All posts by Willard Medina

Health Benefits of a Routine during old age

Health Benefits of a Routine during old age

Does time matter for a senior person? While we all agree that having a ‘Daily Routine’- doing the same set of activities around the same time almost every day, helps a lot in getting things done and organizing our work. But do you feel that having a daily routine in old age is also very useful especially in the matter of health and personal care? In a study conducted on elderly people after retirement, it was found that those who followed a daily routine with a well planned day have fewer chances of falling ill. Also, it helped them stay physically active and mentally strong. Obviously, a rigid routine does not really help given the complexities of old age, but one can always have a flexible routine which helps navigate through the day easily and in a more efficient manner. Having a Daily Routine allows: Look to 2020 and get a medicare advantage plan http://www.medicareadvantageplans2020.org

  1. A greater sense of self-control: When you have your day planned and organised you tend to feel more in charge and in control which helps boost overall self-esteem. Not only that one feels more secure and safe as the fear of the unknown is almost gone. You know what tomorrow brings you.
  2. Reduced Stress levels: When you have things going as per plans, you are much relaxed and at ease with yourself.
  3. Better Sleep: This is one of the greatest advantages of having a routine. When you have a highly engaging and active day it surely ensures a better sleep at night.

How to Plan your Daily Routine:

Before planning your routine carefully observe your day to day activities for a few days and if possible maintain a journal for some key activities and how much time you give to them. Then ask a few questions from yourself like: How would I like to spend my days?

How much time would I like to spend doing daily hygiene job and other regular important things?

How many hours I would like to sleep? (Make sure it’s not more than 9 hrs)

What are some of my favourite things to do?

How much time do I need for myself?

Which time of the day do I feel most active?

Make sure your routine has a healthy mix of daily regular chorus, Excercise, Recreational time, Personal Time, Social life, Any work you are engaged in and Your Sleep/Bedtime.

Here is an Example:

Morning

  • Brushing Teeth and finishing other morning routines of personal hygiene
  • Having Tea or Breakfast with my partner
  • Reading Newspaper
  • Yoga Class
  • Grocery shopping

Afternoon

  • Gardening
  • Having Lunch
  • Reading/Playing with my partner or a friend

Evening:

  • Having Tea
  • Going out for a brisk walk with my friends
  • Talking or spending time with my friends
  • Watching TV
  • Having Dinner with my partner
  • Sleep

How to plan your diet during old age

How to plan your diet during old age

Diet plays a very important role in human growth. Our body’s nutrition demand differs during different stages of life. While the basic remains the same for every type of diet, the portion size, what to eat when and how etc changes significantly. For example, it is hard to imagine a 70-year-old person, chewing sugarcane simply because of decaying teeth and bones in this age. Most of the elder people lose their body weight significantly and the occurrence of malnutrition is very common in this age. Thus it is very important to plan one’s diet carefully during old age. Ideally, the diet should be prepared by consulting a dietician or doctor. If there are enough care and support available at home then only it can be very well planned and followed. The problem gets further aggravated for those seniors who don’t have enough family support and the worst part when they themselves can not afford to consult a doctor and follow their diet routine. Planning for 2020 is easy here https://www.medisupps.com/medicare-supplement-plans-2020/

What type of food does body require during Old Age?

As the age progresses there are many physical, physiological and perceptual changes that occur in the body like decaying of teeth, losing muscle weight, slow rate of metabolism, lose bladder, loss of sensory stimuli like the taste, touch and see. So, it is very important to have a holistic diet planned keeping, the person’s needs in mind which can help develop a better immune system. Since weight loss is a very common problem among senior people so a high-calorie diet with enough fibre is a good option as this will help in aiding digestion and meeting body’s calories demand. Though senior people don’t get thirsty often however it is very crucial to have enough water in their diet and making sure that they do not take any alcoholic beverage. There could be certain other complications in terms of food allergies which needs to be given special attention. A person can develop allergies even if they didn’t have it in the past hence a thorough body checkup is highly recommended. Also, medication has to be kept in mind while planning the diet for senior people.

Certain Foods  which can be included in a senior diet:

Water, Blueberries (a rich source of antioxidants), fibre from vegetables, whole grains, legumes, fruits etc., Fatty Fish like Salmon, Mackerel, Sardon (High in Omega 3 fatty acid), Olive Oil, Yoghurt, Tomatoes, Broccoli, All types of Nuts, and Red Wine to help fight Bad Cholesterol. Apart from these check your local vegetable market after consulting your dietician and doctor. Also, add food supplements in your diet apart from the regular diet.

Health benefits of Socializing in Old Age

Health benefits of Socializing in Old Age

Humans are a social animal. We prefer to live in groups and associate with a certain group based on our culture, environment and personal likeliness. Peers and Groups play an important part in a Human’s life throughout. Unfortunately, the growing age can have a serious impact on one’s social life. Loneliness is a type of disease which can silently affect health adversely. It can bring in many serious medical complications especially psychologically. As per a study conducted by The Guardian in 2014, loneliness in older people is more dangerous than obesity and that lonely aged people have 14% great risk of dying.

Many say that women need more socializing as they can’t live lonely,  is absolutely not true. It is very important to spend a significant part of one’s day socializing, meeting old friends or making new friends for both men and women or any other person. If one didn’t have an active social life in the past it is very important to socialize in old age because of its therapeutic effect. Medicare supplement plans for 2020 ar found at https://www.medicaresupplementplans2020.com/

Benefits of having an active Social life:

  1. Emotional Support: Social Isolation is the leading cause of Depression, Getting older can be very difficult, and it is human nature to want support and care. Having few people around who you can trust and share things with only makes the process easier.
  2. Improvement in Physical Health: Apart from having a  group to go on exercise with or start a yoga class, group sharing can help lower blood pressure and lowers the risk of developing so many other chronic diseases at this stage of life.
  3. Improves Sleep Pattern: An active social life means an active lifestyle and daily routine which ensures that one gets a good night sleep as they go to bed.

Because of the times that we live in, Independence and personal space are highly valued and some older people especially introvert or shy elders may worry that their privacy will get compromised. This is again a false assumption. You can very well balance your ‘Me’ time and ‘Social’ time with a little planning and setting expectations with your friends or social circle. If you have never socialized much in your earlier years, it may come a little difficult for you in the beginning. However again you can slowly make new friends. Start by joining a closeby meetup group particularly based on your area of interest and things will soon be fine for you. Kids can become great friends with older people and such friendships goes a long way.

Perfect Investment Strategy For Seniors

Perfect Investment Strategy For Seniors

Having a great investment strategy is the perfect way to go for anyone who is 65 years and older. At your age, you are probably retired, and you can’t afford to lose your savings. Here is what a good investment strategy should look like.

  1. Decide on what investment options are best for you

There are plenty of investment options available for seniors. In fact, you can be overwhelmed by the great number of available options. To start off like a pro, you should first of all identify the options that best fit your financial situation, and your interests. You don’t have to do this alone especially if you are a new investor. Instead, get professional help from an expert investor. Be sure to consult reputable investment experts who are trained, registered and experienced.

  • Have clear outlined goals

Any good strategy must always have clear goals and objectives. Outline what you want to achieve through your investments. You must write down both long-term and short-term goals. Investment goals are what will guide you through. Without clear goals, you might end up making wrong investment decisions that may jeopardize your investment, savings and financial future. Again, an investment expert can help you with this part. Make getting a supplement plan from AARP via https://www.medicaresupplementplans2019.com/aarp-medicare-supplement-plans-2019/

  • A budget

Any senior who wants to invest appropriately must first of all have a reasonable monthly budget in place. A budget will help you avoid withdrawing money from our investment accounts anyhow. Remember that having a budget is one thing and sticking to it is another. You probably know this because you have been around for a long time.

  • Learn basics of investments

No one can be too old to learn. Even if you are not going to be the one managing your investment, you should at least learn understand the basic rules of the type and category of investment you intend to venture into. Learn and understand the tax implications, the nature of your investment, and rules and regulations you are required to adhere to. You should also learn about the challenges associated with the type of investment option you have chosen. In simple terms, learn as much as you can about the type of business you intend to do. After having a great strategy, you can go ahead and become an investor. Be sure to get actively involved in your business. You should not leave everything to your employees. You can also involve your loved ones.

Other Plans Vs Medicare Supplement Plans

Other Plans Vs Medicare Supplement Plans

A Medigap plan is identical to Medicare supplemental insurance. It is a private health insurance plan provided by a private insurance company with many benefits as regards health insurance. This is an excellent plan that is used to fill loopholes that are not covered by the original health insurance. This is the best option to keep you safe, so you have to pay for some of the health costs that are not covered by Original Medicare. Anyway, if you want to secure your life in the long run, you need to enroll for private health insurance.

To successfully protect your life, you must ask for good plans that will be useful if you cannot work anymore. Reliable private insurance firms now provide standard or modernized health insurance, tagged with the letters A to N. It is now necessary to stop thinking about advanced and standardized plans whose benefits are actually provided by huge insurance firms. The only difference however, would be the cost of each plan. Health insurance companies then set the premium and the rules and regulations by raising the monthly premium. Of course, your choice could naturally be an additional Medicare plan.

The cost of Medicare insurance plans can be very different. There can be a huge disparity in the premiums of most private insurance companies; however, the basic benefits of the Medicare plan from A to L will be similar. Although the basic benefits are the same, the cost will be different for each plan. This plan also guarantees some additional benefits that Medicare will not provide. If you have this plan, you can go to bed because it will be safe for your health through this plan. Before subscribing to these plans, compare Medicare supplements with other pricing, value and reliability plans.

State health supplements are a basic health insurance plan for the elderly and provided by private insurance companies. It is gaining popularity around the world as seniors do not want to spend more money out of pocket if they want to spend more money on health problems. As a result, private insurance companies sell additional Medicare insurance plans with many benefits to protect you effectively. These strategies are becoming very popular around the world as they offer reliability, security and benefits. As a result, these plans have so far been the most effective for older people around the world.

Health supplements provide better insurance for medical services and a wider network. Many Medicare supplements cover most or all of their deficiencies and usually cost less than $ 150 per month in most states. Their network is the Medicare network, which is a fairly extensive network. medical centers that work with Medicare. When a doctor receives Medicare, he usually takes his Medicare product (regardless of the company he bought it with). Medicare Parts A and B is the main insurance plan. Hence, Medicare will always decide whether the medical costs are covered and the supplement will only pay for the difference.

Medicare advantage plan quotes on the Internet

Medicare advantage plan quotes on the Internet

If you’ve had a buffet kind of lunch before, you’ll easily understand how Medicare advantages work with this illustration. Conventional Medicare insurance may be compared to the main course while the advantageal plans are the extras. Choose a health insurance plan that fits your needs and you will probably find that it is not a complete package. You must search for additional plans. If you’re looking for advantages, look for those that complement the main course. If you could ask for roasted potatoes, you will not ask for fries with filet mignon.

Medicare advantages function in the same way. You do not have to fill the pot, but you should have a full policy in your possession. If you qualify for Medicare, it is likely that you will depend on a fixed income, which means you have to count every penny. Medicare was never conceived as a global policy, so new policies were developed with the change of medical care and Medicare remained the same. These “advantageal plans” can be found in almost any private insurance company, depending on where you live and your rights.

Medicare advantages help you in paying your bills and protect you from rising Medicare short comings. To qualify for a advantageal health insurance policy, you must have medical sections A and B. Acceptance of the application is guaranteed if you are above 65 and enroll in health policy B within six (6) months following your first time in Policy B. Prevailing conditions may be suspended in certain circumstances.

Each company must have an A plan, but the rest is optional. First, you should review your choice of free Medicare advantage plans and choose the one that best solve your insurance needs; next look for the insurance company that offers the best service and the best price for this scheme. Some insurers will offer better prices than others, but the taste is more important. A buffet that cost 99cent is not edible if it has a bad taste. Similarly, a less expensive Medicare advantageal policy is not sound if quality coverage cannot be achieved.

Think of it as a buffet when it has to do with purchasing Medicare advantage plans. Seek for the best accompaniment for the main course you already have and you’ll have a full insurance policy in a short space of time. Focus on what’s right for you rather than asking others what you need. Try not to sign up with any insurance firms until you have settled for a plan. Some insurers are sales driven and require you to do everything possible to become a customer. There are plenty information concerning Medicare advantageal plans that you can find as long as you are willing to invest energy and time.

Even the insurer that offers Medicare Advantage Insurance https://www.medicareadvantageplans2019.org medicare advantage plans 2019 has to be properly connected in the state where you reside. Prices need to be in accordance with the standards of the industry and it is also essential that the company be financially sound. The customer service history is also a good indicator of how subcontractors see your connection to the business.

Medicare Advantage Policy Information

Medicare Advantage Policy Information

Although public health advantageal plans have become a very hot topic for discussion, there are misunderstandings that everyone should take note of. There are 4 facts about this insurance that must be taken into account before signing up for any policy at all.

Fact # 1: The cost of Medicare advantage insurance differs from one insurance provider to another. While there are similarities in these policies, regardless of who purchases them, premium costs vary from one insurance company to another. So make sure you evaluate several insurance companies before you decide to make a purchase. No insurance company is expected to offer 12 packages. An insurance company can then inform you of the policies it sells, if you really need another policy.

Fact 2: No matter who buys the Medicare Advantageal Insurance, it’s the same insurance coverage – this insurance helps fill the Medicare gap. This comprehensive program, from A to L, offers different levels of benefits and many private insurance companies can offer one or more. Regardless of who you refer to these policies, the insurance is the same. So, if a company tells you that its projects have some advantages over others, do not believe it.

Fact 3: Medicare advantageal insurance is required – according to law, only additional insurance is required. You can fill the gaps of Medicare easily by purchasing Medigap coverage. Hence, if plan D will cover your specific requirements, there is no need to purchase new strategies. Currently, according to the federal government, any attempt to sell additional plans is against the law.

Fact 4: You are the only one that can benefit from Medicare insurance coverage – you are covered by the Medicare policy and nobody else included, unlike traditional plans that usually include insurance for your spouse. Married couples are required to buy individual plans if they desire to enroll in Medicare. Hence, if a private insurer is trying to tell you that you can take out a Medicare policy to make sure you both, I do not know. Who benefits from Medigap advantage plans?

The US government has partnered with private insurance companies to implement a complementary Medigap advantage specifically for people with disabilities and seniors to provide comprehensive government-managed health care. The actual benefit is that Medigap assists patients in coping with extra costs not covered by Medicare, such as deductibles, coinsurance, and premiums.

Now, depending on what the insurer requires, some other services might be included in the insurance. Also, insurance is usually offered (where applicable) so long as the deductible periods remain. More importantly, and on the basis of the consumer-selected Medigap Advantage Insurance, there may be additional benefits that are not covered by conventional Medicare coverage, even though Medicare continues to pay health care costs approved. Speak with an independent Medigap insurance agent here https://www.medicareadvantage2019.org/ to help you follow the process. Bear in mind that the plan provides coverage for up to 80% of Medicare expenses, treatments, and equipment. The actual cost will depend on whether you only have Part A or Part B. Choosing the correct Medicare advantage plan will determine whether you are fully insured.

How To Stop Worrying About Your Finances

How To Stop Worrying About Your Finances

Most elderly people worry too much about their finances. Some are worried that they might lose their money to scams, while some are worried that the little money they have might not be enough to last them through the years. There are some effective ways senior adults like you are using to help them not to worry about money. You can also apply them in your situation and you will live a stress-free live as far as personal finance is concerned. Regardless of your financial situation, you can stop worrying about your finances by doing the following.

  1. Prepare a budget and focus on it

First, you need to come up with a budget. The budget should cover only the basics. From here, you can then use the extra money to start building an emergency fund every month. Of course, this budget is going to be tight, especially if you have limited resources. However, it will greatly help you. Don’t worry. You can adjust it when you become financially stable. Visit https://www.bestmedicaresupplementplans2019.com/ to get a 2019 medicare supplement plan as part of your financial planning.

  • Increasing your income

One of the main reasons you are worried about your personal finances is that what you are earning is not enough to pay your bills, feed you, and make you live comfortable. Now that you have prepared a budget, and you plan to stick to it, the next thing to do is to use the portion of your savings or income to invest so that you can increase the amount of money you are earning in the near future. You can also look for a part-time or full-time job if you still have the energy and you are in good health. Making more money to supplement your reduced income will help you stop worrying about your fiancés.

  • Pay your debts

Another reason why some elderly individuals worry about their finances is because they are not able to pay their debts. This is something that can make anyone. The only solution is to pay your debts. There is no any other way out. So, stop worrying and come up with a plan on how you are going to start paying your debts. If you have several debts, you can start paying a specific amount on each one of them every month. Once you are done with one debt, you can transfer the amount you were spending on it every month to another debt that is not too big. This way, you will be able to clear your debts in few months or years.