Posts Tagged ‘Their’


When many of us hear of an elderly person being neglected, normally what comes to mind is the thought of physical abuse and the injuries that are sustained from this type of abuse. Physical abuse among the elderly unfortunately does happen way too often, however physical abuse and bodily injury is not the only type of abuse that our elderly can suffer from.

If one of your loved ones has become a victim and has suffered from any type of elderly abuse, your first move should be in retaining experienced attorneys who specialize in elderly abuse cases, the injuries that can be inflicted upon them, and wrongful death cases.

Types of abuse that many of our elderly have suffered from and become victim to year after year include:

Physical abuse and physical assault such as being physically hit, pushed or beaten, restrained, tortured and even deprived of food.

Neglect such as in being malnourished, dehydration, bedsores, or other types of ailments that would result from not being taken care of in a proper manner. Commonly known as bedsores, Decubitus ulcers are a pressure sore that is generally preventable and normally occur due to some type of neglect.

Financial abuse such as when another person has fraudulently or illegally taken money from an elderly person.

Attorney elder abuse such as dishonest attorneys deceiving the elderly into unknowingly signing over their entire savings to them.

Mental abuse such as intimidating an elderly person psychologically using confusion, fear or other means of mental abuse, as well as verbal abuse.

In many situations it is someone that we care about and trust who is the guilty party in inflicting these types of abuse upon our elderly family members or friends. If you were injured in a California city like Los Angeles, you should contact. IF it was OC, Orange County nursing home abuse lawyers. Nursing homes are also a very common place that elderly abuse can occur. Often times we put our complete trust in a nursing home for the care of our elderly, thinking they will receive the utmost in care and gentleness. It is heartbreaking when we learn those are the very people who are mistreating and abusing elderly patients.

When the elderly are abused in any way, it’s time for you to contact a injury lawyer in Los Angeles and fight for their rights during a time in their lives that they are physically or mentally unable to fight for themselves, and see that justice is done. This is why injury lawyers in Los Angeles are so important.

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Seniors Deserve Special Care in Their Real Estate Transactions

There is a niche in the real estate market that deserves some special attention. With a flood of baby boomers retiring and these folks heading into their golden senior years, many are in a position where they’ll want to downsize from their larger family home and opt for something smaller.

The good news is there’s now a specialized realtor you can solicit for thorough guidance on selling your home and purchasing a new one. SRES are Seniors Real Estate Specialists- a specialty designation of realtors. In most major markets there are several senior specialists to choose from, and there are even more being continually trained and entering as qualified specialists in their field.

It’s no surprise that it’s easy enough to get overwhelmed after you’ve lived in the same place for much of your adult life- and these specialists can guide you through some important considerations regarding the sale of your home.

In terms of helping senior buyers it’s important for a specialist to truly understand their client’s lifestyle needs, and what is effecting their current living situation. Perhaps a couple’s current home is very costly to maintain or maybe the style does not make for comfortable living.

There is also a big emotional aspect that needs to be sensitively addressed when helping this age group. They are in the midst of some very big life changes, and approaching the sale of an old and dear home, or the purchase of a new home, means working with great care and diligence. Ideally a client will want to find a realtor who can really help hone in on the positive aspects of these changes and help to find the best new living situation.

If a couple is wanting to move from their existing home and an SRES will have a market evaluation of the home performed as part of their basic service. It is not unlikely that if a couple purchased a house some 50 years ago that the home will have appreciated a great amount. Some couples may not be fully aware of this appreciation, and it’s a good thing to have a specialist who can over the details of this market evaluation.

Another service an SRES is equipped to offer is a full financial evaluation that’ll include a thorough discussion of investment objectives, capital gains taxes, equity-conversion strategies and any other implications concerned with the sale of the property in question.

SRES will also guide seniors to narrow down what are the necessary and most important elements in their next move. Examples of such elements may be proximity to quality medical care, or to family and friends, security concerns, or perhaps the purchase of a home within an over 55 complex.

The most important difference in working with an SRES is the agent’s focus on counseling and guidance, moreover than a quick sale. It’s advised that seniors who are scouting for an SRES or regular realtor take the time to interview several candidates. You’ll want to find someone who is truly willing to listen to all your concerns, ask all the right questions and to help you along with this new and important step in your life.

RE/MAX of Boulder consistently ranks as one of the top realty firms in the Boulder Colorado real estate market. To find Louisville homes for sale, visit BoulderCO.com.

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Elder care, sometimes referred to as long-term elderly care, includes a wide range of services that are provided over an extended period of time to people who need help to perform normal activities of daily living because of cognitive impairment or loss of muscular strength or control. Elder care can include rehabilitative therapies, skilled nursing care, palliative care, and social services, as well as supervision and a wide range of supportive personal care provided by family caregivers and/or home health care agencies. Elder care may also include training to help older people adjust to or overcome many of the limitations that often come with aging. If appropriate, elder care can at best be provided in the home first.

Where do we start when looking for resources for elder care for a loved one? Resources that can help the elderly stay in their own home are the first place to start. A variety of independent living services are now available to help the elderly care for themselves in their own home despite their changing physical needs. This may help, delay or totally avoid moving into an assisted living or nursing home.

Resources for Elder Care that can help the elderly stay in their own home:

Visiting Angels ? Visiting Angels is non-medical in home elderly care service provider and elder care living assistance service. Visiting Angels offers a variety of customized services to help the elderly stay in their own home. Visiting Angels are elderly care specialists.

American Society on Aging – The American Society on Aging is a nonprofit organization committed to enhancing the knowledge and skills of those working with older adults and their families. This site offers useful resources on a variety of aging-related and elder care topics and elderly care advice.

Elderweb – This site is designed for both professionals and family members looking for information on elder care and long term care, and includes links to information on legal, financial, medical, and housing issues, as well as policy, research, and statistics.

National Resource Center on Supportive Housing and Home Modification – NRCSHHM is a non-profit organization that promotes aging in place and independent living for persons of all ages and abilities. The website contains excellent resources on senior housing, elder care and home modifications.

Elder Care Link ? Provides resources to those in need of home care.

Alzheimer’s Foundation of America ? is an organization, which provides optimal care and services to individuals confronting dementia, and to their caregivers and families.

The American Optometric Association — is the authority in the optometric profession and leads the way in its mission of improving the quality and availability of eye and vision care everywhere.

Beltone — has been helping people hear better for 65 years as the most trusted name in hearing care among adults over fifty.

By using resources available, elderly care in the home becomes a viable option. Elder care does not have to mean you have to do it alone. Becoming knowledgeable about elderly care issues make the aging transition an easier road to go down.

Linda Dunkelberger is a freelance writer and editor working for Visiting Angels (www.visitingangels.com). The article ?Resources for Elderly Care that can Help Keep Elderly in their Own Homes? lists resources found on the internet related to Independent living in regards to elder care and elderly care.

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It’s human nature to hang onto two basic hopes – the hope of overcoming illness and the hope of delaying death. However, in many cases the reality is that your loved one faces a steady medical decline, a life-threatening illness or impending death.

Hope is like the vase that contains your sweet-smelling colorful dreams. Dreams, like flowers, change over the seasons of life and the stages of caregiving. Yet, no matter how desperate the situation, there is always room for hope and dreams. It is the magical salve for the suffering of caregivers and their loved ones.

Hope is the optimistic belief that you can expect a better tomorrow.

Sometimes that better tomorrow happens as a result of something that changes in the outside world – such as a new drug or unexpected help. Sometimes the better tomorrow arrives because you see things from a new perspective. Hopes and dreams become the guiding light for the tough choices that you and your loved ones face.

Here are 7 tips for hanging onto hope:

1. Give a voice to your secret longings, wishes and dreams.

If you had a magic wand, what would you wish for? Maybe it’s turning back the sands of time and taking away the car keys from your father instead of sitting at his hospital bedside where he is recovering from the car accident he caused. Maybe it’s imagining that you’ll turn on the news and learn of a new miracle cure for the cancer that’s taking over your mother’s body or for the dementia that’s erasing your grandmother’s memories. Hope might be something simple like a good night’s sleep for you and your loved one. Say it out loud, “We could use a good night’s sleep.”

2. Define the reality.

In the course of taking care of tens of thousands of patients, I’ve seen miracles happen. However, most people experience likely events. Grasp an understanding of your current reality based on what’s most likely to happen naturally.

When you define the most likely outcome, it helps you decide where to place your hopes. For example, a friend of mine who is a family doctor told me of a conversation between him and a loving mother whose 6-year-old child had a relapse of leukemia after a bone marrow transplant. There was an experimental treatment offered halfway across the country. The mother wanted to know where to take her child: to a new hospital across the country for lots of “pokeys” as her son called them, or Disneyland to enjoy the final days of his life. Does she hope for a cure, or for the fullest remaining days of her child’s life?

3. Recognize your loved one’s hopes may be different than your own.

The mother of the 6-year-old made the medical choices for her son. What if the person with the leukemia is your father, who is competent to make his own medical choices? Maybe you cannot bear the thought of losing him and hope that a new treatment will cure him. Maybe your father shares that perspective. However, what if he considers experimental treatment with certain discomfort and an uncertain benefit and decides he would rather live out his days enjoying his grandchildren?

You may find it difficult to support him. You do not want to burden your loved onea with your disappointment that he has placed hope in a different place than you would if you were in his shoes. That’s when you turn to a trusted friend and say, “I wish Dad would make a different choice. I want him to fight. I’m sad and angry that he’s chosen death.”

4. Honor your loved one’s hopes.

As a caregiver, it’s important to understand that your loved one is the patient. It’s his or her body and life. As much as you think you know what the best choice is, your job is to help your loved ones realize their hopes.

5. Mourn the loss of the old dream.

Gretta said, “Mom had always hoped to live all of her days in her home filled with the memories of Dad and small children and happy holidays…and not so happy holidays. It just wasn’t safe any more. We moved her to a terrific retirement community that has everything she wants, including a beautiful garden. Still, she’s sad because it’s not what she had always imagined.”

You too could have a dream of a healthy and independent loved one that’s hard to let go of. The loss of a dream can be as painful as the loss of a loved one. Mourning the loss of a dream brings healing.

6. Create a new dream.

You can still have hopes and dreams! They’re just different. Maybe the hope for cure is replaced with the hope for days or hours or moments free of pain. Maybe it’s the dream that your fragmented family will come together and heal old wounds around the deathbed.

State your dreams as attaining something you want rather than avoiding something you don’t want. As medical conditions change, it’s important that you and your loved one revisit the dream. If you’re disappointed about the course of events, ask, “Is this the loss of a dream, or a hope I can fulfill?”

7. Focus on your loved one.

Always remember, caregiving is first and foremost about supporting the person you love. Yes, you as a caregiver have hopes and dreams. Maybe the heart of caregiving is the willingness to fulfill the hopes and dreams – the vase filled with brilliant blooms – of those for whom you care – whether or not you hold the same vision.

Follow these tips, and you will be sure to hold onto your hopes and dreams. Remember, no matter how desperate the situation, there is still hope for the dream. The dream will change as the condition of your loved one change. Just like there’s always a flower to put in a vase?there’s always hope.

Dr. Vicki is a board-certified surgeon who left the operating room to help families take the most direct path from illness to optimal health. Her book, “The Personal Health Journal“, will help you understand and direct your loved ones health story. Empower yourself with the tips and tools that will help you partner with their doctor more effectively & save your loved ones life at: http://www.drvicki.org/drvicki-store-health-journal.html


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This problem is facing as many as 30% of all seniors who are homeowners, they are feeling the pinch of the times. With the cost of health care, medicines and in some areas rising taxes along with interest rate adjustments! How did we get here in the first place?

Well in looking at the situation this is what was found through extensive research on mortgages over the last five years. Seniors who had the retirement plans laid out with investments in the Stock market were hedging their bets that they would make enough money to pay off the mortgages or be able to sell and take the profits. In years gone bye when home values were soaring and money was easily available they were able to refinance their homes and take capital out for investments. With the stock market up at 14,000 and values of home seeing double digit appreciation many thought that this was the best time in their life for accumulation of wealth. The fact is that they were playing Russian roulette; just like the bankers on Wall Street. It all sounded good on paper; but the fact is nothing last forever and what goes up always comes down he has been this way for ever.

In speaking with as many as 100 seniors on a weekly basis, I hear all too often that I have lost almost all of my life savings and my pension has all but disappeared, and you can hear the stress in their voice. They are worried about what is going to happen to them and their homes. This problem is become epidemic in proportion around this country, and more and more seniors are looking at the Reverse Mortgage as a solution to some of the problem. Now that is not to say that the program is a save all solution for every senior around the country, because it truly is not the cure. However for many of them who are either loosing money in their investments, or having a hard time making debt payments it is a solution that can relieve some of the stress. Let?s take a look at a typical situation!

Senior age 65 with a mortgage

This senior purchased the home over 20 years ago, when they were earning a living had a good job and they were contributing to a 401 k.

They purchased the home for lets say $50,000.00, they paid on it for 20 years and they only had 10 years left to pay on it.

Now here we are it is 2002 and values have started to rise and the Stock Market is rocking and people are buying and selling Real Estate and showing huge profits. Now that home that they paid $50,000 for is now worth $400,000.00. They are seeing that if they take a 50% loan to value they can use the money to invest and still have 50% as a security blanket on their home. So they borrow the 200k at let?s say they were able to cash in on an interest rate of 5% the payment on the home, not including taxes and insurance would be $ 1.073.00 per month with a 30 year term. Now they have in cash after everything they have net $180k for investments. So we will assume that they listen to their investment person and they tell them they can expect a 7% return on investment so they pull the plug and they are seeing a net return after they pay the mortgage of 2%. They also held out $50,000 for a reserve so they invested $130k. Now they see and opportunity to buy Real Estate so they switch some of the monies from stocks to real estate. They meet someone who told them that they could use a portion of the money as a down payment on a new development and sell it before they home is completed. Now they have stocks, and real estate as their investment, the time comes and the home is complete they have a buyer all lined up to close and it goes great the person is able to get a mortgage and they make a whopping 30% return on their investment. Boy that was easy! So they figure if they can do it once and get that kind of return, just think if I did it again but with two properties.

So they take the profits from the sale and some of the $50k they have sitting for a rainy day and invest that into another couple of units and they are planning on flipping them also while they are being built. Now it is 2006, al of a sudden the buyers are having trouble getting a mortgage, because the rules of the game have changed, money is getting harder to get. The property is now ready and the builder wants for close on the property or you they are going to keep you deposit, so you apply for a mortgage on the property as a second home.

At this time the second home is being treated like a first home for mortgage purposes so you put down the 10% and close on the property. Now you have a second mortgage along with your first, and thought is you will rent the house to pay the mortgage. Now here is where the real problem begins, the stock market starts to tumble a little, your broker tells you not to panic its just an adjustment, your real estate person is telling you it is just a slow time in the market, wait until spring the market always open up then!

Now here we are it is 2007 and you are hearing on the news that this company is in trouble and that bank is going under and real estate values are starting to fall. What are you going to do you have a $200k mortgage on your primary home, you are now 64 years of age and retired. Sound familiar, I have spent the better part of 20 years not only doing this but working with investors on the very same scenarios over and over again. As a real estate person in a vacation home market, and a very good market nationally, I seen it too many times where customers where trying to cash in on profits. Now there are no profits to be had and they are in fear of not only loosing the investment home, but their primary home.

In many cases they are able to get the property rented but in some cases it is less then the mortgage payment, the stock portfolio is in the negative arena, because they listen to the broker who said stay the course! So what are you going to do now! Here is the best advice you can ever get, Take the loss on the Stock Market and get out with what ever you can and put the money into something that will protect the principle even if you are not getting interest. As to the second home; if it is renting even if it is a little loss monthly ride it out or try to sell it at a loss, call your mortgage company and see if they will work with you to reduce the sale price. Now to your primary home where it is the most important issue is to keep the roof over your head. The home that you borrowed the $200k and you thought you had another 200k in equity is now only worth maybe $300k if you are lucky.

So now you have a home worth $300,000 and a mortgage that is maybe reduced the balance to $195,000 over the last 6 years. You are now 65 years of age and all of the stress is causing you all kinds of additional problems. So look at this!

Home Value $300,000.
Mortgage Balance $195,000
Age 65
Payment of $1,073.00 plus taxes and Insurance.
Income of $1,500 per month assuming a couple on SS

Does this Sound Familiar or do you know someone who has this situation.

Here is a solution

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