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Answer Upon - Can I Really Afford to Live in an Independent Retirement Community?
It is scary to think about just how vulnerable each of us is in regards to identity theft. You may find yourself thinking about it once your wallet or purse has been lost or stolen. Anyone who has it can access your credit cards, PIN numbers, and social security numbers if they are in there. Other methods of getting such information include over the internet, the phone, watching people when they use an ATM, and going through other people’s trash.Protect yourself from Identity TheftMonitor your credit report because fraudulent activities will show up there. Make sure you look into any questionable activities that you find on your credit report. You can get free copies of your c
Dan Kennedy once said that if you can’t make money without money… then… you won’t make money with money either.Those words swirled in my brain over and over. Then, one fine day, I decided to test them out. Here’s what I did:I was running my own promotions and noticed that the Internet was beginning to unfurl. A little voice in the back of my head told me I had better jump into cyberspace.But I did not have a website to promote my services. So the question was, “How do I get copywriting clients without spending money?”So, I wrote an email and sent it to about 20 Internet “big hitters”. That email earned me over $45,000 in about one year.The reason it cost nothing
This is a question we hear a lot. In most communities utilities, maintenance, some laundry, and some meals are included in the fee. Use the monthly fee to compare to costs of staying in your current living situation. Remember to include utilities, taxes, insurance, fees paid for the yard work, and maintenance of your home. There should be a staff member available, at the facility you are considering, who can go over financial information with you.
If you are considering moving into a Continuum of Care Retirement Community as opposed to a stand alone Independent Retirement Community, there may be entrance fees or life care contracts to consider. According to the Continuing Care Accreditation Commission, there are three basic types of contract that a resident enters into with a CCRC: extensive, modified, and fee-for-service. An extensive contract offers unlimited long-term nursing care for little or no substantial increase in your usual monthly payments. Entrance fees and monthly costs under extensive contracts are typically higher than those under modified or fee-for-service contracts. That entrance fee may be refundable over time, partially refundable or nonrefundable. You may acquire ownership of your residence within the community, or you may be provide housing
There's one thing all people love and that's entertainment. That explains our love of entertainment centers - especially big screens. It doesnt really matter if it's TV, music or anything else that can be considered entertainment. In the past the movies it allowed our parents to dream about the characters and being a hero or a beautiful woman in the movie. Now technology has brought a vast number of smart devices to our homes. No matter if it's a TV, computer or stereo system, the endless number of new technology products is always being improved.Unlike years ago when we all depended on movie theaters in order to get that great mixture of picture and sound, we now only need what is called
If you are considering moving into a Continuum of Care Retirement Community as opposed to a stand alone Independent Retirement Community, there may be entrance fees or life care contracts to consider. According to the Continuing Care Accreditation Commission, there are three basic types of contract that a resident enters into with a CCRC: extensive, modified, and fee-for-service. An extensive contract offers unlimited long-term nursing care for little or no substantial increase in your usual monthly payments. Entrance fees and monthly costs under extensive contracts are typically higher than those under modified or fee-for-service contracts. That entrance fee may be refundable over time, partially refundable or nonrefundable. You may acquire ownership of your residence within the community, or you may be provide housin
"U.S. consumers purchase approximately 7 billion greeting cards each year, generating nearly $7.5 billion in retail sales." *Have you ever wondered who actually writes all of those greeting cards you purchase? Sure there are staff writers who may develop themes and specific greeting cards. However, there are numerous freelance writers who have received checks for the use of one or more of their greeting card ideas."There are an estimated 3,000 greeting card publishers in the U.S., ranging from small family-run organizations to major corporations. GCA-member publisher companies account for approximately 95 percent of industry sales." *With so many greeting card publishers it is
If you are considering moving into a Continuum of Care Retirement Community as opposed to a stand alone Independent Retirement Community, there may be entrance fees or life care contracts to consider. According to the Continuing Care Accreditation Commission, there are three basic types of contract that a resident enters into with a CCRC: extensive, modified, and fee-for-service. An extensive contract offers unlimited long-term nursing care for little or no substantial increase in your usual monthly payments. Entrance fees and monthly costs under extensive contracts are typically higher than those under modified or fee-for-service contracts. That entrance fee may be refundable over time, partially refundable or nonrefundable. You may acquire ownership of your residence within the community, or you may be provide housin
The National Response Plan (NRP) established in December 2004 under the guidance of Secretary of Homeland Security Tom Ridge was designed, “To establish a comprehensive, national, all-hazards approach to domestic incident management across a spectrum of activities including prevention, preparedness, response, and recovery.” (NRP, 2) If one assesses the federal government’s response based on the NRP a clearer and more accurate picture of the efforts to deal with the Hurricane Katrina incident can be painted. The effectiveness of the NRP in accomplishing the four aforementioned goals of prevention, preparedness, response and recovery in the wake of hurricane Katrina as well as the federal governme
A common question I am asked repeatedly is, "How much time does it take to become a successful trader?" Each time I give the same simple answer, "Do everything, which is needed to be successful that an unsuccessful person is not willing to do. You must strive to be the best you can be. You must create new ideas in order to be successful. You must have a burning desire to be successful. You must be persistent and never quit until you achieve the success you are looking for." Are you willing to do that?In reviewing the past ten years that I have been mentoring traders, the majority of traders that do not have the success they have been striving for, come to me continuously to seek out new tra
A modified continuing care contract includes a specified amount of long-term nursing care beyond which you are responsible for payment. Once such specified amount of care is reached, the resident may continue to receive care, but most pay the facility's daily or monthly nursing rate.
A fee-for-service continuing care contract covers the cost of your housing, residential services, and amenities. You pay full daily rates for all long-term nursing care required. Entrance and monthly fees are lower under this type of contract because residents are responsible for all long-term nursing and health care costs.
There are many options available under the general term "CCRC". Your best course of action is to visit several communities and to decide which community offers the best combination of services, amenities and contract options for your or your loved one's particular needs and desires.
Let’s look at an example to help illustrate how even someone who didn’t THINK they could afford an Independent Retirement Community, really can!
Jane is a healthy 70 year old who wanted to enjoy the rest of her retirement years without the hassle of home maintenance, yard work, and home repairs. Plus, her home was built 40 years
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