Tips to Turn Your Home Friendly for Elder Family Members

Your family members are getting older. Daily routines and activities are getting harder for them to do. You may be facing a cross roads for their care. You want the best for them yet want to maintain their independence and dignity.

The following options are limited and can be emotional:

-Move them in with you, which may disturb your current family functioning, and care for them yourself. This may be the most disruptive lifestyle option.

-Move them into assisted living or independent living communities where others can care for them. This is the most expensive option.

-Convert their current home into a more comfortable environment for them. This option helps bridge them from functioning until they absolutely need assisted care-giving.

Most are reluctant to move out of their home into a community even an independent community because of financial reasons or reluctant to leave their current community and/or home.

Making some changes in their current home is a temporary fix but can help maintain their independence until they are no longer able to function on their own.

Some options to look at when making their home more comfortable for their later years include:

-Wheelchair/Walker accessibility/maneuverability

-Arthritis-related needs

-Ba-thing/bathroom accessories

Doorway widening:

When accommodating wheelchairs and/or walkers, you may want to look into widening doorways. If the doorway is not in a load-bearing wall, this can be a moderate construction project.

1. Remove current door, door frame, hinges and door jamb.
2. Cut into the drywall and possibly studs (2x4s).
3. Replace the inner studs with existing or new 2x4s.
4. Re-frame, re-hinge and re-install the door jamb with a wider door.

Ramp installation:

Wheel chairs may require installing ramps. These are typically pre-made with various heights and widths and just involve the purchasing and placement of them. You can also create your own with 2×4, 2×8 or 2×6 for the triangular frame and plywood for the slanted flat surface. You can furnish/dress it in desired flooring to mesh with the home’s design.

Arthritis-friendly faucets/handles:

Arthritis is a common problem among the elderly, and installing arthritis-friendly faucets and door handles can help with the comfort and ease of every-day accessibility.

Grab bars/railings:

Grab rails/hand railings are also helpful in trouble spots such as the bathroom, small/large stairways, next to the bed, in the tub/shower. These are available in a variety of colors, styles, lengths and base materials.

Shower/Tub Seats:

Shower/Tub seats are another helpful tool for routine activities. These are best used with shower hoses for bathing/showering purposes.

There are a variety of products available to help accommodate your family members in their older years. Their age-related problems do not always mean that they have to move out. For detailed instructions or product availability, contact your local handyman for recommendations and information.

Finding a Lender for Your Remodeling and Home Improvement Project

Finding a Lender for Your Remodel

If you’ve been dying thinking about how wonderful it would be to have your home remodeled in the image of your dreams, then the next step will be how to get an appropriate lender for your needs. For those new to the lingo, it would be very easy to get lost amidst the sea of terms and concepts related to lending – and we haven’t even gone to which lender would be best for you. So if you are new to the lending biz, here are a few tips to help guide you on your way.

Explore your options, make sure you have a list of credible lending institutions to choose from when refinancing. It would do well if you had a list of institutions followed by the pros and cons plus the terms to each lending institution.

Many financial institutions will offer some sort of credit product especially tailored for home buyers and homeowners who seek to remodel. The best place to start looking is your local bank. Not only are they legal, they are also stable, and will prove to be the standard by which you make your financial decisions.

Your Bank: The First Stop On Your Lending Adventure

Try exploring the loan plans of the bank you deposit with. They will usually give you better interest rates than other banks. When visiting your bank for this purpose, it will do no harm to seek customer service personnel who can explain to you the various loan products and services their bank offers and the ins and outs of managing such agreements. Good banks will also offer advice on what course of action would be best for such situations, having had much experience with such.

If you have applied for other loans before, then this experience will not be any more painful than before. Many of the terms and rules applicable to them are applicable to your refinance loan.

Make sure you understand every detail of the loan. Do not gloss over some parts because you think they are not important, or that they can be omitted or referred to later. Some of the decisions you will have to make regarding your loan must be made with these terms in mind.

Your Mortgage Broker: The Loan Middleman

Mortgage brokers have the advantage of having more loan sources than other people. They will typically be more informed of the ins and outs of the lending business. However, the main issue against them is trust. You will want to associate with mortgage brokers that are trustworthy and honest. Try checking with people you know to get in touch with such brokers. Those of your friends who have had experience with these brokers can give you tips about, feedback on, and references to good mortgage brokers who do their job well.

Finding a mortgage broker is best when you are getting a second mortgage, or refinancing, or a FHA 203(k) mortgage.

Contractors: Last Line of Lending

Some contractors will also offer lending plans. However, finding a good contractor – and one that offers a good loan at that – will be doubly difficult. Their plans may also be a lot trickier to deal with. You will need to approach this option with a lot more caution than with the other options.

When considering their terms, take careful note of the monthly payment they require. If they put too much focus on the monthly payment instead of the total bill, you will have to be very suspicious of their plans.

Your Rights as a Borrower

The federal Truth in Lending Act, Article Z protects you from some of the more ostentatious scams in lending. It states that lenders must disclose their interest rates, costs, plus the total APR along with the terms of the loan for it to be legitimate. If they don’t do so, then you must scoot away from these institutions – but not after refunding your application fee (which is another one of your rights). You can use this information when comparing lenders and choosing from among them.

You should also be aware of the upfront fees which could typically cost anywhere from $50 to $300. Most reputable lenders will keep this fee low, if they charge too much or if they state that these fees are nonrefundable, you would do better with other lending institutions.

Professional House Cleaning Service

Do you want to keep your home clean and fresh? It’s very simple and easy. Search for one of the best services Calgary online to keep your house clean and fresh during a family gathering or a party. There are many services in Calgary to keep your hones sparkling clean. There are a few things you must keep in mind before hiring a service. The first thing is the cost. You have to find the best service in affordable prices and also the one who deliver their work with good professionalism in their work. There are many house cleaning services available and the trick lies in finding the best service that suits your needs to the optimum. One of the best methods to identify the best cleaning services Calgary is to ask for references. The best cleaning services will have a list of references to provide their clients as a credit of their consistent performance.Customers usually recommend good companies with whom they had good experience in terms of performance, quality of work and affordable rates. The website of good cleaning services Calgary must have references and trustworthy testimonials from their clients. Look for a company that have advanced and latest technology equipments in their cleaning service. Your cleaning service company must be able to clean every nook and corner of your room such as doors and windows, floor and frames and also ensure all the carpets are completely vacuumed. The main advantage of hiring professional cleaning services Calgary is their professionalism and the perfection in their work which an amateur is unable to achieve. There is a vast difference in the quality of work provided by a cleaning professional when compared to self cleaning. Locally owned and operated companies provide a high quality of service. House cleaners are professionally trained to do deep cleaning in their service.

It’s a good idea to get your house cleaning done professionally during occasions. Hiring for a professional house cleaning company is undoubtedly a better idea than cleaning your house by yourself. A high degree of cleaning that a company provides cannot be achieved in the absence of specialized cleaning equipments and lack of professionalism. Always insist on references before hiring a house cleaning company. The most important thing about a house cleaning company is that they must be able to provide their service at a time that is convenient for you. Nowadays, most of the companies give their clients the option of green cleaning. Cleaning your homes with eco-friendly green cleaning products is a part of your contribution to a clean environment and making our earth a safer place to live in.

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