Home Equity and the Retirement Crisis

The constant consternation played out by retirees over the Home Equity Conversion Mortgage (HECM) is bewildering. People choose to struggle in retirement by completely ignoring the fact that they have equity in their home. Unlocking the equity in the home can greatly benefit the homeowner and make it possible to “age in place” more comfortably. A recent AARP Survey concluded that 76% of older adults prefer to age in place. Ultimately there is an impending

Why Cultivating Gratitude is a Great Science-Backed Happiness Hack for Seniors

Loneliness among seniors has become an epidemic. Feelings of depression and isolation are also commonly reported among our elders. Here’s some good news: At the University of California they have found that cultivating gratitude can have amazing benefits to a person’s health and well-being. The study showed cultivating gratitude on a regular basis resulted in higher levels of alertness, enthusiasm, determination, optimism and energy. It was also found that the people who practiced gratitude have

When to Seek Additional Help

Alzheimer’s/Dementia is a major illness in the United States. You do not think it will happen to you, and then one day it does. You come home to visit your Mom and she is frantically looking for her car keys. You ask her to back track her steps, and she is unable to do so. The only thing she can tell you is someone took them. She turns to you for help and when your

Three Ways to Help your Favorite Charity and Yourself

For many of us, supporting our favorite charities is an important way of helping others and advancing causes that we believe in. Did you know that there are also many ways you can personally benefit from such acts of generosity? Most important, of course, is the satisfaction you get when helping a charity that is dear to your heart. But your gifts, when planned smartly, can also help you – even financially. Here are just

The Death Clock

For decades researchers have tried to figure out on a global scale why more people die in January than any other month of the year? Known by statisticians as “excess deaths” it appears to have nothing to do with weather. The spike in deaths is as true in tropical areas as it is in the snow shoveling northern parts of the United States. This also eliminates the theory that staying inside because of the cold

teleCalm Helps Stop Problem Calls – The phone service designed for seniors and caregivers

There are so many things to stay on top of as a family caregiver and frequently it feels overwhelming. The telephone is one of those things that can add to your stress and frustration. You want your loved one to stay engaged with family and friends. It is important to keep them connected, to ward off loneliness and isolation. But for many caregivers, dealing with the frequent late-night and repeated calls gets to be too