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The cost of long-term care varies by care setting. The average cost of a private room in a nursing home was $229 per day or $83,585 per year in 2010. Less than one-fifth of older people have the personal financial resources to live in a nursing home for more than three years and almost two-thirds cannot afford even one year. Medicare provides coverage in a skilled nursing facility to older and disabled patients for short time periods following hospitalization. Medicaid covers long-term care in certified facilities for qualifying low-income seniors. In 2006, Medicaid paid for 43 percent of long-term care.

Older Americans, prevalence of chronic disease has risen, and many older Americans are unprepared to afford the costs of long-term care in a nursing home, according to a report from the U.S. Census Bureau commissioned by the National Institutes of Health.

Research based on NIA’s Health and Retirement Study suggests that the prevalence of chronic diseases, such as high blood pressure, heart disease, chronic lung disease, and diabetes, increased among older people between 1998 and 2008. For example, in 2008, 41 percent of the older population had three or more chronic conditions, 51 percent had one or two, and only 8 percent had no chronic conditions.

Most people who die from hyperthermia each year are over 50 years old. Health problems that put you at greater risk include:

* Heart or blood vessel problems, poorly working sweat glands, or changes in your skin caused by normal aging.

* Heart, lung, or kidney disease, as well as any illness that makes you feel weak all over or results in a fever.

* Conditions treated by drugs such as diuretics, sedatives, tranquilizers, and some heart and high blood pressure medicines. These may make it harder for your body to cool itself by sweating.

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Heat stroke can be life threatening:   You need to get medical help right away. Older people living in homes or apartments without air conditioning or fans are at most risk. So are people who become dehydrated or those with chronic diseases or alcoholism.

Heat exhaustion is a warning that your body can no longer keep itself cool. You might feel thirsty, dizzy, weak, uncoordinated, and nauseated. You may sweat a lot. Even though your body temperature stays normal, your skin feels cold and clammy. Some people with heat exhaustion have a rapid pulse. Rest in a cool place and get plenty of fluids. If you don’t feel better soon, get medical care. Be careful—heat exhaustion can progress to heat stroke.

Heat edema is a swelling in your ankles and feet when you get hot. Putting your legs up should help. If that does not work fairly quickly, check with your doctor.

Heat cramps are the painful tightening of muscles in your stomach, arms, or legs. Cramps can result from hard work or exercise. While your body temperature and pulse usually stay normal during heat cramps, your skin may feel moist and cool.

These cramps are a sign that you are too hot. Find a way to cool your body down. Rest in the shade or in a cool building. Be sure to drink plenty of fluids, but not those with alcohol or caffeine. Caffeine can cause you to be dehydrated.

There are many types of insurance a person needs such as auto, home, health, and dental just to name a few. So here are some tips that may help you in saving money on the cost of insurance.

1) Shopping rates: Make sure to shop out your insurance each year to confirm you are still get the best price for your benefits. Before renewing your existing policies each year, check out the rates of competing companies. See if it cheaper to pay the plan annually compared to monthly (Often times companies will provide a discount for paying in full for the year vs paying monthly.)

2) If possible think about raising the deductibles on auto and homeowners’ insurance: Being willing to pay $500-1,000 on a claim, rather than only $100-250, can reduce annual premiums by as much as several hundred dollars.

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Prescription drugs can start to become very costly here are just a few tips that may help you save some money off your prescription drugs

*  Ask your physician if generic drugs are an option. Generic drugs can cost several hundred dollars less to purchase annually than brand-name drugs.

* Shop out for the lowest-cost place to purchase prescription drugs. Make sure to check out not only your local pharmacist but also local supermarkets, area discount centers, and mail-order pharmacies.

* Purchase store brand over-the-counter medications. Store brand medications often cost 20-40 percent less than nationally advertised brands. The savings could easily exceed $100 a year.

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11) Save money on your grocery shopping: In a prior post about saving money we talked about avoiding impulse shopping.  The local grocery store is one place where we tend to buy items we where not shopping for. Therefore one good way to save money on your next grocery shopping trip is to make a list and stick to it.

People who do food shopping with a list, and buy little else, spend much less money than those who decide what to buy when they get to the food market. The annual savings could easily be hundreds of dollars.

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10) Eating out: If you eat out often try cutting back one time a month each month. If it costs you $25 to eat out, but only $5 to eat in, then the $20 you save each month allows you to save $240.00 a year.

9) If enjoy going to your favorite coffee shop daily try cutting back to once or twice a week or instead of buying the more expensive coffee drinks change to the house coffee. The $2.00 to $3.00 a day you could save by buying a house coffee rather than a cappuccino or latte would allow you, over the course of a year, to completely fund a $500 emergency fund.

8) Keep your goal with reach: One thing too many people do is set their goals to high at the on start.  Aim for short-term savings goals, such as setting aside $20 a week or month or 2 – 3 percent of your monthly income. You want to save money without feeling like it is a hardship for you to achieve. Then when you feel like you can start saving more a month do so.  People save more successfully when they keep the short-term goal in sight.

7) Taking care of your oral health:  It really does pays to practice preventative dental care, since a good cleaning routine helps prevent fillings, root canals, and dental crowns, which cab become very expensive and no fun.

Another way in which to keep your dental care cost lost is by having a low cost dental insurance plan. You may want to compare dental insurance plans at and decide which one is right for you and your family.

6) Be prudent when using debit and credit cards. To avoid interest charges, try to limit credit card purchases to amount you can pay off in full at the end of the month. If you use a debit card, do not rely on an overdraft feature to spend money you know you do not  have. With either approach, you will have more money available for emergency savings.


5) Know where your money is going: How many times have you though at the end of the month where has all your money gone? In order to save money you need to know where your money is going, there fore at least once a month, use credit card, checking, and other records to review what you have purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.

4) Avoid Impulse Shopping: Though many of us will buy a few impulsive items while shopping you never want to purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Acting on this principle will mean you have far fewer regrets about impulse purchases, and far more money for emergency savings.

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