CHANGING RESIDENCE: SUBSIDIZED HOUSING AND RENTAL ASSISTANCE

Another choice you may have is subsidized housing. The government provides financial assistance to churches and synagogues, civic organizations, private developers and consumer cooperatives, who then build and manage housing for people with incomes below a certain amount. Some low-income housing for the elderly is of better quality than retirement housing at almost any price. Innovative architectural design, carefully planned access to community services, effective management, and a rich blend of on-site options makes some subsidized housing developments national showcases of good planning and design.
Subsidized housing ranges from apartments for people with no physical impairments to units providing meals, housekeeping, and social services to older people in frail health. And while most programs do require that people earn less than a certain amount to qualify, some do not.
Unfortunately, because of its desirability, the best subsidized housing tends to have a long waiting list. By asking your local office for the aging, your local housing authority, or HUD (the United States Department of Housing and Urban Development), you can find out what is available in your area. Information about one program, sponsored by the Farmers Home Administration (FmHA) of the United States Department of Agriculture, can be gotten from the FmHA office in your area. Your area HUD and FmHA offices also will have information about another program you may qualify for – government assistance with your rent if your income is below a certain amount.
Sponsored by HUD and FmHA Rental assistance operates in a similar way. With a certificate of eligibility from the agency, you search for rental housing, either in your current building, in another apartment, or in a private or federally assisted apartment complex. You pay a maximum of 30 percent of your income for rent, and the government pays the rest based on a »fair market rent» they approve. If you qualify for this type of assistance, you also may get help with large housing expenses such as utility charges. However – as with subsidized housing – the funds for this type of assistance are inadequate to cover the number of eligible applicants.
No matter «what your financial situation, investigate your choices if you are at all dissatisfied with where you live now. Explore every option without fear. The research shows that if you plan wisely, you need not be afraid of the mental or physical consequences of making a change.
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GENERAL HEALTH

CHANGING RESIDENCE: HOUSING MATCH-UP SERVICES FOR OLDER PEOPLE

If you do not own a home and your income is tight, you might consider a solution that has always been popular with single people starting out – sharing the cost with someone else.
Housing match-up services
A growing number of services make finding a compatible housemate easier by linking people with others they are likely to live comfortably with. Some of these housing match-up services are for older people only, but some are intergenerational; you may be matched with a person of any age. To find out whether a service of this type is available in your community, write or call the Shared Housing Resource Center in Philadelphia
Leah Dobkin, director of this national clearinghouse, advises selecting a housing match-up service that offers counseling – one where a trained person explores your expectations, doubts, and concerns about having a housemate. Counseling is important to help people sort out whether they really are prepared to enter an arrangement of this type.
Or go it on your own. If you are a homeowner, advertise in your local newspaper for a boarder or offer your services as a baby-sitter in exchange for a room in a single-family house.
(Once again, check your local zoning laws to see if renting out a single-family house is legal.)
Many people shy away from having a housemate out of fear: «What if things don’t work out?» Though a bad experience is always a possibility, taking these precautions will lessen your risk.
1. Carefully spell out the details of your arrangement in writing (chores, who pays for what, etc.) before the move.
2.   Spend some time with a potential housemate. Would it be possible to give living together a month’s trial? Could you go away together for a weekend to get to know one another? At least conduct a thorough interview. As Dobkin advises, «The time to negotiate a workable arrangement is before you commit yourself to it, economically, physically, emotionally.»
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GENERAL HEALTH