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55+ LIVING
FALL 2012
How to love
your retirement
Page 17
INSIDE:
Do’s and don’ts
for today’s
grandparents,
Page 10
Yes, boomers
can build muscle,
Page 13
2T
THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
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THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
3T
“Senior” means privilege!
At Manatee Healthcare System we encourage you to take good care of yourself
and maintain an active lifestyle, and we want to help. That’s what the Senior
Advantage Program of Manatee Healthcare System is all about. If you’re age
50 or older, Manatee Memorial Hospital and Lakewood Ranch Medical Center
offer services designed to enhance your health and well-being.
941.745.7548
The Senior Advantage Program of Manatee Healthcare System is happy
to announce a new partnership with the Senior Enrichment Center at
Renaissance on 9th, operated by Meals on Wheels PLUS of Manatee.
This new partnership will benefit both groups – offering more seminars
and events to enjoy during the year.
Great News! We have added a “What’s Happening” recorded announcement line
for Senior Advantage members. The line will keep you up to date on seminars,
screenings, social activities and events. Just call 941-745-7308!
What’s more … if you’re a patient at Manatee Memorial Hospital or
Lakewood Ranch Medical Center, your Senior Advantage benefits include the
possible waiver of the Part A Medicare deductible for members age 65 and older.
For more information, please call 941-745-7548.
Application
Please choose the membership for which you are applying:
One Year:
� Single: $15.00
� Couple $25.00
Lifetime:
� Single: $45.00
� Couple $70.00
Please make your check payable to
“Senior Advantage” and mail to:
Senior Advantage Office
206 2nd Street East, Bradenton, FL 34208
Name ____________________________________________________________________________
DOB _____________________________________________________________________________
Name (second applicant) ___________________________________________________________
DOB _____________________________________________________________________________
Address __________________________________________________________________________
206 Second Street East
Bradenton, FL 34208
941.746.5111
www.manateememorial.com
City/State/Zip _____________________________________________________________________
Telephone ________________________________________________________________________
E-mail ____________________________________________________________________________
How did you hear about us? ________________________________________________________
8330 Lakewood Ranch Blvd.
Bradenton, FL 34202
941.782.2100
www.lakewoodranchmedicalcenter.com
044447
Physicians are on the medical staff of Manatee Healthcare System, but, with limited exceptions, are independent practitioners who are not employees or agents of Manatee Healthcare System.
The hospitals shall not be liable for actions or treatments provided by physicians.
4T
THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
8 strategies for managing your parents’ finances
By CYNTHIA RAMNARACE
B
Care.com
y the time Mim King
started asking questions about her parents’ finances, they had already been bilked out of
over $100,000 over a 10-year
period by a trusted family
member.
“It took about two years
to sort it all out and stop the
bleeding,” says King, of Lexington, Ky. “We had to find
out what the damage was,
and we had to figure out a
solution.”
That solution included
King getting her parents,
in their 80s at the time, to
agree to give her power of
attorney over their finances.
She then closed the 35 credit card accounts she discovered had been opened in her
parents’ names. She shuttered
unnecessary bank accounts
too and now, using online access, she can regularly monitor her mother’s checking and
savings accounts (her father
has since passed away).
“That way I can watch to
make sure the gardener isn’t
telling her the bill should be
$300 when I know it should
only be $100”
King, one of five siblings,
was named power of attorney because it’s related to
what she does for a living —
she’s a daily money manager. She sees the irony in the
fact that it took her as long
as it did to realize what was
happening to her own parents. But at the same time
she’s not surprised, because
the money talk is among the
most difficult ones to have
with your parents. Often it’s
a privacy issue — their money is their business, and talking about it threatens your
parents’ sense of independence. But also, says Carmen Wong Ulrich, author
of “The Real Cost of Living,” they might have gotten
themselves into some credit
trouble that they’re ashamed
to talk about.
“Adult children are discovering debt that they didn’t
know their parents had,” says
Ulrich. This includes credit card debt, home equity
loans and reverse mortgages. If this is an issue, consider
consulting with a non-profit credit counselor who can
help negotiate your balances with the lender and come
up with a manageable payment plan. Ulrich recommends The National Foundation for Credit Counseling,
a nonprofit nationwide network of agencies that provide
credit management classes,
help you create a debt management plan and offer confidential budget, credit and
debt counseling.
Ideally, the money talk will
occur long before credit counseling is necessary. Here’s
advice on how to broach the
topic, what to ask about and
how to prepare for your parents’ future financial and legal needs.
1. Talk Early
The money talk is a tricky
one to have with your parents.
After all, “you don’t want to
cross the line and make your
parents feel like your child,”
says Ulrich. There is no exact age when you should have
this conversation, but the
earlier you start it the better, says Ulrich. Getting affairs in order can take just a
couple of hours with a small
estate or months if they have
multiple accounts, says Ulrich. The earlier you get a
handle on your parents’ finances, the better you can
protect them against financial fraud and other money-related missteps, as well
as ensure their future needs
and desires are met.
2. Call a Meeting
Bring parents and siblings
together to talk about where
the money is, where the will
is, what type of insurance
they have and how they’d
“Adult children are discovering debt that
they didn’t know their parents had.”
Wong Ulrich, author
McCLATCHY TRIBUNE ILLUSTRATION
pay for assisted living or
other long-term care were
they ever to need it. Bringing everyone to the table
ensures everyone gets the
same information. Start by
choosing someone to speak
with the senior one-on-one
if it’s a sensitive topic. Who
would be best to broach the
subject? Then have the bigger meeting when the senior
is on board.
“Even if your parents’ mental state is compromised, don’t
assume that they can’t have
input anymore,” says Stehle. “Even people with mod-
erate dementia can still express their wishes.”
3. Invite a Third party
A financial planner, elder
law attorney or geriatric care
manager can dispel some of
the tension around this topic. “It’s human nature to be
able to open up to a stranger,” says Susan Fleischer,
President of the National
Association of Professional Geriatric Care Managers. “And so parents think,
‘You’re my daughter. You’re
not the one that I’m going
to accept the recommendations from’.” An elder law attorney or financial planner
may have valuable recommendations.
4. Check in on Wills
and Trusts
Make sure that your parents not only have a will,
trust and living will, but
check that these have been
updated, you know where
they are and you have access to them. The will outlines who will administer
the estate and who will inherit certain assets. A trust
sets out how other funds,
such 401Ks and IRAs, will
be distributed. A living will
is a statement of your parents’ wishes for their health
care in case they are unable
to make decisions on their
own. It, along with a health
care proxy or medical power
of attorney, also names the
person (usually a spouse or
adult child) who will make
those decisions. An elder
lawyer can help with the
paperwork. (Search for an
Elder Law Attorney near
your family.)
5. Pick a Power of
Attorney
Power of attorney gives
you (or more than one person, if your parents wish)
power over your parent’s legal and financial matters. In
choosing who will assume
this role, select the person
who has the time to sort
through accounts, insur-
ance policies and balance
sheets as necessary. “Whoever is named power of attorney must be held to a higher standard because they
have to ensure that any action on the financial end is
in the person’s best interest,”
says Michael Amoruso, an
elder lawyer in Rye Brook,
N.Y., who also serves on the
board of directors of the National Academy of Elder Law
Attorneys.”They must be
very much involved in the
life of the elder.”
6. Stop the Hemorrhaging
Are your parents’ life insurance policies bigger than
what they need for the current stage of their lives?
Lower it. Search credit card
statements for recurring fees
— magazine subscriptions
or memberships — that are
unnecessary and automatically renew.
7. Analyze Investment
Accounts
If your parent is over age
70, only about 30 percent of
their portfolio should be in
stocks. The rest should be in
corporate and government
bonds, says Ulrich. “Having too much exposed to
the market is very dangerous when you’re in retirement,” she says. “You don’t
have enough of a timeframe
to make up the losses.”
8. Look for Warning
Signs
And if you see any signs
of dementia, “that’s a warning sign that you need to
step in,” Ulrich says. Often
with memory loss ailments,
financial missteps are the
first signs, says Mary Stehle,
LCSW, senior care advisor
for Care.com. “Are stacks of
bills piling up in the house?”
she asks. “Are they having
trouble counting change or
balancing their checkbooks?
Are they giving away a lot
of money? These could be
signs of dementia or of some
other illness.”
2009
55+ living
bradenton.com
2010
Friday, September 21, 2012
We’ve Done It Again! 4 YEARS IN A ROW!
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Rd. W.
Payant
Financial Plaza
Sun City Blvd.
• In the Payant
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• Big Yellow Building
• Between Chamber
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IV. St. Petersburg
4717 66th St. N., St. Petersburg, FL 33709
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THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
Professor studies nuances of
walking, balance for seniors
By DEAN KAHN
McClatchy Newspapers
A
s an athlete growing
up in Eugene, Ore., it
made sense for Brandi Row to earn her master’s
degree in exercise and movement science from the University of Oregon. Then, while
working on her doctorate at
Pennsylvania State University, she became interested in
how exercise can help older
people avoid falls and live on
their own longer.
“It’s a rewarding experience to make a difference,”
she says.
Today, Row is continuing
her research as an assistant
professor in the Kinesiology and Physical Education
Program at Western Washington University.
Physical fitness is important for senior citizens, as
it is for other people. But
when it comes to issues of
balance, the particulars are
more complex than many
people realize.
That’s why Row urges seniors with balance problems
to check with their healthcare provider. Falls can result
from a variety of causes, including poor vision, cardiovascular concerns and other health issues, as well as
poor physical fitness. And
because different types of
exercise benefit different
parts of the body, she says
older people should confer
with a physical therapist or
skilled trainer, or enroll in
an exercise class designed
to improve balance.
Researching,step by step
improve muscle power.
More advice from Brandi Row
n Ask “What’s up doc?”
If you have problems with
falls, talk to your doctor or
other health-care provider. Besides fitness issues,
falls can result from vision,
heart or inner-ear problems,
as well as disease. For example, people with diabetes can suffer a loss of sensation in their feet, making
balance difficult.
n Avoid bifocals during
walks. People who wear bifocals often tilt their head
forward so they can see the
ground more clearly through
the upper portion of their
lenses. That tilting can create balance problems, so it’s
better to wear non-reading
glasses while on walks.
n Match your exercise with
your need. Walking is good
for your heart and your morale, but it doesn’t strengthen
muscles and bones. For muscle
and bone health, do exercises in which you move heavy
loads. Lifting weights or doing “chair stands” (in which
your body is the weight you
lift) are good examples, if done
with proper guidance.
n Don’t be a wallflower. Seniors who isolate themselves
socially are more likely to
suffer falls, in part because
there’s no one to take them
to medical appointments, to
check on their well-being or
to reach that dish high up in
the cabinet, and in part because social connections generally have a positive impact
on your health.
n Be wary during the winter. People are more likely to
fall when it’s cold outside, even
if there’s no ice or snow on
the ground. It’s not clear why
that’s the case, but it’s one
more reason to be cautious
that time of year, particularly by remaining warm both
indoors and outdoors.
Everyone cares about
ALZHEIMER’S DISEASE.
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The seemingly simple acts
of walking and falling involve
“biomechanics” unfamiliar
to the general public. Row’s
research includes studying
those acts in depth, and developing convenient ways
for doctors, physical therapists and other clinicians to
measure how people move,
and improve.
For example, the subtle
side-to-side movement of
people’s bodies while they
walk is crucial to good balance. As you pick up one foot
to step forward, your body
shifts to place more weight
above your stationary leg,
providing a firmer foundation for balance. When people age, that weight-shifting
becomes less automatic, increasing the risk of a fall.
Row is researching “rapid
stepping” among older people. A rapid step is the quick
— or not so quick — placement of your foot during a
fall in the offing. If you can
step rapidly, you have a better
chance of regaining your balance and avoiding a fall.
Row is also studying the
link between balance and
muscle function. Researchers
look at two kinds of muscle
condition: muscle strength
and muscle power. They’re
not the same.
Muscle strength is how
much force a muscle can apply. Muscle power looks at
both muscle force and muscle speed.
Good muscle power reduces
the risk of falls, although the
precise connection between
the two is still being studied. Exercise that improves
muscle power includes elements of speed.
So, a senior doing “chair
stands” to improve muscle
power would stand up quickly (requiring both strength
and velocity), then sit down
slowly, rather than stand and
sit at the same slow pace.
Because introducing
speed into the incorrect
part of an exercise can
strain joints, Row advises
older people to work with
trainers or physical therapists, or take classes to
THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
7T
047613
8T
THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
Golden age in fashion: Rockin’ it at 60 and beyond
D
By WENDY DONAHUE
Chicago Tribune
ressing one’s age . . . if that age was
older than 60 once could be summed
up by the word “slacks” and all its
negative, outdated connotations.
“For women today in their 50s, 60s and
70s, it’s a whole different game. Our culture
is so focused on health and it has changed
the face of growing older.”
“You would look at some of my clients in
their 50s and you would think they’re 40, if
that,” said Jesse Garza, fashion expert, author and partner in the multi-city wardrobe
and styling service Visual Therapy (http://
www.visual-therapy.com/). “What’s great
about our older clients is they’re usually
empty-nesters, so now they can spend more
time traveling and having fun. There’s no
‘On Golden Pond’ happening. For us to line
up these wardrobes and push them out the
door is rewarding.”
Ari Seth Cohen started the blog
“Advanced Style” to show that with age
can come an even greater sense of fashion
freedom, whatever one’s means. “The
women I photograph fight invisibility
through self-expression and self-confidence.”
Cohen said.
Here, some tips:
Go bold with accessories. “I probably wear a lot more jewelry than I used to
wear. I accessorize a lot more _ scarves and
capes and such,” said Jan Melk, a globe-trotting, business-owning, daily-exercising client of Garza’s.
Show a little skin. “There are ways to
keep it sexy in a tasteful way,” Garza said.
Consider an open neckline with a great piece
of jewelry, or a tank with something sheer
on top of it. This summer, eyelet fabrics
have been popular. Other open-weave fabrics show a hint of skin but can keep women in their comfort zone. With dresses and
skirts, Garza says many of his clients who
do not like completely bare legs swear by
Donna Karan’s “The Nudes” pantyhose.
Perk up basics with a nod to trends.
Melk believes in high-quality core wardrobe
pieces: a dress, a suit, a blouse and skirt.
From there, she injects a trendy, inexpensive element such as a bright belt.
Be open to something new and dif-
ferent. When Melk shops, she walks past
the racks and goes to one of the sales associates at Saks Fifth Avenue or Neiman Marcus who have steered her in the right direction before. “They tell me what’s new, and I
find these gals helpful, and they’re not pushy
and they don’t get you into something you
have no business wearing,” she said. “I’m not
wearing skirts way above my knees. That’s
my daughter, that’s not me. But when someone encourages me to try things on that I
wouldn’t ordinarily try on, I do.”
Reference the masters. Some of Garza’s
older clients who love fashion, invest in figure-flattering luxury brands such as Akris
for suits, Gucci for separates and knits, and
Roland Mouret and Victoria Beckham for
dresses. For stylish shoes, there’s middle
ground between 5-inch Christian Louboutin platforms and Ferragamo flats. For a sophisticated heel, many of his clients have
become fans of the YSL Palais pump with
a platform.
Even if designer price tags are beyond
one’s budget, it can be illuminating and uplifting to try on high-quality pieces that are
cut expertly. Then a woman can try to ap-
A classic white shirt gets a jolt of chic style
with a ruffle and a bold pant. (BRIAN CASSELLA/
CHICAGO TRIBUNE/McCLATCHY TRIBUNE)
proximate the details that make a difference
to her at affordable price points, or have her
clothing altered to fit properly.
“Just because you’re of a certain age,”
Garza said, “doesn’t mean you have to throw
on a twin set and sit in a rocking chair.”
047621
THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
9T
Keeping track of the most vulnerable
By MELBA NEWSOME
Care.com
T
he frantic 911 call
came in to the Pinellas County (Fla.) Sheriff’s Department at 12:40 a.m.
Sandy Watkins had awakened
to find her husband Paul,
a 69-year-old Alzheimer’s
sufferer, missing from their
Palm Harbor, Fla., home.
Less than an hour later, sheriff’s lieutenant Kevin Bennett had located Watkins at
a bus stop a few miles away
in the town of Clearwater,
Fla.
Thanks to a wristband Watkins was wearing, a search
that could have ended in disaster or taken days and cost
tens of thousands of dollars
was resolved promptly and
with little manpower. Watkins
is registered with the Project Lifesaver program, and
wears a transmitter bracelet which emits a signal that
can be picked up by a locating device. It was the third
such rescue since the Pinellas County Sheriff’s department began using Project
Lifesaver in 2009. Nationwide, more than 2300 people have been located since
the service was implemented 12 years ago.
Caregivers and family members realize that wandering
off or getting lost is a problem for people with Alzheimer’s, autism, Down syndrome,
dementia and other related
cognitive conditions. According to the Alzheimer’s Association, more than 60 percent of those with dementia
will wander at some point.
This is the problem Project
Lifesaver founder and CEO
Gene Saunders set out to address when he helped establish the non-profit in Chesapeake, Va., in 1999.
“We wanted to identify Alzheimer’s and dementia patients who may wander off
and become lost,” Saunders
says. “After we got started,
we got calls from all around
the country wanting to start
the program. In 2001, I retired and took it on full-time.
The system is now in 1,175
agencies in 45 states, three
provinces in Canada, and
one government agency in
Australia.”
Project Lifesaver is set up
through law enforcement,
fire departments, search and
rescue agencies, VA hospitals and some private care
facilities, all of which are
trained to use the equipment.
Citizens enrolled in Project
Lifesaver wear a small personal transmitter around the
wrist or ankle that emits an
individualized tracking signal. If an enrolled client goes
missing, the caregiver notifies their local Project Lifesaver agency and a trained
emergency team responds
to the wanderer’s area. The
technology works via a radio
transmitter instead of GPS
which Saunders says is more
reliable because the signal
cannot be blocked.
“It cuts down on time, manpower and money,” Saunders
says. “A normal Alzheimer’s search has been set at
about nine hours at $1,500
per hour. Victims are usually missing less than 30
minutes with Project Lifesaver and the search uses 1
to 2 people instead of dozens. It also helps the agency build rapport with the
community.”
The cost is established by
each individual agency. However, it can be no more than
$25 per month and must be
made available to those who
cannot afford it. In Pinellas County, the initial cost
is $300, which includes 12
mandatory monthly battery
replacements. After the first
year, the annual maintenance
fee is $70.
There are other products on the market as well.
Two years ago, the Alzheimer’s Association introduced
Comfort Zone, a Web-based
tracking system that works
with various mobile devic-
es. The software uses GPS
and cellular technologies
with online mapping to track
Alzheimer’s sufferers who
stray outside a pre-set zone.
Caregivers can track their
whereabouts by accessing
information using the Internet or calling the monitoring center. Plans start at
$42.99 per month plus a $45
activation fee.
This technology can give
families an extra level of security and a little peace of
mind. The Pinellas County
Sherriff’s department spokesperson Cecilia Barreda says,
“For families who have relatives who tend to wander
from home, we want them
to know that Project Lifesaver is a good option. As
the name says, it really can
be a lifesaver.”
044451
10T
THE HERALD
bradenton.com
55+ living
Dos and don’ts for today’s grandparents
G
randparenting isn’t
as simple as showering your grandbabies with gifts. Psychiatrist
and senior editor at Grandparents.com (a McClatchyTribune contributor) Georgia Witkin explains the new
rules of grandparenting in
“The Modern Grandparent’s
Handbook” (NAL Trade,
$15). Here she offers a few
dos and don’ts:
n Don’t just supervise your
grandchildren, play with them:
You should be staying active
anyway, whether you’re walking, playing sports or dancing, so get out and join your
kids on the playground. Says
Witkin: “They will never forget the time you went down
the slide with them — and
neither will you!”
patient and who accepts what
they say without a lot of lectures and criticism. This is
the grandparent a child will
confide in.
n Don’t try to buy
love — but do give them
gifts: Did you know that
grandparents spent about
$52 billion on grandkids
last year? It’s fine to offer
gifts within reason, Witkin
says, but set limits.
Instead of shopping, read
to them, or teach them something special like dancing
or an old school song, or
even break out the guitar
“The Modern Grandparent’s
Handbook: The Ultimate
and compete in “Guitar
Guide to the New Rules of
Hero” with them. This type
Grandparenting” by Dr.
of interaction and conGeorgia Witkin (NAL Trade,
necting is a “gift” in itself
$15). McCLATCHY TRIBUNE
and will prove you are
n Don’t just give advice, valued — even when you
listen: Be the grandparent don’t come bearing a physwho understands, who is ical gift.
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THE HERALD
bradenton.com
Don’t you dare wash that
gray out of your hair
By MATT McNAB
McClatchy-Tribune
I
Friday, September 21, 2012
hair. The treatment uses lemon juice, linseed mucilage,
chamomile and olive oil to
enhance the hair’s natural
highlights, soothe dry scalp
and add moisture to keep hair
bouncy and shiny.
Using Lush’s Ultimate Shine
shampoo bar ($10.95, 1.9 ounces) does exactly what it advertises: It gives your hair a
desirable shine.
The bar contains ylang
ylang oil to make your hair
glisten and elemi oil to help
care for your scalp. The bar
can be stowed in a small
tin case ($3.95) and is small
enough to make for a perfect travel-size shampoo for
your carry-on.
You can order online or
find a store location at www.
lushusa.com.
Dr. Miller
11T
047328
f you watched the Academy Awards, you may
have noticed some stars
with gray in their hair —
and not all because of their
age. Prominent stars Meryl Streep and George Clooney as well as pre-show interviewee Kelly Osbourne
are just three of a handful
to embrace a new trend in
Hollywood: gray hair.
Along with those three,
stars like Ben Affleck, Brad
Pitt, Kate Moss and Lady
Gaga have embraced their
gray locks. Gray hair is in, so
put those hair dyes away and
use products that accentuate
the gray in your hair. Lush
Cosmetics has several prod-
ucts they say are designed to
keep your gray hair’s luster
and shine perfect.
Lush’s Daddy-O shampoo ($9.95, 3.3 ounces) deep
cleanses and conditions hair,
giving it a desirable shine
and volume. The shampoo
is infused with natural ingredients like lemons, lime
juice, coconut oil and seaweed’s minerals, and has a
pleasant fragrance of violets
and other flowers.
The purple-colored shampoo is great for blonde or
gray hair, but also can be
used by brunettes to add
shine to their hair.
The Marilyn hair treatment
($21.95, 7.9 ounces) should be
used together with the Daddy-O shampoo to brighten the gray streaks in your
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12T
THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
Reasons your diet isn’t working
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The May issue of Prevention, offers reasons why your diet
isn’t working. McCLATCHY TRIBUNE
ries in check,” says Heidi
Skolnik, author of “Nutrient Timing for Peak Performance.”
You slurp diet drinks:
Research suggests that
diet drinks may backfire: The taste of something
sweet without the calories
can cause your body to hold
on to calories as fat. In a 2011
study, diet-soda drinkers
had a 178-percent greater
increase in waist circumference over 10 years, compared
with non-diet-soda drinkers. “Artificial sweeteners
can actually raise your insulin levels and lower your
blood sugar, which may stimulate hunger and move existing calories into storage in
your fat cells,” says Sharon
P. Fowler, MPH, one of the
study’s coauthors. Plus, fake
sweeteners may not quell a
craving like real sugar can,
because sugar triggers a longer dopamine release. So
3
even after downing two Diet
Cokes, you may still want the
candy bar.
Your friends are fat:
Your chances of being
overweight or obese increase half a percent with
every friend in your network who is obese, finds a
November 2010 study from
Harvard. That more than
adds up: Your chances of
obesity double for every
four obese friends you have,
say researchers. Even if that
friend lives thousands of
miles away, your chances
of gaining weight still go
up, according to a 2007 New
England Journal of Medicine
study. That may be because
your perception of being
overweight changes — living larger seems acceptable
since the heavy person is a
friend. (Interestingly, having an obese neighbor that
4
DIET TO 14T
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ou’ve spent the last
seven days putting
in your best effort
to lose a pound or two. But
your weekly check-in with
the scale reveals (again) that
you can’t get your weight
loss mojo in motion. The
good news is that the problem probably isn’t your willpower. You may be making
common mistakes that even
inveterate dieters fall prey to.
These are the surprising reasons your weight loss plan
isn’t working. Get the facts
and get back on track.
You aren’t eating enough:
You may need to bump up
your calories to stoke metabolism. When you dip below about 1,200 calories per
day, not only are you not eating enough to get all your nutrients, but your body slows
metabolism in order to hold
on to precious calories, says
Dr. Christine Gerbstadt, author of “The Doctor’s Detox Diet.” Also, if you skip
meals to lose weight, your
body could lose its ability
to feel full. Blame evolution,
which has designed our bodies to resist famine and not
the buffet table. For example, if you skip breakfast, the
body assumes food is scarce.
You need a morning meal to
let your body know it’s OK
to burn calories. “Within 1
hour of waking, you should
consume a 350- to 500-calorie breakfast, with 10 to 15
grams of protein and fiber
to stoke the metabolic fire,”
Dr. Gerbstadt says.
You reward yourself
with food after exercise: Burning 300 calories during a workout is
cause for celebration...but rewarding yourself with a highcalorie treat doesn’t add up
to weight loss. You’re likely
to overestimate how much
the workout burned off and
underestimate how much
you ate. “Even if you’re just
working out for well-being,
you still have to keep calo-
THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
Yes, boomers can build muscle
By WINA STURGEON
Adventure Sports Weekly
M
any signs of getting older are just
cosmetic. Skin gets
wrinkles all over the body.
Formerly firm flesh begins
to sag. Hair turns gray.
Some parts of aging are
more than cosmetic — but
the good part is, they’re reversible, and, unlike plastic
surgery, the reversal doesn’t
cost a thing. For example, once
you hit 40, your strength and
muscle mass begins to diminish. That loss speeds up with
every decade, so you’ll lose
muscle and strength faster at
50 and even faster at 60. But
you can still slow down the
aging clock by working to rebuild what you’ve lost.
It’s true that you may no
longer have the hormones to
build the bulging biceps and
thighs of youth. But you can
always build stronger and
firmer muscles, no matter
how old you are.
Once you’ve lived for half
a century, the muscle you
build is functional, rather
than cosmetic. Remember
that an important part of having good balance is strength.
But the more years you’ve
lived, the quicker strength
will fade away if not constantly exercised. That’s why
a week or so in bed with
the flu will leave a boomer
shaky. Strength and balance
in those over 50 can deteriorate that quickly.
To keep yourself strong
and vigorous for your entire life, begin a daily routine
of simple exercises you can
do at home. Senior centers
usually offer scheduled exercise groups you can join;
or if you have the resourc-
“Home is Where the Heart is”
es, you can hire a personal trainer to evaluate your
strength needs and design
a program for you. However, don’t be afraid to join a
gym. You may be surprised
by the number of boomer
aged folks you see there;
gym memberships are growing in popularity.
Of course, you need a routine that will work EVERY
muscle so that your body
keeps its physical proportion. If, for example, you create super strong biceps without equivalent back muscles
to handle the force those biceps generate, you’ll eventually suffer an injury.
That’s why a mix of resistance and activity will provide the most efficient way
to slow down the clock. If
you lift weights one day, you
can walk for several miles
the following day, then rest
13T
on the third day. That system allows full recovery
time for the muscles. Restoring all the nutrients to
the muscle cells takes a lot
more time now than it did
20 years ago.
Start with light weights
that work the major muscle groups. Do squats while
holding a pair of dumbbells
on your shoulders; that will
work every part of the lower body. Biceps curls will
build the upper arms and the
shoulders. You may need to
purchase a machine or gym
membership for pulldowns,
but that exercise will strengthen your muscles.
Make your physical routine a basic habit, like brushing your teeth or taking a
shower. That way, no matter
how many candles on your
birthday cake, you’ll never
be too old to be strong.
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14T
THE HERALD
55+ living
bradenton.com
DIET FROM 12T
you don’t know does not
raise your risk.) Experts also
think that a person’s lifestyle
and behaviors can subconsciously rub off on those in
the individual’s inner circle.
But you don’t have to ditch
overweight friends to lose
weight. In fact, if you embark together on an exercise plan, you can increase
your fun and calorie burn:
Research from Oxford finds
that exercising with friends
as a team can actually make
the agony of exertion less
intense.
The same hormones that
are released during social
bonding, endorphins, also
help quell pain. And once a
friend starts to lose weight,
you have a greater chance
of losing as well (the mechanisms work both ways).
You’ve eliminated wine:
New research from
Brigham and Women’s
Hospital in Boston found
that women who drank one
to two glasses of wine daily
5
gained less weight over 13
years, compared with those
who did not drink alcohol —
8 pounds versus 5.5 pounds,
to be exact.
Your diet isn’t digitally
enhanced: You may already know that writing down what you eat helps
you automatically reduce
your calorie intake, simply
by making you aware of each
bite. But did you know that
using a digitized program
or application with positive
feedback can help you lose
even more?
A new study from the
University of Pittsburgh
finds that people who monitored their diet and exercise with a digital device
that provided daily feedback
lost more weight and stuck
with their diet longer than
those who used paper and
pen. Not only that, but the
high-tech group increased
their fruit and veggie intake
more than paper users. And
you don’t have to log in daily or even weekly to benefit:
One study found that diet-
6
ers who recorded meals online just once a month were
3 times more likely to keep
off pounds over 2 years,
compared with those who
did so less frequently.
You’ve gone no-carb or
fat-free: Cutting back
markedly on any one
food group — say, carbs or
fat — can leave you short on
the nutrients you need to stay
energized: One study found
that dieters low in calcium
and vitamin C had higher odds of putting on belly fat. The trick is a varied
diet that includes healthy
fats and good carbs such as
fruits. After all, the biggest
reason low-carb diets backfire is that, for the vast majority of people, they aren’t sustainable over the long haul.
It’s a rare soul who can pass
up birthday cake and pasta
dinners for a lifetime. And as
with all diets, once you quit,
you regain the weight you
lost and (often) more. These
fluctuations can make it an
even bigger challenge to lose
weight next time.
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THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
15T
Alterations can be made to home to accommodate aging in place
I
By ANGIE HICKS
www.angieslist.com
t was a personal experience that led Israel Gamburd to start his Los Angeles-based company, Gamburd
Independent Living Solutions, 12 years ago. His father inspired him to help
homeowners with disabilities, or who are aging in
place, to overcome accessibility challenges.
“My dad became disabled
in the latter part of his life
and we couldn’t find anybody to do a home (modification),” said Gamburd, who
is a Certified Aging-in-Place
Specialist (CAPS) by the National Association of Home
Builders.
With the first generation of
the 75 million baby boomers
in the United States reaching retirement age this year,
Gamburd is one of a grow-
ing trend of CAPS remodelers who, according to the
NAHB, are trained in the
technical and service skills
“in the fastest growing segment of the residential remodeling industry: home
modifications for the agingin-place.”
CAPS professionals evaluate a person’s condition, potential fall hazards or obstructions in the home, and
recommend solutions to transform it into a safe environment. Falling is the leading
cause of death from injury
in adults over the age of 65,
according to the National
Centers for Disease Control
(CDC), with three of every five
falls occurring in the home.
One-third of those accidents
could be prevented by making the home safer.
“Most people, if you ask
them, want to remain in their
own home,” Gamburd said.
“My dad became disabled in the
latter part of his life and we couldn’t find
anybody to do a home (modification).”
Israel Gamburd, Independent Living Solutions
“It might be a house someone bought when they were
in their 30s or 40s and now
they want to stay in it until
their 80s or 90s.”
CAPS professionals typically do everything from widening doorways for walkers
and wheelchairs; removing
bathtubs in favor of walkin showers; making countertops and cabinets easier
to access; to installing grab
bars, vertical lifts, ramps
and even elevators. Agingin-place project costs can
range from a few hundred
dollars to tens of thousands,
depending on the scope of
the project and quality of
products used.
Oftentimes, a CAPS professional can make suggestions for accessibility modifications that a traditionally
trained remodeler can’t. The
slope of a wheelchair ramp,
for example, should not be
steeper than a 1:12 ratio
“If they’re making it 1:10
or 1:8, they’re actually increasing the risk of injury to
someone using that ramp,”
said Rick Castino, a CAPS
professional with 16 years
experience and president
of Operation Independence,
LLC, in Boston. “Someone
who’s CAPS certified will
know that through training and experience.”
Castino said he works
closely with caregivers, such
as physical and occupational
therapists, doctors and family members to fully understand a client’s needs. He recommends homeowners who
wish to age in place take a
more proactive approach to
home modification.
“Once you start to see your
body and mind change a little
bit, that’s the time to do it,”
Castino said. “Unfortunately, people wait too long. But
they can save a lot in terms
of time, not to mention the
injury and the expense, by
being proactive.”
Gamburd - who, when he
couldn’t find help for his father, used makeshift methods to transport him up and
down the stairs via a sheet
tied to the rails - now con-
sults with manufacturers
on product designs, which
have come a long way in
recent years in appearance
and functionality. They no
longer only have an “institutional” look of plain white
and stainless steel. Products
are designed to be more
aesthetically pleasing and
serve more than one person. Some grab bars are designed, for example, to function also as a towel bar, a soap
dish or even a toilet paper
dispenser.
“It doesn’t have to look like
a hospital room,” Gamburd
said. “More and more designers are looking at (products) saying, ‘Why can’t we
make it look better?’ There
are definitely better options
out there. I’m very passionate about what I do. For me, it
was a life story that brought
me to it.”
ALTERATIONS TO 16T
Live well. Love well. Tidewell.
“We’re always
there to
provide for
the needs of
our community.”
– Judy Kirkpatrick,
Tidewell Board of Trustees
To learn about Tidewell’s programs and services, call any time.
Toll free 1-855-Tidewell
(855-843-3935)
www.tidewell.org
047610
Serving Sarasota, Manatee,
Charlotte and DeSoto counties
16T
THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
ALTERATIONS FROM 15T
How to hire an expert
Tips to hiring a Certified Aging-in-Place remodeler:
— Verify the remodeler has the appropriate license(s) in your state.
— Look for professional designations such as a Certified Aging-in-Place Specialist (CAPS).
— Get at least three written estimates of the work to be done based on a set of plans
and specifications.
— Select a professional remodeler with plenty of experience with your type of project.
— Determine how much money you should budget for the project.
— Ask if the remodeling will benefit any other family members.
— Ask if the remodeling will increase the energy efficiency of your home.
— Communicate your ideas: Explain what updates/repairs you want done to your home.
Even rough ideas on paper are better than nothing at all.
— Don’t hire anyone who gives you a post office box with no street address, or uses
only an answering service as a point of contact.
— Never pay the entire cost of your project up front. Base payment on targeted completion
dates and make sure your contract contains a termination clause, should the contractor fail
to meet expectations.
The Lung Center is pleased to
announce the addition of
Michael W. Burke, M.D. to our practice.
Board Certiﬁed in Internal Medicine and
Pulmonary Disease.
Board Eligible in Critical
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Online
Here are some additional resources from Angie’s List and the National Association of Home
Builders.
— Residential remodeling: http://www.angieslist.com/remodeling/
— Bathtub removal: http://www.angieslist.com/kitchen-and-bath-remodeling/
— General consumer reviews: http://www.angieslist.com/
— NAHB: http://www.nahb.org
Looking for a Physician?
Check out our 2012 Physician’s
& Healthcare Directory
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THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
17T
How to Love Your Retirement: Living within your means
that you can take money out
of your IRA early to pay for
some of that stuff without
penalty. It saved me a lot of
hand-wringing trying to figure out where I was going to
get the money.
My wife ended up being hos—Dennis Russo;
pitalized for several months,
Woodworth, Ohio
and I didn’t know where I
was going to get the money
About six months before
to pay the bills. I found out I retired, I knew I was going
It was important to be financially independent when I
retired. I didn’t want to worry
about working. I didn’t want
to worry if my hobby made
an income. For instance, photography is something I’m
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18T
THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
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THE HERALD
bradenton.com
55+ living
It pays to compare
prescription drug prices
Friday, September 21, 2012
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with Maney that shopping
around is a good idea. Its
website, consumerreportshealth.org/bestbuydrugs,
suggests checking prices
with at least three pharmacies, including a large discount store. And ask your
doctor to prescribe generics, which usually cost less
than brand names.
Finding the best price is
important, but it’s not the
only consideration, said Jay
Campbell, executive director of the N.C. Board of Pharmacy. He advises choosing
a pharmacy and a pharmacist who will become familiar with your health history
and can help manage your
medicines.
Above all, he said, avoid
buying drugs from outside
the United States. “Number one, it’s not legal, and
number two, it’s not safe,”
he said.
Campbell said Food and
Drug Administration studies
show that drugs purported to
come from Canada “are often from a lot of places that
most members of the public
would find less savory than
Canada.”
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tis in his legs and back.
But he has plenty of time.
So he took his prescriptions to
other pharmacies and made
sure all the drugs he compared came from the same
manufacturer.
Here’s what he found:
Walmart, $34.22: $28.88
for clotrimazole, $5.34 for
cephalexin.
Sam’s Club, $31.67: $26.33
for clotrimazole, $5.34 for
cephalexin.
Food Lion, $21.80: $16.09
for clotrimazole, $5.71 for cephalexin.
Rite Aid, $17.98: $8.99
each.
Harris Teeter, $28.97 for
clotrimazole; antibiotics, such
as cephalexin, are free for
14 days.
Maney was surprised at
the differences in price. The
experience showed him how
important it is to shop around.
To share his findings with others, he contacted the newspaper and sent a detailed
packet of documentation,
with receipts, letters and a
spreadsheet.
“I’m a shopper,” he said. “I
know a good deal.”
Consumer Reports agrees
043835
an Maney just wanted to fill a couple of
prescriptions to treat
a foot infection.
But this routine errand
turned into an investigation.
Last July, Maney’s doctor
prescribed two medicines —
an antifungal called clotrimazole and an antibiotic called
cephalexin.
The doctor knows that
Maney, 76, an Army veteran, gets most of his prescriptions filled through the
Veterans Administration.
But he assured Maney that
these two were available in
generic form and would be
inexpensive.
So Maney took his prescriptions to a Walgreens
drugstore near his home.
He bought the two drugs —
clotrimazole for $34.99 and
cephalexin for $31.29 — for
a total of $66.28.
When he got home, he had
second thoughts.
He called Rite Aid, just
100 yards away from Walgreens, to ask for their price.
He learned Rite Aid would
charge $8.99 each, a total
of $17.98 — $48.30 less than
he’d just paid.
The news made Maney
feel sick to his stomach.
A retired accountant,Maney
lives alone and hasn’t worked
for 20 years because of disabilities. He lost an eye after
a botched cataract operation.
He uses a motorized scooter because of severe arthri-
19T
20T
THE HERALD
55+ living
bradenton.com
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THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
21T
Midlife career change: Four women who made a job switch during middle age
By EMMA JOHNSON
www.RetailMeNot.com
L
onger lives and stressed retirement
funds mean that people are working
well past traditional retirement age.
In fact, between 1993 and 2008, the number
of working women aged 65 to 69 increased
from 16.1 to 26.4 percent, according to the
Department of Labor. But many are also
switching careers later in life in search of
meaningful and sustainable work. Consider
that full-time college enrollment by older
women is up 31 percent in the past decade,
and the number of self-employed people
ages 55 to 64 grew 52 percent from 2000 to
2007, according to the Small Business Administration. Older women are not letting
age stand in their way of new careers.
Here are four women who successfully
reinvented themselves in middle age.
Jody Johnson
Hometown: Miami
Old job: Emergency room nurse
New job: Business consultant
Age when made the change: 49
Time in new career: 5 years
our
Y
r
fo
Ask
E
E
FR
es
Tim
!
ine
z
a
ag
M
y
ver
o
c
s
i
of D
I loved being a nurse, and I was successful at it. I’d been promoted to manage and was responsible for training. But
by the time I was 46, I had remarried and
didn’t want to work nights anymore, and
my son was grown. I was exploring what I
wanted to do next.
Over the years, I’d taken classes in communication and management, and stemming from some of those courses, I would
coach people because I enjoyed it. I helped
them with projects like getting married or
opening a community center. Then one of
those mentees referred me to the owner of
a painting business who wanted to hire me
to help him grow his business.
I wasn’t sure what that entailed, so I
Googled “business consultant” and then
did six months of due diligence before I enrolled in a certification program. It was really scary to launch a new business in middle
age. It is hard to get over the inertia of being
safe and warm and dry, doing what you’re
good at. This venture took my savings and
investments. Not to mention the naysayers
who told me I was out of my mind.
But the pros of starting over professionally in middle age were only possible be-
cause I had the confidence and self-knowledge that often only comes from success in
another career and life experience. When
you’re busy taking care of your kids, a home
and car, it is hard to figure out what your
call in life is. What I do now is so fulfilling; I can help so many more people than
I did in my former career.
Elizabeth Venturini
Hometown: Cathedral City, Calif.
Old job: Marketing and program
manager in the high-tech industry
New job: College admissions
counselor
Age when made the change: 53
Time in new career: 2 years
I never fit in during the 18 years I spent
working in the technology industry, even
though I was good at what I did. I pursued
it because it paid well. When I was laid off
in 2008, I spent months trying to find another job. I got very, very close to landing other positions but nothing clicked. I
started going through the exercise of finding what situations made me feel the most
comfortable, and I realized that the industry
was not for me. However, I thought about
the times when I interviewed at universities, and those experiences were a breeze.
There was a rapport with the other people,
and I never had one butterfly. But when I
interviewed at tech companies, it was very
stressful.
I realized that I’m never going to be an
engineer, and it is time to move on. But I
worried that I’d invested so much in my career I could never do anything else.
On the Internet I investigated careers that
had a strong growth potential and those that
required skills that matched my own. I also
went to numerous conferences and meetings of professional college counselors, getting advice on thriving in this business. This
led me to invest my savings in UCLA’s college counseling program. I went full time
and completed with a 4.0 GPA.
My business is really taking off now after two years. I love that I apply things I
learned when getting my MBA and during my business career to something I really want to do. I find that the parents of
the students I work with take me more seriously because I’m about their age, and I
CAREER CHANGE TO 23T
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22T
THE HERALD
CAREER CHANGE FROM 22T
understand the pressures they’re working
under in the corporate world. I’ve been
there. My age also helps in that I understand that building a career requires a lot of
networking, focus and clarity — all things
I talk to the students about.
Brenda Shapiro
55+ living
bradenton.com
Hometown: Miami
Old job: Stay-at-home mom, then director for the State of Florida American Jewish Committee
New job: Attorney
Age when made the change: 52
Time in new career: 22 years
I had always wanted to be a lawyer, but
I married an attorney, and he told me that
there was only room for one lawyer in the
family. After 22 years, I got divorced from
my first husband and thought that it was
time to do what I really wanted to do. One
day I saw a sign in front of a community
college that said the LSAT (law school entrance exam) was being given that day, and
I pulled in and took it on the spot. A couple
years later at age 49, I started law school
where I spent the last three years of my alimony before graduating in 1990.
Most of my fellow students were 23
years old, and a number of them had gone
to high school with my sons. On the first
day of class, several young men and women asked me if I was Danny’s, Jonathan’s
or Adam’s mother. Law school was an absolutely wonderful experience, and I made
friends of the faculty and students — many
of whom still refer clients to me.
After a couple of years of working for large
firms where I trained, I went off on my own
to be a family law practitioner. I realized I
would never make partner in a large firm
— they couldn’t pay me what my age dictated I was worth because I didn’t have a
book of business to justify that salary. But
doing my own thing was my goal.
Being older when I began my law career
had many advantages. For one, my children were adults, and I was a single woman (I remarried 15 years ago). That made a
huge difference. Young lawyers today have
a terrible time multitasking and setting priorities, and firms don’t help them in the
process. Another plus came with people’s
erroneous assumptions about me. I’ve had
white hair since I was 40, and when I was
starting out, the judges were very kind to
me. They assumed I was much more ex-
perienced than I really was, given my appearance.
On the negative side, some men coming
to me for divorce counsel are reluctant to
tell me all the facts. They feel like they’re
confessing to their grandma that they’re
screwing the neighbor.
I didn’t envision becoming as successful as I have. I’ve argued before the Supreme Court. I have no plans to retire
and honestly believe that your career has
no age limit.
Jerri Conrado
Hometown: Austin, Texas
Old job: Owned a boutique marketing agency
New job: Sales manager at an extended-stay hotel
Age when made the change: 50
Time in new career: 1 year
I had owned a successful business for 20
years. My clients ranged from Citigroup to
hair salons and everything in between. Then
my children became teenagers, and I went
through a divorce and saw changes in my
industry that suggested that there would
be less room for growth. And frankly, I was
burnt out and wanted a change.
I decided that a career in the hotel industry would play on my love of entertaining
and travel as well as my connections and
my sales success. But no one would even
talk to me since I didn’t have any experience. No one was open to coaching me despite my strong background in sales and
marketing. Finally, a friend’s recommendation landed me an entry-level sales position at an area hotel.
I swallowed my pride for the long-term
benefit. The salary didn’t even pay my
bills. Reporting to people who were younger than me but (only) had 20 years of experience was tough after being president
of my own company and consulting with
high-level executives for so many years.
Sometimes, I would tell my boss, “I could
do this better than you.” That was not always received well.
But in that position, I exceeded everyone’s
expectations — including my own — and
I quickly switched companies to be sales
director at Staybridge Suites, an extended-stay property. Being older in a new career has given me the confidence to go out
and get new business. I pulled on the network I’d built over the years and had a lot
of resources to count on that would have
not been possible 30 years ago.
Friday, September 21, 2012
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THE HERALD
bradenton.com
55+ living
Friday, September 21, 2012
23T
047611
24T
THE HERALD
55+ living
bradenton.com
Friday, September 21, 2012
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