55 & better 2016

55&

JULY/2016

Better 2016

Tips

for Grandparents helping to raise grandchildren PAGE 4 Protect your joints and prevent pain PAGE 10

PAGE 2

55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016

s active as A you want to be.

Maintaining an active lifestyle is easy at Good Samaritan Society – St. Peter. Whether it’s an evening stroll outside or just filling up your social calendar, we offer plenty of opportunities to be healthy, active and fulfilled.

To learn more, call (507) 931-8545.

All faiths or beliefs are welcome.

55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016

Member FDIC

www.fnbmn.com

PAGE 3

Orthopedic surgery in Mankato

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Mayo Clinic Health System offers comprehensive orthopedic care to people of all ages. Our expert services include: • Arthroscopy ACCEPTING RESIDENT APPLICATIONS

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• Wellness Programs • Chapel • Beauty Salon • Community Room • Public & Private Dining Rooms • WiFI

• Medication Administration • 24 Hour Staffing • Chapel nursing staff will include RN’s, •LPN’s and CNA ’s • Three meals daily Oak Terrace’s • Housekeeping Theater to accommodate a higher level of care.

• Transportation • Rehab Services Visit our Web Site at www.OakTerraceLiving.com / or call 507-387-2037 Individualized care, qualified staff , ample activities and a peaceful environment. Oak Terrace Senior Living of Le Sueur is the right choice for all care needs.

Visit our website at www.oakterraceliving.com or call 507-593-8500 Campuses in Le Sueur, North Mankato, Gaylord and Jordan, MN.

• Fracture care • Knee, hip and shoulder joint replacement • Sports medicine

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Call 1-877-412-7575 (toll-free) to schedule your appointment.

PAGE 4

Tips for grandparents helping to raise children

55 & Better

A

s retirement age approaches, many older adults envision themselves downsizing and moving to a quaint community to enjoy their golden years in as relaxing a fashion as possible. However, for a growing number of seniors, their retirement years are being spent helping to raise grandchildren.

United States Census data from 2010 indicates 4.9 million American children are being raised solely by their grandparents. Many grandparents provide part-time care when their older children have to move back home with their families, as roughly 13 million children are now living in homes with their grandparents.

Although being raised by grandparents may not be the ideal situation for all parties involved, such situations are a necessity for many families. Seniors who are once again thrown into the caregiver arena may need a crash course in childcare or a few pointers on parenting in the modern age.

• Get the right equipment. Children certainly require a lot of gear, more than grandparents likely used when raising their own children. Certain

Wednesday, July 6 & Thursday, July 7, 2016

safety requirements are in place to safeguard young children, and that often means investing in new cribs, car seats, high chairs, and other items.

Grandparents should resist the temptation to use old items they may have kept in storage, as such items may no longer be safe and could put grandchildren at risk for injury.

• Gather important documents. Grandparents should keep pertinent documents in one easily accessible place in their homes should an emergency arise. These include birth certificates, health immunization records, death certificates (if the child’s parents are deceased), dental records, school papers, citizenship papers, and proof of income and assets.

• Speak with an attorney. Lawyers can help grandparents wade through legal arrangements, such as filing for custody, guardianship or adoption. Options vary depending on where petitioners live, but lawyers can provide peace of mind to grandparents concerned about their grandkids’ futures.

• Investigate financial assistance. Seniors may not earn the income they once did and may be on assistance programs or living off of retirement savings. Grandparents who find themselves caring

55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016 for a child may be eligible for financial assistance. The Temporary Assistance for Needy Families is a joint federal and state program that can provide need-based financial assistance. The AARP or the organization GrandFamilies may be able to put grandparents in touch with financial advisors in their areas.

• Contact schools and daycare centers.

School-aged children will need to be enrolled in school. Grandparents should contact the department of education where they live to learn about local school systems, especially when grandkids are moving in with their grandparents. Some grandparents can qualify for free or lowcost daycare, and such programs can be discussed with local Social Services offices.

Enrollment in school or daycare can provide grandparents with much-needed free time during the day.

• Find emotional support. Taking care of grandchildren is a full-time job. At times, grandparents may feel stressed or out of sorts. Having a strong support system available can help grandparents work through the peaks and valleys of this new and unexpected stage in life. Church- or community center-based counseling services may be available. Grandparents also can check with their healthcare providers to determine if counseling or therapy sessions are covered under their plans.

Caring for grandchildren is a life-changing event. Although it can be fulfilling, it also requires a lot of energy and commitment. But grandparents needn’t go it alone, as there are numerous resources available to seniors who suddenly find themselves caring for their grandchildren.

METRO SERVICE

ining Casual D with a Great View

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PAGE 5

55 & BETTER JULY 2016 A special publication of the Le Center Leader, Le Sueur News-Herald, and St. Peter Herald at no additional charge. All advertising contained herein is the responsibility of the advertiser. All rights reserved. ©2016

Publisher: Chad Hjellming

Senior Services 5-Star Nursing Home short-term and long-term care

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55 & BETTER

PAGE 6

Wednesday, July 6 & Thursday, July 7, 2016

U

Part-time consultant work may be just what retirees are looking for to fill their time and earn some extra money.

Great parttime jobs for retirees

pon retiring, many newly minted retirees find themselves looking for ways to fill their free time.

Hobbies may not take up too much time, and travel can stretch retirees’ budgets.

One way that retirees can make great use of their free time and make a little extra money is to find part-time employment. Part-time jobs can help retirees maintain their connections with their communities, whether it’s their professional community or the community in which they live, while also providing a sense of purpose. Retirees interesting in finding part-time work may want to consider the following jobs.

Nicollet County Public Health

6th 4thAnnual St. Peter Area

• Waiver Services/

• Public Health Neighbor

• Home Care • Loan Closet • Mn CHOICES

• Senior Transportation • P.A.L.S. (Partners in Active

Case Management

Senior Expo St. Peter Community Center

Save the Date September 15th, 2016 2-5pm This program is made possible with funds provided by the St Peter Tourism Visitors Bureau.

• Consulting work: Many retirees have long resumes, and that experience is still valuable even after retirement. Consulting firms often hire experienced businesspeople on a project or contract basis, which can be great opportunities for retirees to fill their time and make sizable amounts of money without having to commit to long-term employment.

• Teaching: Retirees can also put their professional experience to work in the classroom. Inquire about teaching opportunities at a nearby university or even the local high school. Such opportunities may only be available on a volunteer basis, but some might pay parttime salaries or small stipends. Either way, many retirees find that working with young people helps them stay young, and passing on lessons learned to younger generations can provide a strong sense of purpose.

• Seasonal work: Seasonal work is another great way for retirees to fill their time and make a little extra money along the way. Come the holiday season, retirees should have no trouble finding seasonal retail work at their local malls or shopping centers. In warmer months, retirees may find seasonal employment at area beaches, golf courses or parks.

• Sports teams: Retirees who live in cities with professional sports teams may be able to find work with their favorite franchise. Professional sports franchises often rely on retirees to staff in-game positions like ushers and concessions employees, and some may even hire retirees to greet fans. While the pay might not be great, such positions are ideal for retirees who happen to be big sports fans.

• Crafts: Retirees with a love of crafting can turn their hobby into income. For example, Etsy.com makes it easy for creative entrepreneurs to post their creations and sell them to buyers all over the globe. Sellers often dictate how quickly they can make and ship products, so retirees need not feel worried about being rushed.

Many retirees still work even after calling it a career, and opportunities abound for men and women looking to fill their time and make a little extra money along the way.

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55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016

How to determine if downsizing is for you Smile

A

s men and women retire or approach retirement age, many opt to downsize their homes. Such a decision can save older adults substantial amounts of money while also liberating them from the hassle of maintaining large homes they no longer need.

Downsizing to smaller homes or apartments is a significant step, one that homeowners should give ample consideration before making their final decisions. The following are a handful of tips to help homeowners determine if downsizing to smaller homes is the right move.

• Get a grip on the real estate market. Downsizing is not solely about money, but it’s important that homeowners consider the real estate market before putting their homes up for sale. Speak with a local realtor or

PAGE 7 your financial advisor about the current state of your real estate market. Downsizing can help homeowners save money on utilities, taxes and mortgage payments, but those savings may be negated if you sell your house in a buyer’s market instead of a seller’s market. If you think the current market won’t get you the price you are hoping for, delay your downsize until the market rebounds.

• Take inventory of what’s in your house. Empty nesters often find that their homes are still filled with their children’s possessions, even long after those children have entered adulthood and left home. If the storage in your home is dominated by items that belong to your children and not you, then downsizing might be right for you. Tell your children you are thinking of downsizing and invite them over to pick through any items still in your home.

Once they have done so and taken what they want, you can host a yard sale, ultimately donating or discarding what you cannot sell. Once all of the items are gone, you may realize that moving into a smaller place is the financially prudent decision.

• Examine your own items as well. Your children’s items are likely not the only items taking up space in your home. Take inventory of your own possessions as well, making note of items you can live without and those you want to keep. If the list of items you can live without is extensive, then you probably won’t have a problem moving into a smaller home. If you aren’t quite ready to say goodbye to many of your possessions, then you might benefit from staying put for a little while longer.

• Consider your retirement lifestyle. If you have already retired or on the verge of retirement and plan to spend lots of time traveling, then downsizing to a smaller home may free up money you can spend on trips. And if you really do see yourself as a silver-haired jetsetter, then you likely won’t miss your current home because you won’t be home frequently enough to enjoy it. If travel is not high on your retirement to-do list but you have a hobby, such as crafting, restoring classic cars or woodworking, that you hope to turn into a second profession, then you might benefit from staying put and converting your existing space into a workshop.

Many retirees downsize their homes, but this decision requires careful consideration of a variety of factors.

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PAGE 8

55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016

Travel benefits for those ages 50 and up Scheduling flexibility and discounts are just two of the perks awarded senior travelers.

O

ne of the best things about aging is being able to enjoy the fruits of your labor without as many obligations as you might have had when you were a younger adult. For example, many men and women have a lot more freedom to travel once they turn 50.

Many of today’s older adults have a wealth of discretionary time, and those who focused on retirement planning from an early age have the money to fund a recreational lifestyle. Travel companies and other businesses understand that Baby Boomers and other seniors are valuable customers and are rolling out the red carpet with a bevy of discounts and perks.

AARP Services, Inc. has long been a trusted resource in senior-based information and resources. The organization continues to broker relationships with various companies to arrange deals on travel-related services and products for older men and women. Members of AARP can link directly to deals through the organization’s website.

In addition to companies that work with AARP, many other travel companies have discounts or other perks available to men and women over 50. All consumers need to do is inquire about such benefits. When in doubt, log on to the company’s website or give their customer service department a call.

Here are some other ways to secure deals

can travel when you want to.

• Always carry proof of age. Whether it is a driver’s license, AARP card, passport, or birth certificate, carry proof of your age at all times. You do not want to miss out on a discount because you cannot verify you are 50 or older. Though being mistaken as younger could be a boost to your ego, it will not benefit your bottom line.

• Explore airline perks. Men and women 55 and older may be eligible for ‘goldenagers’ discounts at major airlines. Such deals are not typically advertised, so you may need to speak with an airline representative to secure the discount. Seniors also can request special services, such as baggage assistance, priority seating and a ride to the gate, at the airport.

• Try negotiating with vendors. If you cannot find a senior discount, consider negotiating with vendors for deals. Local hotels or businesses may prove more flexible than national chains. It never hurts to

on travel and other services. of senior discounts and compare them • Do some networking. Fellow seniors to other promotions offered to anyone, who log in to chat rooms or who are mem- regardless of age. You may be able to get a bers of social clubs may have the inside better deal or combine offers if you’re not scoop on age-based travel deals. Learn the locked into a senior plan. Also, check the ropes from others who have been there dates when deals are valid to ensure you CONTINUED PAGE 9 before you and take notes on which 175 E. Derrynane | Le Center, MN | 507-357-4104 companies www.ecumenlecenter.org offer the Join our commuity and enjoy home cooked meals, Michelle Lund, D.D.S. | Bethany Kjellgren, D.D.S. best deals. social interaction and still maintain your independence.

• Read We create home...

We can help you make your smile Assisted Living • Memory Care • Respite Care the fine look as young as you feel! print. Understand Call us to set up an appointment! the details (507) 931-5646 We create home for older adults, wherever they chose to live

217 Nassau Street • St. Peter

55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016

PAGE 9

How to get and keep your finances in order

I

n 2015, analysts with the Government Accountability Office found that the average American between the ages of 55 and 64 had accrued roughly $104,000 in retirement savings, a shockingly low figure that would make it very difficult for men and women nearing retirement to maintain their quality of life into their golden years.

Things don’t look much better north of the border, where the 2015 Global Investor Pulse Survey from the asset management firm BlackRock found that the average Canadian in the same age group had amassed an average of just $125,000.

While many people fear retiring with small nest eggs, that fear has apparently not been enough to inspire men and women to commit to saving more money for their golden years. But retirement saving is essential, especially since life expectancies are rising. According to the United Nations Department of Economic and Social Affairs, global life expectancies at birth are expected to rise to 76 years by the mid-21st century. That’s a far cry from the mid-20th century, when global life expectancy from birth was roughly 48 years.

Longer life expectancies mean men and women will have to find ways to make their money last throughout their retirement. The earlier adults figure out how to keep

CONTINUED FROM PAGE 8

ask for a senior discount.

• Embrace flexibility in scheduling.

Unlike students or business travelers, seniors tend to have freedom with regard to the days of the week when

their finances in order, the more money they will have when the time comes to retire. The following are a handful of strategies men and women can employ to rein in their finances in the hopes of saving more for retirement.

• Review your finances at least once per month. Hectic schedules or fear of the financial unknown make it easy for adults to ignore their finances for long stretches of time. But adults should review their financial situation at least once per month, examining how they are spending their money and if there are any ways to cut costs and redirect dollars going out into their retirement accounts.

Redirecting as little as $100 per month into a retirement account can add up to a substantial amount of money over time.

• Pay monthly bills immediately. Many adults receive monthly bills for utilities, rent/mortgage, phone, and television/Internet. If you have the money in your account, pay these bills the moment you receive them.

Doing so is a great way to avoid overspending on other items, such as dining out or shopping trips, and then finding yourself scrambling to pay bills come their due dates. Once all the monthly bills have been paid and you have deposited money into your savings/retirement accounts, then you can spend any leftover money on nights out on the town or new clothes if you feel the need.

they can travel. You have the flexibility to go and come as you please without having to coordinate with vacation time or school breaks. Use this to your advantage and travel during off-peak times when crowds will be small and rates may be lower.

Stay Active.....Come to the C

St. Peter Senior Center!!

• Buy only what you can afford. It sounds simple, but many adults would have far more in their retirement accounts if they simply avoided buying items they cannot afford. According to a 2015 Harris Poll conducted on behalf of NerdWallet, the average credit card debt per indebted American household in 2015 was $15,762.07.

Adults who want to get their finances in order and start saving more for retirement should put the plastic away and only make purchases with cash or debit cards that take money directly out of their bank accounts once the card is swiped.

• Downsize. Downsizing is another way to free up more money for retirement savings. Empty nesters can save money by downsizing to a smaller home or even an apartment. Drivers who no longer need room for the whole family can downsize from SUVs or minivans to smaller, more fuel-efficient vehicles. Adults also may be able to downsize their entertainment, switching from costly cable packages to basic plans or cutting the cord entirely and subscribing to more affordable streaming services.

Getting a grip on spending can help adults save more for retirement and ensure their golden years are not compromised by lack of funds.

METRO SERVICE

Don’t feel down if you’re approaching another milestone birthday. Entering into your golden years gives you access to a variety of perks and discounts that can save you time and money on travel.

METRO SERVICE

omfort First

is located on the corner of East Ferry Street and Plum Run (across from the High School)

This two story building offers 43 assisted living and memory care suites.

There are many amenities to enjoy within our community including intimate dining room spaces, secured memory care space, salt water aquariums, a fireplace lounge, beauty shop, and outdoor patios.

• PALS Exercise Program

(Partners for Active Living for Seniors)

• Senior Dances • Breakfast at the River • Bridge, Pfeffer, 500 • Medicare & Insurance Assistance • Monthly Birthday Dinners • Bi-Monthly newsletter • Foot Clinics • Buffet Lunch at Gustavus

and enjoy the drive.

Same Ownership, Same Great Care

Sylvia Perron, Coordinator www.saintpetermn.gov/senior-center

Keep up on car maintenance for safe, secure and worry free travel.

Le Sueur Assisted Living is now Comfort First Assisted Living.

St. Peter Community Center 600 South 5th Street - Suite 219

507-934-7434 or 507-934-0667

Relax

Call us at 507-665-2499 or visit www.comfortfirstmn.com to see what sets us apart from the rest!

105 Plum Run, Le Sueur, MN

With ASE Certified Technicians

of St. Peter

111 Jefferson • 507-934-9290

Approved Auto Repair

Certified Technicians

PAGE 10

55 & Better

Wednesday, July 6 & Thursday, July 7, 2016

Protect your joints and prevent pain

J

oints play vital roles in the human body, forming the connections between bones and facilitating movement. Damage to the joints can be especially painful, and that damage may result from conditions such as osteoarthritis or gout.

While not all joint pain is debilitating, the discomfort of joint pain is such that it’s wise for adults to take steps to protect their joints with the hope of preventing joint pain down the road. Recognizing that joint pain can negatively affect quality of life, the Arthritis Foundation offers the following joint protection tips to men and women.

• Forgo fashion with regard to footwear. When women choose their footwear, fashion should not be their top priority. According to the Arthritis Foundation, threeinch heels stress the feet seven times more than one-inch heels and heels put additional stress on knees, possibly increasing women’s risk for osteoarthritis. Though heels may be fashionable, the risk of developing joint pain is

not worth making the fashion statement.

• Get some green in your diet. A healthy diet pays numerous dividends, but many may not know that a healthy diet can help prevent joint pain. Green vegetables such as spinach, broccoli, kale and parsley are high in calcium and can reduce age-related bone loss while also slowing cartilage destruction.

• Shed those extra pounds. If you start including more healthy vegetables in your diet, you might just start to lose a little weight as well. Such weight loss also can help your joints, as the AF notes that every extra pound a person gains puts four times the stress on his or her knees.

The AF also notes that research has shown that losing as little as 11 pounds can reduce a person’s risk of osteoarthritis of the knee by 50 percent.

• Hit the pool. Swimming is a great full-body workout and can be especially helpful to the joints. The buoyancy of water supports the body’s weight, reducing stress on the joints and minimizing pain as a result. If possible,

swimmers already experiencing pain should swim in heated pools, which can help relieve pain. While you can still benefit from swimming in pools with colder temperatures, cold water may not soothe the joints like warm water can.

• Take breaks at work. Many people develop joint pain thanks to their jobs. If you spend all day sitting at a desk or standing on your feet, try to find a greater balance between the two. Joints can grow stiff from sitting all day, while standing throughout your work day can stress the joints. Take a short break every 30 minutes to stand up and walk around if you spend most of your day at a desk.

If you stand a lot at your job, stop to sit down for a few minutes once every half hour.

Joint pain and aging do not have to go hand in hand.

More information about joint paint is available at www. arthritis.org.

METRO SERVICE

55 & BETTER

Wednesday, July 6 & Thursday, July 7, 2016

Did you know?

Men and women over 50 who are considering returning to school may be eligible for financial assistance through various programs. According to the American Association of Retired Persons, older men and women who want to go back to school do not necessarily have to bankroll that expenditure on their own. AARP notes that the Internal Revenue Service offers tax breaks such as the American Opportunity Tax Credit and the Lifetime Learning Tax Credit that older students can take advantage of to lessen the blow of tuition costs, which have risen considerably since today’s men and women over 50 were in college.

Older men and women may also be able to take advantage of 529 college savings accounts they opened for their children

that their kids did not end up needing.

AARP also notes that men and women over 50 who want to apply for financial aid must be prepared to enroll in more than one class and in more than just a continuing education program.

METRO SERVICE

Le Sueur Community Center Exercise Anytime - 24/7 Access Available!

Don’t let pain keep you out of the game!

Regular exercise can help you: - Reduce your risk of cardiovascular disease - Strengthen your bones and muscles - Improve your balance to help prevent falls - Improve mental health and enhance mood The Le Sueur Community Center is excited to offer the SilverSneakers Fitness Program, the nation’s leading exercise program designed exclusively for older adults. Your Medicare health plan may include SilverSneakers as part of your benefit package. Find out how you can take advantage of all that SilverSneakers has to offer!

Our Aquatic Program will help you: - Reduce pain - Decrease feelings of isolation through social interaction - Gain strength and flexibility improve your day-to-day life

Work out in the Water Numerous Health Reimbursement Programs Accepted Call for Activity Information and Hours CALL 507-665-3325 | 821 E. Ferry St. | Le Sueur, MN

www.cityoflesueur.com | www.facebook.com/lesueurcommunitycenter

Get Ready For

Summer!

PAGE 11

55 & Better

PAGE 12

Wednesday, July 6 & Thursday, July 7, 2016

Join the NCB Saints Club and Discover Branson, Missouri!

Branson for the Holidays Tour!

Join the Saints Club for a great trip to Branson for the holiday season! This tour has several show options: Daniel O’Donnell, the Haygoods, Mel Tillis, the Osmonds & Lennons perform the Andy Williams Christmas Spectacular, Pierce Arrow, Moses, the Hughes Brothers, the Texas Tenors and more!

You choose five shows from eleven options! Also included in this tour is Shoji Tabuchi’s show or the Titanic Museum…or shopping! Call us at 931-3310 for more information on this fun Branson Holiday Spectacular!

For more info please contact us at Nicollet County Bank at 507-931-3310!

Nicollet County Bank Saints Club Events: July 14th—St. Paul City Tour with James J. Hill House & Luncheon Aug. 17th—Old Log Theater, “Million Dollar Quartet!”

Sept. 1st—Minnesota State Fair Daytrip Sept. 14th—Daytrippers Dinner Theater, “Miracle on South Division Street” Sept. 15th—Senior EXPO @Community Center Sept. 22nd—Tour of the new Vikings Stadium & Hell’s Kitchen Luncheon Oct. 2nd—Cape Cod & The Islands Tour (thru’ the 8th) Oct. TBD—Fall Boat Cruise Daytrip

www.nicolletcountybank.com 220 South Third Street • Telephone 931-3310 • St. Peter

Nov. 14th—Branson for the Holidays (thru’ the 18th) Nov. 16th—Chanhassen Dinner Theaters, “Camelot”