Seniors often brush aside the thought of moving into a senior living community as they believe it would be too costly, but in many cases it is much more affordable than it looks at first glance. The reason for this is people are not factoring in all of the services, amenities and other tangible and intangible benefits provided by community living. For example, if you need assistance with the ADLs (activities of daily living), you may already be paying for daily in-home care that in itself can add up. Experts estimate the rule of thumb for assisted living vs in-home care is if a person requires more than 40 hours per week of paid home care; assisted living may be a better bargain. Not to mention, you may need to factor in things like home modifications that need to be done to the home in order to safely live there. Structural changes like replacing a stairway, adding stair lifts, constructing a wheelchair ramp, or replacing a bathtub with a walk-in-shower can be costly, an...