Prime Times - July 21, 2022

PRIME TIMES For those who weren’t born yesterday

A SPECIAL SUPPLEMENT TO TIMES BEACON RECORD NEWS MEDIA • JULY 21, 2022

PAGE B2 • PRIME TIMES • TBR NEWS MEDIA • JULY 21, 2022

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5. How to plan for a post-50 career change 7. Nutritional needs change as we grow older 8. Crossword puzzle 9. Four tips for healthier grilling 10. How to avoid scams 11. Hip fractures: A growing problem 13. Recipe Corner 14. Key considerations when getting ready to retire 14. Word search 15. How to 'age in place' 16. Revisiting your portfolio after 50 17. Living at home with Parkinson's Disease 19. Maintaining a culture of wellness 20. Nine ways to stay active this summer 21. How to find the perfect vacation rental 23. Directory of advertisers

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PAGE B4 • PRIME TIMES • TBR NEWS MEDIA • JULY 21, 2022

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JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B5

How to plan for a post-50 career change

P

rofessionals change careers for many reasons. Some do so in pursuit of a higher salary, while others seek a more even balance between their personal and professional lives.

Career changes can renew a person’s passion for working, which can grow stale for individuals who have been doing the same job for years on end. Though there’s not necessarily a bad time to change careers, there are times when making such a transition carries more risk. Such is the case for individuals over 50.

Many individuals over 50 may not have the financial obligations they had when they were younger, as children may have grown up and moved out of the house.

That can make changing careers after 50 more palatable. However, some individuals in their 50s may be hesitant to leave the security of an established career behind in favor of something new. Hesitance about job prospects after 50 also can make some less likely to take the plunge into a new career.

Though hesitancy about a career change after 50 is understandable, a recent survey from the American Institute for Economic Research found that 82 percent of workers

pay cut, so individuals who can pay off their mortgages, consumer debts and/ or auto loans prior to making a career change may find the transition to a lower income goes more smoothly than it might if they’re still carrying such sizable financial commitments.

Make plans to delay retirement

who responded to the survey were able to successfully transition to a new career after age 45.

In addition, projections from the U.S. Bureau of Labor Statistics estimated that labor force participation among individuals aged 65 and over would increase significantly by 2022, nearly doubling the rate of participation in 1990. Those figures suggest that a midlife career change is not necessarily

the same thing as a late-career career change.

That should give professionals the confidence they need to successfully transition to a new career. Individuals mulling a career change after 50 also can take these steps to make such a transition less risky.

Pay down debt

Financial freedom can be an ally for individuals 50 and over who want to change careers. Career changes often require a

As BLS data indicates, individuals who want to delay retirement certainly won’t be alone. Delaying retirement affords individuals more time to save, and a financial advisor can help adults over 50 come up with a new retirement plan that reflects their willingness to work longer. Delaying retirement also means delaying withdrawals from retirement savings accounts, which can provide peace of mind against a loss of income resulting from a career change.

Go back to school

Much like young people go to college before entering the professional arena, adults over 50 who want to change careers may need to go back to school to improve their career prospects. Remote learning and parttime schooling can make juggling a career and school more manageable.◆

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Nutritional needs change as we grow older

T

he message has remained the same for seniors, even after the traditional food pyramid was updated for a new era: Focus on nutrient-dense options and more fluids, while getting plenty of exercise, in order to improve mental health and lengthen your life. The USDA breaks their recommendations down into three vital areas: Fluids, fiber and supplements.

FLUID INTAKE

Seniors should lower the risk of dehydration by drinking plenty of fluids.

This is especially important, of course, when working or exercising outdoors and in the hotter summer months. But staying hydrated is important even if you’re not spending extended periods of time outside. Water is recommended, rather than sugary drinks or sodas, which may actually have the opposite effect since they’re diuretics.

Fluids can also be obtained by eating various foods with a high amount of water content like vegetables, soups and lettuce.

The USDA says to gauge what’s needed by listening to your body. If you’re thirsty, that means you’re not getting enough water.

FOCUS ON FIBER

Digestive health relies upon a recommended intake of fiber, which is found in whole-grain foods, dark-colored vegetables and brightly colored fruits.

Experts recommend that we eat fresh as often is as possible, but seniors should take advantage of frozen options, canned or dried vegetables and fruits needed in order to reach optimum intake levels. Canned and dried foods are also handy when traveling or in the event of a natural disaster that makes traveling to an area grocer impossible.

Limit sodium, in particular if you have been diagnosed with hypertension.

SUPPLEMENTAL NEEDS

As we age, certain additional needs emerge, as calcium, vitamin B-12 and vitamin D supplements are recommended — in particular if your diet doesn’t include enough of these vital nutrients.

The World Health Organization recommends that those over 50 get 1,200 milligrams of calcium a day, the equivalent of four cups of dairy or soy milk, or fortified orange juice. Omega 3 fatty acids serve to reduce inflation,

helping to fight cancer, heart disease and arthritis. You’ll find it in walnuts, flaxseed and certain fish. Consult with a physician about integrating supplements

into your daily regimen. They may also have helpful tips on dietary updates you can make that might eliminate the need for additional vitamins.◆

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PAGE B8 • PRIME TIMES • TBR NEWS MEDIA • JULY 21, 2022

Crossword Puzzle

What matters to you, matters to us.

Family. Community. Legacy.

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CLUES ACROSS

CLUES DOWN

1. Candy bar Baby 5. New York baseball player 8. *____ days of summer 11. Southern cuisine pod 12. Austin Powers' charm 13. Phlegms 15. Finish with plaster 16. Balanced 17. Shy 18. *Usually June 21 20. Wood sorrels 21. Between septet and nonet 22. Stir fry pan 23. *"Out" for most kids in summer 26. Popular white fish 30. ___ Tsu 31. Pavlov's conditioned ____ 34. Part of cathedral 35. Dwelling 37. *It's often hot and muggy in summer 38. Be in accord 39. Physicist Niels ____ 40. Like some wedding cakes 42. A Bobbsey twin 43. Comparative of staid 45. *Like waterskier's dream lake surface 47. Jean-Claude ____ Damme 48. Not our 50. *Dangle them in the pool?

52. *Tossing around, pl.

55. Drunkard 56. Falling out 57. Like one deserving of a Christmas gift 59. On and on (2 words) 60. Black tropical cuckoos 61. Bob ____ of boxing industry 62. JFK's brother 63. "Owner of a Lonely Heart" band 64. Typically 5 of these in a men's tennis match

1. "Arabian Nights" bird 2. Luau strings 3. Crosby, Stills and Nash, e.g.

4. Attention-grabbing shout 5. *Summer blockbuster 6. DVD player button 7. Muscle quality 8. Russian parliament 9. "Sittin' On The Dock Of The Bay" singer 10. Cowboy's heel prod 12. Courage to carry on 13. Counter seat 14. *Summer activity: berry ____ 19. Game status 22. Car wash option 23. Granite store units 24. Explorer John ____, a.k.a. Giovanni Caboto 25. Commotion 26. German mister 27. Farm structure, pl.

28. Part of an eye, pl.

29. *Adjective for bikini?

32. *County event 33. Tall tale 36. *#5 Down venue 38. Improvise 40. Sophomore's grade 41. Antonym of ingests 44. Old hat 46. NBA venues 48. Threesome 49. No-distortion sound reproduction, pl.

50. Arctic floater 51. Augmented * THEME RELATED 52. Brawl CLUE 53. Republic of Ireland 54. Hare's tail 55. *Uninvited picnic guest 58. Ambulance squad, acr.

Answers to this puzzle are on page 23.

PRIME TIMES | Diet

JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B9

4 tips for healthier grilling

S

ummer is synonymous with many things, including family vacations and relaxing days at the beach. For foodies, perhaps nothing evokes the spirit of summer more effectively than firing up the grill.

Grilling is a beloved tradition, but it’s not necessarily the healthiest way to eat.

Traditional backyard barbecue fare like hot dogs and hamburgers likely won’t make physicians’ hearts flutter, but there are ways to enjoy the flavor of grilling without compromising a nutritious diet.

Replace burgers and hot dogs with healthy proteins. The occasional hamburger or hot dog won’t do much damage, but people who regularly grill should skip these summertime staples and replace them with healthy proteins.

The American Heart Association reports that fish and skinless chicken breasts are healthy alternatives to hamburgers and hot dogs. Burger devotees can still enjoy their go-to grilled food, but replace ground beef with lean ground poultry, which contains less saturated fat than red meat.

Avoid overdoing it. Most people have overindulged at a backyard barbecue at one point or another. The relaxed, party-

like atmosphere of the backyard barbecue makes it easy to snack on chips and other unhealthy fare before moving on to burgers and hot dogs.

Hosts can do guests a favor by replacing snacks and sides like chips and potato salad with healthier fare like celery, fruit salad or chickpea salad. Keep portions of grilled fare as close to a healthy size as possible. The AHA notes that a healthy portion of meat is around three ounces and no more than six ounces.

Create a salt-free rub. There’s no denying salt makes food more flavorful.

But that flavor comes at a high cost. The health care experts Piedmont note that excessive amounts of salt can contribute to inflammation from fluid retention and increase a person’s risk for hypertension, or high blood pressure.

Salt may be a go-to for many grilling enthusiasts, but it doesn’t have to be.

A salt-free rub made with chili powder, garlic powder, paprika, and/or other spices is an effective and salt-free way to add flavor to meat, chicken and fish.

Grill more vegetables. Grilled vegetables, whether they’re part of kebabs or simply grilled alongside the main

course, add significant flavor and provide all the health benefits of veggies cooked in more traditional ways. Zucchini, bell pepper, onions, asparagus, corn, potatoes, portobello mushrooms and even string beans and eggplant become sweet and savory when cooked on the grill.

The AHA notes that coating vegetables in a healthy oil like olive oil makes it

easy to grill them directly over an open flame without sticking. Cooking in this way imparts that signature smoky, grilled flavor to vegetables.

Summer grilling can be as healthy as it is flavorful. All it takes is a few simple strategies to make the menu at your next backyard barbecue one any doctor would love.◆

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PRIME TIMES | Finances

PAGE B10 • PRIME TIMES • TBR NEWS MEDIA • JULY 21, 2022

Ten tips to avoid scams

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here are thousands of new scams every year making it challenging to keep up with all of them. Seniors are especially targeted, whether it has to do with health care fraud, counterfeit prescriptions or extortion schemes.

According to the Better Business Bureau, if you follow these ten tips, you will be able to avoid most scams while protecting yourself and your family.

1. Never send money via gift card or wire transfer to someone you have never met face-to-face. If they ask you to use wire transfer, a prepaid debit card, or a gift card, those cannot be traced and are as good as cash. Chances are, you won't see your money again.

2. Avoid clicking on links or opening attachments in unsolicited emails. Links, if clicked, will download malware onto your computer, smart phone, tablet or what ever electronic device you're using at the time allowing cyberthieves to steal your identity.

Be cautious even with email that looks familiar; it could be fake. Instead, delete it if looks unfamiliar and block the sender.

3. Don’t believe everything you see.

Scammers are great at mimicking official seals, fonts, and other details. Just because a website or email looks official does not mean that it is. Caller ID is commonly faked.

4. Double check your online purchase is secure before checking out. Look for the “https” in the URL (the extra s is for “secure”) and a small lock icon on the address bar.

Better yet, before shopping on the website, make certain you are on the site you intended to visit. Check out the company first at BBB. org. Read reviews about the quality of the merchandise, and make sure you are not buying cheap and/or counterfeit goods. Look for a brick and mortar address listing on the website itself and a working phone number.

Take an extra step and call the number if it is a business you are not familiar with.

5. Use extreme caution when dealing with anyone you’ve met online. Scammers use dating websites, Craigslist, social media, and many other sites to reach potential targets.

They can quickly feel like a friend or even a romantic partner, but that is part of the con for you to trust them.

6. Never share personally identifiable information with someone who has contacted you unsolicited, whether it’s over the phone, by email, on social media, even at your front door. This includes banking and credit card information, your birthdate, and Social Security/Social Insurance numbers.

Be cautious about sharing your credit card information over the phone.

7. Resist the pressure to act immediately.

Shady actors typically try to make you think something is scarce or a limited time offer. They want to push victims to make a decision right now before even thinking through, asking family members, friends or a financial advisors. Sometimes, they'll advise to avoid contacting anyone and to just trust them.

8. Use secure and traceable transactions.

Do not pay by wire transfer, prepaid money card, gift card, or other non-traditional payment method. Say no to cash-only deals, high pressure sales tactics, high upfront payments, overpayments, and handshake deals without a contract. Read all of the small print on the contract and make sure to understand what the terms are.

9. Whenever possible, work with local businesses. Ask that they have proper identification, licensing, and insurance, especially contractors who will be coming into your home or anyone dealing with your money or sensitive information. Review Business Profiles at BBB.org to see what other people have experienced.

10. Be cautious about what you share on social media. Consider only connecting with people you already know. Check the privacy settings on all social media and online accounts. Imposters often get information about their targets from their online interactions, and can make themselves sound like a friend or family member because they know so much about you. Also update and change passwords to passphrases on a regular basis on all online accounts.◆ Have you or someone you know been the victim of a senior scam? Immediately report it via the toll-free number for the U.S. Department of Justice’s National Elder Fraud Hotline at 833-372-8311. The AARP also hosts a Fraud Watch Network Helpline at 877-908-3360.

JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B11

Hip fractures: A growing problem Fall injuries can lead to serious problems down the road.

M

any began to make jokes as a commercial ran for years where a woman cried out, “I’ve fallen and I can’t get up.” But it’s no laughing matter for those who’ve suffered a hip fracture.

In fact, these injuries are associated with high rates of mortality among the elderly.

Thankfully, there are preventative measures and improved treatments for those at risk of this potentially debilitating injury.

SOARING NUMBERS Hip fractures are projected to reach nearly 290,000 a year by 2030, according to the Centers for Disease Control and Prevention.

More than 95% of these injuries involve falling, typically sideways onto the hip.

Depending on the injured person’s age and overall health, a hip fracture may result in long- term impairment, lengthier admissions to a nursing home or even death.

WHO’S AT RISK White women are the most susceptible to hip fractures, sustaining some threequarters of these injuries. But age plays a huge role: Those 85 and older are up to 15 times more likely to suffer a hip fracture as those who are 60-to-65, according to the CDC. Osteoporosis is also a risk factor, since the disease weakens bones. More than 10 million Americans over the age of 50 already suffer from this disease, according to the National Osteoporosis Foundation — and 34 million more have risk factors.

TREATMENT OPTIONS Hip fractures typically involve hospitalization and surgery, with a one-week stay as the typical length of treatment.

Many will then have to transfer to a rehabilitation center or nursing home in order to regain full mobility. As many as one in three seniors who were living independently end up spending at least a year in rehab, according to the Journal of the American Geriatrics Society.

Deaths associated with hip fractures continue at a worrying pace. But better

treatment options, including advances in hip replacement, have shortened recovery times and improved outcomes. Some 400,000 hip replacements are completed each year in the U.S. AVOIDING FALLS Here are a few tips to help you avoid falls and broken bones: Stay physically active; have your eyes and hearing tested; find out about the side effects of any medicine you take; get enough sleep; limit the amount of alcohol you drink (Even a small amount of alcohol can affect your balance and reflexes); stand up slowly to avoid a drop in blood pressure; use an assistive device if you need help feeling steady when you walk; and wear non-skid, rubber-soled, low-heeled shoes, or lace-up shoes with non-skid soles that fully support your feet.

Finally, always tell your doctor if you have fallen since your last checkup, even if you aren't hurt when you fall. A fall can alert your doctor to a new medical problem or problems with your medications or eyesight that can be corrected. Your doctor may suggest physical therapy, a walking aid, or other steps to help prevent future falls.◆

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JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B13

The Recipe Corner Sweet summer treats to beat the heat

W

hether your family's ideal summer day consists of swimming, hiking, biking or simply enjoying the sunshine, all that time in the heat calls for a sweet way to cool off. It's hard to beat a homemade treat loaded with favorite summertime flavors that's as cold and creamy as it is sweet and delicious.

Watermelon Ice Cream Bars When a summer weekend offers opportunities for morning kitchen lessons with the kiddos, they can help measure ingredients for Watermelon Ice Cream Bars and watch the magic happen as you mix up a watermelon curd, homemade crust and whipped cream. Once your creation freezes completely throughout the day, turn out and cut into bars for a cold afternoon treat following all that fun in the sun.

YIELD: Serves 8 INGREDIENTS:

Watermelon Curd:

• 3/4 cup watermelon juice • 2 tablespoons lime juice • 1/2 cup honey • 1 pinch salt • 3 eggs, lightly beaten • 1/2 cup butter (1 stick), cut into small cubes

Crust:

• 8 graham crackers, crushed • 2 tablespoons honey • 1 pinch salt • 4 tablespoons butter, melted and cooled • basil leaves, for garnish

Whipped Cream: 1 cup heavy whipping cream DIRECTIONS:

To make watermelon curd: In medium, heavy-bottomed saucepan, combine watermelon juice, lime juice, honey and salt. Stir to combine then add eggs. Place pan over medium heat and cook, adding cubed butter to pan and stirring constantly, until mixture thickens and coats back of wooden spoon. Immediately remove from heat and carefully pour through fine mesh sieve. Cool completely in refrigerator.

To make crust: Preheat oven to 350 F. In food processor, pulse graham crackers until rough crumbs form. Add honey, salt and melted butter; pulse until mixture resembles wet sand. Line 8-by-8-inch pan with parchment paper then press graham cracker mixture into bottom of pan in even layer. Bake crust about 10 minutes, or until just beginning to brown. Allow crust to cool completely.

To make whipped cream: When crust and curd are completely cooled, in large bowl, whip cream until stiff peaks form. Gently push cream to one side of bowl and pour in

Watermelon Ice Cream Bars

watermelon curd. Using spatula, gently fold cream and watermelon curd together until no streaks are visible.

Pour creamy watermelon mixture over graham cracker crust. Freeze dessert completely, 4-6 hours or overnight. When ready to serve, loosen sides with small spatula or butter knife. Turn out onto cutting board and use large spatula to flip so graham cracker crust is on bottom. Cut into eight bars and top each with a basil leaf before serving.

Watermelon Gelato For a lighter, better-for-you solution, this Watermelon Gelato has about half the fat and fewer calories than traditional ice cream but with equally mouthwatering flavor. In fact, the word "gelato" means "ice cream" in Italian, and while the two frozen desserts have much in common, gelato is typically lower in fat with more density. If you're looking for an added touch of tastiness, try adding a few chocolate chips to the mix in the last few minutes of churning in your ice cream maker, or simply add some on top before serving.

YIELD: Serves 8 INGREDIENTS: • 2 cups pureed watermelon • 1/2 cup sugar • 1 1/2 tablespoons cornstarch • 1 cup fat-free half-and-half • 3 tablespoons lemon juice • 1/2 cup whipping cream • mint leaves, for garnish

Watermelon Gelato DIRECTIONS:

In blender, blend watermelon, sugar, cornstarch, half-andhalf, lemon juice and whipping cream until smooth. Using ice cream maker, process gelato according to manufacturer's instructions. Top with a mint leaf before serving.

Find more sweet summer recipe ideas at Watermelon.org.

PAGE B14 • PRIME TIMES • TBR NEWS MEDIA • JULY 21, 2022

SUMMER DAZE WORD SEARCH

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Here are some key considerations

R

etiring comfortably might come down to taking a hard look at where and how you live. The spacious home we all needed when raising a young family may now represent unrealized equity since the kids moved away. But downsizing is only one of your retirement-age real estate considerations.

DOWNSIZING OPTIONS One of the easiest ways to protect the nest egg you built as part of the workforce is to downsize your home. Choosing smaller, more affordable options can lower your monthly mortgage payments — or eliminate them all together, depending on how much your former home garners on the market. Downsizing might also involve selling unused land in order to reap cash benefits or simply to lower property taxes. Community housing can also lower your bills, while also eliminating tasks like lawn upkeep which become more difficult with age.

WHAT TO CONSIDER Nearly 65% of respondents planned to move during retirement, according to a 2021 survey by Age Wave.

Some 400,000 retirees moved in 2020, according to another survey — the highest figure in five years. Most moved within their own state, though 38% chose a destination that was further away.

Some consider taking extended trips to places where they might one day retire, as a kind of dress rehearsal. Before you consider moving, however, focus in on the

quality-of-life issues that mean the most according to a number of surveys: safe neighborhoods, health care, amenities, transportation and supportive services.

MOST POPULAR PLACES In a 2022 survey by RetirementLiving, the top 10 states for retirement based on affordability, quality of life, healthcare and retirement living were 1. Florida; 2.

New Hampshire; 3. Arizona; 4. North Carolina; 5. Alaska; 6. Texas; 7. South Dakota; 8. Washington; 9. Nebraska; and 10. Alabama.

Many choose a new home based on taxation, including those who move to Florida — where there is no state income tax. More than 30 states have neither an estate tax or an inheritance tax.

WORST PLACES TO RETIRE In the same survey, the 10 worst states for retirement, again based on affordability, quality of life, healthcare and retirement living, were 1. Illinois; 2. New Jersey; 3.

Connecticut; 4. California; 5. New Mexico; 6. Indiana; 7. Nevada; 8. New York; 9.

Michigan; and 10. Colorado.

A new AARP survey reports that a growing number of retirees are opting to live in college towns. From university facilities like libraries to an affordable combination of sports events, living close to a college provides a number of built-in amenities. Retirees can also take an array of continuing education classes to learn a new language or kick start hobbies like art or cooking.◆

JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B15

How to 'age in place' Some of us have already found our forever homes.

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eeking independence, even later in life? Changes can be made now to ensure that you’ll always remain in the place where you’ve lived and loved.

WHAT DOES IT MEAN? The U.S. Centers for Disease Control and Prevention defines “aging in place” as living in “one’s own home and community safely, independently and comfortably, regardless of age, income or ability level.”

If you want to extend your independence, rather than moving in with family members or shifting to a care facility, you’ll need to ready the house now with senior-focused remodeling projects meant to ease the worries that accompany growing older.

The National Association of Home Builders recommend that you focus on the kitchen and laundry areas, the general floor plan, exterior of the home and the bathroom.

KITCHEN AND LAUNDRY Consider installing pull-down shelving in the easiest-to-reach upper cabinets in your home, in order to make food, dishes and other stored goods more accessible as you age. Roll-out trays or a Lazy Susan should also be placed in base cabinets. Sideby-side refrigerators limit the amount of bending that must be done when retrieving things. Place the microwave at or below counter height to minimizes bending and reaching above your shoulders. The washing machine and dryer should be raised 12 to 15 inches above the floor and should be front loading, with easy to read controls.

EXTERIOR IDEAS Switch to low-maintenance siding, which doesn’t require the same kind of regular attention as natural woods like cedar. Shift your outdoor plantings to shrubs and bushes that do not need continual pruning or shaping, rather than flowering options. Natural landscaping can limit, or even eliminate the need for regular lawn care. If you’re downsizing anyway, consider one-story homes in order to avoid using stairs in your daily

activities. Brick homes are also very low maintenance.

BATHROOM PROJECTS Surveys say almost 90% of seniors want to remain at home as they age.

Unfortunately, the bathroom can become one of the most dangerous places in the home. Install additional bracing and handle bars around the shower, toilet and tub. Consider purchasing a shower seat, to limit the amount of time standing. Replace the toilet with a height-adjustable model, or the taller versions that make sitting and standing easier. Proof the area against falling with rubber matting in the shower, and bathroom flooring that’s slip resistant.

ADDITIONAL ADAPTATIONS Other adaptations may be necessary if seniors want to stay in their homes, particularly in older homes that have not recently been renovated. These include: changing knobs to levers; creating zerothreshold entryways; clearing clutter and moving obstructions; installing motionactivated or darkness-activated lighting switches and fixtures that can automatically turn on lights, thereby improving visibility; and if you live in a two-story home, consider investing in a stairlift These suggestions are just a few of the many home modifications that can help seniors safely age in place.◆

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PAGE B16 • PRIME TIMES • TBR NEWS MEDIA • JULY 21, 2022

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Celebrate St. James Presents

Events Mark Twain Show Saturday | July 30 | 7:00 PM A show incorporating the writings of Mark Twain, performed by Impersonator Rob Alvey

Art Exhibit - National Rose Month Now Until July 26 Open Tuesday-Thursday, Saturday & Sunday from 10:00AM -4:00PM Virtual Book Club Tuesday | July 26 | 7:30 PM One Italian Summer by Rebecca Serle Tuesday |August 23 | 7:30 PM Lincoln Highway by Amor Towles Fran Capo - Love Laughter and Light Friday| September 9 | 7:30 PM Fran Capo is a motivational keynote speaker, comedian, voice-over artist and author. As seen on her TED Talk "A Word Record Mindset"

Summer Concert Series The John Fogerty Tribute Project Sunday | July 24 | 6:00PM (music of Creedence Clearwater Revival)

The Precisions Sunday | August 7 | 6:00PM (the Linda Ronstadt Songbook & Vintage Rock)

SouthBound Sunday | August 21 | 6:00PM (country music & line dancing)

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fiftieth birthday is often characterized as a milestone moment. Despite that reputation, upon crossing the half-century threshold, individuals typically don’t feel that much different than they did when they were still a fun-loving 49-year-old. Though there might not be much to distinguish a 49-year-old from a 50-year-old, a fiftieth birthday is a good time reassess certain parts of life, including finances.

Conventional financial wisdom has long suggested reducing risk as retirement age draws closer. But a 2021 survey from American Advisors Group found that 18 percent of respondents indicated their intention to work past the age of 70, while another 12 percent indicated they have no plans to ever stop working full-time.

Conventional financial wisdom rooted in retiring around the age of 65 may not apply to individuals who intend to work well past that age. That means recently minted fiftysomethings could benefit from adopting a new perspective on managing their money after they reach 50.

Work with a fiduciary Fiduciaries differ from other financial advisors in a significant way. According to Investopedia, fiduciaries are legally bound to put their client’s best interests ahead of their own. Working with a fiduciary can provide peace of mind for individuals who want to know the person they’re trusting to guide their financial decisions is working on their behalf. That peace of mind can be especially valuable for individuals over 50 who don’t have as much time to make up for financial losses as younger people.

Investopedia notes that some brokerage firms do not want or allow their brokers to be fiduciaries, so investors should

make sure they’re aware of the legal responsibilities of anyone they trust to manage their money.

Monitor the progress of your retirement accounts Tracking the performance of retirement accounts like a 401(k) and IRA takes on more significance after 50, even for individuals who don’t see themselves retiring anytime soon. Monitor how particular investments are performing and reallocate funds if certain ones have not performed well in some time. Most investments will go up and down, but people over 50 can monitor performance more closely than they used to so they get an idea of which ones are working for them and which could be compromising their ability to enjoy financial flexibility in the decades to come.

Resist the temptation to avoid stocks entirely A recent study published in the medical journal The Lancet found that life expectancy, which has increased dramatically across the globe since 1900, is expected to continue increasing in developed countries in the decades to come. That means people won’t only be working longer, but living longer as well.

Investors 50 and over can prepare for that longer life expectancy by utilizing the growth potential of stocks even after they hit the half century mark. Limiting exposure to risk after 50 is still important, but avoiding investment risks entirely could lead to a financial shortfall down the road.

Managing a portfolio after 50 requires careful consideration of various factors.

Deft management of an investment portfolio after 50 can ensure investors don’t outlive their money.◆

PRIME TIMES | Health JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B17

Living at home with Parkinson's disease E ach year, more than 60,000 people in the U.S. find out they have Parkinson’s disease, a chronic, progressive brain disorder that causes uncontrollable body movements, muscle stiffness and balance problems. Speech may be slow and expressionless, and personality changes also are common.

Parkinson’s is diagnosed based on the person’s health history and a physical examination. Blood tests and other laboratory tests are only useful to rule out other conditions. The National Institutes of Health reports that diagnosis is often confirmed when a patient experiences improvement after taking medications prescribed for Parkinson’s.

Beyond medication, other treatments include surgically implanted deep brain stimulators to improve symptoms; physical, occupational and speech therapy; and changes in diet and exercise.

“When Parkinson’s disease is diagnosed in a loved one, early planning is important,” says Gregg Balbera, President of Right at Home Nassau Suffolk. “While some people with Parkinson’s will experience only minor motor disruptions, others will eventually

need full-time care support.”

Balbera says that as the disease progresses, moving to an assisted living or other supported living facility sometimes is the best choice; however, many people with Parkinson’s prefer to stay in their own home, or that of a loved one, for as long as possible.

“Before making that decision, family should assess the suitability of the home,” says Balbera. “Is single-story living possible?

Could modifications make the home more accessible? Modifications range from simple and inexpensive — for example, a raised toilet seat and handrails — to more extensive

remodeling, such as enlarged doorways, a walk-in shower and safer flooring.”

Next, consider the care assistance your loved one could need as the disease progresses.

“The person’s spouse, adult children or other loved ones could provide care,” notes Balbera. “But as your loved one’s needs change, this could become a more difficult challenge. Many families hire professional in-home care to allow their loved one to stay safe at home longer.”

In-home care can help with care coordination and transportation, medication reminders, meal preparation and assistance, fall prevention and safety precautions in the home and out, assistance with personal care, companionship and communication, supervision for exercise and support for family caregivers.

“When family caregivers try to provide all their loved one’s care on their own, they are at risk of caregiver burnout and a decline in their own health,” says Balbera.

“Bringing in professional care lowers their stress and allows them to spend their time with their loved one doing things they all enjoy.”◆

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PRIME TIMES | Lifestyle JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B19

Maintaining a culture of wellness built on mind, body, and spirit

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ealthy aging is about more than just physical health; research continues to show that focusing on psychological and social well-being is just as important as physical well-being.

A comprehensive study by the National Institute on Aging BY JOANNE LEHMANN (NIA) revealed that poor mental health, sensory function, and lack of social engagement are markers for future health problems. In contrast, seniors who engage in mental stimulation, physical activity, and social engagement create a healthy aging environment. To focus on healthy aging and maintain a high quality of life into your senior years, consider a more holistic approach to health that is made up of daily habits that have a positive impact over time.

Look to the seven dimensions of wellness, developed and incorporated at Jefferson’s Ferry Senior Life Plan Community, for inspiration on where to start building healthy daily habits.

The seven dimensions of wellness include beneficial practices like engaging in physical activity, socializing, fostering a spiritual connection, intellectual stimulation, emotional well-being, and vocational wellness that help harnesses interests to improve overall health as you age.

Physical wellness

Physical activity is the cornerstone of healthy aging. Research shows that physical activity can prevent or delay many health problems with age, improve muscle function, improve cognitive function, decrease depression and anxiety, and help improve sleep. Seniors are recommended to engage in moderate exercise for at least 150 minutes a week, or more intense exercise for 75 minutes a week, perform activities that strengthen muscles twice a week and work on balance three days a week. Some of the best activities seniors can engage in for physical health are walking, biking, dancing, yoga, and tai chi. Choose an activity you want to do, not feel like you have to, and committing will feel much more manageable!

Emotional Wellness

Being aware of emotions and how to express them are the foundations of emotional wellness accurately. Seniors who have established ways to handle stable emotions are more likely to cope with their stress healthily, manage their feelings, and maintain a positive outlook on life. Some of the challenges that come with aging, such as the death of a loved one, retirement, or serious illnesses, can make it difficult to maintain emotional wellness later in life leading to depression, anxiety, and other emotional conditions.

Ensuring a solid foundation of emotional health can help seniors maintain a healthy outlook on life. Relieving stress, establishing boundaries, being mindful, coping with loss, and self-acceptance are ways seniors can remain happy, grounded, and balanced.

Vocational Wellness

Vocational wellness makes the most of individual strengths, talents, skills, and unique experiences. Older adults can continue to stay engaged and practice vocational wellness by using the skills and talents they have acquired throughout their lifetime to contribute to society as a mentor, teacher, or volunteer. Neighbors, friends, and family can benefit from the years of experience seniors have acquired in their vocation, while seniors benefit from the positive experience of serving others while staying connected to the talents they have developed over their years.

Environmental Wellness

Being outside in nature helps people relax and boosts feelings of happiness - this is especially important for seniors. Research has shown that being in green outdoor spaces has the potential to have a direct impact on the health and well-being of seniors; they enjoy increased feelings of connectedness and renewal. Start your day with a 15-minute walk outdoors in the sunshine to increase vitamin D levels and boost your energy, or spend time in a garden growing flowers or fresh food. Spending a little time in nature every day can have a significant impact on overall wellness.

Social Wellness

According to NIA, socialization can help seniors from falling into depression, the likelihood of which can increase

as people age. Studies have also shown that socialization among seniors can boost cognitive abilities and fight against Alzheimer’s and other types of dementia.

Maintaining healthy social relationships is critical to aging well — keeping in contact with friends and loved ones, volunteering in your community, engaging in group fitness classes, or continuing education are all ways to foster social wellness.

Spiritual Wellness

An active spiritual life can lead to an established sense of purpose. A welcoming spiritual community can also provide an outlet for social connection. Senior spirituality can also allow you to share your life experiences and help serve as a guide for younger people on their spiritual journey.

This connection and sense of meaning can relieve anxiety, lower blood pressure and improve overall heart health.

Intellectual Wellness

There is always more to learn and experience! Keeping your mind active while learning and growing as you age keeps your cognitive skills sharp and helps you feel connected to your surroundings.

Cultivating intellectual wellness is a lifelong pursuit and challenges you to seek new ways to challenge and stimulate your mind.

If there is a subject you’ve always wanted to learn about, enroll in a class or check out some books from the library. Start a new hobby that requires learning a new skill, listen to podcasts, or take virtual tours of places you’d like to visit — the bottom line is never stop learning.

According to the National Institute of Health (NIH), the environment in which seniors live and thrive plays a pivotal role in overall healthy aging. Jefferson’s Ferry Life Plan Community offers a culture that fosters the dimensions of healthy aging. When seniors embrace wellness of the mind, body, and spirit, they can increase their quality of life and age in a healthy way.◆ Author Joanne Lehmann, LPN is the Health and Wellness Program Manager for the Independent Living Residents at Jefferson’s Ferry in South Setauket. She encourages concepts of health and wellness throughout the community and creates informative and interactive programs based on the seven dimensions of wellness.

Lehmann has worked as a nurse in senior living on Long Island for 27 years.

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9 ways to stay active this summer

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eniors may have more time for leisure and recreation than working adults, and the summer months provide ample opportunities to get active.

The U.S. Centers for Disease Control and Prevention recommends that adults age 65 and older get at least 150 minutes of moderate-intensity aerobic activity each week. There are plenty of ways for active seniors to meet this exercise goal and have some fun along the way. The following are some good starting points.

interests. Be a tourist for the day — even in an area with which you are familiar.

Visit your local chamber of commerce to plan your day.

Join or start a walking club.

Walking is a great way to stay in shape and work the mind as well. View new sights along the way by changing the route each time you go. Walking with friends can pass the time and provide the motivation to keep going.

Go fruit picking. Fruit picking is a great way to get out and get some fresh air while partaking in mild exercise. Take a ride out east along Route 25A and Sound Avenue to visit some u-pick farms offering raspberries, blackberries and more.

Catch a sporting event. Attending a sporting event can be an entertaining way to spend several hours, and that includes amateur and recreational sports.

Catch a grandchild’s swim meet or a baseball game for an action-packed way to connect with loved ones and get out.

Take a fishing charter. Casting a rod from a dock or pier is perfectly acceptable, but securing a spot on a fishing charter is a great way to spend hours out on the water enjoying the scenery and the sport of fishing. Plus, there’s the added benefit of enjoying the fruits of your labors by cooking the day’s catch for dinner once you arrive home.

Be a tourist. Many cities and towns have their own tourism boards and showcase interesting spots that have historical significance or appeal to other

Spend time swimming. Swimming is a low-impact activity that can work the body in many different ways. Devote time to doing a few laps in the pool. Or make a day of going to a lake or another body of water to wade out and enjoy some strokes in nature. Stick to swimming areas that are monitored by lifeguards for optimal safety.

Visit a museum. Museums often offer senior discounts, so why not take advantage of the cheaper rate, especially if it’s someplace you’ve never visited?

Long Island is home to many amazing museums, from art to history to science.

There are so many places to check out!

Visit a farmer’s market. The warm weather months are a peak time for outdoor activities, including farmer’s markets. Chances are you can find a farmer’s market nearby most days of the week, but especially on the weekend. Try a new recipe with the produce you buy.

Enjoy a fair or concert. A community fair or local outdoor concert is a great way to get out and walk, play games of chance or enjoy some live entertainment. (Check out TBR News Media's weekly community calendar for local events).◆

JULY 21, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE B21

How to find the perfect vacation rental

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ummer is in full swing on Long Island but there's still plenty of opportunity to go on vacation.

Vacations present an opportunity to get away from the hustle and bustle of daily life, often recharging mind and body in the process. In fact, using vacation time can reduce stress and improve overall health.

While there is a certain measure of work that goes into vacation planning, and for some it can be stressful to coordinate all of the details, vacationing benefits tend to exceed the hassle of planning. Anxiety can be avoided or at least reduced by finding optimal accommodations. For many, that includes a vacation home rental.

Why a vacation rental?

There are many different accommodations available for week-long getaways or shorter excursions. Oftentimes vacationers prefer a little more space than a standard hotel room can provide. A vacation home rental can be the type of place that prioritizes space and distance from others — something that has became even more valuable during the global pandemic.

Another advantage to a vacation rental is the ability to prepare some or all of the meals on the property. That can help corral expenses normally reserved for dining out for three meals a day. Instead, vacationers can pick one or more opportunities for special meals at restaurants and then cook “at home” for the remainder.

Do your research

Travelers accustomed to staying in chain hotels and other resorts likely know what they are getting from the accommodations.

That’s because these properties pride themselves on consistency. Whether you stay at a Marriott or Hyatt in one place or another, you’ll find similar furnishings, space and offerings.

When it comes to vacation rentals, things are a little less predictable. However, scouring reviews on sites that advertise vacation rentals, or relying on the experiences of people you know increases the likelihood that you’ll find unique and satisfying vacation rentals.

Prioritize needs and wants

Vacation rentals can be narrowed down by your desired amenities and features. For example, you can search by the number of bedrooms or for rentals that are petfriendly if you’re bringing a companion animal along. Maybe you need a property that is close to transportation or has shopping nearby? Make a list of desired items and then choose properties that check most, if not all, of those boxes.

Verify allowances

A beachfront or lakefront property commands a premium price, as do rentals that are adjacent to specific points of interest or in major cities. If you’re willing to stay further away, you likely can save a considerable amount of money. Investigate parking options, public transportation or if beach towns allow golf cart rentals to make reaching amenities easier.

Check all rental policies

Read through rental agreements before diving in. Items to look at include cancellation policies and whether or not penalties will be charged. Some rentals pass cleaning fees on to the renters or require deposits that will be returned only if there is no damage to the property.

Ask for the exact address

Rental property advertisements post the best angles in photos to help disguise any shortcomings. Close-ups of the home may not showcase the neighborhood in which

it's located. By having the exact address in advance, you can do a street view on Google, Apple or another online map and see what is around the property — including how close it really is to amenities.

“Near the beach” can be anything from one street to a few miles away.

Consider exemplary hosts

Services like Airbnb and VRBO are two of the leading vacation home rental businesses. Airbnb has a category of Superhosts, who must boast at least a 4.8 rating to qualify. Superhosts tend to provide superior hospitality and respond to messages quite readily.

Similarly, VRBO has Premier Hosts.

They also consistently provide great experiences for guests. Choosing hosts with these ratings can help you feel more confident that you’ll be getting a desirable rental. Vacation home rentals often are a good option when spending time away. It’s easier than ever to find properties that will meet travelers’ needs.◆

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