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contents AFTER 50 2017 VOLUME 2








Retire to Adventure

The Legacy at Cimarron





Memories of Nana in Niagara Falls

You Can’t Spell Advantage Without Age



Here and Now





Baby Boomers and Hepatitis C

Irrevocable Life Insurance Trust

Your Younger Years are Here





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You were RIGHT! There are few things in life more satisfying than being told you’re right, especially after decades of being questioned and denied. When all of those life lessons you’ve covertly ingrained in your children begin to manifest themselves and they begin to take notice, you know you’ve done well in your job as a parent/grandparent/aunt/uncle.

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NOT LIMITING IT TO THE BEDROOM Remember all those times you couldn’t get frisky in the kitchen? Who’s there to catch you now? Go ahead and do it, in full daylight if you feel so inclined to. Don’t inhibit your urges if you don’t have to.

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ur readers spoke and we listened. Our first print of The City After 50 was a huge success; we couldn’t keep them on newsstands. I guess we haven’t lost our minds after all, adding another publication to our list. I myself fall into the “Baby Boomer” category, so I hope that the new topics and stories we have added this time around will interest you as much as they have me. The second part of our life brings different obstacles, worries and pleasures. Though our millennial children might look at us at this stage, rolling their eyes, we admit that we look at life differently. No longer are we concerned with what others might think of us, but what we find more important is what we think of them. Even a walk through the park is different at this age. We can take a slower pace and literally smell the roses. When you read through the pages, I hope you are informed as well as amused. I’m sure you’ll get a laugh out of Marie Moore’s article on senior drivers (page 36), I know that I related to it. Our fashion article (on page 72) will also bring quite the giggles, but behind the humor is always a bit of truth. With fashion being a big part of women’s lives, there’s no reason for us not to age gracefully. Let’s be honest, we’re not 35-years-old anymore, cycling for the perfect body. We should be flaunting the parts we still like, and the “ass-ets” we are no longer proud of, we gracefully conceal. If there is one lesson we should agree on, it’s that the length of our dresses should be coming down as we figure out how to keep everything else up. 12

On some more serious subjects, The Hospitals of Providence is introducing a new Liver Disease Center. Many of us have put our liver through hardships and it could potentially be taking a toll on our bodies. With this new medical care option in our city, we’ll be able to manage and possibly prevent more liver damage. We also help educate you in planning your affairs as you age in order to alleviate the burden placed on grieving loved ones (page 84). Life can be unpredictable and it’s better to be prepared. I sincerely hope that you turn these pages and find things that you can relate to. It’s still as exciting as ever to be a Baby Boomer. Cheers!


Book Review | By: KRYSTA AYERS |

Whether you’re still working on your business, taking lighter work loads or just retired, more free time calls for a good book. So many scientists have written about the benefits of reading a book (I.e. helps to relax and may stave off Alzheimer’s disease) so why not do your body good? Here are some books to get your mind going. “The Girls of Atomic City” by Denise Kiernan This is the true story of the women unknowingly sent to help build the atomic bomb. Taking place in the topsecret town of Oak Ridge, Tennessee, this is an incredible account of a paramount time in history. As civilians flocked to this burgeoning city, with a population of 75,000, looking for work, they had no idea that they were producing parts for the atomic bomb. Read Kiernan’s words as she draws from the accounts of the women who worked on this secret project. “A Man Called Ove” by Fredrik Backman This book has been on everyone’s “must-read” list and there’s a good reason why. Backman, one of Sweden’s most successful authors, writes beautifully of an old, grumpy man whose life changes when a young noisy family moves in next door. Reminiscent of the loveable cartoon movie, “Up,” Ove’s cranky exterior is melted by the unexpected friendship of the new family. This is a feel-good novel you won’t want to put down.

“Let’s Explore Diabetes With Owls” by David Sedaris Everyone needs some humor in their life. Sedaris’ book of essays will have you laughing out loud and wondering how he gets himself into certain predicaments. With wit and intelligence, the stories will give you a glimpse into Sedaris’ life and musings and you’ll get to laugh the entire time. Who doesn’t appreciate some good humor? “The Alchemist” by Pablo Coelho If you’ve read this classic before, it’s time to revisit it. At a new point in your life, the book might bring out different perspectives or you might even understand or notice something that you didn’t before. Follow the main character, Santiago, as he travels from his hometown in Spain to the Egyptian pyramids in search of treasure. Along his way, not knowing what the treasure actually is, he meets key people. The story of Santiago is a testament to our realizing dreams and following our hearts.



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eniors can be adding years to their life. Dr. David Lipschitz agrees, claiming seniors who travel live longer. Most working Americans are restricted yearly to a two-week vacation time; on the other hand, retired seniors have more flexibility and the availability to travel. With much to look forward to in the golden years, wrinkles and gray hair can serve to be particularly rewarding when it comes to snagging good deals, but it’s important to do your homework.

Lenore Kobren, a Signature Travel Expert with Sun Travel, Inc. in El Paso, says there are special packages geared towards retirees. For example, major cruise lines such as Norwegian, Princess, Royal Caribbean and Celebrity, will often ask her if any seniors are traveling and will offer a discount to individuals 55 years-old and over. She says most companies do their best to accommodate seniors, especially those with disabilities. Kobren recommends a river cruise for older folks, yet says it’s still important to keep in mind that quite a bit of walking is often involved. If this type of activity floats your boat, pack light. Think ahead and prepare yourself with essentials such as comfortable shoes and clothes. Stocking up on medications, as well as leaving them in their original bottles, is also a good idea.





Retire to Adventure

Companies such as “G Adventures” claims to save travelers up to 30-percent on river cruising and 25-percent on select expedition tours. Traveling in smaller groups usually is a better bargain. For the younger and more adventurous crowd, Kobren



suggests sticking to backroads and activities such as bike riding and hiking. If that seems like a better fit, “Backroads” is another popular travel company that can help with planning a fun bike tour or walking and hiking tour.


Like Kobren, Jeff Keckley also prides himself in helping clients find their area of interests and a good fit when it comes to vacationing. Keckley owns Travel Del Sol on the westside of El Paso and says, in actuality, for a new traveler it can take about two, three hours in just talking to them in order to lay out options that will hopefully help them narrow down their destination. For example, he says he often finds himself trying to balance out activities among spouses. According to Keckley, it really just depends what each individual’s goals are. While on vacation himself, Keckley says he once crossed paths with a 101-year-old man who spent months on cruises with the mere goal of striving to dance with every woman aboard. Keckley believes older travelers might not think they can do a lot, but simply the change of scene can become the adventure they set out to find. While many retirees have a more flexible and open schedule, shooting for shoulder season has many benefits. Traveling in April through mid-June, or September and October, are typically cheaper

and mean smaller crowds and nicer weather. Just remember to dress accordingly and look into indoor activities should you be faced with windy or rainy weather. claims traveling via train and is on the rise again across America is a great way to tour new attractions. It is often cheaper for the general public and senior discounts are usually offered. For instance, Amtrak offers travelers 62 years of age and over 15-percent off most fares. Amtrak trains also allow up to four 50-pound bags for free (two-carry-on, two checked). You can’t beat that with an airline! gives lots of tips for traveling seniors and encourages taking advantage of AARP programs. According to the website, AARP members “have access to savings and discounts on all types of travel, including cruises, car rentals, vacation packages, hotels and even activity and restaurant discounts.” A number of discounts, even special limited-time offers, can be found in the discounts section of Be advised to double19

Retire to Adventure


check AARP rates with all other discounts in order to save the most cash. Seniors should also consider obtaining travel insurance. This additional fee might seem unnecessary, but could save you a fortune should you get sick or be faced with a medical emergency in another city or country. Travel insurance can also work in your favor if you need to cancel last minute or provide replacement value on lost luggage. Before traveling, seniors should consult their doctors and have their approval, especially for someone with a chronic condition. Despite older bones and the aches and pains that come with the years, it is never too late to enjoy life to the fullest. While a number of companies offer exceptional services to seniors, it is important to be informed in order to avoid steep costs that can add up quickly. 20




TECH TIPS Android VS. Apple Phones




Tech Tip s: Android vs. Apple

Android Apple USERS:

There are a few ways to simplify your home screen on your phone. One option is to hide apps that you don’t use. Most smartphones come with multiple stock applications already installed on the home screen, many of which go unused by users. Hide apps from the ‘device’ tab in your settings by finding the application in the menu and tapping “disable.” Another option is to download a simplified “launcher” for your phone. Apps such as Wiser will declutter your home screen and can provide a new, easy-to-operate home screen with large and simple icons for your phone’s most basic features. Once you download a simplified launcher from the Google Play Store, simply open the application on your home screen and select the “always” option in the menu to set it as your “Home app.” Increase font size - One of the most common complaints from smartphone owners is the small, difficult to read font. Find the option to increase the font size in the ‘display’ menu of your settings. It is set to ‘normal’ by default, but you can choose ‘large’ or ‘huge’ if you desire. Make the keyboard more user-friendly The virtual keyboard can be difficult to type on. Go into the “language” menu in your settings app to disable many unnecessary features that can overcomplicate the keyboard, such as voice-input and word suggestions. Flashlight - In order to use the flashlight on your Android device, you will have to download any of the numerous flashlight apps from the google play store. Simply search “flashlight” and select an app to download it to your phone.


Increase font size - The text on iPhones can be small and hard to read. Increase the font size in your general settings app under the “accessibility” menu. LED Alerts - For those who are hard of hearing, having an LED flash for alerts is a good option to keep from missing calls and notifications. Turn this feature on under the “accessibility” menu in your general settings app. Turn your brightness up - If your iPhone’s screen is too dim, simply slide up with one finger from the bottom of the screen to access a control panel with some easily accessible settings. The slider at the top of this panel controls your phone screen’s brightness. Slide it right or left to increase or decrease Flashlight - Need a flashlight? Slide a finger up from the bottom of your screen to access this control panel. The button in the bottom left corner will turn your phone’s flashlight on or off. Multitasking - Quickly double-tap your home button to bring up the multitasking menu. Here you can quickly move between recently opened apps without having to close out of the current app you are in. Magnifier – Under the “accessibility” menu within the general settings of your phone is a little known feature called Magnifier. Turn this on and triple-click the home button to access the Magnifier. This allows you to use your phone like a magnifying glass by providing an easy to use camera with an emphasized zoom-in slider. 23

Finding Joy 2017



p P 2017

f i n d i n g j oy

ut down your phones, step away from the computer screen, turn off the video game and remove those earbuds. Click off the power button on all your remote controls and unplug. Disconnect. Work with me people, we’re just getting started! Forget about the bills, the housework, the groceries and your job. Dismiss the thought that there are a million things to do, to think about doing or to just think about.

a warm and genuine smile. Let joy remind you of all the reasons why life is good. Want to feel even better? Share joy with someone else. Volunteer to feed the hungry, take your favorite book to a hospital and read it to someone who’s too sick to do it themselves. Have you helped out at an animal rescue shelter? Have you taken an older neighbor grocery shopping? Have you called a friend who’s going through a tough time and just listened?

Take off your glasses, close your eyes and focus your mind. Try to visualize every line on your face and then, one by one, imagine them melting away. Let your forehead droop and your mouth pout. Unsquint your eyes. Drop your shoulders. Hear nothing but your heart beat and your breath as you breathe deeply. Breathe it in. Take your time. Fill your lungs slowly and steadily until new air saturates every single centimeter of space. Now, get ready for the best part. This is when you find joy. What makes you happy? Ice cream cones enjoyed on a sunny walk through the park or savory salsa with queso and chips? Is it the smell of a new-born baby or the leather interior in your new car? Is it the sound of waves hitting the beach or the guitar riff that shivers through Keith Urban’s fingers? I love the tickling sensation I feel on my leg when I come home and my cat lets me know how much she missed me, but even that pales in comparison to two little arms wrapped tight around me and my grandson’s voice telling me he loves me.

Real joy also comes from giving. You can’t buy it for any price but you can grow it for free. Life, after all, should be meaningful. It should be cherished and cultivated. Life should be joyful. The next time you get lost in the flow of modern times, remember to get back to the things that really matter. Find what brings you joy, coax it out of the corner, bring it to the center of your life and build your days around it. Have a joyful day!

So, search through your list and find joy. Let it bubble up inside you and turn that pouty mouth into 25


Baby Boomers & Hepatitis C | By: DR. NEHA SHARMA |




aby boomers, have you been tested for Hepatitis C? If not, the Centers for Disease Control and Prevention recommends that you get tested now.

Hepatitis C is an infection caused by the Hepatitis C virus that attacks the liver and leads to inflammation.

Unfortunately, many baby boomers got infected before the complications and details of Hepatitis were extensively studied. Today, the disease is well understood and treatment has evolved immensely. Most infected people develop a chronic infection. The disease process can be slow and insidious so decades may pass without any noticeable symptoms. Symptoms, if present, include: fatigue, muscle aches, unexplained itching, easy bruising and light colored stools. The advanced form of the disease manifests itself as: mental status changes, abdominal swelling, vomiting blood or dark tarry stools.

According to the CDC, 3.2 million people in the United States currently have Hepatitis C. Baby boomers are five times more likely to have Hepatitis C than any other adults. It is estimated that three quarters of all Hepatitis C infections occur in baby boomers and most of them don’t know it because they don’t experience symptoms. An infected person may unknowingly pass the infection to another person through multiple processes such as: contact with infected blood or the sharing of needles, the infection can be transmitted from mother to baby during childbirth and, although rare, Hepatitis C can also be transmitted through sexual intercourse. The risk is higher if you have had multiple sexual partners, used illegal drugs, or had a blood transfusion before 1992. The reason behind baby boomers—people born between 1945-1965—having high rates of Hepatitis C is not completely understood. It is possible that a lack of universal precautions and infection control procedures at that time may have played a part. Others could have gotten infected through contaminated blood and blood products before widespread screening eliminated the virus from blood supply in 1992.

Screening all baby boomers, by performing a simple blood test, enables physicians to identify and treat more patients in the early stages of the disease process. This also leads to less complications and reduces the cost of treatment. Talking to your health care provider is the first step to treatment. Since testing is simple, timely intervention can prevent complications. The two most common complications of Hepatitis C are liver cancer and liver cirrhosis. Treatment of Hepatitis C focuses on elimination of the virus and preventing progression to cirrhosis and cancer, and thus preventing the need for liver transplantation and reducing health care costs. If you are a baby boomer, talk to your doctor about Hepatitis C today!


The Next


n El Paso’s very family-oriented community, a tiny home may be the answer for anyone looking to keep retired parents, or in-laws, closer to the family. Existing around eight by twenty feet, tiny homes have made a big impact in backyards across the country. In hopes of keeping family close to home, parents or in-laws can easily inhabit a tiny home and have everything they’d ever need all wrapped up in your backyard. Tiny homes are a great option for placing your older kin. This is not uncommon since, 28


according to The Tiny Life, two out of five owners of tiny homes are over the age of 50. For those retirees, it’s ideal to consider downsizing. You’ve occupied all the storage space you once needed for memories and keepsakes, but you no longer have use for the extra space and empty bedrooms. Plus, living in a larger home hikes the cost of bills and maintenance around the house. Yet, there still might be some hesitation since the idea of moving comes with its own set of hefty expenses. Luckily, your new




retreat can be found in a simple pint-sized property in the backyard of your closest family. The cost to build a tiny home isn’t too farfetched. The average cost of a tiny home runs around $23,000 as compared to the amount you’d pay for a regular home on the market which could run into the hundreds of thousands. In El Paso, you can find a ready to move in tiny home at a beginning price of $21,900 at New Start Homes. Other options for tiny living can be found in a container homes. The local manufacture, Atomic

Container Homes, sells these industrial style homes for around $40,000. Testing the minimalist in everyone, tiny homes accommodate only the necessities; seldom exceeding 500 square feet. Sometimes tiny homes are used for travel and can be accessible on wheels like some container homes. Other times, they find ground in the backyards of relatives or in an empty lot that is purchased or rented by the tiny home owner. 29


If you’re interested in making the move, there are a few rules and regulations you should be aware of. The top of the list are zoning laws. Zoning covers where your tiny home can be located. These laws are implemented to protect health, safety, and your general welfare. Zoning can even allow small secondary homes on a lot, known as accessory dwelling units or ADU. In El Paso, proposals to build or own an ADU needs to be addressed. Outlining the structure, floor plans, and more must be submitted to the city. Typically, ADUs in El Paso should be in the back or the side of an existing home and maintain more than 30

five feet away distance. Only one ADU is allowed on a lot in El Paso. The ADU should not exceed more than 800 square feet and should not have more than one bedroom. Windows need to be placed in a specific place depending on the property line, among other rules that are applied. While this sounds like strict list, prospective owners still have the ability to buy pre-made homes that fit their personal style, or even customize the build themselves. If you’re interested in taking on the trend of tiny house living, or container homes, more information about zoning in the city of El Paso can be found online at under the planning and inspection tab.


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tFor y

n ee T 2017

he secret is out. El Paso native Sarina Brown launched her new lifestyle book “FortyTeen: The Secrets of Eternal Youth,” that will rejuvenate your mind, body and spirit. The book covers natural and holistic ways to be like the teenager you once were, without losing the confidence, wisdom, and poise that comes with age and experience. Using her own anecdotes and experiences, FortyTeen is a comical, yet informational, book that leads readers into their own transformational journey. It offers an array of ways to unlock the “fountain of youth.” Sarina divides her book into three topics—mind, body and spirit. Sarina suggests that keeping your mind sharp is critical. She talks about the neural pathways, thoughts and language patterns that can determine your youthfulness. Sarina studied teens in an informal-sociological experiment to providing these tips that will get you feeling younger by the minute.

Focused towards anyone in their late thirties to late sixties, Sarina suggests a healthy and nutritious lifestyle along

with tips on staying fit, maintaining ones skin-care and sexual health to achieve caring for your body. Sarina concludes her book by addressing the spiritual aspects of retaining energy and one’s own life force. She calls it the “Fortyteen Spirit,” in which you should have a young and positive outlook on life. Certain practices such as meditation, timeliness and being present in the moment are helpful ways to satisfy the spirit.

If there’s one thing Sarina hopes reader’s takeaway it is this, “They do not need to submit to the idea of aging. They can fight it. They have the power to change their own destiny in regard to feeling healthy, happy and youthful.” Join the FortyTeen movement in this insightful and informational book that will help you begin feeling refreshed and new. You can meet Sarina sometime in El Paso when she hosts a book signing for the Sun City. For upcoming details and information on her visit, and to get your hands on FortyTeen go to 33

Pet 2017


Losing a




osing a pet is always traumatic, no matter what age we are. Personally though, I believe it’s harder for those of us over 50.

For starters, a lot of us are empty nesters. As much as I loved our wonderful dog, I remember how busy I was with my daughter when Noodles died. Rushing to Girl Guides and basketball occupied my thoughts and filled my heart. Distractions meant less time to dwell on it. In addition to emptier houses, older folks may be more socially isolated, retired and beyond the busy routine they once knew. Or, maybe they’ve lost a human friend, so losing a furry friend adds to the pain. Finally, I think we have a deeper appreciation for loyalty and true companionship after experiencing life lessons and having time to reflect on them. I spoke to Misty Solis, DVM at Crossroads Animal Hospital, about the difficult process involved with the final chapter in our pets’ lives … “We typically perform euthanasia at our clinic because we prefer to give the animal a sedative first. This allows them to fall asleep in minutes. The pet is calmer and less anxious which also allows the owner to witness how peaceful their pet has become.” Most veterinary clinics give pet parents the option to stay with their pet for the entire process, just until the animal is asleep, or not stay at all. Adding

a sedative before euthanasia costs extra (about $50), but as someone who just went through this, I believe it’s worth the expense. Some, like Crossroads, also offer at-home service, but require a pre-scheduled appointment to allow for the visit; at an additional fee. Costs for euthanasia range depending on the pet’s weight and the fee for cremation or remains disposal. “Some owners are more comforted by private cremation,” according to Dr. Solis. Vets can team up with the Humane Society (some fees stay behind to aid shelter animals) or a private company like Eternal Friends, who cremate one pet at a time and return their ashes in a memoriam tin. After a pet passes, you may even take them home for burial IF you live outside city limits. The city also provides burial services, for a fee. For me, having a paw print in plaster helped. Most reputable clinics offer this service. It’s also comforting to make a donation to Therapet Eldercare in memory of a beloved pet. This non-profit organization assists with pet health care for low-income seniors. Many elders feel they shouldn’t get another pet due to their own age, but Dr. Solis encourages them to try a pet that’s past its prime because older adults have the time, patience, and love to care for aging animals. They can also consider fostering pets for a local rescue group. This helps a homeless pet and provides extra love and furry cuddles for a lonely person who can’t make a long term commitment. 35


e M e v i r D Senior D rivers

IE | By: MAR




! y z a r CD 2017

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The Legacy at

imarron | By: MARGO LEPE photography by: JONATHAN WEINGERS |

pon entering The Legacy at Cimarron, it is evident this senior community prides itself on high standards. It doesn’t take long to soak in a feeling of excellence and innovation once you step foot inside. With a philosophy being “Each resident still has a purpose,” staff and employees work hard to keep residents connected to their community, while being enveloped with top notch comfort and convenience.


The Legacy at Cimarron is a new, rapidly growing area on the Northwest side of El Paso located at the foothills of the Franklin Mountains. With views of the mountains and valley, Robin Owen says this seemed like the best place to build a beautiful, new, innovative community. The Legacy shines bright at 6201 Northern Pass Dr., where it is close to the new hospital, shopping and several restaurants. Owen is the Community Relations Director at The Legacy at Cimarron, where she and the rest of her team strive to “improve lives, not just sustain them.”


T h e L e g a c y at C i m a r r o n




T h e L e g a c y at C i m a r r o n


T h e L e g a c y at C i m a r r o n






T h e L e g a c y at C i m a r r o n


T h e L e g a c y at C i m a r r o n

In hopes of “leading the way to the future of senior living,” President of LifeWell Senior Living Charles Turner states how vital it is to ensure that residents at The Legacy are not “simply living, but living in a place filled with opportunity.” Cuttingedge technology and an abundance of amenities enhance the concierge living offered to residents. Among those amenities include: a beauty/barber shop, movie theatre, courtyard with a putting green, sports lounge, fitness room, town hall, terrace and library. Because no two people are alike, it is clear this community has an incredible variety of things to do for all their residents. Daily movies in the theatre, exercise classes in the fitness room, card games in the sports lounge, art classes, music therapy, entertainment by outside musicians and outings are just some of those activities. Owen says a number of partnerships have also been created with several local schools to bring seniors and students together.


a.m., however if residents get there late, breakfast will still be provided. The team has dubbed it “anytime dining.” In addition to the three daily meals, snacks such as ice cream, candy or cookies are also available throughout the day at no charge from the Market Place.

As far as dining goes, The Legacy plans designated dining hours such as breakfast from 8:00-9:00 46


Once evaluated, a resident is selectively placed in personalized independent living, assisted living or memory care. The Legacy at Cimarron offers a total of 86 apartments—22 in Memory Care and the remaining 64 in Independent Living and Assisted Living. Owen says, regardless of ability every resident has a purpose; which ultimately comes from community. She says it is priority to ensure residents remain connected to their family, friends, each other, staff and the El Paso community. The culture at The Legacy is defined through its innovation, where personalized services, cutting-edge technology and the abundance of amenities are utilized to benefit the health, safety and well-being of their residents. Among the list of technological advancements, and what sets The Legacy apart from other communities, is the ability to allow staff and families to better monitor their loved one through CarePredict Tempo. Simply put, CarePredict Tempo is a wrist worn device that residents wear 24/7 that monitors the activities of daily living and the location of residents at The Legacy. Owen says the device alerts staff to changes

in residents’ normal behavior—such as not waking up at their typical time, eating less than usual, declines in social activity or restless sleep—that may be precursors to serious health concerns. The device also provides objective data to demonstrate the need to increase a resident’s level of care. According to Owen, CarePredict Tempo is going to change senior living. With it, The Legacy can provide real time information to families regarding their loved ones, answering many of their questions. It provides families with peace of mind and more importantly, peace of mind to the residents. Owen says they can feel confident that if they need help all they have to do is push the button on their CarePredict Tempo and an alert will be sent to staff who can respond immediately. Clearly, The Legacy has a lot to offer for those who call it their home. One’s ability or memory does not affect the joy brought to each senior living here. For them, the opportunities are plenty. You can see all The Legacy at Cimarron’s Concierge Senior Living has to offer by calling 915-706-2320 to request a tour. 47

T h e L e g a c y at C i m a r r o n




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Irrevocable Life Insurance Trust Kevin O’Neill is a Financial Investment Specialist

Financial Investment Specialist 5925 Silver Springs, Suite “B”

Life Insurance products can impact your Estate and Inheritance Tax | By: KEVIN O’NEILL |

If you or someone who wants to bequeath you their estate, dies with more than 5.34 million dollars of total accumulated assets, the payout will be affected by Estate and Inheritance Tax. Estate Tax is levied on the total value of a deceased person’s total assets and is paid out of the decedent’s assets BEFORE any distribution to beneficiaries occurs.

El Paso, Texas 79912 915-373-0989

Securities and advisory services offered through Cetera Advisors LLC. Member of FINRA/SIPC Cetera is under separate ownership from any other named entity. No system or financial planning strategy can guarantee future results.

On the receiving end, inheritance taxes are those paid by the beneficiary on the value of the gift they have inherited after the death of their benefactor. Neither Texas nor New Mexico have an Inheritance Tax, so in death-related issues, taxes are never owed to these states.

HOWEVER, there is a 40% federal tax on estates valued at more than 5.34 million dollars. That tax goes directly to the U.S. Treasury. As of 2016, ‘Turbo Tax 101’ listed six states where inheritance tax is imposed; Iowa, Kentucky, Nebraska, Maryland, New Jersey and Pennsylvania. So, assuming State taxes do not apply to our readers, there is still the matter of Federal Tax and those who expect to accumulate an estate worth more than 5.34 million dollars in total assets may want to consider using a life insurance trust product to provide the funding needed to pay the inevitable estate and inheritance taxes.




Financial Advisor Kevin O’Neill suggests “Irrevocable Life Insurance Trusts (ILIT’s) can provide a source of cash that may be used to pay Estate taxes on tricky, non-liquid assets such as property or a business. They can also be used to allow wealth to pass to future heirs.” Why is an ILIT an important consideration? Sometimes heirs lack immediate access to the cash they’ll need (Estate taxes are due nine months after inheritance) to cover these taxes. As a result, they may have to ignore a slump in the real estate market and hastily sell property. Or, they may incur penalties or suffer a loss when they cash out investments at an ill-advised time. An Irrevocable Life Insurance Trust can provide the cash they need and even better, if the trust is setup and administered correctly, the Death Benefit associated with this product is usually not considered taxable income by the IRS. However, establishing an ILIT is not a simple process. Both a Financial Advisor and legal professional should be consulted before any decisions are made. By its very definition, ‘Irrevocable’ means that once this type of product exists, it cannot be terminated and no one may withdraw the assets until the ‘grantor’ dies. The term ‘grantor’ refers to the owner of the Irrevocable Trust, who has purchased the life insurance policy. After the grantor dies, all proceeds distribute to beneficiaries named in the trust. Usually, a surviving spouse is first and it often isn’t until that spouse also dies that the other named beneficiaries benefit.

As with traditional wills, the grantor decides who, when and how their estate is distributed but it’s important that grantors AND beneficiaries fully comprehend the terms and goals of the policy, especially as they relate to Estate Planning.

“You can choose Term Life Insurance or Permanent Life Insurance (Whole Life or Universal Life) for your ILIT but Permanent Life is best because it lasts until you die, so you can never outlive it” adds O’Neill. “Making sure the insurance company is on solid ground is also critical as you may be entrusting your assets to them for a long time. “Another matter that demands careful attention is a well-chosen trustee who will administer the ILIT skillfully. “So, using Life Insurance as a tool for your Estate Planning goals is just one more reason to sit down with a Financial Consultant like myself and fully explore the many ways it can be utilized to benefit yourself, your family and loved ones.” {The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.}



Staying Ahead of the (Younger)

Power Curve | By: KRYSTA AYERS |


he atmosphere and dynamic of today’s workplace is completely different from 40 years ago. With the popularity of Apple, smart phones, laptops and apps, staying connected and keeping up with everything going on is a bit overwhelming. Another difference is that with more and more millennials entering the workforce, it seems the entire office has a short attention span. The productivity and focus therefore seem to bring more chaos into the office. There’s also the fact that too many sticky notes and cell phone reminders can often get jumbled up, lost, or scheduled wrong. Instead of making your life difficult, simplify it and focus your energy on more important things. There are several ways for you to keep on track and stay competitive with your younger coworkers. Here are a couple of apps to get you started.



Time Doctor Productivity is key when it comes to the work place. But how do we really know how much time is spent Facebook-ing and how much time is used for real work? Time Doctor is a great app for boosting employee effeciency. As a desktop app, it runs in the background, viewing every window you have open. Every now and then it’ll shoot you a friendly reminder to stay on task.

Asana This app can be used on your mobile and your desktop, making managing your work even more efficient. Asana makes it easy for a team or individual to reach their goals and cross things off their list. It reduces the need for multiple emails through team members and also breaks up goals into subtasks to make them easier to complete. If you’re ever overwhelmed with projects and tasks, this is the perfect app.


S t ay i n g A h e a d


Instapaper If you ever find yourself browsing the internet and finding an insightful article but then loose it ten minutes later, then Instapaper is a great friend to have. An app as well as a web browser add-on, you can easily clip whatever article or web page you’re on to save and read later. Everything you find on the web or on your phone can be saved safely onto this one app for you to recall and read later.



Buffer App

Google Drive

Let’s face it—every business nowadays has a social media account. You’re likely to be using social media yourself in order to keep up with the company and reach out to friends and family. If you’re already familiar with the social world on the web, you know that it can be overwhelming and time-consuming. With BufferApp you can schedule your social media posts and help boost company outreach.

Email, work on projects, and create your own documents all in one space. You can work with teams more efficiently and collaboratively— one less headache when working with younger generations who might be working at a faster pace. This is very user friendly and keeps everything tidy, unlike the pile of sticky notes on your desk.



Prostate Health Prudence is Pivotal | By: DR. NEHA SHARMA |




ptimal prostate health is extremely vital for baby boomers. The two most common disease processes that the baby boomers have to be cognizant about, are benign prostatic hyperplasia (BPH) and prostate cancer.

BPH is an age associated prostate gland enlargement in men. As the enlargement occurs, the prostate may constrict the flow of urine. Some of the most common symptoms of BPH include: urinary frequency, urinary urgency, frequent need to urinate at night, difficulty initiating the urinary stream, incomplete bladder emptying and straining. The diagnosis of BPH can often be suggested on the basis of the history alone. One of the main diagnostic modalities include the digital rectal examination (DRE). Though uncomfortable, the exam is an integral part of a routine physical in older men, especially when BPH is suspected. Other diagnostic tests include a complete analysis of urine and evaluation of kidney function. One test that is worth mentioning here is the prostatespecific antigen (PSA). It is important to note that BPH does not cause prostate cancer. However, men at risk for BPH are also at risk for prostate cancer and should be screened accordingly. Unfortunately, the screening guidelines associated with PSA are extremely controversial and the test should only be done at the discretion of your physician. The good news is, that BPH is a treatable condition. There are multiple pharmacologic agents that can treat the condition. Furthermore, there are also surgical options if medical treatment fails. The second prostate condition that can affect baby boomers is prostate cancer. It is the most common noncutaneous cancer in men in the United States. An estimated one in six white men and one in five African-American men will be diagnosed with prostate cancer in their lifetime. The likelihood of diagnosis increases with age. Currently, most cases of prostate cancer are identified by screening in asymptomatic men. Some of the most

common symptoms include: urinary retention, blood in urine and back pain. However, unlike BPH, physical examination alone cannot differentiate prostate cancer from any other prostatic conditions. The gold standard for establishing the diagnosis is via a biopsy. The American Cancer Society recommends that men decide whether to be screened for prostate cancer

This week: man up. get cheked. based on a detailed discussion of the risks and benefits of screening with their physician. At present, the recommended age to start screening is 50 years for men at average risk and 40 or 45 years of age for African Americans and men who have had a first-degree relative diagnosed with prostate cancer before age 65. The recommended age for men with several first-degree relatives who had prostate cancer at an early age is 40. Standard treatment for localized prostate cancer include surgery and radiation. Unfortunately, metastatic prostate cancer is rarely curable and the management usually involves palliative care. Ultimately, vigilance is key to maintaining prostate health. With increasing age, we need to be extremely mindful of preventive efforts and take early control of our health. 57



ome of the perks associated with reaching a certain age can be better paychecks, a little extra time on the weekend and a greater appreciation for fresh air and good fun. Right? So, why is it that just as many of us are finding our “golf legs,” Mother Nature decides to mess with our swing?

For answers, I consulted with Dr. James W. Bean, an Orthopedic Surgeon who specializes in Arthroscopic Surgery and Joint Reconstruction. Dr. Bean and his team at Sun City Orthopedic and Hand Surgery Specialists, prefer to utilize minimally invasive techniques and many of the procedures they perform address “Senior Swing.”




Dr. Bean explains, “A ‘swing’ in golf or tennis, is a coordinated effort of our skeletal, muscular and neurological systems. All of these systems are affected by age. We generally lose muscle mass and strength as well as develop some osteoporosis with aging. Also, our nervous system undergoes degradation, and loss of coordination is inherent with this process.” That sounded quite ominous to me so I also asked what preventative steps can be taken to minimize these conditions. Dr. Bean went on to say that, “Regular exercise, including resistance exercises such as light weight training, are important.” He recommended that these should be combined with both cardiovascular exercises and stretching exercises as we age because, “All of these are important in helping to improve performance in any exercise activity.” Besides the technical value of exercises, there’s no doubt that feeling fit also brings a sense of comfort and enjoyment to our golf and tennis games. It makes sense that our bodies will respond better to the vigorous demands of playing well when we’re stronger. Not to mention, how much more confident we’ll feel in our game. That confidence could be the deciding factor on the course.

However, a number of my friends have moved beyond the preventative stage and are now in the midst of correcting their swing through clinical procedures. “The number one shoulder condition we see in the elderly are changes in the rotator cuff which controls motion of the shoulder,” adds Dr. Bean. “There is atrophy and attenuation or thinning of the rotator cuff muscles in the shoulder with age.” This can definitely lead to the discomfort, weakness and lack of coordination experienced by those people I referred to in the last paragraph. And although injury can be prevented to some degree by practicing stretching and strengthening exercises, after a certain point, an aging rotator cuff and the subsequent pain it causes can prevent us from playing golf and tennis as well as participating in many of life’s favorite moments. If this is the case, don’t make matters worse by procrastinating. Book a medical consultation, speak with an expert and get your “Senior Swing” back in the air. 59


Your Younger Years Are Here | By: KRYSTA AYERS |



Health is always a given in feeling great about yourself. Make sure that you are following up with appointments and taking medication prescribed to you. Beyond that, carve out some time every day to be active. Whether you take a walk around your neighborhood or go outside to garden, any kind of movement is better than none. Another good idea is to do some form of exercise. Being physical is always key to feeling younger and living longer. Sign up for some yoga or take a swimming class at a local community center.


ust because the number of birthdays you have is getting larger, doesn’t mean you have to feel your age. In fact, there are a lot of benefits to not feeling your age and ways to combat “feeling old.” According to researchers at University College London, those that feel younger than their age actually live longer than those that let their age affect how old they feel. Feeling younger than you are can be attributed to a healthy lifestyle by: staying emotionally connected, staying active and keeping a good diet. Many doctors and researchers together have concluded that those that keep up with doctor’s appointments, health trends and their physical health are more likely to feel younger and lead longer lives. So how can this affect you now? If you’re already feeling the emotional burden and becoming more and more lethargic due to your rising number, you can act now and feel younger by next year. However, it’s as much a physical hurdle, as it is a mental one. One thing you can do to start feeling younger is maintain emotional connectivity. Stay connected to your family and your friends. Even if you become the regulars in a corner booth of McDonald’s every morning, seeing and talking to your friends increases brain activity and will help in feeling younger. Plan monthly or even weekly get togethers to stay connected.

You are what you eat. If all you’re eating is junk and fast food, your body is going to turn into junk. Your food should be colorful, set in the right proportions and natural fuel for your body. You don’t have to cut out bad food completely, but make sure that you are eating well. It is important, now more than ever, to eat food that makes you feel good—and not like a lump of potatoes on the couch. The saying that “age is just a number” is a great thing to keep in mind because it’s really just that—a number. How you feel internally is what really matters. No matter your “number,” you can change that feeling and mentality and start feeling younger. 61


Your Future Life Abroad

s g n i Th to er d i s n o C | By: KRYSTA AYERS |



Yo u r F u t u r e L i f e A b r oa d



anting to retire somewhere abroad is understandable: you can lead the same lifestyle for a fraction of the cost; depending on where you choose, views and climate could be spectacular; many countries abroad function at a slower, more relaxing pace, and, like you read on page 14, a longer life is attributed to traveling. Living abroad can lead to a more enriched life, learning a new culture, maybe a new language and constantly being immersed in new and exciting situations. Because of the growing popularity of retirees moving abroad, lists have come out with the top five countries people are moving to. Mexico is the most popular one, not only for its inexpensive cost of living, but also for the relaxing environment and proximity to beaches. Second on the list is Panama with its cosmopolitan capital and warm weather. Ecuador follows with an array of climates to make

everyone happy, plus a monthly spending budget of less than $1,500. Costa Rica makes it to the fourth spot on the list for its affordable health care and rent as low as $400 a month. Plus, being on the beach can’t be a bad thing. And finally, Colombia. Medillin has changed drastically, becoming a popular upscale neighborhood, plus it has a calming environment with lots of things to do. There are some things to consider before you pack up and move. For starters—residency requirements. Then, knowing local laws (like work visas), paying your taxes, prepping for emergencies, finances, health insurance and moving your belongings. It’s a lot to take in, and it might take more than just a couple of weeks to prepare for your life overseas. So, whether you plan on working or just want to enjoy your time in a foreign country to just relax after years of hard work, here are some things to consider:


Yo u r F u t u r e L i f e A b r oa d



Residency Requirements If you know where you’d like to move to—great! Start researching the immigration laws and see what kind of paperwork or visa you’ll be needing to make the big move. If you like the idea of moving abroad, but aren’t quite sure where yet, take some time to research which countries have the best immigration laws for you. It changes drastically from country to country, so don’t think that just because Portugal is easy to move to, that Italy will be just the same.

Know the Local Laws This is very important. Just as families moving to the US, need to know our laws, it’s important to know the laws of the country you’re moving to beforehand. Research the civil liberties and rights you’ll have in the country you want to move to. And if you plan on working a little bit, see the laws for working permits you’ll have to acquire. You can find a list of English-speaking lawyers through the US Embassy to further assist you. 64


Yo u r F u t u r e L i f e A b r oa d

a c i R a t s Co







Yo u r F u t u r e L i f e A b r oa d

Pay Your Taxes


Unfortunately, just because you’re moving abroad doesn’t mean you’re excused from filing with the IRS. After moving to your new home, you will still need to file yearly with the IRS. Plus, you will have to see what tax obligations you have in your new country. There might be options through the IRS to file so that you’re not paying double taxes. This also changes from country to country, so be sure to research for the specific country you plan on moving to.

Unfortunately, Medicare does not cover your health overseas. If you have a separate health care provider, ask if they provide national coverage or what kind of insurance you can acquire. On the bright side, getting health care coverage in a lot of countries is not that hard. They offer the same services as the US and it’s at a fraction of the cost. For more information, you can check out

Prep for Emergencies Things happen. It’s better to be prepared than be caught like a deer in the headlights. Be sure that your family and friends back home have a copy of your passport and your emergency contact information. Vice versa, you will want to be sure to have friends and family’s contact information that you can write in your passport. It will also be helpful to know the contact information for the US Embassy in the country you have selected.

Prep Your Finances Exchange rates fluctuate. Allow for some room when you’re exchanging your money for the right currency. Another big question to ask will be, “Should you get a local bank account?” A lot of countries overseas deal mostly with cash, but if you want to keep your money in a safe place, be sure to look into secure banks.

You will also be able to find English-speaking doctors and find hospitals.

Moving Your Belongings If you’re planning on renting storage, or giving things to your children/grandchildren, then moving your belongings won’t be a headache for you. Pack your bags and head on out! On the contrary, if you’re planning to take your belongings, you must consider how to get them overseas. This also plays into preparing your finances. It’s not cheap to load a life’s worth of belongings and take it to a new country. Luckily, the internet can be very helpful. With sites like you can get estimates on how much moving will cost you. Our advice: take as little as you possibly can. Most homes/condos/apartments come furnished when you’re looking to live abroad. 67


Fond Memories Memories of Nana of Nana in Niagara in Niagara Falls Falls


round this time of year my grandmother and I would set out on our traditional visit to Niagara Falls. She loved the Apple Blossom Festival and sweetly perfumed rose gardens that dot the Niagara Parkway. I never tired of the cooling mist, majestic view and thundering crescendo of water crashing down on rocks. They were some of our favorite days together—I will never forget my joy, walking arm in arm with her along the wrought iron railing that separated us from the edge of the precipice. We were never alone. Throngs of tourists flock here every day, making it a top 10 global tourist destination. There are two views, one from the U.S. and one from Canada, but the best side to witness this natural wonder of the world from, is truly the Canadian side. Warm weather days at “The Falls” were only 68


surpassed by our winter visits, when Mother Nature’s iconic ice sculptures glistened in heaped, towering splendor before breaking away and flowing slowly down the sparkling Niagara Gorge. We could never decide which season was our favorite time to go. Most folks make the mistake of planning for a single afternoon at Niagara Falls, but the town and surrounding area has expanded the list of tourist attractions so much that three or four action packed days in the vicinity are very plausible. For example, one can eat at the Hard Rock Café, shop at Hershey’s Chocolate Factory, photograph The Floral Clock, pray at an authentic Buddhist Temple, stand on the White Water Walk where the force of rapids move deafeningly faster than anywhere else in North America, ride the Whirlpool Aero Car suspended on cables over the swirling vacuum below, or stand at the rail of the Hornblower “Maid of the Mist” ferry for an extreme close-up view of the falls from river level. The Journey Behind the Falls literally allows


F o n d M e m o r i e s o f N a n a i n N i a g a r a Fa l l s


F o n d M e m o r i e s o f N a n a i n N i a g a r a Fa l l s


you to stand behind its cascading waters. “Niagara’s Fury” offers a panoramic movie experience about the major attraction. Breath-taking helicopter rides are also available. Looking for a more peaceful diversion? How about an hour at the Butterfly Conservatory. Over the years, I’ve tried them all and each one is fantastic! The Golden Horseshoe region also hosts dozens of award-winning vineyards and rich farmlands. Several wine labels offer tours and sampling on site. Some compliment their libations with wine pairing gourmet meals, enjoyed on shaded terraces overlooking the Peninsula. Fruit and vegetable stands invite passersby to stop and taste fresh preserves and syrups or juicy cherries and peaches, picked that very day. In fact, the roadsides are often congested with cyclists, cars and tour busses trying to get some. The drive to Niagara on the Lake is lovely and only takes 20 minutes. This quaint town is a picture perfect, turn of the century, living museum. I highly 70

recommend some time at Fort George and Lundy’s Lane, where one can discover historical references to Laura Secord and the only militia to have ever beaten American soldiers on American soil. Nana loved to walk along the blocks of beautiful shops in Niagara on the Lake. The jam at Greaves Confectioners is still, in my humble opinion, the best. We always parked close by so I could lug a box


of it to the trunk of my car before strolling to The Buttery for a hearty lunch. For dessert, there was fudge— our favorite was double fudge and creamy vanilla chocolate, but when you have twenty flavors to choose from, it’s best to sit on a shaded bench and slowly chew through every decadent flavor you can. Sometimes, we took the Rainbow Bridge across to New York State where another long list of things to do awaits. But no matter where we’d wandered off to, at the end of the day everyone finds their way back to the precipice for “Night Lights,” an innovative, computerized light show that dances to music, across the waterfall. It is an exhilarating experience and the perfect finale to any adventure. I can still hear my Nana humming those classical tunes at the water’s edge of her beloved Niagara Falls … I’m sure a part of her will always be there.



Just Because You Fit In It, Doesn’t Mean You Should

Fashion Tips for Women Over




Fa s h i o n T i p s f o r W o m e n O v e r 5 0

When your age is steadily creeping up on you, questions of what you should and shouldn’t wear often follow: “Is this age appropriate?”, “How do I hide my arms in this heat?”, “Does this look like I’ve given up?” Look to fashion icons like Iris Apfel and Lyn Slater if you need inspiration—and to see that style knows no age. While you should probably steer away from some items (cough, cough: crop tops) you can still have style and live a fabulous life that the younger generations will be envious of.

Don’t Do

wear sleeveless tops if you’re uncomfortable and want to hide your Bingo wings.

wear a kimono over your tank top instead. Or find a blouse with lacey or sheer sleeves to allow breathability and coverage at the same time. 73

Fa s h i o n T i p s f o r W o m e n O v e r 5 0



shop in the Junior’s section and buy shirts that read, “Weekend Mode.”


keep it casual with loose T-Shirts, tailored ankle chinos and white tennis shoes.


share clothes with your daughter —especially the tight skirt you have your eyes on. We don’t care if it fits.


keep dresses and skirts at an appropriate length. You can still feel sexy and youthful, just keep in mind the length of your clothes and what is being revealed.



Fa s h i o n T i p s f o r W o m e n O v e r 5 0


show anyone back cleavage. Throw away the tops that reveal too much of your back (you don’t want the sun damage anyway).


invest in a bra suited for you at your current age and gravitational pull. Also, the most flattering tops are ones that give a peek of your collar bone, not your back cleavage.


wear the Crocs outside of the house. Nothing ages you faster except for the sun and smoking.


wear comfortable shoes. Get some gel insoles for the shoes you already own or find a stylish pair of arch-supporting shoes at Neutralizer or Clark’s. 75

Fa s h i o n T i p s f o r W o m e n O v e r 5 0


leave the house without giving yourself one more glace-over. If you’re more blessed when it comes to your backside, your skirt/dress might be a little shorter in the back than the front, so be careful.


wear accessories with your outfit. Pile them on or layer dainty pieces. This can easily boost any outfit, plus it adds a hint of youth and playfulness without trying too hard.


wear too low of a neckline. If you have lines down your neck from sleeping on your side or just from age, higher necklines will be more flattering and cover those right up.


flaunt it if you got it. Wear silhouettes and clothing that accentuate your best body parts. Have killer arms? Wear that sleeveless jumpsuit. Still 76 have your runner calves? Strut around in a dress.



Fa s h i o n T i p s f o r W o m e n O v e r 5 0


wear the matchy-matchy, two-piece pastel suit that was hot in the 70s. The decade is over and so are those suits.


own the look you’re wearing. The reason many generations look up to Iris Apfel and Lyn Slater is because they wear the clothes and not the other way around. Whether you’re into a copious amount of accessories, bold prints or monochromatic outfits, have fun and own it.








ooking at yourself in the mirror, you adjust the outfit you picked out for this interview, tuck back any stray hairs and mentally prepare yourself to meet your possible employers. You have done this before; not recently, but you have most likely done this in your late teens to mid20s—but now, you are doing it again after your 50s. This time around might be more intimidating, but there is no need to add more gray into your hair. It is true that there are risks of facing hesitation when it comes to your age, but it is important to remember that you deserve as much of a chance as any other possible employee, especially since you are protected by the Age Discrimination in Employment Act (ADEA). However, despite this net there are still obstacles to overcome, even if they are not obvious. Some hiring businesses might show concern of whether you can keep up with the other employees, physically or mentally, or if you can even contribute something substantial to their company. Don’t despair, there are ways to jump those hurdles. With this list of tools in the back of your mind, you can show the hiring company you are an advantage to them and not a liability.



Y o u C a n ’ t S p e l l A d va n t a g e W i t h o u t A g e

Demonstrate your up-to-date knowledge.


eing prepared for any interview is essential no matter your age. To leave a lasting impression on your possible employers, it is beneficial to be informed on what that company does, is doing and even present new ideas to them during the interview. Unlike most young candidates that are thinking shortsightedly, you display a possible vision of what the company could be doing to improve their business. Presenting these possible ideas shows the type of engagement and initiative that they will want within their company.




Demonstrate your health and enthusiasm.


egardless of the interview, it is important to live a healthy lifestyle. It shows that you have the discipline and responsibility to not only take care of yourself through hard work, but that mentality can be transferred to the hard work within the office. While being healthy is important, it is also critical to show the hiring company that you are excited to work for them. Remind them that you are not a desperate college student trying to find anything they can get while looking for something better. You took time and effort to research this company so you are less likely to leave.




Demonstrate your adaptability and capability.


very company is different and may operate in a way that is different than what you may be familiar with. Show your chameleon nature for adapting to the company’s environment and your capability to thrive in it, whether that be physical or digital. It is no secret that today’s business world runs on a technological pulse. Whether it is new to you or not, it will help to show your online presence and how you have maintained it. Even if you don’t know everysingle-thing about the digital world, that shouldn’t knock you out. It gives you room to learn the next big thing.



Demonstrate your network channels.



his is one of the strongest advantages you can present to the interviewers, or even for yourself when choosing what company suits your needs. Throughout your life you have met many individuals that were involved in and out of your business circles. Highlight how these channels can help improve the business and lead to future deals or other possible opportunities. In today’s market, it can take a lot of leg work to develop genuine contacts, and with that time saved, you can focus your attention on other matters the company may need. No younger candidate can say that they have these types of channels. And if they do, they do not possess as many.


Y o u C a n ’ t S p e l l A d va n t a g e W i t h o u t A g e



Demonstrate your maturity. This is an obvious one, but still needs mentioning.


ever hide your age, be proud of it. You lived a life filled with lessons learned and deeds accomplished. Because of this you would not need to be supervised as closely as a younger employee might be or need to be retaught on how a majority of things work. You have time on your side and with it is the experience that no younger employee can claim. While you have shown your capability to learn new things, you make it clear that you will not hinder the company, only improve it.

These are excellent sources to help you have a leg up on getting the job, and you can always strengthen them by joining online communities of fellow mature job hunters. Some of these communities can include Eons or Here you can socialize and even ask for tips and tricks when it comes to nailing the interview and maintaining the job. This is a modest list to start with, but you should not stop implementing them after you get the job. You need to remind those around you, young and younger, that you are the best choice for this job. Doesn’t sound too hard, and besides, you have done this before.





Your T Final Exit Ahead for

his article could result in the greatest gift you leave for your children. No, it’s not about a hefty pile of cash – it’s about a pre-planned and pre-paid funeral.

Ask yourself, “Do all of my kids and grandkids always agree with each other? Will my son(s) and/ or daughter(s) respect ALL of my religious beliefs, personal taste and budget preferences after I’m gone? If so, do I want to force them to make these decisions? Am I comfortable leaving the distribution of my final remains in the hands of others?” If you answered no to any of these questions, please read on. “It’s not always about money,” states Salvador Perches, President of five Grupo Perches Funeral Homes in El Paso. “Even when you leave enough money behind for funeral costs, leaving these types of decisions adds more stress and emotional anguish to an already difficult experience.” Consider that … as soon as you pre-pay for your funeral, you pretty much lock in the price. What will they cost in 25 years? Consider that … most funeral homes work with insurance companies who secure your pre-paid investment, even if the funeral home goes out of business. These companies



S h o p p i n g A h e a d f o r Yo u r F i n a l E x i t

may even refer you to another funeral home if you move far away. If costs are higher in your new location, they can help you add to the plan and cover the increase. Or you may choose to set up a trust to safeguard your investment. Additional deposits can usually be made later, if your choices change or income escalates. Decisions about casket style, material, interiors, ornamentation and price are important. Imagine an artistic grandchild’s passion for violet satin. Get the idea? If cremation is more to your liking (more than 50% of Perches clients in El Paso, Las Cruces and Juárez choose cremation) there are hundreds of urns to review. Novelties that appeal to your individuality include removable corner pieces (on caskets) which depict your hobbies, love of sports or the outdoors. Handcrafted jewelry keepsakes and mini urns allow ashes to be tastefully distributed to more than one person.

I was particularly impressed by “Living Urns” which place soil, nutrients, a tree of choice and one’s cremated remains in a capsule, buried in the ground to become the resting place that grows into a living legacy. Of course, costs range in every category from a simple cremation service (as low as $250) to a Promethean Bronze and 24 karat gold casket ($50,000) like the one Michael Jackson was buried in—one more very good reason to participate in this process. Leave instructions too. Will it be classical orchestration, Gospel or AC/DC at your “Celebration of Life,” “Irish Wake,” or “N’awlins Procession”? Candles, doves, butterflies, flowers, donations to your favorite charity, photos of you with your friends and family or a flag? You may not have lived your life exactly the way you wanted to, but shopping ahead for your final exit will definitely give you the last word!



C o m b at i n g L i v e r D i s e a s e

Combating Liver Disease with Early Detection and Comprehensive Management F or patients suffering from certain liver diseases, the very best in care—and a cure—will soon be closer to home.

Disease Center will attempt to identify malignancy early. Implementing an aggressive treatment approach offers the best hope for those impacted.

Later this summer, The Hospitals of Providence will open its new Liver Disease Center at 4532 North Mesa Street in West El Paso. The Liver Disease Center will feature a multi-specialty team of physicians who review cases, give input and determine the most appropriate courses of treatment for patients.

Bringing multi-disciplinary care to El Paso is especially important, given the prevalence of liver disease in our community. In fact, chronic liver disease is a leading cause of death among the Hispanic population, according to the U.S. Department of Health and Human Services’ Office of Minority Health. Based upon data from the Center for Disease Control and Prevention DHHS also reported that, in 2016, Hispanic men and women had a chronic liver disease rate that is twice that of their Anglo counterparts.

The Liver Disease Center will be lead by Dr. Ruben Ramirez. Having served the El Paso community for more than 15 years, Ramirez specializes in gastroenterology and sub-specializes in hepatology, the study of liver ailments. “While Hepatitis C has traditionally been one of the hardest liver diseases to detect, recent advances now enable us to cure the disease in many patients,” Ramirez said. “The Hospitals of Providence strive for quality care through innovative treatments and the Liver Disease Center will bring that care closer to home for the estimated 22,000 El Pasoans who are affected by Hepatitis C.” The Liver Disease Center will also focus on care for Hepatitis B, non-alcoholic fatty liver disease, and disorders of the biliary tract, which follow liver transplants. Diseases of the gastrointestinal tract are traditionally marked with a significantly poor prognosis, according to The Hospitals of Providence. The multidisciplinary approach which will be implemented by The Liver

“In addition to our broad-ranging medical expertise, the Liver Disease Center will enable The Hospitals of Providence to emphasize proper management techniques for those living with liver disease,” Ramirez said. “For example, with proper management including nutritional counseling, medical management and exercise, cirrhosis can be prevented.” The Liver Disease Center will also facilitate early detection of benign liver diseases allowing patients to manage their disease and avoid the development of cirrhosis and/or cancer. By increasing access to patients in our area, the Liver Disease Center will allow individuals to receive expert medial recommendations and medical care closer to home. For more information regarding the Center for Liver Disease, call The Hospitals of Providence at (915) 577-7940. 87


The number of Americans ages 65+ is projected to more than double by 2060

51.6% of people aged 50+ are no longer in the labor force

Currently, only 26.5% of those over 50 have a college degree or a post-graduate degree

36% of Baby Boomers own dogs

Approximately 12% of people aged 70+ take a nap between 1-3 p.m.

14% of people aged 65+ consider walking/jogging their favorite pastime

78% of people aged 65+ consider themselves satisfied with their lives

Median household income in the US for those 50+ is $56,710

Only 6% of those over the age of 50 are self-employed

Experience the new

915.307.4159 | 5825 N. Mesa St.




resource guide

Senior Housing Options/Assisted Living Facilities Bienvivir All Inclusive Senior Health 2300 McKinley Ave., El Paso, Texas 79930 (915) 562-3444

The Bartlett Assisted Living 221 Bartlett Dr., El Paso, Texas 79912 (915) 584-8438

Good Life Assisted Living & Memory Care 10400 Railroad Dr., El Paso, TX 79924 (915) 309-5822

The Legacy at Cimarron 6201 Northern Pass Dr., El Paso, TX 79911 (915) 706-2320

Good Samaritan Society 7304 Good Samaritan Ct., El Paso, TX 79912 (915) 581-4683

The MonteVista at Coronado 1575 Belvidere St., El Paso, TX 79912 (915) 833-2229

Hillside Seniors Apartments 770 N. Resler Dr., El Paso, TX 79912 (915) 833-1450

The View at Montecillo 140 W. Castellano Dr., El Paso, TX 79912 (915) 532-3832

Loving Care Assisted Living 180 Croom Rd., El Paso, TX 79915 (915) 778-1112

Trisun Healthcare 11169 Sean Haggerty Dr., El Paso, TX 79934 (915) 849-3000

Rio Norte Senior Living 1941 Saul Kleinfeld Dr., El Paso, TX 79936 (915) 213-7503

Villa De Los Abuelos 757 Villa Antigua Ct., El Paso, TX 79932 (915) 240-5051 Woodchase Senior Community 8410 Tigris Dr., El Paso, TX 79907 (915) 591-4161

Royal Estates of El Paso 435 S. Mesa Hills Dr., El Paso, TX 79912 (915) 260-6703 Serenity House Assisted Living 4200 Skyline Ave., El Paso, TX 79904 (915) 751-0300 Sun Ridge at Cielo Vista 7949 Sunmount Dr., El Paso, TX 79925 (915) 255-3633 Sun Ridge at Desert Springs 5901 Bandolero Dr., El Paso, TX 79912 (915) 255-3536 Sun Ridge at Palisades 1831 Murchison Dr., El Paso, TX 79902 (915) 257-0416

Nursing Home Facilities Franklin Heights Nursing & Rehab Center 223 S. Resler Dr., El Paso, TX 79912 (915) 584-9417 Mesa Hills Healthcare Residence 2301 N Oregon St., El Paso, TX 79902 (915) 532-8941 Regent Care Center of El Paso 10880 Edgemere Blvd., El Paso, TX 79935 (915) 590-7800 Vista Hills Health Care Center 1599 Lomaland Dr., El Paso, TX 79935 (915) 593-1131


resource guide


Home Health Care Always Caring Health Care Services 4171 N Mesa St., Ste. D400, El Paso, TX 79902 (915) 545-4663

Just Care Home Health 9533 Dyer St., El Paso, TX 79924 (915) 591-2800

Border Home Care of El Paso 414 Executive Center Blvd., El Paso, TX 79902 (915) 833-5100

Santa Fe Home Care 4110 Rio Bravo St., Ste. 200, El Paso, TX 79902 (915) 845-3900

Encompass Home Health 5801 Acacia Cr., El Paso, TX 79912 (915) 845-3300

Su Casa Home Health Services 9220 McCombs St., El Paso, TX 79924 (915) 781-1882

Home Instead Senior Care 230 Thunderbird Dr., El Paso, TX 79912 (915) 584-5678

Tender Care Home Health 4930 Osborne Dr., El Paso, TX 79922 (915) 581-3345

Interworld Healthcare 10767 Gateway Blvd W., El Paso, TX 79935 (915) 534-7898

Visiting Angels Home Health Care 1575 Belvidere St., Ste. 230, El Paso, TX 79902 (915) 799-0141

Adult Daycare Bienvivir All-Inclusive Senior Health 2300 McKinley Ave., El Paso, TX 79930 (915) 562-3444

El Parque Adult Day Care Center 6501 Boeing Dr., El Paso, TX 79925 (915) 781-2233

Circle of Friends Adult Day Care 10750 N. Loop Dr., Socorro, TX 79927 (915) 872-8860

Friends & Neighbors Adult Day Care 10610 N. Loop Dr., Ste. N, Socorro, TX 79927 (915) 872-8585

Club De Amistad 109 Crocker Dr., Horizon City, TX 79928 (915) 852-5006

Helping Hand Adult Day Care 7420 Remcon Cr., Ste. B, El Paso, TX 79912 (915) 581-1515

East Side Adult Day Care Center 9640 Montwood Dr., El Paso, TX 79925

La Esperanza Adult Day Care 946 Horizon Blvd., Socorro, TX 79927 (915) 872-9979

El Palacio Adult Day Care 11150 Montwood Dr., El Paso, TX 79936 (915) 599-2442


La Victoria Adult Day Care 821 N. Copia, El Paso TX 79903 (915) 562-3444


Adult Daycare (continued) New Horizons Adult Day Care 1817 E. Yandell, El Paso, TX 79902 (915) 544-3357

Sol Y Luna Adult Day Care 2911 George Dieter Dr., El Paso, TX 79936 (915) 590-5862

Roka Adult Day Care 12025 Rojas Dr., El Paso, TX 79936 (915) 849-1505

Sweet Home Adult Day Care 7858 San Jose Rd., El Paso, TX 79915 (915) 755-4440

San Antonio Day Care Center 1417 Delta Dr., El Paso, TX 79901 (915) 532-5900

TLC Adult Day Care 920 Chelsea St., El Paso, TX 79903 (915) 771-8651

Senior Companion Program 1225 E. Yandell Ave., El Paso, TX 79902 (915) 532-9639

Hospice Programs Center for Compassionate Care West 1575 Belvidere St., El Paso, TX 79912 (915) 504-6320

Hospice El Paso 1440 Miracle Way, El Paso, TX 79925 (915) 532-5699

Cima Hospice of El Paso 6090 Surety Dr., Ste. 102, El Paso, TX 79905 (915) 778-1222

Texas Palliative Center 1817 Wyoming Ave., El Paso, TX 79903 (915) 543-6060

Cuidado Casero Home Health Services 1617 E. Missouri Ave., El Paso, TX 79902 (915) 772-7177


Senior Centers Eastside Senior Center 3200 Fierro Dr. El Paso, TX 79935 M-F 9:00 a.m.-4:00 p.m. (915)591-4292 Activities available: Line dance, 1-3 p.m. Mondays, $21 Computer, 9-10 a.m. Tuesdays and Thursdays, $22 Stained glass, 9-11 a.m. Mondays, $24 Grandview Senior Center 3134 Jefferson Ave. El Paso, TX 79930 M-F 9:00 a.m.-4:00 p.m. (915)566-1217 Happiness Senior Center 563 N. Carolina Dr. El Paso, TX 79915 M-F 9:00 a.m.-4:00 p.m. (915)592-8710 Activities available: Yoga, 1-3 p.m., Mondays and Wednesdays, $21 Hilos De Plata Senior Center 4451 Delta Dr. El Paso, TX 79905 M-F 9:00 a.m.-4:00 p.m. (915)533-3207 Activities available: Ceramics, 9-11 a.m. Mondays, $24 Line dance, 1:30-2:30 p.m., Tuesdays and Thursdays, $21 Memorial Senior Center 1800 Byron St. El Paso, TX 79930 M-F 9:00 a.m.-4:00 p.m. (915)562-4260 Polly Harris Senior Center 650 Wallenberg Dr. El Paso, TX 79912 M-F 9:00 a.m.-4:00 p.m. (915)772-8365 Activities available: AARP Defensive Driving, 9 a.m. Wednesdays, $20


San Juan Senior Center 5701 Tamburo Ct. El Paso, TX 79905 M-F 9:00 a.m.-4:00 p.m. (915)772-8365 Activities available: Low-impact aerobics, 10-11 a.m., Mondays and Wednesdays, $19 Scratch Art Club, 1:30-3:30 p.m. Thursdays Ceramics Club, 9-11:30 a.m. Wednesdays Senior Center 9311 Alameda Ave. El Paso, TX 79907 M-F 9:00 a.m.-4:00 p.m. (915)860-9131 South El Paso Senior Center 600 S. Ochoa St. El Paso. TX 79901 M-F 9:00 a.m.-4:00 p.m. (915)577-9870 Activities available: Advanced guitar, 11 a.m.-noon Tuesdays, $11 Wellington Chew Senior Center 4430 Maxwell Ave. El Paso, TX 79904 M-F 9:00 a.m.-4:00 p.m. (915)757-2523


resource guide

Senior Programs/Fitness El Paso Senior Games The City of El Paso Parks and Recreation Department will host the 35th year of the El Paso Senior Games in spring 2017. Registration forms and a full schedule of events will be available after January 2017 at any of the 10 Parks and Recreation Senior Centers. senior-centers/senior-games Fitness Program for Seniors Las Palmas Lifecare Center 3333 N. Mesa St., El Paso, Texas (915) 533-2217 Classes are designed with seniors in mind—bonefriendly toning and stretching. Osher Lifelong Learning Institute OLLI at UTEP 500 W. University Ave., El Paso, TX 79968. (915) 747-8848 OLLI is a not-for-profit organization run by members, which provide continuing education on the UTEP campus for those over the age of 50. Every type of class from Art to History, OLLI offers something for everyone.

Physical Fitness in the Golden Age Program University of Texas at El Paso Physical Fitness in the Golden Age is a community based exercise program for older adults 60 years of age and older, which improves fitness and fosters healthy living habits for program participants with training sessions that focus on the improvement of muscular strength, cardiovascular fitness, mobility, coordination, speed, agility, flexibility and balance. The program provides a comfortable environment for individuals of the same age working together for a common goal: to achieve successful aging and improving quality of life. UTEP Kinesiology Department Fitness Research Facility – Ross Moore Building (915) 747-6091 Senior Fitness Program at Spectrum Fitness 1700 Cliff Dr., El Paso, Texas (915) 500-6600 A Senior Fit Program, you are trained by a certified Wellness Coach/Trainer that will help you with posture, balance, flexibility, strength, and endurance all at your own pace. silversneakers-fitness/senior-fit-club/ 95

resource guide


Senior Programs/Fitness (continued) Senior Program at El Paso Community College Senior adult program provides and promotes educational and cultural opportunity and support services to improve the quality of life for seniors in our community. The program is for senior citizens 55 and older. Courses offered: Computer Training, Writing, Language, Literacy, Art, Music, Dancing, Gardening, and Personal Wellness SeniorAdultProgram/Pages/default.aspx Water Aerobics & Water Relief at the SISD Aquatic Center 1300 Joe Battle, El Paso, TX 79928 (915) 937-0551 Water Aerobics is a fitness class provided in our inside, zero entry, 3’6” recreational pool. It is designed for men and women of all fitness levels. Each class includes warm-up, training, cool down, stretching and toning. Water Relief is a low impact aerobics class for seniors and individuals with rehabilitation needs. The class includes numerous exercises geared towards muscle and joint relief as well as stretching and toning of connective tissues.


YWCA Joyce Whitfield Jaynes Branch 1600 Brown St., El Paso, Texas (915) 519-0002 SilverSneakers® is a fun, energizing program that helps older adults take greater control of their health by encouraging physical activity and offering social events. Participants of this program receive: • Access to conditioning classes, all exercise equipment, pools and other amenities • Customized Silver Sneakers® classes • Health education seminars and healthy lifestyle events • Program Advisors • Member-only online support to help you lose weight, quit smoking or reduce stress. Classes such as chair aerobics and yoga are also offered.

Senior Nutrition Program Valley Services 900 Hawkins Blvd., El Paso, Texas (915) 778-1861 A senior nutrition program providing a 1/3 required dietary allowance noon time meal to El Pasoans for 60+ older. Center based meals are served in the Senior Centers throughout the city. Home delivered meals are also offered to the homebound frail elderly or handicapped individuals. Delivery and preparation of meals by Valley Services.

11165 Gateway Blvd. W, El Paso, Tx 79935 (866) 970-3779

7200 Viscount Blvd, El Paso, Tx 79925 (915) 209-5745


No two hearts are exactly the same. That’s why the cardiovascular specialists of The Hospitals of Providence pursue an individualized care plan for every single heart we encounter. From preventative care to treating heart conditions, every element is designed to take care of our first priority: YOU.

To find a physician please call (844) 367-5654 or visit (844) 367-5654

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