Monterey, CA Caregiver Costs Rising : It’s Expensive To Stay In Your Own Home And Independent

A jar of coins with the word retirement written on it.


A recent article in AARP Bulletin said that nearly 70% of senior citizens will require help from others to get through their day.  Women will need it for an average of 3.7 years and men 2.2 years.  However, having owned Family inHome Caregiving of Monterey and Santa Cruz for more than 12 years, I think these numbers can be low—some people require help for more than a decade.  Seniors are living longer, and if you live to be over 100 and need care starting at age 80, that can be two decades of monthly caregiving bills if you don’t have a relative willing to step in.  Unfortunately, Long Term Care or LTC Insurance is the only type of insurance which pays for having a caregiver come to your home, and few people have it.  I always urge the children of clients that we care for to get it while they can.  It’s very expensive and the younger you get a policy and the healthier you are the better rate you will get.  Some companies also give discounts if both a husband and wife buy a policy at the same time.

Monterey, CA Elder Abuse Alert : Classic Car Part Scam

A silver bmw is parked on the street


With car week coming up in August, many Monterey County residents and car aficionados from around the country are sprucing up their classic cars to show off.  But beware if you are in need of a rare car part—make sure that you get it from a reputable dealer.  Scammers have been scouring craigslist and other ads looking for parts.  They will then tell you they have that exact part but after you send them the money you will never get the part.

Pebble Beach, CA Caregiver Costs Rising : It’s Expensive To Stay In Your Own Home And Independent

A jar of coins with the word retirement written on it.


A recent article in AARP Bulletin said that nearly 70% of senior citizens will require help from others to get through their day.  Women will need it for an average of 3.7 years and men 2.2 years.  However, having owned Family inHome Caregiving of Monterey and Santa Cruz for more than 12 years, I think these numbers can be low—some people require help for more than a decade.  Seniors are living longer, and if you live to be over 100 and need care starting at age 80, that can be two decades of monthly caregiving bills if you don’t have a relative willing to step in.  Unfortunately, Long Term Care or LTC Insurance is the only type of insurance which pays for having a caregiver come to your home, and few people have it.  I always urge the children of clients that we care for to get it while they can.  It’s very expensive and the younger you get a policy and the healthier you are the better rate you will get.  Some companies also give discounts if both a husband and wife buy a policy at the same time.

Pacific Grove, CA Elder Abuse Alert : Classic Car Part Scam

A silver bmw is parked on the street


With car week coming up in August, many Monterey County residents and car aficionados from around the country are sprucing up their classic cars to show off.  But beware if you are in need of a rare car part—make sure that you get it from a reputable dealer.  Scammers have been scouring craigslist and other ads looking for parts.  They will then tell you they have that exact part but after you send them the money you will never get the part.

Pacific Grove, CA Caregiver Costs Rising : It’s Expensive To Stay In Your Own Home And Independent

A jar of coins with the word retirement written on it.


A recent article in AARP Bulletin said that nearly 70% of senior citizens will require help from others to get through their day.  Women will need it for an average of 3.7 years and men 2.2 years.  However, having owned Family inHome Caregiving of Monterey and Santa Cruz for more than 12 years, I think these numbers can be low—some people require help for more than a decade.  Seniors are living longer, and if you live to be over 100 and need care starting at age 80, that can be two decades of monthly caregiving bills if you don’t have a relative willing to step in.  Unfortunately, Long Term Care or LTC Insurance is the only type of insurance which pays for having a caregiver come to your home, and few people have it.  I always urge the children of clients that we care for to get it while they can.  It’s very expensive and the younger you get a policy and the healthier you are the better rate you will get.  Some companies also give discounts if both a husband and wife buy a policy at the same time.

 

Skipping Breakfast Is Not A Healthy Idea

A plate of food with eggs, bacon and tomatoes.


A hot trend seems to be skipping breakfast in order to lose weight.  However, it’s not a good idea.  According to a study which was published in the Journal of the American Board of Family Medicine, those who ate more than 25 grams of fiber per day had a 21 percent lower risk of all causes of death than people who skipped breakfast.  Another study found that those who skip breakfast had a higher risk of diabetes.

How Technology Can Reduce Doctor Visits

A person holding a stethoscope in front of a laptop.


Technology is advancing at an incredibly rapid rate and there are now numerous devices that you can buy which will monitor various aspects of your health which may be able to help you reduce doctor visits.  Medical technology placed in the home can allow patients and caregivers to run tests, such as blood pressure and glucose-level readings and ever do kidney dialysis and take X-rays.  In 2020, the Centers for Medicare & Medicaid Services (CMS) issued a statement that “more than 60 different acute conditions such as asthma, congestive heart failure, pneumonia and chronic obstructive pulmonary disease (COPD), can be treated appropriately and safely in home settings with proper monitoring and treatment protocols.â€Â  More and more seniors are taking advantage of this.  The number of U.S. telehealth visits in 2020 was 63x higher than in 2019, according to a study by the Department of Health and Human Services.

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Monterey, CA Elder Abuse Alert : Arts & Crafts

A pile of money sitting next to stacks of cash.


With Beverly Fabrics closing in Seaside and the closest store way up in Soquel, many seniors are looking for supplies online.  Beware of one of the many current scams that are taking place, this one revolving around sewing machines, of all things.  Crooks are advertising online and in social media brand-name models of sewing machines for under $100.  If it sounds too good to be true, it is.  This so-called e-commerce close out sales are typically fake and you will send in your money and never get the product.  There is yet another arts and craft scam going on right now where scammers are putting on virtual arts and crafts fairs.  When you order something from a booth at one of these online fairs, they will take your money but won’t send you anything.

Widows And Widowers Beware Of Rolling Over Your Deceased Spouse’s 401K Into Your Own

A jar of coins with the word retirement written on it.


After losing your husband or wife, it’s tempting to simplify all of your financial assets and consolidate them.  However, it’s ill-advised to do this if you are younger than 59.5 years old.  IRS rules allow you to make withdrawals from your late husband’s retirement accounts with no penalty (although you will have to pay income taxes on the withdrawal).  You can also file your taxes as married filing jointly in the year that he or she died and get a better tax rate than filing as single.

A man and woman are doing exercises together.


In a 2021 review of 16 studies, researchers found that just 30 to 60 minutes per week of muscle-strengthening or “resistance†exercise increased life expectancy by 10-17%.  These activities range from calisthenics, to Pilates or yoga and can even include carrying the groceries or your grandchild!  Eating protein can also help strengthen your muscles.  Women 50 and older need at least 25 grams of protein per day (30 grams for men).  Studies have shown that seniors combining this style of eating with resistance exercise, their bodies responded like they were in their 20’s.