Benefits of aging Fun with the grandkids Healthy living tips Celebrating lives & Healing Hearts Celebrating lives & Healing Hearts
Debbie J. Thompson Debbie J. Thompson Owner/Funeral Director/CPC Owner/Funeral Director/CPC
AdvAnce PlAnning is A decision only you cAn MAke! AdvAnce PlAnning is A decision only you cAn MAke! Pre-Planning and/or Pre-Funding Can reduCe a lot Pre-Planning and/or Pre-Funding Can reduCe a lot stress and anxiety For your Family. stressyou and anxiety For your and Family . today. We encourage to begin the conversation call us
oF oF
We encourage you to begin the conversation and call us today.
Pre-Planning Pre-P lanning funeral allows you to plan ahead by making personal choices in A Pre-Planned A Pre-Planned funeral allows you to ahead by choices writing, knowing that your wishes willplan be carried outmaking as you personal choose. We offerina writing, that your wishes willyour be carried as youneeds choose. offer a variety ofknowing Pre-Planned options to suit family,out religious andWe budget. variety of Pre-Planned options to suit your family, religious needs and budget. Pre-Funding Pre-F unding offers you the peace of mind of knowing your wishes will be Pre-Funding
Pre-Funding offers youyour the funeral peace ofinmind of knowing your be met. By purchasing advance you fund thewishes cost ofwill your met. purchasing your funeral in advance fundforthe cost of your funeralBy based on today’s prices. It provides a realyou benefit your loved ones funeral based on today’s prices. It provides a real benefit for your loved ones while offering sound financial planning. while offering sound financial planning. All records are maintained at the funeral home until needed. are the maintained at the and funeral until needed. Let Debbie andAll her records staff explain various programs answerhome any questions at your home or her’s. Let Debbie and her staff explain the various programs and answer any questions at your home or her’s.
LIVING SENIOR • WINTER/SPRING 2018
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Growing older may involve gray hair or wrinkling skin, but many positive things are associated with aging.
Higher self-esteem
The insecurities of youth give way as one ages, and older people have less negativity and higher self-esteem. A University of Basel study of people ranging in ages from 18 to 89 found that regardless of demographic and social status, the older one gets the higher self-esteem climbs. Qualities like self-control and altruism can contribute to happiness.
Financial perks
Seniors are entitled to discounts on meals, museum entry fees, movies and other entertainment if they’re willing to disclose their ages. Discounts are available through an array of venues if one speaks up. Seniors also can enjoy travel perks, with slashed prices on resorts, plane tickets and more. The U.S. National Park Service
offers citizens age 62 and older lifetime passes to more than 2,000 federal recreation sites for just $10 in person ($20 online or via mail).
Reasoning and problem-solving skills
Brain scans reveal that older adults are more likely to use both hemispheres of their brans simultaneously – something called bilateralization. This can sharpen reasoning skills.
Less stress
As people grow older, they are able to differentiate their needs from wants and focus on more important goals. This can alleviate worry over things that are beyond one’s control. Seniors may realize how little the opinions of others truly mean in the larger picture, thereby feeling less stress about what others think of them.
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LIVING SENIOR • WINTER/SPRING 2018
any people are quick to think of growing older in a negative light. Although there certainly are some side effects of aging that one may wish to avoid, people may find that the benefits of growing older outweigh the negatives. Seniors are a rapidly growing segment of the population. In the United States, the Administration on Aging states that the older population – persons 65 years or older – numbered 46.2 million in 2014 (the latest year for which data is available). Statistics Canada reports that, in July 2015, estimates indicated that there were more persons aged 65 years and older in Canada than children aged 0 to 14 years for the first time in the country’s history. Nearly one in six Canadians (16.1 percent) was at least 65 years old. Here are some great benefits to growing old.
Living Senior
growing older
STOCK PHOTO
Some of the benefits of
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Blending generations
The health benefits of grandparent-grandchild relationships In the not-so-distant past, extended families were the norm, with multiple generations residing on the same street if not in the same house. Today the family unit is largely an amalgam of different situations. The rise of two-income families has pressured parents into finding child care situations. Quite often grandparents once again step in to offer guidance and support for youngsters. Although a bevy of psychological research focuses on parent-child relationships, new evidence points to the benefits of the grandchild-grandparent relationship as well. Close relationships between these different demographics is often a sign of strong familial ties. A study from researchers at Boston College discovered that emotionally close ties between grandparents and adult grandchildren reduced depressive symptoms in both groups. Research at the University of Oxford among English children between the ages 11 and 16 found that close grandparentgrandchild relationships were associated with benefits including fewer emotional and behavioral problems and fewer difficulties
STOCK PHOTO Living Senior
Grandchildren can help grandparents feel younger, and grandchildren can learn new experiences from their grandparents.
with peers. Grandparents can provide a connection and exposure to different ideas while providing a link to family history and knowledge regarding traditions and customs
not readily available elsewhere. Nurturing grandparent-grandchild experiences may be easy for families where grandparents live in the same house or close by. For others, it may take some effort. The following are some ways to facilitate time spent together. • Schedule regular family reunions or get-togethers. Host or plan multigeneration events that bring the family together. • Promote one-on-one time. Have grandchildren spend time with grandparents in intimate settings. Alone time can be good for both and offers each undivided attention. • Video chat when possible. If distance makes frequent visits challenging, use technology to bridge that gap. Send photos, letters and electronic communications. Tech-savvy grandparents can use Skype or Facetime to stay in touch and speak one-onone with their grandchildren. • Share skills with each other. Grandparents may have certain skills, such as baking, sewing or wood crafts, they can impart. Children can help grandparents navigate computers, video games or sports (METRO CREATIVE) activities.
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LIVING SENIOR • WINTER/SPRING 2018
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Sexual health as one ages
Aging brings about many changes in a person’s body. Some of these changes, such as hair becoming gray and/or white, are widely known, while others may come as a surprise to people who have only begun to experience them. It is normal for sexual desire and other issues affecting intimacy to change as a person ages. However, that doesn’t mean that seniors’ sex lives need to cease or change dramatically. Remaining open to ideas and continuing to communicate with one’s partner can keep couples’ relationships going strong well into their golden years. The National Institute on Aging offers that certain normal physical changes can impact intimacy. These bodily changes may be hormonal. Women who have gone through menopause may discover physical changes to their vaginas, including a
shortening and narrowing of this part of the body. Stiffness and less lubrication also may occur in this area, impacting their comfort and enjoyment. As men get older, their ability to have and keep an erection may diminish. Sexual issues are sometimes a byproduct of illness or certain prescription medications. Chronic pain, arthritis, surgery and even incontinence also can impede intimacy. These are largely treatable conditions, but patients must be willing to first open a dialogue with their physicians.
Communication
Couples are urged to talk about their intimacy goals. One person may not be fully aware of a partner’s desires. Other issues can be addressed as well. Discuss any discomfort or sexual problems that can affect the relationship. Couples can bring situations to light so they can manage their issues together. This can bring about a mutually acceptable solution that benefits both partners and prevents one from suffering in silence.
Overall health
Paying attention to overall health can positively impact sexual intimacy. Exercising regularly, eating a healthy diet, drinking plenty of fluids, avoiding tobacco and excessive alcohol consumption and managing stress can help in your daily life and in the bedroom.
Speak with a doctor if a particular medication is impacting your health in a negative way. There may be another, less invasive option you and your physician can explore.
Think creatively
Intimacy is more than just intercourse. Intimacy may include touching, closeness, fantasies, role playing and much more. The Mayo Clinic says people can help their partners understand what they want from them. Discuss something that seems exciting and find a way to include it in your sex life if both partners are willing.
Play it safe
Seniors who are single can broaden their horizons and resolve to get out and meet new people. However, when the time comes to engage in sexual activity, seniors should be smart about it, regardless of their age. People age 55 years or older account for one-quarter of all Americans living with HIV, reports the Centers for Disease Control and Prevention. In 2013, people age 50 and over constituted more than 27 percent of new AIDS diagnoses. Older adults are also at risk of other sexually transmitted infections. Condoms may seem like something for younger people to worry about, but they’re a necessity for older adults as well. (METRO CREATIVE)
LIVING SENIOR • WINTER/SPRING 2018
Communication is the key for maintaining a physical relationship
STOCK PHOTO Living Senior
Sexual health is something seniors think about as the years pass. Remaining healthy, engaged and communicative with a spouse or partner can ensure couples enjoy sexual intimacy for as long as possible.
5
AM I CRAZY?
Attention: Local Area Home Owners to get Opportunity of the Year…
Frustrated Contractor I’m Offering My $ is “Giving Away” 2,673 $ 189 Furnaces FURNACE-SUPER-TUNE-UP $ for 941 with $ Air… Off-Season Central for
ONLY 89
(This is the ”Hottest AND Coolest Deal of the Year” …Your especially if ...AND I Guarantee System your furnace is over 10 years old)
probably very inefficient) furnace and air conditioner OR (and SERVICE ISthanFREE! asMY a package for at least $1,732 less you would have
KEITH NISSEN
King of Comfort to pay at any other time. Let me explain. Every year, the months of January, February, March and April can “Kill” my business. I end up losing a I make youthea remaining spectacular you I must ton be of crazy! temperature moneyWhen duringthe these “Killer” monthsRight! and it can take me eightoffer months refuse andtowin you this as ayear. new client for drops, I can get pretty So, why am I forcan’t to make up for busy. them. And I’m looking the same thing happen offering such a drastic discount My onProblem my life. Is Your Opportunity my offer. I’ve decided givesimple. up tryingI to make aBack profittoduring the “killer” months. If I can only Super-Tune-Ups? It’stovery want minimize my losses during January, February, and April Iincludes will comea out ahead My March Super-Tune-Up painstakyou as a client for life! So, I call this my in the other eight months. Here’s how this (admittedly daring) offer cameof about. ing and thorough examination moreEvery than INVESTMENT IN YOU! year, the big manufacturers of air conditioners have to guess how many to build to meet I know that I run the tightest service 44 potential problem areas in your furnace. the demand. Of course, they’re never exactly right. So, they always have some inventory inspect, adjust, and with your company they in the business. I belong tosummer a I will must hold over until the next season. I went to one*clean of my distributors and permission clearAnd, andbecause repair anything I find National Organization they allocated of 44 highly premiermotivated air conditioners and furnaces. of the quantity When I have and if anyand technically competent heating and time of year, I was able toand buy air them atwrong. drastically reduced, dirt finished cheap, out-of-season prices. They are brand models.thing Andwas theyrepaired, are NOT the seconds or you “blems” I will present withora conditioning contractors. We new are 2014 professtandard “builder” models. are factory-fresh, premier airthat conditioners and furnaces written guarantee your system is FIXED sionally and continually trained in They the skills havesystem a full factory warranty. and RIGHT OR IT’S FREE™! And if I have to of service,and repair, replacement Here’s How You Can come Get A Furnace For Peanuts back during this season because All-Star Team Building manageBy putting this business furnace and air conditioner package together (then “Jaw-Boning” the system is not working, my service ment and distributor) marketingand systems. committing to a do-or-dieyour purchase agreement of these systems, I wasis I am serious my the profession; proud able toabout buy both furnace and the airFREE! conditioner for less than anyone should have is a new, $189premier value for only $89 andI of my entire staff;to and a right pay!completely So, if you dedicatbuy one of theseThis normal air conditioners, amand “giving” theoffurnace and all I askit’s for is the $941toit costs to have your furnace limited first-come, first-served ed to each everyyou one my clients… installed. callers. Don’t miss this opportunity to new and old. Here’s How Now, how am I going to prove all this to meet the Best In The Business! Just call me at 262-248-2103 anytime. We will come out and measure your home (and * Coil cleaning is an additional charge. you if I can’t get your determine theattention? availability of the proper size). Don’t forget, I only have a limited amount of matched systems. When they are gone, this remarkable offer ends also. I will show you the real world price on the air conditioner that fits your home. Then, I will show you the substantial savings now. And it will include all labor and installation materials. Nothing is left out. www.masterserviceslg.com The Concept Is Simple Really By letting you win big now, I will win at the end of the year. I’m betting that if I make you “We’re Good Guys Your an offer that is “irresistible” (at least it should be if yourThe furnace or air conditioner is over 10 years old) and I barely mark it up aboveFriends the price I paid, I willYou accomplish two things: Told About”™ 1. I will cover my rent, utilities, insurance and taxes©2000 in theAirTime “killer” months. 500 All Rights Reserved 2. I can pay my professional staff and technicians to work instead of paying them to sit at home. If I can accomplish these two objectives, I will minimize my losses and the rest of the year, I can be a winner. No Obligation Even after I completely explain the installation, there is absolutely no obligation. If you decide you don’t want to take advantage of the spectacular savings… that’s okay. I will give you a surprise gift worth $60 because you are kind enough to read this ad and give me a chance to solve my problem. I want you to think well of Master Services Plumbing, Heating & Cooling, even if you don’t buy. You Can Buy With NO Cash You don’t even have to pay me right away. I have set up a bank rate financing plan. I even decided not to mark up the interest rate like some companies do. Consider this. If you decide to make monthly investments instead of paying cash the entire amount of your payments might be more than offset by the savings on your utility bills. It’s like “having your cake and eating it too”. Ironclad Guarantee I’m so confident that you will save at least 25% on your cooling and heating bills (I’m projecting more like 35% +), that I will pay you Double The Difference for two years if you don’t! I’ll show you exactly how this works. There is no way you can lose. Your lower utility bills will help you save big. And I will even double your savings if you save less than 25%. If these premier systems were not among the best on the market, I couldn’t afford to make such a promise. Why This Offer Can’t Last You must act before April 15th. Here are two reasons why. 1. I only have a limited amount of pieces of equipment. When all of the air conditioners are sold and all the furnaces are “given” away, that’s it. There are no more at this price. 2. If I have any of these systems that are left on April 15th (although I doubt I will), this offer still ends. Here’s why. The only reason I am making this virtually no-profit (for me) offer is because of the “killer months”. My business always picks up about May first. Since these furnaces cost me so little, I can sell them at 2014 prices next November and December and still come out ahead. Give me a call now at 248-2103 and I will set an appointment for your no-obligation survey.
LIVING SENIOR • WINTER/SPRING 2018
262-248-2103
6
Lake Geneva WI
262-248-2103
328 Kenosha St., Walworth, WI 269926
Won’t Break Down Winter Yes, it’s absolutely true. You canThis actually replace your old
262-275-2171 800 Park Dr 800 Park Dr Lake Geneva, WI Lake Geneva, WI 53147 53147
Phone: 262-248-2031 Phone: 262-248-2031 Derrick Funeral Home and Cremation Services has been a family owned and operated business in the Lake Geneva area for over 100 years. Our staff will be more than honored to help you with everything from pre-planning to personalization of the service you choose. If you have any questions, please do not hesitate to call. 269598
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Arranging your in-home services and support starts with a call to Alicia and Kate. Call us for more information. Supporting the Independence of Seniors and People with Disabilities.
Serving Southeastern Wisconsin Since 1974
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Exercise is one of the ways doctors recommend to improve overall health and emotional wellness. Talk to your physician about what else is available to help you live your life to the fullest.
New ways to improve
ELNARIZ/STOCK.ADOBE.COM Living Senior
early 25 million Americans experience daily physical discomfort, according to the National Institutes of Health, which can affect mood, mobility and quality of life. While the reasons for discomfort vary, the way it is experienced doesn’t – peripheral nerves are responsible for delivering sensory information, such as itch, temperature change and physical pressure to the brain. With this in mind, experts are identifying new ways to promote nerve health and comfort by inhibiting inflammatory compounds in nerve cells, and at the same time, encouraging healthy neurotransmitter levels in the brain. They have discovered that a fatty acid called palmitoylethanolamide (PEA), produced naturally by the body as part
of a healthy inflammatory and immune response, inhibits the secretion of inflammatory compounds from mast cells, a type of white blood cell. As we age, our number of mast cells decreases, causing our remaining mast cells to work harder. That can make them overly sensitive, activating inflammatory processes linked to nerve discomfort. “By inhibiting inflammatory compounds released by mast cells, PEA promotes the body’s natural response to uncomfortable nerve stimuli at the cellular level,” says Dr. Michael A. Smith, senior health scientist and spokesperson for Fort Lauderdale, Florida-based Life Extension. Smith points out that it is now possible to take PEA in supplement form. One option is Life Extension’s ComfortMAX, a dual-action nerve support supplement, which contains both PEA as well as
Honokiol, a naturally occurring lignan compound derived from magnolia that is shown to support “calming” receptors in the brain, known as GABA receptors, which affect the way the brain perceives discomfort. These statements have not been evaluated by the Food and Drug Administration, and these products are not intended to diagnose, treat, cure or prevent any disease. However, many experts believe they can be effective in pain management. More information can be found at www.lecomfortmax.com. “It’s only natural to think topically or locally when we wish to inhibit discomfort. However, taking in the bigger picture could mean more effective relief,” Smith said. (STATEPOINT)
LIVING SENIOR • WINTER/SPRING 2018
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LIVING SENIOR • WINTER/SPRING 2018
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Don’t let fear keep you from Seniors can overcome feelings of apprehension about going to the gym.
Regular exercise and a nutritious diet are two of the best things seniors can do to maintain their health. Exercise can delay or prevent many of the health problems associated with aging, including weak bones and feelings of fatigue. The Centers for Disease Control and Prevention says a person age 65 or older who is generally fit with no limiting health conditions should try to get two hours and 30 minutes of moderate-intensity aerobic activity per week, while also including weight training and muscle-strengthening activities in their routines on two or more days a week. Individuals often find that gyms have the array of fitness equipment they need to stay healthy. But many people, including older men and women who have not exercised in some time, may be hesitant to join a gym for fear of intimidation. Some
seniors may avoid machines and classes believing they will not use the apparatus properly or that they will be judged by other gym members. Some seniors may feel like gyms do not cater to their older clientele, creating an atmosphere that is dominated by younger members and loud music. Such misconceptions often are unfounded, because many gyms welcome older members with open arms. But even if seniors find gyms intimidating, they should still sign up for memberships. In such situations, the following tips can help seniors shed their fears and adapt to their new gyms. • Start the process slowly. Shop around for a gym that makes you feel comfortable. Get fully informed about which classes are offered and the benefits, if any, afforded to older members. • Get a doctor’s go-ahead. Make sure to clear exercise and gym membership with your doctor prior to purchasing a membership. He or she also may have a list of gyms where fellow senior patients have memberships. • Build up gradually. Begin with exercises you feel comfortable performing. Spend time walking on the treadmill while
observing other gym members. Tour the circuit of machines and other equipment. Find out if you can sample a class to see if it might be a good fit. • Find a gym buddy. Working out with a partner in your age group may encourage you to keep going to the gym and increase your comfort level. You each can offer support and enjoy a good laugh through the learning process. • Don’t get discouraged. Anyone working out for the first time, regardless of age, will feel somewhat out of place until exercise becomes part of a routine. Give it some time before throwing in the towel. Once you catch on, you may discover you enjoy working out. • Choose a senior-friendly gym. Some gyms cater to senior members. They may offer “SilverSneakers” classes at their facility. Other niche gyms may only accept members of a certain age group. Investigate these gyms if working out with a younger crowd is proving too great a deterrent. Fitness is important for healthy seniors. It can prolong life, help seniors maintain healthy weights and reduce their risk of injury. (METRO CREATIVE)
LIVING SENIOR • WINTER/SPRING 2018
Older adults can overcome gym intimidation
STOCK PHOTO Living Senior
g n i s i c r e x e
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Live comfortably on less Tips to save money and still enjoy retirement
Many people look toward retirement with mixed feelings. There is the anticipation and excitement of no longer having to stick to a set schedule. However, there may be some trepidation about living without a steady income. Bloomberg financial experts found the number of Americans age 65 and older without a disability that weren’t in the labor force rose to 800,000 in the fourth quarter of 2016. This has become a longstanding trend of Baby Boomers leaving the workforce and entering retirement. Yet, a Statistics Canada study of people between the ages 60 and 64 who had left long-term employment found 43 percent of them were working again, most Retirees can make changes to save money without negatively affecting their quality of life.
within a year of leaving their job. Although boredom may have compelled many of those people to re-enter the workforce, some may have started working again to make ends meet. Researchers found the higher the earnings in one’s late 40s, the more likely a retiree is to go back to work. While retirees may need to alter their spending habits, it is possible to live happily on less. Here are some ways to do just that.
Accurately assess home expenses The National Foundation for Credit Counseling says the cost of home-related expenses accounts for roughly 45 percent of spending for retirees. Individuals can add up exactly how much their homes are costing them and then decide a CONTINUED ON PAGE 12
STOCK PHOTO Living Senior
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LIVING SENIOR • WINTER/SPRING 2018
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rea residents already have endured several weeks of Mother Nature’s finicky winter weather. And for folks who have not prepared properly, it’s never too late to take some key safety precautions concerning slippery streets, driveways and sidewalks. But don’t forget about the great indoors either. Especially if you or a loved one are over age 65, it’s a great opportunity to think about avoiding falls – which impact one in four older Americans every year – and learning the steps we all can take to help prevent suffering such an accident. According to the National Council on Aging, falls are the leading cause of fatal injury and account for the majority of emergency room visits for older adults. More than 75 percent of falls happen in or around the house, but we have ways to evaluate our loved ones’ homes and make them safer. Use the checklist on this page, based on suggestions from the Consumer Product Safety Commission and the Centers for Disease Control and Prevention, to help guide your review of the exterior and interior of the property. Many of the safety measures listed can be made at little to no cost, but more significant modifications could require a considerable investment. Keep in mind, financial options are available for seniors who want to modify their homes to meet their changing needs. Area Agencies on Aging, state and local governments and some nonprofits offer grants, loans or other a CONTINUED ON PAGE 12
Home safety checklist Start your safety preparations on the outside: • Make sure the driveway and any paved walkways are smooth and stable. Seal any cracks before more damage is created. Crumbling or uneven concrete surfaces should be repaired. • Porch and deck flooring should be flat, even and nonslip. Any loose or broken floorboards should be nailed down or replaced. • Outdoor steps should have sturdy, easily graspable handrails. • The porch and entryway should be well-lit and light switches should be easily accessible. • Consider whether the doorway to the home can be converted to a no-step entrance way. There are many creative ways to achieve this.
Check out the inside: • Floors should be flat and nonslip; floorboards should be stable and carpets should be free of holes and tears that could create a tripping hazard. • Throw rugs should be fully fastened to the floor with tacks or double-sided tape or taken out of the house. a CONTINUED ON PAGE 12
LIVING SENIOR • WINTER/SPRING 2018
Prevent falls in winter with home safety check
STOCK PHOTO Living Senior
Preventing falls and injury becomes critical as you age. Take precautions to ensure common hazards are removed from in and around your home.
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a COMFORTABLY
FROM PAGE 10
if downsizing is a practical solution. Downsizing has a host of benefits, not the least of which is reducing housing-related expenses.
Invest in health care Unexpected health care costs can quickly deplete individuals’ finances. That’s why it is essential to have a solid insurance plan in place. Health care planning also may include thinking ahead to long-term care, such as assisted living and nursing homes. One may have to make concessions elsewhere, but investing in health care can assuage concerns men and
a PREVENT FALLS
women might have about the cost of living in their golden years.
store to store, so always ask before cashing out.
Use alternative transportation
Shop for food differently
Cars can be expensive. A budgetfriendly alternative to driving is to use public transportation or transportation services provided to seniors free or for nominal fees.
Take advantage of senior discounts Many restaurants, stores and service centers offer discounts to seniors. The starting age for discounts may vary from
(METRO CREATIVE)
a SAFETY
FROM PAGE 11
assistance programs for eligible seniors in need of home repairs and modifications. Older homeowners also may want to consider using a reverse mortgage loan to convert a portion of their home’s equity into cash proceeds that can be used for many reasons, including home modifications and maintenance. Unlike a home equity loan, a reverse mortgage requires no monthly principal or interest payments and cannot be frozen or reset. Borrowers do not have to repay the loan balance until the last eligible spouse
Bulk buys may have been appropriate for men and women when there were kids running around, but empty nesters can cut back on food expenses. Shopping sales and making more meals at home can help seniors save money. The market research firm NPD Group found that in-home meals cost roughly one-third of what it costs to eat the same food at a restaurant. Save dining out for special occasions.
permanently leaves the home or if they fail to meet their loan obligations, which include staying current on property taxes, insurance and any condominium or HOA fees. For a comprehensive overview of reverse mortgage loans and a Borrower Roadmap to the loan process, visit www. reversemortgage.org/Your-Roadmap, a free resource from the National Reverse Mortgage Lenders Association. (BPT)
FROM PAGE 11
• All stairs and steps should be flat and even, and clutter should be removed. • Add nonslip treads to stairs that are not carpeted. • Stairways should have solidly mounted handrails on both sides of the steps if possible and should be well-lit. • If you or your loved ones face mobility challenges and stairs are an obstacle to accessing different levels of the home, consider installing a chairlift that will enable them to enjoy all the rooms in the house again.
Tender Reflections of Elkhorn 1550 N. Country Club Parkway, Elkhorn, WI 53121
Assisted Living Specializing in Memory Care & Dementia Visit our Website for a Virtual Tour:
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Medicare Certified Orthopedic/sub-acute Complex wound care Therapeutic modalities Serving older Cardio-pulmonary adults since 1962 with only the Stroke & neurologic Post surgical care most concerned care provided by the most dedicated staff. Discover the Fairhaven difference. Faith based - not for profit
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LIVING SENIOR • WINTER/SPRING 2018
Rehabilitation Services
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Financial freedom in retirement is a goal for many working professionals. Attaining such freedom involves planning and saving for all potential expenses in retirement.
STOCK PHOTO Living Senior
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 to 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 etirement planning involves more than Massachusetts and as low as $30,438 in just investing in a 401(k) and/or Missouri. Whether they invest in longIRA. Individuals who hope to live term care insurance or develop another comfortably in retirement must plan with their financial advisers, men account for various expenses, and women must consider ways to finance including those associated with potential housing costs in retirement. their health. Renovations A 2013 report from the U.S. Senate’s Commission on Long-Term Home renovations are another potential Care found that each year an estimated 12 cost in retirement. Aging men and women million adults in the United States require who can no longer comfortably navigate some type of long-term care. Planning for staircases but are otherwise healthy the following potential expenses can help may need to renovate their homes to men and women ensure they will have account for their limited mobility. Such enough money to live well in retirement. 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 firstfloor den or living area into a bedroom, which also may require adding a full bathroom.
Maintenance
Homeowners who want to stay in their homes in retirement also must 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 enjoy getting out and about still will 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. (METRO CREATIVE)
LIVING SENIOR • WINTER/SPRING 2018
Potential long-term expenses to account for in retirement
Housing
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• Assistance with the activities of daily • Broad spectrum of outings & living (includes bathing, dressing, activities grooming) • Outside therapy services offered • All meals & snacks included and • Utilities; heat, A/C, electric & water prepared on premises included (residents responsible for • Laundry & housekeeping services cable & phone if desired) included • Comprehensive emergency response • Staff on premises 24/7 system • Beautiful garden courtyard for walks, activities and cookouts • RN & LPN on staff 24/7
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STOCK PHOTO Living Senior
Maintaining social connections can help aging men and women prevent cognitive decline. Join a club, play games and exercise regularly to stay sharp.
ging is associated with or linked to a host of mental and physical side effects. For example, many adults expect their vision to deteriorate as they grow older. Such a side effect can be combatted with routine eye examinations that may indicate a need for a stronger eyeglass prescription, a relatively simple solution that won’t impact adults’ daily lives much at all. While physical side effects like
Is Alzheimer’s disease hereditary?
The National Institute on Aging notes that only a very rare form of Alzheimer’s disease is inherited. Early-onset familial Alzheimer’s disease, or FAD, is caused by mutations in certain genes. If these genes are passed down from parent to child, then the child is likely, but not certain, to get FAD. So while many adults may be
concerned about Alzheimer’s because one of their parents had the disease, the NIA notes that the majority of Alzheimer’s cases are late-onset, which has no obvious family pattern.
Can Alzheimer’s disease be prevented?
Studies of Alzheimer’s disease are ongoing, but to date there is no definitive way to prevent the onset of the disease.
How can I maintain mental acuity as I age?
Researchers have not yet determined a way to prevent Alzheimer’s disease, but adults can take certain steps to maintain their mental acuity into retirement. • Exercise regularly. Routine exercise may be most associated with physical benefits, but the NIA notes that such activity has been linked to benefits for the brain as well. For example, a 2011 study published in the journal Proceedings of the National Academy of Sciences of the United States of America found that a CONTINUED ON PAGE 16
LIVING SENIOR • WINTER/SPRING 2018
How aging adults can maintain their mental acuity
diminished vision might not strike much fear in the hearts of aging men and women, those same people may be concerned and/ or frightened by the notion of age-related cognitive decline. Some immediately associate such decline with Alzheimer’s disease, an irreversible, progressive brain disorder that gradually destroys memory and cognitive skills, ultimately compromising a person’s ability to perform even the simplest of tasks. But age-related cognitive decline is not always symptomatic of Alzheimer’s disease. Learning about Alzheimer’s and how to maintain mental acuity can help aging men and women better understand the changes their brains might be undergoing as they near or pass retirement age.
15
a MENTAL ACUITY
FROM PAGE 15
aerobic exercise training increases the size of the hippocampus, leading to improvements in spatial memory. The NIA also notes that one study indicated exercise stimulated the brain’s ability to maintain old network connections and make new ones vital to cognitive health. • Read more. Avid readers may be happy to learn that one of their favorite pastimes can improve the efficiency of their cognitive systems while delaying such systems’ decline. A 2013 study published in the journal Neurology by researchers at Chicago’s Rush University Medical Center found that mentally active lifestyles may not prevent the formations of plaques and tangles associated with Alzheimer’s disease, but such lifestyles decreases the likelihood that the presence of plaques or tangles will impair cognitive function. • Stay socially connected. Maintaining social connections with family, friends and community members also can help women prevent cognitive decline. Epidemiologist Bryan James of the Rush Alzheimer’s Disease Center studied how social activity affected cognitive decline, ultimately noting that the rate of cognitive decline was considerably lower among men and women who maintained social contact than it was among those with low levels of social activity. The idea of age-related cognitive decline strikes fear in the hearts of many men and women, but there are ways for adults to maintain their mental acuity well into their golden years.
Picking up a new hobby, or revisiting an abandoned one, is another great way to stay active and social. STOCK PHOTO Living Senior
(METRO CREATIVE)
Housing Authority of the City of Burlington, Wisconsin
580 MADISON STREET BURLINGTON, WISCONSIN Federal Subsidized Rentals Available for Qualified Seniors (minimum age of 62) and Persons with Disabilities (Of Any Age)
1 and 2 Bedroom Apartments
LIVING SENIOR • WINTER/SPRING 2018
(Rentals based on 30% of tenant’s adjusted gross income, plus utility allowance)
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Apartments include: Carpeting, water, heat, appliances, window treatments, intercom system, storage area within apartment and assigned parking areas. SECURED BUILDING is located on six acres close to downtown Burlington in a park-like setting. Common spaces offer a library, community room with serving kitchen, public restrooms, patios and provides pleasant views from all windows. The well-maintained grounds border the scenic Fox River with many inviting outdoor spaces.
Call the manager for more information.
Monday-Friday 8 a.m. to 5 p.m. (Closed noon-1 p.m.)
262-763-5566 This Institution is an Equal Opportunity Provider and Employer
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Stuck in the middle?
SUBMITTED PHOTO Living Senior
Caregiver Kathie Wells with her husband, Robert, and their family. Support exists to help family members manage the struggles associated with caring for loved ones.
As the population ages, more people (particularly women) will be “sandwiched” in between taking care of their parents or other family members in need and their children. Take telenurse and nurse educator Kathie Wells, RN, BSN, CCM. At age 55, she is juggling full-time work while raising school-age kids and caring for her husband, Robert, 64, who was diagnosed with Parkinson’s disease in 2002. As a nurse, Wells understood the onset and progression of Parkinson’s, which often includes motor symptoms such as tremor, rigidity and balance issues. But her husband’s disease progressed in a surprising way when he began to see and believe things that weren’t real. Parkinson’s is a neurodegenerative brain disorder often involving both motor and non-motor symptoms, including hallucinations and delusions. When those symptoms appear, it may be Parkinson’s disease psychosis (PDP) and it occurs in more than half the people with Parkinson’s during the course of their disease. Yet, only 10 percent to 20 percent of patients
proactively will report their hallucinations and delusions to their doctor. When Wells’ husband began to experience delusions, she found his behavior frustrating and alarming. For example, Robert would spend hours in the yard digging up garden stones, convinced he’d found valuable “treasure.” Neighbors remarked on Robert’s behavior and his children wouldn’t invite friends over to avoid them seeing their dad relentlessly digging. Robert’s delusions combined with his other PD motor symptoms were hard for Wells to manage. She struggled to get enough sleep caring for Robert, and their children were hesitant to go out in public with their father because he shared his treasure hunting stories with strangers all the time. While there’s currently no cure for Parkinson’s, there are different treatment options to address both motor and nonmotor symptoms. Wells says it was a relief when her husband’s neurologist suggested an FDA-approved medication indicated for the treatment of hallucinations and delusions associated with PDP.
Wells recommends the following to caregivers of people with Parkinson’s. • Consider talking to a professional, because caregivers are more likely to experience relationships or social life suffering and emotional stress than noncaregivers. Likewise, caregiving can take a toll on physical health. Take time to sleep, de-stress, eat well and exercise. • Seek logistical and emotional help from family, friends, support groups and advocacy groups, who often have free resources available. For example, the Parkinson’s Foundation has advice for caregivers and a helpline staffed by nurses, social workers and therapists. • Even if you understand your loved one’s condition, report new symptoms or concerns to a health care provider as they arise. “I now know that delusions along with hallucinations are telltale signs of Parkinson’s disease psychosis, however, I didn’t recognize those symptoms immediately,” says Wells. For more information, visit www. moretoparkinsons.com. (STATE POINT)
LIVING SENIOR • WINTER/SPRING 2018
What you need to know about caregiving
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Seniors can give safely and successfully piggyback on the success of reputable organizations. They may operate under names that sound similar to legitimate charities or create business logos that are nearly identical. People should not be fooled by these tactics.
People often gain a greater sense of purpose and happiness after giving to charity, and seniors are no exception. According to a study from Merrill Lynch and Age Wave, today’s retirees are almost six times more likely to define success by generosity than their wealth when compared to seniors of yesteryear. Seniors’ eagerness to give makes them prime targets for charity fraud. Giving in retirement while avoiding fraudsters is challenging, but seniors who recognize their vulnerability can reduce their risk of falling victim to criminals.
Explore all the ways to give
and family, as well as learning about organizations through the Better Business Bureau. Online rankings and scam alerts can help with decision-making as well.
Research before giving
To ensure a donation will be spent in the way it was intended, seniors should thoroughly research organizations before becoming donors. One of the first places to start is Charity Navigator. A 501(c) (3) public charity, Charity Navigator has been steering the public in the right direction regarding charities since 2001. Their analysts research thousands of financial documents, rating charities on accountability, transparency and performance, among other criteria. Individuals also can research charities by getting recommendations from friends
Don’t feel pressured
High-quality charities do not need to resort to pressure tactics to solicit funds. Similarly, individuals should not feel put upon to donate because of gifts received in the mail. Such gifts commonly include note pads and return address labels. Seniors should make donations based on how they feel about a particular charity and the difference they want to make.
Be aware of sound-alike charities Some fraudulent charities like to
Seniors can give back in various ways. Charitable gift annuities and charitable trusts are great ways to give, and seniors can even donate senior discounts through a giving site called Boomerang Giving. Seniors also can volunteer their time.
Donate directly
Contact a charity directly to donate instead of using a middle person or unconfirmed entity on the phone. Use a credit card or check so there is a receipt of the donation.
Opt out of information sharing
Donating to one charity should not result in a deluge of solicitations from others. Individuals should tell a charity they do not want their personal information shared. This also helps to reduce the risk of being contacted by bogus charities. (METRO CREATIVE)
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Stop by or call today for an appointment! 317 S. Main Street, Delavan, WI 53115 • One or Two Bedroom Apartments • Heat, Water & Sewer Included • Laundry Room on Each Floor • Heated Underground Parking
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5
must-have home features for retirees
STOCK PHOTO Living Senior
Retirees looking to build or remodel a home should consider what their future needs might be as they age. Open floor plans, wide doorways and walk-in showers are good options for homeowners looking to age in place.
1.
Walk-in showers. Installing a walk-in bathtub or large shower is a good idea for ease and safety. Having extra room to move is not only aging-friendly, but a timeless trend that is easy to maintain. Clayton Homes, one of America’s largest homebuilders, features optional walk-in showers with benches that
are available in many of their homes. This is a feature that’s great at any age.
2.
Wide doors and hallways. Spacious doors and wide hallways do the double duty of making your home look great while providing enough space to maneuver a wheelchair or walker through if needed.
3.
Open floor plans. A home design trend that is perfect for any homeowner age is an open floor plan. But for boomers, an open floor plan is more than just an aesthetic feature. Having wide spaces that allow you to move around is essential to maintaining your independence as you grow older. It also helps add more natural light and is ideal when gathering with family and friends.
4.
Low maintenance. Fixing up an older home with good bones might look fun on TV, but it’s not something you will want to deal with
in your retirement. Rather than trying to troubleshoot problem after problem, look for a newly constructed home. Not only will you have fewer maintenance issues, but you can design a flexible floor plan that fits your lifestyle.
5.
A customizable floor plan. The features listed so far are part of what is commonly known as age-in-place design. These home features work for people of all ages but are designed so you can age into them. In addition, make sure the home you purchase is single-story and fits the lifestyle you want for your future. As you grow older, you realize there is no one, perfect dream home. Rather, there are different dream homes for different stages of your life. At Clayton, we know one home model does not fit all, and that is why we offer a range of models and designs that are easily customizable, affordable and stylish, allowing you to get the most out of your silver years. (BPT)
LIVING SENIOR • WINTER/SPRING 2018
As we move through the different stages in our lives, our housing needs change, too. The home you were excited to move into in your 30s might not be ideal for those now nearing retirement. According to the Joint Center for Housing Studies of Harvard University, between 2015 and 2035, the number of people over the age of 75 living alone will nearly double from 6.9 million to 13.4 million. Being prepared for retirement and aging is important, so we’re going to take a closer look at the specific housing features that would most benefit those who are looking to downsize or find that perfect home to “age in.”
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HELPING PEOPLE WITH DISABILITIES THRIVE IN CHRIST-CENTERED COMMUNITY
• Noble Insurance now offering Medicare Supplements • Featuring the most popular Wisconsin based Medicare Supplement in the state as well as a High Deductible ($2,200)/lower premium option • You can also save on your Auto and Home Insurance. Special features including Locking in Your Rate and Diminishing Deductibles on your auto policy. Guaranteed replacement cost and Equipment/Appliance Breakdown Coverage on your home policy.
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Everyone is made on purpose, for a purpose. Inspiration Ministries exists to serve, support, advocate for, and empower “the least of these.” Whether looking for that special place for your loved one, checking out the Resale Shops, donating a boat or car, or using our Retreat Center, you’ll feel right at home at Inspiration Ministries.
www.nobleinsuresyou.com Like Noble Insurance on Facebook to win prizes, get insurance tips and more!
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If you or someone you love is dealing with a serious illness, it’s important to know all of your care options early - when it’s still a choice, not a necessity. Nothing matters more at the end-of-life than having the time to say the things that need to be said, and do the things that need to be done.
The end of life is not a failed medical event. It is a special opportunity to care for the ones who have filled our lives with love and memories. Turn to Rainbow Hospice Care when time matters most.
Royal Treat 50¢ Off ANY ROYAL TREAT WITH THIS COUPON Limit one Royal Treat Offer good at Burlington Dairy Queen Offer good through March 24, 2018.
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LIVING SENIOR • WINTER/SPRING 2018
for Every Occasion...
This year, brush up on the signs and risk factors of pneumococcal pneumonia, as well as strategies for prevention, particularly as you age.
Protect yourself from
FATCAMERA - ISTOCK Living Senior
serious complications 5 surprising facts about pneumonia
Pneumococcal pneumonia can be 1. serious. If you are 65 or older, your risk of being hospitalized after getting
pneumococcal pneumonia is 13 times greater than for younger adults aged 18 to 49, and for those requiring hospitalization, they have an average hospital stay of six days. In severe cases, pneumococcal pneumonia can lead to death. Symptoms typically have an abrupt onset and may include coughing, difficulty breathing, shortness of breath, chest pain, high fever, excessive sweating and shaking chills.
It doesn’t happen only during winter. 2. Pneumococcal pneumonia is not a cold or the flu; you can get it any time of the year. Although rates of pneumococcal
pneumonia tend to increase in the fall and winter months, cold air does not cause pneumonia, including pneumococcal pneumonia. Pneumococcal pneumonia can be spread by coughing or close contact with an infected person, no matter the season. Even healthy adults are at increased 3. risk. One of the most important things to know is that for adults, risk increases with age as our immune system weakens and can’t respond as effectively to infection. Which means that otherwise healthy and active adults are at increased risk for pneumococcal pneumonia.
Chronic health conditions also can 4. lead to increased risk. Other factors, like your lifestyle and certain chronic health conditions, also canincrease your risk. Smoking, alcoholism and certain chronic medical conditions, such as diabetes, asthma, chronic obstructive pulmonary disease or a suppressed immune system, increase your risk for pneumococcal pneumonia. In fact, for adults 65 and older living with COPD, the risk for contracting
pneumococcal pneumonia is 7.7 times higher than their healthy counterparts, and those with asthma are at 5.9 times greater risk. The good news: You may be able 5. to reduce your personal risk. As a preventive health care measure, vaccines
work by teaching the body’s immune system to recognize and defend against harmful viruses or bacteria before getting an infection and reduce the chance of getting certain infectious diseases. But rates of vaccination among U.S. adults remain low, lagging well behind expert recommendations and federal goals. The Centers for Disease Control and Prevention’s Advisory Committee on Immunization Practices recommends that all adults 65 years or older receive pneumococcal vaccination. If you are 65 or older, talk to your doctor to see if you are up to date on your CDC-recommended adult vaccinations and take a personal risk assessment at Lung.org/pneumococcal, developed by the American Lung Association in partnership with Pfizer. (STATEPOINT)
LIVING SENIOR • WINTER/SPRING 2018
Pneumonia can strike anywhere and anytime, the American Lung Association reminds us. A serious, potentially lifethreatening lung infection, pneumonia is primarily caused by viruses, bacteria or fungi that are transmitted from one person to another. The most common type of bacterial pneumonia is pneumococcal pneumonia.
21
Surprising perks of your Medicare plan
With more than 10,000 baby boomers turning 65 each day, the number of people eligible for Medicare is growing rapidly. Medicare Open Enrollment starts Oct. 15 and runs through Dec. 7, a time when millions of people are evaluating their health plan options to ensure their coverage meets their retirement lifestyle. When looking at Medicare plans, people check to make sure their physician is included in the plan’s network and prescriptions are covered, but it’s important to see which unique benefits and perks a plan offers to take full advantage of the program. There is much more than standard health care available. Medicare plans can offer benefits including a free gym or fitness facility membership through programs such as SilverSneakers, the nation’s leading community fitness program designed specifically for older Americans. Exercise is key to helping people live their best lives as they age, maximizing their health and well-being to maintain an active lifestyle. No matter a person’s goal – from running a marathon for the first time to keeping up with grandkids – SilverSneakers members enjoy the many benefits of the program,
STOCK PHOTO Living Senior
When considering Medicare plans, many people look for those that cover fitness memberships.
including: • Membership to more than 14,000 fitness locations. SilverSneakers members have unrestricted access and unlimited visits to every fitness and wellness facility in the national network, including each location’s basic amenities, such as weights, treadmills, pools and more. • Specialized fitness classes: SilverSneakers offers a variety of classes in partnering locations that are designed to accommodate all fitness levels and
interests. Led by certified SilverSneakers fitness instructors, classes range from SilverSneakers Classic and Splash to SilverSneakers BOOM, a fast-paced, higher-intensity class designed for baby boomers and active older adults. • Friendship and community. So much more than an exercise program, SilverSneakers helps foster new friendships with a welcoming and supportive member community that becomes one of close friends. • Quality of life. The program changes lives by engaging participants in physical activity to help them do more of what they love. In fact, 91 percent of members say SilverSneakers has improved their quality of life. More than 14.5 million people are eligible for this program offered at no additional charge through the nation’s leading Medicare Advantage, Medicare Supplement and group retiree plans. You can check your Medicare plan to see if you are eligible for the program and claim your free fitness membership at www. silversneakers.com. (NAPS)
We can help you pursue your personal goals — and your goal to help others Giving back to your community is important to you — and to us. That’s why we’re committed to helping you make a difference.
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Planning Ahead
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Preplanning your funeral is the only way to make sure your Satisfaction Always With Preplanning yourbe funeral is the only Starts way make sure having your final requests will fulfilled. Relieve yourtofamily from final requests will be fulfilled. Relieve your family from having Planning Ahead Preplanning your funeral is extremely the only waystressful to make time. sure your to make decisions during an They’ll to make decisions an extremely stressful time. They’ll final requests will during be fulfilled. Relieve your family appreciate knowing your funeral is exactly as youfrom hadhaving planned. to makeknowing decisions your during an extremely stressful time. appreciate funeral is exactly as you hadThey’ll planned. Preplanning your funeral is theisonly wayas toyou make your appreciate knowing your funeral exactly hadsure planned.
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Retirement readiness
STOCK PHOTO Living Senior
Many Americans are nowhere near ready to finance their retirement. Social Security was not intended to pay for retirement. It should be considered as a supplement to your investment income after you leave the workforce.
A recent study by the Center for Retirement Research at Boston College suggests an alarming state of awareness about retirement readiness: Of surveyed households, 33 percent realize they are not well prepared, 19 percent are not well prepared but don’t know it and 24 percent are well prepared but don’t know it.
Asset accumulation A high-level approach to ensuring adequate retirement assets is to save a minimum of 10 percent of your gross income each year. You may need to save even more depending on your asset accumulation goals and how many years you have left to save before retirement. If you would rather have a dollar goal, multiply your annual income goal by 25 to arrive at the amount you should try to save.
For example, if after considering Social Security and any pension payment, you want $30,000 more of annual income in retirement, you will need to save $750,000. Lower goals mean you need to withdraw at a faster rate and increase the risk you will deplete your assets too soon.
Budgeting Not all budgets need to detail specific spending items. Rather, you can consider yourself working within a budget if you know that each year you are saving and not creating new debt (and paying off legacy debt for your education or home). If you want to squeeze out more savings, a lineby-line review of spending may well be fruitful.
Personal debt Many of us are saddled with personal debt from college and graduate school. a CONTINUED ON PAGE 24
LIVING SENIOR • WINTER/SPRING 2018
Hitting the retirement preparation sweet spot
For the Americans at risk of not being able to maintain an adequate retirement lifestyle, it’s critical to take action. For the households that are well prepared and don’t know it, they risk sacrificing a comfortable retirement. Understanding the behaviors associated with good retirement planning, in turn, can help you get a better sense of where you stand. Consider the following behaviors, which are more likely to be modeled by those who are well prepared for retirement.
23
a RETIREMENT
FROM PAGE 23
This debt has become so burdensome that the customary progression to home ownership has been delayed for many. The debt also has had a domino effect on the ability to save for retirement. Paying down personal debt should be job one. Other personal debt, such as for a car purchase, should be avoided, minimized or paid down as quickly as possible. Credit card debt, which carries high interest rates, should be avoided entirely. Remember, each dollar of debt limits your ability to save for the future.
Mortgage debt
Remarkable Benefits of Chiropractic Care for Senior Citizens Pain Relief
Decreased Joint Degeneration
Increased Health and Well-Being
Arthritis and Immune System Improved
Community Chiropractic Center 541 Kenosha Street, Walworth, WI
262-275-1700
OUR HOME IS YOUR HOME
LIVING SENIOR • WINTER/SPRING 2018
Social Security With traditional pension plans less commonly offered by employers, Social Security has become an even more important source of guaranteed lifetime retirement income. By waiting to age 70, you can increase the benefit payment significantly, which is also the base for annual Social Security cost-of-living increases for the rest of your life. That increased Social Security benefit also may increase the benefit that a surviving spouse will receive after you die. Unless you have a health care issue that could reduce your life expectancy and no spouse who might need a spousal benefit based on your earnings record, claiming Social Security early is the greatest retirement planning mistake made. a CONTINUED ON PAGE 25
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Muskego Health Care Center
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It used to be accepted that you pay off your mortgage before retirement, but more and more retirees are entering retirement with mortgage debt. The old rule remains the best approach, because any indebtedness in retirement will limit your ability to react and adjust to poor investment return on your assets.
Muskego Health Care Center is proud to have provided loving care to each and every resident throughout the past 55 years. As a family organization we have devoted our entire lives to helping make a positive difference in all our families’ lives. MHCC is a small, quaint, skilled nursing facility located on beautiful Little Muskego Lake which provides pleasure during all four seasons to peacefully enjoy. Our home is your home and you become part of our family the minute you walk through our doors. With 24/7 professional nursing and staffing you can rest assured that your loved one is in great hands each and every day so that you too can live your life at its fullest.
262-833-8777 14200 Washington Avenue Sturtevant, WI 53177
www.adrc.racinecounty.com
Muskego Health Care Center
Over 55 years of experience • Located on Little Muskego Lake
(262) 679-0246 www.muskegohealthcarecenter.com 305352
Providing older adults and people with physical, or intellectual/developmental disabilities the resources to live with dignity, security, and achieve maximum independence and quality of life. Contact your ADRC today! 305357
Ways to better organize your medical information A fresh new year presents a great opportunity to reorganize your medical information and files as part of a greater effort to prioritize your health and wellness in the coming year. From veterinarian bills to your children’s dental x-rays, these tips can help you get all your ducks in a row.
Be discerning
While most paperwork related to medical treatments is important and worthy of saving, there are some items that can be tossed. Be discerning or you will quickly be overwhelmed. Keeping a shredder on hand can eliminate any concerns you may have about discarding potentially sensitive material.
Make it convenient
It’s all too easy to skip filing paperwork until it gets out of hand. Keep your filing cabinet near your home’s landing area where mail comes in, so you can handle each item as it arrives.
Lock it up
Make labels
Clear, concise labeling is a must where effective filing and organization is concerned. Check out tools that simplify this process, such as Casio’s KL-120 Label Printer, which features a QWERTY keyboard and a 16-digit, two-line LCD display with 24-character sizes. For added visual ease, use color-coded file folders or labels to sort by year or member of the family.
It’s always a good idea to securely store sensitive personal information. Consider using a filing cabinet that locks. Just remember where you put the key.
Take notes
Whenever you visit the doctor, be sure to bring a pad of paper and something to write with or a device on which you can jot down notes quickly. Be sure to date
and label your notes and consider filing this along with any other information received from the health care provider that day, so that it’s easy to refer to as necessary.
Learn your history
If you are not well acquainted with your family’s medical history, resolve to learn it. You never know when an accurate record will come in handy.
(STATEPOINT)
FROM PAGE 24
Health care
Health care is the single greatest cost in retirement, and various studies estimate the cost to be $250,000 or more for a healthy 65-year-old couple. The cost of health care will be even greater to the extent one retires before age 65 and Medicare eligibility. Moreover, health care costs can vary and may come sooner than expected. The best plan is to work until at least age 65 and understand that health care is a unique challenge in retirement. To the extent possible, utilize Health Savings Accounts and bank any unused amounts annually to build up a tax-free health care fund for retirement.
Income planning No later than 10 years before your planned retirement, you should be
translating your retirement assets into an annual or monthly retirement income stream. Start with your Social Security and any pension plan payments as your income base, and then consider how much income your other assets can safely generate. Depending on this analysis, you may want to consider purchasing an annuity to make more of your retirement income guaranteed and avoid the twin risks of poor investment return and living longer than expected. Consider also that many of your retirement assets have an embedded tax liability. You will need to look through your retirement assets to determine aftertax income, because your food, rent and cable bills are paid with after-tax money. Only by seeing your after-tax income can you decide if you have enough to live on.
Annual financial wellness check-ups During your early working years, you are likely to be focused on debt reduction and asset accumulation. As you get closer to retirement, you will need to focus on the strategies associated with Social Security, health care and income generation. At all times you should annually revisit your goals and make adjustments, as needed, to how much and where you are saving, how much you are spending, how aggressively you are investing, and when your target retirement date is. Modeling such behaviors will make it more likely you will be well prepared for retirement. By doing so you also will make it more likely that you are properly assessing the state of your retirement readiness and not over- or underestimating your financial health. (BPT)
LIVING SENIOR • WINTER/SPRING 2018
a RETIREMENT
STICKASA/STOCK.ADOBE.COM Living Senior
Getting your medical information organized may seem like an annoying chore at first. But once you have a system in place, maintaining it will be smooth sailing.
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WILL YOUR RETIREMENT SAVINGS LAST? The difference between “retiring” and “retiring with confidence” often comes down to how prepared you are. We provide financial guidance to my members every day. That includes creating customized retirement income plans that can help you reach your goals and provide guaranteed income—for life. It’s easy to get started. Call us today to set up a free consultation. Joshua W. Duesterbeck, FIC Financial Consultant Shoreline Group 1421 Racine St., Suite G Delavan, WI 53115
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262-806-7390
Thrivent Financial was named one of the “World’s Most Ethical Companies” by Ethisphere Institute 2012–2017. Thrivent was named one of the “World’s Most Ethical Companies” by Ethisphere Institute for our leadership in promoting ethical business standards and introducing innovative ideas to benefit the public. “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC. For details, visit Ethisphere.com. Thrivent Financial representatives are licensed insurance agents/producers of Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. They are also registered representatives of Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415. For additional important information, visit Thrivent.com/disclosures. Appleton, Wisconsin • Minneapolis, Minnesota • Thrivent.com • 800-847-4836
28396 N2-15
305302
LIVING SENIOR • WINTER/SPRING 2018
262-740-9040
Scott P. Herrmann, FIC
Wealth Advisor Shoreline Group 400 N. Pine St. Burlington, WI 53105