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How to Know When It’s Time to Step In to Help Your Senior Loved One With Their Finances

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No matter what age you are, finances can be a tricky subject to have to deal with. However, the issue of managing your finances probably becomes even more difficult as we get older when we might not have the mental clarity we once had. Suppose, you have a senior loved one who you notice is struggling right now to handle their finances better. Here's how to know when it’s time to step in to help your senior loved one with their finances.

Inability to keep up with daily activities

A telltale sign that your loved ones might not be prioritizing their financial affairs as they should is not being able to cope with their ordinary day-to-day activities. Because the issue of finances is usually left until last, this may be the perfect time to interject with ways you can help them stay on top of their day - and their finances!

Piles of unopened bills

If their mail is piling up and is being tossed in the corner unopened, then this is usually another clear indicator that help is needed in areas where mortgage loans, various credit card repayments, and utility bills are being left unattended.

They mention that they don't have enough money - a lot

Perhaps, your loved one is raising the subject of not having enough money - a lot. You should take this time to talk through any money concerns that could be distressing for them, even if it is just by lending an ear so that they can process their emotions better.

Incessant creditor calls

If you are noticing that calls are not being answered and that they are occurring more and more frequently then this could also be a sign that creditors and service providers are following up on outstanding bills.

Mishandling money

If they spend too much on unnecessary things, this could also indicate financial trouble. Then again, the opposite is probably more true if you are noticing that there are insufficient funds at the till or that their card is being declined altogether.

What you can do to help

Sometimes, only offering your support is enough to help a loved one through their financial problems. In more serious cases, however, you might need to take over the financial affairs of your loved one. If your loved one's financial situation is especially troubling, here are some tips you can do to help make a difference in their situation.

Be their power of attorney. This is a way to legally manage their financial affairs especially if they are no longer able to anymore.

Access to their financial records: You will need to be able to access their financial records, such as policies, bank accounts, etc., in order to manage these accounts properly. Don’t forget to request access to their pin codes and passwords so that you can access the relevant accounts when the time comes.

Refinancing assets. If you are looking for ways to find financial relief, this could be the ideal time to think about refinancing your home to get the surplus in cash you need to cover urgent bills or to pay for a skilled nursing facility in Brooklyn if they require constant care. Be sure to do the necessary research regarding pricing, and payment options while taking note of any reviews and detailed facility reports to get a better idea of what the facility is about and what they offer to ensure that your loved one is placed in the best care possible.

Taking over your senior loved one’s finances is probably going to be trying - even a little frustrating as you come to terms with your new financial responsibilities. However, you’re sure to be grateful that you did when you see the relief in your loved one’s eyes knowing that they don’t have to face their financial troubles all on their own.

For more informative articles, postings, and blogs related to health and medical care, be sure to spend some time exploring the Health Care New York website.

How to Make Time for Self-Care When You Have a Hectic Schedule

How to Make Time for Self-Care When You Have a Hectic Schedule

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Trying to balance your work, social and family responsibilities each day can be exhausting. And while running behind these responsibilities, finding time for yourself can seem impossible. But, taking ample rest, eating healthy, and staying active is the bare minimum you should strive for, as these will keep stress at bay and give you the energy to tackle what life throws at you daily. In this article by Health Care New York, we’ve compiled five self-care strategies that can be easily incorporated into your hectic schedule.

  • Sleep Early

As the CDC reports, adults require at least 7 hours of sleep each night. But along with the duration, the time you sleep is important as well. Our circadian rhythm, i.e., the body clock functions best when it’s in sync with the timings of natural light. Hence, you should plan to go to bed around 9-10 pm and wake up by 6 am.

Not only will proper sleep improve energy levels and mental sharpness during the day, but waking up early will provide you a head start over others and some much-needed alone time in a household when others aren’t early risers.

  • Drink Plenty of Water

Do you commonly feel tired throughout the workday? It could be due to the simple fact that you don’t drink enough water. Research shows that 3-4% dehydration can reduce productivity levels by up to 25%. The recommended daily intake of fluids for men is 3.7 liters, while for women, it’s 2.7 liters.

One of the simplest ways to keep track of your intake is to buy a water bottle and consistently drink from it every hour. If it is a 1L bottle, you should ideally fill it 3-4 times to reach the recommended limit.

  • Include Physical Activity

Whether it be at home or in the workplace, the convenience brought on by technology has made a living a sedentary lifestyle the norm. Between sitting for prolonged periods at the office and sleeping at night, we now spend the majority of our time in inactive positions. Hence it comes as no surprise that instances of neck, back, and joint pains, even in younger adults, are higher than before. Other common occurrences include weight gain, fatigue, diabetes, and cardiovascular diseases.

If you consider your schedule too packed to make time for the gym, there are still various ways to remain active:

  • Consider purchasing a bicycle to commute to work

  • Make a conscious choice to take the stairs rather than elevators at work

  • Make time for a brief walk around your neighborhood every morning or evening

  • Review Your Eating Choices

What you eat has a direct impact on how you feel. If you stay away from donuts and pizza at work but come home and munch on other carb-laden snacks such as cookies, packaged snacks, etc., you’re not doing yourself any favors. A defining characteristic of these foods is the spike in energy that they provide shortly after consumption due to an increase in your blood sugar levels. But when these levels come down naturally, so do your mood, energy, and productivity levels.

Instead, make the switch to a healthy meal and snack choices, which include products made from whole grains, fruits and vegetables of all colors, and fermented foods which are rich in probiotics.

  • Tackle Work-Related Stress

There is nothing more stressful than feeling stuck in a job that provides you with no sense of fulfillment. While a good salary can help push on for the short term, in the long term, you’re bound to want a change. Currently, workers have numerous options at their disposal when it comes to making a career change, from making the switch to freelancing to starting their own online business.

Additionally, one can consider completing a professional development course to learn in-demand skills and make the switch to a better role. For those in the healthcare industry, here’s an example of an online medical coding course.

Making small lifestyle changes can help seamlessly integrate self-care into your daily routine. But when it comes to making a career switch, a new accreditation such as a medical coding course will help to accelerate the process and land a new role that you enjoy.

Do Not Trash Until You Know

In the good old days of the 70s, where you were trashing everything, now you have to educate and inform about what is trash, and what is not, where hard plastics go or fit in the recycling world.
If you leave in Manhattan within its five boroughs always call 311 it’s kinda hotline for whatever information one may need. If you are a computer wiz, well there are several websites to go to.

Below you will find your wave:

The site is very easy to navigate, I try myself, you can trash it after you learn a little bit more, and one more reminder, Salvation army also has a pick phone number where you can call and schedule a pickup time, which usually is Wednesdays. Salvation Army is not run by NYC.gov, just thought to share info.

Everything it Could go Wrong it Went Wrong

My mother was adopted by her aunt(the family connection comes from the fact that the aunt who adopt my mother was married to my mother’s biological uncle. So the woman who I grew up calling and knowing as grandma is my second aunt. My grandma was diagnosed with Alzheimer’s and boy let me tell you how hard was, end of 70’s early 80’s we did not know what we were doing, for how long, or how well we were doing. We were just doing. It was a nightmare. Everything that could, went wrong, my grandma, was a runner, so we need to be paid strict attention to doors, and because she did not have balance, she became prone to fall down, I remember one occasion when I was going out to bike with my friends and I saw her on the floor, I scream for help and off she went to be hospitalized.

Enduring months at a time, in the hospital, and every day we used to go to visit her. Painful and horrifying was to see her sleeping away. My mom did not have any other siblings so no sharing duties or anything else, but my grandma’s siblings used to come every Wednesday to talk to her and cheer her up giving my mom a break, but my grandma, just wasn’t there, my father took upon himself to cut her toenails, I work as her aid, believe or not waking up in the middle of the night to make sure she wasn’t gone, and changing her legs bandages because the water in her body was liking through her skin calves.

Her final hospitalization was her last everything. Alzheimer’s had her after all. Financially speaking no we would not have the means to have her transfer to a nursing home, and quite frankly back in those days, in Brazil people who went to nursing homes were people dean crazy. Now that I worked in the healthcare field for the last 15 years, when a family says they can’t afford, it or they have to talk with other family members to make a pool, I know in my heart they are financially stranded. For all the families out there who have a loved one in need of in-home care and don’t have the means to hire a caregiver I understand.

But I also say whoever needs medical professional help they are better off at home. With a part-time aid and some family members covering the other end. All the family needs to do is come together and pool their resources, have one leader to set schedules, and explain what needs to be done, not only financially but emotionally as well.
Lost for Alzheimer’s we lost big, and continue to lose as long as the disease can’t be treated or have definitive answers. For all the families out there who have a loved one suffering from Alzheimer’s and don’t have the means to hire a caregiver I understand.

Fake? And How do You Identify?

Today I received an email in my business email account saying that my online bank access was blocked due to suspicious activities. Nothing specifying what was suspicious, and of course, one has your lights flashing because I did withdraw from my account yesterday, but what had my lights flashing was the fact that I do have an account with the mentioning bank, but the emails don’t go to the email I received.
So that propelled me to think about why we click on those pesky links and infect our computers with viruses and oftentimes lose our minds and our hard-earned money to scammers? Answer. CURIOSITY

I know that my bank account is not linked with that email account, so why do I have to open the email? Because scammers will count on me to be CURIOS. I want to know why, how, and when, so I open the pesky email. It’s a scam, and the scammers pry on our own curiosity. You live in a building. The buzzer goes off, and you open the downstairs door without asking who it is? And to ice the cake, you open your own apartment door and await in the hallway; to be a mug, God knows what more. If I didn’t order anything to be delivered or expect any visitors, why do I have to open the door? CURIOSITY.

A message from Chase.com would not look like these Chase (otp.ch4023@lcomaztrabels.com) fake.
A real email from Chase.com looks like no.reply.alerts@chase.com, not fake.

I again urge all of us to be alert and related to the fake emails. Just hover your browser over the sender, and if something appears like the fake chase, don’t open delete, or block the sender.
My job is to protect myself first.

Safe Disposal Event

On June/5/2022, by registration, only the event will run from 10 am to 4 pm @ Columbia University/ Teachers College, W 120 St between Broadway & Amsterdam Avenue.
You can finally take your stuff to be safely disposed of. Do you know when you look at your apartment and or backyard and come to the conclusion that its time? Or if your loved one is living in a condition where it is no longer safe to be like it is, then it’s time to assist.

Here are a few more links of information. If you are not sure whether the item is electronic or an appliance, there is a website for that; you need more details because you are still feeling unsure; below, you will find some more links. I try all of them, so go ahead and check them out also. I will bring these reminders on our social media pages @ hhcagency/2011. You can also call 311.

on.nyc.gov/safe-mn | Register Here
nyc.gov/electronics
nyc.gov/safedisposal
Thermostats and Thermometers go to thermostat-recycle.org

Why Your Tax Refund Should Not Just Be a One-Time Surprise Cash Windfall

At some point during the year, many of us look forward to the possibility of receiving a surprise cash windfall after submitting our tax returns. And while it may be tempting to want to splash out on something we’ve been eyeing for a while, here’s why we should rather be putting our tax refunds towards investments and savings that will benefit us in the long run,‌ ‌courtesy‌ ‌of‌ Health Care New York.

Use it for emergency funding

Life is unpredictable – we know that much. And if we haven’t been prioritizing our health as much as we ought to, then this could result in health issues down the line. Certainly, medical bills are expensive, especially if you don’t have spare cash lying around to cover these costs. This, therefore, could be the ideal time to think about putting money aside from your tax refund to go towards these unplanned, often unanticipated expenses.

Looking to the future

In this case, it would be your child’s future if you weren’t able to financially provide for them anymore due to a job loss or health reasons, for example. Again, you could start setting aside money from your tax refund to go towards a 529 plan that will accumulate over the years to eventually be a nice nest egg for your child should they wish to pursue a tertiary education one day.

Invest in a holiday timeshare

Perhaps, you feel overworked lately and your mental and physical health is taking a strain from it. Maybe you’ve decided that a holiday once a year is just not enough to recharge your batteries. In this instance, you could always purchase a holiday timeshare with some of your tax refunds so that you can make going away more often a regular occurrence.

Switching careers

Better yet, maybe you’ve decided your current working arrangements no longer suit what you’re looking to get out of a job. Then you could use some of the cash you’re expecting towards starting a business you’ve only ever dreamed about. So, putting money towards the initial start-up capital to get your business going is sure to be a sound investment that’s likely to be fruitful for many years to come.

Spoil yourself a little

Perhaps, it’s high time you just did something for yourself for a change. For example, if you’ve been longing for a day trip to New York, now could be your chance to spoil yourself a little. Maybe it’s been on your bucket list to climb the Statue of Liberty for some time, so why not treat yourself a bit with some of your tax by taking a trip there?

Or maybe you want to surprise your significant other with ballgame tickets to watch their favorite team. Or, if you just want a special date night, a NY Yankees game can be pretty romantic. You could get discounts on your tickets if you book with TickPick for example, and you can even choose a date, price, and seat rating that would suit you best. Plus, they even offer a 360-degree virtual tour of the view from where you’re likely to be sitting so that you know what to expect.

In conclusion, while saving can be hard to do, it is easy to look forward to when you know that your eagerly anticipated tax refund will probably lead to many surprises, (not just one or a few) down the line.

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Fall Prevention

We all are at risk, but the more we know we are better off, understanding the whys and why not is what will help, so take steps to prevent falls. For all caregivers out there, always review and evolve within the patient, sometimes you may do something that is not on the books and it is a great hint, to share your ideas on our social media pages. Here I put together 13 ideas.

  1. Exercise to get stronger, by being active helps to improve strength and balance.
  2. Review your medication with your healthcare provider review all your medications.
  3. Keep pathways clear, remove clutter from the home.
  4. Have your vision check regularly.
  5. Wear well-fitting shoes these are very important not to tie very strong or very loose your sneaker and whenever you can use the velcrons type (stay away from sleepers).
  6. Remove throw rugs and eliminate slippery flooring.
  7. Make sure all around the home you have adequate lighting, if you are to wake in the middle of the night to go bathroom have a well-light hallway with night lights.
  8. In your bathroom, if you have a tube or stall have a crab bar and a shower chair, also I would put in a shower mat to assist.
  9. In the kitchen avoid area rugs, they can catch in your shoes and make your trip and fall if you have a low cabinet (under the sink) have a stool to sit on instead to bend.
  10. If your home is a second store consider using the office as your bedroom avoiding going up the stairs.
  11. Carry your phone with you, sometimes you may lock yourself outside the house (done that a few times myself) and when you are in the bathroom or kitchen with slippery floors.
  12. These tips may be seen as a bit controversial when I used to work with families and their loved ones at home, when I had to go down to the basement to do some laundry, I request and was granted permission for a baby monitor to assist me within monitoring my patient in case I had to run to the situation.
  13. When drying or dressing sit down, never try to hurry, and always have devices that can help you put on socks and shoes without bending forward.

With and Without Diploma

The point I am trying to make across is every worker deserves a great salary, no doubt, but when you don’t have a degree, your choices become very restricted; being an aide has to turn into a quick cash kind of deal, I do what I want the job. Many so-called domestic workers are seniors themselves who many had not had a chance to go to college or have a better education and now are flooding the home health care industry with their so call experience by taking care of their own family members.

Every time we onboard a new client, I hear a complaint about they don’t want and are tired of people coming to their homes and not just stealing from them as well as they stay on the phone most of their working hours time. Some aides are afraid to call 911 when an emergency arises. Some are immigrants and are afraid to be taken in custody, unable to explain what’s going on with their patients/clients. They are simply unprepared for a lack of professional experience and training.

On the other hand, I also have great friends that at heart they think they are seeking what is best for their friends, and think that requesting a graduated geriatric case manager worker to assist with a friend’s daily needs, mental health issues, tidying up and grocery shopping and worked for $20.00 to $35.00 an hour that won’t be happening. Why? One would not make an effort to go to college for six years, finance and refinance and actually get in debt for the $20.00 to $35.00 an hour. To hire a nurse to supervise a client at the shower, turn in bed, observe how to perform bowl routine, assist the client with nebulizer and cough assist, copping the nurse requested $75.00 per hour for three days, without sleep in. To attend a home health care class will cost you around $1500.00 for three to six weeks course, including the hours you have to have to experience nursing home facilities.

This has to stop; your friend needs professional medical help at home, they need a home care attendant with Dementia care, or whatever their home care needs, they don’t need a geriatric case manager when there is a diagnosis of Dementia.

You are a good friend, but you should not intervene in what you think it should be. Your intentions are well placed; however reality, it isn’t every single family who can afford the $75.00 per hour, and health insurance also is known for put a break into paying for everything as well, to have health insurance paid for the services, there is have to have a diagnosis first, doctor’s order. Companionship for your parents is out-of-pocket expenses, not health-related charges. Your loved one is alone at home with dialysis needs, and health insurance has to apply. The aide is essential, so your loved one has the means to go to a dialysis center or at-home machines.

When a geriatric case manager crosses over to the private sector is because the salary can be much higher than he/she is making right now. A home health care aide struggles to make a living with $15.00, oftentimes is very demeaning where the geriatric case manager receives the praise and the home health care aide do the heavy lifting. There are situations where a home health care aide is expected to overperform and deliver for the $15.00.

One way we can stop this unbalance? Home healthcare aides need to have a college degree and or refreshed courses. Do you want to work with disabled individuals, seniors, or mental health patients, you have to have certifications training and be limited by its agency the number of times you check your phone; otherwise, you should be interacting with your disabled individual, senior or elderly patient and or client, all these should not be a problem if you were trained and certified. Certification and training are never enough to keep yourself in the job market. If you don’t have the means to go to college, workshops will help. You need to know how to interact with a patient with mental health issues. No one wants to pay for someone else to come to their home, sit down at their couch and talk on their phone. It’s about time to see a home health care aide as a professional, maybe the lowest medical professional in the healthcare spectrum, nevertheless a medical professional. Being an aide means being a professional caregiver, home health care aide, personal care assistant, and certified nurse aids.

There are no formal education credentials required to be an aide, which brings us to many immigrants and uneducated people trying to make quick cash without fully understanding the responsibility of being an aide. Is it the same to say that you are a nurse in your country? How about the country you are in right now?
Without education, you lose your ground for argumentation, you have no bases to prove a point, and the older you get without the diploma you need, you won’t have a chance in the job market, you will be pushed down by those who have the geriatric case manager degree.