Carolyn Rosenblatt, Nurse-Attorney, Mediator, Author

  • Home
  • Consulting & Coaching
    • Mediation Services
    • Testimonials
  • Books
  • About Carolyn Rosenblatt
  • Contact Us
  • Blog

August 2, 2012 by drmikol

Why Do You Argue With Siblings About Your Aging Parents?

Lots of Boomer-aged siblings find themselves fighting about their aging parents.

Should Mom be allowed to stay in her home even though she’s really not safe living alone?  How about the driving issue?  Does one parent have Alzheimer’s or some other dementia and some siblings are in denial about it?  Who pays for a parent’s care? These are common areas of disagreement in families that can tear apart relationships if you are not mindful of how you fight.

You can’t stop your brothers or sisters from having a different way of seeing your parent’s situation, but you can change the way you approach the conversation with them.

Getting along, and agreeing to disagree are manageable if you know how.

In some ways it’s like the fair fighting rules for married people or couples. There are things you can do and things you should never do.  The most destructive things we do when we are in a conflict with siblings can’t be undone.  Emotionally loaded subjects can bring out the worst in families.  If you are aware of fighting fair, you have a better chance of still being on speaking terms with siblings after your parents pass on.

Some of the worst mistakes are the same for any fight:  they are verbally violent and cause harm that may last long after the fight ends. The basics of fair fighting are the equivalent of not “hitting below the belt”.  They include setting up a few ground rules. We use them at AgingParents.com when we have to work with sibling warfare in a family meeting by phone or in person, sitting at a table.
The subject of parents in declining health brings up a lot of feelings, good or not, about the parent and each person’s relationship with the parent.  It also brings up a lot about the siblings relationships with each other, sometimes things never discussed before.  Things can get explosive.

Here are ground rules we always ask people to follow to keep it civil, though some can’t seem to restrain themselves from doing otherwise.  These rules do help everyone actually communicate while struggling with a load of emotions rising to the surface about Mom or Dad.

1. No name calling, no swearing and cursing, and no shouting at each other.  These are all forms of verbal violence and they can cause hurt you may not mean to cause.  Restrain yourself and see if everyone can agree to do the same.

2.  Define among you what you’re going to talk about ahead of the conversation and stick to it. It will reduce the magnitude of the disagreement and keep the door closed, for now, on other volatile subjects.  Make a list or agenda if you need to.  It can help.

3.  Agree to avoid bringing up the past, especially about decades old hurts. If you focus on what Mom or Dad needs, things will go a lot better.  Stick to the problem with your parent that caused this conversation in the first place.

4.  Don’t start sentences with “You”.  Statements like “You can’t be bothered!” or “You don’t care about anyone else” don’t get anyone anywhere in a fight.  They tend to make the other sibling defensive and it gets worse from there.

5.  No interrupting. You need to listen to the sibling who is talking.  It helps to have a leader in the conversation to keep this rule in force. If there isn’t one, you can remind others that we agreed to not interrupt each other.

6.  Don’t clam up, no matter how angry you get in a fight with a sibling,. Be honest about your feelings and keep your message about what you want to do clear.  Take a breath or take a break, but come back and be straight about what is bothering you.

7.  Ask your sibling what he or she needs.  It sounds simple, but this rarely happens.  You can find out a lot about how to resolve your disagreements if you ask more questions of those who are involved in the fight with you. If a sibling is angry with you because there is something he or she is not getting, perhaps they’ll admit it and you can do something about it.

8. Avoid absolute statements like “you never contribute a dime” or “I always know you’ll disappear when there’s work to do”.  If you try another tack such as “I’m feeling overwhelmed by the work of taking care of Dad and I would like you to come next month and give me a break” is going to work a lot better than the “always’, “never” extreme statements.

No matter how your relationships have been with siblings in the past, we can all do better when an aging parent conflict comes up.  The rules of fair fighting work.  Try discussing them, passing them around or testing the waters with siblings by bringing up the idea before any meeting at which you anticipate an argument.  It might be a big relief to you when things go better than ever.

Until next time,
Carolyn Rosenblatt
AgingParents.com

Filed Under: aging, aging parents, mortgagesm elder financial abuse, reverse mortgages Tagged With: aging, aging parents, elsers, mortgages, reverse mortgages, seniors

July 26, 2012 by drmikol

Listen to our own Carolyn Rosenblat, interviewed on Blog Talk Radio


Listen to internet radio with Why Wait on Blog Talk Radio

Filed Under: aging, aging parents, mortgagesm elder financial abuse, reverse mortgages Tagged With: aging, aging parents, elsers, mortgages, reverse mortgages, seniors

July 25, 2012 by drmikol

Free Q & A Teleconference – Ask the Experts about Aging Parents

Free Question & Answer Teleconference – Ask the Experts about Aging Parents

We would like to invite you to our free Q & A teleconference, where you will have a personal opportunity to get your questions answered.We are passionate about offering information and solutions to the worst difficulties shared by those with aging loved ones. We will also be learning from you about what are the most common problems you face with your aging loved ones.

CAUTION:  This teleconference will not provide specific legal or medical advice! We are  not a substitute for seeking advice from your own doctor or lawyer on your matter in your state.  If you need specific legal or medical advice, we urge you to obtain it from your own lawyer or doctor.

Tomorrow

When: July 26, 2012

Time; 4:30-5:00 pm PDT

Where: Please call in to our teleconference at  605 475-4825#

We sincerely hope you can attend. Oh yes the above number is a toll charge to some.

We both look forward to hearing from you.

Until next time,
Carolyn Rosenblatt and Dr. Mikol Davis,

Aging Parents.com

Filed Under: aging, aging parents, mortgagesm elder financial abuse, reverse mortgages Tagged With: aging, aging parents, elsers, mortgages, reverse mortgages, seniors

July 24, 2012 by drmikol

Hidden Truths About Reverse Mortgages

Hidden Truths About Reverse Mortgages

 

Who would ever think of a reverse mortgage being a form of financial elder abuse? There are some hidden dangers in these products and you need to know about them.  Unsuitable mortgages are abusive.  They are not right for some people over 62.
Mikol and I recently attend the San Francisco 7th Annual Conference on Elder Abuse. An expert panel spoke about reverse mortgages, drawing back the curtain that cloaks the truth: they can create some new problems the broker isn’t telling you about.  We learned a lot and we want to share this with you.  The ads make them look so great.  Vacations, living a great lifestyle, happy couples, smiling at their good fortune.  Rewards are repeated again and again.
Sincere movie stars of a certain age make the commercials believable.  You can get cash now.  It’s so easy.  Just get your reverse mortgage and your problems will be solved.  Pay off debt.  Have fun.
What’s wrong with this picture?
Sincere movie stars of a certain age make the commercials believable.  You can get cash now.  It’s so easy.  Just get your reverse mortgage and your problems will be solved.  Pay off debt.  Have fun.
What’s wrong with this picture?
A reverse mortgage is more debt and one of the most expensive forms of credit you can get.
They are very complicated and hard to understand.  Know these risks and dangers of reverse mortgages:
The Elder Might Need A Care Home in the Future
Say your parent gets a reverse mortgage and a few years go by. What happens when they have to move out of the home into assisted living or a nursing home?  The mortgage becomes due. Now, there is the expense of paying it off, besides the high cost of the assisted living or nursing home care.  It can leave an elder homeless.
It Can Affect Any Dependent in the Home
If the elder who happens to need care in a facility has non-borrowing family members in that home, the loan is still due.  Anyone left in the home must move out, go to a care facility or be taken in by someone else. That can include a non-borrowing spouse, child or grandchild. They are “tenants” according the the rules of reverse mortgages and they have to leave the home when the elder goes.
It Can Go Into Default
If an elder with a reverse mortgage fails to pay property taxes, to keep up insurance on the home, or fails to maintain the home, he is in default.  The lender can then foreclose.  Lenders are in a good position to purchase such properties cheaply and then flip them for a good profit.  Elders who are low on cash may fail to pay home insurance premiums or property taxes.  If they are getting forgetful, they might not maintain their properties.
When the Elder Dies, the Heirs Must Pay Off the Loan
The entire principal, plus accrued interest and service fees must be paid in full to the lender before the heirs can rightfully take possession of the home. This debt may exceed the actual market value of the home. If they can’t pay the debt, the lender has the right to foreclose and sell the property.  Low wealth heirs are not likely to be able to pay the debt and those homes fall into foreclosure. Goodbye inheritance.
The Amount the Lender Will Loan is Limited
There are seemingly irrational formulas used to calculate how much a borrower can get on a reverse mortgage.  If an elder lives into one’s 90’s, becoming more common these days, there is a risk that the amount loaned will not be enough to sustain the elder who needs long term care at home.  The elder can run out of money to make the loan payments, go into default and end up homeless and impoverished. This is a real risk, particularly for anyone who thinks it’s a dandy idea to take out a reverse mortgage to pay for home care providers.  If the elder borrows, say, $200,000, and ends up needing care 24/7, that reverse mortgage cash she got will be exhausted in about two years or less.  Then what?  Default, foreclosure and Medicaid paid nursing home.
According to Norma Paz Garcia, Senior Attorney for Consumer’s Union of the United States, there is no suitability standard for reverse mortgages for seniors and we need better standards.  She warns that all seniors need viable and truthful counseling to warn of the negative consequences and potential harm of reverse mortgage products.  She urges borrowers to consider any other possible alternatives to raising cash such as a forward mortgage equity line, inter-family loans, local government loans or public benefits.
So what’s the bottom line?  Consider a reverse mortgage an option of last resort. If you or your aging parent thinks it’s a good idea, get advice from a competent financial planner and elder law attorney before doing anything.  Recognize that your aging loved one might not be in perfect health to the end of her days and that care at  home might cost more than a reverse mortgage could cover, especially over a period of years.  There just might be less costly, better ways to borrow when elders need it.
Until next time,
Carolyn Rosenblatt

AgingParents.com

Filed Under: aging, aging parents, mortgagesm elder financial abuse, reverse mortgages Tagged With: aging, aging parents, elsers, mortgages, reverse mortgages, seniors

Founder of AgingInvestor.com

Critical issues facing Financial Professionals, Click Here to find out more....

Founder of AgingParents.com

Click Here to find out more....

Carolyn’s Blog on Forbes

Click Here to find out more

Latest Radio Interview

Click Here

 

Start here

  • Books
  • Consulting & Coaching
  • Home
  • Testimonials
  • Contact Us
  • Blog
  • Mediation Services
  • About Carolyn Rosenblatt

Our Facebook

Click Here

 

Copyright © 2026 · Executive Pro Theme on Genesis Framework · WordPress · Log in