1. It pays to retrofit. Basic design and structural modifications to a one-story home cost an average of $9,000 to $12,000, according to The MetLife Report on Aging in Place 2.0. Contrast that expense to the cost of assisted living, which averaged $3,500 per month in 2014, according to Genworth Financial, or $42,000 a year.
2. Think small. Start with replacement hardware, such as lever-handled doorknobs and sturdy handrails along stairs. Install grab bars, single-handled faucets and “comfort height” toilets in the bathrooms. Upgrade your kitchen by adding rollout shelves and better lighting under the cabinets. (For a comprehensive to-do list, see the Aging-in-Place Remodeling Checklist at http://www.nahb.org.)
3. Make it accessible. Other modifications will cost more, and you may want to consult an expert. Certified Aging-in-Place Specialists (CAPS) — who have completed a program developed by the National Association of Home Builders in collaboration with AARP — can create a prioritized to-do list suited to your budget and resources (to search by zip code, visit the NAHB website at http://www.nahb.org and search for “CAPS Directory”). If, for example, your home has entry steps, consider installing a ramp; it will run $1,200 to $2,500, according to http://www.costowl.com. A curbless modular shower will cost $2,000 to $3,000 to install.
4. Consider the big picture. Structural changes may include widening doorways and corridors and eliminating walls to accommodate wheelchairs and scooters, or even creating space in a multistory home to add an elevator later. The perfect time to make such adjustments is when you’re updating or remodeling your home.
5. Tap your equity. If you have substantial equity in your home, you have multiple ways to pay for improvements, such as a cash-out refinance of your mortgage, a home-equity loan or line of credit, or a reverse mortgage. For more information on reverse mortgages, visit the websites of the Consumer Financial Protection Bureau (go to http://www.cfpb.gov and search for “reverse mortgage”) and the National Reverse Mortgage Lenders Association (http://www.reversemortgage.org). Veterans may be eligible for a grant to construct or retrofit their homes (see http://www.benefits.va.gov/homeloans/adaptedhousing.asp).
6. Use Technology for support. R2-D2 to the rescue. Voice-activated robot helpers are on the way. Meanwhile, existing tech tools can help you stay in touch with family, caregivers and community, as well as monitor your health and provide for security, says Laurie Orlov, founder of the Aging in Place Technology Watch (http://www.ageinplacetech.com). For example, the BeClose system (http://beclose.com; $499 for equipment plus $99 a month) will alert your emergency contacts if you diverge from your usual activity pattern. By Patricia Mertz Esswein, Kiplinger’s Personal Finance
(Patricia Mertz Esswein is an associate editor at Kiplinger’s Personal Finance magazine. Send your questions and comments to moneypower@kiplinger.com. And for more on this and similar money topics, visit Kiplinger.com.)
(c) 2015 Kiplinger’s Personal Finance; Distributed by Tribune Content Agency, LLC.
Downsizing in Comfort: Making the most of a Smaller Space
Paint is cheap: Use it!
Paint can be the best way to open up a smaller room. By using cooler colors – blues and greens – you can trick your eye into thinking the room is much bigger than its actual size. Darker colors tend to make the room look smaller and more constrained. Whether you choose to paint an accent wall to liven up your living room or paint the ceiling white with lighter walls, adding color to a room not only livens up the area, it also creates the illusion of a larger space with smaller square footage. Downsizing in comfort: Making the most of a smaller space Think vertical
A sizeable amount of wasted space in any room sits between the top of the sofa and the ceiling. You can both utilize unused space in the room and have a place to store sentimental possessions by thinking vertical.[i] Using a large shelf to display family photos and heirlooms or a tall bookcase to house your favorite novels are perfect ways to hold onto possessions important to you without sacrificing precious space. Keep items off the floor
This goes hand in hand with thinking vertical. You can considerably open up a room by choosing to hang items instead of placing them on the floor. A great way to draw the eye upward instead of downward, and creating the illusion of more space, is by hanging a mirror or a picture higher up on the wall. (ii) By saving the floor for only a large carpet or floor mat, the room is more open and stays cleaner. Keep function in mind
When living in a smaller space, putting function first is one of the easiest ways to fully take advantage of your living space. One simple rule to follow for small space organizing: personalize your space to your tastes. If you prefer eating on the couch or in your favorite chair, save space in the kitchen by foregoing a larger table in favor of more functional items. If side tables and large television stands are cluttering your living room, think about how you can use a piece of furniture for more than one function; a television stand can double as a bookcase or cabinet, and a coffee table can hold anything from your magazines to your reading glasses to an extra blanket. Utilize unseen space
Some of the best storage spaces are invisible. Closets with plenty of shelves and closet doors are great places to keep your winter clothes. When your “going-out” outfit does not call for a certain pair of shoes, store them and the rest of your footwear under the bed. Have extra blankets and pillows for when the grandkids want to stay over? Keep them out of sight inside an ottoman with a storage compartment.
Living in a smaller space does not mean you must live uncomfortably. By taking advantage of simple organization tips for small spaces, you can still have the comfort of a larger home without the hassle of spending your time with its maintenance. Holiday Retirement offers numerous resident programs and amenities designed to make our residents feel welcome and at home. Contact Holiday Retirement to learn more about these and other exciting programs, and to find a location near you.
[i] Pandolfi, Keith. “9 Small-Space Solutions.” This Old House. http://www.thisoldhouse.com/toh/photos/0,,20301933_20665706,00.html.
[ii] Cannell, Michael. “Make the Most of Small Spaces.” Real Simple. http://www.realsimple.com/home-organizing/decorating/decorating-tips-techniques/make-most-small-spaces (accessed April 15, 2015).
Most people prefer to stay in their home or apartment for as long as possible. The best way to make this a reality is to plan ahead of time to make the amenities in your home as safe and accessible as possible. It can be hard to imagine that tasks around the house that were once done with ease can one day pose a challenge. Anticipating the challenge and planning accordingly may allow you to remain in your home for an extended period of time. Often, with some minor modifications, your home can be adapted to help you stay as long as possible even with some loss of mobility.
HOME MODIFICATIONS
Living at home longer may mean renovating a home to make it more accessible. This can include such things as installing ramps to bypass stairs, building a bedroom on the main floor, placing grab bars in the shower, changing the height of kitchen countertops or making a bathroom safer and more accessible. Before you make home modifications, you should evaluate your current and future needs by going through your home room by room and answering a series of questions to highlight where changes might be made. Several checklists are available to help you conduct this review. The National Resource Center on Supportive Housing and Home Modifications is a good place to start. Go to the center’s website at http://www.homemods.org and click on the link to the “Safety Checklist and Assessment Instrument.”
GETTING HELP
Keeping a house running smoothly requires a lot of hard work. If you are no longer able to keep up with the demands, you may need to hire someone to do laundry, buy groceries, run errands, clean the house or perform any necessary repairs. Those who are unable to perform Activities of Daily Living (ADLs), such as getting in and out of bed, walking, bathing, dressing, and eating, can often continue to stay at home with outside help. There are a number of services that can be brought in to assist with ADLs and other personal care. You can hire someone, such as a personal care aide or home health aide, to help you out a few hours a day or around the clock.
Some health care services can be provided at home by trained professionals, such as occupational therapists, social workers or home health nurses. Check with your insurance or health service to see what kind of coverage is available, although you may have to cover some of these costs out of pocket. If very specific conditions are met, Medicare will help pay for all or a portion of home health care.
TRANSPORTATION
Declining health often causes a decline in independence and mobility. Many seniors lose the ability to drive or simply feel uncomfortable behind the wheel at night. Investigate transportation options in your area so you can maintain an active social life, get medical care and shop for necessities. You might find family members willing to take you to the grocery store, friends who will drive you to social events, nearby bus routes, reduced fare taxis or senior transportation services funded by a local not-for-profit. Staying in your home should not mean being cut off from community activities you enjoy. Finding new ways to get around, even after you are no longer driving, may allow you to stay engaged and active.
Fun, frugal and environmentally-friendly, these tricks will help you get a great garden:
Use a yardstick and permanent marker to mark inches and feet on the handle of your rake, shovel or hoe. The next time you plant, simply lay the marked handle along the row and perfectly-spaced seeds will be a snap.
Line the bottom of a clay pot with a coffee filter to keep soil from leaking out the bottom hole.
Use empty plastic water bottles or clear milk jugs to fill the bottom of large pots. They will reduce the weight of the pot and require less soil to fill.
Want to test your seeds to see if they’re still viable for this planting season? Do what kids do. Place a wet paper towel inside a zip top bag, drop in 3-4 seeds and wait a week to see if anything grows.
One way to prevent weeds is to line your garden with a layer of newspaper. Just top two or three sheets of newsprint with a layer of pine needles, grass clippings or dried leaves for an eco-friendly and inexpensive weed barrier.
Instead of planting tall sunflowers in a row, plant them in a large circle. Once the flowers reach their full height, it will be the perfect secret hideaway for children to play.
Provide brightly-colored nesting material for birds to build their nests. Cut small lengths of yarn, ribbons, twine cloth strips, and then gently drape them over sturdy plants or tree branches. Spring nests will be beautiful.
Keep gardening twine handy. Nail a funnel to your potting bench with the spout pointing downward, feed the twine through and your string will never go missing. For a more portable solution, place a ball of twine inside a Mason jar, make a hole in the metal lid and feed the end of the twine through the hole. Now, you can take twine anywhere tangle-free.
There is no need to buy expensive potting systems for starting seedlings. Place several cardboard toilet paper rolls inside a clean plastic clamshell, like those used for supermarket salads. Fill each cardboard tube with potting soil and plant. Once your seedlings grow too tall for the clamshell, simply tear off the top lid.
Canning tomatoes is an art that requires hours in a hot kitchen on a steamy summer day. Forego the work and simply freeze your tomatoes in a zip top bag. When you thaw the tomatoes, their skins slip right off and you’re ready to add delicious summer flavor to your favorite recipe.
How the ‘Uber Economy’ May Threaten Assisted Living The so-called ‘Uber economy’ has created controversy about what the future of various industries will look like—the senior living sector included. How the ‘Uber Economy’ May Threaten Assisted Living
Companies such as Uber, Instacart and TaskRabbit now offer alternatives to past ways of offering senior-oriented services, consequently transforming how the older demographic accomplishes everyday tasks, The Washington Post reported.
“I’m all for all these newfangled things that make life easier,” 88-year-old Sally Lindover told the Post. Lindover uses Instacart, which grocery shops for its users, and rents out her apartment’s second bedroom using Airbnb.
“I like to be here when people come in,” Lindover said. “I like to see them, and they see me, and I can give them some information about the neighborhood.”
Over 50% of Airbnb’s hosts are older than 40, and 10% of them are older than 60, the Post reported. Empty-nesters often have a surplus of rooms to rent, as well as “the life experience to know what it means to welcome someone into your home,” according to Anita Roth, Airbnb’s head of policy research.
Meanwhile, 25% of the drivers at Uber, which recently announced a partnership with AARP, are 50 years old or older.
According to the Post, traditional senior-oriented services are considering the possibility that similar tech companies may steal away their future customers.
“I do view it as both a threat and an opportunity,” said Tom Grape, CEO of Benchmark Senior Living. He added that decision not to move to senior living “is already our biggest competitor, and of course we fully expect that technology will allow people to stay at home longer in the future.”
Written by Mary Kate Nelson of SeniorHousingNews.com
Many aging seniors are not willing to leave home for an assisted living placement. Often, a health crisis must occur before they agree to placement. We cannot blame them; home is their security and freedom. Home is a familiar place where they feel comfort and joy. Naturally, when we give them choices, whether to live in an assisted home community or stay at their home by themselves, they choose the latter. Live-in Companionship
However, when children have their own lives to live, leaving aging seniors by themselves creates worry and stress. Hiring a live-in companion is an ideal solution.
The Responsibilities of a Live-In
The responsibilities of a live-in companion may vary depending on the elders need. Generally, a live-in companion provides assistance on ADL’s (activity of daily living), meal preparation, home maintenance, laundry and running errands. Live in Companions for Seniors
The Advantages of Senior Care at Home with a Live-In
Hiring a live-in companion has several advantages over assisted living placement.
Seniors will enjoy the benefit of staying home. This setting will personally benefit the seniors. They are able to stay in their own house, and enjoy living near family and friends. Also, they are able to eat meals according to their liking. With a live-in companion, you are able to receive one- on- one assistance and care as oppose to care being provided for group settings where you have limited choices.
Family members can participate in care giving. Aging parents need their family’s love and support. With your family member around or near you, you are able to participate in care giving. Giving them a few hours of your time is a perfect way of expressing your love and appreciation to them.
Live-in caregivers are cost effective. Many think live-in caregivers are an expensive option since board and lodging will be provided. Yet, a live-in companion is reported to be cheaper than the cost of assisted living placement or long term care facility. Also, this setting is flexible. If assistance is not necessarily in 24/7 basis, you can have your own schedule to benefit both the caregiver and the recipient.
Live-in caregivers develop trust. The continuity of a live-in foster’s trust. When you are away from home, you will not worry about your parents because you know they are in good hands.
Home care minimizes exposure to contagious illnesses. In senior’s facility, there are groups of people who share common places like dining. There your loved one may be exposed to possible contagious diseases. If they are living at home their exposure can be minimized.
A live-in companion for your aging parent has a great advantage in comparison to the assisted living placement. However, it is not an ideal option for elders who have chronic or complicated health issues.
Make ‘Aging in Place’ a Priority in Georgia According to an AARP study, nearly 90 percent of seniors want to stay in their own homes as they age. This is often referred to as “aging in place.” But, it’s increasingly difficult for Americans to grow old in their own homes due to the cost of aging and the lack of financial resources. Make ‘Aging in Place’ a Priority
According to the Administration on Aging, in 2013, more than 4 million people over the age of 65 lived below the poverty level. And, another 2.5 million older adults were classified as “near-poor.”
Not having the financial means to retrofit your home as you age accounts for a large number of seniors giving up on their dream of aging in their homes and moving to assisted living facilities. And, given the increase in the number of older Americans, which is expected to account for more than 20% of all Americans by the year 2030, housing for seniors has become a hot button issue.
The National Association of Home Builders predicts that the ‘aging in place’ remodeling market will reach $20 to $25 billion this year. But, the older adults that live in poverty simply cannot afford to be a part of this phenomenon. And, in the state of Georgia, the problem is even worse. According to the Atlanta Community Food Bank, 1 in 9 senior citizens in Georgia are living in poverty.
Juanita is one such person. She is a lifelong proponent of helping others. Her volunteerism has included being the first African American woman to start a local chapter of Camp Fire Girls in Atlanta. She has also worked over the years to get at-risk youth off the streets and into constructive activities. However, at 80 years old, Juanita suffered with a heart condition and other related illnesses. In 2012, she found herself in the unfamiliar positon of needing help; not giving it.
Juanita had lived in her home for 46 years but when her daughter died in 2011 she lost the one person that helped her remain in her home. Her daughter helped to care for her and keep her home in good condition. Therefore, when Juanita found deterioration and damage to her house she had no means to tackle the needed repairs. For a house built in 1960 that had never undergone any sort of renovation, much would need to be done to make the house suitable for Juanita to continue comfortably and safely aging in place. Fortunately for Juanita, Rebuilding Together Atlanta, with the financial and volunteer support of CBRE, stepped in to make needed repairs to her home at no cost thus enabling Juanita to remain in her house.
The Department of Housing and Urban Development American Housing Survey reports that 81% of older people in the U.S. own their homes. But, the same report states their median income was just $34,500 in 2013 and almost 45% of older Americans spent more than 25% of their income on housing costs. And, despite these expenditures, many of these older homes are in disrepair.
We all want seniors to have quality of life and to live in warmth, safety and independence. Like Juanita, they deserve it after their own lifetime of service to others. It’s time for Atlanta and the state of Georgia to partner with community-minded organizations to create an environment that encourages aging in place and provides the means to that end. With the combined efforts of the government, community and nonprofit organizations, and businesses we can realize that vision. One house, one senior citizen at a time.
By Camille Kesler, Executive Director, Rebuilding Together Atlanta
Are Your Appliances Up To Scratch? Home appliances should be checked on a regular basis. Not only will this help you to know that you are getting the best out of them, but also you will be ensuring that you and your family are kept as safe as possible. Are Your Appliances Up To Scratch?
If your appliances are not in a good working order, they will be potential hazards, but not only that, even if you avoid a major disaster, they will certainly be costing you far more in energy. Ovens for instance could have the potential to leak gas whilst washing machines can carry many dangers from the potential for major electrical faults to simple things such as ruining your family’s clothes.
Checking them regularly is the first step to making sure they are not hazardous or simply just not doing the best possible job. Faulty washing machines for instance could lead you to have to wash clothes many more times than should be necessary and in turn waste money not just on energy bills but on washing powder and softener too.
Should your appliances be old or no longer working like they should, it is easy to just let things carry on as they are and get complacent, or be worried about how much new replacement ovens are going to be. However, if they are showing problems there is a potential for danger never mind the reduction in efficiency and getting them repaired or buying new alternatives is a must.
In the long run it is often easier to simply buy new appliances as by shopping for them online you will almost certainly find them at prices that make forking out for repairs seem utterly pointless. A new appliance will also come with a good warranty and you can be sure that it will do the job you need it for many years to come.
Is your Furnace Filter Making You SICK? We all know how important nutritious food and clean drinking water are to our health. But rarely do we consider another major health factor we cannot see, touch, or taste: the air we breathe. Medical studies confirm that many people unknowingly breathe “sick” air in their homes and offices every day- air that contains common microscopic elements like pollen, dust mites, and bacteria. As this polluted air is absorbed into our skin, lungs, and blood cells, it often causes or aggravates allergic reactions, headaches, fatigue, recurring colds, breathing difficulties, dizziness, nausea, and serious respiratory diseases. Is your Furnace Filter Making You SICK?I
Air conditioner filters commonly used in residential applications are often inefficient, low cost furnace filters purchased from a local hardware store. These filters generally consist of a cardboard frame housing fiber mats or blankets of varying thickness, fiber sizes, and densities. Manufacturers recommend changing these filters regularly, however, homeowners rarely follow such recommendations.
As a result, particulate buildup on the filter increases thereby increasing the pressure drop or resistance across the furnace filter. When this occurs the airflow naturally seeks the path of least resistance. Since the thin cardboard filter frames provide a poor perimeter seal, when the resistance increases, air tends to leak around the frame edges thereby completely avoiding filtration.
One company recently received a US patent for a new, efficient, air conditioning filter incorporating a plurality of filtration methods in series configuration for optimum filtration performance and low resistance. The invention comprises: a rigid frame custom fabricated and sized for a conventional air handling unit filter track, a gasket attached to the frame for providing a seal to prevent air bypass, a conventional replaceable dry-type filter media, viscous impingement media, and an electrets or electrostatic filter, arranged in series.
These new furnace filters have been engineered to eliminate the many problems found in ordinary furnace filters. They are available through air conditioning companies and home inspectors; you can also find them on the internet by searching Air Sponge Filters.
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