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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!
Alzheon has reported encouraging results from its Phase 2 trial of ALZ-801, an oral treatment for early Alzheimers disease. The study showed cognitive benefits, a 28% reduction in hippocampal atrophy, and a strong safety profile, particularly for individuals with two copies of the APOE4 gene. With the Phase 3 trial now fully enrolled, topline results are expected in the near future. If successful, ALZ-801 could become the first oral anti-amyloid therapy for high-risk patients. Aqualane is proud to be part of this groundbreaking research and extend our deepest gratitude to all participants whose contributions are shaping the future of Alzheimers treatment.
Your chronological age and your biological age dont necessarily match. Around the ages of 44 and 60 the aging process accelerates in what has been dubbed a biomolecular shift, which dramatically impacts health and internal aging. Researchers discovered these two bursts of aging during the human lifespan, singling out the mid-forties and early sixties as key periods. But the greater shift in biological aging happens during your early sixties.However, out of this seemingly bad news is some hope. Now that science has pinpointed when these changes occur, it could help researchers uncover what is driving chronic disease as we age, potentially leading to earlier diagnosis or even strategies for prevention. So exactly what is going on during these periods of rapid biological aging, how do they impact health, and what can you do to be proactive? Lets break it down.Aging Isnt Primarily GradualYou can no longer assume that aging happens gradually. Ever notice that some people seem to age overnight or are really showing their age? While there is obviously gradual decline, more dramatic changes happen quickly and during certain periods of life. It all comes down to the molecules that make up your physical body. These individual molecules are what age, and studies reveal that they undergo greater change at certain ages, making aging non-linear or not so much gradual over time.How Periods of Rapid Biological Aging Impact HealthIn both your mid-forties and early sixties most people experience molecular level changes related to skin and muscle aging, cardiovascular disease, and the metabolizing of caffeine. This is why people tend to start or increase cholesterol or blood pressure medications during these times of life.Researchers also noted differences between the two periods of biological aging. People in their forties had a greater shift in relation to fat and alcohol metabolism, while those in their sixties underwent shifts related to immune regulation, carbohydrate metabolism, and kidney function.These facts seem to correlate with experience as many people in their sixties are less able to fight off sickness and are even more prone to weight gain and kidney trouble or even kidney failure. Cancer rates tend to spike around this time as the immune system is less able to fend off the invasive cancer cells. Cases of heart disease also rise during this time as people struggle more with their weight and rising cholesterol levels.Less expected, however, was the evidence of rapid aging during the mid-forties. But it becomes more understandable as you consider what characterizes the lives of most people during this life stage. Lifestyle makes a difference and life moves at a rapid pace during your forties. Often this is a time of busy family and work schedules, high work stress, divorce, and weight gain. You often have less time for self-care during these frantic years, and all combined, this shifts your body into a period of rapid molecular aging.Combat Biological Aging with Proactive StepsYou obviously cant stop the aging process but its possible to slow it down. The steps to achieve this arent all new or innovative. In fact, it involves putting common knowledge into practice which many people resist, at least until later life. Here are some unsurprising practical tips for slowing biological aging: Avoid weight gainEat more fruits and vegetablesControl diabetes and high blood pressureStay physically activeDont smoke And the way to prevent or avoid diabetes and high blood pressure is to limit sugar, processed carbohydrates, and saturated fats. If youre in your 40s, in addition to the above, its also beneficial to monitor and minimize your cholesterol levels, exercise to build muscle mass, and limit or avoid alcohol. For additional ways to combat aging, read our article, How to Live Longer: 12 Life-Boosting Habits to Start NowThe best rule of thumb is not to wait until your health begins to decline before making these changes. Adjust your lifestyle while youre still healthy, and you will see the biggest payoff. However, its never too late to start living with your health in mind, because changes at any stage will make a positive difference.Key Takeaways About Biological Aging in Your 40s and 60sScience previously thought that the human body aged gradually in linear fashion, but recent studies show that aging on a molecular level occurs rapidly during the mid-forties and early sixties. During your forties, this change is often due to lifestyle changes that can be altered for better outcomes. You can slow the aging process during midlife with regular exercise and a diet rich in produce and low in saturated fat and processed carbohydrates.
You know a vegan diet is touted for its plethora of health benefits, but now research suggests it can even make you younger at the cellular level, reducing your biological age. After just eight weeks of a vegan diet, one study found that biomarkers for biological aging decreased. How well your body functions is the focus of your biological age, which means it can be different from your chronological age, or age in years. A vegan diet is one of the specific lifestyle changes you can make to help you function like someone younger. When you slow your biological age, it can help you live longer and add healthier years to life without chronic disease.Understanding the Link Between a Vegan Diet and Biological AgeEven though civilization has made huge strides in prolonging life expectancy, much of the population still battles with age-related chronic diseases like diabetes or heart disease. But if we can slow biological aging, the prevalence of those chronic conditions will diminish further. This means we would not only extend our quantity of life by adding years but also our quality of life as these years would be healthier ones.Medical professionals can assess biological age in different ways. One way is through DNA methylation, involving molecular changes over time that flip genes on and off. Sometimes changes age the body faster and others may slow the aging process down. For this study, shifts in DNA were monitored in 21 pairs of adult identical twins. In each pair, one twin switched to a vegan diet and the other followed a healthy diet that included meats and animal products. Often confused with vegetarianism, a vegan diet is stricter and prohibits eating not only meats and fish but all animal byproducts as well. This means vegans must forgo eggs, cheese, milk, yogurt, and other foods that vegetarians consume.Study Reveals Vegan Diet Reduces Biological AgeThe study found a reduction in biological age markers for the twins who went vegan. But for the twins who continued eating meat and animal products, these same markers remained the same. Specifically, the study linked going vegan to reductions in biological age markers of the heart and liver as well as for the endocrine, immune, and metabolic systems. However, scientists cant be sure how much of the observed changes were solely due to the vegan diet and how much could be attributed to calorie reduction and weight loss. And since the study is small and not extensive, which means a broad conclusion cant be drawn about whether everyone should reduce biological age by going vegan. Furthermore, researchers cant be sure which aspect of the vegan diet is so beneficiallike eating less meat or eating more vegetables.How a Vegan Diet May Improve Molecular AgeOf all the modifiable factors, experts believe diet has the most impact on biological age. Plant-based diets have enormous anti-inflammatory benefits and are high in antioxidants, nutrients, and fiber which go a long way toward slowing biological aging. Vegan diets are also extremely low in saturated fats, a major contributor to chronic conditions like high cholesterol and heart disease. But before you jump on the vegan train, consider your approach. Its best to do your research and be sure a vegan diet is sustainable over time, even if youre not a strict vegan. Its better to be mostly vegan or largely vegan than to be strict for the short term. The benefits accumulate over time, which means a vegan diet must be a long-term commitment to have any lasting impact upon your health.Different Types of VeganismAs with any diet or eating plan, the health benefits depend on the specifics of what youre eating. Even a vegan can eat bad or unhealthy plant-based foods. Here are a few common types of vegan diets:Dietary vegans:Also called plant-based eaters, this is the most strict type of vegan. Adherents to this brand of veganism avoid consuming all animal products but still use non-vegan products in other forms such as clothing and cosmetics. Whole-food vegans:These veganites eat only vegan-whole foods, omitting any processed vegan products. The focus of this diet is vegetables, fruits, legumes, whole grains, seeds, and nuts. Junk-food vegans:These are the opposite of whole-food vegans. A large part of their diet contains processed vegan foods like fries, frozen dinners, vegan meats, and desserts like vegan cookies and non-dairy ice cream.Raw-food vegans:Although safer than meat-eating raw food fans, those who follow a vegan raw-food diet eat only foods that are either completely raw or cooked at temperatures below 118 degrees Fahrenheit (48 degrees Celsius).Low fat raw-food vegans:This type of vegan diet avoids high fat vegan foods like avocados, nuts, and coconuts. They eat a lot of fruit in addition to raw vegetables. Because they dont eat nuts or processed soy, it can be difficult for this type of vegan to get the proper amount of protein or healthy fats.Of the many types of vegan diets, a whole-food vegan diet offers the most health benefits, allowing you to eat the most variety and gain the most nutritional benefit. If you want to try a vegan diet, consult with your doctor about what is most appropriate for you and to ensure youre able to gain all the nutrients you need.More Health Reasons for Going VeganSince diets high in red meats have been linked to cancer, diabetes, and heart disease, more people are considering a vegan diet as a healthy and safer alternative. Plant-based diets are closely associated with a lower risk of developing these diseases and dying prematurely.Many people also experience better digestion when eating primarily plant-based, and additional research has linked it with a reduced risk of Alzheimers disease.Additionally, some research suggests that if you eat a vegan diet youre more protected from the side effects linked to the antibiotics and hormones in modern animal products.Another major factor in reducing the risk of chronic disease is weight loss that is often inherent with a vegan diet. When you cut out the calories found in higher fat meats, highly processed foods, dairy, and other animal-based foods, its much easier to maintain a calorie deficit or the right amount of calories for a stable weight.However, you may be surprised to find that going vegan, though beneficial for reducing biological age, might also leave you short in certain nutrients. As a vegan, you must be mindful of consuming the proper amount of protein, healthy fats, iron, B12, calcium, selenium, zinc, iodine, and vitamin D. These nutrients are specifically found in animal products and little to none exist in plant-based foods. A vegan diet can be perfectly healthy as you are aware of some of the deficiencies and intentionally plan for them, whether by intentionally incorporating foods rich in these nutrients or taking supplements to account for them.Common Vegan Foods for Healthy AgingHere are some of the plant-based replacements vegans use to replace animal products.Tofu, tempeh, and seitanThese foods offer a protein-rich alternative to meats, poultry, fish, and eggs. You can use them in recipes or prepare them as you would a meaty main dish.LegumesThese include beans, lentils, and peas, which are excellent sources of nutrients and can be prepared in many ways or added to a variety of recipes. Lentils are also an important source of vegan protein while also containing complex carbs.Nuts and nut butterIf you eat these unblanched and unroasted, youll get a larger dose of fiber, iron magnesium, selenium, zinc, and vitamin E.SeedsHemp, chia, and flaxseeds provide a healthy amount of protein and those necessary healthy fats like omega-3 fatty acids.Calcium-fortified plant milk and yogurtVegans get some of the necessary calcium, B12, and vitamin D from fortified vegan dairy products.AlgaeThis is an excellent source of complete plant protein, specifically if you buy spirulina and chlorella varieties. Nutritional yeastThis is another way for vegans to get more protein. Its often in a flaky form and can be shaken onto or into vegan dishes. It has a mild cheesy flavor. You can usually buy brands fortified with B12.Whole grains, cereals, and pseudocerealsThese are excellent sources of complex carbs, fiver, B vitamins, iron, and minerals. Some high-protein examples include teff, spelt, amaranth, and quinoa. You could also include steel-cut oats and even the more processed oat varieties.Sprouted and fermented plant foodsVegans regularly eat tempeh, miso, natto, sauerkraut, pickles, kimchi, and kombucha which contain probiotics and vitamin K2. You can also improve mineral absorption by eating sprouted and fermented foods.Fruits and vegetablesA foundational element of a vegan diet is fruits and vegetables. Both are packed with nutrients and antioxidants. Eating leafy greens like spinach, kale, watercress, bok choy, and mustard greens boosts iron and calcium. Is Going Vegan Worth It?A growing body of research suggests there are real and impactful health benefits linked to a vegan diet. So if its overall health and nutrition youre concerned about, a vegan diet may be worth the inevitable sacrifices. This is especially true if youre interested in slowing the biological aging process. Just keep it in mind that you dont have to adopt a vegan diet in the strictest sense to see health benefits. Drastically reducing the consumption of saturated fats or animal products will have a positive impact and reduce health risk.
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.