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CHANGING RESIDENCE: HOME-EQUITY PLANS

These plans are essentially variations of three familiar transactions: loans, sales, and deferred payments.
In home-equity loan plans, you arrange for a reverse mortgage (or what is called an adjustable-rate reverse mortgage or reverse shared-appreciation mortgage), exchanging equity for cash while retaining title to your property and continuing to occupy your home. Each month the lender, usually a bank or a savings and loan association sends you a check. These checks are a loan that must eventually be repaid with interest. But you do not have to pay the money back until a specified period has elapsed – five or ten years or until you sell the home or die. In most cases your home is ultimately sold to repay the debt, though you can use a short-term reverse mortgage to pay living expenses until a pension or other source of income comes in. When your home is sold, any value beyond the debt goes to you or your estate.
Home-equity sale plans differ in that you lose title to your home. In one type, for instance, called a sale-leaseback plan, you sell your home to an investor who immediately leases it back to you for life. You become a renter in the home you have just sold.
The February 1987 issue of the Gerontologist described a Marin County home-equity demonstration project, recently expanded to San Francisco and eight other California counties (Alameda, San Mateo, Santa Clara, Contra Costa, Sonoma, Sacramento, Napa, and Orange). The program offers eligible applicants financial counseling and a choice of either a home-equity loan plan or a sale-leaseback plan. Most people who participate choose the loan plan to help pay for long-term home health care.
Home equity is not widely available. For instance, to be eligible for this California program, applicants must be sixty-two or over, have a low or moderate income and modest assets, own their homes outright, and live in one of the counties the project serves. Because programs are expensive to run, home equity may never be widespread, though the idea is catching on. There are now demonstration projects in Tucson, Boston, Milwaukee, and Nassau County, New York. There is even one in Musashino, Japan. From the National Center on Home Equity in Madison, Wisconsin, you can find out whether such a program exists in your community.
If you are “house rich” but not eligible for home-equity plans, you have other options. For example, suppose money is not a major concern, but the size of your house is. You feel uncomfortable living alone in a four-bedroom home, rattling around where a family would fit. Your house is unwieldy, hard to clean, heat, and maintain. You hate finding someone to mow the lawn. You are frightened of being by yourself. What would happen in a robbery or a medical emergency? Still, you refuse to sell.
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GENERAL HEALTH
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Posted by admin on June 1st, 2010 :: Filed under General health

CHANGING RESIDENCE: SUGGESTIONS FOR MAKING ANY TYPE OF MOVE

In making any move, whether to a continuing-care retirement community or not, the research suggests you should take these additional steps.
List the pluses and minuses of your new home versus your current one. Compare objective dimensions such as cost, convenience, and beauty, and concentrate on intangibles too: “Knowing myself, is this place likely to bring out the best in me?” ”With my interests and needs, would I be content living here?”
Be as clear-eyed as you can about your new home. If fleeing south to avoid the harsh northern winters seems so appealing, consider how you would cope during sweltering summer days. Visit for a week in August before you leap to pack up. If an apartment seems desirable because maintaining your house is so hard, think how it would be to lose the space, or the memories, or to pay rent each month. Balance realistically the joy of moving to be nearer your family with the pain of being parted from old friends. Be very cautious about moving for motivations like ‘ ‘watching the grandchildren grow up.” Your family may love you dearly, but their main life must be apart from you. Be reasonably confident that you will be able to make a satisfying new life apart from them in your new home.
Consider your future health. What would life be like here versus there if it becomes more of an effort to walk or drive? Your new home (ideally) should be within a few blocks of essential places – the bank, the drugstore, the grocery. Or transportation should be good and very close by. What physical barriers will you have to negotiate to get out of the house? Those stately steep steps and that lovely quality of being set back from the street might become nightmarish if they make you housebound because of a minor disability. In weighing the virtues of moving, keep accessibility and access to good health care in mind.
If your decision is to go, the research on life change offers some guidelines to planning the move.
Move during a peaceful time in your life. Minimize the risk of getting sick by not moving at a time when you are dealing with other major life changes. Don’t move to Florida the week you retire – wait a few months. Particularly if you are moving to a totally unfamiliar place, keep your agenda clear of simultaneous adjustments that will add to your stress.
Set up as much as possible of your new life beforehand. Lower the change value of the move itself by having a clear sense of how you will go about meeting new friends or spending your days. If possible, make several visits to your new community before you move permanently. If you want to buy a home or an apartment, try to rent first.
Give yourself six months to a year to settle in. Expect to feel out of sorts (or unhappy) the first few months after moving, before concluding that your decision was a mistake, understand that any major change is stressful. No matter how much People plan ahead, it takes time to settle in mentally. Finding yourself may be around the corner, even when the chance of ever being happy seems remote.
Moving to Florida was my wife’s idea. Raised in Europe, I tolerated an adulthood spent in New York City but felt out of sorts moving south fox what I thought would be a mindless retirement life. My prejudices were wrong. I found a job teaching at the local university – something I could never do in Europe or New York without a Ph.D. I am respected and known here in this smaller pond. And once I scratched the surface, those shallow-seeming Floridians proved to be interesting companions after all. But for almost the whole first year, I was planning my escape. I’m so glad I held on long enough to find out I really do like it here.
If you are unhappy with your current home and have the choice, it makes sense to lean toward moving, even if you are not sure things will work out. Taking a chance that has the potential to make life much better seems a fair risk. Even misplaced moves are not irrevocable. They are just easier or harder to undo, depending on how carefully you build in an escape hatch. So go, but with the idea that if a year has passed and you are still unhappy, you will think seriously about returning. Of the nine thousand older people who moved from Florida to New York in 1984, many were probably migrating back from their retirement homes. Granted, some may have been forced to return because of poor health; but others surely moved back voluntarily. They simply realized their original decision was wrong.
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GENERAL HEALTH
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Posted by admin on June 1st, 2010 :: Filed under General health

YOUR CHILD’S HEALTH CARE/BLOOD DISORDERS: PALLOR (PALENESS) AND THALASSAEMIA

PALLOR (PALENESS)

Pallor can be normal, or a sign of an underlying medical condition. Many children have a fair complexion and look pale, especially in the winter months. Most children look pale when they are unwell. Parents have the best idea of the health of their child. If your child is active, eating well, full of energy, and seems otherwise normal, it is most unlikely that his paleness indicates an underlying serious medical condition.

If, on the other hand, your child is pale and also appears tired, uninterested in eating or is otherwise unwell, you should consult your doctor. After a careful medical history and physical examination, he may order a blood test to see if your child is anaemic or has some other underlying condition.

THALASSAEMIA

Thalassaemia is an inherited disease where there is an abnormality of haemoglobin, that part of the red blood cell which carries oxygen around the body. It is seen much more frequently in certain ethnic groups, especially those from the Mediterranean countries and parts of East Asia.

In its severe form (Thalassaemia Major) the condition, if not treated, causes severe anaemia, growth retardation, and early death due to heart failure. Treatment consists of regular and frequent blood transfusions. In addition, a particular drug is given to mop up the excessive amounts of iron that are the result of the rapid destruction of the faulty red blood cells. With this treatment, children can live essentially normal lives.

There is also a mild form of thalassaemia (Thalassaemia Minor) which leads to a very mild anaemia but usually causes no symptoms at all. It is important for someone to know if they have Thalassaemia Minor: if they marry a partner with the same condition then there is a one in four chance that their children will be affected with Thalassaemia Major. Antenatal diagnosis is now available for this condition.

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Posted by admin on September 11th, 2009 :: Filed under General health

YOUR CHILD’S HEALTH CARE/BLOOD DISORDERS: LEUKAEMIA

While this is a very uncommon condition (affecting approximately 4 in 100,000 children under the age of 14 years), it is the commonest cancer in childhood. In years gone by, leukaemia was invariably fatal, but now well over half the children afflicted with this condition can expect to be cured.

Cause

The cause of leukaemia is still unknown, despite many years of intensive research all over the world.

Clinical features

The child may present with features of anaemia (pallor, fatigue), easy bruising, pain in the back or legs, or enlarged but painless lymph glands in his neck or other parts of his body. He may be generally unwell, with poor appetite and overall lethargy.

Investigations

A blood test is performed initially, and this establishes the diagnosis, but then a bone marrow aspiration always follows to confirm it. Often other tests are necessary, including X-rays and CT scans.

Treatment

The child is admitted to hospital immediately — this is invariably to one of the major paediatric teaching hospitals. Treatment is highly specialised and the exact regime depends on the type of leukaemia. It includes drugs to kill the leukaemia cells (chemotherapy), as well as other drugs and blood transfusions. Close follow-up is important and takes place according to a carefully designed protocol or plan.

When to see your doctor

Even if your child has any of the symptoms described above, it is unlikely that he has leukaemia. There are many more common and less serious causes of all of these symptoms. Nevertheless, you should consult your doctor if you are worried. He may order a simple blood test to put your mind at ease.

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Posted by admin on September 11th, 2009 :: Filed under General health

YOUR CHILD’S HEALTH CARE/BLOOD DISORDERS: BRUISING AND HAEMOPHILIA

BRUISING

Toddlers and school age children forever seem to have bruises, especially on the shins, as a result of their everyday activities. Their high energy levels and ceaseless activity mean that they often bump into things or fall over, thus bruising various parts of their body. Children with poor co-ordination may have more than their fair share of bruises. Bruises are usually just a normal part of childhood and are no cause for concern.

In very rare cases, bruising is due to an underlying blood disorder, such as a deficiency in the clotting mechanism. You may want to see a doctor if your child seems to bruise more readily than other children, or has bruises all over his body, or if you have a family history of blood disorders.

HAEMOPHILIA

This is an inherited bleeding disorder seen almost exclusively in boys. It is due to a deficiency of one of the substances in the blood (Factor VIII) which is essential for the clotting process. Boys affected with the condition usually present at an early age with bleeding (for example, recurrent nosebleeds which are difficult to stop) or easy and extensive bruising after seemingly trivial injuries.

Treatment of this condition is usually in a specialised unit. It involves the administration of Factor VIII after bleeding episodes. A child with haemophilia always needs to avoid contact sports.

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Posted by admin on September 11th, 2009 :: Filed under General health

YOUR CHILD’S HEALTH/BLOOD DISORDERS: ANAEMIA TREATMENT AND PREVENTION

The treatment of anaemia depends on its cause. If it is due to aplasia or haemolysis, then this is investigated and treated appropriately. Iron deficiency anaemia often requires iron tablets or medicines to be given by mouth, and, in rare cases, a blood transfusion. All children with iron deficiency need to be placed on a balanced diet with adequate iron intake. This usually means cutting down on milk and increasing the amount of iron-containing foods, such as spinach, meat, eggs and so on.

When to see your doctor

• if you suspect that your child may be anaemic because he is very pale;

• if your child is irritable yet lethargic and drinks large volumes of milk at the expense of solids;

• if you want additional information about what to feed your baby.

Prevention

Iron deficiency anaemia can mostly be prevented by making sure that your child has a balanced diet after the age of 6 months. Most health professionals now advise against giving babies cow’s milk earlier than 12 months of age. Your local maternal and child health nurse or doctor can give you specific information about nutritional intake.

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Posted by admin on September 11th, 2009 :: Filed under General health

YOUR CHILD’S HEALTH CARE: DEVELOPMENTAL MILESTONES

Although no two children follow exactly the same path in their development, when we consider the complexity of the developmental process, there is a remarkably consistent sequence followed by most children. In the first 5 years of life, your child progresses from a newborn baby who has relatively limited ways of communicating with you, to a child starting school who is capable of sophisticated functioning in several domains.

Parents like to follow the course of the child’s development, and to record the occasions when their child achieves certain milestones. You can record these dates and ages in the space provided in the table below.

Parents are often the first to detect signs of developmental delay, when the child is late in achieving milestones. The table below lists a number of developmental milestones and the average or range of ages at which most children achieve them. Remember that this is a guide only, and there is considerable variation in development between children. A child’s development is a dynamic process. You should not be alarmed if your child is slower in achieving these milestones. Equally, fast development may not indicate that your child is unusually gifted. However, if your child is consistently and significantly delayed in the age at which he reaches these milestones, then you should consult your doctor or maternal and child health nurse. He or she will check your child’s development, and refer him to a specialist if necessary. Parents usually know intuitively whether their child is doing well devel-opmentally or not. Do not hesitate to seek reassurance if you are at all concerned.

Remember that these ages are average ages, and that there are children who are faster and children who are slower developers. Just because your child is later in achieving milestones than outlined in the table above, it does not mean that he is developing abnormally. However, if he is later in a number of milestones and you are at all concerned, or if you are worried about your child’s hearing or language development at any age you should not hesitate to consult your doctor or maternal and child health nurse.

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Posted by admin on May 21st, 2009 :: Filed under General health

VITAMINS – CONCLUSION

It is necessary for the proper development of the red blood cells and nervous tissues.

A lack of Vitamin B12, because of degeneration of these special cells of the stomach, which produce the intrinsic factor, is the cause of pernicious anaemia.

This disease, called pernicious when it was first discovered because the anaemia does not respond to the intake of iron, is treated by giving Â12 by injection.

As a final summary, let me say that vitamins are essential to good health.

A normal balanced diet contains all these essential food factors. And therefore, the taking of extra vitamins does no good whatever.

However, in certain disease states where there is a poor absorption of foodstuffs, or where an inadequate intake occurs, such as with the poor, the elderly, the unprivileged, the artificially fed infant or the food faddists, supplements of vitamins may be necessary.

For the rest of us they are not of much use. They will not necessarily do what you expect them to do.

But if you avoid taking an excessive quantity of them, you probably will do yourself no harm.

I suppose that if you believe that something will do you good, then it just might be of benefit.

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Posted by admin on May 18th, 2009 :: Filed under General health

FEET – DESCRIPTION

Few give much attention to the feet until they start to play up but that probably applies to the rest of the body as well.

The foot has 26 bones, 19 muscles, 33 joints and over 100 ligaments.

It is a complex, strong, supple structure which supports us through life, yet we squeeze it into shoes which are too tight and designed by the whim of fashion rather than for comfort.

Management of problems of the feet mainly rests with the medical profession.

The general practitioner sees and deals with most problems, referring the more difficult, or those which require operation, to an orthopaedic surgeon.

In the past, chiropodists confined their practice to cutting toenails and paring corns and calluses.

They have now changed their name to podiatrists and have more training in all aspects of feet problems. Increasingly, people are going directly to podiatrists when feet start to ache.

Let us look at a few of the common foot problems.

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Posted by admin on May 15th, 2009 :: Filed under General health

CYSTITIS – SYMPTOMS

Most infections of the urinary tract in women are located in the bladder and urethra and, although they cause great discomfort, they are not serious, infection is more dangerous when it involves the kidney. Infection in the kidney has usually spread upwards from the bladder.

Although little girls and elderly women do suffer from bladder infection it is usually a problem of sexually active women.

Symptoms come on suddenly and involve discomfort in the lower abdomen, frequency in passing urine, and burning or scalding usually at the end of the stream. There may be precipitancy, the feeling that the urine is going to come away, and the desire to pass water again straight after the bladder is emptied. Occasionally there is incontinence, when control is lost, or there may be blood in the urine.

Fortunately, these symptoms may settle down without any treatment, or the old-fashioned trick of drinking barley water works, as does any treatment to make the urine alkaline in reaction.

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Posted by admin on May 15th, 2009 :: Filed under General health