How to protect seniors -- older parents, relatives and loved ones -- who live alone. Tips on what to do in case of an emergency. Safety ideas.

Thursday, January 15, 2009


by Don Rose, Writer, Life Alert

Rule 4. Pay more than the minimum payment each month.

There are at least two good reasons for doing this. First, you will pay down the debt faster the more you pay each month, meaning you will ultimately pay less in total interest. Second, it looks better to the credit card company (and the credit reporting agencies) if you pay more than the minimum. Paying just the minimum sends the signal that you are barely scraping by, and hence not as good a credit risk, which can in some cases result in the card company raising your annual interest rate or lowering your credit limit (or both).

Monday, January 05, 2009


by Don Rose, Writer, Life Alert

Rule 3. Pay bills on time to avoid fees, credit report damage, and other penalties.

Typical late fees range from $29 to $39, and if you are over 30 days late many credit card companies will report you to one or more of the big three credit reporting agencies. Another negative of being late: the credit card company can impose other restrictions, like raising your annual APR (interest rate) as a penalty for lateness. Strive to pay your minimum payment (preferably more) at least a week before the due date; this will cause less stress, thanks to the one week time cushion for your payment to reach its destination.

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Life Alert is the leading emergency response company, dedicated to solving home safety issues. With a touch of a button, Life Alert sends help fast, 24/7, whether it’s for a medical, fall, fire, or home invasion emergency, even when you can’t reach a phone. Life Alert saves a life from a catastrophic every 10 minutes and has received over 25,000 testimonials from grateful customers since 2008, and was the ONLY company former Surgeon General, Dr. C. Everett Koop, endorsed until his death in 2013. Founded in 1987, Life Alert has become the industry leader in personal protection but also has become a pop culture icon with their classic slogan, “Help! I’ve fallen and I can’t get up!” which was ranked #1 by USA TODAY in its list of the most memorable TV commercials. In 2008, “The Martha Stewart Show” featured Life Alert and recommend them to all of the patients at the Martha Stewart Center for Living while pointing out that Life Alert is "so inexpensive yet so vital for people." Life Alert, their slogan and/or pendant have been featured in many T.V. shows such as 30 Rock, Supernatural, The Goldbergs, and Jay Leno frequently referred to their famous slogan on The Tonight Show.