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decisions | Nevada Senior Guide

The Benefits of Medicare Advantage

October 31, 2013 by · Leave a Comment
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Dr. Amir Bacchus

The annual election period during which seniors can enroll in Medicare Advantage plans began on Oct. 15 and ends Dec. 7.  During this open enrollment period, many of Nevada’s senior citizens will assess their health care needs and weigh their options carefully to determine whether a Medicare Advantage plan is right for them.

As a physician and the chief medical officer of HealthCare Partners Medical Group, I have a great deal of knowledge and experience related to Medicare Advantage plans, and I urge seniors to make informed decisions this fall.

Medicare Advantage plans can be an excellent choice for seniors without private supplemental insurance, as many offer improved access to coordinated care and protection against high out-of-pocket expenses. Medicare Advantage is an alternative to what is known as Medicare Fee-For-Service or “original Medicare.”  Medicare Advantage plans typically provide prescription drug coverage and eliminate the need to purchase a Medigap policy. The premiums tend to be lower than you would pay by purchasing original Medicare, Part D (prescription drug coverage) and Medigap separately.

When comparing Medicare Advantage plans, it is essential to consider the costs, benefits and health care provider choices within each available plan. You should take time to learn about the “in-network” providers associated with the health insurance plan.  It is important to know whether the providers have a reputation for offering high-quality, coordinate care and if they have a large enough network to meet your health care needs.  Finally, you should also consider access to the primary care physicians, specialists and other providers you use on a regular basis under each plan. Consistency of care has numerous benefits, especially for those who feel comfortable with their current health care providers.

When considering your coverage options this fall, pick the plan that works best for you. It’s a big decision, and I hope seniors explore their options during this year’s enrollment period.

Dr. Amir Bacchus is the chief medical officer and co-founder of HealthCare Partners Medical Group.  Bacchus received his M.D. from Wayne State University School of Medicine in 1993 and is a diplomat of the American Board of Internal Medicine.

 

 

Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains

September 14, 2013 by · Leave a Comment
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Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains

New Medicare plan options for 2014 will be available Oct. 15, but Health Insurance Marketplace enrollment could confuse beneficiaries 

There are only a few weeks before the Medicare annual open enrollment period begins Oct. 15. This year’s Medicare season crosses calendars with the rollout of the Health Insurance Marketplace, so it’s important Medicare-eligible beneficiaries understand the differences between the two government programs, according to Allsup, a nationwide provider of Medicare plan selection services.

During the Medicare annual enrollment period, Oct. 15 to Dec. 7, all Medicare beneficiaries have the option to change their Medicare plans for the coming year to better match their needs. This includes anyone using original Medicare, Medicare Advantage or Part D prescription drug plans.

“Because the federal and state-run health insurance exchanges open for business just two weeks prior to Medicare enrollment, some people may be confused,” said Paula Muschler, manager of the Allsup Medicare Advisor®, a Medicare plan selection service offering personalized help that includes customized research and enrollment assistance.

“Medicare beneficiaries may falsely think they need to enroll in an exchange plan to avoid penalties. Or, they may be so flustered that they don’t carefully evaluate their Medicare plan options for 2014, which could be detrimental if their plan or their needs have changed,” Muschler said.

Another potential area of confusion is for those individuals turning 65 during Medicare annual enrollment. “Because some seniors become Medicare eligible during this time period, they need to look at their Medicare selections for coverage that takes them through year-end 2013, as well as coverage that will begin Jan. 1, 2014,” Muschler said. “These first-time enrollees can benefit from the help of a Medicare specialist like Allsup when it comes to navigating their Medicare plan decisions.”

What to Expect: Medicare Coverage 2014

Nearly 50 million people are enrolled in Medicare. Each year, annual open enrollment brings with it changes that can affect their Medicare plan selections.

Following are factors to keep in mind for 2014 coverage:

Medicare is not part of the Health Insurance Marketplace. Anyone with Medicare is considered covered and won’t face penalties for being uninsured under provisions of the Affordable Care Act (ACA). Medicare annual open enrollment runs Oct. 15 to Dec. 7. (Note: Health Insurance Marketplace enrollment is from Oct. 1, 2013, through March 31, 2014, according to the U.S. Department of Health & Human Services (HHS).)

Medicare recipients reaching the drug donut hole will benefit from lower costs. The gap in prescription drug coverage starts when someone reaches the initial coverage limit, estimated at $2,850 in 2014. It ends when they have spent $4,550, when catastrophic coverage begins. (These are reductions of $120 and $200, respectively, from 2013.) During the donut hole, all costs are covered by individuals out of their own pocket. In 2014, those who reach the donut hole can receive a 52.5 percent discount on brand-name drugs and 28 percent discount on generic drugs (an increase from 21 percent in 2013).

Under catastrophic coverage, they are responsible for a co-pay of $2.55 for generic or preferred multisource drugs (down from $2.65 in 2013) with a retail price up to $51 and $6.35 for all other drugs (down from $6.60 in 2013) with a retail price up to $127. For 2014, however, beneficiaries are responsible for a 5 percent cost-sharing fee for drugs over those retail prices.

Medicare Part B premium changes are expected. In each of the past three years, Part B premiums have increased. The 2013 monthly premium for Medicare Part B (medical insurance) was $104.90, an increase from $99.90 in 2012. In addition, because Part B premiums are based on the beneficiary’s income and those income levels are frozen at 2010 levels, more individuals could see their premiums change. Information on the standard Part B premium for 2014 should be available by the time Medicare annual open enrollment begins Oct. 15.

Prescription drug Part D plans will see slight changes in deductible and premiums. The Part D initial deductible decreases by $15 to $310. HHS also recently reported the Part D monthly premiums will remain relatively stable, at $31 for a basic prescription drug plan in 2014. This is close to the reported average premium of $30 for the past three years (2011-13). Part D premiums are subject to the same income-based thresholds as Part B.

Changes anticipated for Medicare Advantage plans. Not all plans change every year, but common changes include costs, such as premiums, deductibles and co-pays, and changes to covered procedures, tests, medical facilities and other provisions. Some plans may be eliminated, which means beneficiaries will need to select a new plan or default to original Medicare Part B. Enrollment in Medicare Advantage plans continues to grow with 14.4 million people enrolled, an increase of more than 1 million from 2012, according to the Kaiser Family Foundation.

Most Medicare participants will receive their Annual Notice of Change (ANOC) and Evidence of Coverage (EO) from their current Medicare Advantage and Part D providers by Sept. 30, according to Muschler. “It’s crucial people review materials as soon as they receive them and asses their current healthcare needs,” she said.

“Healthcare costs are a critical line item in most people’s budget, and especially so for seniors and people with disabilities,” Muschler added. “Believing your current plan will continue to cover your needs in the same way can lead to unexpected and costly surprises.”

Medicare specialists such as Allsup are available to help consumers and their family members review Medicare plans and choices for 2014 coverage, Muschler added.

“For many people, this can be a time-consuming, confusing and complex evaluation process, especially when comparing Part D plans or Medicare Advantage plans,” Muschler said. “Many Medicare beneficiaries are pleased to find out there are Medicare specialists like Allsup who look at the comparative details of the plans, and then provide them the assistance they need to make choices that suit their needs and budget in the coming year.”

The Allsup Medicare Advisor is an affordable, flat-fee based service for Medicare-eligible individuals.

For an evaluation of Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or visit Medicare.Allsup.com to learn more about the service.

The Allsup Medicare Advisor also has features that help financial advisors guide their clients to the Medicare plans that match their specific lifestyles and healthcare needs. Employers also use Allsup Medicare Advisor for their employees who are retiring and transitioning to Medicare. For more information, go to FinancialAdvisor.Allsup.com, or call (888) 220-9678.
ABOUT ALLSUP

Allsup is a nationwide provider of Social Security disability, veterans disability appeal, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Allsup professionals deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. Founded in 1984, the company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.

The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation.

# # #

Contact:
Rebecca Ray, (800) 854-1418, ext. 65065, r.ray@allsupinc.com
Mary Jung, (773) 429-0940, mtjung@msn.com

Senior Citizens Moving – How to Decide If It’s Time to Move by Jennifer Strong

August 19, 2013 by · Leave a Comment
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senior-citizen-moving

At what time rearranging, it is significant to remember that who will be moving, not only when and where the move will be happening. This is very important, as some people need a little bit extra in the approach of preparation and accommodation when it comes to the huge method that is moving. Senior citizens, as, often need additional time and a bit more consideration when going through the procedure than people of a younger generation. Here are five very essential moving tips to make moving with seniors in exacting much easier and simpler.

1. Take a Time Out – The news that you will be moving is a huge shock to the system. You might be able to handle it, but seniors have a hard time adjusting to the thought that their whole world is about to be turned upside down. It can obtain time to get used to the detail that they will be moving before the procedure can move onward. Make sure that you take a time out and explain all of the ins and outs of the move and the reasoning behind it to the senior in question before you ever start down the road to a successful move.

2. Get them Involved – When you do start working on making the overall moving process a successful one, make sure that you get them involved in all of the decisions that have to be made. This is important, as the move will be for them, and they should have a say in how things are done. This will also set out a long way to building the senior in difficulty feel as if they are being useful and adding to the procedure rather than being an obstacle.

3. Research is Everything – Every move requires research in order to find the best deals and the best companies, but when you are moving with a senior, it might take a little bit extra. On occasion, it is an excellent thing to discover a company that will go the additional mile to assist the senior think as if their belongings are going to be cared for with the highest care, and a friendly company is not at all something that will be onwards.

4. Plan Ahead – Seniors are normally on an unchanging income, and so, they might desire to know how they will be paying for the move. This is important, as an out of control senior can suffer when they feel as if their own lives are not within their control. Make sure to write everything out so that it can be easily viewed at any time during the process.

5. Make a Budget – Seniors are often on a fixed income, and as such, they might want to know how they will be paying for the move. It is important that you set of contacts a moving financial plan, even if you will be serving to give for the move. This will assist them see where the funds is coming from, as well as where it is departing and when it is appropriate. It will also help you both locate areas where money might be saved along the way.

Moving is a complex event, especially when you are including seniors or other special needs people in the process. It is possible to have an enjoyable and simple move, no matter who is moving. Confirm to use these simple tips in order to assurance that your move goes effortlessly.

MovingCompanies.us is an official source of moving information. Here you can find local moving company near you. If you are moving to another state, here you can find free online estimate from a Florida moving company in your area.

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

Boston Elder Care Expert A. Michael Bloom Shares Coping Strategies to Support Accidental Caregivers Tending to Ailing Moms and Dads

June 5, 2013 by · Comments Off on Boston Elder Care Expert A. Michael Bloom Shares Coping Strategies to Support Accidental Caregivers Tending to Ailing Moms and Dads
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Boston Elder Care Expert A. Michael Bloom Shares Coping Strategies to Support Accidental Caregivers Tending to Ailing Moms and Dads

BOSTON, May 2, 2013 /PRNewswire/ — Mother’s and Father’s Day celebrations are approaching, yet millions of adult children care for parents year round while on the brink of burnout.  Catapulted into the accidental caregiver role without warning, stressed-out kids are doing their best to hold life together when everything seems to be falling apart.

Boston Elder Care Expert A. Michael Bloom issues a timely warning. “You must seek support as a caregiver.  The life you save may be your own.”

Bloom offers practical coping strategies to help family caregivers recharge their energy and avoid burnout during a free monthly Caregiving Power Hour.  During these tele-sessions, caregivers get tactical solutions to get through the week ahead.  Bloom wants to inspire and train caregivers to provide quality support for their loved ones while fully living their own lives.

“It’s coaching, community, and caring in the gift of an hour of sacred time that can really make a difference,” Bloom says.

Bloom knows the stressful caregiving journey well.  He served as the primary, live-in caregiver for his parents during their final years.  His father passed away in 2009 and, after a courageous battle with cancer, Bloom’s mother passed away in his loving arms on Mother’s Day 2012.

“Caregivers put the well-being of loved ones first which can mean putting their own needs and plans on the back burner.  The regret for career or life enhancing opportunities not taken can be a bitter pill to swallow,” Bloom says.

He honors the legacy of his parents by sharing key steps along the roadmap to caregiving without regret.

  1. Release Crisis Mode. Stop being a victim to circumstances so you feel stronger and become laser-focused to meet your family’s needs.  Supporting loved ones through medical challenges is overwhelming and scary.  When you become aware that feeling like a victim or in a state of crisis is a mindset, you can successfully shift back into taking control and positive action.
  2. Overcome Conflict.  Communicate and cope with calm and clarity. Otherwise, you will crash while riding the emotional roller coaster associated with disability or disease. Mastering your own trigger points for anger and frustration will lead you to deal effectively with the most challenging people and circumstances in your life.
  3. Achieve Buy-In. Motivate others to contribute based upon their individual abilities, preferences, and talents so your loved one receives the most satisfying support possible.  Giving others choices for how they can serve will foster their desire to gladly help on a regular basis.
  4. Deliver Greatness and Compassion in Equal Doses.  Become the inspiring caregiver that people cheer for and gladly support in meaningful ways.  Let your compassion shine through in all actions as you support your loved one.  Devote equal time for self-care so you have the energy to let your best shine through even during tough times.
  5. Magnetize and Motivate Talent. Create an atmosphere that attracts and retains the best people to join your loved one’s care team and experience brilliant performance.  Stay positive and open to the opinions of others so you can facilitate options for the best care and support.
  6. Access Intuition.  Trust your instincts and let your care and dedication guide your decisions.  Share any concerns and questions with key support professionals.  It is better to explore a concern that proves to be okay rather than ignore something that could be life threatening.
  7. Put Chocolate in Your Pill Box.  Find ways to fuel your soul so you can thrive during the caregiver journey and develop the passion and purpose for your life beyond caregiving.  Dose yourself regularly to avoid burnout while creating enduring satisfaction and success.

About Certified Professional Coach and Energy Leadership™ Master Practitioner A. Michael Bloom

Since 2011, A. Michael Bloom has revitalized the careers of hundreds of family and professional caregivers with practical, tactical soul-saving coping strategies that support them in saving lives – including their own.  An in-demand New England speaker, workshop leader, and coach, Bloom has influenced hundreds of caregivers to follow a roadmap to avoid burnout and recharge their caregiving energy.  The author of the forthcoming book, The Accidental Caregivers Survival Guide: Your Roadmap to Caregiving Without Regret, Bloom welcomes media interviews, speaking engagements, and the opportunity to inspire caregivers around the world via his monthly Caregiving Power Hours.  Learn more at http://www.bloomforcoach.com/powerhour/.

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

June 5, 2013 by · Leave a Comment
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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
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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.

Death is Not My Next Goal – More Advice For Senior Citizens by Jerry Elrod

May 8, 2013 by · Leave a Comment
Filed under: Articles 

Aging is a phenomenon which introduces all kinds of subjects and issues we  would rather leave alone. Many senior citizens (and others) are timid and  reluctant to broach the subject of death, being ready for it, making necessary  practical plans and decisions and even admitting to its very likelihood.

Death, however, will happen to each of us, whether we admit, like it, deal  with it or not. Thus, the question, why the hesitance? Discussing death does not  speed its coming, nor prevent its happening.

Recent studies have shown that in the United States male longevity for a 70  year old male today will likely extend to 83.2 years. A female, aged 70, will  likely live to 85.8. These statistics come from the Center for Disease Control  and Prevention.

Depending on where you are on that scale, the news may be either good or not  so good. There is a story making the rounds of a person who said, “I wouldn’t  want to live to be 90,” to which his listening friend allowed: “You must not be  89.”

Dear Seniors, do not make Death your next goal, but remember, Denial is not a  river in Egypt. There is room for some in-between choices here, in-between  denial and talking openly and comfortably about death. If you don’t talk about  it, or if you try to ignore its reality, you just create more problems. You make  it something like the huge elephant in the room. Something unknown that is to be  feared. It’s not an elephant… it’s just death, something that will happen to  each of us. And talking about it doesn’t make it happen sooner. Most of us  simply are not in control of when or how we die.

In order for Death to be removed from your list of life goals, it is not  necessary to pretend it isn’t going to happen to you.

In addition to the practical issues of seeing a doctor and participating in  appropriate care disciplines, there are other dynamics surrounding the “D” issue  that need our attention.

  1. Spend time with your significant other and/or family looking at the issues  surrounding death and how they will be managed as necessity and wise assessment  of conditions indicate.
  2. Lay it all out. Do not skirt issues. Be courageous in opening those matters  about which some will find discomfort and even embarrassment. Dealing with it  now is better than delaying. Delay will create considerably more discomfort and  likely more disagreement within the family.
  3. Go so far as to talk about what a memorial or funeral service would look  like. Put it down in a record. Date it. Change it if necessary.
  4. Open up issues like traditional burial or cremation and scattering of ashes.  Deal with economic issues.
  5. If more comfortable, invite a professional, a pastor or other who would not  impose judgment, but allow for wide ranging issues to be exposed and  addressed.
  6. Maybe, make a group list of the issues that really would be helpful to  discuss. Have Kleenex handy for those who will, naturally, have some emotional  moments.
  7. If/when some anecdotal stories are told, have someone write them down for  recall when the time comes for a celebration of life.
  8. While death is not our next goal, this exercise will begin to put it in its  place.

 

Remember the maximum life expectancy in Sweden in the 1860’s was 101. It is  now 108. And, by the way, 70% of the increase is attributed to death rates above  70. Given optimal genes and good medical care, no one, so far, has lived beyond  123. The good news is you and I have about a 1 in 2 billion chance to live to  120.

Death is not a goal, There is an old song which Virginia slaves used to sing  at funerals: “Come down, death, right easy.” For let that be our song, senior  citizens and all.

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

 

Finding Cheap Senior Travel For Senior Citizens On The Go by Bruce A. Hoover

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

More and more senior citizens are rediscovering their youth by planning  vacations. Many choose to revisit locations that bring back old memories, such  as revisiting their hometowns, yet many others are stepping it up and taking  their trips to places that are more exotic. Having worked their whole lives and  getting a bit bored with the television and armchair routine, many seniors are  ready to get out-of-town and escape being home bound. Taking these vacations has  been found to be a major asset to their lives. They get to get out and enjoy  life without the hassles that working people face. Therefore, with no deadlines,  and no jobs to return to, seniors are able to have the time of their lives  without the stress that comes with being a full-time employee.

Many seniors are on a tight budget, so the ones who are computer savvy are  turning to the internet to discover cheap senior travel. This is not only great  for them, but the travel agencies, hotels, resorts, and other popular vacation  spots as well. Many discover it is easier and cheaper to book mode of  transportation, hotels and activities in advance. With senior discounts  available worldwide, more are able to visit places they may not have been able  to afford without them. In today’s society, there are many modes of travel, one  can choose flying, cruising, riding a train or road trips in RVs. With so many  choices available, seniors can have a lot of fun deciding and planning their  vacation. Being able to access a wealth of information on the internet helps  them to discover their destinations and plan activities they may not have been  aware of otherwise.

Many find it therapeutic to be able to make decisions and plan activities.  Whether they plan their vacation, or a travel agency does, they are left with  the excitement of their upcoming trip. While many seniors can plan activities  that are physically demanding, others are not so fortunate and have to resort to  planning their trips in places that cater to disabilities. There are more and  more vacation hot spots that are gearing up for seniors and others with  disabilities so finding a great place to visit is not as difficult now for those  with special needs. Some vacation resorts even have fun activities to entertain  those who are unable to get out and participate in activities that are  physically demanding.

It is unfortunate but retirement can make a senior citizen feel as if their  sense of independence is withering away. So, with all of the options available  to those planning vacations, senior citizens are more able to do things they  normally wouldn’t do; and are finding that their sense of independence can  return while they plan and enjoy their travels. Many are even planning vacations  with their families, which makes their travels more memorable for them as well  as their families. In some cases, these vacations are the only time they get to  spend a lot of time together. Some only see family on holidays so being able to  have family together in an exciting place is enticing more and more seniors to  planning travels all around the world. In today’s fast-paced society, even those  that are retired get caught up in the rat race so these vacations are a great  escape for seniors more so now than ever.

Next, by reading this you have come across a number of ways to find cheap senior travel. Click here for more senior citizens travel ideas!

Article Source: http://EzineArticles.com/?expert=Bruce_A._Hoover

 

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!