Tuesday, June 11, 2019

Wine Region of New Zealand - A Baby Boomer Dream Trip to Canterbury

This week we have a very special guest post about New Zealand's Canterbury wine region, including information on the wineries you may wish to visit, as well as popular restaurants in the city of Christchurch.  The post was written especially for this blog by experienced kiwi tour guides at MoaTrek, a company which operates small group tours in New Zealand. 

The country of New Zealand is on the bucket list for many American retirees who have always dreamed of traveling south of the equator.  The New Zealand authors who wrote this post even provided several photos of tourists enjoying the food and wine in their unique part of the world, including the top photo with Lake Wanaka in the background.  

Since this blog has never had an article about this region, we are sure our readers will enjoy the article below.  Perhaps it will spur a few of you to explore New Zealand personally! Below is their post:


MoaTrek Wine Bucket List – Canterbury
If you love food, wine and unique travel experiences, New Zealand is probably already on your bucket list. You can get many big-name brands of New Zealand wine at your local restaurant or supermarket in a number of countries, but the most memorable experiences are created by visiting the remote but accessible corners of New Zealand’s wine regions, where you personally meet winemakers, drink the world's best wine, and eat meals to match. 
This New Zealand wineries guide for travelers has been written by experienced tour guides at MoaTrek, which has been running small group tours around New Zealand since the 1970s and, over that time, figured out where the best wines and wineries are. This article is a guide for overseas travelers planning a trip to New Zealand’s Canterbury wine regions, suggests the best wineries to visit, and recommends the best wines to try on your trip.

New Zealand is one of a group of ‘new world’ wine growing countries changing the global wine landscape - and while our viticulture history doesn’t go back as far as the traditional wine growing areas of Europe and the Middle East, it hasn’t taken long for New Zealand wines to gain a fantastic international reputation. As the youngest country on earth, our wine making history is relatively short; the first grapes were introduced by missionary Samuel Marsden in 1819, who remarked “New Zealand promises to be very favourable to the vine”.
The first larger scale wineries were established by Croatian immigrants around Auckland at the end of the 19th century, but it wasn’t until the 1970s and 1980s that the industry really started to develop. 
With warm summers, cold winters and good soil, Canterbury has a reputation for excellent and elegant Pinot Noirs, Chardonnays and aromatic wines, renowned for their rich flavour.  The Canterbury GI is very large, covering a 44,500 square kilometre (17,200 sq mi) region of New Zealand. (GI stands for the "Geographical Indications - Wine and Spirits - Registration Act" and
provides an international safeguard for New Zealand's geographic names in the wine sectors).
However, almost all of the region's vineyards are concentrated in a relatively small area around the city of Christchurch, prompting the establishment of two sub GIs within it, North Canterbury and the Waipara Valley. These are not the only wine producing areas you may wish to visit, with excellent wineries near Cheviot, Hanmer Springs and on the road to Akaroa producing well-regarded Pinot Noir; but the area around Christchurch is the area we will focus on in this article. 
The North Canterbury Wine Region is the top half of the larger Canterbury GI north of the Rakaia River in a small cluster of vineyards concentrated in 168 hectares (420 acres). The area plants Pinot Noir, Sauvignon Blanc, Riesling, Pinot Gris, and Chardonnay varieties.  Notable producers include French Peak (formerly French Farm), Melton Estate and Lone Goat, which is notable for producing well-reviewed Riesling from the vineyards originally owned by Giesen Estate and New Zealand's only Ehrenfelser wine. 
The main wine growing area of Canterbury is the Waipara Valley, north of Christchurch, and one of New Zealand’s newer wine regions, which began production in the late 1970s with Pegasus Bay.   The valley floor provides a warm micro-climate ideal for viticulture, with a rain shadow from the Southern Alps, low coastal limestone ridges and moderate, cool ocean winds to the east. 
Master of Wine Liam Stevenson has described Waipara as possibly the ‘most exciting place to grow Pinot Noir’, and it makes up the bulk of Canterbury's plantings (although there are also white wine varietals grown there).

Award winners from this region include Greystone Wines Pinot Noir, which has won the Decanter International Trophy and the Air New Zealand Trophy, and Black Estate, awarded the Trophy for Best Pinot Noir at the International Wine & Spirits Competition in 2010. 

Down-to-earth, warm and embracing, New Zealanders are known for their friendly hospitality... the perfect way to sample the top drops while relaxing in beautiful sunny settings and enjoying gourmet spreads.

How to Get to the Canterbury Wine Region of New Zealand

As the gateway to the South Island, many travelers will spend a night or two in Christchurch and take the opportunity to visit surrounding areas. Popular day tour destinations are Hanmer Springs, Kaikoura and Akaroa, which all have wineries on route to visit. You can drive yourself or take day tours from Christchurch. 

For real wine connoisseurs the Waipara Valley is on the way to both Kaikoura and Hanmer Springs. For those traveling South after crossing the Cook Strait by ferry, a stop-over in Kaikoura will be the perfect place to stay before visiting the Waipara Valley on the way South the following day. 

Canterbury wineries to visit:    
Pegasus Bay Winery, north of Christchurch
Terrace Edge Vineyard and Olive Grove in Waipara
Waiau River Estate in Hanmer Springs 

One Canterbury wine you have to try:
Mount Brown Estates North Canterbury Pinot Gris 2017

What to Eat in New Zealand

Being an island nation, New Zealand is big on fish and seafood. Our coastline is teeming with fish; local favourites include snapper, hapuka and the delicately-flavoured John Dory – best served lightly crumbed with lemon. One could say that fish and chips on the beach is a kiwi weekend institution! 

Scallops and mussels are restaurant staples, and delicious Bluff Oysters come into season during the New Zealand autumn. The rich waters off Kaikoura – an hour north of Christchurch – are famous for crayfish. In the Maori language, ‘kai’ means food and ‘koura’ means crayfish - and unsurprisingly, the local bounty you’ll find here is some of the best available in the world. (See the attached photo of koura, or crayfish.) One of the best ways to enjoy this delicacy is from one of the local ‘crayfish caravans’. These caravans are dotted along the coastline, selling freshly caught crayfish prepared with garlic butter and lemon. Devouring one of these beauties while sitting on the rocks looking out to sea has got to be one of the most quintessentially kiwi dining experiences you can have and certainly tops off a day of marine life encounters in this famous town.

Our Favourite Restaurants in Christchurch
Smack bang in the middle of the breadbasket of the nation and as the largest city in the South Island, Christchurch has always punched above its weight in the restaurant game. A lot of our guests finish their New Zealand trip in Christchurch, so a celebration dinner is called for!

Best overall - Cook'n with Gas - One of the most talked about restaurants in Christchurch. This award-winning bistro serves excellent modern New Zealand cuisine in a chilled out 1860s villa.

Best value - Shirley's Kitchen - Popular with university students, this Malaysian spot offers fantastic and affordable food. Try the Kampua, a mouthwatering dish that features noodles, BBQ pork and crispy onions.

Best takeaway - Burgerfuel - This iconic burger joint has locations all over New Zealand and the burgers are top quality - made with fresh, local ingredients such as 100% pure New Zealand grass fed beef and batch brewed tomato relish.

New Zealand has many other famous wine regions you may be interested in visiting like the Marlborough, Hawkes Bay and Central Otago. Check them all out here: 

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THANK YOU to the kiwi tour guides from MoaTrek for this fun information about what to eat and drink during a tour of the Canterbury wine region in New Zealand.  I hope some of my Baby Boomer readers decide to plan an adventure there.

For more information, check out this Amazon link to "The Rough Guide to New Zealand."

If you are interested in reading more about what to do after you retire, where to retire, financial planning, Social Security, Medicare, common medical issues after retirement and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credits:  New Zealand kiwi tour guides from MoaTrek 

Tuesday, June 4, 2019

Medicare Inpatient and Outpatient Hospital Stays - What are the Differences?

If you are on Medicare and are rushed to the hospital, you may be told by emergency room staff that they are admitting you to the hospital as an outpatient, or for observation.  If you are sick enough to be kept overnight in the hospital, you probably are not paying full attention to what is going on.  Your only concern is being treated for your condition and feeling confident you are getting the best possible care.  However, whether or not you are admitted as an inpatient or an outpatient does make a difference for your future care and could have a significant financial impact on you.  Here are a few things you and your family need to know.

Why You Might Be an Outpatient Rather than an Inpatient

What if you are rushed to the hospital with chest pain, but the tests performed by the emergency room doctor do not indicate you have had a heart attack?  Rather than sending you home, they may decide to keep you overnight for observation.  You may stay in a special observation unit or you could be in a regular hospital room.  You will spend the night, or even several nights, in the hospital, and will probably need to sign some paperwork, but you are listed as an outpatient, under care for observation. Other than that, your treatment will be the same as if you had been admitted as an inpatient, but the decision could affect both you and your hospital in other ways.

Why Does the Hospital Admit Patients as Outpatients?

The simple reason why this happens is because Medicare has rules governing who can be admitted as an inpatient, and these rules have become stricter because outpatient care is cheaper for Medicare.

In 2011, Medicare spent $690 million for outpatient care.  By 2016, that amount increased to $3.1 billion and has continued to rise since then.  Simultaneously, the cost of reimbursements for inpatient care has decreased.  Hospitals do not like these Medicare rules because they get paid about one-third less to care for an outpatient than they do an inpatient.  In most cases, the patients receive the same care, but the hospitals are paid less to provide that care.

Hospitals face stiff penalties from Medicare if they do not follow the strict guidelines for admission as an inpatient.  If the hospital is audited and Medicare determines they admitted people as inpatients when they should have been admitted as outpatients, the hospital has to return the full amount of the Medicare reimbursement they received.  In fact, in 2016, outside audits forced hospitals to return over $400 million to Medicare for incorrect Part A (hospitalization) charges.

More Procedures are Becoming Outpatient Procedures

Approximately twelve years ago, a neighbor of mine had knee replacement surgery. She spent three nights in the hospital and a week in a rehabilitation center.  Since she was an inpatient during the three night hospital stay, Medicare Part A covered her hospital expenses, as well as the additional week in the rehab center.  This was helpful to her recovery, since she lives alone and would not have been able to care for herself for the first week after her surgery.

In 2018, the rule changed.  Total knee replacements are now considered outpatient procedures.  Even though nothing has changed about the procedure or the required after-care, Medicare now reimburses hospitals less money and patients who cannot afford to pay out-of-pocket for a stay in a rehabilitation facility must find someone who will take care of them.

Even in situations when the hospital does have some discretion about whether the patient should be admitted as an inpatient or outpatient, many of them are hesitant to admit people as inpatients.  This is because Medicare penalizes hospitals when they admit someone as an inpatient and the patient is readmitted within 30 days.  If the patient is only in the hospital under observation, the penalties for re-admittance do not apply.

Hospital Admittance as an Outpatient can Hurt You Financially

At first, you may assume that it really does not make a difference to you whether you are admitted as an inpatient or an outpatient, as long as you receive the same care.  However, being an outpatient can hurt you financially.

If you are admitted to a hospital as an inpatient, you are covered under Medicare Part A.  If you are admitted as an outpatient under observation, you are covered under Medicare Part B.  Under Part B, you may be liable for up to 20 percent of the cost of your hospital stay, unless your Medicare Supplement (Medigap) or your Medicare Advantage plan covers this extra cost.

After you are released from the hospital, the financial pain may continue. If you need to go to a skilled nursing facility or rehabilitation facility after your discharge from the hospital, Medicare will not pay for any of the cost of the rehab if you were in the hospital as an outpatient or if you were an inpatient for less than three days.

On the other hand, if you were admitted to the hospital as an inpatient and spent at least three nights there, Medicare will pay fully for the first 20 days of skilled nursing care and partially for an additional 80 daysThe cost of skilled nursing can be substantial, so this is an important consideration for patients.

The rules regarding inpatient vs. outpatient hospital stays have saved Medicare millions of dollars in reimbursements to skilled nursing facilities.  In fact, it resulted in a decrease of 15 percent in skilled nursing days covered by Medicare between 2009 and 2016.  However, it also forced patients to either pay out-of-pocket for skilled nursing or do without it.

What Can Patients do to Protect Themselves?

Patients and their families need to understand the difference between an inpatient and outpatient hospital admittance.  If they believe they should be in the hospital as an inpatient, particularly if they expect to need skilled nursing care after they are released, they should appeal any decision to only list them as outpatients. Patients also need to set aside funds to cover the cost of skilled nursing whenever it is unlikely Medicare will pay for it.

In addition, you should ask in advance whether or not your Medicare Supplement or Medicare Advantage plan will cover any of the cost of skilled nursing care when you purchase your policy.  If not, you may want to set aside money for these types of events.

You may also want to check with Medicare.gov periodically, so you stay up-to-date on changes.

For more information on a variety of Medicare topics and issues, including ways the Medicare program could be strengthened, use the tabs or pull-down menu at the top of the page to find links to hundreds of additional helpful articles on Medicare, Social Security, where to retire in the US and overseas, financial planning, common medical problems and more.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit:  morguefile.com

Tuesday, May 28, 2019

Save Money During Retirement

The vast majority of Americans retire on a fixed income, which can get very tight over time.  As the years go by and the increases in their Social Security benefits turn out to be small or non-existent, it can become increasingly difficult to make ends meet.  This may cause stress and depression. While not all financial problems can be solved by continuing to tighten our belts, sometimes making a few changes can help stretch our dollars a little further.  As a result, I researched a number of sites for recommendations on how ordinary retirees can reduce their expenses.  Below are some of the ideas I discovered.

Money Saving Ideas after Retirement

1.  Cut out streaming services such as Netflix, Hulu and Amazon Prime.  If you are currently using all three, eliminating them can save you around $67 a month or $804 a year.  It will also protect you from the inevitable rate hikes.  If you must use a streaming service for your television entertainment, choose the least expensive one (which would be Amazon Prime in many cases) and prepay it each year to further reduce the cost.  In addition, with Amazon Prime you can get other amenities, such as free shipping on Amazon purchases, including the gifts you mail to your grandkids. Combined with using an antennae to watch local channels, you could find yourself with all the television options you want to watch. On the other hand, if antennas do not work in your area and the cheapest way for you to get your favorite TV shows is through Hulu rather than cable, then that could be your best option.  Just do your research, eliminate any unnecessary service, and make sure you are using the least expensive choice possible to enjoy TV.

2.  Do you really want to spend money on smartphone games?  Many people who use smartphones also spend an average of $7.25 a month on games.  Stick with free games and apps.  There are plenty of choices.  While you are at it, discuss your phone plan with your current carrier, as well as their competitors.  You may be able to save money by only paying for the amount of phone service you actually use!

3.  Eliminate subscriptions to newspapers and magazines. If you enjoy reading your news, download free news apps to your smartphone or follow your favorite news sources on Facebook and Twitter.  You can read all the major news stories through those sites and actually get the stories more quickly than waiting for tomorrow's newspaper.  This could save you $5 to $10 a month.

4.  Eliminate other subscription services, such as satellite radio.  Use free options like your local AM and FM stations or use Spotify and Pandora.

5.  Give up expensive coffee shops.  Our local Starbucks coffee shop is often full of retirees who enjoy meeting each other and chatting over a cup of coffee or a latte which could cost as much as $3 to $5 per beverage.  However, they could be going down the street to McDonald's and have the same conversations over a cup of $1 coffee.  Depending on how often they get together, saving a dollar or two a day could add up to a significant amount of money over the course of a year.

6.  Buy regular gas rather than premium, unless your car's owners manual specifically requires premium fuel.  The savings could add up over time.

7. Evaluate that annual membership at a warehouse store.  Do you really save enough to make the annual membership fee worthwhile?  How often do you use it?  Could you do just as well at your local grocery store by taking advantage of sales and coupons?  Spend a few weeks comparing prices and decide which is the best option for you.  If you discover that you use the warehouse store for more than just groceries, for example to fill your gas tank, replace your tires, purchase clothing, or for small appliances and gifts, you may decide to keep the membership.  Just make sure you are really using it.

8.  If you are retired and paying the full price for a gym membership, check with your Medicare policy.  Many of them offer free or extremely low cost gym memberships which could save you a substantial amount of money.  In many Medicare policies, these low-cost gym memberships are referred to as Silver Sneakers.  In addition, many local senior centers have exercise equipment and offer free or low-cost exercise classes.  Explore all your options and choose the one which costs the least and you are most likely to use.

9.  If you are still a smoker, give it up and reap the savings.  There are, of course, many other reasons to give up smoking.  However, if nothing else works, the fact that you could save as much as $200 a month, depending on how much you smoke, should be a good enough reason to give up this habit, especially if you are having trouble covering your expenses.

10.  Do you have other expensive habits or hobbies?  While no one wants to give up everything they love in order to survive during retirement, it could be worthwhile to explore less expensive options.  Are you taking guitar, piano, art or golf lessons?  Perhaps you could find free or low cost group classes rather than private ones.  Is your nearest golf course expensive?  Have you looked for a public course in your area?  Many cities offer free classes for senior citizens and have public pools, public tennis courses, public golf courses and other recreational facilities where seniors can participate for free or at a low cost.  Ask someone at your nearest senior center and see what they suggest.

11.  Reduce your debt payments.  Talk to your lender about refinancing your mortgage, if you have one.  If you believe your property tax assessment is higher than the actual value of your home, seek the help of a local Realtor and appeal it.  If you have a car payment, it is possible you may be able to refinance it through your bank or Savings and Loan.  If you are carrying a balance on your credit cards, see if you can transfer the balance to one with 0% interest for the first year, and try to pay off the balance within that time.  Check out every payment you make and see if there is a way to reduce it.

12.  Monitor your utilities carefully.   Lowering your thermostat a degree or two in the winter and raising it a couple of degrees in the summer could lower your gas and electric bills.  Reduce your water bill by taking shorter showers. You can make an even bigger difference by replacing some of your landscaping with drought resistant plants which require very little water.  Do you really need both a cell phone and a landline?  Eliminating the landline could save you $50 to $65 a month.  Making a few adjustments to your utility usage could reap large savings.

13.  Change your Medicare supplement to an HMO or try a Medicare Advantage plan.  Medicare beneficiaries have two choices in getting their Medicare benefits.  They can get basic Medicare and then buy a supplement OR they can get a Medicare Advantage plan.  In most cases, the Medicare Advantage plan is less expensive and often provides extra benefits, such as dental and vision insurance.  Talk to several insurance carriers in your area and compare the cost of their plans. Choices vary from state to state. You will also need to compare your co-pays, deductibles and drug costs.  After making the comparison, decide which plan will give you the best coverage for the least amount of money.  In many cases, a Medicare Advantage plan can save you several hundred dollars a month over the cost of basic Medicare with an additional premium PPO supplement.  If your income is low, you may also qualify for a combination Medicare/Medicaid plan. Be sure to ask about that, because the savings can be significant.

14. Evaluate the gifts you give your children and grandchildren.  Many senior citizens risk their own retirement because they are too generous with their adult children and grandchildren.  Even though you may want to help them, it doesn't benefit anyone if you end up becoming dependent on your children because you can no longer support yourself.  Keep that thought in mind when your children want to borrow money from you or ask for help with car purchases or college loans.  You can offer them guidance in finding other ways to finance the things they want, but you should not give them money that you cannot afford to lose. If you do, it will eventually only cause more problems for everyone.

15.  Don't forget to use AARP or AAA senior discounts.  Many restaurants, movie theaters and other organizations will give you a senior discount but, in most cases, you have to specifically ask for them.  Do not hesitate to ask!  If you belonged to a union or other professional organizations during your working years, you may also qualify for various business discounts. For example, my educator union membership provides me with a 10 percent discount on my monthly cell phone bill.  Take advantage of every discount you can find.

16.  Go to a Food Bank.  Most food banks do not ask you to fill out any financial information.  They will give a bag of groceries to anyone who shows up.  If you are faced with the choice between food and your medical expenses, a food bank may be able to provide you with the essentials.  Then, talk to your medical provider about how you can lower the cost of what you are spending on co-pays or prescription drugs. This is a choice no retiree should have to make.  

If you are looking for more ideas to save you money, you may want to use this Amazon link to the book "Minimalist Budget: Everything You Need to Know about Saving Money."  It has even more great ways to save.  Use the above link to check it out.  

Look for Ways to Increase Your Income

If the above actions still leave you short of money, you may want to talk to your local Social Security office and the Department of Social Services.  They may be able to help you get a housing voucher to lower the cost of your rent, add you to the waiting list for low-cost senior housing, provide you with SNAP (food stamps), or put you on Supplemental Security Income (SSI).

If your current income is too high to qualify for any of those programs, you may want to talk to your local Senior Center or state employment office about how to find a part-time job to supplement your retirement income.

If you own a home, you may be able to rent out a room, or rent out storage space in your garage or basement.  Even small increases in your income can help bridge the gap between your fixed income and what you need in order to live comfortably.

Budgets are tight for many senior citizens.  You are not alone.  Reach out to your senior center and local government agencies to get the help you need to balance your budget before you get too deeply in debt.

If you are interested in learning more about retirement planning, Social Security, Medicare, affordable places to retire in the US and abroad, and common medical problems, use the tabs or pull-down menu at the top of the page to find links to hundreds of additional, helpful articles.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit:  Google images / Smart thermostat

Tuesday, May 21, 2019

Hospice Care - What You Should Know

Baby Boomers are beginning to reach the age when they, their spouse, or their elderly parents may be nearing the end of their lives.  This new challenge brings with it a great deal of anxiety and uncertainty, as well as the possibility of pain and discomfort.  Although we would all prefer the end of our lives to be as easy and peaceful as possible, we are not sure how to bring this about.  One way to get the help you need is to call on hospice to provide assistance during the final months of life.

This week we have a special guest post by Lucille Rosetti from TheBereaved.org.  She has written a book called "Life After Death - A Wellness Guide for the Bereaved."  You can use the above link to her website to contact her for more information about her book.  In the thoughtful post below, she discusses common questions people have about hospice.

Three Questions to Ask When Considering Hospice Care

by:  Lucille Rosetti

When people run out of options for curing or treating an illness, they and their families often have to make some difficult decisions. No one wants to see a family member in pain or discomfort, so hospice care is frequently one of the options on the table.

For most of our lives, medical decisions are fairly simple and easy — take this antibiotic, or eat more vegetables. However, for people facing the end of their lives, the decisions are rarely simple and never easy. You have a lot of questions, so here are a few basic answers to help make you and your loved one feel more comfortable about hospice care.

What can I expect from hospice care?  Comfort.

Hospice care is relatively diverse, so the nuances of what to expect vary greatly depending on your needs. In general, the goal of hospice care is to give someone the best possible life they can have in whatever time remains. Some people mistakenly think hospice care is only for those who are about to die. In reality, hospice care is about providing physical comfort to those whose terminal illness is no longer responding to treatment. There is a misconception that hospice care is a last resort, or that it only occurs shortly before death. While that is true in some cases, there are many people who live for several months or even longer in hospice care.

Who will be caring for my loved one?  Professionals.

Depending on your situation, you may have a variety of caregivers in your hospice team, from nurses to dieticians to personal care assistants to social workers. Taking the time to get to know the individuals on your hospice care team will reduce negative emotions, such as anxiety or awkwardness, and help everyone work together with more compassion and empathy. Building rapport with the team will help both you and your loved one have an easier time trusting the professionals and understanding medical decisions.

This is especially true for the hospice care social worker. Their job is to provide support and comfort to your loved one, making sure their wishes are understood. These are highly trained professionals, and they must have a master’s degree in social work, which often includes around 1,000 hours of hands-on practical experience. 

Some people may wish for their loved one to receive care from a licensed osteopath, who can provide a more holistic approach. However, while Medicare doesn’t offer coverage for holistic medicine, they do offer coverage from physicians who are licensed as osteopaths. If you would like expanded coverage for your loved one, consider looking into a Medicare Advantage plan, which offers a number of different options for you and your family to explore.  (Some Medicare Supplements may also offer you choices which will fit your needs.  You should always explore the best Medicare plan for your situation well in advance of needing hospice care or any other specialized treatments.)

How will I manage things when my loved one passes away? Day by Day.

There are a great many things to do and consider after a loved one passes away. Making sure you have a clear understanding of their end-of-life wishes can make this process exponentially easier. Hospice care workers help ease the burden of end-of-life care for family members and caregivers, but they won’t be involved in how to manage the burden after death.

To keep things running smoothly, be sure your loved one shares their important documents with you, such as their will, insurance information, living will, asset information, and financial records. Your hospice care team can help you know which documents you need and help you start difficult conversations with your loved one about end-of-life arrangements. Talk to them about how they want to be remembered: funeral or memorial, burial or cremation, flowers or donations. 

Moving into hospice care can be scary. To many, it signifies that your loved one has entered the final stages of life. The emotional turmoil can be draining for you and your family member entering hospice. You can find comfort in remembering that hospice care isn’t about dying. It is about prioritizing comfort, living life to the fullest, and celebrating a person surrounded by love.

Our thanks to guest poster:  Lucille Rosetti

If you are interested in more information about common medical issues as we age, Medicare, Social Security, where to retire, financial planning and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.  

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit:  provided by Lucille Rosetti - photo from Pexels