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Letting Your Grandparents Know How Much They Mean

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How You Can Honor Your Grandparents!

Our great nation has evolved to the country we love today thanks to millions of older Americans who have made great sacrifices through the decades. Unfortunately, younger people don’t always have the time or the inclination to show that we appreciate all that older generations have done for us.

Every September, we’re given an opportunity to show that we care by taking part in Grandparents’ Day! This year, Grandparents’ Day fell on a Sunday on September 10th. If you had not already made plans, these are some of the activities that you can share with your grandparents or other seniors who may not have immediate family members.

Activities To Share With Grandparents

  • Plant a tree together: Trees have long been seen as symbols of longevity, life, and legacy. What better way to honor your relationship with a grandparent than to plant a tree together? As the tree matures from a sapling, it becomes a lasting testament to the love you share. Not to mention, trees can benefit people for generations to come!
  • Help clean up the community together: If your community has a regular clean up day you can participate in, sign up with a grandparent and help keep the community free of trash and debris. If no such a day exists, you can still work together on a designated day to give nature a helping hand and to collect trash while bonding.
  • Find somewhere to volunteer together: Volunteering is not only great for senior mental health, but it can bridge the gap between different generations. Find a place where you and a grandparent can volunteer together such as a food pantry, church, hospital or an animal shelter.
  • Grab lunch with a grandparent: Many restaurants and cafes participate in Grandparents’ Day and show their appreciation of older generations by offering free coffee or food. Join your loved ones and invite your grandparents to such a restaurant or cafe to enjoy a meal together. It’s a great way to support a local business and show your love.

Assisting Hands Houston | Elder Caregivers in Houston TXHelp Your Grandparents Get The Care They Need!

Caring for your grandparents shouldn’t just be on Grandparents’ Day but every day of the year. If your grandparent needs help, consider talking about elder caregiving in Houston. Assisting Hands Houston is a community of seniors where every day is a chance to share the knowledge of generations with younger people and to enjoy a variety of exciting activities. Our community is wholly based on a personal approach where staff and family members regularly interact to give the care that seniors need.

It’s important for younger generations to learn from older generations. Assisting Hands Houston aids in providing seniors and young people the ability to interact in different social settings such as classrooms and through a multitude of activities. Regular school visits are scheduled where children and seniors can share their life experiences.

Get Educated!

Whether a loved one needs care or you’d like to volunteer, you can learn more about Assisting Hands Houston by calling us today at 281-540-7400 or by contacting us here. Our dedicated staff members can help answer all of your questions and provide you with volunteer opportunities.

Paying Attention To These Important Cancer Screenings For Your Loved Ones

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Understanding The Essential Cancer Screenings For Older Adults

We live in an era where we have the ability to take control of our own health and stay healthy.

The American Cancer Society suggests that all individuals should follow the recommendations that they have listed for essential cancer screenings.

This is an important aspect for older individuals as they are more likely to be diagnosed with some form of cancer than other areas of the population.

Seniors and their caregivers should know the various screenings that are available and when they should be scheduled.

Assisting Hands Houston | Cancer Screening For EldersCancer Screenings For Older Adults

Considering that Stand Up to Cancer Day is scheduled for September 9, the following is a list of various screenings that you or a loved one should keep in mind.

Lung Cancer Testing

If you are an active smoker or have quit in the past 15 years, it is recommended that you schedule a lung cancer screening. This type of screening features a low-dose CT scan which will look for early signs of lung cancer. It is essential that you discuss any risks, questions, and benefits with your health care physician or provider.

Colon Cancer Testing

Anyone of the age of 50 should have a colon cancer screening scheduled. This type of screening is covered by Medicare as it specifically searches for pre-cancerous polyps. If these polyps are found early enough, they can be removed before they become cancerous.

There are several different types of cancer screenings that are covered under Medicare depending upon risk factor and the date of the last testing. In fact, the American Cancer Society offers an extensive breakdown of Medicare coverage in these screenings.

Prostate Cancer Testing For Men

A prostate screening is essential but all seniors should talk to their physician about the many benefits and possible risks associated. When deciding upon a screening it is essential to consider overall health and not just age.

Breast Cancer Testing For Women

Mammograms are one of the most important aspects of screening for breast cancer in women. It is recommended to schedule a screening every two years. Women who are at a much higher risk should have one scheduled yearly.

If you are unsure of whether you are at a higher risk for breast cancer, it is best to discuss the situation with a health care provider. Age and family history will play a role in the risk factor.

As women age, the risk of cancer will increase. Some physicians will recommend other tests for those who are at a higher risk.

Cervical Cancer Testing For Women

Cervical cancer testing is essential for a healthy life for women, only if you have not been tested in the past ten years.

Are you still looking for more information about the best types of screenings for various ages?

The American Cancer Society has an excellent timeline that features the recommended ages for various cancer screenings.

Assisting Hands of Houston wants to help you make the best decisions for your life.

Regular cancer screenings are just a small part of a healthy lifestyle. The choices you make with your daily life matter as well. It is essential to consider the choices you make with diets, exercise, and habits, as they affect you in many ways.

One of the best ways to stay up to date on the latest research about aging and elder care in Houston Texas is to read the Assisting Hands Houston Blog. We feature many topics that older adults are interested in reading about including fitness, health, and nutrition.

Or we invite you to call us today or contact us here!

How To Prevent Sibling Rivalry As A Caregiver

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How To Manage Sibling Rivalry While You Are Caregiving

Assisting Hands Houston | Being A Caregiver in Houston TXWhen aging parents start experiencing health problems requiring caregiving, issues of sibling rivalry can arise.

Despite everybody’s best intentions, they can sabotage all of the efforts made to offer good care.

The key to making sure this extra stress is avoided as well as major family conflicts, is to learn how to manage sibling conflicts before they cause serious problems.

Conflicts among siblings frequently originate in childhood. This can make it tricky to work them out. Even those adults who believe they have been able to leave their old feelings in the past frequently find them resurfacing whenever family pressures start to intensify.

Old Rivalries May Be Replaced By New Family Dynamics

Fortunately, there are several potential pathways that can be taken to improve the relationships you have with your siblings. Finding the one that will work best for your specific situation is the key.

The following are a couple of suggestions from family relationship experts.

1. Maintain A Good Perspective On What Is Important

Sibling rivalry can increase stress levels noticeably for everybody, including your parents. Health and Houston caregivers issues that are associated with aging already have the potential to increase stress levels, but when sibling rivalry is added to the mix it can raise levels of toxicity even more.

Your sibling fights can potentially become another health problems for the very individual you are trying to help!

Try to take a step back and remember what is most important and what is at stake: the safety and health of your parent. When you stop to do that it may make it easier for you to resolve the problems you are having with your siblings.

2. Realize That Stakes Are Also High In Other Ways

AARP clinical psychologist and family therapist Barry J. Jacobs, states that the way people behave during the caregiving process remains with you all of your life. So those years of caregiving may set the tone for the way you get along with your siblings long after your parent has passed.

3. Keep Your Communication Open

When there are strong emotions involved it can be hard to keep communication open and clear. It is also very difficult to keep everybody informed when you have siblings living all across the country. You need to make your best effort to keep in touch since poor communication can make relations tense.

In these types of situations, one of the biggest complaints is that one sibling will feel disrespected or hurt when they discover that a decision has been made without their input. Frequently, medical conditions may suddenly arise, and somebody may forget to inform a sibling that lives far away.

To help avoid these kinds of potential family conflicts, plan for better communication.

4. Do Some Planning To Be Proactive

A small bit of planning can really go a long way. The best time to discuss caregiving responsibilities and roles before there is a major crisis. The most effective way to ensure that there is a good collaboration between sibling is decide which caregiving roles, if any, should be outsourced and divide up tasks and responsibilities between siblings ahead of time.

It is also essential to plan the financial aspects of your family caregiving. Financial factors associated with caregiving can potentially be a major source of conflict among siblings. Make sure to discuss and plan this aspect of caregiving with your siblings.

Consider Getting Help For Your Caregiving

Whenever an issue arises that none of your family members feel confident in handling, you should consider getting outside help. Assisting Hands Houston is able to help with issues such as how senior living can be financed or assisting when the main caregiver is going on vacation.

Give us a call today or contact us to learn about what Houston caregivers services we offer for short-term visitors or speak with one of our residents at Assisting Hands Houston to find out how they enjoy being a full-time resident with an Assisting Hands Houston caregiver.

Vaccinations Your Loved Ones Should Speak With Their Physicians About

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Key Immunization Conversations For Seniors And Their Physicians

There can be little doubt about the miraculous nature of vaccines and their ability to stop previously deadly diseases from developing in those treated with them. Thus, it is most perplexing that a large number of seniors citizens have failed to keep current when it comes to being vaccinated themselves. Those who are aged 65 or older may in fact be in need of boosters for vaccines already administered in the past.

There is no better time to discuss this issue with your physician than August, which is National Immunizations Month. Diseases that can be prevented with modern vaccines run the gamut from diphtheria to shingles, and it makes good sense to stay on top of them.

Key Vaccinations For Senior Citizens

The Centers for Disease Control (CDC) has indicated that those older than 65 must remain current on the following vaccines:

Assisting Hands Houston | Vaccinations For Elder Care In Houston1. Influenza/Seasonal Flu

Seniors have been told for years and years by physicians that they face a far greater risk of serious flu complications than younger individuals. With aging, the immune system loses strength and thus makes individuals far more susceptible to ailments related to the flu.

Annual statistics show that senior citizens are over-represented in the number of flu-induced hospitalizations and fatalities. Anyone under the impression that the flu vaccine has unacceptable levels of risk needs to know that both the CDC and the Public Health Agency of Canada strongly suggest that all seniors remain current with flu vaccinations, as these are the best defense obtainable.

2. Tdap or TD

The TD shot is a booster designed to guard against diphtheria as well as tetanus. Similarly, the Tdap vaccination provides coverage for those illnesses as well as whooping cough, otherwise known as pertussis. Each of these sicknesses has the potential to become deadly. Breathing issues are known to stem from diphtheria, due to the thickening that arises in the throat. Furthermore, tetanus can produce lockjaw, a condition which proves fatal in roughly one out of every five cases. The coughing that results from pertussis can be difficult to quell and is known to cause brain damage, seizures and even death in those affected.

3. Pneumococcal Vaccinations

The truth is that a pneumococcal disease is essentially a type of infection. It is the result of bacteria and may lead to bacterial meningitis, pneumonia, middle-ear infections and blood infections. Both young and old are vulnerable to this type of infection, and vaccination is the only mode of prevention. However, senior citizens are at greater risk of developing pneumococcal disease than all other demographic groups.

4. Zoster Vaccinations

This is a vaccine known to guard against an illness that plagues older individuals at alarming rates, namely, shingles. If you have ever known an individual afflicted by shingles, you already know that it brings excruciating pain and debilitating rashes. While the Zoster vaccination does not provide absolute protection against shingles, it does dramatically lessen the risk of acquiring the ailment. Also, if a case of shingles does emerge, it will be far less severe in someone who has received the Zoster vaccine.

Help From A Qualified Care Manager

When the time comes to have a discussion with your physician about vaccinations, having an advocate on your side can be a great help. Assisting Hands Houston employs the type of in home caregiver Houston trusts most. Not only can these professionals help with daily needs, they can also assist in the development of their Individualized Service Plan which provides a road map for comprehensive care.

Call us now or contact us today for more information!

The Benefits Of Making New Friends

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Reasons For Senior Citizens To Make New Friends

Those who have just retired or are planning to soon likely have a whole host of things on their to-do list. Retirement comes with a bit of frustrating irony in the fact that free time has become plentiful, but there may be a lack of folks with whom to pursue new activities. The reason for this is that it grows more difficult to maintain a full complement of friends and acquaintances during these years.

Stanford’s Center on Longevity recently found that older folks run a high risk of becoming disengaged from their social groups as they age. In fact, there is a strong likelihood that a high percentage of this age group will report feelings of loneliness and isolation.

Detrimental Health Effects Of Social Isolation

The fact is that loneliness and social estrangement are not just demoralizing and sad, they can also be harmful to your health status. Detachment from friends and society, in general, can negatively impact physical and mental health in those of more advanced age. Fortunately, there is no need to surrender to these types of feelings.

Growing Your Friend List After Retirement

There are a number of methods for establishing new friendships once you have made the decision to retire.

1. Volunteer Work

Few things are better for improving your community as well as your own well-being than helping others. No matter if you spend time at a soup kitchen or take care of stray animals at the shelter, volunteer opportunities to meet every taste and availability abound.

Assisting Hands Houston | Elder Care in Houston Texas2. Find Affinity Clubs

Also, a terrific way to build new friendships in the post-retirement years is to take part in shared interests with others. Clubs can be great for this purpose, as they unite those with common hobbies and interests in order to facilitate the pursuit of such activities. Sharing expertise and learning from others is ideal for forming new bonds.

Further, clubs of all sorts can be a wonderful conduit for generating interest in entirely new subjects and activities. Whether a club involves some sort of physical activity or is more intellectual in nature, the relationships fostered in these settings can prove very valuable over the coming years.

3. Mentoring The Young

With the population continuing to age, there is no limit to the ways in which senior citizens can provide critical mentorship and advice to other demographic groups. Their work experience, educational background, financial resources and other attributes make mentoring a perfect fit for seasoned citizens. The insights seniors can offer span the realms of business, culture, education and more, and younger generations can only benefit from listening and learning from these individuals.

4. Relocation To A Senior-Focused Community

Though some might initially balk at the prospect, relocating to a senior-focused residential community is often the push in the right direction older individuals need in order to stay active. With organized activities galore and nearly endless social opportunities around every corner, assisted living, independent living and memory care facilities can be an ideal place to explore new avenues and make lasting friendships. Assisting Hands Houston is among the finest elder care services in Houston, and is known for providing the social outlet’s senior citizens crave and need.

Assisting Hands Houston And Beneficial Socialization

All of the communities under the Assisting Hands Houston umbrella offer unique programs and organized activities meant to give seniors the chance to make friends, keep their minds active and engage with the world around them. Interested families can visit any of the participating communities’ website to review a sample calendar of events. This gives a great feel for the sort of vitality that is encouraged and achieved every day by seniors affiliated with Assisting Hands Houston.

Call or contact Assisting Hands Houston today for more information!

Seven Healthy Hobbies For Your Loved Ones

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Older Adults Can Do These 7 Healthy Hobbies

We all know that sometimes our favorite things to do aren’t really that good for us, and if your favorite things are not doing your health any good, then it’s time to pick up some new hobbies. For example, watching too much television doesn’t do anything for your fitness or mental goals. The good news is you don’t have to be a master at cooking vegan dishes or being obsessed with yoga to enjoy things that are good for you. With that said, here are a few hobbies you can do if you want to become healthier.

1. Bird Watching

Bird watching is one of the best things you can do and there are so many benefits of doing this hobby. For starters, when you are outdoors, you are being physical. Believe it or not, bird watching requires quite a bit of moving around.

Bird watching involves waiting around quietly and for long periods of time, so you will get plenty of peace and quiet, which is good for your mental health. It keeps you alert too because you will need to immediately grab your binoculars when you spot a bird. Other benefits include being good for your soul and it is a good social activity. Many people go in groups to do bird watching because the common interest in it brings them together.

2. Golfing

Many of the benefits associated with bird watching are experienced when you golf. Sure, you have to stay on one landscape when you golf, but you are still outside and getting fresh air. You’ll enjoy a number of cardiovascular benefits when you are out golfing, but there are social aspects of golf too. In fact, many people consider golf to be one of the most social activities you can do.

Even if you’re not playing a full game of golf, you can hang out in the clubhouse and don’t forget that it is a physical activity because you’re constantly swinging a club and walking along. Not only that, but golf can give you an ego boost. When you experience a victory, even a small one, then you will instantly gain confidence.

Assisting Hands Houston | Elder Care Activities3. Gardening

Gardening gets you outside and it’s quite physical. This hobby, like the other hobbies we will discuss throughout the rest of this article, offers the same benefits of golfing and bird watching. If you want to do something fun, relaxing and healthy, then take up gardening because you will love.

4. Photography

Photography is one of those hobbies that can be done outdoors or indoors. When you are snapping photos, you will be moving around and the chances are you will be bending over and standing up repeatedly. Photography can be very social too, especially if you are taking photos of human subjects.

5. Join a Walking Club

You can join a walking club. In fact, many Houston elder care services recommend doing this. When you join a walking club, you will feel more connected with your community. If you don’t want to join a walking club, then have a friend go with you on a daily walk or even just a few days a week.

6. Cooking

Cooking is a great activity that is healthy, especially when you focus on cooking and preparing healthy meals. You can even take cooking classes that are near your home. You will be dicing, slicing and chopping and you’ll be on your feet, which are all physical things. If you do take a class, then you will enjoy the social aspects of cooking.

7. Taking Classes

If you want to learn something new, then take a class because learning new things can be challenging and it is good for your mind. Many people believe that one of the benefits of Houston elder care services is they offer classes. With so many classes to choose from, you will surely find one you will enjoy.

As you can see, all of the above hobbies offer similar benefits, which includes social benefits, psychical benefits, and mental benefits. If you want to become healthier or remain healthy, then consider taking up some of the above hobbies and if you’re in Houston, then consider going into an elder care facility. Many facilities offer the above activities, but even if you don’t decide to go to one, make sure you still remain active by doing the above. The sooner you pick up one of those hobbies, the sooner you’ll experience the benefits it offers.

We invite you to call or contact Assisting Hands Houston if you have any more questions!

Paying Attention To Your Loved Ones Conditions

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9 Treatable Conditions Similar To Alzheimer’s Disease

Alzheimer’s disease does not cause all types of dementia. In fact, many conditions mimic Alzheimer’s, and in some cases to the extent that they have doctors stumped. Although it is never a good situation when symptoms include confusion, personality changes, and memory loss, there is still hope. With early intervention, many of the conditions mimicking Alzheimer’s disease can be treated, along with in home care in Houston TX. From side effects from drugs to vitamin deficiencies, many things can occur to cause confusion and memory loss.

Treatable Condition Often Mistaken For Alzheimer’s Disease

Actually, there are more than 100 conditions that have symptoms that might be mistaken for Alzheimer’s disease. The following are nine of the more common ones.

Assisting Hands Houston | Signs of Alzheimer's Disease1. Vitamin B12 Deficiency

When vitamin B12 levels are low, it may cause a kind of anemia that is characterized by slowness, irritability, and confusion.

2. Other Vitamin Deficiencies

Deficiencies in vitamins B6 and B1 may produce Alzheimer’s-like symptoms as well. Folic acid and niacin deficiencies may cause dementia as well, although this is rare.

3. Depression

When older adults are depressed they frequently are afraid they may have Alzheimer’s. That is due to the fact that depression may cause disorientation, lack of focus, slowness, and forgetfulness.

4. Thyroid Problems

Dementia-like symptoms can be caused by either too little or too much thyroid activity.

5. Medication Side Effects

Medications tend to be a common cause for cognitive decline. Confusion may be a side effect of a certain prescription drug that a senior is taking. The individual could also be having an adverse reaction to the medication they are taking or it could an interaction between several different prescriptions. Dementia-like symptoms are caused by some medications that get prescribed to seniors since as you age the kidneys and liver are not as efficient. Drugs may build up within the body, which can cause a toxic reaction which results in mental decline.

The following are substances that might cause older adults to have cognitive problems:

  • Cholesterol drugs
  • Sleeping pills
  • Acid reflux drugs
  • Cardiovascular drugs
  • Corticosteroids
  • Narcotics
  • Antihistamines
  • Anti-anxiety medication
  • Antidepressants
  • Sedatives
  • Alcohol (when there is alcoholism present)

6. Withdrawal from Drugs

Alzheimer’s-like symptoms can not only be caused by drugs but discontinuing using prescriptions may as well. The resulting disorientation and confusion may mimic cognitive issues that Alzheimer’s disease is associated with.

Two common examples are alcohol withdrawal syndrome and withdrawing from anti-anxiety drugs suddenly.

7. Normal Pressure Hydrocephalus (NPH)

Brain fluid gradually building up may cause pressure that can end up damaging brain tissue. Abnormal walking is one of the very first symptoms that might appear in NPH cases. Others include confusion and delirium.

8. Brain Tumor

Meningioma are a type of benign tumor that may cause a cognitive loss at times and is mistakenly thought to be Alzheimer’s disease. It is often possible to surgically remove the tumors.

9. Vascular Dementia

Vascular dementia may be caused by a mini stroke or stroke. Individuals who experience mini strokes frequently don’t even know they have had one. It is only after dementia signs start to arise that they suspect there might be a problem.

Sometimes vascular dementia can be treated with certain medications and cognitive rehab.

Being Aware Of Early Alzheimer’s Signs

If you or someone you love have symptoms that may possibly be Alzheimer’s, you should speak to your doctor as soon as you can. Real Alzheimer’s may be more effectively managed through the use of preemptive care, which is why early detection is so critical.

For any more questions you have regarding Alzheimer’s disease or in home care for your loved ones call or contact Assisting Hands Houston today! Our representatives are waiting to answer any questions and address any concerns that you may have.

The Important Questions To Ask Regarding Elder In Home Care

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Questions to Ask an In-Home Care Company

If you are considering hiring an in-home care company to care for your loved one, your primary concern will be ensuring your loved one is receiving the best care possible. It can be challenging to find the right outside party to care for these very personal responsibilities. Most families decide to vet care providers themselves; however, it can be quite difficult to know what questions that you should ask and what red flags to be aware of.

The following list of questions will help you determine the services that a company offers and determine the quality of care your family member will be receiving. A reputable home care company will offer amazing customer service and will be willing to answer all of your questions.

Remember that companies may do the initial intake either on the phone or in-person. There may be fees associated with this process, especially if it is a face to face meeting. During this process, you will discuss your loved one’s needs and gain an understanding of the services that the company offers. Use the following list of questions to ensure that you have the information that you need to make an informed decision.

Questions about the Business

  • How long has the company been in business?
  • What are the state licensing requirements for in-home care companies?
  • Is the company insured? (Get a copy of the company’s insurance declaration)
  • Are the caregivers bonded?
  • Does the company offer workers’ compensation for their employees?
  • Ask for a list of references from their past clients.

Questions about Care

  • Does the company offer a personalized care plan for each of their clients? What is included in a care plan?
  • Is the care plan updated regularly?
  • How are caregivers matched with clients?
  • Does the company have a policy for communicating with family members and the client?

Assisting Hands Houston | Elder Care Services in Houston TXQuestions about Caregiver Training and Selection Process

  • What is the process used for hiring caregivers?
  • Does the company conduct background checks on caregivers?
  • Is drug tests done? How often?
  • What type of training do caregivers receive?
  • Does the company require continuing education and training?
  • Will you be able to interview potential caregivers? Is there a fee associated with interviewing caregivers?

Questions about Company Policies

  • How are request or complaints handled?
  • Is it possible to replace a caregiver before the caregiver’s next shift?
  • What is the company policy for no-show or late caregivers?
  • Is there time minimums per shift or per work for caregivers?
  • Does the company specialize in certain types of care?
  • What services are not covered?
  • How are emergencies handled?
  • Are after hours phone calls answered by a staff member or an answering service?

Questions about Payment Methods

  • What are the forms of payment accepted?
  • Are there different rates for holidays, weekends or nights?
  • How often will you be billed?
  • Is there a deposit required for services?
  • Does the company accept long-term care insurance? If so, does the company bill the insurance company directly or will you need to pay the client and then file a reimbursement claim?

For more answer to your questions regarding senior in home care Houston contact Assisting Hands Houston today or call now for immediate assistance!

How To Save For Long Term Elder Care

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Money-Saving Strategies to Help Plan for Long-Term Care

Budgeting for a loved one’s long-term care can be a daunting task.

Assisting Hands Houston | Assisted Living Services in Houston TexasWhile many seniors have financial plans in place for retirement, through a personal savings account, 401(k), or pension plan, the cost of long-term care is often left out of these plans or the costs exceed their budget. As a result, many seniors end up needing specialized care when they don’t have the fund to cover the costs.

If a senior doesn’t have money saved away and they require long-term care, their loved ones might be left in a tight spot financially. Genworth Financial and CareScout conducted a survey finding that the national average cost for long-term care can range from $1,400 per month for adult day care services to almost $7,700 per month for a nursing home’s private room.

The odds that a family would not need to turn to some type of care assistance is not rare. According to the Department of Health and Human Services, almost 70% of adults over 65 years old will eventually need some type of long-term care.

Rather than taking risks, caregivers should begin working to save money for these long-term health care needs before it is needed.

What is Long-Term Care Insurance?

One of the best ways for you to plan ahead for your older loved one’s health support is to shop around for the best insurance plan. While Medicaid, Medicare, and private health insurance may cover some of the related costs, they typically don’t offer comprehensive medical coverage.

Long-term care insurance supplements these programs. When you need to use it, you will pay less money out of pocket. AARP explained that long-term care is not a medical expense which is why this care may lead to coverage gaps.

Some of these plans may also be pricey. There are many financial institutions that offer these programs, take the time to research several companies and the type of plans available, along with the pricing. This will ensure you can afford to comfortably pay the premiums each month and still receive the coverage your loved one needs.

It’s important to remember that the policy’s prices tend to increase as your loved one ages. If you’re interested in long-term care insurance, don’t several more years, while your loved one ages or develops serious health concerns. If a person is young and healthy person takes out this type of policy, the policy premiums will be significantly lower.

Tips for Saving Money for Long-Term Care

While a supplemental insurance policy may be helpful to some families, others find that it’s more cost effective than just paying for a long-term care plan themselves. If that’s the case in your family, you need to begin saving. That will help you have a safety net on standby.

There are various ways to start saving up for your loved one’s health care cost. Here are some that can get you started:

Create a dedicated account for long-term care

Set up a new account to cover potential health care costs. Whether you opt to open a personal savings account at the bank or invest, this fund should be set aside to cover the needs of your loved ones. This account should not be used for other purposes, you can’t be tempted to pull the funds out to use for other expenses. Because these funds are limited, you may need to have an accurate understanding of which services you can afford when you need it.

Stick to a contribution schedule

U.S. News & World Report states that you would be likely to save money if you start small, this makes the process easier. Create a schedule for adding money to the savings account that will help you achieve your goals. Whether you start by adding 5 percent of your paycheck or $10 per week, pick an amount that’s affordable. Add these funds to the long-term care fund and a timeline for when you add these contributions.

Many financial organizations allow you to use auto debit to take money from your checking account and deposit it directly into a savings account on schedule. After you feel comfortable with your ability to save, you can increase how much money you add each time.

You must be conscious of your spending

The more cautious you are on your spending, the more funds you’ll have available to save. Time.com says you don’t have to deprive yourself of luxuries when trying to save. However, you need to be careful of the purchases you make.

You should use coupons, discounts, compare various brands, and consider which products and upgrades are truly needed when shopping. By being cautious, you won’t end up spending more money than necessary. You should examine the type of purchases you make and decide which are perks and which are necessities. You may find that there are routine expenditures you follow out of habit and not out of a regular, actual need.

If you need help deciding on the type of account you need to set up long-term care or the best way to save money, reach out to a financial advisor. A financial advisor can help create a system that works for you. Whichever way you decide to save, planning can take the stress out of long-term care that offers the best benefit to you and your loved one.

Call or contact Assisting Hands Houston with any of the questions you may have about home healthcare agencies in Houston. If you are interested in learning about the services we provide visit here.

What To Consider When Looking To Cosign A Loan For Your Loved One

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Co-Signing A Loan

Someone just asked if you would cosign on a loan. So should you do this or not? At times some elderly advocates may consider doing this for relatives or friends. If you do decide to cosign, how can you protect yourself? You might be asked at some point in time to cosign a loan for somebody else. At least theoretically “cosigning” basically means “co-borrowing.” It means that you are agreeing to be 100 percent – or completely – liable to repay the loan as well as all of its related costs, which includes the loan principle, penalties, interest, cost of suit and attorney’s fees, if the other signer doesn’t comply with the loan terms. In addition, even if the loan is paid by the other signer, but they skip payments or pay late, those lapses are going to show up on your personal credit report. Given that there are so many burdens involved with cosigning, you should consider taking the following steps before, during and after you cosign.

There are several questions you should answer before cosigning a loan. Since prospective creditors providing the loan are going to be a debt of yours, will cosign on the loan affect your ability to be able to borrow in some way? Since you will be completely responsible for the loan should the borrower default, will you be able to repay the loan as well as all of its associated costs? Sometimes indebtedness will affect tax exemptions and have other tax consequences as well, will your taxes be affected by cosigning the law? Since sometimes loans are secured by other types of property like jewelry, homes, cars, etc., are you going to be asked to pledge some of your valuable property for this loan and will you be willing to risk actually losing this property?

Assisting Hands Houston | Elder In Home Care Provider in Houston TexasSupposing that you answer all of the questions above in favor of cosigning for the individual; you will then move to the considerations and steps to take while cosigning. For example, there are some states that do allow you to ask for a certain limitation to be instituted in terms of what responsibilities you have for the loan. In these cases, you are ability limit what your liability is on the loan principle and associated charge. Ask the lender to put it in writing. The limitations may state that the co-signer is only responsible for the principle balance on the loan and/or any other specified things. In addition, you can ask that the written agreement from the lender provide you with a written notice if the other signer has any misstep, like missing a payment or being late on any payments, or if any changes are made to the loan. That will allow to you react to any problems there are with the loan before they come critical and an attorney or collections department pursues you for payment. A cosigner can also take an addition proactive step to ensure that they are designed as the receiver of payment requests so that you can stay on top of all of the payments. Another request that you can make is to ask that you be provided with the exact dollar amounts by the lender of what you will owe and what the monthly payments are if the other signer defaults. Given that you are considered to be a borrower, along with the other cosigner, you are entitled to receive copies of documents like the Truth-In-Lending Disclosure Statement, the loan contract, and warranties, definitely from the other borrower or the lender. In addition, in some states like California, a lender is required to provide you with a written statements of what your obligations and rights are as a cosigner. It is a good idea to collect all of these documents and keep copies of them, which can help you in the event that something goes wrong with the loan.

After the loan has been cosigned, get the other signer to make the loan payment to you instead of the lender, and then you make the loan payments. That way you can make sure that all payments are made on time and in full. Then make sure to keep records of all of the payments that the other signer makes to you and payments that you make to the lender. If you don’t make this kind of arrangement where you are paid and then you pay the lender, then you will leave yourself open to a potential default by the other signer. In this situation, check on the status of the loan repayment periodically so that you can take action to remedy any problems if they arise. Either way, you should make sure to keep all of the documents that you receive that are associated with the loan payments. In the event that the other individual faults and you cannot handle issues as they occur, then you will be subject to collection/credit problems in the same way that you would if you were the original borrow. If this occurs, you will want to consult with an attorney who specializes in collections/credit in order to safeguard your cosigner rights.

The Do’s And Don’ts Of Co-signing A Loan

Co-signing a loan is a great way to help out a friend or family member in a time of need. The action can also put you in some serious financial trouble if handled incorrectly though, so make sure you consider the following do’s and don’ts before signing for anything:

The Do’s Of Co-signing A Loan

  • Think of your own financial future. Is signing this loan going to make it harder for you to borrow as well?
  • Prepare for the worst. If you’re going to co-sign for a loan, then you need to prepare as if you’ll have to pay the whole loan back yourself.
  • Understand the tax implications of signing for this loan. Your attorney or a licensed tax professional will be happy to consult you on the matter.
  • Figure out the collateral needed for this loan. You may be putting up property or assets that you aren’t willing to part with.
  • Attempt to get a limited liability clause, in writing, from the lender.
  • Ensure that you’re communicated with if any changes or problems occur.
  • Work with the lender to receive consistent payment updates.
  • Get copies of all documents, and keep them with your personal attorney.
  • Consider having the borrower pay you each month, and then you pay the loan payment.
  • Learn the collections process, just in case.

The Don’ts Of Co-Signing A Loan

  • Don’t let others dictate the process. You have the leverage here.
  • Don’t let emotion rule your decisions. Finances always need to be handled in a logical way.
  • Don’t work off of the honor system. You need to do everything legally possible to protect yourself in the case of default.

It’s a very good thing that you’re doing by considering being there for friends or family in a time of need. You can’t martyr yourself for their short-term financial gain though, so you need to approach a situation like this with a clear head. Make them give you reasons to say “yes” instead of you trying to find reasons to say “no”. Emotion can make that process to hard for you. In the end, you have to be prepared to say no if the risk is going to be more than you can stomach. This’ll be hard, as no one wants to say “no” to their loved ones if they can avoid it. Financial situations are hard to deal with, and it isn’t fair for you to ruin your personal situation to bail out someone who may not be doing their best to be responsible. The best thing you can do is to remove the emotion from the situation. You have the information that you need now to go through the process. Stay logical, be fair, and you can’t go wrong.

Growing up isn’t always the easiest. If you happen to be struggling with your decisions Assisting Hands Houston is here to help you with the process. Please call or contact us today for information regarding the services we provide, and the benefits of elder in-home care for your loved one.