Does Your Loved One Need a Memory Care Home? Factors to Consider

Dementia is one of the diseases that might be difficult to manage once the symptoms have progressed. Assisted living seems like a good option for dementia victims, but they are no longer fit for such homes when the symptoms progress. If the patients exhibit extreme symptoms, they are better off in a memory care facility.

Here are some factors that you should look for to determine when to take your loved one to a memory care home.

Challenges during transportation

Your loved one might find it difficult to drive around or go to familiar places. As dementia progresses, the chances of memory lapse increase, making it challenging for a person to remember familiar places. The person might also claim to feel overwhelmed by the presence of many people. This means they will have challenges moving around on their own. They may also experience a cognitive decline, a condition that reduces mobility. In the extreme cases of dementia, your loved one might lose their sight and experience confusion, hence making it difficult for them to respond to stimulus. The condition gets worse when the person starts wandering around since they can get lost. An occurrence of any of these signs is a red alert that you should take them to memory care.

Can no longer manage money

Dementia places its victims at the risk of financial fraud. Therefore, it is necessary to monitor the spending patterns of your loved ones to note any changes that might be alarming. Among such changes is a case where the person begins to overspend. Also, when they start forgetting to pay their bills, it is an alert that they need specialized care. As the symptoms of dementia progress, they leave the individual vulnerable to memory lapse, a condition that can highly affect individual spending behavior. Be on the lookout for any erratic behavior regarding the person’s financial activities. Whenever you notice major changes, it is time to take your loved one to a memory care facility.

Increase in the rate of forgetfulness

Forgetfulness is one of the main characteristics of dementia. Forgetting minor things might not be a problem for an individual. However, as the disease progresses, people tend to forget important things that can greatly impact their lives. When such forgetfulness kicks in, it is time for the individual to be taken to a memory home. Among the signs to look out for is the person forgetting the directions to their home or forgetting their name. The symptoms become alarming when the individual forgets their location, yet they have been wandering. In such a case, the person might go missing, which is more traumatizing to their loved ones.

Rare problems

A dementia patient is expected o express the behavior of forgetfulness. However, if you live with them, you ought to be keen to notice any rare problems that they might exhibit. For instance, the person might lock themselves in the house and not see a big deal about it. If the room cannot be unlocked from outside, the patient might be in danger. It becomes worse if they are already showing severe memory loss. Another rare behavior to look out for is the frequency at which they take their medication. If they are unable to follow the doctor’s prescription, they risk overdosing or underdosing.

If you notice that your loved one is experiencing any of these signs, it is necessary to take them to a memory care home where they will be adequately cared for. Some people prefer independent living arrangements for their loved ones. However, this is not a good option if the person is showing signs of severe dementia.

Types of Life Insurance For Seniors

Most people often assume that Assurance Vie or life insurance for seniors is impossible to get. However, this is further from the truth as seniors aged 60 years and above can get life insurance as easily as everybody else. Obviously, this group of citizens requires more coverage as they are most at risk of adverse health issues. Life insurance in this case would give them some form of comfort knowing that they are covered in case of any eventuality.

Importance Of Life Insurance For Seniors

Although most seniors may have enough savings and resources to meet their needs during their senior life, there are situations where seniors lack the financial ability to take care of themselves. This may be worse for seniors with debts and dependents to take care of. For this reason, life insurance is important as it enables seniors to live a quality life and leave something behind for family and loved ones.

Types Of Insurance For Seniors

While seniors are not categorized into individual classes, some life insurance coverages have age limits. For instance, your local pharmacy may offer you a senior discount once you hit 55 years old. However, some institutions such as the Canadian Pension Plan may not offer some services to seniors unless they’re in their 60s. Luckily, most insurance providers determine eligibility based on specific ages rather than age groups. With this consideration, most agencies don’t provide term life coverage for seniors above 75 years. Such applicants will have to find providers with no age limit. Alternatively, they can purchase permanent coverage. Depending on individual health, seniors are also able to choose between insurance with a medical examination and non-medical insurance products.

The Best Policy For Seniors

There’s no specific life insurance policy that’s best for all seniors because each person has individual needs. Healthy seniors in their 60s can benefit from a fully underwritten term life insurance that they can convert to cover expenses during their old age. In some cases, the insurance funds may be used to take care of the family including children and grandchildren after the beneficiary passes on. in such cases, permanent insurance, such as whole life insurance is the best. However, whole life insurance can be very expensive since you’re covered for your entire lifetime and you may have access to its cash value component in which you can either withdraw funds or borrow against it. Comparatively, if you’re a senior in your 70s, with an underlying condition, you can best benefit from non-medical life insurance coverage as it can cover medical and funeral expenses after you pass on.

Finding the best life insurance for you can be a challenging task especially during your old age. However, reaching out to the right insurance agency is the first step towards ensuring you’re fully covered even in your old age. In addition, proper coverage as a senior will guarantee financial security to your family even after your death.

Ciao! Italian Furniture 101

Would you like to have classic works of art in your home? Pieces that are not only beautiful and timeless, but functional as well?

Italy’s art history inspires the craftsmanship of Italian furniture. From Baroque to Modern, Italian furniture still reflects the style of those eras to the present day. From intricately carved woods, beautifully crafted fabrics, and the use of metals and stone, make classic Italian furniture works of art.

A Brief History

The Italians discovered Greek designs found in Pompeii and Herculaneum’s ruins, which thereby inspired their earliest furniture pieces. The Romans developed a type of folding stool that commoners and government officials alike used. Round tables, designed with curved legs in the shape of animals, had widespread popularity across the realm.

After the fall of the Roman empire, furniture became utilitarian. Basic paneled doors on storage cabinets accompanied plain-featured tables and stools used in the kitchen, evidence in which paintings, sculptures, and manuscripts proved.

Medieval furniture was dark, heavy, and rough. However, the 14th century brought improvements to the manufacturing of furniture. Newly discovered joinery methods enabled more delicate woodworking and the creation of lighter weight pieces.

The Renaissance(rebirth) period brought about a significant transformation of Italian furniture, guided by architectural principles. The wealthy and powerful social class of the time created a demand for housing, thus requiring furniture. Pieces adorned with gilding (gold leaf) were popular, making the piece’s decoration more important than its intended use. Cabinets and paneling displayed colonnades. The fronts of cupboards resembled miniature churches or palaces. But the most significant expression of the Renaissance period manifested in the carving of furniture pieces. Cabinet makers from all over Europe came to Italy to learn from their fellow craftsmen. Because of this, European furniture styles became heavily influenced by Italian furniture designers of the day.

Present Day

Italy has become known for its fine furniture. It provides durability and stability and can fit into any home or lifestyle. Whether you prefer modern or traditional, there will always be a piece to suit your style and taste. Despite its chic, posh appearance, incomparable design, and quality build, Italian furniture is affordable.

If you want your home to reflect its beauty and good taste, consider the purchase of Italian furniture. It is a decision you will be glad you made.

Finding Italian Furniture

If you’re looking for authentic and high-quality Italian furniture, it’s important to first do some research on local retailers. Look for an Italian furniture Montreal retailer that offers a wide range of beautiful Italian furniture options.

Celebrity Failures Highlight the Importance of Proper Estate Planning

The act of creating a will forces you to think about your own mortality, which isn’t generally a pleasant topic. When you are young or even middle-aged, you can fall into the trap of feeling you have plenty of time left to put a will in place. An unfortunate reality of life is that tomorrow isn’t guaranteed, and passing away without a will can leave your loved ones with difficult emotions, prolonged court battles and little money. High-profile celebrity estate battles illustrate the importance of properly structured and regularly updated wills.

Celebrity Failures

Many celebrities have failed to put wills in place, which left their families and other loved ones with the typical challenges associated with someone dying intestate as well as challenges associated with any ongoing business. Celebrities, as John Branca points out, are businesses as well as people, and when a celebrity passes away, that business goes on. Failure to properly estate plan puts entities in charge of that business who may know nothing of how to run it. This can further complicate already complex inheritance matters. The estate of Prince, for instance, took years to sort out.

Properly Structured Wills

Putting a will in place isn’t enough. If the will is overly simplistic, you could accidentally cause your estate to pass to unintended parties. This happened with Jim Morrison’s estate. He had created a will that left his estate to his girlfriend if she was alive at the time of his death and equally to his brother and sister if she was not. As she was alive at the time of his death, his estate passed to his girlfriend. His girlfriend passed away a few years after Morrison, and applicable law left Morrison’s estate passing through to her family instead of back to his brother and sister. Morrison could have dealt with that possibility by putting a trust in place with instructions regarding what happened to his estate once his girlfriend passed away.

Regular Updates

Even a properly structured will can become defunct if it is not updated after major life events, such as divorces or marriages or the birth of children. Heath Ledger, who passed away at 28, had a will in place that left his entire estate to his parents and three sisters. He had developed his will, however, before the birth of his daughter, Matilda, so she was effectively disinherited. Luckily, in the case of Ledger’s will, his parents ensured Matilda received an inheritance, but if they had not done that, Ledger’s young daughter would have received nothing.

Thinking about death, especially your own death is not pleasant. A definite way to show your loved ones you care is to spend the time to put a proper will in place and ensure you update it after major life events. No one likes to think about their loved ones having to go on without them, but proper estate planning can make sure if that happens, your loved ones will be able to spend time grieving and celebrating your life instead of battling in courts.

Study of Evolutionary Biology Could Be Key to Human Survival

You’re interested in studying biology and possibly going to medical school. You’ve researched what you need to do in order to become a doctor, and you are starting to think about interesting specialties. Evolution never crossed your mind. Isn’t that something that archeologists study? You may be surprised to find that evolutionary biology is not the arena of archeologists but is exceptionally relevant and a key to humans’ survival as a species.

Basic Science

Evolutionary biology is the study of the evolution of organisms, both origin and changes to the organisms over time. This definition does make it sound as if focusing on this field will put you squarely in the past every day. All kinds of current and relevant work, however, is being done in the field, such as that by Rachel Tobin Yale. Advancements in the understanding of gene expression have led to a deeper understanding of how organisms survive and thrive over time. Some experts are even making the case that evolutionary biology should be declared a basic science for medicine.

Disease Cures

If you are still not convinced that the study of evolutionary biology won’t have you living in the past, you’ll want to look into specific DNA sequences called enhancers. Though these enhancers are instrumental in driving the evolution of species, mutations in the enhancers can be associated with an extremely high percentage of human diseases. This association between mutations in enhancers and human disease makes them the key to the understanding and cure of diseases that still plague the human race today. Further, researchers have developed a method to create mutations in genomic enhancers so they can observe evolution in real-time.

Species Survival

Beyond its applicability to the treatment and cure of human diseases, evolutionary biology also has relevance to humans’ adaptation and survival as the climate changes at an unprecedented and increasing rate. Though genetic adaptation isn’t a shield against the ravages of a harsher climate, there is a possibility of it being a buffer. Understanding this buffer effect could be key to mitigation of some of the more devastating impacts of a climate that is becoming increasingly hostile to human life.

Whether you are interested in treating and curing human diseases or helping better understand how humans can best adapt to a rapidly changing climate, the study of evolutionary biology brings excitement and relevance. You may have imagined yourself figuring out why dodo birds went extinct, but you could instead be figuring out how to keep humans from following in the dodo’s footsteps.

When You Need a Compounding Pharmacy

You might not have heard of a compounding pharmacy because most people do not require this specialty service. In the US, pharmacists fill about 4.5 billion prescriptions annually. It wasn’t always that way. At one time, all prescriptions were filled this way

Until the 1938 passage of the Food, Drug and Cosmetic Act, pharmacists compounded most prescriptions – about 250 million each year. When pharmaceutical manufacturing developed, the public began to purchase readymade prescription drugs and over the counter medications, too. This made the job of pharmacists easier, but many people found they still needed some prescriptions compounded.

Compounding Defined

Compounding simply refers to the process of mixing pharmaceutical-grade raw materials to create a custom prescription issued by a physician. Every year, pharmacists compound 30 to 40 million prescriptions. Many reasons exist for a patient needing a compounded prescription.

  • a necessary medication gets discontinued,
  • the patient has an allergy to a binder, dye, or preservative in the manufactured medication,
  • the patient cannot take the manufactured medication in the form in which it is made such as a capsule,
  • the patient needs a different dosage than pharmaceutical companies manufacture,
  • the patient requires a custom medication because other drugs have failed,
  • the patient requires a different medication flavor to make it more palatable,
  • the patient is your pet who requires a custom medication.

Compounding requires special training for both the technicians and the pharmacists. They also need the right equipment as well as meeting specific facility requirements and special mixing processes.

Finding a Pharmacy

Not every pharmacy offers compounding because it requires certain special training, equipment, and facilities. Pharmacies like http://ubapharmacy.com/ offer compounding with online orders. The pharmacy facility is certified by the Pharmacy Compounding Accreditation Board (PCAB) standards and meets or exceeds USP Chapters 795 and 797.

Online compounding pharmacies have cropped up to address this need. They allow the upload of a prescription, processing at the long-distance facility, then provide shipping directly to the patient. The comprehensive and convenient process from start to finish puts these hard to find compounding facilities within reach of all patients and lowers the cost of the custom medications since the facilities can process a high volume of orders.

If you have a special need, such as requiring a gluten-free prescription, or an allergy to an ingredient, compounding can solve the problem. You can obtain the prescription you need by having it custom compounded.

Should You Have a Brazilian Butt Lift?

A Brazilian butt lift is a procedure that transfers fat to help augment the shape and size of the buttocks without the use of implants. During the procedure, extra fat is removed from the abdomen, lower back, thighs, or hips using liposuction, and then a portion of the fat is injected strategically into the buttocks. When the procedure is done with a talented cosmetic surgeon, it can improve the portions of the whole lower body, as well as help you lose fat in many common problem areas.

Why Have a Brazilian Butt Lift?

The proportion and shape of your buttocks are largely determined by genetics. While exercise and a healthy diet can help you tone the muscles and achieve healthy body weight, you can still remain unhappy with buttocks that are flat and don’t have any shape. This surgery can help you overcome the effects of genetics by reshaping the area.

You may want to consider having a Brazilian butt lift in order to improve lower body curves, decrease fat pockets on your belly, thighs, or hips and instead add to the fullness of the buttocks, help your clothing fit better, give you a more aesthetically pleasing and youthful shape. and enhance your overall proportions.

Are You the Right Candidate?

While the procedure can be a good option to improve the size and shape, there are some patients that are going to be better suited and it’s necessary to have realistic expectations about results. You may be a good candidate for this surgery if you want augmentation without implants, have good skin tone in the buttocks and hips, have sufficient fat stores in other areas that can be harvested, and are willing to avoid sitting directly on the buttocks for several weeks. Despite the name, it’s not a traditional lifting procedure and won’t address any loose skin in the area. If you are bothered by sagging or excess skin on the thighs or buttocks then there may be other suitable options.

Implants Versus Brazilian Butt Lift

The main benefit of the Brazilian butt lift is that it doesn’t use implants so the procedure has a lower risk and still gives you natural-looking results. However, if you are currently lean and don’t have fat to harvest then implants may be the only way you can get to your desired size. Implants may work better for some patients but there are added risks of having implants, such as a greater risk of having an infection. They also feel and look less natural when compared to the Brazilian butt lift.

Finding Your Surgeon

The procedure is complex and requires an eye for detail, along with experience in fat transfer techniques and extensive training. In order to get the best results, you want to ask about training and how many procedures he or she has performed so you know what to expect. Ask for before and after photos in order to give you a better idea of the aesthetic style as well.

How To Know If Laser Hair Removal Is Right for You

Dealing with unwanted hair can be a pain, literally. Not only can getting rid of it often be painful, but it can be a time-consuming nuisance as well. That doesn’t mean, though, that you don’t have any options. If you’re getting tired of getting rid of your unwanted hair in the same old ways, trying laser bar and spa Manhattan could be a good move for you.

What Is Laser Hair Removal?

Laser hair removal is pretty much exactly what it sounds like, the removal of unwanted hair with lasers. In some of the most common types of laser hair removal, the heat of the laser is attracted to the pigment in the hair. The heat then obliterates the hair from the shaft, down to the root. After a certain number of treatments, the root will become damaged enough that it will no longer be able to produce hair. The number of treatments required to reduce hair effectively can vary from person to person, but generally between 5 and 8 treatments are required for the best results.

How Does It Compare To Other Kinds of Hair Removal?

Unlike shaving, waxing, and depilatory treatments, laser hair removal tends to be more permanent. Shaving typically has to be done daily, or at least a few times a week to remove hair, and can easily lead to skin irritation and razor burn. Waxing can usually last up to six weeks, but one of the downsides is that you have to wait for the hair to reach a certain stage of growth before it can be waxed. Depilatory treatments may last longer than waxing, however, they can easily cause skin irritation and in some cases chemical burns. While laser hair removal may require several treatments over a longer period of time, and it can cause some scarring and irritation, it tends to be more permanent than other kinds of hair removal, as well as hassle-free.

What To Expect At Your Appointment

When you have your first laser hair removal appointment, you can expect to fill out paperwork, as well as discuss your medical history and your skin and hair types. You will also most likely discuss your pain tolerance and sensitivity levels. For your first appointment using the laser, you should show up with the area that is going to be treated shaved and free of hair.

Last Thoughts

Unwanted hair can be pesky to deal with, especially when you have to manage it on a continual basis. That doesn’t mean, though, that you don’t have options. With laser hair removal, it can be possible to make your hair removal routine easier and more hassle-free.

4 Reasons Direct Mail Isn’t Dead

In a digital world, it may seem like direct mail is a thing of the past. Many marketers have focused their efforts on email and social media marketing. However, the data shows that direct mail is still effective. In fact, consumer response to direct mail is increasing. Here are 4 reasons direct mail deserves to be part of your marketing strategy.

1. It’s Tangible

Social media ads and emails are quickly scrolled past or deleted. Direct mail can stick around a customer’s home for days or even months. Placing a special offer on your piece will encourage people to save it in a location where they won’t forget about it.

2. It Commands Attention

No one wants to accidentally throw away an important piece of mail. This means that most recipients of your piece will at least scan it before throwing it away. As many as 80% of customers read each piece of real estate direct mail. Your marketing campaigns through email are unlikely to receive the same amount of undivided attention.

3. It’s Trackable

Social media marketing gathers a wealth of analytics. Many marketers rely on this information to gauge success or to adjust their campaigns when they aren’t meeting targets. Direct mail doesn’t have the same depth of data but still allows you to track response rates and return on investment. Use a unique phone number and website URL to track the response rates of each campaign.

4. It Reaches all Ages

Approximately 40% of seniors are smartphone owners. This means that a significant portion of your potential target market is unreachable through digital strategies. Mail reaches everyone, expanding your reach beyond social platforms, and email marketing.

Direct mail may be less common than before the internet, but its impact is still going strong today. If you haven’t considered a direct mail campaign before, hopefully, these 4 reasons have convinced you that it may be worth the effort.

Types of Real Estate Contracts Every Investor Should Know

To be a successful real estate investor, you should become a master of real estate contracts. These legal documents can seem confusing and overwhelming at first. It helps to understand the primary goal of any real estate contract is to protect your investment and limit your liability. Let’s increase your confidence with contracts by breaking down the most common types you’ll encounter.

Purchase Agreement

When learning how to invest in real estate, this will likely be the first type of contract you encounter. This contract is the sales agreement for real estate transactions. It will lay out the terms of sale between the buyer and seller. Purchase agreements change slightly based on the state of purchase or if a real estate agent is involved in the sale. However, a good purchase agreement will cover all the details of the property and the transaction, including any contingencies and which party is responsible for the various costs associated with selling the property.

Lease Agreement

Many real estate investors are looking to earn income through rental properties. If this is part of your investing strategy, you will need to become familiar with lease agreements. As the property owner or landlord, you will outline the terms of rental occupancy in a lease agreement. It should cover rent, security deposit, utilities, and any other expectations for the tenant.

Real Estate Assignment Contract

Slightly more complex than previously discussed contracts, a real estate assignment contract is used when wholesaling properties. This strategy is used when you find a distressed property that you plan to sell to a third party. It provides extra flexibility in your investment while allowing you to secure properties quickly.

You can simplify real estate contracts from their overwhelming state. Now that you have familiarized yourself with the most common types you’ll encounter, you are one step closer to investing mastery.

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