4 signs a senior is in need of assisted living

4 signs a senior is in need of assisted living

Senior citizens receive quality care and help with daily tasks at assisted living facilities. But it is hard to let go of a loved one and accept this new living arrangement. Most seniors are also adamant about staying in their own homes and being independent. That’s why one must not rush with the decision and move the senior to an assisted living facility only when they show signs that they need help.

Declining health
Declining health is a common sign that it is time to move to an assisted living facility. One can tell that a senior’s health  is deteriorating  if any injury strains them too often, they take longer to recover, or they fall sick more frequently because of a weakening immune system. Family members can speak to the senior and the concerned doctors for advice in such cases. Full-time care can considerably lower the worry of loved ones and help seniors maintain their quality of life to a great extent.

Dementia
Dementia or Alzheimer’s disease is a huge concern among those aged 65 years or above because it affects memory and causes cognitive impairment. During the initial stages, the patient might develop mild memory loss, which family members may attribute to aging.  But   as  the condition progresses, the individual might be unable to look after themselves and be diagnosed with dementia.

While dementia has no cure, it is manageable with the right care. Some families attend to such patients at home and ensure they get whatever they need.  But  if the senior requires more care than a loved one can provide, it is time to speak to assisted living facilities.  One should search for facilities that are experienced in looking after patients with cognitive impairment and memory troubles. Since the patient might also get aggressive with the progression of their condition, they should have access to round-the-clock care.

Disheveled appearance
If an aging loved one has stopped taking care of themselves the way they used to, the time may be right to move them to an assisted living facility. A disheveled appearance, an ill-kept house, body odor, and poor food habits are signs that need attention. Since some seniors cannot take care of their hygiene, they become vulnerable to infections and diseases.  This  also puts them at an increased risk of emotional and mental decline.

Recent falls
When an aging person falls, it can be a cause of concern. Some might be unable to get back up by themselves. Frequent falls can be hard on the aging individual and their loved ones. Chances are their partner is also of age and might not be able to help the other get back up after a fall.  This  leaves them to wait for another loved one or a first responder to arrive and help. If seniors are not ready for assisted living in such a situation, the family can consider installing a medical alert system.

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5 mistakes to avoid when buying tickets for live concerts or shows

Concerts in large stadiums provide a truly unique experience. But finding tickets for the best rows before they sell out can be time-consuming. Tickets can be purchased in different ways, including online, at the venue, or through a middleman. Regardless of the method you choose, it is essential to confirm the tickets' validity to prevent becoming a victim of fraud. Here are some things to avoid when buying live concert and show tickets. Visiting fake links Scammers often use phishing to obtain financial and personal information from people booking tickets online. Once they have this information, they access the victim's bank and credit card accounts. They mainly trick buyers by sending emails or text messages that appear to be from legitimate banks, credit card companies, or event organizers. These emails include a link to a different page that asks for personal data like birthdate, social security number, and bank account details. As a result, the con artist gains direct access to the victim's account. To avoid fraud, ensure the links you visit are valid and come from reliable sources. Last-minute bookings Tickets to shows featuring popular performers sell out shortly after the dates are made public. So, booking tickets just a few days before the show or concert can be risky. To ensure you get the passes, purchase tickets as soon as you learn that your favorite artist is performing. Doing so also gives you time to look for discounts or special offers and pick the best seats inside the stadium. If necessary, set a reminder for when the tickets go on sale. Ignoring the terms and conditions Before buying live concert or show tickets, carefully read the fine print. Check for any stated age restrictions to avoid wasting money and being denied entry at the gate. Also, read the terms and conditions to understand what is permitted in the stadium or ballroom and what should be left behind to avoid confusion later. Further, check the return and exchange policies to avoid last-minute stress. Falling for fake tickets During big events, scammers produce fake tickets and mark them down to lure customers. After receiving the payment, they disappear or present a fake ticket. Buying tickets directly from the venue or a trustworthy secondary source is advised to save money and avoid falling for such cons. Search for official websites, investigate the vendors, and purchase tickets only from sources that provide a justifiable return. Finally, use a credit card to buy tickets as they are more secure than other forms of payment. You can cancel credit card payments immediately if you discover the tickets are fake. Using third-party apps for booking Avoid downloading third-party apps that promote simple ticket booking, deals, discounts, and other benefits on the day of the concerts. These apps may contain spyware and malware, compromising your smartphone and exposing personal information. Only use the Google Play Store or App Store to download apps for booking live concert or show tickets. You can check out reliable websites like VividSeats and StubHub to book tickets to concerts, shows, and other events. The platforms offer exciting deals and discounts for events like the Superbowl and performances by popular artists like Madonna and Taylor Swift. 

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4 mistakes to avoid when buying sports tickets online

For most sports enthusiasts, watching their favorite team play on the field live is a dream come true. It all starts with buying a ticket, which can sometimes be challenging. However, the digital era has simplified how people purchase sports tickets. Many customers are now accustomed to the convenience of online purchases. Although there are numerous platforms where one can buy sports tickets, individuals must avoid mistakes that could get them scammed. Not checking if the seller is reliable If an individual is new to online ticket booking, they must be careful where they buy the ticket from. With innumerable options available, it can be hard to determine if a certain ticket-selling platform is reliable or a scam. Plus, one may even find several online promotions claiming to sell tickets for upcoming sports events. In such cases, one must be careful about not trusting a random ad. The safest option for individuals would be to check which online ticket-sellers are reliable before purchasing. For this, they can look up the reviews of sellers or check their ratings on trusted websites. Not staying prepared Getting tickets for a sports event can be highly competitive; although thousands of tickets may be available, they can get sold out in a matter of seconds. So, if one plans to book tickets for a particular event, it is advised to stay prepared. Decide on the dates one wants to attend the event and the seats one wishes to select beforehand. This way, as soon as the ticket sale goes live, one can quickly make the bookings without wasting time. Not checking if the payment website is safe When buying sports tickets online, one should also be mindful of the payment gateway. Before entering any payment details, individuals must check if the website they’ve been redirected to is safe and authentic. One way to do this is by checking the URL of the page. If the URL begins with “https,” it is considered safe. However, if it begins with “http” and does not have the “s” at the end, the website is unsafe. Some browsers also denote secure websites with a closed padlock icon and unsafe websites with an open padlock. The websites that are not marked safe could be fraudulent. Entering payment details on such platforms could mean that individuals are making themselves vulnerable to malicious entities who could exploit their confidential information. Not using credit card to make payments Another mistake to avoid when making payments for online sports tickets is ignoring one’s credit card. Credit card payments offer an extra layer of security by allowing users to report any unauthorized transaction happening during the process as a ‘disputed transaction.’ This would halt the payment process, making credit cards a much safer choice.

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4 tips that can help you pick the right investment advisor

4 tips that can help you pick the right investment advisor

An investment advisor can be a game-changer. A capable advisor can help solve most of your financial issues and give you the best investment advice so that you can turn market situations to your favor. But, finding the right investment advisor is not easy. Here are a few things you need to keep in mind while looking for the best investment advisor. Know what type of service you need First, you need to decide what kind of financial assistance you need. Do you need help picking investments? Or are you seeking advice on real estate, retirement, or insurance needs? Asking yourself these questions will help determine the type of investment advisor you are looking for. Nowadays, many people use a robo-advisor, which is as competent as a human investment advisor. A robo-advisor is great for investment management and other basic investments. But if you want substantial transformation in your money-situation, a human advisor is the viable option. Choose a fee-only advisor If you’ve decided to pick a human advisor, the next step is to choose the type of advisor: commission-based, fee-based, or fee-only. If you’re planning something big financially, you must pick a fee-only advisor. Such advisors work for and get paid by other clients like you, so they always act in their clients’ best interest.
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Handy tips for retirement-focused investments

Handy tips for retirement-focused investments

With pension plans becoming more and more obsolete, retirement-focused investments have come to the fore in the past few years. Besides helping you fund your future, these valuable assets also provide incredible gains, and in some cases, constant income till the end of life. Since investing for retirement—and planning it—can prove to be challenging, we have put together a list of tips that may be helpful in the process. Assess your options Multiple investment vehicles are ideal for long-term gains and can return a sizable amount by the time you retire. Mutual funds, stocks, bonds, exchange-traded funds, cash investments, annuities, and dividend reinvestment plans (DRIPs) are also good sources of high returns, although they depend on investor characteristics and risk aptitude. Saving money in certain tax-advantaged accounts such as 401(k), individual retirement accounts (IRA), and brokerage accounts is also an option. Start early and young No one is ever too young to invest. It’s a healthy habit that can earn serious money in the long term, with even the smallest of investments capable of making a difference a few years down the line. Starting early gives your money time to grow and lets you accumulate more compound interest over a period of time.
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4 popular credit cards for college students

4 popular credit cards for college students

A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.
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What you must know about guaranteed business loans

What you must know about guaranteed business loans

If you’re looking for funding your small business with a loan, you’ll most likely come across the term “guaranteed business loans.” People often misunderstand this term as business loans that are guaranteed to be approved. But, this is not what guaranteed business loans means. To clarify the confusion, let’s understand what the term actually means, and discuss the most popular types of guaranteed business loans. What are guaranteed business loans? In simple terms, guaranteed business loans in the world of small business loans refer to loans that are secured or backed by a guarantee. The guarantee can be in the form of collateral, deposit, or an agreement. This essentially means that the lender is guaranteed to receive their money back even if the borrower fails to pay. When we talk about guaranteed business loans, we refer to loans with a personal guarantee or, more commonly, loans guaranteed by the small business administration (SBA). Let’s take a look at both these types. Personally guaranteed business loans As you understand from the term “personal,” when you make a personal guarantee on a business loan, you essentially agree to sell your assets to pay off the loan, if your business is unable to do so.
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5 mistakes to avoid when investing in a high dividend ETF

5 mistakes to avoid when investing in a high dividend ETF

Exchange-traded funds (ETF) have been gaining popularity in the investment sector for some time now. Along with mutual funds, they have been one of the most preferred investment options among investors. With investors having pumped in billions of dollars in ETFs by now, these funds sure seem like a lucrative investment avenue. However, financial experts suggest treading this path carefully so as to avoid unforeseeable losses. Here are a few mistakes that you can avoid while investing in high dividend ETFs: Overlooking long-term investment Looking at long-term goals is the golden rule when it comes to any type of investment. However, seasoned investors invest in ETFs on a short-term basis through a type of trading called intraday trade. This type of trading allows the investors to buy and sell stocks and other investments on the same day. However, if not thought out carefully, investing in high dividend ETFs through intraday trading can result in lower returns and higher trading costs. Buying an ETF simply based on its name This is one of the most common mistakes people make when investing in high dividend ETFs. Investors may think that an ETF’s name provides an insight into its investment reach, i.e., whether the ETF has local or/and global investors.
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How to qualify for a reverse mortgage

How to qualify for a reverse mortgage

A reverse mortgage provides the elderly access to equity in their homes and supplements their income. With its flexible repayment option, it gives homeowners more control over their money. However, the government has laid out strict rules and guidelines concerning reverse mortgage eligibility criteria. So, if you’re considering a reverse mortgage, read on to know the reverse mortgage eligibility criteria and the types of reverse mortgages. Reverse mortgage eligibility criteria The first criterion for a reverse mortgage is that the primary homeowner must be at least 62 years of age. If your spouse is under the age of 62, you might still be eligible if you meet other reverse mortgage eligibility criteria. If you’re not 62 or older than 62, then you won’t qualify for a reverse mortgage even if you satisfy the criteria mentioned below. You must be the primary resident of the home you’re seeking a reverse mortgage for. Note that vacation homes or rental properties do not qualify. You must either entirely own the house or have at least 50% equity in it. If you have any mortgage balance remaining while applying for a reverse mortgage, you must be in a financial position to pay off that balance.
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