Warning: trim() expects parameter 1 to be string, array given in /home/nvsenior/public_html/wp-content/plugins/custom-post-order-category/wp-customcategorypostorder.php on line 492 time | Nevada Senior Guide
July 4, 2016 by Leigh St John · Comments Off on The Facts When Should One Begin an Anti Aging Routine To Keep Good Looking In Your Older Age Filed under: General
The beginning stages of aging are very important because prevention is really a much better method for coping with aging skin than treating the skin when the signs of aging have already appeared. The fact is that, all of us are without exception are subject to aging. And skin at different stages of aging need different attention that providing age-specific anti-aging care. However, most people have the wrong impression that we should deal with our skin about anti aging when we reaches older! The question now is when shall we begin our routine to counteract the earliest stages of aging skin? The answer is as earlier as in your mid 20s!
Aging begin as soon as adulthood is reached. Physically, early (20 to 39 years old) and middle adulthood (40 to 59 years old) are marked by slow, gradual declines in body functioning, which accelerate as late adulthood (60 and above of age) is reached. The mass of muscle will continue to boost through till mid 20s, thereafter gradually decreasing. Each stage experiences its own specific type of breakdown of protein and collagen and other building blocks that keep your skin looking youthful and glowing.
During the early adulthood, the production of collagen start slowing down and the regeneration of new cells diminishes slightly. Inside your skin along with other parts of your bodies, cells are constantly dying and rejuvenating and the new cells are pristine and strong and it shows on your faces. This process is part of youth and aging, once you reach mid 20s, the process of generation slows down. This is hardly noticeable on the outside of the skin but this is when aging actually begin to happen.
In the middle adulthood, aging starts happening under your skin from the ages of 40. But it can be started as earlier as from 35 depends on how you taking care of your skin, practices healthy diet and lifestyle. During this stage, you will begin to show fine lines around your eyes and outside the mouth area. The color of the skin becomes more pale or dull and loses its youthful glow. Then you begin to lose collagen and amino acids which natural bonding substance in your body that keep your skin plump and puffy. This is the stage where wrinkles start to take underlying on your face.
As in the late adulthood, the human growth hormone is depleted and aging starts to speed up. If you have not used repairing products like anti aging serum, then all of the damaging activities occurring beneath your skin continues but they will accelerate and the consequences will probably be a lot worse than one who used good skin care products, implemented healthy diet and lifestyle routine. Without the aid of good anti aging wrinkle products that help to prevent, restore, protect and rejuvenate, your wrinkles will go deeper and age spots will show up. The building blocks beneath your skin have broken down so you start experience an intense loss of plumpness and resilience.
Therefore, in early stage of adulthood especially you reach mid 20s, a good skin care product series, avoid too much sun light exposure, keep your body hydrated plus eat antioxidants rich foods would definitely make you look much younger and glow in your older age. The start of uses a good anti aging serum that with ingredients such as antioxidants, Alpha Hydroxy Acids (AHAs) and retinols in addition to your moisturizer cream is highly recommended when reaches your middle adulthood to keep your skin restore and rejuvenate. When come to late adulthood, series of high quality anti aging products that include serum, face cream and eye cream is surely as much needed at this time. But it never too late to improve the look of your skin no matter what age you in!
Keng Chan is an anti aging practitioner with more than 10 years of experiences. Frequently research of information, finding interesting tips and solutions for anti aging which helped him look more than 10 years younger than his age! He surprised all of the new friends he met!
June 6, 2016 by Leigh St John · Comments Off on The Aging Process: Can It Be Reversed? Filed under: General
With regard to fitness, for many years, I have been outspoken about my support of sports and strength training as good alternatives to redundant exercises like treadmill workouts. Steve Holman, editor-in-chief of Iron Man Magazine, has taken that idea to the extreme with a new body shaping program designed to slow down and even reverse the aging process. But he’s not the only one interested in the concept of aging.
You may also be familiar with the Real Age Program, or with one of its founders, Dr. Mehmet Oz. Real Age asserts that your actual age is often not in synch with the biological condition of your body. Based on your level of conditioning and diet and other factors, your body may be aging at an accelerated rate. Real Age calculates your age based on your body’s condition and compares it your chronological age. The goal is to improve the body so its actual “real age” is at or below one’s biological age. To me, that is the basis for Holman’s approach: return the body to the youthful condition that it was in before declining fitness and other factors accelerated the aging process.
According to Steve Holman, after we reach the age of 40, our bodies start aging at a faster rate than they had to that point. Studies have shown that without the proper nutrients and exercise, our bodies are aging about 6 months extra for every year that passes! So, let’s say you’re 40. By the time you reach 50, you will look and feel 55. By the time you reach 60, you will look and feel 70 years old! I don’t know about you but that kind of aging does not appeal to me a whole lot.
Did you ever notice that the folks who stay the most physically active seem to be aging more slowly than others who don’t? In my mind, I picture a 63-year old woman gardening while her 65-year-old husband is chopping wood nearby and they both look like they’re in their 50s. Hmm… maybe that was a scene from a 1940s movie but I think it makes the point. They kept active with muscle taxing activities and no doubt felt and looked younger because of it. Steve Holman says that 90% of people over the age of 35 lose enough muscle every year to burn off an additional 4 pounds of body fat. The aging process really starts to catch up with us at that point. Muscle gives shape and strength to our bodies. As we know, when you lose muscle mass, you gain fat, even if the calories you take in stay the same. We don’t feel or look as good. Then we get depressed because we don’t feel and look as good. Then we give up on retaining our youth and it’s all downhill from there. Wow. That was depressing, huh?
Fear not! That doesn’t have to happen.
Both the folks at Real Age and Steve Holman insist that all of this accelerated aging is reversible. According to them, there are specific ways to move and eat that will slow down the rapid aging process to the point where you’re aging less than a year for every year. That means we can look younger in a few years than we do now? Now that is an aging plan we could get behind, right?
Not so fast. Are there drugs, supplements or expensive supplies to buy? No. Just food choices and targeted short-duration exercises are involved. Steve Holman says his years as a fitness magazine editor have allowed him to pick up tips, tricks and strategies from anti-aging experts over the years. And they don’t involve cycling classes or elliptical machines.
According to Steve, to get started, there are 5 rules one must absolutely follow if he or she wants to “slow the aging process, reclaim your health and achieve your ideal body”:
Forget low-fat diets. They lead to sugar addiction and we all know what that causes – fat storage!
Work out less. Resistance training done the right way burns fat and is a great cardiovascular workout, as well. Sports that tax muscles over the entire body can be effective, as well.
Drink water. Water renews your skin, helps burn fat, suppresses hunger and allows your kidneys to operate under less strain which allows your liver to burn fat like it’s supposed to.
Stop endless cardio workouts. Cardiovascular conditioning can be gained with far less time and effort. New studies are showing that long-duration exercise accelerate the aging process by increasing free radicals. These free radicals are scavengers that prey on your body’s essential nutrients and tissues.
Don’t blame your age for all your fitness issues. Studies have shown that men and women of every age, even those in their 90s, were able to gain muscle tone in just a matter of weeks of simple weight training.
Well, those are good guidelines to use to begin combating the aging process. There’s an old saying that goes something like, “I want to die as young as possible at as old an age as possible” (or something like that). I do follow the 5 steps already, though I would admit to not doing enough of #2. How about you? I have been told I look younger than I really am and that’s nice. Now if only I could reverse the aging process so I would feel younger…
Hi. This is Mike. As I mentioned, playing sports can give you a great full body workout and help reverse the aging process. If you are just getting started or getting restarted after a layoff, we can help you with information about supplies and equipment at our site: [http://www.roundballgames.com/sample-page]. Or read our blog @ [http://www.roundballgames.com]
May 29, 2016 by Leigh St John · Comments Off on How Old Are You Really? Biological Age Filed under: General
People have always been interested in being “forever young” and today’s society is no different. We want to resist the ageing process.
The speed at which we are ageing can be measured – its called biological age, or how old your body really is.
The area of study which is now called longevity, and was once called anti aging, is hugely popular in the states.
It’s something I’m very interested in, and see it as a big part of the future for myself and my clients.
Your chronological age is how old you actually are.
Biological age is the age of your body at the cellular level.
Today we will look into how you can establish, what your biological age is and how you can improve it.
There are a few longevity factors in the list which surprised me!
(Deep question alert!)
What is the purpose of life? I don’t mean any deep seated stuff, like procreation.
I just mean, what is most people’s AIM in life. What do they want to get out of their time on earth?
Firstly and most importantly, people want to be happy. Easier said than done.
Happiness is a state of mind. It’s a feeling.
Ask someone with a big goal (like building a successful business or losing more than three stone).
“What will reaching your goal do for you?”
Often they will say something like “When I get there I will feel happy”, or “satisfied with myself”, or they say “I will feel proud”.
“I will have more energy”.
“I won’t be afraid of trying new clothes on or going out with friends”.
“I don’t want to feel like a slave to food”
“I don’t want to be scared to look in the mirror or get on the scales”.
Life is all about feelings.
People spend their entire lives in search of feelings! (mostly happiness, contentment, satisfaction and love)
How people actually reach this state of “happiness” is different for us all.
Most people I know AIM for a decent job (or business) with decent money.
All with the ultimate goal of having a good retirement.
I hear people say “When I finish work, I’m going to do this or I’m going to… (insert goal)”.
The point here being, if being happy and having a nice retirement is people’s main goal in life, then keeping your body fit and healthy surely must be part of your plan.
I know of a very wealthy man who got cancer and passed away just before his retirement, I’m sure that was not part of the master plan, he had built his business up so he could sell it and have a nice retirement (as most business people do).
He didn’t make it and didn’t get to “cash out”.
Many people don’t make it to retirement because their “plan” is messed up from the start.
Without sounding depressing we only get one shot remember.
This is NOT a rehearsal.
A lot of people get to retirement age and their body is wrecked!
This stops them from being able to enjoy their time off as much. Living life with lots of restrictions. “I can’t go there because of the steep hill”, or “I can’t do that because of my back or my knees”.
After working hard for 40-50 years – to give yourself a good pension and retirement, this is the last thing that anyone wants.
Peoples bodies are like cars.
On one hand you have new cars with high mileage that are not well serviced.
On the other hand you have old cars with low mileage that have been well looked after.
I want YOU to be like a well looked after old car, with low mileage when you get to your retirement.
I know some people, that slog away and get to the age of 40, and feel and look like they’re 50 or 60!
I also know many people who hit retirement age and feel like a 40 year old, and can keep on working and exercising for another 20 years!
This is all dependent on how we live our lives, obviously there are things such as injuries, diseases and other bad things which can impact our lives negatively through no fault of our own but on the whole we are in control of our own health.
What affects our longevity?
Scientists agree that these factors all affect your longevity in some way, big or small. (this is not a definitive list)
Muscle size and strength
Level of education
How pro active you are with going to see the doctor if needed
The amount of friends you can rely on, and love in your life
Your upper body strength
If you enjoy your work or not
Weather you smoke/drink alcohol or not, and the amount
If you exercise or not
Most of us shorten our lives and ultimately kill ourselves, through our bad habits and lifestyle choices, whatever they may be.
As you would of guessed, it is possible to slow down the onset of ageing and even reverse it to some extent.
I must say, that there is nothing wrong with ageing, it is inevitable. It is something we should be proud of, a chance to show our wisdom to the younger generation.
This article is just to show you how you can SLOW the ageing process with ease and actually enjoy it.
The Ageing Process
As we get older our bodies start to slow down and stop being able to function as well, sadly there is no getting away from this.
BUT through healthy living and making the right choices day in day out we can delay our body slowing down by years!
Just think how much more you will be able to enjoy your retirement if you feel like a 40 year old? and can spend it with the people you love.
Compare this to how much you will enjoy it if you can barely walk up a flight of stairs without having tired legs and being short of breath.
Your chronological age doesn’t have to be the same, or worse, than your physiological age.
How to slow the effects of ageing
The list above obviously helps you but here are a few more ideas for you to beat the clock.
When some people think anti aging, I’m sure some of you may think of things like anti wrinkle creams and lotions, hair dying products, botox and maybe even plastic surgery.
That does kind of sum up some of the western world that these are the steps that the majority of people (plastic surgery being an extreme example) will take to make them look younger, rather than eating healthily and exercising.
Aging leads to loss of muscle mass, loss of mental function, low mobility and a lack of energy, and as you know the cosmetic type anti aging steps I mentioned won’t help any of these.
Top tips to delay ageing naturally:
Enjoy the Outdoors – Don’t spend all of your time cooped up indoors behind the computer or watching TV. There are plenty of things to do and see outside, especially on a nice day I can’t think of anything better than going for a walk with the family down the park or beach. Sunlight also is a natural source of Vitamin D.
Yoga & Meditation – I would say that this is one of the most important strategies in staying young. I started to do this myself and it honestly makes me feel great. Yoga and meditation can help you relax and lower your stress levels (linked with aging) dramatically. It can also help you to see things a lot clearer.
Yoga is also great for your flexibility, the more flexible and supple you are the less chance you have in the future of suffering falls and lack of mobility.
Socialise – Loneliness can be a real killer. Socialise as much as possible with your friends and family. Get out there and do things, go to the cinema, concerts, attend an evening class (the more mentally stimulating the better).
Stay Strong & Active – You have to keep moving or your body will come to a standstill. Taking part in regular exercise is absolutely vital. Regular strength training is extremely important.
Losing muscle mass is something you want to avoid or at least delay for as long as possible so strength training will help this as well as keeping your bones strong, this will lower your chances of osteoporosis.
I believe food is medicine, many of the effects you get from modern day medicine you can get from eating the right foods.
Nutrition influences biochemistry. Biochemistry influences everything at a cellular level.
If you eat well there should be no need for some medications.
If you spend your whole life eating fresh, natural whole foods and stay active then it will also show. You will most likely be lean, mobile, disease free and full of energy, a rarity these days.
You should aim to eat a diet containing lots of quality fats and protein’s (the bodies building materials) which will help you to maintain your muscle stores. Also protein boosts the production of HGH in your body, HGH (Human growth Hormone) is your body’s natural ‘fountain of youth’.
As you age the production of this hormone slows down greatly, regular strength exercise (lifting, pushing and pulling heavy stuff) and quality protein keeps the production of this hormone going!
Eat plenty of antioxidant rich foods – Antioxidants which are found in colourful fruit and vegetables help to reduce the damage caused by free radicals in your system.
Free radicals can speed up the onset of ageing; they are unstable electrons (O1 molecules)which are produced during metabolism. They damage the cell nucleus and the mitochondria.
Free radicals bounce around inside your cells like a pin ball, causing damage every time they hit something. They cause absolute havoc.
Antioxidants provide the free radical with the extra O1 molecule they need to become stable O2 molecules.
Good quality natural foods are the best way to combat these harmful free radicals. Natural organic foods are packed with antioxidants which neutralise the free radicals before they cause too much damage.
Eat Omega 3s – They fight inflammation, improve the appearance of your skin and aid brain function. Three vital things that we need as we age. So make sure you get as many omega 3s into your system as you can, the best source is fresh fish, if not a fish oil supplement will do.
Lower Sugar Intake – Aim to cut out any excess sugar that you eat, excess sugars can modify essential proteins in our body which can lead to wrinkles and energy loss.
Look after your skin through good food and lots of water – Eating foods containing vitamin A (sweet potatoes, broccoli, spinach, asparagus and carrots), Vitamin C (red peppers, broccoli, cauliflower, strawberries, oranges, kiwi and pineapple) and Vitamin E (nuts, seeds and spinach) are a great way of helping your skin look healthy.
Stop smoking and limit alcohol intake – There are few things that age you faster than smoking and drinking alcohol every day so cut out smoking and do as much as you can to drink less.
Lower Stress Levels – This is another big one, I just mentioned that there are few things that age you faster than smoking and alcohol; well I think stress is one of them.
Being constantly stressed will ruin your mood, energy levels, social interaction as well as causing so many health problems.
As I mentioned above, I have found deep breathing techniques, yoga and meditation really important and a great way of combating stress.
Let’s be realistic the big medical and health companies aren’t going to promote anti aging through the things I just said, they are going to promote it through new miracle pills, lotions and creams, there is a lot of money to be made from it so they will keep on doing it.
The people who buy these products don’t have to alter their lifestyle one little bit so it suits them which is why it is so popular.
We ultimately reap our rewards in our retirement, if you have invested some time and effort into your “health & fitness account”, you will reap the rewards.
If you haven’t then you won’t!
You can actually measure your biological age online with a biological age calculator.
If all of the things I have mentioned above didn’t require effort or commitment then everyone would be running around into their 90s and later!!
But unfortunately we don’t, we die much younger than that.
Depending on what stats you use, in 2010, UK men were reported to live on average until about 77 or 78, and women on average live until 82 or 83 years old.
Do it naturally and do it right.
Let me know your thoughts on this topic, comment below, I really want to know what you think.
Thanks for reading, take care,
If you would like to receive weekly health and fitness updates on the top news in the industry along with several free gifts then follow this link: http://richard-clarke.co.uk/
Just enter your email address in the box on the right to receive a free 3 Day Detox Plan, an Easy Weight Loss Diet Sheet plus some free, easy to do, exercise routines.
There are also many easy to read helpful articles and information which can inspire you to reach your fitness and exercise goals FASTER!
As you age, different processes in your skin change its appearance, activity and structure. The aging skin has reduced cellular activity, less collagen production, lowered epidermal turn over and damage accumulation as a result of free radicals from UV exposure. All these changes contribute to the aging process and leave you with apparent signs of aging such as wrinkles, fine lines and dark spots. They come about because the skin loses moisture and elasticity from all the aging changes. Using anti-aging cream can help fight the signs because a good cream reduces the wrinkles by improving skin elasticity and also offers deep skin renewal and cellular rejuvenation by enhancing collagen production.
Causes of premature skin aging
What most people don’t know is that the aging process can actually be slowed by living healthy lifestyles. This way, you won’t have to start using anti-aging products until much later in life. When you take good care of the skin, you will prevent premature aging, which results from things such as;
· Psychological stress
· Unhealthy diets
· Excessive alcohol consumption
· UV radiation
All these factors put you at risk of free radical formation leading to premature skin aging. A few lifestyle changes might be all you need to maintain a youthful look before it is time to use a wrinkle cream. To block out sun damage, you can use a day cream and sunscreen.
Using Anti-Aging Creams
Skin aging processes can start at different times for different individuals depending on the factors. Skin professionals advise that you start giving the skin some protection from aging between the age of 25 and 30. Anti-aging creams with hyaluronic acid and creatine are some of the best in protecting the skin from harmful UV rays. Today, it is easy to choose the best anti-aging creams since you can choose for your specific skin type or your age. You will find anything from anti-aging 20s cream to anti-aging cream 50+ products. The categorization is important because skin at different ages require different treatments for the best results to be enjoyed.
As for eye creams, you can start using them as soon as you see signs of aging around this thin skin. Even younger people have issues of dark circles as well as puffiness and wrinkles around the delicate skin eye. It can be beneficial to use eye creams before turning thirty.
When using ant-aging creams, most people expect instantaneous results. However, it is important to remember that your results will depend on your type of skin and the condition of the skin when you start using the products. Regularly using your products will of course hasten the process but it is also important to adhere to the given directions of use for best results. When using quality anti-aging creams, you will feel a change in your skin texture after a few days and you should see improvements as with the appearance of the wrinkles and fine lines as you continue using them. Choose quality products and be consistent with your use.
Anti-aging cream 25 year old [http://www.amazing-anti-aging-cream.com/] beginnings can help a lot in maintaining a youthful beautiful skin. Choosing quality products is however also paramount in pushing you closer to the expected results.
May 8, 2016 by Leigh St John · Comments Off on The Programmed Cellular Death Approach to Anti-Aging Treatment Filed under: General
Modern anti-aging treatment is built on a common base of knowledge that I will quickly review. Biochemistry and molecular biology tell us there are many types of chemical reactions going on in the human body. We know that it is the genetic information programmed inside our cellular DNA that defines what reactions occur. Genetic information, expressed in regulated ways, builds the body’s proteins and enzymes, and controls how enzymes carry out the cell’s biochemical reactions.
This information, contained in the DNA of our genome, consists of many thousands of long, often repetitive, sequences of base pairs that are built up from four basic nucleotides. Human genome mapping has shown there are over 3 billion base pairs in our DNA. It is estimated they contain some 20,000 protein-coding genes. All body functions are controlled by the expression of the genes in our genome. The mechanisms controlling the aging process are believed to be programmed into our DNA but only a fraction of the biochemical reactions related to the aging process have been looked at in any detail. Cellular aging is a very complex process and many of its low level operating details have yet to be discovered.
Anti-aging theory has consolidated itself along two lines of thought: the programmed cellular death theory and the cellular damages theory. The programmed death theory focuses on the root causes of aging. The cellular damages theory looks at the visible aspects of aging; i.e. the symptoms of aging. Both theories are correct and often overlap. Both theories are developing rapidly as anti-aging research uncovers more details. As works in progress these theories may take years to complete. This broad characterization also applies to the currently available types of anti-aging treatments.
The programmed death theory of aging suggests that biological aging is a programmed process controlled by many life span regulatory mechanisms. They manifest themselves through gene expression. Gene expression also controls body processes such as our body maintenance (hormones, homeostatic signaling etc.) and repair mechanisms. With increasing age the efficiency of all such regulation declines. Programmed cellular death researchers want to understand which regulatory mechanisms are directly related to aging, and how to affect or improve them. Many ideas are being pursued but one key area of focus is on slowing or stopping telomere shortening. This is considered to be a major cause of aging.
With the exception of the germ cells that produce ova and spermatozoa, most dividing human cell types can only divide about 50 to 80 times (also called the Hayflick limit or biological death clock). This is a direct consequence of all cell types having fixed length telomere chains at the ends of their chromosomes. This is true for all animal (Eukaryotic) cells. Telomeres play a vital role in cell division. In very young adults telomere chains are about 8,000 base pairs long. Each time a cell divides its telomere chain loses about 50 to 100 base pairs. Eventually this shortening process distorts the telomere chain’s shape and it becomes dysfunctional. Cell division is then no longer possible.
Telomerase, the enzyme that builds the fixed length telomere chains, is normally only active in young undifferentiated embryonic cells. Through the process of differentiation these cells eventually form the specialized cells from which of all our organs and tissues are made of. After a cell is specialized telomerase activity stops. Normal adult human tissues have little or no detectable telomerase activity. Why? A limited length telomere chain maintains chromosomal integrity. This preserves the species more than the individual.
During the first months of development embryonic cells organize into about 100 distinct specialized cell lines. Each cell line (and the organs they make up) has a different Hayflick limit. Some cell lines are more vulnerable to the effects of aging than others. In the heart and parts of the brain cell loss is not replenished. With advancing age such tissues start to fail. In other tissues damaged cells die off and are replaced by new cells that have shorter telomere chains. Cell division itself only causes about 20 telomere base pairs to be lost. The rest of the telomere shortening is believed to be due to free radical damage.
This limit on cell division is the reason why efficient cell repair can’t go on indefinitely. When we are 20 to 35 years of age our cells can renew themselves almost perfectly. One study found that at the age 20 the average length of telomere chains in white blood cells is about 7,500 base pairs. In humans, skeletal muscle telomere chain lengths remain more or less constant from the early twenties to mid seventies. By the age of 80 the average telomere length decreases to about 6,000 base pairs. Different studies have different estimates of how telomere length varies with age but the consensus is that between the age of 20 and 80 the length of the telomere chain decreases by 1000 to 1500 base pairs. Afterwards, as telomere lengths shorten even more, signs of severe aging begin to appear.
There are genetic variations in human telomerase. Long lived Ashkenazi Jews are said to have a more active form of telomerase and longer than normal telomere chains. Many other genetic differences (ex.: efficiency of DNA repair, antioxidant enzymes, and rates of free radical production) affect how quickly one ages. Statistics suggest that having shorter telomeres increases your chance of dying. People whose telomeres are 10% shorter than average, and people whose telomeres are 10% longer than average die at different rates. Those with the shorter telomeres die at a rate that is 1.4 greater than those with the longer telomeres.
Many advances in telomerase based anti-aging treatments have been documented. I only have room to mention a few of them.
– Telomerase has been used successfully to lengthen the life of certain mice by up to 24%.
– In humans, gene therapy using telomerase has been used to treat myocardial infarction and several other conditions.
– Telomerase related, mTERT, treatment has successfully rejuvenated many different cell lines.
In one particularly important example researchers using synthetic telomerase that encoded to a telomere-extending protein, have extended the telomere chain lengths of cultured human skin and muscle cells by up to 1000 base pairs. This is a 10%+ extension of telomere chain length. The treated cells then showed signs of being much younger than the untreated cells. After the treatments these cells behaved normally, losing a part of their telomere chain after each division.
The implications of successfully applying such techniques in humans are staggering. If telomere length is a primary cause of normal aging, then, using the telomere length numbers previously mentioned, it might be possible to double the healthy time period during which telomere chain lengths are constant; i.e. from the range of 23 to 74 years to an extended range of 23 to 120 or more years. Of course this is too optimistic because it is known that in vitro cultured cells are able to divide a larger number of times than cells in the human body but it is reasonable to expect some improvement (not 50 years but say 25 years).
We know that telomerase based treatments are not the final answer to anti-aging but there is no doubt that they can, by increasing the Hayflick limit, extend or even immortalize the lifespan of many cell types. It remains to be seen if this can be done safely done in humans.
Telomerase based treatments are only a partial answer to anti-aging. Please carefully research any anti-aging supplements based on this line of treatment. Through my articles and website I want to help you maintain your good health for the next 10 to 25 years. My hope is that within time period the fruits of anti-aging research will become available to everyone.
May 1, 2016 by Leigh St John · Comments Off on Part Four: Current and Future Anti-Aging Treatments Filed under: General
As previously noted, many anti-oxidants are essential nutrients. Natural anti-oxidants, like vitamin C and E, work synergistically. Anti-oxidants may be more effective if obtained from a diet rich in fruits and vegetables. Nutritionists recommend eating 6 or more daily servings of anti-oxidant rich fruits and vegetables. Everyone agrees the use of antioxidant supplements for anti-aging may be helpful, but there is no agreement on what the most effective supplement dosages should be.
Anti-aging medicine acknowledges that stress of all kinds causes aging but has not yet developed individualized treatment for this. There are countless sources of internal and external stress and individual stress levels vary greatly. One overlooked cause of internal stress is improper hydration. Water is essential in for the correct operation of many internal functions. Too little or too much water causes age producing stress. When one is old (80+) thirst perception declines and dehydration can easily set in. Other overlooked sources of stress are antioxidants themselves. High doses (or doses above certain yet unspecified amounts) of supplemental anti-oxidants are a known cause of stress.
To be helpful, antioxidant supplements must prevent other types of stress more than the stress they themselves create. Knowing the correct supplement dosages that can do this is an essential part of anti-aging treatment. A healthy young person in his twenties, who is properly nourished, will have less internal stress that an older individual in his sixties. For a young individual, lower amounts of antioxidants may be safer than higher amounts. A older person, whose many internal homeostatic mechanisms are less able to deal with internal stress, may benefit more from higher amounts of antioxidants. Theoretically an anti-oxidant based course of anti-ageing treatment will slow the rate at which cellular damage occurs. Cells will become “sick” more slowly. Over time, as fewer sick cells are replaced at a slower rate, the number of cells retaining longer telomere chains will be higher. You can then reasonably expect this to result in an increase in life expectancy. For now the recommended but imprecise approach to decrease the rate at which cellular damage occurs is to increase your per day intake of anti-oxidant rich fruits and vegetables, to slightly increase your intake of antioxidants, and to take various vitamins and small amounts of anti-aging supplements on a daily basis. One study has shown taking a good multivitamin supplement is associated with longer telomere length.
Ideally anti-aging treatment should to be fine tuned for each individual. The key here would be to measure and minimize the cumulative effects of different kinds of stress on an individual basis. Easily measurable practical bio-markers for various types of stress do not yet exist or are not being used. When they are used it will be easy to customize individual antioxidant dosages so that everyone have “optimum” levels throughout their life. “Optimum” levels would maintain a safe reserve of protective antioxidants in the body.
Next I will briefly discuss the most popular nutrients associated with anti-aging. The most popular of the anti-oxidants, vitamins, and nutrients often associated with good health and anti-aging include: beta-carotene (vitamin A), vitamin C, vitamin E, various Flavonoids,Omega-3 and omega-6 fatty acids, Co-enzyme Q10, Lycopene, Selenium.
There are dozens of supplements that are known to effectively treat specific symptoms of old age. A few of the better known supplements include: DMAE, Acetyl-l-carnitine, L-carnosine, Alpha Lipoic Acid, DHEA, L-arginine, and melatonin
Good food contains some of the anti-oxidants previously mentioned. A few other popular foods associated with anti-aging include: Green Tea, turmeric, and red wine.
All of the above have unique biological properties and, in my opinion, are “good” for you if taken in small or moderate amounts. Some (ex. vitamin C) may also be “good” for you in larger amounts. Various studies on each of these may conflict with each other. You need to carefully research each substance on your own but researchers have already found several nutrients to be associated with longer than average telomere lengths. These include: Green Tea, Omega-3, Vitamins A, C, D, and E.
Vitamin E has been associated with telomere lengthening anti-aging properties.
Green tea contains many antioxidants, including vitamin C, E and flavenoids.Flavenoids form a large antioxidant class (including catechins and quercetin) that has many anticarcinogenic, antihypercholesterolemic, antibacterial, (helps prevent dental caries), and anti-inflammatory properties. The leaves of the tea plant are rich in polyphenols. The consumption of 3 cups or more of green tea daily has been associated with longer than average telomere length.
The Omega-3s are essential long-chain polyunsaturated fatty acids that are anti-inflammatory and help prevent heart disease, stroke, memory loss, depression, arthritis, cataract, cancer. Omega-3s slow down the shortening of telomeres; i.e. they may protect against aging on a cellular level.
Vitamin C is an abundant internal water soluble antioxidant that protects cellular components against free-radical formation caused by pollution and cigarette smoke. Many studies have associated high vitamin C intakes with lower rates of cancer of the mouth, larynx and esophagus. Vitamin C has shown promise in treating premature aging and possibly aging itself.
Due to limitations on the number of links I can incorporate into this article I could not provide more reference links supporting the preceding paragraphs. If interested please email me at the email address shown at the end of this article and I will forward them to you.
The sooner you start some sort of anti-aging treatment the better but it is never too late to start. All real treatments will help you maintain a longer than average average telomere chain length.
The goal of the programmed death theory of aging is to address the root causes of aging. This goal includes attempts to slow or reverse the telomere shortening process. Two such treatments are: TA 65 and human genetic engineering.
TA 65 is a telomerase activating product produced and marketed by Sierra Sciences. The key ingredient in TA 65 is Astragalus, a plant extract known to have telomerase activation properties. The product may work but I do not recommend it for several reasons. TA 65 is too expensive for the average person. A number of expensive health spas incorporate TA 65 in their programs. Again these are financially beyond the reach of the average person. The marketing tactics of Sierra Sciences have been questioned by many and there are law suits pending against TA 65.
The big issue I have with TA 65 is one of scientific honesty. The company genetically engineered mice that allowed telomerase to be switched off and on at an early age. TA 65 was able to switch telomerase back on in these mice and allowed them to live normal lives. http://www.nature.com/news/2010/101128/full/news.2010.635.html
Human genetic engineering is the real answer to fighting and defeating aging. It can directly address the root causes of aging. Advances in this area (ex. CRISPR) allow DNA base pairs to be inserted or deleted at specific place in our DNA. This means the human genome can now be precisely edited as needed. The lifespan of old mice has been modestly increased using telomerase gene therapy. In humans gene modification therapy has frequently been used for various medical problems. On September 15, 2015, Elizabeth Parrish was the first human to undergo anti-aging gene therapy. Anti-aging treatments will rapidly advance as our knowledge of the specifics of the human genome grows.
Current general social-political attitudes seem to be favoring the further development of anti-aging research. There are no international recognized political programs to stop aging or extend life but since 2012 a few pro-immortality political parties have sprung up. Their aim is to support anti-aging and life extension research, and to help provide access to advances in these areas to everyone. Among the numerous organizations supporting anti-aging research, the SENS (Strategies for Engineered Negligible Senescence) organization has come up with an anti-aging research plan. They want to develop anti-aging therapies to repair most forms of cellular damage. SENS, is a charitable organization. Any anti-aging advances resulting from funding it provides will become readily available public knowledge. In addition to the normal scientific research there is the $1,000,00 Palo Alto Longevity Prize that is being offered to anyone who can come up with an effective anti-aging treatment.
As of 2015, all known anti-aging treatments are only partially effective. Depending on when one starts a comprehensive anti-aging program, one can probably extend one’s life by 10 to 25 years. Researchers from the Harvard School of Public Health estimated that an anti-aging lifestyle can add 24.6 more productive years to one’s lifespan. Anti-aging knowledge increases at a rate of about 10 times every 10 years. This probably means that for many of us there is more than enough time to reap the anticipated benefits in anti-aging research. One day soon, aging, like many other diseases, will be cured. While we wait for those anti-aging technological singularities to occur the name of the game is to ensure we stay healthy long enough repeat their benefits.
As a former engineer I have a strong affinity to all sciences including biology.
My interests include following advances in the fields of anti-aging, health and nutrition. Rapid advances in these areas will vanquish the disease we call aging.
Through my articles and website I want to help you maintain your good health for the next 10 to 25 years. I believe this can be done by a daily program that includes moderate exercise, a healthy diet that includes vitamins and related supplements, and taking advantage of any advances in related research. My hope is that within the next 25 years or less, the fruits of anti-aging research will become available to everyone.
At MorningStar, it’s in the air. In the very chemistry of the place. You can feel it. You can see it with your own eyes, every day: our staff flat out loving our residents, loving them like they do their own moms and dads.
Ken Jaeger, founder of MorningStar, proved his acumen for the senior living industry through 15 years of executive roles, garnering experience in acquisitions, construction and management.
In 2003, an idea began to take shape, a pressing dream to create his own brand of senior living defined by the human touch. “I wanted to re-create my grandmother’s house, a place where one can go and feel a sense of family.”
Ken had specific designs on how to foster the ultimate environment for the well being of seniors.Out of these convictions, he established three precepts for MorningStar: Honor God. Value All Seniors. Invest generously in his team.
From his first home in Denver, MorningStar Assisted Living of Littleton, the difference was manifest: all the amenities of a five-star resort infused with the warmth of a real home.
And now, ten years and 12 homes later, MorningStar has become a landmark name in senior living.
From independent living to assisted living, from basic care through Alzheimer’s support, MorningStar’s continuum of service allows residents to extend their stay until a diagnosis calls for 24-hour nursing. Through Respite Care and Day Programs, MorningStar also opens its homes for short-term stays.
Our website offers even more about the MorningStar difference. There you’ll read about WellStar, our signature program which encompasses the physical, social, spiritual and intellectual sides of wellness. You’ll see a gallery of our award-winning architecture and gracious design. And find a Decision Guide that helps families understand & navigate the complex world of senior living, complete with downloadable templates. Read especially “Testify to Love,” which captures the sentiments of residents, their families and our staff as to why we do what we do and the impact we have.
We see our residents as heroes—men and women who have exacted out of life all its triumphs and trials, who in raw courage and tenacity have invested their days. Seniors are a testimony to the colossal events in history. They’ve witnessed world wars and the worldwide web—all in one glorious sweep. If anyone deserves honor and respect, it is our seniors. This is MorningStar’s high and chosen calling.
MorningStar Senior Living of Sparks, 2360 Wingfield Hills Drive, Sparks, NV 89436
Stutchman Family Business Recognized with “When The Going Gets Tough” Award
For the past 40 years the Stutchman family has been in the business of senior care, presently owning and operating Arbors Memory Care Community. During their tenure they’ve seen highs and lows in their business, including economic downturns and the death of a husband/father/principal partner. Through it all though, they’ve not only survived, but they’ve been able to thrive.
The Stutchman family was recently recognized by the Nevada Business Magazine through the publication’s annual Family Owned Business Awards. They received the award for “When The Going Get’s Tough.” The winner of this award is defined as “A business that faced adversity and made changes to adapt to what was sure to be a tough time.”
The magazine received several hundred nominations and narrowed those down to three finalists and then one winner in 10 categories for both the South and North part of the state.
Nevada Business Magazine had this to say about the Arbors, “Founded by Connie and Tom Stutchman, Arbors Memory Care Community is in a tough business, assisted living. Couple that with the recent economic downturn and the Arbors had to adapt to survive. Run today by the Stutchman’s daughter, Gina and her husband Jason Lewis, the organization has found a way to adapt their business model and provide affordable, yet quality assisted living.”
Some of the ways the Arbors has adapted is to add triple occupancy to their room mix, creating a more affordable option for families who need care for their over one with Alzheimer’s. They also began to offer fixed-rate, all-inclusive pricing which enabled families to count on a consistent monthly amount for care throughout their family member’s entire stay. Lastly the Arbors remodel project has just begun as well which will provide an even brighter and more inviting environment for residents and staff.
“We are absolutely thrilled to win this award and to be recognized by the business community for our years of dedication to quality senior care in Northern Nevada. We look forward to caring for our seniors and providing jobs in the Reno/Sparks community for another 40 years,” says owner Gina Stutchman.
Arbors Memory Care Community is a locally owned and operated residential community providing care for individuals with Alzheimer’s and other forms of dementia. The Arbors, which is licensed for 72 beds, consistently receives an A grade in state inspections.
A one-time screening for abdominal aortic aneurysm in men 65 years or older is associated with decreased AAA rupture and AAA-related mortality rates, according to a new review being published in Annals of Internal Medicine.
AAA is a weakening in the wall of the infrarenal aorta resulting in localized dilation, or ballooning, of the abdominal aorta. A large proportion of AAAs are asymptomatic until a rupture develops, which is generally acute and often fatal (up to 83 percent of patients die before hospitalization). Risk factors for AAA include advanced age, male sex, smoking, and a family history, with smoking being the most important modifiable risk factor.
The United States Preventive Services Task Force (USPSTF) reviewed published evidence to update its previous recommendation on screening for AAA. The reviewers found convincing evidence that screening men aged 65 and older decreased AAA-related mortality rates by approximately 50 percent over 13 to 15 years. Determining the most effective and efficient approaches to population-based AAA screening was an important goal of the review.
(Family Features) A German Shepherd named Kilo was shot multiple times during a gun battle in Florida between police and a man suspected of shooting at officers earlier in the night. Fortunately for Kilo, he was wearing a protective vest, which saved his life. Unfortunately, thousands of other K-9s officers across the country perform their duties without proper protective wear, putting them in harm’s way.
Bullet and stab protective vests cost around $1,000 each and many departments simply do not have the means to outfit their dogs. PetArmor®, known for its products that protect pets from fleas and ticks, is helping to ensure more K-9s are protected while in the line of duty. Through a yearlong partnership with Vested Interest in K-9s, PetArmor® is providing funding for bullet and stab protective vests for law enforcement teams throughout the United States.
“These dogs are out 30 feet in front of us and need these vests,” said Officer Vinnie Curcio, with the Jupiter, Fla., Police Department, which is one of the police departments benefiting from the donation. “They’re leading us into dark, wooded areas after some of the most violent people.”
Police forces in most major cities use police dogs to track criminals, sniff out illegal materials, search buildings, and do other jobs human police officers can’t do as well as a dog can. Additionally, their sense of smell is tens of thousands of times more sensitive than that of humans, making them ideal for their duties.
Beyond their sense of smell, successful police dogs have exceptional intelligence and strength. Most police dogs are male, and are frequently left unneutered so that they maintain their natural aggression. This aggression must be kept in check with thorough and rigorous training.
The most popular breeds used as police dogs are German Shepherds, Belgian Malinois, Dutch Shepherds, and occasionally mixes of these breeds. Other breeds used include Bloodhounds for detection and scent work, and Labrador Retrievers for narcotics and explosives detection.
“Police K-9 units provide an invaluable service to their community and deserve the same kind of protection as their human counterparts,” said Sandy Marcal, founder of Vested Interest in K-9s, Inc. “Thanks to PetArmor®, many more police dogs will be protected from harm while they protect their neighborhoods and towns.”
For more information on PetArmor® product offerings, visit www.petarmor.com. Additional information on Vested Interest in K-9s, Inc. can be found on their website, www.vik9s.org/.
(Family Features) According to the Centers for Disease Control and Prevention, people with diabetes are two times more likely to develop gum disease. In fact, about one-third of people with diabetes have severe gum disease.
Why are those with diabetes more vulnerable to gum disease? High blood glucose levels impair the body’s ability to heal from oral infections and uncontrolled diabetes can make treating gum disease more difficult, according to the American Diabetes Association. The Association is joining with Colgate to launch a new “Watch Your Mouth!” campaign to help raise awareness surrounding the often over-looked link between oral health and diabetes. Here are some tips to help you live well with diabetes:
Watch your mouth! Begin to develop healthy oral care habits, like brushing, flossing and visiting the dentist regularly. Research shows that brushing twice a day with Colgate Total toothpaste can help improve gum health in as little as four weeks.*
Don’t miss out on your favorite foods. Just eat healthier versions that everyone in your family can enjoy. Making simple substitutions to most dishes can help increase nutritional value, while not sacrificing on taste.
Use the right tools. Stay organized with a journal large enough to keep your diet, exercise, goals and health information together. Keep a week’s worth of prescriptions in one place with a handy pill case.
Know your risks. The American Diabetes Association lists the common risk factors for diabetes as being 45 or older, being overweight, not exercising regularly, having high blood pressure and being a part of certain racial and ethnic groups.
Visit your dentist. While your doctor and certified diabetes educator play an important role in helping with your diabetes, so does your dentist. If you don’t see a private-practice dentist, you can visit dental schools that provide services at a fraction of the cost to help you keep your mouth healthy.
Talking to yourself out loud in public is a sign of mental illness. True or false? If you said true then I am in need of serious psychiatric counseling.
Over the past six weeks I have been seriously challenged with numerous, stressful family and eldercare situations – coming at me from all sides and at a rapid pace. At the same time I have been observing a new behavior – talking to myself out loud anywhere, anytime. Whoa!!
Funny thing is, hearing my inner thoughts spoken out loud and in my own voice has somehow made me feel better and more in control. I’m not sure how and why this is happening; but I am glad about it. It’s as though I have found a new stress-reliever tool available to me at all times.
Here’s what I have learned about talking to myself over the past six weeks:
NO NEGATIVE, SELF-SABATAGING SELF-TALK.
There’s already enough negativity in this world and the last person who needs to get down on me is me. Instead of saying, “Why me?” and “I can’t do this” I boost my confidence and reassure myself with thoughts like, “I have been here before and I can get through this again.” I carefully use words that motivate and give me energy. I push aside negative self-talk immediately.
I AM WHAT I THINK.
I have become fully aware of the fact that what I think has a way of becoming a real self-fulfilling prophecy. All thoughts are fleeting…
With a documented, “rapid” increase in sexually transmitted diseases (STDs) among older Americans, there’s cause for concern about unsafe sex practices happening in retirement communities around the country, says a recent New York Times opinion piece.
Both chlamydia infections and syphilis diagnoses rose substantially among seniors aged 65 and older between 2007 and 2011, according to the Centers for Disease Control and Prevention. The numbers are similar to STD trends in the 20 to 24-year-old age group, notes Ezekiel J. Emanuel, an oncologist and vice provost at the University of Pennsylvania, and there are a few reasons why.
“First, retirement communities and assisted living facilities are becoming like college campuses,” he writes. “They cram a lot of similarly aged people together, and when they do, things naturally happen.”
Another factor: older people are living longer and healthier, allowing them to remain sexually active late into their lives. More than half of men and about 40% of women aged 60 and older report being sexually active, says Emanual citing a National Survey of Sexual Health and Behavior.
“But while they are having a lot of sex, seniors didn’t seem to get the safe sex memo…
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.
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.”
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.
Are you planning on any traveling with your elderly parents this year – for holiday visits with long distance family members or perhaps just to have a fun trip out to see sights and enjoy lovely scenery? My senior mom and I just returned from a 7 hour drive to visit some of her great-grandkids. It was a lovely visit but we did come back with a few tips to share with fellow journey-ers.
I routinely keep 4-5 lap blankets of different weights in my car – for her and for my grandkids. That way, if the car is too cool for anyone, they can balance it out easily with a snuggly warm blanket. Then, if they get too hot, it’s easy to toss it off. And the different weights are especially helpful for my senior mom, as she can go from very cold to very warm much faster than normal. This allows her to easily swap blankets as her body temperature changes without having the heater or the cooler blast her in the face to try to accomplish the same thing.
She has always enjoyed car trips in the past, but the past couple of years they’ve been less pleasant. She has found that sitting too long bothers her back and her arthritis. On the trip out, we stopped every couple of hours to walk around, get a drink, use the restroom, etc. and that worked well. By the time we headed home, she was happy over the visit, exclaiming, “This was SUCH a nice time together,” yet aching more than her normal amount. She took some medicine before we left that helped a bit and also encouraged sleeping on the way. She didn’t feel up to… (keep reading… http://eldercareabcblog.com/2-easy-travel-tips-for-long-trips-with-elderly-seniors/)
A new study has found that many people who stopped taking cholesterol-lowering statin drugs were also taking an average of three other drugs that interfered with the normal metabolism of the statins.
The other drugs can contribute to a common side effect of taking statins – muscle pain – and often led people to discontinue use of a medication that could otherwise help save their life, researchers learned.
The interactions of many drugs with statins have been known of for some time, researchers said, but are not being adequately managed by physicians and pharmacists, who could often choose different medications or adjust dosages to retain the value of statin drugs without causing this side effect.
The research, done as part of a survey of more than 10,000 current and former statin users, found that use of medications which interfere with statin metabolism almost doubles the chance that a person will discontinue statin use due to muscle pain.
The issue is of growing importance because statin drugs are some of the most widely used medications in the world, proven to lower LDL, or “bad” cholesterol, and decrease the risk of heart attacks, heart disease, strokes and death. About 20 million people in the U.S. now take statins, and new guidelines have just been issued to further expand the types of health conditions for which statins may be of benefit. Based on those guidelines, the number of statin users could increase to more than 30 million.
The findings were published in the Journal of Clinical Lipidology by scientists from Oregon State University and four other universities or research institutes.
“We’ve known for some time of many medications that can interact with statins, but only now is it becoming clear that this is a significant contributor to the side effects, and often the reason some patients stop taking statins,” said Matt Ito, a professor in the OSU College of Pharmacy and president of the National Lipid Association, which funded this study.
“This issue is something physicians, pharmacists and patients all need to be more aware of,” Ito said. “There’s a lot we can do besides discontinue use of these valuable medications. You can change dosages, use drugs that don’t cause interactions, use different types of statins. Patients need to be proactive in understanding this issue and working with their health care providers to address it.”
Persons who have problems taking statins should discuss options with their physicians or pharmacists, Ito said, and not assume the drug has be to discontinued. A Medscape web site at http://reference.medscape.com/drug-interactionchecker also can help individuals learn more about possible interactions between statins and the full range of medications they may be taking.
Statins are usually well-tolerated, but in the recent survey, a muscle-related side effect was reported by 29 percent of participants. In former statin users, 62 percent of the people said that side effects, mostly muscle pain, were the reason they stopped taking the drugs.
There are many drugs that can interfere with statin metabolism, increase systemic exposure to the statin and raise the risk of this muscle pain, the researchers said in their report. This can include some common antibiotics, cardiovascular drugs, and others taken for treatment of cancer, mental health, HIV treatment and other conditions.
These interactions are not always adequately considered by physicians and pharmacists, however. One recent report found that as many as 20 percent of significant statin-drug interactions were missed in 64 pharmacies.
Besides drug interactions, statin side effects are also more common in women and associated with increasing age, history of cardiovascular disease, and some other conditions. Statin discontinuation has been associated with increased cardiovascular morbidity and death.
About the OSU College of Pharmacy: The College of Pharmacy prepares students of today to be the pharmacy practitioners and pharmaceutical sciences researchers of tomorrow by contributing to improved health, advancing patient care and the discovery and understanding of medicines.
Nearly 9 in 10 Americans Say Retirement Savings Accounts Should be “Off Limits” As a Source of New Tax Revenue – Part of National Campaign to Raise Awareness About Benefits of Tax Deferral
WASHINGTON, Nov. 7, 2013 /PRNewswire-USNewswire/ — Americans overwhelmingly – by a margin of 4 to 1 – oppose changing tax rules for retirement savings accounts, according to a new survey released today by the Coalition to Protect Retirement, a group of America’s leading supporters of retirement savings plans.
The research shows widespread support across political parties for maintaining the current tax treatment for retirement savings vehicles, such as 401(k) plans, 403(b) plans, and traditional IRAs. According to the survey, which was conducted in mid-October, 87 percent of all Americans and 95 percent of those who have a tax-deferred 401(k)-like retirement plan accounts believe retirement savings should be “off limits” to Congress and not a source of new revenue for the government.
Today’s release of the survey coincides with the Coalition’s launch of a national education and advocacy campaign to preserve the current tax incentives for retirement savings. The campaign will raise awareness about how current tax deferral rules are helping millions of Americans prepare for their own retirement, and will urge workers and their employers to tell Congress not to change or limit these incentives to save. Visitors to the Coalition’s website www.HowAmericaSaves.com will be able to send letters to their elected officials and follow developments in Congress.
“Retirement savings incentives play an essential role in encouraging Americans to save and employers to sponsor retirement plans,” said Hank Jackson, President and CEO of the Society for Human Resource Management (SHRM) on behalf of the Coalition. “This isn’t just smart tax policy – it’s proven good sense.”
Tax Incentives Help Americans Save for Retirement The current tax incentives have succeeded in helping Americans save for retirement and have increased the number of workers who are covered by retirement plans. According to the latest available data, more than 67 million people participate in private-sector defined contribution plans alone. All told, Americans have $20.9 trillion in assets earmarked for retirement.
All Income Levels Benefit from Retirement Plan Tax Incentives Individuals at all income levels have benefitted from these incentives, particularly middle-income earners. More than 70 percent of American workers who earn between $30,000 and $50,000 a year contribute to a retirement savings plan when one is offered at work.
“Given the vast numbers of baby boomers who reach retirement age every day, retirement savings incentives are needed more than ever,” said Kenneth E. Bentsen, Jr., President of the Securities Industry and Financial Markets Association (SIFMA). “They are doing what they were intended to do – helping people who need them most to take responsibility for their own retirement security.”
The Coalition noted the important role employers play in helping workers prepare for retirement. Between 2000 and 2009, employers contributed almost $3.5 trillion to public and private retirement plans. Changes to current incentives could adversely affect employer-sponsored plans, contributions, and the retirement security of millions of Americans.
“Raising new revenue should not come at the expense of Americans’ retirement savings, not now or in the future,” said Brian Graff, CEO and Executive Director of the American Society of Pension Professionals & Actuaries (ASPPA). “If Congress reduces the benefits of offering and contributing to retirement savings, fewer people will save. The result: more of tomorrow’s retirees will need to turn to the government for help, and that will mean more federal spending.”
Representatives of the Coalition to Protect Retirement and of Juncture Strategies/ORC International will be available to answer questions and discuss the national survey on Thursday, November 7 from 1:30 – 2:00 p.m. Eastern Time. Call-in number: 1-800-745-6370 Passcode: 5356061
About the Coalition to Protect Retirement The Coalition to Protect Retirement believes that Congress should encourage retirement savings for American workers through the preservation of current tax incentives. The Coalition is composed of the following associations: American Benefits Council, American Council of Life Insurers, American Society of Pension Professionals and Actuaries, The ERISA Industry Committee, ESOP Association, Insured Retirement Institute, Investment Company Institute, Plan Sponsor Council of America, Securities Industry and Financial Markets Association, and the Society for Human Resource Management.
The Coalition’s website www.HowAmericaSaves.comwas created to raise awareness among workers, employers, policymakers, and the public about the important role that tax deferral plays in helping people plan for their own retirement security. The site provides tools for individuals and organizations to make their views known to elected officials and to stay informed about proposals being debated in Congress. To learn more, visit: www.HowAmericaSaves.com.
About the Survey Juncture Strategies/ORC International conducted a national on-line survey of 1,011 adults, 18 years of age or older, during October 14–16, 2013. A summary of the survey results is available at: http://bit.ly/retresearch.
Who would answer your Facebook “friend requests” if you were no longer around?
That depends on whom you determine – or don’t – in your estate plan. October 21 through 27, 2013 is National Estate Planning Awareness Week, and one web service is using the time to bring attention to the preparation digital assets require.
Digital assets include a variety of web and computerized documents and accounts, including social media accounts, photos, videos, websites, blogs and financial accounts.
Currently, only seven states have legal protocol for what happens to these items and accounts if their owner dies without including them in final wishes.
Bill Simpson is the Founder and President of Life Document Storage, an online storage bank for family documents and vital records including estate and digital asset plans. He said many people don’t realize how important it is to include digital assets in their estate plans.
“Digital assets are new to estate planning. Many people die without knowing they should have included these items in their plans. This makes it difficult for family members to access or delete online accounts. Depending on the site, sometimes impossible,” he said.
Life Document Storage allows people to upload important documents such as estate plans, trusts, wills and other documents. Selected relatives are able to view documents, or access them when necessary, such as the death of a relative. The company launched earlier this year.
Simpson said he came up with the idea for a family-centered document storage company from his experience as a funeral director.
“I’ve helped thousands of people make funeral arrangements. And I noticed that many of their families weren’t prepared to handle final wishes and affairs,” he said. He hopes Life Document Storage will prompt family discussions and end of life planning.
Simpson said there are several ways to begin including digital assets into estate plans.
“It’s as simple as creating a list of what online accounts you have and writing down account information. You can take it further by deciding what should happen to those accounts upon your death,” he said. “But no matter how you store your information, electronically or on paper, make sure your family can find it if something were to happen to you,” Simpson concluded.
Use these methods from MySilverAge.com to declutter and pare down before moving into a new home.
Members of the National Association of Senior Move Managers recently reported that 98 percent of their senior clients downsized before relocating.
Downsizing before a move can be both liberating and overwhelming. But for seniors who have acquired many possessions over the years, it can be an especially daunting task. Seniors planning a move into smaller living spaces should begin the downsizing process about 90 days before moving, says Greg Gunderson, owner and president of Gentle Transitions, a senior relocation services company located in Manhattan Beach, Calif.
“The most time-consuming part is the decision-making process,” Gunderson says. But even after deciding what stays and what goes, Gunderson says one question remains: “What’s the best way to get rid of the items I don’t want?” From donating a book collection to selling a grand piano, here are four ways to give possessions a new home.
Hold an estate sale. Partner with an estate sales group that can facilitate the auction or sale of belongings at the home.
Contact an auction house. Consider letting an auction house take over the sale of high-end valuables such as antique furniture, artwork or collectibles.
Donate to a charity. Thinking about passing some possessions to those in need? Call the charity (for example Salvation Army, Goodwill) in advance to give them a list of the items that will be donated.
Hire a paper-shredding service. Because financial, bank and private documents can contain confidential information, Gunderson says it’s important to practice caution when removing them from the home.
Downsizing can be an essential part of seniors’ transition to a new home. Another important step is finding the best housing solution to meet current and future needs. A free guide from MySilverAge.com addresses common questions about senior living and offers helpful resources to ease the transition. Find out:
When is the right time to move?
What are the available housing options?
Are there services to help with the moving process?
About MySilverAge MySilverAge is a website and online resource center, brought to you by be.group, that is designed to help seniors enjoy “what’s next.” MySilverAge brings together thought leaders on the subject of successful aging, leading intelligence on healthy aging and senior living, and expert tips and advice for creating the home, community and relationships in which seniors can thrive.
About be.group As one of California’s largest nonprofit providers of senior living communities, be.group is committed to creating communities and services that make the lives of older adults more fulfilling. be.group’s dedicated, well-trained staff is devoted to helping its residents and clients discover new ways to embrace life’s possibilities and new options for exploring their potential. Follow @begroupliving on Twitter.
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.
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.
Allianz American Legacy Studies researchers asked a group of Baby Boomers and their parents to rank on a scale of 1-10 (10 being most) what was more important to them when it comes to passing down an inheritance: values and life lessons or financial assets.
Perhaps not so surprisingly, the results showed that passing down values were over seven times more important than passing down valuables.
Yet only a small fraction of these three generations has made any provisions, mostly due to lack of awareness, education and the tools to do the job properly.
In addition to values and life lessons, a lot more should be included when building and passing down a legacy. Keepsakes and awards often represent defining moments and milestone events and can become family heirlooms when the stories behind their acquisitions are documented.
Identifying people in a select group of vintage family photos is one the best ways to document personal history, as some of the people in the old photos might as well be strangers to grandchildren. Those who grew up in the 20th century were first generations to record special events and moments.
Today’s digital technology offers a chance to pass down a purposeful legacy that will survive the ravages of time, and the experts at LegacyStories.org have developed an innovative Legacy Builder Tool Chest to help.
Consisting of fourteen drawers, each “toolkit” focuses on a specific legacy topic with interactive how-to guidebooks, downloadable forms, video tutorials and lots of helpful resources.
“Since passing down life lessons and values is the highest priority, we provide members the ‘Life Lessons and Values’ toolkit at no cost,” says Tom Cormier, co-founder of LegacyStories.org. “Membership in LegacyStories.org is also free so there are no obstacles to prevent anyone from securing an honored place in family history. They just need to take action before regretting it.”
The Legacy Builder Tool Chest is also being recommended by financial advisors, estate planners and elder law attorneys as a means to engage with their clients in a purposeful way.
Our goal is to help people establish themselves as “effective elders” while they are alive, and to become “awesome ancestors” when they pass on,” Cormier states. “Our grandchildren and descendants will one day have an interest in learning about their family history. Because so few people will take the time to document their personal history, those who do will live on forever as their descendants’ go-to awesome ancestor.”
Australian researchers find a 40 percent lower mortality risk among patients who had their vision corrected through the procedure
SAN FRANCISCO – Sept. 4, 2013 – People with cataract-related vision loss who have had cataract surgery to improve their sight are living longer than those with visual impairment who chose not to have the procedure, according to an Australian cohort study published this month in Ophthalmology, the journal of the American Academy of Ophthalmology. After comparing the two groups, the researchers found a 40 percent lower long-term mortality risk in those who had the surgery.
The research is drawn from data gathered in the Blue Mountains Eye Study, a population-based cohort study of vision and common eye diseases in an older Australian population. A total of 354 persons aged 49 years and older and diagnosed with cataract-related vision impairment – some of whom had undergone surgery and others who had not – were assessed between 1992 and 2007. Adjustments were made for age and gender as well as a number of mortality risk factors, including hypertension, diabetes, smoking, cardiovascular disease, body mass index and measures of frailty and comorbid disease. Follow-up visits took place after five and ten years since the baseline exam.
Previous research had indicated that older persons with visual impairment were likely to have greater mortality risk than their age peers with normal vision, and that cataract surgery might reduce this risk. These studies – unlike the Blue Mountains Eye Study – compared people who had undergone cataract surgery with those in the general population or with those who had not had cataract surgery, and did not link vision status to the surgical status.
“Our finding complements the previously documented associations between visual impairment and increased mortality among older persons,” said Jie Jin Wang, Ph.D., of the Westmead Millennium Institute and one of lead researchers of the study. “It suggests to ophthalmologists that correcting cataract patients’ visual impairment in their daily practice results in improved outcomes beyond that of the eye and vision, and has important impacts on general health.”
The association between correction of cataract-related visual impairment and reduced mortality risk is not clearly understood, but plausible factors may include improvements in physical and emotional well-being, optimism, greater confidence associated with independent living after vision improvement, as well as greater ability to comply with prescription medications.
Dr. Wang noted one limitation of the study is that participants with cataract-related visual impairment who did not have cataract surgery could have had other health problems that prevented them from undergoing surgery, and that these other health problems could partly explain the poorer survival among non-surgical participants. This issue is addressed by the researchers in a subsequent study.
Caused by the clouding of the lens, cataract is a leading cause of treatable visual impairment that will affect more than half of all Americans by the time they are 80 years old. Surgical removal of the opaque lens with an artificial lens implanted is a successful procedure of cataract treatment. If completing everyday tasks is difficult, cataract surgery should be discussed with an ophthalmologist − a medical doctor specializing in the diagnosis, medical and surgical treatment of eye diseases and conditions.
Seniors who are seeking eye care but are concerned about cost may qualify for EyeCare America, a public service program of the Foundation of the American Academy of Ophthalmology, which offers eye exams and care at no out-of-pocket cost to qualifying seniors age 65 and older. Learn more at www.eyecareamerica.org. For more information on cataracts and other eye health information, visit www.geteyesmart.org.
About the American Academy of Ophthalmology
The American Academy of Ophthalmology, headquartered in San Francisco, is the world’s largest association of eye physicians and surgeons — Eye M.D.s — with more than 32,000 members worldwide. Eye health care is provided by the three “O’s” – ophthalmologists, optometrists, and opticians. It is the ophthalmologist, or Eye M.D., who has the education and training to treat it all: eye diseases, infections and injuries, and perform eye surgery. For more information, visit www.aao.org. The Academy’s EyeSmart® program educates the public about the importance of eye health and empowers them to preserve healthy vision. EyeSmart provides the most trusted and medically accurate information about eye diseases, conditions and injuries. OjosSanos™ is the Spanish-language version of the program. Visit www.geteyesmart.org or www.ojossanos.org to learn more.
AboutOphthalmology Ophthalmology, the official journal of the American Academy of Ophthalmology, publishes original, peer-reviewed, clinically applicable research. Topics include the results of clinical trials, new diagnostic and surgical techniques, treatment methods technology assessments, translational science reviews and editorials.
A newly published AARP report illustrates a profound demographic shift that will have consequences for decades to come, particularly in the senior living and long-term care industry. Baby boomers are entering their retirement years, while the ratio of potential family caregivers to those who require long-term services and support is beginning to drop. Fewer available caregivers will mean the senior living industry must rapidly adapt to a surging market. The AARP’s full report is available here: http://bit.ly/156phYi
Family caregiving is a low-cost but often burdensome approach to elder care. Becoming a primary caregiver often involves leaving behind a career, among other sacrifices. Plus, these well-intentioned caregivers may not have the expertise necessary to provide the level of care needed by an aged parent. Adults in these roles often feel enormous pressure and stress, sometimes even resentment. At any rate, the nation’s changing demographics will make today’s family caregiving situation far different in the near future.
Between 1990 and 2010, there were about 7 potential caregivers for every one person aged 80-plus. That ratio is at the start of a freefall that will force society to change the way it cares for its elderly members. By 2030, the ratio of caregivers to elderly will be 4 to 1. All remaining baby boomers will have reached their years of highest risk (80+) by 2050, when the caregiver ratio will have plummeted still further to 3 to 1.
Kevin Williams, president of SeniorMarketing.com, suggests innovative thinking will be required to bridge this care gap: “Naturally, with fewer family caregivers available, the responsibility will largely shift to senior living communities, care agencies and already overextended government programs. But it will take more than simply building more communities or training more staff—assuming an adequate number of candidates are even available. Technological innovation may be the silver bullet to raise the standard of living for aging boomers, improve efficiency, and reduce costs.”
The nation of Japan, which has the greatest life expectancy and one of the oldest average populations in the world, has recently experienced a demographic transition of its own. Recently, the Ministry of Health, Labor and Welfare put out a call for 2 million new professional caregivers, but only received 1.3 million eligible candidates. With low birth rates being the norm, that shortfall will only increase. A tech-savvy society to begin with, the Japanese have embraced robotics and automation as a solution to the elder care issue. Motorized, assistive devices can help older individuals perform tasks themselves, while automated pill dispensers can prevent dangerous medication mistakes. A recent blog post on The Economist explained Japan’s inventive approach to the elder care dilemma: http://www.economist.com/blogs/babbage/2013/05/automation-elderly
Williams concluded: “This demographic shift is a great challenge but also a great opportunity. Forward-thinking, entrepreneurs will be leading the way in this new environment. Technology to assist with daily tasks, provide medical care, monitor, and connect seniors to loved ones is advancing at a faster pace every year. It’s not unreasonable to predict that the future will witness even better care for our future seniors.”
Baltimore-based SeniorMarketing.com was created with twin goals in mind. First, the company helps connect caregivers and seniors with local, affordable care options. Second, the company increases income for senior living communities and health care agencies.
Kevin M. Williams, President SeniorMarketing.com
5024 Campbell Blvd., Suite D-3
Baltimore, MD 21236
Newly Renovated Full-Service, 55+ Independent Living Community
Living well at an affordable price. With many options for socialization and services, seniors can improve their quality of life at an affordable price.
Full service senior apartments
The Echelon Senior Living offers a lifestyle of enriching and meaningful interactions, quality services, and an all-around carefree lifestyle. Residents of the Echelon are offered inspired and exceptional all-day dining, daily events and entertainment, and transportation services that promote vitality and engagement. And with weekly housekeeping service, your time is free to spend as you wish.
With new ownership, clubhouse renovations, and apartment refurbishment with a modern up-to-date touch, The Echelon is Las Vegas’ premier, most affordable full-service senior apartment community. And we have spacing to meet your needs: our apartments offer floor plans from 520 square feet to more than 1300 square feet, which includes fully furnished kitchens and a personal washer & dryer.
Home for Life
While the Echelon is an independent living apartment community, it works with a trusted in-home care agency to meet any changing healthcare needs. Did you know there is a Medical Tax Deduction for senior living? Senior living costs may be deductible as a medical expense. It is intended only for expenses greater that 7.5% of a senior’s adjusted gross income. Did you know there are Veterans Benefits for Senior Living? Veterans and surviving spouses can be eligible for as much as $2054.00 per month to offset the cost of senior living. Let our Senior Living Counselors provide you information on these long-term care financial tools.
(Family Features) Savoring a flavorful, homemade pie is the perfect way to end any gathering during the holidays. While apple, pecan and pumpkin are go-to favorites this time of year, introducing holiday-inspired flavor twists is perfect for those who crave a little variety.
“You’ll love the smooth layers of rich chocolate and the crunch of pecans seasoned with cinnamon and allspice in this easy-to-make pecan pie,” said Mary Beth Harrington of the McCormick Kitchens. “I like to bring this pie as a hostess gift, too – the additional ingredients give it a unique, memorable touch.”
Make any pie holiday-worthy by topping each piece with an extra-special homemade whipped cream flavored with Vanilla Extract. Try other festive varieties like candy cane, cocoa cinnamon and eggnog.
1. Preheat oven to 425°F. Line 9-inch deep dish pie plate with pie crust. Bake 7 minutes. Remove crust from oven. Reduce oven temperature to 325°F.
2. Meanwhile, microwave chocolate chips and milk in medium microwavable bowl on HIGH 1 to 1 1/2 minutes. Stir until smooth. Pour chocolate evenly over crust.
3. Beat eggs in large bowl. Add remaining ingredients; mix well. Slowly pour mixture over chocolate layer. Place ring of foil around edges of crust to prevent over-browning.
4. Bake 55 to 60 minutes or until filling is puffed and center is still soft enough to move when shaken gently. Cool completely on wire rack.
Holiday-Flavored Whipped Toppings
For Vanilla Whipped Cream, beat 1 cup heavy cream, 1/4 cup confectioners’ sugar and 1 teaspoon McCormick® Pure Vanilla Extract in medium bowl with electric mixer on high speed until stiff peaks form.
For Candy Cane Whipped Cream, beat 1 cup heavy cream, 1/4 cup confectioners’ sugar, 1/2 teaspoon McCormick® Pure Vanilla Extract and 1/4 teaspoon McCormick® PurePeppermint Extract in medium bowl with electric mixer on high speed until stiff peaks form.
For Cocoa Cinnamon Whipped Cream, beat 1 cup heavy cream, 2 teaspoons unsweetened cocoa powder,1/2 teaspoon McCormick® Ground Cinnamon and 1/2 teaspoon McCormick® Pure VanillaExtract in medium bowl with electric mixer on high speed until stiff peaks form.
For Eggnog Whipped Cream, beat 1 cup heavy cream, 1/2 teaspoon McCormick® Pure Vanilla Extract, 1/4 teaspoon McCormick® Ground Nutmeg and 1/4 teaspoon McCormick® Imitation Rum Extract in medium bowl with electric mixer on high speed until stiff peaks form.
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.
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.
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.
Although the idea may sound quaint to some, having a senior citizen in your home is something unavoidable. Yes, it is burdensome. Yes, it means having frayed nerves. Yes, it means sacrificing your privacy. Yes, you should not expect any pay-back from your elderly parents…this is their time in the sun.
From the outset,let me explain, that there is no one who will understand the problems faced by the family when an elderly person is a permanent resident, unless he/she too is in a similar position. Elders grow even older, and with increasing age comes unexpected blows, in the form of health issues, visits to doctors, and mounting medical bills. Realize that no one from the extended family or even the closer family members will be there to pitch in. It’s a fact of life….no one wants to INVITE trouble!
Most articles on Senior Citizen care lay stress on the fact that it is an honourable task that you have undertaken, to look after an old person. Few go on to explain what measures you can take to avoid those inevitable moments of depression, craziness, and having the blues, whilst you’re at the job.
Being a seasoned caretaker of a permanent live-in elderly in-law for the past two decades, I can only say this: forget your Ego, forget your cravings for instant happiness and impulsive actions. Look at the long term benefits only. Do you really want to ignore an old person’s problems by staying away and pretending to have fun? In that case, you are only playing with fire. With their lack of presence of mind, the family elder may either leave the house premises, and roam unattended, or leave the gas or geyser on, leading to gravely dangerous situations.
Be kind to the elderly, even though it may raise your hackles at times. Remember, their insensitivity and memory losses are something beyond their understanding or intention. Sometimes, the elderly get violent…handle the situation appropriately. Nowadays there are n number of forums, support groups etc who cater to specific problems involved in caring for the elderly.
Here are some pointers to follow at home, in the event of having an elderly person to take care of.
Do keep your house well-ventilated, clean and dust-free.
Try keeping the bathrooms of the elderly clean and DRY, to avoid cases of slipping.
Provide ample reading material and interesting things to do, customized to suit the individual.
Music is a great mood elevator; keep music of their generation easily accessible, with simple to operate music systems.
Constant reminders are needed for the elderly; sometimes they react negatively to such instructions. Be prepared to face bouts of anger.
Keep a doctor’s number, an ambulance number handy.
Inform all the people living around your house about the elderly relative you are looking after. This will help avoid situations in which you will feel flustered.
Keep all medicines out of their reach, and administer medicine in your presence.
Employ a part-time help at home in cases where you feel helpless.
Try to involve them in family outings and fun.
Make them feel respected, loved and wanted. This is an uphill task, as the next generation has no patience to communicate with the elderly.
Keep all the financial support ready. This may be in the form of medical insurance, pensions, savings and other schemes. One never knows when an emergency situation requiring a sudden lumpsum of money may arise.
Make them carry some form of an identity on their person if they happen to be going out for a walk, by themselves.
Lastly, do pay attention to their diet.
It finally does not matter whether the senior citizen you are looking after happens to be an in-law or your own parent. In both cases, remember you are dealing with aging problems, and this is not an easy task. It calls for a lot of patience on your part. And when I say Patience, I mean patience! Try not to shout and express your feelings of disgust, anger, and rage: even though these might feelings may be uppermost on your mind.
Balance your own life out by reading, meditation, having friends over, or going out for a break. A strong family bond will ensure that the stressful moments will be counterbalanced with relaxed ones. Lastly, always boost yourself up by reminding yourself that the present situation could have been worse!
This article is an original one. The contents have been garnered from various sources, online, books and real life experiences. In case the reader wishes to add any new dimension to this, I would welcome it. http://rumasen77.wordpress.com
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.
Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains
New Medicare plan options for 2014 will be available Oct. 15, but Health Insurance Marketplace enrollment could confuse beneficiaries
There are only a few weeks before the Medicare annual open enrollment period begins Oct. 15. This year’s Medicare season crosses calendars with the rollout of the Health Insurance Marketplace, so it’s important Medicare-eligible beneficiaries understand the differences between the two government programs, according to Allsup, a nationwide provider of Medicare plan selection services.
During the Medicare annual enrollment period, Oct. 15 to Dec. 7, all Medicare beneficiaries have the option to change their Medicare plans for the coming year to better match their needs. This includes anyone using original Medicare, Medicare Advantage or Part D prescription drug plans.
“Because the federal and state-run health insurance exchanges open for business just two weeks prior to Medicare enrollment, some people may be confused,” said Paula Muschler, manager of the Allsup Medicare Advisor®, a Medicare plan selection service offering personalized help that includes customized research and enrollment assistance.
“Medicare beneficiaries may falsely think they need to enroll in an exchange plan to avoid penalties. Or, they may be so flustered that they don’t carefully evaluate their Medicare plan options for 2014, which could be detrimental if their plan or their needs have changed,” Muschler said.
Another potential area of confusion is for those individuals turning 65 during Medicare annual enrollment. “Because some seniors become Medicare eligible during this time period, they need to look at their Medicare selections for coverage that takes them through year-end 2013, as well as coverage that will begin Jan. 1, 2014,” Muschler said. “These first-time enrollees can benefit from the help of a Medicare specialist like Allsup when it comes to navigating their Medicare plan decisions.”
What to Expect: Medicare Coverage 2014
Nearly 50 million people are enrolled in Medicare. Each year, annual open enrollment brings with it changes that can affect their Medicare plan selections.
Following are factors to keep in mind for 2014 coverage:
Medicare is not part of the Health Insurance Marketplace. Anyone with Medicare is considered covered and won’t face penalties for being uninsured under provisions of the Affordable Care Act (ACA). Medicare annual open enrollment runs Oct. 15 to Dec. 7. (Note: Health Insurance Marketplace enrollment is from Oct. 1, 2013, through March 31, 2014, according to the U.S. Department of Health & Human Services (HHS).)
Medicare recipients reaching the drug donut hole will benefit from lower costs. The gap in prescription drug coverage starts when someone reaches the initial coverage limit, estimated at $2,850 in 2014. It ends when they have spent $4,550, when catastrophic coverage begins. (These are reductions of $120 and $200, respectively, from 2013.) During the donut hole, all costs are covered by individuals out of their own pocket. In 2014, those who reach the donut hole can receive a 52.5 percent discount on brand-name drugs and 28 percent discount on generic drugs (an increase from 21 percent in 2013).
Under catastrophic coverage, they are responsible for a co-pay of $2.55 for generic or preferred multisource drugs (down from $2.65 in 2013) with a retail price up to $51 and $6.35 for all other drugs (down from $6.60 in 2013) with a retail price up to $127. For 2014, however, beneficiaries are responsible for a 5 percent cost-sharing fee for drugs over those retail prices.
Medicare Part B premium changes are expected. In each of the past three years, Part B premiums have increased. The 2013 monthly premium for Medicare Part B (medical insurance) was $104.90, an increase from $99.90 in 2012. In addition, because Part B premiums are based on the beneficiary’s income and those income levels are frozen at 2010 levels, more individuals could see their premiums change. Information on the standard Part B premium for 2014 should be available by the time Medicare annual open enrollment begins Oct. 15.
Prescription drug Part D plans will see slight changes in deductible and premiums. The Part D initial deductible decreases by $15 to $310. HHS also recently reported the Part D monthly premiums will remain relatively stable, at $31 for a basic prescription drug plan in 2014. This is close to the reported average premium of $30 for the past three years (2011-13). Part D premiums are subject to the same income-based thresholds as Part B.
Changes anticipated for Medicare Advantage plans. Not all plans change every year, but common changes include costs, such as premiums, deductibles and co-pays, and changes to covered procedures, tests, medical facilities and other provisions. Some plans may be eliminated, which means beneficiaries will need to select a new plan or default to original Medicare Part B. Enrollment in Medicare Advantage plans continues to grow with 14.4 million people enrolled, an increase of more than 1 million from 2012, according to the Kaiser Family Foundation.
Most Medicare participants will receive their Annual Notice of Change (ANOC) and Evidence of Coverage (EO) from their current Medicare Advantage and Part D providers by Sept. 30, according to Muschler. “It’s crucial people review materials as soon as they receive them and asses their current healthcare needs,” she said.
“Healthcare costs are a critical line item in most people’s budget, and especially so for seniors and people with disabilities,” Muschler added. “Believing your current plan will continue to cover your needs in the same way can lead to unexpected and costly surprises.”
Medicare specialists such as Allsup are available to help consumers and their family members review Medicare plans and choices for 2014 coverage, Muschler added.
“For many people, this can be a time-consuming, confusing and complex evaluation process, especially when comparing Part D plans or Medicare Advantage plans,” Muschler said. “Many Medicare beneficiaries are pleased to find out there are Medicare specialists like Allsup who look at the comparative details of the plans, and then provide them the assistance they need to make choices that suit their needs and budget in the coming year.”
The Allsup Medicare Advisor is an affordable, flat-fee based service for Medicare-eligible individuals.
For an evaluation of Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or visit Medicare.Allsup.com to learn more about the service.
The Allsup Medicare Advisor also has features that help financial advisors guide their clients to the Medicare plans that match their specific lifestyles and healthcare needs. Employers also use Allsup Medicare Advisor for their employees who are retiring and transitioning to Medicare. For more information, go to FinancialAdvisor.Allsup.com, or call (888) 220-9678. ABOUT ALLSUP
Allsup is a nationwide provider of Social Security disability, veterans disability appeal, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Allsup professionals deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. Founded in 1984, the company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.
The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation.
Kirchmaier was given a brand new 2013 Honda Civic after the anonymous fan heard her 1997 minivan was having lots of break downs and needing many repairs, jeopardizing her ability to continue volunteering at Direct Relief, as she has for the past 40 years.
Driving since she was 19, Kirchmaier learned to drive on a Ford Model T.
About Direct Relief
Direct Relief is a leading medical relief organization, active in all 50 states and in 70 countries. It works with more than 1,000 health clinics across the U.S. to assist in emergencies and an ongoing basis, providing them with free medications for people in need. The organization has been among the world’s largest medical suppliers in Haiti after the 2010 earthquake, has top charity ratings, including four-star and “top-notch” rating from Charity Navigator, and a 99% fundraising efficiency rating from Forbes magazine. For more information visit www.DirectRelief.org.
September is Healthy Aging Month, making it an ideal time to shed some light on an important issue that impacts millions as we age – our eyesight. With around 1.75 million people in the country having age-related macular degeneration, according to the National Institutes of Health, and another 2.2 million suffering from glaucoma, vision is a crucial issue as we age. The good news is that there are things you can do in order to help your eyes age healthily.
“Healthy eyesight is one of those things that people don’t pay much attention to until there is a problem,” explains Dr. Edward Kondrot, founder of the Healing The Eye & Wellness Center. “Ideally, it’s best to take measures to avoid those problems. Many of the problems people have with their vision as they age can be avoided, and even reversed.”
Regardless of one’s age, it is never too early or too late to do things to maintain healthy eyes. Here are 5 tips for doing just that:
Be proactive. Those who do nothing to protect their vision may find they have problems as they age. Just like being proactive to have a healthy heart or mind, it is important to make healthy vision a priority. This means purposely including healthy vision measures in your lifestyle.
Eat healthy foods. Diet plays an important role in maintaining one’s vision. It is important to eat plenty of antioxidant-loaded fruits and vegetables. They are nutritional powerhouses that will help to protect the eyes. Also, it is crucial to opt for organic foods, so that your body does not take in all the harmful chemicals. Those chemicals provide a toxic overload, which impacts the eyes, as well as the rest of the body.
Stay hydrated. Many people who have eye problems are also dehydrated. Staying hydrated is essential to maintaining good eye health. Start each morning with a full glass of room-temperature water. Drinking things like tea and coffee do not count. Add a little lemon if you prefer, which will also help to flush toxins.
Watch the shades. Millions of people have taken to wearing sunglasses, but may not be choosing ones that actually protect their eyes. Worse yet, they may choose some that actually weaken them. Dark sunglasses are not necessarily a good choice, as many may believe. When selecting sunglasses be sure to opt for those that block ultraviolet A and B light to really offer your eye protection.
Reduce eye stress. People stress their eyes in ways that they are not even aware of, such as sleeping in a room that has a night light, or light coming from an alarm clock or another room. Another way people stress their eyes is to watch television in a dark room. Both of these things can provide unnecessary stress that can cause damage over time.
“Healthy aging of the eyes can be done and is being done by millions,” adds Dr. Kondrot. “It comes down to being aware of what will help and harm the eyes and then taking measures to do what will benefit them in the long run.”
Dr. Kondrot is the author of three best-selling books, including “10 Essentials to Save Your Sight” (Advantage Media Group, July 2012), and president of the Arizona Homeopathic and Integrative Medical Association. He has founded the Healing The Eye & Wellness Center, located just north of Tampa, Fla., which offers alternative and homeopathic routes to vision therapies known as the “Kondrot Program.” The program focuses on such conditions as macular degeneration, glaucoma, dry eye, cataracts, and others. His advanced programs have helped people from around the world restore their vision. The center sits on 50 acres of land and features a 14,000-square-foot state-of-the art complex, an organic ranch, jogging trails, swimming pool, hot tub, and more. For more information, visit the site at www.healingtheeye.com.
About Health The Eye & Wellness Center
The Healing The Eye & Wellness Center is located 30 miles north of Tampa, in Dade City, Fla. Founded by Dr. Edward Kondrot, the Center offers world-class alternative therapies for vision conditions, including color and vision therapy, the treatment of glaucoma, cataracts, macular degeneration, dry eye, and more. The center also offers a variety of seminars, webinars, and training sessions for others in the medical community. Dr. Kondrot is the world’s only board-certified ophthalmologist and board-certified homeopathic physician. He is also author of three best-selling books in the field. For more information, visit the site at www.healingtheeye.com.
Protect your Winter Landscape from Hungry Wildlife by gardening expert Melinda Myers
There’s no doubt that managing critters in the landscape can be a challenge especially as food supplies start to dwindle. If you are battling with rabbits, deer, groundhogs or other wildlife, don’t let down your guard as the growing season begins to wind down.
Be proactive. Start before they get into the habit of dining on your landscape. It is easier to keep them away than break the dining habit.
Fence them out. Fencing is the best defense against most wildlife. A four feet tall fence around a small garden will keep out rabbits. Secure the bottom tight to the ground or bury it several inches to prevent rabbits and voles from crawling underneath. Or fold the bottom of the fence outward, making sure it’s tight to the ground. Animals tend not to crawl under when the bottom skirt faces away from the garden.
Go deeper, at least 12 to 18 inches, if you are trying to discourage woodchucks. And make sure the gate is secure. Many hungry animals have found their way into the garden through openings around and under the gate.
A five foot fence around small garden areas can help safeguard your plantings against hungry deer. Some gardeners report success surrounding their garden with fishing line mounted on posts at one and three foot heights.
Break out the repellents. Homemade and commercial repellents can be used. Apply before the animals start feeding and reapply as directed. Consider using a natural product like Messina’s Animal Stopper (www.Messinas.com). It is made of herbs, safe to use and smells good.
Scare ‘em away. Blow up owls, clanging pans, rubber snakes, slivers of deodorant soap, handfuls of human hair and noise makers are scare tactics that have been used by gardeners for years. Consider your environment when selecting a tactic. Urban animals are used to the sound and smell of people. Alternate scare tactics for more effective control. The animals won’t be afraid of a snake that hasn’t moved in weeks.
Combine tactics. Use a mix of fencing, scare tactics and repellents. Keep monitoring for damage. If there are enough animals and they are hungry, they will eat just about anything.
Don’t forget about nature. Welcome hawks and fox into your landscape. Using less pesticides and tolerating some critters, their food source, will encourage them to visit your yard. These natural pest controllers help keep the garden-munching critters under control.
And most importantly, don’t give up. A bit of persistence, variety and adaptability is the key to success. Investing some time now will not only deter existing critters from dining in your landscape, but will also reduce the risk of animals moving in next season. Gardening expert, TV/radio host, author & columnist Melinda Myers has more than 30 years of horticulture experience and has written over 20 gardening books, including Can’t Miss Small Space Gardening. She hosts The Great Courses “How to Grow Anything” DVD series and the nationally syndicated Melinda’s Garden Moment segments. Myers is also a columnist and contributing editor for Birds & Blooms magazine. Myers’ web site, www.melindamyers.com, offers gardening videos, podcasts, and garden tips.
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
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.
[http://www.know-selfdefense.com] IF YOU DON’T NEED US NOW YOU MAY IN THE FUTURE
The Baby Boomer generation will begin taking early retirement in 2008. In 2011 they will approach the traditional retirement age of 65. As more and more Baby Boomers retire they will put a tremendous strain on the Social Security system. So far, no significant changes have been implemented to lessen the impact Baby Boomers will have on the Social Security system. The longer any action is delayed the more drastic the changes will be. Will these changes affect you? If you were born between 1946 and 1964, then you are officially a Baby Boomer and will probably be impacted by the Social Security funding problem.
The current and projected future financial status of the Governments’ trust funds is presented in the “The 2007 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds (OASDI).” The good news is that the Social Security Administration (SSA) states that there are no plans to reduce benefits for current retirees. In fact, benefits for current retirees are scheduled to continue growing with inflation. However, the 2007 OASDI Trustees Report also states, “Social Security’s combined trust funds are projected to allow full payment of scheduled benefits until they become exhausted in 2041. This means that unless changes are made soon, benefits for all retirees could be cut by 26 percent in 2040 and continue to be reduced every year thereafter. If you are “younger” senior citizen or a want to-be senior citizen, this is not good news
The Trustees of Social Security, the Comptroller General of the United States and the Chairman of the Federal Reserve Board have said, the sooner we address the problem, the smaller and less abrupt the changes will be. The independent, bipartisan Social Security Advisory Board has also said: “As time goes by, the size of the Social Security problem grows, and the choices available to fix it become more limited.” Addressing the problem now will allow today’s younger workers planning for their retirement to have a better assurance of the future of Social Security. The problem has not been addressed as of 2007.
If Social Security is not changed we have a limited number of options in the future. The options are to increase payroll taxes, reduce the benefits of today’s younger workers or borrow from the general fund. Social Security’s Trustees state, “If no action were taken until the combined trust funds become exhausted in 2040, much larger changes would be required. For example, payroll taxes could be raised to finance scheduled benefits fully in every year starting in 2040. In this case, the payroll tax would be increased to 16.65 percent at the point of trust fund exhaustion in 2040 and continue rising to 17.78 percent in 2080. Similarly, benefits could be reduced to the level that is payable with scheduled tax rates in every year beginning in 2040. Under this scenario, benefits would be reduced 26 percent at the point of trust fund exhaustion in 2040, with reductions reaching 30 percent in 2080.”
Social Security was never meant to be the sole source of income in retirement and that especially applies to the Baby Boomer generation. It is often said that a comfortable retirement is based on a “three-legged stool” of Social Security, pensions and savings. American workers should be saving for their retirement on a personal basis and through employer-sponsored or other retirement plans. If a Baby Boomer is not preparing for retirement with a pension and/or savings to supplement their Social Security benefits, they will have to delay retirement or continue working part-time.
Glen Jensen is a writer for [http://www.SeniorCitizenDirectory.com] which is a site that provides Senior Citizen Information.
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.
Car Payment $20,000 (debt), $450 (monthly payment)
Credit Bank #1 $3,000 (debt), $25 (monthly payment)
Credit Bank #2 $1,200 (debt), $15 (monthly payment)
Store Credit Card #1 $5,000 (debt), $75 (monthly payment)
House Phone $50 (monthly payment)
Cell Phone $55 (monthly payment)
Total Debt $79,200
Total Monthly Payments $1,400
As you can see from this example, this person is losing $200 every month ($1400 monthly payments minus $1200 income). A financial advisor can usually negotiate with the credit card companies. They may even suggest that this person discontinue either their home phone or cell phone, for example, as most can probably get along with just one or the other.
For practical debt & credit assistance [http://www.debt-credit-assistance.com/credit_card_debt_solutions.shtml] information, please visit [http://www.debt-credit-assistance.com], a popular site providing great insights concerning how to address your issues and worries related to nagging debt struggles [http://www.debt-credit-assistance.com/usa_debt_management.shtml].
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.
Circle of Life Hospice helps people in the advanced stages of a chronic or terminal illness who have made the decision to live their remaining days with dignity and surrounded by compassionate caregivers. Our hospice team consists of nurses, aides, social workers, spiritual care advisers, physicians, volunteers, dietitians, therapists and bereavement counsel with that will facilitate helping you “live with” versus “dying from” an illness.
If we can help you see death through new eyes , it will help you to transform your grieving process and change how you view your world, forever.
We have learned from our patients that the Art of Living at the end of life is a time of life that can involve tremendous personal and spiritual growth.
Ask almost any senior citizen if they prefer to just sit around and take things easy, and they’re going to tell you “no way”. Mistakenly many of us equate an advanced age with lack of vitality and interest in the world around them, but as people are living longer, they’re retaining these characteristics well into their golden years. It’s possible you may know a senior who is somewhat limited in mobility or crippled up with arthritis, but you’ll find that if you suggest an activity, they’ll be more than willing to go with you. Here are some ideas for getting them up and active again:
1. If the person is lonely and enjoys company, you might be able to interest them in going to a local senior center or joining some type of club. Here they can find the companionship they seek, meet new friends, and enjoy activities with peers. In the beginning it may be difficult to get the person to go, because something new can be a challenge to anyone. Talk to the director of the center or club and find out when a good time to visit might be. Maybe there’s a time when the center isn’t very busy so that your senior wouldn’t be intimidated by a whole room full of strangers. You could invite them to go to dinner with you at a center potluck, or entice them with some of the activities you know they’d particularly enjoy. Once you get them involved, it’s a sure bet they’ll want to go back again and again.
2. Volunteering offers unique experiences for willing seniors. The different types of jobs abound, and your loved one will be sure to find something out there that he or she enjoys doing. Not only do these activities involve working as productive members of the community, but they can also come with perks, such as free dinners, small gifts, and service recognition awards. A senior who has been busy their entire lifetime doesn’t like to feel that they aren’t able to be an active part of the work community any longer. They can begin feeling depressed and worthless. Volunteering will demonstrate to them that they still have plenty to give and that their efforts are appreciated.
3. With the help of your senior, plan a get-together for others in the age group who live nearby in order to establish friendships. This is especially important when the person reaches an age where they are losing friends and need to find other people to share their world. Make sure to allow the senior to help with everything from planning to clean up. You may have to modify tasks to their abilities, but you also might find them working rings around you, because older folks have strong work ethics. Plan a simple menu and a few “get to know you” games to break the ice. They will have a lot to talk about, because they have shared similar experiences, such as the Great Depression, health problems, parenting,and other events from their lifetimes.
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.
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.
As the members of the Baby Boomer generation have begun to reach retirement age, they have completely turned the traditional idea of the “sunset years” on its ear. The senior citizen of today is nowhere near ready to slow down, and has more opportunities than ever before to continue enjoying life to the full.
If you’re a senior citizen who’s been exploring life’s possibilities, you’ve undoubtedly thought about traveling. Finding vacation packages geared for seniors is easier than you can imagine, whether they be guided tours, travels with a church or other social group, or simply flying solo. But one sometimes overlooked senior travel possibility is the cruise ship vacation.
The cruise vacation industry has grown exponentially over the past ten years, and most cruise lines operate several different ships in a variety of classes. They have made their ships to accommodate, and fill their cruises with so many activities that you’re sure to find the one which is perfect for you.
Here’s a list of just some typical daily activities aboard one of the leading cruise lines:
– Low-impact aerobics
– Sunrise stretch class
– Napkin folding
– Shopping and island information talks
– Party Bridge
– Golf putting tournament
– Art auction
– Cash prize Bingo
– Island music poolside
– Slots tournament
– Perfume seminar
– Jewelry and Cash Bingo
– Blackjack tournament
– Piano music
– Cocktail music
– Piano bar entertainment
– Dance music
– 50s and 60s Trivia
This list, however, doesn’t include anything about the shipboard stage entertainment, the offshore excursions, or dining. Nor does sit mention the ship’s library, pool tables, onboard shops, and private deck areas along the ship’s stern where you can simply stretch out on a lounge chair and watch the clouds and ocean drift by.
Most cruises will offer lectures and seminars on everything from the culture of your next port-of-call to the wines being offered with the evenings’ entrees. If you love the food, you may be lucky enough to sit in on a cooking lesson with the ship’s chef (or even a visiting celebrity chef!) One cruise line will even let you earn SCUBA certification before you reach the next great coral reef.
The stage show offered of today’s cruise ships are every bit the equal of what you can expect to see in Las Vegas, complete with pyrotechnics, laser lighting, and huge casts of dancers and singers. Royal Caribbean has three ships with ice skating rinks, and even if you think your skating days are behind you, you can still enjoy their version of the Ice Capades! Vaudeville is alive and well on cruise ships, when you’re in the mood for sheer silliness.
Most cruise ships have cocktail mixers at which you can mingle with your shipmates, and most of them also have dance floors where you can strut your stuff. The casinos and Bingo parlors are great for fun on the days you’re at sea, but the ports-of-call you’ll visit are really the highlights of your cruise. Pulling into a tropical bay with balmy breezes and 75° temperatures when the folks back home are bundled up against the snow, and strolling along a deserted beach or playing a round of golf on one of the world’s elite courses are just some of the unforgettable experiences you’ll enjoy on your cruise.
You’ll never have a safer vacation environment than that of a cruise ship. Regardless of whether you’ll be traveling solo or with family or friends, you can relax completely and let yourself be pampered just as you’ve always dreamed. The only thing you won’t like about your senior cruise ship vacation is that you waited so long to take it!
myroadtotravel was created in late 2007 as way for my wife and I to do what we love most…Travel. We love to share our experiences with others and have recently created our first blog [http://www.myroadtotravelblog.com] to help us do just that. Through this blog, we offer travel tips, our own personal experiences/adventures and photos from our vacations. Please stop by and give us your feedback and remember, for all your travel booking needs please visit us athttp://www.myroadtotravel.com
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
This article is the first in a series of articles derived from Thornton’s new Textbook & CD: Inside Advice on Marketing Senior Housing—The 15 Components of Success.
Long gone are the days when hosting a cheerful open house and producing a pretty brochure passed for a marketing program. Today, maintaining and protecting your market amid fierce competition and rapid-fire industry change requires solving complex issues. It’s a time where no one’s future is assured. If marketing planning falters, an occupancy goal that looked like a sure thing can suddenly become a pipe dream. If marketing execution is incorrect, full occupancy can turn into vacancies before you know it.
While senior housing has never been a simple business, today it’s more complicated than ever before. In fact, you might be tempted to call it something stronger—chaos.
Marketing has suddenly become crucial. To succeed in the face of this daunting reality requires advanced marketing systems and a formula for achieving full occupancy.
One key to successful marketing planning is directing resources to those areas that have the greatest influence on occupancy development and maintenance. However, tracking occupancy as a benchmark for success is misleading in that census is a trailing indicator of a marketing program’s overall effectiveness.
A successful marketing program should…
To read the rest of the article (and parts 2 and 3), click here.
It was my first time speaking at Juvenile Hall, I was terrified! I had seen enough movies to know I didn’t want to be there. As I hurried through the metal detectors, and pushed through the big metal doors, my heart was pounding and I was filled with fear. I wondered if I would get out of this place alive.
I passed the holding tanks, rooms with big windows containing kids who had just been arrested. In there were kids pacing, fighting addictions, fearfully waiting to be assigned to a unit. Some kids were right at home. They knew this place! They had been there before.
When I stepped into the inner sanctum I heard sounds that confirmed my fears. Angry kids were screaming, using profane language. I heard loud pounding on the doors, which dotted the narrow hallways. Juvenile inmates were communicating through the thick cement walls. As I scurried along, I saw empty eyes piercing out at me through the small, eye level windows of their rooms. I passed through more metal doors and hallways, until I came to the unit I was to speak in. Inside sat fifty young men, of all nationalities. I knew from their varying hair color. Their backs were toward me. They were juveniles from the age of 15 to 17.
As I slowly walked to the front of the room, I made sure there was a guard on either side, in case one of them grabbed me. I took a deep breath and turned toward them. My heart stopped! I was shocked! They were just kids! I expected them to look like criminals, but they looked like they could be one of my nine grandkids.
Although some did appear tough, and others rough, there was something about them that touched me. At that moment, my life changed! A still small voice inside me said, “you must try to help them!”
Thus began my continuing, nine-year mission, to help kids who are in trouble with the law. These are my kids. “The Forgotten Kid.” The children we think we can lock up, throw away the key, and forget. The ones who learned most of the bad things they have done, from us, the older generation. They are kids, paying the price for the sins of society. Our scapegoats
There are up to 600 kids locked up, in this facility, at any time. The Hall houses kids from the age of 10 to 18, although I saw a nine-year and ten-year-old carrying blankets and pillows. Were they going camping?
No! They were headed to their rooms, to be locked up, for armed robbery.
BE A WINNER IN LIFE IS MY PROGRAM. I help the kids believe they can still be WINNERS. I teach them they have potential to do amazing things with their life. In fact, I believe God sent them to this earth to do good with their lives. I tell them each one is a genius, in their own way, and can do something better than anyone else can do. They must find their genius. They must go to school, obey the law, obey their parents, be honest and work hard. My goal is to share with them the same truths I taught my kids: the basic truths of right and wrong.
I hope to support the parents who are good parents, but their kids got on the wrong track. I try to teach the ones with bad parents, or no parents, values they were never taught: basic principals of good and bad.
How did I start speaking at Juvenile Hall? It began a long time ago, when I was a little girl, the daughter of an alcoholic father who emotionally damaged my mother and us kids. I grew up in circumstances similar to some of these young wards.
I speak to them because I would have loved to have had someone, who cared, talk to me when I was young.
Some of these kids, like me, are the off spring of parents who didn’t care how their actions affected their kids. We were from homes full of contention caused by parents with addictions. Sick parents who were unable to control their own lives, let alone parent a child. So-called parents, who lived in their own hell and created havoc in the lives of their children. Parents who abandoned their kids.
When I talk to the kids, I relate to the ones who hope to fix their parents, and those who must care for their siblings. I relate because I remember pouring my Dad’s alcohol down the drain, thinking it would fix our problems but instead, I got myself into lots of trouble. I remember taking money from my Dad’s pocket, after he passed out, to give to my Mom. Money for food.
I remember the day I realized that whatever I did at home would change nothing. I would never have the loving family I longed for. Like many of these kids, I turned to friends for the family I needed. Like them, they were usually the wrong kids of friends, peers who were doing bad things. I remember drinking alcohol, even though I hated it, so I could fit in.
I hear my same story, over and over again, at Juvenile Hall.
To help them I share a profound truth, which I discovered in my young life. “Bad things happen for a reason!”
My bad thing: after a wasted life, at the age of 57, my Dad died an alcoholic. His drink of choice was 100% over proof rum. The good thing: My Dad’s death led to me realize I didn’t want to end up like him, or give my kids the life he gave me. I eventually made a commitment to stop drinking and change my life. Thankfully I was young and not an alcoholic, like my Father and Grandfather.
My commitment worked! I share with them how wonderfully my life has turned out, because of one small choice. I used my Dad’s mistakes to choose a better life for myself. I now have the life I dreamed about. My husband and I have been happily married for 45 years and with our children and grandchildren, are a close knit, happy, non-drinking family.
I tell them, “you can turn the bad things which have happened in your life into motivation for a better life too.” I help them believe they still have time to change.
Another reason I speak at Juvenile Hall is because I was a victim of a drunk driver. At the age of 17, the car I was riding in was hit head-on by a drunk driver. My head went through the windshield. My nose and part of my ear was torn off. Thankfully doctors put me back together, but I came to realize the terrible carnage alcohol could cause. I’ve had a mission all my life to teach the evils of alcohol use. I was a speaker for Mother’s Against Drunk Driving for several years. In fact, they were the ones who first sent me to speak at Juvenile Hall.
I teach the kids to abstain from alcohol and drugs. I have commitment cards, which I encourage them to sign and honor. I know if I can help them make a commitment not to drink alcohol, or use drugs; they will have a better chance at changing their lives and reaching their potential. They don’t need alcohol or drugs in their life. Most of the kids are locked up because of their first drink of alcohol, which lead to drug use and criminal behavior.
One of the questions people always ask me is “what is it like to talk to young criminals? Do they listen to you?”
My answer is, “at first it took a little time to know what to say and how to say it, so they would accept me. It took me time to overcome my fear of knowing how to communicate with them and have them accept me.”
One night, one of them asked, “why do you come to Juvenile Hall?” I answered, “why do you think?” His response, “for the money!” I replied, “no one pays me, in fact the first time I spoke, someone stole the hub caps from my car.” His mouth fell open and then he really listened to my program.
I’m happy to say I do very well with them! The kids are very attentive. They know I care. I don’t judge them. In most cases, I don’t know what their crime is. I don’t want to know. I tell them that what they have done is wrong and they must pay the price. On the other hand, I hope to stop them from getting deeper into crime. If I can stop them from hurting someone in the future, I feel my time is worthwhile.
I know I won’t get through to all of them, but I hope to plant seeds, which may take root someday when they have choices to make. My dream is to save as many as I can.
It is very gratifying when I feel I have gotten through to them and when they thank me. One boy said. “You told me bad things happen for a reason. Your right!” I never would have gotten an education if I hadn’t come to Juvenile Hall. I just got my GED. I applied to a college and was accepted. I will be going to school to be come an engineer when I get out.”
I am happy when I feel I have helped them look at life in a more positive way.
I try to help them turn their mistakes and bad experiences into something good. My greatest success is that I encourage the kids at Juvenile Hall to write letters to save other kids from the consequences they are experiencing. They have written incredible letters. Their letters have great impact on other kids because they come from their peers. My latest book “Letters from Juvenile Hall, Kids Helping Kids contain the letters.
Here are inserts from some of the letters:
Addiction controlled my life. Don’t let it control you! I wish for all you guys to be safe, and I pray for you kids that don’t know what life is really about, because after that second when you make the bad decision, it goes down hill from there. Only you can change your future. I hope you all understand that there’s a number in prison with your name on it, if you don’t change. Now’s the time to change. Not later. Not when you get out, but now! If you don’t change now you never will.
Gang banging was my worst thing I ever gotten into. If I could take it back, I would. I repeated my Dad’s cycle.
Now I sit here in a one-room cell, facing 25 years to life. I want you to look around and see what kind of situation you’re in. Open you eyes and your minds and soak as much education as you can. I’m 17 years old in a couple of weeks. I will be graduating from high school (in Juvenile Hall). Education is the key to life.
I’m in the Hall, Unit 800. Why? Because I committed a sin while I was on drugs. At the age of 13, I started using drugs because my best friend was asking me to try some. At the age of 16, my charges are DUI, evading a peace officer, driving at an unsafe speed with no license, a firearm in the car and 187 murder.
All the violence that is going on in our community is not solving nothing. The only thing it’s doing is killing us off, one by one. Before you know it the human race will be extinct. Because we are the last of the dying breed. I’m only telling you this so you guys can make the right decision. Your homies probably say they are down for you, but they be faking, and that’s real. The only people that’s going to stick by you is your mama and your family. I seen too much in my life young homies and it’s not what you are thinking. I lost my little homie and that really hit me. All that was on my mind was retaliation but when I thought about it, I knew it wouldn’t bring him back so I thought of another game plan. I prayed!
Eva, I want to thank you for all the help that you have given me. All the little words you’ve spoken in your groups have helped me so much along the way. I have changed in ways that people wouldn’t believe. I have done a whole 360. Without the help of you, I see the change being 100% more difficult. I wish my family was around to see my new life.
As you can see, my experience with my kids, at Juvenile Hall, has been emotionally rewarding and very satisfying to me. These kids give my life meaning. I feel I am making a difference.
I continue to try to help kids. I have written a book called “BE A WINNER IN LIFE”, which I hope to get into the hands of every child in Juvenile Hall’s, all over the country. Also, I want to get it into the hands of parents. I hope to get to kids before they are locked up.
Yes I’m a grateful to be a senior citizen at Juvenile Hall! I’m grateful my senior years have value and that I am doing something with my time, which is worthwhile.
I now know that every senior citizen can use the wisdom they have gained throughout their life to make a difference. We can all do something. I encourage you to find a way to help a child. Our kids need you!
Eva Fry is an author, singer/songwriter and motivational speaker. She had a ten year volunteer program at Juvenile Hall called “Be a Winner in Life” She has three books “You Must Have a Dream” for seniors, “Be a Winner in Life” for kids, troubled kids and their parents, and Letters from Juvenile Hall, Kids Helping Kids” – for all kinds, especially those who are locked up and to help kids from being locked up. She started writing and songwriting at the age of 60. Her goal is to encourage seniors to reach their potential and help kids do the same. She has many free articles on her web site to help young and old. She has six CD’s which are spiritually based and inspire young and old. She is avilable as a speaker or performer. Her work is available on her web site Eva Fry – email@example.com://www.evafry.com ( She has many free articles on her web site)
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.
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.
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.
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.
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.
Convenience and Product Selection Encourage More People to Manage Incontinence Online, Parentgiving.com Survey Reveals
For the first time in its five-year history, the senior wellness site Parentgiving.com conducted an opinion survey on incontinence, reaching out to nearly 5,000 of its customers who shop for self-care products in this category. The focus was to learn how people best cope with incontinence and if a greater awareness about it as a medical issue has erased its stigma and prompted more people to talk to their doctors about treatment. Respondents were also asked to share both their frustrations and their strategies for maintaining quality of life.
Results show that progress is being made. Slightly over 70 percent have talked to their healthcare provider about incontinence—many of them are taking or have tried medications, and a few have had surgical procedures.
But nearly 30 percent of respondents have still not sought medical attention. Reasons are varied. A few people still feel too embarrassed to bring it up, even in front of a doctor, while some assume it’s just a normal part of old age (it’s not!) or don’t know that there are treatments that might help. Others say they have more life-threatening medical issues, from diabetes to stroke recovery, that take precedence when they’re at the doctor’s office. For a few, the possibility of yet another medication to add to their existing regimen would be financially out of the question.
* Fear of accidents is the top concern. Two-thirds of respondents ranked this as their number one worry. The lack of product selection came in second at 21%. People want more product choices, which will, in turn, help them feel more secure about avoiding accidents.
* Online is the way people want to buy products. Nearly 46% buy products online where they can get the widest selection and have anonymity.
* Absorbency is the key feature in choosing products. An overwhelming 81% ranked this first. Information on a product’s absorbency should be front and center on product descriptions, say the respondents. Comfort ranked second and the ability to buy a product online ranked a strong third at 36%, above both cost and anatomical design of items.
* Many people are satisfied with their incontinence products. In fact, 40% are very satisfied. However 44% are only somewhat satisfied—there’s room for better education about products to help people find those that are more effective for them and the respondents had numerous suggestions for incontinence product manufacturers to improve styles.
About Parentgiving. Parentgiving.com is the online destination dedicated to the health and wellness needs of seniors and their caregivers. A comprehensive website, Parentgiving offers hundreds of informative articles on eldercare, plus Q&As with experts on healthy aging. The Parentgiving Store sells find thousands of products from medical supplies to practical tools for the activities of daily living. Everything can be ordered by phone or online with fast shipping right to the senior. For more information please visit www.Parentgiving.com or follow us on Twitter.
So many of the most important decisions we make in life are made when we are least prepared to make them. So it is, when the time comes to choose whether, or which nursing home facility in which to place an aging parent. It’s estimated that 60% of nursing home admissions are made from a hospital, rather than from a home, or an assisted living facility. Your loved one may have suffered a broken a hip or a stroke, or may be suffering from dementia. The time constraints in this type of situation press care givers to make a quick decision regarding care of their love one, without the luxury of investigation and due diligence that such a decision deserves.
We will attempt in this post, to review resources which are available to help you make a decision of this kind, whether the situation is a hurried one or not. Making such a decision depends, in large measure, on the condition of the parent and what types of care or treatment will be required for their individual circumstances. It will largely depend on whether they are injured due to a broken hip, or other disabling condition, suffering from Alzheimer’s or other form of dementia, or other conditions.
There is a growing amount of information available online to assist in this process. At the federal government level, there are many resources to assist. The website, http://www.eldercare.gov/eldercare.NET/Public/index.aspx is a good place to begin. You can either search by location or by topic to find resources available in your state or city. There are a large number of resources listed on this site which address many of the concerns and problems faced by care givers to our aging populations.
Additionally, to assist with evaluating potential nursing homes, a publication called, Your Guide to Choosing a Nursing Home, (http://www.medicare.gov/pubs/pdf/02174.pdf) presents a fairly complete outline of considerations when attempting to evaluate a place for an aging parent. Subjects such as “Choosing the Type of Care You Need” to “Steps to Choosing a Nursing Home” are included. The Nursing Home Checklist (http://www.medicare.gov/nursing/checklist.asp) will also provide many ideas for evaluating and screening potential facilities.
The federal government also funds state level Ombudsmen to assist in these matters. The National Long-Term Care Ombudsman Resource Center website (http://www.aging.state.nv.us/) will allow you to find these resources in your state. For Nevada, that contact information can be found here. (http://www.aging.state.nv.us/) The Las Vegas office of the Ombudsman can be called at (702) 486-3545. Concerns ranging from finding an appropriate care facility to reporting cases of elder abuse can be directed to the State Ombudsman’s office.
Among non-government agencies, there are many advocacy groups that can also provide assistance. The Consumer Voice provides a Guide to Choosing a Nursing Home .
Beyond these and other resources that you may uncover in your search for a nursing home, many of the considerations you may want or need to consider have to do with costs. Medicare will only pay for medically necessary care in a nursing home. It will not pay for non-medical everyday assistance with normal living. If your loved one needs assistance with walking or eating, these things are not covered. Most nursing home costs are paid out of personal savings, social security benefits, Long Term Care (LTC) insurance benefits, or Medicaid if the patient qualifies. Nursing home costs are estimated to average $200 per day for patients, and this doesn’t include cost for treatment needed for additional services, such as dementia care, for example. Long Term Care insurance must be purchased and in force, prior to your loved one’s need for services.
Once you’ve done the initial research, nothing replaces visiting the facility and seeing for yourself. Visit often and at various unexpected times, to be sure that the facility is the type of environment you would want your parent or loved one to be exposed to. Considerations include turnover rate of personnel in the home. Does the home offer “consistent assignment” which means do nurses and aids treat the same patients on most of their shifts. Consistency and familiarity are important considerations for your loved one. Relationships built between patient and nursing home staff can provide a measure of security for your loved one. If a home employs a high number of temporary workers, or turnover is high, that consistency can be lost.
Four items to think about in any nursing home placement include, how convenient is the home to all family members, quality of care for chronic conditions including dementia and/or physical disability, supportive environment for the potential resident, and do costs fall within an affordable range. And once this decision is made and your parent or grandparent is now in such a facility, keeping an eye open for negligence or even abuse is important. Unfortunately, this is a growing problem as our population ages and requires higher levels of care. So if such a thing should happen to your loved one, the services of a trusted attorney may be required. Our firm does provide such services, and more information can be found here. (http://www.richardharrislaw.com/personal-injury/nevada-nursing-home-abuse-lawyer.php)
DADE CITY, FLORIDA – (July 22, 2013) – According to the World Health Organization, in high-income countries two-thirds of people live beyond the age of seventy and predominately die of chronic diseases, such as cardiovascular disease, chronic obstructive lung disease, cancers, diabetes or dementia. If caught early on, some of these health issues are treatable and preventable.
“70 percent of the neurological system is linked to the eye,” affirms Dr. Kondrot, founder of Healing the Eye & Wellness Center and the world’s leading ophthalmologist. “The correspondence between your eyes and your health is extremely insightful. When part of your body is failing or not working properly, oftentimes your eyes reflect that.”
The National Eye Institute states that approximately 4,195,000 people in the United States suffer from some form of vision impairment and 7,685,000 have diabetic retinopathy. Here are five health issues that produce symptoms in the eye:
High Blood Pressure: hypertension can cause damage to the blood vessels in the retina, known as hypertensive retinopathy. The damage can be serious if left untreated.
Liver disease: one of the symptoms of liver disease is jaundice, the discoloring of the skin and whites of the eyes due to the high levels of bile the blood stream.
Stroke: the damage the stroke does in the brain impacts the visual pathways of the eye, which can result in blurry vision, double vision, moving images, loss of visual field, and sensitivity to light.
Nutritional deficiency: a lack of vitamin A can lead to night blindness.
Alzheimer’s Disease: some individuals suffering from Alzheimer’s also experience a decline in vision such as motion blindness, contrast sensitivity, or a lack of depth or color perception.
“Your eyes are a complex organ and any diseases that one sees in your eye is most likely occurring somewhere else in your body,” adds Dr. Kondrot, “It is essential to maintain periodic visits to your eye doctor and live a healthy lifestyle to prevent and treat these health issues before it’s too late.”
Dr. Kondrot is the author of three best-selling books, including “10 Essentials to Save Your Sight” (Advantage Media Group, July 2012), and president of the Arizona Homeopathic and Integrative Medical Association. He has founded the Healing The Eye & Wellness Center, located just north of Tampa, Fla., which offers alternative and homeopathic routes to vision therapies known as the “Kondrot Program.” The program focuses on such conditions as macular degeneration, glaucoma, dry eye, cataracts, and others. His advanced programs have helped people from around the world restore their vision. The center sits on 50 acres of land and features a 14,000-square-foot state-of-the art complex, an organic ranch, jogging trails, swimming pool, hot tub, and more. For more information, visit the site at www.healingtheeye.com.
About Health The Eye & Wellness Center
The Healing The Eye & Wellness Center is located 30 miles north of Tampa, in Dade City, FL. Founded by Dr. Edward Kondrot, the Center offers world-class alternative therapies for vision conditions, including color and vision therapy, the treatment of glaucoma, cataracts, macular degeneration, dry eye, and more. The center also offers a variety of seminars, webinars, and training sessions for others in the medical community. Dr. Kondrot is the world’s only board-certified ophthalmologist and board-certified homeopathic physician. He is also author of three best-selling books in the field. For more information, visit the site at www.healingtheeye.com.
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.
I am a late-bloomer singer/songwriter from San Diego. I didn’t know how much fun it would be to be a senior citizen but my senior years have been my most exciting and I hope to inspire other seniors to live their dreams, as I am doing.
Let me tell you of my accomplishments, so you have an idea of what I have done and
why I hope to inspire you.
First, my age is a factor. I am now a Medicare recipient. I am 67. This doesn’t mean much, except seven years ago I began to write music. At the age of 60 I wrote my first
song, something I had no idea I could do. Since that time I have written 60 songs and
had all of them produced. I have completed six CD’s and have four of them on the
market. The amazing thing is, I have had 150 radio stations play my music.
Before I began to write music, I had no musical training. I could not read music and could not
play a musical instrument. I am now learning to play the guitar and piano. During these
seven years I also wrote and published three books. As you can tell, I have been busy,
but I am having the time of my life.
I hope to encourage others to live their dreams too. As I am proving, we can all do more
than we think we can. Your life can be exciting too!
At the age of 67, I am a singer/song writer, author, entertainer, motivational speaker and
comedienne. I am the MC for the City of San Diego Senior talent contests and have my
own shows at the San Diego and Orange County Fairs. I was 1st and 2nd runner up in the
Ms Senior America Pageant here in San Diego in 2005 & 2006
How was I was able to change my life from a stay-at-home Mom to entertainer? I did it
with a dream!
First, let me tell you about my youth. When I was young, I had two dreams. I wanted to
be a missionary and I wanted to be an entertainer, but life didn’t provide opportunities
for my dreams. My father was alcoholic. My childhood was very difficult. I married
young and began a family. My family then became my dream. I wanted to be a good
Mom, give my kids what I didn’t have and help my husband. I was successful. I have
three grown, responsible and righteous children who are now being good parents to my
nine grandchildren. My husband, Al, and I have been married for 47 years. We have a
happy life together.
I’m grateful for my “Mom” stage of life, but life moves on. When my children grew up,
a new stage developed. Time for old dreams! I still enjoy my family, but now I have a
life of my own too.
In my book “You Must Have a Dream” I tell of being in my empty nest and writing down
my old dreams and making plans to live them. I was shy and needed to overcome my
shyness, if I wanted to accomplish my dreams. In my 50’s I decided to go to college and
take a speech class. I was chosen to be on the speech team at Palomar College, in San
Marcos, California. I traveled for two years, all over America, with fun, intelligent
young people, competing in speech competitions. I won a national speaking award!
This accomplishment gave me the confidence I needed. I used my newfound talent to help others. For many years, I spoke for Mother’s Against Drug Driving, because I had
been a victim of a drunk driver, when I was young. I then began a volunteer program at
Juvenile Hall in San Diego, speaking to incarcerated young people, helping them change
their lives. I ultimately wrote my book “Be a Winner in Life”, for at-risk- young people
and their parents. This was part of my missionary dream. I have many letters of thanks
from troubled young people. My book is being used as a manual in a school in
Mississippi, in their drug and alcohol prevention program. My latest book is “Letters
From Juvenile Hall, Kids Helping Kids, A book of letters from the kids to help save
others from their consequences and a book of encouragement and council to the kids.
For my entertainment dream, I now had the confidence to be in front of people. I began to learn the words to old songs, which my mother loved, and entertain at care homes and
senior centers. The sweet souls, in my audience, loved my shows. They also thought I
was young, since most of them were many years older than I. I had such fun with them
and still do.
It was then I wondered if I could write my own songs. My first song was written in the
car, as I drove to my daughter’s home, in Las Vegas. I was age sixty. I could not read
music or play a musical instrument so I just sang into a cassette recorder. I wrote two
more songs and was told to take them to Justin Gray, the Music Director at Lawrence
Welk Theatre, ten minutes from my home. Justin produced my first songs and launched
my career. This was why I wrote my second book – “You Must Have a Dream” to show
others seniors how they can live their dreams, as I am doing.
What is my life like now? I love performing in my shows and making people happy. I
love inspiring others to live their dreams. Recently, a 78-year-old lady gave me two
books she had written and published. She was inspired after reading my book. I am so
proud of her. Her husband also just published a book. I have had many people thank me
for my books and inspiration. It feels good to help others.
I now know that God blesses us, when we choose to use the talents he has given us.
I believe we all need a philosophy for our own lives. My philosophy is this: I believe God
sent each one of us here on a mission. He gave us gifts and talents and potential. It
should be our life’s work to discover those gifts, develop them and reach our potential
and then take what we have learned and share it with others. We must do all we can to
make our world a better place. This is what I try to do and encourage others to do.
Whoever you are or whatever your age, with this philosophy, you will discover the true
meaning of happiness. Someone said, “Happiness lies in following a dream. I know this
I hope that my life story will inspire you to discover and live your dreams. You can do
more than you think you can! I’m grateful to be a late-bloomer, living my dreams and
having so much fun!
Eva Fry’s mission is to help others become better and happier. She is an inspirational author, singer/songwriter, motivational speaker, and seminar leader. Eva has published three books: “YOU MUST HAVE A DREAM” -for seniors, “BE A WINNER IN LIFE”-for good kids, troubled kids and their parents, and “LETTERS FROM JUVENILE HALL, KIDS HELPING KIDS” (Actual letters from kids at Juvenile Hall, intended to save other kids from destroying their lives). She has produced 7 Music CD’s: REMEMBER (new music for seniors), OH WHAT JOY CHIRSTMAS THE LITTLE THINGS (inspirational country), I LOVE LIVING THE TEACHINGS OF THE LORD (Gospel/Christian), SAVIOR OF MINE (Christian), GOD GAVE YOU INTELLIGENCE (for children), CLASSICAL STYLE (instrumental).
Her articles have been published, all over the world. She invites you to use the FREE ARTICLES she has written for: at-risk kids as well as FREE ARTICLES of inspiration to help meet life’s challenges. Visit =>http://www.evafry.com
By Nancy LaFever / Posted on 12 July 2013 in Seniorsforliving.com (link below)
A creative program that was originally designed to assist seniors with dementia,TimeSlips uses a storytelling format to spur creativity in older adults and other age groups. Using TimeSlips,trained facilitators have people create stories from prompts, usually pictures. Especially effective with dementia patients, it relieves the often anxiety-producing effort of remembering with imagination. As described, “TimeSlips opens storytelling to everyone by replacing the pressure to remember with the freedom to imagine.”
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.
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 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.
Sunscreen on Your Feet? Doctors Urge Sunscreen Use and Exams to Prevent Skin Cancer on Feet
CHICAGO—July 8, 2013 Many people do not think about their feet when applying sunscreen, but did you know that the skin on your feet is highly susceptible to melanoma and other forms of skin cancer? The American College of Foot and Ankle Surgeons (ACFAS) warns that skin cancer of the foot is prevalent and can even be fatal if not caught early.
While all types of skin cancer, including squamous cell and basal cell carcinoma, can be found on the foot, the most common is the most serious form, melanoma. Symptoms can be as subtle as an abnormal-looking mole or freckle found anywhere on the foot, and often go unnoticed without routine foot exams.
The foot and ankle surgeons of ACFAS offer these tips to keep your feet safe this summer:
Lather up with sunscreen from head to toe—literally—when at the pool or beach to protect your skin from the harmful rays of the sun.
Check your feet and toes regularly for symptoms such as an abnormal-looking mole or freckle anywhere on the foot – even under toenails and on your soles.
Look for moles or freckles that change in size or shape. If you notice anything suspicious, promptly schedule an appointment with your foot and ankle specialist to have the mark examined.
Schedule routine exams with your foot and ankle specialist so he or she can keep track of suspicious, changing marks.
According to Boston foot and ankle surgeon Thanh Dinh, DPM, FACFAS, early diagnosis is key to effective treatment for the condition. But because people aren’t looking for the early warning signs or taking the same precautions they do for other areas of the body, often times skin cancer in this region is not diagnosed until later stages.
For more information on skin cancer of the foot or other foot and ankle health information, visit the American College of Foot and Ankle Surgeon’s patient education website, FootHealthFacts.org,
# # #
The American College of Foot and Ankle Surgeons is a professional society of over 6,800 foot and ankle surgeons. Founded in 1942, the College’s mission is to promote research, provide continuing education for the foot and ankle surgical specialty, and to educate the general public on foot health and conditions of the foot and ankle through its patient education website, FootHealthFacts.org.
New Interview with I.C.E. Keytag Inventor Tom Force Reveals What Inspired Him To Create The Potentially Life Saving I.C.E. (In Case of Emergency) Keytag
SOUTHLAKE, Texas, July 9, 2013 /PRNewswire/ — Tom Force, inventor of the I.C.E. (In Case of Emergency) Keytag was recently interviewed by Mike Taylor, Sr. Editor at Newswire. Tom reveals how the tragic events surrounding his mother’s death spurred him to create a potentially life-saving product, the I.C.E. Keytag.
Tom’s mother lived in a seniors’ complex in apparently good health. In January 2010 she was rushed to the hospital after neighbors found her unconscious. She had suffered an aneurysm and several hours later slipped into a fatal coma.
The national average time from accident to notification of next of kin is 6 hours. In Tom’s case, it was 7.
Tom regrets those lost hours with her and said, “Having those few hours with her would have been priceless.”
Tom said the I.C.E. Keytag “was the result of the way things played out with my own Mom.”
Tom created the I.C.E. (In Case of Emergency) Keytag as a way to put emergency contact information literally into the hands of an emergency responder. In case of an auto accident, their first action is to turn off the ignition. The over-sized tag on the key-ring carries emergency I.C.E. labeling, alerting authorities whom to call. The company also provides a critical emergency medical form for the glove compartment. This info could potentially help to save a life.
The I.C.E. Keytag, with its prominent “I.C.E.” logo, has other applications. Tom said, “One of these on your backpack, bike, in your sneaker laces or on golf bag could help to save your life.”
Tom is proud of this American made product and has partnered with businesses and non-profits in 30 states to facilitate widespread distribution. Custom designs allow businesses or charities to promote their cause.
Stephanie Miller, independent I.C.E. Keytag representative, said, “My clients love them. They are giving their customer base something that helps them in a time of need.” She added, “They provide peace of mind. You can’t get any better.”
Tom’s veteran-owned company gave away “We Will Never Forget” I.C.E. Keytags at the local 9-11 observance. “We let people throw money into the hat and raised $2,600 for their cause. This will stay on their key-ring, and they always WILL remember,” said Tom.
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
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.
Vegas Ranked 7th Most Generous City, According to Dating-Auction Survey
A survey conducted by WhatsYourPrice.com ranked the most generous cities in America according to average first-date offer. While the average accepted first-date price is $80 on the site, Las Vegas is home to some of this year’s most generous daters. The average cost for their shot at love? $174.
Las Vegas, NV – June 26, 2013
WhatsYourPrice.com released its annual list of “Most Generous Cities in America,” ranking the nation’s cities based on the generosity of their single men. Indianapolis is this year’s “Most Generous City,” with the average man valuing a first-date offer at $226.
The dating-auction site, which boasts over 650,000 members, calculated generosity according to the average price of all accepted first-date offers made by members since June 2012. Offers that were declined were not included in the calculations.
Here is a ranking of the year’s most generous cities in the US:
Top 15 Most Generous Cities in America (According to Average Accepted First-Date Price)
1.) Indianapolis, IN – $226
2.) Miami, FL – $207
3.) Philadelphia, PA – $199
4.) Charlotte, NC – $192
5.) Oklahoma City, OK – $183
6.) San Francisco, CA – $177
7.) Las Vegas, NV – $174
8.) San Antonio, TX – $163
9.) Raleigh, NC – $159
10.) Dallas, TX – $151
11.) Boston, MA – $148
12.) Baltimore, MD – $140
13.) New York, NY – $134
14.) Denver, CO – $132
15.) Seattle, WA – $127
“The most generous cities are home to the most sincere daters,” says Brandon Wade, Founder and CEO of WhatsYourPrice.com “The more a man invests in a first date, the more likely he will not take the opportunity for granted.”
When Wade first launched the website in 2011, his goal was to create a more active and open-minded dating community than can be found on a traditional dating site. According to Wade, by incentivizing the opportunities to date, members are encouraged to date more often, and to take more chances.
“When you put your money where your heart is, there is absolutely nothing to lose and everything to gain,” says Wade. “Men in these major cities realize that if there is chemistry, then the generosity paid off. If not, then at least she did not leave empty-handed.”
For information regarding this study, or to schedule an interview with WhatsYourPrice.com, please contact Leroy Velasquez at (702) 635-2440 or Press(at)WhatsYourPrice(dot)com.
WhatsYourPrice.com is the only online dating website where first dates are bought and sold, and has been featured on such outlets as the New York Times, CNN, Anderson and the Huffington Post. WhatsYourPrice.com was founded by Brandon Wade, Founder & CEO of a number of successful niche online dating websites in April 2010. The website has over 650,000 members worldwide, 74% of which are located within the United States.
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.
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.
When it comes time to retire from work, there are some significant choices that you will need to make. One of them is whether you will continue to get up at the same time in the morning as when you had to go to work. Most people opt to not get up as early, but some still like doing that because it is such a habit.
Another choice is about where you want to live after retirement. It isn’t like anyone is saying you have to leave your house if you don’t want to, but many people think that finding an alternative kind of senior citizen housing is more appropriate than where they currently live.
There are so many baby boomers who are retiring right now, that there has been kind of a boom in the amount of places available for seniors to live in. There are a great amount of active retirement communities and assisted living facilities and even more and more nursing homes for people who need a lot of extra help.
But as far as where you are supposed to live, that is something that is completely up to the individual. And that kind of choice is one of the big characteristics of baby boomers; expecting to have a large amount of choice over their lives. That idea of being in charge of your own life certainly has not changed appreciably in any way since back when the boomers were in college.
In general, there are three choices in senior housing. These are identified by the amount of extra nursing and personal care that the residents require throughout the day. The active senior communities are where the folks live who need the least amount of extra personal care during the day. These are often based around sports like golf or tennis and have very active people living there.
The nursing home setups are where the people live who need the most extra assistance. These are staffed by nurses and doctors 24 hours a day and the people who live there need the most amount of extra care during the day.
In the middle are the assisted living facilities where people who need just a small amount of extra personal or nursing care live. This can be a place like a senior apartment complex or an entire community full of small homes where the residents live.
But no matter what amount of extra assistance a person needs after retirement, the internet can certainly help you find the best senior citizen housing option for you and your particular situation.
One of the reasons that you hear that people like internet dating is that they can pretend to be somebody they are not. And still manage to get a lot of dates.
But no matter what you hear, or what you read in dating forums, this idea is wrong, false, incorrect, just plain bad and can lead you failure on any senior citizen dating website you decide to join.
Think about it this way for a moment. If you are really going to pretend to be someone you are not, how long do you think you are going to be able to keep up that facade? Are you going to invent an entire other life that only exists in your head. Are you really prepared to create all the details that it takes to be successful at being another person?
Just imagine how difficult this is going to be. Inventing things like a fake birthday, languages you speak, how much you weigh, how tall you are, your hair color or your accomplishments in life.
They train people for a long time at the spy agencies just for them to be believable in a couple of circumstances. And you probably don’t have any of that kind of training. Which will inevitably doom your best efforts at deceit to failure.
And when you’re found out, what have you gained? Its not like you have people to go out on dates with Or a list of phone numbers to call, or people who want to spend any time with you at all. You really have even less than when you stated because you wasted all your time trying to pretend.
The reality is so much easier to deal with. If you are bald, well, then say so. Lots of women like bald men. If you are carrying a couple of extra pounds, own up to it, many people of both sexes don’t mind and even enjoy going out with someone who isn’t stick thin.
It is so easy to be yourself in an online dating situation that the trouble it takes to invent a different person just for the dating sites is just not worth it.
This doesn’t mean you have to compose a tell-all story of your past failed relationships, it just means that it is OK to be the real person that you are. And when you sign up to a senior citizen dating site you will find it so much easier to attract the person you are really looking for if you are truthful that you will never consider being any other way again.
When you are in a place where you are holding a purring cat or playing with a dog in the yard, have you ever noticed that you are often in a good mood? Many people have noticed that pets can give us warm feelings of love and importance, and while these are important no matter what age you are, more people are beginning to notice that the elderly can really benefit from them. There are many studies that show that the owning and handling of animals will significantly benefit the health of the individual, and that owning pets that make them feel loved and important can help the elderly to lead to longer, healthier lives.
Is there an elderly person in your life who could benefit from the love that an animal has to give? While many people are interested in getting a pet for the senior citizen in their life, they often do not know where to start. If this is something that you are thinking about doing, you will find that it is very important to prepare and to make sure that you are going to be able to get them the pet that is right for them. Take some time and consider the matter. Are they in a situation where they are going to be able to take care of the animal and do they like animals? Many people find that they can ease their family into the idea if they introduce them to a pet through a service first.
When you are looking for a pet for a senior citizen, you should start by looking for an older animal, especially if the person in question has some limited mobility. For instance, there are cats and dogs that are adults and ready to be adopted from the animal shelter. There are many advantages to adopting adult animals. For instance, you already know how large the animal is going to get and you also know what their temperament is like. You will not be bringing a bouncy youngster into the home that will need to be trained and you will find that older animals tend to be very laid back. Not only are you going to be giving an older animal a home, you will find that they can be just the perfect fit for the person you have in mind.
If the senior citizen in question has never owned an animal before, you will find that this is something that requires a lot of discussion. Ask them if they have ever considered it, and make sure that they do get to meet the animals in question. Getting a good match in terms of personality and lifestyle is essential, as is making sure that the levels of care that are necessary are going to suit. Take some time and make sure that you consider what your options are when you are thinking about finding the right pet for the senior citizen in your life.
Pets can enhance our lives in so many ways, so make sure that you consider what they can do for the older person in your life!
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.
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.
June 21, 2013 by Leigh St John · 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.
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.
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:
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.
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 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.
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]
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.
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 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.
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]
Now, more than ever, elderly adults opt to stay in the comforts of their homes instead of living in a nursing facility. That is why an increasing number of home owners are beginning to adjust the environments of their houses in order to make it more senior citizen-friendly. This can be a task that would require a great amount of effort, and just like any endeavor that you’d like to accomplish successfully, it requires a lot of efficient planning.
If you’re a concerned relative who wants only what’s best for your elderly member, there are two general tips that you should remember. (Note that every senior experiences a unique condition from the rest and it would be wrong to generalize their particular needs.):
1) As I have mentioned: plan. Though you’d want to take action as soon as possible in order to shorten your loved one’s discomfort, it will be impractical to simply throw in one idea over another without properly considering the most efficient way of doing them.
Planning includes checking every part of your home and making a list from the simple things that may need adjustments to things that you think you may install to make the house more convenient. Some details that you’d want to consider are the width of your door frames — especially if your senior uses a device such as a wheelchair or a walker, the floor — make sure that the surface is not at all slippery and is clear of clutter, and the availability of space in the house — ensure that there is enough of it to allow the senior to move about without bumping on furniture or appliances.
Finally when you’ve made your list, you can proceed to the organizing part. Evaluate your list and see which items go with each other or in which areas of the house should each adjustment be applied. The evaluation will also allow you to realize if you’ve missed some important issues. For instance, in choosing the best materials or brands to utilize and considering your financial needs, you may realize that you need to determine further which ones are affordable for the time being and if you’re going to need to apply for a loan.
A great plan leads to great implementation. When you’ve finally come up with a well thought out plan, made a list of all the adjustments and materials needed, and specialists you may consult, you can finally proceed to putting this plan into effect. Remember that if you keep the well-being of the elderly in your heart, for the entirety of this project, you’ll be able to successfully pull it through.
In performing these tasks, make sure that every adjustment is favorable to your senior. Allow him/her to tag along if you’re going shopping for recliner chairs or walkers and make them try various models and sizes so they could choose which ones are best for them. It is also important to allow them to familiarize with the adjustments you’ve made so they’d be aware of the changes and quickly adapt to them.
Family First HomeCare is the perfect solution for seniors and others in need in New Jersey who are not ready to leave their home for an institutional setting, but because of illness or chronic conditions need support to remain at home. We improve your life by providing compassionate, one-on-one care in the comfort of your own home. Find out more about senior care services in New Jersey.
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.
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
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.
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.
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.
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.
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.
When parking, Try to park as close to your destination. Younger people should park a little further out to save spaces for elderly people.
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.
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.
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:
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!
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.
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 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.
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.
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
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.
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.
It happens every year about this time. We start thinking about creative and thoughtful gifts for our older family members and friends and just can’t get any help. Search on Amazon for senior citizen gift ideas and you’ll be overwhelmed by lots of frankly inappropriate selections.
So what is the magic secret to avoiding the same old flowers, scarves and socks? Let’s look at a few options that we have given to our parents and grandparents that have really gone down well.
As we get older, everyday tasks become harder. You don’t want to see Grandpa taking out the trash on a winter night holding trash in one hand and a flashlight in the other. The thoughtful solution might be a lighted baseball cap with LEDs to light his way, freeing one hand for stability.
Is Mom having trouble reaching the cat dishes because she has trouble bending? What about a reaching device that is not just useful, but will have everyone in the family playing with it.
Anyone in the family having bathroom issues? A $2,000+ Japanese talking robotic toilet would be great, but did you know that there are several low-cost options for retrofitting automatic toilet seats to your bathroom?
Practical is great, but there are times that a simply beautiful gift is more appropriate. Even here, though, it pays to be sensitive to the challenges of aging.
My Mom has been suffering from arthritis recently, and her ability to fasten buttons and clasps has diminished significantly. So my last gift to her was a set of 30 inch gold and silver chains that she could slip over her head without doing the clasp. We also swapped a few of her pendants from her older chains so that she could wear her favorite pieces all over again.
No, we don’t mean a cup with “World’s greatest Dad” on it. We’ve had great success with thoughtfully personalizing gifts, particularly using today’s technology.
Do you know anything that gets older members of the family to reminisce more than music from their “golden age”? One of our favorite recommendations for anyone looking for the perfect senior gift is an MP3 player.
Yes, we know that your parents and grandparents can barely get to grips with the TV remote (ours, too). That’s where the personalization comes in. You add the music beforehand and keep adding to their collection over time. We bought Dad 3 CDs of 50s classics and loaded them on the MP3 player so all he has to do is press play and stop (and on his player that’s the same button).
So this year stay away from the same old tired gifts and get something for your favorite senior citizen that is thoughtfully practical, beautiful or personalized.
Uma Eklund is dedicated to providing products and gifts that allow seniors to enjoy life to the full. Uma researches and selects products to recommend based on her own experience with finding and buying the best gifts for senior citizens. If you would like more gift ideas for senior citizens please visit our website at http://www.thoughtfulseniorgifts.com.
June 5, 2013 by Leigh St John · Comments Off on Boston Elder Care Expert A. Michael Bloom Shares Coping Strategies to Support Accidental Caregivers Tending to Ailing Moms and Dads Filed under: Articles
Boston Elder Care Expert A. Michael Bloom Shares Coping Strategies to Support Accidental Caregivers Tending to Ailing Moms and Dads
BOSTON, May 2, 2013 /PRNewswire/ — Mother’s and Father’s Day celebrations are approaching, yet millions of adult children care for parents year round while on the brink of burnout. Catapulted into the accidental caregiver role without warning, stressed-out kids are doing their best to hold life together when everything seems to be falling apart.
Boston Elder Care Expert A. Michael Bloom issues a timely warning. “You must seek support as a caregiver. The life you save may be your own.”
Bloom offers practical coping strategies to help family caregivers recharge their energy and avoid burnout during a free monthly Caregiving Power Hour. During these tele-sessions, caregivers get tactical solutions to get through the week ahead. Bloom wants to inspire and train caregivers to provide quality support for their loved ones while fully living their own lives.
“It’s coaching, community, and caring in the gift of an hour of sacred time that can really make a difference,” Bloom says.
Bloom knows the stressful caregiving journey well. He served as the primary, live-in caregiver for his parents during their final years. His father passed away in 2009 and, after a courageous battle with cancer, Bloom’s mother passed away in his loving arms on Mother’s Day 2012.
“Caregivers put the well-being of loved ones first which can mean putting their own needs and plans on the back burner. The regret for career or life enhancing opportunities not taken can be a bitter pill to swallow,” Bloom says.
He honors the legacy of his parents by sharing key steps along the roadmap to caregiving without regret.
Release Crisis Mode. Stop being a victim to circumstances so you feel stronger and become laser-focused to meet your family’s needs. Supporting loved ones through medical challenges is overwhelming and scary. When you become aware that feeling like a victim or in a state of crisis is a mindset, you can successfully shift back into taking control and positive action.
Overcome Conflict. Communicate and cope with calm and clarity. Otherwise, you will crash while riding the emotional roller coaster associated with disability or disease. Mastering your own trigger points for anger and frustration will lead you to deal effectively with the most challenging people and circumstances in your life.
Achieve Buy-In. Motivate others to contribute based upon their individual abilities, preferences, and talents so your loved one receives the most satisfying support possible. Giving others choices for how they can serve will foster their desire to gladly help on a regular basis.
Deliver Greatness and Compassion in Equal Doses. Become the inspiring caregiver that people cheer for and gladly support in meaningful ways. Let your compassion shine through in all actions as you support your loved one. Devote equal time for self-care so you have the energy to let your best shine through even during tough times.
Magnetize and Motivate Talent. Create an atmosphere that attracts and retains the best people to join your loved one’s care team and experience brilliant performance. Stay positive and open to the opinions of others so you can facilitate options for the best care and support.
Access Intuition. Trust your instincts and let your care and dedication guide your decisions. Share any concerns and questions with key support professionals. It is better to explore a concern that proves to be okay rather than ignore something that could be life threatening.
Put Chocolate in Your Pill Box. Find ways tofuel your soul so you can thrive during the caregiver journey and develop the passion and purpose for your life beyond caregiving. Dose yourself regularly to avoid burnout while creating enduring satisfaction and success.
AboutCertified Professional Coach andEnergy Leadership™ Master Practitioner A. Michael Bloom
Since 2011, A. Michael Bloom has revitalized the careers of hundreds of family and professional caregivers with practical, tactical soul-saving coping strategies that support them in saving lives – including their own. An in-demand New England speaker, workshop leader, and coach, Bloom has influenced hundreds of caregivers to follow a roadmap to avoid burnout and recharge their caregiving energy. The author of the forthcoming book, The Accidental Caregivers Survival Guide: Your Roadmap to Caregiving Without Regret, Bloom welcomes media interviews, speaking engagements, and the opportunity to inspire caregivers around the world via his monthly Caregiving Power Hours. Learn more at http://www.bloomforcoach.com/powerhour/.
Betty White’s “Off Their Rockers” TV Show Is Demeaning to Older People, Says Octogenarian Anti-Aging Expert Barbara Morris
ESCONDIDO, Calif., May 2, 2013 /PRNewswire/ — While everyone loves Betty White, not everybody loves her TV show, “Off Their Rockers” according to octogenarian anti-aging expert Barbara Morris, editor, and publisher of the online Put Old on Hold Journal and e-Magazine.
Morris, author of Put Old on Hold, a book acclaimed by Florence Henderson and other celebrities for its non-traditional approach to aging, says that while she admires Betty White’s energy and creative ability, the premise of “Off Their Rockers” is so distasteful that Morris doesn’t understand why Betty can’t see that she is not doing old people a favor with the show’s premise of seniors pulling pranks on unsuspecting folks. The “unsuspecting folks” are usually embarrassed young people. “The whole idea is embarrassing to a lot of us older folks, too,” says Barbara Morris.
“Why did Betty decide to do this show?” asks Ms. Morris. “Is it because she is so confident and so vibrant that she can’t understand that most of her audience doesn’t grasp that she is trying to spoof the pathetic stereotype of “old” and see it as confirming it instead? Maybe she is so focused on getting a laugh that she doesn’t see the damage she’s doing.”
“Regardless of her reason to create this misguided show and no matter how good her reason, it’s still damaging to all of us who ever get old enough to fall prey to the ‘old people eventually lose it’ stereotype,” asserts Morris. “She is undoing the very thing that we love her for–being vibrant and funny and “with it” in her 90’s.”
Morris continued, “We appreciate and applaud Betty White. But she needs to give us respect in return. Participating in a show that’s demeaning to older people is simply not the right thing to do. In so many ways Betty could use her talent, energy, and experience to choose projects that more accurately reflect the caliber, talent and continued competence of old people.” In the meantime, says Morris, “It’s time to retire “Off Their Rockers.” It never belonged on the air in the first place.”
NARI offers tips in honor of National Home Improvement Month.
Des Plaines, Illinois, May 8, 2013—In honor of National Home Improvement Month this May, the National Association of the Remodeling Industry (NARI) advises homeowners of the 10 most important steps to take before the remodeling project starts.
“The planning and researching phases of a project are the most critical steps in the remodeling process,” says NARI National President Art Donnelly, MCR, CKBR, Legacy Builders & Remodelers Corp., based in Mount Sinai, N.Y. “The more knowledgeable and prepared a homeowner is, the more they protect themselves.”
What can a homeowner do to prepare for a remodel? NARI provides a top 10 list of steps homeowners should take before breaking ground on their next remodel.
Research your project. Taking time to research projects on the Internet and NARI.org will provide a good sense of what is involved such as price, scope of work, return on investment and new product/material options. Also, research property values in your neighborhood to make sure your project is in line with other homes in the area.
Plan project around the long-term. How long do you plan to stay in your home? How might your family structure change over time? Life can change quickly—these questions should be answered early on to ensure your project will fit your lifestyle long after it’s complete.
Set your budget. Deciding on a realistic budget and arranging finances to support your project are essential. This number needs to include everything—the project, products, contingencies, etc. Don’t be afraid to share this with your remodeler; professionals are respectful of a client’s budget and will create a plan around it, not over it.
Use advanced search for professionals. The online world makes it easy to gather information about strangers. Ask friends, family and neighbors for referrals and then spend time researching that person online. Professional remodelers take their reputation seriously and hold credentials beyond licensing, such as certifications, memberships in trade associations and additional training. Look for examples of press coverage or involvement in industry presentations or events. Check online reviews and social media to see how they interact with past clients and peers.
Ask the right questions. Time and cost are important, but getting the right information requires the right questions. Ask your professional remodeler about his educational background, training, specialties or past issues with clients. Ask about how the remodeling process will work.
Verify your remodeler. Don’t take their word for it. Check the information given to you such as references, license numbers, insurance information and certifications by calling providers to verify. Request a visit to an active client’s jobsite. Make it known that you are checking on him—a true professional considers that as a positive sign to working with a homeowner.
Review contracts word-by-word. A remodeling contract protects you and your remodeler. Homeowners should review this carefully. Professional remodelers have done this before, and know what should go in a contract. Homeowners are not as familiar with remodeling and should ask about terms if they don’t understand. Pay attention to details about change orders, payment, additional fees, timeline and responsibilities. If it’s not in the contract, it doesn’t exist.
Keep design in mind. Your design guides the entire project. Think about what you dislike about your current space and the intended use of the new space. Use Websites such as Pinterest.com and Houzz.com to gather design ideas. Make sure you can articulate specifically what you like about that design when talking to your designer. Professionals don’t recreate a photo—they incorporate accessibility, functionality, ease of modification, style and value into your design.
Make your selections. Deciding on products and materials is a larger process than most imagine. With so many options to choose from, product selections are one of the primary reasons for project timelines to get extended. Base decisions on quality, function, price, style and availability. Include selections in the contract to lock down pricing and keep your budget intact.
Create a communication plan. A common downfall in remodeling is lack of communication between homeowners and remodelers. Your remodeler should lay out a communication plan at the beginning of the project. If not, ask them to do so. This plan should clarify roles of everyone involved, communication methods, availability, and frequency of communication that is expected.
As an industry that struggles with a persistent negative perception of remodeling contractors, these tips serve both the industry and consumers in elevating real professionals from the pack.
The first step to hiring a professional is through NARI, whose members are vetted and approved by industry peers to ensure they live up to the professional standards that NARI sets. “NARI members are proud of their affiliation and commitment to professionalism, and it’s a reputation they work hard to protect,” Donnelly says.
Consumers may visit www.NARI.org to find a qualified professional who is a member of NARI or call NARI National at (847) 298-9200 and request a free copy of NARI’s brochure, “How to Select a Remodeling Professional.”
Click here to see an online version of this press release.
EDITOR’S NOTE: NARI can provide hi-res digital photos of award-winning projects to accompany your story. Contact NARI with your photo request at firstname.lastname@example.org or ask for Morgan Zenner at (847) 298-9200.
# # #
About NARI: The National Association of the Remodeling Industry (NARI) is the only trade association dedicated solely to the remodeling industry. The Association, which represents member companies nationwide—comprised of 63,000 remodeling contractors— is “The Voice of the Remodeling Industry.”™ To learn more about membership, visit www.NARI.org or contact national headquarters, based in Des Plaines, Ill., at (847) 298-9200.
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
Elder Law Plus: lawyer Evan H. Farr blogs about topics concerning elder law, including probate strategies and parental care.
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.
Everything Elder Law: Evan Farr is back at it again, this time focusing on Elder Law news, concepts, and innovations from around the country.
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.
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.
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.
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.
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.
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.
Elder Law Tips and News: the lawyers at Cooper, Adel & Associates bring you posts on living trusts, aging issues, and general estate planning.
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.
Kraft Elder Law: attorney Robert Kraft blogs about Medicaid, Medicare, wills, trusts, probate, veterans benefits, and other elder law topics.
Pennsylvania Law Blog: this elder law blog by the attorneys at the law offices of Shober & Rock discusses Medicaid, taxes, Veterans, banks, and annuities.
Long Beach Elder Law Blog: this blog focuses on elder abuse, estate protection, the Cal MediConnect program, and reform of health law.
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.
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.
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.
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.
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.
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
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.
Estate in Denial: providing news, analysis, and commentary on abusive practices occurring in probate courts. Features original perspective and direct communication.
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.
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.
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.
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.
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.
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.
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
Ageist Beauty: the musings, product reviews, and random thoughts of a woman who is fighting against her age.
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.
The Lonely Gerontologist: professor Kelly Yokum blogs about all things aging—including aging stereotypes and other aging topics that come to mind.
My Elder Advocate: this blog provides comprehensive coverage of ageism, the dangers of nursing homes, elder abuse, and elder care.
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.
The Gypsy Nester: Veronica and David show readers how to rock the empty nest and get the most out of life as you age.
Changing Aging: this multi-blog platform challenges conventional views on aging. The authors believe aging is a strength, rich in developmental potential and growth.
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.
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.
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.
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.
The 70-Something Blog: blogger Judy informs readers how to live a full and engaging life as she chronicles her journey of aging.
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.
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.”
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.”
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.
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.
Activist Post: while this blog deals with many topics requiring advocacy, they often include issues that regard Senior Rights, Elder Law and anti-ageism.
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.
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.
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!
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.
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:
◾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.
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.
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
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.
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.
Puzek Security Systems
To see more pepper spray for seniors please visit us online at Puzek Security Systems
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
The sale of final expense life insurance opens up dormant prospects. Final expense life insurance representatives employ intense selling techniques with a senior.
Looking confident but insecure, the sales agents feature dollar symbol tattoos etched upon their chests. Typically enlarged eyes like low-cost red neon glare as their looks show signs of being famished. In spite of this, these indicated company agents resemble an assassin centering in on the newly generated money target… a senior citizen.
Just about any older senior citizen has gained ample deep-rooted ability by encounters with nonstop sellers. Stricken by a sales figure quota, the sales agent keeps trying to hack continuously for sales closings. Stabilizing in for improved position gets him shifting backward, bordering on dropping back just like a gunshot hare.
The sales agent gives his best presentation. All the same, in all certainty this is absolutely not a quick game, yet this still is an important matter of life and death..By this time many newer career agents get raindrops of anxiety arising swifter than the countless stars in the sky.
The retired weakened senior catches his breath and then takes an object out of his new sweater zippered pocket. Out from an undersized vial of prescriptions, he removes a singular one, more shrunken than an upsetting bug. Without water to drink, the speck of the potent nitrate is centered then below his tongue.
Wonder overwhelms the representative, now aware that this is absolutely without doubt no chunk of sweet stuff. Making a response, the senior citizen starts commenting in a gentle scratchy vocal tone. He replies it was a nitrate pill as previously he had sustained a congestive heart stoppage. Flowing words & phrases bring figures of a full-length account of health circumstances. Then a smile glows, as a gesture to the agent to dismiss the final expense life insurance.
No doubt he had completely been outdone. How could this retiree still be persuaded even if he rips the paperwork form from the agent’s possession? His plans of a high demanding canned sales recital turns to a grinding halt. The newer agent is mum. And then finally he knows that letting a client feel being in a burial place is absolutely cold.
On this occasion with the mild light wind, the conversation adjusts to one of interactive mutual interest. The topic is fishing.. This improved topic activates passion, even if at points the vastness of trophy fish landed most certainly appeared to be expanded.
This newer agent notices how swiftly the chitchat among the two flows back & forth. Maybe securing the respect of the potential purchaser to approve of you is much more gainful than fighting disputes? Perhaps confidence evolves into being as potent as facts and results?
Closely after comes a move surprising the agent, similar to a creepy cockroach unveiled to a spotlight. The older senior citizen pulls from inside his wallet a picture of his individual grandchild. Next gently nudging the sales agent he asks, “Will you tell me of the final expense life insurance?”
The company agent holds to his very greedy wants only,. Not at any time does he inform the senior that the final expense life insurance coverage will absolutely be turned down. Still, much like a crafty rat in an infested attic, he scurries finding the insurance application. The good man even asks for being insured for the greatest amount. Not even finishing the all-important paperwork form, the trustworthy big-bellied new buyer goes into a far end passageway. Reappearing, his fist is skintight encircling a roll of cash.
Close to drooling, the agent needs this newest purchaser to merely sign the policy application. Arriving at the office later, the agent knows the final expense life insurance application is not truly guaranteed issue. Quickly he makes an unusual decision. The sales agent, very low on funds, decides to swindle the $700.00 and destroy the application form.
Two years later to the day, the senior has his bright light turn to final darkness. After the burial and coupled with grief, the grandchild finds he does not receive one dime.
Case shut… but not completely. That precise identical time, a young chronic drunk rams through the metal barrier aside a hill. Someone with identity comparable to the former agent’s likeness is at once being engulfed in glowing flames. After his instant cremation, no life insurance coverage is ever located.
Final Expense Life Insurance was written by professional insurance business writer, Donald Yerke. His writings will likely be launched right here, and published in many locations. Find important material at Agents Insurance Marketing, [http://www.agentsinsurancemarketing.com] right now. During the time there steal your complimentary personal copy of “The Science of Getting Rich,” as long as supplies last.
Private health insurance for senior citizens is very hard to come by. As you get older, it becomes more prevalent that commercial insurance companies don’t want to cover older Americans. Since the creation of Medicare, there is no incentive to cover senior citizens because most buy into the Medicare system any way. Even though this may be true, there are still some older Americans who need to buy private health insurance. So let’s take a look at some of the main reasons why getting insurance for them can be difficult.
Your Age Is a Dominant Factor.
There are a number of reasons why senior citizens can’t get health coverage. For starters, a lot of health insurance companies look at your age. When people start getting over the age of 50, they are prone to have more illnesses, they see the doctor more often, and they might have more hospital stays. So the risks of insuring an older person far outweigh the benefits. We all age so why is this such an important factor?
The Cost Of Insuring An Older Person Is High.
Due to the fact that the elderly are prone to so many conditions and will need so much care, there are many companies who consider them to be a big risk. The average hospital stay of a person over the age of 50 is longer than some one in their 20’s and 30’s. Younger people heal and recover a lot quicker then older adults so their cost per treatment is less. Insurance companies know approximately how much they have to pay out for each age group and take all these things into consideration when pricing policies.
Pre-Existing Conditions are Not Insurable.
If you have a pre-existing condition like diabetes or high blood pressure, it is most of the time not insurable. May be with the new health care reform this will change. However, what does a pre-existing condition tell an insurance company? It tells them that you may not do a good job in taking care of yourself or you have bad eating habits. So why insure someone who could have possibly prevented such conditions by not drinking, not smoking, and not overeating. This may not be fair but insurance companies are in the business of making money for their investors.
Affordability May Be A Problem.
The last thing that you will find is that many times, senior citizens can’t afford the insurance. Even if they find a company willing to insure them, many are retired and are on a limited income. The cost of premiums alone can eat up any retirement check or pension income. Many have to choose between insurance or keeping a roof over their heads.
Getting health insurance for senior citizens is still a big problem for many. Many have never paid into the social security system and are not eligible for medicare and private insurance is way too expensive. Hopefully, the new health care reform will address many of these issues otherwise what options do these seniors have.
Most of the families have to move once or twice in their life and many people experience their first move when they are senior citizen. Maybe they are living alone in a huge house and need to move to a small condo or apartment that will be easier to maintain and also easier on their health. Maybe they are moving in with their grown up children after the partner has passed away, or due to an unexpected illness. The reasons can be quite varied, but it is a fact that people, even as senior citizen, are moving regularly across cities and states.
So here are a few senior citizen moving tips that you should know in case you come across such a situation – or you might have to move as well.
Take the time to adjust to the change. Living for many years in the same house means that any move can be a big shock and news to digest. People get attached to their homes where they’ve been living their entire lives, or spending their life with their partners. Nobody moves to another place with an easy heart and this is even more relevant for elderly. Take time off and learn first to adjust to the idea before you take the big step ahead in your life.
If your parents are moving, even if they are quite old, don’t forget to involve them in the moving process. No person likes to be left outside of things, particularly if it involves them directly. And elderly are a bit more helpless than others, but that doesn’t mean they have to like it. They still feel and think just like the rest of us, even if their bodies don’t cooperate the way they would like to.
Plan and research ahead so you know how much the senior citizen will have to pay for the move. It is known that they are usually on a fixed income which is not all that big, so planning ahead and finding the best deal (without sacrificing quality) is well worth it for them. Some companies have actually discounts and offers when elderly are involved, so it might pay off to shop a bit around before settling for the next moving company. People don’t like to be out of control so they need to know at all times all the steps of the way, so don’t forget to involve them even when you are searching for companies. And if you have to go to rentals offices to discuss deals, the senior citizen will be grateful if they can tag along and feel that they are fully involved in the entire process.
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.
Monthly SING Meetings are held the first Thursday of every month at our NEW location below:
Desert Canyon - HealthSouth
9175 W. Oquendo Rd.
Las Vegas, NV 89148
- Coffee and bagels will be served
- A time to show gratitude by thanking those who have sent you referrals
- Announcements around the room
- One minute commercials
- Open Discussion on topics of Self Empowerment
* When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am