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There is no question that people with dementia related diseases will eventually develop a problem in regard to dealing with their daily finances. In my father’s case it was the first sign to me that something was very wrong.
Throughout the years it had always amazed me how he never needed to use a calculator. He could do complex math equations in his head like a bona fide mathematician. But suddenly I began to notice that he couldn’t even balance his checkbook correctly.
Complications in money managing are a common early sign of dementia. Trouble counting change, stacks of unopened bills or excessive purchases on credit card statements can tell the tale. Unfortunately, this may not be noticed until there is a large amount of debt already accumulated. This is due to their short-term memory loss.
Sadly, there are thousands of deceitful people just waiting for the chance to take advantage of those who are memory impaired. Telemarketers, charity scams, health care scams and even door-to-door solicitors can be absolutely brutal to anyone who becomes easy prey.
Things to be on the lookout for are large numbers of packages being delivered, sudden changes in their bank account balances and overdue bill notices.
One option may be to re-route their mail to a post office box so you, the caregiver, can have a firsthand look at what’s going on. But you may also find, as I did, that there is rarely any time to go and retrieve the mail.
Try switching out their credit cards with prepaid ones and only let them carry around small amounts of cash. With my father, I always tried to make sure he had some money in his pocket. This way it kept him feeling as if he still had some kind of independence. Although, he was always trying to pay someone for their services, even if he did not owe them a penny. This included Hospice nurses that came to the house. Well actually, most of the time he would just tell me to pay them.
Now, what if you find out that they have already accumulated a $10,000.00 credit card debt? Request a copy of a free credit report with their name on it. This will show you when these accounts were actually opened. If they are newer accounts that have been acquired after the symptoms of dementia have started, these accounts may not be valid. A person must be fully competent and in sound mind when signing a contract. Also check to see if they signed up for credit card insurance. This would be quite helpful in dealing with the pay-off.
Have their doctors write a letter stating that they are permanently cognitively impaired and approximately when their symptoms began. If they are residing in an adult care center, have the administration write a letter verifying that they are now under their care.
Take some comfort in knowing that Social Security funds cannot be garnished for credit card debt. However, pensions and personal savings are vulnerable.
If this all boils down to you having to appear in court on their behalf, you’ll want the judge to review these documents. And if you haven’t already consulted with an Elder Law Attorney, I suggest you do so right away. Whatever fees you have to pay the attorney will surely make up for the outcome if you don’t have the correct legal advice.
This is why it’s so important to have someone that’s trustworthy appointed as Durable Power of Attorney early on.
As the Power of Attorney, it is vital to get in that strict habit of placing P.O.A. at the end of your signature every single time you sign something on their behalf. This will protect you. Also, realize your rights as a P.O.A. will cease to exist the very moment they take their final breathe.
We must be ever diligent when seeking to protect our loved ones afflicted with this devastating disease. There truly are vultures perched on every corner just waiting for the right moment to swoop in!
There are two main types. Type I (Juvenile) and Type II Type 2 diabetes is much more common and is typically caused by lifestyle choices. Unlike type I, the pancreas can make insulin, but not enough. This leads to the sugar being left in the blood stream instead of being pushed into the cell for an energy source.Some risk factors for developing type 2 diabetes:weightinactivityfamily historyhigh LDL cholesterol levelsAge over 45prediabetesComplications of type 2 diabetes:blood vessel disease nerve damage impaired healing heart disease stroke kidney disease eye damage dementiaPeople with type 2 diabetes, on average, have a shortened life expectancy by about 10 years.You can prevent type 2 diabetes by: eating properly exercise losing weightBalancing your nutrition with the proper amounts of proteins, carbs and fat not only helps you look better, have more energy and confidence but it also prevents chronic disease. Over 80% of chronic disease is preventable through lifestyle modification!
Hypertension or high blood pressure is a common condition medical professionals call the silent killer. Silent because having elevated blood pressure often goes undetected for years or decades as it slowly causes fatal changes throughout the body, leading to death. Common comorbidities of prolonged hypertension include: kidney failure, heart attack, stroke, angina, dementia, vision loss, blindness, sexual dysfunction, cardiomyopathy, heart failure, fatigue, artery damage, blood clots, and much more. Unfortunately, many individuals do not know or treat hypertension until the damage has already taken place. But it's not too late. There are many methods and options available to treat and eliminate this life threatening condition. The traditional method of treating hypertension consists of a doctor's visit, finding of hypertension, a series of cardiac studies, and then being prescribed medication.Often this is accompanied by a diagnosis of genetic hypertension, familial hypertension, secondary hypertension or idiopathic hypertension (unknown cause). Regardless of the diagnosis, the underlying cause can go unnoticed and untreated. Frankly, because there is not enough time and individuality to this approach. The band aid approach. So what's a normal blood pressure? Ideally 120/60.When does blood pressure become dangerous? When your systolic pressure (the first number) rises above and sustains above 150 you should be concerned.Long term effects of elevated blood pressure leads to interior vessel damage and therefore creates even more of a risk to you such as narrowing of the blood vessel, clotting and arteriosclerosis. So what generally leads to hypertension?Some causes for hypertension include obesity, hypernatremia or high sodium, lack of exercise, elevated homocysteine, sleep deprivation, substance use, smoking, stress, hypercholesterol or high fats in the blood, diabetes, kidney dysfunction, lung disease, diet and age.Getting to the core issue and addressing the primary cause or causes of hypertension is the ideal treatment. Unfortunately this is often challenging and time consuming for individuals to navigate themselves. They find there is no direct guidance from medical professionals. Instead the medication seems to be the end all be all approach. Most providers are unfortunately taught this method in school and are not programmed to use a holistic approach.Depending on the cause of hypertension, there are methods and scientifically proven lifestyle changes that can eliminate the silent killer in your life, without having to take medication with harmful side effects. Here are some general non-specific ways to treat hypertension:1. Sodium. Water follows salt. The more salt you digest, the more water that attaches to it. This fills up the veins and arteries, and the pressure makes the heart have to work harder to pump. By reducing sodium intake, we reduce the amount of fluid in our vascular space and lessen the workload of the heart. 2. Quit smoking. Smoking causes damage to the inside of our vessels, contributes to blood clotting, and damages your lungs. The damage in your lungs causes a backup of blood flow.3. Exercise. Your heart is its own muscle and requires exercise. When we exercise, we require the heart to improve endurance. Therefore when we are at rest, it has an easier time pumping blood.4. Diet. Eating a well balanced diet can reduce excess cholesterol. Bad cholesterol component that accumulates inside your vessels. When this happens, the opening becomes smaller making the heart have to pump harder to push through.5. Weight loss. Losing excess weight means the body needs less blood to feed extra tissue. When we lose weight, we reduce the need for the heart to pump harder to feed the excess mass. The extra pumping causes the heart muscle to become large then sets into other diseases, such as heart failure.6. Stress reduction. Stress induces a response in our body, causing inflammation, increasing our heart rate and narrowing our vessels. This again causes the heart to have to pump harder and thus increases our blood pressure.Utilizing an experienced certified nurse and wellness coach can bridge the gap between lifestyle modification and optimal health. By utilizing this approach, you can obtain a personal and individualized plan and treatment for hypertension and other ailments concurrently. To learn more about a specific plan designed for you or to schedule a free consultation, click below. I would be happy to see if we are a good fit to work together and begin living the life you were designed for and the care you deserve.
Physical activity helps your brain, but did you know even some sedentary activities can ward off cognitive decline? Creative crafts, reading, and puzzles such as Sudoku or Scrabble keep your brain mentally stimulated. Try word and number games rather than TV or gaming. So, when you rest your body, make sure you're still engaging your brain. Summary: New research highlights that some sedentary activities, like reading or crafting, are better for brain health than others, such as watching TV or gaming. A study of 397 older adults found that mentally stimulating and socially engaging activities support memory and thinking abilities, while passive screen time is linked to cognitive decline.This insight is crucial, as 45% of dementia cases are linked to modifiable lifestyle factors. Researchers suggest swapping passive activities for more engaging ones to protect brain health, even during indulgent holiday marathons.Key FactsCognitive Benefits: Reading and social engagement improve brain function, unlike passive screen time.Preventable Risk: 45% of dementia cases could be reduced through lifestyle changes.Healthy Swaps: Small activity changes, like breaking up TV time with reading or movement, benefit the brain.Source: University of South AustraliaIts that time of the year when most of us get the chance to sit back and enjoy some well-deserved down time. But whether you reach for the TV controller, or a favourite book, your choice could have implications for your long-term brain health, say researchers at the University of South Australia.Assessing the 24-hour activity patterns of 397 older adults (aged 60+), researchers found that the context or type of activity that you engage in, matters when it comes to brain health. And specifically, that some sedentary (or sitting) behaviours are better for cognitive function than others.When looking at different sedentary behaviours, they found that social or mentally stimulating activities such as reading, listening to music, praying, crafting, playing a musical instrument, or chatting with others are beneficial for memory and thinking abilities. Yet watching TV or playing video games are detrimental.Researchers believe that there is likely a hierarchy of how sedentary behaviours relate to cognitive function, in that some have positive effects while others have negative effects.Its a valuable insight that could help reduce risks of cognitive impairment, particularly when at least 45% of dementia cases could be prevented through modifiable lifestyle factors.In Australia, about 411,100 people (or one in every 1000 people) are living with dementia. Nearly two-thirds are women. Globally, the World Health Organization estimates that more than 55 million people have dementia with nearly 10 million new cases each year.UniSA researcher Dr Maddison Mellow says that not all sedentary behaviours are equal when it comes to memory and thinking ability.In this research, we found that the context of an activity alters how it relates to cognitive function, with different activities providing varying levels of cognitive stimulation and social engagement, Dr Mellow says.We already know that physical activity is a strong protector against dementia risk, and this should certainly be prioritised if you are trying to improve your brain health. But until now, we hadnt directly explored whether we can benefit our brain health by swapping one sedentary behaviour for another.We found that sedentary behaviours which promote mental stimulation or social engagement such as reading or talking with friends are beneficial for cognitive function, whereas others like watching TV or gaming have a negative effect. So, the type of activity is important.And, while the move more, sit less message certainly holds true for cardiometabolic and brain health, our research shows that a more nuanced approach is needed when it comes to thinking about the link between sedentary behaviours and cognitive function.Now, as the Christmas holidays roll around, what advice do researchers have for those who really want to indulge in a myriad of Christmas movies or a marathon of Modern Family?To achieve the best brain health and physical health benefits, you should prioritise movement thats enjoyable and gets the heart rate up, as this has benefits for all aspects of health, Dr Mellow says.But even small five-minute time swaps can have benefits. So, if youre dead set on having a Christmas movie marathon, try to break up that time with some physical activity or a more cognitively engaged seated activity, like reading, at some point. That way you can slowly build up healthier habits.This research was conducted by a team of UniSA researchers including: Dr Maddison Mellow, Prof Dot Dumuid, Dr Alexandra Wade, Prof Tim Olds, Dr Ty Stanford, Prof Hannah Keage, and Assoc Prof Ashleigh Smith; with researchers from the University of Leicester, and the University of Newcastle.Author: Annabel MansfieldSource: University of South AustraliaContact: Annabel Mansfield University of South AustraliaImage: The image is credited to Neuroscience NewsOriginal Research: Open access.Should We Work Smarter or Harder for Our Health? A Comparison of Intensity and Domain-Based Time-Use Compositions and Their Associations With Cognitive and Cardiometabolic Health by Maddison Mellow et al. Journals of Gerontology Series A
Arden Courts provides a safe and pleasing home for individuals with memory loss, including enclosed courtyards and a backyard with walking paths. We are a residential living alternative designed for individuals diagnosed with Alzheimer's disease and other types of memory impairments. We offer the services traditionally associated with an assisted living residence, while taking into account the special needs of individuals with memory loss including safety, building layout, activities and dietary needs.