While we think of acne as a teenage affliction, adults in surprising numbers are vulnerable to this skin disorder. Both teenagers and adults with acne often react by wanting to isolate. However, as a grown-up you should take some comfort in the knowledge that you are by no means alone.Statistics reveal that, at some time in their lives, 25% of adult men and 50% of adult women will experience an acne outbreak more serious that an occasional zit or two. So, the teenage stereotype basically is a myth.Adult Acne Solutions – Medicine and Other ApproachesAlmost always, the first thing that comes to mind for treating adult acne in its more virulent manifestations is what choices among the many acne medicines would make sense. Those under care of a dermatologist likely will be prescribed one or more of the most commonly indicated acne medications, including Accutane, Retin-A, Erythromycin, Tetracycline and Doxycycline.For really severe adult acne, i.e. the kind that can scar, many physicians are quick to prescribe Accutane. This is a very powerful medication that attacks the underlying cause of acne from the inside out by shrinking oil glands. An excess of skin oil is the underlying cause of acne. A natural oil called sebum builds to abnormal levels, clogging skin pores, leading to the growth of microbes which are responsible for acne flare-ups.One of Accutane’s huge drawbacks is its well documented incidence of side effects. First, it can produce severe birth defects in pregnant women. Secondly, many experience mild to moderate aches in the joints and muscles as well as dry and cracked lips, dry skin, dry mouth and dry nose.There are many who claim, on the other hand, that their adult acne is especially susceptible to treatment with benzoyl peroxide, an ingredient found in several of the over-the-counter creams and ointments. Excellent results are often obtained when these remedies are combined with good diet and proper hydration.Under any circumstances, if you do nothing else, drink plenty of water! Your skin needs water for hydration i.e. moisturizing. As an adult acne victim, your skin will suffer from dehydration. Control of acne is also enhanced by eating a balanced diet with plenty of fruits and vegetables.Combining diet and hydration with vitamins is also recommended. Vitamins A, B, C, and E are believed to have beneficial effects, especially vitamin A. The latter helps to control hormonal levels which in turn controls production of sebum. In addition, vitamin A operates as an antioxidant which strengthens skin tissue.Beyond medication, diet and hydration there are more invasive treatment techniques to which many turn to cope with the consequences of adult acne.MicrodermabrasionIn cases of mild acne scarring, microdermabrasion is becoming more of a treatment of choice. However, it is not useful for severe scarring. Moreover, those of advanced age or with sensitive skin usually are not candidates for this technique. One of its advantages is that the treatment is brief and results become apparent very quickly.Laser Skin ResurfacingLaser skin resurfacing is a relatively new process to come on the scene in adult acne treatment. By using a laser light, this method can reach even deeper skin layers than microdermabrasion.Chemical PeelingImprovement in skin discoloration and age spots, as well as light freckling and scarring also can be brought about by chemical peeling. It will stimulate growth of new, healthy skin cells which is quite beneficial for adult acne sufferers.What is the Price of All This Adult Acne Treatment? Costs for acne remedies can vary from just a few dollars for a tube of over-the-counter medication to thousands of dollars for more proactive approaches. Antibiotics and prescribed topical creams and lotions can cost upwards of $200 per month. Skin resurfacing treatments such as microdermabrasion, chemical peeling, lasers, etc. can cost from less than $100 to thousands, depending on where treatment is rendered. If you suffer from adult acne, watch out in Beverly Hills!
Centers for adult day care focus on providing elder care and companionship for senior citizens who require monitoring or assistance during the day. This can help family members or others caring for the elderly to be able to go to work, run errands, or have some personal time with the assurance that the senior citizen is being cared for and is safe. This program aims to delay or prevent the necessity of moving to a nursing home by offering alternative care, enhancing self-esteem, and setting up opportunities for socialization.Types of Adult Care FacilitiesTwo types of day care exist. One type is called adult social day care, and it offers senior citizens social activities, meals, recreation, and some health-related care. The other is called adult health day care, and it offers elder care with more specialized health, therapeutic, and social services for senior citizens with severe medical disorders and disabilities and those more prone to requiring care in a nursing home.Senior citizens who take part in these programs usually do so on a scheduled basis. Following is a list of some services offered in adult care centers:
Medical management Adult day care centers are generally open during normal business hours. They may stand alone or be a branch of senior centers, nursing homes, home health care agencies, religious institutions, hospitals, or schools. Those providing the elder care may monitor medications, provide meals and snacks, perform therapy, set up social activities, and organize transportation to and from the center.Is Adult Day Care the Right Choice for Our Family?If you are wondering whether you or a family member can benefit from adult day care, the following case study might answer some of your questions. Paul is a 69-year-old man who has had a stroke. He moves in with his son, David, and daughter-in-law, Kira, for supervision and support, but since they both work, Paul needs a different type of care during the day. Their solution is for Kira to take Paul to an adult day care center in the morning and for David to pick him up after work. The center is able to monitor Paul’s medications and provides lunch, some physical therapy, and social activities with other senior citizens while David and Kira are at work.Adult Day Care Facilities: Choosing the Right FacilityWhen searching for the right adult day care center for you or your loved one, it’s important to note that there may be vast differences among centers, so you may want to find out about each center near you. Visiting the centers and talking those providing the elder care and other families who take part in this program may help you determine whether a certain facility meets your needs.Another important factor to consider is cost, which can range from $25 to $100 per day depending on factors like which services are included, where the center is located, and the type of reimbursement. These costs are generally not covered by Medicare, but some financial assistance may be available through federal or state programs such as Medicaid, the Older Americans Act, and the Veterans Administration.Contacting your local aging information and assistance provider or area agency on aging can provide you with listings and information of specific centers located near you. The Eldercare Locator (www.eldercare.gov) can help you connect to these agencies. This is also a helpful website to peruse if you’re considering assistive technology as an option. Some area agencies can assist senior citizens and those involved in their elder care with finding and buying low-cost assistive technology, as can local civic groups, religious and veterans’ organizations, and senior centers.If you’re looking for general information about adult day care and its programs, the National Adult Day Services Association can link you to a state adult day care association. You can reach this service at http://www.nadsa.org.
One of the biggest mistakes I’ve seen people make when it comes to financial planning is to ignore it completely or put it off for so long that the big benefits of financial planning expire worthless. The earlier you start planning the more bang you’ll get for your buck, however, financial planning is valuable at any age.
Most people put off thinking about planning because of misconceptions about what the process involves or how it can benefit them. As part of its public education efforts, Certified Financial Planner Board of Standards Inc. (CFP Board) surveyed CFP® professionals about mistakes people make when approaching financial planning. The survey showed the public’s most frequent mistakes included:
· Failing to set measurable financial goals.
· Making a financial decision without understanding its effect on other financial issues.
· Confusing financial planning with investing.
· Neglecting to re-evaluate their plan periodically.
· Thinking that planning is only for the wealthy.
· Thinking that planning is for when they get older.
· Thinking that financial planning is the same as retirement planning.
· Waiting until a money crisis to begin planning.
· Expecting unrealistic returns on investments.
· Thinking that using a planner means losing control.
· Believing that financial planning is primarily tax planning.
Make Your Money Count with A Plan
To avoid making the mistakes listed above, realize that what matters most to you is the focus of your planning. The results you get from working with a planner are as much your responsibility as they are those of the planner. To achieve the best ROI from your financial planning engagement, consider the following advice.
Start planning as soon as you can: Don’t delay your financial planning. People who save or invest small amounts of money early, and often, tend to do better than those who wait until later in life. Similarly, by developing good financial planning habits, such as saving, budgeting, investing and regularly reviewing your finances early in life, you will be better prepared to meet life changes and handle emergencies.
Be realistic in your expectations:Financial planning is a common sense approach to managing your finances to reach your life goals. It cannot change your situation overnight; it is a lifelong process. Remember that events beyond your control, such as inflation or changes in the stock market or interest rates, will affect your financial planning results.
Set measurable financial goals: Set specific targets of the results you want to achieve and when you want to achieve them. For example, instead of saying you want to be “comfortable” when you retire or that you want your children or grandchildren to attend “good” schools, quantify what “comfortable” and “good” mean so that you’ll know when you’ve reached your goals.
Realize that you are in charge:When working with a financial planner, be sure you understand the financial planning process and what the planner should be doing to help you make your money count. The planner needs all relevant information on your financial situation and your purpose (what matters most to you). Always ask questions about the recommendations offered to you and play an active role in decision-making. Being in charge means your financial planner doesn’t take all the responsibility for every decision.
Understand the effect of each financial decision and the big picture: Each financial decision you make can affect several other areas of your life. For example, an investment decision may have tax consequences that are harmful to your estate plans. Or a decision about your child’s education may affect when and how you meet your retirement goals. Remember that all of your financial decisions are will impact the big picture of your overall plan. This is where the skills of a professional financial planner can make a big difference.
Re-evaluate your financial situation periodically: Financial planning is a dynamic process. Your financial goals may change over the years due to changes in your lifestyle or circumstances, such as an inheritance, marriage, birth, house purchase or change of job status. Revisit and revise your financial plan as time goes by to reflect these changes so that you can stay on track with your long-term goals.
Successful planning offers many rewards in addition to helping you Make Your Money Count and achieving what matters most to you. When CFP® professionals were surveyed about the most significant benefit of financial planning in their own lives, the top answer was “peace of mind.” Over my career, many clients have told me that their purpose for financial planning is the same – peace of mind. When you invest the time and money to work with a competent and trustworthy planner, you are far more likely to go to bed at night knowing you did everything possible to make your money count for the people you love.