Too Good To Be True
Brace yourself. Legal (but fishy) money-making schemes can net companies big money and cost honest people billions of dollars each year. How do you tell good tips from sour rips? Typically, the words “discount,” “easy-pay,” “extension,” “rebate,” and “insurance” should be a red flag to read the fine print. • Travel discount clubs promise deals in exchange for attending a sales presentation. You might eat for free, win a cruise, or fly at a dis- count. Remember, dramatic drops in membership fees (80 percent in some cases) can be a sign of a scam. • Rent–to-own businesses target low-income families and frequently charge outrageous interest rates (a “deal” for a 142-percent interest rate loan). These contracts are similar to subprime mortgages. If you miss a payment, you’ll lose the money you’ve paid. • Extended warranties with the word “dealer” or “warranty” in their names often can mean bad deals. You’re betting a malfunction or breakdown occurs before the extended coverage expires, and you usually lose. • Payday lenders might try to charge 300 percent to 500 percent in in- terest for short-term loans. Opt for a credit card cash advance instead. • Pet health insurance can be loaded with exclusions. Read contracts, and factor the cost of routine pet care into your emergency budget. • Mail-in rebates can turn sour. Look for paperless rebates on a store’s website, especially ones that let you track the status online; you’ll receive your check sooner. Don’t throw away a check designed to re- semble junk mail. • Cell phone insurance sometimes promises a “comparable” replace- ment. This might not be compatible with your original headset and ac- cessories. Read your policy carefully. — Anita Stone
educational opportunities, this has been Wil- liamsburg’s community of choice since 1985. Experience an active lifestyle, multiple ameni- ties, and award-winning health care. (See ad on page 71.) PET FRIENDLY
WindsorMeade of Williamsburg, 3900 Windsor Hall Drive, Williamsburg, VA 23188, (866) 403-5503, (757) 941-3615,
www.windsormeade.org
Located in the heart of America’s birthplace — just minutes from historic downtown Wil- liamsburg — WindsorMeade of Williams-
burg’s philosophy and location will have you living the good life year-round. Choose from maintenance-free homes in our Wind- sorMeade neighborhood or spacious apart- ments in Windsor Hall. Amenities include our state-of-the-art fitness center and a pool, a salon, and massage therapy. (See ad on page 64.) PET FRIENDLY
The Woodlands Retirement Com- munity, 4320 Forest Hill Drive, Fairfax, VA 22030, (703) 667-9801,
www.thewoodlandsccrc.com
A fee-for-service continuing-care commu- nity comprising 102 luxury apartments, The Woodlands community offers two options for residency: a 100-percent-refundable entrance fee and a rental program. Ameni- ties include a fitness center, an indoor heated pool, a theater, formal and informal dining rooms, a hair salon, and much more. The community opened in 2008. (See ad on page 106.) PET FRIENDLY
WASHINGTON Crista Shores, 1600 N.W. Crista Shores Lane, Silverdale, WA 98383, (800) 722-4135,
www.cristaseniors.com CRISTA Senior Living offers two beautiful loca- tions in Shoreline and Silverdale, Wash. Nestled between Seattle and the Olympic Mountains, we are minutes from NSB Bremerton/Bangor. Waterfront residential-living apartments fea- ture a private deck, a shoreline view, a washer and dryer, and complete kitchens. Assisted living is available on site. (See ad on page 106.) PET FRIENDLY
Panorama, 1751 Circle Lane, S.E., Lacey, WA 98503, (800) 999-9807,
www.panoramacity.org This full-service, accredited CCRC is beautiful, comfortable, secure, and affordable. It is near Joint Base Lewis-McChord and Madigan Army Medical Center. Choose from single-family homes, garden-court duplexes, triplexes, and apartments on 140 acres. Panorama is supported by an extensive spectrum of con- tinuing-care services, including an aquatic and fitness center and state-of-the-art skilled- nursing facility and rehabilitation center. Community members have active lifestyles and enjoy lifelong learning in the new full- service auditorium and theater/lecture hall. Deposits start at $49,000. (See ad on page 60.) PET FRIENDLY
Patriots Landing, 1600 Marshall Circle, DuPont, WA 98327, (877) 964-4900,
www.patriotslanding.com Patriots Landing is the Northwest’s premier military retirement community, offering inde- pendent-living, assisted-living, and memory- support care apartments with no buy-ins. Enjoy our spa, pool, exclusive restaurant, club bar, putting green, and more. We are located just south of Joint Base Lewis-McChord, Wash., and a shuttle to the base is provided. Studios, one- and two-bedroom apartments, and cottages are available. You’ve served us, now let us serve you! (See ad on page 115.) PET FRIENDLY
RETIREMENT COMMUNITY SOURCE MARCH 2011 MILITARY OFFICER K
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