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4 4 • Our Time • 2016
The real cost of aging by Jeff Anderson
It’s said that it costs about one million dollars to raise a child, but how much does it cost to age? No two seniors will face exactly the same challenges in aging, but by looking at approximations of the main expenses after 65, we can estimate how much it truly costs to grow old in America. Out-of-Pocket Medical Expenses While every American who turns 65 qualifies for the government health insurance program Medicare, seniors can still accumulate significant healthcare costs during their retirement. Copays, prescriptions, hearing aids and other out of expense pockets can add up dramatically. In May, Fidelity Benefits Consulting estimated the average medical expenses for a 65 year-old couple to be $220,000 for the remainder of their retirement. This figure has actually gone down 8% since last year due to changes to Medicare instituted as part of the Affordable Care Act. Brad Kimler of
Fidelity noted, “It is extremely important that health care costs are factored into retirement savings strategies today so that retirees can be prepared to pay their medical bills throughout retirement.” Average lifetime costs after 65: $110,000 per individual / $220,000 per couple Long-term Care Costs A study published in the journal Inquiry found that the average American senior will require about three years of long-term care during his or her retirement. According toGenworth, the median annual cost for the base rent at an assisted living community is about $41,000 per year. The average annual cost for skilled nursing is about $71,000 per year. Because much long-term care is provided by unpaid family caregivers or is covered by Medicaid, the average senior’s lifetime out-of-pocket long-term care expenses are about $50,000 . But we do not advise that you based your assumptions on this amount. Chronic illnesses and age related diseases such
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as Alzheimer’s disease can $20,194 per year (or $50,485 of money required to cover easily require a senior (or the for the average household). their cost of living. senior’s loved ones) to spend This includes costs such as Average lifetime costs after significantly more than this food, housing and transporta- 65: $282,000 per individual / during their lifetime on care. tion. The average lifespan in $565,000 per couple If you are trying to analyze the United States is 79 years. Overall Average Retirement potential care costs that your This means a 65 year-old Expenses family may be facing, try A couple would require about The sum of these three Place for Mom’s Cost of Care $565,000 to cover their basic broad categories of retirement Calculator. It allows you to living expenses during retire- expenses allows us to gauge compare the cost of assisted ment. the overall cost of life after living in your city to the costs Unlike health-costs and 65, which is $412,000 for an of maintaining a home and long-term care costs, living individual, or $824,000 for also to the costs of employing expenses have an element of a couple. But don’t take this a full-time home care aide. predictability to them. Rather number as gospel. The real Average lifetime costs afthan relying on nationwide costs of aging are wildly unter 65: $50,000 per individual average, retirees can estimate / $100,000 per couple (based their own expenses based on on figures from Inquiry study their circumstances to get a adjusted for inflation) Continued on Page 6 closer picture of the amount Living Expenses While in retirement Your hometown Tire Store our income • Tires • Tubes • Retreading • Repair • Farm • Off Highway Service may drop dra2108 11th St. • (503) 842-4852 matically, our After Hours Call: (503) 842-4253 or (503) 842-8381 expenses do Locally owned and operated not. AccordH80112 ing the Bureau of Labor Statistics, the average cost of living for an Produced by: American is
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It’s time to feel amazing! Dr. Mark Bowman presents; Introduction to Functional Medicine, A New Approach to Healthcare Functional Medicine is all about you! This holistic approach focuses on treating the whole person, not a diagnosis. Please join us in welcoming Dr. Mark Bowman of Tillamook Regional Medical Center who will discuss the benefits of a non-pharmacological approach to the treatment of disease, how lifestyle impacts wellness, and how the latest trends in healthcare are getting to the root cause of illness. This is a great
opportunity to learn how to achieve optimum health nurturing the mind, body and spirit! There is no cost to participate in this event. Light snacks will be provided. The event is slated for September 9, 2016 from 11:30 AM – 12:30 PM, in the Tillamook County Library, Hatfield Room. For more information, contact Stacie Zuercher at Northwest Senior and Disability Services at 503-815-2062.
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predictable and depend on a number of “Xfactors.” X-Factors: Inflation and Rising Healthcare Costs In a market economy, prices never stay stagnant for long. Retirement experts advise that seniors assume inflation will be at least 3% annually. At this rate of inflation, costs double every 24 years. Inflation represents the average increase in all costs over time, but health care costs are rising at a rate more rapid that inflation. While average healthcare costs
for retirees decreased in 2012, the trend is for increasing healthcare costs overall. According toInsurance Journal, average out-of-pocket healthcare costs increased about 6% in 2012 and 12% in 2013. What’s more, these figures are based on the largely unpredictable factor of lifespan. A longer lifespan means more costs. It’s not unreasonable to expect life-expectancy to increase with advances in medicine and technology, and as American society becomes more focused on healthy lifestyles. While the average life-expectancy of
79, most people hope to (and should plan to) live beyond 79. No Retiree is Exactly Average While these figures give us a good picture of what retirement may have in store for us, and the costs that a
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typical retiree faces, it’s important not to allow the word “average” or “median” to lull you into complacency. If the average 65 yearold couple’s health expenses are $220,000 during retirement, there is naturally a very
Popular sports for seniors Age doesn’t have to stop older men and women from enjoying their favorite sports. In fact, remaining active can improve physical and mental health. If a doctor has confirmed that it is okay to participate in sports, these activities can help men and women 50 and older enjoy friendly competition and physical activity. Fishing Fishing is more than just a leisurely day at the lake. Casting and reeling in your catch provides a good workout for the arms, legs and core muscles of the body. If you fish on the water, rowing out to your lucky spot provides additional cardiovascular exercise. Golf Golf is enjoyed by people of all ages. Requiring a combination of strategy and skill, golf also pays several physical
dividends. Play at your own pace, taking your time walking from hole to hole so you can enjoy the sunshine and soak in the beauty of the course. Swimming A few laps around a pool works your whole body. Swimming is attractive to seniors because it works the muscles and provides a cardiovascular jolt without putting any strain on the joints. Cycling Many seniors are avid cyclists. You can ride a bicycle in competition or for pleasure. You can even vary your route depending on how physically intense you want the ride to be. Seniors need not abandon their love of sport just because Father Time is catching up with them. Many sports can be enjoyed by athletes of all ages.
good chance that such a couple would have more than $220,000 in expenses. Don’t assume that your expenses will be merely average. Plan for the unexpected and use averages and medians to reckon the minimum amount of preparation and saving that’s required to retire prudently. If you are undertaking a project to estimate how much you or a loved one may need for retirement, you can base your estimates on your particular circumstances for a forecast that’s more accurate. Basing estimates of retirement costs on your own cost
of living rather than the national average will obviously allow for more accurate estimates. You should also consider taking into account regional cost differences. For instance, a retirement in New England is obviously going to cost more than a retirement in the Desert Southwest. An excellent tool to help with a personalized estimate of retirement costs is the AARP Retirement Calculator, but you don’t have to do it yourself: If you are unsure about your retirement plans, consider speaking with a financial advisor who has an expertise in retirement planning.
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The 2016 theme, “Keep Connected,” recognizes the increasing opportunity technology can offer to enhance the care and overall experience in assisted living communities “Keep Connected” encourages assisted living communities to support opportunities for residents to use the latest communication tools to engage with the world around them. Furthermore, “Keep Connected” acknowledges the myriad ways assisted living staff and supporting business partners are revolutionizing the care provided in these communities through innovations in technology. However, “Keep Connected” is about more than technology. Assisted living reminds us that sometimes the best relationships are formed faceto-face. For many staff members, residents become family,
and this bond can never be broken. Meanwhile, assisted living communities are an integral part of the larger community. Staff cultivate connections with local families, business owners, government organizations, community organizers and others to ensure that residents remain an active part of where they call home. Kilchis House and Nehalem Bay House are “just like home” for residents and their families, helping seniors stay connected by providing comfortable social rooms, holiday gatherings, and much more. During Assisted Living Week, come by take a tour of the only non-profit, locally-owned and managed assisted living
facilities in Tillamook County. Established by the National Center for Assisted Living (NCAL) in 1995, National Assisted Living Week® provides a unique opportunity for residents, their loved ones, staff, volunteers, and the surrounding communities to recognize the role of assisted living in caring for America’s seniors and individuals with disabilities. The annual observance encourages assisted living communities around the country to offer a variety of events and activities to celebrate the individuals they serve, as well as to help educate members of the public about this distinctive aspect of long term care.
Successful ways to stretch retirement savings Many budding retirees plan to travel, relax and enjoy the company of their spouses when they officially stop working. But such plans only are possible if men and women take steps to secure their financial futures in retirement. According to a recent survey by the personal finance education site MoneyTips. com, roughly one-third of Baby Boomers have no retirement plan. The reason some may have no plan is they have misconceptions about how much money they will need in retirement. Successful retirees understand the steps to take and how to live on a budget. • Have a plan. Many people simply fail to plan for retirement. Even men and women who invest in an employer-sponsored retirement program, such as a 401(k), should not make that the only retirement planning they do. Speak with a financial advisor who can help you develop a plan that ensures you don’t
outlive your assets. • Set reasonable goals. Retirement nest eggs do not need to be enormous. Many retirees have a net worth of less than $1 million, and many people live comfortably on less than $100,000 annually. When planning for retirement, don’t be dissuaded because you won’t be buying a vineyard or villa in Europe. Set reasonable goals for your retirement and make sure you meet those goals. • Recognize there is no
magic wealth-building plan. Saving comes down to formulating a plan specific to your goals, resources, abilities, and skills. Make saving a priority and take advantage of employer-sponsored retirement programs if they are offered. • Don’t underestimate spending. You will need money in retirement, and it’s best that you don’t underestimate just how much you’re going to need. No one wants to be stuck at home during
retirement, when people typically want to enjoy themselves and the freedom that comes with retirement. Speak to a financial planner to develop a reasonable estimate of your living expenses when you plan to retire. • Pay down or avoid debt while you can. Retiring with debt is a big risk. Try to eliminate all of your debts before you retire and, once you have, focus your energy on growing your investments and/or saving money for retirement.
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Gardening is great therapy The weather is getting warmer and many of us are looking for more ways to spend time outside. Gardening is a great way to be active and out of the house, and a great opportunity to spend time with loved ones. Learn how to create a safe and meaningful garden with your loved one. Aside from creating a beautiful place to spend time
and enjoy the great outdoors, gardening has several mental and physical benefits. Research shows activities that engage the senses provides people with positive emotions that they may no longer experience regularly. Using principles from the Montessori Method, gardening engages all of the senses, and can help you rediscover your world. Widespread Benefits to
Gardening Gardening may help you recall those pleasant long-term memories and bring you back to a healthier time. Other benefits to gardening include: 1. Great exercise for the mind and body. 2. Creating a sense of purpose for a loved one.
3. Boosting energy levels and promoting a good night’s sleep. 4. Creating a sense of community of gardening with others. 5. Allowing loved ones to experience success, ultimately building confidence. 6. Helping to maintain an existing skill set. Gardening Tips For Care-
givers While gardening may seem like a basic activity, there are a few things you can do to ensure the activity is a pleasant experience for everyone. 1. Create a garden in the shape of a figure eight, as dead end gardens can cause confusion. 2. Ensure all plants are nontoxic.
3. Build raised beds so that gardening is more accessible and enjoyable. 4. Garden early in the morning to avoid the hottest times of the day. 5. Provide adequate sunscreen and a hat to protect your loved one from the sun. 6. Keep it light hearted and fun!
Important questions to ask aging loved ones is $3,074 per month, according to an analysis of the pricing of communities in A Place for Mom’s network. 4. Have You Made Sure That These Documents Are Current? All of the documents we’ve mentioned need to be up-to-date and current for them to work properly. Encourage your parent to revisit estate planning and care planning measures each year. 5. Where Can I Find These Documents If I Ever Need Them? Make sure you know where they are and how to get to them. For example, if they’re in a safe deposit box, see to it that a trusted family member has a key and permission to access the box. If they’re in a fire-safe, someone besides the parent should have the combination. 6. Is Someone Advising You on Financial Matters? Older parents are often fiercely independent regarding their finances, which is understandable. This knowledge will allow you to reach the adviser in case of an emergency, and also allows you to make sure your parent is working with someone who is reputable. 7. Do You Visit the Doctor Regularly? This question can help prompt a meaningful discussion about your parent’s general health
and well-being. Ask your parent to provide you a list of physicians seen regularly, and how to contact them. 8. If You Require Assistance, Have You Thought About Where You’d Prefer Living? Start the discussion about long-term care options before crisis hits. Get your loved ones involved early, and look at options before the need arises. This gives your loved one an op-
portunity to provide input about preferences and to get involved in the process rather than having to passively accept arrangements hastily made at the last minute by well-meaning but uninformed family members. Nehalem Bay House and Kilchis House can assist with evaluating the options, provide resources and more information about the process.
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Are you prepared to handle difficult decisions on behalf of your aging parents or loved ones? Do you know what legal planning you should have in place? You can’t predict when something might happen to loved ones, so planning and preparation will help in making legal and medical decisions for your loved one. Here are some questions to ask your senior loved ones to make sure your family is prepared for the unexpected. 1. Do You Have a Durable Power of Attorney? A durable power of attorney designates who will take care of your affairs if you are unable to decide for yourself in the case of mental or physical incapacitation. Seniors can designate one person to handle health decisions (the health care proxy) and another for financial decisions (the financial proxy) or they can designate one person for both roles. 2. Do You Have a Will or Living Trust? Wills and living trusts are the legal methods used to designate what happens to your possessions and money after you pass. 3. Do You Have Long-Term Care Insurance or a Plan if Long-Term Care is Required? The national average cost for assisted living
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Hobbies for the golden years
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Whether retirement is on the horizon or has already begun, more free time equates to an increased opportunity to fill your days with enjoyable activities. Individuals facing busy schedules are often forced to push hobbies to the sidelines, as more pressing things, such as a job, household responsibilities, and parenting tasks, are accomplished. Once retirement arrives, a newfound freedom in your schedule may occur, and there can be plenty of hours to devote to the hobbies and pastimes you find enjoyable. According to research, hobbies can have many benefits. They may serve as an emotional outlet or a way to relax. Hobbies can keep the mind and hands n ly active. They also allow for quiet time and mind wandering -- which can free up creative thinking. Hobbies can also u- serve as a means to connecting with e people and opening up new groups of friends. There are many hobbies you can consider, depending on physical health and abilities. These may be hobbies you once enjoyed in the past or new activities to expand your hori-
zons. And hobbies need not be crafty in the traditional sense, just about any activity -- even being a mentor -- can be a form of a hobby. Starting a hobby When deciding on a hobby, you can first take an inventory of your skills and interests. If you have always been handy around wood and construction, perhaps a woodworking hobby will be enjoyable and also may work as a source of income revenue. Other activities that require the use of the hands and mind include building model airplanes, knitting, needlepoint, painting, puzzles, quilting, scrapbooking, and crocheting. These can keep the mind active and improve dexterity and fine motor skills. Next, you may want to consider the costs surrounding a hobby. While something like taking photos may have relatively low costs, collectibles, exotic sports, sports cars, and travel could become expensive. It’s important to weight the costs against your finances to ensure that you will be financially comfortable while engaging in this particular hobby.
Explore what your friends are doing. If you want to get into a new hobby, ask neighbors and friends what they do to keep busy -- and try it out. You just may find that you’re naturally inclined to do this type of activity and enjoy it. Visit a hobby shop or craft store and browse through the aisles. See where your attention is drawn and give that activity a try. From building model trains to cultivating an herb garden, there are dozens of ideas to try. Other pastimes A hobby can take the form of volunteer work, teaching, mentoring, joining a martial arts class, taking classes at a college, and even caring for a pet. If you are the type who likes to interact with other people instead of engaging in a solitary hobby, consider one of these types of activities instead. Once a hobby is started, it is not set in stone. If you find you do not feel motivated to do this hobby, try something else. Remember, the days are now yours to fill, so maximize time spent with activities you can enjoy.
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These dog breeds are especially compatible with seniors Pets often make ideal companions. They are around when a person needs support, they can provide protection for those living alone, they’re always willing to lend an ear to problems, and many tend to offer unconditional love. Seniors facing an empty nest or the loss of a spouse may find pets can buoy their spirits. Studies have shown that seniors can benefit both mentally and physically from having a pet around. Pets can alleviate anxiety, depression and boredom. While pets can provide comfort and companionship, they remain a significant responsibility. Seniors should find an animal that will fit in with their lifestyles. This is an important consideration for those seniors who travel frequently or have mobility issues. In addition, men and women living in senior communities or assisted living facilities should determine if there are any pet restrictions in place. Those seniors who have decided that a dog will be the best fit can choose among several breeds that may be a good match for their needs. When selecting a dog, consider both size and temperament. Smaller dogs tend to be easier to handle and will need less mainte-
nance. They are easily carried and won’t take as long to bathe and groom. Smaller dogs also consume less food than larger breeds, reducing the expense of dog food and the hassle of wrangling large, heavy bags of chow. Temperament is also important, as some breeds tend to be more easygoing than others. Larger breeds may be preferable to a smaller breeds, which tend to be hyperactive. However, always remember there are pros and cons to each breed, and each dog will demonstrate his own personality traits. The following are some dogs that can be especially compatible with seniors. • Pug: Equally playful and willing to be a
lap dog, the pug requires little exercise and grooming. The breed is typically nonaggressive and submissive. Pugs are good-natured and playful; they don’t often bark and are easy to train. • Shih Tzu: The Shih Tzu lives for attention, but this breed can be dominant and difficult to train. The Shih Tzu will be alert to its surroundings and, despite its small stature, can be a good watchdog. • Pomeranian: Pomeranians look like big balls of fur and can bring a smile to an owner’s face. The breed tends to be perky, can display dominance and can be difficult to train. Because Pomeranians can be dog-aggressive, they
may be best as the only pet in the house. • Yorkshire Terrier: The Yorkie is a diminutive breed in size only, as they tend to have exuberant personalities that dwarf their stature. The ideal lap dog, Yorkies want to lie around and lounge, though some do like to bark. If the fur is kept short in a “puppy cut,” the dog can be easy to maintain. • Pembroke Welsh Corgi: This medium-sized dog hails from Wales and typically requires only moderate exercise and little grooming. They are easy to train and moderately dominant. They don’t bark excessively, and they often get along with other dogs. • Schnauzer: Available in three sizes, Schnauzers are good companions and protectors. This is an intelligent and loyal breed and will need to be kept amused to stave off boredom. • Brussels Griffon: These dogs do not shed, but they will require professional grooming at least once every 3 months. If socialized early, the Griffon can be a good companion but will likely remain wary of strangers. They are good watchdogs and devoted to their owners.
What’s next after retirement?
Scores of people spend their working days dreaming of the moment they are eligible for retirement. They may have retirement counted down to the minutes and seconds, particularly if they’ve been in a job that hasn’t been the most enjoyable. But many people find that once they retire they do not know what to do to fill their time. Boredom actually may be a side effect of retirement, and some people actually want to go back to work. Much of the focus when planning for retirement concerns finances. All other factors take a backseat. Therefore, there may be emotional issues that arise during retirement, and retirees are not always prepared to deal with such issues. Having a post-retirement plan in place can mean the difference between happiness and having a hard time adjusting, according to experts. Here are some tips that can help anyone ease into the golden years. • Establish goals. After working for years, the idea of setting goals can seem counterintuitive. But goals can give life direction and have you looking forward to things in the future. Goals also motivate
retirees to get up in the morning now that a commute to work isn’t part of the daily schedule. • Donate time or money. Giv-
ing back to others, whether to the community or to a charitable organization, can feel good and give retirees some structure. Volunteer-
ing your time at a place can give life some sort of purpose outside of a job. • Start a home-based business.
Just because you retire doesn’t mean you have to fully retire. Now may be the opportunity to start a business venture you have always dreamed about, whether that is something hands-on or just serving as a consultant. • Try new things. Part of goalsetting is to add things to the list you’ve never done before, which can boost feelings of excitement. You may discover a new interest that becomes a passion. Now that you have time to explore new hobbies, they might prove more rewarding. * Meet with people. Part of what makes work fulfilling is the opportunity to get out of the house and interact with others who are not members of your family. It’s easy to fall into a rut when you are not being mentally stimulated by conversation from different people. * Realize it’s alright not to love retirement. Just because the grass seemed greener in someone else’s yard, doesn’t mean it always turns out to be that way. It is OK to accept that maybe retirement isn’t entirely what you expected and to make changes that can enable the experience to be better.
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Don’t wait to make decisions about assisted living options In this world nothing can be said to be certain, except death and taxes. – Benjamin Franklin Throughout our lifetimes, we make plans for various stages of our lives – college, marriage, homes, families, but put very little thought or planning into the inevitable, end of life care. As Benjamin Franklin said, it is a certainty, but what’s not so certain is what that scenario looks like, and there are so many variables. Most folks want to “stay in their own homes” as long as possible, which sometimes means, past when it’s feasible to make a move to an assisted living community. That also means that many people end up caring for elderly parents at home, but when their needs have progressed to the point that she requires professional 24-hour care at assisted living.
Have you done any research over the past year and even chosen a senior community in your neighborhood that meets your budget? Then when you contact the community, you learn that they have a wait list. This is an aging community, which means that many of the assisted living communities, adult care homes and other facilities are generally full. At this time, both Nehalem Bay House and Kilchis House have “waiting lists.” It’s important for elderly residents to do research, explore the options and make some choices, before there’s a crisis and they are in need of immediate care. Planning ahead and getting on a wait list can give you more control over your options, in addition to saving you time and heartache. “We invite folks that are thinking about
being comfortable and well cared for in their last years to come for a tour,” said Debbie Meier, director at Kilchis House. “You don’t have to be ready to move in, but it’s a really good idea to be on our waiting list, so when the time comes when your loved ones is ready to move in, they are given priority.” There is limited availability of apartments in assisted living communities in our area. This means that there is a good chance that your preferred community is full; senior living communities are fully occupied or nearly full. Most senior communities require payment to be added to a wait list. Fortunately, most community wait list deposits are fully refundable at any time. The cost of the deposit can vary wait list deposits range from $250–$2,000
for independent living, assisted living and memory care. Nehalem Bay House and Kilchis House only require a $100.00 reservation fee to be added to a waiting list. Special notes are made regarding a future resident, ie. health condition, possible future move-in dates, etc. Then when an apartment becomes available, the waiting list is analyzed as to most immediate needs and staff contacts those on the waiting list. “We always try to be as accommodating as possible,” said Meier. “And we sometimes, hear that they aren’t quite ready yet. Then we make another call on down the list, and it’s the perfect time for another person to come home to Kilchis House.” If something happens and you want to cancel your reservation, the fee is 100 percent refundable. Make sure
to speak with a staff member at your preferred community if you have questions about their wait list policy. Families and the senior often want to be at home as long as physically, and mentally possible, but oftentimes it’s just not realistic, or the best thing for everyone. Assisted living at facilities like Nehalem Bay House and Kilchis House allow them to continue to be an active member of the Tillamook County community, with the peace of mind that there is a caring, professional well-qualified staff helping with every day needs. For more information about assisted living options right here in our community, please contact Nehalem Bay House at 503-368-6445 or Kilchis House at 503-842-2204 or go to www.nehalembayhouse.org or www. kilchishouse.org.
Bond between grandparents and grandkids benefits both
them, rather than taking what they have for granted. • Family history: Grandpar-
ents can tell grandchildren about family members, including youngsters’ own parents, and shed light on the generations that came before them. Looking through photos or watching old movies can provide the avenue by which to start conversations about family history and give children opportunities to ask questions. • Interests: Children may be excited about learning new skills or hobbies taught to them by their
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grow up to be more courteous and kind. Grandchildren also offer benefits to their grandparents. Companionship, new experiences and conversation can help keep grandparents’ minds sharp and bodies active well into their golden years.
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grandparents. Anything from gardening to woodworking can be shared. • Respect: Children who grow up respecting their grandparents may have an increased tendency to respect authority figures outside their homes, which may help kids
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offered by their elders. The following are some lessons grandparents can share with youngsters. • Empathy: By sharing stories of how things were when they were younger, when opportunities may have been more scarce, grandparents can help teach grandchildren empathy. Grandchildren may learn to be grateful for the things they have and the people around
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What used to be the “golden years” of life for seniors is now turning into any opportunity to spend even more time with their youngest family members. Nowadays, a growing number of grandparents are called on to provide child care for their grandkids, many of whom are growing up in two-income households. Others are helping to raise grandkids while providing financial assistance for adult children who may not be able to live on their own. Grandparents often cite helping their own children financially as well as staying in touch with grandchildren as motivating factors behind providing care. According to Generations United, staying in touch with grandkids can give seniors a feeling of self-worth and improve their overall health. When spending so much time together, grandparents may develop special relationships with their grandchildren, who may benefit from the knowledge and wisdom
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Pointers for adults returning to school Today’s seniors, particularly those who already have passed retirement age, may find themselves with many free hours to fill now that a job no longer accounts for most of their time. Returning to school may help seniors realize lifelong dreams of finishing a degree, exploring a hobby, getting educated to gain work in a new field, or just to fill some time in a productive way. Information from the United States Department of Education’s National Center for Education Statistics finds the demand for continuing education is still growing. For those aged 35 and older, the center says adult enrollment should grow by at least another 7 percent through 2016. It’s possible to return to school at any age. Adults looking at continuing education possibilities can heed these easy tips to make stepping into a classroom again
successful. • Get some help. Some time may have passed since you last toted textbooks or entered a classroom setting. Things have changed since you last were in school. Sit down with a guidance counselor or a career advisor and go over your schooling goals to plot out a degree map. This will help you determine which courses to take or what schools will best fit your needs. • Research schooling options. According to the National Survey of Students in Continuing Education, adult learners prefer postsecondary education that
is affordable and close to home. Recognize that many schools now offer online learning, which may be ideal for you if you prefer to learn from the comfort of home. Decide what is im-
How to avoid growing bored in retirement From the moment young men and women first walk into the office for their first day as a working professional until the day they officially retire, the notion of planning for retirement is never far from their minds. But when the day to hang up the briefcase and donate all those business suits arrives, some retirees wonder what to do next. Some retirees know exactly how they will spend their days when they no longer have to work, while others who decide to play it by ear may find themselves battling boredom. For those among the latter group, it’s important to understand that many retirees find themselves bored once they no longer have to focus on a career. Jobs keep men and women busy and provide a sense of purpose in their lives, so it’s understandable that retirees feel bored once those jobs are no longer a part of their lives. But just because you no longer have
an office to go to every day does not mean life cannot be as fulfilling or even more fulfilling than it was when you were still working. You just need to find something to avoid succumbing to retirement boredom. • Work part-time. Though it might seem odd to start working right after you retire, a parttime job can provide the type of structure you have grown accustomed to without all of the responsibility that comes with a full-time career. Part-time jobs can range from consultancy work that makes use of your professional experience to something entirely different like landscape maintenance at a nearby golf course that gets you out of the house and enjoying the warmer seasons. Whichever you choose, make sure it’s something you find fun and interesting. • Embrace a new hobby. Working professionals often say they wish they had time to pursue a hobby. Now that
you are retired, you have all the time in the world to do just that. Whether it’s perfecting your golf game, writing that novel, learning to cook like a gourmet chef or whatever else you might have always wanted to do, retirement is a great time to do it. • Get in shape. If retirement boredom has started to negatively affect your mood, one great way to conquer your boredom and improve your mood at the same time is to start exercising. Exercise is a natural mood enhancer. When the body exercises, it releases chemicals knowns as endorphins, which trigger positive feelings in the body. In addition, regular exercise has been shown to reduce stress, boost self-esteem and improve sleep. Working out at a gym also is a great way to meet fellow retirees in your community, and the energy you have after exercising may give you the boost you need to pursue other hobbies.
portant to you in a school, then narrow down your prospects. • Schedule a campus visit. Tour the campus to get a feel for the school environment. Visit with someone in
student services or attend an event for adult learners so you will know what the admissions process entails. • Get financial assistance. Scholarships, grants and other financial aid are not just for young students. You may be eligible for financial help. Speak with a financial aid advisor to determine your eligibility for programs. • Decide enrollment status. Do you want to go to school full time or part time or do you want to take classes here and there? Knowing in advance will help you develop the right schedule.
• Take a few refresher courses. Rather than delve into the tough stuff right away, enroll in a few basic classes to ease yourself back into the academic environment. Then next semester you can increase the difficulty level and workload. • Be prepared for homework and study. You may have grown accustomed to being only accountable to yourself as of late. Once in school you will have assignments and tests. Plan for study time and develop a schedule to allow for school commitments. • Take it slow. There’s no race to the finish line. Going back to school is your decision, and you can go at your own pace. Adult students return to the classroom for many reasons. Involve family in the decision to continue education and embrace the positive changes that are in store.
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Starting your second act: How to choose your next career The days when professionals would spend their entire professional lives with a single firm are largely a thing of the past. In fact, many people not only switch companies multiple times before retirement, but some even switch professions before retiring. As exciting as it can be to pursue a new career, men and women over 50 know that such a decision is not without risk. While younger professionals with few obligations can often handle bumps in the road on their way to a second career, older professionals making a similar move often must consider the potential effects such a pursuit might have on their families, finances and futures, including their retirements. But as difficult as it may seem to pursue a second career after your fiftieth birthday, there are steps men and women over 50 can take when pursuing a new career to ensure their second act is as successful as the first. • Decide what you want, and not just what you want to do. The desire to pursue a second career no doubt stems from more than just dissatisfaction with a current profession. Many people switch jobs or even careers because they find their current careers too demanding, leaving little time for family or hobbies that have nothing to do with work. If what you really want is more time at home or more time to pursue a particular hobby, then keep this in mind when looking for a second career, and make sure that career won’t demand too much of your time. For example, if your goal in finding a new career is to get more work-life balance, then starting your own business, which can require long hours at the outset and even after the business has established itself, might not be for you. But if what you want is a more challenging career and to be your own boss, then you will likely find the cost of achieving that goal, even if that cost is more demands on your time, is worth it. • Assess your skillset. Professionals over 50 have lots to offer, but it’s still important for such men and women to make an honest assessment of their skillset and find a career in which those skills are transferable. Some men and women might want to pursue a second career that will make little to no use of their skillset, and that’s perfectly alright. But extra schooling might be necessary in such situations, and going back to school oftentimes requires a considerable commitment of both time and money. For those who simply want to put their existing skills to
use in a different field or environment, assess those skills and look for lines of work in which they figure to be especially valuable. If there are any particular aspects of your current job that you want to avoid in the future, consider that when assessing your skills and choosing a second career. Even if they don’t know it, established professionals over 50 have many transferable skills, and such skills can be a considerable asset when pursuing a second career, especially when those skills have been assessed and can be applied to a new profession. • Make a trial run. Nowhere does it say that professionals can’t take a trial run at a second career while still fully engaged in their first career. In fact, testing the waters before you jump in is a good way to gauge your interest in a potential second career and how well your skillset applies to that field. A trial run, which can be conducted by volunteering with a nonprofit organization or through a part-time job or simply offering your services to a company free of charge in exchange for a chance to learn how the business operates, can shed light on the inner workings of a particular industry, showing you how things work behind the curtain. Testing the waters may reaffirm your belief that a certain line of work is for you, or it might send you back to the drawing board. Either way, it’s valuable experience that may reassure you that whatever decision you ultimately make is the right one. • Don’t go it alone. Switching careers after 50 carries some risk, but it’s certainly a risk that many before you have been willing to take. If you know any people, be it a friend, family member or former or even current colleague, who has reinvented themselves professionally, then speak with these people and ask for any advice they might have. If you know you want out of your current career but aren’t quite sure of what you want to do next, those who have faced a similar fork in the road may be able to help you narrow down your options. The notion of changing careers is exciting, and you can expect your personal and professional confidantes to share your excitement and be willing to help you in any way they can. Making a career change after 50 can be a risky yet ultimately rewarding move, especially for those men and women who take a thoughtful approach to finding their second careers.
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Tips for retirees traveling abroad Men and women often dream of jetsetting around the world when they retire. Traveling the globe without worrying about timelines or what’s going on back at the office is something many retirees reward themselves with after a life of hard work. As liberating as world travel can be, retirees still must exercise caution when traveling abroad. The following are a few safety tips for retirees who are ready to make their dream retirements a reality by setting off for parts unknown. • Stay in touch. Escapism is a big part of the attraction of travel for travelers young and old. But while you may want to avoid contact with the outside world on your travels, it’s still necessary to stay in touch with your loved ones. Retirees who plan to take extended trips overseas should purchase an international mobile phone plan that allows them to use their phones regardless of what country they happen to be in. A quick text message to a son or daughter back home is all it takes to let your family know you are safe and having the time of your life. Work out a communication plan with your loved ones back home before departing, agreeing to contact them via phone call, email or Skype at least once per week for the duration of your trip. This is a good way to share your experiences and help your relatives rest easy knowing that you are safe. • Don’t store all of your important documents in one place. When traveling overseas, it
can be convenient to keep important items like traveler’s cheques, credit cards, passports, and identification in one place. However, storing all of your sensitive documents or financial items in one place is very risky, as a lost or stolen bag can leave you without identification or access to your funds. When traveling, couples should carry their own passports on their persons and split up credit cards and traveler’s cheques. This way you still have access to your funds, and one of you still has identification should items be lost or stolen. • Do your homework. Unplanned day trips are common among travelers who have been traveling for long periods of time. While such jaunts can add an element of spontaneity to a trip, they also can be quite dangerous if travelers have not done their homework on a particular destination. You do not want to end up in a place where tourists are not welcome or frequent targets of criminals. In addition, you don’t want to visit a city or town and know nothing of its customs or etiquette. For example, locals may react negatively to visitors who have ignored accepted local standards for attire. You can still make spontaneous trips, but make sure you gather some background information, be it from the Internet, locals where you are currently staying or the hotel concierge, on a given locale and its customs before visiting. • Make sure your health will not be compro-
mised. Before traveling abroad, visit your physician and get a full physical. Refill any medications you might need during your trip, and speak with your physician about how to handle any medical emergencies while overseas. Carry your physician’s name and telephone number with you at all times, so local medical professionals can contact him or her should you experience a medical emergency. Once you have arrived at your destination, it’s important that you continue to prioritize your health. Make sure the water is safe to drink before taking a sip, and investigate local cuisine to ensure it won’t enflame any existing medical conditions you may have. The quality of medical care varies greatly across the globe, so you must prioritize your health whenever leaving the country and avoid anything that might put your health in jeopardy. • Travel with friends or family if possible. If you have friends or family who also are retirees with time on their hands, organize a group trip abroad. Groups are less likely to be targeted by
Beauty know no age Well into your golden years and feel like makeup is your enemy? Ready to pack up all of your cosmetics and put them away forever? Don’t! With the right application, makeup can benefit faces of all ages. If you are a mature woman and you’re not sure how to apply makeup anymore, relax. All you need to do is select soft, subtle colors from your makeup collection and apply it in ways that will play up your best features and detract from the effects of age, like lines and wrinkles. Here are some tips to help you. Got a daily skin care routine? No? Well, then, you need to find one. Moisturizer will do wonders for aging skin. To find the best skin care products for you, shop around and do your homework. The better condition your
skin is in, the better your makeup will look. You should start the process with a foundation with a lighter-textured base. This will help detract from lines and wrinkles. The foundation should be the same color as your skin and you should blend it around your jaw line. Next, you can concentrate on the flaws in your skin. For dark spots and blemishes, concealer is a must. Don’t go overboard with it, but do use it to conceal as many flaws in your skin as possible. To reduce the lines from the edge of your nose to the corner of your mouth, use a highlighter. To reduce a saggy neck, use a non-frosted powder in a shade darker than your skin tone. Aging eyes deserve special care. To fill in thinning eyebrows, use an eyebrow pencil
that matches your hair color. For eyeliner, gray or brown works better than stark black. If you have graying hair, you may want to use pink and gray eye shadow to soften it. According to some experts, frosted eye shadow will make you look younger, as long as you know how to apply it correctly. The lightest shade should go under the brow, a darker one closer to the lashes and the darkest on the crease. The three should be blended properly. According to others, matte eye shadow is better because it doesn’t show wrinkles like frosted does. Use earthy tones to create depth and apply the darkest shadow to the outside of the lids. Blush and lipstick are next. For the best result, use cream blushes in warm copper and gold tones and sweep it from the cheeks to the temples in an
arc. To keep your lipstick from bleeding and feathering, use blush to line your lips rather than lip liner. This will also allow your lipstick to remain longer. Use soft matte colors, like berry, coral, pink or peach, to make lips look fuller. Be careful with loose translucent powder. Use it sparingly. Apply it once in the morning and leave it at that. Don’t reapply it several times throughout the day; you will just accentuate any lines and wrinkles on your face. If touchups are needed, use a fluffy brush. These are just some practical tips for makeup application on aging skin. There are many others, and for further information, you should make an appointment with a makeup consultant. No doubt they will have further tips based on your skin type and condition.
criminals than couples, and overseas trips with friends or family members can make trips overseas that much more memorable and enjoyable. Overseas travel is a popular goal of men and women on the verge of retirement or those who have already called it a career. But safety must remain a priority when traveling abroad.
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