THE COLUMBUS DISPATCH | Special Advertising Section | WEDNESDAY, DECEMBER 10, 2014
MATURE
Living
INSIDE: Finances — How to Build Your Nest Egg Travel — Not Home for the Holidays Health & Wellness — 5 Supplements that Should be on Your List
… AND MORE!
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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, DECEMBER 10, 2014 ■
Consumer Cellular
Selecting a cell phone and plan that fit your lifestyle Whether you’re joining the smartphone crowd or simply replacing a tired, old cell phone, numerous decisions must be made to find the right phone and plan for your life’s next adventure. Interacting with wireless providers’ customer care agents is inevitable, so do some research. Publications like Consumer Reports will rate carriers on various criteria, with customer satis-
MATURE
Living
Vice President Sales Abby Clark Special Sections Advertising Editor Rebecca Walters Special Sections Assistant Melanie Houser Mature Living is a publication of The Columbus Dispatch Advertising Department. For more information, call (614) 461-5000.
faction chief among them. It’s also important to evaluate the coverage available. The major wireless carriers offer nationwide coverage, but it’s possible to get access to the same networks at a fraction of the cost. Mobile virtual network operators (MVNO) pay wholesale prices for network access and offer more competitive pricing. Although flexible calling plans are becoming more prevalent, long-term contracts remain standard practice among major carriers. Read carefully as the fine print may include hidden fees or even penalties for terminating early, switching plans or changing phones. No-contract providers typically offer flexible plans that allow customers to pay for what they use, not what they don’t. Since devices aren’t subsidized, higher-end phones may cost more up front, but the price may be worth having the freedom to make adjustments
without penalty. Consumer Cellular, for instance, lets customers adjust plans at any point if another option saves money. After reviewing provider options, consider the type of phone suitable to your lifestyle. Basic feature phones are appealing if you simply want the convenience of a cell phone. These have calling, tex-
ting and emailing capabilities, and the minimal voice and data use should mean lower bills. Finally, though rare, some service providers still offer trial periods or risk-free guarantees. Take advantage of the opportunity to test a phone to ensure that it meets expectations. If not, it should be possible to trade up — or down — without penalty.
Keep the holidays joyful Address hearing loss before the celebrations (BPT) — The holiday season should be celebrated with joy. It’s when families and friends gather together to reunite and celebrate the end of the year. One thing that can dim this celebratory mood is hearing loss. One in five Americans struggles with hearing loss, according to the National Institute on Deafness and Other Communications Disorders. It’s a common aspect of aging, and it doesn’t affect only the person with hearing loss — it impacts family and friends nearby. “Holiday gatherings can be particularly problematic for people with untreated hearing loss, as many loud voices, background music and other noise can make it difficult to follow, participate in and feel a part of conversations and celebration,” said Dr. Dave Fabry, vice president of Audiology for Starkey Hearing Technologies. It’s often a struggle for families to help their loved ones cope with hearing loss. Talking is the first step. Here are some ideas to initiate the conversation before the holidays arrive. • Set the stage for a successful talk. Choose a quiet moment in a location that is comfortable and familiar to the person with hearing loss. Minimize background noises
that might make it difficult for him or her to hear and understand what you’re saying. • Keep your language compassionate, not accusatory. Because hearing loss is commonly perceived as an older person’s problem, talking about it can be emotional for people. • Focus on the benefits of treatment and be specific. Instead of saying, “You’ll hear better,” provide real-life examples such as, “You’ll be able to hear your grandson sing in church.” • Ease your loved one into the idea of testing for hearing loss. He or she may not be ready to make an appointment to see a hearing care professional. Instead, try an online hearing test. Answering a few short questions and listening to a series of tones takes a few minutes and can give you both an idea of any hearing issues that might require attention. • Explore hearing aid options together. The variety of hearing aids available at a wide range of price points can be daunting, and doubly so for someone coping with hearing loss. Your loved one may have an outdated impression of how hearing aids look and work. Go online to see how small, unobtrusive and technologically advanced many modern hearing aids are.
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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, DECEMBER 10, 2014
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dublin springs
Seasonal affective disorder and aging adults By Carolyn Dix Dispatch Advertising Special Sections As winter approaches, the weather gets colder, the days get shorter and we begin to hear more about seasonal affective disorder (SAD). But what exactly is SAD, and are aging adults at risk? Here’s what Dr. Mark Blair, psychiatrist and medical director for Dublin Springs, a mental health and addiction treatment hospital in Dublin, had to say about seasonal affective disorder. Q: What is SAD? A: Any type of mental illness, especially mood disorders, can have a seasonal pattern, so seasonal affective disorder is most commonly described as a clinical depressive episode — also what we call major depressive disorder — that occurs with a seasonal pattern. The most common pattern occurs in late fall, which is coincidentally around the time of the holidays, so sometimes seasonal affective disorder is misinterpreted as the winter blues or holiday blues. But it is a more severe disorder that will usually need some type of treatment. Q: Are aging adults more at risk? A: It can technically come along at any age. People who are most at risk are those who also had mood disorders earlier in life, such as major depressive
disorder or bipolar disorder. But older individuals are definitely susceptible. Later years are (often) difficult for people because they may have experienced major changes — they retire, their kids move away or they may have lost their significant other. So, there are already going to be a lot of setups for a person to have a difficult time, and in the midst of the holiday period, it can be harder. So sometimes a holiday period puts a person at risk for symptoms of depression. Q: What are the symptoms? A: The holiday time in general is Dublin Springs is a mental health and addiction treatment hospital offering inpatient and when loved ones tend to spend more outpatient services to those suffering from the effects of mental illness and/or addiction. time together, so many times things can ment including talk therapy, but there’s come up that can be precipitated by the er parts of the United States more at risk than those living in warmer, sun- also thought to be a neurochemical stress of the holidays. component. There is evidence that peonier climates? We start to worry about whether the A: It’s kind of indifferent. People who ple have responded to light therapy and symptoms need to be addressed through antidepressant therapy with different live in the Northeast or Northwest or some type of medical assessment when types of FDA-approved antidepressants. anywhere cold tend to have more prothey start to interfere with the person’s Light therapy is just a bright light. It nounced episodes or more frequent epilife or drastically change the way a needs to be a certain amount of exposodes during the times of the change of person perceives the world or relates to sure to bright, white, non-UV related the seasons, whether it’s changing from others. therapy to help simulate what’s lacking If someone starts to notice some dra- cold to warm or vice versa. from the changes in weather. The incidents or overall prevalence matic changes in a loved one — such as Whatever is in it triggers some type of for (seasonal affective disorder) is their personality seems to be different, neurochemical response that is thought thought to be very similar, but again, they’re more irritable, more isolated, to help regulate the chemicals in the that seasonal component is much more more withdrawn, they’re not sleeping brain, like serotonin or dopamine, to well, they’re not able to focus or concen- pronounced where the seasons change. help a person’s overall mental wellbeing. trate — all these things would be clues Q: How do you treat seasonal affec- Not everyone responds to it, but there that something may be wrong. are certain individuals who definitely tive disorder? have a very dramatic response to it. A: There are different types of treatQ: Are aging adults in colder, dark-
Dublin Springs There’s Hope. There’s Help® The holidays can be a time of celebration and joy… But for some the holidays can be a time of sadness, depression, substance abuse, and hopelessness. Dublin Springs Behavioral Health Hospital offers inpatient and outpatient treatment programs to address chemical dependency and mental health issues in a time of crisis. As always, our licensed professionals are here 24/7 to help those in need.
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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, DECEMBER 10, 2014 ■
Not home for the holidays Soak in the beauty of holiday travel (BPT) — Vocalists from Perry Como and the Carpenters to Michael Buble have warbled about how wonderful it is to be home for the holidays. But who says you have to buy into that belief? Not being home for the holidays offers many advantages, including the opportunity to travel, visit far-off loved ones or just immerse yourself in total relaxation during one of the most hectic times of the year. While families with small children may embrace the experience of decorating, cooking and gift-giving in the comfort of their own home, other groups — such as families with teens, couples without kids and baby boomers who love to travel with friends — may feel ready to revel outside their home
zone. Like traveling at any time of year, holiday trips are not without hassles, but the benefits can make the challenges worthwhile. Here are a handful of reasons why not being home for the holidays could make the season bright:
Total relaxation
Instead of hurrying to decorate your home, host a soiree, accept every invitation, prepare enough food to feed an armored battalion, and find exactly the right gift for everyone you’ve ever met, going away to a resort during the holidays can help ease holiday stress. Opt for a quintessential winter getaway like in the Village of Kohler, Wisc., and you’ll enjoy a snowy holiday season, complete with carol-
Image Brandpoint
ers, hot cocoa and holiday decor around every corner.
Visiting loved ones
Is there an adored cousin whom you just don’t get to see that much anymore? A brother who lives five states away whom you haven’t shared the holidays with since you both lived with your parents? Giving up being in your own home for the holidays affords you the chance to enjoy part of the season in the home of loved ones you see infrequently.
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While you spend the whole year with the family you live with or the ones who live nearby, the holidays are the perfect time to reconnect with family and friends who live far away.
Savoring seasonal flavors
Holiday cookies, pumpkin pie and elaborate dinners are an integral part of the season for many people, but they’re also a lot of work. Instead of spending hours preparing and cleaning, you’ll get to share those seasonal
flavors with your traveling companions.
Great travel deals Knowing many people prefer to stay home for the holidays, top hotels and resorts across the country offer travel packages, deals and incentives to entice holiday travelers. Add-ons abound, from all-inclusive offerings with meals, parties and special dinners, to shopping packages that provide travelers with access to and discounts for premium shopping venues.
Ensuring your nest egg lasts during retirement (BPT) — As you approach retirement, are you feeling good about your finances? Now it’s time to start thinking about how you will manage your savings so it provides you with income throughout your retirement years. “Outliving retirement savings is a significant concern for Americans,” said Jennifer Putney, vice president of Total Retirement Solutions for Prudential Retirement. “In a recent survey, Prudential Retirement found that 71 percent of respondents fear they won’t have enough money to last a lifetime, and just one in five is highly confident they’ll have sufficient retirement income,” Putney said. Ten thousand older workers reach retirement age every day, and many will be unprepared for retirement. Nineteen percent of workers 55 and older have account balances of $100,000 to $249,000, and just 23 percent have saved $250,000 or more, according to the latest research from the Employee Benefit Research Institute (EBRI). “Typically, we advise clients to save 10 percent to 15 percent of every paycheck for retirement, and that they start saving early,” Putney said. “The EBRI research indicates many Americans aren’t saving that much.” Retirees face many challenges when trying to save enough money
to last throughout their lifetime. Americans are living longer, markets are volatile, inflation may occur and current investments may fall short. All these factors can add up to an income shortfall during retirement. Here are some tips for workers approaching retirement: • Educational and motivational information is widely available online to help with retirement planning. Various websites provide information about saving for retirement. • Take advantage of everything available to you, including any financial counseling offered by your employer or a plan administrator. Maximize contributions to your workplace-based plan or IRA, and take advantage of IRS-allowed catchup contributions if you’re 50 or older. • Develop a formal transition plan. Your lifestyle will change significantly when you move from actively earning a paycheck to living in retirement. An advisor can help you understand how to manage your savings and spending during retirement, and how to keep your savings growing to generate continued income. • Consider an in-plan guaranteed retirement income option if your employer offers one with your retirement plan. This can help to ensure you’ll have income during retirement, no matter what other spending or investment decisions you make.
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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, DECEMBER 10, 2014
westminster-Thurber community
What is your next splash in life? Dive in to new beginnings at Westminster-Thurber Community Life is a series of beginnings. Some feel that once you reach your sixth decade of life — and you begin to slow down your career and transition into retirement — life is only made up of endings. That is false. Even in retirement you can experience new beginnings. A common path in the third semester of life (ages 60 to 90) is to retire from work, do some traveling, move out of your home and downsize to a condo or other type of maintenancefree residence. It is during this part of your life’s journey that you have the most opportunities to explore new adventures. If you find that retirement is lacking excitement or joy, it is never too late to change course and take a new path. Have you thought of life as an adventure? Maybe you should, because you are on a voyage. Retirement is a wonderful season of life. Retirement is a time to reflect and to grow. So what is holding you back from enjoying the journey you are on? What fear has a hold on you and will not allow you to move forward? Sometimes during retirement, all a person can think of is leisure and being carefree. Those are wonderful, but without meaning and purpose, life can feel empty. So what is the solution? What about moving to a place where life is colorful and good and surrounding yourself with vibrant, active individuals who want to enjoy all of life’s moments (past, present and future) while living a carefree lifestyle? What about moving to a community that can provide you with the lifestyle you want, along with the assurance that when your needs change, the community can provide you with the services and care you require? This type of community is known as a continuing care retirement
Retirement is a wonderful season of life. Retirement is a time to reflect and to grow. So what is holding you back from enjoying the journey you are on? community. Westminster-Thurber Community, located at 717 Neil Ave., has a 49-year history of excellence, and has grown to become the most complete residence for those 55 years of age and older. Individuals from all over Ohio are discovering how retirement living can be a wonderful time where you can continue to experience new beginnings. Excitement is building as Westminster-Thurber Community constructs a new residence for active retirees. The new residence is called Goodale Landing, which will have 68 apartments with seven floor plans from which to choose. Some of the key amenities include underground heated parking, concierge services, a rooftop terrace and community room. In addition, all apartments have 9-foot ceilings, four-season sunrooms, balconies, a laundry room and much more. To request a color brochure or to RSVP for a future Goodale Landing Informational meeting, contact Valerie Hartwell at (614) 228-8888. It’s good living at Goodale Landing. Equal Housing Opportunity
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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, DECEMBER 10, 2014 â–
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