Wednesday, August 21, 2013

New Boise, Idaho Patio Home Community Offers Five Floor Plans and Reasonable HOA Fees


Nestled in the center of Boise, Idaho, the new community of Englefield Green is for those age 55+ and offers patio homes (town homes) for sale. This is a small development with just 84 homes, and construction began in 2007. In addition to the town homes, Englefield Green is planning an onsite assisted living section and a memory care section and just broke ground on the new 85-unit assisted living building in September, 2009. Homebuyers in Englefield Green do not have a direct connection to the onsite medical-related facilities, but they are close by if needed down the road.

Englefield Green offers five floor plans, and all homes are Energy-Star efficient. Each residence is built on one level (although some homes have a second story bonus room) and comes with an oversized, two car garage and a private patio. Current resale homes start at $179,900 and have two bedrooms, two baths and 1,320 sq. ft. The most expensive home for sale is priced at $339,900 and has a modified English Tutor design, along with three bedrooms, two baths and 2,430 sq. ft.

Open floor plans, 9 ft. to 11 ft. ceilings, gas fireplaces, large living rooms, a security system, plush carpeting, door level handles and kitchens with center islands are standard. Hardwood floors, granite tile in the baths and kitchen and upgraded lighting packages are found in the higher end properties. All residences are fully landscaped with a front yard and a backyard that is maintained by Englefield Green.??

Monthly HOA fees are very reasonable, just $92, and include the lawn maintenance, snow and ice removal and access to the clubhouse. The developer, Thompson Homes, is a family enterprise with 39 years of experience building homes in Idaho.?? Amenities are not overwhelming, but there is a new clubhouse with a community kitchen, a business center and a fitness center. A pond and walking paths create a pleasant outdoor setting.

As Englefield Green is built out, and the assisted living section is completed, there will be access to an aquatic center, and scheduled transportation and a meals plan will be offered (for a membership fee that is to be determined). There is no activities director, so residents have to keep themselves entertained.

Boise (population 585,000 in the surrounding metro area) is a growing city in southwest Idaho. Over the last few years, it has attracted more retirees, and today 30% of the population is age 46 or better. This is a safe city and has won national recognition as a place with a high quality of life. Its overall cost of living meets the national average.

Mountains are to the east, but Boise sits on a flat, high plain (2,700 ft. elevation) and has four distinct seasons. Summers can get hot with temperatures in the 90s (and very little humidity), and winter temperatures can dip into the teens, 20s and 30s. Snowfall averages roughly 2 feet per year.

Assisted Living Vs Nursing Homes


Assisted Living and Nursing Homes are two terms often used interchangeably, however this is a mistake. The two are actually very different, and a candidate for one is not a candidate for the other. The following are some differences between the two:

Assisted Living Facilities:

o Individuals in assisted living are more independent and can usually get through most of the day by themselves. They only need general help with daily activities like bathing, dressing, grooming and preparing food.

o Candidates still enjoy social activities with other people and make autonomous decisions about their day. Someone who belongs in an assisted living facility would be downright miserable in a nursing home.

o These living facilities require limited to no medical care. An ideal assisted living facility candidate would be in good health both mentally and physically.

o These facilities focus on personal privacy and self-sufficiency more so than a nursing home. Residents are able to maintain their independence in a more secure atmosphere.

o These facilities offer their clients a comfortable apartment that is luxurious and comfortable. Meals and light housekeeping are available.

o Assisted living facilities offer mature adults an alternative with care when needed and would prefer not to manage their large house anymore.

Nursing Homes:

o Those in nursing homes need a great deal more care. They usually require 24-hour nursing supervision and are generally not in good health. Nursing homes are equipped to handle patients who are not mentally or physically well.

o Nursing home patients require help with much more than three or more daily tasks - such as walking or being pushed in wheel chairs, eating, and regular medical tests.

o A nursing home is a place for someone who is unable to be cared for at home, but is not a candidate for hospital care. Although, some nursing homes are set up like hospitals to meet state requirements.

o Nursing homes also provide rehabilitation to help people gain back their independence after a serious health problem, i.e. a stroke or fall.

o Similar to hospitals, nursing home patients have little to no privacy and quite often share rooms.

o Nursing home clients are viewed as patients, not clients. They are there for the sole purpose to get well. If you or your parent is well, a nursing home would not be the ideal place. Perhaps you should investigate an assisted living facility near you.

9 Ways To Convince Donors Your Organization Has Changed (For The Better)


If you work in a school that relies on significant financial contributions to meet your yearly budgetary goals, it is possible that at some point there will be or has been a breakdown in confidence within the organization. As a result, donations have dropped, enrollment has likely declined, and school spirit is in serious jeopardy.In essence, the overall health of the organization is very poor and the prognosis isn't very good.

At these times, if the board of directors wishes to save the school, drastic measures must be taken to both "stop the bleeding" and set a new course to the future.

Below, I have suggested ten ways for schools to regain the trust and confidence once shown to it by parents, alumni, and donors.

1. New Leadership

The quality of leadership is vital to the overall success of any organization, especially a school. If your school is in dire straits, I would look at the person in charge of the day to day operations, whether he or she is called the principal, administrator, or superintendent. What has this leader done to either help or harm the community? What has he or she done to foster alumni development and what is the current status of donor relations? Has enrollment increased or decreased? All these factors are important when judging the leader. These questions can be summed up, however, when gaging the predominant "mood" of the school. If the teachers and students aren't energized and happy to be in the school everyday, I would submit that the leader is not doing a good job.

If this is the case, either something has to be done for the leader to improve dramatically in short order or a change must be made. Without the absolute commitment of the administrator, the school will continue its downward decent.

2. Apologize Without Excuses

Once new leadership (or at least a new leadership attitude) is in place, the repair work must begin. The incoming leader must quickly acclimate him or herself and find out who has been or who feels wronged by the organization. Then, the leader must reach out and do whatever it takes to bring these people back into the fold.

The leader must make this apology, even though he or she had nothing to do with the perceived injustice. The best way to do this is with a sympathetic ear and understanding words. Phrases like, "I can totally understand that would make you feel hurt," or "It makes sense that you felt we weren't being good stewards of the money" are honest and sincere expressions that will resonate with the people, without damaging the personal standing of the new leader.

Make sure not to get bogged down in excuses or details from the past. Accept that the person feels wronged and your job is to make him feel better. That's it.

Once you've got a few people back on board, word will spread, and your job of mending fences will become a little easier with momentum.

3. Make Easy Physical Changes within the Organization

I feel that easy physical changes should always precede difficult policy shifts. If your school is going to go through serious transformations in staff, procedures, and expectations, that will be difficult for some people to accept.

I have always found that if I undertake some simple physical projects, like painting, landscaping, re-arranging furniture, changing the purpose of a supply closet or classroom, or anything else that does not affect people's sense of security, but actually improves the physical appearance of the school, you will start to win them over before the tough stuff comes.

4. Honor History in New Ways

If the leader is new to the school, he or she can earn much respect and loyalty by finding a way to honor the school's past, but doing it in a way that has never been done before. This way, the leader will be both showing a respect for what came before, but also demonstrating that he or she has an eye on the future.

One example might be to create an annual award based on service to the school. This award could be named after a school founder or an important donor. This covers the "past" part, while the actual honor of the award, along with a new plaque that hangs in a prominent location is the "new" part. I did something very similar to this in the school I worked at and got great results.

5. Listen to Alumni and Donors

Another important task for new leadership in the school is to listen to alumni and donors. The leader should seek these people out and ask them a lot of open-ended questions. Let the alumni and the donors give you their unedited opinions about the school at large. Listen to them as long as they want to speak. Pay close attention and take good notes. Let them know that while you may not be able to make all the changes at once, you really appreciate their insight and will do your best to enact sensible change. This act of just opening yourself up will go a long way toward building trust and loyalty.

6. Study Successful Programs and Emulate Them

While every school has its own special circumstances, there are plenty of commonalities between educational institutions where you can find a success story to model. Do some research and talk to other leaders of similar schools. Share your story with them and find out what they did to pull themselves out of the tailspin they were in. While you may not use every suggestion, I would wager you will still find many pieces of useful advice in their experience.

7. Set Realistic Short Term Goals

Donors want to see verifiable proof of success. This is another reason why making physical changes is beneficial. Even though painting a few walls or cleaning something up won't make long-lasting improvements in enrollment or fund raising, they will show donors that "stuff is getting done." And that is good.

The leader must find a handful of areas that he or she can point to for easy success. Perhaps one goal is to improve communications. A regular newsletter, frequent email blasts, an improved website, and frequently updated bulletin boards are all ways to show that the leader is making quality communications more of a priority than it was in the past. Donors like this.

If the leader chooses to set and focus only on more long-term goals, like raising enrollment 10% for example, he will miss all of the building blocs in front of him. After the slow decline into the depths, donors and alumni, as well as parents of currently enrolled students are going to want to see more immediate signs of life. It's the reverse of the cliché, "Can't see the forest for the trees". Just remember that without individual trees, there is no forest.

8. Repair a Key Relationship(s) in the Community at Large

When I worked for the Christian school, I encountered a situation in which the relationship between the school and the local church community was dormant or in some cases, non-existent. I was shocked that there wasn't an active and dynamic support system between these seemingly cooperative groups.

One of the first things I did was to schedule private meetings with many of the key pastors involved to introduce myself and to invite them to become involved in our mission. Not everyone accepted my invitation, but some did, and we developed some very good friends from this effort.

I would guess that there are many rather obvious "missing links" in schools and non-profits out there. A new leader has the chance to, without any history, right some wrongs. If you find a person or a group that your school should be friendly with, but you aren't, I urge you to make this happen.

If you are successful in making this important connection, it will be another example to your board and donors that you are out there, changing the culture that existed before.

9. Be Appreciative

Sadly, one of the most common mistake non-profits in general and schools in particular, make is not to be appreciative of the gifts they receive. A gesture as simple as a thank you note is often forgotten.

This omission is often the reason why many donors break off their relationship with a school. I actually heard one donor once say he felt like a horse, ridden hard and then put away.

Even if a gift is many years old, if you are new to the school's leadership, you have the opportunity to say thank you again. With the "thank you" should also come the admission that you know this was (very) late in coming and you should give them your word that such omissions will not occur again. (And make sure they don't!)

Conclusion

Taking over a school in trouble is a very difficult task. The issues that put the school in jeopardy can be very serious and almost impossible to reverse. However, there are several ways that can help set your school back on a path to success.

How to Find an Assisted Living Facility


In an Assisted Living facility, support is provided to individuals that still wish to live as independently as possible but also need a hand with certain daily life activities. Housekeeping, dressing, laundry, transportation and taking medications are a few examples; there are many ways in which assistance is generally provided. Prepare a list of specific daily life activities that you would like assistance with and inquire about the services offered by each residence that you are considering.

Do an Online Search
The term 'Assisted Living' refers more to the type of care than the type of facility and for that reason, a website search will be helpful in the process of narrowing down your options. Assisted Living facilities may be available in a single family home or an apartment building or an entire community. There are many online databases that you may use to search by location, city, province or postal code.

Quality of Care and Level of Service
The provinces vary in the level of services provided under the Assisted Living umbrella so look into whether the provincial government has established regulation or if there is a standard that assisted living providers are accountable to.

In the province of Ontario, look for ORCA - Ontario Retirement Communities Association. In the absence of government regulation, ORCA has set standards of excellence in order to receive accreditation as an ORCA residence. In being accredited the facility demonstrates their commitment to providing a high quality of service to residents, staff and the public. Complete information may be found on the ORCA website.

British Columbia is the first province in Canada to regulate assisted living residences and an Assisted Living Registrar protects the health and safety of seniors in Assisted Living residences under the Community Care and Assisted Living Act. More information about the Assisted Living Act may be found on the BC Government website.

Location and Amenities
Location will be important when choosing an Assisted Living residence and in your web search you will see many community planners have already thought of that with regard to amenities. You may want to be in the heart of the city where you're close to dining and shopping or you may rather live in a quiet community in a more rural setting. Being close to family may also be important to you so make a list of your location preferences to help in your decision-making process.

Visiting and Questions to Ask
Most seniors' communities welcome visitors; look beyond the physical structure and esthetics and arrange to visit for an afternoon or even as an overnight guest. In doing so, you'll get a better feel for the community and have the opportunity to ask questions. Take a list of questions with you on your visit; here are some suggestions of things to keep in mind:

• Talk with the residents about their feelings and opinions of the community and collect references from them as well; you may want to call family members for their feedback.

• Arrange for a dinnertime visit and ask for a tour of the kitchen and also for a menu.

• Inquire about safety standards and look at stairwells and less traveled areas of the building for maintenance and cleanliness.

• Ask about the activities available and whether there's a social director on staff, ask for a calendar or a newsletter that you can take with you.

• Ask about admission requirements and application paperwork.

• Ask about the daily or monthly rates and whether there are costs for additional services like cable and telephone.

• Inquire about the average rates over the last 5-year period and about how frequently they expect to increase the rates. How much advance notice must you
give if you decide to move?

Consider Hiring an Advisor or Consultant
There are many things to consider in making the move to an Assisted Living community and an advisor or consultant can help in covering all bases. This is a big step and the most important consideration should be given to ensuring your comfort and safety. Gather all the information you can with the focus on making this period of transition as smooth as possible.

Can't I Just Deed the House to My Child and Apply for Medicaid?


It is certainly possible for a parent to sign a deed transferring complete title of the parent's home to a child. However, the parent should be very sure he or she understands the ramifications of signing such a deed.

First of all, this is a taxable gift. However, in most states there is no state gift tax to worry about, and if your total gifts during life will never exceed $1 million, you'll have no federal gift tax to worry about, either.

Second, and more importantly, you no longer own the house. That means that you're at the mercy of your child who now owns it. But you're not worried about your child kicking you out, you say? That's not necessarily the issue. What you should be concerned about is if your child gets sued because of a business deal gone bad or a car crash where the injuries exceed your child's auto insurance policy limits. You should also be concerned if your child gets divorced, with the divorce rate being as high as it is. You see, although even after you've signed the deed you may still think of your home as "your" house, it is now really an asset of your child's, and those creditors will have no problem foreclosing on "your" house and booting you out.

Third, there is the impact on Medicaid eligibility. If you or your spouse deed your home to one or more of your children, that transfer will cause a period of disqualification from Medicaid. This is called a "penalty period." The length of the penalty period depends on the value of your house. The formula the states use is this: amount of gift [divided by] penalty divisor = # of months penalty. The "penalty divisor" is a figure set by each state, roughly equivalent to the average cost of a nursing home in your state.

Example: You deed your house worth $150,000 when your state's "penalty divisor" is $5,000. $150,000/$5,000 = 30. Thus, if you applied for Medicaid the next day--or anytime prior to five years from now--you would be disqualified for the next 30 months. The only way around that is if you waited at least 5 years and then applied for Medicaid. At that point, the gift of the house would be ignored, since it is outside of the 5-year "lookback" period.

If in the above example your house were worth $350,000, the penalty period increases to 70 months! Of course, in that case, you would definitely want to wait to apply for Medicaid until after the expiration of the 5-year lookback period. If for some reason you forgot and actually did apply before the 5 years were up, you would be faced with a 70-month penalty period. There is no upper limit to the length of the penalty.

There are exceptions to the above rule that allow a transfer of the house without it causing a penalty. These exceptions will be discussed in future blogs. Stay tuned!

Tuesday, August 20, 2013

Veteran Benefits That May Help Pay For Costs of Assisted Living


There are many veterans and surviving spouses of veterans who are currently either in assisted living or are looking to move into an assisted living community; however, the costs become such a burden on the resident and often times, the family has to keep their loved one at home due to the high costs of moving their loved one into an assisted living community. What many people don't know is that there is a benefit for veterans and surviving spouses of veterans. The benefit is called Aid and Attendance and is provided by the VA. For the actual veteran, he/she can receive up to nearly $2,000.00 each month as a reimbursement for his/her expenses in assisted living.

Now, I'm not the expert on getting you the benefit, but I am the expert on giving you enough information to know if it's something that you should be looking into and where you can get more information. For the surviving spouse, he/she may be eligible for close to $1,000.00 each month as a reimbursement for his/her expenses in assisted living. Now, you or your loved one is living in a skilled nursing facility and you're wondering if the benefit will help pay for those costs. The answer is, absolutely. Most (if not all) medical expenses in fact, are reimbursable up to the cap amount that was mentioned previously.

How do you know if you qualify? Here are a few tips. The veteran will have had to be on active duty at least one day during one of the major wars such as Vietnam, World War II, or the Korean War, etc. The VA will look at your current income also. If your income is less than your medical costs (and yes, every penny of the cost of assisted living is considered a medical cost), you will be eligible to be reimbursed up to the full amount of the benefit. For example, say your income is $1,500 per month and your medical expenses are $3,000 per month. You will be eligible for a reimbursement of up to $1500 each month. This amount is paid to the veteran directly and not to the facility. Will they take into consideration that the veteran still owns a home and has other assets? Yes, however, there are legal ways to move these assets around to become eligible for the benefit. I would use the professionals to help you do this to make sure you're doing it right.

Now, how do you get the benefit? There are two ways. You can either go to the VA yourself and do all of the paperwork yourself or you can have a company help you in the process. There are pros and cons to each. If you do the paperwork yourself and work directly with the VA, it may take a while as there are several forms to be completed and if you don't submit them just right, it may delay the reimbursement. If you use a company that specializes in this process, they'll know exactly what needs to be submitted and they'll help you submit it correctly the first time (allowing you to start getting the maximum benefit). These types of companies typically charge anywhere from $500-800 to help you complete the paperwork, but that will pay off after one month of reimbursement potentially. http://va.gov is the site where you can find more information about this benefit. Put in the key word "aid and attendance."

So how do you find a company that will help you in this process? I would call an assisted living community near your home and ask them. In Utah there is a company in Salt Lake County call Senior Care Associates that does a pretty good job at this.

One final and very important piece of information. With this benefit, it's not retro-active in one sense; however, there is a form called Statement in Support of Claim found at va.gov/vaforms/form_detail.asp?FormNo=21-4138. THIS IS SO IMPORTANT! Get this form in first. From the time that the VA receives this form from you, you will be reimbursed back to the date they received this (while you're taking some time to gather all of the other necessary forms and documents to get the benefit).

After jumping through all of the hoops, you'll be grateful to have know about this benefit. Now you need to share this valuable information with others who could benefit from it.

All the Benefits That Go Along With Independent Living


Pennsylvania residents, if you are an active senior citizen you should know about the benefits that go along with Independent Living in PA. Independent Living facilities in Pennsylvania have become so much more then "life care" communities, or facilities that provide health care, security, housekeeping services, and dining services. The best Independent Housing communities provide all those services and more, excelling when it comes to creating the "lifestyle" their residents want. This includes superior dining services with flexible hours, a wealth of services and amenities that encourage residents to lead an active and healthy lifestyle with fitness and exercise, as well as educational programs, tennis and golf, and other group activities as well.

Seniors enjoy Independent Living in PA communities, as they grant the freedom from certain responsibilities and provide the option of travel, and increased leisure time to take courses or volunteering wherever one may wish. You can enjoy longer fitness workouts, pursue activities at leisure, and live your life as independently as desired. Independent Housing ensures that residents have time enjoy the lifestyle they want- lawns are mown, snow is shoveled, and housekeeping tasks are taken care of, with security services around the clock to ensure the well being and safety of residents. Whether you need someone to turn a mattress, hang a picture, or change a light bulb, someone is available to help you out.

Independent Living Facilities in PA provide exceptional medical care. They offer Brain fitness training programs (think faster, focus better, and remember more), an Electronic Medical Records System, and Smart Med Charts to keep residents in the best health. Properly trained staff and a warm family atmosphere indicate a quality retirement community for those who choose independent housing. Independent Living means that there are minimal rules and policies affecting residents- far fewer then retirement communities and assisted living facilities. Visitors are welcome all the time, and the only rules in place are those that the majority of residents desire.

Many Independent housing communities are available for seniors who wish to live in their own apartment or private housing and enjoy the freedom to do as they wish while enjoying a active lifestyle- but at the same time know that in the event of an emergency, they will receive the treatment and help necessary. Independent Living gives you the option to live in your own apartment and enjoy as much social interaction with other close by residents, while maintaining your own schedule and coming and going as you wish. Independent housing apartments and residences also ensure you are part of a safe community-you can live your life as you wish but feel secure as you go about your day. Learn more about Independent Living and other upscale retirement communities.