Know the Warning Signs and Solutions.
These days, it seems like there is a new scam hitting the streets almost daily.
Many of us probably have gotten the purported calls from the “IRS,” claiming we owe immediate back taxes or the county sheriff will be coming to arrest us. There also are the home repair and maintenance senior scammers, who are particularly fond of targeting seniors and boomers. And unfortunately, there also are certain individuals who pretend to be a trusted friend and advisor, but end up cheating seniors and boomers out of their savings or more.
It can be hard for even the savviest of consumers to realize when they are being set up, but even more so for the boomers and traditionalists generations. Boomers include those born between 1946 and 1964, while traditionalists are those born in 1945 or earlier. Traditionalists, in particular, are scammed more easily due to their trusting nature. Traditionalists were raised during a time when trusting your neighbor and sharing what you had with others was a common value. It can be difficult for that generation to get out of the habit of helping others, even when the people they think they are helping are not worthy of their “help.” Continue reading
5 Benefits of Downsizing To A Mobility-Friendly Home.
All of us are at risk of disability at some point in our lifetime, especially once we reach our golden years. According to the Centers for Disease Control and Prevention, one out of every five adults in America have a disability, and 13% of adults have mobility problems which make walking or climbing stairs an everyday challenge. For people with disabilities, it’s crucial to live in an environment which will encourage mobility, and downsizing to a mobility-friendly home can make a lot of difference to an older person who values his or her independence.
Why it makes sense to downsize to a mobility-friendly home
A majority of older adults are concerned about preserving their independence and freedom. A study has found that 78% of adults age 65 and older intend to age in their current residence. But staying in a condominium unit or a home with lots of stairs, narrow doorways and passageways and other hazards may present lots of dangers to retirees or seniors with mobility issues. Living in such a home can present the risk of falling, and a serious fall-related injury can lead to disability or even death. Homes that aren’t designed for aging in place can also prevent seniors from doing typical everyday activities on their own. Moreover, all the features of a mobility-friendly home will ensure that retirees get to live in utter comfort as they enjoy their golden years. Here are 5 benefits of downsizing to a mobility-friendly home. Continue reading
Hit the Road or Hand in the Keys?
Ageing is an all-encompassing inevitability. Along with the physical and emotional components of growing older, a number of varied decisions must be made regarding an individual’s safety and quality of life as they age. With an ever-increasing population of baby boomers aging into the senior category of 65+, the surge of older Americans hitting the road has prompted distressing statistics as in elder drivers being twice as likely to die in car crashes than middle-aged individuals.
With normal health and physical restrictions due to the aging process, many seniors cling to their ability to drive and refuse to recognize the safety hazards they may pose to themselves and others on the road, outliving their ability to drive safely by 7 to even 10 years. With over 40 million boomers on the road (a 50% increase from 1999) and many of them ill-equipped with the necessary reaction times, eyesight, and physical maneuvers to drive safely, an average of 16 older Americans are killed and 648 are injured each day from car accidents. With these staggering numbers, it is up to physicians, caregivers, rehab care clinic workers, geriatric services, family members, and even seniors themselves to assess their command of the skills required to drive safely. Continue reading
Exploring Mobility Options for Seniors.
There are many things to which we look forward as we age: the ability to spend less time working and more time with our families having fun; the ability to travel and see new sights; and the freedom to try out new hobbies we’ve never had time to explore.
But there also are some things about aging that can be a hardship, including the loss of our mobility. Whether due to age, illness or injury, loss of mobility can put a crimp in our plans for retirement and beyond. We take for granted the ability to get up and walk across the room – or to stand for longer periods of time – until we find we can no longer do either comfortably or safely.
When this happens, it may be time to explore mobility assistive options such as scooters, walkers and canes. Continue reading
Top Tips for Going it Alone.
For many seniors and boomers, traveling is something to which they are looking forward when they finally retire and have more free time on their hands. Many have a bucket list that includes places they want to see and explore, and some have been saving for years to be able to afford the luxury.
According to the AARP, boomers were the most active travelers in 2016, taking an average of four to five trips per year for leisure. Forty-five percent of seniors and boomers traveled both domestically and internationally last year, and the trend is expected to continue into 2017. The AARP also reports that 62 percent of boomers traveling in 2016 were couples (married or living together) traveling internationally and 74 percent of those were traveling domestically.
But what about single men and women who wish to travel, but don’t have a companion to accompany them? This may pose more of a challenge to senior women than men, as women can face greater obstacles and safety concerns when traveling alone. If you are a single senior woman who wants to travel, there are ways to make your dream a reality. Continue reading
Top Transportation Options for Seniors and Boomers.
Americans are healthier than ever before, resulting in an average life expectancy of 78 years. With many seniors and boomers retiring by age 63 (U.S. Census Bureau, 2016) – and having retirement last an average of 18 years – that’s a lot of time to have free to enjoy the things you want out of life.
While Americans may be healthier and living longer, that doesn’t mean they are capable of continuing to safely drive. According to the American Automobile Association (AAA), seniors and boomers are outliving their ability to drive by as much as a decade. While many older drivers recognize when they have conditions that prevent them from safely driving, others may continue to drive out of necessity, especially in areas where public transportation may not be readily available or where including the cost of public transportation doesn’t fit into a tight budget.
Seniors who live close to friends or family members can consider asking them for assistance when they need to make occasional trips to places like the grocery store or a doctor’s appointment. Seniors and boomers who do not live close to friends or family members have other options. Let’s discuss a few of them. Continue reading
Self Defense Techniques and Tools for Seniors.
No one likes to think about becoming a victim of crime. But as with anything else, being prepared to handle any situation can go a long way toward prevention.
According to the U.S. Department of Justice, individuals aged 18 to 21 are the most likely age group to become victims of violent crime; however, 7 percent of violent crime victims and 12 percent of all homicide victims each year are age 50 and older.
The chance of becoming a victim of violent crime also increases based on where you live. WalletHub, an online financial resource tool, created a 2016 Safest States in America list. WalletHub’s analysts compared key safety metric data among the 50 states and the District of Columbia to determine its list. Safety metrics included number of assaults per capita, unemployment rates and estimated losses from natural disasters. Continue reading
In September 2015, an 85-year-old driver was killed when he lost control of his vehicle in Salem, Ore. Police said he was trying to over-correct his steering wheel when the accident occurred, causing his vehicle to flip onto its roof.
Earlier this month, a 91-year-old driver and his 87-year-old passenger were killed when the driver lost control of his vehicle and crashed into a concrete wall near Hartford, Conn. Police say the driver failed to maneuver his vehicle while approaching a railroad overpass, striking the bridge abutment head-on.
As of 2012, there were nearly 36 million licensed drivers ages 65 and older in the United States, according to data from the Centers for Disease Control and Prevention. The numbers reflect a 34 percent increase in the number of drivers in this age group since 1999. The same report indicates that the risk of being injured or killed in a motor vehicle accident increases with age, with an average of 586 older adults being injured daily in crashes. Continue reading
Last week, we talked about the benefits of seniors and boomers using social media outlets such as Facebook, Twitter and YouTube. This week, we’re going to discuss strategies and tips for enjoying all the Internet has to offer without risking your safety, identity, or financial security.
Identity theft is the fastest-growing crime in America, according to the Federal Trade Commission. Nearly 10 million incidents of identity theft occur each year. The growing amount of data available online has made identity theft, among other forms of cyber crime, easier to accomplish. While the Internet has made it easier, that doesn’t mean there aren’t ways to protect oneself while online.
One of the best ways to keep your information safe is by using a secure password. The strongest passwords include letters, numbers and symbols and a combination of upper and lowercase letters. An example would be 79SdJk47!2. By using combinations of this nature, it makes it harder for online scammers to guess passwords and hack into your accounts. This includes everything from Facebook to your online banking. It also is important to use different passwords for different online accounts. If you use the same password for every account you access online and someone gains access to it, they can do a lot of damage in a short amount of time. It is also important to change your passwords every so often. Continue reading
The end of November starts the annual holiday season, with families gathering first for Thanksgiving celebration, and again in December for Christmas and Hanukkah and other year-end holidays.
For some families, it is one of the few times during the year they are able to spend with aging parents. If those parents are still living at home alone, the holidays can be a time to not only get together and share a meal and some memories, but also a time to assess whether it’s time for mom and dad to get a little assistance. Continue reading
For many retirees who are downsizing, moving to a retirement community is not the first step in the process. Some choose to simply downgrade the size of their existing home to a smaller home or even a condominium. When making this kind of a downsize move, it is crucial to follow certain guidelines to ensure the ability to remain safe and secure in your new home. Continue reading
Today’s seniors and boomers were raised during a time when they were taught to be polite and trusting. Sadly, con artists tend to prey on those who are too trusting, thereby making the senior population a prime target for scams and fraud.
According to the Federal Bureau of Investigation, not only is this age group more likely to be a victim of fraud – they also are less likely to report it . Some do not know how to report it and to whom, while others are embarrassed that friends and family will find out they were scammed. Continue reading