Tuesday, October 20, 2020

Preventative Measures of Scam for the Elderly


             Image source: pexels.com


Before the universal occurrence of online scams, senior citizens had already been victims of other con tricks via phone calls or face-to-face.  It is highly unjust for the elderly to lose their entire life savings and hard-earned assets due to fraud.  The cost of loss each year for senior citizens alone reaches up to $328 million. 


Con artists target the elderly regardless of their economic status –the scam problem spans all income levels. This being said, scammers do not exempt the elderly population with average savings to be one of their victims.


There are many considerations to watch out for involving financial abuse. They often come in many forms –some are easier to spot, while others are more difficult. The good news is: there are many preventive ways to combat scams that target the elderly. Let’s explore them below to support our older relatives in making sound decisions for financial security. 


  • Phone Call Scams - Possibly the most common scam to take note of are phone calls or door-to-door schemes involving impersonators asking for immediate assistance. The story normally revolves around an emergency that needs money transferred as urgently as possible. 


How to Avoid Falling Victim for the Scam: 

  1. Ask an identifying question that your grandchild would know. If the caller is truly your family member, they would easily be able to answer a personal question.

  2. Ask for a number to call back. Privately reach out to the parent or other known relative to verify if the phone number of the caller is correctly theirs. 

  3. If the scam seems obvious –hang up the phone call. Ignoring them is a sure way to avoid being involved in the scam. 


        Image source: unsplash.com


  • Telemarketing Fraud - Another common scam is from telemarketers naming bogus companies to sell a product. Oftentimes, it turns out to be part of a pyramid scheme or

payments made are not only one time but to a subscription charge every month. 


How to Avoid: 

  1. Thoroughly research whether the company is legitimate. Secure websites have a lock button on the search bar and do not contain unofficial looking content. If there are basic errors like spelling and grammar, this is often a red flag to avoid.

  2. Obtain a salesperson’s personal information. Asking for their name, position, or company address can set them off guard. If they are legitimate salespeople –there wouldn’t be an issue of hesitation. You may even lookup the company on Google right on the spot to verify. 

  3. Be aware of the latest phishing schemes sent to your phone or email. They often market free prizes and great deals to lure you into clicking on an attached link. Mark the message as spam and block any unreliable source.


Image source: pexels.com


  • Investment Fraud - Financial fraud comes in various forms. They commonly involve false investment opportunities. Con artists may pose as insurance agents selling fake insurance premiums to pocket the money or pose as bank tellers to gain access to your personal information. 


How to Avoid: 

  1. Contact legitimate advisors. Most fool-proof investments are done with the assistance of financial advisors. Having their guidance and expertise when making new investments can help save thousands of dollars being pocketed. 

  2. Increase the step verification process. Activating extra verification steps for your credit card or insurance policy while using it can help ensure less fraudulent cases to occur without notice. 

  3. Never give away specific information online. If a proxy is needed to carry out errands, make sure not to give specifics –like credit card numbers or other information online. 


Image source: pexels.com


Senior citizens are one of the most susceptible targets for different scamming tricks. Through awareness and help from other family members, it can guide them in making smart decisions when it comes to finance. Extra precautionary measures may prevent financial abuse from external parties to take place, allowing the elderly to retire peacefully.  




Saturday, October 17, 2020

Let Your DNA Influence Your Lifestyle and Live a Healthier Life

StockSnap. ‘Yoga.’ Pixabay.com. Copyright-free.

There are genetic and DNA tests for almost any purpose you can dream of. However, not all genome testing is completed with the same level of diligence and integrity. There are two main types of DNA tests: medical and commercial.

Medical gene and DNA tests are more thorough and specifically tailored to suit a patient. The costs associated with genetic tests, therapies, and gene counselors are significant. Many insurance companies will not cover the fees associated with these developing treatments.

Consumer DNA tests range from quality screenings with reliable results to educated guesses that are more like entertainment than genetic research. Before exploring what these commercial DNA tests can do to protect and improve your health, it is wise to visit the objective DNA Weekly website where you will find honest reviews and helpful resources that aid you in buying the test best suited for your needs. 


Precision Medicine

One of the most exciting innovations associated with genetic testing and the science associated with DNA is that healthcare may be able to tailor treatment to every individual’s needs.

The human genome is complicated with a basic structure that can be altered in endless variations. Mutations add to the complexity by changing that already intricate construction.


McMurry, Julie. ‘Person-From-Dots.’ Pixabay.com. Copyright-free.

Precision medicine is the future of healthcare. As gene therapies advance and technology like (CRISPR) become more commonplace and affordable. The DNA testing industry will revolutionize how doctors treat patients and may impact how we reproduce.


Finding Cancer

Identifying the so-called breast cancer gene (BRAC1/BRAC2) is a welcome development in oncology.

However, genes do not dictate whether or not you will develop a disease. Many people carry genes without ever getting ill, but being aware of this genetic risk will allow many people to adjust their lifestyles to help prevent the illness from mutating their genes and making them sick.

LJNova Scotia. ‘Crispr.’ Pixabay.com. Copyright-free.

Connect to Your Ancestors    

Efes Kitap. ‘Woman.’ Pixabay.com. Copyright-free

The human mind is an extraordinarily complex tool. Psychologists believe that having a connection to ancestry helps reassure current generations that they can weather the situations that complicate their lives.

Dr. Routledge an associate professor of psychology and the director of the operates the Experimental Existential Social Psychology Lab who has spent years studying nostalgia and it’s the effect on the human mind.

Dr. Routledge theorizes that "Nostalgia activates several positive states. Specifically, nostalgia increases positive mood, self-esteem., feelings of social connectedness, and perceptions of meaning in life." Dr. Routledge further states that nostalgia is an emotion that fortifies people in times of distress. It aids in healing after trauma and gives people the strength they need to move forward.  

                                         

Dr. Routledge theorizes that "Nostalgia activates several positive states. Specifically, nostalgia increases positive mood, self-esteem., feelings of social connectedness, and perceptions of meaning in life." Dr. Routledge further states that nostalgia is an emotion that fortifies people in times of distress. It aids in healing after trauma and gives people the strength they need to move forward.

Linforth, Pete. ‘DNA.’ Pixabay.com. Copyright-free.

Carrier Screenings

Another benefit of genetic research is the ability to scan potential parents for genetic mutations which if passed down to a child might make them potentially fatally ill.


Making Informed Lifestyle Choices

Stain Marylight. ‘Fruit.’ Pixabay.com. Copyright-free.


The new field of epigenetics involves studying how our lifestyles, environment, and the chemicals and pollutions we are exposed to can change human genes. For example, smoking is a lifestyle choice changes genes and is intricately linked to illness. Cigarettes change genes by mutating the genes that fight cancer until they do not work anymore.

A couple of recent research studies proved that eating for nutrition and prioritizing health can keep genes from changing lowering the pulmonary risks associated with poor nutrition. The same is true for exercise because it coaxes stem cells to turn into blood or bone cells instead of mutated genes that can negatively affect a person’s health.

Saturday, October 10, 2020

Cufflinks, formal jewellery buttons to last a lifetime

A white-collar profession requires formal outfits especially when attending business meetings, social events and important occasions. Men usually have less accessories worn compared to women. Cufflinks, aside from a watch are referred to as one of the formal jewelleries generally worn by men with their formal shirts.

cufflinks

Cufflinks are one of the best presents to give on occasions like birthdays that would be gladly appreciated aside from the latest gadgets. An antique jewellery like cufflink would be a great souvenir too which can be used time and time again.

What is a cufflink?

It is a decorative fastener alternative to buttons which is used to secure the cuffs when wearing a jacket. These buttons are intended for use with shirts which have buttonholes on both sides that usually have no buttons to fasten. This jewellery can be made of enamel, titanium, precious metal like gold, white gold and silver, glass, fine gem stones, wood, leather and more.

Why wear cufflinks?

Cufflinks adds finesse and style to a formal suit. As it is considered one of men’s accessories, it is attractive to the eye and calls attention than regular buttons. They are often called as the quirky fashion accessory for gala or formal attire.

 Are cufflinks expensive?

Cufflinks are considered jewelleries, thus its price depends on what material it is made of and level of workmanship just like rings, bracelets and necklaces for women. It also comes in different shapes, color and fancy or formal designs.

When to wear cufflinks

Cufflinks are not just for business and formal black-tie events. They can be worn in social gatherings and settings like weddings and holiday parties. However, make sure you wear the right cufflinks that matches the level of formality of your attire.

If you are a beginner in wearing cufflinks, it is best recommended to invest in a simple set of silver, a set of gold or a set of white gold.  Remember to match your cufflinks color to the color of your belt buckle and wristwatch as well.

cufflinks

It may seem old fashioned to wear cufflinks but the fashion of wearing cufflinks is back, it may seem like a small detail but it conveys elegance, completes a formal outfit and gives the impression that the man who wears them dresses to impress.

It is also one of the best gifts you can give to the pillar of the house – your father who deserves the best and lasting gift to treasure which can be passed on from generation to generation.

 

Image credits:
pixabay
pixabay

Thursday, October 08, 2020

Online Learning 101: A Parent’s Guide

Online learning presents us all with difficult challenges, especially if you are a parent of 2 or more children. Even if you are a parent who is digitally savvy, you will still be grappling with many different problems that will occur during the phase of sudden transition of the traditional education to online education environments.

online learning

This alternative learning method has begun in most countries around the globe and is tough to achieve for parents who must continue their own work to support their families. How to meet your children’s academic needs while you need to keep doing your job if you are an essential worker is not an easy task. While for those who are working remotely from home suffers time management. Although online learning may seem like an impossible task, there are possible remedies to make homeschooling journey sailing as smooth as possible.

Here is a useful parent’s guide to help your child with online learning.

Time Management

First step is to list down your child’s online class schedule. Post it or display where you can easily see it so you can monitor and from there make a plan on how you can manage your time tending to your other tasks like your work from home job, house chores and more.

Make sure your child can be online at the right time by continuing their normal school routine, that is to wake them up at least an hour before their classes begin. Let them make the habit of preparing themselves like taking a bath and eating breakfast before sitting in front of their computer.

Do your grocery errands and other chores like doing the laundry during weekends when your kids are off school.

Learning Space

It is important to set up a suitable learning area in your home. It is recommended to have a desk or table to work at and a comfortable chair to sit on.

Choose a corner where it is well-lit, cool and well ventilated.

Make sure they have the materials they needed for their projects and online activities.

Most importantly, the area should also be free of distractions.

Familiarize yourself with the virtual learning platform

In order for you to motivate your child in remote learning, you must familiarize yourself first with the virtual learning platform.

Make sure you have a good internet connection and make time out to learn and explore educational apps your child will be using for the entire school year.

Encouragement and Support

Bear in mind that your child or children just like you are very new to this new educational platform. Thus, it is important that you monitor and guide them step by step in the beginning until they are well familiar with the process.

They are easily distracted and stressed when they clicked on the wrong button, suddenly disconnected with their online classroom or cannot immediately grasp their lessons, that’s why you are needed to have your patience, teach them not to panic but how to respond when facing a difficulty. So, just sit near them while you also work online or read a book.

Rewards and words of encouragement like well done and good job are some of the conversation openers for your child to talk about the confusing parts of his lessons. Help them understand.

As days goes by, your child will slowly adapt and develop independent study habit and self-discipline to stick to their schedule.

Your child will more likely be interested about learning if you will explain and set clear expectations about what they are about to do and learn on their online classroom. They will be motivated when they feel your support and you value their work.