Senior Fraud: “Incorrigible Leech” Almost Struck Again in Victoria

 

aroundtown-pro-am-jpgI just discovered that this man has been preying on new clients of Act Together Moving Services. He developed a “friendship” and gained their trust by helping them with odd jobs and hauling. Luckily his history of defrauding seniors was discovered

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Moving With Dementia

Ting and I attended a very informative training this week put on by the Alzheimer Society. dementia_friendsWe found out the number of people who live with dementia in BC is over 70,000 and the risk for dementia doubles every five years after age 65.

Since our clientele is generally 75-105 years old, we need to recognize the signs of dementia and incorporate special techniques into our moving services to maximize the health and safety of our clients. We also need to use our experience and training to help family members avoid common pitfalls during the move Continue reading

Don’t Call It Junk

Anney-smallWe are helping a family move their elderly mother this week and I’m amazed at how much respect her daughters have for every singe item in her home. Sometimes adult children only see junk, but these daughters see treasure in their mother’s stacks and piles.

Of course this means the house can’t be cleared out in one day…this project is going to take a lot of work.

I saw this movie recently that depicts how badly kids can misjudge the value of their mother’s stuff, with hilarious consequences.

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Aging In Victoria Seminars

Anney-small“I had no idea.” I hear that over and over when helping clients and their families to navigate the dizzying senior housing options in Victoria.

And it doesn’t stop with housing. As my clients get older, it becomes harder for them to cope with the health system. Ask any senior who is trying to find a GP that is accepting new patients…it seems impossible.

That’s why I’ve teamed up other experts to put on free seminars over the next two weeks. The seminars range in topic from hidden costs that hit seniors, to housing options and aging in place, to healthy aging strategies.

The format we will follow is a collaborative panel discussion, followed by questions and input from the audience. We are there to share what we have learned from years of working in our respective industries, and also to learn from people who are navigating through their retirement.

These seminars are free, and include delicious refreshments!

I hope you can join us to learn and share.


Seminar 1: Making a Financial Plan

Our panel will discuss the various costs facing the elderly, ranging from housing, health care, aging in place and more.

Saturday, April 25th, 2:00pm – 3:30pm

Location: The Kensington 3965 Shelbourne St Victoria

Panel: Barbra Hopkins (Sun Life Financial)Nolan Adam (Sands Funeral Chapel) & Farhan Kanji (Heart Pharmacy).

Seating is limited. Call The Kensington today to reserve your spot! 250-477-1232


Seminar 2: Senior Housing Options

Our panel will discuss topics ranging from real estate, retirement housing options, VIHA (Island Health) and more.

Thursday, April 30th, 7:00pm – 8:30pm

Location: The Kensington 3965 Shelbourne St Victoria

Panel: Tony Joe (RE/MAX Camosun)Anney Ardiel (Act Together Moving Services).

Seating is limited. Call The Kensington today to reserve your spot! 250-477-1232


Seminar 3: Staying Healthy and Safe

Our panel will discuss safety at home, prescription management, exercise and nutrition and community resources.

Wednesday, May 6th, 2:00pm – 3:30pm

Location: The Kensington 3965 Shelbourne St Victoria

Panel: Richard Major (Motion Specialties)Brecon Gage (Comfort Keepers) Farhan Kanji (Heart Pharmacy).

Seating is limited. Call The Kensington today to reserve your spot! 250-477-1232

The Golden Years…Because They Cost So Much?

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When David Bowie sang “Nothing’s gonna touch you in these golden years,” I have a pretty good hunch that he wasn’t referring to the period of life between the ages of 65 and 80+.

For most of us, the “golden years” refer to that period of retirement, when the kids have moved out, debts are paid off and careers have wound down. If you are in good shape financially, physically and mentally, your years past age 65 can indeed be golden.

These years can, however, can be far from golden for some. People can be at their most vulnerable in the following areas:
1. Health Concerns
senior-man-gym.jpgThese are the years when chronic illness, weight gain, reduced muscle mass, changes in hearing and eyesight, memory disorders and other health concerns rear their ugly heads. At the same time our body’s ability to self-repair becomes reduced as we age.
2. Money Matters
Most people rely on a fixed income after retirement, usually a combination of government pension (OAS/GIS, CPP), workplace pensions and RRSPs, and investment income.
The financial risks people face during the golden years include:
  • Will the value of their pensions and investments change?
  • As they age, will their income be able to cover the changing costs of housing, health care, and assistance required for the daily acts of living?
  • Will their financial reserves last long enough, or will they outlive their expected lifespan?
  • Will the death of a partner or spouse alter their financial situation?
  • Will they be able to leave behind something for the kids?
3. Housing Woes
Vulnerabilities in housing can overturn the apple cart of the golden years. Worries include:
Can I afford rising property taxes, maintenance and adaptations?

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I commonly hear of “house-poor” seniors who are just barely holding on to ownership of their house. Although rising property values will benefit them when it comes time to sell, if they want to remain living in their house they have to pay the rising taxes, keep up with repairs and pay for costly upgrades and adaptations to “age in place”.
Can I sell my condo? I hear the market is terrible.

In reality, condos can receive multiple offers if priced correctly and marketed well. The wise move is to get advice on real estate from experts before spiralling into worry based on rumours.
Rumours abound and everyone has a friend who says it’s impossible to sell in this market. What will happen if an individual needs to move into more appropriate housing due to health, but finds that their home sits on the market for months or years?
If I sell, can I find a nice place to rent?
If someone has owned their own house for many years the thought of renting can be off-putting. Sharing close quarters with neighbours, dealing with landlords and the many uncertainties of tenancy can be a real turn-off. And in many urban centres the amount of rental inventory in nice neighbourhoods is low.
The Golden Years come with some heavy stuff…and perhaps they’re not as golden as we’ve been led to believe.

Year-End Car Buying Advice

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Michael Flynn of Prime Source Lease

Anney-smallBy Anney Ardiel
Move Manager, Act Together Moving Services
 I’d never make a vehicle purchase without consulting with an objective, experienced professional. We have made two excellent purchases with the help of Michael Flynn of Prime Source Lease and we’ve referred many downsizing clients to Michael when it came time for them to sell a car or trade in a vehicle.

Michael recently compiled a smart list of year-end tips that can save you time, money and hassle if you’re thinking about buying a vehicle.

  1. Beware of new car offerings this time of like “cash back”, “no payments till March” and low payments based on long amortization times (60-96 months). This can lead to “bad car debt”.
  2. If you are in business and need/want a vehicle, the year-end buy can give you a tax deductible depreciation this year (15%) AND a 30% for 2015.
  3. If you need/want a used vehicle, shopping between now and Christmas Eve can provide excellent opportunities (as opposed to boxing week). OR wait till the 3rd week in January (very motivated sellers!)
  4. If you own a “gas guzzler”, with the current low fuel prices, NOW is a good time to sell your car.
  5. Where possible , be SURE to use a good consultant/broker BEFORE purchasing or selling a vehicle. A small investment can literally save you hundreds and even thousands of dollars

If you are even thinking of buying, selling or leasing a vehicle I recommend you look at the Prime Source Lease website and have a chat with Michael.

Anney’s Closet on CBC

Anney’s Closet is a project that improves the lives of girls and women in Victoria by connecting people who have too much with people who have too little.beth n patty

Using household items donated by downsizing seniors, friends of Soroptimists, and other donors, we’ve created a “free store” in a storage locker kindly donated by West Shore U-Lock.

Girls and women who are referred to us from  advocates at our partner social service agencies have the opportunity to select items from Anney’s Closet that will transform their new apartments into functional and comfortable homes.

Volunteers work to sort and arrange donated items in the Closet, build relationships with social agencies and the community,  and help the visitors pick out items for their new home.

I was interviewed this week by Jo-Ann Roberts on her show All Points West on CBC. It was a great chance to spread the word about this amazing project. Click here to listen to the interview.