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AGINGWELL SeniorCare Experts

www.srcareexperts.org

WINTER EDITION 2012

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VOLUME 9 • NUMBER 1

Helping seniors live independently since 1974!

inety is the New

80!

An update on the meaning of ‘old’ by Kirk Kandle

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hey say we’re living longer, in part because of medical advances. So, how old is old these days?

A recent Forbes Magazine report took a look at U.S. Census data. It suggests that the old definition of 85-plus as “really old” should be revised to 90-plus. The Census Bureau says this 90-plus segment of the population is exploding. They caution that the impact on Social Security, Medicare, caregiving and living

arrangements will be like a human tsunami wave.

Forbes broke it down like this: From 1980 to 2010, Americans 90 and over almost tripled to 1.9 million. That number is projected to more than quadruple by 2050, while the population aged 65 to 89 merely doubles.

The percentages are up, too. The 90-plus crowd was only 2.8 percent of the 65 and over population back in 1980. In 2010 the percentage jumped to 4.7 and it’s expected to reach almost 10 percent in 2050. “The momentum of aging within the older population propelled by the baby boomers will be significant,” according

In This Issue SCE Says Goodbye to Mike VanHimbergen and Welcome to Patty Dissell PAGE 2

The Tavern's Butter Potato Salad PAGE 5

Get a Severe Weather Plan PAGE 5

Ask and Act – Health Care Help in the New Year PAGE 10

Home Repair Help PAGE 11

Get a Will! Estate Planning

145 Thierman Lane Louisville, KY 40207 (502) 896-2316

www.srcareexperts.org

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Vivian Bo of Linc orse (95) and oln Hil ls Heal Helen Parsons Indiana th C (99 , enjoyin g their 9 enter in New ), residents Albany, 0s!

to the report, 90+ in the United States: 2006-2008. It’s based on the 2006-2008 American Community Survey, sponsored by the U.S. Census. Who’s really old? The current 90-plus population is 88 percent white. Most of the 90-plus group has completed high school (61.3 percent). About 20 percent of the 90-plus men have a bachelor’s degree or higher, nearly twice that of the 90-plus women. That’s probably because of the GI bill after World War II. The 90-plus men may be better educated, but they’re way out-numbered – just 35 men per 100 women. For 90-plus women seeking 90-plus male companionship, Forbes suggests looking to the ten states with the highest number of men per 100 women: Hawaii, Florida, Arizona, Utah, Montana, Idaho, Oregon, New Mexico, California and Nevada.

Up and At 'Em! by Ken Schulz

About half the 90-plus men are widowers and a whopping 43 percent are married, while 84 percent of women are widows and a mere 6 percent are married.

Gin & Raisins for Arthritis?!!

On the downside, the poverty rate for 90-plus folks at 14.5 percent is much

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Continued, page 3


SCE Says Goodbye to Mike VanHimbergen Retiring after seven years as SCE Executive Director and Chief Financial Officer to spend a little quality time with the grandkids.

A publication of SeniorCare Experts A Non-Profit 501(c) (3) Organization

By Mike VanHimbergen

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ow, seven years, to the day! I began my tour with Senior Citizens East on December 9, 2004 and here I am ending it with SeniorCare Experts on December 9, 2011! I’ve seen a lot of changes in seven years. And, it’s a very good SCE Chief Financial Officer Mike VanHimbergen retires. bet that the change will continue! By all estimates, the senior segment is expected to grow significantly over the next several years. And in surveys almost 90% of us say we want to stay in the comfort of our own homes as long as we can. This creates an ongoing need for a provider like SCE as an enabler of that wish. I am most certain of this: SCE has the right operating model for today’s economy. The private pay, fee-for-service plan supplemented by grants and charitable funds from our generous donors – to provide help to those who cannot afford the whole fee – is a responsible way to deliver these needed services to our senior community. While I will no longer be at the helm of SCE, I’m not leaving altogether, as I will surely be knocking on the door for services myself in the future. Until then, you can find me on the beach of the Outer Banks, with the grandkids to keep me “aging in place.”

Mike and his wife Mary Ann with their grandkids

SCE Welcomes New Executive Director: Patty Dissell

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eniorCare Experts is pleased to announce the appointment of Patty Dissell as Executive Director, effective January 3, 2012. Patty succeeds Mike VanHimbergen, retiring after seven years with SCE.

Patty Dissel, incoming SCE Executive Director

Patty will be responsible for the day-to-day operations of SeniorCare Experts to achieve goals and further the agency’s mission of helping seniors remain independent. Patty brings a wealth of experience in non-profit leadership, most recently as Executive Director of Spina Bifida Association of Kentucky. Patty is married, with three children and a grandchild. We look forward to Patty’s dedication, commitment and drive in her new role at SCE. Welcome! — Lucy Koesters 2

AgingWELL is published quarterly for the senior community, clients, family members, friends, volunteers, sponsors, and health care professionals.

WINTER EDITION 2012

SeniorCare Experts AGINGWELL

Executive Director: Patty Dissell Chief Operating Officer: Lucy Koesters AgingWELL Managing Editor: Lucy Koesters Editor: Kirk Kandle Art Director: Cathie Schneider Subscription $6.00 per year $10 for two years 145 Thierman Lane Louisville, Kentucky 40207 Phone: 502-896-2316 Fax: 502-896-2399 Website: www.srcareexperts.org Email: admin@srcareexperts.org

Our Mission: To enable Louisville area seniors to live healthy, comfortable and fulfilling lives at home, by being a trusted non-profit provider of services, products and information in metro Louisville. SERVICES: Lifeline Medical Alert Ann Cogswell Non-Medical Home Care Ann Cogswell Home Delivered Meals Sandy Hamilton Transportation Pat Brodfehrer, Joyce Streever Desk Mate, Medication Dispensing Service Lucy Koesters Volunteer Opportunities, Sponsorships and Charitable Contributions Becky Ricketts Membership Carol Kaufman Classified Advertising: .25 a word / $5.00 minimum Call 896-2316. Display Advertising Color and Black and White Rates: Call 896-2316

Acceptance of advertising does not constitute endorsement of advertiser. U.S. Postal ID: 3rd Class mail

Send address change to: SCE/AgingWELL 145 Thierman Lane Louisville, Kentucky 40207

Board of Directors: John Hodgson:  Chairman Terry McDevitt:  Vice Chairman Nancy Sullivan:  Treasurer Melanie Siemens:  Secretary Weldon Maisch, Larry Smith, John Snodgrass, Jan Shoaf, Terry Lesch, Mike Bainbridge, Adam Block Honorary:  Wayne Perkey, Ken Schulz Volunteer Liaison:  Michael Lamsfuss

www.srcareexperts.org


Ninety is the New 80, continued from page 1

higher than that for those aged 65 to 89 at 9.6 percent. And the 90 to 94 group has disabilities at a rate 13 percentage points higher than those ages 85 to 89. Many 90-plus folks – half of men and 40 percent of women – still live alone or in households with relatives or unrelated  individuals. But as they age, the likelihood of living in a nursing home increases from 3 percent at ages 75 to 79, to 38.2 percent at 100-plus. Secrets of aging well? In last month’s AgingWELL, we reported that Mr. Ken Riley, SeniorCare Experts’ oldest volunteer, celebrated his 100th on Sept. 22. Mr. Riley shared his secret of a long and happy life. It’s simple. “Call on the Lord every day,” he said. “And have a little highball.” Well, even though Mr. Riley makes it look and sound pretty easy, just one in 10,000 people will live past age 100. Scientists are looking at the DNA of centenarians like Mr. Riley to find out if there’s a special “silver bullet” trait that protects them from the diseases.

Call 502-896-2316 to advertise!

Scientists have recruited some centenarians for rigorous genetic screening. Researchers scratch their heads when they find some of the oldest among us who are obese and smoking. Yet despite these risk factors, they remain healthy right up to their final breaths. How so? Just lucky? Probably not. Researchers have found that people past age 100 are 20 times more likely than the average person to have a relative who lived well into old age, too. So maybe it’s true when people say “it runs in our family.” The goal now is to find the genes or groups of genes that control longevity, say scientists at the Lawrence Berkeley National Laboratory in California. They believe some day drugs could be developed to cause healthy aging and delay age-related cancer, arthritis, high blood pressure and diabetes. How to live to 100? Doctors recommend that you can take advantage of your good genes by keeping up good habits. And if your family’s genetics aren’t so great, your best bet is still the same – get regular exercise, eat

SeniorCare Experts AGINGWELL

right and don’t let stress get out of hand. It probably won’t hurt to use Mr. Riley’s secret formula, too. “Call on the Lord every day and have a little highball.” Kirk Kandle, AgingWell Editor

SCE now offers 'shelf-stable' meals delivered to your door. Clients who want quick meals on hand through the winter have a new option. The non-perishable meals require no refrigeration and little or no preparation. They're great to have on hand when the cupboard is bare. Each set of five meals costs just $25, delivered. For details, call Sandy at 896-2316.

WINTER EDITION 2012

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&Donors

SeniorCare Experts Thanks Funders at Appreciation Open House We love our donors! By Lucy Koesters, SCE Chief Operating Officer Photos by Fred Bennett

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olunteers and guests enjoyed a lively evening of good cheer with Christmas music, delicious hors d'oeuvres, wine, chocolates and desserts on Nov. 10, at a funder and donor appreciation open house, hosted at SCE's offices.

Edie Hoeing, SCE donor, gets a hug from Becky Ricketts

SCE's celebrity board members Ken Schulz and Wayne Perkey energized the crowd with their enthusiasm for our mission of helping seniors remain independent. SCE wishes to thank the following organizations for making this festive event possible: << Brownsboro Park Retirement Community << Wesley Manor Retirement Community Wayne Perkey, with Lucy Koesters << Masonic Homes of Kentucky and Carol Kaufmann, of SCE << Shoney’s American Family Dining << Jewish Community of Louisville << Felice Winery << GlenRidge Health Campus << Walmart Neighborhood Market, 143 Thierman Ln. << Sheri Ash, Belmont Village << Fred Bennett << SCE Board Members

“I want to stay at home!”

Almost everyone does. Pam Magers, SCE donor and volunteer, chats it up with Wayne Perkey and Ken Schulz, SCE celebrity board members.

With our help, almost everyone can! Safely — Beautifully! STAY AT HOME REMODELING can help surround you with the safety, style and dignity that you deserve.

The crowd enjoys hors d’oeuvres and libations generously donated by our six home-delivered meals kitchens.

Call

877-569-9019 We’re local!

STAY AT HOME REMODELING, LLC We’re in the business of planning ahead! susan@stayathomeremodeling.com

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WINTER EDITION 2012

“I want to make sure your home is more beautiful after we remodel than before. When I look in the mirror, I don’t want to see wrinkles; when I look at my bathroom, I don’t want to see grab bars. We do remodeling beautifully!” - Susan Reid

SeniorCare Experts AGINGWELL

“I want to make your home safe and accessible. I can help you stay in your home longer and with more safety. We do remodeling right!” - Doug Reid, CAPS, CCM.

www.srcareexperts.org


SCE Home Delivered Meals Program Spotlight on SCE Client: Marion Braden By Sandy Hamilton, SCE Meals Coordinator “The Tavern” at 1532 South Fourth St. in Old Louisville is nothing special. The name itself couldn’t be more plain and ordinary. Bar-hoppers in search of a trendy night spot will drive past without a glance. But Marion Braden, known as the "Knocker," and former owner of The Tavern, says he relished every second of the 28 years and three days he spent there. Now a 17 year retiree and a SeniorCare Experts client, Mr. Braden reflects on his life and his career as The Tavern’s owner. In some respects his life may seem Braden n unremarkable. He was just three years old io r a ent, M SCE Cli during the 1937 flood, so he doesn’t really remember it. He missed the Great Depression, but remembers his parents talking about it. He grew up here in Louisville, married in 1958, has three sons and now lives in the Hikes Point area. But watch Mr. Braden’s face light up when he tells you about the Thanksgiving dinner he served free of charge every year while he owned The Tavern. It was the traditional roast turkey and all the trimmings, gravy, real mashed potatoes, green beans, cranberry sauce and pumpkin and pecan pie for dessert. Mr. Braden cooked it all himself and never got so much as a mention in the media. The feast started at 10:30 a.m. and continued non-stop until the food was gone. About 200 people showed up for Thanksgiving each year. The Tavern’s current owner carries on the tradition Mr. Braden started. The Tavern still opens at 6 a.m. each day with a country breakfast, including real country sausage. When Mr Braden was proprietor, three fried eggs, sausage and biscuits cost just $1.30. At lunch he served cornbread made with sweet milk, fried in lard and drenched in butter. Butter beans, salmon patties and french fries were big menu favorites. The lard was the one essential in his best dishes,

Preparing for Winter Storms

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by Jim Bond

hen the ice and snow storm of 2009 left more than 600,000 homes and businesses across Kentucky without power, we all learned a lesson. The Louisville area experienced the worst power outage on record. But how soon we forget. If we're faced with hazardous weather conditions this winter will we be prepared? Now is the time to have your personal storm plan in place.

Mr. Braden says. He served breakfast, lunch and dinner at The Tavern and the tradition lives on. Late each day Mr. Braden mixed up his own recipe of hot mustard and served it with country sausage and cheese. It became The Tavern favorite. Some characters frequented The Tavern, some from as far away as Ireland and Chicago. Mr. Braden recalls once hiring a man off death row. “He turned out to be one of the best employees I ever had,” he said. “Everyone has a history!” Mr. Braden had a cook named Judy who made “Butter Potato Salad” and he recalls how they used to beg for it. “Folks loved it. The secret is to melt the butter and add it to the warm potatoes before you add anything else,” he said. The following is a similar recipe to try at home. Butter Potato Salad Hands on time: 25 minutes Total time: 1 hour. Serves: 12 Ingredients: 8 Idaho potatoes 1/4 cup (1/2 stick) unsalted butter, melted 3 hard-cooked eggs, finely chopped 1 sweet pickle, finely chopped (or 1/2 cup sweet pickle relish) 1/4 medium sweet onion, finely chopped 1 to 2 ribs celery, finely chopped 1 (4-ounce) jar diced pimentos, drained 1 cup Hellman’s mayonnaise 1 tablespoon vinegar 1 tablespoon mustard (optional) Salt to taste Paprika to taste Bring a large pot of water to boil; add the potatoes, unpeeled, and cook until fork-tender, about 30 minutes. Drain. When potatoes are cool enough to handle, peel them and cut them into small cubes. Transfer to a large bowl or plastic storage container. Add the butter and stir to combine. Let cool to room temperature. When cooled, add the hardcooked eggs, pickle or relish, onion, celery to taste and pimentos. Stir in mayonnaise, vinegar and mustard, if desired. Season to taste with salt (no pepper). Sprinkle the top with paprika. Chill until serving time.

Here are 10 ways to stay safe in the worst weather: • Check your carbon monoxide and smoke detectors. Be sure they have new batteries and work properly. • Stock flashlights, a batterypowered radio and plenty of spare batteries. • Keep a first-aid kit and a supply of essential medication. • Stock several gallons of bottled water and canned foods.* • Have extra blankets and warm clothing ready. • Don't use your oven or gas stove as a source of heat and be careful with space heaters.

• Avoid going outdoors. If you do venture out, wear loose layers of clothing. • Keep important emergency phone numbers on hand and cell phones charged. • Rock salt and sand on walkways and driveways can reduce slips and falls. • Consider a Lifeline medical alert system in case of emergency. A winter wonderland can be beautiful, but you should always prepare yourself just in case the weather turns frightful. Jim Bond is a Certified Aging in Place Specialist and General Contractor. Contact him at 502-553-6579. See ad on page 9. *See page 3 for info on SCE shelf-stable meals.

Call 502-896-2316 to advertise!

SeniorCare Experts AGINGWELL

WINTER EDITION 2012

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From Becky’s Desk Becky Ricketts is the Community Resource Manager for SeniorCare Experts.

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etro Louisville seniors are remaining independent and aging in place thanks to the generous support of individuals like you, who share the vision of SeniorCare Experts. Your donations help extend financial assistance to more seniors, enabling them to age independently for as long as possible. If you weren’t able to contribute during the fall fund drive, perhaps the timing is better now.

Making The World A Better Place!

SCE Volunteers Celebrating Birthdays! January

February

Punky Arnold Shannon Baumrucker Edsel Beale Sam Bidwell Hank Brodfehrer Eileen Kirchgessner Weldon Maisch Lynda Mehlhorn Kathy Reed Vicki Watts Kim Wilson

Thelma Bowman Janet Graff Regina Kreutzer John Moore Jessica Morgan Jack Nicholson Vicki Pedigo Joe Petito Cheryl Poole David Shaver Allen Snively Cassandra Townsend Jeannie Vezeau

Your gifts make it possible for SCE to continually reach out just a little further. In addition to your contributions to our mission during our annual fall and spring drives, you may want to explore a planned gift. For example, you can name SCE as a beneficiary in your will. Please feel free to contact me about giving options – or you can make an appointment to speak with your own financial advisor or attorney about planned giving opportunities to SCE. Thank you for caring and sharing in our mission. Have a great 2012!

D o n at i o n s

Consider making a gift to SCE! A gift can make a huge difference in the lives of hundreds of local www.srcareexperts.org seniors. Your gift extends our services to many seniors in need and may be tax deductible. Donations through your credit card are gratefully accepted. SCE is a non-profit 501(c)(3) organization. 896-2316. Thank You to SCE Volunteers and their donated time!

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August 2011:

September 2011:

October 2011:

815 Hours by 158 Volunteers

713 Hours by 141 Volunteers

699 Hours by 143 Volunteers

WINTER EDITION 2012

Henry Boer Charlie Cartwright Dolores Dietz Lauren Gassman Rosemary Keller Peggy Misbach Bill Ryan Joshua Sichles Gene Smalley Dot Weber David White Inez White

2011 SCE Volunteer Opportunities Volunteers are key to fulfilling several of SCE’s core services. If you have a caring heart and a sincere desire to serve the aging in our community, please call us! You can help deliver meals, provide transportation, assist with events and fund raisers or help as a receptionist in our office.

SCE says

For information about volunteering with SCE, please call Becky at 896-2316.

PS – Look for the “Special Mission Project” envelope in this issue for your convenience. Thank you!

March

for grants received!

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eniorCare Experts would like to thank the following organizations for grants received in the 4th quarter of 2011: • The Walmart Foundation awarded SeniorCare Experts $10,000 through its Twelve Days of Giving Program. The grant was awarded through nominations on Walmart’s Facebook page and will be used for the home delivered meals program. • The Etscorn Foundation awarded SeniorCare Experts $12,000, which will provide financial assistance for seniors needing the Lifeline Medical Alert service. • The Cralle Foundation awarded SeniorCare Experts $10,500 to provide financial assistance to meals clients. • The Gannett Foundation awarded SeniorCare Experts $1,400, to be used for support in the home delivered meals program.

SeniorCare Experts AGINGWELL

www.srcareexperts.org


Thank you for your generous gifts to SCE! From August 19, 2011 to November 18, 2011, the following organizations and individuals made financial gifts and/or provided programming space in support of SeniorCare Experts..

PLEASE NOTE: Gifts received after November 18, 2011 will appear in the next issue. If your company matches gifts, please let us know.. COMMUNITY SUPPORT Brownsboro Park Retirement Community CAREtenders Christ Church United Methodist City of St. Matthews Coffee News Louisville East Combined Federal Campaign Eclipse Bank First Capital Bank of KY General Electric Matching Gift Foundation Glenridge Health Campus Honorable Order of Kentucky Colonels Jewish Community of Louisville Kroger Co. Masonic Homes of KY Magnolia Springs Senior Living Community Our Savior Lutheran Church Shoney's American Family Dining Treyton Oak Towers Westport Road Christian Church UPS Foundation TENTH CENTURY $1,000+ Mrs. Bruce Ellison* Mary Rita & Terry McDevitt Mr. & Mrs. Robert Leahy DIRECTORS $500-999 Mrs. Ruth A. Clemmens Miss Edith Hoeing* Mr. & Mrs. Kenneth E. Panke, Sr. Mrs. Ayako Phillips Mr. Mike VanHimbergen Mrs. Vicki Watts SECOND CENTURY $250-499 Mr. & Mrs. Jay D. Harris Mr. & Mrs, Frank B. Hower, Jr. Pam & Jeff Magers Mrs. Joyce Zabel Two Anonymous Donors CENTURY $100-249 Ms. Sara M. Boswell Ms. Ann F. Cogswell Mrs. Lucynda Koesters Mr. & Mrs. Jesse R. Leathers Mrs. Geneva Madden Ms. Kathleen Parrott Mr. & Mrs. John G. Rowe Mr. & Mrs. Ken Schulz Mrs. Julia S. Willey Ms. Marjorie Wood One Anonymous Donor

CRYSTAL $50-99 Mr. & Mrs. Ken Berzof Hank & Pat Brodfehrer Mr. George Clark Ms. Susannah H. Curtis Mrs. Ruby Gordon Ms. Mary N. Jackson Ms. Barbara Patton Ms. Becky B. Ricketts* Mr. J. Robert Rosenkrans Mrs. Kay Steinau Ms. Brenda Stevenson One Anonymous Donor BOOSTER $1-49 Mrs. Ollie W. Dorris Mr. & Mrs. Charles M. Gipperich, Jr. Mrs. Janet Graff Mrs. Grace Greene Mr. & Mrs. Robert L. Happel Ms. Peggy L. Hixenbaugh Ms. Margaret L. Houck Ms. Clela A. Hoggatt Ms. Sharon L. Horn Ms. Mary Jean Kempf Mrs. Clara D. Lovelace Mr. & Mrs. Matthew McDermott Ms. Kay Manger Mr. & Mrs. Michael Pedigo Ms. Kathryn Pfeiffer Ms. Mary Rucker Mr. William Simpson Mrs. Fay H. Stephens Mrs. Edith Sutton Mr. Richard Weckman Mrs. Louise E. Wells Ms. Mildred H. Young Two Anonymous Donors

MEMORIALS &TRIBUTES SEPTEMBER / OCTOBER / NOVEMBER 2011 Please Note: Gifts received after November 18 will be listed in the next issue of AgingWELL

In Memory of Gus & Louise Manger By Kay Manger In Memory of Ronnie Gordon By Ruby Gordon In Memory of Alton Wells By Louise Wells In Memory of Mae Robinson By Patricia Eckerle In Honor of Mike VanHimbergen By Ann Curtis In Honor of Becky Ricketts By Miss Edith Hoeing In Honor of Leslie Stephens By Fay Stephens Please remember SeniorCare Experts and our mission for birthdays, anniversaries, memorials, honorariums and other events in your life.

* Denotes SCE Legacy Society Matching Gifts: GE – Mr. Mike VanHimbergen, Mrs. Sara M. Boswell, Mr. William Simpson, Mr. J. Robert Rosenkrans, Ms. Janet Graff, Mr. & Mrs. Jesse R. Leathers, Mrs. Ruth A. Clemmens JP Morgan Chase & Co.– Mrs. Bruce Ellison

Every effort has been made to present our donors and supporters as accurately as possible. If we made an error or omission, please accept our apology and contact us so we may make the necessary correction.

Call 502-896-2316 to advertise!

SeniorCare Experts AGINGWELL

WINTER EDITION 2012

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‘‘We choose Belmont Village.’’ “Mom is getting older now and needs a little help with things like meals and daily living activities. Belmont Village is the perfect choice. She has her own apartment in a beautiful community. She has friends, activities to keep her busy, a driver to take her places, even chefs to cook her meals. Plus, she receives hands-on assistance from Belmont’s trained staff whenever she needs it. She’s happy! That makes me happy, too.”

‘‘We Choose Belmont Village.’’ • Louisville’s leading Personal Care community since 1999 • Licensed nurse on-site around the clock • Medication management • Chef-prepared, restaurant-style dining • Free scheduled transportation daily • Fitness and social activities • Housekeeping and laundry • Assistance with daily living • Circle of Friends® memory program • Short-term stays available • Specialized Alzheimer’s care

st. matthews

4600 Bowling Blvd. (near Mall St. Matthews) Call (502) 721-7500

PC Lic. 100891 © 2012 Belmont Village, L.P.

The Community Built for Life ® www.belmontvillage.com

AgingWell_1_2012_BV.indd 1

12/5/11 4:23 PM

Hold the Date!

502-241-0985 LAUCHLIN V. HINES LauchHines@TargetRetire.com www.TargetRetire.com www.KFG.com

Targeted Retirement Strategies, LLC 5601 Coral Berry Place Crestwood, KY 40014

Securities and Advisory Services offered through Private Client Services, LLC., Member FINRA, SIPC and a Registered Investment Adviser. Private Client Services, LLC and Targeted Retirement Strategies, LLC are unaffiliated entities.

Specializing in Long Term Care and other related insurance products.

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WINTER EDITION 2012

SCE will once again partner with A+ Paper Shredding to help you Destroy your Confidential Documents! Where: SeniorCare Experts 145 Thierman Lane (St. Matthews) When: April 21, 2012 • 9:30–11:30 a.m. Cost: $5 donation to help provide services for local seniors. Document destruction provided by A+ Paper Shredding (640-4223) For information call: 896-2316

4967 US Hwy 42, Suite 100 Louisville, KY 40222

Martin Katz, M. Ed. Agent/Owner

Don’t work with an ordinary agent! Martin Katz holds a Master’s Degree in Rehabilitative Counseling. He understands your needs.

April

Cell: (502) 905-8989 Fax: (502) 471-5164

(502)479-5576

1805 Princeton Drive Louisville, Kentucky 40205 mkatzltcc@bellsouth.net

Katherine Semmes, MSSW, SRES®

ksemmes@semonin.com www.ksemmes.semonin.com

SeniorCare Experts AGINGWELL

Seniors Real Estate Specialist

licensed to sell real estate in Kentucky

www.srcareexperts.org


• Certified Aging In Place Specialist • FREE In Home Safety Assessments • Home Modifications: Handrails, Chair Lifts. Walk-In Showers, Plumbing, Fixtures • Licensed, Bonded, Insured • References Available • Approved by the Better Business Bureau • Serving all of Kentuckiana and Southern Indiana

Call James L. Bond 7115 Fisherville Road Louisville, KY 40023

502.491.5502 cell: 502.553-6579

Call 502-896-2316 to advertise!

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WINTER EDITION 2012

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Manage your Meds and Healthcare: Ask and Act in the New Year!

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By Lynn Harrelson, R.Ph., FASCP

Senior Pharmacy Solutions Medication Therapy Management Services

A

s the clean slate of a new year starts, we begin to think of ways to change or improve our lives. Changing or improving our health or overall well-being is usually at the top of everyone’s list.

If you include any kind of health care goals in your annual new year’s resolution, consider including a commitment to Ask and Act. Asking and Acting is a well-proven process that supports better health. Communicating improves your relationship with health care service providers. In the process they learn how to treat and take care of you – and you find out what you can do for your health.

Why is it important to Ask? Asking questions helps each party: • Understand the health care problems or issues. • Clarify what can be done to address concerns. • Identify specific needs you have. All this supports better decision making on your part and on the part of your health care providers. Make it your resolution to Act on the information you receive: • Learn all you can about a topic. • Ask more questions if you need more answers. • Develop your plan to act on what you have learned. Why is it important to Act? Asking alone does not create the change in your health. Acting on what you and your health care providers have discussed and shared turns into better results for all your health care services, more tailored to you and your specific needs. Acting Is Just As Important As Asking. First, you Ask to collect or verify information – then you Act to turn what you’ve learned into results. Ask and Act should be a continuing process with all health care providers. WINTER EDITION 2012

eep a small notebook to jot down a quick question, a word that will jog your memory or recall. You can use the notebook to keep your health care providers’ names, addresses, and phone numbers. It can also be used to list your medications, lab results, anything you want to track.

Your Ask & Act notebook can put everyone on the same page – you, your loved ones, caregivers and health care providers.

Make it your resolution to ask more questions about your health, scheduled procedures, lab results, medications – all the things that affect your health, overall well-being and continued independence.

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Another 2012 resolution should be to keep all of this information gathered for easy reference or look up. Nowadays, when we prepare to visit any of our health care providers, we begin to think about the things we’d like to discuss, but when we get there, we forget it or fail to bring up the topic.

Review your notebook before each health care appointment and list on one page everything you may want to discuss with your health care provider during the next appointment. This will help when it’s time to ASK. If you meet with an assistant before your appointment, share your questions or topics with them as well. Your Ask and Act notebook can put everyone on the same page – you, your loved ones, caregivers and health care providers.

Everyone in health care is looking toward a future with electronic medical records. But for now, there’s no substitute for the tried and true, pencil and paper. Your little notebook will help you to ASK and ACT. Lynn Harrelson, R. Ph., FASCP is a registered senior care pharmacist. She is the owner and operator of Senior PharmacySolutions. Contact her at 502-425-8642 or visit her web site at www.SeniorPharmacySolutions.com. See her ad on back page.

Westport Seniors’ Holiday Lunch was “Fun, Fun, Fun." ’s Westport Seniors were treated to a surprise-filled holiday SCE luncheon on Wednesday, December 14, 2011. Participants enjoyed a holiday lunch provided by Shoney’s restaurant, a visit from Wayne Perkey (SCE’s celebrity board member), games and gifts. The festive atmosphere was appreciated by the members who said the event was, “fun, fun, fun.” The Westport Seniors group meets on the third Wednesday of each month at Westport Road Christian Church, 7515 Westport Road. Join us! Everyone is welcome. Call Carol at 896-2316 for more info or to register for the next luncheon. — Lucy Koesters, SCE

SeniorCare Experts AGINGWELL

www.srcareexperts.org


Ask Terry and Terry

The Book Hook

Pam’s Picks

Terry L. is a medical social worker with over 20 years of experience. She advises and counsels patients and families, helping them remain safe, independent and healthy. Terry M. has worked as a licensed counselor and teacher in corporate and academic settings for over 25 years.

By Pamela Magers

Water for Elephants

Worried Widow Needs Help with Home Repairs!

Dear Terry and Terry, I’m a fairly independent elderly widow. I live in my home that I’ve lived in for forty years and wish to remain there. I’m in good health – for an elderly person – only the usual aches and pains. I take home delivered meals several times a week from SeniorCare Experts and occasionally use the transportation service. I also wear a Lifeline medical alert button for safety. My house needs work I can’t afford. The roof, major appliances, furnace and central air are all reaching the end of their life expectancy. I’m afraid these things will fail and I’ll need major repairs. The house is paid for, but I don’t have much in savings and rely on my Social Security for basic expenses. I don’t want to ask my son for help as he has a family and has been out of work. Where can I go for help?- A Worried Widow Dear Worried Widow, Your worries may be relieved by local home repair assistance. The Louisville Metro Housing Organization offers home repair to residents of Jefferson Co. Income guidelines apply so it is likely that your repairs will be free to you if you are living on Social Security alone. They can repair or replace furnaces and air conditioners and also work on interior and exterior home repairs, such as roofing. Give them a call at 574-3107. Another option is Repair Affair through New Directions Housing Corp. They repair homes for people 60 and older. They accept applications in early January. Volunteers make repairs in June. You can reach them at 589-2272 to request an application by mail or to apply by phone. Good luck! - Terry L. Have a query? Send your questions to AgingWELL Editor, Lucy Koesters at l.koesters@srcareexperts.org or 145 Thierman Lane, Louisville, KY 40207. Note: All questioners will remain anonymous.

For an emotionally packed story expertly blending the past and the present, read Water for Elephants. The main character, Jacob Jankowski is 93. A visiting circus stirs Jacob's memories of youth. Flash back to an orphaned boy who, through a series of bizarre events, joins the circus. It's mystery, adventure, a love story, historical novel and more.

Wings of a Dream By Anne Mateer

At age 19, Rebekah Grace Hendricks has her life all planned. It's 1918 and she fully intends to escape her little Oklahoma farming town by marrying a dashing young man of the world. But plans change radically for Rebekah, who faces trials she never imagined and finds another love who forever alters her dreams.

Harold: The Boy Who Became Mark Twain By Hal Holbrook

SCE Spread Holiday Cheer, Helping Out Needy Seniors. SCE sponsored a holiday basket drive for ten needy seniors in December, 2011. Community donations included shelf staples such Sandy Hamilton, SCE Meals as canned and dried soups, crackers, Coordinator, with Ms. Thelma Temple, long time SCE peanut butter, canned hams, candies Meals client. and noodles, as well as household necessities such as toothpaste, toothbrushes, soaps and shampoos. The large baskets, wrapped and tied with colorful bows, were delivered by SCE staff, board members and volunteers on Wednesday, December 16. “The baskets seemed to fill up by themselves,” said SCE staffer, Joyce Streever. “It was wonderful to see the generosity of our fellow co-workers and the community as they brought in their donations to the drive throughout December.” Thanks to all who contributed to SCE’s charitable drive! ­­ Lucy Koesters, SCE —

Call 502-896-2316 to advertise!

By Sara Gruen

Mr. Marion Mears, SCE client, accepting a Christmas package from Sandy Hamilton (not shown).

Eighty-six year old Hal Holbrook has written a winner. Harold: The Boy Who Became Mark Twain shares his challenging childhood and hardships as an actor with his own growing family. This one is loaded with insights from the man who's best known for bringing Mark Twain to life on stage.

SCE Volunteers Jason Thompson and his two children, Emma, age 12, and Evan, age 11 helped deliver Christmas packages to needy seniors in December.

SeniorCare Experts AGINGWELL

Pam Magers is SCE’s “book lady.” She is a Volunteer Receptionist and avid reader. For book comments or suggestions, please contact Pam at: mpmagers@gmail.com WINTER EDITION 2012

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Estate Planning Checklist Getting affairs in order helps avoid legal, financial and emotional issues down the road. By Lauchlin Hines, Certified Retirement Financial Advisor

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state planning is a task that people tend to put off, as any discussion of “the end” tends to be off-putting. However, those who leave this world without their financial affairs in good order risk leaving their heirs some significant problems along with their legacies. No matter what your age, here’s a 2012 estate planning “to-do” list: • Create a will. It’s startling how many people never get around to this. A recent Lawyers.com survey of 1,022 Americans found that just 35 percent had wills. A valid will may save your heirs from some expensive headaches. • Complement your will with related documents. This could include some kind of trust, durable financial and medical powers of attorney, a living will and other items. A living will is not the same as a durable medical power of attorney. A living will makes your wishes known regarding lifeprolonging medical treatments. A durable medical power of attorney authorizes someone you choose to make medical decisions for you, including end of life decisions if you become unable to make these decisions. your beneficiary • Review designations. Your IRA, 401(K), annuities and life insurance

Courtesy of Dreamstime Stock Photos

beneficiary designations take priority over bequests made in wills and living trusts. If you long ago named a child now estranged from you as the beneficiary of your life insurance policy, he or she will receive the death benefit when you die – regardless of what your will states. • Create asset and debt lists. One list should detail your real property and personal property assets. It should list real estate and its worth, personal property items in your home, garage, backyard, warehouse, storage unit or small business that have notable monetary worth. Another list should detail you bank and brokerage accounts, your retirement accounts, and any other forms of investment plus any insurance policies. A third list should detail your credit card debts, your mortgage and or home equity lines of credit, and any other outstanding consumer loans. • Let your heirs know the causes and charities that mean the most to you. You may want to suggest donations to your favorite charities when you pass.

• Select a reliable executor. Consider a few factors. Is there a possibility that your named executor may die before you do? How well does he or she handle financial matters? What if you change your mind about the way you want your assets distributed? Can you easily communicate those wishes to that person? Your executor should have copies of your will, forms of power of attorney, any kind of health care proxy or living will, and any trusts you create. Any of your loved ones named in these documents should also receive copies of them. • Talk to a professional. Doit-yourself estate planning is not recommended, especially if your estate is complex enough to trigger financial, legal, and emotional issues among your heirs upon your passing.

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any people have the idea that they don’t need an estate plan because their net worth is less than X dollars. Keep in mind, money isn’t the only reason for an estate plan. You may not be a multimillionaire but if you own a business, have a blended family, have kids with special needs, worry about dementia, or can’t stand the thought of probate delays plus probate fees whittling away at assets you have amassed…well, these are all good reasons to create and maintain an estate planning strategy.

Lauch Hines may be reached at 501-241-0985 or LauchHines@targetretire.com; www.TargetRetire.com

This material was prepared by Peter Montoya Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. The publisher is not engaged in rendering legal, accounting or other professional services. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. If assistance or further information is needed, the reader is advised to engage the services of a competent professional. Citations. 1 financial-planning.com/news/Schenkman-lawyers-estate-2665998-1.html [3/1/10] 2 sfgate.com/cgi-bin/article.cgi?f=/g/a/2010/11/02/investopedia6151.DTL [11/2/10] 3 raymondjames.com/branches/c2c/35C/oxleygrouprja/articles/distribution/tod_will_substitutes.pdf [2006] 4 www.montoyaregistry.com/Financial-Market.aspx?financial-market=reasons-not-to-write-your-own-will&category=30 [1/23/11] Securities and Advisory Services offered through Private Client Services, LLC,. Member FINRA, SIPC and a Registered Investment Adviser. Private Client Services, LLC and Targeted Retirement Strategies, LLC are unaffiliated entities.

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WINTER EDITION 2012

SeniorCare Experts AGINGWELL

www.srcareexperts.org


“Up and At ‘Em!”

CLASS Act wasn’t very classy!

By Martin Katz

Small steps toward good health pay big dividends.

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he national health care reform last year included the Community Living Assistance Service and Support Act (CLASS) – a national voluntary insurance program to help working people pay for home health care.

by Ken Schulz

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om would say things back then that made little sense to me. I remember she would say “Up and at ‘em!” as she made her way down the hall to make breakfast each morning. As a child of the nuclear age I couldn’t figure out what “Up and atom!” meant. She would also tell us to “Be true to our teeth or they’ll be false to you.” And my personal favorite of hers was “It wasn’t the cough that carried him off, it was the coffin they carried him off in.” As a child I would grin, nod my head as if I knew what the heck she was talking about and pray that one day she would utter something cool. Now I’m well into my 50's and starting my second career in health care. I’m quoting my Mom and appreciating her for the misunderstood genius she was. “Be true to your teeth” simply means maintain a healthy lifestyle. Do the little things now that will pay dividends later. I’m not asking you to go on some exotic diet or run a marathon, but how about getting out of your chair and walking, if you are able. Did you know that if every day you take just one extra 12-inch step more than the day before, all those extra steps will add up to twelve and a half miles in a year? But it’s not going to happen unless you take that first step.

In October, however, Congress abolished the act. Long term care insurance experts weren’t surprised that the legislation was overturned. Here’s why: Each working person under the act would have paid premiums for at least five years to be eligible for benefits. The act generally set the daily amount for home care at $50 – far short of the real needs and actual costs for services. A more realistic benefit would have been a minimum of $150 per day. Policyholders under CLASS would have expected reasonable levels of coverage, only to be disappointed by out-of-pocket costs. Traditional long term care insurance is still the more affordable method for providing long term care.

Martin Katz holds a Masters Degree in Rehabilitative Counseling from the University of Louisville and is the owner of the Long Term Care, LLC specializing in Medicaid and Long Term Care Insurance and related products. Contact him at 502-479-5576. – See his ad on page 8.

“It’s not the cough that carried him off” means pay attention to your body’s warning signals. Take care of the little things before they become big things. Take advantage of any preventive screenings that your doctor suggests. Today, many of these screenings and tests may be offered at no cost to you, but you won’t know unless you have regular conversations with your doctor.

This man goes to his doctor and the doctor tells him that he has some good news and bad news to share. The guy asks his doctor for the good news first and the doctor says, “The test results are in and they show that you have only 24 hours to live.” The guy says, ”Oh my gosh! What’s the bad news? “The doctor replies, “Well, I forgot to call you yesterday. Folks, I’ve got good news and bad news for you. The good news is you are in charge of your health and happiness. The bad news is you are in charge of your health and happiness. You can’t complain about the cost of medicine if it’s for a preventable condition that you created. You can’t complain about being miserable if you won’t put yourself into a position to enjoy life.   As Mom said back then, get “up and at ‘em!” It’s that time of year when we’re all looking for a fresh start. You know what’s better than a New Year’s resolution? A healthy action made anytime during the New Year! Have a happy, healthy New Year, my friends!

Ken Schulz was a weather fixture at WHAS-11 television for 30 years from 1978 – 2008. Ken is now a consultant/spokesperson for Humana MarketPOINT and is also an Honorary Member of the SCE Board of Directors.

Call 502-896-2316 to advertise!

SeniorCare Experts AGINGWELL

WINTER EDITION 2012

13


rthritis relief with tai chi and gin-soaked raisins?

WORD SEARCH: HAPPY NEW YEAR!

By Pamela Magers, SCE Volunteer

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lingering medical myth is circulating the notion that exercise can cause arthritis or even make it worse. Wrong! Don’t believe this hard-to-kill myth. In fact, the opposite is true. People who suffer with arthritis discover that their pain is more intense without exercise. And they experience more stiffness and fatigue when they don’t exercise.

Keep moving. According to a report by the Harvard Medical School called “Arthritis: Keeping your Joints Healthy,” one of the best activities for arthritis sufferers is to exercise in a warm water pool using a program developed by the Arthritis Foundation. Other beneficial activities include strength and resistance training and using weight machines. Resistance bands and free weights are also quite effective for reducing arthritis pain with the added perk of strengthening your muscles, bones and heart. Easy does it. The Harvard report also stated that tai chi, a low-impact Chinese martial art, is excellent for increasing balance, flexibility and strength. Tai chi involves slow circular movements and focused breathing. Jumping Juniper! Although not mentioned in the Harvard Medical School Report, gin-soaked raisins is an old folk remedy for arthritis that has recently made a comeback. It seems the juniper berry, used in the production of gin, is a powerful anti-inflammatory and according to some reports, seven gin-soaked golden raisins per day may be effective in helping to control the pain of arthritis. Dr. Mehmet Oz agrees and has even added ginsoaked raisins to his list of approved home remedies for arthritis sufferers. As for any potential harm from the alcohol, physician columnist Dr. Donohue says, “There would not be enough alcohol retained in seven raisins to cause harm.” This remedy was also mentioned back in 1994 on the Paul Harvey radio program. Seems to me it’s worth a try. Much more palatable than OTC pain killers.

“It’s a pacemaker for your heart, plus, you can download apps for your liver, kidneys, lungs, and pancreas!”

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WINTER EDITION 2012

BABY NEW YEAR FATHER TIME COUNTDOWN NOISE BALL DROP KISS NEW YORK CITY

CHAMPAGNE DICK CLARK MIDNIGHT BUBBLY DECEMBER JANUARY FIRST

PARTY MUSIC AULD LANG SYNE WRISTWATCH FIREWORKS RESOLUTIONS POLAR BEAR DIP

TIMES SQUARE CLOCK CONFETTI HORNS SILLY HATS CELEBRATION REMEMBERING

TRIVIA QUESTION: The first director of the American FBI was born on New Year’s Day in 1895. What was his name? TO ANSWER THE QUESTION, LOOK FOR A WORD OR PHRASE THAT IS HIDDEN IN THE PUZZLE, BUT NOT IN THE WORD LIST.

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he Louisville Free Public Library presents a special series, “To Your Good Health,” at the Main Library, 301 York Street.

Jan. 18, at 6 p.m. – Your Brain: How to

reduce your risk of Alzheimer's disease. Dr. Robert Friedland from UofL talks about how brains age and ways to protect yourself.

Jan. 25, at 6 p.m. – Your medicine cabinet: Are you taking too many pills? Dr. Demetra Antimisiaris explains a 5-syllable word, “polypharmacy,” and a growing concern in health care today.

Feb. 15, at 6 p.m. – Family caregiving: My life as a lifeline. Dr. Jane Thibault, gerontologist and author of "No Act of Love is Ever Wasted" joins AARP Prepare to Care outreach staff member Rita Combs- Sterrett and Klein Older Adult Services director Mauri Malka to discuss the growing demand on family caregiving. Call: 574-1668 for more information.

Get Published! Have a funny story, brain teaser, original poem,

poignant memory or other short, original article you’d like to share with our readers?

Send it to: Lucy Koesters, AgingWELL Editor SeniorCare Experts • 145 Thierman Lane • Louisville, KY 40207

All submitted materials should be copyright-free and will be used at the discretion of the editor and editorial consultants. Published items may be edited. Submissions become the property of SCE – please keep a copy of your work!

SeniorCare Experts AGINGWELL

www.srcareexperts.org


SeniorCare Experts

AGINGWELL SERVICES FURNITURE RESTORATION 40 Years Experience Specialize in Antiques Pick up and deliver! Call to set up appointment. SIP Inc. 2115 Frankfort Avenue 459-5966 COMPUTER TUTORING & ASSISTANCE On your computer, at your convenience! Call Lois at 594-1521 or 458-7680 ASPHALT, SEALING AND PATCHWORK Protect your driveway! Please call Phil at 895-8226 for a free estimate. CARPET CLEANING 29 Years Experience Carpet · Draperies · Area Rugs Upholstery · Car Detailing HERR Carpet Cleaning Call: Lynn Allen Herr 502.639.2140 COMPUTER REPAIR Done in your home. Maximum $40 labor per computer. Free estimates. Call Mark at 502-333-2783

FOR SALE BOB MUELLER – AUTHOR AND AGINGWELL/TODAY’S WOMAN COLUMNIST Books by Bob Mueller The Gentle Art of Healing – $14.95 Look Forward Hopefully – $14.95 Send order and payment to: PSE Publishing 3902 Keal Run Way Louisville, KY 40241

CEMETERY PLOT FOR SALE Louisville Memorial Gardens East Asking $1400 For additional info, please call June Fisher at 828-254-2415

CLASSIFIEDS VOLUNTEER OPPORTUNITY PERSONAL ESCORT TRANSPORTATION Seniors who no longer drive need you! Drive Senior adults to doctors, grocery, beauty/barber shop or personal errands. Morning or afternoon. Weekdays only. SCE does the scheduling. Flexible hours/days. Contact Becky at 895-2805, Ext. 116 HOME DELIVERED MEALS DRIVER Fern Creek area on Wednesdays Germantown area on Mon. / Wed. / Fri. The purpose of the Home Delivered Meals Program is to provide a nutritionally balanced meal to home bound seniors. The volunteer who delivers these meals is a vital contact for the recipient, allowing for the choice to remain independent and at home for as long as possible. Drivers will pick up meals at assigned time and site, and deliver meals to persons on their routes. Can you help? Call Becky Ricketts at 896-2316

EasyStand Evolv with Glider Active standing glider provides lower body range of motion, upper body strengthening. Arm handles move to create reciprocal leg movement. Adult model fits users from 5'1" – 6'2", up to 280 lbs. Designed for easy transfers. Features secure foot straps, hip support, back high contoured, belt hip Velcro, mounting bracket and strap x-chest vest. Enhances the medical benefits of standing, can positively affect health. Bought for $5,000, will sell for $2,000.

HELP WANTED CAREGIVERS FOR ELDERLY If you would like to work with seniors, we would love to have you work with us at ElderServe and Assurance Home Care. Work in your own neighborhood. Will arrange interviews at SeniorCare Experts. Call Ann at 895-2805 Ext. 114

Take A Hike, Louisville! By Lucynda Koesters Over 30 Nature Excursions in the Louisville Area. Only $10 to SCE Friends.

Call Lucy at 896-2316

Call 502-896-2316 to advertise!

Please call for more info:

502-244-8440

Got something to sell? A service to provide? Need to hire someone?

Place a super-economical classified in The AgingWELL! Ads are just $.25 per word with a $5.00 minimum! Call Lucy at 896-2316 for more info about placing a Classified ad.

SeniorCare Experts AGINGWELL

Home Delivery - $6.00 a year or $10.00 for 2 years! Name Address City Phone Email

State

Zip

ATTACH YOUR CHECK TO THIS FORM AND MAIL TO: SeniorCare Experts • 145 Thierman Lane • Louisville, KY 40207 Phone: 896-2316 • Fax: 896-2399

Heaven’s Gate

A cat died and went to Heaven. God met her at the gates and said, “You’ve been a good cat all these years. Anything you want is yours for the asking.” 
The cat thought for a minute and said, “All my life I lived on a farm and slept on hard wood floors. I would like a real fluffy pillow to sleep on.” 
God said, “Say no more.” Instantly the cat had a huge fluffy pillow.
 A few days later, six mice were killed in an accident and they all went to Heaven together. God met the mice at the gates with the same offer that He made to the cat. The mice said, “Well, we’ve had to run all of our lives – from cats, dogs, and even people with brooms! If we could just have some little roller skates, we wouldn’t have to run anymore.” 
God answered, “It is done.” All the mice suddenly had beautiful roller skates.

 About a week later, God decided to check on the cat. He found her sound asleep on her fluffy pillow. God gently awakened the cat and asked, “Is everything okay? How have you been doing? Are you happy?”

 The cat replied, “Oh, it is WONDERFUL. I have never been so happy in all my life. The pillow is so nice and fluffy. And those little Meals on Wheels you’ve been sending over are delicious!”

Two Parkinson Walkers For Sale U-Step Walking Stabilizer. Surrounds and moves with user. Regulates walking speed. Unit folds for compact storage. Includes hand brakes, passed seat and basket. Two adjustable height units available: Standard Size: Fits users 5'1" – 6'1" or Customized to fit up to 6'4".

$100 each Please call for more info:

502-244-8440 SeniorCare Experts AGINGWELL

WINTER EDITION 2012

15


Owned and operated by Louisville’s Ratterman Family since 1864.

F U N E R A L

H O M E

3800 Bardstown Road 459-3800 3711 Lexington Road 893-3644

5 ADDITIONAL CONVENIENT LOCATIONS

Premier 50 Account

Exclusively for folks as young as 50

• Free first order of basic checks • Free debit card • No fee travelers cheques • Free direct deposit

• Free FinanceWorks™ online budgeting tool • Free online statements • Free mobile banking*

• Free online banking & bill pay 584-3600

888-584-3600

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Minimum opening deposit $50. * Message and data rates may apply from your wireless carrier.

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AgeingWell Winter 2012  

AgeingWell Winter 2012 Newsletter

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