Is It Legal … To Record With A Hidden Camera? | Legal News. By Rachael Mason, THELAW.TV You’ve seen the reality shows — everything from “Candid Camera” to “Punk’d” — that feature hidden cameras filming people in ridiculous situations. You’ve probably also heard about families with kids using “nanny cams” to secretly film their childcare providers. Other households use hidden cameras as part of a security system. Maybe you’ve even considered capturing some secret footage yourself. Nanny cams are legal in the U.S., but most are sold without audio capability due to a federal law (U.S. Hidden cameras, however, are often be used for more sinister purposes than security or entertainment. There are also countless stories about hidden camera misuse that make the news. Despite these cases, hidden cameras can be used for the greater good. Hidden cameras are also legal in places of business, if there is a legitimate reason for monitoring employees - such as discouraging theft.
Are there places hidden cameras can’t be used? Share this Post: How to Factor in Health Costs into Your Retirement Planning. Boomers planning on relying on just Medicare to cover their health-care costs in retirement better think again. With health care costs rising two to three times faster than inflation over the last few decades, baby boomers in retirement are facing unplanned medical costs that are eating up their nest eggs. Fidelity Investments, which has been tracking retiree health care costs for over a decade, estimates that a 65 year old couple retiring this year will need $240,000 to cover future medical costs. While Medicare can help cover some costs, it won’t cover deductibles and copayments, prescriptions and premiums for supplemental coverage. Based on the Wellness for Life survey released by life insurance company Aviva USA and the Mayo Clinic, Americans aren’t prepared for the financial blow of a health-care problem.
Chris Jones, chief marketing officer for Aviva USA, offered these additional findings related to the survey for our boomer readers: Jones: Not at all. Options vary for keeping those with cognitive disorders safe. Published: November 7 2013 | 3:30 am - Updated: 28 March 2014 | 11:07 pm in The first time it happened, the Hansons were in New Zealand. The Cedar Rapids couple had just arrived in Wellington to do some sight-seeing when Bob Hanson stepped into a store to pick up some supplies for the couple's hotel room. He thought his wife, Beverly, was waiting outside, but when he returned, she was nowhere to be found.
After nearly two hours of searching, someone dropped her off at the police station. She had wandered nearly two and a half-miles from the shop, to a marina. "Bev stuck to me like glue after that, and that was my first indication something was wrong," Hanson said. Later that year, Beverly Hanson was diagnosed with Alzheimer's disease. "From that point forward, I kept Bev here at home in our condo on the southwest side," said Hanson, adding he was lucky to have the help of a group of retired nurses in his neighborhood so he could continue working in real estate. Wandering Law Enforcement. Estimating Long-Term Care Costs in 2013 and Beyond. Whether it's a short stay at an assisted living facility, around-the-clock care from an in-home nurse or even help from younger family members, roughly half of all Americans 65 and older will require long-term care.
Improved medical technology is saving and prolonging lives, but accidents and degenerative diseases can diminish the independence of even the most seemingly-healthy seniors. Unfortunately, Medicare bears little to no responsibility for the costs of long-term care, and the recent Affordable Care Act has reduced government coverage even further. No matter when they plan to retire, Americans in their 60s, 50s and even 40s need to start planning and saving for these additional expenses. Of course, it can be tough to determine just how much money will be necessary for long-term care. People who've already seen signs of dementia, arthritis or other chronic conditions can count on high costs, but strokes and falls can easily throw a wrench in the works. Aging in Place: Senior Living and Universal Design. Aging in Place: Senior Living and Universal Design.
Aging in Place, Universal Design Can Help People Age in Their Homes - AARP Bu... An AARP national survey in November found that two-thirds of those age 45 and older want to remain in their homes as long as possible. The percentages tend to increase, up to 90 percent, as people age. Architects and designers have responded by creating ways to make homes safe and livable for all stages of life. Once an issue just for older people, universal design is now more broadly applied to all ages and all stages of life. "It's becoming increasingly more popular and available," said AARP spokeswoman Nancy Thompson. Jackson sees more people among his clients planning ahead, "even if they're able-bodied now.
They want to age as much as possible in their own homes. " Aging boomers have pushed architects to focus more on multigenerational housing, said Grace Kim, cofounder of Schemata Workshop in Seattle. Next: What's in a winning Universal Design home? Protecting Your Savings from the Cost of a Long-Term Care Illness | The Chicago Financial Planner. This is a guest post by Dagmar M. Pollex, J.D, an estate planning attorney based in Braintree, MA. The topic of protecting one’s savings from the cost of a long-term care situation is a key retirement planning issue for Baby Boomers approaching retirement and those already in retirement. Additionally it is a major concern for those with aging parents as well. Today, the risk of losing your life savings to a long term care illness looms as the largest threat to your future security. That’s why one of the biggest questions and concerns many people have about their lifetime financial security is what would happen if they suffer a long term disabling illness, such as Parkinson’s disease or Alzheimer’s.
The reason for this concern is clear. The cost of long term care varies according to where you live. Long-Term Care Insurance Medicare does not cover this cost so without long term care insurance, it wouldn’t take long for most families to lose all of their hard-earned life savings. Should you use a financial advisor for healthcare? Health care planning for retirees Tuesday, 29 Oct 2013 | 1:46 PM ET Financial planners are also beginning to advise clients on changes in retiree health care programs, reports CNBC's Sharon Epperson. If it wasn't already difficult saving for retirement, uncertainty about the cost of health care has become a major concern. Would you turn to a financial advisor for guidance?
Perhaps, but you'll need to do some vetting to figure out if your advisor is the right choice. The Affordable Care Act has resulted in many new developments for the delivery of health care, which is also making retirement planning even more challenging for advisors. Dr. (Read more: What you should be asking your financial advisor) "I find that most people are more comfortable talking about their health-care problems than they are about their financial issues because health problems aren't under your control," said McClanahan of Life Planning Partners in Jacksonville, Fla. How Many Caregiver Hats do You Wear – 5 Tips for Keeping Balance | The Intentional Caregiver. How Many Caregiver Hats do You Wear? – 5 Tips for Keeping Your Balance By Connie Hammer LMSW and PCI Certified Parent Coach Being a parent is one of the most difficult jobs on the planet.
Those of us who have chosen this career are doing the best we can to become the parent we want to be. Every parenting situation is unique and all children present their own challenges but if you have a child on the autism spectrum, you are parenting at a more demanding level. Now add being a caregiver to your elderly parents to your current position as parent of a child with special needs. Are you a parent who is juggling all three hats – parenting your children, caring for a child with autism, and caregiver for your adult parents? If you think I am exaggerating, then you obviously have not been there yet. As a mom with all of this on your plate, taking care of yourself and giving yourself opportunities to refresh and renew are extremely important. 1) Know thyself. 2) Identify barriers ahead of time.
Financial Advice for the Sandwich Generation. Between the growing number of adult children moving back in with their parents, and a growing population of senior citizens becoming financially dependent on their children, the Sandwich Generation can't seem to catch a break. Nearly half of all adults between the ages of 40-59 are giving financial support either to a parent over the age of 65 or to their offspring. Nearly one in seven adults are supporting both. So says a new study by Pew on the rising financial burdens of those adults -- the generation that overlaps both the Baby Boomers and Generation X. Multigenerational Impacts of Unemployment The middle-aged Sandwich Generation has been hit especially hard by the recession and its aftermath. With unemployment still at 7.7 percent in February, and mass layoffs of nearly 135,000 in January alone, the long-term financial pressure is hitting those supporting multiple generations particularly hard. Older parents may face forced retirement, and its sudden impacts. 7.
Rankings of the U.S.' Care for Elderly in Home - Elderly Care. When Sue Dietz noticed her mother's dementia worsening, she began spending every day at her parents' house near Pittsburgh — making sure her mom was eating properly and taking medications. But the schedule became too much when Dietz's daughter in North Carolina had a baby. "It wasn't fair to my daughter that I couldn't be with her when she needed me, too," says Dietz, 56. Although she found in-home help that her parents are paying for, she worries that their money may run out and she'll need to dig into her savings to cover the costs.
Dietz isn't alone in dealing with the cost of caring for an aging parent — or getting nervous about the prospect. Some 41 percent of baby boomers with a living parent are helping to care for them, according to a recent USA Today/ABC News/Gallup Poll, and nearly half of those who aren't worry about being able to do so in the future. But you can help aging parents get the assistance they need without burning through family finances. Have the Conversation.