Living 50 Plus_09.04.2020

SEPTEMBER 4, 2020

The Press’ Special Edition

Living 50 Plus

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LIVING 50 PLIS

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SEPTEMBER 4, 2020

Pull yourself up by your bootstraps And put one foot in front of the other!

Unexpected events can set you back or set you up. It’s all a matter of perspective.

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– Mary Anne Radmacher

020 started off just like any other year. I think I slept through the stroke of midnight, or maybe I woke up long enough to give

Charlie a kiss and say good night. It was the start of another typical year.

All the kids were doing well. All the four-legged critters were healthy and happy. Work was going great. We had our annual sojourn to Palm Desert in January, and a trip to Kauai for our friend’s wedding in February. 2020 was set to be a fabulous year!

We were excited to see what the new year would bring.

Since finding love in our 50’s and getting married in 2016, we seem to find adventure and excitement at every turn.

Our Palm Desert trip was laid back. A little golf, a little shopping, reading on the deck, visiting our favorite haunts.

We call this annual trip our ‘relaxing vacation’. You know how some vacations you are in a place that you want to pop out of bed early in the morning and go, go, go all day. We have to make sure to see everything there is to see. Well, our annual Palm Desert trip is the opposite. It is… how little energy can we exert each day. lol On our way home from Kauai, we were a little cautious about people at the airport, we sat outside the restaurant to eat, we carried hand sanitizer. We had watched a little bit of news while we were there, or at least clicked on the breaking news stories that would pop up on our phones while we sat under our umbrellas on the beach. We flew into SFO on February 28th.

I came home to a very busy schedule. Out visiting with clients, catching up on all the happenings at home and at work. It was good to be relaxed from vacation, and back into the swing of life. All was good with the universe.

The COVID 19 thing was still far from all consuming news. So far, we had a few people sick, no one had died, after all it was just the flu. Life was still pretty normal. I was talking to my staff about continuing to make appointments in people’s homes, or, if the clients prefer, we could start using Zoom, or Facetime.

We decided to get feedback from our clients on what felt most comfortable for them. Almost all said, let’s meet in person and we will just sit across the table from each other.

My calendar was full.

On March 9th, the news was not great. Things were feeling a bit off kilter but probably still manageable. We were all starting to watch the news like it was a soap opera, and truthfully, it seemed like it was, or a Sci Fi movie.

It was like a watching a geyser forming. It was bubbling up but then would calm down, and then bubble up a bit higher, and then calm down. Then suddenly it exploded. It was the NBA, NCAA, SXSW, Googles I/O, Disneyland, Tax day, travel bans, Coachella, airlines, containment zones, bars and restaurants, cruise ships, hotels, and then on March 13th President Trump declares a national emergency.

On Monday, March 16th, we have a staff conference call. I reassure them that things are a little rocky but there is not an 8.0 earthquake rumbling, just some 2.0 tremors. We will work from home, but I will continue to meet clients on their terms. If they want me to come to their homes, I am happy to do so.

I am a very optimistic person, almost to a fault at times.

Not a bad thing, most of the time. My gut was starting to question my brain. You know how sometimes your gut knows more than your conscious mind? It is just a feeling, nothing concrete, nothing we can put our finger on, but a strong feeling.

This crazy virus had only been a top of mind topic of conversation for a couple of weeks. What the heck, how bad can it be right?

On March 17th I went to visit a client in Livermore. I was going to a closing in Alameda. I was going to sign an application that evening. The last week felt off, just not right, like I couldn’t be sure how this was all going to unfold. And today was feeling even more off.

I called my Alameda clients and asked if they wanted me to attend the closing. We agreed it was best to limit the number of people, so I did not go but my notary did attend.

My application that evening called me and asked if it might be better to drop off the application or even mail it to him. I dropped it off on his front porch and then we went through it over the phone.

This was getting crazy. It was going to be two weeks, and then two more weeks, and then 6 weeks was the magic number. It seemed that what was getting missed was 2 weeks + 2 weeks + 6 weeks = 10 weeks. We are all supposed to stay home and not see anyone for 10 weeks??? What?

Well, the rest is history. It is now September. We are in our 7th month of “social distancing”, limited gatherings, no personal services – yes my hair is really gray and now everyone knows it, restaurants serving to-go alcohol and setting up tents in their parking lots, empty stadiums and pop up fans at sporting events, and the list goes on.

BUT what this means is…. We survived and we figured it out. Life goes on. We Zoom with friends and clients. We have dinner in the parking lot, we wear masks to the grocery store and everywhere else, we do contactless shopping, we visit with friends in smaller numbers and we sit on the deck.

My mom always told us ‘when the going gets tough, the tough get going, you pull yourself up by your bootstraps and you put one foot in front of the other and ya keep goin’ forward’. There was no wallowing. There was no self-pity.

She always said, ‘don’t come to me with a problem, come to me with a solution’.

So, all of that to say, we have gotten incredibly busy due to these unsettling events. Whether it is a job loss, income loss due to falling interest rates, kids needing help due to current events, wanting to ease the monthly stress by eliminating your mortgage payment, or just wanting to be prepared with a safety net. Everyone is hyper aware of their financial security these days.

In an article appearing the the Novato Advance, and published at Insurance New Net, Shelley Giordano, co-founder of the Academy for Home Equity in Financial Planning at the University of Illinois Urbana-Champaign, says “Leveraging the value of our home using a reverse mortgage line of credit can allow a borrower to avoid tapping their savings or investments until the market stabilizes.” Giordano goes on to say, “Other benefits of the reverse mortgage line of credit include that it can never be frozen, reduced or canceled as long as the loan terms are met.” 7/30/2020 George Gagliardi, financial advisor with Coromandel Wealth Management in Lexington, Mass. In an article titled Don’t overlook a reverse mortgage in time of crisis, in the Wicked Local Lexington. “The CARES Act has granted a temporary reprieve for those who are having difficulty making mortgage payments because of reduced income — up to 12 months of forbearance which must eventually be paid back with interest — but it hasn’t done anything for the other living expenses,” Gagliardi writes. “While people scramble to get HELOCs (home equity lines of credit) on their homes, tap their retirement plans (not a good idea unless a last resort) or plead with creditors for forbearance on

Beth Miller-Rowe has been in the mortgage industry for 38 years specializing in reverse mortgages for the past 12 years. Beth has degrees in economics and business administration. their debts, many are overlooking Home Equity Conversion Mortgages (HECMs) as an option.” 6/8/2020 There is headline after headline touting the benefits of exploring a reverse mortgage to provide financial security during turbulent times.

Bankrate says 77% of homeowners say mortgage hampers retirement savings. 3/11/2020 Pandemic shift to remote work puts seniors at financial disadvantage. 6/9/2020 Seattle Times says Pandemic playing havoc with seniors retirement plans. 6/7/2020 – Advertorial

Let’s take a look and see if we can Make Your Retirement Dreams Come True.

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Branch Manager and Reverse Mortgage Specialist

The Reverse Mortgage Group • A Division of American Pacific Mortgage Corp.

Office: 925-969-0380 Cell: 925-381-8264 Beth@YourReverse.com

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*Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out.

Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency. **American Pacific Mortgage Corporation is not financial service company or licensed tax advisors; the material provided is for informational and educational purposes only and should not be construed as investment, tax and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. We are not financial or tax advisors, please contact your financial professional for your personal financial situation.

SEPTEMBER 4, 2020

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HomeLife Senior Care brings compassion home DAWNMARIE FEHR

M

aking a choice about who cares for your loved one when you are unavailable

can be difficult.

Fortunately for East County, there is HomeLife Senior Care (HLSC), a privately owned company with a decade of experience in ministering to those with limited mobility.

“We do the activities of daily living,” said Angela DiNicola, president of HLSC. “We do everything that you can think of that you would do on a day-to-day basis that is nonmedical. We do bathing, meal prep, housecleaning, grocery shopping, running errands and companionship.”

This kind of daily help can allow aging seniors to stay safely in their homes.

Brentwood resident Dorothy Goesch is 91 and has been an HLSC client for five years. She said she and her husband both ON THE COVER: Finding the right care for a loved one, especially during the COVID-19 crisis, can be challenging and stressful. But the owners and staff at HomeLife Senior Care are seasoned professionals who ensure each client is cared for like family.

Photo by Tony Kukulich

preferred having caregivers come to their home, rather than relocating to an assisted living facility.

“I like it fine,” she said of her experience. “I really have appreciated all the care I’ve been given. They help me with my shower and they fix my breakfast and sometimes do extra work, taking things out to the garbage and even watering my plants. It’s been a very nice relationship.”

Angela and her husband, Vinny DiNicola, founded their business together in 2010, after Angela inadvertently became a caregiver for some elderly gentlemen when the couple lived in Nevada.

“It just sparked this passion in me to want to provide good care for people,” she said. “I didn’t necessarily want to continue to be a caregiver, but I had a good feeling after talking to people about what a good company looked like.”

The couple moved to California and began researching caregiving organizations.

They came across many franchise opportunities, but Vinny said they envisioned owning their own company. Eventually, they found an organization called Seniors Choice, which provided support, training and materials, but did not own any part of the business.

“We are voluntary members of their association,” explained Vinny. “The high standards they have in their training and how to properly run an organization that

Photo courtesy of HomeLife Senior Care

The staff at HomeLife Senior Care are compassionate, experienced and dedicated to providing their clients with the best possible care. From left: Kara (home care aid director), Wendy (scheduling director) and Sophia (client care director). cares for the elderly in the privacy of their own homes — they have that model down.”

With Seniors Choice as their support network, the DiNicolas launched their busi-

ness. They now have a team of over 100 caregivers and staff, and Angela said she couldn’t ask for better people to work with. see Home page 15B

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SEPTEMBER 4, 2020

Looking ahead to trips, excursions, fun

DAWNMARIE FEHR

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eptember in East County means warm days, cool evenings, and plenty of opportunity to step

outside for some fresh air.

Despite concerns over the COVID-19 pandemic, health officials have offered socially distant outdoor recreation as a means to stay healthy and happy during these uncertain times. With miles of walking trails and sidewalks available in East County, seniors looking for light, low impact exercise will be spoiled for choice.

If urban walks have become mundane, options abound in East Bay Regional Parks, which have begun to open back up after recent wildfires. Big Break Regional Shoreline in Oakley has a smooth walk on flat land to expansive Delta Views.

The Brentwood Senior Activity Center is temporarily closed to activities. Recreation supervisor for the City of Brentwood Olivia Alvarez said she and her team are working on getting safe and fun outdoor programing scheduled for the fall.

“Everyone is just really trying to figure out what fall can look like for all of us,” Alvarez said. “Not only for seniors, but the overall fall recreation schedule. We are trying to see how we can alter our events

Press file photo

Local seniors like Patrick and Elova McCoy (seen here at the grand opening of the Oakley Senior Center in 2019,) are finding fun ways to relax, unwind and enjoy life during the COVID-19 crisis. to make them still happen.”

To offer input on future activities, seniors can take Brentwood’s Covid-19 Senior Services Survey online. Alvarez said the survey is asking the senior community what they want and what they feel comfortable doing.

“We will alter our programming to meet the needs we hear from the results of the survey,” she added.

For those looking to get out of town, cruises have begun booking for the new year. Prices are relatively steady and potential cruisers should not expect big discounts, but there are plenty of promo-

Prebuilt ad - corrected 4 color black in Photoshop. Added black stroke in InDesign

tions right now.

“What the cruise lines are doing is offering incentives to book at the moment,” said Vera Martinez, owner of Vacations and Voyages Travel Agency.

“That might mean $500 onboard credit, drinks packages and specialty dining.”

Martinez said some of her clients are booking river cruises because they are smaller, usually topping out at 100 people per boat, compared to thousands on large ocean cruises. She is currently booking cruises to multiple locations, including Alaska and Hawaii for 2021.

Cruises aren’t the only way to get a

change of scenery. Martinez said she is seeing people travel. Airlines are doing what they can to make passengers feel safe, and most still have the middle seat blocked off. But travelers should expect to comply with all safety measures.

“I think that travel is possible,” said Martinez. “I think that we need to be smart about the way we travel, I think we need to be sure we follow the guidelines imposed. If the airlines are asking for a mask, you need to wear a mask . . . don’t think you can get away without a mask.”

For more information on East Bay Regional Parks, call 1-888-327-2757 or visit https://bit.ly/3gPgoir.

For more information on Vacations and Voyages, call 925-639-9194 or visit www.vacationsandvoyages.net.

The City of Brentwood has developed a COVID-19 Senior Resource Guide with resources and services that are available to assist adults ages 50+. If you are interested in obtaining a printed copy of this guide, call the City of Brentwood Parks and Recreation Department at 925-5165444 and leave a voicemail with your name and mailing address. Printed copies will also be available at the Brentwood Family Aquatic Complex on the 2nd and 4th Thursday of the month, from 9:00 to 11:00 a.m.

The Senior Resource guide is available online at https://bit.ly/2YUQTWx.

Improve Your Hearing with the Hearing Aid Test Drive How can you be sure which hearing aid is right for you?

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SEPTEMBER 4, 2020

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When its time for assisted living

DAWNMARIE FEHR

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he search for an assisted living facility can seem daunting.

Knowing what to look for and what to avoid before making a choice can help families feel sure their loved ones are safe and well cared for.

Westmont of Brentwood provides three lifestyle choices – independent living, assisted living and memory care. The facility has 131 apartment-style homes, and the different levels of service mean residents don’t need to leave when they need more support.

“Westmont Living’s team members work tirelessly to foster resident independence while respecting individuality, choice, dignity and privacy,” said Julie Walke, public relations representative for Westmont. “The company takes pride in the ‘Live Your Way’ activities and wellness program that include physical exercise, brain fitness and social events along with lifelong learning.”

Like everything else, COVID-19 has affected operations at Westmont, whose residents face an increased risk from infection.

“Obviously, we follow CDC guidelines, and we are quick to respond should anyone become ill,” said Patrick Frasier, operations specialist. “Within the everyday living of our communities, we find creative ways to keep

our residents connected. For instance, one of our communities recently hosted a Classic Car Drive-by Show and food drive.”

Amidst the chaos of a pandemic, Westmont continues to maintain its welcoming exterior, train its staff and engage its residents as safely as possible. For those on the hunt for an assisted living facility, Community Relations Director Tash Santiago listed some things to keep in mind.

“This list is a guideline that we suggest seniors use while looking,” said Santiago. ”If a senior living community does not have these things, our recommendation is for them to keep looking for the right fit.”

Is the building secure and do they follow the recommended CDC guidelines?

Do they screen for signs and symptoms and take the temperature of all people entering the building, including staff and essential medical personnel?

Do they train their staff on personal protective equipment, hand hygiene and practice good respiratory etiquette within the community?

Do they screen new and returning residents for signs and symptoms every shift for 14 days?

Do they limit dining to small groups with good social distancing between residents?

Do they schedule outdoor access to minimize the number of residents and to facilitate social distancing?

Does the staff clean all common areas and

Within the everyday living of our communities, we find creative ways to keep our residents connected. For instance, one of our communities recently hosted a Classic Car Drive-by Show and food drive.

– Patrick Frasier, operations specialist, Westmont of Brentwood

touch points on a frequent basis?

How competent is their health support?

Are they licensed to provide health services?

Do they have licensed nurses on staff?

Does staff receive on-going training especially with regard to Covid-19 precautions?

Does the building look like a place that you would like to live?

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Is the building clean and inviting?

Are staff members friendly and helpful?

Do residents appear happy and engaged?

Does the community have a fitness center for optimum health and wellness?

Are there multiple exercise classes?

Is therapy after hospitalization available?

Does the dining program provide the right options?

Are there a variety of appetizing and nutritious options?

Are special diets accommodated?

Look for heart-healthy choices as well as those rich in anti-oxidants.

“Once you have determined that a particular community is a good fit for your family member, then meet with a community relations person like me to review the payment structure and termination and refund policies,” Santiago added She also recommended allowing up to one year to search for the perfect facility. Some locations offer short-term stays, allowing your loved one time to get to know the community and its staff.

“Interestingly, some people stay rather than move out again,” said Santiago. “When that happens, it’s a win-win for the seniors and their families.”

Westmont of Brentwood is located at 450 John Muir Parkway in Brentwood. For more information, call 925-516-8006 or visit https:// www.westmontliving.com/ca/brentwood/ westmont-of-brentwood/index.aspx

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SEPTEMBER 4, 2020

Choosing a home care provider

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ecently you or a loved one have been thinking you could use some assistance in your home.

Maybe you are experiencing some difficulty walking or are a little more tired than you used to be after dressing and fixing something to eat. When you shower, you are just a little uncomfortable being alone and worry you might fall. Maybe you are thinking you could use some help fixing meals and/or grocery shopping or you have quit driving and need help to get to appointments. Perhaps you have had surgery, like a hip or knee replacement, and you would like someone to come assist you for a few days after you get home from the hospital, a home care provider might be exactly what you need.

First, understand that there is a difference between home care and home health care. Home health care is a service provided by licensed RN’s, physical therapists, speech therapists and other restorative providers. These services are considered medical assistance that are ordered by a physician and are usually paid for by insurance or Medicare.

Home care is a service provided by non-licensed staff often called caregivers, trained to assist you with the activities of daily living. It is designed to help you maintain your independence in your own home. It is most often private pay although some people are fortunate enough to have long-term care insurance. Licensed home care agencies are formally called HCO’s or Home Care Organizations. All HCO’s in California should have a license number. A few home care agencies that are owned by registered nurses do have licensed nurses supervising caregivers but this is not the norm.

Second, it is important to know that you can hire a caregiver through a licensed home care agency or you can be the employer yourself and hire privately. You can find the names of local licensed agencies on the internet, in the newspaper or you may hear of one through a friend or family member. Some internet sites feature private caregivers available for hire. Be aware if you hire an independent caregiver, you still are liable for employer taxes as part of your tax obligation and you need to provide the caregiver with a 1099 at the end of the year for their taxes. You do not want to be charged with tax evasion so be wary of anyone who asks you to only pay them in cash. Regardless of which route you take to hire someone, be sure that the caregiver you choose is registered with the state of California, has had a criminal background check and a TB test. If you hire someone privately, don’t be afraid to ask about these things.

If you hire through a licensed agency, you can be assured that this has been done since it is required to maintain a home care agency license. Also don’t be afraid to ask if a home

care agency is licensed since there are some in Contra Costa County that are still not licensed, even though a license has been required since 2016.

Third, be sure to interview the potential caregiver and find out about their experience and how they obtained their training before they come to your home to actually start work. However, sometimes even more critical than specific experience, is whether you feel comfortable with this person.

Having someone in your home can be fun and productive but can also be an imposition or difficult if you cannot get along with them or your personalities clash. If you are wondering about the cost of different choices, expect to pay about $20 to $25 an hour for a private caregiver and about $29 to $34 an hour for agency help.

One last important item to remember is that a caregiver can be injured while working in your home. You will want to be sure you are protected from personal liability. If you are using a licensed home care agency, they will have workers compensation insurance, general and professional liability and will be responsible for the injury. If you hire privately, check with your insurance agent about your homeowners policy to see what kind of coverage you have for domestic help. Increase your coverage if needed.

In summary, if you need home care and can afford the extra help, it can be a great way to stay in your own home, enjoy your senior years and live your life to the fullest!

– Advertorial

Mary Ann Thode, MPH, JD, RN is the President and CEO of A Better Choice Home Care Agency with offices in Brentwood and Danville, CA. HCO License # 074700009 Below is useful information you can use in deciding whether a licensed HCO (Home Care Agency) or a private provider is best for you. If we can help in any way do not hesitate to call us at (925) 310-4455 or checkout our website www.abcyourcare.com.

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The Caregiver is an employee of the company

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Licensed and regulated by the State of California

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FBI/DOJ background check clearance Registered on the California Caregiver Registry Insured and bonded, workers comp and liability are covered Caregiver has a clear, current, and valid TB test Verification of a clean driving record and insurance Oversite and supervision of caregiver provided Initial and annual training for caregivers provided

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SEPTEMBER 4, 2020

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Trusts, wills and probate, oh my!

DAWNMARIE FEHR

N

avigating the processes to secure property and other assets postmortem seems

a daunting task, one for which professional help can be a lifesaver.

Fortunately, Brentwood is home to not one, but two attorneys who specialize in estate planning and can help you draft a will, living trust and healthcare directive to ensure you are prepared for any eventuality.

Edward Younger has been practicing law for nine years. He said he recommends his clients invest in a complete plan that covers all eventualities.

“Some people do a will without a power of attorney, or just power of attorney, sometimes they overlook a trust,” he said. “I see a lot of people with questions, they don’t understand the difference between a will and a living trust.”

Younger said the difference is fairly simply – a will drags property and assets through a public court process, while a living trust allows assets to be handled privately, quickly and at far less cost.

“Probate court is expensive,” Younger said, noting fees are charged on a graduated scale based on the value of the assets. “You can pass property through a will, but it goes through the probate court . . . you can easily be looking at $10,000, $15,000 or $25,000.”

He added a quick probate case will take approximately nine months. Some cases take years.

Another document he recommended is a health care directive.

“I think every adult needs to have one,” Younger said. “Part of that complete plan should be your health care directive. That’s not related to your finances but should be part of the complete planning process.”

Younger said he sees many people who put off estate planning, or try to do it themselves and

make errors, suffer the consequences.

Ruth Buzzard is also an estate planning attorney in Brentwood. With 30 years of experience under her belt, she can offer her clients everything they need to prepare for the unexpected.

“With the revocable living trust package, there is a series of documents that are prepared and all of them are necessary for various things,” she said.

Her package includes paperwork giving both general and durable powers of attorney, allowing a person of your choosing the ability to pay your bills for you or make decisions should you become incapacitated.

“Anyone who has property in the state of California should be interested in an estate plan,” Buzzard said. “If you don’t create an estate plan, the state of California has one already done. It may not be the people you want to get your stuff, so you want to be sure you have an estate plan in place so the people you want to actually receive things, do.”

Buzzard said she occasionally finds a client does not want to prepare a living trust, preferring to leave their property distribution to a will. She said this is due to a misconception that creating a living trust is transferring their property to someone else.

“There’s no reason to go through probate, and if you have a trust, you can avoid that,” she said. “(With a trust), you are creating an entity on paper. It’s just like if you own a company, and decide you want to incorporate – you aren’t transferring your business to someone else. Now, rather than being the sole proprietor, you are the corporate officers. It’s the same with a trust, you create a legal entity on paper, and you are the initial trustee.”

The Law Offices of Edward Younger are located at 420 Beatrice Court, Suite G1, in Brentwood. For more information, call 925-4204111 or visit https://edwardyoungerlaw.com/.

The Buzzard Law Firm is located at 729 First St., Suite D, in Brentwood. For more information, call 925-516-7459 or visit https://law-offices-ofruth-n-buzzard.business.site/.

Some benefits of growing older

S

eniors are a rapidly growing segment of the population. With so many people living longer, it’s

time to celebrate the perks of getting older rather than the drawbacks. Here are some great benefits to growing old.

Higher self-esteem: The insecurities of youth give way as one ages, and older people have less negativity and higher self-esteem. A University of Basel study of people ranging in ages from 18 to 89 found that regardless of demographic and social status, the older one gets the higher self-esteem climbs. Qualities like self-control and altruism can contribute to happiness.

Financial perks: Seniors are entitled to discounts on meals, museum entry fees, movies, and other entertainment if they’re willing to disclose their ages. Discounts are available through an array of venues if one speaks up. Seniors also can enjoy travel perks, with slashed prices on

resorts, plane tickets and more. The U.S. National Park Service offers citizens age 62 and older lifetime passes to more than 2,000 federal recreation sites for just $10 in person ($20 online or via mail).

Reasoning and problem-solving skills: Brain scans reveal that older adults are more likely to use both hemispheres of their brans simultaneously — something called bilateralization. This can sharpen reasoning skills. For example, in a University of Illinois study, older air traffic controllers excelled at their cognitively taxing jobs, despite some losses in short-term memory and visual spatial processing.

Older controllers proved to be experts at navigating, juggling multiple aircrafts simultaneously and avoiding collisions.

Less stress: As people grow older, they are able to differentiate their needs from wants and focus on more important goals. This can alleviate worry over things that are beyond one’s control.

Seniors may realize how little the opinions of others truly mean in the larger picture, thereby feeling less stress about what others think of them.

– Courtesy Metro Creative

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Ways to protect hearing every day

T

he saying “you don’t know what you’ve got ‘til it’s gone” is never more true than in

regard to hearing.

It’s easy to take hearing for granted, but even momentary hearing loss can highlight how vital it is to protect hearing.

People rely on headphones or earbuds to listen to music, stream movies or participate in work-related meetings more than ever before.

Having the volume too loud can contribute to hearing loss over time.

The Centers for Disease Control and Prevention says five in 10 young people listen to their music or other audio too loudly.

Overall, 48 million people in the United States have trouble hearing in one or both of their ears. Johns Hopkins Medical Center reports approximately 15% of adults 18 years of age or older report some trouble hearing, and the risk of hearing problems increases with age.

Once it’s gone, hearing cannot be restored in many cases. To protect hearing and guard against future hearing loss, consider these recommendations: 1. Ask for a baseline hearing test. It’s easier to measure hearing loss if there is a baseline by which it can be measured. During your annual physical, ask for a hearing test or a referral to an audiologist. This can set the course for monitoring progression of any future hearing loss.

2. Wear hearing protection. There are various types of hearing protection that can filter

out certain levels of sound. Many earplugs, like the ones musicians wear or those worn when attending rock concerts, can reduce the sound by approximately 25 dB. Custom fit ear plugs provide more noise reduction, in upwards of 35 to 40 dB. They are optimal for high-noise environments, such as when mowing lawns or operating machinery, according to the hearing loss resource Hearts for Hearing.

3. Turn down the volume. Experts recommend adhering to the 60/60 rule when enjoying audio through headphones. This suggestion is to listen with the headphones at no more than 60% volume for no more than 60 minutes a day. Earbuds fit directly next to the eardrum and can be harmful to your hearing. If possible, choose over-the-ear headphones instead.

4. Have custom molds made. Rather than turning up the volume, people can have custom ear molds made for use with earphones, suggests Johns Hopkins. The custom ear molds will block outside noise, allowing for higher quality listening.

5. Keep your ears dry. Moisture in the ear can cause bacteria to grow and potentially lead to infections. Towel-dry ears gently after showering or swimming. Avoid the temptation to use cotton swabs to dry the ears. For the most part, ears are self-cleaning, and using a cotton swab can push wax and cause it to become compacted in the ear canal.

In addition to these tips, discussing hearing health with a doctor is a wise idea.

– Courtesy Metro Creative

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DEEP RELIEF CBD

By Gary Whitehead

Many seniors are not aware CBD is extracted from the marijuana plant, seniors can take advantage of the medical benefits afforded by the extract without the head or body sensation often associated with marijuana. Delivering CBD to their bodies in forms like topical gels, tinctures and oils. CBD delivers all of the benefits of marijuana without making the user high Here are 8 reasons why CBD should become a regular part of every seniors’ health routine as they age.

1. Pain Relief Clinical studies have proved that Marijuana is very effective in decreasing arthritis and nerve pain.

Handmade, medical, boutique-style creams are the effective cure of different muscles and joint pains.

2. Bone Health According to a study, cannabis use can help heal fractures and support healthier bones. Because of its anti-inflammatory properties, cannabis can be very useful for patients with multiple sclerosis.

3. Soothing Effects Although CBD is known for its soothing effects on senior consumers, it promotes the feeling of energy and acts against inertia. This is because CBD

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ealth-conscious consumers

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diol, or CBD, oil at some point in recent memory.

Supplement stores, pharmacies and even gyms may promote CBD oil, prompting consumers to wonder just what CBD is and how it may or may not play a role in the treatment of certain conditions, including arthritis.

According to the Arthritis Foundation, two kinds of the cannabis sativa plant, hemp and marijuana, produce cannabinoids, which Harvard Medical School notes is the second most prevalent of the active ingredients of cannabis. People unfamiliar with CBD, a type of cannabinoid, may assume it gets users high like marijuana. However, CBD doesn’t get users high, as another cannabinoid, a psychoactive part of the marijuana plant known as THC, is responsible for that effect.

Advocates for CBD often note its potential to alleviate pain associated with arthritis.

While animal studies have supported those

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Consumers should first consult with their physicians regarding their conditions and whether or not cannabidiol, or CBD, might help them. claims, the Arthritis Foundation notes that such studies do not always translate to humans. In addition, the Arthritis Foundation notes that, thus far, human studies examining the potential efficacy of CBD in treating arthritis pain have produced mixed results, and the Harvard Medical School notes that more studies are necessary to determine the potential of CBD in treating pain, including that caused by arthritis.

Laws also vary regarding the legality of CBD, though many places allow some form of CBD. – Courtesy Metro Creative

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strengthens cells in the human body and contributes to complete regeneration.

4. Fights Glaucoma CBD as a pain management product works well, and may have the added benefit of helping reduce pressure.

5. Insomnia and Sleep Issues CBD can help in the extension of the deep sleep phase and the reduction of the lighter sleeping phases.

6. Alternative to Prescription Medications CBD has been used to combat addiction to prescription drugs.

7. Stimulates Appetite A general, dangerous health hazard among older citizens is the loss of appetite, which causes weight loss, tissue weakness, and mental issues. CBD has proven to be a good appetite stimulant and thus helpful for seniors.

8. Alzheimer’s and Dementia CBD, can contribute to the elimination of a toxic protein related to this disease. This is triggered by a loss of inflammation of the brain and regeneration of damaged cells.

While the potential benefits of CBD use are well documented, it is recommended that you always consult your physician regarding the use of any substance.

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Elderly men and women were among the groups the Centers for Disease Control and Prevention identified as high-risk for severe illness from COVID-19. That forced people 65 years and older to be especially cautious when engaging in otherwise normal activities, including having their vehicles serviced.

In recognition of the threat posed

by COVID-19, many auto dealerships and service shops implemented changes to their operations to ensure the safety of their employees and their customers, including those in high-risk groups. Seniors can take additional measures to ensure they stay safe while having their vehicles serviced. ♦♦ Inquire about safety measures. Before booking vehicle maintenance appointments, seniors should call the dealership or body shop to determine what’s being done to keep everyone safe. Many such businesses quickly implemented new safety protocols so they should be ready and willing to share this information over the phone. Look for specific information about sanitization practices. Are vehicle interiors being sprayed with disinfectant before and after maintenance appointments? Are employees wearing masks each day? Are employees being checked for COVID-19 symptoms before each shift? These are some of the simple yet effective measures many dealerships and body shops are taking to ensure the safety of their customers.

Photo courtesy of Metro Creative

Seniors can take additional measures to ensure they stay safe while having their vehicles serviced. ♦♦ Ask about pickup service. Some communities that reopened encourage high-risk segments of the population to adhere to stay-at-home measures. Elderly men and women are still vulnerable to COVID-19 even if the number of reported cases in their towns has decreased. Pickup service, in which a service shop employee will come pick up and then drop off a customer’s car once the work is done, can be a great way for elderly drivers to have their vehicles serviced without going out in public. Even if pickup is not policy, ask if it’s possible and request that your vehicle be disinfected upon being returned. If pickup is not an option, ask a younger friend or family member to drive your car in for maintenance in your place. ♦♦ Only visit safe facilities. Elderly drivers who must visit a dealership or body shop in person should confirm that waiting rooms feature socially distant seating. If possible, drop the car off and then go for a walk or find somewhere safe off the premises to read a book or listen to music while the work is being done.

– Courtesy Metro Creative

Flu shot more important in 2020

M

illions of people across the globe get flu shots each year. Flu shots

protect people against influenza, but they might provide even greater benefits in 2020.

As the world continues to confront the outbreak of the COVID-19 virus, it’s imperative that people everywhere take every step necessary to protect themselves and others.

The Centers for Disease Control and Prevention notes that a flu vaccine will not protect people against COVID-19. However, flu vaccines have been shown to reduce the risk of illness related to the flu. Those illnesses weaken people’s immune systems, making them more vulnerable to other viruses, including COVID-19.

Flu vaccines have also been shown to reduce the risk of hospitalization. That’s a significant benefit of being vaccinated, as people who get their flu shots can indirectly help

hospitals conserve potentially scarce resources.

As the COVID-19 virus rapidly spread late in the winter of 2019-20, many hospitals across the country and even the globe were stretched incredibly thin. So anything ordinary citizens can do to alleviate such burdens can help save lives while also making hospital workers’ jobs easier and less stressful.

Many people may be concerned about going out and getting a flu shot in 2020.

That’s especially likely for people who live in communities where the COVID-19 virus is spreading. However, the CDC notes that getting a flu shot in 2020 is an essential part of protecting your health and the health of your family. Many doctor’s offices are now insisting patients wait in their cars until doctors are ready to see them, and masks may be required when entering the doctor’s office. Such measures can reduce the risk of getting the COVID-19 virus when visiting a doctor’s office for a flu shot or another visit, so patients should not be hesitant to receive their vaccinations in 2020.

– Courtesy Metro Creative

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Keeping up with health screenings during COVID

E

VERY TIME I HAVE A DOCTOR’S appointment, which luckily, knock wood, is not that often, it is rare that I get lengthy instructions before the visits. Granted every once in a while, if I am having a blood draw done, they will say Senior whether to fast or orner not and when I get my bone density tests, I am told not to wear something with metal like a zipper, but usually it’s just a real come as you are party for me.

Marla Luckhardt Recently my sweet friend in Nevada had to go for the dreaded barium enema. That in itself is extremely unpleasant, especially at our age, but the instructions that they faxed to her not only were totally bizarre, they were two pages long.

This procedure is very serious and I do not take it lightly at all but it is in my nature to try and find the humorous side of everything. So, when she told me about the detailed directives, they sent to her I asked her to forward them to me. COVID has increased my level of boredom apparently and as she started to read them to me, her voice became

C

louder and peppered with extreme laughter. I think it helped her deal with the impending invasion!

They titled them “Preparation Instructions” and began with a list to start two days prior to the procedure.

On day one, she was told to purchase a 10-ounce bottle of Magnesium Citrate, five Dulcolax tablets and one suppository at her local pharmacy. I am a little unclear as to how you purchase those specific amounts but I read on.

It went on to say that is was important for her to follow these directions exactly, (why would you not?) to avoid having to repeat it. Really? Okay, moving on, no pun intended, the letter then advised her to stay close to a bathroom. Makes sense. Without getting too graphic, I would think that nobody who swallows enough of this type of medication would go for a three-mile hike or long drive to the seashore but that’s just me.

Along with the mass quantities of diuretics, which were to all be consumed on day two, it said to drink at least one eight-ounce glass of water 13 times in that same day on top of the clear broth, coffee or tea or non-pulp juice for her meals. I could only imagine her sounding like a surge of 14-foot ocean waves when she walked through her house. Then she

Tests like these can save your life and by letting you know, in great detail how to prepare, you can feel comfortable in staying safe and well. said, she could have some gelatin to which I responded, oh goodie, sounds delicious!

The last part of the instructions mandated that she not only drink the entire bottle of Magnesium Citrate, she could not chew the four tablets but had to take them with yet another glass of water. Finally, there must be no drinking or eating anything after midnight before the procedure but I can guarantee I would certainly have absolutely no desire at that point for any liquids. The morning of the procedure, day three and the big crescendo, there was no food or water just that one lonely suppository for the road! The instructions for that shall remain unreported.

So how did it all go for my friend?

If this more than slightly annoying

Give your loved ones peace of mind!

procedure did not go well, they would do a full colonoscopy which she wanted to avoid at all costs. Luckily it was successful and she got the all clear.

She and I were able to sigh a sigh of relief and then chuckle profusely at the list she shared with me.

The real take away on this through my brevity is that it is important to keep up with health exams through this pandemic. Your doctor is there for you and takes every precaution to keep you safe. Tests like these can save your life and by letting you know, in great detail how to prepare, you can feel comfortable in staying safe and well. If you have a blood work up or any maintenance examination, check with your primary care physician to see if they can be postponed, SAFELY. Use the video appointments whenever you can. Let your doctor know if you have any changes in your system and be diligent and an advocate for your own health. We will all get through this with some common sense, courtesy towards others and following the basic guidance of the scientists. Stay safe and well and keep your sense of humor.

Marla Luckhardt is a Brentwood resident who works with several local senior care and advocacy groups. Reach her at marla2054@aol.com.

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Healthy eating options for seniors

L

et food be thy medicine” is a quote attributed to Hippocrates, the ancient scholar considered

to be the father of modern medicine.

The saying relates to the notion that what people put in their bodies can heal or prevent certain conditions.

For seniors with medicine cabinets full of over-the-counter and prescription medications, the idea of relying predominantly on food to promote optimal health may be tempting, and various foods can be particularly useful to the 50-and-over demographic.

According to the World Health Organization, poor diet is a major contributor to many of the diseases that affect older people. Poor diet has been connected to the development of diabetes, and degenerative diseases such as osteoporosis also may be linked to the foods one eats. The National Council for Aging Care says micronutrient deficiency is often a problem among the aging due to factors like lack of variety in diet and reduced food intake. Eating a variety of foods can provide all of the nutrients people need to stay healthy as they get older.

Certain foods may be particularly helpful. ♦♦ Brain-friendly foods: Foods such as avocado, leafy vegetables, sunflower seeds, blueberries, and salmon are good sources of vitamin E, antioxidants, omega-3 fatty acids, and other nutrients that may help ward off dementia and Alzheimer’s disease, advises Sonas Home Health Care. ♦♦ Anti-inflammatory foods: Foods rich in omega-3 fatty acids may help prevent inflammation that can cause cancer and rheumatoid arthritis. Aging.com says foods that are high in omega-3 fatty acids, like salmon, should be consumed at least twice per week. ♦♦ Fruits and vegetables: Fresh, canned or frozen produce tend to be high in micronutrients, including a variety of important vitamins that are essential for all components

Eating a variety of foods can provide all of the nutrients people need to stay healthy as they get older.

Certain foods may be particularly helpful. of health. The Academy of Nutrition and Dietetics advises eating dark green vegetables, such as leafy greens or broccoli, and orange vegetables, such as carrots and sweet potatoes. ♦♦ Energy-boosters: Choose whole grains that can provide sustained energy by way of healthy carbohydrates over processed grains. ♦♦ Bone-friendly foods: Calcium-rich foods, such as milk, yogurt and cheese, can prevent calcium from being leached from the bones, which contributes to conditions like osteoporosis. ♦♦ Digestive system-friendly foods: The digestive system slows down as the body ages, as the walls of the gastrointestinal tract thicken and digestive contractions that push waste along may slow down and become fewer.

Foods rich in fiber can promote proper digestion by moving food through the digestive tract more easily. High-fiber foods also may help naturally reduce blood cholesterol levels. ♦♦ High-iron foods: Without enough iron in the body, a person may feel tired and lethargic from a reduced production of hemoglobin, which carries oxygen in the blood from the lungs to the rest of the body.

A lack of oxygen in body tissues from anemia can be serious, says the National Council for Aging Care. Tofu, spinach, lentils, pumpkin seeds, and fortified breads and cereals are high in iron.

Smart food choices can help seniors live long and healthy lives.

– Courtesy Metro Creative

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By Michael J. Amthor, Esq.

IF YOU LIVE WITH A LIFE PARTNER, WHO RECEIVES YOUR ASSETS UPON DEATH?

The answer to this question may shock you.

Adults 50 and over who live together and never marry has increased 75% since 2007. The law has very little protections for life partners compared to a spouse. Our court system is simply not set up to deal with people who live together in committed relationships but never marry.

There are numerous spousal rights that come with a marriage certificate. If you don’t marry however, the consequences when your non-marital partner dies can be very unfair.

The good news is that there are a number of documents that unwed partners can enter into to protect each other. However, you have to make an intentional effort to protect yourself financially. The law will not help you.

An estate plan is the first step. At a minimum, a will describing how you want your assets distributed should be prepared. Without a will, the default will be that your partner will receive nothing. Typically, either your children, parents or siblings receive your assets. It does not matter that you have not talked to them in 20 years. The law decides. Other options

include naming your partner as a beneficiary on retirement accounts and life insurance. You can also name your partner to receive bank account or brokerage account funds by contacting the financial institution and completing the correct documents. Some deeds allow for property to remain in the name of the partner upon death.

Other types of deeds result in the partner’s interest becoming a part of their estate and then distributed to a third party you may have never even met or like for the matter. Regardless of whose name is on the loan, the person named on the deed is the owner. It becomes part of the probate estate and distributed to someone other than their life partner.

It is important to have a discussion with your partner and get on the same page. Then contact an estate-planning attorney such as myself to put your plan in writing.

If you have questions on this or any other estate planning topic, call me at (925) 516-4888.

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Exercise and aging: How to work out safely after 50

I

n an ideal world, people young and old exercise each day. But as men and women age, finding

time to work out is not so easy.

Commitments to work and family often take precedence over daily exercise.

As a result, many people 50 and over might not have exercised regularly or at all in many years. But as children grow up or even move out, people facing down their golden years are often compelled to get back in the gym.

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a person’s chances of being healthy and happy in retirement. But before beginning a new exercise regimen, men and women over 50 should take heed of the following safety tips to ensure their efforts are not derailed by accident or injury. ♦♦ Speak with your physician. The National Institute on Aging notes that even people with chronic conditions such as heart disease, diabetes or arthritis can be physically active. However, anyone with such a condition and even those who don’t fall into those categories should consult with their physicians and receive a full physical before exercising. Such a consultation and checkup can shed light on any unknown issues, and physicians can offer advice on how to safely manage any problems that may arise. ♦♦ Begin with low-intensity exercises.

Even if you feel great and have maintained a healthy weight, don’t push yourself too hard at the start. Your body needs time to adjust to physical activity, so choose lowintensity exercises like walking and light strength training so your muscles, tendons and ligaments can adjust. Initially, exercise every other day so your body has ample time to recover between workouts.

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♦♦ Choose the right places to exercise outdoors. Exercising outside provides the best of both worlds for many people, providing a chance to get healthy all while enjoying the great outdoors. When exercising outdoors, choose areas that are not remote and where others can see you and offer help if you suffer an injury or have an accident. Boardwalks, public parks and outdoor gyms are safer places to work out than wooded areas or other places well off the beaten path. ♦♦ Stay hydrated. The NIA notes that

many people lose their sense of thirst as they age. But just because you aren’t thirsty does not mean you don’t need water, especially while exercising. Water regulates body temperature and lubricates the joints, thereby decreasing your risk of injury during exercise.

Exercising after 50 can help people live healthy well into retirement. But caution must be exercised when aging men and women return to exercise after a long break.

– Courtesy Metro Creative

Stretching to support stronger hips en their bones and joints in the hopes

get relief at

Before beginning a fresh exercise regimen, men and women over 50 should make sure they are fit and healthy enough for a new program.

According to AARP, more than 370,000 men and women undergo hip replacement surgeries in the United States each year.

Some may think such surgeries are a final solution to their hip pain, but that might not be the case, as AARP notes than one in 10 hip replacement recipients will need a second procedure for any number of reasons, includ-

ing infection or mechanical failure.

The following are a handful of exercises, courtesy of the AARP, that can help men and women strengthen their hips.

Good Morning Stand with your feet shoulder-width apart and keep your hands at your sides.

With your knees slightly bent and your back naturally arched, bend at your hips as if you’re bowing out of respect as far as you can go, or until your torso is almost parallel to the floor. Return to the starting position.

During the exercise, keep your core braced and don’t bow your back.

Hip Abduction Stand with your feet shoulder-width apart. Loop a resistance band around both ankles, and then raise your right leg out to the side as far as you can. Hold in this position for a moment before slowly returning

to the starting position. Switch legs and then repeat the exercise on the other side.

Hip Adduction Loop one end of a resistance band low around a solid object, then stand to the left of that object before looping the other end of the band around your right ankle. Place your legs shoulder-width apart, and then pull in your right leg until your ankles touch.

Repeat with your left leg, this time moving to the right side of the object.

Glute Bridge Lie on your back with your knees bent and your feet flat on the floor. Raise your hips to form a straight line from your shoulders to your knees, using some type of support if you need to. Clench your butt at the top of the movement, pause, and lower yourself back down.

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Home from page 3B “Our team is incredible,” she said.

“They have hearts of gold, and they want to serve seniors and go above and beyond.”

She said there have been times when her staff has stepped in to help the company’s clients recently, due to a shortage in caregivers. Because of the COVID-19 pandemic, some of the caregivers in higher risk categories have had to remain home, leaving gaps in scheduling. None of the company’s clients have been left alone, though, thanks to a dedicated staff.

HLSC’s clients include seniors who need help or company during the day, individuals who have had a hospital procedure

It just sparked this passion in me to want to provide good care for people.

– Angela DiNicola, President, HomeLife Senior Care and have temporarily reduced mobility, and even those who require round-the-clock care. Caregivers offer a wide range of services and are able to complete or assist

with any nonmedical task.

“Meal prep and making sure seniors eat well is one of our big things, because dehydration is a big problem,” Angela said. “We have some clients who have Alzheimer’s, and they forget to eat. They often end up in the hospital because their family is working or doesn’t live nearby.”

Since the pandemic hit, business has changed a bit. Office staff are working remotely, Angela is providing personal protection equipment to caregivers, and extra steps are taken to ensure no one is endangering vulnerable clients.

“Caregivers wear a mask the entire time they are in the home, and they maintain distance in the home,” Angela

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said. “We don’t require our clients to wear masks, that’s up to them. When the caregiver first gets there, they wipe everything down so it’s all clean and disinfected and do the same when they leave.”

Caregivers also go over a daily checklist before beginning work each day to ensure they aren’t experiencing symptoms of COVID-19.

HLSC is currently looking to hire new caregivers. Interested parties can apply at https://homelifeseniorcare.com/.

HomeLife Senior Care is located at 6440 Brentwood Blvd., in Brentwood.

For more information, or to apply to be a caregiver, call 925-240-5770 or visit https:// homelifeseniorcare.com/.

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