Looking Forward 8-7-2015

With informative features on finance, health and wellness, retirement living and more!

Looking ForwardPlanning for Life After 50

Friday, August 7, 2015

2 | Looking Forward | Friday, August 7, 2015

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(BPT) - Americans may have faith in the Social Security system, but many still don't really understand how it works. That's a key take-away from a recent survey of Americans' knowledge of Social Security retirement benefits. While 63 percent of respondents said they do believe Social Security benefits will be available to them when they retire, many were confused about who qualifies for benefits, how much they'll be eligible to receive, and when they can start drawing benefits without penalty.

The survey, by Massachusetts Mutual Life Insurance Company (MassMutual), included a true/false quiz about Social Security facts. Just 28 percent of those surveyed scored a passing grade, and only one person out of the 1,500 polled was able to answer all survey questions correctly. The survey results illustrated a significant lack of knowledge about Social Security, including:

• Although 75 percent of those surveyed thought being an American citizen is a requirement to receive Social Security retirement benefits, this is not the case. Non-citizens lawfully living in the U.S., and who have permission to work here, can obtain a Social Security number, pay into the Social Security system and draw benefits.

• More than seven in 10 respondents mistakenly thought that 65 is the age when everyone can begin drawing full retirement

benefits. Actually, your full retirement age depends on what year you were born.

• Fifty-five percent of those surveyed incorrectly believed they could continue working during retirement while collecting full Social Security benefits, regardless of their age. If you work during retirement, but have not yet reached your full retirement age, your Social Security benefits may be reduced if you earn too much. Once you reach full retirement age, those withheld benefits will be repaid over your lifetime.

"Perhaps the greatest Social Security deficit in this country is the lack of education around the retirement benefits of the program," says Michael R. Fanning, executive vice president, U.S. Insurance Group, MassMutual. "With millions of Americans nearing retirement each year, many may be at risk of underutilizing a critical component of their retirement income stream."

Still, some good news emerged from the survey. Americans seem aware that Social Security should be only one component of their overall retirement savings plan. Just 39 percent said they expected to rely more on Social Security than their personal savings or income during retirement, and just 15 percent expected to rely solely on Social Security.

You can test your Social Security knowledge by

taking the MassMutual quiz.

Here are some Social Security facts to help improve your knowledge:

• No single filing strategy works for everyone filing for Social Security benefits; there are just too many variables. For example, a married couple may have hundreds of options for filing for Social Security retirement benefits.

• Americans are living longer. It's no longer sufficient to plan for just 10 years of retirement. You may well need savings and income to carry you for three decades or longer.

• While Social Security can be an important component of your retirement plan, you need to have other income as well. Under- or over-valuing your Social Security retirement benefits could keep you from getting a true picture of your retirement savings plans. A qualified financial professional can better help you understand how Social Security fits into your personal situation.

For additional information on saving for retirement and Social Security benefits, visit MassMutual.com/SocialSecurity or the Social Security Administration.

What you think you know about

Social Security may be totally wrong

Friday, August 7, 2015 | Looking Forward | 3

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(ARA) - Hearing loss affects more than 34 million Americans. If detected early, it may be a preventable chronic disease. Here are 10 ways to help prevent, delay or reduce the extent of hearing loss.

1. Noise exposure. Are you one of the more than 22 million American workers exposed to excessive levels of noise in the workplace? Are you one of those listening to iPods, shooting firearms, riding motorbikes, or working with lawn and garden tools? These devices are causing hearing loss at alarmingly high rates. Most noise is painless, progressive, permanent and preventable. Noise exposure is the second most common cause of hearing loss worldwide and is the most preventable. You should wear hearing protectors or avoid exposure to loud sounds. Turn down the volume and reduce the length of time you listen to your iPod or mp3 player. Studies show that people who wear noise canceling or noise reduction earphones with iPod or mp3 players typically listen to music at safer levels.

2. Cotton swabs. Why take a chance on making matters worse? Cotton swabs and ear candling are unhealthy practices to remove earwax, to clean or scratch your ear canals. Don’t use cotton swabs to clean inside your ear canal. It can push the earwax in further and you could puncture your eardrum.

3. Smoking. Smoking tobacco and second-hand smoke can contribute to hearing loss. Studies suggest that chronic nicotine exposure impairs the brain’s ability to “hear” and interpret sound. Along with the other reasons

to stop smoking, you can reduce your likelihood of greater hearing loss if you quit or stay out of smoky places.

4. Diabetes. Diabetics are twice as likely to have hearing loss. Eating a healthy diet, maintaining proper weight and daily exercise can help you avoid type 2 diabetes.

5. Alcohol. Too much alcohol can contribute to permanent hearing loss. Recently, researchers found that drinking 2 beers in a half an hour can cause temporary hearing loss for up to 16 hours.

6. Solvents. Avoid organic solvents. Organic solvents (such as styrene and toluene) are commonly found in paints, lacquers and industrial printing inks. Studies have shown that these substances have a negative effect on your hearing.

7. Medications. There are at least 96 different drugs that may cause permanent or temporary hearing loss. When you stop taking aspirin and aspirin-containing drugs, your hearing may come back. Excessive use of Nonsteroidal Anti-Inflammatory Drugs (NSAIDS), cisplatin (a cancer drug) and erectile dysfunction drugs can also cause hearing loss.

8. Antioxidants. Antioxidants and vitamin supplements may help prevent hearing loss. Hearing loss due to aging may be prevented with a combination of antioxidants, mineral and vitamin supplements such as folic acid and magnesium. A healthy diet of fruits and vegetables and meats may protect hearing in later life.

9. Your heart. Maintain a healthy cardiovascular system. There is a strong correlation between heart health and good hearing. Newly published reports show that a healthy cardiovascular system increases the likelihood of maintaining hearing, particularly among older adults.

10. See an audiologist. If you think you may have hearing loss, an audiologist will test, monitor and offer solutions to help you function better. An audiologist is a licensed health care provider who is trained to diagnose and manage your loss, as well as offer preventative measures. To find an audiologist in your area go to www.audiologyawareness.com or call (888) 833-EARS (3277).

The Audiology Awareness Campaign, a nonprofit foundation aimed at providing the public with information on hearing loss, is sponsoring the 4th Annual “Listen Up America Week” May 9 to 13, 2011, where audiologists will offer free hearing screenings nationwide.

“By offering free hearing screenings throughout the United States, we have the ability to reach many Americans who might otherwise not have access to licensed audiologists,” says Dr. Kathy Landau Goodman, chairperson of the Audiology Awareness Campaign. “Now these individuals will have access to audiologists who can evaluate their hearing, determine whether they have hearing loss, and then make appropriate recommendations for treating their hearing problems.”

Hearing Help’s

(ARA) - Hearing loss affects more than 34 million Americans. If detected early, it may be a preventable chronic disease. Here are 10 ways to help prevent, delay or reduce the extent of hearing loss.

1. Noise exposure. Are you one of the more than 22 million American workers exposed to excessive levels of noise in the workplace? Are you one of those listening to iPods, shooting firearms, riding motorbikes, or working with lawn and garden tools? These devices are causing hearing loss at alarmingly high rates. Most noise is painless, progressive, permanent and preventable. Noise exposure is the second most common cause of hearing loss worldwide and is the most preventable. You should wear hearing protectors or avoid exposure to loud sounds. Turn down the volume and reduce the length of time you listen to your iPod or mp3 player. Studies show that people who wear noise canceling or noise reduction earphones with iPod or mp3 players typically listen to music at safer levels.

2. Cotton swabs. Why take a chance on making matters worse? Cotton swabs and ear candling are unhealthy practices to remove earwax, to clean or scratch your ear canals. Don’t use cotton swabs to clean inside your ear canal. It can push the earwax in further and you could puncture your eardrum.

3. Smoking. Smoking tobacco and second-hand smoke can contribute to hearing loss. Studies suggest that chronic nicotine exposure impairs the brain’s ability to “hear” and interpret sound. Along with the other reasons to stop smoking, you can reduce your

likelihood of greater hearing loss if you quit or stay out of smoky places.

4. Diabetes. Diabetics are twice as likely to have hearing loss. Eating a healthy diet, maintaining proper weight and daily exercise can help you avoid type 2 diabetes.

5. Alcohol. Too much alcohol can contribute to permanent hearing loss. Recently, researchers found that drinking 2 beers in a half an hour can cause temporary hearing loss for up to 16 hours.

6. Solvents. Avoid organic solvents. Organic solvents (such as styrene and toluene) are commonly found in paints, lacquers and industrial printing inks. Studies have shown that these substances have a negative effect on your hearing.

7. Medications. There are at least 96 different drugs that may cause permanent or temporary hearing loss. When you stop taking aspirin and aspirin-containing drugs, your hearing may come back. Excessive use of Nonsteroidal Anti-Inflammatory Drugs (NSAIDS), cisplatin (a cancer drug) and erectile dysfunction drugs can also cause hearing loss.

8. Antioxidants. Antioxidants and vitamin supplements may help prevent hearing loss. Hearing loss due to aging may be prevented with a combination of antioxidants, mineral and vitamin supplements such as folic acid and magnesium. A healthy diet of fruits and vegetables and meats may protect hearing in later life.

9. Your heart. Maintain a healthy cardiovascular system. There is a strong correlation between heart health and good hearing. Newly published reports show that a healthy cardiovascular system increases the likelihood of maintaining hearing, particularly among older adults.

10. See an audiologist. If you think you may have hearing loss, an audiologist will test, monitor and offer solutions to help you function better. An audiologist is a licensed health care provider who is trained to diagnose and manage your loss, as well as offer preventative measures. To find an audiologist in your area go to www.audiologyawareness.com or call (888) 833-EARS (3277).

The Audiology Awareness Campaign, a nonprofit foundation aimed at providing the public with information on hearing loss, is sponsoring the 4th Annual “Listen Up America Week” May 9 to 13, 2011, where audiologists will offer free hearing screenings nationwide.

“By offering free hearing screenings throughout the United States, we have the ability to reach many Americans who might otherwise not have access to licensed audiologists,” says Dr. Kathy Landau Goodman, chairperson of the Audiology Awareness Campaign. “Now these individuals will have access to audiologists who can evaluate their hearing, determine whether they have hearing loss, and then make appropriate recommendations

Hearing Help’s10 ways to prevent hearing loss


(BPT) - Separating fact from fiction can be difficult, especially when it comes to information about your health. Cutting through the Internet clutter and opinions from friends to uncover the truth is key to keeping the mind and body well.

Dr. Jennifer Johnson, naturopathic doctor at Bastyr University School of Naturopathic Medicine, offers her expert insight into five of the most common health myths.

Myth 1: Omega-3 fatty acids increase the risk of prostate cancer.

A new study does not support the reported association between omega-3 fatty acids and the risk of prostate cancer put forth by a widely publicized 2013 study. By disputing these findings, the new study reaffirms that men can safely consume omega-3 fatty acids from dietary sources, or from supplements, and continue to reap the substantial health benefits of omega-3s. Learn more about the study at http://goo.gl/mwKSMM.

“Omega-3 fatty acids are vital to our health. They work to help lower inflammation, reduce risk of developing cardiovascular disease, lower triglycerides and blood pressure, and have overall positive effects on immune and brain function,” says Johnson. “The recent meta-analysis with respect to prostate health and fish oil does in fact show that men who take fish oil, either from dietary sources or supplements, are at no increased risk for prostate cancer.”

Johnson stresses that there is no known mechanism by which omega-3 fatty acids would increase the risk of prostate cancer. To the contrary, there is research suggesting that omega-3 fatty acids might inhibit prostate cancer cell growth.

Myth 2: Vitamin C prevents the common cold.

If you’re like many people, you reach for a bottle of vitamin C at the first sign of a cold. This is a good choice, as vitamin C is a potent antioxidant that boosts the immune system to fight off infection when you are sick. However, while vitamin C is a good option for treating a cold, it does not work to prevent colds before onset.

“Vitamin C has been shown to reduce the length of colds and can help treat symptoms,” says Johnson. “Though beneficial and quite safe, vitamin C has not been found to consistently prevent colds. If you do start to feel the sniffles, supplement with 500-1000 mg/day.”

Myth 3: Everyone should take a multivitamin each day.

Vitamins and minerals play a vital role in the normal functioning of our bodies, from skin and bone development, to brain and heart function. However, research is inconsistent when it comes to multivitamins so an individualized approach is best.

“One size does not fit all,” says Johnson. “Adding in all those nutrients in often a fairly low dose may not provide enough therapeutic benefit to help any one problem. To really target your health concerns using vitamins, see your health care provider to determine if there is a vitamin/mineral recommendation that is just right for you. Better yet, eating more fresh fruits and vegetables will provide your body with compounds and nutrients that truly do benefit the body.”

Myth 4: Most people get adequate vitamin D through diet.

“Vitamin D is essential for bone health, and

the actions of vitamin D are considered hormonal. This means that this compound truly has far-reaching effects on the body and has been shown to support immune function and improve mood,” says Johnson. “Studies show that this ‘sunny vitamin’ may also help to prevent cancer.”

When the skin is directly exposed to sunlight, vitamin D synthesis begins, explains Johnson. In order for enough vitamin D to be produced, the skin would have to be in direct sunlight most days for 20 minutes, which most people do not experience consistently. “Supplements are a good option for getting adequate vitamin D, but make sure to check with your doctor for proper dosage. I suggest the natural vitamin D3 form,” says Johnson.

Myth 5: An apple a day keeps the doctor away.

Apples are a good source of antioxidants and beta-carotene, which are very beneficial for overall health. They are also fiber rich, which promotes gut health. But apples are just one of many effective ways to fend off a visit to the doctor.

“First, sleeping enough sets the stage for good health, as sleep is the time for repair,” says Johnson. “Additionally, managing stress helps the immune system function best. When the body perceives stress, immune function goes down. Stress is normal, but having a balanced life will always promote health. Rest, exercise, keeping hydrated, maintaining a positive attitude and eating a balanced diet of whole foods is the true Rx for health.”

5 health myths

you shouldn’t believe


(BPT) - On family road trips, do you spend the entire drive listening to the music your kids prefer, playing their favorite games and generally doing everything you can to keep them content - and peaceful - in the car? It happens with the best intentions, but too often parents sacrifice their own enjoyment to keep the kids happy, thinking they can’t please everyone. But with some creativity and the right travel “tools”, it’s possible for everyone to enjoy the drive this summer.

Here are some ways parents can reclaim their fun on the family road trip:

* Expand musical horizons. Sure, you want everyone to connect with each other in the car and enjoy all the sights they’ll see. But it’s also okay to set aside some non-talk time. Pop in music they’ve never heard of and introduce the kids to different musical genres. Stop in at a Cracker Barrel Old Country Store and pick up a CD through their exclusive music program.

* Find an audio book that appeals to all.

Bestsellers, non-fiction, self-help and children’s titles - audio books offer a great way for everyone to participate in the fun, including the driver. Look for material with age-appropriate content if you’ll all be listening together. “Borrowing” books through an exchange service is a great way to access a variety of titles. Cracker Barrel, with convenient locations near major highways across the country, offers a service that allows you to get an audio book at one Cracker Barrel location and return it at any other Cracker Barrel in the country. When you return the audio book, you’ll receive a full refund less an exchange fee of $3.49 for every week you kept the book. Visit www.crackerbarrel.com to learn more.

* Introduce kids to games from your childhood. Playing games is a great way to pass time in the car, but if you dread the thought of playing one more princess- or shape-shifting-robot-themed game, why not introduce the kids to games you loved as a child? Many require nothing more than your imagination, like group storytelling or license-plate bingo.

Others like the low-tech classic peg game or Simon, the original electronic memory game you played as a kid, travel well in the car and provide challenging fun for all ages.

* Pack a snack bag with everyone in mind. Everyone will get hungry on the road, so if it’s not yet time for a stop, a snack bag can save the day. Pack with balanced nutrition and broad appeal in mind. Travel-friendly options like fruit and whole-grain snacks can be appetizing and satisfying. Be sure to toss in a few sweet treats for some extra fun. Look for nostalgic options that will appeal to kids while reminding adults of their own childhood, like Moon Pies orCracker Jack. Cracker Barrel carries a wide assortment of traditional favorites, so when you stop for a wholesome breakfast, lunch or dinner in the restaurant be sure to visit the retail store and stock up on some sweet treats for the road.

Tips for reclaiming some

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What is Funeral Prearrangement?Funeral prearrangement is planning and preparing in advance for the one inevitable thing in life. As the saying goes, there are two things that are certain in life…death and taxes. Though some people have found ways to avoid their taxes, it goes without saying that we have not as yet found a way to avoid death.

We know, too, that one of the most difficult times our families will ever face is the death of a loved one. Doesn’t it make sense to prepare as much as possible in advance so that we make this an easier time for them?

What are the Benefits of Prearrangement?Planning out funeral details in advance with the assistance of a professional is a completely free service we offer our community members. Many consumer groups highly recommend advance funeral planning because you are able to:

• Plan together as a family, rather than alone (after the death)

• Spare your loved ones from having to make difficult decisions

• Ensure your wishes are well-documented and carried out

• Help control costs and reduce emotional overspending

• Personalize your plan to reflect your unique personality

What are the Advantages of Prepaying?You may also want to seriously consider paying for your funeral arrangements ahead of time. This alleviates financial burdens and stress from your family at the time of death. Most families do not have the means to come up with $7,000 to $10,000 in a short amount of time following a death, and funeral services will not usually move forward until that payment is made. Taking care of your funeral funding in advance allows you to:

• Take the time now to make wise financial decisions for the future

• Make your decisions free of emotional stress and pressure

• Find a comfortable payment plan that fits your needs and budget

• Benefit from the convenience of funeral insurance (for qualifying individuals)

• Enjoy portability for your plan should you relocate

• Have peace of mind and no regrets

What Are the Reasons Not to Prearrange?Some people may have objections to prearranging their funeral services in advance, perhaps saying:

• It’s too uncomfortable to think of my own mortality

• My family doesn’t want to discuss it• I can’t afford to pay ahead of time• I don’t have the time• There are too many options…it’s just too

confusing

• I don’t want anyone to make a fuss over me when I’m gone

• I don’t care what they do with my body• I’ll just leave it up to them to decide

But when we really think about it, all of these objections start to look more like excuses, don’t they? Prearrangement is simply something we can’t afford not to do, especially if money is tight. Many families want only “the best” for their lost loved one, often spending hundreds or thousands more than necessary. We can avoid this when we plan a simple, sensible funeral ahead of time.

Prearrangement…A Priceless GiftFamilies who have had a loved one prearrange don’t really tend to say, “I wish Mom hadn’t done this.” Instead, they are grateful for the care and concern a parent or spouse showed. They are thankful that they didn’t have to make those difficult decisions alone. They are comforted in knowing that they are following the wishes of their loved one.

This is a gift only you can give…a final act of love for those you care about the most. There are many reasons why funeral prearrangement is a wise decision, both emotionally and financially, but perhaps most important of all, prearrangement gives you and your loved ones peace of mind knowing everything will be taken care of… and that is a priceless gift.


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How Does Venous Disease Relate to Varicose Veins?When veins are functionally normally, tiny valves open and close, keeping the blood flowing upward back to the heart. But these valves can fail, causing the blood to flow backward and pool inside the vein, often result in bulging, painful varicose veins. The failure of these tiny valves is called venous insufficiency, also known as vein disease.

Do You Have These Symptoms of Varicose Veins?If you have any of these most common symptoms, it’s important to be screened or examined for venous disease. Even spider veins, which are smaller and look like red or blue spider veins, could indicate that you have vein disease. You should be aware of any of these symptoms:

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(BPT) - A visit to the pharmacy can be about more than just picking up prescriptions or supplies for the medicine cabinet. It can actually be an important, and convenient, time to ask your pharmacist key questions that could impact your health.

Dr. Andria Fetterman, a faculty member in South University Savannah's School of Pharmacy, encourages people to use their pharmacist as a resource for information about everything from prescription medication to lifestyle changes. Fetterman says there are five key questions you should frequently ask your pharmacist.

What can I expect from this medication?Fetterman says whether you're picking up an over-the-counter remedy or a prescription, you should feel free to ask your pharmacist what to expect from the medication.

"Many medications have potential side effects that you should be aware of before you take them," advises Fetterman. "It may be something as mild as a little stomach discomfort or drowsiness, but knowing what to expect will help you handle any potential side effects. Also, knowing what to expect could keep you from blaming any new, unrelated symptoms on your medication."

You should also ask how long it will take for your medication to make you feel better. Fetterman says most antibiotics should have you feeling better in three to five days, but an anti-depressant may need to be in your system for three weeks before you begin to feel its

effects. If a prescription medicine doesn't seem to be working in the proper time frame, you should let your doctor know. Remember that sudden discontinuation of some medications, without proper professional advice, can be costly to your health.

How long should I take an over the counter medication before I call my doctor?Over-the-counter medicines can provide relief for a number of ailments, but sometimes you need to see a doctor either for a prescription or a correct diagnosis of your symptoms. Fetterman says your pharmacist can help guide you when you're not sure if it is time to see a doctor.

"A pharmacist can give you advice on how quickly you should see symptom relief with an over-the-counter medication," says Fetterman. "Many times, people will treat themselves too long with over-the-counter medicine or will switch from one product to another looking for relief, and many times don't go to a physician when they need to."

How do I manage my condition?"When someone leaves the doctor's office after a diagnosis, they may be scared or shell-shocked," Fetterman explains. "There may be questions about medication or daily management that they didn't think to ask. That's where a pharmacist can help."

Fetterman uses Type 2 diabetes and high blood pressure as examples. "A pharmacist can counsel you about weight loss, healthy eating and ways to promote cardiovascular activity. With proper disease

management, some patients can actually reduce or eliminate their need for prescription medication altogether."

Do these medicines mix?Fetterman says it is important to ask a pharmacist about whether any new medication will mix well with other things you are already taking.

"Dietary supplements, herbal supplements and over-the-counter medicines can interact or interfere with prescription medications. When you are having a prescription filled, your pharmacist should ask you about all other medications that you're taking. If you're on prescription medication, check with the pharmacist before beginning any new over-the-counter supplements or medication to make sure it is safe."

What should I do about my persistent, minor symptoms?Fetterman says you should never hesitate to ask a pharmacist about a persistent, minor symptom that might be bothering you.

"If you're having a non-specific or persistent symptom that you think is minor, you should still ask your pharmacist about it," says Fetterman. "A pharmacist can recommend an over-the-counter medicine that may relieve symptoms, but can also advise you to see a doctor about your symptom rather than ignoring it.

"A pharmacist can be a great source of health information. All you have to do is ask."

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More Americans than ever before are now older than 65, and in just four more decades, for the first time in history, there will be more seniors in the U.S. than people younger than 18, according to the U.S. Census Bureau. Given those numbers, is it any surprise that many families wrestle with decisions for how to take care of aging parents, grandparents and other loved ones?

"Deciding how to take care of an aging loved one can be a challenging, emotionally wrenching experience," says Danielle Russell, vice president of operations and business development for Assisted Transition, a network of independent consultants that help families find elder care. "The good news is that as the population of elders has expanded, so have elder care options."

Just 20 years ago, families might have had to choose between putting a parent in a nursing home or having one younger family member quit a job to stay home and care for the parent. Today, options abound and it's important to know what's available before making such an important decision.

Russell offers some background on seven of the top types of senior care:

Assisted living communities - Seniors who require assistance with daily activities such as dressing, eating or bathing may still wish to live as independently as

possible. Assisted living communities strive to provide an appropriate level of care while allowing residents to maintain as much independence as possible. Seniors who are no longer able to live completely independently, but who do not need nursing home, Alzheimer's or dementia care, may find this type of arrangement works for them.

Respite/short-term care - This type of care provides short-term breaks for families that may need elder care for a short time - a few hours, a day or a weekend, for example. Options can include an in-home skilled health assistant, an adult day program outside the home, or residential respite care facility.

Independent living communities - In these residential communities, seniors can live by themselves with minimal assistance for certain tasks and needs. Elders with mild mobility issues or forgetfulness might do well in this type of environment.

Rehabilitation centers - A senior recovering from a minor health issue may require extra care and therapy to regain the ability to live independently. Rehabilitation centers provide care as well as occupational, physical or speech therapy.

Dementia care - Dementia is a progressive disorder that weakens memory, impairs judgment and diminishes mental abilities. Elders experiencing dementia may need an increasing level of care.

Dementia care can occur inside the home or in a care facility.

Alzheimer's communities - A progressive, incurable cognitive disorder, Alzheimer's affects memory and mental abilities. Patients usually require a high level of care with everyday tasks, but may be in physically good health. Alzheimer's communities specialize in caring for patients who require this high level of care.

Skilled nursing homes - Licensed by the state in which they operate, skilled nursing homes provide the highest level of medical care outside a hospital. These round-the-clock residential facilities care for patients who require a high level of care, such as those who are bed-ridden or suffer from chronic health issues that require 24-hour access to medical aid.

Even the most diligent families may have difficulty sorting through all the elder care options and decisions they face during the stress-filled process of choosing care. Many seek advice and expert assistance, such as from Assisted Transition, that can help ensure their loved ones receive the best possible care for his or her needs. The organization offers information, resources and free placement services to families looking for senior care and housing options. Assisted Transition provides referrals to assisted living facilities, nursing homes, residential care homes, senior housing and other industry resources. To find a consultant near you, visit www.assistedtransition.com.

More options than ever for

families needing elder care


OAK CRESTDeKalb Area Retirement Center

Excitement is building and so are we.We are building 24 new 900’, 1200’ & 1500’ independent living apartments. Each completewith balconies, heated parking & access to our new onsite wellness center & pool. Moreimportantly we are building friendships and memories. We offer the guarantee of future careand peace of mind. Our independent living, assisted living & nursing care services are secondto none. Our goal is to meet and exceed your expectations. Now is the perfect time to makeplans for your future. Call today for a personal tour and to find out more about options to fityour lifestyle.

2944 Greenwood Acres Dr., DeKalb, ILFor more information call (815) 756-8461 or visit us on the web at www.oakcrestdekalb.org

Ask most adults where they would prefer to spend their golden years and they will probably tell you they plan to remain in their own homes. But ask those same people and they are likely to tell you they aren’t sure how they would manage if they could no longer care for themselves. They probably may not even know what options may be available to them.

For those people planning ahead for tomorrow and the unknowns associated with life, Continuing Care Retirement Communities (CCRC) may offer the best of the best. With options ranging from independent living to 24-hour nursing care, Continuing Care Retirement Communities are the answer for an increasing number of people planning for the future. For those sold on the idea of a Continuing Care Retirement Community, the following steps might make the process easier:

Prioritize Make a list of those things that matter most to you. For many people location is a key factor. The average person lives within fifty miles of their birthplace. Perhaps you enjoy a rural lifestyle, or proximity to family is important, maybe you enjoy the sights of the city or the atmosphere of life in a university town. If so, be sure to add these to your priority list. The list can be as specific as you want, but will go a long way in narrowing your search.

ResearchYou will be much more prepared if you do a little

homework before setting out. Many consumers will limit their search to not-for-profit organizations or those with a particular sponsorship or affiliation. Spend some time visiting with friends and then log on to the Internet. There is a wealth of information available. Most retirement communities have websites and many share photos, list amenities, services and contact information.

AccreditationSome continuing care retirement communities are accredited by the Commission for the Accreditation of Rehabilitative Facilities (CARF). Accreditation indicates to the public that the community has the financial resources necessary to meet the present and projected needs, has knowledgeable administrative staff, and provides sufficient financial information to residents and applicants. It not only provides assurance of quality and integrity, but it offers the public a standard for comparisons in evaluating retirement communities.

VisitThe retirement decision may be one of the biggest decisions you will make in your life. Take the time to visit the communities, talk with the staff, take a tour, and meet the residents. Many of the communities offer educational/entertainment programs open to the public. This is a great way to experience the community first-hand.

FeesGet a clear understanding of pricing and fees. Most communities have an entrance fee based on the size of the apartment/duplex and offer a refundable portion over a set number of years. The monthly fees vary widely from community to community, level of care and services and amenities. Also, ask for the community’s history of fee increases and a copy of their most recent financial audit. A reputable community will have this information readily available and will be more than willing to share it.

What if I outlive my resources?Many not-for-profit retirement communities have a charitable fund to provide life care to those who outlive their resources. Other types of retirement housing may discharge an individual when they exhaust their resources or require additional care. Knowing up front what you can expect when the time comes will go a long way in providing you peace of mind and future security.

There is a myriad of retirement living options available to consumers today. Taking the time to research and select the one that best meets your interests today and your needs of tomorrow is time well spent. For more information on choosing a Continuing Care Retirement Community, visit Oak Crest at www.oakcrestdekalb.org or contact Liz Hoppenworth at (815)756-8461.

Choosing a Retirement Community


(BPT) - Whoever said, “If you have your health, you have everything,” must have been retired.

That’s because retirees feel more financially secure when they’re in good health according to new research. And when they feel financially secure, retirees also report they’re enjoying retirement more, they feel fulfilled and are less likely to experience negative emotions.

The study, Health, Wealth and Happiness in Retirement (www.massmutual.com/healthwealth) is part of a larger research project conducted on behalf of MassMutual by Greenwald & Associates. The research split 905 retirees with at least $50,000 in assets into two subgroups: those who characterized their health as excellent or very good and those who characterized their health as good or poor.

“The message for both retirees and pre-retirees is that health has a major impact on satisfaction with life in retirement,” says Elaine Sarsynski, executive vice president of MassMutual Retirement Services. “We need to focus on our health as much as possible so we can enjoy life

to the fullest extent in our later years. While none of us can predict how healthy we will be in the future, we can help influence the outcome by making lifestyle choices that promote good health.”

Seven out of 10 retirees in better health say they feel financially secure compared to 51 percent of retirees in poorer health, the study found.

Retirees in poorer health were twice as likely to feel anxious about their finances and lack a sense of purpose, and three times more likely to feel lonely, the research found. Also, four in 10 retirees overall say they spend more on health care than they expected before retiring, with 43 percent spending more than $5,000 annually and 14 percent spending more than $10,000.

If you’re in retirement, or looking forward to retirement, maintaining a healthy lifestyle should be a goal to help you better enjoy your retirement years. An earlier study conducted by MassMutual and Greenwald & Associates, Hopes, Fears and Reality - What Workers Expect in Retirement and What Steps Help Them Achieve the Retirement

They Want (www.massmutual.com/retire), found that nearly half of all retirees retired sooner than they anticipated. This may mean that they are retiring at a younger age, and looking forward to enjoying their retirement years as much as possible.

Studies show that good health allows retirees to get out and enjoy life. Playing golf or tennis, spending the afternoon on a boat, or meeting with friends and family for lunch or dinner are all enjoyable activities retirees may have time to do. However, when a person falls ill, they may not be able to get out and enjoy the retired life as much as someone who is healthy.

“Our study focused on people in the first 15 years of retirement,” says Mathew Greenwald, president of Greenwald & Associates. “In many cases, serious medical issues arise after that, in older age. But even in the healthiest part of retirement, better health clearly has an impact on most people’s ability to fully enjoy retirement. Many of these issues will only be exacerbated for retirees as they age, which puts an exclamation point on the importance of wellness.”

Health trumps wealth

in importance to retirees’ well-being

(BPT) - You’ve earned your retirement, and while it’s a chance to relax and relish in your deserved time off, it’s still important to keep track of your finances, savings and budget. With that in mind, here are five ways you can maintain a healthy budget and enjoy your dream retirement.

Understand your expenses. Your life as a retiree is different now than it was during your employed years. Gone are the day-to-day working responsibilities; and here to stay is more free-time to explore hobbies and spend with friends and family. To learn how much money you’ll need for your new lifestyle, it’s a good idea to create a budget. Record all expenditures month-to-month, and assess where to add on or cut back. Make note of large expenses (trips or big purchases), but don’t disregard them as one-offs. It’s often a good idea to anticipate and save for the next big purchase.

Discover cost-cutting options. Whether in your home or out and about, it’s important to stay connected. However, standard cellphone plans can be expensive and often cause you to pay for services you’ll never

use. TracFone offers a more cost-effective alternative by offering you reliable service on the nation’s largest and most dependable network without any contracts or hidden fees. And, for retirees who are on-the-go, TracFone’s StaySafe No-Contract Mobile Bonus pack can ensure you’re keeping the lines of communication open and that assistance - if you should need it - is just a call away. Sold at Kroger, the plan includes a TracFone Big Easy Flip phone that makes dialing easy, 800 minutes, a year of service, a hands-free headset and a car and wall charger, and costs only $79.99 vs. a retail value of $149.99. To learn more about the cost-saving options available from TracFone, including the StaySafe bundle pack, visit www.TFStaySafe.com.

Stay healthy. Medical bills can get expensive very quickly, so maintaining good health is essential to managing your budget. Take a cooking class, join a gym or make positive changes to your diet. Anything you do to protect your good health will pay dividends in the years ahead.

Practice moderation. Budgeting can feel

constraining, but you don’t want to deny yourself the simple luxuries in your retirement. There’s no need to tighten the belt, but everyone can benefit from moderation. Instead of taking trips every year, plan for every other year. If eating out is your ideal treat, cut back to once a week as opposed to multiple nights out. Exercising moderation will help you manage your money and make those moments when you do indulge even more savory.

Control your debt. Don’t throw your years of hard work away by falling into the trap of debt. Keeping credit card use to a minimum is one way to protect against debt, and if you do have outstanding debt, allocate excess money to pay down debts with the highest interest rate first. Then, move on to the second-highest interest rate. This will reduce your overall debt more quickly.

By understanding your budget and planning accordingly, you’ll make the most of your retirement and establish financial security for the months and years ahead.

Budgeting tips to keep your golden years golden

Looking Forward 8-7-2015

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