Ideas for retirees on fixed incomes or anyone on a budget

Taken from USA TODAY MONEY BY NANCI HELLMICH:

In the wake of the madness of Black Friday, many Americans are looking into the holiday season of Christmas thinking about what gifts to buy their family, friends, or loved ones. For many there is already a hint of worry or concern about crossing everyone off of the gift list. Do you get those socks for that distant third cousin twice removed?

This may be extra challenging for the millions of senior citizens who are retired and living on a fix income. There is also a challenge for many of these elderly Americans in having the health or means to get out and shop for these gifts. Added on to these impending problems may also be the added mentality of sentimental gifts. Most senior citizens want to buy gifts that have a personal touch for the individual who they are purchasing the present for. images

What is are some solutions or fixes for these issues? Columnist Nanci Hellmich wrote an article with a few tips for the retirees or simply any Americans on a budget that fall into this category.

  •  Cut down your holiday list. Look at the list of people you give presents to, and see if it’s time to take some of them off the list.

Author of the book “Decoding the New Consumer Mind” told Hellmich “It’s painful to do because if someone has made it to the list, obviously you care about them. But I think many people will be flat-out relieved to be off the list, because if you give them a gift then they think they have to give you one in return.”

It might be almost a sense of relief for both yourself or others if you can give gifts out want not just obligation.

  • Consider giving away family heirlooms or sentimental keepsakes. What are the family heirlooms that you may no longer use and are simply gathering dust in the attic or closet? Who is the daughter, son, or granddaughter that has been asking for that particular set of your mother’s silver, for years? You can use the Christmas season as an opportunity to pass down that silver set. Not only does it help you save money, but there is a deeper meaning than money or materialism behind the gift.
  • Give to charity instead of buying gifts. This Christmas season could also be an opportunity to start a new family tradition. You can begin teaching the younger family members about the meaning of giving rather than receiving. Instead of drawing names for gift giving, get every family member to choose the charity or organization of their choice to donate the amount of money you would spend on the gift to the chosen charity or organization.
  • Write down peals of wisdom. Brain Kelly, founder of Brain Brands in Chicago suggested to Helmich that American senior citizens could write down pithy quotes, witty insights or common phrases used by your family and giving those as a thoughtful gift.
  • Share your time and talent. What is your unique talent or special gift? Are you really good at sewing or crocheting or cooking? Then use this as an opportunity to share your gift as a gift with someone you have on that gift list.

Yes, the holiday season can be a stressful time. There are list that must be crossed off. Gifts must be bought. The Christmas dinner must be cooked. However, there are changes that you can make or adjustments in carrying out your holiday planning that can be both economically smart or spiritually uplifting.

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Senior-giving before Thanksgiving.

As November moves closer to the holiday season, the Christmas decorations and “SALE” signs are already being displayed in stores. Kids are starting to make their list to Santa and families are planning which side dish to bring to the family Thanksgiving dinner. The end of November is ready to take off at full speed. However, before everyone gets caught up in the hectic part of the holiday season, take a chance to slow down and have a “Senior-giving day” before Thanksgiving.

America is a blessed nation of prosperity and abundance found in many factors: health, freedom, personal and financial security, family and friends. Why not reach out to the senior members of your family or in your community at places such as the local nursing home.

During your Thanksgiving break, have a “senior day” with your family by volunteering. Use the volunteer day as a chance to teach your children about giving to others before they get for themselves in days of shopping with Black Friday, Small Business Saturday, and Cyber Monday.

Do not know where to begin? There are numerous ways to interact with the seniors you volunteer for. Some examples are:

  • Take the senior to a movie or to dinner. They might have limited opportunity to get out of the house if they have health issues or disabilities.
  • Try being a “chauffer” for the senior to take them out if they need to run errands or want to do activities such as shopping around town.
  • Taking a simple walk with the senior may make a world of a difference. It may be beneficial both physically and mentally and emotionally both because of exercise and company.
  • If moving outside of the house is not an option, bring your family to their home. Have the children make crafts with the senior or bring handmade gifts to the senior.

Simple decisions like this can make all the difference in the world in the life of the senior you’re helping, even if it does not seem like that big of a deal to you. AARP has resources that can help too:

Livable Communities program: http://www.aarp.org/livable-communities/

Caregiving Resource Center: http://www.aarp.org/home-family/caregiving-new/

Get connected–Build community–Be Involved.

[Written with the help of this article written in the Huffington Post Post 50: http://www.huffingtonpost.com/jo-ann-jenkins/senior-sunday_b_6079540.html%5D

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Identity Theft Protection For Seniors

At the top of the consumer complaints list to the Federal Trade Commission for the past three years is identity theft. This can be an even bigger issue or just simply a fear, for senior citizens who are not as familiar with the Internet as younger adults or even teenagers.

Where the people in their 20+ use to top the list of these complaints to the FTC-the shift has now turned to 50+ adults. Identity thefts target those they see as the most vulnerable. A main target is the 50+ audience because they tend to be too trusting of strangers.

This vulnerability opens the door for crooks to take advantage of the 50+ peoples’ available assets and income. There has been in fact, a progressive rise in senior identity thefts from 2011-2013. In 2011 senior citizens 30% of all the identity thefts reported to the FTC. This rose up to 37% by 2013.

Identity Theft

Luckily, South Carolina does not rank in the list of “Top Ten Identity Theft States”, but it is still wise to know a few tips on how to protect yourself (or how to advise a senior citizen in your life) from being a victim of identity theft.

Here is a list of 7 tips provided by Next Advisor on how to protect seniors:

1. Shred any documents containing personal information, such as social security number, birth date, your home address, etc.

2. Be wary of any “free” medical or legal services that require personal information.

3. Only disclose medical information to verified physicians.

4. Never provide personal information to anyone who calls you.

5. Never give personal information via email or from a link in an email. Instead, go directly to the website of the trusted company you already have a relationship with.

6. Check all credit reports at least once per week.

7. Talk openly about the dangers of revealing personal information with family members and friends.

Report all identity theft incidents, and keep yourself informed.

**(This article was written with the aid of http://www.nextadvisor.com/blog/2014/05/27/senior-identity-theft-rise)**

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Low-Cost and Free Cell Phones for Seniors

In our previous newsletter, we shared an article about the relationship between seniors and technology. Not all seniors prefer to interact too much with technology. Whether this technology is Facebook, smartphones or simply the internet itself, all seniors most likely need to have access to a cellphone. 

In today’s world, it is almost a necessity for all seniors to have a cellphone. If there is an emergency or a family member needs to be contacted, a cellphone is handy. Most adults have a cellphone and therefore is the most direct way for any senior family member or friend to get in contact with them. 

Now, just because it is now common for everyone to carry a cellphone, this does not mean that a senior has to go out and buy the latest iPhone 5c. There are a multitude of basic cellphone options for seniors to choose from. These cellphones also come with reasonable data plans and can have the most basic function of performing a phone call or sending a text message. 

Photo credit: seniortechdaily.com

Photo credit: seniortechdaily.com

There are No-Contract Phones available. 

This basically means buying a prepaid cellphone (also known as a “pay as you” cellphone). With these prepaid plans, there is no contract. This means that you purchase a certain amount of prepaid minutes with the cellphone, and use it as needed. You can add minutes to this prepaid bill at any time and avoid monthly fixed bills, credit check, or other hidden issues that can be associated with signing a cellphone contract. 

There are a number of major carriers that offer prepaid plans, such as AT&T and Verizon; but, other services such as Net10, Cricket and others offer affordable plans too. One popular service is TracFone. TracFone offers phones that start as low as $10 and call plans that are only $7 a month.

Simple and affordable. 

Free Cell Phones are also an option. 

If your income is low enough, there is a government-sponsored program that subsidizes wireless (and landline) companies who then provide free cellphones and around 250 minutes of free minutes and texts. 

Millions of Americans are currently signed up for this government program. However, millions of others are also eligible for this service. You will need to show that you’re receiving certain types of government benefits (such as Medicaid, Food Stamps, SSI, home energy assistance or public housing assistance) to qualify. However, do not let the fear of not being able to afford a cellphone keep you from researching to see if you have the option of receiving a cellphone free from the government. 

When you have an emergency, it is a comfort for both yourself and your loved ones if you know you have readily available a way to reach out for help. A fear of uncertainty with technology or that you cannot afford a cellphone/cellphone bill should not hold you back. There are lots of options and help out there. 

**This article was written with the assistance of the following article from the Huffington Post: http://www.huffingtonpost.com/jim-t-miller/low-cost-and-free-cell-ph_b_5575971.html** 

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Warnings Between Sleep Deprivation and Medication

Many Americans struggle with sleep problems. It may range from one night of restless sleep to an impending habit known as insomnia. About 25 percent of the U.S adult population reports suffering from insomnia with issues of either trouble falling asleep or trouble staying asleep. This issue affects senior citizens as well. However, before you go to pick up that medication to aid in adding a few more “zzzz” to your nights…check out this information of the correlation between medication and sleep.

Older Americans who range in age from 65 to older, are about 13 percent of the American population; and a full 44 percent of Americans (ages 55-84) experience disrupted sleep at least three nights of the week. All the problems with poor sleep habits is related to age because it appears to occur due to declining health, stress, age-related changes, and living in a nursing home/health care facility.

Insomnia can be very dangerous for any age, but especially for seniors. It is linked with a range of harmful health issues such as increased blood pressure, diabetes, obesity, depression, heart attack, stroke; just to name a few. Many are taking over the counter (OTC) medications to help in the sleep department. However, the frequency of taking these medications and the addictive side effects that may come with them, is a dangerous combination. This is especially true for senior adults.

Most OTC medication comes at the recommendation or even prescription of a doctor. Yet many senior citizens or adults pay little attention to the side effects of OTC sleep medication. These reactions can include cognitive impairment, poor balance, and daytime sleepiness. Besides the side effects, many senior adults are taking OTC sleep medication alongside other pain medications. This combination increases the amount of active ingredients in their system, which can be hazardous.

This is not to say that sleep medication should never be taken. It is simply to point out the potential risks of senior citizens taking these OTC (such as addictive habits forming, combination with other medications, etc); risks that are usually over looked.

If you or a senior citizen you love suffers from insomnia, talk to your doctor about other types of remedies or practices that could help with your falling asleep and staying asleep habits. If medication is taken, also discuss with your doctor the potential risk of side affects and/or any other medications you are taking that may react with the OTC sleep medication.

There are many options when it comes to improving your sleep habits. Look into all options either yourself or with/for a senior citizen you know suffering from sleep related issues.

**(This post was written with the aid of an article obtained from the Huffington Post Senior Citizens online section. Article link: http://www.huffingtonpost.com/michael-keaton/sleep-medication_b_5555821.html)**

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Summer Newsletter!

 Maximize Your Summer with Seniors 

  As you pack or plan for your summer activities, we at RetireEASE have some tips on how to have a fun but safe summer caring for an elderly loved one. Check out our attached Summer Newletter to find out activities that seniors and caregivers can share, information about seniors and technology, spotlight on some of our Caregivers, and more. We are all hoping you and your family have a pleasurable and safe summer!

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FinalNewsletter

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Pinterest Inspired 4th of July Celebration Ideas

When the 4th of July pops into one’s mind, images of fireworks, BBQ’s and lots of red, white, and blue are dancing around. Families revel in traditions or head to the lakes/oceans/or pools to celebrate America’s independence.

However, what happens when you have to plan a last minute party? Did you family members call and tell you they are coming into town? Or did you decide that you would like to do something to celebrate?

No need to panic. Pinterest has you covered. In honor of the upcoming 4th of July weekend, here are a few “simple and last minute” ideas to pull together an awesome weekend.

Children/Adult Fruit Bar:

Fresh fruit is not only a light treat when sitting in the hot July sun, but it is also extremely healthy. Take a handful of blueberries or strawberries or which ever fruit you prefer, and place them in a wrapped up, decorated piece of paper. You can choose a decorative piece of paper (like shown in the photo) or plain white. This will allow kids or any guest to carry their fruit around and it looks festive. This will also be a cheap idea and easy assembly for last minute planning.

 

 

 

image courtesy of Pinterest

image courtesy of Pinterest

“What about decoration ideas?” you ask. Well, if this is last minute, head over to your local Dollar Store. It will be loaded with cheap, decorative accessories. Buy flowers, bowls, flags, etc. and then arrange them on your table or around your backyard/entertaining area, as you prefer.  This will be cost efficient and will look great. Last minute or not, no one will be able to tell.

 

 

 

For more ideas, go to Pinterest and type in “July 4th DIY ideas” or any other key words.

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Happy 4th of July! 

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