Pressure ulcers in the elderly

It is a usual health issue, especially among the bedridden elderly and people who are suffering from chronic illness. Even though 70% of ulcers happen to people who are above 65 years, it can also occur to young people who have neurologic impairment or severe illness. The treatment includes control of infections, elimination of necrotic tissue and continuation of moist surrounding for healing of the wound.

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Symptoms

The initial symptoms of pressure ulcers can be discomfort or changes in the color and temperature of the skin. It can be seen on any portion of your skin which has continuous touch with things like bed or wheelchair.

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There are other initial symptoms that include:

Redness and swelling of skin
Skin becomes either warm or cold
Skin becomes darker and when pressed doesn’t turn white
Pain and itching
The critical pressure sore symptoms can be:

Open and crater-like wound
There is severe pain and injury on the muscles, tendons and bones.
Burning sensations
If you see these signs and symptoms in yourself or your loved ones above 60 years, then you need to get in touch with your doctor immediately.

Risk factors

Your skin turns thinner and more sensitive to get damage, as you grow older. It can also happen because of the reasons mentioned below:

Inactivity: There is continuous pressure on the skin due to bad health, damage in the spinal cord or any other reasons. This can develop pressure ulcers.
Malnutrition: Poor diet is one of the reasons to develop ulcers. When you include healthy nutrition and balanced diet, then the chances of ulcer become lower.
Age: People may be at great risk as they grow older. As infants are not able to change their position by themselves, in the same way, elders who have certain health issues, also may not be able to change their positions. It may lead to the problem of pressure ulcers.
Treatment

Treatment of pressure ulcers may involve reducing pressure, sanitizing wound, usage of suitable dressings and antibiotics, and consuming healthy and balanced diet.

Reducing pressure: You should not give pressure to certain part of your skin. You need to change your position every 10-15 minutes, if you are on wheelchair or in bed. You can take help of pillows or any other support to make you comfortable.
Wound cleansing: You can take doctor’s advice to clean the wound with mild soap and water. Your doctor may also recommend cleaning with a saline rinse. You need to ensure that in order to dry it, you tap the area instead of rubbing it.
Dressing: You can ask your doctor to cover the wound with a particular dressing or bandage.
Eat balanced diet: You need to eat nutritious food and take enough sleep to assist your body to cure. Healthy nutrition is important to heal any kind of wound or illness.
Prevention

The development of pressure ulcers can be prevented by regularly repositioning yourself after sometimes. It will prevent stress on particular part of the body. Few tips to prevent this include-

Take good care of your skin
Manage stress
Frequently move or reposition your body
Maintain healthy diet and fluid intake
Exercise daily
Conclusion

Pressure ulcers can lead to chronic co-morbid diseases. You should always get in touch with your doctor if you see any kind of blisters or an open wound on your skin at an old age.

How To Find The Perfect Home Loan For You?

Based on your monthly income and the value of the property that you select, finding the best home loan can be a daunting task. Yet it is the most significant decision that would have an impact on your financial future for the next few years. There are three reasons why a perfect housing loan is essential for you:

• A perfect house loan is designed with a suitable understanding of your financial strength and challenges. Is your earning consistent or variable? What kind of home insurance would you need? How much processing fees are they charging? What kind of EMIs and interest rates would fit in your cash flow system? An ideal home loan has an accurate balance of features and services to support your financial state.

• Most of the housing finance companies in India offer home loans for a tenure of 20 to 30 years. The EMIs get deducted regularly from your salary or any other form of income for the specified tenure and hence housing finance becomes a crucial part of your monthly expenses.

• A rushed home loan without the required attention to your personal finance could land you in serious trouble, since the failure to pay the EMIs on time could be disastrous to your financial life and family life.

Hence, you must invest time to completely understand the process of finding the perfect home loan. This process could be long, tedious and exhausting. However, it helps to stick to the sound financial advice of reputed housing finance companies.

• Identify: Before looking for a home loan, most of us need to take a detailed look at our finances. It is a comprehensive process that involves understanding our income, monthly expenses, taxes, emergency and leisure expenses. If you are not easily setting aside an amount that could be roughly equivalent to your potential EMIs, you would need strict financial discipline for your entire loan tenure to effectively pay your loan.

• Search: Reputed housing finance organizations in India offer similar interest rates along with different services and facilities. However, nationalised financial organizations such as banks take significantly longer and impose stringent eligibility criteria as compared to private organizations. Therefore, your search for a perfect home loan could include some rejections, some financial adjustments and a detailed evaluation of your financial health.

• Evaluate and compare: The comparison of existing home loans is imperative in order to understand the features, applicable fees, services that you want to include, and the elements that you must exclude. In the long run, the flexibility of the housing loan and the support of the concerned organization would play a big role in ensuring a comfortable life.

Think well and think comprehensively before making the final decision and signing on the dotted line.

More Older Americans at Risk of Foreclosure

While reports emerge about the nation’s improving housing market, the effects of the ongoing foreclosure crisis still affects millions of Americans, especially the elderly. The American Association of Retired Persons (AARP) recently reported that nearly than 600,000 people age 50 and older are facing foreclosure, and an estimated 625,000 are at least 90 days delinquent on their mortgage payments. At the end of 2011, nearly three percent of loans held by older Americans had been foreclosed; eight times the number of foreclosures affecting older homeowners in 2007 (the year before the crisis).

The report also highlighted an even bigger problem for older homeowners: the vanishing equity in their homes. 3.5 million older homeowners are now “underwater” in their mortgages; meaning that they now owe more on their mortgage than the property is worth. This dilemma prevents many from downsizing or creating additional retirement income from selling their home for a profit.

The problem is compounded when these homeowners (many of whom live on fixed incomes) fall behind on payments or have little savings. According to a report by the Federal Reserve, just over half (51 percent) of families headed by people aged 64-74 had no retirement savings. Among families headed by a person aged 75 or older, two-thirds had no such savings.

For those forced back into the workforce, the situation is not promising. Older Americans have fewer working years left to build back what they may have lost, and do not have the same earning power as they once did. With few options to increase income and pay down debt, older homeowners often succumb to foreclosure.

These issues exemplify the need for elderly homeowners to understand how foreclosures work, and the various options available to prevent them from losing their homes. For example, a Chapter 13 bankruptcy may be an option in order to save a home. The automatic stay imposed through a bankruptcy filing buys a debtor more time to establish a repayment plan. No collection efforts may take place while the stay is in effect. As such, foreclosure proceedings are halted as long as a foreclosure sale has not taken place.

A bankruptcy can also reduce (or eliminate) other troubling debts, such as high interest credit cards and medical bills, making it easier to afford the mortgage. Moreover, bankruptcy allows a debtor may keep assets accumulated through a retirement plan (instead of sacrificing them in an attempt to pay down bills) and remain in possession of the home while following a court-approved payment plan.

Troubled homeowners also have the option of seeking a mortgage modification, which would lower payments to match the current value of the property and the homeowner’s income.

If you are facing foreclosure, it is important to understand all of your legal options, even before considering bankruptcy. Contact an experienced attorney to learn more.

Article provided by Law Office of Robert Braverman, LLC
Visit us at www.bravermanlaw.com