Salute to Seniors
INSIDE Gadgets and apps can make an older American’s life easier. Page 2.
There is a large variety of social opportunities for men of all ages, particularly seniors. Page 3.
People who live comfortably are not necessarily wealthy. They’re disciplined. Page 4.
When are you a senior citizen? There’s no specific number to becoming ‘senior.’ Page 10.
Seniors need some vaccines to stay healthy — like flu, shingles and pneumonia. Page 14.
Keeping grandkids busy without electronics is tough. Here are ideas, batteries not required. Page 16.
The Herald ■ YO U R C O M M U N I T Y N E W S PA P E R S I N C E 1 8 9 5 DUBOISCOUNTYHERALD.COM
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FRIDAY, OCTOBER 28, 2016 SECTION B
PAGE 2 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Gadgets and apps can help make life easier By CHELLE CORDERO Creators.com Life is meant to be enjoyed. Growing older shouldn’t mean having to do without life’s daily pleasures. Luckily, there are plenty of helpful accessories and apps to make things easier, even if your eyesight and hearing aren’t what they used to be. Apps can do everything from monitoring health to reading aloud from a book. Finding cars in an overcrowded mall parking lot is easy — there’s an app for that. Keeping track of calories burned during an exercise routine won’t cause a sweat with digital monitors that keep track of pulse and movement. There are lots of electronics with big buttons, large text and other user-friendly controls making it easier for an age group that hasn’t grown up with computers, cellphones or video games. Cellphones and tablets offer a variety of apps that can make anyone’s life easier. Seniors may consider car finders, medication reminders, calendar/appointment alerts, and health monitoring functions to be useful daily aids. Some of these programs, easily downloaded and often free or inexpensive, include medical
information to supplement (NOT replace) doctor visits. GPS apps assist commuters with reaching their destinations, finding parked cars and lost keys, and the apps can even help a concerned family keep track of a forgetful senior’s whereabouts. The Weather Channel app helps active seniors plan their days and dress comfortably for the temperature and weather conditions. Computerized memory and brain games designed to help keep older adults’ minds active are both fun and functional; check out Luminosity, Dakim BrainFitness or online Sudoku for inspiration. The Alzheimer’s Association recommends keeping mentally healthy with challenging and strategic activities. Staying physically healthy is just as important as exercising the brain, and apps, Fitbit bracelets, simple pedometers or activity trackers, and easy menu/nutritional lookups can help monitor daily calorie intake and activities. There are apps that will monitor heart rate and blood pressure as well. E-readers such as Nook, Kindle, Kobo and free reading apps for cellphones, tablets and computers all allow for instant downloads of popular books -- no trip to the
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This stereo bone conduction headset has conducers that sit slightly in front of the ears so you can listen to your favorite music anywhere. mall! Many of these books have built-in text-to-speech capabilities and easy reference lookups. A recent article in AARP magazine espoused several advantages of e-books including large-print choices, lightweight units that are easier for arthritic hands to hold, the ability to pack more than 1,000 books into an object weighing less than a pound, and easy readabil-
ity. Also, e-books are significantly cheaper than print versions and easier to travel with than heaps of heavy books in airline luggage. Plus, e-readers offer more than just books; readers can read newspapers and magazines with just the click of a button. There’s a unique technology called Liftware that makes dining less challenging for a person
whose hands tremble from weakness or Parkinson’s. The device is relatively small and portable; it comes with utensils, which fit into the rechargeable sleeve. The Liftware Stabilizer senses movement caused by trembling and adjusts to steady the utensil so that food makes it from plate to mouth without embarrassing spills. Talking thermostats are terrific aids for the visually impaired. The thermostat will say the day, date and time as well as the room temperature. Programming is simple, as the unit “talks” the programmer through the steps. The thermostat provides audible reminders such as changing the system filters and call for service alerts. Utility bills are generally kept lower and the house stays at a more comfortable setting. Contact a Nature’s Home Dealer to get a Talking Thermostat installed. Loud restaurants and damaged eardrums no longer need to cause hearing difficulties — the ReSound LiNX syncs with the iPhone via Bluetooth to control volume and custom settings. Panasonic BTGS10 and other earphones work with the advanced principle of bone conduction so you can listen to your favorite music anywhere.
Good attitude: The one thing needed to keep going By MARY HUNT Creators.com Encouragement. For me it is a basic need, or perhaps a character flaw -- I’m not quite sure. All I know is that I need encouragement, and I need it often. I have a feeling that you do, too. This matter of getting out of debt, living below our means and learning how to manage our money can be a very discouraging proposition at times. I want to become one of the encouragers in your life -- someone you can count on to cheer you on in the good times and help dust you off so you can get up and back on track during the bad times. I want to be the one you can always count on to help you see the big picture, to point out the glimmers of joy in seasons of sorrow. I want to be there to help pull you up to the top of the mountain so you can see all the beauty below. Over the years I have built up my own collection of “encouragers.” Some are people, but some are books, websites and activities like exercise and prayer. I know the people, places and things that are a source of encouragement for me. I count on them. They help me to focus and give me the confidence I need to keep going. I try to concentrate more on them than on those people and situations that tend to be discouragers. One of my favorite encouragers is a short essay written by Chuck Swindoll, a well-known author. I’ve kept this close to me for years now and have read it so often I’ve memorized it. I want to encourage you to pay
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Encouragement is one of the most useful tools when it comes to maintaining a positive attitude. attention to your attitude. Print out the following if you can and then stick it in a place where you will see it the first thing every morning. Re-read it. Apply it to your life for the day. If you do this for one full month, you’ll have it committed to memory. And in the process you’ll have a new habit of choosing your attitude for the day even before you choose what to wear. 2704 North Newton Street (Hwy 231 N) Jasper 634-7733 www.duboiscountymuseum.org
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The longer I live, the more I realize the impact of attitude on life. Attitude, to me, is more important than facts. It is more important than the past, than education, than money, than circumstances, than failures, than successes, than what other people think or say or do. It is more important than appearance, giftedness or skill. It will make or break a company ... a church ... a home. The remarkable thing is we have a choice every day regarding the attitude we will embrace for that day. We cannot change our past ... we cannot change the fact that people will act in a certain way. We cannot change the inevitable. The only thing we can do is play on the one string we have, and that is our attitude. I am convinced that life is 10 percent what happens to me and 90 percent how I react to it.
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 3
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Many clubs, like Lions Club International, are committed to service, especially during a crisis.
Clubs, fraternities help senior citizens bond By KRISTEN CASTILLO Creators.com Throughout life, it’s great to have friendship, support and quality relationships. Many male seniors are finding these bonding opportunities with men’s clubs and fraternities. “In a world of human disconnect, we need connection,” says psychologist Judy Rosenberg of Psychological Healing Center. “Nurturing long-term relationships is invaluable and one way to develop them is to show up at the same place on a regular basis. Clubs and fraternity associations offer this opportunity to connect with like-minded men of similar ages.” Whether it’s a charitable group, a dinner club, a religious organization or an athletic association, there is a large variety of social opportunities for men of all ages, particularly seniors. “Men’s clubs and fraternal associations are extremely important to men in order to feel they belong to a group, a community,” says Fran Walfish, author and relationship psychotherapist. “Male patients report to me they long for connectedness to a father-figure, a brother, a kinship with like-thinking men whom they can buddy up and relate to on a male, physical, practical, and intellectual level.” Benefits Andrew Fritz is a long-time member of Racquet Club of Chicago, a private social and athletic club, which was formerly a Men’s Club. He says there are three distinct benefits: fraternity, fidelity and camaraderie. The club represents a place where members can be themselves, talking, eating and drinking how they want. “The Men’s Club is a place where you can be who want to be without the pretension of fancy
trappings,” explains Fritz, who goes on to say, “I enjoy having the friendship and confidence of a variety of great guys who I wouldn’t ordinarily have the chance to meet and become friends with.” Shared interests Being “a part of something” makes people feel valuable, which is why clubs can be a great match for older guys. “Men in particular love to hang with other men, and seniors with seniors,” says Rosenberg. “There is something very comfortable about being with people who are at the same stage of life -- (sharing that) in common goes a long way.” Finding a group to join that meets your needs starts with identifying what interests you. “When you associate with likeminded, like-aged people, there is a sense of familiarity, comfort and a sense of acceptance that we all want and need,” says Rosenberg, noting humans are “wired to connect.” She offers these tips: ■■ Start with common ground for “an insta-connection,” such as a religious affiliation. ■■ Look for meet up clubs specific to your interests, such as cars or investing. ■■ Join places where fellow senior men would hang out. “Golf clubs, health clubs, art galleries with special events that take place on a regular basis are examples,” Rosenberg says. Clubs to consider While not all clubs are exclusively for men or just seniors, here’s a look at some of the popular clubs for service and community: ■■ Lions Club International: The largest service club organization in the world, Lions Club International, started in Chicago in 1917 with a commitment to serving the community. They’re hands-on in their advocacy for improving health, protecting the
environment and helping others, such as their campaigns to assist people with vision loss. Lions Club memberships are open to men and women as individuals and families. Currently there are 46,000 clubs and 1.4 million members. ■■ Moose International: The club dates back to 1888, where it started in Louisville to give men the chance “to gather socially, to care for one another’s needs and celebrate life together.” Nowadays the organization is focused on community service for kids, teens and seniors. It has a combined membership of over a million members in over 1,500 communities across all 50 states and four Canadian provinces, as
well as Great Britain and Bermuda. Both men and women are encouraged to join. Every year, Moose International contributes $75 million to $100 million worth of community service including monetary donations, volunteer hours worked and miles driven. ■■ Knights of Columbus: A Catholic fraternal organization, Knights of Columbus focuses on the principles of charity, unity and fraternity. Service in the community is a priority for the organization, which has over 15,100 councils and 1.9 million members throughout the United States, Canada, the Philippines, Mexico and other parts of the world.
The Knights offers financial aid to members and their families, as well as aid and assistance for sick, disabled and needy members and their families. ROMEO Club Organization (Retired Older Men Eating Out): This club, which gives members an opportunity to meet in their community, has hundreds of clubs throughout the U.S. Members typically connect online to meet at local restaurants for food and camaraderie. It’s an easygoing way to get together with likeminded seniors once a month or more often. So go on and join a local club to start networking, and enjoy your new circle of friends.
PAGE 4 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Continuing education at older age beneficial By SHARON NAYLOR Creators.com Equipped with a backpack, a laptop and a thirst for knowledge, many older adults and retirees are choosing to continue their education. The National Center for Education Statistics reported that 8.2 million students over the age of 25 attended college in 2013. The reasons for doing so are many. For one, many older adults desire to learn new skills and/ or improve existing skills to continue advancing their careers. With most companies moving increasingly digital these days, for example, it may be desirable or necessary to improve one’s knowledge of computer technology and digital industries. In general, cost of living continues to increase, as does competition in the job market. As such, many adults now choose to continue working into retirement age. In fact, it is more common than not these days to change careers multiple times before the age of retirement. So, continuing one’s education is a great way to improve personal marketability, efficiently and confidence. Many older adults seek continued education as a path to a career change, big or small. If you’ve spent decades working a job that you only mildly love, take the opportunity to learn new subjects and gain new qualifications in school so that you might finally pursue your passion. If you love architecture, take an architecture class. If you love baking, take a pastry class at a cooking school! Maybe you gave up a career in nursing in your younger years, but choose to go to esthetician school now. Not all who go back to school are looking for a career change. Many want to learn for the sake of learning! Staying mentally and physically active does wonders
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Continuing education at an older age becoming more and more common. for cognitive function, alertness and memory. Not to mention that learning new things can offer personal enrichment and fulfillment to individuals. ■■ I know what you’re thinking. How do people afford college these days? The cost of education is higher today than ever before. According to Forbes, in 2015, the national average cost of attending a four-year public college exceeded $28,000 per year, and the average cost of four-year pri-
vate colleges went over $59,000 per year. If you are considering going back to school, don’t be defeated by the thought of student loans and sky-high prices. There
are ways to make education work for you. Take a look at these options and amenities. ■■ Free tuition. According to The American Council on Education’s 2008 survey, “approximately 60 percent of accredited degree-granting educational institutions offer tuition waivers for older adults.” ■■ Tuition discounts. Your chosen school may not offer free tuition, but many schools offer specific courses at a discounted rate. This way, you may be able to continue your education without jeopardizing retirement funds. The Osher Lifelong Learning Institute network spans all 50 states and Washington, D.C. Each of the 119 institutes is part of an American university. They offer “university-level, non-credit courses and learning opportunities for people ‘50 and better.’” Fees vary, although the institute at George Mason University reportedly charges fees between $125 and $350 annually for unlimited courses over four semesters. ■■ Audit basis. Taking a course on an audit basis means attending lectures without being responsible for doing assignments and taking exams. With this approach, you can broaden your skill set, or simply get exposure to a different area of study, without test-taking
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pressure and consuming hours of study. ■■ Online courses. Many accredited educational institutions offer courses online, allowing you to listen to lectures and take tests according to your schedule. This is a great option for those who live far from a college campus or work full time. Plus, you have the added bonus of learning in the comfort of your own home. ■■ Scholarships. Some states have scholarship programs just for seniors. Research online to find one that’s right for you. When you are finding a program that works for you, there are a few considerations that may not come to mind. ■■ Cost of books, additional tuition fees and parking passes can add up quite a bit. ■■ Often, waivers are not offered for online classes. ■■ Online courses require some computer literacy. Check with the school to find out what program knowledge is necessary for a course. ■■ Though night classes work for those who are night owls, working late into the night may pose a challenge to others. No single program will work for everyone. But these options offer many possibilities for you to tailor your education to your career goals, budget and lifestyle.
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 5
Working provides opportunity for personal growth By SHARON NAYLOR Creators.com Many seniors choose to stay in the workforce past the age of retirement. The U.S. Bureau of Labor Statistics says that the percentage of people in the American workforce who are 55 or older has grown from 30.1 percent in 1994 to 40 percent in 2014, and it is projected to reach 39.4 percent by 2024. Why do adults choose to prolong their retirement? Kerry Hannon, career and retirement expert and author of “What’s Next? Follow your Passion and Find Your Dream Job,” says: “There are several reasons why seniors aged 55 and up opt to stay in the workforce. The first being income. Even if they have saved for retirement, staying in the workforce provides a safety net of additional income to bolster their retirement.” Hannon says that when she gives lectures to people in their 50s, 60s or above, there is a palpable fear among them about financial security. “There is a clear siren call to keep working.” Cost of living continues to soar in this day and age. Few people are able to save — or simply have not saved — enough money for retirement by the time retirement age approaches, so “the economic advantages of working into traditional retirement years are plentiful.” With income coming in, Hannon says, “you won’t have to tap into your Social Security now, but can wait longer, which can bump up the amount you get when you delay to age 70.” Seniors also enjoy the nonmonetary benefits of remaining in the workplace, such as physical activity and social engagement. “Seniors need to feel relevant and engaged with others,” according to Hannon. “And there are studies that show working keeps the brain active, which can help stave off Alzheimer’s. It’s empowering to keep learning, and work provides regular stimulus.” Staying mentally and physically active can improve seniors’ mental and physical health. Around age 50 and beyond, certain life experiences may encourage people to have a shift in perspective and a new outlook on life. They may start to lose family members. Perhaps they begin to experience health issues or deal with loved ones’ health issues. For whatever reason, sometimes life just takes a turn. Whatever the case, a career change at this point in life could be an opportunity for all-around positive growth. If you decide to work into your retirement and think you could benefit from a career change, ask yourself some questions. Is your current job (and will it be) the best for your mental and physical health? Is your job physically demanding? Does your job exhaust you with tons of stress and/or lots of travel? Are you passionate about your work? If you see significant negatives and desire a change, now is the time to make a move. Utilize these remaining years of your career to work at something you are truly passionate about. It may seem daunting to make a change after so many years, but it can be quite feasible. And, sometimes, a change at this age is even a more appropriate time than before! “At this point in life, your big-ticket items, such as putting your kids through school and paying down your mortgage -or paying off your mortgage -- are taken care of, so you may be able to embark upon a new career,” says Hannon. “You have the freedom to make choices.” If you be-
gin a second career at age 55, you may be able to fulfill major career goals in the next 15 years or so. Now, a career change doesn’t need to be huge. Maybe you want to be promoted to a different role in your company, or change departments, or work at another company in your industry. Whatever your aspirations, you may not necessarily need to go back to college to make it happen. Alternatively, workshops, seminars and night courses are great opportunities to learn new skills and earn certifications to widen your job prospects. “Don’t rely on your old skill set to move forward,” says Hannon. “Lifelong learning is essential for well-being, as well as for staying in the job market.” Plus, many institutions and schools offer senior discounts, making your new experiences more affordable, and therefore attainable. Hannon advises testing out the job you want to pursue before making the official leap. “Volunteer at a company in that field and talk to people who currently work that job,” says Hannon. “You may find that your dream job is not what you had in mind ... before
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Rising cost of living and small savings accounts are just two reason some people choose to work past the retirement age. investing in advanced education or cutting ties with your current place of business, it’s important to experience what you will be getting into.” It usually takes three
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Consider different ways to turn your passions into income opportunities. In this day of entrepreneurs and small-business ventures, you may consider starting an online business. Maybe you enjoy knitting or making jewelry. Hannon mentions a woman who makes pillows out of old wedding dresses and sells them online. This business model allows you to make your own schedule and have complete control over the product. The point is that there is no single mold for a typical job, and there’s certainly no single way to create a work life that works for you. When thinking about a new job, ask yourself: “Do I like to work with a team or by myself ? Do I enjoy working outside of the house, or do I prefer working in the comfort of my home? Do I work best in the morning or at night?” Retiring closes the door to your career chapter in life. If you decide to continue working into retirement, the opportunities for starting a new chapter abound. Take the time to seek out the ideal job that will improve your financial security and also your overall happiness and well-being.
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Streaming services customizable, cost-effective By KRISTEN CASTILLO Creators.com Video blogger Lane Fournerat got rid of his cable back in 2009. He built his own homemade HDTV antenna and doesn’t regret the decision. “Frankly, I was tired of paying over $100 for a bunch of channels that I never watch,” he says. Fournerat is tech-savvy, but getting rid of cable isn’t just a great solution for techies; anyone can upgrade to more modern technology. “With everyone carrying around a smartphone these days, through the internet, they have their TVs in their pockets,” says Fournerat. “We’re just substituting ABC, CBS, and FOX (with) YouTube, Instagram and Snapchat. These are going to be the cable companies of the future.” We are in the era of streaming services like Netflix, Apple TV, Amazon Fire, HBO Go and Hulu. Now may be the time to rethink cable. “Consumers should absolutely educate themselves on their TV options,” says Fern Feistel, head of marketing for Xumo, an OTT streaming platform built into many smart TVs, including LG and Panasonic. Xumo provides free content from media outlets like BuzzFeed, The Wall Street Journal, The Onion and Bon Appetit. No cable boxes or subscriptions needed. “Gone are the days when you were forced to pay whatever the cable company decided to charge,” she says. “Today, TV watchers can look at all the channels they’re paying for (and) don’t care about and seriously consider dropping their bundles in favor of free and/ or paid streaming content.” Here are some advantages and disadvantages to forgoing the traditional cable TV setup.
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Many tired to paying for television channels they do not watch are turning to streaming services. Pros Cable alternatives provide ondemand entertainment 24/7 at a much more affordable price. “The affordability of an $8 Hulu subscription to watch your favorite episodes of ‘Cake Boss,’ ‘Blackish’ and ‘Key & Peele’ is vastly more affordable than paying for an HD cable box, basic cable and extended packages necessary to get (specialty) channels,” says Feistel. And there’s an added bonus: You’ll most likely have access to all seasons of a show at once. Paying for individual streaming services also brings down the cost of your internet. It won’t be bundled with the price of cable and the cable box. Some streaming devices even have a one-time fee rather than a monthly charge. Smart TVs are equipped with
certain of streaming services, but beyond that, streaming sticks are available for purchase. Fournerat notes that “you can get a Roku, Chromecast or Amazon Fire for cheaper than one month of billing with cable, so the upfront cost is nil.” Fournerat uses his homemade HD TV antenna to watch on-air channels, such as ABC, CBS, FOX, NBC, The CW and PBS. “An antenna mixed with a streaming box and YouTube on my phone is all the entertainment that I need.” RadioShack’s chief marketing officer, Michael Tatelman, reaffirms the fact that cutting cable and turning to on-demand viewing is appealing to many TV-watchers because of its cost-effectiveness. “Experts estimate that you can save up to $500-600 a year depending on your current cable bill.”
Those who are often on the go will be happy to know that your subscription is not confined to your TV. “Many will allow you to watch your content anywhere. Your content will sync across devices, and they’re great for gaming,” says Tatelman. Take your favorite show with you on your phone or tablet. What’s more, technological advancements are still becoming more futuristic. “Now, many of these steaming devices also allow you to change channels and programs with your voice.” Despite these benefits, transitioning to a non-cable TV service may not be the best option for everyone. Take a look at some noted disadvantages. Cons Fournerat cautions “not-so-
tech-savvy crowd” from getting rid of cable, as they’d have to learn “a whole new way of watching TV.” It’s not impossible to learn, but there is a learning curve. Additionally, sports fans may not like this alternative viewing experience. Most sports are only available on cable TV, and some are even confined to specific cable providers. Those who enjoy staying current on the hottest shows should know that some top-rated shows and movies aren’t available on streaming platforms. These are the moneymakers that studios and networks prefer to keep more exclusive. On-demand streaming is absolutely cheaper than cable, but subscribing to many different platforms can still add up. “If you sign up for a variety of different streaming services, make sure you have access to all your favorites you’d be giving up through cable,” says Fiestel. “You may find that the sum total of what you pay now for subscription-based content isn’t all that dissimilar to what you were paying previously.” There’s one final drawback (although it’s really a good problem to have): You’ll have so much access to new content that you may feel overwhelmed. Cable’s future While traditional cable models rely on consumers paying for bundles of programming, Wi-Fi and even landline phones, the business model may need to change. “The future of cable TV is hard to pinpoint,” says Fiestel. But she does notice one trend. “Viewers are cutting the cord, she says. “They are ditching their cable bills and being more picky about the shows they choose to pay for.” If you think it’s right for you, hit “Refresh” on your TV technology. Your entertainment and finances will get a great upgrade.
How best to plan for the future as you near retirement By SHARON NAYLOR Creators.com As you near retirement age, you’re likely thinking about your investments, especially your 401(k). And you likely have questions. Robert Gustafson, a Certified Financial Planner, first warns you not to panic when the curtain to retirement draws open. “Many people make a big mistake in cashing out their 401(k) when the market has dipped or when those foreboding financial reports on the news and online deliver lessthan-encouraging news,” says Gustafson. “We’re a country that has been through a lot of financial ups and downs with wars and recessions, and there will always be dips in the market resulting in
dips in financial portfolios.” Riding out those dips, and not giving into your emotions is, Gustafson says, important to securing a stronger financial future during your retirement. That said, Gustafson answers some of the top Q&As related to 401(k) investment plans: Q. Is it too late to start a 401(K)? A. “It’s never too late,” says Gustafson. “Everyone should have or start a 401(k,) since it’s a great way to invest tax-deferred on pre-tax amounts.” Of course, if you started your 401(k) when you were in your 20s, you not only have years of your investments earning interest, even with market dips affecting your totals in
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 7
Furry friends play part in keeping owners young By TAWNY MAYA MCCRAY Creators.com Animals can enhance the lives of people of all ages, but they can be particularly beneficial in the lives of seniors. Research shows that companion animals, such as cats and dogs, can help improve physical and mental health, lower stress levels and blood pressure, combat loneliness, open opportunities for interacting with others and reduce depression. They can also simply help seniors stay youthful. “The most common reason seniors want pets is for companionship,” says Kelly Hill, programs manager for companion animal services at PAWS animal shelter. “The kids and grandkids are part of their life, but not on a daily basis, so there can be that loneliness and wanting to have companionship. And often a pet is the best way to fulfill that.” Hill says dogs are good for getting seniors out walking and keeping them engaged in their community. Cats, she says, are good for curling up on your lap and quality one-on-one time. “Anytime you are touching an animal and getting that kind of interaction it releases endorphins and creates a positive experience for people,” she says. PAWS shelters offer a discount for seniors, with an adoption fee of $35. Hill says people can look on their website for an updated list of adoptable animals, or conduct a search on a site like Petfinder, where you can type in the age and type of animal you want, and the area you live in, and it will list matching animals. “And calling in and asking questions about a certain animal is always a good idea, too, before you drive all the way
down and meet the animal,” she says. Hill says that when selecting an animal, seniors need to consider what fits best for their life and daily routine. An active senior might select a middle-aged dog that they can take out for nice walks or a kitten who loves to play, and a senior with a less active lifestyle or limited mobility might want an older dog that doesn’t require as much exercise or an adult cat. And it’s important to keep in mind the food and veterinary costs and daily care associated with an animal. Laurie Macrae, 70, has had her black and white mixed-breed female dog, Spot, for 15 years. In their earlier years together, Macrae says, she and Spot would take long walks together, and she even taught her pup some tricks. “She is very intelligent and responsive, so it was easy to teach her sit, lie down, roll over,” she says. Macrae recently underwent hip surgery, and while she was recovering, she paid a girl in her neighborhood to walk Spot for six months. She has since resumed walking Spot herself but admits their walks have now become quite brief. “We have grown old together, but in a healthy way,” says Macrae, who lives alone. “Both of us have slowed way down.” These days Macrae and Spot enjoy hanging out and snuggling up together on a chair. Macrae, who says she has had pets during many periods of her life, says Spot has served not only as a companion but also as a guardian to her over the years. But she has decided that Spot will be her last pet. “When Spot dies, I will not get another dog,” she says. “Pets
Having a pet as a person ages can help lower stress and blood pressure levels. PAWS CREATORS.COM
are good friends but also a huge responsibility.” Hill says it’s a good idea for seniors wanting pets to have the support of other family members who can step in if additional help is required or can take over the care of the pet completely if
need be. “If something changes in a senior’s life, if they go from living at home to moving into assisted care living, is the family ready to assist with that process with the animal and where does the animal go?” she says. “Make sure to have
a plan in place for the future.” “Owning a pet is such a rewarding experience,” Hill says. “There’s really nothing better than finding that new companion in a shelter or your local rescue and helping those animals. It just goes such a long way.”
if it’s part of your overall investment portfolio when you’re trying to allocate your 401(k),” says Gustafson, who adds that a healthy retirement portfolio combines several investment plans to maximize investments over the course of your retirement. “Again, if you invest at an earlier age, you have more time to make up for any in-
vestment mistakes. There is also more risk when you’re older, because your assets are likely higher when you’re at a later age.” So a
qualified financial adviser will become a valued partner in navigating the murky waters of your investments
Plan (Concluded from Page 6) more about the intricacies of investments, as well as evolving tax laws. They can also assess your particular 401(k) to better guide you in investing that will be best for your goals. Gustafson points out another big benefit of having a financial planner to help you: “A financial planner is a disinterested third party who can help you tame your emotions when financial reports scare you, so that you don’t make an expensive or devastating knee-jerk mistake in cashing out your investments.” Financial advisers are experienced in riding out shifts in the market, so they can provide reassurance as they help you. Q. What should I ask my financial planner about my 401(k)?
A. “Ask about any special investment options in your plans,” says Gustafson. “And definitely ask about the fees, because some fees can be very problematic, costing you more money.” At the time of your retirement, you’ll want qualified, professional advice about rolling over your 401(k) or integrating your 401(K) plans. In your retirement years, you may become widowed or become a widower, so your financial adviser can explain your options regarding the handling of your spouse’s 401(k) plans as well as your own. “In any relationship, opposites often attract,” says Gustafson. “One of you may have been a saver, and one a spender, so your individual plans may be very different. When you acquire your spouse’s perhaps heftier 401(k), you may need extra help in managing your next steps. “Look at your 401(k) plan as
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PAGE 8 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Comfortable and affordable means of travel By CHELLE CORDERO Creators.com Driving used to be fun and filled with dreams of sports cars, muscle cars, classic relics, sleek lines and convertibles. Back then, it was all about open headers, through-flow mufflers and pure power. Who cared about miles per gallon? Then life mandated practical buys of spacious family-sized vans, compact economy cars and go-through-anything SUVs. Whether we are retired and have time to travel or we’re still commuting to a job, our older selves have other priorities when it comes to choosing a vehicle. It isn’t easy to climb in and out of low car seats or scale the heights of a massive monster truck. Bucket seats are only fine when they fit; manual clutches are too much stress on aging hips; and rear seats are only useful when they have their own egress. Baby boomers grew up around cars. But the senior driver needs to consider comfort, economy, convenience, use and need. Luckily for today’s seniors, there is a large assortment of vehicles to match different tastes with style, features and amenities. Based on customer surveys and satisfaction, consider the following new and used cars: ■■ 2014 Chevrolet Impala. Userfriendly controls, forward collision monitoring* (*select models), lane departure warning*, blind spot monitoring* and good fuel economy. ■■ 2011-14 Chrysler 300. Rearwheel drive, Chrysler’s Uconnect 8.4-inch touch-screen system, electronic safety gear, available forward-collision alert and blind spot monitoring, and optional allwheel drive. ■■ 2013 GMC Acadia. A crossover for up to eight passengers, a lower step-in height, 17 city miles per gallon city and 24 highway miles per gallon, front-wheel drive or available all-wheel drive, a second-row bench or a pair of captain’s chairs, and a third-row bench that can fold. ■■ 2008-14 Honda Accord. Plenty of driver room, improved fuel economy, standard backup camera, and (EX-L models) standard forward-collision and lane departure warning systems. ■■ 2011-14 Honda Odyssey. An easy-access minivan with wide and comfortable seats. It gets 21 miles per gallon overall and drives like a smaller sedan. The 2014 model offers improved crash protection, and there’s a forwardcollision warning system on EX-L and higher models. ■■ 2013 Hyundai Genesis. A four-door, five-passenger sedan with a 333-horsepower V-6 engine, ultrasonic parking sensors, a backup camera, leather seats and automatic climate control. Optional premium package includes navigation, a glass sunroof, a power rear sunshade and rain-sensing wipers. ■■ 2014 Kia Soul. Practical for mature drivers, with chair-height seats, big doors, a heated steering wheel and ventilated seats. It’s inexpensive and fuel-efficient. ■■ 2004-15 Lexus RX. A midsize SUV with a responsive V-6 engine. It gets 18-26 miles per gallon and has a roomy rear seat, and there’s an available hybrid model. ■■ 2013 Ram 1500. A pickup truck with ample space for five or six passengers. It comes with standard stability control and brake assist, six standard air bags, a 305-horsepower, 3.6-liter V-6 engine and an eight-speed transmission. It gets 18 city miles per gallon and 25 highway miles per gallon. Two V-8s are avail-
able, a two-wheel drive 1500 SLT Crew Cab and a four-door 1500 Laramie. ■■ 2009-15 Subaru Forester. Easy access, great outward visibility, easy-to-use controls, all-wheel drive and good fuel efficiency. Newer models offer Subaru’s EyeSight suite of safety features. ■■ 2005-12 Toyota Avalon. Fuelefficient and reliable, with optional stability control (standard after 2009). ■■ 2007-14 Toyota Camry. Smaller than the Avalon but offers many of the same attributes, easy access and good visibility. There is a fuel-efficient Camry Hybrid. (Note: The 2014 Camry is not included in all recommendations.) ■■ 2004-14 Toyota Highlander. An SUV with easy access. It’s comfortable to drive. And the redesigned 2014 Highlander has a standard backup camera. Many retirees look forward to traveling the country in an RV. RVs can offer the convenience of bringing a guaranteed bed and a dine-in kitchen, which is useful for both the budget and special diets; they also avoid the need for packing and unpacking at every stop. RV campgrounds usually
CREATORS.COM
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 9
Coupons: 1 secret of financially mature people By MARY HUNT Creators.com Over the years I’ve noticed something. People who live comfortably do not do so because they are particularly wealthy. It’s because they are disciplined. They possess financial maturity. They live according to principles and rules that they impose upon themselves. I have a feeling that Jane, today’s first tipster, is one of those people. Quietly disciplined, financially mature. ■■ Luxury tax. Whenever I spend money on a “want” (as opposed to a need), I tax myself with a self-imposed rule that I must deposit 10 percent of the total into my savings account immediately following the purchase. — Jane ■■ Super cleaner. I mix rubbing alcohol and water 50/50 in a spray bottle. I clean virtually everything you can think of with this mixture. It leaves no streaks and it kills germs. I usually pay less than $1 for a bottle of store-brand rubbing alcohol and it usually makes
two bottles of cleaner. Cheap on the pocketbook and safer for the environment. — Samantha ■■ Musty drawers. To sweeten old drawers I have always used a mixture of chlorine bleach and water. If badly stained, I use the bleach full strength. I have never known it to harm the wood. I do the same with unfinished, stained and dirty frames. After bleaching they can be varnished or painted. — Ellen ■■ Coupon pouches. I use those plastic zipper pouches that kids use for pens and pencils to organize my coupons and rebates. They have a clear front and three holes punched in the side. I have several for different categories of coupons or rebates and place them in a small three-ring binder. You can either color-code them or use a label maker to label the front of each pouch. Place an additional pouch in the back of your binder to hold receipts, rebate forms and UPC’s for easy storage. I also keep a supply of small white envelopes, postage stamps, index cards and
MARY HUNT/CREATORS.COM
Binders and plastic zipper pouches are a great way to organize coupons before trip to the market. pens for easy rebate filling while I’m waiting places. The binder can also be used to keep track of clothing sizes of family members, shopping lists, to-do lists, etc. Make
it something you’ll never leave home without — Jennifer ■■ Tangy clean. Several months ago my dishwasher started oozing suds every time I used
it. It was obviously clogged somewhere with soap. My old-time appliance repairman gave me the best tip yet. Fill the soap cups with TANG Breakfast Drink and run the dishwasher empty through one cycle. Mine came out clog-free and spotless. — Sharon ■■ Quick sharpen. If your scissors are getting dull, take some aluminum foil and cut through 4 or 5 times. The result is that your scissors will be much sharper. — Sharon ■■ No more sticky. I use dryer sheets to remove the sticky residue left from price stickers. I discovered this by accident a few years back when I got tired of looking at the residue on my washer and dryer that was left by the stickers. I picked up a dryer sheet that had fallen out of the dryer, rubbed it on the residue and it came right off. I then tried it on my refrigerator and it worked again. I recently rubbed a dryer sheet on my address book and, sure enough, the sticky residue came off that, too. —Cindy
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PAGE 10 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Just a number: How old is a senior citizen? By CHELLE CORDERO Creators.com Being labeled a “senior citizen” is a term relative to your social status, your employment, the number of discounts available and how old you really feel. In other words, there is no defined age at which a person officially becomes a senior citizen. And “senior” no longer means old. Once considered a senior citizen group, the AARP begins membership at the ripe young age of 50 and offers myriad discounts on travel, dining, insurance, shopping and more; and if you are married to an AARP member, you don’t even have to be 50 to enjoy privileges. Various discounts begin at different ages, but all of them that AARP helps facilitate are in place by age 65. Today, membership in AARP is deemed a rite of passage — not an admission or acceptance of “old age.” The United States government hasn’t helped to determine what age qualifies one as a senior citizen. A baby boomer becomes a “partial” senior citizen at the age of 62, a “full” senior citizen at 66 and a “super” senior at 70, based on when he or she begins collecting Social Security retirement. And while it might affect your taxes, you don’t even need to be retired to collect Social Security benefits. Future financial considerations are making the age of senior citizen even more fluid; at this point, people born in 1960 or later will not reach full retirement age until 67. While the federal health insurance program for seniors, Medicare, still takes effect at age 65, there has
GAIJIN BIKER/CREATORS.COM
Ties to family become increasingly important as a person ages. been talk of eventually raising that age to 67 because of funding limitations. Places where older Americans can live independently and age in comfort may have the moniker of an over-55 community, senior housing or retirement com-
munity. Some small, structured communities designed for seniors have recreational facilities, shopping, medical support, dining and preplanned social events right on campus. Residences can range from free-standing private homes or town houses to smaller condos,
apartments or even studios. Each residence is traditionally designed to allow for aging-in-place with outside maintenance taken care of to allow for an easy, relaxed life. Very often, you’ll find 60-year-olds who are referred to as “the kids” and 80-year-olds who maintain
very active lives. Age seems to disappear. Even the world at large is beginning to lose the concept of senior citizens being “too old.” Models used to be considered out of play by the ripe old age of 25. Today’s hot female models and icons include Helen Mirren (70), Christie Brinkley (62), Jane Fonda (78), Veronica Webb (51) and Jessica Lange (67.) Super ‘60s model Twiggy is making a return and doing a spot for L’Oreal at the age of 66. Women drool over “silver foxes” Pierce Brosnan at 63 and Sting at 64. AARP has a list of the Sexiest Men Over 50, which includes George Clooney (55), Denzel Washington (61), Liam Neeson (63), Bruce Springsteen (66) and Mark Harmon (64). Beauty is no longer reserved for the 20-something millennials. The practice of geriatric medicine and gerontology is for adults 65 to 85. Studies have shown a significant portion of this population suffers from frailty, loss of muscle mass, incontinence, memory issues and interactions from common age-related medications. Geriatricians are physicians specifically familiar with illnesses and disorders that affect this demographic, but everyone’s body is different. When studies are done on a smaller portion of this age group -- for example, people between 65 and 74 -- there are fewer noticeable health issues than there are for adults even just 10 years younger. How old is a senior citizen? Philosopher Francis Bacon once said, “I will never be an old man. To me, old age is always 15 years older than I am.”
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 11
Recipe for longevity: Is fountain of youth in Italy? By CHELLE CORDERO Creators.com There’s a little Italian resort town where approximately 15 percent of the population of 2,000 lives into the second century of life, and an impressive 20 percent of that part of the populace lives to be at least 110 years old. The centenarians live healthy, happy and active lives, and their natural longevity has attracted the attention of cardiologists and longevity researchers who are attempting to discover the secret to their older youth. Found on Italy’s Amalfi coastline, the town called Acciaroli is a popular tourist destination and longtime fishing village. The setting is so serene and beautiful that even Ernest Hemingway made his home there when he visited Italy. Like most of the people living in the Mediterranean, they dine on cereals, vegetables, fruit, pulse, culinary and medicinal herbs, fish, meat (mainly poultry and rabbit), oil and wine, which are all ingredients in the popular Mediterranean diet known for lowering heart attack and stroke risk. According to the Mayo Clinic, the Mediterranean diet emphasizes: ■■ Eating primarily plant-based foods, such as fruits and vegetables, whole grains, legumes and nuts. ■■ Replacing butter with healthy fats, such as olive oil. ■■ Using herbs and spices instead of salt to flavor foods. ■■ Limiting red meat to no more than a few times a month. ■■ Eating fish and poultry at least twice a week. Drinking red wine in moderation (optional). The populace of Acciaroli is still unique in the number of people living past 100 years old despite many residents being both obese and heavy smokers. After a visit to the town, Alan Maisel, a cardiologist and professor at the University of California, began looking into the science behind the extraordinary longevity. Researchers have discovered that many of the centenarians also ingest rosemary and anchovies regularly. Rosemary is a fragrant herb used in flavoring chicken, lamb, pork, salmon and tuna dishes, as well as many soups and sauces. Rosemary stimulates the immune system, increases circulation and improves digestion. The increased circulation to the head and brain bolsters concentration and helps slow the advance of Alzheimer’s disease. Rosemary’s anti-inflammatory compounds are also
CIAURLEC/CREATORS.COM
The Tower of Acciaroli is in Italy, but is the secret to feeling and looking young? known to reduce the severity of asthma attacks. The herb is also a good source of vitamin A, which helps the skin and mucous membranes repel bacteria and viruses and helps to strengthen bones. Rosemary can be grown in sunny gardens with good drainage, but it is susceptible to damage from frost. It is an aromatic evergreen shrub that has the added benefit of pest control. The plant is ornamental and drought-tolerant. Anchovies, similar to sardines and mackerel, are a small, oily fish with abundant flavor and are used to add salty flavor to salads, sauces, pasta and pizza. They also have essential fatty acids, protein and other nutrients. A serving (about five fillets) is only 26 calories and provides 4 grams of protein; the average adult should get 46 to 56 grams of protein daily. Anchovies also provide healthy unsaturated fats, which reduces the risk of cardiovascular disease; eating just two servings of oily fish weekly can reduce the risk of dying of a heart attack by 36 percent. Fresh anchovy fillets add magnesium, calcium and phosphorus to the diet, all minerals necessary for strong bones. In addition, these little fish help to lower blood pressure, support circulation and are a good source of iron.
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Though some people like anchovies straight out of the tin, the canned version is usually packed in brine, and the salt can be overwhelming. There are ways to cut the strong salt flavoring. You can rinse the canned fish, eat it on bread with tomato and basil, or toss it into scrambled breakfast
eggs. Maisel noted that though the local diet may be a major contributor to the good health and longevity of the Acciaroli people, there is also the consideration that the area is very low in pollution and mountainous, so there is a lot of physical activity. In addition to
following the Acciaroli diet, he offered the following advice: Spend time outside and get a lot of fresh air, and because stress can destroy your immune system, it’s important to destress after a hectic day with long evening strolls or yoga classes.
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PAGE 12 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Do-it-yourself projects to knit, crochet By SHARON NAYLOR Creators.com What could be better on a chilly night than cozying up in front of the fireplace with a good book or snuggling under a comfy blanket and watching Netflix? When heaps of snow and thunderstorms thwart your day at the park or night on the town, there’s no need to mope around the house. These crafty do-ityourself projects, inspired by the crafts of knitting and crocheting, will keep you warm, calm and collected. One mission during wintertime is finding activities to keep us mentally and physically active and entertained. According to the Craft Yarn Council, which represents leading yarn companies, accessory manufacturers, book publishers and consultants in the yarn industry, knitting and crocheting are very popular winter activities, with many proven benefits. Mary Colucci, the Yarn Council executive director, says, “Winter is the most productive time of year for knitting and crocheting projects.” In 2014, the Yarn Council completed a survey that found that those who knit and croquet experience numerous benefits, including: ■■ Feelings of accomplishment. ■■ Improved mood. ■■ Reduced stress. ■■ Sense of confidence. Besides the positive experience that knitting and crocheting bring, there are practical benefits to these activities, as well. Items like blankets and throws will up the coziness factor in your home. And Colucci notes they can also add a little excitement and color that will brighten your space without changing your furniture. And that extra color will go a long way to lift your spirits on those gray days. “But what would I knit?” you might ask. Well, the options are endless. Among them are: ■■ Throw blankets. There are thousands of patterns to choose from. Plus, you can enhance and personalize them with hand-sewn monogramming. ■■ Quilts. You have full creative freedom here — pick from thousands of fabrics, patterns and colors to create a truly customized design. Make them sentimental by sewing in an old, memory-laden T-shirt or your kids’ baby clothes. Not only will you stay warm but you’ll also have the warmth of treasured memories. ■■ Towels. Sew a monogram or other design onto a set of super soft, plush towels. When you step out of the shower and wrap yourself in that towel, you’ll feel snug as a bug in a rug. ■■ Area rugs. Stepping out of bed onto cold tile will surely wake you up in the morning. Area rugs will keep your feet warm and even make you a bit more comfortable around the house. ■■ Pillow covers. Colucci says these are popular. Some pillow projects are quick and easy, such as iron-on designs. They add charm and personality to your furniture. ■■ Curtains. If you can hem fabric, you can switch out those wispy, summery window sheers
for heavier, chill-reducing curtains. Tired of looking at the same window furnishing all yearround? Crochet a new pattern with richer hues and textures to transform your space. ■■ Scarves. Colucci says, “Scarves are the number one knitting or crocheting project, approachable for entry-level crafters to complete, and projects range from skinny scarves to larger ‘super-scarves’ that can be worn inside for cozy warmth while watching television or worn to go out.” Knit a scarf, and you can walk out your front door with a new winter fashion statement. Sure, you could always order new blankets or throw pillows or pick some up from Target, but why not fight a dreary winter day by learning a new craft and taking on a new project? Snowed in one Tuesday afternoon? No matter. You’ll come away with something to show for it. Plus, no home improvement feels as satisfying as one you’ve done yourself. So how do you get started? Well, you’ll find free teaching tutorials online, or you could take a class at a local yarn shop, craft store or adult school. The Craft Yarn Council survey says that 67 percent of people look for new project ideas on the internet. Try the Pinterest website -- but just know that once you go on, you may never leave! You might not even have to leave the house to shop for supplies, either. Many find online
Do-it-yourself knitting and crocheting projects could be the perfect new winter hobby. SHARON TORI’S CREATORS.COM
shopping just as convenient and even more affordable than shopping in stores. And these crafts aren’t just do-it-yourself — they’re fun to do with others, too. Plan a crafting afternoon for friends and family. Everyone can work on their own projects, or you could design a group project. Can you say mem-
ory quilt? Alison Beckett, mother of four, says, “It was wonderful to introduce my kids to knitting. “They loved the challenge and were interested in doing other projects after our first. It certainly helped keep them occupied during
shut-in winter days!” While these do-it-yourself projects will certainly get you through the winter months, the end results will last for years, and the memories of making them will last even longer.
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 13
Social Security, Medicare questions answered By TOM MARGENAU Creators.com I should have kept my mouth shut. I just knew I never should have written last week’s column in which I attempted to explain the Medicare Part B premium mess. And that’s because almost before the ink was dry and your newspaper landed on your front door step, Congress changed the rules. Regular readers of this column know that I don’t like wading into Medicare’s murky waters — partly because the program is such a mess, but mainly because as a retired Social Security Administration employee, I really don’t know all that much about it. Even though many people think that Social Security and Medicare are two peas in a pod, they really are more like a turnip and a potato — similar, but two entirely different starchy fillers. The Medicare program is administered by a federal agency called the Centers for Medicare and Medicaid Services, usually known as CMS. But because CMS does not have field offices around the country, they rely on SSA to get people enrolled in the program and to deduct Medicare Part B premiums from people’s Social Security checks. So as a retired SSA employee, I know a little bit about Medicare enrollment policies. But that is pretty much where my expertise ends. However, because most people think that as someone who worked for Social Security for 32 years, I must be a Medicare expert, I get lots of questions about the federal health insurance program. And for the past month, I’ve gotten hundreds of inquiries from people about a proposed increase in Medicare premiums. I’m not going to rehash the story. Suffice it to
Travel locally on budget By JULIA PRICE Creators.com
STEVE BUISSINNE/CREATORS.COM
One year of missing earnings would have almost negligible impact on a person’s Social Security benefit. say, some people were scheduled to pay higher premiums next year and some weren’t. And last week’s column explained who and why. But the recent budget deal struck between Congress and the Obama administration looks like it will stave off any Medicare premium increases next year for everyone. As I am writing this, the budget has yet to be passed by Congress and signed by the president. But that will likely happen. So seniors once again get a sweet deal from their elected representatives. They won’t have to fully pay for all the health care services provided by the Part B Medicare program. (As I pointed out in last week’s column, we pass on the bulk of the costs to our kids. Working taxpayers pick up at least 75 percent of the costs of our Medicare Part B program.) So now I will shut up about Medicare and stick to what I know best. I’ll use the rest of this column to answer readers’ Social Security questions.
See TRAVEL on Page 14
Q: I will be 66 in two years. I have been anticipating getting the maximum Social Security benefit because I have always had maximum earnings. But I
that so-called “maximum” rate. There are many people who continue working into their 70s and even beyond, and many of those folks get a bump in their benefits each year and are getting much more than $2,663. Q: If my ex-husband dies, can I get his Social Security? A: Well, that’s like asking, “Can I get a new car next year?’ The answer depends on lots of factors. You would be due divorced widow’s benefits if you are at least 60 years old, if you are currently not married, if you are not working (unless you are over age 66), and if you are not due higher benefits on your own Social Security account. And those still aren’t all the “ifs.” You will have to talk to folks at your local Social Security office and explain your circumstances to find out if you are eligible.
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Traveling may conjure up images of exotic lands, long flights, foreign languages and pricey expenses. But sometimes the greatest adventures require minimal travel time, effort, financial setbacks and planning. In fact, there may be a new world waiting to be discovered a few blocks away. According to writer Henry Miller, “One’s destination is never a place, but a new way of seeing things.” Aside from traveling, you can gain new experiences by taking on a hobby. Learn a language at a community center or try Rosetta Stone. Then, immerse yourself in the culture. Discover gatherings of people with similar interests, where you can practice speaking your new language or engage in other activities centered on this shared passion. Check out local Meetup groups or events in your community. If you’re looking for more of a literal journey without venturing too far from home, explore discount vendors like LivingSocial or Groupon to find deals on local restaurants, plays, art walks, festivals, concerts, music shows, day-
Q: I am getting Social Security disability benefits because I have cancer. I get $1,900 per month and my daughter currently gets $950. When I die, how much will she get? Also, will my husband qualify for benefits on my record? He is working and makes a six-figure income. A: Your daughter is currently getting a rate equal to 50 percent of your benefit. But the survivor’s rate goes up to 75 percent. In other words, after your death, your daughter will start getting $1,425 per month. Because of your husband’s income, he won’t be due any benefits. However, your daughter’s Social Security checks will be sent to him in his name as her caretaker.
was just laid off. I won’t reach the maximum for the next couple years. I am very worried about this. How will my benefit be impacted? A: As I’ve explained many times in this column, there is nothing magical or special about getting the so-called “maximum” Social Security benefit. It’s currently pegged at about $2,663 per month. That would be the amount payable to someone who is 66 years old this year and has paid taxes on the maximum taxable wage base for the past 35 years. If you come up a couple years short of that, you might end up with maybe $2,600 per month. So don’t sweat it. It’s no big deal. It’s not like you get a gold star pasted to your Social Security card if you are getting the maximum Social Security benefit. And by the way, there are many people who get way more than
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PAGE 14 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Seniors need some vaccines to stay healthy By KRISTEN CASTILLO Creators.com Staying healthy is a priority at any age, particularly as a senior. Medical experts advocate getting vaccines to protect against dangerous illnesses, including the flu, shingles and pneumonia. “As we get older, our immune systems tend to weaken, putting us at higher risk for certain diseases, including the flu and shingles,” says Stephen Friedhoff, chief medical officer at Anthem’s Government Business Division. “Both diseases can cause serious complications, so older adults should be vaccinated.” Doctors say it’s not worth it to avoid vaccines. “If people do not take vaccines, they are obviously susceptible to the diseases that the vaccines are intended to prevent,” says pulmonary specialist Len Horovitz. “That can be fatal.” Influenza According to the Centers for Disease Control and Prevention, getting a flu shot every season is important because the body’s immune response to vaccines declines over time and the annual shot provides “optimal protection.” Plus, because flu viruses change all the time, flu vaccines are updated to keep up with changes. The trivalent flu shot protects against two influenza A viruses and one influenza B virus. The newest flu vaccine, the quadrivalent shot, protects against two influenza A viruses and two influenza B viruses. Typically, flu vaccines are available by shot or nasal spray. If you’re allergic to eggs or vaccines, don’t get a flu shot. Eggs are used to make the shot. “Although not foolproof, the flu vaccine may help prevent older adults from getting the flu or at least result in them getting a less severe infection,” says Friedhoff.
Seniors are advised to get vaccines to prevent the flu, shingles and pneumonia. ANTHEM CREATORS.COM
Without vaccination, seniors are at high risk of serious flu complications. The CDC estimates that 80 to 90 percent of seasonal flu-related deaths occur in people 65 or older. It also says that 50 to 70 percent of seasonal flu-related hospitalizations affect the 65-or-over age group. Shingles Shingles, also known as herpes zoster, results in a painful skin rash on one side of the face or body. The shingles vaccine can reduce the risk of developing the illness and the long-term discomfort that can linger. “An estimated 1 million Americans get shingles every year,” says Friedhoff. “Even mild cases of shingles are painful. In the worst
cases, shingles can lead to chronic pain, vision loss or even brain swelling.” Shingles is caused by the same virus that causes chickenpox. “A shingles vaccine is recommended for anyone over 50 who has had chickenpox in the past,” says Horovitz. “There is a onethird risk of shingles over a person’s lifetime if he or she has had chickenpox.” Even seniors who’ve previously had shingles should get the vaccine because it can help prevent future shingles occurrences. A shingles vaccination typically lasts five years. Pneumonia The pneumonia vaccine, called PPSV23 or Pneumovax, is recommended for people over age 65.
“A year after the Pneumovax, they should get Prevnar, which prevents additional strains of pneumococcal pneumonia,” says Horovitz, explaining that anyone with underlying pulmonary conditions, including smokers or asthmatics, should get Pneumovax before age 65. According to CDC data, a Netherlands study of 85,000 people over age 65 found that the Prevnar 13 vaccine was 75 percent effective in preventing pneumococcal pneumonia. Cost Protection from these dangerous illnesses is important. Luck-
ily, insurance typically covers the costs. “In general, the costs of both the flu vaccine and the shingles vaccine are covered by Medicare parts B and D, respectively,” says Friedhoff, noting that vaccines not only prevent illness but also save patients “the cost and aggravation of a doctor and/or hospital visit.” Getting vaccines early in the season is always advisable so you’re protected from illness and to ensure your medical providers don’t run out of the vaccines. The vaccines are quick to administer and can protect you from serious illnesses.
Travel (Concluded from Page 13) long trips -- you name it. Often the deals need to be used within 30 to 90 days, which will force you to commit to this new activity. Try exploring these sites, picking a random activity and saying yes! For a bus trip, Seniortours is a fantastic and easy-to-use, onestop shop for planning your next road trip. Select your region of the United States, then select how many days you’d like to travel. For most options, the fares are reasonable and include bus travel with an escort that will provide complimentary cocktails and other drinks and snacks, a good portion of your meals, sightseeing entrance fees and accommodations. This specific company also has a customer-friendly refund policy where you can cancel your trip up to 35 days in advance for a full refund (hotels may not be included in this, depending on their policies). “For my part, I travel not to go anywhere, but to go. I travel for travel’s sake. The great affair is to move,” said Scottish writer and traveler Robert Louis Stevenson. If you’re unattached to a destination but prefer just to have a spontaneous exploration, you can ask a friend, a relative, a neighbor or even your checkout clerk at the market to share their favorite local spot. They might send you to a lookout spot, a park, a pond with a picnic table or their favor-
ite library. This will get people excited to share something they love, and perhaps, you may even get yourself a volunteer chauffeur and private tour guide to take you around. Travel may not be an option due to physical or financial restrictions, but sometimes literature can do the trick. “Eat, Pray, Love,” by Elizabeth Gilbert will take you to several different countries on a soul-searching quest, while the classic “On the Road” by Jack Kerouac will take you on a road trip across the U.S. during the prevalent “beatnik” revolution. Talk about nostalgia. If you’re seeking a high-intensity, limit-pushing, boundary-breaking novel, “Wild,”
by Cheryl Strayed is a fascinating peek into one woman’s journey hiking solo for months to let go of her past. If reading is difficult due to poor eyesight, you can use Audible to purchase and download audiobooks. ITunes also has a vast selection of audiobooks available for download. If you are hard of hearing, you may be eligible for an auxiliary amplifier via disabledworld.com/assistivedevices/. No matter how you travel, may you see the world through the eyes of a playful child, may your spirit soar to new places, and may your mind be activated and engaged. After all, life is the greatest trip of all.
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THE HERALD ■ FRIDAY, OCTOBER 28, 2016
SALUTE TO SENIORS ■ PAGE 15
Addiction to prescription painkillers on rise By KRISTEN CASTILLO Creators.com In this day and age, incredible medications exist to improve the quality of life for seniors. Unfortunately, studies show that certain medications that help tremendously with pain also have the potential to be very harmful. The abuse of and addiction to prescription painkillers among seniors is a growing problem. According to the National Clearinghouse for Alcohol and Drug Information, as many as 17 percent of people who are 60 or older abuse prescription drugs today. And still, this figure may be “highly underreported,” says Jean M. Campbell, a licensed clinical social worker at the Action Institute of California. Medication spending for seniors far exceeds the total number of seniors in the U.S. “People 65 years and older make up only 13 percent of the U.S. population, yet account for more than one-third of total outpatient spending on prescription medications,” says Dr. Jonathan Horey, chief medical officer of addiction treatment network Sunspire Health. These days, taking multiple medications is often seen as normal for older adults dealing with health conditions, disease, etc., such as high blood pressure or diabetes. Beyond that, though, seniors who experience sleep disorders, anxiety, depression and unbearable physical aches and pains are often prescribed painkillers. Painkillers may aid these patients in the short term, but the problem is that these medications can become potentially addictive.
Why? At an older age, the body has to work harder to process any type of medication, which can be dangerous. “As the body ages, so does the ability of the liver and kidneys — two organs critical to the metabolism of medications — to do their job, and thus, there is a buildup of medication in the system, further perpetuating the potential for addiction,” says Campbell. Given that seniors often take multiple medications, the risk of taking painkillers is clear. Knowing this, it’s important to proceed with caution. Perhaps certain ailments can be treated with other approaches, such as physical therapy, holistic medicine or simply nonaddictive overthe-counter medication. If you or someone close to you takes prescription painkillers, it’s best to be informed about certain signs of addiction and ways to be proactive in preventing abuse. A senior’s loved ones can play an important role in his or her treatment. Family members and doctors must keep a current list of the patient’s prescription and nonprescription medications. They need to be in contact with the patient’s doctors and specialists, and they should make sure the senior uses one pharmacy so the pharmacist can track any medicine misuse. Prescription abuse often goes undetected, so doctors should screen elderly patients for it. If abuse is detected, seniors may require tailored treatment, as “most treatment for addiction is geared towards young adults,” Horey notes. Know that seniors often use painkillers to self-medicate and
AMANDA MILLS/CDC
Addiction to prescription painkillers rises as people age and take more medication. deal with emotional issues, too, thus perpetuating depression. Constance Scharff, senior addiction research fellow and director of addiction research at Cliffside Malibu rehabilitation center, says, “Make sure your loved one is engaged and active.” Activity, she says, “helps stave off depression.” Mixing alcohol with pain pills can be a problem for seniors, too. Scharff notes that “alcohol is the most common drug abused by the elderly. Mixing alcohol with prescription medications can be deadly.” Be warned that some seniors who are abusing or addicted to painkillers won’t admit it. Some may be in denial that they have a problem. Others may be motivated to hide it, Horey notes, because some folks of older generations may associate addiction with “intense shame.” In other cases, though, seniors
are aware of the abuse but feel their use of medication is private business. It’s not unheard of that some seniors would rather continue using painkillers than resort to unmanageable pain. Campbell says her father even used to say: “Leave me alone. Drinking and smoking are the only two pleasures I have left.”
Signs of addiction -- such as frequent falls or accidents, confusion and forgetfulness -- can masquerade as normal signs of aging. Watch for the following signs of prescription abuse: ■■ Appearing disoriented or over-sedated. ■■ Poor and unsteady balance. ■■ Increased isolation. ■■ Changes in appetite. ■■ Mood swings or personality changes. ■■ Changing doctors often. ■■ Regularly reporting medications as lost or stolen. ■■ Poor hygiene and appearance. ■■ Insisting on being prescribed prescription drugs at visits to the doctor. ■■ Requesting early refills of painkillers. If you see signs of prescription addiction, take action immediately. Proper treatment for prescription-painkiller abuse varies; every individual and every situation is different. But one thing is for certain: Addiction is a serious matter. Go online or ask physicians about treatment options available.
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PAGE 16 ■ SALUTE TO SENIORS
THE HERALD ■ FRIDAY, OCTOBER 28, 2016
Enjoy grandchildren without TV, electronics By DIANE SCHLINDWEIN Creators.com Loving a grandchild comes naturally, but keeping them busy with something other than electronics and television isn’t always easy. Let’s face it; video games can be tough competition. Luckily, folks who have lived for more than a few decades still remember what it was like to be a child and can now make new memories with a beloved grandchild. Barb and Mark Tschacher are parents of six and grandparents of 12, so they know a thing or two about spending time with youngsters. Living in the West, they often head outdoors with their grandchildren to go fishing, boating and camping. In fact, one of Barb’s favorite pastimes is “glamping” (glamourous camping) with her adult daughters and several grandkids. “We set up a campsite and just spend time outdoors, which the kids really enjoy,” Barb says. “The last time we went, we took three of the kids and parked the camper by a cabin so there was room for everyone. The 6-year-old loves it when we turn on the old-time music, cook hot dogs and marsh-
mallows over the fire and then let her dance. It really turns into kind of a performance, but we all have fun.” Even if you don’t have a camper, it is still fun to pitch a tent in the yard and camp out for the night, she adds. Remember, nothing attracts youngsters more than an interesting bug, worm or tree frog. Take you grandchild on a nature walk in the backyard or around your neighborhood. Depending on what you find, you might have to enforce a “no touch” rule, but you can still watch the insects and other small animals move, eat and make their way through grass and mud. Gayle Johnson, who owns an orchard and bakery, has another suggestion for having fun outdoors. “If you are looking for something to do when the weather is warm, why not take advantage of ‘you-pick’ berries? You can pick as many or as few as you like and it is a great way to spend a day,” she says. “It is fun and entertaining, not to mention a good activity for beautiful weather.” Older kids may enjoy helping you research your family history. Or you might just want to bring out your old family photo albums.
Kids love seeing what their grandparents and parents looked like when they were young. While you are looking through the pages, share special memories that the photos bring back. You could even have your grandkids interview you about the “good old days.” While reminiscing about the past, you might also want to think about the present and the future. Try making a time capsule together and burying it in your yard to be opened in five or 10 years. Or you can make and illustrate a calendar complete with birthdays, anniversaries and holidays. Once it is complete, you can save it for a lovely handmade gift for some upcoming special day. Other indoor activities could include sharing a special family recipe and then cooking it together, making notecards to use as thank-you cards or birthday greetings or even pulling out a seldom-used board game or deck of cards. Remember that kids need to be kids, so always keep your activities simple and fun. Knowing that you value them — quirks and all — will make your grandchildren feel special, unique, and, most of all, loved.
DIANE SCHLINDWEIN/CREATORS.COM
Sharing old photo albums and beloved books is a great way to spend quality time with the grandchildren, screen-free.
Restaurant, store discounts definite benefit of aging By KRISTEN CASTILLO Creators.com No matter whether you’re rich, poor or somewhere in between, a discount is great at any age. These days, many stores, restaurants and brands offer discounts to seniors, especially if you’re a member. From percentage-off savings to buy-one-get-one-free deals, discounts are a definite benefit of aging. “Thousands of dollars of savings” are available to the older generation, including restaurants, travel, groceries and entertainment, says Art Koff, founder of RetiredBrains.com, a Web destination for boomers, retirees, people planning retirement and people caring for older family members. While all these deals are available, they’re not always used. “The key is to always ask if there is a senior discount available,” says Koff. “More than 50 percent of the companies that offer these discounts tell RetiredBrains that those entitled to them do not ask, and in most cases, the discounts are not offered unless they are requested,” says Koff. Money savers Getting a deal can be an everyday opportunity. “We know a large number of AARP members are still in the workforce, so the offers available are designed not just for leisurely activities, but also to make everyday costs a little more affordable and are relevant to members whether they are retired or still working,” says Dave Austin, vice president of marketing services for AARP Services Inc., a nonprof-
it, nonpartisan organization for those over age 50. You have to be one of AARP’s 37 million members to get their discounts, which include 15 percent off of the whole check at Denny’s restaurants nationwide, 10 percent savings off monthly service charges at AT&T, and 5 percent off domestic and international shipping services at The UPS Store. AARP members can also get savings for financial and health services, such as AARP Vision Discounts provided by EyeMed and AARP Prescription Discounts provided by Catamaran. Many moneysaving offers don’t require membership. For example, some of the deals listed on RetiredBrains include 15 percent off Amtrak fare for ages 62 and up, 10 percent off Greyhound for adults over 55, at least 10 percent off Best Western’s regular rates for those over 55, 10 percent off Banana Republic for customers 50 or older, and 30 percent off movie tickets at Regal Entertainment Group if you’re 60 or older. Restaurants, including Applebee’s, Boston Market, IHOP and Subway, give senior discounts, too. Retail stores like T.J. Maxx, Kohl’s and Kmart offer discounts, typically once a week. Check with stores near you to see which ones offer senior discounts. Lots of supermarkets have senior discounts, too. According to The Senior List, grocery deals include Great Valu, Kroger, Publix and Waldbaum’s. Check with individual stores to find out the specific discount days and savings. Finding discounts Redeeming discounts can be
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as easy as clipping a coupon or showing your AARP or AAA card. There’s a modern approach, too: apps, emails and text or Web deals. AARP, for example, has a free AARP Member Advantages Offer Finder app, which identifies and provides directions to nearby businesses that give senior
discounts. Don’t feel overwhelmed by the process. Start small by looking into savings opportunities with your favorite products and services, and sign up on their website. They’ll email you offers on a regular basis. In most cases, you don’t even need to print the coupon, just
show the cashier the offer on your smartphone. Sites like RetailMeNot offer daily coupon codes. Consider signing up for text message deals from retailers and restaurants, too. Be aware you’ll be charged for data and text messaging rates from your cellphone provider.