Saturday, December 19, 2020

Attorney General James Sues Long Island Nursing Home for Years of Fraud and Resident Neglect New York State Attorney General

But, there can be some disadvantages to aging in place, especially for seniors living with chronic health conditions, acute injuries or illness, reduced mobility, and other ailments. For people in these situations, it can be hard to decide whether to age in place and risk their health or safety, or give up their independence to live in a community where assistance will be available. In total, the respondents transferred over $42.4 million to its owners and related parties from 2016 to 2021.

reddit home care

A home care aide providing companion care may simply spend time with the client and engage with them, read to them, participate in the client’s hobbies such as board games or walking, or provide supervision. An elder companion may also provide transportation services and assist in medication management. Though typically companion care aides are not certified to administer medications or otherwise provide any type of medical care. Home care can be essential for seniors who find themselves in this challenging situation.

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There are also planning strategies, such as Miller Trusts, Medicaid asset protection trusts, irrevocable funeral trusts and annuities, that can be implemented in order for one to meet the financial eligibility criteria. Professional Medicaid planners can be of great assistance in this situation. With regular state Medicaid, also called original Medicaid and classic Medicaid, the federal government requires that states make home health benefits available to those in need. Personal care assistance (help with bathing, dressing, eating and other non-medical care) in the home, which is not federally mandated, is also offered by many states’ regular Medicaid plans. In-home care services may be available via one’s regular state Medicaid plan, but may also be offered through Home and Community Based Services Medicaid waivers or Section 1115 demonstration waivers.

Many seniors and their families choose home care as a way for the senior to remain in their own home as their needs and abilities change, rather than moving to a residential care community. Home care, combined with any necessary home modifications or assistive technology, can enable seniors to live out their Golden Years in the comfort of their own homes. Family caregivers may also seek home care services as a respite to make caregiving more manageable.

Comprehensive Care for Your Loved Ones

Even if you pay out-of-pocket or with long-term care insurance, you may eventually "spend down" your assets while you’re at the nursing home, so it’s good to know if the nursing home you chose will accept Medicaid. No, home care and home health care are not the same thing. Home care refers to personal care assistance, which includes help with the activities of daily living, transportation, and companion care. Home health care involves medical care including first-aid, medication administration, and therapy services. For those with the resources to do so, private pay is always an option.

reddit home care

Testimony from numerous staff and family members of residents describe bleak conditions at the facility. Family members of residents often observed that the facility was unclean and that critical care equipment, such as wheelchairs, beds, shower chairs, and air conditioners, were broken. Residents were routinely left sitting in soiled briefs and were not bathed for long periods of time. Cold Spring Hills repeatedly failed to provide proper wound care and prevention for residents, causing wounds to develop and existing wounds to deteriorate, leading to infections. Residents and their families cited numerous other deficiencies in services, including failure to provide safe and adequate nutrition, medication, and sanitation. Reddit's SkincareAddition is an endless source of skin-care advice, product recommendations, and even the occasional drama.

Available Home Care Services

Some policies, referred to as hybrid life insurance, are designed to cover long-term care, though the specifics of what care is covered will vary. For example, in Louisiana, in-home care costs an average of $3,623, potentially saving residents over $1,000 a month compared to the national average. However, in Washington, the price for the same services average $6,547 a month. Companion care services are also a good option for those in the early stages of memory impairment who do not yet need much assistance, but who may not be able to be left alone.

reddit home care

I would just take a Claritin the days you know you have clients with cats, and just make sure you wash your hands really well after touching anything in the house the cats may have touched. Basically you have to be dedicated to doing a good job because you care, and not just because your boss is watching you, because they aren't. In not sure it would be that different as a nurse in home either. I'm shadowing tomorrow for a half day, but I know I won't get the whole picture. I understand that there is a LOT of charting that is usually done at home. I'll probably be working in rougher areas of the city, but they will all be within 10 miles of my house, which is good for me.

Some seniors included in this list, such as those in need of therapy services, would be a good fit for home health care rather than home care. Due to years of fraud, financial abuse, and unnecessary staffing cuts before the COVID-19 pandemic, Cold Springs Hills residents needlessly suffered during the pandemic. In February 2020, the principal owner orchestrated a plan to cut $1.6 million in expenses by reducing staff. He made these budget cuts despite the Department of Health notifying Cold Spring Hills on February 6, 2020 that all nursing homes must prepare for the coming pandemic. The facility was dangerously understaffed before the pandemic and during the height of the pandemic. Cold Spring Hills’ staff confirmed that insufficient staffing was a problem at the facility before the pandemic, and that it continued into 2022.

Depending on the client’s needs, they may receive assistance from a home care aide anywhere from one hour a week to 24-hours a day. The amount Medicaid will pay towards in-home care varies based on the state and the Medicaid program in which one is enrolled. Some programs may cover the cost of a personal care assistant several hours a day / several days a week, adult day care a few days per week, or respite care a couple of times per month. According to Genworth Financial’s Cost of Care Survey, the average cost of in-home care in the United States is $4,957 a month.

Some of our care services include:

This means that Medicaid recipients can hire the person of their choosing, including friends and relatives. To find out if your state has a program that allows for self-directed care, contact the Medicaid agency in your state. One of the biggest decisions you’ll have to make is whether to work with a home care agency or an independent provider. But after factoring in liability insurance (which agencies should already have and will be built-in to the hourly cost) and taxes, the difference in cost is often negligible. The other advantage of working with an agency is that you’ll likely have more caregivers to choose from. And if one aide doesn’t work out, you can request another.

Those in need of companion care services oftentimes live alone and feel isolated in their day-to-day lives. Home care is non-medical caregiving and assistance provided in the client’s home. Care may include assistance with activities of daily living such as bathing, transferring, and meal preparation; transportation; companionship; and more.

Friday, December 18, 2020

Set up your HomePod, HomePod mini, Apple TV, or iPad as a home hub

ID4me is an internet service that enables its users to log in to many different internet services with one account. This is also known as "single sign on". If you have guests over, you shouldn't give them access to this network. Doing so will allow them to connect their Google account to your Google Home speaker. Instead, configure a guest network on your router.

Generally, open the Internet settings in your phone and tap the Wi-Fi network you're planning to use with the Google Mini, then enter the password to connect. Once it's plugged in, you'll see a pulsing white light on the top of the device. Follow the onscreen instructions to choose your settings. You can alsomanage HomePod settings in the Home appafter setup. The first screen of the app should automatically detect the Home Mini. (If it doesn't, tap the Device button in the top right and then tap the Add New Device button to get instructions on how to find the device.) Tap Set Up.

Go for red, greens and whites

To create a scene on your HomePod mini, open the Home app and tap Automation. Tap the + sign in the top right corner of the screen and select Add Scene. Next, Google will ask you if you want to set up other settings, including music and radio services, film and TV shows and friends and family calling . You can configure any option you want now, say setting Spotify as your default music service, or you can skip and set up these options later. Once finished, your speaker is ready to go and you can start to control your smart devices and ask general questions. You can also use the smart speaker to make voice calls.

how to set up home mini

You’ll be asked where your device is. You can choose from pre-select locations such as Bedroom, garage, living room, backyard, backdoor etc. Your phone will start connecting to the Google Home mini WiFi.

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The best part is that it's pretty cheap and is compatible with a lot of other smart home devices on the market. Now that everything is working, try giving the Home Mini a command by saying “Ok Google” or “Hey Google” followed by a query. Remember that you can also change the speaker’s volume by either requesting it does so with a voice command or by tapping on either side of the unit itself. If a network mismatch alert doesn't appear,reset HomePod. Then, make sure your iPhone or iPad is connected to the Wi-Fi network you want your HomePod to connect to, and set up HomePod again.

Download the Google Home app from the Apple App Store or Google Play Store and open the app. Make sure your mobile device is connected to the same Wi-Fi network you'll use for your Google Home Mini or Google Nest Mini. Add Google Home Speaker as you were adding new device, by following the steps. Once you installed the app, open the Google Home app. / © NextPitGoogle Home should ideally be connected to the same Wi-Fi as your other smart home and Google Cast devices. This eases the transfer of streams when you say, for example, 'play Michael Jackson in the living room'.

If you don't see the setup screen

Every user can connect their own streaming services with Google Assistant. Other users will not be able to access these services. From here you’ll need to find your bulb maker’s logo and follow the steps to complete the setup.

Invite people to control your home in the Home app. Review the information you've entered and optionally put in a payment method if you want to use Google Home Mini to make purchases. Enter your address if you want to get customized local data for traffic, weather, and other services. Here's how to set up the Google Home Mini with step-by-step instructions.

Set up iPad as a home hub

With this turned on, each Google speaker in your home can deliver personalised responses, such as events from your calendar. Tap Next and I Agree and then follow the wizard through to complete the installation. White pulsing light shows on the top of the HomePod mini when the smart speaker is playing audio. Apple's HomePod mini is a great way to control all of your smart devices in your home and much more. The sound quality is top-notch, and you can use Siri to ask questions, set timers and alarms, check the news, and more. If you have Apple HomeKit-enabled smart home devices, you can use your HomePod mini to control them.

how to set up home mini

The Google Home app will walk you through the steps to set up your Google Nest or Home speaker or display. When the Blink servers are ready, the Camera Added screen is shown. Tap Done to complete the setup and return to the app home screen. Choosing a location will help keep your devices organized, if you have multiple connected to the Google Home app.

With music, you can link YouTube Music, Spotify, Apple Music, Pandora or Deezer. With radio services, you can link SiriusXM. When you first power on the Google Home mini speaker, you will be greeted with a welcome message “Welcome to Google Home. To get started, download the Google Home app on your phone or tablet”. Follow these prompts and your HomePod will automatically connect to the same network from your mobile device. You can choose your language and connect additional speakers.

how to set up home mini

For the Nest Mini switch the mic off using the switch on the side. Then press and hold the centre of the speaker, where the lights are. Wait for 10 seconds until a sound confirms the reset procedure is going ahead. It will take up to a minute for the speaker to reset and reboot. First, a quick note about the differences. Both have the same features and the set-up routine is the same in both cases.

This can be a pretty decent addition to your Smart Home experience as a main point of interaction with your appliances. Imagine controlling your home functions by yelling at a tiny little speaker. If you want to add the Mini to a new system, give your system a name in the text entry field, and it will be created.

how to set up home mini

Lastly, delete the glitchy Lock Screen and add a new one using the same wallpaper. Source (Click/tap to view)Users can contact Apple Support about this issue by clicking here. New updates are being added at the bottom of this story……. Click hereif you receive an error "Unable to Connect to Sync Module" when adding cameras to a system. Confirm which Google account you want to link, and tap "OK." Most of the speakers are coming now with inbuilt battery, but this speaker doesn’t have battery inbuilt, this is one of disadvantage if you buy this speaker.

How to Choose Between a Gaming Laptop vs a Gaming Desktop

Once your HomePod is paired with your iPhone or iPad, it's time to customize settings and preferences for your device. Simply follow the prompts and instructions on your mobile device to finish setting up your HomePod. The lights on your HomePod will change and your iPhone or iPad will prompt you to use the camera to scan the animation that appears on the HomePod's top display. When the HomePod powers up a white light will start pulsing on the display at the top.

Apple allows you to set up your HomePod both automatically and manually. While the automatic setup should be the preferred choice, the manual method comes in handy when the setup animation doesn’t appear. This article was co-authored by wikiHow staff writer, Darlene Antonelli, MA. Darlene Antonelli is a Technology Writer and Editor for wikiHow. Darlene has experience teaching college courses, writing technology-related articles, and working hands-on in the technology field. She earned an MA in Writing from Rowan University in 2012 and wrote her thesis on online communities and the personalities curated in such communities. This article has been viewed 21,252 times.

How to Set Up a Google Nest Mini or Home Mini

If the setup screen doesn't appear, try locking your device and unlocking it again. That said, another user suggested that iOS 16.2 update will bring the fix to the issue. This update is expected to arrive in the next few days for everyone, although ‘public beta’ testers already have access to it. You can then set up the Google Home Mini to recognize your voice through Voice Match.

how to set up home mini

Here, touch and hold on the HomePod icon. A red spinning light appears on the top of the HomePod when you are resetting the smart speaker. However, currently, some iPhone users are reporting an issue where the wallpaper turns black or disappears for them . Everyone sharing the same Wi-Fi network can find the Google Home loudspeaker through the Google Home app, and connect with their Google account. Google Home recognizes the user based on their voice.

Connect to Google Home Mini using Bluetooth

For a limited time, you can play Google Assistant in John Legend's voice. PiunikaWeb started as purely an investigative tech journalism website with main focus on ‘breaking’ or ‘exclusive’ news. In no time, our stories got picked up by the likes of Forbes, Foxnews, Gizmodo, TechCrunch, Engadget, The Verge, Macrumors, and many others.

You’ll be asked where your device is. You can choose from pre-select locations such as Bedroom, garage, living room, backyard, backdoor etc. Your phone will start connecting to the Google Home mini WiFi.

Safaricom 5G Network Is Officially Live In Kenya: All You Need to Know

So you've bought Google Home or Home Mini and you now want to install it? We'll guide you through the setup, and we'll also show you how to reset the system, change the Wi-Fi and create multiple accounts. When using “Works with Google Assistant”smart bulbs, you’ll need to set up your lights with the bulb maker’s standard instructions. You may need to set up a bridge or a hub if you haven’t already. You’ll then be prompted to connect the speaker to your Wi-Fi network. Once you select your network from the list, tap Next and then enter its password, then tap Connect.

how to set up home mini

ID4me will make sure that the surfing habits stay secret. Make sure your Wi-Fi signal is good enough while setting up your Google Home . It's possible that you will need to strengthen your Wi-Fi. Consider setting up a guest Wi-Fi network, if you know your main network contains confidential data.

Update 7 (December 2,

Follow the on-screen instructions to finish setting up your device. In this guide, we'll show you how to get started with your new HomePod mini, so you can start enjoying all its features. If you've just bought one, here are the steps for how to set up your Google Nest Mini.

how to set up home mini

These instructions are also applicable to the first-generation Google Home Mini if that's what you have on hand. Use the Home app to manage and securely control your accessorieson your iPhone, iPad, or Mac. To use your iPad as a home hub, it must remain in your home, powered on, andconnected to your home Wi-Fi network. Women can opt to wear a Christmas theme sweater and top. Unlike other festivals, Christmas brings in theme designs on apparel which one can don stylishly with leather pants to a family gathering. Furthermore, this problem began with iOS 16.1 and continues even with the newer iOS 16.1.1, as reported by several users .

Fortunately, it's pretty straightforward. After restarting the iPhone, the correct wallpaper is displayed, however, the next time the phone goes to sleep, it displays a black background. If the device has been used before, factory reset your speaker or display before you continue. If you want to set up a different device, you can find the instructions in Set up smart devices in the Google Home app.

how to set up home mini

Google Home mini setup completeThe Google Home Mini comes with 14 days of Ad-free YouTube called YouTube Premium. You can also setup music, radio, podcasts, movies and shows. This way you can instruct the speaker to simply play your music or movie on the big screen.

The best part is that it's pretty cheap and is compatible with a lot of other smart home devices on the market. Now that everything is working, try giving the Home Mini a command by saying “Ok Google” or “Hey Google” followed by a query. Remember that you can also change the speaker’s volume by either requesting it does so with a voice command or by tapping on either side of the unit itself. If a network mismatch alert doesn't appear,reset HomePod. Then, make sure your iPhone or iPad is connected to the Wi-Fi network you want your HomePod to connect to, and set up HomePod again.

When asked, center HomePod mini or HomePod in the viewfinder on your iPhone or iPad. If you can't use your camera, tap Enter Passcode Manually and Siri will respond with a four-digit passcode to enter on your device. Google Home Mini lets you select between several voices; you can play samples of each and decide on the one you want.

Thursday, December 17, 2020

The Home Depot Pro Specialty Trades Electrical, HVAC, and Plumbing Supplies Search Results

Introducing a whole new experience built to give you more control over your card and your time. • Opportunities to provide feedback or complete online surveys, so you can tell us what you think. Drop the vowels in a long word (e.g. ‘corporation’ would be crptn). Replace the vowels or other letters in a short phrase with numbers or other characters. Make your User ID and Password different from the Security Word you provided when you applied for your card. The perfect secure password is easy to remember, but difficult for outsiders to guess.

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It's ready-to-use formula spreads easily for fast, professional repairs. Now discover a whole new online account, built to give you more control over your card and your time. A Static Favorites List is created by adding items to your list from Search and/or Browse results, product detail pages, and previous orders and invoices. You can also upload your list using the Excel template provided on the "Favorites List Management" page. Misspell a word, drop some letters, add other characters, or make up crazy words using symbols instead of vowels or consonants. You may cancel through account online or by calling us at the number on the back of your card.

SIGN OFF

The lead-free formula will not turn copper piping green. To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox. I agree to receive my billing statements and other legal notices electronically as available.

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card. This patented technology eliminates the guesswork and reduces the chance of errors.

Cancelling Paperless Statements and E-Communications

That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential. Pre-pay for multiple images and download on demand. Our digital help center is here to help you navigate Home Depot Pro's one-source solutions and get the job done right. Manage your account your way with all the features you enjoyed before—and more.

Includes everything needed to make professional plumbing repair. Solder, water soluble flux, sand cloth and flux brush. A Dynamic Favorites List is automatically created from your purchase history based on the timeframe, ship-to name, and product categories you want included. This list updates each time you open it based on the criteria selected.

Your Session Is About to Time Out

Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email.

In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Aqua Flux is 1 of the very few paste fluxes available that meets ASTM B-813 standards requiring that fluxes be water washable and can be flushed from the piping system to prevent corrosion. For use with 95/5, 60/40, 50/50, 40/60 and other solders. Aqua Flux Soldering Paste cleans copper piping prior to soldering jobs, enhancing solder flow into a joint. The water-washable formula flushes easily to prevent corrosion. Solder Paste is designed for use in joining or sweating copper piping and fittings.

Credit Card Paperless Statements and E-Communications Authorization

The 100% lead-free formula has a petrolatum base for effective cleaning. NSF standard 14 and standard 61 certified for performance and health effects. High-quality tools designed for daily, 8-hour use in demanding applications and environments. The R8 Series are engineered with additional features for improved power, safety and comfort. Jet backs this product with its Red Assurance Lifetime Warranty.

We believe you should be able to choose what kinds of information you receive. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. If you do so, please note that you could continue to receive some marketing information until your request is processed. We can electronically provide you the To get these electronically your device must be capable of printing or storing web pages and/or PDFs and your browser must have 128-bit security. If you want to request a paper copy of these disclosures you can call The Home Depot® Consumer Credit Card at and we will mail them to you at no charge.

Customer Credit Available

Oatey No. 5 Paste Flux is a petrolatum-based flux designed to provide superior wetting properties for better solder flow. It can be used with most soft solders, 100% lead-free and safe for use on potable water applications. No. 5 Paste Flux's formula prevents copper piping turning green and is excellent for large diameter copper pipe applications. Oatey products have earned the trust of plumbing professional for over 100 years. We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements.

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Keep these tips in mind when creating your User ID and Password.

I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. Water-Soluble Lead-Free Tinning Flux is designed for use in joining or sweating copper pipe and fittings.

Types of Soldering and Flux How To Videos and Tips at The Home Depot

Introducing a whole new experience built to give you more control over your card and your time. • Opportunities to provide feedback or complete online surveys, so you can tell us what you think. Drop the vowels in a long word (e.g. ‘corporation’ would be crptn). Replace the vowels or other letters in a short phrase with numbers or other characters. Make your User ID and Password different from the Security Word you provided when you applied for your card. The perfect secure password is easy to remember, but difficult for outsiders to guess.

The lead-free formula will not turn copper piping green. To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox. I agree to receive my billing statements and other legal notices electronically as available.

Enroll in Paperless Statements and Letters

I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. Water-Soluble Lead-Free Tinning Flux is designed for use in joining or sweating copper pipe and fittings.

home depot flux

Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email.

Welcome to Your New Online Account.

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card. This patented technology eliminates the guesswork and reduces the chance of errors.

In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. Aqua Flux is 1 of the very few paste fluxes available that meets ASTM B-813 standards requiring that fluxes be water washable and can be flushed from the piping system to prevent corrosion. For use with 95/5, 60/40, 50/50, 40/60 and other solders. Aqua Flux Soldering Paste cleans copper piping prior to soldering jobs, enhancing solder flow into a joint. The water-washable formula flushes easily to prevent corrosion. Solder Paste is designed for use in joining or sweating copper piping and fittings.

Searched for "FLUX"

It's ready-to-use formula spreads easily for fast, professional repairs. Now discover a whole new online account, built to give you more control over your card and your time. A Static Favorites List is created by adding items to your list from Search and/or Browse results, product detail pages, and previous orders and invoices. You can also upload your list using the Excel template provided on the "Favorites List Management" page. Misspell a word, drop some letters, add other characters, or make up crazy words using symbols instead of vowels or consonants. You may cancel through account online or by calling us at the number on the back of your card.

home depot flux

That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential. Pre-pay for multiple images and download on demand. Our digital help center is here to help you navigate Home Depot Pro's one-source solutions and get the job done right. Manage your account your way with all the features you enjoyed before—and more.

Your Session Is About to Time Out

Includes everything needed to make professional plumbing repair. Solder, water soluble flux, sand cloth and flux brush. A Dynamic Favorites List is automatically created from your purchase history based on the timeframe, ship-to name, and product categories you want included. This list updates each time you open it based on the criteria selected.

home depot flux

The 100% lead-free formula has a petrolatum base for effective cleaning. NSF standard 14 and standard 61 certified for performance and health effects. High-quality tools designed for daily, 8-hour use in demanding applications and environments. The R8 Series are engineered with additional features for improved power, safety and comfort. Jet backs this product with its Red Assurance Lifetime Warranty.

Important Note:

Keep these tips in mind when creating your User ID and Password.

home depot flux

We believe you should be able to choose what kinds of information you receive. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. If you do so, please note that you could continue to receive some marketing information until your request is processed. We can electronically provide you the To get these electronically your device must be capable of printing or storing web pages and/or PDFs and your browser must have 128-bit security. If you want to request a paper copy of these disclosures you can call The Home Depot® Consumer Credit Card at and we will mail them to you at no charge.

Wednesday, December 16, 2020

Considerations Before Buying a Home Overseas

Kat Kalashian has grown up around the world, living in the United States, Ireland, France, and Panama, and has traveled extensively in her few years. Growing up as a young expat she is familiar with the trials and tribulations of an overseas move and the adjustments that must be made in every new destination. Living and learning through experience, she now considers no one place home and feels more comfortable in new environs than in familiar ones. If you plan to do anything with the property, such as convert it into a rental property, it’s imperative that you understand the local zoning rules. Zoning refers to the laws that govern how property can be used in certain areas and the type of operations allowed on the site.

buying a home overseas

Since the financial crisis, it’s been harder to borrow in other countries but it’s still possible, with Spain and France being among the easiest. Panama is another location popular with foreign buyers due to its warm climate and low cost of living. Foreign buyers are welcome, but there are restrictions on beachfront and island property and along Panama’s borders. A home equity loan allows you to borrow a lump sum against the equity in a property you own.

#6: Carrying Costs

And depending on how much time you spent in your foreign home, you could qualify for some tax exclusions from the IRS. But while buying a home overseas might come with bragging rights, it also comes with tax obligations. This blog post covers some of the most common questions we get from our Bright! For different reasons, many Americans dream of buying a home overseas. On the other hand, just as in the States, each country is subject to different economic factors—probably even more so than states would differ.

buying a home overseas

Alamy/Sean PavoneProperty markets in Portugal have been on the move since 2015. Whether you’re contemplating a first purchase overseas or looking to expand current foreign property holdings, here’s where you should focus your attention and your capital this year. If you don’t know what a particular country’s rules are, you can always contact a real estate attorney who knows how to execute foreign transactions. After all, you don’t want to find out that you can’t legally own a home abroad after you’ve already moved in. You should never sign a document you don’t understand so contracts should always be translated into English if you’re not fluent in the local language and legal terms. Your lawyer should check that any translation provided is an accurate interpretation of the original document or use a professional translation service with expertise in translating legal documents.

Have any more questions about buying or selling property overseas?

The realtor.com® editorial team highlights a curated selection of product recommendations for your consideration; clicking a link to the retailer that sells the product may earn us a commission. Buying a property abroad could be one of the best things you ever do – just make sure you buy with your head and not your heart to make that dream purchase a reality. They will check for any disputes and make sure the property is legally built and has the necessary planning permission.

buying a home overseas

The second approach is to have the inspection done before contacting the seller with an offer. This strategy can help increase your confidence, especially if you are working with a timeline or tight budget. After viewing the condition of the house, the offer you make will be closer to the true value of the property. The offer will also be more appealing to the seller because it won’t have a home inspection contingency. When the property agent comes up with their list of potential houses you could purchase based on your criteria, you can organise inspections with the seller.

The Impact of Brexit and the EU Property Market

As it’s legally binding, you should check it with your lawyer before you sign. It’s close to the U.S. and a popular tourist destination, which means renting out your property shouldn’t be an issue. Keep in mind that if you want property on the coast, you’ll need to buy it through a trust.

buying a home overseas

She was recommended to me by a friend who had a wonderful experience with her as well! For your first step,The Philadelphia Inquirerrecommends hiring a property lawyer in the country where you want to buy, as well as having a lawyer stateside to advise you. Military families regularly PCS with their pets, which includes moving overseas, or OCONUS. The process is stressful for humans and animals, but there is good news.

For service members to receive OHA, i.e. get “their housing allowance turned on,” the installation’s Housing Office reviews AND approves, or denies, all off-base rental contracts. A service member cannot receive OHA without stamped approval from the installation’s Housing Office. $500,000 of capital gains on real estate if you’re married and filing jointly. Cultural differences are also worth noting, as in many countries, the notion of “fixing and flipping” a home in a highly appreciating market may not be a viable profit strategy. Many cultures see buying a home as a very permanent action, and once they buy will hold the home for the remainder of their lives and pass the home down to further generations.

Occasionally, buyers using cash may earn discounts, upgrades, and more when they pay. Any time you invest in a physical asset outside your home country, you face political risk. Alternatively known as geopolitical risk, it’s essentially the potential loss of property, income, or assets as a result of changes within a country. So, if you’re property is located in an unstable nation, you risk the possibility of damages or loss. You’ll also find it difficult to purchase property in Greece or Mexico.

In 2021, we recommend focusing on the lesser-visited areas along the country’s Algarve coast and the Porto region north of Lisbon. In 2018 and 2019, pre-pandemic, Bangkok was the number-one visited city in the world, receiving more visitors than London or Paris. The tourism industry in Thailand suffered during the pandemic but is slowly recovering… This is your chance to get in on the dip in Bangkok, before it makes its comeback when all those tourists return. Alamy/Sean PavoneWe like Thailand for agriculture primarily but think this country deserves attention for its strong economy and expanding tourism industry, as well. Investing pre-construction in an apartment intended for the business traveler market is one of the best available opportunities.

A notable difference, however, is that OHA is assigned a “cap” and any OHA amount not used is not kept. You do not “pocket” the difference; your unused OHA portion is simply not paid or received as an allotment. For example, let’s say you have $6,000 in a Chinese bank account and another $6,000 in a French bank account.

If you plan on renting out your foreign home, we recommend hiring the right team of CPAs that fully understand US expat taxes and your IRS obligations. The team of accountants will handle all the filing for you, so you can start renting out your foreign home and have complete peace of mind. Each summer, Janet took a trip to Kerry to check on her rental property and to meet with her rental manager. During the visit, she stayed in one of the two houses she’d built, her second home in Ireland. Wagner also recommends looking for a lender that does business in both countries.

The best idea might be buying the home in a great tourist location, using it part-time for your own pleasure and renting it for profit when you aren’t using it, she says. You can also source leads from the national real estate association in your chosen country. If not, try getting a referral from an agent in your home country. We were first-time home buyers, and she was very patient and helpful with all our questions! If it can be argued, even marginally, that the requirements for taxation Residency Tests are met, income normally shielded via SOFA can be pursued to foreign income taxation. Ensure that you determine what taxes you will be responsible for, and when, in realizing any profits, before you buy.

Options for Transporting Your Pet Overseas

Dual citizenship may also provide favorable tax structures and savings. However, it’s important to note that some countries prevent non-citizens from owning land at all, while others have restrictions for non-citizens only on high-demand areas like coastlines. If your target country does allow you to move forward, you may be required to obtain special residence permits or register with a government agency before proceeding with the transaction.

buying a home overseas

It makes affording a second home more of a possibility for you and your family. Basically I want to know if owning an overseas property provides any benefit at all when I apply for a loan to buy a property here in Australia. If you are not a resident of Australia, you must be approved by the Foreign Investment Review Board to buy a property. Failure to do so can result in a fine of up to AUD 125,000, up to 3 years imprisonment or both.

Buying an overseas property: the complete guide

We've got thousands of properties for sale all over the world including many of the most popular destinations in Spain, France, Cyprus, Italy, Portugal and many more. For many, buying a home overseas may seem like a dream come true and a major milestone to aim for in life. However, it doesn’t mean that you should forget about your tax obligations.

buying a home overseas

You should also take out contents insurance and will need public liability insurance if you want to let your property to holidaymakers. It’s possible to get an interest-only mortgage in France but you’ll need to have assets worth the same amount as your loan. Through Conti, you can currently get a variable-rate mortgage in France at 2.05% to 2.3% and fixed rates from around 2.35% to 2.8% – you’ll usually pay a higher rate for a longer term.

New developments due for completion globally

Your experience will vary based on the country you’re interested in, though. That’s why it’s so important to work with a reputable real estate agent in any country. They can help you navigate the landscape and handle negotiations. Researching the background of anyone you work with will help you avoid false identities or promises, but not completely.

If you are buying a new build, they will also check that the completed property has everything the developer promised, as well as the correct habitation licences which can affect your access to utilities. You can find a mortgage broker specialising in overseas lending at Unbiased.co.uk. You also won’t be able to borrow as much of the property’s value as in the UK, where you can get a loan for up to 95%. You’ll need at least a 30% deposit to buy in Spain, 15% in France and 20% in Portugal.

Does Your Credit Score Matter When Renting a Home?

There are any number of reasons why you might be considering buying property abroad. Maybe you fell in love with the local area while on vacation, or you’ve always envisioned yourself living the sunny island life with your feet in the sand after retirement. While owning a home is an essential part of the American dream, buying property abroad seems more like an unattainable fantasy.

buying a home overseas

For this reason, the condo market is where most foreign investors focus their attention. A condo is also cheaper and easier to manage as a rental than an individual property. A furnished rental for either of these markets—the business traveler or the holiday-goer—can be an excellent source of cash flow and, if you buy right, should enjoy good capital appreciation. The second big opportunity for making money from real estate in Panama in 2021 is productive land. Individual investors can participate in organic plantations for turnkey agro-profits.

Guides to buying property abroad

One advantage of taking out a mortgage is that the lender will do checks on the property to make sure it offers good enough security for the loan, giving you extra protection. And if you rent out the property, you’ll be earning money in the same currency as you need to pay your mortgage in, making you less vulnerable to exchange rate fluctuations. Costa Rica offers a relatively low cost of living, and foreigners, for the most part, have the same rights when buying property as locals. Beachfront property is more difficult to directly own if you’re a foreigner.

buying a home overseas

That was behind brand-name cities like Paris, London, New York, and Tokyo… but ahead of other major cities, including Berlin, Barcelona, Rome, and Los Angeles. Alamy/Elena ElisseevaMexico remains a top destination among Canadians and Americans for both tourism and retirement. Thanks to restricted travel and an expanding middle class, Mexico is enjoying good growth in the local tourism market in 2021.

Panama City, where resale transactions have slowed, is and will continue to be a buyer’s market through 2021. If you don’t want to deal with financing an overseas home, you could consider using cash to pay for it. You could use a home equity line of credit as your source of cash. But then you’d be putting your primary residence on the line if you can’t make the payments. If you’re not buying the property with a mortgage, you should arrange your own valuation with someone based outside the local area as well as a structural survey.

buying a home overseas

If you need fast cash, you could also consider tapping into your self-directed IRA. So unless you’re satisfied with using the house you’re buying abroad as an investment property, you’ll probably have to look into other options. As well as A Place in the Sun, property websites such as Rightmove, Zoopla and PrimeLocation all advertise overseas homes for sale by estate agents around the world. You can find higher-end property for sale on the websites of global estate agents such as Knight Frank and Savills. There are also property shows, such as A Place in the Sun Live, where developers and other exhibitors promote and sell their overseas homes. Once you’ve secured professional assistance, they can guide you through the local real estate landscape.

The 2-Step Guide To Finding And Buying Real Estate Abroad

Equity is the difference between the value of your home and the balance of your mortgage. You can use the funds for any purpose, which could include buying property overseas. Investing in the country you are in means investing all your money behind your currency. If you invest abroad, you’re going to gain benefits from the currency in that country, too. Your investment is no longer dependent on just one currency, so it’s the same as diversifying in the same way you have your investments. More a less, overseas properties can be used to mitigate an exit strategy if you’re an older applicant.

If you do a quick search online for real estate available in your area of interest, it will result in contact details for numerous estate agents. Understandably, the temptation to pick up the phone and call or email these people can be high. Assuming you already have a preferred location in mind – whether you want to move country, state or city – for buying a house abroad, we recommend following these steps. Not only did we get eight offers in just 24 hours, we got an all cash offer above our asking price.

What You Should Know Before Buying a Home Overseas

Without the constant flurry of home buyers, there is limited upward market pressure to raise prices, and it may take quite some time for a foreign property to build equity through market appreciation. Investigate and prepare for different Seller and Buyer commissions and fees. In the U.S., real estate commissions are typically split between the Seller and Buyer, but that is not the case in every country. In some countries, the entirety of the real estate commission falls to the Buyer... You will also most likely need to budget for a translator, as most documents will be generated in the host nation’s official language, whether you are fluent in the language or not. Mortgages are often only extended for up to percent of the purchase price, meaning borrowers must have a significant down payment available.

buying a home overseas

There is currently no evidence of Brexit affecting the availability of overseas mortgages for Brits. If you go this route, be sure to vet anyone you’re working with. By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan. If you pull up to a gorgeous condominium development and there are only old rusty vehicles there, then you won’t want to purchase a property there.

In an overseas assignment, the U.S. has negotiated Statute of Forces Agreements with each foreign country U.S. service members are stationed in. SOFA establishes a number of policies, but one in particular is the exclusion of service members, and DoD civilian income, to foreign taxation while the member is on orders to an overseas assignment. If you PCS and keep your foreign home as a rental, you will now have Foreign Rental Income, which, at a minimum, must be reported to both U.S. and Foreign Taxation Offices. This means that you will be required to file a tax return with both the foreign government as well as declaring the income to the IRS.

buying a home overseas

Whether you’re buying or refinancing a home, learn five steps that will help you learn how to choose the best mortgage lender for you. There’s more to buying a house overseas than just purchasing the property. Most people buy a home overseas in the pursuit of sunshine and “the dream”. They buy a second house by the ocean in a far-flung destination, and the reason for looking abroad is because homes in the sun are far cheaper than those at home.

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