A good friend has had a rough pregnancy. Many curve balls physically. She now faces losing her job unless she goes against her doctor’s advice & gets the COVID vaccine. Money is tight & she’s now filled with anxiety. Talk to me more about health, tyrannical monsters.
100K+ doses of @Pfizer #COVID19 vaccines have arrived in #Guyana, donated by the US via #COVAX. These doses will go straight to adolescents, in order to reopen schools, and pregnant and breastfeeding women. 246K US-donated vaccine doses have arrived in Guyana so far. pic.twitter.com/etfJWwVzXS
If anything were to convey the risk of Covid in unvaccinated pregnant women and the marked benefit of vaccination, this should www.nytimes.com/2021/10/11/world/pregnant-women-covid-vaccine.html?searchResultPosition=2 by @CoraEngelbrecht pic.twitter.com/uJFqrGtKPJ
The truth about pregnancy risks and COVID-19 vaccines - Los Angeles Times lat.ms/3ACAvtY
However, choosing to age in place can lead to various expenses, especially for retirees who have health conditions.
When aging in place, the costs to consider include:
Here's a look at the expenses to build into your budget if you plan to remain at home throughout retirement.
If you live in your own home and haven't paid off your mortgage, you will need to continue with payments during retirement. "Unlike moving to an age-restricted rental community or a continuing care retirement community, maintaining a home through the later years of retirement means retaining some large house-related costs," says James Ciprich, a partner and wealth advisor who specializes in working with seniors in transition at RegentAtlantic in Morristown, New Jersey. "Those include ongoing property taxes and regular maintenance." There could be unexpected costs as well, such as a new hot water heater to replace a broken one or a major roof repair.
[Read: 7 Housing Options for Seniors.]
In addition to ongoing housing costs, changes might need to be made to accommodate for health conditions and decreasing levels of mobility. This could include putting in a bedroom on the first floor to avoid having to climb the stairs or lowering kitchen counters to make them easier to reach. Other safety features include ramps at the exterior entrances, wider doorways to allow for walkers or wheelchairs, a stairlift or home elevator, nonslip rugs on the floors and grab bars in the bathrooms. Walk-in showers and raised toilet seats may also be necessary. "For those who need to modify their home for accessibility, the cost of construction will be dependent upon the scope of the project and construction costs," says Andrea Pezel, services lead at Grayce, a San Francisco-based company which provides caregiving guidance for families nationwide.
As you age, it can be more difficult to carry out activities like mowing the lawn, cleaning out gutters, weeding a garden or shoveling snow. If family members live in the area, they may offer to help with landscaping and outdoor upkeep. If they are not able to come regularly or live far away, you might need to hire a service to maintain the property. "The 'gig economy' has helped to provide direct access to some of these services, but they still come with a cost," Ciprich says.
Over time, it could be helpful to have help with house cleaning, washing clothes and meal preparation. The nationwide monthly median cost for homemaker services was $4,481 in 2020, according to the Genworth 2020 cost of care survey. "There may be a point where driving to the supermarket gets too difficult and you'll need your groceries delivered," says Christina Steinorth-Powell, a licensed psychotherapist in Nashville, Tennessee, who specializes in working with aging adults and their families. "In the event you need grocery delivery, there will either be a flat fee involved with each delivery or the foods will have an additional cost built in when being ordered for delivery." Transportation services for doctor visits or shopping might be available as well.
Home health aides and skilled nurses can come to your home to help with therapies, medication or other health services. Sometimes arrangements can be made to have a health care professional come once a week, every day or even stay around the clock. There may also be insurance premiums and prescription drug costs to consider. "Veterans and Medicaid recipients may qualify for subsidized caregiving programs," Pezel says. "However, most individuals rely on privately purchased long-term care insurance or savings to pay for their care." The national median cost for a home health aide was $4,576 a month, per the Genworth 2020 cost of care survey.
Meeting up with friends and being connected to networks can help fulfill social needs as you age. When staying at home, it can be important to take the initiative to participate in group activities, which might include joining a club or gym. "Some of these may be relatively low cost for local activities, but travel clubs or country clubs may be on the higher end of the cost spectrum," Ciprich says.
The Florida Department of Health is investigating whether South Florida cruise giants violated the state's ban on so-called vaccine passports. Affiliates of Doral-based Carnival Corp. (NYSE: CCL), Miami-based Norwegian Cruise Line Holdings (NYSE: NCLH) and Royal Caribbean Group (NYSE: RCL) were listed among 100 companies the state suspects could have violated a law that went into effect July 1. "Under the rule, the Florida Department of Health, now has the authority to enforce penalties on applicable entities and institutions that require documentation of vaccination or post-exposure status," according to a release from the health department.
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I was 16 years old the day I found out I was pregnant, peeing on a stick in my best friend's bathroom while she and her older sister waited anxiously outside the door. We huddled together, staring at the positive pregnancy test for what seemed like ages.
An intensive summer language program hosted by Harvard University in Beijing will relocate to Taiwan in summer of 2022, as the U.S.-China relationship remains strained. The program is moving to Taipei and will kick off next summer with about 60 students who will take eight weeks of classes, National Taiwan University confirmed Wednesday. The decision was in part “due to a perceived lack of friendliness from the host institution" in Beijing, according to The Harvard Crimson student paper, which first reported the move.
The Food and Drug Administration said Wednesday it is wrestling with whether and when recipients of the single-shot Johnson & Johnson COVID-19 vaccine need another dose — at six months or as early as two months. In an online review, FDA scientists didn't reach a firm conclusion, citing shortcomings with J&J's data, including little information on protection against the extra-contagious delta variant of the coronavirus. The review comes ahead of meetings Thursday and Friday when an FDA advisory panel will recommend whether to back booster doses of both the J&J and Moderna vaccines.
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White House officials, scrambling to relieve global supply bottlenecks choking U.S. ports, highways and railways, warn Americans may face higher prices and some empty shelves this Christmas season. The supply crisis, driven in part by the global COVID-19 pandemic, not only threatens to dampen U.S. spending at a critical time, it also poses a political risk for U.S. President Joe Biden. The White House has been trying to tackle inflation-inducing supply bottlenecks of everything from meat to semiconductors, and formed a task force in June that meets weekly and named a "bottleneck" czar to push private sector companies to ease snarls.
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Summer has wound down, the Q3 earnings reports will be coming in over the next few weeks, and every investor can see that the market is hitting a rolling boil. For investors in search of a bright spot, Canaccord Chief Market Strategist Tony Dwyer believes the increasing volatility in the market could lead to attractive entry points. "Our core fundamental thesis remains positive, our tactical indicators coupled with history suggest any further weakness should prove temporary, and we expect the ye
U.S. President Joe Biden will unveil a plan to ease the supply-chain problems that are weighing on the economic recovery and may threaten the holiday season, according to a senior White House official. Biden will meet Wednesday afternoon with executives from the ports of Long Beach and Los Angeles as well as Walmart (ticker: WMT), FedEx (FDX), UPS (UPS), Target (TGT), and union representatives and industry lobbies. The ports will run round-the-clock operations, and the International Longshore and Warehouse Union has indicated that its members accept working extra shifts.
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Time to unlock the mighty health benefits of mung beans.
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