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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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I see that my original response that said, "That would be a BIG he!! to the NO! was changed,(yes I fixed the word AC doesn't like) but I still like my original answer much better. It's funny how we can use the word heaven on here, but God forbid we use the word he!!. There are just some things that make absolutely no sense.
I would NEVER go into debt for Christmas or any other reason. The debt I have is house and car. Credit cards get paid off each month as do all other bills. Is that wise of frugal? Or both? If a gift can be made I will do so. (I bake for friends and give baked goods as gifts) I also buy throughout the year when I see something that I know so and so would like I buy it then. That way the cost is spread out over the year. (Some gifts for next year will be purchased on sales after this Christmas is over.)
We spend no more than we can afford monthly on a credit card. Always have. My youngest would ask for maybe 3 things but I felt she needed a bigger pile. She played just with the 3 things she asked for.
I never went into debt for Christmas. I used to have a Christmas Club with the bank when I worked. I have cut down a lot over the years. My DH and I never exchanged because we got what we needed thru the year. (I did fill a stocking for him) Since siblings lived in other States, we stopped that exchange. My problem was though, a friend gave me a present so I thought I needed to reciprocate. Then that started the gift giving every year. It did stop and I can't remember why but good thing. The one SIL I enjoyed giving to and her me, we stopped a couple of years back. Both in our 70s and don't need anything. If anything, we r cleaning out. But it was fun.
I used to bake a lot. No more. Everyone gets 1 favorite thing and thats it.
I sort of got forced into retiring two years ago due to the pandemic. I wasn't comfortable with my financial status. It was the first time in almost thirty years I was without a job but received serverance pay for about seven months. I tried working on a case, but I got sexually harassed by a client. I found myself without a case and applied for unemployment. Later, I got hired by another agency and had the client from hades. I started having spikes in my blood pressure and stopped working for that client. I have been at home for a year recuperating from health issues. I signed up for Medicare and hope to get some more of my health issues under control. I finally retired with social security and pension. It is not enough; so, I'm going back to work hopefully before Christmas.
I will cook the dinner, but gifts are going to be minimal. I'm just glad that we are all alive and healthy. That is the greatest gift for me this year. As long as there is Amazon and Collections ETC, I can get some good gifts at great prices. I buy gifts all year long. So, Christmas is no exception. It's not about the materialism, but I respect the spiritual aspect of the season and what it represents.
I've never gone into debt for gifts, nor would I. My kids all seem to be into that minimalist thing now, so I don't have many gifts to buy now. They get a check, and that's it.
Like Grandma I also shop all year round, and hit the after Christmas sales for birthday gifts.. They no longer seem to have Christmas clubs around here, but I use my health insurance reimbursement plan (My company has this) for my Christmas money. It;s not worth going into debt for,,
No, I will not go into debt for buying gifts. No one should ever feel as if they have to live above their means.
People should not feel like they have to keep up with the Joneses to be accepted or that they have to make to make a ‘good’ impression for others.
We don’t need to impress others by being extravagant. We can choose to live according to your own values.
We don’t have to be influenced by what others do. What they do is their business and what we do is our business. We don’t have to care about what other people think about the matter.
Going overboard helps no one. I certainly don’t want anyone to overspend on me and go into debt. I love receiving gifts from the heart. Those are the most special gifts to me.
I cherished the sweaters, hats and scarves that my grandmother lovingly made for me. Or the delicious bread that my neighbor bakes for me.
If people can afford expensive gifts, great! I appreciate those too. But I have never measured a person’s worth or love by what they gave.
No way. We started picking names at Christmas and it takes away from the stress of shopping and spending. It’s fun and better for everyone in the family. Kids still get a present but they are at the age they just get cash. I like the holidays so much better now.
You don't have to do gifts for adults at all really. Since I'm already the rebel of the family, one year I suggested that we have a no-present-for-adults year, and everyone actually agreed. My step mom even thanked me afterwards! And we've done it most years since then. Christmas is so much more genuinely fun for me when you take the stress of buying presents out of it. I think a lot of people actually hate the tradition of gift-giving, but they are too afraid to go against it....
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.
It's funny how we can use the word heaven on here, but God forbid we use the word he!!. There are just some things that make absolutely no sense.
The debt I have is house and car. Credit cards get paid off each month as do all other bills.
Is that wise of frugal? Or both?
If a gift can be made I will do so. (I bake for friends and give baked goods as gifts) I also buy throughout the year when I see something that I know so and so would like I buy it then. That way the cost is spread out over the year. (Some gifts for next year will be purchased on sales after this Christmas is over.)
I used to bake a lot. No more. Everyone gets 1 favorite thing and thats it.
I will cook the dinner, but gifts are going to be minimal. I'm just glad that we are all alive and healthy. That is the greatest gift for me this year. As long as there is Amazon and Collections ETC, I can get some good gifts at great prices. I buy gifts all year long. So, Christmas is no exception. It's not about the materialism, but I respect the spiritual aspect of the season and what it represents.
People should not feel like they have to keep up with the Joneses to be accepted or that they have to make to make a ‘good’ impression for others.
We don’t need to impress others by being extravagant. We can choose to live according to your own values.
We don’t have to be influenced by what others do. What they do is their business and what we do is our business. We don’t have to care about what other people think about the matter.
Going overboard helps no one. I certainly don’t want anyone to overspend on me and go into debt. I love receiving gifts from the heart. Those are the most special gifts to me.
I cherished the sweaters, hats and scarves that my grandmother lovingly made for me. Or the delicious bread that my neighbor bakes for me.
If people can afford expensive gifts, great! I appreciate those too. But I have never measured a person’s worth or love by what they gave.
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