Assisted Living Costs

Assisted living residences promise seniors with good quality of life while aging gracefully. Thus, it is often misconceived that living in an assisted living facility costs a fortune which in turn scares people away before having complete and accurate information. In reality, compared to the nursing home costs, assisted living costs are less than half the daily costs of the former. The average assisted living rate has increased by approximately 2.1% from $2,969 monthly to $3,031 monthly.

Comparison of Nursing Home Costs vs. Assisted living costs

Nursing Home Costs (Approximation)
2007
Daily: $189.00
Monthly: $5670.00
Annually: $68,985.00

2008
Daily: $191.00
Monthly: $5,730.00
Annually: $69,715.00

Assisted Living Costs
2007
Daily: $98.00
Monthly: $2969.00
Annually: $35,628.00

2008
Daily: $101.00
Monthly: $3,031.00
Annually: $35,628.00

Monthly based rate costs of the assisted living vary on the services included. Below are the living expenses included in the assisted living monthly value:

- Monthly mortgage or rent (included in assisted living)
- 24 hour security service (included)
- Three meals a day plus snacks (included)
- Utilities (included)
- Housekeeping services (included)
- Daily health aid visitations (included)
- Transportation to off-site activities (included)
- Personal care (included)
- 24 hour emergency call system (included)
- Landscaping/snow removal (included)
- Home maintenance (included)
- Trash removal (included)
- Social and entertainment (included)
- Laundry service (included).
- Property taxes (not applicable)
- Property insurance (not applicable)
- Condominium maintenance fee (not applicable)

When you think these costs are too much for you, there are a lot of financial tools that can improve cash flow and make ends meet. Here are some of the suggested tools where you can find extra money for a good retirement plan.

You can try this checklist to assist you in finding funds for assisted living and begin developing plan for a new lifestyle care for the years to come.

Reverse Mortgage can provide you wi
1000
th a good cash flow, a special type of home loan that lets a homeowner convert a portion of equity in his or her home into cash according to U.S. Department of Housing and Urban Development (HUD) [Source]. This website among others specializes in reverse mortgages.

Long Term Care Insurance also covers a portion of assisted living care and as life expectancy continues to grow many people are now considering this another viable option. But this has marketplace limits. A new approach through public-private insurance for all should emerge where the dollars follow the person-not the provider-and long term care insurance products will have more choices for a wider range of consumers.

You can also let your heirs to collect the bills. It might reduce their inheritance but the value you allocate for you loved ones and for the comfortable lifestyle while growing old is a small price.

Whatever might be your choice in financing ones senior years, the benefits of living in a healthy environment with the support of the family and fostering new relationships is priceless.

Download this ebook for more information regarding assisted living. It includes list of websites that can assist you with your research.

By: DurangoSeniors

Article Directory: http://www.articledashboard.com

Trisha Kellogg is the customer relationship director for Sunshine Gardens Assisted Living Facilities in Durango, Colorado. She is also the moderator for the Senior Citizen Assisted Living Blog organization, which also offers a FREE, complimentary report regarding assisted living insights, guidelines, alternatives and cost comparisons.
www.DurangoSeniors.org.
Her direct phone is 970-385-4090.
mailto:kelloggt@durango.net

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Residential solid trash, also called urban solid waste and municipal solid garbage, is refuse that normally comes from households. It is either in solid or semisolid form. There are five general categories of solid garbage that include:

1) Biodegradable waste: food and kitchen

2) Recyclable material: paper, glass, bottles, cans, metals, and certain plastics.

3) Stagnant rubbish : construction, dirt, rocks, and debris.

4) Assorted waste: clothing, plastics,etc.

5) Household hazardous waste: toxic such as paints, chemicals, light bulbs, spray cans, fertilizer and pesticide containers, batteries,etc.

Cities and towns generally contracts out solid garbage removal services. They will submit bids, assess each bid, and recommend a company. The rubbish company will bill the city or town. These companies are privately owned so if a person has a lot of waste after a project such as home renovation, they can hire a garbage removal company to remove the refuse.

Because of environmental regulations and a growing demand for a cleaner environment, junk companies are now performing the following services:

Recycling Programs: Curbside recycling is usually available to all residential customers. Customers will separate their recyclables according to paper and plastics for curbside pick up. Depending on the contract, this is normally done every two weeks. There can be special recycling programs such as Christmas tree recycling. The trees are then made into mulch. Other special programs a town or city can offer are Spring and Fall Clean Ups. They are designed to encourage residents to get rid of large amounts of garbage.

Hazardous Materials: Every year, millions of people accumulate such hazardous waste products as batteries, paints and stains, cleansers and polishes, motor oil, antifreeze, pesticides and herbicides,etc. These are dangerous to the environment, people, and animals. A rubbish removal service is trained to remove these products safely and responsibly. They will sort and categorize the hazardous materials before storing them in containment units. The contracted hazardous waste hauler packs the items in drums and sends them to hazardous rubbish incinerator or other treatment facility for proper disposal. Some materials, such as used motor oil, lead-acid batteries and antifreeze, are recycled.

Compost Services: Many cities and towns offer a compost service. They will provide compost bins for people to place such items as kitchen food garbage, newspaper, and other items that can be composted. A contracted junk removal company will pick up the compost left on residential curb sides.

Energy Recovery Plants: Plants that convert rubbish to energy are popping up all over the country. These plants burn garbage to heat water which produces steam in much the same way power plants burn coal, oil, natural gas, or wood. The steam can cause a turbine to produce electricity. Junk removal companies that have energy recovery plants in their area will make use of these services.

Special Handling waste Removal Services: Cities and towns will have a contracted service to remove large items such as tires, air conditioners, household appliances, and construction debris. Tires are sent to a recycling or recovery facility and household appliances, after chlorofluorocarbon gas removal, are taken to recycling stations.

Individual Contracted waste Removal Services: There are situations where a person has too much waste to be removed by a city or town removal service. They will then enlist the services of a private company. They are trained and certified to dispose of waste, compost, and recycle residential goods. For a nominal fee, a company will come to your home and remove all of your excess trash.

Because of growing environmental concerns, most companies dispose of waste in ways that will have the least environmental impact. You will feel good knowing that you are doing your part to protect and conserve the environment.

It is important for individuals to be mindful of what is in the trash. That way, the environment can be better protected. If you are looking for a junk removal and rubbish company located in the GTA please visit us at: Garbage Removal Toronto.

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