Seniors Lose Billions Each Year to Financial Scams

Each year millions of elderly seniors fall prey to ruthless schemes that rob them of their money and identity. The national council on Aging (NCOA) estimates older adults lose an estimated $3 billion each year to financial scams. The sad part is that it is often a result of a senior’s trusting nature or feelings of isolation and loneliness; or in some cases, a senior may have cognitive issues that impair their judgment and decision-making skills.   

Experts explain there are several reasons why seniors are more susceptible to fraudulent schemes starting with the fact they tend to be very trusting.  Our elderly population was typically raised to be polite and agreeable to others, which in turn can make them more susceptible to fraud. Lonely seniors can easily be preyed upon as they are willing to stay on the phone and engage in conversation with a stranger.  

NCOA updates the public to current scams targeting seniors so if you have a parent or other elderly loved ones who may be at risk, look at the information and discuss the various schemes used with them.  One scam frequently used is for a thief to call unsuspecting victims and pretend to be from the Internal Revenue Service (IRS), Social Security Administration, or Medicare. They have many angles such as saying the individual has unpaid taxes or their Social Security or Medicare benefits are in danger of being cut off.  They then demand payment (in the case of unpaid taxes) or ask for personal identifying information, which is then used to commit fraud. These impersonators often “spoof” the actual phone numbers of the government agency, or call from the same area code for Washington, DC, tricking the victim into believing the call is legitimate.

The NCOA says there are ways to avoid getting scammed such as never giving out your personal information to anyone but a trusted family member, friend or your professional financial advisor.  In addition, never make big financial decisions without consulting with one of those trusted people.  Also, do not give out personal PIN numbers, or Medicare and other financial information over the phone unless you initiated the call or know the person.  

Other commonsense advice includes being wary of high-pressure sales persons, never signing a contract until you understand it entirely, and to be suspicious of unexpected announcements of winning money, trips, or other prizes.  Experts say it is most likely a hoax.  Always take your time when making financial decisions and do not give blanket approval to a vendor for medical equipment and other purchases.  

We proudly provide the very best in senior living with our unique mission statement of “to honor, to serve, to invest.” With a foundation built on honoring God, valuing all seniors and selecting staff with a felt calling to serve, we create a true home for residents amid a beautiful setting. If you are looking for exceptional assisted or independent living, Hayward’s Casa Sandoval may be your answer.

Source: https://ncoa.org/article/top-10-financial-scams-targeting-seniors

Your Forgetfulness Could be a Result of Medication

As we age, many seniors experience occasional “brain fog” or forgetfulness and have trouble comprehending and processing new information. Medical experts say this may be a normal part of aging but could also be from some of the medications you are taking. 

Dr. Mark Albers, a neurologist at the McCance Center for Brain Health at Harvard - affiliated with the Massachusetts General Hospital, says it is not all that uncommon for seniors to experience symptoms of brain fog when taking certain medications for the first time. He explains medications can affect memory more in aging adults as “older people tend to metabolize drugs more slowly, making them more sensitive to medications and more vulnerable to side effects.” 

Other reasons medications cause more problems in seniors are they often take larger doses of a drug and more frequently as well as take several drugs to treat one health condition. Moreover, older people may have a weakened blood-brain barrier. This barrier works to block toxins and other harmful substances including drugs from entering the brain, which may account for some memory problems. 

Sleep medications are one of the common medications that can be problematic. Over-the-counter sleeping aids can contain anticholinergic drugs, which are known to impair cognitive function, and some prescription sleep drugs diminish activity in parts of the brain involved in transferring short-term memories to long-term memory. Pain medications can additionally result in memory problems. The good news is once patients stop taking sleep or pain meds, modify the dose or replace the drug with a better option, many of the problems go away.    

Casa Sandoval is proud to offer adults 55+ a vibrant and carefree lifestyle to help live life to the fullest. Our community offers a wide selection of independent and assisted living apartments in a variety of floorplans.  Residents enjoy all-day dining, fitness center, ice cream parlor, salon and outdoor areas along with wellness programs and activities which promote a healthy and engaged lifestyle.  For exceptional assisted living or independent living, Hayward, CA seniors are encouraged to consider Casa Sandoval. 

Casa Sandoval provides the very best in senior living with our distinct mission statement “to honor, to serve, to invest.”  Our foundation is built on honoring God, valuing all seniors and selecting staff with a felt calling to serve to create a true “home” for residents.  Visit our website to learn more about the finest assisted living and independent living Hayward, CA offers.

Source: health.harvard.edu/mind-and-mood/stuck-in-a-brain-fog-look-in-your-medicine-cabinet

Don’t Trust All Medical Information on the Internet

Let’s be honest, many of us rely on the Internet for medical advice. While it can supply good answers, doctors also caution you have to be careful what sites you trust. There are many websites providing good medical information but there are also sites with misleading or even dangerous advice.

Dr. Michael Langan, an internal medicine physician at Ohio State University Wexner Medical Center, cautions anyone with a blog can dispense information and advice; and a good way to avoid misinformation is to ask your doctor to recommend the sites they trust. Additionally, the National Institute on Aging recommends using health websites sponsored by Federal Government agencies. They say a good place for reliable, up-to-date information is the National Institutes of Health, but at the same time, remind everyone that the Internet is no substitute for seeing your doctor or other health professional who can give you advice that caters to your specific situation. 

Other things to look for include name recognition such as the Mayo Clinic or the Cleveland Clinic. Moreover, remember sites that end in .gov, identity U.S. government agencies; .edu, educational institutions; and .org, usually designates nonprofit organizations (such as professional groups; scientific, medical, or research societies; and advocacy groups). A .com is a commercial site.

The NIH says to look for the date of the information (often can be found at the bottom of the page) and see if the authors and contributors are identified. If the author is listed, what is his/her background and what is their goal in writing the article or the intent of the organization it is written for. Is there any financial motive for the information? Check out the About Us or Contact Us pages as they provide background information about the organization.   

Looking for the best independent or assisted living Hayward offers? Casa Sandoval is a 55+ community that provides carefree retirement years with a lifestyle of comfort, wellness and security. As a resident you will enjoy an array of onsite amenities, hospitality services and a community of friends. Please visit our website for more information including contact information, selection of floor plans and a list of amenities. 

Casa Sandoval provides the very best in senior living with our distinct mission statement “to honor, to serve, to invest.”  Our foundation is built on honoring God, valuing all seniors and selecting staff with a felt calling to serve to create an atmosphere that promotes a healthy, engaged lifestyle.  Visit our website to learn more about the finest independent and assisted living Hayward, CA offers.

Source: nia.nih.gov/health/online-health-information-it-reliable#where

How to Improve Your Health and Longevity at Any Age

It is never too late to improve our health and making changes in our behaviors and attitudes can mean living a happier, longer life. Doctors say getting your weight under control, quitting smoking, eating more fruits and vegetables, and exercising can all significantly improve your health and longevity at any age. 

Remember taking care of our health also includes our brains. Experts used to believe the brain could not make new neuron connections as we aged but research now shows the “brain remains nimble and capable of physical change and growth throughout life.” In fact studies find that people, who step out of their comfort zone and try new hobbies and interests, can improve their cognitive health. 

Another misconception is thinking it is too late to start exercising or to lose weight. A meta-analysis of 39 studies on aging and resistance-type exercises such as lifting weights or using exercise bands, found it is possible to build muscle mass no matter what age. In the studies,  “1,300 adults over the age of 50 who did some form of this kind of training, muscle mass increased by an average of nearly 2.5 pounds in just five months.”

Being positive is a trait that helps people deal more effectively with stress and worry and is linked to longevity. Researchers also find it is better for us to be in charge of our own medical care. One way to do this is to stay up-to-date on medical research and advice regarding care options as well as asking pertinent questions of our healthcare providers. Other things we can do to protect our health is to get appropriate screenings and tests, use our time productively and stay socially engaged. 

Casa Sandoval is a 55+ community that offers seniors a lifestyle of comfort, wellbeing and as much or as little social engagement as you want. Our range of onsite amenities, care services, wellness programs and activities are designed for stress-free retirement years. Please visit our website for pricing and availability on unsurpassed assisted living communities or independent living in Hayward, CA.  

We proudly provide the very best in senior living with our unique mission statement of “to honor, to serve, to invest.” With a foundation built on honoring God, valuing all seniors and selecting staff with a felt calling to serve, we create a true home for residents amid a beautiful setting. If you are looking for exceptional assisted living or independent living, Hayward, CA’s Casa Sandoval may be your answer.

Source: verywellhealth.com/boost-longevity-in-your-60s-2223714

As You Age, Maintain Your Independence with Exercise

As we grow older, many people begin to slow down. However, we know a lack of exercise and activity can cause reduced muscle strength and flexibility, and lead to health problems that make beginning exercise that much more difficult. In fact, a recent government study estimated “nearly 80% of American adults do not get the recommended amounts of exercise each week, with adults 65 and older being the least likely to engage in a regular exercise routine.” 

This is why experts recommend older adults make a plan to stay more active and commit to it. Before you begin any new exercise or activity, talk to your doctor as your health challenges may make some physical activities not possible. Guidance from your healthcare providers can help develop a plan most effective in achieving overall conditioning despite any limited endurance.    

Areas to focus on include strengthening leg muscles to improve mobility and balance, which is part of maintaining your independence as strong legs support so many basic everyday activities, such as sitting down, standing up, and walking. In addition, safe upper body exercises are important in giving a person the strength to get up from an armchair or carrying and lifting items as part of performing routine household activities. Exercises focusing on maintaining or improving balance are also important in reducing a person’s risk for a fall. 

For exceptional independent or assisted living, Hayward, CA seniors are encouraged to consider Casa Sandoval, a true destination for successful aging. We are an all-inclusive community, boasting a dining service under the direction of our Executive Chef, a wide range of floor plans to meet residents’ varying needs, and onsite amenities and care services for stress-free retirement years. Please contact us for information on our community as well as pricing and availability.

Casa Sandoval provides the very best in senior living with our distinct mission statement “to honor, to serve, to invest.”  Our foundation is built on honoring God, valuing all seniors and selecting staff with a felt calling to serve to create a true “home” for residents.  Visit our website to learn more about the finest independent and assisted living Hayward, CA offers.

Source: hurusa.com/5-of-the-best-strength-exercises-for-senior-independence

What are Advance Care Directives?

An advanced directive is a legal document giving you a voice involving medical decisions in the event you are incapacitated. Many people shy away from creating such documents as they fail to realize how important they are, and mistakenly worry they are signing away their lives, and/or don’t like thinking about being so ill they are unable to make decisions.    

Advance care planning documents may include a living will, power of attorney and health care proxy. By planning ahead, they guide decisions made on your behalf if you are unable, and suffer from an incurable, irreversible illness, condition or disease determined to be terminal. Living wills specify the kind of medical treatment desired and many simply express the desire to not be given life-sustaining measures that only serve to prolong a person’s death. Specific details may regard care including the use of pain medications, antibiotics, hydration, feeding and the use of cardiopulmonary resuscitation or ventilators. 

A health care proxy is someone designated to express your wishes for medical care and has the same rights you would in requesting or refusing treatment. A durable power of attorney document names a person to act on your behalf if you are incapacitated and gives them the power to make financial decisions. 

The Harvard Medical School reports on some of the myths people have regarding advance care directives. They say you need to realize more care is not always better but can prolong the dying process without respect for quality of life or comfort. Refusing life support does not mean you are committing suicide but rather allowing your medical problem to be the cause of your death. Moreover, refusing life-extending treatment does not mean you are refusing comfort measures for pain management and symptoms. Talk to your family and doctor about your medical preferences, and be sure each has a copy of your advance directive documents.

If you are looking for exceptional independent or assisted living, Hayward CA’s Casa Sandoval may be your answer. We offer residents comfort, security, built-in companionship, and predictable budgeting.  Our beautiful home has 233 suites in a selection of floor plans and a broad range of amenities and services to meet every need.  Please see our website for more information.

Casa Sandoval provides the very best in senior living with our distinct mission statement “to honor, to serve, to invest.”  Our foundation is built on honoring God, valuing all seniors and selecting staff with a felt calling to serve to create a true “home” for residents.  Visit our website to learn more about the finest independent and assisted living Hayward, CA offers.

There are Benefits to Growing Older

Instead of thinking that growing older is an endless array of ailments and aches and pain, you may want to rethink your attitude toward it.  Research has found that people who have a more positive attitude toward aging appear to do better.  Remember there are many things that older adults are good at including what is known as crystalized intelligence, which is gained through a lifetime of learning and experience.

Research also shows that unlike many common myths about older people being grumpy that most are happier and more relaxed than when they were younger.  Scientists are uncertain why this is but hypothesize that it could be due to the fact that “older people might control their emotions better, and focus more on how to make the most of life.”  

In addition while many seniors report waking up during the night and may go to sleep earlier and wake earlier, the majority say they get a restful night’s sleep.  Another benefit to old age is that for people who have suffered most of their lives with migraines, once you are in your 70s, a majority of them report no longer having them.  If you are part of the 10 percent of women or 5 percent of men still having migraines, you may not experience pain but rather visual or sensory disturbances. 

Another plus to growing older is that many people report feeling more confident.  The American Psychological Association’s annual “Stress in America” report found baby boomers and older adults report less stress than their younger counterparts.  And when they do experience stress, many older adults say they manage it better.  

Finally researchers have found that Americans 60 years of age and older are the fastest growing block of voters and a whole lot more likely to vote.  This is typically good news for seniors as older voters tend to vote on issues concerning them such as Social Security, Medicare and healthcare.  

MorningStar’s Casa Sandoval senior living community unique mission statement “to honor, to serve, to invest” sets us apart from other senior living options.  Our foundation is built on honoring God, valuing all seniors and hiring staff with a felt calling to serve.  We are set in a warm, loving environment with exceptional architecture and resort-style amenities.  Please visit our website to learn more about trusted independent and assisted living in Hayward.  

Source: webmd.com/healthy-aging/ss/slideshow-aging-surprises