Don’t Get Scammed!

Widespread scams targeting bank customers nationwide. Use caution when discussing your personal information, especially bank accounts over the phone as you could be chatting with a scammer, disguised a bank employee.

Here are some ways you can outwit the scammer

Verify only your name and secret question.
Do not provide any additional account details. If they ask too many personal questions or ask for your full social security number, HANG UP!

Ask questions.
Asking questions like “When’s the last time I called you?” may prompt the fraudster to hang up.

Deny requests for a one-time passcode.
Most banks will never ask if they can text you a one-time passcode to verify your account. These scammers will.

Call your bank directly if something feels suspicious.
Tell the caller you need to call them back and ask for the number you can use.  DO NOT call that number until you look at your bank information from either your statements or their website and confirm that the numbers are the same.  I do this every time I get a call from any financial institution.

Better to be cautious than careless with your personal information. Stay safe out there!

Reference: Ally Bank

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This just in: CEO’s starting to see the need for increased wellness programs

I just recently ran across an article that stated employer’s are starting to see the need for increased wellness programs and that on the executive level.

It began with a survey that gauges employers’ attitudes and strategies on the different stages of implementing a wellness program and found that more senior-level executives are supporting the company’s wellness initiatives.

Here are the findings:

Senior management’s support of improving employee health jumped to 42% in 2010, compared with 6% in 2009, according to experts in Willis North America’s human capital practice.

In the survey, participants were asked to describe wellness program components, incentives, participation rates, vendor satisfaction and how program results are measured. The company polled 1,949 individuals and 71% of participants employed 500 or fewer workers.

While it is encouraging to see organizational support at the senior level significantly increasing, the survey [also] indicates a need to focus programs on increased employee engagement,” says Cheryl Mealey, national practice leader of wellness consulting, at Willis North America. “Senior management is really starting to embrace the idea that our health impacts how we work, and how we work impacts our health,” she adds.

Survey participants ranked “management support and a strong internal leader championing wellness within the organization” as the two most important factors in maintaining a successful wellness program. Other key factors cited to sustain a strong wellness program included marketing and communication efforts, setting specific goals and strategic planning.

The need for strategic planning is rising because of the rising health care costs associated with so many things such as caring for family members with disabilities, elder-care issues, etc. and the stress involved in daily work/life issues.

Meanwhile, Mealy advises employers to invest more resources in training to assist mid-level managers to better understand the link between health and productivity.

She goes on to say “Our survey findings show that only 5% of respondents offer such training. The relationship an employee has with his or her direct supervisor is of paramount importance, not only in relation to engagement and job satisfaction, but also to overall health and well-being.”

Also, “Organizations need to rethink their incentive and communication strategies and determine whether their approach is resulting in compliance with a series of defined tasks, or true engagement in health improvement and ultimately in the success of the business. Increasingly, we are seeing that the two go hand-in-hand,” Mealey adds.

Other key findings from the survey include:

  • One-third of employers did not agree that financial rewards should be used to encourage healthy lifestyles, a 15% increase over the 2009 survey results.
  • Nearly 45% of participants reported insufficient time or not enough staff as the most significant barrier to offering a wellness program, followed by budget constraints at 43%.
  • Fifty-three percent of employers indicated they had some type of wellness program. Of those with a wellness program, 57% describe their program as “basic.”
  • Seventy-eight percent of employers reviewed their health care cost trends prior to implementing a wellness program.
  • Only 28% of responding employers have a specific and defined strategy in place to improve employee engagement in the workplace. Of the organizations that have a formal strategy, 64% considered their work-site wellness program to be an important part of their overall employee engagement strategy.
  • About 38% of survey respondents indicated they did not have sufficient data to calculate ROI.

If these issues are considered from executive leaders within the corporations and businesses and strategic plans are put in place to address these issues before a crisis the return on investment is huge. Increased productivity and a healthier work environment become a win-win situation for all involved.

For more information on this subject and more on implementing wellness programs go to



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Recognizing Caregiver Burnout

woman entrepreneur burnout-resized-600.jpgYou try to hide the feeling of being overwhelmed, however; caregiver burnout is serious and can lead significant physical and mental health issues.  It is critical to know the signs and take steps to take care of yourself.

Here are some signs of caregiver burnout:

  • Overreacting to minor frustrations
  • The constant feeling of exhaustion
  • Loss of interest in things you use to enjoy/ isolation from social gatherings
  • Decrease in productivity of work
  • Increased use of alcohol/stimulants
  • Change in eating or sleeping patterns
  • Scattered thinking
  • Feelings of resentment towards the person you are caring for
  • Being short-tempered with family members

If you see yourself in any of these points you need to make some drastic changes NOW before it becomes critical.

Some Self-Care Tips:



  • Support group.- Though it seems that you have no time to add another thing to your calendar it is important to make the time Group participants will understand how challenging the caregiving journey is and how hard it is, at times, to remain patient with the mental and physical decline of someone you love.  As well as how frustrating it is trying to “navigate the health care system”.
  • Get an “on-call” friend – ask someone in your close circle of friends to act as a sounding board (sometimes just a venting board) so you can release the pent-up emotions without concern of judgment or criticism.
  • Journal/Blog – sometimes writing things down can help you express your emotions. Sharing your emotions via a blog can help others in realizing they are not alone in their struggles with their care journey.
  • Consider counseling – this can assist you in dealing with the natural feelings that come with caregiving. Among these are anger, frustration, sadness, anxiety, and guilt. Some feelings are part of the grieving process you and your care receiver are experiencing.  Unfortunately, many caregivers don’t take time for counseling until their caregiving days are over. (If you are a working caregiver, counseling may be provided as part of your health insurance package so call your health insurance provider. Companies offering Employee Assistance Programs (EAP’s), may also cover counseling.  Caregivers age sixty or over may qualify for counseling under the Older Americans Act, Title III-B.)


  • Ask for help – if you have other family members in the area call and ask them to help you with the care needs. Then LET THEM DO IT! Let go of the need to control because it is part of the cause of your burnout.
  • Respite Care – If you care for someone in a home setting you can hire a caregiver to come to the home to manage their care for a week or two. Consider as well scheduling a respite stay at an assisted living or skilled nursing facility.
  • Get a physicalSchedule an appointment with your doctor for a complete physical and KEEP IT. Though caregiver burnout feels more like an emotional issue, it can lead to serious health issues if left un-managed.
  • Get away – take a vacation, even if it’s just for a weekend or overnight stay somewhere away from your regular hectic schedule.

Find ways to take care of yourself TODAY!  Putting it off will only continue the downward spiral which can lead to critical, life-altering decisions and behaviors.

takecontrolPlease note: If you are feeling overwhelmed and are afraid you will hurt your care receiver if you don’t find help right away, (800) 971-0016 is a twenty-four hour crisis and information line
For more resources visit

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Caregiving and Dementia

Most common challenges associated with caring for a loved one with dementia:

  • Sleep problems and caregiver exhaustion are two of the most common reasons persons with dementia are placed in nursing homes. Causes of sleeplessness in dementia patients include pain, lack of exercise and activities, anxiety, agitation, or too much fluid or caffeine late in the day.
  • Urinary incontinence is the second leading reason that families institutionalize their loved ones with dementia. Urinary incontinence in persons with dementia should be evaluated for treatable causes, including urinary tract infections, electrolyte and calcium abnormalities, pro-static hypertrophy, and estrogen deficiency. A regular toileting schedule at two to three-hour intervals or verbal prompting may also alleviate this symptom.
  • Agitation and aggressive behavior have been reported in 65 percent of community-dwelling persons with dementia. Reasons for agitation or aggression include over-stimulation, physical discomfort, unfamiliar surroundings or persons, complicated tasks, and frustrating interaction, as well as more serious reasons as paranoia, delusions, or hallucinations.
  • Caregivers may be embarrassed or ambivalent about discussing inappropriate sexual behaviors exhibited by persons with dementia.
  • Persons with dementia are often reluctant to stop driving when safety is at issue.
  • Repetitious questions may be due to short-term memory loss and an under-stimulating/over-stimulating environment leading to anxiety, feeling out of control, or fear.

It is OK if caring for you to seek out housing options for your loved one, even if you promised you never would.  Caring for someone with dementia can be overwhelming when they are in a memory care facility, much less in their own home.  Seek out professionals who can help you find the right option for your loved one and that is convenient for you.  You were never meant to do this alone!

Information cited from the Alzheimer’s Association website

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Summertime tips for Caregivers

Seniors are especially at risk in high heat situations. Large stretches of the USA are experiencing extreme temperatures.

Here are some summer heat tips for helping elderly loved ones avoid heat stroke or heat exhaustion

  • Encourage fluid intake.* Water is best.  Pick up some bottled water to keep in their fridge.  It’s easy to grab and can help them track their water intake. Some fruit has a high water content (such as cantaloupe) is also helpful.  Remind them that sugary drinks, caffeine, and alcohol act as diuretics so fluctuating those fluids with water is key.
  • Make sure their air conditioning is working and turned on. Whether in an effort to cut expenses or because many older adults, especially those on blood thinners, get cold easily, they may not have their air conditioning turned on.  However; they may not recognize that being in air-conditioning can help them avoid heat stroke/exhaustion.  Explain the reasoning behind having the air on and then find them a sweater to wear in the house.
    • If they do not have air-conditioning, consider going to a mall, movie theatre, museum or city cooling center.  Another option is having them stay with a family member until the heat wave passes.
  • Take a cool shower or bath, especially in the evening before going to bed.
  • Wear light-colored, loose-fitting clothing that breathes.
  • Discourage activities such as cooking/baking in the oven as well as thorough housecleaning during heat waves. 
  • If going outside, apply sunscreen and keep it on hand for re-application.
  • Regularly check in on elderly relatives, friends and neighbors in person if possible. If you live far away, contact another relative or neighbor who can stop by and check on them.

Know the signs of heat stroke (i.e.: flushed face, high body temperature, headache, nausea, rapid pulse, dizziness and confusion) and take immediate action if you or your loved one is having any of these symptoms.

For more caregiving support visit

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Reconciliation and Your Well-Being

Growing up my family was very close. In typical Italian style, every Sunday was spent at my grandparent’s home in Chicago where random aunts, uncles and cousins (most of which lived on the same block) gathered for an amazing feast. My grandfather, the middle child of 5 had a younger brother named Chris who I had never met. Chris was rarely mentioned and when he was it was with a tone of bitterness. Confused by the paradox between the closeness of the family and the outcast of one member I once asked my grandmother why Chris was not a part of our close-knit group. She quickly replied that there had been a “falling out” and then promptly changed the subject.

Unfortunately for my grandma, I had a simple, yet profound follow-up question, “what happened?” To my surprise, she didn’t quite remember all that had happened but knew that it was bad enough to “break up the family”. I later heard that the “incident” involved Chris’s wife making a comment to someone else about my grandma, which had then been relayed to my grandpa through a third-party and therefore caused the rift. Shortly before my grandma’s death my grandpa and his brother reconnected and reconciled, at this point neither could tell you why they had stayed apart so long.

I share this example because, as an adult, I comprehend that the 30+ year divide was based on hear-say most of which most likely included Italian dramatization of the actual event. To some this may seem extreme, however; in my 20 year career I have met hundreds of families torn apart by a random comment, perceived offense or imaginary conflict. Stressed out people, especially those caring for an elderly loved one can misinterpret the comments and actions of others. In many cases, instead of trying to clarify the facts a grand story is created about the other person’s actions and intentions.

When we are in conflict with others, the conflict is really where we are. Many times the other person doesn’t even know that there is a conflict. The stress from these family feuds, if allowed to fester can cause major health issues. However; if addressed in a timely manner can more often than not be cleared up quickly.

Points to Ponder

  • Is there someone in your family that you are in conflict with?
  • If you looked at the facts of the incident(s) that caused the conflict what part did you play in the conflict?
  • What would you have to “give-up” in order to resolve the conflict?
  • What would become easier in your life if you were no longer a part of this conflict?

To really answer these questions one must first leave their pride outside and take responsibility for their part in the conflict. However; if able to realistically evaluate the situation and allow yourself to forgive others and be reconciled with them, you will be amazed at how much lighter you will feel.

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Caregiving – Learning from the Past

It’s amazing how insightful we are about situations faced in the past. Why? Because once  the chaos has subsided and the situation is over, we can analyze it from a new perspective.

However; when in the midst of challenges in our lives, the physical and emotional mayhem causes us to function more in reaction to, as opposed to careful analysis of, the situation.

When caring for someone we love there are several factors that come into play when making decision

  • Our emotional reaction to what is happening to that person
  • Our personal dynamic with that person
  • Our perceived role in the life of the person that is ill as well as in the overall family (i.e.: our birth order)
  • Our understanding of what is happening to them health wise
  • Understanding what resources are available and how to utilize them

Having worked with family caregivers for over 20 years, written 2 books on the topic, as well as having cared for several family members, I can tell you first-hand that even when a caregiver knows what they are doing and how to access resources, emotional reaction and family dynamics can often overshadow the judgment of even the most knowledgeable of caregiver.

Points to Ponder

  • You don’t get a “do-over” so dwelling on what you should or could have done is an exercise in futility.
  • You did the best you could in the face of the overwhelming tasks and factors involved in caring for someone you love.
  • Guilt is an unnecessary emotion that we “put upon” ourselves once we are on the other side of decisions made. The good news is you have the power to remove the guilt (see Letting Go of Guilt).

Even if you grasp an understanding of these points, human nature triggers us to over analyze and dwell on situations thus inducing guilt over the shoulda, coulda, woulda’s we come up with.

What can we do to stop the madness?

Utilizing the new-found Genius

  • Analyzing the past can assist us in being pro-active about the future care needs of other family members (see Pro-Active vs Re-Active Caregiving).
  • Understanding the challenges we faced can benefit others around us who are in the midst of the caregiving chaos by sharing our story and lessons learned from the experience.
  • Our experience can assist us in being more aware of our reactive tendencies causing more focused and fact based decisions in the future. (see Fear vs. Fact)
  • Utilizing our experience to assist us in creating a plan for our own future care needs. (see Wrinkles Memory Loss and Erectile Dysfunction)

Most importantly – Keep reminding yourself that you did the best you could, considering what you were up against!

For more support and resources visit

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