Six Answers about You and Long Term Care

Long term care of elderly is everyone’s concern since it will most likely affect you or a loved one. In this article I’ll respond to 6 questions that encompass your long term care (LTC) concerns: What is LTC? Who needs it? Who provides help for it? What’s the cost? Who pays for it? What should you do about LTC?

What is LTC?

You need LTC when you need help carrying out your activities of daily living (ADLs) for the foreseeable future. For seniors, this most likely means for the rest of their lives. Examples of ADLs are dressing, bathing, toileting, eating, transferring from bed to bathroom and continence.

Who needs LTC?

Boston College’s Center for Retirement Research (BCCRR) (http://crr.bc.edu/images/stories/Briefs/20&ib;_7-13.pdf.) found that three of every four 65 year olds are projected to need LTC in their future. The percent breakdown of elderly needing LTC will be:

31% – no care

29% – 2 years or less

20% – 2 to 5 years

20% – 5 years or more

Who provides help for LTC?

Long term caregivers do. They’re either skilled or custodial caregivers. Custodial caregivers are typically family or friends, volunteers, or paid helpers. Heath care plans pay for skilled caregivers (i.e. medical specialists like doctors, nurses, etc.) but only for custodial services if these are given as part of a skilled care procedure.

You receive LTC in your home, at an adult day center, an assisted living facility, a hospice facility or at a nursing home.

What’s the cost of LTC?

The cost for LTC services depends on where you’re living and what level of long term care you’re getting. Approximate annual costs may be $25,000 for home care at home; $40,000 for an assisted living base rate; and $80,000 or more for nursing home costs. These costs can cut deeply into your savings or legacy.

Who pays for LTC costs?

The BCCRR study shows that 18% of dollars spent on LTC come from direct out-of-pocket payments by individuals. Medicaid pays about 50% of LTC costs but only for those who have almost no assets since Medicaid is for the poor. Medicare paid 20% probably as transition costs only since Medicare is not intended to pay continual LTC costs. Only 7% of LTC dollars were paid for by private LTC insurance policies.

What should you do about LTC?

Clearly, you or a loved one will probably need some long term care in the last stages of life. And it’s very costly. It can wipe out all your savings or legacy if you require a year or more of it. So you need to plan for how you can handle paying your LTC costs.

Three options for paying for LTC are:

1. Pay it out of your pocket (i.e. your own savings)

2. Buy LTC insurance so the insurance can pay it

3. Let Medicare pay it.

Paying for LTC yourself requires having a lot of money – enough earnings on your money to not jeopardize losing all your savings and legacy. Perhaps you should have at least $750,000 not including your home.

If you buy LTC insurance, you’ll have to pay premiums each year. This is more costly the older you are when you start paying them. You get tax breaks for premiums paid. But starting earlier makes premiums less.

Medicaid will pay a person’s LTC costs but only if they’re unable to contribute their own money or assets to what Medicaid pays for you. Only until you have less than about $3,000, will Medicare pay for you at no cost to you. But you can’t just transfer all your assets to loved ones one day and apply for Medicaid the next. You must transfer your assets away some 5 years earlier than when you apply.

So you can see that you need to look into what is the best strategy for you. Depending on your age and wealth you can find a strategy that minimizes your loss of wealth for dealing with the probability of needing LTC.

If you plan early and transfer assets away early, you can possibly save a fortune for you beneficiaries.

Long Term Medical Insurance

Long term medical insurance alludes to medical expenses that go beyond the normal insurance coverage situations. It’s involves chronic or long-lasting illnesses. People who need long term medical insurance and care are not ill for the most common reasons, but are in such a way that they can no longer perform their daily tasks and involve themselves in doing the basic things required in their daily activities. If they can no longer bathe themselves, dress, go to the toilet, get in and out of bed, or walk, then they’re candidates for long term medical insurance.

 

When people get to this point in their health, they’re in need of assistance in accomplishing these daily tasks. This can be a very expensive problem. Someone will have to be paid to assist them. With a long term care policy the insured can decide exactly which one of these services they receive as well as where they would like to receive them. The long term medical insurance policy is structured specifically for people in these types of situations.

 

The fact that people are living longer sounds really good. It would be better if people were living ‘young’ longer. As the older years get extended, you find more of a need for long term care medical insurance. The older a person gets, the more their risk for serious health problems rises. And the fact is, most regular health insurance policies don’t cover long term expenses. That’s why it’s vitally important to have a long term insurance plan if you reach a certain age.

 

Having long term medical insurance will protect you against many things. It will assist you in paying a nurse to visit your home and help you with the necessities. Or it can help defray the costs of living in a nursing home. There are also programs like ‘adult day care’ that it can help you with. And you can get help with assisted living  programs where you can get health monitoring services as well as meals.

 

The fact is, long term medical insurance isn’t for everyone. But it’s a good idea to get locked into it before prices go up. Costs are rising each and every year, and the eligibility requirements are getting more and more strict as time goes by. When you’re looking at using your retirement savings toward your insurance cost, it pays you to get in early enough to keep your cost to a minimum. If you’re reaching old age, then you need to consider how to stay independent and not put added strain on your family for your long term care.

 

Long term medical insurance is expensive. If you’re at the age of 65, even if you’re still in good health it can run you between two and three thousand dollars a year. And this is just for nursing home care. Some things to consider are these – Just what coverage you need and what it will do for you. Also what your benefit period is, which means ‘how long will it pay for your care’. And be sure to buy a policy that has ‘inflation protection’ to protect you against the rising costs of health care that take place every year. If it doesn’t have inflation protection, then steer clear of it. As a rule, long term medical insurance is required to give you options against inflation.

Your Memory: How It Works And How To Improve It As A Result Of Greater Social Contacts And Enhanced Group Interactions

This is an article about your memory: how it works and how to improve it.   Research increasingly informs us that more group engagement delays memory loss as we get older. This is not surprising because relating to other people exercises the memory at numerous levels. As we understand more about how memory operates we recognize that earlier experiences are steadily being recalled and associated with current perceptions and thoughts. When the resulting associations are themselves saved for future use, the memory is extended.

That is why solid social interaction with friends, family and community members can strengthen our brain health as we get older. It also reinforces the insight that social seclusion is a key risk factor for mental and emotional decline for seniors. Recently the Harvard School of Public Health reviewed data from the Health And Retirement Study which observed adults who were 50 years old or more. The subjects of the research completed memory tests every two years. The researchers also evaluated the social pursuits of study participants based on marital status, volunteer activities and contact with parents, children and neighbors. The outcomes showed that folks in their 50s and 60s who pursued a significant quantity of social activity also had the slowest rate of memory loss. In fact, when they were compared to folks who were the least socially active, those who had the greatest socialization scores had less than half the rate of memory loss.

When our aging friends say, “I really want to know how to improve my memory,” it is not difficult for us to suggest to them to get out of the house as often as possible. Sadly, the growing importance of social interaction occurs at a time of life when people are most vulnerable to isolation. Deteriorating health, decreasing traditional support systems, the increasing independence of younger children and relatives and cynical expectations about aging merge to bring about loneliness and depression, which lead to accelerating health decline, and so forth. This is not necessary.

Those who are dealing with these symptoms of aging are the least capable of assisting themselves to break free of the cycles that will inevitably take away the potential for a great quality of living. It is critically important that those who care for and about them intervene, if necessary, to disrupt the cycle of aging, isolation, depression and physical decline. This is not always easy in a community that values self-sufficiency and non-interference. However, if we value our aging populace we must admit that they are not as independent as they were, or as they think they are, or as they would like to be. We must find new ways to help them preserve their socialization opportunities and, thus, their memories. There are many ways to address the problems of aging and memory. Technology is one such means, and social resources can offer many others. Nonetheless, it is quite likely to be up to those of us who owe them so much to pay it back by considerately nudging them back into society when we see them slipping away.

For more information on this and other topics of interest to senior citizens, see our website Going Strong Seniors!
For recreational and entertainment opportunities see Senior Fun!
Want to know more about aging, memory loss and brain health?  Click the link!

Making Life Better For Seniors In Phoenix With Home Care

Phoenix is the capital of the U.S. state of Arizona and the fifth most populous city of the United States. It was founded near the Salt River in 1868. It has become a major financial, industrial, transportation and cultural center of Southwestern United States.

While Phoenix has big public library, Chase Tower, the tallest building in the state and long native American heritage, it does lack better non-medical senior care and personal care services for its large population. There are hundreds and thousands of elderly people in Phoenix who need assistance to live a better life.

As the members in family grow older their grown up children find it taxing to take care of them. It leads to friction at home at a time when aging parents need most support and understanding in this phase of their lives. A better option to help aging members in the family is to provide them with senior care. Home care Phoenixcity’s seniors need, can come from companies who provide services for senior care as well as personal care.

Ailing or physically weak elderly persons require highest level of compassionate personal care. Skilled, loving, caregiver Phoenix individuals can be of great help to make a difference in lives of these senior people. Providing personal care and living assistance to elderly people is a noble service and many companies are coming forward to render it to the masses in Phoenix.

Seniors who like to stay at home instead of spending days in retirement homes can be provided in-home personal care service. They can be renedred assistance in doing their grocery and shopping, cleaning home, cooking meals and driving them to community activities. In case of illness some caregiver Phoenixor senior care service provider can take them to doctor or hospital for treatment.

Senior people love to be at home where they have spend years and like to be near their family members and friends. At home senior people need companionship, particularly when their adult children are working, or out of city. Personal care providers take care of mechanical routine of cooking food and cleaning house. They provide companionship and keep them fit by taking them to daily walk. Senior care service providers also keep elderly people alert by reading to them about daily news and TV sitcoms.

Senior homecare Phoenix is not an easy task. It requires tons of patience, skill and physical strength which can be rightly provided by caregiver Phoenix alone. Although in-home senior care costs money, its benefits cannot be matched with cash value.

Senior care provider or personal care provider take care of following chores daily.

Preparing special meals on time, feeding them, giving bath, dressing, taking them to doctor, giving medicine, cleaning and dusting, laundry, shopping for their needs playing and reading for them and taking care of pets.

In-home care enables you to go to your work without worries while making lives of your seniors better and more comfortable.

Understanding The Roles Of Formal And Informal Caregivers

Formal caregivers are typically paid providers but they may also be volunteers from a government or nonprofit organization. Where care is being provided in the home there is often a mix of formal and informal care provided. And the trend is towards using more formal care since, unlike the past, more informal caregivers are employed.  They choose to remain employed but must juggle limited time between caregiving and maintaining a household and a job.

These added responsibilities often make it necessary to hire non-medical home care aides to provide supervision and help when the primary caregiver cannot be present. Or as adult day services become more common, caregivers may pay for this form of formal caregiving to get rest or to allow for maintaining some employment.

 

When care is no longer possible in the home, then formal caregivers come into play on a full-time basis. This may be in the form of a congregate living arrangement, assisted living, a continuing care retirement community or a nursing home. It is at this point that long term care can have a significant impact on the finances of the care recipient and a healthy spouse living at home. 

Care facilities are quite expensive and the cost for maintaining a spouse in such a living arrangement may rob a healthy spouse at home of an adequate standard of living. It’s quite possible the healthy spouse may end up with food stamps and subsidized housing where, before the need for a care facility, this may not have been the case.

Or it is more often the case that the couple recognizes this dilemma of splitting living arrangements in two locations and an attempt will be made to keep the spouse needing care at home as long as possible. This may help with the finances but often results in destroying the physical and emotional health of the caregiver by creating a situation where the caregiver has difficulty coping with the responsibilities and physical demands.

Another reality of providing informal care services in the home is the increasing need for physical and emotional support that often goes unrecognized until too late. As care needs increase, both in the number of hours required and in the number or intensity of activities requiring help, there is a greater need for the services of formal caregivers.

Unfortunately, many informal caregivers become so focused on their task they don’t realize they are getting in over their heads and they have reached the point where some or complete formal caregiving is necessary. Or the informal caregiver may recognize the need for paid, professional help but does not know where to get the money to pay for it.

Other members of the family should be aware of this burden and be prepared to step in and help their loved one who is providing care recognize the possibility of becoming overloaded. It is also the job of a care manager or a financial adviser or an attorney to recognize this need with the client caregiver and provide the necessary counsel to protect the caregiver from overload. The advisor can also likely find a source for paying for formal care that the caregiver may not be aware of.

An overloaded caregiver is likely to develop depression and/or physical ailments and could end up needing long term care as well. The consequences of not being able to cope with the burden of caregiving might even result in an early death for the caregiver.

Barriers And Benefits Of Promoting Independence In Older People

Introduction

Society, health practitioners and administrators all have differing opinions about promoting independence among older people, more so because this category of people has a wide range of health and social needs. The essay shall look at this in the perspective of the family, service providers and older people themselves.

Contemporary issues associated with supporting independence in older people with complex health and social needs

The issue of finance is a particularly challenging one when trying to promote older people. This is because most older people have surpassed retirement age a long time ago and may not have the ability to take care of their complex health or social needs. This is why stakeholders such as health administrators and the federal government have been looking for ways of financing such projects. In the year 2006, US the government attempted to modernize the older people’s Act. This was done by providing a total of four billion dollars in order to assist in promotion of their independence. Additionally, the federal state was also able to look for half a million volunteers who help in proving older people with some of the issues that they needed. The same concept can be transferred to Australia. (Koch & Garratt, 2001)

The issue of day care services usually crops up when talking about older people. However, in order to promote independence, it is necessary for older people to delay joining nursing homes. This is so because of the fact that some older people enter into nursing homes at an age where they can still manage on their own. It therefore becomes an avenue for wastage of resources. Besides this, it also makes older people feel that they always need help around them even when tasks are relatively simple to fulfill. (The Department of Health and Ageing, 2005)

Another trend in the promotion of the independence of older people with health and social problems is the issue of counseling. Older people need to be led on how to cope with their health or social problems. The country has numerous counseling forums for the older generation. This can be found in health care institutions, it could also be found in palliative services or specific counseling centers. The purpose of counseling is to direct older people on how to manage their health complications independently. In close relation to this trend is emphasis on prevention. Health facilities and older people’s programs have realized that most of the health complications that older people are undergoing can be prevented. This can be done by avoiding unhealthy habits such as drinking, smoking or eating unhealthy foods. However, the prevention measures usually work for those older people who have not registered any health complications in the first place. Prevention can be seen as long term strategy where less older people are taught about having behavioral change. These programs usually focus on the following issues

Nutrition
Exercise
Prevention of falls
Management of chronic diseases on an individual basis (Eliopoulos, 2005)

Evidence shows that those areas that have adopted such low –cost preventive measures have recorded positive outcomes. These include the improvement of quality of health care among the older people and reduction of the cost of health care met by older people.

Another emerging issue about the promotion of independence among older people is the involvement and cooperation of differing groups. For instance, senior citizens homes are directly involved in promoting independence. They may work with religious-based organizations. It is also possible to find that most of these groups usually collaborating with senior housing initiators and nutrition related centers. (The Australian Pharmaceutical Advisory Council, 2002)

Importance of intra and inter disciplinary care in supply and promotion of independence in older people

Inter disciplinary care is imperative to the promotion of independence among the older generation. The first area where this can be applicable is in the preventative programs. For instance in the UK, some clinics have been trying to promote independence among older people using this approach; they usually get a variety of professionals who talk to older people about lifestyle changes. The same concept can and has been transferred to Australia. Here, service providers can conduct physical check ups such as weight checks, blood pressure checks, minor dressing and other small tests. Police on the other hand can play their part by advising older people about how to avoid injuries in the home. A substantial number of health complications among older people are caused by this careless mistakes. On top that, even the fire department can intercept and inform older people about safety in their homes. Besides this, health practitioners can collaborate with transport providers in order take services to the community. This can go a long way in ensuring that the respective senior citizens have the assurance and guidance they need to control their health and also to receive reassurance. (Chiva & Stears, 2001)

Interdisciplinary care is also necessary in the financial aspects of care. Some older people may need access to funding for medication while others may need it for transport among other things. The country has numerous benefits under different disciplines. It therefore becomes very difficult for the senior citizen to access all these benefits at once. As matter of fact, some older people may suffer silently without getting all the funding that they are entitled to. It would therefore be more effective if a number of disciplines worked together to provide funding hence helping the older generation in maintaining their independence. (Heywood et al, 2002)

Intra disciplinary efforts are particularly useful owing to the fact that each discipline can get a chance to focus on the needs of the older person. This means that older people get special attention and may get a chance of pursuing their independence through specialized support. For instance, when representatives from the health sector work together, then they can come up with the most efficient mode of supporting the older generation. Additionally, professions within the transport sector can collaborate to provide senior cities with their specialized modes of transport. Also, the housing sector can also come together and look for ways of renovation older people’s home. This can go a long way in enhancing their independence because they will have solid support from different parts of the social or health environment.

How different models of care (acute, rehabilitation) can influence quality and outcome of care provision

Care may be implemented through a series of methods. For instance, when care is implemented through acute systems, then little emphasis is placed on the older person as a special group; that is, he is merely considered as a patient. However, when care is implemented through specialist programs, then chances are that older people can attain some form of independence in their lives. This is because their ailments are attended to with specific attention to their needs. (Davis, 2006)

Benefits/barriers to promoting independence in older people

Promoting independence at home has numerous benefits. Fort of all, it promotes netter health. This is because one realizes that they are responsible for their own health and will be more inclined to take care of it that if they were in a nursing home here someone else can do it for them. Besides this, promoting independence among older people also improves the quality of their social lives. They can get a chance of enjoying their old age rather than sitting around and waiting for help. A number of independent programs usually encourage socialization through any of the following

Cooking lessons
Computing lessons
Making cards
Painting
Card painting

All these activities are taught to senior citizens when they are in groups. Usually, the atmosphere chosen for socialization is quite relaxed and most of them consider is as fun time activity. (Killick & Allan, 2001)

One of the barriers towards promoting independence among older people is the perception carried forward by health professionals. Many nurses and doctors alike tend to neglect older people. This is because they assume that their medical conditions have been brought on by their age and that this is just a natural progression in life. Actually, most care providers assume that older people may be approaching death soon. This makes them a second consideration (after younger patients) during the treatment process. Another impediment to promotion of independence among older people is related to the lack of advice from the latter health practitioners. Most medical professionals usually focus their energies advising younger people to avoid junk, do exercise etc. Very few of them advice the older generation on how to prevent health related complications. Consequently, they end up leaving the older generation with these problems and this severely undermines their independence. (The Department of Health & Ageing, 2004)

Families may also be barriers to independence of older people. When older people gain their independence, they usually go to their relatives or the children to stay with them. When these children have families of their own, they may consider the older person as an impediment to their progress. They feel as though their older parents are interfering in their family affairs and this causes tensions. Consequently, most of them end up sending their parents to nursing homes where they are quite dependent. (Miller, 2004)

Conclusion

Promotion of independence among older people is possible and necessary for the attainment of better quality of life and also for prolonging their lifestyles. Inter and intra disciplinary care is necessary and so is good-will from family members.

Reference:

Chiva, A & Stears, D (2001):  Promoting the health of older people; Open University Press

Heywood, F. et al (2002):  Housing and home in later life; Open University Press.

Eliopoulos, C. (2005):  Gerontological nursing; Philadelphia: Lippincott & Wilkins

Davis, S (2006): Rehabilitation: Use of theories and models in practice; Churchill Livingstone, Edinburgh

Koch, S & Garratt, S, (2001):  Assessing older people: a practical guide for health professionals; Maclennan and Petty

Killick, J & Allan, K (2001):  Communication and the care of people with dementia; Open University Press

Miller, C.  (2004): Nursing for wellness in older adults: Theory and practice; Lippincott Williams & Wilkins

The Department of Health and Ageing (2005): Quality assurance in transition care, retrieved from

http://www.health.gov.au/internet/wcms/publishing.nsf/content/ageing-transition-guidelines.htm~ageing-transition-guidelines08.htm accessed on 23rd Aug 2008

The Department of Health & Ageing (2004): Guidelines for a Palliative Approach to Residential Aged Care, retrieved from

http://www.health.gov.au/internet/wcms/publishing.nsf/Content/palliativecare-pubs-workf-nav.htm/$FILE/navall.pdf accessed on 23rd Aug 2008

The Australian Pharmaceutical Advisory Council (2002):  Guidelines for medication management in residential aged care facilities; Australian Government Publishing Service, retrieved from

http://www.nmp.health.gov.au/pdf/resguide.pdf accessed on 23rd Aug 2008

Socialize for Better Memory and Mental Health

Does it make sense to be  more  involved and have a more active social life as we age?  Yes it does.  Being more engaged socially  appears to delay memory loss as we grow older, a new study has shown.

 

The finding, which appears in the July issue of The American Journal of Public Health, suggests that strong social interaction, through friends, family and community groups can enhance our brain health as we age and that social isolation may be an important risk factor for cognitive decline for old folks.

 

Researchers at the Harvard School of Public Health used data gathered from 1998 to 2004 from the Health And Retirement Study, a large, nationally representative population of American adults aged 50 and older.

 

In the study, participants took memory tests at two-year intervals during the period.  Testers read a list of 10 common nouns to survey respondents who were then asked to recall as many words as possible immediately.  They did so again after a five-minute delay.  The researchers also measured social integration based on marital status, volunteer activities and contact with parents, children and neighbors.

 

When the results were analyzed, it  showed that people in their 50s and 60s who were involved  in a lot of social activity also had the slowest rate of memory decline.  In fact, compared to those who were the least socially active, study subjects who had the highest social integration scores had less than half the rate of memory loss.  The researches looked at age, gender, race and health.

 

It was interesting that those who had the least number of  years of formal education appeared to have he most to gain from an active social life as they aged.  The study showed hat the protective effect of social integration was greatest among individuals with fewer than 12 years of education.

 

“The working hypothesis is that social engagement is what makes you mentally engaged,” said Dr Lisa F Berkman, the study’s lead researcher and director of the Harvard Center For Population And Development Studies.

 

“You can’t sit and withdraw if you’re constantly talking and working on things and figuring out problems in your daily life.  It’s not just completing a crossword puzzle, it’s living your life.”

 

Hopefully, the results will change the mindset of those who are put in a position to care for an elderly family member.  There are many people who erroneously believe that just being there to give moral support to an aged person is enough.  But people need to understand that aged people need to be more socially engaged to reap the rewards of good mental health.  Old folks need to be encouraged to get involved more socially and engaged at a level that is meaningful both for the individual and the group or community they are involved in.

 

Such involvement by aged people in a community or group can reap similar memory benefits as engaging in a memory training or using memory techniques to enhance learning and memory skills.  It is also definitely more meaningful and has an added side effects – contentment, greater self-esteem, optimism and overall greater self-confidence.

 

“A lot of people, when they think about the elderly, focus on social support … things like what can I do for my elderly mother,” Dr Berkman said, “But having someone to count on is not what we’re measuring.  It’s not about support it’s about being completely engaged and participating in our society.”

 

What was notable about he study is that participants didn’t have to be married to or surrounded by extensive family to receive the protective effect of social engagement.

 

“You don’t have to have friends if you have family.  If you don’t have family but you have friends, that’s good.  If you volunteer to civic organizations that can be a substitute,” Dr Berkman said.

 

“People don’t have to have all of these things.  They just have to have some breadth and diversity in the kinds of networks and ties they have in a community.”

Providence Downs South in Union County, North Carolina

Providence Downs South in Union County, North Carolina is a beautiful and exquisite gated community. This luxurious community will include large estate style lots and houses built by some of the area’s leading custom home builders.  Home architectural guidelines are in place to ensure that proper homes will meet the overall theme of the neighborhood.  Precautions have been taken to keep the land in its pristine state. And to further protect the value of this community, certain subdivision deed restrictions apply, designed to assure the quality of the natural environment for years to come.  Each individual property is unique and must be visited in person to truly appreciate

What’s the first rule of Real Estate?  Location, Location, Location.  Providence Downs South in Union County, North Carolina is conveniently located minutes from cultural attractions, local events, entertainment establishments, shopping, hospitals, and fine dining.  This area has become famous for its quality lifestyle and family friendly activities fit for all ages. From museums to shopping, there’s something for everyone to enjoy and explore.  North Carolina has many major metropolitan areas throughout the state. The largest cities include the Charlotte Area (Cornelius, Mooresville, Huntersville, Davidson, Denver), Raleigh Area (Durham, Chapel Hill, Cary, and Apex), Asheville, Wilmington, Hickory, Burlington, Salisbury, Greensboro, Winston Salem, and High Point.  Wherever you live, you’re a short distance to a major metropolitan area.  Why is NC #1 on many people’s short list to live?  All of the reasons above plus a Better Climate, Lower Taxes, Lower Cost of Living, and Southern Hospitality.

Charlotte Luxury Communities is not just a financial investment – but also an investment in your family, your future, your enjoyment, and your peace of mind.

About Charlotte Luxury Communities – If you’re looking for property in the Charlotte area in North Carolina, you’ve come to the right place: Charlotte Luxury Communities. We work with many developers throughout the area to help families, like yours, find just the right property. We are committed to creating places where the wonders of nature combine with everyday life.  Our professional staff will provide a pressure-free experience and guide you through the process of purchasing property.  Our reputation for service and attention to detail are clearly evident both during and after the sale.  We assist buyers in finding a primary, vacation, or retirement place. Some of the amenities in subdivisions we work with include:  Gated stone entrance, walking trails, fitness center, tennis, swimming pool, lazy river, spa, hot tub or whirlpool, and so much more!

You could spend a lifetime exploring all that North Carolina has to offer.  Some of the types of beach, lake, and mountain properties in North Carolina include: 55+ or Active Adult, Coastal, Private and Gated, Land Conservation, Luxury Condominiums and Townhomes, Million Dollar, ocean front, and Resort communities.

For more information on properties in Charlotte, North Carolina, contact Charlotte Luxury Communities at www.charlotteluxurycommunities.com, rich@ebrcorolinas.com or 704-582-2096 and we’ll help you find that ideal house or lot.  Information provided by Rich Talbert – Sales and Marketing at CharlotteLuxuryCommunities.com.

Providence Downs in Union County, North Carolina

Providence Downs in Union County, North Carolina is a beautiful and exquisite gated community. This luxurious community will include large estate style lots and houses built by some of the area’s leading custom home builders.  Home architectural guidelines are in place to ensure that proper homes will meet the overall theme of the neighborhood.  Precautions have been taken to keep the land in its pristine state. And to further protect the value of this community, certain subdivision deed restrictions apply, designed to assure the quality of the natural environment for years to come.  Each individual property is unique and must be visited in person to truly appreciate.

What’s the first rule of Real Estate?  Location, Location, Location.  Providence Downs in Union County, North Carolina is conveniently located minutes from cultural attractions, local events, entertainment establishments, shopping, hospitals, and fine dining.  This area has become famous for its quality lifestyle and family friendly activities fit for all ages. From museums to shopping, there’s something for everyone to enjoy and explore.  North Carolina has many major metropolitan areas throughout the state. The largest cities include the Charlotte Area (Cornelius, Mooresville, Huntersville, Davidson, Denver), Raleigh Area (Durham, Chapel Hill, Cary, and Apex), Asheville, Wilmington, Hickory, Burlington, Salisbury, Greensboro, Winston Salem, and High Point.  Wherever you live, you’re a short distance to a major metropolitan area.  Why is NC #1 on many people’s short list to live?  All of the reasons above plus a Better Climate, Lower Taxes, Lower Cost of Living, and Southern Hospitality.

Charlotte Luxury Communities is not just a financial investment – but also an investment in your family, your future, your enjoyment, and your peace of mind.

About Charlotte Luxury Communities – If you’re looking for property in the Charlotte area in North Carolina, you’ve come to the right place: Charlotte Luxury Communities. We work with many developers throughout the area to help families, like yours, find just the right property. We are committed to creating places where the wonders of nature combine with everyday life.  Our professional staff will provide a pressure-free experience and guide you through the process of purchasing property.  Our reputation for service and attention to detail are clearly evident both during and after the sale.  We assist buyers in finding a primary, vacation, or retirement place. Some of the amenities in subdivisions we work with include:  Gated stone entrance, walking trails, fitness center, tennis, swimming pool, lazy river, spa, hot tub or whirlpool, and so much more!

You could spend a lifetime exploring all that North Carolina has to offer.  Some of the types of beach, lake, and mountain properties in North Carolina include: 55+ or Active Adult, Coastal, Private and Gated, Land Conservation, Luxury Condominiums and Townhomes, Million Dollar, ocean front, and Resort communities.

For more information on properties in Charlotte, North Carolina, contact Charlotte Luxury Communities at www.charlotteluxurycommunities.com, rich@ebrcorolinas.com or 704-582-2096 and we’ll help you find that ideal house or lot.  Information provided by Rich Talbert – Sales and Marketing at CharlotteLuxuryCommunities.com.

Online dating for nudists

Not to be confused with an adult dating site, a nude dating site is for groups of men and women to come together online to expand on their existing nude social communities that already take place offline. To become a member of one of these dating sites, you are required to undergo a rigorous application before being accepted. This process is to ward off any un-savory people that may mistake a nude dating site for a sex site – Yes there is a big difference.

Nude communities have regular social gatherings just like non-nude groups of friends. The nudies have BBQs, play tennis, go to the gym, go swimming, go to Yoga etc etc. The main and of course major difference between the two groups is that the nudist group attend these regular social events completely, utterly and un-mistakenly naked!

Most of us have seen or heard of nude beaches. By law, nudists must visit certain designated beaches so as to not integrate their nudism into main stream society, fair enough! But these nudies also congregate in other pre-arranged social locations. My dear old Nana, before she passed away, used to live in an over 55s retirement village directly opposite a fitness centre. The owner of the fitness club just happened to be a nudist and would host private gym sessions for nudists after the gym closed to the general public. This became common knowledge around the local area , and the poor old dears at my Nanas retirements village were totally shocked and bewildered as you can imagine.

If you are searching for a genuine partner who also likes to nude it up 24/7 and has a genuine desire for this lifestyle, search online for a nudist online dating site and become involved in loads of activities being hosted every week by nudist groups. It’s a great way to expand on your current resources.

Nudist online dating singles sites are owned and run by nudists and they know first hand about the importance of protecting your privacy when you join. To be on the safe side, spend some time reading their terms and conditions, and try to find member reviews and recommendations.

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