Move to the Abruzzo Region of Italy

Baby-Boomer-Retirement.com has covered a variety of overseas retirement options, including locations in South and Central America, the U.S. territories, and Thailand.  Only rarely have I mentioned locations in Europe because so many of them are as expensive, and sometimes more expensive, than retiring in the United States.

Recently, however, I have learned about a few European locations that are charming, convenient and affordable!  The first one I wish to cover is the Abruzzo region of Italy.

Cost of Living in Abruzzo

According to some estimates, an American couple could live comfortably in Abruzzo for about $1500 to $1700 a month, including renting an apartment or house for about $450 to $700 a month.  (If you prefer to buy, homes can also be purchased in the $50,000 to $150,000 price range.)

In addition to rent, an estimated monthly budget would include $100 a month for local transportation, $50 for utilities, $125 for phone/internet/cable service, $125 a month for household help, $300 for groceries and $300 for entertainment and other expenses.

(Note:  I took the above figures from articles that were written in 2013 and 2014.  None-the-less, one person in the comments section suggested that the figures should be increased.  You may want to adjust these numbers substantially upward if you are planning to retire there in 2020 or later.  Even with a 20% increase, it would still be possible to live there for less than $2500 a month, an average amount for a retired couple living solely on Social Security.)

Senior citizens in Italy are frequently offered restaurant discounts and there are express lines for seniors in many public locations, including grocery stores.

Not only is the cost-of-living for Abruzzo well within the means of most American couples who are living solely on Social Security, but many couples will also be able to occasionally tour around Europe or visit the United States.  The region is only about an hour's drive away from Rome, and residents have easy access to both train and air travel.

Climate and Quality of Life in Abruzzo

Americans moving to this region of Italy will find a very appealing climate.  Summer temperatures are warm and can reach into the low 90's.  Temperatures in the spring and fall will typically range from the 60's to the 80's.  In the winter, the average daytime temperature is in the 40's or 50's, although temperatures can become colder and there is increased precipitation the further inland you are from the sea.  It is very rare for the temperatures to be freezing along the coast of the Adriatic Sea, while snow can fall in the nearby mountains.  Consequently, you can live in this area of Italy and still choose the climate you think your would prefer.

Like Southern California, in a typical Abruzzo winter it is possible to visit the mountain ski slopes in the morning and relax at the beach that afternoon.

This picturesque region is full of lovely vineyards, gorgeous castles and romantic stone villages.  There is a low crime rate and residents can expect to find friendly, caring neighbors.  The hillsides are gorgeous ... as you can tell from the above photo of fall foliage in Abruzzo.

Italian Healthcare System

Americans cannot utilize the Medicare system when they are living in another country.  It is also unlikely that you will qualify for the national health plan service in Italy.  However, you can pay privately for your medical care and it tends to be quite affordable ... about $30 for a doctor visit and $200 a night for a hospital stay.  The quality is quite high, as well.  Italy's healthcare system is ranked second in the world by the World Health Organization, far above the United State's 37th ranking.  If you have a serious, chronic condition which could require frequent treatments and doctor visits, however, it may be worth it to contact a hospital in the area to get a realistic idea of what you would need to spend per year to maintain your health.

Risks of Moving to Italy

It is important that people understand that there are risks when moving to another country and you have to take precautions to protect yourself.  In particular, you should know that you cannot buy some types of homeowner's insurance which are common in the United States.  Some types of natural disasters are not covered by insurance.  Since this could change over the years, it is important you speak with an attorney and insurance agent to learn more about specifically what would and would not be covered should your home be damaged or destroyed in a wild fire, earthquake or flood.

In addition, you should be careful about putting down what Americans call "earnest money" when purchasing a property.  According to an Italian woman who contacted me, "Tell buyers never to advance money to the realtor or to the owners. In case an advance of money is requested, go to the Notary for the "rogito" (passage of property), and always ask to send the money the the "clients account" of the Notary. Be careful in Italy. There are two forms of advance money.  One is called "accounto" and the other "caparra confirmatoria". The "acconto" goes back to the potential buyer , should he decide that he changed his mind; but if the Notary registered the advanced money as "caparra confirmatoria" the money is lost if the potential buyer steps back."

As you can see, it is very important that buyers understand the laws before entering into a real estate transaction.   The same can be true if you decide to start a business or engage in any business dealings in Italy or any other foreign country.  It is always wise to be well informed.

Sources:

http://money.usnews.com/money/blogs/on-retirement/2013/10/15/retire-to-italys-most-enticing-affordable-region

http://www.huffingtonpost.com/2013/06/18/best-places-to-retire-2013_n_3460170.html

http://www.expatfocus.com/expatriate-italy-abruzzo

If you are thinking about moving to another country, you may also be interested in using this Amazon link to the book:  "How to Retire Overseas: Everything You Need to Know to Live Well (For Less) Abroad."

If you are making your retirement plans, use the tabs at the top of this page to find links to hundreds of articles about places to retire in the United States and overseas, financial planning, medical concerns, family relationships, and more.

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

Photo credit:  www.morguefile.com

Relax - Slight Memory Loss is Normal!

In the past couple of months, I have written several posts about Alzheimer's disease and dementia.  It is an issue that concerns nearly everyone over the age of 60.  However, the good news is that most of us will NOT become seriously disabled by dementia.  Since that is true, we certainly do not want to worry ourselves sick every time we forget a name or lose our keys.  How can we tell the difference between real dementia and normal memory loss?

Slower Recall is Normal as We Age

If you have been a jogger, hiker or tennis player most of your life, you probably accept the fact that your ability to perform these activities has slowed down a bit as you aged.  (Let's be honest, it may have slowed down a lot.)  At the same time, if you are a little less quick to remember a name or some other information, your slower thinking ability is as normal as your slower physical ability.

Here's how you can tell the difference:  If it just takes you a few extra minutes to recall the information or, when prompted, you can instantly confirm that the suggested information is correct, this means you still have the memory and it has not been completely lost.  It is normal to have trouble recalling all our memories as we age.

On the other hand, if you cannot remember something at all and, even when prompted by someone else, the name or event does not seem familiar to you, then you really are losing portions of your memory.  That is the beginning of dementia.

Distractions Can Make it Harder for Anyone to Remember Things

In addition to recalling information more slowly, we may also have a lot on our minds, especially if we lead busy lives ... which is true for most of us Baby Boomers.  Are you still working, involved in family activities, belong to clubs, caring for relatives, planning trips, paying bills, and feeling overwhelmed at times by all the demands on your time?  As we age and tire out more easily, all these obligations may make it even more difficult to recall details or retrieve new information ... such as where we set down our keys or the doctor's appointment we made.

If you are busy and preoccupied, with a number of thoughts running through your head, it is not unusual to have difficulty recalling certain details and automatic actions, no matter what your age.  That is normal.

On the other hand, if you are relaxed and have plenty of time and opportunity to focus on what is going on, and you still cannot recall important events or information, then that could be a sign of dementia.

Flipping the Dementia Statistics

When I reported a few weeks ago on the University of California - Irvine study that showed the prevalence of Alzheimers and dementia in our population, I realize the article focused primarily on the bad news ... that a small number of us will develop dementia and the percentage doubles every five years.

In other words, I pointed out that by age 90 approximately 10% of the people who are still alive will have dementia.  That means that 90% of people will NOT have dementia, even by the age of 90.  At age 85, only 5% of us will have dementia ... leaving 95% of us with normally functioning memories ... despite the fact that our thinking may be a bit slower. 

According to an article in the "2014 Answers Guide" published by the Orange County Council on Aging, people who are aware enough to ask whether or not their memory loss is normal, do not usually have a serious problem ... which is certainly a relief to know.

Relax.  Dementia is something that most of us will not have to worry about!  Now ... where did I put my keys?

Source:

"What is 'Normal' Memory Loss," 2014 Answers Guide, Orange County Council on Aging, page 40.

University of California-Irvine, 90+ Study on residents of Laguna Woods Village

If you are interested in other medical issues that will affect us as we age, check out the Medical Concerns tab at the top of this article.  You will also find tabs with suggestions on where to live after retirement, financial planning, family issues and more.

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

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Is It Alzheimers or a Treatable Disease?

One of the biggest fears most of us will have as we get older is that we may develop Alzheimer's Disease or another form of dementia.  Every time we lose our keys, forget a friend's name, or can't remember why we entered a room, we worry that this could be the beginning of our mental decline.

Baby Boomers take vitamins, get exercise, work crossword puzzles and play video games, all in an attempt to do everything they can to ward off dementia.  The good news is that these efforts can sometimes be successful at slowing down our mental decline. 

However, did it ever occur to you that your forgetfulness, brain fog and periodic bouts of confusion may actually be caused by a treatable disease? The problem comes in determining which cases can be treated and which cases cannot.


While we all dread receiving a diagnosis of Alzheimer's or dementia, sometimes our memory loss and mental confusion is actually caused by a treatable illness and none of us would want our doctors to overlook this possibility!

According to the April, 2014 AARP Bulletin, in an article entitled "Am I Losing My Mind?" there are at least eight health issues that can "masquerade as dementia."  If you suspect that one of these problems could be causing your memory loss, you will want to have your doctor test you for them.

Eight Treatable Causes of Memory Loss and Confusion

Normal Pressure Hydrocephalus (NPH) - Fluids are putting pressure on your brain.  This problem may be corrected with a shunt.

Medications - If you become forgetful, especially after taking a new medicine, tell your doctor about all your medications and supplements; you may be having a reaction and a simple adjustment could restore clear thinking.

Depression or other mental health problems - Depression, anxiety, bi-polar disorder and similar mental illnesses can cause us to lose focus and have trouble thinking clearly.  Medications, exercise and/or cognitive therapy may be able to  resolve the issue.

Urinary Tract Infection (UTI) This one was a surprise!  However, infections of any kind, including UTI's may be asymptomic.  This means you may not realize you have an infection. However, once discovered, it can be treated with antibiotics and lifestyle adjustments.  Infections, especially UTI's, are a common cause of foggy thinking.

Thyroid disease - Although it can be detected with an easy blood test, many people go years without having their thyroid disease detected.  Once discovered, it can be treated with medication or, in some cases, surgery.  Symptoms include depression, foggy thinking, weight gain and feeling cold.  If you are experiencing these problems, be sure to have your thyroid checked.

B-12 deficiency - This is a type of anemia that cannot be treated with iron; however, injections of B-12 about once a month can make a tremendous difference in helping you to think more clearly and have more energy.

Diabetes - This is a very serious disease which, if left untreated, can even result in death.  It is important to catch and treat this disease early in order to reduce its affect on the brain

Alcohol abuse - It is amazing how many physicians do not consider the possibility of alcohol and drug abuse when they are attempting to diagnose the cause of dementia.  While the dementia can sometimes be resolved by simply abstaining from alcohol, in some cases it may be necessary to reverse the brain damage by using thiamine replacement therapy or similar treatments.  It is encouraging, however, to know that there are treatments that may make a significant difference in how clearly you think, even after years of alcohol abuse.

If you suspect that one of these issues could be causing memory loss for you or someone you love, make sure that you or your loved one receives all the possible tests and treatments.  Do not assume that dementia cannot be reversed and do not give up your quest for an alternate diagnosis too soon.  None of us want to suffer for years from a problem that could have been easily treated if it had been caught earlier.

Sources:

"Am I Losing My Mind?" AARP Bulletin, April 2014, pgs. 18-20

http://video.aarp.org/video/Treatable-Causes-of-Memory-Loss

If you are interested in reading about other issues that could arise as you age, check out the tabs at the top of this page, particularly the one on health concerns.  You will find links to hundreds of other articles that have been written for this blog.

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

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How to Talk to Someone with Alzheimers or Dementia

After completing my post on the "UCI 90+ Study at Laguna Woods Village," I thought this would be a good time to follow up with a little more information about dementia and Alzheimer's Disease.

My mother has dementia and it has become quite advanced.  She can only remember most things for a very short time.  As I have come to understand, speaking to someone with dementia or Alzheimers can be extremely frustrating.   My mother lives with my sister, so I only call a couple of times a month to talk with her.  I know she probably does not remember that I called, but I like to touch base with her, anyway.  I've done some research on how to talk to someone with dementia, so that our phone conversations are less frustrating. 

Typically, dementia patients may repeat themselves endlessly and they sometimes become anxious, hostile, angry, abusive or exhibit other negative emotions and behaviors. In addition, they may not remember who you are, the last time they spoke with other family members, what decisions they have agreed to in the past, or where they have stored things.  In my case, my mother seems to know who I am, but she repeats the same stories every time I call.  I have found it helpful to keep our conversations short and not ask too many questions, because they seem to frustrate her.

What are some other ways to communicate with a dementia patient, while reducing their anxiety and keeping them calm?  The Alzheimer's Association provided me with a handout at a recent Senior Summit that I attended.  I found their suggestions so helpful, that I have condensed them below.

Do's and Don'ts for Talking to the Memory Impaired:

Do's

Be kind
Speak in short, simple sentences
Be patient, cheerful and forgiving
Allow plenty of time for a response
Repeat your statements exactly the same way
Agree with them, even it if is just to reassure them
Leave the room, rather than have a confrontation with them.
Accept blame for problems, even if you aren't actually to blame for the problem


Don'ts


Don't test their memory loss.
Don't confront or blame them.
Don't try to reason with them.
Don't take forgetfulness personally. 
Don't remind them they forget things.
Don't argue, correct or contradict them.
Don't ask open-ended questions; they are too complex.
Don't forget that they are frightened because of their memory loss.

I plan to keep this list handy when I talk with my mother on the phone because I have noticed that she gets very confused when I ask her about recent events ... such as what she and Dad did during the past week.  I realize now that a question like that is too open-ended.  She does better with yes and no questions or simple statements.  In addition, when she does remember something, she repeats it over and over again.  For example, my mom and dad recently had dinner with my dad's sister.  When I called the next day, my mother told me several times about their dinner together.  I just patiently listened.  I was delighted that she had such a pleasant memory of the dinner.

Of course, if you are living with someone who has dementia, there may be times when they become hostile, angry or irritable, and you may not know what to do.  My brother-in-law has told me that this sometimes happens with my mother, which is hard on him.  If this happens in your family, there is a hotline that you can call for advice ... and I highly recommend that you use it before you become frustrated and upset, too. 


Need Immediate Help?  Call the Alzheimer's Hotline:  1-800-272-3900

You may also want to read additional information about Alzheimer's and dementia, possible treatments, research in the field, and the ways in which the Alzheimer's Association is able to provide assistance to caregivers.  To find out more, use the website below:

Source for Information about Communication with the Memory Impaired:
  
https://www.alz.org/

Are you concerned about other medical conditions that can arise as you and your spouse age?  Use the tab at the top of this blog in order to find links to a number of articles about Medical Concerns.  In addition, check out the other tabs for links to hundreds of articles about where to retire in the United States or overseas, financial planning and similar retirement issues.

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

Photo credit:  www.morguefile.com