Pea n me, I hear you on the FASFA. The one for private universities is worse, actually was horrible back in 2008 when we first started doing it for DD25.
It was hard for us as even as CPA's to prepare early in January before we even have received all of our tax information. I would say though, try to do it yourself and not hire a company to help you.
Filing FASFA rivals filing income taxes. Once you are done, you will feel so relieved, so try not to procrastinate. Also, you can always amend it, once you have your tactual tax information.
TMM, it is actually neat to have mom in her independent living apartment in a retirement community, it is 5-10 minutes from my house and the same from the office where I work. Mom resisted mightily last year on December 26th when we visited the facility and saw a handful of units. She balked until my brother Tom who lives in NYC said he was going to see the facility whether she went or not. She is 85, and has lived independently as a widow since 1998. But in the last 4-5 years, she had several spinal fractures that spontaneously happened (no fall), and then major oral surgery September 2014 to remove what turned out to be a benign tumor. All took its toll. Mom kept saying last spring that she was not ready to move to the senior community, even though that is where she has talked about living for years. It's a mile or two to our church, etc. It was the cost that worried her, but since she has a good pension from my dad, as well as other assets, I just had to persuade her she would not run out of money, along with the advice of a certified financial planner. As a depression era baby and the daughter of a father who suffered a major disabling injury before she was born, there was not a lot of money during her upbringing on the west bank near New Orleans.
My sister who also lives with a disability took care of her mother-in-law in her home just after she married late in life. The mother-in-law already had Alzheimers when my sister married, so she knows how hard it can be to take care of aging parents. I have to say though I still feel a little guilty that we are not taking care of mom in our home. My sisters-in-law take care of my mother-in-law who is 92 and in the late stages of Alzheimers. We have a big enough house to handle it but mom wants to be independent, and since my husband and I both work, and will for several years at least since our youngest is 20 and still in college, mom would be home alone during the day. Mom is enjoying all the daily activities and eating meals with other residents in her community. It has not been without bumps as she fell and broke her wrist about 6 weeks after she moved in. Luckily other than scrapes and bruises, the fractured wrist was her only injury, and being in the senior living community made getting services to her easier while she recovered. Now she is back going to the fitness center and swimming in the pool there. She also has relaxed about her finances. Selling her house so quickly helped that process.
My siblings and I firmly believe the additional social interaction she enjoys there vs when living alone in her house or if she was living with us is important for keeping her healthy and happy. We like that she is physically active too. She actually joined the fitness center and the pool there months before she agreed to move in. I think that period convinced her it was the right move. Her apartment is lovely and was updated beautifully with granite countertops and new appliances before she moved in. They even paid for the company we hired to pack, unpack and move her in. I worked with her for about a year or so going through things and eventually downsizing on the furniture. My brother in law did a CAD drawing to help us place the furniture she brought in, and most all of her furniture fit since the unit is roomy. My brother even stays with her when he comes down since there are two bedrooms.
As she ages and we see the changes in her judgment and memory, we are glad she moved. It's a lifecare facility so as she needs move services, there are assisted living units, a nursing home, and various levels of memory care. Hopefully she will be able to enjoy all the amenities from her independent living apartment for a long time beforehand. We checked out the place pretty closely from a services standpoint and a financial standpoint. I think they offered mom an extremely good deal for her unit because of timing, since the new CEO had just renegotiated their debt and the new debt covenants required both a certain level of occupancy and a certain number of new units "sold" within a strict timeframe. I guess the stars were aligned for her and us.
This is probably too much information but it was a watershed moment for our family. My siblings and I are very glad she is there, and the best part is that mom is adjusting well, despite her fall, and is taking advantage of everything offered there.
Smiley, I think it is good that you are identifying your limits. It is hard I am sure with those granddaughters that you love so much. A month in the summer would be far too much, I agree. Maybe shorter more frequent visits would be more appealing to them and you.
As my mother-in-law used to say, "growing old is not for cowards."
My new motto, lol.
I like GAGWTA a bit better.