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Downsize When Retiring: Balance Your Budget & Make a Great New Start

3/22/2023

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Downsizing your home is a great option for retirees. The considerable money it can generate helps safeguard you and your family’s future. In addition, moving to somewhere smaller can also mean moving to somewhere you prefer, anywhere in the country, and there are always ways to manage the reduction in living space.

The Downsizing Bonus Helps You Secure the Future

Nationwide, on average, you can save a couple of hundred thousand dollars by moving from a 4-bedroom home to a 2-bedroom one. That’s enough to pay off debts, set a young relative up with an apartment or a college education, or simply build up savings for the years ahead and changeable factors such as healthcare costs.
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The downsizing gain can be several times the national average within regions with high housing costs such as California. And, of course, moving from a higher-cost to a lower-cost state, or from a major city to a small town, also puts a lot more in your bank account.

Get Organized for Your Move & Your Smaller Space

You can carry out the moving process yourself, but it is usually better to book a reputable professional company well in advance. You can also rent a self storage unit at low cost near your new home so everything can be moved there in one go, leaving you to transfer your belongings into your new space on your own schedule when it is completely ready — you don’t want the rooms full of furniture if you need to decorate them.
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With your downsized living space, now is a good time to rationalize your possessions, so sell furniture, toys and other items you can do without or donate them to charity. And you can leave items you don’t use regularly in your storage unit — for example sports gear, tools and seasonal decorations — so they don’t clutter up your new, smaller home. ​Get Organized for Your Move & Your Smaller Space

​The List of Top Retiree Destinations Always Includes Florid

Choosing a new place to live is an exciting thought for retirees! The best US metropolitan areas for them will prioritize factors such as the cost of living, safety, tax burden, healthcare provision, year-round weather, life expectance and leisure options.
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The Florida metros centered on Cape Coral, Sarasota and Tampa get high marks for seniors, with golf, beaches, winter warmth and safe environments. Considering a 4-bedroom Tampa home costs $508K on average, compared to $283K for a 2-bedroom, you could save $188K after taking into account closing costs and property taxes, and renting a Tampa self storage unit would help extend your living space.

​Northern Retirement Destinations Earn You More Downsizing Money

If you have a more limited budget, metros such as Ohio’s Cleveland-Elyria and Dayton-Kettering tend to have housing costs around half what you would pay in Florida’s retirement hotspots. Costs of living are lower there, too, while the provision of health care and social assistance is reckoned to be good.
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Maybe you can’t face becoming a Cleveland Browns fan! New York’s Albany-Schenectady-Troy and Connecticut’s Bridgeport-Stamford-Norwalk are also both known to have good healthcare provision and safety. Meanwhile, the metro centered on Providence, Rhode Island, is known for its provision of age-restricted accommodation — apartment communities set up especially for seniors, generally with a 55+ age rule, meaning that it offers downsizing retirees a particularly appealing range of housing options. 

Downsizing your home could be one of the best decisions you will ever make, and also it ticks all the same boxes for those already happily retired, boosting finances and giving the impetus for a new start in life. The best retiree destinations across the US include not only places where you can stroll on a beach but also fine cities offering great value for your downsizing dollar and much more besides. 
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How to Retire at a Disney Resort

3/14/2023

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If you’re a Disney fan nearing retirement, you’ll be happy to know that the Magic Kingdom is planning to make your golden age a wonderful experience!

For now, this is only a concept, but dreams and wishes are the very foundation of the Disney empire, right? Well, there are other factors involved, but right now, we know that Disney is creating a special community for its 55+ fans who want to continue to enjoy their beloved stories and characters.

Located in California, this community will provide a luxurious retirement experience for anyone interested in living among their favorite Disney characters and entertainment opportunities. The community will include amenities like a clubhouse, swimming pool, and fitness center, and will be surrounded by the incredible beauty of Walt Disney World.

If all of this sounds appealing, keep reading to learn how to turn your golden years into a truly magical experience.

Story Living Communities

Disney’s vision speaks of Story Living communities enriched by “The Disney Touch,” managed by Disney Cast Members who are trained and experienced in delivering world-class service.

The first such community, named Cotino, is planned to be built in Rancho Mirage, California, but if things go well, chances are Disney will expand to Florida as well. After all, Florida is one of the most affordable places to retire and home to Walt Disney World parks and resorts.

Also, this wouldn’t be the first Disney-powered community in Florida. The company has tried its hand in real estate before, with communities like Golden Oak or Celebration, in an effort to attract more people through the good-old Disney charm.

For instance, residents of Golden Oak get a series of benefits, such as VIP tours, special event tickets, shuttle service, and even holiday decorations (in the spirit of Disney, of course). The great news is that people love this approach, so any new communities should have similar perks.

Side note: If you can’t wait until retirement and are looking for Disney perks now, check out ParkSavers.com - here, you’ll find anything Disney-related from news, how-tos, and discounts.

​What to Expect from a Disney-Powered Retirement Community

​According to its concept, the Cotino community should include accommodation options for a wide range of people, with a section designed for 55+ residents. In addition to the residential areas, Disney plans a mixed-use district where residents can shop, enjoy their free time, or enjoy a delicious meal out.

Besides this, there will also be plenty of space for various activities such as golf, watersports, walks in nature, and more. There’s also a private beach area, where residents can enjoy lazy mornings and afternoons, and plenty of room for club activities. Moreover, residents will have access to wellness programs, entertainment seminars and classes, and live events. Of course, many of these activities and entertainment options will be Disney-themed!

And, if you’re still having doubts about living in a retirement community designed by Disney, we should add that you’ll be served and assisted by Disney employees. These are well-trained people who know how to create a stellar customer experience and how to make people feel like magic is all around.
Wrap Up
Disney’s retirement community promises a unique combination of luxury, convenience, and nostalgia. Plus, it will be easier to convince grandkids to pay you a visit or even live with you over the summer.

Overall, communities like Story Living may be the perfect place for Disney fans to retire and create memories that will last a lifetime. However, we’ll have to see when these plans will become reality and whether the end result holds up to the dream.
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How to Find Money in Your Home Equity

3/9/2023

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Finding extra cash can be a difficult task for any family. There are countless bills that most of us need to think about every month, not to mention everyday expenses to cater for, like food and utilities. If you don’t have the time to take on a second job or expand your earnings with a freelancing strategy, it could feel like you have no way of accessing extra money. However, if you own your own home (or even just a fraction of it), you could already have money available to you that you’re not aware of. 

Unlocking some of the value tied into the equity of your home means you can access cash for renovations, family vacations, and more, without having to sell your property or take out an expensive personal loan. Here are some of the options you can explore. Homeowners throughout the world with mortgages have seen the equity in their properties grow substantially in recent years. This equity gives homeowners an opportunity to unlock additional cash, without having to give up on their current lifestyle. There are a few different ways you can utilize the equity in your home and here are the most common options.

​Home Equity Lines of Credit (HELOC)

​Perhaps the most flexible way to take advantage of the equity in your home, a HELOC is a type of second mortgage which offers a revolving balance. You can tap into the equity you’ve already built up in your property, without having to sell anything. You borrow only what you need at any given time, then pay off the balance so you can borrow again later. HELOC options are close to having a credit card, but the interest rates are generally much lower. 

Additionally, there are no closing costs, and often highly adjustable rates to take advantage of. With a HELOC, you can leverage significant amounts of cash from your home, without placing yourself at risk of excessive extra debt. However, like any form of loan, a HELOC has pros and cons to consider, and this strategy might not be right for everyone. If you’re thinking of exploring the benefits of HELOC lending, you can learn more online and get to know how a home equity line of credit works so it can help you with your decision.

​Home Equity Loans

​Home Equity loans are a little more straightforward than a HELOC, but they’re less flexible. Essentially, they work like a second mortgage which you can access for a specific set period. You’ll be able to requires borrowing a specific amount of money and pay it back according to a rate chosen by your loan provider. This is a highly structured form of lending. Although home equity loans can be beneficial for some homeowners, they have some significant disadvantages you should also be aware of. These loans tend to have a higher interest rate than a standard mortgage.

Cash-Out Refinancing

Unlike other forms of home equity solutions, cash-out refinancing doesn’t always require you to take out a second loan. However, it can provide additional funds to a homeowner. In this instance, you’ll work with a lender to refinance your home for a larger amount. This will allow you to access the additional money available to you in cash.

What’s the Best Way to Access Home Equity?
Home equity can be an excellent resource for those looking to take advantage of additional forms of cash and funding. If you need to build extra money for any reason, then tapping into your home equity could be an excellent solution. However, there’s no one-size-fits-all strategy for success. The smartest strategy for leveraging your home equity will depend on your plans, what you want to do with the money, and your current situation. When it comes to your credit, what your score is can also come into play when you’re making your decision. It’s worth talking to a professional about your options if you’re not sure which equity method will work best for you.
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How to Make a Career Change to Programming in your 40s (Step-by-step guide)

3/9/2023

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There used to be a time when a person went to college, studied, and committed to a job or industry until retirement. However, over the last decade, things have changed; with rising costs of living and people working for longer, many people are enjoying more than one career in their working life. 

Rather than seeing retirement as the end of work, today it can be seen as the end of one career path and the opportunity to begin another one. Similarly, while tech jobs used to be seen as the younger person’s career choice, there is plenty of scope now for people in their 40s and beyond to pursue a career in tech. 

Making the move to tech

In today’s digital world, there are plenty of programming jobs available, which makes it a relatively safe career option for people of all ages. What’s more, rather than allowing your career to slowly fade out as you age, pursuing a career in tech will allow you to do something meaningful, varied and well paid while also offering you the flexibility to  work from home or work hours to suit your lifestyle, potentially allowing you to enjoy semi-retirement while still having a successful second (or third!) career. 

Research the opportunities.
If you are unsure of whether a career in tech might be right for you, it can help to have a look around at the different tech jobs that are available. This will give you a good idea of the opportunities that are available right now, as well as the working hours, flexibility, pay and other benefits that you can hope to expect if you decide to train for a programming job.

Assess your skills.
You may not have a wealth of experience as a programmer, but as an older person, you will possess a wealth of experience that someone straight out of college is unlikely to have. Make a list of your skills, starting with your previous encounters with technology (depending on your previous career you may have more tech experience than you realize), before looking at the attributes and skills that you have which will help you to be an effective programmer. 

Consult a tech recruiter.
Once you have a good idea of what you might like to do, and your existing skillset, get in touch with a tech recruiter. They will be able to take your strengths and experience, confirm the opportunities that are available to you, and advise you of any gaps in your knowledge and skills that you need to address prior to making applications. Programming jobs are unusual in that they don’t require college degrees; there are different routes to getting the right experience that you need, and a tech recruiter will have a great insight into what employers are looking for, as well as what they are happy to teach on the job. 

Define your expectations.
If you were a senior manager in your previous career, it can be tempting to look for jobs at the same level in your new career. It is a good idea to manage your expectations and recognize that as you are starting a new career, you may need to aim for entry-level jobs with the plan of working your way up again. However, bear in mind that previous skills and experience may mean that you progress more quickly in subsequent careers than you did in your first one. 
 
Train!
With an idea of what is available, what skills you have, and what kind of job you would like, you should have developed a good idea of what skills you need in order to get the jobs that you want. There are different training options available, including formal college training, online courses, apprenticeships and self-teaching. A tech recruiter will be able to tell you what most employers in the industry tend to prefer. 

Actively seek employment
Whether you are retired already, or looking to switch careers, it is a good idea to keep an eye on the employment market throughout the process to see what opportunities come up, which jobs you feel are best suited to you and your lifestyle. Once you are ready to make the move towards your new career, it is time to move from general research to the active searching phase. If you have skipped speaking to a tech recruiter until now, it is definitely worth getting on their register as they will know of current and future opportunities that will be a best fit for you. 

At a time when there are more programming jobs available than there are skilled programmers to fill them, a new career in programming could be a wise choice, regardless of your age. As long as you are willing to learn and are committed to providing the same level of hard work and commitment at the ages of 40, 50 or 60 as you did at the age of 20 and 30, there is no reason why you can’t have a fulfilling and successful career in tech.
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10 Fantastic Reasons to Take Up Photography in Retirement

3/7/2023

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When you retire, you have all the time in the world to travel, see your family, or simply relax, but a lack of a career may leave you feeling empty. We often connect our feeling of purpose with work, but there are other ways to find meaning. For example, you could take up photography
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10 Reasons Why Retirees Should Take Up Photography

While the possibilities are never-ending, photography is a good hobby to explore. There are so many great reasons for being a photographer in retirement. 

Here’s 10 you should consider. 

1. Spend Time Outdoors 
Photography can encourage you to get outdoors. You can use your camera to capture the beauty of nature or to photograph urban landscapes and people. As you explore new areas for the perfect shot, you’ll be soaking in all the natural delights your city or town has to offer.

2. Stay Sharp 
Photography can help to keep your mind active. As you get the perfect framing or exposure levels for the perfect shot, your cognitive functions will be stimulated. As long as you’re learning new skills and exploring, you’ll have a great activity on your hands that improves mental health.

3. Create Art 
Your retirement is the perfect time to master a creative skill, and with photography, the possibilities are vast. For example, you can take whimsical images, turn your photos into art to hang on the wall, or create collages. You could even sell your photos or display them at expos.

4. Capture Life 
Do you have plenty of photos of your family and friends? Or perhaps you’re looking for that next angle or a new perspective for a special event. If you’re in retirement, you’ve got the time to capture moments that matter, which you can then turn into photo books of unmatched quality.

5. Connect With Other People 
Photography is often a shared experience. When you take a photo, you’re connecting with the people it captures. Whether you’re taking a portrait of a family member or immortalizing a happy moment with your fellow retirees, you’ll be creating memories that can be treasured forever. 

6. Develop a Sense Of Flow 
As you hone your craft, you’ll likely find yourself in a “flow” state. Artists often get “into the zone,” which is a total state of focus and relaxation. It helps you get absorbed in the creative process. If you’re shooting images for fun, the success of the image you create will be a reward in itself. 

7. Express Yourself 
Photography gives you the opportunity to communicate through art. You can document your own stories and share them with others by conveying certain emotions, thoughts, or ideas. If you’re someone who holds back their emotions, photography can bring those out in you.

8. Reach New Heights 
Photography can be a great way to stretch yourself, try something new, or find a different perspective on something that you do regularly. You could explore aerial photography or opt for underwater shots. Either way, you’ll gain a different understanding of the world you live in. 

9. Experiment 
With photography, you can experiment with techniques, camera equipment, and filters. There are plenty of new ideas to explore and techniques that can enhance your creativity. The trial and error of it all will no doubt lead to plenty of learning experiences and hundreds of cool moments. 

10. Share With Others 
When it comes to photography, showing is almost as fun as taking a shot. Whether you opt for the coffee table book version or an online photo book, you’ll have fun sharing your images with others. Your works may even inspire other retirees to take up their cameras and start shooting.
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7 Common Causes for Car Accidents and How to Avoid Them

3/3/2023

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Car accidents are a major potential downside of getting behind the wheel, but driving has become a necessary part of life for most people. Over 42,000 people died on a yearly basis as a result of car accidents, which goes to show the importance of learning how to avoid this event. The first step in learning how to avoid a car accident, however, involves identifying what the most common causes for accidents are.
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7 of the Most Common Car Accident Causes

As mentioned, a person needs to understand what the most common car accidents are in order to spot the signs that one may be about to occur. While a car accident can happen for any reason, the below seven causes are among the most common culprits:
Distracted Driving
In the modern age, distracted driving has become an even more common cause for car accidents. Cell phone devices such as the iPhone have presented new stimulants for drivers out on the road. Texting and calling are among the primary causes for distracted driving accidents, but even taking your eyes of the road to change music on your device is deadly and illegal. If you notice a driver near you continuously glancing away from the road, keep extra distance between yourself and them. 

Driving Under the Influence
Driving under the influence is illegal in the United States of America. On a daily basis, roughly 32 people die from drunk driving accidents, with more on top of that when taking into account other drugs. If you see someone swerving erratically on the road or changing speeds on a whim, it’s possible they are under the influence. Leave extra space between you and that vehicle and attempt to contact the authorities if it safe to do so.

Driving While Tired
A lesser recognized cause of car accidents is simply driving while exhausted. We’ve all been on a road trip where it seems to never end, but when you feel your eyes start to droop it’s best to get off the road. If there is another driver in the car, pull over and allow them to take over driving duties so that you can get some rest. 

Speeding While Driving
Speeding is another common cause for car accidents. Over the last two decades, speeding has been present for one-third of all motor vehicle fatalities that have occurred, going to show how deadly it can be. If you notice a driver speeding rapidly in your rearview mirror, it’s best to maintain your lane and allow them to pass you, as opposed to quickly switching lanes to get out of the way. 

Reckless Driving
At the end of the day, some drivers choose to drive in a manner that knowingly presents a risk to all others on the road. Reckless driving is another common cause of car accident that is difficult to prevent. As a driver, always signal your intentions, follow speed laws, and adhere to the rules of the road rather than making your own rules. 

Driving During Poor Weather
Poor weather conditions can cause a large number of accidents, especially when they occur in areas that don’t usually receive that type of weather. For example, the first rainfall in most states is the most dangerous, as the rain lifts many oils from the road that can create slick conditions. Always drive slower in bad weather to help prevent accidents. 

Hazards in the Road
Finally, hazards in the road can cause drivers to make quick and unexpected lane changes that can cause accidents. While it’s not possible to always avoid an object on the road, do your best to scan the road ahead of time to give yourself more reaction time.

How to Avoid Getting Into a Car Accident

In the long run, car accidents can result in injuries that don’t show symptoms until later in life, making it all the more important to avoid an accident in its entirety if possible. Below are some of the best strategies for avoiding a wreck:

Handle Business on Your Phone Before Driving
While it can be tempting to touch your phone when a song you hate comes on, avoid doing it at all costs. Set your music and send any texts you need to prior to taking your car out of park and answer any phone calls in a hands-free manner to prevent distracted driving on the road. 

Limit Night Driving as Much as Possible

While driving at night is impossible to avoid in its entirety, try to limit the amount of time you spend on the road at night. Besides increasing the likelihood that you’re tired, night driving comes with reduced visibility that can pose a danger to you and other drivers on the road. 

Handle Preventative Maintenance on Your Vehicle Regularly 
Preventative maintenance refers to the regular scheduled checkups all vehicle owners are supposed to handle on their vehicle. These checkups can help prevent major breakdowns from occurring, which can cause an accident if one occurs while you’re on the road. By handling this maintenance ahead of time, you can reduce the risk of an accident. 

Follow the 12 Second Rule
When on the road, all drivers should be scanning 12 seconds ahead of them on the road, rather than staring straight ahead. This will allow you to see any road hazards, traffic, or other dangers on the road before they are on top of you. 

Follow the 3 Second Rule
Similar to the 12 second rule, all drivers should also adhere to the three second rule. This refers to keeping a three second gap between you and the car in front of you. To test this, pick a marker on the road such as a street sign, and wait to start counting until the car in front of you reaches it. Ideally, it will take you three seconds or longer to reach the same point. 

Stay safe out on the open road
Keeping yourself safe behind the wheel of a vehicle is incredibly important for your health and the health of other drivers. However, you can’t control the actions of other drivers which is why contacting a lawyer when an accident occurs should also be a priority. If there is disagreement over who caused the wreck or issues with insurance providing compensation, a lawyer can help you get what is rightfully yours. 
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Why Nurses Should Prioritize Continuing Education

2/28/2023

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As a nurse, you are dedicated to improving patient care and committed to providing the highest possible quality care. Continuing education is essential for staying on top of the latest healthcare technology and treatment advancements to accomplish this goal. Also, continuing education helps you stay ahead of industry changes, build new skill sets, and advance professionally. All these are key components for successful nursing practice. Let's cover in detail why continuing education by nurses is necessary and how it can help further your career success.
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Benefits of Continuing Education for Nurses

Continuing education for nurses is an invaluable asset that can provide multiple benefits. Below is a comprehensive list of these benefits.

Improved Patient Care

Nurses who invest in continuing education courses are better equipped to identify changes in a patient's condition quickly and accurately. Additionally, access to greater medical knowledge allows them to customize treatment plans to meet each patient's specific needs. The combination of these two elements leads to a level of care that is both effective and compassionate.

Developing and Diversifying Skillsets

Continuing education helps nurses develop and diversify their skill sets significantly. Advanced courses can teach a wide range of topics, including the following:
  • Disease management
  • Health promotion strategies
  • Pharmacology issues
  • Medical ethics
  • Critical thinking skills
  • Communication skills
  • Leadership skills

As a nurse, you can provide more comprehensive care daily with these additional skill sets. Furthermore, such skills make you a more attractive candidate for other employers should you pursue new job opportunities.

Retaining Your Nursing License

Every state has its requirements for licensure renewal. In some states attending certain hours' worth of approved continuing education is a requirement for renewing one's license. Thus, attending these courses can help nurses stay current on important regulations and also help them maintain their credentials as licensed professionals in the nursing field.

Keeping Abreast with Current Nursing Practices and Technology

As the medical field evolves, so do the best practices for patient care. As a nurse taking part in continuing education courses, you can stay current on technological changes, treatments, medications, and other aspects of medical practice. With this knowledge, you can provide definitive diagnoses and treatment options compared to when you had limited access to such information.

Increased Opportunities for Career Advancement

Continuing education gives nurses unique opportunities to demonstrate their commitment to advancing their career goals. This happens by taking on additional responsibilities or pursuing specialized certifications in the following areas:
  • Critical care
  • Emergency medicine
  • Hospice care
  • Gerontology
  • Wound care management

This shows employers that you are willing and capable of handling increased responsibility. Also, it increases your marketability and chances for career advancement within the organization and outside of it.

Higher Earning Potential

As nurses become more knowledgeable through additional training programs or certification courses, they can command higher salaries than those without such qualifications. This is due to having demonstrated mastery over more areas of expertise throughout their careers.

Additionally, those with specialized certifications may qualify for managerial positions at healthcare institutions where applicable. This could lead to further career growth and increased earning potential. Remember, there are multiple bonuses and other compensation packages typically associated with senior-level roles.

Effective Strategies for Pursuing Continuing Education for Nurses

As a nurse, you must keep your qualifications and skills up-to-date. To achieve this, you need to pursue continuing education opportunities. Here are a few effective strategies nurses can use to do so:

Undertake Nursing Courses (In-Person or Online)

Taking nursing courses is one of the best ways for nurses to stay current with the latest developments in the field. Various options are available, from online courses accredited universities offer to in-person classes at local community colleges. Nursing courses can help nurses develop new skills and build upon existing ones.

Attending Medical Conferences

Attending medical conferences can be an invaluable opportunity for you as a nurse to network with other professionals in the field. You can also learn about the most innovative medical advancements in your practice fields. At medical conferences, nurses can also access recent research findings and learn about new treatments or procedures that may be useful in their work settings. Coat Connect is an excellent platform that offers medical professionals medical conferences.

Certification Programs

Certification programs are specialized programs that focus on specific areas of nursing. They help nurses gain specialized knowledge in their area of practice. For example, you may pursue critical care or pediatric nursing certification to maintain expertise as a nurse. Certification programs also provide recognition for nurses who demonstrate a high level of proficiency within their specialty.

Medical Workshops

Medical workshops are short-term events designed to help participants gain practical knowledge about their field. Topics covered at medical workshops often include new treatment methods, safety protocols, medical device usage, communication strategies, patient care techniques, and more. Such workshops provide an interactive learning environment where nurses can learn from experienced professionals while interacting with peers with similar interests and goals.

Final Thoughts

Nurses should prioritize continuing education as it is essential to keeping up with the latest advancements in nursing practice. Continuing education helps keep nurses abreast of the changing medical landscape and allows them to develop their skills and competencies further.

By pursuing effective strategies for continuing education, such as attending conferences, nurses can ensure they stay ahead of the curve in providing quality care.
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Practice Makes Perfect - How to Teach an Old Dog New Tricks

2/24/2023

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​While the expression “You can’t teach an old dog new tricks” is used to mean an individual who is too old or stuck in their ways to learn new things (which isn’t actually true for most older people!), a variation of the expression was first used in the sixteenth-century work “Book of Husbandry” by John Fitzherbert to refer literally to teaching new skills to an old dog.
 
If you have an older dog, it is not too late to teach your pooch new tricks. Here’s how to go about it. 

​Use the Positive Reinforcement Approach

While older dogs can find training sessions challenging, their difficulty levels and limitations will depend on their specific physical and mental conditions.
 
Therefore, before you begin teaching your old dog tricks, consult a veterinarian to ensure that your canine friend is in the right condition to learn new skills.
 
Once your veterinarian gives you the okay, use the approach known as positive reinforcement.
 
That involves being patient with your dog and rewarding your dog with dog treats to help him or her to stay motivated to learn new things.
 
Treats can be healthy, too. For instance, you can get the best probiotics for dogs at Honest Paws to help support your dog’s digestion and immune system.
 
An older dog actually has the capacity to focus better and for longer than younger dogs, so teaching your old dog new tricks might even be easier than training a puppy!

​Take Your Dog’s Previous Training into Account

As mentioned above, you need to be patient when teaching new things to an old dog. Furthermore, studies show that dogs, just like humans, need time to unlearn things before they can learn new things well.
 
Therefore, to make progress, you should consider your dog’s previous training.
 
If your dog had a previous owner, try to find out what training your pooch received. If you had your dog from a puppy, remind yourself what training your canine friend went through when he or she was young.
 
By understanding your dog’s previous training, you can better determine how to start the new training phase.
 
You may need to start with the basics again before moving on to more challenging tasks.

Build Trust with Your Dog

​The greater your bond is with your dog and the more trust you both have with each other, the easier it should be for your dog to learn new things.
 
So, you may want to spend time building more trust with your dog before you begin the training process; and ensure you continue to build trust throughout the training phases.

Keep Training Sessions Shor

Your dog will be more motivated and eager to please if you keep your training sessions short.
 
So, when teaching your dog new tricks, don’t overdo it.
 
You should recognize and respect your dog’s limitations.

Start by Teaching a Single Trick

​Following on from the last point, your dog will learn more easily if you start by teaching him or her a single trick.
 
Older dogs can become confused by too many different commands, so take things slowly.

Be Encouraging

You should never underestimate the power of positive reinforcement.
 
So, make sure you consistently show your dog how pleased you are with the progress he or she is making. And remember to reward with tasty treats.

Final Thoughts

​Teaching an old dog new tricks is undoubtedly possible, but it will take time. Typically, it can take an old dog about a month to learn a trick for the first time.
 
So, be patient, be consistent, and follow the above suggestions. Practice makes perfect.
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How to Help Your Partner Achieve their Career Goals

2/15/2023

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Ask most couples and they’ll say the best relationships are nurturing, and supportive. When you decide to share your life with someone, whether a boyfriend, girlfriend, or spouse, you naturally become invested in their goals, and ambitions. We want to see the people we love succeed. Sometimes, this could mean providing your partner with additional help and guidance when they’re taking important steps in their life. 

If your loved one wants to start a new career, improve their earning potential, or pursue a new professional path, you may be the first person they come to for support. The more reassurance and help you can give your partner as they work on their professional goals, the more aligned and connected you’ll become. So, where do you get started?

Communicate Effectively

Communication is at the heart of any solid relationship. We can’t help our loved ones if we don’t know how to communicate with them. Start by letting your partner know they can come to you to discuss anything connected to their career, from concerns about clients, to ambitions and goals. If your partner wants to accomplish something specific with their career, help them to set the right targets for success. 

Ask them about their motivation, exactly what they want to achieve, and any challenges they think they might face along the way. Work together on coming up with a plan and encourage your partner to keep you in the loop with their progress. Opening the door to consistent communication from day one will help your loved one feel like they have someone in their corner when they’re tackling career challenges. It should also ensure you don’t end up arguing over issues like financing and schedules, because you’ll be able to discuss these things in advance.

Invest in their Education

​For the most part, pursuing a specific career or professional goal will require at least some investment in education. The most attractive, highest paying jobs typically require candidates to hold specific degrees or qualifications related to the industry or role in question. Depending on your relationship with your other half, you might be able to offer direct financial support, sharing some of your savings so they can minimize the amount of money they need to borrow to go back to college and earn their accreditation. 

However, if you don’t have a lot of money to share, there are still ways you can be helpful. If you have a better credit score than your partner, you could consider cosigning a student loan with Earnest, to help your loved one get the best possible deal on the money they borrow. This could even help you to reduce the amount you need to pay back together in the long-term.

Help Them Manage their Schedule

​If your partner has decided to pursue an entirely new career, which requires them to get a new education, or spend more time out of the house, working overtime or networking with peers, then you might have to take on some other tasks around the house. Most partners who live together or share a decent portion of their lives will share the load for household tasks.

However, you may need to be prepared to do a little more than your standard share if your partner is dealing with a particularly hectic schedule. While you shouldn’t push yourself to the point of burning out on your partner’s behalf, it might be worth looking for areas where you can offer a helping hand. Taking over some daily duties like taking out the trash and washing clothes on your partner’s behalf can give them more time to focus on pursuing their goals.

​Be Their Personal Cheerleader

Some career goals take years to accomplish, and many come with numerous challenges to overcome, not to mention various sources of stress. There will be times when your partner might feel overwhelmed, emotional, or incapable of reaching their targets. The best thing you can do during these moments is show your partner how much you believe in them. 

Remind them of how far they’ve come and support them with love and understanding. Encourage them to avoid focusing on their failures, and instead celebrate their accomplishments. Celebrating small and big successes together is a great way to keep your partner motivated and discover new bonding opportunities for you as a couple. Look for ways to celebrate everything, from your spouse getting a raise or promotion, to them dealing with a difficult client or boss at work.

Help Your Partner Thrive in their Career

​Achieving career goals can be a time consuming and stressful process. However, it helps to have someone on our side who can be there with us through thick and thin. Acting as a crucial source of support for your spouse or other half during their career transition is a wonderful way to show them how much you care.
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Helping Your Kids in Retirement: How Much is Appropriate?

2/12/2023

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Retired persons in 2023 probably usually to two generations. They might come from the Silent Generation or the Baby Boomer Generation. These individuals usually have ages in the 60s, 70s, 80s, and 90s.

Many individuals this age have worked for most of their lives, and now they are enjoying retirement. Some have money put away, and they’re doing fine financially. Others might not have as much. They are on a fixed income, but they’re doing okay.

If you have kids, though, you might wonder whether you should still support them financially. We’ll talk about that a little bit right now.
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​Should You Offer Advice or Money?

As someone from an older generation, you can offer your grownup children your wisdom. You might also offer them money. But which has more value?

You can give your grownup children suggestions whenever they ask for them, on virtually any topic. You might tell them that paid immigration consultants offer superior services over free ones or that they should never let their car’s gas tank drop below a quarter full. Your kids might want your money much more than they want your advice, though.   

You probably have kids in the Generation X or Millennial age groups. They might be in their 50s, 40s, or 30s right now. They probably have their own kids, vehicles, homes, and all the struggles and challenges you did at that age.

Money helps with many such challenges. An extra cash infusion lets them get their teenage child a used car, so they can drive themselves around. They might use the money you give them for some much-needed home repairs. Do you owe your child any financial obligation, though?

​Retired Individuals Approach This Situation Differently

Various retired persons regard their obligations concerning their children differently. You might feel like after your child turns eighteen, you shouldn’t give them any more money. Maybe you never had parental help following your eighteenth birthday or even before that.

You may feel that your kids should stand on their own two feet, make their own money, and support their own families. You may think this builds character.

On the other hand, you might feel that if you have extra money in retirement, you should throw your kids a few bucks now and then. You probably have grandchildren now as well, and maybe you like spoiling them.

Which Approach Will You Choose?

​People have different opinions, and what one retired person thinks might not fit another retired person’s mindset at all. Many older individuals act depending on how much money they have.

If you have plenty of money, and you’re not left wanting in retirement, you might help your adult children for that reason. It may bring you joy helping them, especially if you see them struggling. Some grown adults work one job, while others work two or even three. They might still struggle with bills, especially if their jobs do not pay them much.

Your grownup children might also live in expensive cities like Los Angeles, New York, or Chicago. There, even working fifty or sixty-hour weeks sometimes isn’t enough. If your adult children have their own kids and other financial obligations, building up any savings rarely becomes possible.

​It’s Each Retired Person’s Individual Choice

​No one can tell you how to use your money. If you've got a spouse or partner, you can talk it over with them and make a mutually-acceptable decision. If you have some extra cash, though, you might consider using it for travel or for your own hobbies. You may feel it’s your money and you earned it. You can use it however you like.

If you see your adult kids struggling, though, guilt may drive your actions. You may feel you must help them at least a little bit financially sometimes, as they have inflation and stagnant wages holding them back.

You might have a situation where you and your adult kids can help each other. They might have a spare room where you can live, and you have money you can contribute to keep the household running.

If you’re getting older and don’t like retirement communities or assisted living, this situation might appeal. You can use your money and help the younger generations. They, in turn, can help you as you age.

Think about how to use your money in retirement. If you have more than enough, and you have needy kids, your kindness might help them immeasurably.
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Should You Go for Cancer Screening When You are Feeling Fine?

2/10/2023

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The short answer is yes! The main purpose of a screening test is to find cancerous cells or changes that may indicate the presence of such cells before the patient starts experiencing symptoms. In most cases, if a cancer is caught early, the chances of recovery are high. Therefore, regular screenings are important and should not be overlooked. 

Plus, as you get further in life, screenings are a must-have since certain cancers start developing in the later stages of life. Still, for many people, the idea of cancer screening is a bit scary (especially for people well into their golden years), which is why they tend to put it off. 

Today, we’ll have a look at why cancer screening is important.

​Helps with Early Detection

​Most cancers don’t have symptoms during the early stages. However, if left unchecked, adult cancers tend to migrate toward the brain, turning into metastatic brain cancer.

If this happens, the disease is already advanced, and the patient may not have that many options The metastatic brain cancer survival rate has improved considerably, but it’s still a diagnostic that may predict early demise.

All this can be prevented with regular cancer screenings and tests. The sooner a cancer is detected, the better it will be for the patient’s chances of recovery and long life. It’s also important to remember that brain tumors are no longer the heavy diagnostic they used to be. Depending on their type and origins, there is the option of surgical treatment for brain tumors, and the recovery rate is promising.

​Factors that Increase the Risk of Cancer

​While risks vary depending on the type of cancer, specialists agree there are a few conditions that may put patients at a higher risk.

Age and Weight
Sadly, the risk of developing cancer (one type or several) increases with age. This is why medics everywhere recommend screenings for patients in their forties and older.

Of course, screenings should be combined with eating healthy, keeping your weight in check (as much as possible), and being active. These steps are essential for a healthy body and mind, regardless of your age. Plus, if you’re retired, it’s just as important to stay active and social. You can do this by pursuing your passions and connecting with people who have similar interests.

Tobacco Use
Tobacco use has been linked to an increased risk of a long list of cancers, so patients who have this habit should find a way to quit as soon as possible. Don’t shy away from talking about quitting methods with your doctor if you find you can’t shake it off on your own.

Family History of Cancer
While it’s not always the case, there are situations when cancer can be passed through genes. So if you have a family history of cancer, especially one that was passed from one generation to another, start your screenings earlier than forty. 

However, keep in mind that history is not diagnostic; it’s just a factor that puts you at a higher risk.

​Overscreening is a Possibility

The reason why doctors recommend different types of screening for different age groups is to make sure the tests do their job while causing as little harm as possible. According to the United States Preventive Services Task Force (USPSTF), there are certain age thresholds that we need to be aware of when it comes to screening.

For instance, people over 74 shouldn’t get colorectal and breast cancer screenings unless there are needed. The same goes for people over 65 and cervical cancer screening. This is because, above those ages, it’s likelier that patients can get harmed by the test itself, which may lead to further complications.

​Key Takeaway

Regular cancer screenings are important, but at the age recommended by specialists. Still, each person is different, which is why it’s important to have a chat with your general practitioner about it.
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Turn Back the Hands of Time With These Delicious Meals

2/9/2023

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Good nutrition is important to reduce the risk of chronic diseases. Seniors who eat healthy food live longer and have a lower risk for obesity, diabetes, heart disease, and obesity. If you’re concerned about your health, these tasty salads can improve chronic pain symptoms and more.

​10 Tasty Salads That Turn Back the Clock

The following salads can do a lot to alleviate joint pain in the knee, but if you’re looking for a more permanent solution, you can try a non-invasive knee treatment from a local clinic.

  1. Kale and Quinoa Salad
    This hearty salad is packed with nutrients and anti-inflammatory elements like kale, quinoa, and walnuts. Add a touch of olive oil for extra flavor, or add some feta or cheddar cheese if you want a bit of creaminess. Either way, you’re in for a tasty salad that’s tasty and healthy, to boot!
  2. Beet and Carrot Salad
    Beets contain betalains which are natural antioxidants known to reduce inflammation in the body, while carrots contain beta-carotene, which helps to fight free radicals in the body. Toss together with some olive oil and lemon juice for an easy side dish or light lunch option. 
  3. Avocado and Cucumber Salad
    Avocado is full of healthy fats that make you feel satisfied, while cucumbers are rich in lignans which reduce joint pain as well as provide essential vitamins and minerals to the body. This simple salad is great on its own or served over a bed of greens for an added crunchy texture. 
  4. Salmon and Greens Salad
    Wild salmon offers plenty of omega-3 fatty acids that have been known to prevent heart disease and stroke, while dark leafy greens like spinach provide magnesium that can help soothe sore muscles after exercise. Top off with some olive oil or vinaigrette dressing for a delicious meal!
  5. Chickpea and Feta Cheese Salad
    Chickpeas are one of nature’s best sources of protein, while feta cheese provides calcium to strengthen bones and joints. Both ingredients can relieve aches and pains that are caused by arthritis. Mix them together with some tomatoes and cucumbers for some added flavor.
  6. Almond Butter And Chia Seed Bowl
    According to senior diet research, you should eat plenty of almonds and chia seeds for their nutrients. Almonds offer magnesium, while chia seeds contain omega-3. Both have lots of protein. Combine them with some yogurt, and you’ve got an excellent-tasting dinner.
  7. Roasted Vegetable Salad
    This colorful medley contains tons of antioxidants from roasted vegetables like sweet potatoes, bell peppers, squash, and onions. This combination will also give your body an extra boost thanks to the nutrients in the vegetables—great news if you suffer from chronic pain or illness.
  8. Spinach and Strawberry Salad
    Spinach contains vitamins A, K, iron, folate, and more, making it a superfood. Strawberries, while not as nutrient-packed, still contain folate, manganese, and vitamin C. They’re also a great way to add some sugary goodness to your salad and taste great with a balsamic vinaigrette.
  9. Broccoli Slaw With Apples And Cashews
    Broccoli slaw combines all kinds of powerful ingredients: broccoli (high in calcium), apples (rich in polyphenols), and cashews (which provide essential fatty acids). You can add some cabbage to give the slaw some more depth, but don’t forget to add some honey mustard dressing on top.
  10. Sweet Potato and Black Bean Bowl
    Sweet potatoes offer complex carbohydrates along with beta carotene, vitamins A, B6, C, E, and potassium, so you could say it’s another superfood. Combined together with black beans, you’ll get a nice mouthful of plant-based protein that’s nutritious and low in fat and cholesterol. 
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Why Hospital Beds Are a Must-Have for Elderly Care at Home According to an Expert

2/6/2023

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Hospital beds are the most important part of elderly care at home, according to an expert. These can improve the quality of life of older adults by making it easier for them to move around and make them safer at night. 

The right hospital bed also ensures they have proper protection during sleep. So, read on to know more about why hospital beds are essential for home care for seniors.

Easy Monitoring

One of the best ways to keep a loved one safe and comfortable is to monitor their condition at home. It is essential to keep an eye on how they are doing, especially if you're providing elder care services in your own home. 

It can be done by having a bed with a monitor attached so you can check up on them whenever possible. It will help ensure they receive the correct type of care when they need it most.

Hospital beds can also help monitor patients' vital signs and alert their families when their loved ones need help.

​Safer Than Traditional Bed

According to experts, hospital beds are safer and even better than traditional beds for elderly people. It is because hospital beds equipped with the latest safety features are designed with complete protection in mind, providing easy access to patients, medical staff, and caregivers.

Know more about why:
  • The headboard can be raised, lowered, or even removed so that it does not come into contact with the body during a fall.
  • Both the patient and the caregiver can use a bedside commode.
  • The bed has multiple beams to prevent falls from occurring.
  • It has wheels so that it can be rolled away if necessary.

The best hospital beds are designed to help your elderly loved one feel safe and secure. You must choose the right bed for them and a model that meets all their needs.

For example, if your elderly loved one has mobility issues, they may benefit from a hospital bed that offers extra support and stability. If they're prone to falls or other accidents, they might want a bed with built-in safety features like side rails so they can't accidentally roll off if they fall asleep.

An important thing to remember is that even though your elderly loved one won't be able to do much on their own anymore, it's still essential for them to feel safe in their own home—even when they're not living there full-time. That's why choosing the right kind of hospital bed for elderly care at home is crucial.

​Promotes a Lot of Health Benefits

As the number of elderly people increases, so does their need for hospital beds. The reason is simple: as we age, our bodies undergo many changes that can lead to pain and discomfort.

However, not all beds are created equal. A good hospital bed will provide comfort and support while promoting many health benefits, including improved mobility and blood circulation.

A good hospital bed will help you get up and move around quickly while supporting a sturdy frame that prevents you from reclining or falling on your face. A suitable hospital bed should also be easy to fold away when it isn’t needed so that it won’t take up much space in your home or apartment.

​Easy to Use by Those Who Have Serious Medical Needs

Those with serious medical needs must have easy access to their beds. For these people to get the best treatment, they need an easy way of getting from one point to another. It means there should be no problems getting in and out of bed.
It is why hospital beds are a must-have for elderly care at home, according to an expert. Not only are they easy to use, but they also come with great benefits.
The most common reason behind this is the different medical equipment available to them, such as oxygen tanks, intravenous drips, etc., which those with serious medical needs can easily use.

Final Thoughts

​The hospital bed is vital to senior health because it can improve their quality of life while making it easier for family caregivers to maintain a much-needed sense of structure. 

With the help of a hospital bed, older family members can experience less pain and more significant relief while they recover from an illness or injury. It's a great addition to any senior care at-home plan and worth looking into further.
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5 ways you can use your life insurance policy to pay for retirement

2/5/2023

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The cost of senior care can be extremely daunting for retirees. According to Assisted Living, independent living can cost anywhere from $1,500 to $4,00 a month, while residing in assisted living facilities has an average cost of $3,500 to $10,500 a month. 

While most people view life insurance as a way to care for their loved ones after they die via the death benefit, permanent life insurance policies can also be cashed out to access funds for retirement planning. To get the most value out of your policy and make the best decision for your financial future, check out the following 5 ways to use your life insurance policy when nearing retirement: 

​Obtain the Cash Value from a Permanent Polic

Whole life, universal, variable, and indexed-universal are all considered permanent life insurance policies that have the death benefit. According to Harbor Life, the death benefit is defined as the money beneficiaries will receive after the death of the policyholder, which is typically given as an untaxed lump sum payment. By paying the premiums for these policies, you are both keeping the policy active and contributing to an investment account where cash value grows. This includes both the money you’ve contributed, along with the interest you’re earning through investments. 

The cash value component of a permanent policy makes it a great way to fund retirement while simultaneously getting life insurance coverage. As you age, you’ll also eventually be able to use the interest earnings to pay premiums and keep the policy active, as long as the policyholder is contributing enough.

​Invest Premium Savings from a Term Policy

While permanent policies offer coverage throughout the duration of your life and accrue cash value over time, term insurance only offers coverage across a specific window of time (1-30 years) and as a result, will not build cash value. 

Since term policy premiums are typically cheaper than a permanent policy, policyholders can use the cost savings to create a retirement fund that can be used for things like senior care.

​Borrow from the Policy through a Loan

Policyholders with whole life insurance can use their policy as collateral through a whole life loan program. This allows retirees to get a one-time, tax-free distribution that can be paid off with interest in life, or be taken from the policyholder’s death benefit. Retirees might be able to go through their insurance carrier if whole life loans are offered, or utilize a third-party whole life loan program instead.

​Surrender Your Policy to Recoup Value

​If you’re nearing retirement and can’t afford your policy premiums, you can choose to surrender a permanent policy, which immediately terminates coverage. Individuals who choose this option will receive a check that includes the cash surrender value of the policy minus the surrender fees. According to Harbor Life, cash-surrender value is the amount of money a policyholder receives by surrendering their policy to the insurance company, typically equivalent to the current cash value of the policy minus loans, interest, and surrender fees.

While surrendering your policy is an option, it’s not recommended. Policyholders will only receive one “take it or leave it” offer from their insurance companies, and you’ll get a minimal return. Instead, you can get a far higher offer by taking your policy to the secondary market and selling it through a life settlement.

Sell Your Policy Through a Life Settlement

​You might not know it, but your life insurance policy could be one of your most valuable assets. According to Harbor Life, a life settlement is a transaction that involves a policyholder selling their life insurance policy to a third-party buyer for a lump-cash sum payment. In addition to a large cash payment, you’ll save additional money for retirement by no longer needing to pay expensive insurance premiums. With a life settlement, you can receive as much as 60% of your policy’s death benefit, which is 4 to 11 times higher than surrendering it.

​Get the most out of your life insurance policy and enjoy a comfortable retirement

Given the average cost of senior living skyrocketing, covering increasing nursing home costs can be challenging. Rather than relying on Medicaid to pay for assisted living, seniors can leverage their life insurance policy to unlock years of built-up wealth and get the retirement they deserve.
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What to Look For When Shopping For a Home in a Growing Community

2/2/2023

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Whenever you are looking for a new home, you aren’t just buying a home because of the structure of the house or the number of bathrooms it has. You are also buying a home to be a part of a community. One of the things to look for is what is around your home, because that community is going to be a part of your new life. 

If you are shopping for a home in a growing community, there are a few extra things you need to consider before you make the purchase of your new home. 

Here’s what to look for.

​What Is Essential For You?

​While even the earliest communities have some essential shops and amenities nearby for you to access, you also need to think about what is essential for you and your family. Do you need a park nearby to walk the dogs? Do you need a hardware store nearby because your home is a fixer upper? Or do you want to have a certain store nearby because you only shop there?

Making a list of what is needed for your home or family before you shop for your home, as well as what you can wait for as the community grows is going to help you pick your home. Then you can get your essentials taken care of while growing alongside the community.

Talk To The Locals

​Of course, the best way that you are going to learn about what living in the still-growing community is like is to talk to people who have done it themselves. So don’t be afraid to talk to your potential neighbors or look online to get some ideas about the community from the people who live there and who are already enjoying the area.

You will be able to see what they like about the area, where they go to get some essentials, and you might even be able to get a head start on what is coming to the community too.

Look For The Right Real Estate Agent

Getting a home in a growing neighborhood can require some extra questions being asked, and some extra boxes being checked. In order to make sure that you have the best home in the new neighborhood market, you need to reach out to trusted real estate agents and make sure you work with a team who has experience dealing with buying homes in growing neighborhoods.

One of the best teams that you can work with is the team at PrimeStreet, who connect the customers to the best houses in their area, and they don’t only know about the locally developed areas, but they also know about the still growing neighborhoods as well. 

Getting the right real estate agent for your needs will ensure that you are able to get the best house in the growing neighborhood. Plus, you don’t want to spend a lot of time in a growing neighborhood while also in a house that requires a lot of care… That is often more frustration than it is worth!

Take Advantage Of A Growing Neighborhood!

​No matter why you need to move into a growing neighborhood, don’t see it as a disadvantage. There are plenty of key advantages to living in a growing neighborhood, especially if you have a young family that needs to grow and wants a neighborhood that will grow with them. 

Just make sure to look for the right signs before you make a move, and then you can move into a growing neighborhood just like any other neighborhood.
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Staying Safe on the Road: 10 Safety Tips for Senior Drivers

1/31/2023

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While a person may feel years younger than they actually are, the unfortunate truth is that driving becomes more dangerous the older you get. In fact, according to the CDC, drivers over 70 have higher crash death rates per 1,000 crashes than middle-aged drivers. This is a direct result of increased vulnerability to injury in the event of a crash. 

Due to this higher probability for injury, staying safe as an elderly driver must always be a top priority. While some tips for safe driving stay the same regardless of your age, others are directly attributed to a rising age. Consider the following 10 tips to keep yourself protected on the road:
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10 Tips for Older Drivers to Stay Safe

  1. Limit your distractions
    At any age, distractions can take your focus off of the road and lead to car accidents. Put all smartphones away, set up your music, and finish your food before hitting the gas pedal. Additionally, when actively driving on the road you may find things that distract your eyes. If you witness a car accident, for example, avoid rubber-necking which can lead to another accident. Instead, focus on the road to pull over safely before seeing if you can help. 
  2. Avoid driving at night
    No matter how you look at it, driving at night is more dangerous than driving during the day due to reduced visibility. In fact, 50% of all traffic deaths occur at night despite the fact that only one quarter of all driving happens at night. As humans begin to age reaction time and eyesight both generally begin to decline which can make night driving far more dangerous. 
  3. Rethink taking certain routes
    Highways and high traffic roads can become difficult for aging drivers to navigate. Before ever leaving your house, plan your route ahead of time to ensure you don’t end up on a road that will put you in a dangerous situation. Even if a route you’re planning will take you longer than a straight-shot, it’s better to be safe on the road. 
  4. Always wear a seatbelt
    Regardless of your age, wearing a seatbelt is an absolute must when hitting the open road. The data on seatbelts is overwhelming and proves without a doubt that they save lives. As you begin to age and become more prone to injury, wearing your seatbelt becomes even more important than it already is. Even if you’re going for a two minute drive around the block, make the choice to buckle in and follow the law. 
  5. Avoid driving in bad weather conditions
    Bad weather conditions can lead to highly reactive driving. For aging drivers, this can present a problem. When the weather takes a turn for the worse, consider rescheduling your plans or asking someone else to take you wherever you need to go. 
  6. Don’t drink and drive
    Another tip that should be followed regardless of your age, never get behind the wheel after you’ve been drinking. Even after a single drink, older drivers tend to show higher levels of impairment compared to younger drivers. While the safest amount of drinks to have before getting behind the wheel is always none, it’s more dangerous for older drivers to drink even if they’ve only had a small amount. 
  7. Get your vehicle inspected
    Older drivers should routinely have their vehicle inspected for damage and to just have fluids replaced under the hood. This can help to prevent mechanical breakdowns that may occur on the road which would put a person in the potential position to get into a car accident. 
  8. Have your eyes checked by a doctor yearly
    Nobody wants to be unable to drive anymore but sometimes a person’s eyes get to the point where it becomes a risk for everybody. On a yearly basis, get your eyes checked by a doctor to make sure that it is safe for you and other drivers if you are out on the road. Driving when you shouldn’t be can result in serious legal consequences and the rescinding of your driver’s license. 
  9. Follow a regular activity program
    Physical activity may not be the first thing that comes to mind when imagining how to be safer out on the road, but it’s quite important. Regular physical activity can help keep both your mind and body sharp, improving your reaction time and overall awareness. These two factors are crucial when driving on the road, so be sure to get regular physical exercise as you age. 
  10. Leave a large follow distance between cars
    Finally, leave more space than you normally would between vehicles as you begin to age. Reduced visibility and slowed reaction times are a dangerous combination, but leaving a gap between your vehicles and others can mitigate this risk. On top of this, don’t be afraid to drive a little slower so long as you are not interrupting the flow of traffic. 

General Additional Tips for Safe Driving

​All of the above tips are excellent ways to be a safer driver on the road, regardless of your age. To that end, here are some additional safe driving tips to keep in mind:

Consider investing in extended warranty, if your warranty is expired, to cover maintenance and repair costs
Maintain proper hand positions on the wheel
Keep a safety kit in the back of your vehicle at all times
Drive defensively, but be prepared to move offensively in a safe manner
Don’t multitask, no matter how good at it you think you are

Car crashes are extremely common, with a 16-year high having occurred in recent history. Learning how to drive safely on the road has never been more important, regardless of your age. Use all of the above tips to help prevent a car accident and to be a better all-around driver.

Increase your safety on the road by being prepared

Facing the results of aging can be extremely frustrating, but acknowledging your limitations is important for driving safely on the road. Just because you’re getting older doesn’t mean you need to stop driving, it just means you need to be more aware of everything around you. Take preventative action by getting your vehicle inspected, as well as your eyes, and plan your routes ahead of time. If you are in a car accident, assess yourself for injuries before focusing on exchanging information with other drivers. ​
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Appropriate Ways to Appreciate Recent Retirees

1/27/2023

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No matter what type of business you have, people are eventually going to retire, and they are going to be very good people. Whether they’ve been with you from the beginning or have been the ones who have pushed your business to entirely new heights, you will certainly be feeling a lot of emotions from their retirement.

From sadness because of their loss to worrying about how in fact you are going to replace them, there are a lot of different things moving around for you, but you can’t forget that you need to appreciate those who are retiring as well.

But how do you do this? How do you make sure that you can let the recent retirees feel appreciated before they walk out the door? Well, here are some appropriate ways to celebrate them!

​Thank Them For Their Service And Go Down Memory Lane

First, a letter or other item that sincerely expresses your thanks to the retiree is a great idea. There are plenty of ways that you can write out letters to your retirees and thank them for their service, but you shouldn’t stop at just a letter or a simple thank you. Now these letters aren’t just about saying thank you, but you should also go down memory lane.

These retirees have been around for quite a long while, and they likely provided a lot of help and support for your business. So don’t just thank them, but run them through their highlights. Give credit where the credit is due, and be grateful for all they have done for your company and business.

If they helped you grow and helped your business reach new heights and new milestones, say so and be specific. That is going to be extremely wonderful for them as they walk with you down memory lane, and they will love it.

​Give Them Rewards

​A fancy dinner, a wonderful party in their honor, or even just a bottle of wine can all be things that you use as a reward and a thank you for the time that the employees have given to you in your business.

Rewards can be anything and everything that you think your recent retirees will like, and if you are running into problems about how you want to reward retirees or provide recognition to your employees, then Mo’s software solves it, so take a look.

Wish Them Well For The Future

Finally, if your employee is retiring then they probably have a plan for their future. From potentially wanting to spend more time with family, to pursuing a new hobby, to moving to an entirely new city, they will see their retirement as a new adventure.

The best thing that you can do as their boss is to wish them well and let them know that you are going to be watching their career with great interest! 

For a former employee, knowing that their boss is looking out for them and is also excited for their future is going to give them the certainty they are making the right choice.

Let Them Know How Much They Matter To Yo

​Finally, no matter how you choose to appreciate your employee turned retiree, you should be sure to let them know that they matter to you and your business.

They were an integral part of your company, whether they helped build it or they expanded it, or they were there to keep the wheels turning and the lights on. Make sure your appreciation comes from the heart, and that will be the best way to make their retirement great.
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Preparing for Retirement: How to Plan for a Long, Safe Driving Career

1/26/2023

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As we age, our driving abilities may change, and it's important to take steps to ensure that we can continue to drive safely and avoid accidents in retirement. Preparing for a long, safe driving career requires attention to our driving skills and knowledge of traffic laws. 

Whether you're just starting to think about retirement or are already retired, this article will provide valuable information to help you plan for a long, safe driving career.

Assessing Your Current Driving Skills

Assessing your current driving skills is an important step in planning for a long, safe driving career in retirement. It's important to be honest with yourself about any limitations you may have and to identify areas where you need to improve. Here are some tips for assessing your current driving abilities:
  • Take a defensive driving course
  • Consider taking a driving assessment test
  • Be mindful of your reaction time, vision, and hearing
  • Watch for signs of drowsiness or fatigue while driving
  • Pay attention to your driving habits and behavior

Staying Up to Date on Road Rules

Staying informed about changes to road laws and regulations is crucial for maintaining a safe driving career in retirement. As laws and regulations change, it's important to know the rules of the road and to adapt your driving habits accordingly. Here are some resources for staying up to date on road rules and regulations:
  • Check the Department of Motor Vehicles (DMV) website for updates
  • Ask your local AAA or AARP office for information
  • Read the driver's manual of your state
  • Sign up for driving safety classes or seminars

​Maintaining Your Vehicle

Maintaining your vehicle is an essential part. A well-maintained vehicle not only runs smoothly but also can help you avoid accidents. Here are some tips for keeping your vehicle in good condition:
  • Regularly check and maintain tire pressure, brakes, and fluid levels
  • Get regular tune-ups and oil changes
  • Keep your vehicle clean inside and out
  • Make sure all lights, signals, and mirrors are working properly
  • Keep your windshield and windows clean
Regular maintenance and repairs are also crucial for keeping your vehicle in good condition. It's important to keep up with scheduled maintenance, such as oil changes and tire rotations, and to address any issues that arise as soon as possible. By taking the time to maintain your vehicle, you can ensure that it runs smoothly and safely, helping you to avoid accidents and extend the life of your car.

Staying Physically and Mentally Fit​

Physical and mental fitness can have a significant impact on driving abilities, and it's essential to maintain both to continue to drive safely.

Regular exercises, such as walking, cycling, or swimming, can also help to improve cardiovascular health, which is important for maintaining reaction time and alertness while driving. Age-related changes in cognitive abilities, such as memory and attention, can affect driving abilities. Keeping mentally active through activities such as reading, puzzles, and social interactions can help maintain cognitive function and ensure that you're able to focus and react quickly while driving.

To maintain a healthy lifestyle eat a balanced diet, and get enough sleep. It's also important to stay aware of any changes to your physical or cognitive abilities and address any issues that may arise, as they can impact your driving abilities. By staying physically and mentally fit, you can continue to drive safely and confidently in retirement.

Safe Driving Strategies for Older Drivers

It's important to implement safe driving strategies to help mitigate these changes and continue to drive safely. Here are some safe driving strategies for older drivers:
  • Avoiding driving during rush hour or in adverse weather conditions
  • Planning routes that are familiar and avoid high-traffic areas
  • Limiting distractions while driving, such as using mobile phones or eating
  • Taking regular breaks to rest and avoid drowsiness
  • Avoiding nighttime driving if possible
  • Staying informed about new technologies that can improve safety on the road, such as Advanced Driver Assistance Systems (ADAS)
Older drivers need to stay informed about new technologies that can improve safety on the road. Advanced Driver Assistance Systems (ADAS) such as lane departure warnings, automatic braking systems, and adaptive cruise control can help to reduce the risk of accidents, and improve safety for older drivers. It's important to stay informed about these technologies, and to consider upgrading your vehicle with these safety features if you haven't already.

Planning for a long, safe driving career in retirement is essential for maintaining independence and mobility. Remember that driving is a privilege, not a right, and it's important to take the necessary steps to ensure that you can continue to drive safely in the years to come.
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Living With Epilepsy as a Retiree - What It's Like

1/25/2023

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Dealing with declining physical and mental health is, unfortunately, a natural part of the aging process. However, some long-term conditions might be more impactful than others. And, if you have been diagnosed with epilepsy - or a seizure disorder - you might be dealing with significant changes in your lifestyle, living arrangements, relationships, and routine. 

Nonetheless, with the right medical and emotional support system, you can enjoy a healthy, long, and fulfilling life. Unsure about what to expect from living with epilepsy? This guide can help you set out your expectations.

Partnering With a Specialized Neurologist To Properly Manage Your Seizures

In the US, around 1 million people aged 55 or older are affected by epilepsy. Indeed, while this condition can appear at any age, it is more commonly diagnosed in aging adults as a consequence of strokes, head injuries, brain tumors, and neurological diseases that affect how the brain works, such as Alzheimer’s disease. 

What’s more, it is important to understand that over 80% of adults over 65 years of age deal with multiple health conditions at once, making it harder to balance epilepsy treatment with other medications. 

Because of all of these implications, you should always start your journey toward a healthier life by consulting an experienced neurologist. 

​Getting To Know Your Epilepsy and Seizure Type

If you have recently been diagnosed with epilepsy, it is important to dedicate some time to finding the answers to crucial questions such as “what is epilepsy?” and “what type of seizures are there?”. 

Over time, you’ll get to know whether your seizures are general or partial, and what symptoms they bring. This can help you adjust your life accordingly and become more familiar with your condition.

Learning What Triggers Your Seizures

Although seizures aren’t always preventable, there is a lot that you can do to stop them from happening - or, at least, go to a safe place before they happen. 

To prevent medical emergencies and complications as consequences of a seizure you should:
  • Learn about the symptoms associated with your prodrome (early warning signs). These might include mood swings, depression, inability to concentrate, and irritation. 
  • Learn to recognize the symptoms of an Aura (late warning signs). Auras are actually mini partial seizures that often take place before a major seizure, and they cause symptoms such as nausea, feeling unusual smells, tastes, and sensations, and intense unprovoked feelings of euphoria or panic. 
  • Learn to identify the triggers of your seizures, which often include missed medication, stress, alcohol, and sleep deprivation
  • Go to a safe place when you believe you are about to experience a seizure. Although most seizures aren’t dangerous per se, older adults might get injured due to falls or jerking movements. 
  • Educate your loved ones and careers about what to do in the event of a seizure and when they should call the emergency services. 

​Adapting Your Life To Stay Safe

Practicing mind-body exercises, reducing the levels of stress, dietary changes, biofeedback, and alternative treatments such as acupuncture can help you reduce the intensity and frequency of your seizures. What’s more, according to WHO studies, over 70% of those with epilepsy are able to live a normal life thanks to adequate treatment. 

Nonetheless, you should try to adapt your life to avoid medical emergencies and injuries. For example, you might assess whether driving is still safe for you, whether you need a carer, or if you should consider moving into assisted living facilities.

​Investing in Medical Alert Systems

Although no technology is able to accurately foresee seizures yet, there are many reasons why you should invest in a medical alert system​. These devices can help you record details of your seizures, which is an important piece of information that your neurologist might use to design your treatment.

Additionally, if you live alone, medical alert systems can help you access medical care promptly and without delays, which is critical to prevent complications and injuries.

Keeping Your Communication Channels Open

​After you have been diagnosed with epilepsy, your personal and emotional relationships might be affected. While these changes might feel bewildering at first, there is a lot that you can do to make the transition smoother. 

Among the most important steps to take are informing your loved ones about your diagnosis, educating them about what epilepsy is and how it’s treated, and how to help you during a seizure. If you are struggling to face this challenge alone, speak to your neurologist and partner with an experienced mental health professional. 
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Las Vegas Tour: 6 Exciting Things to Do in the City

1/23/2023

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Las Vegas is a renowned destination for tourists. The city has something for everyone—from the world’s largest casinos to top-tier entertainment and shopping, there's plenty of places to explore. From the iconic Bellagio Fountains to the dazzling lights of Fremont Street, Las Vegas offers an experience unlike any other. Visitors can check out the Grand Canal Shoppes at The Venetian or watch a show at one of many theaters. This blog post will go through some of the trendy spots and things to do in Las Vegas.

Go Through the Las Vegas Strip

The Las Vegas Strip is one of the world's premier tourism destinations. Millions of people come from all over the world to enjoy the unique atmosphere and explore all that Vegas offers. Whether you're looking for high-stakes gambling, fine dining, luxury shopping, or an unforgettable nightlife experience, a visit to the Las Vegas Strip will provide all that and more.

Helicopter Trip Above the City

Experience Las Vegas from a unique perspective when you fly over the city in a helicopter. Marvel at the iconic sights like the Bellagio Fountains and explore the Strip from an aerial view. Get an eagle’s eye view of Las Vegas and take in its grandeur as you soar high above it. Don't miss out on exploring this one-of-a-kind city from a completely different angle. Fly over Las Vegas in a helicopter and take away a memory that will last a lifetime – especially if you’re in Las Vegas for a honeymoon.

Explore a Vast Variety of Restaurants

Las Vegas is a great destination to explore and experience some of the best restaurants in the world. From fine dining to casual eateries, Las Vegas has something for everyone. With its towering buildings, aerial view of the city, and unique atmosphere, visiting the many restaurants in Las Vegas can be an unforgettable experience. Whether you are looking for a romantic dinner for two or a fun night out with friends, explore the various restaurants in Las Vegas and find something that suits your taste. There are many options to choose from, and here's a list of cannot be missed restaurants in Vegas.

​Grand Canyon Skywalk

​Exploring the Grand Canyon in Las Vegas is an adventure like no other. Imagine taking in aerial views of the majestic canyon from thousands of feet above - a sight that will take your breath away! Explore the vastness and unique beauty of this iconic natural wonder from the air, with its awe-inspiring red rocks and deep canyons. Plan ahead and explore all the ways to experience the Grand Canyon from Las Vegas, including helicopter tours, aerial tram rides, and hikes along the canyon rim.

Reef Aquarium

Come explore the wonders of the sea at the Reef Aquarium in Las Vegas. Located conveniently near downtown, this one-of-a-kind aquarium offers breathtaking views of various aquatic life, including sharks, corals, and other tropical fish.
​
Witness mesmerizing displays of predators feeding and explore mysterious sunken shipwrecks to discover hidden treasures. Let your imagination take you on an aquatic journey and explore the fascinating world of deep sea living creatures. Plus, don't miss out on the interactive exhibits and educational talks that explore these beautiful sea creatures' biology, conservation, and sustainability.

Cirque du Soleil

​Visiting the Cirque du Soleil show in Las Vegas is a must-do experience. The performance features colorful costumes, awe-inspiring acrobatics, and fantastic music that will captivate and entertain you. Whether you enjoy the dazzling aerial stunts or are swept away by the vibrant music and atmosphere, you can surely enjoy a truly unforgettable experience at the show. The talented performers will surely bring a smile to your face and make you feel part of the show. So enjoy the spectacle and be entertained by the Cirque du Soleil in Las Vegas.
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How to Recover After a Brain Injury in Retirement

1/12/2023

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Traumatic brain injuries usually result from violent blows or jolts to the head or to the body. An object that enters brain tissue can also cause such injuries. Common causes of traumatic brain injuries include falls, road accidents, sports injuries, and combat injuries, to name just a few.
 
In older adults, things like misstepping on an uneven surface, tumbling from a ladder, and falls are common causes of traumatic brain injuries. Indeed, falls are one of the major causes of traumatic brain injuries in seniors.

According to the UT Southwestern Medical Center, over 80% of traumatic brain injuries in people aged sixty-five and older are caused by falls. The seriousness of traumatic brain injuries can vary greatly.

Mild traumatic brain injury often temporarily affects brain cells, whereas more serious traumatic brain injury can result in torn tissues, bruising, bleeding, and other physical brain damage, which can potentially result in long-term complications or even death.
 
However, many people, seniors included, recover well after experiencing traumatic brain injuries. So, let’s take a closer look at how to recover after a brain injury in retirement.

Traumatic Brain Injuries in Seniors

The UT Southwestern Medical Center states that older adults are the fastest-growing age range for traumatic brain injuries in the U.S. Furthermore, seniors are more likely to suffer severe symptoms.
 
Out of all age groups, older people have the highest rates of hospitalization and death after experiencing traumatic brain injury. But many do recover.

The treatment and recovery process is similar to that of younger people. However, it often takes older people longer to recover because their bodies generally heal more slowly after injuries.

Recovering from Mild Traumatic Brain Injuries

Although mild traumatic brain injuries typically require no treatment other than rest and over-the-counter pain relief medications, if you’re a retired person who experiences a mild traumatic brain injury, you should see a doctor as soon as possible.
 
Your doctor will be able to confirm whether the injury is mild or tell you whether it’s more severe and inform you of the best recovery methods to follow. Even if your injury is mild, you should be closely monitored at home after the injury to keep an eye on any persistent, worsening, or new symptoms.
 
Your doctor will also usually recommend that you limit your cognitive activities and get plenty of rest. Whether you have a mild, moderate, or severe traumatic brain injury, after you have seen a doctor and started on the road to recovery, if your injury was caused by someone’s negligence, you should contact a brain injury attorney who can help you pursue financial compensation.

​Recovering from Moderate or Severe Traumatic Brain Injuries

Moderate to severe traumatic brain injuries require immediate emergency care. Medical professionals will make sure that you have enough oxygen and an adequate blood supply. They will also maintain your blood pressure and prevent any further injuries from occurring to your head or neck.
 
Additional treatments at the hospital will focus on minimizing secondary damage that can be caused by inflammation, bleeding, or a reduced oxygen supply to your brain. The majority of people who have had a significant brain injury, regardless of their age, will require rehabilitation.

They would need to relearn basic skills, like talking or walking. Therapy is the main method used to help people recover after a traumatic brain injury.

The type and duration of rehabilitation will vary from one person to another. It depends on factors like the severity of the brain injury and the part of the brain that was injured. Ultimately, recovering after a brain injury in retirement comes down to your specific circumstances. Always follow your doctor’s advice to ensure you recover as well as possible.
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5 Most Common Types of Wrongful Death Cases

1/11/2023

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Losing a loved one is always painful for the family, especially if caused by another's negligence. Spouses and children are the most affected, as their life quality will drastically change emotionally and financially. 

Wrongful death attorneys understand how heartbreaking the death of a dear family member can be for the survivors. You have full rights to file a lawsuit for loss of companionship, lost wages, and funeral expenses. 

Although nothing can bring back your loved one, you can obtain compensation for the unexpected expenses and hardships that follow by filing a wrongful death lawsuit. The following five points are the most common types of wrongful death cases and will help you understand how to proceed further with your wrongful death lawsuit.

Car Accidents

​Car accidents are tragic events that cause severe injuries and, in some cases, even death. Accidents happen for various reasons: weather conditions, road hazards, or because of a driver's negligence.

If the individual was driving under the influence of alcohol or other illicit substances, he was responsible for the accident. On the other hand, if the accident occurred due to the lack of road maintenance, the administrative association responsible for road safety can be liable for the damages.

Truck Accidents

While car accidents cause extensive damage, the outcome will be even worse when someone collides with a truck. Trucks are heavy vehicles - if it collides with a smaller vehicle, their passengers will suffer extensive injuries that can lead to death. 

If a truck driver does not abide by traffic rules or if they drive aggressively, the probability of being involved in an accident increases, and the driver is liable for the damages. Additionally, suppose the truck experiences mechanical issues due to the company's negligence in maintaining it properly. In that case, you can sue the company for wrongful death.

​Defective Product Liability

​Most manufacturers work hard to produce high-quality and safe products. Commercial products must withstand a series of tests to ensure they are safe for the consumer. A manufacturer failing to meet the standards can cause unfortunate situations such as death. 

The most common defective products that lead to wrongful death are pharmaceuticals, toxic food products, containers, childcare products, and toys that present a hazard and defective vehicles.

​Workplace Break of Safety Rules

According to the Occupational Safety and Health Administration (OSHA), employers are responsible for the safety of their workers while on the job. Several repetitive misconducts happen at the workplace. A few examples are repetitive motion and strain injuries, manufacturing accidents, transportation industry accidents, and railroad workers' injuries.  

Although in most cases, the family can obtain compensation from death benefits through the state's workers' comp system, some exceptions allow them to file for a wrongful death lawsuit.

​Medical Malpractice

​When you entrust your health to a medical professional, you expect appropriate diagnosis and treatment. Unfortunately, this is not always the case. When certain doctors and nurses fail to provide the correct care, one might suffer birth injuries and defects, wrong diagnosis, improper treatments, and surgical or pharmaceutical errors. 

Such mistakes can lead to the individual's death, causing distress to the grieving family. The medical worker that caused this situation will be held liable for their actions and must compensate the family for their losses.
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Budgeting For A Wedding As An Older Couple

1/9/2023

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Getting married later in life comes with greater financial security. However, latest figures reveal that the average wedding costs between $20,000 and $40,000. This is a significant chunk of money no matter what your age. But if you’re nearing retirement or have already given up work for good, the last thing you want to do is spend all your savings on one day. Here’s how to save on your wedding while still ensuring you and your partner have a day to remember.

Scale down your guest list

​23% of couples have a guest list of between 150 and 200 people. 31% opt for 100 to 150 guests. The more guests you have, the more money it will cost you. Intimate weddings are much better when you’re getting married in later life as there’s more focus on the couple. Plus, when you’re older you value your small group of loved ones more. By only inviting this small group to your wedding you’ll get the chance to spend time with each of them. With fewer guests, you even have the option of booking a destination wedding. This can double up as your honeymoon location which will save you even more cash.

​Set a budget

Before booking or buying anything, review your finances, set a budget, and stick to it. Make sure anything you plan on spending doesn’t substantially eat into your retirement fund. Your budget should start with the jewelry you will propose with. Engagement rings are available to suit all budgets and savings can be made by selecting white gold and lab-created gems. Measure the ring size needed before buying, so you haven’t got to pay for adjustments. Other essential items you’ll need to budget for are the wedding attire, photographer, and cake. Consider hiring a wedding dress and tuxedo, buying used, or wearing a special outfit that you already own. Smartphones mean professional photographers are no longer essential. And, a homemade cake can be just as yummy and more special than a bought one.

Opt for a multi-functional venue

​It’s stressful and expensive to have your ceremony and reception at two different venues. Older guests, such as your parents, will struggle with this transition too. By holding all the celebrations at the same location, you’ll get a discount and save on transport. Choose a venue that’s naturally stunning to look at and you won’t have to worry about fancy decor. Instead, you and your partner will be the main focus rather than frilly chair covers and excessive flower arrangements.

​Getting married later in life is exciting. As you’ll have more money than many younger couples, you may be tempted to splash out. But save your cash to enjoy your married life together by saving on your nuptials wherever possible.
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How to Plan for Dental Care as You Approach Retirement

1/3/2023

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​Image by karlyukav on Freepik
As you age, you are bound to start noticing minor health problems, more frequent inflammation and pain, or increased discomfort. And your oral health isn’t immune to these changes! That is why it is important to focus on your dental well-being before and after retirement.

Although ailments are a natural part of aging, taking the right steps can help you protect your mental and physical health from common risks. In this guide, we’ll look into how to safeguard your dental health after retirement. Let’s get started.

​Invest in an Insurance Plan That Covers Dental Services

​According to surveys conducted by Gallup in 2022, a staggering 26% of Americans report having skipped treatment because of the costs involved, and 1 in 6 employees remain within their employer only to access health benefits. 

Although employer-sponsored insurance might have helped you access affordable healthcare services during your professional life, it is important to consider that you will lose your dental benefits after retirement. 

What’s more, Medicare does not cover dental care, unless some dentistry procedures are considered by your healthcare provider “medically necessary” or are provided as emergency care. That is why, when planning for dental care after retirement, you should consider expanding your Medicare plan with add-ons or investing in a custom private health insurance policy. 

​Establish a Robust Oral Health Routine

Maintaining a proper oral health routine after retirement is crucial to prevent chronic and severe conditions, including gum disease and oral cancer. 

Statistics by the CDC show that, in the US, 96% of adults aged 65 and over have untreated tooth decay, 68% have gum disease, and 1 in 5 have suffered from tooth loss. What’s more, oral or mouth cancer and other chronic diseases such as periodontal disease are primarily diagnosed in older adults. 

The good news is that most of these conditions can be reduced in frequency or severity (or even prevented altogether!) by establishing a robust oral care routine. This should involve flossing, brushing your teeth with fluoride toothpaste twice a date, and caring for your dentures. If you have a caregiver, be sure to inform them of your dental needs.

​Improve Your Lifestyle and Habits

Your oral health is interconnected with your mental and physical well-being. For example, improving your lifestyle and daily habits can strengthen your immune system and make you less prone to infections and inflammation. 

Some practical tips to manage your health as you age include:
  • Avoid the consumption of sugary and processed foods
  • Avoid smoking and reduce the consumption of alcoholic beverages
  • Spend time outdoors 
  • Make physical activity part of your daily routine
  • Spend time with friends and family members
  • Look after your cognitive health by keeping your mind active and engaged
  • Get enough sleep and rest

Choose a Dentist Who Specializes in Geriatric Dentistry

Although the strategies below can help you delay the onset of oral and general ailments, some dental issues related to aging are often inevitable. That is why, before retirement, you should look for a dentist who specializes in geriatric dentistry and can provide you with accessible specialized services such as affordable dentures.

Some boxes the right dentist will tick include:
  • Operates within your insurer’s network
  • Specializes in geriatric dental care
  • Has experience with treating oral health problems that are more common in older adults (i.e., dry mouth and gum disease)
  • Can help with procedures such as implants, bridges, veneers, and crowns.

Once you have found the right dentist for your needs, keep up with frequent visits and checkups. Don’t forget that regular assessments and cleanings can reduce the risk of developing gum disease, tooth decay, and other severe conditions. 

Don’t Leave Dental Problems Unaddressed

​As you age, you might be more prone to frequent or recurring oral health problems, which, if unaddressed, can lead to dental emergencies. What’s more, some dental problems, such as dry mouth or gum disease, are considered to be risk factors for heart disease and other life-threatening conditions. 

In turn, not treating minor dental issues as they arise can cause you to deal with more costly healthcare services and life-threatening problems in the long term. Work with your dentist to devise a prevention plan!
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Are Emeralds & Other Precious Stones Worthy Investments?

12/29/2022

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​We assume that precious stones and gems are a good investment, but that isn’t always the case. Like any investment, you need to really understand the market and accept the risks. If you play your cards right, diamonds, emeralds, rubies, and sapphires could earn you a profit.

​How to Make the Most Out of Your Precious Stone Investment

A pair of gorgeous emerald earrings or a show-stopping ruby necklace has a high chance of rising in value if you buy right. 

Here’s how to make the most out of your gem investment.
Paying the Right Price is the Largest Determining Factor
Precious stones can be expensive, especially if they are high quality or rare. This can make it difficult for some people to afford them as an investment. Not only that, but precious stones can be hard to evaluate, and it's challenging to determine their value without professional help. 

But if you have that expertise under your belt, you can find quality gemstones for a decent price. There’s even a possibility a private investor will sell you a precious gem by mistake. Knowledge is power in the investment world, so get to know the Four C’s and other gem-specific topics.

​Understand That Gemstones are a Risky Investment

​Gemstones are a relatively liquid asset, meaning they can be easily bought and sold on the market, making them a convenient investment option. They may even hold cultural and historical significance, which can make them more valuable to collectors and investors.

With that said, the value of precious stones can be volatile and fluctuate based on a variety of factors, including market trends and economic conditions. If you plan on using precious stones to fund your retirement, you need to be comfortable with taking on a lot of potential risks.

​Develop and Train Your Negotiation Skills and Charisma

While precious stones are generally thought of as liquid assets, they may not be as easy to sell as other investments, such as stocks or real estate. This can make it harder to get a good price for your precious stones if you need to sell them quickly. That is unless you’re a negotiator.

You absolutely need sales skills to invest in gems because you need to build relationships with local jewelers. It’s the only way to reliably purchase gems at retail price. You’ll also need to find your own buyers and convince them to pay more than what you paid, which can be difficult.

Consider Your Markup Before Purchasing Any Gems

Precious stones are often considered worthwhile investments because they’re rare and hard to find, are incredibly durable, and can be used in a variety of settings. Even so, your investment isn’t worth a cent unless the buyer thinks it’s valuable and you can make a decent profit.

While it goes against common sense, markups always decline for expensive and popular gems. It’s easy for collectors to stomach a 25% markup on an Alexandrite, but you won’t get over 10% for a diamond. Try to opt for gems that are rarer and allow you to justify a 10% to 25% markup.

​Add Other Services On Top of a Regular Gem Sale

​The whole reason why novices should tread lightly in the jewelry investment world is that they’re competing with actual jewelers. If a stone cracks, falls off, or goes dull, the customer can go back to the jeweler and get a refund. On a private sale, the customer is risking a lot more.

If possible, you should back any jewelry sale with a guarantee via a contract. Partner with a local jeweler who can recut or style gems based on your customer’s preferences. If you're selling rough gems, tell your customers you can place them in a finished piece, like a necklace.
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