Divorce and the Elderly

The divorce rate has ballooned over the past few decades, with around 50% of all marriages today ending in divorce. The popular opinion of marriage has changed, and the social mores surrounding divorce have been significantly revised. No longer is divorce tantamount to social suicide. People no longer treat divorcees as if they were defective goods being returned to the store. Attitudes across the board, at all age groups, have changed, and we expect different things from marriage today than our parents and grandparents did.

That being said, divorce rates among the elderly are still very low. About 1% of all divorces involve people over the age of 65, with about 4% involving people between the ages of 50 and 64. To put this in perspective, nearly 25% of all divorces involve people between the ages of 25 and 29. More conservative perceptions of divorce are much more common in the elderly, after all. That being said, even though such divorces are still comparatively rare, the rates have gone up over the years.

The general consensus amongst experts is that divorce rates will remain low at the 65+ age group, regardless of cultural or societal opinions of divorce. The opinion is that marriages that have lasted that long have probably weathered the kinds of problems that would cause other people to get divorced. After all, if a couple has hung on together for that long, they’re probably not going to suddenly get a divorce. Though the number of elderly divorcees will rise (mostly because divorce rates across the board are up, and because people who got divorced younger will be less likely to remarry), the number of elderly divorces will not statistically increase much more. While there will not be a statistical increase in the number of divorces amongst the elderly, there will be an increase in the number of elderly divorcees.

All that is just statistics, though. Statistics merely show a general trend, and they don’t really apply to any individual marriage. Every marriage, after all, is different. The elderly today are fortunate to live in a society that is more accepting of divorce, and if your particular marriage is not a happy one, it’s worth considering your options for divorce. There is no reason that you should continue to live unhappily, if just for appearances. This is especially true for marriages in which the children are grown and gone.

If you are interested in learning more about divorce options, and divorce for the elderly, visit http://www.kleinattorneys.com

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Exercising for the Elderly

If we could stay young forever then the problems that surround exercising in your old age wouldn’t arise. Unfortunately that’s not the case, at least not yet, who knows what medical science will come up with in the future.

Keeping fit and healthy is the best thing we can do to prolong our life and make sure that our later years can still be our best years. As we get old our bodies respond differently to exercise, were less subtle, can get tired quicker and recovery from exercise can take longer. I’m sure that there are a lot of old people out there that can still enjoy many activities that would normally apply to younger generations, this could be something like snowboarding or bungee jumping.

If you look after your body and general health by having lots of quality exercise along with eating a well-balanced diet then I’m sure that you could still be doing some of these activities well into your old age. Remember you’re only as old as you feel, so if you still feel young then go ahead and take full advantage of these activities. There are a lot of people out there that have neglected their fitness and so this will longer for them to get to their peak fitness level. If you don’t quite feel up to a 20 mile run or want to take part in a heptathlon then there are lots of easier ways to reach a level of fitness where you can do those kinds of activities.

One of the easiest and most enjoyable activities surely has to be walking. If you go out for a short walk everyday then this is sure to help, your walk should ideally be at least 20 minutes and include at least one upward hill to get your blood pumping. There is also cycling, cycling is a great form of exercise and is less demanding on your joints. Cycling is a great way to explore our beautiful British countryside, further more you can see a hell of a lot more over a shorter period of time compared to walking. If you drive somewhere on a regular basis that is only a short drive, then help the environment, save money on petrol and get fit in the process by cycling instead.

Swimming has to be one of the best forms of exercise and is a great way to increase your general cardiovascular fitness. Swimming is relatively cheap to do or even free if you live by the coast or have a nice swim friendly lake that is nearby. One of the best things about swimming in your old age is that there isn’t any stress or strain to your joints as the water your swimming in supports every joint in your body. You may think I’ll start exercising tomorrow, though you could be saying the same thing in a years’ time, make your tomorrow today and get started now, you won’t regret it, plus your body will definitely appreciate it and you know that it makes perfect sense.

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How to Regain Trust after Cheating

Indeed upon discovering that you were unfaithful can cause quite an outrage in your relationship. In saying that you’re probably wanting to know how to regain trust after cheating so that you may begin to fix things with them.

No doubt this will affect your partner so don’t expect your partner to go about things as if everything’s normal. That’s where understanding the following tips for how to regain trust after cheating may prove to be quite useful.

The act of apologizing, although this might appear quite obvious, is one of the first things to be done for how to regain trust after cheating. Saying that you are sorry for both the affair and loss of trust you once may have shared should be made clear.

This signifys to them how sorry you are for betraying their trust, and that you’re intent on working at getting it back.

Step two on how to regain trust after cheating has to do with making it clear to them that you can accept all responsibility for the affair, while telling them how important they truly are in your life. And, be sure to state clearly to them that you will do whatever is required to start regaining their trust.

One of the most important things that must be done is for all interaction to be cut towards the other individual. This should really go without saying as there’s no way for them to believe any word you tell them if the other person remains a part of your life. One way to remove any likelihood of suspicion, it’ll pay to stay completely open.

For instance, whenever you decide on going out alone, tell them exactly where you’ll be, and what time you’ll be back. This also goes for working late. Be sure to tell them beforehand if this is going to be the case.

Reveal to them of any passwords you may have i.e – for your email, cell phone and be willing to share with them your credit card statements too.

While offering to cook extra meals, doing the washing or bringing home something nice for them may come across as being quite thoughtful, to prove that you really care about them can involve your understanding of theur feelings of hurt.

Understand that they will feel hurt and be sure to take it one step at a time with them.
Moving forward will likely come easier once they know that you realize how much this has hurt them.

Forgiveness is something that can often be regained in many cases through the form of some patience and understanding.

Even Young Professionals Need an Estate Plan


By Sabrina Winters, Charlotte, North Carolina estate planning attorney

As a North Carolina estate planning attorney, I know young professionals have a lot to think about…starting their careers, buying their first home, starting a family. All of these accomplishments are just the beginning of many bigger life events to come. So it is a rare day when someone in this generation wants to think about The End. But there are 4 reasons that they might need to…

Youth is often used as an excuse for putting off doing a will or trust. The thing is, that estate planning is not just about planning for your death; it also includes planning for yourself personally in the event you experience an incapacitating injury and are unable to make your own financial or medical decisions. While the odds are certainly in your favor that you will not need an estate plan (we are all invincible when we are young!), you should still consider these four scenarios…

 1. You need a plan in the event that you become disabled or incapacitated.

Unfortunately tragedies happen every day, many of which are out of our control. And you are not immune to them because you are young. Just turning on the local news will be evidence of that. If something happens to you and you are no longer able to make decisions regarding your own financial, legal, and medical affairs you will need to make sure that there are basic documents in place (such as a medical directive, power of attorney and HIPAA authorization) so someone can make life decisions for you.

2.  You need to pass your assets.

You might be asking, “What assets?” Even if you do not yet own your own home, you need to consider IRAs, retirement accounts and life insurance policies offered through your employer. You need to make sure that beneficiaries are named in the right way so that the people you want to leave them to get maximum benefit.

 3. You need to name guardians for your kids.

If you have children, you simply must name guardians. You should be the one who decides who will raise them if you are no longer around. You do not want this decision left to squabbling relatives or to a court system that doesn’t know you, your child or your family dynamic. You might be thinking that everyone in your family loves your children, that there

won’t be any problems. If they all love your children, they will all probably want to raise them, right? If they all want the same thing, this will have the potential of becoming a battle…do you want your children to be put through that after having lost their parents?

4. You need to plan for your pets.

If you have a pet, chances are they are a big part of your life. They are totally devoted to you and also totally dependent on you. Have you stopped to think what might happen to them if something were to happen to you? If you want to make sure your companion is cared for if the unexpected happens, you could choose to put together a plan for their continued care. The plan may include directions about feeding, medical care and other needs along with funds necessary to provide for your pet’s support and to compensate the caretaker. 

The scenarios above are just a few to consider when educating yourself on the importance of having a will or trust. I encourage you to talk with a Charlotte, North Carolina wills and trusts lawyer. Only then will you have the peace of mind of knowing that you are fully protected.

I am a Charlotte North Carolina Wills and Trusts attorney. We assist clients with Wills, Trusts, Tax Planning, Probate, and all other areas of Estate Planning.

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Protect Your Rights With Help From An Attorney

It is very likely that you are going to need a lawyer during some moment of your life. How, then, should you choose the right person for your needs? What should you expect once you choose a lawyer? In this article, we will give you information that will assist you in finding a good lawyer.

Lawyers that specialize in their fields are not cheap, but they may save you a lot of agony in the long run. It is always a good idea to do your research before you hire a lawyer to find one that you can afford.

You need to get a good lawyer immediately if you have been accused of a major crime. Be certain that you never attempt to handle the matter on your own, as this is very dangerous. From experience, attorneys know the best way to handle your situation.

TIP! While it may seem like hiring a lawyer that’s a specialist can be a waste of your money, it may not be after all is said and done. You’ll find that a regular lawyer will take more time than a specialist which costs you more in the long run.

Before beginning your research, seek the advice of the people you know. There could easily be a reputable and fair attorney that has helped one of your friends or family members in the past. This may be the best way to retain the right attorney, and it could save you a lot of time.

Ask business associates for a business attorney referral. Those companies who provide services to top legal players may help you find some good lawyers to consider. If you need a lawyer for your small business, talk to other small business owners who have run into the same issues. They will surely be able to tell you about a good lawyer.

Use only lawyers you feel are trustworthy. This is even more important if you’re dealing with business issues. Many of these lawyers ask for a retainer fee or a blank check; therefore, it is important to trust your attorney. The fate of your finances are literally in your lawyer’s hands in these cases. Try to keep yourself protected as much as possible.

You must let your lawyer know your communication expectations. Often an attorney will not contact their client for a long time after being hired. Make sure you establish a schedule soon so that you can prevent these sorts of problems.

TIP! If you don’t feel comfortable with a particular lawyer, keep looking for a better option. You also need to be comfortable with the fees they are charging you.

When choosing a lawyer, thoroughly research them. Check with your local bar association, and read online reviews of lawyers. These can help you decide whether or not a particular lawyer is someone you can trust. That brings a positive outcome.

You will be well-prepared if you know what to find in a good lawyer and if you understand what the attorney-client relationship can give you. You may feel overwhelmed with your legal issues. Hopefully after reading this article you can now choose a lawyer with confidence.

Heart Disease among the Elderly


Coronary heart disease is one of the most common causes of elderly death. It is understandable that when a person ages, the cardiovascular system go through changes as well. These expected changes can affect the general health of the elder people. There are several risk factors why elderly can develop the disease as they age. Lifestyle also plays an important role why they develop this fatal disease. 

Causes and risk factors 

Older people are prone to sickness because of their age and reduced immunity to fight disease. It is the reason why they are at high risk of developing heart disease as they age. When a person ages, changes in physical, mental, psychological and emotional aspects are inevitable. The risk factors for younger people to develop cardiovascular disease are the same with that of the elderly. Among the common risk factors include tobacco use, hypertension, hyperlipidemia, diabetes mellitus, physical inactivity, menopause, psychosocial stress, obesity, sleep apnea, family history among others. If one has an existing condition mentioned, the higher the chances of developing cardiovascular disease later in life. Gender is another factor and men are more at risk than women in suffering the disease. 

Symptoms and manifestations 

Symptoms and manifestations of the heart disease among elderly involve other signs of different ailments. Acute symptoms include lethargy and confusion. Being activity intolerant is also common. Older peoples tend to feel restless and overall fatigue which can also result in losing weight. The elderly will also experience difficulty in breathing or symptoms of stroke. Older people are also prone to silent heart attack which is common. There are unrecognized heart attacks that can be experienced by older people aging between 75 to 84 years old. Other common manifestations of cardiovascular disease include palpitation, breathlessness and giddiness. If symptoms become worse, it is recommended that you seek immediate medical attention in order not to put your life in jeopardy. 

Prevention and management


Lifestyle of the elderly plays an important role in order to prevent or manage heart disease. When a person gets old it is expected the lifestyle become sedentary. This result in a greater risk of developing the disease and because of old age, the immune system deteriorates making the condition more complicated. And one thing that would reverse this is for older people to engage in physical exercise which improves the cardiovascular system and lessen the risk of heart disease. 

It is important that you know how to manage the risk factors so that you will not put your heart to further risk. Engage in an exercise program suitable for your age and condition. You can also join yoga classes as a holistic approach in maintaining good health. If you already have this heart condition, you need to regularly take your medication and seek doctor’s advice on how to effectively manage the disease. You need to look after your diet and as much as possible eat healthy foods which are good for the heart. Make a deliberate effort to quit your unhealthy habits like smoking and drinking alcohol if you want to take care of your heart.

Learn more about heart diseases at http://www.cme-internalmedicine.com/

Seek Bankruptcy Advice Early

San Jose bankruptcy lawyers are doing everything that they can in order to ensure a smooth bankruptcy process for their clients. If you seek the advice of these San Jose bankruptcy lawyers when it comes to the preparation phase then the subsequent weeks and months are likely to run more smoothly and your entire bankruptcy claim could potentially be discharged in only a few months time. One of the things that most San Jose bankruptcy lawyers will require is that their clients gather mounds of paperwork. This will be pertinent in evaluating the true nature and status of the financial situation. This paperwork can include, but is certainly not limited to, a recent copy of your credit report, copies of your credit card statements or other creditor information, bank statements, and a few years of your previous tax return documentation. All of this information, if not readily available, can take time to request and receive. You will want to be cognizant of any deadlines or timeframes that are applicable to you.

Once you have actually paid the retainer fee for you attorney, then you can begin to advise your creditors to direct their collection efforts to your attorney. Telephone calls and letters can be rerouted to your attorney’s office. You will need to provide your creditor with your attorney’s contact information like his or her name, mailing address, and telephone number. They may also ask you for the date that you retained their services. With this information, creditors can then contact your bankruptcy lawyer to confirm that you have retained their services and also to verify that their specific account will be included in the bankruptcy. Sometimes a creditor may be unintentionally left out of a bankruptcy filing. If there are a lot of creditors, then one can easily slip through the cracks. If this mistake is caught in a timely manner then it can be rectified in the appropriate manner.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from www.legalhelpers.com. Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.


Whilst talking to my sister last night we got onto the subject of making a will and the best way to go about it. We were discussing whether it was better to have one made at the solicitor’s office or to get one of the homemade varieties done. Both have negatives and positives attached to them and it really is a matter of personal choice for each individual or couple.

Getting a professional will made is the path that most people take and this has a couple of advantages. Firstly, somebody else deals with all the legalities and hassle of drawing up the will, getting it signed and keeping it updated. Secondly, it is harder to contest a will made by a solicitor and in many people’s minds it is more legally binding, and thirdly there will always be copies available at your solicitor’s office. The only problem is that these services often come with a hefty price tag as well as having to find the time to actually go and get it done. Also some people distrust solicitors and avoid having to deal with them whenever they can.

These days it is possible to pick up a free will making kit at your local post office and providing that you follow the instructions properly, it is a legally binding document. Apart from being free of cost, this also means that you can change your will whenever you wish to without having to go and see your solicitor of pay a consultation fee. The problem is that you need to make sure that you keep it save and updated and let someone know where to find it in the event of your death, since it will be the only copy available. Also many people will need convincing that it is a legally binding testament of your wishes.

The thing that made me laugh was the story that my sister told me, regarding an old woman that she knows, who changes her will every week! Apparently this woman goes to the post office each week and along with her pension, collects a new will making kit and fills in the details each week with new items and different beneficiaries.

In the latest version she changed her mind about whom to leave her treasured Hungarian goose down duvet and Hungarian goose down pillows to. These will now go to her oldest daughter while her younger one will get her Siberian goose down duvet and no pillows. Her middle child recently upset her and so he will be getting the cheap memory foam mattress which she picked up at a local bed linen sale and which she has every intention making sure that she dies on! We are all waiting to see what she will decide on changing next week, with her son fervently trying to make his peace so that he gets a better deal and has something with happier memories attached to it. I will keep you informed!

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Nonqualified Real Estate Retirement Plans

If you’re in the field of commercial property management, you might own an apartment building or two. You might have a retirement plan separate from your investment, and it is probably a qualified retirement plan.

Qualified retirement plans are the IRS’s answer to the people’s complaints. The employer contributes to the retirement plan now and the employee pays taxes now, or the employer contributes to the plan at some later date and the employee pays taxes at some later date; this is how it was previously. The IRS then came out with qualified retirement plans which allow the employer to contribute to the plan now, but the employee can delay paying taxes until some future date.

In exchange for these generous tax rules, the IRS imposes strict restrictions. Certain nondiscriminatory rules must be followed as well as a number of other rules. All in all, these rules end up being very restrictive, effectively “sanitizing” the plan; they make the plan not really that good, but not really that bad either.

Non-qualified plans are often more generous but are subject to more strict tax rules, but not always. Non-qualified plans are a broad category. Essentially, they are not a category, they are simply everything other than qualified plans.

Now, let’s make our own non-qualified plan. We’re looking for four main things:
– Liquidity
– Tax advantageous
– Safety
– Adequate rate of return

Liquidity is important because you may need to access your funds in time of great financial danger. Although Douglas R. Andrew touts this as a critical factor in his book Missed Fortune 101, we tend to side with the idea that liquidity, or marketability, is second in importance to the other three factors. We assume that anyone who will be investing will already have saved up emergency funds and has access to enough emergency credit to get by in event of an emergency.

Tax advantageous is obviously important because you want to keep as much money as possible.

Safety, again, is obviously important, because you don’t want to lose your money. The risk-reward curve is garbage. If an investment isn’t safe, then it isn’t an investment. It’s a gamble.

Adequate rate of return is arguably the most important. Without a good rate of return, what’s the point of investing? The goal is to make more money, isn’t it?

So, with this in mind, we are going to take the equity in our home, and put it in a universal life insurance policy all at once. This procedure must carefully be examined; you have to find a universal life policy with a good track record and who’s fees added to the home equity loan payment are less than the percentage usually made on that life insurance policy. Most policies will pay you far more than this. So, what you can do is take out loans on the policy, but only in the amount that the policy can afford. Since universal life often has a minimum guaranteed earnings credit (usually one percent), your money is safe, going to get a good rate of return, tax advantaged, and liquid. How does a qualified plan sound now?

Cody Scholberg is an expert author on real estate investment and commercial property management and writes at commercial property management guide.

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What an Elder Care Specialist Does

Probably this time you have already heard of an elder care specialist.  But do you really know what this professional does and how can he or she help you?  Let us get to know who this skilled person is and what his or her job description is.


Some call them senior care specialists, geriatric care managers, or geriatric experts.  Whatever you wish to address them, these trained professionals specialize in elder care particularly for those aged 65 years old and above.  The health care system can be quite complex but having a specialist guide you through its webs, you can be sure that you can make the right decisions when it comes to your health needs or your loved ones care needs.


With the wide variety of diseases and conditions, each of them requires a particular set of medications and treatments.  A senior care expert can tell you what type of doctor to consult for a certain medical condition.  This can help you avoid wasting time in consulting the wrong doctor.  Additionally, these experts also know the doctors and health care professionals who really specialize in your illness or condition.


As these geriatric care managers are certified and trained, you can have the confidence in following their advices and recommendations when it comes to senior care.


Who is the Elder Care Specialist?


Among the choices for senior care managers are the geriatricians.  They are medical doctors who specialized in clinical care for elders.  They may be general practitioners or internal medicine doctors who had special training in geriatrics.  With their assistance, elders can prevent and treat diseases and avoid disabilities.


Geriatricians are concern not just with a senior’s certain medical issue.  An elder’s overall quality of life is also important for them.  This can lead them customized an appropriate plan of geriatric care.  They will also look into the daily activities of the seniors and see how those can impact on the senior’s health and well-being.  Additionally, these professionals will work with nurses, psychiatrists, therapists, and other health care professionals concerned to ensure that the patient will get the proper type of care.


Additionally, gerontologists can also be of big assistance.  These experts concern is on the aging process itself.  They look into the physical, mental, and social changes in people as they age and what these changes could bear on the senior’s health.  They also examine the connection between normal ageing and age-related disease.


Another, your primary care physician can also perform the role of a senior care specialist.  They can help you identify possible conditions through early diagnosis.  Their advice will guide you in finding the right specialists. You wouldn’t want to waste time and money seeing numerous specialists.  Most of the time, elders do not really need to immediately see a specialist, a PCP can sometimes be enough already. Moreover, the geriatric care manager can coordinate the type of care you require.


Having an elder care specialist guide you or your loved one can make things quicker and easier.  You can avoid wasting time and money in consulting professionals or in taking medications or going treatments you do not need if you have someone who knows the twists and turns in senior care.



Visit SeniorWealthClub.com now to find the perfect elder care specialist for your loved one!

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