HERBS FOR HEALTH MANAGEMENT

Herbs are a foundational root in medicine and health treatments, dating back thousands of years throughout every culture around the world. Modern Western herbalism comes from ancient Egypt. The Greeks developed a comprehensive philosophy of herbal medicine by 100 BCE and the Romans built upon it to create a variety of medical practices, some of which are still used today.

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ALTERNATIVE MEDICINE IMPACTS PSYCHOLOGICAL HARDINESS

Psychological hardiness is an individual’s resistance to stress, anxiety and depression. It includes the ability to withstand grief and accept the loss of loved ones. Alternative medicine is a more popular term for health and wellness therapies that have typically not been part of conventional Western medical approaches but are often used along with conventional medicinal protocols.  Coping and dealing with stress in a positive manner play a major role in maintaining the balance needed for health and well-being.

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ALTERNATIVE REMEDIES FOR ANXIETY AND DEPRESSION

Interest in complimentary and alternative medicine (CAM) is increasing as consumers and health care professionals search for additional ways to treat anxiety, depression and other mental health disorders. Some of these remedies include:

St. John’s Wort.  More than 30 studies show it to be effective for treatment of mild forms of depression,…

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(before they called me, of course). If you could be sure of the average cost, you might not be concerned. The problem lies with the extreme. The only limit on how much money you might have to spend on full-skilled nursing care is the size of your balance sheet. If you are worth $2 million, that’s how much money your family might have to spend.


In reality, not everyone who ends up in a nursing home will have to go broke there. There are basically three ways you won’t go broke in a nursing home. First, have so much money there is no way you could possibly spend it all on nursing home care; second, hurry up and die before your money runs out; and third, hire an experienced Elder Law Attorney to help you preserve your assets for your family.


Very few people are in a position for the first strategy to be an option. Therefore, if your choices were between the second and third strategy, which would you choose?

Over the next 20-plus years, there is going to be a massive transfer of wealth. For most people, this is an unavoidable transfer. Politically speaking, no one will be happy about it. Even the staunchest Socialists will lament this transfer. By definition, this transfer will not hurt the poor, but it also won’t help them either. In fact, the poor in this country will not see a single cent of the transferred wealth. Joe Biden will not be to blame. Donald Trump will not be to blame. Russian collusion, Chinese hacking, Black Lives Matter and the Proud Boys will likewise not be to blame.


The culprit of this massive transfer of wealth can only be laid at the feet of an aging population and the exorbitant (and growing by the day) cost of long-term care. Depending on where you find your statistics, there are between 10,000 and 12,000 people who turn 65 years old every day. Another interesting statistic is that 60 percent to 70 percent of those lucky Americans who reach the age of 65 will need some form of long-term care before they die. That brings me to my original statement: Over the next 20 years, there is going to be a massive transfer of wealth. The wealth will not be transferred to Gen Xers from the Baby Boomers (even though over 59 percent of Boomers still support their adult children). The wealth will be transferred to assisted living communities and nursing homes.



THE INEVITABLE TRANSFER OF WEALTH AND HOW TO AVOID IT

If you have read any of my previous articles, you will know that I am a huge advocate for assisted living communities. They are a great solution for maintaining a good quality of life as we get older and start to lose our physical and mental abilities. However, they can be quite expensive. As expensive as they are, they don’t hold a candle to nursing homes. Nursing homes can be two to three times more expensive than an assisted living community. No matter how nice they are, if you find yourself in a nursing home, your quality of life will not be something to be envied.


As we approach age 80 years, we have a 50-percent chance of going to a nursing home before we die. The average stay in a nursing home is approximately 2.5 years. The average cost of a nursing home is approximately $85,000 per year. Doing the math, we each have a 50-percent chance of spending $212,500 on nursing home care before we die. For a married couple, there is a 75-percent chance of spending $212,500.


If it doesn’t concern you to spend $212,000 on nursing home care, how about twice that? I have clients who have spent over $1 million on nursing home care