Tuesday 29 January 2013

Toronto Seniors Living Options


   

There are many different types of senior living options available today. Each offers a different lifestyle and level of care. Below is a brief description of some of your options
 

INDEPENDENT RETIREMENT LIVING


There are many intimate and luxurious retirement residences. Independent Retirement Living communities are ideal for seniors capable of living alone and for those who do not require specialized care (though Home Care is available for those who may need extra assistance). The Resort Inspired Retirement community feature private apartments, live-in managers, three meals daily, local transportation, housekeeping, and regularly scheduled social activities to help ensure your retirement years are filled with wellness & vitality.

 




















 

ASSISTED LIVING







Assisted living offers seniors the best of both worlds: the care required to meet your unique needs and the independence you strive to keep. If you or a loved one needs help with some      daily activities like meal preparation, shopping and medication, but doesn't need full time care then an assisted living retirement home may be the ideal senior living option for you.

Assisted living can help residents of all ages who face challenges with memory, mobility or chronic illness. These types of retirement homes assist residents with housekeeping, cooking, mobility and personal hygiene, while also ensuring that the resident's independence is kept intact and health needs are met.









CONTINUING CARE RETIREMENT COMMUNITies(CCRC)
Part independent living, part assisted living and part skilled nursing home, and CCRC’s offer   a tiered approach to the aging process, accommodating residents; changing needs. Upon entering, health adults can reside independently.

When assistance with everyday activities becomes necessary, they can move into assisted living or nursing care facilities. These communities give senior adults the option to live in one location, with much of their future care already figured out.



For a complete list of all your retirement housing options, please don’t hesitate to call me today!


Monday 21 January 2013

The Executor Kit - YOURS FREE - RETAIL VALUE $40.00


Choosing the Right Executor 

1. Make a list of the people you know and trust who could do the executor job well 

2. Consider the advantages of appointing more than one executor to work together. Perhaps neither one alone has all the tools necessary to get the job done, but as a team they do. This also has the benefit of sharing the load on more than one set of shoulders, and providing checks and balances - two heads may well be better than one. 

3. Consider the value of a corporate executor, to reduce strain on family relations and ensure an impartial and expert estate administration 

4. Ask your preferred executor if he or she is willing to accept the role. Be realistic about what the task will involve to elicit a meaningful response, because if your selection is unwilling or unhappy about taking on the responsibility, far better to find out now than to make it an issue after your death

5. If your executor agrees to act, inform affected beneficiaries to prevent unwelcome surprises at the time of death

6. Leave your executor written guidance about what the estate assets consist of, where to locate them, which advisers should be involved, whether family heirlooms require special treatment, and any funeral wishes to be follow. 


Send me an e-mail at wafa@setyoufree.ca or call me at 416-300-6774 for your FREE copy of The Executor  Kit (Retail value $40)

Monday 14 January 2013

Top 5 Travel Destinations - Do you Agree??


Which ones would you choose?



1. Colombia
Until recently Colombia was thought of as a no-go zone for tourists, but travellers are now realising what the locals have always known – Colombia is a gorgeous, friendly country with something for everyone.


2. Laos
With crowded cities, abusive street-hawkers and chaotic traffic, travel in Southeast Asia can be exhausting. In contrast, a visit to the tiny land-locked country of Laos allows weary travellers a chance to lay back and smell the frangipanis.


3. Turkey
Mixing ancient history and a rich Islamic culture with fabulous food and modern nightlife it’s no wonder Turkey’s capital, Istanbul, frequently tops ‘favourite cities’ lists


4. Iceland
The bizarre and spectacular landscapes of Iceland have seen it included in many top travel lists for 2012. Away from the exciting capital of Reykjavik, you can find snow-capped mountains, majestic glaciers, lava fields and other natural wonders so fantastically weird they’ve inspired their own folklore. 2012 will also see increased activity in volcanoes and the northern lights.


5. London
London is one of those cities where you feel as if you’re at the centre of the universe.






Are you or someone you know Buying, Selling, Downsizing or Investing in the Greater Toronto Area? I am happy to  assist with all your Toronto Real Estate needs.


Friday 4 January 2013

9 Things That Will Disappear in Our LifeTime - Do you Agree?

The difference between our world and our kid's world and these changes are well underway. Whether these changes are good or bad depends in part on how we adapt to them. But ready or not, here they come.....

  1. The Post Office 
Get ready to imagine a world without the post office. They are so deeply in financial trouble that there is probably no way to sustain it long term. Email, Fed Ex, and UPS have just about wiped out the minimum revenue needed to keep the post office alive. Most of your mail every day is junk mail and bills.

  2. The Cheque
 Britain is already laying the groundwork to do away with cheque by 2018. It costs the financial system billions of dollars a year to process cheques. Plastic cards and online transactions will lead to the eventual demise of the cheque. This plays right into the death of the post office. If you never paid your bills by mail and never received them by mail, the post office would absolutely go out of business.

  3. The Newspaper 
The younger generation simply doesn't read the newspaper. They certainly don't subscribe to a daily delivered print edition. That may go the way of the milkman and the laundry man. As for reading the paper online, get ready to pay for it. The rise in mobile Internet devices and e-readers has caused all the newspaper and magazine publishers to form an alliance. They have met with Apple, Amazon, and the major cell phone companies to develop a model for paid subscription services.

  4. The Book 
You say you will never give up the physical book that you hold in your hand and turn the literal pages. I said the same thing about downloading music from iTunes. I wanted my hard copy CD. But I quickly changed my mind when I discovered that I could get albums for half the price without ever leaving home to get the latest music. The same thing will happen with books. You can browse a bookstore online and even read a preview chapter before you buy. And the price is less than half that of a real book. And think of the convenience! Once you start flicking your fingers on the screen instead of the book, you find that you are lost in the story, can't wait to see what happens next, and you forget that you're holding a gadget instead of a book.

  5. The Land line Telephone
 Unless you have a large family and make a lot of local calls, you don't need it anymore. Most people keep it simply because they've always had it. But you are paying double charges for that extra service. All the cell phone companies will let you call customers using the same cell provider for no charge against your minutes

  6. Music 
This is one of the saddest parts of the change story. The music industry is dying a slow death. Not just because of illegal downloading. It's the lack of innovative new music being given a chance to get to the people who would like to hear it. Greed and corruption is the problem. The record labels and the radio conglomerates are simply self-destructing. Over 40% of the music purchased today is "catalogue items," meaning traditional music that the public is familiar with. Older established artists. This is also true on the live concert circuit. To explore this fascinating and disturbing topic further, check out the book, "Appetite for Self-Destruction" by Steve Knopper, and the video documentary, "Before the Music Dies."

  7. Television 
Revenues to the networks are down dramatically. Not just because of the economy. People are watching TV and movies streamed from their computers. And they're playing games and doing lots of other things that take up the time that used to be spent watching TV. Prime time shows have degenerated down to lower than the lowest common denominator. Cable rates are skyrocketing and commercials run about every 4 minutes and 30 seconds. I say good riddance to most of it. It's time for the cable companies to be put out of our misery. Let the people choose what they want to watch online and through Netflix.

  8. The “Things” that you own 
Many of the very possessions that we used to own are still in our lives, but we may not actually own them in the future. They may simply reside in "the cloud." Today your computer has a hard drive and you store your pictures, music, movies, and documents. Your software is on a CD or DVD, and you can always re-install it if need be. But all of that is changing. Apple, Microsoft, and Google are all finishing up their latest "cloud services." That means that when you turn on a computer, the Internet will be built into the operating system. So, Windows, Google, and the Mac OS will be tied straight into the Internet. If you click an icon, it will open something in the Internet cloud. If you save something, it will be saved to the cloud. And you may pay a monthly subscription fee to the cloud provider. In this virtual world, you can access your music or your books, or your whatever from any laptop or handheld device. That's the good news. But, will you actually own any of this "stuff" or will it all be able to disappear at any moment in a big "Poof?" Will most of the things in our lives be disposable and whimsical? It makes you want to run to the closet and pull out that photo album, grab a book from the shelf, or open up a CD case and pull out the insert.

9. Privacy
 If there ever was a concept that we can look back on nostalgically, it would be privacy. That's gone. It's been gone for a long time anyway. There are cameras on the street, in most of the buildings, and even built into your computer and cell phone. But you can be sure that 24/7, "They" know who you are and where you are, right down to the GPS coordinates, and the Google Street View. If you buy something, your habit is put into a zillion profiles, and your ads will change to reflect those habits. "They" will try to get you to buy something else. Again and again.

 All we will have left that can't be changed are "Memories"... And then probably Alzheimer’s will take that away from you too!