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Mountain View News Saturday, March 25, 2023
SENIOR HAPPENINGS
ASSISTED LIVING OR NURSING HOME?
There are many myths about Assisted Living being like
Nursing Homes. This is not true at all. Nursing facilities
are for those with chronic health issues who require care
around the clock from medical professionals.
In Assisted Living, one will get the support as needed,
such as getting help with showering, grooming, and
dressing. Again, these services are based on the seniors
needs.
There are many reasons in working with us. At Safe Path
for Seniors, we will assess the senior and depending on their care needs and budget, make recommendations.
For example, we may suggest that the right fit is a Board and Care Home (normally a 6-bedroom house) as
opposed to an Assisted Living Community or a Memory Support Facility. You will work with an experienced
agent who
knows the industry well and will give you recommendations. The good news is that there is no cost for this
service.
If you have any questions about placing a loved one, visit www.safepathforseniors.com or call Steve at
626-999-6913
HAPPY BIRTHDAY! …March Birthdays*
Cathy Flammer, Clare Marquardt, Karen Blachly, Carla Duplex, Ella
Guttman, Viky Tchatlian, Mary Cooper, Sun Liu, Helen Wallis, Nancy Fox,
Martha Cassara, Rita Johnson, Sharon Murphy, Heather Sheets, Mercedes
Campos, Dorothy Webster,Terri Elder, Carol Cerrina, Amy Putnam, Sally
Contreras
* To add your name to this distinguished list, please call the paper at 626.355.2737.
YEAR of birth not required
DOMINOES TRAIN GAME
1st & 3rd Wednesdays 11:00 am— 12:30 pm Hart Park House
The object of the game is for a player to play all the tiles from their hand onto one or
more trains, emanating from a central hub or “station”. Call Lawren with questions that
you may have.
TEA AND TALK BOOK CLUB
Wednesday, 2/15 9:00 am Hart Park House
Staff has launched a new book club series, Tea and Talk, which meets twice a month
to discuss the fun, suspense, intrigue, love and so much more that each selection will
have in store!
FIBER FRIENDs
Tuesday, 1/17 10:00 am Hart Park House
If you enjoy knitting, crocheting, embroidery, needlepoint, bunka, huck, tatting or
cross stitch then we have a group for you! Bring your current project, sit and chat
with like-minded fiber friends.
HULA AND POLYNESIAN DANCE
Every Friday 10-10:45 am
Bring a lei, your flower skirt or just your desire to dance! Hula in the Park is back
and waiting for you to join in on all the fun! Memorial Park Pavilion.
CHAIR YOGA
Every Monday and Wednesday 10-10:45 am
Please join us for some gentle stretching, yoga, balance exercise and overall relaxation
with Paul. Classes are ongoing and held in the Memorial Park Covered Pavilion
or the Hart Park House.
BINGO
Thursday, 1/19 Hart Park House 1:00 pm-2:00 pm
Please join in a fun and lively game of BINGO. Several rounds fun will be had with
prizes for each rounds winner.
HOW TO CHOOSE AN ASSISTED LIVING FACILITY
Dear Savvy Senior:
What’s the best way to go about choosing an assisted
living facility for my 86-year-old father? Since mom
died last year, his health has declined to the point that
he can’t live at home anymore but isn’t ready for a
nursing home either. Searching Susan
Dear Susan:
If your dad needs help with things like bathing,
dressing, preparing meals, managing his medica-
tions or just getting around, an assisted living facility
is definitely a good option to consider.
Assisted living facilities are residential communities
that offer different levels of health or personal
care services for seniors who want or need help with
daily living.
There are nearly 29,000 assisted living communities
(also called board and care, supportive-care or
residential-care facilities) in the U.S. today, some of
which are part of a retirement community or nursing
home. Most facilities have anywhere between 10
and 100 suites, varying in size from a single room to
a full apartment. And some even offer special memory
care units for residents with dementia.
To help you choose a good assisted living facility for
your dad, here are some steps to follow.
Make a list: There are several sources you can turn
to for referrals to top assisted living communities
in your area including your dad’s doctor or nearby
hospital discharge planner; friends or neighbors
who’ve had a loved one in assisted living; or you can
do an online search at Caring.com.
Do some research: To research the communities on
your list, put a call into your long-term care ombudsman.
This is a government official who investigates
long-term care facility complaints and advocates for
residents and their families. This person can help
you find the latest health inspection reports on specific
assisted living facilities and can tell you which
ones have had complaints or other problems in the
past. To find your local ombudsman visit LTCombudsman.
org.
Call the facilities: Once you’ve identified a few good
assisted living facilities, call them to see if they have
any vacancies, what they charge and if they provide
the types of services your father needs.
Tour your top choices: During your visit, notice the
cleanliness and smell of the facility. Is it homey and
inviting? Does the staff seem responsive and kind to
its residents? Also be sure to taste the food, and talk
to the residents and their family members, if available.
It’s also a good idea to visit several times at different
times of the day and different days of the week
to get a broader perspective.
On your facility visit, get a copy of the admissions
contract and the residence rules that outline the
fees (and any extra charges), services and residents’
rights, and explanations for when a resident might
be asked to leave because their condition has worsened,
and they require more care than the facility
can provide.
Also, find out their staff turnover rate, COVID infection-
control procedures and if and when medical
professionals are on site. To help you rate your
visit, Caring.com offers a checklist of questions that
you can download and print at Caring.com/static/
checklist-AL-tour.pdf.
How to pay: Monthly costs for assisted living ranges
anywhere from $2,500 to $6,000 or more, depend-
ing on where you live, the facility you choose, and
the services provided. Since Medicare does not cover
assisted living, most residents pay out-of-pocket
from their own personal funds, and some have long-
term care insurance policies.
If your dad has limited financial resources and can’t
afford this, most states now have Medicaid waiver
programs that help pay for assisted living. Or, if
he’s a veteran, he may be able to get funds through
the VA’s Aid and Attendance benefit. To find out
about these programs, ask the assisted living facility
director, or contact his local Medicaid office
(see Medicaid.gov) or the regional VA benefit office
(800–827–1000).
Send your senior questions to: Savvy Senior, P.O.
Box 5443, Norman, OK 73070, or visit SavvySenior.
org. Jim Miller is a contributor to the NBC Today
show and author of “The Savvy Senior” book.
OUT TO PASTOR
A Weekly Religion Column by Rev. James Snyder
I'M SO POOR I CAN'T PAY ATTENTION!
Occasionally I go to my computer and search for the wealthiest
preachers in America. I am curious to know who came up with this
idea, but I check it out occasionally to see who they are.
As often as I have checked this information, I have never found my
name on that list. I so much wanted to see my name on that list. Everybody knows
that the Internet never lies. So, I need to accept that I am not one of the wealthiest
preachers in America. Poor me!
That may explain many things in my life that I did not quite understand before.
When traveling in the Sissy Van, The Gracious Mistress of the Parsonage is always
behind the steering wheel. I make it a point not to drive that Sissy Van anymore than
I have to.
As we drive, my wife will say, "Did you see that car? They're from Idaho."
Of course, I did not see it because I was not paying attention. When The Gracious
Mistress of the Parsonage drives, she focuses on everything within her focus. Even
when driving my truck, and she is in the passenger seat, she sees everything around
her. Do not let this get back to her, but she sees things that I do not think exist. I will
never contest her on that subject.
Unlike my wife, I don't have that much focus to see everything that is happening
around me. Once when she asked me if I saw something, I replied, "No, I'm just too
poor to pay attention."
I laughed, of course, but she didn't think it was funny.
Driving across town to church one Sunday morning, she said, "Did you see that sign?
What did it say?" I didn't see it, so I responded, "I'm sorry, but I'm too poor to pay
attention." Then I chuckled. She just threw me one of her infamous grimaces.
For some reason, she believes I should pay attention to everything around me. I don't
know why because I'm not interested in many of the things around me. And, I am too
poor to pay attention.
While driving to an appointment the other day, I asked, "Could I borrow a dollar from
you?" She looked at me quizzically and said, "Why do you need a dollar from me?"
"Oh," I said softly, "I just need some money to pay attention while you're driving."
She did not respond to me; of course, she never gave me that dollar. So I tried to explain
to her that it is very expensive to pay attention. I don't think she believed me.
Several weeks later, we went to our Sunday morning church service, and I noticed a
license plate and said, "Look at that license plate. They're from Montana."
There was silence on the other side of the car, and finally, she looked at me and said,
"Where did you get that dollar?"
I had no idea what she was talking about, so I just said, "What dollar are you talking
about?"
She snickered like I had not heard her snicker in a long time and said, "You know, the
dollar so that you can pay attention." The only thing I can say is that she has enough
money to pay attention to everything, even some things I don't know.
Having enough money to pay attention to everything around you must be nice. I'm
sure my life would change if I could afford to pay attention to everything.
The Gracious Mistress of the Parsonage can pay attention even when fast asleep. One
time we were taking a trip to St. Augustine. She leaned back in her side and took a
nap. At least, I thought she was asleep.
I was coming to where I needed to turn, but I wasn't sure if this was the right place. As
I slowed down, I heard The Gracious Mistress of the Parsonage say, "No, you need to
turn at the next light." Looking over, I saw her eyes were closed, and it looked like she
was sound asleep. She is rich enough to pay attention even when she is sound asleep.
I often wonder where she has all this money, probably in the Central Bank of Mind
Your Own Business.
Watching television, suddenly, The Gracious Mistress of the Parsonage said, "Did you
see that? I wonder who that is?" I begin to say, "No…." My wife jumped in and said,
"I know, dear, you're too poor to have paid attention."
Boy, has she got me figured out? I'm going to have to open up some kind of a savings
account, maybe a little piggy bank, and try to save up enough money to finance my
poor attention. So far, The Gracious Mistress of the Parsonage has refused to loan me
money for this cause.
During my Bible reading recently, I read 1 Timothy 6:9-10, "But they that will be
rich fall into temptation and a snare, and into many foolish and hurtful lusts, which
drown men in destruction and perdition. For the love of money is the root of all evil:
which while some coveted after, they have erred from the faith, and pierced themselves
through with many sorrows."
Being rich does have its challenge, which I will never face. The disturbing aspect of
this passage is where Paul says, "the love of money is the root of all evil." That is my
temptation.
Dr. James L. Snyder lives in Ocala, FL with the Gracious Mistress of the Parsonage.
Telephone 1-352-216-3025, e-mail jamessnyder51@gmail.com, website www.jamessnyderministries.
com.
FAMILY MATTERS
By Marc Garlett
PROBATE: WHAT IT IS AND HOW IT WORKS
Unless you’ve created a
proper estate plan, when
you die many of your
assets must first pass
through the court process
known as probate
before those assets can be
distributed to your heirs.
Like most court proceedings,
probate is time-consuming,
costly, and open
to the public, and because of this, avoiding probate—
and keeping your family out of court—is a central
goal of most estate planning.
How Probate Works
How probate begins depends on whether you have a
valid will in place at the time of death. A will allows
you to appoint an executor for your estate, waive
bond for that person, and name your beneficiaries
and what they will receive. Without a will, or the will
is deemed invalid, the Court determines those details.
Otherwise, the probate process itself plays out
similarly, regardless of a will or not.
1. Authenticating the Validity of Your Will: Following
your death, your executor is responsible for filing
your will and death certificate with the court, and
this initiates the probate process. From there, the
court must authenticate your will to ensure it was
properly created and executed in accordance with
state law, and this may involve a court hearing.
Notice of the hearing must be given to all the beneficiaries
named in your will, along with all potential
heirs who would stand to inherit under state
law in the absence of a will. This hearing gives these
individuals the opportunity to contest the validity
of your will on the grounds that it was improperly
executed (signed and witnessed) as required by state
law, or that you were unduly influenced or coerced
into signing the will. If such a contest is successful,
the court declares your will invalid, which effectively
means you died without a will.
2. Appointing the Executor or Administrator: If
your will is validated, the court must formally appoint
the person you named in your will as your
executor before they can legally act on your behalf.
If you died without a will, the court would appoint
someone—typically your closest living relative—to
serve in this role, known as your personal representative
or administrator.
In some cases, the court might require your executor
to post a bond before they can serve. The bond functions
as an insurance policy to reimburse the estate
in the event the executor makes a serious error during
probate that financially damages the estate.
3. Locating & Valuing Your Assets: Once probate
begins, the executor must identify, locate, and take
possession of all your assets, so the value of your estate
can be protected and maintained. Any assets the
executor is unable to locate will end up in our State
Controller's Office (SCO). In California, more than
$8 billion (yes, that’s billion with a ‘b’) of assets are
unclaimed property held by the SCO. Fortunately,
this is easy to prevent when you create – or work with
an attorney who will help you create – a comprehensive
asset inventory, and make sure this inventory
stays updated throughout your lifetime.
In the case of real estate, the executor is required to
ensure that your mortgage, homeowners insurance,
and property taxes are paid while probate is ongoing.
These and all other debts can be paid from your
estate. Once all your assets have been located, the executor
must determine their value, which is typically
done using financial statements and/or appraisals.
From there, the combined value of all your assets is
used to estimate the total value of your estate.
4. Notifying & Paying Your Creditors: To ensure all
your outstanding debts are paid before your assets
are distributed, the executor must notify all your
creditors of your death. In California, any unknown
creditors can be notified by publishing a death notice
with your local newspaper.
Creditors typically have four months after being notified
to make claims against your estate. The executor
can challenge any creditor claims he or she considers
invalid, and in turn, the creditor can petition
the court to rule on whether the claim must be paid.
From there, valid creditor claims are then paid. The
executor will use your estate funds to pay all your
final bills, including any outstanding medical and
funeral expenses.
5. Filing & Paying Your Taxes: In addition to paying
all your outstanding private debts, the executor is
also responsible for filing and paying any outstanding
taxes you owe at the time of death. This includes
personal income and capital-gains taxes, as well as
any state and federal estate taxes due.
That said, the federal estate tax exemption is currently
set at $11.7 million for individuals and $23.4
million for married couples, so most families won’t
have to worry about estate taxes (and for those who
do exceed that threshold, there are several strategies
you can use to reduce the size of your estate to
avoid these taxes). Any taxes due are paid from estate
funds. In some cases, this may require liquidating
assets to raise the needed cash.
6. Distribution Of Your Remaining Assets: Once the
court confirms all of your debts and taxes have been
paid—which typically requires the executor to file
an accounting of all transactions he or she engaged
in during the probate process—the executor can petition
the court for authorization to distribute the
remaining assets in your estate to the beneficiaries
named in your will, or according to state intestate
succession laws, if you didn’t have a will.
Once all assets have been distributed, the executor
must file a petition with the court to close probate.
If all creditors and taxes have been paid, your assets
have been distributed, and there are no other outstanding
issues to be addressed, the court will issue
an order formally closing the estate and terminating
the executor’s
appointment.
Marc Garlett, Esq.
Cali Law Family Legacy Matters
www.caliLaw.com
626.355.4000
Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285 Email: editor@mtnviewsnews.com Website: www.mtnviewsnews.com
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