Home » News, Special Report » How assisting seniors can help every homeowner in the World cut all their debts in half.

How assisting seniors can help every homeowner in the World cut all their debts in half.

Millions of homeowners from around the World face the threat of bank foreclosure and bankruptcy.  Bankers are intentionally raising mortgage interest rates and the cost of living associated with mortgages in order to seize real property assets through debt default.  Bankers are the root cause of debt creation, bankruptcy and mortgage foreclosure.  Through interest bearing debt they are intentionally forcing millions to lower their standard of living in order to meet the interest payment for their biggest investment of their lives – their home.  Well, there is a way to beat the bank.  There is a way to cut your mortgage payments in half or pay off your mortgage in half the time.  There is a way to cut the cost of heating,  phone service, cable service, satellite service, electrical consumption, home maintenance and repairs, property tax, health care costs and food in half.  There is a way to pay for all your debts without getting another job, without refinancing your debts and without seeking government assistance.  There is a way to do all this and more and it is all perfectly legal.  The simple solution is Private Assisted Living for seniors.

Seniors today are the baby boomers and they represent 28% of the U.S. population.  The oldest baby boomers turned 60 in 2006, and when the trend peaks in 2030, the number of people over age 65 will soar to 71.5 million — one in every five Americans.  Seniors today are in dire need of assisted living services.  But seniors can’t afford the extreme high cost of government assisted living.  From the moment they retire, seniors are the most neglected and abused by the financial, medical, and government system.   Government is the biggest abuser of seniors, followed by medical practitioners, drug companies, insurance companies and for profit senior health care businesses.  Governments around the World are always coming up with new schemes to take everything a senior citizen has.  Government are the ones who are scheming to rob seniors of their life savings, of their pensions and of their debt free property.  They, government, are the ones who regulate, license and control all of the forms of senior financial, medical and drug abuse schemes by medical practitioners, drug companies, insurance companies and for-profit senior neglect and abusive care homes.

So how can assisting seniors help every homeowner in the World cut their debts in half, stop the systematic system of abuse by government, beat the debt causing banks and prevent bank foreclosure on your home?  If you are a single, separated, divorced, widowed, semi-retired, retired, self-employed or recently unemployed homeowner and you have a spare bedroom all you need to do is take in a senior and provide Private Assisted Living and Shelter (PALS) for the seniors and yourself.   If you are a senior and you own a home you can offer one of your spare bedrooms to a single, separated, divorced, widowed, semi-retired, retired, self-employed or recently unemployed women and receive Private Assisted Living Services (PALS) in exchange.  It is as simple as that.  It doesn’t and won’t cost you anything extra.  It does and will cost you a lot less to live.

PALS is based on the time proven analogy that “Two can live cheaper than one“.   Besides friendship and companionship, two people can share living expenses equally and make it a whole lot cheaper on a per person basis.  How much cheaper?  Living expenses and the debt associated with them are cut in half.  Two people equally sharing the rent or mortgage payment.  Two people equally sharing the cost of heating,  phone service, cable service, satellite service, electrical consumption, home maintenance and repairs, property tax, health care costs and food.  Life is a whole lot easier when you have someone else helping out.

Wouldn’t that be senior abuse?  On the contrary, you are providing a viable, practical and economical solution to a desperately needed senior housing and care. You will be providing 24/7 home care and companionship for seniors.  What you are providing is drastically cheaper than what the government is offering – rather taking from every senior.   By taking in a senior you automatically eliminate the number one health degrading factors that afflict all seniors – loneliness, anxiety, fear, and depression.  You also save them from a life of abandonment, neglect and abuse.

In Canada most seniors receive an average of $1100 a month in old age and Canada Pension.  That is all they have to live on.  They cannot go out and get a part-time job to help supplement their income.   How many people can live comfortably on just $1100 a month?

With the high cost of living most seniors are forced to seek government assistance.  However, in Canada, or a least here in New Brunswick Canada, all low income seniors seeking assisted senior care must first be assessed by an overpaid government adult services agent before they can even be put on a list for the few over priced beds that are available.  No New Brunswick low income or middle income senior can simply enter a senior neglect care home on his or her own.  First off, low income seniors cannot afford the rent of any of these government regulated, licensed and controlled senior neglect care homes.  The government sets the requirements and the costs for any seniors seeking admission to one of their regulated, licensed, controlled and financial fleecing senior care homes.

The cost of nursing home / Long-Term Care across Canada and the US varies. In Canada, long-term care is government regulated & monthly rates are determined by the government of each province’s Ministry of Health. Every province determines what their rates are, when they are increased and by how much and what subsidies are available for those below the income level of the minimum accommodation rates.

In New Brunswick, fees for nursing homes are only set by The Department of Health – a New Brunswick government agency.  How much does a senior  pays depends entirely on the senior’s income to a maximum of $83.00/day (rate is effective October 2010) or $2490 / a 30 day month.  That is $2490 / month just for rent.  Any and all medical care and prescription drug cost assistance is extra.   $2490 / month to rent a bed in a tiny room with no kitchen, no bathtub or shower, and no living room.  That is more than the cost of a room at a luxury hotel in downtown Toronto, Montreal or New York.   That is double the cost of a condominium in  Toronto, Montreal or New York.  That alone constitutes gross financial abuse.

Even before this gross financial abuse of seniors takes place, the New Brunswick government allows its hospitals to grossly over charge seniors simply for waiting for one of these financial fleecing rental units.  Hospitals are allowed to charge seniors waiting for a bed in a government regulated, licensed and controlled seniors home, a bed holding fee.   If you have Medicare the minimal amount is $53 a day.  Much higher daily fees have been charged and are changed if you don’t have Medicare.

This financial abuse not only occurs in New Brunswick.  When an Ontario senior suffered a stroke and ended up in the hospital with a feeding tube and distorted speech, her daughter choose two nursing homes to add as her ‘desired homes’ for the  nursing home application list, all other nursing homes where too far for family and friends to travel and visit.  The hospital wrote a letter to the daughter indicating that she must add a third nursing home to the list or face a daily hospital rate of $1300, which is actually against both hospital and Ministry of Health and Long-term care policy.  The hospital retracted the ultimatum when this extortion was made public.

So, can you see how being PALS helps you and seniors?  Both you and seniors financially benefit from this Private Assisted Living and Shelter arrangement.  You benefit by cutting all of your living expenses and debts in half.  Seniors benefits because they can now afford to actually live the rest of their life -  debt free, government interference and financial abuse free, for-profit senior care facility financial, medical, drug, and physical abuse free, for-profit health care financial, medical, and prescription drug abuse free  and at 1/3 government imposed cost.

You can’t  afford not to.  It is your second chance.  It is a new lease on life.  It means a worry free life for you and golden years for them.  Life is too short.



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Posted by on May 2 2012. Filed under News, Special Report. You can follow any responses to this entry through the RSS 2.0. You can leave a response or trackback to this entry

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