STOCK PHOTO Living Senior
SilverSneakers members have access to more than 15,000 fitness locations and community organizations across the
country, so don’t delay. No matter where you live, a better, healthier you is waiting to be discovered.
Switch it up to stay in shape Three workouts everyone older than 60 needs
Find peace with yoga Yoga is popular with fitness enthusiasts of all ages, and for older adults, practicing yoga can improve balance, flexibility, mental focus, core strength and breathing efficiency. It can also be a wonderful stress reliever. If you are new to the practice of yoga, or if you feel unsure or unstable during any class, consider using a wall or chair to aid you in your balance for certain poses. Make sure to protect your joints by moving gently into stretches and poses, never forcing your body
into any posture. You can regulate your blood pressure with even, continuous breathing. Additionally, be aware that inversions, those poses that place your head below your heart, can cause changes in blood pressure. Finally, while yoga can certainly be practiced alone, taking a class through SilverSneakers is a great way to bond with others during your workout and get expert guidance from a trained instructor.
Stepping up your strength Building muscle mass is a key benefit of strength training, but for older adults there are additional benefits. Strength training, sometimes called resistance training, supports bone health and aids in the prevention of osteoporosis, a CONTINUED ON PAGE 4 improves your balance and
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You want to live the healthiest life possible and you realize that to do so, you can’t rely on the same old exercise routine. You need to change it up and adjust your plans as you grow older. It may seem daunting, but the good news is that staying fit can be easier than you think. “Many older adults know their fitness routines have to change as they age because of injuries, chronic aches and pains, or even shifts in the exercises they enjoy,” says Julie Logue, SilverSneakers training manager for Tivity Health. “That’s why finding the right health plan during Medicare’s open enrollment period is so important. It’s especially valuable to find a health plan that includes SilverSneakers, which is the nation’s leading fitness program designed exclusively for older adults. It’s much easier to be consistent with exercise when you find a program you love.” If you are an older adult who likes yoga, strength training or aerobic exercise – or if you are considering such a regimen – Logue suggests a few ways to switch up your routine, so you can continue living a healthy, active lifestyle.
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a CONTINUED FROM PAGE 3 supports a healthy weight. Regular strength training also can make everyday activities easier. The Centers for Disease Control and Prevention recommends that adults of age 65 and older, who are generally fit with no limiting health conditions, should do resistance training exercise on two or more days a week, focusing on all major muscle groups. When beginning an exercise program, the best practice is to start with lighter weights, performing one to two sets of each exercise with 10 to 15 repetitions in each set. To continue to benefit from strength training safely, increase your resistance slowly, always using proper technique to avoid strains and other injuries. You can manage your blood pressure by exhaling during the most challenging part of each exercise. Choosing to work out with a partner or coach can help keep you motivated and make you more aware of your form and alignment, keeping you safer during your workout. Finally, take a break. Allowing a day between strength training workouts helps your muscles recover so you come back to your next routine even stronger. Download the new SilverSneakers GO app and discover programs to fit your personal activity level.
Improvements to your regular exercise routine will support you in your goal of living a healthy life, but you can take the next step with the support of SilverSneakers programs with classes, digital tools and workouts designed with seniors in mind. STOCK PHOTO Living Senior
Keeping the cardio Whether it’s dance or another calorieburning cardio exercise like cycling or walking, getting your body moving is a fun and healthy way to improve your lifestyle. Cardio exercise has also been shown to improve your coordination, agility and reaction time, as well as help you manage your blood pressure and improve cognitive function. Plus, it’s just flat-out fun, especially if you enroll in a class as a SilverSneakers member.
To keep your cardio routine interesting and effective, pay attention to the impact that some types of exercise can have on your joints. Walking, cycling and water exercise are all efficient ways to get a great workout while being gentle on your joints. And, with social isolation affecting as many as 43 percent of older adults, asking a friend to join you is a great way to stay motivated, connect with others and enjoy life. To learn more about SilverSneakers, visit www.silversneakers.com. (BPT)
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STOCK PHOTO Living Senior
Inviting elderly relatives or neighbors over to dinner and social gatherings is a great way to make them feel like valued members of your community.
Be a good neighbor Ways to lend a helping hand to seniors
Deliver meals Seniors who are confined to their homes typically need to have their meals delivered to them. Men and women looking to help seniors can volunteer to work with their local Meals on Wheels program. Meals on Wheels boasts a national network of more
than 5,000 independently run programs, and these programs rely on more than two million volunteers to deliver nutritious meals to seniors with limited mobility. The need for volunteers to help seniors figures to grow in the coming decades, as Meals on Wheels America notes that the percentage of the population that qualifies as seniors will grow from 18 percent in 2010 to 26 percent by 2050.
Help around the house The work required to maintain a home is considerable no matter a person’s age, but that task is even more difficult for seniors. Even the healthiest seniors may not have the mobility or physical strength required to keep up with household chores. Offering to help a senior maintain his or her home is a great way to improve their quality of life. Visit an elderly relative or neighbor and offer to mow their lawn, take out their
garbage or perform another task they might find challenging. Performing a few chores around a senior’s house won’t take long, but such gestures can have a big impact on seniors’ lives.
Invite seniors over Many seniors suffer from feelings of isolation, which can contribute to depression. Families are now more geographically diverse, and a senior’s children and grandchildren may not live nearby. In such cases, it’s easy for seniors to grow lonely and feel isolated from their communities. Inviting seniors over for a weekly dinner or to backyard social gatherings can help them maintain a connection to their communities and reduce their feelings of isolation. Extending such invitations also
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LIVING SENIOR • WINTER/SPRING 2019
Men and women looking to give back to their communities can do so in various ways. Some might coach youth sports teams, while others might organize food and clothing drives for the less fortunate. Giving back to seniors in your town or city is another way to strengthen your community. Many seniors maintain their independence long past retirement age, but some may need a helping hand as they get older. The following are a handful of ways you can improve the quality of life of seniors in your community.
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a CONTINUED FROM PAGE 5 provides a great way for parents to instill in their children a respect for and appreciation of the elderly.
Arrange transportation Many seniors stop driving when they realize their skills behind the wheel have diminished. But even though they may relinquish their drivers’ licenses, seniors still need to keep their doctor’s appointments and get out of the house. Speak with your neighbors who also want to help seniors to arrange transportation for those who can no longer get themselves around town. Explain to seniors’ physicians when you or your neighbors are most available to get seniors to their appointments. In addition, offer to drive seniors to the grocery store when making your own shopping trips. Many seniors made valuable contributions to the communities they call home. And those communities can give back by helping seniors overcome the demands of aging. (METRO CREATIVE)
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STOCK PHOTO Living Senior
Caring for grandchildren is a life-changing event that’s happening to more and more retirees. Although it can be fulfilling, it also requires a lot of energy and commitment. But
grandparents needn’t go it alone, as there are numerous resources available to seniors who suddenly find themselves raising their grandchildren.
Tips for grandparents helping to raise children Although being raised by grandparents may not be the ideal situation for all parties involved, such situations are a necessity for many families. Seniors who are once again thrown into the caregiver arena may need a crash course in childcare or a few pointers on parenting in the modern age.
Get the right equipment Children certainly require a lot of gear, more than grandparents likely used when raising their own children. Certain safety requirements are in place to safeguard young children, and that often means investing in new cribs, car seats, high chairs, and other items. Grandparents should resist the temptation to use old items they may have kept in storage, as such items may no longer be safe and could put grandchildren at risk for injury.
Gather important documents
Grandparents should keep pertinent documents in one easily accessible place in their homes should an emergency arise. These include birth certificates, health immunization records, death certificates (if the child’s parents are deceased), dental records, school papers, citizenship papers, and proof of income and assets.
Speak with an attorney Lawyers can help grandparents wade through legal arrangements, such as filing for custody, guardianship or adoption. Options vary depending on where petitioners live, but lawyers can provide peace of mind to grandparents concerned
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LIVING SENIOR • WINTER/SPRING 2019
As retirement age approaches, many older adults envision themselves downsizing and moving to a quaint community to enjoy their golden years in as relaxing a fashion as possible. However, for a growing number of seniors, their retirement years are being spent helping to raise grandchildren. United States Census data from 2010 indicates 4.9 million American children are being raised solely by their grandparents. CanGrads, a National Kinship Support organization, says approximately 62,500 children are being raised by grandparents and other family in Canada. Many grandparents provide part-time care when their older children have to move back home with their families, as roughly 13 million children are now living in homes with their grandparents.
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a CONTINUED FROM PAGE 7 about their grandkids’ futures.
Investigate financial assistance Seniors may not earn the income they once did and may be on assistance programs or living off of retirement savings. Grandparents who find themselves caring for a child may be eligible for financial assistance. The Temporary Assistance for Needy Families is a joint federal and state program that can provide need-based financial assistance. The AARP or the organization GrandFamilies may be able to put grandparents in touch with financial advisors in their areas.
Contact schools and daycare centers
LIVING SENIOR • WINTER/SPRING 2019
School-aged children will need to be enrolled in school. Grandparents should contact the department of education where they live to learn about local school systems, especially when grandkids are moving in with their grandparents. Some grandparents can qualify for free or lowcost daycare, and such programs can be discussed with local Social Services offices. Enrollment in school or daycare can provide grandparents with much-
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valleys of this new and unexpected stage in life. Church- or community center-based counseling services may be available. Grandparents also can check with their healthcare providers to determine if counseling or therapy sessions are covered under their plans. (METRO CREATIVE)
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Fight the flu with these strategies Influenza can rear its head any time of the year, but is known to be a particularly bad thorn in one’s side during times of year when the weather is cold. According to WebMD, anywhere from 5 to 20 percent of the population will get the flu in an average year and it can take three to seven days for a regular case of the illness to go away, with some effects lingering for up to two weeks. No one wants to get the flu, which is marked by fever, aches and pains, congestion, fatigue, and other symptoms. As a result, people do all they can to help prevent the flu – or at the very least shorten its duration. The best way to stave off the flu is to get a flu vaccination each year. The Centers for Disease Control and Prevention says the vaccine is carefully curated to treat against the flu strains that research suggests will be the most common each flu season. Getting vaccinated by the end of October is recommended. Steer clear of sick individuals and make a concerted effort to avoid germs and the
spread of germs. Diligently washing hands and avoiding touching your nose, eyes and mouth can help you avoid and spread germs. In addition, repeatedly clean and disinfect surfaces that may be contaminated with the flu virus. You might want to consider prophylactic treatment with an antiviral medication. In 2000, the U.S. Food and Drug Administration approved the use of oseltamivir phosphate, which is known by the brand name Tamiflu, as a flu preventative. However, many people only reach for the drug when symptoms already have set in. Instead, it can be especially helpful in preventing the flu when someone in the household has already contracted the illness. The results of several clinical studies show that Tamiflu, when taken once daily, is up to 92 percent effective in preventing influenza illness in adolescents, adults and the elderly. Drink plenty of liquids during flu season to keep the body well hydrated so the immune system can be in top form. Fruit
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Many unaware of dangers of influenza
During the 2017-18 influenza season, nearly 80,000 people died and more than 950,000 people were hospitalized due to flu and flu-related illnesses, and less than four in 10 United States adults (37.1 percent) were vaccinated against flu, fewer than in previous years, according to the Centers for Disease Control and Prevention. While those who are vaccinated may still get the flu, the vaccine helps prevent serious complications that may result in hospitalization, loss of independence or even death. It is particularly important for people with certain chronic health conditions like heart disease, diabetes and lung disease to receive an annual flu vaccine, as they are at higher risk for flu-related complications. In fact, 92 percent of
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LIVING SENIOR • WINTER/SPRING 2019
STOCK PHOTO Living Senior
The flu can quickly escalate and cause serious symptoms. Prevention and early treatment are essential during cold and flu season.
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a DANGERS FROM PAGE 9 those hospitalized for flu during the 20172018 season had an underlying medical condition that put them at risk for serious flu-related complications. In July 2018, the National Foundation for Infectious Diseases convened leading medical experts from nearly 20 national healthcare organizations to raise awareness of the dangers of flu among U.S. adults with certain chronic health conditions including heart disease, lung disease and diabetes, and the need for increased flu vaccination rates among at-risk adults. “It is essential for everyone age 6 months and older to receive an annual flu vaccine,” said NFID Medical Director William Schaffner, M.D. “For people with conditions like heart disease, diabetes or lung disease, it is an important part of managing their condition, like taking a statin, checking their glucose or using an inhaler.” Surprisingly, there is low awareness of the connection between chronic health conditions and serious flu-related complications. A new survey from NFID revealed that: • Less than a quarter of U.S. adults recognize that people with heart disease (24 percent) and diabetes (22 percent) are at greater risk for flu-related complications, and awareness is significantly less for
people of color than white respondents. • Less than 20 percent of U.S. adults are aware that heart attack (16 percent), worsening of diabetes (16 percent), stroke (13 percent) and disability (10 percent) can occur as potential complications of flu. The dangers are real. Research shows
a FIGHT THE FLU FROM PAGE 9
juices, water, broth-based soups, and sports drinks can help keep the respiratory system from forming thick mucus that can become laden with bacteria. Should a fever set in, fluids help prevent dehydration. It also can be wise to take zinc supplements during cold and flu season.
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that individuals with heart disease are up to 10 times more likely to have a heart attack within three days of flu infection and people with diabetes are at six times increased risk of flu-related hospitalization. For more information, visit www.nfid. (BPT) org/flu-chronic-health-conditions.
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STOCK PHOTO Living Senior
Becoming an empty nester is surprisingly empowering, and can be a period of positive growth for you. Instill new
routines and experiences in your life, stay connected to your kids, and the rest will surely follow.
Suddenly, the kids are all grown up and ready to flee the nest. It’s the start of a new chapter – for them, and for mom and dad, too. While this sudden change in family dynamic is bound to bring a mix of bittersweet emotions, there are plenty of ways to embrace the shift. An empty nest certainly doesn’t mean an empty life. Raising a family reaps many rewards and any parent knows that family time revolves around the children’s wants and needs well into their teenage years. While in the thick of it, the prospect of a quiet, relaxing weekend with no parental responsibilities and the very concept of self-care can seem farfetched. But now with the kids leaving home, it’s time to make the most of your new foot-loose and fancy-free lifestyle.
Make more ‘me time’ Now that you have more time to do things that bring you joy, it’s time
rediscover who you are – whether that’s through traveling the world, learning a new skill or language, taking a yoga class, volunteering or simply doing more of what makes you feel good. The newfound time in your day is an opportunity to discover new hobbies and build a social life that is entirely your own.
Stay connected Just because the kids have left home doesn’t mean you can’t stay connected. In fact, you may find yourself on the other end of the phone giving dating advice or having more meaningful life chats than ever before. Family group text threads can replace dinner table conversations, so do make sure you stay up-to-date with technology to keep the entire family connected. Choose a phone plan that lets you talk, video chat or text with your kids as much as you want, when you want, such as T-Mobile
ONE Unlimited 55+, which gives you two lines for just $35 per line with no surprise fees or taxes. A super affordable option designed just for customers 55 and older, it includes unlimited talk, text and data, inflight texting, one hour of Gogo Wi-Fi on domestic flights, and texting and data when you travel abroad in 210 destinations. And what’s more, all the money you save on your phone plan can go straight into the self-care fund or to finance your next “adults only” fancy vacation. Win win.
Find a furry friend If you’re an animal lover, adopt a new pet, train a friend’s dog, pet-sit, or become a foster pet-parent. This time, you won’t be getting a pet just for the kids. Animals have a magical ability to lift the spirit and fill the void left from caring for your little ones for so many years. (STATEPOINT)
LIVING SENIOR • WINTER/SPRING 2019
Make your empty nest an empowering new chapter
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AM I CRAZY?
Attention: Local Area Home Owners to get Opportunity of the Year…
I’m Offering My Frustrated Contractor “Giving Away” $2,673 $ 189 isFurnaces FURNACE-SUPER-TUNE-UP for $941 with $ Air… Off-Season Central for
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King of Comfort to pay at any other time. Let me explain. Every year, the months of January, February, I make a spectacular offer these you I must be crazy! When temperature March and April canthe “Kill” my business.Right! I end up losingyou a ton of money during can’t refuse andmonths win youtoasmake a new for eight upclient for them. drops, I “Killer” can getmonths pretty and busy.it can So, take why me am the I remaining I’malooking the same on thingmy to happen life. this year. offering And such drasticfordiscount My Problem YourtoOpportunity my offer. Super-Tune-Ups? It’s very simple. I want IsBack decided to give to make the “killer”includes months.aIfpainstakI can only My during Super-Tune-Up you as aI’ve client for life! So,upI trying call this my a profit minimize my losses during January, February, March andexamination April I will come out ahead ing and thorough of more than INVESTMENT IN YOU! in the other eight months. Here’s how this (admittedly daring) offer came about. Every I know that I run the tightest service 44 potential problem areas in your furnace. year, the big manufacturers of air conditioners have to guess how many to build to I willexactly inspect, adjust, *clean and have with your companymeet in the business.Of Icourse, belongthey’re to a never the demand. right. So, they always some permission and Irepair I find Nationalinventory Organization of highly motivated they must hold over until the next summerclear season. went toanything one of my diswrong. When I have finished and if anyand technically competent heating and air tributors and they allocated 44 premier air conditioners and furnaces. And, because thing was repaired, I will present you with a conditioning contractors. We are profesof the quantity and time of year, I was able to buy them at drastically reduced, dirt written guarantee that your FIXED sionally cheap, and continually trained in the skills out-of-season prices. They are brand new 2018 models. And system they areisNOT the seconds “blems”replacement or standard and “builder”RIGHT models. are factory-fresh, air OR They IT’S FREE™! And if Ipremier have to of service, repair,orsystem and business furnaces and have a full factory warranty. come back during this season because All-Star conditioners Team Building manageHow You Can Get Furnace Forworking, Peanuts yourAsystem is not my service is ment and marketingHere’s systems. putting thismy furnace and airproud conditioner package together (then “Jaw-Boning” the FREE! I am By serious about profession; distributor) and committing to a do-or-die purchase agreement of these systems, was This is a $189 value for only $89 Iand of my entire staff; and completely dedicatable to buy both the furnace and the air conditioner for less than anyone should have a it’s limited to first-come, first-served ed to each and every one of my clients… right to pay! So, if you buy one of these normal new, premier air conditioners, I am “givcallers. Don’ttomiss this furnace opportunity to new anding” old.you the furnace and all I ask for is the $941 it costs have your installed. meetHow the Best In The Business! Now, how am I going to prove all this toHere’s Coil and cleaning is an additional charge. you if I can’t getme your Just call at attention? 262-248-2103 anytime. We will come* out measure your home (and determine the availability of the proper size). Don’t forget, I only have a limited amount of matched systems. When they are gone, this remarkable offer ends also. I will show you the real world price on the air conditioner that fits your home. Then, I will show you the substantial savings now. And it willwww.masterserviceslg.com include all labor and installation materials. Nothing is left out. The Concept Is Simple Really Good Youryou By letting you win big now, I will win at the“We’re end of the The year. I’m bettingGuys that if I make an offer that is “irresistible” (at least it should be if your furnace or air conditioner is over Friends Told You About”™ 10 years old) and I barely mark it up above the price I paid, willAllaccomplish ©2000 AirTimeI 500 Rights Reserved two things: 1. I will cover my rent, utilities, insurance and taxes in the “killer” months. 2. I can pay my professional staff and technicians to work instead of paying them to sit at home. If I can accomplish these two objectives, I will minimize my losses and the rest of the year, I can be a winner. No Obligation Even after I completely explain the installation, there is absolutely no obligation. If you decide you don’t want to take advantage of the spectacular savings… that’s okay. I will give you a surprise gift worth $60 because you are kind enough to read this ad and give me a chance to solve my problem. I want you to think well of Master Services Plumbing, Heating & Cooling, even if you don’t buy. You Can Buy With NO Cash You don’t even have to pay me right away. I have set up a bank rate financing plan. Consider this. If you decide to make monthly investments instead of paying cash, the entire amount of your payments might be more than offset by the savings of your utility bills. It’s like “having your cake and eating it too”. Ironclad Guarantee I’m so confident that you will save at least 25% on your cooling and heating bills (I’m projecting more like 35% +), that I will pay you Double The Difference for two years if you don’t! I’ll show you exactly how this works. There is no way you can lose. Your lower utility bills will help you save big. And I will even double your savings if you save less than 25%. If these premier systems were not among the best on the market, I couldn’t afford to make such a promise. Why This Offer Can’t Last You must act before April 15th. Here are two reasons why. 1. I only have a limited amount of pieces of equipment. When all of the air conditioners are sold and all the furnaces are “given” away, that’s it. There are no more at this price. 2. If I have any of these systems that are left on April 15th (although I doubt I will), this offer still ends. Here’s why. The only reason I am making this virtually no-profit (for me) offer is because of the “killer months”. My business always picks up about May first. Since these furnaces cost me so little, I can sell them at 2019 prices next November and December and still come out ahead. Give me a call now at 262-248-2103 and I will set an appointment for your no-obligation survey.
LIVING SENIOR • WINTER/SPRING 2019
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One surprising way to prevent fractures Loss of balance, dehydration, attention deficits and loss of cognition are symptoms of hyponatremia, a condition characterized by low salt levels in the blood. The symptoms can occur with just slight hyponatremia and can have particularly harmful effects for the elderly as the condition is difficult to diagnose. A study presented at an American Society of Nephrology meeting suggests that low-salt diets may be a contributing factor. Falls are one of the most serious problems for the elderly and about a third of people over 65 fall at least once every year. Fall-related injuries in the elderly are associated with numerous psychological and physical consequences and are a leading cause of bone breakage and hip fractures, which can lead to complications and permanent disability or death. Falls account for nearly half of all injury-related deaths for senior citizens. Mild Hyponatremia as a Risk Factor for Fractures: The Rotterdam Study, followed more than 5,000 Dutch adults over the age of 55 for a six-year period. The researchers found that 8 percent of the participants were in assisted living facilities and all the people in this group were suffering from mild hyponatremia. Follow-up visits revealed that they had higher rates of diabetes and falls than those with normal levels of salt in their system. Seniors in assisted living centers are routinely placed on low-salt diets, often without an individual assessment, according to a report published by the Pioneer Network titled “New Dining Practice Standards.” This report was the product of a task force of 12 professional medical, nursing and nutritional organizations. They concluded that low-salt diets were contributing to malnutrition and weight loss among a significant percentage of seniors in assisted living facilities. According to Dr. Ewout J. Hoorn, PhD, Erasmus Medical Center, Rotterdam, the Netherlands, “Although the complications of hyponatremia are well-recognized in hospitalized patients, this is one of the first studies to show that mild hyponatremia also has important complications in the general population.” He added, “Screening for a low sodium concentration in the blood, and treating it when present, may be a new strategy to prevent fractures.” Americans are now living longer than ever before. In fact, one of the fastest-growing segments is people over the age of 85 who will represent 20 percent of the population by the year 2040. These elderly Americans deserve to be able to enjoy a high quality of life, and while some seniors do need a low-salt diet, many others may not. Without an individual medical assessment, it should not be assumed that all seniors will benefit from this intervention. (BPT)
10 early signs of Alzheimer’s disease Change plays a big role in the aging process. As adults age, both their minds and bodies undergo changes. The changes associated with aging are not uniform. Some people may experience small changes as they inch toward and ultimately pass retirement age, while others may undergo changes that affect nearly every aspect of their lives. Cognitive decline is the type of age-related change that can have a dramatic impact on a person’s life, affecting his or her ability to live independently. A general term used to describe symptoms associated with a decline in memory or thinking skills such as judgment and reasoning, dementia is often mistaken as a normal part of aging. However, the Alzheimer’s Foundation of America notes that dementia-related illnesses, including Alzheimer’s disease, are not a normal part of aging.
Because many people associate memory loss with aging, they may be compelled to accept some of the early signs and symptoms of Alzheimer’s as mere byproducts of growing older. However, the Alzheimer’s Association urges men and women to report any of these 10 early signs and symptoms of Alzheimer’s to their physicians the moment they’re noticed. Family members who notice these signs in their relatives also should report them to their loved ones’ physicians. 1. MEMORY LOSS THAT DISRUPTS DAILY LIFE: Examples of this symptom include forgetting recently learned information; forgetting important dates and events; and asking for the same information over and over.
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Did you know? Alzheimer’s disease, the most common form of dementia, is often mistaken as something that only affects aging men and women. While the Alzheimer’s Association notes that age is the biggest risk factor for Alzheimer’s, the group also warns that even men and women nowhere close to retirement age can develop the disease. In fact, the Alzheimer’s Association reports that, in the United States alone, roughly 200,000 people under the age of 65 have early-onset Alzheimer’s disease. According to the Alzheimer’s Association, many people with early-onset are in their 40s and 50s. Recognizing that Alzheimer’s is not just for retirees but capable of affecting younger men and women with families and careers is important, as the Alzheimer’s Association points out that healthcare providers typically do not look for signs or symptoms of Alzheimer’s in young people. In such people, symptoms of Alzheimer’s may be incorrectly attributed to stress.
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Adults who suspect they might be suffering from early-onset Alzheimer’s should have a comprehensive medical evaluation, which may include a neurological exam and/or brain imaging, conducted by a physician who specializes in Alzheimer’s disease.
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2. CHALLENGES IN PLANNING OR SOLVING PROBLEMS: Someone exhibiting this symptom may have trouble following a recipe or paying monthly bills. 3. DIFFICULTY COMPLETING FAMILIAR TASKS AT HOME AT WORK OR AT LEISURE: Forgetting the rules of a favorite game or experiencing trouble driving to a familiar location are some examples of this symptom. 4. CONFUSION WITH TIME OR PLACE: People with Alzheimer’s lose track of dates, seasons and the passage of time. 5. TROUBLE UNDERSTANDING VISUAL IMAGES AND SPATIAL RELATIONSHIPS: Some people with Alzheimer’s have difficulty reading, judging distance and determining color or contrast.
things in unusual places and then cannot retrace their steps to find those things.
6. NEW PROBLEMS WITH WORDS IN SPEAKING OR WRITING: Difficulty joining or continuing a conversation and calling things by the wrong name are some examples of this symptom.
8. DECREASED OR POOR JUDGMENT: Poor judgment and decision-making often affects people with Alzheimer’s.
7. MISPLACING THINGS AND LOSING THE ABILITY TO RETRACE STEPS: People with Alzheimer’s sometimes put
9. WITHDRAWAL FROM WORK OR SOCIAL ACTIVITIES: People with this symptom may begin to withdraw
from favorite activities or avoid being social because of the changes they’re experiencing. 10. CHANGES IN MOOD AND PERSONALITY: Mood changes affect people with Alzheimer’s, who may become confused, suspicious, depressed, fearful, or anxious. Learn more about Alzheimer’s disease at www.alz.org. (METRO CREATIVE)
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Aging brings about many changes, including some that may compromise seniors’ ability to remain independent. In such instances, many families consider assisted living facilities for their aging relatives. More than 835,000 Americans currently reside in assisted living communities, according to the National Center for Assisted Living. While communities and homes provide various services, one service in particular may be needed for seniors with Alzheimer’s disease, other dementias or memory problems. Memory care units are separate facilities that cater to people with dementia or other memory issues. According to the senior residence referral and resource guide A Place for Mom, memory care is a distinct form of long-term skilled nursing. Also called special care units, memory care facilities provide 24-hour supervised care for individuals. This care is often carried out in a separate wing or floor of a residential facility or community. Memory care facilities aim to provide a safe and secure environment for residents. This means limiting entry or egress to other areas of the facility for those who may have trouble navigating and remembering where they started out. The Alzheimer’s Association notes that six in 10 people with dementia will wander and become disoriented. This is dangerous for the individual and others. Memory care units often have alarms and “wander guard” precautions in place to make sure residents cannot roam unsupervised and risk injury. Another goal of memory care is to provide a stress-free, structured lifestyle that has set schedules and routines, states Brookdale Senior Living. This can help keep distress minimal and make for more comfortable and happy residents. In addition, memory care units offer programs that help slow the progression of dementias and cultivate cognitive skills. Fitness exercises, games, specialty food programs, activities, and much more may be offered to make residents more comfortable. Memory care facilities include common spaces for socialization, meals and activities. “Alzheimer’s patients must maintain their activity, walking, interacting with music, and art,” says Lory Bright-Long, MD, CMD, of the American Medical Directors Association. “We have to awaken the senses so that the memory can have a hook. This is accomplished in the memory care setting.” For more information, visit APlaceForMom.com. (METRO CREATIVE)
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It is important for those considering assisted living and nursing home facilities to inquire about specific memory care units if a loved one requires this environment.
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Memory care is a component of assisted living
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Pros and cons to early retirement A lifetime of working compels many people to look forward to their retirement. Some people even work to retire early. But what are the advantages of early retirement beyond starting a life of leisure? And are there any detriments to this plan? A 2014 survey by the financial services provider TIAA-CREF found that 37 percent of Americans plan to retire before age 65. However, many of them will not have control over the matter. Those who do may want to consider the pros and cons of early retirement.
Advantages Many people seek early retirement so that they can live a life free of the constraints of schedules. In retirement, time becomes, more or less, a retiree’s own. Leaving a job can be a boon to a person’s health as well. Relieving oneself of the pressures and stresses of professional life can free up the mind and body. Stress can affect mental and physical health, taxing the heart and contributing to conditions such as depression or anxiety. According to the Mayo Clinic, stress can cause headache, muscle and chest pain and contribute to trouble sleeping. The earlier the retirement, the more opportunity to travel before health issues begin to limit mobility. Early retirement also can be a way to volunteer more or even start a new job opportunity – one where workers have greater control over their schedules and careers.
Disadvantages
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One of the disadvantages of early retirement is a loss of income. Contributions to retirement accounts also ceases at retirement. This can lead to financial setbacks if adequate savings were not allocated for retirement. According to the resource Wealth How, some people
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Retiring early is a complex issue that requires weighing the pros and cons.
who retire early fear outliving their savings. While retiring early may be good for health, it also can have negative consequences. An analysis from the National Bureau of Economic Research found that retirement can lead to declines in mental health and mobility as well as feelings of isolation. Retiring early may
jump start these health implications. Another consideration is that health insurance provided by an employer typically ends at retirement. That means having to pay out of pocket until a person ages into government-subsidized healthcare, such as Medicare in the United States, at age 65. (METRO CREATIVE)
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The answer you get to this question will depend on who you ask. The amount households have accumulated for retirement is not hotly debated, but the amount needed in retirement is. The Investment Company Institute is working to make sure that everyone has the facts through its new website – FactsOnRetirement.org. Much of the academic research and the ICI’s analysis of the retirement data indicate that most Americans are properly preparing for retirement, and with some very small changes, the retirement system can be even stronger. It might surprise you to know that Americans have accumulated seven times more retirement resources per household today than we had just over four decades ago – after accounting for inflation. As a nation, we’ve gone from $500 billion in defined benefit plans, defined contribution plans, individual retirement accounts and annuities in 1975, to nearly $30 trillion today. Those assets are widely spread too – eight in 10 near-retiree households have retirement resources, and
retired Americans are more likely to get income from a retirement plan today than they were in the 1970s. IRAs, 401(k) plans, and other DC plans account for a large portion of the increase in retirement assets. Americans have now amassed $17 trillion in hard assets in these accounts. Combined with Social Security, resources from employer-sponsored plans and IRAs are helping retirees keep up their standards of living. At FactsOnRetirement. org, ICI points to a groundbreaking analysis of tax data that shows most workers transitioning into retirement maintained or even increased their spendable income after claiming Social Security. We often hear that the decline of the traditional DB plan has driven seniors into dire straits – but that’s not true. Remember, those traditional pensions are designed to reward workers who stay for decades with the same company and end their careers at that company. Other workers may receive little or no retirement income from these plans. With 401(k) style plans, benefits accrue
more evenly over a worker’s career and continue to grow as a worker moves from job to job – which makes them particularly well suited to America’s mobile workforce. The research shows that IRAs, 401(k)s, and similar plans can provide the resources workers need to live comfortably throughout their golden years. That’s one reason nearly eight out of 10 U.S. households have confidence these plans will help people reach financial security in retirement. In general, our retirement system works, but it can be even better if policymakers work to build on its strengths. ICI recommends putting Social Security on a secure financial footing for future generations, making it easier for employers to offer retirement plans, and encouraging innovative features like auto-enrollment to help more workers save. But as a first step, every American needs the facts. You can get them – along with tips to make sure your own savings are on the right track – at www. FactsOnRetirement.org.
While research shows most Americans are properly preparing for retirement, there are steps people can take to make their golden years more secure. STOCK PHOTO Living Senior
(BPT)
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Are Americans saving enough for retirement?
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Simple ways to save more for retirement
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It’s never too early to begin saving for retirement. While millions of people have no doubt heard or read those very words before, surveys indicate that few people are taking that lesson to heart. A 2018 survey from Bankrate.com found that 20 percent of Americans don’t save any of their annual income. Things aren’t necessarily rosier in Canada, where the financial institution CIBC reports that 32 percent of people nearing or on the cusp of retiring have nothing saved for retirement. Saving for retirement can seem impossible in households where every dollar counts. But the following are four simple ways to save more for retirement without making dramatic lifestyle changes.
Turn raises into savings According to the WorldatWork 20182019 Salary Budget Survey: Top Level Results, salary budgets in the United States are projected to rise by an average of 3.2 percent in 2019, while those in Canada are
expected to rise by 3 percent. Working professionals can save more for retirement by converting some or all their raises into retirement savings. Pretax retirement accounts allow working professionals to put aside money before taxes are paid, so weekly paychecks will not be greatly affected if you choose to increase the percentage of your income you deposit into such accounts. Do this each time you receive a raise and your retirement savings will grow considerably.
for retirement. Contribution rates can then be returned to normal the following pay period.
Put bonuses to work
Working professionals accustomed to receiving tax returns can use that money to catch up on their retirement savings. Rather than spending tax returns or depositing them into traditional savings accounts, reinvest them into a retirement account. Speak with a financial planner to help you figure out how to accomplish this goal. Even if it requires opening a new account, the long-term benefits on reinvesting returns are substantial.
Professionals who receive bonuses can speak to their employer and request that their retirement contribution rates be increased when bonuses are issued. Many 401(k) retirement plans allow workers to contribute as much as 80 percent of their paychecks. While that’s not sustainable for most people every pay period, increasing your contribution rate dramatically when your bonus is issued is a great way to save more
Downsize your home Empty nesters nearing retirement age may benefit by downsizing their homes. Doing so can reduce utility bills, property taxes and other expenses, and those savings can then be redirected into retirement accounts.
Reinvest tax returns
Saving for retirement is important, and it’s never too late or too early to start setting aside more money for your golden years. STOCK PHOTO Living Senior
(METRO CREATIVE)