhnillylf/Iraorenmcneuaianvleeesfxtrpoaemtnestsehasele?s?ale of my home?
67.. WWihllamt tyyfpaemsiloyfbbeecnoenfittrsibduotiInhgatvoemthyamtowvililnogffasnedt/omrylivhionugseinxgpeenxspeesn?seIf?so, how much?

1W.hWahticdhoiItnemeesddtooIdwoatnot tporekpeaerpeafnodrtaamkeowveit?h me, give to family or friends, liquidate or
store?
2. Who will assist me with the details of the move? List any professionals, family and
f3r.ieWnhdast. date or time of year would I prefer to make the move?
c54o.. WWnshhidaaettrhw?ailvleI nIeleeadrntoeddofrtoomporetphaerrepmeoyphleouwsheofhoarvsealbee?en through this that I should
6. Will I need to consult with my physician regarding my health care needs as I move?

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Housing needs checklist Page 7

Ask yourself these questions

1. Do I need a ground floor location? Yes_____ No_____ Maybe_____
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111012... DDDooo III nnneeeeeeddd tttooo boreewnnct?l?ose to my current neighborhood? YYYeeesss_______________ NNNooo_______________ MMMaaayyybbbeee_______________
111345... IIWff brheuanyttionintggh,,ehhroofwwacmmtuoucrcshhaccraeannimIIaapffofforotrraddnftfootrrommmooenntathhslylyIhcrooeunnsstaeidlpeparayymmeennttss?? $$_________________________________________________________________
making a move?

__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Your senior living options Page 8

Downsizing seniors have more housing options today than ever before. Here’s a quick guide
to the most commonly available senior living options.

Continuing Care Retirement Communities (CCRC)

Continuing Care Retirement Communities (often referred to as Life Care Communities) are
lorievpsitniidgoe,nnsat,sifasrloiscmtaemidnpdlueivspienesgndttheoanttspkrilolevdidenusresniniogrscwarieth, the full spectrum of lifestyle and health care
and often include memory care all on one
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uanpoenntthraenaccecofememuopdoantimonosvyinoguicnhaonodset.hen will charge a monthly fee with rates dependent

Independent Senior Living Communities

Independent senior living communities are not licensed and offer a variety of services from
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binaesliigsi,bhleowtoelviveer,inwthheeninaderepseinddeennttrleivqiunigrecsomexmteunnsitiyv.e on- going medical care, they become

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atbhreeeaarmsaafnrokdrerteawsreiidllennottussueb. Sjeicntcettoheusneifocrommmreugnuitlaietsioanrse not licensed, they can charge whatever
like licensed communities. Some are
affiliated with churches, schools or other community programs.

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Assisted Senior Living Communities Page 9

Assisted senior living communities are often an ideal choice for individuals unable to function
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mhoounsiteoarimnge.nRiteiessidseuncthsaasresaflroenestaondcowmheirlpaondolgtuobass. they please, and they have access to in-

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a small refrigerator. Meals are provided in a common dining area, usually three times daily.

Skilled Nursing Community

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sLsetorvmoekelesooofffrecirtainrceganimnobnreuerpsoeirnrgmlecasonsmesnmetruvifniciateiespsetrhcsaaonnnvonatehryeedrfsrso. moThnue-gnreoitinitsgonmuoneiatdgiwceaitrlheciqnaurtierheeamnsedan/motrefoscruoplmivemirnvguisniiinotnya,.
nYFauocrusiliimntyga.ycosmeme utnhietsy,esocopmermsounnsitioefsaanbybargeeviwatitehdcwhriothnic“SilNlnFe”swshoircihnjusrtiaensdmsafyoarlsSokirlelesdidNeutrhseinreg.

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Memory Care Page 10

Many Skilled Nursing Communities have added areas specifically designed for patients with
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atporreoavasidfkfeiqldiuaaetnesddtitowhnietshsaeCnrCdvRitcCoesus.roStfhifneecreeendatlialrsespocenocemi’asmlihzueendaitltsyheaortvriacmleleslemvinoermlysemtmoaoygrecythcaaanfrgeeeedoliffvfoeerrrtt,hiimteieso.vimerpaollrctaanret

NtoOwTaEr:dVveatreioruasnstympeasyoqfusaelinfiyorfolivrinagsepxepceinasl e“As.id and Attendance” benefit that can be used

Planned Adult Communities

Planned Adult Communities are characterized by clusters of apartments and condominiums or
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phanorodmpaeeroretwyloncerearsqte.udIinreosmnoegmnoetlfspc,aocruthrsasroegfsetashnedancladokueansst.srye,sssumchenctosm, manudnitpireosvaisrieonpsromofottehde aasssroecciraetaiotinonoafl

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Condos, Townhomes, Garden Homes, Patio Homes and Duplexes Page11

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Wneisthtesrsomfinedptrhivaattseuhcohuasterkaenespitiinogn aisslseissstasntcreesasnfdulltahwann acnariemmseerdviiacteepmroovviedetod,amsaennyioremlivpintgy
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Subsidized Housing

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Tips for Touring Skilled Nursing Communities

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6scoa. mmCpmolneutncaiotcipteystoihnfesthuleocchaarpellaaon.ms.budsman organization and ask about specific long-term care

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Questions for Senior Living Community Tours Page12
1. What floor plans are available and at what locations within the community?
234... HHArooewwpmaertaesnmaylelmoawelsaesldse?arIvrfeesdiona,cinlsuddtahetedrwienhatanhteatidrmedneitt?iaoAlnspakrlifcteoee?s?ee a menu and dine with residents a few
6t5i..mAIsessckoiafvbpeooreusdtsoipbpaletrik.oinngs faovraaildabdlieti?onIfasloc,awrehaiftuisnetxhpeeccotsetd?medical needs emerge.
789... IHWsohtwhaetorifsetetahngedupoeoeslsticatyhpfeaorrrtemcnhetaninntgcairnvegaaisalaepbaalerntdfmoberynfatwsmhoialnytcmpeeewrmceebnhetarasvgeteom?roevnet?dIifnstoo,twhehactoimsmthuencitoys?t?
111012... WWIshitllhatethrueetcialiontmieesnmtaurraneniticynecmlfueadkeeeodcrioinsstimthemetmoicnotcnhht-hatlnoyg-rmeesonntt?oththoenlayp?artment I choose?
111435... HWWohhwaetrmeaaipsnpytlihasentaclafeufsnmaderreymifbnaecclriuslidtayer?deI?sonthdeurteya? fee to do my own laundry?
111786... WIIsshtthhaeetrriseetaahnreeespmiodeleircngyteocnnocyusnerecrvsilipnthoganatslceisosahycostltiivenemthinienmcthoaekmicnmogomdnemacuriesnaiiotsyn?osfatbhoeuctoamctmivuitnieitsy?and meals?
d12a09y..-AWtrohe-odeamleyacontpraiecgresasctiotohonetse?crosmalmlouwneitdyinantdhehobwuiladcintgiv?e are community or property managers in

Be sure to note:
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4e3n.. ItTshatukhseeiacnsootimtcicmaenudonfictoytnhwteeelanlttkt?eitputdoer and appearance of the staff and residents. Do they seem
are there obvious signs of deferred maintenance?
765... IWAfrthehatethciesortemhamectutrinavifittfyyicibsloilkiaceredtnosspaenodds,tbfeerodsm?uDrteohettohcecoyhmeinmcckulunodinteyit?tshisntgastethinastpmeacytiionnterreessutltyso.u?
Notes98.. DDoidetshtehsetcaoffmmmeumnbiteyrssmanesllwgoeordyoaunrdqaupepsetiaorncslekannoawnleddtgideyabbolytahnindstihdoeraonudgholuyt??

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Moving Timetable Page 13

Move date is scheduled for: ____________________________, _________________ ____________________________, _________________________
Day of Week Day Month Year

REALTOR®:______________________________________________________ Company:__________________________________________________________
Phone number:____________ __________________________________ Email:_______________________________________________________________

Move Manager: _______________________________________________ Company:__________________________________________________________

Phone number:____________ __________________________________ Email:_______________________________________________________________

Estate sale__________ Auction__________ date is scheduled for: __________________, __________ ____________________, ____________
Day of Week Day Month Year

Contact Person:______________________________________________ Phone number:___________________________________________________

Moving Company: ____________________________________________ Contact Person:_________________________________________________

Phone number:____________ __________________________________ Email:_______________________________________________________________

Local post office contacted to notify of upcoming move. Change-of-address forms submitted.

Date submitted:______________________________________________ Effective Date:__________________________________________________

Local post office contacted to notify of upcoming move. Change-of-address forms submitted.

Date Submitted Effective Date
Telephone .................................................................. _____________________________________ _________________________________
Water & Garbage ..................................................... _____________________________________ _________________________________
Gas ................................................................................ _____________________________________ _________________________________
Electricity ................................................................... _____________________________________ _________________________________
Cable TV/Internet .................................................... _____________________________________ _________________________________
Newspaper Delivery ................................................ _____________________________________ _________________________________
Security System ...................................................... _____________________________________ _________________________________
Other (_________________________________) ........................ _____________________________________ _________________________________

Valuables are stored/packed in a safe place for the move.
They are located: ____________________________________________________________________________________________________________________

“Last Box” is packed and is located:
___________________________________________________________________________________________________________________________________________

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COMPARISON CHARTS
Senior Living Communities and
Neighborhoods

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Senior Living Community Comparison Page15

Name ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________
Location Yes No Yes No Yes No

Type Yes No Yes No Yes No
Contact Person
Contact PhEomneai/l Yes No Yes No Yes No
Standard Services Yes No Yes No Yes No
Optional Services

Amenities
Meals aCndhoFiocoeds

Cost (perCmoS2o1tttnBuBatdeeghidoed):

EntHraonwYceemsFu/ecNeho??

ReHfouwYnedmsaub/clNeho??
Pets Allowed?
(LCimomitamtieonntss/)

Smoking

What I like

What I don't like

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Neighborhood Comparison Page 16

Residential Homes, Condos, Townhomes, Cottages, Duplexes

Name Yes No Yes No Yes No
Location Amount? Amount? Amount?
Address
Builder
Home sizes

Price Range
Price Range
Price/Sq. Ft.
Association Dues
Fees Include
Age Restrictions

MaintenaFnecee?

Amenities

Accessibility Yes No Yes No Yes No
GEantterdy Yes No
Yes No Yes No
AcNtieviatriebsy
P(eLCtimsomiAtalmlotiewonnetsds?/)

What I like

What I don't like

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STEP 2
Communicate with your
family and friends.

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The Family Meeting Page 18

cAtohsgiledyortehuneb,regtgroainnddtisocchucilosdsnretyenom, uaprnlapdtleafnaasmmiclyaonvferbi,eeandofsanmeiniwlytahmyeetepotroihncegelpscsae.nvBebrreiynoagningegredkaeetaylwwapiyetohtpotlehineivnoelmyvoeoutariodlnuifaletl
challenges involved in a move from a long-established home.

Why have a family meeting?

BThriengbienngeffaitmsiloyfmaefmambeilyrsmaenedtcinlogsinecflruiedned: s together to help plan for a move is a useful strategy.
••• IBGnoeflonsretmrearintinignggkseiudypeppaeosoratpnldeduarsibhnoagurtitnhygeoemumrorovetelioofcnoasrtaiocnaprelagnivser or someone with an illness
••• IRDneivsmittriininbgiusptciaionrngtiocafibphoaoututiosmneeihnmomlodoriitveeisnmgfrstoaamsnkdtshfeamhoilmy heeoirrlothoemistems within it
• Completion of necessary legal documentation (power of attorney, signatures on deed, etc.)

Agenda items to include in a family meeting:
•• RPleaanssorneslaftoerdthtoeamnouvpecoming move (when and where)
•••• PDCFeaoisernttlcriinciebigrpunsatsiatoibtonhonaouotftfyftafohamuemiomliyrlyofhvameemier—limolyobbmmoetershsmaydbnoudeurrirsnssegmantntahidymethedhanoovtwseaenlasiotbiefzoimfunatgsmtphilryeomcmeeosmvsebers
•• CReommipnliestcioinngoafb(oourtsfhuanrianngdlomcaetmioonraobfl)eletgimaledsoicnutmheenfatms ily home

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information via e-mail or written notes.

Unfortunately, not all families get along well enough to have a productive and amicable family
tmruesetteindga.nUdnrdeesrpescutcehdcfiarmcuilmysfrtiaenncdelesa, ditthmeamy ebeetinbge.neficial to have a family mediator or a

wtFhoaeryitrfhdooerscyeiosuwiothnooscpionrmewfmreitruinntogic,anatosetayhmoaupvrleewaleisfthateemsriiltsyopmfraoemveitidliynegmd,eoomnr tbwheherosfofaelnloedwl/otinhrgecylpoawsgeoeufraldiesnpadrnesof.tehrecropnovsesyiibnlge

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Sample Letter Page 19

[Date]

Dear Family & Friends,

sWnoeemedweso.rueTlhsdeelsaikercechto,omwmmeauhknaeivtieeevsideaerryneotlniifseieteaddwsbaoremeloetwhpaiantrotwircdeuelararorefccoooumnrmspirduenefiretinireegsnacweme: obveeli.eAvfetesruidtooinugr

FACldoodomrrempslsau:nn__i/_t_Ay__p:__t___.___S____iz____e___:______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

FACldoodomrrempslsau:nn_i/_t_A_y_p:___t__.__S____i__z__e____:________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

FACldoodmorrempslusan:n_i/_t_yA__:p___t__.___S____i_z___e___:__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

lOntroehoucsetraupiptlntilloaainnnnngessse,iadwwnreeeotfhthaoehareevminelmpaackabwhekiilotiittnshhygeits.nthIomnissoomtmmhveeeoeeviutanenltttlrehhiikgreeenhnlacytetrnieixvtotveewe_r_lino,a__twc_f_ateo_ht_ri_jaou_lt_nsimvstoinouwlignrsatthinhenetsdae/olbydtneehetaloodrowsekr,c:eamleinnpoderysaeoltuuohnfoienutxfhgpoehermcwatebeedodavolryeef,
FACldoodmorrempslusan:n_i/_t_yA__:p___t__.___S____i_z___e___:____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
CAFldoodmorrempslusan:n_i/_t_yA__:p___t__.___S____i_z___e___:_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
FACldoodmorrempslusan:n_i/_t_yA__:p___t__.___S____i_z___e___:_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Page 20
Kctshoonenmotwmeaiocnpvtgreotthfoheenissmoscuifoorinrubsaletdlshibnaweltfi.htahedweifvhfeoicnmutltwitsebitehucaaovtmeionecsofnonsreuacltlelesidnsvaroerylgvafeorddr,iynwogeuahtpaoovhetaeannldtsilaoel mtmhaeodvdeee.ntPoalitelesasooeff
PHTCMYRBAPFEirsohaEotaonoattryoroAmavnodeaslkLnesrteCickMTncceriteaaR:OeiiaiaaL_rreoeyR_neelnipn_q:pA®a:::__e:ua___C_gd______r_ii__evdr_o__:________iraCo_____s_______t/_r_o__o____d_o__H____n_r_____ir__:_n_ot___:________r__a_m______a________t______c____e_o__________t_____r____H_o_____:____________r_e_________:________l_______p__________________:_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________P_PPPPPPPPPPPhhhhhhhhhhhhoooooooooooonnnnnnnnnnnneeeeeeeeeeee::::::::::::____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
lWtooceashtpiaeovcneifoiarclsspooeldmobpayldeea/oparrgloiasfnetisz(sasetioieonnaastlt.easActnhayettedh)liinqogufiindtoaettmolsris.ttheadtiwseeiwthoeurldtolikbeetousseede dinisotruibrunteewd
Aaapnprocpuocrneepecsyxisaoptafeentcdyhtoielsiugdlrhemstteutoenpvrpetohh. reaWts.loeAbaseadertefhnoinhrsgatenhsndotplsritneooggwartehlhlsoeinsmtdoeaerrytecabshilteasencdoganepll,eaowdruteruiewposowilinlnnkteaaonethpetehyflpfeoouucrstpuotrinrosettnsehtidem.tepimvlifeeynattnhodef
All our love,

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Disbursement List Page 21

ITEM RECIPIENT HISTORY

Example: Sarah Smith, Belonged to grandmother,
granddaughter Date: 1912
China hutch in
Formal DR

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STEP 3

Surround yourself with highly
qualified professionals.

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Working with professionals Page 23

Working with experienced, reliable professionals throughout the entire downsizing process
isinsptteehcreviaiseliuzwereksseitnywdpoaeywopntolseiezininnstguhmreeodavoeswsmn, sohioeztionhrgtsrpharenoschieatsisosnl.ik.IfeWlyyeoauhlrahevaaevdeaylsaaolsrsepeardmoyvbicdlehedodasteqipnusaafliRofirEeAhdeLtlTepOainRmgwayhnoodu
pcaronvaidsesrisst. you with the referral process and/or handle the communications between service

RMMEooAvvLeeTrMORanager PHHeoosmutseCeRoCenlpteraaoinrl iSCnpogenScteriaarvlcisitctoers FAInintstauonrrcanineaclyePlAagnneenrt
EPMseotrrsatotgenaaLglieqOuLriegdnaadnteiozrrer TIHniottlemer/eiEoIsrncDsrepocewocrCtaoltorosring Company SSPhteaynfsioficriLainv(insg) Community

Considerations when hiring professionals
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mFsehooesustldsohfbtoeeunljdugsbetetifwiienhdalibntyeyotwuhietphasyleorfcvoaircl. ensoromffse. rHeidghalnydin/ofrladteedgrfeeeeosfsehxopueldriebnecqeuiensstpioenceiadliaznedd
Asdeosrwkvnifcsoeirzsinraeggfameirnoe,vnaecnsed.si.f Wsoh,ewnhattalwkionugldtyoouthhoasvee trehfeemrednocedsif,fearsekn,tl“yW?”oPualdssyoyouuursfiendtinhgesir
along to the service provider.

Tips for hiring estate liquidators:

1. Read the contract before signing.
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t45h..eFIsifneaddeov?uetrtifistinhge,recliesaannuapn, tsitqoureagaep,ptrraaisveerl toinmset,asfafl.es permit, and trash disposal included in
67.. WWihllatthleeyngctohnosifgtnimiteemwsillotfheinycrreeqausieredtvoalsueettuhpatfodrotnh’tessealllea?t the estate sale?

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8. Will they offer a private pre-sale for family and close friends if requested? Page 24

9111.0C.. HDanoowtthhweeyeylaclrdlreoaantnghueepyfoaarfdtsveherirptthmiseeesn,aatlneod?fwiTtoehmawtshaaodtuvdteeorgtfirsseitneag?tes?ouIfrcseos, wdhoatthiesythuesep?rocess?
12. How do they staff the sale (number of staff and security)?

Tips for hiring movers—and questions to ask:
2a1d.. IdsWittihhoaentraeldianosmeusirnaimtnhcueemiisnhpsouruorravlynidrceaetdefc?oo(rvMveoarls—utarmbelpoelvsae?cresmheanvte value or by-the-pound? How much
a 2-4 hour minimum.)
4l3a..bAHorroe?wthmeyaninyspuereodpalendwbillobnedeldo?ading and unloading? Are they uniformed staff or contract
765... OWDobhtteahniendyroeoeffesferterhnpecabecislkliifnnoggrtaloinmcdaeulbanenpgdaicninkatinnegdrsseteanrtdve?icm(Meosav?neIyfrsms,owo,vhweichrshaetbvailerleproitshrtaeapclpthroaorppgoreirastta?el..)
m8.oHvoews?long have they been in business? Do they specialize in senior living/ downsizing

Tips for hiring REALTORS:
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a23d.. WDdiothitoahtneaisyl sthhtaeevpierslseinuvvpeopl olovfretfdas.mtaiflifaarintyd/woirtshoymouerosnteyalevaaniladblolectaotiaonnsowfehrocmaells? when needed.
45an.. RdInepqguuurirclaehraafnsodell.oawsk-ufpowr aithwyriottueannedsytoimuratteeaomf fiseeimspaonrdtaannt.eWsthimataatreeotfheexirpfeonllsoews-ufporpyooliucriessa?le
6c7mo..onHOrceobewssroenm,srvo.uenchtthheeexirplseearvileeenlscosefkidlalostttfehonertytihvheeancveuesr?rseTnhatnismdsahtriokmueeltdctboaenkdebinatisotenodsa.odndnreusmsbeyrooufr questions and
sales and even

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e1Inf0tfe.eTrcnetecivthe,nmlyoa.lokgeysiusraeryeoaulritRyEinALtoTOdaRyd’soreesa.l estate world. Whether or not you use email or the

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Tips for hiring home repair contractors: Page25

1. A license is often required to work on plumbing, electricity, or heating and air conditioning.
2B3e.. ABsseukrcefaoturot—iaoasunksdfifotrhaterhneepccahoierncptker—arsccotuonsrc’tsaollmilcseeynrosrueefdneirureemcnbtcleeyrsw..ithout a recommendation from someone
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f7trh.ieeItyn’sdrebocerespitvroetfode.hsisreiocnoanl ftorarcbtaocrksubpa.sed on a referral from someone satisfied with the services

Tips for hiring a move manager:

Anegmootviaetinmgatnhaegbeerstcapnosassibsleisdteyaol uforinyoluo.cSaotimnge RaEnAdLThOirRinsgalsseorpvricoevidperomfeosvseiomnaanlsagaenmdenint
services.

Should you decide to hire your own move manager, be sure to ask the following questions:
12si..dHDeoo?w”thmeaynwyomrkofvoersahnaevsettahbeliysgheuidd,erde?putable company, or do they handle transitions “on the
3m4..oWWvehhsaa?tt is their recent experience and knowledge in dealing specifically with downsizing
is their network of providers? Do they have reputable contacts in the areas you
n56e.. DWedoh?tahtecyrecdoemnmtiaulnsicdaoteeswtheell wmiothveyomua?nager you’ll be working with have?
tr7eh.feAecrselinaeclnwetastyofsr,omgmoevnteoa.tBcoeonsmlyuptrleheetteoclliaiessntktottfhheermeyfsewerehrvanetcdet,shbeuaytnldaiklsecodaltlahbtehoeucmtom.thYmeouupnrimotycaewyshsweaarenntdthtweohyaahstektlphfeeodyr
didn’t. This will help you to determine if the person/company can meet your specific needs.

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STEP 4
Dealing with a house
full of possessions.

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Sorting 101: To keep . . . or not to keep Page27
Sorting through household items and a lifetime of memories can be one of the most time-
ppcorroonvfseiudsmesiiponengraslaomnnoavleiezmemdoa,tonioabngjeaelclrytwivdheiofafwiscsiullilsttatnacseksinahseslopciniagtyeoduwoirtghanaizney move. Consider hiring a
and sort your belongings,
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iftaemmilsyomredmifbfiecruoltfyfwrieitnhdthheelpidyeoauoofuyto,uhremreoavree.sIfoymoeutciphsootosemtaok“egtohietparlooncee”sosrahbaivteeaastierurs. ted

C•• NFoanemscieidlysesrhisetioierrlsotio—nmgfsyuo—runritjebuewreleo,lntrygo,iinlfeugtrsrnieiintsut,oreeta,htceihnfignoaull,toeewtnicsn.ig,lstch,acatltoeotgthohinreigers,se:wtcill.inherit.
••• SDCehisnaprtoiitmsaaebbnlelteacsloi—ntetrmnibosusoteironkntesime—pesnuatnkawel vsaan—luteegdaifmntsdu,snpiohctoanltioenscs,etssruosmuavreyennftoisrrs,nc, eeratwcft.loscuaptpioline.s, books, etc.
•• VTraalusahb–leifsh-aitveinmgsatnheasttyaotuewsaisleh,tleotstehlel. professionals decide what is trash.

Beginning the “thinning process”

1. Focus begins with the first 3 categories—necessities, family heirlooms, and sentimental
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T i p ignotowaitPhoysotu-Itannodttrhaoinsbeowthpartiowritllogtohetomfoavmei!ly members. Turn your house

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prior to entering into an estate sale contract.
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Tip estate sale, you should specifically exclude these items in the written

estate sale contract.

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Page 28

3. Sentimental items should be sorted, prioritized, and then packed for the move, packed for
storage, or given toSotohmeer faitmeimlysmesmhobuelrds wNhOoTmbigehtsatpoprreedciautnelehsasvincglitmhaetme./ temperature-

T i p controlled areas are used.

4. Disposable items are those items neither you nor other family members will need or
appreciate. These items will go into the estate sale or auction.
Nliqouindeaetodrsto worilglatnaizkee, scoarrte, oorfcleeamnptthyiensge citaebminsetdsu,rindgraywoeurrsm, ogvaera.gTehse,
Tip storage. buildings, attics, etc. Many prefer that you not try to help them

with this task.

5. Donations and charitable contributions are items that can be used (or resold) by a charity
othfeymoureracdhyoticoeg.oC!all early to confirm a pick-up date and time for your donations, and have
Some estate sale companies will also handle this task on your behalf
Tip agfivteenr tthheemsaplee.rImt iaspspiolinestotodoitneamtesttohaytoduor cnhootsseenllcahnadritfoy.rBwehsicuhreyotougheatvea
receipt for tax purposes, or arrange to have the estate sales company do
it for you.

6. There are very few things that will be considered purely trash. Aside from old
butter dishes, most items can be sold in the estate sale.

Turn those unwanted items into cash

Once you’ve divided your household items into the various categories, it’s time to turn
cdcoaissmphop.saAannbyl,eeissittaeanmteesf—sfaiclenieanomtreaelnysd,tathhtaeosssaeluect-htfirionenge,smwneheteithnhoedorrfgyoaornuliizqneuodirdbaytyoinuagrnfyaeomsutrilaybbewlilsoahnnegtdino, grpsrn.oeOfeendsc—seiointnhtaoel
saanleewharessbideeenncceo,mtopaledtdedto, yyoouurcsanavuinsgest,hoerptorodcoeneadtsettoooafcfsheatritmaobvleincgaeuxspee. nses, to invest in

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Estate sales and estate auctions Page 29

hhEaosstmaetpeoawsssnaeleedrshaaawrseamoy.oftvTeehndisaasinssdoaicsciatdtuoeawdllnywsniitzohinttght.heTehseacrlaeesaoerf,eaamhsaonmmyoebs’setnceeosfnitttasetntetosshawollehdesinngotcahcneuehrsowtmaheteeonwsatnhleeer.
Here are answers to some key questions concerning estate sales.

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permits and advertise your sale in advance, to ensure a high flow of traffic.

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you
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cwohmatpsahnoieusldablseotrhercoowmnmawenady,tthaaktinygotuhenogtudeissscwarodrkaonuytitoefmthse—eaqlluoawtiothnefmortyooub.e the judge of

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teapot may appear worthless, an expert will be able to recognize its real market value. These
companies’ personnel are often trained in antiques and appraisals — their expertise in
psarilceinogr ayoucutriboenl.ongings at appropriate market value will help you maximize the results of your

Wreshpyonnsoitbljeufsotrhoargvaeniazingga,rcalegaenoinrg,yparricdinsgaelev?erIyftyhoinughfoorldsaaleg,aarsagweelloarsydairsdpossailneg, yoofuit’lelmbes
rdeismpaoisniinnggoaffwtehratthdeidns’atlsee. lAl (npreosvtidaitneg ysoauleecitohmerpaantayxwdeillduhcatnidbllee raelcl etihpotsferomdecthaialsritfyo,rorytohue,
proceeds from the buy-out), and ensuring your home is “broom- clean” after the sale.

What if I want a specific amount for some items? You can request the estate sale
company set a “reserve” on any item. If it does not sell for the minimum amount you set, you
can keep it instead of selling it for less.

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Page 30

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ctroamnspfaenrireinsgarseoemxepeitretsmisn porfifc-isnigteanfdorsseallilneg. Wbehloenngeinvgasluaattimngartkheet vfaeleu,er,eamndembubyeerrsthaattetshteastee
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What are estate “auctions”? Estate auctions, which can be held on-site or off-site, work a
little differently, although generally the cost is the same.
Oitenm-ssitearaeucptlaiocnesdasretrastimegiliacratlloy easntdataeucstailoense,dexinceapnt oitredmersparree-dneotteprrmicineeddinbaydtvhaencaeu.cItnisotneeaedr,.
Wonh-seinteliqeusitdaatteinagucatliaorng.e estate, it is more practical and efficient to have an estate sale or an
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mthoesdtaltikeealydvneeretdisteod,gjautshtelirkteoagneethsetarttehesaitlee.ms for auction. Your auction will be scheduled and
What do estate auction companies charge? Estate auctions typically charge between 25%
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of items transported.
What is right for me - sale or auction? Time is the biggest deciding factor — if you are
panlanensitnagteonssatlea,ywinhgicinhycoaunr htaokmeefrriogmhtaupwteoecklotsoinag,mtohentrehwtoillpprreopbaarbelyfonor tabned ehnooldu.gIhf tyiomuecfaonr
move out of your home (including packing and taking the belongings you want, and leaving the
rteimste)fraamfeewwwilleheeklpsyboeufodreetetrhmeinneewwhoewthneerrsantaeksetapteosssaelessoiroanu,catnioensmtaatkeessasleensisevfoiarbyleo.uY. our

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Page 31

Will I really get market value for my “stuff”? There is a big difference between “market
vsaallueev”aaluned, w“rehislealienvfaaclute, .m” oOsftteitnewmesedxepperecctitahtee ipnrivcaeluwee, wpiatihdtfhoer eaxncietepmtiotnoodfestoemrmeinaentitiqsurees-
and collectibles.
Your 20-year-old refrigerator may not bring $20, if it sells at all. Your old sleeper sofa might
yegiasertlddaetaennsfeaonlredy-coeofam-ryspe, aacnroiteuaslxdodsreeadlulucfcottirioo$nne5ife0rd.soTnthoaistveaildlluutseotarcanhtdaerssiteywl.l hTyyhoeuurosbilndeglpoopntrgoyinfoeguss’vs, eiroabnteahelenrantuhdsairnnegpdiuontinyagobulietr
on your own, will generally maximize the proceeds resulting from the sale.

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STEP 5

Celebrate your new lifestyle.

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Adjusting to a New Lifestyle Page 33

nBeewawroaurteinoef, hyoouusrefheoelldinsgusrr.oDuonnd’itnbges,saunrdprpiseeodplief.itItt’sakimesposrotmanetttiomneottoegtheattaecvceunsttohmoseedwtohoa
ehhaavdveeninptmreeonprdeaerdep,drosfonomoruernetcitmeirdeesmfoheranvttehfoodsrifemficwaunhlytoieyhseaaavrdsej,utasontidnmgwathkooeaeanxeemwcouwvteeadyuotnhfdeleiifrrep.lelTashnsisetcxhhaaacnntlgfyaeavcsoartnahbbeleey
circumstances related to illness, death of a spouse or caregiver, or financial constraints.

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atondewxpheorcieonncteinuae stohobretearctaivnedinmsoorceiapl,lerealsiguioraubsl,eanaddjpuhsytsmiceanltacpteivriiotidestharaenmtuhcohsemowrheolikaerley
pessimistic, who retreat inwardly, and who discontinue their regular activities.

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action accordingly. Remember that there is no magic length of time for “normal” adjustment
- each person is unique and handles stress in his or her own way and timeframe.

Imt acyasnebeekdhieflfpicfuolrtmtoaiantdaminiitnygonuomrmigahl tblnoeoeddphreeslpsduerea,liinngsuwliint,hoyrocuhroelemsotetiroonl,ss, obmutejtuimsteassyyoouur
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oopeputotipoalnetsrmu.sYotoveuedcffooriruewlndadvrdios,rietfsawpmietihclyiyamollyuermdduboreicnrtg,ooorrrahabifroetueatryspotroruefrsepsshfsyuioslneicavalellniaftnesdc. eomacohtiwonhaolissytmrapintoemdsto, sheeelpk

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Ideas to make adjusting a little easier Page34

cRheaancgheoisuthtaovifnagmaislyu,pfproierntidves naentdwootrhkeorfspteoosphlea.rIedeynotuifryeaxnpdekreieenpccel.oAsekecyonftaaccttorwiinthanthyolisfee
spaedonpelessinyyoouumr laifyebweheoxmpeyroieunctrinugs.tFaonrdminanwyh, tohme myoouvicnagnpcroocnefisdse.bSehgainrsemwaitnhytmheomnththsebjeofyoroer
tthheataacrteufaelltminovrees. pTohnisseisttohtehetimupecotomibneggliinfepsrtoycleescshiannggean. d dealing with the many emotions
hSotabbyya,cstoivceiaolrcgluebt,aocrtivcheu. rIfcyho, udoarne’tfoqrutiutnjautsetebneocuaguhsteo hyaovuehbaeveenminvaodlevead icnhaanpgleeasinuryaobuler
residence. When moving locally, make prior arrangements to let friends know you will
continue to be involved and, if needed, recruit help with transportation. If you have moved to a
nbeewcomcietyinovroalvweadyafsrosmoonyoausr y“ooludgsettomseptitnlgedg.rOonucnedst,h”eitlaisstabbosxoliustuenlypancekceedssaanrdy ytohuathayvoeu
foouutnndeawpalcatcieviftoiersyaonudr tboeoctohmbreusinhv,oflivneddainneywoucrhnuerwchc,oamlomcaulnditayn.ce group, a travel club or seek
Kemeeapil tino tfoamucilhy wanitdhfrfiaemndilsyfaronmd ftrimieendtos.tHimaeng. Itonistroecyoomurmaednddreesdsthbaotokyoaundtadkreopatalenaostteaonr
hour a week to maintain contact with the people you care about. This will not only be good for
ywoituh, idtuweiltloalasomboeveg,odoedatfho,rotrhoetmh.eOrucrircruulme sotfatnhcuem, byoisutmhuast,tfmoreeevteornyepneerwsopneyrosounlo. se contact
Focus on physical activity and good nutrition. It is a scientific fact that physical exercise
a(dnodnseleceoprr,eacntdlyi)srepdousciteivselsytrceosrsre,liantcerdeatsoehsesatltrheynglitfhe,srteydleusc.eMsarnisyksfeonriofralllisv,inimg pcroomvemsunmitoieosd
feoixftfneeerrcsaissepghroyeasglisuc.laaJlruflyistnatneadsssvppishrioytgswircaitamhl yaoocruttirrvapitnhysypissoicritimaanptiooarnbtoatunotta,tplhorecoabpleefsrittnnpuertsorsigtricoaenmntisteorw.sMhuaaittkyegoiiuvtreasppeuorssinottnhtaoel
emnaeinrgtayinnaeepdoesditivtoe mtheinnktalchleeaarlltyh,. hYeoaulmoauyrsneolvtefese, lshturennggryt,hbeunt yoouurrbboondeysneaenddsmnouusrcislehsm, eanntd,
so eat something healthy even if it is a small snack 5 to 6 times throughout the day.

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Page 35

Eiytcnhoodveumuofclpwvaaleceitlldtteebtihdenoarhtttiohgtghehewetsasmcrcedhhodoorouoeofclfl,yayosmtouyeuessdntct!etiamamWnlu,hadlaeSlewttcuehalniyeyndsroeaubyyareonsbudacranhmaionereoedanlun,tacdoaarlurtesioallternirlettoeohscdastat.hlcpoOoBasnlolreeetygiiscnweuayalaoypnrurdoomrffGcuedoissromlcssilonmeCrg,utluonthhbrieti.ysmy.OoiCoskuroaetnynol,seikingvdeoeeelyttrr
ibnatcekretsotesdchinoobleyinogurssuerlfro. uEnndroeldl inbyakcidosll?egAenoctohuersrew,atyakteo akneeaprtycoluarssb,raoirntsaikmeuulaptegdolifsotrotghoe
guitar! Many universities have programs for seniors where classes are offered at no charge.
Or, for the really ambitious, how about an advanced degree? Why not?

Emxoptlivoareteadv, ayoiluabmleayrejussotulracceksc.laIfrityyouabaoruetfwinhdaintgit that you just can’t seem to get yourself
is you want from this next chapter of your
nlifoet.mTheaatnisyoauvaerreydceopmremsosnedexoprehraievnecaeparsobyloeumm! Caoknesmidaejrorreliafcehcinhganoguetst.oTahisprcoefertsasiniolynadloliefes
dcoreaacmhsoarbsooumtewohnaet ywohuodecsainrehyeolpuryliofeu tsoolrototkhlrikoeu.gh your feelings, your thoughts, and your

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behalf. That’s great to some degree, because the whole idea behind downsizing was to
dsiominpglifayllltifhee, rtihgihntg?sWyoeull,elentjooytbhuetrsddidon’tthheatvaesktismtehafotryporuevdioonu’stleyn. Bjoeyadwoainrge,tahnadtyyoouusmtaayyhbauvsey
lost sight of some of those favorite activities you once enjoyed, because your “old” life was
revolving around the things you HAD to do versus the things you really WANT to do.

Take some time to explore your new lifestyle and learn to have fun again.

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Page 36

Questions
Most Frequently Asked

Q Howlongdopeopleusually“thinkaboutit”beforemoving?
A Smoinmimeutmakoefl6on-1g2ermtohnatnhsotthoemrsa, kbeutanouermeoxtpioenriaelnmcoevhea.sThbeeeenmothtiaotnaplemopolveettaakkeesa
place in one’s mind. Once that emotional move has been made, a physical move
can often occur within 30-45 days or even sooner.

Q WhatifmykidsliveoutofstateandIneedhelpmoving?
A Hfoirrinpgeaompleovienmtahnisagseitr—uaatilosno.kInfowyonuasaraemuonvainbglecotoordfiinnadtoar—priosftehsesiidoenaallsmolouvtiionng
coordinator near you, it may be helpful to call on a professional care manager or
YoroguarnRizEeArL. TEOxpRlawinhowshpaetcyiaoluizneeseind,saenndiotrhmeoyvweisll cliaknelaylsaossbiestanyoaussfoert ainnthhoisuarlryeraa.te.

Q WheredoIstartwithsortingmypossessions?
A Sonoertirnogomca,nclsoeseemt oorvderrewshseelrm. Kinegepatinfirmsitngdlatnhcate,ysoouwareeroencloymlomoekinndgyfoour ibteemgins wthitaht
yeaonvuyermoyfanytohobaket,ta”antkdhinecgnrawleninathvyeynoeitue.adIlfsoyntoeouabonepdegnmonaoevceuthporbono.uagArhdc.ooOrmfctmelonos,neetmsatinsadcteosnascyae,lep“Itcdiooonmn’iptsawtnahienastt
will allow you to take a last minute scan of items you may have overlooked during
tmhoevmedovweitwhhyiloeuthfreoymartehosseetttinogbuepsfoolrdt,hbeysleaalev.inAgstyhoeuosnoerts, stoegbreegsaotlde irtigehmtswthoebree
they are! Use sticky notes to label furniture, closets, cabinets, and other areas,
“wsoerlkl,”bo“omko.ve,” “donate,” “family to take,” etc. See more tips in Step 4 of this

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Q Doesn’tahouseshowbetterwithfurniture? Page 37

A hTshhavioseuilsdanamcooopvmienimobnoenfooqnreutehosirstiaomfntaeatrtsetkhre.edRirbehygoapuredsoleepsslesewlolshf.ohEoavwreerytthrryeeinahgloetusostedaetloecoidpkerso,wffehusersntihiosenhraetldhweoiylrl

pyuonriufmurarhnroyismcheoendos,ntidhtehereraemtiaoarnerksoeattnh. Tdeirmgmoeooadrnedriemsatpsrooernstssanattolsfogaocfataochrtseo.arSdinaatfonedttyhmeaondvdeecciopsnriiovoner.ntWioehnpeclanectaihnrege
home sells, there might be as few as three weeks to as many as six weeks to
amllatkheeydoeutramilsoivneaasnhdolritqutiimdaetefrathmeerceamnabineinogveprewrshoenlmalinpgr,otpheurstym. Torvyiinnggptroiomr taonathgee
Q saleispreferable.
What do REALTORS® charge?
A REALTORS® typically charge a commission which is based on a percentage of the
home’s sales price—usually 5% to 7%, with 6% being the most common. Each
anssoeslgdoo.ctDiiaaittsieoconnusengttootbtiharoteekhseoramsfemeoeawybnaecsrhe.aSdrpgoeenctilaehlseizsesdearnbvdricoekleesarovsfemfetarhyeedchasanhrdogwethinmegoprraeonpadenrdctoyinnbctelruaindcget
sadtrduecdt-uvrael.ue services like downsizing assistance or moving expenses in their fee
Q Whatdoestatesalecompanieschargefortheirservices?
A Egrsotsastesaslaelse ecxopmepcatendiestovbaerycionllethceteirdf.eFeosr.inMsatannycbea,sifeatchaeririsfeinecolundethdeinptrhoejescateled,

they may reduce their fee percentage due to the increased proceeds anticipated
bhtyoypmsiceeal)llinofgreietfhtpeheecrycaera.nrItetamrgeeaqyuraiarnlesgdoetsdoefpmreoonmvde2oy5no%uwrhtietoethm3e5sr%ttho,eawsnitaohltehmeisrohrloeecldaetxoiponen-rsitietonecs(eeindll.yTaohnuedr
upscale liquidators often charging more.

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Q WhatifIdon’thaveenoughstuffforanestatesale? Page 38

A If an estate sale company determines that you have valuable items to sell, but
tcbtahhukeoyereoerspseias,rottirnoictsuobulraftifnraicgkitieeeinmnyotistuqertumotahstnihntfeigtriosyrmtgtooaalalwennoraoytrtrhfhaoeenrrrtcesaoistnnteasi.ntiAgednnivotmiotdehuinenatrcl,oreoepsrattasiaosetnketiyshso,eatulhepte,ooytohamlelloiongfwhtpthtoewhtyeeismnmhtaittaooyl
cmoallrekcettibyloeusr, ivtailsuasbolmesetvimiaetshemIonrteerbneente. Iffictihael troemallaoinwinagnitaeumctsioanreconmotpaannytiqtouetsakoer
them to their auction house for a sale, or to offer the item to a dealer for a modest
“buy-out” amount.
Q lWivhinygschoomulmduI nuisteyamRoEvAeLsT?OR with experience working with downsizing and senior
A fwTrhoitemhsetahlpeornmogfa-etnsiymsideoenhtaoalmsilsehianavvseowlvaeelludansiniqtushueecpuhrnoadfemerssostviaoenn.dIanilnragedsodoiftuitrochneetsocahtnahdlelevtneegncedhsonrioscfatoladaemstsoaivsilest

ftoahfmisthilteiyepstrewanoosfrakmctothivrooenu,,agsnhpdethctehiaeeliysmtwositlhlioatnavakeleaatsfhpueellctaitmpspevrsen.cericuaestishosinnagfroyornttothoheetehlpmesonetenioxitonrasslanlaean.tdurteheoifr

Q What if the real estate agent recommends I move before selling, but I need the
equity from my home for moving expenses?
A McSnaeeanenndiyobsrehtloioavmnibneegoospwcctonihomeenrmd.suuBulenasdinetkyptsreh,ionecrtrerteaqodnucictitleoyusfniinenioegtn,htsaeh,nierdohs/rooamrlmefoeoortrftgomtahpgoeaeviryinhlefgoonmerdxteephr,seeteinrcmsnaepensox.ptrIarfhortyovhuifdeisneiera,mnlofcooairnnvgsea

aowprhpiscleihendaioltlroowlipvauinysgeocfofofmtehqmeuuliotnyaitniyn..SaOincncucereremtnhatenhyhoosmmeeneitooirsfliisvnoianlndgc,ceportmohcememuendoistvieefrstoowmailnltoh“wtehoesrrkalhewoimathree”
ptfirrnaoansnspcfeeincrgt,i.vaemreosrtidgeangtes lwoahnenshcoirucludmbsetarnecseesrvreedsualtsinatlhaissttyrepseoortf fdoerlatyeemdpaosrsaeryt

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Page 39

Q Mityishsoouldse. Wwhilel lriekeslhyonueldedI sttoahrta?ve(Osro,mWehraetpcaainrsIadnodt/ooreinmspurroevIegmetenthtsemmaodset mbeofnoerey
from the sale of my existing home?)
A Smbeoafmkoiernetgimpalpeapcsri,noigtp’rsaiaahtdeovmdaeenctoiasngioetnhoseusambtaoorukmtewta.khTeahtnenereeeedadersedtmroeupbltaeiiprdsleoanisnesdaunhedosmwtoehecimnonptosroiddveoermitw,ehanentsnd
a“anse-ixsp”esraielencisedsoRmEeAwLThOatR®misisolenaedionfgt,hseinbceestthreerseoaurreceosftteongreupidaeirsyoourrrdeepclaiscieomnse.nAtsn
needed before a sale can be closed, to satisfy requirements of mortgage lenders,
daidpeepdnritcaiaifsiteeedrdsd,muoorrivnhegommaaehnoainmgseepre,incastnpodersoc,fttaioennndctthaoenceboxempeaprnlrysaenwsgiteihndvloofoclvraelydobcuuailbdnyinbygeodcuoer ddReuEcsAt. eLRTdeOpfRraoiromsr
the home sale proceeds at closing.
Q How many senior living communities should I visit before I make a decision?
A Thoommeawkoerks!uWrehiyleousoamree cchitoieossihnagvefroamnutmhebebreosft saevnaiiolarbllievincgomopmtuionnitsi,eost,hdeorsyaoruer
tlihmoitseedtthoatfeawpeprecahrotiocefsit. Iyfoyuoruparerefefroerntucneast.eUtsoehtahveesloucrvaetyedasnedvcehraelcokplistitosnsin, vtihsiist
guide and go comparison-shopping. Visit your top choices more than once, at
tdhifefegrueindte.times of the day, and remember to review the tips prepared for you here in
Q I need to move to assisted living but it is very expensive. Are there any resources
to help cover the cost?
A iAcnossvsueirsratenedcdebl,iyvcioncngetrcatocamtintmhlouenncgito-itemesrpmparnocyvaiinrdeeaidvnvasaruinorcauenscaleenvdpeolisnliqcouifeirsce.araIefs,ytsoooumwhehaeovtfehwetrhhyiicsohutrmyppaoeylibcoeyf

athhsaessiasaptnepdliaclsaivstiiinsogtnecpdarorleicv.einNsgostobarelanl raeesfiset.ivseVtneedtfealimrvaiinnli’gasrcwboeimtnhmeiftui,tnssitoicewashnaernaelsineoqduboieupbpatepdoprtliioefdyfaotcuoilnwiteaaetredd
aapsspilsictaatniocnepaonlidcieinsfaonrmd patroiocne,dcuorenst.act the Veteran’s Administration directly for

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Q Page40
Why should I hire a REALTOR who specializes in working with seniors instead of my
friend from church, my past REALTOR, my daughter’s best friend, or my neighbor?
A (mAwaThdheeisthpienarrtitthi’cseualapbraumsyto.evrI’ens-ofaarcdstoe,wlldeners’psizeminnadgrinmkgeotv)o,enit-miissalmirkkoeerlyteucanrniltidkiceeaaclnnoyonwoomtthihecarncmierocvvueemrytsohtuaatnhycaoevues
kpcnhoooswosesleesdsg.aeR,etarmaniednmeedbxecRre,EllyeAonLutTrOndReogwopnotissaistzieionsngsisnmkgoillvsheigthihna-vlteovltvehelessaaavleerrasatgheeexrpReeErxAiteLenTncOseRi,vemsuaspyeetnrioooftr
suavenaivqieluareabllecdoiifsmyspoimouniwlaearnntatsre,yaorseu.rqYturioariunnsgwitihliloignrehtqloyubirseepaetshceitarlobizueebsdltepnfrereogefoeatsisastpiooonrsaaslsnibdlteop.eaospsleismt aynoaugeinr

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