Wednesday, April 18, 2018

Dementia and Alzheimers Symptoms Vary Widely

Over the past year, my husband and I have spent time with two relatives who were deep in the depths of dementia.  In both cases, their situation was tragic, although their symptoms were very different.  As a result, I thought it would be helpful for my readers to know more about the different symptoms and stages of dementia so they can be more aware of the symptoms when they begin to see them in their loved ones.

Below are two personal examples of what can happen when people get dementia, followed by the Alzheimer's Association list of the symptoms of dementia at different stages.

The Alzheimer's Disease of My Mother

In the first case, my mother's late-stage dementia reached the point where she became very suspicious and uncomfortable around people she did not see on a daily basis.  Although my mother and father lived with my sister and her husband during the last three years of my mother's life, she tended to be very unhappy during much of that time, especially whenever my sister had friends visit. 

My mother is the woman in the photo above and seemed the happiest when she was only surrounded by family. She would tell other people she wanted them to leave and that she did not want them in "her" house.  In one case, she even hit a man in the face with her fist when he came to trim the hedges.  Fortunately, she was so frail that her punch was harmless, although unexpected.  Before dying from her dementia, combined with congestive heart failure, she had reached the point where she needed constant care, could no longer walk or eat on her own, and seemed unaware of her surroundings.

The Dementia of My Sister-in-Law

In the second case, my husband's older sister moved into an assisted living community a year ago when she became lost several times in the gated community where she had lived for 25 years.

We recently visited her for a few days at her new assisted living community. It was sad to realize she did not remember the names of her grandchildren and great-grandchildren.  She did not remember that she used to play golf with us or walk on the beach with her dog.  She did not remember trips she took or special events such as family weddings.  She no longer has any hobbies.  She rarely watches television, plays the piano, or participates in any activities at her assisted living community.

She was unaware of what was happening in the world outside her community. She could not name one thing she did during the day, although her physical health was good and she was able to walk around easily. Both days we visited her, she was wearing jeans and a heavy sweater, although the temperature was nearly 90 F.  However, she was friendly and gracious.  She genuinely seemed to enjoy our visit, although she probably did not remember it after we left.  She happily showed us around her community, although she got lost walking the 100 yards from her cottage to the swimming pool.  She was very cheerful, and did not seem at all fearful or distressed to be around other people.  She realized that her memory was not very good, but laughed it off.

After these two visits, I began to wonder about the different forms dementia could take.  The information I learned from the Alzheimer's Association is listed below.  It helped me understand that my mother and sister-in-law were in different stages of their dementia.  The symptoms listed below may help other people understand what is going on with their loved ones.

Diagnosing Dementia

One question people often have is the difference between dementia and Alzheimer's Disease.  Dementia describes a spectrum of illnesses which cause memory or thinking problems.  Alzheimer's is the most common and is thought to be responsible for approximately 70 percent of cases, but it is not the only cause of dementia.  For example, after a stroke, a patient may develop vascular dementia.  Dementia can also be a result of a variety of illnesses including Parkinson's disease, Huntington's Disease, Creutzfeldt-Jakob disease, Lewy Body, hydrocephalus, and combinations of different diseases.  It is possible for someone to have more than one type of dementia at the same time. 

In order for someone to be diagnosed with dementia, they must be impaired in at least two of the following areas, according to alz.org, the website for the Alzheimer's Association:

* Memory
* Communication and language
* Ability to focus and pay attention
* Reasoning and judgment
* Visual perception

The Alzheimer's Association website said they "may have problems with short-term memory, keeping track of a purse or wallet, paying bills, planning and preparing meals, remembering appointments or traveling out of the neighborhood."

Those symptoms were certainly true for both my mother and sister-in-law.  While both had been very capable women throughout most of their lives, dementia caused them to lose the ability to handle their finances, safely drive a car, or take care of themselves, even before their memory loss became severe.

Common Symptoms of Dementia

Early Stage:

Difficulty remembering names of new people
Trying to remember the right word
Forgetting what you have just read
Losing important items
Disorganization
Difficulty with common tasks

(Many people may identify with some or all of these symptoms, which is one reason why it is so difficult to diagnose dementia in its early stages.  Someone with early stage dementia or mild cognitive impairment may never get worse, or they could be at the beginning of more severe dementia.  It is difficult to predict.)

Moderate Stage:

Forgetting your own past history, address, or phone number
Becoming moody, withdrawn or frustrated
Dressing incorrectly for the season or situation
Trouble controlling bladder and/or bowels
Changing sleep patterns
Wandering and becoming lost
Personality changes such as becoming suspicious, having delusions, or exhibiting compulsive behaviors

(During this stage, my mother became suspicious and moody; my sister-in-law dressed incorrectly for the weather. Both forgot large pieces of their personal history, and became lost easily.)

Late Stage:

The need for constant personal care
Loss of awareness of surroundings and experiences
Diminished physical abilities such as walking, sitting or even swallowing
Difficulty communicating
Lower immunity to infections such as pneumonia

(My mother was in this stage during the few months before she died. During the last few days, she could no longer swallow or communicate. My sister-in-law has not yet reached this stage, but ultimately she probably will.)

Dementia is a frightening illness and a slow, tragic way for your life to end ... unable to remember your own past or your connection to loved ones.  However, research is ongoing and there are medications which can sometimes slow down the symptoms.  If you suspect that you or a loved one could be showing signs of dementia, talk to a doctor right away.

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

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

Photo credit:  Photo taken by author; all rights reserved.

Wednesday, April 11, 2018

Should You Use a Robot Money Management Advisor?

Over the past few decades, robots have taken over many different types of jobs in areas such as manufacturing, airline reservations, banking and more.  However, would you trust a robot to manage your money and make investment decisions for your portfolio?  You might be surprised to know that Schwab has 120,000 Intelligent Portfolio robo-adviser customers, and more than half of them are over age 50.  Vanguard and Fidelity also have these type of managed financial accounts.

Currently, only about one-half of one percent of all investment assets are handled by robot-advisers.  However, it is estimated that by 2020 they will be responsible for approximately 5.6 percent of all financial assets.  Since it is likely that companies will soon be promoting these robo-advisory accounts, it would be a good idea for all of us to understand them better.

Over Half of Retirees Personally Handle Their Investments

According to an article in the April / May 2017 issue of AARP Magazine, titled "Should a Robot Manage Your Money?" many people simply handle their own investments.  According to them, only "52 percent of pre-retirees and 44 percent of retirees" actually consult with a human adviser.  The reasons for this are complicated, but often boil down to the fact that they believe human advisers are expensive and they are unsure how to find one they trust.  As a result, for better or worse, many people simply prefer to make their financial decisions without outside assistance.

How Does a Robo Advisor Work?

Robo advisers offer a variety of investment portfolio options, but they generally consist of stocks and bonds which are held in ETFs ... exchange-traded funds which are traded as stocks.

The robo adviser sends you an online questionnaire and they use your answers to choose the best combination of ETFs to put in your portfolio and meet your investment goals.  Your account can be either a tax-deferred IRA or a taxable account.

The robo adviser will re-balance your portfolio periodically so it stays within the range of your target allocations.  In order to help the robot, you can regularly update the questionnaire.

With a robo advisor, you do not have direct access to your investments.  You cannot quickly move the money in response to the market.  It is passive, long-term investing.  Once you retire, robo advisors can continue to manage your portfolio, if you choose, and assist you in calculating the required minimum distributions which you need to take once you reach the age of 70 1/2.  They can also help you choose which investments would be best to sell when taking the distributions.

How do Robo Advisors Perform?

According to the AARP article, there are no long-term studies which could help you compare results between humans and robots.  Their article contained some hypothetical comparisons, which I will not report here, because they were based on their best guess, not on actual results.

Your actual performance would reflect the performance of the indexes behind the ETFs in which your account is invested.  You would also have the advantage of low fees, approximately 0.25 percent of your portfolio value each year.  Human advisers typically charge between 1 and 2 percent.

A robo advisor will re-balance your portfolio regularly.  This would be accomplished by the automatic sale of investments which had gone up the most and investing the proceeds in investments which lagged.  In other words, you would be selling high and buying low.

Robo advisors are considered very safe, conservative investment managers, according to the Consumer Action advocacy group, because the accounts are so widely diversified, re-balanced regularly, and invested for the long term.  They are covered by SIPC insurance or the Securities Investor Protection Corporation.  It does not protect investors against loss, but does protect them if the financial institution goes broke.

What do Investors Lose by Having a Robo Advisor?

The most important thing you would lose by having a robo advisor is human advice.  The robots cannot answer your questions, or make recommendations regarding other aspects of your financial plan, such as the best time to take Social Security, whether or not you should get an annuity, or provide assistance with similar decisions.

More Thoughts about Robo Advisors

It is possible to have a hybrid solution.  For example, Vanguard's Personal Advisor Services combine a human advisor with a robo advisor.

Robo advisors are not right for everyone.  Some people may be more comfortable either handling their investments themselves or dealing with a human who can explain their investments to them and help with other financial decisions.  However, for the 5 or 6 percent of investors who will be using robo advisors in the coming years, it is important they understand how they work, as well as the advantages and disadvantages of using them.

For more information about financial planning, where to retire, common medical issues, Social Security, Medicare and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional articles.


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Wednesday, April 4, 2018

Age Well with Yoga

In virtually every article which discusses reducing stress, recovering from a serious illness, increasing your flexibility or improving your overall health, yoga is mentioned.  Approximately 36 million Americans practice yoga and more than one-third of them are over the age of 50.  However, many more senior citizens are intimidated or uncomfortable with the idea of yoga.  Since virtually everyone would benefit from this relaxing form of exercise, it is important to understand it better.

Benefits of Yoga

There are a number of benefits of yoga, even for those who will never be able to get into the lotus position or gracefully flow into any of the better known positions.  Simply doing your best and carefully stretching as much as you can has tremendous benefits for nearly everyone.  Below are some of the positive benefits to your body if you practice yoga regularly:

* Increased flexibility
* Better balance
* Less Stress
* Fewer symptoms of depression
* Lower blood pressure and LDL cholesterol
* Better sleep, especially when yoga is done before bed
* Less back and neck pain
* Fewer headaches
* Reduced inflammation
* Better breathing
* Clearer thinking and focus
* Less weight gain as you age
* Greater aerobic capacity
* Easier cancer recovery
* Less urine leakage for women
* Better blood glucose levels

Personally, I began taking yoga 31 years ago with a friend who was being treated for breast cancer.  Her doctor had recommended it as a gentle way to for her to regain some of her strength after her surgery and other treatments.  She recovered and is alive today.  Although I started out merely to lend support to a friend, I have continued to faithfully take yoga classes over the years and it has helped me with many of the items on the list above, including greater flexibility and reduced stress and back pain.

You are Never Too Old to Start Yoga 

My current yoga instructor is 84 years old and many of the students in my class are in their 70s, 80s and 90s.  Many of them are unable to get into all the positions, especially if they have had surgery, a hip replacement, knee replacement or other medical concern.  Some of them have been told by their doctors not to do a position in which their head is below their heart.  All of this is perfectly okay.  Most yoga instructors are accustomed to making modifications to the positions so their students can stretch safely.


How to Get Started with Yoga

The best way to get started with yoga is to take a class.  Try a variety of classes until you find one which feels comfortable.  If you have trouble getting up and down from the floor, look for a chair yoga class or ask the instructor of a beginner yoga class if you can start out by sitting in a chair and doing as many stretches as possible while seated or standing.

While checking out the classes, observe whether or not the instructor is calm and relaxed, because this will help you relax, as well.  In addition, you want to make sure the instructor pays personal attention to the students and modifies the positions to meet their specific needs.  Pay attention to the atmosphere of the class, noticing things such as the music and temperature, and decide whether you think you would enjoy the class.  Keep looking until you find one which feels right to you.

You can find yoga classes at senior centers, YMCAs, and the recreation department of many cities.  Frequently they offer special classes for senior citizens or people with limited mobility.  In some communities, you may be able to find free or very low-cost classes.  There are also private studios, although their classes may be more expensive than ones from the facilities mentioned above.  However, once you are on Medicare, many Medicare policies have a Silver Sneakers benefit, which means they cover most or all of the cost of a gym membership in your area, and many gyms offer yoga classes.

Equipment costs are minimal, although you may want to buy a mat, a yoga strap and a couple of blocks.  The strap and blocks will make it possible for you to modify the positions so they are easier. You can find whatever you need in stores such as Target and WalMart. You may also want to take a towel or small blanket to class to make it easier to sit comfortably in certain positions.  You can choose to wear yoga pants or any loose fitting, comfortable clothing.

Finally, do not get discouraged if other students seem to be more flexible and capable of maintaining the positions than you.  They may have been practicing yoga for years.  In addition, you are not competing with them.  You are only trying to improve your own skills ... something which is sure to happen if you are consistent in your practice.  Yoga is truly an activity where you can be non-judgemental and proceed at your own speed.  If you have an injury, don't push through it.  Avoid any moves which could worsen your injury until a doctor tells you it is OK to put pressure on that part of your body.

Once you have learned the basic yoga moves, practice a stretch or two whenever you get a chance .... before you go to sleep at night, when you wake up in the morning, and even while you watch TV.  You may even want to enhance your home yoga practice by purchasing a Himalayan salt lamp or a healthy fresh sugar scented candle.  These types of mood enhancing items can help you create the perfect yoga atmosphere in your home. You'll love the way your body feels when it is flexible and moving smoothly! 

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

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Wednesday, March 28, 2018

New Medicare Cards Coming Soon!

Beginning in April 2018, the federal government will start mailing out new Medicare cards to the 59 million people currently enrolled in the program.  The entire process is expected to take approximately one year, so it could be a number of months before some beneficiaries receive their cards.  The reason for the change is to remove Social Security numbers from Medicare ID cards.  This will help protect the identities of beneficiaries.

Why are Medicare Cards being Changed?

The reason for the change is simple.  When people have their wallets stolen, which often contain their Medicare card and driver's license, the information inside could easily be used to steal that person's identity.  In addition, phone scammers have preyed on the elderly by calling and asking for their Medicare number, claiming to be calling from a doctor's office or insurance company.  Because the current Medicare number has been the same as the Social Security number, this information enabled the scammers to divert Social Security payments or steal from the victims in other ways.

What Number Will Be on the New Cards?

The new Medicare cards will no longer display the person's Social Security number.  Instead, they will be assigned a new, randomly generated 11-digit Medicare number.  It will not be purely numeric.  Some capital letters will be included.  This new Medicare number will be the one used to verify that you are eligible for Medicare services.

How Long Will It Take to Get the New Card?

Because the transition is expected to take a year, either the old or new Medicare cards will continue to be accepted by doctors' offices and hospitals until December 31, 2019.  Doctors and hospitals will also be able to use your old Medicare information during the transition period or look up your Medicare number on the computer, if you do not have your card with you.

The new cards will be mailed out on a rolling basis between April 2018 and April 2019.  The map above shows how states will be grouped together during the roll-out of the new Medicare cards.

The first states to receive the cards will be Alaska, California, Delaware, the District of Columbia, Hawaii, Oregon, Pennsylvania, Virginia and West Virginia, as well as American Samoa, Guam and the Northern Mariana Islands.  Recipients in those locations should receive their cards between April and June, 2018.

The last wave of states to receive their cards will be Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio and Tennessee, along with the territories of Puerto Rico and the U.S. Virgin Islands.

Continue Using Current Medicare Advantage and Drug Plan Cards

If you are one of the nearly 18 million people who have their coverage through a Medicare Advantage plan, you will continue to use the current card which the plan issued to you.  These cards do not display your Social Security number.  Instead, the private insurance companies which offer these plans use their own identifying numbers for each member.

The same is true for prescription drug plans which are part of Medicare.  They are operated by private insurance companies and use their own identifying numbers, rather than a social security number.

You do not want to destroy your Medicare Advantage and drug plan cards.

Dispose of Your Old Medicare Card

Once you receive your new Medicare card, you will want to carefully dispose of the old one.  Do not simply throw it in the trash.  Either put it through a shredder or cut it up with a pair of scissors, being especially careful to destroy the Social Security number displayed on it.

Beware of Medicare Scams

Unfortunately, criminals also know that new Medicare cards are being issued.  As a result, some scammers are calling potential victims, using the new cards as an excuse.  There have already been reports of scammers asking people for their bank account information so Medicare could, supposedly, make direct deposits into the victims' bank accounts.  Never give bank account information to anyone who calls you.

In other cases, there have been reports of scammers threatening to cancel the victim's health insurance if they don't give the caller their current Medicare card numbers.  Never give your Medicare number to a stranger on the phone.  Your physician should have your Medicare information after your first visit.  If they need additional information, call the doctor yourself or give the information to them in person.

In another scam, people have been called and told they need to pay a fee in order to get the new cards.  There is no fee for these cards.

Remember: neither the government nor your insurance carrier will call or email and ask for your social security number, address and similar information.  They will definitely never call and ask for money.  If you believe they may need updated information, you should place the call to the Social Security Administration or your insurance provider yourself.  Do NOT give out personal information to anyone who calls you.

Make Sure the Social Security Administration has your Current Address

If you move prior to receiving your new card, you need to make sure the Social Security Administration has your correct address.  You can contact them by phone or online:

https://www.ssa.gov/myaccount
1-800-772-1213

If you wish to stay current with information about Medicare, Social Security, financial planning, where to retire, common medical problems and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

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Wednesday, March 21, 2018

Medicare Coverage of Heart Disease


We are fortunate to have another guest post from Medicare expert, Danielle Kunkle, who has provided us with a helpful explanation of how your Medicare benefits cover your medical expenses if you develop heart disease.  This is important information, because heart disease is one of the top causes of death for senior citizens.  It is also important for retirees on Medicare to understand that your coverage will vary depending on whether you have Original Medicare only, a Medicare Advantage plan, or Original Medicare plus a Medicare supplement (Medigap) plan.  Danielle Kunkle's post provides information which is likely to affect nearly everyone during their retirement years. 


How Does Medicare Cover Heart Disease?



Heart disease is a broad term which covers a lot of different conditions which affect the heart and blood vessels. It’s the number-one killer of both men and women in the United States, according to The Heart Foundation. More people die of heart disease, also called cardiovascular disease, than from all types of cancer combined.

Although a heart disease diagnosis is serious, there are things you can do to treat it and lower your risk of serious complications. The good news is that there are Medicare benefits for people with heart disease or who are at risk of developing it.

What is Heart Disease?


Heart disease shows up in different ways in the body. It may cause a heart attack, stroke, or heart rhythm problems, for example. According to the American Heart Association, most of these heart conditions are caused by atherosclerosis.

Atherosclerosis develops when fatty substances, called plaque, build up on the walls of the blood vessels. The plaque narrow the vessels, making it difficult for blood to flow freely. Often, the plaque ruptures and causes blood clots to form.

When a blood clot blocks the flow of blood to a part of the heart, a heart attack occurs. If the clot interrupts blood flow to parts of the brain, it causes an ischemic stroke.

How is Heart Disease Diagnosed?

 

Some of the most common risk factors for heart disease include:

       Smoking
       High blood pressure
       High cholesterol
       Diabetes
       Being overweight

If you are at high risk for developing heart disease, your doctor may order screening and diagnostic tests. These might include blood tests for cholesterol and triglycerides, blood pressure checks, and lab work to rule out diabetes.

If you have symptoms of heart disease, your doctor may order other tests to confirm the diagnosis. You may have an electrocardiogram (ECG), an ultrasound of the heart, a stress test, or even an MRI or CT scan. In some cases, you may have cardiac catheterization, an outpatient procedure which lets the doctor see your heart and blood vessels to check for abnormalities.

What Does Medicare Cover? 

PartB covers cholesterol screening blood tests once every five years at no cost to you if your doctor accepts Medicare assignment. If you have symptoms of heart disease, Medicare may pay for a diagnostic cholesterol test, if your doctor thinks it is medically necessary. You pay 20% of allowable charges once you meet your deductible. You may also qualify for heart disease counseling with your doctor once each year at no cost to you.

If you have risk factors for diabetes, Medicare may pay for two screening exams a year at no cost to you if your doctor accepts assignment.

Part B generally pays for any diagnostic tests and exams your doctor thinks are medically necessary based on your symptoms and risks for heart disease. You pay your 20% coinsurance after you’ve met your deductible. 

How is Heart Disease Treated?

 

There’s no one-size-fits-all treatment for heart disease. Your doctor may recommend any combination of the following types of treatment, depending on your exact condition and how severe it is:

       Changes in lifestyle to lower your risk of life-threatening complications. This may include losing weight, reducing the fat and cholesterol in your diet, and exercising more. If you smoke, your doctor will help you try to quit.
       Prescription medications to control your disease and risk factors. Your doctor may recommend medications to treat high blood pressure, lower the cholesterol in your blood, or better manage your blood sugar.
       Surgical procedures to repair damage. If the heart disease is severe, you may need angioplasty, stent placement, or even cardiac bypass surgery.

What Different Medicare Plans Will Cover


Depending on where you get treatment, Part A or Part B covers medically necessary heart disease treatment. For example, if you are hospitalized for heart surgery, Part A pays after you meet your deductible. You may also have coinsurance if your stay goes beyond 60 days. If you get outpatient treatment, Part B pays for your care.

If you smoke, Part B covers 8 face-to-face smoking cessation sessions each year with a qualified provider. If your provider accepts assignment, you pay nothing for these sessions.

You may also qualify for weight loss counseling if you are very overweight. Again, these are covered 100% under Part B if your provider accepts Medicare assignment.

Depending on the type of heart disease you have, your doctor may recommend a cardiac rehab program. If you qualify, Part B will pay 80% of the allowable charges after your deductible is met.

Unfortunately, most prescription medications to treat heart disease aren’t covered under Original Medicare. If you have Medicare Part D coverage for prescription drugs, your heart disease medications are likely covered.

If you have a Medicare Advantage plan, you may have extra benefits beyond Part A and Part B. Medicare Advantage plans are offered by private insurance companies approved by Medicare. They must cover everything that Original Medicare covers at a minimum, but they often have other benefits helpful to people with heart disease. For example, your plan may cover Silver Sneakers, which gives you free access to participating gyms. Most Medicare Advantage plans also include Part D prescription drug coverage. Some may even help with over-the-counter medications such as aspirin your doctor recommends for heart disease.

If you have Original Medicare and worry about your out-of-pocket costs for heart disease treatment, you may want to consider a Medicare Supplement Plan. These plans pay some or all of your Part A and Part B costs after Medicare pays. They don’t, however, pay your Part D prescription drug costs.  You can purchase a separate plan to help with drug expenses.

About the author:

Danielle Kunkle is the co-founder of Boomer Benefits, an insurance agency specializing in Medicare-related insurance products.  They help baby boomers new to Medicare learn about their benefits and coverage options across 47 states.


If you have not prepared your tax returns yet, you have until June 17 in 2018.  You may be able to do it yourself with H&R Block software.

If you are interested in learning more about Medicare, Social Security, financial planning, where to retire, common medical problems 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

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Tuesday, March 13, 2018

Socializing Reduces Dementia Risk

Did you know that many of the causes of dementia are within our control?  For example, following the MIND diet, getting adequate sleep, and engaging in a variety of types of exercise have all been shown to dramatically reduce your risk of dementia, including Alzheimer's Disease.  Socializing is another important way to improve your brain health and lower your dementia risk.

Social Isolation Causes Many Health Problems

Some people become socially isolated as they get older.  They may have trouble walking or driving, making it more difficult to go out.  They may not see friends or family members as often.  Their former friends, spouse and other family members may have died.  Approximately one-third of older Americans report being lonely.  While this is about the same percentage as the loneliness reported by younger adults, the loneliness in older adults can have more serious consequences if they start to believe they no longer have a reason to leave their home.

Surprisingly, people in large urban areas are more likely to report loneliness than people who live in small towns.  This may be a good reason to either retire to a small town or become more active and involved in your neighborhood within your current city.

Not only does isolation lead to a poor quality of life, it has also been connected to depression, anxiety, high blood pressure, decreased physical health and an increased risk of death.  It is also linked to the development of dementia.

How to Become More Socially Active

If you have lost loved ones, you may begin to give up your attempts to socialize.  However, it is important to be proactive and seek out new friends throughout your life, not just when you are young.  Below is a list of a few ways to do this:

*  Visit your friends and family as often as possible.
*  Call your loved ones when you cannot visit them.
*  Volunteer in your neighborhood.  There are many organizations which would love the help!
*  Get involved in a church, synagogue, mosque or temple.  Many of them offer a wide variety of social activities.
*  Join a gym or club.  Take group classes in yoga, dancing or other fun activities.
*  Start a book club, dinner club, movie club, quilting club or other social club.
*  Start a walking group.
*  Seek out a Senior Center in your community.  They have regular activities all day long.  Be sure to participate often.
*  Take classes and learn a new skill with other people.  
*  Immerse yourself in hobbies which you love.  One study indicated that people in their 60s are in the most productive decade of their lives, especially if they are historians, inventors and writers.  Make an effort to get to know other people with similar interests.  Give them encouragement and they are likely to do the same for you.

The Benefits of Being Socially Active

*  Your mental health will be enhanced, with less depression and a lower risk of dementia. You'll have a more positive outlook on life.
*  New friends will give you a sense of belonging and create lasting bonds.
*  Your self-esteem will improve and you will feel more confident.
*  Your physical health will improve and your immune system may be stronger.  If you share meals with other people, your nutritional intake will be better.  You are also more likely to have an active lifestyle.  All these things can improve your health.
*   According to research at the University of Rochester Medical Center, socializing keeps your brain sharp.  It encourages us to continue to learn new things and respond to the world around us.
*  Being social and engaging with other people encourages us to get dressed, stay clean, be well-groomed and go out.  In turn, this improves our state-of-mind.
*  Being social gives our lives meaning and helps us remember why life is worth living.  That, alone, is a good reason to be more socially active.

No matter how much or how little you are able to do, you will be healthier, happier and mentally sharper if you reach out to other people and stay in touch frequently!  Get out there and have some fun!

***   


  If you are interested in learning more about medical concerns such as dementia, Alzheimers or other problems as you age, where to retire, financial planning, Social Security, Medicare or more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional articles.

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Wednesday, March 7, 2018

Find Your Purpose in Retirement

You are never too old to find your purpose in life, although some people give up long before they should.  Two of my friends were talking recently about how they spend their days now that they are retired.  One said she does a lot of reading and goes to a water aerobics class a couple of times a week.  The other one said she was still trying to "find herself."  She was not sure, yet, what she wants to do with the rest of her life, despite the fact that she is in her mid-60s and recently retired from a long career.

This conversation made me sad.  Both of these women could afford to explore a wide variety of activities, yet something is holding them back.  Upon reflection, it seems that neither of them have found their purpose in life. They are still looking for something meaningful to do in retirement.  Unfortunately, they do not realize that this is the very time in their lives when they have the time to really immerse themselves in something meaningful!

Even if you have spent your entire adult life simply taking care of your responsibilities, working at a job, raising children, and caring for other family members, it is never too late to find a purpose in life.

Meaningful Opportunities are All Around You

Unlike the women above, another friend of mine began her retirement by signing up to spend three years in the Peace Corp, beginning at age 62.  She spent most of that time in Ukraine, where she made lifelong friends.  More than a decade after completing her Peace Corp tour, she still meets with former Peace Corps members once a month and occasionally makes speeches to other organizations about her experiences and what she learned during her years abroad.  While this was a life changing experience for her, I have discovered that many other people are not aware they can still join the Peace Corp in their 60s and 70s.  What a wonderful way to find a purpose in life and explore the world!

My husband and I have found meaning by volunteering at our local homeless shelter, pictured above.  Preparing food and feeding the homeless helps us appreciate our own lives.  We have also become involved in the political campaign of someone we know who is running for Congress.  In addition, we regularly spend time with our grandchildren and help out one of our daughters who is raising two teenage children on her own.  For me, even writing this blog and providing people with a wide variety of useful information about retirement has given my life meaning.  All these activities give my husband and me a purpose in life.  

Other retirees I know have found meaning in second careers or volunteer opportunities.  Below are just a few of the choices our friends have made to bring joy and meaning to their retirement years:

A retired school principal opened her own delicatessen
A retired semi-conductor salesman became an actor
A former WW II veteran reads to school children once a week
Several women have built new careers involving art or crafts
A number of retirees I know have written and self-published books
Countless other retirees volunteer in churches, hospitals, food banks, schools and for non-profits.  All these organizations need volunteers and the people who offer to help are greatly appreciated.

A Thought-Provoking Movie

While you are thinking about how to live a meaningful life, you may want to watch the Shirley MacLaine movie "The Last Word."  It tells the story of a wealthy, but very lonely, elderly woman who asks the obituary writer for the local newspaper to write her obituary while she is still alive. When she reads the first draft, she decides to make changes in her life.  This decision takes both women on a journey of self-discovery.

This movie will make you laugh, but it will also make you think.  It could also help you change your life!

How to Have a Meaningful Retirement

The time to start planning what you want to do in retirement is before you retire, if possible, although it is never too late to try something new.  Do you have an unfulfilled dream?  Is there a different job you have always wanted to try, but didn't think it would pay you enough while you were raising a family?  Is there a place you would like to visit?  Are there people you would like to help?  Is there an organization which is meaningful to you, where you could volunteer?  The ways you can find meaning are endless.

Below are a few places you can contact to get ideas:

Your place of worship
Your local school district
Your local hospital or animal shelter
Your local homeless shelter
Encore.org - A site which helps match people to potential second careers or volunteer opportunities with non-profits in their community.

Don't Settle for a Boring Retirement

After living in a retirement community for nearly 14 years, I have learned that retirees can either choose to be bored and lonely, or they can choose to live their dream life.  This is your opportunity to write a book, start a business, help people in need, travel, volunteer or try a new career.  You can use this second chance at life to improve your own financial situation or the lives of other people.   Don't settle for a boring retirement.

It is never to late to find meaning in your life!

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

Watch for my book "Retirement Awareness: 10 Steps to a Comfortable Retirement," which will be published by Griffin Publishing in 2018.

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

Photo credit: Photo of homeless shelter taken by author

Tuesday, February 27, 2018

Sleep and the Dementia Connection

If you are concerned about reducing your risk of getting dementia, one step you may wish to take is to get enough sleep.   According to Dr. Bryce Mander, PhD of the Department of Psychiatry and Human Behavior at the University of California in Irvine, sleep is essential to the formation (encoding), consolidation and recall of memories.  In fact, more than two-thirds of people with Alzheimer's Disease have a history of at least one type of sleep disorder, usually sleep apnea or insomnia.

Sleep Apnea and Alzheimer's Disease

Lack of adequate sleep is a serious issue in people with the type of of dementia known as Alzheimer's Disease.  Researchers have discovered that having either sleep apnea or insomnia may not only increase your Alzheimer's Disease risk, but it may lower the age of onset of Alzheimer's Disease.  They have also discovered that treating sleep disorders can actually delay the age of onset for Alzheimer's Disease.

In addition, sleep apnea can increase your diabetes risk; insomnia may increase your risk of depression.  Both of these conditions are linked to a higher rate of dementia.

If simply getting more restful sleep at night is able to postpone the development of Alzheimer's Disease and other types of dementia, it can be life changing to see your doctor if you are having trouble sleeping.

Medical Intervention Can Improve Sleep Quality

What can you do if you do not believe you are getting enough sleep?  Your first step should be to consult your personal physician.  You may even want to have a sleep study done to help determine the specific reason behind your sleep problems.  There are medical interventions, such as a CPAP machine, which could significantly improve your quality of sleep.

You may also wish to talk to your doctor about other health issues which could be interrupting your sleep, such as loud snoring or the need to wake up frequently to go to the bathroom.  Anything we can do to improve our quality and quantity of sleep can help us age better. 

Lifestyle Changes May Improve Sleep Quality

In addition to seeing your doctor, there may be changes you can make in your lifestyle which will improve your sleep quality.  Many people sabotage their sleep without realizing their lack of adequate rest could be causing other health problems, not only dementia and Alzheimer's Disease.

Below is a list of activities you can try in order to improve your sleep quality:

*  Maintain a fairly consistent time to go to bed and wake up.
*  Have a goal of sleeping 7 to 9 hours a night; it should take you 20 minutes or less to fall asleep once you are in bed.
*  Set a relaxing routine in the evening, including reading, meditation or taking a warm bath.
*  Avoid using your bedroom as a place to watch television, play on your computer or engage in similar activities.
*  Keep your bedroom cool, but not freezing.  Cool temperatures promote better sleep quality than a warm or hot room.
*  Bright light suppresses your natural melatonin. Have muted lights at night, preferably in red or orange tones.  Avoid the blue and green light which you get from phones and televisions.
*  Turn off electronic devices within 30 minutes of bedtime.
*  Do not eat a large meal too close to bedtime. Eat as early in the evening as you comfortably can.
*  Live a generally good lifestyle, including exercise and a healthy diet.  This will improve your sleep quality.
*  Avoid caffeine after 3:00 p.m.
*  Avoid alcoholic beverages in the evening.  They contribute to poor sleep quality.  You may fall asleep quickly, but will wake up in the middle of the night when the alcohol wears off.

The bottom line is that everyone should make it a priority to get at least seven hours of high quality sleep a night if they wish to lower their risk of dementia, particularly Alzheimer's Disease.

Readers may also want to use the tabs or pull down menu at the top of the page to check out other articles in the Medical Concerns category of this blog to learn more about techniques for reducing your risk of Alzheimer's Disease and dementia, including following the MIND diet or the relationship between exercise and dementia.

Want to know more about financial planning, Social Security, Medicare, where to retire and more?  This blog contains hundreds of articles on those topics, as well.

Watch for my book, Retirement Awareness: 10 Steps to a Comfortable Retirement, which is scheduled to be released by Griffin Publishing in 2018.

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

Photo credit:  google.com/images

Wednesday, February 21, 2018

Healing from Grief

One of the difficult aspects of reaching our 60s, 70s and beyond is the fact that we are likely to lose more friends and family members than we did when we were younger.  Grief is something we are all going to experience.  While we cannot avoid experiencing the loss of someone we love, there are steps we can take to help us heal.

When Sheryl Sandberg, the CEO of Facebook, unexpectedly lost her husband while they were on a family vacation, she was devastated.  The couple had two young children and, difficult as it was, Sheryl knew she had to move on with her life for their sake.  It has not been easy her, and she admits that while "the fog of acute grief has lifted ... the sadness and longing for Dave remain."  While learning to heal, she wrote a book called "Option B: Facing Adversity, Building Resilience, and Finding Joy." 

AARP Magazine interviewed Sheryl Sandberg about her grief and the book she wrote in their June/July 2017 issue.  Below are a few of the recommendations she has for people who are trying to heal from grief. I highly recommend her book to anyone who is suffering from grief, regardless of their age.


Recognize the Issues Which Hamper Your Recovery

Sheryl Sandberg discusses the three P's in her book.  These are beliefs which make it harder for us to heal.  It is important to acknowledge you are feeling these emotions and recognize these feelings are temporary.

Personalization - Blaming ourselves for someone else's death.  This can cause you to develop deep feelings of guilt for things which are beyond your control.

Pervasiveness - Believing that everything in your life is bleak and refusing to recognize there is anything good or positive going on in your life.  This feeling can cause you to become more fearful and worry more than you did in the past.

Permanence - The belief you will always feel as terrible as you do now.  This can cause you to isolate yourself.

Build Your Resilience

Ms. Sandberg believes that resilience is like a muscle and you can strengthen it.  You need to believe that you will be able to develop deep, close relationships in your life once again.  Your life can have meaning and you can find joy.

While it may seem impossible at first, remind yourself that you will be able to make new friends.  Don't forget to treat yourself with compassion and patience. 

In addition to what Ms. Sandberg has said about resilience, many people have found comfort when they have turned their grief into a cause.  Whether you get involved in raising money to cure the illness which killed your loved one or, like the teenagers who have survived school shootings, turn your tragedy into the energy to fight for political change, these activities can help you recover from your grief and help you become a force for good in the world.

Journaling Can Help

Researchers have discovered that writing about your feelings, both the happy and sad, can make it much easier for you to recover from the trauma of losing someone you love.  Journaling will help you find your own voice.

Give Yourself Permission to Move on With Your Life

You will never forget the people you lost.  Their memories will always be a part of your life.  It is perfectly OK to move on, however, and let yourself experience joy, laughter and have a good time with new friends.  If the person you lost was your spouse, eventually you may want to date again.  There is nothing wrong with that.  Give yourself permission to enjoy another person and remind yourself that if you loved someone deeply before, you will be able to do it again.

At the end of the AARP interview, Sheryl Sandberg said to "acknowledge the capacity of the human spirit to persevere."

If you are experiencing grief in your life, you may also want to join a grief recovery group.  Many churches and other organizations offer them.  They are useful at helping us pull ourselves together and, eventually, move on with our lives.


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

Watch for my book, Retirement Awareness: 10 Steps to a Comfortable Retirement, which will be published by Griffin Publishing in the fall of 2017.

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

Photo credit:  morguefile.com