Podcasts about ccrc

As we recognize Kidney Cancer Awareness Month this March, advancements in renal cell carcinoma (RCC) treatment continue to evolve. Recently, Nazy Zomorodian, NP, RNC, MSN, CUNP, CCRC, a Nurse Practitioner and expert in genitourinary oncology, chaired the i3 Health's NCPD activity titled Toxicity Management and Symptom Control in Advanced RCC: Playbook Update. In this interview, she shares updates in RCC treatment, strategies for toxicity management, and the importance of patient education. Click here for the full NCPD activity! https://i3health.com/course-information/toxicity-management-and-symptom-control-in-advanced-rcc-playbook-update

In this episode of LawPod, hosts Kane Miller and Ella Murphy, both law students, interview Northern Ireland Commissioner Johanna Higgins and John Curtis, in-house counsel at the Criminal Cases Review Commission (CCRC). They discuss their backgrounds and roles at the CCRC, explaining how the Commission investigates potential miscarriages of justice. Johanna and John elaborate on the CCRC's powers under the Criminal Appeal Act 1995, including obtaining information from public and private entities, and their ability to have cases re-examined by the courts. They highlight specific cases, the application process, challenges faced, and the importance of raising awareness about the CCRC's work, especially among legal professionals, students, and the general public.

Ken Macdonald KC and Tim Owen KC explore the latest developments in the case of Lucy Letby, as her new barrister holds a second press conference revealing the conclusion of 14 experts that every baby died either as a result of natural causes or because of medical neglect.  Do these new medical opinions ‘demolish' the evidence of the prosecution experts, as her new barrister claims? Or, as some allege, has this new analysis taken place in a vacuum, ignoring  all the circumstantial evidence presented to the jury confirming the Crown's expert testimony that these infants were deliberately harmed, and that their attacker was  Lucy Letby? Ken and Tim also consider the stance of the CCRC in the face of what will certainly be a robust prosecution response to this new material, and look at the approach likely to be taken by the Court of Appeal if the case is referred back to it by the CCRC.  Finally the discussion turns to the increasingly concerted attacks from within government on Richard Hermer, the Attorney General. What does this obviously coordinated campaign of hostile briefing tell us about the relationship between a new Labour administration led by a former human rights barrister, and the law?

A major new study challenges key evidence used to convict Lucy Letby, the former nurse serving 15 whole-life sentences for the murder and attempted murder of infants at the Countess of Chester Hospital. The report, authored by international experts, states that there is "no scientific justification whatsoever" for the claim that Letby deliberately poisoned babies with insulin and highlights a "very strong level of reasonable doubt" about her convictions. Professor Geoff Chase, a world-leading expert on insulin's effects on pre-term babies, said it was "very unlikely" that lethal doses were administered, contradicting the prosecution's case. The trial hinged on blood test results showing low blood sugar, high insulin, and low C-peptide levels. However, a detailed review of the babies' medical records by experts in neonatology and bioengineering found that the data was "inconsistent" with insulin poisoning. The Criminal Cases Review Commission (CCRC) is now formally reviewing the case after a panel of 14 experts found no evidence of murder or deliberate harm. Senior Conservative MP (member of parliament) Sir David Davis has called the case "one of the major injustices of modern times." During Letby's trial, prosecutor Nick Johnson KC (kings court) told jurors the nurse "undoubtedly" poisoned two infants eight months apart by adding synthetic insulin to their feeding bags. However, the 100-page study, authored by Chase and chemical engineering expert Helen Shannon, points out that low blood sugar is "not uncommon" in premature infants. The babies also lacked symptoms typically associated with insulin poisoning, such as seizures or heart arrhythmia. The report, citing over 250 peer-reviewed papers, criticizes the reliability of the immunoassay test used to detect insulin. Shannon stated, "There is no scientific justification whatsoever for the prosecution's claim that there was 'no doubt that these were poisonings.'" She argued that a more forensic test should have been used. The insulin charges were crucial to Letby's conviction, as they were considered the strongest evidence of deliberate harm. Letby's defense lawyer, Benjamin Myers KC, told jurors he could not dispute the test results because the original blood samples had been disposed of. A CPS spokesperson defended the verdicts, stating, "Two juries and three appeal court judges have reviewed a multitude of different strands of evidence against Lucy Letby." The Court of Appeal also rejected her request for an appeal in May 2024. With the CCRC now reviewing the case, the new expert findings raise serious concerns about the reliability of the medical evidence presented at trial. #LucyLetby #JusticeForLucyLetby #LegalReform #WrongfulConviction #MedicalEvidence #InsulinPoisoning #CriminalJustice Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com

A major new study challenges key evidence used to convict Lucy Letby, the former nurse serving 15 whole-life sentences for the murder and attempted murder of infants at the Countess of Chester Hospital. The report, authored by international experts, states that there is "no scientific justification whatsoever" for the claim that Letby deliberately poisoned babies with insulin and highlights a "very strong level of reasonable doubt" about her convictions. Professor Geoff Chase, a world-leading expert on insulin's effects on pre-term babies, said it was "very unlikely" that lethal doses were administered, contradicting the prosecution's case. The trial hinged on blood test results showing low blood sugar, high insulin, and low C-peptide levels. However, a detailed review of the babies' medical records by experts in neonatology and bioengineering found that the data was "inconsistent" with insulin poisoning. The Criminal Cases Review Commission (CCRC) is now formally reviewing the case after a panel of 14 experts found no evidence of murder or deliberate harm. Senior Conservative MP (member of parliament) Sir David Davis has called the case "one of the major injustices of modern times." During Letby's trial, prosecutor Nick Johnson KC (kings court) told jurors the nurse "undoubtedly" poisoned two infants eight months apart by adding synthetic insulin to their feeding bags. However, the 100-page study, authored by Chase and chemical engineering expert Helen Shannon, points out that low blood sugar is "not uncommon" in premature infants. The babies also lacked symptoms typically associated with insulin poisoning, such as seizures or heart arrhythmia. The report, citing over 250 peer-reviewed papers, criticizes the reliability of the immunoassay test used to detect insulin. Shannon stated, "There is no scientific justification whatsoever for the prosecution's claim that there was 'no doubt that these were poisonings.'" She argued that a more forensic test should have been used. The insulin charges were crucial to Letby's conviction, as they were considered the strongest evidence of deliberate harm. Letby's defense lawyer, Benjamin Myers KC, told jurors he could not dispute the test results because the original blood samples had been disposed of. A CPS spokesperson defended the verdicts, stating, "Two juries and three appeal court judges have reviewed a multitude of different strands of evidence against Lucy Letby." The Court of Appeal also rejected her request for an appeal in May 2024. With the CCRC now reviewing the case, the new expert findings raise serious concerns about the reliability of the medical evidence presented at trial. #LucyLetby #JusticeForLucyLetby #LegalReform #WrongfulConviction #MedicalEvidence #InsulinPoisoning #CriminalJustice Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com

A major new study challenges key evidence used to convict Lucy Letby, the former nurse serving 15 whole-life sentences for the murder and attempted murder of infants at the Countess of Chester Hospital. The report, authored by international experts, states that there is "no scientific justification whatsoever" for the claim that Letby deliberately poisoned babies with insulin and highlights a "very strong level of reasonable doubt" about her convictions. Professor Geoff Chase, a world-leading expert on insulin's effects on pre-term babies, said it was "very unlikely" that lethal doses were administered, contradicting the prosecution's case. The trial hinged on blood test results showing low blood sugar, high insulin, and low C-peptide levels. However, a detailed review of the babies' medical records by experts in neonatology and bioengineering found that the data was "inconsistent" with insulin poisoning. The Criminal Cases Review Commission (CCRC) is now formally reviewing the case after a panel of 14 experts found no evidence of murder or deliberate harm. Senior Conservative MP (member of parliament) Sir David Davis has called the case "one of the major injustices of modern times." During Letby's trial, prosecutor Nick Johnson KC (kings court) told jurors the nurse "undoubtedly" poisoned two infants eight months apart by adding synthetic insulin to their feeding bags. However, the 100-page study, authored by Chase and chemical engineering expert Helen Shannon, points out that low blood sugar is "not uncommon" in premature infants. The babies also lacked symptoms typically associated with insulin poisoning, such as seizures or heart arrhythmia. The report, citing over 250 peer-reviewed papers, criticizes the reliability of the immunoassay test used to detect insulin. Shannon stated, "There is no scientific justification whatsoever for the prosecution's claim that there was 'no doubt that these were poisonings.'" She argued that a more forensic test should have been used. The insulin charges were crucial to Letby's conviction, as they were considered the strongest evidence of deliberate harm. Letby's defense lawyer, Benjamin Myers KC, told jurors he could not dispute the test results because the original blood samples had been disposed of. A CPS spokesperson defended the verdicts, stating, "Two juries and three appeal court judges have reviewed a multitude of different strands of evidence against Lucy Letby." The Court of Appeal also rejected her request for an appeal in May 2024. With the CCRC now reviewing the case, the new expert findings raise serious concerns about the reliability of the medical evidence presented at trial. #LucyLetby #JusticeForLucyLetby #LegalReform #WrongfulConviction #MedicalEvidence #InsulinPoisoning #CriminalJustice Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com

A major new study challenges key evidence used to convict Lucy Letby, the former nurse serving 15 whole-life sentences for the murder and attempted murder of infants at the Countess of Chester Hospital. The report, authored by international experts, states that there is "no scientific justification whatsoever" for the claim that Letby deliberately poisoned babies with insulin and highlights a "very strong level of reasonable doubt" about her convictions. Professor Geoff Chase, a world-leading expert on insulin's effects on pre-term babies, said it was "very unlikely" that lethal doses were administered, contradicting the prosecution's case. The trial hinged on blood test results showing low blood sugar, high insulin, and low C-peptide levels. However, a detailed review of the babies' medical records by experts in neonatology and bioengineering found that the data was "inconsistent" with insulin poisoning. The Criminal Cases Review Commission (CCRC) is now formally reviewing the case after a panel of 14 experts found no evidence of murder or deliberate harm. Senior Conservative MP (member of parliament) Sir David Davis has called the case "one of the major injustices of modern times." During Letby's trial, prosecutor Nick Johnson KC (kings court) told jurors the nurse "undoubtedly" poisoned two infants eight months apart by adding synthetic insulin to their feeding bags. However, the 100-page study, authored by Chase and chemical engineering expert Helen Shannon, points out that low blood sugar is "not uncommon" in premature infants. The babies also lacked symptoms typically associated with insulin poisoning, such as seizures or heart arrhythmia. The report, citing over 250 peer-reviewed papers, criticizes the reliability of the immunoassay test used to detect insulin. Shannon stated, "There is no scientific justification whatsoever for the prosecution's claim that there was 'no doubt that these were poisonings.'" She argued that a more forensic test should have been used. The insulin charges were crucial to Letby's conviction, as they were considered the strongest evidence of deliberate harm. Letby's defense lawyer, Benjamin Myers KC, told jurors he could not dispute the test results because the original blood samples had been disposed of. A CPS spokesperson defended the verdicts, stating, "Two juries and three appeal court judges have reviewed a multitude of different strands of evidence against Lucy Letby." The Court of Appeal also rejected her request for an appeal in May 2024. With the CCRC now reviewing the case, the new expert findings raise serious concerns about the reliability of the medical evidence presented at trial. #LucyLetby #JusticeForLucyLetby #LegalReform #WrongfulConviction #MedicalEvidence #InsulinPoisoning #CriminalJustice Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com

Ken Macdonald KC and Tim Owen KC are joined by guest Chris Henley KC, to explore the terrible miscarriage of justice which led to Andrew Malkinson spending 17 years in prison for a rape he didn't commit.  Looking at Chris's report into the scandal, they examine the failures of the Criminal Cases Review Commission, and  its atrocious mishandling of crucial DNA evidence.  What lay behind the CCRC's reluctance to revisit this wrongful conviction, and why did it betray its founding mission?  They also consider the danger of relying on identification evidence, and the Court of Appeal's much overdue quashing of Malkinson's conviction, which it delivered with no apology. Why is there still such cultural resistance to the idea that innocent people can be convicted? And why aren't Court of Appeal judges providing a stronger lead in uncovering injustice?

In today's episode, we are joined by renowned solicitor Michael Madden from Madden Finucane Solicitors in Belfast. Michael takes us through his journey into law, beginning as a junior legal assistant on landmark legacy cases such as Bloody Sunday, and evolving the firm into one of the most respected names in human rights and criminal justice. Sarah and Michael also discuss the recent UK government announcement of a public inquiry into the murder of solicitor Pat Finucane as well as Michael's role in representing NI sub-postmasters wrongfully convicted in the infamous Post Office Scandal, widely regarded as one of the UK's most significant miscarriages of justice.  Michael Madden graduated in Law from Queen's University Belfast in 2002, was admitted as a Solicitor in 2006, and qualified as a Solicitor-Advocate in 2009. He previously worked for a respected London criminal firm where he completed his training contract.   About Michael Madden is a qualified solicitor-advocate specialising in criminal law. He represents clients throughout each stage of the criminal justice system, from clients under arrest in police stations, through to the Magistrates' Court, Crown Court, High Court, and the Court of Appeal. He also regularly represents prisoners before the Parole Commissioners of Northern Ireland. Michael also acts as a solicitor-advocate for clients detained under the Mental Health Order before the Mental Health Review Tribunal. He has a special interest in Human Rights Law. Michael has attended the Office of the United Nations High Commissioner for Human Rights in New York as part of a human rights campaign team concerning the independence of lawyers, highlighting the murder of Pat Finucane in particular. Notable cases: NI Court of Appeal • R v Alan McLaughlin First Post Office / Horizon scandal case in Northern Ireland to have convictions overturned in 2022. • R v James Alexander Smith First referral in NI from the CCRC regarding joint enterprise for murder cases in 2022. • DPP Ref (Number 5 of 2019) Harrington Legen Jack Guideline sentencing case in NI for fraud and theft where the offender is in a position of trust. It also gave guidelines for the appropriate remedy where a court has found there has been a breach of the right to have a criminal hearing within a reasonable time. • R v Gerard Connors [2011] NICC 35 Successful application to reduce the tariff length of a life sentence for murder. • EM Successful application to overturn an extradition order to Germany in 2015. Other notable cases • Inga Maria Hauser murder Represented man arrested for murder but received a “no prosecution” decision from the PPS in 2020. • PPS v GK Represented man in the Magistrates' Court accused of being a “paedophile hunter” who received a non-custodial sentence in 2019. • R v BM Represented man in Belfast Crown Court who received a non-custodial sentence in 2016 for offences concerning bomb hoaxes and threats made to various individuals and airports in the USA and other countries. • PPS v TH Represented man accused of possessing a large amount of semtex acquitted in 2014. • R v FC Represented man accused of “sex slave ring” at Belfast Crown acquitted in 2012.

What does it take to lead a thriving 300+ resident community? Find out as Nate Weyand, Executive Director of Querencia Barton Creek, to discuss recruitment challenges, fostering a culture of care, and recent renovations to elevate resident spaces. Join us as we explore the strategies behind exceptional senior living leadership.Watch the Querencia documentary with The Bridge Group Construction.Produced by Solinity Marketing.Become a sponsor of Bridge the Gap.Connect with BTG on social media:YouTubeInstagramFacebookTwitterLinkedInTikTokMeet the Hosts:Lucas McCurdy, @SeniorLivingFan Owner, The Bridge Group Construction; Senior Living Construction Renovation, CapEx, and Reposition. Joshua Crisp, Founder and CEO, Solinity; Senior Living Development, Management, Marketing and Consulting.

The job of the Criminal Cases Review Commission - or CCRC - is to investigate cases where people may have been wrongfully convicted of a crime in the criminal courts of England, Wales, and Northern Ireland. The CCRC has faced criticism over it's actions - or lack of action - in a high-profile miscarriage of justice. In April this year, the CCRC offered an unreserved apology to Andrew Malkinson. He spent 17 years in prison following conviction for a rape in Salford that he didn't commit. DNA testing which led to his conviction being quashed was not commissioned by the CCRC, and in July, an independent review found that he could have been freed five years after receiving a life sentence in 2003. After the report was published, the Justice Secretary called for the resignation of the chair of the CCRC, Helen Pitcher. However, she said she was still the “best person” for the job and that she had no intention of standing down. So how does the Criminal Cases Review Commission work? How does it make decisions about which cases should go back to the Court of Appeal, and which should be rejected?Also this week: - Are the laws around accessing social care for disabled children too complicated? - And if you're selling your home - are you legally bound to mention problem neighbours? Presenter: Dr Joelle Grogan Producers: Ravi Naik and Nathan Gower Editor: Tara McDermott Production Coordinator: Maria OgundeleContributors Dr Hannah Quirk, a Reader in Criminal Law at King's College London, who also used to work at the CCRC. Professor Alison Young, Commissioner for Public and Welsh Law, the Law Commission. Catriona Moore, policy manager at IPSEA, a charity which helps parents with SEND legislation - Special Educational needs and disabilities. Tracey Moloney, from Moloney Family Law, also known as the Legal Queen on social media

What is a CCRC? On this episode we discuss some of the basics for retirees and soon to be retirees to understand about Continuing Care Retirement Communities. Glenn is available for in person and online meetings if you'd like to discuss or strategize about your personal situation. Simply give us a call at (336) 291-3535 or visit ScheduleSomeTime.com to get on his calendar. As always, please remember to click the “Share” button to share our podcast with friends, family and colleagues.   Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, Charles Schwab & Co. Inc., and Nationwide Advisory Solutions.

Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine talks with author and researcher Howard Gleckman about long-term care.  How Long-Term Care Differs from Conventional HealthcareWhy Americans Need More Long-Term Care Than Ever BeforeLong-Term Care Isn't Just in Nursing HomesDoes Medicare Cover Long-Term Care Costs?Who Should Consider Long-Term Care Insurance?The Financial Implications of Continuing Care Retirement CommunitiesHoward Gleckman's Experience with Long-Term Care Key Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well.If you read my work regularly, you know that I'm a little bit obsessed with the topic of long-term care, not just how to pay for it, but also all of the other dimensions of it, like the impact on families. To help discuss that topic, I reached out to Howard Gleckman. He is the author of a book called Caring for Our Parents, and he is also a Senior Fellow at the Urban Institute, where he is affiliated with the Tax Policy Center and the Program on Retirement Policy. He also writes a great blog for Forbes. I asked him to discuss the basics of long-term care, as well as the financial ramifications and implications for caregivers. More from Howard GleckmanBioForbes ColumnUrban InstituteTaxVox blogCaring For Our Parents, by Howard GleckmanHoward Gleckman on The Long View: ‘We Pretend This Isn't a Problem' Read more from Christine Benz.How to Retire: Tips for Entering RetirementThe Hidden Crisis in Long-Term CareHow Likely Are You to Need Long-Term Care?6 Steps for Smart Long-Term-Care PlanningWorried About Long-Term Care Expenses? Let's Do Something About It. Watch more from How to Retire.How to Retire: Prioritize Tax Planning in RetirementHow to Retire: Transition from Saving to SpendingHow to Retire: Consider a Retirement Bucket Portfolio StrategyHow to Retire: Know What ‘Enough' Means in RetirementHow to Retire: Understand the Role of Working LongerHow to Retire: Stay Flexible with Your Retirement Spending  Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523

Charles Swindell, the CEO of Glycotest, a EMV Capital portfolio company, talked with Proactive's Stephen Gunnion about the company's progress in liver disease diagnostics, specifically its new partnership with the University of Georgia's Complex Carbohydrate Research Center (CCRC). Swindell highlighted Glycotest's focus on detecting early-stage liver cancer using their HCC Panel blood test, which aims to address current limitations in liver cancer diagnostics that often miss early-stage cases. "Our flagship test is the HCC Panel for curable early-stage liver cancer," Swindell noted, explaining how the test could detect cases missed by standard tests. Swindell emphasised the partnership with the University of Georgia CCRC as essential for finalising the commercial platform, which will use the expertise of CCRC in carbohydrate-derived biomarkers for liver disease. With 3.1 million potential test candidates in the US alone and an additional 380 million globally, the market opportunity is vast. "We believe that we are well differentiated from competitors," he added, pointing to the unique biomarkers Glycotest employs. To hear more about Glycotest's plans for commercialization and how its technology could impact liver disease diagnosis, watch the full interview. Visit Proactive's YouTube channel for more updates, and don't forget to like, subscribe, and turn on notifications for our latest videos. #Glycotest #LiverCancer #LiverDisease #CancerDiagnostics #CharlesSwindell #HCCPanel #ProactiveInvestors #MedicalInnovation #UGAPartnership #BiomarkerResearch #HealthTech #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

Christine Oyler, Services Planning Coordinator at Bellomo & Associates, is the firm's Medicaid team member. Since 2016, Christine has used her nursing experience and Medicaid knowledge to help clients better understand the Medicaid system and make the best choices for themselves and their families. As part of this work, she sits down with Jeff to discuss some of the lesser-known factors that can affect your asset protection strategy and Medicaid eligibility.   WHAT YOU NEED TO KNOW   (00:00) Episode introduction.   (03:15) A “529 account” helps people save for educational expenses. However, a 529 account could affect your eligibility for Medicaid.      (06:22) Funds in a “uniform transfer to minors account” are exempt from Medicaid eligibility even within the five-year lookback period.    (07:23) When filing a Medicaid application, estranged spouses must prove that they are living separate lives with separate finances. A hearing may be necessary.   (10:48) Divorcing and giving the “community” spouse 100% of assets to gain Medicaid eligibility is a red flag for possible fraud. Additionally, this scenario limits protection of the community spouse's assets.     (14:20) When people get married and enter into a prenup to keep finances separate, the state can still make a claim on the resources of the community spouse. The same applies to postnuptial agreements.    (16:47) Some blended families have wills designed to keep inheritable resources separate for the “original” children. This does not protect the assets of the community spouse.     (19:05) Continuing care retirement communities (CCRCs) often have a “benevolent fund” available to pay for care if a person—who is not yet in skilled care—runs out of money. There are many factors to consider under this scenario.   (24:26) Having your assets in a trust would not necessarily disqualify you from entering a CCRC. But, at the least, you likely would need to have sufficient funds in your name alone to buy in. Estate planning options are available to manage this scenario.     (27:57) Typically, a benevolent fund contract will restrict the amount and type of gifting that is allowed while the contract is in force.     ABOUT BELLOMO & ASSOCIATES   Jeffrey R. Bellomo, the founder of Bellomo & Associates, is a licensed and certified elder law attorney with a master's degree in taxation and a certificate in estate planning. He explains complex legal and financial topics in easy-to-understand language. Bellomo & Associates is committed to providing education so that what happened to the Bellomo family doesn't happen to your family. We conduct free workshops on estate planning, crisis planning, Medicaid planning, special needs planning, probate administration, and trust administration. Visit our website (https://bellomoassociates.com/) to learn more.   LINKS AND RESOURCES MENTIONED Bellomo & Associates workshops:https://bellomoassociates.com/workshops/ Life Care Planning The Three Secrets of Estate Planning Nuts & Bolts of Medicaid For more information, call us at (717) 845-5390. Connect with Bellomo & Associates on Social Media Tune in Saturdays at 7:30 a.m. Eastern to WSBA radio: https://www.newstalkwsba.com/ X (formerlyTwitter):https://twitter.com/bellomoassoc YouTube: https://www.youtube.com/user/BellomoAssociates Facebook:https://www.facebook.com/bellomoassociates Instagram:https://www.instagram.com/bellomoassociates/ LinkedIn:https://www.linkedin.com/in/bellomoandassociates WAYS TO WORK WITH JEFFREY BELLOMO Contact Us:https://bellomoassociates.com/contact/ Practice areas:https://bellomoassociates.com/practice-areas/      

In this episode of CESaRE Voices, host Jelani Blake engages in a thought-provoking conversation with Doug Marcy, founder of the Caribbean Coral Restoration Center (CCRC), and Randy Cinski, CCRC's Operations Manager.

On Sunday, Suze Orman discussed the finally finalized rules for inherited IRA's. Listen here:   Today, I'm going to share a case study to share what one of our clients did with some of the IRA funds she inherited from her mom. Some of you know that "non-eligible" beneficiaries of IRA funds are required to withdraw all tne money in the IRA within 10 years and pay taxes on those withdrawals.  If you don't know, listen to Suze's podcast episode from Sunday, September 3, 2024 with the above link. Nicole used $17,000 a year of the $45,000 she is required to withdraw annually over 10 years to create a paid-up long term care plan that will pay more than the entire inheritance she received ($450,000 IRA and $450,000 non-IRA funds). Listen and learn how we accomplished this.  Nicole's mom left her a nice inheritance with an unforseen tax burden.  We repositioned that tax burden to create tax-free LTC benefits for her or a tax-free death benefit for her kids. Schedule with me to learn how you can reposition yout tax-burden at      

We're thrilled by the level of engagement we see in our clients and podcast listeners. Your questions are always welcome because understanding the concepts in estate planning and elder law helps you make the best decisions for you and your family. Lately, we've received a lot of inquiries about trusts so we will dedicate two episodes to a deep dive into asset protection trusts.  If you're a regular listener, you have the foundational knowledge to follow along with this in-depth discussion. However, if you're new to our podcast, we recommend starting with our earlier episodes that cover trusts and other topics at an introductory level. And, if you're in Pennsylvania, we'd love for you to join us at one of our free educational workshops. Check out our website or give us a call to learn more.   WHAT YOU NEED TO KNOW (00:00) Episode introduction. (03:20) What type of trust does Bellomo & Associates use for asset protection and tax purposes? Are revocable trusts used for asset protection? (09:40) Are pure grantor irrevocable trusts widely used? Should I use Google to learn more about them?  (10:19) How do trusts work with continuing care retirement communities (CCRC)? What if I don't plan on using a CCRC, but then I change my mind?  (13:19) How do trusts handle different types of real estate—a primary residence, vacation homes, and rental properties, etc.? What's the difference between ownership and control of properties? How are expenses paid for?  (18:00) When is it too late to set up a trust? What is the difference between pre-planning and crisis planning? What activates the five-year lookback period?  (23:37) Is an asset protection trust, as used by Bellomo & Associates, the same thing as a domestic asset protection trust?   ABOUT BELLOMO & ASSOCIATES Jeffrey R. Bellomo, the founder of Bellomo & Associates, is a licensed and certified elder law attorney with a master's degree in taxation and a certificate in estate planning. He explains complex legal and financial topics in easy-to-understand language. Bellomo & Associates is committed to providing education so that what happened to the Bellomo family doesn't happen to your family. We conduct free workshops on estate planning, crisis planning, Medicaid planning, special needs planning, probate administration, and trust administration. Visit our website (https://bellomoassociates.com/) to learn more.   LINKS AND RESOURCES MENTIONED Bellomo & Associates workshops:https://bellomoassociates.com/workshops/ Life Care Planning The Three Secrets of Estate Planning Nuts & Bolts of Medicaid For more information, call us at (717) 845-5390. Connect with Bellomo & Associates on Social Media Tune in Saturdays at 7:30 a.m. Eastern to WSBA radio: https://www.newstalkwsba.com/ X (formerlyTwitter):https://twitter.com/bellomoassoc YouTube: https://www.youtube.com/user/BellomoAssociates Facebook:https://www.facebook.com/bellomoassociates Instagram:https://www.instagram.com/bellomoassociates/ LinkedIn:https://www.linkedin.com/in/bellomoandassociates WAYS TO WORK WITH JEFFREY BELLOMO Contact Us:https://bellomoassociates.com/contact/ Practice areas:https://bellomoassociates.com/practice-areas/      

本集节目由2025年世界咖啡烘焙大赛中国区CCRC官方指定用机的HB爱趣焙咖啡烘焙机合作赞助出品！这次邀请的，是目前代表中国内地选手，在世界赛中拿到最高名次的三位咖啡烘焙师：刘太阳（冠军）、刁成磊（第四名）、陈胜豪（第六名）。大家齐聚在杭州HB咖啡烘焙体验中心，除了把玩机器烘了几锅豆子（已经送给Coffeeplus播客的群友们了），还说了些掏心窝子的话。这期显然不是那种顶着冠军光环的大人物访谈，反而更像是几位烘焙师的日常闲谈，诚实且真诚，并且都是大实话。他们是冠军，也是自有咖啡品牌的烘焙师、经营者。日常运营中，也会有各种各样的迷茫和困惑；面对不同的客群和业态，也有各自有所为有所不为的取舍；冠军的光环褪去后，还是会一头栽进买生豆、烧锅炉、卖熟豆的每一天中，不论品牌的规模如何，都会陷入怎样把豆子卖出去、卖给谁的烦恼中... ...嘉宾：刘太阳Pincle拼一口咖啡Apartment寓所咖啡2024世界咖啡烘焙大赛世界冠军2021年世界咖啡烘焙大赛中国区CCRC冠军刁成磊北京豆子咖啡实验室2024世界咖啡烘焙大赛第四名2024世界咖啡烘焙大赛世界赛冠军教练2020世界咖啡烘焙大赛中国区CCRC冠军陈胜豪河川水流MOVE RIVER COFFEE2019世界咖啡烘焙大赛中国区CCRC冠军2019世界咖啡烘焙大赛世界第六名本期内容： 01:44 太阳和Pincle拼一口、寓所03:05 成磊和北京豆子咖啡实验室04:23 陈胜豪和河川水流08:15 咖啡烘焙师入坑指北15:04 国内的烘焙水平整体不如国外？！23:59 烘焙比赛是一个什么比赛呢？25:52 好的烘焙师都是感官高手32:33 “深烘佬”更容易在烘焙比赛获胜吗？40:34 日常烘焙的出品标准47:50 生豆选品，是一场斗智斗勇58:29 有些豆子只能喝三天，有些却要养一个月？01:06:26 烘焙的不可能三角01:12:43 好咖啡依赖好的烘焙机、烘焙技巧还是烘焙师？01:20:33 夺冠之后，怎么样把豆子卖出去？Coffeeplus播客三周年啦！三周年限定 | 咱们就像这豆子，恰到好处地熟了https://mp.weixin.qq.com/s/NJLRRoZoTAZjgf4OaQ9BgA主播：Yujia / Yike封面设计：心悦摄影：Derrick片头音乐：Country Cue 1 - Audionautix片尾音乐：Some College - National Sweetheart微信公众号: @Coffeeplus播客小红书: @Coffeeplus播客 @Yujia是做咖啡播客的如果喜欢我们的节目内容,请记得订阅频道。您可以在小宇宙App、苹果Podcasts、网易云音乐、Spotify、豆瓣播客、通过喜马拉雅、QQ音乐、Google podcast等平台收听我们的节目。如果您喜欢我们的内容，请别忘了给我们留言、点赞，在苹果Podcast给我们五星好评，也请多多分享给喜欢咖啡的朋友们！也可以搜索添加微信Fishplus_wx, 记得备注“播客”哦，邀请您进入微信社群～

Community college students make up 40 percent of enrollment in U.S. higher education, and 80 percent of those students want to go on to earn a bachelor's degree. However, only around 16 percent of those students will be successful in transferring and completing a four-year degree within six years after transferring. Transfer students often lose credits when continuing to their bachelor's degree, slowing their progress toward graduation and increasing the costs associated with higher education. Transfer advocates recognize the need for state and institutional interventions (both at the two- and four-year level) to improve processes and promote degree attainment. In this episode, researchers from the Community College Research Center at Columbia University's Teachers College, Aurely Garcia Tulloch and Tatiana Velasco Rodriguez, discuss CCRC's current projects to improve transfer across the country. Later, hear from Pamela Johnston, dean of career and academic planning at Tallahassee State College, about how the institution has revised its advising process to make registration, transfer planning and working with an adviser more seamless for students. Hosted by Inside Higher Ed Student Success Reporter Ashley Mowreader. Read a transcript of the podcast here.

We've all been aging since the day we were born, but is there a right time to start thinking about senior living? For Steve Gurney, it was in his early 40s. During a yearlong project, Steve moved into five different senior living communities to get the full experience. Steve will share firsthand insight and advice about what to look for when searching for a senior living community. This is the perfect time to dip your toes in the water and get to know the team at Charter Senior Living. Steve is the Founder of the Positive Aging Community and develops innovative products to help seniors make the best choices in retirement living. He is a Senior Marketing Institute award winner and the Founder and Publisher of the Positive Aging SourceBook. For more information about Charter Senior Living Charter Senior Living currently manages over 60 senior living communities across the United States.  Mission: To Enhance the Human Spirit. At Charter Senior Living, our mission statement and core values unite us in our purpose – and our passion. We strive to be a caring and compassionate leader within the senior living industry, but more importantly, our goal is to demonstrate that commitment to our residents … Every. Single. Day. Visit any Charter Senior Living community on any given day … and, from the moment you step through our doors, we think you'll experience the difference … Questions Asked:  Steve, so could you or would you share and tell us what happened with your grandfather and their care? Did the family place them in a senior care location? I am concerned about the impact of private equity in the senior living space. I am interested in moving to CCRC. Specifically, my concern is were I to move into a CCRC today, what protections would I have that the CCRC would maintain its quality of service and commensurate quality of service in higher levels of care? "My husband is like 7 years older than me with co morbidity. So when it's the right time to move in assisted living  even though I'm still independent.. Maybe be I know the answer but I want to know your perspective?" How about Villages (Village to Village network)?  I belong to At Home in Alexandria. Pros/cons rental community with levels of care (such as Brightview)  vs nonprofit  CCRC (such as Goodwin House) vs for profit CCRC  (such as The Fairfax , both of which have entrance fees "Is there a future expectation for healthcare in those communities? Is assisted living an age eligibility requirement?" I have heard that these older adult communities can be cliquish like in high school. How can one avoid these cliques? Can you comment on "adult family homes," please? where to find a NOC--natural occurring community in the DC area? What are entry fees all about? Steve can you share Arvette's webinar on Senior Living Contracts? https://www.retirementlivingsourcebook.com/videos/understanding-senior-living-community-contracts "What an amazing story, wow? Ask, Ask , Ask. Thank you so much for sharing. So the person was only fifty years of age when they had the accident and became disabled, and the whole family moved into the care community and the organization decided and said they would work with the whole family to make this care plan work for the good of the whole family. Thanks." With aging baby boomers, many, new communities are being built today (visited some in Fairfax, VA). We're 68 and plan to move to a CRCC when we are about 75 (hopefully as independent living).  How do we evaluate the new communities?  Any other advise in what we should do? Your grandfather, Entomologist? Is this the scientist who studies insects and zoology and animals? if yes, this is so interesting. Your grandfather, a professor, teacher, researcher, what did they do and what happened to all of their stuff. The cicadas have always been so interesting. Thnaks Steve, this was excellent presentatation!!! Ruth

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Developmental education, also known as remedial education, refers to courses that some entering college students will have to take if they are deemed unprepared for college-level courses. However, studies have shown that developmental education can actually hinder students' progress in college. Additionally, students of color, adults, first-generation students, and those from low-income backgrounds are disproportionately placed in developmental education programs, so there's a lot of interest among policymakers, college practitioners, and researchers in reforming developmental education programs to address these challenges and support more equitable outcomes for students. As part of MDRC's 50th anniversary celebration, this episode of Evidence First features MDRC's longtime partner the Community College Research Center, or CCRC. In 2014, MDRC and CCRC launched the Center for the Analysis of Postsecondary Readiness, or CAPR, to research the effectiveness of developmental education reforms and to understand their implications for equity. In this episode, Leigh Parise talks with Nikki Edgecombe, a senior research scholar at CCRC who leads CAPR, and Michael Weiss, a senior fellow in postsecondary education at MDRC, about what has been learned about promoting equity in developmental education reform.

Alicia's insurance agent told her she was too short for her weight and no LTC insurance can be offered to her. Turns out that agent only represented one company.  Other companies will consider her build (height/weight).   Many people are either very small or very big.  There are alternative solutions to planning for future care needs that can help those outside of the weight limits of most companies.   Some companies don't ask about build or health at all, while some have more lenient health requirements than others. If you've been told you can't qualify for LTC insurance, it is wise to ask for a second opinion. Reach out to me to ask what else can be offered to help you protect your family, assets and choices https://calendly.com/diane-p4t/30min

Today, many seniors live longer—often farther away from family—and want to avoid continuing care retirement communities (CCRC). They'd rather age at home in familiar surroundings. But, aging at home usually requires some degree of assistance, which can be difficult to find. Jeff's guest, Melissa Ressler, is the executive director of Lancaster Downtowners, a special and creative membership-based group that enables seniors to age at home.   Learn more at www.lancasterdowntowners.org or follow on Facebook at https://www.facebook.com/lancasterdowntowners/. You can reach Melissa directly at (717) 584-1224.  WHAT YOU NEED TO KNOW (00:00) Podcast introduction.  (02:04) Dependent largely on volunteers, Lancaster Downtowners is a village model nonprofit—one of over 300 across the country—that makes it possible for people to age at home in their community.   (02:58) Many members live in an apartment or condo, but others live a little farther out and some even have a bit of land.  (03:43) Instead of providing the range of services you'd get in CCRC, a village provides social connections and support with everyday tasks.   (03:56) Lancaster Downtowners offers three types of help. Social connections: events, support groups, walking groups, etc. “Just One Call” program: transportation, technology assistance, etc. Home and life maintenance: yardwork, snow shoveling, medical notetaking, etc.   (07:18) There are about eight villages in Pennsylvania. The newest one serves York County. (07:51) Membership fees are tiered based on income. Dues range from $0 to $15 per month.   (08:17) Call or fill out an application on the website to see if membership makes sense for you. For some needs, the team will connect you with other service providers (e.g., Meals on Wheels) to help you thrive at home.   (10:58) The service provider directory includes only those recommended by other members.   (12:04) Some members have given up their vehicles. Weekly grocery shopping trips, medical appointments, and all kinds of errands are manageable with volunteer drivers.   (18:42) The Lancaster Downtowners serves all of Lancaster County with a concentration in metro Lancaster.    ABOUT BELLOMO & ASSOCIATES Jeffrey R. Bellomo, the founder of Bellomo & Associates, is a licensed and certified elder law attorney with a master's degree in taxation and a certificate in estate planning. He explains complex legal and financial topics in easy-to-understand language. Bellomo & Associates is committed to providing education so that what happened to the Bellomo family doesn't happen to your family. We conduct free workshops on estate planning, crisis planning, Medicaid planning, special needs planning, probate administration, and trust administration. Visit our website (https://bellomoassociates.com/) to learn more.   LINKS AND RESOURCES MENTIONED Bellomo & Associates workshops:https://bellomoassociates.com/workshops/ Life Care Planning The Three Secrets of Estate Planning Nuts & Bolts of Medicaid For more information, call us at (717) 845-5390. Connect with Bellomo & Associates on Social Media Tune in Saturdays at 7:30 a.m. Eastern to WSBA radio: https://www.newstalkwsba.com/ X (formerlyTwitter):https://twitter.com/bellomoassoc YouTube: https://www.youtube.com/user/BellomoAssociates Facebook:https://www.facebook.com/bellomoassociates Instagram:https://www.instagram.com/bellomoassociates/ LinkedIn:https://www.linkedin.com/in/bellomoandassociates WAYS TO WORK WITH JEFFREY BELLOMO Contact Us:https://bellomoassociates.com/contact/ Practice areas:https://bellomoassociates.com/practice-areas/    

The Post Office Horizon IT Scandal represents the biggest single series of wrongful convictions in British legal history. Brought to life in the hit ITV series "Mr Bates vs. The Post Office", the story hit the headlines in early 2024 and at the time of publication is the subject of a major public inquiry.Faulty equipment and computer software made it look as though money was missing from post office branch accounts and the sub-postmasters' contracts held them personally liable. More than 900 were prosecuted, many went to prison and many others were financially ruined.In this very special episode, I am privileged to be joined by one of the subpostmasters affected, Jess Kaur, whose story was told in the ITV drama. We are also joined by TV actress Krupa Pattani who played Jess on screen as 'Sam Kaur'.If you've watched the series, you'll not be able to forget the scene when Sam's husband walks in to find her bleeding with a knife in her hand. We'll talk about that, how Jess talked to her children about what she went through and how Krupa prepared for such an important scene.It's been a harrowing road for Jess and she has been very brave to come on and tell her story. I am deeply grateful.The TV series has prompted a renewed sense of urgency for action, but most victims of the scandal remain without an apology and without compensation for what they have experienced. I hope that interviews like this will help to raise awareness of the personal toll that the scandal took on those affected, and will support those in power to ensure that justice is done.--Mr Bates vs. The Post Office: https://www.itv.com/watch/mr-bates-vs-the-post-office/10a0469/10a0469a0001Mr Bates vs. The Post Office on Wikipedia: https://en.wikipedia.org/wiki/Mr_Bates_vs_The_Post_OfficeJess Kaur on Good Morning Britain: https://www.youtube.com/watch?v=0mBvCZOD4LM --The Unlock Moment podcast is brought to you by Dr Gary Crotaz, PhD. Downloaded in over 110 countries. Find out more at https://garycrotaz.com and https://theunlockmoment.com

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Lynne Moore about the concept of aging in place, comparing it to continuous care retirement communities (CCRCs). Lynn has an extensive background in geriatrics and now works with ThriveMore, an organization specializing in helping people age in place. Listen in to learn how ThriveMore's program supports seniors in staying at home as they age while receiving necessary care. You will also learn the differences between aging in place and living in a CCRC, as well as the benefits of joining the ThriveMore program earlier. In this episode, find out: Lynne's career background in geriatrics nursing and leadership and how she ended up at ThriveMore at home. The similarities and differences between continuing care at home and living in a CCRC. How ThriveMore's program focuses on bringing care services into individuals' homes. The ThriveMore program details about membership fees, eligibility criteria, and benefits. The benefits of joining the program early and the inflation protection of coverage. Why the age-in-place program is best suited for introverts, plus how ThriveMore handles couples. ThriveMore's vetting process for care providers and their emphasis on quality care. Information on how you learn more about ThriveMore and explore the program. Tweetable Quotes: “We're arranging, coordinating, navigating, and overseeing care to ensure quality care is provided as the person needs more. And it may be short term, it may be long term, but we're bringing that care in, and in addition to that, the long-term care insurance component is underwriting the cost of that care.”- Lynne Moore “Getting in our program earlier saves you money and helps you be ready in case something unanticipated happens with your health.”- Lynne Moore Get in Touch with Lynn: Website: https://www.thrivemoreathome.org/ LinkedIn: https://www.linkedin.com/in/lynne-moore-rn-lnha-cmc-caps-3a899237/ Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this 100th episode, we recap on some of the teams favourite podcasts. There is also an audio from Jeremy on reaching the milestone. Listen out for our call to the CCRC demo on the 10th May 2022! JOIN US!

In this episode, Wade Pfau and Alex Murguia are joined by Rob Cordeau to discuss Continuing Care Retirement Communities (CCRCs). They provide an overview of what CCRCs are and how they relate to long-term care planning. They also explore how CCRCs can be an alternative to long-term care insurance and the different financing models for CCRCs. The conversation covers topics such as the large upfront costs of CCRCs, the benefits of living in a CCRC, and the options for refundable entrance fees. Rob Cordeau provides insights into continuing care retirement communities (CCRCs). He clarifies that purchasing a CCRC is not a real estate purchase but rather a contract to live in the community throughout one's life. The entrance fee varies based on the size and features of the apartment, and there are different types of contracts, including non-refundable and refundable options. Rob also discusses the financial aspects of CCRCs, such as the relationship between entrance fees and ongoing cash flow, the potential tax deductibility of entrance fees, and the importance of financial due diligence when choosing a CCRC. Takeaways CCRCs are retirement communities that offer various levels of care on one campus, including independent living, assisted living, and skilled nursing care. CCRCs can be an alternative to long-term care insurance, especially for those who want to downsize and plan for their long-term care needs. There are different financing models for CCRCs, including large upfront costs with lower ongoing monthly costs or lower upfront costs with higher ongoing monthly costs. Some CCRCs offer refundable entrance fees, where a portion of the fee is returned to the resident or their heirs upon moving out or passing away. CCRCs are not real estate purchases but contracts to live in a community throughout one's life. The entrance fee varies based on the size and features of the apartment. CCRCs offer different types of contracts, including non-refundable and refundable options. Financial planning is crucial when considering a CCRC, including modeling the affordability of entrance fees and monthly service fees. Some entrance fees may be tax deductible, depending on the contract. Due diligence is essential to assess the financial stability and reputation of a CCRC. CCRCs may not be suitable for individuals who prefer independent living in their own homes. Buyer's remorse is rare among individuals who have thoroughly considered and chosen a CCRC. Chapters 1. Introduction and Overview of CCRCs 2. Exploring Different Financing Models for CCRCs 3. Understanding Refundable Entrance Fees in CCRCs 4. Understanding the Dynamics of CCRCs 5. Financial Underwriting and Considerations for CCRCs 6. Different Types of Contracts Offered by CCRCs 7. Financial Planning for CCRCs 8. CCRCs vs. Independent Living: Choosing the Right Option   Links The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/  This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, “Is a Roth Conversion Right For You?”  

In this episode, Wade and Alex continue their discussion on long-term care, focusing on nursing homes and continuing care retirement communities (CCRCs). They also touch on hospice care and the importance of having a power of attorney in place. They highlight the need to carefully review contracts and consider the financial strength of CCRCs. Listen now to learn more!   Takeaways Nursing homes provide 24-hour care for individuals who need significant help with daily activities and medical issues. Hospice care focuses on providing comfort and pain relief for individuals with terminal conditions. CCRCs offer multiple levels of care within one community, allowing individuals to transition as their needs change. It is important to review CCRC contracts with an elder law attorney and consider the financial stability of the facility. Upcoming topics will include funding options for long-term care and interviews with experts in the field. Chapters   00:00 Introduction and Correction 00:31 Continuing Care Retirement Communities (CCRCs) 10:02 Hospice Care 25:52 Considerations for CCRCs 30:38 Upcoming Topics and Conclusion   Links  The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/      This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Long term care planning is about more than the insurance or funding for care.  This week, Diane shares important questions we and our families need to be asking today. Regardless of where you will live, who do you want helping you?  Do they know this?  Are they able to do what you need? What do you want to have happen when extended care is needed?  Where do you want to live?  It's much easier to have these discussions today, while you're not in the middle of a crisis. Have the conversations now so your family and loved ones will have a blueprint of what you have and what you want.  They'll then be able to make better decisions for you and with you regarding your care. Funding your plan is still very important, so schedule time with me to research ways to do so at   Much of the information I'm sharing is from LTC Planning Guides designed to help create these family conversations.  I'll gladly send you a guide when you email me a request at

After much wrangling, RiverSpring Health is bringing New York City its first, and possibly last, continuing care retirement community. The man set to lead it, RiverSpring President and CEO Daniel Reingold, sees a great future for the baby boomer-focused addition to the vast array of other RiverSpring offerings. Meanwhile, he wants nothing but subtraction and destruction for the way the typical nursing home does business. “Blow it up,” he says in this McKnight's Newsmaker podcast moderated by McKnight's Executive Editor James M. Berklan.Social:https://twitter.com/RiverSpringNYChttps://www.linkedin.com/company/riverspringnyc/https://www.linkedin.com/in/laurawilker/@mcknightsltcn

This week's guest is Meredith Becker, chief operating office of Lions Gate CCRC, a retirement community in Voorhees, New Jersey, who discusses the process of planning for care for seniors. [Read more...] The post Seekers of Meaning 2/16/2024: Meredith Becker, Chief Operating Officer, Lions Gate CCRC, on Planning Senior Care appeared first on Jewish Sacred Aging.

Clinical Trials - Why You Should be a Guinea Pig! – Featuring Todd May, MS, CCRCTAKING CONTROL OF YOUR DIABETES® - THE PODCAST! ...With Expert Endocrinologists Living with T1D, Drs. Steven V. Edelman & Jeremy PettusWelcome to our newest podcast exploring clinical diabetes research! Join Drs. E & P along with Todd May (MS, CCRC, Senior Research Associate, Program Manager, Clinical Diabetes Research Group - Division of Endocrinology, UC San Diego) as they provide their insights from firsthand experience doing these studies, covering both type 1 and type 2 diabetes. Discover the symbiotic relationship between researchers and participants, and learn how you can get involved in clinical research studies to make a difference in diabetes care. In this episode, we talk about: What is clinical research?  How are clinical research studies performed?  What are the benefits (and potential downsides) of being involved in clinical research?  How do we recruit patients for research?What people should ask and look out for when considering being involved in clinical research studies?  How is clinical research funded?  How can you find research studies that you might want to be involved in?    UCSD Research: https://medschool.ucsd.edu/som/medicine/divisions/endocrinology/research/labs/clinical-diabetes-research/Pages/default.aspx  Learn about clinical studies from around the world: https://clinicaltrials.gov/  ★ Support this podcast ★

Courtney Nalty is the founder of Generational Support, LLC, a caregiver consultancy and resource guide founded in 2020. In October of 2005, her journey began with taking a position in a Continuing Care Retirement Community (CCRC). Over the 11 years of her service, she wore many hats. In 2017, she left the CCRC to work for a consulting firm specializing in designing, developing, marketing, and concept ideation for the Active Adult real estate market. A self-published author, she currently sells her two digital books (The Caregiver Toolbox and The Hospital Discharge Handbook) on her website, www.generationalsupport.com. When not busy with work, she enjoys spending time with her husband, Will, and their three children in and around her hometown of New Orleans, LA. Courtney is a WCNFluencer! Learn more about Courtney and her work at Generational Support by visiting her website: https://generationalsupport.com/

In this episode, we dive into the vital topic of downsizing for senior citizens. Aging brings about challenges that may require a shift in living arrangements for safety and comfort. Whether opting for in-home assistance, considering facilities like CCRC, Senior CO housing, 55+ communities, or nursing homes, the choices are plentiful. The key lies in making decisions that align with your family's needs while ensuring everyone's safety. Tune in for expert insights on downsizing for seniors and the crucial role of consulting with professionals when it comes to selling the family home. Empower your golden years with informed decisions --- Send in a voice message: https://podcasters.spotify.com/pod/show/lorialvarez/message

Jason Moore was convicted of killing Robert Darby in East London back in 2005. He's spent nearly a decade in prison for murder. Yet, the family of the victim, believe Moore is actually innocent. And former detectives in the Met agree. So, should he be locked up? What really happened? And what does this say about our justice system? ITV News Reporter Sam Holder tells Julie Etchingham What You Need to Know…A statement from the Metropolitan Police in response to the investigation: “In 2021 we reviewed information provided to the enquiry team in relation to the murder of Robert Darby in 2005 and will assess any new information that becomes apparent. We met with representatives of Robert's family to inform them of our position. Two men were tried for his murder in 2013, with one being found guilty by a jury and the other acquitted. This investigation remains closed, but should the circumstances change, we will assess them and consider the most appropriate way to manage any developments in this investigation. The family of Jason Moore was also referred to the independent Criminal Cases Review Commission (CCRC), which investigates possible miscarriages of justice and sends some cases back to the Court of Appeal.”A CCRC spokesperson also said in response to the investigation: “An application has been received related to this case. It would be inappropriate for us to discuss the application or make any comment at this stage.”

“There's an increasing need for organizations to focus on developing people-centred programs that focus on the values and culture of the organization.”- Lisseth ZouhbiWhat does people-centred describe to you? How do you actually make your HR and Talent programs even more people-centred?  Today's guest shares her philosophy on this, as well as some practical examples of how she is putting it into action.My guest is Lisseth Zouhbi. As the Chief Human Resources Officer at Child Care Resource Center, Lisseth Zouhbi brings a wealth of knowledge and expertise to her role with over 20 years of experience in Human Resources. Lisseth has demonstrated a proven track record of success in developing and implementing HR strategies that align with the company's objectives and goals. Joining CCRC in 2022, Lisseth manages talent acquisition, Total Rewards including payroll, organizational and performance management, recognition programs, compliance, training and organizational development, workplace policy, DEI and employee relations for over 1,000 employees. Her passion for HR began early in her career, where she gained hands-on experience in all aspects of HR, predominantly in the hospitality industry. Prior to joining CCRC, Lisseth was the Global Vice President of Human Resources at Oakwood Hospitality and oversaw the global HR operations for properties in Asia, Europe and the U.S. Her global HR experience started with Rosewood Hotel Group where she held the position of Sr. Corporate Director of HR for Americas and Europe.  Lisseth holds a Bachelor of Arts degree in International Business Management from California State University, Fullerton. She also holds several human resources certificates including her most recent completion of the CHRO certification through the Wharton University. Lisseth is an active member in local HR associations and is currently a member of the DEI Council for the National Human Resources Association Los Angeles. In this episode of Talent Management Truths, you'll discover:A sense of what is both similar and different for HR between profit and non-profit organizationsA window into an HR departments transformation into the People and Culture departmentSome examples of both horizontal and vertical professional development and how experiences outside a person's core role usually results in empowerment LinksLisseth Zouhbi on Linkedin: LinkedIn: https://www.linkedin.com/in/lisseth-zStay Connected JOIN our free, value-added Community of Peers and Learning! Lisa hosts regular FREE Talent Talks for HR and Talent Management Leaders to expand your network, spark ideas and learn with your peers. We leverage large group discussion and small group breakouts: https://www.greenappleconsulting.ca/TalentTalks Share the Show Like what you've heard? Pretty please with an apple on top - kindly leave me a 5* review so that others can find the show and elevate their impact too! Here are the simple instructions: Launch Apple's Podcast app on your iPhone or iPad. Tap the Search icon (on the botton) and search for “Talent Management Truths.” Tap the album art. On the podcast page, tap the Reviews tab. Tap Write a Review at the bottom of this page. Follow me LinkedIn: https://www.linkedin.com/in/lisa-mitchell-acc-ctdp-7437636/ Instagram: @greenappleconsulting Facebook: https://www.facebook.com/greenappleconsulting.ca

In this Episode of the Secure Your Retirement Podcast, Radon and Murs highlight some different episodes throughout 2023. These episodes' topics are significant resources for retirement planning and would greatly help if you went back and listened.Listen in to learn the different episodes with information about what you need in retirement, including a power of attorney, estate planning, retirement income strategies, and more. You will also learn about the episodes on long-term care planning options, plus the basics of continuing care retirement community (CCRC).In this episode, find out:Episode 193 – the elements we discuss to help you navigate the decision to retire now or work longer.Episode 197 – understanding the power of attorney and why you need it in retirement.Episode 201 – an interview with our partner on things to think about when it comes to a trust.Episode 204 – an interview with a consultant about social security spousal benefits in retirement.Episode 208 – maximizing tax benefits by bunching charitable contributions strategy.Episode 217 – how to create an income in retirement by restructuring assets and buckets strategies.Episode 219 – things to consider when choosing to do CDs or annuities.Episode 224 – understanding long-term care planning options in retirement.Episode 223 – protecting against cybersecurity threats and why the episode is super important.Episode 226 – we walk you through our integrated wealth experience in retirement strategies.Episode 231 – an interview with our in-house taxation expert on how social security taxation works.Episode 234 – an interview with an IRA expert to help you understand the Roth IRA: 5-year rule.Episodes 236 & 238 – an interview about continuing care retirement community (CCRC) basics.Episode 235 – the art of a Risk-adjusted Portfolio in Retirement with four major elements.Episode 239 – an interview with our partner around simplified estate planning in retirement.Tweetable Quotes:“If you're concerned about long-term care and don't know what to do and which direction to go in, episode 224 could be a good starting point for you.”- Murs Tariq“If you're taking social security and just want to understand how it works or you're trying to plan for when you take social security, episode 231 is a great episode to go back and listen through.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Rae Dawson discuss the basics of CCRC around cost, the waitlist, deciding a CCRC and the right age to move to a CCRC. Rae is a CCRC expert and spent her original career primarily managing people and projects in high-tech in Silicon Valley for many years before gaining an interest in CCRC.She explains why CCRC cost is determined by the type of contract and the location of the community and things to consider when considering the cost of a CCRC.Listen in to learn the importance of being flexible in your requirements to avoid a long waitlist that can go up to 4-15 years. You will also learn about the typical age of a CCRC entry and the advantages of joining a CCRC earlier.In this episode, find out:Things to consider when thinking about the cost of a CCRC as per the contract in the Triangle area.The meaning of buy-in and monthly fees for a traditional CCRC for single or double occupancy.CCRC's rule of thumb - know whether you qualify for a CCRC and should pursue that dream.Why you should consider placing your name on a waitlist at multiple communities to have options.The advantages of joining a CCRC earlier on when you're healthy and not very old.Things to think about when you decide to live in a CCRC to choose the suitable community for yourself.Tweetable Quotes:“You should have in assets three times the CCRC entrance fees, and your monthly income should be two times the monthly fee.”- Rae Dawson“You might be able to enter a community more quickly if you're flexible in your requirements.”­- Rae Dawson“People that live in CCRCs tend to live longer than the average American, and so it's not unusual to find people in their late 90s to 100s living in the community.”- Rae DawsonGet in Touch with Rae:Email: rae01dawson@gmail.com Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Timestamps(00:00:02) Introduction (00:01:01) Healthcare Risk Management Experience (00:02:18) Fair Housing Act Explanation (00:08:15) Prohibition of Disability Discrimination (00:15:57) Understanding Essential Requirements (00:23:15) Rules Around Common Accommodations (00:29:42) Risks & Fair Housing Marketing (00:34:55) Legalities for Assisted Living Services (00:40:17) FSA & Housing Education (00:43:22) Rules Disregard in Senior Living (00:47:41) Risk Tolerance Discussion (00:49:06) Risk Management in Senior Living  So as you mentioned, I did medical malpractice defense for a number of years in New York,and then I moved to Pennsylvania because I was getting married and my husband was fromout of state.And when I moved, I decided to switch hats, and I decided to do healthcare risk management.So I was tasked with starting up a risk management program for FSA.At the time, we started with 12 organizations, nonprofit, faith-based communities, generallyin the Philadelphia area.Since then, we've expanded quite a bit, and we now have 37 sites in six states.And so I give guidance and consultation on risk management issues.So today, we are going to talk about marketing risks, but I'm going to talk about it frommy perspective, you know, from a risk management perspective and a fair housing perspective.Okay.So thanks for that background.So let's get right into it.What is the worst-case scenario if someone says, you know, I'm going to market howeverI want to market?I'm going to say what I want to say, do what I want to do.What have you seen as like a worst-case scenario of someone has done this and this horribleoutcome has happened?Great question.Nothing like the fear factor right from the beginning.So what I'm going to preface that question with is an explanation of why there are risksin this venue, in this area.And so in 1968, Congress enacted the Fair Housing Act, which was what I like to callthe third leg of the stool for civil rights litigation, legislation rather.And so we had the Civil Rights Act, then the Voting Rights Act. And then in 1968, they passed the Fair Housing Act.And that precluded discrimination in housing choices and lending based upon what we callthe protected class status.So started out with race, religion, national origin, color, gender, which now includesgender identity and sexual orientation, and national origin.In 1988, Congress amended the act to include two additional protected class categories.Familial status, meaning that you are not supposed to be able to discriminate againstfamilies with children.And of course, there is a carve-out for our senior living settings.And the one for purposes of our discussion today, which will be very pivotal, is it sayshandicapped, but it's what we would refer to as disability.So you have now protections under the Fair Housing Act, and we just call it FHA for boththe Amendments Act and the original act for all those protected classes, which actessentially as a floor, not a ceiling.So state and local jurisdictions can also add an additional protected class categories,like, for example, maybe marital status, saying that, you know, you can't discriminateagainst somebody because they're unmarried or, you know, because they cohabitatetogether, for example, or source of income is another one that's fairly common.So I think for a lot of senior living communities, they don't necessarily recognizethat they are covered by this act as a housing provider, because I think for a lot ofcommunities, they say justifiably, well, we're not a housing provider because we do somuch more than that. And you do.However, in the eyes of the government, you are a housing provider and you are subject tothe Fair Housing Act.And so there are lots of risks that come along with that.Now, if you choose as an organization just to decide that you're going to market any wayyou want to and you're not going to pay attention to various marketing risks, includingfair housing risks, what's the worst case scenario?The worst case scenario is that you end up being in litigation, sued by potentially afederal government. So it's now the United States of America versus, you know, seniorliving community, A.B.State. You are in litigation with the government.You are being sued for housing discrimination.Almost always that ends very badly for the community.Almost always winds up in a monetary settlement.Many times there is also a settlement compensation fund where the community has toadvertise in multiple places for people that have been subject to what they've just beenfound by the government to be illegally doing.Let's just say discriminating against those with scooters, for example.And so they would have to advertise for anyone that's been impacted by that to give themmoney. In addition, there's almost always what we call a consent decree that comes withthat. It's sort of, if you're familiar with the world of compliance, it's similar toa CIA or a corporate integrity agreement whereby the government puts you into thisconsent decree.And the consent decree not only sets out the exact amount of money that you're going tohave to pay and how you would advertise to those who have been subject to yourdiscriminatory practices to give them money.But there's also usually quite onerous burdens that are placed on the community,including things like they get to and the government will review your actions for aperiod of time. Usually it's about five years.And so they will oversee and have to approve the policies, put policies in place forwhatever the particular topic is, change contracts, sometimes hire a fair housingofficer to perform acts to training and education for the staff on an ongoing basis.And again, being overseen by the government for a period of time.In addition, I would also say that you don't want to be the poster child for that.So again, I happen to mention scooters.And one of the pivotal cases in the world of, you know, communities that have been suedfor improper restrictions on scooters is a community called Twining Village.And I don't like to use them, you know, but that that case is out there and everybodyknows about it. So you don't want to end up having the reputational damage in our worldof, you know, senior living where it's like, oh, that's the Twining Village case.And so, you know, everybody knows based on that case, you know, some of the policiesthat you have to have in place and the no-nos, the things that you shouldn't be doing.You don't want to become the poster child for that, which can very easily happen.Well, so a couple of questions.Thank you for that. I mean, that's quite an overview.So it were someone to actually go ahead and let me just back up.So you're saying that there's the fair housing law, which puts nursing homes together inthat category. So therefore, they have these discrimination laws like you've outlined.So is this, first of all, is this specific to marketing?Are we talking about someone denies a patient because we don't take we don't want patientswith scooters because patients with scooters are dumb or whatever.Yeah. So I'm speaking broadly about senior living communities.Right. So it's anywhere that a person lives.Okay. So if you are running a short term rehab only, then potentially you are excluded fromthe Fair Housing Act because that's not someone's home.The intention is to treat them for a brief period of time with the intention to dischargethem. However, it does apply clearly.All the case law is very clear on this.It does apply to settings like CCRC, independent living, assisted living, personal care,long term care. So all of those things, you know, adult foster care, it does apply to allthose settings. It is questionable whether it would apply in the context of a short termrehab strictly.Okay. So let's back up.If I don't have if I have a regular store and I sell chocolate and desserts and flowers andwhat else? I can discriminate all I want?No. There are other laws.There are other laws that prohibit you from from doing that, that we're not necessarilyspeaking about today. But again, when it comes to housing, we are under the auspices ofmultifamily housing specifically, which means four or more people in a unit or, you know,four or more units, I should say, not four more people.Then you are subject to the Fair Housing Act.So. Okay.So the Civil Rights Act says that you can't discriminate.Right. Suggested.I understand that. So my point is that you have extra laws when it comes to if you'remanaging or you own a home that has multiple families, say for like you said, four unitsor more. So then you have you have extra focus.So now let's assume someone has an assisted living facility, a long term care facility,really can be an apartment building, too.But we're saying even senior living facilities and they're going to and then theydiscriminate against someone.So does that mean that they refuse admission to someone?Okay. So that's a great question.So discrimination can take multiple forms.It can be just as you said, refusal of admission or refusal to someone, an applicant tobe denied admission.That can be a form of discrimination.It can also be a form of discrimination, which is very common.Probably the most common form of discrimination is the refusal to grant what we call areasonable accommodation for disability.And that's where the scooters would come in, for example.So if I was disabled and I had a mobility impairment and I required a scooter to enableme to get around and to meet what we call the essential requirements of tenancy.And you, as the provider, refuse to allow me to have that scooter or, for example, thatservice animal, like you have a no pet policy and I wanted to come in with a serviceanimal. Well, that's not a pet, that's a service animal.That's for my disability. That's a reasonable accommodation.So you can refuse and then you could again potentially be sued for that.But in addition to also refusing to admit somebody, which is a form of discrimination,there are a multitude of other forms of discrimination under the act.And it can be I come in and I'm able bodied when I come in.And after I'm a resident at your community for some period of time, I now becomedisabled. And again, I've asked for reasonable accommodation, whatever that may be.And you now refuse to give me that reasonable accommodation or you are discriminatingagainst me and saying, because let's say I had a let's say I had a fall.I lived in independent living and I had a fall.And you say, well, now you're not independent anymore.And so you need to move to assisted living because you had a fall.You can't from a legal standpoint, from a fair housing standpoint, they'd have to be waymore to it than just forcing me to move up through the continuum for something like whatI just described. And then additionally, I would also say that, you know, there areagain, just treating that it's essentially under the Fair Housing Act, we don't want totreat anyone worse, which is the more common thing to do.We also can't treat anyone better because of their protected class status.So if so, again, we serve primarily faith based communities.So if I had a community that was, for example, a Quaker community and they said, becausewe are a Quaker community, we want to give preferential treatment in admission to Quakers.You don't have to meet the same kinds of financial requirements as we require from everybodyelse. You can't do that either.Right. So, again, it's admission, but it's also discriminating against somebody oncethey're there.OK, so there's also what's the line?And I guess this is where the gray area comes in between providing reasonableaccommodations in this type of living setting versus we have a noscooter policy, let's say, because of a certain maybe safety concern that we have due toour building. Or maybe we don't allow service animals, even though it's not a pet, becausewe have residents with advanced dementia and they view service animals as monsters.They're going to eat them up or any other sort of reason, assuming that it's trueor even if it's not true.I mean, you get a good attorney to make something up, but the reasonable accommodationsversus actual practical reasons why that it's not discrimination, but there's anactual ramification of being, you know, let's see your example.Someone was in an independent living and suffered from a fall and now can no longerambulate safely in that setting.And they want to say, OK, now you have to move on.You know, CCRCs, you have to move on to the assisted living.Like, I don't want to go to the assisted living.Well, over here, you can't take a shower.You can't, you know, prepare your food.You physically can't do any more.We're not discriminating because we don't like people who fall, people who are old orpeople who are weak.We're just saying that we feel that this is not appropriate.So is that where, and obviously the other side is that, no, I'm fine.It's just because I fell.Don't tell me I need to move on.Let me get some therapy.Let me go to the doctor.Let me let this thing heal and I want to stay where I am.So is that where, is that why people like you have jobs?Right.So, yeah, perhaps that's why people like me have jobs.But what I would say to you is, you know, there are parameters around certain things.So let's talk a little bit about that.So, again, when we talk about disability, we, there is a requirement under the law thatsays that in order to live someplace, whether that's just in the community at large, youknow, an apartment building or in a senior living setting, the tenant or the residenthas to meet what we call the essential requirements of tenancy, no matter what.Disability, no disability, you still have to meet the essential requirements of tenancy.So what are those?First and foremost is paying your rent and fees on time.Number two is keeping your unit in a safe, clean and sanitary condition.Now, you know, I think that reasonable people may differ as to what's safe, clean andsanitary. Right.Also obeying the reasonable community rules.Okay. Unless, of course, there has to be an exception made because of the reasonableaccommodation because of somebody's disability.But again, generally speaking, you should have a set of reasonable community rules becausepeople have to obey those rules.You also cannot have excessive damage to the unit.Okay. Normal wear and tear is okay.If I scrape the walls because of my scooter, that's okay.But if I decide to, you know, take a hammer and make holes in the walls, that's not normalwear and tear. Also not unduly disturbing the peace and tranquility of others.Okay. And the last one, which is very important, is not being a direct threat to thehealth and safety of others.Now, in my opinion, and this is not in the law, this is not in the essential requirementsof tenancy. When you are in a senior living community, I feel that it is reasonable tosay you cannot be a direct threat, a direct threat.That's very important language.Not speculative, a real direct threat to your own health and safety.Okay. So, but that's not been tested in the courts yet.That's Christina's theory.But I think it's a good one.And so.Hold on, let me talk about that for a second.If someone's, and they're a threat to themselves, and certainly if they're a threat tothemselves, even if they're not, if they're trying to physically harm themselves, they'retrying to slit their wrists, they're trying to jump out a window, they're trying to, Idon't know, whatever, anything else that's unsafe.And the facility has done everything that they can to prevent, stop, intervene, assist.So there's a question, there are those who say that, no, you cannot, let's say, Section12, you cannot send them out to the hospital because that would be discrimination.Is that even a possibility?Well, no, under the scenario that you just described, you're not evicting them.You're not getting them out permanently.You're just sending them out.So I would say, no, that's reasonable.But there have been situations, I like the examples that you use because they are extremeexamples. And I would argue, if I was a provider, that there is no reasonable accommodationthat will diminish that threat.But that's always going to be a question because tying in with meeting the essentialrequirements of tenancy, which everyone has to do no matter what, that's where thereasonable accommodations come in.So if I have a disability and I ask for a reasonable accommodation or you become awarethat I need a reasonable accommodation, then it should be granted because the reasonableaccommodation is generally what's going to help me meet those essential requirements oftenancy. Now, going back just to the example that you used.Someone who's suicidal or homicidal, even.The, you know, I could say I can't handle, I don't have, I'm not equipped to handlepsychiatric issues and I certainly can't, you know, protect my other residents from thishomicidal individual or I can't protect them from themselves because there's so manyways that they could attempt suicide.And so they are not meeting the essential requirements of tenancy because they are adirect threat. There have been occasions and there have been some cases.Where in circumstances like that, the courts have said, well, and it's not specific tosenior living, it's just general housing.Well, you should try a reasonable accommodation first.So, for example, if you send that person out, you know, to be involuntarily, you know,incapacitated in a psych facility for a period of time.And let's say that they have been given medication that would, you know, presumablycontrol their behaviors.Then the resident or the tenant in this case would be able to say, well, my reasonableaccommodation and I should be allowed to stay because I can remain on this medicationregimen and then my behaviors are controlled.But I know of a case from a number of years ago, multifamily housing out in Connecticut,and an individual had psychiatric issues and actually went after the landlord with a bigbutcher knife and threw him down to the ground and started to stab him.That gentleman was arrested and then the landlord sent notice, you know, you're herebyevicted. You know, after he got out of jail, after he spent some time in jail and cameback, he realized that he couldn't come back to the apartment because he had beenevicted and he sued and he said, you're discriminating against me.And the court in that case actually said, well, you have to try.Let him have his reasonable accommodation.And, you know, but I think that's not, in my view, that wouldn't be a reasonableaccommodation. It's not reasonable to allow someone who has, you know, extremebehaviors like that, you know, again, that's a direct threat that we can't keep otherpeople safe or that even that resident, we can't keep them safe.So that's the extreme example.But, you know, most cases are not as extreme and most cases you're going to have to trythe reasonable accommodation and sometimes multiple reasonable accommodations beforeyou would say you're violating the terms of the resident contract or the lease or theagreement, whatever it is that we have.And now you're going to have to leave or move up to a higher level of care.You're going to have to try a few different reasonable accommodations to be safe beforeyou can generally do that or you'll risk potentially a fair housing claim.Well, that's very messed up, just to realize that for everybody, because to see thatsomeone who physically attempted to murder their landlord was jailed for it and nowevicted, reasonable accommodation, that sounds crazy.But I agree with you on that.I wholeheartedly agree.I think that's fair.But I just felt like I, you know, I had to, you know, kind of raise that to say it's notnecessarily a slam dunk.But generally speaking, yeah, when somebody is a direct threat and it's not speculative,it's not fear that something might happen, it's something did happen.Right. So I want to be clear about something.When it comes to reasonable accommodations, as a provider, you can and should haverules. You don't have to make it willy-nilly, but you are allowed to have reasonable rulessurrounding common accommodations, reasonable accommodations.So, for example, let's use the scooters again.It would be probably very high risk if you just said we don't allow scooters.But it's OK if you said we allow scooters, but we have these rules.A rule, I always encourage my communities to have reasonable rules.A rule might be that you have to sit with therapy and review the rules of the communityto use a scooter first.You know, get educated on it and then sign off that you're agreeing, you understand allyour questions have been answered and you agree to abide by the rules.And those rules might be things like you can only drive your scooter as fast as anon-disabled person can walk.You don't have the right to drive your scooter around like Speed Racer.Right. It may say you have to have a horn and lights if you're going to drive outside.You have to obey the rules of the road on campus.You have to have a flag.You can't park and block fire exits.You can't block mailboxes.If you're going to drive into the dining room, you have to have room.And I want to touch on something that you mentioned a few moments ago, saying mycommunity is older and it's not equipped for these big SUV scooters that people havenow. Under the ADA, which also sometimes can tie in with the Fair Housing Act, thereare also construction requirements.So the ADA went into effect in March of 1991.So did those construction requirements.So if you have construction that occurred after March of 1991 or if your building isolder than that, but you've done any kind of a renovation on your building and the termrenovation is pretty flimsy and loose.It could be even like redecorating can be considered a renovation.You then have to comply with the dictates of the ADA in terms of the physicalrequirements. Like so, for example, it talks about thresholds.You can't have, you know, a big where someone can't come up on the scooter, you know,because of the thresholds or, you know, with their walker, that's an issue.Thresholds, grab bars, lowering cabinets in handicap accessible units.A certain number of your units should be made handicap accessible.That depends on how many units you have.It's a percentage.And simple things like aisles wide enough for people to use their scooters.And arguably in our setting, you know, knowing that many, many people do have mobilityimpairments, it's even more important, you know, to make sure that your community hasabided by the rules and the Department of Justice, you know, and lots of fair housinggroups. And HUD also has put in a tremendous amount of money to talk about people'sfair housing rights and to make sure that providers and architects and contractors areaware of what the physical requirements are for spacing and things like that andthresholds. And they've spent a tremendous amount of money talking about that andmaking sure that people are aware.So it becomes very challenging in these days.Every month a case will come out at least once a month on, you know, again, the ownerof multi-family housing, the owner of senior housing, a municipality, you know, manydifferent types for failing to construct their buildings in accordance with therequirements of the ADA.So you have to be careful about that.But there are reasonable rules.So have them about service animals.You know, you can have about scooters, you know, any other kinds of reasonableaccommodations. You should have, you know, rules around the private duty aides.They're another reasonable accommodation that you should have rules about.Got it. Sometimes we see this, the application of these rules, you know, don't seem soreasonable. I know a particular construction project that was not required to have anelevator, but was required to have handicapped accessible bathrooms on the secondfloor. Go figure.Right. Right.I don't know how, you know, somebody who's disabled, you know, then they would have tohave the right amount of housing on the first floor, you know, handicapped accessible.It wasn't a housing project per se.But, you know, we do see things like that sometimes, but that doesn't negate the rules.But if we can focus the conversation from a marketing standpoint.OK.We want to, you know, we titled this the do's and don'ts of nursing home marketing.So I know that there are things that we cannot say.For example, the nursing homes can't say that they're dementia units because there arelaws. This has nothing to do with Fair Housing, but this is the Department of PublicHealth. They haven't clearly defined a lot of regulations for what's qualified as adementia unit. And there's a whole process to go through.So you can call it memory here.You can call it a lot of other things.They can't call it by that name.I've actually walked in one of the nursing homes I was managing, at least in Massachusetts.I worked with the gentleman whose name is Dr.Paul Rea, and he's the one who wrote the regulations for what's called a dementia unit.And we were thinking of maybe turning one of our units, our memory, our unit thoughanyway was a dementia unit, to just make it an official one.And the cost and just the work that it would take, not just money, but also theinconvenience and the downtime that it would take to get it in compliance just didn'tmake sense. And we changed the wording in our marketing materials and we had the sameresult. So instead, we just decided, you know, it was a company decision, you know,should we do it, should we not do it, so how extensive it was didn't make sense.So question for you is what is the absolute, give me a great example of someone that didsomething horrific in their marketing or something that someone can do like really badin their marketing. And like, I guess I'm a worst case scenario person.And what happened as a result or what could happen as a result?So let me give you some examples of things that are risks in marketing when it comes tofair housing. And I've jotted a few of these down so that, you know, I cover everything.So the first one that I would talk about is models, models or people in your marketingmaterials, photographs of individuals, right?That can be problematic because, for example, we talked about the protected class of race,right? So if you only have photographs, they want to see, the government wants to seediversity. So if you have, you know, all Caucasian individuals, that could be a risk foryou because where are the people of color?You're not allowed to discriminate based on someone's color.What if everybody in your marketing materials is running, jogging, biking, doing yoga?Where are all the people that are on scooters, in wheelchairs, with walkers?So models can be potentially problematic.Another issue would be problematic language in your materials.Another one could be potentially, I know a lot of times marketing, especially in the CCRCsetting, will do what's called a targeting marketing campaign, right?So they want it, they're targeting to a particular income level.All right. And they're sending the materials out to that, to the people in a particulargeographic area that meet those income requirements.Well, there have been cases where that's been considered to be a discriminatory practice.Why? Because you're only sending all your marketing material specifically to potentiallyjust white people.Okay. And you're excluding and you may not have any discriminatory intent with that, butthat's the way it comes out.And in the Supreme Court has decided that in fair housing, there is something calleddisparate impact.It doesn't have to be that you purposely discriminate against somebody, but there is anactual disparate impact.So that's an area that you want to be careful about.Lack of an improper, lack of the fair housing logo, it's the little house, or having thelogo, but it's minuscule.You can't see it. If you have the logo and you should have the logo, the fair housinglogo, it's put out by the government.If you have one for leading age and you have one for, you know, whatever local societiesyou belong to and they're all of a certain font and your fair housing is teeny tiny inthe bottom, that's problematic.There is no requirement, by the way, on font, which makes it a little bit more complicated.But you want to make sure that it's the same size as everything else.Exclusionary practices for admission.Again, we don't let people in with scooters or we don't let people in with serviceanimals. Problematic applications, asking lots of, again, this is for independent living,not for nursing or, you know, assisted living or personal care.Asking medical questions, if you're not a type A community, that can be potentiallyproblematic. Asking intrusive questions, asking them to undergo a physical exam.If you don't have, you know, a guarantee of moving through the continuum of care, thatcan be highly problematic.Improper. Oh, I mentioned the improper request of physical exams.Steering, which is a term of art in the fair housing world.Steering means that I come in and I either and government, by the way, and so do fairhousing groups, send testers in to ask these questions and try if they think there'sdiscrimination going on, they will send somebody in who pretends to be an applicant oris looking for housing for their loved one and ask the questions to see what the answersare. Steering means that I come in and I say, hey, you know, my mom is looking forindependent living.She uses a scooter.She needs some help with her medication management.You know, she sometimes gets a little bit confused.And, you know, if you were to say to me, well, you know, she might feel a lot morecomfortable if she goes over into assisted living.That might be a better place for her.We don't really like those kinds of people in independent living.We don't want to look like a nursing home.That's steering. And that is illegal under the Fair Housing Act.Discriminatory denial of reasonable accommodations.And again, being aware of the state and local laws that expand upon the protected classesand making sure that you are not, again, discriminating against additional protectedclasses that your local jurisdiction or state may have in place.So those are a whole series of marketing risks that I would tell you you have to becareful of. Got it.So let's say I have an assisted living and I am targeting a certain group because this isthe group that actually needs the service, can afford the service, will maybe want theservice. Is there no legal way to target that group?If I'm going to put people, let's say, let's see an example of models or even, you know,language. If I'm going to put words on there or pictures or other things that don'tresonate with them, then they're obviously much less likely to, you know, to respond.It doesn't mean that these are the only people that are marketing to.I may have a separate brochure and a separate marketing plan for, you know, for adifferent ethnic group or a different protected class.But right now I want to focus on these people.You know, an open invitation is no invitation.Come over to my house any night you want for a barbecue.That means you're not invited. I'm not even telling you my address.But if I say Tuesdays at 4 p.m.having a barbecue, you know, please bring over, bring over your family.Here's my address. Then you're invited.Right. So the point is, people will resonate to marketing material if they will act on itresonates with them. So if it's, you know, if it's tailored to them, then it'll work.Can I? Is there no legal way to do that?There, you know, well, first of all, I want to be clear.I'm not giving legal advice here.I'm giving you advice from a risk management standpoint.And so, you know, listen, everything that we do is associated with a risk benefit analysis.Right. So I want to be clear about that.So a community can make a determination.What is their risk tolerance?If they really want to market and target towards a particular, you know, group because oftheir income. And it turns out that that they feel like we could be accused ofdiscriminatory behavior because it's going to go to, you know, all white people.That is a question.If you still want to market to that group, I'm not here to say you can't do it or youshouldn't do it. I'm just saying, be aware that that's a risk.Right. So anything that you market on could be a risk.But if you think that the benefit of targeting a particular group of people is going to,you know, bring in the people that you want or that you think would benefit from yourservices, then that would be your assessment of and that would be a risk tolerance toyour community. Right.Got it. Who are the discrimination police that are going to bring this case in front of,you know, they're going to get, you know, secret people coming in undercover and askingfor service.So the DOJ has testers that work for them in the Civil Rights Division.Now, who brings it to their attention so that someone would want to come down?Yeah. So I'm going to tell you, there are a lot of fair housing advocacy groups outthere. There are a lot of law school clinics that also have fair housing, you know,clinic that are staffed by law students.The government gives money.They're like quasi-public, private, public government entities.They get money from the government in recognition of their work and they get money fromthe government to do that.So they are there to enforce fair housing rights.Usually the way it would work is if I am an individual, many times this is how ithappens. I'm an individual.I go, I apply for residency at a particular community.I feel that I've been discriminated against for whatever reason that, you know, mydisability, my religion, the color of my skin, whatever it is.I go to a fair housing group and I make a complaint.If they, they will then investigate my complaint.If they feel that there is some validity to that, they will do their own research.They will start their own investigation.They will have testers.They will go out. They then turn it over usually to HUD.With their findings, if they feel that there is what we call a pattern or a practice ofdiscrimination, they will send it to HUD.If HUD, the Housing and Urban Development Office of the government, feels that it risesto a certain level and they think that there is a discriminatory pattern and practice goingon, then that gets referred over to the Department of Justice.So the lawsuit can either be me, Wildrick versus ABC Senior Living.If I feel that I've been discriminated against individually, I can sue you instate court or federal court.If it's a fair housing group, then a lot of times, you know, that fair housing groupwill bring it on my behalf.So it would be Wildrick and the Fair Housing Alliance versus if it goes to HUD, itwould be, you know, HUD, Housing and Urban Development v.the housing community.And again, in the worst case scenario, it rises up to the level of the DOJ, theDepartment of Justice, and they will bring the claim and it will then be the UnitedStates of America. It will be in federal court and it will be brought against you.So there are they are essentially what you're referring to as the police.They are the enforcers.They are bringing them. But private claims can be brought by individuals or by privatehousing groups. And there are loads of them out there or the government can do it.Well, so now on a professional standpoint, where do you come in the business thatyou're involved in? Which piece of this?Are you the police? Are you the defendants?Are you just educating people to stay away from the cops?Right. So my job as the risk manager for FSA, for the communities that we work with, webring we do lots of education.We do lots of fair housing education, both for marketing and admission staff, as well asstaff within the community that is responsible to move people through that continuum ofcare. So we do loads of education for them.We also come in many times and we do education for the residents themselves.We have meetings with residents.Sometimes residents, for example, may say, you know, things that we feel areinappropriate, like why is so and so in the dining room?She's in a wheelchair and and she's totally out of it.And I don't want to look at that when I'm eating and, you know, or asking questions.Why is this person living in independent living?This person doesn't belong here.She's not like the rest of us.She should go into assisted living.You know, we have a problem with it.We're here to educate the residents on their rights as residents, as well as, you know,what the Fair Housing Act says and why we're not going to share any details andinformation with them about other residents and what we're doing with them and forthem as far as reasonable accommodations or any any other way that we're working withthem. So we like to educate the residents.We also work specifically with marketing teams.We help them with, again, do's and don'ts in their marketing materials, language thatthey should have on all of their websites, on their brochures, on anything that they'redoing. We help them with information on, you know, things to share and not share duringtours. So, you know, we're here and we develop all kinds of templates for policiesand procedures and things of that nature.We also work with the risk management committees to review all of the marketingmaterials and the website before they actually go live and before anything's printed tomake sure that everything is, you know, on the up and up, both from a fair housingstandpoint and a general risk management standpoint.We don't want people over promising that, you know, it's all about for us settingrealistic expectations.So we're here at FSA to help our communities understand what it is, understand therisks, and also develop policies, procedures, rules, guidance.So we talk about rules and we have templates for rules for service animals, rules forscooters, rules for private duty aid, hold homeless agreements, indemnificationagreements when somebody does want to hire a private aide to make sure that theyunderstand that we're not responsible for, you know, what they do or what they doincorrectly or what they fail to do.So those are all things that we do at FSA in our risk management program to assist theorganizations that we work with.Fascinating.We've gone a little bit later because you're sharing, you're dropping all the jewelsthere. But the question for, is there anything, it may not be necessarily fair housingrelated, but if there are residents in a senior living setting that completelydisregards all discriminatory laws and regulations, to have some people that justdon't care anymore and they'll say things to the staff about their religion, aboutthe color of their skin, about the country that they come from, about their accent, andthey'll, they have nothing to lose.Is there any recourse, and you can educate them, but they don't care.Is there any recourse that providers can do to help really prevent their staff, notprotect their staff, or the residents from each other, when you have residents thatcompletely ignore all the rules that we're discussing?Well, that would be a topic for an entire other podcast.But what I will say is what you're describing for your employees is a hostile workenvironment. And even if you cannot stop the resident from saying, you know, thebigoted, you know, racist kinds of things that you're describing, you cannot, as aprovider, throw your hands up and say, oops, sorry.You know, in one particular case that was, it's a fairly recent case that was broughtfor a hostile work environment.The CNA was being, you know, spoken to in that manner that you just said, and alsosexually harassed, groped, touched, you know.And the administrator in that case, the language that she used was, put your big girlpanties on and deal with it.OK. And they got hit with a massive verdict.So you don't want to do that.But so, again, there are things that you should and can do to mitigate the harm thatcomes to employees. So, you know, for example, you might want to switch staffingpatterns around. You might, if it's somebody that is, you know, touching inappropriately,then you might want to use, you know, a male caregiver or you might send that person inwith a second caregiver at all times.Or you might, again, like in the case of the CNA that I was just talking about, she hasto be moved to a different wing away from that resident.And that's when the administrator said that to her.So, again, you want to look, there's all different things that you can do.But what you shouldn't do is to basically throw your hands up and say, there's nothingthat I can do about that.No, of course not. No, the question is not about the staff, but the question is, is thereanything that can be done to, I guess, to encourage or force the people who live inthat setting not to engage in those practices?Well, other than what you just described, you know, like the education, and obviouslyit's going to depend on the, you know, on the competency of that individual.If that individual has intellectual disabilities and or dementia, right, right.But if they don't have those things, then, you know, and they're not abiding by therules, then there may have to be, you know, after you've spoken to them, anddocumentation is key, you have to be documenting everything you're doing, everyeffort you're making, every conversation that you've had.And if that resident is refusing, then there may have to be a discharge in that casebecause you're not able to care for them anymore.Got it. Got it.Fascinating.If people want to learn more about the topics that we're discussing or learn moreabout you and your company, where's a good resource, where's a good place to send themto?Our website, FSAinfo.org, is a good place, and it has, you know, a number of theresources that we have on there.We, you know, we provide a lot of different services in addition to risk management.Awesome.Okay.FSA, what is it, FSAinfo?Yeah, FSAinfo.org.Okay.We'll include that in the show notes.I'm going to take a little peek.All right.Any final thoughts before we let you go for today?Again, I think it's really important that you recognize and discuss, you know, whatyour risk tolerance is because the message that I want you to take is, yeah, there area lot of fair housing rules and the advocacy groups really, you know, they take a verystrong position pro-tenant, pro-resident.You know, myself, you know, representing providers and on the, you know, trying tokeep providers out of trouble, I might take a more restrictive view of it, but it'sreally be aware of what the risks are and then make informed decisions about your riskbenefit analysis and what your risk tolerance is.Sometimes it might be better to decline admission to somebody, you know, and risk afair housing claim than to take somebody in that, you know, is not appropriate andit's going to struggle in a particular level of care, you know, and it's going to, youknow, be really a massive burden to you.You might choose to take the risk of potentially a discrimination fair housing claimthan to take somebody in that, you know, is going to be incredibly problematic andpotentially present you with a negligence action.Got it.Got it.Okay.I'm just going to, wait, you just want to unmute.I know you didn't, I'm sorry.I'm looking at the wrong place here.That's my bad.But there's just one comment here from Hannah.It says, thank you, Christina, for sharing your expertise as a marketing professional.Christina living in organizations is very interested in to think through the risks,which is definitely true.And there's something that you brought to us.Thank you very much, Christina, for joining us today and for sharing everything that youshared over here on the show.It definitely has been very informative just about, like you said, knowing the risks, whento take them, when not to take them.Right.Okay.You're welcome.Thank you for having me.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Rae Dawson to discuss the basics of Continuous Care Retirement Communities (CCRC). Rae is a CCRC expert and spent her original career primarily managing people and projects in high-tech in Silicon Valley for many years before gaining an interest in CCRC.She explains what it means for a facility/community to be a CCRC and why most assisted care facilities are not CCRCs.Listen in to learn more about CCRC regulations in North Carolina, the importance of having a plan before moving into a CCRC, the types of CCRC financial rating sources, and the five different CCRC contract models in NC. You will also learn about the factors determining how long it might take to get into a CCRC and why it's not too soon for you to think about getting into a CCRC when in your 50s.In this episode, find out:Rae's background career in high-tech and Continuous Care Retirement Communities (CCRC).What it means for a community to be a CCRC and why most assisted care facilities are not CCRCs.The importance of having a plan if you decide to age in place or move to a CCRC.The CCRC regulations in North Carolina, plus how to use the Department of Insurance website.Why it's not too soon for you to think about getting into a CCRC when you're in your 50s.The types of CCRC financial rating sources, what they offer, and what to consider when selecting a CCRC.Understanding the five different types of CCRC contract models offered in North Carolina.Factors that determine the type of CCRC contract model you should consider.Tweetable Quotes:“To be a CCRC, a community has to offer multiple levels of care, which are independent living, assisted living, skilled nursing, and they will typically also offer memory care.”- Rae Dawson“If you cannot find a facility/community on the Department of Insurance website, it's not a CCRC.”- Rae DawsonGet in Touch with Rae:Email: rae01dawson@gmail.com Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In the Race to Value, we must recognize that quality of life is the ultimate currency of healthcare, and this aim is all the more important in senior living facilities.  Transforming health outcomes for skilled nursing and senior living populations is not just a goal; it's a commitment to providing the care and dignity our elders deserve.  This week, we profile a leader in the value movement who leads a company on a mission “to improve the health, happiness, and dignity of senior living residents”. We are joined by Mark Price, CEO of Curana Health – a leader who lives by the mantra that “extreme passion” is the single most important ingredient to reform the American healthcare system. Curana Health is a provider of value-based primary care services exclusively for the senior living industry, including in nursing homes, assisted/independent living facilities, CCRC/life plan communities and affordable senior housing communities. Curana Health serves more than 1,100 senior living community partners across 30 states and participates in the MSSP ACO, ACO Reach and Medicare Advantage programs with CMS. Backed by more than $300M in venture capital funding, the organization is poised to disrupt care delivery in senior living on a meaningful scale through innovative care models and applied analytics. In this episode, you will learn about how to transform health outcomes for skilled nursing and senior living populations through extreme passion.  We cover such topics as how to leverage APMs such as MSSP and ACO REACH in the senior living setting, the performance results of Curana Health across their value-based portfolio, technology innovation, palliative care, the state of the nursing home industry, and future trends in the shift to home-based care delivery. Episode Bookmarks: 01:30 Introduction to Mark Price, CEO of Curana Health. 03:45 An estimated 27M more people are aging into the 75+ cohort through 2050, resulting in rising age and higher health acuity levels of residents moving into senior living. 05:00 Curana Health has achieved a 39% reduction in 30-day hospital readmissions and a 37% reduction in total hospital admissions among Medicare Advantage I-SNP members. 06:00 “There are many subsectors in the industry where value-based care can succeed.  The important thing is ensuring that your people have an extreme amount of passion for making it work.” 07:00 Founding story of Curana Health based on how we would want our loved ones to be cared for at the end of life. 08:45 The majority of Americans will spend some time in senior living or skilled nursing in the final years of their life. 10:00 Elite Patient Care ACO performed in the top 1% of ACOs in its first year of operation, achieving PBPY savings amount of $2,235—the highest PBPY for any first-year MSSP ACO since 2012. 11:30 Curana Health also has one of the top performing ACO REACH and risk-based MA I-SNP programs in the country. 11:45 “Our core business is not a payment model. It is a clinical model that produces health outcomes which, in turn, enables affordability as well.” 13:00 Developing a population health playbook for the senior living space. 14:00 Success in developing a level of clinical integration within a senior living facility that is now owned by the company. 15:00 MA Institutional Special Needs Plans (I-SNPs) are designed to meet the needs of people living in long-term care settings such as long-term care nursing, skilled nursing facilities, and inpatient psychiatric facilities. 16:45 Facilities are taking an ownership position of MA plans for senior living and skilled nursing residents. 17:00 Mark provides perspective on I-SNPs and how the Curana Health clinical model is achieving results to improve clinical outcomes. 18:30 Performing well by recognizing the commonality between MSSP, ACO REACH, and Medicare Advantage. 20:00 How CMS and CMMI is incorporating innovation to value-based payment models (e.g.SNF 3-Day Rule Waiver).

Last year, around 1.4 million high school students engaged in dual enrollment coursework. In this episode, we dive deep into the fascinating world of dual enrollment—a rising higher education trend that's reshaping the educational journey for high school students and the colleges that serve them. Dual enrollment coursework can be transformational, and while the avenues a student takes can differ, the term generally applies to courses of study where high school students tackle college-level classes, earning both high school and college credits simultaneously. Our guest, Dr. Davis Jenkins, is a distinguished expert on dual enrollment. As a senior research scholar at Columbia University's Community College Research Center (CCRC), Dr. Jenkins has a wealth of experience in dual enrollment programs. His research has uncovered some intriguing insights into the most effective ways to deliver dual enrollment. In this interview, Dr. DeHay and Dr. Jenkins will discuss:   The primary goals of dual enrollment. The impact of dual enrollment on college readiness, immediate college attendance, and first-year retention rates.  The work being done by CCRC's guided pathways—a whole-college redesign model aimed at helping all students explore, choose, plan, and complete programs aligned with their career and education goals. We hope you join us for this enlightening conversation on one of the approaches to higher education that is shaping our future.

What is our inner knowing? This week, Therapist Samantha Hardy describes why developing our inner knowing will not only build our outer confidence but lead to building trust within ourselves and nudge us toward new challenges. Inner knowing is more than just a "gut feeling," it feels right, true, steady, certain and stands in opposition to outer approval. Samantha dives into the difference between inner knowing and anxiety and how to delineate between the two, as well as how to tap into those feelings to identify both triggers and ways to propel ourselves. how family dynamics take you out of contact with your inner voice the 8C's: compassion, curiosity, clarity, creativity, calm, confidence, courage, and connectedness.  What are you doing when you feel most confident, creative, and connected? What is that experience like? Where does it sit in your body? When we can more clearly hear our gut and trust in its voice, we can create lives more deeply in alignment with our bodies and hearts! Tune in to hear how you can develop a more confident, clear-minded, vulnerable you and build a more confident life.   Sam Hardy is an Associate Licensed Marriage and Family Therapist with the Chicago Center for Relationship Counseling. Originally born and raised in sunny Los Angeles, she graduated from the University of Southern California in 2020 with a major in Psychology and a double minor in Forensics and Criminality & Individuals, Societies, and Aging. While studying as a graduate student in Northwestern's Marriage and Family Therapy program, she loved working as a Graduate Assistant to her professional role model, Dr. Alexandra Solomon. After her June 2022 graduation, she has so enjoyed being in the therapeutic space with individuals, couples, and adult families facing a variety of challenges including anxiety, life transitions, difficult family relationships, communication concerns, aging difficulties, and trauma. When she isn't meeting with her therapy clients, she has also worked for the past six years as a portrait photographer. Sam's Therapy Profile at CCRC: https://chicagocenterforrelationshipcounseling.com/sam-hardy  Sam Hardy Portraits: https://www.samhardyportraits.com/ & @samhardyportraits  More About Dr. Alexandra Solomon: https://dralexandrasolomon.com/ — Love this episode? — Follow @missunderstood.podcast + @kellie.sbrocchi on Instagram for episode updates + more. Special thank you to USEHATCH.FM for producing this episode. --- Send in a voice message: https://podcasters.spotify.com/pod/show/missunderstoodkellie/message

On Episode 314 of The No Limits Selling Podcast, we have George Brooks. George is the Founder/CEO of Metta Association, Film Producer at Andy Costa Films, Former CASA Advocate, Committee Member of the South Dallas Employment Project, Event Coordinator for CCRC.   George Brooks (born February 21, 1978) is the founder and CEO of Metta Association, a non-profit organization that advocates for the mentally ill and works toward the well-being and recovery of those affected by mental illness. Having been affected by mental illness has given him insight and has helped him to focus his passion and drive to help others. As a result, he strives to combat the stigma that is often associated with mental illness through education and spreading awareness. He is producing two independent films with Andy Costa Films, along with other projects. Find George Brooks: Website, LinkedIn, Twitter [EDITOR'S NOTE: This podcast is sponsored by No Limits Selling. It is a fun, fast-paced podcast that delivers hard-fought business advice that you can implement today to improve your sales and performance] Interested In Our Real Estate Coaching Services? Explore Our Website: Link Feeling Not Well Today? You Can Use Our Mindset Boosters App To amp Up Your Mood: Link Find us on Social Media:   LinkedIn | Facebook community | Instagram Like what do you listen to? Subscribe to our podcast! Ready to become fearless? We can help you become fearless in 60 days so you accomplish more in your career Schedule A 15 min Call with Umar

IT IS THE ONE HUNDREDTH EPISODE!! 100?! We are CELEBRATING this milestone in our 100th episode discussing the high's, lows, unexpected moments of self-reflection, the hate, I share favorite stories when I meet followers, and why this platform matters to me. In this episode, I have dear friend, Chicago neighbor, and Family/Marriage Therapist Samantha Hardy to interview me on my journey through the last 99 episodes and why this audience/mission fuels me every single day as well as debunk some of the myths surrounding my podcast and personal social media channels. I recount my favorite episodes, interviews, and the worst advice I've received about my passions outside of military service. Samantha digs into why I continue to push through the negativity and move forward with my mission, even though it may not always be the most popular decision, and I provide advance on how to channel your life's purpose even if others don't understand. When I launched MissUnderstood on April 5th, 2020, I had 8k Instagram followers, just placed Runner-Up at Miss California, a supportive (then) Boyfriend, drive to make a difference, & determination to USE my voice. Since my first episode launch, this podcast has been the most incredible ride: 100 episodes, 4 seasons, 271 reviews, over 50 guests, and ranked in the top 10% most shared globally---I HAD NO IDEA what MissUnderstood could and would grow into. From my heart to yours, thank you for being here. Every time I show up to the Mic it's a dream come true. I get to share my truth, other's journeys, missions, and passions, and I owe it all to the support of the listeners. Thank you guys!! I am so, so thankful for all of the support from mentors, friends, my production team at Hatch.fm, and most of all my husband, Austin. In the words of Elle Woods, "WE DID IT!" Love Sam? Sam's Therapy Profile at CCRC: https://chicagocenterforrelationshipcounseling.com/sam-hardy  Sam Hardy Portraits: https://www.samhardyportraits.com/ & @samhardyportraits  __________________________________ Follow https://www.instagram.com/missunderstood.podcast/ + https://www.instagram.com/kellie.sbrocchi/ on Instagram for episode updates + more. Special thank you to USEHATCH.FM for producing this episode.  The views and opinions presented herein are those of the author and do not necessarily represent the views of DoD or its Components. Appearance of, or reference to, any commercial products or services does not constitute DoD endorsement of those products or services. The appearance of external hyperlinks does not constitute DoD endorsement of the linked websites, or the information, products or services therein. --- Send in a voice message: https://podcasters.spotify.com/pod/show/missunderstoodkellie/message

On this revisited episode of Beyond the Balance Sheet, we are joined by guest Anna Hall, the creator of The Purpose Equation®. Throughout this episode, we discuss the importance of purpose and defining your how and your why. Anna breaks down what purpose is, and how people can go about finding their purpose through her signature equation. Anna says that  knowing your purpose equation can determine how to move through life. She  believes people's purpose(s) can shift throughout their lifetime through different milestones. Later in the episode, Anna provides excellent advice for parents supporting their children to determine the child's purpose by getting  curious about their interests. Tune in today to learn about individual purpose and how to create meaning and joy in everyday life.     IN THIS EPISODE:     [1:50] What does the word “purpose” mean?   [3:23] What is the purpose equation? What are the components?   [6:37] How does the purpose equation translate to practical things?   [13:22] Is there a natural time when people re-define their purpose?  [16:15] What is the linkage between mental wellness and a sense of purpose?  [23:53] How do families and parents talk to their children about purpose?  [28:55] What is Anna's purpose?     KEY TAKEAWAYS:     Purpose is not something that you do. What you do is an output of who you are and your why.   Everyone has a purpose. Everyone has the power within themselves to make a difference in the world.   What does your child love? A parents' job is to help unpack WHYs in the activities your children love. Focus on having your child figure out WHO they are, not what they will do. Try to remove SHOULD.     BIO:  Anna was a teenager when she volunteered at a nursing home in her hometown of Hanover, NH. It turned out to be her first step along a 20-year course focused on improving quality of   life for older adults. Along the way she has deployed and managed programs, services, and technologies with that aim. As she gained experience, she developed enrichment programs for older adults living in All Inclusive Care for the Elderly (PACE), Continuing Care Retirement Communities (CCRC), independent, assisted living and memory care settings.    She led CCRC and Skilled Nursing engagement programming for Brookdale Senior Living, the largest senior-living provider in the country. At Connected Living – a social impact company dedicated to connecting older adults with community and family – Anna served as the Chief Purpose Officer. She informed all aspects of the business, from product development to sales to operations, and realized that she loved creating and consulting at the intersection of technology, engagement, and culture. Throughout her career, she has witnessed how purpose builds resilience and improves wellness. Her mission has become helping people define and activate their purpose – in life and work.     In 2018, Anna began building The Purpose Equation®, an evidence-based framework that guides individuals to discover their unique Purpose. The Purpose Equation® LLC launched in July 2021. The framework she invented is the basis for programs and workshops that are designed to identify purpose, spark joy, and personal growth – at any age and in every moment.    Anna Hall's LinkedIn    The Purpose Equation Website 

In this episode, Dr. Jason Altmire has a fascinating discussion with Senior Research Scholar Dr. Davis Jenkins about the role of community colleges in providing value and return on investment for students. Dr. Jenkins is the Senior Research Scholar at the Community College Research Center (CCRC) at Columbia University Teachers College. The CCRC works with community colleges to achieve better outcomes and serve their communities with limited resources. Dr. Jenkins and Dr. Altmire discuss community college outcomes, degrees of value, and guided pathways.To learn more about Career Education Colleges & Universities, visit our website.

THIS IS A POWERFUL ONE! Are you looking to improve communication and resolve conflict in your relationships? Whether you are looking to diffuse tension with a roommate or rebuild a relationship with a long-term partner this is the episode for you! Ms. Samantha Hardy, an Associate Licensed Marriage and Family Therapist with the Chicago Center for Relationship Counseling, is on the podcast this week giving us 5 TIPS to resolve conflict! In this episode, Sam explains why it's important to: - Be Gentle with Yourself and your Partner - Understand what "Flips your Lid" using Dan Siegel's Hand Model of the Brain -The Time-Out Technique and why it's Okay! -Validate vs. Problem Solve -Go to Therapy as soon as your Partner requests it. As a newlywed, I found this episode so impactful and powerful because Sam's tips can be implemented in any relationship starting TODAY! She really lays out a step-by-step method to fine-tune your behaviors and show up to your relationship stronger than ever. Tune in to hear how you can take better control of your relationships and start resolving the conflict in your life! ________ Full Bio: Sam Hardy is an Associate Licensed Marriage and Family Therapist with the Chicago Center for Relationship Counseling. Originally born and raised in sunny Los Angeles, she graduated from the University of Southern California in 2020 with a major in Psychology and a double minor in Forensics and Criminality & Individuals, Societies, and Aging. While studying as a graduate student in Northwestern's Marriage and Family Therapy program, she loved working as a Graduate Assistant to her professional role model, Dr. Alexandra Solomon. After her graduation this past June, she has so enjoyed being in the therapeutic space with individuals, couples, and adult families facing a variety of challenges including anxiety, life transitions, difficult family relationships, communication concerns, aging difficulties, and trauma. When she isn't meeting with her therapy clients, she has also worked for the past six years as a portrait photographer. _________ Sam's Therapy Profile at CCRC: https://chicagocenterforrelationshipcounseling.com/sam-hardy Sam Hardy Portraits: https://www.samhardyportraits.com/ & @samhardyportraits More About Dr. Alexandra Solomon: https://dralexandrasolomon.com/ — Love this episode? — Follow @missunderstood.podcast + @kellie.sbrocchi on Instagram for episode updates + more. Special thank you to USEHATCH.FM for producing this episode.