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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
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We had Wells Fargo since 1973. We´ve dealt with B of A for decades as well...
Bottom line...........we are now banking with a small LOCAL bank, perhaps 4 offices total in the close vicinity. Period.
They offer personalized assistance, INTEREST, access to their APP, access to the online statements...........they are in no way lacking. The huge banks are hard to deal with, parking is a joke...........
Check out the BBB for your local smaller bank choices and see if you could choose one of them.
What I would do is check out the websites for each bank and see which one has the most user friendly website. And which bank has an easy assess branch office nearby.
One thing to remember, and this is a bigee, if the account you are closing has automatic paying on that account or direct deposit, you need to set up the new bank account for the automatic paying and/or direct deposit, too. I made the mistake of closing the bank accounts and opening new one at the bank the same day. You need at lease 30 days overlap. Otherwise there could be late charges, say the utility company can't get direct payment from the old bank.
What I miss are getting back the actual cancelled checks. And some banks don't even print a mini copy of the cancelled checks any more.
I agree with Mulata88 about parking at some of the branch offices. I left one bank because of it.
My husband and I deal only with local, smaller banks and credit unions. They have excellent websites. With large banks like B of A and Wells Fargo, you are just a number.
I found the bank that sounds like "cargo" impossible to deal with. I swear they went out of their way to make things difficult for me as a DPOA - and the phone "customer service " was usually beyond rude.
We had lots of issues with WF -- ultimately we closed our account then got a letter 6 months later from a collection agency saying we owed the bank. We had to call WF several times before they told us the fees were because we had not maintained a minimum balance (because there was zero $ in the acct because it was supposed to be closed.) I had saved all our paperwork and it still took them several months to resolve the issue. I would never bank with them again.
B of A is no bowl of cherries either but we still have accts with them out of convenience. My mom banks with a small local bank and has zero of the issues we encounter with the bigger banks.
I hate all banks but they are a necessary evil. I agree with others, we use only a small local bank. They are much easier to deal with, offer all the services the big guys do and you can actually speak with someone higher up in the pecking order if you have a problem, unlike the faceless global crooks.
I speak first hand and currently to say WF is a terrible bank to work with as POA and Executor. Even with proper documents, they make it more difficult than it should be.
I don't understand how Wells Fargo can be so bad. My husband had enormous problems getting Bank of America to accept his POA for his father. They didn't want to accept my POA document for mom because it didnt have a seal. But it wazs an official copy. I got angry, frustrated, and said you could call the lawyer for proof that its real and official. Finally a supervisor approved it. Went to Wells Fargo and had no problems at all with the POA. They accepted it right away.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
We´ve dealt with B of A for decades as well...
Bottom line...........we are now banking with a small LOCAL bank, perhaps 4 offices total in the close vicinity. Period.
They offer personalized assistance, INTEREST, access to their APP, access to the online statements...........they are in no way lacking. The huge banks are hard to deal with, parking is a joke...........
Check out the BBB for your local smaller bank choices and see if you could choose one of them.
M88
One thing to remember, and this is a bigee, if the account you are closing has automatic paying on that account or direct deposit, you need to set up the new bank account for the automatic paying and/or direct deposit, too. I made the mistake of closing the bank accounts and opening new one at the bank the same day. You need at lease 30 days overlap. Otherwise there could be late charges, say the utility company can't get direct payment from the old bank.
What I miss are getting back the actual cancelled checks. And some banks don't even print a mini copy of the cancelled checks any more.
I agree with Mulata88 about parking at some of the branch offices. I left one bank because of it.
B of A is no bowl of cherries either but we still have accts with them out of convenience. My mom banks with a small local bank and has zero of the issues we encounter with the bigger banks.