Celebrating lives & Healing Hearts Celebrating lives & Healing Hearts
living
Debbie J. Thompson Debbie J. Thompson Owner/Funeral Director/CPC Owner/Funeral Director/CPC
AdvAnce PlAnning is A decision only you cAn MAke! AdvAnce PlAnning is A decision only you cAn MAke! Pre-Planning and/or Pre-Funding Can reduCe a lot Pre-Planning and/or Pre-Funding Can reduCe a lot stress and anxiety For your Family. stressyou and anxiety For your and Family . today. We encourage to begin the conversation call us
S E N I O R
A publication of SOUTHERN LAKES NEWSPAPERS LLC
FALL/WINTER 2017-18
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We encourage you to begin the conversation and call us today.
Pre-Planning Pre-P lanning funeral allows you to plan ahead by making personal choices in A Pre-Planned A Pre-Planned funeral allows you to ahead by choices writing, knowing that your wishes willplan be carried outmaking as you personal choose. We offerina writing, that your wishes willyour be carried as youneeds choose. offer a variety ofknowing Pre-Planned options to suit family,out religious andWe budget. variety of Pre-Planned options to suit your family, religious needs and budget. Pre-Funding Pre-F unding offers you the peace of mind of knowing your wishes will be Pre-Funding
Pre-Funding offers youyour the funeral peace ofinmind of knowing your be met. By purchasing advance you fund thewishes cost ofwill your met. purchasing your funeral in advance fundforthe cost of your funeralBy based on today’s prices. It provides a realyou benefit your loved ones funeral based on today’s prices. It provides a real benefit for your loved ones while offering sound financial planning. while offering sound financial planning. All records are maintained at the funeral home until needed. are the maintained at the and funeral until needed. Let Debbie andAll her records staff explain various programs answerhome any questions at your home or her’s. Let Debbie and her staff explain the various programs and answer any questions at your home or her’s.
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FINANCING YOUR RETIREMENT THE BENEFITS OF PETS • TIPS TO PREVENT THE FLU
Come E�perience
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Our assisted living and specialized memory care communities offer Independence WhenYou Want It, Assistance When You Need It®. We help ease the strain that activities of daily living can bring—freeing you up to remember past experiences and create new memories.
Assisted Living and Memory Care Oak Park®Place Burlington includes assisted living and specialized memory care neighborhoods. Throughout the community, we support choice and independence. Residents are encouraged to remain active and self-reliant, while our highly trained staff is on hand to assist with the activities of daily life if challenges arise.
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Choose a community with a professional, compassionate staff that understands your care and lifestyle needs. Call (262) 757-8852 or email burlingtonsales@oakparkplace.com to set up your own personal tour.
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• State-of-the-art paging system • Wander Guard System • IN2L Dignity through technology • Individual & private rooms with bathrooms • Outdoor gardens
• Providing each resident with up to 28 hours of continuing care services per week in an apartment setting • One and two bedroom apartments are available • Residents choose services and amenities as needed
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1025 S. Second Street • Delavan 262.728.2960 256107
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Retirement planning should start early. Baby Boomers and Gen X-ers are worried about funding their retirement. It’s time to start talking about the issue and assessing future needs.
MONKEY BUSINESS/STOCK.ADOBE.COM Living Senior
Why more Americans should be talking about ore than half of Gen X-ers and 40 percent of Baby Boomers have never given advice to their children about planning for retirement, according to a new study from North American Company for Life and Health Insurance. One retirement industry leader says that this lack of discussion about money matters can have a big impact on the future of savings. “Even when Americans are talking about retirement with their children, it’s clear from this study that their advice is vague,” said Ann Hughes, chief distribution officer. “The first step in helping the next generation succeed financially could come from simply, clearly sharing what you’ve learned from your mistakes.” Baby Boomers reported spending money on things
they didn’t need, going into too much debt and not saving for retirement when they were young. That’s not what they talked about with their kids, though, according to the study. And with even more Gen X-ers saying they regret spending and accumulating debt than previous generations, they may be on course to repeat their parents’ mistakes. Boomers and Gen X-ers share similar financial fears, according to the study. About 66 percent of Baby Boomers admit they are concerned about outliving their retirement savings. Gen X-ers are even more fearful – 77 percent report the same concern. These fears may stem in part from the fact that many Gen X-ers are getting squeezed – with nearly a fifth of this “sandwich” generation supporting their parents and 71 percent supporting children.
To ensure your savings can last a lifetime, start by assessing your current retirement strategy, including benefits such as Social Security and any other income streams. Then look at your future financial needs. You may also wish to investigate options such as a fixed index annuity, which can help protect your nest egg from market volatility and generate steady lifetime income. While the survey results
living S E N I O R
suggest a growing participation in parents’ retirement planning, there is clearly room for improvement in communication on these subjects. “All too often, money becomes a taboo topic or a source of embarrassment,” Hughes said. “Making time for these discussions can help encourage each generation to avoid making the same mistakes their parents did and plan better for the future.” (STATEPOINT)
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LIVING SENIOR • FALL/WINTER 2017-18
M
RETIREMENT
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TURNING 65?
If you’re turning 65 in 2017 or 2018, you’re one of 10,000 people who become Medicareeligible each day. Choosing Medicare prescription drug coverage can be confusing, especially for the first time. You may have questions about which plan fits your healthcare needs and budget or how to enroll. The good news is, it doesn’t have to be overwhelming if you know these four rules:
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– Lower premium plans may mean higher costs. Plans with a lower premium may end up costing more in the long run if they have higher drug copays, which can really add up.
– Not every plan covers 2(formularies) every drug. Drug lists can change every
year and so can the drugs you take. Be sure to check your plan’s formulary each year to make sure any medications you
Choosing the right Medicare Part D plan starts with four simple rules
take are covered.
– Check that there are 3 pharmacies close to you. That way, it’s easier to fill
your prescriptions. Select a plan with a wide range of “preferred” pharmacies, which typically offer lower co-pays than standard pharmacies in the network. Also, see if using a home delivery pharmacy or a 90-day supply could lower your costs even more.
– Look for 24/7 access 4Medicare to pharmacists and experts who can
answer questions about your medicines and offer drug safety tips, money-saving alternatives and expertise in drugs to treat specific conditions. Also, remember to check the Medicare Part D plan’s Star Rating. This is the overall quality and performance rating (out of 5 stars) based on member satisfaction surveys
FILE PHOTO Living Senior
Choosing the Medicare prescription drug coverage doesn’t have to be a challenge. Information is available to help you make the right decisions for your specific needs.
and other measures by The Centers for Medicare and Medicaid Services. For more information, visit www.Medicare.gov or www. RoadmapForMedicare.com.
To talk to an Express Scripts Medicare adviser, call (866) 544-3794, from 8 a.m. to 8 p.m., seven days a week (TTY users: (800) 716-3231). (BPT)
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Providing purpose in a socially stimulating environment, Inspiration Ministries serves adults with physical and mild cognitive challenges. Whether looking for that special place for your loved one, checking out the Resale Shops, donating a boat or car, or using our Retreat Center, you’ll feel right at home at Inspiration Ministries.
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LIVING SENIOR • FALL/WINTER 2017-18
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Studies show pets improve quality of life for everyone, especially seniors. Aside from the emotional benefits of owning a pet, studies have shown pets can help lower blood pressure, improve cardiovascular health and reduce cholesterol.
Keeping YOUR companion FILE PHOTO Living Senior
French novelist Sidonie-Gabrielle Collette once said, “Our perfect companions never have fewer than four feet.” Pets provide meaningful social support for owners, and they can be especially beneficial for seniors. Ample research shows pet ownership delivers physical and mental health benefits for seniors, regardless of whether they’re living on their own or in a senior living community. However, many older Americans still mistakenly believe moving into a senior living community means they’ll have to leave their pets behind. In fact, the fear they’ll have to give up a beloved pet is among the top emotional reasons seniors don’t want to move into senior living, according to author and senior real estate specialist Bruce Nemovitz. In an informal
survey by Nemovitz, seniors ranked losing a pet as emotionally jarring as having to leave their familiar homes and possessions. “Senior living communities like Brookdale Senior Living are all about supporting the physical health and mental well-being of residents,” says Carol Cummings, senior director of Optimum Life. “For many senior citizens, pets are an important part of their lives. It makes sense to preserve the bond between pet and senior owner whenever possible.”
Physical benefits
Pet ownership benefits senior citizens in multiple ways, research shows. Older people who own dogs are likely to spend 22 additional minutes walking at a moderately intense pace each day, according to a recent study by The
University of Lincoln and Glasgow Caledonian University. Published in BioMed Central, the study also found dog owners took more than 2,700 more steps per day than non-owners. Multiple studies have also concluded that pet ownership can help lower blood pressure, contribute to improved cardiovascular health and reduce cholesterol.
Mental health
Interacting with pets also has many mental health benefits, especially for seniors. Spending time with pets can help relieve anxiety and increase brain levels of the feel-good neurochemicals serotonin and dopamine. Pets can help relieve depression and feelings of loneliness. The online journal Current Gerontology
LIVING SENIOR • FALL/WINTER 2017-18
Pets help seniors stay healthier and happier, wherever they live, studies show
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and Geriatrics Research reports multiple studies indicate dementia patients who interact with animals become more social, are less agitated and have fewer behavioral issues.
Pets in senior living settings
“For too long, some senior living communities didn’t recognize the value of allowing residents to bring their pets with them,” Cummings says. “That has definitely changed.” For seniors looking for a community that will accept their pets, Cummings suggests a few questions to ask: • What is your pet policy and what type of animal do you consider a pet? Generally, small dogs, cats, birds, rabbits, rats, hamsters, fish, turtles and other small companion animals qualify for pet policies. Seniors should check to be sure their pet meets the standards of the community.
• What is your pet health policy? Typically, senior living communities that accept small pets will want them to be current on all vaccinations and have regular exams by a licensed veterinarian. Pets will also need to have any required state- or county-issued licenses. • What, if any, kind of training do you require pets to have? Requiring dogs to be house-trained and cats to be litter-trained is standard. Communities will also want to know your pet is well-behaved and not aggressive. They may ask you to have pets obedience trained. • Do you offer any assistance with pet-related tasks? Most communities will require residents be able to care for pets themselves, including feeding, walking, potty needs and health needs. “Moving into a senior living community is a big change, one that most residents find positive,” Cummings says.
FILE PHOTO Living Senior
Moving into a senior living community doesn’t necessarily mean having to give up your pet. It’s one of the reasons many seniors fear moving out of their home.
“They gain freedom from home maintenance tasks and household chores, a socially rewarding environment, and asneeded support for healthcare and daily care. As long as
seniors are still able to care for their pets, there’s no reason they shouldn’t be allowed to bring their best friends with them to their new homes.” (BPT)
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THE DOCTOR’S CORNER
Flu shots are important for seniors
As the temperature begins to dip and kids head back to school, many of us are reminded that flu season is right around the corner. The seasonal flu can cause serious, life-threatening complications and illnesses for people of all ages, but especially for seniors. This is because as we get older, our immune systems tend to weaken over time, putting us at higher risk for certain diseases. Influenza can be quite serious for seniors. More than 60 percent of flu-related hospitalizations occur in people 65 years and older, and it’s estimated that between 71 and 85 percent of seasonal flurelated deaths have occurred in people in this age group. The Centers for Disease Control reminds everyone that flu vaccination can reduce flu illness, doctors’ visits and prevent more serious flu-related hospitalizations. One recent study showed that those over 50 who got a flu shot were 57 percent less likely to need to be hospitalized for complications of the flu.
is designed for people 65 and older and contains four times the amount of antigen as the regular flu shot; and • The adjuvanted flu vaccine, Fluad, is designed to help create a stronger immune response to vaccination. This vaccine was first made available during last year’s flu season.
hours every night; • Clean and disinfect surfaces and objects such as doorknobs BY Dr. Jolanta and phones that may be Martyna contaminated with flu germs; Twardy and CONTRIBUTOR • Make sure you are up to date with the pneumococcal vaccination to help protect against diseases such as pneumonia, meningitis and Flu season is usually around Steps seniors can take bloodstream infections. late December to March, so the to prevent the flu from If you are sick with the best time to get a flu vaccination spreading flu, stay home to prevent is sometime between October The flu is spread through spreading it to others. There and November. The CDC droplets made when people with are prescription medications recommends that everyone the flu cough, sneeze or talk. called antiviral drugs that can six months of age and older The virus can also spread when be used to treat influenza illness get a seasonal flu shot by the someone touches something in some cases. Early treatment end of October, if possible. with the virus on it and then is especially important for the Flu vaccines are updated each touches their mouth, eyes or elderly. season to keep up with changing nose. Talk with your health care viruses, so it’s important to get a During flu season, take provider if you have any shot every year. preventative measures to reduce questions or want to make an Seniors can get any your chances of catching the flu appointment for a flu shot. injectable flu shot that is such as: Remember that getting a flu approved for use in that age • Stay away from sick vaccination is the best way to group. This includes cell-based, people; stay healthy this upcoming flu recombinant, and flu shots made • Periodically wash your season. using traditional egg-based hands for at least 20 seconds Dr. Jolanta Martyna Twardy manufacturing processes. There using soap and warm water; is a geriatrician at Aurora are two vaccines designed for • Strengthen your body’s Burlington Clinic, 248 McHenry seniors: immune system by getting some St. To reach her office call (262) • The “high dose vaccine” exercise and sleeping eight 767-8000.
Slips, trips and falls that cause injury and death are all too common, and they disproportionately affect older people. Indeed, one-third of older U.S. adults suffer falls each year, according to the Centers for Disease Control and Prevention. What’s more, a fear of falling can alter habits, negatively impacting one’s quality of life. Fortunately, many such falls are highly preventable. Changes in vision, balance and muscle strength that can occur as one ages can be addressed, and other external risk factors can be
prevented.
Staying vital Regular exercise is important for maintaining the physical strength and mobility needed to reduce the risk of falls. Taking classes to improve balance, such as tai chi, has also been shown to reduce the risk of falls. Many community centers and fitness clubs offer classes designed for older individuals, so be sure to consult your healthcare provider for an exercise routine that is appropriate for you.
“Set a reminder to get regular health screenings for bone density, vision and other fall risk factors. Staying aware of these physical changes and adapting to them, can help you remain healthy and independent,” says Carrie Nie, director, Safe Communities America, National Safety Council. Home modifications “Most falls happen at home, so it’s important for individuals, caregivers and loved ones to focus on keeping the home free of safety hazards that increase
the likelihood of falls,” says Nie. Installing grab bars, additional handrails and extra lighting can make it easier to maintain balance, improve vision and avoid tripping hazards. You should also free walking areas of tripping hazards, such as electrical and phone cords and open drawers and cabinets. To avoid slips, use non-skid rugs, clean up spills immediately and wear proper footwear. To learn more about fall prevention, as well as community safety efforts, visit nsc.org. (STATEPOINT)
LIVING SENIOR • FALL/WINTER 2017-18
Tips to prevent slips, trips and falls
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Funerals, Cremation and Monuments
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You home’s equity can be used to help finance your retirement. There are several options, do some research to see which one is the best for your situation.
Planning FOR THE future
FILE PHOTO Living Senior
How to use your home equity in retirement
and in installments each month. A HELOC works a little differently, because it’s not a loan with pre-determined monthly payments. Instead, it’s a revolving line of credit, similar to a credit card. You usually have between five and 25 years to borrow against a certain amount of equity and repay (with interest) whatever you take out. The time during which you can use the HELOC is called the draw period. The line of credit revolves during this period, so you can borrow and repay the balance multiple times. The total amount is due back in full with interest at the end of the draw period. Use a home equity Any time you have an amount outstanding, you will make monthly payments. loan or line of credit You can use a HELOC or home equity You can tap the equity in your home with loan during retirement, but remember that a home equity loan or a home equity line of you will need to pay the money back. You credit (known as a HELOC). A home equity should have a plan in place for how to loan works like most other loans: you agree repay the funds – and the interest – before to borrow a set amount of money, receive a you agree to take a loan or a line of credit lump sum, and pay that back with interest on your home.
Use a home ownership investment A home ownership investment is a powerful way to unlock some of the equity in your home without taking out a loan. The Unison HomeOwner program can unlock up to $500,000 of your home equity and the money can be used for anything you want – including paying monthly expenses, paying off debt or making home improvements. Because it’s a home ownership investment, not a loan, there are no monthly payments and no interest charges. Learn more at www.unison.com/ homeowner. Unison invests in the home alongside you. In return for the company’s investment in your home, they receive a portion of the future change in the value of your home. Unison shares both the upside and downside risk with you. When you choose to sell your home, up to 30 years later, if the home value rises, both you and Unison
LIVING SENIOR • FALL/WINTER 2017-18
Most of us save and plan for decades to enjoy the period of our life when we no longer need to go into the office and work an eight-hour day for a paycheck. But even with those decades of hard work, it can be tough to save up enough cash to cover all your costs in retirement. Many soon-to-be-retirees face a shortage between what they saved for retirement and what they actually need to live on. For homeowners, that may be a problem that’s relatively easy to solve. Tapping into the equity in your home can help you stretch your nest egg quite a bit further.
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share in the appreciation. If the home value falls, both you and Unison share the loss.
Consider a reverse mortgage A reverse mortgage can allow homeowners 62 years or older to turn equity in their homes into cash in a way that provides them with the income they need through retirement. You can get your cash in a lump sum or in monthly payments, or in a line of credit. But it’s important to remember that a reverse mortgage is still a loan that comes with origination fees and interest charges. It requires that you have no other debt on your property, so if you have an existing mortgage loan, you will have to repay that in full from the reverse mortgage proceeds. You will also need to pay the reverse mortgage loan back when you move out of the home, sell it or pass away. A reverse mortgage can give you income in retirement and whenever the home is sold, the money is used to pay off the loan. However, reverse mortgages can cause a lot of trouble if you’re not careful, and the high fees that you incur when you sell the home can leave you in a worse financial position than if you skipped the reverse mortgage altogether. (BPT)
FILE PHOTO Living Senior
While a reverse mortgage might seem like the best way to finance your retirement, there are pitfalls as the loan has to be repaid when you move out of the house. Also, high fees during the home’s sale could put you in worse financial position. Consult an independent expert if you’re considering going this route.
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Relax with a glass of wine and a cheese platter in our sunroom and gazebo looking out at the vineyard. Watch our website for exciting changes . coming soon
NEW Wines • NEW Food Options Wine Flights • Delicious Picnic Platters Wine & Chocolate Pairings Enjoy a Picnic Overlooking the Vineyard or Bring a Blanket to Savor Your Wine in the Vineyard
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LIVING SENIOR • FALL/WINTER 2017-18
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Technology can make keeping in touch with loved ones easy and fun. Grandparents can text, video chat and play games online with the grandkids.
FILE PHOTO Living Senior
Making connections Schedule a weekly dinner
Sure, it’s easy to sit down to enjoy a meal together as a family if you all live nearby, but for some families, that’s not possible. Luckily, technology makes it easy There are laundry lists of reasons why to share life’s experiences without being in grandparents are the best. They say yes the same place. when parents say no, they tell the best Take turns choosing a recipe and pick a stories but make even better listeners, and date for everyone to make it (Mom and Dad often they’re the first people we call with can assist the little helpers). At the end of news, both good and bad. the meal write a review of the food – what That’s why each September, we celebrate steps were easy or hard, which part was National Grandparents Day – a day of your favorite – and send to one another to recognition for all the amazing “nanas” see if your experiences were similar. and “pop-pops” out there. But connecting If Grandma and Grandpa are tech savvy, with Grandma and Grandpa shouldn’t be try video chatting while you create and just one day a year. Whether near or far, enjoy your recipes to make it feel like grandparents can keep connected to their you’re dining together. family’s lives any day of the year with the following tips. Play games together online
Make a daily photo album When family members live far away it can be difficult to stay up-to-date on what’s new in their lives. It’s easy to forget
Don’t let distance put a damper on game night – grandkids and grandparents can play virtually. Downloading and playing is simple with today’s smartphones and affordable phone plans. Try TracFone –
they offer a 30-day smartphone-only plan with talk, text and data for just $15 a month – all on the largest 4G LTE networks. Grandparents will have plenty of money left over to spoil the grandkids, and with no activation or cancellation fees, they can change their no-contract plan as often as needed, without penalties. Learn more at get.tracfone.com.
Call at bedtime Bedtime can be hectic for moms and dads with little ones. Grandparents to the rescue! Make a call part of bedtime’s nightly ritual. Telling stories with Grandma will keep one kid busy, allowing Mom and Dad to tend to the others. It’s a sweet ending to the day for all.
Send postcards as you travel There’s still something uniquely special about receiving a handwritten note from someone you love. Grandparents and grandchildren can share that experience by making a “pinky promise” to send one another postcards from their travels. Grandparents and grandchildren will look forward to checking the mailbox daily for it to arrive, and a phone call to discuss all of the trip’s adventures will soon follow. (BPT)
LIVING SENIOR • FALL/WINTER 2017-18
Ways to keep in touch with grandparents near and far
to call one another and share life’s ups and downs. To help bridge this gap, make digital scrapbooks and schedule a call once a month to exchange your albums with each other. Voila – an entire month’s worth of memories to catch up on in one place.
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Are you banking on Social Security for your retirement income?
If you’re a middle-income baby boomer, chances are you’re still struggling to recover from the financial crash that began in 2007. You’re not alone. According to a new study, only two percent of boomers feel the economy has fully recovered, and 65 percent say they have not felt personal benefit from any recovery. According to the Bankers Life Center for a Secure Retirement, middle-income baby boomers are increasingly reliant on Social Security for their primary source of retirement income. Before the crisis, 43 percent planned to rely on personal savings or earnings for their primary source of retirement income. That number has dropped to just 34 percent, with the difference mainly moving to Social Security. As generous as the program is, Social Security was never designed to fully replace your
wages. While nearly all boomers say they still plan to retire, they are adjusting retirement expectations to meet their new reality. This new reality is primarily focused on a decrease in financial independence. To address this, try to: • Pay off debt. Debt payments should ideally be no more than 10 percent of your income when you retire. • Work part-time. Whether you choose to work full-time, part-time or on a seasonal basis, employment income will relieve pressure on your other sources of income. No matter what your savings level is, a professional can help you create an investment strategy that fits with your personal situation. Boomers who sought the help of a financial professional felt more confident in their financial decision-making and more
FILE PHOTO Living Senior
Proper planning and professional advice now can help you have a better retirement.
optimistic about their retirement expectations. There are a wide range of affordable and secure options available to help you save for your retirement, provide income, and protect your assets. Annuities are designed to help you
accumulate money for retirement or turn your retirement savings into an income stream. Other investment options to explore include mutual funds, IRAs and Roth IRAs. To learn more, visit www. (NAPS) BankersLife.com.
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This simple test can set you on the road to a
lifetime of better health
Here’s a sobering statistic for you: 20 percent of all deaths in the United States can be attributed to poor lifestyle factors and behavioral choices. It’s difficult to swallow, but fortunately new research also finds that those who take the time to establish a simple screening routine improve their chances of modifying their behavior toward a healthy lifestyle. The research, appearing in the Journal of Community Medicine and Health Education, shows that individuals who had undergone a cardiovascular screening were more likely to take action to modify their lifestyles after the screening. In addition, these steps toward potential better health appear to exist regardless of the actual screening results. The survey gathered information from 3,267 individuals who were set to receive a cardiovascular screening through Life Line Screening. Participants were predominantly over 50 years of age and mostly women. The survey respondents were divided into two groups: those who were surveyed after they had their cardiovascular screening and those who were screening-naïve, meaning they had
yet to undergo a cardiovascular screening. Both groups were asked questions about their current and future health plans and once the surveys were completed, results from the two groups were then evaluated to determine a participant’s motivation to modify their lifestyles. This evaluation took into account the act of the screening and whether the presence of a completed screening modified behavior. Results of the research show a statistically significant difference between those who had been screened and those who hadn’t with regards to modifying future behavior. These behavior modifiers included healthy initiatives such as enjoying a healthier diet or adding exercise to a person’s daily lifestyle. Perhaps more interesting, researchers found participants were more interested in improving their healthy lifestyle after the screening regardless of their individual screening results. In addition, patients who tested normal, abnormal or even critical during their screening were all more likely to make health changes after the screening when compared
to their prescreening counterparts. Those who recorded abnormal or critical results also reported being more likely to follow their doctor’s exact directions and take all of their medications on the predetermined schedule. You can’t know where you’re going if you don’t know where you are Heart disease remains the No. 1 killer of men and women in the United States, accounting for roughly one quarter of all deaths according to the Centers for Disease Control and Prevention. Yet despite this shocking statistic, many people remain unaware of their current cardiovascular health. Enrolling in a cardiovascular screening is a fast, easy way to understand your current cardiovascular health and provide you a basis for future health care decisions. It’s an important first step and one that can ultimately lead to a healthier, longer life. To learn more about cardiovascular screening and to find screening options in your area, visit www.lifelinescreening.com. (BPT)
FILE PHOTO Living Senior
LIVING SENIOR • FALL/WINTER 2017-18
Cardiovascular screening is a fast, easy way to understand your current cardiovascular health and provide you a basis for future health care decisions. Get checked out.
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FILE PHOTO Living Senior
Dressing appropriately when you’re older than 60 doesn’t have to mean shapeless, dull outfits. It’s all about choosing the right style and colors.
Smart fashion tips to keep you looking
stylish AND fabulous
kind of thinking, she advises. The age of the model wearing the fashion is far less important than whether the style will work for you.
agrees. Williams didn’t leave her lifelong love of fashion behind upon moving into the senior community. Instead, she remains an avid reader of fashion magazines, and designs and makes her own jewelry to accessorize her wardrobe. She happily shares fashion advice with other residents who seek to remain stylish after 60. Here are some of Brock’s and Williams’ favorite tips and insights for senior women:
Find clothes that fit
Think outside the box
Find your colors
Senior women can have trouble finding fashion images that feature women who could be their peers, Brock says. Because most clothing is marketed with images of younger models, many older women may worry about their clothes being “ageappropriate.” Don’t be limited by that
Look for garments that have a defined shape. You don’t have to wear form-fitting clothing, but do avoid overalls or baggy, pull-on pants and maxi dresses with no waistline, Brock advises. Everyone has certain colors that complement their skin tone, hair and eyes, and others that are less flattering. Determine which ones are yours and emphasize those colors in your wardrobe. Brock also counsels against putting too many colors in a single outfit, and says
LIVING SENIOR • FALL/WINTER 2017-18
Muumuus and mom jeans or spangled capris and Aloha shirts – is this really all the fashion world has to offer women over the age of 60? Do mature women who desire to dress fashionably for summer really have to choose between “frumpy and fogey” or “too young and trendy?” Not at all, says Catherine Brock, who blogs about style on thebudgetfashionista. com. “Reaching a certain age doesn’t mean you have to give up your love of fashion, or that you can’t be stylish,” Brock says. “In our youth-obsessed society, many fashion trends are geared for young women, but truly stylish clothing can work for women of any age.” Joyce Williams (name changed to protect her privacy), a resident of Brookdale Belle Meade Senior Living Community in Nashville, Tennessee,
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avoid wild color patterns. Instead, pick one piece in an outfit to make a color statement and use muted, complementary colors in the rest of the outfit to create a backdrop for your statement color.
Know what looks good
Just as important as knowing your best colors, you should also know the visual line that looks best for your body type, Williams says. For example, if you’re pear-shaped, a line that draws attention to your shoulders can be flattering, Brock adds. Appleshaped women may find an A-line skirt flattering since it creates an angle from the shoulder to the waist.
Stay true to your own personal style
“If you had a well-established personal style when you were younger, it doesn’t need to change just because you’re older,” Brock says. “If anything, as you age, you can pay more attention to 800 Park Dr 800 Park Dr Lake Geneva, WI Lake Geneva, WI 53147 53147
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Stick with the classics
Some styles work particularly well for senior women, Brock says. Blazers and cardigans pair well with V-neck tops, sheath dresses, shift dresses and button-down shirts. “In warmer months, V-neck tops with elbow-length sleeves are the new T-shirt for seniors,” she says. “Just add a necklace for a little sparkle.” Plus, every senior woman should have wardrobe staples such as a black blazer, white button-down shirt, dark-wash jeans, straightleg trousers, neutral-colored cardigans, a collection of dolmansleeve tops and T-shirts with varying sleeve lengths and necklines.
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your personal style and be less of a slave to the season’s trends.” Adapt your younger style to your more mature place in life by focusing on creating outfits that make only one statement at a time, she advises. For example, wear that big, chunky turquoise necklace that you’ve always loved and pair it with an outfit that’s simple and straightforward like a pair of tailored jeans and a white blouse.
Never underestimate the power of great accessories, Williams says. The right jewelry can turn an ordinary outfit into something stunning, and you can change the entire look of an outfit simply by switching around your accessories. “It’s never too late to discover your personal style,” Brock says. “Start by creating a Pinterest board and saving looks you love (get a fashion-minded younger friend to help if you’re not tech-savvy). Then reacquaint yourself with your body type and go shopping with a friend. Try on different cuts of pants, skirts and dresses until you both agree on which are the most flattering. Find the cuts that look good on you and then start experimenting with colors and textures.” (BPT)
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FILE PHOTO Living Senior
Five steps to plan for dealing with
diminished capacity and illness
– Organize your important Step 1 financial documents. Store them in a safe, easily accessible location.
Give copies to trusted loved ones or let them know where to find them. When it comes to bank and brokerage statements and account information, make a list of your accounts with account numbers. Keep a separate list of online bank and brokerage passwords and PINs, and keep both lists in a safe place. List the locations of your safe-deposit boxes and their keys. Keep your mortgage and credit information,
Keep your financial professionals informed insurance policies, retirement benefits and Social Security information easily accessible. of changes regarding who has authority to – If you work with a financial review your account or whom they should professional, give that person contact in an emergency.
Step 2 emergency contact information in case he or she can’t reach you or suspects something is wrong. Discuss what you would consider to be an emergency and specify when your financial professional may contact someone on your behalf.
– Consider creating a durable Step 3 financial power of attorney. A financial power of attorney gives someone the legal authority to make financial decisions for you if you cannot. That person is called your agent. A financial power of attorney differs from a health care power of attorney, which covers only health care decisions. After signing a durable financial power of attorney, you can still manage your money and property as long as you have the ability to make decisions. Since you’re essentially giving financial decision-making authority to your agent, it’s critical he or she be someone you trust.
– Keep things up to date. Step 4 If something changes (for example, you open a new account), keep
your information as current as possible. Your trusted contact may also change over time.
– Speak up if something goes Step 5 wrong. If you ever think someone is taking advantage of you or that
you’ve been the victim of a fraud, speak up. Sadly, sometimes even family members, financial professionals and other people they think they can trust commit financial crimes. If this happens to you or your loved one, you’re not alone—and the sooner you let someone know about it, the better chance there is of putting an end to it. If you have questions or concerns about issues with brokerage accounts and investments, call the FINRA Securities Helpline for Seniors toll-free at (844) 5743577. You may submit a formal complaint to FINRA about a financial professional or firm at www.finra.org/complaint or call (301) 590-6500. If you have an issue with a consumer financial product (such as a mortgage or credit card), submit a complaint to the CFPB. Visit www.consumerfinance.gov/complaint or call (855) 411-2372. To learn more about how to protect your money, visit the FINRA Foundation’s website: www.SaveandInvest.org. (NAPS)
LIVING SENIOR • FALL/WINTER 2017-18
Aging can change many things in a person’s life, including the ability to manage one’s own money. That sobering reality is behind the creation of a new resource, “Planning for Diminished Capacity and Illness,” issued by the U. S. Securities and Exchange Commission and the Consumer Financial Protection Bureau. These organizations offer this key tip for how to prepare for your financial future: Hope for the best but plan for the worst. “Diminished financial capacity” generally refers to a decline in a person’s ability to manage assets to serve his or her best interests. When people of any age lose the capability to manage their finances, they may also become more vulnerable to investment fraud and other forms of financial abuse. These five steps can help you prepare.
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Many boomers surprised by debt in retirement If you’re like most people, retirement means more time to travel, play with grandkids and experience greater personal satisfaction in everyday life. But as baby boomers begin to retire, many will experience a different reality – one marked by debt. According to a new study commissioned by Bankers Life Center for a Secure Retirement, more than half of pre-retirees think they’ll pay off their debts before retirement, but only a quarter of retirees actually are debt free. The same study found that eight in 10 middle-income Boomers currently have some debt, and nearly 25 percent have more than 20 years remaining on their mortgage. “We tend to prepare for
costs that we can anticipate,” said Scott Goldberg, president of Bankers Life. “Most do not foresee the amount of debt they will carry into retirement and other unexpected expenses, such as long-term care and various health related costs.” Not long ago, many retirees relied on pensions and Social Security for income during their golden years. These income streams used to be enough to live on comfortably. Today, fewer companies are offering pensions and benefits from Social Security are getting leaner just as a greater number of Americans are retiring. According to the study, middle-income boomers are unsure of the best ways to maximize their income and find
FILE PHOTO Living Senior
Being financially prepared for long-term retirement is more important than ever. It’s never too late to plan for the future.
additional sources of income during retirement. Nearly 90 percent express some concerns about making their money last in retirement. It’s never too late for boomers
to meet with a trusted financial advisor to prepare and take the correct precautions that can set them up for a more fulfilling experience in their golden years. (NAPS)
LIVING SENIOR • FALL/WINTER 2017-18
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Review your saved items frequently to make sure you’re not keeping too many duplicates.
TIPS
FILE PHOTO Living Senior
to keep your cellphone running smoothly
Do you really use all those apps? Take a long look at the apps you’ve downloaded, and decide which ones you use regularly and therefore need to keep. Delete the rest. Unused apps not only hog precious storage space, they also impact your battery life. You can always download an app again later if you discover you can’t live without it. But for now, get rid of the extras. Learn to manage photos and videos Nothing beats the convenience of taking digital photos and videos on your cellphone.
Unlike using film, there’s no set limit to how many you can take. But there definitely is a limit to how many you’ll want to keep stored on your device. Photos, and especially videos, chew up memory with each one you save. You also run the risk of losing the entire collection if something happens to your phone to wipe out its memory, or if it is lost or stolen. Most importantly, regularly back up your files to a computer, external hard drive, or cloud-based storage – then delete all (or most) of them from your phone.
Clean up after browsing When you surf the internet on your phone, each website stores a unique collection of images, videos, or text files required to display things like web pages and advertisements. These files makeup what’s called the phone’s cache memory, or cached data. Cached data is saved within your browser so that next time you access the site you already have the information necessary for it to load quickly. It’s a wonderful tool for web pages you visit frequently. But for sites you’ll rarely visit again, these files simply take up valuable digital real estate. As they accumulate, you’ll start to notice web pages taking a lot longer to load,
making your browsing experience much less enjoyable. To avoid this, make it a habit to periodically clear your cache memory. While each Android phone or iPhone is slightly different, the general process will include going to the “Settings” menu on your phone, then locating your Storage, Apps, or Applications Manager menu. Cached data is usually stored here, clearly labeled. Follow the prompts to delete unwanted files. Make your contacts count Without careful attention, your “Electronic Phone Book” can overflow with duplicate entries or just-plain unimportant contacts. The cost of all that extra data is not only time wasted scrolling through extraneous information – it’s also eating up memory you could use for more valuable things. Keep it as good as new Your phone, and your enjoyment of it, will benefit tremendously from regular monitoring and simple maintenance. Whether you’re using an entry-level flip phone or the most advanced smartphone, a little TLC will go a long way toward keeping things operating efficiently and extending the useful life of your device. (BPT)
LIVING SENIOR • FALL/WINTER 2017-18
We all love the convenience of modern cellphones. They’re so much more than just phones – they’ve become our cameras, calendars, mailboxes, entertainment consoles and internet browsers. But all those apps, photos, videos and games compete for a limited amount of room in which to operate. If you’re not careful, your phone’s memory will quickly become the digital equivalent of a traffic jam. According to experts at Consumer Cellular, a wireless provider specializing in working with clients 50 and older, this doesn’t mean it’s time to scrap your phone. Instead, they recommend trying a few simple housecleaning steps, before giving up on a sluggish device.
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The Motivo Tour will change the way you get around Inspired by their own family members, two industrial designers set out to advance a product that has seen little innovation since its use in hospitals in World War II. What they achieved is the reinvention of the walker, the Motivo Tour. The Tour features revolutionary technology that provides users greater independence for a more active life, and a sense of pride and dignity. Its patented design allows users to walk inside and upright as opposed to behind it and hunched over. This creates less fatigue, better posture and greater stability – and the inside position puts the user much closer to cabinets, drawers, shelves and counters without having to reach over their walker. Beyond the ergonomic benefits, the Tour includes first-in-class convenience features like an innovative stow-away padded seat, an easily accessible storage compartment that does not have to be emptied or removed when folded for transport, multiple cup holders and a convenient tray. The contemporary design and automotive-inspired styling leave behind the stigmatizing, cold medical look that’s associated with traditional walkers. A rich color palette and interchangeable graphics packages allow you to make the Tour your own – something never before seen in the world of mobility aids. “The Tour was inspired by our parents and grandparents, who struggled with the decades-old design of existing walkers,” said Jennifer Harris, who, along with Jeremy Knopow, founded Motivo, bringing together over 40 years of product design and development experience. “We wanted our parents, and anyone else who needs a little extra help getting around, to have a better option,” said Knopow. “One that gives them greater independence and didn’t make them feel like a medical patient.” In addition to being loaded with convenience features, the Tour
FILE PHOTO Living Senior
Many Americans have discovered a new assistive device that lets them walk with comfort, safety and dignity.
is made of lightweight and ultra durable materials for superior quality. It folds compactly for easy travel, and the integrated storage compartment means users won’t have to remove their belongings every time they fold their walker, as with traditional wheeled walkers. Manufactured and designed in the U.S.A., the Motivo Tour is now available for purchase at Motivo’s website, www.motivolife.com, and at select home medical device dealers across the country. (NAPS)
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Understanding the facts about stroke helps empower you to control your own health. Even if risk factors are present, you can take proactive measures to help prevent stroke for yourself and loved ones.
Chances are you know someone who has had a stroke. An estimated 795,000 people in the United States have a stroke each year, according to the Centers for Disease Control and Prevention. Despite how common strokes are, there are a lot of widely believed misconceptions. Unfortunately, not knowing the facts can put a person at bigger risk for experiencing a stroke themselves, or, not being able to help someone else who may be experiencing a stroke. To help separate fact from fiction, the medical experts at Life Line Screening share the truth about the top misconceptions about stroke – Misconception – Strokes only happen to older people. Fact – Research found 61 percent of strokes happen in people over the age of 65. That means 39 percent of strokes happen to younger people. Misconception – Strokes are not a problem in the United States. Fact – You may only know a few people who’ve had a stroke in their life, but someone has a stroke every 40 seconds in the U.S. Misconception – A stroke will kill you. Fact – About one out of eight strokes results in death within thirty days. The other seven instances leave the person disabled. Stroke is fatal in about 10 to 20 percent of cases and, among survivors, it can cause a host of disabilities, including loss of mobility, impaired
speech, and cognitive problems. Misconception – Strokes cannot be prevented. Fact – Up to 80 percent of strokes could be stopped before they start. Health screenings are an effective way to identify and understand risk factors so they can be properly managed. Research shows nine out of 10 cardiovascular doctors support preventive health screenings for cardiovascular disease (plaque in the arteries) among patients with key risk factors. To learn more, visit www.lifelinescreening. com. Misconception – Only a doctor can identify a stroke. Fact – Everyone can and should know the signs and symptoms of stroke. By taking quick action, you could save a life. According to the CDC, the most common signs of stroke are: • Sudden numbness or weakness in the face, arm or leg, especially on one side of the body. • Sudden confusion, trouble speaking or difficulty understanding speech. • Sudden trouble seeing in one or both eyes. • Sudden trouble walking, dizziness, loss of balance or lack of coordination. • Sudden severe headache with no known cause. If you or someone else has any of these symptoms, call 911 immediately. (BPT)
LIVING SENIOR • FALL/WINTER 2017-18
Facts about strokes that could save your life
FILE PHOTO Living Senior
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Caring for grandkids can be overwhelming. However, preparation can help ensure your family’s safety and security.
More grandparents are raising grandkids
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From single parents to traditional and multigenerational households, modern families come in all shapes and sizes. But did you know there’s an uptick in the number of grandparents raising grandkids? According to data from The Pew Charitable Trusts, 2.9 million grandparents were raising their grandchildren in 2015 compared with 2.5 million in 2005. Oftentimes, grandparents become primary caregivers due to unforeseen circumstances. Here are three things those taking on this responsibility should consider.
Protect their financial future
A recent study found 30 percent of all households don’t have life insurance, according to LIMRA, a life insurance research organization. Grandparents should be sure this coverage is up to date. They might also consider purchasing term insurance – life insurance issued for
Promote smarter driving
As teens get behind the wheel, encourage them to drive safely. A 2015 statistic from the Centers for Disease Control and Prevention says six teens die every day in car crashes in the United States, and this is the number one killer of teens. Distracted driving is the cause of 58 percent of teen-involved traffic crashes, according to the National Organization for Youth Safety. Remind grandkids about the dangers of texting, using apps and changing the radio station while driving. Also, reevaluate your auto insurance policy. Talk to an agent about whether it makes more sense to add grandchildren to an existing policy or take one out for them
specifically. Grandparents may be able to add grandkids as secondary drivers on a policy, but should be prepared to pay higher rates since teens may be considered high-risk. Look for a cost-effective solution, such as the Youthful Driver Discount offered by Erie Insurance. Eligible licensed drivers 20 and under can save up to 20 percent on their car insurance. Plus, drivers under age 21 who complete an accredited driver’s education course may also be eligible for discounts.
Keep them safe
Accidental injury is the leading cause of death for children up to 14 years old, and more than a third of accident-related deaths happen in the home, reports KidsHealth. To create a safe living environment for younger children, secure large furniture to walls, purchase safety gates for staircases, and install outlet covers, corner protectors, security locks and appliance latches. It might also be a good time to update inhome safety features for grandparents, too. Handrails provide better grip on staircases, and anti-slip mats and grab bars in the bathroom can add extra stability. (STATEPOINT)
LIVING SENIOR • FALL/WINTER 2017-18
Three things they need to know
a limited period of time. More affordable than a whole life policy, it provides financial security for the golden years, helps supplement retirement income and can assist with final expenses. A term life insurance policy can even help pay off a mortgage – so grandparents have peace of mind knowing that dependents have a roof over their heads – and can also be used for other child-rearing expenses, such as college tuition.
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Finding resources for older adults If you or someone you care about is an older adult, you should know about the Eldercare Locator. The Eldercare Locator, a public service of the Administration on Aging, an agency of the U.S. Administration for Community Living is a nationwide service that connects older adults and their caregivers with information on aging services. Since 1991, the Eldercare Locator has been linking those who need assistance with state and local agencies on aging, as well as community-based organizations that serve older adults and their caregivers. Whether help is needed with services such as meals, home care or transportation, or a caregiver needs training and education or a well-deserved break from caregiving responsibilities, the Eldercare Locator is there to point that person in the right direction.
328 Kenosha St., Walworth, WI
The Eldercare Locator is a public service of the Administration on Aging (AoA), an agency of the U.S. Administration for Community Living. Callers to the Eldercare Locator receive information about federal, state and local services such as transportation, in-home supportive services, and health and wellness programs. Information Specialists are there to help guide callers to the correct resources. You can call the Eldercare Locator at (800) 677-1116 Monday through Friday, 8 a.m. to 7 p.m. to speak with a knowledgeable information specialist, or you can visit the website, www.eldercare. gov to find local resources on a broad range of topics. (NAPS)
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FILE PHOTO Living Senior
262-275-2171
Older people can get help and advice on a number of topics from one special source.
EXPERIENCED SENIOR CARE
Come Make Yourself at Home! Where an Active Lifestyle Is Affordable for Adults 55 or Better
LIVING SENIOR • FALL/WINTER 2017-18
Each office is independently owned and operated.
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Home Helpers provides non-medical and personal care in homes, retirement communities, nursing facilities – wherever we’re needed! Our flexible care plans are tailored to fit your needs and budget. Caregivers are bonded and insured.
Office Hours: Mon., Tues.Thurs., Fri. 8:30 to 1:00 p.m.
Stop by or call today for an appointment! 317 S. Main Street, Delavan, WI 53115 • One or Two Bedroom Apartments • Heat, Water & Sewer Included • Laundry Room on Each Floor • Heated Underground Parking
(262) 757-0012 www.HomeHelpers.CC
• 3-Story with Elevator Service • Controlled Entrance • Newly Decorated Community Room with Kitchen • Many Activities • A Pet Friendly Community
(262) 728-9948
158252
Located just 2 Blocks South of Historic Downtown Delavan Professionally Managed by Oakbrook Corporation 204452
Getting vaccinated is an important step you can take to protect your health. Talk to your healthcare professional to make sure you have all the vaccines you need.
PROTECT YOUR HEART HEALTH
W
hile getting vaccinated is important for people of all ages, it’s especially important for adults with heart disease. They are more likely to have serious complications from common diseases such as influenza or pneumonia that vaccination can help prevent. Common diseases can become serious in adults with heart disease; they can even increase the risk of another heart attack. The protection that vaccines provide helps reduce these risks, and while adults may know they are at increased risk for a heart attack, they may not know they need vaccines throughout their lives to help protect them from serious illness. Bill Zeigler, 70, didn’t realize he had coronary artery disease until 2016, when he began to feel winded after regular exercise and went to his physician’s office for a stress test. It was there that he learned he had CAD, one of the most common forms of cardiovascular disease. After his diagnosis, he
knew he had to make important lifestyle changes, including adopting a healthier diet and maintaining his exercise routine. And while Zeigler had stayed up-to-date with his flu vaccinations, his physician explained that getting these and catching up on his pneumococcal vaccinations was more important now than ever because of his diagnosis. Vaccines are one of the safest and easiest ways to protect your health, even if you are taking prescription medications, say experts. Fortunately, getting a vaccination is easy – most doctors’ offices, health care centers and local pharmacies offer vaccines, and many are covered by health insurance. If you have heart disease, the Centers for Disease Control and Prevention recommends the following • An annual flu vaccine to protect against seasonal flu; • Pneumococcal vaccine to protect against pneumococcal disease between the ages of 19 and 64. All adults will need additional doses once they turn 65;
• Td and Tdap vaccines to protect against tetanus, diphtheria, and pertussis (whooping cough.) Td is recommended every 10 years for all adults. Tdap vaccine adds protection against whooping cough. All adults need Tdap vaccine if they haven’t received a dose; and • Zoster vaccine to protect against shingles, if you are 60 years or older. Your healthcare professional may recommend other vaccines as well, based on factors such as your job, lifestyle and travel habits. Be sure to ask what vaccines you need. “If I were to give advice to anyone else with cardiovascular disease, I would tell them to make sure to follow all the instructions given to them by their physicians, including getting vaccinated,” says Zeigler. “I make sure to get my flu vaccine every year, and any other vaccines that I’m due for.” To learn more about recommended vaccines and find a location to get vaccinated near you, visit cdc.gov/vaccines/heart. (STATEPOINT)
LIVING SENIOR • FALL/WINTER 2017-18
by getting vaccinated
ELNARIZ/STOCK.ADOBE.COM Living Senior
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Get out AND have some fun Tips to prevent isolation as you age
FILE PHOTO Living Senior
Getting out and meeting people can be good for your health at any age. Don’t isolate yourself from friends and family.
Did you know that an estimated one in five adults over the age of 50 is affected by isolation? This is a problem, as research has shown that prolonged isolation can be as bad for you as smoking 15 cigarettes a day – and these negative health consequences of chronic isolation may be especially harmful for older adults. Here are some suggestions to combat the problem of social isolation and loneliness: • Nurture and strengthen existing relationships; invite people over for coffee or call them to suggest a trip to a museum or to see a movie. • Schedule a time each day to call or visit someone; • Meet your neighbors; • Don’t let being a nondriver stop you from staying active – find out about transportation options; • Use social media to stay in touch or write letters;
• Stay physically active; • Take a class; • Revisit an old hobby; • Volunteer; • Visit a senior or community center to see what’s going on; and • Check out faith-based organizations’ groups and events. To connect to aging services and programs in your area contact the Eldercare Locator, a public service of the U.S. Administration on Aging, a part of the Administration for Community Living. This nationwide service is a trusted gateway to connect older adults and their caregivers with local resources for older adults. Call the Eldercare Locator at (800) 677-1116 to speak with a an information specialist or visit the website www.eldercare.gov to find local resources on a broad range of topics and access help today. (NAPS)
1001 S. Pine Street, Burlington WI 53105
LIVING SENIOR • FALL/WINTER 2017-18
• Assisted Living & Memory Care Wings • Incontinence assistance
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• Assistance with the activities of daily • Broad spectrum of outings & living (includes bathing, dressing, activities grooming) • Outside therapy services offered • All meals & snacks included and • Utilities; heat, A/C, electric & water prepared on premises included (residents responsible for • Laundry & housekeeping services cable & phone if desired) included • Comprehensive emergency response • Staff on premises 24/7 system • Beautiful garden courtyard for walks, activities and cookouts • RN & LPN on staff 24/7
For more information, please contact Kelly Burke (262) 767-1516 kellyb.pinebrookepointe@yahoo.com 283482