Spring 2012 - Retirement Housing Foundation

Farrfield Manor (Columbus,GA) hosted a 50thAnniversary celebration for RHF in March.Spring 2012

From The PresidentA Matter Of PerspectiveThe HUD 202 program, which provides affordable housing forolder adults, has been around for more than 50 years. Manyof RHF’s communities have been built and continue to be builtunder that program.The program provides funds for construction. Persons who are at50% or less of the area median income and 62 years or older pay30% of their income as their share of the rent, and the balance tokeep the building operational is paid by subsidy from HUD.In the late 70s and early 80s Congress was providing fundingfor about 20,000 new apartments annually. In spite of thedemographics showing that the number of individuals overthe age of 65 will double in the next 30 years in our nation, thenumber of new units diminished over the years to about 4,000 in a combined 2010-2011 allocation.And for 2012 Congress funded no new units and they are proposing no new units in the 2013 budget.For years there have been proposals to defund the program - but elected representatives, from both sides ofthe aisle, have ALWAYS considered it a vital program worthy of federal funding.Once when I was in DC to testify on the housing program in the afternoon, that morning I attended a pressconference in which former Missouri Senator Kit Bond talked about how the Senate had reinstated the programon a vote of 96 to 0. He said, ”When you get that kind of vote you know it’s not a matter of politics; it’s amatter of morals.”It is a matter of morals but it is also a matter of perspective.Another time when I testified before the House Banking Committee on the need for the program, duringthe question and answer time one member said to me, “It’s a great program, but tell us where do we get themoney.” I responded,” First of all, I am not anti military but it’s a matter of perspective: one B 1 bomber is allwe ask.” They looked at each other and nodded their heads and the program was funded that year.We know that we have major financial challenges as a nation, but I remembered the above experienceswhen I heard about the building of a billion dollar embassy in Iraq and we’re told we’re going to build abillion dollar embassy in London as well. Maybe we should be building $500 million embassies around theworld and putting the balance toward vital stateside programs like the HUD 202 program!RHF Today is published periodically for residents, families of residents, the United Church of Christ and sponsoringcongregations, staff, local board members, and friends of Retirement Housing Foundation, 911 N. Studebaker Road, Long Beach,CA 90815-4900, Telephone (562) 257-5100/FAX (562) 257-5200, TDD (800) 545-1833, ext. 359. www.rhf.org - e-mail: info@rhf.org.Retirement Housing Foundation is a nonprofit California corporation dedicated to planning, sponsoring, building, preserving andmanaging housing for older adults, low-income families, and persons with disabilities. It is a member of the Council for Healthand Human Service Ministries of the United Church of Christ, and also co-sponsors housing communities with other denominational,civic and community organizations. RHF is a member of LeadingAge and its state affiliates. RHF serves and employs withoutregard to race, creed, color, sex, national origin, religion, ancestry, marital status, physical disability, age, medical condition (includingpregnancy), or familial status.President and Chief Executive Officer: Rev. Laverne R. Joseph, D.D.BOARD OF DIRECTORSChairperson: Rev. Dr. John E. Trnka Vice Chairpersons: Christina E. Potter, Dr. Darryl M. Sexton Treasurer: Thomas S. MasudaDirectors: Dr. John Bauman, Rev. Dr. Norma DeSaegher, Norma DeSaegher, Jean G. Dremstedt, Raymond E. East, Frank G. Jahrling,Donald King, Rev. Harold S. Schultz, and Stewart M. Simington.RHF Foundation, Inc. provides financial resources through gifts and managed funds that assistthe mission of Retirement Housing Foundation.-2-Continued on page 10

Celebrating Our MissionRHF Celebrates 51 Years2012 Friend of the Elderly AwardJay Schochet & Rick Henken, Schochet Associates, Inc.Schochet Associates, Inc. owns and/or manages nearly 4,000 apartmentsand 275,000 sq. ft. throughout New England. Headquartered in Boston,MA, the company has regional offices in Newport, RI and Portland, ME,and employs over 130 people.Schochet’s partnership with RHF began in 1983 when plans for thesyndication of Angelus Plaza were being implemented. We believethis syndication, which closed on December 31, 1984, was the first ofa nonprofit-owned community under the tax credit program. Sincethen, working together the two firms have acquired and preserved asaffordable nearly 2,300 apartments in Massachusetts and Connecticutwith another 150 scheduled to close this spring.Operating under the direction of Foundation PropertyManagement, the Federal Management team has been ableto significantly upgrade each development’s physical plantand institute a broad range of resident services and amenitiesto ensure that our residents, whether elderly or family, arecomfortable, happy, and safe in their homes.Jay R. Schochet is the founder of the corporation and servesas Chair of the Board of Schochet Associates and FederalManagement, which he founded in 1973.Richard J. Henken officially joined Schochet Associates asExecutive Vice President in 1997. Then in 2004, he becamePresident of Schochet Associates and Federal Management.Since joining the company, he has been responsible for closingtransactions with a total value in excess of $400 million.RHF is pleased to present the 2012 Friend of the Elderly Award to Jay R.Schochet and Richard J. Henken, Schochet Associates, Inc.RHF’s 2012 Local Board Member of the YearRev. Ray Scribner - LaFontaine Center, Huntington, INSince 2001, Ray has been treasurer of the La Fontaine Center Boardof Directors. He has served on the board since 1992. A native ofMaine, he served in the US Air Force from 1956 to 1960, then attendedBangor Theological Seminary and the University of Maine.An ordained minister in the United Church of Christ, he servedchurches in Maine, Michigan, and Indiana, retiring in January,2011, after 44 years of pastoral ministry.Besides the La Fontaine Center Board, Ray is a member of theHuntington Exchange Club, and Chair of the Huntington CROPWalk for many years. He was a recipient of the HuntingtonExchange Golden Deeds award in 2002. He has been a greatsupporter of the La Fontaine Center.RHF is pleased to present the 2012 Local Board Member of the Year Award to Rev. Ray Scribner.-3-

RHF Celebrates 51 Years (cont.)RHF’s 2012 Rex Chapman Award WinnerRev. Dr. Teruo Kawata51st Anniversary CelebrationThis is one of RHF’s highest awards and is given in recognition of outstandingservice. The award is not presented every year. It is named after RexChapman, who served on the RHF Board from 1977 to 1998, and as Chairfrom 1984 to 1989.Dr. Teruo Kawata began working with RHF over 20 years ago when hewas the Conference Minister of the Hawaii Conference of the UCC. He wasinstrumental in the development of Pauahi Kupuna Hale and,later, the Harry and Jeanette Weinberg - Philip Street Apts. In1997 he joined the Board of Directors for RHF and his wife,Kiku, became a member of the RHF Advisory Commission andalso served for a time on the RHF Foundation Board.For a decade now, Dr. Kawata has led RHF’s strategic planningprocess.Dr. Kawata holds three Bachelor of Arts degrees and twoDoctorate degrees. He is former General Secretary and formerConference Minister of the Hawaii Conference and the CentralPacific Conference of the UCC. This year Dr. & Mrs. Kawataretired from RHF’s national Board of Directors & AdvisoryCommission (respectively).Dr. William E. Rader1916 - 2012RHF pays tribute to a gentle man who made it hismission to provide affordable housing for Modesto’sseniors.Bill Rader and his wife, Buni, moved to Modesto in 1946,after he completed his doctoral degree at Cornell University.Bill was employed by the newly opened Shell BiologicalSciences Research Center, where he worked as a senior staffscientist for 35 years.Dr. William E. Rader first became involved with RHF when anon-profit, which he had helped create, ModestoAffiliated Church Housing Corporation (MACHCO),wanted to build affordable housing for seniors in theModesto area and they asked Retirement HousingFoundation to help them in their efforts.A few years later he found himself on RHF’sNational Board of Directors, a position he would hold for30 years, including chairing the board from 1989 - 1993.During his tenure, RHF grew from sixteen communities located in California tomore than 150 communities spanning from the Virgin Islands on the east to Hawaiion the west. He, along with his late wife, Buni, gave a considerable amount of timeand effort to helping RHF become the organization it is today.Ralston TowerGroundbreaking in 1973Marple Manor1982 GroundbreakingBill and Buni retired from the Board and Advisory Commission in February, 2005.-5-

RHF HistoryContinuing To Celebrate 50This is part four in a series of articles about RHF’s history.In telling our story, every once in a while we will use oneof RHF’s founders, Clark Harshfield’s words (from his ownnotes).Angelus Plaza opened its doors in 1980 and 1981 - because of theenormity of the project (1,093 units consisting of four 16- and 17-storybuildings and a 6-story senior center), the construction was dividedinto two separate time periods and two separate contracts.The first phase provided for the Los Angeles Community RedevelopmentAgency (LA-CRA) to issue its own tax exempt bonds for atotal sum of $48 million. The second phase was financed bytax exempt bonds insured by the Department of Housing andUrban Development (HUD) in the amount of $18.5 million.1) 1979 - Angelus Plaza Construction2) 1981 - Angelus Plaza Dedication3) 1981 - A Completed Angelus Plaza4) 2011 - Angelus Plaza TodayA Key ElementHUD also committed to providing Section 8 subsidies foreach and every apartment - it was the key element to makingthis project work.What few know is that the process that led up to a 1979groundbreaking for this community began in 1963 - whenClark Harshfield and a few members of the RHF Boardbegan knocking on the door of the newly founded LA-CRA. Authorizedby a vote in the late 1950s, LA-CRA had acquired all of the housing andacreage on their redevelopment area - Bunker Hill - in downtown LosAngeles. RHF felt that a major retirement complex was needed in thedowntown area and that Bunker Hill offered that opportunity. The RHFcontingent was received cordially at the CRA offices - but work on theBunker Hill project was still in the planning stages.In 1968, the CRA was again approached by Clark and RHF wasinvited to prepare a plan and a proposal for a 6-acre projectfronting on Hill Street and spanning the Third Street Tunnel.The proposal was received with sympathetic interest, but waspromptly filed away.In 1974 another appeal was made and this time it seemed thatCRA staff was taking it seriously. In January of 1975, the LA-CRABoard of Directors considered the subject officially and published aRequest for Proposal for the development of the 6-acre site, designatedfor low-income senior housing. Two additional groupssubmitted proposals for the site - The Catholic Archdiocese and theVolunteers of America. On May 24, 1975 RHF received the officialletter granting the “exclusive rights to develop” the Bunker HillProject.A process that had begun twelve years earlier was finally goingto become a reality - the largest affordable community for lowincomeseniors in the country was finally more than a dream.-6-

RHF HistoryYears Of Caring About PeopleRelationships MadeIt had taken the efforts of many individuals and organizations tomake Angelus Plaza a reality and the relationships that were madeduring those efforts would play a major role in RHF’s expansion.In 1983 the Forest City Corporation was working with a churchrelatednonprofit organization in Indiana to sponsor two HUD202 projects. HUD had approved the projects, the plans had beendrawn, the contractor selected, and the loans were ready for finalendorsement. Suddenly, the nonprofit group sponsoring theproject was declared to be bankrupt and HUD was ready towithdraw its commitments. The Forest City Corporation hadworked with RHF on Angelus Plaza and asked RHF to step inand try to save the two projects in Indiana.Clark Harshfield flew to Indianapolis and met with the chiefunderwriter of the projects and the director of the Indiana HUDoffice. There were two days of meetings with calls back and forth toWashington, D.C. RHF was approved as sponsor of the communities,paperwork was signed, and within a week construction began withRHF as the owner.I labeled it the “Indiana Miracle” - in forty-eight hours RHF hadprocessed two large HUD loan commitments, costing more thantwelve million dollars for the financing of 306 apartments. Groundbreakingfor the Anderson project (Southdale Tower) washeld the same week as the paperwork was signed - the Indianapolisproject (Crooked Creek Tower) followed a few weekslater.The Birth of a National OrganizationThe response to RHF’s presence in Indianapolis was very positiveand within the year, additional opportunities opened up forRHF.Negotiations began for the Westminster Gardens and YellowwoodTerrace projects; the mayor of Anderson (Southdale Tower)urged RHF to apply for additional HUD 202 allocations (resulting inLongfellow Plaza); prominent citizens in Huntington, Indiana askedRHF to work with them in turning a famous landmark (the LaFontaineHotel) in their community into affordable housing for seniors; furtherencouragement to expand in the state came from the leadership of theIndiana-Kentucky Conference of the United Church of Christ.Ultimately, the number of RHF communities in Indiana would grow to 17.The 1980s was a time of huge growth for RHF - adding 68 communities toits portfolio of 14 communities and expanding into 17 states and Puerto Rico.Along with huge growth came huge challenges and Clark Harshfield,who had dedicated 25 years to the RHF Mission, was anticipating hisretirement.Where would RHF find its next leader?1) Southdale Tower2) Crooked Creek Tower3) Longfellow Plaza4) La Fontaine Center-7-

Comunity NewsHappy Birthday To You, Happy Birthday To You . . .The Cloisters - Deland, FloridaAnnie first voted for the President in 1920 when women won the right to vote andhas not missed voting for the President since then. She voluntarily gave up her carand driving at age 103. She turned 107 this January.She attributes her longevity to being active and keeping her mind occupied withothers and the world and what they do - not on herself. She believes you must keepthings that interest you alive. Hobbies include music, symphonies and reading.Binnall House - Gardner, MassachusettsMary Katharine Burke has traveled extensively throughout her 100years and seen many wonderful things.She was involved in the civil rights movement through her work withDallas Nicholas, an attorney. Some of the letters she transcribed duringthat time are now housed in the Thurgood Marshall Law Library at theUniversity of Maryland.She feels that one of the most defining parts of her life was raising 26foster children with her husband of 55 years, Maurice, along with theirtwo adopted children.Pilgrim Manor - Grand Rapids, MichiganHelen Lettinga celebrated her 109th birthday this year. She was born the yearthe Wright brothers made their first powered airplane flight. She has livedthrough the Great Depression, two World Wars and seen men walk on themoon. But when asked what has been the most important event in her life, shewill tell you that it was women earning the right to vote.Helen has lived at Pilgrim Manor since 1993 and still does her own laundry.“Some days, you feel like climbing trees,” she says. “Other days, you just wantto read a good book.”She attributes her longevity to a healthy lifestyle. She never smoked or drankand walked nearly everywhere in her youth.Bishop’s Glen - Holly Hill, FloridaMargurite Sapora was born and raised in Steele, North Dakota. She is 102 years old this year.After spending her life as a teacher and librarian, she retired to Florida and moved into Bishop’sGlen Retirement Community in 1994.Angelus Plaza - Los Angeles, CaliforniaPetra Hernandez was born in Durango, Mexico on January 31, 1910, and hasbeen living at Angelus Plaza for the past 24 years. She has two sons and a daughter,three grandchildren, and 6 great grandchildren.Ms. Hernandez worked for the Los Angeles Unified School District as a volunteerfor many years. She likes to go out with her family and she loves parties and funactivities. Ms. Hernandez is currently attending a yoga class two times per weekat the Angelus Plaza Senior Activity Center.This past January, Ms. Hernandez celebrated her 102nd birthday with a big partywhere all her family wished her the very best for many more years to come!-8-

Going GreenerBinnall House - Gardner, MassachusettsThe Binnall House and its 134 apartments have taken steps towardadditional year-round efficiency with the replacement of aging solarpanels.“This system was initially installed in the 1980s during the first energycrunch,” said Ilene Mason of Rethinking Power Management, who was aconsultant on the project. “We’ve replaced it with a system that couldrun year-round.”The Retirement Housing Foundation, which operates the downtownaffordable housing community, has been working on energy-savingmeasures at its facilities throughout the country, according to Ms. Mason.Much of the effort so far has focused on reducing energy and waterconsumption through lighting upgrades and new appliances, includingthe replacement of 840 refrigerators throughout the organization’s NewEngland properties.“While we are looking across the properties at ... overall consumption, weare also looking at things that benefit the tenants,” she said.Community NewsBill Battles of Village Plumbingguides materials onto the roof ofthe Binnall House. (Photo by SamBonacci)The panels and lines that run through the building have been replacedwith a system that can run all year. Unlike solar photovoltaic systems that generate electricity, solar thermalsystems are used to assist in the heating of water.“It warms up a fluid ... and that fluid goes through a heat exchanger to preheat the domestic hot water,” saidMs. Mason. “It is a fluid system instead of an electric system.”The racking system that holds the panels will be reused, reducing the cost of the project. The project cost anestimated $90,000.“The panels will offset approximately half the cost for domestic hot water in the building,” said Ms. Mason.The changes were funded through the Low Income Energy Affordability network, which received stimulusfunding as well as funding from the Massachusetts Clean Energy Center. The project is the 22nd such effortbeing completed in the state through the program, said Ms. Mason.(This article appears on the Schochet Associates website)Lane Manor GroundbreakingLane Manor - Stone Mountain, GeorgiaOn a beautiful March morning officials from DeKalb Countyand the Department of Housing and Urban Development(HUD) joined team members from RHF to break ground forRHF’s fifth community in the state of Georgia.When completed, Lane Manor will be a 54-unit HUD 202community and will be located in the unincorporated sectionof Stone Mountain, GA.Funded with a $5.6 million grant from HUD and $200,000 HOME Fundgrant from DeKalb County - this will be the first subsidized housing forseniors in the unincorporated area of Stone Mountain.If all goes as planned, RHF will begin taking applications at thebeginning of 2013.-9-

A Matter Of Perspective(Continued from page 2)By the way, I just read that we intend to build a $500 million social security office in Maryland where 250people will be employed. It is definitely a matter of perspective.During all the debates about stimulus funding I kept saying we should put some of those funds into the affordablehousing program because they will create temporary construction jobs, permanent management andmaintenance jobs, AND address a critical social need at the same time. I had a real life illustration of this inMarch when we were celebrating RHF’s 50th anniversary in our Arizona communities.We were holding our celebration at Verde View in Camp Verde and Mayor Bob Burnside spoke about how hissupervisor, Darwin Rushton, worked on the plumbing in Verde View when it was under construction in 1990and then went on to establish his own firm, Yavapai Plumbing and Electrical. I spoke with Mr. Rushton whosaid that the firm is now Yavapai Mechanical and operated by his son, Jeremy. They employ 35 persons andhave worked on numerous HUD buildings as well as other construction projects in Arizona. It proved myargument.It also makes good economic sense for the nation and states.When older adults living only on Social Security need more intense services, their only other choice may beto go to a nursing home on Medicaid. To maintain them in affordable housing, with Social Service Coordinatorsconnecting them with low- or no-cost services, costs government about 30% of what it would cost to havethem in a nursing home on Medicaid.Today there are 40 million persons in the USA 65 or older. By 2030 there will be 72 Million and by 2050, 88million and many will be below the poverty line. Imagine what Medicaid will cost government and us astaxpayers then.Already AARP reports that there are 10 persons on waiting lists for every vacancy which occurs in a HUD 202.What do we do about this? All of us—residents, staff, board members, sponsors, churches , synagogues, businesspartners, families, friends and neighbors—need to write and telephone our members of Congress and tellthem it’s a matter of morals and it’s a matter of perspective as to how we choose to spend our tax dollars.There are lots of dollars wasted and lots of foolish expenses, but dollars allocated for the HUD 202 programmake good economic and moral sense!Happy New Year!!!Symphony Plaza - Boston, MassachusettsEach year, Symphony Plaza East and West host a Chinese New YearExtravaganza, which is almost entirely planned and executed by a largegroup of Chinese residents.It is by far one of the most exciting events of the year, and it alwaysdraws a huge crowd of residents. The program is made up of aseries of performances—including traditional Chinese dancing,singing, Tai Chi demonstrations, games, and even comedy routines.Afterwards, residents share the home-cooked food and treats theyhave brought, and everyone leaves the event happy and full!-10-

Honoring Some Incredible IndividualsVolunteersA pessimist, they say, sees a glass of water as being half empty; an optimist sees thesame glass as half full. But a giving person sees a glass of water and starts looking forsomeone who might be thirsty.- G. Thomas GaleApril has been designated as National Volunteer Month and it seems only fitting that we take a few pages inthis publication to recognize some of the thousands of individuals and groups who make a difference to ourresidents and in our communities on a daily basis.RHF’s 2012 Volunteer of the YearDorothy Sanders - Ingleside Manor, Macon, GeorgiaDorothy Sanders was born in Manhattan, New York. Her familylater moved to Michigan where she was a graduate of NorthwesternHigh School in Detroit. She received a BA/BS degree from theUniversity of Detroit Mercy in Business Administration andAccounting.Dorothy was a resident at Ingleside Manor from March 2007until February 2010. Ingleside Manor’s manager writes that thefirst time she met Dorothy to begin her move-in paperwork, shestated, “If you ever need me to volunteer here, I will be glad to. Ivolunteer at a lot of different organizations.” Taking her up onher offer, she started volunteering in the office a couple of days aweek.Dorothy is a retired Accountant. Every year she volunteers tofile all residents’ Income Tax Returns at no charge. She is also aNotary, and offers this service to all residents at no charge.She makes sure that residents receive energy assistance, discounts on their phone bills, and reminds them tosave receipts for all ‘out of pocket’ medical expenses. When the community has ‘Call Congress’ days, Dorothyis a firm believer that everyone has a voice in government, and she helps the residents with the calls.Whenever there are severe weather conditions, Dorothy drives to Ingleside Manor after hours – sometimesat 2:00 or 3:00 in the morning – to check on the residents who are fearful and stay with them until the stormpasses over. She assists with the holiday community lunches and makes sure that the “shut-ins” are served.She donates her Saturdays cleaning apartments for residents who have no family or friends to help them. Ifresidents are in need, she will buy them groceries. She donates to all the resident activities and fundraisersand helps them any way she can.Dorothy’s other activities include Secretary of Chamber of Commerce, Secretary of Friends of Sheriff’s Office,Member of Chamber Education Committee, Chair of Consumers Advisory Council of US Postal Service,member of the Georgia Industrial Economic Board, Member of Elementary School Advisory Committee, andVolunteer at the Middle Georgia Food Bank. She tutors math students at elementary school and creates andsponsors Candidates Educational Seminars, collects toys for Marines “Toys for Kids”, is a church volunteerfor the Loaves and Fishes Program, Habitat Project, Homeless and Youth Programs, and the Fall Festival.She is a member of the Concerned Citizens Group of the County, assists with the Martin Luther King Paradeand Black History Month activities, and is the County Chairperson for the American Cancer Society Relayfor Life activities and fundraiser.For all that she does for Ingleside Manor and the larger Macon and Georgia community, RHF is pleased topresent Dorothy Sanders with the 2012 Volunteer of the Year Award.-11-

VolunteersDr. Richard LieboffAngelus Plaza - Los Angeles, CaliforniaSince 1981, Richard Lieboff has been an advocate for underservedseniors and the disabled. While logging over 5,600 hours of dedicatedvolunteer service, Dr. Lieboff has served as both a member of AngelusPlaza’s Advisory Council and as its President.Richard’s active involvement has profoundly impacted seniors at AngelusPlaza and throughout the greater community. In addition to his work atAngelus Plaza, Dr. Lieboff has assisted in successful fundraising campaignsat Citrus Community College, the L.A. Zoo, Partners in Care Foundation andthe Coalition for Pulmonary Fibrosis.Dr. Lieboff holds a Ph.D. in Developmental Psychology from Purdue University.His commitment to the elderly is underscored by his professional affiliation and service to the Senior CareNetwork at Huntington Hospital, the City of Los Angeles Community Development Department, the SeniorNutrition & Social Services Program and the L.A. City Department of Aging.RHF and the seniors of Los Angeles County have benefitted from his expertise and enthusiasm.Rev. & Mrs. Venson PughLos Arcos - Poway, CaliforniaThey’re a team in everything they do.Pastor Venson Pugh and his wife, Shirley have been providing twoSunday church meetings and two weekday Bible study meetings everymonth since 2005.Every month they celebrate the residents birthdays with cake andrefreshments. Last Thanksgiving they cooked a meal with all thetrimmings for the residents.Whether it is cleaning all the upholstered furniture at the community,presenting a seminar celebrating Black History Month or beinginstrumental in getting an additional computer donated to thecommunity - when they see a need for the residents at Los Arcos, they are always willing to help out wherethey can.Lynn Lichtenstern, manager at Los Arcos says, ”We are truly blessed to be recipients of their gracious andfaithful service throughout the years.”Jan TobelmannBenson Manor - Smyrna, GeorgiaJan Tobelmann has many talents.Since she moved into Benson Manor in 2005, she has taken on the job of creatingthe monthly resident calendar, decorated the community room for theholidays, helped residents get public services, welcomed new residents with agift bag of goodies, and published the community’s telephone directory.But it may well be her musical talents that leave the greatest impression on allwho know her. She graciously provides the musical entertainment at variouscommunity events.Her lifetime love for music has also resulted in the creation of a CD she’stitled “Hushaby”, a collection of baby lullabies that she composed for womenserved by Cobb Pregnancy Services - the agency to which Benson Manor’s Project H.A.N.D.S. ® group donateshandmade quilts and other items they make.-12-

VolunteersVolunteers are the only human beings on the face of the earth who reflect this nation’scompassion, unselfish caring, patience, and just plain love for one another.- Erma BrombeckNona Amack300 Main - Estacada, OregonThere doesn’t seem to be anything that Nona Amack can’t do.Nona first started visiting 300 Main and its residents a numberof years ago - when the musical group she belonged to, theUpriver Dulcimers, started entertaining the residents. That became amonthly get-together.She also entertains them on her accordion, will bring in ‘guest’musicians for a jam session in the community’s lobby, andorganized the entertainment for the community’s 50th Anniversarycelebration.®Upon hearing about 300 Main’s Project H.A.N.D.S. group, shebegan playing an active role in their activities - arriving early at theweekly meetings to organize the 20 - 25 volunteers of all ages (including 300 Main residents, friends from thegreater community and a large contingent of students from the Porter Road Mennonite School). She not onlytaught the group to use knitting looms to create hats and scarves, but she began collecting materials and donationsfor the group as well. The group donates items to Estacada’s Christmas for Kids and Nona is alwaysthere to help with setting up the event.She participates in the community’s weekly Bible Study, helps out at the various parties (which usually includesbringing some ‘goodies’, too) and is a comforting presence if a resident is ill or needs help.She has truly enriched the lives of the residents of 300 Main with all of her hard work.Virginia FraniLa Mirada Vistas - La Mirada, CaliforniaVirginia Frani has been a resident at La Mirada Vistas for more than 13 years- she considers the residents there to be her extended family. So it isn’t tooterribly surprising to see her checking up on them to make sure they arealright and providing resources to make their lives a little bit easier.While she suffers with a number of debilitating conditions, she is still an®active member of the community’s Project H.A.N.D.S. group, makingbeautiful soft yarn hats for newborns at local hospitals and shelters.She is also a vocal advocate for the residents and RHF. She makes it a pointto stay on top of the changes at the federal level on programs affecting LaMirada Vistas and its residents and is the first to sign letters to variouselected officials that encourage them to vote the right way and encouragesother residents to do the same.Gloria Pedregon, La Mirada Vista’s manager states, “She is an inspiration for other residents and her smilemeans so much - we are blessed to have her here at our community.”-13-

Charitable GivingA Spring To-Do List for Estate PlanningThe flowers are blooming, the birds are singing, and spring is on its way as we clean out those winterblues. Spring cleaning is that annual tradition that allows us to freshen up our surroundings and get ahead start on the hectic seasons of spring and summer.As you begin spring cleaning of those cupboards and closets, take a moment to review your estate planoptions before tax rates change. As you may already be aware the Federal estate tax rates are slated tochange once again in 2013, unless Congress decides otherwise.There’s much you can do to streamline one of the largest planning decisions of your life. And like springcleaning when you break things down into pieces, estate planning can be a lot less intimidating.Some essentials to consider:• Professional advice. Find a qualified estate planning professional who will listen to you andcraft a plan that works for you and your family. That’s the best assurance that your intentionswill be honored.• Health care power of attorney. Before you make any big decisions about who will get itemslike furniture and collectibles, you need to determine who will represent your interests with yourdoctors should you become incapacitated. And a living will tells medical staff what to do in theevent you are placed on life support.(Continued on page 15)In Memory of . . .. . . Kathy AlmersJoAnn EvansMaggie GuzmanDr. & Mrs. Laverne JosephRebecca LarsonMargaret RauenSandy Rogers. . . Kris AmbergRobert AmbergMr. & Mrs. Raymond E. EastStuart HartmanRev. Dr. Robert &Mrs. Christina Potter. . . Rex ChapmanMr. & Mrs. James Collinson. . . Karrington ClarkPatricia Clark. . . Gail FainDr. Charles Fain, Jr.. . . Alan FurutaMr. and Mrs. Tom Masuda. . . Maureen GilbertEleanor West. . . Arnetta GriceRita Nealy. . . Mr. & Mrs. IshoIsho Hasso Isho. . . Louis and Laura KandlerRev. Harvey Kandler. . . Joseph Kennedy, Jr.Frances Loh. . . Lizanne MoncriefWilliam Moncrief. . . Jean Moore WarrickLois BahmMr. & Mrs. Norman Moore. . . William RaderCollen AdamsMr. & Mrs. Raymond E. EastDr. & Mrs. Laverne R. JosephMr. & Mrs. Tom MasudaDr. & Mrs. John E. Trnka. . . Dr. Don Rose300 Main Board of Directors. . . William ScottFrancis CliftonMarjorie DemoranvilleAlice LittleFrances OliverSouth TexasVeterinary Specialists, LLPDavid VandewalkerEugene Watson. . . James SempeposTheresa Sempepos Pod. . . Roger SimpsonJane Simpson. . . Katherine TaylorOdette ColemanDr. & Mrs. Laverne R. Joseph. . . Mason ThomasMr. & Mrs. Raymond E. East. . . Wilma TogniniJoyce Lovelace. . . Sui Keun TongM. Lui. . . Shigeo UjiiyeMr. & Mrs. Tom Masuda. . . Merrill WhittierMr. & Mrs. Tom Masuda-14-

RHF Circle of FriendsCharitable GivingThe RHF Circle of Friends is our legacy society. There are many ways to qualify for membership, such as RHF giftannuities that provide lifetime income to the donor, life insurance, real estate gifts, charitable remainder trusts,and gifts from pension fund assets and/or simply including RHF in your Will or Trust. For more information in confidenceand without obligation, contact our Charitable Giving Department, at (562) 257-5141.We are grateful for our RHF Circle of Friends members:Karolla BriceJean G. DremstedtBernice E. Elkin, MDRobert S. Fliehmann*Burton L. FrenchAlice R. Good*Rev. Dr. Teruo & Kiku KawataEveleth “Evie” Miller*Major Fitzhugh L. O’Neill*Virginia PaddockEric H. Pierson*Marian RhaneElsie ValekAnna Mae Wakefield*William L. WarrickNorman A. Whaley*(*indicates members who have passed away)Lydia CervenyRaymond E. EastDr. and Mrs.* Charles FainDolores P. FogaToshiko Okazaki Fukuda*Wanda Haudek*Laverne R. JosephJean Moore Warrick*Jean H. P. OppenheimerEdythe PattersonBarbara J. Ricker-In Memory of Emma (Sam) RickerJane ShenbargerMiriam P. Vandenbush*Richard Walinch*Eleanor J. WestVera Wolpert*A Spring To-Do List for Estate Planning (cont.)• Financial power of attorney. This document is similar to a health care power of attorney, onlyit designates someone to handle your financial affairs. The person you select should not only betrustworthy, but also understand something about finance or investing. (This document is alsoreferred to as a “property” power of attorney.)• Will or Trust. A will is an essential, simple document that everyone should have. It is alegal declaration by which you name one or more persons to manage your estate and providesfor the transfer of property in the event of your death. A trust can be drafted in addition, to serveyour more complex estate-planning needs. Property and other assets can be placed in the trustto shield them from taxes and from probate, the lengthy and expensive court process by whichwills are executed. With trusts, a trustee is appointed to manage the trust.• Charitable Gifts. Talk to your estate planner about how a charitable gift might reduce thevalue of your estate, and therefore the taxes paid on it. Allocating a portion of your estate or lifeinsurance to your favorite charity is a great way to leave a legacy. No amount is too small.• Updating old documents. If you have had an estate plan in place for years, take some time thisspring to review it. Make sure that you have designated your beneficiaries and trustees and thatyou have signed the proper documents to give people you trust access to medical and financialdecision making.-15-

DonorsRHFNationalHeadquartersThe following people made gifts to theRHF designated funds (see donor form)through our national office from7/16/2011 to 3/15/12:Cleofe AbadHermean AbernathyAging DisabilitiesCharities AmericaManuel AguilarElsie AltMaria AlvarengaYoung AnBuena AngelAnonymousConstance ArmisteadJessie AzaliChristine BacaChristine BakerDr. & Mrs.John (Jack) BaumanAlmabella BautistaSally BehanLeana BentleyShizuka BeppuMr. Evangel BettridgeNarcisa BocalbosAngelina BondocCelestine BonnerBetty BoyerKathleen BreenKarolla BriceMr. & Mrs. Mike BrooksRichard BuchananAkemi BurtonJean CalcagnoCarmen CasillasChong Soo ChaVenkat ChalanYen Bun CheungIn Jong ChoVeronica ChoJames Suk-Bum ChoiMr. & Mrs. Angelo ChonWilliam ChoyKeith ClarkAnnie ClaybornRichard ClementeMina CraigGlezilee CrossGrace CrossmanCulver City Rotary PlazaRoslyn CustanceRev. Dr. Norma &Col. John De SaegherIgnacia DediosNeo DennisFrank DietzBlanquita DizonAntoinette DobsonHazel DodsonMr. & Mrs. Ray EastDr. Bernice ElkinCarolina EnriquezYefim EydelMarie FarragoRobert FeilerBetty Jo FordMark GiventerRichard GondolfIsaline GoodridgeDolores GrecaHerman Green, IIIThank youU.S. Bankfor your generous gift of$20,000in support ofRHF’s MissionSteven HacheySun Kum HamSung HanBea HanleyHarry HawnHelen HeidenreichAhmad HendessiBobby HesterMary HinzmanLorraine HofmeisterLionel HolmesDorothy HoughRobert HurteauMr. & Mrs. Frank JahrlingDenise EjnkinsBong Seok KangParkash KaurRev. Dr. & Mrs. Teruo KawataBetty KennellChong Pom KimChul Jong KimChun Chong KimHak Sook KimSang Rak KimWilliam KimYoung Jun KimLuverne KindrexDeborah KirkseySarah KleinSang Ha KoAnita KristianssonChin Ki KwonKi Soom KyongLa Fontaine ResidentsHarvey LaibThea LakeyEsther LandiSay Yoek LawLydia LearyByung LeeCharles LeeChun Ja LeeJung Hee LeeJung Me LeeTea Bum LeeVirginia LevequeWan Sik LewLinda ListoeJanice LortonEdith MaerzRoger MahonKevin ManzMr. & Mrs. Tom MasudaArthur MattigWilliam MayerMr. & Mrs. James McGowanDr. & Mrs. Dailey McPeakFlora MejicanosJose MelendezBarry MellorEmilia MenachoMaclovia MendozaRoger MethvenBetty MobleyGeneva MoodyIrene MoralesWayne MullinNetwork For Good-16-

Elaine NiggMansoureh NilkhaniDavid NohBeverly NorthrupAlice NunezPak Bo OckMary O’NeillSuk Ran PakCarmen ParenzuelaYoung Shin ParkDale ParkerPartners For A Better WorldPauahi Kapuna Hale ResidentsAlbert PedregonViolet PetersPhilip Street ResidentsMargaret PinetteOk PyonLouis QuitoniCorazon RealBenjamin ReccaRedding PilgrimHouse ResidentsRuth ReidPetra ReynagaMr. & Mrs. Robert RheinerStan RichardsBarbara Gray RichleyPhilip RiggioYolanda RiveraConsuelo RomanTeresito San DiegoJuan SanchezDoris SandersSangnok Villa ResidentsJane SchatzleinRev. Charles SchepelRev. & Mrs. Harold SchultzJoyce SearsSeaside Community ChurchPhyllis SeidelDr. & Mrs. Darryl SextonMoe Heydari ShahBernice SmithAlys SolarBooker SpinksFrances StephensonPatricia StoneLily SurinSui May TamNina TarshisDimlay TranDr. & Mrs. John TrnkaIgnacio UrenaJohn VertiganCarol VesselsPaz VillaflorWarner Bros.Television ProductionAlice WellsL.S. WeselskyJames WestMr. & Mrs. Roger WestonMr. & Mrs. Douglas WickstromRichard WilsonSau Hei WuLaudelina YanesYong Sun YoonMyung Ja YoonMr. Timothy ZalesnyThank You 2012 Major DonorsWe are grateful to the following businesses that contributed a major gift to the RHF mission.They were recognized during our 51st Annual Meeting in February 2012.PLATINUM $7,500California Bank & Trust Schochet Associates, Inc. SullivanCurtisMonroeHD SupplyReuben, Raucher & BlumGOLD $3,500Latham & Watkins, LLP Dauby O’Connor & Zaleski Cook ConstructionNational Affordable Housing Trust Westport ConstructionNovogradac & Co., LLPGold/Silver ($2,500)SILVER $1,500Bank of AmericaAccurate Business Results Direct Supply Equipment Alpha ConstructionClifton Larson Allen, LLP Merrill Lynch KTGY GroupKlein Hornig, LLP Walton Construction Quest ConstructionMorrisseey Construction California Enterprise Community InvestmentWASH Multifamily Laundry Systems Bonne, Bridges, Mueller, O’Keefe & NicholsHarvey & Beth Oringher - Theodora, Oringher, Miller & Richmond PCSILVER/BRONZE $1,000Michael Orber & AssociatesBRONZE $750Palmer Kazanjian Wohl Hodson, LLP Yokota & Associates Hill Ward HendersonDaVinci Communications M Group - Architects Sheraton Cerritos HotelTrefethen Floral DesignUngaretti & Harris, LLPFRIENDS (below $749)Benrich Services Criterion Brock Flooring The Abo Group-17-

RHF Team GiversOur staff members perform important daily duties to make shelter and service a reality for the people we serve.Staff members who additionally choose to voluntarily support RHF through monetary donations are contributingto the fiscal health of our mission. We are extremely grateful for their optional financial commitment as well as theinvestment they already have made with their hearts, lives and careers.The following staff members personally contributed to our mission since our last newsletter:Collen AdamsLyliana AlvarezDeRenteriaRobert AmbergShana AndersJonas AngelesAnonymousKen AyalaNada BattagliaLashay BlackDuncan BradburyDonna BurkhongPamela CantyChristine CerratoJohn ChandlerJacqui ChewPatrice ClarkHeather ClineInez CodeusDave CooleyJaneete CooperSherri CosterCarmen CovarubiasBillie CulversonPhilamena DeckerAndres DiazJackie Dizon-NgConrad DungcaKoley EllingsonVicky EllisMaggie EngelbergJeff FergusonLinda ForsbergDelia GambinoLynn GamblePerry GlennFostine GotierrezChristine GrabysAnna GraddyEugene GrayJanice GreenMaggie GuzmanDee HammerCalvin HaraDelores HarrisStuart HartmanDavid HellerAngela HernandezEmily HidalgoEvet HowardCheryl HowellElinor HutchinsonGeraldine JacksonMelissa JacksonKerry JenningsChristi JonesLaverne JosephKen KaserLorri KavichJudith KeithleyTeresa KennedyArnold KimSuki KimJoseph KintyhttDina Marie KulzerJesse LandesKathy LarsonRebecca LarsonCharleneLawrence-RiceJulie LemkeDiane LespronLynn LichtensternCynthia LyonsBrian MagnoneMark MalloyDesiree ManngillisPam MaxfieldBill MeertLaVonne MickelsonMary MidkiffRita NealyLeah NelsonJacqueline NgWilliam NiehoffStanley PandyPeter PeabodyGloria PedregonDelores PetersJennifer PhillipsMary PresslerDolores QuijanoChris RagonJanie ReynaTina RobinsonMaria RodriguezSandy RogersLilette RosanoCynthia RudonGloria RuizIn Blue = Sterling Club members made donation via payroll deductionsIn Honor of . . .“SCM is proud to support RHF’s incredible commitment toimproving the lives of seniors and their communities. Somany lives have been favorably touched during the past50 years, and so many more will be in the decades to come.RHF provides an invaluable service to our nation’s seniors.”- SullivanCurtisMonroeChristina RyanJaquelineSalmon-MunnEduaro SaludDorothy SandersWendy ScottJudy ShawLuella SheltonSusan SiverlingJoann SmithRuth SmithPwint SoeMargaret SpillerSuzanne StaceyJennifer StaleyJoy StoneDeborah StouffBarbara ThornKarleen ThorpeStephanie TitusOlga TorresBuffy TresslerFlorence WebbJoella WilleyJudy WilliamsDiane WinkSharon Young. . . Culver City Rotary Plaza25th AnniversaryCarmelita Bell. . . Collen AdamsMark Kadzielski, Esq.. . . Wanda CampbellRuth Erickson. . . Ernest FowlerRobert Spicer Ramsey. . . Terry JohnsonJoyce Lovelace. . . Dailey and Nancy McPeakVickie Reynolds. . . Kok Eng YuLilette Rosano-18-

Matching Your Charitable GoalsWith The Right Type Of GiftMatching Your Charitable Goals With The Right Type Of GiftCash Securities BequestLifeInsuranceCharitableGiftAnnuityRetirementPlanAssets, IRARealEstatePersonalPropertyHow does it work?What do you want it to do?How do you make the gift?Donor BenefitsReduce estate taxGive CashMaximize thededuction,minimize thegift detailsWrite a checkor give onlinenowRemovestaxable assetsfrom theestateGiveappreciatedsecuritiesAvoid tax oncapital gains,afford alarger gift toRHFContributelongtermappreciatedstock or othermarketablesecuritiesRemovestaxable assetsfrom theestateSimplestform of giftplanning(plan now,give later)Make a giftthat costsnothingduring yourlifetimeName RHFin your willor living trustby designatinga specficamount of ashare of theresidueDonationexempt fromfederal estatetaxName RHF asbeneficiaryand owner ofthe policyMake a largegift at littlecostDonate paiduppolicy youno longer needor take out anew policyDonationexempt fromfederal estatetaxSimple giftcontract thatprovideslifetimepayments toone or twopersonsSupplementincome withsteadypaymentsthat are partiallytax-freeEstablish agift annuitycontract withRHF thatpays a setamount forlifeRemovestaxable assetsfrom theestateName RHF asbeneficiaryof the planAvoid doubletaxation atdeath;give taxadvantagedassets to heirsName RHFas a whole orpartial successorbeneficiaryon your plan’sformDonationexempt fromfederal estatetaxGiveappreciatedreal estateMake asubstantialgift, avoidcapital gainstax, receive alarge incomedeductionDonate theproperty toRHFRemovestaxable assetsfrom theestateGive artwork,collectibles,vehicles orother typesof tangiblepropertyPut assetsyou no longerneed or canmaintain togood useDonate tangiblepersonalpropertyrelated to ourtax exemptfunctionRemovestaxable assetsfrom theestateReduce income taxImmediatededuction forfull valueImmediatededuction forfull valueCurrentdeductionfor paid-uppolicy. Futuredeductionsfor premiumDeductionfor gift portionof asset.Your heirswill avoidincome taxImmediatededuction forfull valueImmediatededuction forfull value ifwe can usethe assetReduce or eliminatecapital gainsCompleteavoidanceCompleteavoidancePartialavoidanceCompleteavoidanceCompleteavoidanceGet income back from thegiftFixedpayments forlife for oneor twoindividualsGive an asset but keepenjoying itControlof assetsduringlifetimeContinueto takewithdrawalsduringlifetimeMoreStill like thestock? Useyour cashto buy attoday’s priceand lock ina higher costbasisMake a significantgiftwhen you nolonger needthe assets.Simple toset up: smallfinancialcommitmentfor largeultimate gift.GreatretirementincomesupplementOftenoverlooked,easily givenCoordinatewith us beforemakingthe donationMake asignificantgift withoutcash outlay;Coordinatewith us beforemaking thedonation.How does this benefit RHFand its communities?DeliversimmediatebenefitsDeliversimmediatebenefitsEnsuresour futurestrengthEnsuresour futurestrengthEnsuresour futurestrengthEnsuresour futurestrengthDeliversimmediatebenefitsDeliversimmediatebenefits-19--19-

Retirement Housing Foundation911 N. Studebaker RoadLong Beach, CA 90815-4900Tel: 562-257-5100 Fax: 562-257-5200www.rhf.org E-mail: info@rhf.orgNONPROFITorganizationU.S. PostagePAIDLONG BEACHCALIFORNIAPERMITNO. 739If I can show you a way toredirect your taxes to benefityour family, your communityand our mission, will yougive me 20 minutes todiscuss that with you?Stephanie Titus, M.B.A., CFREDirector of Charitable GivingRetirement Housing Foundation562-257-5141stephanie.titus@rhf.orgDedication of the Horton Rehab CenterWesley Horton met Patricia Delaney when she and her sister, Doris, wereriding their horses past Lake Elsinore High School where he was a highschool senior.After a 3-year courtship, they were marriedat the Delaney home on Atlantic Avenuein Long Beach, California (pictured onthe left) - which was about a block awayfrom where Bixby Knolls Towers nowstands.During their 74-year marriage, Wes andPat shared a love of horses and horse racing, golf, world travel and reading. Weswas an oilman and banker, while Pat was a devoted volunteer at the Long BeachAssistance League Thrift Shop for over 50 years.On January 12th, Pat and her son Roy cut the ribbon for the Horton RehabCenter at Bixby Knolls Tower Healthcare Center.Through a generous gift from the Horton family, those needing physical,occupational or speech therapy will find a rehab facility that not only hasthe equipment necessary to develop the skills needed to get back to theirindependent lifestyle, but also includes a fully furnished apartment whereclients can practice the skills (getting in and out of a bathtub or a bed,performing tasks in the kitchen, eating a meal at a table, etc.) needed beforethey can be released to go home.