Literature
Brochures:
Brighter Futures - Making a Reverse Mortgage Work for You
Financial Solutions - The Princeton Mortgage Difference
Reverse Mortgage Fast Facts
NRMLA - Just the FAQs
The NRMLA Guide to Aging in Place
NRMLA - Using Reverse Mortgages for Health Care
FTC Facts for Consumers
National Council on Aging: Use Your Home to Stay at Home
Helpful Documents:
Comprehesive List of New Jersey HUD Counseling Services
Comprehesive List of Pennsylvania HUD Counseling Services
AARP's Glossary of Reverse Mortgage Terms
Industry Articles
New York Times Editorial from 4/22/06
Kiplinger.com, May 2006:
Medicaid Gets Tough
Fortune Magazine 10 Retirement Questions (June 2006)
Estate Planning Magazine, June 2006: Medicaid Planning Is More Challenging After Recent Reforms
Journal of Accountancy – July 2006: Going Forward with Reverse Mortgages
USA Today, June 2006: 43% Seniors Don’t Save Enough
Reuters AdvicePoint, Sept. 2007: Debt Among Seniors a Growing Concern
Associated Press, Sept. 2007:
Reverse Mortgages Help Cure Bad Loans
NRMLA Press Release, Sept. 2007: Reverse Mortgage Market Rises to $4.3 Trillion
The FLINT Journal, Sept. 2007: Putting it in Reverse
Helpful Links
Professional and Government Organizations and Agencies:
AARP American Associate of Retired People
Everything you need to know as a retired person! Also, check out the AARP in New Jersey and Pennsylvania by clicking on the state’s name.
Department
of Health and Senior Services –– New Jersey
The New Jersey Division of Aging and Community Services (DACS) administers programs designed to make it easier for seniors to get the help they need to support their well-being and maintain themselves in the community for as long as possible with independence, dignity and choice.
Department
of Health – – Pennsylvania
The Pennsylvania Department of Health has been promoting the health and well being of Pennsylvania citizens since 1905. Public health professionals are now facing new challenges: AIDS and other newly emerging infectious diseases, more familiar — but now drug-resistant — diseases, chronic illnesses such as cancer and the threat of bioterrorism. These challenges have changed the responsibilities of public health.
Employee
Retirement Income Security Act –– US Department of Labor
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for retirement and health benefit plans in private industry. ERISA does not require any employer to establish a plan. It only requires that those who establish plans must meet certain minimum standards. ERISA covers retirement, health and other welfare benefit plans (e.g., life, disability and apprenticeship plans). Among other things, ERISA provides that those individuals who manage plans (and other fiduciaries) must meet certain standards of conduct. The law also contains detailed provisions for reporting to the government and disclosure to participants. There also are provisions aimed at assuring that plan funds are protected and that participants who qualify receive their benefits.
Housing and Urban Development (HUD)
HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level.
Internal Revenue Service
Tax assistance for seniors.
National Council On Aging (NCOA)
Our mission is to improve the lives of Older Americans. Founded in 1950, the National Council on Aging (NCOA) is a nonprofit organization with a national network of more than 14,000 organizations and leaders. Our members include senior centers, area agencies on aging, adult day service centers, faith-based service organizations, senior housing facilities, employment services, consumer groups, and leaders from academia, business, and labor. Our programs help older people remain healthy and independent, find jobs, access benefits programs, and discover meaningful ways to continue contributing to society.
BenefitsCheckup.com -
a service of NCOA
Many older people need help paying for prescription
drugs, health care, utilities and other basic needs. Ironically,
millions of older
Americans — especially
those with limited incomes — are eligible for but not receiving
benefits from existing federal, state and local programs. Ranging
from heating and energy assistance to prescription savings programs
to income
supplements, there are many public programs available to seniors
in need if they only knew about them and how to apply for them.
National Reverse Mortgage Lenders Association (NRMLA)
NRMLA serves as an educational resource policy advocate and public affairs center for reverse mortgage lenders and related professionals.
Social Security Administration
Your Social Security benefits are the foundation on which you can build a secure retirement. The three major elements of your retirement portfolio are: Benefits from pensions, Savings and investments, and Social Security benefits. Most financial advisors say you'll need about 70 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. If you have average earnings, your Social Security retirement benefits will replace only about 40 percent. The percentage is lower for people in the upper income brackets and higher for people with low incomes. You'll need to supplement your benefits with a pension, savings or investments. To help you plan for retirement, each year we send you your personal Social Security Statement, which gives you an estimate of the monthly benefit amounts you and your family may qualify for now and in the future.
US Department of Labor:
Health and Wellness:
1st Senior Care
1stSeniorCare's mission is to provide quality senior health care products at a very reasonable price for those on a fixed income in the senior care-giving community. Assistance is available in helping to choose products to keep you and/or your loved one independent and safe.
Alzheimer's Association
The Alzheimer's Association is the leading voluntary health organization
in Alzheimer care, support and research. To eliminate Alzheimer's
disease through the advancement of research; to provide and enhance
care and
support for all affected; and to reduce the risk of dementia through
the promotion of brain health.
Benefits Check Up from the National Council on Aging
This is an on-line questionnaire that identifies federal and state assistance programs for older Americans. Provided by the National Council on the Aging.
Meals On Wheels
Meals on Wheels is the most recognized name brand of senior nutrition programs. But other senior meal programs by various names are in many communities in the U.S. and around the world and often go by names other than Meals on Wheels (a generic term generally reserved for home delivered meal programs). While Meals on Wheels programs are delivered to the home, seniors may also find congregate meal programs at local senior centers, churches, or community centers.
Medicare
The official US government site for people with Medicare.
RealAge, Inc.
RealAge, Inc. is a consumer-health media company and provider of personalized health information and management tools. These tools motivate health-conscious people like you to look, feel, and actually be many years younger—to Live Life to the Youngest®. RealAge has been featured on national radio and television programs including 20/20, Good Morning America, the Today show, and The Oprah Winfrey Show.
Travel and Leisure:
AAA
When you hear the name AAA, the first thing that comes to mind is probably maps and emergency road service, two of the cornerstones of our organization. But these days AAA is known for much more - assisting people in many facets of their lives, including travel and lodging; auto buying, leasing, renting, and repair; financial services such as loans and credit cards; and insurance needs.
Red Roof Inn
Red Roof Inn was incorporated by founder James R. Trueman in 1972. Its first Inn opened in Columbus, Ohio, with a single room rate of $8.50 in 1973. Today, Red Roof Inn has more than 325 locations, serves millions of guests each year and employs over 6,000 people. Over the last 30 years, the lodging company's commitment to quality growth has contributed to the creation of the Red Roof Inn identity, which represents value, consistency, and excellent service. Red Roof Inn will continue to grow through franchising, acquisitions and new development.
Senior Discounts
SeniorDiscounts.com is an online directory of US businesses that offer discounts to people 50 years of age and older. We currently list over 150,000 business locations, which include the contact information, discount information and other information necessary to receive each discount. We strive to provide the most complete and accurate listing of all age-related discounts for goods and services.
Senior Drivers.org
Offers driving refreshers and fitness tips for seniors using streaming video. From the AAA Foundation for Traffic Safety.
Housing:
Assisted Living: www.AssistedLivingSource.Com is a nationwide directory
of Senior Housing with a special emphasis on Assisted Living. Seniors and
their families can use our site to learn about senior housing options and
request information from particular communities for free.
Assisted Living
Directory
We have spent the past 5 years working on creating a free and useful resource
for Assisted Living, Alzheimer's, and long-term care. Assisted-Living-Directory.com
lists numerous facilities and, at times, other senior care options, organized
by state, and then by city.
Home Care: www.HomeCareProfile.com is
a free nationwide directory of Home Care providers. Seniors and their
families can use our site to learn
about Home Care options and request information from Home Care providers
for free.
A Place For Mom
A Place for Mom is proud to be the nation's largest elder care referral service. We provide comprehensive resources about senior housing and elder care options to seniors and families in need. Each day thousands of families are faced with the unique and complex challenge of finding care for their elderly loved ones. Often the array of choices is overwhelming and families are left with too many unanswered questions. A Place for Mom provides seniors and families with one-on-one guidance and assistance during this difficult process. ElderCare Link
We can help you find qualified, local eldercare providers and senior
services. ElderCarelinks FREE referral service quickly connects you
with local senior care services and providers that match the specific
needs of your aging family member - and you. Our nationwide network
of carefully screened providers includes: assisted living facilities,
home care services, adult daycare, nursing homes, and more. Selecting
the right eldercare for your elderly parent’s care can be overwhelming - there are so many alternatives to choose from. Every week, we help thousands of families in every state solve their long term care needs by connecting them with qualified eldercare providers.
Heritage Point
The Heritage Point Community is nestled in the Southern part of Ocean
County, in the Township of Barnegat, N.J. The amenities and relaxing
way of life are set in an outstanding location. For more informtion,
contact Bob Roggenstein at 908-675-1509
New Lifestyles
New LifeStyles will be "The Source for Seniors", providing comprehensive, quality information on senior residences and care options. This information will be available, free to all that need it.
Senior Link
Seniorlink is committed to helping seniors age with dignity, including the ability to live in the least restrictive setting. Seniorlink was founded in 2000 by E. Byron Hensley, Jr., who was impassioned by his own family caregiving experiences to expand the choices available to elders in need of care. The key to his vision was to support family members in providing care to the senior at home, where he or she could live as independently as possible. Seniorlink built the first nationwide network of credentialed care managers. With professionals located in all 50 states, we are able to offer families qualified, local-level referrals — unlike any other eldercare resource. Our nationwide reach enables Seniorlink to serve even long-distance caregivers. To date, Seniorlink has enrolled more than 1,200 care managers in its network. Our combination of credentialing and background verification, coupled with the supervision of Seniorlink’s clinical staff, has set the standard for geriatric care management.
Social Networking and Employment:
American Legion
The American Legion was chartered by Congress in 1919 as a patriotic, war-time veterans organization, devoted to mutual helpfulness. It is a not-for-profit community-service organization which now numbers nearly 3 million members, men and women, in nearly 15,000 American Legion posts worldwide.
Coming of Age
Coming of Age provides inspiring opportunities for adults age 50+ in Greater Philadelphia. We encourage civic engagement, lifelong learning, and community leadership.
The Benevolent and Protective Order of the Elks in the USA
To inculcate the principles of Charity, Justice, Brotherly Love and Fidelity; to recognize a belief in God; to promote the welfare and enhance the happiness of its Members; to quicken the spirit of American patriotism; to cultivate good fellowship; to perpetuate itself as a fraternal organization, and to provide for its government, the Benevolent and Protective Order of Elks of the United States of America will serve the people and communities through benevolent programs, demonstrating that Elks Care and Elks Share.
Moose Lodge
Moose - The Family Fraternity: An international organization of men and women, dedicated to caring for young and old, bringing communities closer together and celebrating life.
Retired Brains
A Job and Information Source for Retirees & People Planning Their Retirement
Welcome Retired Brains, older boomers, seniors, retirees and those about to
retire who are looking to find jobs, volunteer opportunities, educational resources
and retirement information.
Seniorpeoplemeet.com
Meet other seniors (60+ years young) today! Browse pictures and videos, live video/audio/text chat. Free initial contact.
Social Security Administration
You can work and get social security at the same time.
Write A Senior
The goal of Write a Senior Citizen is to provide an opportunity for Senior Citizens to be able to obtain pen pals from around the world.
This site is 100% free to all users! |
