Category Archives: Purposeful living

TimeShare or Senior Continuum Care Communities

The current model of healthcare services provided for our elderly who require assisted living or skilled nursing is not only passe but depressing.  Anyone who loves their loved one who is faced with having to make a decision concerning where they will spend their golden years understands the heartbreaking options that await them.  Our current Medicaid system needs a revamp and Capitol hill is far behind on making the changes that are necessary to meet the growing need of care.  If you haven’t done any shopping in what the cost is for getting skilled nursing I would highly encourage you to begin shopping.  One of the major changes that need to take place is the choke hold that skilled nursing facilities has on medicaid provision as well as long term care insurance options.  Today, there are better options available to those who fall between the areas of skilled nursing and assisted living and quite frankly the cost for services of the better option comes with a much more reasonable price tag.

It makes more economic sense and common sense, especially if Medicaid is supposed to serve the people rather then the industry to encourage elderly people in need of assistance to stay in an assistant living facility as long as it is possible.  By leveling the playing field and widening the market as far as options the competition would actually push more skilled nursing facilities to provide higher levels of service recognizing that families get to not only choose between skilled nursing, but also assisted living and memory care facilities.  This provides a greater incentive for nursing homes to fix their own internal problems and fine tune their services.  Those who have persevered in working to build this country and make it what it is today deserve better then a place to hold them until they die.  A place that neither our loved ones want to be and their families want to visit them in.  After years of toiling and turning, making a way for your children and sacrificing to meet their needs it seems unfitting that the end game would lead to seclusion in a skilled nursing facility where your basic needs of health are neglected unless micromanaged by your family.

We who are in the working class need to have a shift in our priorities.  Rather then spending our money on a timeshare that gives you one week a year to escape the hustle and bustle of life we need to begin shifting our extravagant vacation fund into retirement property.  Obviously setting aside funds that can’t be touched such as a funeral trust or funeral insurance that would need to be at least $10,000 if you plan to be buried underground with a tombstone and as low as perhaps $6000 if your goal is to be cremated.  Whichever one you decide this needs to take high priority because you are not guaranteed to live long enough to be old and enjoy retirement living, but death is almost a certainty for most of us and having funds set aside to accommodate that need is key to having your wishes honored.  However, if you do live long enough to make it to old age, or even if you find yourself falling prey to a debilitating illness it is important that you be prepared for what the cost of living is for aided care.  This is a topic that many of you know I have been passionate about ever since my loved one suffered a debilitating sickness.  The options out there are few and far between and the compromises you have to make especially if you are not financially prepared for such a catastrophe is quite limiting.

The baby boomer generation are all reaching a point in their life where retirement services of some sort on some level are almost guaranteed to be a must.  Driving may become taxing or due to vision and reflexes could be completely out the question so being in a community that has other transportation options available will be very important.  Cooking and cleaning is another chore that many of our elderly people are less able to do, whether vertigo becomes a problem making looking up or down a challenge, or energy levels fluctuating causing the chores of doing daily tasks difficult, but you’re still able to use the bathroom, bathe yourself adequately, and the like then a senior community is an ideal situation to be in.  Having had to look for out of the box answers to meet caring for my loved one who lives hundreds of miles away, while meeting their desire to stay out of skilled nursing we had to  consider every possibility within his budget to provide for his care.  What I have found is that many places are heading in the right direction, with of course the most important ingredient to success being having quality workers who desire to provide quality care.  However, probably the perfect marriage between this rental based living is a full continuum care community that extends its reach to not just providing rental property, for assisted living and memory care residents but providing purchasable real estate property for self sustaining seniors who can still live independently or with their families in a 2 or 3 bedroom home.

Let’s face it many of us who are in the working class now live a certain lifestyle that we are accustomed to and certainly we aren’t working ourselves as hard as we are to end in the corner somewhere at a institutionalized nursing home if we can help it.  Thus, the next wise development would really be to provide senior living communities that incorporate short term rehab, nursing home, assisted living, and memory care within a housing community that also extends itself by providing cottage style housing options.  While assisted living apartments and memory care apartments would not be purchasable real estate property, many seniors would enjoy the amenities and environment of being in a senior community, but a steak they can actually buy not just sink their teeth into.  Which is where patio homes or cottages around the enclosed community would be an ideal situation.   This housing would require that selling of the property must be only provided to residents who meet the age criteria, but otherwise is a place that their children could inherit as they get older or as they require senior care needs.

As stated one thing is for sure we will get older and our ability to go up twenty stairs everyday will change, these luxurious garden tubs will become a pain, and cooking and cleaning well that will become as old to us as we are.  Having the ability to have a retirement community that extends its housekeeping, therapy plans, dining options, and community resources to those who own homes within the community is a major plus.

After selling your home nobody wants to find themselves in a rental situation again, and should your health decline the advantage of a senior living continuum care community is that your one time community fee paid when you first entered the community provides for you to transition to whatever level of care your physical state requires without having to pay a hefty fee when you are least financially prepared to do so.  By being proactive in your downsizing you have made it possible to be exactly where you need to be when changes occur and membership has its privileges as you would be able to easily transition to the next level of care at a membership rate, and because entrance is both limited and exclusive you have access to the most prime property which means that should you not financially be able to afford the next level of care, selling your home on site provides financial security for your transitional level.

Also, by being proactive by buying property onsite and paying your one time community fee at closing or at an age when you are receiving steady income versus a fixed income you forgo the community cost that is sure to go up over time to make the shift.

This model allows for greater affordability for even the middle class savvy senior to get in. By downsizing on a home that you may have paid off or come extremely close to paying off your equity plus your principal travels with you which will put you at a major advantage when starting fresh in our new community.  You could easily find yourself in a position where your new home could be bought out right or at least completely paid for before you are 65 if you move in at 55.

Resort style living in safer locations.  Smart shopping for property would require looking for land that allowed for turning a forest into a goldmine with natural water features, and fertile land, being a plus situated in an area that is not prone to natural disasters being more ideal.  Let’s face it as beautiful as Florida is the constant threat of hurricanes and other natural calamities make it a recipe for disaster when you mix that in with seniors and especially senior citizens with disabilities.  So, the ideal spot for this senior continuum care community would require paying close attention to safe locations.

Everyone should have choices and a senior care continuum community ought to be able to offer that and that should extend beyond the walls of the assisted living, memory care, and skilled nursing unit.  For this cause the next level of senior continuum care communities should include the following:

  1. Home Ownership for independent structures.
  2. A sliding scale association fee based on the amenities you choose to partake in. A base fee which covers the cost of the common area grounds, as well as your personal property, and in and outside home maintenance warranty, as well as supplemental services that can be added on for an additional fee.  This service can be added on a monthly or yearly basis.  Monthly services being able to be cancelled at any time and yearly services at a discount but nonrefundable.  Supplemental services such as:
    1. Weekly housecleaning
    2. Meal Plans (both dining in and carry out services)
    3. Personal Fitness Programs
    4. Club Activities (i.e. bridge club, golf club, pool club, etc…)
    5. Utility package – (Pay a one size fit all fee monthly for electricity, water, internet, landline phone service, and water)

Again the grounds should also offer some form of recreation, as we age we become less mobile so having things available at arms reach is key to keeping our baby boomers, booming with active, vibrant, and healthy lives.  For this reason these communities should offer shopping options, recreational options, and services.

  1. Shopping Options
    1. Dollar store
    2. Gift store
    3. Fresh market
    4. Bakery
    5. Clothing boutiques
    6. Video Store
  2. Recreational Options
    1. Pond for fishing
    2. Golf course
    3. Miniature golf
    4. Botanical garden
    5. Walking trail
    6. Park
    7. Movie Theatre
    8. Library
  3. Services
    1. Medical services on site (vision, hearing, dental, general practitioner, chiropractic, naturopathic doctors, o.t.,p.t., s.t., therapy)
    2. Spa & Beauty Salons
    3. Personal Fitness Services

These options are optional and should be based on the interest of the seniors of that area and should be considered on the front end of construction. The more rural the area the more likely you will have to provide services in house, the more centrally located the less amount of services you would need to provide onsite.  Consideration of location and the interests of the people in your area should always be the priority when planning.

The baby boomer generation has a much greater appreciation of home ownership and having something to pass down to their children, even if their children aren’t particularly interested in what they would like to pass down.  Nevertheless, this is a noble thing, and one thing for sure if their children keep living they will live long enough to appreciate the benefits of functional housing that is handicap accessible especially when in combination with a luxurious touch.  If children are too young to take advantage of living in a senior community then renting out the property to other seniors in need of the space is also an option.  Which in the end still makes this property a worthwhile investment attractive to anyone who fits the age criteria.  By having the amenities that are available at arms length they can decide whether or not at any given time if they would like to add on services, and those services will be billed to them beginning that next month for those still independent they still will enjoy the basic services of carefree living, not having to concern themselves with mowing, or major maintenance issues.  Either way this way of thinking and investment in Senior continuum care living is simply a wise choice offering amenities and options for both the independent senior and the assisted needs senior.

If you would like to continue to receive correspondence on this topic and dream with me just a little while longer in aging with dignity follow my blog.  I will be posting more food for thought on this topic as well as reviews of facilities that I have visited.  If you would be interested in investing in building a senior continuum care community also join in on the conversation, at some point it will be time to take what is being written on a blog and see it come to life on land.  The first phase being to invest in land, and the second phase being to invest in architecture and landscaping.  Finally, if financial investment is not something you can do you can begin changing legislation.  Start making your voice heard concerning widening the use of medicaid to include assisted living and memory care as viable placement options or some sort of voucher program for Seniors requiring 24 hour care to be made available for assisted living and memory care facilities.

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When Caught Between A Rock And A Hard Place Concerning Your Loved Ones Care

Its a strange thing having to make decisions for the person who made decisions for you for the first eighteen years of your life, and frankly I wouldn’t wish an ailing parent on anybody.

Learning how to respectfully disobey their desires when what they desire defies reason and puts both your life and theirs in jeopardy is like walking a tight rope.   Trying to make a wise decision in these circumstances are overwhelming, and when the problem is related to partial memory loss the situation is amplified times 1000.

If you would have asked me before I married, moved 12 hours away from home, where my parent would stay in the event of illness the answer was easy, but also because in my mind I never considered memory loss nor the impact caring alone for an individual with memory loss what it took.  Yah  gives you glimpses as I have been blessed to see a family member who has had to be a caregiver for her husband walk it out, but with sons, in-laws, and grandchildren to assist with some of the load.  Of course, they also had the added benefit of living in the area that this person lived their entire life which does assist with at least slowing down the rate of confusion and dementia that a complete separation from home turf could cause.  But when that person would have to move away from everything that is familiar to them to live with you, it is a wild card to say the least.  The support of living siblings become a lifeline, but somewhat out of reach when they are spread out as well.

The fairy tale of reliving dreams, reminiscing over old times, and even enjoying watching television together is replaced with frustration, irritation, and confusion.  The person you confided in, at times even debated, but overall loved and respected looks and sounds like a stranger.  The hope for even a moment of clarity and any spark of connection becomes the straw you grasp for.  It’s a bleak reality, that is compounded all the more if you’re not prepared. Imagine if your parent literally was lost in their own mind and this all happened overnight.  I’m talking a parent who lived alone most of your adult life, they live States away from you, and your siblings and suddenly they have taken ill.  Your status instantly updated from being their child to also becoming their caregiver, what would be your course of action?

Unfortunately, many of us have absolutely no plan mapped out and about the only thing we do know and make known to our loved ones is we don’t want to be in a nursing home. So what are the options? Does a family move across the country to accommodate the wishes of the one parent, at the risk of their family?  Does the ailing parent suffering memory loss move from the only familiar surroundings they know including the people they have known their whole lives to go to a strange land where all they have is you?  And then what do the siblings who also are spread out have to do to see their parent-travel to this new land which could be across country for them? Then, if you do move them only to require more help then you can provide and in the end they still end up in a nursing home, from your home or in their home state.

The mental and emotional challenges are more exhausting then the myriad of paperwork and planning that it takes to make the transition from home to nursing home.  But make no mistake no matter which choice you make your full involvement will be required.

As crazy as this sounds I thank God that even in this tragedy He is opening my eyes to an issue that in the day in and day out of living I never took time to think about.  I wish it didn’t take what it took to open my eyes, but the reality is we are no longer in the society of close knit large families.  In this nation most people stick to the 2.5 children and Lord really be with you if you have less.  The strain and stress of trying to keep up with the Jones’s has caused many of our children to be total strangers to us as they age being more mindful of video games they played, television shows that raised them, and outings with peers because family simply was too busy to raise them.  Babysitters, grandparents, unwed, single, without children siblings pitching in here and there, but parents have spent most of their lives attempting to acquire the “American Dream”.

So what is the mindset of children who were raised by this system when tragedy strikes their parents?  They are equipped to return the favor, alleviate the burdensome situation by placing their parents into the system that they were desperately working so hard to get out of and to free their children from.

Does the child see placing their parent in a nursing home as the opposite of love?  Of course not, if all indeed was done for the sake of the children then as the child grows up this mentality doesn’t change it evolves, and its evolution ends in “let the professionals handle this.”  After all that is the reason why some of us who are not chasing the American Dream won’t pull our children out of the institutions of school and teach them ourselves.

Our generation has not been trained to handle when major problems arise, we can google answers, we can look it up in a book, or ask Sirius, so what should you expect from a mechanical age other then a mechanical answer.  For those of us who would attempt to take in our loved one we live in a society where support from spouses, financial situations, and homes don’t accommodate those with disabilities, and the finances and time that it would take to bring it up to specs still leaves your loved one who needs help now in limbo.  Bottomline, is whether you would take in your parent if you could, or their sickness requires more care then your home could adequately provide and a skilled nursing facility is required whatever your situation is do an assessment, not just for your loved one, but also for yourself.

While you are of sound mind have the conversation with your children or whoever you would entrust your estate to concerning your wishes should that time occur for you.  Also, be reasonable, if you have spent the majority of your life alone with occasional visits from your family, but you have enjoyed your solitude and although you like your kids and family lived your life privately, plan wisely.  Unfortunately, we have not maintained the communal mindset that once was prevalent in this country.  Most people barely speak to their neighbors much less engage in bartering, visiting, and looking out for one another.  So if you are a private person who have an independent rather then co-dependent mentality it is imperative that you take this time to begin looking at options available to accommodate you and the lifestyle you have grown accustomed to.

Living in a nursing home requires living in a community environment and even with the “system driven” mentality that we have been ingrained in we have always kept a clear separation between being involved in systems from without and being a recluse from within.  One thing the American Way has trained us in is having our space, and one of the reasons why the idea of a nursing home rubs us the wrong way if we are honest is the communal aspect of it.  This isn’t the whole but if we are honest we have grown accustomed to having our way, our space, and our privacy.

How do you plan for future changes that must occur because of your health?

  1. Begin having the conversation, first with yourself about what sort of communal environment you would be willing to live in should the need arise.  Don’t be dogmatically against the notion.  Begin considering under what circumstances you would be willing to go to one and begin researching the options that are available based on your income or services in your area.
  2. Be able to articulate to your loved ones your wishes and come together to discuss what role they should play in this process. Remember, you are not in this alone, be vocal with your family and friends what your expectations would be in terms of their involvement with you.  Such things as if home visits would be allowed, if they would be willing to take you to church service on Sunday’s or commit to have a visit from family at least twice a week.  Who you would want to be in charge of finances, your personal effects, etc…  By simply having this conversation while you are in your right mind your brain may have a record of the updated conversation on the issue.  Because if we keep meditating on our past response on the issue, and our adamant opposition to it we will be less willing to concede to it if we are faced with the reality of our condition.  The leading cause of death in nursing homes are Alzheimer’s/Dementia.  Its a disease that’s vastly affecting lots of people and even with the best of care, at the root of the disease is what is left to live for when you remember nothing?  We stay connected primarily because of the people we are connected too.  When we lose that connection life cease to have much meaning to us, and thus for all intense and purposes we are alive, but dead, here but not.  This disease takes its victims while their bodies are still warm, but what accelerates dementia?  Or should I say can it be accelerated?  This may be the only foreseeable means by which you would be comfortable with living in a nursing home.  At this point I am not sure that you would necessarily be willing, but more appropriately less able to vocalize your complaint.  Which unfortunately also puts loved ones at a more vulnerable position, and requires family to be even more attentive towards that persons care for that reason.  Being willing to go to a nursing home is not the same as you actually being required to go to one.  But your willingness to go, and your preparation to go does assist your loved ones should one be required or needed.
  3. Be open minded.  If you are mentally closed off to the possibility then nowhere you go will be good enough.  Research requires that you do some investigating and there are a few things you should keep in mind when investigating.
    1. Make an impromptu visit to local facilities, and particularly on the weekend.  Healthcare is a business like any other so be wise, these places want your business even if they are filled with a waiting list.  In this industry people can be well one day and in the grave the next and just that quick a bed is available.  So recruitment is always fair game. By visiting during off hours you get a chance to see how the unpolished services flow, things like staff attentiveness, treatment of patients, availability of needed services, security, and you get to communicate with people whose check isn’t based on commission or job dependent on recruitment.
    2. Ask other people you know who have had to use these facilities what their experience was like.  If scouring the reviews on the internet is not reliable enough for you then ask your friends.  Chances are someone you know has had to use these facilities for someone or know someone who has.  They can tell you the pros and cons and can save you time and energy in checking these places out.
    3. Begin thinking in advance should the worse occur and your level of care requires more then your family could reasonably handle where you would want to go.  Knowing how bad it can get means it is important for you to know how well the facility meets the needs of its patients.  How clean and happy do the patients who are there look? What does it smell like?  Make sure that you are in the skilled nursing area, we have been to places where the rehab section smells good and looks gorgeous and then when you see the skilled nursing side it is scary and uninviting.  Be sure that if you do an impromptu tour that you are led to the area that would be your home should you be required to stay.
    4. Review all the options of care based on your level of health.  If you were in reasonably good health, such that your family could house you, but you were still fairly independent and know that this would not be something you would be comfortable with on a continuous basis, find out what independent living or assisted living homes would be within your budget and to your liking.  This would have to be an ongoing process. But make sure you journal your records and keep those who you care about updated as you make changes
    5. Write in Pencil.  As stated this industry changes rapidly so don’t get too comfortable and stay connected. Stay regularly aware of changes in management, rotating personnel of your top list contending facilities, these are things you should keep tabs on.  Thankfully, technology does allow for you to get e-mails from some of these places, I encourage you to get them and read them.  If the activities and news you hear doesn’t excite you now then chances are it wouldn’t be of interest to you if your health was impaired. Which means you have to keep that in mind when laying out before your family your desires.
    6. Don’t choose alone.  Its good to have someone to go with you for moral support as you make decisions as well as to think of the things you won’t.  It’s a different thing when you are shopping for yourself, even if it is just for the possibility.  Be able to articulate what you do and don’t like, consider it a buddy system thing, because again the person who is going with you might be looking for you, but by going they are also able to assess somethings for themselves as well.
    7. Top Contenders do a tour.  Those places you are really considering you should do a full tour.  Come again and get the tour of amenities, philosophy of the place, pricing, and options available.  Many of these tours include a meal.  This is very important, for many people the taste of the food can be a deal breaker so knowing how they rank in that arena also is important.

You don’t think about things like this until your faced with the situation and so it wasn’t until I was faced with the situation that I begin to analyze the fact that this can happen to anybody at any given moment and no one is exempt so we can’t afford to be dogmatic that we wouldn’t be willing to go to a nursing home especially if our loved ones are not in a position to care for us.  To the child who would like to take in that parent, but that parent doesn’t really want to stay with you either, or even if they did want to stay with you, your living situation wouldn’t accommodate it find a suitable compromise.  I believe at the heart of the issue with skilled nursing facilities is getting a good one, and indeed that is challenging.  You will have to make some compromises and if your parent’s memory is gone enough that they don’t know who they are or where they are then you may want to consider moving them into a facility near you or near a relative who would have the time it would take to visit them regularly, develop rapport with the staff and hold their feet to the fire.  Otherwise, if left with no one to visit there is no telling what condition your parent will be in when you do finally visit.  This is an area where micromanagement is needed. Also, depending on their level of care you may want to consider having them in a nursing home, but taking them home with you for weekend visits or short vacations.  Done regularly and consistently one can achieve the benefits of assisted quality care and spending quality time with their parent that when they were well was probably not spent.

Please be advised I am not bashing anyone who finds themselves between this rock and a hard place, because I am there with you.  I had to really pray to God and be at peace about the possibility of having to put my loved one in a skilled nursing facility.  The same questions I am posing I had to ask, should I bring them where I am or leave them where they are.  I wish I could tell you I had a definitive answer, but the answer is still in the making, but I can say that I have a peace now that should I need to place them in a facility, I can be okay with that decision.  You have to know your parent, know yourself, and know what is first in their best interest, and finally what is reasonably within your ability to do.  Just make sure that you do for your loved one what you would want someone to do for you.

We don’t know how we are going to leave this life the only thing we know is that we are going to leave it and so it behooves us to do a little bit of preparation for the unlikely but possible event that could cause us to live before we wake up, and that’s if we do.  There are loved ones who have outlived some of their children with Alzheimer’s, and many times the caregivers leave before the ones being cared for.  We invest in funeral insurance and life insurance policies but we don’t invest what is most important to invest in while you are still alive, in the event that we don’t peacefully die in our sleep before losing our minds or our health.  We don’t invest in spending time at nursing homes visiting those who have been put away, forgotten, never realizing that if it wasn’t for the grace of God we could be in the same situation, and as long as we are still living we don’t realize that there is no guarantee that this reality isn’t in our future.  I am not saying all of this to get you fixated on any of this, by all means I am not suggesting make this your life’s work searching out a place you can be placed in the event sickness strikes.  The greater message I hope to convey is while you are well, spend the time you have with the people you would want to spend time with if you were sick.

The greatest inheritance you can pass down to your kids is not houses, cars, or stocks and bonds, but the gift that keeps giving compassion, and love.  Trust me if you should find yourself in this situation there are going to be people who you will want to care for your loved ones as though they were their loved ones, and trust me money doesn’t guarantee the best service.  You can spend good money on someone caring for your parent and your parent be treated as subhuman, but it would be that person who gets paid the least, but loves your parent the most that will give you that priceless service.  These are the things that the American Dream can’t buy for you, only loyal family and friends, and love and favor from the Lord.

I am working on a book/documentary called “If I Should Live Before I Wake” if these articles are blessing you and you want to be kept aware, I encourage you to follow me and as the articles drop you will be notified.

High Security to Your Own Demise: The Side Effects of Behind the Times Banking

Had I known the challenges that awaited us in banking with a company who has chosen to be left behind in the dark ages.   I know for many especially the elderly it is comforting banking with smaller banks that have chosen NOT to crossover to the more technologically advanced systems we have today.  There is a blatant distrust of the security of all these fancy high tech options that are now available at our fingertips, and the ability to have that hospitality of the good ole days and that constant contact with that family feel of banking in person, well it is nostalgic, and definitely provides a more personal touch and can make for a more high security atmosphere, at least one would think.  However, with most things in life for every pro there are considerable cons and if you are prone to sickness which tends to be par for the course with the loveliness of aging this antiquated way of handling business can become a serious crutch.

The first thing I would like to point out is if you are aging, and especially if your children or the one who you would entrust to make decisions concerning your welfare in the event of an unexpected illness should occur I would recommend you get a joint account.  This should be done no matter who you bank with.  One sure way for things to go aerie with your credit, your possessions, and potential trouble with the IRS is to be in a situation where no one can access your cash.  However, I will say that if the unexpected sickness occurs and your recovery takes longer then a month’s billing cycle then you can put your family in a very compromising position and these out of date banks can add strain to an already strenuous situation for those responsible for handling business in your absence.   Bottomline, no matter how sweet and courteous your local banker can be, make no mistake they are going to abide by the established bank guidelines and regulations set up by their employers and unfortunately that could mean that if family doesn’t have the discretionary income to cover your short fall that you are going to be in serious trouble with a lot of people and may even find yourself if the illness prolongs beyond expected in a situation where you could be homeless.  Having said that there are several things that my experience in this situation has caused me to consider and questions you would be wise to ask your banker if they provide.

  • What does a joint bank account give my joint account holder access too?
  • If I do not have an ATM card or debit card, and I become too ill to come into the bank myself can my joint account holder apply for an ATM card on my account to access money for me?
  • What type of legal documentation would be acceptable for conducting business concerning my account and what type of changes would this documentation provide for them?

Most of us would like to think that we will always have our wits about us, but the reality is this is not a guarantee.  Read the statistics yourself to see what can happen in your future.  Look at your own genetic history and uncover the incidences of diseases that affect mental health in your family.  The more extensive that is the more prone or susceptible you are to suffering from similar diseases of the same kind.  Unfortunately, we don’t take time to think about these things and when tragedy strikes it is too late to retro-activate anything and believe me the strain of a financial burden on your loved ones who already have to cope with the emotional and mental stress of your health situation makes a bad situation desperate.

Other important options that your bank need to offer is online access.  Of course this would be archaic if such a bank existed and didn’t offer it, but beyond that there are a few things that any potential bank should give you access too..

  • Bill pay options – This option should allow for you to pay people directly as well as set up accounts for monthly service payments. Make sure autopay is also available, again, a loved one shouldn’t have to be caught between caring for their loved one and remembering to pay your bills on time.  Auto access alleviates that for them.
  • Mobile access – We live in a society where we are constantly on the move. Having access on a mobile phone means that I am not bound by buildings, nor have to be home to handle affairs quickly and promptly for you.  Making things easier on the caregiver means that they have more time to focus on what is most pressing, your care.  Mobile access also means that any checks that must come to your caregiver who may not live where you do can make it possible for them to deposit cash in your account remotely, and quickly.  Mobile deposits for many banks show up the same day you deposit it.

Finally, I realize living in a global society that identity theft and hacking is a real serious threat to our financial security and our piece of mind.  However, I would encourage you not to fear using these avenues, but instead educate yourself in learning how to safely use these tools.  Remember, there is no bank that does not use the internet as a tool to access your account information.  If they can find a safe way of protecting your identity while accessing your information online, certainly so can you.  These are just a few tips  from a series of information I will be providing for those who are interested in having the conversation we need to have on preparing for our golden years.  This article is part of a section that will be in a book, and perhaps at some point a documentary called, “If I should live before I wake.”

High Security to Your Own Demise: The Side Effects of Behind the Times Banking

Had I known the challenges that awaited us in banking with a company who has chosen to be left behind in the dark ages.   I know for many especially the elderly it is comforting banking with smaller banks that have chosen NOT to crossover to the more technologically advanced systems we have today.  There is a blatant distrust of the security of all these fancy high tech options that are now available at our fingertips, and the ability to have that hospitality of the good ole days and that constant contact with that family feel of banking in person, well it is nostalgic, and definitely provides a more personal touch and can make for a more high security atmosphere, at least one would think.  However, with most things in life for every pro there are considerable cons and if you are prone to sickness which tends to be par for the course with the loveliness of aging this antiquated way of handling business can become a serious crutch.

The first thing I would like to point out is if you are aging, and especially if your children or the one who you would entrust to make decisions concerning your welfare in the event of an unexpected illness should occur I would recommend you get a joint account.  This should be done no matter who you bank with.  One sure way for things to go aerie with your credit, your possessions, and potential trouble with the IRS is to be in a situation where no one can access your cash.  However, I will say that if the unexpected sickness occurs and your recovery takes longer then a month’s billing cycle then you can put your family in a very compromising position and these out of date banks can add strain to an already strenuous situation for those responsible for handling business in your absence.   Bottomline, no matter how sweet and courteous your local banker can be, make no mistake they are going to abide by the established bank guidelines and regulations set up by their employers and unfortunately that could mean that if family doesn’t have the discretionary income to cover your short fall that you are going to be in serious trouble with a lot of people and may even find yourself if the illness prolongs beyond expected in a situation where you could be homeless.  Having said that there are several things that my experience in this situation has caused me to consider and questions you would be wise to ask your banker if they provide.

  • What does a joint bank account give my joint account holder access too?
  • If I do not have an ATM card or debit card, and I become too ill to come into the bank myself can my joint account holder apply for an ATM card on my account to access money for me?
  • What type of legal documentation would be acceptable for conducting business concerning my account and what type of changes would this documentation provide for them?

Most of us would like to think that we will always have our wits about us, but the reality is this is not a guarantee.  Read the statistics yourself to see what can happen in your future.  Look at your own genetic history and uncover the incidences of diseases that affect mental health in your family.  The more extensive that is the more prone or susceptible you are to suffering from similar diseases of the same kind.  Unfortunately, we don’t take time to think about these things and when tragedy strikes it is too late to retro-activate anything and believe me the strain of a financial burden on your loved ones who already have to cope with the emotional and mental stress of your health situation makes a bad situation desperate.

Other important options that your bank need to offer is online access.  Of course this would be archaic if such a bank existed and didn’t offer it, but beyond that there are a few things that any potential bank should give you access too..

  • Bill pay options – This option should allow for you to pay people directly as well as set up accounts for monthly service payments. Make sure autopay is also available, again, a loved one shouldn’t have to be caught between caring for their loved one and remembering to pay your bills on time.  Auto access alleviates that for them.
  • Mobile access – We live in a society where we are constantly on the move. Having access on a mobile phone means that I am not bound by buildings, nor have to be home to handle affairs quickly and promptly for you.  Making things easier on the caregiver means that they have more time to focus on what is most pressing, your care.  Mobile access also means that any checks that must come to your caregiver who may not live where you do can make it possible for them to deposit cash in your account remotely, and quickly.  Mobile deposits for many banks show up the same day you deposit it.

Finally, I realize living in a global society that identity theft and hacking is a real serious threat to our financial security and our piece of mind.  However, I would encourage you not to fear using these avenues, but instead educate yourself in learning how to safely use these tools.  Remember, there is no bank that does not use the internet as a tool to access your account information.  If they can find a safe way of protecting your identity while accessing your information online, certainly so can you.  These are just a few tips  from a series of information I will be providing for those who are interested in having the conversation we need to have on preparing for our golden years.  This article is part of a section that will be in a book, and perhaps at some point a documentary called, “If I should live before I wake.”

 

Knowing The Time How Then Shall We Live

I am humbled when I consider how YHVH has privileged me in this day and hour to know both who I am and what time it is.  Living in a generation where counting to three has proven to be difficult, we have managed to effectively get wrong the one sign the Messiah has given to a wicked and adulterous generation. (Matt. 16:4)  The sign of yet another prophet, Jonah.  Whose life was a prophetic picture of what the Messiah would go through.  From sleeping on the boat during the storm to spending three days and three nights in a place associated with Sheol.  We have not only observed the wrong day, but the wrong feast.  Yet, this day Yah is opening the eyes of those who have a love for the truth.  Whereas through time, bits and pieces of the ancient paths have been metriculating through various individuals we are now beginning to see the flood gates of information opening.  As knowledge is increasing and men going to and fro the lines are being drawn and as it was in the wilderness, those who will stand with the Lord will be the remnant and not the majority.

This year our brother Judah will celebrate 50 years of Jerusalem being in the hands of Israel this Passover, and 70 years of being in the land that was promised to our forefather Abraham.  The name which was fittingly chosen for this land which is called Israel was given to Jacob by the Almighty. (Gen. 32:28)  Who in turn named this name upon Joseph’s two children Ephraim and Manasseh. (Gen. 48:16)  This fiftieth year celebration is not only a Jubilee for Judah, but it is also a Jubilee for the ten lost tribes who are the bearers of the name, Israel.  The name that was given to them by Jacob and in this day they who were scattered and lost are now being set free by the Gospel that was sent specifically to them. (Matt. 15:24)  So as promised in Gen. 15:13 now is the time that YHVH is ready to grant us freedom from the servitude and affliction that has been 400 years accomplished, and a transfer of wealth is going to take place, just as it did in the physical Egypt, so shall it be in the spiritual one.  The nation responsible for such affliction is going to experience judgment, and for that reason we should be making sure that we have taken off the pagan garments that we have sheltered ourselves with for so many years, and begin to yoke ourselves to the truth of Yah’s word.  Even as Messiah delivered Shadrach, Meshach, and Abednego who were, due to captivity, clothed in the clothing of their captors, thrown into a fiery furnace yet experienced no harm to themselves, but found themselves purged of the garments that clothed them of sorts in a consuming fire found themselves purged of the pagan attire, and found unharmed from the furnace, but to the wicked it shall not be so, they shall be consumed.  (Dan. 3)

Now, many of us have been told the truth and due to the power of tradition we continue to wear the pagan garments of Easter (Asherah) and Christmas (Baal), while others of us hungry for the truth find ourselves conflicted and slow of heart to change.  Nevertheless, scripture makes it clear that those who will escape in this hour are not simply going to acknowledge the truth, but love it.  To love it means to live by it, and because of the passion we have for it we are willing to throw away those singed garments desiring rather to be adorned in the apparel chosen for us by the Almighty.  I didn’t say it would be easy and like the three Hebrew boys mentioned earlier it will be a narrow walk which will bring about scorn and ridicule until YHVH openly rewards you with victory for your faithfulness to him.  As we read in Revelation many will rejoice at your demise, again only to have the Almighty raise you up in victory.(Rev. 11)  So, how then shall you live realizing these things?  Well, scripture says it best and I will leave this article with such words,

He that is unjust, let him be unjust still: and he which is filthy, let him be filthy still: and he that is righteous, let him be righteous still: and he that is holy, let him be holy still. And, behold, I come quickly; and my reward is with me, to give every man according as his work shall be. I am Alpha and Omega, the beginning and the end, the first and the last. Blessed are they that do his commandments, that they may have right to the tree of life, and may enter in through the gates into the city. For without are dogs, and sorcerers, and whoremongers, and murderers, and idolaters, and whosoever loveth and maketh a lie.  (Rev 22:11-15)

 

 

How to Understand the Will of YHVH for Your Life Day 7 Creation Week Revelation: Entering the Rest of God

It would seem a vacation after working would be appreciated and desired, but amazingly it’s one of the hardest things for people to do. We are so wired by Egypt to hustle, and bustle, to always be thinking about the next move that we don’t get to enjoy the fruit of the labor we have already done six days of this seven week cycle. Yet, the Creator of the universe rested on the Seventh day, and that alone should be an indication to us that on this journey in life that rest is an essential component to our well-being. Even the things made by man must rest at some point, how we have come to the determination that this is not an essential part of our health is beyond me. Nevertheless, those who refuse to take heed to the counsel of God will find themselves not only not blessed, but stressed.

Rest is a perfect picture of faith, that in a world of chaos and in a physical state that as man we find ourselves in need of such things as food, shelter, and clothing which requires work to acquire, retirement is the thing we are hoping for, yet not seen until well into our future. The goal for many of us is not to work until we are laid down in a casket, but the idea that our time of labor would reap the rewards of having ownership over our time. Where we can do as we please without having to set alarms in the morning, schedule time off for vacation or sickness, or leave for various reasons, but where we can enjoy the years of toil we have put in by having control of our time, talent, and treasury. The picture of rest was so important for us to understand that not only was it incorporated in the Creation week, but it was the first honeymoon given to man, and reiterated as one of the Ten Words (Commandments) we see written in Exodus 20. Yah never wanted us to forget the beginning (Genesis), and He never intended for us to keep our eyes off of the rest that only comes from Him, the Sabbath. Those who serve Him respect his gift of rest and denounce the spirit of Pharaoh that would refuse rest for the people. In this must have it now world it is very easy to side ourselves with the beast system that we are forced to serve and push ourselves to work seven days a week, but our God doesn’t call us to slavery, he calls us to peace. He calls us to rest in him and to recognize that He is our Source; everything else is a resource he provides for us.

 

Remember the sabbath day, to keep it holy. Six days shalt thou labour, and do all thy work: But the seventh day is the sabbath of the LORD thy God: in it thou shalt not do any work, thou, nor thy son, nor thy daughter, thy manservant, nor thy maidservant, nor thy cattle, nor thy stranger that is within thy gates: For in six days the LORD made heaven and earth, the sea, and all that in them is, and rested the seventh day: wherefore the LORD blessed the sabbath day, and hallowed it. (Exo. 20:8-11)

 

Some may believe the focus is simply on taking a day to rest, but I would implore you to study the word Sabbath in scripture. One consistent thing you will find is that the word itself was always synonymous with the seventh day. If that wasn’t clear enough evidence let’s consider the fact that it is connected with the seventh year rest to the land, the Feast of Weeks counts seven Sabbath’s, in which misunderstanding of the day to rest will effect you counting appropriately to the Feast of Weeks. (Deut. 16:9)  The very last thing you want to be is late to an appointment with the Almighty.  Don’t believe me consider the five foolish virgins and their fate for tardiness.  Sounds of weeping and gnashing just doesn’t sound appealing to me. (Matt. 25)  Understanding what it means to rest takes time, because we have to deprogram ourselves from being the one’s in control of our lives, and requires that we trust Yah, and in our society that has it’s busiest shopping day and greatest temptations for pleasure on the seventh day we find ourselves seduced by our own desires.  However, if we ever find that place where we enter into that rest we get just a glimpse of what it will be like in eternity.  We find ourselves quiet enough to understand what it means to take His yoke upon us and to learn of Him. (Matt. 11:30)  We find that in scripture there is only one recorded day that Jesus healed people, and that day is the Sabbath.  I would think that, that alone should be reason enough to make sure we know what day that was, I mean if we are in need of healing we certainly wouldn’t want to miss the day that He will be providing it.  Even the man at the lake called beautiful understood the importance of being at the waters during the time that the Angel was said to trouble it for his breakthrough.

In a world where we are so sick unfortunately we don’t even realize until its destitute that we are in need of healing.  Our soul, our mind, and our bodies have sustained trauma that has had irreparable damage, that no scalpel in the most skillful of hands can cure, only the healing balm of the Almighty can reach those tender spaces.  Those fortunate enough to enter into His rest will find that balm and experience that weekly renewal.  Which is a picture of a much bigger rest to come, after ALL of the enemies of the Almighty are put down, including death itself. (Rev. 20:14)

Points to Ponder

I encourage you to study the Sabbath, make sure that you are resting, and that the day you are resting is in line with the Creator, not just your theology.  It is only the truth of His word that will deliver you NOT the word of man.  Be fully convinced based on the word of God concerning what the Sabbath is, and how we are to keep it.  Here are a few scriptures to start you off.

Gen. 2:2-3; Exo. 20:8-10; Isa. 58

Are You Good or Are You Covered

We in our society seem to be preoccupied with our own goodness. Labels of who`s good and who`s bad seem to be thrown around like pillows across a bed, yet this term is a misnomer. The issue was settled in scripture by the only one who could rightfully be identified as “good”. (Matt. 19:17)  There will be thousands of so called “good” people who will go to hell and their goodness won’t save them, only obedience to the Gospel will. Just as it was in Egypt, believe it or not, not every Egyptian was brutal like Pharaoh was. Much like the culture we have today you have many who didn’t own Hebrew slaves or necessarily mistreat them, many just enjoyed the benefits of a privileged life being a descendant of the prevailing nationality that was in power. Yet, their privilege came to an end when the judgments begin to hit and a distinction was made by the Almighty, but in favor of the oppressed, not the privileged. However, even the oppressed wouldn’t have been spared from the final blow to the Egyptians had they not obeyed the requirements of the gospel, and based on the mixed multitude that left with the Hebrews from Egypt I would venture to say that many of those who were Egyptians or a crossbreed between the two nations reaped the benefits when they obeyed the tenets of the Almighty, which was to accept the Gospel.

Good people from every religion under heaven will meet their fate in hell and it won’t be as a result of the good they did, but as a result of them not applying the blood on the doorpost of their heart as the only acceptable atonement for their sin. For all have sinned and fallen short of the glory of God. (Rom 3:23) Their rejection of allowing the sacrifice of the unblemished Lamb to become a part of their being, and refusing to walk in the faithful trust that every Hebrew who was spared from the loss of a child were responsible to do will be responsible for their destiny. Lack of obedience comes at a great cost and many will pay that cost with their life, for the wages of sin is death. (Rom. 6:23)  The gift has already been extended which leads to eternal life and the “good person” won`t be eligible to obtain it, only the covered person will. So instead of focusing on how “good” we are let`s start focusing on how saved we are, because its not our goodness that will deliver us, but rather His salvation.