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Life Extension: The Modern Anti-Aging Movement – Are We Standing at the Threshold of Immortality?

July 17, 2016 by · Comments Off on Life Extension: The Modern Anti-Aging Movement – Are We Standing at the Threshold of Immortality?
Filed under: General 

Why is skincare the focus of longevity research? I guess a cell is a cell, and if you can crack the code for one human cell, it is only a matter of time to solving the puzzle with different types of cell – and skin is without doubt the most visible cells each of us have. And it’s our faces in particular we often judge ourselves and others by, and we are in turn quickly scrutinized, and often opinions reached in a fraction of a second. Our faces often show the most visible signs of aging, and for many in modern society age is by nature “bad” and young or looking young is the ideal. That is why billions and billions of dollars each year are poured by consumers into all sorts of treatments to minimize wrinkles, to push back the effects of gravity, and to turn back the hands of time. And with that much money to be spent by consumers, there are many manufacturers eager to find the next step in arresting Father Time – and at least detaining him until the next stagecoach arrives, where hopefully he can be encouraged to move on before too much damage can be done.

The Entire Issue Explained – In A Pair of Shoelaces

Some time ago a friend gave me a simple analogy that puts this entire issue in perspective. The science may not win a Nobel Prize, but it gave me the necessary ah-ha moment.

The double helix of the DNA strand – our most basic foundation for life – is held together at each end by things that act in the same way as the hard plastic bits on the end of shoelaces do – preventing the DNA from unraveling, and the individual chromosomes scattering across the floor like dropping a string of pearls down a marble staircase. These things are called telomeres.

Somewhere programmed into these tiny telomeres is the entire basis to how long the DNA stays intact – and by inference these are the keys to the length of life of the organism. Somewhere written into the telomere is a great musical score but like all musical scores it has a double bar somewhere to signify the end; but is it to be a minuet or a Wagnerian epic? But sure enough, when the time comes, and the telomeres blow the full time whistle, the DNA strand will unravel and die – and the circle of life begins again. Telomeres govern how often our skin cells are replaced; why a puppy and a child born on the same date may age exactly the same chronologically, but the puppy has become a geriatric before the child reaches puberty.

Telomeres, my friend explained, occasionally go on the fritz (that must have a very specific scientific meaning). One of the ways this occurs is they may forget their programming to release and unravel, and they just hang on, allowing the cells thus affected to multiply again and again without dying. In fact, when this occurs often they become very difficult to kill and to all intents and purposes once the telomeres act in this way, the cell – and those it propagates – are effectively immortal.

This condition has a name which we all know. Cancer.

But, what if we were able in some way to persuade the telomeres within a cancer to behave normally – would that not be the “magic bullet” cure for cancer? And the other side to that equation – if the telomeres in healthy cells could be persuaded to act as they do in a cancer – then is this the recipe for a healthy cell that does not die? Does the cure for cancer and immortality hang on just this one thread?

Whatever your views may be, the reality is that some of the world’s finest research scientists are working on that exact question and some would say it is only a matter of a decade or two before this is neither conjecture nor science fiction, but a reality to face up to. The changes that would take place in society even if life expectancy were to take a leap forward by say 10 or 20 years are enormous, but we should all be thinking that this is a distinct possibility.

From the dab of lanoline a generation ago to what I know hold in my hand as an anti aging skincare treatment is more than just a revolution – and I have no doubt in a few years I will be saying this cream will not just slow the aging process and reduce the visible signs of aging, making your face appear younger – but it will actually be younger.

But before that, let’s look back at how this whole engagement with life extension and anti-aging started. Mankind has always striven for longevity and mused about immortality – but the past 50 years has seen some dramatic steps in reality toward this goal.

Genesis

The thought of extending life has been on the mind of mankind for millennia. References to the search for ways to prolong life can be found as far back as the Epic of Gilgamesh.

Gilgamesh was reputedly the fifth king of the kingdom of Uruk, the modern-day Iraq, around 2500 BC. According to the Sumerian list of kings, he reigned for 126 years. The Torah or Old Testament records Methuselah as living over 900 years, with life spans measured in centuries apparently commonplace before the time of Noah.

Throughout the development of scientific thought from the Reformation onwards, scholars have applied themselves to solving this riddle and these endeavors continue today at the very leading edge of scientific progress.

Unraveling Secrets

As the secrets of our existence are unraveled in ever more minute detail, we are beginning to understand what it is that makes us grow from tiny babies into adults. We now know, for example, that cell functions slow down as the body ages and that production of certain substances required by the body to regenerate decrease or cease completely.

Skin, for instance, needs two substances to retain strength and firmness.
The production of these substances namely collagen (strength, tightness) and elastin (flexibility) decreases with age. The decreases in production together with other factors that include the threat of free radicals make the skin age and become wrinkly. Free radicals are essentially incomplete oxygen molecules causing destructive chain reactions within cells.

The same kind of thing happens in every cell, every tissue and organ around the human body. For example, people develop frown lines, crow’s feet and wrinkles. Nutrients are no longer absorbed easily and vital cell functions, hormones and other substances are produced at decreased rates resulting in the body aging.

A Brief History of the Life Extension Movement

Science has been looking for ways to slow down this process for centuries. The forming of life extension movements, however, did not really begin until around 1970.

➢ In this year, Denham Harman, the originator of the so-called ‘free radical theory of aging’, decided that an organization dedicated to the research and information sharing between scientists working in biogerontology (the field of science concerned with the biological aspects involved in the aging process) was needed. As a result, the American Aging Association was formed.

➢ In 1976, two futurists, Philip Gordon and Joel Kurtzman wrote a book on the research into extending the human lifespan. This popular volume was titled ‘No More Dying. The Conquest Of Aging And The Extension Of Human Life’.

➢ Kurtzman was then invited to speak at Florida’s House Select Committee (HSC) of Aging, which was chaired by Claude Pepper, an American politician and spokesman for the elderly. The aim of this talk was to discuss the impact on Social Security by life extension.

➢ In 1980, Saul Kent, a prominent activist in the field of life extension, published the book ‘The Life Extension Revolution’ and founded the nutraceutical (from ‘nutrition’ and ‘pharmaceutical’, in other words, a nutrition supplement) firm known as ‘The Life Extension Foundation’.

This foundation is a non-profit making organization promoting dietary supplements and publishing the periodical ‘Life Extension Magazine’. Kent was later involved in work relating to cryogenics. He was jailed in the course of this work over a dispute at one point, although charges were dropped at a later stage.

➢ In 1982, American health writer and life extension advocate Sandy Shaw and her co-writer, Durk Pearson, popularized the term ‘life extension’ even further with the bestseller ‘Life Extension: A Practical Scientific Approach’.

➢ Roy Walford, a gerontologist and life-extensionist, published ‘Maximum Lifespan’, another popular book on the subject. He and Richard Weindruch, his student, followed this up in 1988 with their summary on the research they had conducted into the ability to prolong the life of rodents through calorie restriction. The title of this book is ‘The Retardation of Aging and Disease by Dietary Restriction’.

Although this ability to extend life with calorie restriction had been known since the 1930’s, when gerontologist, biochemist and nutritionist Clive McCay did some research into the subject, it was the work of Walford and Weinbruch that gave solid scientific grounding to the McCay’s findings.

Walford’s scientific work was driven by a personal interest in life extension. He practiced calorie restriction as part of his own life and eventually died at the age of 80. The cause of his death was amyotrophic lateral sclerosis, a progressive motor neuron disease.

➢ A4M, the ‘American Academy of Anti-Aging Medicine’ was founded in 1992 to create a medical specialty for anti aging that was distinctly separate from geriatrics. This allowed scientists and physicians interested in this particular field of science to hold conferences and discuss the latest developments.

➢ The sci.life-extension, a Usenet group, was created by California-born author, philosopher and translator Brian M. Delaney. This represented an important development within the movement of life extension. It made it possible, for example, for the CR (Calorie Restriction) Society to be created.

➢ A more recent development is the proposal of Dr A. de Grey, a biogerontologist at Cambridge University. This proposal suggested that damage to cells, macromolecules, organs and tissues can be repaired with the help of advanced biotechnology. This is evident in hair restoration products, for instance.

More than Books

Although it would appear that most of the work revolving around life extension has been done solely by writing books or founding societies or organizations of some kind or another, the reality is that these books were written in response to or based on very specific, detailed scientific research that have yielded positive results.

They are no longer the works of hopeful minds, but the works of dedicated scientists who have spent their lives working on discovering facts about aging and trying to find ways to slow down, or even reverse the process.

Many breakthroughs have been made, and in many ways, we are already able to extend lives to a certain extent. The average lifespan of a human being is already far greater than it used to be as a result of medical, pharmaceutical and nutritional advances brought about by research and development.

The work continues, and scientists around the world are continually conducting research, comparing results, discussing options and making advances on our behalf.

Driving Forces behind the Development of the Life Extension Movement

What factors are driving this movement into ever greater efforts to find solutions to the extension of Life? The answer to this question actually includes a whole range of factors.

Expectations Have Risen

As the ‘baby boomer’ generation (born between 1946-1964) enters retirement age, expectations of this group are dramatically different from those of the preceding generations. They have greater expectations and desires to enjoy their life as pensioners to the fullest and for as long as is possible. This expectation covers not only length of life, but quality of life as well and this is not a passive request but an active and strident demand in many cases.

Pharmacology

Progress in pharmacology has led to a wide selection of drugs that allow people to live longer and fuller lives being developed over the last two decades or so. The work is still very much in progress and many more drugs are being developed daily.

One of the classic examples of a drug raising the quality of life for older individuals are erectile dysfunction treatments – notably Viagra, Cialis and Levitra. These drugs have dramatically reduced the number of fatalities or serious injury resulting from elderly men rolling out of bed, as well as a number of more qualitative benefits.

Advances in Genetics

Some of the latest scientific research and subsequent advances made in biotechnology and genetics are providing some hope that it may be possible to hold back some of the fundamental causes of aging.

As we outlined previously, chromosomes containing DNA strings are essentially capped with a binding substance known as telomeres. In effect, the telomeres are consumed during cell division and over time, they become shorter and shorter.

This was first observed by a scientist called Leonard Hayflick, and the process of limited cell division was subsequently named the Hayflick Limit. Advocates of life extension work on the thought that lengthening the telomeres through drugs or gene therapy may ultimately extend the Hayflick Limit and thereby fool the cells, and as such the body, into ‘thinking’ it is younger than it actually is.

Developments in Precision Manufacture

Advances made in the fields of nanotechnology, miniaturization, computer chips and robotics also provide hope for potentially life extending solutions.

In the 1970’s, a popular TV series starred Lee Majors as the ‘Six Million Dollar Man’? Science fiction then. Today, it is science fact. Millions of people now walk through life with artificial ankle, knee and hip joints and healthy feet. A generation ago, mass production of this kind of technology was a distant dream.

The same applies to many individuals with artificial limbs. Artificial legs used to be crude wooden contraptions that were just able to keep a person balanced. Today’s artificial limbs are almost fully functional.

The Blessings of Medical Progress

Who would have thought even 50 years ago that it would become possible to bypass a coronary artery, or even replace a heart completely? Yet there are hundreds of thousands, if not millions of individuals enjoying their lives after having this kind of surgery – few of whom would be alive just half a century ago.

Millions of people no longer have to wear glasses, because of the availability of laser surgery. This, too, was science fiction just a few years ago. Today, it is advertised next to shampoo in magazines and on TV.

In other words, science is moving rapidly towards not only extending life, but making the quality of these extra years better as well.

Is it Science, Science Fiction or Lunacy?

What should the average person believe? This question is almost as difficult to answer as finding solutions to extended life. Even among scientists, opinions are divided. Some do believe that extending the quality of life is as possible as extending life in general.

Others brush off the thought as un-scientific nonsense. This is often simply based on the fear of anything ‘new’ disturbing the status quo of established limits. Fortunately, real scientists do keep on looking, because if every single scientist had decided that some of the advancements already in medical, pharmaceutical and technological fields could not be possible, we would all still be dying at 30.

So where does that leave us?

There is no doubt what-so-ever that there are many charlatans out there trying to make a quick buck out of people’s desire to retain their youth. Even today, many products being sold in their millions are essentially non-effective – often given fantastic names and have the most bewildering ingredients to make them look scientific to consumers and justify their cost.

But the facts are while many advancements are being made and research points to the possibility of eventually finding the key to maintaining youth for longer, the scientific community is still warning the public that many of the products being sold today are unreliable to say the least.

➢ Although food supplements may assist in keeping a body healthier – something that can often be achieved by simply adopting a healthier life style and diet – there is as yet no categorical and undeniable proof that they slow down aging as such.

➢ The same goes for many hormone treatments. Although they may have a short term effect of some kind, it is not yet scientifically proven that they will actually work in the long run. The fear that it may not work is based on the fact that taking hormones, a good example is the hormonal acne treatment, will ultimately actually slow down the body’s own production of these hormones.

In addition, many treatments may have potential (and yet unknown) side effects in the long run that could be harmful to the user’s health. This includes the fears that such hormone treatments could increase the risk of cancer, diabetes and other major illnesses.

➢ Other ideas, like the calorie restriction method, are working for rodents. In fact, studies conducted with rats on 30 to 50 per cent restricted diets have shown to almost double the life span of rats.

Similar studies conducted on primates have also shown tendency to extend life to a certain extent and prevent a list of age related illnesses. There are as yet no studies on humans, although some are actually living on calorie restricted diets. Whether this will prolong their lives, however, is a question of having to wait and see.

The theory is that by reducing calorie intake, the metabolism of the body is slowed down, thereby slowing the aging process as well. Nutritionists say there is a certain amount of calories a body of a certain size and weight needs to have to maintain health. Reducing this amount by up to 50 per cent is hardly a good idea in the long term.

Time will tell, as they say, but how will anyone be able to tell the difference? If a person lives to the age of 80, is this because they are on this diet or would they have lived to this age anyway?

Where Will This Lead?

Many believe there is realistic hope and expectation of making significant strides in the area of longevity within the next two decades. This group typically believes the answer will ultimately lie within genetics and biotechnology. It is too early to make definite predictions, but the research so far shows promise and, as mentioned earlier, some of the results of this research are already being used in certain treatments to improve patients’ lives.

At present, overall aging is difficult to slow down, to say the least. Some products indicate they will assist in maintaining overall health/longevity, but the area we are seeing the first commercial products being developed is in the area of skin care and given the size of this market, it is likely that this will continue to be the weather-vane of longevity treatments.

Science or Snake Oil?

It will be difficult to tell these two apart for many years. Charlatans are likely to about, because it is difficult to disprove many theories easily. Equally difficult will be positive proof from those with an ethical perspective on the trail of a real breakthrough, as products based on valid research and using technology or ingredients that will actually have an effect rarely promise overnight results. This is something that anyone looking to find improved youthful looks, etc, will have to bear in mind. None of these products can perform miracles. Even the best of them will take time and regular use in order to achieve the desired effect.

The bottom line is that where we stand now, we can be sure there are some things which are ineffective or even harmful; there are some that show some promise and there are some that are starting to cross the line of being able to demonstrate results – albeit modestly at this point.

In the meantime, it is wise to research products very carefully and to refuse to be baffled by weird and wonderful sounding ingredients or fantastic sounding promises of instant youth. Regeneration will take time – let’s face it, it has taken a lifetime to get to this point, turning back the clock can never be possible over night.

Skin Care and the Life Extension Movement

One may well ask just what all this, and in particular the life extension movement as such, could possibly have to do with skin care, health and beauty products. The fact is, much of the research into life extension is resulting in new approaches to skin care as a kind of by-product.

A greater understanding of how genetics and cellular processes affect the aging and condition of skin allows these research and development teams to investigate different compounds, their compatibility with human cells and genetic make up.

Many compounds found in nature are not just compatible to human skin but in fact the skin cells actually have natural receptors for these compounds. Because life extension research has discovered these receptors, skin care developers can now use this knowledge and create the formulae for their products to provide maximum effect.

Another skin care ‘by-product’ of life extension research is the use of nanotechnology. The use of nanotechnology, or, to be more precise, nanoparticles, has had a huge impact on the way nutrients and other components of skin care products are being delivered to the skin cells. In some ways, nanotechnology has already revolutionized skin care. It is now possible to use active ingredients previously difficult to effectively deliver to the skin, as well as making old, proven ingredients even more effective. Some ingredients used in cosmetics for hundreds, if not thousands of years by certain cultures can now be even more effectively used to improve skin condition and maintain a healthy, youthful look.

Even the moisturizing effect of skin care products can be improved with nantechnology. For this effect, so-called nanosomes are used. Nanosomes are small, pocket-like particles that melt or disintegrate on skin contact. By doing this, the moisturising effect is accelerated, assisting the skin faster and more efficiently.

Nanotechnology plays a key part not only in slowing the aging of skin, but is believed to actively assist in repairing and healing skin cells and tissue.

Another breakthrough in life extension research that is beginning to make itself felt in skin care products is the research into stem cells. Stem cells are elements of all life, plant, animal and human. Stem cells have two properties other cells do not have. These properties are the ability to develop into any kind of cell type and the ability to divide almost indefinitely. The use of plant stem cell extracts in skin care is likely to become one of the next ‘big things’ in the industry. And prepare for the debate when human stem cells are proposed as part of an anti-aging skincare regime, as will inevitably occur!

One thing we can be certain of, is that science will continue to search for answers to the question of life extension, and business will drive the commercialization of discoveries. But whether these lead us to a utopian future or potentially a minefield of strife as we debate who will use and who will benefit from these new godlike powers. In the meantime, at a practical level in the skincare, health and beauty industry we remain hopeful and expectant we will see the emergence of products that not only promise results, but produce them.

David Christensen is a veteran of Asia Pacific business, currently residing in Bangkok, Thailand and heading up the business he was a co-founder of, Royal Siam Natural Health & Beauty – who can be located at [http://www.royalsiam.asia], and the information supporting site at [http://www.royalsiam.info]. Royal Siam was established after careful planning in early 2011, spending 2011 concentrating on building the necessary business infrastructure and concentrating on the domestic Thai market. Early in 2012 Royal Siam launched its international website and online store, and in April 2012 publicly declared the ambition to be among the world’s top 20 premium health and beauty brands by the year 2020. Royal Siam is a unique business, operating in the premium skincare, anti aging, and related fields. At its core, one mission is to commercialize and bring to a global market the immense wealth of knowledge about the healing and beneficial properties of Thai and South East Asian plants – a knowledge base carefully built up over the last thousand years. At the same time, the mission is to bring to market the very latest in scientific advances in the area of anti aging… resulting in the unique position of having a Thai heritage and offering the best of nature, tradition, and science.

Article Source: http://EzineArticles.com/expert/David_D_Christensen/1317312

How Old Are You Really? Biological Age

May 29, 2016 by · Comments Off on How Old Are You Really? Biological Age
Filed under: General 

People have always been interested in being “forever young” and today’s society is no different. We want to resist the ageing process.

The speed at which we are ageing can be measured – its called biological age, or how old your body really is.

The area of study which is now called longevity, and was once called anti aging, is hugely popular in the states.

It’s something I’m very interested in, and see it as a big part of the future for myself and my clients.

Your chronological age is how old you actually are.

Biological age is the age of your body at the cellular level.

Today we will look into how you can establish, what your biological age is and how you can improve it.

There are a few longevity factors in the list which surprised me!

(Deep question alert!)

What is the purpose of life? I don’t mean any deep seated stuff, like procreation.

I just mean, what is most people’s AIM in life. What do they want to get out of their time on earth?

Firstly and most importantly, people want to be happy. Easier said than done.

Happiness is a state of mind. It’s a feeling.

Ask someone with a big goal (like building a successful business or losing more than three stone).

“What will reaching your goal do for you?”

Often they will say something like “When I get there I will feel happy”, or “satisfied with myself”, or they say “I will feel proud”.

“I will have more energy”.

“I won’t be afraid of trying new clothes on or going out with friends”.

“I don’t want to feel like a slave to food”

“I don’t want to be scared to look in the mirror or get on the scales”.

Life is all about feelings.

People spend their entire lives in search of feelings! (mostly happiness, contentment, satisfaction and love)

How people actually reach this state of “happiness” is different for us all.

Most people I know AIM for a decent job (or business) with decent money.

All with the ultimate goal of having a good retirement.

I hear people say “When I finish work, I’m going to do this or I’m going to… (insert goal)”.

The point here being, if being happy and having a nice retirement is people’s main goal in life, then keeping your body fit and healthy surely must be part of your plan.

I know of a very wealthy man who got cancer and passed away just before his retirement, I’m sure that was not part of the master plan, he had built his business up so he could sell it and have a nice retirement (as most business people do).

He didn’t make it and didn’t get to “cash out”.

Many people don’t make it to retirement because their “plan” is messed up from the start.

Without sounding depressing we only get one shot remember.

This is NOT a rehearsal.

A lot of people get to retirement age and their body is wrecked!

This stops them from being able to enjoy their time off as much. Living life with lots of restrictions. “I can’t go there because of the steep hill”, or “I can’t do that because of my back or my knees”.

After working hard for 40-50 years – to give yourself a good pension and retirement, this is the last thing that anyone wants.

Peoples bodies are like cars.

On one hand you have new cars with high mileage that are not well serviced.

On the other hand you have old cars with low mileage that have been well looked after.

I want YOU to be like a well looked after old car, with low mileage when you get to your retirement.

I know some people, that slog away and get to the age of 40, and feel and look like they’re 50 or 60!

I also know many people who hit retirement age and feel like a 40 year old, and can keep on working and exercising for another 20 years!

This is all dependent on how we live our lives, obviously there are things such as injuries, diseases and other bad things which can impact our lives negatively through no fault of our own but on the whole we are in control of our own health.

What affects our longevity?

Scientists agree that these factors all affect your longevity in some way, big or small. (this is not a definitive list)

Muscle size and strength
Level of education
How pro active you are with going to see the doctor if needed
The amount of friends you can rely on, and love in your life
Your diet
Blood pressure
Your upper body strength
If you enjoy your work or not
Weather you smoke/drink alcohol or not, and the amount
If you exercise or not

Most of us shorten our lives and ultimately kill ourselves, through our bad habits and lifestyle choices, whatever they may be.

As you would of guessed, it is possible to slow down the onset of ageing and even reverse it to some extent.

I must say, that there is nothing wrong with ageing, it is inevitable. It is something we should be proud of, a chance to show our wisdom to the younger generation.

This article is just to show you how you can SLOW the ageing process with ease and actually enjoy it.

The Ageing Process

As we get older our bodies start to slow down and stop being able to function as well, sadly there is no getting away from this.

BUT through healthy living and making the right choices day in day out we can delay our body slowing down by years!

Just think how much more you will be able to enjoy your retirement if you feel like a 40 year old? and can spend it with the people you love.

Compare this to how much you will enjoy it if you can barely walk up a flight of stairs without having tired legs and being short of breath.

Your chronological age doesn’t have to be the same, or worse, than your physiological age.

How to slow the effects of ageing

The list above obviously helps you but here are a few more ideas for you to beat the clock.

When some people think anti aging, I’m sure some of you may think of things like anti wrinkle creams and lotions, hair dying products, botox and maybe even plastic surgery.

That does kind of sum up some of the western world that these are the steps that the majority of people (plastic surgery being an extreme example) will take to make them look younger, rather than eating healthily and exercising.

Aging leads to loss of muscle mass, loss of mental function, low mobility and a lack of energy, and as you know the cosmetic type anti aging steps I mentioned won’t help any of these.

Top tips to delay ageing naturally:

Enjoy the Outdoors – Don’t spend all of your time cooped up indoors behind the computer or watching TV. There are plenty of things to do and see outside, especially on a nice day I can’t think of anything better than going for a walk with the family down the park or beach. Sunlight also is a natural source of Vitamin D.

Yoga & Meditation – I would say that this is one of the most important strategies in staying young. I started to do this myself and it honestly makes me feel great. Yoga and meditation can help you relax and lower your stress levels (linked with aging) dramatically. It can also help you to see things a lot clearer.

Yoga is also great for your flexibility, the more flexible and supple you are the less chance you have in the future of suffering falls and lack of mobility.

Socialise – Loneliness can be a real killer. Socialise as much as possible with your friends and family. Get out there and do things, go to the cinema, concerts, attend an evening class (the more mentally stimulating the better).

Stay Strong & Active – You have to keep moving or your body will come to a standstill. Taking part in regular exercise is absolutely vital. Regular strength training is extremely important.

Losing muscle mass is something you want to avoid or at least delay for as long as possible so strength training will help this as well as keeping your bones strong, this will lower your chances of osteoporosis.

Nutrition

I believe food is medicine, many of the effects you get from modern day medicine you can get from eating the right foods.

Nutrition influences biochemistry. Biochemistry influences everything at a cellular level.

If you eat well there should be no need for some medications.

If you spend your whole life eating fresh, natural whole foods and stay active then it will also show. You will most likely be lean, mobile, disease free and full of energy, a rarity these days.

You should aim to eat a diet containing lots of quality fats and protein’s (the bodies building materials) which will help you to maintain your muscle stores. Also protein boosts the production of HGH in your body, HGH (Human growth Hormone) is your body’s natural ‘fountain of youth’.

As you age the production of this hormone slows down greatly, regular strength exercise (lifting, pushing and pulling heavy stuff) and quality protein keeps the production of this hormone going!

Eat plenty of antioxidant rich foods – Antioxidants which are found in colourful fruit and vegetables help to reduce the damage caused by free radicals in your system.

Free radicals can speed up the onset of ageing; they are unstable electrons (O1 molecules)which are produced during metabolism. They damage the cell nucleus and the mitochondria.

Free radicals bounce around inside your cells like a pin ball, causing damage every time they hit something. They cause absolute havoc.

Antioxidants provide the free radical with the extra O1 molecule they need to become stable O2 molecules.

Good quality natural foods are the best way to combat these harmful free radicals. Natural organic foods are packed with antioxidants which neutralise the free radicals before they cause too much damage.

Eat Omega 3s – They fight inflammation, improve the appearance of your skin and aid brain function. Three vital things that we need as we age. So make sure you get as many omega 3s into your system as you can, the best source is fresh fish, if not a fish oil supplement will do.

Lower Sugar Intake – Aim to cut out any excess sugar that you eat, excess sugars can modify essential proteins in our body which can lead to wrinkles and energy loss.

Look after your skin through good food and lots of water – Eating foods containing vitamin A (sweet potatoes, broccoli, spinach, asparagus and carrots), Vitamin C (red peppers, broccoli, cauliflower, strawberries, oranges, kiwi and pineapple) and Vitamin E (nuts, seeds and spinach) are a great way of helping your skin look healthy.

Stop smoking and limit alcohol intake – There are few things that age you faster than smoking and drinking alcohol every day so cut out smoking and do as much as you can to drink less.

Lower Stress Levels – This is another big one, I just mentioned that there are few things that age you faster than smoking and alcohol; well I think stress is one of them.

Being constantly stressed will ruin your mood, energy levels, social interaction as well as causing so many health problems.

As I mentioned above, I have found deep breathing techniques, yoga and meditation really important and a great way of combating stress.

Let’s be realistic the big medical and health companies aren’t going to promote anti aging through the things I just said, they are going to promote it through new miracle pills, lotions and creams, there is a lot of money to be made from it so they will keep on doing it.

The people who buy these products don’t have to alter their lifestyle one little bit so it suits them which is why it is so popular.

We ultimately reap our rewards in our retirement, if you have invested some time and effort into your “health & fitness account”, you will reap the rewards.

If you haven’t then you won’t!

You can actually measure your biological age online with a biological age calculator.

If all of the things I have mentioned above didn’t require effort or commitment then everyone would be running around into their 90s and later!!

But unfortunately we don’t, we die much younger than that.

Depending on what stats you use, in 2010, UK men were reported to live on average until about 77 or 78, and women on average live until 82 or 83 years old.

Do it naturally and do it right.

Let me know your thoughts on this topic, comment below, I really want to know what you think.

Thanks for reading, take care,

Richard

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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]

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The Development of Old Age and Related Issues

April 18, 2016 by · Comments Off on The Development of Old Age and Related Issues
Filed under: General 

In traditional Chinese and other Asian cultures the aged were highly respected and cared for. The Igabo tribesmen of Eastern Nigeria value dependency in their aged and involve them in care of children and the administration of tribal affairs (Shelton, A. in Kalish R. Uni Michigan 1969).

In Eskimo culture the grandmother was pushed out into the ice-flow to die as soon as she became useless.

Western societies today usually resemble to some degree the Eskimo culture, only the “ice-flows” have names such a “Sunset Vista” and the like. Younger generations no longer assign status to the aged and their abandonment is always in danger of becoming the social norm.

There has been a tendency to remove the aged from their homes and put them  in custodial care. To some degree the government provides domiciliary care services to prevent or delay this, but the motivation probably has more to do with expense than humanity.

In Canada and some parts of the USA old people are being utilised as foster-grandparents in child care agencies.

SOME BASIC DEFINITIONS

What is Aging?

Aging: Aging is a natural phenomenon that refers to changes occurring throughout the life span and result in differences in structure and function between the youthful and elder generation.

Gerontology: Gerontology is the study of aging and includes science, psychology and sociology.

Geriatrics: A relatively new field of medicine specialising in the health problems of advanced age.

Social aging: Refers to the social habits and roles of individuals with respect to their culture and society. As social aging increases individual usually experience a decrease in meaningful social interactions.

Biological aging: Refers to the physical changes in the body systems during the later decades of life. It may begin long before the individual  reaches chronological age 65.

Cognitive aging: Refers to decreasing ability to assimilate new information and learn new behaviours and skills.

GENERAL PROBLEMS OF AGING

Eric Erikson (Youth and the life cycle. Children. 7:43-49 Mch/April 1960) developed an “ages and stages” theory of human development that involved 8 stages after birth each of which involved a basic dichotomy representing best case and worst case outcomes. Below are the dichotomies and their developmental relevance:

Prenatal stage – conception to birth.

  1. Infancy. Birth to 2 years – basic trust vs. basic distrust. Hope.
  2. Early childhood, 3 to 4 years – autonomy vs. self doubt/shame. Will.
  3. Play age, 5 to 8 years – initiative vs. guilt. Purpose.
  4. School age, 9to 12 – industry vs. inferiority. Competence.
  5. Adolescence, 13 to 19 – identity vs. identity confusion. Fidelity.
  6. Young adulthood – intimacy vs. isolation. Love.
  7. Adulthood, generativity vs. self absorption. Care.
  8. Mature age- Ego Integrity vs. Despair. Wisdom.

This stage of older adulthood, i.e. stage 8, begins about the time of retirement and continues throughout one’s life. Achieving ego integrity  is a sign of maturity while failing to reach this stage is an indication of poor development in prior stages through the life course.

Ego integrity: This means coming to accept one’s whole life and reflecting on it in a positive manner. According to Erikson, achieving integrity means fully accepting one’ self and coming to terms with death. Accepting responsibility for one’s life and being able to review the past with satisfaction is essential. The inability to do this leads to despair and the individual will begin to fear death. If a favourable balance is achieved during this stage, then wisdom is developed.

Psychological and personality aspects:

Aging has psychological implications. Next to dying our recognition that we are aging may be one of the most profound shocks we ever receive. Once we pass the invisible line of 65 our years are bench marked for the remainder of the game of life. We are no longer “mature age” we are instead classified as “old”, or “senior citizens”. How we cope with the changes we face and stresses of altered status depends on our basic personality. Here are 3 basic personality types that have been identified. It may be a oversimplification but it makes the point about personality effectively:

a. The autonomous – people who seem to have the resources for self-renewal. They may be dedicated to a goal or idea and committed to continuing productivity. This appears to protect them somewhat even against physiological aging.

b.The adjusted – people who are rigid and lacking in adaptability but are supported by their power, prestige or well structured routine. But if their situation changes drastically they become psychiatric casualties.

c.The anomic. These are people who do not have clear inner values or a protective life vision. Such people have been described as prematurely resigned and they may deteriorate rapidly.

Summary of stresses of old age.

a. Retirement and reduced income. Most people rely on work for self worth, identity and social interaction. Forced retirement can be demoralising.

b. Fear of invalidism and death. The increased probability of falling prey to illness from which there is no recovery is a continual source of anxiety. When one has a heart attack or stroke the stress becomes much worse.

Some persons face death with equanimity, often psychologically supported by a religion or philosophy. Others may welcome death as an end to suffering or insoluble problems and with little concern for life or human existence. Still others face impending death with suffering of great stress against which they have no ego defenses.

c. Isolation and loneliness. Older people face inevitable loss of loved ones, friends and contemporaries. The loss of a spouse whom one has depended on for companionship and moral support is particularly distressing. Children grow up, marry and become preoccupied or move away. Failing memory, visual and aural impairment may all work to make social interaction difficult. And if this then leads to a souring of outlook and rigidity of attitude then social interaction becomes further lessened and the individual may not even utilise the avenues for social activity that are still available.

d. Reduction in sexual function and physical attractiveness. Kinsey et al, in their Sexual behaviour in the human male, (Phil., Saunders, 1948) found that there is a gradual decrease in sexual activity with advancing age and that reasonably gratifying patterns of sexual activity can continue into extreme old age. The aging person also has to adapt to loss of sexual attractiveness in a society which puts extreme emphasis on sexual attractiveness. The adjustment in self image and self concept that are required can be very hard to make.

e. Forces tending to self devaluation. Often the experience of the older generation has little perceived relevance to the problems of the young and the older person becomes deprived of participation in decision making both in occupational and family settings. Many parents are seen as unwanted burdens and their children may secretly wish they would die so they can be free of the burden and experience some financial relief or benefit. Senior citizens may be pushed into the role of being an old person with all this implies in terms of self devaluation.

4 Major Categories of Problems or Needs:

Health.

Housing.

Income maintenance.

Interpersonal relations.

BIOLOGICAL CHANGES

Physiological Changes: Catabolism (the breakdown of protoplasm) overtakes anabolism (the build-up of protoplasm). All body systems are affected and repair systems become slowed. The aging process occurs at different rates in different individuals.

Physical appearance and other changes:

Loss of subcutaneous fat and less elastic skin gives rise to wrinkled appearance, sagging and loss of smoothness of body contours. Joints stiffen and become painful and range of joint movement becomes restricted, general mobility lessened.

Respiratory changes:

Increase of fibrous tissue in chest walls and lungs leads restricts respiratory movement and less oxygen is consumed. Older people more likelyto have lower respiratory infections whereas young people have upper respiratory infections.

Nutritive changes:

Tooth decay and loss of teeth can detract from ease and enjoyment in eating. Atrophy of the taste buds means food is inclined to be tasteless and this should be taken into account by carers. Digestive changes occur from lack of exercise (stimulating intestines) and decrease in digestive juice production. Constipation and indigestion are likely to follow as a result. Financial problems can lead to the elderly eating an excess of cheap carbohydrates rather than the more expensive protein and vegetable foods and this exacerbates the problem, leading to reduced vitamin intake and such problems as anemia and increased susceptibility to infection.

Adaptation to stress:

All of us face stress at all ages. Adaptation to stress requires the consumption of energy. The 3 main phases of stress are:

1. Initial alarm reaction. 2. Resistance. 3. Exhaustion

and if stress continues tissue damage or aging occurs. Older persons have had a lifetime of dealing with stresses. Energy reserves are depleted and the older person succumbs to stress earlier than the younger person. Stress is cumulative over a lifetime. Research results, including experiments with animals suggests that each stress leaves us more vulnerable to the next and that although we might think we’ve “bounced back” 100% in fact each stress leaves it scar. Further, stress is psycho-biological meaning the kind of stress is irrelevant. A physical stress may leave one more vulnerable to psychological stress and vice versa. Rest does not completely restore one after a stressor. Care workers need to be mindful of this and cognizant of the kinds of things that can produce stress for aged persons.

COGNITIVE CHANGE Habitual Behaviour:

Sigmund Freud noted that after the age of 50, treatment of neuroses via psychoanalysis was difficult because the opinions and reactions of older people were relatively fixed and hard to shift.

Over-learned behaviour: This is behaviour that has been learned so well and repeated so often that it has become automatic, like for example typing or running down stairs. Over-learned behaviour is hard to change. If one has lived a long time one is likely to have fixed opinions and ritualised behaviour patterns or habits.

Compulsive behaviour: Habits and attitudes that have been learned in the course of finding ways to overcome frustration and difficulty are very hard to break. Tension reducing habits such as nail biting, incessant humming, smoking or drinking alcohol are especially hard to change at any age and particularly hard for persons who have been practising them over a life time.

The psychology of over-learned and compulsive behaviours has severe implications for older persons who find they have to live in what for them is a new and alien environment with new rules and power relations.

Information acquisition:

Older people have a continual background of neural noise making it more difficult for them to sort out and interpret complex sensory input. In talking to an older person one should turn off the TV, eliminate as many noises and distractions as possible, talk slowly and relate to one message or idea at a time.

Memories from the distant past are stronger than more recent memories. New memories are the first to fade and last to return.

Time patterns also can get mixed – old and new may get mixed.

Intelligence.

Intelligence reaches a peak and can stay high with little deterioration if there is no neurological damage. People who have unusually high intelligence to begin with seem to suffer the least decline. Education and stimulation also seem to play a role in maintaining intelligence.

Intellectual impairment. Two diseases of old age causing cognitive decline are Alzheimer’s syndrome and Pick’s syndrome. In Pick’s syndrome there is inability to concentrate and learn and also affective responses are impaired.

Degenerative Diseases: Slow progressive physical degeneration of cells in the nervous system. Genetics appear to be an important factor. Usually start after age 40 (but can occur as early as 20s).

ALZHEIMER’S DISEASE Degeneration of all areas of cortex but particularly frontal and temporal lobes. The affected cells actually die. Early symptoms resemble neurotic disorders: Anxiety, depression, restlessness sleep difficulties.

Progressive deterioration of all intellectual faculties (memory deficiency being the most well known and obvious). Total mass of the brain decreases, ventricles become larger. No established treatment.

PICK’S DISEASE Rare degenerative disease. Similar to Alzheimer’s in terms of onset, symptomatology and possible genetic aetiology. However it affects circumscribed areas of the brain, particularly the frontal areas which leads to a loss of normal affect.

PARKINSON’S DISEASE Neuropathology: Loss of neurons in the basal ganglia.

Symptoms: Movement abnormalities: rhythmical alternating tremor of extremities, eyelids and tongue along with rigidity of the muscles and slowness of movement (akinesia).

It was once thought that Parkinson’s disease was not associated with intellectual deterioration, but it is now known that there is an association between global intellectual impairment and Parkinson’s where it occurs late in life.

The cells lost in Parkinson’s are associated with the neuro-chemical Dopamine and the motor symptoms of Parkinson’s are associated the dopamine deficiency. Treatment involves administration of dopamine precursor L-dopa which can alleviate symptoms including intellectual impairment. Research suggests it may possibly bring to the fore emotional effects in patients who have had psychiatric illness at some prior stage in their lives.

AFFECTIVE DOMAIN In old age our self concept gets its final revision. We make a final assessment of the value of our lives and our balance of success and failures.

How well a person adapts to old age may be predicated by how well the person adapted to earlier significant changes. If the person suffered an emotional crisis each time a significant change was needed then adaptation to the exigencies of old age may also be difficult. Factors such as economic security, geographic location and physical health are important to the adaptive process.

Need Fulfilment: For all of us, according to Maslow’s Hierarchy of Needs theory, we are not free to pursue the higher needs of self actualisation unless the basic needs are secured. When one considers that many, perhaps most, old people are living in poverty and continually concerned with basic survival needs, they are not likely to be happily satisfying needs related to prestige, achievement and beauty.

Maslow’s Hierarchy

Physiological

Safety

Belonging, love, identification

Esteem: Achievement, prestige, success, self respect

Self actualisation: Expressing one’s interests and talents to the full.

Note: Old people who have secured their basic needs may be motivated to work on tasks of the highest levels in the hierarchy – activities concerned with aesthetics, creativity and altruistic matters, as compensation for loss of sexual attractiveness and athleticism. Aged care workers fixated on getting old people to focus on social activities may only succeed in frustrating and irritating them if their basic survival concerns are not secured to their satisfaction.

DISENGAGEMENT

Social aging according to Cumming, E. and Henry, W. (Growing old: the aging process of disengagement, NY, Basic 1961) follows a well defined pattern:

  1. Change in role. Change in occupation and productivity. Possibly change in attitude to work.
  2. Loss of role, e.g. retirement or death of a husband.
  3. Reduced social interaction. With loss of role social interactions are diminished, eccentric adjustment can further reduce social interaction, damage to self concept, depression.
  4. Awareness of scarcity of remaining time. This produces further curtailment of activity in interest of saving time.

Havighurst, R. et al (in B. Neugarten (ed.) Middle age and aging, U. of Chicago, 1968) and others have suggested that disengagement is not an inevitable process. They believe the needs of the old are essentially the same as in middle age and the activities of middle age should be extended as long as possible. Havighurst points out the decrease in social interaction of the aged is often largely the result of society withdrawing from the individual as much as the reverse. To combat this he believes the individual must vigorously resist the limitations of his social world.

DEATH The fear of the dead amongst tribal societies is well established. Persons who had ministered to the dead were taboo and required observe various rituals including seclusion for varying periods of time. In some societies from South America to Australia it is taboo for certain persons to utter the name of the dead. Widows and widowers are expected to observe rituals in respect for the dead.

Widows in the Highlands of New Guinea around Goroka chop of one of their own fingers. The dead continue their existence as spirits and upsetting them can bring dire consequences.

Wahl, C in “The fear of death”, 1959 noted that the fear of death occurs as early as the 3rd year of life. When a child loses a pet or grandparent fears reside in the unspoken questions: Did I cause it? Will happen to you (parent) soon? Will this happen to me? The child in such situations needs to re-assure that the departure is not a censure, and that the parent is not likely to depart soon. Love, grief, guilt, anger are a mix of conflicting emotions that are experienced.

CONTEMPORARY ATTITUDES TO DEATH

Our culture places high value on youth, beauty, high status occupations, social class and anticipated future activities and achievement. Aging and dying are denied and avoided in this system. The death of each person reminds us of our own mortality.

The death of the elderly is less disturbing to members of Western society because the aged are not especially valued. Surveys have established that nurses for example attach more importance to saving a young life than an old life. In Western society there is a pattern of avoiding dealing with the aged and dying aged patient.

Stages of dying. Elisabeth Kubler Ross has specialised in working with dying patients and in her “On death and dying”, NY, Macmillan, 1969, summarised 5 stages in dying.

  1. Denial and isolation. “No, not me”.
  2. Anger. “I’ve lived a good life so why me?”
  3. Bargaining. Secret deals are struck with God. “If I can live until…I promise to…”
  4. Depression. (In general the greatest psychological problem of the aged is depression). Depression results from real and threatened loss.
  5. Acceptance of the inevitable.

Kubler Ross’s typology as set out above should, I believe be taken with a grain of salt and not slavishly accepted. Celebrated US Journalist David Rieff who was in June ’08 a guest of the Sydney writer’s festival in relation to his book, “Swimming in a sea of death: a son’s memoir” (Melbourne University Press) expressly denied the validity of the Kubler Ross typology in his Late Night Live interview (Australian ABC radio) with Philip Adams June 9th ’08. He said something to the effect that his mother had regarded her impending death as murder. My own experience with dying persons suggests that the human ego is extraordinarily resilient. I recall visiting a dying colleague in hospital just days before his death. He said, “I’m dying, I don’t like it but there’s nothing I can do about it”, and then went on to chortle about how senior academics at an Adelaide university had told him they were submitting his name for a the Order of Australia (the new “Knighthood” replacement in Australia). Falling in and out of lucid thought with an oxygen tube in his nostrils he was nevertheless still highly interested in the “vain glories of the world”. This observation to me seemed consistent with Rieff’s negative assessment of Kubler Ross’s theories.

THE AGED IN RELATION TO YOUNGER PEOPLE

The aged share with the young the same needs: However, the aged often have fewer or weaker resources to meet those needs. Their need for social interaction may be ignored by family and care workers.

Family should make time to visit their aged members and invite them to their homes. The aged like to visit children and relate to them through games and stories.

Meaningful relationships can be developed via foster-grandparent programs. Some aged are not aware of their income and health entitlements. Family and friends should take the time to explain these. Some aged are too proud to access their entitlements and this problem should be addressed in a kindly way where it occurs.

It is best that the aged be allowed as much choice as possible in matters related to living arrangements, social life and lifestyle.

Communities serving the aged need to provide for the aged via such things as lower curbing, and ramps.

Carers need to examine their own attitude to aging and dying. Denial in the carer is detected by the aged person and it can inhibit the aged person from expressing negative feelings – fear, anger. If the person can express these feelings to someone then that person is less likely to die with a sense of isolation and bitterness.

A METAPHYSICAL PERSPECTIVE

The following notes are my interpretation of a Dr. Depak Chopra lecture entitled, “The New Physics of Healing” which he presented to the 13th Scientific Conference of the American Holistic Medical Association. Dr. Depak Chopra is an endocrinologist and a former Chief of Staff of New England Hospital, Massachusetts. I am deliberately omitting the detail of his explanations of the more abstract, ephemeral and controversial ideas.

Original material from 735 Walnut Street, Boulder, Colorado 83002,

Phone. +303 449 6229.

In the lecture Dr. Chopra presents a model of the universe and of all organisms as structures of interacting centres of electromagnetic energy linked to each other in such a way that anything affecting one part of a system or structure has ramifications throughout the entire structure. This model becomes an analogue not only for what happens within the structure or organism itself, but between the organism and both its physical and social environments. In other words there is a correlation between psychological conditions, health and the aging process. Dr. Chopra in his lecture reconciles ancient Vedic (Hindu) philosophy with modern psychology and quantum physics.

Premature Precognitive Commitment: Dr. Chopra invokes experiments that have shown that flies kept for a long time in a jar do not quickly leave the jar when the top is taken off. Instead they accept the jar as the limit of their universe. He also points out that in India baby elephants are often kept tethered to a small twig or sapling. In adulthood when the elephant is capable of pulling over a medium sized tree it can still be successfully tethered to a twig! As another example he points to experiments in which fish are bred on

2 sides of a fish tank containing a divider between the 2 sides. When the divider is removed the fish are slow to learn that they can now swim throughout the whole tank but rather stay in the section that they accept as their universe. Other experiments have demonstrated that kittens brought up in an environment of vertical stripes and structures, when released in adulthood keep bumping into anything aligned horizontally as if they were unable to see anything that is horizontal. Conversely kittens brought up in an environment of horizontal stripes when released bump into vertical structures, apparently unable to see them.

The whole point of the above experiments is that they demonstrate Premature Precognitive Commitment. The lesson to be learned is that our sensory apparatus develops as a result of initial experience and how we’ve been taught to interpret it.

What is the real look of the world? It doesn’t exist. The way the world looks to us is determined by the sensory receptors we have and our interpretation of that look is determined by our premature precognitive commitments. Dr Chopra makes the point that less than a billionth of the available stimuli make it into our nervous systems. Most of it is screened, and what gets through to us is whatever we are expecting to find on the basis of our precognitive commitments.

Dr. Chopra also discusses the diseases that are actually caused by mainstream medical interventions, but this material gets too far away from my central intention. Dr. Chopra discusses in lay terms the physics of matter, energy and time by way of establishing the wider context of our existence. He makes the point that our bodies including the bodies of plants are mirrors of cosmic rhythms and exhibit changes correlating even with the tides.

Dr. Chopra cites the experiments of Dr. Herbert Spencer of the US National Institute of Health. He injected mice with Poly-IC, an immuno-stimulant while making the mice repeatedly smell camphor. After the effect of the Poly-IC had worn off he again exposed the mice to the camphor smell. The smell of camphor had the effect of causing the mice’s immune system to automatically strengthen as if they had been injected with the stimulant. He then took another batch of mice and injected them with cyclophosphamide which tends to destroy the immune system while exposing them to the smell of camphor. Later after being returned to normal just the smell of camphor was enough to cause destruction of their immune system. Dr. Chopra points out that whether or not camphor enhanced or destroyed the mice’s immune system was entirely determined by an interpretation of the meaning of the smell of camphor. The interpretation is not just in the brain but in each cell of the organism. We are bound to our imagination and our early experiences.

Chopra cites a study by the Massachusetts Dept of Health Education and Welfare into risk factors for heart disease – family history, cholesterol etc. The 2 most important risk factors were found to be psychological measures – Self  Happiness Rating and Job Satisfaction. They found most people died of heart disease on a Monday!

Chopra says that for every feeling there is a molecule. If you are experiencing tranquillity your body will be producing natural valium. Chemical changes in the brain are reflected by changes in other cells including blood cells. The brain produces neuropeptides and brain structures are chemically tuned to these neuropeptide receptors. Neuropeptides (neurotransmitters) are the chemical concommitants of thought. Chopra points out the white blood cells (a part of the immune system) have neuropeptide receptors and are “eavesdropping” on our thinking. Conversely the immune system produces its own neuropeptides which can influence the nervous system. He goes on to say that cells in all parts of the body including heart and kidneys for example also produce neuropeptides and neuropeptide sensitivity. Chopra assures us that most neurologists would agree that the nervous system and the immune system are parallel systems.

Other studies in physiology: The blood interlukin-2 levels of medical students decreased as exam time neared and their interlukin receptor capacities also lowered. Chopra says if we are having fun to the point of exhilaration our natural interlukin-2 levels become higher. Interlukin-2 is a powerful and very expensive anti-cancer drug. The body is a printout of consciousness. If we could change the way we look at our bodies at a genuine, profound level then our bodies would actually change.

On the subject of “time” Chopra cites Sir Thomas Gall and Steven Hawkins, stating that our description of the universe as having a past, present, and future are constructed entirely out of our interpretation of change. But in reality linear time doesn’t exist.

Chopra explains the work of Alexander Leaf a former Harvard Professor of Preventative Medicine who toured the world investigating societies where people  lived beyond 100 years (these included parts of Afghanistan, Soviet Georgia, Southern Andes). He looked at possible factors including climate, genetics, and diet. Leaf concluded the most important factor was the collective perception of aging in these societies.

Amongst the Tama Humara of the Southern Andes there was a collective belief that the older you got the more physically able you got. They had a tradition of running and the older one became then generally the better at running one got. The best runner was aged 60. Lung capacity and other measures actually improved with age. People were healthy until well into their 100s and died in their sleep. Chopra remarks that things have changed since the introduction of Budweiser (beer) and TV.

[DISCUSSION: How might TV be a factor in changing the former ideal state of things?]

Chopra refers to Dr. Ellen Langor a former Harvard Psychology professor’s work. Langor advertised for 100 volunteers aged over 70 years. She took them to a Monastery outside Boston to play “Let’s Pretend”. They were divided into 2 groups each of which resided in a different part of the building. One group, the control group spent several days talking about the 1950s. The other group, the experimental group had to live as if in the year 1959 and talk about it in the present tense. What appeared on their TV screens were the old newscasts and movies. They read old newspapers and magazines of the period. After 3 days everyone was photographed and the photographs judged by independent judges who knew nothing of the nature of the experiment. The experimental group seemed to have gotten younger in appearance. Langor then arranged for them to be tested for 100 physiological parameters of aging which included of course blood pressure, near point vision and DHEA levels. After 10 days of living as if in 1959 all parameters had reversed by the equivalent of at least 20 years.

Chopra concludes from Langor’s experiment: “We are the metabolic end product of our sensory experiences. How we interpret them depends on the collective mindset which influences individual biological entropy and aging.”

Can one escape the current collective mindset and reap the benefits in longevity and health? Langor says, society won’t let you escape. There are too many reminders of how most people think linear time is and how it expresses itself in entropy and aging – men are naughty at 40 and on social welfare at 55, women reach menopause at 40 etc. We get to see so many other people aging and dying that it sets the pattern that we follow.

Chopra concludes we are the metabolic product of our sensory experience and our interpretation gets structured in our biology itself. Real change comes from change in the collective consciousness – otherwise it cannot occur within the individual.

Readings

Chopra, D. The New Physics of Healing. 735 Walnut Street, Boulder, Colorado 83002,

Phone. +303 449 6229.

Coleman, J. C. Abnormal psychology and modern life. Scott Foresman & Co.

Lugo, J. and Hershey, L. Human development a multidisciplinary approach to the psychology of individual growth, NY, Macmillan.

Dennis. Psychology of human behaviour for nurses. Lond. W. B.Saunders.

[http://www.psychologynatural.com/DepressionBroch.html]

Dr. Victor Barnes is an Adelaide psychologist and hypnotherapist. He has also had three decades of experience in adult education including serving as Dean of a Sri Lankan college (ICBT) teaching several Australian degrees. His overseas experience includes studies and consulting experience in USA, PNG, Poland and Sri Lanka.

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.

Sex and the Senior Living Community: N.Y. Times

January 21, 2014 by · Leave a Comment
Filed under: Articles 

With a documented, “rapid” increase in sexually transmitted diseases (STDs) among older Americans, there’s cause for concern about unsafe sex practices happening in retirement communities around the country, says a recent New York Times opinion piece.

Both chlamydia infections and syphilis diagnoses rose substantially among seniors aged 65 and older between 2007 and 2011, according to the Centers for Disease Control and Prevention. The numbers are similar to STD trends in the 20 to 24-year-old age group, notes Ezekiel J. Emanuel, an oncologist and vice provost at the University of Pennsylvania, and there are a few reasons why.

“First, retirement communities and assisted living facilities are becoming like college campuses,” he writes. “They cram a lot of similarly aged people together, and when they do, things naturally happen.”

Another factor: older people are living longer and healthier, allowing them to remain sexually active late into their lives. More than half of men and about 40% of women aged 60 and older report being sexually active, says Emanual citing a National Survey of Sexual Health and Behavior.

“But while they are having a lot of sex, seniors didn’t seem to get the safe sex memo…

Keep reading at:  http://seniorhousingnews.com/2014/01/21/sex-and-the-senior-living-community-n-y-times/?utm_source=rss&utm_medium=rss&utm_campaign=sex-and-the-senior-living-community-n-y-times&utm_reader=feedly

Coalition to Protect Retirement Launches Campaign to Safeguard Retirement Savings Incentives

November 29, 2013 by · Leave a Comment
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Nearly 9 in 10 Americans Say Retirement Savings Accounts Should be “Off Limits” As a Source of New Tax Revenue – Part of National Campaign to Raise Awareness About Benefits of Tax Deferral

WASHINGTON, Nov. 7, 2013 /PRNewswire-USNewswire/ — Americans overwhelmingly – by a margin of 4 to 1 – oppose changing tax rules for retirement savings accounts, according to a new survey released today by the Coalition to Protect Retirement, a group of America’s leading supporters of retirement savings plans.

The research shows widespread support across political parties for maintaining the current tax treatment for retirement savings vehicles, such as 401(k) plans, 403(b) plans, and traditional IRAs.  According to the survey, which was conducted in mid-October, 87 percent of all Americans and 95 percent of those who have a tax-deferred 401(k)-like retirement plan accounts believe retirement savings should be “off limits” to Congress and not a source of new revenue for the government.

Today’s release of the survey coincides with the Coalition’s launch of a national education and advocacy campaign to preserve the current tax incentives for retirement savings.  The campaign will raise awareness about how current tax deferral rules are helping millions of Americans prepare for their own retirement, and will urge workers and their employers to tell Congress not to change or limit these incentives to save.  Visitors to the Coalition’s website www.HowAmericaSaves.com will be able to send letters to their elected officials and follow developments in Congress.

“Retirement savings incentives play an essential role in encouraging Americans to save and employers to sponsor retirement plans,” said Hank Jackson, President and CEO of the Society for Human Resource Management (SHRM) on behalf of the Coalition.  “This isn’t just smart tax policy – it’s proven good sense.”

Tax Incentives Help Americans Save for Retirement
The current tax incentives have succeeded in helping Americans save for retirement and have increased the number of workers who are covered by retirement plans.  According to the latest available data, more than 67 million people participate in private-sector defined contribution plans alone.  All told, Americans have $20.9 trillion in assets earmarked for retirement.

All Income Levels Benefit from Retirement Plan Tax Incentives
Individuals at all income levels have benefitted from these incentives, particularly middle-income earners.  More than 70 percent of American workers who earn between $30,000 and $50,000 a year contribute to a retirement savings plan when one is offered at work.

“Given the vast numbers of baby boomers who reach retirement age every day, retirement savings incentives are needed more than ever,” said Kenneth E. Bentsen, Jr., President of the Securities Industry and Financial Markets Association (SIFMA).  “They are doing what they were intended to do – helping people who need them most to take responsibility for their own retirement security.”

The Coalition noted the important role employers play in helping workers prepare for retirement.  Between 2000 and 2009, employers contributed almost $3.5 trillion to public and private retirement plans.  Changes to current incentives could adversely affect employer-sponsored plans, contributions, and the retirement security of millions of Americans.

“Raising new revenue should not come at the expense of Americans’ retirement savings, not now or in the future,” said Brian Graff, CEO and Executive Director of the American Society of Pension Professionals & Actuaries (ASPPA).  “If Congress reduces the benefits of offering and contributing to retirement savings, fewer people will save.  The result: more of tomorrow’s retirees will need to turn to the government for help, and that will mean more federal spending.”

Media Availability
Representatives of the Coalition to Protect Retirement and of Juncture Strategies/ORC International will be available to answer questions and discuss the national survey on Thursday, November 7 from 1:30 – 2:00 p.m. Eastern Time. 
Call-in number:  1-800-745-6370        Passcode:  5356061

About the Coalition to Protect Retirement
The Coalition to Protect Retirement believes that Congress should encourage retirement savings for American workers through the preservation of current tax incentives.  The Coalition is composed of the following associations:  American Benefits Council, American Council of Life Insurers, American Society of Pension Professionals and Actuaries, The ERISA Industry Committee, ESOP Association, Insured Retirement Institute, Investment Company Institute, Plan Sponsor Council of America, Securities Industry and Financial Markets Association, and the Society for Human Resource Management.

The Coalition’s website www.HowAmericaSaves.com was created to raise awareness among workers, employers, policymakers, and the public about the important role that tax deferral plays in helping people plan for their own retirement security.  The site provides tools for individuals and organizations to make their views known to elected officials and to stay informed about proposals being debated in Congress.  To learn more, visit:  www.HowAmericaSaves.com.

About the Survey
Juncture Strategies/ORC International conducted a national on-line survey of 1,011 adults, 18 years of age or older, during October 14–16, 2013.  A summary of the survey results is available at: http://bit.ly/retresearch.

Contact: Bill Maroni BMaroni@howamericasaves.com / 301 802-3375

AARP Report Highlights Need for Innovative Long-Term Care for the Aging Baby Boomer Population; Japan’s Technological Secrets May Hold the Answers

November 20, 2013 by · Leave a Comment
Filed under: Articles 

A newly published AARP report illustrates a profound demographic shift that will have consequences for decades to come, particularly in the senior living and long-term care industry. Baby boomers are entering their retirement years, while the ratio of potential family caregivers to those who require long-term services and support is beginning to drop. Fewer available caregivers will mean the senior living industry must rapidly adapt to a surging market. The AARP’s full report is available here: http://bit.ly/156phYi

Family caregiving is a low-cost but often burdensome approach to elder care. Becoming a primary caregiver often involves leaving behind a career, among other sacrifices. Plus, these well-intentioned caregivers may not have the expertise necessary to provide the level of care needed by an aged parent. Adults in these roles often feel enormous pressure and stress, sometimes even resentment. At any rate, the nation’s changing demographics will make today’s family caregiving situation far different in the near future.

Between 1990 and 2010, there were about 7 potential caregivers for every one person aged 80-plus. That ratio is at the start of a freefall that will force society to change the way it cares for its elderly members. By 2030, the ratio of caregivers to elderly will be 4 to 1. All remaining baby boomers will have reached their years of highest risk (80+) by 2050, when the caregiver ratio will have plummeted still further to 3 to 1.

Kevin Williams, president of SeniorMarketing.com, suggests innovative thinking will be required to bridge this care gap: “Naturally, with fewer family caregivers available, the responsibility will largely shift to senior living communities, care agencies and already overextended government programs. But it will take more than simply building more communities or training more staff—assuming an adequate number of candidates are even available. Technological innovation may be the silver bullet to raise the standard of living for aging boomers, improve efficiency, and reduce costs.”

The nation of Japan, which has the greatest life expectancy and one of the oldest average populations in the world, has recently experienced a demographic transition of its own. Recently, the Ministry of Health, Labor and Welfare put out a call for 2 million new professional caregivers, but only received 1.3 million eligible candidates. With low birth rates being the norm, that shortfall will only increase. A tech-savvy society to begin with, the Japanese have embraced robotics and automation as a solution to the elder care issue. Motorized, assistive devices can help older individuals perform tasks themselves, while automated pill dispensers can prevent dangerous medication mistakes. A recent blog post on The Economist explained Japan’s inventive approach to the elder care dilemma: http://www.economist.com/blogs/babbage/2013/05/automation-elderly

Williams concluded: “This demographic shift is a great challenge but also a great opportunity. Forward-thinking, entrepreneurs will be leading the way in this new environment. Technology to assist with daily tasks, provide medical care, monitor, and connect seniors to loved ones is advancing at a faster pace every year. It’s not unreasonable to predict that the future will witness even better care for our future seniors.”

About SeniorMarketing.com

Baltimore-based SeniorMarketing.com was created with twin goals in mind. First, the company helps connect caregivers and seniors with local, affordable care options. Second, the company increases income for senior living communities and health care agencies.

Contact:

Kevin M. Williams, President
SeniorMarketing.com
5024 Campbell Blvd., Suite D-3
Baltimore, MD 21236
Phone: 1-888-523-3311

How To Start Your Own Senior Citizen Events Service by Vince Stead

October 3, 2013 by · Leave a Comment
Filed under: Articles 

Expert Author Vince Stead

You can start your own business and make money helping others have a good time, and have a good time yourself doing it! As the population of baby boomers grows, and more of our population becomes older as time goes by. There are millions of folks 55 and older that have a lot of energy, desire, time and money, to do many things still! Some of the retirement communities that allow only people 55 and older to live their, have some of the most active seniors, with all kinds of wants and needs, and if you can fulfill that market, you can make some money doing it.

Find a way to fulfill this need, with either day trips, bus tours, cruises, vacation scheduling help, or even bingo, and you can set up various outings, where someone will win a big grand prize! You could arrange with local tour operators who are already in business. Find out their prices for certain day trips, and then negotiate for even a better price, so that you can make even more profit. You could make up your own fliers, and offer the same trips, but market it differently than the tour operators do, by going directly to places older folks like to be. You can try places like mobile home parks, senior citizens centers, hospitals, churches, etc…

You could start this business part time, and turn it into a full time business with a little imagination, and by putting lots of free classified ads up on the internet!

Vince Stead has written 9 books so far. You can find his books at places like Amazon, Barnes and Noble, and http://www.vincestead.com

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

 

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

“Aging in Place” is the focus of a multi-platform report by the PBS NEWSHOUR

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

“Aging in Place” is the focus of a multi-platform report by the PBS NEWSHOUR

Report is the latest in TAKING CARE: a 6-part series the challenges of long-term care

 NewsHour Online offers tips for seniors, profiles a pilot program in Baltimore, and shares personal stories

As Americans live longer, more-productive lives, many seniors are seeking ways to “Age in Place” – to grow old in their own homes rather than move in with family or to traditional retirement facilities.  As part of its ongoing reporting on the challenges of aging and long-term care, Ray Suarez reports from Boston on a non-profit membership organization that helps seniors grow old in their own homes.  The broadcast report airs Thursday, August 08, 2013 on the PBS NEWSHOUR (check local listings.)

The group, Beacon Hill Village, was founded by Susan McWhinney-Morse and 10 of her friends and neighbors who wanted to find a way to grow old in their homes without having to depend on their children for help.  For an annual membership fee, the group offers transportation, social events, and other low-cost services for seniors. The organization has become a model for the nation – there are now over 100 villages across the country and over 200 in development.

Produced with support from The SCAN Foundation, the report is the second in TAKING CARE: a 6-part series on long-term care that will continue throughout the year with reports that show the magnitude of the problem, the challenges faced by individuals and governments, and some of the models for change being tested.

PBS NEWSHOUR’s reporting on “Aging in Place” continues online:

  • 7 simple repairs to help seniors safely age in place  and an opportunity to share your own tips;
  • a “quilt” of photos and anecdotes of living alone, submitted by seniors and their relatives;
  •  an extended interview with one of the founders of Beacon Hill Village;
  • And on Friday –a video showing the work of CAPABLE, a Johns Hopkins-run, Baltimore-located organization that fixes up homes to increase mobility and function.

The SCAN Foundation is an independent, non-profit public charity devoted to advancing a world where all of us can age with dignity, independence, and choice.

PBS NEWSHOUR is seen by over 5 million weekly viewers and is also available online, via public radio in select markets and via podcast. The program is produced with WETA Washington, D.C., and in association with WNET.org in New York. Major corporate funding for the PBS NEWSHOUR is provided by BAE Systems and BNSF Railway with additional support from the Corporation for Public Broadcasting and public television viewers. www.pbs.org/newshour

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

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

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

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

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

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

Learn basic computer skills:

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

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

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

Accepting the challenge:

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

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

Benefits galore:

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

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

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

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

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

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

September 2, 2013 by · Leave a Comment
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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

Debt and Senior Citizens by David Cunningham

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

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

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

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

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

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

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

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

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

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

And now, the sample I promised:

John Smith

Total Monthly Income: $1200

DEBTS / MONTHLY PAYMENTS

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

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

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

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

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

House Phone $50 (monthly payment)

Cell Phone $55 (monthly payment)

Total Debt $79,200

Total Monthly Payments $1,400

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

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

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

 

Life Insurance Schemes Aimed At Senior Citizens by Bobby E Richardson

August 23, 2013 by · Leave a Comment
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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

Senior Citizen Cruise Ship Vacations – You’re Never Too Old by Tim Roseland

August 16, 2013 by · Leave a Comment
Filed under: Articles 

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As the members of the Baby Boomer generation have begun to reach retirement age, they have completely turned the traditional idea of the “sunset years” on its ear. The senior citizen of today is nowhere near ready to slow down, and has more opportunities than ever before to continue enjoying life to the full.

If you’re a senior citizen who’s been exploring life’s possibilities, you’ve undoubtedly thought about traveling. Finding vacation packages geared for seniors is easier than you can imagine, whether they be guided tours, travels with a church or other social group, or simply flying solo. But one sometimes overlooked senior travel possibility is the cruise ship vacation.

The cruise vacation industry has grown exponentially over the past ten years, and most cruise lines operate several different ships in a variety of classes. They have made their ships to accommodate, and fill their cruises with so many activities that you’re sure to find the one which is perfect for you.

Here’s a list of just some typical daily activities aboard one of the leading cruise lines:

– Low-impact aerobics
– Sunrise stretch class
– Walkathon
– Napkin folding
– Shopping and island information talks
– Party Bridge
– Golf putting tournament
– Art auction
– Cash prize Bingo
– Island music poolside
– Slots tournament
– Perfume seminar
– Jewelry and Cash Bingo
– Aquadynamics
– Blackjack tournament
– Piano music
– Movie
– Cocktail music
– Karaoke
– Piano bar entertainment
– Dance music
– 50s and 60s Trivia

This list, however, doesn’t include anything about the shipboard stage entertainment, the offshore excursions, or dining. Nor does sit mention the ship’s library, pool tables, onboard shops, and private deck areas along the ship’s stern where you can simply stretch out on a lounge chair and watch the clouds and ocean drift by.

Most cruises will offer lectures and seminars on everything from the culture of your next port-of-call to the wines being offered with the evenings’ entrees. If you love the food, you may be lucky enough to sit in on a cooking lesson with the ship’s chef (or even a visiting celebrity chef!) One cruise line will even let you earn SCUBA certification before you reach the next great coral reef.

The stage show offered of today’s cruise ships are every bit the equal of what you can expect to see in Las Vegas, complete with pyrotechnics, laser lighting, and huge casts of dancers and singers. Royal Caribbean has three ships with ice skating rinks, and even if you think your skating days are behind you, you can still enjoy their version of the Ice Capades! Vaudeville is alive and well on cruise ships, when you’re in the mood for sheer silliness.

Most cruise ships have cocktail mixers at which you can mingle with your shipmates, and most of them also have dance floors where you can strut your stuff. The casinos and Bingo parlors are great for fun on the days you’re at sea, but the ports-of-call you’ll visit are really the highlights of your cruise. Pulling into a tropical bay with balmy breezes and 75° temperatures when the folks back home are bundled up against the snow, and strolling along a deserted beach or playing a round of golf on one of the world’s elite courses are just some of the unforgettable experiences you’ll enjoy on your cruise.

You’ll never have a safer vacation environment than that of a cruise ship. Regardless of whether you’ll be traveling solo or with family or friends, you can relax completely and let yourself be pampered just as you’ve always dreamed. The only thing you won’t like about your senior cruise ship vacation is that you waited so long to take it!

myroadtotravel was created in late 2007 as way for my wife and I to do what we love most…Travel. We love to share our experiences with others and have recently created our first blog [http://www.myroadtotravelblog.com] to help us do just that. Through this blog, we offer travel tips, our own personal experiences/adventures and photos from our vacations. Please stop by and give us your feedback and remember, for all your travel booking needs please visit us athttp://www.myroadtotravel.com

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

Health Care for Senior Citizens – About Arthritis by KV Gopalakrishnan

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

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Once you cross the threshold of fifty years, it is best to be aware of some typical diseases which have the potential to diminish your enjoyment of everyday living. Arthritis is certainly one of the ailments that falls into this class. This article offers you, in a nutshell, information about the disease, as well as the lifestyle modifications, which might enable you to prevent it and address it if needed.

What is Arthritis?

Arthritis is typically the swelling and infection of one or more body joints, where a pair of bones meet. Arthritis develop when the cartilage, which protects a joint and enables it to move freely, gets affected. Since the cartilage facilitates in absorbing impact when stress is exerted on the joint like when you walk or jog, its damage affects movement of the joint. When the normal quantity of cartilage material diminishes, the bones may begin rubbing with each other, triggering discomfort, swelling (inflammation), and rigidity, resulting in Arthritis.

Causes for Arthritis

The damage to the cartilage and joint soreness can occur due to a variety of factors. This impairment to the cartilage can occur due to normal wear and tear of joints, a damaged bone, infection in the region caused by bacteria or virus, and in some cases due to an auto-immune condition wherein body immune system erroneously assaults healthy tissues. Generally Arthritis gets cured once the particular trigger goes away or is addressed. At times the disease does not get cured. When this occurs, it is called chronic Arthritis.

Signs and symptoms of Arthritis

The indicators of this illness include joint ache, joint inflammation, restricted movements of one’s joints, soreness on the skin close to a joint, stiffness especially in the early morning and warmth all-around a joint. An early on diagnosis of Rheumatoid Arthritis is definitely a crucial factor in treating it and also preventing it from turning into acute.

Treatment options for Arthritis

The healthcare specialist treating Arthritis is referred to as a Rheumatologist. The comprehensive treatment solution of Arthritis consists primarily of life-style modifications, physical exercise program, and if needed medicines, dietary supplements and surgical procedure. Immediate therapy include things like, heating or cooling, Orthotics (splints) support, water treatment and massage therapy. The objective of treatment is usually to minimize suffering, enhance function, and prevent further harm to the joint. Nevertheless, in a few instances, the root cause can not be remedied.

Cure for Arthritis – Lifestyle changes

Life-style modifications are the favored treatment solution for Arthritis as well as other types of joint inflammation. Primarily, it is important to get rid of any excess weight to reduce the stress on the affected joints. Physical exercise may help alleviate stiffness, minimize suffering and fatigue, and boost muscle and bone strength. It is best to seek advice from your therapist to design a workout plan that may suit your needs.. Work out plans may also incorporate low impact aerobic activity, flexibility workouts and power training for muscular tissues. If necessary, the therapist can recommend usage of some unique devices to help you to drive, dress and do other everyday activities.

Other tips which can enable you to get relief include:

 

  • Having 8-10 hours of sleep,
  • Avoiding remaining in one position.
  • Avoiding extra pressure on joints and
  • Practicing yoga and meditation.

 

So far as nutrition is concerned, it is best to eat healthy diet which include:

 

  • Substantial amount of fruits and veggies,
  • Omega three rich foodstuff such as fish, soybeans and walnuts.
  • Complex carbohydrates with minimal salt, sugar and fat
  • Green tea is claimed to scale back inflammation and degradation of cartilage.

 

Prevention of Arthritis

For prevention of Arthritis, please take care to avoid strain or injury to joints and also to have timely cure of infections in the region of joints. It might be far better to stay away from jogging after you cross fifty years of age mainly because it can result in weakness to knee joints and lower back.. Swimming is an effective alternative for jogging.

The lifestyle adjustments and the dietary recommendations described in the section ‘Cure for arthritis – Lifestyle changes’ are equally relevant in preventing it.

The goal of this short article is to present you with basic information about Arthritis as well as emphasize the significance of lifestyle modifications for curing and preventing it. Having said that, you should invariably seek the advice of a healthcare professional to treat the ailment.

Senor Citizen Consultant

Retired from Government service and enjoying life.

My aim is to help senior citizens by giving useful tips to enable them to enjoy health, wealth and happiness.

http://enjoyafter50.com/ <-Visit this website for tips and tricks to make your retirement life happy and enjoyable.

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

Senior Citizen Assisted Living Can Help Baby Boomers Keep Their Independence by Susan Elizabeth

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

Elderly-Couple-Walks-Retirement

Reaching your golden years is a great accomplishment. It is in fact one of the best things about living in the times that we do. There are so many opportunities and activities available now that did not exist previously, that it is almost impossible to take advantage of them all.

Senior citizen assisted living is one of those ideas that has come of age in a time when there are more people than ever who are retiring. The baby boomer group is the largest demographic group on the planet and many of them are reaching retirement age right now.

This has created a need for all manners of senior retirement arrangements that range all the way from complete and total care, kind of like the nursing homes used to be, through senior assisted living facilities which help seniors maintain all the independence they can for as long as is possible, to active adult retirement communities where often the primary focus is one golf or some other sport.

This range of choices is absolutely unprecedented in our society. Not only that, but with the touch of a few buttons on the computer keyboard, the internet springs to life and brings you tons of information about all these various living arrangements so you can decide exactly what kind of facility you need.

Assisted living facilities do a great job of tailoring specific service plans for their residents. This means that each person gets the care they need on an individual planned out basis. The goal is to not change the senior person’s lifetime of habits or lifestyle but still make it possible for them to receive the care they need to live a great and fulfilling life.

There are many of these facilities in many locations and each of them is a little different in what they have to offer their residents. The types and levels of services offered can be quite different one state to another, and because the industry is overseen more by the individual states rather than the federal government, it is important to make sure that the kind of care you need is available in an assisted living facility in the state that you are thinking of living in.

It is not that any of the care is worse in some states than in others, it’s just that the laws and regulations are a bit different. But as fare as getting the help you might need when you are living in a senior citizen assisted living community, all of them deliver exactly what you need. And not more than you need.

The goal is always is keep the most amount of independence possible and in the retirement community world, the assisted living facilities do the best job overall of juggling between providing care and maintaining independence.

Susan is a full fledged baby boomer and avid internet researcher who writes about active retirement communities and other baby boomer topics on her site at www.second50years.com.

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

Spend Time Musing – Suggestions For Senior Citizen Contemplation by Jerry Elrod

July 16, 2013 by · Leave a Comment
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One of the big time blessings of aging is having time to think. Senior citizens indulging in thought is one of the luxuries that has too many enemies. We are bidden by the distractions and temptations which discourage genuine, quiet, and worthwhile contemplation.

The patio at your home offers the silence and serenity necessary for productive or just meandering thought. The front porch allows the mind to wander and flit and the eye to gaze and the heart to be at peace. What more healthy enterprise can one find for engaging oneself than these? What more useful way to allow for the discovery of an idea or a thought, for the development of a series of pure fantasies that give one peace of spirit. Or such may allow one to launch out into new adventures full of exciting inquiries and inventively creative designs.

What if your thinking encouraged you to take up art or sculpting or writing poetry or penning short stories or designing greeting cards? What if watching the clouds opened up vistas beyond inspiring you to see there strange and wonderful childlike adventures?

Maybe you play the piano enough that your thinking could result in a worthy composition. Maybe your meditations could dissolve some great ethical problem. Maybe your mind holds a secret the world has long awaited!

Somewhere out there in the wonderland of our thoughts is a new discovery, a new uncharted course to new unfound lands, a path from our front door to doors previously unopened.

Spend the time in thought that might otherwise go begging for activity. Spend moments meditating over some great and moving inspiration that may unlock puzzles and break down barriers and leap over the impossible.

Your world will become larger…your mind more fruitful…your time well spent. Muse awhile every day and you may meet with some new retirement revelation.

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

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

 

How to Organize an Outdoor Event for Senior Citizens by Salma Owais

July 9, 2013 by · Leave a Comment
Filed under: Articles 

 Planning an event for senior citizens can be tricky especially if you do not belong to their age group. But if you are close to your parents, grand parents or uncles and aunts you can find different ways to make arrangements for such an event. Usually people become more emotional and touchy when they reach their retirement age and require extra attention. So if you are given the task of arranging an event for them you should know a few things about people of that age group before arranging the event. So before arranging any event like a reunion, a retirement party or even golden jubilee anniversary of a couple note down a few things and make the arrangements accordingly.

  • Search for good and well reputed event Rental Company so you can get good quality equipment for the event. You can find plenty of them on the internet. It would be better if you select the service near you.
  • Having a theme for a party can make it more attractive and interesting, but it is very obvious that you do not need to have a very adventurous and different theme. You need to create a decent and sophisticated ambiance for the gathering but it should not be too dull and boring. So go for a suitable theme. For example you can pick a theme of an old Hollywood movie of their era.
  • Although senior citizens are usually not very busy and have plenty of free time but it would still be better to arrange their event during the day so they can wind up early and go home to rest.
  • Venue should be nearby so they can reach the place easily in time.
  • Your event rental company may have stylish and well designed furniture but for senior citizens comfort comes first. Make sure that the sofas and chairs are comfortable enough for them.
  • There should be an adequate number of tables available with their seats so the guests do not have to look for a place put their belongings like purses, hats etc.
  • Keep the age group in mind before selecting the menu. Most seniors are not permitted to have rich or spicy food, so select food for them accordingly.
  • While serving alcohol keep an eye on the guests and make sure nobody gets more alcohol than they should.
  • Games can make any party more enjoyable; you can arrange bingo for the guests. ‘Play name that tune’ would also be a good option for them. You can play the music of an old song from their teenage era and let them guess the song. This will take them back to their days of youth.
  • Always keep medical help readily available when you arrange such an event, because excitement can sometimes cause medical emergencies in seniors.

 

For more information on Event rental culver-city visit hollywoodeventrentals.com

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

 

Senior Citizens Can Benefit From Network Marketing by Irene Mori

July 8, 2013 by · Leave a Comment
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Senior citizens can seldom make it on a small fixed income such as only social security. Most must have or probably have additional retirement income of some sort such as from past employment, IRA’s, or other retirement vehicles and savings. That may not be enough to offer a secure retirement in their winter years. Earning money is important even to the older generation.

There are many seniors who are working menial jobs in retail or fast food outlets. Although they may be working partly for the social aspect and to keep themselves active, many need that small amount of extra money they are able to earn to supplement their social security benefits. Their cost of living may have decreased, but their medical expenses and prescriptions have likely increased in their later years.

Even the wealthy often work well past the normal retirement age just to keep busy and engaged. Business executives may stay in the work force longer now than in previous years. They may choose to work into their eighties and nineties in some cases. Some do not need the money, but they keep earning.

For those who want to make some money but want to keep their freedom, the network marketing (MLM or multi-level marketing) industry offers people the chance to have a home based business for a small outlay of capital. It gives anyone the opportunity to find financial success through hard work and dedicated effort. Although most people who start a network marketing business never make any substantial money at it, there are senior citizens who are among the leaders in the industry who are finding or have found true financial success. Some had never previously been involved in network marketing until they became senior citizens.

The older generation can find good benefits from many of the products sold through network marketing. There are many health products sold through this medium which might prove beneficial to their health. Liquid nutritional supplements are being sold in increasing numbers as are various vitamins. Cosmetics and skin care products have been marketed through MLM for decades and continue to do so. Many have added anti-aging products to their lines. These products are of interest to those who do not want to look old. They may still feel young and vibrant which makes them want to appear younger than they actually are.

Network marketing allows people to work at their own pace and have their own schedule. Those who want to earn lots of money spend lots of hours working at it to find the success they desire. Those who just want a little extra income can make it work.

Irene Mori invites you to check out http://www.moremlmsuccess.com for information on a home based business opportunity which has the potential to create life changing income with products which may be beneficial to your health.

If you are interested in emergency preparedness and food storage, visit this website: http://www.preparedforlife.net.

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

 

Senior Citizen Housing Choices Are Ready For Today’s Baby Boomer Retirees by Susan Elizabeth

July 3, 2013 by · Leave a Comment
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When it comes time to retire from work, there are some significant choices that you will need to make. One of them is whether you will continue to get up at the same time in the morning as when you had to go to work. Most people opt to not get up as early, but some still like doing that because it is such a habit.

Another choice is about where you want to live after retirement. It isn’t like anyone is saying you have to leave your house if you don’t want to, but many people think that finding an alternative kind of senior citizen housing is more appropriate than where they currently live.

There are so many baby boomers who are retiring right now, that there has been kind of a boom in the amount of places available for seniors to live in. There are a great amount of active retirement communities and assisted living facilities and even more and more nursing homes for people who need a lot of extra help.

But as far as where you are supposed to live, that is something that is completely up to the individual. And that kind of choice is one of the big characteristics of baby boomers; expecting to have a large amount of choice over their lives. That idea of being in charge of your own life certainly has not changed appreciably in any way since back when the boomers were in college.

In general, there are three choices in senior housing. These are identified by the amount of extra nursing and personal care that the residents require throughout the day. The active senior communities are where the folks live who need the least amount of extra personal care during the day. These are often based around sports like golf or tennis and have very active people living there.

The nursing home setups are where the people live who need the most extra assistance. These are staffed by nurses and doctors 24 hours a day and the people who live there need the most amount of extra care during the day.

In the middle are the assisted living facilities where people who need just a small amount of extra personal or nursing care live. This can be a place like a senior apartment complex or an entire community full of small homes where the residents live.

But no matter what amount of extra assistance a person needs after retirement, the internet can certainly help you find the best senior citizen housing option for you and your particular situation.

Susan is a full fledged baby boomer and avid internet researcher who writes about senior retirement communities and other baby boomer topics on her site at www.second50years.com.

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

 

A Senior Citizen Community For The Perfect Retirement by Susan Elizabeth

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

Many times when people think about retiring from the world of the working, they are left wondering what their options are. For some, what really works out the best for them is o live with one of their children. This is not as common as it used to be, but is still a popular option.

For others, the best choice might be to consider moving to a senior citizen community. There are few kinds of these and most of the difference depends on what you like to do after you retire and move there.

Most of these retirement communities require that you buy a property there. In some there are standalone houses and in others, condos or apartments. But for the most part it is like buying a home anywhere, you need to deal with an agent onsite and have a closing and that kind of legal stuff.

Often, this transaction can be taken care of right there onsite. And some of the communities even have their own financing options through a lender so that once you sign up, the details of the buying the property are taken care of all at once.

They are not all like this, of course, but the days of consolidation are here and sometimes it is just so much easier to deal with one or two people rather than having to go trekking all around town to put all the parts of a deal together.

Some retirement communities feature their activities very heavily. And often these are participant sports like horseback riding or golf or tennis. There is no reason why you have to be interested in those particular things in order to have a residence there. It’s just that if the entire community is centered around that one idea, then you might feel out of place sometimes if that one idea is of no interest to you at all.

Many times, the senior retirement facilities are places that feature very little activity and in these cases living there is a lot like living anywhere else. Neighbors around you all interested in different things in their lives and going to the community center for special events every once in a while.

The big difference, though is that by choosing to live in senior community, you are pretty much limiting your choice of neighbors by age group. And if it suits you that all your neighbors are going to be of retirement age, then a senior citizen community might be the perfect place for you to spend your retirement years.

Susan is a full fledged baby boomer and avid internet researcher who writes about senior retirement communities and other baby boomer topics on her site at www.second50years.com.

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

 

Starting a Home Based Business – A Consideration For Senior Citizen Retirees by Jed Tooke

June 21, 2013 by · Comments Off on Starting a Home Based Business – A Consideration For Senior Citizen Retirees by Jed Tooke
Filed under: Articles 

Who needs to consider starting a home based business? The answer is YOU and the overwhelming majority of people, due to the Recession. However, in particular and one of the most vulnerable to the affects of the Recession are senior citizen retirees.

Many individuals from age 55 and above who are retired and receiving Social Security or a company pension may have to come out of retirement and find a job. Retired senior citizens face a huge challenge when competing for jobs against those who are younger. Retirees do not want to cut back their lifestyle at this stage of the game.

Recently, a study done by Charles Schwab & Co. estimates that a large number of senior citizen retirees in the United States are considering returning to the workforce on at least a part-time basis.

What Can Senior Citizens do about it?

Since older job seekers, especially those who have been out of the workforce in the recent past will have a difficult time competing. The best option is to start a home business on the Internet.

They need to prepare themselves with the necessary information and skills needed to accept the challenge of starting a business on the Internet. If some retirees already have the needed technical skills and resources they are good to go.

For those who do not, I encourage you to first purchase a state-of-the-art computer and learn basic computer and Internet skills. That can be done by way of the thousands of free online tutorials. You will most likely need a mentor, friend or some other person to guide you from beginning to end. Do not let the idea of training and learning something new cause you to give up. Also, neither age nor gender is a factor in this industry; it is open to everyone.

In addition to those resources, you will need be self-disciplined and self-motivated to get started with building a home business and ultimately become financially secure. If doing it on a part-time basis is sufficient to supplement your income, all well and good. However, you should know that there is no limit on the amount of income you can generate, either part-time or full-time.

Also, for those who think you can simply join a home business opportunity, promote it for a couple of weeks and expect to get rich, is not reality. Dismiss that idea and do it the right way. If you join a legitimate home business opportunity, you will be on the road to starting a home based business and ultimately, financial freedom.

Learn the real truth about starting a home based business [http://homebasedbusinessteam.com/03/starting-a-home-based-business-4/] working with a team. Discover how working with a team in building a business for you that yields residual income which means independence and financial freedom.

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

Senior Citizens and Cell Phones by John Dondero

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

As I speak to more operators and administrators of independent and assisted living facilities in regards to their telephone infrastructure strategy. It is clear that they are no longer providing telephone service as a standard amenity in their homes. This is for two main reasons; First they don’t want to have the hassle of billing like they are a phone company. Also, with all the phone options available today, senior citizens are also taking advantage of cable telephone, VoIP and cellular options. In fact, much like their grandchildren seniors in retirement communities are choosing to only use cellular service instead of having a landline or both. When I first started my sales career fifteen years ago middle aged people would come in and complain about how complicated the cutting edge bag phone and flip phones were. I sometimes laugh at this now because comparing those phones to the Palms, Blackberrys and iPhones of today is like comparing telegraph to the touch tone phone. However, companies like Jitterbug Cellular Phones are focusing on the senior citizen niche and making simple cell phones because not everyone needs a computer in their pocket.

The Jitterbug J, may be the perfect option for seniors wanting independence or who are living in independent and assisted living facilities. It can give their families who are always worried about eldercare, peace of mind, because they know it’s a phone simple enough for their elderly parents to use. We will look at what makes this generation of phone different?

The Jitterbug J, “the phone for everyone,” starts with a large bright color display that uses a large easy to read font with clarity. The keypad has large roomy backlit buttons that are laid out for easy dialing for the elderly. The earphone eliminates background noise, has a dial tone similar to landlines similar to landlines when you open the phone with a powerful speaker. The phone eliminates confusing menus and only requires a yes or a no. They offer 24/7 U.S. based customer service and operators who can update the phone book, connect calls and provide directory assistance.

The rate plans start at $14.99 per month and offer upgrades like the Jitterbug Complete Care Bundle. The bundle provides roadside assistance, handset replacement and Jitterbug LiveNurse through a partnership with FONEMED. LiveNurse gives loved ones 24/7 access to registered nurses in English or Spanish. They can assist in connecting them to a large pre-recorded health information library with current information on a variety of topics. The nurses can also help document a users personal health history.

With technology simplified, better customer service, and cheap and easy billing, it’s no wonder more seniors are using cell phones with assistive technologies for safety and security.

John Dondero has spent ten years in the medical equipment industry. He has sold radiology systems to hospitals, medical hardware and software, and now RFID devices including Senior Safety equipment to Senior Living facilities.

To find more information on senior or family safety and security issues, please visit [http://www.silverlifechoices.com]

for more information on the Jitterbug J please visit [http://silverlifechoices.com/jjitterbug.aspx]

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

 

What Options Are Available to Keep Senior Citizens Safe and Independent in Their Own Home? by Michelle M. Kelly

June 18, 2013 by · Leave a Comment
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There are many options available that can help keep senior citizens safe and secure in their own home while also helping to keep them independent of nursing home facilities, retirement homes and other less personal alternatives. These options can be used independently or in conjunction to customize a solution that makes the most sense in your particular situation.

1) Automated Medical Alert Pendants / Necklaces — Many monitored services are available out there that offer a personal medical alert pendant or necklace that can be worn around the neck and in the event of an emergency (medical, police or fire), the authorities can be signaled at the touch of a button and help can be on its way. When monitored by a security company, this becomes a very valuable piece of equipment and can safe the live of your loved one.

2) Automated Wristwatch Medical Alert — Much like the above option, the personal medical alert watches act in the same manner. The difference is that the watch is worn around the wrist, rather than around the neck. Other than that, the functionality is identical.

3) Medical Alert Bracelets or Necklaces — These are just like ID bracelets or dog tags and list allergies or medical conditions so that if the authorities arrive after an emergency they know how to treat you or your loved one without causing additional problems. This option does not alert the authorities – just gives them more information when they arrive on the scene.

4) A Home Security System — A Traditional Home Security System is great for senior citizens as well. In the event of an intruder, fire or even a Carbon Monoxide leak, a signal can be passed to a central monitoring station for immediate investigation and dispatch. Also, depending upon the options selected with your security system, you can have a Two Way Voice component where 24 hours a day / 7 days a week / 365 days a year, you can talk directly with a live security representative from your alarm panel in the event of an emergency. Also, there are typically Police, Fire and Medical panic buttons on the alarm panels for immediate signaling to the monitoring center.

5) Programmable Keychain Remotes — If you would prefer not to wear a pendant or wristwatch, but would like to know that help is just a button push away, keychain remotes that come with the home security systems, can be programmed to have the panic button signal medical personnel in the event of an emergency, rather than police, which is the default setting. If this option would better suit you, you can discuss your needs with your security company to find the best solution.

The reality of the situation is that you will probably want to consider multiple solutions above since many of these items work together to help protect your loves ones in a myriad of ways. A recommendation would be to decide on whether you would prefer a medical pendant, a wristwatch or a programmable remote for your one push medical alert solution and couple this with the monitoring from your security system. From there, the only question is whether or not you would also like to have a bracelet or other ID indicating any allergies or illnesses in case of emergency. Or you can simply attach this information to your pendant or wristwatch so that everything is in one place.

Security Monitoring prices and packages can vary, but for around $40 per month – some packages are less and some are more, you can have whole house protection along with medical. The peace of mind that comes along with this package is included for no additional charge – regardless of the security vendor that you select. Plus you can save up to 20% on your Homeowners Insurance, which can negate some or all of your monthly monitoring charge.

Regardless, this is a much cheaper alternative to nursing homes or retirement homes and you can keep your elderly loved ones happy, independent and safe in the process.

Don’t wait – Get Protection Today – You Won’t Regret the Decision!
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1-866-850-3814

Article Source: http://EzineArticles.com/?expert=Michelle_M._Kelly

Grants for Senior Citizens: Why Apply? by Erin Millano

June 13, 2013 by · Leave a Comment
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The crisis-stricken global economy of our era has affected all people, even our seniors, too.

Retirement fund, whether invested in stocks, stored in the banks, or simply piled up in their safety vaults, has been much affected by the global crash. Most of which is spent to augment their emergency and urgent needs. This leaves them with nothing but literally crumbs of bread. Some cling to the vague hope of finding a home that will sufficiently and trouble-freely provide their every need.

But let’s face it, even the shelters for seniors nowadays are finding a hard time making both ends meet with the limited supply of finances they hold. They, too, are vulnerable to the economy as much as the elderly whom they are catering to.

The point here is that, no matter how non-profit organizations give their services for free, they still have to pay for what they give. And there lies the rub. In one way or another, somebody has to ask for help to supplement the elders’ needs. But the good news here is not only the shelter can ask for help, even the elderly are capable of it. All it takes is a bit of cunning to convince charitable companies and government units, and some guts to do it.

Never mind if you don’t have the writing prowess to jot a proposal, somebody else can take care of it.

So, are you too old to find ways to support your needs? Or are you too cliché of an organization to ask for support from the federal government and other agencies? Think again. For non-profit organizations, all it takes is determination, a will to sustain your noble cause in order to find ways for it. As for the seniors, all it takes is a handful of grit, a will to live your sunset days untroubled. Then let the rest take care of itself.

Or if you’re still doubtful whether there is an agency out there that will choose giving their charities to you than to a thousand others, here’s one advice: If you believe you deserve the assistance, just ask. Again just ask. There are people who are specially tasked to write a convincing grants proposal for senior citizens.

The government is spending millions of dollars for grants, mentioning aside what non-government agencies shed for it. If you believe there isn’t enough for you, rethink about it. Your only task here is to believe that you deserve a grant, and that you are fortunate enough that there are people out there who are willing to give them to you, and that senior citizens also have the right to quality life.

The grant for senior citizens, you see, is a privilege just waiting for any deserving person who has the courage enough to request for it. Now if that person is you, why have second thoughts? No one has been too old to be able to pose an appeal for a better life.

Mind you, more than enough are willing to help those who send their proposals.

Erin Millano has always been passionate to improve the quality of life of marginalized, low-income individuals, and families. She is a lobbyist, freelance photojournalist, and proposal writer.

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

Online Home Business is a Good Alternative For Senior Citizens That Still Want to Work by Per Fossum

June 11, 2013 by · Leave a Comment
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Most people looking forward to the day they become senior citizens and the right to enjoy every day. Many do this as well, especially those who have put aside a lot of money for the retirement existence, have a holiday house boat, like to travel or engage in other forms of leisure life and activities.

But, what about those who have not put aside money or do not have any of the other things? For these people, there will be a lot of sitting home and watching TV. One day is equal to the second and with little variation. After a time they want a work again.

To find a job in retirement is not easy, unless you are expert in a field and can start up the service with this in one form or another. For example, information and training, repairs, etc.

Internet business from home can be a good solution, but the problem is that many of these newly established senior citizens have no experience with PC or the Internet. For these are the first to familiarize themselves with basic computer usage and internet through books or courses. If this is right for them, they can invest in a PC and do an Internet connection.

We have learned from the past that we should have patience and not go too fast forward in many different contexts. This applies also to build an online business.

To build up an online business is like going up a ladder, you have to take one step at a time and not try to skip a step. Then you can fall down and have to start over again. I hope you understand the comparison.

Many Senior Citizens and older people have here some problems versus younger people. Most forgets faster, hear and do not look so good anymore and they do not work as quickly as before. Therefore also use the slightly longer time to learn things. They have simply not sufficient time to have patience. They want to get started as soon as possible.

It is then better to buy services in order to get things done, and it is perhaps much better. But, be wise. . . be careful.

Seniors are often targeted by criminals because it can sometimes be easier to gain the trust of a senior, and also because the older ones probably have set aside savings and thus become a more lucrative target.

It can be helpful to keep some of the following tips in mind to help you or your loved one protected against scams and frauds, especially when shopping or working online.

For those seniors who need to make money, considering starting an online business opportunity program, here are some tips.

You do not have to pay hundreds of dollars for nothing! Any company looking for a great deal of money from you to do business, you should stay away completely!

You are strongly urged not to make a move on any kind of internet marketing opportunity that requires the outlay of that kind of money.

Most internet opportunities can be up and running for only a few hundred dollars in a day or two and that would be a fairly big deal.

At last. . . As I said before, older people forget faster, so please try to remember this. If you sign up for a 30 day trial program for $1, then later, after 30 days, you will be charged for $25 per month,

Do not forget to cancel if you do not want to continue.

Per Fossum is from Norway and a former Forex trader.After his retirement,he moved to Thailand where he works with his own online Home Business.
Made his website from Site Sell.

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

 

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

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

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

Boomers Against The Law

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

Seniors Talk Policy And Politics

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

Age Against The Machine: Anti-Ageism

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

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

June 4, 2013 by · Leave a Comment
Filed under: Articles 

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

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

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

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

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

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

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

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

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

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

Senior Citizens Can Have a Home Based Business by Irene Mori

June 3, 2013 by · Leave a Comment
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In this day and age when more senior citizens are finding it difficult to manage with the retirement funds at their disposal, many are seeking outside employment after leaving the regular workforce. They may find themselves greeting customers at a Walmart store, helping people find products at Home Depot, or sweeping floors at a McDonald’s or another fast food restaurant. While it may seem sad to think of older people doing these seemingly menial jobs, some people enjoy the work as they earn a little money to help pay expenses. They feel some sense of fulfillment as they interact with other people in what might otherwise be a dreary life alone in some cases. Some seniors just like being able to get out of the house as they do something meaningful.

There are many seniors who may need extra money but who are reluctant to go to a retail or eating establishment to seek employment. These are the people who just might do well with a home based business of some kind. There are many types of work which people can do in the comfort of their own home without having to dress up, drive somewhere, and see people.

It is important that a person research the opportunity and try to make very sure that it is not a scam. Often it is difficult to tell the good from the bad, but it helps if someone can personally verify that the opportunity is real and that it is possible to earn money with it. There are too many scams which are taking away the hard earned money of senior citizens who may ill afford to lose it. Dishonest people with no scruples are preying on vulnerable older people.

Network marketing (also known as MLM or multi-level marketing) is an area in which some senior citizens, as well as all ages, are finding success. This is a business model which has been in existence for decades from the early days of giants like Amway. It is where people are supposed to help people and where they get paid on the efforts of others. It is a known fact that leveraging one’s efforts with the possibility of earning more is a more effective way of making money than simply being paid for only the efforts of yourself. This is the concept of network marketing.

There are perhaps hundreds of different MLM companies in existence. Some come into being and fall by the wayside quite quickly. Others have endured and become extremely successful. They sell all types of products with lotions and potions being very popular along with liquid nutritional supplements which are also plentiful in this area of business.

It is extremely easy to enter a network marketing company. It does not cost much to become involved. Regular purchases are required. Earning money at it is difficult, but it can be done. Finding success in anything does require hard work and dedication. Indeed, there are many senior citizens who are finding success in network marketing.

Check out http://www.moremlmsuccess.com for information on a home based business opportunity which has the potential to create life changing income.

If you are interested in an opportunity in emergency preparedness and food storage, visit this website: http://www.preparedforlife.net

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

Life Insurance Planning for Senior Citizens by Natalie Aranda

May 31, 2013 by · Leave a Comment
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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

Computing For Senior Citizens by Mike Stancik

May 16, 2013 by · Leave a Comment
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For many people, computing is a tool that allows folks to have a hobby either  directly, for example, by getting information from the internet or indirectly,  i.e. a person likes to cook and therefore visits the Food Channel on line for  recipes. What about computing for seniors? What can a senior do with a computer  and the internet?

First of all, who are senior citizens? Many people are confused by the term  “senior”. Very often we see advertisements saying, for example, “Over 55 senior  discount available”. Others may think of “seniors” as folks at retirement age  which technically would be 62 to 65 years old and some think of seniors as  living in retirement homes. For the sake of this article I’m going to consider  “seniors” as being age 50 and older (in part because one can join American  Association of Retired People at age 50).

For some at any age, using a computer is a frightening undertaking,  unfortunately. It is, therefore, not unreasonable to think that seniors would  have an even more difficult time understanding computers and computing. For  myself (I am 60) I have been involved with computers since the days of the  Commodore 64 (around 1980) and even owned a TRS 80 Color computer from Radio  Shack (with an amazing 16K of memory)! For me using a computer is not so  daunting – not the same for many others however.

The difference between today and years gone by is that modern computers have  so many more applications available than ever. During the 80’s the computer  allowed us to do simple word processing and fool around with spread sheet  calculations as well as game playing. The 90’s gave us the internet and that  changed the way we thought about the usefulness of computers forever. Today we  have cell phones with operating systems that give us the world in a package we  can hold in one hand. Computers are also somewhat easier to use today (not  always!) since many applications are graphically driven and operated with mouse  click

How does this apply to seniors and how can seniors take advantage of the  computer world today? Let’s look at what seniors have available to them through  computing.

Social Networking: Facebook, MySpace or just simple emailing  is out there. They cost nothing, can be fun and informative and can keep seniors  connected with people going back to their high school years.

Blogging: A great way for seniors to express their interests  and spread the word. A blog does not have to be public and can be a great way to  share information with family and friends.

Article Publishing: Article publishing for seniors? (Wait a  minute – didn’t I tell you that I was a senior?!?). Why not is my answer.  Seniors have a life full of knowledge and experience that can be shared over  cyber space.

These are just a few examples why seniors should be involved in computing and  why they should own a computer. I’m sure that there are more reasons than those  mentioned, but, for the sake of space of this article I’ll leave you with  those.

What kind of system would be good for a senior to own? For a suggestion  please visit my website at wesavemoney4u.com/buyers-guide/seniors/

The author, Mike Stancik, has been computing for over 25 years. He also has a  degree in Digital Electronics and has designed and built his website  [http://wesavemoney4u.com]

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

Where Can You Find Employment For Senior Citizens? by Raymond Angus

May 15, 2013 by · Leave a Comment
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Are you trying to locate employment for senior citizens? Is it for yourself?  Has the staggering economy scared you?

Are your carefully laid plans for a pleasant tour, although perhaps not  royal, through your golden years seem to be stalling? Will employment for senior  citizens be the answer to your dilemma?

You are not alone? The same feeling is infecting your senior citizen neighbor  next door, your sixty year old friend down at the retirement center, your old  buddy in the bowling league and your aging sister in Buffalo.

The truth is, you have options! We all do. Too often, we seniors tend to feel  betrayed by our government and left to fend for ourselves at the mercy of an  indifferent panicking society. Scrub away those thoughts!

You are no different than the forty old accountant that was cut loose by his  business firm, or the thirty five year old new car salesman who is left to his  own devices. You are just older than them, but you have a lot more going for you  than they do. Most of their experiences and trained talents and skills are still  down the road in front of them. Yours are spread out in a panorama behind  you.

Look back at your life. Now is the best of times for you to make the things  you have learned over the years put you up in front of the growing crowd of  employment seekers. If you were to write down all you have experienced, dealt  with, learned from, overcame, and grown from, it would fill an entire library  shelf.

Do you think that from all of this knowledge and living you can find some  things that would increase the performance and productivity of an employers  business.

Do you realize that the sum of all your hands on training and acquired  talents and skills would be of great value to some employer?

There are wheelbarrow loads of gold nuggets kicking around in your head, my  friend. Grab hold of a few of them and transform them into that perfect job you  are now dreaming about.

It is not as hard to accomplish this as you may think!

Here is a valuable gem of knowledge and fact that should stir up the juices  inside of you.

Most vacant employment positions are not even advertised! Whoa! What does  this tell you?

There is no competition for these jobs outside of word of mouth. Why? There  are many reasons why this is so.

Maybe the job has not been defined by the manager yet, he knows that the need  exists but what will he call it? You can step in and give him a definition. Do  some advance homework.

A harried business owner is overworked and wishing for a fairy godmother to  wave her wand and provide the perfect assistant. Check out the company and tell  him how much easier you can make his life, and earn him more profit as a  byproduct.

You read an item in the newspaper, or saw it on the TV news, about a business  making substantial growth spurts. That is your cue!

Call the company and inform them all the things you can do for them, and let  them know you will be stopping by tomorrow, would he or she have time to spend a  few moments with you.

Where can you look for employment for senior citizens? In your own head! Take  advantage of your own experience and skills.

There are jobs out there waiting for you. Be creative and bold. It will  happen!

Raymond Angus is the author of http://www.TheSeniorsLife.com. He writes about how fellow  seniors find work in today’s economy. Do you want to know where the seniors’  jobs are and how to get one? Go to http://www.TheSeniorsLife.com and click on  employment/jobs/retirees.

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

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Senior Citizen Assisted Living Facilities by David Crumrine

May 15, 2013 by · Leave a Comment
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Assisted living is an alternative living arrangement for senior citizens requiring moderate elder care, including help with activities like eating, getting dressed, bathing, and using the bathroom as opposed to the more intensive care provided in nursing homes. This type of care serves as an intermediate between in home care for the elderly and the elder care provided by a nursing home. Facilities for this type of living may be in connection with retirement communities, nursing homes, home health care agencies, or complexes for senior citizens, or they may be separate facilities. This type of elder care is known by many names, such as residential care, board and care, congregate care, and personal care.

Assisted Living Facilities

When looking for an assisted living facility, you can usually expect to have your own room or apartment, provided meals, a staff of caregivers for support, and some or all of the following services:

  • housekeeping and laundry
  • security
  • recreational activities and exercise
  • transportation
  • guidance and monitoring of health care
  • reminders about or help taking medication
  • support with dressing, bathing, and eating

Choosing the Right Assisted Living Community

 

With these ideas in mind, it is important to choose the right facility for you. Each facility may have different ideologies of caring for the elderly, so not every facility may be a match for the kind of care and services you are looking for. When searching for elder care in an assisted living facility, there are a number of ways to determine whether a certain place will provide you with the comfort, security, and level of care you need:

  • Think about your future needs and determine whether the facility can provide the right kind of care for those needs.
  • Figure out whether the facility is near family, friends, and shopping centers or other businesses you’d like to walk to.
  • Are there admission and retention policies that do not allow people with severe cognitive impairments or physical disabilities to live there?
  • Is there a written statement of the philosophy of elder care of the facility, and do you agree with it?
  • Make more than one trip to each facility you are considering, sometimes unannounced.
  • Try to make some of those trips during mealtimes to check out the quality of food and service to the residents.
  • Take note of interactions between residents and those providing the elder care.
  • Ask whether each facility offers social, recreational, and spiritual activities based on your interests.
  • Talk to residents.
  • Find out what kind of training caregivers receive and how often they are trained.
  • Review state licensing reports.

Researching Assisted Living Centers

 

If you have concerns after performing some of the preceding suggestions-or if you would simply like to be thorough in your search-you may also wish to consider the following:

  • Call your state’s long-term care ombudsman as well as the local Better Business Bureau to ask about recently issued complaints against the facilities you are considering.
  • If a facility is connected to a nursing home or home health care agency, you may want to find out more its counterpart. You can find information about nursing homes on the Medicare website (www.medicare.gov/nhcompare/home.asp).

Assisted Living Financial Considerations for Seniors

 

Another aspect of assisted living facilities to consider is cost. Assisted living is generally less expensive than nursing home care, but more expensive the in home care for the elderly. The usual range is anywhere from $10,000 per year to over $50,000 per year, so it is important to know what you can afford and how much each facility costs. Another thing to know is that there may be fees not included in the basic rate. It will be helpful to figure out how much extra you will have to pay to live in a certain home.

Insurance may help cover some of these costs, but usually charges are covered primarily by the senior citizens who decide to live in these residences or family members responsible for their elder care. Some facilities also offer financial assistance programs, which you may want to inquire about.

Medicare does not cover the costs of these residences or the elder care provided there. Medicaid-the joint federal and state program that helps senior citizens and people with disabilities pay for health care when they are unable to afford it-may cover the service component of assisted living in certain states.

It is important to consider the different options in elder care. If cost is a concern, it may be helpful to consider in home care for senior citizens. This type of elder care may provide sufficient care for your needs in the comfort of your own home. If the degree of elder care provided by in home care or an assisted living facility does not meet your needs, consider a nursing home.

The Caring Space http://www.TheCaringSpace.com

David Crumrine at the Caring Space We are an organization that connects caregivers and care seekers, providing an easy and affordable resource for families seeking care for friends/loved ones and caregivers seeking employment.

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

Incremental Retirement – Sensible Advice For Senior Citizens by Jerry Elrod

May 15, 2013 by · Leave a Comment
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Many senior citizens just won’t retire. They are ambitiously alive. They stay  busy. They love what they do. They are not putting off retirement because of  economic issues. They either own their business or are in a situation in which  their business gives them so much permission that the business can do quite well  without them. That is, of course, a fortunate place to be. They are in  incremental retirement. They are doing it in stages. For the most part, they  don’t keep rigid or strict hours. They are fully aware of what’s going on in  their business or their lives, but they don’t obsess over it. An acquaintance  is, at 70, building a new office and expanding his business. It is not to “make  more money” for himself. He gives it all away to his family and causes he  believes in.

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

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

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

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

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

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

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

 

Marketing Real Estate to Senior Citizen Buyers by Marte Cliff

May 9, 2013 by · Leave a Comment
Filed under: Articles 

Have you noticed? Senior citizens aren’t as old as they used to be. At least  some aren’t. And that means you cannot market to all seniors in the same  way.

Senior buyers come in two varieties. The first are those who are actually  suffering from the ravages of age – and are only too happy to tell you all about  it. They’ll give you a list of ailments and things they can no longer do, so  your job in finding them a home is a bit more straightforward.

You can openly discuss issues like stairways, counter heights, doorway  widths, and space to install grab bars in the bathroom. They’ll tell you what  they need and want so you can go out and find it for them.

When you’re selling to this group, go preview homes before you take them  along.

When people are having a hard time getting around, need a wheelchair or  walker, or are just unsteady on their feet, they don’t need to be dragged around  looking at all the wrong homes. They won’t appreciate you wasting their energy  by showing them homes that are obviously wrong.

So pay careful attention to their needs, and if you eliminate a house they’ve  asked about, tell them why. It might be because the bathrooms and bedrooms are  on the second floor and the laundry room is in the basement – or perhaps because  of steep steps leading to the house. Maybe the garage is too narrow to allow  them room to put a wheel chair in and out of the car, or the bathroom door is  too narrow for the wheel chair to get through.

Do your homework, tell them the straight facts, and you’ll earn their  loyalty.

This segment of the senior population may be focused on living within minutes  of a medical facility, and they’ll probably tell you which one.

But what about the second group? What about the ones who are  officially senior citizens, but have no intention of acknowledging the fact?

You’d do well not to mention the words “Senior citizen” in their  presence.

Instead, find out more about them and their lives. Many are still working, so  see if they want to locate near the workplace. After that, inquire about hobbies  and other leisure time activities. Your new seniors may be avid golfers, they  may want to hit the gym three days a week, they make require fast access to a  swimming pool, or perhaps want to locate near a boarding facility where they can  keep a horse.

They may even want a home with a bit of pasture so they can take care of that  horse themselves.

Don’t assume anything. Some seniors are anxious to leave yard care  behind so they can pursue other interests, while others have been waiting for  retirement to have time to landscape a yard and grow a huge garden.

Take the time to listen. Listening is important no matter who your  client is, but when you’re selling to senior citizens, you need to listen to the  subtle hints as well as the open statements.

Remember, in the back of their minds, they’re recognizing the possibility of  ill-health in the future. How could they avoid it, with the television and  newspapers shouting it at every turn?

They know that the day could be coming soon when they won’t be able to easily  navigate those stairways – and they know that a wheel chair could be a part of  their future. They may even have a secret fear of living too far from a medical  facility.

But many simply do not want to talk about that. So don’t bring it up  unless they do.

Selling to seniors isn’t really all that different from selling to anyone  else. Your job is to listen and pay  attention to what you hear. When you do  that with each and every customer and client you’ll be head and shoulders above  your competition – because listening is almost a lost art.

Marte Cliff is a Freelance Copywriter and former real estate broker who  specializes in writing for real estate and related industries.

Marte offers a free mini-course for Realtors trying to build a business, as  well as web copywriting and lead generation packages. Learn more about them at  http://www.copybymarte.com

Marte offers a weekly ezine for real estate professionals and others with an  interest in marketing themselves or their property. To subscribe, and get a copy  of her report: How to Get Referrals & Testimonials, visit her at http://www.marte-cliff.com

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

 

Viewing Our Senior Citizens As Part of History by John Harmer

May 2, 2013 by · Leave a Comment
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When we consider the activities and contributions by the senior members of  our society, we only look at them now. Yet they have been around for over 60  years. In that time they had seen, been part of, and shaped much of the world we  live in.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

IRS Back Tax Prevention Tips For Senior Citizens by Roni Deutch

May 2, 2013 by · Leave a Comment
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Make Work Pay Credit While the “making work pay” credit proposes it will  cut taxes for 95% of families, there is an interesting loophole for senior  citizens, which is causing some to end up with unforeseen back tax liabilities.  According to the law, non-working senior citizens-in addition to retired  railroad workers and disabled veterans-cannot claim the full credit. The problem  is that the credit automatically adds 6.25% of earned income to taxpayer’s  paychecks. Therefore, if you are a senior citizen who does not qualify for the  full credit, then you will need to make sure to change your withholdings to  prevent owing a tax debt at the end of the year.

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

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

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

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

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

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

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

 

Senior Citizens and Pets by Kay Catlett

April 29, 2013 by · Leave a Comment
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As baby-boomer pet parents reach retirement age it is common to think about  putting aside the dog collars, pet clothing and dog harnesses and retire from  being pet parents. This is especially common as a beloved pet may die. The usual  questions of a grieving pet owner are magnified by older pet owners. The only  real questions with younger owners concerns whether or not they miss the joy of  pet ownership and whether they still possess the desire to take on the  responsibility of another pet. As the pet parent ages, more questions have to be  asked. The age and health of the human along with whether or not the needs of  particular pets can be managed are the most important questions for aging pet  parents.

The primary question concerns whether or not a pet is beneficial for aging  people.

Many seniors crave and miss nurturing. Often, a lifetime of nurturing has  defined a person, first as a parent, friend, spouse or grandparent. With  children and grandchildren growing older, nurturing may no longer required on a  personal basis. Senior citizens may find the circle of friends narrowing as  interests change, people retire and move, and activities lessen. Having a pet to  nurture, and providing that pet with food, comfort, exercise, toys, play and  companionship can fill the void in a changing life.

As the years pass, people may find their lives boring and lonely. Having a  pet cat or dog can fill this void. Taking care of a pet can provide meaning and  provide positive feelings of caring for another being. A pet can provide  structure missed by people following the routine of working outside of the home.  Caring for a pet provides some structure: time to eat, time to play and go  outside, time to be combed, time for naps. At the same time, the pet parent has  a role: to take care of the pet. This sense of responsibility provides structure  as well as a sense of being needed.

Another plus for seniors to have dogs, is for the protection a dog can give.  Seniors are often prey for intruders since the resistance of a senior citizen is  perceived as being lower and often it is known that there are less people living  in the home. However with a dog, the fear of barking or being bitten inhibit the  activities of intruders to that home. Research shows that homes with barking  dogs are violated fewer times than homes without dogs. Dogs provide safety to  seniors.

Another benefit of a senior owning a dog is that it makes them more active.  Owning a dog will compel the senior to live a more active lifestyle then if they  are by themselves. The dog will need to go outside to use the bathroom; feeding  and grooming must take place. These simple activities will give the owner  exercise. Matching the activity needs of the pet to the activity level of the  owner is an important factor to consider in deciding what kind of pet or breed  is best for both the senior and the pet.

Aging pet parents need to think about the future of their pets as time goes  on. A plan for pet care should be arranged so that if a hospitalization is  necessary, or a period of recovery in the home should occur, the needs of the  pets need to be met in those circumstances. Pet care in the home of another,  kennel care or acquiring the assistance of others to provide assistance in the  home are all necessary elements of a pet care plan. Pet parents of every age,  but especially senior citizens need to investigate alternatives in the dire case  of having to give up the pet. This author strongly suggests that “no-kill” pet  shelters need to be listed in the plan in the direst situations.

Overall, a senior owning a pet is an excellent idea. Dogs and cats provide  excellent companions and safety to senior citizens. Studies show that seniors  with pets are happier and live longer then seniors without pets. Preparing the  home properly with crates, dog collars, cat harnesses and pet beds coupled with  preparing plans for all contingencies will make for happy seniors and their  happy pets.

Kay Catlett [http://www.PetCollarStoreAndMore.com]

I believe that as we are humane to our pets, they make us more human. My  online pet store has carefully selected products at competitive prices.

I welcome your input on what products you like and want me to  carry.

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

 

Senior Citizen Health Insurance – How to Make it Affordable? by Reina Raine

April 26, 2013 by · Leave a Comment
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Senior citizen health insurance becomes a necessity as Medicare alone might  be insufficient unless you have a good savings plan or 401K during working  years. Retirement is a time when you get away from the daily grind and do things  that you love to do. However, when you consider the cost of a senior citizen  health insurance plan and added medications versus the fixed income of the  retirees, the picture looks quite bleak. Why is senior citizen health insurance  so expensive to secure? Is there anything that can be done to help the situation?

Getting an insurance policy is paying against a calculated risk. People get  hurt or sick, and the insurance company takes this risk into consideration when  calculating the premium. The greater the risks, the higher the premium.

With increasing age, people are more susceptible to illness and injury.  Illnesses such as hypertension and diabetes require long term care and  medication, hence increasing the overall cost. Age is seen as a high risk factor  to the profitability of the insurance company. This results in the premiums for  senior citizen health insurance being higher.

However, there are some ways to help you prepare for this. When setting up  your 401K savings plan, make sure that you take into consideration both the cost  of living after retirement and the cost of health care. Include the projected  costs for the premium payments for the senior citizen health insurance.

Sign up for the plan prior to retirement as the plan will be less expensive  if you are younger at the beginning of the policy. Check the details to verify  that the plan covers everything that you want and is compatible with Medicare.  Your chosen plan should be supplemental to government provisions and is not  intended to replace them. Always read the policy carefully before signing the  acceptance of the policy.

While this may seem like an extreme expense, the additional coverage provided  by these policies is worth paying for considering the kind of expenses that  might be incurred.

When purchasing the senior citizen health insurance cover, shop around to get  the best possible rates and coverage for your needs.

To learn much more on other aspects of health insurance  [http://healthinsuranceconsiderations.com/] visit  healthinsuranceconsiderations.com where you will find information on how to find  affordable health insurance [http://healthinsuranceconsiderations.com/] and how  to ensure you get best value for your money.

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

 

Investing for Senior Citizen Retirement by JD Stratis

April 25, 2013 by · Leave a Comment
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Senior citizen retirement could be an extended way off for you or it may  represent something in the near future. Regardless of that amount of time, you  without a doubt, need to begin saving up for it at once. Even so, preserving  cash for retirement Is not what it used to be with the cost of living and the  un-stableness of government social security.

Lets begin by having a look at the senior citizen retirement plan provided  from your company. At one time, these programs were very well-grounded.  Nonetheless, after scandals such as Enron and all that came after, folks aren’t  as protected in their corporate retirement plans any longer. Whenever you decide  not to commit in the company’s senior citizen retirement plan, you do possess  other alternatives.

Initially, you could put money in stock markets, bond markets, mutual fund  markets, CDs, or money market accounts for your retirement. You don’t need to  express to anyone that your payoffs on these investment funds will be utilised  for senior citizen retirement. Simply allow the money to mature over time, and  once reliable investments achieve their maturity, reinvest them and proceed to  allow the revenue to grow.

You may also begin an Individual Retirement Account (IRA). IRAs are very  fashionable since the revenue isn’t assessed until you take out your cash. You  might as well be capable of deducting your IRA contributions from your taxations  that you owe. An individual senior citizen retirement account can be started at  most financial institutions.

A different common type of senior citizen retirement vehicle is the 401-k  plan. 401(ks) are commonly provided via employers, though you might be able to  begin a 401-k plan) on your own. You had better talk with a retirement planner  or accountant to assist you with this.

Whatever retirement investment you decide on, just be sure you decide on one!  Once more, don’t rely on social security, corporate senior citizen retirement  plans, or even an inheritance that might or might not materialize! Attend to  your financial future from investments done today.

JD Stratis is a contributor to Equity  Cash  North Americas premiere program for protecting your hard-earned equity  and creating Cash Flow with ZERO risk to your equity!

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

 

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

April 24, 2013 by · Leave a Comment
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Jobs for senior citizens are very popular among those who want to be active  even after retirement. However, are there any opportunities really available for  such people? There are quite a lot of jobs available but you will have to be  very careful about the option you select and will have to think twice before  taking any decisions. Depending on your professional profile you will be able to  find an opportunity that will be suitable for you. This would be a great way to  earn a living and be active even after retiring from your regular job.

Select an Opportunity that is Suitable for You

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

A Few Things to Think About

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

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

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

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

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

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

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

Opportunities Available

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

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

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

 

Senior Citizens Can Become Great Customers by Michael McCann

April 23, 2013 by · Leave a Comment
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If you think the senior citizen market isn’t dynamic, then you’re really out  of touch with marketing. Thirty-five percent of our population is over 55 years  old, and these very affluent seniors control almost 45 percent of the disposable  income of our country.

Neither Madison Avenue nor the advertising agency down the block takes this  group seriously, and as a result, the market is virtually untapped. Here are  four suggestions on how to target your business efforts to penetrate this  market.

o Gain an understanding of this large market… Throw out  everything you ever heard about the over-55 group. These people are vibrant and  full of life. They are looking for new ideas, challenges, and new and innovative  ways to enjoy life. Thanks to Social Security, wise investing and good  retirement plans, they have the money to pay for what they want. Most senior  citizens want what you want: health, happiness and security. Many want  excitement, romance and adventure. They want to maintain close ties with their  children and grandchildren.

o Target products and services… Yes, senior citizens want to  know about cruise ships, vitamins and wheelchairs, but so do thousands of people  under 55.

The difference is that seniors are looking for solutions to problems. They  want to make their life easier and more enjoyable, and they have the money to  pay for the services and products that can help them achieve these goals. If  your product solves a specific problem, you will find this market is for  you.

o How to advertise to seniors… Forget the flowery phrases, cute  word plays and fast-action ads. Senior citizens want to know the facts and what  benefits those facts will provide for them.  Your products and services are just  the carrier of benefits, not benefits in themselves.

Seniors want to know how your offering will make life easier or better or  more fun. Problem solving is high on the list of benefits wanted, and proof of  claim is requirement. Straight talk is appreciated, and as usual, a picture is  worth a thousand words.

Two-step advertising works well in the senior market. Seniors have time, so  snap decisions are seldom made. Advertisements that offer more information work  especially well. Always be positive in your advertising, and never talk down to  your audience. Most seniors are a lot smarter than you or I.

o Things to avoid… It is not a good idea to sell marginal ideas  to senior citizens such as work-at-home projects and get-rich-quick business  schemes. The senior lobby had watchdog groups looking for scam artists, and  these two topics top the list of no-nos. Get on their list and you will find  your business in trouble.

If you’re looking for the best source of information as to how to advertise  to the senior market, read what they read. Buy some of the newsstand magazines  on retirement, vacations, travel, cooking or investing targeted toward seniors,  and read both the articles and the ads. Find copies of Modern Maturity.  This and other magazines and periodicals will provide valuable insight into how  to advertise to this lucrative market.

Make more money faster by easily connecting with hard-to-reach decision  makers who can buy your products and services…NOW! Get started free by getting  Michael McCann’s new Special Report excerpted from his newest edition of his  popular business development book, Connecting with Key Decision Makers (How to  Reach Hard-to-Reach Businesspeople Who Can Say “Yes”)…just for asking at http:/www.GlobalBusinessCafe.com/  http://Twitter.com/MikeHMcCann Go now!

Michael McCann is a 25-year veteran of developing unique and professional  business development programs that create tangible results for individuals and  companies. Let him help you instantly…free!

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Meeting and Socializing Locations For Senior Citizens by Padmanabha Vyasamoorthy

April 23, 2013 by · Leave a Comment
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As a person working for the welfare of senior citizens I am always interested  in meeting several of them in one place. Therefore I used to go to places where  they are normally seen in good numbers. I took the help of a web group called  sss-global and found out places where I can further explore looking for old  people. Here is a gist of my findings. They are given no specific order, because  categorization freezes free thinking!

o Senior Citizen Associations when they conduct regular meetings o Day  Care Centers attached to such SCAs o In the west, McDonald outfits offer  discounts to seniors in the morning hours and for early elderly lunchers:  therefore, McDonald outfits. o Alzheimer’s Day Care Centers o Retirement  Community Activity Rooms o Banks on first few days of the month to collect  pension o Parks in the evenings to while away time o Temples to bribe  Gods and to gossip and perhaps worship too! o Typical clubs and pubs to meet  friends; play cards; relax with a drink o Lectures planned for senior  citizens o Libraries to borrow / return or read books o Hospital out  patient geriatric wards for obvious reasons o Old Age Homes and retirement  facilities (senior homes) o Post Offices to deposit or collect pension or  interest income o On boulevards, parks, gardens, walking or jogging paths –  walkers o Locations where laughter club sessions are held o Near schools  waiting to collect grand children o Any bus or train bogie carrying  travelers on pilgrimage o Railway booking counters meant especially for  senior citizens o Any marriage function – not necessarily reception – is  full of oldies o Any Bhajan sessions, religious discourses

The listing will be useful to product or service providers for this age  group. Banks offering special FD schemes, Health Insurance companies, suppliers  of assistance devices etc to mention a few. If you can extend my listing I shall  be happy. If you reflect deeply upon the question: “What do senior citizens do?”  and try to answer “where” they do it in good numbers, I am getting  you!

Dr P Vyasamoorthy Retired Librarian turned Information Consultant. Specialist  in providing Information to Senior Citizens who are Indians or Indians living  abroad. Moderates a Web group for Senior Citizens in India for the past 8 years.  Web group: http://groups.yahoo.com/group/sss-global

He blogs at: http://vyasa-kaaranam-ketkadey.blogspot.com/ The posts in his blog are mostly his own writings dealing with retired peoples’  problems.

He has taken to writing recently for the past six months and writes in  Merinews, cplash, karmayog, Triond and other sites.

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How Much Have You Changed? A Dilemma For Senior Citizens by Jerry Elrod

April 19, 2013 by · Leave a Comment
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Now that you are 50 or 60 or 70 or so, how much have you changed? As a senior  citizen in retirement, do you still see yourself as you were 10 or more years  ago? What experiences, dramatic or subtle, have changed the mold you always saw  yourself fitting?

Here is an illustration giving proof that some people really don’t change  their patterns. A man in his early 70s is still acting out and living as if it  were 50 or more years ago. No change, no recognition of the need for it. Old  prejudices, bitter cynicism are the hallmarks of his life. Just as his outward  expressions reveal his inward retardation, he is being eaten alive by a terminal  illness. Is there anyway to get through to people who don’t even understand  themselves? How can exercise compassion and care and thoughtfulness for others,  if they don’t even see the need for those emotions within themselves?

This is an alert. It is time for aging senior citizens who have decided to  live in the boxed-in, never gonna change kind of existence, to either decide to  isolate themselves completely or change. Isolation is not desirable, at whatever  age. Punishing others by absenting yourself from the world going on around you  is only a punishment to yourself. It isn’t the rest of the world that has a  problem. It is you!

Resisting change is no indication of brilliance. It is instead, a sign of  insecurity, inability to cope, unwillingness to evolve. Do you really want to be  the way you have always been? Sounds comfortable, but at last it is an indicator  of disconnect. There are a lot of memories and joys from your past to which you  may cling. But, finally, one must admit they can’t remain forever a part of your  life and being. Right now, resolve to begin working hard on eliminating some of  the “things” which still hold you. There is a time for letting go.

It may be relatively easy, and certainly inevitable, to have to let go of  those “things.” It is more of a struggle to deal with the chains, as in Dickens’  Marley, which enslave us. Aging senior citizens may find a good read this Christmas in  “A Christmas Carol.” As you read it, reflect on how much like Marley or Ebenezer  you have become.

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

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Ways Senior Citizens Can Keep Young by Charice Louise

April 19, 2013 by · Leave a Comment
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No one wants to grow old before his or her time. There are some things senior  citizens can do that will keep them looking and feeling younger. Consider these  seven ways seniors can stay young.

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

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

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

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

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

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

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

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

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The Seasoned Senior Citizen By Irene Reynolds

April 16, 2013 by · Leave a Comment
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At what point does one consider themselves a senior citizen, age 60, 62 or  65. By definition a senior citizen is the condition or fact of being older which  carries with it an abundance of privileges.

At a given point of everyone’s life retirement kicks in, planning what to do  next with your life is a big step. Putting finances in place to continue  residing comfortably is a major fact.

Remember that gold watch your former employer presented to you at your  retirement party, hide it in the back of the drawer, you have quite a bit of  time left on the clock to enjoy your life. So research and discover all of the  financial rewards that are out there for you. Your buying power is greater than  you think.

Here are some known areas to save financially, they are privileges for the  active seasoned senior citizen.

1. Join a senior discount club and receive 50 to 70% off on massages,  facials, spas, classes of interest, tours, special events, movie tickets and  more.

2. Save pennies at the supermarket. Clipping coupons can be fun and a number  of manufacturers are set up to give you free samples of new product, seem on TV,  if you request it. Coupon clubs can bring new friendships your way also.

3. Lower your phone bill. There are several telephone units available that  gives you free phone service. Check the local electronic stores in your area.  These telephone units are generally plugged into the USB port of a computer and  you can chat forever, free.

4. Contact your lending institution and request to have your credit card  interest rate lowered. They will be eager to accommodate you and hold you as a  loyal customer.

5. Need a new cell phone, seniors can get a free cell phone for the asking.  Get on the internet, you’ll be surprised at what you will find.

6. Stop making monthly mortgage payment. Request information on reverse  mortgages. If you decide to travel this avenue, you will never have to make  another mortgage payment for the rest of your life. Investigate it  seriously.

7. Can’t afford designer fashions, did you know that local dry cleaners  donate great looking clothing to charitable businesses. These are items not  picked up by customers within the 30 to 60 days. They are priced reasonably for  resale and will save you money.

8. Fitness clubs are a definite. Reinvent yourself. Getting in shape will  give you energy to spare. Special rates are generally available for seniors and  it’s a great place to meet people.

9. Let someone else do the cooking. Restaurants have a discount senior  citizen menu which includes the same items that non-seniors can order. Eat out,  they would love to have you as their guest.

10.Buy items when they go on sale. The markup on merchandise is unrealistic.  Take the hint, wait for the sale or price match at several stores to get the  best deal.

Erase those concerns standing in your way and your golden senior retirement  days will be inexpensive, stress free and well.

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

 

How Senior Citizens Can Avoid Back Taxes Headache By Chintamani Abhyankar

April 16, 2013 by · Leave a Comment
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Recently, economic times have been tough on us all, but probably no tougher  on any other group than senior citizens.  Senior’s have seen their savings  shrink while their expenses rise and they need to be careful that all of this  does not catch them in a tricky tax situation, to boot.

Seniors need to watch out for the “Make Work Pay” credit.  This credit  proposes to reduce taxes for 95% of families while opening a loophole that can  suck in unaware seniors and leave them owing taxes they had no clue they would  owe.  Non-working senior citizens do not qualify for the credit even though  it may automatically add 6.25% to their withholding.  If such affected  seniors do not change their withholding, they can wind up owing at tax time.

There are specific procedures to determine whether your social security  payments are taxable or not.  Seniors need to know if their social security  income is taxable.  Failure to pay taxes owed on social security income can  result in IRS underpayment fines.  Those fines added on top of any tax owed  plus interest could soon become trouble for a senior on a fixed income at tax  time.

If you should have withholding taken from your pension disbursements depends  on many things, like your number of dependents, what status you file under,  additional sources of income, how many pension payments you receive, and your  personal exemptions.  If you need to withhold and you do not withhold  enough, you could face owing back taxes to the IRS.

Remember to take full advantage of all the exemptions and credits offered you  by the IRS.  Don’t miss any possible deduction of your total tax  liability.

If you are planning to get into your retirement account before age 60,  remember that you will face an additional 10% tax on the money you  withdraw.  The Roth IRA is an exception to this along with some  others.  Learn how you might avoid this tax before deciding to take the  money.

The best and easiest way to avoid the IRS back taxes as a senior citizen is –  have a tax professional prepare your income tax return.  Tax professionals  are trained and accredited and have the knowledge to work with you on your  particular tax obligations.  They will know the best methods of obtaining  every legitimate tax exemption, deduction, and credit you deserve.  They  will know how to help you avoid making any decisions that might lead to owing  the IRS back taxes.

Everybody has to pay tax in the US – senior citizens included. Sometimes due  to some misunderstanding about tax laws, senior citizens make mistakes in  calculating their tax liability. Naturally, IRS will follow them and try to  recover back taxes. In fact is, is easy for senior citizens to pay all their  taxes without any hassle. How they should handle their taxes? Chintamani  Abhyankar provides useful tips.

Chintamani Abhyankar, is a well known expert in the field of finance and  taxation for last 25 years. He has written many books explaining inside secrets  of the magic world of personal finance. His famous eBook Stop donating your  money to IRS [http://www.planningyourtax.com] which is now running in its second  edition, provides intricate knowledge and valuable tips on personal finance and  income tax.

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

 

Fill Your Life With Satisfaction – Eight Bonuses For Senior Citizens Activities By Jerry Elrod

April 16, 2013 by · Leave a Comment
Filed under: Articles 

2009 offers opportunities and activities for creating a life satisfying  series of days and moments. A year doesn’t happen all at once, even for senior  citizens who decry how rapidly time flies. The Senior Citizen age is an  everyday, minute at a time process. We surprise ourselves when we discover what  we can do with time. The first goal of a senior citizen is to make every day  productive.

So, here are some early New Year clues for filling life’s days with  satisfaction.

1. Convince yourself that being of Senior Citizen age is a plus. Plan daily  activities that under gird a positive attitude. Read books that enable your  being a positive person, engage in exercise that assists your health and  mobility. Look for one task to do that gives you a sense of accomplishment.

2. Identify one thing that you are exceptionally competent in doing. Do not  limit yourself to the ordinary, but stretch yourself to find something you might  have never considered undertaking: for men, how about knitting or cross  stitching; for women, being able to work on your car.

3. Set a goal of the number of books you will read within a month’s time.  Choose books you always told yourself you wanted to read.

4. Choose one volunteer activity per month that will give you a sense of  community and interactive pride. Find something that allows you to be with  persons whom you don’t normally identify as friends.

5. Work on your spirituality. Note, the word is spirituality, not religion.  Identify with some group, spiritual discipline, devotional exercise which will  enlarge sense of self worth.

6. Study your diet. Work with your spouse or significant other or a dietitian  to be sure you are eating well and assisting your health with healthy meal  planning.

7. If you need more to do, consider an unusual hobby. There are no limits on  solid and available opportunities.

8. Get a good night’s sleep! Recommended sleep is 8 hours per night.  Determine what schedule works best for you. Try not to vary it.

Finally, review your progress in meeting your goals to create a life  satisfying pattern for yourself. Keep a Journal so that you may evaluate your  progress or lack of it. In a few months, you will have created new, healthy  habits and activities which will contribute to your life’s satisfaction as a Senior  Citizen.

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

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

How to Find a College Grant If You’re a Senior Citizen by Edward J. Woods

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

The possibility of studying even in old age

We all undoubtedly understand the value of quality education especially in  this day and age. There is never such a thing as studying enough. There is  always something new that one can learn and that is why we are want to find out  whether it is possible to receive a college grant for senior citizens. The truth  of the matter is that it is very possible to get the college grant for senior  citizens. Some people sadly for them they think that senior persons are far  passed the capacity to undergo like the young people which is a very wrong  Norton. You may have invested your time and finances in your kids at an early  age and had to give up the idea of ever attending high level education however  this is the chance for you to realise your long awaited dream now that your kids  have attained their dreams.

Why would one go for the college grant for senior citizens?

Imagine yourself having kids and grandchildren. Imagine these kids all grown  up and taking care of you. Provided you with a beautiful house and paid for your  health insurance. You wouldn’t have to move a muscle in your anymore. It looks  like you might actually enjoy your retirement in perfectly good shape. So what  do you do with your newly found time? You might want venture into education,  perhaps do that course you have always wanted to do but could not o it due to  financial restrains and other responsibilities hence the college grants for  senior citizens comes in. you need to know that it is never too late. The truth  of the matter is that getting college grants for senior students is a lot  easier.

You realise that senior citizens have a greater chance of going back to  school compared to young kids directly from high school. And this is because  there are numerous state and online colleges that have quit comprehensive and  detailed degree programs specific for senior citizens and off course with  discounted tuition rates. The best thing about it is that there are college  grants for senior citizens hence you won’t have to worry about high costs given  that grants are not paid back to the donor, but are only given if the applicant  proves that he is worthy of the investment.

Government agencies and departments have offered tremendous support by  availing such facilities. At such a stage when getting college grants for the  senior citizens is a piece of cake, the only thing is to find out which school  you want to study in given the wide array of schools available and off course  the course that you want to pursue. The best way to hunt for a suitable school  of your choice is to go online. When applying for the college grant for senior  citizens you have to take note of the fact that there re requirements. For  instance a background check on your financial capabilities and restrains,  remember that financial is not given to anyone but anyone who have a limited  financial background but a passion for education and higher learning to be  exact.

If you think college is out of reach for you, for financial reasons, think  again. Find the best financial aid and grant opportunities at http://www.collegegrantsreview.com

Article Source: http://EzineArticles.com/?expert=Edward_J._Woods

Top Senior Citizen Web Sites For Whatever You Need by Maria Norton

April 12, 2013 by · Leave a Comment
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Senior citizen web sites number in the millions and cover nearly every topic  imaginable. Whether you want to find information on benefits, retirement  planning, travel, healthcare, transitioning to another state like Florida, or  even senior citizen sex, there are senior citizen web sites dedicated to the  topic.

One of the most popular sites on the internet for seniors is the  long-recognized American Association of Retired Persons. If you are looking for  any kind of information that is specific to seniors, then their site is an  excellent place to start. The site includes main categories of information like  health, money, leisure, family, and volunteering. You can find information on  discounts available to seniors on travel, dining, and other services. There is  also an online community on the website where you can interact with other  seniors. You can create your own online profile that tells a little about your  and then you can decide what groups you’d like to join based on common interests  and activities.

Or, you can find an incredible amount of information for seniors on the  federal government’s website for senior citizens’ resources at  usa.gov/Topics/Seniors.shtml. The site provides in-depth information and links  to some of the most popular senior citizen web sites on issues like money,  volunteering, health, housing, retirement, end-of-life issues and caregiving.  But the site also includes important information specific to the government such  as:

· Laws and regulations concerning seniors – things like the Age  Discrimination in Employment Act, and the laws relating to Social Security  Administration and Medicare.

· Consumer protection for seniors – information on elder rights, nursing home  advocates, and types of consumer fraud.

· Federal and State agencies for seniors – such as the Veterans’ Health  Administration, the Administration on Aging and the Employee Benefits Security  Administration.

· Information on benefits – the site provides information on disability and  other government benefit programs, as well as a tool to determine if you are  eligible for any benefits.

· Resources specifically for grandparents that are raising their  grandchildren – links to benefits and government assistance information, DHS  programs for Children and Families, and organizations like the National Center  on Grandparents Raising Children

Of course, travel sites are among some of the most popular sites on the web  for seniors. Some of these senior citizen web sites are some of the best for  travel options, both because of their reputation and because of the types of  travel options that they offer:

· Elderhostel is the all-round champ of educational tours for seniors. This  company concentrates on delving into the history and culture of locations in  both the US and abroad.

· ElderTreks – if you want a bit more of an adventure aspect to your travel,  then this company can help. They offer treks that include what they call ‘soft  adventure’ – nothing too extreme.

· Grand Circle Travel – this is a tour operating company that offers trips to  all age groups, but that definitely caters to seniors.

· Seniors at Sea – as you can probably tell from the title, this travel  company offers cruises designed with the senior in mind.

· Grand Travel – this unique travel company offers packages for grandparents  and grandchildren to enjoy together.

There is simply no end to senior citizen web sites and the range of topics  they cover. No matter what kind of information you’re seeking, you can find it  with a bit of patience and an internet connection.

Maria Norton is the creator of florida-retirement.net, a website designed for  those who are considering retiring to Florida or buying second homes there. She  is a licensed real estate broker and a 20 year veteran of the Relocation  Industry. She provides comprehensive, personalized & free, Florida  Relocation Services. She has also published 4 eBooks: A Guide to Establishing  Florida Residency, How to Create the Perfect Retirement, The Florida Beach Book & How to Buy a Second/Vacation Home in Florida, which are available on the  website. To get your copy of How To Create the Perfect Retirement visit her  website at http://www.florida-retirement.net.

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

Senior Citizens Can See The World With Travel Insurance By W Scott

April 12, 2013 by · Leave a Comment
Filed under: Articles 

Retirement age can be the golden age of your life! Your children have grown  up and are independent. You do not have a full-time job. There is nothing  holding you back. This is the time of your life to fulfill all your dreams of  traveling the world! There is virtually nothing holding you back!

Know The Ins And Outs Of Travel Insurance

Senior citizen travel insurance is vitally important when planning any trip.  A travel insurance policy helps to protect you against unforeseen circumstances,  such as trip cancellations. There are numerous travel insurance firms that offer  great packages for senior citizens who are 65 and older. There are even policies  these days that provide for those who are 50 and above.

Senior citizen travel insurance is provided in two formats; annual travel or  single trip coverage. Annual travel is ideal for individuals who take a variety  of vacations over the course of the year. Single trip coverage is, as the name  implies, for a single travel event. Coverage details vary from company to  company. Receive quotes from several different travel insurance companies.  Compare each policy in detail to find the one that suits individual needs at an  affordable price.

Choose An All Inclusive Travel Insurance Package

Senior citizen travel insurance packages provide overall coverage for low  risk individuals. A good senior citizen travel insurance package will include  coverage for luggage theft or loss. Some packages also provide cover for medical  costs, including medical assistance or emergency services, which may be incurred  while on holiday.

Be sure to review your travel insurance policy in full. Ensure that you  understand every aspect of your travel plan. It must provide full financial  protection for any mishap that occurs while on holiday.

Look Before You Leap!

It is always wise to carefully review each portion of a senior citizen travel  insurance policy. Do not feel rushed. Do not feel intimidated or overwhelmed.  This is an entitled right when reviewing any insurance policy. A travel  insurance policy is no different. Ensure each portion of the policy pertains to  individual travel coverage needs. In the event that it does not, move on to  another insurance policy or insurance agency.

An often unmentioned fact about insurance policies is that the document is  considered a legal agreement. This means that in a court of law the terms and  conditions presented in the policy are legally binding. Obtain clarification of  anything that is not easily understood up front. Ask as many questions as  necessary until all aspects of the travel insurance policy are clear. Anything  not understood should be clarified by an insurance agent. If an agent is not  willing to do so, simply find one who will.

Senior citizen travel insurance is not intended to restrict travel  intentions. Rather, it is a sound financial decision providing protection and  peace of mind for senior citizens. With policy in hand, a senior citizen is  ready to explore the four corners of the world.

William Scott has authored a number of articles on holiday insurance. His site http://HolidayInsuranceTips.com, offers further  information on selecting the right senior citizen travel insurance  [http://www.holidayinsurancetips.com/category/senior-citizen-travel-insurance]

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

Article Source: http://EzineArticles.com/1136039

Should You Send Your Elders to a Senior Citizen Home? By Cindy Heller

April 12, 2013 by · Leave a Comment
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Asking your elders to move to a senior citizen home can be a very complicated situation. Most elders dislike the idea as they prefer to stay at their old home. If the elders are suffering from Alzheimer’s, it may make the situation much simpler as their memory has lost gradually. In normal condition, it is often for children to enroll their parents or grandparents in one of these places under terrible feelings of guilt.

Unfortunately, sometimes senior citizen housing is the only choice that you have. You cannot leave your parents or grandparents alone at home where they may endanger themselves. There is no one who can take care of them or assist them as they start needing help to do certain activities that they used to be able to do by themselves. Many accidents have happened because people keep leaving their elders alone at home although they know that those elderly people cannot take care of themselves as they used to be.

The positive aspects of senior citizen home

When we pass our prime time and start becoming seniors, it can be a frustrating experience, especially if we need others to help us to do certain things. In today’s fast-paced world, it is common that children do not have enough time to take care of parents. Children are busy with works and other social events that they need to attend so they leave their elderly parents at home.

A good senior citizen home can be the solution for this issue. You can place your elders in one of these places so they will have experienced staffs to take care of them. Another positive aspect is that they will not be lonely because they can have a social life with other people of their own age. Senior citizen home also offers regular activities to its residents to avoid monotonous life. Loneliness is one of the most common problems for elders and this facility may have the answer for their problem.

The negative aspects of senior citizen home

If you think back how your parents have taken care of you when you were only a small boy, it is hard not to do the same thing for them. It can be a traumatic experience for the whole family to place their elders into one of these senior citizen homes. In addition, many elders, even if they cannot take care of themselves properly anymore, prefer to stay home and welcome death rather than moving into a senior citizen home. Therefore, in many occasion, children force their elders to move.

This is indeed a dilemmatic situation as it seems that elders do not have any rights anymore and they are being lowered to an object. Some elders feel that they are helpless and unloved, which is not the way people should feel for their remaining lives.

What alternatives that you have?

If you do not want to place your elders in a senior citizen home, you have a couple other alternatives. You can hire an au pair for your elders. You should understand that many au pairs come from developing countries so you will not be surprised when you try to find one. An au pair is a good addition to your household as she can help with daily activities of elders, such as preparing meals, serving, and bathing.

Hiring a geriatric care nurse, either part time or full time, is another alternative that you can consider. For both alternatives, you should make sure that you choose the right person who has experiences in taking care of elders and has compassion in doing her job. These alternatives can answer your problem so you do not need to place your elders in a senior citizen home.

Cindy Heller is a professional writer. Visit Senior Home Plan to learn more about senior citizen retirement home.

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

Boston-Area Over 55 Community Publishes Free Senior Living Guide

April 11, 2013 by · Leave a Comment
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Boston-Area Over 55 Community Publishes Free Senior Living Guide

Resource Helps Active Adults Untangle Their Senior Living Options
South Weymouth, MA — Mar 26, 2013 / (http://www.myprgenie.com) — The decision to move — whether to an over 55 community or other option — can be challenging. There are a lot of decisions to make. Sometimes, the choices available can seem confusing.
Fairing Way has created a free Senior Living Guide [www.FairingWay.org/LiveConfident] to help transitioning active adults make their decision with confidence. The guide explains:

  • The types of retirement living options and senior housing choices available — and most importantly, which works for you
  • How to set your priorities
  • Common financial considerations
  • The nine questions you must ask before you move
  • When and how to involve your family in the process
  • And much more!

The guide is available as a PDF on Fairing Way’s website. Active adults can download the free guide at www.FairingWay.org/LiveConfident.
While the Fairing Way Senior Living Guide does highlight a few area resources, the resource is not specific to the Boston market.
“Active adults everywhere are struggling with the same questions,” said Fairing Way Executive Director Joyce Haglund. “What options are available to me, or to my parents? What is right for our needs and desires? The Fairing Way Senior Living Guide helps those over 55 make the choice that’s best for them.”
Fairing Way is the Boston area’s newest over 55 community, located within the new SouthField live-work-play development. Sponsored and developed by established, local, not-for-profit leaders in senior living, Fairing Way offers distinctive apartments with flexible services in an intergenerational setting. Download the senior housing guide for free at http://www.FairingWay.org/LiveConfident.

AARP: George Davis Appointed AARP State President

April 11, 2013 by · Leave a Comment
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George Davis Appointed AARP State President

African-American Business Executive is Top Advocate for AARP’s 3.1 million members California

PASADENA, Calif., April 3, 2013 /PRNewswire-USNewswire/ — George Davis of Los Angeles, CA, has been appointed AARP California State President. Prior
to his appointment, Davis was acting state president and served for two
years on the state’s Executive Council, a five-member council that provides
direction and leadership in carrying out AARP’s strategic priorities in
California.

Davis came to AARP as a distinguished executive in the broadcasting and
entertainment industry.  He is currently Principal of Davis Broadband Group, a Culver City based consulting firm that advises media and entertainment
companies on digital content distribution.  Earlier in his career, Davis was
managing television technical operations in the US and Asia at Technicolor
and Sony Pictures Entertainment.

Throughout his career, Davis has been actively involved in
community and public service.  In 1999, he was appointed by Governor Pete
Wilson to the board of the California African American Museum.  A few years
later Davis was appointed by Governor Arnold Schwarzenegger to represent the
public as a member of the Board of Governors of the California State Bar.  He
is also a board member of New Directions, a nonprofit organization that helps
homeless veterans.

As volunteer state president, Davis will lead the California Executive Council and work in partnership with State Director Katie Hirning and in collaboration with other volunteers and staff to achieve AARP’s strategic priorities in the state.

“We are thrilled to have George as our new state president,” said State Director Katie Hirning. “He’s a long-time advocate for small businesses and a strong supporter of
technology and outreach to diverse populations.  His knowledge and experience
in these areas will greatly benefit AARP’s more than 3 million California
members.”

Davis is an avid hiker and enjoys collecting rare books when traveling abroad.  He resides in Los Angeles and has two adult daughters and a son attending college.

AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people turn their goals and dreams into real possibilities, strengthens communities and fights for the issues that matter most to families such as healthcare,
employment security and retirement planning. We advocate for consumers in the
marketplace by selecting products and services of high quality and value to carry the AARP name as well as help our members obtain discounts on a wide range of products, travel, and services.  A trusted source for lifestyle tips, news and educational information, AARP produces AARP The Magazine, the world’s largestcirculation magazine; AARP Bulletin; www.aarp.org

AARP TV & Radio; AARP Books; and AARP en Espanol, a bilingual news source.  AARP does not endorse candidates for public office or make contributions to political campaigns or candidates.  The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of
Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at www.aarp.org

.

Sierra Club Responds to NV Energy Proposal for Retiring Coal Plants

April 10, 2013 by · Leave a Comment
Filed under: Carson City, Press-Media Releases 

Sierra Club Responds to NV Energy Proposal for Retiring Coal Plants

Coal retirements promising but questions remain on mix of renewables, energy efficiency, and gas

Carson City – A proposal being rolled out by NV Energy today in the state legislature would set new retirement dates for Nevada’s coal plants, including speeding up retirement of the controversial Reid Gardner plant. The legislation also increases new renewable energy and allows NV Energy to build several new gas plants.

In response, the Sierra Club Energy Task Force issued the following statement:

The Sierra Club welcomed news of NV Energy’s intention to retire the Reid Gardner coal plant by 2017 and to end its contract with Navajo Generating Station’s coal-fired power by 2019. The Club also expressed support for adding new renewable energy projects to replace some of the coal power.

“With this legislation, NV Energy unequivocally acknowledges that Nevada wants and needs to leave coal behind. Closing the Reid Gardner coal plant would clean up Nevada’s air pollution and reduce health risks for thousands of Nevadans,” said Jane Feldman, Sierra Club state Energy Task Force chair. “We strongly support closing that plant and fully cleaning up the site, including the polluted lands, air and water near the Moapa Band of Paiutes’ Moapa River Reservation.”

“Replacing that coal power with renewable energy will create jobs for Nevadans and a better future for our children. We are pleased to see additional renewable energy called for in this bill,” said Feldman.

However, Sierra Club said that concerns remain over NV Energy’s proposals to build new natural gas plants and suggested that more emphasis on energy efficiency and renewable energy is needed. “Energy efficiency can put money right back into the pockets of consumers every month,” said Feldman. “And if we build more renewable energy, costs remain stable for decades because the fuel costs for solar, wind and geothermal are free,” she continued.

Sierra Club is continuing to study the bill and will provide detailed input to the legislature as these proposals move forward.

Staying Safe: Tips to Prevent Falls, Burglary & Other Senior Safety Woes

February 16, 2013 by · Leave a Comment
Filed under: Articles 

In a recent survey of 1,616 people over the age of 45, AARP found that eight out of 10 people plan to stay in their homes as long as possible. This trend, called “aging in place,” is continually gaining traction as more seniors opt to update their homes instead of moving into retirement or senior-care facilities. If you are committed to staying in your home, there are a few essential updates to help make your home as safe as possible for years to come.

Prevent Bathroom Falls

No matter how healthy you are, a wet, slippery bathtub or shower can be dangerous. Add anti-slip adhesive strips for a quick fix. If you don’t like the look of adhesive strips, consider having a professional apply a clear coating that’s just as effective. For those with joint pain who have a bathtub/shower combination, it’s worthwhile to upgrade to a curbless shower with a built-in bench. Stepping into the bathtub can become difficult as mobility decreases.

Install grab bars in the bathtub and shower as well as outside of them to help you get in and out safely.

Prevent Break-ins

Add an alarm system to protect your home from becoming the target of local burglars. A recent article in the Washington Post notes that houses without alarm systems are three times more likely to be burglarized than those with security systems. With so many types of systems available, the options can be overwhelming. Look up home security reviews online to find out what systems are easy to use and meet your needs.

Whatever system you choose, it should come with a yard sign and a few stickers. Affix the stickers in a prominent place, such as on the windows near your front and back door. Stake the yard sign in your front yard so it’s clear to passersby that your house is protected.

Prevent Heat Stress & Cold Stress

Install an easy-to-read digital thermometer that displays the indoor and outdoor temperatures. If your thermostat breaks or your furnace or air conditioner fails, you’ll quickly be able to see that there’s a problem. Hang the thermometer in a high-traffic area of the home, such as the kitchen or living room. This is also helpful so you’ll know when it’s too hot to be outside during the scorching Nevada summers.

Prevent Eye Strain

As your vision declines, having ample lighting throughout your home becomes increasingly more important. Each room of your home should have a variety of lighting to suit the tasks you do in those rooms. The kitchen should have plenty of overhead lighting and task lighting near any food preparation areas. Your bedroom should have bedside reading lamps in addition to an overhead light.

When choosing fixtures for the bathroom and entryway, opt for those with multiple bulbs. This way when one bulb burns out, you won’t be left in the dark until you replace the old bulb.

North Hill, Boston-Area Senior Living Community, Wins Innovation Award and Award for Best Repositioned 50+ Housing “On the Boards” Project in the U.S.

February 16, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

At an awards ceremony in Las Vegas last night, North Hill, the leading Boston-area senior living community, was honored with three Gold and two Silver awards in the National Association of Home Builders Best of 50+ Housing competition. This included being named the Best Repositioned 50+ Housing project “on the boards” in the nation. And then North Hill was s ingled out by judges for a special award — an Innovation Award for its industry-leading PurposeFULL Living wellness philosophy.

“Stunned and proud,” is how Kevin Burke, CEO of North Hill Communities Inc. [www.NorthHill.org] described his reaction. “Our entire community has been so committed and creative in its efforts to transform senior living. We felt honored to even be named a finalist in this, the industry’s most prestigious awards program. To be further recognized for Innovation — it’s very exciting.”

The awards reflect North Hill’s progress with the Project True North Initiative — the community’s largest and most comprehensive investment in its 28-year history. Project True North enhancements to the community include new residences, transformed indoor and outdoor spaces, and innovative services and amenities. At the heart of all the changes is PurposeFULL Living, North Hill’s multidimensional wellness philosophy [www.NorthHill.org/PurposeFULL-Living]. The judges felt the concept and execution of PurposeFULL Living was so notable it deserved a special Innovation Award.

The 50+ Housing Awards were winners were announced on January 23 at the International Builders Show in Las Vegas. North Hill received the following awards:
• GOLD — Best Repositioned/Remodeled Community on the Boards
o See renderings at http://www.northhill.org/senior-living-ma-photo-gallery
o Learn more about PurposeFULL Living at http://www.northhill.org/pursuing-your-passions
• GOLD — Best Online Marketing Strategy
o Visit the new main website, http://www.NorthHill.org, as well as a sister site focused on the initiative, http://www.TrueNorthEvolution.org
o See a recent email at http://bit.ly/UL3uU4
• GOLD — Best Sales/Marketing Event
o See photos from the event at http://bit.ly/RrqwRY
• SILVER — Best Brochure
o See a sample of the brochure at http://bit.ly/12aZCQc
• SILVER — Best Integrated Marketing Strategy
o “Discover True North,” the campaign launching the True North initiative, included direct mail, online and offline advertising, email, public relations and special events (the first of which attracted more than 400 attendees and caused a traffic jam on the Needham/Wellesley town line)
o See a sample TV ad at http://bit.ly/U4cfXo
ABOUT NORTH HILL: North Hill provides opportunities for vibrant living from its campus on the Needham/Wellesley line. Founded in 1984, a combination of location, the innovative Lifecare financial model and exceptional quality in healthcare and hospitality service have made North Hill one of the most sought-after retirement communities in Massachusetts. The North Hill vision is to be the leading provider of the most progressive, personalized healthcare and hospitality services to older adults in the Northeast. To learn more, visit www.NorthHill.org.

ElderCarelink.com launches contest to reward family caregivers

January 17, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

ElderCarelink.com is hosting the “Share Why You Care” contest that asks caregivers to share stories about their caregiving experiences. Readers vote for their favorite caregiver to win a free spa day and in-home care of their loved one for a day.

January 7, 2013 (VOCUS) Foster City, Calif. – – ElderCareLink.com, a one-stop elder care resource, is hosting a contest this January specifically for caregivers. The “Share Why You Care” contest is designed to give a voice to the approximately 76 million unpaid family caregivers in the U.S. From January 7, 2013 to February 1, 2013 the site encourages these dedicated individuals to share their stories, struggles and memories.

As the first wave of the Baby Boomer generation prepares for retirement, many are finding themselves in caregiving positions because their parents are living longer than ever before. In some cases, plans for a leisurely retirement have been put on hold have so they can be available 24 hours a day, seven days a week for aging loved ones.

“It can be exhausting being responsible for someone else all the time,” explained Vicki DeLuca, spokesperson for ElderCareLink.com. “We want our users and caregivers to know they are appreciated for all they do.”

Caregivers may submit an essay of 300 words or less describing why or how they became a caregiver and what caregiving means to them. Optionally, users may also submit a photo of themselves and those they have cared for. Essay submissions are entered automatically into the competition for a chance to win weekly $50 prizes and the submission with the most votes will be awarded the grand prize of a free spa day and in-home care of their loved one, worth $350.

“Caregivers aren’t always appreciated for all the work they do,” continued DeLuca. “The real value of the ‘Share Why You Care’ contest is that their voices can be heard.”

To see the entries or enter the contest, please visit the contest homepage and follow ElderCareLink.com on Twitter and Facebook.

About ElderCareLink.com
ElderCarelink.com, a one-stop elder care resource, provides a community of support, advice, and caregiving resources for families in need of elder care. To date, ElderCarelink has provided information and assistance to more than one million families nationwide with finding in-home care, assisted living, nursing homes, adult day care, private duty nursing, and care management services. ElderCareLink.com is owned and operated by QuinStreet, Inc. (NASDAQ: QNST), one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with the information they need to research, find and select the products, services and brands that meet their needs. The company is a leader in visitor-friendly marketing practices. For more information, please visit QuinStreet.com

Financial Solution for Baby Boomers is to Start Their Own Businesses, Says Founder of Bizstarters

January 17, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

Jeff Williams proclaims the benefits of starting a business at the age of 50 or older 

CHICAGO, Jan. 9, 2013 /PRNewswire/ — Americans over age 50 face a profound dilemma today – the vast majority want to keep working well into their sixties but fewer and fewer of them are welcome in the corporate world, often because of their age. But, according to Chicago-based business start-up expert Jeff Williams, running a business today is a relatively low risk, high reward alternative to a corporate job for these individuals.
Jeff Williams is the CEO and Chief Coach for Bizstarters.com, a nationally known coaching company helping individuals age 50 and over start their own businesses.
Over the past seven years Williams has seen a boom in business startups by people over 50, but he says: “Many, many more older boomers need to seriously look at starting a business if they want to continue to work. And, many will if they understand the new lower cost, higher profit version of small business that’s possible today.”
Williams suggests seven reasons why starting a business is “THE way to work today” for 50+ boomers:
• Your age doesn’t matter when you run your own business. Your customers don’t care how old you are. They only care that you deliver what you promised when you promised it.
• Technology lets you look big when you’re small. Thanks to technology, more and more business owners are working from home, earning $100,000 or more per year.
• New businesses last longer than new jobs. More than 50% of new hires today only last 18 months in the job. More than 55% of new businesses last at least two years, with many running five years or longer.
• You have a lot of people near your age to sell. You have 78 million boomer peers to sell to – they see you as a “sister or brother.” You have 42 million people over age 70 to sell to – they see you as a “son or daughter.”
• It’s never been cheaper to run a business. Many highly profitable businesses today cost less than $500 per month to run.
• You determine your financial progress. You set financial goals as you wish and create plans to achieve them. You are the “boss.”
• You can continue to run your own business for as long as you wish. In fact the IRS gives you a number of ways to legally put away up to 40% of your salary in deferred retirement accounts.
Jeff Williams is widely quoted in articles on boomer entrepreneurs and spoke on the topic at the recent AARP convention held in New Orleans. He offers tips for starting a successful business in his new free digital e-book: “10 Keys to Starting a Profitable Business After 50” available at www.bizstarters.com.
Contact: Jeff Williams, 847-305-4626, cell – 224-300-1820, jeff@bizstarters.com, www.bizstarters.com.

AARP Launches New YouTube Series, The Cheap Life with Jeff Yeager

January 17, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

AARP Savings Expert’s Weekly Series Helps People Get the Most for their Money
WASHINGTON, Jan. 15, 2013 /PRNewswire-USNewswire/ — Today, AARP launched the latest in its original video series on YouTube, “The Cheap Life with Jeff Yeager,” featuring AARP savings expert Jeff Yeager. During each weekly episode, Yeager, who is also known as the “Ultimate Cheapskate,” will discuss tips and tricks on how consumers of all ages can pay less for just about everything, save for retirement, get the most for their money and up-cycle or reuse everyday items through creative repurposing.
(Logo: http://photos.prnewswire.com/prnh/20070209/NYF043LOGO)
“We know our members want programming that features fun and everyday ways to save,” said Larry Gannon, AARP Vice President of TV and Radio Programming. “‘The Cheap Life’ is one way AARP is meeting the wants and needs of our members and others—by helping them and their families save real money and live the life they want, but at a fraction of the cost.”
For the past four years, Jeff Yeager has been a popular contributor to AARP via online articles and “savings challenges,” print articles in AARP’s Bulletin and “AARP The Magazine,” AARP television series and web-only videos and a weekly blog. Past videos featuring Jeff are among the most viewed and many of his articles are among the top read articles in the money section of www.aarp.org.
“Our research shows that AARP members are using YouTube to view videos online,” Gannon said. “And through this popular interface, ‘The Cheap Life’ delivers fun and engaging ideas on how to enjoy life more by spending less. Subscribers to The Cheap Life YouTube Channel will be able to interact directly with Jeff and have their tips and savings ideas shared with a worldwide audience.”
Each three to five minute episode of “The Cheap Life” will link back to relevant articles, blog posts and other helpful tools found on www.aarp.org. Episodes may include:
The Repurposing Challenge—Encouraging viewers to find multiple uses for everyday household items;
Don’t Throw That Away!—Jeff shares one of his many favorite repurposing ideas;
Cheapskate Shout-out—Jeff acknowledges people who have embraced the “cheap life;” and,
Cheapskate Hall of Fame/Shame—Jeff identifies people who have excelled or failed at being frugal.
“The Cheap Life” is part of a customized AARP YouTube destination that streamlines the user experience and better organizes the more than 2,000 videos available for site visitors. In 2013, AARP will continue to expand its online content offerings by developing premium original programming for the AARP YouTube channel in the form of weekly series focusing on the areas of money, health and beauty, technology and travel.
Consumers can subscribe to “The Cheap Life” for free by visiting www.YouTube.com/CheapLifeChannel and becoming a registered YouTube user. The first episode, “Travel Tips for the Frugal,” can be found by visiting https://www.youtube.com/watch?v=Zob8NFodEtw.
AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people 50+ have independence, choice and control in ways that are beneficial to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for Americans 50+ and the world’s largest-circulation magazine; AARP Bulletin, the go-to news source for the 50+ audience; www.aarp.org ; AARP VIVA, a bilingual lifestyle multimedia platform addressing the interests and needs of Hispanic Americans; and national television and radio programming including My Generation and Inside E Street. The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at www.aarp .org .

CONTACT: David L. Allen, +1-202-434-2560, media@aarp.org

Where to Find Your Retirement-Planning Confidence

November 9, 2012 by · Leave a Comment
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Where to Find Your Retirement-Planning Confidence

(Family Features) With the leisure and reward of retirement a few short years away, the majority of baby boomers – born between 1945 and 1966 – are confident they have adequately planned and saved for their golden years. This is according to new research from investing services company Scottrade, Inc., which also found that 56 percent of baby boomers expect to fully retire between the ages of 55 and 74.

DIY Retirement Planning
Overall, 72 percent of Americans report a strong level of confidence in their ability to plan their own retirement. That confidence comes from two actions: discussing retirement plans and savings strategies with others, and monitoring the news. Thirty-nine percent also said their self-assurance came from the fact that they preserved most of their retirement savings through the economic downturn.

“More online and in-person investment education opportunities are available to Americans than ever before,” said Kim Wells, Scottrade’s executive director of product development and chief marketing officer. “The availability of easy-to-use online trading and investing tools is empowering investors to build their portfolios and take charge of their financial futures themselves.”

Retirement Fund Trends
Scottrade’s research found that more than half of Americans, at 55 percent, are actively planning their retirement without the help of an advisor. This do-it-yourself action plan seems to be working. The majority of Americans did not see the value of their retirement accounts decline last year, and 73 percent reported the value of their retirement accounts either increased or stayed the same.

For Americans who saw a decline in their account value, 67 percent expect to recover those losses within 10 years. In response, a growing number of Americans are looking to save more in order to rebuild their retirement accounts, and 35 percent of Americans plan to save up to 10 percent more.

Staying on Track
For those who are uncertain whether they’re contributing enough to their retirement fund, online calculators make it easy to determine how much should be contributed annually, based on age, income and retirement plan. Check out the retirement calculator in Scottrade’s online Knowledge Center at www.scottrade.com, to help determine how much to save for retirement.

Learn more about self-directed investing at www.scottrade.com, and find more information on the Scottrade 2012 American Retirement Study at http://about.scottrade.com/.

Photo courtesy of Getty Images

Innovative Senior Housing Community Takes Shape in Tucson include Horses! (equine therapy)

October 16, 2012 by · Leave a Comment
Filed under: Articles, Press-Media Releases 

Read about the role of horses and Dr. Andrew Weil along with other exciting news about Watermark’s latest innovation in senior living, The Hacienda at the River in Tucson, Arizona.

Innovative Senior Housing Community Takes Shape in Tucson
Partnerships and Affiliations Announced
Tucson, Ariz. – Before concrete is even poured for the Hacienda at the River, longtime Tucson senior housing developer David Freshwater and his operating partner, David Barnes, are carefully laying the foundation for Tucson’s newest and most innovative senior living community by solidifying partnerships and affiliations with some of Tucson’s biggest names in integrative medicine and therapy.
Most notably, Freshwater and Barnes are teaming with Andrew Weil, MD, to oversee onsite organic gardens and establish culinary principles that will promote optimum health. Co-directors of the Arizona Center on Aging, Mindy Fain, MD, and Janko Nikolich-Zugich, MD, Ph.D., have agreed to provide team-based interdisciplinary healthcare (Fain), incorporating the latest standards and advances of geriatric research (Nikolich) to Hacienda residents, complementing their primary care. Steven Wool, M.D. will serve as medical director and private practice doctor for the community. Evan Kligman, M.D. will coordinate and act as ongoing liaison for all University of Arizona partnerships and affiliations with the Hacienda at the River and other programs under development for Freshwater and Barnes’ organization, Watermark Retirement Communities.
According to Freshwater, the Hacienda team has also entered into an agreement with Barbara K. Rector, MA, CEIP co-founder of Therapeutic Riding of Tucson and Adventures in Awareness, to direct onsite equine therapy, believed to be the first program of its kind to be permanently integrated into an assisted living community.
“We’ve seen equine therapy work so well with residents in other Watermark locations that we’ve made it central to our vision for The Hacienda at the River,” said Freshwater. “Given that The Hacienda site is historically a horse property, we feel this use is especially fitting.”
Utilizing Mission Revival architecture, reflective of the Southwest’s iconic heritage, and set on the terrace at the edge of the Rillito River near River and Hacienda del Sol roads, the Hacienda at the River is envisioned to be a new style of community for mature individuals who need assisted living, memory care, nursing and short-term rehabilitation. The Hacienda is Watermark’s branded response to a new paradigm for de-institutionalized senior living environments: elders receive care almost invisibly through universal workers integrated into the core household, creating a family-centered setting that seamlessly provides expert personal and health support. Each of the four single-story homes at the Hacienda includes a living room and kitchen, library, family room and a front porch. The homes have courtyards with mesquite and other canopy trees. Resident suites in each home have private baths and roll in showers. Nursing and rehab services will also be provided at the new community in a two-story building with the look and feel of a boutique hotel rather than a traditional, institutional nursing home.
Other features of the development will include:
• Green building techniques including water harvesting and gray water systems, and other energy and water saving techniques leading to LEED certification;
• On-site orchard and gardens for providing a portion of fruits and vegetables used at the community;
• On-site restaurant and café featuring natural, organic foods (including those grown on-site) whenever possible serving residents, family members and visitors alike;
• Two rehab facilities for short-term and outpatient services including speech, hearing, occupational, and physical therapies. The Hacienda is also planning to integrate aquatic as well as equine therapies into its rehab programming.
The purchase of the 7.5-acre site closed October 3 and groundbreaking is expected in 2013. More affiliations are in the works, to be announced.
Freshwater and Barnes are nationally noted seniors’ housing experts who happen to live in Tucson. They opened their first senior living community, The Fountains at La Cholla, 25 years ago. Watermark now operates 31 communities coast to coast.
www.watermarkcommunities.com

Active Aging Week

September 24, 2012 by · Leave a Comment
Filed under: Events 

Montara Meadows, an independent senior living community in Las Vegas, welcomes area seniors to participate in free national Active Aging Week seminar on Sept. 25.

Montara Meadows, www.montarameadows.com, is located at 3150 E. Tropicana Avenue in Las Vegas.

Active Aging Week, founded by the International Council on Active Aging (www.icaa.cc), promotes healthy lifestyles for seniors through a variety of enriching, educational, and inspiring events. The 2012 theme is “Many journeys, many destinations” and will be held throughout the country in late September.

• Tuesday, Sept. 25 at 10 a.m.: Let’s Talk Seniors® seminar on healthy aging

To RSVP, or to learn more, please call Montara Meadows at 702-435-3150.

*Active Aging Week is a registered trademark of International Council on Active Aging. Holiday Retirement is not affiliated with any health care provider and does not provide or coordinate any care services. Residents are welcome to obtain services from any provider of their choice.

Seniors are using Reverse Mortgages to supplement their retirement incomes

September 1, 2012 by · Leave a Comment
Filed under: Press-Media Releases 

Seniors are using Reverse Mortgages to supplement their retirement incomes.

With 10,000 people turning 65 each day in the United States, many are turning to the Reverse Mortgage product from the FHA, to draw cash from their homes to enjoy life.

A Reverse Mortgage is available to Seniors age 62 or more, who live in their homes as their primary residence. The main difference with a Reverse Mortgage is there is NO monthly mortgage payments made to the Bank. A Reverse Mortgage does not need to verify your credit scores, your income, or employment. It’s easy to qualify; just need a date of birth, and we all have that!

Monies from a Reverse Mortgage can be obtained in a lump sum, or you can have a monthly amount deposited to your checking account each month, or have the money put on a credit line, available to you at anytime. Seniors can also Purchase a new home with the Reverse Mortgage for Purchase Program. Using a small down payment, a Reverse Mortgage for the balance of the purchase price, and live in the home without making any mortgage payments to the bank. Enjoy your life!

All Western Mortgage has been in the Las Vegas Valley since 1981, and George Lagarde, the Reverse Mortgage Consultant has been in the mortgage business for the past 28 years. George, a Senior Advocate, meets Seniors in their homes to inform and present the Reverse Mortgage Program to each member of the family, and make sure they all understand and realize the benefits to them of using this FHA guaranteed program. George Lagarde can be reached at the following number or email address:

George Lagarde NMLS: ID 18581
Reverse Mortgage Consultant
Cell: 702-845-4632
GLagarde@awmlv.com
Changing Lives…one Senior at a time!

Medical Alert Provider Rescue Alert of California(TM) Announces Improved Senior Blog Rescue Alert of California

September 1, 2012 by · Leave a Comment
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Medical Alert Provider Rescue Alert of California(TM) Announces Improved Senior Blog
Rescue Alert of California™, has announced a newly updated senior blog in an effort to improve the user-experience for their network of seniors and caregivers.

Rescue Alert Medical Alert System
We want to provide the vital information on eldercare and senior health in an easy-to-find, user friendly way so that more people benefit from this valuable information.
Rancho Santa Margarita, California (PRWEB) August 23, 2012

Medical alert provider Rescue Alert of California,™ in a continued effort to provide helpful resources and information on a variety of health and safety topics for seniors, has announced a restructure of it’s senior blog. Rescue Alert of California’s™ enhanced blog is one place to find information on everything from changes in Medicare to flu shots to retirement.
“Our website is an important tool for us and for our customers,” said Lindsey Brewster of Rescue Alert of California™. “we want to provide the vital information on eldercare and senior health in an easy-to-find, user friendly way so that more people benefit from this valuable information.”
Rescue Alert of California™ has improved its senior blog by adding more resources, in a variety of categories such as senior safety, health, technology, medical alert systems, caregiver resources, and senior assistance. There is now more content, and easier navigation, so that seniors and caregivers can find what they want to know with ease and efficiency.
About Rescue Alert of California™:
Rescue Alert of California™ has been enabling senior citizens to live safe, happy and independent lives through education and quality medical alert systems for over a decade. They offer EMD certified responders available 24 hours a day, and the peace of mind that comes with knowing that help is available at the push of a button.
To view the resources available for seniors and caregivers, visit our website:
http://rescuealertofca.com
To join a supportive network of senior resources and experts in the field, follow us on Twitter @rescuealertofca, or “Like” us on Facebook: http://www.facebook.com/RescueAlertofCA

What Types of Senior Jobs Exist? (Nevada Senior Guide)

September 27, 2011 by · Leave a Comment
Filed under: Articles 

Many seniors aren’t content to take the company watch and spend the rest of their lives in complete retirement. Part time and full time senior jobs exist, but the problem is finding them.

Wanting to stay busy isn’t the only reason seniors are looking for full and part-time jobs. Retirement and social securing incomes just aren’t enough to live on anymore, and seniors find themselves needing to work to pay the bills and buy food.

Some want to continue working simply because they love the feeling. They may be highly creative or well-educated and talented in a certain field. A job will provide these seniors with the sense of satisfaction they need.

The world has changed, and retirees don’t need to hold down a 9 to 5 job anymore, but they may be confused about what they’re qualified to do. Knowing just a little about the Internet lets seniors find suitable jobs or build a business and work from home.

If you’re searching for senior jobs, first decide what type of job appeals to you. If you’re an outgoing, people-person, you may want to seek jobs that take advantage of this talent. A job in retail might be just the thing that makes you happy and will supplement your income enough.

You may have enjoyed working for your old company or being in a certain line of work so much that you’ll want to speak to your employer about staying on with the company – perhaps on a part time basis. Most companies will love the fact that you’re bringing experience to the table.

Freelance jobs are extremely popular now. Many companies are outsourcing work to freelancers so that they won’t have to pay health care and other benefits to full time employees. You may be able to market yourself as a consultant and work as much or as little as you want.

A recent ‘Dear Abby column entitled, “Boomers finding new opportunities as they hit 65” brought to light that between 7,000 to 10,000 people will have a 65th birthday every day for the next 19 years. That’s right – approximately 76 million people will soon be hitting the big 65.

These seniors don’t want to be counted out of the work force. They want to be contributors and participators in life and in society. The impact on our world will be enormous. As these intelligent, hard-working people reach ‘retirement’ age, they won’t retire, but instead find ways to keep working – and that means more senior jobs.

Today, seniors have so many more opportunities than their parents – computers and the Internet has made it possible to begin a whole other career, build your own business and create a way to make a great income far into retirement years.

Don’t give up if you’re looking for senior jobs that fit your criteria. Search the Internet for business opportunities that might be just the chance you’re looking for.

Marjorie Chaddock

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Recapturing Your Youth With Senior Cruise Lines (Nevada Senior Guide)

September 27, 2011 by · Leave a Comment
Filed under: Articles 

Everyone faces the time period when youth gives way to adulthood and old age sets in. Finding activities that seniors can participate in can be challenging. One of the best ways for older people to enjoy fun and entertainment is to book a destination on senior cruise lines. The cost is extremely affordable and there are many ways to have a good time.

Every activity that is located on the ship is specifically designed with senior entertainment in mind.

There are no age restrictions for having a great time and many people find that going on a cruise is the perfect time to recapture some of the essence that may have been lost in life. Everyone remembers how to have a great time when the right activities are presented. The only shipmates that are allowed on the cruise are all within the same age group to make making new friends easy. No one has to feel left out because he or she is getting older.

Travel agents that coordinate the sale of senior cruise lines tickets are quick to inform seniors about the discounted rates that are offered for this form of entertainment. The cost is lower compared with a standard cruise that may be taken by a younger couple. The ships know that many of the passengers are living on a retirement income and want to make the price affordable at every level of income for people to enjoy.

The activities are centralized and are not marketed to families or children like standard cruises. Seniors find it rewarding to attend these cruises because of the different activities that are available during the time they are a passenger. The food and entertainment value is designed exclusively for the older generation and getting the most out of the time spent is easy.

The main goal of taking a trip on senior cruise lines is to have fun and make new memories during the golden years of life. Being with people that are the same age helps many seniors to feel camaraderie. These relaxing getaways are an excellent way to enjoy life at an affordable price compared to the various forms of modern entertainment. Looking into taking one of these cruises will certainly not disappoint a senior that is looking for more than what is currently offered in life. Living on a limited income does not have to mean that it is too expensive to enjoy some of the benefits that old age has to offer.

The author has invested much time becoming an expert on the best cruises in the world and other related topics. Read more about senior cruise lines at Mel Davey’s website.

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The Difference Between Assisted Living and Nursing Homes (Nevada Senior Guide)

August 22, 2011 by · Leave a Comment
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Overview of Assisted Living

Assisted Living, sometimes called Personal Care, is a type of care that supports individuals with their basic Activities of Daily Living (ADLs), including bathing, dressing, preparing meals, and, in some cases, medication assistance or reminders. Residents of Assisted Living communities, whether stand-alone or part of Continuing Care Retirement Community (CCRC), benefit from the community’s planned social, educational and recreational programs, as well as the daily opportunities for socialization with peers. Three daily meals are generally provided.

Assisted Living housing tends to be more intimate, offering an enhanced home-like atmosphere. Apartments are generally studio or one-bedroom, with kitchenettes. Safety features such as call systems and handrails are standard.

Paying for Assisted Living

Assisted Living can be paid for from private funds or with a mixture of private funds and long-term care insurance. Supplemental private insurance will not pay for Assisted Living.

Overview of Nursing Care

Often called skilled nursing and rehab centers or nursing homes, Nursing Care communities offer both long-term skilled nursing care and short-term skilled nursing and rehabilitation services. While supporting individuals with their basic Activities of Daily Living (ADLs), including bathing, dressing, preparing meals, these communities also provide complex medical care in which the services of licensed nurses and therapists (physical, occupational, nutritional and speech) are utilized. These services are often utilized by individuals requiring short-term medical support after an injury, surgery or illness-related hospital stay. Nursing Care communities generally have 24-hour licensed care staffing.

Nursing Care housing is generally a private suite or shared accommodations. Well-designed communities enhance recovery and healing with planned social, educational and recuperative programs, as well as with an emphasis on home-like comforts.

Paying for Nursing Care

Reimbursement for Nursing Care community patients and residents depends largely on length of stay. Different funding sources kick in at different intervals. Short-term rehabilitation stays are often covered by Medicare and/or private insurance, including long-term care insurance. (Certain criteria in terms of length of hospital stay and care requirements while in the Nursing Care community have to be met to receive Medicare payments and it is worthwhile to discuss these with a discharge coordinator at the hospital.) For long-term care residents, private funds, Medicaid, and long-term care insurance are the typical methods of payment.

To learn more about Senior Living options, visit this website: www.areyourparentsthriving.com

Watermark Retirement Communities

Denise Barnes is the Electronic Communication Specialist at Watermark Retirement Communities in Tucson, AZ.

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Senior Living Communities – A Great Place to Retire in Style (Nevada Senior Guide)

August 22, 2011 by · Leave a Comment
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All through our lives we dream of long vacations in sunny places. We always want to take time to relax and spend time with friends and do fun activities. We want to be able to take advantage of our lives and really enjoy ourselves. Unfortunately most of us have very busy lives.

We are often so busy through out our lives that we do not get a chance to do the things we really want to do. When we are young we are busy establishing a career, saving money to buy a house, finding a loving and suitable spouse. Then all of a sudden we are raising children, working full time, and saving money to send them to college.

As we grow older, we find that we have the maturity and insight to choose how we want to live our lives and what pace we want to live them at. Each day becomes more important, and to live it to the fullest, it’s important to relax and have the time to enjoy every moment and opportunity life offers.

Senior living communities should be considered. These communities differ greatly from the often boring, sterile image of “assisted living”. The modern communities often have fun and uplifting environments, and may be near beaches, pools, and golf courses. These facilities are receiving more attention as the baby boomer generation begins to enter senior living.

Brookdale Senior Living is one standout senior living community that you simply have to see for yourself. The community offers classes in art, aerobics, book clubs, and even intramural sports teams. You can also choose to live at Brookdale full- or part-time. This is a particularly great feature if you like your house but want to escape it in the cold winter months!

Communities for seniors are a wonderful way to enjoy your retirement. You can reside in a lovely community with residents who are your own age and share your interests. If you look into senior living communities, you can find the one that best fits your needs and favorite pastimes. You will finally have the chance to enjoy yourself and engage in all the activities you’ve dreamt of doing.

Communities for seniors are a wonderful way to enjoy your retirement. You can reside in a lovely community with residents who are your own age and share your interests. If you look into senior living communities, you can find the one that best fits your needs and favorite pastimes. You will finally have the chance to enjoy yourself and engage in all the activities you’ve dreamed of doing. Brookdale Senior Living is one standout senior living community that you simply have to see for yourself. For more information about Retirement communities – please visit RetirementCommunitiesGuide.org

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Senior Living Properties – 20 Point Checklist (Nevada Senior Guide)

August 22, 2011 by · Leave a Comment
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A move to senior living properties, retirement communities or estates is often complicated by perceptions and emotion. Make the decision as rationally and objectively as possible. A mistake will likely result in considerable stress and wasted money.

The questions, and their significance will depend on your personal circumstances and on how the estate is set up. I suggest that you go through each issue with a fine tooth comb.

Questions to be answered by the estate management.

1. With residents are there restrictions with for example: having someone to live with you, visitors, car parking, pets or anything else?

2. Are there any specific medical requirements to qualify to live independently?

3. Is it required to give details of any medical conditions or treatments? If so, who can see them and are they kept confidential?

4. Is there convenient estate or public transport available?

5. If the units are incomplete, can a resident change the design or finishes?

6. Are there any circumstances under which the deed of sale be cancelled?

7. Can a resident move, or be moved, from one type of accommodation to another. If so, how would the decision be made?

8. Are residents actively involved in the running of the village and in setting any fees and changing estate rules?

9. Are any resident rights at risk if the village is sold?

10. What exceptional charges will have to be paid by residents?

11. Are there any limitations when selling units? Could there be a disagreement over the selling price or improvements made?

12. Have all the estate management proven experience in this type of development?

Personal Check List – some points to ask yourself.

13. Does my my family, advisor and friends agree with my decision to move?

14. Am I considering the move because of all the daily hassles of running a home?

15. Have I considered all the information about the estate I have chosen? Has my legal representative explained all the relevant conditions in the deed of sale to me?

16. Do I think that this is the best choice for me? Does the this estate living suit the things that I believe are important? Have I spoken to any residents in the estate?

17. What choice is there if I become too ill to live alone? Will the estate and my unit suit me if I ever need a wheelchair or walking aid?

18. Are there services especially intended for the elderly like nursing care and an emergency call system? Will it meet my current and expected future needs?

19. Have I made a comparison of the facilities and the alternative financial arrangements of other developments?

20. Can I comfortably afford the estate I have chosen and what will it cost me if I decide to leave?

Working through these issues it is very apparent that this is an important choice in anyone’s life. The decision to consider senior living properties is often taken at a time of emotional distress so it is critical that it’s made in as objective and rational way as possible.

Patrick Millerd is a baby boomer “nevertiree” and aspiring digital nomad. He’ll help you discover how retirement planning can put you on the path to a create the retirement lifestyle you desire at www.Successful-Retirement.com

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Senior Living – An Ideal Place for Retired Seniors (Nevada Senior Guide)

August 22, 2011 by · Leave a Comment
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Everyone wants to live in peace and happiness even in old age, and senior living options are available for these people. In such a fast-paced world, children usually don’t have time to take care of their ageing parents. If they look for some retirement options, however, things could be easier. For all retired people, retirement communities are a great place to spend their lives in happiness and contentment. For most seniors, independence comes with a lot of difficulties, but for those who find it tough to accomplish their daily chores there are assisted living homes. When people get older and their children are unable to take care of them, there are a variety of senior living options.

Most seniors resist frequent change, so selecting a retirement community has to be done with great care. Most of the assisted living homes are set up so that the residents of the facility can have a better quality of life than they would experience in their traditional homes. It has often being observed that when it comes to elder care, the most important thing is to get exercise and have activities that enhance their lives and promote longevity. Improving the quality of life through senior living is a very real possibility, and this is the top goal of the assisted living homes. These facilities are there for all senior citizens, whether they are retired or not and whether they need assistance or not. After retirement, a lot of people tend to stop taking care of themselves as well and try to keep living on their own, but this stage of life ought to be the most enjoyable one. If you want to enjoy your life, then check into the best retirement community.

For retired people, there are a number of senior living options that can be chosen depending on the needs of the individual. The two main choices after retirement are living with family or moving to a retirement community. The choice of these senior homes depends on the overall health, independence, and mobility. If the aged person does not like going very far, then assisted living homes that are located near shopping areas would be best. As we get older, we try to find activities that will keep us engaged and happy. A lot of senior living facilities organize events for elderly people to share their thoughts.

Active seniors who are independent in their daily lives can opt for a regular retirement community which serves their individual needs. Senior citizens need to understand that staying in senior living is not a social stigma, but is a way to enjoy retired life to the fullest without being dependent on anyone. The ideal place for retired people among all the senior living options is the retirement community because it really caters to the needs of retired people.

Horizon Bay’s retirement communities, Active Adult Communities communities and Assisted Living Community redefine life for seniors where they are respected as individuals and encouraged to live life more meaningfully.

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Assisted Living and Retirement Communities: Great Food Equals Happy Residents (Nevada Senior Guide)

August 22, 2011 by · Leave a Comment
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Meal times are bar none the most important activity of the day for seniors living in retirement and assisted living communities. Eating is an immensely enjoyable activity when you’re young (as evidenced by our 60% overweight population) and for the elderly, and is often the only enjoyable activity of the day. And while fattening home cooked dishes will always be on menus – just watch the uprising if they took away chicken fried steak from anywhere south of the Mason-Dixon line – communities should still be striving for quality and freshness.

 

  1. Our seniors spent their whole lives deciding when and what they wanted to eat. Isn’t it only fair that they get to do that now? While many communities have limited meal times – and this is not necessarily bad, it’s certainly better to have an all day dining program in place. When is the last time someone told you that lunch was served at 11AM sharp? Our seniors aren’t children and they’re paying a lot of coin to live in these places. Communities should attempt to be as flexible as possible in their scheduling to be respectful of the decision-making ability of these folks, even if they come in at the same time. Every. Single. Day.
  2. It’s just as important to give seniors the choice of where to sit. Senior communities can be like high school with folks moving in and out of social circles. Wouldn’t you get sick of sitting next to the same person every day? What if you didn’t like them? Assigned seating should be reserved only for residents with very high care needs who need extra attention.
  3. Knowledgeable Food & Beverage Director. All the better if the chef is a nutritionist (and in some states it’s the law). Even if no need exists now, he or she should be able to tell you what they can and can not do in the event diets change for health reasons. Diabetes, chewing problems and diverticulitis, among many others – are fairly common ailments among an aging population and something to think about when considering a move.
  4. Quality and Quantity. Look to see how extensive the menu is. Residents should be given at least three options at every meal, one hearty, one healthy, and one light. Even home style dishes should be made with fresh ingredients and a minimum of salt, and served with fruits and vegetables that will be pleasing to any palate.
  5. Cleanliness and Atmosphere. Keeping the kitchen and dining room clean are incredibly important to help prevent the spread of illness within a more frail population prone to picking up every little bug. Check food safety inspections and be sure to walk all the way into the dining room (and in the kitchen if they allow it) to make sure staff looks clean and crisp, salt and pepper shakers free of any visible debris, table surfaces sanitized, and glasses and silverware spotless.
  6. Don’t forget to try the food. While every community claims to have the best around, make sure you ask to try it for yourself. Your taste buds don’t lie and it will give you a much better idea of what the community is really like as a whole.

 

Ms. Harrison has consulted with over 10 different distressed and startup senior living properties across the nation. Seniors Best Interests is a free-to-family service that advocates on behalf of seniors and their families when they begin searching for senior living communities.

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

Article Source: http://EzineArticles.com/5861957

Trends in Assisted Living (Nevada Senior Guide)

August 22, 2011 by · Leave a Comment
Filed under: Articles 

Assisted living communities have become increasingly dedicated to innovation and an emphasis on hospitality in order to remain competitive during challenging economic times. Understanding the resulting assisted living trends will be helpful to families that are in the process of exploring the various options available for aging loved ones.

Assisted Living Trend #1: Wellness Programs to Enhance & Promote a Healthy Lifestyle

In 2009, the age of residents moving into assisted facilities nationwide averages 84.6 years. As seniors continue to wait longer and longer to leave their homes and move into senior living communities, the industry seeks to extend their length of stay by promoting health and wellness among their residents. Nearly every major competitor has developed a multi-dimensional program to include a variety of exercise classes and/or access to neighborhood fitness clubs, healthy meal options as well as spiritual and educational opportunities. Amenities and services that reflect this emphasis on wellness include the availability of on-site massage therapy, exercise equipment made specifically for seniors, computer training with specialized equipment and large screens as well as flexible hours for dining to accommodate medical appointments and activities. The success of such programs improves the general health and well-being of current residents and attracts new residents who are increasingly dedicated to maintaining their active lifestyles.

Assisted Living Trend #2: Larger Apartments and Increased Apartment Amenities

Between 2006 and 2009, the number of apartments in assisted facilities has decreased from a nationwide average of 63 to 54. This statistic reflects a trend in combining two apartments in order to accommodate residents who prefer larger living spaces. Whereas studios used to be the most common type of assisted living apartment, one-bedroom units are now more preferable and allow residents to keep more of their furniture and belongings that make their new apartment feel like home. In addition, many couples currently moving into assisted facilities prefer separate bedrooms for improved sleeping. Amenities frequently include spacious walk-in closets, 9-foot ceilings, balconies and/or patios to accommodate pet owners as well as enhanced kitchenettes with microwaves and small refrigerators.

Assisted Living Trend #3: Increased Flexibility in Financing Assisted Living

In light of current economic conditions, an increasing number of assisted communities are participating in Medicaid. According to a collaborative research project conducted in 2009 by the Assisted Living Federation of America, nearly half of responding assisted care providers have licensed up to 25% of their apartments for Medicaid. Other communities that may not accept Medicaid are partnering with companies that provide financing options such as a line of credit to facilitate move-ins prior to home sales. These types of options are very helpful to seniors who are reliant on the equity in their homes in order to afford assisted care. Given the number of veterans currently moving in to assisted facilities, providers are also dedicated to publicizing and promoting the Veteran’s Aid & Attendance program. For more information about eligibility requirements for this program, visit the Veteran Aid website. Finally, it’s never been a better time to ask assisted living communities about waiving entrance fees, locking in current rates and receiving assistance with moving expenses!

SeniorHomes.com is a free resource for people looking for senior housing or senior care for a loved one or themselves. With valuable articles and a comprehensive directory of care options, SeniorHomes.com is the best place to start your search for assisted living, independent living, Alzheimer’s care, a retirement community or home care.

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

Article Source: http://EzineArticles.com/4088386

Nevada-Senior-Guide Education Directory – Northern Nevada

Center for Healthy Aging, Larry Weiss, PhD

11 Fillmore Way, Reno, NV 89519

775-376-3210, larry@addinglifetoyears.com

Life Line, Emergency Response & RX Programs,

Provide life span respite training, OASIS                               CATCH, Healthy Habits, Elder Gap

 

Community Health Program/Urban Indians                            Outreach

745 W. Moana Ln., Ste. 375, Reno, NV 89502

1-775-788-7600

Health promotion, AIDS education

 

Continuing Education, UNR

18600 Wedge Pkwy., Reno, NV 89511,

(775) 784-4046. www.olli.unr.edu – Info and                          Locations. Lifelong Learning Institute                            Program for Retirement, Extended studies.

 

Downtown Reno Library

301 South Center St., Reno, NV 89501

775-327-8312. Please call for hours.

 

Moments of Memory, Lynette Schweigert

775-848-4757, momentsofmemory@charter.net

www.momentsofmemory.org. Art classes for                       those with Alzheimer’s & other dementias

 

Nevada Geriatric Education Center

Patricia Swager, M.Ed.

411 W. Second St. / MS #150, Reno, NV  89503

775-327-2285, www.medicine.nevada.edu/ngec

Continued education

 

Truckee Meadows Community College Education

5270 Neil Rd. #216, Reno, NV 89502

(775) 829-9010

Silver College 65+; Computer/Internet,                                Wellness, Creative Writing, Digital Camera’s &           Photography, Call for additional activities

 

Washoe County Senior Center Library

1155 E. 9th Street, Reno, NV 89512

(775) 328-2586. Open Tues-Fri, 9am-1pm

Large print, DVD (No VHS available), computers

Nevada-Senior-Guide Support Groups Directory – Southern Nevada

Adult Diabetes Education & Mgmnt.

West Charleston Library

6301 W. Charleston Blvd., LV, NV 89146

(702) 349-7370, www.diabetes-lasvegas.org

Support Group 2nd Tues. each month, 6-7:30pm

 

Alcoholics Anonymous

1431 E. Charleston Blvd., #15, LV, NV 89104-1734

702-598-1888, www.LVcentraloffice.org

Meeting Schedules, Telephone Reassurance,

12 Step-calls, literature

ALS of Nevada

4220 S. Maryland Pkwy., Bldg. B, Ste 404

Las Vegas, NV 89119

(702) 777-0500

Support Groups, ALS Clinic, Medical

Equipment to Lend (Lou Gehrig’s Disease)

 

Alzheimer’s Association S. Nevada Chapter

5190 S. Valley View Blvd.,#104, LV, NV 89118

(702) 248-2770, www.alzdsw.org

Referral Services, Resources, Support Groups,

24-hour Help Line 1-800-272-3900, respite
care, safe return program, education on
Dementia & Alzheimers

American Cancer Society

6165 S. Rainbow Blvd., Bldg. 12, LV, NV 89118

702-891-9009, www.cancer.org. Referral                             Service, call for appointment & event info.

American Diabetes Association

For diabeties info, call 702-369-9995 or

801-363-3024 x 7069, 888-342-2383

Resource/Referrals, Advocacy

American Lung Association

3552 W. Cheyenne Ave. #130, N. LV, NV 89032

(702) 431-6333, www.lungusa.org

Literature, Support Group, Better Breathers
Club, Freedom from smoking club

American Heart & Stroke Association

4445 S. Jones Blvd.,Ste. B1, LV, NV 89103

(702) 789-4370, www.strokeassociation.org

Resources to Physicians, hospitals, healthcare

professionals, and individuals, CPR classes

 

Arthritis Foundation Nevada

1368 Paseo Verde Pkwy, S-200B

Henderson, NV 89012. 702-367-1626

www.arthritis.org. Telephone Reassurance,                         Referral Service, Literature, Exercise Classes,         Aquatics, self-help programs

 

Cancer Connection

Comprehensive Cancer Centers of Nevada

3730 S. Eastern Ave., Las Vegas, NV 89109

(702) 952-3400 Call for Info and Locations

 

Divorced & Widowed Adjustment, Inc.

P.O. Box 26504, Las Vegas, NV 89106

(702) 735-5544, www.info4nv.org

Counseling Service

 

Epilepsy Support Group

Sunrise Hospital Auditorium

3186 S. Maryland Pkwy., LV, NV 89109

702-731-8115. 2nd Wed. of the month, 5:30pm.                     Meet other people with seizures

 

For the Cure, So. NV Affiliate

4850 W. Flamingo Rd., #25, LV, NV 89103

702-822-2324, www.komensouthernnevada.org

Education, Resources, Friendly Visitation,

Telephone Reassurance

Grief & Loss Support Groups

702-796-3157, www.NAH.org. Call for additional info

 

Hemophilia Foundation of Nevada

7473 W. Lake Mead Blvd., Ste 100, LV, NV 89128

(702) 564-4368, www.HFNV.org

Telephone Reassurance, Advocacy,

Education on bleeding disorders

Las Vegas Valley Lewy Body Dementia

Caregiver Support Group

Call (702) 789-8371 – Joan

Caregiver, Support group meets at Pacifica                          Green Valley: 2620 Robindale Rd., Henderson,                        last Monday of month – 2pm.

 

Leukemia and Lymphoma Society

6280 S. Valley View Blvd.,#342, LV, NV 89118

(702) 436-4220, www.lls.org/snv

Information Resource Center, Education,                             Referral, Financial Aid, Support Groups

 

Muscular Dystrophy Assn.

6320 W. Cheyenne #150, Las Vegas, NV 89108

(702) 822-6920, www.mgausa.org

Counseling, Telephone Reassurance, Medical                      Care, Referral, Medical equipment available,                           must be registered with Muscular Dystrophy

 

National Kidney Foundation

15490 Ventura Blvd., Suite 210

Sherman Oaks, CA 91403, 1 (800) 747-5527

Patient Helpline 1-855-653-2273

www.kidney.org. Info, Referrals.

National Multiple Sclerosis Society

2110 E. Flamingo, Ste., 203, LV, NV 89119

(702) 736-1478, www.nationalmssociety.org                         9am-5pm. Provide information, education,                   support services for families & persons with MS

Nevada Council on Problem Gambling

5552 S. Fort Apache Rd., Ste 100, LV, NV 89148

(702) 369-9740, www.nevadacouncil.org

Telephone Reassurance, Referral,

Problem Gambling Helpline:1-800-522-4700

 

Nevada Tobacco Users

Real help for smokers who want to stop.

Call 1-800-784-8669 (QUIT NOW)

 

No to Abuse – NV Outreach

621 S. Blagg Rd., Pahrump, NV 89048

Crisis line: 1-775-751-1118

Education, Food, Referral, 24/7 Crisis Line,                         Shelter, Counseling, Advocacy, Support                   Groups, intervention & prevention groups,                                parenting groups, shelter for domestic

violence, legal services

 

Ostomy Las Vegas – St. Rose Siena Hospital

Eastern and St. Rose Pkwy., Henderson, NV

Group meets from Sept. to June, 2nd Sat of                          Month, 2pm-4pm, 2nd Tues – Sept. – June, 7:30pm

www.ostomylasvegas.weebly.com

(702) 483-8116 for Info, snvostomy@gmail.com

 

Ovarian Cancer Alliance of Nevada

(702) 796-0430, www.ocan.org

Call for phone support from other women

 

Prostate Support Group, “Us Too”

702-917-7779, www.prostatetaskforce.nv.org

3rd Wed. of the month @7pm, St. Rose

Dominican Hospital, San Martin campus

8280 W. Warm Springs Rd. LV, NV

 

So. NV Association of Polio Survivors –

Las Vegas, Henderson, Pahrump & Boulder City

(702) 644-5091 – Diane. Call for locations.

Support Group for polio survivors , monthly

meetings every 3rd Saturday at 1pm, sharing

knowledge, information, social activities

Sunrise Hospital Breast Cancer Support

The Breast Cancer Center at Sunrise

3006 S. Maryland Pkwy., Ste. 250 LV, NV 89109

Oncology Nutrition Program: 6-7:30pm,

3rd Wed of the Month, need to RSVP

(702) 784-7870. Taichi: Thursdays

11am – 12pm, $5. Call for other programs.

 

Sunrise Hospital Stroke Support Group

Sunrise Hospital – Auditorium

3006 S. Maryland Pkwy., Las Vegas, NV 89109

Meet other people that have suffered a stroke.

3rd Wednesday of the month at 6pm. Free                              and open to the public. Registration not                    required. Learn valuable, educational info about                      strokes. This class is for adults only and you are
welcome to bring a friend or loved one.

Call 702-784-7983 for more info.

 

The Barbara Greenspun Women’s

Care Center of St. Rose

2651 Paseo Verde Pkwy, Ste. 180

Henderson, NV 89074, (702) 616-4902

Senior peer counseling for seniors 50+,
issues such as loss, bereavement, health                                problems, relationships and retirement

 

The Center – Wize Womyn

401 S. Maryland Pkwy. LV, NV 89101

702-733-9800, www.thecenterlv.org

Social and support group for LGBTQ Senior

drop ins. M-F 10:30am-2pm

 

The Center (Gay Men’s Forum)

401 S. Maryland Pkwy., LV, NV 89101

702-733-9800, www.thecenterlv.org

Social and support group for gay and bisexual                    men of all ages, each Wed. at 6pm.

 

Veterans National Caregivers Support Line

1-855-260-3274 VA Clinic Info 8am-8pm EST.

caregiver.va.gov

Nevada-Senior-Guide Counseling Services Directory – Southern Nevada

Bridge Counseling Associates

1640 Alta Dr., Ste 4, LV, NV 89106

702-474-6450

www.bridgecounselingassociates.org

Alcohol, Substance Abuse, Sliding Scale

Unless Court Ordered

Community Counseling Ctr.

714 E. Sahara, Suite 103, LV, NV 89104

(702) 369-8700. Counseling Services:
Mental health, grief and addiction therapy,

HIV groups, Stress & anger management

M-F, 7:30am-8pm, substance abuse

 

Financial Guidance Center

2650 S. Jones Blvd., LV, NV 89146

(702) 364-0344, www.ccsnnevada.org

Counseling Service: Financial, Education for

credit & checking account, budgeting and                            identity theft, BK & reverse mortgages,

Pre and Post BK counseling, Delinquent

housing, First Time Buyers, Development &
Education for small business. Call for

Henderson location appointments

 

Nevada State Medicare (SHIP)

1820 E. Sahara Avenue, Suite 205

Las Vegas, NV 89104, (702) 486-3478

Medicare State Health Insurance Assistance

Program, Medicare Counseling

1-800-307-4444 General Information

 

State of Nevada Suicide Prevention

1-800-992-5757 – Crisis Hotline (NV Only)

1-800-273-8255 – Suicide Prevention

1-800-784-2433 – National Line & Veterans Crisis

 

The Barbara Greenspun Women’s Care

Center of St. Rose

2651 Paseo Verde Pkwy., Ste. 180

Henderson, NV 89074, (702) 616-4902

www.strosehospitals.org

Senior peer counseling for seniors 50+,

issues such as loss, bereavement, health problems, relationships and retirement,

counseling, support groups, screening

The Center For Compassionate Care

4131 Swenson St., LV, NV 89119, 702-796-3167

www.centerforcompassionatecare.org

Assistance for those facing life-limiting

illness

Nevada-Senior-Guide The Bridge – Las Vegas

www.thebridgeatparadisevalley.com

The Bridge

The Bridge of Paradise ValleyRetirement when you want it. Assistance when you need it.Imagine living in a beautiful, peaceful environment, surrounded by friends and activities.

Enjoy an enriching retirement at The Bridge at Paradise Valley

Our community facilities are specifically designed to encourage seniors to live their retirement years as actively and as independently as possible. Assisted Living at The Bridge at Paradise Valley allows seniors to live carefree lifestyles – because we take care of the details! Our services include restaurant-style dining, housekeeping, and apartment maintenance. We are committed to making The Bridge at Paradise Valley a place you will love to call home right here in Las Vegas Nevada!

The Bridge at Paradise Valley features the finest in Assisted Living. With stunning surroundings, outstanding services and an abundance of amenities, our residents are proud to call The Bridge at Paradise Valley home. Independent Living combines community living with the privacy of your own apartment, and Assisted Living offers the same amenities in addition to personalized services. From a dynamic activities schedule to our hospitable staff, our goal is to promote an active, carefree lifestyle.

Our residents enjoy restaurant-style dining, housekeeping services, scheduled transportation, apartment  maintenance and a full calendar of recreational and wellness activities as part of a convenient,  month-to-month lease.  And, from live  entertainment to themed parties and local outings, our events are catered to seniors.

We welcome the opportunity to introduce you to our services  and to show you how The Bridge at Paradise Valley offers a rejuvenating retirement  lifestyle.

The Bridge at Paradise Valley is part of the Century Park family of senior living communities. Headquartered in Chattanooga, Tennessee, Century Park manages senior retirement properties located throughout the   United States.

Discover The Bridge at Paradise Valley

Life at The Bridge at Paradise Valley offers opportunities and advantages that seniors in the Las Vegas region have come to love and want to keep as part of their active lifestyle.

Las Vegas, Nevada, is more than just bright lights and luxury resorts. It is a great place to live. Located at the southern tip of the Sierra Nevadas, Las Vegas was founded by Mormon missionaries in 1902. World class shopping, dining, and entertainment are all easily accessible from The Bridge at Paradise Valley.

There are plenty of activities available to the Assisted Living residents at The Bridge at Paradise Valley. Some of the weekly choices include Bingo, card games, and Wii games. However, there is always time for relaxation, and The Bridge at Paradise Valley’s park-like grounds – which include a gazebo and a picnic area – are the perfect place for a leisurely visit with family or friends.

Senior Care Facility located in Las Vegas Nevada

Outstanding Retirement Services and Amenities

At The Bridge at Paradise Valley, you will discover a truly unique way to live.  We specialize in combining elegant amenities with the comforts of home.  Our outstanding services are offered in an inviting atmosphere where caring, professional staff lavish you with attention while respecting your individuality and privacy.

Facilities

  • Several apartment floor plans to choose from
  • Community dining room
  • Wellness center
  • Cozy lounge with fireplace
  • Beauty salon and barber shop
  • Gift shop
  • Ice cream parlor
  • Library

Services

  • Delicious restaurant-style dining three times each day planned by a registered dietician
  • Daily living assistance including bathing, dressing, and medication management
  • Transportation throughout the week
  • Housekeeping service

Activities

  • Wii games
  • Bingo
  • Restaurant outings
  • Exercise classes
  • Afternoon socials
  • Many other social, recreational, educational programs, and cultural events

Grounds Features

  • Landscaped courtyards with gazebo and picnic area
  • Beautifully maintained grounds perfect for walking

 

 

2205 E. Harmon
L.V. NV 89119
702-369-6964


Assisted living communities offer help with non-medical aspects of daily activities in an atmosphere of separate, private living apartments that encourage independence. In addition to providing meals, transportation for medical appointments, activities and pleasure trips, assisted living provides linens and laundry service, assistance with dressing and bathing, reminders regarding medication, and assistance with eating, transferring to and from a wheelchair, toileting, etc. This group setting also provides daily social activities and entertainment for the residents.

Nevada-Senior-Guide Silver Sky at Deer Springs – Las Vegas

www.silverskylasvegas.com 

NSG_FebMarApr_2016_Web-13

Silver Sky at Deer Springs

An Exceptional Retirement and Assisted Living Community for Nevada Seniors

Silver Sky at Deer Springs Assisted Living pulled out the stops to create a family-style Retirement and Assisted Living setting while providing services that reflect both quality and caring. We feel it’s so exceptional that it places us in a class of our own.

The Deer Springs staff takes pride in their jobs and provide quality services tailored made to meet your every need. They’ll take time to get to know you personally and to put a smile on your face too. It isn’t their intention to become part of your family but when they spend as much time with you as they do, it just happens.

The Deer Springs staff takes pride in their jobs and provide quality services tailored made to meet your every need. They’ll take time to get to know you personally and to put a smile on your face too. It isn’t their intention to become part of your family but when they spend as much time with you as they do, it just happens.

State of the Art Kitchen

Silver Sky at Deer Springs Assisted Living is bright, clean, and spacious. When friends and family visit they will enjoy your apartment home because of the attractiveness, details, freshness and personality built into the design. Each apartment comes equipped with a refrigerator/freezer and microwave oven. Our classic design and colors are suitable for all tastes and create a lot of compliments.

Outside your personal apartment at Silver Sky at Deer Springs Assisted Living you’ll find plenty of space to share and enjoy with family and friends. A brightly decorated reception area and lobby, library, living room, activity room and a delightful Bistro for beverages, snacks, ice cream and plenty of visiting await you.

Recreation Room

Knowing the importance of quality of life, Silver Sky at Deer Springs Assisted Living supports dignity, independence, choices, flexibility, and style for seniors who thrive on quality of life.

Silver Sky at Deer Springs Assisted Living serves the needs of all seniors in compliance with Fair Housing Laws and the general public seeking affordable housing. (Income restrictions apply).

Our Neighborhood

Our Apartments Are Centrally Located

A shopping center is only a block away and is home to many stores and shops including Wal-Mart, Costco, Stein Mart, Wells Fargo Bank, Bed Bath and Beyond as well as many great restaurants, and other shopping is close at hand.

Centennial Hills Hospital Med Center is just five and half miles away and Mountain View Medical Center is a short 7 miles away.

Services

Assisted Living Services

If and when you need a little extra help, we can assist you with the activities of daily living. These services are provided in the comfort of your apartment home without necessitating a need to move. Some of our services include: Personal laundry, daily housekeeping, medications, bathing, and dressing, transportation, hygiene, and nutrition.

Emergency Communication System

All apartments are connected to an emergency communication system that allows residents to reach our staff 24 hours a day, seven days a week, in case of emergency.

Transportation

We provide scheduled transportation for shopping trips, organized social and recreational activities, and medical and dental appointments.

Dining

The dining room is open, airy, and intimate yet comfortable and provides you with three nutritious meals daily.  Our Executive Chef’s at Silver Sky and at Deer Springs love to create fresh and flavorful meals with variety and nutrition and always with your health in mind. In fact, our menus are seasonal and reviewed by a Registered Dietician. Invited Guests and Family are always welcome to dine with you.

Our culinary team prepares over 200,000 meals annually and savors the opportunity to create your favorites! Theme dinners are offered throughout the year to celebrate special events such as Cinco De Mayo, St. Patrick’s Day, Thanksgiving, and the entire holiday season plus special luaus and so much more.

Veteran Information

Any wartime veteran with 90 days of active duty, one day beginning or ending during a period of war, is eligible to apply for the Aid & Attendance Improved Pension. A surviving spouse may also apply. The individual applying must qualify both medically and financially.

To qualify medically, a wartime veteran or surviving spouse must need the assistance of another person to perform daily tasks, such as eating, dressing or undressing, taking care of the needs of nature, etc. being blind or in a nursing home for mental or physical incapacity, or residing in an assisted living facility also qualifies.

Eligibility must be proven by filing the proper Veterans Application for Pension or Compensation. This application will require a copy of DD-214 or separation papers, medical evaluation from a physician, current medical issues, net worth limitations, and net income, along with out-of-pocket medical expenses.

To qualify financially, an applicant must have on average less than $80,000 in assets, excluding their home and vehicles.

You must still be income qualified as well as pass the other qualifiers to become a resident at Deer Springs Assisted Living.

FAQ’s

What’s Included in my Monthly Fees?

Monthly fees include all utilities (with the exception of phone and internet), breakfast, lunch and dinner. Also included are weekly housekeeping, bus transportation, and fun activity and wellness programs, concierge service, educational and cultural events and 24-hour staffing.

Do You Accept Veterans?

Yes we do.

How is behind Silver Sky? Are the communities stable places to live?               Yes, they are stable communities.

How is the food?

The food is great. If you’d like, stop by some time and try it out.

Is living at a Silver Sky Community fun?

Our residents think so. We have a slate of fun things to do and keep you active.

What’s the staff like at your communities?

We invite you to schedule an appointment to meet everyone.

Do you have two bedroom apartments?

Yes we do.

 

Nevada-Senior-Guide Life Care Centers of America – Las Vegas

http://www.lcca.com/

NSG_AugSeptOct2016_Web-12

About Life Care

Your family is special with its deep bonds and unique relationships. Facing a dramatic change – such as moving a loved one into assisted living or a nursing home – is an unsettling prospect for most people. Life Care Centers have helped families for decades to work through the difficult decisions about how best to care for their loved ones. We understand how trying it is to choose nursing home care for your loved one, and how most struggling caretakers feel there is no other choice.

That’s why we’re here.

We want those special members of your family to become equally special members of ours. We want to relieve the anxiety and frustration you may be experiencing by providing a nursing home community of constant support, attention and personalized care. Above all, we want to serve each person entrusted to us with compassion, dignity, purpose and respect.

That’s not just our goal. It’s our privilege.

Services

At Life Care Centers of America, we take elderly care very seriously. That’s why we offer residents a wide range of living arrangements and amenities, services and care. From home assisted living to retirement living to nursing homes – and even campuses that offer all three in a continuum of care – Life Care has the experience, expertise, and dedication to provide a full scope of specialty services.

Whether your needs include Alzheimer’s care, in-home nursing care, rehabilitation or recovery help, or any of a number of other specialty services, Life Care will be there, with all the support, education, and commitment you and your loved one need.

Rehabilitation

Life can deliver some unexpected twists: accidents, sudden illnesses or emergency surgeries can happen when you least expect them. And in the aftermath of such events, your energy is focused primarily on recovery—trying to also find the best available resources for help can be pretty challenging.

At Life Care, we understand the intense desire to recuperate and get back to normal as quickly as possible. But serious illness or trauma can sometimes force you to relearn even basic functions. The struggle to regain those lost capabilities while still recovering is frustrating and often overwhelming.

That’s when our teams of experts can make an overwhelming difference. Our skilled therapy services can hasten your recovery, help return lost skills and bring back strength and mobility. Our caring professionals work tirelessly with our residents not only in physical areas, but also by constantly supporting and encouraging them emotionally.

We believe our residents are the extraordinary people who refuse to allow temporary setbacks or disabilities to affect them permanently. Their determination and effort become invaluable tools in the rehabilitation process.

And it is our greatest privilege to partner with them—or you, or your loved one—during recovery … and become your strongest advocates in the road to reclaiming total wellness.

Life Care Centers of America

The sun setting is no less beautiful that the sun rising.

Imagine living in a beautiful, peaceful environment, surrounded by friends and activities.

Caring for Life…
Since 1970, Life Care Centers of America has been providing unequaled nursing care and assisted living service. Our continuum of care campuses give our residents an individual care plan through various levels of care. But it\’s our commitment to quality and professionalism that makes us second to none.

2325 E. Harmon
Las Vegas, NV 89119
702-798-7990

nevada-senior-guide Pacifica Henderson


Henderson Senior Living – Pacifica Green Valley

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

Living Options

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

Services and Amenities

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

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

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

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

Pacifica Senior Living Amenities Include:

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

Our separate, secured memory care community offers:

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

Cottages of Green Valley

(702) 992-0000 

2620 Robindale Road 

Henderson

West of Pecos

 

Nevada-Senior-Guide Atria Sutton – Las Vegas

www.atriasutton.com

NSG_FebMarApr_2013_Web24

Atria Sutton Terrace

Atria Seville Terrace,
Atria Sunlake Terrace
and Atria Sutton Terrace
Who Knew?Who knew senior living could provide me with so much independence?I moved into an Atria assisted living community. Now, I spend less time doing things I had to do more time doing the things I love. Hassle-free living in a fun and friendly environment – I couldn\’t ask for more. Experience the Atria lifestyle for yourself. Call today for a tour and be our guest for lunch.Call today to dine with us and tour our community.Atria Seville2000 N. Rampart
Las Vegas, NV 89128702-804-6800Atria Sunlake3250 S. Fort Apache Rd.
Las Vegas, NV 89117702- 256-6500Atria Sutton3185 E. Flamingo Rd.
Las Vegas, NV 89121702-436-9000

 

 

Among the Best Las Vegas Retirement Communities in Nevada

At Atria Sutton, you’ll find a charming, elegant Las Vegas retirement community with senior assisted living apartments and senior care personalized to meet your needs. Invite friends and family to celebrate special occasions in our festive common areas, or relax by the beautifully landscaped courtyards and grounds. Atria Sutton offers independent and assisted living options, and is just minutes from the bright lights of the Las Vegas, NV, strip. Convenient to nearby shopping, fine dining and three major hospitals, Atria independent retirement communities in Las Vegas are second to none.

Whether you are considering Las Vegas independent retirement communities or assisted senior living in Nevada, Atria Sutton is ready to serve your needs.

Services

  • A choice of floor plans
  • A full-time events director
  • An emergency call system in every apartment
  • Assistance with activities of daily living
  • Concierge
  • Delicious meals served restaurant-style daily
  • Medication assistance
  • Retreat/temporary stays
    Atria offers a respite (retreat) program for seniors who need assisted living services on a short-term basis. Atria Retreat permits seniors to test the waters of senior living. By allowing guests to stay for a short time in an Atria community, potential residents can decide if senior living is right for them. The retreat program is also an alternative to high-cost inpatient rehabilitation following an illness or surgery. Should a patient be ready to leave the hospital but not ready to go home, Atria offers the comforts of home and 24-hour assistance until they get back on their feet. All of our Retreat guests enjoy the same great amenities as our full-time residents, including delicious meals served daily, a full calendar of social activities, scheduled transportation service and more.
  • Scheduled local transportation
    Local scheduled transportation is available to residents for medical appointments, shopping, religious services and other desired local destinations.
  • Trained staff available 24 hours a day

Amenities

  • Cafe with complimentary snacks and beverages
  • Computers
    Our community provides computers with Internet access specifically for resident use. Staying in touch with family and friends and staying connected to the world is important to our residents, and we want to make it easy to shop online, research, play games and more.
  • Engage Life programming
    Explore our events programming, tailored to nurture the mind, body and spirit of every resident.
  • Pets welcome
    We recognize pets are important members of the family. That’s why our community allows them in residents’ apartments. Moving to a new home doesn’t have to mean leaving your furry friend behind – instead, they can enjoy the benefits of Atria with you.
  • Worship space

Nevada-Senior-Guide Atria Sunlake – Las Vegas

www.atriasunlake.com

NSG_FebMarApr_2013_Web24

Atria Sunlake Terrace

Atria Seville Terrace,
Atria Sunlake Terrace
and Atria Sutton Terrace

Who Knew?

Who knew senior living could provide me with so much independence?

I moved into an Atria assisted living community. Now, I spend less time doing things I had to do more time doing the things I love. Hassle-free living in a fun and friendly environment – I couldn\’t ask for more. Experience the Atria lifestyle for yourself. Call today for a tour and be our guest for lunch.

Call today to dine with us and tour our community.

Atria Seville2000 N. Rampart
Las Vegas, NV 89128702-804-6800

Atria Sunlake3250 S. Fort Apache Rd.
Las Vegas, NV 89117702-256-6500

Atria Sutton3185 E. Flamingo Rd.
Las Vegas, NV 89121702-436-9000

 

Discover Superior Senior and Assisted Living in Las Vegas, NV, at Atria Sunlake

Atria Sunlake is a charming assisted living community nestled in the heart of one of the most desirable neighborhoods in Las Vegas, Nevada. With a full social calendar and a 24-hour staff of caregivers, residents will find the support they need to participate in active and independent living. Atria Sunlake is conveniently located near the distinctive Sahara West Library, and is close to shopping, restaurants and places of worship that enable a more fulfilling retirement living experience.

Beautiful landscaping along with luxurious interiors create an elegant assisted living community. Our attentive care staff supplies exceptional 24-hour senior care, making Atria Sunlake superior to surrounding Nevada retirement living communities.

Services

  • A choice of floor plans
  • A full-time events director
  • An emergency call system in every apartment
  • Assistance with activities of daily living
  • Concierge
  • Delicious meals served restaurant-style daily
  • Medication assistance
  • Retreat/temporary stays
    Atria offers a respite (retreat) program for seniors who need assisted living services on a short-term basis. Atria Retreat permits seniors to test the waters of senior living. By allowing guests to stay for a short time in an Atria community, potential residents can decide if senior living is right for them. The retreat program is also an alternative to high-cost inpatient rehabilitation following an illness or surgery. Should a patient be ready to leave the hospital but not ready to go home, Atria offers the comforts of home and 24-hour assistance until they get back on their feet. All of our Retreat guests enjoy the same great amenities as our full-time residents, including delicious meals served daily, a full calendar of social activities, scheduled transportation service and more.
  • Scheduled local transportation
    Local scheduled transportation is available to residents for medical appointments, shopping, religious services and other desired local destinations.
  • Trained staff available 24 hours a day

Amenities

  • Cafe with complimentary snacks and beverages
  • Engage Life programming
    Explore our events programming, tailored to nurture the mind, body and spirit of every resident.
  • Pets welcome

Nevada-Senior-Guide Atria Seville – Las Vegas

www.atriaseville.com

NSG_FebMarApr_2013_Web24

 

 

 

 

 

 

 

 

 

 

 

 

 

Find Exceptional Senior and Assisted Living in Las Vegas, NV, at Atria Seville

At Atria Seville, residents find a welcoming assisted living community nestled in a serene residential neighborhood. Take a relaxing walk in one of two landscaped courtyards or practice computer skills in the on-site business center. Atria Seville offers spectacular views of Nevada’s Spring Mountains and the Las Vegas skyline.

Atria Seville provides a uniquely sophisticated assisted living experience, complete with a variety of senior housing options, extraordinary senior care, delicious restaurant-style dining, and a dedicated 24-hour care staff. With quality service as our number one priority, Atria Seville provides an independent living environment far superior to other retirement living communities in Nevada.

Services

  • A choice of floor plans
  • A full-time events director
  • An emergency call system in every apartment
  • Assistance with activities of daily living
  • Concierge
  • Delicious meals served restaurant-style daily
  • Housekeeping and linen services
  • Medication assistance
  • Retreat/temporary stays
    Atria offers a respite (retreat) program for seniors who need assisted living services on a short-term basis. Atria Retreat permits seniors to test the waters of senior living. By allowing guests to stay for a short time in an Atria community, potential residents can decide if senior living is right for them. The retreat program is also an alternative to high-cost inpatient rehabilitation following an illness or surgery. Should a patient be ready to leave the hospital but not ready to go home, Atria offers the comforts of home and 24-hour assistance until they get back on their feet. All of our Retreat guests enjoy the same great amenities as our full-time residents, including delicious meals served daily, a full calendar of social activities, scheduled transportation service and more.
  • Scheduled local transportation
    Local scheduled transportation is available to residents for medical appointments, shopping, religious services and other desired local destinations.
  • Trained staff available 24 hours a day

Amenities

  • Cafe with complimentary snacks and beverages
  • Computers
    Our community provides computers with Internet access specifically for resident use. Staying in touch with family and friends and staying connected to the world is important to our residents, and we want to make it easy to shop online, research, play games and more.
  • Engage Life programming
    Explore our events programming, tailored to nurture the mind, body and spirit of every resident.
  • Fitness center
    We recognize the importance of your physical and emotional well-being. And we also know that regular exercise is key to good health. That’s why our community offers an in-house fitness center with exercise equipment designed with older people in mind.
  • Pets welcome
    We recognize pets are important members of the family. That’s why our community allows them in residents’ apartments. Moving to a new home doesn’t have to mean leaving your furry friend behind – instead, they can enjoy the benefits of Atria with you.
  • Worship space
     Religious services are offered in our community, and transportation may also be available to residents to any place of worship they choose.


 

Nevada-Senior-Guide Oakhill Apartments – Las Vegas

www.oakhillseniorliving.com

Welcome to Oak Hill Senior Living!

Oak Hill Senior Living offers 121 beautiful retirement apartments in Las Vegas, Nevada. Our apartments include studio, one-bedroom and two-bedroom units. Many include a charming kitchenette and spacious bath.

Enjoy three excellent meals each day in our beautiful dining room. At Oak Hill, you can enjoy a full activity calendar with both inside and outside events to engage your mind, body and spirit. Weekly housekeeping and scheduled transportation is also part of your reasonable monthly fee.

Throw away your vacuum cleaner! Get rid of your toilet brush! Donate the lawnmower! Because at Oak Hill Senior Living Community, we take care of the chores so you don’t have to.

Oak Hill is more than a place to live – it’s a place to call home and it is a community for you to enjoy. If you have not been in for a tour, call us today for a complementary lunch and personal tour of this wonderful opportunity.

Amenities

Life in Our Community

Living at Oak Hill is an ideal lifestyle. Three meals are available to you each and every day; we do the cooking and the dishes. Or if you opt, your beautiful kitchenette gives you opportunity to enjoy a meal in your apartment.

You have worked hard for a long, long time. Put your feet up and let Oak Hill’s housekeepers do the vacuuming, the dusting, mop the bathrooms, and clean out the shower each and every week. They even change the flat linen.

Here you’ll find personal touches and activities unique to our vibrant community. Oak Hill’s activity program allows the flexibility to be as relaxed or active as you like. Here you have the option of taking up new hobbies as well as continuing with old favorites.

We’ve taken extra effort to ensure each detail at Oak Hill is above par when it comes to your enjoyment and convenience.Frequent trips around town will enable you to continue your active lifestyle while still enjoying extras such as weekly housekeeping, linen service, and landscaping. Escape to Oak Hill Senior Living and join us for the good life.

Your monthly rental rate includes the following programs and services:

  • Three delicious meals each day along with a 7:30 a.m. to 7:00 p.m. beverage bar
  • Weekly housekeeping
  • Paid utilities (except cable and personal telephone)
  • 24-hour security
  • Maintenance and grounds-keeping service
  • Scheduled transportation to doctor’s appointments, shopping, outings, tours, and more
  • Planned group activities and special events

Nevada-Senior-Guide Acacia Springs – Las Vegas

www.acaciaspringsseniorliving.com

8630 West Nevso Drive, Las Vegas

Call: 1-888-714-1842

Acacia Springs

Acacia Springs Retirement CommunityCelebrating One-Year Anniversary”NO LEASE REQUIRED”We Welcome You To Visit Acacia Springs And Experience the Difference For Yourself!

  • One & Two Bedroom Floorplans
  • Dining Room
  • Scheduled Transportation
  • Fitness Center
  • 60 Seat Movie Theater
  • Heated Pool
  • Indoor Jacuzzi
  • Library
  • Game Room with Billiards Table
  • Computer Lab/Internet Access
  • Arts & Crafts Room
  • Putting Green
  • Ice Cream Soda Shoppe
  • Pam’s Beauty/Barber Salon on-site
  • Care 4 Life on-site
  • Pet Friendly
  • Weekly Housekeeping & Services
  • 3 Delicious Meals Daily
  • Transportation

FREE LUNCH WITH TOUR!

8630 W. Nevso Dr.
Las Vegas, NV 89147
1 Block South of Flamingo & Durango

702-942-8700

Welcome to Acacia Springs

Our philosophy of service at Acacia Springs Independent and Assisted Living encourages an active and independent senior lifestyle that supports residents’ privacy and dignity. Our senior apartments are considered the premier Las Vegas senior retirement community. Acacia Springs provides Assisted Living and Independent Living services. Our community environment is rich in daily activities, with restaurant-style dining, graciously appointed interiors and apartment styles. Our senior housing environment provides full-service senior living with resort-style amenities in the heart of Nevada, serving Henderson, Las Vegas, North Las Vegas, Spring Valley, Sunrise Manor, and surrounding communities. Come see for yourself.

Services and Amenities

Great location, beautiful apartment homes and a commitment to providing a quality lifestyle make Acacia Springs a retirement community you can rely on for Assisted Living and Independent Living. Our assisted living facilities provide residents with choices that encourage independence in a retirement home environment with a caring and compassionate staff.

Individual Preferences

The Individual Preferences of our residents are the guiding principle in Assisted Living and Independent Living at Acacia Springs. Our residents choose how to live each day in our retirement community to maximize their senior living experience.


 Assisted living communities offer help with non-medical aspects of daily activities in an atmosphere of separate, private living apartments that encourage independence. In addition to providing meals, transportation for medical appointments, activities and pleasure trips, assisted living provides linens and laundry service, assistance with dressing and bathing, reminders regarding medication, and assistance with eating, transferring to and from a wheelchair, toileting, etc. This group setting also provides daily social activities and entertainment for the residents.

A full service community offers all the benefits of upscale independent living with the added features of restaurant style meals, housekeeping, laundry service and all utilities paid (except phone an cable). Transportation is provided to doctor appointments and community social outings.

 

 

Las Vegas Level of Care Directory

August 10, 2011 by · Leave a Comment
Filed under:  

Nevada Senior Guide: Level of Care Directory – LAS VEGAS

Definitions:

  • Retirement Community: Complete independent living with amenities such as transportation, daily scheduled activities, housekeeping, and full meals.
  • Assisted Living: Assistance is provided for daily activities such as dressing, bathing, grooming and medication management.
  • Memory Care: Specialized facility for residents suffering from Alzheimer’s Disease or any other form of dementia in a secure environment.
  • Category 1: Resident must be able to leave their bedroom area in 4 minutes or less with no assistance in case of fire or emergency.
  • Category 2: Resident must be able to leave their bedroom area in 4 minutes or less with assistance in case of fire or emergency.
  • Rehab: Skilled nursing services providing rehabilitation as prescribed by a doctor.
  • Respite: 24 hour care for anyone in need of assistance, including memory care for a short period of time. Usually 7 – 30 days.
  • Skilled Nursing Facility: Provides skilled nursing services under the supervision of licensed nurses.
  • Intermediate Care: Offers a level of care between an Assisted Living facility and a Skilled Nursing facility under the supervision of licensed nurses.
  • Long Term Acute Care: Offers a higher level of medical care and rehabilitation than is offered at a skilled nursing facility for long or short term stays.

  • 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!