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Why Elderly Parents Get Scammed – Episode 164

Kathe and Ted Carr talk about why elderly parents get scammedTed Carr will be my co-host for this podcast, the last time he was here, he gave us a great insight on the 6 Stages of Retirement.

In this episode of our show, we will talk about why elderly parents are getting scammed. We have an aging population and it's usually common for them to be targets of scams.

Scammers target the elderly, as they are willing to listen, may be lonely, and are more trusting than younger individuals.

Scamming is a Problem

Scamming is considered the crime of the 21st century. It's hard for us to know which is legit or not. Scams target people of all backgrounds, ages and income levels across continents.

All of us may be victimized at some point in time. There's no one group of people who are more likely to be scammed.

Why Are Elderly Parents Being Scammed

Seniors are being scammed because they have a significant amount of money sitting in their accounts. They also are difficult to prosecute and often go unreported especially when there are no relatives around, so they are not considered high-risk crimes. However, they’re disastrous to many older adults and can leave them in a very risky position with little time to recoup their losses.

These Fraudsters Come in Different Forms

Nowadays, getting scammed doesn't just happen on phone calls, they are also presently using Facebook when it comes to scamming people. My mom was victimized by a fraudster. Even my husband Les, gets phone calls from scammers every day.

Scammers even use throw away phone numbers or spoof the number. I get calls where it looks like they're calling from in town but actually, they're not. So, if you see something suspicious just hang up or let it roll to voicemail.

Lottery, Passion, and Personality

Lottery scams are one that many are familiar with, and it capitalizes on the notion that “there’s no such thing as a free lunch.”

Also, many elderly always fall for scammers of passion. There was this article from the New York Times about an 84-year-old man marrying a 38-year-old woman which ended up with her scamming him of millions.

And if you are a type A personality makes you susceptible to these scammers, coupled with a loss of house, retirement or change in housing makes you more vulnerable.

Scammed? It's a JobWhy Elderly People Get Scammed

Scammers don't care on who they are scamming, they tend to be cold-hearted calculating individuals.

There are documentaries that show that they make scamming somewhat of a job.

They go to work, work for 8 hours, and are given a list on who to scam. It's like a call center for scammers.

Protect Yourself

One of the best ways to protect your loved ones against fraud is to talk to them openly about some of the most popular scams, so they’re aware of what’s out there.

Sometimes you become the villain when rationalizing but try reasoning out to them and explain that what those scammers are saying is not real.

Below are also some measures you can do to prevent someone from scamming you love ones:

  • Set up daily contact with your loved ones when you can check them every day.
  • Streamline social media that they have.
  • Ensure that the fraud detection technologies are enabled.
  • Shred important documents.
  • Contact marketing associates to opt-out.
  • Check their credit reports.

But when you are in the crisis. Try these methods:

  • Try to change their phone number.
  • Contact the police if they know where you live. Get the police involve.
  • Talk to an elder law attorney. Set out a trust.
  • Figure out how to replace what the scammer is providing.
  • Go to AARP Fraud Fighter Call Center

In conclusion, don’t be afraid or embarrassed to talk about it with someone you trust. You are not alone, and there are people who can help.

Stay driven, help your parents protect their assets and ensure their retirement years truly are golden.

This podcast episode covers most of the scams that target seniors, but it always helps to be aware of anyone and anything trying to get money or personal information out of you. Be safe and aware.

The website mentioned in this episode: AARP Fraud Fighter Call Center

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

Woodworking: A Great Retirement Hobby

Woodworking for Retirement

Woodworking: A Great Retirement Hobby

By Robert Johnson

Do you feel like using your hands to create something useful and beautiful out of nothing? Is your mind itching for a challenge? Are you in need of a new hobby? Well, woodworking might just be for you!

Now, learning a new skill might not be a top priority once you reach retirement, but it does have nifty benefits especially when it concerns your health. You see, a hobby is not just there so that you have a thing to keep you preoccupied. If it is as good as woodworking, it covers more than just the pleasure you derive from the activity—there would also be positive effects in other aspects of your life.

Let’s take it one benefit at a time:

Woodworking will keep you social

Woodworking classes at your community would, at least. While the current technology affords one to use even just your mobile phone, search for courses through apps and learn at your own pace, for some, nothing quite beats being in an actual classroom. It’s better to use your phone to search for nearby organizations that offer woodworking classes!

For those who have fewer opportunities for interaction with other people, this is a good way to widen one’s social circle. Besides beginning the same hobby, friendships could be established by exploring other interests and experiences, and working together on a common goal, say, a community project. And that is a good thing for the mind: being social delays memory problems and cognitive illnesses.

And who knows, if your skills are up to par, your creations can make for great gifts to family and friends!

But if you’re not a beginner…

Volunteering for workshops can be great for your mental state

Not every senior who will be interested in the hobby will be a beginner. When you feel that the classes are not up to your level, you can offer to share your knowledge instead. Facilities can always use a little help from volunteers. Practicing something you are good at regularly contributes to happiness and satisfaction. Plus, it is always good for your self-esteem to feel that you are making a difference even in a very personal way.

It’s great maintenance for both the body and the mind

Woodworking takes some physical exertion (and can come with some risk, which is why it is ideal for seniors to do it with other students), but it is worth the effort. The activity can be considered a low-impact exercise, so it does not have to be hard on the body. You can even be seated while working on your craft and you would still end up reaping some of the health benefits! That’s really something now, isn’t it?

But it’s not only the physique that becomes fit. The mind, too, can be in tip-top shape through woodworking. The aging brain has been associated with weak memory and general cognitive decline, but hobbies like woodworking can keep you sharp by always engaging it. Creating furniture, especially for the first time, can be challenging to the mind, and design can force one to be creative. This, and preventing dementia are proven by studies, the most recent of which perhaps is a Mayo Clinic research that found that the crafts decrease mild cognitive impairment by at least 45%.

So, there you have it, we have covered the basics of what could possibly draw you in with woodworking. Keeping an active social life, gaining satisfaction from the opportunity to share knowledge and help, and maintaining a fit body and mind are good enough reasons to reach out to your nearest center. In the end, you might actually go because of the potential for it to be a truly enjoyable experience. Don’t worry about the tools—you’ll learn everything you need there.

55 Plus Community Search: Mixed Feelings

Kathe and Les talk about their mixed feelings toward their 55 plus community searchThis is the last part of our continuing saga of moving to a 55 and older community. During episode 3 of our podcast, we talked about our newfound community. My husband Les and I finally bought a new house and are moving into it. But as excited as we are about moving to a new house, there are also some things that stress us about moving. That gives us mixed feelings about it.

That is why in this episode, we discussed having those mixed feelings towards moving to a new community. Are we really going to move in or are we having second thoughts about it?

Not Looking Forward?

Moving is one of the top stressors that a person can experience in a lifetime. While moving is so stressful, it can be exciting too. As a result of those stresses, we for one are not looking forward to moving to a new place/community. We became attached to San Diego because it's not just a place, it is already part of us.

Mixed Feelings

It is going to be a culture shock for us to move to South Carolina from San Diego. San Diego is a pretty nice place and our friends are here. Yes, our family is near the new community that we are moving in but we don't need to see them very often, 2 weeks in a year is good enough.

It is a lifestyle change for us, moving to a new place that is. We have been having a lot of nervousness and kept thinking about what have done because it's just scary.

Risking the Business

Another thing that we are concerned about when moving is our business. I get a lot of referrals from business associates, people that are in the senior community. So I don't know if those referrals are going to slow down now that I'm not in San Diego.

Even though the majority of my business is done over the phone. And although I give an option to people of meeting with me in person or meeting with me over the phone, 90-95% of the people would rather just take care of it over the phone. And of course, the different time zones would be an issue too.

Adapting to a New Environment

A friend of mine was trying to talk me out of moving because he was saying that I should be concerned about the healthcare situation. And if I get sick enough it would be a 2-hour drive to get to a hospital like Charleston. There are hospitals nearby but that's just for normal checkups.

However, I'm looking forward to being able to go to the art center and paint, or go and make pottery but it is scary because we don't know anybody besides our family. We are having second thoughts, but it's kind of like wedding jitters.

Packing and Unpacking

The main thing that worries us is the move itself. The whole process is so overwhelming giving us that mixed feeling. Before we weren't moving much stuff as we are moving now. And also now we are moving across the country. We have to pack the boxes better than what we did before. We could get somebody else to do the packing but we'll lose control on what goes where. You don't know where your things will wound up inside those boxes.

Les is an Engineer, and when we move 10 years ago to where we live now. He kept a list of every single item that was in the box and numbered it. And then put that list on a spreadsheet. Those boxes (about 20) are still in our garage that's not completely unpacked yet.

And another thing is that we are moving to a house that has less square footage and therefore having less storage. So that becomes an issue too on what will we take or what don't we take. But we know somebody who specializes in downsizing, she was one of the first people on the show. They also help get rid of stuff. We don't know yet how to get rid of our stuff.

This is It

To all the listeners, we feel for you, when you retire, when you move. These things are all really exciting but they are also stressful. That is why we have mixed feelings about moving. But we are not changing our minds. Del Webbs has a built-in community and that's what is great about it.

Any change is stressful, changing jobs, retiring, that is why this podcast was started. If you have any advice for us. Head over the show notes and leave a comment. Let us know what we should be doing and how to alleviate our stress.

The website mentioned in this episode: https://www.delwebb.com

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

 

55 Plus Community Search: We Are Home

Kathe and Les talk about their newfound 55 plus community We Are HomeThis is part 3 of our 4 part podcast series. On the last episode, we talked about what happened during our community tour. So in this episode, My husband Les and I will continue talking about our quest for finding the perfect 55 and older community.

Furthermore, we will finally reveal our decision on what community we chose to live in! What do we like about it, and why did we choose that community?

Finally, We Are Home

After the long search for a proper 55 plus community, we finally found our home and it is in a Del Webb community. There are instances that it is scary when moving to a new community because it simply is “New” to you but nonetheless, it is pretty exciting as well as you will see what new opportunities and activities await.

Why Were We Drawn to This Community/Home

For us, there are a lot of reasons why we chose to live in a Del Webb community but the main reason why we were so drawn into it is that of the activities. Being in a 55 and older community you need to have activities so as to uplift you and make your everyday stay as fun as possible and this community has a lot of activities to choose from.

The other thing about this community is that it's a nice looking community. It is well maintained with beautiful landscaping and the surrounding area was nice and just as we've talked on our first episode, our family is close to us. Most importantly, Del Webb knows what they are doing. That is why it's safe to say, “We Are Home.”

It is quite different from living in California. It's definitely not as clustered. When you drive down the road in South Carolina, all you see are trees!

About Our New Home

We wound up buying a new home which we bought from somebody else (not from the builder). What's good about this is that you don't need to spend much time, energy and money to furnish your new home. It can be easier and faster for you to relocate quickly and can save you money, sometimes thousands of dollars. This house that we bought doesn't really need anything more.

We did downsize on our new home, we're going from a 3500 square foot house to 2400. Eventually, this will help us to intentionally pare down our belongings. Also, we will have open areas that will be great for entertaining. In other words, it's just happier to downsize-rather than the other way around.

The New Place (Likes and Dislikes)

Likes:

  • First, we like the area.
  • Secondly, the house itself.
  • Del Webb community.
  • Everyone has been very friendly.
  • Cheaper gas price.
  • And not everything is retirement.

Dislikes:

  • Similar houses and relatively close together. But you can do something to make your house noticeable.
  • Not health conscious. That is why when you're in a restaurant you should always ask what's in the menu.
  • Culture change
  • The words used are different and there are towns and areas with different pronunciations. For instance, they use plantation instead of a community. But we can cope up with it.

Although we will miss our 99 Cents Only store, El Pollo Loco, Jack in the Box, and Costco (which is about 2 hours away), we are moving into the Del Webb community most importantly because of the retirement lifestyle. We could have bought a cheaper home in this area, but it's not just the house we are looking for. We are looking for the lifestyle of being in a 55 and older community.

After a long community search, this certainly will be our new home. And if you have ever moved to a 55 plus community and have tips for us we would love it if you head to our show notes and leave a comment or go into the Facebook group: RockYourRetirement.com/community and give us some tips.

Websites mentioned in this episode:

https://www.delwebb.com

LesHasCancer.com

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

55 Plus Community Search: The Community Tour

Kathe and Les talk about their 55 Plus community tour

This is part 2 of our continued community search for the 55 plus and better. In our last episode, we discussed things to compare when looking for a community to live in. In this episode, my husband Les and I are on location and just finishing up our 3-day stay at a Del Webb in South Carolina. We will be discussing our stay, our community tour, the house that we stayed at, and our likes and dislikes.

We will also talk about the community, and how a 55 plus community can help you do more of what you love.

Explore Del Webb

Usually, Del Webb communities offer day and night passes. During your stay, their friendly ambassadors will do a community tour and will guide you through pieces of information about the community. Our community tour took us 4 hours but it was very helpful. During the stay, you can meet residents, do the community tour, explore the houses and clubhouses, the amenities, and enjoy everything you need inside a Del Webb community.

The Two Sections in the Community Tour

Del Webb has been around for a long time and usually, communities have two sections which comprise a newer and an older section. The older section of any community will have mature trees, mature landscaping and of course more mature people.

Most ambassadors have been occupying the newer section because they have formed a group of friends from the ones who bought new too. We also had the same experience when we moved to the community where we lived now. Everybody moved in together, we all wanted to meet each other, we had parties together and the neighborhood sort of formed a click. But the downside is when the time comes that the people who moved in together started leaving that's the time when the click just broke apart.

The Del Webb Community

The 4-hour community tour was divided into 2 parts. The tour of the community itself was in the first 2 hours. The Del Webb community has a ton of features including 3 clubhouses, 3 outdoor pools, 2 indoor pools, a baseball field, and a tennis court. There are also sections for the art room, pottery room, and photography, more than 1 golf course, and a community garden! The last 2 hours of the coummunity tour was mostly just dinner.

The Actual House

The house that we lived in was very nice although it is not the house that we actually considered. It's a brand new house with an open floor plan, although they do lock off the second bedroom. It's nicely decorated, comfortable with a nice internet.

There's just a couple of things that I disliked. The master bedroom shower is so open that it is cold and the rain shower is not good. Also, I wasn't a big fan of the self-closing doors. It feels like there is pressure when you open it and it's almost like pulling against you.

The Community Itself (Likes and Dislikes)

Likes:

  • Open floor plans
  • Most of the bedrooms have a separation between master and guest bedrooms giving you more privacy when having guests.
  • It's beautifully landscaped and just looks good when you come in.

Dislikes:

  • Cookie-cutter nature, everything looks alike. You'll get lost because one street looks like the other street,
  • The house in the newer section are close together, they are just 10 feet apart.
  • Their lagoons have alligators.
  • And there are snakes too!
The Clubs

Adult communities are renowned for having a vibrant and social atmosphere where residents can come together and share similar interests.

What's great about active adult communities, is that they cater to the demands of boomers by providing clubs designed around their lifestyle. This community has over 50 clubs for you to stay, as active as you like.

And that's what we've learned about Sun City. A 55 plus community is not just a place you can call home but a place you can find the true essence of the active adult lifestyle. Catch our next episode for the reveal of what will our decision be!

The website mentioned in this episode: https://www.delwebb.com/

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com