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pauleckler: The independent living stage is usually great. Some people keep their cars and even go on vacation. But the real question is how do they do with those who end up in skilled nursing care. Do the numbers work as expected?

Why wouldn't anyone continue to go on vacations? Must admit, the ones we have seen are like living in a resort 365 days a year.

The one we are considering requires a "medium" (Note to self: Define "medium". $300K? We have seen higher.) down payment. Some of this goes into a remodel/upgrade of the apartment, which can vary - if you want some expensive marble entrance, for instance. Some is refundable and/or goes to your estate. The LTC seems otiose. The facility handles "regular" assisted living, "memory care" - read ALZ or senility if needed, and skilled nursing (There is a charge for these last two.) A true CCRC will offer all of these. CA has laws regulating CCRC's. Texas or Alabama may not, or may have different laws.

The Countess is happily planning on next Thanksgiving dinner in the Old Folks Home.

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