>	Are the residents experiencing similar needs?
>	Plan ahead to make sure the property accommodates your needs over the long haul
>	Avoid changing facilities because seniors do not like change.
>	Request a written list of extra charges and policy for changing charges.
>	Make sure the provider evaluates the needs of the resident and needs are communicated clearly.
>	Examine the menu and make sure the facility can accommodate special diets.
>	Make a couple of unannounced visits before making a final decision.
>	Speak with the residents alone and find out how they like living there.
	Change in society today occurs very fast. For some seniors, change is too fast, difficult to keep up with, and this causes anxiety and fear. My senior clients have received tender loving care since understanding and comfort is sorely needed during this stressful time of change. Moving for seniors is very stressful! Moving may be due to illness or financial problems, or pressure by adult children. In summary, I give my clients the patience, care, and understanding that they need during these trying times. My clients truly become part of my "family".
	I can send you any information you desire or need by either e-mail or fax.... Have fun
	Senior Citizens Information
	Suddenly Senior
	50+fun
	senior housing for seniors
	Reverse Mortgages for Seniors
	Aarp.com
	Administration on Aging
	Senior National Care Planning
	Community Resources and Support Groups:
	Use these sources to obtain additional health and safety information from many  of the major health organizations and associations. Consult your local phone book for local chapters in your community and for other nearby resources for older adults.
	Alzheimer's Association 1-800-272-3900 AARP 1-800-424-3410 American Cancer Society 1-800-227-2345 American Diabetes Association 1-800-232-3472 American Heart Association 1-800-242-8721 American Kidney Foundation 1-800-622-9010 American Liver Foundation 1-800-223-0179 American Lung Association 1-800-586-4872 American Parkinson's Disease Foundation 1-800-223-2732 Arthritis Foundation Information Hotline 1-800-283-7800 Better Hearing Institute Hearing Hotline 1-800-EAR-WELL Medicare Telephone Hotline 1-800-638-6833 National Institute on Aging Information Center 1-800-222-2225 National Mental Health Association 1-800-969-6642 National Stroke Association 1-800-STROKES Social Security Administration 1-800-772-1213 The Lighthouse (for the visually impaired) 1-800-334-5497 National Osteoporosis Foundation 1-800-223-9994 Administration on Aging (how to find services for older persons) 1-800-677-1116 National Aging Information Center re: technical information 1-202-619-7501       Reverse Mortgage is a Viable Alternative for More Seniors....

If you are a homeowner who is at least 62 and who can uses additional monthly income or a credit line for expenses such as a new roof, a car or a vacation, a reverse mortgage might be right for you.

This unique finance device pays senior homeowners either monthly or periodic payments. No repayment is required until the home is sold or the owner permanently moves out or dies. Then the reverse mortgage must be paid off either by refinancing or from the sales proceeds. 

Only in the last few years have FHA, Fannie Mae and Financial Freedom Plan reverse mortgages become widely available in most states. 

Using Equity to Create Monthly Income

If you own your home, are at least 62 and have little or no mortgage debt, your home equity can be used to create either monthly tax free income for the rest of your life, or a credit line for necessities, emergencies or extravagances.

The reverse mortgage terms depend on the homeowners age and the home's appraised value. If there is more than one homeowner, all owners must be 62 or older. Income, or lack therof, of the homeowner is irrelevant.

The older the homeowner, the greater the monthly lifetime income payments.

Even if the total exceeds the home's market value, the reverse mortgage lender must continue the payments. Never can the lender demand a deficiency payment from the borrower or the heirs. Only the residence is the reverse mortgage security.

Single family houses and condominiums qualify for reverse mortgage security, but cooperative apartments and mobile homes do not. The older the homeonwer, the better, because older owners qualify for larger monthly payments or a larger credit line. In other words, a 95 year old homeowner can receive bigger payments than a 70 year old homeowner.

If the residence is owned by husband and wife, the age of the younger spouse is used to calculate the available monthly payments or credit line. If the home has a small exisiting mortgage, it can be paid off with a lump sum reverse mortgage advance.

Ideal Candidates for Reverse Mortgages

Older homeowners who are property rich but cash poor are ideal for reverse mortgages. For example, a person who owns a house free and clear, but it needs much repair; the individual relies on social security and a small pension, and does not have the funds to pay for the repairs to the house; this person also needs more monthly income. This individual  would benefit greatly from a reverse mortgage link below. reversemortgage

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