Archive | March, 2011

Defy Aging with these simple routines

30 Mar

Defy the Aging Process

With so many factors conspiring to accelerate your aging, you need advanced anti-aging skin care products that protect your skin and help treat problem areas to help you maintain your best looks regardless of your age. Visible Solutions™ is the answer.

Look Good At Any Age

Aging is unavoidable, but that doesn’t mean we have to “grow old.” You don’t have to surrender your youthful appearance just yet. With Visible Solutions, you can show the world that age truly is just a number. People can then see you the way you see yourself – vibrant, rejuvenated, and youthful!

Independent User Group Studies

After using Visible Solutions for just 30 days:
bullet   81% saw a reduction in discoloration*
bullet   92% saw a reduction in fine lines and wrinkles*
bullet   94% saw improvement in texture*
bullet   95% said skin was more firm*
bullet   95% saw improvement in clarity*
bullet   100% saw improvement in hydration*
bullet   100% said skin was more radiant*

Independent clinical studies have shown:
bullet   44% reduction in wrinkle depth after 30 days*
bullet   128% increase in collagen I after 15 days*
bullet   31% increase in elastin after 15 days*
bullet   11.7% increase in elasticity after 4 weeks*

Exclusive Skin Care Technology

Our products are made from the best ingredients and contain no sulfates, surfactants, artificial color or fragrance. Each component of the Visible Solutions Skin Care System incorporates the proprietary Max Amino-Nutrient Complex™. This exclusive blend helps to naturally optimize collagen, protect moisture and raise hydration levels, increase and enhance elasticity and protect skin against free radicals.

It contains the following specialized ingredients:

Terra-Pure™ Aloe
The patented reverse osmosis processing of the Aloe in our products ensures that all the amino acids and vitamins, etc., retain their full efficacy. Just our Aloe alone, without any other ingredient, would give you collagen support. Additionally, this special Aloe base, when mixed with other ingredients in our products, ensures that these critical nutrients can penetrate your skin, delivering them where they are needed most.

A naturally derived glycol protein that helps to prevent dryness of the skin and also serves to protect the epidermis from extreme cold. Studies have shown that Antarcticine optimizes production of collagen I, collagen IV, and elastin.

An active peptide that enhances skin elasticity and tightness. It is especially targeted at mature skin with studies showing significant increases in elastin in as little as four weeks of regular use.

A highly potent antioxidant that helps protect the skin from photo-aging. It is shown to be more effective than Resveratrol, Vitamin E and ferulic acid in protecting against oxidative stress. It has also been shown to have greater antioxidant power than Vitamin E and C, grape seed extract and other well-known antioxidants.


Senior Humor 101

28 Mar
A 75-year-old man went to the doctor’s office to get a sperm count.

The Doctor gave the man a jar and said, “Take this jar home and bring me back a sample tomorrow.”

The next day, the 75-year-old man reappears at the doctor’s office and gives him the jar, which is as clean and empty as the previous day.

The doctor asks what happened, and the man explains, “Well, Doc, it’s like this. First I tried with my right hand, but nothing. Then I tried with my left hand, but nothing. Then I asked my wife for help. She tried with her right hand, but nothing. Then with her left, but nothing. She even tried with her mouth, first with her teeth in, then with he teeth out, and still nothing. Hell, we even called up the lady next door, and she tried with both hands and her mouth too, but nothing.”

The doctor was shocked. “You asked your neighbor?”

The old man replied, “Yep, but no matter what we tried, we couldn’t get that damn jar opened!”


A young fellow was about to be married and was asking his grandfather about sex. He asked how often you should have it. His grandfather told him that when you first get married, you want it all the time, and maybe do it several times a day.

His grandfather continued to tell the young fellow that later on, sex tapers off and you have it once a week or so. Then as you get older, you have sex maybe once a month. When you get really old, you are lucky to have it once a year – maybe on your anniversary.

The young fellow then asked his grandfather, “Well how about you and Grandma now?”

His grandfather replied, “Oh, we just have oral sex now.”

“What’s oral sex?” the young fellow asked.

“Well,” Grandpa said, “She goes to bed into her bedroom, and I go to into my bedroom. And she yells, ‘F*** You!” And I holler back, “F*** You too’.”


Two elderly gentlemen are playing cards on Saturday evening just as they have done for the past 50 years.

Gus, the elder, had been having problems remembering what cards were what, and usually needed help from his wife. At the end of the card game Red said to Gus, “You did very good tonight. You didn’t need any help at all. Why is that?”

Gus replied, “Why, ever since my wife sent me to that memory school, I haven’t had any problems at all.”

“Memory school? What memory school?”

Gus thought for a moment, “Oh, what’s that flower that’s red with thorns? A really pretty flower . . . “

“A rose?” asked Red.

“Yeah, that’s it!” Gus turned to his wife and mumbled, “Hey, Rose! What’s the name of that memory school you sent me to?”

10 Ways to Way up Beautiful

28 Mar

1. Get an Early Start
Make a habit of washing your face a few hours before bed. If you wait until you’re tired, you’re more likely to blow it off — allowing “toxins and dirt to stay on there all night,” says dermatologist Laurie Polis of N.Y.C. Another consequence? You miss the best time to treat your skin. “At night there’s more blood flow to the skin’s surface, and there’s nothing else on your face to interfere with absorption,” Polis says.

Try: Neutrogena Deep Clean Relaxing nightly cleanser, $7; at drugstores.

2. Sleep on Your Back
Note to Audrey Hepburn fans: Lying on your stomach is bad for “beauty sleep.” The average head weighs 7 to 8 pounds — a lot of pressure to be putting on your face every night. In fact, many dermatologists say they can tell what side of the face people sleep on by the number of wrinkles there.

3. Get a Lift
Sleep with your head elevated on two pillows, or put the headrest area of your bed on 2- to 4-inch pieces of wood. Gravity helps lymph and blood flow so fluid won’t accumulate, Polis says.

4. Save Money, Not Wrinkles

At night you don’t need to worry about eye treatments smearing your makeup, so slather on the richest formula you can. Polis swears by Aquaphor: “It conditions lashes and hydrates the delicate eye skin really well.”

Try: Aquaphor Healing ointment, $9;

5. Sneak a Glow
Mix a drop of self-tanner into your night cream or use a cream that contains a bit of tan-producing DHA.

Try: Clarins Radiance-Plus self-tanning cream, $52;

6. Avoid Carb Face
To wake with defined cheekbones, eat a high-protein, low-sugar dinner (try salmon and asparagus, a natural diuretic). Skip the rice, pasta and potatoes. “When our diet’s high in glycemic carbohydrates, our features take on a soft, doughy appearance,” says Connecticut dermatologist Nicholas Perricone.

7. Wrap It Up
To minimize A.M. frizz, sleep on a satin pillowcase or put your hair in a silk scarf. “Those fabrics are much softer than cotton, so there’s less friction,” says Harry Josh, a John Frieda stylist.

8. Find Your Inner Ballerina
Pile hair into a twist on the top of your head (use a scrunchie to avoid crimping). “In the morning you’ll have major volume and beautiful waves,” Josh says.

9. Turn on the Hair Conditioning
Sleep with a moisturizing treatment in damp hair overnight. We like Philip B. Katira Hair Masque, but any rich conditioner will do. Rinse in the morning.

Try: Philip B. Katira Hair Masque, $40;

10. Pop a Rooster Pill
Trust us, we were skeptical. But after swallowing two Wake Up on Time pills at 11 P.M., we found it much easier to get out of bed seven hours later. Created by a sleep-deprived single mother, the pills contain an energizing blend of thiamin, riboflavin, niacin, vitamins B6 and B12 and guarana-seed extract. It’s formulated with a coating that releases ingredients into your bloodstream toward the end of your last sleep cycle, so you wake up feeling clear-headed, not fuzzy.

Home Health Care Options, caregivers and paying for care

25 Mar

Most seniors when questioned, state they would prefer to remain in their homes as long as is possible. Seniors who go to nursing home or other assisted type facilities are unusually not in need of complex medical care but rather are having difficulty taking care of their personal needs. Unfortunately many seniors become depressed and discouraged when they move to nursing homes. Many see nursing homes as just a place where they are going to wait for death. Loss of independence is for many their greatest fear. Staying in their own home as long as is possible can mean a great deal to many older people. Familiar surroundings can be therapeutic. Fortunately many seniors can stay in their own homes.
Home care can be a good option for many seniors. They are able to stay in the familiar surroundings of their own home, but have greater piece of mind. They will have more control over the decisions in life that can mean so much. Deciding what time to get up and what to eat can become very important, if there is a threat that those choices may be taken away from you. Nursing home care can also be very expensive, many times home care is a more cost-effective alternative. Lets look at the care that is available, how to find a good home care provider, and see how it is paid for.

Home Care Options
There are many options for finding care in the home. The majority of caregivers in the home are family members who are providing care for a loved one. This care is often given at great at financial cost in lost wages. The majority of these family caregivers are women. Medicare covers home health only under certain circumstances. A physician must order care, and the care be for a medical need. Medicare considers personal care such as bathing and toileting to be non-medical and therefore excluded from coverage except in certain circumstances. There are also programs available in many states that provide services in the home such as personal care, and homemakers. These programs vary state to state on what and how they provide these services. Check with your State Agency On Aging for information on the programs that are available where you live. If government funded care is not an option, then privately hired care can be found.

Finding a Good Caregiver
Caregivers can be hired from an agency or home health company, but can be expensive and may not be consistent. Fees for such will vary in different parts of the country but can be very expensive. Caregivers can also be hired privately. They may be less expensive but also pose additional risks. It is very important to screen all providers carefully to prevent any problems. It is very helpful if providers have had some experience in home care. Ask for at least 3 references and check them out. Providers hired through an agency should be bonded and have background checks.

Paying For Care
If home care is provided under Medicare, the cost of services is covered completely. Equipment is paid under Part B and is covered at 80%. Homemaker and aide services provided under state programs are generally covered at 100%. These programs generally have income qualifications. Very often only low-income seniors will qualify. Another option for paying for this care is long-term care insurance. Most will cover a portion of home care that is provider for personal type care. Check the benefits carefully. Some companies have provided this type of insurance under retirement benefits. It would be wise to contact your former employer to inquire if this benefit is available. The other option is to pay for the care provided from savings. Check with your Agency On Aging for information on any assistance available.

Costs of Long Term Care Insurance – 4 Ways to Keep Your Long Term Care Insurance Costs Cheap

19 Mar

While long term care insurance might not be cheap, neither are the costs it covers. For most of us, the solution to all of this is to obtain insurance as early as possible when premiums are lower and before any pre-existing conditions arrive.

What About Seniors? But what is the solution when seniors are older and coverage is more expensive? While I believe that you should have complete coverage, there are several ways to keep premiums down. To reduce premium costs consider these options:

How to Reduce Long Term Care Insurance Premium Costs

1. Lengthen the elimination period. The elimination period is a lot like a deductible. The longer the elimination period (deductible), the less expensive the insurance will be. However, this means you will have to pay the expenses for the first 30, 60, or 90 days of care. Having a 90-day elimination period can cut premium costs considerably.

2. Choose a shorter period of coverage. Instead of choosing lifetime coverage choose a coverage period between three to five years. The savings can be significant and according to Worth magazine, studies show the average nursing home stay is approximately two and a half years.

3. Choose a lower daily benefit. The average annual cost of private nursing home care is about $150 per day, according to the Department of Health. If you chose just $100 per day, you could lower your premiums, if you end up needing the coverage, you could make up the difference with other forms of income, such as social security.

4. Get a joint policy. If you are married, you could get a joint policy that covers both you and your spouse at a discount. Most major companies offer this. If you had to make a choice on whom to insure you should choose the wife; they are more likely to enter a nursing home due to a longer life expectancy.

Robert Valentine is a well-known expert in the matters concerning investors. His articles on financial planning matters that concern investors have been published by several publications throughout the United States. Please visit his website, to view some of his most popular articles.

Senior Care and your Career

19 Mar

Elder care, being the caregiver for an elderly relative, can harm your career. This is the conclusion of the 1999 MetLife Juggling Act Study conducted by The National Center for Women and Aging at Brandeis University and The National Alliance for Caregiving. According to this study on the effects of elder care on working Americans, caregivers give up promotions, raises, and training opportunities. They take a leave from their jobs, cut their hours, or quit their jobs altogether.

Who Feels the Effect of Elder Care?

More women than men are the primary caregivers for their older relatives. The Family Caregiver Alliance reports that “the average caregiver is age 46, female, married and working outside the home earning an annual income of $35,000.” (“Women and Caregiving: Facts and Figures“)

Balancing Elder Care and Your Career

While it is difficult to miss out on a promising career opportunity, it is more difficult for most people to disregard the needs of an elderly relative. For babyboomers, who were among the last to experience the phenomenon of the “Leave It to Beaver” stay-at-home mom, it would be unthinkable to turn one’s back on a parent in need. Now comes the issue of balance — how do you balance mom’s and dad’s needs with your career aspirations? Not to mention the fact that many of these caregiver’s are also working parents, dealing with child care issues as well.

If you are dealing with a short-term crisis, you should consider taking advantage of the Family and Medical Leave Act. The Family and Medical Leave Act (FMLA) allows you to take up to twelve weeks of paid and unpaid leave to care for a sick relative.

If you will be caring for an elderly relative at home for a period longer than three months, you will have to find another way to balance career and elder care. In lieu of leaving one’s career behind, which for many reasons may not be an option, there are other choices.

  • Work a Flexible Schedule or Telecommute: Ask your boss if you can work flexible hours, which would allow you to work while someone else is there to provide care. Alternatively, find out if you can work from home. 
  • Share Duties With a Sibling: Share caregiver duties with a sibling or other relative who can handle things at home while you go to work. 
  • Utilize Adult Daycare: Adult Daycare provides care in centers within the community while the caregiver is at work. 
  • Hire a Caregiver: Trained healthcare workers provide care and companionship at home.  For more information about hiring a Caregiver visit our website or call 424-222-0197 and get helped today.