A blank slate media / litmor publications special section july 10, 2015
It’s Never Too Late
How to rebound from a late start to saving for retirement
Ticker Talk
Keep your heart running strong well into your golden years
Revisiting Your Regimen Trendy exercises to rev up your workouts
30 living 50+ • News Times Newspapers, Friday, July 10, 2015
Trendy exercises to rev up workouts E
xercising consistently is a great way to get healthy. For those who find their workout routines monotonous, switching up exercises and embracing some of the newer, trendier fitness regimens may be a way to maintain your momentum at the gym.
High-intensity workouts
High-intensity interval training, or HIIT, is a concept behind some of today’s most popular exercise programs. HIIT combines cardiovascular and strengthtraining movements into a concentrated workout designed to keep your heart rate elevated. HIIT workouts blend bouts of intense exercise with either rest or low-intensity activity. These workouts seem to promote faster weight loss than prolonged workouts at moderate paces. While HIIT is functional, it is not best for those who have preexisting orthopedic injuries or serious cardiovascular conditions. But many people enjoy a stronger heart and improved muscle tone from HIIT workouts.
Kettlebells
These weighted cast-iron workout tools can be an interesting addition to
strength-training workouts. But their utility does not stop there. Using kettlebells during any physical activity will increase the amount of fat burned and can provide a full-body workout. Kettlebells come in different weights, and newcomers are urged to start out gradually and build up in weight as they become more familiar and toned.
Trampoline cardio
For those who want to both shake up their workouts and lift their moods, jumping on a trampoline can do just that. It’s difficult to be in a bad mood when bouncing around like a kid on a trampoline. Trampoline classes are turning up in some upscale gyms, where each participant has his own individual trampoline. Routines mix in different choreography and small hand weights to promote a fun and effective cardio experience.
Water aerobics
Swimming isn’t the only thing you can do in a pool. Water workouts are ideal for those with muscle and joint pain because the buoyancy of the water reduces stress on these areas, while
providing enough resistance for a deep workout. Workouts may begin in chestdeep water and progress to deeper water for added resistance. Some gyms now offer aqua cycling classes that combine water aerobics with spinning.
Dance and hip-hop classes
ZUMBA® classes have been popular for quite some time. But many health clubs offer additional classes that employ dance to burn calories and tone muscles. Some gyms have developed
their own cardio-based dance classes that get people moving to music in a fun way. Routines are fun and fast-moving, which may make them feel less like a workout and more like a social event.
Recess classes
Adults who want to feel like kids again need only to enroll in a fitness class that borrows activities from the playgrounds of our youth. From walking like a crab to running drills to balance beams, these workouts take school recess and bring it to the health club.
News Times Newspapers, Friday, July 10, 2015 • living 50+
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32 living 50+ • News Times Newspapers, Friday, July 10, 2015 ADVERTORIAL
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News Times Newspapers, Friday, July 10, 2015 • living 50+ Janine Stiene, Speech-Language Pathologist, is owner and operator of the Suffolk Center for Speech And Myofunctional Therapy. Along with her exceptional group of therapists, she supports families and children across Long Island and Queens, specializing in: PROMPT, Myofunctional Therapy, Voice Disorders, Fluency, Augmentative Communications, Articulation, Auditory Processing Disorders and Expressive/Receptive Language Disorders (adults and children). Also offered is Feeding Therapy for individuals who suffer from texture and consistency aversions. There are seven affiliated offices across Long Island, with the Lake Success office being conveniently located next to LIJ on Lakeville Road. All offices offer flexible hours and scheduling including evenings as well as Saturdays. It is also one of the only private practices that participates with most major health insurance companies. Janine Stiene, former Speech Pathologist of the Hauppauge School District, has had her rapidly growing business for ten years. Her well equipped staff of LIcensed speech Pathologists and Myofunctional Therapists come from diverse educational backgrounds and top schools such as Long Island University, St. John’s University, Hofstra University, Adelphi University, and more. Open: Monday through Saturday, Daytime and Evenings. Please call for appointment availability. Participating with most Major Health Insurances.
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34 living 50+ • News Times Newspapers, Friday, July 10, 2015 ADVERTORIAL
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News Times Newspapers, Friday, July 10, 2015 • living 50+
Choosing a Trustee – One of the Hardest Decisions in Estate Planning by Stephen Silverberg
For preparing a Will and doing the estate planning to ensure that your final wishes are carried out, one of the hardest decisions is selecting a Trustee. The most likely candidates are members of your family, dear and trusted friends or the professionals you trust – your CPA, a financial advisor or the family attorney. Even when you are fortunate enough to have many people whose judgment you trust, it is a rare person who has all of the qualifications to become your Trustee. Options include naming two Trustees so that one can balance the judgment and opinions of the other, and sometimes this is a good solution. Another choice is to create a corporate Trustee, which may be better depending on your asset level. Before deciding whom to name as a Trustee, consider what the purpose of the Trust is. Was it created to benefit younger family members not yet ready to inherit your estate? Are tax savings a major reason for the Trust? Depending on the purpose of the Trust, your selection of the Trustee greatly affects the Trust. Do you trust their judgments? Most Trusts grant Trustees broad discretion in decision making. The Trustee should have good judgment, and you want to be sure that the Trustee will exercise their judgment to accomplish the purpose you wanted for the Trust. Will they keep the family first? If the purpose of the Trust is to benefit family members and is not designed to preserve the Trust assets, you’ll want to be sure that the Trustee can keep the family’s interest at the forefront. Do they understand finances enough to make good decisions? The most loyal and brilliant friend in the world will be a bad choice if she or he is not sophisticated enough about wealth and finances. Does the person know your family and the individuals and their idiosyncrasies? Few issues stymie estate planning attorneys more than family dynamics. What if you intend to make sure your cousin Beatrice receives the maximum benefit from the trust as she is in need but your Trustee Uncle Allan disagrees with your assessment and refuses payment for necessary care, who is ultimately responsible to carry out your wishes? A solution to the challenge of naming a co-Trustee: having one family member as the Trustee who determines distributions, and have a corporate co-Trustee. This creates a partnership that can handle both the financial challenges and the family dynamics. Have a detailed discussion with those you are considering naming as Trustee. Review your wishes with them and discuss the responsibilities and fiduciary liability that being a Trustee encompasses. All parties – the individual Trustee, the corporate Trustee and you, have to be up front and honest about the duties and possible challenges presented by agreeing to take on this task. Most important is for the Trustees to understand the Grantor’s purpose in preparing the trust. It is a great compliment when someone trusts and respects you enough to select you to be a Trustee for you and your family. It is an important decision that requires complete confidence by all concerned.
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36 living 50+ • News Times Newspapers, Friday, July 10, 2015 Financial Planning: Considerations for Your Future By: Leonard N. Katz, CRC®, RFC®, CWM™
Developing a financial plan is similar to planning a vacation. You need to tend to the mundane details like shopping for hotel accommodations and plane fares as well as preparing your itinerary. While these tasks may be tedious, the time spent planning is well worth the effort once you're enjoying your vacation. Developing a financial strategy is a similar process. You must determine where you're going and plan how you can get there. Otherwise, you may encounter problems or even get financially "lost" along the way. You may also be better able to adjust to changing circumstances and to implement a contingency plan, should the need arise. While there are many facets to financial planning, each is equally important to the overall success of your strategy. Depending on your age, goals, and financial resources, your approach will vary over time. Planning your day-to-day finances is an important first step in money management. Without a handle on your daily spending, you may not have the resources to meet your long-term financial goals. Develop a budget and stick to it to make sure you are not spending more than you are earning. Once you feel confident about your short-term finances, you can begin to consider your long-term goals. Another building block of your financial strategy is your ability to save. Undoubtedly, if you are able to save diligently, you may increase your chances for meeting realistic personal goals. Whether you are saving to buy a home, start a business, fund a child's education, or enjoy your own retirement, putting money aside on a regular basis is an important step toward preparing for your future. Without adequate Life and Disability income insurance coverage, how would your family maintain their standard of living should you die unexpectedly or sustain a disability? To protect your family's future, address insurance considerations with your professional advisors. Education is often the key to future success. However, the average price tag for one year at a private college or university continues to climb. Therefore, it has become more challenging to save for a child's education or to fund your own continuing education. The sooner you start, the longer your savings have to work for you. The retirement landscape has dramatically changed over the years. Today, individuals have a longer life expectancy; the future of government programs, such as Social Security, is uncertain; and retirement-plan funding responsibilities have generally shifted from employers to employees. In addition, taxes and inflation can gradually erode savings. Therefore, retirement assets need to work harder to meet retirement funding objectives. The many retirement savings vehicles have created an unprecedented variety of savings options. Along with this variety comes a vast amount of financial information that requires careful consideration when establishing your long-term financial goals. Transferring assets to future generations with minimal tax liability is an important goal for many individuals. There are tools that may help you achieve your desired results, such as trusts and wills. However, the complex nature of such estate conservation strategies often requires a coordinator to help ensure that your plans are consistent with your goals. Preparing for the future is a complex process that involves research and careful consideration of both your short and long-term goals. The time to start is now!
SAFEGUARD YOUR ASSETS GROW YOUR WEALTH AND PRESERVE YOUR ESTATE
S
ome people do not have the ability to begin saving for retirement early on. Others may have brushed retirement savings aside for so long that they are now worried that it’s too late to begin socking away money for retirement. While it’s best to start saving for retirement as early as possible, the good news is that it’s never too late to start planning for retirement. If your 40th birthday has long passed and you’re finally thinking ahead to retirement, consider these catch-up strategies.
EXPLORE YOUR FINANCIAL OPTIONS REDUCE YOUR TAXES
Rebounding from a late start to retirement savings
Leonard N. Katz, President CRC®, RFC®, CWM®
USE A TRUSTED ADVISOR When a family business doesn’t have enough cash to pay the IRS, non-liquid assets — whether a tiny corner store or a professional football team (i.e., Miami Dolphins-Joe Robbie) — need to be sold.
IT PAYS TO PLAN
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• Research tax-advantageous retirement savings plans. A financial planner can point you in the right direction, or consult with your employer about employee programs. Deposit money into a 401(k) or 403(b) plan or another retirement vehicle. Jump on any opportunities when your employer matches invested funds. Investigate an IRA and find out if there are any government incentives. Depending on your age, you may be able to deposit more money into such accounts than other investors.
• Cut back on expenses. Cutting back on unnecessary expenses is a great way to save more money for retirement. Figure out where you can save some money you can then allocate to retirement savings. Maybe you can reduce insurance coverage on an older car or raise your deductible? Downsize cable packages or skip that costly cup of coffee on the way to work. Perhaps it’s time to look for a smaller, less expensive home or a compact car instead of an SUV. Any money saved now will
benefit you when the time comes time to bid farewell to the workforce.
• Delay your retirement. Many people who retire find themselves bored and looking for ways to fill their time, and as a result more and more people are delaying their retirement, which also gives them more time to save for that day when they do call it quits. If you want to work less, discuss and negotiate a phased retirement with your bosses that allows you to stick with your employer but gradually work fewer hours until you retire completely. You may be able to work part-time for several years and retire when you’re most comfortable. • Consider more aggressive funds. Even if you are 50 you still have a few decades before retirement, which leaves lots of time to grow your retirement savings. But you may want to consider more aggressive funds that can help you catch up more quickly than less aggressive investments. Just know that aggressive funds may also leave you susceptible to substantial losses.
• Don’t amass debt. If you’re saving for retirement but only paying minimum balances on your credit cards, then you’re not really saving. Pay down credit card debt before you begin to set aside money for retirement. Delaying retirement planning may mean you have to work a little harder to build up a solid reserve. But by following some financial tips and persevering, you can still enjoy retirement with security.
News Times Newspapers, Friday, July 10, 2015 • living 50+
37
Keep your heart running strong into your golden years
H
eart health should be a concern for people of all ages, but especially so for men and women over 50. That’s because, according to the American Heart Association, even men and women who are free of cardiovascular disease at age 50 are at a significant lifetime risk of developing the disease.
But heart disease does not have to be an accepted byproduct of aging. For example, a 2014 study published in the AHA journal Circulation found that maintaining or increasing physical activity after age 65 can improve the heart’s wellbeing and lower risk of heart attack.
In addition to increasing physical activity as they age, older men and women who understand heart disease and learn to recognize its symptoms have a greater chance of minimizing its affects and lowering their risk of having a heart attack.
What are the symptoms of heart disease?
Heart disease is a blanket term used to describe a host of conditions, so symptoms vary depending on each individual condition. The following are some of the more widely known conditions and their symptoms:
• Hypertension: Also known as high blood pressure, hypertension is a largely symptomless form of heart disease. The AHA notes that the idea that hypertension produces symptoms such as difficulty sleeping, facial flushing, nervousness, and sweating is a misconception. Symptoms typically do not alert men and women to the presence of hypertension, highlighting the emphasis men and women should place on routine visits to the doctor’s office, where their blood pressure can be taken.
• Heart attack: The symptoms of a heart attack are different than the symptoms of heart disease that may lead to heart attack. The former can be found by visiting www.heart. org. Signs that you may be heading toward a heart attack include undue fatigue, palpitations (the sensation that your heart is skipping a beat or beating too rapidly), dyspnea (difficulty or labored breathing), chest pain or discomfort from increased activity. • Arrhythmia: Arrhythmia means your heartbeat is irregular, and men and women
often mistakenly believe arrhythmia only afflicts those who already have been diagnosed with heart disease or have had a heart attack. But arrhythmia can affect even those men and women who have healthy hearts and no history of cardiovascular disease. Symptoms of arrhythmia can vary greatly, from a single premature beat to a series of premature beats that occur in rapid succession. Arrhythmia that lasts long enough to affect heart function may include symptoms such as rapid heartbeat, fatigue, dizziness, lightheadedness, shortness of breath, and chest pain.
How can I protect my heart? Heart healthy habits take some effort, but men and women can protect their hearts regardless of their ages.
• Get sufficient exercise. At least 30 minutes of exercise per day can protect against disease. • Quit smoking. Smoking increases your risk for a host of ailments, including heart disease. Quitting is a great
way to start getting your heart and other parts of your body back on track.
• Include heart-healthy foods in your diet. A diet that is rich in fruits and vegetables and low in cholesterol, salt and saturated fat promotes heart health.
• Don’t drink alcohol to excess. Like smoking, drinking alcohol to excess can lead to a host of problems, such as high blood pressure, arrhythmia and high cholesterol, each of which increases your risk of heart disease. • Lose weight. Being overweight or obese is a major risk factor for heart disease. If you have already started to exercise daily and eat a more heart-healthy diet, then you’re on your way to losing weight. Consult your physician if diet and exercise don’t seem to be helping you to shed pounds.
Heart disease kills millions of people across the globe each year, many of whom are over 50. But men and women who learn about heart disease and how to reduce their risk stand a far greater chance of fighting the disease.
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38 living 50+ • News Times Newspapers, Friday, July 10, 2015
Pointers for adults returning to school
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oday’s seniors, particularly those who already have passed retirement age, may find themselves with many free hours to fill now that a job no longer accounts for most of their time. Returning to school may help seniors realize lifelong dreams of finishing a degree, exploring a hobby, getting educated to gain work in a new field, or just to fill some time in a productive way. Information from the United States Department of Education’s National Center for Education Statistics finds the demand for continuing education is still growing. For those aged 35 and older, the center says adult enrollment should grow by at least another 7 percent through 2016. It’s possible to return to school at any age. Adults looking at continuing education possibilities can heed these easy tips to make stepping into a classroom again successful.
• Get some help. Some time may have passed since you last toted textbooks or entered a classroom setting. Things have changed since you last were in school. Sit down with a guidance counselor or a career advisor and go over your schooling goals to plot out a degree map. This will help you determine which courses to take or what schools will best fit your needs. • Research schooling options. According to the National Survey of Students in Continuing Education, adult learners prefer post-secondary education that is affordable and close to home. Recognize that many schools now offer online learning, which may be ideal for you if you prefer to learn from the comfort of home. Decide what is important to
you in a school, then narrow down your prospects. • Schedule a campus visit. Tour the campus to get a feel for the school environment. Visit with someone in student services or attend an event for adult learners so you will know what the admissions process entails. • Get financial assistance. Scholarships, grants and other financial aid are not just for young students. You may be eligible for financial help. Speak with a financial aid advisor to determine your eligibility for programs. • Decide enrollment status. Do you want to go to school full time or part time or do you want to take classes here and there? Knowing in advance will help you develop the right schedule. • Take a few refresher courses. Rather than delve into the tough stuff right away, enroll in a few basic classes to ease yourself back into the academic environment. Then next semester you can increase the difficulty level and workload. • Be prepared for homework and study. You may have grown accustomed to being only accountable to yourself as of late. Once in school you will have assignments and tests. Plan for study time and develop a schedule to allow for school commitments. • Take it slow. There’s no race to the finish line. Going back to school is your decision, and you can go at your own pace. Adult students return to the classroom for many reasons. Involve family in the decision to continue education and embrace the positive changes that are in store.
News Times Newspapers, Friday, July 10, 2015 • living 50+
39
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40 living 50+ • News Times Newspapers, Friday, July 10, 2015
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GRACE BEAUTY SALON 1200A JERICHO TPKE. 2209 HILLSIDE AVE. NEW HYDE PARK, NY 11040 NEW HYDE PARK, NY 11040 516-616-5955 516-877-5955 www.gracebeautysalonny.com. Mon.-Sat. 10am-7pm â&#x20AC;˘ Sun 10am-6pm EYEBROWS & UPPERLIP - $5
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COLON CANCER AWARENESS SAVING LIVES
Colorectal cancer or cancer of the colon remains one of the few cancers that can be prevented through the use of routine screening tests. Despite this, it remains the third most commonly diagnosed cancer worldwide and the second most common cause of cancer deaths for men and women. Each year, thousands of lives are lost to this very preventable disease. Drs. Zimmerman, Anfang and Brunner have been working tirelessly to get this message out. They have state of the art offices with in-office endoscopy/colonoscopy suites in New Hyde Park and Howard Beach. we are affiliated with North Shore University Hospital in Manhasset, Long Island Jewish Medical Center in New Hyde Park and Mount Sinai Hospital in Manhattan. If youâ&#x20AC;&#x2122;re age 50 or older, having a colonoscopy can save your life. Regular colon cancer screening is the most powerful weapon in preventing colon cancer. Overall the lifetime risk of developing colon cancer is one in twenty (5%). A recent study in the Journal of Cancer found that the rate of colon cancer in Americans 50 and older have fallen 30% in the last decade as a result in the increase colon cancer screening. The process of screening has changed a great deal as well. Many patients have not been screened because of fear of the colonic preparation the night before. The preparation is now significantly easier and much moe palatable. Most patients leave the office with a smile. Beside colorectal screening, our practice is unique in many ways. We specialize in all diseases of the gastro-intestinal tract, including reflux, irritable bowel, colitis and painless hemorrhoid treatment. Dr. Brunner has advanced training in hepatology and treats patients with all types of liver and biliary tract disease. He also did an advanced fellowship in diseases of the pancreas, gall bladder and bile ducts - a field known as Interventional Endoscopy. New treatments available for Hepatitis C make this an ever expanding part of the practice. Start the screening process today! Make an appointment at one of our locations:
3003 New Hyde Park Road, Suite 306, New Hyde Park - 516-352-0022 or 157-02 Cross Bay Blvd., Suite 204, Howard Beach - 718-845-0909
News Times Newspapers, Friday, July 10, 2015 • living 50+ ADVERTORIAL
PEAK PERFORMANCE PHYSICAL THERAPY BALANCE FOR LIFE
Do you experience dizziness, vertigo, motion sensitivity or imbalance? Are you afraid of falling or recently fell and are suffering from the consequences? Peak Performance Physical Therapy’s Balance for Life program will stop your world from spinning out of control. Your initial visit begins with a comprehensive evaluation, using our state-of-the-art Frenzel Goggles to determine your vestibular deficits. Next, your therapist devises an individualized treatment plan to address your personal weakness in the areas of Gait & Balance. From there, each treatment is comprised of a one-on-one session in which your therapist challenges your balance and endurance in order to make you stronger and more independent. It is our goal to make you feel safe and secure. To make an appointment for an evaluation call our Lynbrook or New Hyde Park offices. We’re available to answer all your questions and concerns.
Peak Performance Physical Therapy
Specializing in Balance and Vestibular Therapy NEW HYDE PARK 1730 Lakeville Road New Hyde Park, NY 11040 516-326-4580 LYNBROOK 225 Merrick Avenue Lynbrook, NY 11563 516-599-8734
1730 Lakeville Rd. New Hyde Park, NY 11040 516-326-4580
225 Merrick Road, Lynbrook NY11563 • 516-599-8734 3961 Long Beach Road, Island Park, NY 11558 • 516-897-9700 1169 Wantagh Avneue, Wantagh, NY 11793 •516-785-4800
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