January 14, 2020

How Caregivers Can Protect Seniors from Phone and Internet Scams

Filed under: Finances,Senior Safety — Tags: — seniorlivingguide @ 2:56 pm

As a caregiver, you are committed to keeping the seniors in your life safe from harm. With an increasing number of scams targeting seniors, it is more important than ever to learn how to stay safe.

Seniors lose billions of dollars a year due to these scams and many of these cases are never reported due to embarrassment or shame.

Caregivers can help protect against scams by teaching seniors the warning signs. Every call or email should be scrutinized to make sure that it is legitimate.

Common Scams to Look Out For
There are a ton of phone and internet scams that target seniors. Remember scammers are professionals. They know just what to say and how to say it to convince you into doing something you would not normally do.

Here are some of the common scams to look out for and warn your seniors about.

  • Romance/Sweetheart scams: these scams use online dating sites or social media to trick seniors into a romantic relationship before asking them for money
  • Lottery/Sweepstakes scams: this involves an email or call that claims the person won something (a new car or money) or is the beneficiary of an inheritance, they are manipulated and coerced to believe taxes must be paid ahead of time to receive the funds
  • IRS scams: scammers pretend to be the IRS, Law Enforcement and FBI agents stating there is a warrant out for your arrest and ask for payment by gift cards or money transfers
  • Grandparent scams: this is a call from a scammer that claims your grandchild or family member is in trouble and asks for immediate payment to help them
  • Text Message or Voicemail scams: these scams may ask for personal information or leave threatening messages

Tips to Keep Seniors Safe
A good rule of thumb to live by is that if it sounds too good to be true, it likely is. So make sure seniors know a sudden call or email which claims you’ve won money is likely a scam.

Scammers often set up fake social media accounts and take time to earn trust before they ask for money. Make sure seniors know they should never wire money, purchase gift cards, or send other expensive items to someone they don’t actually know, even if they have talked online.

Show seniors examples of phishing emails that mimic the IRS or Social Security Administration. Get them into the habit of checking every link before they click on them or open attachments, as they could be malicious. Also they should have the actual phone numbers of these important agencies so they can reach out directly with questions instead of responding to an unexpected email or call.

Make sure seniors know not to provide information via phone, especially a call which again they did not initiate themselves. It is always better to hang up and call the organization directly.

Being proactive about monitoring phone calls, emails, and text messages is the best way to prevent falling for a scam. If you or someone you know has fallen victim to a scam, report any concerns to your local law enforcement agency.

Sponsored by: Suncoast Credit Union

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January 8, 2020

Five Reasons All-Inclusive Senior Living Makes Sense

Sponsored by: Resort Lifestyle Communities

All-inclusive resorts have been around since the 1950s when the French-based Club Med introduced the concept to their guests. When people learned about the perks of an all-inclusive stay that would simplify vacation budgeting, the idea really took off. Since that time, countless vacation destinations, cruise ships, and even retirement communities have adopted the all-inclusive model.

For more than two decades, Resort Lifestyle Communities (RLC) has offered residents a luxurious, all-inclusive lifestyle that provides a relaxing and worry-free retirement. For many, financial considerations are a priority. Here are five reasons that all-inclusive living with RLC simply makes sense.

  1. Budget Simplicity

When your rent, utilities, meals, and entertainment are all covered with a single monthly cost, it’s much easier to map out your personal finances. You won’t have the fluctuating costs of heating and cooling your home, and you don’t have to pay for big-ticket surprises, like when your water heater fails or your dryer decides it’s had its last spin. Perhaps even more importantly, RLC’s all-inclusive monthly cost is transparent. No hidden fees! Some senior communities require a nonrefundable entrance or community fee, which is sometimes referred to as your “buy-in.” Because RLC values a worry-free lifestyle in every aspect of our business, they don’t charge buy-in fees or require you to sign a long-term lease.

  1. Effortless Healthy Eating

Meal planning, grocery shopping, and preparation can make getting three square meals a day tedious and time-consuming. With an all-inclusive lifestyle, you never have to cook unless you want to! RLC offers a signature Freedom Dining program that includes an all-you-can-eat buffet, or a fine dining experience that mimics that of a luxury resort. Professional chefs provide three wonderful, nutritious meals each day, anytime you like. And if you need a snack in between meals, their 24-7 chef’s pantry is the place to go!

  1. Free Time to Celebrate Life

Time is one of life’s most valuable commodities. When activities or chores like cooking, cleaning, or maintaining a home are done for you, that means you have more time to spend on the things you enjoy most. You can invest in meeting new friends, trying new activities like yoga, taking up new hobbies, and sampling new foods from our executive chefs. The possibilities are endless! Some RLC residents have even joined Wii bowling leagues together.

  1. Quality Conveniences

Another benefit that’s somewhat unique to RLC is the quality of services you get for your money. Residents’ comfort, safety, and enjoyment are their top priority. In order to support residents in these ways, their all-inclusive pricing includes convenience amenities, like access to live-in managers, a 24/7 emergency alert system, concierge service, gourmet chefs, housekeepers, maintenance staff, a full-time lifestyle director, and so much more. The cost of acquiring these services outside of a senior community would far outweigh the cost of your all-inclusive monthly payment at an RLC community.

  1. Things Money Can’t Buy

All-inclusive living also offers things money can’t buy. The ability to keep your beloved pet, the many friendships you can create, the feeling of freedom from chores, and daily access to delicious food (that you don’t have to cook), are just a few. When you add it up, all of these benefits equal a life of ease with the freedom to do as much or as little as you want. So, go to that happy hour, try a new fitness class, take a trip to the mall with friends, or relax and take a nap. You can live your life to the fullest – and it’s all included!



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