All posts by Jacob Thomas

Health Conditions that are Common with Seniors

Health Conditions that are Common with Seniors

Some of the leading causes of death among adults aged 65 and above are highly preventable and treatable. Understanding these diseases is very important because you will figure out when and how you can be treated or managed. This list provides you with insight to the leading cause of deaths among seniors. Get quotes here for plan G supplements

Heart disease

Your heart can beat uncontrollably and circulation impaired if you suffer from heart failure, hearth arrhythmia or heart attack. One of the leading causes of this condition is diabetes, smoking, inadequate exercise, improper diet, family history and high blood pressure.


This category includes colon cancer, breast cancer, and skin cancer. Among this category is the infamous bone marrow disease which is called leukemia. Seniors are more prone to these diseases than other members of the populace.

Pulmonary Disease

Chronic obstructive Pulmonary Disease (COPD) is responsible for difficulties in breathing. As the disease advances, it becomes increasing difficult for you to breathe. Over 50% of the people living with this disease are not aware that they have it. The key to its treatment is early which is through a simple process called spirometry.


This disease is caused by brain hemorrhage or a blockage of the blood flow to the brain. Both causes can lead to paralysis, immobility, swallowing problems, speech disorder, and brain damage. This disease is more common with seniors who are living with High blood pressure or diabetes.

Alzheimer’s disease

Alzheimer is often characterized by a gradual loss of memory, changes in personality and loss of physical abilities. There is no known cause or cure to this disease. However, there are medications in place to slow down its progress.


This infection is mostly common among seniors during winter. Those with diabetes, high blood pressure and other respiratory diseases are at higher risk to it. The best defense for this is the flu vaccine.


Adult on-set or Type II diabetes have been one of the leading causes of deaths among seniors aged 65 and above. While this chronic disease reduces the efficacy of the body’s immune system, it increases the risk of heart attacks, stroke, and other blood circulation issues. It prolongs the healing of wounds while respiratory problems like influenza and pneumonia becomes difficult to contend. It can be prevented and managed by maintaining a reasonable weight, having a regular exercise and eating balanced diet.

How Should Seniors Start Investment after Retirement?

Investment after retirement sounds practical for many senior citizens who have a ton of money in their life finally, and wish to double or triple it by putting huge sums on profitable ventures or assets. However, it is essential that you follow your invest goals with a practical mindset – so that the twilight years of your life are never at risk.

Develop financial goals

There is more to investments than simply expecting returns. It is essential that you have proper financial objectives in place and then make investments accordingly. Whether it comes to saving for retirement or purchasing a dream car or home, you can work with an investment planner to get assistance on how to begin and make profits quickly.

Research on market trends

As an investor, you should consider how to make wise monetary investments. Keep yourself updated about the specific market you are interested in, get more news and knowledge about the global markets and know about the latest business trends. This can make it more convenient for you to choose the best financial instruments for building a good portfolio and for making successful investments. The 2019 medicare advantage plans at have info for Blue cross blue shield for 2019.

Develop Cash Emergency Fund

Before beginning investments, it is essential that you have set some money aside and developed an isolated cash fund for emergencies. Keep in mind that the market is volatile and you cannot actually rely on redeeming from the market during emergencies. With a proper emergency fund, you can feel slightly easier to begin your own investment journey.

Assess your own risk bearing capacity

Risk bearing capacities vary across investors. You need to assess your own risk profile as an investor, and decide how and where to invest finances and make fast profits. The level of risk that you are prepared to take will determine how much money you will be capable of investment. Manage your risk. In case you have a thousand dollars to invest, do not put all of it in only one type of investment. Ensure that you diversify to be on the right track.

Make constant reviews

Constantly review your investments, preferably every month, to check whether your investments have or have not worked. When you diversify investments, you can focus putting your money again and again on those investments that are working for you. As markets move up and move down, it is better that you focus only on successful investments and stop putting money on others.

3 Types of Investment Strategies Retirees Can Choose From

Investment strategies happen to be a specific set of behaviors, processes and rules in finance that are designed to help investors choose the investment portfolio of their choice. It is important to have a well-planned investment strategy in place before you make any investment choice. Retirees have the money as well as the time for investing, but need the smartest investing strategies if they want to ensure long-term survival. Find out about 3 types of investing strategies that retirees can pick from. The 2019 medicare advantage plans from United healthcare can save you time looking for insurance.

Active Investment Strategy

The strategy is also useful for making optimal ROI. This includes making proper decisions about the sale and purchase of stocks by predicting the future market rates for the same stocks. Stock market predictions are typically based on a perspective of market situation or economic condition that arises from technical or fundamental analysis. This kind of investment strategy is thus, based completely on an aggregate market approach instead of a particular stock.

Passive Investment Strategy

It is also referred to as passive management, in which various portfolio choices have to be made for reducing the expenses of transaction as much as possible. This is commoner in the stock market industry, although it is getting more famous in commodities, hedge funds, bonds and other types of investments. These days, there are many market indexes in existence which are tracked by different types of index funds. Investment decisions, in stock market investment, have to be taken via a detailed research about the past and present trends about the Net Asset Value (NAV) and the stock market price. The assessment about future prediction from stock market professionals should be considered as well, as capital appreciation, dividends, capital gain distribution profits etc might not be earned otherwise.

Buy & Hold

It is an investment strategy for the long-term, depending on a business concept of an amazing rate of ROI being offered by the long-term financial market in spite of volatility or a period of decline. This approach also has the notion of market timing involving purchasing at a low cost and selling at a higher rate. Smaller investors and retail investors, more commonly, use this type of strategy in investments in real estate, where the mortgage lifespan is usually the asset holding period.  If you have just retired, you have to make a proper consideration and evaluation of each of these strategies and use it for your own investment.

Natural Supplements for Elderly with Parkinson’s Disease

Natural Supplements for Elderly with Parkinson’s Disease

Parkinson’s is among the most widely spread neurodegenerative diseases across the world. PD cases malfunction & reduces the nerve cells in your brain. The cells create an important chemical known as dopamine that transfer messages towards other regions of your brain to encourage better coordination and movement. As the disease progresses further and further, it tends to reduce the production of dopamine in your brain. This causes motor issues such as rigidity, restricted movements, balance issues, and tremors.

Natural Supplements to Fight PD:

Ginkgo Biloba

It encourages alertness, memory, & contains plenty of antioxidants. Besides, even though studies are ongoing, ginkgo biloba might help increase the activity of dopamine thus allowing adults to retain cells that release dopamine.

Fish Oil

Almost everybody of us must be familiar with the various health advantages offered by omega-3 fats and fish oil. Nevertheless, fish oil might also assist in treating Parkinson’s disease. Not only do omega-3’s protect brain cells, but they also help minimize the odds of depression in patients.


Melatonin plays a significant role in making sure you receive enough sleep each night. It also offers neuroprotective qualities which may assist in slowing down the progress of Parkinson’s disease.

Vitamin D

People who’re suffering from Parkinson’s might also face difficulty in getting their daily requirement of vitamin D.

According to experts, increased levels of this vitamin might allow seniors to reduce the odds of developing Parkinson’s disease. The relation between vitamin D & PD although isn’t well-known as of yet, nonetheless vitamin D can play an important role in understanding how the genetic stuff is used & might also offer relief from brain inflammation. Reduced vitamin D levels could also leave patients PD at a greater risk of bone-fractures as well as falls.

Medicare Supplement Plans for Elderly over 65:

Medicare supplemental plans are health insurances provided by private insurance agencies which supplement benefits which aren’t covered under Traditional Medicare that includes Part A as well as Part B. It basically fills the gaps which Original Medicare coverage leaves. Hence, they’re also referred to as Medigap plans.

Top 5 Questions to Ask Yourself before Making Investments

Top 5 Questions to Ask Yourself before Making Investments

Making investments sound lucrative, but it is important that you have a solid foundation in place and take care of various aspects to build a solid investment portfolio. Before you determine your own stock investment strategy, you have to consider important factors such as Financial Goal, Risk Level, Time Frame and Return Level. Here are 5 important questions that you need to ask yourself prior to making investments and expecting optimal returns.

How much debt do I have?

It is essential to pay prior dues off and clear your own credit before you make investments. It is important that you have a clean state from the financial perspective, so that you can invest without any hassles and can concentrate on your returns.

What are my financial goals?

Expecting returns is not all that there is to investing. It is essential to have your financial objectives in place – whether it is purchasing a new car, your dream house or making retirement savings – in order to invest accordingly. You can get an understanding of why you should begin with the process.

What is my understanding of financial instruments?

In the market, you can find many financial instruments that offer many benefits. The important question is often what you want to achieve as an investor, and whether you want to just save, invest with reduced risk, get long term stability or make fast profits. If you have clear priorities, it is not difficult to earn more with investments. Once you are diligent about financial products that are available in the market, you can earn fast profits by making an informed decision.

Have I done enough research about the market trends?

If you indeed want to invest your money wisely, you need to stay updated about the market, get news about the global market and have knowledge about the latest business trends to choose the best financial instruments for your investment.

How much risk can I afford?

Risk bearing capacities vary across individuals. Any top investor will recommend you to assess your risk bearing ability, so that you can ensure that you can actually have a solid investment profile. You can decide how and where you should invest money and earn profits quickly. It is a good idea to have a contingency fund in place so that you can always have a backup financial pool to fall back on in case your investments fail.

How to Make Successful Real Estate Investments?

Real estate investments are one of the best types of investments for people who have just retired and want to make their money grow. It is possible to get very high returns from such investments, when you are ready to wait awhile, invest enough time and money on your efforts, make enough research before investing and more. Here are 5 tips to help you make successful investments in the real estate market. Get a quote for 2019 medicare advantage plans by going to our site.

Get educated and informed

Take out enough time to know about the various risks associated to the types of property investments you have interests in. Get educated about the investment type, purchase tapes and books and visit many seminars – whether offline or online – to continue getting more knowledge. There is no need to purchase costly tapes and books from self-proclaimed “guru”. Purchase your academic materials from an online bookstore to save money.

Set realistic goals

Most retirees tend to purchase only one property, or make investments based on impulses or emotions instead of having a specific objective in mind. For instance, you can have an objective of making 30,000 USD every month from your real estate investments in passive rental income through the purchase of apartment buildings and single family rental houses. You should have well-defined objectives and include risk moderation methods and protections to ensure that your chosen plan is viable, stable and attainable.

Focus on team building

You need to invest in team building if you wish to expand your investment portfolio and want to develop a business. Some team members that you require include contractors, property managers, inspectors, affiliates, attorneys, CPAs, appraisers, private lenders, bankers, brokers, real estate agents etc. It might be time-consuming to develop a team and ensure that you can rely on your team members. Team building is the most vital aspect of investment other than then investment itself.

Hire a property manager

You need to have an efficient property manager who can help you with managing your investments. He can help you with many important management activities such as tenanting, background checks, leasing, taking care of tenants, repair calls, rent collection, accounting etc.

Ensure tax structuring and legal protection

You have to keep yourself safe from financial predators. Place your assets to a suitable entity or get extra umbrella insurance, so that you do not have to face trivial lawsuits. For the purpose of tax, you would like to keep your passive investments in active investments and LLC.

Finance for older adults.

Finance refers to the management of funds by an individual or company. One important group of people that need to manage their finance is the elderly people in society particularly when they approach the ages from 65 years. This is because from this point on they may become less productive because of physical strength and activeness. As such, there is an ever growing need for resources that will help serve the older adults in the management of their financial choices. This is meant to help impact the quality of life they live from this point on.  There are principal things that need to be understood about aging and reduction in financial capabilities. They include:

  • Decline in financial capability can be exploited by family and friends very easily

A good analogy of this point is the true story of a man who opted to marry alit late in life when he had wealth. The wife married him for the money and within no time she had depleted all his finances. Before this happened, the man’s family had tried to intervene but failed. This basically translates that declines in financial ability make older adults very vulnerable to financial abuse, which can be perpetuated by family members and friends, as well as by scammers and strangers.

  • Even people free from aging diseases can experience increased difficulty in financial management as they age.

Even in the absence of disease the brain’s abilities change as people age. This process proceeds a little differently for every person but it’s analogous to the aging that we see in other parts of the body: things change with age and wear. Not all changes are negative, but the changes can eventually make managing finances harder.

  • If you notice signs of financial impairment, you should start looking for expert advice.

It is certainly possible to develop some difficulties with finances and not have it be an aging associated disease. It could be mild cognitive impairment, it could be depression, it could be another medical problem, or it could even be cognitive aging.

  • Work on optimizing brain function if you are concerned about financial impairment.

The main way to optimize a person’s brain function is to identify and reduce medications that interfere with thinking skills. You should also help the older person get assessed for medical problems that interfere with thinking, such as depression, thyroid problems, vitamin B12 deficiency, and many more.  The 2019 medicare advantage plans can save you money.

What Makes Real Estate Investments Perfect for Elderly People?

As an elderly person, possibly in the age group of 60 who has just retired, you might like to grow your retirement funds to protect your principal against the impact of inflation. Find out about some reasons why real estate investments are perfect for people in the elderly age group. Find quotes at for supplement plans and money saving help.

You can start small

You can begin small even when it comes to investing in real estate properties. It is relatively easy to start this kind of investment, as you can purchase homes for very small up-front payments. You can have subsidized payments by having them deductible against the income that you have earned.

Financial Leverage is possible

Financial Leverage indicates how much debt you should use for funding real estate. Retirees who make successful real estate investments have their leverage optimized. With more leverage, you can make fantastic investments. Lots of investors have a particular strategy for detecting investment opportunities and optimizing leverage. It includes acquisition plans that reduce the need for cash for a project. Even if you have small retirement funds, you can enjoy the advantages of financial leverage.

You can compound money

Investments in commercial real estate generate compounding cash flows. You need a more or less long-term horizon to benefit from the same. Retirees can put down 10,000 USD on a duplex apartment that stands on a proper location. They can earn 21% every year with minimal risks over the next 15 years. Although you have to wait for several years, you can be assured of almost doubling your investment.

Inflation Resistance is possible

The value of real estate happens to increase with inflation. The value of most properties often increases more quickly than inflation as it is in comparatively less supply than other services and consumer goods. The supply of real estate properties is price-insensitive. As there is higher demand, prices tend to increase more in this sector.

You can get tax benefits

Note that interest costs for your own home or some commercial properties might be partially or completely devoid of taxation. This ensures that the funds costs are lowered by marginal tax rate. Owning real estate is also advantageous from the tax perspective as there is the chance for rental property depreciation. Depreciation happens to be a non-monetary, legitimate deduction for offsetting revenues that would be otherwise taxable. Thus, you can display that you have suffered losses on your investment on properties, and use it for lowering your own income and reducing your taxes.

Top Investment Options Elderly People Can Put their Money On

The last few decades have seen many elderly people opening up to ways to grow their retirement funds by investing on various products by banks and the financial market. There are plenty of investment options that you can put your money on, and satisfy your short term or long term goals about growing money. Find quotes for 2019 at to avoid high medical bills.


It is not new to invest in gold, and many people have been putting their money on this precious yellow metal. This is among the safest options for investment, and it can be actually advantageous during times of economic recession. It can be a perfect long-term investment option that can help you. When you invest in gold, you can use it for various purposes – such as tackling a medical emergency, marrying your child off, buying a new property etc. For the last few years, the cost of gold has been continuously rising. Even at the peak of recession, gold rates rose at 19.30 %.


Stock investing is among the best options for investment. Market trends suggest that equity share investments draw as high returns as 26.5% in a 5-year period as compared to fixed deposits during the same time. Even when you make investments for a longer time, it can reap more returns for you. Stock investments are also better options than gold or real estate investments. Conduct research on the present and past trends about stock rates and Net Asset Value. Follow the tips and blog posts of stock market professionals regarding future prediction.

Mutual Funds

It is another famous option for investment that has got a lot of attention in the last few years. Mutual fund is a wealth pool that is supplied by multiple investors and used consecutively by a mutual fund agency for investment in various assets such as bonds, shares and stocks. Choose a mutual fund agency having a certified investment manager. You may make short or long term investments on mutual funds.  The best thing about mutual funds investments is the fact that it is possible to make small investments at a time. You do not necessarily need to make big investments in mutual funds. These days, most banks and financial institutions offer a diversified mutual funds investment product portfolio. This type of investment also tends to fetch very high returns. Keep in mind, however, that the amount of returns you can get is unpredictable and completely depends on the market situation.