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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
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By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
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I am sure you can; however, as JoAnn stated you will have to be able to access it if your mom needs to apply for Medicaid. I would suggest a CD not a whole lot of interest but most banks and other financial institutions have CD for one year; this way the money is not tied up for to long of a period.
Another one, which is a little more expensive but are short term with pretty good interest rate are bonds. I am not talking about bonds from a bank that in ten yrs you make 50 dollars! These a specialty bonds. This is how they work: Warren Buffett needed to raise funds to buy some trains instead of getting a loan through a bank or giving people shares, he borrowed money from everyday people. So, Buffett issued bonds out for x amount of dollars and people could buy as many or as little as they wanted. Why did he choose to go this way, because it the bank charges him (well say) 6% interest Buffett could sell bonds for his new train idea willing to pay 4% interest. This in turn saves him 2%. Furthermore, Buffett can state the bond will be repay to everyone in a year vs 10 to 20 years from a bank or risk selling shares (from his company) to people who may not want to sell the shares back to Buffett. This is a common practice that most people don't hear about. But it is a good way for Buffett or big companies to raise funds and save money. Microsoft did the same thing back when Vista Windows came out, for them they needed to raise some cash but didn't want to issue anymore shares so again they issue out x amount of bonds on the agreement that the bonds would be sold back to Microsoft in (I believe it was 2 yrs) again using smaller interest rate than a bank and shorter time frame to pay back the loan. However, you will need an investment broker to help you and they are not cheap!
As long as you can get to the funds if she ever needs Medicaid for her care. Medicaid will do a five year look back and ssk about any large amounts of money being withdrawn.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Another one, which is a little more expensive but are short term with pretty good interest rate are bonds. I am not talking about bonds from a bank that in ten yrs you make 50 dollars! These a specialty bonds. This is how they work: Warren Buffett needed to raise funds to buy some trains instead of getting a loan through a bank or giving people shares, he borrowed money from everyday people. So, Buffett issued bonds out for x amount of dollars and people could buy as many or as little as they wanted. Why did he choose to go this way, because it the bank charges him (well say) 6% interest Buffett could sell bonds for his new train idea willing to pay 4% interest. This in turn saves him 2%. Furthermore, Buffett can state the bond will be repay to everyone in a year vs 10 to 20 years from a bank or risk selling shares (from his company) to people who may not want to sell the shares back to Buffett. This is a common practice that most people don't hear about. But it is a good way for Buffett or big companies to raise funds and save money. Microsoft did the same thing back when Vista Windows came out, for them they needed to raise some cash but didn't want to issue anymore shares so again they issue out x amount of bonds on the agreement that the bonds would be sold back to Microsoft in (I believe it was 2 yrs) again using smaller interest rate than a bank and shorter time frame to pay back the loan. However, you will need an investment broker to help you and they are not cheap!