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By Rebecca Ruiz Drew McWilliams, a clinician and the Chief Operating Officer at Morrison Child and Family Services in Portland, Ore., suggests that amid the underwater mortgages, chronic unemployment and other fallout of the recent recession, a less obvious but equally worrying phenomenon has emerged: the troubled minds of children. Since the financial collapse of 2008, McWilliams said his clinic has seen an increasing number of children suffering anxiety, depression and post-traumatic stress disorder. Of the 6,000 children that the center treats through in- and out-patient programs, McWilliams said many are trying to cope with the stress borne of persistent financial insecurity. "Parents are struggling with their own issues and that spills over to their kids," he said. Most parents don't think children are affected by financial burdens. In a 2010 survey, the American Psychological Association found that 69 percent of parents said their stress had little or no impact on their kids, while 91 percent of children said they saw the effects in their parents' behavior, which included yelling and arguing. The young respondents who noticed their parents' tension reported feeling sad, worried and frustrated. The developing brain is also more vulnerable to chronic stress than most parents may realize. New and emerging research hints at how the constant barrage of stress hormones can change the way the brain develops, causing behavioral and psychological disorders and putting children at risk for mental illness later in life. While the brain's malleability may be worrisome, it also means positive changes can occur with the right interventions. "Kids who face adversity have highs and lows, strengths and weaknesses," said Christopher Sarampote, a program officer at the National Institute of Mental Health who focuses on trauma and anxiety disorders. "Parents can really be strong agents of change." It may not always feel that way to the millions of parents who have struggled since the recession. In addition to the middle-class families that have experienced unemployment, the number of children living in high-poverty areas increased by 25 percent to nearly 8 million in the last decade, according to a recent report. Last month, the child advocacy group First Focus reported that the foreclosure crisis has affected 8 million children, 2.3 million of whom have lost their homes. Money remains a top stressor, according to an APA survey published in January. Forty-four percent of respondents also felt their stress had increased over the past five years. McWilliams said parents may be more vulnerable than they realize: "So many of the parents also struggle with their own anxiety or depression. It gets exacerbated when folks are worrying about job prospects or when unemployment might run out." Susan Lowery O'Connell is a psychologist who manages an early-childhood mental health program in Stark County, Ohio, which includes the city of Canton. The program works with parents, teaching them about child and brain development and how to model self-control and resilience to their children. She understands why it's difficult for some adults to make the connection between their financial struggles and the mental health of their kids. "When you don't have a roof over your head, you're not really worried about emotional literacy," she said. "However, if that happens during your children's development, it's really making a mark." This mark goes much deeper than most might expect. Increasingly, research shows that experiences and the environment in which we live can alter the way genes behave. Chemical switches that regulate gene expression can be influenced by experience through a process called epigenetics. Stress, neglect and abuse, for example, is thought to trigger a cascade of signals that cause chemical markers to attach to a gene. The DNA remains unchanged, but almost like a light switch, the markers can turn a gene on or off. In particular, scientists have studied what happens when markers attach to a gene that regulates stress hormones. In a small study published in PLoS ONE in January, researchers found that childhood adversity in the form of maltreatment, parental loss or abandonment altered a control mechanism for a key gene that regulates the brain's ability to handle stress hormones. The subjects weren't aware of the change; it happened silently as their environment influenced their genes. The effects of early-life stress and hormone disruption, said the researchers, are a risk factor for major depression and post-traumatic stress disorder. The aftermath of adversity can also reach beyond genes. Researchers have found that the hippocampus, a portion of the brain critical to learning and memory, is vulnerable to stress. Last year, researchers studied brain images of 317 children from varying socioeconomic backgrounds and found that the hippocampus tended to be smaller in participants with lower family incomes and bigger in more affluent subjects. A smaller hippocampus has been linked to several psychiatric disorders, including schizophrenia, anti-social personality disorder, major depression and PTSD. In a study published in February, researchers found, among the 193 participants, reduced hippocampal volume in individuals who had experienced childhood maltreatment, which most commonly included physical abuse and parental verbal abuse. They also found a significant relationship between maltreatment and parental education and perceived financial stability. These studies illuminate the relationship between childhood adversity and mental health, but Christopher Sarampote, of the NIMH, cautions that the research is emerging and much remains unknown. "We know there's a great degree of variability in the types of outcomes," he said. "You see everything from anxiety disorders to depression to behavior disorders -- even no disorder. You can have children where you don't see an impact for several years." No agency has tracked youth mental health as tied to the economy, but according to the Centers for Disease Control and Prevention, 5 percent of children aged 4 to 17 were characterized by their parents as having "serious emotional or behavioral difficulties" between 2004 and 2009. In each age group, that number was much higher among low-income children than among their wealthier peers. Researchers and social workers have a hard time untangling why financial insecurity is a risk factor for mental illness, but those on the front lines see the dynamic play out daily. "Poverty works against resilience," said Lowery O'Connell, noting that research has shown that low-income kids face developmental setbacks of up to 18 months, compared to their well-off peers. Teachers and parents often see behavioral problems when a child cries excessively, has difficulty playing with others or is disengaged in class. What they're really trying to express, said Lowery O'Connell, is "I'm missing pieces, I'm not managing well." Children dealing with high-stress situations won't just "get over" stress, she said. Instead, they have to decrease their stress response by performing a cognitive task, like attaching a word to how they feel or focusing their attention elsewhere. These are skills that don't come intuitively, but must be taught by attentive parents and teachers. Morrison Child and Family Services in Portland focuses on identifying at least one advocate or ally in a child's life; research has shown that the consistent presence of a single nurturing adult can greatly improve a child's resilience to traumatic events. "If there is no one," said McWilliams, "those are the kids that are most at risk." Dr. Liliana Lengua, director of the Center for Child and Family Well-being at the University of Washington, is examining the development of low-income kids by studying 306 families. She and her fellow researchers have shown that harsh and critical parenting can contribute to disruptions in children's stress hormones. Kids who grow up in poverty tend to have less self-control, according to the team's research. "[Parents] are such a major funnel or filter of the broader stressful experiences in kids' lives," Lengua said. The warmer and more instructive a parent can be, her research has shown, the more likely a child will exercise better self-control and have a consistent stress hormone response. Lengua has seen parents and children improve in tandem, but knows it's hard to achieve during times of economic hardship. "What's humbling is that there are really major life events in these families' lives," she said. "This is the fabric of life, how strong families are, how resilient families are." Rebecca Ruiz is a 2011-2012 Rosalynn Carter Mental Health Journalism Fellow.
The 10 Commandments of Wealth and Happiness

By Stacy Johnson

I’ve been doing TV news stories about saving more, spending less, and avoiding debt for more than 20 years. And I’m now financially independent. But unlike most wealthy people you’ve read about online or seen on Oprah, I didn’t get this way overnight, nor did I do it by selling books or advice. I did it the same way you can: one paycheck at a time over many years.

One of my young staffers recently asked if I could condense everything I’ve learned into 10 simple ideas that would serve as a guide to those starting out, starting over, or maybe beginning to realize they’re not where they’d like to be. While certainly a challenge, it’s a worthy one. So here goes: the 10 commandments of achieving financial independence and being happier while you do it … 1. Thou shalt live like you’re going to die tomorrow, but invest like you’re going to live forever.

The ease of making money in stocks, real estate, or other risk-based assets is inversely proportional to your time horizon. In other words, making money over long periods of time is easy – making money overnight is the flip of a coin. Money is like a tree: Plant it properly, care for it every so often, then wait patiently. Stare at a newly planted tree for 24 hours, and you’ll be convinced it’s not growing. Fixate on your investments the same way, and you could miss out on a game-changer.

The biggest winner in my IRA is Apple stock. I don’t remember exactly when I bought it, but I’m guessing it was in 2002 or 2003. My split adjusted price is around $8/share: As I write this, Apple’s trading at around $300/share, for a gain of 3,800 percent. Had I been listening to CNBC or some other “news” outlet that promotes constant trading, I almost certainly wouldn’t still own it. Patience is certainly a virtue when it comes to investing. I invested a bunch of money and built my online portfolio when the Dow was hitting generational lows back in spring 2009. I had no idea where the market was going next. I was every bit as scared as the next guy.

But having lived through similar times before – I was a stockbroker during the market crash of 1987 – and since I’m only in my mid-50s, I was confident the economy would rebound sometime before I died. While the stock market has come back quite nicely since then, in many parts of the country, housing prices haven’t. That’s why I’m now looking for real estate investments. Are you? In short, enjoy your life to the fullest every day – live like you’re going to die tomorrow. But since you’re probably not going to die tomorrow, plant part of your money in quality stocks, real estate or other investments; then hold onto them. Don’t ignore your investments entirely – sometimes fundamental things change that indicate it’s time to move on – but don’t act rashly. Patience pays.

2. Thou shalt listen to thine own voice above all others. My job as a consumer reporter has included listening to countless sad stories about nice people being separated from their money by people who weren’t so nice. While these stories run the gamut from real estate deals to working at home, they all start the same way: with a promise of something that seems too good to be true. And they all end the same way: It is. Just last week, I helped someone who was about to lose money by applying for a government grant. If someone promises they can make you 3,000 percent in the stock market, they’re either a fool for sharing that information or a liar. Why would you send money to either one? When you hear someone promising a simple solution to a complex problem, stop listening to them and start listening to your own inner voice. You know there’s no pill that’s going to make you skinny. You know the government’s not handing out free money for your small business. You know you can’t buy a house for $300. Stop listening to commercials and start listening to yourself.

3. Thou shalt covet bad economic times. Wealth is realized when the economy is booming, but that’s not when it’s created. Wealth is created when times are bad, unemployment is high, problems are massive, everybody’s freaking out, and there’s nothing but economic misery on the horizon. Would you rather buy a house for $400,000, or $200,000? Would you rather invest in stocks when the Dow is at 12,000 or 7,000? Obviously, nobody wants one in 10 Americans to be out of work. But the cyclical nature of our economy all but assures that this will happen periodically. If you’re one of the 90 percent who still has a job, this is the time you’ve been saving for. Stop listening to all the Chicken Littles in the media: The sky isn’t falling. Get busy – put your cash to work and create some wealth.

4. Thou shalt not work. MSN Money’s Liz Pulliam Weston recently wrote a great story called Pretend You Won the Lottery. She asked her Facebook fans to describe what they would do if they won the lottery. From that article: Most of the responses had a lot in common. People overwhelmingly wanted to: · Pay off all their debts. · Help their families. · Donate more to charity. · Pursue their passions, including travel. Note that these goals are largely achievable without winning the lottery. And that was her point: Listing what you’d like to do if money were no object puts you in touch with the way you’d really like to spend your life. My philosophy takes this concept a step further: When it comes to work, you should try to do something that you regard as so fulfilling that you’d do it even if it didn’t pay anything. In other words, the word “work” implies doing something you have to do, not something you want to do. You should never “work.” I’ve chosen to spend nearly all of my adult life in warm climates – I lived in Arizona for 10 years and have now lived in Fort Lauderdale for nearly that long. Why? Here’s what I’ve always said: “You already spend a third of your life sleeping. Why spend another third of it freezing your tail off?” No offense to you Northerners. I realize some people enjoy the cold. The point is that if you’re going to spend a huge part of your life working, don’t fill that time with what makes you the most money. Fill it with what makes you the most fulfilled. I made more money in 1990 managing a branch office for a Wall Street investment firm than I will this year. But I feel a lot less slimy (no offense to stockbrokers) and lot more fulfilled. You can’t put a price tag on that.

5. Thou shalt not create debt. I’m always getting questions about debt. “Should I borrow for this, that, or the other?” “What’s an acceptable debt level?” “Is there such a thing as good debt?” There’s way too much analysis and mystery around something that isn’t at all mysterious. Paying interest is nothing more or less than giving someone else your money in exchange for using theirs. Rule of thumb: To have as much money as possible, avoid giving yours to other people. Don’t ever borrow money because you want something you can’t afford. Borrow money in only two circumstances: when your back is against the wall, or when what you’re buying will increase in value by more than what you’re paying in interest. Debt also affects you on a level that can’t be defined in dollars. When you owe money, in a very real way you’re a slave to that lender until you pay it back. When you don’t, you’re much more the master of your own destiny. There are two ways to achieve financial freedom: Have so much money that you can’t possibly spend it all (something exceedingly difficult to do) or don’t owe anybody anything. Granted, since you still have to eat and put a roof over your head, living debt-free doesn’t offer the same level of freedom as having more money than you can possibly spend. But living debt-free isn’t a matter of luck or even hard work. It’s a simple choice, available to everyone.

6. Thou shalt be frugal – but not miserly. The key to accumulating more savings isn’t to spend less – it’s to spend less without sacrificing your quality of life. If going out to dinner with your significant other is something that you enjoy, not doing it may create a happier bank balance, but an unhappier you – a trade-off that is neither worthwhile nor sustainable. Eating an appetizer at home, then splitting an entree at the restaurant, however, maintains your quality of life and fattens your bank account. Finding ways to save is important, but avoiding deprivation is just as important. In short, diets suck. Whether they’re food-related or money-related, if they leave you feeling deprived and unhappy, they’re not going to work. But there’s a difference between food diets and dollar diets: It’s hard to lose weight without depriving yourself of the foods you love, but it’s easy to reduce spending without depriving yourself of the things you love. Cottage cheese isn’t a suitable substitute for steak, but a used car is a perfectly acceptable substitute for a new one. And the list goes on: watching TV online rather than paying for cable, buying generics when they’re just as good as name brands, using house-swapping to get free lodging, downloading books from the library instead of Amazon… No matter what you love, from physical possessions to travel, there are ways to save without reducing your quality of life.

7. Thou shalt not regard possessions in terms of money, but time. You go to the mall and spend $150 on clothes. But what you spent isn’t just $150. If you earn $150 a day, you just spent a day of your life. Almost every resource you have, from physical possessions to money, is renewable. The amount of time you have on this planet, however, is finite. Once used, it can never be replaced. So when you spend money – especially if you earned that money by doing something you had to do instead of what you wanted to do – you’re spending your life. This doesn’t mean that you should never spend money. If those clothes are all that important to you, by all means, buy them. But if it’s really not going to make you that much happier, don’t. Think of it this way: If you can live on $150 a day, every time you forgo spending $150, you just get one day closer to financial independence.

8. Thou shalt consider opportunity cost. This is related to the commandment above. Opportunity cost is an accounting term that describes the cost of missing out on alternative uses for that money. For example, when I said above that not spending $150 on clothes puts you $150 closer to independence, that was a gross understatement. Because when you save $150, investing those savings gives you the opportunity to have more savings. If you’re earning 10 percent, $150 invested for 20 years will ultimately make you $1,000 richer. If you can live on $150 a day, ignoring inflation, you can now retire nearly a week sooner, not just a day. One of the exercises in my most recent book, Life or Debt, is to go around your house and identify things you bought but probably didn’t want or need. A quick way to do this is to find things you haven’t touched in months. These were probably impulse buys. Add up the cost of these things, multiply them by 7, and you’ll arrive at the amount of money you could have had if you’d invested that money at 10 percent for 20 years rather than wasting it. And when you do this, consider the stuff in your closet, the stuff in your garage, the rooms of your house that you heat and cool but don’t use, the new cars you’ve bought when used would have worked. The truth is that most of us have already blown the opportunity to achieve financial independence much sooner. Maybe now’s the time to stop.

9. Thou shalt not put off till tomorrow what thou can save today. Shortly after I began my television career in 1988, I went on set with a pack of smokes, a can of soda, and a candy bar. I explained that these things represented the kind of money most of us throw away every day without thinking about it – at the time, about $5. But compound $5 at 10 percent for 30 years, and you’ll end up with about $340,000. That’s why learning to save a few bucks here and there and investing it is so important. Fortunes are rarely made by investing big bucks, nor are they often made late in life. Wealth most often comes from starting small and early. In short, there are limited ways to get rich. You can inherit, marry well, build a valuable business, successfully capitalize on exceptional talent, get exceedingly lucky – or spend less than you make and consistently invest your savings over time. Even if you’re on the road to any of the former, why not do the latter?

10. Thou shalt not covet thy neighbor’s stuff. If this commandment sounds familiar, that’s because it resembles the Biblical 10th commandment: Thou shalt not covet thy neighbor’s house, thou shalt not covet thy neighbor’s wife, nor his manservant, nor his maidservant, nor his ox, nor his ass, nor any thing that is thy neighbor’s. (Exodus 20:17) Envy may not be the root of all evil, but it is the root of much wasted money. As I’m fond of saying, you can either look rich or be rich, but you probably won’t live long enough to accomplish both. I’ve lived both ways, and trust me: Being rich is way better than using debt to look rich. We’ll all admit that when on the verge of making a purchase decision, we’re often thinking of what our friends will say when they see it. Normal human behavior? Sure, but it’s not in your best interest, or theirs. Making your friends feel jealous isn’t nice, and feeling envy for other people’s possessions is silly. Possessions have never made anyone happy, nor will they. Decide what really makes you happy, then spend – or not – accordingly. When your friends make an impressive addition to their collection of material possessions, be happy for them. One of the stupidest expressions ever coined was: “The one who dies with the most toys wins.” When you’re on your death bed, you won’t be thinking about the things you had – you’ll be thinking about the times you had.

excerpt from The Huffington post by Ann Brenoff

So you thought it was just your teenagers that you had to keep away from drugs? According to addiction experts, you might need to deliver the Nancy Reagan "just say no" speech to your aging parents as well.

Abuse of mind-altering prescription drugs by Americans 50 and older is projected to triple by 2020 to 2.7 million, according to a 2005 study in the Annals of Epidemiology, with people over 65 taking more than six unique prescriptions a year on average.

Combining multiple prescriptions can be deadly: A British study published last year in the Journal of the American Geriatrics Society found combined side-effects of commonly used drugs can boost the risk of death in people over 65. The drugs involved, both prescription and over-the-counter, were used to treat allergies, depression, cardiac disease, bladder disease and pain relief.

Women are particularly at risk. An estimated 11 percent of women over 59 are addicted to prescription medications, according to a report last year in the Journal Of Mental Health Counseling. The report noted several life events that can become catalysts to substance abuse: adjusting to retirement, an empty nest, acute or chronic medical problems, inability to continue living independently, or deaths of loved ones.

How can you ensure that your mom and dad -- or even you -- aren't abusing prescription drugs?

It's important to recognize what Post-50 drug abuse looks like. Experts say that the top five signs to watch for are: frequent falls, an unkempt appearance, sleeping all day, frequently misplaced items such as keys and disinterest in activities. These signs of a drug abuse problem are often overlooked because they mimic those of other ailments associated with age.

Dr. John Harsany, an addiction expert and medical director of the Riverside County (Calif.) Substance Abuse program, notes that seniors, in general, take more drugs than the rest of population. As people age, there is a general decrease in body fat and body-water. This decreases the body's ability to process medications and makes seniors more prone to addiction from a physiological perspective, he said.

What precautions can adult children take to make sure their parents don't slip into drug abuse?

Be vigilant about what drugs are used in the hospital post-surgery.

Opiates are routinely prescribed to manage pain post-surgery. And let's face it, they not only numb the surgical pain, but they also erase Mom's arthritic aches and the pain from Dad's sciatica. But when the morphine drip stops flowing, all the aches and pains come back and that wonderful relief is gone. Mom and Dad very well may ask for more of the good stuff and be given it.

It's a good idea for adult children to review in advance with the doctors what the pain management plan is post-surgery -- and to make sure the plan is followed. With no disparity intended toward hard-working and under-staffed nurses, there is a tendency to grab the nearest on-call doctor to sign an order for more pain meds if the patient is asking for them. There are other techniques to control the pain that follows having an operation that don't lead to a dangerous drug abuse problem. Post-surgery drugs can be the opening of the door to addiction.

Need some more motivation? Harsany says that every hour, two people die from pain pills and every 12.5 minutes someone dies of a prescription drug interaction.

Question the need for pain meds that go home with the patient. Is the pain something that can be managed with Tylenol or Motrin or is Vicodin really necessary? And if it's Vicodin, how many tablets are actually necessary for the first few days at home? Often, senior patients are released from a hospital stay with generous supplies of pain medications that make them drowsy or dizzy. They mistakenly think that if the doctor prescribed 30 pills, all should be taken. A trip out of bed to use the bathroom when they are under the influence of pain medications could wind up with a fall and broken bones, which will of course lead to the prescription of more pain meds.

Make sure that good nutrition and good hydration are part of the recovery process.

Harsany's recommendation: Try over-the-counter Melatonin products before asking for a prescription sleeping aid. And seniors should drink 8 ounces of water every three hours from 8 am to 8 p.m. Get Mom or Dad in the habit of carrying a water bottle and sipping from it. The exceptions are those at risk for renal or cardiac issues, who should check with their physicians. A primary caregiver needs to be certain that balanced meals are eaten every day. Getting meals delivered are a good thing, but if they aren't eaten, they do no one any good.

Don't assume that because a doctor prescribed it, it must be OK. Many seniors have a medicine cabinet full of prescriptions that they take every day. In some cases, the prescriptions are written by different doctors and no one doctor knows the full roster of drugs the patient is taking. Harsany knows of a patient who came to his recovery center with 21 pill vials. Three of them were prescribed by different doctors for the same medical condition. "It was a redundancy," he said, "and one that left the patient feeling light-headed and unfocused." If you aren't alert, how do you remember whether you've even taken your pills?

Adult children should write down every medicine Mom or Dad is taking, including the strength, and ask the doctor what each one is for. Are any duplicative in purpose? Are any likely to cause drowsiness? Can any be eliminated? Are there over-the-counter or holistic treatments available instead of the prescription drug? Medications aren't the panacea to some ills; be aware of what's going on emotionally.

Growing old can be a lonely experience. Sometimes, depression sets in following the loss of a spouse. The obstacles to pursuing things that were once pleasurable are insurmountable if you don't like to drive at night or are reluctant to travel alone. Part of caregiving is spending time with your parents and helping them figure out ways to continue to do what they enjoy. If the only attention you give them is taking them to the doctor, then being sick becomes their central activity.

The Huffington Post | By Carolyn Gregoire Posted: 03/15/2012 2:19 pm Updated: 03/16/2012 11:26 am

The dangerous new synthetic drug "bath salts" -- which mimics the effect of cocaine -- has recently been growing in popularity, particularly among teens, and raising alarm from parents, educators, and drug-enforcement officials. Last September, the U.S. Drug Enforcement Administration declared an "emergency scheduling authority" to control bath salts, and then banned three synthetic stimulants used to make the drugs in October.

Yesterday, local news station WNEM reported that a 14-year-old Michigan high school student was taken to the hospital after consuming bath salts. And in January, four students at Grand Valley State University in Michigan allegedly overdosed on bath salts in the school's dorms, according to WOOD TV8. The students in question were described as initially incoherent, and then laughing hysterically and acting violently.

Teens looking for a high find that the synthetic chemicals contained in bath salts -- which are also referred to as "purple wave," "zoom," "vanilla sky," and "cloud nine" -- cause an effect that mimics cocaine and methamphetamine. Most bath salts are MDPV, or methylenedioxypyrovalerone, a psychoactive drug with effects that include increased heart rate, dizziness, panic attacks, nausea, nosebleeds, and hallucinations.

According to Drug Addiction Treatment, the drug has been escalating in popularity over the past two years. While in 2009 there were no calls made to the Poison Control Center related to bath salts, in 2011, there were over 6,000. The growing commonality of using bath salts as a recreational drug has also led to robberies of the product at drug stores and other carriers. Last month in Michigan, two men broke into a discount store to steal $110 worth of bath salts for making drugs. It was the fourth time the store had been robbed since December.

Now, some states are regulating bath salt sales. Last month, the state of Colorado proposed a new law regarding bath salts that would make it a felony to manufacture or distribute the drug. A similar bill was passed last week in Alaska, making the state one of over 28 to issue a bath-salt ban.

Question: My mom lives with us and has some dementia. Right now, she understands to not leave our house or property, but I worry about what is to come. I read something about a “Silver Alert”. Are you familiar with it?

Answer: Absolutely! The Silver Alert has already been initiated in 11 states and is presently being suggested to our Tennessee legislature by AARP and other state officials. “Silver Alerts” are modeled after the “Amber Alert” program for abducted or missing children. The “Amber Alert” operational in all 50 states, immediately notifies law enforcement and other agencies when a child goes missing. A “Silver Alert” system is designed to help locate an adult who has wandered away from home or a care facility. Research shows that 6 out of 10 people with Alzheimer’s disease or other forms of dementia will wander at some point, and only 4 percent of those who leave home can find their way back. If they aren’t found within 24 hours, the risk of serious injury or death increases exponentially. I suggest you contact your lawmakers at legislature.state.tn.us. to express support of the “Silver Alert” concept. Hopefully, it will be implemented shortly in Tennessee.

Dorothy Goldwin is a Senior Care Consultant at Jewish Family Service. She can be reached at 767-8511 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it. .

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