In the wake of considering the current situation we have and will have in our future it has helped me to re-evaluate what I would like to see in our world. Since I am old enough to have to face this reality for those I love who are older than myself, yet young enough to begin putting some thought and parameters in place to make my own decisions I would like to share my dream with you. Let’s face it those of us after the Baby Boomers are going to be in big trouble as we age. Our emerging machine oriented environment has neither equipped us nor our children with the social skills and emotional skills necessary to cope with what will be a major problem as I get older and those below me. Care and concern for the elderly is getting more and more callous and old school ability to stick it out and care for your loved ones till death do you part, well that is a thing of the past. Leaving us in situations where we are going to be more and more dependent on some sort of system to provide for the growing group of people who will be dependent on assisted living for one reason or another.
We are living longer now then any other time in modern history, we are told, but what we are not being told is the condition of the lives we are living as we age? We are not being told the cost of dying slowly and the misery involved as we age and our children and loved ones pretty much cast us aside to the professional doctors and nurses who are paid to care for us. This concern is however, emerging in an around about way for those of us in our twenties and thirties who are beginning to make better choices as it relates to food purchases, and investing in exercise plans. However, many of us based on our savings alone if we had to depend on it to ensure that we could age in a place that would provide for our needs in a way that we can maintain our dignity and not suffer from depression would be in big trouble. As we work we live the lives we want to live, and do the things we want to do, and it sets us up for a major let down if we had to face the reality of growing old in a government supported facility.
I submit to you, what if there was a way that you can plan for your retirement and live in a serene environment where your years of life on this earth would be both celebrated and put to use? If you could wake up every morning in a beautifully decorated home that gave you easy access and allowed you to have the independence you have always had, but in a resort like environment? If you could have healthy meals prepared, naturopathic doctors assisting you in prevention and traditional doctors available for routine maintenance at your fingertips, would that appeal to you? You wouldn’t have to worry about cleaning, cooking, or having access to relaxing amenities which allowed you to socialize when you like or retreat when you like. Enjoy the lively sounds of nature, the calming movement of water, and beauty that surrounded you at every angle. That would be the life, and it can be a reality for an affordable price for those forward thinking enough to start planning now.
I propose investing in an affordable fire extinguisher for your future. If you are not aware of the potential dangers involved in NOT planning for your golden years then I highly recommend you read my article, “Dangers of Throwing Caution To The Wind: How We Should Be Planning Ahead For Our Golden Years”. There I share some sound advice for those in the valley of decision concerning purchasing a family home and things you should consider to make wise decisions that can benefit your future. In it I propose questions you should consider, but saved planning options for your retirement for here. I personally became interested after my own family was faced with making such decisions and in my research on purchasing LTC (Long Term Care) insurance I begin to see the horror stories that befell so many people who have loved ones who paid years and years into a policy that they were unable to benefit from, based on technicalities, loopholes, and the outdated policies that did not cover the shift in current societal needs. Policies our parents purchased when they were our age didn’t anticipate the growing need for memory care and how that type of care could be financially draining. Insurance companies are probably easily getting bombarded with the growing influx of not only old, but younger than expected patients are depending on those policies to provide.
As it relates to traditional options for the growing needs of aging parents there are no remedies, cures, or options for reversing or slowing down the effects of aging ungracefully. However, the emerging naturopathic field is making great strides in using alternative, non or minimal invasive methods for either slowing down the rate of declining health trends and for some reversing diseases that had been considered terminal by traditional medicine. What needs to occur is a return to whole, organic, non “substantially equivalent” or also known as GMO foods, fresh air environments, and plainly put simple living facilities that don’t wreak of the havoc of our stressful environments. Even for those who are retired everything in our world is geared towards go, go, go. After spending 30 or more years working now our elders need a place they can retire in peace and enjoy the laid back life away from the constant bombardment of living. We have become so accustomed to irreversible diseases that traditional medicine, and nursing home, and assisted living facilities no longer even attempt to focus on getting people well enough to live independent of them, but has instead grown comfortable with the idea that those who enter their doors will be there for life. While I don’t offer you a utopia that will ensure that your loved ones will regain the life they once had, or promise that they could get well enough to ever live on their own, I submit to you that I do envision a place where that is the goal. The goal is not just to make you comfortable until you die, but to help you live a full life, and should you die here you can die with your life full not empty. Your years of wisdom tapped into, captured, put into use, and passing on so that your life has meaning till the day you die, and continues to live on through those you were able to impact until your last breath. While people can die even doing everything they should do, the ideology of naturopathy is vastly different then that of allopathic medicine. Every individual should have access to both, a naturopath that will focus on helping you reach your best, and the allopathic who will keep you from dying. You need someone who will you find out the root cause of your sickness, and you need the person who will keep you from dying as a result of the immediate damage an unhealthy lifestyle has caused.
I submit to you that it is possible however, to have the best of both worlds and the way to do that is to apply some of the principles of the time share model to what I call the life care model. Purchasing a timeshare is frivolous, but it gets its support from those who see the economic benefit in buying a service that allows them to have access to a resort that they intend on using year after year without having to pay retail pricing. Essentially buying your vacation time in installments versus lump sum payments. This too is one reason why insurance is usually so favorable. We trust the insurance companies to do what we typically are not disciplined enough to do ourselves hold our money for us until we need it. The problem comes when stipulations and access to get that money out has to meet insurance policies. What I am proposing is similar to a time share in that you are buying over time into a system that has shared investments based on need of use. The difference is unlike a timeshare should you need assisted living it will become the place you stay for life, not for a week or two. However, the shared part of this equation has more to do with how this system can function at an affordable cost and can be passed down to other members of the family based on need. Which is what makes it an investment. You would be in effect paying two mortgages in a way. At first more aggressively paying for the building of your structure, and then as you get older less aggressively paying for the amenities and the property that it lies on. The only benefit to this approach is if you don’t need it, and if no one in your family needs it, you can elect to rent your space out to someone who could use it now. Since most people haven’t prepared in advance for such a need you having a spot in an exclusive and progressive assisted living residents makes your property prime real estate for a family in desperate need of a good home for their loved one. This means you have the option as the owner to rent it out at what you pay or more at your discretion which would in effect mean you would be paying off the principle for your property before you actually need it.
Imagine having a retirement home already ready to go with the ability to accommodate any growing needs you may have. A place that provides services to keep you well as well as address your immediate needs. Imagine that this possibility for your life could be paid for right now would you be interested in it? I am working on a proposal that will allow for you to plan for your families needs and for larger families to invest together in an assisted living haven that would be accessible should their parents, themselves, or their children need it in the future. Something that would be affordable, provide for 24 hour staff, quality care, alternative care, and accommodate the lifestyle that you worked so hard to acquire, even when you can’t do for yourself. This would be a viable alternative for those concerned about current insurance policy loopholes that could limit your option for you and your loved one, and bleed your bank accounts dry. These facilities would provide state of the art care, luxurious facilities, residing in a retreat like atmosphere.
Those who think they might be interested in this proposal please fill out the form below and you will be kept up to date as this plan is put in place.