Thursday, January 17, 2013

Alzheimers Symptoms, Risk Factors and Treatment Options

Did you know that the U.S. government has a website devoted to providing information specifically about Alzheimer's Disease?  There are also other websites that provide valuable information to the families of people who are suffering from Alzheimer's. 

These resources are especially important because the U.S. government estimates that there are over five million people in the United States who are currently living with Alzheimer's Disease.  As Baby Boomers age, the number of these patients is expected to increase dramatically to 15 million by 2030.

Alzheimers is the most common type of dementia.  It causes behavioral problems as well as memory loss.  Eventually it can lead to death.  The more we know about this serious illness, the better prepared we will be if it affects someone we love.

Reliable Alzheimer's Disease Websites

First, everyone needs to know how to find reliable and current information online.  Below are two websites, one from the government and one from the Alzheimer's Association.

http://www.alzheimers.gov/medical_treatment.html
http://www.alz.org/alzheimers_disease_standard_prescriptions.asp

The remainder of this article summarizes the detailed information that can be found on these websites.

Like many of you, my family has also been affected by this tragic disease and we have seen the effect it can have on both patients and their families.  Everyone should be familiar with the symptoms and treatment options.

Symptoms of Alzheimer's Disease

It can be difficult to diagnose Alzheimer's because the symptoms can be similar to those caused by other health problems.  Here are the most common symptoms:

Memory loss
Trouble finding words
General disorientation
Difficulty making decisions
Changes in behavior and personality (often this can mean hostility, becoming suspicious, or exhibiting anger)

The longer the person has the disease, the more likely they are to also exhibit some of these additional problems:

Sleeplessness
Agitation
Wandering
Anxiety
Anger
Depression

If you are the caretaker of a person with Alzheimer's, it can be exhausting to continually watch over them, especially if they become agitated and angry.  It is very important that caregivers seek outside assistance.  They also need to take care of their own physical and emotional health without feeling guilty.  Caregivers need to be able to leave the patient with others while they spend time in relaxing and enjoyable activities.

Risk Factors for Alzheimer's Disease

Although there is no clear cause of this disease, there do seem to be certain factors that make us more likely to develop Alzheimer's.  However, even if you have several of these risk factors, there is no guarantee than you will develop the disease.  There is still a great deal about Alzheimer's that is not understood.  The most common risk factors are shown below, and are frequently beyond our control:

Aging (the frequency doubles every five years after age 80)
Genetics
Downs Syndrome
Other intellectual or developmental disorders
Repeated concussions in the past
A traumatic brain injury

Alzheimer's Treatments

There is no cure for Alzheimer's, but there are some medications that seem to delay the symptoms and may even improve the patient's quality of life:

Cholinesterase Inhibitors and Memantine

These drugs, which are sold under the names Aricept, Exelon, Razadyne, Cognex and Namenda, help treat memory loss, confusion and similar problems with reasoning and thinking.

In some cases, high doses of Vitamin E may also be prescribed.

Other Medications

In addition, medications may be prescribed to help with other symptoms of Alzheimer's, such as depression, insomnia and anxiety.  While these do not stop the progression of the disease, they may make the patient happier and improve their quality of life.


If you are interested in learning about dementia, Alzheimers and aging you may be interested in reading these excellent articles:

The Mind Diet Reduces Alzheimer's Risk:

http://www.baby-boomer-retirement.com/2015/07/mind-diet-reduces-alzheimers-risk.html

Is it Alzheimer's or a Treatable Disease?:

http://www.baby-boomer-retirement.com/2014/05/is-it-alzheimers-or-treatable-disease.html

How to Talk to Someone with Alzheimer's:

http://www.baby-boomer-retirement.com/2014/05/how-to-talk-to-someone-with-alzheimers.html

The UCI 90+ Study at Laguna Woods Village

http://www.baby-boomer-retirement.com/2014/05/the-uci-90-study-at-laguna-woods-village.html



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

Photo of elderly person courtesy of www.morguefile.com

Sunday, January 13, 2013

Over 55 Retirement Communities by Del Webb

If you are looking for a retirement community in the coming years, one over-55 community builder that should be on your list is Del Webb.  This company is one of the top developers of retirement communities in the United States with attractive homes and amenities that appeal to many retirees.  Before my husband and I chose our current retirement community, we looked at some very appealing Del Webb communities.  While we were just looking in the Southern California area, I was surprised to learn that Del Webb builds retirement homes across the United States.  Consequently, I thought my readers would like to know more about what these communities have to offer.

Locations Where You Can Find a Del Webb Retirement Community

Del Webb has retirement communities in Northern California, Southern California, Nevada, Arizona, New Mexico, Colorado, Texas, Missouri, Illinois, Tennessee, Indiana, Michigan, Ohio, Florida, Georgia, South Carolina, North Carolina, Virginia, Maryland, Massachusetts and Connecticut.  As you can see, they are not limited just to the Sun Belt.  They have communities in nearly every region of the United States.

Typical Community Amenities

A typical Del Webb retirement community has a large, beautiful clubhouse, swimming pools, tennis courts, clubs, classes, social events and volunteer opportunities.  Many of them also have golf courses.  These communities are designed to help residents lead an active lifestyle after retirement.

Examples of  Del Webb Retirement Communities

Below you will find information on two retirement communities that were built by Del Webb, with homes built by Pulte, the major home builder that owns Del Webb.  This will give you an idea of prices, sizes and community amenities.

Solera Diamond Valley in Hemet, California

Prices in this community range from about $225,000 to $350,000.  Homes range in size from 1511 to 2340 square feet and have two to three bedrooms and bathrooms.  Community amenities include a fitness center, indoor and outdoor pools, indoor walking track, courts for tennis, bocce ball and pickle ball, hobby rooms, clubs and classes.

Sun City Shadow Hills in Indio, California (near Palm Springs)

Prices in this community range from about $250,000 to $500,000.  The houses range in size from 1321 to 2955 square feet and have two to three bedrooms and bathrooms.  This community has an 18 hole golf course, an 18 hole par 3 golf course, an 18 hole putting course, indoor and outdoor pools, courts for tennis and bocce ball, a library, amphitheater, ballroom, hobby rooms, clubs and classes.
Where to Find More Information
If you believe that you might want to find a Del Webb retirement community in your area, you can get more details at: http://www.delwebb.com/
If you are looking for more places to retire in the United States or abroad, use the tabs or pull down menu at the top of this article.  They contain links to hundreds of additional articles on where to retire, financial planning, health issues and more.

If you are trying to choose a retirement community that is right for you, you may also be interested in reading:

Over 55 Retirement Communities by Four Seasons
You are reading from the blog http://www.baby-boomer-retirement.com
Photo of palm trees courtesy of www.morguefile.com

Thursday, January 10, 2013

Help Soon for Boomers Without Health Insurance

Several Baby Boomer women I know are in the uncomfortable position of having lost their health insurance.  This happened because they were paying for their insurance through their husband's employer.  When the husband retired, sometimes sooner than they had planned because of an illness or job loss, the husband was able to go on Medicare if he was at least 65 years old.  Unfortunately, if the wife was under 65, they were not eligible for Medicare.  Some of these women have been able to obtain expensive personal policies, often through COBRA.  However, others are just hoping and praying they stay healthy until they are old enough to go on Medicare, too, especially if the high cost of COBRA or a pre-existing medical condition makes the cost of health insurance prohibitive.  I'm sure this same situation has happened to men who are dependent on their wife's employer for health insurance, too. 

New Health Insurance Exchanges

Fortunately, this should no longer be a problem after the end of this year. Beginning in 2014, insurance companies can no longer refuse to insure adults who have pre-existing conditions.  Starting this October, most states will have online insurance exchanges that will enable people of any age to begin shopping for affordable insurance policies, whether they have a pre-existing condition or not. The AARP Bulletin for January - February, 2013 recently reported on the status of the new health insurance exchanges, which were mandated by the Affordable Healthcare Act.

According to AARP, most states have already begun to decide how they will handle these exchanges.  Seventeen states and the District of Columbia have announced that they will operate their own exchanges; five states will partner with the federal government; eighteen states have said they will accept the default exchange that will be operated by the federal government; the remaining states have not made a decision.

How the Health Insurance Exchanges will Work

These exchanges will operate online.  They will be open to small businesses and individuals who cannot get affordable insurance through their employer.  The exchanges will also help people identify if they are eligible for any financial assistance through tax credit premium subsidies.  This will make it possible for even low income people to afford health insurance.

The goal of a health insurance exchange is to help anyone who does not have insurance, or who loses their insurance for any reason, to be able to replace their policy quickly, efficiently and at a reasonable price, even if they have a pre-existing condition such as a history of cancer, kidney disease or diabetes.  If the exchanges work as planned, they will give couples on the verge of retirement one less reason for worry.

There is another reason why we may experience some financial relief as a result of these exchanges.  Many Baby Boomers I know have been helping their adult children pay for health insurance.  Others are assisting their adult children by helping to pay off large medical bills their children incurred because they were uninsured.  The new insurance exchanges should bring us all some peace of mind.

If you are a Baby Boomer concerned about health issues, you may also be interested in reading these articles:

Sexually Transmitted Diseases After Age 50
Doctor Housecalls Provide Home Medical Care
How to Avoid Phony Online Pharmacies
Planning for Long Term Medical Care

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

Photo of senior couple courtesy of www.morguefile.com

Sunday, January 6, 2013

Top Retirement Cities for Single Baby Boomers

With so many Baby Boomers either divorced or widowed by the time they reach retirement age, many are looking for fun, affordable and interesting places to live when they retire.  They want places to meet other seniors, good spots for walking both indoors and outdoors, restaurants, entertainment, sports teams, cultural activities and diversity.

AARP has created a list of the cities which they believe have a lot to offer single Baby Boomers, both those who are still working, as well as those who are retired.

Criteria for the Best Retirement Cities for Single Baby Boomers 

AARP used as their criteria cities that are either recognized for their friendliness or their tolerance of newcomers, communities where a large percentage of the residents are over the age of 65, places where there are plenty of interesting things to do, and cities known for their excellent health care choices.  While most of the cities also have a moderate cost of living, some of the cities on their list, such as San Francisco and New York, are quite expensive.  However, AARP decided to include them because they have so many other good attributes.

Before moving to any of these cities, seniors will want to do their research.  There were a couple of areas that particularly concerned me with this AARP list. Nearly all of these cities have at least some areas with high crime rates.  St. Louis, for example, was rated according to FBI crime statistics as the most dangerous city in America, just a couple of years ago. Many of these cities also have problems with traffic and air pollution.  It would be wise to spend some time visiting and getting to know these cities before buying a home or making a financial commitment.

AARP List of Good Cities for Single Seniors

Baltimore

This waterfront city has the nickname "Charm City."  It has historic neighborhoods, and a friendly atmosphere.  It is near Washington, DC, but it tends to be more affordable.  You can enjoy a wide range of restaurants, theaters and sporting events either in Baltimore or nearby Washington.  The median home price for a single family home is $277,640 and the median household income is about $40,000, which is within the reach of many retired singles.

Minneapolis - St. Paul

The Twin Cities, as they are known, have one of the nation's lowest death rates from heart disease.  The area is known for its friendliness, abundant parks, and numerous outdoor activities.  It also has a world class symphony, theaters and plenty of active, energetic people of all ages.  The median price of a home is $225,000 and the median household income is about $63,000.

St. Louis

St. Louis is a charming city that has been rated one of the most liveable cities in America.  It also has a high crime rate. On the other hand, there are sports teams, a symphony, an opera, museums and a large park system, including Forest Park.  The St. Louis Zoo is one of the top ranked zoos in the United States.  More than 10 percent of the population is over the age of 65.  It is also very affordable.  The median price for a single family home is $144,000 and the median household income is about $34,000.  I have a nephew who is a St. Louis fireman.  He owns a two-story duplex.  He lives on one floor and rents out the other, which keeps his cost of living very low.  There are thousands of these types of duplexes in the city, which provides a great opportunity for anyone living on a tight budget.

Cleveland

Cleveland is the home of the Rock 'n Roll Hall of Fame, and considers itself the Rock 'n Roll Capital of the World.  It also has a number of theatrical, ballet and dance companies.  In addition, it has a high percentage of residents over the age of 65.  In fact, the suburb of Beachwood has over 32 percent of its population over the age of 65.  Home prices are also exceptionally reasonable, with the median price for a single family home only about $90,000.  The median household income is approximately $28,000.

Philadelphia

Philadelphia is a friendly, historic city with a wide range of restaurants, a zoo, ballet, Museum of Art and many other places where singles can meet and mingle.  The city is also moderately priced, with a typical single family home costing under $200,000 and the median household income about $40,000.

Pittsburgh

Pittsburgh is an energetic city with a population that is growing younger rather than older.  In addition to the many cultural events, there are even programs that organize walking groups for residents over the age of 50.  The foreclosure rate is also very low in this city where the median home price is only about $125,000 and the median household income is around $40,000.

Milwaukee

Milwaukee is a fun, friendly city that is more like a collection of small villages.  There are plenty of local restaurants and bars where people get together, in addition to the symphony and several museums.  The median home price is $140,000 and the median household income is around $37,000.

Boston

While Boston gets more than its fair share of harsh winter weather, residents seem to enjoy living there.  The city boasts world class universities, sports teams and cultural opportunities.  While traffic can be terrible, the excellent mass transportation makes it much easier to access the various parts of the city.  Boston is more expensive than some of the other cities on this list, with the median price of a home $467,000 and the median household income about $52,000.

San Francisco

San Franciso is a very single friendly city, although it has a high cost of living.  It also has a very diverse population, including a large number of gay and lesbian residents.  This tolerant city has plenty of restaurants, clubs, museums and sporting events.  My husband and I just spent Christmas Eve in San Francisco with our family, and had a delightful time in the city.   Affluent retirees will have a lot of fun here. The median home price is $1,000,000 and the median income is $75,000 ... although many of those residents have either owned their homes a long time, are renters, or they belong to the new class of affluent residents.

New York

Very little needs to be said about all the diversity, excitement, cultural opportunities and sporting events that New York City has to offer.  It can also be affordable if you are willing to live in one of the boroughs other than Manhattan ... for example, in Queens or the Bronx.  Overall, the median home price in New York is $575,00 and the median household income is about $52,000, although both vary widely.  In Manhattan, the median home price is closer to $1,000,000.

If you would like to learn more about these great cities for single seniors, read the full AARP article at: http://www.aarp.org/home-family/livable-communities/info-06-2012/great-cities-for-older-singles.html

If you are looking for more information about where to retire, financial planning, health issues and family relationships, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

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

Photo courtesy of www.morguefile.com