Las relaciones sociales en personas en edad de jubilación.

Posted on by Maritza Osorio

Las relaciones sociales juegan un papel fundamental en la calidad de vida de las personas en edad de retiro. Mantener conexiones sociales puede ayudar a prevenir la soledad y el aislamiento, promover la salud mental y emocional, proporcionar apoyo afectivo y práctico, y fomentar un sentido de pertenencia y propósito. Las amistades, actividades en grupo, participación en organizaciones comunitarias, voluntariado y relaciones familiares son todas formas importantes de mantener y nutrir las relaciones sociales durante la jubilación. Además, las relaciones sociales pueden ayudar a las personas mayores a mantenerse activas, comprometidas y emocionalmente saludables durante esta etapa de la vida. 

Algunos ejemplos de actividades grupales que  fomentan las relaciones sociales entre las personas en edad de jubilación pueden ser:

1. Clubes de lectura: Reunirse regularmente para discutir libros y compartir ideas.
2. Clases de arte o artesanía: Pintura, cerámica, costura, tejido, entre otras actividades creativas.
3. Grupos de caminata o senderismo: Explorar la naturaleza en compañía de otros entusiastas del aire libre.
4. Clases de cocina: Aprender nuevas recetas y técnicas culinarias en un entorno social.
5. Clubes de juegos de mesa: Jugar juegos de mesa como ajedrez, scrabble, bridge, etc.
6. Grupos de música: Tocar instrumentos musicales en conjunto o participar en coros.
7. Voluntariado comunitario: Contribuir al bienestar de la comunidad a través de actividades de voluntariado en hospitales, refugios de animales, organizaciones sin fines de lucro, etc.
8. Grupos de ejercicio: Participar en clases de yoga, tai chi, baile, natación u otras actividades físicas adaptadas a las necesidades de los adultos mayores.
9. Clubes de viaje: Organizar excursiones y viajes grupales para explorar nuevos lugares y culturas.

?Te animas a realizar alguna actividad grupal de estas? Te espero en mi próxima publicación.

Fondos indexados y jubilación

Posted on by Maritza Osorio

Los fondos indexados son fondos de inversión que intentan replicar el rendimiento de un índice bursátil específico, como el S&P 500, en lugar de intentar superarlo activamente.

Un índice bursátil es una medida que representa el desempeño de un grupo de acciones en el mercado financiero. Por ejemplo, el S&P 500 es un índice que sigue el rendimiento de las 500 mayores empresas de Estados Unidos.

Ahora, un fondo indexado que sigue el S&P 500 compraría acciones de esas mismas 500 empresas en proporción a su peso en el índice. Esto permite a los inversores obtener rendimientos similares a los del mercado en general, sin necesidad de seleccionar acciones individuales.

Para planes de retiro, la elección de fondos indexados depende de varios factores, como la edad del inversor, su tolerancia al riesgo y su horizonte de tiempo hasta la jubilación. Sin embargo, hay algunos fondos indexados comunes que suelen ser adecuados para planes de retiro:

1. Fondos de índices de acciones de mercados desarrollados: Estos fondos proporcionan exposición a las principales economías del mundo y suelen ser menos volátiles que los mercados emergentes.

2. Fondos de índices de bonos: Estos fondos ofrecen ingresos estables y son menos volátiles que las acciones, lo que puede ayudar a reducir el riesgo en un portafolio de jubilación.

3. Fondos de índices de mercados emergentes: A pesar de ser más volátiles, los mercados emergentes pueden ofrecer un potencial de crecimiento a largo plazo, por lo que algunos inversores pueden optar por incluirlos en sus carteras de jubilación para diversificación.

4. Fondos de índices de dividendos: Estos fondos invierten en acciones de empresas que pagan dividendos consistentes, lo que puede proporcionar ingresos adicionales durante la jubilación.

Segun los expertos es importante diversificar la cartera y revisar regularmente la asignación de activos para asegurarse de que esté alineada con los objetivos de jubilación y la tolerancia al riesgo del inversor. Además, consultar con un asesor financiero puede proporcionar una perspectiva más personalizada y específica.

Hasta aquí mi publicación de hoy. Espero les haya gustado. Y los animo a buscar información sobre estos temas si están cerca de la edad de jubilación.

Planes de jubilación.

Posted on by Maritza Osorio

Cuando se  acerca la edad de jubilarte y no tienes fondos, empiezas a cuestionarte, como sobrevivir los próximos años. Sabemos que la seguridad social en cualquier país paga bien poco. Entonces no puedes depender de esa ayuda para subsistir porque no alcanza. ? Entonces que se puede hacer?

Una opción es empezar a ahorrar lo que puedas ahora, por pequeña que sea la cantidad. También podrías considerar hablar con un asesor financiero para explorar opciones como planes de jubilación o inversiones que puedan ayudarte a asegurar un futuro más estable.
?Que tipo de inversión puede hacer una persona sin fondos en edad de jubilacion?

Aunque no se tenga mucho dinero para invertir,  se puede considerar inversiones de bajo costo como fondos indexados o cuentas de jubilación individuales (IRA, por sus siglas en inglés) que permiten contribuciones pequeñas y crecerán con el tiempo. También se pueden  buscar oportunidades de inversión en habilidades o conocimientos, como iniciar un pequeño negocio o trabajar como consultor independiente. Lo importante es comenzar a construir un fondo para la jubilación, por pequeño que sea, y hacerlo crecer con el tiempo.

?Que tipo de negocio puede hacer una persona en edad de jubilacion?

Algunas ideas de negocios que se ajusten a los intereses, habilidades y recursos disponibles de cada quien pueden ser:

Algunas ideas incluyen:

Consultoría: Utilizar la experiencia y conocimientos en un campo específico para ofrecer servicios de consultoría a empresas o individuos.
Venta de productos artesanales: Si se tiene habilidades artísticas o artesanales, se puede vender las  creaciones en línea o en ferias locales.
Tutoría: Si se es experto en un área académica o se tienen  habilidades específicas, se pueden ofrecer servicios de tutoría a estudiantes de todas las edades.
Cuidado de mascotas: Ofrecer servicios de cuidado de mascotas, como pasear perros o cuidar de ellos mientras sus dueños están fuera de casa.
Servicios de jardinería o mantenimiento del hogar: Si disfrutas trabajando al aire libre o realizando tareas de mantenimiento, puedes ofrecer servicios de jardinería o mantenimiento del hogar a tus vecinos o la comunidad local.
Servicios de organización del hogar: Ayudar a otros a organizar sus espacios y simplificar sus vidas ofreciendo servicios de organización del hogar.
Servicios de traducción: Si eres bilingüe o multilingüe, puedes ofrecer servicios de traducción para empresas, agencias gubernamentales o individuos.
Cuidado de personas mayores: Proporcionar servicios de compañía y asistencia a personas mayores, como hacer recados, preparar comidas o simplemente pasar tiempo con ellos.
Venta de productos en línea: Iniciar un negocio de venta en línea, ya sea creando y vendiendo productos propios o revendiendo productos de otros fabricantes.
Servicios de reparación y mantenimiento de dispositivos electrónicos: Si tienes habilidades técnicas, ofrecer servicios de reparación y mantenimiento de dispositivos electrónicos como computadoras, teléfonos móviles o electrodomésticos.
Instrucción de actividades recreativas: Ofrecer clases o talleres en actividades recreativas como yoga, pintura, música o cocina.
Servicios de transporte local: Ofrecer servicios de transporte local a personas que necesiten ayuda para ir de compras, visitar el médico u otras actividades cotidianas.
Estas son  algunas ideas para que aproveches tu potencial y encuentres un espacio para generar ingresos una vez que te retires explorar y encontrar la que mejor se adapte a tus intereses y competencias.

Espero que esta publicación te haya gustado. Te invito a que sigas mi blog, para que explores temas que te despierten la curiosidad de leer y te ayuden a encontrar respuestas a tus preguntas. Sobre los fondos indexados escribiré próximamente pues no soy experta en el tema y a mi también me mueve la necesidad de prepararme para la juventud acumulada.

Assisted living facilities.

Posted on by Maritza Osorio

One of the topics that are discussed in families with older adults, and that constitute a real dilemma, is whether to place the elderly in a Home or not.

It is true that the best place for a relative of ours who is 80 years old or older, with neurodegenerative diseases such as Alzheimer’s or Parkinson’s, or with comorbidities such as Diabetes Mellitus, for example, is with their family, which can provide the emotional, emotional and economic support that they need. needs. However, in most cases, this does not happen because these relatives work and cannot take care of them, constituting a burden and a problem for society because the behavior of the elderly when it deviates from the normal, such as running away, causes a fire at home, accident, fall or other foreseeable accident that can only be prevented with the jealous care of personnel trained for this purpose who can be found in Assisted living facilities or homes services, in adult Daycare or in help services. In the home. In the previous post we talked about the figure of the Medicaid Alliance as a mediating institution to provide our family member with the long term care benefit.

One of the services provided to older adults through long term care are ALFs, which are residential facilities designed for seniors who need help with daily activities such as eating, dressing, or bathing, but who can still live independently. They offer personalized support services and medical care according to the individual needs of each resident.

These places offer food services, laundry, cleaning, personal care, bathing, recreational and social activities, medical services by having a primary doctor, specialists in Psychiatry, Dermatology, Physical Therapy, Podiatry, among others.

As a service worker who has been in one of these facilities, I can assure you that your family member can lead a normal and satisfactory life in these places depending on the quality and competence of the caregivers, who must have their in services updated annually, compliance with the rules and regulations in force for this type of institutions and the management of the functions of these facilities, such as, for example, the administration of medications, cleaning and feeding, fire emergency plans, health controls, among others.

Advice. If you are looking for a facility, you must investigate and do your own search, for the place that best suits the needs of your family member, look for references of people who have this service, of suppliers, visit the places, do an interview with the owner or administrator , with the caregivers and with the residents who are the beneficiaries of these services and can better guide you in your search.

 You can also access information about the prices of these facilities and for this I invite you to visit the following link

   

https://www.ncoa.org/adviser/local-care/assisted-living/costs/

In my next post I will talk about 41K

long term care

Posted on by Maritza Osorio

Long term care en USA

If you have a family member or friend who needs services due to their advanced age or disability, this post may be useful to you.

Long term care refers to long-term care for people who need ongoing help due to chronic illnesses, disabilities, or physical or cognitive impairment. It may include services such as nursing home care, home care, personal care, and specialized therapies. It is important for those who cannot care for themselves independently.

To qualify long term care, factors such as: The need for help with basic daily activities, the ability to live independently and financial situation. Specific requirements may vary by country, state, or healthcare provider.

If you live in the USA, you need to know that there are regulatory institutions for long term care: Below I present some of them:

Centers  for Medicare y Medicaid Services (CMS): This federal agency is responsible for regulating and overseeing the Medicare and Medicaid programs, which are two of the largest long-term care financing programs in the country. CMS establishes quality standards and regulations for health care providers.

Administration on Aging (AoA): This agency, part of the US Department of Health and Human Services, focuses on improving the quality of life and well-being of older adults. Through programs such as Senior Assistance (OAA), AoA provides funding and support at the state and local levels for a variety of services for seniors, including long-term care.

State Health Departments: State health departments also play an important role in regulating and overseeing long-term care services within their respective states. These departments may establish additional licensing, inspection, and quality requirements for health care providers.

You may wonder, who are the long term care service providers?

Among the main service providers for long term care in the USA are:

Nursing homes or skilled nursing centers, which offer personalized medical care and assistance to seniors who need long-term care including those with physical or cognitive disabilities are:.

Assisted living communities. Assisted Living Facilities

They offer housing and supportive services for older adults who need help with daily activities such as bathing, feeding, dressing, and taking medications, but still want to maintain some independence.

Home care services: Provide medical and non-medical care in the patient’s home, including assistance with housework, personal care, and specialized medical care.

Adult day care centers. They provide day care to seniors and people with disabilities, offering recreational activities, food services and personal care.

Intermediate Care Facilities Intermediate Care Facilities. They provide medical care andNursing to people with intellectual or developmental disabilities.

Tips for applying for long term care

Request the application for the patient from the Medicaid Alliance through a telephone number

Have on hand a summary of the illnesses and service needs of the older adult, because an immediate family member will be interviewed by telephone by this mediating institution; this interview may take more than a month.

Depending on the score the senior obtains, he or she qualifies for services or will be placed on a waiting list.

The primary doctor plays a very important role since he provides the diagnosis data and the clinical stage of the person who needs the services. They must correspond to the data that the family member has provided about the patient.

If your request is approved, the Alliance sends the case to the Department of Older Adults (AoA), they will do another interview and this time it will be the final one who will approve the long term care services.

Having patience and persevering in this difficult but not impossible undertaking is all that is needed to obtain these benefits that help family members balance their lives by knowing that their family member has the necessary support to face old age, disability and loneliness.

 I hope this post has been useful to you, especially because it provides information about regulatory institutions, service providers and some tips for obtaining long term care. I wrote about this subject because, walked this way once, and currently work for elderly people.

Life insurance

Posted on by Maritza Osorio

You’ve probably seen life insurance ads on television commercials, and you’ll wonder what they are about?

Life insurances are contracts in which the insurance company agrees to pay a sum of money to the designated beneficiary in the event of the death of the insured. Benefits for the policy owner and their family include providing financial security in difficult times, covering expenses such as debt, mortgages or education, and in some cases, accumulating cash value that can be withdrawn or borrowed during life.

Some companies in USA that sell life insurance are: New York Life, Northwestern Mutual, Metlife, Prudential Financial, and Mass Mutual.

The amount the beneficiary pays monthly, also known as the premium, is estimated primarily based on several factors, such as age, health, gender, lifestyle, and the amount of coverage desired.

Insurance companies use algorithms and rate tables based on current statistics and projections to determine premiums. The younger and healthier the insured is, the lower premiums they are likely to have, while factors such as smoking, having pre-existing medical conditions such as Diabetes Mellitus, Bronchial Asthma or Cancer, or requesting higher coverage can increase monthly premiums.

As a client, you have the right to ask questions of any financial advisor, or rather policy seller, who offers you the purchase of life insurance for a fixed monthly premium for life.

When economic and financial insecurity invades you due to the high costs of living and inflation, it is normal that you start looking for solutions and life insurance can be one of them, however I invite you to investigate the subject if you are interested, because I am not an expert in the field.

If you are interested in purchasing a life insurance policy, you may ask , for example, “How long does the coverage last?”, “What is the amount of coverage appropriate to your needs?”, What are the terms and conditions of the policy? What can happen if you want to cancel the policy? Does it cover serious illnesses or disabilities? Are there any exclusions or limitations I should be aware of? ? How will premiums be adjusted in the future? How is the claim process handled in the event of death?

As a conclusion to this post, I show you a financial product that can help you alleviate your financial problems, and like any decision it depends on the risk you are willing to take by purchasing a policy like this. I hope you had enjoy this post.

In my next post I will be talking about long term care. A term you may or may not know. If you live with an older adult, I urge you to investigate the issue.

Personal Finance

Posted on by Maritza Osorio

In this post I will be talking to you about personal finances

When we think about buying a house, saving for our retirement, for children’s education and even to manage family budgets more effectively, today requires knowledge of personal finances, so we must train ourselves to manage our finances and achieve financial independence.

Financial independence is a term that is heard and read on social media, television and radio. It is basically to ensure that passive income, which comes from investments, is greater than expenses, through a combination of savings, intelligent investment, investments in the stock market, real estate, creating your own business, generating income from the Internet among others.

In life we ​​go through different financial stages and our decisions and priorities depend on the position we are in.

  1. Accumulation phase Occurs when we are between 30 to 40 years before retirement, here we finance mortgages for homes, our children’s education, manage cash flow and save for our retirement
  2. Distribution phase. It starts with retirement, here you create a retirement strategy, it’s about reducing taxes, and maintaining the same standard of living.
  3. Preservation phase. Here we change the focus on investments and how to protect them to maintain income and this becomes a priority. It is also very important to try to reduce the impact of inflation.
  4. Transparency phase. It is the last stage of the retreat, here we begin to think about how to   transfer our assets to our children.

For this, it is essential to have planning of financial goals and for this one of the tools further Important is the budget, trying to ensure that expenses do not exceed 75% of and achieve savings of 10 to 25% of total income.

Some advices from books I reviewed

Save, train, purchase insurance that suits your family, home, health, etc. needs.

Invest in the financial market the surpluses that you accumulate or have saved in some low-risk investments or fixed income, if you are a new investor and want financial security.

If risk is not a problem for you, increase it through stocks, variable income papers, investments in investment funds such as portfolios composed of fixed income, variables in other currencies, and highly rated bonds.

Conclusion

In today’s post I have briefly explained aspects related to personal finances, a topic of great importance if you have not achieved financial freedom yet and if you are like me at the stage of thinking about retirement.

In my next post I will talk about life insurance.

Antioxidant power of red wine.

Posted on by Maritza Osorio

Resveratrol is a phenolic compound, present in the skin of grapes and not in their pulp, which is why its consumption in red wine can protect health since this metabolite constitutes a powerful antioxidant agent with anti-cancer and anti-inflammatory properties.

Red wine can play an important role in the prevention of cardiovascular and neurological diseases, type II diabetes mellitus and cancer. Resveratrol has been shown to modulate lipid metabolism and inhibit low-density lipoprotein oxidation and platelet aggregation. Additionally, as a phytoestrogen, resveratrol may provide cardiovascular protection.

 Clinical trials on its bioavailability and pharmacokinetics indicate that human consumption should be less than 1g/day daily.

 I recommend reading this articles that appears below this paragraph.

https://nyaspubs.onlinelibrary.wiley.com/doi/full/10.1111/j.1749-6632.2010.05853.x

The responsible and moderate consumption of red wine can protect our health due to the presence of resveratrol, which is a powerful antioxidant and anti-inflammatory agent, a psychologist recommended at a conference on limited mental health to drink a glass of wine daily, to avoid mental illnesses, like Alzheimer’s, of course this is accompanied by physical activity, a healthy diet such as the Mediterranean, and socializing, which adds the benefit of neurotransmitters such as serotonin.

However, it is necessary to insist that excessive consumption of wine, like any alcoholic beverage, brings disastrous results to health, such as chronic malnutrition, liver cirrhosis, dementia, among others, as well as the social problems it causes, such as car accidents, at home or in the workplace. public places, fights, divorces, paternal or maternal abandonment, hospital expenses for falls and fractures, and social invisibility, isolation and stigma.

I hope you liked this post, I’ll wait for you in a next publication where we will talk about some interesting topic.

madrid. 2024

Posted on by Maritza Osorio

The journey of my family and friends culminates in Madrid, in the middle of Holy Week, where they meet friends who invite them to share their space to talk and catch up after a long time without seeing each other.

 Madrid is the Capital of the State and Autonomous Community of the same name, it is a tourist destination that you cannot miss, it has emblematic places such as the Prado Museum, The Royal Palace, The Plaza Mayor, La Gran Vía street, The San Miguel Market , La Puerta del Sol, The Santiago Bernabéu stadium, home of Real Madrid, among others.

Madrid in the rain during Holy Week
Beautiful architecture
Modern building
Espeto sardines at “El Tinterillo de Malaga”
Friends forever
Boy buying chocolate

Parkinson dementia

Posted on by Maritza Osorio

After Alzheimer’s, this neurodegenerative disease is the second most frequent, it is characterized by the subject presenting memory deficit, decreased selective attention, and executive functions and 30 to 40% debut with dementia, it also affects verbal fluency, slowing of language generation, reading and writing deficit due to motor impairment, a slowing of thinking also occurs.

Symptoms

Among the neurological symptoms suffered by these patients are: tremors at rest, rigidity, bradykinesia, postural instability, festinating gait.

The symptoms of this disease in the autonomic nervous system are dysphagia, sweating, salivation, presenting a decrease in cognitive functions leads to dementia.

Causes

The explanation for Parkinson’s dementia has three explanations: the existence of lesions in the brain stem, substantia nigra and locus coeruleus, raphe nuclei and cholinergic neurons, another explanation is the presence of diffuse cortical and limbic pathology due to the presence of Lewy bodies. and finally, comorbidity with Alzheimer’s causes the symptoms to overlap, making it difficult to diagnose due to the presence of tau protein, a characteristic of Alzheimer’s.

From a neurological point of view, dopaminergic dysfunction causes cognitive impairment in these patients.

Sycosis

The psychotic symptoms of these patients vary from visual, auditory, gustatory or olfactory allusions to delusions. When these symptoms start early, they are associated with Lewy body dementia.

Importance of this post

The practical importance of this scientific information is that to coexist and help in daily life with these patients, one must know that all antiparkinsonian medications, whether dopamine agonists, levodopa, monoamine oxidase inhibitors, and anticholinergics, can cause hallucinations and psychosis, especially dopamine agonists.

Tips

If the patients are over 80 years of age, urinary infections must also be prevented by encouraging the patient to drink 2 liters of water daily, avoiding prolonged periods of time with diapers containing urine or feces, taking care when cleaning their genitals prevent anal bacteria from reaching the urethra, since they cause recurrent urinary infections that cause states of confusion and delirium, changes in mood and behavior, decrease in daily activities, incontinence and insomnia.

 I hope you liked this post, whether you are a caregiver or family member of someone who suffers from Parkinson’s in which dementia can be a consequence of it.