Generations - Spring 2019

Page 1

SPRING 2019

e l ty s e f i l s s e l e g a t, n For a vibra

PROS AND CONS

of early retirement

TRAVEL

smart

Stay in you home LONGER An Echo Press publication


8 tips 1

for eating healthy & staying fit

Base your meals on higher fiber starchy carbohydrates

3

2 Eat more fish, including a portion of oily fish

4 5

Eat lots of fruit and vegetables

Eat less salt: no more than 6g a day for adults

7

Do not get thirsty

Cut down on saturated fat and sugar

6 8

Get active and be a healthy weight

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SPRING

GENERATIONS

5 HEALTH & WELLNESS

9 What is lymphedema 10 Aging and memory loss 13 Home security tips for seniors 20 When an aging loved one is moving in

FINANCE

7 Financial tips for Alzheimer’s caregivers

26 3 tips for tackling debt as a senior EDUCATION

16 Ageism: seven ways to combat discrimination

HOME

30

Stay in your home longer with modifications

22 Natural solutions for going gray

30

Home modifications can look good while being functional

with style

23 Prepare for natural disasters 27 Guarding against malnutrition 28 Functional fitness training RETIREMENT

8 Smart ways to embrace retirement 26 The pros and cons of early retirement

4 | GENERATIONS • Spring 2019

for a vibrant, ageless lifestyle

30

20 Lip reading: a valuable skill 21 3 benefits of owning a pet as you age

2019

18 COMMUNITY

12 A place to go for the day 18 Handicraft Support Group: crafting for a cause

24 Summer fun for seniors RESOURCES

25 Douglas County Senior Services 19 Resources for Minnesotans 29 Alexandria Senior Center is there for you

TRAVEL

5 Travel smart 6 How to travel with limited mobility TECHNOLOGY

8 Online dating tips for seniors 14 Cyber security for seniors 15 Using the internet

FEATURE

12 A place to go for the day


Travel SMART By Collin Stumpf Glenwood State Bank

The scent of freshly mowed grass, waves lapping against the shore, and colors filling the evening sky as the sun sets. After a long winter, summer is finally upon us! Every year the summer months bring a new set of activities to keep us busy while the weather is warm. Maybe it’s tending to the garden or finally getting around to repainting the front door. For many of us, summer is a time to travel new and old destinations. Travel may be a time to forget about your life at home, but it’s a great time to utilize all the wonderful features your financial institution offers to ensure your finances are secure while you travel. Here are some useful tips to keep in mind next time you pack your bags:

1. Notify your financial institution. Before you hit the road, be sure to inform your financial institution of your travels. Doing so will allow them to keep an eye on your finances while you are away, and to ensure the continued use of your debit card in uncommon areas. 2. Use a travel card. A travel card is capable of being issued through your financial institution, for a small fee, to provide worry-free spending while traveling. What makes a travel card different than your debit card? A travel card can’t be tracked back to your personal accounts, and you control how much money is on the card. If you need additional funds, you can transfer money from your personal accounts onto the card. Keeping a low balance on the card mitigates your risk, in case the card is lost or stolen.

3. Review your finances. When possible, review and confirm your spending history while on the road. This is a great way to ensure none of your financial information has been compromised while traveling. Some great ways to do this are to utilize mobile or online banking. If you don’t have either of those, simply call your financial institution to inquire about your account! 4. Utilize mobile banking. If you’re one who stays some-

where for an extended period of time, you might benefit from mobile banking. Mobile banking allows you to manage your accounts while you’re away from home. It also provides the ability to deposit checks from your phone, even from miles away! Be sure to talk your bank to see if mobile banking is right for you! Collin Stumpf is a Marketing Intern at Glenwood State Bank

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How to travel with

LIMITED MOBILITY Many people dream of traveling the world in retirement. Such dreams come true every day. But many more retirees or people nearing retirement fear that their dreams of seeing the world won’t be possible due to mobility issues beyond their control. Thankfully, such fears are largely unwarranted. Various conditions can affect people’s mobility. Conditions such as rheumatoid arthritis; chronic obstructive pulmonary disease, or COPD; and heart disease may make it hard for people to travel. Though it might require a little extra effort, here are a handful of ways that aging men and women with limited mobility can reap the rewards of traveling. •Contact security agencies. Security is part of modern travel, so travelers, especially

those traveling by air, should expect to go through security checkpoints during their trips. Travelers with limited mobility should contact the security agencies in their home country as well as those in any country they plan to visit to get an idea of what they can expect. Knowing these guidelines in advance can help people with limited mobility determine if they should arrive extra early so they can make it through security checkpoints in time to make their flights or trains. •Contact airlines or other transportation companies if you require special accommodations. The U.S. Department of Transportation notes that passengers are generally not required to provide advanced notice for disability-related accommodations, but it makes sense to do so.

By doing so, people with limited mobility can ensure they will have adequate assistance during their trips. When made aware of passengers’ mobility issues, airlines or other travel companies may arrange for wheelchairs to be available at the gates or train platforms so passengers can easily make connecting flights and trains. In addition, advance notice gives companies a chance to provide seating accommodations that can make for a more enjoyable trip.

•Contact hotels directly. Each country has its own laws regarding how to accommodate people with physical disabilities or mobility issues, so don’t leave things to chance. Before booking a hotel room abroad, travelers with limited mobility should contact the hotel directly to confirm that it can accommodate their needs. Men and women with limited mobility can still enjoy the wonders of travel, even if it requires some extra effort before embarking on their trips.

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Financial tips for Alzheimer’s caregivers Here are some general suggestions that may be useful to If you are, or will be, a care- you in your role as caregiver: • Consult with family memgiver for elderly parents or another close family member bers and close friends. It’s living with Alzheimer’s dis- extremely hard to be a solo ease, you may experience some caregiver. By consulting with emotional stress – but you also other family members or close need to be aware of the finan- friends, you may find that cial issues involved and what some of them have the time actions you can take to help and ability to help. • Consider obtaining duraaddress them. You will find few “off the ble power of attorney. If you rack” solutions for dealing with possess a durable power of the financial challenges associ- attorney for finances, you can ated with Alzheimer’s. For one make financial decisions for thing, family situations can the person with Alzheimer’s vary greatly, both in terms of when he or she is no longer the financial resources avail- able. With this authority, you able and in the availability and can help the individual living capabilities of potential care- with the disease – and your givers. Furthermore, depend- entire family – avoid court acing on the stage of the disease, tions that can take away conpeople living with Alzheimer’s trol of financial affairs. And may have a range of cognitive on a short-term basis, having of attorney can abilities, will affect the durable power 3.5”which x 2.5” | Maximum Font Size: help you take additional steps level of care needed.

if needed. You’ll find it much easier to acquire durable power of attorney when the individual living with Alzheimer’s is still in the early stage of the disease and can willingly and knowingly grant you this authority. • Gather all necessary documents. You’ll be in a better position to help the individual living with Alzheimer’s if you have all the important financial documents – bank statements, insurance policies, wills, Social Security payment information, deeds, etc. – in one place. • Get professional help. You may want to consult with an attorney, who can advise you on establishing appropriate arrangements, such as a living trust, which provides instructions about the estate of the person for whom you’re providing care and names a trustee to hold 30 pttitle to property and funds for the beneficiaries. You

also might want to meet with a financial advisor, who can help identify potential resources and money-saving services. And a tax professional may be able to help you find tax deductions connected to your role as caregiver. Finally, use your experience as a caregiver to remind yourself of the importance of planning for your own needs. For example, a financial professional can suggest ways of preparing for the potentially huge costs of long-term care, such as those arising from an extended stay in a nursing home. Caring for an individual living with Alzheimer’s has its challenges. But by taking the appropriate steps, you can reduce uncertainties – and possibly give yourself and your family members a greater sense of security and control.

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Smart ways to embrace

RETIREMENT Retirement is on the horizon for a significant number of people. Around 10,000 people retire each day in the United States, according to a study by Merrill Lynch and Age Wave, a consultancy studying the cultural and economic impacts of aging. But many soon-tobe retirees are not fully prepared for life after their work life ends. Shedding new light on this next chapter can make retirement something to look forward to even more. HOW RETIRED ARE YOU? Retirement may no longer mean what it once did. Some retirees remove themselves entirely from the active employment market, while others prefer to keep at least one toe in the professional water.

Some retirees change fields and do part-time work. Others may volunteer their time without getting paid. Still, some choose to use retirement as an opportunity to spearhead a new business venture that may not have been possible beforehand. Retirees should reflect on their goals, as well as their finances, and make plans accordingly. DON’T NEGLECT HEALTH CARE Retiring may involve finding health insurance and preparing for other types of health care later in life. The U.S. Census Bureau says that employment-based insurance covered 55.4 percent of the population in 2015, the most recent years for figures, followed by Medicaid (19.5 percent) and Medi-

care (16 percent). Residents of other countries may be covered by government standardized health programs. It pays to know the rules of each plan to avoid unnecessary expenses that can eat into retirement dollars. For those Americans who will be relying solely on Medicare, find a counselor who can spell out the intricacies of the plan, or use the free tool on Medicare.gov. SEE RETIREMENT AS A BEGINNING, NOT AN END Quite often soon-to-be retirees focus on the end of a career or the end of a stage in life without putting enough focus on the possibilities ahead. This is a prime time to find a new social network, travel, join a ministry, and much more.

CHOOSE YOUR LIVING SPACE Retirement can be an opportunity to shed an old skin and try on a new one, especially as it pertains to housing. There are options to downsize for empty-nesters or even to secure resources to ‘age in place.’ According to United Income, a money management service, retirees should try out particular scenarios and locations prior to jumping in. Rent in a particular neighborhood, or house sit and try things on for size. Airbnb and other types of services can make this trial easy. A new outlook on retirement can open up a world of opportunities.

Online dating tips for seniors looking for love If you think online dating is reserved for young people seeking casual encounters, then think again. The internet is a great resource for people of all ages to find love. In fact, more seniors than ever are successfully finding companionship online. If you’d like to give online dating a try, here are some tips to get you started. Use the right site. Sign up for one of the big sites with lots of regular users to increase your chances of meeting someone. Alternatively, use a specialized site to find a person who shares your interests or beliefs. Be honest. It can be tempting to fib about your age, body type or education 8 | GENERATIONS • Spring 2019

to attract other people. Don’t do it. You’re looking for someone who likes you, not a made up version of you. Stay safe. Most people you’ll meet online are normal individuals looking for love. However, there are a few bad eggs. Protect yourself online by creating a separate email address that doesn’t use your full name. If you decide to meet someone in person, make sure your first encounter’s somewhere public, that you tell a friend where you’ll be and that you stay sober. Online dating requires patience. Your perfect match is bound to be out there looking for you too; it just may take some time to find him or her.


What is lymphedema and what can you do? By Andrea Nyberg

MA, OTR/L, CLT

Lymphedema is a condition that is characterized by chronic swelling of an extremity, most commonly in the arm or leg, but can occur in other body regions as well. The affected area may feel heavy or full, and you may experience a decrease in movement. Additional symptoms may include a dull ache or a feeling of tightness in the affected area. Lymphedema can be caused by a surgery that includes: removal of lymph nodes, radiation, trauma, or infection to a lymph node area. There is no cure for lymphedema, but the condition can be managed with early diagnosis, treatment, and care of the affected area. Ways to prevent lymphedema after damage or removal of lymph nodes: •Avoid heavy lifting (including carrying heavy purses) with an affected arm •Drink plenty of fluid, dehydration can worsen lymphedema •Avoid environmental irritants in the affected area, such as insect bites or stings and sunburn •Practice good skin care and hygiene

•Don’t wear tight clothing or jewelry on the affected limb, even the use of blood pressure cuffs on an affected arm should be avoided Lymphedema treatment includes the following: •Evaluation and manual lymphatic drainage techniques completed by a certified Lymphedema Therapist •Compression therapy using medical grade bandages to provide support and prevent fluid build-up •Decongestive exercises to further reduce swelling while compression is in place •Extensive patient education: Patients are instructed on skin care, massage, bandaging, exercises and garment instruction to help manage their lymphedema independently If you have experienced any of these symptoms or notice persistent swelling, make an appointment with your doctor. If you already have the diagnosis of lymphedema, see your doctor if there is a sudden dramatic increase in the size of the involved limb or affected region. Andrea Nyberg is an Occupational Therapist at Alomere Health in Alexandria.

Spring 2019 • GENERATIONS | 9


Aging and

By Crystal Swenson M.S., CCC-SLP

When it comes to memory loss and our aging loved ones, it can sometimes be difficult to decipher normal memory difficulties from a memory problem that may benefit from health care intervention. Typical (normal) memory difficulty may present as trouble recalling people or places that one has met or visited only once or twice. An example would be meeting some-

one new. One introduces herself, but doesn’t have a need to say the name beyond an introduction. Two weeks pass and she meets him again. She recognizes him, but cannot recall his name. This is normal, as people benefit from the combination of hearing, seeing, and speaking to assist with recall of information. Take a calendar for example: If a person writes an appointment down, says it out loud, and reads the information from a planner each time it is opened,

10 | GENERATIONS • Spring 2019

then memory recall increases. If information recall consistently becomes more difficult throughout a single day, atypical memory concerns may be emerging in the early stages. In the early stages of atypical memory loss, one may notice difficulty remembering things that consistently interfere with work and social events. The loved one may need frequent reminders. In addition, your loved one may have trouble with remembering immediate information he/she just read or heard, frequently misplace items, and/ or experience difficulty with planning and organizing. In the moderate stage of memory loss, a person may be observed to have increased difficulty with recall of their address and/or phone number, experience changes in sleep, or demonstrate wandering behavior. Other signs of moderate memory loss include confusion with date and time, difficulty completing sequential tasks such as getting dressed or brushing teeth, and increased agitation and unexpected behaviors. In the severe stage of memory loss, individuals will begin to need consistent care, lose awareness of the environment, struggle with communication skills, and demonstrate reduced physical skills; such as walking, sitting or swallowing. These are the top 10 signs of Alzheimer’s and dementia: 1. Memory loss that disrupts daily life.

2. Challenges in planning or solving problems. 3. Difficulty completing familiar tasks at home, at work or at leisure. 4. Confusion with time or place. 5. Trouble understanding visual images and spatial relationships. 6. New problems with words in speaking or writing. 7. Misplacing things and losing the ability to retrace steps. 8. Decreased or poor judgment. 9. Withdrawal from work or social activities. 10. Changes in mood or personality. See a doctor if you have memory loss concerns about a loved one or about yourself. Your provider will run tests to see if there is another cause for the memory problems you’ve noticed, or may provide a referral to see a Speech-Language Pathologist (SLP). An SLP can test speech, language, and thinking skills. Recommendations regarding memory strategies can be personalized to your needs. The SLP can also look at eating and swallowing functions, if those become a problem. Crystal Swenson is a Speech-Language pathologist at Alomere Health in Alexandria. Sources: Bayles, K et.al. (2001). Seminars in Speech and Language, vol. 22 (4) Alzheimer’s Association. (2010) Alzheimer’s Disease. Retrieved from http://www.alz.org.



Cutline goes here

A place to go for the day Bethany’s Adult Day Services a growing option By Ross Evavold

Contributing writer

As the Adult Day Services coordinator for Bethany on the Lake, Tracie Crouse has made it her mission to give those who use their services plenty to do. There are daily snacks and meals, games, exercise options, music and other activities, which can be tailored to the group of individuals that are on hand on any particular day. And this time of year the patio overlooking Lake Winona is very much in play. “That is our goal for the day, to keep people engaged,” Crouse said. With all that goes on in a six-hour window, one of the most important services

comes not from any organized activity. Rather, it stems from the interaction the older adults receive simply from being with one another. As Douglas County’s only licensed adult day care center, Bethany on the Lake has been fulfilling an important role in the lives of people from the age of 50 on up for a couple of decades. Some have physical disabilities, some may have dementia or chronic illness or other support needs, and others have spouses that work and come for the socialization. “It serves a great need in the community,” said Matt Fischer, Bethany on the Lake’s executive director. The idea behind the service is two-fold. It offers adults who

12 | GENERATIONS • Spring 2019

may need help to stay in their homes an opportunity to get out of the house, and it gives caregivers and others a respite, a break from their many responsibilities. “It’s something that’s really needed, and is going to be more so with (all of) the baby boomers,” said Crouse. They go on at least one community outing a month, most recently to the Legacy of the Lakes museum. An added service is a whirlpool tub that can be used for bathing – some caregivers may no longer be able to help in that respect – or for therapy. “They’re in a safe place here,” said Fischer, noting they are averaging around 15 clients a day and have the capacity to

almost double that. Those who haven’t tried Adult Day Services are encouraged to set up a tour and meeting with Crouse by calling 320-763-2181. The service is available from 9 a.m. to 3 p.m. Monday through Friday, although extended hours can be offered in special circumstances. Advance notice is recommended, however they can accommodate drop-ins from repeat clients. Adult day services is a paid benefit for veterans, and it is also covered by some longterm care insurance plans. Ross Evavold is the editor of the Echo Press newspaper.


Home security tips for seniors Seniors are often targeted by criminals. Though many criminals target seniors from afar via telephone or internet scams, criminals seek to enter seniors’ homes. The Bureau of Justice Statistics offers that, between 2003 and 2013, the ratio of property crime to violent crime was higher for the elderly and persons between the ages of 50 and 64 than it was for younger persons between the ages of 25 and 49. Home security is important for people of all ages, but especially so for seniors and aging individuals living alone. By following certain safety tips and developing a home security plan, seniors can feel safer at home. •Lock windows and doors. It may seem like common sense, but failure to repeatedly lock windows and doors can, and often does, give burglars easy entry into the home.

•Think about a smart doorbell. Technology now enables doorbells to provide a video feed to a person’s smartphone or tablet over WiFi. This allows residents to see who is at the door and speak to this person without having to open the door. Some products like Ring¨ will even register motion activity and record short videos from outside of the house. •Don’t share or leave keys. Avoid leaving keys under a mat or in a flower pot. Others may be watching your actions and gain access to your home while you are away. •Ask for ID. When service people or other individuals come to the door, verify their credentials by asking to see some identification. •Get a home security system. The best protection against burglars is a home security alarm, states HomeSecurityRe-

source.org. Such an alarm often deters burglars from breaking in. •Install a lockable mailbox. Locked mailboxes restrict access to sensitive information, such as bank account numbers, sent in the mail. Make sure retirement checks or other payments are deposited directly into bank accounts instead of having them sent by check. •Use home automation. Home automation, or a ‘smart home,’ can be utilized to turn on lights, set the thermostat, lock doors, and much more. •Adopt a dog. Dogs can be an asset to seniors. Dogs provide companionship and can bark or alert seniors if someone is around or inside of the home. Home security is serious business for seniors who are vulnerable to criminals.

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Cyber security for

SENIORS By Cheryl Graham Contributing writer

Malware, spyware, identity theft, the dark web – with so many digital threats (and buzz words) floating around lately, it’s easy to get nervous about the safety of your personal computer and the personal information stored there. With your personal information at risk, companies inundate us with security solutions and gladly collect a fee for their services. But how do you know if what you’re paying for is protecting you? By knowing how these virtual threats can reach you – and how to stop them. This becomes a

much less daunting task when you start to think about securing your computer & devices using the same fundamental concepts you use to secure your home. The police department protects your neighborhood from big threats. One of the jobs of your internet service provider (ISP) is to provide broad protection against threats by identifying criminals and keeping them out of your neighborhood. Every time you post on social media or check emails, the ISP provides your device a connection to the internet. Most often this connection is provided by your phone, cable, or cellular service com-

pany. Some ISP’s do more than others to protect you, and it is important to know that you have options when it comes to selecting your ISP. The deadbolt protects your home from random visitors. Since even the best police departments can’t weed out every threat, you should lock your doors to prevent strangers from wandering around your house. A firewall does this same thing for your virtual home by locking out any intruders. Look for a router or modem with a builtin firewall to block threats that escape ISP detection. The guard dog attacks anyone that sneaks in. In the

event that the lock is broken or a window left open, a guard dog is priceless. Antivirus software can be your guard dog and isolate a threat in your virtual home. Choosing antivirus software should be simple and low priced and include real-time monitoring as most break-ins happen when you get tricked into clicking on something. Cyber security is complex and everchanging but being armed with an understanding of how it all works can be the best protection you have.

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USING THE INTERNET: Top tips to get you started Do you know how to use the internet? Accessing the digital world allows you read up on current events, connect with friends and family members, play games, watch videos, pay bills and shop from the comfort of your own home. As a senior, you have a lot to gain by being internet-savvy. If you’re keen to get started, here are some tips that will help. CONSIDER A TABLET Research shows that seniors find tablets easier to use than computers, as touch-screens are simpler to navigate. While typing on a touch-screen can be tedious, you can purchase an external keyboard to make writing easier. CUSTOMIZE YOUR SETTINGS There are a number of adjustments you can make on

your device to simplify your online experience. Consider using a high-resolution screen or increasing the size of the text and menu buttons. When you buy a new tablet or computer, get a technician to customize it to your needs and preferences. USE PASSWORDS WISELY Use sufficiently complex passwords that include at least one number and one symbol. Also, be sure to use different passwords for different sites. By doing these things, you’ll keep your information secure. Write down all your passwords and keep them some­where out of sight. USE EDUCATIONAL RESOURCES There are a number of ways to learn about using the internet. You can sign up for local

clas­ ses in your community, borrow or buy books on the subject or consult educational materials online. One great resource is provided via the Goodwill Community Foundation at gcfllearnfree.org. However, there are countless other online learning mate-

rials available, including an array of instructional videos found on youtube.com. One last tip: be patient with yourself. Learning a new skill takes time and practice, but if you persevere, you will succeed.

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Ageism:

Seven ways to combat age discrimination By Joyce McIntosh Douglas County Senior Coordinator

Our age is just a number but when that number is larger than the person we are interacting with, we sometimes experience the frustrating feelings of being treated childlike or having our opinions ignored. You might ask yourself, “What was that all about?” The name for what you encountered is called “ageism”, coined in 1968 by Robert Butler, MD. Signs of ageism: battling the “old geezer” stereotype; assuming all elderly people have memory loss; being yelled at because all elderly are hard of hearing; or not including the elderly in decisions that affect them. The effects are not only that stereotypes are hurtful

to older people; it may even shorten their lives. Psychologist Becca Levy completed a study and found elderly people with positive self-perceptions of aging lived 7.5 years long than those with negative self-perceptions of aging. Levy also found that older adults exposed to positive stereotypes have significantly better memory and balance whereas negative self-perceptions contributed to worse memory and feelings of worthlessness. So, how can the elderly overcome ageism?

1

Speak up. Don’t let yourself be pushed around because you’re older. When at gatherings where there are people of all ages, don’t sit on the sidelines and watch but participate.

16 | GENERATIONS • Spring 2019

2

Engage in the world. Live in the present and look to the future. Show others that you’re aware of what’s going on around you.

3

Be positive. Attitude has a lot to do with how people can overcome ageism. Relish the experience and wisdom that come with age and put them to good use.

4

Be as independent as you can. If you assume that because you’re a certain age, you’re unable to do certain things, you won’t be able to do them.

5

Surround yourself with younger people. Energy comes from being with people who are younger to motivate yourself.

6 7

Volunteer. Join in activities at your church, library, community organizations, etc. Exercise. Go for a walk, do stretches, focusing on physical activity that you enjoy. We frequently hear about racism, sexism and classism in our culture, but we rarely hear about ageism. If you have experienced ageism, you know it’s an uncomfortable feeling. I challenge all elderly to acknowledge it when they experience it and then speak up whether it’s your physician or the grocery clerk and call them out on their actions or comments. “7 Ways to Overcome Ageism” is from www.Everyday Health.com


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HANDICRAFT SUPPORT GROUP Crafting for a cause By Dawn Dailey Douglas County Library Director

Need something to keep you busy? Stuck on a project? Come joint he Handicraft Support Group. Members of the creatively named Handicraft Support Group knitted, crocheted and sewed an amazing assortment of blankets, hats and bags that will be donated this month. Since September of 2018, the group met twice a month at the Douglas County Library. The talented women brought their yarn, their needles and hooks, their fabric and acces-

Douglas County librarian Dawn Dailey displays some of the crafts created by the Handicraft Support Group.

sories to each meeting. Together they created blankets for the Western Minnesota Binky Patrol Chapter, caps for newborns, blankets for dogs and cats in a shelter that participates in the Snuggles program and the very special fidgets for seniors with dementia. “It’s nice to get out and converse with others,” says Lynn Campion. “We also bring our patterns to share and discuss.” The group held its final meeting for the season May 15. Members gathered around tables filled with their beautiful, colorful creations. “We all share a common interest,”

18 | GENERATIONS • Spring 2019

says Kathy Erickson. The core group consists of Campion and Erickson along with Jill Collodora, Wanda Cooley, Sue Pederson, Judith Anderson and Pamela Phillips. They gave a shout out to Librarian Kristin Woizeschke who organized the group. She also made many of the blankets for the animal Snuggles program. She kiddingly says she’s best at that because they do not require expertise at both the knit and purl stitch. I requested the group make what I call ‘fidgets’ for people with dementia. A fidget is a knitted hand muff with accessories and textures appropriate for people with memory loss issues. It keeps their hands and minds occupied and they’re very pretty. I plan on adding a fidget muff to the Memory Loss Resource Center. These individualized kits can be checked out of the library. They are subject-specific kits filled with items for those with dementia and their family members. For example, one of the kits would be for a horse lover. It

has plastic horses, pictures of horses, a book on horses and bags of oats and hay to get the senses going. The group members get a sense of pride for filling a need with the fidgets and their other creations. Campion said, with a smile, “I ran out of relatives!” The Handicraft Support Group will resume meeting in September. Meetings will be the first and third Wednesdays of the month from 10 a.m. to noon at the library. For those who are handy at crafts, there is no better place to share information and conversation. We encourage you to come and join in the fun and meet some great people who share the same interests that you do. There is no commitment on how long you need to stay or how many times you show up. The only commitment we as is that you come and have fun, and enjoy the conversation. With your help, we will be able to donate even more to these great causes in Douglas County.

Douglas County librarian Dawn Dailey displays some of the crafts created by the Handicraft Support Group.


Resources for Minnesotans MINNESOTA BOARD ON AGING The Minnesota Board on Aging is an organization with authority to assist older Minnesotans.

SENIOR LINKAGE LINE Senior Linkage Line is the Minnesota Board on Aging’s statewide information and assistance service. Senior Linkage Line at (800) 333-2433. MINNESOTA DEPARTMENT OF HEALTH The Minnesota Department of Health is the state agency with the authority to license hospitals, nursing homes, assisted living facilities and home health care agencies in Minnesota. Office of Health Facility Complaints P.O. Box 64970 St. Paul, MN 55164-0970 (651) 201-4201 or (800) 369-7994 www.health.state.mn.usexternal link icon MINNESOTA OMBUDSMAN FOR LONG-TERM CARE The Office of the Minnesota Ombudsman for Long-Term Care has authority to investigate complaints concerning nursing home, home care services, hospitals and other long-term care facilities related to the health, safety, welfare, rights and government benefits of people. Office of Ombudsman for Long-Term Care Elmer L. Andersen Human Services Building 540 Cedar Street St. Paul, MN 55155 (651) 431-2555 or (800) 657-3591 www.mnaging.net external link icon

Minnesota Department of Commerce 85 7th Place East, Suite 280 St. Paul, MN 55101 (651) 539-1500 or (800) 657-3602 www.mn.gov/commerce external link icon SOCIAL SECURITY ADMINISTRATION The Social Security Administration is the federal agency that has the authority to administer Social Security benefits. Social Security Administration Office of Public Inquiries 1100 West High Rise 6401 Security Boulevard Baltimore, MD 21235 (800) 772-1213 www.ssa.gov external link icon CENTERS FOR MEDICARE AND MEDICAID SERVICES The Centers for Medicare and Medicaid Services is the federal agency with the authority to run Medicare. Centers for Medicare and Medicaid Services 7500 Security Boulevard Baltimore, MD 21244 www.cms.govexternal link icon FEDERAL TRADE COMMISSION The Federal Trade Commission (FTC) is the federal agency that has authority to take action against deceptive, fraudulent and unfair business practices in the marketplace. Federal Trade Commission Bureau of Consumer Protection 600 Pennsylvania Avenue NW Washington, DC 20580 (877) 382-4357 TTY: (866) 653-4261 www.ftccomplaintassistant.gov external link icon

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Minnesota Board on Aging Department of Human Services P.O. Box 64976 St. Paul, MN 55164-0976 (651) 431-2500 or (800) 882-6262 Senior LinkAge Line: (800) 333-2433 www.mnaging.netexternal link icon

MINNESOTA DEPARTMENT OF COMMERCE The Minnesota Department of Commerce has authority to regulate certain health insurance companies and third-party administrators, as well as financial advisors and securities, including companies that issue securities, securities brokers, and securities agents.

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When an aging loved one is

MOVING IN No man or woman, regardless of his or her age, wants to consider that a day may come when they need to rely on loved ones to help them perform everyday activities. But every day tens of millions of people serve as unpaid caregivers for their aging friends or family members. A 2015 survey from the National Alliance for Caregiving and AARP found that approximately 34.2 million people had provided unpaid care to an adult age 50 or older in the last 12 months. Many unpaid caregivers are pulling double duty, caring for their aging parents while also raising families of their own. While there’s no guarantee that aging men and women will require care, caregivers figure to become more necessary as life expectancies increase. In fact, recent years have seen the senior population in the United States exceed 50 million for the first time in the country’s history, and figures from the U.S. Census Bureau suggest that figure will continue to rise until 2029. Men and women who are preparing

to welcome an aging loved one into their homes may wonder how to make that transition go smoothly, especially if they have young children at home. The following are some tips that can help families prepare to welcome an aging friend or family member into their homes. •Speak with your loved one’s physicians. Speak with an aging loved one’s physicians so you can get a complete picture of their physical and mental condition. This can give you an accurate depiction of how much care your loved one needs now and how much they might need in the future if their condition worsens. •Discuss forthcoming changes as a family. Once you gain a full understanding of your loved one’s physical and mental condition and before this person moves into your home, discuss it with your family. Adding a new member to your household will affect everyone, so each member of the family, including young children, should be included when discussing how the family dynamic will change. Parents

LIP READING:

must recognize that even young children may be asked to make sacrifices to accommodate aging loved ones. Explain these sacrifices in advance and how important it is to make an aging loved one feel welcome when they move in. •Discuss conditions with children. Children may recognize their grandparents or elderly loved ones have physical limitations, but they likely won’t understand conditions such as dementia or Alzheimer’s disease. Parents can ask a physician about how to explain cognitive decline to young children. Children may not recognize cognitive decline as readily as adults, so parents may need to discuss these conditions with their children periodically and/or if the conditions worsen. Millions of people across the globe welcome aging loved ones into their homes when they can no longer care for themselves. Such caregiving changes family dynamics, and these changes should be discussed before and after a loved one moves in.

a valuable skill for those with hearing loss If you’re hard of hearing, you can greatly facilitate your aural comprehension by learning to read lips. But how do you develop this ability? The first step in learning to read lips is to sign up for a course on the subject given by an audiologist or a speech pathologist. This course will teach you to interpret other people’s speech by paying close attention to non-verbal cues

20 | GENERATIONS • Spring 2019

such as lip and jaw movement, facial expressions, posture, and gestures. Afterwards, you’ll need to practice. Every time you take part in a conversation, you’ll further hone your abilities. To get more information about hearing loss, visit the American Speech-LanguageHearing Association website at asha.org.


3

BENEFITS

of owning a pet as you age

Pets bring their human caregivers joy, security, companionship and more. But did you know that owning a pet is scientifically shown to benefit your health? Here are three good reasons to consider adopting a pet.

1

They improve your health. Spending time with pets reduces stress and decreases blood pressure levels. Furthermore, caring for a pet will encourage you to get more exercise. Taking a dog for a walk, or playing with a cat, is an easy and enjoyable way to stay active.

2

They provide companionship. People often have fewer opportunities for social interaction as

they grow older and begin to feel isolated. But pets are good company, and dogs in particular can provide you with more opportunities for social interaction. Walking your dog or taking them to the dog park allows you to strike up conversations with other dog owners.

3

They give you a sense of purpose. Knowing that your pet cares for you and that they are dependent on you for food, exercise and companionship will imbue your life with added meaning and importance. Plus, caring for your pet can help you establish a routine and give your day structure. These are just a few of the many advantages of owning

a pet. However, you can also reap many of these benefits simply by spending time with animals. To this end, an increasing number of senior facilities have programs where

pets are regularly brought in to visit residents. If having a pet at home doesn’t work for you, look to see whether you can arrange a visit from one instead.

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Natural solutions for

going gray with style

Gray hair is a natural side effect of aging. The rate at which hair will turn to gray differs based on genetics and other factors. Some people may go gray seemingly overnight, while others may gray at the temples first before the rest of their hair gradually changes color. Aging women often wonder if they should cover up their gray hair or embrace the silver. Going gray is no longer something that has women running to their stylists at the sight of the first gray strand. Some actually opt for silver even before their own gray sets in. According to a 2017 survey of hair trends, 28 percent of women embraced or considered opting for silver hair. The trend has continued to gain steam. Celebrities like Jamie Lee Curtis and Helen Mirren were some of the first

to embrace their grays. Younger celebrities like Kendall Jenner, Pink and Lady Gaga have opted for silver tresses to make a statement. But there are still many women who prefer to transition gradually or avoid the harsh chemicals in some hair products. The National Cancer Institute states that more than 5,000 different chemicals are used in hair dye products, some of which are reported to be carcinogenic in animals. There are many natural ingredients that can add tint to hair to make gray less visible. Coffee, for example, can cover grays and add dimension to dark tresses. Chamomile tea is recommended for blonds to add natural highlights and perhaps camouflage their grays. Calendula, marigold, rosehips, and hibiscus can deepen red shades or add some subtle

red highlights. Henna also is a popular natural method to add a red-orange color to hair. Creating highlights to offset gray hair can work as well. Spraying lemon juice on hair and sitting in the sun can pro-

duce lightening effects. Many women are seeking natural options to look their best. Embracing grays or creating subtle tints with natural ingredients can help women feel confident and beautiful.

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Prepare for natural disasters Natural disasters can strike at any time and the damage is often considerable. According to the United Nations Office for Disaster Risk Reduction, between 2005 and 2014 natural disasters caused $1.4 trillion in damage across the globe, affecting 1.7 billion people along the way. One way to prevent natural disaster tragedies is to develop an emergency preparedness plan before the next storm strikes. That’s important for everyone, but especially for se-niors, many of whom live with mobility issues that can com-promise their ability to escape. In recognition of the po-tential problems seniors face when natural disasters strike, the American Red Cross offers the following tips to seniors and their families so aging men and women can make it through such situations safely. •Make arrangements to contact loved ones. Prior to an

emergency, seniors and their support network should make arrangements to make immediate contact once a di-saster strikes. Determine who will make initial contact and how that contact will be made (i.e., via phone, text message, social media, etc.), as well as who will be responsible for providing assistance if neces-sary. Such a plan lets everyone within the support network know their precise responsi-bilities, which limits confusion in the sometimes hectic hours and days after disaster strikes. •Exchange keys. Make sure everyone in the support network has keys to seniors’ homes. This increases the chances that someone will be able to reach seniors if the primary contacts are incapable of doing so. •Let others know where emergency supplies are kept. Everyone should have emergency supplies in their homes. Seniors should not take it

for granted that such supplies can be easily found if they become incapacitated during a storm. Make sure such information can be easily accessed during a storm by emailing it to your support network and/ or post-ing the information in a con-venient location in your home, such as on the refrigerator. •Share your evacuation plans. In the wake of recent disasters, many communities that did not previously feel vulnerable to natural disasters have devised evacuation plans for residents. Seniors should

share these plans with their support networks. Doing so makes it easier for relatives to find you if you must evacuate your home before help arrives. •Share important medical information. Seniors should share medical information, such as healthcare providers and a list of the medications they’re taking. This can make things easier for emergen-cy responders to successfully treat people who become inca-pacitated during storms. Information on senior pre-paredness is available at www. redcross.org.

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SUMMER FUN FOR SENIORS Check out some of these warm weather ideas With the warmer weather, it’s time to get outside and take advantage of the beautiful days as well as soak up some healthy vitamin D. Do make sure to stay hydrated and wear sunscreen. Here are just a few activities to get you going: Watch the sunrise. Get up just a bit early, grab your coffee and watch the sunrise with all its glorious colors. It’s also cooler at that time of day. If you’re not a morning person, then take advantage of the sunset. Hit the water. Whether it’s to relax or to exercise, heading to the swimming pool or lake is a great way to cool down or get your heart rate up. Try a picnic. With a blanket, some snacks and a few beverages, head out for a local

park or find some shade under the trees. Share a picnic with frends or family. You can even try dining at a restaurant’s outdoor patio. Take a walk. Head out in the morning or evening to avoid the midday heat and get in your steps on a walk. Don’t forget to bring water to stay hydrated. Watch a ball game. Check out some of the local talent on the baseball diamond or soccer field or attend grandchildren’s softball, t-ball or soccer games. Don’t let the good weather go to waste. Go fishing. In this land of 10,000 lakes, you can drop a line off a local pier or hop in a boat and enjoy the fresh air. Any fish you catch are a bonus! Pick up an ice cream treat.

Indulge your sweet tooth by visiting your favorite ice cream stand. Visit a museum. Some days are simply too hot and humid to head outside. Opt for a local

museum where you can enjoy the exhibits and the air conditioning and still get in your daily exercise.

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Douglas County Senior Services Douglas County Senior Services provides advocacy, information, assistance, program development and coordination of services to the over-55 population of Douglas County. The program provides outreach on many topics including advance directives, scams/frauds, identity theft, resources and housing information, matter of balance classes, chronic disease self management classes and information on advance care planning. The office also provides health insurance counseling on Medicare part A, B, C and D along with medical assistance information, and long-term care insurance assistance. It has an Alzheimer’s caregiver support group and a general caregiver support group, and works in conjunction with both the Douglas County Sher-

FOR MORE INFORMATION Call (320) 762-3047 or visit http://www.co.douglas.mn.us/ dc/senior-resource-health.aspx for information on senior health resources or http://www.co. douglas.mn.us/dc/senior-hous-

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iff’s Office and the Alexandria Police Department on TRIAD, a group dedicated to the education of seniors of Douglas County in regards to fraud, scams and other crimes against the seniors. The NAPS (Nutrition Assistance Program for Seniors) is a supplemental food program for seniors that is free to all who qualify. Staff is available to come to your organization and offer presentations on a number of topics of interest to the senior population.

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The

PROS and CONS of 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.

3

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 Ñ one where workers have greater control over their schedules and careers. DISADVANTAGES 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 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. Retiring early is a complex issue that requires weighing the pros and cons.

tips for tackling debt as a senior

26 | GENERATIONS • Spring 2019

Debt among seniors is on the rise. If you or someone you know is struggling financially, these three tips can help. 1. Create a budget. Figure out precisely how much money you earn, spend and save every month. See where you can tighten your spending. Start by asking yourself which of your small, recurring expenses you can reduce or eliminate. 2. Prioritize debts. Determine the interest rate for each of your debts. Make the minimum payments for each debt, and then funnel whatever else you can afford towards the debt with the highest interest rate. 3. Renegotiate with creditors. Discuss your financial sit-

uation with your creditors and determine if they might lower the interest rate on your debt, consolidate your debts into one loan or stretch out your payments over a longer timeframe. Reducing your minimum monthly payments can help you stay solvent while paying off your loans. Finally, if you need extra help, be sure to get it. Contact an accredited not-for-profit credit counselor, a financial adviser or a licensed insolvency trustee. These experts can help you evaluate your debt situation, make a budget and develop strategies to pay off your debt.


Guarding against MALNUTRITION Seniors are at risk for malnutrition. Though their need for nutrients remains largely the same as when they were younger, their need for energy, and therefore their appetite, decreases with age. Here are a few things seniors can do to fend off malnutrition. •Have regular weigh-ins. Weight gain or loss can be difficult to notice, as it typically happens gradually. Seniors should make a habit of weighing themselves at least once a month. Any weight loss of more than five percent of their body weight during a period of six months or less needs attention. •Watch for red flags. Besides weight loss, malnutrition can cause tiredness and irritability, slow healing of wounds and the feeling of always being cold.

•Understand the side effects of medications. Many drugs affect appetite, digestion and nutrient absorption. Remedies for malnutrition include exercising regularly to stimulate the appetite, adding more herbs and spices to meals to enhance flavor and taking supplements (if recommended by a doctor). If you think you or a loved one is suffering from malnutrition, see a physician right away. Malnutrition has a number of serious consequences, including a weakened immune system (increasing the possibility for contracting infections) and a heightened risk for falling and getting fractures due to muscle weakness and decreased bone mass. A doctor will help you form an appropriate care plan to get your health back on track.

Spring 2019 • GENERATIONS | 27


Functional fitness training: what it is and how does it benefits seniors As we age, everyday tasks become more physically challenging. Activities such as getting up from a seated position, putting on a coat, dusting furniture and putting away groceries become difficult for many people. Functional fitness training helps seniors continue to perform these types of tasks without experiencing excessive strain. What is functional fitness training? Functional fitness training involves exercise routines that mimic the activities of daily life. The focus is primarily on balance, core strength, endurance and multi-joint flexibility.

Why is it great for seniors? Nearly everyone stands to benefit from functional fitness training, but it’s particularly advantageous to seniors. As we grow older, we begin to lose muscle mass, bone strength and our sense of balance. Functional fitness training will help seniors remain independent for as long as possible. Plus, unlike exercise machines and weight training, it’s a low-intensity form of exercise and shouldn’t cause strain or injury. Want to give functional fitness training a try? More and more commercial gyms are starting to offer such programs. See if there’s a class close to you that you can sign up for.

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Alexandria Senior Center is there for you A wide variety of services and social activities are available for those 50 and older Did you know if you are over 50 years old, you are qualified to utilize the many services of the Alexandria Senior Center? Located at 414 Hawthorne St. in historic Downtown Alexandria, the center welcomes all. There is the Lorsung Art Studio, a variety of meeting rooms that anyone can rent, and a state-of-the-art commercial kitchen. There are activities and entertainment on a regular basis and there are also programs sponsored by AARP that utilize the Alexandria Senior Center space. In today’s world, the term “senior” has a totally different meaning than it did 40 years ago. If you were a “senior” 40 years ago, you were likely in your early 60s. Due to advanc-

es in medicine and improved health care knowledge, the average life expectancy is far greater than it was in 1977. According to www.data360. org, average life expectancy in the United States for men and women today is 82 years. In 1977, the average life expectancy was 77 years. Today, more and more Americans are living well into their 90s or even hitting 100. The Alexandria Senior Center was created in 1984 as a nonprofit organization. Then, and now, it is a local spot where seniors come together to enjoy cards, meals, special events and fellowship. While much has changed in the Alexandria Lakes region since 1984, the mission of the Alex-

FOR MORE INFORMATION on services and programs available at the Alexandria Senior Center, or to become a member, stop by 414 Hawthorne Str. or call

(320) 762-2087 andria Senior Center has not wavered. The Alexandria Senior Center has grown its membership to an amazing 840 members. Members currently receive many benefits, including a monthly newsletter, and reduced fees for meals, classes and facility room rentals. At the Senior Center, members have access to free Internet and Wi-Fi, and some qualify for annual free income tax preparation. Nutrition Services Incorporated provides onsite lunches five days a week for seniors, and also provides

the Meals on Wheels service for those unable to come to the center for lunch. The Alexandria Senior Center also has an extensive lending library and offers free computer and cell phone assistance for those seniors wishing to learn more about the digital world. There are many opportunities for entertainment and fun at the Alexandria Senior Center every month. From live music, card game groups and bingo to pool enthusiasts and birthday parties, there is truly something for everyone at the center.

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Stay in your home longer with modifications A few changes to your house may be all you will need By Betty Ravnik Interior Designer

I recently did a Breakfast with Betty on the topic of selling or trying to stay in our homes as we age. Home modifications allow us to continue staying in our homes and to love it again! The first thing anyone should do is declutter. This not only sets the stage for if we ever have to move but also to lessen the toll of our family if they have to clear out our possessions. Decluttering has many benefits, one of which is it lessens our responsibility. Whatever we own we have to feed it, dust it, repair it, etc. It takes a lot of energy to do these things. Energy we no longer have or no longer want to dedicate to “stuff.” Another bene

fit of lessening our possessions is we need fewer cabinets, wall space and floor space. We may need to incorporate more open floors space if ever we need the assistance of a walker or wheelchair. The less storage we need the more opportunity we have to reconfigure kitchens and bathrooms to accommodate our needs for the future. An island in the kitchen is more usable than a peninsula but base cabinets are typically sacrificed to create it. Reducing a cabinet in the bathroom allows for more space to maneuver or even having an open knee space below the sink. To help with decluttering go into each room and donate, sell or toss items that are no longer of service or bring you joy. The 19th century British designer William Morris said it best, “Have nothing in your house that you do not know to be useful, or believe to be beautiful”. After decluttering your space look at ways to make your home safe. An easy inexpensive way is to add grab bars in the bathroom. Falls are often the reason people are forced to leave their home. Grab bars placed by the toilet and in the shower/tub area make using the space

easier and safer. Grab bars don’t have to be institutional looking. Companies like Kohler have beautiful designs that can actually enhance the beauty of the bathroom. Other great bathroom remodels that help with resale and accessibility is replacing the toilet with the higher comfort height model and removing the tub to create a walk in shower with no curb. In the kitchen consider placing your dishes in base cabinet drawers. It is easier on the back and safer to lift the dishes up and out versus lifting things out of the upper cabinets. Consider moving your bedroom and laundry to the first floor. This may be involve a remodel but will actually help you stay in your home longer and increase the value of your home. None of these matter if you can’t access your home through the garage or front door. By raising the exterior grade a landscaped ramp can be created. This allows your home to be visited easily by children and those that need mobility assistance. Isn’t that what we all want; for our homes to nurture us, our friends and family through all the stages of our lives.

Home modifications can look good while being functional Aesthetics can play an im-portant part in an aging per-son’s home and actually make it safer. As a person ages, weaken-ing vision can cause problems differentiating between items, so paint walls a cozy color, but one that is quite different than the color of the floor and furniture. You can use that

same idea with bedding, buying different colored top and bottom sheets. When you declutter a home, try displaying only a few favorite articles or use a lighted cabinet to keep collectibles together and safe for viewing. You can also find display racks for smaller items.

30 | GENERATIONS • Spring 2019


Getting You Back to

What Matters Most Your recovery is our priority.

Every day with us is another day closer to home. If you are in need of short-term rehabilitation following an injury, illness or surgical procedure, take charge of your recovery and choose Bethany on the Lake. Our professional, compassionate team is here to help you get stronger, healthy and back to living the life you love. • 100% short-stay customer satisfaction rating

• First-rate, modern amenities • Outpatient therapy options

• State-of-the-art therapy center

• Pre-planning program

• Private rooms & bathrooms

Have a surgery scheduled? Call our admissions coordinator to start pre-planning your rehabilition stay.

320-763-2186 bethanyonthelake.com 1020 Lark Street | Alexandria, MN

Spring 2019 • GENERATIONS | 31



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