TEN THINGS TO OUTSOURCE WHEN YOU ARE OVER 75!
Posted: March 4, 2016 Filed under: AGING, COPING, geezerFinance, geezerLearns, Uncategorized | Tags: age, aging, driving, elder, elderly, falls, finance, geriatric, Kiss, lifespan, old age, old people, outsourcing, retirement, senior, senior citizen, seniors Leave a comment »
At 75, the geezer found a task he should outsource. –
Outsource is a business term whereby certain activities are contracted out to other businesses or individuals. The reason is that the task can be done cheaper, safer or better by another and it allows the outsourcer to focus on its primary task.
This can be applied to old age. At 75, due to physical and mental problems, it may be cheaper, better and safer to have certain tasks outsourced. It may even turn out to be life-saving if you decide to climb a ladder and clean the leaves out of the gutters instead of hiring it done.
At 75 you need to think about what you can outsource and what you can do yourself.
Ten things that you might consider outsourcing:
- Anything that requires a ladder, a stool or standing on the couch to fix.
- Driving
- Medical advice
- Paying bills – you can outsource with automatic payment plans, an accountant, or a kid.
- Legal advice
- Shopping
- Investing
- Charitable donations
- Repairs
- Care
The list is not complete. You should modify it according to your needs. Old people are stubborn. They think that they are more competent than they are. They think that they can still do things, that they can’t do. The result is that they frequently injure, kill or bankrupt themselves when with a little outsourcing they could continue to live happy, productive lives.
The most important part of outsourcing is KISS. (Keep it simple, stupid.)
THINK OLD!
TEN SIMPLE HEALTH TRICKS FOR GEEZERS!
Posted: March 2, 2016 Filed under: AGING, COPING, geezerHealth, Life Style | Tags: 10 things, age, aging, elder, elderly, geezer, geriatric, health, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »I read a lot about elder health. I get a lot of ads and a lot of advice. When I put it all together, I come up with about ten things that I should, and can, do. These are almost universally accepted, free and as near as I can tell, will do you no harm and probably a lot of good.
The amount of each of these that you do is up to you. Even a little bit helps. You can add to the list, but then it becomes cluttered.
How and when you do them is up to you.
The geezer has reduced 10 basic health tricks to a 3 x 5 card.
The whole idea is not to live longer, but to live better.
- Walk
- Sleep
- Drink water
- Drink wine, not too much
- Relax
- Have friends; be a friend
- Think outside the box
- Avoid processed foods
- No clutter
- Yoga
THINK OLD!
And watch as I attempt to reduce old age to a series of 3 x 5 cards.
SENIOR PROBLEMS: THE geezer’s DOZEN and THE MAGIC 7!
Posted: February 29, 2016 Filed under: AGING, COPING, geezerFinance, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »
Planning for problems!!
Life is a series of problems; and, problem solving. At 75 you are faced with a unique set of possible problems. These are problems which you might not have the time or the ability to solve after 75. You should be aware of them. You should plan for them; or, at least think about them.
Alzheimer’s is the worst. Not for the geezer. If he gets it, it slowly becomes someone else’s problem. The geezer really won’t care once he has gone beyond the initial stages. However, I can plan for it and for other problems. A more difficult problem is a spouse’s dementia. It defies logic; which says it all. It is not rational; and, is impossible to deal with.
The following is a list of twelve problems that I have found unique to a post-seventy-five life. These are problems that I worry about. The list is not complete, but is a base to work from. They could come at any time, but seem more unique to old age.
- Dementia/Alzheimer’s in a spouse
- Serious illness; you or your spouse
- Death of a spouse
- Elder scams and fraud
- Falls
- Blindness/deafness
- Loneliness/isolation
- Insecurity/fear
- Transportation
- Clutter and too many possessions
- Care – medical, home, companion
- Financial problems
- Transition to Alzheimer’s – The period from normal to “late stage” Alzheimer’s
ARE YOU READY?
The following magic 7 are essential:
- Advance Health Care Directive
- Automatic bill payment
- A mentor; or someone, preferably a kid, to keep an eye on you and advise you; with a Power of Attorney
- A living trust, if you have sufficient assets
- Experience with alternate transportation: buses, Uber, senior transportation systems, neighbors with cars.
- A social cohort; a group of people, about the same age, that you contact regularly
- Third party notifications on bank accounts, stock accounts, etc. when an unusual, or non-authorized event takes place.
THINK OLD!
CHARITABLE DONATIONS OR geezer’s SELF-SERVING REDUCTION OF CLUTTER AND TAXES?
Posted: February 23, 2016 Filed under: COPING, geezerFinance, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »Look around your house. You could almost be on one of the TV clutter shows. You trip over stuff that you haven’t seen, much less used, in the past 50 years. Most mechanical things you don’t even know how to use. And, where can you buy film for one of those old cameras; or get it developed?
I have switched to jeans, so have no use for all the stained, checkered pants with zippers that don’t work that I inherited from other old male relatives. The style is not coming back. And, how many three-piece suits that don’t fit do I need? And, of course, with cremation, there is no need for a suit to be buried in.
Your kids don’t want your stuff; and, you can’t even get your spouse to take it in the divorce. It keeps piling up.
Look at the bright side. You still pay taxes! If you pay taxes, you get deductions including charitable contributions, so….. Let’s donate the stuff.
Old cameras and cell phones to be donated.
You need to find a 501(c)(3) charity that accepts used goods. Your donation is tax deductible. My wife and I use St. John’s Thrift Store in Albuquerque or Assistance League. You can search the internet for a charity near you. You haul your stuff in, they take it, sort it, and sell it cheaply to support what they do. They give you a receipt that doesn’t list what you donated; that’s for you to fill out.
It is a win-win-win solution; some clutter is gone; you have done a good deed; someone gets to put your junk to good use; and, you can deduct the value of your donation from your taxes.
How do you value this stuff? Even though the non-profits can’t value it for you; and, you really don’t want to know what they think it is worth, there are on-line lists that will help you.
And, what does the IRS think about all this? No problem as long as you follow the rules.
It is easier than a yard sale; you won’t trip and fall over the stuff; and, you can reduce your taxes.
Try it; but, remember, you are not getting any younger. Donate while you can still drive to the thrift store.
WARNING! A thrift store is a dangerous place. I found a great denim jacket for $8 and several paperbacks for a quarter each. I was intrigued by a number of things I hadn’t seen for years. I may go back with my tax refund.
THINK OLD!
geezer TAPES THE DOCTOR!
Posted: October 7, 2015 Filed under: AGING, COPING, geezerHealth, medical, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »One of the problems old people have is that when they go to see the doctor, they can’t remember, or don’t understand, what s/he told them. Most doctors are not old, so they may not recognize that there is an old person in front of them. Even if they do, they won’t have a feel for what it is to be old.
At the end of the medical visit, ask the doctor if he would tell your smart phone what is wrong with you, what you need to do, and what the next step is. Also ask him if there is anything else you should be aware of.
This is simple. You already know how to take a photo of your grandkid. Just move from photo to video and press the button. It will record the doctor and what s/he says. You can then play this back. Don’t forget to turn the volume up. If you have a problem with this, practice with your grandkid. S/he will know how to work the smart phone.
You then have a diagnosis that you, or your kids, can listen to over and over. If the Doctor does not want to do this, get a new doctor.
You need to be clearly understand what is wrong with you and what you are supposed to do about it.
When you go to pick up your meds, ask the pharmacist what the medicine is for. While you are there, get a printout of all the medicines that you have taken in the last year. Ask the pharmacist if s/he sees any adverse reaction problems.