How to Guide 15

a special section ofThe Lebanon Democratand Mt. Juliet News

2 Lebanon Publishing How to Guide 2015

Assisted LivingQuestions and AnswersWhAt is Assisted Living?Assisted living communities combine housing and personal-ized care designed to meet the particular needs of residents who may require some help with daily activities. Different communities may vary in the exact services they offer, but all should provide a supportive, residential setting in which assistance can be offered. This assistance is most beneficial to those who are unable to continue to live alone (or who desire not to), but who do not need the 24-hour medical care and supervision of a nursing home. Support is provided for all residents based on their own needs, while helping them maintain their level of independence and privacy. Generally, assisted living centers provide three meals each day (served in a common dining room), scheduled transportation, house-keeping services, 24-hour on-duty staff, emergency call systems, health and exercise programs, medication manage-ment, laundry, social/recreational activities and assistance with bathing, eating, grooming and dressing.

The Assisted Living Quality Standard set forth by the As-sisted Living Federation of America states that an assisted living facility should exhibit the following:

Offer cost-effective quality care.Foster independence for each resident.Treat each individual with dignity and respect.Allow for choices in care and lifestyle.Promote individuality.Protect each residents right to privacy.Nurture the residents spirit.Involve families and friends in care planning.Provide a safe environmentMake the assisted living residence a valuable community.Is assisted living appropriate for you?You will have many important decisions to make, and none should be taken lightly. This is a time to reflect on your needs.

Here are several questions that you can ask yourself. If you answer yes to most of these, an assisted living program might be of benefit to you in numerous ways.

Has forgetfulness become a problem?Have you required emergency help?Do you need help to move around your house?Is your house difficult to maintain?Are your present housing expenses excessive for what you need?Do you forget to take medications?Do you need assistance with grooming?Do you miss meals because it is too much trouble to cook?Do you participate in fewer activities?Have your family and friends moved away?Are you becoming more worried about your well-being and safety?Do you miss companionship?

Do you find yourself alone most of the time and not enjoying it?Will assisted living fit your needs?

When you find that you are not able or no longer desire to live alone, but neither independent living nor a nursing home meet your needs, then assisted living may be an ap-propriate choice. Assisted living residences provide benefits not only to the resident but also to the family members in-volved in the care. Many lives are affected by seniors who need assistance, including children, grandchildren and other family members and friends. When the choice is made to move to an assisted living residence, many of the day-to-day needs can be met by professionals, creating peace of mind within the family circle.

hoW do you mAke the decision?When making this decision, it is important that you try to make the most rational decision possible. This can be diffi-cult when emotions are running high. Moving to an assisted living residence does not mean the end of freedom. It means freedom to live more independently. You will no longer need to worry about the responsibilities of your home or be de-pendent on your friends and family. It might be helpful to sit down and write out a list of the advantages an assisted living residence can offer. Things you might write down include:

No home maintenanceSafety and security in a home-like settingNutritious, delicious meals prepared daily for you, with no cooking or clean up afterwardsMaking new friendsSocial and recreational activitiesHelp that is always available, for whatever reason

hoW do you find the right Assisted Living community?Finding the right assisted living residence can be a chal-lenge. You want to find a place where you will be happy, one in which you have confidence and one that can meet your needs. You want to know it will take good care of you, support your independence and your quality of life. It has been shown that the majority of older adults are happy with an assisted living arrangement. There are many ways you can learn about an assisted living residence, but the best way is to actually visit the residence. Assisted living residences have many similar qualities, but just as each person is differ-ent, so is each residence. When you visit your options, trust your instinct. How do you feel about the surroundings? Do the residents who are living there seem happy? Allow the director to show you around and answer any questions you might have. Find out if the residence is licensed, and ask about emergencies and safety. As a visitor to the residence, you will naturally have a lot of questions. Many will be an-swered by the director. Some are more observational ques-tions you can answer yourself. For example:

Is the residence convenient to your familys home and easy to get to?Are the surroundings attractive?Is the food tasty and served well?

Are the hallways and rooms well lit?Do staff members show an interest in the residents?Is it too noisy or too quiet?Does the residence have a home-like atmosphere?Does it feel secure and safe?Do you think you would enjoy living in a place like this?

WhAt Are the costs of Assisted Living?When compared with other forms of care, an assisted living residence might seem expensive, but when you look closer at what the cost includes, the price is quite reasonable. With assisted living, you receive a private apartment in which to live, three meals a day, 24-hour assistance, safety and se-curity, plus new friends, activities and social events, most utilities, transportation and more. The cost of these features combined may add up to more than the cost of living in-dependently now. However, many people believe that the peace of mind in being cared for is worth the monthly cost alone. When talking to the residences director, ask to have the pricing explained. Find out if the monthly charge is all-inclusive or if there are additional fees for other services and amenities. Many residences offer different suite sizes and different levels of care. The director will explain all of your options to find one that best fits your needs. Before you make a final decision, it is very important that you check the credibility of the owner, management and the residence. It is important that you know everything there is to know about the people with whom you will be sharing your life. Remember that many residences operate at full capacity, so you might be put on a waiting list. You might wish to put down a deposit on your final choice, to assure your place on the list. It is in your best interest to have a reservation when the decision to move is made.

After you mAke your choice, WhAts next?Before moving in When the time comes for you to move, the assisted living residence will ask you to take a full medi-cal examination and have your physician complete an in-formation sheet. The information provided will assure that the assisted living residence understands fully your current health, stamina and ability, letting the staff know how best to assist you once you arrive. Most assisted living residents must be able to move from place to place on their own or by using a supportive device, such as a cane or walker. They must also be capable of responding to emergency situations that might arise.

Moving In This will be the biggest and most important step in the entire process. The hardest part will be to decide which of your own belongings the many treasures you have collected over the years to take with you. It is often best to look at the room plan and then pencil in where you think certain pieces of furniture would go. This will help a great deal in the transition to your new home. Making this move is not just a physical one. Give yourself time to adjust and become familiar with your new surroundings. Recog-nize that this is a major life change. This change can be ex-citing and will enhance your quality of life.

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How toCHOOSE A REALTOR

WHAT YOUSHOULD KNOW

Look for an agentwho is a memberof the local boardor association ofrealtors.

The agent shouldadvise you onhow to prepareyour home forthe market.

An agent shouldexplain and dis-close their roleand who theyrepresent.

Be sure the pro-fessional showsenthusiasm, lis-tens well, instillsconfidence andhas a personalitythat is comple-mentary to yourown.

The sale or purchase of your home should involve a profes-sional.

WHO IS A REALTOR?The terms agent, broker, and realtor are often used inter-

changeably, but have very different meanings. For example,not all agents (also called salespersons) or brokers are realtors.Learn who is a realtor and the reasons why you should useone. As a prerequisite to selling real estate, a person must belicensed by the state in which they work, either as anagent/salesperson, or as a broker. Before a license is used,minimum standards for education, examinations and experi-ence, which are determined on a state by state basis, must bemet.

After receiving a real estate license, most agents go on tojoin their local board or association of realtors and theNational Association of Realtors, the worlds largest profes-sional trade association. They can then call themselves real-tors. The term realtor is a registered collective members markthat identifies a real estate agent professional who is a mem-ber of the National Association of Realtors and subscribes toits strict Code of Ethics (which in many cases goes beyondstate law).

It is the realtor who shares information on the homes theyare marketing, through a multiple listing service (MLS).Working with a realtor who belongs to a MLA will give youaccess to the greatest number of homes.

HOW TO EVALUATE AN AGENTWithout any obligation, you can invite local realtors to visit

your home and give you a listing presentation about whytheyre the best ones to market if for you. Two to three presen-tations will probably give you a good opportunity for choice.A listing presentation includes having the realtors review withyou the reasons why you should list with that particular indi-vidual, and providing you with information that will assist youin making initial decisions about selling your home. Recentlaws in every state have defined the duties of someone specif-ically retained as a real estate agent. Most states require a realestate agent to explain his or her role at the outset of any con-versation. A professional agent will promptly provide this suchas a disclosure.

Look for an agent who:Is a member of the local board or association of real-

tors.Explains and discloses agency relationships (the role of

the agent, i.e. who they are representing-the buyer or theseller) early on in the process at serious first contact.Advises you on how to prepare your home for the mar-

ket.

Shows some enthusiasm for your property, listens atten-tively, instills confidence, operates in a professional man-ner, and has a complementary personality style to yours.Has researched your property in the public records and

the MLS.Brings date on nearby homes that have sold (or failed to

sell) recently.The following are important questions to ask a potential

agent:Are you a realtor? Do you have an active real estate license in good stand-

ing? To find this information, you can check with yourstates governing agency.

Do you belong to the MLS and/or a reliable online homebuyers search service? Multiple listing services are coop-erative information networks of realtors that providedescriptions of most of the houses for sale in a particularregion. If theres on MLS, how often do you cooperate withother local brokers on a sale?What have you listed or sold in this neighborhood lately?Do you cooperate with buyers brokers?What share of the commission will you offer a cooper-

ating broker who finds the buyer? And in addition to thecriteria mentioned above, there are a number of veryimportant reasons you will typically prefer to work with arealtor. Among them is the fact that they adhere to theNARs highest standards of ethical conduct and profes-sional training.

WHAT A REALTOR WILL DO FOR YOUSome of the duties your realtors will perform for you

include:Walk through the process of selling your home from begin-

ning to end.Provide comparable information about the prices for which

other properties have sold and analyzing data for you to gain atrue comparison.Supply information regarding local customs and regula-

tions you may want to consider.Share information about your home through the Multiple

Listing Service and on the internet.Place advertisements for your home.Field phone calls.Qualify potential buyers to make sure they would be

financially able to buy your property.Negotiate the sales contract.Alert you to potential risks.Comply with the disclosures required by law.Provide you with an estimate of the closing costs you will

incur.Help you prepare for a smooth closing of the transaction.


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CHOOSE YOUR BANKBankings not the same as it was 20, 10 or even 5 years ago, and your banks offerings should reflect that. But wouldnt you also be more com-fortable using an institution that gives you great personal service when you need it, from a staff you trust? Is it even possible to find a balance be-tween the two, a bank that provides peace of mind and still meets all the needs of a busy lifestyle?

By providing both compassion and convenience, Wilson Bank & Trust is working hard every day to make sure you dont have to choose between handy financial options and attention to your personal needs and goals. By expanding and growing but remain-ing an independent community bank, WB&T represents a rare combination of big-time banking options, tremen-dous stability and hometown charm. Thanks to a 27-year track record in dependability, giving back and keep-ing up with new capabilities, Wilson Bank is uniquely positioned to fulfill the criteria youre likely to consider in selecting your bank of choice.

convenienceIt may go without saying, but if a bank doesnt adequately support all the types of banking you like to use whether its mobile, online or in per-son then it may not be worth con-sidering. At WB&T, limiting your op-tions is not an option. We take pride in helping you conduct business on your own terms by providing every elec-tronic banking tool you might find use-ful, so you can do your banking from anywhere including making deposits with your smart phone, or paying bills

online. And if you prefer a personal visit, youre never far away from an office or an ATM in Wilson County. You can expect to be treated well by a friendly, local employee anytime you call or stop by one of 26 Wilson Bank & Trust branches throughout Middle Tennessee.

Products & servicesBelieve it or not, not all banks have exactly the same selection of ac-counts, and some providers offer fi-nancial services above and beyond your everyday banking products. When it comes to checking accounts, your choice doesnt have to be driven by the lowest monthly fees, maintain-ing a certain account balance to avoid penalties, or the fear of hidden charges on your statement. At WB&T, Kasasa is a suite of free checking options that provide easy-to-earn monthly rewards you can really use, like a high interest rate or cash back on your check card purchases, plus options for automatic saving. And at all the same Wilson Bank & Trust locations where you can find Kasasa, you can also check out mortgage refinancing rates, look into investments or insurance, and even get identity protection; its all under one roof. And dont forget about the ex-tras at WB&T, those include a free personal financial management tool called MoneyDesktop.

stAbiLityGood decisions by a banks leadership are a key to longevity, and consistency in that respect has kept WB&T sound and secure since the bank was estab-lished in 1987. Remaining indepen-dent has always allowed the bank to

make those decisions with the local market in mind, and its executives who are present and accessible. While its common for a community bank with sustained success to be snatched up by a larger organization, Wilson Bank & Trust is committed to remaining an in-dependent bank a rarity for an insti-tution with its size and resources.vALuesBeing an integral part of the commu-nity is simply part of Wilson Banks identity. Staying involved and giv-ing back gives the bank a reputation for going above and beyond. Every year, WB&T commits a great deal of time and resources to its communities and neighbors through bank-hosted events; special programs for students and senior adults; and numerous spon-sorships and donations not to men-tion employees who have a spirit for helping and volunteering themselves.

If your idea of the right bank is an institution thats convenient, strong and community-minded, with an eye toward the future and a selection of products just right for your lifestyle, youre sure to find the ideal home for all your financial services at Wilson Bank & Trust.

THINGS TO CONSIDERWHENCHOOSINGA BANK:

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8 tips for hiring A heAting And cooLing contrActor1. study up Find out about license and insur-ance requirements for contractors in your state. And before you call a contractor, know the mod-el of your current system and its maintenance history. Also make note of any uncomfortable rooms. This will help potential contractors better understand your heating needs.

2. Ask for referrals Ask friends, neighbors, and co-workers for contractor referrals. You can also contact local trade organizations for names of members in your area.

3. call references Ask contractors for cus-tomer references and call them. Ask about the contractors installation or service performance, and if the job was completed on time and within budget.

4. find special offers A heating and cool-ing system is one of the largest purchases youll make as a homeowner. Keep your costs down by checking around for available rebates on energy-efficient ENERGY STAR qualified heating and cooling equipment. Begin your search at www.energystar.gov.

5. Look for energy stAr ENERGY STAR qualified products meet strict energy effi-ciency guidelines set by the U.S. Environmental Protection Agency and offer significant long-term energy savings. Contractors should be able to show you calculations of savings for ENER-GY STAR heating and cooling equipment.

6. expect a home evaluation The contrac-tor should spend significant time inspecting your current system and home to assess your needs.

A bigger system isnt always better; a contractor should size the heating and cooling system based on the size of your house, level of insulation, and windows. A good contractor will inspect your duct system (if applicable) for air leaks and insu-lation and measure airflow to make sure it meets manufacturers specifications.

7. get written, itemized estimates When comparing contractors proposals (bids), be sure to compare cost, energy efficiency and warran-ties. A lowest price may not be the best deal if its not the most efficient because your energy costs will be higher.

8. get it in ink Sign a written proposal with a contractor before work gets started. Itll protect you by specifying project costs, model numbers, job schedule and warranty information.

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If you need more exercise but find yourself putting it off or resisting it, then a good health club might be the answer. Finding a good one is fairly simple once you know what to look for. If you have never been to a gym before then it is quite possible you arent sure how to tell a good gym from one that may not suit you. Many of the things you should look for are simply common sense, while other things are not so obvious. It is up to you to choose what is important to you.

It is always a good idea to try out a facility at the time you are planning to work out at so you know what sort of conditions you will be facing before you sign up for a membership.

LocAtionIs the gym near your home or work? If it isnt then it may become inconvenient very fast. Even the most dedicated of trainers would have a hard time commuting 45 min-utes both ways to get to a gym .

oPerAtionBe sure the clubs hours of operation suit your schedule. Is the gym a coed facility, and what are the crowded times? Visit the

gym during peak hours (such as lunchtime or after work) to see if equipment is avail-able when youll need it.

eQuiPment Find out what equipment and amenities

the club offerssuch as free weights and exercise machines.

Equipment selection is a very individual point that holds varying weights for differ-ent people.

Some people like a wide variety of equip-ment and machines while others just need some benches, dumbbells and barbells.

A gym that has too much equipment can be just as bad as a gym that doesnt have enough as they can be quite confusing, es-pecially to a beginning trainer.

Advanced trainers should look for heavy dumbbells (this is a good indication of the target membership of a gym the heavier the dumbbells, the more advanced the trainers).

Look for a wide variety of cardio ma-chines as well.

cLAssesGood fitness facilities like Jimmy Floyd

Family Center offers an array of class-es, lessons and programs for different age groups.

Price Some of the best gyms around are

also the most reasonably priced. Be aware of what you are looking

for in a gym and what you will be paying for in a membership. If you just want to use the weights but are getting charged for the sauna, racquetball courts, swimming pool, etc., you may wish to look into a no-frills gym at a lower rate.

Many gyms actually justify rate increases because of adding new equipment or ser-vices that nobody wanted or even uses.

Substance should always win out over glitz and glamour.

Price should also be judged according to location. A nearby gym at a slightly higher rate may be worth signing up for rather than a further away gym at a lower rate. If you dont go then you are wasting your money anyway.

For a good basic gym, the average rate is around $30 to 40 per month. Lower rates often limit the number of days you can

workout during the week while higher rates often include more services and fa-cilities.

other considerAtionsHow many people will be in the gym when you are planning to go? If the gym is ex-tremely crowded at that time then your workout may not be as enjoyable. Nobody likes to wait for equipment. To solve this, you must either work out at a different time or find a gym that doesnt get crowded at that time.

This sounds like a lot of work, but regular exercise is one of the best things you can give yourself, so you want to find a gym or health club that works for you and where you can feel at home.

How to choose A gym


Today, retirement represents opportunity: the chance to enjoy freedom from tedious responsibilities, revel in free time, do as you please, and to relish the results of your working life.

As senior citizens begin to explore the many retirement living options available, the choices may seem somewhat overwhelming. However, the task of choosing the right re-tirement community becomes much simpler when seniors are armed with some basic information and a checklist of desired amenities.

The first step in the selection process begins by taking a moment to do a little personal inventory. Reviewing such important characteristics as age, health, marriage and fi-nancial status, religious preference, personal interests and even hobbies will help define the type of retirement community best suited to an individuals personality and capabilities.

An Independent Retirement community is designed for active retiree and healthy seniors who are relatively independent both physically and socially. Residents live

in fully equipped private two or three bedroom homes. Frequently, there are numerous social outings and events to choose from for entertainment. The major benefit seniors enjoy in this type of arrangement is its mainte-nance free living. With no house and lawnupkeep, seniors find the freedom to truly enjoy their Golden Years. Ac-tivities conveniently planned and carried out in Indepen-dent Living settings often include crafts, exercise classes, live entertainment, movies, parties, outing and overnight bustrips, each adding a new dimension to the seniors ex-perience. Other maintenance-free amenities include such things as trash pickup, home inspections, a push button call system and meals served in a common dining area. Residents generally approve a floor plan and have the op-tion to upgrade floor coverings, countertops and the out-door living space.

After understanding the basic types of retirement commu-nities and taking stock of personal strengths and weak-ness, it is a good idea to actually visit a variety of facili-ties. Talk with current residents, ask the site manager any questions that may come to mind and revisit if necessary.In choosing an independent living facility, it is important

to find a prospect of genuine community with compatible social relationships.

So whether the final choice is a facility with a religious affiliation, government subsidized, or privately owned, remember taking the time to make such an important de-cision is time well spent. Choosing the right retirement community goes a long way in making a seniors Golden Years truly golden.

for more information, call the heights of hearthside at (615) 443-1994.

How to choose A retirement home


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How to Guide 15

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