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Goodbye, Signs of Aging

June 19, 2016 by · Comments Off on Goodbye, Signs of Aging
Filed under: General 

Everyone is affected with signs of aging at some point in their life, be it visible wrinkles, blemishes, pigmentation changes, expression lines, discolorations, poor texture, or other environment-related conditions of the skin. As we age, the production of skin reviving and plumping collagen gradually slows, revealing fine lines and wrinkles.

Anti-aging creams promise to reduce these signs of aging. Yet, despite the ever-rising demand and great popularity, there has been skepticism and anxiety related to anti-wrinkle creams. Many believe that anti-aging creams are but fads, and do not work at all. Debates still continue whether anti-aging creams are cosmetics or drugs. Many argue that most of the anti-aging creams only enhance the outward appearance of the skin and only temporarily at that; and therefore should be placed on equal footings with other cosmetics.

So the promises of younger, fresher looking skin are nothing but lies? No. Fortunately for wrinkle-cream customers, that’s not always so. Granted, in most scenarios, wrinkle creams only offer what can already be achieved through the use of moisturizers and sunscreens. But with a little knowledge of active ingredients used nowadays in certain anti-aging creams, the promises may as well be fulfilled.

Anti-aging creams come under the category of “cosmeceuticals”, mixture of cosmetics and pharmaceuticals; which means they are cosmetic products containing certain biologically active ingredients claiming to give medical or drug-like effect. With ample scientific research and knowledge collected thus, researchers HAVE found out such ingredients which are almost just as effective and relatively inexpensive compared to medical cosmetic procedures.

Active Anti-aging Ingredients:

Most people usually stick to buying cosmetic products of their favorite brands. But to actually gain satisfactory results from anti-aging creams, you’ll have to go an extra mile and start with researching products containing active ingredients which really work on aging skin.

Retinoid:

The active ingredient in Retin-A is tretinoin. The chemical is the only one till date to achieve FDA approval ratings for anti-aging as well as anti-sun damage properties. Retinoid prevents the loss of collagen from skin due to excessive exposure and consequent photo-damage.

In anti-aging creams, retinoid-derivatives in the form of retinol and retinyl palmitate (combination of pure retinol and cleansing agent palmitic acid) are used. However, these must be present at a sufficiently high concentration of 0.04% to 0.07% to be effective. Customers should also take care to note the expiry date of the product, since products containing retinoid tend to expire after a month or so post opening.

Side effects may include mild irritation and redness. Customers with sensitive skin should use a much lower concentration of retinol (approx. 0.025%). It is also advisable to avoid the use of products containing retinoid during pregnancy or breast feeding period, since it is a Vitamin A derivative which is associated with birth defects.

Alpha Hydroxy Acids (AHAs):

Various alpha and beta hydroxy acids are already popular ingredients in various cosmetic products like cleansers, moisturizers, toners, etc. Two most popular AHAs are lactic acid and glycolic acid, known for their ability to efficiently penetrate skin.

AHAs have superb exfoliation properties helping in removal of dead skin cells and growth of new ones. Effectiveness of anti-wrinkle creams containing AHAs depends upon concentration (5% to 8% are sufficient) and frequency of application.

AHAs can increase sun-sensitivity by almost 50%, therefore an effective sunscreen providing UVA and UVB protection is an FDA requisite in final product formulation. Irritation, redness and possible scarring can also occur as side effects. Some people tend to be allergic to certain hydroxy acids. Therefore it’s best to consult a physician before trying a product with an AHA mentioned in ingredients.

Peptides:

Peptides are short-chained proteins which occur naturally in the skin, mainly acting as messengers (in the form of signal peptides) or hormones. They are well known for their natural skin-healing benefits. Peptides such as oligopeptides work as collagen boosters, while Palmitoyl Tripeptide-5 and Tripeptide-1 stimulate the skin for synthesizing collagen of types I and III, and simultaneously decreasing enzyme production to protect collagen and elastin integrity. Pentapeptide-18 and Acetyl hexapeptide-8 (Argireline) are peptides that are known to tighten the skin, thereby reducing the appearance of wrinkles.

There are minimal side-effects related to use of peptides for anti-aging treatment. Not only they help against wrinkles, they also increase skin’s moisture retaining ability, elasticity, and resilience.

Anti-oxidants:

Anti-oxidants are substances that are known to protect the body from damage caused by free radicals-unstable molecules that damage cell membranes, proteins, lipids, and DNA. Free radicals are also one of the major causes of premature aging. Anti-oxidants are already popular for their extraordinary health benefits, and their use in anti-aging products is relatively new yet promising.

Green tea, rosemary, grapes, and tomatoes contain the most effective anti-oxidants and products containing extracts of same can give visible satisfactory results with regular application. A 10% concentration of green tea extract in a given product is especially effective for fighting aging.

It should be noted that although anti-oxidants can be used in diet and applied topically, the effectiveness of an anti-oxidant diet for anti-aging is somewhat debatable. Also, most anti-oxidants will only help in prevention of wrinkles, and may not work to remove those which already exist.

Sunscreens:

Excess exposure to sun leaves visible skin prone to aging effects of UVA and UVB rays. Increased levels of exposure can cause wrinkling, discoloration, formation of freckles and dark spots, damaging of elastin and collagen, skin cancer, as well as DNA mutations. Yes, those 2 minutes you saved by opting out sunscreen application will take its heavy toll.

Sunscreens and sunblocks are applied topically in various forms to prevent such skin related hazards. Following the age old adage of “prevention is better than cure”, sunscreen application substantially reduces chances of photo aging.

Nowadays, sunscreens with active anti-aging ingredients are on rise. These will not only prevent photo aging, but will also treat existing signs of aging. The most effective ones contain tretinoin, the efficacy of which has been already discussed in the Retinoid section as a miracle chemical with proven anti-aging as well as anti-sun damage properties. Other anti-aging sunscreens contain anti-oxidants in the form of minerals.

Vitamin C:

Vitamin C is one of the most widely used skin-care ingredient, given its astounding skin healing properties. It skin rejuvenation and anti-wrinkle properties have been scientifically proved: It is essential for synthesis of collagen in skin, thus curing wrinkles and fine lines; and it is a well-known anti-oxidant, capable of preventing skin-damage due to free radicals.

Vitamin C on its own is rather tricky, since it oxidizes instantly and may cause more harm than good when used topically. To overcome this barrier, anti-aging creams use the vitamin’s more stable and effective derivatives like magnesium ascorbyl phosphate, ascorbyl palmitate, etc.

Vitamin C taken in dietary form is good for health, but provides insubstantial anti-aging benefits for skin, since higher concentrations for anti-wrinkle properties are required than those available to skin through vitamin rich diet.

Anti-aging creams do work, wonderfully. The effects of a given anti-aging product will depend upon active ingredients in its formulation, their respective concentrations, and frequency and regularity of application. Also keep in mind that many of the active ingredients listed above work best in ‘synergy’, i.e. combined form, than by themselves. For instance, AHAs sun-sensitivity factor can be negated by adding sunscreen in its formulation, and a sunscreen with retinoid will work wonders on wrinkle-ridden skin.

For more information about anti wrinkle creams please visit: [http://www.antiwrinklecreamsblog.com/]

Article Source: http://EzineArticles.com/expert/Binh_Hanh_Thai_Nguyen/1413972

Article Source: http://EzineArticles.com/7273758

Mature Age Job Seekers – Beating the Bias

June 12, 2016 by · Comments Off on Mature Age Job Seekers – Beating the Bias
Filed under: General 

Australian business is starting to see the light when it comes to their hiring policies for mature aged employees, and the positive impact they can have on the workplace. A brief visit to main street shopping centre and you will begin to see a few more weathered faces at work than you would have seen a few years ago.

However, if you scratch below the surface, you begin to see this trend still has a long way to play out. A few older workers get hired into the senior ranks where experience and maturity are greatly valued, more older workers are now being hired at the lower end of the corporate scale into unskilled roles, however the numbers being hired into the mid tier ranks remains low.

This barbell approach to hiring mature workers at the top and bottom of an organisation reflects an ongoing bias that remains difficult to overcome. A company is a microcosm of society, and in a perfect world employers should (within reason) seek diversity in the workplace and value skill, experience and aptitude, regardless of age, race or gender.

Unfortunately, we live in a far from perfect world. When it comes to mature aged workers they tend to be penalised on two fronts. Often the first to be made redundant in uncertain economic times, this setback is then compounded when they are regularly overlooked for someone younger as they begin searching for a new job.

As a result of these two biases towards mature aged job seekers, once out of work, the journey back can often be long and arduous. This is reflected in RBA statistics which indicate long-term unemployment at approximately 40% for those aged 45-64, compared to about 25% for those aged between 25 and 44.

So what are the reasons employers provide for not hiring mature aged workers? Typically, reasons include being overqualified or over-experienced. Taken at face value being overqualified or experienced might not seem so bad, but when you hear the same reason trotted out time and again, it becomes less palatable.

Openly negative feedback from employers tend to include perceptions that mature aged workers are not as IT savvy, do not possess the latest skills, or are not as flexible as their younger counterparts. While these reasons may hold true in many instances, many of the older job seekers I speak to, believe these are often used as convenient excuses to exclude them.

Employer feedback that you are not likely to hear include concerns about health (and subsequent cost) or worse insecurity. There are many poor managers in the workplace that may be intimidated by the experience a mature applicant brings to the role. Rather than leveraging the knowledge and experience an older worker can bring to the workplace, the insecure hirer is concerned about the potential competition, and the presence of someone who may know more than they do.

Dealing with many of these preconceived concerns and fears remains an ongoing challenge for the mature aged job seeker. Perhaps the following facts should be mandatory reading for hiring managers. These facts debunk many of the concerns and myths that persist in the workplace relating to mature aged workers;

    • Mature aged workers can deliver cost savings to employers through increased retention rates. For example, workers over 55 are five times less likely to change jobs compared to workers aged 20-24, reducing both recruitment and training costs. Australian Bureau of Statistics (2006)Labour Mobility Survey,
    • Mature workers can deliver an average net benefit of $1956 per year to their employer compared to other workers due to high retention rates, lower rates of absenteeism, decreased recruitment costs and greater return on investment.Business, Work and Ageing (2000) Profiting from Maturity: The Social and Economic Costs of Mature Age Unemployment
    • Australians are living longer and are healthier.2005 ABS survey found the proportion of Australians aged 55-64 reporting their health as ‘good’, ‘very good’ or ‘excellent’ was 75.5% – an increase of four per cent since 1995. Australian Bureau of Statistics (2006) National Health Survey: Summary of Results, 2004-05
    • Mature workers were the least likely group to take days off due to their own illness or as a carer. In the two week period prior to the survey nearly half the number of mature workers had days off compared to workers aged 25-34. ibid
    • ABS data shows that Australians aged 55-64 are the fastest growing users of information technology. Australian Bureau of Statistics (2005) Year Book Australia,
  • Australian Health Management which examined the daily work habits of 4000 employees found that workers aged 55 years and over performed at their best for approximately seven hours out of an eight-hour day-an achievement that other workers in the study were unable to match. Australian Health Management (2006), Baby boomers give employers a bang for their buck

While government has been doing its part to address mature aged unemployment through initiatives like DEEWR Experience+, the introduction of the Age Discrimination Act (2004) and appointment of an Age Discrimination Commissioner, it remains imperative that older job seekers directly address some of these age bias issues themselves if they are to enhance their prospects for employment.

Following are some helpful hints that mature aged workers can utilise to make themselves more appealing to employers and thus improve their chances of a speedy return to the workforce;

Government or Community Assistance– Take advantage of government or community based initiatives and assistance. There is a considerable amount of free information and assistance available, and I would strongly recommend looking into these resources. For example, the DEEWR “Experience+” initiative provides free career planning and advice for over 45’s until June 2016, along with an Assistance Program delivering refresher and basic training in IT and social media applications.

Value Proposition– Whether writing your resume or cover letter, or sitting in an interview, ensure the focus of discussion clearly remains on the value that you can bring to an organisation. Discuss how you can help, what you have done in the past and what you can deliver going forward. Outline how your experience might bring special insights and perspectives that other candidates may not possess.

Training– Undertake relevant training or up-skilling. Keeping ‘up to date’ is critical if you expect serious consideration for any position, especially if there is a technical element. The benefit will be that an employer will see that you have not fallen behind and therefore will not require retraining, along with any associated cost.

Resume– You will need a properly structured and well written resume to be considered for most roles. Use an appropriate resume style that is tailored to your strengths, skills and experience. Also ensure primary focus of your resume is on the last 5-10 years (include older information where pertinent). Think about getting assistance from a professional resume writer, whocan add significant value if you are looking to ‘get it right the first time’.

Age Bias – To counter potential impact of age bias, you will need to carefully address the following with any potential employer;

Health– Don’t hesitate to communicate your good health and fitness to potential employers at opportune moments. Inform them if you play sport, run, walk or go to the gym regularly. This should allay any potential concerns about health.

IT Savvy –Take every opportunity to indicate your IT capability. Whether it’s your ability to use specialised systems, the MS Office suite or even your use of Facebook or Twitter, this will highlight your ability to embrace new technology.

Adaptability – Highlight your adaptability in the workplace, providing actual examples where appropriate. If you don’t know something, indicate you are keen to learn (and not that you wouldn’t know where to start). Highlighting your adaptability will help to dispel concerns of rigidness and inflexibility.

Team Player –Communicating that you work well as part of a team is critical. It shows a willingness to take direction and work for the common good, and can present you as less threatening, especially if the hirer feels concerned by a mature more experienced candidate.

Be Positive –Though you need to be fully prepared to discuss negative issues, make every attempt to keep the discussion on a positive footing. Unless specifically requested, there is no need to volunteer information of a negative nature.

While industry is beginning to see the light when it comes to acceptance of mature aged workers, the pace of change remains slow. While providence is on the right side due to the ageing Australian population and the inevitable necessity to hire older workers, the fact remains that age discrimination is still entrenched in much current thinking.

As a result, dealing with age bias will continue to be a challenge for the foreseeable future. However with the combination of positive government policy, changing attitudes and a proactive attitude to making oneself more appealing to employers (as outlined above), the situation is not without promise.

Honing your individual approach and message will take time and effort. To strike the right balance the mature job seeker will need to walk a fine line between sounding experienced, but not old, adaptable, but not inflexible and appear keen, not desperate. There is no magic formula for success except practice, perseverance and occasionally seeking help where necessary.

A.J. Bond, is the proprietor of Absolute Resume Writing Services ( http://absoluteresume.com.au ), an Australian based consultancy specializing in the provision of Resume and Cover Letter writing services.

Absolute Resume assists a broad range of job seekers to find their preferred roles, including mature aged job seekers, individuals out of work for a period of time and those made redundant.

Article Source: http://EzineArticles.com/7334746

Aging And Anti-Aging Products

May 16, 2016 by · Comments Off on Aging And Anti-Aging Products
Filed under: General 

As you age, different processes in your skin change its appearance, activity and structure. The aging skin has reduced cellular activity, less collagen production, lowered epidermal turn over and damage accumulation as a result of free radicals from UV exposure. All these changes contribute to the aging process and leave you with apparent signs of aging such as wrinkles, fine lines and dark spots. They come about because the skin loses moisture and elasticity from all the aging changes. Using anti-aging cream can help fight the signs because a good cream reduces the wrinkles by improving skin elasticity and also offers deep skin renewal and cellular rejuvenation by enhancing collagen production.

Causes of premature skin aging

What most people don’t know is that the aging process can actually be slowed by living healthy lifestyles. This way, you won’t have to start using anti-aging products until much later in life. When you take good care of the skin, you will prevent premature aging, which results from things such as;

· Psychological stress

· Unhealthy diets

· Nicotine

· Excessive alcohol consumption

· UV radiation

All these factors put you at risk of free radical formation leading to premature skin aging. A few lifestyle changes might be all you need to maintain a youthful look before it is time to use a wrinkle cream. To block out sun damage, you can use a day cream and sunscreen.

Using Anti-Aging Creams

Skin aging processes can start at different times for different individuals depending on the factors. Skin professionals advise that you start giving the skin some protection from aging between the age of 25 and 30. Anti-aging creams with hyaluronic acid and creatine are some of the best in protecting the skin from harmful UV rays. Today, it is easy to choose the best anti-aging creams since you can choose for your specific skin type or your age. You will find anything from anti-aging 20s cream to anti-aging cream 50+ products. The categorization is important because skin at different ages require different treatments for the best results to be enjoyed.

As for eye creams, you can start using them as soon as you see signs of aging around this thin skin. Even younger people have issues of dark circles as well as puffiness and wrinkles around the delicate skin eye. It can be beneficial to use eye creams before turning thirty.

When using ant-aging creams, most people expect instantaneous results. However, it is important to remember that your results will depend on your type of skin and the condition of the skin when you start using the products. Regularly using your products will of course hasten the process but it is also important to adhere to the given directions of use for best results. When using quality anti-aging creams, you will feel a change in your skin texture after a few days and you should see improvements as with the appearance of the wrinkles and fine lines as you continue using them. Choose quality products and be consistent with your use.

Anti-aging cream 25 year old [http://www.amazing-anti-aging-cream.com/] beginnings can help a lot in maintaining a youthful beautiful skin. Choosing quality products is however also paramount in pushing you closer to the expected results.

Article Source: http://EzineArticles.com/9067111

Debt and Senior Citizens by David Cunningham

August 28, 2013 by · Leave a Comment
Filed under: Articles 

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We are in a consumer driven world. There are so many things all around us that make our lives easier and, in a way, influence us to think that we must have them. There are always things that we want which we simply cannot afford. As banks and credit card companies mushroom out of control, we are barraged with opportunities to accept so-called help from these financial institutions just so we can buy more merchandise we want but do not need.

The best part is that you do not even have go to them asking for the credit that you want. They will be at your beck and call offering credit cards, store credit cards (from those stores you wanted to purchase from anyway), merchandise cards (you’re given hundreds of dollars in credit to purchase from the company’s specific catalog), and leasing arrangements that allow you to pay over time.

The only problem with buying on credit is paying it off. Using an analogy, it is easier to step into quicksand than it is to get out. There isn’t always a branch lying around attached to a willing helper. Credit may be no problem if your current job earns enough money to repay your debts completely each month. It simply becomes part of your overall expenses. What happens, though, when your debt overextends your pay check?

Unfortunately, retired senior citizens are more susceptible to this pitfall. In prior years, they worked and earned a certain amount of money, but upon retirement are saddled with little more than Social Security – definitely a blow to the pocket book. Their income is not as flexible as it once was. There are solutions, however, from which seniors can benefit. Some are even geared specifically toward them.

As a senior citizen, you can request the help of a professional. Financial advisors are available to help tackle your problems. Asking for the aid of one such professional can save you a great deal of anxiety, credit ruin and, more importantly, stress. Your financial advisor can act as a mediator between you and creditors to develop “payoff amounts” that won’t leave you destitute – and usually at a fraction of your current payments. If you feel that you’re drowning financially, you shouldn’t wait until the water is over your head. Contact a financial advisor now for assistance.

Before meeting with an advisor, there are steps you should take to be best prepared for the discussion. Grab a notebook and pen to list all your creditors. List them in order of importance, starting with your mortgage (or rent or community fees, etc.) and ending with small payments like store credit cards. List their amounts as well. If you owe $50,000 on your home then list $50,000 and your current monthly payment. For example:

ABC Mortgage Company $50,000 (debt), $775 (monthly payment)

Listing the information this way will show your credit advisor that you are serious about getting your debt in order. It also is incredibly useful for the advisor in contacting your creditors since your financial advisor can then, at a glance, see what you owe and to whom. A sample short list follows below.

It is important that you have a clear comprehension of your financial situation. The best solution to debt is to not get into any that you cannot handle. However if you have already reached that “destination,” especially as a retired senior, then utilizing a financial advisor is certainly a great option to help rid yourself of the burden.

And now, the sample I promised:

John Smith

Total Monthly Income: $1200

DEBTS / MONTHLY PAYMENTS

ABC Mortgage $50,000 (debt), $750 (monthly payment)

Car Payment $20,000 (debt), $450 (monthly payment)

Credit Bank #1 $3,000 (debt), $25 (monthly payment)

Credit Bank #2 $1,200 (debt), $15 (monthly payment)

Store Credit Card #1 $5,000 (debt), $75 (monthly payment)

House Phone $50 (monthly payment)

Cell Phone $55 (monthly payment)

Total Debt $79,200

Total Monthly Payments $1,400

As you can see from this example, this person is losing $200 every month ($1400 monthly payments minus $1200 income). A financial advisor can usually negotiate with the credit card companies. They may even suggest that this person discontinue either their home phone or cell phone, for example, as most can probably get along with just one or the other.

For practical debt & credit assistance [http://www.debt-credit-assistance.com/credit_card_debt_solutions.shtml] information, please visit [http://www.debt-credit-assistance.com], a popular site providing great insights concerning how to address your issues and worries related to nagging debt struggles [http://www.debt-credit-assistance.com/usa_debt_management.shtml].

Article Source: http://EzineArticles.com/?expert=David_Cunningham

 

Bodybuilding Health – Exercises For Senior Citizens by Machahi John Joel

June 27, 2013 by · Leave a Comment
Filed under: Articles 

Crafting the ideal bodybuilding program

With the special concerns highlighted above, the training program, the bodybuilding exercises, the intensity and frequency of training must be precisely considered before setting up the ideal program. Remember that at this age, most senior citizens have assorted health complications ranging from hypertension, diabetes to kidney failures. The body is particularly susceptible to accumulating fats and the metabolism is usually skewed.

The contemporary health and fitness approach, that is the approach of initiating bodybuilding training as a means to optimal health and physical fitness, requires that everyone remains active in the gym, regardless of age. The idea therefore, is to design a bodybuilding training regimen that counters these age-borne adversities and thus maintains the body at a prime state.

The special features of their training program

The programs for older adults must feature:

 

  • Aggressive weight loss strategies
  • Increased cardiovascular exercises for a healthy cardiovascular system and weight loss
  • Moderate intensity in weight exercises to stimulate muscle growth
  • Endurance training to strengthen the bones
  • Proper diet rich in minerals like iron and calcium
  • Reduced training frequency (Ideally at two days a week)
  • Reduced training duration (Ideally at 35-45 minutes)

Ideal Kinds of Exercises 

There are particular bodybuilding exercises that must be incorporated in the training regimen for senior citizens. Remember that the exercises must be construed as intent on assisting the older adults regain or maintain their health and physical fitness. They should incorporate four distinct types of exercises namely:

 

  • Weight lifting exercises for strength (Maintain an intensity level between low and medium)
  • Balance exercises that stimulate physical fitness (Ideally done using free weights i.e. side leg raises)
  • Stretching exercises for flexibility
  • Endurance exercises that last longer but with a minimal intensity i.e. jogging, walking, swimming or riding a bicycle.

 

For these exercises, two workout sessions of 40 minutes each will be ideal. In most cases, a senior citizen is advised to contract a fitness trainer or at least to consult one regularly. This will ensure that his or her bodybuilding program is comprehensive, safe and beneficial. That means that they can craft a workout schedule like the following:

Monday

· Pre-workout warm up – 5 minutes

· Endurance exercises – 15 Minutes

· balance exercises for – 15 minutes

· Post workout warm up – 5 minutes

Thursday

· Pre-workout warm up – 5 minutes

· Stretching exercises – 15 Minutes

· Weight exercises for – 15 minutes

· Post workout warm up – 5 minutes

Two individuals cannot craft a similar bodybuilding regimen. Older adults must design their own program based on:

· Age

· Body strength

· History in the gym

· Medical status of health

· Body fat ratio

· Daily activity levels

· Diet program

· Diet supplementation

Conclusion

There are some particular issues that need to be considered even as the program takes off. Lets us regard these as safety tips that will assist senior citizens in deriving maximal benefits from bodybuilding training despite advance in age. Here they are:

· Consult the physician before initiating any bodybuilding training and severally while on the program

· The light activities should always begin a training session and the intensity should then increase gradually

· Warm ups are a must before and after a training session

· Keep the body well hydrated before, during and after workouts

· Rest durations must be at least 72 hours long

· Proper dressing and protective gear must always be worn while in the gym or on the track

There is a link between a bodybuilding lifestyle and optimal health. Once an individual strikes that link, he or she attains optimal physical fitness as a by-product. With the right information, you can easily set up a training regimen that is centered on bodybuilding health. From this program, muscle mass and strength will accrue and with it physical fitness.

Machahi John Joel is a successful body builder who has spent the last four years pumping iron. It is from this background that he now writes expert articles trying to expound on the link between bodybuilding, health and physical fitness. Learn more about that critical link at [http://digitalhealthandfitness.com/]. In this information age, you need a digital connection to a happy life.

Article Source: http://EzineArticles.com/?expert=Machahi_John_Joel

 

Senior Citizens Need Their Pets by Debbie Foster

June 17, 2013 by · Leave a Comment
Filed under: Articles 

Most senior citizens who have pets treat them like they are their children. Of course, you don’t need to be a senior to do that, but homes without children of the human kind truly do have children of the furry kind.

In addition to providing companionship, unconditional love and a calming effect, larger pets can also provide a sense of safety to seniors. Its also been shown that people who have pets tend to live longer. Pet ownership, as we all know, also has its responsibilities. Sometimes these responsibilities are more difficult on seniors and keeping their pets can present problems. The escalating cost of veterinary bills and the ability to transport their pets when many don’t drive are very real issues.

Several cities in Colorado have been surveying their veterinarian population to find out which ones offer discounts to senior citizens for pet care, as well as which ones either make home visits or provide some type of transportation assistance and other help. In Fort Collins, their Senior Advisory Board obtained a grant allowing it to start a mobile veterinary service for seniors called Elder Pet Care. What a great idea!! Seniors are charged based on a sliding scale for veterinary services performed at their homes. The program is now self-sustaining after ten years.

Some transit systems, like the city of Loveland, CO are also on board by allowing pets to ride in crates. Transit systems in Boston, Toronto, Seattle and San Francisco allow full size dogs on leashes to come on board as well as ferries in some of these cities.

I think all these programs are worth duplicating across the United States. Next time you’re at your vet, why not ask if they’re involved in any programs that offer discounts or mobile pet care to seniors. After all, it never hurts to ask!

Debbie Foster is the owner of Pet Beds Unlimited and an avid animal lover. You can find a wide selection of quality pet beds, dog crates, dog carriers [http://www.petbedsunlimited.com/dog_carriers.html], dog pens [http://www.petbedsunlimited.com/dog_pens.html], cat beds, cat carriers and pet strollers at [http://petbedsunlimited.com]

Article Source: http://EzineArticles.com/?expert=Debbie_Foster

Caring.com’s New Referral Program Supported by Leading Assisted Living Operators

June 5, 2013 by · Leave a Comment
Filed under: Articles 

Caring.com’s New Referral Program Supported by Leading Assisted Living Operators

Caring.com Named Preferred Provider by Assisted Living Federation of America (ALFA)

SAN MATEO, Calif., May 6, 2013 /PRNewswire/ — A group of the nation’s largest senior living providers — including Brookdale Senior Living (NYSE: BKD), Emeritus Senior Living (NYSE: ESC), Benchmark Senior Living, and Senior Star — have chosen Caring.com as their agency of record for national buying of Internet leads for families looking for housing and care for their elderly loved ones. Separately, the Assisted Living Federation of America (ALFA) named Caring.com as its preferred partner for Internet marketing services.

(Logo: http://photos.prnewswire.com/prnh/20070921/AQF020LOGO)

With surging demand in the U.S. senior housing market, more Americans than ever before are turning to the Internet and online word of mouth to find and select the best senior living providers for their senior loved ones. About 30-50% of the senior living industry’s leads are coming from the Internet and that number is expected to rise, as tech adoption among baby boomers and seniors alike continues to increase. Whether seeking independent livingassisted living, or memory care, about two million consumers every month turn to Caring.com to find expert guidance about their options, research local providers, and get help in making well-informed selection decisions.

The country’s top senior living providers have chosen Caring.com to increase visibility of their senior living communities, optimize inquiry-to-visit rates, and leverage Caring.com’s resources to better nurture leads from the moment the search begins, through the research and decision-making phases, all the way to community selection and move-in.

In Q4-2012, Caring.com expanded its service offering with the launch of a new toll-free referral help line. Available seven days a week to those seeking senior housing, Caring.com’s family advisors explain different types of senior living options, help identify local senior communities matched to the prospective resident’s needs and preferences, schedule tours, share and encourage consumer reviews, and answer a range of senior living questions. With this added consumer support infrastructure, as well as other new and expanded capabilities for lead qualification and nurturing, the group of senior living community partners announced Caring.com as the agency of record for lead qualification and development, starting January 1. The help line is now referring nearly four thousand prospective residents per week.

“Caring.com has been great to work with as they’ve added the referral model to their business,” said Jayne Sallerson, executive vice president of sales and marketing at Emeritus Senior Living. “Emeritus wanted to consolidate our Internet lead buying with a company we could trust, and Caring.com has demonstrated their commitment to consumers, to us, and to the industry. Their new program is showing positive signs of increased tours and conversions.”

“Caring.com has proven themselves to be a strong partner for Brookdale,” said Jim Pusateri, senior vice president of sales at Brookdale Senior Living. “Working with fewer Internet lead sources has improved our operational efficiencies, lowered our marketing costs, and improved consumers’ experience with Brookdale Senior Living.”

Separately, ALFA, the largest national association of providers of professionally managed communities for seniors, signed Caring.com as its preferred provider for Web-based lead services as well as to power the organization’s new ALFA Senior Living Community Directory.

“Caring.com is our preferred provider of Web-based services because they are an exceptional online resource,” said Richard P. Grimes, president and CEO of ALFA, which is the largest national association exclusively dedicated to professionally managed, consumer-driven senior living communities. “Caring.com’s high-quality content, easy-to-use directory, and online reviews help prospective residents and their families find the right solutions for their needs — this is good for consumers and good for senior living.”

“From the beginning, we’ve focused on building the most comprehensive and most credible online resource to help those caring for a senior parent, spouse, or other loved one,” says Andy Cohen, co-founder and CEO of Caring.com. “Unlike some other Internet resources that will only share information about those providers who pay them, we’ve stayed true to our social mission and help connect consumers to a variety of quality resources for their needs. Working with ALFA and the leading senior living communities helps enable our ability to best serve those in need of senior care — and we continue to offer referral to free and low-cost support resources as well.”

More information for senior living providers interested in partnering with Caring.com is available here: http://providerinfo.caring.com/ProviderGetListed.html Consumers can begin their search for senior housing here: http://www.caring.com/local

About Caring.com
Caring.com is the leading website for family caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. Caring.com provides helpful caregiving content,online support groups, and the most comprehensive Senior Care Directory in the United States, with 35,000 consumer ratings and reviews and a toll-free senior living referral line (1-866-824-8174). In January 2012, Caring.com launched the Caring Stars award program recognizing America’s best assisted living communities based on consumer reviews. This year, 383 communities in 40 states were named the Caring Stars of 2013. Based in San Mateo, California, Caring.com is a private company funded by DCM, Intel Capital, Shasta Ventures, and Split Rock Partners. Connect with Caring.com onFacebookTwitterGoogle+, PinterestLinkedIn and/or YouTube.

CONTACT: PR@caring.com, 650-762-8190

Top 10 steps to prepare for a remodel

June 5, 2013 by · Leave a Comment
Filed under: Articles 

Top 10 steps to prepare for a remodel

NARI offers tips in honor of National Home Improvement Month.

  

Des Plaines, Illinois, May 8, 2013—In honor of National Home Improvement Month this May, the National Association of the Remodeling Industry (NARI) advises homeowners of the 10 most important steps to take before the remodeling project starts.

“The planning and researching phases of a project are the most critical steps in the remodeling process,” says NARI National President Art Donnelly, MCR, CKBR, Legacy Builders & Remodelers Corp., based in Mount Sinai, N.Y. “The more knowledgeable and prepared a homeowner is, the more they protect themselves.”

What can a homeowner do to prepare for a remodel? NARI provides a top 10 list of steps homeowners should take before breaking ground on their next remodel.

  1. Research your project. Taking time to research projects on the Internet and NARI.org will provide a good sense of what is involved such as price, scope of work, return on investment and new product/material options. Also, research property values in your neighborhood to make sure your project is in line with other homes in the area.
  2. Plan project around the long-term. How long do you plan to stay in your home? How might your family structure change over time? Life can change quickly—these questions should be answered early on to ensure your project will fit your lifestyle long after it’s complete.
  3. Set your budget. Deciding on a realistic budget and arranging finances to support your project are essential. This number needs to include everything—the project, products, contingencies, etc. Don’t be afraid to share this with your remodeler; professionals are respectful of a client’s budget and will create a plan around it, not over it.
  4. Use advanced search for professionals. The online world makes it easy to gather information about strangers. Ask friends, family and neighbors for referrals and then spend time researching that person online. Professional remodelers take their reputation seriously and hold credentials beyond licensing, such as certifications, memberships in trade associations and additional training. Look for examples of press coverage or involvement in industry presentations or events. Check online reviews and social media to see how they interact with past clients and peers.
  5. Ask the right questions. Time and cost are important, but getting the right information requires the right questions. Ask your professional remodeler about his educational background, training, specialties or past issues with clients. Ask about how the remodeling process will work.
  6. Verify your remodeler. Don’t take their word for it. Check the information given to you such as references, license numbers, insurance information and certifications by calling providers to verify. Request a visit to an active client’s jobsite. Make it known that you are checking on him—a true professional considers that as a positive sign to working with a homeowner.
  7. Review contracts word-by-word. A remodeling contract protects you and your remodeler. Homeowners should review this carefully. Professional remodelers have done this before, and know what should go in a contract. Homeowners are not as familiar with remodeling and should ask about terms if they don’t understand. Pay attention to details about change orders, payment, additional fees, timeline and responsibilities. If it’s not in the contract, it doesn’t exist.  
  8. Keep design in mind. Your design guides the entire project. Think about what you dislike about your current space and the intended use of the new space. Use Websites such as Pinterest.com and Houzz.com to gather design ideas. Make sure you can articulate specifically what you like about that design when talking to your designer. Professionals don’t recreate a photo—they incorporate accessibility, functionality, ease of modification, style and value into your design.
  9. Make your selections. Deciding on products and materials is a larger process than most imagine. With so many options to choose from, product selections are one of the primary reasons for project timelines to get extended. Base decisions on quality, function, price, style and availability. Include selections in the contract to lock down pricing and keep your budget intact.
  10. Create a communication plan. A common downfall in remodeling is lack of communication between homeowners and remodelers. Your remodeler should lay out a communication plan at the beginning of the project. If not, ask them to do so. This plan should clarify roles of everyone involved, communication methods, availability, and frequency of communication that is expected.

As an industry that struggles with a persistent negative perception of remodeling contractors, these tips serve both the industry and consumers in elevating real professionals from the pack.

The first step to hiring a professional is through NARI, whose members are vetted and approved by industry peers to ensure they live up to the professional standards that NARI sets. “NARI members are proud of their affiliation and commitment to professionalism, and it’s a reputation they work hard to protect,” Donnelly says.

Consumers may visit www.NARI.org to find a qualified professional who is a member of NARI or call NARI National at (847) 298-9200 and request a free copy of NARI’s brochure, “How to Select a Remodeling Professional.”

Click here to see an online version of this press release.

EDITOR’S NOTE: NARI can provide hi-res digital photos of award-winning projects to accompany your story. Contact NARI with your photo request at marketing@nari.org or ask for Morgan Zenner at (847) 298-9200.

# # #

About NARI: The National Association of the Remodeling Industry (NARI) is the only trade association dedicated solely to the remodeling industry.  The Association, which represents member companies nationwide—comprised of 63,000 remodeling contractors— is “The Voice of the Remodeling Industry.”™ To learn more about membership, visit www.NARI.org or contact national headquarters, based in Des Plaines, Ill., at (847) 298-9200.

Top 100 Blogs On Senior Rights, Elder Law, And Anti-Ageism

June 5, 2013 by · Leave a Comment
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Top 100 Blogs On Senior Rights, Elder Law, And Anti-Ageism

At a time when thousands of Baby Boomers are reaching the age of 65 every day, the issues of senior rights, elder laws, and anti-ageism have never been more important, more volatile, or more questioned. After all, this is the generation that was ready to take down the establishment fifty years ago, and they haven’t lost any of their desire to change the world for the better. And, they have the numbers to do it. Here are our 100 top blogs for seniors dealing with senior rights, law & policy, and anti-ageism.

Boomers Against The Law

  1. Elder Law Plus: lawyer Evan H. Farr blogs about topics concerning elder law, including probate strategies and parental care.
  2. Michigan Elder Law Blog: the attorneys at Barsch & Joswick provide seniors and their loved ones with sage advice on a variety of Elder law issues.
  3. Everything Elder Law: Evan Farr is back at it again, this time focusing on Elder Law news, concepts, and innovations from around the country.
  4. Massachusetts Estate and Elder Law Blog: lawyer and blogger Stephanie Konarski gives tips on estate planning and other elder law topics.
  5. New York Elder Law Attorney Blog: your source for elder law news and comment in New York, this blog analyzes nursing home legislation and elder care costs.
  6. Elder Law Prof. Blog: Elder Law professor Kim Dayton authors a really nice blog that covers a wide range of Elder law issues, from Supreme Court cases to seminars.
  7. The Pop Tort: can a consumer advocates blog dealing with civil justice be cute? This blog proves it can, complete with an adorable “Pop Tort” logo, even while exploring such issues as Medicare and Medicaid lawsuits, nursing home scams, and medical malpractice against the elderly, among other legal issues.
  8. Supportive Senior Solutions: this blog from a geriatric care management practice in New York covers issues related to geriatric care, caregiving, and healthcare laws for the elderly and infirm.
  9. Aging Beats the Alternative: elder care specialist Lorie Ebers uses her blog to talk about overcoming the challenges of aging, caring for aging parents, and the less talked about side of elder law: Boomer divorce.
  10. Elder Law Blog: lawyer Ronald C. Morton’s elder law blog is full of sage advice for seniors looking how to tap into Veteran’s benefits, how to plan for their golden years, and more.
  11. The Best Elder Law Blog: published by the attorneys at Lamson & Cutner, this blog discusses elder law cases, the Affordable Care Act, and same-sex marriage.
  12. Elder Law Tips and News: the lawyers at Cooper, Adel & Associates bring you posts on living trusts, aging issues, and general estate planning.
  13. The Connecticut Elder Law Blog: lawyer Michael Keenan provides his readers with estate planning tips, elder fraud, and Medicare rules.
  14. The Teddy Bear Lawyers: attorney Rick Law gives readers a great resource for Elder Law in the Chicagoland area. Find articles on protecting vulnerable seniors and financial planning.
  15. Oregon Elder Law: attorney Orrin Onken blogs on elder law, estate planning, and probate proceedings in plain, easy to understand language.
  16. Florida Elder Law and Estate Blog: this informative blog includes great articles on VA benefits, estate planning, and trusts.
  17. Golden Law Center: written by attorney Sasha Golden, the Golden Law Center blog discusses elder law, special needs planning, guardianship, wills and trusts, and estate administration.
  18. Kraft Elder Law: attorney Robert Kraft blogs about Medicaid, Medicare, wills, trusts, probate, veterans benefits, and other elder law topics.
  19. Pennsylvania Law Blog: this elder law blog by the attorneys at the law offices of Shober & Rock discusses Medicaid, taxes, Veterans, banks, and annuities.
  20. Long Beach Elder Law Blog: this blog focuses on elder abuse, estate protection, the Cal MediConnect program, and reform of health law.
  21. Houston Elder Law Blog: the folks at Wright Abshire Attorneys blog about care planning, estate planning, Medicaid Planning, Probate & Estate Administration, and and Veteran’s Benefits.
  22. Hauptman Law Blog: readers of this blog can learn more about elder, estate, and special needs law. Includes articles on the Medicare Settlement and VA Aid.
  23. Fulkerson Elder Law Blog: the function of this elder law blog is for the firm to respond to common questions clients have about elder law and review developments in the law impacting elder law and estate planning.
  24. CMLP Estate Planning and Elder Law Blog: readers can look forward to reviewing articles on simplifying their estate plan and elder law news items of note.
  25. Massachusetts Estate Planning and Probate Blog: attorney Matthew Karr keeps readers up to date on estate planning and probate news and information.
  26. Marshall Elder and Estate Planning Blog: the author of this elder law blog has over 30 years experience in estate planning, special needs planning, and estates.
  27. Hartford, CT Elder Law Blog: the attorney’s at Ruggiero Ziogas & Allaire discuss estate planning, care planning, Medicaid, Veteran’s Benefits, and Probate.
  28. El Paso Elder Law Blog: the law firm of Stephanie Townsend Allala and Associates blogs on estate planning, guardianships, Medicaid Planning, Nursing Home Abuse, and Trust & Probate.
  29. Miami Probate Law Blog: the folks at the Byrant law firm keep readers up-to-date on estate administration, probate court, estate litigation, and the nuisances of will and trust disputes.
  30. Elder Law News: attorney Brian A. Raphan is based in New York City and specializes in Wills, Estates, Trusts, and Elder Care issues. His blog is full of great resources.
  31. Aging & Law in West Virginia: this blog contains news in law and aging in West Virginia, written by the West Virginia Senior Legal Aid organization.
  32. Florida Elder Law and Estate Planning: this Florida Certified Elder Law attorney provides in depth insights and news to help Floridians protect themselves and preserve their assets.
  33. Family Law Blog Maryland: while this blog looks at all matters pertaining to Family Law, elder law sneaks in as a prevalent theme in many of the cases discussed. They look at legal matters like when divorce and retirement coincide, or when grandparents wish to take custody of their grandchildren.
  34. Phoenix AZ Family Law Blog: looking at issues older couples face in Arizona, this family law blog explores the specific challenges elders face in divorces and custody battles, complete with the latest policy changes and laws.
  35. Otherspoon: hospice volunteer and blogger Ann Neumann talks about care-giving and the realities, politics, and senior rights involved in death and dying.

Seniors Talk Policy And Politics

  1. Aging in Place: this blog is concerned with seniors who are dealing with shrinking benefits and increasing costs—seniors find answers on how to protect themselves.
  2. Estate in Denial: providing news, analysis, and commentary on abusive practices occurring in probate courts. Features original perspective and direct communication.
  3. Florida Estate Planning Lawyer Blog: this blog covers estate planning legal issues, cases of interest, and news with a focus on Florida elder law.
  4. McGuire Woods: the people at McGuire Woods author this great blog on long term care legal issues, including timely news, articles, and white papers.
  5. Illinois Estate Planning & Elder Law Blog: published by the law office of Wilson & Wilson, this blog covers asset protection, banking, estate planning, and trusts.
  6. Illinois Nursing Home Abuse Blog: covers Illinois nursing home law, including Supreme Court cases and other information relating to residents and family members.
  7. Law Office of Donald D. Vanarelli Blog: provides readers in New Jersey with information on elder law, estate and special needs planning, and mediation services.
  8. Maryland Nursing Home Lawyer Blog: this blog offers insight on nursing home abuse reports, legislation, and legal opinions of elder law in Maryland.
  9. Massachusetts Estate Planning, Probate & Elder Law: elder law attorney Brian Barreira writes on legal issues involving death, taxes, special needs, and long-term elder care.
  10. New Jersey Estate Planning & Elder Law Blog: blog posts explore life and death in New Jersey from a perspective of estate planning, elder law, taxation, probate, and estate administration.
  11. Medina Law Group: postings provide readers with advice on estate planning and management, estate taxes, elder law, and VA benefits.
  12. North Carolina Wills and Trusts: this blog provides readers with estate planning and elder law news with a North Carolina focus.
  13. California Nursing Home Abuse Law Blog: covers nursing home abuse, elder law abuse, and features many quality articles relating to California elder law.
  14. Nursing Home Law Blog: this well written blog discusses elder issues, legislation, legal news, protections of elder rights, and helpful health tips.
  15. PA Elder Estate and Fiduciary Law Blog: focuses on elder law, long-term care, end-of-life and health care surrogate decision-making, and estate planning.
  16. Patti’s Blog: find information about this lawyer’s practice, which concentrates on advocacy for seniors. She shares personal interests and her passions.
  17. Pennsylvania Nursing Home Abuse Lawyer Blog: this blog discusses nursing home abuse laws, cases, and news items from Pennsylvania.
  18. Barbara Cashman Blog: Barbara blogs about elder law and policy issues, and often hosts guest bloggers to share their insights on elder law and news.
  19. NJ Elder Law: lawyer Kenneth Vercammen blogs about topics related to estate planning and elder law. He was once awarded the NJ State Bar Municipal Court Practitioner of the Year.
  20. The Senior Sentinel: a blog compiling news and information for Baby Boomers, the Senior Sentinel concentrates on the intersection of ageism and public policy both nationally and world-wide.
  21. Elder Consult: this geriatric medicine blog not only covers Alzheimers, dementia, financial decision making, and medications, it also discusses related legal issues such as elder financial abuse.
  22. Grey Pride: a UK blog by the Anchor Digital Marketing team is dedicated to keeping older people at the top of the political agenda and petitioning the government to create a Minister for Older People to ensure their needs are met.
  23. Over 65 Blog: project organizers from Harvard, Yale, and The Hastings Center host this blog for “seniors seeking solutions for health care and security, mainly looking at health care system reforms, elder law policies and practices, and how seniors can achieve a stronger role in the future of health care.
  24. Reaping Hope Blog: a blog from an NGO in Nepal promoting dignified aging and elder rights, Reaping Hope explores elder abuse and elder oppression while actively helping elderly people claim their rights and challenge discrimination.

Age Against The Machine: Anti-Ageism

  1. Ageist Beauty: the musings, product reviews, and random thoughts of a woman who is fighting against her age.
  2. Everyday Ageism Project: this blog aims to capture people’s everyday experiences dealing with ageism. The author has discovered that ageism is the most commonly experienced form of prejudice.
  3. The Lonely Gerontologist: professor Kelly Yokum blogs about all things aging—including aging stereotypes and other aging topics that come to mind.
  4. My Elder Advocate: this blog provides comprehensive coverage of ageism, the dangers of nursing homes, elder abuse, and elder care.
  5. The Roaming Boomers: David and Carol are great examples of a couple who doesn’t let age get in the way of living life to the fullest.
  6. The Gypsy Nester: Veronica and David show readers how to rock the empty nest and get the most out of life as you age.
  7. Changing Aging: this multi-blog platform challenges conventional views on aging. The authors believe aging is a strength, rich in developmental potential and growth.
  8. The Elders: founded by Nelson Mandela in 2007, the Elders is a group of seniors committed to addressing global challenges, including child marriage and climate change.
  9. Beauty and Wisdom: the blog of photographer Robbie Kaye, who traveled to salons throughout the US to photograph and interview women in their 70’s, 80’s, and 90’s and discovered that beauty is ageless.
  10. Advanced Style: don’t tell these women they are too old to model hip and alluring fashions. This blog teaches women how to dress to impress and that age is only a number.
  11. RL TV: the only cable network and online destination for folks 50+, features a nice blog that provides tips on elder issues and promotes active living.
  12. The 70-Something Blog: blogger Judy informs readers how to live a full and engaging life as she chronicles her journey of aging.
  13. Retirement is Work: newly retired librarian and blogger resolves to post one good thing about retirement every day for a year, but along the way struggles with senior rights and anti-ageism.
  14. Yo Is This Ageist?: a humorous blog by Ashton Applewhite dedicated to determining whether age-related remarks are offensive, “challenging the stereotypes that segregate us by age.”
  15. This Chair Rocks: a smart and sassy blog by Ashton Applewhite that challenges the ideas of ageism with humor and snark. All stereotypes and insensitive remarks are grounds for brilliant blog posts.
  16. Senior Planet: “aging with attitude” is the tagline of this blog community of older adults using technology to connect with each other and take on the issues of ageism and senior rights.
  17. Changing Aging: a blog founded by Dr. Bill Thomas to promote “a radical reinterpretation of longevity” which focuses on anti-ageism and senior rights, as well as getting the most out of a long life.
  18. Time Goes By: Ronni Bennett takes on aging, ageism and related issues with humor, exploring the truth of “what it’s really like to get old.” She starts by rejecting the “cutesy” terms for old people – they’re called “elders” around here!
  19. The Magic of Middle-Aged Women: author Daniel Even Weiss – a man – blogs on the theme of his latest book, The Magic of Middle-Aged Women, where he challenges the prevailing ageist idea that women don’t get better as they age. They do.
  20. Advanced Style: Ari Seth Cohen, a young-ish photographer, roams the New York City streets photographing stylish and creative elders. Here, art challenges the paradigm that age and beauty can’t co-exist.
  21. The New Old Age: the New York Times blog on aging takes advantage of the newspaper’s top writers to explore the unprecedented intergenerational challenge of the Baby Boomers.
  22. The Little Old Lady Stays Put (or doesn’t): explores the “lives, lifestyles and issues of interesting older people,” touching on the issues surrounding ageism, elder rights, living with dementia, and overcoming the struggles of aging with strength and good humor.
  23. Naked at Our Age: advocate of ageless sexuality, Joan Price, talks about sex and aging, taking on Senior Rights subjects like safer sex for seniors while providing helpful tips.
  24. Aging & Work at Boston College: scholars, academics, and researchers share their findings on ageism in the workplace and the challenges aging workers face in this PhD-heavy blog by The Sloan Center on Aging & Work at Boston College.
  25. Ethnic Elders: this newsy blog by New America Media examines the Senior Rights issues and Elder Law of minority groups such as age discrimination, lawsuits related to Social Security, and elder healthcare reform.
  26. The Everyday Ageism Project: blending blogging and research, this site’s goal is to capture the experience of age discrimination. The forum is full of people sharing their experiences in a supportive environment.
  27. Huffington Post’s Senior Citizens Blog: the Huffington Post’s Senior Citizens sub-blog offers wide ranging posts on issues including senior rights and ageism – with its signature left-wing perspective.
  28. Clinical Geriatrics: created as more of a peer-reviewed clinical journal by the American Geriatrics Society, some of the top scholars in geriatrics converge on this blog to discuss geriatric health and wellness issues, which often cross over into legal and anti-ageism issues.
  29. Age Action Alliance: this organization brings together a network of 300 organizations and individuals committed to helping older people. Its blog is dedicated to improving older people’s lives through advocating against ageism, particularly in Britain.
  30. Manitoba Senior Centres: this Canadian blog covers the rampant ageism in Canada and promotes world elder abuse awareness. It also has a list of resources for older adults.
  31. Fierce with Age: defying ageism goes mainstream at this blog, created by veteran journalist Dr. Carol Orsborn. Having written about the Boomer generation for major newspapers and blogged for the Huffington Post and NPR’s Next Avenue, Orsborn is well equipped to take on the spiritual and policy hurdles of aging.
  32. Live Better Boomer!: a Philadelphia-based blog, by social worker Tiffany Matthews, devoted to helping educate and empower Boomers advocate for their own improved healthcare.
  33. Third Age: billed as “health for Boomers and beyond,” Third Age offers relatively fluffy fare, like “Change your Mood with Color,” to the legal issues surrounding Boomer divorce and care-giving.
  34. The Old Gunhand: one facet of senior citizen rights you don’t see every day is elder gun advocates. This website not only tells you the best types of guns for elderly wielders, it also goes into gun policy and senior self-defense.
  35. Age Discrimination Info: a simple name for a one-stop source of statistics and information on age discrimination, including legislation, cases, news, publications, events and training. The perfect resource for the activist.
  36. Age UK: the largest organization in the United Kingdom for working with and for older people, this website has an entire section dedicated to age discrimination and ageism.
  37. National Youth Rights Association: not just for youngsters, the National Youth Rights Association combats ageism in all its forms. In fact, they probably wouldn’t appreciate being called “youngsters.”
  38. Disability and Representation: a blog by writer, photographer and activist Rachel Cohen-Rottenberg that discusses (and tries to change the discourse about) disability rights and ageism, along with autism.
  39. Over 50: Career coaching and workshops for the over-50 crowd, this blog doesn’t stop at finding a job. This site explores Baby Boomer activism in and out of the workplace.
  40. Activist Post: while this blog deals with many topics requiring advocacy, they often include issues that regard Senior Rights, Elder Law and anti-ageism.
  41. California Booming: an informational blog dedicated to California Baby Boomers, this blog covers everything from sex, to diet, to politics of the Boomer generation, including issues concerning senior rights and ageism in the workplace.

Life Insurance Planning for Senior Citizens by Natalie Aranda

May 31, 2013 by · Leave a Comment
Filed under: Articles 

Life Insurance has sometimes been described as a bet between you and the Insurance Company. The Insurance Company is betting that you are going to live and you are betting that you are going to die. If you do die, you win the bet. This approach has been the basis of life Insurance policies in the past. Despite the fact that it would seem this does not much benefit an individual, the truth was that the Life Insurance payout was designed to provide for those that you left behind.

Changes in health care and the increasing life span have brought some changes to this concept. The desire for senior citizens to spend their retirement in an active adult community where they can enjoy their golden years to the maximum has prompted many to take a fresh approach to the use of the cash value of life insurance. It has also influenced the type of policies that have become popular. When a payout upon death was the main purpose of an insurance policy, the only thing that mattered was the amount of the death benefit.

Today, people in increasing numbers are opting to not spend their last years in their homes. An Arizona active adult community that is located in an area without a harsh winter seems much more attractive. A Florida active adult community situated close to the ocean would be preferably to long cold winters. This is the new dream of senior citizens, but in many cases the funds needed to make this dream come true are not available at the time of retirement. It has become possible to redeem the cash value of an insurance policy prior to death through an annuity settlement. The basic idea is the seller of the annuity provides a cash settlement to you at retirement. In return, they basically become the new beneficiary of your policy.

The annuity settlement changes the conditions of the bet. Now, you are betting that you are going to live, and the new beneficiary of your policy is betting you will die. If you live, you win. Many senior citizens are seeing this as a better idea. It takes some careful planning, and each case must be considered individually. The debt situation and the situation of a spouse and of children must be taken into consideration. The increased popularity of Individual Retirement Accounts has lessened the need for a large death payout to some degree. The best time to plan for your life insurance needs as a senior citizen is long before you ever become one. Sadly, this is not always done until too late. In this case, the options can be considered. It is not a time to be rash and seeking the advice of a trusted Insurance agent or financial advisor is highly recommended. If you plan on spending your last years enjoying a California active adult community, start that planning as early as possible.

Natalie Aranda writes about finance. Today, people in increasing numbers are opting to not spend their last years in their homes. An Arizona active adult community that is located in an area without a harsh winter seems much more attractive. A Florida active adult community situated close to the ocean would be preferably to long cold winters. This is the new dream of senior citizens, but in many cases the funds needed to make this dream come true are not available at the time of retirement.

Article Source: http://EzineArticles.com/?expert=Natalie_Aranda

Why Are Reverse Mortgages Important to Senior Citizens? by Craig Castle

May 30, 2013 by · Leave a Comment
Filed under: Articles 

In Texas and many other parts of the country, senior citizens are being squeezed. They receive, on average, $965 per month in social security. And, while property taxes vary, a senior in many Texas cities with a home valued at $100,000 will pay more than $200 per month in property taxes alone. Add to that the high cost of necessities like health care, prescription medicine, utilities, and mortgage payments, and the financial picture can be very bleak. It’s no wonder that many seniors face foreclosure or tax liens on their homes.

“Reverse mortgages are important to Texas seniors because they allow them to obtain a loan against the equity in their home—often their single largest asset—without making monthly payments to repay that loan. That means that with a government-insured reverse mortgage, a senior will never lose his or her home to a bank simply because he or she could not make a payment,” said Craig Castle, a San Antonio reverse mortgage specialist for the past four years.

So why don’t more Texas seniors take advantage of this financial product?

Castle says that in his experience, seniors shy away from reverse mortgages for three reasons:
◾1. Fear
◾2. Bad advice
◾3. The availability of other, more well-advertised, loan products

“I have had many clients elect not to complete the reverse mortgage process because of fear,” Castle says. “Usually, the additional cash could have improved their lives significantly.”

Seniors’ fear is not unfounded. They are often the targets of scams and fraud. But, reverse mortgages have one important safe-guard built into them to protect even those who are uncomfortable making financial decisions. In order to obtain a government-insured reverse mortgage, a senior must have counseling by a HUD counselor with the local housing authority or the Consumer Credit Counseling Office. This unbiased person can help the senior determine whether a reverse mortgage makes sense for his or her individual situation.

And, sometimes well-meaning family and friends give bad advice.

“I have had ministers tell clients that they heard that you could lose your home with a reverse mortgage,” Castle said. “It isn’t true, but advice isn’t always based on facts.”

The availability of home equity loans also clouds the picture for many seniors. “Home equity loans can be appropriate for people who have an income, but they often spell disaster for seniors,” Castle said. “I talk to potential clients every week who tell me that they are having problems keeping up with their payments.”

“My experience has been that most home equity clients who are over 65 and have taken the maximum 80% of their home value will eventually lose their house—if they live at least 3-5 years beyond the date of loan origination,” Castle added.

With a reverse mortgage, the homeowner can access from 40-60% of the appraised value of their home, but the loan is not repaid until they die or leave the home permanently. Then the home is sold and the proceeds are used to repay the loan, with any remainder going to the owner’s estate.

To find out more about the benefits and requirements for a reverse mortgage, visit [http://www.SouthTexasReverseMortgage.com] and request the free Federal Trade Commission publication, Facts for Seniors about Reverse Mortgages. Or call Castle at 210-789-3685.

“Misinformation has prevented many seniors from getting a reverse mortgage when it would have provided them with greater financial stability—and peace of mind. That’s why I like to have the family involved and why I often spend several hours at my clients’ home explaining and re-explaining how a reverse mortgage works and how the various pay-out options can make their lives better,” Castle said.

Craig Castle is a Reverse Mortgage Specialist with Financial Freedom in San Antonio and the South Texas area. He holds a BA in Economics from the University of Missouri, is a former Licensed Stock Broker, and has worked with reverse mortgages for the past four years. He is also chairman of the Not Forgotten Coalition, a not-for-profit organization that provides services and advocacy for senior citizens in San Antonio. For more information, visit [http://www.SouthTexasReverseMortgage.com] or phone 210-789-3685.

Article Source: http://EzineArticles.com/?expert=Craig_Castle

Medicare Part D & Senior Citizens by Rick Martino

May 17, 2013 by · Leave a Comment
Filed under: Articles, General 

Medicare Part D, since its launch in January 2006 has acted as a boon to  senior citizens. The senior citizens are quite happy investing in the plans  offered under part D. The plans are very clear & present the exact view of  the offerings so as not making the senior people to think about it much. Part D  help seniors to manage their finances to the best. Seniors are very well made  cleared about the amount they have to pay as the premium to the company &  they happily do that just because of the following reasons:

• Any of the plans do not make a Dent to their pocket, so they don’t mind  paying. This plan helps them get a safety cover with their small income so that  they can pay for prescription cost easily.

• They know that they are secured & are free from any unexpected drug  expenses. In spite of a low premium, part D offers coverage on various drugs  under different plans. It might not be easy to find a plan that suits them  exactly but yes, quite easy to find a plan which satisfies them to a great  extent by include various drugs.

• A lot many drugs can be covered in one plan. It is practically not possible  to know that which medicine might be needed in the near future but a plan which  allows you to get various important medicines is a good option for anyone as  that will again reduce the chances of unexpected expenses on drugs.

• Clear & easy terms turn the Part D into most trusted insurance policy  for them. There are a many plans under part D which have a similar terms like:  all the plans are available at lowest price ever, the best is provided at the  cheapest price & a clear presentation makes clear the terms of policy  stating that where the seniors are investing & what they can expect out of  it.

The Medicare Part D plans are considered the safest & most sensible to  invest with, as with the senior citizens the things can go critical more often  than anyone else. So the option to get insured by part D is considered  beneficial than any other insurance policy. The stats define that Medicare Part  D is considered as the most favorite among senior citizens all over the  US.

Rick Martino is employed with MedicareAide. MedicareAide provides information  on Medicare Coverage & Medicare Insurance Plans allowing you to choose the right plan from more than 25 insurance  providing companies.

Article Source: http://EzineArticles.com/?expert=Rick_Martino

 

Incremental Retirement – Sensible Advice For Senior Citizens by Jerry Elrod

May 15, 2013 by · Leave a Comment
Filed under: Articles 

Many senior citizens just won’t retire. They are ambitiously alive. They stay  busy. They love what they do. They are not putting off retirement because of  economic issues. They either own their business or are in a situation in which  their business gives them so much permission that the business can do quite well  without them. That is, of course, a fortunate place to be. They are in  incremental retirement. They are doing it in stages. For the most part, they  don’t keep rigid or strict hours. They are fully aware of what’s going on in  their business or their lives, but they don’t obsess over it. An acquaintance  is, at 70, building a new office and expanding his business. It is not to “make  more money” for himself. He gives it all away to his family and causes he  believes in.

Another person travels a great deal, sometime in a humongous motor home. He  is quite well off, but he chases around Texas doing what he does for his  business.

Still another is a retired judge, but still a practicing lawyer. He and his  spouse spend enormous time enjoying themselves with frequent travel forays and  maintain an elegant antebellum home in East Texas. When home, he still keeps a  busy roster of clients.

Incremental Retirement, whether continuing to pursue business or professional  interests, is a healthy way to retire. It doesn’t have to happen all at once.  One need not surrender the things of ones previous life all at once. Keeping up  with events and excitement in ones “career” world is a healthy way to stimulate  body, mind and soul.

Incremental Retirement means you may do it on your own terms. You can plan to  have a three-month hiatus, while the wheels keep turning. You can generate new  excitement and energy for living. You can even expand your career interests in  ways that will provide further for family, charity, a foundation, and a life of  absolute satisfaction.

So, look at Incremental Retirement, if you are fortunate like many senior  citizens, which may round out your life in enormously gratifying ways.

Article provided by Dr. Jerry D. Elrod. Dr Elrod, and his wife, Dr Sharon  Shaw Elrod, manage Senior Citizen Journal online. For information on retirement,  Baby Boomers and everything related to Seniors, please visit my blog at http://www.seniorcitizenjournal.com/. Links to  other Senior Citizen Journal pages can be found on the blog.

Article Source: http://EzineArticles.com/?expert=Jerry_Elrod

 

Strength Training Tips for Senior Citizens by Aaron Dorksen

May 7, 2013 by · Leave a Comment
Filed under: Articles 

Many senior citizens wouldn’t even consider lifting weights or performing  strength training exercises, thinking that’s something for much younger, fitter  people to do.

A person is never too old to perform strength training exercises, though. In  fact, frequent exercise is the best prescription for independent, active and  healthy aging, according to the A.A.R.P., the National Institute on Aging and  the Centers for Disease Control and Prevention.

Studies show that all adults, even seniors, can benefit from as little as 15  minutes a day of moderate cardio exercise. Thirty minutes a day of light to  moderate cardio exercise is the optimum level, and the good news is the cardio  exercises can be broken up into segments (ie: brisk walk in morning, afternoon  swim).

Adults, including seniors, are also recommended to perform strength training  exercises two-three times per week.

Although exercise programs for seniors (generally considered people age 50-60  and older) are modified considerably from what younger generations are doing in  the gym, senior strength training can help people of any age increase muscle  strength, strengthen bones, fight off and-or delay the effects of arthritis, and  improve balance and mobility. Regular exercise is also important to help  maintain strong heart function and a healthy weight.

Jim Androsik, a physical therapist for Wooster Commuinty Hospital’s  HealthPoint Health and Wellness Center in Ohio, has witnessed great benefits  from the seniors he’s worked with who have followed a strength and conditioning  program.

“Generally, the senior citizens we work with are people 60 years-old and up  who are referred to us by a physician,” Androsik said. “Doctors give us some  guidelines, such as the frequency and duration a person should exercise for and  comments on their health in general.

“We then develop a program for them.”

Exercise programs for seniors can obviously vary greatly depending on age and  health, but typically there are basic guidelines Androsik has his seniors  follow.

“We generally recommend that a senior perform strength training exercises two  to three times a week,” he said. “We look at their needs to determine exactly  what exercises they’ll do, such as if they’re experiencing back pain, shoulder  pain, arthritis, etc.”

Here’s a basic exercise program for seniors based on Androsik’s advice and  other research I’ve conducted. Again, these are general recommendations and  seniors should consult with a physician before beginning an exercise program. It  would also be highly beneficial for seniors to exercise as part of a group or  class, to help with motivation, to make sure they’re using the right techniques  and, of course, to enjoy the social aspect of exercising):

Cardio exercise (3-4 times per week)

Tip: Perform low-impact exercises that are easy on your joints. Start very  slowly before increasing duration and resistance. Start with 5 minute cardio  workouts and slowly progress to 15 minutes or more if you can.

Pick from the following: Treadmill, walk on track, exercise bike, pool  workout, yard work, etc.

Weight lifting/strength training (2-3 times per week) Tip: Androsik says it’s  important to do high repetitions on exercises with low resistance or weights. Do  light stretches before performing strength training exercises. Here’s a sample  strength training program a senior might perform:

* Good mornings 1 x 15 (one set of 15 reps) tip: stand straight, slowly bend  down to touch toes or reach down as far as comfortable, rise back up and  repeat.

* Shoulder rotations 1 x 15 tip: stand straight with arms out parallel to  side, rotate shoulders 15 times in each direction. Good warmup exercise.

* Sit Ups – 1 x 15

* Side Bends – 1 x 15

* Squats – 1 x 12-15 tip: Use barbell, machine or without weights. Keep back  straight by looking straight ahead at spot on wall, go down as tolerated but no  lower than parallel with knees.

* Lunge – 1 x 12-15 tip: hold dumbbells to make harder

* Calf Raise – 1 x 12-15 tip: hold dumbbells to make harder or use  machine.

* One Arm Rows – 1 x 12 – 15 tip: balance one knee on bench, other leg on  floor. Pull dumbbell up and down with arm on side of body planted on floor.  Builds shoulder strength.

* Rotator cuff with band or machine – 1 x 12-15 internal rotation, 1 x 12-15  external rotation. tip: have a doctor or trainer show you how to do these, great  for preventing shoulder pain.

* Dumbbell curl – 1 x 12 – 15 tip: do them seated or standing

* Dumbbell bench press – 1 x 12 – 15 tip: do them lying on a bench

* Dumbbell flyes – 1 x 12 – 15 tip: do them lying on a bench

* Triceps extension – 1 x 12 – 15 tip: use machine or dumbbell. This is just  a general plan to give seniors some ideas, but it’s best to work with a trainer.  Tweak as needed. Remember to use light weights and do high reps.

“Exercise can provide lifelong benefits,” Androsik said. “It can minimize or  slow down arthritic changes.”

Basically, exercise can delay the aging process to a large degree in many  people and if seniors find a program they enjoy it can actually be fun. What are  you waiting for seniors – get back into the gym!

Find exercise equipment  stores Arizona and more with our fitness experts. At Home Fitness consultant  Aaron Dorksen’s blog deals with a variety of fitness topics, ranging from  workout tips, motivational ideas and feature stories on how exercise impacts  people’s lives. Consult a doctor before making any significant changes in your  exercise routine or diet. E-mail him with comments, questions or ideas for  future blogs at aaron@athomefitness.com

Article Source: http://EzineArticles.com/?expert=Aaron_Dorksen

 

Viewing Our Senior Citizens As Part of History by John Harmer

May 2, 2013 by · Leave a Comment
Filed under: Articles 

When we consider the activities and contributions by the senior members of  our society, we only look at them now. Yet they have been around for over 60  years. In that time they had seen, been part of, and shaped much of the world we  live in.

Many who were born before World War II. They have seen and taken part in many  of the world’s conflicts. The Korean War, the Vietnam War, the Balkan conflicts,  the events of September 11, the Gulf War, the Falklands conflict, to name only a  few.

Their contributions to medicine and the health of our community includes our  ability to harvest body organs to make use of them to keep yet another person or  persons alive. Add to that the huge strides that have been made in the  health-care and community care, policing, and defence.

In business today’s retirees can show that they have contributed to the  growth and stability of the world’s industry and commerce. Motor cars,  airplanes, ships and shipping have all benefited from the experience and  knowledge of those who are now counted amongst our old folks.

In education what we know now is so far advanced from where it was 60 years  and more ago that it is barely recognizable. All of this progress in the  attributed directly to the work, talents, and experience of today’s seniors.

In the world of art,music,and theater, many of our greatest triumphs were  created designed and engineered by those who are now enjoying a well-earned  retirement. We often see today that the music art and theater that was made  years ago being taken out of mothballs and re-presented And why is this? Because  it was brilliantly done in the first place and imitation is sincere  flattery.

When today’s retirees were but children themselves, they never expected to  see a man walk on the moon. Or a spacecraft lands on Mars. Yet we have seen men  fly high in the heavens and plumb to the depths of the sea. All made possible by  the endeavors of people now aged over 60.

In sporting events we have seen people run faster, jump higher,swim even  faster, lift huger weights. None even thought that such was possible in past  years. All initiated by the then activities of now older people. Who wanted to  see how much we, as a human race, could improve.

Yes we have better foods in some respects, better food preparation, often  better housing and schooling. But not always. In many parts of our world older  people are struggling along with their younger counterparts. Many countries  unfortunately are in poverty, lacking in basic food water and medical supplies.  So our senior citizens have also been forced to look upon some spectacular  failures.

Development in some countries is lagging behind perhaps in what might be seen  to be the basic essentials and human rights. Clearly something that needs to be  addressed and rectified.

We are using up many things that previously existed in plenty. Raw materials,  water, vegetation, are diminishing all too quickly. Our native animals are  becoming extinct because we have not cared for them. Our grandchildren will not  enjoy the pleasure of seeing the animals, flowers, and trees we accept as part  of our lives.

One could go on forever trying to recall even some of the things that today’s  senior citizens have included in their activities and actions. That this is  impossible for us to so many things have happened in the last 60 years. The next  60 years will bring its own changes. We can only look forward.

John Harmer is an online researcher who is himself a senior citizen. He  admires the contributions made by his peers. He is constructing a website that  will provide information about, and advice for, our senior citizens.

You can visit the website by clicking on the following link  [http://www.lotson4seniors.com]

Article Source: http://EzineArticles.com/?expert=John_Harmer

 

Online Dating For Senior Citizens – Tips For Safety and Success by David Kamau

May 2, 2013 by · Leave a Comment
Filed under: Articles 

How things have changed. There was a time that when dating over 50, leave  alone senior dating, was virtually unheard of. Now it is acceptable for seniors  to date and have fun. This article will offer tips on safe online dating for  senior citizens.

Now, at 50 you may not consider yourself a senior citizen. You may even  consider yourself “young”. There is nothing wrong with that, and it is actually  a healthy attitude. This article address singles over 50 because this is the  cut-off of most dating sites for older singles.

It was Jeanne Moreau that said “Age does not protect you from love. But love,  to some extent, protects you from age.” Well said, but we could say “love and  fun, to some extent, protects you from age”. With online dating for senior  citizens you get both; love and fun.

The first thing in senior online dating is mental preparedness: make sure you  are ready to date. And be ready to have fun.

Next, sign up with a good and reputable dating site. While general dating  sites are okay, it is better to go with an age-appropriate site (unless, of  course, you’re looking for young blood, subject for another article).

Having recognized the need for senior singles to meet each other, dating  services for older singles are now available. And they are bursting with  activity.

The advantage of signing up with a senior online dating service is that you  will not have to worry about competition from younger folks. You also know for  sure that everybody on that site is single and available.

And while you are at it, it would be advisable to avoid free dating sites.  Why? One word: safety.

You see, older singles are a favorite target for crooks and scam artists. The  presumption, right or wrong, is that an older single is typically desperate and  vulnerable. Scam artists like to post fake profiles on free sites, using stolen  photographs.

Once contact has been established, they will tell everything you want to hear  and the next thing you know you are minus a good chunk of money, and sometimes  worse.

This is not to say that paid dating sites are 100 percent safe: even your  local place of worship could not make such a claim. But with a paid site, the  paper trail left by use of a credit card means that a member can be traced  unless, of course, the credit card is a stolen one.

Avoid giving out personal information too soon. If someone starts asking lots  of personal questions, such as your mailing address, place of work and the like,  consider this a red flag and cut off all communication with that person.

Also to be on the lookout for is someone who suddenly starts having all kinds  of problems that require money. This includes claims of being stuck overseas or  suddenly falling ill.

The size and quality of a dating service also matters. While there a new  dating sites that are good – even the oldest one was new at one time – it is  safer to go with an older dating site. You can be assured that if a dating  service has been around for a while, it is doing something right.

Next, to increase your chances of finding love online you should sign up with  the right senior dating service. Find reputable senior dating sites with free trials and choose the right one  for you. David Kamau offers dating service reviews at his website and blog.

Article Source: http://EzineArticles.com/?expert=David_Kamau

 

IRS Back Tax Prevention Tips For Senior Citizens by Roni Deutch

May 2, 2013 by · Leave a Comment
Filed under: Articles 

Make Work Pay Credit While the “making work pay” credit proposes it will  cut taxes for 95% of families, there is an interesting loophole for senior  citizens, which is causing some to end up with unforeseen back tax liabilities.  According to the law, non-working senior citizens-in addition to retired  railroad workers and disabled veterans-cannot claim the full credit. The problem  is that the credit automatically adds 6.25% of earned income to taxpayer’s  paychecks. Therefore, if you are a senior citizen who does not qualify for the  full credit, then you will need to make sure to change your withholdings to  prevent owing a tax debt at the end of the year.

Taxes on Social Security income The IRS has specific guidelines to follow  when deciding whether you social security payments are taxable. Accidentally  overpaying is okay, but if you make the mistake not to pay taxes on your social  security benefits, then it could lead to IRS underpayment fines. These  additional penalties, on top of the already owed taxes, can be difficult for  struggling seniors to pay come tax time. Next time you receive a check from  Social Security, be sure to check the benefit statement to see if you are having  any taxes withheld. If you did not have any taxes withheld on social security  and you have other sources of income, you may be creating for yourself an  underwithholding problem come next tax season. To ensure that you are not  creating an underwithholding problem, you should seek the advice of a tax  professional. The tax professional can review your financial situation to  determine whether you need to up your withholding to cover your expected tax  liability.

Pension When receiving pensions, you may have a hard time deciding how  much to withhold, or if you want or need to withhold anything at all. Whether  you should have taxes withheld from your pension payments depends on your filing  status, number of dependents, personal exemptions, additional sources of income,  and the amount of retirement payments you receive. If you do need to pay taxes,  you need to figure how much to withhold. Withholding too much is not a good idea  as you may end up giving the IRS an interest free loan. However, not withholding  enough can result in hard-to-estimate taxes at the end of the year, which could  lead to back taxes, penalties, and interest if you are not careful.

Be Aware of Deductions & Credits When preparing your income tax  return, it is essential that you take advantage all eligible deductions and  credits since they will help to lower your total tax liability. Remember, the  IRS has set up a number of deductions and credits directly targeting senior  citizen taxpayers. To learn more about tax tips for seniors, check out this  article on the RDTC.com blog.

Early Distributions If you are under 60 years old and need to take an  early distribution from a retirement account, then be forewarned that you will  likely have to pay an additional 10% tax on the funds withdrawn. However, the  tax does not apply to funds from Roth IRAs, and there are various other  exceptions to the tax. To learn more, check out the IRS’ list of the top ten  facts about taking early distributions from retirement plans.

Accurate Tax Information The best way to prevent unnecessary tax debts  before they occur is to have your returns accurately prepared by a qualified  professional. There are several community service programs devoted to helping  senior citizens with tax preparation, and the IRS has also set up a free  tax-counseling program to provide financial and tax planning advice to seniors  all year long.

The Tax Lady Roni  Deutch and her law firm Roni Lynn Deutch, A Professional Tax Corporation  have been helping taxpayers across the nation find IRS tax relief for over  seventeen years. The firm has experienced tax lawyers who can fight IRS tax liens on your behalf.

Article Source: http://EzineArticles.com/?expert=Roni_Deutch

 

Healthy Eating For Senior Citizens by Ian Pennington

May 2, 2013 by · Leave a Comment
Filed under: Articles 

All too often we resort to medication to help with our medical problems when  a change in our diet could be all that was needed. As we grow older our diet  becomes more and more important and healthy eating for senior citizens can  improve their quality of life considerably.

In an ideal world, we would be following a healthy diet throughout our lives  and our medical problems later in life would be negligible. This, however, is  unlikely to be the case and there will not doubt be a range of conditions  appearing as we get older. One of these is likely to be osteoporosis. This is a  condition which will weaken the bones and can lead to an increased risk of  fractures. A plan for healthy eating for senior citizens who have, or are at  risk of getting osteoporosis would include a possible reduction in protein. We  are not saying that you should discard it from your diet, just do not eat too  much. Your body uses acid in the digestion of protein and if there is too much  you may need to counterbalance this by taking calcium from your bones.

Other conditions that the elderly are prone to include rheumatoid arthritis.  There are many debates regarding the affect of certain foods on rheumatoid  arthritis and healthy eating for senior citizens who suffer with the condition.  Some claims have been subject to research and others are still just a case of  hearsay. It is very difficult to say if there is any link between diet and the  condition and many studies are underway.

The best advice that can be given regarding healthy eating for senior  citizens is to eat a good, balanced diet with plenty of fresh foods. Do not eat  too much protein and try and reduce red meats a little. Calcium is great for the  strengthening of bones but do consider the fact that this is protein and bear in  mind what we said earlier.

Often, as you get older, you find that your appetite is not as great as it  was when you were younger. You may find it easier to digest more, smaller meals  rather than one or two larger ones. Sometimes you may feel lethargic about  preparing a meal. If this is the case try to eat something which does not  require much time and effort. This does not mean that it has to be lacking in  nutritional value. Even a bowl of cereals can be very healthy and satisfying and  will make you feel better in the short term. In the long term, however, you  would be wise to make the effort to produce a good hot, nutritious meal for  yourself and your family. Healthy eating for senior citizens is by far the best  way to ensure you keep your energy levels high. This way you will be able to  enjoy your leisure time and fight infections and ill health.

Ian Pennington is an accomplished niche website developer and author.

To learn more about healthy eating  [http://www.seniorhealthtoday.info/healthy-eating-for-senior-citizens], please  visit Senior Health Today [http://www.seniorhealthtoday.info] for current  articles and discussions.

Article Source: http://EzineArticles.com/?expert=Ian_Pennington

 

Seniors Citizens Joining a Gym – The Questions You Should Be Asking by Bob Alexander Smith

April 29, 2013 by · Leave a Comment
Filed under: Articles 

There aren’t too many seniors-only gyms around at the moment, however finding  a local one that caters to your needs isn’t impossible.

At your local gym try asking the following questions to see whether you might  join:

Does any of your staff have senior-fitness certifications? 

Several of the governing bodies that certify personal trainers offer training  in senior fitness, and you want to have access to a trainer who has taken  advantage of these educational opportunities.

In many countries the governing bodies which certify personal trainers are  beginning to offer specialist training certificates for those trainers which  undertake the appropriate courses and examinations. Finding a gym with one of  these certified trainers is a plus!

Also these specialist trainers will be able to tailor an exercise program  that suits your needs and what the gym’s is currently offering.

Does the gym offer any senior citizen fitness classes?

There can be a variety of classes offered by your local gym which can cater  to your needs. Having classes in the late morning and afternoons when it’s  quieter maybe what you’re looking for? The gym could even offer Yoga, Pilates of  even Marathon training group classes.

Do check to see if the gym offers classes and equipment suited to those with  arthritis, cardiovascular diseases or any other ailments you may have. There  could even be classes that offer low impact workouts or even chair aerobics  modified for seniors that you might be interested in.

Do you offer senior citizen discounts?

Senior Citizens get nice discounts on public transport, at the cinema, even  at the grocery store, so why not at the gym? Don’t be too shy about asking for  discounts – as in life, if you don’t ask you’ll never know!

Is there a fitness assessment before starting to use the machines? 

Sure the gym is a great habit to get into but before starting do ensure you  have a complete medical assessment by you own physician. You wouldn’t try to  drive a car before knowing what all the pedals and levers were for – it’s the  same thing with the equipment in the gym. Check to see if the gym you are  thinking of joining has a trainer on hand that is familiar with how to teach you  to use the machines and activities that are safe for seniors.

After deciding which of the gyms to join remember the following safety tips  when getting started on your brand new routine:

  1. Start slowly and gently if you’ve not done much exercise in a while.
  2. Breathe as you’ve been instructed for the specific machine – holding your  breath isn’t good.
  3. Wear good fitting shoes and use all of the recommended safety  equipment.
  4. Drink plenty of water.
  5. Warm up and cool down to protect your muscles from strain as taught by the  trainer.

 

If you experience any unusual pain or a shortness of breath whilst you  exercise, stop and get checked by your physician so that you can continue to  enjoy the benefits of exercising.

As well as providing advice to seniors I’ve also launched my first website at  http://www.loftconversionsscotland.com to help those  interested in expanding their living space.

Article Source: http://EzineArticles.com/?expert=Bob_Alexander_Smith

 

Jobs for Senior Citizens – A Few Things to Think About by Thomas Freers

April 24, 2013 by · Leave a Comment
Filed under: Articles 

Jobs for senior citizens are very popular among those who want to be active  even after retirement. However, are there any opportunities really available for  such people? There are quite a lot of jobs available but you will have to be  very careful about the option you select and will have to think twice before  taking any decisions. Depending on your professional profile you will be able to  find an opportunity that will be suitable for you. This would be a great way to  earn a living and be active even after retiring from your regular job.

Select an Opportunity that is Suitable for You

One of the most important things about jobs for senior citizens is that you  will have to find something that you really like to do. The first and the most  crucial step in the direction is to specify your particular needs and wants  before you actually go ahead and start looking. Whether you want to select  something that is completely different than the job you had been doing for all  these years or finding something in the same industry is another factor that you  will have to think about. You will also have to think about how much time you  would be comfortable working for. Thinking about all of these factors will  ensure that you find something that you would be comfortable with in the long  run.

A Few Things to Think About

Given below are a few things that you must think about before you go for jobs  for senior citizens:

• Your financial goals and the amount that you wish to make working.

• The abilities and the skills that you enjoy using now.

• The type of skills that you no longer wish to use

• Skills that may be transposed in a different field or industry

• Any special talents that you may not have used before but may be used  now

• Any personal project that you may have in mind that you may want to  achieve.

Opportunities Available

For senior citizens the possible job opportunities include freelance work,  sales representative, financial advisory, school brigadier, bus driver, student  tutor, community teacher, mentor, coach or teacher, horticulture, gardening and  retail trade adviser. All of these jobs will give you the chance to do something  that you really like doing. Working after retirement is all about personal  fulfillment rather than financial requirements. For this reason it would be  important for you to find a job that will provide you immense satisfaction. With  so many jobs for senior citizens available today you will definitely be able to  find something useful.

You must learn more about Jobs for  Senior Citizens and other marketing secrets.Thomas Freers is an Online  Marketing Coach for what is arguably the World’s Largest Internet Marketing  School available today. He specializes in Article Marketing, Social Media  networking and various other marketing strategies and works with small and large  companies to help them customize their marketing campaigns. With over 50  different marketing strategies available today you must learn which one suits  your personality. To learn more about Thomas Freers and to see more effective  principles to explode your Internet business to create big profits and get  results go to http://www.earn-1k-a-day-for-life.com

Article Source: http://EzineArticles.com/?expert=Thomas_Freers

 

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!