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Thursday, February 5, 2026

Honoring the Wisdom of Black Elders Through Financial Literacy

    





A commentary on Aging While Black by Raymond Jetson


During Black History Month, we celebrate the profound contributions of Black elders—individuals who, as author Raymond Jetson reminds us, are “too often seen only through the lens of vulnerability, when in truth they are pillars of ingenuity and wisdom.” His insightful work with the Aging While Black initiative challenges us to look past stereotypes and acknowledge the strength, creativity, and resilience that older Black adults continue to embody in every community.

Jetson’s 2025 book, Aging While Black: A Radical Reimaginging of Aging and Race in America, issues a clear call to action: institutions, advocates, and policymakers must recognize not only the inequities that shape the lives of Black elders but also their enduring leadership. This recognition must be paired with intentional strategies that affirm their value and transform the environments in which they age.

He further emphasizes, “I believe one of the greatest opportunities before us today is engaging older adults as resources to respond to many of the challenges impacting communities across the country while simultaneously making space for and listening to the wisdom that is emerging in younger generations.”

As a Certified Senior Advisor and financial literacy educator, I believe one of the most powerful forms of affirmation is access to financial knowledge. Many Black seniors spent a lifetime overcoming systemic barriers—limited access to wealth-building tools, discriminatory lending practices, and unequal earnings opportunities. Today, for Black seniors, financial literacy education serves as both an empowerment tool and a bridge:
- A bridge to confidently navigate retirement decisions
- A bridge to protect their assets and avoid financial exploitation
- A bridge to pass down generational wisdom and financial stability

Financial literacy honors the legacy of Black elders by giving them the information, resources, and support they deserve to thrive at every stage of aging. When we invest in their financial well-being, we strengthen entire families and communities.

This Black History Month, may we uplift not only the stories of the past but the elders who continue to shape our future—ensuring they are seen, heard, and equipped with the tools that affirm their dignity and economic security.


Author Bio:
Dr. Brenda Oldham, Ed.D., CFF, CSA, is the CEO and Owner of RAM Insurance & Financial Services and the Founder of RAM Educational Business Solutions, where she leads initiatives focused on financial literacy education, workforce development, and financial equity for individuals, entrepreneurs, and organizations. Dr. Oldham serves on the Georgia Advisory Board for the Financial Educators Council and is a Business-to-Business Partner Provider with Oakland Thrive in Oakland County, Michigan, where she coaches entrepreneurs and delivers educational workshops to support business growth and sustainability. A sought-after speaker and media contributor, Dr. Oldham has appeared on Detroit’s WJR Radio station as a guest on Ann Thomas’ Women Who Lead weekly radio program. Brenda also hosts the
monthly podcast Rock Your Finances with Dr. Oldham, where she shares practical financial strategies and inspirational insights.



Blog posting provided by Society of Certified Senior Advisors

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Applying the Montessori Method to Dementia Care

   





The person-centered approach to dementia care prioritizes independence and choice.


A music therapist by training, Leslie Sedille started her career as an activities director at a senior living community. There she found her calling serving seniors and their families. But when she became director of memory care at another company, she struggled to witness how their policies affected older adults with dementia. The facility wasn’t staffed correctly, Leslie recalls, to allow aides and residents enough time to engage at each resident’s own pace. Residents who felt rushed to shower, for example, would refuse to do so because they felt scared.  

“This is just not the way it’s supposed to be,” she remembers thinking. When Leslie found the Certified Montessori Dementia Care Professional® certification, “I was like–that’s me and what my principles are.”

In addition to being a CSA, Leslie is now a CMDCP®.
A CMDCP certification represents an additional level of training for health care professionals, educators, elder care attorneys, care managers, and other professionals who serve people with dementia. The National Council of Certified Dementia Practitioners (NCCDP) offers the certification program as an online or in-person course and exam. 

Montessori care, like Montessori education, is person-centered. “You’re meeting the person where they’re at and adapting what you want to be done to where their skills are,” says Leslie, who is also a member of the Senior Spirit editorial board. “It’s a common sense approach, if you know dementia.” 

The Montessori Method: Not Just for Kids
In early twentieth-century Italy, Maria Montessori developed and started to popularize her now-famous educational method. Today, Montessori schools operate around the world in many variations. All are known for their holistic, child-centered teaching philosophy, wherein the teacher functions as a gentle guide encouraging children’s natural explorations. 

Starting in the mid-1990s, dementia care practitioners and researchers began to see and study the potential of the Montessori method for dementia care. Now, various organizations promote the Montessori philosophy and specific techniques as applied to the care of people with dementia. The Association Montessori Internationale (AMI) promotes Montessori for Dementia, Disability, and Ageing (MDDA). The four key principles of the MDDA method are: 
  • Self-esteem,
  • Independence,
  • Choice, and 
  • Meaningful engagement. 
“Always remember that there is a person behind the dementia,” AMI shares on their website. “We need to look for the person and focus on abilities rather than disabilities. To start, we can learn about their history, culture, lifestyle diversity, strengths, interests, needs, and more.” AMI offers another certification, the Montessori for Dementia, Disability and Ageing Certified Practitioner (MDDACP).

Montessori dementia care practitioners choose activities based on the individual’s interests. Activities use guided repetition and pattern recognition, which rely not on conscious recall, but rather on procedural and implicit memory. These kinds of memory tend to remain intact longer for people with dementia. For a person who was an interior designer, an activity might be to match different samples of wallpaper with borders. 

To promote independence and meaningful engagement, Montessori dementia care also empowers people to do the daily tasks they can still do, given adequate scaffolding and time. For example, providing a visual template for a table setting allows a resident to set their own place by using the image as a guide. In a study, residents with advanced dementia showed more constructive engagement and pleasure after participating in Montessori-based activities as compared to regular programming.

Montessori care requires an active staff trained on the philosophy at some level, says Leslie. “You have to buy into it. You have to be patient.” Supporting people with dementia to complete daily activities at their own pace, not rushing them along, takes great time and patience. But the results, according to researchers and proponents of the Montessori method, are that the people being served will be happier, safer, and more able to live with dignity. 

Both a CMDCP and CSA
Leslie is now a Family Liaison and Care Manager at Paradise Home Health Care in Boca Raton, Florida. In her current role, she uses the skills she learned as a CMDCP  while getting to know families. “I’m asking questions that really get to the heart of who their family member is so we can communicate that to the aide.” That familiarity is key because, with Montessori dementia care, the person providing care needs to understand the individual’s preferences and personality. Leslie asks questions like, “What time does your mom get up?” and “How much can she do on her own?” to prepare her aides to know what the client really needs help with, and what they prefer to continue to do for themselves. In home health care, the goal is that the client still runs their own home, with the help they need. 

Both the CMDCP and the CSA certifications are focused on the well-being of seniors, Leslie says. For her, having both certifications opens up access to different resources, people, and networks. The approaches complement each other. “Being a CSA, it’s not just sales and marketing. When potentials call, I’m talking to them and building a rapport, but it’s the way I talk with them.” She’s listening, providing resources, and speaking to the humanity of the family and their loved one. “Even if they don’t go with us, six months later I’ll get a call.” As a CSA and a CMDCP, Leslie’s approach is wholly centered on the best interest and well-being of her clients. 



Sources:



Blog posting provided by Society of Certified Senior Advisors

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Wednesday, February 4, 2026

Five Tips for Traveling with Pets

  



Lots of seniors are bringing their best friends along on vacation. Plan ahead for a fun, safe, and comfortable trip for everyone. 


More than half of Americans over age 50 own pets, and over half of those pet owners choose to take their pets along with them when they travel, according to a Healthy Aging poll. And why not? As we know, owning a dog or cat has been shown to boost brain health, and our pets are family. As long as we know they'll be safe and comfortable, it’s a joy to bring pets along on life’s adventures. 

If you’re looking ahead to summer and planning a road trip, or maybe even looking to board a plane with your pet, here are some tips for making it a happy and safe journey for both two- and four-legged travelers.

1. Advance planning is key. While there’s no need to plan every pit stop, taking a look at a map for dog-friendly parks and restaurants along your route will make for smooth sailing. Plan on stopping every two or three hours, for twenty minutes or more, to give dogs a chance to get a few laps in. (More frequent breaks are a plus for most older adults, too! Having the dog along will remind you to stop and get your own body moving on long car trips.) Websites like GoPetFriendly and BringFido can help you look at your route and find pet-friendly stops you can plan around. These sites can also point you to local veterinarians at your destination.

2. Flying? Consider the pros and cons. What makes an airline pet-friendly? Most airlines will accommodate your pets, but whether they’re allowed to be in the cabin with you depends on each airline. On almost every airline, if pets are allowed in the cabin, they must be in carriers the entire flight (the one exception we found, for dogs at least, is BARK Air, described below). Consider your dog or cat’s temperament before scheduling any non-essential air travel. Total sedation is generally discouraged because it can be dangerous; most vets will prescribe a mild anti-anxiety drug for air travel. Flying is certainly stressful, but some pets will take it in stride. 

For luxury air travel with your dog, consider BARK Air, a newer company that partners with U.S. air carriers to offer flights where dogs are the VIPs. Your dog rides with you in the cabin, and the whole in-flight experience is tailored to your dog’s comfort and needs. All dogs on the flight are seated (with their persons) according to trained dog behaviorists’ assessment of  pre-flight pup socialization. That level of attention to detail makes for smooth sailing, albeit with a hefty price tag. BARK Air currently flies between New York City, Los Angeles, London, Paris, Lisbon, San Francisco, and Madrid, and flights sell out months in advance. 

3. Pack with care. In addition to the essentials–like plenty of familiar food and treats, bowls for water, and doggie bags–pack favorite blankets, toys, and other comfort items to help make new places feel more familiar. Be sure to pack all your pet’s needed medication and consider bringing a pet first-aid kit–here are some good ones. For long car trips in the heat of summer, a cooling mat can keep pets comfy. 

Before a trip, make sure your pet’s identification tags are secure and easy to read, and make sure their harness and leash are in good repair. Same goes for any crate or pen you plan to bring along. 

4. Drive pet-safe. Most dogs love a car ride. Experts caution that it’s safest for dogs to keep their heads inside moving cars to stay safe from debris and other vehicles. To cut down on distractions and protect against impacts, dogs should be in a crate or secured with a pet seat belt, and cats should be crated while cars are in motion. Dog seatbelt technology has come a long way; today’s products are comfortable and light. Many will double as a harness for walking. 
While it’s common knowledge, it can’t be overstated: never leave a pet in a hot car, even with the window cracked. Heatstroke can happen within minutes. Always err on the side of caution, and keep pets with you on hot days.

5. Take lots of pictures. Your friends and family want to see you and your pet enjoying life in far-flung locales. Don’t forget to post those photos, please!

Sources:




Blog posting provided by Society of Certified Senior Advisors

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Simple Tax Strategies to Keep More of Your Money

 






Review this checklist every February to ensure you are taking full advantage of tax-saving opportunities.


Use this simple one-page guide to reduce your tax burden and keep more of your money. These strategies are easy to understand and implement for seniors, families, and small business owners. 

1. Max Out Tax-Deductible Contributions

Contributing the maximum allowed to retirement accounts like IRAs and employer plans can lower your taxable income while strengthening your long-term financial security. 
  • Increase contributions to your 401(k), 403(b), or traditional IRA.
  • Even a 1–2% increase can lower your taxable income.
  • Check if you qualify for catch-up contributions (age 50+).

2. Use Tax Credits 

Tax credits directly reduce the amount of tax you owe, dollar-for-dollar, making them one of the most powerful tools for keeping more of your money. 
  • Earned Income Tax Credit (EITC).
  • American Opportunity Credit (education).
  • Child Tax Credit (grandparents raising grandchildren may qualify).
  • Energy-efficient home improvement credits.

Where To Turn for Free and Low-Cost Tax Preparation

Tax preparation doesn’t have to break the bank; in fact, many seniors are eligible for free or low-cost tax prep services. Here are a few places to look for affordable tax assistance in your community. 
  • Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE). For more than 50 years, the IRS has funded these volunteer-run programs at local organizations, with a focus on households making under $67,000, taxpayers with limited English, and people with disabilities. TCE specializes in tax issues important to older adults, like Social Security and pensions, but any VITA site should be able to assist with those questions. Use the locator tool to find a VITA/TCE site near you for free tax prep.
  • Your local library. Many library systems provide free tax prep for low-income households, often through VITA. If they don’t offer it themselves, they’ll refer you to other local providers. (Just one more reason to love your library!)
  • AARP’s Tax-Aide program.  You do not have to be an AARP member to take advantage of their IRS-certified volunteer-run Tax-Aide program. They provide free tax assistance to anyone, with a focus on people over 50 years old who have low income. 
    3. Track Deductible Expenses
    Keeping good records of eligible expenses such as medical costs, charitable giving, and business or volunteer mileage can significantly reduce your taxable income. 
    • Medical and dental expenses.
    • Charitable donations (cash, clothing, household goods).
    • Property taxes and mortgage interest.
    • Business expenses (home office, mileage, supplies).
    • Keep receipts in a simple envelope or digital folder.

    4. Review Withholding & Estimated Taxes

    Regularly checking your tax withholdings or estimated payments helps prevent surprise tax bills and keeps your cash flow on track throughout the year. 
    • Use the IRS withholding calculator.
    • Adjust W-4 if you owed taxes last year.
    • Self-employed? Double-check quarterly estimated payments.

    5. Use Tax-Advantaged Accounts

    Accounts like HSAs, FSAs, and 529 plans allow your money to grow tax-free when used for qualified healthcare or education expenses, creating smart savings at any age. 
    • HSA: Save pre-tax dollars for medical expenses.
    • FSA: Use funds for childcare, medical, dental needs.
    • 529 Plans: Tax-free growth for education savings.

    April 15 always arrives before you know it. We hope that by keeping this checklist handy, you maximize your savings for tax year 2025. 


    This article is not intended to be a substitute for professional financial advice from a qualified financial advisor.


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    Monday, February 2, 2026

    Don't Let Subscription Fatigue Get You Down

     




    With so many ways to subscribe, seniors need systems for tracking recurring charges. 


    Feeling the subscription fatigue? These days, we can subscribe to everything from shaving cream to meal boxes, online magazines to smoothie mixes, credit cards to budgeting apps. Understandably, many people are tired of keeping track of what they’ve subscribed to…and exhausted from seeing all those recurring charges on their monthly statements. Let’s review some subscription fees that commonly fly under the radar, and how to recognize and put an end to the subscriptions you don’t really want.

    “Subscribe and Save” purchase options
    Amazon and other online retailers now ask if you want to “subscribe and save”--meaning you’ll pay less now if you pre-order the product for delivery in another 2 weeks or one month. This offer could save you money, if you’re definitely going to need that item again at that frequency. But…are you? Ask yourself the tough questions before hitting “subscribe” to avoid a surprise charge later.

    Printer ink subscriptions
    Depending on your printer and your printing needs, it may make financial sense to subscribe for printer ink (more on that here–it’s complicated). The important thing for seniors and families to know is that ink subscriptions are common these days, and for those who print very little, ditching the printer and its related ink subscription could be a place to save. 

    Donations to non-profits or political candidates
    When making a donation to your favorite charities or political candidates, choosing to “make it monthly” can be a convenient way to provide consistent support to the causes you care about. But only if that’s what you mean to do. It’s best practice for online donation platforms to make “one-time donation” the default choice, so that the individual making the donation would need to select a monthly donation on purpose. Of course, not every entity chooses this best practice, and it can be easy for people who aren’t as familiar with online platforms, including seniors, to make their donation recurring by accident.

    Cloud storage
    Like with printer ink, it can make sense to pay for cloud storage. The key is to pay only for what you need. GoogleOne and Apple iCloud pricing rises with the amount of storage purchased. Phone users may have seen the notice that their phone is almost out of storage and bought the recommended cloud storage right away. Review what you’re paying, how often you’re paying it, and evaluate if that cost matches your needs.

    Old app subscriptions, free trial “zombie” subscriptions, and other “grey charges”
    When you’re pretty sure you canceled that streaming service subscription, and then notice 5 months later that you’re still paying $12.99/month for it– that’s a grey charge. Grey charges are sneaky and sometimes illegal charges that tend to be small enough to run under the radar, and yet add up over time. If you see small, regular charges on your bank account or credit card statement that you don’t recognize, it may be that you downloaded an app that charged you a sneaky subscription fee, or it could be a fee detailed in the fine print of another service. It may be that you really did cancel that subscription, but somehow your request was never processed. 

    It’s in the interest of companies to make recurring fees as easy to accept and hard to detect as possible. This game is stacked against older adults, who may be less familiar with these newer online payment tricks. And for people with cognitive decline, keeping track of recurring fees can be a major challenge. CSAs and loved ones can keep this in mind and help older adults keep tabs on all their subscriptions.

    Ways to Identify Unwanted Recurring Charges
    Knowledge is power when it comes to these unwanted subscriptions and grey charges. 
    • Review your bank and credit card statements every month. If you see a charge you don’t recognize, reach out to the bank or credit card company for help identifying it. 
    • Try an app to help you audit your subscriptions. If you have a lot of active subscriptions–or a sneaking suspicion that you might–consider downloading an app to assist you in reviewing your recurring charges. Some popular ones are Trim and PocketGuard.
    • If you’re concerned about grey charges, set up bank or credit card alerts to notify you of charges under a certain dollar amount.
     
    For most of the subscriptions mentioned above, the ball is in the consumer’s court: you can decide what you want to pay, and cancel the subscriptions you don’t need. But when a company doesn’t immediately cancel the subscription when you ask, or if you can’t figure out what a charge is for, don’t hesitate to contact your bank, the credit card company, and/or the Federal Trade Commission to report suspected fraud.



    Sources:






    Blog posting provided by Society of Certified Senior Advisors

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    Famous & 65

     

    Look who's turning 65 this month

    Find out which celebrities are turning 65 this month!

    February 2

    This longtime sports broadcaster has become the unmistakable voice of New York Yankees baseball for generations of fans. Beginning his career as a newspaper reporter before moving into radio, he joined the Yankees’ broadcast booth in the early 1990s and went on to call some of the franchise’s most memorable moments, including multiple World Series championships. The Bronx native is known for his signature Yankees home run call: “There it goooooes… see ya!” He’s currently the host of a popular daily sports radio show in New York that bears his name.

    Answer: Who is…. (click here to reveal)?

    February 10

    This veteran journalist and political commentator became a familiar face in American media after first making his mark behind the scenes of national politics. He was a senior advisor to Bill Clinton’s presidential campaign, and then became White House communications director early on in the Clinton administration. He later joined ABC News and built a long career as a trusted interviewer and anchor. He currently hosts This Week, ABC’s Sunday morning show, and is a co-anchor with Robin Roberts and Michael Strahan of Good Morning America, the most-watched morning show for over a decade. Back in the 90s, he enjoyed some non-political media mentions on lists of the nation’s most-eligible bachelors. 

    Answer: Who is…. (click here to reveal)?

    February 16

    This British guitarist helped define the sound of 1980s pop-rock, the “New Romantic” era. As the lead guitarist of Duran Duran, he gave hits like “Hungry Like the Wolf,” “Rio,” and “The Reflex” their distinctive bite. During the band’s peak, he also co-founded a funk-driven side project, The Power Station. After departing Duran Duran in the mid-1980s, he pursued a solo career and later collaborated with other rock stars including Robert Palmer. He eventually reunited with his bandmates for the successful Astronaut album and tour. 

    Answer: Who is…. (click here to reveal)?


    February 27

    This Lakers forward became a cornerstone of one of basketball’s great dynasties. Drafted first overall in 1982, the North Carolina native spent his entire NBA career with the Los Angeles Lakers, thriving in the high-octane “Showtime” era alongside Magic Johnson and Kareem Abdul-Jabbar. Nicknamed “Big Game James” (there’s a clue), he earned NBA Finals MVP honors in 1988. Over a 12-season career, he was a seven-time All-Star and won three NBA championships, helping cement the Lakers’ dominance of the 1980s. Inducted into the Naismith Memorial Basketball Hall of Fame, he later transitioned into broadcasting, becoming a familiar voice analyzing the team he helped make legendary.

    Answer: Who is…. (click here to reveal)? 



    Sources:

    Wikipedia





    Blog posting provided by Society of Certified Senior Advisors
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    Thursday, January 8, 2026

    Monthly Internet Bills Are Hard to Read. Broadband Facts Could Help.

        




    Feeling like you need a PhD in cryptology to understand your internet bill? You're not alone. 


    In the past couple of years, you might have seen a portion of your Internet bill that looks surprisingly like a Nutrition Facts label on a box of cereal. These Broadband Facts are a new initiative of the Federal Communications Commission (FCC) intended to make inscrutable Internet bills easier to understand. They include information including monthly rates, how long introductory rates last, additional charges included in the monthly rate, Internet speeds provided, and more. 

    Unfortunately, these labels may be easier to read, but they’re not always easy to find–some companies avoid printing them on paper bills. For those who have gone paperless, the Broadband Facts are sometimes hidden on the company’s website. And the labels themselves can be confusing as they’re currently designed, especially when a customer buys Internet, phone, and cable together. It remains to be seen whether proposed rules to streamline the labels will do more to help or hurt consumer protections. 

    If you’re struggling to understand what you’re paying for now, while we wait for improved billing to arrive, here are some tips to make the best of the broadband payment options we have today.

    Tips to Save Money on Monthly Internet Bills

    Start with doing your best to understand what’s on your bill. Some Internet service providers (ISPs) are worse than others with the tacked-on fees, including data overage charges, late fees, and equipment rentals. If you’re not sure, check to see if you’re paying a monthly fee to rent your modem and/or router (and if you need a refresher on what those even look like, refer to this Senior Spirit article). Purchasing your own equipment can be a smart financial decision in the long run.

    It can also pay to research what’s out there. While ISPs have a reputation for being monopolies, there are usually at least one or two other options for Internet service for U.S. homes. The FCC offers a map where consumers can search by address for ISPs that serve their area. Broadband Now, a company that aims to help consumers find and compare Internet providers, also provides a search tool for every local option. 

    You’ll also want to calculate how much bandwidth you need, and pay for that tier, not a more expensive one. Broadband Now has a handy bandwidth calculator that will help you determine your needs based on how many devices are likely to be in use at one time, and for what purposes.

    Consumer Advocate Paints a Picture of the Broadband Future We All Want

    “Imagine what your experience with your internet service provider would be like if our government insisted on well-done consumer transparency,” writes Chayya Kapadia, Chief of Staff at New America's Open Technology Institute. Kapadia and her team advocate for consumers through policies promoting robust broadband labels and more. She paints a picture of what we should expect from the industry:
    • You would be able to access a label with minimal clicks on well-labeled links on every provider website. 
    • Your label would be printed on your bill every month. 
    • Your internet service provider would proactively mail or email you an annual disclosure of your current service's label, and a notice every time your bill or service changed with the changes clearly marked. 
    • The label would include color-coded context to help you understand what you can reasonably expect to be able to do with your internet service plan. 
    • The label would have reliability and downtime information as well as details on how your service might change during peak usage times. 
    • The label would tell you when and how a provider might degrade service for video or mobile hotspots. 
    • The label would be available in many languages. 
    • The label would mention every subsidy program that you might qualify for. 
    • The FCC’s broadband map—which displays the internet service available at your address—would allow you to click directly to the corresponding labels for the tiers of internet service available at that address, too.

    With equitable Internet service as with anything else, we can’t build it until we can dream it. If you’re not getting the transparency you want from your ISP, advocate for yourself–politely but with a clear willingness to cancel if necessary. Getting the change you want, on your own monthly bill or in the broadband industry as a whole, will take persistence.


    Additional Sources:





    Blog posting provided by Society of Certified Senior Advisors

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    It's All in the Timing: Buying and Using Long-Term Care Insurance

        





    What's the best age to buy a long-term care policy? And how do you know when it's time to start using it? 


    A person turning 65 these days has a 70% chance of needing long-term care (LTC) in their lifetime. Commercials during open enrollment may lead viewers to think that Medicare will cover that long-term care; but that’s misleading. Depending on your plan, Medicare may or may not cover short-term home care, like a one-hour bath visit, after a hospital stay. But it definitely does not cover long-term care. 

    The sky-high cost of long-term care, and the burden that caregiving can place on a family, both contribute to some people’s decision to purchase a long-term care insurance policy. 

    But no one in their twenties or thirties has long-term care insurance (LTCI). So, when’s the right age to start investing in a policy? And for those who bought LTCI and have been paying the premiums, another question arises: how do you know when the time has arrived to actually use it? 

    What does a long-term care policy cover?

    First of all, let’s be clear what we’re paying for when we’re paying between $150 and $500/month for LTCI. A majority of long-term care policies require medical underwriting, but they cover mostly non-medical services. LTC policies generally cover personal or custodial care; that is, support with activities of daily living (ADLs) such as eating, bathing, and dressing. Most also include medical services like skilled nursing care or occupational therapy. LTC coverage may provide accommodation in a skilled nursing facility, and/or provide for a home health aide. Bottom line: policies vary, so it’s essential to review exactly what is covered before signing on. 

    When is the best time to buy a long-term care policy? 

    Most experts recommend buying a long-term care policy in your mid-50s to mid-60s. At that age, most people are likely to qualify for a lower premium, but will avoid paying it for a lot longer than they need to. As women have longer life expectancies, they’ll pay more than men at every age. 

    Don’t wait until after 70 to purchase a policy. At that age, your chances of getting approved at all drop by 50%, and waiting until age 75 could mean your premium is 91% more than that of a 55 year old. (Of course, that 55 year old has been paying their lower premium for an extra 20 years.) 

    A new offering that could be a solid choice, especially for those who are older and have pre-existing conditions that would make traditional LTCI prohibitively expensive, is hybrid LTC and life insurance.  These policies are not exactly use-it-or-lose-it, as unused LTC benefits will be paid out to family members in a death benefit.

    For some people, LTCI may not make sense as an investment if it interferes with other financial goals. Other forms of savings may amount to “self-insurance,” for example, if you have saved enough in retirement accounts or can access equity through a reverse mortgage to pay for long-term care. Always do the math and talk to a financial advisor to determine your specific needs.

    How to tell when it’s time to start using the policy? 

    Unlike with a whole life insurance policy, there’s no cashing out a LTCI policy. In other words, it’s “use it or lose it” when it comes to those benefits. But what’s the right juncture to start drawing on your coverage? 

    One thing to be aware of is the elimination period of 30, 60, or 90 days between the time that a benefit trigger occurs, and being able to receive payment. A benefit trigger is defined by the insurance company and determined by a nurse or social worker. Most often, a benefit trigger is defined through ADLs or cognitive impairment. For example, when a policy holder needs help with two or more of six ADLs, and/or when they’re diagnosed with cognitive impairment, the LTC benefits are triggered.  

    If you think it’s likely that you or your loved one will want to start using a LTCI policy soon, keep in mind that there will be 30, 60, or 90 days during which you’ll have to pay for services–at home or in a skilled nursing facility–out of pocket. The length of the elimination period is one factor to consider when choosing a policy.

    When the policy holder qualifies to file a claim, based on the benefit triggers in place, it can still be difficult to decide that now is the time to use the benefits. Most policies have a lifetime limit of a set number of years, and the policy will be exhausted after the limit is reached. These questions can help with decision-making: 

    • Would I rather preserve benefits for later, or reduce financial strain now?
    • How much longer do I expect to live? (How many years or months do I likely have to draw down the benefits?)
    • Will delaying compromise my independence or safety?
    • Are family caregivers becoming exhausted? Are tasks like bathing or mobility becoming unsafe for caregivers?
    • If I delay, will I be able to financially cover the weeks/months of care during the elimination period?
    • Would it help me to have a case manager to review whether or not a benefit trigger has occurred? (Starting the inquiry doesn’t obligate you to proceed with a claim.)

    None of these LTCI decisions are easy–not for the policy holders, nor for their family members and care partners. But at any stage in the process, it can be a relief to step back, take a look at the big financial picture, and plan together with a financial expert.


    This article is not intended to be a substitute for professional financial advice from a qualified financial advisor.


    Additional sources:
    https://acl.gov/ltc/costs-and-who-pays/what-is-long-term-care-insurance 
    https://acl.gov/ltc/basic-needs/how-much-care-will-you-need 
    https://acl.gov/ltc/costs-and-who-pays/what-is-long-term-care-insurance/what-long-term-care-insurance-covers 
    https://www.aarp.org/caregiving/financial-legal/when-to-buy-long-term-care-insurance/  
    https://www.agingcare.com/questions/when-do-you-start-using-ltc-plan-to-pay-for-care-492398.htm  
    https://acl.gov/ltc/costs-and-who-pays/what-is-long-term-care-insurance/receiving-long-term-care-insurance-benefits 
    https://www.agingcare.com/questions/when-do-you-start-using-ltc-plan-to-pay-for-care-492398.htm 


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    10 Surprising (and Free) Services Libraries Offer

       




    Across the country, public libraries are continuously reinventing themselves to meet patrons' needs.  


    How long has it been since you slapped your library card on top of a pile of books and DVDs at the library counter? In this era of ebooks and online research, many people don’t visit the library as often as they used to–at least, not to check out a physical stack of books. 

    As librarians get creative about ways to keep these public spaces relevant and exciting, people of all generations are finding new reasons to love their local libraries. Here are ten services that libraries are offering now. 

    1. Co-working space. In a way, libraries were the original co-working spaces; that is, places that provide comfortable, open, Wi-Fi-connected desk space for working away from the home or office. These days, co-working spaces are big business, and libraries are jumping on board to offer similar amenities, for free. The Palo Alto City Library system upgraded their buildings to provide more outlets, meeting rooms, and seating for people to bring their computers and work for a few hours. Many libraries provide free or low-cost booking of rooms for community meetings or book clubs.

    2. Career and small business services. Librarians know how to find you the information you need, and that includes guidance on job searches, resume and cover letter resources, and interview techniques. Some libraries, like the Enoch Pratt Free Library in Baltimore, offer job and career coaching, small business counseling, and special workshops like “Content Creation for Social Entrepreneurs.” 

    3. Lending more than just books. Some libraries are expanding their mission and the definition of “lending library” to include not just books and media, but also other in-demand objects. Some libraries lend tools like sanders, electric drills, and toolboxes, saving homeowners and hobbyists money on a tool they might only use once or occasionally. The Harris County Public Library in Katy, Texas runs a seed library, where patrons can browse seeds and take home what they need for their gardens. The Philadelphia Library system even lends out birdwatching backpacks with binoculars and field guides. 

    4. Printing, and help with printing. For those without a printer at home, libraries offer printing, usually at a per-page rate lower than a print shop ($.10 cents/page rather than $0.25, for example). And librarians, those renaissance men and women, are available to help troubleshoot tech issues with printing, document layout, and more. (Plus, they’ll never make you change an ink cartridge.)

    5. Free or discounted tickets to local events and attractions. Dust off that library card to access free or reduced-price tickets to theater productions, sporting events, festivals, and state parks. Libraries and local cultural institutions collaborate to cross-promote their offerings and make tickets available to the families and individuals who wouldn’t otherwise be able to pay full price. Seniors may be able to get especially good deals–it’s worth asking if your local library has a discount ticket program.

    6. Tech classes for different skill levels. For many years now, libraries have provided essential computer labs, Internet access, and tech support to their communities. Many libraries also offer free classes on digital literacy topics from beginner to advanced, like using Microsoft Office, making a website, staying safe online, and using social media. Depending on where you’re located, these classes could be quite intergenerational, with people from many different walks of life joining in. That makes for a fun learning environment, in person or online. 

    7. Volunteer opportunities. Libraries often need volunteers for seasonal projects or ongoing programs. In some towns, Friends of the Library groups associated with a library branch or system raise money together through book sales or special events. These groups can be a great way to give back and get to know other local book lovers.

    9. Makerspaces. Ever wanted to try a 3D printer, record and edit a video, or step into a podcasting studio? Some libraries host makerspaces where artists of any experience level can use tools and devices to express their creativity in all kinds of media. Sometimes called “hack labs” or “hackerspaces,” makerspaces gained popularity about 15 years ago and have since become a whole sub-discipline of library science.  

    10. Fitness classes. Yet another way libraries are reinventing themselves: many branches now offer fitness classes like Zumba, yoga, pilates, and mindfulness. In keeping with the mission of public libraries, these classes are meant to be accessible to everyone, so expect a library-based fitness class to cost little or nothing. 

    11. Research assistance. Yes, everyone knows librarians can help you do research. But be honest: have you taken full advantage of this incredible free service? Librarians can set you on the right track with databases and research tools you never knew existed, to answer questions like: What stories can I find in my family tree? What do I need to know before I buy a house? What’s the history of the street I live on? Not every question is Google-able. Make a librarian’s day and bring a thoughtful research question to the reference desk.

    We could go on! Libraries are also places to learn a language, vote, see an art exhibit, get help doing your taxes, and talk to a social worker. Every library can’t offer all these services, but if you haven’t checked out your own library’s website in a while, take a look. You might save some money and have fun in the process. 


    Sources:






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    Wednesday, January 7, 2026

    Five Wishes: An Accessible Advance Directive

       





    You don't need a lawyer to create a legally-binding advance directive. And CSAs can make this resource a meaningful value-add for their business. 

    It may be mid-January already, but it’s not too late to make a New Year’s resolution. As Senior Spirit reported this past summer, most Americans have not named a health care proxy–that is, the person they want to make health care decisions for them in the event that they can’t make them on their own. If you’re among that majority, resolve to fill out a Five Wishes® document this winter. And CSAs: once you’ve done it yourself, consider how your clients might appreciate a compassionate nudge to do the same.

    Five Wishes is a 20-page booklet, available in print and as a digital document, that walks a person through the way they want to be treated if they become seriously ill. Five Wishes has been around since 1997, and today, there are more than 40 million copies in circulation in the U.S., in more than 30 languages. It’s widely praised, in part because it’s so easy for most people to use and understand. And, when completed correctly, it’s legally binding in 46 states.

    The Five Wishes

    The document is also generally accepted and loved because it leads with compassion and emotion. Before Five Wishes, advance directives were cold legal documents, but Five Wishes includes statements such as “I wish for my family and friends to look at my dying as a time of personal growth for everyone, including me. This will help me live a meaningful life in my final days.” The statements, written in first person throughout the document, can be acknowledged or crossed out by the person, depending on whether they agree with them or not. The Five Wishes are:  

    • Wish 1: The Person I Want to Make Health Care Decisions for Me When I Can’t Make Them For Myself.
    • Wish 2: My Wish for the Kind of Medical Treatment I Want or Don’t Want.
    • Wish 3: My Wish for How Comfortable I Want to Be.
    • Wish 4: My Wish for How I Want People to Treat Me.
    • Wish 5: My Wish For What I Want My Loved Ones to Know.


    Branding Five Wishes for Your Business Practice

    • When ordering paper booklets, you have the option to promote your organization on the back panel. Five Wishes cites a number of reasons to do so. 
    • The positive and compassionate messages reflect positively on your business. 
    • Most promotional materials are used and discarded, but a Five Wishes booklet is kept and shared over years. 
    • By distributing the booklets, especially along with counseling on how and why to use them, you’re providing a valuable service to clients. 
    • To see samples and get a quote, see Custom Print at Five Wishes. 

    For each Wish, the booklet provides statements and space to expand and make specific requests. Even if the person doesn’t add anything, but simply marks off their preferences from the lists, the document will still provide valuable guidance to families and health care providers if it ever needs to be used.


    Who is Five Wishes For? 

    As a legally binding advance directive, Five Wishes is for seniors, of course, and their families and caregivers. But it’s also for adults of any age. Experts recommend that everyone name a healthcare proxy, and Five Wishes lets you record that person along with all the information that person would need in order to make decisions on your behalf with your best interests, and personal wishes, in mind.

    Healthcare professionals also appreciate Five Wishes because it clearly defines their patients’ desires. Health and Human Resources Departments distribute Five Wishes to their employees as a form of employee wellness assistance. The organization that distributes Five Wishes, Aging with Dignity, states on their website that widespread use of advance directives can even help lower an organization’s healthcare costs. 

    Important Legal Considerations

    The document lays out a few important steps that must be followed, depending on your state, in order to make it legally binding. Here are some of them–see the document itself or Five Wishes FAQ for all the information you need.

    • The document must be signed by the person. The person laying out their wishes must sign and date the document. If you don’t, or choose not to, the document still has value as a guide to your wishes for family and health care professionals–but it won’t supplant any existing advance directives you may have, unless signed.
    • It must also be signed by two witnesses who are not related to the person. The two witnesses should not have any conflict of interest with the person, and in most states, that means they should not be related to the person by blood, marriage, or adoption; be a healthcare provider for the person; or be a beneficiary of their will or any other account. They should also be at least 18 years old (19 or 21 in some states). And in certain states, there are special witnessing rules for people who live in long-term care settings.
    • In four states, the document must be notarized. Those states are Missouri, North Carolina, South Carolina, and West Virginia. In other states, it’s not necessary to notarize it.
    • In some states, the person using the document has to take an extra step in order to make it legally binding. Those states are Kansas, New Hampshire, Ohio, and Texas. Other states (Michigan, North Dakota, and Wisconsin) require an addendum. Visit this page https://www.fivewishes.org/states/ on the Five Wishes website to find out more if you live in one of these states.


    Filling out Five Wishes yourself is something you can do for your family and the future you. Providing it for your clients shows you care about them and their families’ well-being, too. What better way to start a new year?





    Blog posting provided by Society of Certified Senior Advisors



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    Tuesday, January 6, 2026

    Celebrities are Caregivers, Too

       



    As rewarding and essential as being a care partner is, the experience can also feel isolating and anonymous. Celebrity caregivers give voice to common joys and challenges. 


    Bryan Cranston, of Breaking Bad fame, lost his mother to Alzheimer's disease twenty years ago. Cranston was moved by the care his mother received in her dedicated Alzheimer's community. “The caregiver is the unheralded hero of humanity,” Cranston said. “I revere caregivers as I do first responders.”

    Earlier this year, Senior Spirit featured celebrities making a difference in the fight against Alzheimer’s disease. This month, we’re looking to famous personalities to learn about their experiences as care partners for loved ones. 

    Queen Latifah
    The actress and musician, famous for her roles in Girls Trip and Bringing Down the House, has shared about the ups and downs of her caregiving experience. In 2018, she lost her mother, Rita Owens, to interstitial lung disease (ILD). In 2020, she appeared in a TV program on A&E, Beyond Breathless, about the disease, along with the New York Yankees’ Bernie Williams, who also lost a parent to ILD. 

    Queen Latifah described her mom as “funny, stylish, fly, cool, and beautiful too.” During the time she was her mom’s caregiver, Queen Latifah said she was working a lot, and the strain was real. She prioritized taking time for herself by going for a walk, watching a sci-fi show, or getting her nails done. 

    “We appreciated being able to be helpful to her, but we knew we had to be able to take care of ourselves too,” she told SELF magazine. “Because we’re in it: We’re in it with the people we love, and we want to have a positive outlook. We’re in for this fight, for them.”

    Henry Winkler
    “The Fonz” was a long-time caregiver. After Winkler’s mother suffered a stroke in 1987, he and his sister became her caregivers for the next 10 years until her death. As his mother was dealing with chronic pain due to limb spasticity, Winkler was there to ease her way. “My hat is off to caregivers. My respect is at full tilt for caregivers,” Winkler shared. “The dedication, the patience, just the wear of it all to consistently take care of somebody else—that’s a hero.” 

    Taylor Swift
    Superstar Taylor Swift was by her father’s side, along with her family, for weeks in the summer of 2025 after he underwent quadruple bypass surgery. “My brother, my mom and I were each taking shifts in the ICU and staying with him 24/7,” she told AARP. Once her father was able to return home, he needed a lot of new equipment to help him move around at home during his recovery. “I’m building his shower chair and his walker and his bed,” Taylor said. “It’s just surreal, man. We just all moved in with him the whole summer, pretty much.” She says he’s now doing very well.

    Rob Lowe
    In his thirties, actor Rob Lowe and his brothers cared for their mother through her stage 4 breast cancer diagnosis. He often felt overwhelmed dealing with medical paperwork and coordinating in-home care. Since then Lowe has made it a mission to raise awareness about the challenges caregivers face. He’s partnered with the nonprofit Embracing Carers to promote fair workplace policies for care partners, and has authored op-eds in U.S. Today and elsewhere. 

    “When you’re caring for a loved one,” Lowe writes, “there’s nothing you won’t do (or sacrifice) to give them as much comfort and peace of mind as you can possibly provide. Often, that means you’ll skip your social obligations, wreck your diet, suffer sleep deprivation, and even risk your career, all to help a loved one through the most difficult time of their life.” Self-care and supportive networks are essential, he says, for individual care partners, the people they care for, and the whole community. 





    Blog posting provided by Society of Certified Senior Advisors

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    Saturday, January 3, 2026

    Famous & 65

         

    Look who's turning 65 this month

    Find out which celebrities are turning 65 this month!

    January 12

    This distinguished British stage and screen actor is widely regarded as one of the greatest classical performers of his generation; in fact, was knighted for his services to drama. A longtime mainstay of the National Theatre and Royal Shakespeare Company, he has delivered acclaimed performances in roles ranging from Hamlet and Macbeth to Ariel in The Tempest. He earned a Tony Award for his tour-de-force performance in The Lehman Trilogy. You might recognize him from T.V. series such as Penny Dreadful, Vanity Fair, or, most recently, House of the Dragon. His film career has accelerated recently as he nears the traditional retirement age of 65–he appeared in two feature films in 2025, including Downton Abbey: The Grand Finale, and has two more movies in post-production.

    Answer: Who is…. (click here to reveal)? 

    January 13

    Anyone who has ever asked the person in the adjacent bathroom stall if they could “spare a square” knows whose birthday we’re talking about here. She achieved legendary status as Elaine on Seinfeld, where she has too many iconic moments to count as the slightly misanthropic but wholly relatable New Yorker. She later led the ensemble of The New Adventures of Old Christine, and then, in Veep, she starred as the caustic, ambitious Selina Meyer, Vice President. She’s won more Emmy and Screen Actors Guild Awards than any other actor. She received the Mark Twain Prize for American Humor in 2018 and, in 2021, the National Medal of Arts. In 2023, she started a podcast, Wiser Than Me, on which she interviews women older than her for their life perspectives and views on getting older. It was one of the top 3 podcasts in the U.S. in 2024.

    Answer: Who is…. (click here to reveal)?

    January 18

    This legendary NHL forward had a 25-year hockey career. Beginning with the powerhouse Edmonton Oilers of the 1980s, he helped capture five Stanley Cups alongside a roster of future Hall of Famers, earning a reputation as one of the league’s most complete and competitive players. Later, he joined the New York Rangers and led the team to its first championship in 54 years. A six-time Stanley Cup champion, two-time Hart Trophy winner, and one of the highest scorers in NHL history, he was known for elevating both his own play and that of everyone around him. His son, Lyon, followed in his footsteps to become a celebrated NHL player in his own right.

    Answer: Who is…. (click here to reveal)?


    January 26

    Two of hockey’s greatest-ever players were born just a few days apart. This Canadian hockey phenom is known for his uncanny vision on the ice and staggering career records. After breaking into the NHL as a teenager, he dominated the league with the Edmonton Oilers in the 1980s (alongside his birthday month buddy above), capturing four Stanley Cups and redefining what offensive excellence looked like. Later stints with the Kings, Blues, and Rangers added to his legend. By the time he retired, he held more than 60 NHL records—including most career goals, assists, and points—many of which are considered untouchable. Nicknamed “The Great One,” he became the first player in NHL history to have his number, 99, retired league-wide. 

    Answer: Who is…. (click here to reveal)?




    Sources:

    Wikipedia





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    Thursday, December 11, 2025

    The Latest AI-Powered Trend: Surveillance Pricing

         



    Are you paying more for plane tickets or hotels because of your browsing history? 


    Corporations have long used personal data to target ads to specific individuals. Now, with AI-enabled surveillance pricing, two people might be seeing the same targeted ad, for the same product–with different prices. 

    Unlike dynamic pricing, which is a feature of open markets and involves prices rising for everyone at peak times based on demand, surveillance pricing involves companies setting a personalized rate for each consumer based on that person’s collected data. That data can reveal your location, income, purchase history, and more.

    This practice is already in place, and companies are now using it more frequently. A Federal Trade Commission report from January found that companies can even use your mouse movements on online retailers to infer your buying habits and purchasing power, and use those as factors in setting your personalized price. With this tactic on the rise, it’s time to learn how to recognize surveillance pricing and what you can do about it.

    Where Price Point Meets Pain Point

    In July, Delta Airlines said that they used artificial intelligence to determine 3% of their domestic fare pricing. By the end of the year (now), their goal was 20%. What does it mean for an airline to use AI to set prices? Delta, and likely other airlines, are going beyond just incorporating general factors that affect anyone–like holidays, storms, and fuel prices. Instead, AI enables them to tailor a price to each individual based on their personal data. 

    Hotels and online travel agencies are taking the same approach. SFGate reporters found that online travel sites priced the same New York City hotel room at $829 for someone with a Bay Area IP address, and $318 for someone located in Kansas City. Most likely, the logic behind that $500+ difference in price is that a person who can afford to pay Bay Area rent can, and will, pay the higher rate for the hotel room. 

    Another example of surveillance pricing already documented in action is on ride-sharing apps. “It’s not entirely clear,” said former Federal Trade Commission Chair Lina Khan, “but researchers ran tests and found that riders with lower battery life on their phone were charged more.” She says that through surveillance pricing, companies assign individuals a “pain point”: in other words, the maximum that person is willing to pay for the product or service in their specific moment of need. Companies that can identify and charge a person’s exact price (pain) point will increase their revenue.

    The Near-Future of Surveillance Pricing

    Consumer advocates argue that marking up prices due to personal misfortune is deeply unethical. “Imagine this,” writes policy analyst Jay Stanley of the ACLU. “A family member has died, and attending their funeral is very important to you. Somehow—you don’t know how—the airlines know this about you, so when you go to buy a ticket they jack up their prices, forcing you to pay more for the same flight than other people.”

    Yet Aradhna Krishna, a Professor of Marketing at the University of Michigan, doesn’t see this new capability as all bad. What if companies charged the wealthy more and poorer families less for the same service–wouldn’t that function as a “private-sector progressive tax system” and contribute to wealth equality? As she points out in The Conversation, it’s all about how surveillance pricing is regulated and implemented. As with so many AI-powered technologies, state and federal agencies are only just mapping out the new landscape, and policies will follow.

    How to Avoid Paying More

    For now, consumers can take a few steps to guard against exploitative surveillance pricing. First, share less data. One way to do that is to use a personal VPN, or virtual private network, which masks your physical location. Use Incognito or Private mode so your browsing history isn’t saved. You can also clear your browsing history regularly to make it harder for surveilling companies to read. 

    If surveillance pricing practices take root, comparison shopping will become essential. That means checking prices on your phone in one browser and on your computer in a different browser, or asking your friend in another city to check the price for you. 

    Whether or not surveillance pricing becomes yet another price we pay for the convenience of online shopping, time and legislation will tell.



    Additional Sources:


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