0 Aging Smart: 4 Home Buying Tips for a Better Retirement

• Retirement Planning
• Author Mary Shannon
• 09-01-2024

  Images by PxHere Aging Smart: 4 Home Buying Tips for a Better Retirement Are you planning a move as part of your retirement strategy? This may be a smart decision, especially given that many homes today are designed with the needs of the aging in mind. While some aspects of the home-buying process may seem similar to your first home purchase, many changes have occurred over the years. This is particularly true when looking for senior-friendly housing. Besides what you’ll take away from this article, there are a few additional tips from Enjoying Aging guide-to-home-buying that can help you glide through the challenges.   1. Financing A “good” credit score is crucial if financing is required for the purchase so you’ll need to start by checking your credit score. According to Barclays Bank, a reasonable score in the U.S. through the three major reporting agencies, Equifax, Experian, or Transunion, is 720 and above. There are resources available to assist you in improving your lower scores if needed but be careful of scammers when searching for help. Another consideration, if this is not a first home purchase, is the amount of equity you may have in your current dwelling. If you can sell your current home for more than you plan to spend on your senior-accessible housing then your credit may not be a concern. In many cases, you may be selling a larger home, or selling from a market with higher home values. In either situation, you could have enough money left over from the sale of your old home to cover the cost of your new home, plus upgrades. One way to reduce the price of your purchase is to look for an “as-is” property. This is a house that needs some work before it becomes move-in ready. If you plan to modify the home for accessibility anyway, then a few more upgrades shouldn’t be a problem. Do keep in mind here that you’ll want to avoid properties with significant structural damage or other major issues, like faulty systems or asbestos. Have a well-qualified home inspector give a thorough inspection of the property before making the purchase.   2. Safety and Security through a Home Management App One of the most important spaces to consider is the bathroom. A step-free shower and raised toilet are keys to staying comfortable as you grow older. Luckily, to ensure accessibility, you can chat with a plumber about your space. A home management app gives you access to how-to videos, as well as video chats with experienced professionals to give you the advice you need.   3. Choosing the Right Renovations Choosing the right renovations for your house involves a careful balance of improving functionality and enhancing aesthetic appeal. Start by identifying areas that need immediate attention, such as outdated kitchens, worn-out bathrooms, or insufficient storage spaces. Consider the long-term value of each renovation, focusing on projects that offer a good return on investment, like energy-efficient windows or a modernized kitchen. Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More Prioritize changes that align with your lifestyle needs and personal tastes, ensuring the updates not only increase your home's market value but also enhance your daily living experience. Make sure you take plenty of before and after photos, and save copies of all receipts, to keep your accountant happy come tax time!       4. Quality Of Life Your quality of life is important and likely one of the main reasons you’re planning to buy a new property. With this in mind, make sure that your new home is either already accessible or can be modified when the time comes. Things like grab bars, ramps, and motion lights are key safety features to help you maintain your independence. You can also consider installing wider doorways and changing out difficult-to-turn doorknobs. The following is a list of recommendations that were found with a quick Google search. Check with your contractor to determine what is best for you, complies with local building codes, and offers the most ROI (return on investment). You should have no trouble finding a local contractor that can help you adapt your home to meet your needs. Bathroom Modifications Install grab bars Walk-In Tubs Install Higher Toilets Replace Faucets Lower Kitchen Countertops Install A Stair Lift Install Wheelchair Ramps Declutter Install appropriate flooring Medical Alert Systems Smart Home Systems Add Night Lights Install An Automatic Door Solution Lamps In Living Room Easy On-Off Light Switches Replace Knobs With Levers Widen Doorways   Summary Moving to accommodate your changing needs as an older adult is a smart choice. You can save money while ensuring your prolonged independence. Before you get started, consult with a realtor who specializes in working with seniors, and look for ways to make your move affordable so that you can get into a home and location that’s right for you at any age.   Enjoying Aging is here to help you make the most of the aging process. We look forward to hearing from you!   A special thank you to Mary Shannon at SeniorsMeet.org for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 Striking a Balance: 7 Tips for Caregivers of Seniors to Manage Work and Life

• Mental Health
• Author Mary Shannon
• 07-27-2024

Images by Freepik & Pexels Striking a Balance: 7 Tips for Caregivers of Seniors to Manage Work and Life Caring for an elderly loved one while managing a career and personal life can feel like a juggling act that never ends. You might often find yourself torn between responsibilities, needing help to meet the needs of your senior relative, keeping up with professional demands, and carving out time for yourself. However, finding a balance that respects your personal goals, career aspirations, and the precious relationships that make life worth living is possible. Follow Enjoying Aging for more on this very important topic.   1. Establish Your Boundaries Setting clear boundaries is crucial in maintaining your sanity as a caregiver. Defining what you can do in your caregiving role and communicating these limits to family, friends, and colleagues is essential. For instance, you might decide not to answer work calls during the evenings dedicated to family time. Establishing these boundaries allows you to manage your time and responsibilities without overstretching, ensuring you remain effective and stress-free across all areas of your life.   2. Keep Your Career Goals in Mind Even as you attend to caregiving duties, keeping sight of your career objectives is vital. Don’t let your professional aspirations take a backseat. Set specific career goals and work toward them systematically. For example, you might target particular skills enhancements or promotions within your job. Focusing on your career reinforces your professional identity and ensures continuous personal growth, which is crucial to feeling fulfilled and balanced.     3. Advancing Your Career Through Online Education Obtaining a degree online can significantly improve your career opportunities. Pursuing a Master of Science in Nursing (MSN) can lead to careers in nursing informatics, advanced practice, education, or administration. This level of schooling enhances your professional skills. Online study lets you manage caregiving responsibilities while continuing your education. Gaining an MSN degree online means you can take on more fulfilling and broader roles in the healthcare field. These courses may also help you learn more about the issues your loved one is experiencing and better prepare you to meet their needs.   4. Nurture Relationships with Friends and Family Don’t overlook the importance of maintaining strong connections with friends and family. These relationships provide emotional support that is crucial for your well-being. Prioritize spending quality time with loved ones, a quick coffee meeting or a phone call can make a huge difference. These moments of connection can provide significant relief from the pressures of caregiving and work, replenishing your energy and spirit. Friends and family can also be one of your greatest assets. You never know when an emergency might arise and you need someone you can count on to step in and help out while you work through it.   Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More   5. Learn to Say No One of the most empowering words in your vocabulary as a caregiver can be “no.” It’s essential to recognize that you can’t do everything for everyone. Saying no to requests that are too demanding or that conflict with your priorities is not only okay, it’s necessary for your health and well-being. This doesn’t mean you are letting people down; instead, you are setting realistic expectations about what you can manage, which is vital for maintaining balance. People usually understand what you are dealing with and will respect you more for keeping your responsibilities. True friends will never ask more of you than you can handle and will still be your friend even if you have to refuse their request from time to time. This doesn’t mean you can never say yes, only that you are managing your life on your terms.   6. Celebrate Small Victories In the world of caregiving and work, every little success counts. Whether it’s a slight improvement in your loved one’s health or a positive review at work, take time to celebrate these achievements. These moments of joy contribute to a sense of accomplishment and can significantly boost your morale. Acknowledging and celebrating small victories helps you maintain a positive outlook, even on more challenging days.   7. Plan for the Future Planning reduces the stress you can experience from juggling caregiving and other responsibilities. Consider your future needs and those of the person you are caring for. Address financial planning to secure your financial well-being. Explore healthcare arrangements to ensure continuous care. Reflect on your career trajectory to maintain professional growth. Remember, you don’t have to do this alone; there are plenty of resources available to assist you in all phases of your journey so use them. Having a structured plan brings peace of mind and boosts your confidence in managing the complexities of your roles. As you tackle the challenges of balancing work, caregiving, and personal life, remember that this balance is essential for your happiness and effectiveness. Set clear boundaries to manage your roles efficiently. Continuously pursue career growth to ensure personal and professional fulfillment. Keep nurturing your relationships; they are your support network. By planning, you can navigate life's demands more smoothly and create a fulfilling existence.   A special thank you to Mary Shannon at SeniorsMeet.org for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.

0 Protecting the Elderly: 8 Measures to Guard Against Financial Abuse

• Retirement Planning
• Author Mary Shannon
• 04-29-2024

  Images by Freepik Protecting the Elderly: 8 Measures to Guard Against Financial Abuse As we age, safeguarding our financial well-being becomes as critical as maintaining our physical health. The risk of financial exploitation increases, making it essential to adopt preventive measures. Implementing strategic practices can help us protect our assets and ensure our financial stability for years to come. Staying proactive and informed about our financial situation is vital to controlling our resources as we age. Enjoying Aging/Financial-resources shares more:   1. Rely on Professional Financial Guidance Consider engaging with a financial advisor who understands your needs and can offer personalized advice. A professional can help you manage your investments and assets, ensuring they align with your plans. Finding the right partnership can act as a safeguard, helping you make informed decisions and avoid costly mistakes. Regular consultations with your financial advisor can provide peace of mind and a secure financial foundation. It is never too late to talk with a financial advisor. Many people think financial advice is for young people just starting out in life. In reality, it is later in life when we have built up assets like, home equity, retirement funds, paid-off vehicles, and accumulated savings, that we need help managing those assets. There is nothing worse than working and saving for all those years and then losing it all when you need it the most.   2. Secure Your Income Through Direct Deposit Set up direct deposits for regular payments, such as Social Security benefits or pension funds, to minimize the risk of theft or loss. This method ensures that your money reaches you safely and guarantees you receive your funds on time, every time. By eliminating the need to deposit checks physically, you gain convenience and reduce the risk of fraud. Direct deposit is a straightforward step that provides significant security benefits. With direct deposits you know when your funds will arrive allowing you to plan a budget. A good idea is to place as many of your bills as possible on automatic debit. Work with your Mortgage Company, creditors, utilities, banks, etc. to schedule each payment a few days after your funds have been deposited. This way all you have to do is review your bills and bank statements for accuracy. With your deposits and payments set on auto-pilot, you cancel the need for costly checks and eliminate any temptations of theft from caregivers.     Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More 3. Monitor Your Financial Transactions One simple yet effective strategy is to review your bank statements regularly. Early detection of unauthorized transactions can be the key to preventing significant financial losses. Make it a habit to scrutinize your monthly statements; this vigilance ensures you can act quickly if something isn't right. Regular monitoring also helps maintain a clear picture of your financial situation and spot trends that may require attention.   4. Enhance Your Digital Security Enhance your digital security with strong, unique passwords for all your online accounts. Regularly updating your passwords and using two-factor authentication where possible can significantly decrease the risk of unauthorized access and protect your personal information from cyber threats. Avoid using easily guessable passwords and consider a password manager to track your login credentials. Never store your passwords in a file on your computer as a way of remembering them. Write your user IDs and passwords on a sheet of paper and store them in a secure location. This added layer of security helps safeguard your online presence from potential intruders looking to hack into your computer and steal your identity.   5. Steer Clear of Phone Scams Phone scams can be tricky, but you can avoid them by being mindful of how often they happen and viewing every call as a potential threat. If you receive a call from an unfamiliar number, try using a reverse phone number lookup service. This service lets you input a phone number to access detailed information about the caller, such as their name and location. This is particularly useful for identifying unknown callers, screening telemarketing calls, or verifying identities — which can enhance your security. A good rule is to never give your personal, bank, or credit card information to anyone over the phone, but especially never provide this information to someone who called you. If you initiated the call then you can be fairly certain you are speaking with a true representative of that company. You can never know if the person calling you is truly from the company they claim to be calling from. Always question incoming calls!   6. Guard Your Personal Information Be cautious about sharing your personal and financial information. Whether you are online or answering calls, always verify the identity of the person or organization requesting your details. Protecting this information prevents identity theft and unauthorized access to your accounts. Make it a practice to question any unusual or unexpected requests for sensitive data.   7. Arm Yourself with Knowledge of Scams Awareness is your best defense against scams. Take the time to educate yourself about the different tactics scammers use, especially those targeting seniors. Understanding these schemes will empower you to spot red flags and proactively protect your finances. Updating your knowledge on these issues can dramatically increase your ability to secure your assets and avoid becoming a victim. The following is a list of scams to watch out for according to a Google search: Grandparent scams Sweepstakes scams Tech support scams Romance scams Internet scams Funeral scams Medicare scams Charitable organization Investment scams Government impersonation scams Mortgage fraud Telemarketing Cryptocurrency fraud Phishing Health care scams IRS scam Reverse mortgage scams Counterfeit prescription drugs Online shopping Account takeover scams Caregiver scams Check fraud Common elderly scams Elder financial abuse   8. Stay Connected to Reduce Isolation Isolation can increase your vulnerability to financial abuse. Too often older adults living alone will talk with the wrong people just to have someone to connect with. Maintaining strong connections with family, friends, and community groups can provide a protective network and emotional support. These relationships can help you stay informed and vigilant about potential risks. Engage regularly with your social circle to ensure you have a support system that can act promptly if issues arise.   Summary Taking proactive steps to protect your financial interests is crucial as you navigate your senior years. By staying informed, connected, and vigilant, you can significantly reduce the risk of becoming a victim of financial exploitation. Remember, your financial security is integral to your independence and quality of life; safeguard it with the diligence it deserves. Empower yourself with the right tools and knowledge to control your financial future and ensure successful aging.   Find more helpful content at Enjoying Aging/Financial-resources!   A special thank you to Mary Shannon at SeniorsMeet.org for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 How to save on Medical Expenses

• Health Care
• Author Rob Harris
• 03-15-2024

  Images by Freepik How to save on Medical Expenses Most consumers have learned from personal experience that healthcare costs are steadily increasing, leaving us with higher out-of-pocket costs. Here are a few ways to save money on healthcare-related expenses. By spending a little time learning how to reduce your healthcare expenses you can make a significant difference in reducing your out-of-pocket costs.   The cost of prescription drugs is continually escalating Ask your physician about splitting a higher-dosage pill in half. The difference in cost of the higher-dosage pill is usually minimal and you may come close to receiving two pills for the price of one. This could be the best two-for-one deal around. Ask your physician for free samples to test a medication's effectiveness. It is possible that your body may not be able to tolerate a new medication and it's better to try the samples before purchasing an entire month's supply. When you need a prescription filled, call your local Pharmacies to see who offers the lowest price for the medication you need. Many consumers don't realize that Pharmacies set their own medication pricing. Discuss receiving a generic equivalent with your physician or pharmacist. You can save as much as 40% to 60% by choosing a generic drug instead of a name-brand prescription. Purchasing a store brand (instead of a name brand) of an over-the-counter medication can easily save a consumer over $100 a year. Many drugs have similar over-the-counter alternatives (no prescription needed) that will save you money. You may find your best deals online but you should make sure the website is legitimate. Reputable online pharmacies should carry the seal of Verified Internet Pharmacy Practice Sites (VIPPS) and/or the National Association of Boards of Pharmacy (NABP). This means that the online pharmacy complies with licensing and inspection requirements for their state and the states in which they distribute pharmaceuticals.   Prescription Price-Saving Apps Check into Prescription Savings Plans such as Good RX, SingleCare, WellRx, or BlinkHealth for their price cuts compared to suggested retail prices. Most of these plans offer free home delivery, work with 30 to 70 thousand pharmacies nationwide, and can save you up to 80% off your prescription drugs, including some pet meds. Be sure to take all of your medication as prescribed – even if you start to feel better – as a relapse could occur and a return visit to your doctor may be needed.   Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More Visit a retail health clinic when possible These healthcare clinics are located in many retail stores, pharmacies, and grocery stores throughout the United States. They offer limited services but are perfect for treating common illnesses, infections, and skin conditions and many also offer vaccination services. These clinics are fast and inexpensive. Urgent Care facilities and hospital emergency rooms have a large cost associated with their services. Even for those who have medical coverage, an insurance co-pay is usually much higher for an Emergency Room visit than for a clinic or physician's office visit.     Negotiate the cost of your healthcare services. A poll conducted by Harris Interactive found that about 66% of adults who tried to negotiate their charges with a hospital or a dentist were successful and about 60% were successful when negotiating with a physician. You have nothing to lose by asking for a discount.   It is very important for patients to follow doctor's orders. Studies indicate that about 10% of hospital confinements are a direct result of patients not following their physician's instructions.   Keep a log of medical services provided to you. This is especially important if you are hospitalized. Always ask for an itemized bill and compare it to your log. It has been found that more than 50% of hospital bills have some type of billing error. Also remember, you may be able to deduct medical, dental, and vision expenses on your Tax Return.   Knowledge + Awareness = Lower Healthcare Costs     If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 Live Your Best Life: A Guide to Healthy Senior Living

• Health and Wellness
• Author Suzanne Tanner
• 01-19-2024

   Images by Freepik and Pexels Live Your Best Life: A Guide to Healthy Senior Living In the golden years of your life, your health takes center stage. Healthy living isn't just a choice; it's a necessity to ensure a fulfilling and vibrant life as a senior. In this Enjoying Aging guide, we will explore key practices that will help you embrace the joys of aging gracefully while maintaining your health and well-being. From staying hydrated to nurturing social connections, each of these practices will empower you to make the most of your senior years.   Stay Hydrated for Optimal Health Staying hydrated is a foundational pillar of senior health. As we age, our bodies become less efficient at retaining water, making dehydration a concern. To remedy this, make a conscious effort to drink an adequate amount of water daily. Carry a reusable water bottle with you to remind yourself to sip throughout the day. Proper hydration can aid digestion and keep your energy levels up. An unfortunate, but common problem for seniors is constipation. The two best methods of combating constipation are sufficient hydration and gravity. Staying upright and keeping active aides in the process as water lubricates your insides allowing gravity to pass things through the body. Studies have shown that headaches and memory loss are also a result of prolonged dehydration. Water acts as a cleaner helping to detoxify the entire body from head to toe as we sweat. Without replenishing that supply we can cause serious health risks and even hospitalization.     Reducing Alcohol Consumption: Seek Help If Needed Reducing alcohol consumption is a significant step towards better health and well-being. For those struggling to achieve sobriety independently, entering a rehab center can be a life-changing decision. It's essential to conduct thorough research on potential rehab centers, focusing on the types of treatment offered, their credentials and certifications, and reviews from previous patients. Additionally, if financial concerns are a barrier, many facilities provide free treatment services through Medicaid or local health programs, and assistance can be sought for help locating available treatment.   Quitting Smoking for a Healthier Future If you're still a smoker in your senior years, quitting is one of the most impactful choices you can make for your health. Smoking is a leading cause of preventable diseases and can Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More   severely impact your quality of life as you age. Seek professional help or join support groups to increase your chances of quitting. Your lungs and heart will thank you, and you'll experience improved overall health.   Prioritize Quality Sleep Quality sleep is essential for seniors. It plays a vital role in maintaining physical and mental well-being. To improve your sleep hygiene, establish a regular sleep schedule and create a comfortable sleep environment. Limit caffeine and screen time close to bedtime, and consider relaxation techniques such as meditation or gentle yoga. Adequate sleep can enhance memory, mood, and overall vitality.   Walk for Physical and Mental Health Walking is a simple yet highly effective exercise for seniors. It is low-impact, accessible, and offers numerous health benefits. Aim for at least 30 minutes of brisk walking most days of the week to improve cardiovascular health, maintain a healthy weight, and boost mental clarity. If your neighborhood lacks pedestrian-friendly features, consider relocating to an area with a high Walk Score of 70 or above to make it easier to achieve your daily steps.   Nurture Social Connections Socializing is vital for emotional well-being, especially in your senior years. Engage in community activities, join clubs, or explore volunteer opportunities to maintain social connections. This approach helps combat loneliness, reduce stress, and contribute to a positive outlook on life. Building and maintaining relationships with friends, family, and peers can lead to a happier and more fulfilling senior life, enriching your overall well-being.   As you embark on the journey of senior living, remember that your health is your most valuable asset. By following these essential practices—staying hydrated, reducing alcohol consumption, and nurturing social connections—you can ensure a vibrant and fulfilling life in your golden years. It's not just about adding years to your life; it's about adding life to your years. Embrace these practices with determination and purpose, and savor the joys of aging gracefully.   Embark on a journey of wellness and fulfillment with Enjoying Aging! Discover a treasure trove of resources tailored for the Fun After 50 crowd, from health and wellness tips to retirement planning and engaging activities. Start your adventure today at Enjoying Aging and redefine the art of aging gracefully.   A special thank you to Suzanne Tanner at AbleSafety.org for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 Constructing a Financial Cushion for Your Retirement and Health Needs

• Retirement Planning
• Author Mary Shannon
• 11-16-2023

  Image by Freepik Constructing a Financial Cushion for Your Retirement and Health Needs Navigating the complexities of financial planning for retirement and healthcare can be overwhelming. With the growing concerns over the future viability of Social Security and Medicare, individuals must be proactive in securing their financial future. This article from Enjoying Aging delves more deeply into strategies you can use to craft a financial safety net tailored to your specific retirement and healthcare needs.   Invest in Long-Term Care Coverage One of the most crucial steps you can take is to invest in disability and long-term care insurance policies. These insurance options are like financial safety nets that come into play when you face unexpected health challenges or disabilities. Disability insurance can replace a portion of your income if you become unable to work, while long-term care insurance can cover the costs associated with extended healthcare needs. Acquiring these policies early can save you from future financial strain and give you peace of mind.   Go Back to School One of the biggest ways to broaden your career options and prepare for the future is by going back to school. There are plenty of degree options, as well. For instance, a degree in human resources could help you focus on effectively managing the workforce, whether you decide to start your own business or go and work in the HR department of an existing company.   Make Smart Investment Choices A well-developed investment portfolio is instrumental in ensuring a comfortable and financially secure retirement. Diversification is the key to balancing risk and return, so make sure to spread your investments across different asset classes like stocks, bonds, real estate, gold, and silver. But don't go it alone; instead, seek advice from investment professionals who can guide you in making wise choices tailored to your financial objectives.   Opt for Deferred Social Security Benefits One effective strategy to increase your Social Security benefits is to delay the time at which you start receiving them. Opting to wait until after your full retirement age can significantly raise your monthly payments. This approach can be an excellent long-term strategy for maximizing your financial safety net.   Establish an Emergency Fund An emergency fund acts as a financial buffer, safeguarding your retirement savings from sudden, unplanned expenses like home repairs or medical bills. Having this fund in place provides financial security, ensuring that you won't have to dip into your retirement savings or go into debt for immediate needs.     Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More   Cultivate Everyday Savings Habits There's an old saying that 'A penny saved is a penny earned.' Frugality doesn't mean sacrificing quality of life; it's about making smart choices. Look for areas where you can cut back without affecting your lifestyle dramatically. Whether it's switching to a cheaper grocery store or renegotiating your insurance rates, small savings can add up and significantly contribute to your retirement and healthcare funds. In times of uncertainty surrounding the stability of social welfare programs, being proactive about your retirement and healthcare planning is not just advisable – it's essential. Implementing these strategies can go a long way in securing your financial health, allowing you to live out your retirement years with fewer worries and more comfort.   A special thank you to Mary Shannon at SeniorsMeet.org for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 Harmonizing Hearts: Essential Tips for Seniors Embarking on a Journey of Marriage

• Enjoying Senior Life
• Author Mary Shannon
• 11-09-2023

  Image by Pexels Harmonizing Hearts: Essential Tips for Seniors Embarking on a Journey of Marriage Embarking on a journey of marriage and companionship can be especially wonderful in your golden years. As seniors, you have a lifetime of experiences to bring to the table, and building a life together at this stage can be immensely rewarding. This chapter offers the chance to create a tapestry woven with the threads of your individual histories, crafting a unique and harmonious future. From finding the right home to exploring financial strategies and enhancing your lifestyle, here's a concise guide from Enjoying Aging to help you navigate this exciting phase of life.   Key Considerations in Your Home Search Begin by finding a home that suits both your needs and your preferences. Consider factors like location, accessibility, and the potential for future care. A comfortable living space forms the foundation of your shared journey, reflecting your unique tastes and providing a haven of tranquility. As you search for the perfect home, think about proximity to family and friends and accessibility to medical facilities and other essential services. A well-chosen home can provide the comfort and security you both deserve as you embark on this new chapter together, enveloping you in a sense of belonging and warmth.     Prioritizing High-ROI Renovations If you decide to update your home, focus on renovations that can increase its value. Prioritize projects like modernizing the kitchen or improving energy efficiency, as these upgrades have the potential to significantly enhance your daily life. Enhancing your living space adds value and makes it more enjoyable, transforming your house into a sanctuary of comfort and style. Investing in renovations that improve both functionality and aesthetics can contribute to your overall well-being and create a space that reflects your shared tastes and preferences, breathing life into your home's ambiance. Moreover, a well-maintained and updated home is not only a source of pride but can also provide financial security in the long run, ensuring that your investment continues to yield benefits over time.   Start (and Market) a Business If you're looking for a way to supplement your income, starting a side hustle might be just the thing – perhaps even in the area of house-flipping! One of the first things you'll need to do is choose a business structure. Many entrepreneurs opt for a limited liability company because of the legal liability protections and tax benefits that go along with it. You'll also want to draft a business plan to provide the vision and guidance every business needs. Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More Next, it's time to start planning that marketing campaign! Especially for house-flipping, printing up brochures and spreading the word via social media can be very helpful. You might also want to supplement these efforts with something more unique, though – something to make you stand out from the competition. A text logo is a great option, and you can generate one yourself for free using online tools. From there, you can include your new logo on any brochures, emails, or newsletters that you put out.   Building a Strong Financial Foundation Open communication is key when merging financial lives. Create a joint budget, address any outstanding debts, and align your financial goals. This approach ensures a stable and secure future together, fostering trust and understanding in your partnership. Discuss your individual financial situations openly and honestly, and work together to create a comprehensive budget that considers both your income and expenses, allowing you to make informed decisions and allocate resources efficiently. Address any debts or financial obligations to start your new life together on solid financial footing, building a strong foundation for the years ahead. By setting clear financial goals and managing your resources wisely, you'll be able to enjoy your golden years with peace of mind, focusing on what truly matters without unnecessary financial stress.   Navigating Your Healthcare Coverage Research and understand Medicare coverage options. Determine whether separate or combined plans work best for your healthcare needs. Making informed decisions about healthcare coverage is vital for your well-being, safeguarding your health and financial stability. Medicare can be complex, so take the time to research and compare the different plans available, seeking expert advice if needed. Consider your individual healthcare needs and preferences, and decide whether you'll benefit more from separate plans or a joint approach, tailoring your coverage to suit your unique requirements. By choosing the right Medicare coverage, you'll ensure that your healthcare needs are met while minimizing potential out-of-pocket expenses, allowing you to enjoy your golden years with a sense of security and comfort.   Optimal Tax Strategies Update your tax filing status and Social Security information to reflect your marital status accurately. Consult a financial advisor if necessary to optimize your tax benefits and retirement income. Marriage can have implications for your tax status and Social Security benefits, so update your records with the appropriate authorities to avoid any discrepancies. To navigate this process seamlessly, seek guidance from a financial advisor who specializes in retirement planning. They can help you make the most of the available tax benefits and ensure that your Social Security strategy aligns with your shared goals, allowing you to reap the rewards of your careful planning throughout your golden years.   Embracing Travel in Your Golden Years Embrace the opportunity to explore new destinations together. Plan trips that align with your interests and physical capabilities. Traveling not only strengthens your bond but also creates lasting memories. Traveling during your golden years can be a fulfilling and enriching experience, offering a chance to savor newfound freedom and the joy of discovery. Choose destinations and activities that cater to both your interests and physical abilities. Whether it's a relaxing beach vacation or an adventurous cultural expedition, exploring new places together can rejuvenate your spirits and create cherished memories that you'll treasure, becoming a vibrant tapestry woven with the threads of your shared experiences.   Exploring Joint Business Ventures Consider embarking on a joint business venture as a way to spend more time together and supplement your income. Ideas like consulting, pet care, tutoring, or writing capitalize on your skills and passions. If you're looking for ways to stay engaged and supplement your retirement income, starting a joint business venture can be fulfilling. Leverage your skills, expertise, and passions to explore business ideas that align with your interests. Whether you choose to provide consulting services, pet care, or even pursue a creative endeavor like writing, working together can bring a new sense of purpose and accomplishment to your golden years. Entering into marriage and life together during your golden years opens up a world of possibilities. From finding the perfect home to making financial decisions and embarking on new adventures, this phase of life offers a chance to deepen your bond and create meaningful memories. With a little planning, you can more confidently navigate this exciting chapter of your life. As you embrace the opportunities that come your way, remember that your shared experiences and the love you've cultivated over the years are the true treasures that will make this phase of life truly golden.     A special thank you to Mary Shannon at SeniorsMeet.org for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 How to Build a Business to Provide Senior Care Services

• Retirement Planning
• Author Sharon Wagner
• 07-05-2023

  How to Build a Business to Provide Senior Care Services The demand for senior care continues to grow, and with it so does the need for senior caregivers. As we reach retirement age we are often tasked with the care of an aging parent, family member, or friend. For those of us with an entrepreneurial spirit, it is easy to see the potential for starting a new business providing these services. Providing senior caregiver services can be a rewarding venture that helps fill a critical need in society. Starting a business that provides senior caregiver support or services requires careful planning, hard work, and dedication. Here are some tips on how to get started, and succeed, presented by Enjoying Aging.   Conducting Market Research Before starting any business, it's essential to conduct thorough market research to identify the needs of your target audience. Seniors have unique needs that vary depending on their location, socioeconomic status, and cultural background. Conduct surveys, focus groups, and interviews with seniors to understand their needs, preferences, and pain points. Use this information to design services that meet their unique needs and distinguish your business from competitors.   Build a Supportive Team Your team is the backbone of your business, so it's crucial to build a team of qualified professionals who are passionate about supporting seniors. Hire individuals who have experience in senior care or caregiving and are empathetic, compassionate, and patient. Ensure that they are trained in the latest techniques and equipment and have access to the resources necessary to provide quality care to your clients.     Develop a Marketing Strategy Developing a robust marketing strategy is crucial to attract clients and grow your business. Target seniors and their loved ones through online and offline marketing channels. Consider using social media platforms like Facebook or X to reach out to potential clients. Attend local events, community meetings, and health fairs to promote your business. Offer free consultations to prospective clients to create a positive impression and establish trust.   The Power of Branding Creating a memorable logo is an essential aspect of building a successful brand. A logo can help differentiate your business from competitors and make a lasting impression on your clients. When designing a logo, it's crucial to choose Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More colors that elicit positive feelings and emotions. Colors such as blue for trust, green for growth, and yellow for happiness can convey a range of emotions and help communicate your brand's values and personality. Consider this option when designing your logo, as the right choice of colors can make a significant impact on how potential clients perceive your business. A memorable logo with the right colors can build brand recognition, establish credibility, and help create a lasting impression on your audience.   Collaborative Care Collaborating with other businesses and organizations that serve seniors and their caregivers can help expand your reach and provide more comprehensive care to your clients. Develop relationships with nursing homes, assisted living facilities, hospitals, and home health agencies. Offer your services to these organizations and work together to provide the best possible care to seniors and their caregivers.   Offer a Range of Services Seniors have diverse needs, so it is essential to offer a variety of services that meet those needs. Provide services such as meal preparation, transportation, housekeeping, and medication management. Offer respite care to give family caregivers a break or provide 24-hour care for those who need it. Ensure that your services are customizable and flexible, allowing clients to choose services that meet their unique needs.   Flexibility Matters Allow clients to choose the frequency and duration of services. Customize services based on their needs and preferences. Be responsive to their requests and ensure that your services are tailored to their unique circumstances. Be mindful that your staff of senior caregivers also have busy lives, so offering flexible scheduling can make a big difference to your employees. Hire enough caregivers to meet the demands of your clients without overworking your team.   Proper Funding Building a business is one of the most fulfilling and rewarding endeavors a person can achieve in their life. As an entrepreneur, you embrace a special calling that requires more from you than that of the employee. As the owner and operator of a company that employs other people, you take on a greater responsibility. It is up to you to make sure that business succeeds, not just for you and your family's sake but also for all those who depend on you. During your research to determine the feasibility of the business you are planning, you probably came across some statistics that show that 90 percent of all startup businesses fail within the first year. While this is true, it is also true that those businesses didn't fail due to a lack of effort by the business owner. Despite your hard work and good intentions, if you start a business without enough capital to see you through the first year while you are building your customer base, you are greatly reducing your chances of success. This article touches on some of the important aspects of starting a business but it does not go into detail about all the costs associated with running the business. Many expenses can be calculated during the planning phase, but there are also a lot of hidden fees that you couldn't foresee. Make sure you have the capital funding put aside to cover your startup costs, your marketing and advertising costs, and your personal expenses for the first year. Then add 10-20 percent to that for all the hidden and unforeseen costs that come up during the year to ensure you have the funds available to guarantee your success.   In Conclusion Starting a business providing support services to families with seniors can be a profitable and fulfilling venture. By conducting market research, building a qualified team, developing a marketing strategy, creating a memorable logo, partnering with other businesses, offering a variety of services, providing flexible scheduling, and having proper funding, you can build a successful and impactful business that makes a difference in the lives of seniors and their caregivers.   A special thank you to Sharon Wagner at seniorfriendly.info for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 7 Crucial Self-Care Practices for Overwhelmed Caregivers

• Mental Health
• Author Sharon Wagner
• 05-28-2023

  7 Crucial Self-Care Practices for Overwhelmed Caregivers Providing care for another person is one of the most important responsibilities you can have. Caring for others can give you a sense of pride and accomplishment but sadly, as Today's Caregiver notes, the weight of the duties can deteriorate a caregiver's health. The stress and burden of caring for a sick or aging loved one can be emotionally, mentally, and physically exhausting. This can lead to a caregiver feeling alone and unappreciated and the longer it goes unchecked the worse it can get. If you've recently become a caregiver, use these suggestions from Enjoying Aging for ways to refresh yourself and fulfill your obligations with joy.   Maintaining a Regular Exercise Routine You can't give your best to your loved one when your health falters. Keep your energy levels high and your spirit rejuvenated by staying physically active. You may not be able to make room for a workout every day, but doing little things like taking the stairs instead of the elevator can help you stay in good shape. Lunch breaks are an excellent time to take a walk or a quick jog to get your blood flowing. Meditation is one of the best forms of stress relief and it can be performed almost anywhere. Put together a small bag with a squeeze ball, an elastic rope, small hand weights, etc., and keep it with you so you can exercise whenever you get a moment of free time.   Adapting the Home for Ease of Care Keep the caregiving environment bright, open, and serene to preserve your emotional well-being. PureWow points out that a few mirrors can make rooms feel more spacious and reflect more light. Clearing untidy or cluttered areas makes finding things easier and lowers your stress level. Add a few houseplants to the home. Plants have a calming effect and help keep you in a nurturing mindset.     Make Sure You Get Enough Sleep Practicing sound self-care starts with getting adequate sleep. Quality sleep ensures that your overall well-being is at an optimal level, which includes physical as well as mental health. If you have yet to do so, start a bedtime routine that includes relaxing activities like taking a warm bath, reading a book, and turning off the electronics. Also, set up your bedroom for optimal sleep with comfortable linens and other appealing options like artist-inspired all-cotton duvet covers. Look into soothing colors and calm patterns to set the stage for a good night's rest. Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More   Joining a Support Group Commiserating with others who understand and recognize your struggles is an excellent way to get a load off your heart and mind. Online support groups offer the opportunity to share your feelings when exasperated. Imparting lessons you've learned with others helps you reflect on the good you've accomplished and gain a sense of pride in your valuable work as a caregiver. Look into therapy the moment you feel you're reaching a breaking point and other practical self-care tips aren't working. They say charity begins at home; and what better place to look for comfort and support than your family and friends? Often, all that is needed in the short term is an attentive listener or someone who has been through what you are experiencing. If you are not getting what you need at home most churches or local communities offer resources for help and you can usually find others there that are going through similar situations. In more extreme cases you may need to seek professional help but that is nothing to be ashamed of so don't convince yourself it will be alright when it really won't. They are called professionals for a reason and you should take advantage of the help they provide.   Simplifying Your Life You have the same 168 hours a week as everyone else, so avoid trying to cram activities into every minute. Acknowledge that you won't have the time and circumstances to do what others in your peer group can. If you're like a lot of people you hate to say no to someone who cared enough to extend an invitation for dinner or a party. Learn to respectfully turn down invitations and requests that will only overwhelm you in the end. Where possible, automate tasks like bill payments and hire someone to clean the house or do the lawn. Self-Discipline and focus are the keys to success and if you are going to make major changes in your life so you can achieve your goals of simplification start by learning those two things first.   Taking Breathers Find 10 to 15 minutes every couple of hours or so to take a break from your duties and refresh. A quick walk around the block or breathing exercises can recenter you and calm any feelings of anxiety. Don't leave breaks to chance. Schedule a bit of downtime and let it be known, respectfully, that you're briefly unavailable.   Finding Professional Help The moment may come when your loved one needs more help than you can offer, such as round-the-clock care. Humbly realize the benefits of an assisted living community. An on-call nursing staff means you never have to worry about your relative being without assistance during an emergency. You can prosper mentally, emotionally, and physically while assisting a loved one. Carve out time to employ these ideas to preserve balance in your life.   A special thank you to Sharon Wagner at seniorfriendly.info for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.  

0 Useful Apps and Technology to Assist Seniors

• Enjoying Senior Life
• Author Lydia Chan
• 05-12-2023

Image by Pixabay Useful Apps and Technology to Assist Seniors With life expectancy across the United States now averaging around 79 years, American seniors have plenty of extra time to enjoy an active lifestyle. Even those with memory or mobility issues can remain independent by utilizing technology. Read on for some helpful tips, courtesy of Enjoying Aging.   Where to Begin How you use technology depends on your personal situation. If your goal is to remain in your home for as long as possible without moving in with your adult children or assisted living, consider looking into security systems that offer features to suit your lifestyle. For instance, if mobility is a concern, a system with a camera at the door and a remote electronic lock will help you see who's come to call without jumping up at every knock. You'll be using a tablet or other smart device to pull all your apps together, including apps that help you watch your budget and track your retirement planning. Your life and the future have never been easier to access and plan. Often, if you're juggling multiple PDF files, it can get pretty tough to stay organized and find what you need. Luckily, you can use this free merging tool that allows you to conveniently combine your files.   Make Your Home Smarter Today's WiFi-enabled smart home technology will allow you to do everything from monitor energy usage and check the weather to turn appliances on and off and make phone calls from anywhere in your home using your voice. Amazon's newest feature for the Echo smart home hub is the ability to call virtually any landline or mobile phone just by asking Alexa (the 'name' of the cloud) to do so. PCMAG reports that an additional device enables you to use your Echo as a speaker for your home phone.     Wear Yourself Safe Wearable technology can help you and your loved ones track your movement and whereabouts, set medication reminders, and make emergency calls on your behalf. Most devices are wearable in the form of a watch or lanyard and are relatively unobtrusive. If you are adamant about living on your own, you may be able to strike a compromise with your ever-worried offspring by adopting technology that can be by your side when they can't.   Prepare for Assisted Living If you've decided to leave your home but you're not ready to relegate yourself to full-time nursing care, consider assisted living. An assisted living center can provide all the comforts with none of the hassles associated with living in a single-family dwelling.   Enjoying Senior Living Find a Senior Living Facility Near You. Click On Your State To View Listings in Your Area. Find a Community Near You Content Marketing Offers the Highest Return On Investment Online, or content marketing and advertising, is currently the second-highest method of promoting businesses following only Television which, for now, remains in the number one position. Experts have predicted that digital ads will surpass TV by 2025 and not look back. For cost-effectiveness, and the ability to directly target your audience, nothing matches the ROI of digital marketing. Learn More Digital Marketing Offers Three Opportunities To Reach Your Audience Studies show that the majority of people will use their phones to search for content that addresses their current needs and then switch to their computers for more in-depth research before making final decisions or purchases. With three different platforms, computers, tablets, and phones, it is important to make sure your audience can follow your content and ads on any device. The upside to this is you have three opportunities to reach them. All of our Websites are developed to work flawlessly on all three platforms. Learn More Services offered by most living facilities include on-site dining, a diverse activities list, housekeeping, transportation, apartment maintenance, and help with daily living tasks such as personal hygiene and housekeeping. Many offer multiple floor plans allowing you to suit your situation to your specific wants and needs. Choosing your layout early allows you to downsize and declutter, which will ensure a smooth transition to your new home or flat.   Budgeting As a senior, there's a good chance you are on a limited income. This means you'll have to get your budget just right regardless of whether you choose to stay at home or move to a supervised campus. Get the most out of your investment by doing your research ahead of time. Don't be afraid to ask about price flexibility or move-in incentives. Consider location as well. Campuses near the city are likely to be more expensive than similar locations a few miles down the road. Whether you choose to stay at home or enter assisted living, there are plenty of ways you can use technology to help manage your finances, streamline your record-keeping, provide peace of mind while securing your home, and generally make things easier for yourself and your loved ones.   Enjoying Aging is here to help put the fun back into aging. If you have any questions, we'd love to hear from you!   A special thank you to Lydia Chan at alzheimerscaregiver.net for contributing this article.   If you enjoyed this article, or have a topic you would like to suggest for a new article, please leave a comment in the form below.