Guest Blog: Fraud, Scams, and Other Challenges Elders Face
Elder fraud is an enormous problem that involves massive financial loss and elder abuse. The misappropriation of finances and financial control is known as elder financial abuse or financial exploitation. Elders report losing approximately $1.17 billion each year, but the AARP estimates a more accurate number is probably closer to $40 billion.
Scams and Challenges Faced by Seniors
Elders face losing their independence, neglect and abuse, diminished physical ability, and age discrimination. Even healthy elderly individuals may fall prey to schemes at the hands of criminals or family.
Elderly individuals who require daily assistance may suffer abuse and neglect from caregivers and family members. Being left dirty and unbathed is one of the many signs of neglect that point to elderly abuse. Be on the alert for fraud and abuse perpetrated towards seniors.
What is Elderly Fraud?
Elder fraud is a scam operation that targets seniors. The scammer may be a family member or friend, or a stranger. The most common way for seniors to be targeted is over the Internet or email through phishing techniques, such as:
- Internet offers or emails advertising discount prescriptions and low-cost health coverage
- Internet offers that advertise financial support through home-equity loans or retirement savings
- Friendships evolving through email communications, phone calls, and social media
Telemarketing Frauds and Common Schemes
An FBI sting in 1980 involving specialized AARP members led to 1200 arrests and hundreds of convictions for fraudulent telemarketers selling water purifiers, vacations, sweepstakes, and environmental packages. Telemarketing fraud is still a large concern for seniors. Other typical elderly fraud schemes include:
Romance: Criminals seek to capitalize on elderly victims who desire to find a companion using dating websites and social media.
Grandparent: Criminals contact an elderly individual claiming to be a child or grandchild and needing immediate financial assistance.
Technical support: Criminals contact the elderly individual and offer to fix nonexistent technical issues to gain access to their devices and obtain sensitive information.
Sweepstakes or lottery scams: Criminals contact the elderly victim and claim they won a lottery or sweepstakes for which they require a fee.
Government impersonation: Criminals pose as government employees and threaten to arrest or prosecute elderly individuals unless they provide payments.
Home repair: Criminals appear in person at the elderly individual’s property to offer home-improvement services that they never provide.
Family or caregivers: Relatives and acquaintances of elderly individuals may seek to take advantage of them to obtain money or property.
TV/radio: Criminals seek to target potential victims using false advertisements for services such as reverse mortgages and credit repair.
COVID-19 Elderly Scams
During the COVID-19 pandemic, elderly fraud substantially grew as elders were separated from their close family and friends to avoid the virus. Some COVID-19 scams involved selling counterfeit products like air filters, vaccines, and testing, as well as contact tracing schemes designed to trick elders out of money and gain pertinent personal information.
Multiple scams continue to target the elderly concerning COVID-19, including Social Security Administration (SSA) scams and charity requests. One study estimated that one in 10 seniors fell victim to elderly fraud in 2018, and this number increased during the pandemic as elders faced:
Similar Concerns
Seniors tend to share similar concerns, including high medication costs, a need for healthcare coverage, dwindling retirement funds and plans to provide for their loved ones. Phishing emails on these specific topics grab personal information.
Isolated or Alone
Seniors are uniformly isolated and spend much of their daily lives alone. In many cases of elderly fraud, if the victim had spoken to a family member or a friend, the scam would not have happened.
Naïve and Trusting
While most individuals over the age of 30 do not have any memories without the Internet, most seniors have lived their lives without using email or the Internet and have misappropriated trust. They are unaware of the complexities behind a seemingly safe email.
Diminished Decision-Making Skills
Most seniors experience some diminished mental capacity, and this affects their decision-making abilities.
Elderly Schemes Based on Personal Info
Some schemes are more targeted and involve emails and phone calls using personal information to target the individual. These targeted attacks use information gleaned through general phishing attacks to draw the individual into a scam.
Elderly fraud has resulted in devastating losses for victims, and the US Consumer Financial Protection Bureau has found that victims suffer an average loss of $34,200 through such scams. The FBI elder fraud department is focused entirely on elderly scams.
Guest Blog: How to Find a Profitable Side Gig as a Senior Caregiver
Working as a senior caregiver is a rewarding career choice. However, many caregivers find that their role doesn’t pay as much as they would like. Whether you want to save for retirement or supplement your earnings to improve your quality of life, a side gig can offer an additional source of income. A side gig can also provide a sense of personal fulfillment that may be lacking from a job that’s often associated with stress and burnout. As a result, you’ll enjoy a welcome change of pace from your day job and achieve a better overall work-life balance. The trick is finding a side gig that not only pays well but is also enjoyable.
Consider Running an Ecommerce Business
Launching an ecommerce business can be a great side gig for senior caregivers. As a caregiver, you might not have the luxury of a consistent work schedule, but you can run an ecommerce business from anywhere at any time. This will make it easier to balance your caregiving responsibilities with your side business.
Take advantage of online tools to get your business up and running as efficiently as possible. By setting up your business on an ecommerce platform, you’ll be able to build website pages, track analytics, manage inventory, and even process payments from one intuitive dashboard.
Offer and Market Online Freelance Services
Freelancing online is another option. There are a variety of services you could sell to clients remotely, from writing and consulting to web design and development. Freelancing will allow you to work in a field where you have expertise and experience, using your skills to earn extra money on the side of your full-time job. Additionally, compared with launching an ecommerce business, freelancing has lower startup costs which can make it more accessible if you don’t have a lot of money to invest in a side gig.
Creating brochures to advertise your freelancing skills is a great way to help generate more clients and can serve as an excellent supplement to your social media marketing, as well. If you aren’t sure how to get started, there are plenty of free templates that you can customize as needed; click here to know more.
You should also look into content marketing to really expand your customer base. By producing more targeted and exciting content, you can build a reputation for professionalism and expertise in your field. That leads to deeper trust with your customers – and of course, greater sales! In today’s extra-competitive market, freelancers in particular need every advantage they can get.
Provide Local Home Services
Not interested in working online? Selling Revolution suggests offering local home services to people in your community. For example, you could work as a cleaner, lawn care professional, handyperson, pet sitter, dog walker, painter, personal cook, personal shopper, or home organizer. Since you have experience caring for seniors, you could also offer in-home childcare or senior care services.
Pick something that aligns with your skills and interests so your side gig feels more like an enjoyable pastime than another job. You don’t necessarily need professional experience in your field of choice. As long as you’re confident in your skills and can produce great results for your clients, you’ll be successful!
Consider Your Legal Obligations
Whether you decide to start an online business, try freelancing, or offer local home services, make sure you cover your legal bases. One of the first things you’ll need to do is register your business. Pick a business structure, such as a sole proprietorship or LLC, and register with your state. Forming an LLC is generally a good idea as it will limit your personal liability and offer tax advantages. Keep in mind that you can use an online formation service to file your articles of organization if you’d rather not spend money on a lawyer.
If you work as a senior caregiver and you’re looking for ways to bring in extra income, try building a side business! You could start an ecommerce business, freelance online, or start a local home services company in your own city. Pay attention to your legal responsibilities and pick a side gig that’s compatible with your skills and interests to give yourself the best shot at success!
What are Macronutrients and why are they important for Health?
The human body needs some foods and ingredients to grow properly. Without those essential products, a person can’t feel healthy and strong.
Macronutrients are one of those ingredients that you need to take in a higher quantity. Due to their high demand by the human body, these are termed as Macro which means large.
Every nutritionist will direct you to maintain the amount of these ingredients for getting better health.
No matter, either you are looking to gain weight or lose weight, you must think about these ingredients first. Without regulating them, you can’t complete any task regarding your health.
Types of Macronutrients
There are three main types of macronutrients that a human being includes in his meal on daily basis.
The main reason why we take these ingredients is that they will fulfill our body’s energy requirements.
A person who takes foods with an appropriate quantity of macronutrients will be healthy for a longer time.
You should keep a view on what kind of macronutrient you should take for proper health.
- Proteins
- Carbohydrates
- Fats
All these macronutrients have a specific number of calories. It purely depends on your body conditions that which of them you should eat and in which quantity.
Let’s have a look at the process with which you can estimate how much nutrients you should include in your daily meal.
How many macronutrients should we eat?
Many people have this question because they want to maintain their health and body growth.
There are two main ways through which you can calculate the required quantity of macronutrients.
First of all, you can contact any expert nutritionist who will examine your health and give you a proper diet plan.
In this process, you may have to visit the person various times to adjust that plan.
Secondly, you can use a macronutrient calculator available on the internet. With this method, you don’t have to do much work but put some values in the given box according to your health.
For example, you may have to write your weight, height, and few other values. The tool will get an idea about your health and give you a perfect plan of diet to follow.
You can make as many plans as you want just by changing the values according to your growth after few weeks.
In this way, you will be able to keep your health on track properly.
What happens if we take unnecessary macronutrients?
As we have mentioned above that macronutrients are essential for human health. Its deficiency or excessiveness will harm the body badly.
In case, you get lower macronutrients, your body will not be able to make enough energy to work. Also, your bones will be affected badly and you often feel pain in your bones and joints.
On the other side, if you take macronutrients in excessive quantity, your body will convert them into useless materials.
Keep in mind that our body makes energy and blood from different ingredients available in our food. The excessive ingredients will be converted into unwanted fats that are not necessary for the body.
In this way, you will start gaining weight that will lead you towards different diseases. So according to the above discussion, it is very necessary to calculate macros of ingredients that you are going to eat. This will help you to balance your diet and maintain your body and energy level.
Final Note
You should keep track of your body’s growth and adjust the macronutrient quantity with time. It will enable you to keep your health on the right path.
Without macronutrients, your body won’t be able to make enough energy to work properly. That is why you should keep checking this factor by calculating its quantity.
Guest Blog: How to Choose the Right Mattress for Seniors
When you’re a caregiver for a senior citizen, you know how critical it is to find chairs, beds, and couches that are comfortable for your patients. Choosing the right mattress is especially crucial for the elderly. People in the 65+ age range often suffer from chronic pain related to sore, tender muscles, arthritis, and old injuries that have worsened as the years have passed.
A poor mattress can make even a teenager wake up feeling sore and tired, but for seniors, the effects of a poor mattress can cause debilitating pain and worsen inflammation. Senior citizens need a supportive mattress that cradles sensitive areas that are prone to soreness and stiffness, such as the hips, neck, shoulders, and the lower back. It’s also a good idea to choose a mattress with a comfortable top that cushions the heels and elbows, which will lessen inflammation and irritation.
There are tons of different mattress materials, thicknesses, and designs to choose from, but how do you know which one is going to give your senior patients a comfortable night’s rest? Below, we’ve broken down the different types of mattresses and how they can help seniors sleep well and wake up free from discomfort and pain.
What types of mattresses are the most comfortable for seniors?
When searching for a good mattress for an older individual, manufacturers won’t advertise that it’s the best for senior citizens. What you’ll need to do is look for certain traits and design features that will most likely work for an elderly sleeper.
Typically, seniors need a bed that will retain minimal body heat and will sleep cool. Beds that minimize and isolate movement or motion transfer, and are quiet are usually the best choices for seniors, too. You’ll also want to purchase a bed that is supportive and won’t sag or compress too much. Mattresses that are too soft don’t support spinal alignment and can cause someone to wake up in the morning with a sore back and hips.
Most importantly, a mattress for senior citizens needs to support arthritic joints. As people age, the cartilage that naturally cushions and supports the joints wears away, so seniors need a little more support from their beds than a younger individual.
Gel Memory Foam Mattress
Gel memory foam mattresses are some of the most popular choices for seniors. Gel memory foam is denser and more supportive than traditional memory foam, offering a slightly firmer bed that does an excellent job of supporting the joints and the spine. In mattress lingo, gel memory foam is also referred to as Tempur foam. Gel memory foam mattresses are also cooler than a regular memory foam mattress. Loom and Leaf is one of the more popular gel memory foam mattresses this year.
Memory Foam Mattresses
Memory foam is a mattress favorite, and it’s been around for decades. First used by NASA, memory foam is a high-quality material that offers superior comfort and cushioning. While memory foams aren’t typically as supportive as a gel memory foam mattress, some models are firmer than others.
Memory foam mattresses cradle and cushion the body, so elbows and heels aren’t resting on a surface that can cause skin irritation. Seniors who are side sleepers can most benefit from a traditional memory foam mattress. Memory foam cradles the shoulder joint and allows it to rest comfortably while keeping the shoulder disk in proper alignment.
However, if a person has never slept on a memory foam mattress, the new bed may take some getting used to. Memory foam beds have a particular and distinct feel to them. Also, be sure to check the bed’s cool rating. Memory foam beds tend to run hot. Nectar memory foam beds are some of the highest rated bed-in-a-box mattresses.
All-natural Latex Foam
A natural, latex foam mattress is an excellent alternative to memory foam mattresses for older sleepers. Latex is a springier material than either gel or memory foam. Latex doesn’t cradle the body, so for sleepers who switch positions a lot, a latex mattress can be ideal. However, all natural latex mattresses are sometimes too soft for people with severe arthritis. A high-quality all natural latex foam mattress for seniors is the Santa Cruz Natural Mattress.
What about innerspring mattresses?
Innerspring mattresses don’t always offer enough consistent support for seniors who need cushioning for aching joints. But adding a pillowtop to an otherwise decent innerspring mattress can offer enough softness and support for senior citizens. Boxtop and pillowtop mattresses are suitable for sleepers who are light or medium weight. But these mattresses won’t provide enough support or last very long for heavier sleepers.
Can you choose a mattress that uses different types of materials?
It’s possible to find a mattress that uses different technologies. For example, manufacturers who specialize in innerspring mattresses often have products that use a top layer of natural latex foam, or memory foam for added support and comfort. If you’re worried that your senior patients won’t be able to get used to a full memory foam mattress, an innerspring memory-foam hybrid can be a good compromise.
As always, it’s essential to thoroughly research different mattress types, product ratings, and what’s going to work best for an individual patient.