A Quick Home Sale To Start The Rest Of Their Lives
Leon and Maggie Cooper-Smith were just over 60 when they retired, or at least they thought they did. They bought a charming thatched cottage on the Norfolk Broads, thinking they would be able to pay it off with cash from their pension plan. But the economy went sour and so did their pension plans, leaving them with 40 percent less than what they had expected.
So they opened up their home as a bed and breakfast to supplement their retirement benefits.
“I started working at 16, and I thought I’ve done enough,” Leon, who is now 72 years old, told the BBC.
“You do want to retire and do want to have some fun during the final active years that you’ve got.”
The Cooper-Smiths are not the only people of retirement age who have been affected by the recession and have had to find ways to continue to fend for themselves. The government’s care system for the elderly has also taken a toll – an estimated 6000 elderly with intensive needs and 275,000 with less intensive needs do not receive formal care.
As a result, more and more are cashing in on the value of their homes to raise enough money to be able to look after themselves in old age. Those who own homes usually turn to equity release providers. But they will not just hand you the cash, there is usually an early repayment charge, which can go anywhere from five to 25 percent and may apply to just the original loan or to any accrued interest.
If the early repayment charge, together with the existing mortgage, is too high, then you may not be able to afford even a move to a smaller decent house. It may even prevent you from transferring to an alternative plan or provider.
Fortunately, retirees now have someone else to turn to. If they need to make a quick home sale, whether it’s because they need the cash for urgent medical needs or they need to be able to pay off their mortgage to be able to fully enjoy their retirement years, they can sell to cash home buyers. They are all over the United Kingdom and on the Internet, it’s really simple to get in touch with them.
When they sell to cash buyers, there are no estate agent, legal, or repayment charges from the time they are made an offer to the closing of the sale. There’s even an option to sell and then rent back for a fair and reasonable price, if they choose to spend the rest of their lives in the same house. Too good to be true? Well, cash home buyers will purchase your home slightly below the market value, but with the ease and speed at which you will be able to get your hands on much-needed cash, you can actually be avoiding potential losses due to delay.
But a “sell my house quick” scheme is not just for retirees. It could be for anyone needing to sell their house fast – those who are going through divorce, for instance, or relocating for a new job, or can no longer afford to refinance. This is also especially true for another age group, the young adults or those who are just starting to build their lives.
While previous and some existing borrowers may have lucked out on enjoying low interest rates, impossibly high interest rates are affecting new home buyers’ ability to take out a loan. Add to that the fact that banks, despite billions of pounds of taxpayers’ money support, are tightening lending. In fact, according to the British Bankers Association, only 1000 mortgages a day were approved in July; figures were double that before the credit crisis hit.
But again, taking out a bank loan or refinancing is not the only solution, especially when you already own a house. Much like retirees, young adults when starting a new chapter in their lives, if they need quick cash for whatever reason, they can sell their property to cash home buyers, solve their financial troubles, and look forward to a long bright future ahead.
Aging, Elder Care, and Senior Retirement Centers
There was a time, not that long ago, when a senior citizen could plan on living with an adult child as the years took their relentless toll. Now senior retirement centers are popping up seemingly everywhere.
It’s a good idea to take a look at why these changes are taking place and how each of us can best fit into this new pattern of elder care.
The most glaring difference today is the prevalence of working women. Even a few decades ago, a full-time homemaker often had the time and energy to care for an aging parent in her own residence. Many homes boasted a “mother-in-law” apartment in the basement, over the garage of somewhere else on the premises. In many economic, social and religious groups it was a matter of pride to “care for one’s own”. In addition, there were few really appealing options beyond that ethic.
The reason there are so many senior retirement centers today is not just the lack of wives at home to take on the responsibility of geriatric care, there is also a preference surfacing in the seniors themselves. No matter how welcoming the environment is, a private home usually doesn’t offer the stimulation and peer relationships that the new senior retirement centers are providing. Many seniors frankly want to choose their own support-oriented residence.
If incomes are high enough, savings are adequate or HUD and Medicaid benefits are available, it can be a win/win situation. Full calendars and new friendships can replace the isolation that living in another person’s home can produce. Even the most loving adult child is usually busy with the demands of a full life of his/her own. What can ensue is mutual independence.
Not all senior retirement centers are supportive. Careful investigation needs to be done to find a match. However, the rewards that come from putting some serious time and effort into the search can be great.
As this cultural change develops, a surprising factor is surfacing. At one time, the dread of making such arrangements kept seniors from moving on until it was absolutely necessary. What we are starting to observe is a trend involving seniors moving into these new facilities earlier out of choice. Enthusiasm is replacing fear and years of active, support-oriented living can be the unexpected bonus.
Those who doubt the wisdom of selling their homes and moving into a senior retirement center are visiting friends who have made just such a choice. They often find that the pros outweigh the cons. As the new centers appear, competition is emerging and the units, amenities and perks become increasingly attractive. It’s getting to be a “don’t knock it if you haven’t tried it” situation with positive results.
Six Reasons for Retirees to Consider an Upscale Adult Mobile Home Community
If you’re retiring and wanting to downsize your living arrangement, a mobile home park may not be on your list of areas to check out. Mobile home parks sometimes conjure up images of dirty streets and cluttered yards – not anywhere a person who is house- and community-proud would want to live. However, mobile home parks are changing to meet the demands of a growing demographic who want quiet, well-maintained communities where they can live in peace. Due to this transition, here are six great reasons to consider an upscale mobile home community:
1. Affordability
Mobile homes are affordable, with a low initial cost and upkeep. The park usually takes care of major area maintenance, leaving you to care only for your home and its immediate environs. This means that you have to spend less time, effort and money paying for and keeping up your home. Spend your money on your hobbies or travel! The bonus of the new wave of mobile home ownership by the well-to-do means that a mobile home in a luxury resort is a good investment for your money.
2. Luxury
Did you just see the word, “luxury” in regards to mobile homes? Yep. The demand for more upscale housing has turned the entire mobile home industry around. Today’s modern homes look like luxurious houses instead of boxes on the outside. On the inside, plush carpeting, hardwood floors, modern fixtures and spacious designs make these homes very comfortable residences. New laws concerning mobile home construction are also changing the design of these dwellings into buildings with solid construction of quality materials. The face of adult-oriented mobile home parks, too, is changing, with many being designed to meet the needs of active retirees by installing swimming pools, fitness complexes, clubhouses, community center activities and other desirable amenities.
3. Appearance
It’s hard to watch unmaintained houses and messy yards in your neighborhood give it a trashy appearance and lower property values. This is especially difficult if you have worked hard to keep your property clean and your house in good repair. One of the attractions of a luxury park is that there is maintenance of the grounds and rules about the appearance of the properties. Generally these rules are reasonable and serve to make the appearance of the park a pleasure for all who live there.
4. Quiet
Let’s face it – most people love and have raised kids, but sometimes they want to live in a quieter environment. Living in an adult community means that you don’t have to wake up to the chatter of schoolgoers in the morning. This doesn’t mean that you can’t have your grandchildren over to visit; it means that when they go home, you can relax and reflect on the sweet sound of silence. That and not tripping over rollerblades outside are definite benefits to adult communities that many people appreciate!
5. Security
Many upscale mobile home parks are gated, but this is not the only reason that they are more secure. Smaller communities, especially those formed for people of similar interests and goals, are closer knit than today’s sprawling collections of houses. People are more likely to notice if strangers hang around or if suspicious activity is going on. They are also more likely to be proactive by confronting suspicious people or calling the police. Crime is low in these communities, due to the lifestyles of the people who move here.
6. Community
It’s wonderful to live where you know your neighbors and share interests. A specially-designed mobile home park allows these connections to be made easily and swiftly. With many quality mobile home communities investing in social centers for their residents and group activities, it’s easy to stay active and interested in your community and make new friends. Community is something we can all appreciate and benefit from and choosing a community that encourages community spirit is an excellent way to support this.
If you are looking for the above amenities in your next home, try visiting an upscale mobile home park. Mobile home parks are changing to meet the needs of people who want more from the communities they invest in. Upscale parks are challenging the stigma of the term “mobile home park” with quality residences and standards that uphold community values. You may be pleasantly surprised with what you see.
Baby Boomers: Changing The Face Of Retirement
“Old age” was never in the vocabulary of the boomer retirees. They live under a creed of despising the aging process throughout their history. Born as activists questioning everything, they combat inevitable aging and dispose antiquated retirement concepts embraced by their parents. Instead, boomers give more attention on how they are going to lace up rollerblades, download in their iPod’s, or skate into sophisticated, hip energetic adult communities. They called this as lifestyle communities created all over the country to cater to their whim.
The previous architecture director of Del Webb Corporation, Bill Parks foresees that the approaching great numbers of boomers retirees would delight and bewilder many developers. For a less period of time, adult communities will be springing up meeting the needs of active adults.
There are over 1,200 adult communities all over the country and some are on the stages of planning. The underlying purpose of building such communities remains constant. To give a place for empty nesters to rationalize after their kids leave them. The location, ambiance, size, and amenities are great, too far from what had already existed.
Home builders consider this as a very big trend. The senior housing councils for the National Association of Home Builders, Jeff Jenkins, announced that after the first set of age-qualified boomers availed more than 55 communities, it staggered the impacts since 2001. Boomers aged 55 years old and above accounted for about 1/5 (207,000) of the 1.1 million purchases of new homes in 2003. The adult active market accounted for approximately 51 billion dollars of sales in new homes. This is the main reason why adult communities are springing up in all places.
The generation of World War II in fact invented the retirement standard of living in various ways. They outlived their work and accumulated significant wealth to enjoy their golden years. Their prospective places are Florida, California and Arizona due to its sunny weather with a handy golf course and pool and a country club or community center where they could establish their new social functions.
However, the boomers have a different viewpoint according to the CEO and founder of ICAA (International Council on Active Aging) Colin Milner. ICAA is an adult active advocacy organization in British Columbia, particularly Vancouver.
Baby boomers have acquired so many life experiences that will soon be reflected in their adult communities. The only difference is that they have adopted what they have learned. Take for example fitness issues. Boomers parents didn’t incorporate fitness in their lifestyle considering it as a boring routine. So, the entire exercise trend was started by the baby boomers. It is not a turnoff for them because they have accessed it throughout their lives. Therefore, adopting it in their adult communities as a part of their lifestyle is not a big deal. Developers are creating adult communities reflecting their rich baby boomers history.
The major difference between the retirement villages of the first generation and adult active communities is location. Numerous surveys reveal surprising results. 2 out of 3 boomers wanted to live 100 miles away from where they lived and worked. The reason that motivated boomers to moving further does not mainly lie on the type of weather. But they chase their friends and family who have transferred in that location.
The phenomenon called as stay-at-home caught some developers off guard. They never realized that one day the resort-style adult communities near main urban centers will become lesser in demand. The Midwest and Northwest location was once the best seller. During the mid-90s one half of such communities are situated in Sunbelt. Washington D.C is not a very popular retirement location however there are dozens of adult active communities available wherein some people never believe it is possible. Today, three fourths of these communities are not within Sunbelt anymore. The price ranges 150,000 dollars and above for a town home having two bedrooms and two baths.
The boomers generation has been separated from its Me Generation. For ill or good, the history’s largest generation changes the faces of everything on the path they once lived. They exchange health care from entertainment, investing from childbirth, and education from fitness. It will hold no surprise that boomer retirees will reinvent the entire retirement village. Boomers regardless of their age still continue to make changes.
A Business From Home Can be an Awesome Internet Job Opportunity
Home Based Businesses
If you are a single parent, a mom or dad wanting to present for all the growth milestones of your kids, or a retired couple and you are looking for a decent supplemental income, a business based out of your home can be a wonderful job opportunity.
As a single parent myself, I am no stranger to how hard it is to make ends meet. Especially for special occasions and birthdays, preparing for the new school year, and during the holiday season, that almighty dollar just can’t cover the necessary budget. I’ve also been a single parent juggling two jobs so I can pay the rent, and an expensive car repair comes out of nowhere, just when I thought I was finally getting caught up on the bills.
Thankfully, for me and my family, I’ve been blessed to learn how a home business can be a terrific opportunity. Today, as opposed to going to work all day, and going to a night job, I have got one career, which I accomplish using a laptop and my recliner. Today, rather than missing my kids’ whole day, and finally coming home just before bedtime, I can attend special school activities, be home when they get off the bus, and have the privilege of spending priceless time with children who will soon be grown and gone. On top of all that, one job is adequate to pay my bills. I have the best of both worlds!
Another great reason for starting a home business is the ability for parents to provide supplemental income for their families and home school their children if they desire. As a teacher and parent, I am keenly aware that schools today just aren’t the same as they were when I was a child. All too often, getting an education now includes terrorist drills, lock downs, and children with zero regard for anyone, let alone their classmates.
Thus, there are a lot of parents who have made the choice to provide their children with a high quality education at home using virtual classrooms, one-on-one teaching, or correspondence. While kids are getting their homework done, mom or dad can successfully run a home based business. This is a good way to do things since the expense of providing the resources necessary for home schooling and raising kids often necessitates two incomes.
There are a lot of parents that make the decision to operate a home based business so they are around to see their kids grow up. It is so sad when Mom and Dad have been waiting for the first steps, the first words, or the first tooth, and a sitter gets to be a part of such treasured and precious moments instead.
On top of everything else, moms and dads that work outside of the home have to give up a big part of their paycheck to a caregiver, which leaves far less available to actually improve the family’s circumstances financially. If you can do your work from home and still have awesome job opportunities, why should you miss out on all of the fun of having kids, and pay a lot of cash just so you can spend the whole day away from your most important treasure?
Although your children have left home long ago, retirement probably has left you with the need for an online supplemental income. No problem! If you’re able to type, have the Internet, and you wouldn’t object to spending a few hours a week bringing in a little extra money, a business based in your home can be a fantastic opportunity for retirees as well.
How much work and time you spend on your business will determine the amount of extra money you’ll add to your budget every month. Also, as long as you’re at the keyboard, there are always affiliate programs that can help you to find other passive income as well. You shouldn’t have to live your life without money, after you’ve worked hard all of your adult life.
A business from home can be an awesome employment opportunity, no matter your circumstances at home, senior age, or financial circumstances. A business based out of your home can mean an income that is large enough to provide all financial needs, or more money to supplement the budget. The outcome of your business from home is based on the work and time you choose to spend in taking full advantage of a wonderful online job opportunity.
Best Management And Monitoring Of Elders By The Caring For The Elderly At Home Palm Springs
We have become all too familiar with elder companies as Caring for The Elderly at Home Palm Springs. Families in the United States usually move their elderly loved ones to a Caring for The Elderly at Home Palm Springs for a long-term or permanent rehabilitation service. However Caring for The Elderly at Home Palm Springs provides assisted living facilities were born giving the elderly and their families a better option. Assisted living facility given by Caring for The Elderly at Home Palm Springs is referred to different names in different states. It is also known as senior housing while other states refer to Caring for The Elderly at Home Palm Springs as retirement living home, adult living facility, elderly care housing, among others.
Caring for The Elderly at Home Palm Springs is a skilled care facility for senior citizens who need 24-hour medical attention. Caring for The Elderly at Home Palm Springs is for elderly with chronic medical conditions who needs and requires round-the-clock skilled care, long-term attention. Caring for The Elderly at Home Palm Springs is also for short-term recovering patients after being discharged from the hospital.
On the other hand Caring for The Elderly at Home Palm Springs is also for seniors who cannot independently live in their homes, who need assistance in their daily living activities and would want to grow old in an environment that provides a warm, peaceful, and safe home environment with new and balanced lifestyle and socialization. Thus Caring for The Elderly at Home Palm Springs allowing them to nurture new friendships with other residents and subsequently improve their physical, mental and emotional condition.
Caring for The Elderly at Home Palm Springs typically provide room and board, meals, skilled nursing and personal care, and medication management services, and social and recreational activities for their residents. While senior housing at Caring for The Elderly at Home Palm Springs offers long term elderly care and assisted living guidelines which includes the following services: Care management and monitoring, help with activities of daily living, housekeeping and laundry, medication management, recreational activities, security, transportation, and two or more meals per day.
Caring for The Elderly at Home Palm Springs long-term people are being assisted in multiple daily activities such as bathing, dressing, eating, toileting, transferring in and out of chairs or bed, and the like. Caring for The Elderly at Home Palm Springs provides a secure environment and an array of services to meet the physical, medical, and social needs of their residents.
The Changing Priorities of 21st Century Retirement Living – Providing Choice Will be Key
Skiing trips instead of shuffleboard, laptops instead of feet on tabletops: Today’s retirees are playing and living under a much different set of priorities than previous generations. Words like choice, flexibility, fit and active are much more the 21st century vernacular than comfortable, relaxed and passing the time. Oh sure, today and tomorrow’s retirees still want to be safe and secure, but on their feet and on their own terms. Having a range of choices is now and will be a big part of the new face of retirement. So will health and fitness, which will better enable seniors to make those choices.
It’s no secret that more elderly are living longer and in better health than ever before. Boomers, the me generation, will continue to try to do things they’ve always liked to do, pushing the envelope as they go. A 2006 study in the American Journal of Psychiatry said the happiest retirees are those who have a sense of purpose and participate in activities they enjoy. According to Todaysseniors.com, retirement now is a liberating experience filled with options never before available because seniors are healthier and more active.
The retirement and senior living communities that provide and adapt to this changing scenario will thrive along with the retirees. One frequent choice that’s high on the 55 plus generation’s short list is having easy access to resources for staying fit. According to a recent cnn.com/health article, nine out of the 10 top builders in the U.S. are constructing active adult communities that typically will have 20,000 to 40,000 square-foot fitness centers. Aging expert Roger Landry says one of the secrets to aging successfully is to follow the adage “use it or lose it,†from both a mental and physical perspective.
Whether it’s a choice in lifestyle, healthcare, services, cultural programs or amenities, having options will be critical to the retiree and provider. Home ownership or rentals, active adult, independent or assisted living, CCRC or unbundled healthcare, dining options, and a lineup of diverse group activities are just several of the basics. Wireless cafes – older adults are the fastest growing group of Internet users – personal trainers, on-site banking and concierge service are just the tip of an array of evolving options.
For example, while the rental model now works for many retirees, a recent Australian study showed that seniors are attracted to buying homes later in life, as long as that house is in an independent living community. About 75 percent of the 1,000 seniors surveyed in the study said they would rather live in village setting than dorm-like assisted living, and 64 percent said they wanted to buy their own home in a community. A little over a third said they wanted to have their pets with them. And many so-called retirees want to keep on working, which will bring along a whole new set of choices.
Albeit there are and will be financial issues and challenges, but retirement living companies that make providing choices a priority will be in step with a growing number of the people they serve. “What are my choices?†This will be a key question asked by 21st century retirees from New Jersey to California and around the globe.
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Active Adult Communities Take the Forefront
We’ve heard it referred to as “the graying of America”, “the Baby Boomer tsunami” and “the pre-senior population”. Sociologists and others have been sounding a warning bell for years about the stresses that elderly and maturing Baby Boomers will put on an already stressed system. What they all failed to take into account in all their dire predictions is the fact that this generation is unlike any other that came before. More highly educated, more professional, more active and more diverse than previous generations, this generation has affected everything from the way new products are marketed to the way that new communities are planned and built.
Cherokee County, Georgia, located firmly in the heart of the Sun Belt, is one of the areas already seeing the effects of the maturing Baby Boomer generation. This generation is not so much aging as truly coming into its own, and new home construction in the Cherokee county area reflects that.
Among the most popular Cherokee County new homes are those that are located within some of Georgia’s most popular “active adult communities”. The term was coined to describe this generation, which sees retirement as a chance to spread their wings and truly enjoy all that life has to offer, and the active adult communities in the area are designed to make the most of Georgia’s beautiful weather, stunning scenery and sparkling social and entertainment offerings.
The active adult communities that make up a large portion of Cherokee County new homes are redefining what “retirement communities” are all about. Depending on the particular community, the available homes may include condominiums, detached single family homes, multiple family homes, luxury homes and more. Some are strictly for adults over the age of 55.
Others, recognizing the value of intergenerational community, include populations of all ages. Many are self-contained, with every possible amenity included within their gates. Others don’t even have gates, but have been planned to offer all the needed amenities – and many luxuries – within a few miles of every front door in the community.
The most popular new homes are those that feature a special “centerpiece” attraction. That centerpiece may be a world class golf course – or several – or a water park, a lake, a mountain preserve. Many offer the beauty and serenity of nature in surroundings that seem far removed from the city, but are in reality only minutes from downtown Atlanta, the South’s largest metropolitan area.
Those new homes offer the best of both worlds – serene surroundings for the spirit and access to all the sparkling amenities of a major metropolitan area. Those living in these active adult communities have access to wonderful entertainment venues, top dining establishments, museums and other cultural offerings as well as some of the best hospitals and medical care in the world.
The communities themselves are reminiscent of the private reserves of the so-called “rich and famous”. Residents have access to top-notch athletic and fitness amenities, including private and public golf courses, swimming pools and gyms. Most feature a full slate of activities geared toward entertainment, leisure and education.
Most Active Adult communities include a community center that offers regular activities and classes ranging from calisthenics to yoga, from art fundamentals to sculpture. Many have coupled with area universities and colleges to offer college level courses and degree programs, many of them conducted in the community at the community center.
Living in an active adult community offers many benefits and amenities, but there is one that is seldom mentioned – though it would be a major selling point to the very energy and environmentally conscious members of this generation. Planned communities like Lake Arrowhead are planned for to have small energy footprints.
Unlike the communities of twenty and thirty years ago, these communities are designed to combat the suburban sprawl that has led to so many environmental dangers. Instead, these communities are designed to be harmonious with their natural environments and to contribute to the Earth rather than taking away from it.
The Southern states are expected to see an enormous population increase in the pre-senior and senior communities, and new home builders are working to keep pace with the growing demand for communities geared to adults who intend to enjoy every moment of their lives in active play and activities. The new construction and scheduled new construction in the area includes a number of communities similar to Lake Arrowhead, where country living meets metropolitan convenience in a perfect marriage.
Active Adult 55 Communities Got It All!
Many people over 55 feel like they are living in a house that is too big or not properly laid out, has too much upkeep, or just does not provide them with the lifestyle they want or need. Adult communities are often a great compromise for individuals that still want to live on their own, but want to live in a community that will offer them fun as well as support from people their age.
Active adult communities are for households that have at least one member over the age of 55. Most of these communities offer low maintenance housing with one level living areas. A lot of these communities offer planned activities for socializing as well as access to the outdoors. Some of the adult communities offer condos, single-family homes, or even beautiful villa style residences. Some of the real estate is so beautiful that these active older adults will feel as though they are living in a resort!
Active adult communities are not hard to find at all. In fact, builders know that most active adults want to remain close to the city or town that they have been living in. Because of this they keep the communities right in or outside of major areas. For instance, in the Washington area there are several adult communities in Loudoun, and Prince William County. There are also other active adult communities being built in Dunbarton and Braemar. Having the community nearby will allow active adults to take advantage of the activities and lifestyle offered by such a community. It also allows them to continue with activities outside of the community as well as nurture existing relationships with friends and family.
The features will vary from community to community but a great example of what active adults will find in these communities can be seen in The Dunbarton Club outside of Washington. The club overlooks Broad Run and has an indoor pool and spa that can be used year around, a expanse fitness center, game and meeting rooms, as well as a professional business center and even a parlor! Residents will also be able to take advantage of marvelously landscaped grounds that include tennis courts, putting greens, bocce and shuffleboard courts, as well as gorgeous hiking and biking trails. The Club will also organize several social events for the residents to mingle and get to know new people and try new things.
Prices on homes in these active adult communities will vary from community to community all around the country. Specifically in the Dunbarton area prices start at about $350,000 and go up to almost $500,000 depending on the type of home one wants.