(StatePoint) - According to a government agency in the U.S. Federal Statistical System, heating bills for homes that use natural gas could be significantly higher this winter – perhaps by as much as 50%.
“We expect that households across the United States will spend more on energy this winter compared with the past several winters because of these higher energy prices and because we assume a slightly colder winter than last year in much of the United States,” the U.S. Energy Information Administration said in their report last month.
According to the Cincinnati Enquirer, price models predict this winter could be the most expensive one since 2008-09 for homes heated with natural gas. With natural gas prices expected to skyrocket by 30%, some users could expect to pay an average of $746 this winter, while those who get heat from electric sources could pay up to $1,268.
Why are prices going up?
The reason for the anticipated spike in energy prices is that fuel demand has shot up from recent lows faster than producers have increased supply. Energy prices dropped considerably last winter due to the sharp drop in demand thanks to the pandemic. The agency points out that prices have since rebounded and in some cases have reached multi-year highs thanks to both the increase in demand and the ongoing economic recovery.
The other factor affecting prices is the weather. Based on recent climate trends, colder temperatures are expected, which will not only boosts the energy your home needs to stay comfortable but quickly raises demand for those resources as well. Dwellers will be stuck burning more fuel to keep warm as well as paying more for it.
Weatherizing your home or apartment to ensure it stays comfortable during the long winter season is a great way to help control possible increased costs on your utility bills. Here are five easy ways to keep your home cozy all winter long.
1. Maximize Heating Options Unpredictable weather can cause outages, so it’s best to prepare with alternative ways to heat your home. A log fireplace is wonderful, but for those without one, it may be best to invest in a gas heating alternative, like an individual heater or small generator.
2. Temperature Control Bringing those utility bills down means keeping the warm air inside. Shifts in temperature can cause wood to expand or contract, creating small cracks or leaks which need to be filled. Duck Brand Foam Weatherstrip Seals form the perfect barrier from drafts with self-adhesive foam strips to ensure utility bills remain low with minimum effort and maximum savings. These heavy-duty strips also provide protection year-round by blocking dust, pollen and insects.
3. Swap Your Furnace Filter Trapped dust and dirt in your furnace filter can cause low airflow and limit your furnace’s ability to properly function when you need it most. This can unnecessarily raise the temperature and cause your energy bills to skyrocket. A simple filter change on your furnace and even air conditioning units as often as once a month can help maintain excellent airflow.
4. Create a Barrier in the Garage While many homeowners concentrate on preventing drafts by their front door; they often forget about the largest opening in their house – the garage. Protect against snow, water and cool winter air from entering your garage with a Duck Brand Garage Bottom Seal. This heavy-duty, waterproof rubber seal won’t freeze or crack, and creates a tight, protective border all year long.
5. Cover Exterior Access Locations Built-in pet doors and mail slots often go overlooked. Lower your energy bill by covering those spaces and opt for alternative options when taking out your pets and receiving mail.
For more information, visit DuckBrand.com.
Staying prepared for any shift in weather is always something homeowners should prioritize. With some quick tricks and the right products on hand, weatherizing your home doesn’t have to be complicated or expensive to keep you and your family warm.
BRANDPOINT - Heating and cooling often make up the bulk of utility bills - and the right HVAC system can make a world of difference in both energy bills and home comfort. Recently, heat pumps have become a trending topic in the news for their ability to address both of these needs by providing sustainable home comfort while simultaneously lowering utility bills. But can they really do both?
To answer that question, it's important to first understand how a heat pump works. When the thermostat temperature is raised and heat is needed, the system pulls heat energy from the ambient air outside the home to heat the home. When air conditioning is desired, it does the opposite, removing heat from inside the home and expelling it to make the home cooler.
Because heat energy is moved around rather than being produced directly, heat pumps can provide more sustainable - and more efficient fuel source alternatives. In addition, recent advancements have made heat pumps far more efficient and more reliable than ever before - even in colder climates. As a result, both federal and local agencies are offering money-saving incentives to help more homeowners switch to heat pumps making it an ideal time to invest in a new heat pump.
But even with these benefits, there are still a lot of myths about how heat pumps work. We're debunking some of the top heat pump misconceptions.
Myth 1: Heat pumps won't work in cold climates
Fact: Today's heat pumps can provide efficient heating in colder climates than ever before
In the past, some older heat pumps could struggle to heat a space efficiently when outdoor temperatures were especially cold. However, today's heat pumps are engineered to function as the primary heating source in almost all geographic regions, even when temperatures drop below freezing.
The key to providing sufficient heat capacity in especially cold climates is the compressor - the part of a heat pump that moves heat through the system. In the past, heat pumps typically relied on single-speed compressors that functioned like an on/off switch, making it harder for the system to cope with extreme swings in temperature. Today's more advanced heat pumps leverage variable-speed compressor technology to make incremental adjustments that keep pace with changing temperature more efficiently and more accurately. In addition, many heat pumps rated for cold-climate use now feature vapor injection technology, which further boosts cold-weather heating performance.
Myth 2: Heat pumps don't really save money
Fact: 90% of homeowners can reduce their utility bills with a heat pump
The Environmental Protection Agency (EPA) estimates that almost all homeowners can expect to see cost savings by switching to an energy-efficient electric heat pump. Today's heat pump offerings are wide-ranging and can meet the unique needs of almost any home, comfort level, or budget. Innovations in energy efficiency mean less electricity is used to cut costs in most homes. For example, the newly launched YORK® HH8 Side-Discharge Heat Pump can precisely match a home's changing comfort needs while reducing homeowners' energy bills by up to 50% compared to less efficient HVAC systems.
Myth 3: Heat pumps are noisy
Fact: Many heat pumps are as quiet as a dishwasher
No one wants to hear excessive noise coming from their HVAC system. Premium heat pumps combine insulated cabinets and low-sound fan designs to deliver whisper-quiet performance when operating in both heating and AC modes.
Myth 4: Temperatures will be inconsistent
Fact: Heat pumps seamlessly move between heating and cooling for consistent comfort
We all want to feel comfortable in our homes. Variable-speed heat pumps automatically move between heating and cooling modes throughout operation to maintain precise temperature and humidity levels. These seamless adjustments provide unmatched home comfort while helping to maximize energy efficiency, especially when compared to single-phase heat pumps that simply turn on and off and provide inconsistent inside temperatures.
Myth 5: Heat pumps require a lot of space
Fact: New compact designs are 30% smaller than traditional equipment
Innovative, new heat pump designs like the YORK® HH8 Side-Discharge Heat Pump offer top-tier efficiency and variable-speed performance in a compact size. The side-discharge design allows the heat pump to be stacked, placed under raised decks, or installed in zero-lot-line neighborhoods.
Myth 6: Installing a new heat pump is expensive
Fact: A wide range of rebates and incentives are available now
A historic number of savings programs are available to help offset the cost of installing a high-efficiency home heat pump. Through a combination of immediate discounts, tax rebates, and utility and manufacturers' offers, some qualifying homeowners can offset 100% of the cost of installing a heat pump. Additionally, some manufacturers offer simplified financing options with fixed monthly payments to make the investment more manageable.
BPT -- Cooler weather is on the way. As temperatures begin dropping this next month,
rising energy costs for electricity and natural gas are something to be concerned about.
Fortunately, there are a number
of simple, proactive steps you can take that will save on energy and expenses
for your home — while also increasing comfort — today and well into
the future. On top of that, you will also be helping to increase the value of
your home with these effective energy-saving measures.
Consider these 5 steps to help your home become more energy-efficient.
1. Give your furnace or boiler a checkup
Get in the habit of having your furnace or boiler professionally tuned up and
cleaned at least once a year, ideally just before the weather starts turning
colder. Just as you perform regular maintenance on your vehicle, make sure
your entire HVAC system is in top condition — and replace your furnace
filter at least every 90 days — to help your HVAC system run more
efficiently. This will reduce your utility bills over time, while keeping you
and your family warmer.
2. Go tankless
Looking for a great way to cut down on energy usage and also ensure more
consistent access to hot water? Upgrading to a tankless water heater will save
on energy and expenses compared to a traditional water heater. For example,
Noritz EZ Series
high-efficiency, condensing tankless water heaters are engineered to replace
larger, conventional storage tank-type units, cutting both installation time
and costs substantially. The wall-hung technology also has zero footprint in
your home, which is a great space saver for smaller homes or if you just need
more areas for storage. Tankless water heaters efficiently provide continuous
hot water — meaning no more cold showers — along with big energy
savings. In addition, tankless water heaters like the Noritz EZ Series also
result in reduced carbon emissions and have a longer life expectancy than
traditional models. Tankless water heaters use top-mounted water connections,
avoiding the need for additional and costly plumbing. Even better, you can
often find money-saving
rebate programs
from your local gas utility for your new tankless water heater that will help
cut the installed cost even more.
3. Insulate your attic
You’re probably aware that heat rises — so if your attic is not
properly insulated, you may be losing a lot of heated air through your roof
every winter. Lack of good attic insulation can also lead to damage from ice
buildup, which is costly to repair. If you own an older home, it's a good idea
to have your attic inspected for insulation before winter sets in. And while
older homes are the least likely to have properly insulated attics, even if
you have a newer home it’s worth having a professional check to see if
your attic is under-insulated. This can make a big difference when it comes to
heating costs.
4. Make your thermostat programmable
If it’s been a while since you upgraded your thermostat, you may be
surprised at what new programmable thermostats can do to help keep your home
comfortable while also saving on utility bills. The latest models provide much
better fine tuning when setting your thermostat, allowing better control of
the energy you’re using to heat (or cool) your home. You can make sure
you're not overheating your house when you're asleep or not at home. Traveling
or on vacation? New smart thermostats allow you to adjust your home's
thermostat controls remotely, using your phone or another electronic device.
5. Check for leaks
Every year, homeowners lose a lot of heated (or cooled) air through leaks
around areas like windows, doors and chimneys. Inspecting your home for leaks
can alert you to spots where you may need to improve caulking, flashing or
weather-stripping for a fairly low-cost fix. For a longer-term solution, you
may want to consider replacing older, less energy-efficient windows and doors
with new ones. For help finding leaks, call your utility company. Many provide
energy audits to help customers locate trouble spots in their homes.
By taking a few of these proactive steps, you can help your family stay cozy
and comfortable all winter, while also helping to save energy and protect your
budget.
Visit
EZSeries.Noritz.com
to learn more about how you can save energy, space and expenses on heating
water for your home.
by Glenn Mollette, Guest Commentator
The average monthly car payment for a new vehicle is $734 according to second-quarter 2024 Experian data — up 0.1% year after year. Used cars have an average monthly payment of $525, down 2.1%. Meanwhile, new lease payments average $586, a 2.3% decrease.
The average house payment is around $2,700 per month.
The average rent payment is between $1,300 and $1,789 per month.
According to the Bureau of Labor Statistics data, the average single person can spend between $238.46 and $434.33 per month on groceries. Many factors will impact a given individual's expenses, such as location and eating style.
The average family spends about $270 at the grocery store per week, but that number increases when children are taken into account. Families with kids spend an average of $331 a week on groceries or 41% more than families without kids. USA Today Jan. 20, 2024
The average cost of utilities in the U.S. is $500 to $600 per month or $6,000 to $7,200 per year, including electricity, gas, water, sewer, phone, internet, and streaming or cable TV services. Utility bills depend on your location, home and household size, individual utility usage, and your home's efficiency. March 13, 2024 Home Guide
On average, Americans spend between $150 and $200 per month on gas. The amount spent on gas depends on a number of factors, including:
State: Gas prices vary by state.
Lifestyle: Factors such as driving habits can affect how much is spent on gas.
Vehicle type: The type of vehicle a person drives can impact how much they spend on gas. For example, drivers of full-size SUVs pay more on gas than drivers of subcompact or compact cars.
In 2023, the average cost of health insurance in the United States was $8,435 per year for single coverage and $23,968 per year for family coverage. This was a 7% increase from 2022.
The United States has one of the highest costs of healthcare in the world. In 2022, U.S. healthcare spending reached $4.5 trillion, which averages to $13,493 per person. By comparison, the average cost of healthcare per person in other wealthy countries is less than half as much.
For children attending public school from kindergarten to 12th grade, parents can expect to spend a total of roughly $162,899.86 on their child's education and related activities.
Unfortunately, it takes money to pay the bills. Living a modest lifestyle requires a monthly intake of cash - a lot of cash.
You might survive for a while on a small income but as you can see from any of the items above that a modest income makes life a strain when it comes to paying the bills.
Many Americans are already working two jobs. The runaway cost-of-living in America has made it almost impossible for average people to keep their heads above water. Anything that you buy costs a fortune. The cost-of-living increase needs to come to a halt so that Americans can catch up. Until this happens millions of Americans will continue to experience financial strain.
Glen Mollett is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
CHICAGO -- Forecasters are predicting another season of cold, wet weather for Illinois and the upper Midwest this winter, which could bring some high energy bills.
The National Weather Service, the National Oceanic Atmospheric Administration, and the Old Farmer's Almanac are all calling for a snowier-than-usual season, with major storms possible in January and February.
Illinoisans are being advised to take steps now to make their homes and businesses more energy-efficient.
Whitney Hayes, research analyst for the nonprofit advocacy group Elevate, said folks who heat with gas should prepare to dig deep into their wallets.
"There's a couple of things going on with gas prices, one of which is the cost of gas itself," Hayes pointed out. "And so, that does fluctuate depending on the market and depending on what's going on in the world. I mean, gas prices globally are up, it's not just the U.S."
The nonprofit Citizens Utility Board said natural gas prices have doubled or tripled in the past two years, and gas futures just hit a 14-year high. Analysts estimate for November through March, natural gas customers can expect to pay between $1,200 and $1,400 to heat their homes.
Hayes pointed out homeowners could save a significant amount on their energy bills and cut greenhouse gas emissions by switching to electric appliances. While it is not something everyone can afford, she stressed making even minor changes can cut costs.
"Even small things like making sure that there's air sealing around windows and doors, electrical sockets," Hayes outlined. "Even those things can add up when you kind of seal it in -- almost 10% of energy savings -- by doing those small little things."
Hayes added higher gas bills are often a result of regulators allowing utilities to pass along cost increases they incur in what they pay for gas, and the cost of maintaining and expanding the equipment they use to deliver it. She explained both can increase a ratepayer's bottom line.
"In the U.S., and especially in the Illinois-Chicago area, there's a lot of infrastructure costs that people are paying for," Hayes noted. "Gas companies have made all these plans to improve the infrastructure, so that gets funneled down into people's bills."
Numerous people have frozen to death in America this winter. They literally died from exposure to the cold.
In nearby Evansville, Indiana a homeless man was found in his routine sleeping spot after a night of frigid temperatures. He was dead. Like any of us, he could not survive trying to sleep in the sub-zero temperature.
Police reportedly told the homeless man that he needed to seek shelter or he wouldn’t survive. I do not know why he was homeless. I do not know why he wasn’t in the local homeless shelter. With any such tragic death there are always questions, speculation, and seldom not enough answers.
Possibly there wasn’t enough room in the shelter. Maybe he just ignored reason and thought he could survive.
I do know it’s easy to tell someone “you need to eat,” but maybe they don’t have any money to buy food. Or we tell a homeless person, “You need to get off the street and seek shelter.” What if he or she has no place to go? Homeless shelters have limitations and maybe some wear out their welcome.
The whole idea scares most churches.
I see a homeless person and can’t keep from thinking, "This is someone’s father or son. This is someone’s mother or daughter. This could be me or someone I know." All of us are one bad decision from being homeless. By the grace of God, I hope no one reading this column is without a place to sleep or food to eat.
I have to wonder why some churches aren’t unlocked on these frigid nights? Churches talk about ministry, caring, love, reaching out, helping others, and other religious talk. For the average church in America, it will be a cold day in hell before they ever unlock their doors and let a bunch of homeless people sleep on the pews. Of course, we can’t be too hard on our churches. Homeless people can be scary. They are very needy. They need money, food, and clothes. They need everything. They may have mental issues. They may have criminal records. Who knows?
There is always the consideration of who would monitor the church and the crowd sleeping in the church? They need access to bathrooms. They need food. The whole idea scares most churches.
The average church would rather send their money to their denominational headquarters in the big city. Many churches give up to 20% and sometimes more to the denominational state headquarters. Often the state level headquarters send a large amount on up to the national headquarters. These entities tell local churches about how much good their money is doing to help others across the state, nation and around the world.
They pat the local churches on the back. Recognize the pastor at state meetings. Print the church name on the denominational website or publication. The local church and local pastor sit back and think, “We are really special because we send all this money out of town to do such great ministry.” At the state denominational headquarters and national headquarters, the big dog people are collecting $150,000 to $250,000 a year while on the national level there are reported salary packages of over a half million dollars a year. This is of course all done in the name of the Lord and service to Christ.
Back at home, the homeless sleep on the sidewalks while the church doors are locked. Kids go to school with inadequate coats and shoes. Families in the community can’t afford to keep their utility bills paid or buy groceries. So many of these same churches send their money out of town every month while paying their own pastor a minimal income. They can’t afford to pay their custodial care or take very good care of their own staff because they are sending money down to the state office.
I hope we will wake up in this country and in our local churches. We have severe needs and opportunities to do a great service right in front of us. It’s not wrong to send money out to help others but we need to see what and who are right in front of us and do ministry at our own front door.
Dr. Mollete was a senior minister for 39 years and served as President of the Kentucky Baptist Convention. He is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states.
The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
Imagine a family of six people coming to your house. They knock on the door. They look tired, frail, dirty and very hungry. They are desperate. Two of the six people are under six years old. Their clothes are rags and their shoes are barely still on their feet. They tell you about their plight. They have traveled a long way. They left their country in search of a better life. They need you to help them. They need you to give them shelter, food, clothes and some cash. They need to stay with you for a while.
What if your sole income is $2,000 a month in Social Security? What if your pantry is no longer overstocked? What if you have trouble saving enough money each month to pay your utility bills and keep your car running? Your heart goes out to these people.
You would like to help them, but you don’t have the means to care for yourself and so you have to say, "I can’t. The reason I can’t is because seriously, I just don’t have the financial means to do so."
The next thing that happens is they totally ignore what you’ve just said and come into your house anyway. They scatter out to your bedrooms and begin to make themselves at home. They open your refrigerator and eat the food you have and then ask you to fix them more. Next, they need money.
"Do you have money you can please give us?" they ask. You ask them to leave but they remind you they are desperate people who need for you to help them.
Next, they insist you go to the bank and draw out your life savings and hand it over to them. They are desperate and need money. They promise they will leave. Now you are scared.
You wonder what’s next? You call The White House. You talk to Joe Biden and he lets you know that Kamela Harris is on top of this and hangs up. Of course, you don’t see any of them moving in with him. Delaware is a long way from the border. He doesn’t figure Immigrants will be much of a problem up there when he retires.
At least sixty thousand immigrants are coming to the border of Mexico to enter the United States. They are all desperate people in search of adequate housing, jobs, free education, free medical insurance and more.
Panama’s Prime Minister sounded a warning that a massive group is passing their county and many of them are coming from Haiti. Erika Mouynes is reported to have notified the White House of the most recent migration surge. She recently described how her country has seen 80,000 Haitian immigrants and evacuees crossing from South America, through Panama, headed to the United States this year.
Outlaws rob out of desperation. Drug addicts steal and kill out of desperation. Rapists assault out of deranged desperation. We don’t overlook these criminal acts in America.
They are coming here. They are moving in. They are desperate for shelter, food, free education, free Medicare, free transportation and more. Their desperation doesn’t make it right.
America is a nation of immigrants. Most of them have come legally and followed an orderly process. If our national leaders do not gain control of our border crisis a further humanitarian crisis unlike, we’ve ever seen is fast approaching.
Dr. Glenn Mollette is a syndicated American columnist and author of American Issues, Every American Has An Opinion and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.
This article is the sole opinions of the author and does not necessarily reflect the views of The Sentinel. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
Feeling like you have some control over your life is vital for life happiness.
Control is not always easy. It takes planning, sacrifice, work and good fortune.
Lots of things can happen in life that will shake the earth beneath our feet. Illness, weather disaster, a bad accident, and stupid mistakes. We are all vulnerable to any and all of these.
Considering anything can happen in life and chances are it will, we can all still make an effort to be in control of our daily lives.
First, know who you are and build on who you are. There is only one you and there will never be another like you. Chances are you may have become a clone. You started out as an original but became someone else. You may have redesigned your life to be accepted by a certain workforce, group, religious entity, fraternity, sorority, or political party mindset. This works for a while but you won’t be very happy because it requires more work to not be you than it takes to just be you.
Our country helps millions with Social Security disability and Medicare.
This doesn’t mean that you can’t be a better you. We all can and should strive to be better, smarter, and the best we can be. Being a lazy, irresponsible, and ignorant are sure ways to not feel good or very secure in life. Life security and a feeling of having control over our lives requires work and living higher. Living lower will sink you. Build on who you are for success and happiness.
Next, you have to work. Yes, we have to work. It’s essential to life security. The person who can work and wants to work will feel better and sleep better. There are all kinds of work and not every kind of work is for everyone. Discover what kind of work you enjoy and can do and learn to do it as well as you can. Working will give you a feeling of well-being. Millions of people in America can’t work for various reasons. Disability happens, millions are handicapped by various health related issues.
Our country helps millions with Social Security disability and Medicare. At least with these government assistance programs people have something on which to survive. Keep in mind that a disability income in never a ticket to prosperity. What you can afford will be very limited.
However, I do know people who have done well investing in the stock market even on a limited disability income and have done amazingly well financially. Keep in mind if you are going to make a house or car payment it requires a serious income and a paying job. Try to lock into a job that you enjoy and can do.
Third, save money and stay out of debt as much as possible. Buy a house you can afford and save some money every month in an IRA or 401k or whatever is available to you. Research index funds and consider buying some stock in an index fund as you can. Index fund fees are typically cheaper. I’m not a stock advisor so do your own investigating.
A school teacher friend bought index fund stocks every month for years and ended up with over a million dollars in stock by her retirement. Money isn’t everything but you’ll sleep better if you know you can buy groceries tomorrow and can pay your utility bills.
Finally, take a few minutes every morning and at the end of the day to be grateful. Give God thanks for all and anything you have and ask him to give you strength, wisdom and peace for the day or throughout the night.
He is the author of 13 books including Uncommon Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
BPT - Transforming unused areas of a home into comfortable, functional spaces can be easier than one might think thanks to modern heating and cooling solutions. Whether it's a sunroom that's too cold to enjoy in the winter, a garage that turns into a sauna during the summer, or a basement that's always chilly, the right systems can help create a comfortable environment in every corner of a home. These innovative solutions improve comfort while maximizing a home's usability and value.
Following are tips on how homeowners can unlock the full potential of their home's living space, making it enjoyable 365 days a year.
Transform a Sunroom into a Four-Seasons Retreat
Sunrooms offer a bright, inviting space, but they're often underutilized due to extreme temperatures. Installing a ductless mini-split system provides efficient heating and cooling, making a sunroom comfortable no matter the season.
Mini-splits, such as a Friedrich® Floating Air ™ Mini-Split System, are ideal for spaces without existing ductwork, offering an easy, non-invasive installation. These systems allow precise temperature control, ensuring the sunroom stays cozy in winter and cool in summer. Plus, its energy efficiency helps homeowners enjoy this space without worrying about high utility bills. Operating quietly, mini-splits let users relax or entertain without background noise disrupting the peace.
Turn the Garage into a Temperature-Controlled Bonus Space
Garages are often overlooked when it comes to heating and cooling, leaving them uncomfortable for extended use. Garages can serve as home gyms, workshops or extra storage. However, without proper heating and cooling, they're often too hot in the summer and too cold in the winter. Installing another ductless option like Floating Air ™ Pro can combat that problem, converting a garage into a comfortable, climate-controlled space fit for year-round use.
Photo provided
Their advanced smart technology allows the user to set customized, true room-by-room comfort with individually controlled indoor options. Quiet and efficient, a mini-split transforms a garage into a functional extension of the home.
Enhance Basement Comfort with Zoned Systems
For any homeowner planning to upgrade their HVAC system, it's the perfect time to think about the entire home - especially those spaces that are underutilized, like the basement. With the right heating and cooling solutions, every corner of the home can be comfortable and functional all year long, including areas that aren't used every day.
Combining Rheem's Heat Pump with an Air Handler can create a zoned system that offers tailored comfort while maximizing energy efficiency. Pair that system with the company's EcoNet Smart Thermostat's Zoning Solution to make it easy to condition the basement only when needed, which is ideal for spaces that are not used year-round. With a simple adjustment on the EcoNet Smart Thermostat, the master control for the zoning system, a homeowner can open a damper to direct airflow into the basement, ensuring it's comfortable when occupied and conserving energy when it's not.
By adding home solutions such as mini-splits, heat pumps and air handlers, homeowners can unlock a home's full functionality and comfortably enjoy each room year-round.
Renovating doesn’t have to be expensive. Small updates can make a big difference.
Photo: Gypsum Partition/Pixabay
SNS - Renovating your home can be affordable with the right approach. Simple changes, like repainting walls or updating fixtures, can create a fresh, modern look without a high price tag. Whether you’re improving outdated spaces or enhancing functionality, these budget-friendly renovation ideas to modernize your home will help you achieve a stylish, updated space while staying within your budget.
Focus on Comfort While Modernizing
Creating a comfortable and welcoming environment doesn’t have to be expensive. Focus on creating cozy spaces in your home by incorporating soft lighting, warm textiles, and functional furniture. Add plush rugs, throw blankets, and cushions to living areas for a cozy feel. Rearrange furniture to create intimate seating arrangements that encourage conversation.
Repaint Your Walls for an Instant Refresh
A fresh coat of paint is an affordable way to change a room’s appearance. Choose modern, neutral colors to create a timeless look. Painting your walls can also brighten dark spaces or make smaller rooms feel larger. Consider using high-quality paint that lasts longer and reduces the need for frequent touch-ups.
Accent walls are another great option for adding personality without extra cost. Use bold colors or wallpaper to draw attention to a specific area.
Update Lighting Fixtures for a Modern Touch
Old lighting fixtures can make your home feel outdated. Replacing them with new, stylish options is a simple and affordable fix. Look for budget-friendly pendant lights, LED strip lighting, or modern chandeliers to elevate your space.
Smart lighting systems are an excellent investment if you want added convenience. These systems let you control lighting remotely and can save energy over time.
Utilize Mobile Storage During Renovations
Renovating your home often requires clearing out rooms to make space for the updates. A convenient solution offered by COWS Mobile Storage is portable storage units delivered right to your doorstep. These units are perfect for safely storing furniture, decor, and other items during your renovation process. By keeping your belongings out of the way, you can work more efficiently and protect your items from potential damage.
Transform Flooring with Peel-and-Stick Tiles
Replacing flooring can be expensive, but peel-and-stick tiles are a cost-effective alternative. These tiles are easy to install and come in various styles, including wood-look and stone designs.
Peel-and-stick tiles are perfect for kitchens, bathrooms, or any high-traffic areas. They’re also durable, making them a great choice for families. These budget-friendly renovation ideas to modernize your home are easy for anyone to implement and provide great results.
Photo: WarrenMae Investment Group/Pixabay
Transform Your Bathroom for a Luxurious Feel
Upgrading your bathroom doesn’t have to cost a fortune. Small changes like replacing old faucets, adding a new showerhead, or incorporating soft, neutral tones can make a big difference. For a truly relaxing space, consider how to turn your bathroom into a spa-inspired oasis. Adding features like scented candles, fluffy towels, and even peel-and-stick tiles can create a calming, spa-like atmosphere without overspending.
Add Storage Solutions to Declutter Your Space
Cluttered spaces can make your home feel outdated and cramped. Adding budget-friendly storage solutions can solve this problem while modernizing your home.
Floating shelves are a practical and stylish addition to any room. Storage baskets and bins can help organize smaller items while keeping your home tidy.
If you want larger changes, consider installing built-in shelving units or storage benches. These options provide functionality while blending seamlessly into your space.
Install a New Backsplash in Your Kitchen
A new backsplash can completely transform your kitchen’s appearance. Peel-and-stick backsplashes are affordable and easy to install on your own.
Popular styles include subway tiles, geometric patterns, and mosaic designs. Choose materials and colors that complement your existing countertops and cabinets for a cohesive look.
Replace Old Faucets and Showerheads
Outdated plumbing fixtures can bring down the style of kitchens and bathrooms. Replacing them is a budget-friendly way to give these areas a modern look.
Search for fixtures with sleek designs and finishes like chrome, black, or brushed gold. Many new faucets and showerheads also come with water-saving features, which can lower your utility bills.
Create an Accent Wall with Wood Panels or Shiplap
Wood panels or shiplap are great options for adding texture and interest to any room. These materials are affordable and can be installed as a DIY project.
Use shiplap in living rooms, bedrooms, or entryways for a cozy and modern touch. Painted wood panels in darker tones can add sophistication to your home.
Add Outdoor Curb Appeal
Modernizing the exterior of your home can increase its value and make it more inviting. Affordable upgrades include painting your front door, updating outdoor lighting, or adding planters with seasonal flowers.
Pressure washing your driveway and siding can also improve your home’s appearance. These simple steps can make your home feel refreshed without major renovations.
Add Style with Mixed Metals
One of the easiest ways to modernize your home is by updating finishes and fixtures. Consider how to implement mixed metals in your next home renovation project for a trendy and sophisticated look. Combining metals like brushed nickel, matte black, and brass can add depth and visual interest to kitchens, bathrooms, and living spaces. Use this technique thoughtfully by mixing no more than two or three metal finishes in a single room for a cohesive design.
Invest in Energy-Efficient Windows or Insulation
While this option may have a higher upfront cost, it can save you money over time. Energy-efficient windows and insulation reduce heating and cooling bills.
Look for government rebates or local programs that offer financial assistance for these upgrades. This makes it easier to modernize your home while staying within your budget.
Update Textiles and Decor
Small decor changes can have a big impact on the overall style of your home. Swap outdated curtains, rugs, or throw pillows for modern options.
Stick to neutral colors or simple patterns for a timeless appearance. Layering textures like cotton, linen, or faux fur can also make your space feel more modern and inviting.
Modernize Your Home on a Budget Today
Renovating doesn’t have to be expensive. Small updates can make a big difference. Use these budget-friendly renovation ideas to modernize your home and create a space you’ll love.
by Joe Tabor, Senior Policy Analyst Illinois Policy
The feds are circling Illinois House Speaker Mike Madigan in a bribery investigation involving utility giant ComEd. His allies are facing indictments. Members of his party are publicly demanding his ouster as party chair, and they have the votes to deny him another term as House speaker.
It’s tempting to think just overthrowing Madigan will clean up the mess.
But ousting Madigan won’t eliminate Illinois’ ethics problems or disperse power so the state again has representational government. Illinois leaders must throw out the corrupt system Madigan has built over decades.
Three years ago, Madigan celebrated his record as the longest-serving state House speaker in U.S. history. Today, it looks as if his grip on power is slipping. As of this writing, 19 state representatives have publicly opposed Madigan’s re-election this January. But these lawmakers won’t just be voting on Madigan: they’ll also vote to adopt the House Rules, which help determine how much control the speaker has over the legislative process. These rules, coupled with the lack of safeguards against this steady accumulation of power, have led Madigan to where he is today. Without change, a shrewd politician could simply pick up where Madigan left off.
The House Rules establish how business gets done in the legislature. These rules let the speaker decide which bills get a fair hearing and which quietly die. They allow the speaker to select which politicians receive generous stipends as committee chairs. They allow politicians to gut and replace bills to rush through legislation – such as all 1,581 pages of the $40.6 billion fiscal year 2020 budget, originally a single-sentence bill appropriating just $2.
And, contrary to the Illinois Senate, which sets term limits of the Senate president at 10 years, the House Rules do not limit the number of terms a speaker can hold. Terms as speaker should be limited to prevent another Madigan.
This January, state representatives should reject the current House Rules. They can and should be amended.
But change can’t end there. Illinois needs to reform the way it draws political maps. Every 10 years, Illinois is required to redraw voting districts to adjust for shifts in population. But redistricting in Illinois has been used to keep incumbents in power. Earlier this month, 63 candidates ran unopposed for legislative office, including a whopping 52 of the 118 seats in the Illinois House of Representatives. This result is entirely predictable: Illinois legislators are responsible for voting on the map, so of course they will do what they can to benefit themselves. And Madigan’s bid for a new term has centered on his argument that he has the power to deliver another map that keeps his people from facing opponents.
It doesn’t have to be this way. Illinois could join the 17 other states that put independent commissions or other bodies in charge of redistricting – not lawmakers. Voters should choose their elected officials, not the other way around.
There needs to be more transparency and accountability in Springfield. Sitting lawmakers should not be able to lobby local governments or state executive agencies, and they should have a “cooling off” period after leaving the General Assembly before they lobby their former peers, as is the case in most other states. Lawmakers need to provide more detailed financial disclosures and should have to recuse themselves from voting on legislation in which they have a conflict of interest. Finally, the legislative inspector general needs the authority to open investigations and publish findings of wrongdoing without obtaining permission from lawmakers on the Legislative Ethics Commission, who have a propensity to cover for their own.
Madigan may be down, but he’s not out. Whether he can win back enough votes to get a 19th term as speaker remains to be seen, but Illinoisans deserve ethics reform no matter what. Changing the House Rules, adopting fair maps and instituting ethics reforms would begin unraveling Madigan’s web of corruption.
Joe Tabor is a senior policy analyst at the Illinois Policy Institute, a nonpartisan research organization that promotes responsible government and free market principles.
The financial and emotional toll of providing and paying for long-term care is wreaking havoc on the lives of millions of Americans.
by Reed Abelson, The New York Times Jordan Rau, KFF Health New
Kaiser Health News - Margaret Newcomb, 69, a retired French teacher, is desperately trying to protect her retirement savings by caring for her 82-year-old husband, who has severe dementia, at home in Seattle. She used to fear his disease-induced paranoia, but now he’s so frail and confused that he wanders away with no idea of how to find his way home. He gets lost so often that she attaches a tag to his shoelace with her phone number.
The financial and emotional toll of providing and paying for long-term care is wreaking havoc on the lives of millions of Americans. Read about how a few families are navigating the challenges, in their own words. (Read More)
Feylyn Lewis, 35, sacrificed a promising career as a research director in England to return home to Nashville after her mother had a debilitating stroke. They ran up $15,000 in medical and credit card debt while she took on the role of caretaker.
Sheila Littleton, 30, brought her grandfather with dementia to her family home in Houston, then spent months fruitlessly trying to place him in a nursing home with Medicaid coverage. She eventually abandoned him at a psychiatric hospital to force the system to act.
“That was terrible,” she said. “I had to do it.”
Millions of families are facing such daunting life choices — and potential financial ruin — as the escalating costs of in-home care, assisted living facilities, and nursing homes devour the savings and incomes of older Americans and their relatives.
“People are exposed to the possibility of depleting almost all their wealth,” said Richard Johnson, director of the program on retirement policy at the Urban Institute.
The prospect of dying broke looms as an imminent threat for the boomer generation, which vastly expanded the middle class and looked hopefully toward a comfortable retirement on the backbone of 401(k)s and pensions. Roughly 10,000 of them will turn 65 every day until 2030, expecting to live into their 80s and 90s as the price tag for long-term care explodes, outpacing inflation and reaching a half-trillion dollars a year, according to federal researchers.
By 2050, there will be more than 86 million Americans over the age of 65. The U.S. does not dedicate enough funds for long-term care of the aging population. For the most, the financial burden is left on the shoulders of the senior and their financial resources or that of the family.
Photo: Spolyakov/PEXELS
The challenges will only grow. By 2050, the population of Americans 65 and older is projected to increase by more than 50%, to 86 million, according to census estimates. The number of people 85 or older will nearly triple to 19 million.
The United States has no coherent system of long-term care, mostly a patchwork. The private market, where a minuscule portion of families buy long-term care insurance, has shriveled, reduced over years of giant rate hikes by insurers that had underestimated how much care people would actually use. Labor shortages have left families searching for workers willing to care for their elders in the home. And the cost of a spot in an assisted living facility has soared to an unaffordable level for most middle-class Americans. They have to run out of money to qualify for nursing home care paid for by the government.
For an examination of the crisis in long-term care, The New York Times and KFF Health News interviewed families across the nation as they struggled to obtain care; examined companies that provide it; and analyzed data from the federally funded Health and Retirement Study, the most authoritative national survey of older people about their long-term care needs and financial resources.
About 8 million people 65 and older reported that they had dementia or difficulty with basic daily tasks like bathing and feeding themselves — and nearly 3 million of them had no assistance at all, according to an analysis of the survey data. Most people relied on spouses, children, grandchildren, or friends.
The United States devotes a smaller share of its gross domestic product to long-term care than do most other wealthy countries, including Britain, France, Canada, Germany, Sweden, and Japan, according to the Organization for Economic Cooperation and Development. The United States lags its international peers in another way: It dedicates far less of its overall health spending toward long-term care.
“We just don’t value elders the way that other countries and other cultures do,” said Rachel Werner, executive director of the Leonard Davis Institute of Health Economics at the University of Pennsylvania. “We don’t have a financing and insurance system for long-term care,” she said. “There isn’t the political will to spend that much money.”
Most countries spend more than the United States on care, but middle-class and affluent people still bear a substantial portion of the costs. (Read More)
Despite medical advances that have added years to the average life span and allowed people to survive decades more after getting cancer or suffering from heart disease or strokes, federal long-term care for older people has not fundamentally changed in the decades since President Lyndon Johnson signed Medicare and Medicaid into law in 1965. From 1960 to 2021, the number of Americans age 85 and older increased at more than six times the rate of the general population, according to census records.
Medicare, the federal health insurance program for Americans 65 and older, covers the costs of medical care, but generally pays for a home aide or a stay in a nursing home only for a limited time during a recovery from a surgery or a fall or for short-term rehabilitation.
Medicaid, the federal-state program, covers long-term care, usually in a nursing home, but only for the poor. Middle-class people must exhaust their assets to qualify, forcing them to sell much of their property and to empty their bank accounts. If they go into a nursing home, they are permitted to keep a pittance of their retirement income: $50 or less a month in a majority of states. And spouses can hold onto only a modest amount of income and assets, often leaving their children and grandchildren to shoulder some of the financial burden.
At any given time, skilled nursing homes house roughly 630,000 older residents whose average age is about 77.
“You basically want people to destitute themselves and then you take everything else that they have,” said Gay Glenn, whose mother lived in a nursing home in Kansas until she died in October at age 96.
Her mother, Betty Mae Glenn, had to spend down her savings, paying the home more than $10,000 a month, until she qualified for Medicaid. Glenn, 61, relocated from Chicago to Topeka more than four years ago, moving into one of her mother’s two rental properties and overseeing her care and finances.
Under the state Medicaid program’s byzantine rules, she had to pay rent to her mother, and that income went toward her mother’s care. Glenn sold the family’s house just before her mother’s death in October. Her lawyer told her the estate had to pay Medicaid back about $20,000 from the proceeds.
A play she wrote about her relationship with her mother, titled “If You See Panic in My Eyes,” was read this year at a theater festival.
At any given time, skilled nursing homes house roughly 630,000 older residents whose average age is about 77, according to recent estimates. A long-term resident’s care can easily cost more than $100,000 a year without Medicaid coverage at these institutions, which are supposed to provide round-the-clock nursing coverage.
Nine in 10 people said it would be impossible or very difficult to pay that much, according to a KFF public opinion poll conducted during the pandemic.
Efforts to create a national long-term care system have repeatedly collapsed. Democrats have argued that the federal government needs to take a much stronger hand in subsidizing care. The Biden administration sought to improve wages and working conditions for paid caregivers. But a $150 billion proposal in the Build Back Better Act for in-home and community-based services under Medicaid was dropped to lower the price tag of the final legislation.
“This is an issue that’s coming to the front door of members of Congress,” said Sen. Bob Casey, a Pennsylvania Democrat and chair of the Senate Special Committee on Aging. “No matter where you’re representing — if you’re representing a blue state or red state — families are not going to settle for just having one option,” he said, referring to nursing homes funded under Medicaid. “The federal government has got to do its part, which it hasn’t.”
But leading Republicans in Congress say the federal government cannot be expected to step in more than it already does. Americans need to save for when they will inevitably need care, said Sen. Mike Braun of Indiana, the ranking Republican on the aging committee.
“So often people just think it’s just going to work out,” he said. “Too many people get to the point where they’re 65 and then say, ‘I don’t have that much there.’”
Private Companies’ Prices Have Skyrocketed
The boomer generation is jogging and cycling into retirement, equipped with hip and knee replacements that have slowed their aging. And they are loath to enter the institutional setting of a nursing home.
But they face major expenses for the in-between years: falling along a spectrum between good health and needing round-the-clock care in a nursing home.
That has led them to assisted living centers run by for-profit companies and private equity funds enjoying robust profits in this growing market. Some 850,000 people age 65 or older now live in these facilities that are largely ineligible for federal funds and run the gamut, with some providing only basics like help getting dressed and taking medication and others offering luxury amenities like day trips, gourmet meals, yoga, and spas.
The bills can be staggering.
As Americans live longer, the number who develop dementia, a condition of aging, has soared, as have their needs.
Half of the nation’s assisted living facilities cost at least $54,000 a year, according to Genworth, a long-term care insurer. That rises substantially in many metropolitan areas with lofty real estate prices. Specialized settings, like locked memory care units for those with dementia, can cost twice as much.
Home care is costly, too. Agencies charge about $27 an hour for a home health aide, according to Genworth. Hiring someone who spends six or seven hours a day cleaning and helping an older person get out of bed or take medications can add up to $60,000 a year.
As Americans live longer, the number who develop dementia, a condition of aging, has soared, as have their needs. Five million to 7 million Americans age 65 and up have dementia, and their ranks are projected to grow to nearly 12 million by 2040. The condition robs people of their memories, mars the ability to speak and understand, and can alter their personalities.
In Seattle, Margaret and Tim Newcomb sleep on separate floors of their two-story cottage, with Margaret ever mindful that her husband, who has dementia, can hallucinate and become aggressive if medication fails to tame his symptoms.
“The anger has diminished from the early days,” she said last year.
But earlier on, she had resorted to calling the police when he acted erratically.
“He was hating me and angry, and I didn’t feel safe,” she said.
She considered memory care units, but the least expensive option cost around $8,000 a month and some could reach nearly twice that amount. The couple’s monthly income, with his pension from Seattle City Light, the utility company, and their combined Social Security, is $6,000.
Placing her husband in such a place would have gutted the $500,000 they had saved before she retired from 35 years teaching art and French at a parochial school.
“I’ll let go of everything if I have to, but it’s a very unfair system,” she said. “If you didn’t see ahead or didn’t have the right type of job that provides for you, it’s tough luck.”
In the last year, medication has quelled Tim’s anger, but his health has declined so much that he no longer poses a physical threat. Margaret said she’s reconciled to caring for him as long as she can.
“When I see him sitting out on the porch and appreciating the sun coming on his face, it’s really sweet,” she said.
The financial threat posed by dementia also weighs heavily on adult children who have become guardians of aged parents and have watched their slow, expensive declines.
Claudia Morrell, 64, of Parkville, Maryland, estimated her mother, Regine Hayes, spent more than $1 million during the eight years she needed residential care for dementia. That was possible only because her mother had two pensions, one from her husband’s military service and another from his job at an insurance company, plus savings and Social Security.
Morrell paid legal fees required as her mother’s guardian, as well as $6,000 on a special bed so her mother wouldn’t fall out and on private aides after she suffered repeated small strokes. Her mother died last December at age 87.
“I will never have those kinds of resources,” Morrell, an education consultant, said. “My children will never have those kinds of resources. We didn’t inherit enough or aren’t going to earn enough to have the quality of care she got. You certainly can’t live that way on Social Security.”
Women Bear the Burden of Care
For seven years, Annie Reid abandoned her life in Colorado to sleep in her childhood bedroom in Maryland, living out of her suitcase and caring for her mother, Frances Sampogna, who had dementia. “No one else in my family was able to do this,” she said.
“It just dawned on me, I have to actually unpack and live here,” Reid, 61, remembered thinking. “And how long? There’s no timeline on it.”
After Sampogna died at the end of September 2022, her daughter returned to Colorado and started a furniture redesign business, a craft she taught herself in her mother’s basement. Reid recently had her knee replaced, something she could not do in Maryland because her insurance didn’t cover doctors there.
“It’s amazing how much time went by,” she said. “I’m so grateful to be back in my life again.”
Studies are now calculating the toll of caregiving on children, especially women. The median lost wages for women providing intensive care for their mothers is $24,500 over two years, according to a study led by Norma Coe, an associate professor at the Perelman School of Medicine at the University of Pennsylvania.
Lewis moved back from England to Nashville to care for her mother, a former nurse who had a stroke that put her in a wheelchair.
“I was thrust back into a caregiving role full time,” she said. She gave up a post as a research director for a nonprofit organization. She is also tending to her 87-year-old grandfather, ill with prostate cancer and kidney disease.
Making up for lost income seems daunting while she continues to support her mother.
But she is regaining hope: She was promoted to assistant dean for student affairs at Vanderbilt School of Nursing and was recently married. She and her husband plan to stay in the same apartment with her mother until they can save enough to move into a larger place.
Government Solutions Are Elusive
Over the years, lawmakers in Congress and government officials have sought to ease the financial burdens on individuals, but little has been achieved.
The CLASS Act, part of the Obamacare legislation of 2010, was supposed to give people the option of paying into a long-term insurance program. It was repealed two years later amid compelling evidence that it would never be economically viable.
Two years ago, another proposal, called the WISH Act, outlined a long-term care trust fund, but it never gained traction.
On the home care front, the scarcity of workers has led to a flurry of attempts to improve wages and working conditions for paid caregivers. A provision in the Build Back Better Act to provide more funding for home care under Medicaid was not included in the final Inflation Reduction Act, a less costly version of the original bill that Democrats sought to pass last year.
The labor shortages are largely attributed to low wages for difficult work. In the Medicaid program, demand has clearly outstripped supply, according to a recent analysis. While the number of home aides in the Medicaid program has increased to 1.4 million in 2019 from 840,000 in 2008, the number of aides per 100 people who qualify for home or community care has declined nearly 12%.
In April, President Joe Biden signed an executive order calling for changes to government programs that would improve conditions for workers and encourage initiatives that would relieve some of the burdens on families providing care.
Turning to Medicaid, a Shredded Safety Net
The only true safety net for many Americans is Medicaid, which represents, by far, the largest single source of funding for long-term care.
More than 4 in 5 middle-class people 65 or older who need long-term care for five years or more will eventually enroll, according to an analysis for the federal government by the Urban Institute. Almost half of upper-middle-class couples with lifetime earnings of more than $4.75 million will also end up on Medicaid.
But gaps in Medicaid coverage leave many people without care. Under federal law, the program is obliged to offer nursing home care in every state. In-home care, which is not guaranteed, is provided under state waivers, and the number of participants is limited. Many states have long waiting lists, and it can be extremely difficult to find aides willing to work at the low-paying Medicaid rate.
Qualifying for a slot in a nursing home paid by Medicaid can be formidable, with many families spending thousands of dollars on lawyers and consultants to navigate state rules. Homes may be sold or couples may contemplate divorce to become eligible.
And recipients and their spouses may still have to contribute significant sums. After Stan Markowitz, a former history professor in Baltimore with Parkinson’s disease, and his wife, Dottye Burt, 78, exhausted their savings on his two-year stay in an assisted living facility, he qualified for Medicaid and moved into a nursing home.
He was required to contribute $2,700 a month, which ate up 45% of the couple’s retirement income. Burt, who was a racial justice consultant for nonprofits, rented a modest apartment near the home, all she could afford on what was left of their income.
Markowitz died in September at age 86, easing the financial pressure on her. “I won’t be having to pay the nursing home,” she said.
Even finding a place willing to take someone can be a struggle. Harold Murray, Sheila Littleton’s grandfather, could no longer live safely in rural North Carolina because his worsening dementia led him to wander. She brought him to Houston in November 2020, then spent months trying to enroll him in the state’s Medicaid program so he could be in a locked unit at a nursing home.
She felt she was getting the runaround. Nursing home after nursing home told her there were no beds, or quibbled over when and how he would be eligible for a bed under Medicaid. In desperation, she left him at a psychiatric hospital so it would find him a spot.
“I had to refuse to take him back home,” she said. “They had no choice but to place him.”
He was finally approved for coverage in early 2022, at age 83.
A few months later, he died.
Reed Abelson is a health care reporter for The New York Times. The New York Times' Kirsten Noyes and graphics editor Albert Sun, KFF Health News data editor Holly K. Hacker, and JoNel Aleccia, formerly of KFF Health News, contributed to this report originally published .
US Health and Retirement Study Analysis
The New York Times-KFF Health News data analysis was based on the Health and Retirement Study, a nationally representative longitudinal survey of about 20,000 people age 50 and older. The analysis defined people age 65 and above as likely to need long-term care if they were assessed to have dementia, or if they reported having difficulty with two or more of six specified activities of daily living: bathing, dressing, eating, getting in and out of bed, walking across a room, and using the toilet. The Langa-Weir classification of cognitive function, a related data set, was used to identify respondents with dementia. The analysis’s definition of needing long-term care assistance is conservative and in line with the criteria most long-term care insurers use in determining whether they will pay for services.
People were described as recipients of long-term care help if they reported receiving assistance in the month before the interview for the study or if they lived in a nursing home. The analysis was developed in consultation with Norma Coe, an associate professor of medical ethics and health policy at the Perelman School of Medicine at the University of Pennsylvania.
The financial toll on middle-class and upper-income people needing long-term care was examined by reviewing data that the HRS collected from 2000 to 2021 on wealthy Americans, those whose net worth at age 65 was in the 50th to 95th percentile, totaling anywhere from $171,365 to $1,827,765 in inflation-adjusted 2020 dollars. This group excludes the super-wealthy. Each individual’s wealth at age 65 was compared with their wealth just before they died to calculate the percentage of affluent people who exhausted their financial resources and the likelihood that would occur among different groups.
To calculate how many people were likely to need long-term care, how many people needing long-term care services were receiving them, and who was providing care to people receiving help, we looked at people age 65 and older of all wealth levels in the 2020-21 survey, the most recent.
The U.S. Health and Retirement Study is conducted by the University of Michigan and funded by the National Institute on Aging and the Social Security Administration.
KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.
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St. Joseph residents can knock a few dollars off their power bill for the next 12 months.
Recently Ameren Illinois announced lower residential electric rates to the tune of 4.6 cents per kilowatt hour (kwh) starting with this month's meter readings. With the transmission fees, the rate is estimated to be about 4.7 cent per kwh.
According to a press release from the village's electric aggregation consultant Simec, the low bidder for supplying electrical services to residents, the new rate is approximately three-tenths of one cent less than their rate of 5.031 cents.
The average consumer in St. Joseph would save roughly $36 a year switching to Ameren.
Customers that choose to opt out of the aggregation program offered by the village are subject to a lockout period of 12-months with Constellation, the default provider for village. Regulations require consumers who opt out to remain a total of 12 months with Ameren or a supplier of their choice if they do not switch to a new provider within the first two months of the initial change in service.
Once a customer opts out they will be returned automatically to Ameren or to the specified retail electric supplier.
One thing to keep in mind, Ameren, who cites decreased costs in delivering electrical service at this time, may raise their rates at any time if they file with the ICC and demonstrate that their operational expenses have changed. The sole benefit of municipal aggregation is it does offer some measure of price stability since the rates are locked in for a specific period of time.
While Constellation negotiated rate with St. Joseph is among the lowest in the state, Ameren's new rate is appreciably lower in many communities. Quincy's provider bills 5.09/kwh. Effingham residents pay 6.285 with their aggregator. Godfrey’s current municipal electrical aggregation contract with Homefield Energy is at 5.496 until December 2020.
According to the release issued by Simec, residents currently with Constellation can opt out at any time and at no cost. To opt out, they will need to contact Constellation’s customer care center toll free number at (844) 312-9122 and will need only their account number. Customer account numbers can be found at the top of their bill.
PONTIAC - People everywhere are conquering their cabin fever and are enjoying the great outdoors after a long, bitter winter. But before you head out for that hike, health care experts remind you to take precautions to avoid tick bites. Read more . . .
I’ve always known my Arab culture is worth celebrating.
I heard it in Syrian tenor Sabah Fakhri’s powerful voice reverberating in my mom’s car on the way to piano lessons and soccer practice during my youth. I smelled it in the za’atar, Aleppo pepper, allspice, and cumin permeating the air in the family kitchen. Read more . . .
CHAMPAIGN - In a show of solidarity against President Donald Trump's trade and immigration policies, which critics say are harming families and retirement savings, more than a thousand protesters gathered Saturday at West Park near downtown Champaign for the Hands-Off! Mobilization rally. Read more . . .
Photo Galleries
A couple of runners found themselves in the wrong race at this year's Illinois Marathon. Over 60 photos from the race that you should see.