senior-finances

Fighting the Wilderness for 40 Years - from csa.us

Fighting the Wilderness for 40 Years - From csa.us

In the late 1960s, Vicky Hoover began leading backpacking trips for the Sierra Club in the Sierra Nevada Mountains of California. Forty years later, after leading countless outings and efforts to save wilderness, she was honored with a Wilderness-Forever Future Award from the Sierra Club.Born in Manhattan, Vicky found her way to California where she started hiking in the Sierras with her husband and young children in 1967. Soon, she and her husband Bill were climbing peaks and leading Sierra Club outings, starting with family-oriented burro trips. By 1981, she had climbed all 247 peaks in the Sierras, but soon extended her love of wilderness to Alaska, Utah and New Zealand.Vicky’s training as a wilderness advocate began in 1985 when she moved to San Francisco and took a part-time job at the Sierra Club office, where she learned the basics of wilderness politics, grassroots organizing and effective lobbying. She started out mobilizing people in the lower 48 states to support wilderness protection in Alaska, particularly the Arctic, and later worked to help pass the California Desert Protection Act, which designated 69 wilderness areas and created Death Valley and Joshua Tree national parks as well as the Mojave National Preserve. Her efforts succeeded in getting 14 counties to pass resolutions in favor of the bill. “Fourteen out of 58 may not seem like a lot,” she said, “but they were the counties with the majority of the population. They were the ones that counted” (from Great Old Broads for Wilderness).In the mid-1990s, Vicky worked to defeat the Utah Public Lands Management Act, viewed by many as an anti-wilderness bill. Her role was to set up volunteer phone banks, and the bill was defeated in 1996. After that success, she started the Sierra Club’s California/Nevada Regional Wilderness Committee, monitoring upcoming legislation for wilderness and new threats and management issues on already designated lands.In the wilderness excursions she leads, Vicky teaches participants about wilderness issues and advocacy, often involving some kind of service, such as removing invasive Russian olive trees near Utah’s Escalante River or building barriers in Nevada to protect wildlands from off-road vehicles.As a wilderness advocate, she has worked methodically over months and years, building relationships with sympathetic federal agencies and legislative staff. Of her ability to stay committed over long periods of time, never appearing to get discouraged, Vicky says, “I don’t think of it as dedicating myself to a cause; the cause is not separate from me—it’s part of my life. It’s what I am” (from The Yodeler ).Sources“One Woman’s Amazing Work,” Coming Clean blog, Sierra Club“Sierra Club Volunteer Vicky Hoover Honored with A Wilderness-Forever Future Award,” Sept. 17, 2014, Sierra Club“Tireless wilderness advocate: the Bay Chapter’s Vicky Hoover,” Sept. 9, 2014, The Yodeler“Broad in the Background: Vicky Hoover Wilderness Educator and Advocate,” Great Old Broads for Wilderness

From: http://www.csa.us/wp-content/uploads/1214seniorspotlight-custom.html


fyeahlou asked:

Ok. I'm a senior finance major, and finance CAN be super confusing...if you're trading derivatives or learning equations for the inner working of a bank. Taxes, for almost all teenagers, are ridiculously easy. If you can't figure out turbotax (?), Google the program VITA. And if you want to save money, open a savings account. Like how hard do these people think it is to just have money?? They don't even have to manage it, they all live with their parents with no expenses.

Sogang Business School Buddy

Here at Sogang University they have two programs for exchange students - HUGs and the Business Buddy. They are basically the same thing except, obviously, only business students can have the business buddy. So what these programs do is they partner an exchange student with a student from Sogang who helps them get adjusted to life in Korea. The HUG buddy helps with everyday life and the Business Buddy does the same thing, as well as help you with the Business aspect of classes. 

I was really skeptical about these programs because I have read a few times on Tumblr (from past students) that these programs weren’t really all that great and that the students were just there to party and have fun, but I just came back from a really nice lunch with my Business Buddy and, I can say with absolute confidence, that my buddy is amazing - ahhh-mazing.

My Business Buddy is a senior at Sogang in Finance and he went above and beyond to help me get started in Seoul. 

I don’t think I’ve told you this but I ended up going to Korea a week before dorms at Sogang started so I am currently staying at a guesthouse and before I left for Korea, like the day before, my buddy e-mailed me and we exchanged KakaoIDs to keep in touch. 

I went to Korea during Lunar New Years so everybody was going home and celebrating with their families but when my buddy found out I was arriving early, knowing that I would be alone for the duration of the week, because this is my first time here and I don’t know anyone at all, he told me that he would be coming to Seoul on Saturday so we can talk and get to know each other. 

He was such a sweetheart. I even found out that he went on the bus for an hour or so to get to Seoul and pick me up from the station because he spent Lunar New Years in the “southern” part of South Korea, if that makes sense. 

We went to eat 떡볶이 and 팥빙수. He told me about school life, how to work the subway, his student life, and just some random things. He was really nice and very sweet. I think I was really lucky to have him as my buddy.

When I thought about having a buddy, I imagined we would meet during orientation but because he met up with me before and we got to talking, it made things really easy for me and I really appreciate everything that he did for me today. 

So, don’t always push something away just because it didn’t fit right with others. I realized that I am always relying on other peoples opinions rather than find out on my own because that’s just who I am but since being in Korea is a once in a lifetime chance, I don’t want to see things through other peoples eyes I want to see it on my own, experience it, and judge it from my own point-of-view. 

I mean, that was one of my goals of study abroad. Get out of that bubble I am always in and enjoy what the city has to offer. Don’t hold back and take a leap because you never know what’s out there.

Just to put it out there, if you go to Sogang or any other university that has a buddy program don’t just choose not to do it because you don’t feel the need to. The other person might just become your best friend and even if it doesn’t work out in the end, at least you made that decision and if you regret it - that’s just how life is. 

Family Money Fights —

5 Tips for Family Finance Conflicts

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“If there is one recurring theme we see in working with families who have aging parent issues, it’s conflict about finances.

Whether siblings are arguing with each other over how to pay for a parent’s care, or it’s about Dad mishandling the checkbook after being diagnosed with dementia, it’s a source of enormous distress. Part of the problem is that when an aging parent’s mental capacity begins to decline, it is subtle, uneven, and can be hidden for a time. Most families are in denial about cognitive impairment. It’s just too painful for so many to accept and take in.

Adding to the stress of a parent’s cognitive impairment is the consequence of denial: Money issues arise and no one is prepared to deal with them.

Here are some suggestions for avoiding those nightmare fights over money that can be prevented by planning ahead.”

——-

http://www.caring.com/articles/family-money-fights

Gofundme

I’ve been thinking about how stupid of an idea this was but I figured if it worked out for someone else then it’s worth a shot.

So I made a Gofundme in hopes to get some money for my Senior Privileges. 

I know, sounds dumb, but I literally have no way else to do this.

Aside from the fact that my parents don’t have the financial stability to support my privileges, I am also trying to save up myself for one more con I’ve prepped for and a road trip I’m planning on going after I graduate. So far, it’s not a lot, and I’ve been trying to find some kind of a job but it’s been a rough patch for me. I figured if I get my Senior Privilege finances out of the way, that’s one less problem for me to deal with…. right?

I don’t know, I’m terrible at being a convincing person, but I guess if people really cared I wouldn’t need to make myself sound convincing ???

I’m just gonna stop talking and let you decide.

Seniors and Adult Children Under One Roof: How to Succeed With This New Trend

Image by Play Group Article by CSA

Adult children are moving back home with mom and dad in record numbers these days. It’s often not the child’s choice, but rather as a result of circumstances, that parents and grown children find themselves as roommates once again.

The conditions that may force an adult child home include downsizing, divorce, the need to care for an aging parent, or money issues related to student loans or under- or unemployment. In 2010, the country’s college graduates owed an average of $25,250 in loans, according to CNN Money. That is 5 percent more than the class of 2009 owed. The unemployment rate for the 2010 class was 9.1 percent, the largest on record. Compare that to the 20.4 percent unemployment rate for people who didn’t go to college (College Access & Success Project on Student Debt, 2009).

No matter an adult child’s education level, debt loads are high and income opportunities are increasingly limited. Therefore, many adult children are moving back in with their parents out of necessity.The movement to migrate back to mom and dad’s has been a few years in the making. Bankrate.com says that three-quarters of 2008 college graduates said they actually planned to move back in with their parents after graduation. In 2006, that figure was two-thirds, which is still a staggering number(Collegegrad.com)."To a certain extent, it’s a sign of the economy," says Certified Financial Planner Craig Skeels of Apex Wealth Management Group in Oxnard, Calif. "If it continues to be a prolonged recession with more cuts in jobs, we may see a lot more adult children moving back home than what we’re experiencing today."The adjustment for the parents and the adult child can certainly test the relationship. Mom and dad are at a new stage of their lives now compared to when the child was living at home before. If they aren’t already retired, they are perhaps, at the very least, used to the freedom of not having children around. The adult child may have anticipated being out on their own at this point, and it could feel unnatural to be back in mom and dad’s house. The latest census figures reveal that upwards of 80 million “empty nesters” are finding themselves with at least one grown child living at home. These adult children have been referred to as the “boomerang” generation.Making the new living situation workBoth parties can make it work and even thrive if conversations and agreements occur before or at the beginning of the new living arrangement.Troublewith.com, a website of Focus on the Family, offers these tips for a smooth integration and to minimize conflict.

  • Discuss the terms – The sooner that ground rules and expectations can be established from both sides, the better. This can occur even before moving day arrives. Examples include overnight guests, loud stereos, chores, meals and food.
  • Don’t be afraid to ask questions – How long will the child be staying in the home? Is rent or a contribution to the household expenses a reasonable request? All relationships are better with good communication.
  • Maintain a healthy relationship – Every situation is different, and some are quite complicated. Here are some tips for keeping the relationship intact:
    • Trust adult children to make wise choices. We all learn by making choices. The adult child needs to have the opportunity to make their own choices, even under the parents’ roof.
    • Try not to give advice unless it is solicited from the child. This may be difficult because the parent is aware of much more of the child’s life than it he or she were living outside the home. Again, the child needs the opportunity to grow on their own even though mom and dad are close by.
    • Communication is key. Regularly discuss how the situation is going. Everyone involved should be allowed to bring up issues, clarify expectations or simply clear the air.

Negotiate issues upfront and write them down if necessary. Fox Business News suggests creating a timetable for eventual financial independence. This can begin with fiscal responsibilities in relation to the household including food, utilities and gas for the car. Ultimately, the family needs to be on the same page and working toward a common goal. Fox Business News states in a comment to the parents, “Find the right balance between offering support and taking care of yourselves. You don’t need to fall back into the roles you each played during the years of active parenting –parents giving and the kids receiving. If the parents have been enjoying an empty nest, continue doing just that.”Generally, the rules for the adult child will be very different than when they were growing up. As long as the grown child acts responsibly, such as holding a job, contributing financially or helping with meal preparation and household chores, he or she deserves the same liberty to come and go as any adult.Respect for the personal boundaries and preferences of both sides is crucial to the success of this living situation. With predetermined boundaries, good communication and an agreement to revisit and, if necessary, adjust the arrangement along the way, parents and children can create a very comfortable home for all involved.

"My experience abroad...taught me about myself, and I have grown as a person because of it."

Senior Finance major Tyler Frazier writes about his semester in Bilbao, Spain.

As an avid viewer of the show The Amazing Race, I have always dreamt of traveling abroad and doing what plenty of people never have the chance to do. I have always been shy and the opposite of a risk-taker. Furthermore, I was a person people said would never leave my hometown of Yakima, Washington. That just drove me to make sure I could go abroad.

In order to study abroad, I had to find classes that would transfer back to CWU, which was no problem in the end, but I also wanted to go somewhere that would take me completely out of my comfort zone.  I chose Spain.

Boarding the plane at SeaTac and trekking 10 plus hours to Madrid, I felt a combination of nervousness and excited energy about not knowing what to expect. The instant I walked off the plane I knew I was in for the best four months of my life; months that would be filled with adventures and, of course, learning. I walked out of the terminal and met my program advisor, Ibon, who chauffeured the group to the hotel where we would be staying the next four nights before traveling on to Bilbao. Walking the streets of Madrid that night was a remarkable feeling that I had never had before. The constant sound of Spanish, street performers and ham shops everywhere, as well as the feeling of living my dream, had me smiling from ear to ear.

The university was in Bilbao (pop. 350,000), and I lived in the beautiful suburb of Getxo, 25 minutes away on the metro. I enjoyed my classes, as my class sizes ranged from 6 to 20 people and the teachers were kind and helpful.

My favorite part about being abroad was exploring the city and what it had to offer. Almost every Friday the program advisors led us on excursions and activities around Bilbao, such as touring the bull fighting arena, visiting markets, and hiking local trails. Participating enriched my experience.

One of my biggest struggles in Bilbao was my lack of Spanish proficiency; it was something I had to deal with on an everyday basis. I will never forget going to the grocery store and trying to ask where the butter was. I finally pointed to the bread, then pretended to spread butter on it. The clerk finally caught on and showed me where it was. Experiences like that gave me confidence.

My experience abroad allowed me to completely immerse myself in the culture, learn the customs of everyday life, and meet new people. It taught me to be more independent.  It taught me about myself, and I have grown as a person because of it. It is something I would not have experienced if I had not pushed myself to study abroad despite my reservations.

Get up, get going and make your dreams a reality. Explore what this world has to offer by studying abroad and make memories along the way. It is something you never forget, and you will have endless stories for years to come.

5 Signs a Caregiver Is Stealing From You

The best way to avoid the risk of caregiver theft is by using a home care agency, which both screens its employees before hiring them and has insurance to protect its clients from theft.

If you do decide to hire privately, be careful, proactive, and alert. Here, some of the key warning signs that a caregiver is on the take.

http://www.caring.com/articles/5-signs-caregiver-stealing-from-you

Constant Companions on Why Can’t Mom Just ‘Snap Out of It’?

Last year, I received a call from Sharon, the adult daughter of a potential client, Bette. Her father, Burt, had passed away a little over a year ago from an extended battle with cancer and Bette had been his primary caregiver.  Until his passing, Bette was mobile, energetic and rarely sick. Once Burt passed away, Bette became a ‘different person’ rarely leaving the house. Her sunny, upbeat disposition had turned into an apathetic approach to everything and everyone in her life.  Sharon shared that she admired her mother more than anyone she had ever met for being able to ‘handle anything’. She had always met life’s challenges with strength and optimism, being able to formulate a plan to overcome any obstacle put in her way. Now, she was little more than a shadow of her former self and unable to properly maintain the house, herself or any of her relationships. Sharon was concerned because she was unable to ‘snap out of it’ and Bette was beginning to decline physically.   Because Sharon’s life was so hectic, she felt terrible that she could only get over to her mother’s house a couple of times a week, and when she got there she was overwhelmed with what needed to be done, grocery shopping, cleaning out the fridge, making sure there was easily accessible meals to be prepared and questioning whether she was taking her medications as prescribed, etc. The house itself was also being neglected severely, with the bare minimum being done to keep things going.  While both Sharon and Bette would benefit from a home care worker, there were deeper issues that needed to be addressed. Bette had been the primary caregiver to her husband of 60+ years as he lost the battle with cancer. She had focused all of her energy and purpose into his care for several years. When he passed away, Bette faced a dual life transition. She had lost her life status as a caregiver and she was no longer Burt’s wife of 60+ years. With his death she was faced with excruciating loneliness and loss of purpose.  Her family had been there for her right after his death to help but had assumed that she was adjusting well and would be able to handle things. A year later, it was clear that what may have started out as a normal bereavement and grief period had extended beyond a healthy timeframe. At this time, she felt dependent on her family for care and this new dependence pushed her even deeper. It is not uncommon for the ‘strong and capable’ family member in this situation to experience depression due to their history of being ‘strong and capable’. Often, those around them and they themselves have the expectation that after a ‘normal’ period of time, they will ‘pull themselves up by their boot straps’, as they always have. Paradoxically, this is the person that is least likely to ask for help may be suffering silently. It is as if they are unable to see themselves as needing any help or being unable to ask for it. Additionally, physicians tend to overlook signs of depression with seniors and many assume that depression is a normal part of loss. Old assumptions and patterns are tough to overcome. After speaking with Sharon, I advised her to make an appointment immediately with Bette’s physician regarding her decline. She also had to have a gentle talk with her mother about the possibility of being able to see a brighter world through possible interventions of medication and counseling. We did provide a caregiver for Bette for about 4 months. In the meantime, Bette’s doctor found the right medications and she participated in support groups. After a while, Bette turned the corner and was increasingly able to care for herself and her home again. She now does her own grocery shopping enjoys making her meal and even invites others, primarily from her support group, over for meals. Now, when her family visits, they are able to enjoy her company and provide the companionship that only family can provide. They no longer are in the role of caregiver, which is only helping to restore Bette back to her old self. Every bereavement experience is unique, but if you have a loved one that is not improving after about two months, a visit to their physician may be in order in addition to grief counseling. Counseling and/or medications can make the fog of depression lift, allowing them to slowly begin to feel pleasure and purpose again, the two reasons we ALL need to lead a satisfying life.
If I started out poor and got rich I still wouldn’t give a dime to the poor. I mean it’s proof enough that I made it, anyone else would be able to. This is just how the world works, y’know?
—  Forming his opinion off of some completely hypothetical bullshit that didn’t even really make sense, rich boy, Senior Finance Major on: “Why I hate poor people.”
Home Care is a very flexible and cost-effective way to provide a safety net in your parents’ home

Great Expectations

Home Care is the a very flexible and cost-effective way to provide a safety net in your parents’ home requiring a minimal adjustment for them in the rhythm of their daily lives.

Even though home care creates a minimal change in lifestyle for your parents, it is has a strong undercurrent of emotion and expectations for the entire family. Home care is a life transition. Having a virtual stranger coming into your home to help manage the most basic aspect of living can trigger feelings of loss and deep emotional responses.

For the senior in need of care, loss of autonomy, independence and privacy are very real. This may be piled on top of other recent losses in health and relationships. No one, in my experience, has EVER welcomed the need for home care as it is usually follows some sort of loss or series of losses.

For the family, namely, the adult children, guilt, fear and inadequacy are feelings that are very relevant and real as well. Many, if not most, adult children wish that they had the time or lived close enough to provide the care they feel their parents deserve. Fear enters in with the control and direction they lose when hiring someone to provide the care. Feelings of inadequacy can surface, especially if they had attempted to provide the care themselves and it became overwhelming.

Rest assured that these emotions are all very natural and if your are feeling any of these things it is best to acknowledge the emotions as they come to the surface. Often, it is the act of hiring outside help that brings these feelings to the forefront. If these feelings are left unaddressed they can have detrimental effects on the success of home care assistance.

Often when people are not aware of or do not want to acknowledge these intense emotions, there is a tendency to place great expectations on the caregiver placed in the home to help. No matter how hard the caregiver works, they will never be a replacement for the adult child. The caregiver is an individual with their own history and personality. They will not immediately understand every nuance and preference of your parent.

Clearly defining tasks and reviewing skill is vital to beginning this professional relationship, which most reputable home care agencies will do with an in-home assessment and a plan of care. Once the expectations are established, they should remain constant as the caregiver establishes a rapport with the family. This takes time and can be a source of anxiety for both the adult children and the parents.

The focus of the caregiver should always be on the safety and well-being of the client. Housekeeping duties can be included, but shouldn’t be at the expense of quality care.  Obvious adjustments should be made if they are not appropriate or working out as anticipated. Clearly, if a caregiver is just NOT the right personality, that should be addressed as soon as possible, but not before careful consideration. If the caregiver is competent and professional, it may help to wait a little while rather than rush into a change. Learning the temperament and rhythms of a new client takes some time. After a while, the caregiver will develop a regular routine based on these daily rhythms and will increasingly be able to anticipate situations and changes and how best to deal with them.  

In short, no one can care for your parents like you can. However, if your situation requires outside assistance, do your best to understand the limits of the professional home care relationship and guard against placing unrealistic expectations. If the home care professional provided is caring and competent, provide space and flexibility for the relationship to develop. In the end this will help both the adult child and the parent ease into this life transition with minimal discomfort.

VP-Finance, IDFC, 5-6 Yrs Exp, Mumbai

VP-Finance, IDFC, 5-6 Yrs Exp, Mumbai

PROFILE
Preferred Qualifications : MBA / CA/ CFA
Preferred Experience : 5-6 years
SKILLS
Exposure to securitisation / direct assignment/credit transactions for the purpose of Priority Sector Lending(PSL) of Banks
Directly worked with financial institutions for PSL activities
Candidates with experience in Banking, NBFCs preferred
Good relationship with other…

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A Few Simple Steps to Avoid Senior Financial Abuse

The time has come. You are in need of home care services. Chances are good that this need has been preceded by some sort of crisis; a hospitalization, death of a spouse

or a sudden decline in health. Likely, there are so many things to think about
and arrange. There may be a variety of service groups coming in and out of your
home to assist you in this transition; home health care, home care, hospice,
durable medical equipment, housekeeping services and an increase in friend and
family visits. The last thing on your mind may be the location and security of
your valuables and financial instruments.  This is why it is essential to locate and
secure these items PRIOR to the need for these services.

Most senior home care service companies do their best to assure that the personnel that they are sending into your home are honest by conducting background and reference checks. Here is the problem, background checks are great for weeding out the prior offenders, however, no background check can detect if someone has never been caught or predict if they are going to steal in the future. Simply put, there is no way
to guarantee that you will not be a victim of theft or financial abuse.

There are things that you can do, BEFORE a crisis (right now) to prepare yourself:

  1. Locate all valuable items, i.e., jewelry, checks, credit cards, etc.  Inventory what you have and identify if you are currently missing something. This will prevent confusion after the fact if you go look for something and it isn’t where you thought it was.  Why? We once had a client who insisted that she had left some diamond earrings in her bathroom. She accused her caregiver of stealing them. Of course, we immediately removed the caregiver and reported the worker to Adult Protective Services.  Two months later, we received a call from her daughter, apologizing that her mother had found her earrings in a different spot and hadn’t recalled moving them there.
  2. Once you do need someone caring for you at home, secure all financial instruments and jewelry in a lock box in your home. Put the key where only you would know where it is and give a copy of the key to a trusted individual or in a safety deposit box.
  3. Never give your PIN to anyone in your employ.
  4. Never allow anyone to go to the bank for you to take out cash, via check, etc.
  5. Report all suspicions or missing items as soon as possible to any company coming in and out of your home. If you are working with a home care agency make sure they are responsive to your concerns and act quickly to resolve the issue.
  6. Do not give cash or check bonuses directly to home care workers, make sure that the agency they work for is notified and has an opportunity to copy the bonus check and document the gift to avoid any future misunderstandings or opportunities for financial exploitation.
  7. If a caregiver asks you for money directly for ANYTHING, immediately report it to their agency. As benign as this may seem, it is considered ‘abuse of
    position
    ’ and is covered under the law as follows:

Financial Exploitations –Financial exploitation means a situation in which a caretaker or any other person who is in the care or custody of, or who stands in a position of trust
to, a resident, takes, secretes, or appropriates their money or property, to
any use or purposes not in the due and lawful execution of his or her trust. In
the simplest terms, the person who is acting as a caretaker unlawfully takes
money or property of the resident. This also includes a request for transfer of
property by the resident that was not carried out.

Most caregivers are good people interested in your well-being. They are also
hyper-aware that they are most likely to be blamed if something goes missing in
your home. If you follow the above guidelines, it should protect both you AND the
people working for you.

If you find that you are a victim of financial abuse or theft, PLEASE follow through with filing a complaint with Adult Protective Services and any charges against the person suspected of committing the crime. It is up to you or your family to see that charges are filed. This may be very uncomfortable and stressful but it is VITAL. Without convictions and a subsequent record to detect on a future background check, there is nothing to
prevent that same person from moving on to another agency or to hire themselves
out privately and continue their predatory ways.

Submitted by Gabriela F. Brown, CSA, Owner of Constant Companions Home Care, San Diego and S. Riverside. Website http://www.constantcompanions.net email: gbrown@constantcompanions.net

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