Tips to Avoid Getting Overwhelmed by the Cost of Alzheimer’s Care

AlzheimersPostImage
Image via Pixabay

From Marie Villeza – elderimpact.org

If you’re overwhelmed by the Cost of Alzheimer’s Care, you’re far from alone. There are roughly 5.7 million Americans living with Alzheimer’s disease, and that affects their friends and family members struggling to give them the care they need as the patient struggles with memory loss and confusion.

There is help available, but it comes with a large price tag, as assisted-living costs have risen to more than $3,500 per month on average. Even the less-expensive options require careful planning, and those are only viable in the early stages of the condition. You’re in for a battle, though there are ways to ensure your loved one is looked after well into their golden years.

Research Cost-Effective Options

It’s often possible to save money by exploring home care, though this isn’t always possible during the later stages of the disease. To determine whether it’s cheaper, the researchers at Paying for Senior Care have developed a calculator to put an accurate price on total services based on factors including the number hours of medical and personal assistance required per week — as as well as rent, utilities, and food — all of which can be added up and compared with the cost of assisted-living facilities in your area.

Find the Right Caregivers

To choose a quality home care provider, begin by taking referrals from the patient’s doctor as well as friends and family. Once you’ve found individuals or agencies that offer the services you need, check their qualifications and interview the caregivers to gauge their level of experience and whether they’re the right fit. Another decisive factor is how innovative the caregivers are in their use of communication and monitoring technology. You’ll need to make similar inquiries when choosing an assisted-living or memory care facility.

Tap Savings and Investments

One way to pay for these services is by paying the money yourself out of savings and investments. As for the latter, there are a number of strategies that offer relatively low risk with steady returns over the long term. A writer with CNN Money recommends a balanced and diversified approach by putting your money in a total US stock market index fund and a total US bond market index fund. The payouts could cover retirement expenses as well as the care needed for Alzheimer’s, or at least help fill in the gaps.

Play the Insurance Game

The ideal policy would be long-term care insurance, but this is unavailable if the patient has already been diagnosed with Alzheimer’s disease. If that’s not the case, research plans while you have the chance. Other finance options via insurance include living benefits, which are payouts on life insurance while the policy-holder is still alive, with the money made available for medical expenses such as an assisted-living facility or nursing home.

Use Medicare and Related Programs

Medicare only covers skilled care for up to 100 days, but there are means of paying for long-term care. Medicaid covers a wide variety of custodial services but only for those who fall below a certain income threshold. It may help to enroll in Medicare Advantage Plans, which are offered by private insurers and are eligible for those enrolled in Medicare A and B; you can sign up over the phone, online, or via a form provided by a plan sponsor.

Contact Charitable Organizations

There are a number of charities that are ready to step in and offer help in addition to their fundraising activities to fund Alzheimer’s research. The Alzheimer’s Foundation of America, for example, provides a variety of social services, including support groups for caregivers and family members, while the Long Island Alzheimer’s Foundation dedicates its resources to physical therapy, brain fitness workshops, and caregiver support in Long Island, New York.

Though the going may be rough, being prepared mentally and financially will make living with Alzheimer’s disease a little easier. There will be time for you to enjoy with your loved one despite their condition, knowing they are getting the care they need.

 

Rapid Rise in Thyroid Disorders

WHY The Rapid Rise in Thyroid Disorders?

It seems now more than ever that as a society we are getting sicker, and more stressed.

Despite overall improvements in living standards, and technological innovations we are not creating communities that allow people to thrive.

Something is going on that can perhaps be best summed up this way.

There’s been a radical shift in the way we eat due to industrialization of our food supply, we are exposed to an overwhelming amount of toxins, and for the most part family and community structures have broken down.
Along with overwhelming stress these factors are taking a serious toll on our emotional and physical health.
The thyroid is particularly vulnerable to disruption by toxic foods, industrial pollutants, and stress. In effect, this small fragile gland is the ‘canary in the coal mine’.

We need to find our way back, to finding a better way to live…and THRIVE.

Updated in 2018…

The-Natural-Thyroid-DietThis guide that has been helping a lot of people with thyroid problems, The Natural Thyroid Diet, a holistic Guide to Living Well, Living Vibrantly.

It goes way beyond being just another diet eBook as it includes a lot of new information, including the real reasons WHY we are seeing an epidemic of thyroid disorders and combines a natural healing approach with the latest scientific research.

 

Make Money with Affiliate Marketing – Part 1

Choosing a Good Niche
Considering how well affiliate marketing can be automated and how passive the income could be, it’s very easy to get excited.
But the bottom line is that the vast majority of people who try their hand with affiliate marketing have very little to show for the time, effort and energy they put in.

Target Customers

 

Where did they go wrong? 

More importantly, how can you avoid the mistakes that they typically make?

IT ALL BOILS DOWN TO PICKING THE RIGHT NICHE

What is a niche market? Essentially, it is a division of a mainstream market; it is a small market that addresses that needs of a specific group of people. Analyze what you are selling or what you want to sell. It should be in an area where you have gained good knowledge. It may have a wide appeal, but you need to focus on those it appeals to most.

For example, does your product appeal to musicians? That’s a pretty wide market. Now narrow it down. Who is most likely to be interested, singers or instrumentalists? From there you might want or need to narrow it down even further. For example, your product might appeal to musicians of a certain age, or musicians who favor a certain kind of music or even a particular type of vocalist.

After narrowing it down as far as you can, think of the most appropriate keywords.

Next use a site that tracks keyword usage (just search for “Free Keyword Tool”) to see if there are plenty of users searching for that kind of information. If there are enough potential customers and the competition is low, you may have found your niche.

Part 2 coming soon – Getting Free Traffic

3 Tips for great content

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Resources for Seniors Update

Elderly Prescription Drug Abuse

DrugsWhen it comes to drug abuse, elderly adults are more prone to addiction than other age groups. Seniors use prescription drugs for all sorts of ailments, from chronic pain to insomnia.

According to the NCADD, those 65 years of age and older consume nearly 40 percent of all medications prescribed in the country. And in contrast to other age groups, the elderly are more likely to take an increasing number of prescription drugs at any given time.

The Substance Abuse and Mental Health Services Administration (SAMHSA) estimates that about 3 in 10 people between the ages of 57 and 85 use at least five prescription drugs. Additionally, about 25 percent of seniors take highly addictive psychoactive medications for longer periods of time than any other age group.

All of these statistics add up to seniors being much more likely than any other age group to experience prescription drug addiction.

Read more at: www.therecoveryvillage.com/resources/elderly-resources/

Resources for Seniors page updated – Resources-to-help-seniors

Habits for Success

Success Is Built On Daily Positive Actions

Small Habits Matter

Let’s talk about success.

More specifically, let’s talk about what it takes on a day-to-day basis to become successful.

When you break it down, success is built on daily positive actions.

As long as you do something every single day to move you in the right direction and work on building those success habits, you’ll get there. And it will happen sooner rather than later as those daily actions start to build on each other and generate momentum.

Forming Positive Habits Is Easier When You Break Negative Ones

People develop bad habits during their lifetime. Some are really difficult to break. But if the bad habits can be broken it will make forming positive habits that much easier.

Take smoking, for instance. There aren’t too many people that will disagree that this is a really bad habit. This includes smokers. Exercising is a good habit, as long as you approach it correctly. Yet, it will be very difficult for smokers to adopt the good habit of exercise because the smoking interferes with their ability to breathe. This is a crucial aspect to exercising properly.

Another example is procrastination. Most people universally agree that this is not a great habit. While it’s not as life-threatening as smoking, it can be a cause for companies to fire someone who engages in it. If people want to be more productive and they tend to procrastinate, they will need to break that bad habit. The good news is that procrastination is much easier to break than smoking. Also, just the nature of breaking it makes someone automatically more productive.

Of course, not every bad habit is going to be offset by a good one. There are certainly plenty of bad habits that may not have any effect on good ones. They can easily coexist. For instance, if someone is a smoker, that doesn’t automatically make them a procrastinator. Therefore, they could already be very productive in their work. Some may argue that taking several breaks for smoking can have the equivalent outcome as one who procrastinates. But not everyone who smokes takes multiple breaks per day, so it is a weak argument at best.

One way to approach positive habit formation is to think about how many hours you spend awake every day. If you increase the number of positive habits, something has to give. Let it be the negative ones. Unless those negative habits are done in your sleep, like snoring, in your waking hours, you either have to forgo those negative habits or you simply cannot add any more of the positive ones. The rewards for taking on more positive habits should easily overtake the loss of the negative habits.

You shouldn’t try to change your habits all at once. It takes time for your brain to adjust to new behaviors. Do it one habit at a time or perhaps lose one bad habit while gaining a good one, etc. As you feel you have mastered the good habits, add others into the mix.

How to Deal with Obstacles to Creating Success Habits

You’ve decided that you want to achieve a goal. You want to be successful. A plan is in place and you are creating the habits you need. Your plan includes possible stumbling points and you have identified ways to overcome them. That’s great you are setting yourself up for success. However, what do you do when the unexpected happens and an obstacle occurs that threatens to derail you and your plans?

There are certain things you can do when this happens.

First it is important that you remember that most obstacles that will happen are created by your own limiting beliefs.

Think Positively

Positive thinking is a key success habit in itself. If this is not already a habit of yours then you should consider creating this habit first as it is crucial for all other habits and goal completion. All successful people are positive. They know who they are, what they want and how to get there. They are also willing to work to achieve their goals.

Relax

While it’s quite natural to become stressed when something unexpected occurs it is important that you have planned for this eventuality and have strategies in place that can help you deal with it calmly. Staying calm and relaxed is crucial. Breathe deeply, focus on yourself and the moment. Tell yourself it is just a blip and you can cope with it. Remember, that one of the key factors for success is flexibility. You must be open to change. Even unexpected change!

Take time out to do something else if you can. Perhaps listen to calming music or take a walk. Exercise releases endorphins and makes you feel good. Consider doing meditation, yoga, tai chi or self-hypnosis.

Persevere

You are in this for the end game. You are not a quitter as quitters don’t win. At the start of your journey to creating a new success habit create a positive affirmation to use for exactly a situation like this. That way when something unexpected happens you can use it to reinforce your determination and focus ensuring that you solve the problem and continue towards achieving your goal.

Actively Seek New Opportunities

When something happens that puts a spanner in the works and causes you to stop in your tracks, take the opportunity to learn from it. Is there something that needs to change or be done to get your plans back on track?

Re-evaluating your plans and strategies along the way is an important part of goal setting. Remember your plans should not be rigid and nor should your end goal. Are you still on the right path or is there something that needs to be changed?

Dream

Whether you think of it as dreaming or visualizing keep your goal in sight. Your journey to creating success and new habits started with a dream and you need to keep that in your mind.

Visualize yourself living the life you are working to create. See yourself using your new success habits to help you plan and create a new future for yourself.

Remembering what you are working for will help you stay committed, focused and taking action.

There will be times on your journey to success that you stumble or fall. It is essential to remember that these are temporary set-backs. Your attitude towards how you deal with them will be the key to whether you succeed or fail.

Groups Can Help You Develop Better Habits

When it comes to forming new habits, there’s no doubt that getting support from others can help. This is one big reason why support groups are created. There is strength in numbers as the saying goes. When you join a group of people who have similar goals as you, they can offer tips on what they did to overcome challenges or to break through barriers.

When selecting your groups, you want to look for ones that are as similar to the habits that you want to adopt. If it is not a fit, you are going to have trouble getting help from the members. For example, there may be a group dedicated to becoming healthier but their main focus may be through exercise. If you are looking for a group that focuses on eating well, this may not be the right group for you. It’s not that the group is wrong for focusing on exercise, it’s just not what you were looking for.

Finding groups can be as easy as searching your favorite search engines. Simply use the name of the habit followed by the words “groups”, “forums” or “blogs”. You can try all three in separate searches. When checking out the groups, make sure that they are fairly active and engage frequently. Otherwise, it could be a waste of time.

Facebook can also be a great place to find people who have formed groups similar to what you are looking for. You can start out by searching for the habit or topic. If you want even better results you can try the following phrase, “people who are looking to” followed by the activity. You could also do the same with, “people who are looking for”, etc. As with forums and blogs, make sure the groups you choose are active and have enough members to make it worth your while.

Meetup.com is another website that you can use to find groups of people all trying to accomplish similar goals. They require the groups to actually meet in person as part of its terms of service. But this can be a great way to get to know people and develop new friendships. If a particular group you are looking for doesn’t exist, you can create your own as long as you follow the terms of service.

Joining groups to help you create positive habits can really help you succeed in adopting those habits. The groups will have people that have experienced what you are looking to accomplish.

Teamwork

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