Written by webtechs

Assisted Living vs Memory Care

Assisted Living vs Memory Care

If you are searching for the phrase “assisted living vs memory care“, this post should help. There are a lot of things to think about considering the livelihood of your loved one and where they may live.

Assisted Living vs Memory Care

Undertaking a life change can be scary and stressful—possibly a little fun too. For example, if you’re moving into an assisted living community, you might miss your home but are looking forward to forging new roads and friendships and simply making life easier. However, what if you’ve started to notice that your memory is not like what it used to be? You may have heard about “memory care” and might be wondering if it would be appropriate under your circumstances and if you can get it in an assisted living facility. Here are some explanations on what assisted living and memory care are.

What Is Assisted Living?

An assisted living facility is one in which its residents largely lead their lives independently. They do get a little assistance for needs that differ from person to person, possibly with mobility, meal planning, transportation, hygiene or medication. You might be ready for assisted living if it is becoming hard or dangerous for you to go up and down the stairs at home or if driving is starting to get risky.

Assisted living can be in a residential-type neighborhood or large building. Some facilities allow pets and can also consist of laundry as part of the rent or for an extra fee. Learn more about assisted living and take a look at our assisted living checklist.

What Is Memory Care?

Memory care communities will differ considerably from assisted living communities. The residents in memory care communities have serious memory-related and specific requirements. They might not remember who they are on some days and may get angered walking around spaces that they have lived in but now feel unfamiliar with. They may tend to wander off the campus and can present a danger to themselves and to others, particularly if they get aggressive when they are frustrated. Learn more about memory care and take a look at our memory care checklist.

Can You Get Memory Care in Assisted Living?

So, back to the worries about being forgetful. You think you may be okay in assisted living as of now, but what if you need memory care sooner than later?

You can’t receive memory care in assisted living, but there are a lot of communities that integrates a wide range of care. For example, there are places that offer nursing home care, assisted living, and memory care. These types of care take place in its own wing or building, but because you are generally in the same place, transferring from one stage to the next can be a lot easier. The decor shares a lot of common features, and there can also be the same staffers’ faces regardless of where you’re at. It’s also usually easier on your family and friends. Not only can they continually visit the same place, but they also won’t have to take tours every couple of years and make new decisions and as to where you may live. This can be helpful for you as well if you are trying to plan out your options in advance.

Some degree of forgetfulness is typical with aging and doesn’t necessarily suggest serious problems later on. In any case, if you are concerned about your memory, it’s always a good idea to speak with the doctor.

Paying for Assisted Living and Memory Care

One thing assisted living and memory care facilities have in common: Paying for them isn’t as straightforward as many of us would like to believe.

First, assisted living: The state you live in Medicaid’s program may not provide much, toward assisted living. If you are a veteran, the Veterans Administration’s Aid and Attendance benefit can help offset some of your assisted living costs.

In a nutshell, you should still plan to finance assisted living through private means like long-term-care insurance, asset sales, savings accounts, reverse mortgages, settlements, and other financial means. The earlier you purchase long-term-care insurance coverage, your monthly costs could be lower, particularly if you opt for protection against inflation. Don’t get too discouraged if your get denied by one company for your coverage, other companies might still accept you.

Second, memory care: Any of the private means you may use to pay for your assisted living may also be used to pay for your memory care. There is also additional help for veterans and government support available for people who require memory care who are non-veterans. Programs such as Medicaid assistance, although the degree to which they help will vary by state. Also, you can be placed on a waiting list until you can get into a memory care facility, which may possibly not happen if you had private means to pay.

Retirement Communities in Youngtown, Arizona by Ventana Winds Retirement Community

Ventana Winds is an assisted living and memory care facility in Youngtown, Arizona. To schedule a tour of our assisted living facility, SLS Communities or for more information please call us today at 623-583-2460.

Written by webtechs

Is It Possible To Retire Early At Age 30, Age 40, or Age 50

Retirement in itself only came around in the last century or so. Thanks to programs like social security and people living longer, some people can actually look forward to not working for their entire life. And, not only is retirement possible, its coming even sooner than 65 years of age for some people who can gain financial Independence early in life.

Normally, the earliest retirement age is 65 years of age. Early retirement means, retiring before the age of 65, say, retiring  in your early 50’s or early 60’s. And, to take it to even more of an extreme level, some wealthy independents are even retiring even earlier than that, retiring in their late 30’s or early 40’s.

Examples Of Those Who Gained Financial Independence And Retired Extremely Early

Bloggers: Some bloggers started writing early in life before the internet started getting saturated with low quality blogs. Some of these bloggers make millions of dollars just from posting online.

Small Nut + Savings = Retiring Early

Some early retirees gain independence by spending less and downsizing. There are many stories about people living on a small budget of $6,000 to $7,000 a year or so and still being able to live. They might live in full-time RV’s, ride bikes to save on gas, visit thrift stores to save money on clothes, etc. But, they are living the retired life with a small nut, the smaller your nut, the easier it is to maintain.

Although, not all of these retirees on are living on low budgets, some were just smart, made the right moves at the right time and struck it rich.

Although, some don’t consider one retired if they still earn income. However, retirement is actually financial independence with the choice of what they want to do every day. They are not worried about receiving a paycheck.

Usually those who retire much earlier than others are designing their lives, rather than just receiving a salary every two weeks and being locked in to a position. They are designing their lives around freedom and not money.

How Can One Retire Early?

There are three steps to retiring early successfully.

Step 1. Grow your value professionally through career development, work and education. You will need these assets to retire early.

Step 2. Start reducing your consumption and live below your means. Especially when it comes to transportation and housing. You must do these things if you want to have assets that product investment income.

Step 3. Refocus your energy to something you’ll love once you retire. If you want long term happiness, refocusing energy is key. If you love to write, start a blog. If you love to teach, volunteer at a local school. Make sure you choose something that you absolutely love and you can’t go wrong. Also, if that happens to make a little money on the side, there’s nothing wrong with that either.

Most People Think Early Retirement Is Irresponsible Or Impossible To Do.

But, that’s an absolutely false statement! Plenty of people have retired early once their levels of income cover consumption. Depending on how you save, saving 30% per year can have you retiring in 20 years or less. Move that number to 50%, and you can retire earlier than that.

Why Can Some Retire Early But I Can’t?

You can absolutely retire early as well, as long as you start saving now. If you are already past 30, you can still retire by age 50, 15 years before the norm. Lowering consumption is the number one key to saving enough money to invest. Once that investment covers the cost of your consumption, you’re ready to retire.

Most people think that retirees are dead weight and do nothing for the planet. This is false as well. There are plenty of retirees who are still out spending money, living life and having a blast while doing it. Most are out living a life of purpose and are freed from financial burden.

Is It Possible For Everyone To Retire Early?

While I’m sure it is possible in some way, it’s not likely. Not everyone has the capacity, skills or temperament to retire early. Also, some enjoy the fruits of life way too much and aren’t willing to make the sacrifices it takes to lower consumption levels and increase savings. It takes sacrifice and dedication for many years in order to do so, and some people just aren’t cut out for that.

Retirees break the mold of earning vs payout. The extreme early retirees learn how to bring a lot in and put a little out. Many even end up working again but for a deeper purpose.

You should learn something from those who are retiring early, or should I say, retiring early from a 9-5 job, they are not necessarily retiring, but refocusing their energy in a way that brings more happiness and purpose into our lives, even if that does include some work. If the job you are working already brings you happiness and purpose, then great. But if you are like me and want to one day, retire at age 40 or earlier, we better stop spending / consuming as much, and start saving and investing for our future selves. You will thank you past self for doing this!

Written by webtechs

Best Places To Retire In Youngtown Arizona

Ventana Winds recently featured in Sedona Wind’s article title “Best Places To Retire In Arizona 2016“. We were rated #1 for Best Places To Retire In Youngtown Arizona!

Sedona Winds wrote, “Ventana Winds is the best retirement community in Sun City / Youngtown Arizona that offers Assisted Living, Pathway Assisted Living & Memory Care services. Call Ventana Winds Retirement Community Today at (623) 583-2460!”

Read The Full Article Here

Schedule A Tour Of Ventana Winds

Searching for Assisted Living In Sun City or Assisted Living In Youngtown, Arizona? Ventana Winds can help! We offer the highest standard of assisted living services in the Phoenix Metropolitan Area.

Written by webtechs

Checklist For Assisted Living

If you’re looking for a checklist for assisted living that will help you in knowing what you need to look for in an assisted living facility, keep reading!

When you are looking for an assisted living facility, it’s important that you prepare yourself. There are many differences between every assisted living community, no two is alike.

To remain ahead of your game and be organized, below is a checklist you can print and use. You should always compare the differences between communities, asking questions which will help you decide which assisted living community is right for your loved one.

Assisted Living Checklist

Below is an assisted living checklist to have when you go for a visit or call a facility. Simply download the Assisted Living Checklist to ensure you ask the important questions like:

  • Are staff members allowed to administer medications?
  • Do staff members have experience with issues or diagnosing a recipient’s condition?
  • How much staff does the night shift have?
  • Are there nurses staffed 24/7?
  • What is the staff to resident ratio?
  • What types of apartments are available?
  • What type of experience and training do staff members have?
  • Are assessments conducted prior to admission?
  • Can you describe your residents?
  • What is the monthly cost for various types of apartments?
  • What are your policies on billing and payment?
  • How does the discharge process work?
  • Do you have a waiting list? If so, how long is the wait, and what is the policy?
  • Do monthly fees cover all services? If not, what are the costs of the additional services?
  • If a resident requires a change, what services are available to them?

Assisted Living Tour Checklist

Below is an assisted living tour checklist to assist you in knowing what to look for when taking a tour of an assisted living facility.

  • Pay attention to the level of cleanliness.
  • Watch a community event.
  • Do staff members appear friendly?
  • Check out the outdoor area or courtyard.
  • Ask security and staff questions, how do they respond?
  • Eat a meal, does it seem decent?
  • Speak with residents.
  • Ask questions about personal care.
  • Learn more about the move-in and move-out criteria.
  • Follow your instincts.

About Ventana Winds Assisted Living 

Ventana Winds Retirement Community is more than just another retirement community. At Ventana Winds we offer Assisted Living & Memory Care. We are located in Youngtown, Arizona. Our Community offers several options to meet all of your needs. We are conveniently located by everything you need, including terrific restaurants, great shopping, numerous golf courses, cultural centers, sports arenas, and medical offices all within a few miles.

Ventana Winds boasts to be the best retirement location in the West Valley. Our Retirement Community is built for today’s seniors who are looking for a lifestyle that is not only active and stimulating, but also interesting and flexible.

Find Out More About Assisted Living in Youngtown, Arizona

To find out more about assisted living in Arizona, give Ventana Winds Retirement Community a call today at 623-583-2460.

Written by webtechs

Best Place To Retire In Sun City Arizona

Ventana Winds recently featured in Sedona Wind’s article title “Best Places To Retire In Arizona 2017”. We were rated #1 for Best Places To Retire In Youngtown, Arizona!

Sedona Winds wrote, “Ventana Winds is the best retirement community in Sun City that offers Assisted Living, Pathway Assisted Living & Memory Care services. Call Ventana Winds Retirement Community Today at (623) 583-2460!”

Read The Full Article Here

About Ventana Winds Retirement Facility

Ventana Winds (located in Youngtown, Arizona) offers two unique living facilities to choose from. Their three story Assisted Living Facility is surrounded by two beautiful courtyards which appear to be focal point for a lot of their outdoor activities, they also provide lush garden views from the resident’s homes.

Living Quarters: Ventana Winds offers large one & two bedroom Assisted Living apartments.

Amenities: Their large facility offers activity outings, TV room, transportation, activity room, library, billiards, resort style dining room and a sparkling pool.

What Your Apartment Comes With: Microwave, large kitchenette area, refrigerator, window treatments, walk-in closets, individual air conditioning and heat, ceiling fans, bay windows, private patio or balcony, and large floor plans.

Tour Of The Facility

About Sun City, Arizona

Sun City, Arizona has slowly become one of the most active retirement communities in the United States. Sun City hosts a large retirement community about 15 miles from Phoenix and only a short drive from Peoria, Arizona. The population of Sun City around 48k residents and growing. In was first founded in 1960 by Del Webb. Sun City has tons of activities for retirees,  2 bowling centers, 3 country clubs, Viewpoint Lake, and the Sun Bowl..

Most of the retirees who move to Sun City never leave. It’s easy for retirees to find friends, the costs aren’t all that high, it’s easy living and there are endless amounts of things you can do in your spare time.

So Many Options To Choose From

Sun City Arizona has  8 golf courses, 7 recreational centers, and more than 120 clubs. Fun and entertainment are easy to come by in Sun City. It’s also a great place for swimming, sewing, weaving, dancing, singing, and more.

Opportunities Are Limitless

In Sun City, there are so many opportunities to choose from. You spend most of your life working, now it’s time to have some fun.

Explore Sun City Recreation Centers

With so many leisure activities to choose from, you won’t have any trouble finding sport courts, swimming pools, social halls and studies. Each center is a place for all types of different amenities and activities. There are also 2 bowling rinks where you can go bowling, and an amphitheater for performances and concerts.

Don’t Forget About Golf

You can get into 8 golf courses by paying low cardholder fees. There are over 1,000 acres of land in Sun City that is dedicated to golf. You could literally play at a different course every day for 7 days.

Conveniently Located in Youngtown, Arizona

Ventana Winds is located near everything you or your loved one will need.

Medical Offices In Youngtown, Arizona

Government In Youngtown, Arizona

Assisted Living In Sun City & Youngtown, Arizona

Searching for Assisted Living In Sun City or Assisted Living In Youngtown, Arizona? Ventana Winds Retirement Community can help! We offer the highest standard of assisted living services in the Phoenix Metropolitan Area. Call us today at 623-583-2460 for more information or to schedule a tour.

Written by webtechs

Can The IRS Seize My Retirement Money?

The IRS can legally seize a variety of types of retirement money, including IRA’s, 401k plans, and self-employed plans such as SEP-IRAs and Keogh plans.

The IRS can seize your retirement money if you have access to it. Meaning, if you knew that you owed taxes while putting money into a retirement account, they will deem that conduct as flagrant. Any flagrant conduct will open the doors up for the IRS to seize the owed taxes from your retirement account(s). Any type of flagrant conduct, including tax evasion, fraud, or making additional contributions while taxes are owed will legally give the IRS rights to tax your retirement money.

The IRS cannot seize your retirement money if, you can  prove that no flagrant conduct took place or that you depend on your retirement money. The IRS Manual states in that retirement money cannot be levied if the above situations are relevant to your situation.

Ways to protect your Retirement Money From IRS Seizure

Most clients we see are forced to live off retirement income because of losing a job or being laid off. When the 10% early distribution penalty hit, they don’t have a way to pay the owed taxes. So, if your sole source of income is taking distributions from money in your retirement accounts, the Internal Revenue Service will want to liquidate your retirement accounts to pay taxes.

In order to protect your retirement account from IRS seizure is to, first, know that the Internal Revenue Service can only access your money if you can too. If you can’t access your retirement account, then neither can they.

Many people are denied access to their retirement money until they die, retire, become disabled, or don’t have a job anymore. As long as you are employed, the IRS can’t touch your retirement account. Although, in this case, they make look elsewhere, such as your wages or personal assets.

The Internal Revenue Service will back off if you can establish that they have zero rights to your retirement account. Although, there have been cases of aggressive Internal Revenue officers that will levy assets, wages and non retirement assets.

However, the Internal Revenue Service is usually hesitant to levy retirement accounts. Although, it’s always better to have a professional tax person who will assist you in cases like the above.

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