Retirement Communities in Northwest Indiana

Mature adults often think of downsizing and moving to a retirement community.  But many seniors have questions about retirement communities.  If you are exploring retirement communities in Northwest Indiana, read on to learn more.  Limited on time?  Here is a brief overview of Retirement Communities in Northwest Indiana. What Are Retirement Communities? When exploring retirement communities, it’s best to know the right one for you. Knowing the different types of retirement communities will save you time and frustration.  In general, retirement communities are for active and independent mature adults.  They are healthy and don’t need special help.  They can take

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Safe Hospital Discharge

Your senior loved one is ready to come home and you are overwhelmed with details!  You need to schedule equipment, an in-home caregiver, and doctor appointments all while working full-time.  And what about paying for everything?  That’s overwhelming too!  The most important task is a safe hospital discharge.  Read on for 6 tips for a safe hospital discharge to help you take care of your loved one. Before we dive into the 6 tips for a safe hospital discharge, let’s go over a few facts about discharge planning.  A doctor decides when the patient is well enough to leave the

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REALTOR®, Agent, or Broker

Seniors often ask, “what’s the difference between an agent and broker, aren’t they all Realtors©”?  Great question!  Not knowing the difference between a Realtor, Agent, or Broker can cost Seniors stress, thousands of dollars, and time. An agent is licensed by the state to help buy, sell, rent, or invest in real estate.  A broker is an agent who has taken advanced training and passed the broker exam.  In Indiana, all real estate agents are brokers. Brokers in Indiana take 90 hours of real estate education, pass a state exam, and complete 30 hours of post-licensing training to earn a license. 

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Probate and Selling a Home after Death

A client recently asked about the best way to prepare a home for sale after his death to avoid family conflict in dividing the funds.  As seniors, we know we shouldn’t care what happens after we die.  But we like control.  It’s natural and healthy to want to control our life and our decisions for as long as possible.  This senior citizen tip is on probate, trusts, and selling a home after death. Many seniors believe a will prevents problems in the sale of their home.  But a will does not protect a home from problems including a low sale

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Why Seniors Should Work with a Certified Aging-in-Place Specialist?

If you’re a senior who doesn’t want to move, you’re normal.  In fact, according to AARP, as many as 90% of people 65 and over want to stay in their home for as long as possible.  This senior citizen tip is about why seniors should work with a Certified Aging-in-Place Specialist to stay independent longer. A lot has changed since our generation became seniors.  The days of growing old and going straight into a nursing home after retirement no longer exists.  The new senior generation is active and determined to stay independent. Also, financially, the thought of getting a new

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How to Prevent a Home Inspection from Unraveling Your Sale

You’ve decided to sell your home and you want a pre-sale home inspection. Congratulations, you are taking control of the sale of your home.  That’s important for you to get top dollar and the right terms.  But as a senior seller, what can you expect from the home inspection?  Since home inspectors look for hidden problems, it is helpful to understand what happens during and after an inspection. Home inspectors look for defects that create safety issues or loss of value to the home.  Cosmetic issues such as painting and replacing carpeting are not part of the home inspection process.

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3 Reasons Senior Sellers Need a Pre-Sale Home Inspection

Most everyone knows there are 2 things that will kill a real estate deal-the home inspection and the appraisal.  Most realtors urge buyers to use a home inspection during a real estate transaction but very few realtors urge their sellers to use one. Many sellers believe not knowing is better.  But licensed home inspectors are obligated to find and report problems.  With 99% of agents urging buyers to use a home inspection, as a seller you want to know upfront your risks to selling your home.  Regardless of the amount of time you’ve lived in your home, if you are planning to

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4 Reasons Your Retirement Calculator Won’t Work

Did your parents talk about using a retirement calculator when you were young? Depending on your age, they probably didn’t. That’s because many older Americans banked on Social Security and a pension to fund their retirement.  They didn’t need a retirement calculator to plan.  But when Social Security started in 1935, it was never intended to cover full retirement. The average life expectancy in 1935 was 61 for men and 64 for women. And with eligibility starting at 65, most elderly did not expect to use Social Security in retirement. In 1961, the early retirement age was lowered to 62

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May-June 2020 Edition of NWI Seniors

The May-June, 2020 Edition of the NWI Seniors newspaper is full of great articles and tips to help seniors live safer andbetter at home.  If you live in Northwest Indiana and want a free subscription to our newspaper mailed to your home, complete this form. Click on the image to download the current edition or use this link.

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Elder Financial Abuse Northwest Indiana

How to Spot & Stop Elder Financial Abuse

Elder financial abuse is growing among seniors, especially the disabled.  Family and caregivers are the best to safeguard seniors against this crime.  But family and caregivers are often at the heart of the abuse.  In fact, up to 90% of abusers are family or trusted others.  Other commonly trusted people often named in elder financial abuse include: Neighbors Friends and acquaintances Attorneys Bank employees Pastor Doctors or nurses Adult Protective Service (APS) programs report that elder financial abuse is on the rise.  Worse, research shows that elder financial abuse is widespread, expensive, and even deadly. According to APS, one in

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