Just for Seniors Whittling Your Waistline Shedding pounds after 50
On the Hunt Job hunting tips for men and women over 50
Spending Savvy Avoid overspending as retirement nears
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Acute Rehabilitation Hospital
Any physician visits every 30 days, minimum
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These foods may help prevent cancer
ancer is a potentially deadly disease that does not discriminate based on a person’s age, sex, ethnicity, or social status. Though anyone can get cancer, the National Institute on Aging notes that a person’s risk of getting cancer increases with age, even if that person has no family history of cancer. That reality highlights the importance of routine cancer screenings for men and women age 50 and older. While screenings are an important part of detecting and treating cancer, those over 50 should know they can take certain measures to possibly prevent the onset of cancer. For example, including certain foods as part of a regular diet may be effective at preventing cancer. Though there’s no way to guarantee a person won’t get cancer, the following foods may help lower the risk.
• Fatty Fish
Blueberries may help prevent the onset of neck and mouth cancers. That’s because blueberries are rich in antioxidants, which the American Institute for Cancer Research notes can protect cells from being damaged.
Fatty fish, including salmon, that is full of omega-3 fatty acids has been linked to a host medical benefits, including lowering a person’s risk of cancer and heart disease.
• Tomatoes: Tomatoes are loaded with lycopene, a carotenoid that numerous studies have indicated can reduce incidence of cancer, cardiovascular disease and macular degeneration. These studies have based their findings on tomato consumption and not on the use of lycopene supplements, which may or may not be effective at preventing cancer. Cooked tomatoes can improve the body’s ability to absorb lycopene, further enhancing its ability to protect the body against cancer.
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• Whole Grains:
Whole grains can help men and women control their weight, as they are lower in calories than more traditional options. But studies have shown that whole grains, which can be found in whole-grain and whole-wheat pastas, can also reduce your risk of colon cancer.
Though studies about the efficacy of coffee as a potentially preventive agent against cancer are ongoing, some studies have found that both caffeinated and decaffeinated coffee can lower a person’s risk of developing colon, endometrial and prostate cancer.
Simple ways to avoid overspending as retirement nears
Empty nesters can track their monthly expenses to ensure they aren’t overspending as they inch closer to retirement.
hen the nest is empty and the kids no longer need financial support, many men and women find themselves with some extra money in their budget. Fewer mouths to feed and no more college tuition bills can give parents a sense of financial freedom they may not have had since before starting their family. But that freedom can also lead to overspending, something that can put retirement in jeopardy if people are not careful. Though it’s understandable for men and women to splurge on a well-deserved getaway once the kids have finally left the house, it’s important for adults to ensure that such splurging does not become routine. The following are a few ways men and women with some newfound disposable income can avoid overspending and putting themselves in financial hot water as they get closer to retirement. • Pay with cash whenever possible. Swiping a debit card or credit card is certainly a convenient way to shop, but it can also be dangerous. Many people find it difficult to keep track of their spending when they use debit cards or credit cards to make their purchases. Using cash to make purchases, especially daily purchases like a morning cup of coffee, reduces the likelihood of overspending. This can help you get a better idea of how much money you’re spending and if there are any steps you can take to curtail that spending. An effective way to use cash is to withdraw money from the bank once per week and use that as your weekly supply of money. If you find yourself frequently running out of money each week, then you’re likely spending more than you should. • Keep a financial journal. Men and women who must adapt to having newfound disposable income may find it is not much different from younger men and women learning to manage their money when they first start working. Some of those lessons,
like saving more than you spend, might need to be relearned. One way to get a grip on your spending is to keep a financial journal to track your daily and monthly expenses as well as larger purchases like a new television. Write down the monthly expenses you know you have each month, such as a mortgage payment or a car note, and each and every purchase you make, including how much you spend on dining out each month. Do this for at least a couple of months. When you have logged several months’ activity, examine your journal to see if there are any expenses that can be trimmed to save money. • Don’t go overboard rewarding yourself. Once your last child has left the nest, the temptation to reward yourself with a luxury item or two might prove overwhelming. After all, raising a family and paying for college tuition has no doubt required substantial sacrifice on your part, so it’s well within reason that you want to reward yourself after all these years. Avoid overdoing it so your finances aren’t stretched too thinly. A vacation with your spouse is reasonable, but buying a villa overseas might be a little over the top. Luxuries can be nice, but they can also drain a budget. Your monthly expenses once the kids have moved out should be lower, so if you find your cost of living has increased now that your nest is empty, you might be forced to determine which of your expenses are luxuries and which are necessities. • Take advantage of your “experience.” Though accepting a “senior” discount might be a blow to your pride, it also can be a boon to your bottom line. Many establishments, including gyms, restaurants and movie theaters, offer discounts to men and women age 55 and older. This can help you save a substantial amount of money over time, and no one has to know you’ve started cashing in on your experience.
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be it with a charity or a professional organization, is a great way to revive your resume and continue to add accomplishments despite your unemployment. • Emphasize your age. Many unemployed men and women over 50 tend to look at their age as a hindrance that is preventing them from finding gainful employment. But your age can be an advantage, as many organizations find older applicants are more reliable and need less time to adapt than younger applicants with less experience. When emphasizing your age as a positive, don’t focus on job titles, which many other unemployed men and women your age likely highlight on their resumes. Instead, focus on specific achievements and accomplishments and reduce the emphasis you place on job tasks. Achievements hough the job market has improved in recent years, many tend to stand out above titles, and men and women over 50 likely have achieved more than younger, less men and women are still out of work. Perhaps most troubling, many of those people are age 55 and older who are fearful of an experienced applicants. uncertain future and a job market where they are seemingly overlooked. • Think small. Smaller companies wherein employees tend to wear many hats are more likely to value According to a 2012 study from the Government Accountability Office, experience than a larger company. By the age of 50, many professionals have vast experience in a host of the number of long-term unemployed people age 55 and older has more different positions, and that versatility is likely to appeal to a small company looking for employees who can than doubled since the onset of the recession. multitask. For many unemployed men and women over the age of 50, the harsh Finding a job after the age of 50 isn’t easy. But taking a broad approach and emphasizing as opposed to reality of a job market that does not value their experience or skill set is downplaying your experience might help you stand out among a crowded pool of applicants. deeply disconcerting. But as difficult as the job market can be for older men and women, it’s not impossible to find a job, though it might take some ingenuity and perseverance. • Don’t limit yourself. Those who were victimized by layoffs should expand their job searches to more than just their previous fields. While 201 Walnut Boulevard • Petersburg, VA 23805 it’s definitely a good idea to maintain contacts in your old field and www.interfaithadultdaycare.com • 804-732-3919 routinely look for openings in that field, it’s also a good idea to examine your skill set and experience and find a new field where these things apply. Chances are your years of experience are transferable to many Serving the Tri-Cities for 22 years. We are a regulated, non-residential facility serving adults in the community as a home away from home. Participants interact socially, share in stimulating activities, fields, and redirecting your job hunting efforts to a new line of work might yield opportunities you are not and receive physical assistance with dignity by an R.N. and a long-term care-giving staff. even aware existed. HOURS: Mon. – FRI. 8 AM – 5 PM • Embrace the 21st century. Many companies or organizations mistakenly assume that the digital age We welcome any adult, 18 and up, with disabilities needing intermediate care. has passed older workers by. Workers in their 50s might be unfairly categorized as dinosaurs with no grasp • Supervision and/or assistance • Hot Meals and snacks of mobile technology or the latest software programs. But those applicants who can demonstrate their with medications • Reality orientation proficiency in the latest technologies, including mobile technologies like smartphones, tablets and social • Constant Monitoring • Recreation management media, can put themselves above fellow applicants. • Health screenings • Range of Motion, gait training • Start working. If you are mired in long-term unemployment and spend every day at home, get out and (blood pressure, temperature, weight, blood sugar) • Supervision of grooming and personal hygiene start working. Volunteering is a great way to lift your spirits, network with other professionals and maybe • Counseling, Dietary consultation nurturing environment. even learn of employment opportunities you won’t hear about on the couch at home. And volunteering,
Job hunting tips for men and women over 50
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Treat sleeplessness with vitamins & supplements
illions of people around the world battle insomnia. Sleeplessness may be a byproduct of different conditions, and treatment may depend on the underlying cause of the insomnia. Many people find using all-natural supplement therapy is enough to ward off sleeplessness. Insomnia is more prevalent among elderly individuals and women. Elderly people are more likely than younger ones to have medical conditions that may cause pain at night or to take medication that can interfere with a good night’s rest. Some research suggests that men lose about 80 percent of their deep sleep between the ages of 16 and 50. For women, hormonal events often trigger sleeplessness. These can include menstruation, pregnancy and menopause. Individuals who are over the age of 50 may be more prone to anxiety, grief and depression which can cause sleeplessness. Although there are many different medications, be it prescription medications or over-the-counter drugs, to alleviate symptoms of sleeplessness, some people prefer to not take these medications due to the risk of dependency or the side effects associated with them. Hypnotics, which include the brand name Ambien, have been linked to morning drowsiness and even temporary amnesia, where individuals walk around, drive or even cook while under the medication and are unaware of what they are doing. Those who are looking for more natural approaches can use the following vitamins and minerals in conjunction with good sleep hygiene.
• Calcium and magnesium combination: Calcium and magnesium have been shown to relax the central nervous system, helping the body drift into sleep. According to Dr. William Sears, calcium helps the brain use the amino acid tryptophan to manufacture the sleep-inducing substance melatonin. It is important to note that a balanced ratio of calcium to magnesium helps calcium work properly. It is recommended to take 500 mg of calcium and 250 mg of magnesium once per day, later in the evening. This can be done after dinner or a few hours before going to bed for best results. • Vitamin B6: Vitamin B6, also known as pyridoxine, is a water-soluble vitamin required for the synthesis of the neurotransmitters serotonin and norepinephrine. It also helps with myelin formation. Those who are deficient in B6 find the peripheral nerves, skin, mucous membranes and the central nervous system can be affected. Taking 50 mg of vitamin B6 daily can help in the production of serotonin and promote sleep. It is believed to work well for people who struggle to stay asleep through the night. • Vitamin B12 and vitamin B5 combination: Taking 25 milligrams of B12, especially when supplemented with vitamin B5 (pantothenic acid), can be a successful sleeplessness remedy. Vitamin B12 deficiency is quite common and is a factor for many patients who suffer from insomnia, especially seniors. Vitamin B5 may also relieve stress. • 5-HTP: Serotonin is a key neurotransmitter involved in sleep and mood, and 5-HTP, or 5-hydroxytroptophan, is a precursor to serotonin. In several double-blind clinical studies, 5-HTP decreased the time required to get to sleep and to decrease the number of awakenings, according to HolisticOnline. It is recommended to take 100 to 300 mg, around 45 minutes before retiring for bed. • Melatonin: Although melatonin is the go-to supplement for sleeplessness because of its direct relationship with sleep onset and circadian rhythm in the body, some research indicates that melatonin supplementation may only be effective for those who are deficient in this hormone. However, it may be effective for the elderly person who naturally produces less melatonin as he or she ages. A report titled, “Melatonin in elderly patients with insomnia: A systematic review,” found there is sufficient evidence that low doses of melatonin improve initial sleep quality in selected elderly insomniacs. Melatonin doses ranged from 0.5 mg to 6 mg, and most participants took a single dose 30 to 120 minutes before bedtime. However, larger, randomized controlled trials with less strict inclusion criteria are necessary to yield evidence of effectiveness in geriatric patients who suffer from insomnia before widespread use can be advocated. Sleeplessness is something that can cause anything from mere annoyance to a long-term health problem. Older adults who are more prone to insomnia can consider a number of natural remedies to help get a better night’s rest.
Dr. Yiping Rao MD, MSc. Has been working for the citizens of the Tri-Cities and Southern Virginia since 2005 Gastroenterology Fellowship: Virginia Commonwealth University Health System Gastroenterologist Staff of Division of Gastroenterology, VCU/MCV Medical Center for many years.
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Glaucoma, a common but treatable disease any people expect some moderate loss of visual acuity as they age. Though some people
Get to know cataracts risk factors
s men and women age, they can experience certain physical changes and health challenges. Vision impairment is one condition that many associate with aging, and cataracts are a primary concern for those of middle-age and older. Today, more than 22 million Americans age 40 and older have cataracts. According to the National Eye Institute, by age 80, more than half of all Americans will either have a cataract or have had cataract surgery. Cataract is clouding of the eye’s lens that blocks or changes the passage of light into the eye. Normally the lens is clear, which allows light to pass through to the back of the eye, so that a person can see well-defined images. If a cataract forms and the lens becomes covered in an opaque film, light cannot pass through easily. The result will be fuzzy vision, almost like looking through a fogged-up window. If cataracts are not treated, an individual may eventually lose most of his or her vision. One or both eyes can be affected by cataracts. In the case of both eyes being compromised, one eye is usually worse than the other. The primary risk factor for developing cataracts is age. The older a person is, the greater their risk. However, there are several other risk factors as well. • Intense heat or long-term exposure to UV rays from the sun • Certain diseases, such as diabetes • Obesity • High blood pressure • Inflammation in the eye • Hereditary influences • Long-term steroid use • Eye injuries • Other eye diseases • Smoking Prevent Blindness America provides free information to the public on everything from cataract basics to tips on what to expect from cataract surgery. Visit preventblindness.org/cataract or call its toll free number at (800) 331-2020. And, as part of its new Healthy Eyes
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Educational Series, PBA offers a specific online module on cataracts, including a Power Point presentation and guide. The organization shares this information about cataracts: • Early symptoms of a cataract may include cloudy or blurry vision. • Lights may cause a glare, seem too dim or seem too bright. • Sufferers may also find it difficult to read or drive, especially at night. • Individuals may have to change their eyeglass prescriptions often. There are no medications or other treatment options besides surgery to correct cataracts. In the United States, cataract surgery has a 95 percent success rate, and patients often have 20/20 or 20/40 vision post-surgery. Cataract surgery is also the most frequently performed surgery, often performed as an outpatient procedure. In Canada, where, according to Statistics Canada, seniors will make up 21 percent of the population by 2026, cataract surgery is also frequent and well tolerated. Approximately 250,000 cataract surgeries take place in Canada each year, according to The National Coalition for Vision Health. It is widely recommended to get regular eye exams to check for cataracts early on. “By getting a complete, dilated eye exam, your doctor can discuss with you the best strategy to protect your vision well into the future,” said Hugh R. Parry, president and CEO of Prevent Blindness America. “We encourage everyone, especially those ages 40 and older, to make their vision a priority by scheduling an eye appointment today.”
Are all glaucomas the same?
What is glaucoma?
What are the symptoms of glaucoma?
can go a lifetime with 20/20 vision, many do need to get prescription eyeglasses as they age or get stronger prescriptions if they already wear glasses. Glaucoma is one of the more common vision issues men and women face as they age. Though anyone, including newborn babies, can get glaucoma, older people are at a greater risk. That’s important for men and women to know, as the Glaucoma Research Foundation notes that glaucoma is a leading cause of blindness, and roughly 10 percent of people who receive proper treatment will still experience loss of vision. Because it is so prevalent, glaucoma is something men and women should familiarize themselves with so they’re more equipped to recognize its symptoms and seek treatment, which is highly effective, as soon as possible.
Glaucoma is not a single disease but the name used to refer to a group of eye diseases that damage the optic nerve. Located in the back of the eye, the optic nerve is responsible for carrying information from the eye to the brain. Damage to the optic nerve can eventually lead to loss of vision.
How does glaucoma develop? One of the first things to happen when a person gets glaucoma is the loss of peripheral vision. This is enough to motivate many people to visit their eye doctor, who will then develop a course of treatment to restore vision. Those who experience a loss of peripheral vision but do not seek treatment may notice their overall vision is worsening, and total blindness can result.
Glaucoma is a group of eye diseases, and not all glaucomas are the same. There are three types of glaucomas, and each has its own set of symptoms. • Open-angle glaucoma: The most common form of glaucoma, open-angle glaucoma occurs when the optic nerve is gradually damaged. Eyesight will be slowly lost, and one eye may be more affected than the other. • Closed-angle glaucoma: When a person has closed-angle glaucoma, which is somewhat rare, the iris and the lens block the movement of fluid between the chambers of the eye, causing pressure to build up as the iris presses on the eye’s drainage system. • Congenital glaucoma: Congenital glaucoma is rare and most often affects infants at birth. Children and young adults can also get congenital glaucoma, though such instances are also rare.
The symptoms of glaucoma vary depending on the type. Vision loss is the only noticeable symptom of open-angle glaucoma, and that vision loss is likely to affect peripheral vision, which may not be noticeable until it’s severe because the healthy eye will make up for the loss. By the time sharpness of vision is affected, significant vision loss has likely occurred. Closed-angle glaucoma may cause mild symptoms or no symptoms at all. When symptoms do appear, they tend to do so in short periods that occur in the evening and disappear by morning. In some instances, symptoms can be severe and will require immediate medical attention. These symptoms include sudden and severe blurring of vision; severe pain, either in the eye itself or the surrounding areas; redness of the eye; nausea and vomiting; and possibly colored halos around lights. Symptoms of congenital glaucoma may be present at birth or develop as a child becomes a toddler. These symptoms may include watery eyes, sensitivity to light, an eye or eyes that appear cloudy and eyes that appear larger than normal because the eyeballs have enlarged due to pressure. A child may also be experiencing congenital glaucoma if he or she is frequently rubbing his or her eyes or squinting or keeping his or her eyes closed much of the time. More information on glaucoma is available at www.glaucoma.org.
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The caring funeral professionals at Bland Enterprises Inc. want you to know that we remain dedicated even more so now after 60 years of service to our families during their time of loss. Over the years we know the industry has changed, but the fact still remains that families need a trusted guide to walk them through their personal journeys of loss. Our staff is ready to assist you every step of the way. We listen to your wishes, and we make it happen. We are sensitive to your financial needs, and we will work with you to take the load off of your shoulders. We can even help you preplan your own personal funeral service to help take the stress off of your loved ones. Our staff is available 24 hours a day, 7 seven days a week.
Bland Enterprises Inc.,
“Where Courtesy Dwells and Service Excels!” Bland Enterprises Inc. Servicing the tri-cities area from two locations
William N. Bland & Son 137 Harrison Street, Petersburg, VA 23803
Turner-Bland Funeral Home 1500 Arlington Road, Hopewell, VA 23860
Funeral Directors/Managers Rev. William N. Bland, Jr. Mr. James I. Gay • Rev. Antonio Tucker M12
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These are not your grandmotherâ€™s retirement homes
s the Baby Boomer generation enters retirement age, there has been an increased demand for services that meet the needs of this segment of the population. Amenities such as active-living communities that boast top-of-the-line features typically are the first things individuals seek. Age-restricted, 55-plus communities cater to what the name implies â€” people who are age 55 and older. However, these home developments are a far cry from what they used to be. Now they rival some of the best resorts in their features and are designed entirely around the needs of a group of active, amenity driven people. Plus, considering there now are more Americans age 65 and older than in any other point in history, according to the U.S. Census Bureau, developers understand the benefits of catering to this group of people. Therefore, there are more high-end active-living communities now than ever before. There are many choices with regard to active adult retirement communities. Many of these developments boast everything from detached, single-family homes to villas to condominiums. These residences are built with the active adult in mind. Here are some of the benefits that these
An active lifestyle is at the heart of 55-plus communities. communities boast. Community companionship Due to the age-restricted nature of activeadult-home-developments, the residents are all in a similar age range, and may have similar interests. At a time in life when friendships from work may waver due to retirement, and older children may be busy with their own lives, these communities can help foster new friendships. Whether through community-sponsored activities or just through home proximity, residents can enjoy one anotherâ€™s company and never worry about feeling lonely into their retirement years.
much of the interior and exterior maintenance. That means should a pipe leak or the lawn needs mowing, maintenance staff rather than the homeowner will handle the problem. This peace of mind enables residents to pursue interests rather than worry about the upkeep on their homes. Many times the community is expertly manicured, helping to create an aesthetically pleasing environment.
may be worries about leaving the home unattended for a period of time. However, in 55-plus residences, homes may be in gated communities or have security patrols. Also, the sheer number of homes in a townhouse-style building can camouflage homes that are currently vacant, easing the minds of those who are planning on going away.
Many communities build activities into the living plan. Therefore, there may be a workout room, the game center, exercise classes, movie nights, and many other attractions to keep residents busy. Active-adult communities may be similar to all-inclusive vacations and cruises in that they have their own activities coordinator on staff. Should residents prefer solo activities, the property on which these homes are built are often created with recreation in mind. There can be walking paths or areas for cycling. Pools and spas are often part of the living package as well.
Some of the more exclusive communities may have staff who can help with everything from booking vacations to helping with moving details. There also are developments that offer transitional homes, and someone may be available to help with the transition from an active-style home to one that has nursing staff or assisted living offerings at that time in life when it is needed.
Low- or no-maintenance living One of the biggest attractions to active-adult living is that these homes are built to provide worry-free living. Included in the home ownership fees are provisions to take care of
Security Individuals who are no longer bogged down with work requirements may be more likely to take vacations or go visiting. In a traditional home, there
Active-living communities offer many of the features that recently retired people seek in homes that do not compromise on amenities. Individuals who are looking for comfortable, maintenance-free homes often seek out these developments for the convenience and services they offer.
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Shedding pounds after 50
easy. As a person ages, muscle mass tends to dwindle while body fat has a tendency to increase. Since fat burns fewer calories than muscle, weight gain as a person ages is bound to happen. But that doesn’t mean such weight gain is inevitable. In fact, men and women willing to make certain changes with regard to diet and exercise can shed pounds after 50 while preventing future weight gain.
Diet Men and women need fewer calories as they age. For example, men and women in their 40s may need as many as 200 calories more per day than they will when they reach their 50s. Counting calories might seem difficult, so men and women in their 50s and older who osing some weight is a Muscle-strengthening don’t think they can count calories goal for many people activities, including yoga, can can try to eat more low-calorie regardless of age. While help men and women over foods like fruits, vegetables and youngsters and young adults 50 lose weight and keep the whole grains. might be able to get away with weight off. Consuming fewer calories often a few extra pounds without requires changing dietary habits, suffering any significant not only with regard to what you’re consequences, older adults eating but also how you’re eating and even how you carrying some extra weight might be putting their shop for food. Men and women used to dining out overall health at considerable risk. for lunch every day can start bringing their own Shedding weight after the age of 50 is not always lunches so they can gain greater control of their daily caloric intake. For those who find they’re frequently too exhausted to cook each night, they can prepare meals in advance to have healthy, homemade meals waiting instead of always ordering takeout or delivery. When shopping for food, people should avoid doing so on an empty stomach so they’re less inclined to buy unhealthy snacks.
Exercise Exercise is another essential component to shedding pounds after 50, though
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men and women over 50 should always consult a physician before they begin a new exercise regimen. The Centers for Disease Control and Prevention points out that regular exercise can help older men and women prevent the onset of a host of ailments, including heart disease and diabetes. In addition, the CDC notes that regular physical activity as one ages helps muscles grow stronger, which increases the chances that an individual will be able to perform necessary daily activities without the assistance of others. Maintaining that independence into older adulthood is a goal for many men and women, and it’s a goal that’s far more realistic for men and women who exercise than it is for those who don’t. When coupled with a healthy, low-calorie diet, routine exercise can help men and women over 50 shed extra weight and keep the weight off once it’s gone. According to the CDC, older adults need at least 2 hours and 30 minutes of moderate-intensity aerobic activity, such as brisk walking, every week and muscle-strengthening activities on 2 more days a week. These muscle-strengthening activities should work all the major muscle groups, including the legs, hips, back, abdomen, chest, shoulders,
and arms. Muscle-strengthening activities include lifting weights, working out with resistance bands, exercise such as push-ups and sit-ups that use body weight for resistance, and yoga. Even gardening that involves digging and shoveling can be considered a muscle-strengthening activity. Weight gain is often an expected side effect of aging. But men and women don’t have to gain weight as they get older. Some simple dietary changes and a commitment to routine exercise is all it takes to shed weight after 50 and keep that weight off once it’s gone.
Brighton Manor Apartments Located in the historical section of Petersburg is accepting applications for immediate Move in. We are offering affordable 1 bedroom apartments, based on income. Senior Citizens 62 and older and younger with disabilities. Please apply during the hours of 10:00 am through 4:00 pm. Monday through Thursday
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Financial pointers for older, unmarried couples
Older, unmarried couples should make some financial decisions before deciding to cohabitate.
oving in together is something typically associated with young couples, but more and more unmarried men and women over the age of 50 are choosing to cohabitate. According to an analysis of 2012 U.S. Census data conducted by the Performance Reference Bureau, roughly 10 percent of the 15.3 million opposite-sex unmarried cohabiting partners in the United States are between the ages of 55 and 64, while 15 percent are between the ages of 45 and 54. Such figures indicate that living together as an unmarried couple is no longer exclusive to younger couples. The incentives for older, unmarried couples to cohabitate are similar to those for younger ones, but older couples should heed a few financial pointers before deciding to move in together. • Iron out the financial details ahead of time. Young couples who move in together often do so as a precursor to getting married. Such couples do not typically have much in the way of financial assets and, as a result, do not need to come to any formal agreement regarding their finances. Older couples, however, might be bringing a more substantial financial portfolio into the relationship, and these finances can complicate matters. Before moving in together, older couples should document their finances and how household expenses, including a mortgage if one exists, will be paid. Decisions regarding who will receive the tax breaks you might be eligible for when paying a mortgage should also be considered. Documenting your financial situation can protect your assets should you break up. If these arrangements are not documented, unmarried couples who break up could find themselves in a contentious financial battle not unlike couples going through a divorce. • Maintain some financial independence. Older, unmarried men and women who
choose to cohabitate with their partners should still maintain some financial independence after moving in together. A joint checking or savings account might work down the road, but initially keep these accounts separate to avoid any disputes. Keep paying your own bills, including car payments and credit cards, at the onset as well. • Update certain documents and policies. Upon your death, a partner with whom you cohabitate does not have the same legal rights of inheritance as would a spouse. As a result, it’s important for unmarried individuals who cohabitate with their partners to update their wills, especially if they have been cohabitating for an extended period of time and want their partner to be taken care of in case of their death. In addition to updating information regarding beneficiaries, older men and women might want to update certain information regarding their health, like who should take legal responsibility for medical decisions should one partner become incapacitated. In addition to updating your will, update any
Did you know?
he Baby Boomer generation is one of the most influential demographics in the world today. Boomers represent roughly 28 percent of the total population of the United States, according to “Baby Boomer” magazine, and this means they are the largest generational segment as well as the single largest economic group in the United States. They hold 70 percent of the U.S. wealth and are expected to inherit millions of dollars over the course of the next 20 years. Baby boomers comprise a population of adults who were born between 1946 and 1964. That makes boomers people who are between 49 and 67 years old. Many of these baby boomers have grown to be household names and influential individuals in all areas of business. Actor Brad Pitt is a baby boomer, as is President of the United States Barack Obama.
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existing life insurance policies and retirement benefits to include your partner if you so desire. • Discuss any changes with your family, especially any children. When you make changes to your will, those changes will affect your beneficiaries. Upon making these changes, discuss them with your existing beneficiaries so your partner does not have to deal with relatives whose feelings might be hurt upon your death. This might not be an easy discussion, but you will want your partner to have your family as a support system upon your death. Older, unmarried couples are choosing to cohabitate more and more. While the incentives to doing so are numerous, there are some precautionary measures couples should take before moving in together.
Director Peter Jackson, singer k.d. lang and business mogul Donald Trump all belong to the baby boomer generation. Here are some additional facts and figures about baby boomers: • Baby boomers have more discretionary income than any other age group. • Baby boomers own 80% of the money in savings and loan associations. • Baby boomers spend more money than other groups. • Baby boomers account or nearly half of all consumer demand. Baby boomers have been known to have an unprecedented impact on American culture, society and the economy, and that influence is bound to continue for several more years.
How to make informed healthcare decisions
he typical healthcare patient has changed in recent years. No longer are individuals putting all of their healthcare decisions into the hands of nurses and doctors. Patients are more informed than ever before and are interested in taking a more active role in their own care. Thanks to the Internet, people are able to access information that, in the past, was not easily available. A few decades ago, medical data may have been elusive and filled with confusing jargon the layperson might not have understood without a crash course in biology. However, today there are different Web sites that clearly spell out information about certain illnesses and diseases. This means that patients may no longer be walking blindly into appointments with doctors. Facing an illness is never easy, and the decision-making abilities could be hampered by emotions and the desire to improve as quickly as possible. Patients who do not have all of the facts may have to rely solely on the expertise of caregivers and physicians when making important healthcare decisions. By knowing the avenues of information, a patient can find assistance with careful decision-making. While learning about an ailment is important, there are some things to consider. • The Internet isn’t foolproof. Many online medical sites are very reliable and offer a wealth of pertinent information. They can be good starting points when seeking out information on a particular condition.
It is in your best interest to visit sites that are wellknown and monitored by respected medical affiliations. Other sites may be peppered with exaggerated claims or misinformation. Therefore, do not go by online information alone. • Don’t self-diagnose. It can be easy to use the Internet as a means to narrowing down symptoms and making assumptions about what ailments you may have. Instead of using the Internet to self-diagnose your condition, leave the diagnosis up to your doctor and rely on online information after you are diagnosed. This can improve your understanding of the condition and any potential treatment options. • Seek other avenues of information. You should never hesitate to seek a second opinion or go to a published medical journal to find out more about a condition. You have rights as a patient to be comfortable with the advice doctors give and be as involved in your treatment as you want to be. • Online forums could be more harm than help. Many people turn to online forums and blogs to gain more insight into particular diseases. While these forums may be good sources of support, information published on these sites could be misleading, inaccurate or unsafe. Before trying any proposed treatment, it is best to consult with your doctor. Having a general knowledge of a medical condition can enable healthcare consumers to make more informed decisions about their situations.
Do You Know Someone Who Needs Help With Mobility?
The Mobility Supercentertm can help! We empower people to stay in their homes and maintain a busy calendar of activities; from work and grocery shopping, to ballgames and family outings. We believe that no one should have to give up their lifestyle because of mobility issues. • Need a ramp, stairlift, or elevator at home? • Need a Wheelchair Accessible Vehicle (WAV)?
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From the beginning, Mobility Supercenter has offered caring, personalized attention to make a difference in their customer’s lives. Personal service is what continues to set us apart and this high level of service is also what’s allowed us to become a respected part of so many families. Mobility Supercenter works hard to educate people on the wide range of products available; we continue to be amazed by the number of people who don’t know these products or services even exist... We want to change that! The following are some examples of what we deliver: New and Pre-owned “Wheelchair Accessible Vehicles” • • • •
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Morris Cardiovascular & Risk Reduction Center (MCRRC) is a top-rated facility where individualized attention is provided to maximize your overall health and wellness. "We Prescribe Solutions That CREATE Health, Not Manage Disease”. - Clifford V. Morris MD MCRRC is dedicated to the prevention and treatment of coronary disease, and has served the cardiac needs of the Tri-Cities by providing state-of-the-art care and services. We tackle heart and vascular disease from several fronts — from prevention and screening to the newest treatments in cardiology. MCRRC has the first medical fitness program in the area that is a part of the overall care which is open to our patients and the community. The Morris Cardio Champion’s Program offers people the most advanced and proven methods for preventing heart disease and enjoying a healthy life. We are now offering weekly classes. All classes are free to our Morris Cardio Champion’s Fit Members, and $15.00 for non-members. Our medical and fitness staff is trained to support you on your journey to a new heart healthy lifestyle. We will help you every step of the way. Please call us for more information.
228 Johnson Creek Drive Chester, VA 23836
ELEGANT LIVING WITH EXCEPTIONAL CARE
Magnolia Hall Opening Summer of 2013!
The Petersburg Home for Ladies is pleased to extend the Tri-Cities premier residential and assisted living facility to incorporate our new memory unit “Magnolia Hall”. All inclusive rates - no additional level of care fees with physical or mental status decline.
804-733-0148 311 SOUTH JEFFERSON STREET • PETERSBURG, VA 23803 www.petersburghomeforladies.org
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Please contact Mrs. Teresa Weeks, Administrator, for more information and a tour. Visit our website and find us on Facebook. M18
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PEACE OF MIND.
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COLONIAL HEIGHTS LOCATION NOW OPEN Each and every day, we care for thousands of dialysis patients throughout many communities in the United States. Weâ€™re proud to add Colonial Heights and its neighbors to that list. Come discover a new way of living today. U.S. Renal Care Colonial Heights Dialysis, on the Boulevard 1617 Boulevard, Suite B&C | Colonial Heights, Virginia 23834 | 804-520-1627 | U S R E N A L C A R E . c o m Just for Seniors
A Team of Dedicated Healthcare Professionals. Our goal is to get you back to doing what you love to do !
Tyler’s Retreat at Iron Bridge
12001 Iron Bridge Road, Chester, VA 23831 804-706-1023
• Post Surgery & • Physical Therapy Orthopedic Rehab • Occupational Therapy • Skilled Nursing • Speech Therapy
Ivy Ridge A Assisted i d Li Living Center (formerly Greenfield Assisted Living)
590 Flank Road, Petersburg, VA 23805 804-861-6977 • Comfortable & Affordable in • Help with Activities a Traditional of Daily Living Home-like Setting
Vista Park M Memory C Care Center (formerly Greenfield Reflections)
550 Flank Road, Petersburg, VA 23805 804-861-4358 • 24 hour Dementia Care • Long-term & Respite in 3 Progressive Care Care Available Neighborhoods Let’s schedule your tour today! Janet Fisher Callis 804-704-1510 • Call & let’s talk about it! M20
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