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Saturday, March 8, 2014
The median worker’s retirement fund contained a meager $79,300 in 2010. That fun fact comes courtesy of professional services firm Towers Watson and might make you think retiring rich is out of reach for most people.
Don’t let the statistics scare you. With a little advance planning and self-discipline, you might not ever be famous but you could be rich.
Rule 1: Spend less than you earn
The formula for retiring rich starts with you actually putting money in the bank. Social Security alone isn’t enough to have you living the good life during your golden years.
Stacy recommends you spend only 90 percent of the money you make and sock the remaining 10 percent away.
If you have zero savings right now, concentrate on building up an emergency fund in a savings account first. Once your rainy-day fund is full, put that 10 percent you’re not spending into a dedicated retirement fund.
If you’re currently spending more than 90 percent of your income each month, you may want to read about how to save $1,000 by summer.
Rule 2: Start saving early
Thanks to the power of compounding interest, a little money saved now can go a long way at retirement time. But to get the most benefit, you’ll want to start saving as early as possible.
Friday, February 14, 2014
A long-troubled nursing home in southwestern Ohio — the one that was home to more registered sex offenders than any other in the state — has officially closed.
The last one of 131 residents at Carlton Manor in Washington Court House in Fayette County was moved today.
Carlton Manor had become the state’s de facto nursing home for people who were difficult to place. In addition to 27 registered sex offenders living there, nearly all the other residents had some sort of behavioral, psychological or mental-health problem. Many had a history of violent or aggressive behavior and some had criminal backgrounds.
The Ohio Department of Health, which licenses nursing homes, said in January it was revoking the home’s license because of a series of failed inspections and a history of trouble, which included not reporting suspected sexual abuse and improperly restraining residents. The government has pulled the home’s Medicaid and Medicare funding.
Of the 131 residents in the facility when the state ordered the closure, 99 moved to other nursing facilities; 21 went to developmental-disability centers; four were placed in mental-health group homes; three moved home; and four died of natural causes.
Finding new homes for all the residents went more smoothly than expected, said Tessie Pollock, spokeswoman for the Ohio Department of Health.
Friday, February 7, 2014
The Older Americans Act (OAA) funds critical services that keep older adults healthy and independent—services like meals, job training, senior centers, caregiver support, transportation, health promotion, benefits enrollment, and more.
The Act is overdue for reauthorization—and we’re urging Congress to seize this opportunity to update and renew its commitment to these programs and those they serve.
Bipartisan Senate Bill
The Older Americans Act Reauthorization Act of 2013 (S. 1562) is a new consensus proposal crafted after several weeks of negotiations in Congress. NCOA supports the legislation because it would move the bipartisan process forward, does no harm, and reflects several NCOA priorities. ..Source.. by NCOA
Sunday, January 26, 2014
Each time they visited the nursing home, state inspectors filled dozens of pages with what they say went wrong: A man wouldn’t take his medications because he thought communists were trying to kill him, so employees held him down and injected him. Ailing residents had to use the stairs because the elevator had been broken for months. The place was dirty and smelled of urine.
The records for Carlton Manor nursing home, which is facing imminent shutdown, say that a man threatened a nurse with a radio antenna; another punched his roommate in the face. One, with a history of sexual abuse, fondled the breasts of a woman with developmental disabilities.
The diagnoses for the residents, listed not by name but by assigned numbers, include schizophrenia, explosive personality disorder, traumatic brain injury, bipolar disorder, alcoholism, habitual cocaine use and suicidal.
Among the 130 people living at Carlton Manor in Washington Court House are 27 registered sex offenders — at least 10 of them rapists and at least eight who have been convicted of sex crimes in other states — and many other residents who have violent backgrounds. There is a man who once tried to murder his landlord, another who attacked several young children.
As the state moves to close the Fayette County nursing home because of repeated violations, everyone involved seems to agree on this: Such a group of people deserves high-quality care, but how to best achieve that is complicated.
Almost no one disputes that housing such a high number of people with so many needs in one facility is not a good idea.
And as the state looks for new homes for the residents, it rekindles a debate over whether Ohio’s sex-offender law should be changed so that other nursing-home residents or their caregivers are notified when a sex offender moves in. Past attempts to change the notification law have failed.