Blog RSS Feed

Tag: live-in

Guidance for Purchasing a Home as a Senior

Added on July 12, 2017 by user

When you're ready to begin searching for a home, there are certain aspects you should look for as a senior. To avoid making changes after you purchase your home, you can look for one that already has designs that will allow you to age in place. There are also specific financial considerations to make, especially if you're living off of retirement funds or on a fixed income.

What to Look For in Your Home

If you're planning on uprooting to a new city, Forbes recommends renting for at least a year. You want to test the city to ensure you like the new community. Also, make sure you're comfortable with the distance between you and your family.

Once you're ready to begin your search, aim for a home that is one level, as even a single step can be an issue for someone using a walker or a wheelchair or if the person has balance issues. Don't just avoid stairs inside; avoids steps going into the home from all entrances: front door, back door, garage, etc. Also, a garage is a nice feature so you're able to enter and exit the car away from any inclement weather.

Opt for open plans with wide hallways and 36-inch doorways. All of these features are friendly for wheelchairs and walkers. Check the bathroom to ensure it's roomy as well, and take a peak in the shower. You want at least one stand-up shower that is curbless.

Be aware of the heights of the appliances, as you may not always be able to bend down to use the dishwasher or the washer and dryer. You may want lower counters in bathrooms and the kitchen for future wheelchair access. Also, ensure that the microwave and refrigerator have easy access.

Financing Challenges

According to Bankrate, age is not a factor in loan approval, and it's illegal for lenders to discriminate against borrowers on that basis. However, if you're living on a fixed income, it can be harder to get approved for a loan, and even if you meet the lender's guidelines, fixed-income seniors may have more issues making the monthly payments. Furthermore, if you're married, you must consider how you'll cover the mortgage payment if your spouse were to pass or become disabled. Speak to a financial advisor and a mortgage lender before purchasing a home.

Unless you plan on staying in your home for five to 10 years, it's going to cost you more to buy than to rent in the grand scheme of things. Also, buying a new home means you'll need a down payment. If you sell another home for profit before moving, the down payment may not be an issue. However, if you'll need to use your IRAs or other retirement accounts to cover the down payment, you're cutting into the money you'll have for daily living expenses, which could affect your lifestyle.

When you purchase your home, buy less than you can afford. There is no way to know what will happen in the future, regardless of age, but, as U.S. News contributor Teresa Mears notes, "Older people are more likely to experience involuntary unemployment or medical problems." Buying less than you can afford will make it easier to manage any issues that could occur.

When You're Gone

If you're concerned about the remainder of your mortgage affecting your children, a financial adviser or attorney can help them map out an estate plan. This way everyone will be prepared when you pass. Also, if you're not comfortable discussing your mortgage with your children now, a real estate agent can help them determine how much the property is worth and how much is owed when you pass.

 

How Caregivers Can Make a Difference for Seniors with Mesothelioma

Added on December 19, 2016 by The_Mesothelioma_Center

How Caregivers Can Make a Difference for Seniors with Mesothelioma

The symptoms of mesothelioma may make it impossible for a senior to live independently, but with a dedicated and experienced caregiver, a senior can still enjoy a good quality of life.

Mesothelioma can rapidly take away a senior's ability to drive and carry out activities of daily living. A caregiver supports the senior by taking on these tasks and providing emotional support. Because caregiving for a senior with cancer is extremely demanding for untrained relatives with their own responsibilities, the services of a live-in caregiver are highly recommended.

Continue Reading →

 

Live-in Eldercare Agency vs Private Aide

Added on December 16, 2014 by Jared_Rodgers

Live-in Eldercare Agency vs Private Aide

Life Force Caregivers for the Elderly has provided personalized live-in custodial care to hundreds of seniors since 1989. A live-in home health aide is an alternative to an assisted living or long-term care nursing facility by assisting with activities of daily living right in the comfort of your own home. While conducting the initial assessment of a client's needs and expectations, families naturally ask questions about Life Force's services. One question that sometimes arises is: What is the advantage of working with an agency like Life Force over hiring our own private aide?

When choosing between these two options families normally make a decision based upon price. Hiring a private aide is typically cheaper than working with a licensed agency, but a private caregiver easily becomes more costly in the end.

Continue Reading →

 

Live-in Care vs 24-Hour Care

Added on July 11, 2014 by Jared_Rodgers

Live-in Care vs 24-Hour Care

Life Force Caregivers for the Elderly provides live-in personal senior care. At times families have confused live-in care with 24-hour care. Although there are similarities, there are major differences that should be identified.

Live-in elder care provides ONE home health aide who lives at the home of the client for several days or several weeks at a time. With 24-hour care, there are multiple shifts throughout the day. The most common shifts are either three 8 hour shifts or two 12 hour shifts.

Continue Reading →

 

Live-in Care Complements Hospice Care

Added on July 2, 2014 by Jared_Rodgers

Live-in Care Complements Hospice Care

Life Force Caregivers for the Elderly supplements hospice care with live-in personal care. While hospice manages a client's palliative care, our live-in caregiver is ready to assist with the client's activities of daily living (ADLs). Here are some advantages when contemplating live-in custodial care for a loved one utilizing hospice. 

Continue Reading →

 

  • Items Per Page: 
  • 1 2 All
  • Page: 

Search Blog Search Blog

 

Recent Posts Recent Posts

 

Archives Archives

 

Categories Categories

 

Categories 24-Hour Care

View All →

Categories Alzheimer's

View All →

Categories Cancer

View All →

Categories CEU

View All →

Categories CHHHA

View All →

Categories Dementia

View All →

Categories Estate Planning

View All →

Categories Holiday

View All →

Categories Hospice

View All →

Categories Live-In Care

View All →

Categories LTCI

View All →

Categories Senior Housing

View All →

Categories Training

View All →

 

Tags Tags