Posts Tagged ‘activities’

NJFA’s 16th Annual Conference

Monday, April 14th, 2014

NJFA will hold its 16th Annual Conference on Wednesday, June 11th at the Crowne Plaza Monroe. The 2014 Keynote Speaker Jo Ivey Boufford, MD President of  The New York Academy of Medicine. Dr. Boufford will talk about the Age-friendly NYC initiative. 

Age-friendly NYC has consulted with thousands of older adults and enacted hundreds of low-cost improvements throughout the city including: the redesign of 600 intersections, commitments made by 1,000 local retail businesses, increased access to museums and universities and new creative transit options. In 2013, Age-friendly NYC was named the “Best Existing Age-friendly Initiative in the World” by the International Federation on Aging. The New York Academy of Medicine serves as the World Health Organization’s Collaborating Center on Aging, Urbanization and Globalization and advises cities and communities around the world on how to take on similar initiatives customized to the needs and strengths of their communities. Age-friendly Communities aim to complement essential health and social services by testing and spreading innovations to make the environment more accessible, affordable and welcoming to older people.

The 2014 conference workshop speakers will include policy makers, direct care & clinical practice specialists.

More details and registration information is available on our website, www.njfoundationforaging.org. Some sponsorships are still available, however, vendor space is sold out.  Questions? Please give us a call at 609-421-0206 or email at mchalker@njfoundationforaging.org

The New Jersey Foundation for Aging (NJFA) is a public charity with the primary goal to empower elders to live in the community with independence and dignity.

How to get your Credit Report

Thursday, January 23rd, 2014

We’ve all seen those funny commercials for credit reports and have probably read articles in magazines urging us to get our yearly free credit report. However, have you ever wondered why you need it? Or how to go about getting it? And how to avoid scams posing as free credit report services? Well, let’s try to answer some of those questions.

Knowing your credit score can help guard against identity theft. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job. Since your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money, you should check it annually to make sure it is accurate

The Federal Trade Commission enforces The Fair Credit Reporting Act (FCRA) which requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. You can see why it is important to receive your credit report to monitor these things yourself before applying for a loan, credit card, mortgage or even a new job.

To order your free credit report, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.

Here’s an important piece to remember– The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.

You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time.

Okay, so here is the part to make a note of to protect yourself from scams. Use only annualcreditreport.com to order your free credit report. That is the only site under the law- FCRA that is mandated to provide your credit report for free. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information. So make sure you type the url correctly and don’t enter your credit card information, exit the site if they ask for this information and then attempt to connect with annualcreditreport.com or call 1-877-322-8228.

The only information that you’ll be asked for to process your credit report is your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

While your credit report helps determine your credit score, these reports will not give you your credit score. For more information about your credit score visit- http://www.consumer.ftc.gov/articles/0152-how-credit-scores-affect-price-credit-and-insurance#credit

For more details and to learn what steps to take if you do find inaccurate information on your credit report, please visit the Federal Trade Commission and read the article on Free Credit Reports http://www.consumer.ftc.gov/articles/0155-free-credit-reports or call 1-877-FTC-HELP (1-877-382-4357)

 

Medicare Open Enrollment ends December 7th

Wednesday, November 27th, 2013

Medicare Open Enrollment ends December 7th

Open Enrollment is coming to a close soon. Every year Medicare gives you the opportunity to review your coverage and make changes. This year the Open Enrollment period is October 15 to December 7.

This is when people with Medicare can change their Medicare health plan and prescription drug coverage for 2014. Information on 2014 plans has been available since the beginning of October. People with Medicare can call 1-800-MEDICARE or visit www.medicare.gov for plan information. If a person is satisfied that their current plan will meet their needs for next year, they don’t need to do anything.

What can you do during Open Enrollment?

From October 15 to December 7 you can

  • Join or switch a Medicare Prescription Drug Plan
  • Join or switch a Medicare Advantage Plan

During this period you should take time to review health and drug plan choices and choose the plan that fits your needs. Coverage begins on January 1, 2014.

Each year, Medicare Advantage and Medicare Drug Plans can change costs and coverage. Plans will mail an Evidence of Coverage/Annual Notice of Change to you. This notice gives details about plan coverage, costs, etc for the next year. Some plans may choose to leave Medicare and no longer offer the plan you have, meaning you’ll have to find a new plan during Open Enrollment. If this is the case your plan would have mailed you a notice of non-renewal.

To learn more about available plans visit- Medicare Plan Finder on Medicare.gov

You can also:

  • Visit your plan’s website
  • Refer to the Medicare & You handbook
  • Call 1-800-MEDICARE (1-800-633-4227)
  • Or contact your State Health Insurance Assistance Program (SHIP)  at 1-800-792-8820 or http://www.state.nj.us/humanservices/doas/home/sashipsite.html

 

NJFA to Celebrate 15th Anniversary with Fundraising Event

Thursday, October 17th, 2013

NJFA to Celebrate 15th Anniversary with Fundraising Event

Trenton—The New Jersey Foundation for Aging (NJFA) will hold a Fall Fundraising event on Sunday, Nov. 24, 2013 to celebrate the Foundation’s 15th Anniversary. The event, titled A Crystal Anniversary, will begin with a 2 pm matinee at the George Street Playhouse to see the production, Clever Little Lies. The show is a new comedy/drama from Tony Award winner Joe DiPietro, author of the Broadway hits Memphis and Nice Work if You Can Get It. Following the performance at the George Street Playhouse, guests will be invited to the Honoree Award Dinner at the Heldrich Hotel.

The Honoree’s for NJFA’s 15th Anniversary Celebration are two great partners that have helped the Foundation to continue its work. Jacob Toporek, the Executive Director of the NJ State Association of Jewish Federations, who has partnered with NJFA on a number of initiatives including transportation and discussion about the Reauthorization of the Older Americans Act. The second honoree is the Poverty Research Institute (PRI) of Legal Services of NJ. PRI developed a crucial section of the 2012 Elder Index Report.

Dinner will feature an award presentation, a silent auction, a 50/50 raffle and a menu that is sure to please. More information, invitations and sponsorship opportunities are available by visiting our website, www.njfoundationforaging.org/events.html, or by calling the office, 609-421-0206 Or contact us by email: office@njfoundationforaging.org

To learn more about the work of the Foundation visit www.njfoundationforaging.org or call 609-421-0206. The New Jersey Foundation for Aging was established in 1998. Its mission is to promote services that enable older adults to live in the community with independence and dignity.

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More Money Tips

Wednesday, October 2nd, 2013

More Money Tips

Fraud and Abuse

If you have not done so already, adding yourself to the Do Not Call Registry can limit the number of mail and phone calls you receive from marketers. Contact the Do Not Call Registry at 1-888-382-1222 or visit www.donotcall.gov

For more information on stopping unwanted mail and phone calls visit the Federal Trade Commission online at www.consumer.ftc.gov/articles/0260-stopping-unsolicited-mail-phone-calls-and-email

You’ve seen many ads and articles stating that a Reverse Mortgage can help you, and for some people it is a wise choice. NJFA’s Renaissance magazine has published articles outlining what you should know when considering a Reverse mortgage. You must be 62 or over to qualify and a counseling session is required.  A reverse mortgage is borrowing against the equity of your home. You must stay current with your property taxes while you live in the home and the money will have to be paid back when you or your heirs sell the home. More information can be found at www.fdic.gov/

Always be on the lookout for fraud. Here are some warning signs to be aware of:

  • An unsolicited phone call, email or other request that you pay a large amount of money before receiving goods and services.
  • An unexpected email or call requesting your bank account number, perhaps one asking you for the information printed at the bottom of your checks.
  • An offer that seems too good to be true, like an investment, “guaranteeing” a return that’s way above the competition.
  • Pressure to send funds quickly by wire transfer.

Protecting your important documents is important. Keeping them in a safe place should also include protecting them from water damage by keeping them in an airtight and waterproof container.

The NJ Division of Consumer Affairs provides valuable information and resources to protect you. Their website features information about cyber fraud, how to determine if an investment opportunity is real and also a way to check if a charity is legitimate and other consumer warnings. Visit them online at www.njconsumeraffairs.gov or call them at 1-800-242-5846.

 

Money saving tips

Friday, September 13th, 2013

Money saving tips

Here are some great tips for saving money. We gathered these from various sources, to learn more about each follow the links provided or contact a trusted financial advisor. 

Find your pension

To see if you or someone you know has an unclaimed pension-Search.pbgc.gov

Free credit monitoring

Creditsesame.com

Catch-up

If you are 50 or over you can contribute an extra $5,500 to your 401K plan as a catch up contribution in 2013

 Family ties

If adult children or grandchildren live with you it may mean special tax breaks. Ask your tax preparer about claiming dependents for family members you support.

Save on stamps

Paying bills online means not buying stamps

Free credit report

Don’t pay for credit reports. Get a free copy once a year from three companies- Equifax, TransUnion and Experian. Visit annualcreditreport.com

Selling your home?

The best day of the week to list your home for sale is Friday and the worst is Sunday. according to an analysis by a major real-estate brokerage firm. Listings on Fridays sell faster and for more money.

Save money on medications

Ask your doctor for free samples. Drug company reps drop them off all the time.

Skip the ER

If you have a non-life-threatening medical issue, like fevers, cuts, minor burns or headaches. Urgent care centers with walk-in features are more affordable and usually are open 7 days a week.

Grow it

If you put the stub of romaine lettuce in a glass of water and place it in a sunny spot it will grow back, the same is true of celery, spring onions and cabbage.

Weigh your options

If you need only a few vegetables or fruits for a recipe or meal, buying a small amount from the salad bar at your supermarket may be cheaper than buying a bag of precut vegetables.

Check it out

Instead of buying a book, why not visit your local library and borrow it.

Service advisory

If you get your car serviced at the dealer, ask to check for any service advisories. You might save on a repair that is covered.

Compare 401 (k) fees

Financial information company, BrightScope features free 401 (K) ratings directory that compares fees among plans. Check it out at brightscope.com/ratings

Falls Prevention Awareness Week, September 22-29, 2013

Tuesday, September 3rd, 2013

Falls Prevention Awareness Week, September 22-29, 2013

The Falls Prevention Workgroup and Division of Aging Services are promoting the 5th Annual Falls Prevention Awareness Week, September 22-29, 2013. Governor Christie declared September 23-29, 2013 Falls Prevention Awareness week with events happening throughout the state. The fall prevention workgroup is comprised of PTs, EMS personnel, health educators, etc. 

It is reported that more than one third of adults age 65 and older fall each year in the US. In New Jersey, an average of 194 people age 60 and over are treated in the ER or as inpatients due to a fall. Falls are the number one cause of brain injury in adults. as you can tell, falls are a serious problem.

The upside to this is that falls are preventable. And that is what Fall Prevention Week is all about, bringing awareness to the issue and helping people to prevent falls.

First things first, exercise is a good idea. It will increase your strength, flexibility and balance.

Make sure to get important exams, like an eye exam, yearly. Make sure your doctor and pharmacist review your medicines- both prescription and over the counter to make sure there are no side effects or interactions that could put you at risk. Also, there are some medications that can cause dizziness or weakness, so make sure you are aware if you are taking any with those side effects.

Wear the right footwear. You’d be surprised how many falls are due to this. Make sure your shoes fit properly and have non-slip soles.

You can do things around the house to make it safer as well. Remove clutter in your hallways and rooms. Make sure any wires or cords are out of the way. Make lights brighter, especially in stairways. Install bath grips or grab bars in your tub or shower. Limiting the use of area rugs is a good idea, but if you use them, make sure they are the kind with non-skid liners.

The best way to make Fall Prevention Awareness Week in NJ a success is by spreading the word.

Learn more at http://www.state.nj.us/humanservices/doas/services/fallprev/index.html

And be sure to check out the 24th Episode of NJFA’s TV Program, Aging Insights, which features exercises that help to promote strength and balance!

www.youtube.com/njfoundationforaging

Aging Insights and You- Fall Prevention

Thursday, August 29th, 2013

                                                           Press Release

Aging Insights and You- Fall Prevention 

Trenton– The New Jersey Foundation for Aging (NJFA) is a public charity with the primary goal to empower elders to live in the community with independence and dignity.  The strategies to age well are voluminous.  Consequently, the Foundation uses several outreach and educational tools to highlight resources to age well.  For example, Aging Insights is a ½ hour TV program that is produced monthly by the Foundation.  September is Fall Prevention Month. The September program touches on ways to stay strong and healthy in order to avoid falls as well as other medical ailments.

Over the last two years an expansive range of shows have been produced by the Foundation. Utility assistance will be discussed in October to get folks ready for the winter heat season.  Other topics have included pet health, driver safety, community transportation, fitness, money management, foreclosure prevention and County resources.  Why so many topics?  Grace Egan, the Executive Director indicates “that these are topics relevant to boomers, caregivers and seniors. Our intent is to connect them to community programs to address their unique needs and those of their families”.  NJFA seeks sponsorships to underwrite these community education TV programs that are broadcast more than 300 times a month across NJ. The show is broadcast to an area of more than 6 million residents. Sponsorship opportunities are listed on the NJFA website www.njfoundationforaging.org

NJFA is pleased to announce the release of the 24th episode of Aging Insights, the Foundation’s TV program. This episode, Balance for Body and Mind, will be broadcast in September 2013. The program is available to public access stations and may also be seen on NJFA’s YouTube channel, www.Youtube.com/njfoundationforaging 

This episode is hosted by NJFA Program Manager, Melissa Chalker and she is joined by Siobhan Hutchinson, a Holistic Health Practitioner and Tai Chi Chih instructor and Romy Toussaint, a yoga instructor. Both guests share information about their respective practices, provide tips, as well as discuss the benefits of each. A demonstration of both Tai Chi Chih and Yoga can also be seen in this episode. Please visit NJFA’s website to take the new online survey for Aging Insights. We want to know what you think of the show and what topics you’d like to hear next!

On the set from left to right: Melissa Chalker, Siobhan Hutchinson, and Romy Toussaint

To learn more about the work of the Foundation visit www.njfoundationforaging.org or call 609-421-0206. The New Jersey Foundation for Aging was established in 1998, its mission is promote policy and services that enable older adults to live in the community with independence and dignity.

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Community Gardening and Its Impact on Seniors

Wednesday, July 17th, 2013

 Community Gardening and Its Impact on Seniors

In continued celebration of NJFA’s 15th Anniversary, we’d like to share with you a guest blog from a former grantee, The Camden City Garden Club, Inc.

The Camden City Garden Club, Inc. (CCGC) operates several programs, which provide Camden residents of all ages access to fresh, locally-grown healthy food.  The CCGC’s Community Gardening Program enables 1000s of Camden families to grow their own food in community gardens, close to residents’ homes and promotes fellowship among neighbors.  The Camden City Garden Club provides plants, seeds, fertilizers, fencing, supplies and tips to its members for a small membership fee.

Through the Community Gardening Program, the CCGC works with the community to fight hunger and obesity in Camden, NJ, which is the one of the poorest, most dangerous US cities and also one of the “Top 9 Food Deserts”, according to the USDA. In 2013, the CCGC celebrates 29 Years of the Community Gardening Program, which is “perhaps the fastest growing in the US,” according to University of Pennsylvania study.  Today, CCGC has created and supports over 120 community gardens, 100 family gardens, and 12 school gardens.  The CCGC is helping more than 12% of Camden residents to eat fresh food from these gardens, producing an estimated $2.3 million in fresh produce each year, according to the report by University of Pennsylvania.

CCGC PROGRAMS ARE ASSISTING NJ SENIORS

With support from foundations like the NJ Foundation for Aging(NJFA), the CCGC has increased community gardening with seniors at Camden senior residence facilities.  CCGC and NJFA have also established a Senior Citizen Advisory Council for the Garden Club to improve services to encourage seniors to garden.  The Council has been operating successfully with 10 members, who represent various communities in the City of Camden.  Council members serve as teachers, mentors and guides to advance community gardens in Camden, addressing the particular needs of senior citizens and their families.  They provide the CCGC with advice on the needs of seniors and serve as mentors for those wishing to start-up new gardens and improve their gardening methods.

The CCGC Community Gardening Program is multi-generational and multi-ethnic.  It has a way of bringing together people of different racial, religious and ethnic backgrounds and having them work together to grow food for themselves, their families and neighbors.   The study by the University of Pennsylvania found that Camden gardens were remarkable for the amount of surplus that they produced and their generosity in sharing it with their neighbors.  These programs are especially helpful to Camden’s elderly as they often to not have access to transportation, are on a fixed income and because growing fresh foods is so important to a healthy active lifestyle.

GARDENING AT SENIOR HOUSING & GROWING FELLOWSHIP

Since its founding, senior citizens have always been a cherished part of the Garden Club.  Many of the members were older people who were interested in gardening since the time they were young children.  Garden Club senior gardeners include African Americans who grew up on farms in the South, some from Mexico, Puerto Rico and others who remember gardening with their parents and grandparents on small backyard gardens. 

Through support from the NJFA, the CCGC has been able to expand their services for seniors.  The Club supports large gardens at Northgate I and Northgate II, senior housing developments that accommodate over 50 gardeners.  There are several other community gardens throughout the City of Camden which are led by and cultivated by the CCGC’s active gardening senior.  Some outstanding gardens have been attributed to senior gardeners:  Paul Williams has an extensive garden – both have been focal points of their neighborhoods and a source of a surplus of healthy food.   The CCGC has supported the extensive community garden called the “Men’s Garden” because of the large number of senior men who garden there, as well as, their utilizing the outdoor space as a meeting place. 

INTERGENERATIONAL GARDENING & LEARNING

CCGC’s Community Gardening Program also offers opportunities for intergenerational learning.  Seniors have the opportunity to mentor the Camden teenagers who work as part of Youth Employment and Job Training Program,.  In addition, CCGC hosts AmeriCorps volunteers, young people who are part of the program CCGC hosts who come to volunteer in Camden, help seniors with some of their gardening work in return for learning from them about gardening, food and life.  Hundreds of Camden school children participate annually in the CCGC’s GrowLab Program.  Many of these children have community gardens in their neighborhoods at home, so they often teach their families and neighbors what they learned in school.  The seniors enjoy working and teaching the children what they know about gardening and preparing healthy meals also! 

SUPPLEMENTATION DELIVERED

To help supplement the food grown in the community gardens, the CCGC also operates a successful mini farm stand at the Camden Children’s Garden, which sells produce to seniors to supplement what they are able to grow themselves, with items like seasonal apples, blueberries, peaches and corn.  The Fresh Mobile Market will sell quality fresh vegetables and fruit at low prices.  Some of the produce will be grown at the CCGC’s Urban Farm on 3rd and Beckett Streets in Camden, NJ.  CCGC Board member and supporter, Duffield’s Farm in Sewell, NJ, will also supply produce.  In addition, the newly launched Fresh Mobile Market Program will bring fresh foods even closer to the homes of elderly residents, with a special focus on senior housing.  This program was launched May 2013 at a senior living facility Mickle Towers, along with the Fresh Mobile Partners, including the NJ Department of Agriculture, NJ 5th Legislative District, Camden County Freeholders, City of Camden Mayor, City of Camden Council, Duffield’s Farm, Holman Ford Lincoln, Walmart Corporation, Whole Foods Markets.  Also, the CCGC’s “Camden Grows”, the USDA Entrepreneurial Gardening Program, will enable Camden Community Gardeners to make a profit by selling their surplus of crops to the Mobile Market Program. 

POPULATION SERVED

The target population for the NJFA grants were low income senior citizens.  Throughout the year, CCGC estimates that at least 1,400 senior citizens (20% of CCGC’s 7,000 gardeners have been served).  CCGC has exceeded their goals for Senior Community Gardening and will continue to work with seniors as an integral part of the garden program. 

In conclusion, seniors are important leaders in the CCGC, providing inspiration and direction to gardeners of all ages throughout the city.  There is a great excitement about CCGC’s Community Gardening Program in Camden and senior citizens are an important reason for that.

To learn more about the Camden City Garden Club go to http://camdenchildrensgarden.org/about.html

 

 

Affordable housing is more important than ever for low income seniors and low income families.

Monday, July 1st, 2013

Affordable housing is more important than ever for low income seniors and low income families.

A recent Appellate Division’s decision provides an important opportunity for municipalities to utilize much-needed housing trust funds to address the chronic shortage of affordable housing for low-income seniors across the state in the aftermath of Hurricane Sandy. Many of these funds were specifically designated for the development of senior housing in the nine counties hardest hit by the storm. This includes 131 senior units in Monmouth County, 6 special needs unit for the elderly by Cerebral Palsy of North Jersey in Livingston, Essex County; and 5 senior rental by Catholic Charities in Harrison, Hudson County.

The court’s decision comes at a critical time in this state’s history with the high demand for affordable senior housing and the rising cost of living. In just three short years, the cost of living for seniors living in a one bedroom apartment on a fixed income in New Jersey has increased 8 percent, according to data released in 2012 by the New Jersey Foundation for Aging (NJFA).

The cost of living for a single renter over the age of 65 was $25,941 in 2009. That same renter, living in the same one-bedroom apartment, saw her cost of living quickly climb more than $2,000 to $27,960, by 2012. However, there was not a comparable rise in income or Social Security.  Seniors on fixed incomes have been plagued in recent years with rising expenses for housing, transportation and health care. In many cases this has resulted in a rise in senior hunger and even homelessness. Their highest cost is their housing expenses.

Twenty five percent of all seniors in our state rely on Social Security as their only income. So NJ seniors can least afford the trend in rising expenses. The result is a widening of the gap between basic living expenses and their income. The NJ Elder Economic Index details these costs for seniors in each of the 21 NJ counties. These details indicate how seniors are faring in the slow economy. The latest data shows that 250,000 seniors over the age of 65 in New Jersey – representing 42 percent of single and elderly couples living in the community – do not have the money to cover their basic costs. Sixty-four percent of people in this group are women.

The report, known as the NJ Elder Economic Index, indicates that the average Social Security for a woman being $14,848. But average living expenses for a one-bedroom apartment in New Jersey has reached the $27,960 mark. So how can we expect to call these the golden years if elders must choose between food, heat, shelter or prescriptions? Even if a person worked and saved for retirement this rise in costs are unprecedented and these elders are one step from their own ‘fiscal cliff’. The New Jersey Foundation for Aging wants to alert and connect elders to resources in their community that might ease the financial strain they may be feeling each day. 

A woman receiving $14,848 from Social Security as her sole income with the average costs of a one bedroom apartment at $27,960 is only 53% economically secure.  At this income level she would be eligible for several food and nutrition programs, as well utility assistance programs. These programs would improve her quality of life and enable her to use her income to cover more of her basic living costs, but she would still fall short of meeting her costs by 21%. The only public benefit program that would help her to close the gap is affordable housing. 

The most costly portion of an elder’s monthly expenses is their housing. More than 46 percent of their income must go towards their housing, taxes and utilities.  This highlights the need for more affordable housing. The state’s housing shortage has been documented for several decades. And the need for affordable housing in the community for people of all ages has only been further stressed by the recent storms and floods across the state. Public awareness is a key component to help local advocates, state policy makers, municipal leaders and planners address current and future needs. Where you live at age 65 or 70?  Persons over age 75 and older have even fewer income assets. Where will your parents live at age 85?

If these funds are not protected and utilized, Otherwise low-income seniors and low-income families will continue to be displaced by Sandy and homeless for many years to come. Each municipality’s affordable housing trust funds are needed now more than ever for the development of new housing because of the impact of hurricane Sandy. We cannot afford to be silent on this issue. Elders who have been active in their community who want to downsize need affordable housing options; working families who want good schools and safe streets need affordable housing; health care workers who want to be close to their work and patients need affordable housing. A healthy blend of housing types is crucial to nurture a community’s cultural and social vitality as well as its economic base. “NJ Strong” must include affordable housing options to serve it residents and to build back the local economy.

*this was submitted and printed as an op-ed in the Asbury Park Press on 6/19/13 by Grace Egan, Executive Director, NJFA