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14 LIVE IT UP! FRIDAY, JANUARY 27, 2017 SANTA CRUZ SENTINEL How You Can Benefit from a Reverse Mortgage! Many homeowners across the naon have chosen a Home Equity Conver- sion Mortgage (HECM) to help them meet financial and personal goals. A HECM loan can be a smart and secure financial opon for seniors who want to tap into a poron of equity in their home to gain access to tax-free₁ funds. Benefits Eliminates exisng monthly mortgage payments₂ Stay in your home and maintain ownership Heirs inherit any remaining equity a er paying off the HECM loan Federal Housing Administraon (FHA) insured HECM loan program Loan proceeds are tax-free₁ Eligibility Homeowner must be at least 62 years old Must have sufficient equity in your home Single family home, two to four unit₃ owner occupied home, townhouse, approved condominium or manufactured home 866.425.1250 or 831.425.1250 Santa Cruz Home Finance is your local source for reverse mortgages! 1535 Seabright Avenue | Santa Cruz, CA | 95062 www.SantaCruzHomeFinance.com SCHF NMLS #237693 | CalBRE #01316139 ₁ Please consult your financial advisor ₂ You must sll live in the home as your primary residence, connue to pay required property taxes, homeowners insurance, and maintain the home according to FHA requirements ₃ Not applicable to HECM for Purchase A new year is an excellent opportunity to assess your health and resolve to make positive lifestyle changes. "Many people work hard to establish healthy habits at the beginning of the year. But for those with busy schedules and tight bud- gets, maintaining these habits over time can be a challenge," says Jill Turner-Mitchael, senior vice president of Sam's Club, Consumables and Health and Wellness. To help people prioritize and maintain their health in 2017, Turner-Mitchael and Sam's Club pharmacists are offering tips that are practical and affordable. • Secure Regular Screenings: It is impor- tant to get regular health screenings to keep track of the state of your health. Routine tests are oen the first to get postponed when people get busy, but they are crucial for ensur- ing any potential medical issues are identified and addressed as early as possible. Resist the urge to let cost or time con- straints prevent you from getting regular check-ups. For example, free health screenings are oen available at Sam's Club, which offers a full suite of affordable health care offerings. ese screenings are open to both members and the public at no cost, covering a wide range of tests to assess various health factors. Don't forget regular vision and hearing tests, as well. • Ask Questions: Don't be afraid to ask questions and seek out advice for improving your health. One easily accessible professional resource that is oen overlooked is your local pharmacist. Before visiting the pharmacy, con- sider whether you have any health questions and jot them down. Pharmacists are eager to help people understand their medications and health, and you don't need to go through the hassle of making an appointment. • Focus on Fresh Foods: Incorporating fresh fruits, vegetables, whole grains, lean protein and legumes into your meals can help you maintain a healthy weight, while also building your immunity and muscles. Smooth- ies, leafy green salads, vegetable stews and grilled fish are all great choices. You can also boost flavor with low-calorie ingredients that offer nutritional benefits, such as garlic, onion, spices and herbs. Some retailers today make it easy for shop- pers to identify nutritious items. For example, Sam's Club highlights healthy, organic foods with green tags. • Select Supplements: Even the best diet can fall short of nutritional guidelines. Consider consulting with your healthcare professional about boosting your diet with a daily multivitamin or supplement tailored to your individual health needs. • Verify Your Vaccinations: Immunizations can help prevent illness and save lives. Make 6 EASY WAYS TO TAKE BETTER CARE OF YOUR HEALTH B Y S T A T E P O I N T