Seniors & Credit Cards - Family Advice

We were recently approached by someone who's parents credit card habits were creating grave concern.  The debt was piling up just from the interest, and they were at a loss as to anything that

could be done.  There are some steps you can take to help get the ball rolling in the right direction.  Let's look at a few of the most common:
1) Make sure your parent isn’t still using the cards so that they don't accrue additional debt.
2) Review every credit card to see if any other individuals besides your parents are associated with each account. If so, request that their names be removed from any applicable accounts if possible – this will help the other person(s) to retain or salvage their own credit rating.
3) Call each credit card company and request a settlement, which would allow your parents to repay less than what they currently owe, and to do so within a reasonable payment structure.
4) If you’re unable to reach a settlement, seek legal advice. Since your parents are in debt and likely cannot afford a lawyer, you can look for pro bono assistance.  Senior Centers and the local Council On Aging offices are a great place to start with this.
Open and frank discussions will be needed, but remember to not be harsh.  Credit card spending is a temptation that is easy to succumb to.
Bringing useful news to educate our clients is one more way that Home Helpers has been making life easier for over a decade.  Call us today at 704-909-7958.  And as always, you can find us on our website,  Facebook and Google+!

Blow the whistle on Skin Cancer

The following information provided courtesy of Home Helpers of Lake Norman and Central NC. Visit our website at www.homehelpers.cc/lkn58445 , or contact us at 704.909.7958 .

Do you love the warm feeling of the sun on your skin, that warmth you feel all the way to your bones? Do you like being outside walking, gardening, or just reading a book on a park bench? OF COURSE YOU DO! Everyone enjoys being outside and living an active and vibrant life. But what about the harmful effects? Did you know that up to 90% of skin changes that people think are related to aging are actually from the sun?

By now we all know that too much sun can cause skin damage. But what is "too much"? "Too much sun" equals a lot of sun exposure over your lifetime, or more than one bad sunburn. That's right, ONE.

Skin damage, called photo-aging, not only contributes to wrinkles, but can also cause loose skin, a loss of elasticity, as well as lack of firmness. It may also cause your skin to have a leathery texture as well as spots and unevenness in color.

The good news is that your dermatologist has treatments to help you actually repair skin damage. Some options are: laser treatment, dermabrasions, chemical peels, and wrinkle fillers. A dermatologist can also prescribe topical creams or serums that help to reverse some sun damage.

While appearance of your skin may be your primary focus, you should always remember that excessive exposure can lead to skin cancers. There are three common types of skin cancers:

1. Basal cell carcinoma. The most common, rarely fatal, but can be dis-configuring.
2. Squamous cell carcinoma. Another common form with about 250,000 cases and 2,500 deaths per year.
3. Melanoma. The most serious skin cancer, and less common than the first two. Melanoma occurrences are growing faster than any other type. Often found on white males, but affects anyone with fair skin and moles. Early detection can produce a 99% survival rate.

Protect your skin when you are outdoors!
Always check your skin for new moles. A dermatologist can "map" your moles by taking photographs of your skin, and then comparing these over time for changes.
Avoid too much sun. Always use a sunblock with at least SPF 15, wear a hat and long sleeves.
Finally, get a check by a professional and ask questions about your risk, skin type, and any treatments that may be right for you.

Until next time, enjoy your summer!!