None of us like to think that we may need nursing home care one day, but according to government statistics just over 50% of all Americans do need special care at some time in their lives. The problem with nursing home care is the cost – and the cost of nursing home insurance is going up almost every week. Fortunately there are several things you can do to lower the cost of your monthly premium and there’s one very simple thing you can do – a deep, dark little secret that your broker hopes you’ll never find out about – that will cut the cost of your coverage by approximately 30% in less than 30 minutes.
AND if you can add fifteen- twenty minutes to 2-4 days of your week, you may be able to relieve your muscle pain with a short routine of muscle stretching exercises. Easy to learn – at home, on your own time.
Montessori children help with laundry in the classroom. Sometimes they may assist with actually doing it in a washing machine. Children often wash classroom towels and napkins by hand, using a washboard. In your home, have your child help sort the laundry and put it into the machines. When it is clean, she can move it into the dryer. Then, she can help fold it and put it away when it is dry.
The soil should also be just a bit acidic. The pH should be about 6.5. A pH reading of seven means your soil is neutral. Any reading above seven means that it is alkaline and a lower number means acidic. You can pick up a cheap testing kit at your local nursery or home health aide store. If the soil is too alkaline, just add a little peat moss and work it into the soil. If it is too acidic, add lime.
Cosmetic surgery is very expensive, but generally permanent. If you do not like the results then you will be stuck with them unless you undergo surgery once more.
Before we get to the Big Secret for cutting the cost of a nursing home policy by as much as 30% instantly, lets talk about some of the other things you can do that can reduce your premium ever further.
NOTE: During the Medicaid applicant/recipient’s lifetime, the house will be exempt so long as the equity is no more than $500,000. If a spouse is living in the house, then there is no limit on value. After the Medicaid recipient is in the nursing home for some time, some states may place a lien on the house to make sure the house will be available to repay Medicaid down the road, but in no case will the house have to be sold until after the death of the Medicaid patient.