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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.

Free Senior Safety Fair – Seniors And Law Enforcement Together – (S.A.L.T.) Council and the Senior Medicare Patrol (SMP)

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

The Seniors And Law Enforcement Together – (S.A.L.T.) Council and the Senior Medicare Patrol (SMP) are asking for support at an important annually sponsored event.

 

The SALT Council and SMP will be holding it’s free “Senior Safety Fair” on Wednesday, May 14th 2014 at Clark County’s Paradise Community Center located at 4775 South McLeod Drive 89121.

The SALT Council is comprised of core members to include but not limited to the Las Vegas Metropolitan Police, North Las Vegas Police Department, State of Nevada Elder Protective Services, Southern Nevada Senior Law Program, Nevada Senior Services, Senior Medicare Patrol (SMP), Nevada State Attorney General’s Office, City of Las Vegas, Clark County, City of Henderson, Clark County District Attorney, ITN Las Vegas Valley, S. Nevada Transit Coalition, Nevada 2-1-1, Social Service Providers, Professional Senior Service Providers, and Volunteer Senior Citizens and Clark County Coroner and Medical Examiner’s Office just to name a few.

 

S.A.L.T. is a full non-profit 501c3.

 

The group is looking assistance in getting the word out to all southern Nevada senior citizens about this free safety event to help increase all safety and prevention methods for our seniors residents.

 

If you have any questions please contact Kim Harney-Moore (SMP) or Carol Ferranti (LVMPD) (contact info are listed below):

 

Kim Harney-Moore; SMP Director
Nevada Senior Medicare Patrol (SMP)
Empowering Seniors to Prevent Healthcare Fraud
702-486-4323
kkharneymoore@adsd.nv.gov

 

OR

 

Carol Ferranti; Crime Prevention Specialist
Las Vegas Metropolitan Police Department – South Central Area Command (SCAC)
4860 Las Vegas Blvd. South
Las Vegas, NV 89119
Office: 702-828-8163
C7859F@lvmpd.com

Enjoy life more – your body will age better, study shows

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

A new study from the UK and published in the Canadian Medical Association Journal claims that people who enjoy life will have better physical function and faster walking speeds than their more pessimistic counterparts.

We already know there are health benefits associated with a positive outlook on life. A study from 2013 suggested people who have happy marriages also enjoy better physical health than couples in stressful marriages.

In 2012, Medical News Today reported on a study by researchers at University College London (UCL) in the UK, which found seniors who enjoy life more tend to live longer.

As part of a follow-up study testing the link between happiness and physical performance, the UCL researchers have assessed the enjoyment of life of 3,199 participants aged 60 years or older.

Enjoying life makes your body work better?

The participants in the study were asked to rate on a four-point scale how much they subscribed to the following statements: “I enjoy the things that I do,” “I enjoy being in the company of others,” “On balance, I look back on my life with a sense of happiness” and “I feel full of energy these days.”

senior citizens playing video games
The study found that seniors who enjoy life had better physical function than unhappy people.

Interviewing the people in the study, the researchers then assessed to what extent they had difficulty performing daily activities, such as bathing or getting dressed. They also measured the walking speed of the participants.

The study found that people who had a low sense of well-being were more than three times as likely to experience problems in performing daily activities.

“Our results provide further evidence that enjoyment of life is relevant to the future disability and mobility of older people,” says Dr. Steptoe, co-author of the study.

Continue reading here:  http://www.medicalnewstoday.com/articles/271486.php

Keep it simple to move seniors successfully

November 25, 2013 by · Leave a Comment
Filed under: Articles 

According to experts, from 2000 until 2011, senior citizens 65 years and older grew nearly 18 percent, up to 41.4 million. Nearly 81 percent of that age group owned homes at the end of 2011.

Children and families of the Baby Boomer generation — people born between 1946 and 1960 — will soon find themselves helping elderly loved ones move.

Moving a senior family member is challenging. No one wants to upset that person, and everyone wants the move to go as smoothly as possible. This can sometimes seem like an impossible task.

The important thing to remember when moving a senior is to stay organized and calm throughout the move, say the experts at TWO MEN AND A TRUCK®. When moving a senior into a living facility, consider contacting management to find out what can be brought onto the campus, what are appropriate moving hours, and do they have any best practices for the move.

Remember:

  • Start packing several weeks in advance. Pack early to avoid being overwhelmed as moving day draws near.
  • Wrap small items in colored paper. This prevents items such as knick-knacks from becoming lost or thrown out.
  • Label boxes on top and sides. Mark the top and sides of boxes as they’re packed. Make sure to label boxes containing breakable or sentimental items with “fragile.”
  • Pack all electronic equipment in original boxes. Otherwise use low-static bubble wrap when packing these items
  • Always use packing paper. When wrapping fine china and precious items, the ink from printed newsprint may bleed onto valuables.
  • Sealing all boxes with packing tape. This makes it easier to stack and protect belongings.
  • Use boxes designed for the items you are packing. Use dish pack boxes for dishes and wardrobe boxes for clothing.

TWO MEN AND A TRUCK® is the largest franchised moving company both in the United States and internationally. Currently there are more than 240 national locations and 1,500 trucks operating in the U.S.; in total, the company operates 260 locations and 1,600 trucks. TWO MEN AND A TRUCK® has performed more than 4.5 million moves since its inception in 1985. The company has seen consistent monthly growth dating back to December 2009 and more than 20 months of double-digit growth. Each location is independently owned and operated. Visit twomenandatruck.com.

Contact: Dawn Kroeger
dawn.kroeger@twomen.com
(517) 803-2901

Animal-Senior Citizen Companionship Leads to Improved Overall Health

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

 The mental and physical benefits of animal companionship have been praised across the world, from seeing-eye dogs to therapy dogs to household pets. According to the US Pet Ownership and Demographics Sourcebook, there are approximately 70 million pet dogs and 74 million pet cats in the United States. Of this number, about 63 percent of pets are considered to be members of the family. Now, pet adoption companies are utilizing the health improvements to better the quality of life for senior citizens.

“The pairing of seniors with calm, manageable adult dogs and cats has yielded amazing vitality and unparalleled effects, the feeling of loneliness dissolves and a reason to be active arises,” affirms Will Post, CEO of Hound & Gatos Pet Food, whose mission is to provide the public with high-quality pet food options for dogs and cats. “The simple presence of animal companionship can provide amazing health benefits that truly lift a senior’s mental and physical state because they have someone to depend on and someone who depends on them.”

The Center for Disease Control and Prevention reports that pets can reduce stress, lower blood pressure and cholesterol levels, in addition to increasing social interaction and physical activity. Add unconditional love, purpose, and that special something to care for and nurture, and you have an elixir for senior citizens.

According to Pet Partners, seniors with pets experience fewer minor health issues when visiting their doctor, and overall better health and mental well-being.  Pets are also praised for reducing loneliness and depression, two major factors that can lead to an unhealthy body and mind. Since dogs live in the present, their focus on ‘today’ tends to rub off on their owners, resulting in managing anxiety levels.

“These positive results of animal companionship for seniors is one more reason to encourage the ownership and nurturing of pets for the seniors of today. We are only beginning to document these facts determining the health benefits of pet ownership for the elderly, though animal lovers have always suspected it. Their contribution to a better quality of life being recognized can only lead to happier and healthier seniors, something we can all be excited about,” says Post.  “The importance of love proves to be a major force in life no matter what age one might be.”

Research continues to show that pets help people of all ages enjoy a much fuller and rewarding life, and the mission of Hound & Gatos Pet Food Corporation is to try to create cat and dog formulas that can ultimately improve our beloved pet’s vitality and longevity. Dubbed as the original Paleolithic pet food company, their recipes are 100 percent protein and zero percent plant protein, with the number-one ingredient being meat. To learn more about Hound & Gatos, including where to buy products, visit their site at: www.houndgatos.com.

About Hound & Gatos Pet Foods Corporation

Hound & Gatos Pet Foods Corporation is based in New York. Their mission is to provide the public with high-quality pet food options for dogs and cats. Their line of pet foods focus on quality ingredients that provide maximum nutrition, and avoid all bi-products and other ingredients that would generally be unnatural to a pet’s diet. For more information on Hound & Gatos visit the site at www.houndgatos.com.

 

# # #

Source: American Veterinary Medical Assocation. US Pet Ownership & Demographics Sourcebook.https://www.avma.org/KB/Resources/Statistics/Pages/Market-research-statistics-US-Pet-Ownership-Demographics-Sourcebook.aspx

Center for Disease Control and Prevention. Health Benefits of Pets.http://www.cdc.gov/healthypets/health_benefits.htm

Pet Partners. Health Benefits of Animals for Seniors. http://www.petpartners.org/page.aspx?pid=312

The Benefits of Medicare Advantage

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

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

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

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

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

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

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

 

 

Specific Ingredients That Senior Citizens Should Look For In A Multivitamin by Michael Walters

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

Specific Ingredients That Senior Citizens Should Look For In A Multivitamin

Senior citizens require a different mixture of ingredients in their multivitamins. These multivitamins are geared towards them using a unique combination of important vitamins and the question is whether or not others should use it as well.

Naturally, those multivitamins are beefed up, due in large part to a senior citizen’s far more substantial needs than say, a young adult male. This is why some people are actually considering using them even though they’re not in that demographic.

That doesn’t mean you have to exclusively go for multivitamins targeted at the elderly. There are premium natural multivitamins out there that provide the same levels of health benefits that the elderly targeted alternatives would.

Multivitamins are important for the elderly because they make sure that they don’t end up nutritionally deficient. Young people can get away with not taking multivitamins.

Anti-oxidants are something you should also get in your multivitamins. Flavonoids and carotenoids are other things that should also be in it. There’s more to multivitamins that just, well, the vitamins. There are things that synergize with vitamins that make them doubly effective, if not more.

The internet helped me immensely when I was studying these facts myself. I dug through so many websites as I learned more. That means that you can learn more things about multivitamins without working too hard on it. As for me, I spent a lot of time on it.

Your health is important. The healthier you are, the more comfortable you will be in your twilight of your life. Doctors and scientists around the world have been struggling to make sure that life is more than about just living longer – it’s about living better as well as longer.

So many people could have had one more year if only they took care of themselves. You should take care of yourself.

This author frequently posts his thoughts on electronics like cheap computer speakers and computer speaker cable.

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

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

October 3, 2013 by · Leave a Comment
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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

 

Online Dating Tips for Senior Citizens by Salma Owais

September 30, 2013 by · Leave a Comment
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Dating for senior citizens is something that is very interesting. This means that every human being of any age group needs some special kind of attention from the opposite sex. Well, actually dating of senior citizens is just like dating of any age group because there is nothing wrong to find a true friend to share your feelings with. This is natural and a very healthy sign. In fact this is a very positive step. Online dating is a very good source of searching a perfect match, but it’s always better to get some knowledge before getting into this.

First of all if you are interested to get into this game you must choose a well reputed dating site. Senior citizen should avoid free dating site because of the security reasons, as older singles might be an easy target for the mischievous people to cheat. On the other hand paid sites provide you with the genuine profiles of the people who are seriously interested. A very important thing is that you should select the site of your age group specifically; because it will save the time and make the other person clear about your age. Another advantage for these particular sites is that there would be no competition with younger people. Be honest about your age to have a successful and reliable relationship. Make an impressive profile without exaggeration and upload a good picture of yours and make sure that the picture should not be very old to give a young impression. Find a person according to your requirement and begin the game. There should be no need to tell to be patient and do not share personal things early in your relation. Judge the person by their discussion. Do not tell your financial position in the beginning, if your new partner starts having the problems that require money, immediately cut off with them. This is one of the biggest all time scam to con people out of their money by gaining sympathy.

Do not talk about your previous relationship so quickly and avoid comparing the new person with your older spouse. As you have entered into a mature age so your discussion should be decent but don’t make it boring for the other person so add a little bit of spice and humor in your discussion to show the lively aspect of your personality. Don’t talk about your pains and harsh experiences in life, because the other person might get turn off as they would have had more bitter experiences then you; but want some pleasant change, so leave these things for later meetings and have fun with online dating.

If you are interested in using a dating service then visit our dating service website for membership, dating advice, ideas and stories.

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

Reverse Mortgage – A Tax Free Regular Income For Senior Citizens by Ishita Sharma

September 25, 2013 by · Leave a Comment
Filed under: Articles 

When you become old and do not work, your monthly income stops. How to manage your monthly expenses, medical expenses? These questions are common for all senior citizens. In order to get regular incomes, people save money in various forms of investments like retirement plans, provident funds, fixed deposits etc. There is one more option available for senior citizens – Reverse Mortgaging.

What is Reverse Mortgage

Reverse Mortgage is a financial product that enables senior citizens (60 years plus) to mortgage their property with a financial institution and get regular cash every month for a agreed period. The aim is to make illiquid assets like real estate liquid by generating regular cash in flow from the asset. Reverse Mortgage unlocks the liquidity potential of this asset.

Reverse Mortgage Process – How it works?

The property owner surrenders the title of the property to a financial institution. The financial institution does not pay the entire amount to the owner upfront. It pays a fixed sum each month for a specific period of time. The monthly pay out depends on the valuation of the property, tenure of the agreement and rate of return.

As per the agreement, the property owner stays in the house along with his spouse for their life time. This gives an opportunity to the property owner to stay in the house and get monthly cash. The property is transferred to the financial institution rather than his heirs.

In case the property owner survives the agreement period, the financial institution has to bear the risk. After expiry of the agreement period, the financial institution stops the monthly payment to the property owner.

Reverse Mortgage in India

Reverse Mortgage in India is at a very early phase. It will take few more years for this concept to become popular in India. Some of the leading banks are offering this service.

Ishita Sharma has rich experience in the field of investments. She writes articles on investments and also reviews investment related articles. For more information on various investments visit – http://www.investmentbazar.com

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

Benefits of Cayenne For Senior Citizens’ Diets by Sharon Elrod

September 24, 2013 by · Leave a Comment
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Expert Author Sharon Elrod

Alternative and Complementary treatments are finally getting some long overdue recognition. Senior citizens have been among the groups of people lobbying for non-traditional medical treatment of disease. One of those non-traditional methodologies is the use of herbal medicine. Among the herbs getting appropriate accolades these days is Cayenne.

Most of us think of it as a hot pepper, added to soup and sauces for the tangy taste it offers. But Cayenne has healing power that is now being studied in a variety of medical centers. Aryuvedic medicine has known of its curative power for centuries. Folklore describes its healing effects on heart attacks, open wounds, pain, hemorrhaging and digestion. And now medical science is adding its official stamp on the benefits of the herb with studies focusing on the therapeutic benefit of this hot peppe.

The active component of Cayenne is capsaicin. Do an Internet search on that word alone, and you will be amazed at the results. Clinical studies on Cayenne/capsaicin have found many medicinal benefits including antioxidant activity, cytotoxic action, inhibit some cancer cell growth, alleviate oral mucositis pain, treating psoriasis and pruritus, and other benefits.

The great thing about Cayenne is its nutritional value as well as medicinal. This herb is used extensively in all kinds of culinary dishes. Seniors around the globe are beginning to add this herb to many dishes that do not call for it. The addition creates a delight for most palates! When used in combination with other herbs, it acts as a catalyst that increases the effectiveness of other herbs used in the same dishes.

The nutritional value of Cayenne comes from its very high source of Vitamins A and C, the complete B complexes, and its high levels of organic calcium and potassium, which is one of the reasons it is good for the heart.

Readers are encouraged to check further on the validity of information available on the Internet. Bibliographies offer a comprehensive resource on reports of studies. Readers are always encouraged to read the original source to avoid possible misrepresentation, even that offered in good faith. As always, this article is not intended to offer medical advice or to replace the need for all readers to consult their primary care physicians and specialists about their individual medical needs.

Article provided by Sharon Shaw Elrod. Senior Citizen Journal, Your Partner in Productive Aging, provides current and relevant information on topics of interest to seniors. Please visit my web site at http://www.seniorcitizenjournal.com/.

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

How The Senior Citizens Can Learn Self Defence by Imran Al

September 17, 2013 by · Leave a Comment
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self

Crime in our society is rapidly growing. Everyone has insecurities for his life and his family. The criminals find it easy to make victims of children, women and old citizens. As they are weak to defend, they are more victims but they can defend easily if they learn self-defence. Old people are quite weak and most of the citizens are living alone and easy prey of the criminals. They can easily enter their home and harass them. They can harm them and take away what they want. If old people can learn self-defence they can easily take over the situation and can secure their life and their home.

Get Rid Of Muggers:
Mugging is very common these days. Old people while walking on the street get victim of muggers, as they are always in search of weak target. If such situation occurs seniors! You can hit the mugger with your stick they are holding or anything they are carrying in your hand. It is recommended not to go alone if you have to go for some important work late night. Take someone much younger who is able to take care of you.

Self Defence Weapons:
It is good habit to carry self-defence weapon every time you leave the home. Stun gun and pepper spray are very helpful when attacker get closer to you.
Self-defence alarm is also helpful. It will make the attacker scared and the other people around will run towards you to help you.

Learn Self Defence Techniques:
Senior’s self defence classes are also held at different institutions. You can join these classes. They teach you techniques according to your age that are not much tough and you can easily apply them.

Precautions At Workplace And At Home:

If you have your own work place try to get it closed on time and make sure you have security alarms at your work place. When leaving the place get confirmed that all the doors are properly locked. It is the case at home. You should have alarms at your windows and doors. It will assure you security. Before going to bed check all the doors and windows and make it a habit to keep one light open of any room, the whole night. It will give a perspective to the attacker that someone is still awake in the home.

I hope all these simple points will make the senior citizens confident when applying them. They will feel free to move anywhere and also feel tension free at home.

Learn more about online self defence training course and check out the cheap martial arts weapons for your self defence.

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

Deserving Senior Caregivers to be Rewarded through “Caring for the Caregiver” Program Sponsored by Twilight Wish Foundation and Parentgiving

September 14, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

Deserving Senior Caregivers to be Rewarded through “Caring for the Caregiver” Program Sponsored by Twilight Wish Foundation and Parentgiving

Caregiver nominations taken online at www.twilightwish.org until October 15

The national nonprofit Twilight Wish Foundation and Parentgiving are pleased to announce the “Caring for the Caregiver” award. According to a recently released Bureau of Labor Statistics survey, over 39 million Americans provide hours of unpaid care to someone over the age of 65. Caregivers often struggle with their own physical, financial and mental needs. This program was created to recognize and reward these deserving senior caregivers who often put their own needs last by providing a respite from caregiving duties.

“Often, caregivers are seen as hidden patients themselves,” said Cass Forkin, founder of Twilight Wish. “Although caregiving is a labor of love to many, the stress and strain of providing around-the- clock care often takes a toll on the caregivers, both mentally and physically.”

According to David Spain, CEO of Parentgiving, many caregivers are often not able to get the break from their responsibilities that they need. “This program offers caregivers the chance to relax and rejuvenate, away from their daily duties,” said Spain. “We want them to know that their selfless contributions and dedication are appreciated.”

Twilight Wish and Parentgiving chose August 21 to launch “Caring for the Caregiver” because it’s National Senior Citizens Day, first proclaimed by President Ronald Reagan in 1988. “Older citizens are reinforcing their historical roles as leaders and as links with our patrimony and sense of purpose as individuals and as a Nation,” said the late president.

Anyone can nominate a deserving caregiver by filling out an application at www.twilightwish.org.  Caregivers can nominate themselves. Entries will be accepted through October 15, 2013. The winner will be notified in early November 2013. The “Caring for the Caregiver” award may be a two-night hotel stay, restaurant meal(s), spa treatment(s), or tickets to an event or any combination of these as chosen by the award winner. The winner will also receive free in-home caregiving services from a local senior homecare organization, ensuring a worry-free getaway.

Twilight Wish Foundation is a 501(c)(3) nonprofit charitable organization whose mission is to honor and enrich the lives of deserving seniors through wish granting celebrations that connect generations. Since its founding in 2003, Twilight Wish has granted over 1,931 individual wishes to deserving, low-income seniors, thanks to volunteers, corporate and community involvement, and donations. Recent wishes granted include a visit from a string band for a nursing home resident’s 89th birthday, transporting a nursing home resident to Christmas Eve dinner with family, and hearing aids for an Army veteran who wished to be able to hear his grandchildren’s voices. For more, visit www.twilightwish.org.

Parentgiving.com is a leading online destination for seniors and their caregivers, offering a wealth of information on eldercare, news, Q&As with experts, and healthy aging resources as well as a store with thousands of homecare products and medical supplies, delivered right to the home. Bestsellers include walkers, bed rails, bath safety bars, incontinence supplies, and daily living aids. For more, visit www.Parentgiving.com. For more about Parentgiving’s mission, contact Julie Davis at 203-984-4424.

For more about the “Caring for the Caregiver Award,” contact Mary Farrell, Twilight Wish Director of Community Relations, 215-230-8777 ext. 103

Read more news from Parentgiving

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.

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

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:

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:

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

Treat them like a person, not a patient

September 14, 2013 by · Leave a Comment
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Treat them like a person, not a patient

New living systems developmental model of care shifts the focus of treating Alzheimer’s disease and other debilitating illnesses

STATE COLLEGE, Pa. – Donald H. Ford observed that advanced Alzheimer’s patients, like his mother-in-law, are typically bored and lonely, and often depressed, frightened or angry.  His professional knowledge convinced him it didn’t have to be that way.  When Alzheimer’s struck his wife, he created a scientifically based alternative form of Alzheimer’s care that enabled her to still have a satisfying life.
Ford shares this revolutionary plan he used with his wife, Carol in the new book Carol’s Alzheimer’s Journey: Treat Them Like a Person, Not a Patient. He is an experienced psychology professional and developed a living systems developmental model for care that incorporates an individual’s humanity. It helps patients live a meaningful and pleasurable life, despite their limitations. Carol’s Alzheimer’s Journey is a guide for caregivers of senior citizens with serious limitations to improve their care receivers’ quality of life.
“Traditional medical model caregiving focuses on what’s wrong with a person and tries to fix it. However, when what is wrong can’t be fixed, the caregiver can’t succeed and that’s discouraging,” Ford says. “In Our developmental model of care, the focus is on what the person can still do and on designing experiences from which they get satisfaction.”
As people continue to gain more awareness of Alzheimer’s disease and other seriously debilitating diseases, plans like the model in Carol’s Alzheimer’s Journey become more relevant. Based on his professional research, Ford believes that a person always functions as an integrated unit, so a model was needed that combined the biological, psychological, behavioral, social and contextual aspects of a person’s patterns of behavior when planning for elder care. Carol’s Alzheimer’s Journey asks society to adopt the view that it is not enough to focus on keeping senior citizens alive and “warehousing them” until they die.
Ford’s plan in Carol’s Alzheimer’s Journey is a person-centered quality of care focus.  It replaces the traditional medical emphasis on what is wrong with the person with a positive emphasis on using their remaining capabilities to create a satisfying life, despite limitations.

 

Carol’s Alzheimer’s Journey: Treat Them Like a Person, Not a Patient
By Donald H. Ford
ISBN: 978-1-3008-0321-8 (sc); 978-1-3009-9178-6 (e)
Softcover, $26.55
Ebook, $8.99
Approximately 564 pages
Available at www.LuLu.com, www.amazon.com and www.barnesandnoble.com.

 

About the author
Donald H. Ford earned a Bachelor of Science, Master of Science and doctorate degrees in mathematics and psychology from KansasState and PennsylvaniaStateUniversities.  He spent the first 10 years of his career creating a new kind of psychological and developmental services program at PennState for students and their families.  Then PennState asked him to create a new kind of college called Health and Human Development.  It stimulated other universities to develop similar colleges.  After 10 years as Dean, he resigned and returned to his first love of teaching, scholarly and professional work.  He published seven books about psychotherapy and human development.

Better Health For Senior Citizens by Irene Mori

September 13, 2013 by · Leave a Comment
Filed under: Articles 

People are living longer these days than in years past. The average age of longevity is not as young as it was, and it is not unusual for people to live well into their nineties. Baby boomers started becoming senior citizens several years ago, and they want to have better health. Just as they have been influencing buying patterns for decades, they are now having an impact on the health and nutrition products available on the market.

The health and wellness businesses are expected to grow by leaps and bounds as more baby boomers enter their later years. This is a group of people who have influenced the physical fitness areas of gyms and spas. Although they are likely to be inclined to exercise less as they age, they will undoubtedly be consuming more nutritional supplements to help maintain good health which has been an important aspect of their lives.

New nutritional supplements are introduced to the markets all the time. The drug store and grocery store shelves are full of items to prolong life and improve health. Liquid juices with nutritional benefits are becoming increasingly popular. There are vitamins and pills of all kinds designed to improve health.

As they are trying to maintain and have better health, senior citizens are becoming involved with home based businesses, often in the health and nutritional industry with nutritional supplements sold through network marketing (MLM or multi-level marketing where people are paid for the efforts of those they bring into the business). Although most will not succeed in the business aspect of MLM, they may become good customers for many years as they are willing to spend money for health products.

As the economy and investments have suffered and made life difficult for many senior citizens who are faced with dwindling retirement funds, they may enter home based businesses which have great promise and potential. Since these are businesses which may be entered for a relatively small amount of money, they seem desirable.

Yet many more people may be interested in maintaining good health than in earning money when they are in the autumn of their lives. They want to find ways to enjoy better health as they age. Liquid nutritional supplements have become a popular method of ingesting the vitamins and anti-oxidants which have been touted as being beneficial for health and wellness. Liquids are easier to take than pills, and they are becoming more available and desirable

Better health means taking care of one’s self and doing all in your power to maintain a healthy lifestyle which results in improved mental and physical capabilities. Living longer will be more pleasant if one is able to enjoy good health and well being.

Irene Mori is involved with network marketing. To learn about a savings and earnings program, visit: http://www.moremlmsuccess.com. If you are interested in emergency preparedness and food storage or a home based business in this area, check out: http://www.preparedforlife.net.

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

A Crusade to Help Senior Citizens in Car Shopping by Irene Mori

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

Seldom is shopping for and buying a new automobile a wonderful experience. Indeed, there is a chance that it could be a horrible encounter with unpleasant consequences. Signing the papers to lease or purchase a car, if one is not ready to do so, can be an event which causes monumental anxiety and stress.

Senior citizens who want to obtain a new car can be vulnerable to the unscrupulous and at times unethical tactics of salespeople who want to make a sale and hence a commission. Insensitive salesmen and saleswomen could be concerned with their own welfare and the money they would make. High pressure and conniving tricks may be used against unsuspecting customers.

Sydney’s husband was willing to sign a lease the day they shopped for a new car although they had previously not expected to do so yet. They still had a lease on the car they were currently driving, and it would not expire for another two months. They had not discussed nor decided upon what course of action to take. They had not made any decisions about whether to keep leasing that car, to purchase it, or to acquire a new car. They were just looking, or so thought Sydney. Unfortunately, Sydney’s husband told the saleswoman that they COULD get a car that day. She said they would pay for the last two months on the present lease. She made it sound like they were getting a good deal on the lease of a new car, which they would not need for another two months.

They decided to take a car for a test drive. They admitted that the car was nice. Then the trouble began. The seemingly nice saleswoman turned to a person with a mission-to sell an automobile. She became a wolf in sheep’s clothing. She turned into a witch underneath a seemingly pleasant demeanor.

Although Sydney repeatedly stated that they needed to discuss the matter, the saleswoman would not let them leave the showroom. She brought in reinforcements such as a sales manager and others. Instead of letting them go out for lunch to discuss the matter, they brought in lunch. She wrote down their name on the board as having already purchased a car.

It was almost as if Sydney and her husband had been chained to the table, but Sydney finally broke loose. She allowed the reasonable thoughts to crowd out the demons. It was not easy to do against such odds, but she stood her ground and got up to leave. The saleswoman tried to bully her into staying with all kinds of strange and irrational statements. Sydney’s guardian angel had eventually come to her aid, and she spoke her mind. She needed to get out of there and think about it. Of course, the saleswoman knew that Sydney and her husband would not be back. There was no way that Sydney would deal with that woman again. She had finally broken loose, and she was extremely satisfied that she had not relented to the pressure.

Sydney recalled the experience of her friend Helen, who had signed a lease against her will. She tried to get out of the deal, but she was stuck. The dealership said she could get out of the deal by paying a $5,000 restocking fee. They basically did not listen. They had found another sucker.

Senior citizens and everyone should buy a car with pleasure only when they are ready. Don’t let a terrible salesperson talk you into something you are not happily ready and willing to do. A car purchase should be a pleasant experience, not an ordeal that brings pain and anguish.

Irene Mori has been involved with network marketing and home based business for a number of years. She works in the food and nutrition areas as well as with a company which offers discounts on everyday purchases and cash back for online shopping. FREE training and marketing tools are readily available with this affordable opportunity with a good profit potential. Get more information on this business by visiting: http://www.moremlmsuccess.com. You can learn about a business in the food storage area by sending an email to: sr.marcia1@gmail.com.

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Diet Management For Senior Citizens by Jane Kim

September 11, 2013 by · Leave a Comment
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As people grow older, they become less active, especially after retirement from an active job. Food is required to maintain the health and state of the body, as in younger age groups, but less energy is needed. Senior citizens can maintain their health by following tips:

– Many elderly women and some men suffer from a condition called osteoporosis, which is result of gradual loss calcium and other minerals from the skeleton. Bones become brittle, may break easily, and are painful.

– To help prevent this problem everyone, but especially women, should have plenty of calcium and vitamin D in their diet when younger, and take regular exercise. There is evidence that taking hormone replacement therapy (HRT) at, and for few years after, menopause can help prevent osteoporosis in women.

– The size of meals should decrease as people become less active, but the quality should not. There is no need for elderly to eat soft or smooth foods only, unless they have a digestive disorder which makes this necessary; they can still enjoy crisps, crunchy; and hard foods, even if they wear dentures, providing that the dentures fit into the gums properly.

– It may be necessary to increase the intake of fiber to avoid constipation, which is common disorder in this age group. Many elderly people resort to using laxatives to prevent or ease constipation. This is undesirable and usually unnecessary if the diet contains sufficient fiber.

– A reduced income may mean that it is not possible to eat much meat or other protein foods, and this poses problems to many senior citizens. Pulses and cereals can be eaten as cheaper alternatives to meat and other and other animal protein foods, or to supplement them.

– Mobility problems may also influence where foods is purchased and how often, and the elderly may require help from the social services department or from willing neighbors.

– The loss of a partner may also affect the motivation to cook and eat well, and this often leads to poor health among the elderly.

– Senior citizen’s luncheon clubs are run by many religious organizations and charities to enable the elderly to meet in social atmosphere, and enjoy a meal together. This is good for their quality of life and happiness. And provide the chance to enjoy a cooked meal which they may not have at home. The meals are usually subsidized.

– Meals on wheels are provided in many areas, and offer daily social contact for elderly people, as well as a regular hot meal. In some areas, people now receive a weekly delivery of frozen meals which they reheat in microwave oven. This saves costs, but limits the important social contact.

Jane Kim writes for Society50 social networking website. You can visit Health and Diet Club of Society50 to ask your questions or just to get advise on any body and health related issue.

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

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.

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Senior Citizens to Benefit From Care – Home Adult Education by Sarah Maple

September 5, 2013 by · Leave a Comment
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A newly announced scheme from the government will improve the quality of life for residents of 21,000 care homes in an effort to bring adult education to senior citizens. According to trainingjournal.com, the project has been commissioned by the Department for Business, Innovation and Skills and is in the hands of the National Institute of Adult Continuing Education.

The National Institute of Adult Continuing Education (NIACE) is a non-governmental charity with a number of high profile members, including the BBC, universities, local authorities and the Ministry of Defence. The primary aim of the institute is to ‘encourage all adults to continue in learning of all kinds,’ and set to achieve this by setting up events, support networks, publishing texts, and hosting training courses.

Of course, the idea of adult education for senior citizens is not new. China has been at the forefront of lifelong learning since the establishment of its Agricultural Broadcast and Television School. Before switching over to a primarily ICT-led scheme, the distance learning institution used radio, TV, video, and audio cassette, to ensure those in rural areas had access to learning materials. The scheme is now an integral provider for older learners in an aging society.

The fresh enthusiasm for senior citizen education in the UK is in part due to recent examples of the positive affect it has had when implemented. Tansley House Care Home in Derbyshire has recently won 2009’s NIACE Adult Learners Week after starting an education scheme – resulting with an increase in the levels of health and happiness of the residents.

The next step in the scheme is for NIACE to conduct a report into the best models of learning and the extent by which such schemes improve the lives of care home residents. The scheme also has positive benefits for distance learning and the promotion of continuing education for your whole life – which is a great thing at a time when new learning technologies, open content and proposed broadband for everyone is making education even more accessible.

Sarah Maple is writing for Kaplan distance learning about degree courses online and education in general.

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

Columbus Travel Insurance For Senior Citizens by Lee Jacksonlee

September 4, 2013 by · Leave a Comment
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Majority of the senior citizens nowadays opt for insurance whenever they plan for any trips, especially when traveling abroad. It does not matter whether they are experienced travelers or have been waiting for the journey of a lifetime, they would still want to have a safe and enjoyable trip. Moreover, senior citizens and the rest of the people would like to travel with a peaceful mind, knowing that any misfortunes along the way would be well taken care of with minimum distractions.

As a matter of fact, most senior citizens are covered with health insurance at home. So it makes it even more sensible to be safely protected with travel insurance while they are away from home. Where health is concerned, irregardless of how fit and healthy you are, you cannot afford to take the risk of not being insured. The reason being, in the event of any sicknesses or accidents, the medical expenses incurred will be very costly, especially if require hospitalization.

Depending on your destination, less developed countries with unfamiliar and perhaps unhygienic food may be hazardous to health, what more with poor quality drinking water…! The climate may also be another factor contributing to health problems, especially when there is a drastic change in temperature. Besides the issue of health, there are other types of mishaps too, such as flight cancellation, lost luggage or personal belongings, delayed flights, thefts and even accidents.

There are many insurance agencies available online with competitive prices. Some rates provided are more lucrative and affordable than the others so it is wise to scout around for better deals. In fact, there is a variety of comprehensive coverage specially catered to meet the requirements and demands of consumers, namely backpacker and adventure travel insurance, pre-existing medical insurance, business insurance, single and group insurance.

Generally, a customer oriented company will pride themselves on providing quick, efficient and hassle-free service. So go ahead and enjoy your golden years by seeing the world. Travel extensively but do it only under the protection of insurance. Ensure to obtain an adequate coverage to give you and your loved ones peace of mind. Then you can “stop worrying about the potholes in the road and celebrate the journey”… as quoted by Fitzhugh Mullan.

So if your parents want enjoy their vocation with good memories, seek travel insurance from Columbus travel insurance. By doing so, you are not just securing your trip from any unforeseen events but also for a surely wonderful vacation with affordable best travel insurance

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

Diversion Safes For Senior Citizens by Carleton Cook

September 3, 2013 by · Leave a Comment
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Expert Author Carleton Cook

Diversion Safe Helps Senior Citizens Keep Valuables Hidden

Diversion safes are perfect for senior citizens. In case you have never heard of a Diversion Safe, it is a small safe disguised as a can of dog food, or shaving cream, or a cleaning supply product. When thieves break into a home, they are looking for cash or jewelry lying around, plus electronic items, such as, televisions, radios, and other gadgets that have value to them.

When thieves enter a home, they don’t have time to go through things that will slow them down, and they aren’t going to bother with cleaning supplies or dog food, after all, it’s heavy and will weigh them down, as well.

A diversion safe, could be a dog food can on the outside, but on the inside is a secret compartment where you can store cash, jewelry, stock certificates, or whatever else you want to hide. The diversion safe can also be a way to have cash stored in your home that you spouse or visiting family members won’t know about. The point is that your privacy is your privacy and no one has a right to invade your privacy OR rob you of these items.

Perhaps you have a visiting nurse or house cleaner that you don’t want to see your jewelry or cash lying around, so the diversion safe can be great for that reason as well. So, whether you are rich or poor, single or married, living alone or with someone, you can safeguard your valuables with a small, inexpensive, discreet, unnoticed diversion safe, in your home, apartment, or room.

Not only are these perfect for senior citizens, but they are perfect for anyone, and they make a great gift item. When you need or want to give someone a gift, and don’t know what to get, why not a diversion safe, so that they can protect and hide their precious, secret belongings? A person can never be “too careful” these days, and a diversion safe is one step in the right direction.

Carleton Cook is a life long military, police, and private security expert. Carleton Cook & Affiliates has a staff of thirteen employees and three warehouses available to serve you.

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Healthy Eating – 5 Dietary Requirements For Senior Citizens by Christine Abbate

August 29, 2013 by · Leave a Comment
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Healthy eating, whether as a child or senior citizen is a vital part of a healthy and active lifestyle. Your nutritional needs are pretty much the same at 40, 50, 60 and beyond as they were when you were younger–with some minor variations. As we grow older, our bodies becomes less forgiving, and we will have to make more of an effort to eat well and stay fit.

Here are 5 Dietary Requirements for Senior Citizens:

1. Exercise:
Studies of the elderly indicate that current weight, rather than age, determined energy intake in men and women. The study suggests that changes in lifestyle, not age, resulted in the dietary changes seen in the healthy elderly survey. As you mature, your body will loose muscle mass, decreasing your metabolic rate, which in turn burns fewer calories at a slower rate. A great way to maintain control of your maturing body is to exercise regularly and eat healthy meals in moderation.

2. Eat More Fiber:
Maintaining a regular cycle of all systems in our bodies is very important. Fiber helps maintain regularity to prevent constipation and gastrointestinal diseases like divertculosis (pouches that cause spasm or cramping in the large intestines). You may also want to be extremely selective in your diet and not include gaseous foods.

3. Eat More Calcium:
Around 40 years old, our bones start to lose more minerals quicker than it can replace them. For women, menopause causes a drop in estrogen levels, estrogen helps bones maintain calcium. Menopause is responsible for a greater loss of calcium than in men. You should discuss with your physician a dietary supplement to ensure you are properly maintaining your body.

4. Water:
Water is essential from birth throughout life. It is critical to health-and is chronically overlooked. Second only to air in its steady and relentless necessity, H2O carries nutrients to cells; aids digestion by contributing to stomach secretions; flushes bodily wastes and reduces risk of kidney stones by diluting salts in the urine; ensures healthy function of moisture-rich organs (skin, eyes, mouth, nose); lubricates and cushions joints; regulates body temperature; and protects against heat exhaustion through perspiration. And the list goes on and on. Everybody should consume the minimum eight glasses of water daily to maintain our youthful vigor and pep.

5. Avoid Foods With Too Much Sugar:
Too much sugar causes a number of problems- it suppresses the immune system, weakens eyesight, contributes to obesity and diabetes, causes constipation, leads to all different types of cancers, and the list goes on and on about the effects of sugar intake. Young and old should never binge on sugar.

Eating well can make us feel a lot better. It gives us more energy – and it can actually help slow down the aging process!

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The Lake Shore Assisted Living Facility, located on beautiful Lake Ronkonkoma in Long Island, New York has been providing seniors with assisted living care, delicious dining, friendly services and award-winning recreational programs for many years.

Submitted by Christine at NewSunSEO Inc.
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Debt and Senior Citizens by David Cunningham

August 28, 2013 by · Leave a Comment
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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.

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

 

Senior Citizens Should Keep Track of Their Money by Irene Mori

August 27, 2013 by · Leave a Comment
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While it is wise for everyone of any age to keep track of their money and their expenditures, it is something that senior citizens may need to do more than others. Although there are many older people in the world who are millionaires or who at least have enough money to not have to worry, many seniors are living on fixed incomes where money is scarce.

Budgeting has long been touted as something beneficial, but it is a distasteful practice to many in the world. Most businesses and organizations would never think of operating without a yearly budget, but many individuals likely never use a real organized budget but may use some of the attributes of a budget. A good budget helps people live within their means which is a prudent course of action which can be helpful for anyone. Keeping a record of one’s daily expenses is useful for planning and for knowledge of where one’s money is going. Spending less than you take in has always been good advice. It takes planning and discipline to manage your money well, and a budget can help.

Being burdened by unnecessary debt can cause extreme distress and discouragement. It is too easy to spend more than one has, especially with credit card usage. Debt comes so easily and can materialize almost without notice. Too many people place this hardship on themselves by overspending for unnecessary material goods. A careful evaluation of needs and wants can help to remedy the situation of spending too much money.

If a person is keeping track of his money and finds that it is severely lacking, it may be time to make some changes. There are ways for even senior citizens to earn extra income. Most would not need a lot more money, but it would make for a more pleasant existence if a lack of enough money to take care of basic needs were satisfied.

Home based businesses have become a popular avenue for seniors to make some extra money. There are many opportunities available although it is not always easy to find a good fit. If someone is thinking of getting involved with such a business, it would help to talk to people who have actually found some success with the opportunity. There are so many scams being perpetuated which take people’s money without any return. It is easy to lose one’s hard earned money which many seniors can ill afford to do.

For some people, keeping better track of one’s money, curtailing one’s appetite, and cutting expenses may be the most judicious path to take.

Check out http://www.moremlmsuccess.com for information about a product which may aid in the aging process. Click on True TV to watch informative videos. You may try the product as a preferred customer or join the home based business opportunity for a cost of $630 for products, marketing materials, and training or a sign up cost of $50 to start small as a distributor. Have a good day.

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When Senior Citizens Become Suddenly Single by Beverly Slover

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

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

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

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

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

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

Beverly A. Slover

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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

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A Comprehensive Look At Senior Citizens Travel by Bruce A. Hoover

August 22, 2013 by · Leave a Comment
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Expert Author Bruce A. Hoover

Travel is becoming popular among many groups of people. Children are traveling more with their parents, teens are traveling more in groups and people who thought they could not afford to travel are traveling more now because of the availability of so many deals! Senior citizens travel too and today, they are traveling more than ever!

In the past, only seniors who had a substantial retirement savings were able to travel. Today, there are so many deals and opportunities for cheap, quality travel that anyone, including seniors on a budget can see the world without going broke!

Some destinations are cheaper than others such as the Caribbean, Mexico and some countries in Europe. Of course, there are many places to see in your own backyard and The United States and Canada are no exception where deals are concerned. Just like there are cheaper destinations, there are also cheaper methods of travel. Cruising is a great way to see many different parts of the world at a low price and all-inclusive Caribbean vacations are great deals as well.

If you are a senior looking for a great travel deal, there are many things you can do to maximize your chances of finding the best deal. First, ask around. You never know what you might find out from friends and family members who have traveled recently. Do a thorough internet search and sign up for travel deal newsletters that allow you to be among the first to find out about deals. Start looking for your trip and book your trip as early as possible in order to get the best savings.

If you put the proper amount of time and effort into your search, you will have no problem the right vacation for you at the right price and next thing you know, you will be on your way to relax and have some fun in a place you have always wanted to see!

Next, now that you understand how you can get inexpensive senior citizens travel will you take advantage of it?

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

How Senior Citizens Can Stay In Shape by Mark Warrington

August 21, 2013 by · Leave a Comment
Filed under: Articles 

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As we grow older, our bodies undergo many changes. And not all of those changes are good ones. Our bones go weak, our muscles sag and our strength walks out on us. It’s something that we cannot avoid but there is a way to slow down the aging process and that is with exercise. Almost 85 percent of senior citizens fail to exercise regularly even though they know the importance of it. And the reason for that is almost the same as the one younger people have. That being exercise is too tiring, too hard or it takes too long for the results to show. It’s also a problem for older people being at the gym because of the younger people around them. And honestly, we all have our insecurities and when we’re older, being around a lot of younger people doesn’t help out. So, if you’re part of this age group and you want to stay fit, you can start working out at home instead.

The first thing older people need to consider is what exercises they should do. The number one exercise for seniors are cardio exercises. Cardio exercises can help keep the heart healthy. Walking, swimming and bike riding are the recommended exercises for seniors. If you don’t have a pool at home, 2 out of 3 isn’t bad. You can get a treadmill and a stationary bike to get the exercise you need. The next best exercise is strength training with the help of some dumbbells. As we grow older, our muscles grow weaker and they actually shrink. Doing strength exercises can help with preventing this because muscles that are frequently used decline slower. It is critical that before you do any of these exercises that consult your doctor so they could give you a recommendation.

If you’re ready to start working out at home, the next thing to do is to get the equipment you need. Before you get them though, you have to look out for some things. Since seniors are not as strong, the equipment needs to have soft steps or cushions for some equipments such as a treadmill. For dumbbells, you can get those that are made of rubber so it would be safer in case it’s dropped.

Before you start, make sure that you have someone to workout with, if necessary. This person not only ensures that you’re safe, they can also encourage you. It’s just like being in the gym with a trainer except you don’t have to deal with that many people and with that noise which irritates some older people easily making their exercises more uncomfortable. Don’t forget to do some stretching as well as this helps with your flexibility which is also important to keep your joints healthy.

Exercise is good for everyone, young or old. We just have to remember that old saying, no pain, no gain. Go ahead and make a fresh start tomorrow. Don’t be aged, be ageless.

Over at the FitnessArmory.com, you can let our expert advice on fitness and equipment reviews help you create the perfect home gym but without all the huge costs. We have the exclusive reviews on all your favorite brands and models to help you get in shape, get healthy and look great. Recent product reviews include: HealthRider H90THealthRider H95E. We invite you to stop by or drop us a line if you have any questions or need help with your fitness equipment selections.

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

Massage For Senior Citizens – Benefits and Precautions by Eva Gnech

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

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Probably the most important benefit of massage is the pleasure of human touch, and the companionship provided during massage therapy sessions. This provides a relaxation which alone may relieve some of the loneliness, depression and fears that many seniors suffer from. A recent study found that all senior citizens who were receiving regular massages showed a dramatic improvement in their moods and their attitudes toward life in general. Nearly 50% of the same group tested also showed additional health benefits;a reduction in their rates of breathing, an increase in their range of motion, an improvement of their postures, development of more body awareness, their skin took on healthier colors and their muscle tones were enhanced.

In addition to these general life improvements, some health conditions that may respond positively to regular massage include:

– inflammations in the joints;

– arthritis;

– skin discoloration and other dermatological conditions;

– deteriorating muscles and bones;

– reduced appetite and therefore weight loss;

– poor blood circulation;

– sleep disorders;

– weakened mental capacity,

– tendonitis;

– bursitis;

– asthma;

– emphysema;

– high blood pressures;

– diminished functions of the internal vital organs such as the heart, the liver, the brain, the thyroid, the stomach and the intestines.

Before you make your appointment, make sure you take care of safety first:

– Find a massage therapist that is properly trained;

– Limit your appointments to 30-45 minutes at a time;the elderly appear to respond better to shorter, more frequent sessions.

– Be careful when positioning yourself on the massage table: ask for help or request a chair massage.

– Tell your massage therapist if it is your first massage: request a gentle relaxation massage. Your bones may be thinner and your joints stiffer than other patients; ease into it. Over time you may request a deeper tissue massage if it feels comfortable for you.

– Tell your massage therapist if you are not comfortable being touched in some areas: Many elderly prefer head, hands and feet massages. Even massaging these body parts alone will greatly benefit you.

– Request use of lotions or oils, or bring in your own favorite lotions: senior citizens’ skin tends to be thinner and less pliable, and using oils will help avoid cracking or damaging of your skin. Lotions will also soften and moisturize your skin, making it healthier and more pliable.

Relax and enjoy your massage! With the above precautions massages are perfectly safe regardless of your age. Most importantly, massages help you relax and improve your outlook on life. That alone may alleviate other aches and pains and make this worth your while.

So contact a qualified massage therapist today, and make the appointment that will help you relax and enjoy some TLC, you deserve it!

For a more detailed description of the benefits and precautions of Seniors Massage, see http://massagetherapystartup.com/massage_therapy_for_senior_citizens.html.

For more information regarding massage therapy, setting up your own massage therapy business, or how to make a lucrative living in the massage industry, see http://massagetherapystartup.com

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

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

August 19, 2013 by · Leave a Comment
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At what time rearranging, it is significant to remember that who will be moving, not only when and where the move will be happening. This is very important, as some people need a little bit extra in the approach of preparation and accommodation when it comes to the huge method that is moving. Senior citizens, as, often need additional time and a bit more consideration when going through the procedure than people of a younger generation. Here are five very essential moving tips to make moving with seniors in exacting much easier and simpler.

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

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

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

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

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

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

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

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

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

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

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

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

An aging society and risk

Some key risk factors that affect our aging society are:

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

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

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

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

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

Look for warning signs

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

 

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

 

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

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

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

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

 

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

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

Fears of those living in an aging society 

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

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

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

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

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

An Enjoyable Disney World Adventure For Senior Citizens by Herb Leibacher

August 6, 2013 by · Leave a Comment
Filed under: Articles 

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You have finally decided to go to Disney World. The difference between you and many of the others who decide to go is that you have been waiting to travel here for most of your life. But, now that you are able to go, you wonder if it is too late. Disney World is a kids place so will there really be enough for you to do as a Senior Citizen? Do not worry and do not hesitate to pack your bags because not only will you have a blast while there, you will leave feeling like a kid again!

Attractions and Shows

Disney World is known for its magic and their shows and attractions are no exception. You could literally fill up each of your days at Disney World by just attending the shows. While they do have traditional dinner and short shows you can enjoy, Disney World goes above and beyond with several of their longer shows such as the Hall of Presidents and Walt Disney’s Carousel of Progress at the Magic Kingdom. Disney’s Hollywood Studios also has two great attractions that you will easily enjoy. Both The Great Movie and Walt Disney: One Man’s Dream offer wonderful historical perspectives of both Walt Disney and movies. Another great place to find attractions you will enjoy will be the Animal Kingdom where you can visit a petting zoo, travel nature trails, and observe animals while learning about their care.

Rides

Trying to decide the kind of ride you will be able to experience may be a little worrisome as well but rest assured there are plenty of rides that are fun for everyone. Many of Disney’s rides are developed so they are safe for people of all ages. In the Magic Kingdom, take the gentle It’s a Small World boat ride to learn about the various cultures, visit the jungle on the Jungle Cruise, fly through Neverland on the magical Peter Pan’s Flight, explore the unknown of outer space on the Astro Orbiter, or discover the sea with your mates on the Pirates of the Caribbean. After that, head over to Epcot to explore the world of energy on Ellen’s Energy Adventure before experiencing the evolution of communication on the slow riding Spaceship Earth. Finally, let your adventurer out to observe animals on the Kilimanjaro Safari at the Animal Kingdom.

Resorts

You have many options for places to stay during your visit to Disney World. All resorts offer rooms with showers wide enough to roll a wheelchair into and that have tub handrails. Additionally, all resorts have handicap accommodated rooms. Just make sure you do ask questions about any specific need you may have when you book the reservation.

Additional Activities

While you are at Disney World, make sure you take the time to see as many of the shows and street events as possible. Not only are these fantastic shows, but they will give you a great opportunity to rest during the day as well. Each park offers a variety of shows during the day and do not forget the night shows with fantastic light and firework displays.

Disney World may seem to be a place for young kids, but really it is a place for the young at heart. Do not let this misconception be a reason you do not go. There is plenty to do and experience as a senior citizen, so book your vacation, pack your bags, and let the adventure begin.

Herb likes to write about Disney World. Please check out his website that contains Disney World Vacation information as well as Disney Fantasmic information.

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

How The Senior Citizens Can Learn Self Defence by Imran Al

August 1, 2013 by · Leave a Comment
Filed under: Articles 

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Crime in our society is rapidly growing. Everyone has insecurities for his life and his family. The criminals find it easy to make victims of children, women and old citizens. As they are weak to defend, they are more victims but they can defend easily if they learn self-defense. Old people are quite weak and most of the citizens are living alone and easy prey of the criminals. They can easily enter their home and harass them. They can harm them and take away what they want. If old people can learn self-defence they can easily take over the situation and can secure their life and their home.

Get Rid Of Muggers:
Mugging is very common these days. Old people while walking on the street get victim of muggers, as they are always in search of weak target. If such situation occurs seniors! You can hit the mugger with your stick they are holding or anything they are carrying in your hand. It is recommended not to go alone if you have to go for some important work late night. Take someone much younger who is able to take care of you.

Self Defence Weapons:
It is good habit to carry self-defence weapon every time you leave the home. Stun gun and pepper spray are very helpful when attacker get closer to you.
Self-defence alarm is also helpful. It will make the attacker scared and the other people around will run towards you to help you.

Learn Self Defence Techniques:
Senior’s self defence classes are also held at different institutions. You can join these classes. They teach you techniques according to your age that are not much tough and you can easily apply them.

Precautions At Workplace And At Home:

If you have your own work place try to get it closed on time and make sure you have security alarms at your work place. When leaving the place get confirmed that all the doors are properly locked. It is the case at home. You should have alarms at your windows and doors. It will assure you security. Before going to bed check all the doors and windows and make it a habit to keep one light open of any room, the whole night. It will give a perspective to the attacker that someone is still awake in the home.

I hope all these simple points will make the senior citizens confident when applying them. They will feel free to move anywhere and also feel tension free at home.

Learn more about online self defence training course and check out the cheap martial arts weapons for your self defence.

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

When Senior Citizens Become Suddenly Single by Beverly Slover

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

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

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

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

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

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

Beverly A. Slover

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

Senior Citizens Can Do Well in Network Marketing by Irene Mori

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

Golden Years

If you have become a senior citizen, you have reached the golden years. It is time to enjoy life. Hopefully, you are healthy enough in mind and body to gain fulfillment in the autumn of your years.

Senior citizens have earned the right to sit back, relax, and enjoy life. Often this is not possible because the financial means are not there. It is a struggle to make ends meet as rising prices and dwindling resources have taken their toll. The bills for your daily needs, including medical and prescription costs, may have increased to the point where they are difficult to pay.

Enjoying life does not necessarily mean retiring from daily employment or work. Some seniors enjoy working well into their eighties and nineties. If they are able to do so, more power to them. Some politicians are good examples of this. They just keep working, serving, and giving even though they are financially able to retire and relax. They put themselves into the line of fire daily because they want to serve. Older entrepreneurs may be in the same boat.

Life has not dealt everyone with the same resources. As has always been true, life is not fair. Yet we take what we have been given and run with it, so to speak. We should make the best of our situation and do what we can to improve it.

As many older people have been forced into taking on menial jobs just to make some extra income or they found employment for the pure enjoyment of being out and seeing people, more senior citizens are working now than in earlier times. At this time in their lives, they may consider joining the network marketing industry for the first time. This can be a good thing or it can be a disaster.

There are hundreds of network marketing companies, and many are similar to each other. They all offer hope, but they often do not deliver. The main thing is to find a sponsor who is willing to help you succeed and to be willing to work hard. You will need to study and learn about all aspects of the company. You need to go in with an open mind and realize that the possibilities are there if you are willing to make it happen.

It is possible to achieve financial success so that you can enjoy your golden years, whether that means relaxing or continuing to work. The hope is alive.

Irene Mori is a distributor with a network marketing company selling a liquid nutritional supplement made from seven super fruits. If you are interested in receiving help with leads and recruiting for building ANY MLM company, check out: http://www.moremlmsuccess.com.

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

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

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

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.

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Information Speed Reader For Senior Citizens – Blog and RSS Readers by Robert McCluskey

July 12, 2013 by · Leave a Comment
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This is a great time to be alive if you are an information junkie, especially if you are a senior citizen and have more time on your hands to indulge your love of information than you did during your younger years. With the Internet you can read, listen and watch to your heart’s content.

But, senior information junkies have even better news! Absorbing and the learning new things from the information that is easily accessible on the Internet is one of the best things you can do to maintain your brain health, especially memory.

More good news! Using information gathering tools available free on the Internet can make your consumption of information easier, faster and more meaningful than randomly surfing from website to website. This article will reveal some of those tools: blog and RSS readers.

First, a little terminology. The word “blog” is a combination of the words “web log.” A blog is a kind of online diary that is published on the Internet. They usually offer subscriptions so that readers can receive and read new entries each time they are published. They also commonly offer the opportunity for readers to comment.

“RSS” is an abbreviation of the words “really simple syndication.” It simply indicates the means by which blogs, and some other forms of Internet information, are commonly published.

When you utilize a blog, or RSS, reader, you are aggregating and organizing many different sources of Internet information to which you have described, in one place. This makes them easier and faster to read, understand and remember.

Many free blog readers are available on the Internet. Some varieties are:

 

  • programs you download to your local computer
  • blog reader websites that display in your web browser
  • blog readers that are built into web browsers. For example, the latest versions of Microsoft Internet Explorer have blog readers built-in.

 

An example of the second type of blog reader is Google Reader. It has an excellent feature set including:

 

  • the ability to search for information by keywords
  • the ability to separate articles that you have read from those who have not
  • recommendations for new information sources based upon the sources you have previously selected

 

you can easily add a browser bookmark to this reader and start aggregating information from all over the World Wide Web for easy review as often as you like.

There is a lot of buzz about recent research indicating that many folks will live to 100 years of age in the foreseeable future. The quality of that long life will depend significantly on our mental health and activity as we age. Using blog readers has information aggregators can be fun and beneficial at the same time. Start using a blog reader today and improve your expertise in things that interest you.

Robert A. McCluskey

Bob McCluskey is a semi retired teacher and school administrator. He has recently been teaching college-level psychology classes and has developed a course in the psychology of aging. Bob teaches courses specifically designed for senior citizens and is especially interested in the mental health of aging, With an emphasis on the preservation and enhancement of memory.

If you would like to learn more about this topic visit our web site: Senior Technology News
Find out everything you would like to know about aging well

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Furniture Pieces That All Senior Citizens Need by Monika Kay

July 11, 2013 by · Leave a Comment
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As you get older, the body starts to break down and simple tasks can suddenly become very difficult. Going down the stairs or taking a bath can pose hazards that previously never existed. It might eventually be necessary to purchase furniture and accessories that can help you to get around the house easier. Here are some pieces that senior citizens should consider purchasing in the immediate future.

A Wheelchair

A wheelchair can be purchased for able-bodied and disabled individuals alike. For people who can still walk, using a wheelchair once in a while can take away the strain that is often felt in the joints. For individuals who have great difficulty walking, a wheelchair allows them to travel for long distances and participate in out-of-the-home activities.

A Bath Lift

Bath lifts are great apparatuses for the home because they take away a lot of the danger that can be found in bathrooms. Slippery floors and spills can make entering the tub a precarious activity. Bath lifts, on the other hand, slowly lower individuals from the top of the tub to the bottom. This makes bath time a considerably safer time.

A Lift Chair

Getting up from the couch or the recliner can be much more difficult for senior citizens. A lift chair takes away this difficulty by raising the back end of the apparatus, helping an individual to get up from a sitting position into a standing one. This is a great chair for any living room or den.

A Reclining Bed

These types of beds are very similar to the ones found in hospitals in that they can recline and lift at the headboard and the baseboard. Reclining beds meant for the home are a lot more comfortable and a lot less sterile. This is really good for older individuals who may have difficulty sleeping or who need to rest in a certain position.

A CD Player

This might seem like an odd choice but it has to do with quality of life as opposed to practicality. Several studies have shown that music can enliven and excite even the most comatose individuals. Many senior citizens fight off depression and loneliness and great music is one of the best cures for these conditions.

When it comes to acquiring furniture, older individuals should purchase things according to their needs. Older and more fragile bodies require assistance and all furniture pieces should accommodate this. The better equipped a home is, the more likely an individual can continue to live a full and happy life.

You must absolutely check out and browse the Lift Chair Store if you want to save BIG on mobility furniture, lift recliners and more… http://www.lift-chair-store.com/

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Know How Senior Citizens Become Targets for Fraud by Diana R Beam

July 10, 2013 by · Leave a Comment
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Although you and I can’t imagine cheating anyone- especially a sweet-natured senior citizen- thousands of other people can. In fact, they make a career of lurking in the shadows, waiting to the win the trust of your aging mother, beloved grandfather or isolated, elderly neighbor.

According to the National Crime Prevention Council, 56 to 80 percent of fraudulent telemarketers intentionally dial senior citizen’s telephone numbers. This is appalling information, of course. But this statistic hopefully has your full attention. To protect the aging loved ones in your family, you must commit yourself to two goals: one, to consistently stay abreast of fraud and scams directed toward the elderly; and two, make sure to educate your aging loved one about the do’s and don’ts of telephone communication, email responses, door-to-door sales visits and how to safely dispose of important personal information or documents that are no longer necessary to keep.

Aging seniors are often easy targets for criminals because:

  • The senior may be confused easily during telephone contact, either by dementia or hearing impairment.
  • The caller is a smooth talker who wins the trust of the vulnerable lady who lives alone.
  • If the dishonest telemarketer speaks sternly, demanding perhaps, that she absolutely must provide personal information, elderly seniors may feel intimidated, stressed and confused. More often than not, fraud has again been accomplished by the time the phone call ends. The senior may be unsure of how to judge if the call is legitimate, so the more pressured she feels; the more likely she is to give the demanded information.
  • The con artist telemarketer strikes up a conversation and asks many questions which not only builds a trusting relationship for a later con but also, the senior has unknowingly provided personal information to a potentially dangerous stranger. “You sound lonely today, Mrs. Smith. Does your family live in your neighborhood? What day does your daughter stop by? And that’s the only time you see other people? Just on that day? Well no wonder you sound a bit depressed.” You get the picture. By the end of many conversations, seniors have unknowingly placed themselves in danger not only for identity theft but also for burglary or worse.

 

Identity theft is rampant in our country and every person of every age is a potential victim. Keep in mind, though, that career thieves scope out particular trash cans- especially those of aging seniors. They wait for innocent victims to carelessly toss banking information, social security numbers, etc. in the trash can. So make a list of don’t-throw-away documents and tape it to your loved one’s fridge, to help her remember what to keep. Then periodically collect documents that are no longer needed and safely shred the information.

Helping aging loved ones can be a challenge because they can unwittingly become the targets of unscrupulous con artists that neither they, nor you, see coming. Your best defense is a proactive offense- starting with awareness.

Checking on aging loved ones every day to be sure they are safe is a challenge, however, you don’t have to go it alone. You have a valuable resource in Diana Beam, founder and owner of Keeping in Touch Solutions. Diana has ways to help your aging loved ones continue to live independently and safely in their own homes as long as possible while giving family comfort and peace of mind. Learn more at http://www.KeepinginTouchSolutions.com

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

July 9, 2013 by · Leave a Comment
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 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

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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.

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Great Gifts For Senior Citizens by Scott Moger

July 5, 2013 by · Leave a Comment
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We all know that one person (or couple) in our life that nearly brings us to the brink of a nervous breakdown during the holidays because we absolutely can’t find anything to buy for them. It’s a common problem, as some people just seem to literally have everything. But especially difficult is grandpa and/or grandma.

Luckily, there are still fun, unique gifts out there that can be had for very reasonable prices and that will really elicit a “wow, that’s so neat!” response from your grandparents or even from an unrelated but special “senior citizen.”

One of those unique gifts is the gift of American land. Yes, you can actually purchase one square inch of land in any/every state in the union. This gift is not only fun and original, but it’s also very sincere, as you will actually be issued a legal land deed for your purchase. Yes, a legal deed! Not only that, but the deeds can be personalized for almost any occasion, and will almost guarantee that your gift is the most popular one at the party or wherever you present your gift to your elder.

The gift of land is perfect for grandparents or quite honestly anyone from newborn babies to college students who will brag to their friends that they own land in all fifty states in the good ol’ US of A. This also makes an outstanding gift idea for Real Estate agents, professors, and even your boss. It has the gag gift feel, but with the official land deed and property listings booklet, they’ll know right away that they actually own a real piece of land.

The land deeds can be customized for birthdays, anniversaries, and pretty much any major holiday that you can think of. If you’re in a hurry for a clever, last minute gift idea, you can also have the certificate of land ownership emailed to you for easy printing and gift giving. So you’ll never have to worry about going shopping the night before a holiday or event. You can shop in your pajamas and still show up with the best present in the house!

If you have a little extra time, you can order the “gift of land” in a frame or even on an attractive, highly professional plaque for easy display. You can also just order the individually numbered deed by itself if you want to frame it or display it yourself.

Giving your grandmother, grandfather, a senior, or anyone the opportunity to own a piece of America, one square inch at a time, is not only something they can forever be proud of, but it will create a lasting impression of you as the gift-giver, which will more than likely pay off in the future.

There aren’t many places on the Internet where you can get your own piece of American land but the best place for great gifts for senior citizens might be www.veryclevergifts.com.

Author’s biography

Scott Moger is an Internet entrepreneur and author who has been published internationally. He’s CEO of EmaxVentures and has published a book on Internet marketing which includes chapters about gifts for senior citizens and unusual gifts for seniors. Earlier Mr. Moger held top management positions at Columbia Pictures, ABC TV, and 20th Century Fox TV and has represented Miramax Films and Warner Brothers TV.

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Fitness For Senior Citizens by Thomas Shay

July 5, 2013 by · Leave a Comment
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As people grow older, their fitness level goes down due partially to indifference and also due to the aging process. People in the age group of 60 – 80 come under this category.

Their problem relating to physical and mental health can be tackled in a planned and scientific manner. Fitness is affected not only by physical illness but also by mental stress. The problems are universal and similar if not identical, among all senior citizens, irrespective of social or financial standing.

When we talk of physical health it is mostly a matter of proper diet and exercise. A doctor will say “Take plenty of vegetables, fruits, milk with rice or wheat preparations” to vegetarians and will add meat, fish and poultry to non-vegetarians. He will also mention the proportion of each item.

The well to do can follow the doctor’s instructions meticulously, provided they have the inclination to do so on a permanent basis. That will keep them out of harm’s way. They can be free of stomach disorders and other related illness. The problem crops up for people who cannot afford what the doctor prescribes as diet. There is no solution in this case.

Light exercises are recommended for old people. Nothing will strain the aging parts of the body is allowed. The best form of exercise, for a senior citizen is a brisk or ordinary walk, according to his physical condition and strength, both in the morning and evening.

There will be a marked reluctance to do exercises regularly and it cannot be avoided. It will of course affect the fitness level. This goes for the diet also. Most aged people eat what they like but not well for their system and end up in a clinic.

So, it is a bit difficult task to keep themselves fit but the effort should be made by near and dear ones to enforce some sort of discipline at least in the matter of diet. But, there is a very different aspect for aged person losing fitness is mental trouble. It is mostly a feeling of being unwanted by the younger generation and consequent reluctance to take care of their health.

Old age homes though providing food, shelter and medical needs cannot help in this matter. Only love and affection from their children and other members can give solace in this problem. In fact in such a situation the senior citizens may remain physically fit also.

Thomas W. Shay is a long time Author and Computer Consultant. Come visit his latest website about finding the best deals for Radial Arm Saw [http://www.radialarmsawshop.com/] and learn about Radial Arm Saw Safety [http://www.radialarmsawshop.com/radialarmsawsafety.htm] when using them.

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A Guide to Medications For Senior Citizens by David Crumrine

June 24, 2013 by · Leave a Comment
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Although modern medicines have many benefits for senior citizens in treatment of age-related disease, caution needs to be taken when using a combination of medicines. Medicine or “drugs” can refer to any substance you get with a prescription, any oral or topical substance used for pain relief, and dietary supplements. Any substance that has the potential to interact with other substances in the body can be considered in this category. To prevent mixing medicinal substances together that could be harmful, always let your doctor know what medications you take in addition to those prescribed. Senior citizens should keep a list of medications and doses that they take and bring it to every doctor’s appointment.

It is very important to practice safe habits with medication as many drugs can be lethal is taken in the wrong way. Senior citizens should use the following tips to ensure safe use of medication. Companions or caregivers should use these tips to help facilitate and encourage proper medication use.

Tips for when you are Prescribed Medications

When a doctor prescribes a new medication for specified symptoms, remember the following tips for how to proceed afterward:

 

  • Tell your doctor about all other medications you currently take,
  • Remind primary care physicians about allergies that you have or side effects that you experience from other types of medications.
  • Be sure that you understand exactly how all of your medications work and how to properly take them.

 

Here are some helpful questions to get this information:

 

  • What is the name of the medication?
  • Why am I taking it?
  • How many times a day should I take it?
  • Should I take this medication before, during, or after meals?
  • What does “as needed” mean?
  • When should I stop taking the medication?
  • If I forget to take the medication, what should I do?
  • What side effects can I expect?

 

You can also ask your pharmacist these questions and others to get more information about your medication. By having all of your medications filled at the same pharmacy, the pharmacy may be able to predict harmful interactions if all of your medications are kept on file. When getting a prescription filled at the pharmacy, keep these tips in mind:

 

  • Be sure that you can read and understand all directions and writing materials that accompany prescribed medication.
  • Check that you can open the container the medicine is in.
  • Let your pharmacist know if you have difficulty swallowing pills, so that you can get a liquid variety if available – Do not crush or chew medication meant to be swallowed.
  • Ask about the best way to store the medication.
  • Be sure that the label of the medication indicates that it is the correct medication you were prescribed and displays your name.

Tips for Taking Medications 

After filling a prescription for a medication that you received from your doctor, you should be sure that you follow directions for taking that medication. Here are some tips for safely taking a combination of medications:

 

  • Have a list of medications; include the doctor who prescribed it, the name of the medication, the reason you take it, and the directions for use.
  • Read and save all written information that comes with prescribed medication
  • Take your medication exactly in the way that it is meant to be taken.
  • Let your doctor know immediately if you experience any unexpected side effects from the medication.
  • Use charts, calendars, or weekly pillboxes to help you remember which medications to take on a daily basis.
  • Make sure companions or caregivers know when and how you are supposed to take your medication so that they can remind you.
  • Do not skip medication – if you have trouble affording medication, research programs that can aid in funding for needed medications. Medicare, a government program for senior citizens, may be a good place to start.
  • Avoid mixing alcohol and medication – alcohol can cause medications to not work correctly.
  • Take medication until it is finished or your doctor instructs you to stop.
  • Do not take medication prescribed to others.
  • Do not take medication in the dark to avoid making a mistake.
  • Check expiration dates on your pill bottles in case a medication should be replaced.
  • Do not leave your medication in the open where children or pets could get to them.

 

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.

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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.

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Memory Loss in Senior Citizens by David Crumrine

June 20, 2013 by · Leave a Comment
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Many senior citizens experience some form of memory loss. Still, there are differences between mild forgetfulness and more serious memory problems. And, it is important that senior citizens and those involved in their elder care address problems with memory, as it may be a sign of a more serious condition.

Mild Forgetfulness

As we age, we lose some of the sharpness of memory we had when we were younger. We may notice that it takes longer to recall facts or information, learn new things, or find or identify familiar objects. In general, these are all signs of mild forgetfulness rather than a more serious medical problem. If you are becoming worried about your memory, schedule an appointment with your doctor to rule out larger problems. Many activities can sharpen your mind and memory, such as picking up a new hobby, visiting friends, eating well, and exercising.

Some more tips for helping your memory are listed below:

 

  • Learn a new skill.
  • Volunteer in a local school, hospital, place of worship, or somewhere else in your community.
  • Spend a lot of time with loved ones.
  • Make use of memory tools such as large calendars, agendas, and notes to yourself.
  • Make an effort to put your wallet, purse, keys, or glasses in the same place each time you set them down.
  • Get ample rest.
  • Exercise and eat a healthy diet.
  • Avoid drinking a lot of alcohol.
  • Seek help if you feel depressed for an extended period of time (more than two weeks).

 

You can also make use of the following:

 

  • Large calendars
  • Agendas for each day
  • Notes about safety in the home
  • Directions for using common items around the house

Serious Memory Problems 

More serious memory problems disrupt your ability to carry on normal activities like driving, shopping, or handling money. Some signs of a serious memory problem include:

 

  • Repeating the same questions over and over.
  • Getting lost in a usually familiar place.
  • Being unable to follow directions.
  • Experiencing confusion about time, people, or places.
  • Taking poor care of yourself (eating poorly, forgetting to bathe, or engaging in unsafe actions or activities).

Causes of Serious Memory Problems 

Medical conditions. Certain medical conditions can lead to serious memory problems that should disappear after treatment. Some things that can cause memory problems are bad reactions to certain medications, depression, dehydration (insufficient amount of fluids in the body), poor diet (insufficient vitamins and minerals), minor head injuries, and thyroid problems. These are all serious medical conditions that should be handled by a physician.

Emotional problems. When senior citizens have certain emotional problems, serious memory problems may develop. Sadness, loneliness, worrying, or boredom can cause confusion and forgetfulness. An active lifestyle, visiting with loved ones, and learning new skills can be helpful, but it may be necessary to seek the help of a doctor or counselor for treatment. If this is the case, getting proper help should minimize memory problems.

Alzheimer’s disease. This disease also causes problems with memory. It begins slowly, but the symptoms get progressively worse as the brain changes. Although it may appear to be mild memory loss at first, people with Alzheimer’s get to a point at which it’s difficult to think clearly. Everyday activities like shopping, driving, cooking, and carrying on a conversation become complicatedTaking medication during the early or middle stages of Alzheimer’s disease can delay memory loss and can be of great help if you have trouble sleeping or are worried or depressed.

Multi-infarct dementia. This is another disease that causes memory problems, where symptoms often appear abruptly. Memory loss and confusion associated with this disease come about through small strokes or short periods of decreased blood flow to the brain. Preventing additional strokes can maintain or improve memory after a stroke, but having more strokes generally leads to more memory loss. To prevent strokes and multi-infarct dementia, maintaining a healthy blood pressure is key.

Diagnosing Serious Memory Problems

As with all health concerns, if you have cause to worry about your memory, you should see your doctor. Be prepared to have a complete checkup if your doctor thinks it is necessary. This checkup may include tests to check memory, problem solving, counting, and language skills, and your doctor may need to take a CAT scan of your brain. A CAT scan is helpful because it shows normal and problem areas in the brain and can help to identify a problem. When your doctor comes to a conclusion as to what is causing your memory problems and makes a diagnosis, ask which treatment options are best for you.

Support

Friends and family members can provide support to help you cope with memory loss. They can help you exercise, visit friends, and continue daily routines and activities. They can also remind you of the time, your location, and what is going on around you.

If memory problems progress to the point that you have difficulty taking care of yourself, in home care for senior citizens can be helpful. Home health care aides can assist with personal care, meal preparation, and health management. And they provide services according to your need, from a few hours a week to 24-hours a day.

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

 

Memory Techniques For Senior Citizens – Secrets to a Lasting Memory! by Carson Hill

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

The mind is very capable of growing and generating beyond what we give it credit for! Senior citizens can greatly reduce their brains lack of focus by taking time for small brain stimulation sessions each day.

I recommend starting your brain exercise five minutes a day, Monday through Friday and gradually working up to a fifteen minutes a day session. The objective of the brain sessions is to only focus on the minds growth by stretching it beyond it’s normal though capacity.

Brain techniques can consist of anything that stimulates the mind beyond it’s normal thinking capacity. A great place to start is number memorization. The great thing about number memorization techniques is that it is simple and very easy to chart progress. It is also optimal for brain stimulation since numbers are not fairly plain and not distracting. When doing brain stimulation, you do not want to be in the creative, visual mode.

List about three to five numbers on a piece of paper. Now turn the paper over and see if you can remember what numbers you just wrote. Use thicker paper so you can not see the other side. Now add an additional digit until your brain is really having to stretch to remember them all. This is were the benefit results!

Do this for about fifteen minutes a day, five days a week and you will begin to notice additional focus ability and memory strength. These two assets go hand in hand!

You may incorporate other exercises as long as they do not distract you. keep the goal of your exercises mind resistance and not increased intelligence. Work your mind out just like you would a muscle.

Now that you understand the basic principle behind memory technique with an exercise method available, you can start to schedule five minutes of your day aside for this alone. You will be amazed how much this small exercise can help your ability to focus and remember.

If you liked this information you may locate more details at http://www.regrowmybrain.info You can also visit: http://www.squidoo.com/memory-fitness-for-senior-citizens

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

 

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

Senior Citizens Need Their Pets by Debbie Foster

June 17, 2013 by · Leave a Comment
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Most senior citizens who have pets treat them like they are their children. Of course, you don’t need to be a senior to do that, but homes without children of the human kind truly do have children of the furry kind.

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

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

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

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

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

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

Senior Citizen Travel Insurance by Kirthy Shetty

June 15, 2013 by · Leave a Comment
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If you’re having a retired life and are looking out for a holiday package then, don’t overlook your insurance cover. It’s indispensable to get yourself insured while you travel so that if you happen to fall sick or break down due to some illness you don’t have to incur a huge medical expense in a foreign country. Avert any astronomical medical expenses. Enjoy your vacation. Look out for your options under Senior Citizen Travel Insurance cover.

o Discount Airfares, Holidays & Vacation Packages

Online travel planning and flight-booking. Purchase airline tickets online, find vacation packages, and make hotel and car reservations, find maps, destination information, travel news and more.

o Travel Information, adventure, travel and luxury tours

African safari with Abacus African Safari vacation – romantic and exciting African safaris adventure travel, exotic honeymoon, family tours or luxury safaris.

o Sales Courses

UK sales training and courses for business and personal sales development. Improve your sales skills with our industry recognised courses.

o Mortgages UK

UK based mortgage supplier offering first time buyer, variable rate and fixed rate mortgage quotes.

Such Insurance covers any illness or accident whilst traveling? You’re at the right place; special insurance policy such as a Senior Citizen Travel’s offers a good insurance cover for senior citizens in the age 65 to 89 years.

Other Travel Insurance covers available are:

Single Trip Insurance:

Cheap holiday insurance is available as and when you need it. Single trip cover is simple to arrange and offered at fantastic prices online.

Annual Travel Insurance:

Ideal for families, annual cover can often be cheaper than arranging single trip insurance every time. Best of all, it means you only have to think about it once and every time you go away you can relax in the knowledge that you’re protected.

Backpackers Insurance:

The longer the trip, the higher the risk of mishap and the more you’ll need to be backed by excellent cover in the event of an emergency. Online backpackers travel insurance won’t blow your budget and covers a wide range of trips – from a month’s jaunt around Europe to your next global adventure.

Business Travel Insurance:

Business travel can be stressful, infinitely worse if something goes wrong. Stay stress-free with our cost effective and tailor made business travel insurance packages.

Golf Insurance:

Golf insurance is vital, and not only for the reasons you may imagine. In addition to the risk to themselves, golfers can accidentally cause injury to others and even damage to property. An excellent insurance deal may make your next game less expensive!

With Senior Citizen Travel Insurance avail annual multi-trip policies for people up to the age of 79. Over 65 tour insurance policies are designed for mature and retired people in UK looking for good all round holiday cover at a competitive price. Try your online route for more options.

Kirthy Shetty, expert author, platinum status

Ski Travel Insurance services online:

Ski Travel Insurance

Online Back Packer Travel Insurance UK:

Backpacker Travel Insurance

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

 

Senior Citizen Laser Eye Surgery by Dr. Frank Thomnpson

June 15, 2013 by · Leave a Comment
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Presbyopia is one of the most common conditions affecting senior citizens nowadays. Presbyopia is caused by the eye’s inability to focus in old age, especially with near objects. Thus, blurring of vision occurs, more prominently in the dark. Presbyopia typically presents with blurring of vision when looking at near objects, requiring patients to hold objects far away to be able to see or read. Some people who are nearsighted before they are 40 years old find that their nearsightedness is actually surprisingly advantageous, allowing them to see more clearly when presbyopia starts to set in.

Previously, presbyopia was treated with corrective lenses that are able to compensate for the loss of the eye’s ability to focus effectively. If the patient has an additional refractive error, convex lenses can be used. If corrective lenses aren’t enough, senior citizens can be given a prescription for bifocals or multifocals. The downside to the use of these lenses is that they can occasionally distort the images that you see. Also, the prescription of the glasses changes constantly, as presbyopia progresses.

Senior citizens who would rather not use eyeglasses or contact lenses can opt to undergo laser eye surgery in order to correct presbyopia. Typically, LASIK eye surgery is used in correcting presbyopia. Conventional LASIK eye surgery, however, can further aggravate the senior citizen’s inability to see things up close. Thus, instead of employing the typical LASIK eye surgery, a specific approach, known as monovision, is used.

The monovision approach was initially employed using contact lenses. One contact lens corrects near vision in one eye while the other contact lens corrects distance vision in the other. In time, a more permanent form of monovision was developed. Instead of using contact lenses, laser can be used to permanently change the vision of the eye. One eye can be permanently corrected for near vision while the other eye is permanently corrected for distance vision.

Some people find it very hard to adjust to monovision. Before undergoing monovision laser eye surgery, it is a good idea to first try with contact lenses. This will help you determine whether you can handle permanent monovision or not. If you can’t, laser eye surgery may not be for you. You may want to consider other forms of treatment for presbyopia. These treatments include the use of intraocular lenses and novel techniques, such as the use of scleral expansion bands and the surgical reversal of presbyopia, or SRP.

If you would like to learn more vital information that is critical to your well being then visit the resources below.

Cons of Lasik eye surgery [http://www.correctiveeyesurgery.biz/consoflasikeyesurgery.html]

Laik corrective eye surgery [http://www.correctiveeyesurgery.biz/lasikcorrectiveeyesurgery.html]

Corrective eye surgery [http://www.correctiveeyesurgery.biz]

Article Source: http://EzineArticles.com/?expert=Dr._Frank_Thomnpson

 

Grants for Senior Citizens: Why Apply? by Erin Millano

June 13, 2013 by · Leave a Comment
Filed under: Articles 

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

Senior Citizens Vs Crime by Victor C Swindell

June 13, 2013 by · Leave a Comment
Filed under: Articles 

What can we say about Senior Citizens?

  • They are Old!
  • They are Slow!
  • They have money!
  • They have nice expensive stuff!
  • They make easy targets to rob and beat up.
  • And almost no one seems to care.

 

Lately, you many have seen various news stories where senior citizens were a target of crime. In one of the latest stories in 2012 a WWII veteran was attacked, beaten, and car-jacked during daylight at a busy Detroit gas station and he had to crawl across a concrete parking lot to get help. If this wasn’t tragic enough there were lots of people who walked and drove pass him during this ordeal. What a shame! If you have seen the TV Show WHAT WOULD YOU DO, you know that we have a society of people who choose not to get involved, or treat a crime in progress like watching a reality television show. Some would say that this is a sign of the modern times, but it has happened before. During the same war in which this soldier fought a government decided to lie, round-up and exterminate some of its citizens, while other citizens turned a blind eye and did nothing. So history would prove that, many citizen chose not to get involved. We all hope that when we are in danger that others would come to assist us. Don’t necessarily count on it. The first line of defense in your life is YOU.

7 Things Senior Citizens Can Do

  1. Have a crime preventions specialist or local police give your residence a home security survey. They can tell you of things you can do to decrease you chances of being targeted.
  1. If you are returning home, look around of suspicious-looking strangers, have your key ready. If someone is home, alert them that you are coming home and to keep watch out for you. Don’t linger at the door. If you see someone near your house, go to your neighbor’s house and pretend to be a visitor, and it would be a good time to call the police.
  1. Establish a light up and lock-up routine to make sure all your doors and windows are locked. Be sure to close your drapes and pull down shades when you are retiring for the night.
  1. Jesus sent his disciples out two-by-two. This is an example you should adopt if possible. Whenever you need to go shopping or on an excursion that take you away from home, try to take a friend or relative with you.
  1. Try to vary your routines, you don’t know who is watching you and trying to figure when you are not going to be home.
  1. When parking, Try to park as close to your destination. Younger people should park a little further out to save spaces for elderly people.
  1. Be mindful of strangers, not all of them are really trying to help you- TRUST YOUR GUT!

 

Victor Swindell is a freelance writer of informational blogs on self defense and security countermeasures. PepperEyes.com is dedicated to providing you with the best and most affordable personal protection products on the market to meet your security needs. We believe that in today’s society being equipped mentally and physically is no longer an option.

visit http://www.peppereyes.com

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

 

Mobile Phones For Senior Citizens by Kathie R. Dionisio

June 13, 2013 by · Leave a Comment
Filed under: Articles 

Many of the old people I know are fixed in their ways and they have the idea that they’re not up to using new technology. However, a cell phone in the hands of a senior citizen can be a life-saver. It’s pretty useless having a land line if you’re face down in the back yard after falling down.

They have these little devices that senior citizens can wear around their necks, but all they do is summon emergency services and the monthly cost is way higher than the cost of a cell phone. It’s mostly the older generation that keep their land lines anyway, so if you know a senior citizen that may be at risk, try to persuade them to get a cell phone instead, the cost may even be less.

Most senior citizens won’t want to text their BFFs in the assisted living facility so a simple cell phone will be the answer. Most of us have old cell phones somewhere in the house and giving an old cell phone to an old person is a thoughtful way to recycle them. In some areas there are charities where you can drop off your unwanted phone and they are distributed to older folks who may be in poor health or live alone. It’s even a good way to get rid of the charger too, because many cell phone recycling places don’t want the old cases, car or wall chargers.

If the old person can get into the habit of carrying a cell phone in their pocket all the time then help will always be at hand for them. You may have to sit down and show them how to use it including how to plug it up and recharge it, but if you can impress on them how helpful it will be in case they have a problem, then they might listen. Call every day to make sure they’re carrying it.

Many seniors unfortunately suffer from Alzheimer’s or senile dementia and hundreds of them wander off and get lost every year. If you have an elderly friend or relative, you could add a GPS tracking system to their phone, hopefully they will remember to take the phone with them before they go wandering off.

Even if it saves just a few from getting into serious problems it’s a good idea. Chances are they won’t use it much anyway, so a pay-as-you-go plan that costs only $10 a month may be sufficient to keep them safe and give you peace of mind if you can’t visit as often as you like.

Find out more about mobile recycling and recycle iPhone 4 16GB options.

Article Source: http://EzineArticles.com/?expert=Kathie_R._Dionisio

Tips For Senior Citizens To Live Safer And Longer In Their Own Homes by Jamie McAdams

June 13, 2013 by · Leave a Comment
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As people age, they are more prone to injuries occurring in their home. Common injuries that affect senior citizens are falls that occur in the home. In addition, medical emergencies often occur while a person is at home, and can be life threatening especially if immediate medical attention is not taken. Relying on other individuals being around to call for emergency services is a risky proposition, as for example if a fall happens in the shower it may take hours for someone to realize what has happened. Every minute is vital during injuries and medical emergencies.

While falls are a common cause of injury, there are several steps one can take to help prevent falling in the first place. These fall prevention tips include staying fit and active, wearing sensible shoes, removing tripping hazards from the walkways in the home, and ensuring walkways in the home have ample lighting. In addition, ensuring that stairways have hand rails, steps have non-slip treads, toilets are at the appropriate height, and grab bars are in the shower and tub helps to prevent falls.

In addition to the fall prevention tips listed above, it may be important to consider other ways of improving safety at home. To offset the dangers of living or being at home alone as one ages, a home medical alert system could be considered as an important component of living safely and independently at home.

A medical alert system is simply a system that enables a person to push a button, typically waterproof and worn somewhere on the body, which causes the medical alert company to respond typically within 20 seconds. The company is able to provide assistance over the phone, contact friends and relatives, and notify emergency services personnel if required.

Medical alert systems are appropriate for people who live alone, who are 65 years of age or older, have fallen in the past 3 years, who are worried about falling in the shower, and who have any health issues which could potentially require use of an ambulance. A medical alert system can provide peace of mind for seniors and their families, and can help keep seniors living in their own home independently.

Visit [http://www.MedAlertSystems.us] for more information on medical alert systems.

Jamie McAdams has worked in home health care and has worked with senior citizens in-home.

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

Informative Information for Female Senior Citizens and Purse Snatching by Lawanna Bean

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

Female Senior Citizens and Purse Snatching

I have read several articles recently about older women having their purses snatched. I am a 70 year old female senior citizen and realize that women who are older are perfect victims for purse snatchers. Mainly, because they are not able to defend themselves as well as a younger, more alert and strong person. Being a female senior citizen, this concerns me personally.

Did you know that statistics are that the majority of purse snatchers are young men under the age of 18? They are quicker, stronger and more alert, so an older woman would be a prime target for them.

By the way, if you try to hold on to your purse or resist in any way, there is always the possibility that you could fall and break a hip. Older people don’t have the balance they once did when they were younger. And for some reason, we tend to fall differently. When we are younger we are able to think quick enough to try and brace our fall. But as we get older, we don’t always think to do that, therefore we are more prone to broken bones.

There are a lot of challenges being a senior citizen. Just to name a few:

 

  • Balance,
  • Difficulty hearing
  • Impaired vision
  • Forgetfulness
  • Our side peripheral vision is not as good as it once was

 

Personally, I have to admit carrying a purse is just one more thing to keep up with when I’m out and about. And now we have to remember to have our cell phones with us at all times as well as our keys and our and purses. It’s just too much! So it’s very important to eliminate as many opportunities of having your purse snatched as possible.

Scenarios for Purse Snatchers:

 

  • It’s not a good idea to go shopping alone. If possible, go with a friend.
  • I know better, but I have been guilty of walking a few feet away from the grocery cart at the grocery store with my purse in it. NOT a good idea. Never leave your purse open or unattended.
  • Waiting for a bus at a bus stop.
  • Areas that are not well lit at night.

 

Common Sense Ideas:

If it’s at all possible, leave your purse at home. Put the credit card and/or checkbook in your pants or jacket pocket. That way, the opportunity is eliminated entirely. For some reason, we tend to think that we have to have all of our credit cards, checkbooks, etc with us at all times.

 

  • A good investment would be a Fanny or Belt Pack. Granted they certainly aren’t very pretty, and you can’t carry very much in them. But they have the advantage of fitting snugly around your waist and are easily accessible when you need them. You can even wear them under your shirt or jacket. They have just enough room for a little cash, a credit card and your driver’s license, all the things that are necessary for a shopping trip.
  • And for goodness sake, don’t be guilty of putting your name or address on your keys. Then you not only have lost your purse, but you have the added worry of knowing the person now knows where you live.
  • One idea that works for me, if I think of it, is to put my purse at the bottom of the grocery cart before I start shopping. That way, someone would have to literally empty my cart to get to my purse.

 

Carry a Purse if You Must

Some of us old timers think a purse is a necessity. So if you really have to take a purse with you only carry whatever is absolutely necessary. Leave all unnecessary valuable items at home.

If you do carry a credit card, it’s a good idea to make a copy of the number and phone number so you can call and report it as lost or stolen.

Ways to Protect Yourself

 

  • For under $10.00, you can have a small container of Pepper Spray or Mace. Pepper spray often has a quick release key chain that allows you to separate your keys from the pepper spray container. It sprays up to 10 feet and will temporarily blind your attacker.
  • There are inexpensive personal alarms that can be put on your key chain. If you are in harm’s way, just a touch of a button will send off a high decibel crisis alarm and send the perpetrator packing!
  • There is an alarm that fits around your wrist and also attaches to your purse. If someone tries to grab your purse, the pull of the purse will set off an alarm immediately. In most cases, the person will drop the purse and run for their life.

 

Remember, when you carry a purse, it’s always in plain sight. That, in itself gives the purse snatcher a golden opportunity to just grab it and run. Always take precautions and protect yourself!

Don’t be a Victim!

Lawanna Bean is passionate about marketing products that will help people stay safe. The products she found are top quality and competitively priced. Most of us can’t afford an expensive home security system, but that’s no reason we can’t be protected. A canister of mace or Pepper Spray costs under $10.00. Personal safety for you and your family should be your No. 1 priority!

Be sure and visit her website, http://www.peppersprayetcstore.com. Get informed and take action today!

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

 

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
Filed under: Articles 

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

 

Medicare and Medicaid For Senior Citizens by David Crumrine

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

There are two main programs administered by the government that offer benefits to senior citizens – Medicare and Medicaid.  Medicare is available for all senior citizens age 65 or older.  Those under age 65 with certain disabilities may also be eligible for Medicare.  If you are not a U.S. citizen, you must have entered the U.S. lawfully at least five years prior to receiving Medicare benefits. Medicaid is for people with limited income.

Medicare has two parts. Part A is the hospital insurance and Part B is the medical insurance.

Medicare Part A can pay for home health care if the patient meets certain requirements.  Part A is set up mainly to pay for care in a hospital or skilled nursing facility, or by hospice.  Depending on the amount of Medicare taxes paid by the patient and their spouse over their lifetimes, they may not have to pay a monthly fee for Medicare Part A.  Otherwise, the patient may have to enroll and pay a premium.

Medicare Part B is the medical portion which helps pay for medically-necessary doctors’ services and other patient care.  Part B can also pay for some preventative services (like flu shots) or some services to keep certain illnesses from getting worse.  The standard monthly premium for Medicare Part B was $96.40 in 2008.

You have two main options in how you get your Medicare coverage.  

You can choose traditional Medicare coverage, which is managed by the Federal government.  This plan provides Medicare Part A and Part B coverage.  The recipient can choose to have either Part A or Part B or both.  There is a mandatory deductible, and usually coinsurance charges for each time one gets service. A Medicare supplemental insurance policy known as “Medigap,” can also be purchased. This helps pay for some of the “gaps” such as co-payments, coinsurances, and deductibles.

Medicare Advantage Plans, offered by Medicare-approved private insurance companies (called Part C) is another option.  They generally provide services in addition to Part A and Part B services.  Co-payments, co-insurance, and deductibles are likely to be less, but you pay a monthly premium.

Medicare Part D is available for senior citizens with limited income to help pay for prescription costs.

Medicaid

Medicaid is a health insurance program designed for people with low-income.  It is funded by both the Federal and state government.  Each state administers the program for its residents. Rules for eligibility include the potential recipient’s income and assets.  Each state may have slightly different rules for determining financial need and other eligibility requirements.

If the senior citizen you are caring for has limited income, you should apply to find out if he or she is qualified.  Find a qualified caseworker in your state to help you with the application process.  You may have to pay a co-pay for certain medical services, depending on your state’s policies.

Medicare and Medicaid will pay for most of the medical expenses, including nursing home care, for those who qualify.

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

 

Senior Citizens Want to Stay Healthy by Irene Mori

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

Of course, everyone wants to stay healthy. Young people are generally in good health. As we age, our bodies are affected. Senior citizens these days seem younger than they used to be, or it is just a matter of perspective that they don’t seem as old as they once did. Health and nutrition are of greater importance today, and more senior citizens want to stay young and healthy. They are willing to do whatever it takes to stay that way. Many older people are exercising and taking care of their bodies. They are interested in good nutrition and are willing to pay good money for products to help maintain youthful lives as much as possible.

Baby boomers have entered the senior years, and they have been having a profound influence on markets for years. As they age, the health and wellness industry is expected to grow by billions of dollars. New nutritional supplements are popping up all over the grocery store shelves. Liquid juices with nutritional benefits are extremely popular.

Many network marketing (MLM or multi-level marketing) companies have jumped on the band wagon to tap into the huge market of liquid nutritional supplements. It seems that new companies emerge regularly. Although their products are generally more expensive, people join these companies because of the hope of earning money while buying products they like at wholesale.

Senior citizens may be looking for a way to supplement the incomes which have dwindled over the years as the bad economy has taken a hit on their retirement funds. Even the normal, though meager, cost of living increase which they had received on social security funds was lacking this year. They may turn to network marketing as a means of earning extra income from a home based business.

Network marketing offers a hope and a promise. New distributors signing up for the chance for substantial income in this industry should realize that 97% of the people who sign up fail. It can be very lucrative and beneficial. However, it is not as easy as they make it sound when a new distributor is recruited. Except perhaps for the few new people who are natural sales people and already leaders in other fields of endeavor, it takes a great deal of hard work, determination, and persistence to find any measure of success in network marketing.

You need to be a leader or get yourself hooked up with a leader who will help you to succeed in this business. It is not easy, but it is possible to build a substantial income or even a small amount of money each month which may be all that is necessary to make life better for some senior citizens.

Irene Mori is a distributor with a network marketing company selling a liquid nutritional supplement made from seven super fruits. If you are interested in receiving help with for building ANY MLM company, check out: http://www.moremlmsuccess.com.

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

 

Cremation Or Burial – What Do Senior Citizens Prefer? by Padmanabha Vyasamoorthy

June 10, 2013 by · Leave a Comment
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Society for Serving Seniors, an NGO in Secunderabad recently conducted a small survey asking people (all respondents are retirees above 55) to state how they desire to be disposed off after their death. Out of some 550 people to whom this was circulated, only 26 answered the questionnaire. The main reason for this low response is that old people do not want to discuss death and related issues!

The results for the five options posed are given below:

 

Disposal Method                         Number        %

 

Cremation – wood -Traditional 1 3%
Burial, Cemetery 1 3%
Donated to Medical School 12 46%
Cremation, Electrical 12 46%
Thrown into River for fishes 0 0
Mummified & preserved 0 0

 

In India we continue to have traditional cremation with firewood at burning Ghats and Electric crematoria in State maintained funeral homes. The latter have come up in recent years. We being tradition bound, most people may not like to mess up with death related activities, I thought. However, much to my surprise, I find that 46% of people want to donate their bodies for medical schools and organ donation. Another 46% prefer Electric cremation but only a small percentage prefer to go in for Traditional firewood cremation. Persons opting for burial constitute just 3%.

Burial is fraught with extensive land being put to dead use. Land costs are sky rising and it is difficult to find more and more land to be allocated for burial grounds. At any point of time the total number of dead persons will always be increasing compared to people who are alive. Have you not heard the phrase ‘joining the Majority’ meaning ‘ceasing to be’? Therefore burial as a mode of disposal of the dead body should be done away with. As this is connected with religious sentiments, it is difficult but worth trying.

Electrical cremation is fast and relatively pollution free. Problem of bad smell is also eliminated. But they are power intensive. Findings of this survey call for establishing more electric crematoria. NGOs concerned with organ harvesting should increase their marketing activities and reach the right type of people so that Living Wills could be made properly.

That many persons are willing to donate their bodies after death for useful purposes is very encouraging. As already indicated most people are vary of entertaining any talk about death. And death related customs and rituals are adhered to more out of social pressure than out of free will to follow. Being ready to donate one’s body for medical research involves courage and convictions. This happy trend must be encouraged by proper sensitization of senior citizens. This can be achieved through Senior Citizen Associations and NGOs working for elders.

Dr P Vyasamoorthy is a 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.

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

 

Why is Bankruptcy a Growing Problem For the Senior Citizen Generation by Gerald Lewis

June 10, 2013 by · Leave a Comment
Filed under: Articles 

Today, senior citizens are facing bankruptcy at an alarming rate. Why is that?

The two main reasons is simply time and money. Because of increase prices for our normal goods and the fact that seniors are living longer today more that ever before, seniors are out living there money more and more. Sometimes is poor planning, sometimes is higher medical cost or loss of retirement income from company cutbacks, company closings or jobs going to other countries or a combination of all.

But higher prices for ordinary goods and services have hit the senior citizen community very hard. Plus the older we get the harder it gets. The bankruptcy filings of those 75 and older has quadrupled over the past several years. This information is from a study by “The Consumer Bankruptcy Project” which examined a sampling of noncommerical bankruptcy filing between 1991 and 2007

Again, what do we do? Many take full time, part time jobs in retail, food service, or other service positions that pay low wages just to help make ends meet.

But more and more of us are turning to the computer and the internet looking to start our own home based business. The internet does not ask how old you are or what is your work history, your background or anything else. It does not care. You get rewarded for what you do and know and nothing more.

But because of our age and for the most part, fixed income,we don’t have a lot of time and money to spend on trial and error. We need to know what we are doing the first time around.

I think most of us, when thinking of a home based business, think of multi level marketing,amway, herbelife, etc. But what they teach, going to meetings, in-home showings, etc, takes the two things we don’t have to waste. Time and money.

Again, where do we go and what do we do? There is a new system in town and it called attraction marketing. When done right, it’s designed so your potential clients will come to you instead of having to go after them. You become the hunted instead of the hunter. This in turn will save us all a ton of both time and money.

Do it right, and where you are to day will be only a bad dream from where you could be or at least well on your way a year or so from now.You deserve the financial safety this means to you. It is also something you can teach your children, grandchildren how to do and let them continue with your success long after we are gone. There is an old saying “you can give a man a fish and he eat for the day, teach him how to fish and he and his family eats evermore.” What more could you leave behind.

Thank You

Jerry

My name is Jerry and I am of the senior citizen generation and I am dedicated to showing others like myself who are not ready to roll up the sidewalks and are still active and still eager to learn. The Internet is a great source if your looking to start a home based business. My business is showing other seniors how to succeed, step by step, click by click how to succeed in internet marketing.

[http://renegaderunway.org]

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

Senior Citizens – If You Cannot Be Your Own Advocate For Your Medications, Get Help! by J Delms

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

Senior citizens purchase 35-40% of all prescribed and over-the-counter (OTC) drugs. Seniors between the ages of 65-84 take from 14-to-18 prescriptions annually. Up to 25% of these medications are considered unnecessary or inaccurate.

The Internet offers numerous articles and other information on how senior citizens can protect themselves from over-medication and other unnecessary treatments. Some of these articles are written by physicians who realize that medical drugs are not the answer to all health conditions. Additionally, a recent midwestern newspaper article indicates that less than half of our medical care is supported by adequate scientific evidence. These kind of articles also offer recommendations for protection from the harmful side effects of too much medication.

Recommendations

1. Good insurance pays. Although health insurance is a good thing to have nowadays, do keep in mind that your insurance and drug plans could be prevailed upon for medical business reasons. If you already have medicare and other health insurance, your health condition could inadvertently be targeted for more treatments than really necessary.

2. Common sense. Listen to your best instincts about the treatments you might or might not need. Do not passively accept medication without knowing its exact health goal and purpose first. Ask questions about your prescription and why you need it for your specific condition? Make sure this treatment makes sense to you.

Although senior citizens account for only 13% of the population, they purchase up to 40% of all medications. Therefore, document any side effects from your prescriptions, and report them to your doctor, e.g., headache, cough, drowsiness, dizziness, pain, itching, gas, upset stomach, or constipation. Your doctor can change these medications if they cause you discomfort.

3. Take someone with you to an appointment. Take a friend or family member with you when you see your doctor. This person will add to your advocacy by giving you emotional support, and by helping you thwart questionable prescriptions or treatments. Three heads are better than one. Also, remember that 77% of the seniors between the ages of 65-70 have at least one chronic illness. Thus, you could really need one or two prescriptions of some kind.

Yet, other prescriptions are questionable. For example, if you have a desirable cholesterol level lower than 200-mg/dL, and your doctor prescribes a statin drug to enhance your cholesterol level, you will need to question that recommendation to find out exactly why you need it for your apparent condition. Will it affect your other bodily systems in some way, good or bad? In another reported situation, a study at a northwestern state university found that some doctors were prescribing powerful anti-psychotic drugs to patients for mild depression, anxiety, and insomnia. These drugs are approved only for serious mental and emotional disorders. Otherwise, the effects from these drugs can be harmful.

Still other adverse medical effects can be somewhat innocent. In one case, a senior started taking two common OTC pills daily to help reduce hip pain. However, these pills thinned that person’s blood, which caused his or her small colon fissures to bleed. After the resulting bleeding showed up in the stool, this senior was much relieved to find out it was not caused by cancer.

4. Learn about your medical condition. If you have a computer available, search the Internet for reliable information about your condition, and how to treat it. If not, try a public or medical library to find out as much about it as you can. This kind of knowledge is defensive power in favor of your continued good health.

5. Keep and carry your own set of records. Carry your basic health history and information with you, in writing. List your chronic conditions, medications, allergies, blood type as well as your doctor’s name and phone number. Also keep a copy of these life-saving records in the open at your residence in case of an emergency, or in case you become unconscious and cannot provide this information verbally. Additionally, if possible, add copies of your laboratory test results to these records. Your life could depend on them.

6. Report suspected abuse or fraud. Medicare fraud costs tax payers multiple millions of dollars, and causes health insurance premiums to rise sharply. Study the suspect fraud carefully, and then report it. Such abuse can be reported to a senior-medicare patrol in your area or state if they exist. These offices or patrols are found at the government agencies on aging. For starters, see the links below for prevention and protection.

1. Avoid Medication Problems — http://longevity.about.com/od/optimizemedicalcare/a/medications.htm

2. Report Medicare Fraud — http://www.medicare.gov/fraudabuse/howtoreport.asp

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

 

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

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

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

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

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

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

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

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

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

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

Senior Citizens and the Job Search by Mort Ferguson

June 4, 2013 by · Leave a Comment
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Although many employers are looking for new graduates or someone younger with a bit of experience, there are still plenty of jobs that you can secure as a senior citizen. Opportunities in the work force abound for older Americans. On the surface it may seem harder to find such roles; however they are available – you just need to know where and how to approach the search.

There is a great potential among older employees. They have more experience, are (generally) easier to work with, and typically more flexible than the person fresh from college who is more likely to have an implanted ideal of what their job should be like. In other countries such as the Netherlands and Australia, younger employees are losing jobs to the more experienced and mature adults; in North America, this is a growing trend as well.

It is illegal, of course, to have someone ask your age when applying for a job, but hiring personnel can tell from application and resume information whether you may have been in the work force for some time. That is why instead of talking strictly about your age, you need to highlight your experience. When putting together your resume, clearly list your accomplishments over the years and all your previous jobs. In your cover letter, focus on why you would be better suited for the job than a young applicant – even if you committed decades at home to raise children – thus helping employers understand the benefits in hiring you over a recent graduate with no real life experience.

If you have been out of work for a while or entering a field in which you have not had that much experience, consider enrolling in a class that can refresh your memory about that market or a class that can update you on new policies. Businesses are constantly changing, and part of entering the work force again means learning contemporary methods of working rather than continuing the way work was done when you were younger.

The Internet has web sites offering opportunities for senior citizens, and shows relevant vacancies in the city in which you work. There are even specific agencies that work solely with senior citizens to make sure you can find a job in which you would be welcome. Some of the fields that value the knowledge of a senior citizen include healthcare, public speakers, and writers. You simply need to determine what you may be interested in doing and then make the move to apply for jobs in your chosen field.

It is not so difficult to land a job when you are 60; you just need to become a bit savvy at learning where to look.

For practical job hunting & career [http://www.job-hunting-careers.com/medical_billing_and_coding_career.shtml] information, please visit [http://www.job-hunting-careers.com], a popular site providing great insights on your search for just the right job or career, ranging from US Post Office to a travel nurse [http://www.job-hunting-careers.com/travel_nurse_employment.shtml] position and many more!

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

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

Thoughtful Gift Ideas for Senior Citizens by Natalie Aranda

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

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

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

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

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

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

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

Even Senior Citizens Can Make Money From Adsense by Christopher Kyalo

May 30, 2013 by · Comments Off on Even Senior Citizens Can Make Money From Adsense by Christopher Kyalo
Filed under: Articles 

For senior citizens the really good news is that one can never be too old to make money from Adsense. And like any other online opportunity Google Adsense’s strict terms and conditions do not include an upper age limit.

In fact senior citizens willing to learn in their old age and also to shrug off things that they may have believed in too closely, in the past, AdSense is the perfect way for them to make money. This is because when a person has reached that age, there are plenty of useful experiences and skills that they have picked up over the years. It should not be too difficult finding what they experiences and skills that a senior citizen can mine to make money from Adsense.

Senior citizens usually love to reminisce over their long lives and past experiences both good and bad and this can be used to make money from Adsense. This is because this is just the sort of ingredients that can go to setting up a fascinating AdSense blog. These are usually the sort of personal experience blogs that have a huge potential of picking up traffic pretty quickly. Everybody knows that high traffic on an AdSense blog is a license to print money.

Nothing should really be a hindrance to senior citizens joining the ranks of those who make serious money from Adsense.

Find out how you can learn more about the best Adsense make money secrets from an expert who makes over $19,000 a month from Adsense. Or grab my ezine on Adsense secrets for free by sending a blank email now to clickaffiliatesecrets-subscribe@yahoogroups.com

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

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

May 30, 2013 by · Leave a Comment
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In Texas and many other parts of the country, senior citizens are being squeezed. They receive, on average, $965 per month in social security. And, while property taxes vary, a senior in many Texas cities with a home valued at $100,000 will pay more than $200 per month in property taxes alone. Add to that the high cost of necessities like health care, prescription medicine, utilities, and mortgage payments, and the financial picture can be very bleak. It’s no wonder that many seniors face foreclosure or tax liens on their homes.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What You Need to Know About Senior Citizens Travel by Mansi Aggarwal

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

Are you drained of sitting at home, doing babysitting of your grandchildren? Have your dreams to explore the world not turned to reality? Are your eyes longing to capture the grandeur of the world around you? If yes, don’t detain yourself from discovering the world. Your age should not be an impediment in living your life to the fullest.

When it comes to traveling, horde of choices are available for the senior citizens too.

From opting a perfect destination that lives up to their tastes to the mode to travel and the place to cuddle, all lie at their discretion.

· The destination

For those who enjoy basking in glory of the sun at the beaches, locations like Hawaii Islands, Bahamas and the like are ideal holiday spots. The connoisseurs of art and architecture can move to the cities like Barcelona, New Orleans etc. that are swarming with the masterpieces of eminent painters and architects. Evergreen places like Switzerland, Germany and so forth are never meant to be overlooked.

· The Decisive Factor

The determination of a destination is directly proportional to factors like budget, mode to transport, the climatic conditions and the food.

Most of the senior citizens prefer and desire to travel according to their pockets. Since the youth bids goodbye at this age, the potential to earn more takes a backseat. The expenditure is by and large made from the savings that mushroom a little. Keeping in mind the state of affairs of senior citizens, numerous travel agencies offer discount packages that can be availed in the peak as well as the off season.

If you propose to make a trip within the periphery of your country, the costs incurred will be significantly minimized. For instance, you can accomplish your destination by traveling via a bus, a rented car or a train. The fare will be relatively low as compared to outlay on air tickets. But bear in mind that money is not prior to life. If the distance is a bit too long and you haven’t got the muscle to sit for long (in a train or bus) take a flight. Your health always precedes your wealth.

A majestic feel of heaven on earth is readily available on the deck of a cruise in a cruise voyage. There are several cruises that can serve you with the best of all amenities, all you have to do is discuss with your travel agent and search online about it.

At this age you should not excuse food as a crucial factor in determining the venue. A little search on the Internet and your travel agent can familiarize you with the cuisine, tastes of people and the luxury plus the budget restaurants at the place you propose to go. Also if you have a petite idea about the cuisine of the place, you can ask the locals the place they throng to gratify their hunger. This definitely will correspond to your pocket.

Try to leave the home when the weather conditions are adverse there and positive and enjoyable. It is always prudent to make an assessment of the climatic conditions beforehand and plan your trip accordingly.

· Some crucial tips

1. The senior citizens and students should be extra vigilant in carrying cash. Avoid moving with lot of cash. Take your credit card along. This safeguards you against uninvited perils.

2. Carry a mobile phone. If that is unaffordable, leave your complete itinerary and all the contact numbers (of the hotel, villa, apartment etc.) with your children.

3. Pack the clothes with your all your essential and even not so significant medicines.

4. Last but not the least, if on the cards get all the reservations done in advance for at this age you should excuse yourself from the last minute anxiety and stress.

Things can be easy in life, all one needs is a little planning and prudence.

Mansi aggarwal writes senior citizens travel topics. Learn more at http://www.seniortravelcentral.com.

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

Marketing, Selling, and Serving the Older Adult, Senior Citizens, Family Caregivers by Barbara Mascio

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

 

Are your clients pleased by the fine quality service that you provide?  Validating your clients’ endorsement of you through Certification as a Senior Approved Service will increase your client base.  Senior Approved Certification leads a family towards a service like yours side stepping the possibility of connecting with a less than desirable service.

If you serve the older adult, the disabled or those with chronic illnesses you may qualify for an independent consumer-driven survey process leading to certification as a Senior Approved Service.

You will not pay for clients, leads or referrals.  You will not violate HIPAA or the Anti-kickback rulings.  You will not pay for membership or advertising space.

Certifications are offered for medical, non-medical, alternative healing practices, housing, elder-law, and financial planners – virtually any type of business that reaches this population.  “We are building the ultimate one-call solution,” states Barbara Mascio, founder.  “Seniors are need of many kinds of service, including lawn care, handyman services and so on.  We save the headache of shopping around and completely remove the guess work.”

Confident business owners recognize the benefits of being part of an exclusive network of Certified Senior Approved Services.  See [http://www.qualityeldercare.com/senior-services.html]

Jean F. Wales, President of Wales Consulting LLC and Author of “Do It Now! An Organizing Handbook for Families and Senior Citizens writes  Becoming a Senior Approved Service instantly raised the credibility of my book “Do It Now! An Organizing Handbook for Families and Senior Citizens.  [http://www.seniorsapprove.com/organizing.html]

Ester Whitney, owner of Sweet Adeline’s Home writes  I feel I have been given a great opportunity to be the first Residential Home Care Provider to be approved by Senior Approved Services in the Dallas Area … everyone has been impressed …  [http://www.sweetadelineshomes.com/]

Tony Latina and Peggy Schmidt, co-owners of Advanced Laser Solutions writes  We have had nothing but positive feedback from the referrals from Senior Approved Services. They have been excellent to work with and we strongly recommend them.   [http://www.seniorsapprove.com/stop_smoking.html]

Paul Stone, owner of Occasional Help for Seniors a general cleaning and handyman service writes  We are so proud to be Certified as a Senior Approved Service. Putting this on our brochures, business cards and other advertisement pieces has clearly, without a doubt, increased our client base. Barbara is right; seniors need services but are afraid or confused about which one to call. [http://www.seniorsapprove.com/occasional-help.html]

See [http://www.qualityeldercare.com/providers] for details.  Mention Savings Code 0630 when you apply for certification.

Barbara Mascio, Founder of Senior Approved Services – a National Network of Products, Resources and Services Endorsed by Seniors

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

The Amazon Kindle Fire Tablet Is Perfect for Senior Citizens on the Go by Amy B Sycamore

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

 

Whether seniors are enjoying time on the golf course, a cruise to the Bahamas, or just visiting the grandkids there are a lot of great new technologies on the market to make their lives easier. The new Amazon tablet known as the Kindle Fire can be ordered right now for $199.00, and ships to consumers November 15, 2011. Users will be able to watch movies, play games, listen to music using a vibrant color touch screen with an extra wide viewing angle. The 199.00 Kindle Fire can be used for web browsing, checking email, and reading books and magazines.

Just think of having all of that computing power in your pocket for only 199.00? Senior citizens can carry only one thin tablet around instead of stacks of heavy books. No more need for a bulky laptop on all of those trips, saving seniors from experiencing shoulder pain. With the easy to use interface seniors only need to touch the screen to surf the web, finally a tablet computer that is easy for the whole family to enjoy. The Amazon tablet weighs in at 14.6 ounces and has a super durable display screen that won’t scratch or break.

Just think of having every Agatha Christie book on one device! The Amazon Kindle Fire has an 8GB internal memory. That is enough for 80 apps, plus 10 movies or 800 songs or 6,000 books. You could have every Humphrey Bogart movie right there to watch on the plane. Many senior citizens are moving onto the Internet as a way to connect and share information with their kids, grandkids, and friends. With the baby boomers retiring soon, there is going to be a huge wave of seniors who have tech skills and the desire to own and operate the latest in technology whether it is a laptop, touch pad, smart phone, or camera. Seniors are moving onto Facebook, using Google, uploading pictures to Picasa and chatting with their friends on Skype or using Google chat. Now, for these seniors who are on the move, they can take all of their entertainment with them, on one small Kindle Fire!

Here are some tips to know if a tablet computer is right for you:

1) If you aren’t using your computer for word processing. Touch screens are not comfortable for typing unless you get an external plug in keyboard.

2) If portability is more important to you than functionality.

3) If you are a new computer user and want something that is easy to use instead of extremely powerful.

If you are interested in buying a new computer and want something cheap but powerful and extremely easy to use, think about the Amazon Kindle Fire. For more information on how to buy a Kindle Fire or for technical help, check your local seniors focused tech help company.

Amy B. Sycamore is a technology specialist who focuses on senior citizens. She works as a computer tech in Naples, Florida helping seniors get on the web.

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

Planning Fun Activities for Senior Citizens by Matthew G Young

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

Many senior citizens do not want to or cannot leave the house. There are many reasons for this, some are physically impaired and have trouble getting around, and others simply don’t leave because they believe that they have nothing to do. Either way, getting out of the house is important sometimes, if only for the sake of the joys that social gatherings bring. Maintaining existing friendships and creating new ones can mean a lot to elderly folks, especially if they have not left the house for a while.

There are many senior citizen friendly activities out there, the trick is to match an activity with an interest that they hold, and therefore will be more accepting of going out of the comfort zone that is their home. Many people enjoy playing cards or board games. This is a much better solution than something like going to a movie will create; when playing games, it is hard not to be social. Movies are not the best choice because, although fun, there is little opportunity for social exchange. Games foster relationships, especially games like canasta or trivial pursuit where you can play on teams.

Another great activity for senior citizens is craft making. A group of people being instructed in how to put together a scrap book or design simple jewelry for the first time promises to be very fruitful. Not only will they learn a fun new skill, but they will inevitably interact with others at nearby at their table.

Going to a zoo or to a museum is another great choice. If there are any disabilities or hindrances to mobility, this can be a frustrating thing, but most public gatherings and places now allow people to rent wheelchairs. This will make getting around a much easier task, even if the people you are with have difficulty walking. Electric wheelchairs are perhaps the best choice since these require minimal effort in using.

Finally, you can always just go to a coffee shop. Social gatherings don’t need to be big group affair; sometimes people feel more comfortable in an intimate setting. Taking a friend out for coffee is a great way to interact on a one on one basis. It’s hard not to have a good time when you are with a close friend or relative. Coffee shops are great public places to go to with a couple friends because of this.

The most important thing about choosing an activity is to make sure that the person you are with has fun. If the senior citizen you are caring for does not have fun, they will not be likely to give social outings a second chance. As a caretaker, it’s your job to care for them physically as well as emotionally. Making activities fun isn’t hard, but you do need to choose the right activity that will match their desires and wishes.

Matthew G. Young is a freelance writer who specializes in financial, sports, and health-related topics. To learn more about in home health care visit Paradise In Home Care

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Senior Citizens – Victims No More by Chris Bruno

May 28, 2013 by · Leave a Comment
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Violent crime against senior citizens used to be unthinkable. It was rare that a street thug would target an elderly person; however criminals of today have a totally different mindset. They prey upon those they perceive to be weak and an easy target and who will offer the least resistance. In the mind of a street thug, seniors fit this category. This alone is why you need to become informed, and do whatever you can to keep yourself from becoming a victim.

Oftentimes senior citizens are led to believe that they have somehow lost the ability to defend themselves against criminals and crime in general. This belief is totally false and in fact there are many quick and easy things seniors can do to defend themselves.

The first thing you should do is find a senior self defense class in your area. Many organizations provide these free of charge. Check with your local police department, YMCA or seniors club in your area. Many community organizations offer these classes free of charge.

Many seniors are opposed to carrying weapons of any kind. This is a thought process that needs to change. Pepper spray or a stun gun are ideal choices and offer a level of protection that will not only boost your confidence but actually allow you to survive an assault by temporarily incapacitating your attacker. Each of these weapons are extremely easy to operate and take just a few minutes to learn.

Because many seniors are so opposed to carrying something such as pepper spray, if you do use it, the attacker will be caught off guard and the element of surprise will buy you the critical time you need to get to a safe location and notify the police. The effects of either weapon are temporary and will not cause permanent injury.

If you are not willing to carry a traditional weapon consider using a cane if you have one. Swing the cane in an “X” pattern, targeting the knees, elbows and other bony parts of the attackers’ body. These strikes will be effective but in very temporary way. They will probably only distract an attacker, so a secondary plan is definitely needed. I would suggest a Personal Alarm. They are a very small discreet device that you can carry in a pocket, purse or on your belt that when activated sound a very loud ear piercing noise which causes your attacker to flee and forget about attacking you. Many alarms are equipped with flashing strobe lights and a few even contain hidden pepper spray giving you the best of both worlds.

Of course, the best way to defend yourself is to not allow yourself to become a victim in the first place. I know this may sound like an obvious statement but simply by adhering to a few easy to follow best practices you can greatly lower your chances of becoming a victim. When you are going out, try and keep jewelry hidden or simply wear it discreetly. Do not carry large amounts of cash. Remain aware of what is going on around you. If you see or even sense something bad, adjust your actions accordingly. Changing the direction you are walking is far easier than recovering from injuries you sustain in an attack.

Senior safety at home is a whole different ballgame but equally as important. Do not keep large sums of money at home. Consider using a debit card and having any monthly payments due you directly deposited into a bank account.

Do not divulge any personal information over the phone or in person. DO NOT withdraw any money from a bank account unless you are absolutely sure you know who you are giving it to. There are a huge number of scams out there and many target seniors. In fact many seniors are scammed out of their life savings simply because they felt sorry for someone or had their emotions preyed upon. If something seems too good to be true, it most definitely is.

When it comes to defending yourself, anyone can improve their abilities. All it takes is the desire to take a stand, educate yourself, and practice some of the techniques mentioned here. With your new found confidence and some practice you will already have done a great deal to lessen your chances of becoming a victim.

Chris Bruno is a retired police officer and contributing author to Safety Products Depot. His certification as a Pepper Spray [http://www.safetyproductsdepot.com/pepper-spray.html] Instructor gives him unique insight into the effectiveness of this defensive weapon. Chris is offering you a 10% discount off any purchase at [http://www.safetyproductsdepot.com] Visit the site now to claim your discount coupon.

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Note To Criminals: Do Not Mess With Senior Citizens That Carry Pepper Spray by Carl Vouer

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

Dear criminals,

We understand your plight, you need money to help fuel your insatiable appetite for drugs and alcohol and because you are morally and ethically bankrupt you would like to attain this money in the easiest and sleaziest way possible; by mugging the decent, hard-working, law-abiding citizens of this country. We also understand that when your depraved, conscious-less mind is choosing an individual to rob you would like an individual that is going to present the least resistance possible while you attempt to relieve them of their money and any valuables that they may have on their person. Senior citizens often fall into this category as they have naturally lost a bit of strength, speed and the general ability to defend themselves in a physical altercation. If we could offer just one bit of advice in this scenario, do NOT mess with a senior citizen that is carrying pepper spray.

See, pepper spray is a highly effective means of self-defense for seniors, women, men, students and just about anyone who doesn’t enjoy handing over their wallets and/or purses to complete low-life strangers like yourself. Pepper spray’s active ingredient is capsaicin, which is a chemical derived from the fruit of plants in the Capsicum genus, including chilis. It is basically just that, a spray made from peppers. Now when we say concentrated, we mean concentrated. The scoville rating system is a measurement used to measure the “hotness” of a pepper. For reference sake, a jalapeno pepper registers about 2,500-8,000 units on this scale, that’s a pretty hot pepper. There is a pepper called the Naga Viper pepper that will absolutely destroy your mouth as it is one of the hottest peppers on earth and this bad boy packs about 855,000 scoville units. Eating one of these Naga Viper peppers raw could put you in a hospital or even worse. So how hot is the average pepper spray? Try about 5 million scoville units. How do you think that will feel in your eyes, nose, throat and lungs after some little old lady sprays you in self-defense? Let’s just say it will have a significantly detrimental effect on the remainder of your day.

It would be in your best interest to steer clear of any senior citizen that may be carrying pepper spray on them. Now I know what you are asking, ‘How do I know which seniors might be carrying a defensive spray in their purse or pocket?’. You don’t. That’s the beauty of pepper spray, it is easily concealable and amazingly easy to carry on your person at all times which makes it ideal for seniors. You also need no special skills or strength to operate a defensive spray device. I guess what we are trying to say is that you should probably not mess with anyone in general as you never know who may be carrying such a spray, as it is going to wind up being you that feels the pain, not them. Maybe it’s time to go back to school and become a doctor.

Yours Truly,

Carl Vouer
Puzek Security Systems

To see more pepper spray for seniors please visit us online at Puzek Security Systems

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Traveling With Senior Citizens by Karissa Price

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

When flying, here are some tips for easier travel:

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

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

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

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Multivitamins For Senior Citizens – Why Some Types Are Better Than Others by Michael Walters

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

The effectiveness of multivitamins is due in large part to the fact that they  are targeted towards specific demographics. There are multivitamins just for the  elderly, for women and even specifically for men. The ones targeted towards  senior citizens in particularly raise questions.

It’s fairly simple – people think about multivitamins targeted at senior  citizens because those things seem like they’re inherently stronger. This is  because senior citizens require just a little more than everyone else.

There are other alternatives that have as much of a health kick as senior  multivitamins. Premium class supplements are just as strong, if not stronger  than senior multivitamins, so it’s an option.

Seniors, naturally, find themselves lacking in nutrition more than the young.  It’s important to keep yourself healthy during the golden years. Your comfort  could be drastically improved if you make sure that you enter those years as  healthily as you can manage.

Don’t get fooled by the name – there’s more to multivitamins than you’d  think. There are special ingredients that include resveratol as well as herbal  extracts that are unique to specific multivitamins that you should consider when  picking your multivitamin.

It can get confusing, but luckily the internet is here to help you out. I’ve  researched these things myself for the better part of the decade and believe me,  there’s enough information out there to help you become educated just like  me.

Your health is reliant on what things you give your body. Give it the  nutrition it deserves and it will treat you right. Scientists and doctors can’t  be wrong about it.

So many lives are lost because people don’t take care of themselves. Make  sure to buy the best multivitamins that you can find to make sure that you don’t  become just another statistic. Be a survivor and take the vitamins that you  need.

Read more of this author’s work on electronic topics like cheap computer speakers and computer speaker cable.

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

Medicare Part D & Senior Citizens by Rick Martino

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

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

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

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

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

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

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

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

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

 

Senior Citizens May Find Time is Running Out by Irene Mori

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

For senior citizens, sometimes it feels like time is running out. The oldest  of the baby boomers entered the realms of becoming seniors several years ago.  This large group of the population has been influencing markets for years and  still do so. Now as they enter the twilight years, they must come to realize  that their youthfulness has been spent and there may not be that many more  spring times left. Health and wellness is still an issue.

Many seniors have already commenced vigorous pursuit of the completion of  their “bucket list” which includes the experiences they want to have before they  leave this earthly existence. It’s time for this segment of people to be  concerned with themselves and to do the things they enjoy while they still can  do them.

If and when good health and a stable mental capacity leave a person, it then  becomes too late to pursue the interests which may be there now. Senior citizens  are able to have active, busy lives full of productivity and enjoyment.

Because money is not plentiful for a number of seniors, many are working  menial jobs at stores or fast food outlets. The reasons for doing so may be  varied such as for extra income necessary to make ends meet or to simply have a  place to go and enjoy the company of other people. Many are searching for home  based businesses as a means of supplementing their social security or other  meager retirement income.

Although there are thousands of wealthy senior citizens, there are  undoubtedly many more who struggle in their daily lives. They find it difficult  to pay for necessities like shelter, food, and medications. Some seniors find  life has little meaning, but it does not have to be that way. Keeping one’s mind  and body active helps a person feel better and act younger.

Dorothy Dale Kloss is an example of someone who is young at heart and young  in actions although at age 85, she is the oldest showgirl in the Universe  according to the Guinness Book of World Records. Dorothy decided she needed  something to do fourteen years ago so she auditioned with the Fabulous Palm  Springs Follies. She got the job and now dances at about nine performances each  week. She has been dancing since she was five years old and obviously loves to  dance. Upon seeing and meeting her, there is no way that anyone would guess that  she is 85.

Although time may be running out, seniors can still find ways of being  productive, engaged citizens who can still enjoy life to the fullest.

Irene Mori lives near the Nation’s capital where she is able to regularly  experience the happenings of the government. She is involved with home based  business and network marketing. For information on an affordable money making  opportunity with a company which provides discount savings on everyday purchases  and cash back for online shopping along the chance to make some extra income,  visit http://www.moremlmsuccess.com.

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

Computing For Senior Citizens by Mike Stancik

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

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]

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Internet Safety For Senior Citizens by James Kirkwood

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

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

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

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

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

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

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

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

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

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.

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Senior Citizen Assisted Living Facilities by David Crumrine

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

 

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.

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Memory Strategies For Senior Citizens – What Technology Today Tells Us! by Carson Hill

May 15, 2013 by · Leave a Comment
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Memory loss, lack of brain clarity, or fear of memory loss is something  experienced by just about every aging adult or senior citizen today!

Facing these obstacle personally can cause a lot of panic, anxiety and  frustration.

Most aging adults think they are losing their ability to focus and remember  because their brain is just simply getting old but this is not totally the case!  In fact, contrary to popular belief, most of the beginning stages of brain fuzz  symptoms and memory loss issues have more to do with a lack of use than a lack  of youth!

As adults and seniors age, the demand to rely on their brain occurs less  frequently. When their brain is not challenged it does not expand and grow;  therefore their memory and ability to focus is not sharp! Their memories and  focus becomes dull.

The good news is that technology today strongly indicates that we can have a  dramatic effect on the capability of our brain as a result of how we treat  it!

Brain exercise and utilization of proper brain techniques can sharpen the  brain and even make it strong again! Regardless of age, proper brain function  techniques can literally re-grow the brain. Most people don’t realize that with  use, the brain does grow!

The brain is malleable. It’s almost like a piece of plastic that can be  shaped!

With proper stimulation and healthy activity, the brain creates neuron  connections. These connections can be compared to a tree that is growing more  branches.

With this knowledge, we can treat our brains like we would a muscle. As we  age, we can learn to keep our minds properly stimulated using specific  techniques. With proper brain stimulation, senior citizens can are in far more  control than has been thought possible. They can notice drastic effects and  exciting changes in their memory, focus and clarity both long term and short  term!

Now you have an understanding that you are directly impacting your mind  through the way you treat it. I’ve told you that your brain is malleable. I’ve  told you that it grows with use! I’ve also told you that your short term memory  and long term memory can be greatly affected by proper brain stimulation.

I’ve been studying the brain for the last five years. I am fascinated by the  brain and grateful to know that we have so many excellent options and resources  to benefit us in this day and age.

If you or someone you know personally has interest in improving their brain  function in their aging years, I would recommend they visit http://www.regrowmybrain.info. There you’ll find excellent  information with a fantastic program tailored specifically for senior citizens  and aging adults. This is the only brain fitness program I’ve found that tailors  to the older generations exclusively!  The material includes some bonus  information that has to do with Alzheimer’s understanding and coping. These are  great resources to have whether your are faced with that condition or not.

Also visit http://www.squidoo.com/memory-strategies-for-senior-citizens for a better summary of what I just discussed with visuals.

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

Government Grants For Senior Citizens – Specific Grants Set Up For the Elderly by Matthew Salvinger

May 15, 2013 by · Leave a Comment
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The government has grants set up to help every group of people in the  country, including senior citizens. In some cases these grants may be approved  to the senior citizens themselves, but the grants can also be awarded to people  who assist the citizens on a regular basis. Whether it’s medical research for  the elderly or increasing the safety of old folks homes there are grants that  will provide funding to those who need it.

Government grants for senior citizens will often go to organizations that  work with the elderly and charities that support senior citizen groups. These  organizations can be businesses or volunteer groups, as long as they work with  the elderly in some capacity. The grants can be used for special classes for  people over 65, providing cheaper medical services for the elderly, keeping  volunteer groups that run errands for disabled older adults funded, and just  about anything else an organization can think of to help the elderly  community.

Various websites have provided lists of where to find these government  grants. They have information on what government organization is funding the  grant, when the deadline for the grant application is, what the grant is  intended for, and how to apply for those specific grants. Anyone can apply for  government grants for senior citizens as long as they qualify for the grant. It  tends to be easier for individuals to go through organizations if they are  seeking grant money although individuals are permitted to apply also. Certain  grants for the elderly such as education grants and housing grants are simple to  get without the assistance of an agency. More information on who can apply for  these grants is available through government websites and some local government  agencies.

The US Government and private foundations award MILLIONS IN GRANTS to people just like you who are in need of  financial help. The best part is, most grants come with absolutely NO INTEREST!  Get More  Details

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

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

 

Mobile Carwash; Senior Citizens and Mobile Homes by Lance Winslow

May 14, 2013 by · Leave a Comment
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Senior citizens are generally not a large marketing segment for mobile  detailers or car washers, however, they should not be ignored.  You will find in  a near by area a seniors-only mobile home park.  You will also find square dance  clubs and senior centers.  All of these places can be extremely good places to  look for new business.  If you want to accelerate word of mouth advertising, you  should meet with people in these groups.  Wash cars at senior centers while they  play cards.  Hand out flyers, etc.

In mobile home parks you should hand out flyers and put flyers on bulletin  boards in the recreation rooms.  If you wash one mobile home in a mobile home  park, the word of mouth will spread the news of your service like wildfire.   Next thing you know, you’ll be washing every mobile home in the place.   Sometimes a simple visit to the park’s manager who usually lives on-site is  enough to get the ball rolling.

Many senior citizens belong to groups like: veteran’s groups, AARP, Masonic  Lodges, temples, churches, senior volunteer programs, Shriners Clubs, garden  clubs, sewing clubs, antique auto clubs, Audubon Society, arts councils and  various political groups. Many of the more affluent seniors play golf and many  of the local courses have senior discount days where you can meet the senior  crowd.  They are usually members of well-known local clubs and organizations;  great for word of mouth networking.  Many times they will have their cars washed  while golfing.  Usually most municipal or older golf courses have senior day  discounts once per week.  Some seniors simply use the driving range during  senior day.  This is good as it provides good turn over in the parking lot.   Every hour new golfers come to hit balls.

Square dances are very popular amongst the older crowd.  A city with a  population of over 50,000 could have as many as four to five groups.  Each group  may have a membership of fifteen to one hundred people.

Any city or community worth its salt has a senior center.  It is imperative  to develop a good working relationship with the program director.  She (usually  a she) is in contact with all senior groups, activities, field trips and such.   Senior centers usually have racks of pamphlets near their entrance with  interesting information, schedules of upcoming events and lists of names, phone  numbers and addresses of the board of directors of various non-profit  organizations throughout the area.  You will be amazed at the incredible network  seniors have and how fast word of mouth information spreads.  Many seniors are  involved in more than one group or activity.  You may be at a bridge club  meeting washing cars one day and the next day you will get called by the  instructor at the square dance club.  Then the following day you wash cars for a  political action committee while volunteers stuff envelopes.  This can go on day  after day.  You can significantly speed up the word of mouth advertising with  this segment by showing up at various senior centers.

You must also remember that negative word of mouth topics permeate from these  groups too.  Don’t let this happen to you.  Spend an extra minute or two with  each senior customer.  Ask them if they wouldn’t mind giving two or three flyers  to their very best friends.  Usually they will.  Get to know each senior  customers by name; you’ll be glad you did.  Name dropping amongst seniors is  great, a they value relationships with friends with much higher regard than the  younger crowd does.  They will try to help you by offering advise about how you  might attain more business and places you might go to.  Acknowledge these  tidbits even if you think they are ridiculous.  It is sometimes the ridiculous  things that bring you to a new idea.  Even if you don’t want any new business,  listen anyway. Many of the greatest ideas we ever go to help our company  innovate came from talking with seniors with a slightly different perspective  than today’s rat race.

Accept all tips from seniors even if you think they can’t afford it.  This is  one of the greatest compliments they can give you.  It means they accept you.   This is not an easy thing for a senior to do, especially since younger  generations constantly fail to even acknowledge their existence and fail to meet  their work ethic expectations.  The gap has been widened before you got there  and it is your job to close the gap.  By uniting the seniors and your company  and uniting the kids of the multitude of fundraising groups you help, you can  unite the entire community.  You can be something everyone can talk about.   Grandparents and grandkids can all talk about your company.

Too get information on car wash fundraisers, search Google; “car wash  fundraisers”

“Lance Winslow” – Online Think  Tank forum board. If you have innovative thoughts and unique perspectives,  come think with Lance; www.WorldThinkTank.net/. Lance is an online writer in  retirement.

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Health Insurance for Senior Citizens – Why Do You Need It? by KV Gopalakrishnan

May 14, 2013 by · Leave a Comment
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When you are more than fifty years of age, it is natural that your  requirements for medical assistance increases. Periodical visits to Medical  centers become important now for safeguarding you from health problems and also  for making it possible for you to recoup should you fall ill. Until now, you had  been keeping mostly healthy and your own medical requirements have either been  paid by your company or organization or effortlessly been managed with your  earnings and savings.

Now that you are contemplating to retire and enjoy life, this is the time to  consider choosing a health insurance policy for senior citizens to take care of  your (and your spouse’s) health-related expenditures. Here are some more points  to consider:

  • Hospital Expenses tend to be skyrocketing these days particularly since most  of us have the tendency to choose treatment in branded Private Hospitals. This  can create a dent on your retirement savings in the event you do not have  medical insurance for senior citizens.
  • For anyone who is preparing to retire and survive on pension or interest  earnings from savings, a medical emergency can lead to a monetary crisis. To  steer clear of this, it is advisable to consider a comprehensive policy of  health insurance.
  • The medical coverage, which you had in the course of your career, generally  ceases when you retire. Suitable Medical insurance can replace this insurance  cover.
  • It may not be a good idea to count on your children to avail their  employee/group insurance for you as this insurance cover would also cease when  they happen to change occupation.
  • Pre existing ailments are excluded from health related insurance for senior  citizens for a period of two to four years in most instances. If you join early,  you can avail the policy even for treatment of existing illness (after the  stipulated period), before the illness develop into a serious one.
  • If you are confused as a result of the countless choices available in the  field of insurance available to senior citizens, do not hesitate to seek  guidance of an independent insurance adviser.
  • In normal instances, for availing insurance, medical checkups are essential  for anyone above 45. In case you are reluctant to undergo such tests, you will  even be able to find policies, which are provided without these tests.  Nevertheless, it is best to declare your pre-existing illnesses truthfully, to  steer clear of rejection of your future claims.
  • Please be aware that recently Government of India has issued some  stipulations (July 1, 2009) which makes it mandatory for all health insurance  companies to refund 50% of the expenses made by you on medical tests related to  the policy, in case they accept your policy.
  • Government of India has also issued guidelines that every health insurance  company has to offer insurance coverage for individuals up to 65 years of age.  There is also a provision for shifting insurers if you are not satisfied with  the current provider.

 

Please keep it in mind that there is a great deal of differences in terms and  conditions in the policies of health insurance for senior citizens provided by  various companies. You will even find companies which even offer “No age  restriction for enrollment” and “assured renewal for life”. Take your time to  choose a suitable health insurance policy which meets your personal needs.

Wish you a happy, healthy and enjoyable time after 50.

KV Gopalakrishnan Senior Citizens Consultant

http://enjoyafter50.com/

Visit this website for tips and tricks to make your retirement life happy and  enjoyable.

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Advocacy for Senior Citizens: Getting Your Loved One the Best Care Available by Matthew G Young

May 14, 2013 by · Leave a Comment
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A senior care consultant can play a very helpful role in your loved one’s  care. There is no set requirement for the professional background of a senior  care consultant; they can be nurses, doctors, or even experienced caregivers.  The main thing that this profession needs is a good idea of all the options  available to a senior citizen in need. Senior care consultants are advisers to  families with a loved one that needs help. They handle all sorts of issues that  might arise. In short, a senior care consultant is a catch-all position for  keeping senior citizens happy and healthy.

Consultants don’t help just senior citizens. They are there for the support  of families and caregivers as well. A senior care consultant, then, needs to be  very well versed in the issues that affect all of these folks. Families often  have many needs, some of which they might not even know about. A consultant can  help you address any problems that might occur, even the ones that you are not  anticipating.

Why should you go with a senior care consultant? There are many reasons, but  the most important of these is that they will act as an advocate for your loved  one and your family. These people have your best interests in heart, and they  will find the very best options for your family. Rather than settling for any  old service, you will have the very best options arranged easily for you and  your family’s needs. As an advocate, the senior care consultant will make sure  that the care they receive is top notch. For example, if you cannot decide which  in home care provider to go with, the senior care consultant will have had  experience dealing with the providers in your area and will have a good idea of  which provider is best for your family’s situation. There are many good in home  care providers; a consultant can help you find not only a good one, but the best  one.

There are also other types of things that a senior care consultant can take  care of. Nutrition is another big area of concern. Having a proper diet is  crucial for maintaining proper health and weight. People tend to lose weight  when they get older because they are not getting the proper nutrients in their  diet. A consultant can have connections or the know how to provide the proper  amounts of nutrients to your loved one’s diet. Age related weight loss can  result in illness or weakened bones; this makes everything that is put into our  bodies extremely important. A good consultant will know exactly which foods and  vitamins will help your loved one out in the most effective manner.

Matthew G. Young is a freelance writer who specializes in financial, sports,  and health-related topics. To learn more about in home health care visit Paradise In Home  Care

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

Keeping Senior Citizens Active by Matthew G Young

May 14, 2013 by · Leave a Comment
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Just like anyone else, senior citizens like to stay active. Having a list of activities for your elderly relatives to do will keep them active and alert. Both mental and physical stimulation are proven to be healthy for senior citizens, it’s only a matter of finding the activities that they enjoy the most. This goes for any activity; make sure they are happy with the choice they have made. It’s never too late to switch activities if they become frustrated or unhappy.

Crafts, puzzles, and board games are a good place to start. Crafts especially allow for mental exercise and abstract thinking and they will have created something-with or without your help-that they can be proud of. Whether it is a painting, a drawing, a collage, or something more difficult like a sculpture, both they and their families will love the final product. What’s more, art can be therapeutic, especially for folks with Alzheimer’s.

Cooking is another activity with a great final product. Who doesn’t love eating freshly baked bread, or home-made candies? With a little encouragement, the senior citizen under your care can even go on to having meals ready for their family when they get home. The important thing here is that they are keeping active and stimulating their brain cells. This is a great way to preserve memory in older folks.

Physical exercise requires a bit of caution. While it is true that a daily jog can help with mood and memory, this is not really an option for most senior citizens. Finding alternative ways to exercise can be a great way to keep them feeling and thinking young. Start with their interests. If the person you care for is a fan of watching professional bowling on television, take them to the local bowling alley. Make sure that they use the lighter balls at first, though, as this will reduce the risk of injury. Start small and then see how things go. You want to make sure that the person under your care is enjoying themselves while they get their exercise. Otherwise, they will begin to dread your visits-this will only hinder the progress you hope to make.

Finally, you can consider storytelling. Everyone has a great life story to tell, especially senior citizens. Whether they want a written record of their lives to preserve for future generations, or just want to tell you some stories from their childhood, this activity is a great stimulator as it requires folks under your care to search their brains for memories. If they can’t remember actual events from their lives, fiction is okay too. Every day you can together come up with a short, interesting, story. Whether you want to write it down or not is up to you and those under your care. Either way, telling a story requires brain activity that might otherwise go unaccounted for.

Visit Paradise In Home Care to get more information.

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

Gifts for Senior Citizens by David Stillwagon

May 13, 2013 by · Leave a Comment
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Whether it is at Christmas time or a birthday coming up buying gifts for some  people seems to take up time and a lot of pondering. Do you want to buy  something practical that they can use all the time or maybe surprise them with  something unique, much of the decision depends on the person that you are buying  for. One group of folks that tend to be difficult to buy for is senior citizens.  Gifts for senior citizens shouldn’t be any harder to find than for any other age  group. The perception is that since they are older they are pickier about what  they will like, which really isn’t the case. Another misconception is at their  age they probably have received just about every gift that you can think of,  which is also incorrect.

One of the best and easiest gift choices is books. Although you may think  that not everyone is a reader you would be surprised especially if you find a  subject that is interesting to the person you are buying it for with the World  Wide Web buying books like everything else is pretty easy. Not only can you  order the books from your home you can also send them directly to the gift  recipient. But take your time looking there are a million books out there; try  to find one that would be interesting the whole way through.

Is gardening an interest of the person you are getting the gift for. Although  gardening can only be done during the growing season it is great for older folks  because they get to stay active and they are outside. Tool sets or possibly a  garden caddy that makes it easier to cultivate the ground are great choices. It  is probably best to let them buy the plants, you never really know what kind of  flowers or vegetable they want in their gardens.

As we get older we help with certain things like keeping our balance,  remembering to take medication or remembering doctor’s appointments. There are  many products out there specifically for the elderly or senior citizens. Of  course you have to be careful getting something like this for some folks because  they may not feel that they need these things. But then again practical gifts  are always good especially if they can be put to use.

Funny or gag gifts are great ways to lift the spirit and bring on a good  laugh. There are many places on the internet that you can find such gifts, but  just remember to think about the person that you are giving it too. Are they  sensitive or can they take a joke?

If you take some time and a little effort buying gifts for senior citizens  isn’t that difficult at all.

David Stillwagon blogs about health and age issues like Gifts for Senior Adults

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Planning Senior Citizens Trips – The Benefits of Bus Tours by Bronwyn White

May 13, 2013 by · Leave a Comment
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Are you retired, or planning to retire? Would you like to see the world  without the hassle of preparing for a vacation?. Planning your future senior  citizens trips can be hassle free if you decide to consider bus tours Read on to  see how much easier it is to join a bus tour instead of planning your vacation  from scratch.

The Problem With Vacations

The main problem with vacations is the preparation you have to do beforehand.  All that effort put into booking flights, finding hotels, creating an itinerary,  finding travel insurance providers, etc. can really take its toll, which is  ironic when you remember you’re a senior trying to relax!

That’s why bus tours and group tours for seniors are gaining popularity as a  hassle-free alternative to the traditional way of vacationing, particularly  those planning their senior citizens trips in retirement or semi-retirement. All  you need to do is find the tour package that suits your expectations, pay the  price, and then follow the travel agency’s instructions!

The Advantages Of Bus Tours

The main advantage of bus tours is the fact that it’s stress-free and  hassle-free on your part — the travel agencies have done all the work for you!  All you have to do is to choose the package, pay up, be there in time for the  bus, and then start taking photos!

Another advantage of bus tours is the cost. When you plan a vacation the  traditional way, almost every move costs money. When you book your flights —  money. When you make hotel reservations — money. When you take cabs to the six  tourist spots you plan to see today — money!

But when it comes to bus tours, you pay a single fee for the whole package,  which can last several days. What’s more, seniors bus tours often come at a  discount, making the whole vacation even more affordable and enjoyable for you!  Just sign the dotted line, and off you go.

How To Prepare For A Bus Tour

The first step in preparing for a bus tour vacation is choosing your  destination. What part of the world would you want to see? What town or country  has been on your “must-visit” list for the past few decades? Now’s the time to  take your pick without having to think about work when you get back!

Next, find suitable travel agencies that have tour packages in your chosen  destination(s). Choose the travel agency with the package that fits your budget  and schedule perfectly. You can also check if the travel agency offers travel  insurance — very important if you REALLY want to enjoy yourself!

And finally, start packing! Bus tour packages can last several days, so make  sure to pack enough clothes, medicine, and toiletries for the entire trip. Take  a backpack if your back is strong enough, but if you don’t mind having only one  free hand most of the time, take a lighter travel case on wheels.

Don’t Believe The Bad Hype!

Most younger vacationers dismiss bus tours as “boring” and “predictable,” but  they don’t enjoy the sophistication that only age can bring. As seniors, we tend  to enjoy a more relaxed, more cultured pace. So leave the stress to the young  ones and take that vacation you’ve been waiting for all these years!

Bronwyn White has over 20 years experience in the travel industry. She has  gained her experience as a travel agent, with airlines, government tourism  boards and as a professional travel researcher (yes there is such a dream job).  She consults on a regular basis to the travel industry and is often quoted in  the press. Bronwyn has specialized in senior citizen clientele – both as a  travel agent and as a travel researcher. For tons of free travel advice, just  for seniors, visit www.seniorstraveltips.com  [http://www.seniorstraveltips.com/seniors-bus-tours/]

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

Quality Personal Security Devices for Senior Citizens by Dharmendar Kumar

May 13, 2013 by · Leave a Comment
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Some of the sectors of human society are largely vulnerable to criminal  atrocities. Besides women and children, the two most vulnerable groups, there is  another that is slowly but steadily coming to the forefront. It is the senior  citizens.

Security Aspects for Senior Citizens

Even the best of athletes and strong men grow weaker and vulnerable with the  advancements in age. It is the inevitable law of nature and no one is going to  escape the eventualities. That is why security becomes a concern for such people  as they advance in ages and become less and less capable of taking own care  without some external support.

Easy Prey for Hoodlums

In fact, senior citizens in United States as well as across the world have  been easy prey for the hoodlums and anti socials. Often due to their physical  frailty they become prime targets for such unscrupulous people. This is one  phase of life where gender variations make little difference. Even if the old  men usually hold canes, but that they can hardly use for any self  protections.

Old and Vulnerable Need Not Stand as Victims

Good news for the senior citizens is that it is no more required for them to  remain passive victims and they can become active self protectors using the  gifts of modern science. Such gifts are personal security devices.

Some Popular Personal Security Devices

Some of the popular personal security devices that can be effectively used by  senior citizens are –

• Pepper spray, that is easy to use and can be held with a key chain or  concealed inside the shirt or coat pockets. In fact, it can be stored in any  place that the user considers handy. When sprayed on the assailant’s face it  will result in swelling of his eyes and the effect will last for 45 minutes  almost blinding him.

• However, in some states, pepper spray is prohibited under the law.  Hence any senior citizen should remain conversant with the local laws before  using one.

• Also popular among women is the stun guns that will have a stunning  effect on the attacker and he will not be able to get out of the impact for the  next three quarters of an hour.

• Teasers and security alarms are also used by the elderly people quite  extensively.

SelfDefenseExpress.com not only provides excellent personal security devices  like stun guns [http://www.selfdefenseexpress.com/] and various others but also  provides some of the best surveillance  [http://www.selfdefenseexpress.com/surveillance-cameras/] devices including  cameras and sensors.

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

Senior Citizen Travel Insurance – Baby Boomer Travelers Need This Protection by Susan Elizabeth

May 13, 2013 by · Leave a Comment
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One of the favorite activities of senior citizens and baby boomers is  traveling. There are large numbers of travel agencies and tour groups that  specialize in providing travel adventures to seniors. And one of the things that  is most important when you are a boomer and you are out traveling around the  country or the world is senior citizen travel insurance.

This kind of insurance helps you if you need medical help when you are on  your trip. In particular if you are overseas, the doctors and the hospitals may  not want to treat you unless you can guarantee that they are going to receive  payment. And sometimes, you just don’t have the amount on your credit card to  afford the treatment you really need.

Just to make it clear, getting senior travel health insurance is a very  important thing to do before you leave n your trip.

Here are a couple of tips when you are asking insurance agents either online  or offline about senor travel insurance.

You want to be sure what age they are calling seniors. It doesn’t help much  if you are 64 and the cutoff age is 65. You are not going to be able to take  advantage of that insurance e coverage no matter what. So it is very important  to get that right out in the open right away. You will probably be able to get  some kind of health coverage from that particular agency but it might not be  senior citizen coverage.

Another point to consider is mode of transportation on your trip. There are  some health insurance policies that have exclusion provisions for particular  modes of travel. Not so much airplanes or cruise liners but odd kinds of things  like mule trains and bicycles. You want to be sure that however you are going to  be traveling on your trip that you get insurance that is going to cover you for  that form of transportation.

None of these things are deal breakers as far as getting travel insurance  goes. You just want to be sure that you have your bases covered before you set  off on your adventure. Oftentimes, the best deals with the best insurance agents  and companies are found on the senior websites. They can offer you excellent  group packages on discount insurance because their membership is so big.

And even though you really need senior citizen travel insurance to cover your  health while you are on your trip, it doesn’t mean you can’t take advantage of  any discount you can find. And that is one thing that the internet is really  good at finding for you – discounts.

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

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

Medicare Supplemental Insurance Plans for Senior Citizens by Brant Reed

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

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

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

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

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

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

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

 

Health Insurance – Boon For Senior Citizens by Mike James Soni

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

Water, Water everywhere but not a drop to drink! That was how Senior Citizens  felt some years ago when the Health Insurance companies were selective to cater  to them. With better medical conditions, people are able to live longer and  healthier. However, age does bring some health related issues that needs to be  taken care of.

There was a time when people after 50 years of age were generally not  considered Insurable or were considered high risk. So, if anyone wanted to get  health Insurance, the policy was either denied or was issued with various  exclusions on Pre-existing diseases.

With the emergence of various Insurance companies, the Insurance segment for  Senior citizens has also opened up. It is a boon for them to be able to plan and  take their health in their own hands. The Insurance companies have started  considering senior citizens as a potential market and address their need for a  Health Insurance product. Insurance Regulatory and Development Authority (IRDA)  has also taken various steps to boost the inclusion of senior citizens in the  health insurance sector.

There are some health insurers which cover the senior citizens with no cap on  the entry age, though IRDA’s directive is to keep at least 65 years as the  maximum entry age.

The Health Insurance segment is at nascent stage and hence arbitrary at  present/dichotomous in nature. Every individual has to undergo medical tests so  as to be considered for health insurance. The reimbursement for the medical  tests varies from insurer to insurer. Now, all insurers would reimburse 50% of  the cost of the tests if they issue a health policy to the customer. However,  there still are some companies in the market that cover a senior citizen without  medical tests up to a certain age and covers pre-existing ailments from first  year itself.

The Insurance companies would have to include all these clauses in the offer  document and explain to the customer what it means to them. With IRDA bringing  more transparency, consistency and accountability in the sector, the customers  would have more options to choose from and a better product to meet their  needs.

To know more about Health, Healthy living, Insurance, Health Insurance  products of Max Bupa “Heartbeat” please click the link below.

http://www.maxbupa.com

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

 

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