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Temple. Continuing care retirement communities, which offer more health services as seniors age, typically require entrance fees of hundreds of thousands of dollars, plus monthly fees. Cheryl J. Sherrard, a certified financial planner at Rinehart and Associates in Charlotte, says switching to a smaller apartment can be a money saving strategy for older Americans who've set their hearts on moving into a specific retirement community. "I've seen communities allow couples to move in with a percentage of the entry fee due initially, but a delay on the remainder being due for a period of six months after move in," giving seniors wiggle room to complete the sale of a house, she says. "Retirement communities backed by nonprofit religious organizations can be a more affordable option," says Karen Schaeffer, president of Schaeffer Financial in Rockville, Md. These communities welcome people of all beliefs. Mr. Temple recommends asking independent and assisted living facilities about "non premium rooms" that can be real bargains, but generally aren't advertised. Longer walks to the dining room and less desirable layouts or views account for the cheaper rates. Having a roommate might not be everyone's cup of tea, but "companion rates" can shave $1,000 a month off rent for single seniors who are willing to share, he says.

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Pastoral counselors who offer counseling to their counselees automatically create a similar dual relationship. Because pastoral counselors are often considered 'friend, teacher, spiritual adviser, shepherd, and sometimes coworker to counselees Parent, 2005, p. 8, they must be able to quickly adapt to different social expectations, circumstances, and levels of intimacy. This flexibility is necessary to provide overall needs. Welfel 2002 explains that solutions should include creating boundaries that provide structure for the counseling process, safety for the client, and the required emotional distance for effective therapeutic work' p. 155. Counselors should erect boundaries around their work and their clients to protect ambiguity and personal risk. It is useful to evaluate the potential for harm to the client and to ensure confidentiality and maybe ask for a reversal of roles. Corey 1993 adds that counselors must see how their own humanity contributes to the success of their counseling. It is essential to note that pastoral counselors can be sued for malpractice. There are vulnerabilities to persecution, civil or ecclesiastical.

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