Living 50 Plus | Fall 2017 by NT_publications

Living 50Plus Fall 2017

Plan a Vacation Consider Renting

Grandparent & Grandchild

Health Benefits

Brew your own beer

643 W. Utica St., Sellersburg, IN

812-246-4866

Our mission is to provide outstanding care for our residents 57 bed facility that was built as a ministry to the community by the Churches of Christ throughout this area.

Skilled Nursing Facility that has been in Sellersburg, Indiana since 1973.

Long term facility that also provides Physical, Occupational and Speech Therapy.

Living50 Plus Features

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The health benefits of grandparentgrandchild relationships Adopting a dog or cat later in life

10-11

Medication mismanagement can be prevented

12-13

Plan a vacation

14-15

Finding a financial advisor

Call today to schedule your Free hearing consultation and demonstration or visit www.yeartohear.com for more information. 812-282-3676 or Toll Free 800-266-1282. Conn Hearing Aid Center, LLC

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16-17 19 20-21 22

Great gifts for seniors

Fitness awareness Consider renting Brewing your own beer

Editorial content and photos provided by: Green Shoot Media and Metro Creative Connection.

PUBLISHER | Bill Hanson PRODUCTION MANAGER | Stephen Allen DESIGN | Hope Matthew

Published by: News and Tribune 221 Spring Street, Jeffersonville, IN 47130 812-283-6636 www.newsandtribune.com 4 | Living 50 Plus | Fall 2017

Providing Quality In-Home Care Personal Care • Housekeeping • Companionship • Meal Preparation and Feeding Assistance • Medication Reminders • Transpiration Indiana Medicaid • Indiana State Waivers Programs • Veterans Administration • Most Long-Term Care Insurance Plans Adaptive now offers Hospice! For more information call 812-590-1575 Jeffersonville (812) 283-7700

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Your Home Away from Home, Close to Home. Just fifteen minutes from southern Indiana, Treyton Oak Towers is the place to retire when you’re ready for life at its fullest. Every day offers dozens of things to do, and wonderful friends to do them with, in beautiful surroundings, with lovely gardens and spacious apartments just waiting to make you feel right at home. Enjoy a fitness center, massage suite, art studio, greenhouse, theater, our Fleur de Lis dining room, onsite bank branch, salon and much more.

Take a cup of coffee or a glass of wine and relax on our rooftop deck, with a breathtaking view of southern Indiana laid out before you.

In fact, we’re the only retirement community to partner with The Fund for the Arts as a supporting sponsor for “Arts in Healthcare.”

And there’s more. Research shows that arts enhance the quality of life for residents. So in addition to our own fine art studio, a wealth of art filling halls and gallery, and frequent performances in our Oak Room, there are tours of local galleries, performing arts events and guest lectures.

And behind all the fun and friendship, there’s a deeply committed staff, a continuum of care if needs change, and an emphasis on safety and security. Visit treytonoaktowers.com or call (502) 589-3211 to schedule lunch and a tour today.

A not for profit, 501(c)(3) organization 211 West Oak, Louisville | 502.589.3211 | treytonoaktowers.com Living 50 Plus | September 2017 | 5

The health benefits of grandparentgrandchild relationships

n the not-so-distant past, extended families were the norm, with multiple generations residing on the same street if not in the same house. Today the family unit is largely an amalgam of different situations. The rise of two-income families

6 | Living 50 Plus | Fall 2017

has pressured parents into finding childcare situations. Quite often grandparents once again step in to offer guidance and support for youngsters. This can be a good thing for both the grandparents and the grandchildren. Although a bevy of psychological

research focuses on parent-child relationships, new evidence points to the benefits of the grandchild-grandparent relationship as well. Close relationships between these different demographics is often a sign of strong familial ties. A study from researchers at

Boston College discovered that emotionally close ties between grandparents and adult grandchildren reduced depressive symptoms in both groups. Research at the University of Oxford among English children between the ages 11 and 16 found that close grandparent-grandchild relationships were associated with benefits including

fewer emotional and behavioral problems and fewer difficulties with peers. Adult and grandchildren alike benefit from relationships with their elders. Grandparents can provide a connection and exposure to different ideas while providing a link to family history and knowledge regarding traditions

and customs not readily available elsewhere. Nurturing grandparent-grandchild experiences may be easy for families where grandparents live in the same house or close by. For others, it may take some effort. The following are some ways to facilitate time spent together.

Schedule regular family reunions or get-togethers. Host or plan multi-generation events that bring the family together and expose children to various members of their family. Promote one-on-one time. Have grandchildren spend time with grandparents in intimate settings. Alone time can be good for both and offers each undivided attention. A meal at a restaurant or time spent doing a puzzle or craft can be interesting to both generations involved. Video chat when possible. If distance makes frequent visits challenging, use technology to bridge that gap. Send photos, letters and electronic communications. Tech-savvy grandparents can use Skype or Facetime to stay in touch and speak one-on-one with their grandchildren. Share skills with each other. Either generation can play teacher to the other. Grandparents may have certain skills, such as baking, sewing or wood crafts, they can impart that may not be readily taught today. Children can help grandparents navigate computers, video games or sports activities.

Living 50 Plus | Fall 2017 | 7

Adopting a Dog or Cat Later in Life

ompanion animals bring great joy to their owners. The unconditional love cats and dogs provide appeals to people of all ages. While many people associate pets with kids who can’t wait to welcome the first cat or dog into their homes, pets can benefit aging men and women as well. It’s not uncommon for seniors to feel lonely or depressed when they retire, their children move away or they lose a spouse or close friend or friends. The American Humane Society states that studies show pets help seniors overcome loneliness and depression by providing affection, company and entertainment.

Pets also provide much-needed mental stimulation, and many pet owners find their pets help them become more physically active as well. Seniors who adopt pets may also feel a sense of purpose when helping animals who may not have anywhere to live. This is particularly true of older companion animals, which many young families are understandably hesitant to adopt. Mature pets might be an ideal fit for seniors. When seniors are looking to adopt a pet, there are various reasons why older pets or particular animals might be the perfect fit for them.

• Adult pets may already be house trained, saving seniors the trouble and effort of training them.

• Seniors may find cats fit their lifestyles more than dogs, as cats are less active and do not need to be walked or played with as much as dogs. Cats also are small and easily maneuverable, meaning even seniors who have arthritis or other physical limitations can easily care for cats. Many cats are also content to spend long periods of time sleeping on their owners’ laps.

• Small dogs that can be active within the house might be a good idea as well, especially for seniors with mobility issues. They’re also easily transported to and from vet appointments. 8 | Living 50 Plus | Fall 2017

Living 50 Plus | Fall 2017 | 9

Medication Mismanagement Can be Prevented

edication management is an important issue for seniors and their families. Failure to properly manage medications can threaten the lives of seniors, highlighting the emphasis families must place on ensuring seniors take their medications in strict adherence to their physiciansâ&#x20AC;&#x2122; instructions.

cations by more than one physician, and 72 percent use medications they were prescribed more than six months prior. Many people also have begun â&#x20AC;&#x153;pharmacy shoppingâ&#x20AC;? to save money. According to a study published in 2010 in American Nurse Today, 44 percent of men and 57 percent of women older than Polypharmacy, or the taking of multiple med- age 65 take five or more medications per week, with ications for different conditions, can be a potential some taking as many as 10. health hazard for the thousands of seniors who must Medication confusion is one risk, but older adults manage health conditions with prescription drugs. also metabolize medications differently than young Harmful drug interactions are a result of the confu- people. As a result, they may be more susceptible to sion that can arise when seniors take multiple med- overdose or other ill effects. Families looking to help ications at the same time. The American Society of seniors effectively manage their medications should Health-System Pharmacists estimates that more than consider the following tips. 34 percent of senior citizens are prescribed medi-

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Keep a running list of medications. Maintain a list of all medications being taken, noting both prescription and over-the-counter medications and any supplements and herbs. Provide a copy to any new doctors you visit and any new pharmacies you patronize. Use pill sorters. Medication sorters can keep medications organized and eliminate some of the personal error in medication management. Organizers have daily slots and may also differentiate between nighttime and daytime medications. Understand why each medication is being prescribed. Ask your pharmacist and doctor to explain why each medication is prescribed. This information should be printed on the prescription label. Some drugs designed for one symptom may actually be used to treat other issues as well.

Ask for help. Some seniors may benefit from friendly reminders from a loved one regarding when to take certain medications, especially if they need to take multiple doses throughout the day. Cognitively impaired seniors may require the services of a visiting nurse or another caregiver. Recognize that not all medications are right for seniors. The American Geriatrics Society maintains a list of medications that older adults should avoid or take with extreme caution. Some drugs pose a high risk of side effects or interactions, while others are less effective. Discuss alternatives with your physician if you are prescribed one of these medications. Keep a medication diary. Record any side effects that occur and how the medications make you feel. Always bring up issues promptly with a doctor.

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812.949.2273 rasmussenchiro.com Living 50 Plus | Fall 2017 | 11

Staying Continental

If flying isn’t your cup of tea or you don’t like the thought of a long flight, have no fear. Each of these sunny locations is situated within the continental United States:

Palm Springs, Calif.

Think desert panoramic views, iconic architecture and pool-side cocktails. Palm Springs is a perfect marriage of flora and fauna — and surprisingly affordable.

Miami, Fla.

Get your taste of mid-century architecture and your cravings satisfied with Miami’s booming food scene. Relax by the ocean or poolside by day and enjoy the eclectic clubs and art scene by night.

Scottsdale, Arizona

If golfing is your Saturday (or everyday) go-to, look no further than Scottsdale. Winter temps average in the low 70s, making it the perfect time of year to visit. Don’t forget to check out the city’s ardent art scene — brimming with local crafts, Native American jewelry and food markets. 12 | Living 50 Plus | Fall 2017

Plan a Vacation The chilly winter months are a perfect time to plan a vacation somewhere with sand and sunshine. Whether you like to plan ahead with a trusted travel agent or prefer the thrill of a last-minute deal, these sunny locales will make you forget all about the dreary weather back home and chase away those winter blues.

Exotic Locales

While you won’t need a passport, each of these locations is outside the continental United States:

Honolulu, Hawaii

Hawaii is the home of year-round sunshine. Honolulu, the state’s capital, is the gateway to the island chain. There is a great shopping and nightlife scene in Waikiki, and if you have an interest in history visit the USS Arizona Memorial.

U.S. Virgin Islands

White powder beaches and blue waters for miles, this is a perfect match for someone who wants to slow down and experience a little “island time.” The three-island playground offers something for everyone — from romantic luxury on St. John, historic charm on St. Croix and renowned shopping and dining on St. Thomas.

Puerto Rico

Adventure and relaxation never got on so well together as in Puerto Rico. Stay in Old San Juan to experience one of the Caribbean’s most iconic colonial neighborhoods. Then day-trip over to El Yunque — a breath-taking and accessible rainforest — or go caving in Rio Camuy. Prepare to return home telling friends you have never felt so young.

Living 50 Plus | Fall 2017 | 13

Finding a Financial Advisor The end of the year brings with it a level of reflection. Be productive and turn this reflection toward your finances. How well are you managing your money? Even if the answer to this is not negative, there is always room for improvement. If you don’t have one already, consider hiring a financial advisor. An advisor can help you evaluate your current financial situation and help you create a plan to meet your financial goals. But where do you begin?

Three Questions to Ask While you will have many questions for your financial advisor, these three are essential when choosing someone to help manage your money.

Are you a fiduciary? A fiduciary is a person who must place the interests of the client above his or her own interests. This is important. Fiduciaries must also disclose what their fees are and how they are compensated.

What services do you provide? You, obviously, want someone who can fulfill your needs. Some firms offer only advisement while others specialize in comprehensive planning around retirement, insurance and estate.

What types of clientele do you specialize in? Some advisors have a niche and some don’t. If they do, make sure you fit into it, or they may be out of touch with the general needs of your demographic.

Types of Financial Advisors

It goes without saying that you want to choose an advisor based upon your needs. Someone who is qualified, experienced, and has had proper training. But what are you looking for?

• Certified Financial Planner

• Registered Investment Advisor

• Chartered Financial Analyst

• Chartered Financial Consultant

A fiduciary certified through a comprehensive 10-hour board exam and have many years of experience in financial planning. This person will offer the deepest financial analysis. Only 20 percent of applicants receive this designation from the CFA institute after passing three six-hour exams, two years of coursework and four years of professional work experience.

A fiduciary who may be required to register with the Securities and Exchange Commission, depending on how much money they manage. These advisors go through the CFP core curriculum but do not take the board examination.

Living 50 Plus | Fall 2017 | 15

Great Gifts for Seniors Every holiday shopper ends up with at least one loved one on their shopping list who they can’t seem to find anything for. Some people seem to have it all, while others may be less than forthcoming with regard to items they may need or want. Many seniors tend to fall into the latter category. Shopping for holiday gifts for seniors can be difficult if shoppers don’t know what seniors want. But the following are a handful of gift ideas that might make this holiday season that much more special for seniors.

Travel gifts

Many retirees love to travel, but not every senior has the means to take off for parts unknown. A 2013 survey from the Transamerica Center for Retirement Studies® found that 25 percent of retirees admitted they wished they would have saved more for retirement travel. Holiday shoppers can light up seniors’ smiles by gifting travel gifts this holiday season. One idea is to transfer airline miles to an elderly loved one so he or she can get a free or discounted flight. If that’s not a possibility, some new luggage or a Global Hotel CardTM sponsored by Orbitz®, a gift card that can be redeemed at 70,000 hotels across the globe, is sure to please. 16 | Living 50 Plus | Fall 2017

Family time

Shoppers who are especially stuck on what to get seniors for Christmas can just resolve to spend more time with their elderly loved ones. Many seniors genuinely have everything they need, and such men and women may only want to spend more time with their children and grandchildren. Make a New Year’s resolution to spend more time with the special seniors in your life if the perfect gift is eluding you.

Books

A 2015 survey from the Pew Research Center found that 69 percent of adults age 65 and over acknowledged reading at least one book in the previous 12 months. That makes books a good bet for shoppers who don’t know what to get their 65-and-over loved ones this holiday season. But shoppers might want to opt for more traditional print books rather than e-books, as the survey found that only 15 percent of readers age 65 and over had read an e-book in the previous 12 months.

Gym membership

According to the Office of Disease Prevention and Health Promotion, more than 80 percent of adults do not meet the guidelines for aerobic and muscle-strengthening activities. That can be especially troubling for seniors, who are at greater risk for osteoporosis, a medical condition in which age-related tissue loss contributes to brittle, fragile bones. Physical activity, including muscle-strengthening activities like weight training, can help combat osteoporosis. Family members stuck on what to get aging loved ones may want to consider gifting a membership to a local gym. Many gyms offer heavily discounted memberships to seniors, and such gyms may even offer senior fitness classes at no additional cost.

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Fitness Awareness Fitness is essential for seniors. However, staying fit can be more challenging in the winter months, when safety becomes a larger concern. A great way to stay accountable to your fitness goals is by monitoring your nutrition and activity — and the newest technology is making this easier than ever: activity trackers. Activity trackers are designed to track your activity all day, and many are accompanied by a mobile application that is designed to both complement the tracker with additional features and store each day’s data.

Reminders to move: If you’ve been stationary for too long, some trackers will give you friendly remindHeart rate: Continuous and automatic heart rate ers to get up and go for a short walk by making the tracking, right from your wrist. device vibrate. This ensures you don’t remain sedenAll-day activity: Track steps taken, distance trav- tary all day. eled, calories burned and hourly activity (including Fashionable accessories: While maybe not the “active” minutes versus stationary time). most important feature of an activity tracker, many

Key Tracking Features

Activity smart track: A feature that will automatically recognize when you change activities (like going for a jog) and records the minutes in the “exercise” section of the accompanying smartphone application. Sleep cycles: Automatically tracks your sleep quality (including how many times you woke up and for how long) and stages of sleep.

come with interchangeable accessories, so they remain a sleek and unnoticeable part of your style. Note: Not all brands or models of activity trackers performs each of these features, so be sure to research thoroughly or talk to a sales person directly before choosing and purchasing your activity tracker.

Living 50 Plus | Fall 2017 | 19

Consider Renting

Many seniors find they require significantly less space than they did when they were raising their families and building their careers. If you are considering selling your home and downsizing to a smaller space, consider renting before settling in with another mortgage. There are many financial and social benefits to renting a home.

Beef Up Your Nest Egg

When you rent, you need no down payment and pay no separate real estate taxes. Going from owning a home to renting, you would liquidate your assets — freeing up that money for other purposes. So sell your current place and use the profits to pay off remaining debts or beef up your nest egg; this is the time of your life when maybe having a bit of extra cash (whether to save or to play) could provide comfort.

No Maintenance

When you rent a property, maintenance and repairs are a landlord’s responsibility — relieving you of the pressure to climb ladders and sparing you the expense of a repairman. If the roof needs replacing, a water pipe bursts, or the air-conditioner dies, you won’t see the bill for the repairs.

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An Excuse to Declutter

After living in the same space for several decades, it is easy to accumulate a lot of items. Through the years, you likely have amassed a collection of things, some of which you may have even forgotten that you own. Your “third act” is a great time in life to take stock and downsize to eliminate the burden on your life and create more time for doing the things you enjoy.

Plenty of Amenities and Built-In Community

Community pool. Tennis courts. Fully-equipped gym. These are just a few of the amenities that come fairly standard with most apartment complexes. These amenities also offer built-in socialization. By frequenting the community pool, you are likely to start conversations with other renters and get to know your neighbors. Renters are more likely to know their neighbors, participate in community events and make new friends through approaching people they don’t know. It also can be a lot easier to find someone willing to check up on your place when you go on vacation.

Choice of Locations

Apartment complexes can be easily found near some of the best restaurants, bars and shopping, which can make it easier to get around and get out of the house. Being a senior, you also have your choice of age-restricted complexes — if you prefer to avoid the college crowd or families with young children.

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Brew Your Own Beer Do you enjoy a good brew? Then consider making your own. While it can be intimidating, don’t let the multi-step process scare you. Brewing beer can be a fun, long-term — not to mention tasty — hobby. While it would be best to start out with a kit (which provides you with everything you will need) for your first batch, acquiring basic knowledge is also essential if this is a hobby you intend to turn into a lifestyle.

Four Basic Ingredient 1. Water. The base of beer.

2. Malt. A grain that has been prepared for brewing. Malted barley is most common, but malted wheat is also popular.

3. Hops. Hops provide the “spice” to beer —providing

the bitterness to balance the sweet — and are added sparingly.

4. Yeast. This is what changes unfermented brew into the beer we drink, converting the sugars into alcohol and carbon dioxide.

Brewing Steps 1. Malting. First you must germinate the

grain. The grain is then fried through heating, which allows the grain to be stored for long periods of time and develops the malty flavor.

2. Mashing. To mash, the grain must be soaked in hot water. This is when the starch molecules are converted into sugars, which will later fuel the yeast during fermentation. This mixture is called wort.

3. Boiling: Before the wort can be

fermented, it must be boiled to sanitize it and make the finished beer more stable. It is during the boiling that hops is added and bitters are extracted.

4. Fermenting: After boiling, the mixture

is cooled so that yeast can be added. Fermentation can last anywhere from a few days to a week. For stronger, darker beers, you can ferment for months. The only steps left are to bottle and serve.

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