Fishhawk Lake Real Estate

What Does Retirement Mean to You?

December 19th, 2017

What does retirement mean to you?


Photo by Gayle Rich-Boxman

As much of our population of Boomers ages, this word comes up often in conversations, in both personal friendships as well as with clients. When? Will you?? What do you intend to do IN retirement, i.e., what does the rest of your life hold?


The word retire came about in the 1530s, from the Middle French “retirer” which means to retreat, to withdraw, especially to some place private. In the 1640’s it took on more of a note of leaving work of some sort.


In looking at synonyms, there was everything from “ebb” to “sever connections”. Yin and yang of retirement perhaps?


There are those who feel that saying the word out loud is acrimonious. On the other side, some relish the idea, holding it up in the spotlight as a lifetime achievement award.


It takes on different meanings in relationship to one’s connection with work, and the meaning derived in life from how you are seen in the world. Also, one’s gender can play a part. In the book Finding Flow, by Mihaly Csikszentmihalyi, he reports, “Because of the different role of paid work in the psychic economy of men and women, the response of the two genders to their jobs is generally different”. He goes on to say, “…women generally experience employment more positively than men.”


Retirement isn’t a death sentence, but in working with clients who are preparing for that, it can be viewed quite differently, depending upon the person whose opinion you are inquiring about. Finances, travel plans, healthcare and its costs, creating a haven for family to be included (both sets of generations, parents and children), these are all factors in determining the “when” of retirement. OR the if!! Some look at it with glee, others with trepidation. Some have their entire ego invested in what they “do for a living”, while others feel that they have reached a new plateau of freedom when leaving a career behind.


In the real estate field, as in some others, age and gender don’t play such a factor. One can work until one’s demise if that is the choice. And in working with clients, age may not have such a hardline either. It’s more related to what your specialty is, your energy level, your relationships, how well you interact and understand your clients and your history in the business. 


In buying a home “on a lake” for example (my particular niche market), that can immediately connote vacation or retirement. It can be part time or full time. There is a wide division in those two descriptions in viewing the reasons for buying property where my niche market is, Fishhawk Lake. It is vital to grasp the financial aspects of what the buyer is contending with when deciding which direction they want to go in purchasing real estate that could start out as a second home or even a vacant lot, later to become a full time residence.


It may not be so definitive as to what the future plan is and there’s absolutely nothing wrong with that! Two years, five, ten or maybe never retiring is A-OK.


It’s not all about the money.


“And, in fact, you can find that the lack of basic resources, material resources, contributes to unhappiness, but the increase in material resources do not increase happiness.”

Mihaly Csikszentmihalyi


Being financially responsible to set up a comfortable place to retreat to is important for most of those in the aging workforce, but equally as paramount for ensuing happiness is finding joy in everyday life, simple pleasures, living in a place that offers solace when the world gets to be too crazy. This starts rising to the top of the list as many of us get older. We learn that money isn’t the ultimate high but simply a means of trade for investing in a joyous aging process.


Photo by Gayle Rich-Boxman Canoe on Fishhawk Lake


What is paramount for me to comprehend in learning about my clients is this: What is your dream? Why do you want this?



Not only does this relate to my clients, but in my own life as well. As I ponder my future with my husband, and walk that ever-changing path of life, I see how certain goals that mattered in my 30’s don’t matter one whit now! Realizing that spending an afternoon with friends and having marvelous conversations or walking in the woods with my dogs and my husband are becoming more momentous to me than working a 60, 70 or 90 hour week.


I can grasp the importance of supporting this gentle country lifestyle for my clients as well. As a matter-of-fact, I look at it as an honor to present these lifetime “rewards” to them: a quiet lake lifestyle that gives them a sense of peace and offers the simple joy of waking up on a lake in all seasons as they look to “retreat”.


 Cabins on Fishhawk Lake-photo by Gayle Rich-Boxman


Original content by Gayle Rich-Boxman published on  my ActiveRain blog  12.14.17

Dreaming about owning property? Dream BIG! Ten Tips to Owning Property

June 24th, 2016

Dreaming about owning property? Dream BIG!

Ten Tips to Owning Property

Mt Everest


Why not? I’ve always been a believer in dreams. Having them, shooting for and making  them come true. 

Build foundations under them and dreams CAN come true.

Here are ten tips to BUILD A FOUNDATION to owning property.


1. Make your wishlist.

Go for it! Write down everything about that piece of property that would make you deliriously happy! Don’t self-edit. 

2.Find a good loan person.

Like any good advisor, this person can steer you in the right direction for your future investment. Make sure it’s someone who not only understands numbers, but has great communication skills and can advise you on the necessary steps to get your money in alignment with your dream. 

3. Find that right REALTOR® who believes in your dream.

This person needs to “get” you! It might happen right away, or take a bit of time with some ongoing dialogue, but ultimately you want to feel like they know exactly what you are aiming for (sometimes before you even do).  With their expertise, they can whittle down that wishlist into what you absolutely can’t live without and what you can compromise on. 

4. Share that wishlist with your REALTOR®. Let him or her hone in on what’s “wish”ful thinking and what’s reality. Maybe shoot for a bit of both? 

Create a clear vision together. More conversations  that you have, the clearer your dream becomes to your  REALTOR®. And sometimes it’s not just what you need, but what you want. Those intangibles are just as important as making the monthly payment. 

5. Focus on it like a mantra. Keep it uppermost in your mind. 

Have a visionboard or you can write it down on a piece of paper and put it somewhere that is an hourly/daily reminder of  what you are seeking. Write it in a manner that puts it in the present tense. 

I am buying a cabin on a lake now! 

cabin with foxglove 300x296  IMG_1939



6. Open up a “Christmas” account.

Remember having to save to buy presents at the end of the year? In college, money was always tight,so I created a Christmas account through my bank and religiously put in money throughout the year. Maybe put a percentage of every paycheck in there. You can even get a big jar and put ALL OF YOUR EXTRA CHANGE IN THERE DAILY. You will be surprised at how it adds up! It is like a Christmas present to yourself. 


If you don’t, no one else will. 

8. Surround yourself with those who believe you CAN do it.

If you are reaching for a star and just can’t touch it, there are those who care about you enough to give you a boost UP; that stepstool that gives you that extra heighth to reach that star! 

9. Write down a date to aim for. 

Even if it comes and goes, you have a target. It takes practice to hit the bullseye. Don’t give up if you don’t get there in the time alloted. Create a new date. Keep aiming! 

10. Get creative in making it happen!

When your  REALTOR® presents you with that right property, you might have to S-T-R-E-T-C-H to get it! If you really want it and it feels right, there are usually several ways to get it! It takes thinking outside of the box. Selling stocks, an extra vehicle, writing a contingency, moving money, doing a trade, asking for a private contract, gifting….there are myriads of ways to make that dream happen IF you keep the door of opportunity OPEN and tap into the other foundational aspects that you’ve put into place prior to this. 

Now Get Out There and Dream BIG!

Greasy Spoon sunset January 2015-01-08 17.27.47

If you are looking for a cabin on a lake, let me help you fulfill your dream!
Gayle C. Rich-Boxman
REALTOR® Vernonia Realty Direct: (503)755-2905

                                                 Birkenfeld OR 97016
Specializing in Fishhawk Lake Reserve and Community
                                              “Your Gateway to the Lake!”

Originally posted in ActiveRain 2/9/2016 by Gayle Rich-Boxman

Cabin with Largest Acreage at Fishhawk Lake! 10063 Lakeview Drive Birkenfeld OR 97016

December 30th, 2015

Cabin with Largest Acreage at Fishhawk Lake! 10063 Lakeview Drive Birkenfeld OR 97016



Exterior of Home

Exterior of Home

Foote home 1
Foote home 5 Foote home 6

This is the largest property at Fishhawk Lake, with 4AC of land, and you get a tax break having 3AC in forest deferment. Like buying a new cabin in a park-like setting AND having deeded access to lakefront for your pontoon!

Almost completely remodeled, you can walk in with your toothbrush and enjoy!
Here are some of the improvements:
  • New paint inside and out 2014-15, New counter tops and paint in kitchen 2015
  • Tile flooring through living room, kitchen, bathroom and hallways 2015
  • Dishwasher, Stove, microwave with venting to the outside 2008, Washer/Dryer set 2014
  • Bathroom:new sink/vanity, new steel tub&tile surround, new toilet, lighting/fan 2011
  • Connected fireplace/heatilator to heater outlets in all rooms 2008
  • Firewood storage and work area 2008, Fire-pit 2010
  • Hillside run-off trenched and laid around 400 ft. of drain hose along the base of hillside to move water out to roadside ditch 2011-14, Planted shrub, new lawn, parking 2010
   This property includes all lake amenities: water, sewer, fishing, boating, swimming, tennis, social events, snow removal, lake management, hiking, biking, and more included in HOA fees of only $1700.00 per year.
You can have more outbuildings, if you prefer, along with the sheds that are already located on behind the home. OR you could go UP and build onto the existing home. And if you prefer a smaller footprint, stay with it the  way it is! Great views of Fishhawk Lake, a firepit for outside fun, a perfect spot for viewing the July 4th festivities, this is a wonderful location.
Foote home 4
Here is a look at the acreage.
Largest acreage at Fishhawk Lake!

Largest acreage at Fishhawk Lake!

Please note: no farm animals allowed in this lake community.
Check out my website for more about Fishhawk Lake Reserve and Community.


71818 Northshore Drive Birkenfeld OR Lakefront Custom Home for Sale on 1/3AC!

December 30th, 2015


Exterior facing Fishhawk Lake

Exterior facing Fishhawk Lake

This lakefront cabin was custom built in 2001 and more remodeling done in the last five years approximately. It has a spacious detached garage, sits on over a 1/3 of an acre with nothing standing in the way of the grand views of Fishhawk Lake that you have from each story of the home.
71818 Northshore Drive photo (3)


With your own dock and an open deck area, you can take in the finest Fishhawk Lake has to offer in any season.

French doors open up to a lower sitting room/family room area with newer stone flooring so no worries about having dogs or kids come in and out while enjoying the deck just outside. Speaking of dogs, there is an invisible fence set up if that’s something you are looking for.

71818 Northshore Drive photo (5)


Some of the newer amenities include: windows, appliances, flooring, exterior paint, baseboards trim and those lovely French doors!

Lower floor also has a spacious laundry room, perfect for dropping off swimwear, outdoor gear, and dirty boots after hiking the copious amounts of trails that surround this remote wonderland!


The large master bedroom has a window that offers terrific lakefront views to wake up to. Along with a good-sized walk-in closet, there is a small office space and your own master bath.
Large master suite faces Fishhawk Lake

Large master suite faces Fishhawk Lake

Upstairs along with the master is an open living area for all-season visages of Fishhawk Lake and you can see them from the dining area as well. Galley kitchen will include all appliances and there is also a breakfast bar!

Great room concept with views of the lake and a breakfast bar

Great room concept with views of the lake and a breakfast bar

Lake amenities with HOA fees of only $1700 per year include fishing, boating, swimming, water/sewer, social events, community lodge, snow removal, neighbor watch, lake management and more.

It’s only 90 minutes from Portland to Paradise, and this home will work well for entertaining guests as a vacation home, or a nice workable size for full time living. Call Gayle today for your private showing! (503)755-2905

71818 Northshore Drive photo (4) is my website.