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The Times - Retirement Communities

Epworth Village offers maintenance-free living Epworth Village in South Ottawa is a unique retirement community offering all the comforts of retirement with maintenance-free living for people over the age of 55. Epworth Village residents enjoy all the amenities and stability of owning a home, but without the responsibility and upkeep that comes along with it in today’s busy world. With these responsibilities lifted, residents have all their free time to enjoy life while being surrounded in a warm, safe and caring community. Epworth Village is a 501(c) (3) organization, which was incorporated in 1999. Since the first duplexes were built in 2001, the village has grown to 24 structures with 47 units. Although all of the units are presently taken, we are accepting applications for a waiting list. Our residents are energetic, friendly and independent people who enjoy living in close proximity to gas stations, supermarkets and a pharmacy here in South Ottawa. The village housing includes both two-bedroom and three-bedroom units with single and double garages. Included in your low monthly maintenance fee is snow removal, lawn care, city sewer and water, trash removal, maintenance on all appliances, annual inspection of fire extinguishers, smoke detectors, and carbon monox-

Epworth Village residents gather for a recent potluck. ide detectors, furnace and air conditioner inspection, real estate taxes, property insurance, cleaning of exterior siding, light bulb replacement, and a 24-hour maintenance number. Residents enjoy a host of extracurricular activities including monthly potlucks and book clubs, Bible studies, weekly coffee hours, and gazebo gatherings. Or for those who prefer a more laid back setting, each unit has a front porch and

Contributed

Epworth Village Address: 657 Epworth Place, Ottawa Hours: By appointment Phone: 815-313-9089 Web: epworthplace.com or search Epworth Village Inc. on Facebook rear deck to sit back and relax (or enjoy barbecue-style cooking). Come, live a relaxing life-

style while remaining active and free to come and go as you please from season to season.

The Times | file

LEFT: Discussion of the monthly book selection during an Epworth Village Book Club meeting always is a lively conversation full of fun and fellowship. RIGHT: The Epworth Village Saturday Coffee Club gets together at Epworth United Methodist Church.

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Best friends are welcome at Evergreen Place senior living The fear of having to give up a beloved pet is among the top emotional reasons seniors resist moving into a senior living community. Did you know that Evergreen Place Supportive Living is a pet-friendly community? Dog or cat, bird or fish; all are welcome here, without any additional fees. Owning and caring for a pet can help reduce stress, lower blood pressure, increase social interaction, and increase physical activity. A pet can also reduce depression and loneliness. At Evergreen Place, we recognize that pets are members of our families. Leaving home can be very stressful, and the thought of leaving a pet behind can be devastating. We encourage our new residents to bring their pets with them, as it can bring familiarity to a new environment. This can ease the transition from home to our community. Since our focus is on the overall well-being of

about making the transition to senior living arrangements. One of our many residents that have taken advantage of our pet policy is Bob. He and his dog Buddy have been residents at Evergreen Place for a little over four years now. Not only is Buddy loved by Bob, but his neighbors cherish him also. Not a day goes by that buddy doesn’t receive a treat or some extra attention from a staff member or a fellow resident. Moving into a senior living community is a big change, but one that should be positive and happy for you. Bringing your best friend along is a great way Contributed to carry something loved and familiar with you into your Tenants of Evergreen Place Supportive Living in Streator often enjoy a myriad of recreational opportunities on a daily basis. Planned new living arrangements. Would you like to learn trips, shopping, educational presentations, fitness programs and more about our pet policy at musical entertainment are just a few things our seniors can choose Evergreen Place? Call Kaitlan from. Shown is a group photo with One Man Band musical perform- VanHamme to schedule a tour. er Tommy Edwards. Kaitlan can be reached at 815672-0903 or visit our website beneficial to seniors, especially at www.EvergreenSLC.com/ all our residents, we recognize that having a pet can be hugely those who might be worrying Streator.

Are we building your new retirement home? Epworth Village, Inc. is a Residential Complex for Senior Citizens, age 55 and older, consisting of 21 two and three bedroom duplexes with attached garages on Mason Street and Epworth Place in Ottawa. • Senior Friendly accessible and spaceefficient floor plan • 36 inch exterior-interior doors • Easy entry showers with seats

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Two bedroom with single car garage Three bedroom with double car garage All kitchen and laundry appliances furnished. Each unit has own furnace and central air

657 Epworth Place • Ottawa 815-313-9089 www.EpworthPlace.com

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The Times - Retirement Communities

Contributed

At Heritage Health in Streator, a sense of family is an important component to our care and an individual’s well-being. Pictured are Heritage Resident Catherine Smith and just some of her family: (from left) Marjey Smith, Catherine Smith, Mary Reel, Dave Smith, and Janet Dodge playing a fun game of Euchre. The Smith family visits every day to play their matriarch’s favorite card game.

Our Heritage family here to serve your family We realize that choosing a skilled nursing center for yourself or your family member is one of the most difficult decisions you will ever have to make. Most facilities look about the same and seem to offer similar services. What makes Streator’s Heritage Health: Therapy & Senior Care the best choice for you? Because our Heritage family is dedicated to serving your family; we care for your loved ones as if they are our own. We are proud of our continued Heritage of Care

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Our goal is to promote a healthy senior lifestyle, no matter what level of care is needed. commitment in Streator and surrounding areas. We offer 24-hour care ranging from skilled nursing, short-stay therapy and rehabilitation to quality long-term custodial

care. Our goal is to promote a healthy senior lifestyle, no matter what level of care is needed. We are your leading health and senior care provider in La Salle County. Heritage Health, a 5-Star Quality Measures CMSrated skilled nursing center, consists of 110 Medicare/ Medicaid dual-certified beds in addition to our premiere Restore to Home 20 Medicare-only short stay rehabilitation beds. We focus on patient-centered care, clinical innovations, and improving all aspects of daily living. Patients

and residents here receive a full, comprehensive strategy to health and well-being via an interdisciplinary approach. We invite you to stop by or give us a call to schedule a private care consultation; we can share with you the meticulous coordination of our various service lines to meet all your needs.We emphasize the importance of getting the appropriate care at the appropriate time. Contact Amy Spears at 815-672-4516 to learn more or visit our website at www.HeritageOfCare.com/Streator.

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Learn to downsize before a move Metro Creative Services

Aging men and women often take inventory of their lives in an effort to focus on activities or lifestyle changes that can ensure happy retirements. Data from the U.S. Census Bureau shows there are some 76 million baby boomers — those people born between 1946 to 1964 — across the country. With the youngest of the boomers in their mid-50s and the majority having already reached retirement age, many boomers are trying to decide if it’s time to move out of their family homes and into smaller, more manageable abodes. Many older adults find they do not need the same amount of space as they did when they had children living at home.

Retirees and those on the cusp of retirement may find that downsizing is a smart financial move that frees up more time for recreation. However, it can be challenging to cut down on living space and then deal with figuring out how to make furniture, belongings and stored items fit in more condensed areas. Moving can be stressful even without having to cut down on prized items. Taking an inventory of belongings can help the process go smoothly. Before moving, men and women can go room by room, making piles of items that will be kept, donated, sold, or discarded. This can be a tedious task, but it is necessary to avoid clutter in a new home. People downsizing can attempt to sell items they do not

need via newspaper classified sections or online classified sites. Appliances and furniture in excellent shape may fetch good prices. Any extra cash can be put toward buying new items that are size-appropriate for the smaller home. Another way to clear out clutter is to sort duplicates from the stock of items. A person may no longer need multiple sets of dishes or silverware. If the move involves switching from a king-sized to a queen-sized bed, donate or trash bed linens that will no longer fit. Pay close attention to kitchen and bathroom items, which tend to accumulate over time but might not be discarded when clearing a home of clutter.

See downsizing, page 7

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The Times - Retirement Communities

Evergreen Place: A thriving community Evergreen Place Supportive Living in Streator is a living community for seniors who want to maintain their independence while also receiving some assistance with daily activities.

Contributed

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How to save more for retirement after age 50 Metro Creative Services Whether it’s advice from their parents, a response to television ads urging viewers to save for retirement, or their own financial savvy, many of today’s young professionals recognize the importance of saving for retirement from the moment they receive their first paychecks. But men and women over 50 may not have been so practical, and many such professionals may feel a need to save more as their retirements draw ever closer. Saving for retirement might seem like a no-brainer, but the National Institute on Retirement Security notes that, in 2017, almost 40 million households in the United States had no retirement savings at all. In addition, the Employee Benefit Research Institute found that Americans have a retirement savings deficit of $4.3 trillion, meaning they have $4.3 trillion less in retirement savings than they should. Men and women over 50 who have retirement savings deficits may need to go beyond depositing more money in their retirement accounts in order to live comfortably and pay their bills in retirement. The following are a few simple ways to start saving more for retirement. u Redirect nonessential expenses into savings. Some retirement accounts, such as IRAs, are governed by deposit limits. But others, such as 401(k) retirement plans, have no such limits. Men and women can examine their spending habits in an effort to find areas where they can cut back on nonessential expenses, such as cable television subscriptions and dining out. Any money saved each month can then be redirected into savings and/or retirement accounts. u Reconsider your retirement date. Deciding to work past the age of 65 is another way men and women over 50 can save more for retirement. Many professionals now continue working past the age of 65 for a variety of reasons. Some may suspect

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Even adults over the age of 50 sometimes feel a need to save more as their retirement dates draw closer, and there are many ways to do just that.

Downsizing From page 5 People moving from a detached home to a condominium or a townhouse may learn that homeowner’s association fees cover everything from snow removal to lawn maintenance to pool upkeep. If so, it’s unnecessary to bring lawn and garden supplies. Homeowners are advised to look at the floor plan of their new dwellings and pay attention to storage space. This can make it easier to plan ahead for what may fit, what will need to be purchased new and which storage solutions may be needed. Having a plan in place can make unpacking and settling in go smoothly. The organizing company Organize Me says that homeowners should consider how cabinets and closets will be used before moving in.

they’ll grow bored in retirement, while others may keep working out of financial need. Others may simply love their jobs and want to keep going until their passion runs out. Regardless of the reason, working past the age of 65 allows men and women to keep earning and saving for retirement, while also delaying the first withdrawal from their retirement savings accounts. u Reconsider your current and future living situation. Housing costs are many people’s most considerable expense, and that won’t necessarily change in retirement. Even men and women who have paid off their mortgages may benefit by moving to a region with lower taxes or staying in the same area but downsizing to a smaller home where their taxes and utility bills will be lower. Adults who decide to move to more affordable areas or into smaller, less expensive homes can then redirect the money they are saving into interest-bearing retirement or savings accounts.

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Aging men and women can employ various strategies to simplify their lives and maintain their independence well into their golden years.

How seniors can simplify everyday tasks Metro Creative Services The ability to perform everyday tasks is something many people take for granted. But as men and women approach or exceed retirement age, many may start to struggle with chores and tasks they have performed for decades. Physical limitations are a common side effect of aging. But such limitations do not have to prove too big a hurdle for seniors to clear. In fact, there are many ways for seniors to simplify everyday tasks while maintaining their independence. u Embrace technology. Even the proudest Luddites cannot deny technology’s potential to make seniors’ lives easier. Seemingly simple tasks like shopping for groceries and vacuuming a home can be difficult for seniors with dwindling or limited mobility. But seniors with Internet ac-

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cess in their homes can order their groceries online and then pick them up in-store or have them delivered, saving them the trouble of walking around the store. With regard to vacuuming, autonomous vacuum cleaners have removed the need to use traditional vacuum cleaners. Certain autonomous vacuums employ sensors to detect dirty spots on the floor, and these vacuums can even be programmed to clean the home while residents are out of the house. u Upgrade bathrooms. Tasks associated with personal hygiene also tend to be taken for granted until they become difficult. But a few simple bathroom alterations can help seniors safely navigate the bathrooms in their homes so they can maintain their personal hygiene without fear of injury. Grab bars can be installed on shower walls so seniors can safely get in

and out of their showers and bathtubs. Such bars are both effective and inexpensive, and some do not even require any drilling to install. Specialty grab bars, tub grips and tub transfer benches are just a few additional products that can make bathing easier for seniors who have lost or are starting to lose some of their physical strength. u Get “smart” on the road. Seniors who are experiencing mild difficulty driving can make getting about town that much easier by plugging their smartphones into their vehicles or making use of the various apps that have become standard in modern vehicles. For example, the maps app on a smartphone can be connected to a car and direct seniors to their destinations, saving them the trouble of remembering all the ins and outs of how to get a particular destination. Seniors also can employ apps

to help them find their vehicles should they forget exactly where they parked in crowded parking lots. Such apps can increase seniors’ comfort levels on the road while helping them maintain their independence. u Downsize. Whether downsizing to a smaller home or simply downsizing a lifestyle, seniors may find that living smaller is akin to living simpler. Empty nesters may find they no longer need several bedrooms in their homes, and moving into smaller homes can reduce their daily workloads while also clearing out clutter that can make performing everyday chores more difficult. Men and women accustomed to hustle and bustle may also find that cutting back on professional and/or personal commitments gives them more energy for everyday activities while enriching the commitments they continue to maintain.

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How to finance long-term care needs Metro Creative Services Failing to plan for long-term care expenses may leave aging men and women with little or no assets late in life. AARP says that the cost of long-term care continues to rise and the array of options can make it difficult for families to find the best, most affordable care. The median monthly costs for a semi-private room in a U.S. nursing facility hovered around $6,800 in 2016, according to The Genworth Cost of Care Survey. That adds up to roughly $82,000 per year. Individuals who only anticipate hiring a home health aide should know that such options cost an average $3,800 per month. Retirement savings can quickly dry up when longterm care is required. Individuals need to keep in

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mind that, in 2014, the Social Security Administration said the average month retirement income from Social Security was just $1,294. The National Care Planning Council says that at least 60 percent of all individuals will need extended help during their lifetimes. Ongoing care can last for many months or years. Longterm care needs, including assisted living and nursing home stays beyond a few months, may not be covered by federal health insurance programs, such as Medicare. As a result, it is up to individuals to find ways to finance their care.

Long-term care insurance Long-term care insurance is one of the ways to offset costs of care for later in life. But many people are unaware that this type of insurance exists.

A survey conducted by Leger Marketing for the Canadian Life and Health Insurance Association found that 74 percent of respondents said they haven’t included provisions for long-term care in their retirement plans. Long-term care insurance is a safety precaution that can be purchased early in life to plan to help pay for expenses aging men and women may incur in their golden years. New York Life Insurance says that policy holders will be reimbursed for qualified long-term care costs up to a maximum daily benefit amount. Coverage varies, but policy premiums generally increase with the age of applicant.

vary and it is usually limited to those with financial hardships. Medicaid pays for the largest share of long-term care services in the United States, according to the Administration on Aging. But to qualify, one’s income must be below a certain level and the person must meet minimum state eligibility requirements. Canadian provinces will assess one’s ability to pay and may subsidize care costs. Also, there may only be a handful facilities supported by the government, so applicants cannot be picky about accommodations.

Government aid

BELOW: Financing long-term care is something individuals must consider as they make their plans for the future.

Government aid is available for U.S. and Canadian residents but qualifications

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RIGHT: Financial freedom in retirement is a goal for many working professionals. Attaining such freedom involves planning and saving for all potential expenses in retirement. ment. Aging men and women who can no longer comfortably navigate staircases but are otherwise healthy may need to renovate their homes to account for their limited mobility. Such renovations might include the installation of a staircase chair lift and/ or a ramp connected to the entryway of a home. Some may even need to convert a first-floor den or living area into a bedroom, which may also require adding a full bathroom.

Maintenance

Potential long-term expenses to account for in retirement Metro Creative Services Retirement planning involves more than just investing in a 401(k) and/or IRA. Individuals who hope to live comfortably in retirement must account for various expenses, including those associated with their health. A 2013 report from the U.S. Senate’s Commission on Long-Term Care found that each year an estimated 12 million adults in the United States require some type of long-term care. Planning for the following potential expenses can help men and women ensure they will have

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enough money to live well in retirement.

Housing Many individuals would prefer to spend their golden years living in their own homes. However, adults who can no longer take care of themselves and/or their homes may need to move. Homeowners who simply want to downsize may be able to finance their transitions to retirement communities by selling their existing homes. But those who need to move into assisted living facilities may find that even selling their homes might not

provide enough capital to pay for such residences. According Genworth’s 2016 Cost of Care Survey, the annual cost of assisted living facilities greatly varies by state, with costs as high as $65,550 in Massachusetts and as low as $30,438 in Missouri. Whether they invest in long-term care insurance or develop another plan with their financial advisors, men and women must consider ways to finance potential housing costs in retirement.

Renovations Home renovations are another potential cost in retire-

Homeowners who want to stay in their homes in retirement must also factor potential maintenance costs into their retirement plans. Aging men and women may no longer be capable of maintaining their properties in retirement. Consider the potential costs of landscaping, home maintenance and maid services when making a retirement plan.

Transportation Diminishing vision and slower reaction times compel many retirees to give up driving. But retirees who still enjoy getting out and about will still need a way to get around. Moving to a retirement community with daily shuttle service to and from town centers is one way for seniors who no longer drive to get around. But men and women who do not want to move to such communities will need to find alternative means of transportation, the costs of which can add up quickly.

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Make vacations and travel a key component of retirement Metro Creative Services

When the time comes to bid farewell to conference calls, meetings and daily commutes, retirees have open schedules to fill with whichever activities they choose. Travel is one exciting way to pass the time. Traveling can be a rewarding prospect for active seniors, particularly those who successfully preplanned for retirement and have the income to fund various excursions. Many seniors, both in the United States and Canada, find that travel tops their to-do lists once they retire. According to Senior Travel magazine, new travel options are emerging for newly minted retirees looking for something a little different from the status quo. The list of destinations retirees have at their disposal is limitless. The following ideas are some of the more popular ways retirees choose to travel. u Road trips rule. Taking to the highways and byways

is an excellent way to see the country. Seniors can customize their routes depending on which places they want to visit. RV travel can be as comfortable or as rustic as travelers prefer. Many seniors spend months traveling in their campers, which offer many of the same amenities of home. Campsites and special RV hook-up sites offer the other necessities of traveling the open road. u Genealogical tourism is popular. People hoping to trace their ancestry and visit their ancestral homelands are one of the fastest-growing travel segments. Visiting an old church in Europe where ancestors were married or buying food from a market in which a great aunt or uncle once worked leads retirees on many international adventures. Such trips provide travelers with a unique opportunity to understand their roots up close and personal while enjoying some international travel along the way.

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Now that they have more free time, retirees can gear up for travel adventures to remember. u Exotic tours can be exciting destinations. History buffs or adventure-seeking couples may be particularly attracted to exotic travel destinations that are slightly off of the beaten path. Travel tours may take vacationers to

Seaside vacations can be a great way to unwind and relax during your retirement.

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destinations such as excavation sites or backpacking through the rainforest. With passport in hand, seniors can go just about anywhere their desires take them. u Enjoy a relaxing seaside trip. A seaside vacation can be the perfect trip for seniors who want to put their feet up and sip some cocktails while watching the waves lap the shores. Many beach resorts offer all-inclusive packages for different age groups. Meals, excursions and hotel rooms can be bundled into one affordable, confusion-free price. u Go cruising. Speaking of all-inclusive vacationing, cruising seems tailor-made for those ages 50 and older because it offers the convenience of accommodations, food, entertainment, and transportation all in one. The various activities offered on the ship mean travelers can find ways to spend their time how they see fit. Cruising couples can opt to spend all of their time on the ship enjoying carefully prepared meals and entertainment or disemMetro Creative Graphics bark and explore the various ports of call along the way.

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3 money-saving travel tips for retirees Though a transient lifestyle is something few people aspire to during much of their lives, come retirement, the idea of staying in a place for only a short time has more appeal. According to a 2014 study from the Transamerica Center for Retirement Studies, 36 percent of baby boomers want to spend their retirements traveling. Many are succeeding in doing just that, as a study from the luxury travel network Virtuoso found that today’s seniors spent an average of just over $11,000 per year on travel. That was more than any other generation, highlighting just how much older adults like to get out and explore the world. Retirees who fear they cannot afford to travel can explore the various ways for seniors to cut costs and still satisfy their wanderlust during retirement.

1. Take advantage of age-related discounts. Some adults prefer to hide their ages, but when it comes time to travel during retirement, honesty is the best policy. Many businesses that cater to travelers offer discounts to seniors. Car rental agencies, hotels, travel agencies, and cruise lines may offer direct discounts to customers 65 and older, while membership in organizations such as AAA and AARP may make seniors eligible for additional discounts. Discounts on lodging and airfare might net the biggest savings, but even discounts on various smaller expenses can add up to big savings.

2. Don’t overlook travel agencies. While many prospective

travelers’ first instincts are now to visit various travel websites in an effort to find the most affordable trips, it’s important that travelers not overlook travel agencies when planning trips. Travel websites, though a valuable resource, only list the hotels and airlines that agree to be included on their sites. While many participate, some do not, and those that do not may instead work independent of travel websites or partner with travel agencies. Travel agencies have access to the latest information, and many specialize in certain countries, knowing all the attractions visitors to their countries want to see. Travel agencies may offer packages that include admissions to popular attractions, which can be more affordable than planning a trip a la carte.

3. Travel as part of a group. Group travel may not appeal to everyone, but it should appeal to older, budget-conscious travelers. Retirees who are uncomfortable driving at home will likely be even less comfortable driving in foreign countries where the rules of the road are not the same. Traveling in groups, whether it’s with a retirement community, religious organization or another program, can save travelers substantial amounts of money. Many hotels and tourist attractions offer steep discounts for group tours, which can even be arranged through travel agencies. A hidden benefit of signing up for a group tour is the chance to meet new people and develop new relationships with fellow globetrotters.

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Many working professionals hope to spend the bulk of their retirement traveling the globe. While such a goal is potentially costly, there are various ways to save and still see the world.

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