Ask the Experts: August 2019
Q: I’m thinking of transitioning to a vegan diet. What are some tips on how to start out?
A: Transitioning to a new style of eating can be intimidating to many people. However, with the popularity of veganism on the rise, switching to a plant-based diet has become easier than ever before. The countless varieties of meat, dairy, and egg alternatives are easily found at a majority of supermarkets and restaurants in the local area. Whether for health, the environment, or animal welfare, developing a “why” for a change in eating habits will support you on the path of this new lifestyle. Simply beginning to replace animal products with their plant-based alternatives is a great first step to becoming vegan. Also, find a community of like-minded individuals to support you on your journey. Take one step at a time. A healthful way of eating is not about being perfect, but simply doing the best you can at a pace that feels right for you. As the Dalai Lama once said, “Happiness is the highest form of health.”
Sunrise Natural Foods
1950 Douglas Boulevard, Roseville
Q: Can I get a mortgage if I’m already retired?
A: Yes! A Home Equity Conversion Mortgage (HECM) is a mortgage that does not require monthly mortgage payments, so perfect for retirees (must be 62 years or older). A HECM does require you to continue to pay property taxes and insurance, and that you qualify both with income and credit, just like a traditional mortgage. There are ways to set aside funds so that the taxes and insurance can be paid for life expectancy from the mortgage. The loan can be used for home improvement, cash flow improvement, or as a stand-by for future expenses like long term care needs. Subject to credit approval.
Launi Cooper, Certified Reverse Mortgage Professional
Retirement Funding Solutions
201 Creekside Ridge Court, Suite 100, Roseville