Vaccines for Senior Citizens - Which Ones Do You Need?

While the world waits for a successful vaccine to help us fight the Covid-19 coronavirus, it is important that we make sure we are taking advantage of other vaccines which have been proven to help us age better, with fewer unnecessary diseases.  We currently have access to a number of important vaccines which can protect us from a variety of serious illnesses.  You may want to talk to your physician to find out which vaccines would be right for you.

Vaccines Can Protect Your Family

When our daughter became pregnant a few years ago, her pediatrician told her that all the adults in the family, including grandparents, should get a Tdap booster shot before handling the baby, to protect the infant from whooping cough. There was a good reason for the pediatrician's concern. More than 48,000 people in the U.S. developed whooping cough in 2012.  That was the highest number of cases since 1955.  The disease can last ten weeks or more, and is highly contagious. It can be serious for anyone, but is potentially fatal for infants. It is important that everyone who will be handling a baby has an up-to-date whooping cough vaccine.  The one you had as a child may no longer give you immunity.

If you are uncertain how vaccines can protect you and your grandchildren, you may want to read the handy book, "Your Baby's Best Shot: Why Vaccines are Safe and Save Lives."  The information in this book about vaccines for infants will pertain to adults as well, especially if they may have missed some childhood vaccines, and the book is very reassuring about the benefits and safety of vaccines. (Ad)

In addition to getting vaccinated to protect our grandchildren and other family members, there are a number of vaccinations which are recommended for senior citizens in order to protect their own health, and reduce their risk of an unnecessary and untimely death.  According to an article in the September, 2019 issue of AARP Bulletin, "The Vaccines You Need," below is a list of the vaccines which every senior citizen should discuss with their physician and receive, if their doctor deems them appropriate.

Vaccinations for Older Americans

Flu Shot - Every year the strains of influenza which are traveling around the globe change, and we need a new shot to protect ourselves.  Approximately 36,400 to 61,200 people in the United States die from the flu each year, and the majority of the deaths are in people over the age of 65.  Getting a flu shot can protect you and, if you get the flu despite having the shot, the symptoms are likely to be milder.  In addition, Medicare will cover the full cost of the shot, so seniors have no out-of-pocket expense. If you protect yourself from influenza, it will be one less thing to worry about, especially while we wait for a Covid-19 vaccine, since the initial symptoms of the two diseases can be similar.

Shingles - If you have ever known someone who developed shingles, you know how miserable it made them.  Shingles is actually caused by the chicken pox virus, so if you had chicken pox as a child, you will definitely want to get vaccinated against shingles. The newest vaccine is called Shingrix and can result in some mild side effects such as fever, chills or muscle pain.  It also requires two shots which are given several months apart.  However, it works better than the older vaccine, called Zostravax.  You should get Shingrix, even if you had the Zostavax vaccine, as long as the Zostavax vaccine was given to you more than eight weeks ago.

Chicken Pox - If you have never had chicken pox, you may assume you have nothing to worry about by the time to reach your 60s.  However, this is the time you need to be more careful than ever about catching any "childhood diseases."  These diseases are more dangerous than ever as you age.  Even if you are never around someone with chicken pox, you could still be exposed by someone with shingles.  If you want to know whether or not you have ever had chicken pox, to help you decide whether you should get the shingles shot or the chicken pox vaccine, your doctor can perform a blood test to determine if you have had an immune response to chicken pox.  If you are unsure, it is worth getting the test.  My husband always swore he had never had the chicken pox.  However, when he was tested, they found chicken pox antibodies in his blood. He must have had a mild case when he was young, and didn't realize that he had it.  After discovering that he had, indeed, had chicken pox as a child, his physician gave him the shingles vaccine.

Pneumonia - As you age, your risk of dying from pneumonia increases.  There are two different vaccines, PCV13 and PCSV23. They both protect against different strains of the bacteria which cause pneumonia and other illnesses, but PCV13 targets strains which are now less common. The CDC recommends the PCSV23 for anyone age 65 and older.  If you have any serious chronic health conditions such as kidney failure, heart disease, liver disease or HIV, it is especially important you get vaccinated against pneumonia as early as possible.  Remember, this shot only protects you against bacterial pneumonia. It is still possible for you to get viral pneumonia, so see if a doctor if you develop a serious respiratory illness.

MMR or Measles, Mumps and Rubella - You may already be protected against these illnesses if you were born before 1957, simply because you probably already had these diseases and now have antibodies against them.  You may also be protected if you got vaccinated after 1957, but not during the years between 1963 and 1967, when the vaccine used at that time was ineffective.  Confused or uncertain about whether you are protected?  It will not hurt to get vaccinated again. Over the past few years, there have been a number of cases of measles in the U.S. You do not want to risk being exposed to something like the measles or mumps if you are also suffering from another chronic condition.

Tdap or Tetanus, Pertussis and Diphtheria - When my physician discovered that I was regularly horseback riding and spending time in an old barn, she immediately gave me a Tdap shot to boost my tetanus protection.  Everyone needs to have a booster every ten years, but many people stop bothering as they age. For me, there was a second advantage to getting a Tdap booster. It also protected me against pertussis, or whooping cough, just at the time my daughter's pediatrician insisted all the relatives be inoculated.

Hepatitis A and B - You may have already been vaccinated against hepatitis, but it is worthwhile to confirm that fact with your doctor.  In addition, you should get tested for Hep C, too.  Hepatitis A is a very contagious viral liver infection which causes abdominal pain and jaundice; it is often spread through contaminated food.  Hepatitis B is a separate illness which is usually spread through sexual contact.  The combination Hep A and B vaccine can protect you from both. Hep C is common in Baby Boomers, but there is no vaccine available, yet.  Should one become available, you should discuss with your doctor whether you should get it.

I want to assure my readers that I have taken my own advice and had all the above inoculations.  I have gotten the flu shot annually for decades.  I have had both variations of shingles shots, and both types of pneumonia vaccines.  When my Tdap inoculation expires, I will get another booster.  The worst side effect I ever had was a sore arm for a couple of days and occasional tiredness after an inoculation. In particular, I felt tired for a few days after getting my second Shingrix inoculation, but not after the first one. However, if you have a chronic illness or had side effects in the past, you should discuss any potential side effects with your doctor. Your personal physician knows your medical condition the best and can help you weigh the pros and cons of any recommended vaccinations.

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

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission to support this blog, at no extra cost to you.

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

Photo credit:  morguefile.com

No Magic Pill for Dementia or Alzheimers - But Lifestyle Changes Can Help

Despite all the advertisements you may have seen, as of 2020 there are NO magic pills which will prevent dementia or Alzheimer's Disease, including those over-the-counter medications which are advertised constantly and sound highly appealing.  This was the conclusion of researchers from the MIND program at the University of California - Irvine.  It was also the conclusion of a study completed by the AARP Global Council on Brain Health (GCBH).  While this may be disappointing news to the millions of people who live in fear of developing some form of dementia as they age, at least it may help them avoid wasting money on unnecessary memory or brain supplements.

In addition to the work done by the UCI - MIND researchers, an AARP report titled, "The Real Deal on Brain Health Supplements," claims that people spent over $3 billion on brain supplements in 2016, and it was a "massive waste of money."  The experts interviewed for the article, which included doctors, scientists, scholars and policy experts, determined that "scientific evidence does not support the use of any supplement to prevent, slow, reverse or stop cognitive decline or dementia or other related neurological diseases such as Alzheimer's."

To make matters worse, the researchers were actually concerned that some of the supplements might not be either safe or pure.  Some of them could even harm consumers.

Conclusion of Dr. Joshua Grill of UCI-MIND

Prescription Medications Do Not Help, Either

Dr. Joshua Grill of UCI MIND reported at a 2019 Senior Summit in Orange County, California that it has been over 15 years since any new prescription medications have been brought to the market to treat dementia or Alzheimer's Disease.  The overall conclusion by a variety of researchers is that there are no drugs which can either prevent or treat dementia in any significant way. At most, there may be a few medications which can slightly slow the progression in some people, but that is the best we currently have.

Good News: You are Not Helpless Against Dementia

Despite the grim news about medical interventions to prevent dementia, people are not completely helpless.  There ARE steps you can take to reduce your risk of developing dementia, but it is not as simple as taking a pill and assuming you can continue to live however you want.  True dementia prevention means taking an assertive approach to lifestyle changes.

Research from Dr. Joshua Grill of UCI-MIND

The Lifestyle Changes Which Reduce Dementia Risk

Eat a Healthy Diet - The best diet for brain health is actually called the MIND Diet and you can learn more about it in "The MIND Diet Plan and Cookbook." (Ad) This book will take you step-by-step through the best food choices to make if you want to protect your brain.  Even if you do not follow it 100% of the time, it will help you set up an eating plan which you can aspire to.

Get Daily Exercise - Your brain cannot function properly without a steady flow of oxygen and nutrients, and the best way to flood your brain with what it needs is to keep the blood flowing.  Get at least one 30 minute walk a day, and if you can take several walks, that is even better.  You may also want to take a balance or exercise class to strengthen your muscles.  This could prevent you from falling and hitting your head, which could cause brain trauma ... another cause of dementia. 

Exercise Your Brain - If you spend your days bored in front of the television, your brain will gradually lose its sharpness.  You need to give it regular workouts including reading books, learning new skills, playing games, and working puzzles. Some people continue to work late in life, which can be very mentally stimulating. Others have found it is never too late to go back to school and get that degree they always wanted.  The more education you have, the lower your risk of dementia. Work your brain in a wide variety of ways for the best results. 

Socialize with Other People - Socializing helps you in a number of ways, whether you do it in person, over the phone, or virtually, using a website like Zoom.  It relaxes you and helps stimulate your brain when you engage in a conversation.  When you socialize, you may learn something new or be inspired to take up an interesting hobby. In addition, there is no way to predict what another person will say.  After they speak, you need to think about it and respond almost instantly.  This is a great brain exercise, and the more time you spend conversing, the more you will give your brain a real workout. There is no telling where an interesting conversation may lead you, and the benefit to your brain is a bonus!

Find healthy ways to deal with stress - Take up activities such as yoga or meditation.  If you are religious, spend some time each day in prayer. These activities will help you relax and make your life easier. It will also help lower your blood pressure, which is important for good brain health.  In addition, it may improve the quality of your sleep, which is also necessary to brain health.

Give up your vices - It may be difficult to stop smoking, moderate your alcohol consumption, and stop indulging in rich, fattening foods, but if it means you might keep your cognitive abilities for years longer, it will be worth it.

Obey Your Doctor and Dentist's Orders - Whether your dentist tells you to get your teeth cleaned more often, or your doctor prescribes cholesterol lowering drugs, your efforts to maintain your overall physical health will also help protect your brain.  Many people do not realize that their oral health also affects their heart health and their Alzheimer's risk.  See your doctor and dentist regularly and follow their instructions!

Stay Up-to-date on Alzheimer's Research - New research is constantly being done on how we can lower our dementia and Alzheimer's risk.  Read as much of this research as possible. A good place to start is the book "The End of Alzheimer's: The First Program to Prevent and Reverse Cognitive Decline."  This book has some great tips for keeping your brain functioning at its maximum capacity for as long as possible. It was a New York Time's best seller and I highly recommend it for anyone over the age of 50.  (Ad)

In summary, there are no magic pills or shortcuts which will protect your brain from most forms of dementia, including Alzheimer's Disease.  However, you may be able to postpone or prevent it if you live a lifestyle which is protective.  While there are no guarantees, it is worth a try, isn't it?

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission at no extra cost to you.

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

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

Photo credits:  morguefile.com and UCI MIND

Beware Coronoavirus Scams - Fraud is Increasing!

Due to the Covid-19 coronavirus pandemic, which has caused businesses to close and stock prices to fall, millions of people are in a tough financial situation.  Nearly 40 million people are unemployed and many of them have had difficulty claiming their benefits.  Some people are becoming desperate and, as a result, more and more of them are falling for ruthless scams, often costing them what little money they have left. While it is easy to become a victim to scammers, it is more important than ever that we all continue to be vigilant and on the lookout for any suspicious requests for money.

Examples of Covid-19 Scams

While all the "old" scams continue to operate, criminals are now exploiting people in new ways.  Here are some examples:

Phony Social Security fees:  In March, 2020, people began getting letters which appeared to be from the Social Security Administration.  These letters told the recipients that they had to call a special phone number to protect their benefits from being suspended.  When they called, the people were then given instructions to pay a fee by using a gift card or an instant wire transfer.  NO government agency would ever ask you to pay a fee in order to get your benefits.  Nor would they ask you to make a payment to them by using gift cards or instant wire transfers.

Illegal Fees and Taxes on Prize Money:  Another scam is the enthusiastic promise from a caller that you have won a cash prize from some contest!  According to the caller, the only thing you need to do is pay a fee or pre-pay the taxes, before you get the prize.  Don't do it!  If you actually win a sweepstakes prize, it is illegal for them to ask you to pay a fee before receiving your prize. If the prize is large enough, a legitimate company may send tax forms for you to complete, and they may withhold a portion of the prize money to cover the taxes.  However, they are NOT allowed to require you to prepay the taxes by sending them money before they pay you the prize.  That is a scam.  If you send them money in advance, it is highly likely you will not receive the prize!

Fake ads for non-existent products:  Many people have seen ads or received promotional emails that advertise products which are currently hard to find, including facemasks, disposable gloves, disinfectant wipes, and hand sanitizer.  People have placed orders for these items and given the advertiser their credit card information, only to never receive the ordered product.  Place your orders with legitimate companies, only.  Check out companies online or with the Better Business Bureau, especially if you have never heard of them before, or if you are unsure if they are legitimate.  In addition, even if you are purchasing from a reputable company, make sure you are not overpaying for the items.  Some sellers are asking buyers to pay as much as ten times more than what the items sold for before the the pandemic.

Phony emails:  If you receive an unexpected email from a friend, relative or co-worker asking you to send money or gift cards to them or anyone else, do not do it unless you contact that person separately and confirm the request.  Many people and companies are discovering that their email accounts have been cloned or compromised, and scammers are using a fake account to request money and gift cards from your contacts.  This scam even happened to the minister of our church, who had to send out a disclaimer to the members of our church to let everyone know he is not asking anyone to send him money or gift cards!

Useless Covid-19 tests, cures, and "vaccines":  In a number of locations, crooks have set up phony Covid-19 testing sites where people have been charged as much as $240 for fake tests.  Other scammers have offered cures or vaccines which are ineffective, unproven, or dangerous.  Check with your healthcare provider before being tested for Covid-19, or before you try any cure or vaccine.  Currently, there are no approved cures or vaccines available to the public, except those being tried on hospitalized patients, or as part of a medical trial.

 The best way to protect yourself from the virus is to avoid contact with people who do not live in your home.  When you are around other people, wear a mask in public and expect others to do the same. Limit the amount of time you spend in businesses and other indoor locations where the virus could be lingering in the air.  The key is to keep your potential "viral load" as small as possible.

Remember the General Rules to Protect Yourself from Scams

Criminals are constantly coming up with new ways to get your money and/or your credit card information.  Before you become a victim, remember some basic rules.

No government agency will ever randomly call you and ask for gift cards or credit card information to pay a bill or fee.  The federal government and most state and local agencies will always contact people first by U.S. mail.  They will rarely contact you in any other way, unless you first call them and ask for a callback.

If a stranger calls and asks for money, hang up.  If they represent a charity which interests you, ask them to mail you information, so you can read it at your leisure.  Then, before making a donation to a new charity, check them out through the Better Business Bureau or Charity Navigator.  If you decide to support them, go to their website directly to make the donation.  Do not give out your credit card information over the phone.  Do not purchase gift cards and read the numbers on the back of the cards to anyone over the phone.  Do not make instant wire transfers to strangers.  Take your time and check things out.

Do not fall for fake news stories about "amazing cures" and treatments for Covid-19 or any other serious illness.  Check with your personal physician before trying something you have seen advertised online.  Even some televangelists have gotten in trouble for promoting products which were either useless or dangerous.  Do not give anyone your hard-earned money for something which will not help you, and might even harm you.

With so many people struggling financially at the moment, many of them are desperate to believe anything they read online or are told over the phone.  Stay vigilant and skeptical.  Take your time before making any financial decisions.  Be very, very reluctant to give out credit card information or let go of your money.  You earned it.  Make sure you keep it.  The longer this disease has us in its grips, the more we will all need to be cautious with our money.

If your retirement planning needs to be updated because of changes to your financial situation as a result of Covid-19 or unemployment, you may want to get the handy workbook, "Retirement by Design."   It will help you get back on track. (Ad) 

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

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission to support this blog, at no extra cost to you.

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

Photo credit: Pixabay via Google

Granny Flats vs Nursing Homes - Could Seniors Be Safer Near Their Families?

During the past few decades, it has become commonplace for the elderly with serious chronic diseases to move into assisted living communities, nursing homes, memory care facilities, and other types of group housing where they can be cared for when they are no longer able to care for themselves. While these places perform an invaluable service for the most elderly and frail members of our population, it is possible that at least some of these seniors would be safer and more comfortable in a "granny flat" located on the property of their adult children or other relatives.

Different Types of "Granny Flats"

These housing units may be referred to as Accessory Dwelling Units, granny flats, or mother-in-law suites, and they can be created in a variety of ways.  Some of the most popular designs are:

Detached cottages in a family member's backyard
Detached Granny Pod cottages with advanced medical equipment
Attached additions to an existing home, with a private entrance and kitchen
Interior apartments created in an unused basement or attic space
Above garage additions which serve as a separate apartment
Garage conversions in which either an attached or detached garage has been converted into an apartment.

When my own parents could no longer live independently in their Florida retirement community, because of my mother's dementia and my father's difficulty caring for her, they moved to Missouri into an apartment over my sister's four-car garage.  Their apartment had a bedroom, sitting room, small office, a large walk-in closet, spacious bathroom and even a small private deck with stairs leading down to the backyard.  Their apartment did not have a private kitchen, although they had a mini-fridge and microwave.  They generally ate their meals with my sister's family, and my sister had a stair lift (Ad) installed to make it easier for them to get downstairs to the main part of the house.  They were much happier with this arrangement than they would have been if they had moved to assisted living, and they really enjoyed the time with my sister and her family.

New Zoning Laws are Making Granny Flats More Common

At one time, these accessory dwelling units were banned in many locations across America because of fears they would become rental properties and increase neighborhood density.  However, in the past few years, some states like California, New Hampshire, Vermont, Oregon and Washington have changed their zoning laws in order to allow them again, with some restrictions on size, placement, and whether or not they can be rented out.  This loosening of zoning laws has resulted in a resurgence in granny flats and has allowed more than one family to live on a single-family lot.   Between January 2017 and June 2019, the City of Los Angeles alone issued building permits for almost 12,000 accessory dwelling units.

How Can You Set Up an Accessory Dwelling Unit on Your Property?

One option is to order a pre-fab home kit (Ad) and have a builder help you put it together and connect the utilities. Check your local county and city regulators to find out what permits and fees are required in order to add a granny flat to your home.  There may also be restrictions regarding short-term rentals using services like Airbnb.

Another option is to contact a company like MEDCottage (one example is pictured above) and lease a structure that is designed specifically to meet your family member's medical needs.  They will set up a cottage on your property temporarily, and you pay them a monthly rental fee.  The company will remove it when your family member no longer needs it.  The company describes their units in this way:  "The MEDCottage is a mobile, modular medical dwelling designed to be temporarily placed on a caregiver's property for rehabilitation and extended care. Simply stated, it's a state-of-the-art hospital room with remote monitoring available so caregivers and family members have peace of mind knowing they are providing the best possible care."  In 2020, a basic MEDCottage can be leased for as little as $750 a month, which is a fraction of the cost of a room in a skilled nursing home.

Another possibility is to hire your own contractor to convert an unused portion of your current home so it is livable, has grab bars in the bathroom, and whatever other equipment your family member might need in order to be comfortable.

Reasons to Consider Adding a Granny Flat to Your Home

What are some of the reasons people are interested in adding an apartment or cottage to their property?  In an AARP study published in the May 2020 edition of the AARP Bulletin, they found that people wanted to build additions for these reasons:

Provide a home for a loved one in need of care
Provide housing for relatives or friends
Have a space for guests
Increase the value of their home
Help them feel safer with someone living nearby
Create a place for a caregiver to stay
Provide extra retirement income from renting to a tenant

One reason which was not on their list, but has more recently become a consideration, is the number of people who have died of the Covid-19 coronavirus in nursing homes and other group retirement homes in the spring of 2020.  Many families, when they realized how many elderly people were dying in group housing, removed their elderly relatives from these facilities.  Being able to provide a place for their loved one, and/or a caregiver, and make it possible for them to live in their own home or apartment, seemed like a safer option than letting them remain in group housing.

What If Your Elderly Relative Needs Medical Supervision?

One reason many seniors are in an assisted living facility is because they need close medical supervision and monitoring. You may not feel you are able to provide them with the same level of care in your own home. What alternatives do you have if you want them living near you, but you are concerned about making sure they are safe and getting the care they need?  You have several options:

As mentioned above, you might start with a granny pod or MEDCottage which you can arrange to have set up quickly on your own property.  While some of these specialty cottages may look like a typical guest house, these buildings come equipped with extra safety features including hand railings, defibrillators, first aid supplies, lighted floorboards and wheelchair ramps.  The flooring may also be extra soft to reduce injuries if they fall.  When additional equipment is added to accommodate their specific needs, such as a medical call button system (Ad) so they can let someone in the main house know when they need assistance, your loved one can feel very secure in their cottage. The MEDCottages can be leased inexpensively, and a granny pod can often be purchased or built for about the same amount as two to four years of living expenses in assisted living.

If your accessory building is in your backyard, you may want to make sure the yard is securely fenced, with a lockable gate, so you do not have to worry that your loved one could become confused and wander away.  You may also want to have them wear a medical alert call bracelet or button, so they can quickly contact you if they fall, get confused or have a panic attack.  

An in-home caregiver can also make it easier for you to keep your loved one at home, rather than in an assisted living facility.  You can hire someone for as few as four hours a day or for whatever length of time they are needed.  They can help dress your elderly relative, assist them with personal hygiene, make sure they are eating properly, supervise their medications, and keep them from wandering away or getting lonely ... and they can do it all from the safety of your own property.  Even with a pandemic going on, caregivers are being trained to be extra conscientious about hygiene and the use of personal protective equipment, in order to protect your loved one.

Do not forget to take advantage of local resources which may be included in their Medicare coverage or offered at low cost in your community.  For example, they may be eligible to have a physical or occupational therapist come and work with them once or twice a week.  Medicare may also provide a special medical bed, wheelchair, walkers or other special equipment at little or no cost to you, depending on their needs.

Your community may also offer adult day care services at a low cost, so your loved one can get out of the house and be kept active a couple of days a week.  If they are physically and mentally able, they may want to participate in activities at the local senior center, such as taking classes, joining an exercise group, and playing bridge or bingo there.  Some of the centers also offer low-cost lunches, where they can chat with other senior citizens.  Of course, these types of activities will only be available after the stay-at-home orders have been lifted in your community and the senior centers have reopened. 

With a little planning and the right equipment, it is possible for many families to move their elderly relatives out of a nursing home and into their own home.  Although this may not be possible for some families when their loved one has serious medical problems or advanced Alzheimer's Disease, it is an option many other families will want to consider.

If either you or a caregiver are taking care of an ill family member who may have a contagious disease, owning a separate cottage or apartment may make it easier to quarantine them.  

You may find it helpful to read this book (Ad):  "Pandemic Flu Home Care: A Detailed Guide for Caring for the Ill at Home."

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

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission at no extra cost to you.

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

Photo credit: Pixabay and MEDCottage