Boomers & Beyond Fairfield December 2014 ebook by Belsito Communications Inc.

Boomers d n o y e &B Fairﬁeld County

December 2014

Masonicare at Ashlar Village

oﬀers continuing care retirement in a perfect setting! p7

Long Ridge of Stamford

oﬀers The Rehabilitation Program with outstanding outcomes! p11

B & M Capital

Advanced ﬁnancial advisory company for seniors p13

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December, 2014

Boomers & Beyond - Fairfield County

Come see what’s happening on Main Street.

The Village at Waveny provides a unique gathering place designed to stimulate and engage memory impaired seniors. The familiar, comforting environment of small town Main Street is a site for interaction among our Assisted Living residents, Adult Day Program participants, volunteers, staff, family and friends. The Village is located in New Canaan, Connecticut, where seniors from all areas are welcome. Find out more about everything we have to offer by calling Ginny Carroll at 203.594.5331 or visiting waveny.org.

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As your needs and preferences change, we’ve got the solution. At Waveny LifeCare Network, person-centered care is at the heart of our mission. Like a river, our programs, services and residential options flow together fluidly to benefit those we serve. We welcome older adults from all areas. To find out more or arrange for a tour of our award-winning New Canaan campus, call us at 203.594.5331 or visit us online at waveny.org.

Beating the winter blues

Boomers & Beyond - Fairfield County December, 2014

PAGE 3

THE GREENS AT GREENWICH

An AssisTed livinG CommuniTy, We oFFer A WIDE VARIETY OF ACTIVITIES FOR OUR RESIDENTS

Feeling the winter time blues? Well, you aren’t alone. Depression is common in the winter months for both seniors. A percentage of the population suffers from an affliction called “Seasonal Affective Disorder,” or SAD. In people with SAD, the lack of natural sunlight in the winter time upsets the sleep-wake cycle and other circadian rhythms, as well as the release of serotonin, one of the brain’s “feel-good” chemicals. Fortunately, SAD is less common in seniors over 55, but the senior population may still suffer from depression at this time of year. Here are some tips for beating the winter blues. The Great Outdoors Getting outdoors and soaking in whatever natural sunlight you can will help. For seniors, outdoor means a change of scenery and environment that can stave off winter doldrums of feeling cooped up indoors. Just stay inside if the wind chill makes it feel below freezing. If you have to venture outside, bundle up. Don’t leave any part of your body exposed, since seniors are especially susceptible to frostbite. Exercise If you can’t go for a walk in the great outdoors, the next best thing is a regular indoor exercise routine. Volunteer From soup kitchens to mailing packages to soldiers or distributing toys to children in need, there are many charity organizations in need of help this time of year. Maintain a healthy diet The darkness, colder winter temperatures and the sense of “hibernation” can cause us to overeat and to crave sweets and carbohydrates – a clear prescription for unhealthy weight gain. Try to stay with healthy foods and balance your food intake with sufficient physical activity and exercise. Soups with meat for protein and an assortment of vegetables can be a warm, satisfying alternative to high calorie foods.

(This isn’t one of them.)

Whether it’s yoga, music, art or drama therapy, trips to cultural events or a walk in the woods, our memory support programs are tailored to meet the mind, body and spiritual needs of each resident. Call The Greens at Greenwich today to arrange a tour. Because not all assisted living communities are the same

1155 King Street Greenwich, CT 06831

(203) 531-5500 (203) 531-1224 FAX

www.thegreensatgreenwich.com

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December, 2014

Boomers & Beyond - Fairfield County

Waveny’s recent dedication of the Richard Booth White Piazza at The Village

photos provided

Waveny LifeCare Network recently commemorated the legacy of one of its most devoted advocates and dearest friends, Richard B. White, by dedicating and naming The Village’s Piazza in his memory. Waveny’s seventh Board president, Dick White was a committed leader, trusted advisor, dedicated patron and champion of the capital campaign that funded and built The Village, Waveny’s award-winning assisted living residence. Pictured: The White Family at the newly-dedicated Richard Booth White Piazza; Past Waveny chair, Julianne Grace, presents to a teeming audience of Dick’s friends and family.

Boomers Healthcare eyond news Fairﬁeld County

Fairﬁeld County

Healthcare News and Boomers & Beyond comes to Fairfield County Connecticut!

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& Beyond Healthcare Newspaper 1 Ardmore Street New Windsor NY 12553

November 2014

The area’s only Health & Wellness publication to reach over 83,000 in Fairfield County Connecticut!

FREE 6-MONTH

Fairfield County

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For more information contact:

Jim Stankiewicz General Manager

Anthony Mairo Marketing Executive

Maureen Rafferty Linell Senior Sales Consultant

Jim@healthcarenewspaper.com www.healthcarenewspaper.com

Anthony@healthcarenewspaper.com www.healthcarenewspaper.com

MRLinell@charter.net www.healthcarenewspaper.com

(P) 845-534-7500 Ext. 219

(P) 845-534-7500 Ext. 215

(P) 508.869.6201

Boomers & Beyond - Fairfield County December, 2014

PAGE 5

Grandma & Grandpa are on Facebook! Getting online in senior living is as normal, if not more normal, than playing Bingo these days. According to Pew Research Center and Princeton Survey Research Associates International, 53% of seniors are getting online and using the Internet, 34% are networking on social media sites and 86% are using email. That’s right—grandma’s on FB and Twitter. You may want to ‘watch your P’s and Q’s’ in your daily posts and tweets. It turns out that seniors of today are becoming more savvy when it comes to technology and keeping-up with their grandchildren. After all, why should all the fun be for the younger generations when iPads have such engaging apps, and webcams make long-distance communication with families so much easier? Well, simply put, it’s not. Many baby boomer grandmas and grandpas are hip and well-informed when it comes to modern-day technology. Six million more seniors are using the Web than five years ago, according to the Nielsen Company. In fact, the number of seniors using the Internet has increased by more than 55 % since 2004.

RVNA Nurse Executive achieves Certification ESTABLISHED 1914

We’ve come a long way...

provided

Natalie Farrar MSN, RN, CHPN, LNC, Vice President of Clinical Operations for Ridgefield Visiting Nurse Association (RVNA), has successfully completed the requirements to be a Certified Dementia Practitioner (CDP) and a Certified Alzheimer’s Disease and Dementia Care Trainer (CADDCT). The certifications required an advanced level of education, fulfillment of pre-training work and successful completion of an extensive training course. In her leadership role with RVNA, Ms. Farrar oversees all clinical aspects of RVNA’s home health care and community health and wellness services. In addition to being certified to provide direct care to patients with Alzheimer’s and dementia, her CADDCT credentialing allows her to train and certify RVNA’s entire clinical staff to become Certified Dementia Practitioners. This will provide important skills and education on the care of Alzheimer’s and dementia impacted patients. For additional information on

how RVNA can help you with medical and non-medical home care services, contact 203 438-5555. About RVNA Founded in 1914, RVNA provides home and community health care services, supports public health and safety and promotes the highest quality of life in Western Connecticut, 24 hours a day, 365 days a year. RVNA has developed a patient-centered model of services in which individuals and communities are educated in health and wellness practices, patients with acute and chronic conditions are provided vital care in their homes and community outreach programs are in place to help individuals remain healthy over the long term. Services include home health care, senior care solutions, disease management, an “aging-in-place” program called “Quality Living at Home”, maternal and child health care, immunization and vaccination clinics as well as educational and wellness programs.

Registered Nurses s Physical Therapists s Occupational &

celebrating 100 years of exceptional care!

Speech Therapists s Home Health Aides s Homemakers s Live-ins & Companions s Transitional Care Services s Lifeline Medical Alert s Quality Living at Home s

Whether you are returning home from the hospital, traveling to a foreign country or needing to update your vaccinations, you can receive comprehensive care with RVNA’s extraordinary and professional staff. One call will provide all the support you need. Your time is valuable. RVNA’s care is remarkable.

RVNA Care Solutions s Maternal Child Health s Well Child Clinics s Flu & Shingles Vaccine s HPV Vaccine s

For a century, our exceptional home and community health care services have been available throughout Western Connecticut. Ask for us by name, RVNA is your VNA

Travel Vaccines s

PAGE 6

December, 2014

Boomers & Beyond - Fairfield County

Our View

Advertiser’s Index B&M Capital.........................................................................13 ColumbiaDoctors..................................................................15 Glen Island Center for Nursing and Rehabilitation.................14 The Greens at Cannondale....................................................9 The Greens at Greenwich......................................................3 Long Ridge of Stamford.......................................................11 Masonicare at Ashlar Village..................................................7 Ridgeﬁeld Visiting Nurse Association.....................................5 SYNERGY HomeCare..........................................................16 VNA of Hudson Valley.........................................................10 The Wartburg......................................................................12 Waveny Lifecare Network......................................................2

Fairﬁeld County

Boomers d

The Holiday season is about so many different things: Fun, cheer, good food, great friends and wonderful family. It’s a time for us to come together and serve each other. Whether you celebrate Christmas or Hanukkah, it’s a time to reflect on what you have and to be selfless in giving. The staff at Boomers & Beyond is thankful for many things, including our loyal readers. You all have truly been a gift to us. Thank you! Happy Holidays from our family to you and yours. Our staff would like to thank you for making 2014 so exciting for us as Boomers & Beyond continues to grow in beautiful Fairfield, Ct. We have produced an insightful magazine that you can depend on every month to get diverse and cutting-edge information about healthcare, trends and tips, coupled with news and feature stories. Our circulation and reach continues to grow here and we can’t wait for what awaits us in 2015! We are excited about continuing to bring hyper-local and relevant content into the homes of our readers. Our staff is always looking for stories, especially if it means highlighting a person or group in this community. So get in touch at info@healthcarenewspaper.com. Until then, Happy Holidays from all of us at Boomers & Beyond.

Jim Stankiewicz, General Manager

& Beyon

845-534-7500 • (fax) 845-534-0055 Info@HealthcareNewspaper.com PUBLISHER Joseph P. Belsito (Joe@healthcarenewspaper.com) ••• GENERAL MANAGER James Stankiewicz (Jim@healthcarenewspaper.com) ••• MANAGING EDITOR Cathryn Burak (Cathy@healthcarenewspaper.com) ••• SENIOR SALES CONSULTANT Maureen Rafferty Linell (MRLinell@charter.net) ••• MARKETING EXECUTIVE Anthony Mairo (Anthony@healthcarenewspaper.com) ••• CIRCULATION Michelle Belsito (Michelle@healthcarenewspaper.com) ••• SENIOR CORRESPONDENTS Brendan Coyne John Jordan

Corporate Information Healthcare News - Fairfield County, CT edition - Vol. 1 No. 4 - is published monthly, 12 times a year by Belsito Communications, Inc., 1 Ardmore Street, New Windsor, NY 12553. Postage Paid at New Windsor, NY and additional mailing offices. Postmaster: Send address changes to Healthcare Newspaper, 1 Ardmore Street, New Windsor, NY, 12553. No financial responsibility is assumed by this newspaper to publish a display, classified, or legal ad or for typographical errors except of reprinting that part of the ad which was omitted or in error. Omissions or errors must be brought to the attention of the newspaper during the same month of publication.

Next Month in Boomers & Beyond… Deciding the best care for your aging parent Home Care, Long Term Care, Assisted Living

Estate Planning, Elder Law, Legal Services, Medicaid

How to reduce estate taxes and increase your assets

Rehabilitation

Taking the ﬁrst step to recovery!

Boomers & Beyond - Fairfield County December, 2014

PAGE 7

6 tips to maintain your diet during the holiday season (you can do it!) Stay slim with these six tips healthy eating for seniors! With these tricks, you can avoid picking up those extra pounds over the holidays. 1. Do not skip meals It may well be that you would like to skip lunch to have room for more food at a Christmas party in the evening. However, this not particularly good for your weight. If you skip a meal, there is a high probability that you will overeat later 2. Choose your favorite foods Eat only the foods that you really like at parties. Think about what you would like to taste before the noshing begins. This can make it easier when you stand in front of the spread. 3. Ask for the menu For private holiday parties you could ask your host about what kind of food that will be served, so that you can prepare. Most people will be very understanding of this, especially when it comes to a guest on a senior diet. This allows you to plan very precisely, what dishes to sink your teeth in. 4. Find a senior home care agency Many of these specialize in healthy eating for seniors and can prepare you varied, nutritious meal, with no effort on your behalf. Over the holidays you can ask you senior home care provider to make the meals extra low fat, high in fiber etc., to make up for the rich holidays foods you will be served. Meal preparation is the ultimate calorie controller for people on senior diets. 5. Limit your fat intake Cut visible fat from roasts etc. Limit the amount of roasted potatoes you eat, and eat plenty of greens. If you cannot do without gravy, try to eat as little as possible.

I N D EPEN D EN T

LIVI N G

“W “We We loved this t apartment nt fr rom the minute min nute we walked walkeed in.” in.” from Not wanting to com compromise, promise, Myron Myron and Jo Josephine osephine weree looking for a continuing care wer c care retirement retirem ment community that offered offeered spacious living inside nside and two-bedroom out. The perfect fit: a two-bedr oom plus den en Notch Hill apartment on Masonicar Masonicaree at Ashlar V Village’s i illage’s Wallingford. scenic campus in W Wallingfor allingford. Our residents residents have a variety of accommodations accommod dations to choose from, from, a full fu ull menu of amenities for fo or carefree healthcaree — car efree living and unparalleled healthcar explore all on one campus. campus Come C explore us in person perrson to see how we could d be the perfect fit for you, 203-679-6425 too! Contact us at 20 03-679-6425 to schedule schedule a tour.. complimentary lunch ch and tour

www.AshlarVillage.org www .AshlarrVillage.org 72 Cheshir Cheshiree Roa Road, d, W Wallingfor Wallingford allingford Conveniently C onveniently located of offf Route te 15 in central Connecticut.

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December, 2014

Boomers & Beyond - Fairfield County

Travel tips for seniors during the holiday season It’s that time of year again, and if you’re planning to travel for the holidays, there are some important things that you should remember. Whether you’re flying out to visit with the family or driving to see family, the following tips will help make sure that you stay safe, save money and enjoy your holiday travel to the fullest

• Plan ahead: If you are driving, it makes sense to plan your route and the times you will be traveling ahead of time. Pick the most efficient route for you. This does not mean the quickest route. You want to pick the route that will get you to your destination quickly, but safely. Sometimes that means taking the long way around. For instance, when traveling near large cities, you will often have the choice of a route around the city or through it. Unless your destination is inside the city, you may want to go around. Taking the long way around will allow you to avoid unnecessary traffic jams and accidents. Plan your route so that you are traveling through the highest traffic areas in the late morning, afternoon, or late evening to avoid the morning and evening rushes. • Always have a backup: If you don’t have a smart phone or prefer not to use one, take your map and use highlighters. Highlighting your route will make it easy to see where you are going. Add and highlight exit numbers and rest stops as well. The easier it is to see, the less stressful your tip will be. • Plan ahead when flying to save money: Purchase your tickets ahead of time for lower prices and travel on lighter traveling days. You can sign up for many online services that will let you know ahead of time about travel deals during the holidays. The day before Thanksgiving and the following Sunday are the busiest travel days, so avoid traveling by air on those days. Flying on Black Friday will almost guarantee that you will avoid the crowds because most people will be shopping. • Take advantage of mobile apps: iPhone users can take advantage of useful applications on their phones. Smart phones can track airport information while traveling. Keep track of gate changes, flight delays, take-off times, and eating and bathroom locations (for those “gotta go now!” times). Some airlines have apps for check-in, tracking flight status, and even seat confirmation. Whether driving or flying, smart phones have great GPS applications that will get you where you’re going without having to look at a map. • Be sure to fill up: Driving in bad weather is taxing enough without worrying about running out of gas. Be sure to fill your tank when it hits the halfway point so that you don’t risk running out.

Boomers & Beyond - Fairfield County December, 2014

PAGE 9

Great Holiday gift ideas for the caregiver in your life The holiday season is the perfect time to give a caregiver a touching gift that gives them an opportunity to do something good for themselves. For caregivers, the best gifts are often the simplest — love, encouragement, a helping hand. Here are five great Holiday gift ideas for the caregiver in your life. 1. Gift certificates: It’s a personalized gift that demonstrates you care and appreciate what they’re going through. How about a gift certificate for a one-on-one date to dinner and a movie? Combine it with pre-arranged respite care by arranging for another family member or friend to sit with the care recipient while you are out. 2. A good meal: Offer up a home-cooked meal or give a gift card to the recipient’s favorite restaurant. Another idea is to put together a gift basket filled with ingredients for easy-to-prepare meals. How about a cookbook with 10-minute crockpot meals or food you’ve prepared yourself that can be frozen and reheated for a full, nourishing meal when time is limited? 3. Home monitoring system: One of the biggest challenges of caring for an aging loved one is taking time away from your own family. So if the caregiver on your list is spending a lot of time with an aging parent and less time at home with her family, a home monitoring system can be a lifeline. 4. A tablet or smartphone: More caregivers are relying on technology to research their loved one’s medical needs, communicate with long-distance family members to keep them in the loop, and to coordinate caregiving duties between multiple family members. A mobile device like a tablet or smartphone is a welcome gift that can make a caregiver’s life much more organized and less stressful.

5. Personalized mixed CDs or playlists. Music is an excellent stress-reliever and it’s also been shown to be highly beneficial for people with Alzheimer’s disease or dementia, making it a perfect gift for a caregiver caring for someone with cognitive impairment.

Live Better

It’s time to…

T REAT YOURSELF TO THE BEST. ll your life you worked hard to be the best. The best parent, the best provider, and the best professional you could be. You put the needs of others before your own. Now isn’t it time to put yourself first? Why not treat yourself to the best at The Greens at Cannondale? Our assisted living community offers spacious living accommodations, filled with all the amenities you deserve; three restaurant-style meals in our elegant dining area, daily housekeeping, personal care and the opportunity to challenge yourself through one of our many daily activities and educational opportunities that will expand your interests and your mind at the same time, helping you to become the best version of yourself possible. Call today to schedule a tour so we can show you what it means to Live Better.

Located on nine lush acres, The Greens at Cannondale stands out in a class all by itself. Each day we strive to exceed our well-known reputation of excellence in senior living throughout Fairfield County.

Live Better

435 Danbury Road Wilton, CT 06897 203.761.1191 www.thegreensatcannondale.com

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December, 2014

Boomers & Beyond - Fairfield County

1-877-Call 1-8777-Call VNA V vn nahv hv.org .orrg vnahv.org

Your home. home. Yourr needs. Our O services. ces. Association Hudson Valley Visiting g Nurse Assoc ciation of Hu udson V alley delivers the best quality professional in-home nursing, rehabilitative, home health aide and hosp ice services to residents of W estchesster and Putnam Putn nam Counties. s. hospice Westchester

Expertise. Communication. Commitment. E Commun nication. Commitm C ment. best Our specialtyy programs e O ensure the be est possible care. c Ǧ ơ Ǥ Ǧ ơ Ǥ

hours/7 days a week forr all of your you ur needs. needs Call us 24 hours/7 Address: Corporate Addr ress: Plainss Road, Ste. 300 540 White Plain Tarrytown, T arrytown, NY 110591-5132 0591-5132 Ȉ (914) 666-7616

Putnam Address: Addrress: 20 Milltown Road, Ste. M Ste. 101 Brewster, Brew wster, NY 10509-4309 309 Ȉ (845) 278-4068 4068

Boomers & Beyond - Fairfield County December, 2014

PAGE 11

10 holiday gifts that will make the senior in your life feel special ■ Sing along. Caroling is a fun activity for most any age. Why not get a group of your senior loved one’s friends together to serenade other older adults in an assisted living facility or nursing home? ■ Celebrate the reason for the season. Faith and holiday programs bring much joy to the lives of older adults. Be flexible and change traditions if necessary. For instance, attend early Christmas Eve service, not midnight Mass. ■ Shop — but not until you drop! Conditions such as macular degeneration, which lead to poor eyesight and the inability to drive, can make shopping difficult for older adults. Why not make it a special event to look forward to by taking your older adult to a favorite store or make online shopping an experience he or she won’t forget? Tune into seniors’ limitations and don’t overdo. ■ Focus on others. Volunteering to assist others can help seniors focus on someone else’s needs other than their own. Get the entire family involved in gathering supplies for a homeless shelter or serving a holiday meal. ■ Stay connected. The holidays can be a sad time for those seniors separated from their families. Help an older adult connect with loved ones far away with the latest technology, such as Skype. ■ Give the gift of time. Sometimes all an older adult wants is companionship, whether it’s a few moments of the day or a driving tour to view holiday lights. If you are short of time, consider the assistance of a family friend or neighbor.

You likely won’t find these gifts on the holiday wish list of your favorite senior, but they will mean so much to them. Even better, you don’t even need a big budget or a creative gift list to make the senior loved one feel special this holiday season. ■ Keep food traditions alive. Food can play such an important role in the holidays for seniors. If an older adult can no longer cook the traditional holiday meal, why not offer to carry on the tradition, asking the senior to help where he or she can help with a nice Hanukkah dinner? ■ Make a special delivery. Arthritis can make wrapping those holiday presents a challenge; so too can shipping gifts to loved ones afar. Why not schedule a gift-wrapping afternoon, complete with hot chocolate, cookies and plenty of family stories? ■ Deck the halls. Carting out those favorite holiday ornaments isn’t always possible for an older adult with a bad back or weak muscles. Neither is stringing the lights or hanging the ornaments. Make it a great multigenerational activity by sending over the grandkids or great-grandchildren. ■ Send holiday greetings. The handwritten Christmas card is one of the most popular traditions of this generation of seniors. Why not lend a hand and offer to spend an afternoon writing greetings? If that’s not possible, an online photo greeting card can be just as good (and save the cost of cards and stamps).

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December, 2014

Boomers & Beyond - Fairfield County

• Sub-Acute Rehabilitation • Skilled Nursing Facility • Adult Day Services • Home Health Care • Independent Living • Affordable Housing for Seniors • Assisted Living • Alzheimer’s/Dementia Care • Respite/Short-Term Stay • Hospice Care • Caregiver Support • Spiritual Care

wartburg.org

914-699-0800 One Wartburg Place Mount Vernon, NY 10552

Who qualiﬁes for a Life Insurance Settlements or an Advanced Beneﬁt Loan?

How seniors can manage holiday stress With travel, family and social engagements, house guests, shopping and a million other to-dos, the holidays can be overwhelming for anyone. However, for seniors the holidays can bring additional stress from multiple travel plans, an uprooted routine and even seasonal depression. Use these five tips to help keep holiday stress to a minimum for your senior loved one. 1. Set realistic goals: Visiting family and friends is always on the to-do list during the holiday season, but traveling and meeting with people all day can be physically and mentally exhausting. Make sure to schedule rest time throughout and allow for plenty of transportation time in between visits so that there's no rushing around to see last-minute guests. 2. Keep set schedules: If your senior parent or friend is used to waking up at a certain time, eating at a certain time and going to bed at a certain time, make sure to respect those schedules. Staying up later to accommodate family visits or having to eat later in the evening because of a difference in meal times can be difficult and stressful for a senior to acclimate to, so make sure you know beforehand what their schedule is like. 3. Keep expenses down: Many seniors are on fixed incomes, so keeping costs low can help ease any financial stress associated with the holidays. Travel, gifts and food can all start to take their toll on the checkbook, so make sure to create a realistic budget and stick to it. 4. Plan ahead: A marathon shopping trip may not be the best idea for a senior who has difficulty walking or standing for long periods of time. If these types of activities are unavoidable, make sure that a walker or wheelchair is available to make activities easier and more comfortable. 5. Keep friends and family around: Along with the fun and happy aspects of holidays comes sadness for many seniors - especially those who've lost loved ones. Be sure to not isolate yourself or your elderly companion. There are always churches and other civic organizations that offer holiday parties and gatherings, or volunteering at a local organization to stay social during the holidays.

At B & M Capital Inc., we advise on the various financial benefits of selling or taking a loan against your life insurance policy either through a life settlement or an advanced benefit loan. When we speak to individuals or professionals at seminars and conferences, they are amazed to learn how old the life settlement industry, about 100 years, and how many financial institution own or invest in this type of business. Yet, the greatest misconception in educating potential clients and professionals is, who are the people that qualify for a life settlement or advanced benefit loan? The answer to all of them is anyone who has obtained the age of 65 or older. They must be of retirement age, not necessary retired. They can still be actively working; actually, some of these people are still active members in the work force. The point that I am trying to get across is, today’s seniors are very different than what society shows us or what we perceive in our minds. Seniors, who are looking for other financial sources to find income or raise fund do not have to be hospitalized, terminally ill or destitute. There are many seniors who take advantage of our services that are in generally good health and financially sound. Here are some reasons why seniors take advantage of our services:

1. They are outliving their retirement funds due to the advancement in medicine, change in life style,

and the cost of living in the Northeast. Most seniors that live in the tri state area, enjoy being close to the greatest City in the world and do not want to leave. They have made friends, families, memories, and built a life that is unique to the Northeast. I know this to be true because; this is what I was told by my own parents, who were not born in this region.

2. Seniors are still very shrewd investors. Once I explain to seniors

how much value their life insurance contract could be possibly worth. They are quick to act. First we start with basic underwriting requirements and we submit the necessary paperwork. No cost to my client, a potential offer is then offered by a top-tier financial company. In a three to four week span, my clients are amazed on how easy and financially rewarding this type of transaction can be.

B & M Capital is a structured settlement company specializing in the purchasing of life insurance, annuities, structured settlements and oﬀering Advanced Beneﬁt Loans.

Free consultation! Please contact us for more information:

203-296-4852 Isn’t it time to explore another financial option?

Visit us online at www.bnmcapital.com And LinkedIn

PAGE 14

December, 2014

Boomers & Beyond - Fairfield County

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Begin with a five- to 10-minute warmup. Take a brief walk or march in place. Add arm movements and stretching your back to warm up the upper body. Dress appropriately. Wearing layers allows you to adjust to the temperature outside. Cover your skin to prevent frostbite. Use a small shovel that has a curved handle. A shovel with wet snow can weigh up to 15 pounds. Separate your hands on the shovel. By creating space between your hands, you can increase your leverage on the shovel. Lift with your legs, not your back. Make sure your knees are bending and straightening to lift instead of leaning forward and straightening with the back. Shovel frequently. Don’t wait till the snow piles up. Shovel intermittently, about every two inches.

5-STAR Government Rated Four Consecutive Years

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490 Pelham Road • New Rochelle, NY, 10805 www.gicnr.com • email: info@gicnr.com

(914) 636-2800

Boomers & Beyond - Fairfield County December, 2014

PAGE 15

SPECIALIZING IN CARDIOLOGY, INTERNAL MEDICINE AND GASTROENTEROLOGY

HONORED ON

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WARREN ROSENBLUM, MD ABDOLLAH SEDIGHI, MD INDERPAL SINGH, MD SUSAN SOEIRO, MD DAVID E. SOLARZ, MD CARMINE SORBERA, MD ELENA L. TSAI, MD STEVEN L. VALENSTEIN, MD MELVIN WEISS, MD RONALD WEISSMAN, MD PRESTON WINTERS, MD

Visit us at one of our locations: 19 Bradhurst Avenue Suite 700 Hawthorne, NY 10532 (914)593-7800

15 North Broadway 2nd Floor White Plains, NY 10601 (914)428-6000

5 Coates Drive Suite 2 Goshen, NY 10924 (845)294-1234

30 Greenridge Avenue Suite 207 White Plains, NY 10605 (914)328-8555

180 East Hartsdale Avenue Suite 1E Hartsdale, NY 10530 (914)725-2010

3 Michael Frey Drive Eastchester, NY 10709 (914)337-3500

688 White Plains Road Suite 210 Scarsdale, NY 10583 (914)723-3322

334 Route 202 Bailey Court Somers, NY 10589 (914)277-4367

154 Pike Street Port Jervis, NY 12771 (845) 858-4444

105 Stevens Avenue Suite 101 Mount Vernon, NY 10550 (914)667-8777

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December, 2014

Boomers & Beyond - Fairfield County

Franchises Available

Four Offices to Serve You!

Stamford Area

203-661-6969 Danbury Area

203-731-2544 Fairfield Area

203-923-8866 Greater Bristol Area

860-266-2666

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