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Take a Number: Five Ways to Look at Age

April 24, 2016 by · Comments Off on Take a Number: Five Ways to Look at Age
Filed under: General 

One for the Ages

Satchel Paige was a great baseball pitcher, one of the greatest of all time. He was an African-American and, due to the racial discrimination of the time, most of his outstanding career was not spent in the (white) major leagues. However, after the historic breakthrough by the courageous and talented Jackie Robinson (Mr. Paige’s junior by about 14 years), Satchel Paige pitched in the major leagues for a number of years. In fact, he was still able to get major league batters out at the age of 60! (Mr. Paige’s age at his retirement from baseball is not known for certain because no one, probably including Mr. Paige himself, knew his exact year of birth; some thought he was older than 60). Mr. Paige revealed a mind as sharp as the break on his curve ball when he asked this profound question for the ages:

“How old would you be if you did not know how old you are?”

These writings are dedicated to the memory of Satchel Paige and to all the so-called “over-the-hill” guys and gals in every sport and in every area of life, from Churchill and Reagan in politics to Jessica Tandy in acting and Paul McCartney in fatherhood. They and many like them in the past and present will be joined by many more in the future who are not really “over the hill” because they are too busy taking the hill.

Five Ways to Look at Age

Chronological Age

The most common way to look at age is the Chronological. This is the one that everyone is familiar with. It is simply the time that has passed since your date of birth to today. It is the one that governments and insurance companies require of you and that your Doctor knows, even if your boy friend doesn’t. It is a unidimensional measure because it considers only time. It is uniform because everybody who is 48 years, 6 months, and 3 weeks old is exactly that, chronologically. People who view age only from the chronological perspective are somewhere between dumb and dumber.

True Age

True Age is another and better way to look at your age. True age is basically what a measurement of all the biomarkers of aging would reveal about you. Here’s four points about true age. One, if a well-trained physician did NOT know how old you are but reviewed a print-out of your biomarkers, she or he could accurately estimate your true age. Two, your true age is not uniform but varies by individual: you can be younger or older than your chronological age. Three, true age is multidimensional rather than confined to time. Four, absolutely nothing can be done about chronological age because it is fixed, but a great deal can be done about true age.

Appearance Age

Appearance Age is the age you appear to be to others. It no doubt has some relationship to both chronological age and true age. Yet it is different. This is because it is heavily influenced by a number of factors outside the scope of biomarker measurement, not the least of which is attitude. We all know people that appear to be quite a bit younger or older than their chronological age. But the only scientific way to measure a person’s appearance age would be to have a representative sample of the population observe a person for at least a few minutes. A quick glance is not sufficient because appearance age includes factors such as movement of the body and alertness, not just a frozen face. Then the estimates from all members of the representative sample would be gathered, simple statistical measures applied, and Voila! You have the person’s appearance age. Of course, unless we are part of a study, none of us will ever get this scientific about it. We will just have to rely on random comments from friends, family, and nice or mean strangers to estimate our appearance age; and usually it’s a pretty good estimate.

NEAT Age

A new way to look at age, which occurred to me awhile back, is what I call one’s N.E.A.T. age. This is simply one’s time left on the planet from right Now to the time of death. This age is unknowable by readers or anyone, except those committed to imminent suicide (and these poor folks are no more likely to take the short time remaining to do age calculations than they are to be caught dead reading an article about lively longevity). The best we can do is make a calculated estimate based on what we know about the general population and factor in any pluses or minuses that apply to us individually.

The N in NEAT of course stands for Now since the calculation is from the present, today, right now. E is for Elusive because I believe moments of time are elusive. As we humans try to hold or capture a moment of time it eludes us because the next moment is here, and then the next. Time and life are a flow.

The A in NEAT is for Allotted. Everyone who has ever lived has only so much time to live. Some have short lives, some have long lives, and some have lives neither particularly long nor short. But human life is finite and almost certainly will remain finite into the distant future if not forever. We do not need to take sides in the age-old debate about whether or not our allotted time is predestined by God in order to recognize that the amount is finite.

Of course, T is for Time. Time remaining is what it is all about. As has been oft noted: a millionaire on his death bed would gladly exchange his riches for a little more time, say one more day of healthy living.

So one’s NEAT age is one’s Now Elusive Allotted Time. It is a concept that provides a different perspective on aging and on life. For example, let’s suppose there was a 30-year old person named Terry and a 60-year old person named Sydney living in the same town in 1960. Conventional wisdom and simple arithmetic agree that Sydney was twice as old as Terry at that time. Such wisdom carries the (usually) unstated assumption that Terry is about 30 years further from the grave than Sydney. Statistically, this is difficult to argue with. But statistics are oft off for an individual and sometimes by a wide margin.

Let’s suppose that Terry had a lifetime of very bad health habits and, never having had the opportunity to read my writings, continued the very bad habits. Poor Terry expired a little shy of 40. (The same fate could have befallen Terry due to a dreaded disease or tragic accident.) Sydney, on the other hand, decided at some point to lead a health-conscious life. Sydney made good choices and stuck with them. Sydney enjoyed basically good health beyond age 100 before passing on. When Sydney was 60 and Terry was 30, Sydney had a NEAT age of 40+ and Terry had a NEAT age just under 10. So way back in 1960, who was younger: the one with less than a decade of life left, or the one with more than four decades of vibrant life left? One of the neat things about the NEAT age is that the bigger this age number the better.

Ideal Age

The fifth and final way that we will look at age is one’s Ideal Age. Your ideal age is your age of choice, your preferred age. The concept of ideal age brings us back to Satchel Paige’s question:

How old would you be if you did not know how old you are?

In a sense, perhaps most of us do NOT know how old we are anyhow. Sure we know our chronological age, and some of us have a rough gauge of our appearance age. But few of us know our true age, and none of us knows our NEAT age. So it should not be so difficult to put chronological age aside for a few moments and answer Mr. Paige’s question.

Before leaping to an answer like 21, keep in my mind that successful living usually involves a combination of physical vigor, mental acuity, and wisdom. Personally, my ideal age is 37; thus even at my next birthday I will still be one year younger than all the women over 40.

What about you? What’s your number? What’s your ideal age? The way my anti-aging program works for you is that after reflection you establish your ideal age. Then we work with all the tools and techniques of the program to bring your true age into ever closer alignment with your ideal age. There is a balance to be struck. A 90-year old reader shooting for an ideal age of 19 is setting up way too much of a challenge and thus is setting up for failure. A 50-year old reader settling for an ideal age of 45 is not challenging herself or himself enough.

Take a number.

Satchel Paige was the impetus for me to write the close to this article:

When it comes to matters of age,

It is best to take a page out of Paige,

And move forward with grace,

Paying no mind to this myth of the human race.

Gary Patrick is a certified anti-aging professional (Giovane Medical Services). He is also an author, hypnotist, personal trainer, and speaker. Free stuff is available for a limited time at his web site: [http://rapidresults.biz]

Article Source: http://EzineArticles.com/expert/Gary_Patrick/18668

Local New York Life Agent Jennie Kim Offering Added Protection and Security through AARP Products

March 18, 2014 by · Leave a Comment
Filed under: Press-Media Releases 

Jennie Kim from the Las Vegas General Office] of New York Life, is now authorized to offer AARP branded life insurance and lifetime income annuity products to AARP members.  It is the first time these group life insurance products are offered by authorized-to-offer Agents.

 

Ms. Kim is among a select group of New York Life agents who became authorized to offer her clients AARP Guaranteed Acceptance Life; AARP Level Benefit Term; AARP Permanent Life Insurance, all from New York Life and New York Life’s Guaranteed Lifetime Income Annuity.  She is a Licensed Insurance Agent andpassed courses specific to AARP.

 

Ms. Kim has been providing insurance and financial services for over 15yrs specializing in Life Insurance, Long Term Care, Retirement Planning and Estate Planning.  She has served on the Boards of Chambers and Non-Profits Boards and works with many multiple charity organizations including United Way.  She is a member of National Association of Insurance and Financial Advisors (NAIFA), Women in Finance Industry (WIFI), and many more. She resides in Las Vegas, Nevada with her three children.

 

Since 1994, AARP group life products from New York Life have been available via direct mail to AARP members.  The Company has also been the provider of group lifetime income annuities to AARP members since 2006.

 

New York Life Insurance Company, a Fortune 100 company founded in 1845, is the largest mutual life insurance company in the United States* and one of the largest life insurers in the world.  New York Life has the highest possible financial strength ratings currently awarded to any life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+).**  Headquartered in New York City, New York Life’s family of companies offers life insurance, retirement income, investments and long-term care insurance.  New York Life Investments*** provides institutional asset management and retirement plan services.  Other New York Life affiliates provide an array of securities products and services, as well as retail mutual funds.  Please visit New York Life’s website at www.newyorklife.com for more information.

U.S. Veterans Honored by Encore.org’s 2013 Purpose Prize

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

Seven Awards for People Over Age 60 Solving the World’s Toughest Social Problems

The Purpose Prize has become a “MacArthur genius award for people who develop a second career as social service entrepreneurs.” – The New York Times.

A veteran of the U.S. Navy organizes a network of volunteers across the country to teach disabled veterans of Iraq and Afghanistan how to combat stress — through fly-fishing.

A public relations executive helps wounded warriors find and renovate foreclosed homes – and transforms lives and neighborhoods in the process.

These are two of the seven winners of the 2013 Purpose Prize, awarded by Encore.org, a non-profit organization dedicated to supporting people who translate decades of skill and experience into “second acts” that contribute to society’s greater good.

Now in its eighth year, The Purpose Prize is the nation’s only large-scale investment in people over 60 who are combining their passion and experience for the social good. Created in 2005 by Encore.org, the prize is aimed at those with the passion to make change and the wisdom to know how to do it, showcasing the value of experience and disproving the notion that innovation is solely the province of the young.

Two winners will receive $100,000 each and five winners will receive $25,000 each.

This year’s winners:

* Vicki Thomas, Purple Heart Homes, Weston, Ct.
Thomas rallies communities around wounded soldiers, providing them with adapted foreclosed homes that improve quality of life for veterans and whole communities alike. ($100,000 winner of The Purpose Prize for Future Promise, sponsored by Symetra)

* Ysabel Duron, Latinas Contra Cancer, San Jose, Ca.
Duron taps into her own experience as a cancer survivor to shine a spotlight on cancer for Latino communities across the United States. ($100,000)

* Edwin P. Nicholson, Project Healing Waters Fly Fishing, Inc., Port Tobacco, Md.
Nicholson mentors disabled veterans, healing emotional wounds through the power of relationships and the great outdoors. ($25,000)

* Carol Fennelly, Hope House, Washington, D.C.
Fennelly runs a unique summer camp behind bars that is transforming federal prisoners into involved parents. ($25,000)

* Elizabeth Huttinger, Projet Crevette, Pasadena, Ca.
Huttinger’s project is on a path to eradicate human schistosomiasis, a disease infecting millions of the world’s poorest. ($25,000)

* Reverend Violet Little, The WelcomeChurch, Philadelphia, Pa.
Little is redefining the concept of “church” as she pastors Philadelphia’s homeless in a church without walls. ($25,000)

* Barbara Young, National Domestic Workers Alliance, New York, NY
Young’s rise from immigrant nanny to passionate advocate gives her a powerful voice in the fight for domestic workers’ rights across the United States. ($25,000)

The Purpose Prize winners will be honored on December 5, 2013, at an awards ceremony in Sausalito, Ca. NBC’s Jane Pauley will emcee the event for hundreds of Encore leaders and the Purpose Prize winners.

Twenty-one judges – leaders in business, politics, journalism and the nonprofit sector – chose the seven winners from a pool of more than 1,000 nominees. Judges include Sherry Lansing, former CEO of Paramount; David Bornstein, author and New York Times columnist; Eric Liu, writer and founder of CitizenUniversity; and Sree Sreenivasan, Chief Digital Officer for the Metropolitan Museum of Art in New York.

Funded by The Atlantic Philanthropies and the John Templeton Foundation, The Purpose Prize is a program of Encore.org, which aims to engage millions of boomers in encore careers combining personal meaning, continued income and social impact in the second half of life.

This year, Symetra is sponsoring the $100,000 Purpose Prize for Future Promise, which recognizes an individual whose approach for helping society has the potential to grow steadily over the next five years. The company plans to sponsor another Purpose Prize for Future Promise in 2014.

“While Purpose Prize winners are helping to solve a wide range of pressing social problems, they have one thing in common,” said Marc Freedman, CEO and founder of Encore.org and author of The Big Shift (PublicAffairs Books). “They – and millions of others in encore careers – are turning personal passions and decades of experience into invaluable contributions across sectors, continents and generations, often through entrepreneurship.”

Short summaries for all winners follow. Photos are attached. Longer bios and higher resolution photos are available.

Vicki Thomas, Purple Heart Homes, Weston, Ct.
Thomas, winner of this year’s Purpose Prize for Future Promise, sponsored by Symetra, rallies communities around wounded soldiers, providing them with adapted foreclosed homes that improve quality of life for veterans and whole communities alike. Following a 35-year-career as a fundraising and marketing dynamo, she became the director of communications at Purple Heart Homes in 2008 in an effort to provide greater services for veterans who have service-connected disabilities. In just three years, Thomas helped take the fledgling nonprofit to new heights. She has raised millions for Purple Heart Homes in financial contributions and material donations. Revenue shot up 600% in her first year with the startup. She’s developed an innovative program that matches veterans with foreclosed homes donated by banks, then raises the funds to renovate a home for the individual veteran’s needs. It’s a win-win for all generations—and communities too. It helps veterans to grow assets, towns to recoup lost taxes and neighborhoods that have struggled with foreclosures to stabilize.

Ysabel Duron, Latinas Contra Cancer, San Jose, Ca.
Duron is an award-winning journalist with more than 42 years in television broadcasting. She tapped into her own experience as a survivor of Hodgkin’s lymphoma to shine a spotlight on cancer for Latino communities across the United States. To focus on the plight of low-income Latinos fighting the disease, Duron founded Latinas Contra Cancer (Latinas Against Cancer), an organization committed to educating, supporting and providing essential services to low-income Spanish speakers often overlooked by the health care system. Latinas Contra Cancer has offered a range of programs that have taught more than 3,000 men, women and teens about the disease, resulting in more than 300 preventative cancer screenings. The group has provided psychological and social support to over 100 patients per year. However, the call to action Duron answered has had an impact far beyond the Bay Area. Her passionate commitment is helping Latino communities across the U.S. gain access to cancer support, information and treatment. Her great empathy for cancer patients has made her utterly clear on her bigger purpose in the second stage of life.

Edwin P. Nicholson, Project Healing Waters Fly Fishing, Inc., Port Tobacco, Md.
Nicholson mentors disabled veterans, healing the emotional wounds of battle through the power of relationships and the great outdoors. A cancer survivor and war veteran himself, Nicholson was impressed by the fortitude of disabled veterans at the Walter Reed military hospital, where he was treated for prostate cancer in 2005. It spurred him to found Project Healing Waters, a program dedicated to helping disabled soldiers and veterans recover from the trying aftermath of war through the sport of fly-fishing. One-on-one connections have been key to Project Healing Waters’ approach since the beginning. Nicholson knew there were fly-fishing groups and facilities all over the country. His innovation was to convince them to start, manage and lead fly-fishing instruction and outings with veterans through military and Veterans Administration facilities. The quiet bonds forged over fishing lines began to transform lives. Again and again Nicholson heard from family members who said their loved ones had returned from war withdrawn, angry, and difficult to be around. But after fly-fishing with Project Healing Waters, they’ve become happier, more open and engaged. Project Healing Waters works closely with VA Recreational and Occupational therapies to identify those who would most benefit from the program. Many are in wheelchairs or using prosthetics. A few are blind. Participants reflect of full spectrum of disabled veterans and include all ages, genders, ethnicities and disabilities. Nicholson says the impact “goes well beyond the mechanics of fly-fishing.”

Carol Fennelly, Hope House, Washington, D.C.
A lifelong social activist who ran homeless shelters in the District of Columbia for 17 years, Carol Fennelly abandoned her plans to retire in 1998 when she learned that D.C. inmates had been transferred to Youngstown, OH. One woman made 10-hour round-trip drives twice a week to visit her son. Moved to answer a social need, Fennelly thought about opening a hospitality house in Youngstown for family members visiting inmates. She soon learned that while 93% of the federal inmate population is male, in sheer numbers there are more programs for mothers in prison than there are for fathers. She decided she had what it took to change things. “I had spent years organizing, dealing with government, making change happen, and that emboldened me to think I could go into prisons and start all these radical programs,” Fennelly says. So she launched an encore career with Hope House, an innovative organization that helps prison inmates stay in regular contact with their children. In the past 14 years, Hope House has hosted 200 video teleconferences, 18,000 personalized book readings by fathers and 31 week-long summer camps, which allow kids to spend time with their fathers free of the usual restrictions that come with visitor hours and family chaperones. California recently decided to implement the Hope House model in its 33 state prisons. Prisons in Texas, Idaho and New Hampshire may follow. In 2013 Fennelly was honored at the White House as a Champion of Change.

Elizabeth Huttinger, Projet Crevette, Pasadena, Ca.
International public health expert Elizabeth Huttinger spotted a big idea in shrimp, and launched an encore career that could eradicate a disease infecting millions of the world’s poorest. Huttinger’s project – founded in 2006 – is targeting human schistosomiasis, an infectious parasite carried by river snails. Understanding that the population of prawns that eat those snails had precipitously declined, Huttinger, 63, has devoted her encore career to restoring the prawn population in the SenegalRiver Basin. Projet Crevette’s mission is multifaceted: the restoration of the prawn population diminishes the spread of schisto, provides new economic opportunities to afflicted communities and heals families infected by the disease. Today, Projet Crevette is a prawn-farming microenterprise, operated by locals at public watering holes. It has brought social innovation, new microbusinesses, environmental restoration and improved health to communities. Huttinger is confident Projet Crevette will meet its bold goal to fully restore the indigenous prawn population—and improve countless lives in the process.

Violet Little, The WelcomeChurch, Philadelphia, Pa.
Reverend Violet Little is redefining the concept of “church” as she pastors Philadelphia’s homeless in a church without walls. After 14 years as parish pastor trained in psychotherapy, Little left behind her traditional congregation to create a religious refuge for the homeless on the streets of the city, which became the “WelcomeChurch.” The church relies mostly on word of mouth, and services can pop up in a city park or on a sidewalk. No questions are asked, and everyone is welcome. The WelcomeChurch coordinates medical services through local universities, helps people get into rehab or jobs, and offers educational services to the public on the causes of homelessness. Little estimates 40 percent of her congregants have moved off the streets into permanent housing and the WelcomeChurch celebrates each and every one of them, many of whom stay connected with Little through their transition. Little’s congregation has grown to include hundreds of homeless as well as non-homeless volunteers in the EvangelicalLutheranChurch in America.

Barbara Young, National Domestic Workers Alliance, New York, NY
An immigrant from the West Indies who built a meaningful life on meager income, Young’s gritty rise from nanny to passionate advocate gives her a powerful voice in the fight for domestic workers’ rights across the United States. She’s encouraged thousands to stand up for their right to earn a living wage, and counsels and trains others to become leaders themselves. In 2004, Young began building a movement to legislate a Domestic Workers’ Bill of Rights in New YorkState, which would make overtime, paid time off and rest days mandatory. In 2009, when she heard then Governor David Patterson say on the radio that he’d sign the bill if it made it to his desk, she put on a full court press, becoming the engine behind passage of the law in 2010. The law is the first of its kind in the country, but Young is committed to making sure it isn’t the last. She’s now a key player in the NDWA’s expansion from 11 to 44 affiliated organizations with 15,000 members, up from 5,000 in 2007. Young’s passion for serving her community has only just begun.

Read More About Encore’s Purpose Prize at www.encore.org/prize.

About Encore.org

Encore.org is a national nonprofit that promotes the idea that people in their second acts have the talent and experience to solve some of society’s greatest problems.

About The Atlantic Philanthropies

The Atlantic Philanthropies are dedicated to bringing about lasting changes in the lives of disadvantaged and vulnerable people. In keeping with the Giving While Living philosophy of founder Charles “Chuck” Feeney, The Atlantic Philanthropies believes in making large investments to capitalize on significant opportunities to solve urgent problems now, so they are less likely to become larger, more entrenched and more expensive challenges later. The Atlantic Philanthropies also seeks to encourage others of significant wealth to engage in major philanthropic pursuits in their lifetime.

About The John Templeton Foundation

The John Templeton Foundation serves as a philanthropic catalyst for discoveries relating to the Big Questions of human purpose and ultimate reality, supporting research on subjects ranging from complexity, evolution, and infinity to creativity, forgiveness, love, and free will. We encourage civil, informed dialogue among scientists, philosophers, and theologians and between such experts and the public at large, for the purposes of definitional clarity and new insights.

About Symetra

Symetra Financial Corporation (NYSE: SYA) is a diversified financial services company based in Bellevue, Wash. In business since 1957, Symetra provides employee benefits, annuities and life insurance through a national network of benefit consultants, financial institutions, and independent agents and advisors.

 

CONTACT: Sara Ying Rounsaville, srounsaville@encore.org, 415-952-5121, or Russ Mitchell, rmitchell@encore.org, 510-969-0801

Fraudbuster Reports from Fraud Protection Network Can Protect Senior Citizens from Financial Losses

September 14, 2013 by · Leave a Comment
Filed under: Articles 

Fraudbuster Reports from Fraud Protection Network Can Protect Senior Citizens from Financial Losses

New services are designed to offer added protections for the vulnerable senior citizen market and will provide guidance and help for these at-risk individuals.

The launch of Fraudbuster Reports by leading consumer and investor protection services firm Fraud Protection Network (FPN) is designed to help senior citizens avoid falling prey to common scams and fraudulent schemes in the consumer marketplace. Due to the prevalence of these types of crimes, the National Council on Aging has called scams that target seniors “the crime of the 21st Century.” FPN’s full line of services can provide guidance and support for older individuals and couples in avoiding fraudulent transactions and protecting themselves against financial scammers.

 

Each year, older Americans lose billions of dollars to sham investments, dishonest commercial transactions and outright scams.

  • Major insurer MetLife estimates that individuals over 60 years of age experienced losses of nearly $3 billion due to scams, frauds and sham investments in 2010. This represents a 10 percent increase over similar loses in 2009.
  • According to research performed by the Certified Financial Planner Board of Standards, the average amount lost by senior citizens to these fraudulent transactions is $141,000.
  • Figures released by the Federal Trade Commission indicate that older Americans lose an estimated $35 million each year trying to claim fake lottery and sweepstakes prizes.

Senior citizens may be especially vulnerable to certain types of fraud that include the following tactics:

  • Healthcare scams that bill insurers for services not rendered or not needed
  • Counterfeit prescription medications that can actually harm patients when used as directed
  • Fake lottery and sweepstakes prizes that solicit a small advance cash payment to claim a much larger sum
  • Reverse mortgages from disreputable or unknown companies

These fraudulent schemes are among the most common scams that target senior citizens in the U.S. The Fraudbuster Reports service can be used to check out any company that offers services or provides investment opportunities for senior citizens. Fraudbuster Reports from FPN can be used to obtain a wide range of data on potential investments and retirement plans:

Protections for Consumers:

  • Comprehensive identity and background checks on businesses that target the senior citizen market, especially medical insurance plans, reverse mortgage offers and online prescription medication companies
  • Assessment and evaluation of online complaints to verify their credibility
  • Licensing checks to ensure proper federal and state credentials and business licenses
  • Contact with listed corporate references to ensure the authenticity of companies that offer services to older individuals

Senior citizens also receive personalized services from their own personal account executive to streamline the investigative process and ensure a comfortable working relationship.

Protections for Investors:

  • Due diligence investigations that identify primary stockholders and officers for companies and that disclose liens, judgments, pending charges and bankruptcies
  • In-depth evaluation of all information provided to senior citizens regarding the investment opportunities
  • Previous and current employment histories for company officers and board members
  • License checks for brokers to ensure appropriate state and federal licensing and to identify any areas of concern in the brokerage history
  • Reference checks and financial data for brokers and investment advisors
  • Investor protections also include all features available in the consumer protection tier

FPN does not evaluate the likely profitability of investments. However, the services rendered by FPN can help senior citizens avoid fraudulent investment schemes that offer no chance of financial gain.

To promote these new services and the launch of Fraudbuster Reports, FPN has begun a major media push that includes advertising spots on major networks that include CNBC, Fox News, Fox Business, MSNBC, CNN and CNN Headline News and Bloomberg TV. The commercial can also be viewed online at https://www.youtube.com/watch?v=ocieWK1hDq8.

About Fraud Protection Network:
Since its founding in 2012, FPN has provided advanced investigative services to help clients avoid being taken in by scammers and fraudulent companies. Because senior citizens are especially vulnerable to these dishonest schemes, FPN provides an exceptional range of services that are specifically designed to prevent scammers from preying on older Americans. The newly released Fraudbuster Reports products will offer even more protection for these at-risk individuals and can ensure a brighter financial future for senior citizens.

Contact:
Fraud Protection Network
Raul Martinez, COO
raulm@fraudprotectionnetworkinc.com
855-203-0683
www.fraudprotectionnetworkinc.com

Video with caption: “Fraud Protection Network TV Ads.” Video available at: https://www.youtube.com/watch?v=ocieWK1hDq8

Senior Citizen Information – The Social Security Funding Problem by Glen Jensen

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

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The Baby Boomer generation will begin taking early retirement in 2008. In 2011 they will approach the traditional retirement age of 65. As more and more Baby Boomers retire they will put a tremendous strain on the Social Security system. So far, no significant changes have been implemented to lessen the impact Baby Boomers will have on the Social Security system. The longer any action is delayed the more drastic the changes will be. Will these changes affect you? If you were born between 1946 and 1964, then you are officially a Baby Boomer and will probably be impacted by the Social Security funding problem.

The current and projected future financial status of the Governments’ trust funds is presented in the “The 2007 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds (OASDI).” The good news is that the Social Security Administration (SSA) states that there are no plans to reduce benefits for current retirees. In fact, benefits for current retirees are scheduled to continue growing with inflation. However, the 2007 OASDI Trustees Report also states, “Social Security’s combined trust funds are projected to allow full payment of scheduled benefits until they become exhausted in 2041. This means that unless changes are made soon, benefits for all retirees could be cut by 26 percent in 2040 and continue to be reduced every year thereafter. If you are “younger” senior citizen or a want to-be senior citizen, this is not good news

The Trustees of Social Security, the Comptroller General of the United States and the Chairman of the Federal Reserve Board have said, the sooner we address the problem, the smaller and less abrupt the changes will be. The independent, bipartisan Social Security Advisory Board has also said: “As time goes by, the size of the Social Security problem grows, and the choices available to fix it become more limited.” Addressing the problem now will allow today’s younger workers planning for their retirement to have a better assurance of the future of Social Security. The problem has not been addressed as of 2007.

If Social Security is not changed we have a limited number of options in the future. The options are to increase payroll taxes, reduce the benefits of today’s younger workers or borrow from the general fund. Social Security’s Trustees state, “If no action were taken until the combined trust funds become exhausted in 2040, much larger changes would be required. For example, payroll taxes could be raised to finance scheduled benefits fully in every year starting in 2040. In this case, the payroll tax would be increased to 16.65 percent at the point of trust fund exhaustion in 2040 and continue rising to 17.78 percent in 2080. Similarly, benefits could be reduced to the level that is payable with scheduled tax rates in every year beginning in 2040. Under this scenario, benefits would be reduced 26 percent at the point of trust fund exhaustion in 2040, with reductions reaching 30 percent in 2080.”

Social Security was never meant to be the sole source of income in retirement and that especially applies to the Baby Boomer generation. It is often said that a comfortable retirement is based on a “three-legged stool” of Social Security, pensions and savings. American workers should be saving for their retirement on a personal basis and through employer-sponsored or other retirement plans. If a Baby Boomer is not preparing for retirement with a pension and/or savings to supplement their Social Security benefits, they will have to delay retirement or continue working part-time.

Glen Jensen is a writer for [http://www.SeniorCitizenDirectory.com] which is a site that provides Senior Citizen Information.

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

Life Insurance Schemes Aimed At Senior Citizens by Bobby E Richardson

August 23, 2013 by · Leave a Comment
Filed under: Articles 

Expert Author Bobby E Richardson

I remember reading a news post once about a man in Florida that was arrested in a Life Insurance scam. It had been estimated that he had stolen millions in Life Insurance money from our senior citizens. Just thinking about the story infuriates me, and inspired me to give a few pointers out to seniors considering the purchase of a policy.

One of the craziest facts about the story aside from the stolen money is that he worked in a large financial group. I know that a scam can happen in any business structure but I was expecting it to be a door to door insurance salesman. When I say that, it’s not to take shots at those type of salesman; I used to be one, but those were my expectations.

First let’s take a look at a few of the reasons why seniors would need Life Insurance, and then how they can make sure they don’t get taken advantage of from a few idiots who call themselves salesmen.

There are several factors that could bring about concerns for seniors to leave money behind to loved ones.It is a way for them to cover final expenses for a proper burial and not leave the responsibility to loved ones, they can leave a lump sum of money to heirs that will be tax-free upon receipt, they could be raising grand babies that will need financial assistance, or it could be to just make sure money is in place to cover excess debts if they were to suddenly pass on.

The only drawback to getting Life Insurance as a senior is that finding a low costing policy is not impossible but it can be difficult.The best thing you can do is see if a trusted family member or friend knows an insurance agent or you can spend some time reading to learn about life insurance yourself.Then, go to a few websites or call around to shop to some of the agencies.

There are a few companies that will not allow seniors to purchase a term policy. With those companies the cut off age is usually about 65 and up. With the companies that do allow it, it will be more expensive.

9 times out of 10 seniors will be required to accept a whole life policy. Seniors should keep in mind that in order for them to pay off a whole life policy, the contract has to be maintained for 10 years.This time commitment does vary with a few of the insurance companies.

Here is a few question seniors should ask when considering a Life Insurance policy:

Does the company require a medical exam?

Are monthly premiums locked in for the life of the policy or will they increase with time?

Can I continually renew the policy for the life of the contract?

What are the specific renewal requirements?

Can the monthly premiums be waived in the event of disability or injury that limits my income?

When will the beneficiary receive the death benefit? (Some policies require the insured to be alive for 3 years before the beneficiaries received the face amount. If the insured dies earlier than the requirement, they will receive all of the premiums paid into the policy plus 10% interest, which is still better than putting the money into a bank account that wouldn’t give as much interest.)

Seniors just need to make they plan and effectively select a good policy, to give themselves that peace of mind in knowing that their loved ones will be protected financially in the event of their death. It’s sick to know that there are scam artist out there that will take advantage of those good intentions. But I do want to point out the fact that there are many good insurance brokers who will sincerely help people with finding the best policy to fit their families needs and more importantly their budget.

It is my pleasure to help Americans enjoy their retirement years with financial security. I care about providing products that protect you and your family. I am committed to ensuring peace of mind for your retirement future. My commitment to unsurpassed service and strong contract owner benefits has allowed me to experience consistent growth within my industry. I’m the one to offer you diverse financial planning choices for your retirement dollars.

We represent over a dozen of the nation’s top rated life insurance and annuity providers. We’ll provide you with information and pricing on every service available at your location and let you choose. No more high-pressure, heavily biased sales pitches from pushy insurance salespeople.

Life’s Protection

Bobby E Richardson

Phone: (386) 308-9626

Fax: (407) 210-1602

bobby.richardson@lifesprotection.com

[http://www.lifesprotection.com]

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

RENOWN HEALTH WELCOMES 71 NURSE GRADUATES

July 8, 2013 by · Leave a Comment
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RENO, Nev. (July 5, 2013) – Renown Health is excited to welcome 100 new
employees, including 71 local registered nurse (RN) graduates, several
experienced RNs, and 20 more employees in front-line patient care and other
roles. The new hires will meet for their first day of orientation at Renown
Regional Medical Center on Monday, July 8.

“We are pleased that so many of the area’s graduates choose Renown as the
place to build their career. Renown nurses and other healthcare
professionals have a tremendous opportunity to develop skills in multiple
areas. The Renown Health network includes three acute care hospitals, a
rehabilitation hospital, a skilled nursing facility and a large physician
practice,” said Michelle Sanchez-Bickley, Vice President Human Resources.
“With the wide range of clinical services we offer at Renown, employees have
a wealth of options to explore.”

As a private employer, Renown has developed programs to train healthcare
professionals and works closely with the university and community colleges
to offer residencies, clinical rotations, mentoring programs and local
faculty. The newly graduated RNs will participate in Renown’s nurse training
programs, which provide clinical support, education and mentoring. According
to Sanchez-Bickley, “Our residency and preceptorship programs are extremely
beneficial for new nurses they transition from the classroom to the
bedside.”

Renown is the region’s largest private employer and according to a recent
report from the Center for Regional Studies at University of Nevada, Reno,
the healthcare sector is a chief driver of western Nevada job growth. In
fact, healthcare employment grew by 9.6 percent over the past five years
while other sectors experienced a decline in jobs.

“We are committed to hiring, developing and retaining local employees,” said
Sanchez-Bickley. “To have a recruitment class of this size is very exciting
for Renown, and I hope for the new employees as well.” In total, Renown
employs 5,200 people and more than 1,400 of those are RNs.

Renown is a strong supporter of regional nursing programs, partnering with
the University of Nevada, Reno Orvis School of Nursing, Truckee Meadows
Community College, Western Nevada College and Carrington College. “Through
these partnerships,” said Sanchez-Bickley, “we are able to strengthen our
community ties, helping to provide education and support to individuals who
are looking to enter into the healthcare industry.”

# # # #

About Renown Health
Renown Health is Reno’s only locally owned, not–for–profit integrated
healthcare network. As the region’s largest private employer with a
workforce of more than 5,000 members, Renown provides more services than all
other local healthcare networks combined. It is comprised of three acute
care hospitals, a rehabilitation hospital, a skilled nursing facility, the
largest medical group and urgent care network and the region’s largest and
only locally owned not-for-profit insurance company, Hometown Health. Renown
also carries a long tradition of being the first in the region to
successfully perform the most advanced procedures.

Renown Regional Medical Center and Renown South Meadows Medical Center
recently achieved the Pathway to Excellence® designation, becoming the first
and only hospital in Nevada to receive this designation by the American
Nurses Credentialing Center. As a Pathway to Excellence designated
organization, Renown is committed to nurses’ satisfaction.

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.

Life Insurance Planning for Senior Citizens by Natalie Aranda

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

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

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

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

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

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

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

Thoughtful Gift Ideas for Senior Citizens by Natalie Aranda

May 31, 2013 by · Leave a Comment
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Kids are easily pleased by almost any gifts as the whole world is new to them. Senior citizens may have experienced and owned everything they wanted in their life. That’s what makes a challenge when it comes to choose gifts for your grandmothers or grandfathers.

No matter what time of year it is, personalized yet unique gifts will sure impress them if you listen to they say and look at what they do. Far too often people tend to buy senior citizens items that they’d never want. Consequently, you should first make a list of what type of hobbies they like. Do they enjoy golfing or spending time playing games with their friends? If this is the case, you could purchase a unique game for their Christmas gift. Researching vintage entertainment or new board games on EBay would be a different approach. This way you could give them something one of a kind. Christmas gift ideas may be tricky to come up with, but they should also incorporate how much you are thinking about them. Since you do want them to enjoy what you purchase, you could get them a gift certificate to a spa or a day at a romantic inn. These gifts are wonderful and inspiring items, regardless of what holiday it is. Chances are they will thank you for months, because the majority of gift givers do not think so deeply.

If you are having trouble coming up with birthday gift ideas, you should always remember to avoid joke presents! When we all get older, we cringe at the thought of age being mentioned. Although some senior citizens embrace who they are, some people would rather not make a big deal of their age. Therefore, you should avoid the birthday gift ideas that involve age jokes. You never know when you are going to offend someone. After all, the last thing you want to do is remind them of their life insurance settlements or the life settlement issues they may have to worry about.

If you are trying to find a better birthday idea, you should explore the idea of scrapbooks. By creating a book filled with photos, memories, and comments, it will bring your grandparents to tears. They embrace nostalgia and would love to have a keepsake that they can look through for years. As a result, these special birthday gift ideas are an extraordinary way to say you love them and are happy to be part of their lives.

Senior citizens may seem like they are impossible to buy for, but all they want are unique gifts like everyone else. No matter whom you are buying presents for, the gift ideas need to be out of the ordinary. Discouraged and don’t have a lot of money to spend? Even by taking time to create a memory book or photo album, it would bring a smile to their face. From birthday gift ideas to Christmas gift ideas, anything is possible as long as you put your heart into it. If you are looking for a quick fix and a simple present to buy, sadly you will be like everyone else.

Natalie Aranda writes on home and family [http://www.moonsome.net/Family-1/]. If you are having trouble coming up with birthday gift ideas, you should always remember to avoid joke presents! When we all get older, we cringe at the thought of age being mentioned. Although some senior citizens embrace who they are, some people would rather not make a big deal of their age. Therefore, you should avoid the birthday gift ideas that involve age jokes. You never know when you are going to offend someone. After all, the last thing you want to do is remind them of their life insurance settlements or the life settlement issues they may have to worry about.

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

Traveling With Senior Citizens by Karissa Price

May 28, 2013 by · Leave a Comment
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Traveling with elderly patients can certainly be a challenge, but there are many things that caregivers and family members can do to make it easier, safer, and less stressful. Planning ahead is essential to make sure everything goes smoothly and also to ensure that the traveler gets the most for their money. Last minute bookings are often expensive and should be avoided if possible.

When flying, here are some tips for easier travel:

1. Arrive at the airport with plenty of time to spare; getting through security can take much longer if the airport is busy or the patient moves slowly, and having to rush will only add to the stress
2. If possible, arrange in advance to have a wheelchair available and access to any special services offered to senior citizens
3. Make sure that the traveler has all of their identification, insurance information, itinerary, money, and medications; have copies of any instructions from physicians about medications or medical devices such as a pacemaker
4. Try not to pack too many clothing or other items; comfortable shoes are definitely necessary
5. To make the actual flight more comfortable, take a pillow and reading material or anything else for entertainment on the flight such as crossword puzzles or card games.

A common theme among senior citizen travel is to visit out of town family members, especially children, grandchildren, or even great grandchildren for a special event or just for a vacation. As soon as a wedding, birthday, or graduation announcement arrives, start planning the vacation! In addition to visiting family, there are many vacation destinations that cater to senior citizens. Many cruise lines have special senior citizen cruises, which can be a wonderful social experience for any seniors who want to enjoy the company of others and make new friends on their trip. Many destinations (such as Branson, Missouri, for example) have tons of specialty tours for senior citizens. Caregivers can find an abundance of information online about these tours, and should also check with the Better Business Bureau to make sure they are legitimate companies before paying for anything.

For more information, please visit http://www.trustedhandsnetwork.com

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

Final Expense Life Insurance: Life Insurance Agent Lures Senior Citizen Inside A Decaying Casket by Donald Yerke

May 18, 2013 by · Leave a Comment
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The sale of final expense life insurance opens up dormant prospects. Final expense life insurance representatives employ intense selling techniques  with a senior.

Looking confident but insecure, the sales agents feature dollar symbol  tattoos etched upon their chests. Typically enlarged eyes like low-cost red neon  glare as their looks show signs of being famished. In spite of this, these  indicated company agents resemble an assassin centering in on the newly  generated money target… a senior citizen.

Just about any older senior citizen has gained ample deep-rooted ability by  encounters with nonstop sellers. Stricken by a sales figure quota, the sales  agent keeps trying to hack continuously for sales closings. Stabilizing in for  improved position gets him shifting backward, bordering on dropping back just  like a gunshot hare.

The sales agent gives his best presentation. All the same, in all certainty  this is absolutely not a quick game, yet this still is an important matter of  life and death..By this time many newer career agents get raindrops of anxiety  arising swifter than the countless stars in the sky.

The retired weakened senior catches his breath and then takes an object out  of his new sweater zippered pocket. Out from an undersized vial of  prescriptions, he removes a singular one, more shrunken than an upsetting bug.  Without water to drink, the speck of the potent nitrate is centered then below  his tongue.

Wonder overwhelms the representative, now aware that this is absolutely  without doubt no chunk of sweet stuff. Making a response, the senior citizen  starts commenting in a gentle scratchy vocal tone. He replies it was a nitrate  pill as previously he had sustained a congestive heart stoppage. Flowing words & phrases bring figures of a full-length account of health circumstances.  Then a smile glows, as a gesture to the agent to dismiss the final expense life  insurance.

No doubt he had completely been outdone. How could this retiree still be  persuaded even if he rips the paperwork form from the agent’s possession?   His  plans of a high demanding canned sales recital turns to a grinding halt. The  newer agent is mum. And then finally he knows that letting a client feel being  in a burial place is absolutely cold.

On this occasion with the mild light wind, the conversation adjusts to one of  interactive mutual interest. The topic is fishing.. This improved topic  activates passion, even if at points the vastness of trophy fish landed most  certainly appeared to be expanded.

This newer agent notices how swiftly the chitchat among the two flows back & forth. Maybe securing the respect of the potential purchaser to approve of  you is much more gainful than fighting disputes? Perhaps confidence evolves into  being as potent as facts and results?

Closely after comes a move surprising the agent, similar to a creepy  cockroach unveiled to a spotlight. The older senior citizen pulls from inside  his wallet a picture of his individual grandchild. Next gently nudging the sales  agent he asks, “Will you tell me of the final expense life  insurance?”

The company agent holds to  his very greedy wants only,. Not at any time does  he inform the senior that the final expense life insurance coverage will  absolutely be turned down. Still, much like a crafty rat in an infested attic,  he scurries finding the insurance application. The good man even asks for being  insured for the greatest amount. Not even finishing the all-important paperwork  form, the trustworthy big-bellied new buyer goes into a far end passageway.  Reappearing, his fist is skintight encircling a roll of cash.

Close to drooling, the agent needs this newest purchaser to merely sign the  policy application. Arriving at the office later, the agent knows the final  expense life insurance application is not truly guaranteed issue. Quickly he  makes an unusual decision. The sales agent, very low on funds, decides to  swindle the $700.00 and destroy the application form.

Two years later to the day, the senior has his bright light turn to final  darkness. After the burial and coupled with grief, the grandchild finds he does  not receive one dime.

Case shut… but not completely. That precise identical time, a young chronic  drunk rams through the metal barrier aside a hill. Someone with identity  comparable to the former agent’s likeness is at once being engulfed in glowing  flames. After his instant cremation, no life insurance coverage is ever  located.

Final Expense Life Insurance was written by professional insurance business  writer, Donald Yerke. His writings will likely be launched right here, and  published in many locations. Find important material at Agents Insurance  Marketing, [http://www.agentsinsurancemarketing.com] right now. During the time  there steal your complimentary personal copy of “The Science of Getting Rich,”  as long as supplies last.

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

Internet Safety For Senior Citizens by James Kirkwood

May 16, 2013 by · Leave a Comment
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Dishonest individuals scamming senior citizens out of their money appears to  be happening more often than ever before. Seniors are targeted most often by  criminals due to the fact that it can sometimes be easier to gain the trust of a  senior trust and also due to the fact older, retired people are more likely to  have some savings set aside and therefore become a more lucrative target. It can  be helpful to keep some of the following tips in mind to help you or your loved  ones who are older protected against scams and frauds, especially when shopping  or working online.

Todays seniors say that staying in touch with family members and friends  remains the main reason that they use the internet. According to recent research  by the American Association of Retired Persons, seniors are the segment of the  online community that is growing the most quickly. It is estimated that more  than 27.5 million senior citizens are using the internet today. These numbers  have risen significantly from about 10 years ago, when it was estimated that  just over 10 million seniors were online. Increasingly, these seniors are  putting their computers to use doing online shopping and banking, and people 55  and older are becoming quite a popular target for internet marketers.  Unfortunately, some of those marketers are actually criminals who are using the  internet to take money from unsuspecting victims. Because of the fact that the  internet is relatively new, these scams continue to grow and develop.

While almost all age groups have their own distinct vulnerabilities and risks  when making online transactions, seniors unfortunately seem to be at the  greatest risks for internet phishing scams. Many scam artists are tailoring  complex schemes specifically targeted to exploit internet users who are older.  Many of the online scams will target seniors with nearly unbelievable deals on  low-cost insurance and discount prescriptions. Scams will also often target  older internet users with documents that seem genuine such as phony ‘bank  notices’ and ‘final warnings’.

Just like in the ‘real world’, you should take care when revealing your date  of birth, social security number or credit card information over the internet.  Search for web addresses on one of the major search engines instead of clicking  links that you receive in e-mails. Then, use that address to contact the company  and inquire about the message you received. Once you have verified that you are  on a legitimate website, you can save that address in your broswer as a  ‘favorite’. You will then be able to return there again safely in the  future.

Senior  home safety begins with making yourself aware of today’s numerous scams. If  you would like to read more articles on how to keep senior citizens safe, please come and visit our  website.

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

Medicare Supplemental Insurance Plans for Senior Citizens by Brant Reed

May 11, 2013 by · Leave a Comment
Filed under: Articles 

For senior citizens, having medical coverage through the federal government’s  Medicare program is literally a lifesaver. Many of these senior citizens would  not be able to afford the basic medical care that they need without Medicare.  This social insurance program allows them to stay healthy and enjoy a longer  life than they might otherwise enjoy without the assistance of Medicare. But as  great as the program is, it’s only designed to cover the basic insurance needs  of our nation’s elderly. That’s why the option of being able to purchase a  Medicare supplemental insurance plan is so key to the health and well-being of  American senior citizens.

A Medicare supplemental insurance plan is designed to cover holes and gaps in  basic Medicare coverage. Since most senior citizens are beginning to deal with  aging-related issues by the time they turn sixty-five years of age and are  eligible for Medicare, most of them need more than just the basic coverage  offered by Medicare. This means that left with only Medicare coverage, most of  these senior citizens will be left with inadequate coverage, which they may not  realize until they suffer a health emergency and realize that they can’t afford  the care that they need.

While Medicare is federally subsidized, Medicare supplemental insurance is  administered by the state governments and is sold by private insurance  companies. If you’re interested in purchasing a Medicare supplemental insurance  plan, first make sure that you understand the Medicare regulations in your  state. You don’t want to settle on a plan only to find that it’s not available  in your state. And be sure to shop around. You won’t get the best price if you  don’t take the time to get at least three price quotes from different companies  to compare and see what deals are available to you.

If the task of researching Medicare supplemental insurance seems too daunting  to tackle on your own, you’re not alone in feeling overwhelmed. That is why so  many quality insurance brokers are able to stay in business. They make it their  aim to understand not only the different Medicare supplements that are available  through different insurance companies, but also to understand the needs of the  senior citizens in their area so that they can recommend the best insurance  products to their clients. With the help of a good agent and a basic  understanding of the Medicare supplement, you’re sure to be able to get the  coverage you need.

Medicare Supplements for you will find and compare the best options for your  Medicare Supplemental Insurance needs.  You can make an  informed decision after perusing the information we provide you.  Did you  know you can cut costs and continue to see your preferred doctors?

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

 

Tips for Staying Safe As a Senior Citizen by Mark Mahaffey

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

When it comes to staying safe, senior citizens have special  concerns.

Although research has shown that the risk of being a victim of a physical  assault crime decreases as you age, the risk of other kinds of crime continues  and even intensifies.

Senior citizens are just as likely as the rest of the population to have  their homes broken into, but they are at higher risk for financial crimes. To  criminals, they appear more vulnerable and defenseless. And since the elderly  are often well-off financially, they are a target for crimes involving money  scams.

Further, the elderly grew up during decades when it was proper to be polite  and trusting. This makes them less likely to be rude during a phone conversation  or face-to-face meeting with a con artist. The con artist will keep pushing, and  the elderly victim may just ‘give in.’

Financial crimes are devastating for anyone, but especially so for senior  citizens. They not only feel afraid, but may begin to question their own ability  to handle their own affairs. For an aging person already trying to hold on to  independence as long as possible, this can be emotionally terrifying.

If you are a senior citizen, or have a loved one who is elderly, there are  some steps you can take to keep yourself or your loved one protected. You don’t  have to wait for crime to happen to you: be proactive and make sure you stay  safe.

Secure your home.

A home alarm system is a great deterrent to would-be burglars. Motion  detectors, automatic lights, and a security system with 24-hour monitoring will  significantly decrease the likelihood of a home invasion.

For even more peace of mind, your monitoring service can respond to medical  emergencies as well. And you may even qualify for a senior citizen discount.

Here is a check list of home safety tips for senior citizens:

• Check the locks on all doors and windows to make sure they are secure.

• Trim tall bushes that are up close to the house to eliminate hiding  places.

• Be sure your house number is painted brightly so emergency help can find  you quickly, should you need them.

• Don’t hide keys under mats or pots. Instead, ask a trusted neighbor to keep  your extra key.

• Don’t keep extra cash in your house. It is better to keep it in the bank or  in a safe deposit box.

• Post security signs around your house to let the burglars know you are  protected.

Be smart about financial scams

Senior citizens are susceptible to con artists at the door or over the phone.  These con artists know that the elderly are interested in products promising  anti-cancer benefits or improved memory. Older adults are also less likely to  report fraud, because they don’t know who to call to report.

Here are some tips to stay safe:

• Never allow any unexpected visitor into your home.

• Install peepholes in your doors.

• Do not give out identifying information over the phone such as social  security numbers and account numbers.

• Do not do business with door-to-door salespeople of any kind.

• Know who your neighbors are and try to join a neighborhood watch for added  security.

• Never click on a link to a financial institution in an email. Instead,  manually type the URL into the address bar.

Stay safe away from home

To reduce the risk of being robbed while away from home, follow these safety  precautions:

• Never carry more cash than you need.

• Don’t carry all your credit cards with you.

• Keep your bag close to your body.

• Avoid walking in deserted or dark areas.

• Lock your car doors while traveling in areas where you will be stopping  frequently.

• Also lock your car doors while you are away from your car.

• Consider installing an alarm system in your car. This may qualify you for a  discount on your auto insurance.

You don’t have to wait for crime to come to you. By being pro-active and  educating yourself, you can outsmart the criminals and keep yourself and those  you love safe.

http://www.bestsecurityproducts.com

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

 

Senior Citizen Travel Insurance: What You Need To Know by Jane Conway

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

Finding travel insurance can be difficult for anyone, but if you are over a  certain age, then you may discover that getting the coverage you need is even  more challenging. This article covers the basics of why finding senior citizen  travel insurance can be more difficult, and what specifics you need to look for  in your plan.

In the world of insurance, money talks. Money, and statistics. And according  to statistics, senior citizens are more likely to make insurance claims than are  younger travelers. This results in less money made and more money paid out by  the insurance companies. The result? They are reluctant to offer insurance plans  to travelers over a certain age. While some insurers cap their age limits at 65,  others may go as high as 70, 75, or even 80. Still, over a certain age, you’ll  be unable to get travel insurance with many agencies, no matter how good your  current health is. Other companies may offer coverage, but at higher costs, and  with fewer benefits.

Not only is travel insurance for seniors more difficult to find, there are  also a lot of needs and issues that you may need to think about in an insurance  plan. For example, older travelers are more likely to have preexisting  conditions that need covered. Many older travelers will also be bringing medical  equipment or medications with them. Things such as walkers, wheelchairs, or  prescription drugs, can be easily lost or stolen, and they can be difficult and  expensive to replace while you are traveling. A good senior citizen travel  insurance plan will have coverage for these things. Another thing to think about  as you are looking for your travel insurance plan is to look out for reduced  benefits. As mentioned above, it is not uncommon for insurers to offer higher  costs and less coverage to seniors. Make sure that you know the exact details of  the plan that you are purchasing,

If you are having trouble finding insurance through regular insurers, then  you may want to consider looking into specialty plans. There are a number of  companies out there that specialize in travel insurance for senior citizens. Not  only do they have no upper age limit, they also give you specific coverage that  is tailored to your needs as an older traveler. With these plans, it is much  easier and hassle-free to get coverage for your preexisting conditions or for  medical equipment. Many people also find that they have some insurance cover  through retirement organizations that they belong to. Check to find out what  coverage you already have.

The most important thing is to make sure that you have coverage when you  travel. You never know what medical problems, injuries, or disasters may happen,  and the last thing that you want is to spend your precious retirement years  burdened with financial debt.

Check out these resources if you need more information about senior citizen travel insurance, or age concern travel insurance.

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

 

Senior Citizens Assisted Living Options by Sean Lightfoot

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

A recent study on seniors has shown that independent senior citizens assisted  living is the #1 choice for them versus living with a loved one. Most people  feel that living with others would cause them to be a burden on them. As an  individual grows older, they begin to need the assistance of others more and  more.

Unlike a decade ago, seniors have become a part of the information age by  learning about computers and the latest gadgets. Due to this fact, there has be  a flux of new state-of-the-art senior facilities catering to computer savvy  seniors.

Many of the senior citizens that have just retired from jobs that required  them to work with computers prefer to continue to be around computers as they  have become accustomed. Senior citizens assisted living facilities that make a  point to stay up to date, helps those seniors feel right at home.

In recent years senior facilities have began to offer many different options  and services to their residents. So much so that these facilities are now  categorized into 3 major groups.

Nursing Homes – For those that are incapacitated and/or require supervised or  administered medicines. These facilities have full-time medical staff on hand in  case of emergencies.

Assisted Living – This type of facility caters to those that need assistance  with their daily routines such as cleaning, shopping, laundry and cooking.

Independent Living – Independent living is good for those that can live  totally independent and is still able to cook and clean. Some seniors start out  by moving to one of these facilities and relocate as their needs change later  on. The units are usually fully furnished apartments with full kitchens.

There are many more options available to seniors so it is highly advised that  one turns to a professional advisor to assist in seeking the facility and  services that are needed. There are professionals that offer these services free  of charge. They give you a list of facilities that can cater to your needs and  help with visiting and checking out each of them. They usually make money from  your insurance company of the facility that is chosen.

If you need help with researching Senior Citizen Assisted Living  [http://www.elderlyhelpandhomes.com/], visit www.elderlyhelpandhomes.com  [http://www.elderlyhelpandhomes.com/]. Learn about a FREE program that assists  in finding the services that you or your loved one may needs.

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

 

Tips For Senior Citizen Travelers by Gerry Restrivera

April 23, 2013 by · Leave a Comment
Filed under: Articles 

Traveling is one thing that even older people can enjoy. Whether you are a  seasoned traveller or someone who is just beginning to enjoy traveling, these  travel advice can help you plan a safe and enjoyable trip. Here are some helpful  tips for senior citizen travelers:

Prepare your documents as early as possible. Passport is the most important  document and you can apply in person, through passport agencies and by mail.  When you receive your passport, be sure to fill in the information page so that  your family and friends can be notified in case of accident or emergency. Most  countries requires visa, so after acquiring a valid passport, you also need a  valid visa. These documents need time for processing and for senior citizen  travelers, it is best to apply 2-3 months before your trip to avoid stress and  rushing that could be bad for you.

Do not bring more than you need. Bring only the things that you need because  it will be so tiring to carry heavy suitcases. Senior citizen travelers, should  not burden themselves with too much luggage.  Wash and wear clothing is a  good idea so that you will not bring too many clothes.  Avoid bringing  valuable things like jewelries and dress simply to avoid being a target of  thieves. Bring only reasonable cash with you. Bring your additional budget in  the form of traveler’s check, credit card and ATM card.

Senior citizen travelers should check their health condition with their  doctor before traveling. Find out if you need immunization before traveling to  protect you from serious diseases abroad. If you are under medications, it is  important to bring enough supply to maintain your health. Bring your medicines  in its original packages or bottles and bring your doctor’s prescription to  avoid narcotics issues in foreign countries or airports. Review your insurance  policy and check if it covers your medical expenses abroad, if not it is best to  buy a policy that covers your travel medical expenses.

Read and get information about the country you want to visit. It is best for  senior citizen travelers to know the current situation of their destination in  terms of security, weather, culture, people, laws and other important things  about your destination.  You can protect your health, security and enjoy  more on your trip if you know more about your destination.

Don’t stress yourself. Senior citizen travelers should not subject themselves  to stressful situations. Even if this is the travel you’ve been waiting all your  life, it is not wise to stress yourself and fill in all your time with a lot of  activities. Take time to relax, you will not enjoy if you are too  tired.

Look for best deals to get the best out of your travel. Traveling could be  really expensive if you do not know where to find the best deals. There are a  lot of perks available especially for senior citizen travelers. Getting  discounts on your accommodation and airfare will give you more opportunity to  enjoy your trip. Find out how to get cheap airfare visit Your World Travel Guide  [http://www.yourworldtravelguide.com/]

To travel on a budget visit Travel Secrets

Gerry Restrivera writes informative articles on various subjects including  Tips for Senior Citizen Travelers. You are allowed to publish this article in  its entirety provided that author’s name, bio and website links must remain  intact and included with every reproduction.

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

 

Senior Citizen Travel Insurance Cover by Kirthy Shetty

April 18, 2013 by · Leave a Comment
Filed under: Articles 

Seniors looking out travel abroad, relax, online travel options have  specially designed travel packages for elderly citizens combined with insurance  package to safeguard you from any unforeseen occurrence. This is useful for  retired persons with holiday homes abroad for example spending the winter in  Europe or Spain, covers all senior citizens up to the age of 99.

Online senior citizen travel insurance is tailored to your unique  circumstances so you only pay for the travel insurance that you need. Such  travel insurance for senior citizens will have the following features and  benefits. Some of the travel agents will find you travel insurance which  combines great value cover with high level.

o Sports and activities option if you require it

o £10 million medical protection as standard.

o £3,000 cancellation cover.

o £25,000 personal accident and legal expenses cover

How does Senior Citizen Travel Insurance help us?

You are protected against any cancellation fine, lost or delayed luggage,  cash and passports plus emergency dental treatment and £10 million medical  cover. This means you can enjoy your holiday safe in the knowledge that you are  fully covered in case anything goes wrong. Not only that, you also have an  option of choosing from a wide array of sports activities.

Choose the place you want to travel, and travel insurance agent can provide  you sound advice with the most flexible packages for you. If you prefer to  choose a multi-pack travel insurance you have the advantage of getting covered  for several trips in a year or if it’s a single trip, then you can opt for  single trip senior citizen travel insurance. The choice is yours and the travel  insurance providers are at your disposal.

Your travel insurance policy can be split into three Areas Europe,  Australia/New Zealand and Worldwide. It’s advisable to cross check with your  provider as some of them do cover pre-existing medical conditions with an  additional cost. However, there are some policies which may not provide cover in  respect of any pre-existing medical condition that you are aware of at the time  of arranging the insurance.

You’re not sure who to speak to or where to go without paying a small fortune  for cover.  Find discount senior citizen packages for yourself.  Uncover all the  best deals and cheap travel insurance for senior citizens. But, just don’t  settle down with the lowest insurance cover you bump into, as it need not be the  right cover or best Senior citizen travel insurance cover for you. So, study  online and find the most reliable one or reach out to experts.

Kirthy Shetty, expert author of travel domains, Platinum status Find  experts on travel insurance: Gap Year Travel Insurance

Your family travel insurance: Group Travel Insurance

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

 

Auto Insurance And the Senior Citizen by Hema Patel

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

The issue of rising premiums on auto insurance is a real concern to many  people. This is particularly true for senior citizens who are striving to live  within their means during this stage of their life. Auto insurance rates for  senior citizens is, of course, much cheaper than it would be for a young driver.  Getting this lower premium on their auto insurance has a lot to do with their  many years of driving along with their good driving history. Some seniors have  found that it is difficult for them to rely on public transportation and this  has many seniors driving around regardless of their age.

Having auto insurance is mandatory for both senior and young drivers alike.  There may be a notion that once a person becomes a senior citizen that their  insurance premiums will go up. Senior citizens actually tend to have the  advantage on premiums as compared to the younger driver. Older drivers are  actually more careful with their vehicle and less likely to be involved in  accidents. This is a proven statistic that gives them the upper hand on lower  premiums. Senior citizens that apply for auto insurance will find that their  rates will be lower if they can show a clean driving history.

Individuals that are past the age of 50 are usually included in this category  of lower premiums. Life insurance premiums will increase as you get older  however the cost of car insurance will go down. Insurance companies use many  factors that will determine the best deal for a senior citizen as each of their  needs can be different. Taking the time to shop around for the best deal and  contacting several different companies is still the best way to get the best  bargain

In this growing internet age many computer savvy senior citizens scour the  web to get their auto insurance needs met. Many seniors opt for this type of  information gathering much more than having to drive from one company to  another. Auto Insurance providers know this fact and have designed their online  presence to provide accurate rates and more importantly to present relevant  reviews on their products posted by current customers. Having all of this type  of information available on their site is a favorable option for many senior  citizens who can get what they need without going door to door.

No matter what your age is, make sure you still ask questions of your  prospective insurance company and ensure that they give you the appropriate  answers and or explanations. However if you are a senior and you need insurance  on your car, truck or other type of vehicle, you can find affordable and  dependable coverage and at lower rates. You have driven for years and you have  the age and good driving record to prove it, so do your research and you will  find the right insurance company that is looking to reward you for it.

Find out more information for your auto insurance needs at  www.auto-insurance-blog.com [http://www.auto-insurance-blog.com].

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

 

Why Do Senior Citizens Need Travel Insurance? by Troy Benning

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

There are a lot of senior citizens that love to travel and see the world, but  they don’t know how much they need to be covered while their in the air. Senior  travel insurance is really perfect for seniors who love to always travel, as  they will be protected at all times. They will be fully protected while they are  overseas. If they are in need of medical assistance or simply any kind of  assistance, their travel insurance will be there for them to solve the problem.  So basically, they don’t have to worry about anything when they’re on a  vacation. This is a very important coverage that every senior that loves to  travel needs. If you are a senior citizen that loves to travel, you have to make  sure that you are safe if ever an incident occurs.

  • What is senior travel insurance?

 

Senior travel insurance is a type of insurance coverage that will protect the  senior citizen if any incidents occur while they are overseas. The great thing  about this coverage is that you can have a peace of mind to know that no matter  what happens to you, their will be someone to help you. If you need help to find  your lost luggage, or missing travel documents, there will be special assistance  available for you anywhere around the world.

  • Why do senior citizens need travel insurance?

 

Seniors don’t have an idea of what can happen to them while they are  traveling. If you go to a foreign country, you can accidentally eat or drink  something that your body system cannot manage. If something like this does  occur, your senior travel Insurance will cover and take care of you so that you  can continue your vacation.

  • How much is the coverage for senior travel insurance?

 

The premium is based on the actual age of the senior, health status, and the  area they live in. There are rules and  restrictions, but your insurance agent  will be glad to explain to you what they are so you can avoid any delays. They  can do other different types of coverage that will be perfect for you so that  you will be able to find a coverage that meets your budget.

There are many insurance companies that may offer this type of coverage  online. However, you must make sure that you are dealing with the right company  that will provide you a coverage that is actually needed. Try not to deal with  anyone who isn’t licensed or registered with the Department of Insurance, as  they may not provide any coverage for you if you are actually in need of help.  These people only want to collect your monthly premium and will not give any  service whatsoever. Don’t let these con artists take your money, as they are  very manipulative. It is advisable to contact your nearest Department of  Insurance for more information about unlicensed solicitors. This will give you  an idea of what you should do to avoid getting ripped off.

To learn more about senior citizen travel insurance and travel insurance comparison, visit  TravelInsuranceFacts.net.

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

  • 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!