Yearly Archives: 2019

Safe Graduation Party Essentials

High school graduation is a huge deal! And graduates deserve a huge fuss to celebrate their accomplishment. More and more schools are hosting graduation parties (like after-prom parties) to encourage kids to stay safe and celebrate without alcohol or drugs. If you’re a graduation party planner, here are the things you’ll want to have lined up for a fun and successful time.

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Food and Drinks

Let’s start with the most obvious: food and drinks! Growing teens have the luxury of youthful metabolisms, and they can’t have a party without stuffing their faces! It’s tough to go wrong with pizza, and local pizza places often cut deep discounts or donate food to schools (especially if they have a family connection with a student.) When buying food and drink, think ahead to clean up. Individually prepared portions or finger foods are best, and it’s always good to buy individual cans or bottles of soft drinks with recycling boxes or cans nearby. Buying 2-liter bottles may seem like a good idea until you have to clean up the cups!

Games and Activities

Keeping the kids busy and engaged is an important responsibility for a graduation party planner! You can “go big” and rent bouncy houses, wind tunnels, or karaoke machines. If you don’t have the connections or budget for that, there are no shortage of DIY competitive games that are easily found with an internet search, tons of fun, and can be done using household items.

Photo-Heavy Decorations

You’ll want to have flashy decorations, whether they’re store-bought or made at home. A graduation party planner should remember that the purpose of the event is to make memories and reflect on the students’ time in high school. If it’s possible to incorporate photos in the decorations or to make slideshows on TVs or monitors using digital pictures, they’ll be a big hit!

Caring for the Elderly With Adult Foster Care

As the population ages, many families start to consider care for their elderly members. Senior living facilities have changed over the decades, focusing on both the physical and the mental health of the patients residing within their walls. If you are looking into adult foster care service Massachusetts, read on to learn how these facilities take care of the aging population.

What is Adult Foster Care?

The legal definition of adult foster care varies from state to state. Also known as small group assisted living or elderly foster care, it typically involves a small group of residents living within a common facility. Unlike large nursing homes, these facilities only house six or fewer people. Residents have their own private bedrooms, but they share living and dining areas. Services provided in these facilities are usually non-medical, and the staff is available to help with daily activities which can include:

  • Walking and navigating stairs
  • Dressing and personal grooming
  • Grocery shopping and meal preparation

The smaller number of residents allows for more personal care while giving residents a strong sense of independence.

The Cost of Adult Foster Care

The cost of adult foster care is different depending on where you live, but in general, adult foster care tends to cost less than nursing homes or assisted living facilities. Another factor that can affect the cost is the amount of care a resident will need. If a resident has more medical concerns that will need to be addressed or monitored, the cost can increase. Many options exist to help cover the costs of care, and while some are dependent upon the state of residency, they can include:

  • Medicaid
  • Social Security supplements
  • Veterans Directed Care Program
  • Long Term Care Insurance
  • Life Insurance Policy

When deciding on quality care for aging family members, there are many options available. Adult foster care can provide the medical care an elderly family member needs while allowing them to live in a home-like setting that keeps some of their independence.

Top 3 Reasons To Consider Refinancing Your Home

If you are a homeowner, you may be able to improve your personal financial situation by refinancing your home. Refinancing could allow you to lower your mortgage payments, consolidate debt, or use your equity to fund home improvement projects.

Image by Arek Socha from Pixabay

1. Reduce Your Mortgage Payments

The interest rate of your mortgage has a significant effect on the cost of your monthly mortgage payments. Because interest rates can change often, you may be able to refinance your home to take advantage of a low rate. A Top Mortgage Lender can give you information on the details and potential benefits of refinancing.

2. Pay Down Debt

If you have debt, especially unsecured loans such as credit card balances, refinancing could allow you to reduce the financial burden of debt payments. In some cases, you may be able to consolidate all your debt into a refinanced home loan. This can reduce the number of payments you make every month. Additionally, paying off high-interest balances can improve your overall financial situation.

3. Update Your Home

If you have a large amount of equity in your home, refinancing can allow you to turn that equity into cash for home improvement projects. A lender such as Sun West Mortgage can help you understand the value of your equity and provide guidance on smart ways to invest that money back into your home.

Refinancing your home can provide several unique benefits and opportunities. It can help you reduce credit card debt, lower your monthly payments, or use your equity to improve your home.