Fall Prevention Awareness

As our loved one's age, it becomes increasingly important to monitor their well-being in various aspects of life, including their finances. Its not uncommon for seniors to struggle with financial management. For seniors experiencing cognitive decline or physical limitations, staying on top of finances can become a real challenge.Recognizing the signs that your senior loved one may need help with their finances is crucial for their financial stability and overall well-being. In this article, well explore some red flags that could indicate your loved one is having difficulty managing their finances and discuss some practical ways to offer support. Spot the SignsWhile everyones financial situation is unique, looking out for signs that your loved one is struggling can help you determine when intervention may be needed. Spotting unpaid bills, unopened mail, or overdue notices at your loved ones house may indicate that theyre having difficulty keeping track of their financial obligations.You may also notice unusual spending patterns or strange purchases that are out of character for your loved one. If your loved one is expressing concerns about budgeting or affording their basic needs, this could be another sign theyre having trouble managing their finances effectively.Consider Senior Living OptionsProblems with financial management may indicate memory problems or other age-related issues. For example, AgingCare recommends evaluating your loved ones health and functional abilities when you visit, looking for signs that they may need assisted living care.If you think your loved one needs care 24/7, start looking around online for nursing homes in your area. The earlier you start looking, the more time youll have to compare facility pricing, payment options, reviews, and amenities. For example, Frasier offers a variety of care options, from independent living to skilled nursing care, to meet the needs of seniors with varying care needs.Start a Conversation About MoneyWhen you notice signs that your loved one may be having financial trouble, its time to broach the subject. Conversations about money can be uncomfortable but do not delay, especially if your loved one is showing signs of cognitive decline. As early as possible, start asking questions to get a clearer picture of your loved ones finances. For example, ask where they keep their financial documents, how much debt they owe, who serves as their financial advisors, and what planning theyve done for the long term.Seek Guidance from a Financial Advisor If you dont feel comfortable offering financial advice to your loved one or are unsure how to best move forward with their financial situation, dont hesitate to speak to a professional. A certified financial advisor (CFA) will create a financial plan that aligns with your loved ones immediate and long-term financial goals. A financial advisor can also help your loved one avoid financial scams and exploitation.Consider looking for a financial advisor who specializes in senior finances, as these professionals will better understand planning for living on a fixed income, budgeting for long-term care, and investing in retirement accounts.Set Up Automated SystemsThanks to innovations in financial technology, managing money can be largely automated. Set up automated systems so your loved one has fewer financial matters to keep track of. For example, Clever Girl Finance explains that you can automate bill payments and contributions to savings and investment accounts. Start by signing your loved one up for automatic debits from creditors and service providers. For providers that dont offer this option, set up bill payments with your loved ones bank.Supporting a senior with money management requires a great deal of patience, compassion, and open communication. Remember that each situation is unique, and the level of support required by your loved one may vary from help paying monthly bills to long-term care in a skilled nursing facility. By keeping an eye out for potential financial struggles and acting promptly when you notice a need for support, you can ensure your loved one maintains a high quality of life.

Congratulations on your retirement! Now what? You may find yourself wanting to still work in some capacity. Think about starting a side gig to keep yourself engaged and active. There are numerous opportunities available for retirees who want to continue working part-time.What side gig is right for you?Not all side gigs are worth it. Its important you find something that fits into your existing schedule and also plays nicely to your strengths. Furthermore, you want something that generates enough money. Do you have any transferable skills that would apply to any other field? You can take career and personality tests to learn more about what you might be good at.Convenient side gig ideas for seniorsCaregiving can be a tiring, physically-taxing job. That means you want a side gig that is, preferably, less demanding. Perhaps something that uses mental energy might be more suitable. Entrepreneur offers a bunch of convenient options: Managing social media for small businesses, tutoring over Skype, becoming a personal chef, and starting a food business. Finding and applying to side gigsYou can find side gigs through all the ways youd find a normal job. Some examples are scouring job boards or sites, attending job fairs, and checking social media posts. Approaching businesses in your area for a job can work, as can networking with the people you know.Starting your own business is an alternative that may be worth exploring. It could give you a great deal of work and time flexibility. Some types of businesses dont require much in the way of initial investment either. If youre interested in a business, work on your business idea, do market research, and come up with a business plan.Starting an e-commerce businessAn e-commerce business is a wonderful example of a flexible business you can do in your spare time. You dont need to man the stations constantly, and you could do it from home. If you utilize an e-commerce platform, it will handle much of the grunt work for you. You can create intuitive, engaging, and personalized shopping experiences across all channels. Look for a platform that has features such as rich content tools, inventory management, powerful analytics, data insights, flexible customization capabilities, and secure payment processing. This is an option to help with searching out something suitable.Legal considerations when you start your own businessWhen you start your own business, you need to take care of some legal aspects:Essentials: Some things you may need to consider are acquiring a DBA name, registering with the town or city, acquiring permits or licenses, opening a bank account, and getting insured.Business entity: You may want to register your entity as an LLC or similar legal structure. Doing so can offer some benefits like easier paperwork and more flexibility.Taxes: You will need a unique Employer Identification Number (EIN). Also, you will need to keep tax records. You can work with an accountant or use software to make this easier.Contracts: You may need a slew of contracts. Some examples are founders agreements, employer-employee contracts, and contracts for your clients to sign.Focus on marketingIf theres one business function you need to prioritize, its marketing. Marketing is essential to making yourself known to potential customers and clients. Some marketing must-haves are a business website, business cards, and entries in business listings. Starting a marketing campaign can help you find more customers too. Hurree covers marketing strategies that are worth exploring such as email marketing, social media marketing, and co-branding.ConclusionGetting a side gig could be your ticket to more financial abundance and general life satisfaction. Finding something appropriate could take some time (as could building up your own business), so its a good idea to get started today. For the best results, believe in yourself and keep at it!Article by: Hazel Bridges, Aging Wellness

As the leaves begin to change and the air turns crisp, its a beautiful reminder that autumn is upon us. While the fall season brings cozy sweaters and pumpkin spice, it also presents unique challenges, especially for seniors. With slippery leaves, shorter days, and the onset of colder weather, its crucial to take steps to ensure your home is as safe as possible. Here are some essential fall prevention safety tips to help create a secure home environment this autumn.1. Keep Walkways Clear of Leaves and DebrisFallen leaves can be beautiful, but when they accumulate on walkways, they can become slippery, especially when wet. Regularly rake and clear paths, driveways, and steps to prevent slips and falls.2. Improve Outdoor LightingAs daylight hours shorten, good lighting becomes more important than ever. Make sure outdoor lights are functioning properly and consider adding motion-sensor lights around entrances and walkways. This not only helps prevent falls but also enhances security around your home.3. Install Grab Bars and HandrailsBathrooms and staircases are common areas where falls occur. Installing grab bars in the bathroom and handrails along stairs can provide the extra support needed to prevent accidents. Ensure these are securely attached and regularly check them for stability.4. Use Non-Slip Mats and RugsSlippery floors can be hazardous, especially in areas prone to moisture, such as entryways, kitchens, and bathrooms. Place non-slip mats in these areas and secure rugs with non-slip pads to prevent them from sliding. This simple step can significantly reduce the risk of falls.5. Declutter and OrganizeCluttered spaces can be a tripping hazard. Take the time to declutter your home, especially in high-traffic areas like hallways and living rooms. Ensure that cords, shoes, and other obstacles are stored away properly. A tidy home is not only more comfortable but also safer.6. Schedule a Heating System CheckAs temperatures drop, you'll likely be using your heating system more frequently. Before the cold fully sets in, have your heating system inspected by a professional to ensure it's working safely and efficiently. A well-maintained system can prevent accidents and keep your home warm throughout the fall and winter.7. Check Fire Alarms and Carbon Monoxide DetectorsWith the increased use of heating systems, its important to ensure that your fire alarms and carbon monoxide detectors are functioning correctly. Test them monthly, replace batteries as needed, and consider upgrading to newer models if your devices are outdated.8. Consider a Free Senior Home Safety AssessmentFor seniors, creating a safe home environment is essential. TruBlue offers a Free Senior Home Safety Assessment to help identify potential hazards and recommend modifications to enhance safety. Our certified Senior Safety Specialists can provide personalized solutions that cater to the unique needs of seniors, allowing them to age in place safely.Fall is a season of change, and its the perfect time to take proactive steps to ensure your home is safe and secure. By following these fall prevention tips, you can reduce the risk of accidents and create a more comfortable living environment. Whether its clearing walkways, improving lighting, or installing safety features like grab bars, each small action can make a big difference.At TruBlue, were committed to helping you maintain a safe and comfortable home. Contact us today to schedule your Free Senior Home Safety Assessment and take the first step towards a safer autumn. Together, we can ensure that you or your loved ones can enjoy the beauty of the season without worry.