This story from The Week really made my day when I read it. I hope you feel the same way!
Dan Laguardia went to a California dealership with plans to trade in his 2005 Toyota Scion and buy a new auto. Then he saw another customer walk out crying and asked a salesman what had happened. Laguardia, 49, discovered that Kayla Cooper – a struggling 22-year-old nursing student with two jobs – was upset because she couldn’t afford a down payment and didn’t know how she was going to get to work. Knowing he had to do something, Laguardia asked the salesman to call Cooper and then offered her his old Scion for free, no strings attached. The delighted Cooper called the gift “the biggest blessing of my life.”
I am so thrilled to offer this local story in a town called Lake Stevens where both of my husband’s daughters live. We take for granted the comfort and warmth of our homes or apartments when some people’s reality is not having any way in which to heat their abodes. This featured family is chopping hundreds and hundreds of cords of wood and giving it away to anyone who needs it. Their good deeds have been featured nationally and in other countries. One of the family members was astounded at the reach of their simple act of kindness. “It’s amazing to see because a lot of people out there don’t believe that good exists, and we’re showing that it still does,” said Henry.
Good news travels fast, yes?
I wrote this article five years ago and I’m posting it again today because it is one of the most viewed posts on my blog. Financial figures are five years old so current, 2018/2019 figures will be considerably higher.
I read a fabulous article in the “Home” section of today’s Seattle Times newspaper. It’s a throwaway section that I always read before I toss it into the recycle basket.
All of us are getting older – there’s no cure for that other than not growing older by leaving this earth before you’re ready – so where are all of us going to live – especially Granny and Pappy who can no longer safely live on their own?
Long-term care (LTC) facilities have priced themselves out of most households’ bank accounts and the alternative solution of having grandparent sitters is cumbersome and expensive in itself. What’s an adult child to do? If you have space on your property to have a guest house newly built or better yet, if you’re willing to turn your sunporch or guesthouse into accommodations for mom and dad, the original outlay of funds will pay for itself because you will have avoided the need for a facility’s ultra-expensive long-term care services.
One company that makes the pods spotlighted in the Seattle Times’ article is called Home Care Suites. Disclaimer: I am not advocating for this company’s product. I am merely pulling information out of the article and presenting it to the reader so you can do research that applies to your situation and your budget.
The pods made by this company range in size from 256 to 588 square feet with prices ranging from $42,000 to $83,000. This is no drop in the bucket but let’s consider the cost of facility care. Genworth (who sells long-term care insurance) states that the average monthly fee for assisted-living (AL) was $3,300 in 2012. I think that’s a very naive figure based on my experience of having worked in the LTC housing industry. Maybe Genworth’s lower number is just the cost for monthly rent – but what about care services? Cha-ching!!! Now you’re looking at double that amount and the cost will only go higher as care needs increase. But even at only $3,300 per month, that amounts to $158,400 for a four-year period. See how do-able the pod concept seems now?
Many of the AL service needs are simple monitoring of a resident – tasks that you can do for your loved one: waking them up, helping them get dressed, a certain amount of medication assistance, meal provision. Many seniors living in AL facilities don’t need the massive hands-on care of bathing assistance, toileting services, physical therapy, etc. I know for a fact that if a family member has the time – and a little patience – they can provide these lower acuity services on their own for quite some time before securing hands-on medical care for the elder member of their household.
Skipping ahead to after Grandma and Grandpa/Mom and Dad have passed on, you now are left with an added structure on your property which you can transform back into the porch or game room of its earlier existence, or simply leave as is as a guest room that may accommodate someone else in your family. I have to believe that your initial investment in constructing a pod is an investment that you won’t regret. And don’t forget – the costs for such a project aren’t necessarily out of your own pocket. Perhaps Grandma or Grandpa are willing to pull some of their savings out from underneath their mattress and contribute to the cost of this alternative living arrangement that would certainly be more attractive to them than a lengthy stint at an AL facility or nursing home. Just saying.
I found a letter dated July 28, 1883, written by Henry James to his friend Grace Norton, in a reference book. He wrote a letter of encouragement to her as she was desolate, depressed, and determined not to live. I post portions of it here should anyone out there feel as Grace did, in need of life-saving encouragement.
You are not isolated, verily, in such states of feeling as this – that is, in the sense that you appear to make all the misery of all mankind your own; only I have a terrible sense that you give all and receive nothing – that there is no reciprocity in your sympathy – that you have all the affliction of it and none of the returns.
I don’t know why we live, but I believe we can go on living for the reason that life is the most valuable thing we know anything about and it is therefore presumptively a great mistake to surrender it while there is any yet left in the cup.
Sorrow comes in great waves, but it rolls over us, and though it may almost smother us it leaves us on the spot and we know that if it (sorrow) is strong, we are stronger, inasmuch as it passes, and we remain.
My dear friend, you are passing through a darkness in which I myself in my ignorance see nothing but that you have been made wretchedly ill by it; but it is only a darkness, it is not an end, or the end.
Don’t think, don’t feel, any more than you can help, don’t conclude or decide – don’t do anything but wait. Everything will pass … and the tenderness of a few good people, and new opportunities, and ever so much of life, in a word, will remain.
You are marked out for success, and you must not fail. You have my tenderest affection and all my confidence.
This real story takes the place of this week’s Lighten up Mondays.
Most of our utility bills are in both my husband’s name and mine. Our Frontier phone/internet bill, for whatever reason, is only in my husband’s name.
We’ve lived in our current house for over fifteen years. Approximately one year into our residency at our current address I called to make a change to our services. I found out that because only my husband’s name was on the bill, I was not permitted to even talk to the Verizon (now Frontier) customer service rep. Jerry was home at the time so I requested his presence in my office and told him he needed to talk to the utility person to authorize me to do business with the utility. He did so, they supposedly noted his permission/authorization in the file, and I was able to complete my service request with the utility. Over the years, it took at least three additional calls to Verizon/Frontier before they stopped asking my husband to intervene to authorize everything I said to them. Dilemma solved, right?
We recently upgraded our internet from Frontier’s DSL, also known as slow-poke broadband, to internet service provided by our cable TV company, Wave. The new cable modem/router was installed and voila! Instead of a Download speed of 9.6 mbps, Wave’s Download speed is a wapping 100+ mbps. The primary user of our iMac computer – that would be me, The Little Woman – is thoroughly ecstatic with the improved service.
The day after unplugging Frontier’s DSL and plugging in Wave’s extraordinarily fast internet service, I called Frontier to cancel our internet service – but still retain our landline phone service with them – and the technician said, “Is this Jerry I’m speaking to?” to which I responded, “No, I’m, Irene, Jerry’s wife.” “I’m sorry, you’re not authorized to make changes to your service, is Jerry available?”
Imagine the top being blown off a pressure cooker on my end of the phone line.
“Oh, do not go there. My husband authorized my involvement with this account almost fifteen years ago and did so repeatedly each and every time you questioned my authority to the point where you finally stopped requiring Jerry’s personal authorization.”
“I’m sorry Ma’am, but if your husband is there to make the request, we’ll take care of this for him.”
I hung up on them. Five minutes later I called back to make the cancellation of service request, speaking in a lower voice and identifying myself as Jerry, and the customer service rep simply asked Jerry’s birthdate, which I provided, and presto-chango, our cancellation of internet service request was granted. Keep in mind, in the past when I successfully was able to get through to Verizon/Frontier to talk about our account, I had to provide Jerry’s birthdate, our account number, and the private PIN provided by the utility to verify my authorization capabilities. If they had asked that of Jerry – the authorized person – he wouldn’t have known where to find such information. Why? Because The Little Woman is also the Finance Manager for the Olson household. Bills get paid utilizing bank account resources because I set up these recurring charges to be paid automatically just as so many of you do for your own household. I move money around from one account to another, set up new accounts, fund them and the like because as the household Finance Manager, I am dedicated to keeping us financially organized, healthy, and comfortable in our retirement.
Am I mad at Jerry as a result of this fiasco? Not in the least. He was out of the house when this most recent matter occurred and when I relayed it to him he said, “Oh oh, I hope you didn’t hurt anyone too badly.” He thinks this whole authorization requirement is a joke, especially since he relies on me to manage everything having to do with our finances. He knows I’m quite accomplished at taking on these tasks and is thrilled that he doesn’t have to mess with the minutiae of managing this aspect of our lives.
I guess I can say I had the last laugh, however. Lowering my voice and using language patterns that might be common for the Man of the Household allowed me to wield the authority that up until now had fully evaded The Little Woman of the Household.