OAKLAND HOUSING CRISIS AND OUTSIDE THE BOX THINKING

I want to give you an example of some OUTSIDE THE BOX THINKING LIKE I TEACH MY GOLD COURSE MEMBERS

Recently, a man who needed housing- (GROUP HOME HOUSING WOULD BE IDEAL) –
lost all of his belongings as a result of a not-to-cool incident….You may already have read about it.

Some people – LIKE YOU – stepped up to the plate and raised money for his housing using a website called GOFUNDME.COM

As you can see above, they raised over $14,000 in a few days simply by telling people that they wanted to help this man out and give him some housing and related services.

THIS SALES PROCESS IS THE SAME METHOD I TEACH IN MY GOLD COURSE

Look, whether you are registered as a FOR PROFIT or a NON-PROFIT, it is your obligation to learn how to sell, market and get your message out.

The #1 place where people will learn about you is through the internet.

How do you think these guys raised over $14,000? (HINT: Through the internet)

Learn the GOLD COURSE secrets to not only operating a GROUP HOME so you can start helping out the community but also the secrets to getting the word out in the most cost-effective way in the history of the world – THE INTERNET!

I have set up a special for my GOLD COURSE clients and also my FREE SUBSCRIBERS so that they can take advantage of the most technologically advanced LEAD GENERATION PLATFORM


that will allow you to launch your behavioral healthcare and GROUP HOME career.

Are you interested in helping out your community like the two gentleman above?

Do you want to raise $5,000; $10,000; $50,000 or even $1,000,000 each and every year?

Do what these two gentleman did and UTILIZE THE POWER OF THE INTERNET and

NOT QUITE THERE? SIGN UP FOR MY 10-STEP COURSE ON HOW TO START A GROUP HOME FOR YOUR COMMUNITY!

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Venture Capitalists Getting Into The Group Home Business! CHECK THIS OUT

Venture Capital For Your Group Home? Yes. It Is A Reality

I was in Maui a few weeks ago laying out by the pool drinking a Mai Tai ($25. WTF??) and read an article about a San Fran Startup Called “BUNGALOW” that had received MILLIONS of dollars in funding to essentially do what I teach people to do in my 

GOLD COURSE

The funny thing? This is further confirmation that MY MODEL WORKS!

Check out this headline from a highly respected venture capital news source:

         “CO-LIVING HEATS UP IN THE U.S. COMMUNAL HOUSING STARTUPS TAP INTO HUGE DEMAND”


Startups are targeting what I refer to as the “GROUP HOME” space, but what is also now apparently known as the “Communal Housing” and “Co-Living” Space. Look- its all semantics. Just another spin. 

                                                                                                     I don’t sugar-coat anything. 

I tell you EXACTLY what needs to be done in order to operate your CARE HOME, GROUP HOME or COMMUNAL HOME profitably. I break it all down in easy to understand steps so that a kindergartner can understand it. 

 

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The VC industry likes making things complicated. Remember, there is a LOT of money in confusion!

The cool thing is that if you follow the steps outlined in my GOLD COURSE you can cut through the BS and actually learn how to use this VC backed technology and their systems to your advantage. 

Look, if these VC backed startups are doing what I teach people to do, WHY NOT GET IN ON THE ACTION TODAY!!!

Some of these “COMMUNAL HOUSING” startups that have received BILLIONS OF DOLLARS FOR STARTUP CAPITAL INCLUDE:

Common
Roomin
Bedli
Bungalow
Wanderful
HomeShare
OpenDoor
WeLive
and many, many, many more

              Check out these headlines from FORBES:

DEMAND IS PUSHING THE CO-LIVING FRENZY TO NEW HEIGHTS

Millennials are paying thousands of dollars a month for maid service and instant friends in modern ‘hacker houses’ 

It may be on its way there. Common, a co-living startup, received almost 10,000 applications to fill its nine residences across three major US cities in 2016. The company is gearing up to rent hundreds more rooms this year. Open Door, founded in 2013, has established three co-living spaces in the Bay Area. The startup plans to expand from 40 bedrooms (with 140 more in the pipeline) to 1,000 rooms by the end of 2018. 

GROUP HOME RICHES SUBSCRIBERS:

When the TECH GIANTS and Venture Capital BIG-WIGS get into the game – you KNOW that it is a PROVEN MONEY MAKER.

                  If you ever had any doubt – you no longer should.

The demand is there. YOU CAN DO THIS. YOU SHOULD DO THIS.

PEOPLE NEED YOU!

COMMENTS?

QUESTIONS?

DISAGREE WITH ME?

WANT MORE INFO ON MY GOLD COURSE??

Interested in my FREE- 10-PART COURSE??

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EMAIL ME TODAY!


Risk Vs. Stability In Your Group Home Business!

                                  GROUP HOME RISK VS. STABILITY

  
                   “Andy, what about investing in the stock market?”

I am not a stock market guy, so I really can’t answer. Here is why:

When I was 22 years old I worked at a tech company. I bought their ESOP shares. I was always able to buy them at a 15% discount to their publicly traded value.

At the time, the market was HOT. Eventually, I had about $9,000 worth of this company stock. Did I sell it? No! I (like everyone) was waiting for it to go UP UP AND UP!

I remember when I went to bank of america for my first loan that summer. I asked them for a $52,000 loan and they asked me what I had to show for it. I told them a job ($35,000/ year) and my stock and about $6,500 in cash I had saved up selling cutlery.

Long story short, the banker told me that my stock didn’t count! Basically, to them it was worthless.

HERE IS WHY

Stocks (buy and large) do not pay you!

AT&T collects from you MONTHLY, yet if you own their stock, they pay you QUARTERLY.


WHY??

Because CASH FLOW IS THE HOLY GRAIL.

GET IT???

Bank of America took some of my CASH as a down payment and qualified me based on my INCOME and my CASH (remember – my tech stock never paid me any income! – but my job did)

WHY GROUP HOMES EQUAL STABILITY

Most people have enough INSTABILITY and CHAOS in their daily lives.

– Taking your children to school
– Family issues
– Cleaning the house
– Washing your car
– Grocery Shopping
– Fighting Traffic on the way to work
– Toilet leaks
– ETC.



DO YOU REALLY WANT THE INSTABILITY AND THE UPS AND DOWNS OF THE STOCK MARKET ?

(and it never even pays you!)

AND WHEN IT DOES, BEST CASE IT IS PROBABLY 3% OF THE TOTAL VALUE!

With GROUP HOMES and the way that I teach and train people to operate them in my GOLD COURSE – YOU GET PAID EACH AND EVERY MONTH!

It doesn’t matter what happens to the stock market. It doesn’t matter what happens to BITCOIN. Your clients will continue getting paid by the federal govt. each and every month and your staff will continue to care for them, house them and collect from them EACH AND EVERY MONTH.

THIS IS THE TRUE VALUE OF GROUP HOMES IF YOU RUN THEM THE WAY THAT I TRAIN PEOPLE IN MY GOLD COURSE

So if you are looking to reduce RISK and increase STABILITY and think that GROUP HOMES, CARE HOMES and the ASSISTED LIVING industry may be calling you…..

Check out my GOLD COURSE

If you are not yet ready for my GOLD COURSE, check out my free 10-part course

Get Started Now

P.S. That $9,000 of stock that I had eventually went to ZERO. Yes, 0 (ZERO). This is why I focus my efforts on REAL BUSINESSES that pay real CASH each and every month like I teach in my GOLD COURSE. 

 

Fake News? What About Fake Insurance!

        THE ABOVE PHOTO IS 2 WEEKS OF INSURANCE PAPERWORK…..Bare minimum 4 hours to go through. Bare minimum.

GROUP HOME INSURANCE AND WHY YOU NEED IT

I received an email from a client of mine earlier this AM. She told me she had read one of my emails and she started to cry. She was inspired, but also probably sad about the realities of life…..She had recently dropped 80K into a home which was then devastated by a leaking water pipe. And her “Insurance” didn’t cover it.

FAKE NEWS?

So what does this have to do with fake news? Fake news is all over the media. CNN claims FOX is fake. Fox Claims CNN is fake. Who knows…..

BUT LET ME TELL YOU SOMETHING THAT MAY ACTUALLY IMPACT YOU

FAKE INSURANCE!

Yup, I bet nobody has ever mentioned FAKE INSURANCE to you. But I am.

I am here to tell you about something you NEED to watch out for. Why? Because 99.9% of my readers and GOLD COURSE subscribers are WONDERFUL, HONEST people. People like my mother and my father. People like my In-laws. People like you……



I AM THE WAKE UP CALL YOU NEED.

THE WAKE UP CALL FOR THE “MIDDLE” AND

“UPPER MIDDLE CLASS”

LET ME EXPLAIN………

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The insurance business model is to collect premiums and not pay claims. Plain and simple. I know this breaks the heart of so many good people out there. But it is the TRUTH.

How do I know this? For one, I have a LOT of real estate. Not compared to some 8 ZERO folks out there, but compared to most. And the insurance companies LOVE to play games.

THERE IS A LOT OF MONEY IN CONFUSION

1. You sign a policy
2. You pay the premium
3. They send you a letter claiming it “didn’t meet underwriting guidelines”
4. They fail to include the PROPERTY ADDRESS! (Are you ******** kidding me??)
5. You ask your agent which property this is for
6. 3 days later, the agent gets back to you, but without a reason
7. You ask for a refund
8. You are now sent a “reinstatement” letter a week later
9. 30 days later, you receive another cancellation notice
10. And the cycle of confusion continues.


By the way, this is for “A-Rated” carriers. Trust me, its a SCAM. They know EXACTLY what they are doing.

THIS IS NOT 1950’s AMERICA ANYMORE.

 

The insurance companies know with 110% actuarial certainty that they can confuse you with paperwork. I repeat…there is a lot of money in CONFUSION


Look, there are plenty of people scamming the insurance companies for roof repairs etc. And insurance companies can and DO pay claims.

But when all is said and done, these insurance companies are playing games.

 

AND YOU WILL LOSE UNLESS YOU KNOW HOW TO DEAL WITH THEM LIKE I TRAIN PEOPLE TO DO IN MY GOLD COURSE.

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The moral of today’s story is not necessarily
 to BASH the insurance industry (even though I am 🙂   It is to illustrate a point. Watch out for FAKE NEWS that can actually impact you. CNN & FOX really can’t impact you. But your insurance CAN.Fake insurance can impact you.

Make sure you aren’t paying premiums with nothing in return

Fake “retirement” can impact you. Make sure you aren’t loaning Wall Street money for 40 years at 4-8% (with no dividends) and letting their lobbyists have the IRS and Federal Government Fine You and Penalize You when you attempt to take some of YOUR savings before you turn 70 years old! (they too, have their actuaries and know with certainty that you WILL try! )

GOLD COURSE MEMBERS, COACHING CLIENTS, WEBSITE CLIENTS AND THE REST OF YOU:

Take a deep look into your world tonight. Who in your life is “Real” and who is “Fake”?

Find a mentor or a coach that is actually DOING what you want to be doing and start learning from them. Learn from their mistakes.

If they have dealt with “FAKE INSURANCE” ask them how they dealt with it. Better yet, if they have something like my GOLD COURSE, buy it and learn!

If you want to improve your life, get out of the “rat race” and begin creating a nice, liveable income stream for yourself and your family while SIMULTANEOUSLY helping others………

 

find out about some REAL BUSINESS OPPORTUNITIES THAT REQUIRE WORK – but that can actually produce a sustainable income for you. There are a lot of them.

(HINT – Tweeting and Instagramming are not real businesses!)


I just so happened to get lucky and stumble upon GROUP HOMES as an extremely viable opportunity. It works. They Work. They help your community. They help REAL PEOPLE.

– Parolees
– Mentally challenged
– The Elderly
– The disabled
– Young adults
– Physically disabled
– The un-sheltered
– People on Low-Incomes that need roomates

Get Started Now

Look, this is a REAL BUSINESS. Whether you live in Youngstown Ohio or Miami Florida or Houston,Texas PEOPLE NEED YOUR HELP.

They don’t want FAKE HELP. THEY WANT REAL HELP.

 

DECIDE TODAY IF YOU WILL BE THE “REAL” PERSON THAT HELPS.
THEN DETERMINE HOW YOU CAN “SKILL UP” and LEARN EVERYTHING YOU NEED TO KNOW.

 

My
GOLD COURSE

Can and will SHOW YOU HOW. It may just be the thing you need to set you free
(and not get taken by FAKE INSURANCE 🙂

Get Started Now

FLO VERSUS THE GECKO – WHO WOULD YOU CHOOSE AND WHY?

                             Yesterday I talked about two things:

#1 Risk Vs. Stability (i.e. Group Home Stability Vs. The Stock Market and the ups and downs of YOUR Life )

#2 A Nine Point Marketing Checklist that ADDS stability to your GROUP HOME BUSINESS, and the most important aspect of all – your inbound lead-generation website

Today, I want to ask you a question….

Back when we were young, we would play dodgeball, kickball and other games at lunch. You always needed to pick the best players to get on your team. Right?

Life is the same way. You need to pick the best players.

So today, we are going to play a hypothetical game of kickball for business entrepreneurs where YOU……

need to select or hire either the GECKO or FLO for your team.

WHO WOULD YOU CHOSE? THE GECKO OR FLO?

While you think about your answer, let me give you mine. In less than 1/2 a second I am choosing the GECKO.

HERE ARE A FEW OF THE REASONS WHY I AM CHOOSING THE GECKO:


– The GECKO doesn’t cost me anything!
– The GECKO is not going to die next month!
– Remember the instability of family life that we discussed yesterday? The GECKO doesn’t have that!
– The GECKO doesn’t need me to send her a check every two weeks
– The GECKO doesn’t have FICA (Federal Insurance Contributions Act)
– The GECKO doesn’t have FUTA (Federal Unemployment Tax Act)
– The GECKO doesn’t have Social Security, State Income Or Medicare Taxes!
–  I don’t have to understand all the acronyms that the govt. uses to covertly TAX ME!
– The GECKO doesn’t need to be motivated each and every day to drive leads and sales
– The GECKO appreciates over time. Flo is depreciating by the day!

WHY I AM TELLING YOU THIS

One of the biggest mistakes I made when I first started my GROUP HOME BUSINESS was doing all the sales and marketing by myself. I didn’t have the time nor the energy! Then, when I got my first Group Home – it took my a month and a half to get it to 100% occupancy.

I WAS LIKE FLO! And I was already getting tired and depreciating!

Then, when I thought about hiring someone (like FLO) I realized that they would cost me $500 – $3,000 PER MONTH!

THEN I REALIZED I NEEDED A GECKO…..JUST LIKE WARREN BUFFET HAS WITH HIS GEICO ADVERTISING AND
LEAD GENERATION SYSTEM

I immediately went to work attempting to build out a website. What a nightmare! It took me over 7 months, then my developer shut down and I lost the code! Ugghh. Then I had to do it all over again….But I finally got the LEAD GENERATION WEBSITE UP AND GOING

IT WAS MY GECKO

It did not cost me $3,500 per month. It didn’t even cost me $500 per month. Heck, I didn’t even have to pay out commissions!

My total costs were a measly $25 per month in hosting fees!

I had literally replaced a full time sales and marketing person with a website. A website that I owned. A website that was appreciating over time (not depreciating). A website that added STABILITY to my business. A website that never got sick (sales reps get the flu during the winter!)

Adding this LEAD-GENERATION WEBSITE to my business was literally a GAME CHANGER. And the best part was that over time – it truly appreciates. What I mean is that google has a specific algorithm for measuring the quality and effectiveness of a website. One of those is length of time the website has been up. The longer it has been in existence, the higher it goes in the search rankings. Yes, MY WEBSITE WAS APPRECIATING IN VALUE!

Just imagine how much STABILITY you could add to your life if you had 40-50 Group Home Client leads per week coming in to your inbox?

Even if you did not yet have a GROUP HOME, wouldn’t this be a great place to start to “Test The Waters” and determine if there was truly an opportunity in your city?

Once you had your very own website, and you began getting leads each and every day – wouldn’t it inspire you to build out a WAITING LIST (like I teach in my GOLD COURSE)? Once you had the new Group Home Rented, you could literally get on the phone and have each and every bed leased up in less than a few days – and from then on….

Your Group Home would spit out tokens to you- each and every month –  like a broken slot machine!

The best part about using the patented, Group Home Riches Lead Generation Website is that you do not need to understand code. You don’t need to program in C++. You don’t need to worry about someone stealing it. You don’t need to hire a developer. We do all the heavy lifting for you! We Build it For You and YOU OWN IT!    It is Your Asset.  An Asset that YOU CAN TAKE TO THE BANK. An Asset that you can eventually sell!



An Asset that can produce 5,10, 20, 50 or more client leads PER WEEK FOR YOU!


Don’t try to be FLO. Don’t bother hiring a Flo. Flo Get’s The FLU.

YOU NEED A GECKO

                                                      YOU NEED A GROUP HOME LEAD GENERATION WEBSITE
PS – If this is something that you are even remotely considering, then click on the link above. Learn a little bit about how we do this. Learn a little bit more about the “true value” of having your very own group home website.

PPS –

I am watching my daughter today (not really working much) and will have some time to respond back to emails – so if you have any questions – feel free to ask

BEST

ANDY

Sacrifice Today So You Don’t Need To Compromise Tomorrow

  Sacrifice Today So You Don’t Need To Compromise Tomorrow

 What are you willing to give up so that you can have greatness and the life you deserve?

Do you remember the first car you bought?

Chances are it was used. Chances are that you had to make a lot of sacrifices to get it. Work. Delivering Pizzas. Delivering Newspapers. Whatever it was…you sacrificed, but you  got it!

And when you finally bought it…you were stoked! What a great feeling it was.

If you want to become more successful, you will need to sacrifice. But in addition to making sacrifices so that you don’t need to make compromises, you also need to learn how to use your time, energy, money and effort to the fullest extent.

THIS IS A SACRIFICE. IT TAKES TIME TO RESEARCH HOW TO START A GROUP HOME. IT TAKES TIME TO READ MY BLOGS AND EMAILS. THIS IS SACRIFICE.

SACRIFICE INVOLVES COURAGE.

As you continue to sacrifice and build your courage – you will no longer need to compromise.

Why? Because little by little – just like compound interest – your courage grows

One thing I did that involved sacrifice and using my courage was
BUILDING OUT A LEAD-GENERATION WEBSITE FOR MY GROUP HOME BUSINESS

Today, I am asking you to use YOUR COURAGE and SACRIFICE and explore what a LEAD-GENERATION WEBSITE COULD DO FOR YOU. 

Think about it. Sacrifice 20 minutes of your day thinking about the impact that a lead-generation website could have on your business

– Would it help if you knew you had 20-50 people per week looking for Group Home Housing?

– Would it help if 7 case workers per day were calling you asking if you had any vacancy?

– Would having 3 inbound leads per day to your email inbox give you the courage to go rent another home for your GROUP HOME BUSINESS?

– Would n’t it make you feel great knowing that you had a side income of $3,700 per month from you newest Group Home that could pay the mortgage on a $750,000 Home?

Sacrifice Today So That You Do Not Need To Compromise Tomorrow
Click here and Check Out Our Group Home Lead-Generation Website That We Build For You.


Your Asset. Your Website. Your Leads.Your Sacrifice. Your Victory. 

 

Want to just get started with a FREE – 10 part course?? CLICK BELOW

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GROUP HOME TAX LOOPHOLES – LEARN FROM THE BEST

Today I am going to teach you the MAGIC of the REFI…..REFINANCING YOUR GROUP HOME FOR COLD HARD CASH!

David Blaine and David Copperfield AIN’T GOT NUTHIN’ ON THIS!
LET ME SHOW YOU HOW REFINANCING CAN MAKE YOU A FORTUNE

A few years ago I bought a few homes – all of which we turned into GROUP HOMES.

This group of properties cost about $450,000. After we converted these into GROUP HOMES – the income jumped DRAMATICALLY. After 3.5 years, I went to the bank and showed them the financials on these 4 properties.

GUESS WHAT?

The bank said, “ANDY, would you like $800,000?” (Refinancing for cold hard cash)

Even better, the interest rate and monthly payment went down – as did the amortization rate!

Even better, I kept these assets and parlayed this additional money into MORE GROUP HOMES TO CREATE EVEN MORE INCOME!

Even better, my TAX BILL ON THE MONEY THE BANK GAVE ME WAS ZERO!

This is the MAGIC OF THE REFI!

Wall Street knows this. Blackstone Knows this. All the LBO firms know this.

NOW YOU KNOW THIS!

DAVID BLAINE WON’T SHOW YOU HIS TRICKS. (he doesn’t have any refinance tricks)

DAVID COPPERFIELD WON’T SHOW YOU HIS TRICKS (he doesn’t have any refinance tricks either)

BUT I AM HERE TODAY, SHOWING YOU THE TRICKS OF THE TRADE. One of these tricks is the trick of the refinance!

This is just a small, small fraction of the stuff you will learn in my GOLD COURSE.

As a bunch of my private coaching clients mention to me daily…

“ANDY, I always knew there was money at the end of this rainbow…But nobody wanted to show me where the rainbow was! I am sooo thankful for you, Andy! “

Remember, none of this would have been possible had it not been for occupancy and income. And quite frankly, none of this would have been possible had it not been for my customized,
 GROUP HOME LEAD GENERATION WEBSITE


If you are looking for any of the following – just click below and review what we offer and how we can help youPRIVATE MENTORING AND 1-ON-1 COACHINGMY GROUP HOME RICHES GOLD COURSEA CUSTOMIZED, GROUP HOME LEAD-GENERATION WEBSITE TO HELP YOU DRIVE TRAFFIC, OCCUPANCY AND INCOME 

(and eventually use this income to incorporate the MAGIC OF THE REFI where you can get HUGE- Multi-6 Figure, tax free paydays!

If you are looking to operate group homes or buy them, increase the income and refinance them for free, tax free money – check out my free – 10-STEP COURSE

Get Started Now


Andy

PROPOSITION HHH – a 1.2 BILLION BOND – for supportive housing. THIS IS BIG FOR YOUR GROUP HOME BIZ

                 Andy, where do I get the money???

I hear this all the time. 9 times out of ten, the person asking the questions either has not purchased my GOLD COURSE nor have they ready all of my BLOG. But the answer is simple. GO TO THE COMMUNITY ACTION NETWORKS. GO TO THE GOVT.

In Los Angeles alone, 1.2BILLION – YES BILLION – is being given away by YOU – the taxpayers, to help alleviate this mess. Just next year alone, almost $450 MILLION will go towards this population

http://www.latimes.com/local/lanow/la-me-ln-garcetti-state-of-city-20180416-story.html

My question to you is what are you waiting for??? The money is there. The demand is there. SUPPLY? Not so much. That is where I come in.

I show people like you how to provide the SUPPLY. The housing, the food, the service. And most important, how to GET PAID for doing it…

Check out the above link. This is where you start. THE GOVERNMENT. What is the GOVERNMENT? It is YOU. YOUR MONEY. YOUR TAXES.

LEARN HOW TO MAKE MONEY WITH GROUP HOMES TODAY

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Is Starbucks The New Homeless Shelter? How Does This Impact The Group Home Business

Some would argue that providing group home housing is extremely important to alleviating homelessness. Others would argue that you are giving people “too much” and enabling it by providing Low Cost housing and amenities. The one thing that both parties can agree on is that we have an affordability problem, a homeless problem and a housing problem

Now Starbucks is involved…….

The Two Schools of thought produced the following quotes in the WSJ:

“It sounds like Starbucks is turning their stores into homeless shelters. Their coffee is strong but their management is weak,” said Ron Raduechel, a 64-year-old retired supply chain executive from Waukesha, Wis., who said he would no longer go to Starbucks.

“I believe Starbucks is doing what’s right in their hearts whether its outcome sparks negativity or not,” said Johnny Varela, a 31-year-old carpenter in Orlando, Fla.

“I think Starbucks is very humanitarian.”

 

MY QUESTION TO YOU IS….”WHAT ARE YOU GOING TO DO ABOUT IT?”

If you are interested in learning how to help this population, and make great money doing it, sign up for my free 10-part course. It may just be the best decision you ever have made….

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Do You Want To Be A Guardian Angel? Provide Housing For Disabled Vets And Start A Foster Home

          DO YOU WANT TO BE A GUARDIAN ANGEL??

VA TURNS TO FOSTER CARE RATHER THAN NURSING HOMES – READ BELOW ARTICLE TO LEARN MORE

 

THIS ARTICLE IS FROM THE NEW YORK TIMES…IF YOU WANT TO LEARN HOW TO DO THIS, SIGN UP FOR MY FREE 10-PART COURSE

Get Started Now

OR CHECK OUT MY GOLD COURSE, FOR MORE STEP BY STEP INSTRUCTIONS

Ralph Stepney’s home on a quiet street in north Baltimore has a welcoming front porch and large rooms, with plenty of space for his comfortable recliner and vast collection of action movies. The house is owned by Joann West, a licensed caregiver who shares it with Stepney and his fellow Vietnam War veteran Frank Hundt.

“There is no place that I’d rather be. . . . I love the quiet of living here, the help we get. I thank the Lord every year that I am here,” Stepney, 73, said.

It’s a far cry from a decade ago, when Stepney was homeless and “didn’t care about anything.” His diabetes went unchecked and he had suffered a stroke — a medical event that landed him at the Baltimore Veterans Affairs Medical Center.

After having part of his foot amputated, Stepney moved into long-term nursing home care at a Department of Veterans Affairs medical facility, where he thought he’d remain — until he became a candidate for a small VA effort that puts aging veterans in private homes: the Medical Foster Home program.

The $20.7 million-per-year program provides housing and care for more than 1,000 veterans in 42 states and Puerto Rico, serving as an alternative to nursing home care for those who cannot live safely on their own. Veterans pay their caregivers $1,500 to $3,000 a month, depending on location, saving the government about $10,000 a month in nursing home care. It has been difficult to scale up, though, because VA accepts only foster homes that meet strict qualifications.

For the veterans, it’s a chance to live in a home setting with caregivers who treat them like family. For VA, the program provides an option for meeting its legal obligation to care for ailing, aging patients at significantly reduced costs, because the veterans pay room and board directly to their caregivers.

Cost-effectiveness is but one of the program’s benefits. Stepney and Hundt, 67, are in good hands with West, who previously ran a home health-care services company. And they’re in good company, watching television together in the main living room, going twice a week to a center that offers daytime care and sitting on West’s porch chatting with neighbors.

West, who considers caring for older adults “her calling,” also savors the companionship and finds satisfaction in giving back to those who spent their young lives in military service to the United States.

“I took care of my mother when she got cancer and I found that I really had a passion for it. I took classes and ran an in-home nursing care business for years. But my dream was always to get my own place and do what I am doing now,” West said. “God worked it out.”

The Medical Foster Home program has slightly more than 700 licensed caregivers who live full time with no more than three veterans and provide round-the-clock supervision and care, according to VA. Akin to a community residential care facility, each foster home must be state-licensed as an assisted-living facility and submit to frequent inspections by VA as well as state inspectors, nutritionists, pharmacists and nurses.

Unlike typical community care facilities, foster home caregivers are required to live on-site and tend to the needs of their patients themselves 24/7 — or supply relief staff.

“It’s a lot of work, but I have support,” West said. “I try to make all my personal appointments on days when Mr. Ralph and Mr. Frank are out, but if I can’t, someone comes in to be here when I’m gone.”

VA medical foster home providers also must pass a federal background check, complete 80 hours of training before they can accept patients, plus 20 hours of additional training each year, and allow VA to make announced and unannounced home visits. They cannot work outside the home and must maintain certification in first aid, CPR and medicine administration.

But one prerequisite cannot be taught — the ability to make a veteran feel at home. West has grown children serving in the military and takes pride in contributing to the well-being of veterans.

“It’s a lot of joy taking care of them,” she said of Stepney and Hundt. “They deserve it.”

To be considered for the program, veterans must be enrolled in VA health care; have a serious, chronic disabling medical condition that requires a nursing home level of care; and need care coordination and access to VA services. It can take up to a month to place a veteran in a home once they are found eligible, according to VA.

The veterans also must be able to cover their costs. Because medical foster homes are not considered institutional care, VA is not allowed to pay for it directly. The average monthly fee, according to VA, is $2,300, which most veterans cover with their VA compensation, Social Security and savings, said Nicole Trimble, Medical Foster Home coordinator at the Perry Point VA Medical Center in Maryland.

Pilot program takes off

Since 1999, the Department of Veterans Affairs has been required to provide nursing home services to veterans who qualify for VA health care and have a service-connected disability rating of 70 percent or higher, or are considered unemployable and have a disability rating of 60 percent or higher.

VA provides this care through short- or long-term nursing home facilities, respite care, community living centers on VA hospital grounds, private assisted living facilities and state veterans homes.

Shortly after, the VA Medical Center in Little Rock launched an alternative — a pilot program that placed veterans in individual homes, at an average cost to VA of about $60 a day, including administration and health-care expenses, compared with upward of $500 a day for nursing home care.

And because veterans who are enrolled in the Medical Foster Care program must use VA’s Home Based Primary Care program, which provides an interdisciplinary team of health professionals for in-home medical treatment, the program saves VA even more. One studyshowed that the home-based care has yielded a 59 percent drop in VA hospital inpatient days and a 31 percent reduction in admissions among those who participate.

More than 120 VA medical centers now oversee a Medical Foster Home program in their regions, and VA has actively promoted the program within its health system.

It also has attracted bipartisan congressional support. In 2013, Sen. Bernie Sanders (I-Vt.) introduced a bill to allow VA to pay for medical foster homes directly.

In 2015, former House Veterans’ Affairs Committee chairman Rep. Jeff Miller (R-Fla.) introduced similar legislation that would have allowed VA to pay for up to 900 veterans under the program.

And this month , Rep. Clay Higgins (R-La.) raised the issue again, sponsoring a bill similar to Miller’s. “Allowing veterans to exercise greater flexibility over their benefits ensures that their individual needs are best met,” Higgins said in support of the program.

A guardian ‘angel’

Foster care has been a blessing for the family of Hundt, who suffered a stroke shortly after his wife died and was unable to care for himself. Hundt’s daughter, Kimberly Malczewski, lives nearby and often stops in to visit her dad, sometimes with her 2-year-old son.

“I’m not sure where my father would be if he didn’t have this,” she said. “With my life situation — my husband and I both work full time, we have no extra room in our house, and we have a small child — I can’t take care of him the way Miss Joann does.”

Trimble, whose program started in 2012 and has five homes, said she hopes to expand by two to three homes a year. VA will remain meticulous about selecting homes.

“There is a strict inspection and vetting process to be a medical foster home,” Trimble said. “We only will accept the best.”

It also takes a special person to be an “angel,” as the caregivers are referred to in the program’s motto, “Where Heroes Meet Angels.”

Stepney and Hundt agree West has earned her wings. On a recent cruise to Bermuda, she brought Stepney and Hundt along.

For Hundt, it was the first time he’d been on a boat. And Stepney said it was nothing like the transport ships he and his fellow troops used in the late 1960s: “Well, I’ve gotten to travel, but it was mainly two years in Vietnam, and there weren’t any women around.”

When asked why she brought the pair along, West said caregiving is “a ministry, something you really have to like to do.”

“And you know how the saying goes,” she said. “When you like what you do, you never work a day in your life.”

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