Rhode Island Department of Business Regulation: Division of Insurance Regulation #dbr, #business, #businesses, #business #regulation,


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State of Rhode Island: Department of Business Regulation

Contact Insurance

Division of Insurance Regulation: Consumers

General Information

  • Consumer Alerts
  • InsureU – a Public Education Program to Assist Consumers with Information about Insurance Issues
  • The VA’s Insurance Team – Insurance information specifically for active Servicemembers, Veterans, and their families
  • Consumer Information Source (CIS) – Information about insurance companies consumers can use BEFORE purchasing insurance
  • Access to Public Records Form
  • Office of Health Insurance Commissioner
  • Licensed and Approved Insurance Companies
  • Financial Information – Rhode Island Domestic Insurance Companies
  • For Information on Service of Process
      • Domestic Companies
      • Insurance Regulation 114 – Service of Process Upon Insurance Companies

  • Industry Alerts
  • Insurance Bulletins
  • Insurance Enforcement Actions
  • Insurance Regulations

Automobile Insurance

  • Consumers Guide to Auto Insurance
  • Uninsured Motorists:
    If you are involved in an accident with an uninsured motorist, please contact the Financial Responsibility Unit at the Division of Motor Vehicles at 401-462-5709.
  • Market of Last Resort – If you are unable to secure automobile insurance coverage through the voluntary market, please contact the RI Automobile Insurance Plan at 401-946-2600 for assistance.
  • Fraud Reporting: To report suspected automobile insurance fraud, please contact the RI Auto Theft and Fraud Unit at 401-444-1155.

Homeowners Insurance

  • Consumers Guide to Homeowners Insurance
  • Disaster Preparedness Tips and Consumer Alerts for Homeowners and Renters
  • Home Inventory Checklist
  • State of RI Emergency Management Agency (Disaster Assistance, Flood Insurance and Prepare Now!)
  • For questions on applying for federal assistance and aide contact: Federal Emergency Management Agency (FEMA)
    at 800-621-3362 or to apply for disaster assistance online at www.fema.gov
  • For questions on obtaining flood insurance, what to do before, during and/or after flooding, or to report flood claims (for property owners who purchased a flood policy) contact: National Flood Insurance Program
    (NFIP) at 800-638-6620; www.floodsmart.gov
  • United Way: 2-1-1: For Disaster or Emergency Service Information
  • Market of Last Resort – If you are unable to secure property insurance coverage through the voluntary market, please contact the RI Joint Reinsurance Association at 800-851-8978 for assistance.
  • Lead Liability – For questions on mitigation of properties in accordance with the Lead Hazard Mitigation Act, please contact the RI Housing Resource Commission at 800-570-0768 or http://www.hrc.ri.gov/index.php
  • Fraud Reporting: To report suspected arson, please contact the RI State Fire Marshall at 401-462-4200.

Long Term Care Insurance

Life Insurance and Annuities

  • Deferred Annuities Buyers Guide
  • Life Insurance Consumers Guide
  • NAIC Life Insurance Policy Locator Service – Helping connect consumers to life insurance policies they didn’t know their deceased family members had.

Medical Malpractice

  • Market of Last Resort – If you are unable to secure medical malpractice insurance coverage through the voluntary market, please contact the Medical Malpractice Joint Underwriting Association of RI at 401-369-8245 for assistance.

Workers Compensation Insurance

Health Insurance

Please also see the website of the Office of the Health Insurance Commissioner (OHIC) at
www.ohic.ri.gov


Rio Cancion Apartments – Apartments in Tucson, AZ #tucson, #az #apartment #homes, #apartment #homes #in


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Welcome Home To Rio Canción Apartment Homes

A beautiful apartment community in Tucson, Arizona

Welcome to Rio Cancion! Our wonderful community defines an extraordinary lifestyle. Inspired by urban living, the selections we offer are truly outstanding. We’ve included options to accommodate everyone and every lifestyle. Enjoy a charming neighborhood environment complete with beautiful walking paths, retail shopping, dining, banking and a variety of other businesses offering services and conveniences close to home. Come home today and start living life the way you deserve!

Where you live is important, so we’ve provided the quality you can recognize to ensure that our community is one that you will be proud to call home. We offer the apartment living options you need to create a lifestyle you love. With six unique and spacious floor plans to choose from, Rio Cancion comes fully equipped with exclusive features such as air conditioning, dishwasher, gourmet kitchens with microwave, solid oak cabinetry, ceiling fans and more! Come see what Rio Cancion has in store for you today!

Here at Rio Cancion, we offer outstanding amenities. In addition, all of our residents are welcome to enjoy our three resort style swimming pools, lavish spa and hot tub, state of the art fitness center or enjoy a day entertaining friends and family at the clubhouse. Challenge a friend or neighbor to a game of tennis or basketball on our courts. Some of our other amenities include an on-site laundry facility, emergency maintenance, wireless internet access, garage and more! Visit our photo gallery to see everything we offer at Rio Cancion!

Amenities

Community Amenities

  • Business Center
  • Clubhouse
  • Community Gas Barbecue
  • Dry Sauna
  • Dog Park
  • Lighted Basketball Court
  • Emergency Maintenance
  • Fitness Center
  • Gated Access
  • Garage
  • River Walk Access
  • Relaxing Spa
  • Nearby Hiking, Jogging, and Bicycle Trails
  • Tennis Court
  • Reserved Covered Parking
  • Steam Room
  • Three Swimming Pools
  • Volleyball Court
  • Wireless Internet Access

Floorplan Features

  • Air Conditioning
  • Cable Ready
  • Ceiling Fans
  • Dishwasher
  • Gourmet Kitchens with Microwave
  • Pantry *
  • Solid Oak Cabinetry
  • Spacious Walk-in Closets *
  • Extra Storage *
  • Private Balcony or Patio *
  • Vaulted Ceilings *
  • Washer and Dryer in Unit
  • Wood Burning Fireplace *

Welcome Home!

You Love Your Pets, We Do Too!

We are a pet friendly community! Click Here to see our pet policy.

Map Location

Contact Us


Top Charlotte NC area Listing & Buyers Agent, Charlotte NC Homebuyer Programs & Relocation Specialist


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North Carolina & South Carolina Real EstateSPECIALIZING IN CHARLOTTE AREA REALTY HOME BUYER PROGRAMS

Trena Miller stood by us from start to finish! There are not enough words to express my gratitude to Trena. She truly cares about her clients and will stand by your side from beginning to end. We could not have asked for a better agent to represent us! Mr & Mrs. Duncan/ Charlotte, NC Homebuyers

Trena Miller was fantastic! She should be Realtor Of The Year. She is truly a great realtor and a wonderful person. I came to her as a first time home buyer, clueless about purchasing a home. Trena not only helped me purchase a NEW HOME but she also educated me along the way. She answered every question no matter how many I asked. When things got stressful it was her reassurance, encouragement, and motivation that truly kept me moving forward. Donna the closing coordinator was also a great asset. I felt taken care of! L. Ricks/ Charlotte, NC First Time Homebuyer

Trena was honest throughout the process and integrity is important to her. She supported us throughout the process, overcame numerous barriers and was honest throughout the process. We built a beautiful home in Mooresville NC and she helped to make that happen for us. Thank you Trena, we LOVE our home! A Sears & K Kerr/ Mooresville, NC Homebuyers

Trena was absolutely amazing! She worked with me throughout this whole process. I was picky about my first house and she made sure that I got what I wanted. When it came to closing, she was right there by me, making sure everything was good to go. I’d definitely recommend her to anyone who is purchasing a home! B. Williams/ Charlotte, North Carolina Homebuyers

She did an excellent job for us! Her pricing was perfect and the house sold quickly. We couldn’t have asked for a better realtor. Thank you Trena for ALL your hard work! Mr & Mrs Wright/ Gastonia, NC

What I liked about my home buying experience with Trena is that she was very patient with me and on our very first phone call, I did not feel rushed. I laid out everything that I was looking for and she exceeded my expectations. Q. Marrow/ Charlotte, NC Homebuyers

Great experience from start to finish! Trena was wonderful to work with and all the partners (financing, closing, etc.) were professional as well. J. Bagley/ Mooresville, NC Homebuyers

My home buying experience was a good one. Trena listened to me, advised me and worked hard during the negotiation process. This was my first time purchasing a home, and I learned so much during the process. I got exactly what I wanted and more in my home! N. Bernard/ Charlotte, NC

Trena Miller and her office provided exceptional services to us during our home search and buying process. Trena made it her business to understand our situation and to make sure that our needs were met. She is a superb negotiator, and a very hard working professional. If we hear of anyone who is in need of a realtor, we would insist that they contact Trena Miller. Mr & Mrs Clark/ South Charlotte, NC Homebuyers

We will forever be grateful and will always hold a special place in our house for. Mrs. Trena and her team Donna and Tiffany. They made the impossible. Possible. Yayyyyyy we love our new HOUSE and we miss u guys already! Mr & Mrs Espinal/ Mint Hill, NC

Only wish I could have found Trena before I started the homebuying process. It was long and I wasn’t having any good luck. After meeting with Trena, she was able to find my dream home in just ONE WEEK and for this I am so happy. Thank you Trena! S. Caballero/ Charlotte, NC

Trena was great showing us homes and even being on top of things with handling the lender and builder. It was kind of stressful in the beginning. but Trena helped us through it all. Thank you Trena! CMPD Officer/ Charlotte, NC

Charlotte NC Area Real Estate & Home Buyer Programs

The real estate market is constantly changing, but one thing for certain, the Charlotte NC Real Estate Market continues to boom in home sales! Whether you’r e relocating to the Charlotte NC area . searching for houses for sale in Charlotte NC, looking for HUD homes in Charlotte NC for investment p urpose s or des ir ing to build a c ustom home in Charlotte NC, we can help.

This site is a one stop shop for all of your Charlotte NC real estate needs and with our easy to navigate up to date MLS Search tool . you’ll find an array of new and available listings to fit your need. Our site is full of informative articles and links to help you find what you need to succeed in one of the fastest growing areas in the nation.

Need help getting pre-approved to purchase?

Need the help of a Charlotte NC Relocation Specialist? Let us help you! Not only can we help you sell your current home to get here, but we also help you to line everything up to make your transition as smooth as possible.

Take a tour through these Real Estate Success Stories to see why more and more Buyers & Sellers in the Charlotte area are rating us as one of the Top Professional Real Estate Firms in Charlotte North Carolina.

Whether you are a seller, first time home buyer, move up buyer, or investor, we can help! Feel free to browse through this site to discover all that Charlotte NC has to offer! Find new home builders in Charlotte, new home communities in Charlotte NC, HUD homes in Charlotte NC and properties for sale in Charlotte NC.

Are you looking to buy Charlotte real estate? For Buyers, we educate you through-out the entire process. Are you looking for something particular? Please let us assist you by filling out our VIP Home Request form .

Are you selling real estate in Charlotte? For Sellers, we create an effective home marketing plan to get you home sold FAST! First you will need to find out how much your property is worth. Let us do the work for you by filling out our FREE Home Value Request .

Buying or selling your Charlotte home or Charlotte real estate property can be the single most important transaction in your life, therefore it is important for you to work with someone who has the experience, professional expertise and integrity to make your next Charlotte real estate transaction pleasurable and stress-free.

CHARLOTTE NC AREA RESOURCES

GNND Program : If you are a Police Officer, Teacher, Emergency Medical Technician, or Fire Fighter, find out how you can save 50% on your home purchase.

House Charlotte Listings : Find out which homes are eligible for House Charlotte funds. Over 500 homes currently available!
(temporarily unavailable).

House Charlotte NC Program: Receive up to $10,000 in down payment assistance through the House Charlotte Program in Charlotte NC.

HUD homes in NC: Get a FREE list of HUD homes in Charlotte NC. Search HUD homes for sale in Charlotte. Purchase a HUD home for as little as $100 down!

Neighborhood Stabilization Program : Better known as the NSP Program which provides $14,900 to purchase a foreclosed home.
(Limited time only)

NC Bond Loan: Down payment assistance up to $8000 through the North Carolina Housing Finance Agency. Update, the NC Bond Program is now called NC Home AdvantageMortgage .

USDA Rural Development Loan: Determine if a property is located in an eligible rural area. Get pre-qualified for Charlotte NC USDA home loan. Apply Today!

The Pruitt Miller Realty Group is one of the leading real estate groups in the Charlotte NC area who specializes in Home buyer Down Payment Assistance Programs.

We can help you every step of the way! If you would like more information about one of these Down payment Assistance Programs in Charlotte NC or any of our professional real estate services we offer, please fill out the form below. You may also call us directly at 704-965-3319.

Charlotte NC


We Buy Houses Richmond, VA #fast #cash # #homes


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Cash for Your House in Richmond

We Buy Ugly Houses ® Richmond – Sell Your Home Fast!

HomeVestors ® is the #1 buyer of houses in the U.S. Contact us to sell your Richmond, VA house and see why we are number one.

Are you in an ugly situation with your home? Have you inherited property you can t afford to keep? Do you need to liquidate your assets because of divorce? Do you need to relocate because of a job change? Are you at risk of foreclosure and want to get out while your credit rating is still good? Do you live in a home that s full of bad memories you d like to get away from? If so, you live in an ugly home, and we ll pay cash for it too.

We Buy Ugly Houses Richmond assists Richmond homeowners in getting out of their ugly homes by purchasing them quickly for cash. We eliminate the middleman in our all cash deals so you don t have to deal with the complications, delays, closing costs, and commissions of a traditional sale.

Get Cash for Your Home!

We Buy Ugly Houses ®. also known as HomeVestors of America ®. is a national network of real estate investors. We buy houses. townhouses, condos, duplexes, multitenant buildings, and even some commercial properties from owners looking to sell quickly for a cash buyout. When you sell your home to We Buy Ugly Houses ® you ll pay little or no closing costs, and you can receive your payment in 30 days.

  • We pay cash when we buy houses
  • We also pay closing costs when we buy houses
  • We buy ugly homes AS IS no repairs, no cleaning, no painting
  • No waiting for bank loan approvals
  • Quick closings so you can move on with your life

Seller Reviews

“The HomeVestors representatives were just wonderful. They bought our house and then at the last minute, they let us rent it out to us for three more months. HomeVestors was a real life saver. We definitely recommend HomeVestors.” – Lisa and Randy Golding

We’ve purchased hundreds of houses from sellers just like yourself!

  • Home Buyers
  • For Sale
  • Rentals
  • Investors
  • Own a Franchise
  • Reviews
  • Privacy Policy

Replacement Windows Salem, VA #windows, #replacement #window, #replacing #windows, #vinyl #windows, #basement #windows, #vinyl #siding,


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“I would recommend your windows and quality of service to everyone. No question, Window World is the only way to go for the best and most affordable replacement windows! Excellent service!” – Diana Abood

“Great Crew! Very knowledgeable and welcomed input from the customer. We’ll definitely refer any relatives or friends. Great Job!” – Sornoza Froilan

“Everyone involved was fantastic, helpful and professional, and I recommended 2 additional friends to Window World prior to installation.” – Christen Cristel

“The installers were courteous and explained in detail what they were going to do! I was impressed!” – Randy M.

Before and After

View the transformations first-hand with our Before and After Gallery: the makeovers are nothing short of remarkable!

Our Completed Projects

View an interactive map of our many completed projects in your area.

Visualizer

See what new Window World products will look like in your home easier than ever with the new Visualizer!

American-Made

Much like our company, our products are homegrown. We take pride in the fact that we bring our customers home improvement options sourced from the USA and are committed to doing so in the future.

Replacement Windows Salem

Window World of Roanoke is a locally owned and operated franchise, proudly providing exceptional value, expertise, and service from our Salem location. We offer free, no-pressure in-home consultations in Bedford, Franklin, Henry, Montgomery, and Roanoke counties.

Since our start in 2008, Window World of Roanoke has grown to be one of the largest home improvement resources in the region. With a wide array of products including vinyl replacement windows. vinyl siding. replacement doors. and shutters. With various colors and styles. we provide countless combinations of exterior solutions. Our products are designed to increase the performance of your home, bringing energy efficiency and functionality to new heights.

Window World is the nation’s largest replacement window company, as seen in Qualified Remodeler Magazine. Our local presence ensures we are experts on the unique needs of our customers, while our network of over 200 window world locations across the country provides the strength of an industry-leading company. We back our products with powerful warranties and commitment to customer happiness: a combination you’re sure to love. Schedule an in-home estimate today to learn more about how we can serve you.


VA Approved Condos: How to Find and Buy one with a VA Loan #va #loan


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Use Your VA Home Loan Benefit To Buy A Condo

Posted on: January 28, 2017

You can buy a condo with a VA home loan. And, it’s pretty much like buying any other home. There are just a few differences to know, but you may be surprised at how easy it is.

Click Here To Skip Directly To Your Eligibility Check

VA Condo Approval Standards

To be approved by the VA, a condominium project must meet these requirements:

1. At least 50% of the units must be occupied by the owners. In other words, less than 50% of the units are rented out.
2. Less than 15% of the unit owners are behind on their HOA dues.
3. For newly constructed condos or projects recently converted from apartments, at least 75% of the units must be sold.

If the condo complex meets these requirements, there’s a good chance it’s VA approved. However, the condo must be on the VA approved condo list as well.

Navigating the VA Approved Condos List

It’s very easy to look up whether a condo is approved on VA’s approved condo list. Just go to VA’s website and type in the name of the condo.

It’s best to use just part of the condo name with an asterisk (*). Otherwise the website will only show exact results.

As an example, let s say you saw a condo in a complex called Somerset Village East in San Diego, California:

1. Type in as little of the name as possible followed by a * (no space).

2. Type in the city and select the state (county is typically not needed).

4. You’ll get all the condos in San Diego that start with “Som”. In this case, only one.

5. The last and most important step is to make sure the status is “Accepted Without Conditions” or HUD Accepted.

VA Condo Approval Types

Here are the different types of condo approval status and what they mean.

Accepted Without Conditions

These condo projects have undergone review by the VA and are eligible for VA financing.

HUD Accepted

Prior to December 2009, VA accepted any condo project that was approved for FHA financing (FHA is administered by HUD). When that changed, VA had a group of condos that had not been reviewed, but were previously approved by HUD. These condos were not required to go through specific VA review, but were “grandfathered” in as VA approved projects.

VA approved condos are very easy to find if you know how to look. Use your VA home loan benefit to buy a condo.

Chances are that “HUD Accepted” condos are VA approved, but you should ask your lender to check with the regional VA office before you plan to buy in that condo complex.

Check Your VA Condo Buying Eligibility Here

Unaccepted

Units within these condo communities are not eligible for VA financing. They have never gone through the VA approval process, were not grandfathered in under previous HUD acceptance, or have gone through review and been denied by the VA.

What if the Condo is Not VA Approved?

If the condo isn’t currently approve by VA, it’s best to pass on it and look for another unit in a VA-approved condo project. Approving the condo is not something you should try to get done. That’s the responsibility of the condo’s homeowners association. If the project isn’t approved, there could be serious issues with it and you probably don’t want to live there anyway.

Should I Buy a Condo?

A condo can be a great place to live for the right kind of person. They offer a lower purchase price than a free-standing home, but can appreciate in value just the same.

So is a condo even the right choice for your lifestyle? Ask yourself these questions. See if you answer yes to most of these.

1. Do I enjoy little to no maintenance on my home and landscaping?
2. Do I enjoy living in close proximity to neighbors?
3. Do I want convenient amenities like a pool, playground, clubhouse and gym?
4. Am I single or have a smaller family that will have enough room in a smaller home?
5. Do I mind paying monthly HOA dues that may increase over time? What about occasional larger fees to cover big condo improvement projects that the condo board may 6. approve?
6. Is it OK if I don’t have a garage?
7. Do I like to live closer in to town?
8. Am I ok adhering to community rules about pets, noise, and other activities?

How many questions did you answer yes to?

1-3 yes answers: A condo may not be right for you.

4-6 yes answers: A condo could suit you well, but consider other options too.

7-8 yes answers: A condo is probably the right choice for you.

A VA Approved Condo Can Remove Barriers To Homeownership

Condos can be a great way to own a home at a lower cost than you might expect. And your VA benefit means you can buy with no money down.

And because condos appreciate in value, you could use your future equity to move up later on in your homeownership journey.

Speak to a VA condo expert to check VA condo mortgage rates. Get prequalified so you can make an offer on the right condo when you find it.

Click To Check Today s VA Mortgage Rates Now

Landmark Apartments – North Fayetteville NC Apartments #best #apartments #in #fayetteville #nc, #north #fayetteville #nc


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Live in legendary style at Landmark Apartments! Offering 5 different floor plans, you�ll find well-designed garden and townhome style layouts with extra-long walls for great furniture placement, oversized windows for natural light, and a location in Fayetteville that is both prestigious and convenient! Each home has full sized washer & dryer connections, open kitchens, large living and dining rooms, and a selection of upgrade options to meet your personal style. After the workday, enjoy the peaceful comfort of your own private patio, or sitting by the pool with neighbors, a friendly game of volleyball, a stroll or run on the jogging path, or grilling out while the kids are at the playground. With regular movies and events at the clubhouse, and a location near Fayetteville�s finest shopping and recreation, living at Landmark offers plenty to do! Landmark offers a convenient Ramsey Street location, up the street from Methodist University and the VA Hospital, and only minutes from Fort Bragg, Cross Creek Mall, and the Cape Fear Valley Medical Center. Call 910.822.2339 to make Landmark Apartment Homes your new home!

Built with innovation and excellence by the Floyd Family, Fayetteville�s First Family of residential construction!


Mississippi senior resources – Housing, finance, financial planning and Insurance pointers #senior #resource, #housing, #seniors,


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On this state page you will find resources, senior housing, and senior lifestyle opportunities. Such items address Seniors’ needs from Active Communities to Assisted Living along with Insurance, Medical and Financial Planning information.
We attempt to keep the state unique information current. To accomplish this we encourage individuals to become a state guru .

If you are aware of any changes that need to be made or might want to become a guru with its related rewards, please let us know via the email or address at the bottom of this page.

After Mom Moves

Are you trying to manage the resources from afar?

You may benefit from Seniors Real Estate Coordination

– Property preparation for sale – Estate clean out – No hassle transitions

– Communication with family professional advisors – Home sale and closing

To contact a Seniors Real Estate Professional click HERE

NO extra fees or obligation

Agencies on Aging

Div. of Aging and Adult Services
750 North State Street
Jackson, MS 39202
1.800.948.3090
601.359.4929

Alzheimer’s Communities Regulations

Alzheimer’s Unit Requirements set by
Department of Health, Health Facilities
Licensure and Certification Division
601.354.7300

Facilities are only permitted to house persons with up to stage I I Alzheimer’s disease.

Assisted Living Communities

Your retirement planning should be based on understanding the options associated with Assisted living. As part of a retirement plan these options combine housing, support services and health care, as needed. Assisted living is a retirement service for individuals who require assistance with everyday activities such as meals, medication management or assistance, bathing, dressing and transportation. Some residents may have memory disorders including Alzheimer’s, or they may need help with mobility, incontinence or other challenges of senior life. Residents are assessed to determine the level of service they may need. These retirement services generally include: 24/7 supervision, 3 meals a day, housekeeping, transportation, minor medical attention, personal care assistance, security and emergency call, exercise programs, social and educational activities. In addition some Assisted living communities may provide: gardens, libraries, and chapels.

Assisted living communities are operated by both profit and non-profit organizations. Pricing can range from $1000 to over $4,000 per month based on your location. There may be extra fees for special services.

Learn more about Assisted Living Communities here .

Assisted Living Regulations

Department of Health, Health Facilities
Licensure and Certification Division
601.354.7300

Personal Care Homes may provide assistance with activities of daily living that may extend beyond providing shelter, food, and laundry. Assistance my include but is not limited to: bathing, walking, toileting, feeding, personal grooming, dressing, and financial management. Facilities may provide assistance with the self-administration of medication. Persons admitted must be ambulatory.

Adult Day Hospice Care

Adult Day Care is a life senior service for frail, physically or cognitively impaired, seniors and their caregivers. Numerous stand alone adult day care facilities and adult day care centers are available in urban and suburban areas to provide elderly care. Check your state here. A large percentage of Adult Day Care Centers are operated on a nonprofit or public basis. Many centers are affiliated with multi-service entities such as home care, assisted living, nursing facilities and hospitals

Congregate, assisted living or nursing care communities may offer elderly care as an outpatient service to the neighboring population on a per day basis. Those that do, may also offer respite care for a weekend, or a week. Senior centers may also offer senior day care as one of their life senior services.

Learn more about Adult Day Care HERE

Senior Apartments

You may choose to spend your golden years in a community designed especially for mature adults. Senior living facilities come in many sizes and shapes. Senior apartments are one such chose. A Senior Apartment allows you to take advantage of many amenities and personalized services without having to maintain a house and yard.

Senior apartments should be a consideration for older adults that can take care of themselves. Aside from age-restrictions these apartments are usually developed the same as standard apartments. Some of these apartments are also equipped with items such as hand rails and pull cords to make getting around and living easier. Also these apartments provide a community of elderly neighbors without the hassles of a larger home to manage. Properties can vary in terms of services but typically offer apartment living and services designed specifically for independent active seniors 55 and older. Since many of these residences are designed for active seniors, most do not offer meal service, housekeeping or medical services. Senior apartment complexes are usually located near senior centers, parks, shopping malls, golf courses and public transportation. Some provide van services to nearby shopping and needed services.

Senior apartments can be found in many communities, some are under federal housing guidelines and will only accept low income seniors, but most are privately owned. Many of the privately owned properties offer reduced rents to low-income tenants with assistance from Dept. of Housing Urban Development (HUD). You should be aware that senior apartments usually have a captured audience with a significant waiting lists period. The following table provides a listing of senior apartments in your state; those that may have subsidized units are identified with an S in the right hand column

Health Insurance Counseling, Advocacy, and Medicare Help

Need help with the Medicare Maze?
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options.
Note: Toll free numbers often work only from within the state.
From out of state Use the other number, when provided.
1.800.963.5337
For more counseling information visit www.medicare.gov

Insurance: Automobile

Interested in Buying or Selling
a Home or Condo?

Aging in place is growing older without having to move. Aging in place with supportive services is one of the most desirable ways of aging. Aging in place can achieve efficiencies enabled by the customized care. Successful aging in place approaches focus on the provision of the most appropriate care for the specific individual. Thus avoiding wasted costs brought on by a generic care model.

An aging in place scenario, creates housing and health care options to provide support as defined by an individual s wishes and efforts to live independently. Aging in place can work best when it is employed as a part of a comprehensive plan for retirement and aging. A key step in implementing aging in place is to make your home aging friendly. As we age we don’t hear so well, we sometimes forget or get confused and we can even outlive doctor’s predictions about our longevity. So as long as we persist in growing older, why not arrange our homes to accommodate our reality. Incorporate memory triggers into the way we arrange cabinets and counters, add soft fabrics to muffle background noises, change appliances to better accommodate our short-comings.

Here is a book to help you make your homes senior-friendly.

Universal Design: A Step-by-Step Guide to Modifying Your Home for
Comfortable, Accessible Living

by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.


Federal Tax Credits For Solar Energy Systems #solar #energy #tax #credits, #solar #energy #systems, #tax


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Federal Tax Credits: Solar Energy Systems

Solar Water Heaters

Solar water heaters come in a wide variety of designs, all including a collector and storage tank, and all using the sun’s thermal energy to heat water. Solar water heaters are typically described according to the type of collector and the circulation system.

At least half of the energy generated by the “qualifying property” must come from the sun. The system must be certified by the Solar Rating and Certification Corporation (SRCC) or a comparable entity endorsed by the government of the state in which the property is installed.

Note: The credit is not available for expenses for swimming pools or hot tubs. The water must be used in the dwelling.

Photovoltaic systems must provide electricity for the residence, and must meet applicable fire and electical code requirements.

Tax Credit includes installation costs.

Solar Panels (Photovoltaic Systems)

Solar Panels or Photovoltaic Systems are solar cells that capture light energy from the sun and convert it directly into electricity.

Requirements
Photovoltaic systems must provide electricity for the residence, and must meet applicable fire and electrical code requirements.


J – S Mobile Home Transport Orlando Florida – Home Movers #mobil #home #movers, #j


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J S Can Help You Find Your Next Mobile Home

Are you searching for the perfect mobile home in Central Florida? If so, let J S Mobile Home Service help you find your next mobile home. Call Jimmy at 407-281-8339.

Serving folks since 1981, we move thousands of mobile homes for hundreds of Central Florida communities and have extensive knowledge of the various mobile home parks and surrounding areas that few others possess. We know when attractive mobile homes come onto the market and are available at any given time.

J S Mobile Home Closes Out Cape Canaveral

In addition to manufactured homes, J S Mobile Home Service also does professional removal of portable buildings and modular buildings and structures.

J S Mobile Home Service is one of the largest and most experienced movers of portable and modular buildings in Florida. And recently, we were chosen to remove countless modular and portable buildings at Cape Canaveral. Here are a few photos taken of buildings being removed during the close out of Cape Canaveral.

J S Mobile Home Also Installs Decks

In addition to our mobile home transport and relocation services, J S Mobile Home Service offers a wide range of other services. This includes building decks.

We custom install front door entry decks and patio decks, using the finest pressure treated woods and materials. Our decks are affordable.

Call us at 407-281-8339 for a FREE estimate.

Financing Available at J S Mobile Home Service

At J S Mobile Home Service, financing is available to qualified customers – making our mobile home transport and relocation service available to more people.

If you live on a fixed income or simply prefer to spread out the expense for whatever reason, be sure to contact us. We will be happy to assist you in any way we can.

Call us at 407-281-8339 for more details.

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