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Financial Steps: 65 and Older


edical check-ups are important to maintain for Americans 65 and older, but so too are financial ones.

Retirement can be one of the most enjoyable parts of life, but what happens if you outlive your nest egg? What if a medical issue occurs and negatively impacts both your health and savings account? It is important to be prepared financially for situations that may arise, as well as for the fun and traveling you want to experience after parting ways with your career.

mends you maintain a healthy, diverse portfolio that leans a little on the safer side. Investing too conservatively can have an overall negative impact on the savings of seniors who live on well beyond the average life expectancy. Hire a reputable financial adviser to talk you through the investment process.

Investment Strategy

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As you reach retirement, you may consider moving some of your investments out of higher-risk stocks and into lowerrisk mutual funds and bonds. The American Association of Retired Persons suggest such a strategy, but not to an extreme level. The organization recom-

The government – both federal and state – offer various benefits to older Americans. Programs including energy assistance and property tax relief are implemented to help seniors save more of their money for daily living. Contact your local private and public

agencies to find out your options and eligibility status. Discounts are also available for everything from sporting event tickets to admission to national parks. You have put in the work, so now it is time to reap the benefits.

Working Beyond 65 To work or not to work beyond 65. That is the question facing so many Americans

approaching retirement age. For some of us, it simply is not financially feasible to call it quits. Changes in our economy and increased prices of overall daily living have stunted the retirement boom and forced many older Americans to keep on working. If you fall into this category, it is important to keep contributing to your retirement plan as you work past 65.






dvancements in medicine and health care have played major roles in expanding the percentage of Americans who are age 65 and older.

The Administration on Aging reports that 12.9 percent of the U.S. population — about one in every eight Americans — falls into this category with the numbers expected to rise to 19 percent by 2030. This segment’s growth slowed during the 1990s but is beginning to rapidly expand as the baby boom generation approaches age 65. Another key number is 78.6, the average life expectancy of Americans. The senior population is growing and also living longer, making it an exciting time to be entering your golden years.

Key Factors The Centers for Disease Control and Prevention identifies many key factors driving the rising life expectancy, among them major victories in medicine and public health. Vaccination against disease, control of infections and decline from deaths caused by heart disease and stroke are all major contributors to the rising life expectancy. Improved safety in motor-vehicles, workplaces, food and water are also reasons for the growing senior segment.

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Outliving the Average Many Americans eclipse the average life expectancy by 10, 20 or even 30 years. What is their secret? Many centenarians and seniors in their 80s and 90s follow diets high in fruits and vegetables and low in processed foods and fatty meat. They are also highly social, with involvement in community groups and events. Spending time with friends and family members is important for emotional wellbeing and health.

Health and Life Expectancy Even though life expectancy is up, more Americans are suffering from non-fatal disorders, according to a new study published by the Journal of the American Medical Association. Researchers discovered that a longer life expectancy doesn’t always come with a healthy quality of life. Physicians urge older Americans to incorporate healthier diets, smaller portions, more exercise and better management of stress to cut down on the number of preventable diseases.

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Patchwork Quilt “Public Service Information Articles for the Elderly” - Elderbridge Agency on Aging

Warning signs of Parkingson’s Parkinson's disease is when your brain stops making an important chemical called dopamine. This chemical helps your body to move, and also helps your mood. Some of the following problems could be signs of Parkinson's disease: n Tremor or Shaking - Have you noticed a slight shaking or tremor in your finger, thumb, hand, chin or lip? Does your leg shake when you sit down or relax? Twitching or shaking of limbs is a common early sign of Parkinson’s disease. n Small Handwriting - You may notice the way you write words on a page has changed, such as letter sizes are smaller and the words are crowded together. A sudden change in handwriting is often a sign of Parkinson’s disease. n Loss of Smell - If you seem to have more trouble smelling foods like bananas, dill pickles or licorice, you should ask your doctor about Parkinson’s disease. n Trouble Sleeping - Do you thrash around in bed or kick and punch while you are deeply asleep? You might notice that you started falling out of bed while asleep. Sudden movements during sleep may be a sign of Parkinson’s disease. n Trouble Moving or Walking - Do you feel stiff in your

body, arms or legs? Sometimes stiffness goes away as you move. If it does not, it can be a sign of Parkinson’s disease. You might notice that your arms don’t swing when you walk, or maybe other people have said you look stiff. An early sign might be stiffness or pain in your shoulder or hips. People sometimes say their feet seem ‘stuck to the floor.’ n Constipation - Do you have trouble moving your bowels without straining every day? Straining to move your bowels can be an early sign of Parkinson’s disease and you should talk to your doctor. n A Soft or Low Voice - Have other people told you that your voice is very soft when you speak in a normal tone, or that you sound hoarse? If there has been a change in your voice you should see your doctor about whether it could be Parkinson’s disease. n Masked Face - Have you been told that you have a serious, depressed or mad look on your face more often, even when you are not in a bad mood? This serious looking face is called masking. Also, if you or other people notice that you have a blank stare or do not blink your eyes very often, you should ask your doctor about Parkinson’s disease.

Elderbridge Agency on Aging serves people over the age of 60, and their caregivers, in 29 counties of northwest and north central Iowa. Call 1-800-243-0678 if Elderbridge can be of assistance to you. n Dizziness or Fainting - Feeling dizzy or fainting can be signs of low blood pressure and can be linked to Parkinson’s disease. n Stooping or Hunching Over - If you or your family or friends notice that you seem to be stooping, leaning or slouching when you stand, it could be a sign of Parkinson’s disease. No single one of these signs means that you should worry about Parkinson's disease. However, if you have more than one symptom, you may want to visit with your health care provider. Information taken, in part, from an article entitled “10 Early Warning Signs of Parkinson’s Disease” on the following website:

Dinner Date Menu Dinner Date menus April 28-May 30. Meals served at 11:45 a.m. in the Senior Citizen Center at 4 N. Seventh St. Milk and coffee served with each meal. Take-outs are available. Reservations must be made before 12:30 p.m. the day before you plan to dine by calling 712-362-7018. April 28: Chicken tortilla bake, beets or layered lettuce, hot fruit compote, chocolate chip bar, OJ. April 29: Crab or tuna salad, potato salad, corn salad, cranberry/pear crisp, WW roll, raspberry lemonade. April 30: Shepherdʼs pie, asparagus, apple raisin salad, royal brownie, WW bread. May 1: Baked chicken, baked potato, three-bean salad, cranberry/peach crisp, tomato juice. May 2: Roast beef, potatoes w/gravy, carrots and broccoli, applesauce jello, OJ

May 12: Tater tot casserole, tossed salad, apple slices, oatmeal fruit bar. May 13: Chicken salad sandwich, potato salad, tomato spoon salad, melon cup, raspberry lemonade. May 14: Fish nuggets, roasted red potatoes, lima beans, WW bread, strawberryrhubarb crisp w/ice cream. May 15: Turkey roast, potatoes w/gravy, spinach au gratin, blushing pears, tomato juice. May 16: Egg salad sandwich, macaroni salad, copper pennies, royal brownie, OJ. May 19: Meat loaf, baked potato, peas, angel food cake, strawberries. May 20: Baked chicken, baked beans, asparagus, apricots. May 21: Tuna and noodles, peas, creamy cole slaw, cinnamon apples, raspberry lemonade. May 22: Liver and onions or beef patty, boiled potatoes w/gravy, mixed vegetables, peach crisp, OJ. May 23: Cookʼs choice.

May 5: Salisbury ground beef, mashed potatoes, peas, mixed fruit, raspberry lemonade. May 6: Cookʼs choice. Birthday day. May 26: Memorial Day - closed. May 7: Lemon herb chicken, rice pilaf, dill baby carrots, strawMay 27: Crunchy pollock, potato wedges, peas, chocolate cream pie, raspberry berry and banana gelatin, tomato juice. lemonade. May 8: Sloppy joe on WW bun or crunchy pollock, potato wedges, brussels May 28: Ham loaf, roasted red potatoes, California blend, raisin rice pudding. sprouts, tapioca pudding, OJ. May 29: Cheeseburger, WW bun, Santa Fe corn, baby carrots, plums. May 9: Pork loin chop, potatoes w/gravy, squash, WW roll, apple crisp. May 30: Golden baked chicken, potatoes w/gravy, garden beans, melon cup, WW roll, tomato juice.




CELEBRATE NATIONAL NURSING HOME WEEK The Good Samaritan Society Estherville would like to invite everyone to help us celebrate “National Nursing Home Week”, May 11-17 “The closest thing to being cared for is to care for someone else.” —Carson McCullers




As we celebrate National Nursing Home Week our thoughts turn to our wonderful Good Samaritan family; residents, their families, caretakers, and friends. We recognize the blessing of having a place that can provide compassionate, holistic, care for those in need in our community and beyond. We also recognize all of those who we work with on a regular basis, and those who generously support our mission by volunteering, with a donation, or by keeping us in their prayers. The other day a family member of one of our residents made an astounding observation. He stated, “I am amazed that you actually have caregivers, working here, who truly care!” This was confirmation of our mission “To share God’s love in word and deed and believing that in Christ’s Love Everyone is someone.” I think Leo Buscaglia said it best “Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.” As care givers we have that opportunity every day. In celebration our staff has planned a week of fun, fellowship & appreciation by hosting the following events for this special week: n We start a little early by hosting our Ladies Day Open House scheduled for Saturday, May 3. We will be serving refreshments in the dining room from 2-3 p.m.. as we listen to musical entertainment provided by Lyn Roesler. Ladies and gentlemen are welcome to attend. n Monday, May 12th -Wild hat and/or tie day. Residents, staff, and visitors are welcome to wear their “Wildest” hat and/or tie! n Tuesday, May 13th – Pajama Day. Residents, staff, visitors are welcome to stay in their P.J.’s all day long! n Wednesday, May 14th – Retro Day. Residents, staff and visitors are welcome to wear their favorite attire from the 50’s, 60’s, 70’s, or 80’s. A Malt Shoppe will be serving from 2-3 p.m. in the dining room as we listen to music from the 50’s & 60’s. n Thursday, May 15th – Residents, staff, and visitors are welcome to “sport” their favorite team. n Friday, May 16th – We wind are week down with Cowboy Day. Residents, staff and visitors are welcome to wear their finest western apparel! We invite the community to stop by and join in the fun!


Senior Fitness R



egular exercise has never been more important for our nation. As health numbers continue to dip and chronic illnesses become more prevalent, what we do to combat these numbers will work toward improving our combined health.

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Exercise lowers risk factors linked to the development of preventable diseases such as obesity, high blood pressure and diabetes. The Centers for Disease Control and Prevention credits regular physical activity as one of the most important steps to take to prevent serious health problems that can occur with age. So make a plan to jog, lift or swim your way into good health. Your body, energy level and brain will thank you.

activities for at least twoand-a-half hours every week. Incorporate brisk walking, bicycling, jogging or dancing into your daily activities and reap the benefits of a healthier cardiovascular system.

exercise is what will make the difference in improving your health and wellbeing.

Joint Relief

Many experts recommend relaxation techniques as a great way to maintain fitness. Strengthen Your Water-based progressive muscle relaxation methods Muscles Adding muscle-strength- or even water yoga have become popular exercise ening exercises into your routine can produce long- programs across the nation. Practicing such term health benefits and decrease the chance of dis- methods can help loosen tight muscles, ease joint abilities that can somepain and reduce blood times lead to depression. pressure. If lifting weights is not Aerobic Activity enjoyable for you, try yoga The Arthritis Foundation Aerobic exercise increas- or working with resistance urges seniors to take local es cardiovascular fitness, classes or participate in bands. You can also inteendurance and overall exercise routines that work grate strengthening exerhealth. cise through heavy garden- on your flexibility and CDC guidelines recomdexterity. Doing so can ing or yard work. mend that older adults Find the right routine for help take the pressure off with no limiting health you and stick with it. The the aching in your fingers, conditions participate in knees and ankles. consistency of a regular moderate-intense aerobic




Using Technology


ccording to a recent study by Pew Research Center, more than half of older Americans are internet users.

An even larger percentage of seniors have mobile phones. This technology trend is on the rise and has helped equip older populations with vital tools in a tech-savvy culture. For many, however, the internet, social networking sites and smartphones are uncomfortable and difficult to understand. If this signifies your experience with new technology, then don’t feel pressured to jump right in. Take your time and talk with friends and family members about where to begin.

Internet Resources The internet certainly is a

vast, multi-faceted entity — one that can be somewhat intimidating for first-time users. But once you understand the basics, the internet can become your best friend. Full of medical, financial and everyday information, the World Wide Web is a resource center waiting to educate and advise you on nearly any topic you would like to learn more about.

Photos, updates on grandchildren and announcements of upcoming events are all reasons to create and maintain an active social networking presence. And as many studies have shown, more socialization can lead to major health benefits, too. Start off slowly by joining an online forum that encourages healthy conversation and then work your way up to a social networking site. Social Most of these sites contain Networking an online user’s guide to Facebook, Twitter and help you understand all of ing centers offer classes for other social networking sites their features. all levels of expertise. are easy to use and serve as Courses are designed to Technology great ways to stay in touch teach computer basics, typCourses with friends and family ing, software tutorials and Local colleges and learnmembers. internet usability.

Welcome Home

These classes are generally small to encourage collaboration and questions, providing a comfortable place to develop your new skills. If you are well-versed in

using the internet, there is also a multitude of online resources designed to help you accrue technologybased knowledge from the comfort of your own home.

Our home-like setting and caring staff will make you feel welcome right from the start. Choose from a number RIVHQLRUOLYLQJRSWLRQVDQGVHUYLFHSODQVWRÀW\RXU preferences and needs. ‡,QGHSHQGHQW/LYLQJ ‡$VVLVWHG/LYLQJ ‡6NLOOHG1XUVLQJ&DUH ‡5HKDELOLWDWLYH&DUH ‡+RXVHNHHSLQJDQG/DXQGU\6HUYLFHV




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