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Inspirational Stamps Teach History of Civil Rights

January 27, 2014 by · Leave a Comment
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11725_A(Family Features)  The influence of family can be a powerful thing. When asked who inspired her as a child, Rosa Parks, an extraordinary American activist, answered, “My family, I would say, my mother, and my maternal grandparents. I grew up with them.”

 

On December 1, 1955, Parks was arrested in Montgomery, Alabama, for refusing to give up her seat on a municipal bus to a white man. Her arrest sparked a boycott of the Montgomery bus system that lasted longer than a year, posing an ultimately successful challenge to racial segregation and inspiring others to similar action.

 

Rosa Parks’ lifelong dedication to civil rights has influenced generations of Americans. The U.S. Postal Service wants its 2013 Civil Rights set of stamps to continue to educate and inspire. It released the Rosa Parks Forever® Stamp this year, along with a stamp commemorating the day 50 years ago when nearly a quarter of a million people came together in Washington, DC, to participate in the 1963 March on Washington for Jobs and Freedom. A third stamp in the Civil Rights set celebrates the signing of the Emancipation Proclamation on Jan. 1, 1863, by President Abraham Lincoln.

 

Parents looking for ways to teach their children about historic American events like these can turn to stamps for fun, interactive ways to discuss national milestones and iconic figures with their children outside the classroom. Since 1893, the U.S. Postal Service has issued limited-edition stamps that honor prominent people, places, icons and events of contemporary American life. These miniature works of art serve as excellent resources for teaching about our country and our culture in a new and exciting way that reaches beyond a textbook.

 

In addition, the U.S. Postal Service has developed a worksheet to help guide exploration into civil rights and equality. The worksheet features a “how to” guide for making a family tree, as well as a coloring sheet and exercise that empowers children to think about what equality means to them. Download the worksheet and find other resources at http://blog-stampofapproval.com.

 

Educators will want to explore the U.S. Postal Service’s Community Connection website, found at www.uspsconnection.com, which brings the history and heritage of the Postal Service’s 238 years into elementary grade classrooms, using stamps as a catalyst to spark conversations and learning opportunities for students.

 

Twelve civil rights pioneers, including Mary Church Terrell and Mary White Ovington, have also been honored in the past with their own postage stamp. Every year the Postal Service commemorates notable leaders and cultural milestones through other stamp collections, such as the Black Heritage series and the American Treasures series.

 

Photos courtesy of Daniel Afzal/United States Postal Service

Starting a Home Based Business – Senior Citizens Require Supplemental Income by Jed Tooke

September 6, 2013 by · Leave a Comment
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Expert Author Jed Tooke

The need to have extra earnings is felt more when one retires. It is for this reason that many people become interested in the idea of starting a home based business to increase their income. It is seen that generally younger people are preferred for work over older workers because of the mistaken belief that senior citizens will not be able to perform the work effectively.

Because of an economic downturn, many corporations are forcing employees to retire or they are being laid off, even before they attain retirement age. Now, there is an option in the form of a home business venture for these senior citizens.

One of the best choices available for those who have retired is starting a home business on the Internet. This option will provide these senior citizen retirees an opportunity to make much needed extra income.

This article will guide those who are exploring avenues to earn extra money to supplement their pension.

Learn basic computer skills:

One of the most basic requirements to start your home venture is to have a high-tech computer along with dependable Internet connection. After this, you need to train yourself in basic computer skills.

If you are not able to acquire the computer expertise, you need not dampen your spirits because there are plenty of free computer tutorial websites on the Internet. You can receive excellent guidance from any of these sites and train yourself rather well. Let learning be the ongoing process. Ensure that you keep yourself abreast of the latest developments.

There are lots of changes taking place on the Internet and Information Technology. A sound knowledge of operating your computer will be a big advantage when starting a home business.

Accepting the challenge:

You need to ask yourself if you will be able to take care of your business venture efficiently. Do you have it in you to own and operate your enterprise successfully? You should understand that you will be required to put in a lot of hard work. Also, you should have the patience of a saint. The strength of mind, enthusiasm and discipline will be the added advantage.

Perform diligent research on the Internet. You will find that there are lots of network marketing companies. Find yourself one such company with a good track record and you may consider accepting their offer of a home business opportunity.

Benefits galore:

There are several benefits for setting up a home venture. You can claim tax benefits extended by the IRS to entrepreneurs and all legitimate businesses. Similarly, you can claim deductions for making payments for rent or mortgage and utility bills. It is possible to get a healthy reimbursement for buying computers and other equipment for your home office.

One of the best benefits for running a business venture from home is that you are your own boss and decide your own paycheck. Your home venture gives you the opportunity to remain close to your family while you are working from the comfort of your home.

However, it will be in your best interest to check out everything thoroughly about a company before starting a home based business.

Learn the real truth about starting a home based business [http://homebasedbusinessteam.com/03/starting-a-home-based-business-3/] working with a team. Discover how working with a team in building your own business that yields residual income leading to independence and financial freedom.

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

When Senior Citizens Become Suddenly Single by Beverly Slover

August 24, 2013 by · Leave a Comment
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Expert Author Beverly Slover

In today’s society it has become common for a Senior Citizen to become suddenly single. Perhaps their spouse has died or they became divorced or their live in relationship of many years has come to an end. It does not really matter how they become single again, but rather what they choose to do about it.

Many Seniors will want to find a new mate as quickly as possible. Others will wait and finally cave into the loneliness. There are even some who are just lost and there are a few who are all right with their own company. All too often Seniors will seek a new partner to fill the void they feel in their lives. That void can be filled by appreciating themselves as a person and celebrating their own individual uniqueness.

Once a Senior is suddenly single again they do not have the influence of the past partner any longer. They have the freedom to choose based completely on their own wants, desires or needs. This can be a strange concept for many Senior Citizens.

The key to choosing what to do is first finding out what they want to do. Taking the time to find out who they are at this stage of their life and what their expectations may be. Feeling comfortable with their own company before searching for the company of someone else can make a difference in their choice of a partner. Learning to take the responsibility of making themselves happy can be the key to finding happiness in a new relationship. Being comfortable with their own aloneness can keep them from feeling lonely while they take their time entering the dating scene.

The most important thing to remember is that dating is suppose to be fun, not desperate.

Beverly A. Slover

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

In an Aging Society – Are Senior Citizens Driving Safely? by Diane Carbo

August 15, 2013 by · Leave a Comment
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Remember when you couldn’t wait until you were old enough to drive. Getting a driver’s license gave us an opportunity to experience a new freedom we did not have before. For those of us with two parents working, driving meant taking ourselves and our siblings to after school activities and work. Driving took us to a level of independence that we had not experienced before. In an aging society of drivers, those very same feelings exist in many today. Driving gives us a sense of independence and freedom, the ability to go out and socialize, go to work or to church. Safety issues are a concern as many move into the golden years. The life expectancy of seniors is increasing. There are more active senior citizens out on the road today than ever before. Since we all age differently, many aging adults, can drive into their seventies and eighties. As we age, the risks for having a serious car accident that requires hospitalization rises. Statistics show that fatal car accidents rise after the age of seventy.

If you know an aging adult driver who is experiencing difficulty with driving, it is important to carefully monitor the situation. This article can help you determine whether you should take steps to encourage the senior to stop driving.

An aging society and risk

Some key risk factors that affect our aging society are:

Vision declines affecting depth perception and ability to judge speed of oncoming traffic. Night vision becomes a problem as our eyes loose the ability to process light. By age 60, you need three times the amount of light that you did at age 20 in order to drive safely after nightfall. We also become more sensitive to bright light and glare. Signs and road markings can be difficult to see.

With age, flexibility may decrease as response time increases. A full range of motion is crucial on the road. Turning your head both ways to see oncoming traffic, moving both hands and feet can be difficult for those with chronic conditions such a rheumatoid arthritis, or Parkinson’s disease, heart disease and diabetes.

Older adults in an aging society will often need to begin to take medications. Certain medications, as well as a combination of medications and alcohol, can increase driving risk. Be aware and careful about medication side-effects and interactions between medications. It is important to talk to your pharmacist to be aware of interactions that could affect your driving safely. Some medications cause drowsiness.

Aging affects our quality of sleep, resulting in daytime sleepiness. Falling asleep at the wheel is a major concern for those that dose off during the day.

The beginning of dementia or mental impairment can make driving more dangerous. A decreased mental capacity or decrease tolerance to stressful driving situations such as complex and confusing intersections may cause delayed reactions to sudden or confusing situations on the road. An aging brain and body does not have the same response time as we did when we were younger.

Look for warning signs

There are multiple warning signs that an aging adult is becoming or is an unsafe driver. Some of them are small, but if there are multiple concerns it may be time to talk about your concerns with the aging driver. Warning signs of an unsafe driver include

 

  • Abrupt lane changes, braking, or acceleration.
  • Increase in the dents and scrapes on the car or on fences, mailboxes, garage doors, curbs, etc
  • Trouble reading signs or navigating directions to get somewhere
  • Range-of-motion issues (looking over the shoulder, moving the hands or feet, etc.)
  • Becoming anxious or fearful while driving or feeling exhausted after driving
  • Experiencing more conflict on the road: other drivers honking; frustration or anger at other drivers. Oblivious to the frustration of other drivers towards them
  • Getting lost more often
  • Trouble paying attention to signals, road signs, pavement markings, or pedestrians
  • Slow reaction to changes in the driving environment
  • Increased traffic tickets or “warnings” by traffic or law enforcement officers
  • Forgetting to put on a safety belt

 

If you are concerned about an aging adult driver, closely monitor their driving before deciding whether they need a refresher coarse on their driving skills or approaching them to give up their driver’s license altogether. Ongoing and open communication is important to addressing the issue of driving. Studies conducted by Harvard and MIT show that while most drivers preferred to discuss the issue with their spouse, doctor or adult children (in that order), this is not the case for everyone. The right person may not necessarily be the most forceful or outspoken one, but rather someone whose judgment and empathy are especially trusted by the driver.

Talk with other family members, your doctor, and close friends to determine the best person for “the conversation.” Remember driving signifies independence, freedom and being self sufficient to active senior citizens. Realize you may meet with resistance and the aging driver may become defensive. Emotion may get in the way of a rational conversation. Express your concerns and give specific reasons for those concerns.

The goal is to get the aging driver be part of the decision making process

You may begin by asking your loved one to make some concessions because of your concerns.

 

  • Taking a driver refresher course
  • Not driving at night
  • Suggest they not drive on busy thoroughfares or during rush hour
  • Taking shorter trips
  • Not driving under adverse weather conditions
  • Encourage a visit to their primary care physician or pharmacist to go over medications that may affect driving skills. Your physician may be able to recommend a Driver Rehabilitation Specialist. This individual can assess driving safety by an office exam and driving test and make recommendations regarding special equipment or techniques that can improve the driver’s safety. Consider ways to decrease the need to drive. Check out alternatives to shopping by car, including:

  • Arrange for home deliveries of groceries and other goods, and try to arrange for home visits by clergy, medical and personal care providers, and government service providers.
  • Use financial services that don’t require bank visits, like automatic bill paying, direct deposit, and bank-by-phone or on-line banking services.

Fears of those living in an aging society 

Fear of isolation and decrease in socializing is a real concern for the aging driver. It is important to keep spirits high as the aging driver makes the adjustments to becoming a non driver. Be in tune to their need for fun, volunteering, work and religious activities. Create a transportation plan that can make it easier for the aging driver to give up driving. You can create a list of friends and family that are willing to drive, contact the church and the local Area Agency on Aging in regards to transportation programs in the area.

Some seniors may adjust better if they can keep their own car, but have others drive them. Their own car may feel more comfortable and familiar, and the sense of loss from not driving may be lessened. Remember, baby boomers have grown up walking out the door and being able to go where they want to go. We need to keep the aging adult driver and those on the road with them safe.

Diane Carbo RN- As a geriatric care manager, that has cared for her father and mother in law in their homes, she learned first hand how overwhelming, stressful, and time consuming caring for a loved one can be. Staying in their homes was very important to them. As a result, Diane started http://www.aginghomehealthcare.com to assist others age in familiar surroundings and avoid the emotional and frustrating task of maneuvering the medical delivery system

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

When Senior Citizens Become Suddenly Single by Beverly Slover

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

7856870-mature-couple-in-love-senior-citizens-portraits-of-a-married-couple

In today’s society it has become common for a Senior Citizen to become suddenly single. Perhaps their spouse has died or they became divorced or their live in relationship of many years has come to an end. It does not really matter how they become single again, but rather what they choose to do about it.

Many Seniors will want to find a new mate as quickly as possible. Others will wait and finally cave into the loneliness. There are even some who are just lost and there are a few who are all right with their own company. All too often Seniors will seek a new partner to fill the void they feel in their lives. That void can be filled by appreciating themselves as a person and celebrating their own individual uniqueness.

Once a Senior is suddenly single again they do not have the influence of the past partner any longer. They have the freedom to choose based completely on their own wants, desires or needs. This can be a strange concept for many Senior Citizens.

The key to choosing what to do is first finding out what they want to do. Taking the time to find out who they are at this stage of their life and what their expectations may be. Feeling comfortable with their own company before searching for the company of someone else can make a difference in their choice of a partner. Learning to take the responsibility of making themselves happy can be the key to finding happiness in a new relationship. Being comfortable with their own aloneness can keep them from feeling lonely while they take their time entering the dating scene.

The most important thing to remember is that dating is suppose to be fun, not desperate.

Beverly A. Slover

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

TimeSlips Storytelling Inspires Senior Creativity

July 13, 2013 by · Leave a Comment
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By Nancy LaFever / Posted on 12 July 2013 in Seniorsforliving.com (link below)

Timeslips StorytellingA creative program that was originally designed to assist seniors with dementia,TimeSlips uses a storytelling format to spur creativity in older adults and other age groups. Using TimeSlips,trained facilitators have people create stories from prompts, usually pictures. Especially effective with dementia patients, it relieves the often anxiety-producing effort of remembering with imagination. As described, “TimeSlips opens storytelling to everyone by replacing the pressure to remember with the freedom to imagine.”

A recent post on the Leadingage.org website reports that TimeSlips Creative Storytelling has launched a new online training system…  [to continue reading, go to http://www.seniorsforliving.com/blog/2013/07/12/timeslips-storytelling-inspires-senior-creativity/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+seniorsforliving%2FwtAk+%28Seniors+For+Living%29]

NEW Barbershop Chorus Hits the Stage Running

July 8, 2013 by · Leave a Comment
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NEW Barbershop Chorus Hits the Stage Running

The Silver Statesmen barbershop chorus, only six months old, is already making a name for itself.
With Jim Halvorson at the helm as our new director, the chorus has met competition head-on in Ontario, CA where they were awarded Plateau A Chorus Champion in their division. They will compete in October in Bakersfield, CA, where the Far Western District competition gets stiffer with choruses from Arizona, Nevada, Southern Utah, California, and Hawaii.
With nearly 80 men on the roster, the Silver Statesmen will be performing locally at four different venues to celebrate the 75th anniversary of their parent organization, the Barbershop Harmony Society.

The show, “Celebrate Harmony”, will be at these locations:

■ Friday, August 2, 7pm, Sun City Anthem – Freedom Hall, 1815 Hovenweep St., Henderson
■ Saturday, August 10, 7pm, Sun City Summerlin – Starbright Theater, 2215 Thomas Ryan Blvd., Las Vegas
■ Sunday, August 11, 2pm, Winchester Cultural Center, 3130 McLeod Dr., Las Vegas
■ Saturday, October 5, 2pm, Desert Spring United Methodist Church, 120 N. Pavilion Center Dr., Las Vegas

The Silver Statesmen chorus is Nevada’s largest men’s a cappella group. It is an award-winning, all volunteer chorus known for its thrilling, close harmonies and commitment to musical excellence.

The chorus is chartered as the Las Vegas Chapter of the Barbershop Harmony Society. Proud to perform and preserve the unique sound of “barbershop” harmony, the chorus also sings a broad repertoire of other musical styles.
The chorus provides singing, music and performance education opportunities, as well as Youth In Harmony programs in communities within the Las Vegas Valley and throughout Southern Nevada. The chorus, a 501(c)(3) nonprofit educational organization, is self-sustaining through gifts, performance fees, admission to shows, and other fundraising activities.

The Silver Statesmen invites men of all ages to join. The chorus rehearses at 7pm each Thursday, at Christ the King Community Church, 4925 S. Torrey Pines Dr., Las Vegas, NV 89118. For more information, visit www.silverstatesmen.com

SilverStatesmen Ontario CA 5-11-13 (1)

EarlySense System Implementation Shown to Reduce Falls, Decrease Transfers to Hospitals and Increase the Quality of Care for Elderly in Multi-Center Nursing Home Study

June 5, 2013 by · Leave a Comment
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  EarlySense System Implementation Shown to Reduce Falls, Decrease Transfers to Hospitals and Increase the Quality of Care for Elderly in Multi-Center Nursing Home Study

Clinical data presented at the 2013 Annual Scientific Meeting of the American Geriatrics Society

 

Waltham, MA, May 3, 2013 —- EarlySense, the market leader in Proactive Patient Care Solutions™, announced today the results of a multi-center clinical study demonstrating that the EarlySense system helps medical teams at rehabilitation centers to reduce patient falls as well as the number of patients transferred back to the hospital.  The clinical data was collected from The Hebrew Home at Riverdale, NY and Dorot Medical Center in Israel.  The data was presented today at the 2013 Annual Scientific Meeting of the American Geriatrics Society (AGS) by Hebrew Home medical director and study principal investigator Dr. Zachary J. Palace in a poster titled The Effect of a Continuous Patient Monitoring System on Reducing Hospitalization and Falls in Skilled Nursing Facilities.

 

Dr. Palace said, “The implementation of EarlySense on the post-acute care units has demonstrated a significant decrease in the total number of falls and a trend towards reduction in the readmission rate back to hospitals, thus improving the overall quality of care for the elderly. The system also alerted regarding early warning signs of patient deterioration which enabled our medical team to proactively respond and literally save four lives. As clinicians we are always on the lookout for better ways to provide safer, more effective care for our patients.”

 

Dr. Palace continued, “Patient falls and subsequent hospital transfers are an ongoing challenge for most rehabilitation centers. The EarlySense system is the first technology to help us more effectively and proactively respond to early warning signs of deterioration and potential falls to secure better patient outcomes. We’ve experienced success and look forward to continuing this trend.”

 

Dorot Medical Center principal investigator Dr. Gad Mendelson said, “As the population ages, we are seeing a growing need to provide safer, smarter care without increasing our staffing level.  In this clinical trial, we saw that the continuous monitoring nature of the EarlySense system and its low level of false alarms allowed our team to reach deteriorating patients earlier without creating alarm fatigue.”

 

Eight-hundred and thirty-three (833) patient records at The Dorot Geriatric Center, a 374-bed facility in Netanya, Israel and seven-hundred and seventy-three (773) records at the Hebrew Home at Riverdale, an 870-bed skilled nursing facility in Riverdale, N.Y. were collected and reviewed over a six month period.  The transfer rate to the hospital decreased by 21% (p=0.12) at Dorot, and the falls rate decreased by 38.5% (p<0.05) at the Hebrew Home.

 

Mr. David Weinstein, Executive Vice President & Chief Operating Officer of the Hebrew Home at Riverdale said, “The Hebrew Home at Riverdale has always been at the forefront of care and technology.  Early Sense compliments our unique platform by offering our residents innovative advancements that are safe and effective.”

 

EarlySense Vice President of Clinical and Regulatory Affairs Dalia Argaman said, “We are fortunate to be able to work with two outstanding and highly skilled nursing facilities like the Hebrew Home and Dorot.  We look forward to continuing what has been a very productive cooperation at both of these fine locations with the vision that the EarlySense system will continue to benefit medical teams, patients and their families within the entire healthcare spectrum, in the various markets across the world where we are actively promoting the EarlySense Solutions.”

 

About EarlySense

EarlySense has brought to market an innovative technology designed to advance proactive patient care and enable clinicians to achieve better patient outcomes, by assisting in preventing adverse events from occurring through the early identification of potential adverse events, in the form of falls, pressure ulcers and/or patient deterioration.  The company’s flagship product, the EarlySense System, is a continuous, contact-free, patient safety monitoring solution that monitors and documents a patient’s vital signs and movement using a sensor that is placed underneath a bed mattress. There are no leads or cuffs to connect to the patient who has complete freedom of movement and is not burdened by any cumbersome attachments.  The system was initially designed to monitor non-ICU ‘lower risk’ patients on medical surgical floors who are usually monitored by nursing staff approximately once every four hours. The system is currently installed at hospitals and rehabilitation centers in the USA and Europe.  It is also commercially available in Canada. Hospital administrators report that patients, their families and staff feel more comfortable knowing the system is in place.  EarlySense Inc. is headquartered in Waltham, MA.  Investors include: JK&B, Pitango Venture Capital, Etgar Challenge Fund, ProSeed VC Fund (TASE: PRSD), Docor International Management, Noaber, and Bridge Investment Fund, and Peter Soderberg, managing partner of Worthy Ventures Resources, LLC and former president and CEO of Hill-Rom Holdings, Inc. (NYSE: HRC).  For additional information, please visit www.earlysense.com.

 

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Respecting The Rights Of Senior Citizens – 4 Factors To Pick The Right Care Facility For The Elderly by Abhishek Agarwal

June 4, 2013 by · Leave a Comment
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There is no formal ‘Senior Citizens Bill of Rights’, but as individuals, senior citizens are entitled to their rights. However, the senior citizens have little energy left in them in their old age to fight for their rights and therefore, it is the duty of the children to see that their elderly parents are getting what they are rightfully entitled to.

Every right must be claimed to be deemed as a right. There are laws in existence for the running of nursing homes for the elderly and retirement communities. Even if your elderly mom or dad is in an assisted care facility, there are certain laws that are fundamental and expected to be followed by these care facilities too. It is your duty as a caregiver to see that they are following the laws and living up to the expectations.

There are some factors that you must verify before selecting a facility for your elderly parents:

– Ensure that the facility will provide the basic cleanliness and safety. Check out the evacuation plans in place, in case of an emergency situation. Verify whether the evacuation plan is a workable one, considering the fact that the facility may be full of elderly and invalids who may be slow in moving out of the building in case of a fire. Find out if there is emergency power available to operate the automatic doors and elevators so that everyone can get out safely.

– If food is provided by the facility, ensure that meals will be provided three times a day. The meals should be healthy and the food should be delivered to the room if your parent is disabled or injured. There should be some variety in the diet and since there is a separate charge for the food, it is not wrong to expect some quality and variety in the food.

– If your parent has moved to an assisted care facility, they have every right to live as they wish in that apartment, since they have paid for it. However, they have to observe certain restrictions because they are living in a community setting. They should be able to live without any interference from the staff of the facility and have the freedom to select the décor of the apartment or have family and friends to visit.

– Another fundamental right of a senior citizen is to be treated with compassion, respect and dignity. Although this is not a tangible right, how the staff at the facility treats the elderly is an important aspect in the selection of a facility for your parents. The staff of the facility must be respectful and pleasant in their dealings with your parents. If your parent complains of any emotional or verbal abuse, you must investigate and hold the facility accountable for it.

As a primary caregiver, responsible for the well being of your elderly parents, you have the right to remind the assisted care facility of their responsibilities. Ensure that your parents are getting the service and care that they paid for and that they are comfortable in their living quarters and enjoying their stay there.

Abhishek successfully runs an Old Age Home and he has got some great Eldercare Secrets up his sleeves! Download his FREE 80 Page Ebook, “How To Take Great Care Of Elders” from his website http://www.Senior-Guides.com/560/index.htm. Only limited Free Copies available.

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

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

May 30, 2013 by · Leave a Comment
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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

Senior Citizen Abuse by Jessie Penn

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

News headlines report of senior citizen abuse, most everyday. Long gone are  the values and moralities of our grandparent’s generation. Time was when a  handshake, or your word was all that was necessary to honor commitments. Gone  are the days on an unlocked house, open windows, or sitting out back alone.

The elderly in today’s society can, unfortunately, encounter many traumatic  events for no cause of their own. Predators watch and learn learn an old  person’s schedule, like, when they leave their homes and when they are likely to  return, what times they get up or go to bed, and if they are handicapped or ill  by the comings and goings of a visiting nurse.

Many in the society of today appear to have lost all respect for other  people’s property. It seems these people are without limits, with nothing more  important than self-serving tactics. Who cares if an old person is lonely, in  pain, or needs assistance?

Many times, the media tells us about a kid that brutally beat elderly  parents, grandparents, or elderly strangers. Without any motivation, other than  pursuing what they want, senior citizens can become their prey. And, if they  want something you have in your home, you could be their next victim.

But, not all attackers are strangers, and the elderly person might not be  beaten, robbed, or brutally murdered by the hands of an unknown person.  Sometimes, the attacker is a family member, relative, or friend.

When elderly people are attacked or threatened, how are they to protect  themselves? Many don’t possess the strength or agility to fight back or run.  They can fall down stairs, against door jams, or be trapped in a wheelchair.  Many times they do not understand what or why this is happening to them, because  the person doing them harm is someone they trusted.

Perhaps a friend or relative lives in the senior citizen’s home to provide  assistance and/or companionship. This person might get angry because they don’t  want the responsibility of caring for an older person. Perhaps they feel as if  their freedom has been taken from them. If the elderly person has adequate  finances, the one that is supposed to be looking out for the well-being of the  senior begins to feel that they should be compensated or rewarded  excessively.

An elderly person who refuses to give money or sign over their property,  risks being violently attacked by a family member or friend. It could be an  adult son or daughter, grandson or granddaughter, or a friend. Most elderly  people hesitate to report abuse from a relative or friend. Many are in failing  health, and don’t know who to turn to for help. Or, perhaps, they fear the  attacker will retaliate and things will get much worse, if they report the  abuse.

Aging can be a lonely and painful experience. Some senior citizens were  attacked and left alone to endure the pain and shame. Many could not get to  their phone to call for help. But, if they would have had an emergency alarm,  the help they needed could have been summoned.

A small device, disguised as a pendant or wristwatch can save lives,  literally. There is no need to get to a phone. Help and assistance is no further  away than the end of the finger. As easy as pushing a button on the device calls  an emergency operator, and help can be on the way.

Many times, long-term injuries or death can be the result of not being able  to get the care when it is needed. A personal security device can provide peace  of mind, and is a true friend in need. Senior citizens can live independently  knowing they have the ability to get help whenever they need.

Get free information to protect your loved ones when a medical emergency or  security treat happens. Go to http://personalsecuritydevices.walkinsarewelcome.com

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

 

The Best Senior Citizen Cell Phones for Our Sandwich Generation Family – How About Yours? by Kaye Swain

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

Recently, when I was out of town I tried to call my senior mom. I called her  at the house, but got no answer. I called her Jitterbug cell phone for senior  citizens and still no answer. Years of caring for elderly parents, not to  mention raising teenagers, has taught me not to panic, so I prayed about it and  stayed busy. After a short while, she called and explained she had been busy  with senior gardening projects. A big storm was coming and she needed to move  her garden wagons full of pots into the garage. My phone call arrived when she  couldn’t get her hands into her pocket, but she called as soon as she was  done.

I was happy to hear her, and so very glad she did have her Jitterbug – one of  the best cell phones for senior citizens – so she could hear me and call me back  so easily. It really takes a load off my mind when I have to be gone. She’s  never yet needed to, but I really love that in an emergency all she just has to  dial is 0 and the operator will come on the line to call anyone on her list or  even call 911 for her. How easy is that! About the only thing easier is a  medical alert device like an emergency pendant or wrist watch. Then again, at  the moment, those are primarily limited to just working at the home. However,  the Jitterbug cell phones for the elderly go everywhere! For those of us dealing  with the issues of caring for the elderly parents in our family, that’s a real  boon!

There are a couple of other new cell phones for elderly parents that I’m  starting to hear about and hope to check into further. So far, though, the ones  I’ve looked at don’t offer what we get with the Jitterbug, making it the best  cell phone for the senior citizens in our family.

We truly consider the Jitterbug to be an essential tool in my senior parents  gardening toolbox! It gives my aging mom the freedom to go out and about,  knowing that, in her pocket, help is only one button away!

You can find more information about these excellent senior cell phones and how easy they are to use by reading my  article, Our Opinion of the Best Cell Phones for Senior Citizens, as well  as other articles I’ve written about senior cell phones at my primary site,  SandwichINK – http://www.SandwichINK.com – which is full of information,  resources, and encouragement for the Sandwich Generation as you stay busy  dealing with the many issues of caring for elderly parents and babysitting  grandchildren.

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

 

Ways Senior Citizens Can Keep Young by Charice Louise

April 19, 2013 by · Leave a Comment
Filed under: Articles 

No one wants to grow old before his or her time. There are some things senior  citizens can do that will keep them looking and feeling younger. Consider these  seven ways seniors can stay young.

Geriatric Massage is one of the best things senior citizens can do for  themselves. The massage of the muscles improves blood circulation by moving  blood cells that may have become trapped in the capillaries. The massage  provides relief for stiff and sore muscles resulting in the person feeling  better. As muscles are released, the individual has more freedom of movement  resulting in an improved posture. Many seniors report fewer problems with  insomnia or other sleep problems after a massage.

Senior citizens soon learn that eating healthy is in their best interest. A  healthy diet provides the needed fiber to keep the individual regular and fight  the discomfort of constipation. Eating healthy food provides the body with  antioxidants to fight disease and can prevent health problems. The senior who  selects healthy foods is more likely to maintain a healthy weight, one of the  keys to living a more active life with fewer health problems.

There is a tendency of some seniors to withdraw into their own homes and  avoid socializing with others. However, you need to socialize in order to stay  young. If you have hobbies that you love, now is the best time in life to  partake in them. Make an effort to remain in touch with friends and family. The  banter of conversations with those outside your own home is necessary to keep  your mental functions sharp.

Exercise has many positive benefits for the senior citizen. In addition to  making the person look younger and fit, exercise can improve flexibility and  increase mobility. A workout releases endorphins, chemicals that help to improve  the overall mood. The person who is in shape is less likely to experience falls,  which can lead to broken bones.

Retirement can be a joyous time; however, it is easy to begin to feel that  your existence on earth is no longer making a difference. Seniors that get  involved stay younger by knowing that their presence matters. Many volunteer  organizations need help. Become a grandma or grandpa volunteer at local schools.  Volunteer at a hospital. Use your time to benefit your church, synagogue or  other house of worship.

Use your brain to keep young. Get a library card and read on a regular basis.  Enroll in a community college course to learn something new. Keep your brain  challenged using crosswords, puzzles and games.

Use meditation to reduce stress on a daily basis. Use relaxing exercises such  as tai chi or yoga (often available at your local Y) to reduce your stress  load.

Massage Envy Spa Valencia, CA is Valencia’s most affordable spa. Visit them  online today at http://www.massageenvy.com/clinics/CA/Valencia.aspx, or visit  their blog at http://expertmassagetherapy.com/valencia/.

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

 

Nevada Senior Guide – Senior Safeguards – Easier Independent Living

www.seniorsafeguards.net

Senior Safeguard

Senior SafeGuards specializes in Ramping, Handrailing and Independent Living Aids. We are a family oriented small business in the Reno, Sparks area of Nevada. We sell Modular, Suitcase, Multifold, Threshold, Solid, and Van Ramps. We also carry Independent Living Aids and disability equipment.

We are one of the few companies in the area that will install your ramp for you. We also have RENTAL RAMPS available if you are laid up for just a few months.

Give us a call at (775) 359-3889 for a free quote. We look forward to working with you.

Email:  rick@seniorsafeguards.net

 

nevada-senior-guide Pacifica Henderson


Henderson Senior Living – Pacifica Green Valley

Pacifica  Senior Living understands that at any age, maintaining a sense of  freedom and independence is very important. At our Henderson senior living community you  will enjoy a lifestyle of choice. Our Heartland Assisted Living staff  is trained to provide the services you may need in a supportive  environment. Our goals are to promote an active and self-reliant  lifestyle; to recognize when assistance is necessary; to provide caring  attention; and to continue to educate our community.

Living Options

Pacifica Senior Living Green Valley provides the most innovative healthcare solutions for senior living in Henderson, NV to our residents and their families. By embracing the latest research available, we have developed the best care solutions available for assisted living and memory care for seniors in Henderson.

Services and Amenities

Grandmother and grandaughter hugging enjoying our Pacifica Senior Living Services in Henderson.

Pacifica  Senior Living Green Valley is a gracious single story full-service  retirement community nestled among beautifully manicured grounds,  gardens, and walking paths.

We  encourage our residents to allow us (the staff) to assist them in any  way we can. We believe it is our residents’ turn to relax and enjoy  retirement living at its fullest. Our mission is to help them feel at  home each and every day.

In addition to the apartment home maintenance, we offer generous amenities and services.

Pacifica Senior Living Amenities Include:

  • A charming, gated community with a single story, cottage-style design – no long corridors, stairs or elevators.
  • 24-hour on-site professional staffing
  • Family-style dining – three times a day
  • Weekly housekeeping, linens and personal laundry
  • All utilities (phone at an additional fee)
  • Cable television
  • Scheduled transportation
  • Social, educational, spiritual, and recreational programs
  • Full service beauty salon (additional fee)
  • Access to comfortable indoor and outdoor leisure areas
  • Manicured and maintained landscaped grounds with water fountain
  • Expansive rose garden and walking paths
  • Library
  • Vibrant activities program-rose hall community center
  • On-site apartment home maintenance
  • Pets welcome! (additional fee)

Our separate, secured memory care community offers:

  • Personalized memory care in a secure, comfortable setting
  • 24 hour safety supervision and assistance
  • Daily programs to enhance resident engagement
  • Secure exterior courtyards specifically designed for resident outdoor experiences

Cottages of Green Valley

(702) 992-0000 

2620 Robindale Road 

Henderson

West of Pecos

 

  • 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!