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Applying for Medicaid for long-term care in a nursing home is a complicated matter. This article will limit itself to describing the basic eligibility requirements. The eligibility requirements break down into four categories. Medical Eligibility First you have to demonstrate that you meet the Determination of Need score, also known as the DON score, which establishes whether or not someone actually requires long-term care in a nursing home. This assessment may be administered by Catholic Charities, nursing homes, and many other organizations. Income Eligibility The income eligibility requirement is to determine if your income exceeds the private cost of care. …

You walk into a home and instantly fall in love with it. But many times the shiny floors or marble countertops can distract you from major issues with the property. Remember, beauty is only skin deep. Be sure to hire a qualified inspector to check behind the walls. You should also bring in a qualified heating and cooling technician to make sure that the system is big enough for your square footage. But there’s plenty the average person can unearth if they look closely enough. Water damage can be a major issue, including possible mold contamination if it’s cleaned properly. …

Rates have dropped down to near historic lows. As of mid-April, the 30-year fixed was at 3.625 percent, the 20-year fixed was at 3.375 percent and the 15-year fixed was at 2.875 percent. Back in 2012, rates were actually lower by a quarter percent across the board, but real estate values were also lower at that time as the whole country was still struggling to recover from the financial crisis of 2008. In addition to seeing our fair share of refinancing, 2016 has brought many more borrowers to the market looking to sell their current home and upgrade to a …

  As a youngster in a first-generation Italian-American family in Roseland, eating out wasn’t something we did very often. As a matter of fact, if I try really hard I can only recall an occasional First Communion or Confirmation that led to some fine dining, Roseland style, at Pesavento’s. As a result, finding our way out of the family kitchen typically involved developing our own circle of friends and enjoying new experiences, including learning more about the many culinary offerings that were available in our neighborhood. As I got older, I saw that each of my brothers and sisters not …

Even though I was born in the early ’60s, I was brought up in a World War II household. My dad was an 18-year-old sergeant in the U.S. Army fighting Hitler’s brigade in Anzio, Rome and Southern France. My mom was born in Florence, Italy, and watched American tanks roll by her house on a daily basis. By the time I came along 21 later, the war stories at the kitchen table were shared regularly, often ending in an argument about Mussolini pre Hitler vs. Mussolini post Hitler. It was a complicated battle that my younger sister, brother and I …

At some point in your research, you have unearthed everything you need about the relatives you’ve know personally, and now you’re working on finding out about their parents and grandparents. These are folks who died before you were born or never left Italy and, as a result, you never met them. With no direct access, you must rely exclusively on Italian records to find the birth, marriage and death information on grandma’s grandparents. So if you don’t have the beginning of a clue regarding what year to look for, how do you start? Step one is that you need to …

The Fed meets every six to seven weeks to discuss monetary policy with regional representatives called Fed presidents. They gather with Fed chairwoman Janet Yellen to discuss and vote on whether to raise or lower rates, or keep them the same. On March 16, the Fed met and took a softer tone on raising rates this year. After a historic interest rate rise in December — the first in nine years — the Federal Reserve initially estimated that it would raise the federal fund rate four more times in 2016 because it thought that the economy would be strong enough …

Spring is here and the flowers are blooming and homebuyers are out in force. Many times, it’s not only the gorgeous views from your balcony or the large backyard that sells your home. Let’s make sure your home has the right features on the inside and out so it doesn’t last long on the market. Bear in mind that you only have one chance to make a potential buyer fall in love with your home. Pretend you are a buyer and walk in the door. Would you want to view it if it was on the market in the condition …

In the previous section of our 10 part series, we talked about preparing and filing the Medicaid application. Once that application is filed, a new challenge will present itself. One or two months after the submission of the application to the Department of Human Services, the approved representative for the Medicaid applicant will receive a call from either the DHS caseworker or the caseworker for the Office of the Inspector General, depending on where the application is being audited. The approved representative will then be asked to submit additional documentation that the caseworker feels is necessary to complete the application. …

Stop in any chain grocery or “super” store, and among the many departments to choose from you’ll always find a “killer” in-store flower shop. Cute little bouquets with sprigs of green and sometimes even baby’s breath are often available. Maybe not too many flowers in the bouquet, but just enough to warrant the $5.99 price tag. Of course, you have the option of buying the $9.99 bouquet with a few more flowers and a wider array of colors. These are your floral options today, but what about the traditional options that these options have “killed” off?” Before there were “floral …