| Three Short Stories on How to Treat People –by B.Boyajian 1. A teacher gave a pop quiz to her students, who were freshmen in high school. Most classmates nailed the quiz, but the last question stumped them. The question: What is the name of the woman who cleans our classroom? One of the students asked if the last question would really count toward their scores. “Yes,” said the teacher. She continued, “You’ll meet many people in your life. All are significant. They deserve your attention, care, and respect.” Most students never forgot that lesson.  2. In the 1960s when costs were a lot less, a 10-year-old boy entered a diner and sat at the counter. He asked how much an ice cream sundae cost. “50 cents,” said the waitress, who was busy with other customers. The boy counted his coins and asked how much plain ice cream cost. “35 cents,” said the now impatient waitress. Counting his coins again, the boy said “I’ll have plain chocolate ice cream.” The boy enjoyed his ice cream and paid the cashier. To the surprise of the waitress, the boy left a 15 cent tip. You see, he couldn’t afford the sundae because he wanted to leave a nice tip for the waitress. Lesson learned by the adult this time.
3. A little girl was suffering from a rare and serious disease. Her only chance of recovery was a blood transfusion from her 5-year-old brother. His parents and the doctor explained the situation to the boy. Somewhat confused, he agreed to give his blood to his sister if she would survive. During the transfusion, the boy asked the doctor how long it would be before he died. Being so young, he thought they would use all his blood to save his sister. Lessons learned: Treat people as you would like to be treated and live life like there is no tomorrow. Bill Business Tips:
Life Tips:
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What Will Matter
Too Many Moves – Investment Was Lost & Forgotten (Scotia Bank Acquisition)
Mauro, moved his family 10 times reinvesting in this market. With these moves both he and his wife simply forgot about their $10,000 saving they had with ING Direct. Withe the many moves upgrading in this booming time, their documents were lost and the monies forgotten. ING Direct was then acquired by Scotia Bank and first announced in late 2012. Scotia Bank in early 2014 changed ING Direct’s name to Tangerine.
With the many moves Mauro and his family had ventured into and with ING Direct being acquired by Scotia Bank and later changing their operating name to Tangerine, Mauro and his wife misplaced their documents and their investor simply lost track of their $10,000 savings account. It isn’t a stretch to understand or see how this could happen.
To Mauro’s saving grace as luck would have it, he received a call from a Consulting Company, out East, who had found these unclaimed money, sitting at the Bank of Canada, that belonged to him and his family. This company told them they could recover the money for him, but at a cost.
Mauro and his wife, were surprised but happy to have received this call. They agreed to pay the fee of 20% to the consulting firm. They have since recovered their money, but not at a cost to them having recovered a portion of their hard earned dollars.
This could have been avoided and these funds never lost if it was documented at The RIP Registry (theRIPregistry.com). The RIP Registry is an online service, at your fingertips as needed when needed. As Mario would have moved from location to location and continued to building his portfolio he would have updated his portfolio, realizing that he had a savings account with ING Direct and these funds would not have been forgotten.
Health Care Professionals, Personal Care, Homemaking, Family Managed Home Care, End of Life Care
Here are some Ontario based programs that are available should you or a friend need some assistance.
Types of services in your home
In-home services are made up of:
1. Health care professionals
You can arrange to have health professionals visit you in your home. They can assess your needs, provide care or help you to care for yourself by providing:
- nursing care – including help to take medications, change bandages and clean wounds, recover from an injury or health problem, check your health, create a care plan
- physiotherapy – including help for back pain, mobility problems, blood circulation, pain relief and relaxation
- occupational therapy – including help to make day-to-day activities easier and make it easier to move around in your home
- speech-language therapy – including stroke recovery for seniors who have difficulty speaking or understanding speech
- social work – including help for caregivers to cope and manage stress, help for families to address conflicts
- healthy eating – including help to assess eating habits and create a healthy eating plan
- home healthcare supplies – including dressings, walking aids, braces, cushions
2. Personal care
You can arrange for health care professionals to help you with your daily care or help you safely manage these activities yourself. They can help you with:
- washing and bathing
- mouth care
- hair care
- preventative skin care
- routine hand or foot care
- getting in and out of chairs, vehicles or beds
- dressing and undressing
- eating
- toileting
- taking you to appointments
3. Homemaking
To help maintain a safe and comfortable home, homemaking services can assist you with routine household activities including:
- housecleaning
- doing laundry
- shopping
- banking
- paying bills
- planning menus
- preparing menus
- caring for children
4. Family-managed home care
For greater flexibility and choice, if you’re eligible, you can receive funding directly to pay for home care services. You are responsible for the related administrative tasks, such as finding, hiring and paying your service providers, but you also have the freedom to choose your provider, direct how they care for you or your loved one and set a schedule that best works for you.
This program is available for the following people with home care needs:
- children with complex medical needs
- adults with an acquired brain injury
- home-schooled children with qualifying health care needs
- those in extraordinary circumstances
Contact your local LHIN to find out if you are eligible and for more information on how this program works.
5. End-of-life care at home
If you or a loved one requires end-of-life care at home, there are many programs in Ontario that can help you. You can request:
- nursing and personal care
- medical supplies, including low-cost medication for seniors through the Ontario Drug Benefit Plan
- tests
- hospital and sickroom equipment
- transportation to other health services
- help to manage pain
- home hospice services – including in-home visits and respite care by trained volunteers
Types of services in your community
Many communities have services just for seniors and other people who may need support to continue living independently at home. You may have to pay a fee for some of these programs or you may find there is funding available. Some of these services are offered only in larger communities. You can find:
- adult day programs – including social, fitness and other healthy activities
- transportation services – for people who don’t have public transportation or need help to use it
- community hospice services – including counselling, support groups, yoga and art classes, grief support
- residential hospices – where end-of-life care is provided in a home-like environment for those who can no longer stay in their own homes. People in residential hospices receive a wide range of palliative services to keep them comfortable.
Exercise and falls prevention classes
These classes help seniors stay active, healthy and independent. They focus on improving strength and balance to prevent injury and falls. They are led by fitness instructors, trained peer facilitators or support workers – not a registered physiotherapist
You may find classes offered in your community or long-term care homes.
To find a class near you call the Seniors’ INFOline:
Need help taking care of your elderly or disabled loved one?
Home care
Home and community services support people of all ages who require care in their home, at school or in the community.
Seniors and people with complex medical conditions of all ages can often stay in their own homes if they have some support.
If you qualify, the Ontario government pays for a wide range of services in your home and community.
If you don’t qualify for funding, you may be eligible for community support services that often have a client co-payment. You can also get help from private companies for a fee.
How to arrange home care and community services
Local Health Integration Networks arrange all government-funded services for people living at home. LHINs are responsible for deciding who receives care, the level of care you need and for how long. These services used to be provided through Community Care Access Centres – or CCACs.
To start this process:
1. Call your Local Health Integration Network
You will be introduced to a case manager or care coordinator.
To contact your local LHIN:
2. Check if you qualify for government-funded services
Your case manager will determine if you qualify.
If you don’t qualify, you may be able to receive services through community agencies, which may require a co-payment.
You can arrange and pay for services through a private company. Your LHIN can help you find services in your community
3. Tell the case manager about your needs
Your case manager will tell you what services your LHIN can provide and what’s available in your community. Government-funded services are delivered by health professionals and personal support workers who are under contract with your LHIN.
4. Arrange a home visit
Your case manager will need to visit your home to assess your health.
If you qualify, your case manager will create a customized home care plan that meets your specific needs. If your needs change, your case manager can reassess your health and adjust your plan of care.
5. Apply for care
If you qualify for government-funded care, your LHIN will coordinate your application and select the provider for you.
To arrange private care, you must contact the service provider directly.
If you don’t qualify
If you don’t qualify for government-funded services and believe that you should, you can appeal the LHIN decision through the Ontario Health Services Appeal and Review Board (HSARB). You can also contact the Board if a service you previously received has stopped or been reduced.
Contact HSARB:
416-327-8512 (Toronto area)
Toll-free: 1-866-282-2179
Prepare for your early retirement
I just came across this and thought it might be of interest…
How to Prepare for an Early and Unexpected Retirement
Keep these tips in mind to prepare for an unknown such as an unexpected early retirement.
By Debra Repya, Contributor Sept. 22, 2017, at 9:13 a.m
Investors should prepare for unexpected early retirement. (Getty Images)
Reaching retirement is something most people spend a good part of their lives carefully planning for, usually with a target date in mind. Whether it’s age 65, 70 or later, there is usually a magic number to “make it to.”
However, like many things in life, expectations sometimes meet reality and plans need to change.
Surprisingly, many Americans are finding themselves faced with the prospect of an early and unexpected retirement. In fact, workers continue to report an expected median retirement age of 65, while retirees report they retired at a median age of 62. Debilitating medical conditions and layoffs from work are two of the primary reasons why retirement might come earlier than planned. In the case of a medical issue, suddenly being faced with a health condition that will not allow you to effectively work full-time, or at all, can bring an abrupt end to a career. Also, as people get closer to retirement, the probability of a health issue arising increases given the aging process.
Layoffs have become an unfortunate but regular part of corporate America, and while anyone could be vulnerable, those closer to retirement might be particularly susceptible. More seasoned and experienced workers tend to come with higher salaries, which can make for easier cost-cutting. There are certainly possibilities for finding a new job, but that may take longer than anticipated. Also, it is not uncommon for those who are let go closer to retirement to struggle regaining employment at all.
For more follow this link:
https://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/articles/2017-09-22/how-to-prepare-for-an-early-and-unexpected-retirement
Retirement isn’t supposed to be stressful, but it can be if you don’t plan properly or the market goes awry. Beginning the retirement investment process at a young age often pays off in the long run. Additionally, mortgage, insurance and health care expenses can change unexpectedly, and it’s important to know how to adapt to those changes after leaving the workforce. U.S. News offers tips for pre- and post-retirement expenses and pitfalls.
Retirement Assessment. Are you Ready?
For you baby boomers or for those who want to retire early:
https://money.usnews.com/investing/investment-and-retirement-guide
Can Alzheimer’s Disease Be Reversed?
The End of Alzheimer’s written by neurologist Dr. Dale Bredesen. In his new book he offers a program to prevent and even reverse this Disease.
I know how this debilitating disease can affect your entire family and become a real encumbrance for the care giver.
My mother has Alzheimer’s and my father is her primary care giver. This is taxing on him. Due to the stress level I fear that my father may pass away before my mother does. Therefore to understand this disease you have to have someone in your family or a good friend with this disease. I am experiencing this first hand and I don’t wish this on my worst enemy.
When I hear there could be a way to reverse this horrific disease I see a glimmer of light and find some hope. I understand there are many people with this disease and with dementia, which many times causes bickering amongst families.
This is the time family must pull together, but more often than not, there are some family members that pull their weight more than others. So we are all different. At this times we have to pull together, reunite for our loved ones, but it doesn’t seem to happen this way.
I will share my story with you at some point, but in the meantime I want to share something that I found very interesting. Where there is life there can also be hope.
I’m not sure whether you have already seen this episode on Dr. Oz, but if you are the primary care giver of someone with Alzheimer’s or know someone who is and who have lost all faith and is despondent, this video may provide some relief and consolation.
Here is the link. Hang On!
https://www.youtube.com/watch?v=D9Eodbgwnnc
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