This may help you with bills and financial issues

Michael Ellenbogen

 https://silverbills.com/

Michael Ellenbogen

 SilverBills is a nationwide concierge bill management service. SilverBills receives, scrutinizes, stores and ensures payment of clients' household bills. If you are interested in participating in a research study to determine the importance of financial management on caregiver stress, (please reach out to me privately and provide me with your email address which I will share with someone at the Milken Institute). Note that participants in the study are provided with free access to the SilverBills' service.

Crushed

I was professor of Consumer Economics
teaching advertising law 

THIS IS ADVERTISING NO MATTER HOW YOU DRESS IT UP AS A STUDY

A legitimate study recruits participants in its own name There is a protocol an IRB etc all noted in the recruitment.   There are protections against conflicts of interest

 

 

Michael Ellenbogen

Sorry my friend but you are wrong.

Crushed

Where is the study announcement? 
 

Silver Bills just got a business development grant in this area.  it needs customers
  September 2021. SilverBills has been awarded a $1.9 Million Small Business Innovation Research (“SBIR”) grant from the National Institute on Aging of the National Institutes of Health (Award Number R44AG074126). The direct to Phase II SBIR award will fund the development of additional features of SilverBills that address legal and financial challenges faced by the caregivers of individuals with Alzheimer’s disease and Alzheimer’s related dementias. Funds will aid the further development of SilverBills technology and will create simplified financial management tools, tech-enabled communication options and a secure vault for documents.

  

Michael Ellenbogen

I was privileged to be at the meeting announcement the other day at the Milken Institute  and they are offering tis for free as they are getting a grant to do this.

Crushed

Michael Ellenbogen wrote:

I was privileged to be at the meeting announcement the other day at the Milken Institute  and they are offering tis for free as they are getting a grant to do this. 

None of that makes it a legitimate study and not advertising .  All kinds of companies give free samples and services to build business. Who is the grant from ?

 In a legitimate study the commercial firm does not get commercial access to the study participants.  Otherwise it pollutes the study

I  have been an ethics advisor on research studies and evaluated numerous studies in the context of promotion and tenure. 

N ow of course if its market research its different

Entrepreneur.com defines Market Research as “the process of gathering, analyzing and interpreting information about a market, about a product or service to be offered for sale in that market, and about the past, present and potential customers for the product or service; research into the characteristics, spending habits, location and needs of your business’s target market, the industry as a whole, and the particular competitors you face.”

 

 That is why you need the study design

 

Michael Ellenbogen

WWhile you may be right I do not know that as I have not done the dugeligance on this..

MMy biggest fear is you are chasing someone who really  needs this help. I think this was for 1 - 3 years as I don't remember  but that can not be bad for someone who really needs the help. And from reading things here  there  probably  many that do. I also don't know what area they cover but I will guess it's just  the US.

Iris L.

Crushed wrote:

 There is a protocol an IRB etc all noted in the recruitment.   

 

 

What is an IRB?  Is this significant for consumers to know about?

Iris L.

Crushed

Institutional Review Board (typical definition fro Oregon

What is the Institutional Review Board (IRB)?

The Institutional Review Board (IRB) is an administrative body established to protect the rights and welfare of human research subjects recruited to participate in research activities conducted under the auspices of the institution with which it is affiliated.

The IRB is charged with the responsibility of reviewing, prior to its initiation, all research (whether funded or not) involving human participants. The IRB is concerned with protecting the welfare, rights, and privacy of human subjects. The IRB has the authority to approve, disapprove, monitor, and require modifications in all research activities that fall within its jurisdiction as specified by both the federal regulations and institutional policy. The IRB shall have at least five members of varying backgrounds in order to provide complete and adequate review of human research and its institutional, legal, scientific, and social implications. The Board will also include at least one member who is not affiliated with the institution and one member who is not a scientist. The IRB has several consultants who advise the Board and are periodically involved in protocol review.

  

jfkoc

Possible that two different things are being discussed? One an existing company Silver bills which can be reviewed and two a program at the Miliken Institute.

Michael, if I am correct could you identify the "program" on  the Milken site?

Stuck in the middle

When DS was living independently in his late teens, he used a bill-paying service to pay his routine bills like rent and utilities.  He had mental impairments, and someone had to help with it.

I don't find bill paying stressful, unless I don't have enough money to pay them.  For me, a bill pay service would just be one more bill.

Crushed

Michael wrote:

If you are interested in participating in a research study to determine the importance of financial management on caregiver stress, (please reach out to me privately and provide me with your email address which I will share with someone at the Milken Institute). Note that participants in the study are provided with free access to the SilverBills' service.

SilverBills is a fairly recent  start up  That is who gets SBIRS.  So it is very difficult to understand the research design.  But you can't ethically study stress without an IRB protecting the participants. We need the study design

  

Iris L.

Stuck in the middle wrote:

I don't find bill paying stressful, unless I don't have enough money to pay them.  For me, a bill pay service would just be one more bill.

In the earlier years of my illness, I had the funds, but I could not wrap my head around bill-paying.  I misplaced invoices and even mis-wrote checks, making mistakes no normal adult would make.  I would have gladly paid a reliable, honest person or company to pay my bills for me.  These services are for those of us who need them, not for the general public.

Crushed, thank you for the info about IRB.  I never heard that abbreviation before.

Iris 

Michael Ellenbogen

Folks this was something introduced at the end of the meting for those who attended. I was kind enough to try to help folks here. I am tired of this going back and forth over stupidity so if you are not interested then don’t do a thing. What I shared with you was from the minutes of the meeting for us personally. Stupid me for trying to help you folks.

Crushed

Michael Ellenbogen wrote:

Folks this was something introduced at the end of the meting for those who attended. I was kind enough to try to help folks here. I am tired of this going back and forth over stupidity so if you are not interested then don’t do a thing. What I shared with you was from the minutes of the meeting for us personally. Stupid me for trying to help you folks.

I am trying to help  YOU  not get conned  by salesmen.  I was a full professor in both Consumer economics and Engineering.  I taught this area.  I've taught research methods  and  ethics .  I have examined research protocols and study design  in this area I was described in federal court as an "expert on expertise" I study how we know what we think we know in various areas.  Ive worked in engineering, science medicine and finance

all kinds of financial professionals are happy to manage your money for a fee.  They want clients

Michael Ellenbogen

Thanks for having my back but I had never planned to use it as my wife takes care of that and we do have a financial person looking out for us. And sadly I don’t trust either one but one must live with what they have.  

Michael Ellenbogen

I hope you are happy with my decision to no longer share things with people here. This was your doing. Since you are so smart you should be the person to add this information here so you can check it out before its added. I have great faith in the people I work with and because of that I trust what I have shared. It may not always be perfect but it is usually vetted by many smarter folks. The institute is one of the highest levels place in the world for setting policy around the world so I don’t feel the need to try to verify the information as they are much smarter than me. In fact they are coming out with a new report on the 10th but I will not share it so you folks and you need to look for it.  So the least you could do is do that to help those people here since I will no longer do it. I am more than happy to share it to you by direct email so you can post it.  

mommyandme (m&m)

Humble thyselves people.

Us “stupid” “folk” need all the help we can get.  It’s our own responsibilities to vet the help we choose to use.  Give us some credit. 

What a useless downturn this has taken. Jeesh, so sorry.  

Exactly what I needed today… not…something more to exacerbate my fears, anger, bewilderment etc… especially after my day yesterday.  I was researching caregiver suicide of all things. 

Don’t give up or give in!