In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

How to Find the Best Center for Assisted Living

By Christopher J. Gearon

The right questions to ask and what to be on the look out for once you are on-site

http://www.JewishWorldReview.com | You're healthy enough to live in your own apartment, but perhaps you still need help with your medications or with bathing. If you'd like the added benefits of a full social life and meals in a comfortable dining room, an assisted-living facility may be a good fit. But navigating the assisted-living maze can be a challenge.

Some facilities house as few as 10 seniors in a home-like setting, while others house as several hundred in a high-rise building. Care services can vary, as well. Facilities may offer physical therapy or skilled nursing--or provide little care at all. Even the names differ from place to place: adult homes, retirement residences, board and care, and congregate care.

Regulatory oversight also varies by state, leading to quality problems at some facilities. Issues range from outright abuse to medication errors.

"I'm seeing some excellent quality of life and quality of care in assisted living, but we see some serious problems, as well," says Alice Hedt, Maryland's long-term-care ombudsman.

Given the disparity in quality and services, prospective residents and family members must conduct their own due diligence before choosing a facility. That means visiting several places, reading the fine print of residential agreements, and asking numerous questions of managers, aides and residents.

One million Americans live in assisted living--a midway point between independent living and a nursing home. Typically, residents lease apartments--from a studio to a two-bedroom--by the month and eat in a common dining area. Facilities also offer health care monitoring, and residents can participate in recreational and fitness programs.

Even if a person doesn't need much daily attention, "they benefit from the overall support--not having to cook, social contact, someone to notice if something is wrong," says Suzanne Modigliani, a Brookline, Mass., geriatric-care manager.

After a stroke at age 80, widower Donald Campbell could manage fairly well at first but needed some help with eating and household chores, says daughter Elizabeth Campbell of Denver, Colo.

"He could no longer stay at home, but didn't need nursing-home care," she says. Her father moved from North Carolina to an assisted-living community near Campbell's home and lived there for nearly five years before he died in 2008.

When her father became ill, Campbell didn't have much time to check her options. She visited several nearby facilities, relying on gut feelings.

"Most of the places I went to didn't feel good," she says. Although her father was comfortable at the facility she chose, Elizabeth says she wishes she'd consulted a local geriatric-care manager for guidance and an elder-law attorney to sort out "a lot of the technicalities."

For instance, says Rye Brook, N.Y., elder-law attorney Michael Amoruso, contracts could give "the landlord more rights than tenants in terms of eviction," compared with typical rental agreements. Another legal issue: If an adult child without a power of attorney signs an agreement on behalf of the parent, the child could be financially liable.

When you start your quest, look only at facilities with a state license. Ask each center for its agreement outlining services, prices, extra charges and staffing.

"Ask how much help is available, at what time and to what level," Modigliani says. Facilities may differ on the amount of help they can offer with using the toilet, eating and other activities of daily living, for example.

Seniors who have a particular concern with falling should make sure they can get extra help while they're dressing or bathing. Make sure all special requirements and wishes, including favorite social activities, are documented in a personal-care plan.

Eat a meal, and ask whether there are menu choices. Also note if staff members are attentive and kind to residents. Speak with residents and their visiting family members about their experiences.

Find out about the training the center provides for its staff, and make sure the facility conducts criminal background checks on employees. Because of low wages, turnover is typically high industry-wide. Compare the turnover levels for each center as well as the staff-to-resident ratio.

Still, there are no hard-and-fast rules on staff levels.

"Assisted-living communities are staffed based on the level of care and service needed by the residents," says Jamison Gosselin, a senior vice-president of the Assisted Living Federation of America. For example, he says, there will be fewer caregivers per resident in a community that "serves a pretty independent group of seniors" than at one where residents need more assistance.

Review the contract's provisions on the facility's discharge policies. After a resident leaves for a stint in a hospital or rehabilitation, the facility will decide whether the resident can return. The resident could be charged for food or other services if she's gone for an extended period.

"Even for death, a resident may owe a few months," Modigliani says.


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Because assisted-living arrangements don't provide around-the-clock skilled-nursing care, they typically run about half the cost of nursing homes. In 2011, the national average "base rate"--a one-bedroom unit, at least two meals a day, housekeeping and minimal personal-care assistance--was $3,477 a month, according to the MetLife Mature Market Institute.

But costs vary widely. Most facilities offer several pricing tiers, each with its own set of services. A resident needing little assistance would be at the lowest tier, or base price. You will need to find out what services are included in each tier, such as the number of meals each day, and how much it will cost if your relative needs more care in the future.

As her father's needs grew over five years, his monthly costs rose to $6,000, from the initial $3,000, says Elizabeth Campbell. Eventually, her father needed help dressing and managing his medicines, and took his meals in his apartment. Because Medicare doesn't pay assisted-living costs, most residents pay the entire tab out of pocket. Elizabeth says her father's long-term-care insurance policy covered most of the costs.

Regulatory oversight varies by state. Ask to review complaints made to state agencies, as well as all state-inspection reports. For information on your state's regulatory agency, contact the Assisted Living Federation of America (www.alfa.org; 703-894-1805). You can also find a state's ombudsman at the National Long-Term Care Ombudsman Resource Center (www.ltcombudsman.org; 202-332-2275).

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Kimberly Lankford is a Contributing Editor at Kiplinger's Personal Finance.

All contents copyright 2013 The Kiplinger Washington Editors, Inc. Distributed by Tribune Media Services. All rights reserved.