Trinity Elder Law - May 2020

How to Navigate the

D epending on your wants and needs, buying a home in a 55-plus community might be a financially savvy way to set yourself up for retirement. But is it the right decision for you? Here are a few financial pros and cons associated with moving into one of these neighborhoods. Pro: The homes are in excellent condition. Oftentimes, 55-plus communities provide maintenance services, including housekeeping and landscaping. Also, it’s likely that only a handful of people have occupied the home since it was built, so buying in a 55-plus community means you’ll get a property in excellent condition with less wear and tear. Con: You’ll have to pay a monthly fee. Unfortunately, all the great stuff doesn’t come free. Usually, you’ll have to pay an extra monthly bill, similar to a homeowners association fee, to live in a 55-plus community. Some communities include all maintenance and amenities in the monthly rent or mortgage (some even cover utility bills), but make sure you understand what is and isn’t covered before you sign a contract! Pro: Amenities are included. Most 55-plus communities include amenities like exercise classes and educational programs for their residents. They also invite community organizations and leaders to speak about local issues or upcoming elections. Some even have a clubhouse or dining hall for social gatherings. Save money by taking advantage of these programs instead of paying for a gym membership or a course at the local community college. Con: It’s a limited buyer’s and renter’s market. Most people who buy in a 55-plus community plan to retire there. If this is your original intention but your plans change down the road, you might have a harder time selling your home here than you would in a community that is open to people of all ages. Make sure to budget for those potential holding costs and plan accordingly. Regardless of where you decide to buy, be sure to consult an experienced real estate agent and a financial planner. Here’s to living out your golden years in comfort and convenience! The Pros and Cons of Buying a Home in a 55-Plus Community

SPOT FAKE WEBPAGES

The internet is a fascinating place, and in many ways, it’s like the dense wildlife of the Northwest. You can discover and learn some fantastic things, but if you’re not careful, then you could unknowingly find yourself in a dangerous situation. This is especially true of webpages that are scams on the internet. So to better navigate the wild side of the internet, here are a few things to watch out for. Look at the URL The address bar of any website holds critical information about where you are and how secure the site is. Like moss on a tree, this section could be the first sign you’re headed south. On a webpage, an attacker can control five key areas. The favicon is the name and tab of your browser. The next part is the domain name. Make sure these clearly relate to whatever you searched for. The file path — the extra information past the “.com” — should match as well. Finally, check the website content. If there are several pop-ups or multiple embedded links in the website’s content, then be wary. It could be a sales page or a scam page. Check Security Indicators Make sure whatever website you’re on begins with “https” and not “http.” When the internet was first emerging, it was

Sticky and Sweet Pork ‘Ribs’

Whether you’re celebrating your mom or those who gave the ultimate sacrifice for our country, there’s no better recipe to grill up than these delectable country-style pork ribs.

INGREDIENTS

• 1/2 cup chili oil • 1/3 cup oyster sauce • 1/3 cup toasted sesame oil • 5 lbs boneless pork shoulder, flattened • 3/4 cup brown sugar • 1 tbsp molasses

• 2 heads garlic, cloves separated • 3 thumbs ginger, chopped • 1 cup hoisin sauce • 3/4 cup fish sauce • 2/3 cup honey • 2/3 cup rice wine

DIRECTIONS

1. In a blender, purée garlic, ginger, hoisin sauce, fish sauce, honey, rice wine, chili oil, oyster sauce, and toasted sesame oil until smooth. 2. Reserve and chill 1 1/2 cups for later use. 3. In a bag, add the remaining mixture and pork shoulder. Marinate for at least 8 hours. 4. Using a convection plate on the grill, cook pork until the thickest part reaches an internal temperature of 140–145 F. 5. In a large saucepan, simmer brown sugar, molasses, and reserved marinade for 6–8 minutes. 6. Baste the pork with the brown sugar glaze for 2 minutes before serving.

Inspired by Bon Appétit

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