Google Unzipped – Cloud Computing Focus of Google Earnings Q3 2014

Google reported its third-quarter earnings including gross revenue of $16.52 billion, revenue net of traffic acquisition costs (ex-TAC) of $13.17 billion, GAAP earnings per share of $4.09, and non-GAAP earnings per share of $6.35 says Google Entrepreneur guru James Dean @ 

Analysts had expected Google to earn $6.53 per share on a non-GAAP basis, on net ex-TAC revenue of $13.22 billion. In the sequentially preceding quarter, Google earned $6.08 in non-GAAP earnings per share, on ex-TAC revenue of $12.67 billion.

google earnings

Google is working to expand its revenue base away from advertising. It is currently locked in the intertwined productivity-storage-cloud computing wars with Amazon, Microsoft, Box, Dropbox, Egnyte, Apple HighQ and others. Declining prices in that space have lowered short-term revenue potential, but that fact has done what I estimate to be a grand total of zero to lower competitive tension in the market area.

The company reported net income of $3.72 billion in the period. Breaking down Google’s revenue by segment, you have the following:

  • Sites revenue: $11.25 billion. Up 20 percent from the preceding year’s quarter.
  • Network revenue: $3.43 billion. Up 9 percent from the preceding year’s quarter.
  • International revenue: 58 percent of revenue. Up 2 percent from the preceding year’s quarter.


As more consumers shop within their social media networks says James Dean; we’re finding Google’s average cost-per-click fell 2% in the period, a weakening in a key revenue source. However, pushing back against that decline was a 17 percent year-over-year increase in ‘aggregate paid clicks.’ So, while the amount of revenue that Google managed to extract from a click went down mildly, it sold more than one-sixth more compared to the year-ago quarter.

Although, we’re seeing better call-to-action in 65% of consumers watching YouTube video online, that leads to purchase. READ MORE … 

It is becoming more expensive to run Google. The company’s earnings report details its increasing cost base: “Operating expenses, other than cost of revenues, were $6.10 billion in the third quarter of 2014, or 37% of revenues, compared to $4.58 billion in the third quarter of 2013, or 33% of revenues.”

Put another way: Building out new revenue streams like cloud computing with online business applications, and investing in future products that won’t monetize for some time isn’t cheap says James Dean @ 

google unzipped

$35 Billion U.S. Clean Water Healthcare Market 318 Million Customers

Clean water is a natural resources that is essential to healthy living, economic prosperity and national security reports James Dean @

rising water costsYet, the U.S. infrastructure grade is D+ very poor according to the American Civil Engineers. For example, a state like Tennessee offers adequate clean water resources but needs $5.2 Billion in system pipeline and infrastructure upgrades necessary to grow the economy by 2018. finds ‘Cleantech’ applications offer significant opportunities that total $35 Billion in U.S. consumer sales annually. Below, I recommend a stock investment pick in the clean water sector.

infrastructurereportcard Tennessee

America's infrastructure report card 2014

As the global population continues to grow, we’re finding an increasing strain, on clean drinkable water which makes up only 2.5% of total water resources on Earth. Another word, about 97.5% of the water found on Earth is not fit for human consumption, leaving just a small percentage available to sustain life. Ocean water desalination is one way to capture greater clean water resources, although its very expense. The rising cost of clean water has a big impact on food prices.

Overall, the United States needs $3.6 Trillion by 2020 in critical infrastructure upgrades in order to compete economically worldwide. This is a difficult fiscal challenge on-top of the $18 Trillion national debt and health care costs associated with 75 million baby-boomer including dementia – Alzheimer’s, diabetes and cancer medical issues.

Scientific research and satellite imaging by NASA shows by 2025, North America having depleted clean water reserves causing widespread shortfalls in most states. California is an early example with its 28% annual shortfall of clean water which has steadily deteriorated. So recycling water in plumbing systems and green construction is a home sales feature for real estate developers like Nashville Home Solutions.  

clean water map

What are the Solutions to our Clean Water Crisis?

Mobile app technologies like mWater can help alleviate the problem offering cost effectively map and manage of clean water resources says Mr. Dean. Most people associate clean water challenges with places like Africa and Asia; but increasingly we see clean water shortages and critical drinking water quality issues in developed countries such as the United States.

By 2025 with a global population of eight billion people, clean water becomes the most important natural resources which also has a big impact on sanitation and controlling the spread of diseases. Although, more than 70% of all clean water usage goes to agriculture i.e. growing food versus sanitation needs worldwide.

How to Invest in Clean Water.

I recommend researching for yourself sustainable returns in the ‘clean water’ sector says James Dean. The return-on-investment among clean water utility stocks is excellent, outpacing most other investments. The dividends offered by clean water stocks also provide a steady income alternative. One of my favorite stocks in this secure invest class is American Water adds Mr. Dean. It’s delivered a healthy profit for years with solid growth performance. Clean water stocks are a favorite among pension fund managers that control much of the stock market prices. The clean water investment sector is a great place to park your money in unstable market conditions like we’re experiencing over the next 18-months.

clean water

America's drinking water

Wise Water Use

Click image to enlarge.

American Water is constantly looking to ensure water is available for future generations. Part of our commitment includes helping our customers understand what they can do to help. We communicate with our customers in a variety of ways, through information in customer bills, in our newsletters, and here on the American Water website.

Making water conservation part of your daily routine will save both water and money every day.

Here are a few easy tips you can follow:

Outside your home:

  • Water your lawn only when it needs it. An easy way to tell if your lawn needs water is to simply walk across the grass. If you leave footprints, it’s time to water.
  • Make the most of your watering by watering in the early morning. As much as 30 percent of water can be lost to evaporation by watering during midday.
  • Plan for fewer, deep-soaking waterings to encourage deep root growth and stronger turf.
  • Set your lawn mower one notch higher to make your lawn more drought-tolerant.
  • Use drip irrigation hoses to water plants, and water in the early morning or evening.
  • Consider using porous pavement (gravel is a good example) instead of asphalt for driveways and walkways, the rain will soak into the soil instead of running off and contributing to erosion.
  • Use a broom instead of a hose to clean your sidewalk, driveway, or patio.
  • Plant appropriately for your local climate. Check with local nurseries for non-invasive, drought-tolerant plants.
  • Check your water meter before and after a two-hour period when no water is being used. If the meter changes at all, you probably have a leak.

Inside your home:

  • Run dishwashers and clothes washers only when they are full. If you have a water-saver cycle, use it.
  • Adjust the water level of your clothes washer so it matches your load size.
  • Regularly check your toilet, faucets, and pipes for leaks. American Water offers leak detection kits, which are available by clicking herefor a downloadable .pdf version. If you find a leak, have it fixed as soon as possible.

Leak Detection Kit (pdf)

  • Consider water and energy-efficient appliances. The USEPA reports that EPA-certified Energy Star washing machines may use 35% less water per load. Water-saving shower heads, toilets and faucet aerators can also help cut your water usage.
  • Insulate exposed water pipes with pre-slit foam insulation. You’ll enjoy hot water faster and avoid wasting water while it heats up.
  • Keep a bottle of cold tap water in the refrigerator. You’ll avoid the cost and environmental impact of bottled water and you’ll have cold water available in the summer without running the faucet.
  • Turn off the tap while brushing your teeth or washing dishes in the sink.

At American Water, we are committed to conserving our most precious resource. With some small changes, you can be a part of this commitment while lowering your water bill.
Additional Resources:

White Papers

Challenges In The Water Industry: Meeting Demand In The West

Innovation Solutions Within The Water Industry: Desalination

Innovation Solutions Within The Water Industry: Going Green

Innovation Solutions Within The Water Industry: Water Reuse

$415 Billion Revenue Forecast Mobile Retail Ecommerce is a progressive mobile Internet e-commerce firm based in Nashville middle Tennessee. It’s founder, James Dean leads a team of mobile web social media experts focused on helping start-up and mid stream companies gain exposure and better market share.

US online retail spendingThe opportunities available using mobile social media e-commerce are expected to exceed revenues of $415 Billion in the United States. Our team is positioned well to compete in mobile apps programming, online video production and social media marketing says Mr. Dean @ 

Particularly, text message marketing is highly effective targeted geographically to grow customer loyalty among retail stores and local business organizations. Over 95% of consumers use a smart phone, tablet and/or laptop says Mr. Dean. The open rate of a text message campaign is about 85% versus email maybe 3% on-average. So the return-on-investment of SMS text message advertising is by far the most efficient.

addicted to mobile phone


$70 Billion Valuation PayPal Acquisition Google Alibaba Facebook

eBay is struggling to turn a robust sustainable profit but it’s golden child; PayPal has kept it afloat. Now eBay is ready to split-off PayPal as a separate company which makes the online payment solutions provider, a lucrative play for mobile Internet companies like Google, Facebook and Alibaba says James Dean @ 

For example, analysts estimate Google could pay as much as $64 billion to buy PayPal. Given Apple’s Pay app, the retail mobile wallet is catching fire with consumers now, so there’s an urgency for Google to enhance its merchant payment solutions.


“Now that PayPal will be a separate company, there’s absolutely a possibility of an acquisition,” Daniel Johnson, whose firm oversees about $10 billion and owns EBay stock, said in a phone interview from Louisville, Kentucky. “There’s a strategic benefit that PayPal would bring, whether it’s to Google or Alibaba.”

95% Click Rate Mobile SMS Text Message Geo-Target Customers

text_message_marketingUsing advanced SMS text message marketing campaigns really targets local consumers driving better sales comments James Dean @

As part of your business website contact form and opt-in mobile Internet marketing programs, always be sure to include a phrase that ‘consumer agrees to receive your updates via text message’ for all the latest business updates, news and discount sales.

Keep in mind, compared to the 1.8 Billion surfing the Internet at any moment, it pales in comparison to the 5.2 Billion MOBILE phone and tablet users that can be accessed 24/7. Mobile video is highly effective.

addicted to mobile reports that 65% of people sleep with their smart phone on and over 58% are ‘addicted’ to checking their mobile phone every hour. About 60% of consumers use smartphones daily to go online for shopping, get news and chat in social media networks like Facebook, Twitter, Google +, Instagram and Pinterest says Mr. Dean @

Developing your SMS text social networking solution is a great way to build customer loyalty. Customers LOVE IT because they get real-time updates, many times their in the local neighborhood … so text message advertising a highly effective geo-location based retail sales option adds Mr. Dean.

sleep with cell phone on


Join the 32 Million People Controlling $99 Trillion, 42% of Total Global Wealth

Discussing wealth can be a touchy subject for many, particularly those trying to hang-on to it. Today, about 32 million people own more than one million dollars in net worth. But that’s just .7% of the human population on Earth. Yet, they control $99 Trillion USD, almost 42% of total global wealth.

How to Become the Best in Life, Business and Make Money (2)I’ve spent the majority of my life helping to build start-up businesses, a challenge that requires crazy work hours of blood, sweat and tears from my office in Nashville middle Tennessee says James Dean @ 

Often people ask me, how they can become a MILLIONAIRE … so I tell them my experience. Stay grounded even during the height of success. It’s a simple way to achieve your dreams. Recognize unique talent and always stay true to your life passions. Be sure to share your success with others … it’s self-perpetuating.

Always, seek continuous improvement and better education to succeed. Appreciate small details in life, reward yourself but stay unattached to material items. Keep it simple, low-maintenance lifestyles allow greater daily enjoyment says Mr. Dean. Don’t hide from yourself, or be embarrassed about your flaws, be authentic.

I recall a several meetings with HARPO PRODUCTION’S stable of CELEBS … emphasising the value of leveraging personal flaws. The unique approach paid-off delivering record TV audience ratings. 

The reality is our daily lives are filled with ups and downs, consider it all valuable learning experiences. If your open, people and business prospects CONNECT better with your common experiences. In the social media age of digital technology, there is no HIDING anymore. 

“For aspiring entrepreneurs and profit seekers, here’s my advice based on 25-years of business success. Ultimately, the sum of the impact your actions and business has on other people and families will be far greater than any financial rewards. The smartest path to true success in any pursuit is through creating the best value i.e. service, product, skill, art; in the world. It’s a core element most of America is missing today. To become a market leader, the best of the best … like Michael Jordan or Bill Gates, remember they never set out initially to make lots of money. They did it for the ‘love of the game’. To be the best in the world at whatever you do in work and play is how America can regain its MOJO versus fierce global competition. If you accomplish the goal of being the best by creating bleeding-edge innovation that adds value to people’s lives … all the money and financial rewards will come to you naturally says Entrepreneur / Mobile Web Engineer, James Dean @”

Another important competitive tool to remember, build a work environment that produces creative ideas; ‘Think-OutSide-the-Box’ and associate with positive people. As an entrepreneur time is valuable and there aren’t enough hours in each day, so don’t waste a moment. That’s some genius advice my buddy Guy Kawasaki, chief evangelist at Canva and former evangelist at Apple told me in conversations over the years.

Infographics World Competitiveness Metrics 2014 (CLICK IMAGES BELOW)
Global Top 10
Europe Top 10
Asia-Pacific Top 10
Higher Education & Training Top 10
Infrastructure Top 10
Innovation Top 10
Latin America Top 10
Middle East and North Africa Top 10
Sub-Saharan Africa Top 10
USA – China

Rank Name Net Worth Change Age Source Country of Citizenship
#1 Carlos Slim Helu & family $85.9 B $53.7 M | -0.1% 74 telecom Mexico
#2 Bill Gates $81.6 B $200.8 M | 0.2% 58 Microsoft United States
#3 Warren Buffett $69.3 B $992.2 M | 1.4% 84 Berkshire Hathaway United States
#4 Amancio Ortega $62.6 B $147.8 M | -0.2% 78 retail Spain
#5 Larry Ellison $51.3 B $460.5 M | 0.9% 70 Oracle United States
#6 Charles Koch $43.1 B $0 78 diversified United States
#6 David Koch $43.1 B $0 74 diversified United States
#8 Christy Walton & family $38.3 B $8.1 M 59 Wal-Mart United States
#9 Jim Walton $36.5 B $8.2 M 66 Wal-Mart United States
#10 Liliane Bettencourt & family $36.5 B $314.5 M | 0.9% 91 L’Oreal France
#11 Alice Walton $35.1 B $8.2 M 64 Wal-Mart United States
#12 S. Robson Walton $35.1 B $4 M 70 Wal-Mart United States
#13 Michael Bloomberg $34.8 B $0 72 Bloomberg LP United States
#14 Mark Zuckerberg $33.9 B $243 M | 0.7% 30 Facebook United States
#15 Stefan Persson $33.7 B $314.9 M | 0.9% 66 H&M Sweden

#16 Li Ka-shing $33.5 B $259.8 M | -0.8% 86 diversified Hong Kong
#17 Sheldon Adelson $32.4 B $461.9 M | 1.4% 81 casinos United States
#18 Larry Page $32.2 B $196.9 M | 0.6% 41 Google United States
#19 Bernard Arnault & family $31.8 B $223 M | -0.7% 65 LVMH France
#20 Sergey Brin $31.7 B $192.8 M | 0.6% 41 Google United States
#21 Jeff Bezos $30.1 B $84 M | 0.3% 50 United States
#22 Carl Icahn $26.3 B $201.5 M | 0.8% 78 investments United States
#23 Michele Ferrero & family $26.2 B $0 89 chocolates Italy
#24 David Thomson & family $24.1 B $85.9 M | 0.4% 57 media Canada
#25 George Soros $24 B $0 84 hedge funds United States
#26 Aliko Dangote $23.9 B $1 K 57 cement, sugar, flour Nigeria
#27 Lee Shau Kee $23.2 B $254.4 M | -1.1% 86 diversified Hong Kong
#28 Jorge Paulo Lemann $23.1 B $237.1 M | 1% 75 beer Brazil
#29 Mukesh Ambani $23.1 B $142.2 M | 0.6% 57 petrochemicals, oil & gas India
#30 Forrest Mars Jr $22.6 B $0 83 candy United States

#30 Jacqueline Mars $22.6 B $0 74 candy United States
#32 John Mars $22.6 B $0 78 candy United States
#33 Steve Ballmer $22.4 B $53.3 M | 0.2% 58 Microsoft United States
#34 Prince Alwaleed Bin Talal Alsaud $22 B $149.9 M | 0.7% 59 investments Saudi Arabia
#35 Len Blavatnik $21.7 B $204.3 M | 0.9% 57 diversified United States
#36 Phil Knight $19.9 B $78.2 M | 0.4% 76 Nike United States
#37 Masayoshi Son $19.5 B $357 M | 1.8% 57 internet, telecom Japan
#38 Dieter Schwarz $19.3 B $0 74 retail Germany
#39 Alisher Usmanov $18.9 B $41 M | -0.2% 61 steel & mining, telecom, investments Russia
#40 Leonardo Del Vecchio $18.9 B $80.7 M | -0.4% 79 eyeglasses Italy
#41 Dilip Shanghvi $18 B $330 M | 1.8% 58 pharmaceuticals India
#42 Harold Hamm $18 B $1.5 B | -8.1% 68 oil & gas United States
#43 Theo Albrecht Jr & family $17.9 B $212 K 63 Aldi, Trader Joe’s Germany
#44 Michael Dell $17.7 B $0 49 Dell United States
#45 Michael Otto & family $17.6 B $2.9 M 71 retail, real estate Germany

#46 Charles Ergen $17.2 B $255.9 M | -1.5% 61 Dish Network United States
#47 Mikhail Fridman $17.1 B $73.3 M | -0.4% 50 oil, banking, telecom Russia
#48 Paul Allen $17.1 B $9.7 M | 0.1% 61 Microsoft, investments United States
#49 Gina Rinehart $17 B $0 60 mining Australia
#50 Susanne Klatten $17 B $31.8 M | 0.2% 52 BMW, pharmaceuticals Germany
#51 Tadashi Yanai & family $16.9 B $851.6 M | 5% 65 retail Japan
#52 Viktor Vekselberg $16.7 B $113.5 M | 0.7% 57 metals, energy Russia
#53 Laurene Powell Jobs & family $16.7 B $9.5 M | 0.1% 50 Apple, Disney United States
#54 Azim Premji $16.6 B $434.6 M | 2.6% 69 software India
#55 Luis Carlos Sarmiento $16.6 B $0 81 banking Colombia
#56 Robin Li $16.6 B $678.6 M | 4.1% 45 internet search China
#57 Wang Jianlin $16.5 B $7.6 M 59 real estate China
#58 Pallonji Mistry $16.3 B $562.8 M | 3.5% 85 construction Ireland
#59 Lakshmi Mittal $16.3 B $51.6 M | 0.3% 64 steel India
#60 Anne Cox Chambers $16.2 B $0 94 media United States

#61 Joseph Safra $15.9 B $2.9 M 75 banking Brazil
#62 Lui Che Woo $15.7 B $556.6 M | 3.5% 84 casinos Hong Kong
#63 German Larrea Mota Velasco & family $15.7 B $140.2 M | -0.9% 60 mining Mexico
#64 Ma Huateng $15.5 B $147 M | 0.9% 42 internet media China
#65 Francois Pinault & family $15.5 B $42.4 M | -0.3% 78 retail France
#66 Serge Dassault & family $15.4 B $22.6 M | 0.1% 89 aviation France
#67 Donald Bren $15.3 B $0 82 real estate United States
#68 Ray Dalio $15.2 B $0 65 hedge funds United States
#69 Stefan Quandt $15.2 B $37.1 M | 0.2% 48 BMW Germany
#70 Vladimir Lisin $15 B $113.3 M | -0.8% 58 steel, transport Russia
#71 Thomas & Raymond Kwok & family $14.9 B $20.3 M | 0.1% – real estate Hong Kong
#72 Vladimir Potanin $14.7 B $118.5 M | -0.8% 53 metals Russia
#73 Ronald Perelman $14.5 B $4.9 M 71 leveraged buyouts United States
#74 Leonid Mikhelson $14.5 B $101.6 M | -0.7% 59 gas, chemicals Russia
#75 John Fredriksen $14.3 B $74.2 M | -0.5% 69 shipping Cyprus

#76 Rupert Murdoch & family $14.1 B $102.3 M | 0.7% 83 media United States
#77 Gennady Timchenko $14.1 B $96.1 M | -0.7% 61 oil & gas Russia
#78 Mohammed Al Amoudi $14.1 B $12.8 M | 0.1% 68 oil, diversified Saudi Arabia
#79 Georg Schaeffler $14.1 B $397.2 M | 2.8% 49 ball bearings Germany
#80 Jack Taylor & family $13.9 B $0 92 Enterprise Rent-A-Car United States
#81 Cheng Yu-tung $13.9 B $296.2 M | -2.1% 89 diversified Hong Kong
#82 Alejandro Santo Domingo Davila & family $13.9 B $38.5 M | -0.3% 37 beer Colombia
#83 John Paulson $13.7 B $0 58 hedge funds United States
#84 Iris Fontbona & family $13.4 B $26.1 M | 0.2% 71 mining Chile
#85 Charoen Sirivadhanabhakdi $13.4 B $45.6 M | 0.3% 70 beverages Thailand
#86 Dhanin Chearavanont & family $13.3 B $64.1 M | -0.5% 75 food Thailand
#87 Vagit Alekperov $13.2 B $284.3 M | -2.1% 64 Lukoil Russia
#88 Hinduja Brothers $13.2 B $46.6 M | 0.4% – diversified United Kingdom
#89 Johanna Quandt $13.1 B $33.9 M | 0.3% 88 BMW Germany
#90 Henry Sy & family $13.1 B $182.6 M | 1.4% 89 diversified Philippines

#91 Shiv Nadar $12.8 B $333.1 M | 2.6% 69 information technology India
#92 Rinat Akhmetov $12.7 B $0 47 steel, coal Ukraine
#93 Abigail Johnson $12.6 B $0 52 money management United States
#94 James Simons $12.5 B $0 76 hedge funds United States
#95 Gerald Cavendish Grosvenor & family $12.4 B $0 62 real estate United Kingdom
#96 Robert & Philip Ng $12.4 B $28 M | -0.2% – real estate Singapore
#97 Lee Kun-Hee $12.3 B $115.2 M | -0.9% 72 electronics/insurance South Korea
#98 Zong Qinghou $12.2 B $0 68 beverages China
#99 Andrew Beal $12.1 B $0 61 banks, real estate United States
#100 Patrick Soon-Shiong $12.1 B $7.3 M | 0.1% 62 pharmaceuticals United States
#101 Hans Rausing $12 B $0 88 packaging Sweden
#102 Marcel Herrmann Telles $11.9 B $93.6 M | 0.8% 64 beer Brazil
#103 Alberto Bailleres Gonzalez & family $11.9 B $62.5 M | 0.5% 83 mining Mexico
#104 Charlene de Carvalho-Heineken $11.8 B $103.1 M | -0.9% 60 Heineken Netherlands
#105 Hansjoerg Wyss $11.6 B $89.3 M | 0.8% 79 medical devices Switzerland

#106 Ernesto Bertarelli & family $11.6 B $5.7 M 48 biotech, investments Switzerland
#107 Robert Kuok $11.3 B $170.1 M | 1.5% 90 diversified Malaysia
#108 Alexey Mordashov $11.3 B $109.7 M | 1% 48 steel, investments Russia
#109 Ananda Krishnan $11.2 B $1.7 M 76 telecom Malaysia
#110 Jack Ma $11 B $0 50 e-commerce China
#111 Philip Anschutz $11 B $6.6 M | 0.1% 74 investments United States
#112 German Khan $11 B $46.7 M | -0.4% 52 oil, banking, telecom Russia
#113 David & Simon Reuben $10.9 B $0 71 investments, real estate United Kingdom
#114 Carrie Perrodo & family $10.9 B $0 63 Inherited France
#115 Stephen Schwarzman $10.8 B $97.4 M | 0.9% 67 investments United States
#116 Richard Kinder $10.8 B $31.6 M | -0.3% 69 pipelines United States
#117 Sergei Galitsky $10.8 B $101.8 M | -0.9% 47 retail Russia
#118 Petr Kellner $10.7 B $26.8 M | 0.3% 50 banking, insurance Czech Republic
#119 George Kaiser $10.6 B $28.7 M | 0.3% 72 oil & gas, banking United States
#120 Mikhail Prokhorov $10.6 B $240.6 M | 2.3% 49 investments Russia

#121 Carlos Alberto Sicupira $10.4 B $67.9 M | 0.7% 66 beer Brazil
#122 Kjeld Kirk Kristiansen $10.3 B $70.8 M | 0.7% 66 Lego Denmark
#123 Steve Cohen $10.3 B $0 58 hedge funds United States
#124 Klaus-Michael Kuehne $10.1 B $102.7 M | -1% 77 shipping Germany
#125 Stefano Pessina $10.1 B $63.8 M | -0.6% 73 drugstores Italy

$5.5 Billion Senior Assisted Living Industry, Mobile Health Apps

senior americansSenior care is not usually a hot topic during Sunday football games and jaunts hiking outdoors at Centennial Park Lake with my buddies in Nashville Tennessee. But the issue of caring for my aging parents has been weighing on my mind lately says James Dean @

So I dug a little deeper, to get the full scope of health care costs that will be coming just around the bend in the years ahead. In America, long-term care for elderly is a $257 Billion annual cost challenge. Overall, about 30% of U.S. health care expenses go to unnecessary medical services, that’s $800 Billion per year reports Mr. Dean.

What’s it gonna cost me then to care for my elderly parents in assisted living? I found on-average $2,250 to $3,200 per month paid out of pocket is what it would cost to put an elderly parent into a decent assisted living facility. That’s an extra $30,000 expense annually. So my question is; where’s the average ‘JOE’ working class stiff gonna find an extra $30,000 income per year?  Any suggestions feel free to leave comments.

screencapture-www-castlighthealth-com-price-variation-mapDuring my research even more startling was the fact almost 45% of the total costs associated with senior care will be paid by the family and not covered by health insurance.

It’s a hidden expense that most families do not plan for so when they get to the point where the aging parent can no-longer live alone, it becomes an emotional roller coaster ride that ends-up being VERY EXPENSIVE.

Poor financial decisions are often made at the last moment because of the timely senior crisis weighing heavily on the family. Many families deal with putting their parents into assisted living by gaining equity through selling the home, once lived in by their elderly parent.

In the United States, each day over 10,000 Baby Boomers are retiring with about 75 million total due ‘retire’ by 2016. I found that close too 38% of all seniors in America within the next fifteen years will need to transferred to assisted living says Mr. Dean.

Seniors have specialized needs such as health monitoring, exercise requirements and medication schedules that our tech geeks at have begun to explore developing several mobile apps.

A Pew research study found that between 60% to 80% of elderly go online daily. But they tend to use a desktop PC rather than smartphone or tablet. But we’re working on a ‘Smart Appliance’ that’s SENIOR FRIENDLY which could serve dual purpose of health check / wellness resource and social media e-commerce app for retail shopping, travel, entertainment and banking.


PI_14.04.01_seniorsTech-copyHere are examples of the phrases used for assisted living :

  • Residential care
  • Personal care
  • Adult congregate living care
  • Board and care
  • Adult living facilitiesSupported care
  • Enhanced care
  • Adult homes
  • Sheltered housing
  • Retirement residences
  • Adult foster care
  • Community based retirement facilities

For real estate investors, the population shift of seniors moving out of single residential homes into assisted living presents an opportunity to buy aging homes often needing repair than update the property and flip it for a nice profit (generally 20% to 30% gain).

During my research, I spoke with Dan Silverman at Nashville Home Solutions. He mentioned several instances where family members have come to him about getting CASH for HOMES because the senior (parent) had to be transferred to assisted living. Learn more about financial options to paying for assisted living … 

senior housing supply

Diet is another concentrated market opportunity that really popped out while exploring the senior cost crisis in America. For example, diabetes affects almost 30 million Americans. At a cost of over $245 Billion (direct/indirect costs, 2014 CDC). More often diabetes leads to multiple health and medical complications that ultimately require assisted living.

The take-away question here … we all need to be asking ourselves … ‘Are we prepared for the cost and emotional challenge of caring for our aging parents’. Planning ahead and budgeting properly for the inevitable time that’s coming is always a SMART approach. 

Five benefits of assisted living facilities

Family members or caregivers need to move slowly and with compassion when they try to convince an elder to move from the family home. However, once the adjustment is made, many elders are thrilled with the change. Why? Here are five reasons.

Safety. Assisted living centers are set up to provide a safe, comfortable environment for elders. Many, though not all, have secure entrances. Nearly all are monitored enough so that elders aren’t vulnerable to attack or burglary as they may be if they stay alone in their home. Just the fact that there are other people around makes communal living safer than being alone in a house. Also, most assisted living centers have alerting systems so if residents have emergencies in their own apartments or rooms, they can summon help.

Meals / Medical. Appetites can diminish as we age, plus many people don’t enjoy eating alone. Elders home alone often warm up something in the microwave or on the stove rather than preparing a nourishing meal. They then may eat in front of the TV for company. In assisted living, meals and some medical care are provided and they often offer many choices of food. But the biggest plus may be that people have company for their meals.

Many centers offer kitchenettes, so people have the option of preparing some meals in their apartments if they choose, which some do, especially breakfast. However, the pull of communal dining is pretty strong once they get used to company. When people have company for a meal, they generally eat better, so these communal meals can help keep a senior healthy. Also, many assisted living centers keep an eye on how well the elders eat to see if supplements seem to be necessary.

Transportation. Most assisted living centers provide group transportation for shopping and to community events. Also, they can generally arrange transportation for seniors who need to get to clinic appointments. Each center is different, but the ability to go where they want is important to elders, and many seniors can no longer drive, or choose not to drive in heavy traffic. Assisted living centers can be a big help getting people where they want to go.

Less worry. Even renters have to actively contact a landlord if there are plumbing or other problems in their apartment, and often they must follow up on repairs. For homeowners, it’s worse. Seniors can be taken advantage of by unscrupulous contractors and repair people. They tend to be trusting and this makes them vulnerable. In assisted living, they don’t have to worry about repair responsibilities. If something doesn’t work properly, they or a loved one can alert the administration and the problem should be fixed. There’s no worry about the senior letting in a stranger to fix their bathroom pipe or getting bilked on the bill.

Socialization. Socialization is perhaps the most important reason why many people who insist that they will hate assisted living end up thriving. Many elders have slowly gotten so they don’t want to go out of their home because it’s too difficult to get where they want to go. Significant lifelong friends have health problems or have died.

When not actively used, social skills can decline, causing anxiety when elders do go out among people. Depression can set in, furthering their reluctance to be socially active. Elders without social exposure can become virtual hermits, except for those who have family visits. While family visits are fun, seniors needs peers, as well. In assisted living, even those who swore they’d hate it often find, once they adjust, that they again enjoy the company of peers. They play cards, listen to music, exercise, have snacks, go to community events and have people come in to entertain them.

List of Health Services Typically Offered at Elderly Care Facilities

General Services

  • Meal Preparation
  • Exercise and Wellness Activities
  • 24-Hour Staffing
  • Social and Recreational Activities
  • Housekeeping
  • Scheduled Outings/Trips (Doctor’s Appointments, Shopping, Worship)

Personal Services

  • Eating, Bathing and Toileting Assistance
  • Personal Hygiene and Grooming
  • Dressing Assistance
  • Mobility and Transferring
  • Personal Laundry
  • Transportation Services

Health-Related Services

  • Medication Management
  • Physical Therapy
  • Oxygen Assistance
  • Pharmaceutical Service
  • Speech Therapy
  • Occupational Therapy
  • Radiation Therapy
  • 24-Hour Nurse Assistance
  • Monthly Wellness Check-up