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  • Recognizing Signs of Dementia

    Posted Jun 9th, 2010 By admin in Blog With | No Comments

    Recognizing Symptoms of Dementia

    The Brown family reunion has always been an event everyone looks forward to. Family visits, games, stories and everyone’s favorite foods are always on the agenda. On the top of the menu is Grandmas Lemon Coconut Cake. Grandma always makes the traditional cake from her old family recipe. This year, however, the cake tasted a little on the salty side, perhaps a half cup full of salty.

    Though the family was disappointed over the cake, of more concern was Grandma’s confusion with the recipe and her similar confusion about the loved ones around her. Could something be wrong with grandma's mental state?

    One might say that for an elder person a little forgetfulness or confusion is normal, but when do you know if there is a serious problem, such as dementia?

    An online article from FamilyDoctor.org outlines some common symptoms in recognizing dementia.

    "Dementia causes many problems for the person who has it and for the person's family. Many of the problems are caused by memory loss. Some common symptoms of dementia are listed below. Not everyone who has dementia will experience all of these symptoms.

    • Recent memory loss. All of us forget things for a while and then remember them later. People who have dementia often forget things, but they never remember them. They might ask you the same question over and over, each time forgetting that you've already given them the answer. They won't even remember that they already asked the question.
    • Difficulty performing familiar tasks. People who have dementia might cook a meal but forget to serve it. They might even forget that they cooked it.
      Problems with language. People who have dementia may forget simple words or use the wrong words. This makes it hard to understand what they want.
    • Time and place disorientation. People who have dementia may get lost on their own street. They may forget how they got to a certain place and how to get back home.
      Poor judgment. Even a person who doesn't have dementia might get distracted. But people who have dementia can forget simple things, like forgetting to put on a coat before going out in cold weather.
    • Problems with abstract thinking. Anybody might have trouble balancing a checkbook, but people who have dementia may forget what the numbers are and what has to be done with them.
    • Misplacing things. People who have dementia may put things in the wrong places. They might put an iron in the freezer or a wristwatch in the sugar bowl. Then they can't find these things later.
    • Changes in mood. Everyone is moody at times, but people who have dementia may have fast mood swings, going from calm to tears to anger in a few minutes.
      Personality changes. People who have dementia may have drastic changes in personality. They might become irritable, suspicious or fearful.
    • Loss of initiative. People who have dementia may become passive. They might not want to go places or see other people."

    Dementia is caused by change or destruction of brain cells. Often this change is a result of small strokes or blockage of blood cells, severe hypothyroidism or Alzheimer’s disease. There is a continuous decline in ability to perform normal daily activities. Personal care including dressing, bathing, preparing meals and even eating a meal eventually becomes impossible.

    What can family members do if they suspect dementia? An appointment with the doctor or geriatric clinic is the first step to take. Depending on the cause and severity of the problem there are some medications that may help slow the process. Your doctor may recommend a care facility that specializes in dementia and Alzheimer’s. These facilities offer a variety of care options from day care with stimulating activities to part or full-time live-in options. Sometimes if patients tend to wander off, a locked facility is needed.

    In the beginning family members find part time caregivers for their loved one. At first, loved ones need only a little help with remembering to do daily activities or prepare meals. As dementia progresses, caregiving demands often progress to 24 hour care. Night and day become confused and normal routines of sleeping, eating and functioning become more difficult for the patient. The demented person feels frustrated and may lash out in anger or fear. It is not uncommon for a child or spouse giving the care to quickly become overwhelmed and discouraged.

    Family gatherings provide an excellent opportunity to discuss caregiving plans and whole family support. It is most helpful if everyone in the family is united in supporting a family caregiver in some meaningful way.

    "The first step to holding a family meeting, and perhaps the most difficult one, is to get all interested persons together in one place at one time. If it's a family gathering, perhaps a birthday, an anniversary or another special event could be used as a way to get all to meet. Or maybe even a special dinner might be an incentive.

    The end of the meeting should consist of asking everyone present to make his or her commitment to support the plan. This might just simply be moral support and agreement to abide by the provisions or it is hoped that those attending will volunteer to do something constructive. This might mean commitments to providing care, transportation, financial support, making legal arrangements or some other tangible support." The Four Steps of Long Term Care Planning

    Professional home care services are an option to help families in the home. These providers are trained and skilled to help with dementia patients. Don’t forget care facilities as well. It may be the best loving care a family member can give is to place their loved one in a facility where that person is safely monitored and cared for.

    The National Care Planning Council supports caregiving services throughout the country.
    www.longtermcarelink.net

  • Planning for your Getaways

    Posted Jun 2nd, 2010 By admin in Blog With | No Comments

    Brian Mandel's
    "Straight Talk" Personal Strategy

    Avoiding A Vacation Nightmare–A Planner's Take
    When planning your fun-filled itinerary, the last thing you want to do is worry about any financial loss that might occur as a result of a missed flight, an injury or illness, lost baggage, or any other unforeseen incident. To "insure" [;)] your peace of mind while away from home, many companies provide several different types of traveler's protection plans to help ease the burden.
    Without insurance, a traveler can lose nonrefundable deposits and prepayments that can add up to hundreds, or even thousands, of dollars. A good, comprehensive travel insurance plan will often reimburse a traveler for all pre-paid, nonrefundable expenses for a covered loss.

    Here are some general types of coverage you may want to consider before heading out for this summer's vacation:

    Travel Arrangement Protection –
    This covers you in case of trip cancellation, interruption, or travel delays (these can include inclement weather, lost or stolen passports, quarantine, hijacking or natural disaster).

    Medical Protection – Despite having health insurance at home, the moment you set foot on foreign soil or even set sail on a cruise, many health plans are considered null and void, so be sure you get travel medical protection to cover emergency medical expenses, such as illness and accident expenses, and emergency medical transportation to the nearest medical facility.  Sometimes the Travel Arrangement Protection plan (see above) covers medical care abroad also.

    Baggage Protection – Not only do you want coverage for lost, stolen or damaged baggage, but many plans offer reimbursement for the purchase of essential items if baggage is delayed.

    Worldwide Emergency Assistance - If traveling outside of the country, make sure you purchase a policy that covers international emergencies. This can include emergency cash transfer assistance, legal assistance, and lost travel documents assistance.

    The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is 5-7 percent of the trip cost. Like most every other type of insurance, be it automobile, medical, or homeowner's, you hope you never need to use it. But it can be a relief to have it when you do need it.

    The bottom line is: Before embarking on your next trip, do your homework! Talk to your insurance agent – or call me for a recommendation – and learn more about all the different insurance options available to you, so you can make the best choice for your peace of mind!

  • “Big Picture” Thinking for Mature Marriages

    Posted May 24th, 2010 By admin in Blog With | No Comments

    Brian Mandel's
    "Straight Talk" Personal Strategy

    Big Picture Thinking For Mature Marriages

    You've probably heard this, as I have: The second half of marriage can either be the best time of life … or it's the time when a marriage breaks up. The transition can catch unsuspecting couples off guard.

    What are the areas that cause the greatest stress in your marriage?  In every decade of life, the number one answer is usually "finances." Budgeting, retirement planning, and other money issues can easily ruin what might otherwise be a time of remembering why you got married in the first place.

    Times of transition are particularly hard on marriages. As the work of raising a family wanes, couples often look to each other for help in redefining their calling in life. Mothers who have devoted years to caring for children may want to fulfill one of the dreams they postponed decades ago. They may want to go back to school, take on a new career, or be more involved in charitable causes. Husbands, on the other hand, may find they are ready to scale back their careers.

    While having a close friendship and spiritual commitment are the most important ingredients of a fulfilling relationship, financial troubles are usually the primary point of contention.

    If you and your spouse are approaching this season of transition, take this opportunity to check-up on your retirement money, your marriage, and your mission.

    First, get your retirement plan together. A retirement plan, like a spending plan, helps a couple limit their disagreements to only those issues outside the plan.

    For most couples, expenses drop significantly after their children finish college. Although saving in the early years of marriage is ideal, when the kids are finally off on their own, couples get one last chance to save for retirement.

    These years before retirement are critical in determining whether you have sufficient assets to retire. As your financial planner may tell you, by the first day of retirement, you should plan on having about 23 times your annual income.

    Next, reestablish opportunities for communication with your spouse! The period just before the children leave home is often the most difficult on the marriage relationship. After a quarter century, the communication focus of most couples is their children. So create new ways to communicate–outside of the lives of your children.

    By the way, know that it's not your fault. The natural course of relationships is to drift apart. So, don't be down on yourself if you and your spouse are 'working' on your marriage. The fact is, if you aren't working on your marriage, it is probably headed in the wrong direction.

    Finally, find your mission for this new phase of your life. It's real easy when you are young to think you have all the time in the world for the good things in life. First your job, then the kids (rightfully) occupied much of your time. But, as these responsibilities begin to ease, take another look at the bigger life questions which are so important, even if they aren't immediately urgent.

    There's a good book you can check out, The Seven Stages of Money Maturity by George Kinder, and in it are three questions to help people see what is really driving them. Perhaps you should take the time to write out some answers honestly and thoughtfully, and then share your thoughts with your spouse:

    1. If you knew you would have all the money that you needed, now and in the future, from this moment forward, how would you live your life?

    2. If the doctor told you that you would die suddenly and without symptoms in five to ten years, how would you change your life for the time that remains?

    3. If the doctor told you that you would be dead within twenty-four hours, what feelings, regrets, longings, and unfulfilled dreams would haunt you?

    Let's be honest: Sometimes the vague answers that we live by are not ultimately satisfying. Reevaluating our purpose can give renewed meaning to our lives and relationships, especially in a season of change.

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