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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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do a credit score on mom's social security. if you are POA, then stop the bleeding.
Put a stop on her SSN. she doesn't need c/c's advances, etc. stop the bleed, contact SS, and get the credit report. When you do get it, you may need to file a police report, and a sample of moms signature to prove it's forgery. Then have it notorized. If you want to get nasty with it, you may have to have him arrested for elderly abuse and forgery.
Lawyers, guns, and Money,,,,, Dad get me out this.... Sorry- Rick Derringer song long time ago...still a great song/
Does your mother know? I would get to the bottom of this. I went thru this my brother. It started out at $25,000 and three years later was about $80,000. Much other money was stolen, antiques sold. It was a mess. If you feel there is a problem, there probably is. Trust your instincts. If a bank holds this line of credit and there is real estate involved, you can probably find out the amount of lien against this real estate at the county clerk of courts office.
There is paperwork...... the issue will be how to find it. & you having authority as her DPOA or guardian to search on your moms behalf.
So bro has used what assets of your moms as collateral? House, car, investments, stocks, life insurance policy, art... all are assets that can be used as collateral to get secured lending. And if secured lending there will be paperwork filed. So what was put up as collateral? The type of asset will determine what paperwork was done.
Unsecured lending is pretty rare to get, other than co-signing student loans; OR unless your Bro is getting $ from Gino the kneecapper or running guns, drugs, flesh or $$$.
my mama and Dad (deceased) signed loan agreement back years ago. Revolving line of credit against stock. No copies of loan agreement left behind. Brother not talking just saying that I don’t understand. He is “smarter”
Dixie - if it is actually “against stocks”, it is NOT a revolving line of credit, it is rather a “margin”.
here’s my understanding of how margin & the very more important “margin call” work...... stocks have a value & wire houses / brokerages can have you use a set % of the $ value of the stocks at the date of the draw to take as cash or use to buy other stocks. (Latter tends to be what happens as it’s a way to grow your portfolio.... you use your $ to make more $). The % allowed to borrow or cash out is the margin; it might be 50% if you’ve got a diversified & more blue portfolio. % will be in the margin agreement. Margin $ can be lump sum or over time.
Heres the rub, if the value of the stocks should go at or below the value of the margin, it triggers a margin call. When you get a margin call, either the rest of the stocks have to be sold OR you wire over the margin call $ amount like now to keep your account open. Margin calls happen fast & the terms, especially as to settlement, were something your folks or their financial authority DPOA signed off on. Wire houses have compliance officers you can contact as to status on accounts you are dpoa for, if you know who brokerage is you can google compliance for your area. Compliance officer act independently of a local brokerage office, their regional or out of home office. They tend to be women too... like women with a lot of authority & no bs.
There are investors who use margin all the time as it’s a loop of using your $ to make $ but there kinda should be other investments or income cause margin calls can wipe you out if all $ just in those stocks. That’s a lot what happened for the dot.com tech bubble like 20 years ago and a bit in 2008 recession. If your folks had $ invested back them, thier portfolio could have taken a huge hit & maybe still working back up.
paperwork is there, it’s at brokerage of when initially done & if brokerage has gotten sold or folded into another one (lots did since 2008), thetes gonna be research needed
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.
Put a stop on her SSN. she doesn't need c/c's advances, etc. stop the bleed, contact SS, and get the credit report. When you do get it, you may need to file a police report, and a sample of moms signature to prove it's forgery. Then have it notorized. If you want to get nasty with it, you may have to have him arrested for elderly abuse and forgery.
Lawyers, guns, and Money,,,,, Dad get me out this.... Sorry- Rick Derringer song long time ago...still a great song/
So bro has used what assets of your moms as collateral?
House, car, investments, stocks, life insurance policy, art... all are assets that can be used as collateral to get secured lending. And if secured lending there will be paperwork filed. So what was put up as collateral? The type of asset will determine what paperwork was done.
Unsecured lending is pretty rare to get, other than co-signing student loans; OR unless your Bro is getting $ from Gino the kneecapper or running guns, drugs, flesh or $$$.
here’s my understanding of how margin & the very more important “margin call” work...... stocks have a value & wire houses / brokerages can have you use a set % of the $ value of the stocks at the date of the draw to take as cash or use to buy other stocks. (Latter tends to be what happens as it’s a way to grow your portfolio.... you use your $ to make more $). The % allowed to borrow or cash out is the margin; it might be 50% if you’ve got a diversified & more blue portfolio. % will be in the margin agreement. Margin $ can be lump sum or over time.
Heres the rub, if the value of the stocks should go at or below the value of the margin, it triggers a margin call. When you get a margin call, either the rest of the stocks have to be sold OR you wire over the margin call $ amount like now to keep your account open. Margin calls happen fast & the terms, especially as to settlement, were something your folks or their financial authority DPOA signed off on. Wire houses have compliance officers you can contact as to status on accounts you are dpoa for, if you know who brokerage is you can google compliance for your area. Compliance officer act independently of a local brokerage office, their regional or out of home office. They tend to be women too... like women with a lot of authority & no bs.
There are investors who use margin all the time as it’s a loop of using your $ to make $ but there kinda should be other investments or income cause margin calls can wipe you out if all $ just in those stocks. That’s a lot what happened for the dot.com tech bubble like 20 years ago and a bit in 2008 recession. If your folks had $ invested back them, thier portfolio could have taken a huge hit & maybe still working back up.
paperwork is there, it’s at brokerage of when initially done & if brokerage has gotten sold or folded into another one (lots did since 2008), thetes gonna be research needed