Dementia Experts weigh in Avoiding DehydratioN: What Can you do?
What’s an
advocate?
SPRING2012
motivational fitness tips for seniors Foot Care & Aging SPRING CLEANING
Don’t forget your medicine cabinet
President/Editor Seth Auerbach 856-240-5001 seth@sjsenior.com
SPRING 2012 Your medicine cabinet needs spring cleaning, too.......................................................... 3 Foot health and aging...................................................... 5 DEMENTIA SECTION Unique Therapy Enhances Quality of Life for Those with Dementia and Other Brain Disorders................. 6
CEO/Creative Director Michelle Helfrich 856-912-9930 michelle@sjsenior.com Advertising Sales Stefanie Lindner 856-630-9183 stefanie@sjsenior.com
keep your brain young to avoid dementia................. 8
Bob Hagy 856-366-7624 bob@sjsenior.com
Problematic Behavior with Dementia – Figuring Out the Clues....................................................... 9
Advertising Submissions ads@sjsenior.com
Motivational fitness tips................................................. 10
Production Seth Auerbach
Support Groups: Sharing the journey........................ 12
Contributing Writers
It’s A Sunny Day for your wallet when your home is solar-powered............................. 13 Three steps toward successful aging....................... 15 The hidden costs of home hair care........................... 16 New Tricks for Finding the Perfect Swimsuit: Put a spring in your step this summer........................ 17 gardening in your golden years................................. 19
Robert J. Berglund Tami Bloom Liz Donaghy Terrie Ginsberg, DO Vicki Handfield, Psy. D. Darlene Hughes Bonnie Joffe Mary Kate Kennedy Barry Klein, DPM
Your veins – Not just a matter of being vain........... 21
Lori M. McNeely, Esq.
what is an advocate? And do you have one?........... 22
Natalie Mooney
PROTECTING YOUR RETIREMENT – IS AN ANNUITY RIGHT FOR YOU?.......................................... 24 Avoiding Dehydration: What Can You Do?............... 25 **** Correction **** In October 2011’s publication, there was a typographical error on page 19. The correct title is “Depression and the Older Adult” 1
Amanda Michelson Lisa Moran Michael Newell, RN. MSN Vance Propati Gary Skole Robert J. Stamm Eileen Weinstock Paul Vidal, PT
stead, take advantage of a new program in New Jersey that provides a safe way to dispose of your medications.
Your medicine cabinet needs spring cleaning, too by Dr. Terrie Ginsberg
For many people, spring cleaning means rummaging through closets, pantries and garages to get rid of any out of date or unneeded items. At the end of the day, their closets are less cluttered, except perhaps the most important one in the house. Spring cleaning your medicine cabinet could be a life saver. It may seem illogical, but one of the leading causes of illness in this country is the medicines we take. The Institute of Medicine has estimated that more than one million Americans are harmed each year by medication errors, including taking the wrong amount, the wrong type or the wrong combination of medications, over-the-counter products, vitamins, minerals or herbal supplements. This is of particular concern for older individuals. By middle age, many – if not most – individuals take at least one prescription medication. Older Americans purchase approximately 30 percent of prescription medications
and nearly 40 percent of overthe-counter vitamins, supplements and non-prescription medicines for pain, indigestion, sinus or bowel problems. Spring cleaning your medicine cabinet is much easier than tackling the same task for a garage or basement. Start by making a list, for each person in your house, of all prescription and over the counter medications currently in use. Under each individual’s name, list their medications, strength and dosage taken. At the bottom, list any allergies to medications that person has. Put the lists in a safe place and make sure each person’s primary care physician gets a copy. Next, collect any prescriptions that you no longer take and any medications that are beyond their expiration date. Don’t just pitch them into a trash can where children or pets could find them. And don’t flush them down the toilet as they can eventually make their way into ground or drinking water. In-
“Project Medicine Drop” has installed secure drop boxes in several South Jersey police departments where residents can dispose of old, unused or unwanted medications. The Cherry Hill Police Department is the newest location and drop boxes are also located in the police department buildings in Palmyra, Avalon and Vineland. State officials anticipate that at least one drop box will be available in each county by the end of this year. If you can’t get to one of these sites, check if your pharmacy offers a medication disposal program. You can also dispose of some medications in your trash, by placing the medication in a sealable plastic bag, adding water (if the medications are pills or capsules) and then adding kitty litter, sawdust or coffee grounds to make the mixture less appealing to animals or small children. Seal the bag and put it in your regular trash. Next, it’s time to check your medical supplies – from antiseptics to sun screen – to make sure all are well stocked and up-to-date. Throw out any bandages that are no longer in a sealed wrapper. Then, gather supplies for a basic first-aid kit in a separate drawer or cabinet that includes: • Several sizes of bandages and sterile gauze pads • Hypoallergenic tape (continued on page 11)
3
Foot Health
&
Aging Dr. Barry Klein
Medicine and health awareness have progressed so rapidly since 1900 that life expectancy of the average American has increased by about 30 years. Older persons have become an increasingly significant proportion of our total population — and their numbers are growing rapidly. In 1900, for example, there were three million Americans aged 65 or older. In the year 2000, older people outnumbered children for the first time in history. If older people are to live useful, satisfying lives, they must be able to move about. Mobility is a vital ingredient of the independence that is cherished by our aging population, and foot ailments make it difficult or impossible for them to work or to participate in social activities.
dry skin, brittle nails, burning and tingling sensations, feelings of cold, numbness, and discoloration. Always seek professional care when these signs appear.
Foot Problems Can Be Prevented For reasons that are difficult to fathom, many people, including a lot of older people, believe that it is normal for the feet to hurt, and simply resign themselves to enduring foot problems that could be treated.
There are more than 300 different foot ailments. Some can be traced to heredity, but for an aging population, most of these ailments stem from the cumulative effect of years of neglect or abuse. However, even among people in their retirement years, many foot problems can be treatAccording to the US National ed successfully, and the pain of Center for Health Statistics, im- foot ailments relieved. pairment of the lower extremities is a leading cause of activity Whether due to neglect or abuse, limitation in older people. As if the normal wear and tear of the foot problems weren’t enough of years causes changes in feet. As a nuisance, they can also lead to persons age, their feet tend to knee, hip, and lower back pain spread, and lose the fatty pads that undermine mobility just that cushion the bottom of the as effectively. The NCHS says feet. Additional weight can afone-fourth of all nursing home fect the bone and ligament strucpatients cannot walk at all and ture. Older people, consequently, another one-sixth can walk only should have their feet measured for shoe sizes more frequently, with assistance. rather than presuming that their Mirror of Health shoe sizes remain constant. Dry The human foot has been called skin and brittle nails are other the “mirror of health.” Foot doc- conditions older people comtors, or doctors of podiatric med- monly face. Finally, it’s a fact icine (DPMs), are often the first that women, young and old, have doctors to see signs of such sys- four times as many foot probtemic conditions as diabetes, ar- lems as men, and high heels are thritis, and circulatory disease in often the culprits. the foot. Among these signs are (continued on page 11) 5
DEMENTIA SECTION
Unique Therapy Enhances Quality of Life for Those with Dementia and Other Brain Disorders By Mary Kate Kennedy, BS, CMC, CIRS-A, CSA One of the seemingly best kept secrets for enhancing the quality of life for those living with dementia and other brain disorders is a modality called Neurologic Music Therapy (NMT). Scientific studies out of the University of Colorado have shown that when different types of music and certain forms of rhythm are used in a particular process, the results can provide symptomatic relief of mild to moderate dementia, and surprisingly, even for those with the most advanced disease. In addition, these studies have also found NMT to improve the effectiveness of therapies for other types of brain injury or disease, such as stroke, Parkinson’s, Huntington’s, and Multiple Sclerosis (MS). We can all name certain songs or even music genres that stir our soul. Perhaps a particular melody can promote vivid recall, transporting us to a pleasant and memorable time in life. Sometimes, our emotions can soar -- or plummet -- depending on what is playing. For those whose behaviors and functioning are
now impacted by changes in the brain, studies have shown that Therapeutic Music Interventions (TMI) serve to soothe, distract, promote healing, and enhance quality of life. What are some of the positive results of NMT? Improved coping skills, mood control, enhanced cognition, increased reality orientation, awareness of self and others, to name just a few. NMT carries such a proven scientific track record of positive outcomes that may be covered by some insurance plans, if criteria are met. Much like the way physical therapy is implemented by licensed and trained professionals, so too is NMT. Colleen Brigid Fitzpatrick, a consultant to 1 Link 4 Senior Care, Inc., is one of only eight specialty-trained NMT professionals in the State of New Jersey. She calls NMT “the secret of sound.” NMT uses many specialized TMI techniques including Cognition Training, Speech and Language Training and Sensorimotor Training. To find out more about the science behind 6
NMT, visit the website for The Center for Biomedical Research in Music at Colorado State University. http://www.cso.colostate.edu/pdf/music_web.pdf Best practices in care management should include evaluating whether or not NMT or other therapeutic art forms could support symptom relief and be effective in enhancing traditional medical treatment. Moreover, family members and care givers benefit from NMT as well because challenging behaviors and moods of patients are better managed in the process. Mary Kate Kennedy, BS, CMC, CIRS-A, CSA is a nationallycertified Geriatric Care Manager and Resource Specialist in Aging and Disability Services at 1 Link 4 Senior Care, Inc. She helps families find solutions and coordinates services to improve quality of life for seniors and adults with disabilities. For a free consultation call 856-939-5005 or email: solutions@1link4seniorcare.com
Keep Your
DEMENTIA SECTION
Brain Young to Avoid Dementia! By Amanda Michelson
As seniors face the unavoidable aging process, they usually associate their goals to stay healthy with exercising at the gym. While maintaining physical fitness is important, what people do not generally realize is that their bodies are not alone in needing exercise: their brains need it, too!
Socialize
By Amanda Michelson
rization. Whether it is learning Now parents have an excuse to the order of steps, notes, or new call their kids 10 times a day— words, the brain must stay active it’s for health reasons! Simply to remember what it has learned. engaging in conversation and Stay Fit surrounding oneself with people rather than living in isolation can Diet and exercise don’t just help help prevent dementia. By so- the body; they help the mind, cializing with others, people are too. According to Livestrong, food that is rich in Omega 3, an Dementia is the decline of cogni- required to remember and retain oil found predominantly in fish, tive abilities, and the older a per- more information, a skill that benefits brain cell growth that son becomes, the greater his or must constantly be exercised to can slow or prevent dementia. her chances are for developing maintain. Joining a book club is Fruits and vegetables, as always, it. The most commonly known an excellent way to not only in- are also healthy choices. Exerform of dementia is Alzheimer’s teract with others, but to stimu- cise releases endorphins into the Disease. According to the Na- late the mind with ideas from the brain triggering a happier mood, tional Institute on Aging, “A nu- book itself. and research has shown that tritious diet, physical activity, calmer, less stressed people are Play Games social engagement, and mentally less likely to develop dementia. stimulating pursuits can all help Crossword puzzles. Scrabble. people stay healthy.” While it has Chess. What do these games all Amanda Michelson is the Kennedy not been entirely proven, there have in common? They make you Health System’s Marketing Intern. are continuous scientific links think! When the brain is strate- Kennedy’s ElderMed Program is a between mental exercise and de- gizing, it is also exercising. Prob- free membership program for peolem solving and concentration all ple 60 and older. A variety of free mentia prevention. factor in to sharpening the mind. and low-cost programs are offered throughout the year. Join by calling For those who don’t know where 1-800-522-1965. to begin when it comes to getting Learn Something New the brain wheels turning, here Taking up hobbies, such as dance are some beneficial—and fun-- lessons, music lessons, or even activities that keep minds sharp: language lessons, require memo8
DEMENTIA SECTION
Problematic Behavior with Dementia – Figuring Out the Clues. by Gary Skole
Caring for someone with dementia, which includes Alzheimer’s, is much different than caring for someone with other senior related ailments. After many years of providing home health care services, we have learned that caring for a dementia patient can be extremely complex, and both the agency staff and caregivers in the field need special training to provide proper care. Simply being a kind, compassionate person does not necessarily qualify someone to care for people with difficult behavior problems, although it is helpful. Education and training are critically important. There are over ninety different types of dementia, and each type can have its own special challenges. Understanding what type of dementia is the first step to understanding how to properly care for someone. However, even if two people have the same type of dementia, they may still act very differently. Many behavior problems stem from the fact that the affected person loses the ability to realize what is wrong or how
to communicate the problem if be extremely informative. The Alzheimer’s Association also ofthey do know what it is. fers support in many other ways As an example, if the person is and is a great resource for people bored, they may decide to go in need of assistance. for a walk or wander instead of verbally telling you what is both- The key is to remember that you ering them. Someone who is re- do not have to do it all alone. Supsisting a bath may be doing so port groups have been found to because the room temperature is be extremely beneficial for many. too cold or the water level is too Additionally, enlisting the help of deep. Unfortunately, their inabil- family or friends can allow you to ity to express the true nature of get a much needed break. Profestheir problem and the accompa- sional caregivers who are trained nying actions can be interpreted in caring for dementia patients as agitation or some other prob- can also be of great assistance. lematic behavior. The person is They can provide a variety of then classified as difficult to care different services based on your for and is prescribed medica- particular needs, including over tions for sedation, when what is night help, 24 hour live-in care or really needed is to figure out the just a few hours a day. Keeping a person with dementia at home is cause of their problem. often the preference of both the Unfortunately, figuring out these patient and their caregiver and is triggers is not always easy. That possible with the right support. is where training and education come into play. There are sev- Gary Skole is the owner of Assisted eral good websites loaded with Living At Home, a locally owned valuable information to help the home care provider specializing caregivers with this process. in care for Alzheimer’s / dementia patients in the comfort of their Additionally, there are training home. 856-273-6440 or workshops provided by the Al- info@enrichedcare.com zheimer’s Association which can 9
Motivational Fitness Tips By Dr. Vicki Handfield
We can’t control aging, but we can control how much it impacts us. You can develop muscle mass easily, even at an advanced age. A small amount of exercise can make massive differences, including how well you recover from surgery and illnesses. My 88-year-old mother bounced back from knee replacement surgery quickly, because she was fit from a regular walking routine.
These factors make it even more important to start small and treat yourself kindly. The days of ‘no pain, no gain’ are over! I’m going to describe in detail the steps you can take to get stronger.
something else. Come back to it later, preferably the next day and review your musings. See what the common threads are, and make notes about them.
Use your initial thoughts to help create your foundation, PAINT Write it Down YOUR PICTURE. Weave your First, get yourself a fresh notesignificant beginnings into creatbook and a pen you like. And ing your plan. Write about what START writing! Even this small you see in your future, your desires. Getting into better shape physically can be about wanting I’m not going to inundate you to feel more confident, stronger, with information you’ve seen and able to accomplish tasks in a million times regarding the a safe, efficient manner. It can benefits of fitness. You’ve mean playing more with your known it for years. The grandchildren, or gardening. issue is: How do you get It can be about wearing difstarted and stick with it? ferent clothing, or traveling Visualize a thick piece and staying on your feet lonof glass in front of you ger, seeing more museums or blocking you from exertowns. cising. It’s very frustrating. There are so many aspects of This block is made up of all being in better shape, so it’s reyour negative expectations ally important to identify what and experiences, including it is that you really want! This not wanting to face the realities is so important because it helps of being out of shape and overyou maintain the motivation to weight. If you don’t have an exercise history, you are facing a first step can be difficult. Write engage in exercise activities. Molot of uncertainty, doubt, fear the first thing that comes to your tivation is everything. All of us and shame. Some people I’ve mind when you try to think of have begun to make changes but helped have very bad memories exercise. It might be something not continued when that thick of gym classes when they were simple, like “oh no”, or “oh yes, I piece of glass arose. This ineviyoung. Most of us would prefer want to”. It might be more com- tably led to feeling disappointed to do just about anything else ex- plex. Whatever it is, just write and self-critical. The beginnings cept face these feelings, memo- until you have nothing else to of good habit changes become ries and realities. say and then put the pen down. the milestones and markers that Leave your writing alone and do keep us on the path and help us (continued on page 14) 10
(continued from page 5)
partment of Health and Human over-the-counter foot products Services campaign endorsed by only with the advice of a Observing preventive foot health podiatric physicians, to encourpodiatrist. care has many benefits. Chief age understanding and applica- • Bathe your feet daily in lukeamong them are that it can intion of preventive medical pracwarm (not hot) water, using crease comfort, limit the postices. a mild soap, preferably one sibility of additional medical containing moisturizers, or use problems, reduce the chances of Foot Health Tips a moisturizer separately. Test hospitalization because of infec- • Properly fitted shoes are esthe water temperature with tion, and lessen requirements for sential; an astonishing number your hand. other institutional care. of people wear shoes that • Trim or file your toenails don’t fit right, and cause seriKeep Them Walking straight across. ous foot problems. Studies show that care for a bed• Inspect your feet every day ridden patient costs much more • A shoe with a firm sole and or have someone do this for soft upper is best for daily than care for an ambulatory payou. If you notice any redness, activities. tient. In their private practices swelling, cracks in the skin, or and in foot clinics, podiatric phy- • Shop for shoes in the aftersores, consult your podiatrist. sicians are providing services denoon; feet tend to swell during • Have your feet examined by a signed to keep older people on the day. podiatrist at least twice a year. their feet, and they serve in hos- • Walking is the best exercise pitals and nursing homes across for your feet. Dr. Barry Klein, in addition to trainthe country. • Pantyhose or stockings should ing podiatric (foot and ankle) surgical residents at both Virtua HospiRecords indicate that amputabe the correct size and prefertal and the Summit Surgical Center, tions and other forms of surgery ably free of seams. he is in private practice with his due to infections of the feet, • Do not wear constricting wife Dr. Debra Klein with offices in many brought about by diabetes, garters or tie your stockings in both Pine Hill and Florence New have been significantly reduced Jersey. For additional information knots. in recent years because of early concerning other foot and ankle diagnosis and treatment. Further • Never cut corns and calluses problems, you should go to their with a razor, pocket knife, or reduction in this area is a goal of web site at www.DrsKleinOnline. other such instrument; use Healthy People 2010, a US Decom or call 856-783-3366.
(continued from page 3) • Ice pack or sealable plastic bags • An elastic bandage for wrapping sprains or securing ice packs • Antiseptic wipes and hydrogen peroxide for cleaning wounds • Anti bacterial cream or oint-
ment and calamine lotion or hydrocortisone cream • Tweezers • Aloe lotion for burns, including sunburn • 30 SPF (or higher) sunscreen • Acetaminophen, ibuprofen or aspirin for minor aches and pains Remember that over the counter medications and dietary supplements should be treated like 11
prescription medications. Read the labels carefully for proper dosage and to contact your physician’s office to ask about any interactions with prescription medications you’re taking. Dr. Ginsberg is a geriatrician with the New Jersey Institute for Successful Aging at the UMDNJSchool of Osteopathic Medicine in Stratford.
what brings people to a group? Perhaps it is the characteristics, the uniqueness and individuality of a group which are the main reasons people return from one meeting to the next.
Support Groups: Sharing the Journey
Just as the words say, “support” groups, these groups do, in fact, provide the support, the encouragement and inspiration to its members. Ideally, groups function within an environment or milieu of trust with others who share common concerns and challenges. People can, therefore, be helpful to each other and feel secure enough to share their feelings and ideas.
By Eileen Weinstock Knowing that you are not alone can be reassuring and comforting. Support groups provide just that opportunity. What is interesting is that there is so much diversity among support groups, not only their respective interests, but the differences in structure, location, & leadership. Historically, going back to the early twentieth century, people have sought out others within their community and neighborhoods. Settlement houses and recreational centers, such as the Young Men’s & Women’s Christian Associations & Young Men’s & Women’s Hebrew Associations were centrally located and easily accessible to the community for people to gather. Religious institutions also have been centers for people to meet and share common interests and beliefs. Then, years later, in the mid 1950’s and 1960’s, a different
kind of group emerged, namely, small support groups with a larger reach, extending beyond one’s local community. These became known as “self help” groups. They were as numerous as the many different issues they promoted. Probably, the earliest and most recognizable one is the twelve-step AA or Alcoholics Anonymous Groups. So, what exactly is a support group? It is usually a small group of people, anywhere from a few members to twenty to thirty people, sharing a common interest. The common interest can be educational, religious, social, health related, and so on. Examples include groups for parenting, women’s issues, widows and widowers, those divorced, a book study group and so on. Common interest, however, is just the beginning. The most thought-provoking question is
As noted earlier, other important features of groups include structure and leadership. These also vary greatly depending upon the particular interest or issue, as well as the meeting location. Most self-help groups tend to be informally structured with leaders designated from within the membership. The location can be any convenient and accessible site. Other groups, such as those with a medical or health related focus, are more structured and most likely will have a professional leader, more commonly known as a facilitator. Additionally, most support groups are open to new members and have no monetary fees. All groups have specific meeting arrangements; some may meet weekly, biweekly or monthly. Although members have similar issues, each person brings their own unique life experience (continued on page 20)
12
It’s A Sunny Day for your wallet when your home is solar-powered What if, back in 1992, you could have locked in the price of a gallon of gasoline for the next 20 years at the then-current level of $1.05? That would mean, today, when you pulled up to the pump, you would be paying 75 percent less than the current price of nearly $4 a gallon.
roof or in the yard, can produce enough free, renewable electricity to power your dwelling. The only limits on the amount of electricity created are the placement and angle of the array and Your savings would be tremen- the presence of any blocking dous. elements such as trees or other Well, now there’s a way you can structures. do the same thing with your After receiving the necessary residential electric bill; you can permits on your behalf, the comreduce what you’re paying, and pany building your system will end up with a clean and self-suf- install a “net meter.” This device ficient source of energy. looks like a standard meter, but This is the new world of solar energy for single-family homes and it’s a way for you not only to help the environment but also to manage expenses – especially if you are on a fixed income. One of the common misconceptions about solar energy has been that it is very expensive to own and operate a system. Today, a number of companies are offering affordable lease plans with the goal being to reduce a customer’s energy costs and, hopefully, eliminate their electric bill.
it runs forward when you draw power from your local utility and runs backwards when your system is producing electricity. At the end of each billing period, in addition to your lease payment, you pay the “net” amount that remains after all the forward and backward spinning. In most cases, this can be less than what you currently are paying.
A solar power system also increases the value of your property. Homeowners with solar panel installations also can be eligible In ideal circumstances, a so- to receive Solar Renewable Enlar panel array, mounted on the 13
ergy Certificates (SRECs). These certificates are commodities and can be sold or traded for profit, or signed over to the lease company to further reduce your payments. The first step in the process is to speak with a solar energy expert and schedule a free analysis. During this assessment, your energy needs will be studied along with such factors as the orientation of your home and yard in relation to the sun’s daily path and the number and location of trees and other structural features of your home, property and neighborhood. Using this information, the company performing the analysis can estimate how much electricity your system can create, both on sunny and cloudy days, and whether or not the panel array can produce enough energy to completely eliminate power purchases from your local utility. Your lease or purchase payment plan also will be structured using this information. (continued on page 14)
to a store, a book – something you’ve been meaning to get, or achieve our goals. Good begin- something you’ve been wanting – nings lead to good places. that you can control. Plan to give yourself rewards for achieving Identify Strengths your goals during the small steps & Start Small phase. All of us have struggled, persistAnd, find yourself an accounted and achieved goals and can ability buddy – a friend, spouse, recall how long it seemed to take co-worker, neighbor, a profesand how good it felt to FINALLY sional, anyone who has your inget there. Remember a time like terests at heart. This is someone this and think about the strengths who can check on your progress, that got you there. Write about who is kind-hearted and consisthem and how they will help you tent. You can even set up a treat in this important change as well. for both of you when you achieve Now you are ready to make the your goals. plan that will work. Identify very When you follow these steps, small steps. For example, find a you will successfully make the fitness trainer and make an apchanges you’ve long wanted and pointment. Or, if you are going to needed to make, feeling a tredo this on your own, write down mendous sense of accomplishyour overall goal, i.e. – “I will be ment and healthy pride. You will exercising 3 times each week, for also have a toolbox full of useful 30 minutes a day, within the next ways to make healthy changes in 3 months”. Then write down the any aspect of your life. Each time small steps you will take to get gets easier with practice. Enjoy! there: “I’ll do 5 minutes of walking, 3 days this week”. Plan to Dr. Vicki Handfield has been a build very slowly, adding anoth- licensed clinical psychologist for er 5 minutes next week, for ex- over 30 years. She is a 60-year-old ample. This works. Many times, stroke survivor, who has mainI have recommended this and a tained a 50-pound weight loss for client has tried to do 30 minutes 13 years. She now helps others stay mentally and physically fit at on a treadmill, but has had musany age. To learn more visit www. cle strain afterwards, and then gethealthygethappy.com or call avoided exercise for months. 609-386-5941. The small steps are very easily achieved, and the feeling of success is really helpful and encouraging. This is the bottom line for creating habits that are rock-solid, like brushing your teeth. (continued from page 10)
Rewards & a Buddy Next, identify small, everyday rewards to give yourself (generally not food!), like a movie, a trip 14
(continued from page 13) Since every house, yard, customer and situation will be different, every system is custom designed and built. Because of this, not every homeowner will be able to completely eliminate electricity purchases from the local utility, but that always is the goal. This is why a solar energy assessment is needed. In addition to financial benefits, there are – of course – the advantages of clean, efficient, renewable energy. When electricity is produced by burning coal, kerosene or diesel fuel, pollution is inevitable. Solar power systems produce electricity without giving off carbon dioxide or other toxic byproducts. A solar array on a single home can, over 20 years, prevent six tons – 12,000 pounds – of carbon dioxide from entering the atmosphere. Solar electric systems convert sunlight into electricity through the use of solar cells made out of semiconductor materials similar to those at the heart of today’s computers and other electronic devices. When these materials absorb sunlight, electrons are knocked out of orbit in their atoms and are channeled through a circuit built into the cell to create an electrical current. In the Northern Hemisphere, south-facing solar systems are ideal, but ones facing southeast or south-southwest can be used with minimal loss of production. (continued on page 26)
Three Steps Toward Successful Aging By Vance Propati, Michael Newell, RN, MSN and ➢Lori M. McNeely, Esq.
Long term planning for an aging senior can be difficult because families never know exactly what accommodations will be required in the future. As a senior’s health declines, making the right choices in order to maintain quality of life becomes a complex task which is further complicated by the urgency of action required if health changes are sudden. This article addresses how seniors, and those who care for them, may plan appropriately for the coming challenges. Most of us begin planning for old age by assuming the “simple scenario”. In this scenario, we live a long and fulfilled life, which ends with a quiet passing in sleep. Such a scenario requires very little assistance or intervention in order to maintain a healthy and comfortable living. Followers of the “simple scenario” may prepare for the future by creating a Will, a Living Will, or sharing desires with family members. Many of us feel content with this preliminary stage of planning because it is sufficient for our current state of health, and we are unable to predict when or how changes in our health might occur.
more planning time in the future, will make future decisions less stressful. Three key steps toward making this transition as stress-free as possible include: 1) providing for early detection of health deterioration, 2) learning now about the options for adequate physical and mental support systems, and 3) implementing a financial and legal game plan to support these objectives. Most of us assume that all physical and mental support can be provided by family members. The reality, however, is that the majority of the caregiving is borne by a single family member. This individual may eventually become burnt-out, and along the way substantial damage can be done to family relationships. Seniors should consider the possible utilization of outside support and caretaker services, and remember to include funding for caregiver relief in their financial planning.
If a catastrophe should occur, such as a fall that leads to hospitalization and disability, a plan of care must be devised immediately and support must be provided at home or when the patient reTaking a few simple steps now, turns home. The immediate short to give seniors and their families term plan may not be the best 15
long term plan. Seniors will need time for traumas to heal, medications to stabilize and to adapt to their changing functional abilities. Families who care for loved ones need to be patient. Home health care agencies are a valuable resource not only to healing seniors, but to coping families who might need respite services provided by such agencies Early Detection: The best solution for early detection is to create a preemptive plan of care. By implementing mechanisms now to monitor seniors as they age, any decline in functioning will immediately be detected by loved ones. Family members should make every effort to involve themselves in the scheduling of regular doctors’ visits for their aging parent or spouse. Regular dental visits and eye care also are essential, but frequently are overlooked unless the senior has an obvious problem. Family members should attempt to accompany their loved one on as many of these visits as possible. It is a good idea to take notes at these visits, and keep a separate note pad or book for this purpose. Families in tune with the changing needs of aging loved ones will be better able to understand what support systems are needed in order for their loved one’s quality of life to be maintained. If there are no loved ones living nearby, or if work and family schedules preclude family members from being involved in this way, the services of outside care providers can fill this gap and provide support for the senior and his/her family. (continued on page 23)
No Messy Cleanup Home services can be very messy and inconvenient. You may end up staining your clothing, towels and everything around you. It will probably cost more to replace these household items than to pay for the service in the first place! Your salon professional has the right facilities, equipment and experience to minimize the mess – let them take care of the cleanup while you walk out looking fabulous.
The Hidden Costs of Home Hair Care By Natalie Mooney and Darlene Hughes Think doing your own hair at home is an easy way to save money? It may be costing you more than you think. The up-front costs of making that appointment may seem higher, but professional salon services are well worth the investment. You’ll save time, and have the peace of mind knowing that your hair has been done correctly. Let’s look at what you get for your investment:
High Quality Products That aisle of hair color at your local grocery store isn’t the same quality as salon-grade products, and is not always cheaper – especially if you have long or thick hair, which would require you to buy more than one hair color kit. You also need to choose the correct type of hair color. If you are coloring your hair to cover grey, a product that is recommended for grey hair should be used. Some hair color is not meant to cover
grey hair, and may only blend the grey. A good stylist will be able to know what is needed for your desired results, and can help you choose a color that best complements your natural skin tones and lasts longer.
A Sharp Cut And don’t forget that the foundation of any good style is the cut. Even if you opt to try coloring or a permanent wave on your own, don’t skimp on the haircut! Many stylists and clients agree that a good haircut is the best way to spend your money, giving you a style that is both attractive and easy to manage. You could have the best looking hair color or permanent wave, but a bad haircut can ruin your whole look. Many stylists will also give you some hints and pointers on how to care for your hair between visits. A good stylist will recommend products that will help to maintain your color if needed and tips to achieve your style. 16
A Little Bit of “You” Time
Everyone deserves a little pampering, and an appointment at the salon can give you just that. Being worked on at a salon is very relaxing. A good stylist will give you a great shampoo, and many people agree that the best part about going to a salon is the shampooing experience. A good stimulating scalp massage feels great and is very invigorating. Then, while the stylist works his or her magic, you can sit back and take your mind off of things for a while.
Accessibility One last thought for the handicapped clientele. If you’re wheelchair bound, you know this brings special challenges when looking for salon services. While the law requires salons to be handicapped accessible, there’s no requirement that they be handicapped equipped. Without the proper sink facilities you may be unable to receive chemical services such as hair color or a permanent wave, and even (continued on page 27)
New Tricks for Finding the Perfect Swimsuit: Put a spring in your step this summer By Lisa Moran, Product Manager, Amoena USA Corporation For most women, swimsuit shopping is an agonizing, frustrating experience. Typically, the lighting in the dressing room flatters no one, and baring so much skin in front of a full-length mirror is just...scary. Breast cancer survivors face even greater challenges when looking for the proper fit. A suit that is both comfortable and flattering can be especially hard to find for women who’ve had surgery.
Have no fear. Help is here— and it comes in many shapes and sizes.
to fit a breast prosthesis. Thankfully, with today’s improved offerings you can focus on finding a suit that is right for your body and most likely it also will accommodate your post-surgery needs. The Amoena 2012 Swimwear Collection offers a colorful variety of one-piece, two-piece and swimdress styles to flatter every body type. Each suit also features pockets that hold a breast form securely in place. Follow these tips to find just the right suit for your body this summer:
Manufacturers including Amoe- • Short torso: If your body is short in proportion to your na, Jodee and Land’s End are legs, you will want a swimsuit paying attention to the unique that emphasizes your upper needs of survivors. There are sevbody. Try a halter-top paired eral suits cut high under the arms with bikini bottoms that sit low or at the neckline to hide scars. on the hips. Also, many styles are pocketed
• Long torso: Go for a one-piece swimsuit or bikini with highcut legs to make your legs look longer. • Pear shape: Try pairing an eyecatching printed top with modest bottoms in a solid, dark color. A non-skimpy bottom piece will make your bottom look smaller and shapelier. The combined look will draw attention toward your most appealing features. Try Amoena’s Berolina blouson top with black bottoms. • Plus size: For an overall minimizing effect, look for swimsuits in darker colors, but black isn’t your only option. Deep reds and blues will have the same effect and are a bit more fun for summer. Women with darker skin can sport (continued on page 18)
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(continued from page 17) • Round Tummy: Choose a tankini or one-piece with a thick band that emphasizes your waist, with pleating going down from it to the hips. Another great way to make your stomach look smaller is to wear bottoms in a bright color with a top that starts at the same bright color and fades into a darker shade at the stomach. Many women love the fit of Amoena’s Boston tankini set, which comes in turquoise/blue, and has figure-slimming shirring (gathers) in the front. bright colors. Don’t be afraid of patterns, either. For example, a (small) two-color floral pattern can be a better option than a solid because it diverts attention from the body. To accentuate curves in a one-piece, look for a fitted swimsuit with a defined waist and a high percentage of Lycra/spandex. A high-cut leg will also slim your legs and hips. Amoena’s Vancouver Surplice one-piece style is worth trying.
Amoena also recently launched a new and improved swimform, featuring raised waves on the back to allow air and water to flow through, reducing the amount of suction. It offers improved performance in and out of the water—and you don’t have to worry about embarrassing suction noises. As a bonus, it’s packaged with a waterproof drawstring bag that can also hold a swimsuit.
There is no sure-fire way to rid yourself of the dread that comes with putting on your swimsuit for the first time in the summer and stepping out into public. However, if you follow these tips to find the right suit for your body type, you may have more confidence walking on the beach or up to the pool. There may even be a bit of a spring in your step. To view all of Amoena’s 2012 swimwear styles, visit www.amoena. com/swim.
Gardening in Your Golden Years By Liz Donaghy
One of the great things about gardening is it is timeless. Your grandparents may have taught you how to garden and now you may be a grandparent who is teaching your grandchildren a thing or two about nature and one of America’s most popular pastimes. What’s great is you may find you have more time to spend gardening, what’s not so great is the toll that gardening can take on your body. Traditionally it’s been hard work to maintain a beautiful garden. Lucky for you the garden industry has responded by coming up with ways to garden that will allow you to enjoy your hobby no matter where you live or how old
you are. Here are a few ideas to keep gardening easy, accessible and fun! 1. Downsize your Garden and Experiment with Container Gardening You may have recently downsized your home, sold your big house and moved into a smaller house or condo. In most cases, you may find you have a smaller space to garden. If you are in a condo, or renting an apartment you may not have land at all, but perhaps a terrace or patio. These situations lend themselves perfectly to exploring the world of container gardening. 19
Container gardening is great because you can create a garden in an individual pot or collection of pots. Container gardening is far more manageable and gives the gardener more control over the environment that the plants are growing in. Today there are many options in the container market that make gardening easier like raised beds set on legs, making the garden bed waist high and wheelchair accessible. Growing plants in self watering containers like the Earthbox® and allowing the crops to grow vertically, up trellises or in boxes, bags or felt pockets that hang on the wall are other ways of bringing the garden to you, instead of straining yourself with all the bending of traditional gardening. Most of the plants you can grow in the ground you can grow in containers. Try combining flower and vegetables in the same pot for a beautiful and ornamental garden. 2. Join a Community Garden or Start Your Own A great way to get involved with gardening is to join a community garden. Community gardens are often found in neighborhoods, schools or other groups where the community has decided to grow a garden together. Some gardens are organized as one project that all of its members contribute to, while others operate on an allotment model, meaning you lease a plot for (continued on page 27)
(continued from page 12) and perspective. Some come to groups alone; others come with family members, friends or caregivers. For a better understanding of the motivations of support group members, here are some examples. John, who suffered a stroke several years ago and has some functional limitations, comes to a support group with his wife Jane for the support from others in similar situations to help enable their continued efforts to manage successfully at home. Mark suffered a severe stroke many years ago and continues to come to a support group for an opportunity to share his daily challenges and feel encouraged. Sharon comes to a support group to learn new ways to help herself. She sustained a head injury from a motor vehicle accident. Although she has had some physical limitations, her greatest challenge is with managing some cognitive barriers, such as short term memory loss. Sharon is anxious to find new ways to meet the daily challenges such limitations cause. She looks to the other group members for some ideas. Mary and her husband Bob joined a support group just as she was returning home from rehab for the first time since having had her stroke. They came for help in facing what felt like an overwhelming situation. Although that initial situation passed, they continued their group participation not only for help from others but to give others inspiration.
It is important to identify yet another kind of support group which is available to everyone, namely, a therapy support group. Such a group is quite different from those described earlier. They are based in a mental health or counseling center with a trained mental health counselor or therapist. They also provide very specific rules for the group concerning number of sessions and starting and ending dates. They may not be open to new members.
As stated earlier, knowing you are not alone is reassuring and comforting. Despite life’s challenges, whatever they may be, if one takes one step at a time, one day at a time, one will find their inherent strength to seek out support for themselves. Support, encouragement and hope is out there for the taking. As the author of “Sharing the Journey” writes, a support group is a “Safe Haven” in which to share and listen leading to increased awareness, self-confidence, and feeling With so much diversity and positive about oneself. groups available, there are many Written by Eileen Weinstock, options. One can also belong to LCSW, Rehabilitation Liaison, as many groups as desired. In Stroke Support Group and Brain other words, one can seek out Injury Support Group facilitator at as much support a one wishes. Marlton Rehabilitation Hospital It is certainly a testament to our society and its many institutions as well as our communities that groups have flourished. They will for sure continue to do so as long as people wish to express their humanity and caring for others. In closing, an acknowledgement must be made to author Robert Wuthnow, who wrote, “Sharing the Journey”. His book provided some clarity and informed perspective about support groups. Additionally, there are many resources available to identify a particular support group. The New Jersey Clearing House for Self help Groups is one, as well as the varied organizations related to a particular topic. 20
Your Veins Not Just a Matter of Being Vain The web of veins lying under your skin provides vital circulation flow and nutrients to your entire body. The three categories of veins include: superficial, veins lying closest to your skin; deep veins, which lie within groups of muscles leading to your body’s largest vein, the vena cava; and perforating veins, which connect the superficial veins to the deep veins.
“Treating your varicose veins cannot only improve your appearance, it can relieve mounting symptoms and avoid future complications. Minimally-invasive treatment options can wipe out the varicose vein problems quickly and efficiently,” explains James B. Alexander, MD, FACS, Associate Professor of Surgery/ Vascular Surgery at Cooper University Hospital.
The most pronounced and cosmetically troublesome veins are called varicose, which can be seen through the skin. Varicose veins appear as blue, twisted and bulging and can sometimes be painful. These veins are not only a cosmetic concern, they can impact the quality of day-to-day life. Varicose veins are the result of reflux, resulting from weak or damaged vein valves, which open as blood flows to the heart and shut to stop blood from flowing backward Blood pools in the veins causing enlargement and visibility through the skin. Varicose veins – and their less conspicuous variety, spider veins – can become painful and contribute to leg fatigue and restlessness. Left untreated, varicose veins can cause inflammation, ulcers, skin rashes, redness and itching.
Though both men and women are vulnerable to developing varicose and spider veins, women are four times more likely to get them. While there are things you can do to lessen your chance of developing varicose veins, certain factors contribute to the susceptibility, there are minimally invasive and such as, multiple pregnancies, effective treatments to solve the obesity, heredity, sedentary life- problem. style, hormones and aging. Treatment Options “Varicose veins are commonly A painless and non-invasive ulseen as people age. Veins have a trasound test is the best way tendency to lose elasticity, causto get an accurate diagnosis of ing them to enlarge and become reflux. Vascular surgeons will varicose. We also see varicose discuss the best course of treatveins appear during pregnancy, ment for your individual needs. when blood volume increases, In some cases, a combination of causing circulation changes,” procedures will deliver the best says Dr. Alexander. results. If you are one of the 40 million Several options are available people in the United States with for the removal of your varicose troublesome varicose veins, veins, and all are minimally inva(continued on page 28) 21
What is an Advocate? And Do You Have One? Advocate: “One that supports or promotes the interests of another.” By Bonnie Joffe
the scene he encountered; he lay What happens if you or a loved unconscious with facial and head one needs hospital care? Do you injuries as well as knocked over have a trusted individual who furniture (At first they thought will be sure to look after you dur- someone had broken into the ing your stay and post-recovery? home). Medications need to be monitored, treatment consistently evaluated, medical bills handled, and possibly finances to be managed. What if you or a close family member does not have someone in close proximity to act as that much needed advocate? How will you make that decision on who to select and trust?
Here are 5 pointers* to think about: It doesn’t matter if you are a Baby Boomer or 65+, the following suggestions could save you and your loved ones a whole lot of heartache. 1) Make an “autobiography” – social security number, birth date, driver’s license number. 2) List of credit cards and numbers, banking information including safety deposit boxes 3) All insurance policy information including numbers and name of companies; homeowners, medical, long term care, auto, medicare info, etc.
And suppose you have children that do not live close by. Have you made arrangements with a neighbor or close friend to have a “buddy system”? We used to do it at camp or at the waterfront… So why not have a “buddy system” now?
4) Accountant, legal financial advisors contact information 5) Make sure your Advocate knows where this information is located Be prepared. Have a plan. Select someone you trust. Protect yourself and those you love.
Here is a great reason to have a system in place… A friend of mine has a 95 year old father who lives two hours away. Up until last year, he was living by himself, cooking his own meals, taking care of his own hygiene needs, and so on and so forth.
Bonnie Joffe is Founder and President of 50andbeyond.com, a website that provides valuable information and resources for Baby Boomers and the Aging Adult Population. Her goal is to simplify the lives of these two demographics by bringing top notch businesses to the forefront on her website.
Fortunately, he recovered quite well but now requires round the clock in-home care. The most important question is, what if he didn’t have a neighbor that kept And then he suffered a stroke. an eye out for him? My friend had He lay unconscious for at least a the foresight to make sure there day before his neighbor realized was a support system close by in * This list was partially contributed that he had not taken in his pa- case of an emergency! It is nev- by Barbara Berman from BB’s per. It was at this point, he came er too late OR too early to make Clutter Solutions. to the home, and was shocked at sure these plans are in place. 22
(continued from page 15) Medications also should be monitored. Seniors should discuss with their loved ones what medications they are taking and why. It is helpful to maintain an index card or a computer file listing the name and dosage of the prescriptions (learn both the brand and generic names, if possible), name of prescribing doctor, and reason for the medication. This info should be kept in the wallet/ purse of the patient and any caretakers. Many seniors see more than one doctor. It is critical that each time there is an addition, removal or dosage adjustment by one doctor, these lists are updated and shared with each physician at the beginning of every appointment. An organized monitoring system, shared with caretakers, also reduces the risk of accidental overdoses and unnecessary/overlapping prescriptions. Physical and mental support systems: The physical support system obviously refers to the patient, but an adequate mental support system must include the patient’s caregivers and family members as well. For most seniors the best long term solution is usually to remain in their own home where the senior is most comfortable. But this option can be more stressful on the family than other options. A balanced combination of family care and outside care from a home care company is a great long term plan and is by far the most affordable (ranging from as little as $300 a month up to $6,000 per month for full time care). This plan can
be enriched through community Another option is a Continuing support if the senior lives in a re- Care Retirement Community tirement community. (“CCRC”) which guarantees the Another option for partially in- senior a home for his or her lifedependent seniors is an assisted time. They have the advantage of living facility which can provide having the entire continuum of a few levels of care that increase care on the same campus (part as the senior’s needs increase, up independent living, part assistto the facility’s limits. This option ed living and part skilled nursis usually more costly (about ing). However, the cost can be $7000 a month in the Delaware prohibitive, typically $80,000 to Valley region) than in-home care hundreds of thousands of dollars and costs will increase further for on admission (not refundable afmemory (dementia) related care. ter the probationary period). If But that cost may be partially the facility is not fiscally sound, offset by the elimination of the the senior could find themselves home’s carrying costs (i.e., mort- without money or care. gage or rent, taxes, insurance, maintenance). Some conditions (like excessive combativeness) may preclude placement in such a facility unless supported by an outside company. As the senior’s needs approach the limits of the facility, his or her ability to remain in place can be prolonged through the use of outside care from a home health care company otherwise they will need to transition to a nursing home. If the family runs out of money the senior will have to transition to Medicaid but they may end up with nowhere to go. Facilities are required to maintain an allocation of Medicaid beds but they generally lose money on those allocations and want to keep as close to the required level as possible. Other downsides may include extra charges for incidentals like medication administration, having to change doctors, and in emergencies being transported to the nearest hospital ER rather than one of your choosing.
If the senior does need Skilled Nursing Facility care (AKA Nursing Home), Medicare will not pay, and Medicaid will only pay after the senior has essentially exhausted all of his or her funds. Higher end nursing facilities will typically want to see two years or more of private pay assets at $12,000 per month (almost to $300,000) to qualify for placement. Financial and legal support: Finally, it is important for seniors to put the appropriate legal and financial support in place to accomplish their planning goals. Family members and caretakers may not be able to speak with doctors and other healthcare providers without authorization from the senior. A well-drafted HIPAA (‘’Health Insurance Portability and Accountability Act’) Release signed by the patient provides this authorization. Individual doctors often can provide seniors with release forms for their own office’s use, but (continued on page 26)
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PROTECTING YOUR RETIREMENT – IS AN ANNUITY RIGHT FOR YOU? By Robert J. Berglund and Robert J. Stamm
Will you have enough in your nest egg to guarantee that you won’t outlive your assets, and how safe is that nest egg? This a question that more and more seniors and baby boomers are
Fixed Annuities, which are sold by licensed insurance professionals. Variable Annuities are sold by registered brokers and involve investment in securities.
claims paying ability of the company offering the annuity. That guarantee is based on the financial strength of the insurance company where you purchase the annuity, the type of annuity
asking and many don’t know where to turn for answers. For many, especially those already in or approaching retirement, the traditional methods of saving for retirement are proving too risky. A growing number of people are turning to annuities, and this article is focused on Fixed and
WHY ANNUITIES? So why should you take the time to learn more about annuities? The answer is the safety of your money, both during retirement and the period of time leading up to your retirement. Annuities are guaranteed by an insurance company, which is based on the
and the annuity contract you purchase, so you have to do some homework. There has been an increased interest in Fixed Indexed Annuities, offering Americans guaranteed income for life and providing peace of mind to Americans when they need it most. (continued on page 29)
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Avoiding Dehydration: What Can You Do? By: Paul G. Vidal, PT According to the Mayo Clinic, dehydration occurs when you lose more fluid than you take in, altering the normal functioning of the body. The risk of dehydration, or fluid imbalance, increases as you age because natural changes in your body alter the way your kidneys conserve and process fluids. Proper hydration protects your kidneys, helps the digestive process and plays a role in body temperature regulation. Often times dehydration can be reversed by drinking more fluids, but in more serious cases, medical attention is required.
volume inside and outside of your cells allowing for proper hydration of the body. Fruits and vegetables are foods that have a high water content. Climate changes can effect fluid levels. In hot or humid weather you need to drink additional water to replace the fluid you lose through sweating. Even in cold weather you may need to drink more water as you may sweat if you are wearing insulated clothing. During increased activity or physical exercise, it is best to drink fluids at regular intervals and to drink after finishing.
Causes of Dehydration: • Vomiting • Diarrhea • Fever • Excessive sweating • Not drinking enough water, especially in hot weather or with exercise • Frequent/increased urination • Certain medications, namely diuretics Signs and Symptoms of Dehydration: • Dry mouth • Fatigue/sleepiness • Thirst • Decreased urine output • Dry skin • Headache • Constipation • Dizziness/Light-headedness
Signs and Symptoms that require medical attention: • Extreme thirst • Confusion/Disorientation • Lack of sweating • Extreme dry mouth • Little/no urination • Sunken eyes • Low blood pressure • Rapid heartbeat/breathing • No tears when crying • Loss of consciousness How to Avoid Dehydration: Drinking water is important to prevent dehydration, but a balanced diet that provides the body with calcium, sodium, potassium, magnesium, and chloride can also help. These electrolytes maintain fluid 25
As always, consult your physician to ensure proper hydration based on your health. Paul Vidal, PT is owner of Specialized Physical Therapy, LLC in Cherry Hill, NJ. To learn more visit: www.specializedphysicaltherapy. com or call 856-424-0993. References: http://www.mayoclinic.com/health/dehydration/DS00561. Accessed April 1, 2012 http://www.livestrong.com/article/497715hydration-requirements-for-the-elderly/. Accessed April 1, 2012
(continued from page 23) then the patient must do the same thing with each doctor who treats them. Alternatively, the senior may appoint a Healthcare Representative through a health care directive (sometimes also referred to as a living will or advance directive). This can help streamline the authorization process by providing one document that can be used for all medical situations. A properly drafted health care directive also outlines the senior’s preferences for medical intervention and procedures in the event the senior is unable to speak for him/herself. This advance decision-making by the senior leaves no doubt among family members or spouse as to whether such things as artificial life-support, mechanical breathing, and similar interventions should be employed. The patient’s wishes are thereby respected, and the family members are not faced with the daunting task of making end-of-life decisions for their loved one.
(continued from page 14) legal process which requires a judge to make a decision about incapacity, whereas a power of attorney is a document drafted without court intervention. Seniors should consult an attorney before executing any power of attorney, especially if that power of attorney form is obtained over the internet or through non-legal sources.
One major mistake that families make while caring for their loved ones is failure to keep records precise enough to pass muster with Medicaid. The Medicaid safety net has stringent income and asset requirements. Further, there is a “look back” period of five years regarding transfer of assets. If there is not a clear accounting of funds, the Medicaid application will be denied. Even if the family does not feel that Medicaid is applicable now, circumstances can change dramatically and the need for assistance might arise in the future. In any event, meticulous record-keepIn addition to a healthcare di- ing for any person managing anrective, seniors should consider other’s finances is not only advisdrafting a power of attorney able, but required by law. that will enable a spouse or fam- Contributors to this article: ily member to handle financial, Vance Propati, Certified Senior banking, tax and legal matters Advisor and President of Sunlight if the senior becomes disabled Care-Home Health Care Company or incapacitated. A well-draft- in Moorestown NJ ed power of attorney executed (www.sunlightcare.com) while the senior is healthy and Michael Newell, RN, MSN Presihas mental capacity, may prevent dent of LifeSpan Care Management the need to obtain guardianship in Haddonfield NJ (www.caremanagersnj.com) over that senior if Alzheimer’s ➢Lori M. McNeely, Esq., McNeely disease, dementia, or other im- McGuigan & Briody, LLC in pediments render that person Moorestown and Princeton, NJ incapable of making his/her own (www.mcneelylaw.net) decisions. Guardianship is a 26
Solar panels can be installed on many different types of roofs and also can be ground mounted. This technique typically is employed if there is too much shade on the roof, or if the roof contains obstructions, such as dormers or skylights. These decisions, along with everything else dealing with the installation, however will be taken care of by the representative of your solar design and installation company. Most solar panels have a 20 to 25 year power warranty from the manufacturer. They’re constructed of tempered glass, put through hail tests to ensure durability and regularly are installed in Arctic and Antarctic conditions. The system’s power inverter has a 10-year manufacturer’s warranty and the entire installation has a five-year workmanship warranty. With low, locked-in payments for 20 years, the potential to “net out” your utility bills to zero, and energy credit certificates you can sell, today’s residential solar power systems have more than just environmental friendliness and renewability going for them: They are the smart energy choice for the 21st Century. For more information, contact Jessica Shaak from RCL Solar at (609) 839-9556.
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Tips from the Pros:
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How often should I go?
your individual use for the season. An established community garden often has programs and other events designed to grow the connections between gardeners and neighbors and is a great way to stay active and be a part of something bigger than just your own back yard. This is a great way to become part of the grow-your own food movement, and you may find yourself making fewer trips to the grocery store for fruits and vegetables that you can grow and harvest from your garden.
Depending on your style and texture of your hair, here are some recommendations on hair care: Permanent Waves - every 3 to 4 months. Also get your perm trimmed in between perms. It will leave your perm healthy looking and it will even perk up the curl with each cut. Color Services – most touch ups are done every 4 to 6 weeks. Color when there is enough root to retouch. Hi Lites – every 2 to 3 months, depending on growth. something as simple as a great shampooing is out of the question. Salon facilities have come a long way, and many such as ours now come equipped with a hydraulic sink so that you can stay in your wheelchair for the entire service. The hydraulic sink allows the stylist to adjust the sink height to accommodate each client, giving you the freedom to choose from the full variety of salon services. Ask your salon professional about the availability of hydraulic sinks and other specialized equipment before making your first appointment.
Choosing the right place There are many salons to choose from, offering a variety of services at varying price levels. Find the right salon to meet your needs at the right price and you will be happy you did it.
Haircuts – every 4 to 6 weeks. Even if you want your hair to grow, a slight trim will help it in the growing process. Trimming split ends will help drastically. Good luck in all of your beauty endeavors. In finishing off your new look, don’t forget your eyebrows. Many of our clients are shocked when they get their eyebrows shaped. Waxing or tweezing will be the last finishing touch, and well groomed eyebrows are the perfect frame for beautiful eyes. Written by Natalie Mooney and Darlene Hughes, Owners/Stylists at The New You Salon and Barber Shop 1307 -1309 North Black Horse Pike Blackwood, NJ 08012 856-227-1126.
3. Listen to Your Body and Keep Your Eye Out for New Tools to Support Seniors Be smart when you garden, rest when you are tired, stay hydrated and enjoy gardening in the morning or evening versus the hottest part of the day. Be mindful of how you move when you garden to avoid the risk of falling or other injuries. Paint your tool handles in bright colors so they can easily be found and seen in the garden. There are now garden tools, gloves, carts and benches that are specifically made to make gardening even easier. Ask your local garden center or go online to find the best tools for you. The most important thing to keep in mind is to enjoy yourself in your garden and take the time to relax and enjoy your efforts. Happy Gardening! Liz Donaghy Garden Design Consultant Garden Goddess By The Sea, LLC Longport, NJ 609-736-0227
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(continued from page 21) sive and performed in out-patient offices. Most patients are back on their feet in as little as a day or two, and can resume normal activities within a week. Radiofrequency Ablation (RFA) delivers heat to the vein wall, shrinking and sealing off the abnormal vein. RFA requires no incisions and is performed under local anesthesia and with ultrasound. Endovenous Laser Therapy (EVLT) uses ultrasound guidance of laser energy to collapse and seal off the damaged vein. No surgical incisions are made. Sclerotherapy is a non-surgical procedure injecting a solution directly into the vein. Over time, the vein will fade. Multiple injections may be needed to treat the vein, depending on its size and location. Recovery is approximately five days. Phelebectomy is used when larger veins become swollen and inflamed. Physicians remove individual vein clusters from the
leg through a series of small incisions. This minimally-invasive procedure is done under local anesthesia using micro-instruments and magnification. No stitches are required and patients are typically back on their feet immediately. Compression stockings may also be suggested to support the veins to prevent swelling and stopping the blood from flowing backward. TIPS TO PREVENT OR Lessen varicose veins Watch your weight and your diet. Maintain a low-sodium/ highfiber diet. You can increase your daily fiber through whole grains, fresh fruits and vegetables. Also, be sure to include your recommended allowance of vitamins and minerals. Exercise regularly. Incorporate more exercise and activities into your day and you will not only boost your circulation and lessen the chance of developing varicose veins, but your overall health will improve.
Watch how you sit & stand. Avoid sitting with your legs crossed at the knees, standing or sitting for long periods of time, or wearing tight garments that inhibit circulation. Talk with your physician. Always speak with your physician before making any lifestyle changes like diet and exercise. Your physician will discuss how best to approach incorporating these tips into your life. Contributing writer: Tami Bloom The Cooper Vein Center has vascular surgeons at five convenient locations – Camden, Marlton, Willingboro, Voorhees and Washington Township – to assess and treat your varicose veins.
(continued from page 24) As corporations have turned away from offering defined benefit pension plans to employees, and the responsibility of saving for retirement has been pushed to the individual, many have realized the risks may be too great, and that laws are changing too rapidly to properly self-manage their own 401(k), 403(b) or IRA. These tax-deferred retirement accounts are the bedrock retirement vehicles for middleincome Americans. But did you know that these products may be “rolled-over” to a tax-qualified annuity with the same tax deferral, and that annuities may provide suitable retirement solutions for many investors and retirees? CONSULT A LICENSED PROFESSIONAL Annuities are insurance products, a contract between the owner and an insurance company and enjoy features that many other investment vehicles do not. Annuities can be very complex and new ones are being offered by insurance companies all the time, and are designed to satisfy different needs of different consumers. An annuity may not be the best solution for everyone all the time, because individual situations are different - so consulting a licensed professional is the best action one could take. HOW A FIXED OR FIXED INDEXED ANNUITY WORKS Fixed and Fixed Index Annuities offer guarantees wherein the owner cannot lose their principal, or any interest earned each year, unless they surrender the contract prior to the end of the
surrender period. One of the true benefits of an annuity is that income taxes are deferred on these products until the owner begins taking distributions from the annuity, at which time the gains would be taxed as ordinary income. This means that interest earned during the “accumulation phase” is not taxed until paid out. With a deferred fixed annuity there is an accumulation phase and a payout phase. During the accumulation phase for a pure fixed annuity, the owner would earn interest at a fixed interest rate over a stated period of time. With a Fixed Index Annuity the interest earned may be based on a choice of several strategies, including those tied, in part, to the performance of a market index (e.g. S&P 500 Index), but the contract is NOT invested in the market. Essentially, interest is earned based on index strategies when the market is up, but not as much as the market might be up due to caps or participation rates built into the contract. The upside gains are limited by possible caps, participation rates, spreads and surrender charges according to the contract – another reason to do your homework and consult a licensed professional to fully understand these terms - while the insurance company provides the guarantee that your account will not lose money in a down market. In other words, the interest is never less than zero so you are protected from market downturns. Once the owner has elected to begin receiving payments from the annuity, the pay29
out phase begins, wherein the owner may elect how the annuity will be distributed. LIFE EXPECTANCY AND YOUR MONEY Annuities continue to evolve as the needs and goals of investors have been required to change. One major change since the advent of Social Security is the life expectancy of the average citizen. If you plan to retire at age 62 or 65 or 67, for instance, will your assets guarantee an income stream for the remainder of your lifetime, which could be another 20-25 years? If you aren’t sure of the answer to this question, then an annuity may be just what you need to add as a part of your retirement plan. SO IS AN ANNUITY FOR YOU? It all comes back to your individual situation, your goals, your age now and the age when you want to retire. Absolutely do your homework, determine how much risk you can tolerate and do the math. Find someone you trust, but remember: no one strategy or approach is right for everyone, and everyone should stay diversified and not have “all their eggs in one basket”. CONTACT INFORMATION: BERGLUND FINANCIAL GROUP www.berglundfinancial.com Robert J. Berglund rberg961@aol.com 609.922.0250 Robert J. Stamm rjstamm1252@yahoo.com 856.298.3166
Paul Vidal, PT license #40QA00894500