Senior Life 07-17-19 by Anton Community Newspapers

SENIOR LIFE AN ANTON MEDIA GROUP SPECIAL

JULY 17 - 23, 2019

Planning for retirement Getting active

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JULY 17 - 23, 2019 • SENIOR LIFE

Turning 65 and ready for Medicare, or eligible for Medicare and Medicaid?

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Hours are 7 days a week from 8:00 am to 8:00 pm. Note: From April 1 to September 30, we may use alternate technologies on Weekends and Federal holidays. AgeWell New York, LLC is a HMO plan with a Medicare and Medicaid contract. Enrollment in AgeWell New York, LLC depends on contract renewal. ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call 1-866-586-8044 (TTY: 1-800-662-1220). ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-866-586-8044 (TTY: 1-800-662-1220). 注意：如果您使用繁體中文您可以免費獲得語言援助服務。請致電 1-866-586-8044 (TTY: 1-800-662-1220)) Assistance services for other languages are also available free of charge at the number above. AgeWell New York complies with applicable Federal civil rights laws and does not discriminate on the basis of races, color, national origin, age, disability, or sex. AgeWell New York cumple con las leyes federales de derechos civiles aplicables y no discrimina por motivos de raza, color, nacionalidad, edad, discapacidad o sexo. AgeWell New York 遵守適用的聯邦民權法律規定，不因種族、膚色、民族血統、年齡、殘障或性別而歧視任何人。H4922_YesMM4002_M Accpeted 02162019 205683 B

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SENIOR LIFE • JULY 17 - 23, 2019

How To Plan For A Long, Fruitful Retirement BY ROCCO A. CARRIERO

it all in one place. Retirees usually spend most of their savings in the first aving spent decades saving for few years after leaving a job because retirement, it can feel like a ma- of the excitement around all that newjor shift for retirees to transition found leisure time. Make sure to pace to spending down their hard-earned yourself—and your spending—so that assets. Retirees can be reluctant to dip it lasts as long as you do. into their principal for fear of running Second, it is important to take the out of money, the anticipation of long view on health care, which will be increased healthcare expenses and your largest expense, so it is crucial to other factors. have a strategy to cover those needs. However, there are a few key tips to Options will include a combination help get you started. First, don’t spend of Medicare, Medigap supplemental insurance, health savings accounts (HSAs), long-term care policies, continuing health insurance through your current or former employer and other dedicated health care savings. Another tip is to minimize your risk. As you turn your investments into income, it’s important to assess your level of risk to avoid disruptions in your income. Ensure you have a diversified portfolio that suits your anticipated spending and balances your needs for liquidity and growth. For example, consider having a year to several years of easily accessible investments to provide income in case of a market downturn or an unexpected financial event in your life. At the same time, it’s important to also have investments that are positioned for growth. When the time comes, withdraw specialsections@antonmediagroup.com

Rocco A. Carriero wisely, as a well-crafted retirement income plan can help you avoid running out of money and feel more confident about what could be decades spent in retirement. If your assets include a mix of Social Security, annuities, retirement assets and other investment earnings, decide which you will tap into first. Remember that at 70 and a half years of age, you are mandated to take required minimum distributions from your traditional IRA and employer-sponsored retirement plans, so work this income into your plan. It also doesn’t hurt to work with

someone who knows what they are doing, like a tax advisor. Reducing the tax bill on retirement income must be a priority for retirees. Yet research shows 53 percent of retirees feel it is too complex. Starting the planning process early and seeking guidance from a tax and financial advisor can help. Rocco A. Carriero is a private wealth advisor and the author of Three Cords Approach to Life and Wealth Management for Business Owners, published with ForbesBooks, a book publishing imprint of Forbes Media.

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JULY 17 - 23, 2019 • SENIOR LIFE

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Five Activities To Make Seniors Feel Young Again BY ALEC RICH

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illed with residents from all walks of life, Long Island is a place where those of any age can find activities that satisfy their needs. Whether you’re looking for a quiet stroll on a nature trail or an art class to display your creativity, Long Island’s perfect location has you covered all year round.

1. Spend a day at the beach

If you’re looking for a relaxing day in the sun, look no further than Nassau County’s many beautiful beaches. Whether it’s Morgan Memorial Park Beach in Glen Cove, Ransom Beach in Bayville, Nickerson Beach in Lido Beach or the famous Jones Beach in Wantagh, Nassau County has dozens of great beach locations to choose from. Pull up a lounge chair for a day of reading or bring a picnic lunch to enjoy by the water’s edge. The options are endless when it comes to the beach, just be sure to bring some sunscreen and a pair of sunglasses along with you.

2. Paint a masterpiece

Art classes throughout Long Island offer the perfect spot to relax and exercise your creative muscles as you

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SENIOR LIFE • JULY 17 - 23, 2019

paint brilliant pieces that you can use to decorate your home or give as a gift. The Nassau County Museum of Art, located in Roslyn, offers adult art classes ranging from beginner drawing to landscape and pastel painting throughout the week, along with discounted private museum tours for seniors. Other venues like Muse Paintbar in Great Neck and Garden City offer painting classes paired with food and drinks in a laid back, fun setting.

3. Take a hike

Enjoy the great outdoors by strolling through some of Long Island’s family-friendly hiking trails. Make sure to pack water and snacks, then head out to explore trails like those at Sagamore Hill in Oyster Bay, Sands Point Preserve in Sands Point, the Massapequa Preserve in North Massapequa or the Planting Fields Arboretum State Historic Park in Oyster Bay. For those interested in frequent hiking trips, the Nassau Hiking and Outdoor Club offers hikes to dozens of locations around Long Island, along with bicycling, picnicking and conservation activities for both individuals or families.

4. Create your own book club

If you love reading and have always wanted to discuss your favorite books with others, look no further than creating your very own book club with the help of your nearest library. Many

libraries around Long Island, including the Manhasset, Port Washington, Farmingdale, Massapequa, Syosset and East Meadow Public Libraries, offer a program called “Book Club in a Bag,” where the libraries give you 10 copies of a title, along with discussion questions and suggestions for running the club. If your local library has the program, you can scroll through the many titles

available for your “Book Club in a Bag” and soon you and your friends could be discussing your favorite novel.

shopping centers like the Americana Manhasset, along with local town shops throughout Nassau County, can provide you with endless hours of shopping 5. Shop to your heart’s content opportunities. Go at your own pace and find the household necessities you With outlets big and small, Long Island boasts some of the best shopping need or the next great outfit to wear on a night out—not to mention the array of venues in the country. Roosevelt Field food choices you’ll find from fast food in Garden City stands as New York’s to fine dining experiences. largest shopping mall, but smaller

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JULY 17 - 23, 2019 • SENIOR LIFE

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Arthritis Prevention And Care Tips

wollen, stiff and painful joints are common symptoms of arthritis or joint disease. There are more than 100 types of arthritis and related conditions that can also affect connective tissues and organs, including the eyes, heart, lungs and skin. While thick, knobby fingers may reveal surface signs of arthritis, deeper down in the joints where bones connect, and even in soft tissue, is where arthritis can wield debilitating damage. The Centers for Disease Control and Prevention (CDC) reported that 54.4 million American adults, or about one in four, have arthritis, and that by 2040, an estimated 78 million U.S. adults age 18 and older will have arthritis—a leading cause of work disability in the country. Anyone of any age can get arthritis. The Arthritis Foundation says that about 300,000 babies and children have arthritis or a rheumatic condition—but the joint disease becomes more common with age. “While the causes of many types of arthritis are unknown, a number of risk factors increase the likelihood of getting arthritis,” said Gregg Balbera, president of Right at Home Nassau Suffolk. “Age is a factor because the older you get, the more wear and tear your joints endure.

We work with a number of older clients who injured themselves when they were younger and the accumulated stress on their joints has accelerated the occurrence of arthritis.” The increased risk for arthritis is also higher among individuals who have chronic health conditions such as obesity or diabetes. The Arthritis Foundation reports that 31 percent of adults who are obese have arthritis and 47 percent of diabetics are arthritic.

Family genetics also influences who develops certain types of arthritis such as rheumatoid arthritis. The CDC notes that inheriting specific genes, the HLA (human leukocyte antigen) class II genotypes, elevates the risk for arthritis and can intensify arthritic conditions. Common types of arthritis and risk factors Arthritis symptoms can come and go or be steadily persistent with

varying degrees of pain severity. Common types of arthritis include osteoarthritis, which is the most common type of arthritis that occurs when cartilage, the protective connective tissue on the ends of bones, thins and deteriorates, causing friction in joint movement. Rheumatoid arthritis, an autoimmune disorder, occurs when a person’s immune system attacks the body’s healthy tissues, eroding the lining of joints (synovium) and triggering painful inflammation. Psoriatic arthritis, a type of inflammatory arthritis, is typically associated with psoriasis, a skin disease that presents with a red, scaly rash. People with psoriatic arthritis often experience swelling in their hands, knees, ankles and feet, with fingers and toes sometimes swelling to a sausage shape. Other familiar forms of arthritis include ankylosing spondylitis, mainly affecting the spine; gout, caused by a buildup of uric acid crystals in a joint; and lupus, a systemic autoimmune disorder. How to prevent arthritis While some forms of arthritis cannot be prevented, many types can be minimized or slowed by making certain lifestyle changes. Some of

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the best ways to keep joints healthy and prevent degenerative arthritis include maintaining a healthy weight, which adds stress to weight-bearing joints like the knees or hips and avoiding injuries to joints, ligaments and cartilage, especially if you are an athlete in high-impact sports. It is also a good idea to ease up on repetitive movements as certain activities and occupations with repetitive motions such as running, jumping, lifting, bending and kneeling can wear down cartilage that cushions joints in the body. Be smart and protect your immune system as a strong, healthy immune system can help counter inflammatory arthritis and can also lessen symptoms of infectious arthritis caused by a virus, bacterium or fungus. Last but not least, avoid smoking. Research has found that smoking elevates a person’s risk for developing rheumatoid arthritis and can heighten the disease symptoms. Smoking also lowers the body’s immunity levels and hinders a person from staying physically active. Care tips for arthritis A thorough evaluation, early diagnosis and on-target treatment from a rheumatologist will help lessen joint changes and chronic pain. In treating and managing arthritis, a central goal is to reduce symptoms and improve a person’s mobility and function. For

mild to moderate arthritis symptoms, the doctor may advise a combination of the following at-home care tips: taking over-the-counter pain relievers or anti-inflammatory medicines; taking prescription corticosteroids or anti-rheumatic drugs; applying heat and cold therapies to soothe pain; staying active, yet getting sufficient rest; strengthening the muscles around the affected joint; allowing the joint to rest and protecting it from overuse or strain and eating a

nutritious diet to maintain a healthy weight; and boosting the body with anti-inflammatory foods such as green, leafy vegetables and fatty fish. “An arthritis diagnosis can be a lot to handle, especially for older adults and adults with disabilities,” said Balbera. “This is where a strong support system of family, friends and professional at-home caregivers proves invaluable. Together, we can help the loved one follow a treatment plan of medications,

exercise and balanced nutrition. And, Right at Home provides companionship and moral support to ease the emotional stress of managing the disease while aiming to live well today and in the future.” For additional information about arthritis and rheumatologists in your area, contact the Arthritis Foundation at www.arthritis.org or call 1-844-571-4357. —Submitted by Right At Home

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Snowbirds Beware: Watch Out For The Tax Man BY KAREN TENENBAUM

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t is great to be able to spend the winter months in a warm climate and then return to New York in the summer to be with your children and grandchildren. While dual homes offer many benefits, they can also cause significant tax problems if you don’t know the rules. If you have a primary residence outside of New York, but also own or use residential property in New York, you may be subject to a New York residency audit. This can result in a big tax bill because a New York resident must pay state income tax on all income, regardless of where it is earned. Nonresidents pay tax to New York State on only New York source income, such as wages or rental income earned in New York. There are two tests for residency and either one can make you a New York resident. The first is the location of your domicile. Your domicile is the one place you intend to have as your permanent home. Auditors will look at several factors to determine your domicile, such as: What is the use, maintenance, value and size of your New York home as compared to that of the non-New

Karen Tenenbaum York home? Where do you conduct your business activities? Where is your family residing? Where do you keep special items (photos, jewelry, pets, etc.)? How much time do you spend in New York as compared to your out-of-state residences? Other factors like where you have a driver’s license, register to vote and have bank accounts, won’t help you, but can be held against you. Remember, even if you do not spend significant time in the state, New York can still be considered

your domicile. If your domicile is not in New York, do you maintain a permanent place of abode and spend more than 183 days of the year in New York? Let’s say you moved to Florida, but you kept your New York house so you can freely visit. To determine if you are a New York resident for income tax purposes, auditors will check if you have a permanent place of abode in New York, defined as a residence (building or structure in which a person can live) that is maintained by the taxpayer and is suitable for yearround use. Even if others are using the place (relatives, renters, etc.), it could still be considered your abode under certain circumstances. Next, you must meet the day count requirement. Generally, the rule is that a partial day counts as a full day, with some limited travel and medical exceptions. So even going to dinner in New York counts as a full day. A residency audit is very document intensive and personally

invasive. Typically, you have the burden to prove that you were not in New York. Auditors can look at your appointment calendars, credit cards, passports, phone bills, cell phone site data, mobile apps that track and record your location and other documents to determine whether you have met either of the tests for New York residency. Unfortunately, if you’re not careful, you can lose out on some of the benefits of your second home. If you’ve received a New York residency questionnaire or are being audited, there are several options available for resolving your tax dispute. Contact a qualified attorney to assist you. Karen Tenenbaum, Esq., LL.M. (Tax), CPA is Founder and Managing Partner of Tenenbaum Law, P.C. (www. litaxattorney.com), a tax law firm in Melville, which focuses its practice on the resolution of IRS and New York State tax controversies. Karen can be reached at ktenenbaum@litaxattorney. com and at 631-465-5000.

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through increased consumption of locally grown fresh fruits and vegetables. It is also intended to expand sales at farmers’ markets and farm stands. Farmers’ markets are places where local farmers sell their produce directly to consumers, usually right off the trucks. The produce is seasonal, locally grown, fresh-picked and reasonably priced. For more information on eligibility and when, and where to obtain the coupons, call the Nassau County Office for the Aging at 516-227-8900.

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A Monument Is Like Love, It’s Eternal

Preventing Common Health Issues In Older Adults As people age, a number of health conditions can shift, causing mild irritation and consternation to a full outbreak of pain and disability. For some older adults, their eyesight dims or hearing fades. For others, arthritis sets in or their teeth start to break. Since American seniors on average are living another 19 years once they reach age 65, those two decades can prove challenging for keeping healthy. “Many changes in physical condition and ability gradually occur as a person ages, so what is considered a ‘minor health issue,’ a cut on the skin for example, can be a serious health risk to an elderly person,” said Gregg Balbera, president of Right at Home Nassau Suffolk. “So how can a senior ward off the common health issues of aging and remain healthy overall in later life? Are certain declines in health inevitable or actually preventable?” Balbera suggests prevention measures for age-related health changes in older adults.

Skin • Protect your skin from the damaging effects of sun exposure. Staying out of direct sun is one of the most effective and cheapest ways to maintain healthy, youthful-looking skin. The American Academy of Dermatology offers a number of valuable resources on sun safety, including how to select and apply sunscreen. • Get an annual full-body skin check from a professional dermatologist. The Cleveland Clinic estimates that 40 to 50 percent of people who live to at least age 65 will develop basal cell or squamous cell skin cancer at least once. Skin cancer in the United States is the most prevalent type of cancer. • Prevent skin dryness and itching by increasing humidity in the home and countering the drying effects of winter overheating and summer air

conditioning. • Go easy on using antiperspirants, soaps and perfumes, and taking hot baths or showers—all of these are drying on the skin. Applying a moisturizer within a few minutes after taking a bath or shower can help prevent skin dryness. • Keep adequately hydrated. • Ask your doctor about getting the shingles vaccine. Older adults are more susceptible to contracting this painful, blistery skin rash that lives in nerve cells after an earlier outbreak of the chickenpox virus.

Embrace every day because every day counts.

Dental • Brush your teeth at least twice daily with a fluoride toothpaste. Clean between teeth daily with dental floss or a special flossing product. • Clean dentures daily with specific cleaners designed for dentures. • Relieve dry mouth symptoms by drinking more water and using an over-the-counter spray or mouthwash moisturizer. If dry mouth is a problem, check with your physician about changing medications or dosages. • Visit your dentist at least once a year for teeth cleaning and a dental exam. • If daily oral care is challenging, talk with your dentist or dental hygienist about a different approach with keeping teeth and gums clean. • Quit smoking. Smoking leads to increased problems with tooth decay, gum disease and tooth loss.

Sensory • Get a yearly eye exam if you are age 50 and older or have known health risks. If you are diabetic, you will need regular eye exams and careful blood sugar monitoring. • Eat a nutritious diet that promotes healthy eyesight. Foods packed

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HEALTH ISSUES from page 9B

the bladder. Some people find that sodas, artificial sweeteners and citrus- and tomato-based foods make bladder problems worse. Constipation can also put extra pressure on the bladder and keep it from properly expanding. • Practice wise health habits overall. Since there is no sure-fire prevention for prostate cancer, medical professionals recommend reducing risk for the disease by maintaining a healthy weight, staying physically active and eating a diet high in certain vegetables. Several studies have shown that consuming cruciferous vegetables (broccoli, cabbage and cauliflower), tomatoes, soy, beans and other legumes have lowered the risk for prostate cancer.

with vitamins A, C and E and rich in omega fatty acids help protect the eyes from dryness and infection. • If you smoke, quit. Smoking significantly increases the risk for macular degeneration that causes blurring or vision loss in the eye’s center field of vision. • Wear durable eye protection for activities that could injure the eyes (e.g., certain contact sports, construction, metal working, handling firearms and working with chemicals).

Hearing • Avoid exposure to loud noises. Wear earplugs, ear muffs or custom ear gear when around activities or events with excess noise. • Turn down the volume on music, the television, etc. Use noise-canceling earphones or headphones. • Use a smartphone app that measures noise levels and be sure it is properly calibrated for an accurate reading. • Talk to your doctor about medications that can be harmful to hearing. • Know your family history and medical conditions that can cause hearing deficits. • Ask your doctor about a hearing screening as part of an annual physical. After age 50 or if you or others notice your hearing diminish, make

an appointment with an audiologist for a hearing health evaluation.

calcium-packed foods include dairy products, eggs, sardines, orange juice with added calcium, broccoli and kale. Osteoporosis Check with your doctor on the right calcium amount for your body. • Check with your physician about • Be sure to get enough vitamin D when to get a bone mass density scan. in your diet, which helps your body • Participate in weight-bearing exercises such as walking, weight lifting absorb calcium. Check with your doctor on the amount of vitamin D and other types of strength and resisyou need through sunshine, foods and tance training to strengthen bones. a possible supplement. Moderate to brisk exercise at least three times a week can help improve Urogenital bone mass and decrease fractures. • Be aware of factors that affect • Consume adequate amounts of bladder health. Some medications, calcium-rich foods daily or take calcaffeine and alcohol can bother cium supplements. Some of the best

The Nassau Suffolk office of Right at Home is a locally owned and operated franchise office of Right at Home, Inc., serving the communities of Centerport, Cold Spring Hills, Commack, Dix Hills, East Northport, East Setauket, Greenlawn, Halesite, Hauppauge, Huntington, Kings Park, Lake Grove, Lloyd Harbor, Melville, Nesconset, Old Bethpage, Plainview, St. James, Smithtown, Stony Brook, West Hills and Woodbury. For more information, visit www.rightathomeli.com, call 516-719-5999 or 631-352-0022 or email gregg@rightathomeli.com.

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BEFORE

AFTER

Get a Sneak Peek

SAVE 1000’s!

Woodbury’s First Assisted Living & Memory Care Community Schedule your tour today. Come see our beautiful

Don’t wait, tour today. By appointment only! Call 516.284.8405 900 Woodbury Road | Woodbury NY | OrchardEstateWoodbury.com Assisted Living Residence Licensure Pending

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LOCALLY FAMILY OWNED & OPERATED

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new community, meet the staff, and experience a maintenance-free lifestyle featuring all-day dining and a full calendar of programs. Ask about our Assisted Living and Mind & Memory approach.

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Coldwell Banker Residential Brokerage: Direct (516) 570-1537 • Cell (516) 816-7428 To find out the value of your property in today’s real estate market visit: © 2019 Coldwell Banker Residential Brokerage. All Rights Reserved. Coldwell Banker Residential Brokerage fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker, Coldwell Banker Logo, Coldwell Banker Previews International, the Coldwell Banker Previews International Logo and “Dedicated to Luxury Real Estate” are registered trademarks and unregistered service marks by Coldwell Banker Real Estate LLC.

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www.MyNassauPropertyValue.com

FREEDOM

to be a social butterfly

Imagine having the luxury lifestyle you deserve without the concerns of living alone or maintaining a home. At The Bristal, we are committed to helping seniors stay independent while knowing that expert care is there if needed – delivered by a team who treat you like family. Every day you’ll enjoy a vibrant community, countless social events with new friends, and the unmatched services and amenities you’ve come to expect from The Bristal.

SCHEDULE YOUR VISIT TODAY!

LAKE SUCCESS A Memory Care Only Community

516-218-6585

NORTH HILLS 516-219-8440

For a list of all locations in the tri-state area, visit: THEBRISTAL.COM Licensed by the State Department of Health. Eligible for Most Long Term Care Policies. Quality Communities by The Engel Burman Group. 205286 B