Preventing financial elder abuse: Episode 103

Laura Barish talks about Preventing financial elder abuseLaura Barish came on the show to talk with us about preventing financial elder abuse.

Laura is President and CEO of AltaGolden. She has a passion for working with older adults and loves her job.  Laura is responsible for marketing, community outreach, corporate management, and she also sometimes works as a caregiver so that she understands what it takes to be a great caregiver. Laura is on the clinical affairs committee for the San Diego Dementia Consortium.

In our discussion, Laura and I talk about some of the scams that are out there including:

  • Email invoked abuse and Microsoft Outlook worms
  • Western Union Fraud:  Someone calls and says, “Your grandson was taken to jail in Mexico. We need you to wire money for attorneys fees”. The scammers like to play on heartstrings.
  • IRS Scam is where someone will call telling you that you are in default on your taxes. The IRS will never call or email anyone. They will only send a letter.
  • YES Scam is when someone will call and pretend to have a bad connection saying “can you hear me now?” Their objective is to get you to say “YES” so they have your voice on recording and they can use your recorded voice to purchase things.

Anyone can order a mailing list. There is a lot of demographic information in these mailing lists. This includes; address information, age groups, and even reported income levels. Sometimes the phone scammers are not just randomly dialing people. They are targeting you for a specific reason.

We also talked about the recent Microsoft scams. This is where your computer gets locked up or you get a pop up on your screen indicating your drivers are not up to date. Scammers essentially hold your computer ransom until you pay money to get it unlocked.

Steps for preventing financial elder abuse

Don't go to websites you don't know

Don't open an attachment or links in an email from anyone you don't know.

If a scammer calls you, the easiest and safest thing is to hang up.

Educate your loved ones about the Scams that are out there so they are aware of them and they know what to look out for.

Make sure your computer virus software us up to date at all times

If you have a private caregiver, make sure they are aware of these scams as well. Laura also tells us that if you use a private caregiver don't give them the “keys to the kingdom”. Make sure you have systems in place to ensure the caregiver cannot take advantage of your loved one

If you have questions, ask! It is not a sign of weakness to ask for help or guidance.

Contact information for Laura: Phone: 858-779-9254 or website: www.altagolden.com

As I mentioned in our interview, the Red Podcast has a few episodes about IRS Scams. Here is a link to one of them This Is What An IRS Scam Phone Call Sounds Like 

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

When you exercise too much: Episode 099

Colette Kent on when you exercise too much Yes, you can exercise too much!

Colette, a native of Ireland, moved to the US in her early 20’s and worked in finance for over a decade. She then discovered her passion for health and fitness and pursued a full-time career in this field. Moving to Nice, France in 2008 she opened a fitness and yoga studio. Colette was an avid competitor taking part in many sporting events including triathlons, marathons, and bike races. However, even with all her efforts, her health was not in a good place. Colette discovered she was training and exercising too much. She wasn't listening to the subtle signals her body was giving her.

In 2014, Colette took some time out to cleanse and reset her body. She underwent a 21-day cellular cleanse program in Bali with an Ayurvedic doctor and this is what changed her life personally and professionally. After the cleanse, she stayed in Bali and worked with the Ayurvedic Doctor and completed her studies to become an Ayurveda Wellness Counselor.

So obviously, my question was how on earth do you pronounce this and what is it?!

Ayur which translates to Life and Veda which translates to science so it is the Science of Life. It is all about a holistic approach to healing. It teaches people how to understand their own mind-body type and your own true nature. Colette brought up a good point too. Living in our modern world, we have all kind of gotten away from nature. Becuase of modern conveniences, we are all less in tune with mother nature.

Ayurveda teaches that everything in the natural world is made up of the five elements of nature which are: space, air, fire, water, and earth. These five elements form what are called three “doshas” or mind-body types.

What's Your Dosha?

VATA-Elements of space and air. Vata is all about movement and action like the wind. A Vata person is slim and slender, they generally have an oval face and small eyes. They may have dry skin or thin brittle hair. Just like the wind, they are always moving and walk and talk a  lot. The Vata person may forget to eat sometimes, run out of energy, or suffer from insomnia at times. Other characteristics include, gaps between teeth, deviated septum in their nose.

Vata's are very creative, imaginative, and always on the go. Vata's minds are always moving and this can cause difficulties in being grounded because they are always thinking ahead. They are born worriers and can feel anxious. Their slogan in life tends to be “Can I change my mind” because they tend to be indecisive. Vata's can be grounded with activities like slow yoga or meditation. Also grounding foods which are foods that are heavier and more comfort foods. If a Vata is out of balance they may have dryness in the skin, lips or hair.

PITTA– Made up of the elements fire and water. Pitta is all about the sun's heat and intensity.  A Pitta person would have a medium build with medium height and good strong muscles. They tend to have sharp features like their nose or chin, and also have intense eyes. Pitta's are also good speakers and make good CEO's and managers. They are goal oriented, productive, list makers, and always on time. Also, they can be witty, opinionated, critical of others and themselves. It is “my way or the highway” with a Pitta and they are competitive.

Pitta's will have a sharp metabolism and their digestion is strong. This means they get “hangry” a lot. When they are out of balance they tend to overheat. This can cause loose stools or diarrhea, rashes, bloodshot eyes, or headaches. They may also experience heartburn, acid reflux, anger, impatience, irritability, and jealousy. To “cool” the heat of a Pitta, you need a moderation in activity, less competition and less spice in their diet.

KAPHA– Made up of the elements water and earth. A Kapha person is well built with full, rounded features and a lot of times long, thick hair. They are loving, nurturing, caring, and a lot like Mother Earth. A Kapha has a strong immune system, are great listeners and have great endurance. However, they tend to be a little lazy and don't have the fire of pitta to get up and get going. Sometimes they tend to want to sit and relax and follow others. Taking initiative is not their strong suit. Their mind also tends to be a little heavier. They may learn things a little slower but once they grasp something or learn something new they will never forget it.

Their slogan would be “don't worry be happy” as they want everyone to be happy and they like to go with the flow. When a Kapha person is out of balance it is because of their slow nature and it can lead to slowness in the digestive system. This leads to weight gain or water retention, congestion. Other signs of being out of balance for a Kapha person is energy depletion, sleeping a lot, brain fog, and depression.

Contact Information for Colette:



This article was originally published on http://RockYourRetirement.com


Why a Care Manager is the Secret Ingredient: Episode 098

Ann Butterfield talks about having a care managerDoes Mom need help but you are tapped out?

I brought Ann Butterfield to the show to explain how an Aging Life Care Manager can help you.

If you've heard the term “Geriatric Care Manager”, it's the same position.

Ann explained that a Care Manager actually quarterback's your loved one's care.  She deals with all of the people who care for your loved one.  This quarterbacking can include:

  • A Life Care Manager manages the Caregivers.
  • Doctors–going to doctor appointments, and facilitating communication between the family members, the doctor, and the client.
  • Attorneys: Elder Law Attorneys, Estate Planning attorneys, and others need to interact with the client and family, and the care manager helps facilitate this.
  • The Care Manager interacts with Trustees to meet the client's needs.
  • Other Experts: care managers bring them in when necessary.
  • Financial: including the accountant and Power of Attorney.  The Life Care Professional provides information on government benefits and assists the client in obtaining them where warranted.
  • Housing options: Evaluation and selection of appropriate housing such as assisted living options or memory care.
  • Family members:  Long Distance family members and others need help adjusting and coping with everyday concerns and conflicts that arise.

She told a story about “Betty” who was caring for her elderly mother.

When mom moved from Washington State to San Francisco, there was a lot to coordinate.  You might be in this situation yourself:

  • You have a full or part-time job
  • Children or grandchildren depend on you
  • Someday you'd like to go out to lunch with a friend

When caring for a loved one, you've got to make phone calls (hundreds of them!), you've got to shop for yourself AND your loved one, you've got to coordinate with the caregivers. Not only that, but you also have to deal with doctor's visits, assisted living situations…the list goes on and on.

Aging Life Care™, also known as geriatric care management, is a holistic, client-centered approach to caring for older adults or others facing ongoing health challenges.

Working with families, the expertise of Aging Life Care Professionals provides the answers at a time of uncertainty. Their guidance leads families to the actions and decisions that ensure quality care and an optimal life for those they love, thus reducing worry, stress and time off of work for family caregivers through:

Assessment and monitoring

Planning and problem-solving

Education and advocacy

Family caregiver coaching1 

Ann was a nurse before she became a care manager, and it turns out that caregivers come from many backgrounds.  Many have had personal experience with family members and so discovered the need for these services.  

A Care Manager takes much of your burden, especially when you are out of the area.  

Ann can be reached at Ann@BoutiqueCareManagement.com or if you want more information on care managers in your area, go to https://www.aginglifecare.org/

This article was originally published on http://RockYourRetirement.com

  1. What you need to know, What You Need to Know, https://www.aginglifecare.org/ALCA/About_Aging_Life_Care/What_you_need_to_know/ALCA/About_Aging_Life_Care/What_you_need_to_know.aspx

What are the causes of Dizziness? episode 096

Dr. Kimberley Bell, DPT talks about the causes of dizzinessHave you ever experienced vertigo? What are the causes of dizziness?

Dr. Kimberley Bell, DPT has been a Physical Therapist for nearly 15 years, and she specializes in helping people with dizziness.  She assesses and treats vertigo, dizziness, and imbalance in people of all ages.  She also helps with other issues thought to be related to aging as well.

I brought her on the show to talk about the causes of dizziness, and also some potential treatments that can help.

What is Balance?

You might have heard of the five senses. These five senses are hearing, taste, sight, smell, and touch.  But there is another sense that we don't talk about. That is the sense of balance.  Without it, you wouldn't be able to sit or stand upright because you wouldn't be able to tell which way “up” was.  And you couldn't tell where “here or “there” was.  Without a sense of balance, gravity, wouldn't mean anything.  It would be fair to say that without any sense of balance, life would be unimaginably disabling.1

Dr. Bell was a wealth of information, especially if you know someone, or you are personally experiences vertigo, equilibrium problems, or the like.

She told a story of a client who had experienced vertigo since she was 56 years old.  This person had CT scans, MRIs, and cardiac testing to try to find the causes of dizziness.

Dr. Bell did an assessment and found crystals in her inner ear.  BPPV, or Benign Paroxysmal Positional Vertigo, occurs when a patient has crystals in her inner ear.  It's the most common cause of vertigo, which is that feeling of spinning that some people get.

This feeling is not life-threatening (unless you fall and hit your head!).  It comes on suddenly and is usually brief.  You can trigger BPPV when you hold your head a certain way or move your head a certain way.  And of course, its a type of vertigo, or a false sense of movement.

Oh, and by the way, it can sometimes be cured by the right therapist. As a matter of fact, Dr. Bell was able to solve her patient's problem (in the story above) in just a few visits.

Why can't my doctor find what my causes of dizziness are?

Many physicians don't know how to diagnose it, and they are also not trained in how to solve the problem.  Many don't know the causes of dizziness in their patients.

The difficulty of making the right vestibular diagnosis is reflected in the fact that in some populations, more than one-third of the patients with a vestibular disease consult more than one physician – in some cases up to more than fifteen.2 

Not only that but one recent large epidemiological study estimates that as many as 35% of adults aged 40 years or older in the United States—approximately 69 million Americans—have experienced some form of vestibular dysfunction 3  

Dr. Bell shares a story in her blog:  

Since February 21, the medical care that I have personally received has caused me to experience vertigo anytime I chew solid food. This was never a problem before.

Obviously, I’m not still working with that healthcare provider whose treatment worsened my symptoms, but recovering from the harmful results of the care that I received has taken me now over six weeks. My symptoms have been so bad that my husband has taken off work one or two days every week in order to take care of me.

If I didn’t have him, I’m sure I would’ve had to hire a caregiver by now! I’ve been living with mild to severe vertigo off and on since I was five years old, after my first childhood concussion.4 

Dr. Bell shares a lot of information in the episode.   Common medications that treat dizziness can cause dementia-like symptoms!   The good news is that dementia can go away with treatment.

You can contact Dr. Bell to find out your causes of dizziness on her website at https://www.betterbalanceinlife.com/ or Info@BetterBalanceInLife.com .

*Please note:  Neither the Rock Your Retirement Show nor the host, Kathe Kline provide medical advice.  Please consult your own practitioner about any healthcare issues that you have.

  1. Vestibular Disorders – Whirled Foundation, Vestibular Disorders, http://www.whirledfoundation.org/dizziness-imbalance-vertigo/vestibular-disorders/
  2. Balance disorder – Wikipedia, Balance disorder, https://en.wikipedia.org/wiki/Balance_disorder
  3. About Vestibular Disorders | Vestibular Disorders Association, About Vestibular Disorders, http://vestibular.org/understanding-vestibular-disorder
  4. Living with a Vestibular Disorder – Dr Kimberley Bell, DPT, Living with a Vestibular Disorder, https://www.betterbalanceinlife.com/4011-2/

This article first appeared on http://RockYourRetirement.com

Symptoms of Dementia: Episode 095

Ana González Seda talks about the symptoms of dementiaOne in three people over the age of 65 in San Diego have symptoms of dementia. Today we are talking about dementia symptoms.

Ana González Seda is the Program Director for the San Diego/Imperial Valley Chapter of the Alzheimer’s Association.  Her position is instrumental in providing face to face and online education and programming for caregivers, people living with Alzheimer’s Disease and other dementias. Ana has been working in the non- profit sector for leading health organizations in San Diego for over 15 years.

I asked Ana to come on the show to tell us about dementia symptoms. If you have a parent or loved one that gets diagnosed with Alzheimer's, I  want you to know what to expect.

If you lose your keys, that is not a part of symptoms of dementia. But if you find them in the refrigerator, that could be a sign of dementia

What are the early signs and symptoms of Dementia?

  1. Memory Loss that disrupts daily life
  2. Challenges in planning or solving problems
  3. Difficulty completing familiar tasks at home, at work, or at leisure
  4. Confusion with time or place
  5. Trouble understanding visual images and spatial relationships
  6. New problems with words in speaking or writing
  7. Misplacing things and losing the ability to retrace steps
  8. Decreased or poor judgment
  9. Withdrawal from work or social activities
  10. Changes in mood and personality

If you would like a copy of our freebie, 10 Early Signs and Symptoms of Alzheimer's, go to http://rockyourretirement.com/dementia this gives more detailed information on dementia symptoms.

Contact information:  alz.org  * 800-272-3900- Master level consultants with extensive training regarding dementia. They can help with short term and long term planning.

If you are interested in learning more about Trial Match go to alz.org/trialmatch

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