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Brought to you by Lisa Willett - The Hasson Company Realtors - REALTY INSIDER -


THE HASSON COMPANY REALTORS - Lisa WillettStocks, IRA’s, mutual funds, bonds; these are all common aspects of retirement portfolios. One kind of investment that deserves more recognition and consideration, however, is the real estate investment (REI). Although buying and owning real estate is more complicated than simply investing in stocks and bonds, there are a number of investment strategies available, and the returns can make the investment worth your while.

One staple tenet of REI is to get a tenant! Real estate is more than just having somewhere to call home; according to Investopedia, “rental properties can provide a steady source of income while you build equity in a property.” Over the past year, single-family home prices have grown by 5.3%, according to the Case-Shiller index of home prices. This means that in addition to a small profit via rent, your rental/vacation home is likely to appreciate over the long term, making you even more money!

Dealing with tenants and maintenance request, marketing your property, and other obligations make rentals a time-intensive investment. A more passive REI route is the Real Estate Investment Trust (REIT). REITs are comparable to mutual funds, only they own real estate instead of stocks or bonds. REIT’s specialize in malls, apartment buildings, office complexes, and the like, spreading the risk among a number of properties. REITS are a solid investment for investors who want regular income, and their liquidity means they can be bought and sold in an instant.

Lisa Willett - The Hasson Company Realtors

15400 Boones Ferry Rd, Lake Oswego, OR 97035

(503) 318-7585

lisawillett.hasson.com

Brought to you by Dr. Kristen Hardinge - Wilsonville Veterinary Clinic - VETERINARY INSIDER -


WILSONVILLE VETERINARY CLINIC - Dr. Kristen HardingeDetermining when your cat is stressed is sometimes very obvious; other times, however, these signs are not as clear cut. Slight crouching and curling up is a sign of minor anxiety, while major crouching with the head down, ears flattened, and brow furrowed is a sign of major anxiety.

Depending on the degree of fearfulness, cats may lay flat or on their sides and flick their tails (mild irritation), or they may raise the hair on their back and fluff their tails out (increased anxiety). Cats may move away from the source of anxiety, walking with their backs flat and heads and tails down. They may jump, either up out of reach of the fearful item, or down, to run and hide under something.

Some cats may just crouch and freeze where they are, trying to become as small as possible. Often cats will have dilated pupils and stare very focused on the object of concern. Another sign of anxiety is excessive grooming. Inappropriate urination or defecation may also be signs of anxiety in your cat.

If you see these signs, please contact us to discuss environmental, behavioral or medical options for relief of these signs of anxiety.

Wilsonville Veterinary Clinic

9275 SW Barber St, Wilsonville, OR 97070

(503) 682-3737

www.wilsonvilleveterinaryclinic.com

Brought to you by Dr. Kristen Hardinge - Wilsonville Veterinary Clinic - VETERINARY INSIDER -


WILSONVILLE VETERINARY CLINIC - Dr. Kristen HardingeBuying a new puppy is a major endeavor, and choosing a breeder is a very important decision. There are numerous things that you can do as the new pet’s owner to ensure that you are choosing an ethical breeder, increasing the chances that you will purchase a healthy puppy.

First, ensure that the breeder performs all the requisite health testing recommended for your breed. Each breed has different health conditions that affect it, some of whose presence can be tested for.

The breeder should encourage you to come visit their kennel, to see the dogs’ temperament and the environment in which the puppies will be raised. The breeder should engage in active socialization practices for the puppies starting at birth and continuing through weaning.

The breeder should spend a great deal of time interviewing you as the new puppy owner. This often includes completing a questionnaire to try to match each puppy with the best owner, based on its temperament and the activity level that the puppy will have. Breeders should do temperament testing, have health exams, deworm and vaccinate the puppies before they go to their new homes.

Breeders should also make themselves available to the new owners for the life of the pet – to answer questions, assist with problems, and ensure that, if the puppy or adult dog needs to be surrendered for any reason, it will go to an appropriate home and not end up in a shelter.

Wilsonville Veterinary Clinic

9275 SW Barber St, Wilsonville, OR 97070

(503) 682-3737

www.wilsonvilleveterinaryclinic.com

Brought to you by Dr. Laura LaJoie - Joy of Life Chiropractic - CHIROPRACTIC INSIDER -


JOY OF LIFE CHIROPRACTIC - Dr. Laura LaJoie In a recently released report, the American Heart Association studied existing evidence surrounding the link between sitting and health. Their findings have linked sitting for long periods of time with a number of health concerns.

When you sit for a prolonged period, your body is affected in a number of different ways. The calories you burn while sitting drops to just one calorie per minute, causing your muscles to burn less fat. Your abs and glutes go unused, your hips become tighter, and your shoulders can slump, leading to back pain. Your spine can become inflexible and prone to injury during everyday activities like tying your shoe.

Having to sit for extended periods of time can make staying healthy and at a proper weight feel like a constant battle. If you have to sit all day for work or school, try to get up and get moving more. The Mayo Clinic recommends that you stand while talking on the phone or eating lunch, and that you alternate sitting and standing at your work station.

If you can’t stand at your work area, get up and walk every 30-60 minutes to increase circulation and raise your metabolic rate, and spend a few minutes each day stretching your back and hip flexors to maintain mobility.

Sitting to the spine is like sugar to the teeth. It is imperative to see your chiropractor to keep your spine in optimal health. Joy of Life is your best choice, call (503)-682-9596 for an appointment today.

Be healthy by choice, not by chance.

Joy of Life Chiropractic

29955 SW Boones Ferry Road, Suite J, Wilsonville, OR 97070

503-682-9596

www.joyoflifechiropractic.com

Brought to you by Lisa Willett - The Hasson Company Realtors - REALTY INSIDER -


THE HASSON COMPANY REALTORS - Lisa WillettAs a homeowner, when the time comes to sell, you may be tempted to list your house “For Sale By Owner”, or FSBO. Listing your home by yourself carries the obvious benefit of saving you a commission that would normally be paid out to your real estate agent. With the right listing price and a little marketing know-how, it appears FSBO homeowners can pocket thousands of dollars more on a sale, simply by not paying out a commission.

There are, however, numerous issues that homeowners will face when listing a home themselves. For starters, they are not home sale experts. Realtors understand the current market for your home and can recommend home improvements and set effective listing prices and strategies that help your home sell more quickly and at a higher price.

An agent knows the right questions to ask potential buyers, their extensive networks mean a larger pool of potential buyers, and a network of professionals needed throughout the transaction makes for a smoother sale. Once your home has an offer, agents are experienced negotiators who can get you the maximum value for your home.

The greatest value a realtor provides, however, is as an ally. Selling your home can be an emotional ordeal. A realtor can steer you away from mistakes such as overpricing your home or giving in too easily during a negotiation, and their ability to put a positive spin on negative feedback about your home is invaluable.

If you’re ready to list your home for sale, contact me today to get started!

Lisa Willett - The Hasson Company Realtors

15400 Boones Ferry Rd, Lake Oswego, OR 97035

(503) 318-7585

lisawillett.hasson.com

Brought to you by Dr. Kristen Hardinge - Wilsonville Veterinary Clinic - VETERINARY INSIDER -


WILSONVILLE VETERINARY CLINIC - Dr. Kristen HardingeTraditionally in the US, veterinarians have advocated for spaying or neutering dogs prior to their first heat cycle or the onset of puberty to prevent unwanted pregnancy. However, recent research is proving that this may not be the best approach in every breed or for each individual pet. One of the most important factors in making this decision is understanding the home environment, which requires an in-depth discussion with each individual owner. Lifestyle, attendance at doggy day care, exercise routines, types of family members (children vs adults) and other pets in the home should all be discussed. Other factors to be considered include breed and disease prevalence in that breed.

For cats, spaying or neutering at or around 6 months of age is still recommended in most cases as there seem to be far fewer potential benefits of leaving them intact and there are numerous behavioral and reproductive consequences of not neutering or spaying prior to the onset of the first heat or puberty.

This is an ever evolving field, with new research being published regularly, which makes it very important to ensure that your veterinarian is up to date on the most recent research and is willing to entertain a discussion about what is best for your particular pet. There should no longer be an across the board recommendation that a dog is spayed or neutered. Please see the Reproductive Revolutions website ( www.reproductiverevolutions.com/ ) for more information on this important topic.

Wilsonville Veterinary Clinic

9275 SW Barber St, Wilsonville, OR 97070

(503) 682-3737

www.wilsonvilleveterinaryclinic.com

Brought to you by Dr. Laura LaJoie - Joy of Life Chiropractic - CHIROPRACTIC INSIDER -


JOY OF LIFE CHIROPRACTIC - Dr. Laura LaJoieDr. Laura LaJoie of Joy of Life Chiropractic loves to see great activity out of her patients, especially her child patients.

“With P.E. cut to two days a week at local elementary schools, and confined to just one semester a year for middle schoolers, it is especially important that kids are active and moving during the summer, too” says LaJoie. Summer is a terrific time to improve your overall fitness for the coming year.

If you’re going to be active by hiking, swimming, or playing outdoor sports like soccer or golf, you’ll want to do a few things to protect your joints and muscles. It’s always important to stretch before and (especially) after activity in order to enjoy more strength and flexibility.

It is also a great idea to do activities that use both sides of the body in order to maintain symmetry in movement and minimize injury.

“Any time you’re performing a side-specific movement, such as a golf or baseball swing, you want to also perform the same motion with the other side of your body,” notes LaJoie. “At Joy of Life Chiropractic, we offer performance assessments that examine each person’s body mechanics, and offer fitness and sport specific programs that work to correct asymmetry.”

In addition to performance assessments, Joy of Life offers sports physicals for student athletes at the middle school and high school levels. The deadline is coming up fast; WHS sports physicals are required by Monday, August 15th.

Joy of Life Chiropractic

29955 SW Boones Ferry Road, Suite J, Wilsonville, OR 97070

503-682-9596

www.joyoflifechiropractic.com

Brought to you by Lisa Willett - The Hasson Company Realtors - REALTY INSIDER -


THE HASSON COMPANY REALTORS - Lisa WillettIn a competitive market like the Portland metro area, I’m often asked if buying a house now is smart. After all, according to realtor.com the median list price of homes in the area has jumped 17.5 percent in the last 12 months. It’s clear that Portland is a hot market for housing right now; and that is exactly why the time to buy a home is now.

Expected growth in the housing market means the median list price of homes will continue to rise in the coming year. Veros Real Estate Solutions, a company specializing in real estate collateral valuation management, predicts that Portland properties will appreciate at an 11.1 percent rate within the next twelve months, driven by a growing population. As demand continues to rise, the median list price of homes is sure to follow.

In addition to the expected appreciation of properties, mortgage rates are also likely to rise in the coming year as well. The Federal Reserve expects inflation rates to be at 1.4 percent by January, still well below the Fed’s stated goal of 2 percent by the end of 2018. As inflation rates increase, mortgage-backed securities (MBS) drop in value. Mortgage rates are determined by the value of MBS’s; the greater the MBS value, the lower the mortgage rate. It’s simple math: Increasing inflation=Lower MBS value=Higher mortgage rates.

So don’t be left out of the equation, call me today to start your search!

Lisa Willett - The Hasson Company Realtors

15400 Boones Ferry Rd, Lake Oswego, OR 97035

(503) 318-7585

lisawillett.hasson.com

Brought to you by Dr. Laura LaJoie - Joy of Life Chiropractic - CHIROPRACTIC INSIDER -


JOY OF LIFE CHIROPRACTIC - Dr. Laura LaJoieDr. Laura La Joie, owner of Joy of Life Chiropractic clinic, overheard a set of parents telling their kids that they were going kite surfing. Then they asked the kids, “What are you guys doing?”

Most likely, spending time indoors, La Joie mused.

She noted that kids are sitting more than they did 20 years ago.

“How many kids these days ride a bike to their friends, skate, or walk places?”

Additionally, in the summer, parents reward their kids with free time, and for many of those kids, their choice is to be inside.

On the computer, playing X-box, watching Netflix.

While she understands the digital draw, she encourages families to be intentional with their extra time.

“Summer is the opportunity to get kids off their chairs and move to improve their balance and the function of their body,” she said.

A key focus of Joy of Life Chiropractic is family wellness.

And, while many kids do have too much screen time, they are also at various sports camps in the summer.

“Young athletes are calling on their bodies to do a lot of different activities.”

She says it’s important for kids to have a chiropractic performance evaluation and risk assessment. Through this, she is able to identify issues before they become a problem.

La Joie noted that her practice is for all ages.

“I see kids from four days old to 98 days old.”

Joy of Life Chiropractic

29955 SW Boones Ferry Road, Suite J, Wilsonville, OR 97070

503-682-9596

www.joyoflifechiropractic.com

Brought to you by Eric Anderson - Canby Ford - AUTOMOTIVE INSIDER -


CANBY FORD - Great deals can be yours at Canby Ford!Whether you are an outdoor adventurer or an urban explorer, the return of summer means it’s time to get back out there and discover what you’ve been missing. The newly redesigned 2017 Ford Escape, with its fuel-efficient engine, stylish body, and seamlessly integrated tech features, is the perfect vehicle for your perfect summer!

Offering up to 30 highway miles per gallon (MPG), the 1.5 Liter (L) EcoBoost engine features Auto Start-Stop technology to help save fuel and limit emissions. Looking for a little more punch in your driving? The 2.0L Twin-Scroll EcoBoost boasts 245 Horsepower while still giving you a combined 25 MPG, a seamless blend of power and fuel-efficiency.

The Escape is not only powerful and efficient, but stylish as well, offering tons of customizable features. The foot-operated lift gate makes trunk access a breeze, and available technology can alert you to lane drift, point out vehicles in your blind spot, and alert you to potential collisions with the vehicle ahead of you.

Perhaps best of all, the available Enhanced Active Park Assist feature helps you say goodbye to parking anxiety. The Parallel Parking and Reverse Perpendicular Parking modes ensure your Escape can fit into a space, then help steer your Escape into the spot.

The 2017 Ford Escape is available now at Canby Ford, visit today to learn more and check it out.

Canby Ford

24315 Hwy 99E, Canby, OR 97013

(503) 266-2097

www.canbyford.com

Brought to you by Dr. Kristen Hardinge - Wilsonville Veterinary Clinic - VETERINARY INSIDER -


WILSONVILLE VETERINARY CLINIC - Dr. Kristen HardingeBuying a new puppy is a major endeavor. Choosing a breeder is a very important decision and there are numerous things that you can do as the new pet owner to ensure that you’re choosing an ethical breeder. This increases the chances that you will purchase a healthy puppy.

First, ensure that the breeder performs all the requisite health testing recommended for your breed. Each breed has different health conditions that affect it, some of which can be tested for.

The breeder should encourage you to come visit their kennel, to see the dogs’ temperament and the environment in which the puppies are raised. The breeder should engage in active socialization practices starting at birth and continuing through weaning.

The breeder should spend a great deal of time interviewing you. This often includes completing a questionnaire, in order to try to match each puppy with the best owner, based on its temperament and the activity level that the puppy will have.

Breeders should do temperament testing, have health exams, deworm and vaccinate the puppies before they go to their new homes. Breeders should also make themselves available to the new owners for the life of the pet—to answer questions, assist with problems and ensure that if the puppy or adult dog needs to be surrendered for any reason, that it will go to an appropriate home and not end up in a shelter.

Wilsonville Veterinary Clinic

9275 SW Barber St, Wilsonville, OR 97070

(503) 682-3737

www.wilsonvilleveterinaryclinic.com

Brought to you by Lisa Willet - The Hasson Company Realtors - REALTY INSIDER -


THE HASSON COMPANY REALTORS - Lisa WillettIf you’re buying a house, you probably need a loan. And if you want a loan, you’re going to need a trustworthy credit score. Read on to learn about five credit errors that can put your dream home permanently out of reach.

Making late payments. It’s not exactly shocking to learn that lenders expect to be repaid on time. But regardless of your overall financial situation, late payments can lower your credit score by up to 30 percent.

Applying for another loan. If you’re good enough for one loan, a second should be no problem, right? Wrong. Creditors see more loans as a sign that you may default soon. If you’re already buying a home, take a pass on that new car.

Maxing out credit cards. Another classic sign of an irresponsible borrower, many banks may penalize you for making the minimum payment on your credit card bills, no matter how timely you are.

Disputing credit report items. It’s usually a good idea to correct errors on your credit report, as it may raise your score. But it’s crucial that you do so before applying for a loan, otherwise, the banks may think you’re gaming the system.

Having no credit history. Shakespeare advised “neither a borrower nor a lender be,” but unfortunately most lenders demand a reputable credit history. Paying for groceries and gas with a credit card is a good way to build up a bona fide history.

Lisa Willett - The Hasson Company Realtors

15400 Boones Ferry Rd, Lake Oswego, OR 97035

(503) 318-7585

lisawillett.hasson.com