Page 2B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015
Why the cheapest 'retirement investment' is also critical to your health (BPT) — You maxed out your 401(k) every year you worked, invested wisely and planned carefully in preparation for retirement. Perhaps you even researched your Medicare options and you know exactly what health and drug plans you'll choose. But if you're like the majority of other Americans approaching — or in — retirement, you've likely overlooked a critical aspect of retirement planning and investment: dental insurance. By 2030, 72 million Americans will be 65 and older, the Administration on Aging predicts. Currently, 70 percent of American seniors don't have dental coverage, according to a report in the Journal of Dental Education. Medicare does not provide dental coverage, so when their employer-sponsored dental insurance ends, many seniors discontinue dental coverage — and dental care — altogether. Yet dental insurance is one of the cheapest “retirement investments” seniors can make. And the health costs of not having dental care can be devastating. “Dental health is a critical issue for senior citizens,” says Dr. Jed Jacobson, chief science officer of Renaissance Life & Health Insurance, and the director of the Renaissance Dental Research and Data Institute. “Discontinuing dental insurance is risky at best. The absence of regular preventive dental care can have permanent, devastating effects on a senior's overall health and well-being.” Research shows that oral health is linked to overall health, especially for senior citizens. Preventive dental care or regular dental cleanings can help eliminate the mouth-borne bacteria
that can compound a number of age-related health concerns. Many of the medications seniors take can lower the amount of saliva they produce, making them more susceptible to infection in the mouth. Bacteria that develops in the mouth can spread throughout the body, Jacobson notes, causing or worsening problems such as: • Cardiovascular disease — Bacterial endocarditis, a serious infection inside the heart, is caused by bacteria that normally develops in the mouth. • Infections in prosthetic joints — Joint infection is one of the leading causes of failure in prosthetic joints, and can lead to costly, painful and risky surgery. Bacteria from the mouth can enter the bloodstream and cause joint infections. • Diabetes — Nearly 12 million seniors have diabetes, and untreated periodontitis — a common oral disease — can make it harder to control blood sugar levels. • Oral cancer — Age is a primary risk factor for many forms of cancer, and the median age for diagnosis of oral cancer is 62, according to the National Cancer Institute. Oral cancer can cause serious debilitation, disfigurement and even death — in fact oral cancer has one of the highest mortality rates of any type of cancer. It is also the costliest cancer to treat, ranging from
Contents Health feet for those with diabetes, Page 4B Money management expert, Page 4B 2015 travel opportunities, Page 5B Cover Story: Leonard Stroup celebrates 100 years, Page 6B Hearing loss, Page 10B Balancing Alzheimer's and holidays, Page 12B Exercise tips, Page 14B
$100,000 to $250,000, research by the Renaissance Dental Research and Data Institute reveals. Preventive dental care, such as routine checkups, is the best way to catch oral cancer in its earliest, most treatable stages. “Poor dental health does not have to be a reality of retirement,” Jacobson says. “Many debilitating oral health issues can be prevented by regular dental examinations.” Even though Medicare doesn't cover dental care, the open enrollment period (Oct. 15 to Dec. 7) is a good time for retirees to think about dental insurance, Jacobson says. While seniors receiving Medicare can make changes to their health and drug coverages only during open enrollment, they can enroll in a private dental insurance plan at any time. Typically plans like those offered by Renaissance Dental cover preventive care for an af-
fordable premium — as low as $25 per month. Insured seniors can visit any dentist they choose, but they can save even more by visiting a dentist from Renaissance's nationwide network of more than 200,000 preferred provider locations. The company specializes in retiree dental care and is licensed to sell group and individual policies in all 50 states. Visit www.rensmile.com or call 888-791-5995 to learn more and to obtain plan pricing information. “Research shows that patients are 50 percent more likely to schedule regular dental checkups when they have dental insurance,” Jacobson says. “By continuing their dental benefits into retirement, and getting regular dental screenings, seniors can take advantage of one of the simplest, most cost-effective and potentially life-saving measures available to preserve their health during retirement.”
Retirement planning for women, Page 15B
Publisher – Dave Phillips Editor - Sarah Reed Feature Writer Lucas Johnson Cover Design Jacob Hatfield Advertising Sales Mike Davis Susan Duvall Scottie Davis Mailing Address Marshall Democrat-News PO Box 100 121 N. Lafayette Ave Marshall, MO 65340-0100 Office Hours 7:30 AM – 5 PM Monday-Friday Contact www.marshallnews.com democratnews@gmail.com
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Page 4B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015
Simple steps that help people with diabetes keep their feet healthy (BPT) — A diabetes diagnosis can be daunting, but a simple attitude adjustment can make a world of difference in how well you fare while living with the disease. By proactively taking steps to monitor key health indicators, experts agree that it's possible to prevent some of the most severe risks of diabetes, including lower limb amputation. People ages 20 and older who are living with diabetes account for about 60 percent of non-traumatic lower-limb amputations, according to the Centers for Disease Control and Prevention's 2014 National Diabetes Statistics Report. “The CDC says the occurrence of diabetes-related foot and lower-leg amputation has decreased by 65 percent since 1996,” says American Podiatric Med-
ical Association (APMA) President Dr. Frank Spinosa. “Working together, podiatrists and their patients with diabetes can reduce the number of amputations even more.” People with diabetes may be less aware of cuts or wounds on their feets due to the nerve damage related to their disease, Spinosa points out. “Regular and vigilant foot care can help catch problems before they develop into a health crisis.” The APMA offers advice to help people with diabetes protect their foot health: • Inspect your feet daily, checking the entire foot and all 10 toes for cuts, bruises, sores or changes to the toenails, such as thickening or discoloration. Treat wounds immediately and see your podiatrist if a problem per-
sists or infection is apparent. • Exercise by walking, which can help you maintain a healthy weight and improve circulation. Be sure to wear appropriate athletic shoes appropriate for the type of exercise you're doing. • When you buy new shoes, have them properly measured and fitted. Foot size and shape can change over time, and ill-fitting shoes are a leading cause of foot pain and lesions. Certain types of shoes, socks and custom orthotics are available for people with diabetes, and they may be covered under Medicare. You can find a list of podiatrist-approved footwear and products for people with diabetes on the APMA website. • Keep your feet covered and never go barefoot
even at home. The risk of cuts and infection is too great. • See a podiatrist to remove calluses, corns or warts — don't tackle them yourself and don't ask a unlicensed non-professional to do it. Over-the-counter products can burn your skin and injure your foot. Podiatrists are specially trained to address all aspects of foot health for people with diabetes. • Get checkups twice a year. An exam by your podiatrist is the best way to ensure your feet stay healthy. “For people with diabetes, taking charge of your own foot health can help you avoid foot-related complications like amputation,” Spinosa says. “Work with today's podiatrist to help you safeguard your foot health.”
Find the right expert to help you manage your money (BPT) — What’s in a name? When choosing a brand of paper towels or laundry detergent, one name may be as good as another. When it comes to selecting a financial advisor, however, consumers should know there are different types of advisors who are held to significantly different professional standards. Registered investment advisors (RIAs), for example, are regulated by the Securities and Exchange Commission (SEC) or individual states. They are held to a “fiduciary” standard of care, which means they have a legal duty to place the interests of their clients first. Brokers, or registered representatives, are regulated by the Financial Industry Regulatory Agency (FINRA) and are generally not considered investment advisors by federal regulators. They are held to a lower “suitability” standard, although FINRA views that as including a “best interest” of the client standard. While more than half of U.S. investors use a professional financial advisor (a catch-all phrase that some might see as including financial planners, accountants, brokers, RIAs and even insurance salespeople), four in 10 don’t know which standards govern their advisor, according to a 2013 survey conducted by TD Ameritrade Institutional. Yet it is a key distinction. “It’s not uncommon for investors to think a broker is the same as a registered investment advisor,” says Skip Schweiss, managing director of advisor advocacy and industry affairs for TD Ameritrade Institutional. “Even savvy investors may not know the difference. But different types of advisors deliver different types of services and are held to different professional standards. Before you invest with any advisor, it’s important to understand what their credentials mean, and under what accountability standards they operate.” Fiduciary vs. suitability There are two basic standards for financial advisors: fiduciary and suitability. Of these two standards, Schweiss says, the fiduciary standard for RIAs is the higher one. Under the fiduciary standard, RIAs are bound by a 74-year-old federal act and regulated by the SEC and state regulators.
see Expert, page 13B
The Marshall Democrat-News, Friday, Jan. 23, 2015 - Page 5B
Senior Living 2015
Experience the big travel opportunities of 2015
(BPT) — Feeling tired of the hustle and bustle of metropolitan meccas when on vacation? You’re not alone. Next year, travelers will choose smaller destinations and opportunities to immerse themselves in the local culture. As daily life is increasingly hectic, people will want to unplug and relax without the stressors of a big city. In 2015, travelers will explore hidden gems across the country. Bing predicts that Pigeon Forge and
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Gatlinburg, both in Tennessee, as well as Savannah, Ga., will be a few of the top travel destinations in 2015. The slower lifestyle people associate with the South may be a draw, as well as the unique cuisine and beautiful architecture. Pigeon Forge, Tenn., is best known as the home to Dollywood, yet offers so much more. Nestled in the Smoky Mountains, the mountain resort has a local population of approximately 5,000, yet offers
live music, comedy and dinner shows. Among larger cities, it’s predicted that Nashville and New Orleans, La., will increase in popularity, as well. Another top trend in 2015 will be a growth in services and experiences that help people live like locals. Many travelers feel that more intimate lodging accommodations, restaurants and music venues provide a more authentic taste of the destination. Booking homes, or even just a room, has replaced
hotels for many travelers. This allows them to cook meals for themselves and get to know neighbors like a local resident. Some companies connect people with other travelers and locals who share a love for food. For a true taste of the city, visitors dine in a local's personal home, meeting new people and dining on truly local cuisine. Consider traveling like a local as you make your travel plans for the coming year.
Page 6B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015
Leonard Stroup celebrates 100 years
Lucas Johnson/Democrat-News
by Lucas Johnson Staff Writer
t’s hard to imagine a world without the modern amenities we have come so accustomed to — cell phones,
I
tablets and instant access to the world-wide-web has shaped our society in ways unheard of even a few decades ago. One man knows the past all to well as he will have lived it for 100 years in March.
Leonard Stroup, of Marshall, was born in Linn Creek, Mo, March 27, 1915. Stroup said during his younger years he and his family moved from Linn Creek to Lamine as his father worked in road construction
driving a caterpillar to grade the roads. In Stroup’s teenage years he worked on different farms and recalled the atmosphere of the Great Depression and how the affect of the hard times wasn’t felt too much for him.
“I actually can’t remember any events, just everyday life. I had some good parents,” Stroup said. “Of course I had to help with different things around the house and all.
see Stroup, page 8B
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Page 8B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015 Stroup
(Continued from page 6B)
There’s one thing the Lord blessed me with: a gift of making stuff, I could make just about anything I wanted.” Stroup enthusiastically explained his talent of craftsmanship, which he discovered at a young age and spoke about the construction process of his largest project, a one-quarter scale replica of a 40 horse-power case tractor. Stroup built the steam engine using only the blueprint in his head and scrap metal he found at the local junk-yard. “I went to the McCounds Junk Yard in Sedalia, and picked out stuff that I would find that I thought maybe I could make into that,” Stroup said. “I think it was my biggest deal that I ever made.” He detailed the process for building his steam engine starting with the engine itself, where he had to modify several components in order to fit the blueprint in his mind. “That smoke stack there is just a piece of pipe, I cut a groove in each side and then welded it back together and that made it tapered,” Stroup said as he gestured to the steam engine. “I just looked at it and thought, ‘I can modify that ... and change it a little bit and us it on there.’” Stroup continued explaining his favorite project and said his membership with the Missouri Valley Steam Engine Association also brought about several opportunities to show his model in parades and exhibits. He also explained a bit about the history and significance of his model, saying the steam tractor
>>>
was ahead of the gas tractor, per- had been in it before, they had forming the same functions but just created it ... and so I joined operating through a different up with that,” Stroup said. power source. Stroup trained to be a diesel Stroup’s affinity for building mechanic with the amphibious things started at a young age as he engineers at Camp Edwards. stated he had to He was later make do with his deployed to New own creations Guinea in the growing up as a South Pacific in child. 1944. Recalling “I never had his experience at any toys bought Camp Edwards, from the store. I Stroup spoke made all my about the drastic toys,” Stroup change in clisaid. mate, going from Stroup evennortheastern wintually put his ters to the heat of skills to use at the tropical the outbreak of South Pacific. World War II. “It was 42 Upon the U.S. below when I got entrance into the out off the truck conflict it beto go to Boston came obvious to to get on the train U.S. command... then when I ers that a large got over seas amphibious cathey sent me to pability was New Guinea. needed to asThat was a really sault positions hot place,” —Leonard Stroup with beachStroup said while heads. laughing at the A new group irony. was formed in After the war the Army Engiended one of neers which Stroup’s acquainwould meet this tances -whom he demand, and a had worked for training center before the warwas established at Camp Edwards asked him if he would be interin Massachusetts. ested in helping him start his “I went to the recruiter in business back up. Kansas City and I wanted to join “The fellow that I worked up, and they said that there was a with, he was in the service too ... place in Massachusetts that was of course I knew him, I had starting up a new outfit. Nobody worked for him before, but it hap-
“I never had any toys bought from the store. I made all my own toys.”
pened to be that he was discharged the same day that I was and rode home with me,” Stroup said. “He said he was going to take two weeks and do nothing and then start his business again and wanted to know if I would help him get started. So I did.” Stroup said he worked as a mechanic his entire life, but also worked as plant superintendent for Mid-Missouri Telephone company for approximately 30 years. Stroup also elaborated on his family life with his wife, Ellen, to whom he has been married to for 67 years and 10 months. Among some of Stroups other hobbies, were hunting and fishing. He recalled the memories of an old hunting buddy from his youth. “There was a German boy that I got acquainted with, and him and I hunted and fished together, and we really grew up together,” Stroup said, stating he was a lifelong friend and hunting buddy until his passing. Recalling some life advice, Stroup advocates responsible financial spending. He explained he was able to manage his finances effectively throughout the years. “We decided instead of buying stuff on time we would save the money up ahead of time, then pay cash for it,” Stroup said. By doing that you don’t have to put out extra money for interest ... so if we didn’t have the money we didn’t buy it.” Contact Lucas Johnson at ljohnson@marshallnews.com
Page 10B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015 FOREVER YOUNG: 5 ways treating hearing loss can revitalize your life 1.
Unlock your earning potential. Hearing your best at work helps you do your best. One study found that using hearing aids reduced the risk of income loss by 90 to 100 percent for those with milder hearing loss, and from 65 to 77 percent for those with severe to moderate hearing loss. And people with hearing loss who use hearing aids are more likely to be employed than their peers who don’t.
2.
Open the door to greater intimacy. Don’t let those sweet nothings go unheard. Feeling emotionally close to your partner is one of the most satisfying aspects of any intimate relationship. But it rests on good communication. When hearing loss goes unaddressed, it can make even the most loving partner seem remote or unresponsive. Luckily, research shows that using hearing aids can help improve interpersonal relationships — including greater intimacy.
3.
(BPT) — Listen up, boomers: Do you want to stay active? Vibrant? Socially engaged? Professionally successful? Most of us do. So maybe it’s time to do something about your hearing. Chances are, if you’re like many baby boomers, you’ve rocked your way through your fair share of concerts, night clubs and ear-blasting parties. And you’ve enjoyed years of other noisy recreational activities to boot. Simply: You’ve been enjoying life. You've spent decades doing it. And it’s been
loud. So now, it’s not always so easy to hear the conversation around the table at the restaurant or dinner party — maybe not even in the conference room at work or on those teleconference calls. Face it. All that enthusiastic living has been hard on your ears. And now they’re screaming for your attention. You should give it to them. In fact, addressing hearing loss is one of the best things you can do to improve your quality of life and keep up a youth-
ful pace. Fortunately, for most people with hearing loss, today’s state-of-the art hearing aids can help. In fact, a ratio of 8-out-of-10 hearing aid users say they’re satisfied with the changes that have occurred in their lives due to their hearing aids. Many boomers are surprised to learn that dramatic new technological advances have revolutionized hearing aids in recent years. Many hearing aids are virtually invisible, sitting discreetly and comfortably inside the ear canal.
And they adjust to all kinds of noise environments, picking up sound from all directions. Some are even waterproof. Perhaps best of all, seamless connectivity is now the norm. Today’s hearing aids are wireless and stream sound from your smartphone, home entertainment system, and other electronics directly into your hearing aid(s) at volumes just right for you. Here’s what getting a hearing test and using professionally fitted hearing aids, if recommended by a hearing care professional, may do for you:
Pull the plug on stress and boost your mood. People with untreated hearing loss often feel angry, frustrated, anxious, isolated and depressed. But research shows that when they use hearing aids, their mental health often rallies. Many regain emotional stability, become more socially engaged, feel a greater sense of safety and independence, and see a general improvement in their overall quality of life.
4.
Bolster your self-confidence. An important perk of using hearing aids can be enhanced emotional well-being. Research shows that when people with hearing loss use hearing aids, many feel more in control of their lives and less self-critical. One Better Hearing Institute (BHI) study found that the majority of people with mild and severe hearing loss felt better about themselves and life overall as a result of using hearing aids.
5.
Improve cognitive functioning. Studies out of Johns Hopkins linked hearing loss with accelerated cognitive decline in older adults and found that seniors with hearing loss are significantly more likely to develop dementia over time. BHI studies found that many people with hearing loss report improvements in their cognitive skills with the use of hearing aids.
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Page 12B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015
Managing the holidays with a loved one who suffers memory loss
(BPT) — The holidays are supposed to be a time of joy when families and friends gather to share each other's company, revisit fond stories of holidays past and make new memories to last a lifetime. But what if a loved one is no longer able to remember the holidays or the family and friends he has spent them with? What if dementia or Alzheimer's has robbed a parent or grandparent of the ability to make and cherish new memories? “More than 5 million people are living with Alzheimer's, and the disease particularly impacts caregivers and other loved ones during the holiday season,” says Kelly Scott, of Brookdale, which operates more than 550 Alzheimer's and dementia care communities. “Despite the stress and sadness
Alzheimer's can cause, it is possible to create comfort and happiness for everyone during the holidays.” Scott offers some advice to help caregivers and families navigate the holidays: • Encourage visits, even if your loved one's memory loss makes visitors uncomfortable. Socialization is important for people with Alzheimer's or dementia — and for the people who take care of them. Prepare guests for the changes in your loved one, especially if the visitors have not seen him or her in a while. • Encourage reminiscing and storytelling of favorite holiday memories and traditions. Often, long term memories are the strength of individuals with Alzheimer's disease or dementia.
Telling stories of childhood and early adult life can help them feel engaged and purposeful during visits with families and friends. • As much as possible, involve your loved in in preparing food, wrapping gifts and other familiar holiday traditions. Participating in familiar routines and tasks will promote their self-esteem and provide a sense of purpose during this special time. • If possible, plan to have family gatherings and activities at home, in surroundings familiar to your memory-impaired loved one. Holiday travel can be stressful for everyone, but it can be especially confusing and upsetting to people with Alzheimer's or dementia. Receive visitors early in the day when the person is less likely
to feel fatigued, and watch for signs that your loved one is tiring — indications could include irritability, confusion or agitation. • Eating out is possible, but it's best to make reservations so you can avoid a long wait, and you should check out the menu online before you go to ensure your loved one has dining options. Avoid noisy restaurants or buffets that offer too many options that might confuse your loved one. Dine in smaller, more manageable groups. • Avoid situations that can cause confusion or frustration for people with memory loss, such as large crowds of people who will expect your loved one to remember them, loud conversations or loud music, unfamiliar surround-
ings and lighting that is too bright or too dark. • Take care of yourself. Caring for someone with memory loss is time-consuming and stressful. It's OK to accept help, especially during the holidays when you may experience physical and emotional exhaustion. If family members want to help, give them specific ideas for how they can aid you. “Caregivers provided more than 17.7 billion hours of unpaid care to people with Alzheimer's or dementia in 2013,” Scott notes. “Their financial contribution is valued at $220 billion, but their contribution of love, patience and understanding is beyond measure. Everyone should be able to enjoy the holidays, both caregivers and their loved ones.”
The Marshall Democrat-News, Friday, Jan. 23, 2015 - Page 13B
Expert >>>
Senior Living 2015 (continued from page 4B)
While both RIAs and brokers are required to act in their client’s best financial interests, RIAs are required to put their client’s interest first, even above their own or their company’s interests. Brokers (also known as registered representatives) operate under the suitability standard. They are required to have reasonable grounds for believing that securities recommendations are suitable based on information provided by the customer regarding other security holdings, financial and tax status, and investment objectives, and other information
that would reasonably need to be considered. “Financial advice can come from practically anywhere these days,” Schweiss says. “Some of it will be good, some will be spurious. When you’re investing your money, it’s important to do your homework and not only research the individual or firm who is helping to manage your money, but the laws and standards to which they are held accountable.” Schweiss also offers these tips for choosing an advisor: • Know who regulates the advisor you’re considering. The regulatory body he or she answers to can clarify what
standards he or she operates under. • Ask how he or she is compensated. By companies selling investment products? Fees paid by clients? Commissions? Compensation type may give you an idea of any potential conflicts of interest between what’s best for your money and what puts the most money in the advisor’s pocket. • Learn whether the advisor has been disciplined in the past for dishonesty or inappropriate behavior. You can find background information on financial advisors through the websites of the SEC, FINRA, National Associ-
ation of Personal Financial Advisors, Certified Planning Board of Standards and the Financial Planning Association. Information may also be available through your state securities agency. • Ask how frequently your advisor’s firm conducts audits, and if your portfolio assets will be handled by a third-party custodian. A custodian will provide a monthly statement of your assets to both you and your advisor. “Information is an investor’s greatest asset,” Schweiss says. “While investing always carries an array of different risks, selecting the
right advisor and knowing how he or she operates can help ensure your investments are in alignment with your plans and risk tolerance. Investors can help themselves by choosing an advisor who works to help them pursue their own goals.” Provided by: TD Ameritrade Holding Corporation, brokerage services provided by TD Ameritrade, Inc. member FINRA/SIPC. About the survey: An online survey was conducted by True North Market Insights on behalf of TD Ameritrade. The survey was conducted among a representative sample of 1,000 general population consumers between May 14 and May 21, 2013.
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Page 14B - The Marshall Democrat-News, Friday, Jan. 23, 2015
Senior Living 2015
Ask the Pharmacist: Exercise tips your heart will love
(BPT) — A regular exercise routine is an important component of heart health, yet less than one-third of Americans get the minimum 30 minutes of daily exercise five days a week, as recommended by the American Heart Association. Nationally, as many as 250,000 deaths annually are attributable to a lack of regular physical activity. While exercise is important for everyone, regular aerobic activity can be critical to ensuring healthier outcomes for cardiovascular patients.
Even a little exercise goes a long way. “Just five to 10 minutes of daily running, even at very slow speeds, can significantly lower the risk of mortality among cardiovascular patients,” says Ed Dannemiller, a specialist pharmacist in the Express Scripts Cardiovascular Therapeutic Resource Center. “Simply getting the recommended minimum amount of exercise can help reduce cardiovascular events such as heart attack and stroke by 30-40 percent.”
Dannemiller and his team counsel heart patients about the benefits of regular exercise in addition to following the medication regimen and other lifestyle changes. Regular exercise has many other benefits for your heart as well, including: strengthening the heart muscle, lowering blood pressure and cholesterol levels, gaining better control of one’s blood sugar and maintaining bone strength. Exercise can also help heart patients lose weight and lead more active lives without
chest pain. If you are considering starting an exercise regime, keep these precautions in mind to minimize your risks and prevent an adverse reaction. • If you recently had a heart surgery or procedure, experience chest pain or shortness of breath, recently had a heart attack, or have diabetes you should consult a physician before beginning any exercise regimen. • If you are on beta blockers, anti-arrhythmic drugs and calcium channel blockers, you may have a reduced heart rate and may experience lower gains in heart rates when exercising. Medications such as the decongestant pseudoephedrine, anti-depressants, and thyroid medications can increase exercise heart rate. It is important to know the right aerobic heart rate target to prevent overtraining or undertraining your heart if you are on any of these medications. • If you are a cardiovascular patient, high-intensity exercises such as push-ups, sit-ups and heavy lifting may not be recommended for you, so it’s a good idea to first speak with your physician. • You may also need to avoid certain everyday activities that can overly affect the heart rate, such as raking, shoveling and mowing. • Walking, swimming and light jogging are good beginning exercises if you have a
cardiovascular condition. But what if you’re already on a work-out schedule? Then keep these useful tips in mind: • Maintain a steady pace and rest between workouts. • Do not exercise outdoors in extremely humid, hot or cold temperatures. Extreme temps can make breathing difficult and cause chest pain. Try mall-walking instead. • In cold weather, cover your nose and mouth when exercising outside. • Stay hydrated by drinking water, even when you’re not feeling thirsty and especially on hot days. • Avoid overly cold/hot showers or sauna baths after exercise. • Avoid exercising in hilly areas because it may cause your heart to work too hard. Closely monitor your heart rate with your target rate in mind. • Stop exercising if you experience pain, dizziness, shortness of breath or excessive fatigue. Consult your physician. • Stop the activity in the event of a rapid or irregular heartbeat. Check your pulse after 15 minutes of rest and consult your physician if the rate is still higher than 100120 beats per minute. A regular exercise routine, along with adherence to the medication regimen, can put you on the path toward better health.
The Marshall Democrat-News, Friday, Jan. 23, 2015 - Page 15B
Senior Living 2015
Why women need to reassess retirement planning (BPT) — Men and women are not the same when it comes to retirement planning. Consider this: A husband and a wife of the same age, earning the same salary and looking to retire during the same year need to account for different factors in retirement planning. This is true even if they share a household, hold joint responsibility for their finances and equally contribute to the amount of incoming funds. Despite a remarkable career trajectory and rap-
idly changing roles in the workplace, women need to account for longer life spans as well as unique career patterns. Many women are feeling the impact of these differing retirement realties. So what can women do to better prepare? How can they plan to address these factors and live comfortably in retirement? Here are a few important tips to help you pursue your investment goals: • Start now to maximize contributions: Save and invest as soon as you
can through your employer-sponsored retirement plan, such as a 401(k) or 403(b) account, or set up an automatic transfer from your bank or brokerage account into your personal IRA, Simplified Employee Pension (SEP-IRA) or SIMPLE IRA. Whatever options you choose, aim to increase and diversify your contributions as frequently as possible. But, remember that diversification does not ensure a profit or protect against loss in declining markets. • Take advantage of
Giving your loved ones attention and care for 40 years.
unexpected money: If you receive a significant influx in funds, such as a lump-sum bonus, insurance payout, tax refund, divorce settlement or inheritance, avoid the lure of spending frivolously and think about the longterm. If you are willing to assume the risk, consider investing some, or even all of the funds. • Try not to sacrifice growth for safety: Guard against being too passive in your approach to retirement investing. Be strategic by increasing your level of involvement and
make investment decisions based on your retirement liquidity needs and risk tolerance, which is essential to building a robust portfolio. • Take care of your health now: Practicing preventive healthcare can make an impact on your bottom line by lowering healthcare costs and allowing you to contribute more to your long-term future. It can also help cut costs during retirement and will hopefully lead to a longer and healthier life, too. • Consider waiting to
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collect Social Security: While everyone's situation is different, if you can delay retirement, you may be able to reap significant rewards. By working longer or using income from other sources first, your Social Security benefit grows 8 percent each year until you reach age 70 in the current market. The bottom line is that while both men and women should invest as much as they can, as early as they can, women face some different realities when it comes to planning for retirement.
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