Social Security income limits

In 2019, the annual earnings limit for those under full retirement age (FRA) is $17,640. That means in 2019you can earn up to $17,640 and receive all your Social Security benefits even if you aren’t yet at full retirement age. This is an increase from the 2017 limitof $16,920 and the 2018 limit of $17,040.

What will seniors do to survive in the bay area and still get their social security benefits?

  • Have rental income in your real estate under your LLC
  • Gift your house to your children and other assets
  • Update your irrevocable living trust
  • See an estate planner and or family lawyer
  • Email on other tips to live in the bay area while receiving your social security earned benefits at 62, 65, 67

Note:Let us help you turn your backyard into a rental income with ADU or affordable granny unit.

To downsize or not and in need of home care in bay area

Many seniors are in a dilemma to downsize or not considering the cost of living in the bay area. Health wise, seniors are not mobile as they used to be.  In case of any medical emergency, they need to act fast and be close to a hospital or health care facility.  Many emergencies happen during the night and early morning and signs and symptoms cannot easily be detected by family members.

The cost of houses in the bay area skyrocketed that it is common sense to sell an expensive home and live in a small unit and use the sale of the house for health care costs and retirement income.

Many young couples opted for smaller affordable homes to be able to have enough money for other important expenses.

It is sad that many families in the bayarea are spending half of their income on house rent.  Many older generation plans to move out of the bay area to downsize and spend their retirement money wisely.

In care homes, many seniors have sold their homes to pay for nursing homes.

In the bay area, half of the jobs are contractual and families have to move from city to city to find an affordable place to live.

Some of those who stayed prefer their parents, who are now grandparents, to care for their babies and waiting for the time when they do not need babysitter to move away from expensive houses in the bay area.

Many take two jobs and spend less time with family to pay for house rent.

Others use every room in their house as rental income to supplement their income and pay for mortgage or get extra retirement income.

Others use airbnb or live in a rented room while they have their house being rented out for income.

What will you do to afford the housing costs in the bay area? Email

For caring caregivers for homebound bay area seniors, call 408-854-1883.






Retirement or rental income properties in Tagaytay, Philippines

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Rental or retirement haven

Own a piece of rental or retirement haven in Tagaytay, Philippines. Contact Alel via email Affordable lands for sale and more properties for income potential.

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Tagaytay, Philippines

Tagaytay sits in a mountainous region of the Philippine’s main island. The town, known for its beautiful scenery and cooler climate – a function of its high altitude – rests on the shores of Lake Taal, in the center of which sits Taal Volcano Island. Called the “Second Summer Capital of the Philippines” (after Baguio in the north), Tagaytay is popular for its beautiful scenery, outdoor activities and two 18-hole golf courses. Tagaytay has several public and private hospitals, and additional choices for healthcare are also available in nearby Manila.

Contact or  Marjorie Agustin <> if you want to buy lands or real estate in Tagaytay Philippines. Text 408-854-1883 or 614-215-07348 or 639-055-432-598 or 639-055-432-596


Alelnelen Benedicto has been selling real estate in the Tagaytay region for the last 15 years. Email for contact details in the Philippines.

$800 per month rent for a toolshed with no bathroom only in Silicon Valley


Perhaps the landlords found a taker. Or perhaps they were shamed into removing their offering of a converted backyard tool shed in Menlo Park for $800 per month.

The rental was listed among the Stanford University classifieds and aptly dubbed “Apartment Sadness” by a writer for

The digs had no running water or toilet. BUT … the 8×15 space came furnished with a water jug and a commode. And — oh! — the right to use the main house bathroom Friday to Monday.

The real shocker is someone did live there previously. Read more on that here.

But if you missed out on that deal in May, here is another: A Bay Area fellow is renting a tent in a Mountain View backyard for $30 a night.

Renting through the Airbnb, a website that lists “unique places” to rent worldwide, the tent comes furnished with a pillow and blanket. And this landlord allows the tenant inside his home for a hot shower.

And actually, the tent owner explains to NBC Bay Area, the idea sort of started as a joke at $20 per night. But the offers came pouring in … so UP went the rent.


My 18-yr old daughter is saving her money and now has $5k and told me that she wants to help me buy a small house in the bay area.  Anyone who wants to sell/donate their house/land to my non-profit Motherhealth Inc for affordable senior care is welcome to email or call me at 408-854-1883.