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Making Sure Your Elderly Loved One Is Eating Right}

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Making Sure Your Elderly Loved One Is Eating Right


Roberto Sedycias

Getting the proper nutrition is important for people of all ages but eating right often becomes difficult for seniors. The elderly, who are the fastest growing segment of the U.S. population, may have a hard time getting all the nutrients required for a balanced diet. Malnutrition often presents itself as weight loss, disorientation, and lightheadedness and is often mistaken for illness or disease. If you take care of an elderly parent or grandparent there are plenty of steps you can take to help them get adequate nutrition as they get older.

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The best way to find out why your loved one is not eating well is to pay attention and ask them questions. Be encouraging of honesty and openness and reassure them that they are not a burden to you or anyone else in your family. Remind them that they are important to you and that you are there to take care of them. Some of the possible causes of poor nutrition include a decrease in sensitivity of the senses of smell and taste. This affects their ability to taste and enjoy food making them less likely to eat food.Another cause is side effects of medications which sometimes reduce appetite, make food taste strangely, or cause nausea. Many seniors are also on fixed or limited incomes and out of worry for money, they may cut back on grocery expenses or eat less-nutritious foods in favor of expensive nutritious food. Seniors also experience physical difficulties as they become frailer with age and deal with arthritis and fibromyalgia. Simple tasks like peeling fruit or standing for a long time to cook a meal become too challenging.Here are some practical tips to ensure that your elderly senior is getting proper nutrition. Offer them nutritionally dense foods because many seniors don’t eat as much as they should. The food they do eat should be as nutritious as possible:Offer whole and unprocessed foods that are high in calories like healthy fats like nut butters, nuts, and olive oil, whole grains like brown rice, whole wheat bread, and whole grain cereals, fresh fruits and vegetables, and protein-rich beans, legumes, and dairy products.Make food that is aromatic and flavorful. As elderly people’s senses become dulled with age, it is important to make foods that smell strongly delicious in order to stimulate their appetite. You can intensity flavors with herbs, marinades, dressings, and sauces. Combine textures such as yogurt with granola and switch between a variety of foods during one meal to keep food interesting.Make eating a family occasion. Depressed seniors who feel lonely and isolated are less likely to take the time to sit down to eat a healthy meal. Sit down with the whole family or invite them over on a regular basis. When mealtime becomes an interesting and fun occasion, seniors are more likely to eat and more likely to enjoy what they are eating.Promote healthy snacks in between meals. Many seniors don’t enjoy large meals so an alternative solution is to plan for several mini-meals throughout the day. Make the meals nutritionally dense with many fruits, vegetables, and whole grains. Cut back on high sodium meals and food with high saturated fat content.

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Books Roberto Sedycias works as an IT consultant for PoloMercantil

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Making Sure Your Elderly Loved One Is Eating Right}

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Winning The Commercial Real Estate Game

Submitted by: Tony Seruga, Yolanda Seruga And Yolanda Bishop

The game of commercial real estate can be won in many ways. It s more of an essay test than true or false. There s definitely more than one correct answer. A large percentage of the world s millionaires earned their wealth through real estate investment. While nothing is a sure thing, real estate offers many opportunities for the savvy investor. Whether you want to build wealth or simply maintain it, there are several strategies that you can implement to get where you want to be. Where should you begin? You don t want to put your hard earned money into a dead market. You want to protect what you ve worked so hard for. Let s look at a few of the more popular methods for investing in commercial real estate.

One of the more classic approaches to commercial real estate investment is the buy and hold strategy. In this maneuver, you buy property that is valued at a fair price. It may be a few miles away from town or outside of a development area. You then simply hold the land for a number of years. While you do this, the city comes to you. Developments are going up all around you. Yours is the last piece of raw land around and every developer in the state wants a piece of it. You, the genius entrepreneur, then sell the land for millions more than you pay for it. It couldn t get much better than this. While this is obviously the ideal scenario, it can work like this. As you know, land is the only commodity that they don t produce any more of. Therefore the price of your land will eventually go up.

While there is a great deal of money to be made in this sort of venture, it can take a long time to mature. This is great for someone who has a big chunk of money that they want to sit on for a few years. There is no set time limit as to how long it will take you to win. You basically have to go with your gut on this one. Should you sell it five years from now for twice what you paid for it? What if in year six, Wal-Mart wants to move in and pay you 10 times what you paid? There is really no way to know. You have to get out when you feel the time is right. Look for the signs around you. If the trends of development in your area are coming towards you, wait for a while. If you ve had the land for ten years and the city that you just knew would be the next boomtown turned into a ghost town, you might want to get out. This strategy can produce a great return and it s a pretty passive source. You don t really have to do anything except buy the land and wait.

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Another great way to invest in commercial property is through the rehab market. This is where you buy a run-down property that needs a lot of work done. You fix it up with a little elbow grease. Then after it s up to par, you put it back on the market and make a tidy profit. This is a growing segment in the real estate industry. There is a definite need for this as property is always getting old. The most important thing to remember in this type of venture is you make your money when you buy the property, not when you sell it.

You must find properties that are undervalued. If you overpay, no matter what you do to the property, you ll still come out behind. You need to find properties that need a lot of work. This has the highest potential for a great return. Don t get involved with a property that just needs a new coat of paint and the yard mowed. This will not make you any money. In fact, you ll most likely lose money. Stick with the properties that need the most TLC and you ll come out on top.

Another popular strategy is that of quick turning a property. This involves finding distressed properties. You search for a great deal that is extremely undervalued. This could be a property that is facing foreclosure or a bankruptcy. Someone may take a significant cut in the price in order to get out fast. This can benefit you, the investor, greatly. You then take the distressed property and put it back on the market quickly. Since you don t have to sell quickly, the property will get fair market value and you can make thousands of dollars in profit. As with rehabbing property, the key is finding cheap properties that you know are worth more. This is where all of the money comes from in this type of transaction. If you know the market, you can do very well with this type of deal.

For investors that already have a good sum of money saved up, there is another form of investment that is very appealing. Professionals who want another steady income can invest in expensive real estate that is already a great performing asset. This could be a luxury apartment complex or condos or any number of properties. The investor then takes over the cash flow that is generated by the subject property. They will most likely leave the existing property management in place and just take the steady cash flow. This is a great form of investment for those that are looking for a passive source of income from their investment. People who would benefit from this are usually very busy and already successful in some other walk of life. They understand that the only way to create wealth is through multiple sources of income. Diversification is the key.

Whichever method of commercial real estate investment you decide on, make sure it s the right one for you. Consider all the factors carefully before making your decision. Just remember that you too can succeed in real estate investment.

About the Author: Tony Seruga, Yolanda Seruga and Yolanda Bishop of

specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.


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Debt Relief For The Elderly And Disabled}

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Debt Relief for the Elderly and Disabled


Robert Zangrili

(Note: this is not to be considered legal advice, and it is dealing with the hypothetical average” elderly and/or disabled person. Each case is unique and to determine the legal ramifications of your individual scenario you should consult an attorney.)

Debt settlement, also known as debt negotiation or debt reduction, is a relatively new way for dealing with your debt problems. In a debt settlement program, by negotiating with a creditor, a client can reduce their debt by as much as 50 percent and be debt free in as little as 12 months. In order to accomplish these savings, however, a client must voluntarily stop paying their creditors. By doing this, a creditor is forced to confront the following question: How can I collect the most money from this past due debtor with the least amount of effort and the least total expense to my company? Typically the answer to this question in the minds’ of creditors is accepting a lump sum settlement for less than the full balance owed.

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Although the vast majority of cases work out according to this framework, as anyone who has ever read a debt negotiation contract can tell you—it’s impossible for a debt settlement company to guarantee that a client won’t be the target of any legal action by their creditors. After all, creditors are always reserved the right to sue debtors to collect a past due account, regardless of whether the consumer is taking any action to resolve the outstanding debt.

That being said, thanks to highly favorable state and federal debtor laws, the elderly and the disabled are very difficult to collect a past due debt from relative to the average American consumer, even if a creditor has sued them in court and won a judgment.

Consider the following situation. Let’s say a creditor has just sued you and won a judgment in court. They now have to execute the judgment in order to actually start collecting the debt. One way a creditor executes a judgment is through wage garnishment. When a creditor garnishes someone’s wages, they automatically (and legally) withdraw a certain percentage of that person’s wages every paycheck (25% after taxes in most states) until the debt is paid off. Fortunately, creditors cannot garnish Social Security, disability, and most pensions (unless the creditor” is the mother of your children and she’s collecting alimony). This being the case, the creditor would probably look for another way to collect the debt. Levying a bank account is another common method for executing a judgment. Again the elderly and the disabled are protected, presuming the bank account’s funds are made up of the deposits from social security, pension, and/or disability benefits.

A creditor is always reserved the right to pursue legal action to collect a past due debt, even if the debtor is elderly or disabled. However, it only makes sense that they’d prefer to accept a settlement for less than the balance, especially if the debtor has no assets or lives in a debtor-friendly state like Texas, Iowa, Florida, Arkansas, Massachusetts, or Oklahoma.

Robert Zangrilli is the CEO of Franklin Debt Relief in Chicago, Illinois. Clients of FDR’s “New Deal”

debt relief

program are able to reduce their monthly payment and debt by up to 50 percent. FDR is a leader in

credit card debt reduction


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