New FDA Advice About Statin Risks

 

Statin drugs have been shown to be quite effective in lowering cholesterol levels. However, like nearly all drugs, there are some potential side effects that many people only vaguely know about.

Recently, the Food and Drug Administration issued new guidelines about statin risks, and I felt it was important to let our readers know about these risks so they could watch for any symptoms.  Below are the new guidelines from the FDA.

Good News About Statins

First, the good news.  It is no longer necessary for your doctor to routinely monitor your liver enzymes.  Serious liver injury from statin use is considered very rare.

Statins have been shown to be one of the most effective ways we have to lower cholesterol levels.

Potential Risks While Taking Statins

Memory loss, forgetfulness and confusion have been reported by some statin users.  Researchers have said that, when this occurs, they have found that the confusion can be reversed within weeks after stopping the statin. This may be the result of getting cholesterol levels too low. The brain needs a certain amount of cholesterol in order to function properly. Make sure your doctor is not over-zealous about lowering your cholesterol to the point where it affects your thinking.

Some people on statins have experienced an increase in blood sugar levels, which can lead to Type 2 diabetes.  The number of people who experience this increased risk appears to be small.  However, it is good to be aware of the possibility.

Some medications interact with lovastatin and can increase the risk of muscle damage.  (Since I take lovastatin, I was particularly interested in this potential health risk.)  The new labels for lovastatin are going to list what drugs to avoid taking with lovastatin, and the maximum dose of lovastatin you should take if these other medications cannot be avoided.  Since these drugs were not listed in the FDA article that I read, everyone who is on lovastatin needs to read the insert on their next prescription refill very carefully.

Sore muscles are another possible side effect of statin use.  My doctor suggested that I take 200 mg. of CoQ10 with my statin every day in order to minimize the muscle problem. I have been using this combo for three years and the combination seems to be working.

If you are looking for more heath and retirement information of important to Baby Boomers and retirees, use the tabs or pull down menu at the top of this page.  They contain links to hundreds of additional articles.

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

Photo of pills courtesy of photoxpress.com

Information about statin risks from the government website at: http://www.fda.gov/ForConsumers/ConsumerUpdates/ucm293330.htm?source=govdelivery

Foods That Lower Your Cholesterol

Steamed vegetables, like asparagus,
are a great way to lower your
cholesterol.

Many of us want to avoid going on statin drugs to lower our cholesterol as long as we possibly can.  High cholesterol is a serious health problem that contributes to heart disease, strokes and may even be linked to Alzheimers, although that connection is less clear.  In either case, all of us need to be aware of our cholesterol numbers and do whatever we can to keep in line.

As a result, we need to understand the importance of keeping our bad cholesterol as low as possible.  Fortunately, the website RealAge.com has identified a number of foods that appear to lower our bad cholesterol ... when they are eaten on a regular basis.

Foods That Lower Cholesterol

Almonds
Orange Juice that is sterol-fortified (or sterol fortified margarine, milk, soymilk, and other foods)
Olive Oil -- about 2 tablespoons a day
Steamed Asparagus, as well as beets, carrots, eggplant, okra, green beans or cauliflower
Oatmeal -- enough to get at least 5 grams of soluble fiber a day
Pinto Beans -- half a cup every day
Blueberries -- they can be fresh, frozen or freeze dried.
Tomatoes -- aim for about half a cup of tomato sauce a day.
Avocado
Dark Chocolate -- Only about 1 ounce a day, containing 70% cocoa. What a wonderful way to end a day's menu full of these other delicious foods!

When I read this list, I realized that I eat everything on it ... sometimes.  There wasn't a single food that I had chosen to eat consistently every day, not even the chocolate.  This is probably one reason why I have found it necessary to begin taking a low dose of a statin now that I am in my 60's.

Since learning this information, I have switched to eating oatmeal for breakfast, treating myself to a small bit of dark chocolate every day, and trying to make sure that I eat one or two other things from the list, as well.  At the very least, these choices may help keep my arteries clear and could help be stay on a low dose statin.

Fortunately, we have statins available to help make up for our sometimes unhealthy eating patterns or a hereditary tendency to manufacture too much cholesterol.  However, even if you are prescribed a statin, you should still try to include as many of these foods as possible in your diet, too.  You may be able to use a lower dosage of statins if you make an effort to lower your bad cholesterol naturally!

If you are looking for additional health and retirement information, use the tabs or pull down menu at the top of this article.  They contain links to hundreds of additional articles on a variety of retirement and aging related topics.

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

Photo courtesy of photoxpress.com

Source for foods that lower cholesterol: http://www.realage.com/health-guides/foods-to-lower-cholesterol?src=edit&chan=health-guides&con=lm-article#fbIndex11

How to Increase Your Retirement Income

Interest and Dividend Income have
been discouraging in recent years.

If you are disappointed in your interest on savings, you are not alone.  Although many people love the low interest rates that are currently available for mortgages and auto loans, they hate the low rate of interest income they are getting on their savings.

For people who are retired, or near retirement age, this is an especially serious problem.  Until a few years ago, many people could get 6%, more or less, on a long term money market account or Certificate of Deposit.  However, today those rates of interest on savings are a thing of the past.  For retirees who were dependent on that income to meet their monthly expenses, this decrease in their retirement income has been devastating.  What are some steps you can take now to at least get the maximum interest rate possible?

Find Higher Interest on Savings from a Credit Union

Many people who have had a long relationship with a bank continue to keep their savings in that bank, without shopping around for a better deal.  However, if you have a bank savings account that is earning around 1% or less, you should be able to do much better by moving your money to a credit union.  Anyone living on a fixed income owes it to themselves to make sure they are getting the highest interest rate possible in order to avoid pulling money out of your principal in order to survive.

According to information about interest rates available to the public on DepositAccounts.com, you can earn as much as 1.40% on some CDs.  Although these rates are still low, they are higher than most banks are currently paying their account holders. 

You can find more out about credit unions that you can join in your area at aSmarterChoice.org.  You may also want to ask a friend or relative if they belong to a credit union.  All you need is an invitation from a current member in order to join many credit unions!

Be Careful When Purchasing Bonds and Bond Funds

According to an article entitled "The War on Savers" in the February/March 2012 AARP Magazine, current interest rates on shorter-term Treasury bonds are ridiculously low.  In addition, when you buy bonds, the value of the bonds will decrease when interest rates eventually increase.  Consequently, any income you currently earn from the bonds could be lost when interest rates rise and the bond price drops.  Junk bonds pay a higher rate than Treasuries or high quality corporate bonds, but are much riskier. These types of high risk investments are not a good idea for most retirees or people nearing retirement.

Put Some Assets in Dividend Paying Stocks

In addition to putting your savings in a credit union, another suggestion by the author of "The War on Savers" is to invest a portion of your savings in high quality dividend paying stocks.  You can either use the dividends for current income or, if you don't need the income yet, you can use a DRIP (Dividend Reinvestment Plan) to build up the size of your portfolio.

As you diversify and work to increase the income from your current assets, you may see your retirement savings begin to grow again.

The important issue here is to not just sit back and assume there is nothing you can do to increase the income from your savings.  There are actions you can take to assure yourself of a more comfortable income from the savings you have put aside.

If you are interested in other ways to improve the quality of your retirement, use the tabs or pull down menu at the top of this page for links to hundreds of additional articles on affordable places to retire, medical issues to consider, changing family relationships, financial planning and more.

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

Photo courtesy of photoxpress.com

The Best Sunny Places to Retire

Southern California is a fun and
sunny place to retire, as shown in
this mid-winter photo of Laguna Beach!

If you want to retire someplace that is sunny most of the year, there are plenty of locations available in the United States.  AARP, the American Association of Retired People, compiled a list of sunny places to retire. Since many retirees wish to live in a location where they can get outdoors the year around, this list will be a good place for them to start their search.

In order to make their list, the city had to have at least 250 sunny days a year, and have plenty of activities that are popular with retirees.  They also had to have a low crime rate, a strong local economy and a generally healthy lifestyle.  Since I have either visited or lived in several of these communities, I thought this would be a great opportunity to add some of my own comments about the cities they chose.  If you have additional thoughts about these communities, feel free to express them in the comments section.  The home prices listed here were the prices in about 2012.  You can assume that most of the prices are a bit higher today.

Sunny Cities in the United States

Asheville, North Carolina:  This community in the Blue Ridge Mountains is in an area where some of our friends live.  The community has museums, a live theatre, and frequent art fairs.  The average home sells for about $248,000, and the median income is $34,457 ... which puts in within the range of many retirees.  Surrounded by mountains and lots of outdoor space, this is a lovely area.  Although it may be sunny most of the year, it does get cold in the winter, so be prepared!

Grand Junction, Colorado:  This small city of 58,000 people is located in the high desert area of Colorado.  The average house costs $270,000, and the median income is $47,761.  For someone who wants sunshine, along with golf, hiking, ice fishing and skiing, this is the ideal location for you.  You get wide temperature swings in Grand Junction.  In the summer it can average 93 degrees; in the winter you can have snow and ice. 

Sarasota, Florida:  My husband grew up in this area along Florida's Gulf Coast.  Sarasota is a great town for people who have dreamed of retiring to the beach.  Sarasota has a population of 52,000.  The homes are quite expensive ... over $530,000 on average ... but the median household income is $36,742, so people are obviously finding affordable places to live.  If you go outside the town of Sarasota, you may find some better home prices a bit inland, and still be within easy driving distance of the beach.  The temperature gets quite hot in the summer, but is pleasant and mild in the winter. 

San Diego, California:  San Diego is actually a large city with a population of over 3 million people.  We have lived there, as has one of our daughters.  We currently live in Laguna Woods Village, a small retirement community about a one hour drive north of San Diego.  The photo above was taken by me from the cliffs along Laguna Beach, only 4 miles from our home in Laguna Woods Village.  All of Southern California actually has sunny weather and mild temperatures the year around.  If you are considering retiring to San Diego, you might cast a wider net and look at places to live from San Diego in the south to Santa Barbara in the north.  There are hundreds of wonderful, sunny small towns throughout Southern California, and most of them are within an easy drive to the beach as well as museums, theatres, and many fun activities.  Unless you are willing to live inland, home prices in Southern California are expensive.  For example, the average home price in San Diego is $646,000.  However, prices drop substantially as you move inland.  Some of the retirement communities are quite affordable, too.  While home prices in Laguna Beach average over $1,000,000, condominiums in nearby Laguna Woods Village have an average price of about $250,000.  Sunshine, beaches and outdoor activities like golf and tennis are plentiful throughout Southern California.

Las Cruces, New Mexico:  Las Cruces is almost always sunny.  In fact, it is sunny an average of 350 days a year!  AARP Magazine actually lists Las Cruces as a "retirement dream town."  Home prices average only $178,000 and the median household income is about $37,471 ... well within the means of many retirees.    There are plenty of recreational activities, too!  It is a lovely, charming community that is very appealing to people who want to live in the Sun Belt.  I have driven through Las Cruces during cross-country trips, and it does get quite hot in the summer!

San Luis Obispo, California:  San Luis Obispo is often nicknamed SLO ... and the nickname fits.  It is a very relaxed, slow-paced small city, and absolutely lovely.  My husband's sister has retired nearby in the small town of Avila Beach, one of several charming beach towns near SLO.  San Luis Obispo was actually named one of the happiest places in the world by writer Dan Buettner in his book "Thrive."  The average home in SLO sells for $695,000 and the median household income is $38,000.  There are affordable places to live there, although the cost of living is higher than other places on this list. 

St. George, Utah:  This small community is about 130 miles from Las Vegas, the nearest large city.  The average house sells for $311,000 and the median household income is $46,000.  This is a beautiful area, with golf courses and gorgeous vistas.  About 70% of the residents are Mormon, and there are only two state-owned liquor stores in the area; so, if you are a big drinker, this may not be the best community for you.  Another concern is the fact that the nearest major medical center is in Las Vegas.  However, most residents have long life expectancies, so this may not be a concern for you!

Santa Fe, New Mexico:  Santa Fe is a fascinating mixture of Spanish, Native American and modern American cultures.  It is an artists' colony, as well as a mecca for people who love music, including the symphony and opera.  The average home sells for $433,000 and the median household income is $52,000.  It is a small city, with a population of only 68,000.  In addition to modern medical facilities, this is also a popular location for alternative healing and holistic medicine.  It has been listed as one of the 10 healthiest places in the US to live!

Bend, Oregon:  Bend is the sunny inland area where many residents of Oregon travel to get out of the frequent coastal rain.  It is in the high desert, about two hours southeast of Portland.  The average home price is $427,000 and the median household income is $53,177.  One of the upsides of living in Oregon include paying no state taxes on your pension income. 

Fort Worth, Texas: My husband and I lived for 25 years in the Dallas-Fort Worth area of north central Texas, and we have a number of friends who have chosen to retire in that area. The summers get very hot ... often over 100 degrees.  The winters tend to be mild, although so-called "Blue Northerns" do occasionally bring frigid temperatures to this area of Texas.  However, people can golf,  play tennis, go boating and enjoy other outdoor sports almost the year around.  This area of Texas is surrounded by over 100 lakes, so you may want to expand your search outside the major cities to some of the lovely lakeside subdivisions in the area.  Within the city of Fort Worth, the average home sells for $148,000 and the median household income is $47,634.  Texas also has the advantage of no state income taxes at all, although property taxes are higher than in other states.

If you want to enjoy sunshine most of the year, any of these communities could be a good choice for you.  Remember to expand your house hunt outside the immediate area of the towns and cities mentioned.  There are a lot of wonderful communities in the U.S. sunbelt!  If you know of other communities that may interest readers, feel free to mention them in the comments sections.

If you are looking for more retirement ideas, use the tabs or pull down menu at the top of the page for links to hundreds of other articles on a wide variety of topics of interest to retirees and Baby-Boomers.

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

Photo from personal collection of author.

Home prices, household income and other data from http://www.aarp.org/home-garden/livable-communities/info-11-2011/10-Great-Sunny-Places-to-Retire-AARP.11.html

Exercises that Help Fibromyalgia

Gentle exercises like Tai Chi
seem to lesson pain.

Like many of us, I have a few friends who suffer from Fibromyalgia.  In the people I have observed who are suffering from this disease, their pain seems to have gotten worse as they aged.  They are exhausted from dealing with the chronic pain, and all they really want to do is stay home and move as little as possible.

A little research has shown me, however, that sitting still is the worse thing they could be doing.  Although they shouldn't take up an aggressive exercise program, a little gentle movement on a regular basis may be exactly what they need in order to relieve their pain.  One of my friends has chosen to avoid most exercise; the other one has signed up for a yoga class, and believes that it is helping. 

According to the website RealAge.com, there are some exercises that you might find helpful if you are living with the chronic pain of Fibromyalgia.

Exercises that Help Fibromyalgia Pain

Start with water exercises, especially in a warm pool.  You might try swimming laps, or taking a water aerobics class.  Being in the water makes this a low-impact exercise, and it has been shown to reduce stiffness, pain, fatigue and even the depression that is common in people with Fibromyalgia.

If you don't like water, try low impact aerobics, including biking, walking, or a gentle aerobics class.  Do not get too aggressive if you decide to take aerobics.  Take your time and keep the distances short if you are biking or walking.  In fact, you may want to start out on a stationery bicycle or a treadmill, so you can stop whenever you need to.  Keep moving, but don't push yourself too hard.

Strength training may help your muscles.    In fact, according to RealAge, strength training with lightweight hand weights or gym equipment has been shown to reduce the number of tender points on your body ... a common indicator of Fibromyalgia.

Stretching exercises, such as those done in physical therapy and yoga, seem to improve your flexibility, and reduce your stiffness.  Be gentle, and don't push yourself too hard.  However, doing some gentle stretching exercises daily may be a good way to get started on an exercise program for your Fibromyalgia.

Tai Chi and Chi-Gong are both martial arts that will improve your posture, breathing, and balance, and may help you cope better with chronic pain.  The over-55 community where we live offers classes in both Tai Chi and Chi-Gong.  You may want to see if a community organization or senior center in your area offers these classes, too.

Whatever exercise you choose, don't stop.  The people who reap the greatest benefit from these programs are those who keep it up.  If doing a half hour of exercise a day seems too much, break it into smaller pieces.  In fact, spending 10 - 15 minutes engaging in gentle exercises several times a day may be especially effective in helping someone who has become sedentary because of their pain.

As always, check with a doctor before starting any exercise program.

If you are interested in more health and retirement information of interest to retirees and Baby Boomers, use the tabs or pull down menu at the top of this page to find links to hundreds of additional helpful articles.

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



photo courtesy of wikipedia.com/commons

Doctor Housecalls Provide Home Medical Care

Doctor house calls are making a
comeback!  Once again there are physicians
who will come to your home.

An old idea in home medical care is becoming popular again in communities that service a large number of elderly patients.  Like most Baby Boomers, I have no problem hopping in my car and driving 15 miles to see my favorite doctor.  However, since moving into an over-55 community, I have learned that visiting a doctor is a much more complicated process for many of my neighbors.

Although there is a network of volunteers in our town who will drive patients to their doctors' offices, and patients can sometimes take a taxi, these options are still challenging for people who are handicapped, seriously ill or, for other reasons, have trouble getting out of the house.  With the return of physicians who will make house calls, leaving home to obtain medical care may no longer be necessary for people who are home bound.

Doctor House Calls can provide Home Health Services

There are now several medical practices in our area that offer at home care as an option for their patients.  In perusing their ads, I was stunned by the wide range of home care services that were available:

blood work
echocardiograms
urinalysis
blood oxygen level test
doppler ultrasound
EKG's
pulmonary function tests
nerve conduction tests
X-Rays
joint injections
flu shots
wound care
ear wax removal

Types of Patients seen by Home Medical Care Physicians

The doctors who offer to provide these health services in your home treat a wide variety of medical conditions, including patients suffering from these conditions:

strokes
diabetes
asthma
hypertension
emphysema
pneumonia
flu
colds
heart problems
arthritis
abdominal & stomach problems

Obviously, this list does not cover all possible medical conditions.  There are still illnesses which will necessitate an office visit by some patients.  However, if you suffer from one of these common medical conditions, it can bring you real comfort and peace of mind to have the doctors come to you.

Cost of Doctor House Calls

You may be pleased to know that many medical insurance policies will cover the cost of medical house calls with the same co-pay as an office visit.  Since you also eliminate the cost of travel, you may find that receiving home care services actually saves you money.

Availability of Doctor Home Visits

According to a November 13, 2010 article in USA Today, there are currently about 4,000 doctors in the United States that make house calls, and the number is growing.  When I entered "doctor house calls" in the Google search box on my computer, I came up with a number of entries for physicians in my area who make house calls ... in addition to the ads I have seen in my local paper. 

If you have a medical condition that makes it hard for you to get out, you may want to check with your insurance company and see if they have a list of physicians who provide at home care that would be covered by your policy.  It is certainly worth a phone call to find out!  Even if you don't need a doctor who makes house calls at the moment, who knows when you or someone you know might need this service in the future?


If you are interested in more information for the 10,000 Baby Boomers who are now retiring every day, use the tabs or the pull down menu at the top of this page to find links to hundreds of additional articles on where to retire, healthcare issues, financial planning and more.

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

photo "The Doctor Luke Fildes crop" courtesy of wikimedia.com/commons

Sexually Transmitted Diseases After Age 50

Romance is alive even when you
are in your 60's!

Many younger people are uncomfortable when they think about romance and dating among people in their 50's, 60's, 70's or even older.  However, Baby Boomers know that just because we have a few more wrinkles, we aren't dead yet.  Many people remain sexually active for decades after retirement.

When you live in an over-55 community, you are well aware that many of the single adults in these communities are enjoying love and romance the second time around.  People who are widowed and divorced are meeting and enjoying the relaxed feeling of not having to worry about pregnancy, children and all those responsibilities.  However, the one thing that many of them are not thinking about are sexually transmitted diseases!

Sexually Transmitted Disease Rates for People over 50 are Going Up!

According to a CNN report dated May 10, 2011, there has been a significant increase in the rate of sexually transmitted diseases like syphilis, chlamydia and HIV/AIDS in people over the age of 50.  In fact, approximately one-quarter of the people in the US who are living with HIV/AIDS are over the age of 50!

Sexually Active People Still Need to Use Condoms

Part of the problem is that Baby Boomers are not using condoms to protect themselves from STD's.  Since they no longer have to worry about pregnancy, they feel that condoms are not important.  As a result, among men who are NOT in a monogamous relationship, the rate of condom use is about 53% for men in their 20's and only about 28% for men in their 50's.  This decrease in condom use as we age is fueling the dramatic increase in STD's among people who are age 50 and older.

Hopefully, we can all get the word out to our loved ones that they are not safe from sexually related problems simply because they are over the age of 50.  Anyone who is sexually active and not in a monogamous relationship needs to take precautions.  There are enough serious medical problems that will harm our health and slow us down as we age.  We don't need to add to our health issues by exposing ourselves to preventable diseases.

If You Have Been Exposed to an STD - Get Treated!

If you suspect that you may already have been infected with a sexually transmitted disease, do not ignore it.  Contact your physician right away to get medical attention.  Many new treatments are helping people with sexually transmitted diseases live long, healthy lives.

In addition, take responsibility and make sure that your do not pass this disease on to other people.  Make sure that a condom is used whenever you engage in sexual activities and follow your physician's recommendations.

If you are looking for more information about health issues that could arise as you age, financial planning, where to retire, changing family relationships or more, use the tabs or pull down menu at the top of the page for links to hundreds of additional articles.

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

Photo credit:  morguefile.com

If Grandkids Call for Money - Grandparent Scam

Would your grandkids call you
if they were in trouble?

Last weekend a close friend of mine received a terrifying call from her grandson, who lives in another state.  He had rear-ended a car containing tourists from another country, and he had a sealed bottle of vodka in the car when it happened.  He was in a heap of trouble.

My friend asked her grandson details about what had happened.  He told her he had hired an attorney, and he was at the courthouse with his lawyer trying to get everything sorted out.  My friend asked to speak to her grandson's attorney.  The attorney explained what was happening, the charges he was facing, and what the judge felt her grandson should do in order to reimburse the people he had rear-ended for their out-of-pocket expenses.

After talking with the attorney, my friend got back on the phone with her grandson, and asked what she could do to help.  He told her he needed $4000 to be sent to the tourists, to cover their expenses.  Then the charges would be dropped.  He had not been drinking the vodka, and he had passed the sobriety test.  He just needed to cover the expenses.  He was very upset and embarrassed.  He begged her not to tell other members of the family, including his parents.  After discussing the situation more with the lawyer and the prosecuting attorney, to be certain that the charges would be dropped, my friend discussed the situation with her husband.  Then, she and her husband went to her bank, removed $4000, took it to a Western Union office, and had the money wired to the "victims," who were now back home in the Dominican Republic.

The entire incident was part of the well-known GRANDPARENT SCAM!

My friend lost her entire $4000, despite the fact that both she and her husband had read about money transfer scams in our local newspaper.  She simply didn't connect the financial scams reported in the newspaper with the situation she was facing with her grandson.

Once she realized she had been cheated, she reported the case to the local Sheriff's Department and the FBI, but there was nothing they could do to help her.  All the calls originated from outside the US.  The money was wired to another country.  Her grandson had not been involved in an accident; he doesn't even own a car. He was happy and busy doing other things on the morning when all this was transpiring.  He had even called that morning and proudly left them a message about a new job.  However, they were so busy with the money transfer, they didn't listen to the messages on their answering machine.

How to Recognize the Grandparent Scam

When my friend thinks back on the call, she realizes that her supposed "grandson" simply said "grandma" when she picked up the phone.  Then she responded by saying his first name.  He was upset during the call, so it was difficult to recognize his voice.  Besides, she really didn't talk with him on the phone all that often, so she wasn't sure she would have known whether or not it was him, even if he hadn't been pretending to be upset and stressed.

Despite his request to not tell anyone, my friend and her husband should have called other relatives to check on their grandson.  Even if their grandson really was in trouble, taking an extra hour to help him would not have made a difference ... and would have given them an opportunity to check everything out.  These people work in teams, often with several different people available to talk to you on the phone.  You need to get completely independent confirmation before trusting anyone who calls you.

We have already told our own children and grandchildren to not get their feelings hurt if they ever call us for money and we tell them we will call them back later ... after we have had a chance to make a few confirming phone calls.  They understand.

The Grandparents Scam Can Happen to Anyone

In case you think these types of scams couldn't happen to you, my friend is a retired teacher; her husband, who was involved in the decision and helped her wire the money, is a retired parole officer who worked for the Sheriff's Department.  They are both intelligent, very conservative and suspicious of strange phone calls.  Neither one suffers from dementia or any other health condition that would have made them easy marks.  They have a grown daughter who is a lawyer, but they didn't consult her before sending the money.  They didn't try calling their grandson on his cell phone.  They didn't try calling other family members to see if they had heard from their grandson.  Despite all their natural reservations, they fell for this scam hook, line and sinker.

My friend knows that I am making a blog post about this financial scam. We took a long walk at the beach this morning as she relayed the story to me.  She was understandably upset with herself, and angry at the loss of her money.  She also felt powerless to do anything about it.  However, she was adamant that she wanted to do whatever she could to keep it from happening to anyone else, so she asked me to post a fraud alert.  Feel free to forward this post to your friends, in the hope that we can prevent others from becoming victims of money transfer scams and other retirement scams, as well.

Although she isn't sure why they contacted her, the authorities told her that the scammers often target residents of over 55 communities, such as the one where we live.  They also scour Facebook for older people who show photos or mention teenage grandchildren on the site.  These money transfer scams are well-planned, and organized by groups of swindlers who do a lot of research to make their phone calls seem real.

Don't let the grandparent's scam happen to you!

If you are interested in staying up-to-date with other news affecting retirees, use the tabs or pull down menu at the top of this page to find links to hundreds of other articles of interest to Baby Boomers, including where to retire, financial planning, medical conditions, family relations and more.

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

photo courtesy of morguefile.com

Multigenerational Families Living Together Again

In the past, many generations
lived under one roof!

Historically, it was not unusual for three, four or even five generations of one family to live together under the same roof.  However, during the Twentieth Century this became less and less common.  Instead, young couples began to leave their parents' homes and moved to their own houses, often in other cities or states.  As the Twentieth Century progressed, the "nuclear" family became the norm.  In most households, it was rare for there to be more than two generations in residence ... typically a couple and their children.  Usually, when the children grew up and moved out on their own, the parents continued to live in their own home.  This is the exactly the path that life has taken for my husband and me, as well as our grown children.

Multi-Generational Families are Becoming More Common

There are several reasons why this has begun to change again.  Ethnic groups who move here from other countries want multiple generations to live in the same home. The recent recession has caused many young adults to continue to live with their parents.  Baby Boomers who were not well-prepared for retirement or who lost their savings in the stock market, have sometimes been forced to move in with their adult children.

According to a report on ABC News, there are now over 51 million Americans who are living in households with more than two generations.  Since there are approximately 307,000,000 residents of the United States, this means that about one in six people are now living in multi-generational homes, which means at least three generations are living together.  Now that this has become so common again, ABC also had some suggestions for making this lifestyle work.

How to Get Along in a Multi-Generational Living Situation

First, every generation needs their own private space.  In their news story, they showed examples of families that had added onto their homes to accommodate the new family members.  In other cases, families had fixed up basement areas, or cordoned off sections of the home to create small "mother-in-law" apartments.

In addition, they suggested that everyone have clearly defined roles and responsibilities in the family unit.  Rather than everyone trying to do the same things, the family needs to decide who is responsible for the yard work, the cooking, the dishes, the laundry, the childcare, etc.  Then, there is less duplication of effort, as well as less competition, criticism and confusion.

The upside of this arrangement is that many of the family members who were interviewed said that they felt the new family arrangement not only saved them money, but also brought the family closer.

Is Multi-Generational Living Right for Everyone?

However, I recognize that this living arrangement is not for everyone.  Although we have four daughters who lived with us for a period of time spanning more than two decades, we now enjoy having our own residence.  At the same time, we look forward to seeing our grandkids frequently.  In fact, we see two of them at least once or twice a week.  Although we have no plans to change our current living situation, I believe it would be possible for my husband and I to live with one of our daughters if we had to ... as long as we had our own private space and followed the other suggestions listed above.  Because of that, I thought others might also benefit from some helpful guidelines about how to make a multi generational family work!

If you are interested in reading other helpful articles for Baby Boomers, use the tabs or pull down menu at the top of the page to find links to hundreds of additional articles about where to retire, changing family relationships, medical concerns, financial planning and more.

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

photo compliments of morguefile.com

Save Money with Senior Discounts

One way to save money is to take
advantage of sales and discounts!

Did you know that there are a large number of discounts available to senior citizens?  Although some individual companies have their own discount programs, one of the easiest ways to access a large number of different programs is to join AARP.  

Money is a major issue for the vast majority of retirees who are living on a fixed income.  As inflation eats away at their disposable income, more and more of us are looking for ways to save money.  Unfortunately, many of us don't even think to ask for some of the discounts that are available to us once we reach our 60s and, in some cases, even sooner.

When I received my new AARP card, they mentioned some of the discounts that are available simply by showing my card.  In addition, I thought about some of the other discounts I know about, and did a little research to find those that are new to me.  There's no way that any list here can cover all the possible discounts available.  Some discounts that are currently available could be discontinued or changed. In addition, some local businesses in your area may have savings programs that I don't know about.  To be on the safe side, always be sure to ask if there is a discount for people over 55.  Even if they tell you that you will have to wait until you are 60 or 62, at least you'll know.  If they act surprised that you're even asking, take it as a complement.  It means that they don't think you look old enough for a senior discount!

Here are a few of the discounts that I have found.  Check with businesses in your area and compile a list of discounts at businesses you use frequently.  Keep the list tucked in your wallet, and you are less likely to forget about a discount when you are eating out or shopping.

SAMPLE RESTAURANTS
Denny's Restaurant - 20% off evenings w/AARP card (55+)
Applebee's - 15% off w/Golden Apple Card (60+)
Ben & Jerry's - 10% off (60+)
Burger King - 10% off (60+)
CiCi's Pizza - 10% off (60+)
Fuddrucker's - 10% off senior platters (55+)
IHOP - 10% off (55+)

SAMPLE RETAILERS
Banana Republic - 10% off (50+)
Big Lots - 10% off
Goodwill - 10% one day a week (day varies)
Kmart - 20% off (50+)
Salvation Army Thrift - up to 50% off (55+)
Rite Aid drug store - (20% off on the first Wednesday of the month)

SAMPLE TRAVEL SERVICES
Amtrack - 15% off (62+)
Avis - up to 25% for AARP members
Best Western - 10% off (55+)
Comfort Inn - 20% - 30% off (60+)

SAMPLE ENTERTAINMENT
AMC Theaters - up to 30% off (55+)
U.S. National Parks - $10 lifetime pass (62+)

There are many other restaurants, hotels, car rental companies and theaters that offer discounts.  Don't forget to ask at the local businesses that you patronize.  You will be glad you did!  In addition, if you see a discount mentioned here that has been discontinued, please mention it in the comments section.  I will delete it from the article.  Feel free to also add any of your favorite discounts as an aid to others.

If you are interested in learning more about planning a successful retirement, use the tabs or pull down menu at the top of the page to find links to hundreds of additional articles about where to retire, financial planning, medical issues, and family relationships.

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

photo courtesy of public-domain-photo.com

Retiring Former Hippies Spark a New Generation Gap

Former Hippies are Getting
Close to Retirement!

Much to my surprise, when I opened my January 30, 2012 issue of "Time Magazine" and read the column near the back written by Joel Stein, I was stunned to discover that he had devoted a portion of his weekly column to Laguna Woods Village, the retirement community in Orange County, California where I live.  The comments he made were a bit embarrassing and, I'm forced to admit, entirely true.

Marijuana Use in Retirement Communities

Somehow, Joel Stein heard about the little fuss we had in our community last year over medical marijuana plants that are quietly being grown by some of the retirees.  Apparently many of my neighbors are able to qualify for prescriptions that allow them to grow and possess small quantities of pot, and they are taking full advantage of the opportunity.  Needless to say, this has once again created conflict between the Baby Boomer generation and the older retirees who lived here peacefully without marijuana for the past 40 years!

Some Baby Boomers were growing marijuana plants in the garden center, resulting in secret night-time raids by neighboring young people looking for easy access to the plants.  The Boomers wanted the homeowner's association to hire guards!  Instead, the board told them that, if they have a prescription, they can legally grow small amounts on their own patios.  Who knows how many pots of pot are now popping up?

Generation Gap in Retirement Communities

As Joel Stein points out in his column, the issue of whether or not marijuana should be grown in Laguna Woods Village is not the only problem to come between the Baby Boomers and the older senior citizens in this and other retirement communities.  It seems that the Generation Gap that was the focus of the 1960s has reared up once again, especially in 55 and over communities! 

Remember that the Baby Boomers are the children of a generation that grew up during the Great Depression, willingly supported and fought in World War II, and were very frugal with money.  The Baby Boomers, on the other hand, are the generation that listened to Rock n' Roll, loved to travel, and (in some cases) did not support the war in Vietnam.  During the past few years it has not been unusual to see Boomers sitting in lawn chairs on street corners in our community with signs declaring their opposition to the Wars in Iraq and Afghanistan. 

Beyond the issues mentioned by Joel Stein, I've also noticed that Baby Boomers and the older generation are struggling to come to agreement about how to run the community.  While the older generation is satisfied with things that are old and a little worn, as long as they are still functional, the Boomers want facilities and services that are modern and new.  For example, many Boomers are unhappy with our local community cable television station, because we are unable to access some types of programming, such as MTV and Pay-for-View.  The elderly volunteers who serve on the boards do not consider these services worth the extra cost.  Another issue has been our recently completed, elegant new golf and tennis clubhouses, which were resisted by some of the more elderly residents.  The younger residents have been able to get these new facilities built, despite the efforts to stop them, but it has not been easy.

Peace, Love and Rock 'n Roll after Retirement

Overall though, despite the bad publicity and the occasional disagreements, Laguna Woods Village (as well as the other over-55 communities I have visited) is a pretty peaceful place.  There is so much to do in these communities, that there are plenty of opportunities for people to find the types of activities they enjoy, including enjoying dances and music from a variety of time periods. 

It is also possible for residents to quietly putter around their own patios, whenever they want to enjoy some relaxation, peace and quiet.  Of course, from now on when I see one of my neighbors relaxing on their patio, I'm going to wonder if they are actually cheerfully tending their marijuana plants.  Whatever the cause, peace and love are still the rule of the day in Laguna Woods Village!

If you are interested in staying up to date with other issues important to retiring Baby Boomers, use the tabs or pull-down menu at the top of this page to find links to hundreds of additional articles about where to retire, financial planning, medical concerns, family issues and more.

Follow this blog at http://www.baby-boomer-retirement.com

Photo credit:  morguefile.com

Gifts for Baby Boomers and Retirees

Photos are a thoughtful
gift for Baby Boomers!

Have you ever thought about how hard it is to buy gifts for Baby Boomers and retirees?  Most of us have trouble coming up with ideas for our Baby Boomer or retired spouses and friends.  Imagine how much more difficult it is for our children and grandchildren to come up with gift ideas for us.

Below are some suggestions that will help anyone who is trying to come up with gift ideas for retirees or anyone who is over the age of 50.

Photo Gifts for Baby Boomers

One ideal present that is sure to please is a photo gift.  This can consist of a framed family photo, a family history loving compiled into a photo album, or a favorite photo that has been printed onto an apron or coffee mug. There are lots of places where you can purchase gifts like this online.

If you are interested in some specific ideas about where to buy personalized photo gifts, you might want to check out my InfoBarrel article, "Thoughtful Photo Gifts for Mothers Day."  It gives you the names of several stores, as well as a variety of useful websites.

There are a number of excellent reasons why you may want to give a photo gift.  In fact, in a pamphlet I received from Prevention Magazine, they reported that researchers had discovered that looking at personal photos was one of the best natural mood enhancers.  Amazingly, spending time looking at personal photos worked better at elevating your mood than chocolate, wine, TV or music.  So, not only are you giving them a gift they'll love at the moment, but it will elevate their mood every time they look at it.  It's hard to find a better gift than that!

Hobby Gifts for Baby Boomers

Many people are struggle to afford their favorite hobbies after they retire because of the expense.  There are several ways you can help out.  You could have them give you a personal "wish list" or add items to a wish list to a website such as Amazon.  Then, you would know exactly which gifts they would most appreciate.  Or, if you would rather, you could give them a gift certificate to their favorite shop.  You could even give them a gift certificate to a place like a golf course or to go to a similar facility for a special day enjoying their favorite hobby.  Whatever decision you make, you know you will be giving them a gift that will delight them, as well as one they will enjoy over and over again, as long as they pursue their hobby.

Birthstone Jewelry Gifts for Baby Boomers

Grandparents often enjoy receiving a necklace, pendant or ring that has the birthstones of all their grandchildren.  It it a wonderful reminder of these beloved children, and an charming conversation piece.  In other words, when asked about their jewelry, they can use it as an opportunity to tell their friends a little about each of their grandchildren.  This is a piece of jewelry that they are certain to love!  If you aren't sure about what birthstones go with each month, you may want to read my InfoBarrel article, "Top 12 Birthstones and Their Historical Meaning."

Nostalgia Gifts for Baby Boomers

Another idea for Baby Boomers is to give them gifts that make it easier for them to recall their youth.  When I bought my husband an iPod for Christmas a few years ago, one of our daughters flew down from San Francisco to Southern California to help my husband load some of his favorite music from his teens and to show him how to use it.  Not only did we enjoy the impromptu visit from her, but he now loves using his iPod to listen to some of his favorite old music.

The Gift of Time

The above paragraph reminds me that one of the most precious gifts you can give a retiree is the gift of your time.  You could take them to lunch or to a movie.  Offer to take them shopping.  Spend the day with them at the beach or enjoying a sport or activity together.

You might also to perform some chores that need to be done around their house ... whether it is raking leaves, cleaning the gutter, trimming the hedges or painting a room.  Even giving their house a thorough cleaning could be an appreciated gift.

The Gift of Services

What if you would like to help out with those services mentioned above, but you cannot because of your own time constraints or physical health.  Why not give the gift of a service.  Hire a window washer, maid service, lawn service, or other helper for a day.

Many senior citizens would appreciate these types of helpful gifts ... whether you perform them yourself or pay someone else to do them!


More Useful Information for Baby Boomers

If you are over 50, and you are either retired or hoping to retire someday, use the tabs or pull down menu to find links to hundreds of additional articles about where to retire, family relationships, financial planning, health concerns and more.

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

photo courtesy of morguefile.com

Stop Sitting and Start Walking for Your Health!

Walking May Be The Only
Exercise You'll Ever Need!

Over the past few years, there has been a lot of information on the news about how unhealthy sitting is for us.  I have even heard reports that sitting too much can be as dangerous for our health as smoking!  I don't know if that is true or not, although some researchers certainly seem to believe it is. 

Dangers of Sitting Too Much

Whether or not sitting can harm your health as much as smoking, it does appear that spending long hours in a chair can increase your chances of diabetes and cancer, and lead to an early death.  These health risks alone should make us want to get out and start moving.

Sadly, the older you are, the more likely you are to spend hours sitting each day; thus, the dangers of sitting can have severe health consequences as we age.  Researchers highly recommend that, at the very least, people should get up and move around for at least 5 minutes out of every hour.  Use those television commercials to get moving!

The January-February 2012 issue of the AARP Bulletin had an insert that enthusiastically proclaimed that walking may be the only fitness exercise you'll ever need.  They suggested that everyone should get out and walk more if they hope to improve the status of their health. 

How to Start a Walking Program

If you plan to start a new walking exercise program, be sure to get yourself a good pair of walking shoes.  If you do not like heavy walking shoes and you do not plan to participate in a marathon, I have found that the Sketcher's GoWalk shoes (available here from Amazon) are very comfortable and meet the needs of most casual walkers.

Start out slowly, and only go a short distance if you are not accustomed to walking very far.  Start with 5 or 10 minutes, and work up to 30 minutes a day.  If you can't walk 30 minutes all at once, split your time up into smaller segments.  For example, you could walk for 15 minutes twice a day, or walk for 10 minutes three times a day.  If you are willing to wear a pedometer or fitness bracelet like the Fitbit (also available from Amazon), your ultimate goal should be 10,000 steps a day, although it may take you a few months to reach that level.  If you have been sedentary, however, be realistic.  You may be getting less than 5,000 steps a day at first, and that is perfectly OK.

Benefits of Joining a Walking Group

Personally, I have found it really helps to have walking partners.  I walk several times a week with two friends.  In nice weather, we walk along the beach.  If the weather is chilly or drizzly, however, we stroll through the local mall for 45 minutes to an hour.  Either way, we end our walk with a cup of coffee or tea, and some fun conversation.  It's a delightful outing that we all look forward to, and it's good to know that it enhances our health, as well.

If you are a Baby Boomer, you may be interested in keeping up to date with current information affecting our age group by using the tabs or pull down menu at the top of the page to find links to hundreds of additional articles on how to stay healthy, where to retire, financial planning, changing family relationships and more.

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

Photo courtesy of morguefile.com

How to Make Your Money Last the Rest of Your Life

Managing Your Money Well
Helps You Enjoy Retirement More!

Many people worry about whether or not their money will last the rest of their lives.  This is not an unreasonable fear, and several of the posts you will see on this blog have been about how to cut your costs down before you retire so that you can live comfortably on Social Security and whatever other income you can expect to receive.  I've also mentioned a few times that it is wise to work as long as you can, in order to maximize your earned income as well as Social Security benefits. 

The 4% Withdrawal Solution

One area of concern for many people, however, is how to manage the distributions from your IRA, your 401K, or any other retirement savings that you have in place.  How much can you take out in order to insure that your assets will last?  I recently read about the 4% solution, a concept that is simple and makes it easy for anyone to figure out whether or not they are on track.  Here is how it works:

When you retire, at approximately age 66, total up the value of the stocks and cash that you have in liquid assets.  These are the assets you plan to draw down in order to supplement your Social Security.  To keep the math simple, let's assume they add up to $50,000.  Now, make a record of that number, as well as 4% of it, or $2,000. 

If you withdraw no more than $2,000 a year from these liquid assets, they should last 25 years, even if you get a 0% rate of return on the balance.  This means that, if you retire at 66, these assets should last until age 91.  If you get any interest or dividends during that time, which is quite likely, your assets will last even longer.  In fact, with a very conservative 2% rate of return, they should last years longer.

A More Conservative Approach to IRA Withdrawals

If you want to be ultra-conservative, you might start out taking less than 4% during the first few years of retirement.  Then, as you need the money, you can gradually increase how much you draw out each year. 

If, in later years, you want to make sure you are not drawing your money down too quickly, here is how to do a 5 year check on the principle:

After 5 years of withdrawals, you should have 80% or more of your original balance.
After 10 years of withdrawals, you should have 60% or more of your original balance.
After 15 years of withdrawals, you should have 40% or more of your original balance.
After 20 years of withdrawals, you should have 20% or more of your original balance.
After 25 years of withdrawals, you will have depleted your cash assets, unless you have earned dividends and interest over the years to stretch your assets out longer.

If you expect to live to be 100 or older, you may want to start making your withdrawals at an older age than 66, or you may want to only withdraw 3% a year instead of 4%.  At 3% a year, your cash assets should last for over 33 years, or until you are 99 years old or older, if you began withdrawing money at age 66.  Again, this is assuming that you have earned no additional interest or dividends.

Comparing This Method to an Annuity

Some retirees choose to purchase an annuity when they retire, using the money in their IRA or 401(k).  Before doing that, however, you will want to see if the payments you will receive from an annuity will be much larger than what you would get by using the 4% solution.  If not, the 4% solution might be a better alternative than an annuity, since you maintain control of your assets and can get a higher rate of return if interest rates go up.

However, if you decide to do this, you have to be disciplined about not spending down your assets too fast.  IF you start spending more than 4% during the early years of your retirement, because you want a new car, would like to travel, or have other expenses, you may find yourself poverty stricken in the later years.  If you do not think you will be that disciplined, then purchasing an annuity might be a better choice.  At least you will know for sure that you will always have the extra income.

Whichever plan you use, your assets should last the rest of your life if you manage them wisely.  Sadly, far too many people burn through their IRA's as soon as they are able to remove the money.  They are only postponing the time when they will run out of cash, and have to live solely on Social Security ... a very meager sum for most people.  Use your assets wisely, and your money will be there when you need it!

If you need other retirement information, including financial planning, where to retire, health concerns, and changing family relationships, 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:  photoexpress.com

How to Slow Down Alzheimers Disease

Get exercise, learn a new skill, and
spend time with others!

A little article in the January, 2012 issue of Reader's Digest has spurred me to pass on this information about how to postpone the development of Alzheimer's Disease.  The article was a summary of the main points in the new book, available from Amazon.com, "The Alzheimer's Prevention Program," by Gary Small, an M.D. at the UCLA Longevity Center.  If you suspect that you are at particular risk of developing this dreaded disease, this book may well be worth reading.

The Reader's Digest article, and a sidebar accompanying it, relayed some information that could be invaluable to every Baby Boomer.  Dr. Small estimates that people could prevent or postpone a million cases of Alzheimers every 5 years if they would just make one healthy change to their lifestyles.  Below are some of the changes that they recommended.

Lifestyle Changes That May Slow Down Dementia

* Increase your exercise.  Exercise actually increases brain muscle, according to Dr. Small in the Reader's Digest article.  I knew that exercise was good for us, but I had never heard it put in those terms!

* Challenge yourself mentally.  Sitting and doing crossword puzzles is not enough.  Sign up for a college class, learn a new skill, or get into a political discussion.  I have also heard that learning a new language in our 60's can be beneficial.

* Eat healthy food, but not too much.  If you are overweight, you have a significantly higher chance of developing dementia.

* Reduce your stress by meditating, getting a massage, going for a walk, or taking classes in tai chi or yoga.  The better you manage your stress, the lower your dementia risk.

* Socialize with others.  Having friends can reduce dementia risk by as much as 60%!

* Take a few supplements.  In particular, you should take a multi-vitamin, fish oil and curcumin (which is in turmeric, the powder that gives curry powder that yellow color).

These are all simple activities, but they are extremely important in improving the quality of life we will enjoy during the years after retirement.  In addition, if you believe that you are developing serious signs of dementia, despite your best efforts, you will want to see your doctor right away.  There are treatments that can help slow down the progression of the disease.

Whether you are already retired, or just preparing to retire soon, you may also want to get more information by using the tabs or pull down menu at the top of this page to find links to hundreds of additional articles on where to retire, health issues that could develop, financial planning, travel, family relationships and more.

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

Photo credit:  photoexpress.com

Symptoms of Alzheimers Disease vs. Normal Memory Loss

Are you getting forgetful?

As much as we joke about it, most of us start to worry every time we forget an appointment, or misplace our keys.  Is this the first sign of dementia?  Could we be developing Alzheimers?  These are serious fears, because none of us want to become dependent on our spouses or children.  We don't want to spend our final years in a fog of forgetfulness.  So, how do we know if this is normal memory loss, or a sign of developing dementia?

Normal Memory Loss

According to the website for Alzheimers Disease, there are clear differences.  

* In the case of normal memory loss, it is not unusual to occasionally forget names or appointments.  After all, we live busy lives and things will sometimes slip our minds!  

* It is also normal to occasionally walk into a room and forget why you are there.  

* It is not unusual to start to say something, and then forget what you were going to say.  Most of us will also sometimes struggle to find the right word ... insisting that it is "right on the tip of our tongue."  

* Once you retire, you may also sometimes get confused about what day of the week it is, and where you have to be.  

* Certain daily activities can become more difficult as we age, such as balancing a checkbook or remembering where we put something, like our wallet our keys.  

* It is also a normal part of aging to sometimes feel sad or moody.

Warning Signs of Alzheimers or Dementia

If all of those behaviors are normal, when should we be concerned about our memory loss, or changes in the behavior of someone we love?  

* One key sign of serious memory loss is if we begin to forget information that we recently learned, or we become unable to do things that we have routinely done for years, such as prepare a meal, make a phone call, or play a game.  

* A person who is developing Alzheimers may have trouble remembering the names of common items, such as a toothbrush or pencil.  

* Alzheimers also causes people to easily become disoriented; they may get lost in their own communities, and not know how to get home.  

*  There are often behavioral changes, such as wearing the wrong clothing for the weather, or giving away large sums of money.  In fact, dealing with numbers and money can become a huge challenge for them. 

*  They may also frequently misplace items because they have put them in strange places.  In addition, they may experience major mood swings with little reason.

What to do if You Suspect Dementia is Affecting You or Someone Else

If you suspect that you, or someone you love, could be developing problems more serious than normal memory loss, you will want to see your doctor.  There are treatments that could slow down the process.

You will also want to get all the information about the disease that you possibly can.  For example, some forms of dementia could be caused by medication, lack of sleep or other problems.  In those cases, some simple changes could completely reverse it.

If you are living with someone with Alzheimer's, you may feel uncertain about how to communicate with them.  If so, a friend of mine recently wrote a beautiful article called "How to Help a Person With Alzheimers and Yourself."  You will find this article is very helpful as you try to navigate the complexities of living with an Alzheimer's patient.

If you are looking for more information about retirement planning, common health issues, where to retire, changing family relationships and more, use the tabs or pull down menus at the top of this page for links to hundreds of additional articles.

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

(photo courtesy of morguefile.com)
(facts about Alzheimers from AlzheimersDisease.com)

Popular Retirement Cities That are Right for You

Horseback riding is an amenity I
wanted in a retirement community!

Have you decided what you are looking for in a retirement community?  Some people plan to live in over-55 communities.  Others do not want to live in an area where children are not allowed to reside.  Some people want to be near the ocean; others prefer the desert.  You may be looking for an artist's colony; or perhaps you want a great place to play golf the year around.

One choice is to move to a mid-sized city that offers a variety of activities and affordable prices.

U.S. News and World Report, in their article "The 10 Best Places to Retire in 2012," came up with their list of ten American cities that could appeal to retirees for a variety of reasons.  Below is a list of their favorites.  The home prices listed below were 2012 prices.

Popular Retirement Cities

Flagstaff, Arizona has good year-round weather.  It does get snow in the winter, but it rarely lasts long.

Boone, North Carolina is an affordable mountain town.  There are three ski resorts in the area, and it is much cheaper than Vail or Aspen.  In fact, the median home price is about $215,000.

Traverse City, Michigan is on Lake Michigan.  You can buy a house near the lake in the $155,000 price range.

Walnut Creek, California is much more expensive than the other areas, but it has pleasant weather, a lot of retirees, and is an easy drive into San Francisco.

Ithaca, New York is a charming college town, home to Cornell University and Ithaca College.  You can take classes at the colleges, and enjoy spending your time learning and having stimulating conversations.

Lincoln, Nebraska was listed as a great place to launch a second career.  There are good career opportunities for older workers who are interested in technology, government, higher education and healthcare.

Pittsburgh, Pennsylvania has a good mix of amenities and affordability.  Homes can be purchased for under $100,000, yet this is a city with a ballet, symphony, highly ranked hospitals and, of course, the Pittsburgh Steelers!

Port Charlotte, Florida is a bargain for people who want to live on the water in affordable housing.  Homes can be purchased on the waterways for as little as about $60,000.

Pittsfield, Massachusetts is a spot you may want to consider if you are an older single.  52% of the people who are age 55 or older in Pittsfield are single.  However, there are nearly twice as many single women as men, so that does create an unbalanced dating scene.

Santa Fe, New Mexico is the place to consider if you are looking for art galleries and a historic cultural blend of Anglos, Hispanics and Native Americans.

More Things to Consider When Choosing a Retirement City

When we chose our retirement community, we wanted to live in a adult community near the ocean, with lots of amenities.  Since we owned horses for many years when our children were growing up, I was thrilled to discover a place where I could continue to horseback ride, without the responsibility of owning and caring for a horse of my own.  My husband wanted a place where he could play golf whenever he felt like it.  The town of Laguna Woods Village in Southern California met our needs perfectly.

However, this would not be a good choice for someone who wanted to live near a ski resort or who loves to walk in hardwood forests.  There is currently no football team in the Los Angeles area, although you could drive down to San Diego.  When you pick a place to live after retirement, there are many things you need to consider, including the types of activities you enjoy.

Even if you are still a few years away from being fully retired, it is not too soon to start giving some thought to the type of community where you would like to live.  You may want to travel to some of these places on your next vacation, and get a feel for what it would be like to live there.

If you are interested in more information about where to retire, financial planning, medical issues to consider, travel and changing family relationships, you will want to 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, Deborah-Diane; all rights reserved.

Save Money in the Coming Year

What is your
New Years Resolution?

Back in 2010, the Washington Times reported the top New Years resolutions that were made that year.  The top 5 were: give up smoking, cut back on alcohol, exercise, lose weight, find a soul mate. 

While watching Dick Clark's "Rocking New Years Eve" on television in 2012, they listed the top New Years resolutions for that year.  They were very similar, with one notable difference.  The top resolution by the end of the recession was "Save Money".  This is not surprising, considering that many people are still struggling financially.  Many people, and not just Baby Boomers, are trying to learn how to reduce their expenses so they can survive on a lower income.

How to Save Money

However, the fact that saving money was not even on the list in 2010, and was number #1 in 2012, shows just how much our economy changed in a few years.  The AARP Magazine for December 2011/January 2012 addressed ways to save money in a short article called, "Boost Your Savings."

Here are some of the suggestions they had to help people who are having trouble making ends meet:

1.  Have a budget, and use it to decide whether or not you have any expenses that are no longer needed.  For example, if you no longer have any dependents, do you really need as much life insurance?

2.  Instead of cutting out things you enjoy, replace them with less expensive activities.  For example, if you enjoy eating out, share meals or find less expensive restaurants. 

3.  Find a less expensive place to live.  If you look through some of the other blog posts here at Baby-Boomer-Retirement, using the tabs or pull-down menu at the top of the page, you will see a large number of suggestions for affordable places to live on Social Security.   All of these posts list locations across the US where the housing is affordable and there are other amenities that appeal to retirees.  Since housing is the largest expense for most adults, finding a less expensive place to live is one of the best ways to save money.

4.  Finally, AARP recommends that Americans work until they are at least at their full retirement age of 66 or 67, and continue working until age 70 if that is possible.  These years of extra work will maximize the amount of Social Security you will receive.  If you can't keep working at your current job, see if you can find part-time work while you still have your health.  This can make a significant difference in your financial situation after retirement.

If you are looking for additional ideas for how to save money in retirement, where to retire, health issues, changing family situations and more, use the tabs or pull-down menu at the top of the page to find links to hundreds of additional articles.

With that goal in mind, please continue to follow http://www.baby-boomer-retirement.com,.

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