Visualization Exercise for Seniors

Visualization Exercise for Seniors


Visualization is a technique of creating images with the help of your “inner eye” and filling these images with a sense of reality. Everything that surrounds you — the house, the clothes, the books you read, and the films you watch are the direct result of visualization. You imagine what you want, and give this image a physical form. The art of visualization is easy to learn, it can be used to relax, heal and create the image of your life – the way you would like it to be. There is a difference between visions and visualization. During visions, you do not have the belief that these images can become reality. When visualizing, your mind is absolutely focused. Pictures created by consciousness are clear and filled with concrete details.

  1. Sit quietly for a few minutes. Breathe deeply and slowly, inhale and exhale until you feel the tension leaving you. With each breath, you will feel more and more relaxed and calm.


  1. Now imagine that you are sitting on a warm, deserted beach. The sun is right over your head, and the sea is gently washing the sand at your feet. You hear birds singing in the sky and see yachts far into the sea, driven by a light, warm breeze. Small and beautiful shells are scattered across the sand around you.


  1. You are alone and absolutely calm – you left all your anxieties, worries and stress behind. Imagine that you are on a vacation and you are exactly where you always wanted to go. Let the sense of calm and relaxation “wash” you. Feel that you are safe and you have absolutely nothing to fear.


  1. If at the moment you are worried about something, imagine that you “packed” this problem in a suitcase and put it on one of those yachts that are far away in the sea. Imagine that the yacht “takes away” your problem, disappearing over the horizon and from your sight.


  1. Now take three deep breaths, and relax. This will help your mind to return to the body. Then, when you feel ready, slowly open your eyes. Sit for a few more minutes while getting used to an incomparable feeling of complete relaxation.

The Humana Health Insurance 2020 primarily help you in covering out of pocket costs that are not included in Original Medicare.

Consider storing your finances in form of valuable materials and stand a chance to gain from it

Consider storing your finances in form of valuable materials and stand a chance to gain from it

Sometimes, we may not trust the fact that someone can actually earn from converting his retirement finances into precious metals such as gold and other valuables. Yes, fear are normal but there are a number of solid reasons why valuables such as gold can be a good source of profit in the next few years after your retirement. In this article, we will have a look at why seniors need not to fear to invest in precious metals such as gold and to get Health Insurance 2020 and the reasons are many but here are some of them.

Precious metals are consistent in terms of gains

As soon as you receive your retirement benefits, the first thing that you need to do is subdivide them and decide on what amount will be stored in fixed account. As soon as you do that, consider converting your finances into precious metals such as gold and then ask the bank to keep them in your safe box for a year or until the prices of such metals are attractive enough for you to want to sell them or convert them back into legal currencies with an extra profit gained from such a conversion. This is what most people in the past generations did.

Precious metals are safe for fixed storage as compared to currencies

Our banks are categorized into money sections and precious element section. In most cases, the place where precious metals and other valuables are kept are laced with high end security features. On the other hand, the money section is open to bank robbers and this might mean that your finances will be prone to such perils. However, this does not mean that you shy away from banks but, since you are storing your finances for a longer period of time, it is very important to convert them into precious metals if you wish to do so.

Precious metals saves you from the temptations to withdraw your finances unnecessarily

It is very important to be aware of the fact that you may not have access to the precious metals you have stored with the bank. This is basically because you cannot just withdraw them anyhow but it requires you to give a notice and follow the procedure put in place. This bars you from withdrawing finances anyhow.

Issue or urinary incontinence and prevention for the people above 65 years of age

Issue or urinary incontinence and prevention for the people above 65 years of age

What is urinary incontinence?

Urinary incontinence is an involuntary loss of urine that causes some type of discomfort to the person. We should not think that incontinence is exclusively a problem of the urinary system, but it can be related to different organs or systems of the elderly: nervous apparatus, genital apparatus, locomotor system, etc. There is no doubt that aging causes changes in the body (urinary system, prostate, vagina, pelvic floor muscles, nervous system …), so if you need support consider Short Term Health Insurance 2020 so changes that favor the older person is more likely to suffer incontinence.

How many older people does it affect?

Urinary incontinence affects around 20% -25% of people over 65, with prevalences of 15% among those who live in homes and are healthy, between 30% and 35% in hospitalized elderly people, about 50% in “frail” elderly people living in their homes and between 43% and 77% in people living in residences.

It is more frequent in women. Urinary incontinence increases with age, and the same happens with its severity (frequency and volume)

Through appropriate treatments, it is possible to reduce the degree of urinary incontinence in a percentage of 30% – 40%

The treatment should follow the following order:

  • Changes in lifestyle and hygiene and dietary measures.
  • Programs for rehabilitation of the pelvic floor muscles and behavior training.
  • Treatment with drugs.
  • Specialized treatments.

Physical space:

Adequate environment (privacy, easy access to the toilet, avoid hazards and architectural barriers, have good lighting, grabs or handles if necessary).

Direct care:

Explain, inform and convey the idea that one can improve the problem, or at least learn to live with it.

Promote self-image and self-esteem.

Older people should wear comfortable and easy to put on and take off street clothes: zippers or velcro are preferable to buttons for being easier to open and close.

Encourage social relationships (outings and walks).

Promote and teach personal hygiene, encouraging the person to try to urinate, have wishes or not, every 1.5 or 2 hours to be most of the time with an empty bladder and avoid leaks.

  • The older people should use temporary/permanent (or night) diaper.
  • A balanced diet and abundant in vegetable fiber (prevention of fecal impaction).
  • Maintain the proper weight and exercise regularly should be followed by the person who is above 65 years of age.
  • Avoid diets with spicy and/or irritating drinks (coffee, alcohol).

Seek for a Respectable Insurance Agent

Seek for a Respectable Insurance Agent

If Medicare is new to you or registered for Medicare and your health insurance plan from your employer is terminated, you can use a Medicare Advantage plan or request a Medicare supplement plan. Before doing this, you must, however, find a trusted agent who knows all types of Medicare plans. An agent able to assess your situation and inform you about the different options in your plan is better than an agent who simply tries to get involved in a plan to earn a commission. And no delivery service after the sale has been made. Agents or brokers obtain renewal fees for Affordable Health Insurance 2020Medicare policies, which could take many years to come. You must maintain contact and be present or ask for assistance with questions.

The next track can be utilized to locate a trustworthy agent

  1. Acknowledge when an agent is violating the rules. There are certain health insurance plans that have rigid marketing procedures. Agents cannot call you without your consent, do not go home or contact you in public places and apply for a Medicare Advantage plan.

Also, look for telemarketing operators who identify themselves as research participants and who are interested in the type of Medicare plan they have enrolled in. Generally, it is just a form of cold call masquerading.

  1. Understand the difference between a broker and a linked or independent agent. Some agents only represent an insurance company; they are prisoners. Independent agents and brokers can represent several companies and, in some cases, dozens.

Although an internal agent performs a needs analysis, he may not have many products to show to you and only shows what he thinks is the best of his limited portfolio. If you want most planning options, consult an agent or an independent agent.

  1. In what place can I find an agent? Now, if you don’t have an agent or your health insurance company has no Medicare Advantage plans or Medicare supplement insurance, you need to look for a trustworthy agent.

There are 2 options available: look for a local agent or online. To find an agent locally, first consult your broker or current agents (health, life, owner, car, homeowner) to route it. If you do not provide health insurance plans, you probably know someone who has. You can also contact the local aging office. I am a good source of information if you are new to Medicare and have questions or are looking for an agent. If you are more interested in your online search, look for a broker that represents several companies. Ask about the sale after the service and you do not have to fill out any form until you are well with the recommended Medicare plan. Finding a broker and scheduling online can end the conflict with an agent, but a local agent may be more available if there is a problem after the sale. When you start in Medicare, follow these steps to get the necessary answers and choose among several plans. Either way you go there; With a supplement or a Medicare Advantage plan, it is comforting to have a person with you who has many options for you.

Peppermint Oil Benefits for Seniors

Peppermint Oil Benefits for Seniors

For centuries, peppermint oil has been used as a tonic, and its freshness now imparts a unique taste, for example, to tooth creams and mouthwash. Peppermint is also a powerful stimulator of digestion, it helps to get rid of excess fat and strengthens the protective functions of the liver. These properties make peppermint oil very useful in the treatment of indigestion, gastritis, and diarrhea in older adults.

Active ingredients of peppermint oil:

One of the main components of peppermint oil is menthol. Being a form of alcohol, it is responsible for stimulating and toning properties. However, it can cause skin rashes and allergies, so seniors must be careful while using it.


Ketone makes up about 20-30% of peppermint oil and has therapeutic properties that help to cope with pain.


Peppermint Oil also contains esters, such as, for example, methyl acetate. Thanks to them, it has anti-inflammatory and soothing properties.

Benefits for seniors:

Relief from digestive problems:

Use the digestive and antiseptic properties of mint to combat the most common digestive problems.

To get rid of constipation, mix 3 drops of peppermint oil with 5 drops of lemon oil, 7 drops of rosemary oil and 25 ml of grapeseed oil. Gently massage the abdomen every few hours in a clockwise direction.

For heartburn issues, mix a drop of mint oil and a teaspoon of honey, dissolve in a cup of hot water. Mix it all up and drink it in small sips.

For diarrhea, make an aromatic compress. Add 5 drops of peppermint, ginger and oregano oil to the hot water, soak a napkin or towel in the solution, squeeze and apply to the stomach.

As a cold remedy:

Add 2 drops of mint, rosemary and lavender oil to the boiling water. Cover your head with a towel and inhale for 5 minutes.

For the common cold, spray a mixture of a few drops of peppermint, pine and eucalyptus oils in a room.

To revive tired legs:

Mix 3 drops of mint, rosemary, and lavender with 25 ml of grapeseed oil for a tonic massage. Strong, fast movements will help speed blood circulation.

To prepare your own antiseptic powder to treat foot fungus, add 5 drops of lavender and 3 drops of mint to 2 tablespoons of unrefined talcum powder.

Elderly who’s over 65 & residing in USA can apply for Health Insurance 2020 on the site so as to cover coinsurance and deductible.

Benefits of Medicare Supplement Plan A

Benefits of Medicare Supplement Plan A

During your examination of Medicare supplement plans and the comparison of benefits and characteristics, it may be alluring to select the plan that has the most alternatives and take your decision based on it. For some people, this could work; but it may not work financially for others. Supplementary plan A is one of the plans that provides the minimum benefits and is also one of the least expensive. If you are healthy and have a Health Reimbursement Account (HRA) or are already signed up to a plan sponsored by your employer, you can meet your needs in a friendly way. The funds distributed by Medicare plans are based on a “benefit period.” This “benefit period” generally lasts for a period of one year and the unused benefits will not be rolled over from one year to the next.

Many people who pay for the most expensive plans that have a long list of benefits never use everything they are paying. Medicare A supplemental plan secures the benefits of hospital services provided by Medicare Part A and selects the medical services and franchises insured by Part B. To ensure gaps in insurance in Part A, hospice care, hospitalization, hospital care in a qualified nursing facility, receive adequate care.

Beneficiaries of state health care who need hospitalization are entitled to general nursing care, intensive care, a council, a semi-private room and a variety of extra services and supplies. Medicare guarantees everyone, except US $1,068 of the cost in the first 60 days. The beneficiaries are obligated to pay that balance out of their own pocket.

However, during days 61 through 90, although Medicare guarantees everyone, except the payment of US $ 267 per day, you will not pay anything if you have Supplemental Plan A. The same applies to days from 91 to 365 days. Supplemental insurance insures the daily costs that Medicare does not cover. There are certain health care requirements that you must meet to be insured in a qualified care facility. Any treatment that is clinically necessary as an inpatient or outpatient will also be insured in some areas of Medicare A Plan; Medicare will pay about 80% of these costs. Additional plan A will guarantee the rest.

All benefit periods are also insured for the first 3 pints of blood needed. If you are in good health and have other health care alternatives, you may need to consider enrolling in Plan A. As it is, it is cheap; and in case of unexpected problems, it will help to guarantee hospitalization costs. This can give you peace of mind, knowing that if a disease or catastrophic accident occurs, it will not be financially devastating. Of all the Medigap plans, Medigap Plan A offers the simplest insurance. However, it will guarantee 20% that Medicare does not pay for outpatient treatment. This is probably the most important part of all Medigap plans. All Medicare insurance companies must offer Plan A. In some states, however, companies are not required to offer this plan to people under 65 with Medicare disability.

Advantage Plans Offer a Brief Open Enrollment

Advantage Plans Offer a Brief Open Enrollment

A Medicare Advantage plan is another way to obtain the benefits of Medicare. Medicare Advantage plans replace the original benefits of Medicare Part A and B through a private insurance company. To be competitive, most Advantage plans add additional coverage. For example, many help with hearing aids, glasses, dental services and prescribed medications, while Medicare does not, with one exception. It leads to the development of cataracts. Affordable premium is one biggest selling point behind the growth of Medicare Advantage enrollment. In some areas, there are available plans which cost nothing, exceeding the Medicare Part B premiums. A big draw is that the Medicare Advantage Plans insures all health problems in addition to end-stage renal disease (ESRD).

However, there are some things you need to know before enrolling for these plans. Many plans cover only non-emergent care through their own list of hospitals and physicians. Because Medicare Advantage plans replace Medicare coverage, you do not need to have Medicare coverage if you need an out-of-network doctor. Each of the Medicare Advantage policies sets its own rules, but everyone must stick to Medicare’s policies. All Advantage plans must provide coverage equal to or better than Medicare. To make sure you are able to get the necessary medical care, check the list of doctors and what prescriptions a plan will pay before you enroll. It is rare for health insurance companies to offer evaluation periods, but that is exactly what you can do with many varied Medicare Advantage plans. Register before December 15 and, if you change your mind, you can switch to Medicare between January 1 and February 14 of the following year.

There is a special period of “experimentation” that Medicare Advantage plans have. This is really the time to try one of the Medicare Advantage (MA) plans after the first enrollment phase, when you were qualified for Medicare. This is an event that occurs once a year, where you can evaluate the type of MA plan that you receive from the approximately ten insurers and insurance companies that you chose. If you miss this opportunity you may end up paying more and getting less coverage than expected. Depending on where you live, you may find a broader option among MA plans than Medigap insurance plans. Unless you live in Wisconsin, Massachusetts or Minnesota, there are only 10 options for Medigap plans. The mentioned states have their own version of the Medigap plans.

This year, open enrollment was delayed to an earlier date so that it is done well before the end of the year. The beneficiaries will now be informed that their benefits will begin on January 1. From October 15 to December 7, Medicare beneficiaries can enroll in a Medicare Advantage plan from a private health insurance company, but it is best to seek a plan as quickly as possible. MA plans are not widely available, but in the urban environment there may be a range of options. There are reports that more than 24 different plans are available at specific locations.

How should you prepare for your retirement?

How should you prepare for your retirement?

Are you just about to retire from your professional life? You have exhausted yourself till date to support  your family, and once, you are on the verge of the retired life, you deserve the  best for everything that comes to you in the course of time. However, things will g in this way, only if you are taking a good preparation for your retired life. Unless you do that, it is not possible that you can lead an enjoyable and pleasant life, after the age of 65 years or more. So, what are the key areas that demand your attention in this regard? Paragraphs underneath shall discuss the key points that can be accounted in this context.

You must not have any major personal responsibilities or liabilities left to perform

Life after 65 is a phase, when there should not be any major responsibilities and liabilities left to be performed. This phase in life is meant to be spent in happiness, enjoyment and pleasure. So, standing just on the verge of retirement consider 2019 medicare advantage plans or even after your retirement from job or business, if you have a few responsibilities to be performed yet, you will not be able to enjoy the retired life.

You should have a solid retirement plan, even before you retire

Planning is inevitable important across all phases in life and this holds true for the retired life as well. How you are going to meet your expenses at the retired life? What will be your tentative monthly budget? What are the activities that you aspire to accomplish after retirement? You should have all these plans ready, before getting your retirement, and, you should try to stick to the plans to the extent possible.  Please don’t assume that the life after retirement is to be spent unplanned and take things just as it comes. So fare retirement planning is concerned, please give an equal importance to the financial as well as non-financial aspects. Ideally, you should always try to keep a good balance between these perspectives to make life after 65, all the more enjoyable.Most importantly, you should keep yourself focused and motivated, all though your retired life. If your  health allows, you can even think of getting into some part time jobs, or starting a new business, or you can even invest time in learning new things. Are about yourself,  pamper your self-confidence and esteem to make life after 65 years, all the more vibrant and agile.

Tips for Older Women to Lead a Healthy Lifestyle

Tips for Older Women to Lead a Healthy Lifestyle


If a woman wants to lead a healthy lifestyle after the age of 60, she should completely stop smoking and follow the following rules:


  1. Try to keep your weight normal. If extra pounds are still there, you need to gradually get rid of them, since strict diets may lead to serious side effects in older women.


  1. Try to increase your movements. You can sign up for a fitness program, go for a walk in the park with your pet or find an activity that is associated with being outdoors.


  1. Completely give up alcohol. If this is not possible, you should choose only high-quality products and limit your daily intake.


  1. Avoid overworking. Despite the fact that an elderly woman over 60 needs to lead an active lifestyle, excessive exercise is unacceptable. In addition, you should avoid carrying heavy objects, and you should also give up some work in the garden.


  1. It is necessary to follow the treatment which you might be undergoing and take the required amount of sleep. Besides, activities like meditation and yoga can reduce your day to day stress levels to a great extent.


  1. Be sure to follow a nutritious diet in accordance with the needs of your body at this age. It is necessary to exclude fatty, spicy, as well as salty foods. In addition, should not overeat at any cost. The food you eat must contain all the necessary substances and should be easy to digest.


  1. When going outside you need to be careful, especially in winter. It is better to exclude walks in the ice or use a cane.


Easy to Follow Tips to Reduce Stress in Seniors:


As for stress, as well as psychological overload, they do not benefit at any age. However, if we talk about women who’re above the age of 50, it is very important to remain calm, optimistic and cheerful. In this matter swimming, walking and positive emotions can help.


With a shortage of some vitamins or minerals, it is necessary to take special supplements as per the suggestions of your healthcare provider.


Some people think that a woman’s life after 50 years ends, but this is not at all the case. The main thing that every woman should remember is that with the onset of menopause, she should not feel ugly, insecure and unattractive.


If you constantly monitor nutrition, weight and other indicators, it is possible to avoid treatment and maintain health at the usual level, even in your old age.


About Medigap: Are you 65 and over? Check out Medicare supplement plans in case you’re considering extra coverage options for your healthcare.

Useful low-cost travelling travel for seniors tips for planning long trips

Useful low-cost travelling travel for seniors tips for planning long trips

When people are retired they usually think that it is better for them to go out for travelling. The reason behind that is they want to travel to their favorite place it is more of a dream destination for them but the only thing that stays as a barrier for them is money. As they are retired, they need to get 2019 medicare advantage plans and use money more carefully so that they do not want to end up being bankrupt. Here are some of the travel for seniors tips that will help them in going out for tours and will save them much more money than they expect.

  1. Always plan early

Planning early always help you to think carefully. By planning early you end up having more time to assemble things and do not forget to buy tickets as early as possible because it will save you a lot of money and it may also be refundable. So the first best thing to do is to make reservation for your tickets and then watch for price drop and then buy.


  1. Travel for seniors budget

Always do some research about your destination so that you will have an idea about what is going to cost. You need to consider your expenses like airfare, food, attraction and lodging. Figure out how much you can save from your disposable income that will cover your expenses of travel for seniors. If you are getting short try to save money in other areas.


  1. Be flexible

If you want to save money you need to be flexible about your destinations and dates. You can change travelling dates of your destination and put another date that will cost you less. So this way you will save money. So try to be more flexible and you will definitely save money.


  1. Travelling during a less popular time

Demands are higher during tourist sessions and for that very thing airfare and lodging rates are high. So try to travel at when tourist rush is low that way when you travel the crowds will be thinner and travelling cost will be lower. So consider this tip it will surely help you to save money.


  1. Look for free and low cost attraction places

By visiting local tourist places you’ll save money and try to save money on tourist attraction places you will not notice but these places will make you spend your money. So be careful not to use your money rashly at these places. There are also some cities that gives you one pass for different destinations. Better to know about your destination like I said. So these are some tips that will help you to save money.