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One New Years Resolution You Don't Have to Keep to Be a Winer

Published: February 1, 2018

One New Year’s Resolution You Don’t Have to Keep to Be a Winner

Making a resolution to improve your finances puts you several steps closer along the road to a better bottom line, based on data from Fidelity Investments’ eighth annual “New Year Financial Resolutions Study.” Looking for a resolution that will pay off and pay dividends?  Simply resolving to pay more attention to your finances improves the chances that your financial health will improve.

According to the Fidelity study, 45 percent of individuals who reported making financial resolutions at the start of 2016 were more debt-free at the end, compared with 34 percent of individuals who did not report making any financial resolutions within the past year. In addition, those who made financial resolutions were more likely to say they felt financially secure compared to those who didn’t make resolutions (45 percent vs. 34 percent).

The study also found that the three most popular financial resolutions for 2017 were saving more (50 percent), paying off debts (28 percent), and cutting back on spending (16 percent). Among individuals who went beyond making a resolution and actually followed through on it, 66 percent reported that they were “in a better financial situation.”

The potential for “unexpected expenses,” such as home repairs or medical bills, can derail financial security, but consumer education can help.

“For those whose resolutions fell short in 2016, almost three quarters said they were derailed by unforeseen expenses, so setting aside an emergency fund can create a buffer,” says Ken Hevert, Fidelity’s senior vice president of retirement. Fidelity’s online guide, Three Financial Resources for 2017, can help  consumers discover how small changes can add up to improve the family finances.

“Whether it’s a new roof for your home or a medical emergency, the unexpected can throw your finances for a loop,” Hevert explains. An especially smart tip from the guide that anyone can apply: switch to no-fee financial institutions instead of paying $43 in bank and credit card fees, and invest the money instead. After 20 years, with a hypothetical compound ann

Signs of Nursing Home Neglect and Elder Abuse

Published: February 1, 2018 by Aaron Crane


Signs of Nursing Home Neglect and Elder Abuse

Moving a loved one into a nursing home is a difficult decision. Families doing this expect their loved one to be treated properly and with dignity. The unfortunate truth is that nursing home neglect happens more often than one expects, affecting millions of people in America every single year.

--- Vulnerability of Nursing Home Residents ---

Nursing home residents are most often not able to care for themselves any longer and are admitted into such a living situation because of their personal vulnerability to injury or death if not cared for in supervised accommodations. Most residents are over the age of 65, although some may be younger people with disabilities. 

Many of these residents do not have another place to live due to limited personal resources or few family members in close proximity. Families unable to care for their elderly loved ones may place them in a home to ensure they receive the best possible attention and treatment that cannot be provided at home. Lack of space, financial issues, long work hours, other obligations and situations may apply that prevent families from caring for their own family members in a family environment.

--- Neglect of Nursing Home Residents ---

One in three residents of nursing homes suffer from neglect, according to recent studies of American eldercare homes. Neglect is a failure to provide the attention and services required for personal security and comfort of residents. Neglect is not always an intentional act by nursing home staff or management. It is the existence of the situation that causes danger, harm and anxiety to people living in these homes, however. 

Federal and state laws regulate how nursing homes must be operated. Neglect can be attributed to overlooking issues of importance, ignoring resident needs and even direct actions of staff leading to grief or misery of residents, whether or not physical harm occurs.

--- Warning Signs of Nursing Home Neglect ---

Nursing home residents who do not have regular contact with family members are more often the victims of neglect than those who are frequently visited by family members. Family visitations should include careful observance of the elderly person to look for any signs of neglect or abuse. 

Bed sores, stiff joints and other physical signs may be present to indicate there is a problem of neglect when the individual is left in one position for too long on a bed or in a chair. Medical neglect can occur when ailments or injuries are not treated or are improperly handled. There may also be signs of behavioral changes in the elderly person, staff behavior changes toward the patient or limited access to your loved one. Malnutrition and dehydration may also be present. You may have noticed increased frequency of trips to the E.R., hospital or other medical facilities.

--- Prevention of Nursing Home Neglect ---

There are many ways that nursing home neglect may occur. But many incidents can be prevented. By being aware and observant of the circumstances of your loved one’s living arrangements, behaviors and care, you can be quick to notice nursing home neglect, should it occur. 

Ongoing and regular family contact is the best way to keep nursing home neglect from happening. A thorough background check should be conducted into the performance of a particular nursing home before family members are admitted to the facility. Medical boards provide information about infractions or problems at a nursing home, in regard to abuse and neglect. Caretakers should be screened through background checks by a nursing home prior to employment. This can be confirmed before admitting someone you love into such a facility.

--- When Nursing Home Neglect or Abuse Occurs ---

When nursing home neglect or abuse is suspected, it should be promptly reported to law enforcement. Such abuse or neglect can lead to criminal activity at the facility, if left unchecked. When injuries are discovered, medical attention should be provided through licensed medical professionals outside of the nursing home to ensure the victim is treated and issues causing the problem are resolved.

--- A Lawyer Helps in Cases of Nursing Home Neglect or Abuse ---

Whenever nursing home neglect or abuse occurs, it is important to contact a legal representative. This lawyer should be experienced in nursing home care issues and protection of victims living in these facilities. The lawyer can investigate the problems of the facility and gather evidence of abuse or neglect for the case. Lawyers may recommend hiring an expert witness who can help substantiate claims of neglect and abuse and in regard to injuries suffered by the victim. A qualified lawyer can help locate other victims within the establishment who may have suffered the same abuse or neglect

Sound Advise On How To Stay Young

Published: February 1, 2018 by Stanford Dewey


Sound Advice On How To Stay Young

 

Many people are fearful about growing older, but aging does not have to be a bad thing, if you recognize the right approaches to keep healthy as you grow older. Like with any kind of health topic, you need to be educated about what you can do to prevent signs and symptoms of aging. This article contains a number of tips about aging that may help you look and feel more youthful.

As with so many areas of life, the secrets of staying young, and aging well, have to do with taking care of yourself. Eat right, drink plenty of water, get 8 hours of sleep each night and maintain a healthy social life. All of these things have been shown to reduce the appearance of aging, as well as keeping you healthier and happier. 

Mental exercise is just as important as physical exercise when it comes to keeping your mind fit as you age. For that reason, challenging your mind every day is crucial to keeping it fresh and alert. The quickest and easiest way to do this is simply to try a new version of something you already know and like as often as possible. That could mean cooking a new recipe every night or simply doing a new crossword every morning. Find out about 

It is important to treat yourself as often as possible to improve the way that you feel and gain more confidence. The next time you have off, go to the local spa near you and get a facial. This will help to exfoliate the surface of your skin, so that you can look your best and instill a warm glow to your complexion. 

Prepare your aging skin before applying makeup, for a more youthful appearance. As skin ages, it loses the ability to retain moisture. Your skin prep routine needs to take as much time as your make up. Try using a moisturizing mask to re-hydrate your skin for 15 minutes, then apply moisturizer to lock in hydration. Your makeup will now glide on and look beautiful. 

The older you get the more difficult it will become for you to find and maintain a job. This is for two reasons, first there is a general fear of hiring people who are elderly, but secondly it will actually become more difficult for you to maintain the same level of energy you need for the jobs. So, it is important to stay fit, and to keep up to date with changes in your area of interest or expertise.

Not only will learning about computers help your mind stay nimble, but it can open a whole new world for you. Aging doesn't mean that you have to live in the good old days forever, so ask your friends or family to teach you how to use a word processor to create greeting cards, or how to upload photos to Flickr!

Having a positive outlook on life can give anyone a more youthful vibe and appearance. This article has given a lot of great ways to keep yourself in check when it comes to your age, and also how to be the best that you can be no matter what the number. I really hope all these recommendations will help you stay healthy and fit no matter what your current age. Keep in mind your current age is just a number and actually has absolutely nothing to do with precisely how healthy and balanced you genuinely are.

Ir's ALL in the Believing

Published: February 1, 2018 by Cheri Neal


It's ALL In The Believing

Growing flowers from seed is a LOT of work. Not physical work exactly, but more of a discipline. One must care for the seeds, making sure they get water on a regular basis and that weeds don't take over. If you aren't invested in the flowers growing, if you don't believe that they will actually bloom into gorgeous specimens, you are less likely to remember to take care of them. Not believing they will bloom leads to not taking care of them, which leads to them not blooming - a self-fulfilling prophecy. 

Make no mistake, having one seemingly dead seed produce an entire harvest of gorgeous blooms IS a miracle. But to make that miracle happen, it takes believing and nurturing that belief. 

How does this same scenario play out in life? The miracle I dreamed of was wanting to be a professional speaker. I would, honest to God, sit in the front row of motivational events wishing that the speaker would spot something in me and encourage me to follow that dream. I never said anything, never did anything but wish. Then one day, I met a professional speaker at a conference I attended. He shared with me that the National Speakers Association actually helps individuals start professional speaking businesses. The meetings were two hours away, during the weekday and expensive, but I was so excited, it didn't matter. I attended every meeting, joined the academy, bombed my first speech and quit. I sulked for a while, joined Toastmasters and went back. I locked myself in my home for three days and finally figured out what I would speak on, got help in creating a logo, business cards, one sheet, website and worked hard on my talks. I said yes to anyone who would invite me to present. And I stopped allowing myself to sabotage by that voice in my head that was so desperate to keep me safe and small. And then, a miracle happened. At age 53, I became a professional speaker. 

Another miracle was my struggle with my weight . . . my ENTIRE life (no exaggeration). Then one day I quit and had a literal come to Jesus meeting (or Higher Power, God, Source, Spirit, whatever works for you) stating that I was done! I informed my God that I had two non-negotiables: I would NEVER diet again AND I would release 30 pounds. I did not know how it would happen but trusted God to show me. Shortly after, I heard about a study where scientists worked with rats to get them addicted to cocaine, and then gave them the choice between cocaine and sugar water. The rats chose the sugar water every time! Hearing that made me so angry, as I realized I was nothing more than an addicted rat to sugar! On that day, August 1, 2016, I quit sugar 100%. No will power needed (after I got through the withdrawals which weren't pretty!). I am now 35 pounds lighter and have never felt better. A miracle for sure! 

What miracle are you hoping for? What are you willing to draw a line in the sand and step over to make a miracle happen? What seed can you plant and then water, to grow YOUR miracle? DO IT ALREADY, would YOU?

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