How Seniors Can Select Their Best Lifestyle Arrangement


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Home sweet home – it’s a phrase that carries a different kind of weight in your golden years.  When you’re deciding on lifestyle arrangements that will both meet your needs and allow you to live life fully, the choices can be confusing.  We sorted through some of the top options to help you make this important decision. Read on for information to find your best fit. 

A little help  Many seniors are active and healthy, but need a small bit of help with daily life.  This can add to the confusion of finding a great living arrangement. In this case, one viable choice is an assisted living community.  These facilities provide support for activities of daily living, such as grooming, eating, bathing, and toileting. They also offer some great amenities, like transportation, common areas, and planned activities, but they allow you to come and go and do as you please.  As far as structure, there is a variety of choices, such as studio spaces and one-bedroom apartments.

It’s important to explore potential assisted living communities to find the one for you.  Consider things like how friendly and professional the staff seems, whether the facility is clean, and what features are offered that matter to you.  Cost-wise, assisted living in the town of Saint Cloud runs anywhere from $1,500-$7,720 per month.


Modify your space Seniors who live independently and wish to keep doing so often opt to modify a house.  If this is what you decide to do, it’s important to keep both present and future needs in mind.  This could be your current home, or you might elect to downsize to a more senior-friendly home. As U.S. News points out, downsizing can equate to several other key benefits for seniors.  You can pad your nest egg, cut living costs, lower your taxes, and reduce your maintenance burden.

Ideally, your home should have a kitchen, bathroom, bedroom, and laundry on the ground floor.  On the outside, low-maintenance siding and easy-care landscaping cut the time and energy you need to dedicate to upkeep, can help reduce your expenses, and reduce the strain on your back and joints.

As far as appropriate home modifications, options abound.  There are simple additions many seniors choose, such as installing grab bars in the bathroom, improving lighting, replacing door knobs with lever handles, and adding handrails to stairs.

Somewhat moderate home modifications might require a handyman to complete.  For instance, many people add a ramp to an entryway to keep coming and going comfortably, widen doorways in the event assistive equipment is required, and have flooring exchanged for a more senior-friendly option.

There are more extensive alterations to consider, which greatly improve your living environment if mobility should become an issue.  This would include things like a curbless shower and installing a laundry area on the ground floor.  Some seniors add gadgetry as well, such as smart home devices and specialty kitchen tools.

Contemplate what would keep you feeling comfortable and safe, and what would promote your independence if health or mobility becomes compromised.


Think outside the box  There are some creative ways seniors are handling their living arrangements these days, and if you can’t seem to find the perfect solution, they are worth consideration.  CityLab explains some older adults are forming grassroots villages in which they pay fees, live independently, help one another, and enjoy assistance from community volunteers.  Others are getting roommates Golden Girls-style, or renting rooms in their homes to younger people.  It’s a great way to maintain a social life, share responsibilities, cut workload, and offset finances.

Finding an ideal living arrangement for your senior years requires some thought.  Consider your circumstances and sort through the various options. With a little exploring, the right solution will come your way, and you’ll be set up for a comfortable and enjoyable future.

This article was written by Harry Cline with New Caregiver

The New Caregiver’s Comprehensive Resource: Advice, Tips, and Solutions from Around the Web

How To Move With Pets 🐈🐕

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🐾Update your pet’s tag with your new address.
Make sure your pet’s collar is sturdy and correctly sized. The tag should also include your mobile number and e-mail address so that you can be reached during the move.

🐾Request veterinary records.
Ask your current vet to send your pet’s medical history directly to the new vet. Have their contact information handy in case of emergency or if the new vet has questions.

🐾Keep a week’s worth of food and medication with you.
You may want to ask for an extra prescription refill before you move. Take the same precaution with special therapeutic foods.

🐾Seclude them from chaos.
Keep your pet in a safe, quiet room on moving day with a clear sign posted on the door. There are many light, collapsible travel crates available, but ensure it is well ventilated and sturdy enough for stress-chewers. Also, introduce your pet to the crate before the trip.

🐾Prepare a pet first aid kit.
Include your vet’s phone number, gauze to wrap wounds or to muzzle your pet, adhesive tape for use on bandages, nonstick bandages, towels, cotton swabs, antibiotic ointment (without pain relief medication), and 3% hydrogen peroxide.

🐾Play it safe in the car.
Use a crate or carrier in the car, securing it with a seat belt. Never leave your pet in the bed of a truck, the storage area of a moving van, or alone in a parked vehicle. If you’re staying overnight, find pet-friendly lodging beforehand and have kitty litter or plastic bags on hand.

🐾Get ready for takeoff.
When traveling by air, check with the airline about pet requirements or restrictions and whether you must purchase a special airline crate that fits under the seat in front of you.

🐾Prep your new home.
Set up one room with everything your pet will need: food, water, medications, bed, litter box, scratch post, and toys. Keep windows and doors closed when your pet is unsupervised, and beware of small spaces where nervous pets may hide. If your old home is nearby, give the new home owners or neighbors your phone number and a photo of your pet, in case your pet tries to return.

🐾Learn about local health concerns and laws in your new area.
If you’re moving to a new country, contact the Agriculture Department or embassy of the country to obtain specific information on special documents, quarantine, or costs related to bringing your pet into the country.

How to pack like a pro

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🧳Plan ahead.
Develop a master to-do list so you won’t forget something critical heading into moving day. This will also help you create an estimate of moving time and costs.

🧳Discard items you no longer want or need.
Ask yourself how frequently you use an item and how you’d feel if you no longer had it. Sort unwanted items into “garage sale,” “donate,” and “recycle” piles.

🧳Pack similar items together.
It will make your life easier when it’s time to unpack.

🧳Decide what you want to move on your own.
Precious items such as family photos, valuable breakables, or must-haves during the move should probably stay with you. Pack a moving day bag with a small first-aid kit, snacks, and other items you may need before unpacking your “Open First” box.

🧳Know what your movers will take.
Many movers won’t take plants or liquids. Check with them about other items so you can plan to pack them yourself.

🧳Put heavy items in small boxes.
Try to keep the weight of each box under 50 pounds.

🧳Don’t overpack boxes.
It increases the likelihood that items inside the box will break.

🧳Wrap fragile items separately.
Pad bottoms and sides of boxes and, if necessary, purchase bubble-wrap or other packing materials from moving stores. Secure plants in boxes with air holes.

🧳Label every box on all sides.
You never know how they’ll be stacked. Also, use color-coded labels to indicate which room each box should go in, coordinating with a color-coded floor plan for the movers.

🧳Keep moving documents together in a file, either in your moving day bag or online.
Include vital contact information, the driver’s name, the van’s license plate, and the company’s number.

🧳Print out a map and directions for movers and helpers.
Make several copies, and highlight the route. Include your cell phone number on the map.

🧳Back up computer files on the cloud.
Alternatively, you can keep a physical backup on an external hard drive offsite.

🧳Inspect each box and piece of furniture as soon as it arrives.

🧳Ahead of time, ensure your moving company has a relatively painless process for reporting damages.

Vocabulary: Agency & Agency Relationships

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The term “agency” is used in real estate to help determine what legal responsibilities your real estate professional owes to you and other parties in the transaction.

▶️The seller’s representative (also known as a listing agent or seller’s agent) is hired by and represents the seller. All fiduciary duties are owed to the seller, meaning this person’s job is to get the best price and terms for the seller. The agency relationship usually is created by a signed listing contract.

▶️The buyer’s representative (also known as a buyer’s agent) is hired by prospective buyers to and works in the buyer’s best interest throughout the transaction. The buyer can pay the agent directly through a negotiated fee, or the buyer’s rep may be paid by the seller or through a commission split with the seller’s agent.

▶️A subagent owes the same fiduciary duties to the agent’s customer as the agent does. Subagency usually arises when a cooperating sales associate from another brokerage, who is not the buyer’s agent, shows property to a buyer. The subagent works with the buyer to show the property but owes fiduciary duties to the listing broker and the seller. Although a subagent cannot assist the buyer in any way that would be detrimental to the seller, a buyer customer can expect to be treated honestly by the subagent.

▶️A disclosed dual agent represents both the buyer and the seller in the same real estate transaction. In such relationships, dual agents owe limited fiduciary duties to both buyer and seller clients. Because of the potential for conflicts of interest in a dual-agency relationship, all parties must give their informed consent. Disclosed dual agency is legal in most states, but often requires written consent from all parties.

▶️Designated agents (also called appointed agents) are chosen by a managing broker to act as an exclusive agent of the seller or buyer. This allows the brokerage to avoid problems arising from dual-agency relationships for licensees at the brokerage. The designated agents give their clients full representation, with all of the attendant fiduciary duties.

▶️A transaction broker (sometimes referred to as a facilitator) is permitted in states where nonagency relationships are allowed. These relationships vary considerably from state to state. Generally, the duties owed to the consumer in a nonagency relationship are less than the complete, traditional fiduciary duties of an agency relationship.

How to Calculate Capital Gaines

When you sell a stock, you owe taxes on the difference between what you paid for the stock and how much you got for the sale.

The same holds true in home sales, but there are other considerations.

How to Calculate Gain

Your home’s original sales price when you bought it (not what you brought to closing).  
Additional costs you paid toward the original purchase (include transfer fees, attorney fees, and inspections but not points you paid on your mortgage). +
Cost of improvements you’ve made (include room additions, deck, etc. Improvements do not include repairing or replacing existing items). +
Current selling costs (include inspections, attorney fees, real estate commission, and money you spent to fix up your home to prepare it for sale). +
Add the above items to get your adjusted cost basis: =


The final sale amount for your home.  
The adjusted cost basis figure from above.
Your capital gain: =

Download the Capital Gaines Worksheet

Realtors and Nona Title: Create a Thriving Partnership

Our goal at Nona Title is to help Realtors transform their idea of a relationship with a title company into smooth and efficient partnership with us.

A successful partnership with Nona Title includes excellent communication during the transaction process, attention to detail, a stress free closing experience for everyone, guidance every step of the way and several other marketing benefits that are a true value to the sellers and buyers.


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Benefits of Partnering With Nona Title

There are many ways the right title insurance company can help realtors — here are a few ways that we support our agents:

Excellent Communication

When working with Nona Title, our partners (realtors and real estate agents) receive prompt and efficient communication during the entire process. You’ll work with a team that understands how to provide timely and accurate information to you and your clients throughout the entire process.

At Nona Title we use an online document portal and communication platform that is safe and secure and available 24 hours a day. This unique platform makes communication smooth and efficient from anywhere you can access the Internet.

An Efficient Closing Process

We give our partners the ability to get a head start on the municipal lien search and title search through our Green Light Listing process. This clears up any potential issues BEFORE we get to the closing table.

Our goal is a stress free closing every time.

Licensed Title Agents

Each of our title closers are licensed, well-versed and trained to handle the transaction. We follow regulations and use the best practice guidelines of trade associations.

We comply with all practices required by the American Land Title Association (ALTA), as well as, stay in line with all requirements of the Consumer Financial Protection Bureau (CFPB).

Marketing: The Agent Advantage

We work with our partners on marketing listings and events. The Agent Advantage is a one of a kind marketing platform designed for real estate agents!

In an effort to help with listing and just sold marketing (and to ease some of the burden), we created The Agent Advantage to help agents get an advantage over the big teams and top players in the industry.

This is a HUGE benefit to the consumer!

As a seller, we get a running start on title searches for the property and clear up anything BEFORE we get to the closing table.

For the buyer, this prevents unnecessary delays in the purchase of the home.

Saving time and hassles and creating a stress free closing for all!

Our goal at Nona Title is to be the best title partner for realtors and real estate agents. You-Belong-Here-black