Read and Think for Yourself!

Commentary No Comments »

Increasingly, I’ve encountered people who get a significant portion of their information from e-mail campaigns, talk radio, the talking heads on MSNBC and Fox, or the like, and who allow the information from these sources to shape their opinions and attitudes.  I would encourage everyone to learn to be an independent thinker!  The internet provides a wealth of information from many sources.  Be truly informed - Learn to read and think for yourself!

Social Security Administration Reports a Surge in Early Retirement Claims

In the News No Comments »

The Social Security Administration is reporting a surge in early retirement claims this year.  Applications are up 25 percent so far this year compared to fiscal year 2008.

Recovery Act funding to help provide meals to low-income seniors

Health and Fitness, In the News No Comments »

Vice President Joe Biden announced this week that approximatley $100 million will be handed out by the Department of Health and Human Services to provide meals to thousands of low-income senior citizens.  The funding is expected to provide nearly 14 million meals nationwide. 

The federal stimulus program provides $65 million for nutrition services provided at senior centers and other community sites, $32 million for nutrition services delivered to seniors at home, and $3 million for Native American nutrition programs.

Acai berry products - Claims questioned + Excessive charges

Frauds and Scams, Health and Fitness, In the News, Miscellaneous, Money, Retirement, and Financial Issues No Comments »

Recent reports indicate that claims that Acai berry products help with weight loss, strengthen your heart, slow aging, and aid in colon cleansing, as well as enhance sexual desire, are not backed by science.  Additionally,  thousands of consumers are now complaining that the “free trial” offers for these products are anything but free.  For example, consumers are told that a trial offer is free and that they will be charged $5.00 for shipping.  Instead they find that they have been charged significantly more - one consumer complained that he never received a free bottle.  Instead, his bank account was hit for four bottles of the Acai berry product, at $69.95 per bottle.  

It is important to exercise extreme caution when one is tempted to give out debit card, credit card, or bank account information for any reason, including televsion and internet offers.

Apply for Social Security Benefits Online

Money, Retirement, and Financial Issues No Comments »

The Social Security Administration announced that people who reach retirement age, as early as age 62, can visit the agency’s web site and submit a benefits application.

Visit http://www.socialsecurity.gov/ to apply online.

Baby Boomers — Consumers of Online Social Content

In the News, Technology - Computers, Software, and Electronics No Comments »

The largest generational segment tracked by Forrester Research Inc., the 100 million-strong Baby Boomer group, is more inclined to consume than create online social content, according to InternetRetailer.com.  Reportedly, Baby Boomers are more likely to read blogs, listen to podcasts, watch user-generated video, or read online forums and customer ratings, according to the report, “How to reach Baby Boomers with social technologies,” by Forrester analyst Jeremiah Owyang.  Only 24% of Boomers aged 43 - 52 and 14% of Boomers aged 53 - 63 are active in online social communities targeting their interests.

To reach Baby Boomers, this suggests that one start with sponsoring or creating social content since they’re not as willing to create blogs, videos, or audio, and also suggests allowing Boomers to share their opinions with others by enabling comments, ratings, and rankings on web sites.

Possible Link Between Personality and the Incidence of Alzheimer’s Disease

Health and Fitness No Comments »

According to Health Daily News, new research exploring the link between personality and the incidence of Alzheimer’s disease suggests that sociable people who don’t sweat the small stuff may be more likely to remember the small stuff as they age.  The study, published in the Jan. 20 issue of Neurology, adds to a growing body of evidence suggesting a link between personality traits, lifestyle and Alzheimer’s disease. “Older people who are active, outgoing and relaxed may be less likely to develop dementia,” said study author Hui-Xin Wang, with the Karolinska Institute in Stockholm, Sweden. 

To measure their sociability and disposition to stress, researchers reportedly questioned 506 older individuals about their lifestyle and personality traits.  After six years, 144 people had developed some form of dementia; however, researchers discovered that calm, more relaxed people, whether they had active social lives or not, were 50 percent less likely to develop dementia than those who had higher levels of neuroticism.  People who were both calm and outgoing, with active social lives, were also 50 percent less likely to develop dementia.  The study found that less neurotic people were more calm and self-satisfied than their more neurotic counterparts, while outgoing people tended to be more socially active and optimistic than less extroverted people.

At present, according to the National Institute on Aging, Alzheimer’s disease currently affects 2.4 to 4.5 million Americans.  Unless the disease can be effectively treated or prevented, that number will increase significantly as the population ages .

Did You Take Your Social Security Benefits Early? Maybe You Should Reapply

Money, Retirement, and Financial Issues No Comments »

If  you began receiving your Social Security benefits early, it may be to your advantage to withdraw from Social Security and reapply for higher benefits. For an explanation of this option, visit http://www.ssa.gov/OP_Home/handbook/handbook.15/handbook-1515.html.  Before exercising this option, please be sure to have an in depth discussion with a financial planner and your local Social Security office.

Articles of interest - Turning 62: Have your retirement cake and eat it, too
Trade In Your Social Security Check
Reapplying for Social Security may be a good idea

Senior Citizens’ Resources

Caregiving and Long Term Care, Education, Health and Fitness, Money, Retirement, and Financial Issues No Comments »

Be sure to check out http://www.usa.gov/Topics/Seniors.shtml, which is the site with official information and services from the U.S. government.

Be Aware - There Is a Car Scam Targeting Senior Citizens

Frauds and Scams No Comments »

Recently I have heard of a car scam that is targeting senior citizens.  Routinely a man will flag down the person, tell him (or her) that there is something wrong with his car, and then offer to fix it for a cash fee.  The scam has taken different directions from there.  In several cases, the scammer’s accomplice gave the victim a ride to get money for the payment, and when they returned to the car, the scammer said the work was done, and the two disappeared.  Obviously, no work was done.  In another case, the victim was taken home to get money, and both money and jewelry were stolen.