SEPTEMBER 2, 2022 Travel Adventures Essential travel tips for seniors Helping Hands Local Rotary Clubs serve seniors with a smile Careers Navigating a job change after age 50 Your Guide to Living Well THE PRESS 50Club
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rofessionals change careers for many reasons. Some do so in pursuit of a higher salary, while others seek a more even balance between their personal and professional lives. Career changes can renew a person’s passion for working, which can grow stale for individuals who have been doing the same job for years on end. Though there’s not necessarily a bad time to change careers, there are times when making such a transition carries more risk. Such is the case for persons older than 50. Many people over 50 may not have the finan cial obligations they had when they were younger, as children may have grown up and moved out of the house. That can make changing careers after 50 more palat able. However, some individuals in their 50s may be hesitant to leave the security of an established career behind in favor of some thing new. Hesitance about job prospects after age 50 also can make some less likely to take the plunge into a new career. Though hesitancy about a career change after 50 is understandable, a recent survey from the American Institute for Economic Research found that 82 percent of workers who responded to the survey were able to successfully transition to a new career after age 45. In addition, projections from the U.S. Bureau of Labor Statistics estimated that labor force participation among individuals aged 65 and over would increase signifi cantly by 2022, nearly doubling the rate of participation in 1990. Those figures suggest that a midlife career change is not necessarily the same thing as a late-career career change. That should give profession als the confidence they need to success fully transition to a new career. Anyone considering a career change after 50 also can take these steps to make such a transition less risky. ♦ Pay down as much debt as possible. Financial freedom can be an ally for indi viduals 50 and over who want to change careers. Career changes often require a pay cut, so individuals who can pay off their mortgages, consumer debts and/or auto loans prior to making a career change may find the transition to a lower income goes more smoothly than it might if they’re still carrying such sizable financial commitments.
Delaying retirement also means delaying withdrawals from retirement savings ac counts, which can provide peace of mind against a loss of income resulting from a career change.
♦ Go back to school. Much like young people go to college before entering the professional arena, adults over 50 who want to change careers may need to go back to school to improve their career prospects. Remote learning and part-time schooling can make juggling a career and school more manageable. A successful career change after 50 is entirely possible for individuals willing to make some sacrifices to be happier in their professional lives.
♦ Downsize your lifestyle. Even a post50 career change that will require a sig nificant drop in income can be doable for professionals who downsize their lifestyles.
individuals who want to delay retirement won’t be alone. Delaying retirement af fords individuals more time to save, and a financial adviser can help adults over 50 come up with a new retirement plan that reflects their willingness to work longer.
♦ Make plans to delay retirement. As Bureau of Labor Statistics data indicates,
Empty nesters can consider moving into a smaller home, while travelers can cut back on the number of trips they take each year.
SEPTEMBER 2, 2022 50+ CLUB WWW.THEPRESS.NE T | 3B DeNovaHomes.com | Broker Reward Program - Earn Up To 4%* *DeNova Home Sales, the licensed broker (DRE #01247582), and DeNova Homes maintain the sole discretion to create, modify and/or enforce the DeNova Homes sales process, and reserves the right to modify this process at any time without any notice or obligation to any party. Agents must register their buyer by phone or at the DeNova Homes Sales Office on their first visit to be eligible for a referral fee. Referral fees will be paid only at the successful close of escrow for the registered buyer. Agent/Broker must be licensed in good standing with the BRE of the State of California at close of escrow. Approximate square footage. Prices, materials and specifications are subject to change without notice or liability. Sales and marketing by DeNova Home Sales. Equal Housing Opportunity. NEW 55+ ACTIVE ADULT COMMUNITY LUMINESCENCE AT LIBERTY IN RIO VISTA STARTING FROM THE MID $300’s LUMINESCENCE AT LIBERTY (707) 347-3833 | 2209 Stripes Glen Rio Vista, CA 94571 SINGLE FAMILY HOMES • 1,302-1,569 Sq. Ft. • 2 Bedrooms • Office (per plan) • 2 Baths DUET HOMES • 1,090-1,160 Sq. Ft. • 1-2 Bedrooms • Den (per plan) • 1.5-2 Baths • Great Lawn • Community Garden • Ranch House • Liberty House Café • Events Barn with Art Studio, and Business Lounge • Pool and Fitness Center • Large, Covered Patio with Fire Pits • 8 Bocce Ball Courts 2 Tennis Courts, and 4 Pickleball Courts • A Labyrinth • Walking Trails • Dog Park RESORT STYLE AMENITIES Retire in Style BIA BAY BUILDERAREAOFTHEYEAR ASK OURABOUTSPRINGSAVINGS! Tiered Broker Program – Earn Up To $15K* ASKOURABOUTFALLSAVINGS! How to plan for a post-50 career change P
Photo courtesy of Metro Creative Hesitance about job prospects after age 50 can make some less likely to take the plunge into a new career.
Cutbacks won’t necessarily be easy, but they can be worth it for individuals looking for new career challenges.
The Rotary Home Team is a program in which Rotarians provide free essential home maintenances major or minor to older adults in need.
DANE DICKERSON
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The COVID-19 pandemic temporarily halted The Home Team’s service until this year, and it has been difficult to recover a client base since then, Martinez said. If you or someone you know might benefit from a helping hand, call 888-204-5573 or visit their website at www.rotaryhometeam. com for more information.
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The Rotary Home Team makes house calls B
The Rotary Home Team is a program in which Rotarians provide free essential home maintenance to older adults in need. Volunteers replace those hard-to-reach light bulbs, change smoke alarm batteries, repair finicky doors, and perform many other minor repairs. The Brentwood Rotary Club offers this program on the last Saturday every other month, while Oakley offers theirs the third Saturday of every other month. The next event scheduled for Brentwood is Sept. 24, with Oakley’s on Sept. 17. The Rotary club is the world’s oldest service organization, with 1.4 million members worldwide completing 47 million volunteer hours to transform communities annually. Both 501 (c) 4 nonprofit organiza tions, Brentwood’s Rotary Club has been serving the public since 1949 while Oakley’s Home Team was established in 2019. Their club motto, “service above self,” aligns with the free home repairs. However, Adam Martinez, Brentwood Rotary Home Team manager, says their work is about more than “We’rethat. thinking of the senior citizens in the community that don’t have somebody that they can call on, that may not have family that can change a lightbulb for them,” he said. “That’s where we kind of step in, and a lot of the times the seniors just want somebody to talk to. It’s also about keeping the seniors safe. That’s a thing we’re really big on because we don’t want senior citizens falling and hurting themselves.” Martinez delegates a group of about 15 Rotarians to an average of five clients’ homes. Clients generally provide repair items such as smoke alarms or lightbulbs, but Rotary Club funds cover expenses when clients cannot. If necessary repairs go beyond the Home Team’s capabilities, Martinez has his construction business finish the job. Joe Bray, the manager of the Oakley Home Team, echoes Martinez’s passion. “Our goal is helping the senior community in Oakley with their minor home repairs,” he says. “We want to keep them safe and off ladders.”
Photo courtesy of Oakley and Brentwood Rotary Home Team
FIND YOUR RHYTHM
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WHERE YOUR PEOPLE PLAY
rentwood and Oakley’s Rotary Clubs are all about assisting the community. They’ll even come to fix your grandparents’ leaky faucet, free of charge.
SEPTEMBER 2, 2022 50+ CLUB WWW.THEPRESS.NET | 5B Rose Nguyen Kaiser MedicarePermanentespecialist I can meet you in person, online, or by phone: Call 925-487-9868 Email rose.nguyen@kp.org Visit mykpagent.org/rosen for a full list of online seminars NorCal Bay Area Hi! I’m your local Kaiser Permanente Medicare specialist, and I’m here to help. I know choosing a Medicare health plan can be challenging. Let me help make it simple. Now’s the time to get in touch so I can help you: • Learn about $0 copays for virtual care, including email, chat, e-visits, video visits, phone appointments, and our 24/7 advice line1 • Understand the benefits of a Kaiser Permanente Medicare health plan, which is rated 5 out of 5 stars in California for 2022 — Medicare’s highest possible rating2 • Find a Kaiser Permanente doctor • Add extra benefits like dental, vision, and hearing to your plan • Get details on how you may be able to enroll and become a member as soon as next month3 Join me at a eitherneighborhoodliveseminar,onlineorinperson, to learn more. 1. When appropriate and available. 2. Every year, Medicare evaluates plans based on a 5-star rating system. 3. You must meet all Medicare health plan enrollment requirements. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. Kaiser Foundation Health Plan, Inc., 393 E. Walnut St., Pasadena, CA 91188-8514. Y0043_N00032832_HD1_M 783465941 CA November 2021 For a full listing of in-person seminars, visit kp.org/seminars
6B | WWW.THEPRESS.NET 50+ CLUB SEPTEMBER 2, 2022 925.757.4500 | 2500 E. 18th Street, Antioch, CA 94509 | oakviewmemorialpark.com
CBD a dream in more ways than one R emember being young and feeling free? Almost as if you didn’t have a care in the world? Well, at least not the aches and discomfort that sometimes come with aging. Getting older unfortunately usually comes with its fair share of ailments and yes, sometimes pain. You are not alone and there is a natural option out there that can helpPurpleyou.Hayes CBD offers many remedies that can assist in offering relief to many different unwanted feelings while benefiting your overall wellness. CBD (Cannabidiol) is derived from the “hemp” plant and does not contain any psychoactive effects. It is designed to natu rally help and relieve the body from numer ous symptoms including pain, inflamma tion, anxiety, headaches, and insomnia, to name just a few. We shouldn’t have to suffer in silence or become dependent on over-thecounter medicines when we have other options available to us at our fingertips. That is how and why Purple Hayes CBD was born and why our main goal is to help educate people on the positive effects of CBD overall.
Purple Hayes CBD is a women-owned business, owned and operated by Kristin and Rachel. And yes, our legal last name is Hayes, so we thought to ourselves, “How can we not call our new CBD business, Purple Hayes”? Our 50-and-older demo graphic always gets a kick out of that one! We strive to help others explore a new way of living, with health and wellness as a priority. For many years, we both lived the “rat race” of life, and knew that one day, we would want to slow down and really follow our dreams. CBD has become the perfect solution for us. In 2019, Rachel was involved in a life-changing car accident that left her with a mild traumatic brain injury. The endless nights of insomnia and nerve damage in her hands, arms, and feet made her feel hopeless and like it was never going to end. Rachel decided to put the overthe-counter drugs aside and try CBD for more long-term relief. It has since worked wonders for her. In 2021, Rachel also developed rheumatoid arthritis and CBD has helped tremendously. From that point on, we knew what we wanted to do, and that was … offer our own products. We also knew we wanted to offer premium hemp-derived options and partnered with a manufacturer to bring our vision to life. From there, we jumped with both feet in! In addition, Kristin has also taken steps to further her knowledge and is now a certified life and wellness coach. She is also about to complete her studies to also be certified CBD and cannabis coach. Education is key and Purple Hayes is here to educate you on any questions you may have regarding our wonderful products. Let Purple Hayes CBD help you take control of your life and enjoy it. CBD has changed our lives, and we know it can do the same for you. We can’t wait for you to try ourForproducts.moreinformation, call 925-548-3635 or e-mail kristin@purplehayeswellness.com or visit www.purplehayescbd.com – Advertorial
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SEPTEMBER 2, 2022 50+ CLUB WWW.THEPRESS.NET | 7B
♦ Enroll in an adult education course. A 2014 study published in the journal JAMA Neurology examined the assocition see Sharp page 21B
♦ Consider delaying retirement. Even if early retirement is a dream, it might be better to work a little longer than you had planned.
8B | WWW.THEPRESS.NET 50+ CLUB SEPTEMBER 2, 2022 HopeHospice.com (925) 829-8770| HOPE HOSPIC E AND HEALTH SERVICES Compassion and quality when it matters most. When your loved one is faced with a life-limiting illness, you want a care team that treats them with compassion, dignity, and respect. Hope Hospice has been that trusted resource for families in the East Bay Area since 1980. Programs & Services P Hospice care P Palliative care P Dementia education P Senior-care classes P Caregiver resources P Grief support P Volunteering Our griefconsultations,classes,caregiverdementiaandsupportare free of charge to our learnVisithospicearewhoseevencommunity,forthoselovedonesnotonourservice.usonlinetomore. (coming soon) Ceiling fans Drywall RunningFenceOutletsrepairrepairsPaintingToilets Light TileFurniturefixturesassemblyTVmountsRepair&InstallCurtainsBlinds Kitchen & PressureRemodelBathwashingHaulingDoorsLandscaping ClosetShelvingFaucetsorganizersGaragestorageMuchmore! 2 207 17 LDMEDAL AWARD 2 208 18 LDMEDAL AWARD 2 209 G19 OLDMEDAL AWARD 20 2021 1 BRENTWOOD GOLD MEDALAWARD THE PRESS ASK ABOUTUSOURSENIORDISCOUNTS 20 2020 0 BRENTWOOD GOLD MEDALAWARD THE PRESS How to stay mentally sharp after retirement R esearchers have long recog nized that certain cognitive abilities begin to decline with advanced age, even among elderly individuals who are healthy. However, despite that decline, the Centers for Disease Control and Prevention notes that dementias like Alzheimer’s disease are not an inevi table part of aging. In fact, the CDC estimates that as many as 40 percent of dementia cases may be prevented or delayed. In addition, the CDC reports that it’s not uncommon for routine memory, skills and knowledge to stabilize or even improve as the brain ages. That’s good news for retirees who want to spend their post-work life pursu ing their passions and hobbies. Individuals also can embrace some strategies to stay mentally sharp in retirement.
A 2021 study published in the journal SSM - Population Health found that postponed retirement is beneficial to cognitive function for all genders, races/ ethnicities, educational levels, and profes sional status. The study reported that indi viduals who waited until age 67 to retire experienced less cognitive decline than those who retired prior to turning 67. ♦ Make exercise part of your retire ment routine. A lack of structure may seem enticing to individuals who have spent decades working. However, many retirees find that little structure loses its appeal quickly after calling it quits. When creating a new routine in retirement, include regular exercise. According to the Mayo Clinic, studies indicate that people who are physically active are less likely to experience a decline in their mental function. So daily exercise not only gives retirees something to do, but also benefits their brains.
SEPTEMBER 2, 2022 50+ CLUB WWW.THEPRESS.NET | 9B
Cheryl Ortiz
If you ever find yourself at a Zumba class in Summerset III, you’re likely to meet Evelyn Kramer. Evelyn has been a Brentwood resident for 22 years, attends a weekly Zumba class, and just so happens to be the oldest student at 99 years old. Zumba is a Latin-inspired dance work out that has grown in popularity in recent years due to its health benefits. According to WebMd.com, Zumba is a great form of cardio-vascular and strength training. The best part about Zumba is that anyone can do it, according to students and teachers. You don’t have to be a profes sional dancer or workout enthusiast, Zumba is all inclusive and can be beneficial to any age group. However, teachers recommend that you contact your physician if you plan on taking up new forms of exercise. Health. gov, the website of the federal Department of Health and Human Services, says that seniors who are active for at least 150 minutes a week will find improvement in their overall mood and a reduced risk of life-threatening illnesses. About a year after moving into Summerset, Evelyn began taking ChiBall classes with Cheryl Ortiz. Evelyn describes Ortiz as an inspiration for exercising. Ortiz was an activities director at an assistedliving facility when Evelyn started attend ing her workout classes. Now, classes are offered in Summerset III’s Recreational room and are much closer to home. Other activities Evelyn enjoys are bocce ball and walking. Before the COVID-19 pandemic, she also played golf. Evelyn’s message to seniors who want to get back into exercising is to just go for it. If you’re interested in taking Zumba classes and would like more informa tion, call the Summerset III main office 925-516-7397. To view a video, visit www.thepress.net/ multimedia courtesy of
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Prior to posting pictures or information about other people, confirm that they’re OK with you doing so.
Social media: It’s not just for kids anymore P
A 2018 study from the Pew Institute found that 65 percent of adults aged 50-64 used Facebook and 68 percent used YouTube.
♦ Turn off location information. The technology behind social media is impressive and even makes it possible to determine where users are when they tweet or post to other platforms. But many users, especially those concerned about their privacy, don’t want to share location information with anyone, much less strangers. Turn off location informa tion and routinely double check to make sure it’s still turned off.
erhaps due to the popularity of social media among a generation of young people who grew up with it, platforms such as Instagram and Facebook are often associated with people born in the 21st century.
Social media is often on the receiv ing end of negative attention, but it’s also a potentially valuable tool that can help men and women over 50 stay connected with their communities. That’s not always so easy for adults who no longer have children at home. And as its name suggests, social media can help users connect with others who share their interests. Such connections also can be hard to make for adults over 50.
– Courtesy of Metro Creative Photo courtesy of Metro Creative
12B | WWW.THEPRESS.NET 50+ CLUB SEPTEMBER 2, 2022
♦ Aim for quality, not quantity, when building social media networks. Avoid accepting friend requests from anyone you don’t know. Cyber criminals often gain access to victims via social media, so limit your social media network to people you know and trust.
Adults over 50 may be more comfortable with social media now than they were a decade ago, but it’s still a good idea to brush up on basic security measures that can help men and women protect their privacy as they use platforms like Facebook, Twitter and Instagram. No matter how comfort able users become, it’s still best to keep various social media safety protocols in mind ♦ Protect your personal information. No social media user has the right to access your personal information, including your address, date of birth or other data unique to you. Avoid interact ing with anyone who requests personal information, employing the function to block such users from connecting with you when possible. It’s also important to keep information about travel plans
private. For example, sharing details of an upcoming vacation can serve notice to potential criminals that no one will be in your house, making it a potential target for burglars.
♦
Privacy. Discuss others’ privacy con cerns before posting to social media. Social media use isn’t for everyone, and some people may not want photos of themselves or their children posted to platforms like Facebook or Instagram.
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Just because you are seated doesn’t mean you can’t get a workout in. Seated chair exercis es can work various muscle groups. Seated arm rows, tummy twists, overhead arm raises, hand squeezes with a tennis ball, inner thigh squeezes, leg lifts and extensions, and many other exercises can be customized to be performed in a chair.
hysical activity is vital to over all health. The World Health Organization (WHO) says limit ing time spent being idle and taking advantage of opportunities to get moving — even if it’s just a little bit of exercise — can go a long way toward improving overall health.
♦
The exercises encourage people to focus on slow, fluid movements – Courtesy of Metro Creative
♦ Use resistance bands Resistance bands are like giant rubber bands that can be used to build up strength and flexibility. Resistance bands are effective, low-cost gear that can offer high-impact results for building muscle, staying fit and increasing mobility. Resistance bands can be used in lieu of hand weights for many exercises and be ideal for those who find barbells and dumbbells are challenging to maneuver.
Mind-body exercises are an option Elder Gym, a fitness from home service for seniors, suggests exercises like Tai Chi and yoga for those with limited mobility. These exercises integrate awareness of body movement with the exercise through coordinated breathing.
Exercise can help increase your mobility
♦ Explore chair exercises
♦ Work out in the water Exercising in the water can assist with movement and reduce strain on the body. The Arthritis Foundation says the water’s buoyancy supports body weight, which minimizes stress on joints and can alleviate pain. Water provides gentle resistance as well - up to 12 times the resistance of air.
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In November 2020, the WHO released new exercise guidelines for people of all ages. Adults should get between 150 and 300 minutes a week of moderate to vigorous aero bic activity, and that includes older adults and those with chronic conditions or disabilities. Individuals with limited mobility due to age or preexisting medical conditions may wonder how they can meet the guidelines for exercise. Those with chronic pain or illness sometimes find that exercising for more than a few minutes can be challenging. Even brief periods of exercise can pay dividends, and there are various approaches people can take to work around mobility and other issues.
Community
SEPTEMBER 2, 2022 50+ CLUB WWW.THEPRESS.NET | 15B SENIORNON-PROFITRESPITE CENTER • Compassionate Caregivers • Individual Options and Group Decision Making • Alzheimer and Dementia Care • Supervised Socialization • Daily Mind and Movement Activities • Music & Animal Therapy • Beautiful Grounds for Outdoor Gatherings and Walking • Monthly Support Meetings Recognized by Kaiser, Sutter and John Muir Social Worker Programs www.stannevillage.com/sav-respite-care Lic# 079200544 Peace of mind for you, fun & safe for them! SAINTANNE VILLAGE COMPASSIONATECARE St. Anne Village All are welcome! St. Anne Village | 2800 Camino Diablo, Byron | 925-240-4757 Email: Saintannevillage@gmail.com COMING SOON! CAREBOARDCENTRALLYLOCATEDANDHOME
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Call for more information regarding residential services and evaluation for either live-in or adult day program. is key ommunity is not fostered simply with good intentions. St. Anne Village’s priority is to build relationships while responding to specific demonstrated needs of our senior community in the East Contra Costa community of Byron. In 2014, a group of dedicated indi viduals began brainstorming ways to best make a long-term positive impact. So many of the seniors in our own community desired to continue living in their own homes, but family members had no options for short-term respite. As a result, St. Anne Village, Inc. (SAV), a 501 (c) (3) nonprofit corporation, was born. St. Anne Village’s successful respite care facility and program is now in its seventh year of operation. St. Anne Village has become a leader in the area providing an anchor of support to numer ous families, giving respite to caregivers, and providing positive social interactions to ourManyseniors.ofour clients live with demen tia, Alzheimer’s or other cognitive impair ments, and they benefit from a variety of interactions, including past intergenera tional activities with our preschool and youth programs, animal visitors, arts and crafts, games, dance, and music. St. Anne Village is currently licensed to care for up to 15 individuals at any given time. With more than 20 enrolled partici pants, we are considering expanding our license to 30. Our respite care program has laid the groundwork for the construc tion of a commercial mixed-use develop ment in OneByron. ofour more ambitious proj ects, the creation of 184 senior hous ing units, a restaurant and café, retail space and nondenominational chapel in Byron, has been paused since the onset of the COVID-19 pandemic. With seniors being so susceptible to serious cases of COVID-19, the organization questioned whether the original model was still viable. However, after much deliberation, some modifications to our plans, as well as the advent of vaccines and treatment, we believe the need for high-quality social interaction outweighs risk of seri ous illness. SAV is looking to take this development to the county’s Board of Supervisors for final approval soon. In the meantime, St. Anne Village is looking to acquire one or two singlefamily housing units to create affordable assisted living environments that will help keep seniors active and engaged within the community. This element is a new piece of the St. Anne Village vision and will bring much-needed services to the area. Ourhomes will consist of 6-8 seniors in a compassionate and active board and care residence operated by St. Anne Village staff. St. Anne Village strives to bring continuity to our elder peers and provide them with long-term care through all the stages of their particular needs. We are excited about this new venture that will further encompass our passion for giving the best possible care. For more information regarding our day program or to be put on the waiting list for our residential opportunity, call 925-240-4757 or email us @ saintannevil lage@gmail.com. You may also visit our website https://www.stannevillage.com/ –
♦ Use senior-friendly services. Seek out travel services that offer the best perks for older adults. Many travel providers no longer offer senior discounts, but they may offer other ben efits, such as early boarding or assistance with traveling from gates to baggage areas.
♦ Get travel insurance. According to Liz Dahl, co-founder of Boomer Travel Patrol, a website featuring expert advice geared toward the Baby Boomer demographic, travel insur ance can be essential for older travelers. Older travelers may be more at risk of falling or getting sick and some may need extra medication if travel is interrupted or delayed. Travel insurance can provide extra coverage for a relatively low price if something goes wrong.
♦ Don’t advertise your absence. It may be tempting to upload photos of your beachside vacation to social media as you are immersed in paradise. Unfortunately, seniors tend to be targets for thieves because they are seen as vulnerable. Don’t make the job easier by advertising you are away from home. In addition, have a neighbor periodi cally pick up your mail and set lights on timers to give the impression you are home even when you’re not.
Photo courtesy of Metro Creative Seniors can travel more than some other age groups and should focus on safety.
♦ Pack copies of important documents. If the paperwork is lost while traveling, request copies of prescriptions and/or statements of medical conditions from each physician and medical treatment center so you have a second set. Keep copies of your passport, driver’s license, insurance cards, travel tickets, and other documents as well.
According to the U.S. Census Bureau, there are roughly 52 million people who are age 65 or older in the United States. With a $1.6 trillion total net worth, seniors spend more on groceries, pharmaceutical items and travel and leisure than any other demographic, statistics show.
Seniors have the ability to travel much more than other age groups, and they can make the experience enjoyable by focusing on safety. Age does not have to restrict one’s ability to travel, and with age comes experience and more opportunities to enjoy travel. Before taking off for parts unknown, men and women over 50 can take steps to ensure their excursions are as safe as they are memorable by doing the following:
♦ Consider risk. The coronavirus pandemic of 2020 taught the world that situations can change rapidly. Before book ing any travel, weigh the risks and the benefits of a trip. Determine if COVID-19 is spreading where you live or at your destination. Older adults have a higher risk for severe illness caused by the virus. Until you are vaccinated, it may be best to wait to Dinahtravel.Thompson, retired Brentwood resident and avid globetrotter, says seniors can still travel safely but it means taking extra precaution and avoiding enclosed spaces when“Wearpossible.N95s and double mask on an airplane or crowded transport or venue. Do not go on cruise ships!” warns Thompson. “With new variants the contagion is off the charts. We are double vaccinated and boosted. We still got the [Delta variant] during a cruise.”
of the perks of getting older is having more time to devote to recreation and traveling.
♦ Give our itinerary to trusted friends or family. Keep loved ones apprised of your general travel itinerary, especially if you are traveling solo, recommends AARP. Keep a mobile phone on you at all times.
16B | WWW.THEPRESS.NET 50+ CLUB SEPTEMBER 2, 2022 LAW OFFICE OF ANNE HYDORN Elder Law and Estate Planning Trust. Compassion. Integrity. www.hydornlaw.comKindness.Helping families and seniors plan for a secure future and peace of mind. See information about my upcoming FREE workshops on estate planing by visiting me online. (925) 391-8630 8330 Brentwood Blvd., Suite B Serving All of East Contra Costa County ANNE HYDORN Legal Services • Wills & Living Trusts • Advance Health Care Directives • Financial Powers of Attorney • MediCal & Long-Term Care Planning • Trust Administration Your home is your castle. Silver Castle Care will help you stay in it. • Regular scheduled check-in calls • Whole home assessments for safety, security, fire, and fall prevention • Recommend home improvements and trusted vendors to make them • Monthly home safety checkups • Scam and crime education and awareness • Review of emergency documents • Real estate and transition assistance Providing Safety and Support Services for Seniors Living Independently in Their Home Call for a FREE Home Safety Consultation erin@silvercastlecare.com925-435-1600ErinLamb,SHSS,STS 6 tips for seniors to travel safely O
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Vera Martinez, travel agent of Best of Brentwood’s Dream Vacations, says she strives to help seniors find discounts that are otherwise overlooked.
“Yes, it’s true that most vendors no longer offer senior discounts but a few cruise lines like Carnival and Celebrity do offer a discount for those who are at least 55 years of age,” says Martinez “Personally, I look for the best promotions for my clients based on the type of vacation they are looking for so I know they have the best value. I have learned that some times a promotion will be better than a ‘senior discount’.”
Physical fitness: Driving is more than just understand ing road signs and how the car works. Safe driving requires sufficient physical fitness to operate a vehicle. Exercising and being active by walking daily, stretching and performing strength-training exercises can make it easier to steer and get in and out of the car.
Photo courtesy of Metro Creative Older drivers are more likley to have conditionsmedicalthatmakedrivingmoredifficult.
management:Medications
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Getting older may come with certain physical limitations that can be remedied with a few modifications. An occupational therapist may be able to recommend assis tive devices, such as steering wheel covers that make gripping the wheel easier, or a swiveling seat pad to make getting out of a vehicle less strenuous.
About 45 million licensed drivers on the roads today are aged 65 and older. Driving is one way for seniors to stay independent and live fuller lives, but traffic crashes are a leading cause of injury and death for older adults, accord ing to the Centers for Disease Control and Prevention. Older adults are more than twice as likely than younger drivers to report having medical conditions that make it difficult to drive, and usage of certain medications can further affect the ability to drive safely. The National Highway Traffic Safety Administration urges older drivers, friends and family to talk about driving safety. The following are some points to emphasize during such discussions.
Individuals should exercise caution when taking medications, especially sleep and pain medications. Even cold remedies can affect driver safety, advises the Mayo Clinic. Always read medication labels and pharmacy inserts to determine if it’s safe to drive while on a given medication.
The CDC recommends that adults have their vision checked by an eye doctor at least once per year. Corrective lenses or glasses also should be worn if they are needed to improve vision.
Discussing driving with seniors – what to focus on
Seat belts: Seat belts save countless lives. Some older drivers may have grown up during a time when seat belts were not standard on vehicles and may not recognize the importance of wearing them. However, seat belts are crucial each and every time drivers get behind the wheel.
Vision checkups:
Discovery Bay Office: 2453 Discovery Bay Blvd. Discovery Bay CA. 94505 empty nesters can overcome boredom aising children is a significant responsibility. Parents know there’s no such thing as a day off, which is why the first day they come home to an empty nest can be so confounding. After roughly two busy and likely hectic decades or more of looking after their children, parents whose sons or daughters have left home for the first time may experience feelings of sadness and loss. That’s not unusual, as the Mayo Clinic notes. It’s a phenomenon known as “empty nest syndrome.” Though it’s not a clinical diagnosis, empty nest syndrome can be a difficult hurdle to overcome, especially for parents who find themselves suddenly bored after years of being so busy. Newly minted empty nesters can look at their empty nest as an opportunity to engage in activities that pique their interests after years of catering to the needs and wants of their children. Those parents looking to banish boredom can consider these strategies.
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♦ Reconnect with old friends. Some people experiencing empty nest syndrome may be hesitant to admit they’re experiencing feelings of sadness and loneliness. But a recent Sky Mobile study of parents of teenagers in England found that 47% were fretting about having an empty nest. So it’s likely that old friends and fellow parents are experiencing feelings associated with empty nest syndrome. Reaching out to old friends is a great way to reconnect and can provide an outlet to discuss feelings parents might be hesitant to share with others. But empty nesters who experience significant feelings of sadness and loneliness are urged to speak with a healthcare professional as well. ♦ Replace kids’ activities with your own. After years of toting kids from one extracurricular activity to another, empty nesters can now do the same for themselves. Visit local community centers and libraries and ask about classes for adults. Many offer classes on everything from crafts to sports. Adults also can research continuing education programs at local colleges and universities if they’re interested in a career change or pursuing an advanced degree for personal enrichment. – Courtesy of
♦ Give your home a new look. Parents go to great lengths to make their homes welcoming safe havens for their children. Moms and dads often joke that, between play rooms and study areas, kids get the bulk of the real estate under their roofs. Now that the children have moved out, parents can take back that space and refresh their homes. A home that’s adapted for empty nesters will look quite different from one designed for families with young children. So a renovation or redesign can provide plenty of work that can fill idle time and instill a sense of excitement about the future. ♦ Become a weekend road warrior. Newly minted empty nesters are likely still working full-time. But now that there’s no soccer practices or band recitals taking up valuable real estate on your weekend schedule, Saturdays and Sundays can provide perfect opportunities to travel. Plan routine weekend getaways, choosing different locales for each trip. Visit a city one weekend and devote a subsequent trip to the great outdoors.
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Though data from the U.S. Census Bureau indicates the number of people working into their 70s increased significantly during the first two decades of the 20th century, the vast majority of professionals still call it a career sometime during their 60s. Retirement may still be a long way off for people who are in their early 50s, but around this time thoughts of what retirement could look like could compel many people to seek ways to reduce their financial load in anticipa tion of the day when they will no longer be working. Cutting back needn’t be complicat ed, and the following are some simple ways for anyone 50 and over to save money.
♦ Reexamine your housing situation.
– Courtesy of Metro Creative Photo courtesy of Metro Creative
♦ Address unsecured debt. Unsecured debt, which can include credit card bal ances and medical bills, tends to carry higher interest rates than debts that carry a col lateral requirement. According to the Federal Reserve, about 12.5 percent of individuals over 50 still have student loan debt, which is another type of unsecured debt. If possible, people over 50 should pay off these debts immediately or make their best effort to pay extra each month so they are paid off as soon as possible.
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♦ Pay in cash. It’s not enough to simply pay off unsecured debt like consumer credit.
Adults 50 and over who purchased their home in their late 20s or early 30s are likely nearing the maturity date on their mortgages. If so, paying a little extra toward the principal each month will help you pay off that mortgage a good deal earlier than if you keep paying the same amount you’ve been paying for years. Though paying extra money each month may not seem like reducing your financial load, it will do so considerably over time. For example, the financial experts at Wells Fargo note that individuals with a fixed-rate mortgage loan of $200,000 at 4 percent can cut the term of that loan by more than 4.5 years by paying as little as $100 extra each month toward their principal. Homeowners older than 50 who have already paid off a significant percentage of their mortgage loans could reach maturity much sooner if they start paying more toward principal now. Since housing costs are many people’s greatest expense, removing a mortgage payment from your financial ledger by the time you reach 55 could create significant financial flexibility as you get closer to retirement.
It’s also important to stop accruing addi tional debt. People over 50 should resist the temptation to use their credit cards, instead paying with cash or debit cards. Credit card debt is often characterized as a problem for young consumers, but a 2021 report from ValuePenguin.com found that the median credit card debt among individuals aged 55-64 was higher than it was for consum ers aged 35-44. Paying in cash, whether it’s with paper currency or a debit card, ensures you’re not digging yourself into debt.
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MIKE’S ESTATE PLANNING MINUTE 20 2021 1 BRENTWOOD GOLD MEDALAWARD THE PRESS
DANE DICKERSON see Fair page 21B
he Oakley Senior Center will be hosting a free resource fair Sept. 8 at 215 2nd St., from noon-2 p.m. Companies, nonprofit organizations and government programs will gather to connect with seniors and provide information about their servicesl. The array of services offered is diverse, ranging from insurance, trans portation, health, and legal advice. It will even feature a free vaccine clinic. More than 30 groups are scheduled to hold booths.Although a lot of the groups are geared towards seniors, family members and caregivers of all age groups are invited to attend. Jim Fridas, project coordinator for the Oakley Senior Center, says these fairs are all about providing knowledge as an extension of the center’s mission of service. “It should be called an information clinic more than anything, because they’re getting valuable information. And when I say ‘valuable’, I can’t emphasize the word enough,” said Fridas. “After they come the first time, they will be looking forward to the next one. I have people asking me all year ’when are you going to have it?’ over and over again. They are very inter ested and excited.” The event is managed and sponsored by the East County Senior Coalition. Registration fees for organizations are $25 for non-profits, $50 for commercial busi nesses, and free for government agencies. Simultaneously, Oakley Senior Center volunteers will be distributing food as part of their weekly food distribution. With deliveries from the Food Bank of Contra Costa, they will be supplying 30-pound boxes of dry essentials and fresh produce to upwards of 150 people. “We have to provide services for our
Various services for Oakley residents
Estate planning documents cover the distribution of assets after death but do not always provide the details you may want those you leave behind to have. This is partly because these types of details and information typically change often. Changes to a will or trust require certain formalities (i.e. must be in writing, signed by you, etc.) This is where a letter instruction can be helpful. Although the letter is not binding, it can be very helpful in identifying final wishes you may have, such as social media posts, financial information, a list of assets and even desired distributions of personal property to assist those appointed to make those distributions. The letter can include account numbers, location of important documents, a list of professionals you use, website passwords, etc. Obviously, it is important to make sure the letter is updated on a regular basis to make sure the information is current. On the issue of personal property, another option is the use of a separate letter to make a binding distribution of personal property items such as vehicles, jewelry, furniture, family heirlooms, etc. To use a letter in this context, your will must state that you are authorizing the distribution of personal property in a separate writing, the separate writing must be dated and be either in your handwriting or signed by you. The benefit here is that you can change this letter at any time and add and subtract property as you see fit. Changes do not require you to amend your will or even contact an attorney, etc. In short, this method provides you flexibility in the distribution of personal property. If your will does not already include a reference to the use of such a letter, make sure you revise your will ASAP and have the necessary language added. We can certainly assist you with this and all other estate planning needs you may have. Every person is different, and we have many suggestions and options available to address your unique situation. If you have questions on this or any other estate planning topic, call me at (925) 5164888. East County Family Law Group, 1181 Central Blvd., www.eastcountyfamilylaw.comBrentwood
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he Antioch Senior Center is hosting a free resource fair on Sept. 30 from 10 a.m. to noon at the center at 145 W. 2nd St. Among the vendors will be informa tion about: caregiving resources, educa tional programs, preventing slips and falls, financial retirement planning, technology tools for seniors. For details, call 925-778-1158 members and the community and this is one particular method that we use,” said Fridas. “Our whole operation is to be of service, and we serve the community. We would serve the whole nation if we could.” For more information regarding the East Bay Senior Coalition’s health and resource fairs, visit https://eastcountyse niors.org/events/. To learn about the Oakley Senior Center and their event schedule, call the front desk at (925) 626-7223. Fair from page 20B between lifetime intellectual enrichment and cognitive decline in the older popu lation. The study’s authors found that higher levels of late-life cognitive activ ity were associated with higher levels of cognition. The study’s authors concluded that lifetime intellectual enrichment might delay the onset of cognitive impairment. Retirees can look into adult learning pro grams at local colleges and universities to see if anything piques their interest. Sharp from page 8B
Caring for pets is beneficial for seniors
Feeling of purpose: Caring for an animal not only stimu lates physical activity, but it also can give seniors a reason to get up and go, which equates to a feeling of purpose.
Reduce pain: A 2012 study published in Pain Magazine found therapy dogs provided “significant reduction in pain and emotional distress for chronic pain patients.”
Altered focus:
Having a pet can help seniors focus on something other than physical or mental health issues and preoccupations about loss or aging, according to New York-based psychologist Penny B. Donnenfeld. Increased physical activity: Pets require care, and that interac tion can get seniors moving more than if they didn’t have a pet. Improved health: Ongoing research from Harvard Medical School has found dog owners have lower blood pressure, healthier cholesterol levels and lower risk of heart disease than those who don’t own a dog.
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Stick to routine: Caring for pets helps seniors main tain a routine. Having structure after retirement can be important to ward off risk of depression. Staying on top of feeding, grooming and other pet needs also can help prevent cognitive decline.
ets bring much joy to the lives they touch. So it should come as no surprise that the 2019-2020 National Pet Owners Survey which was conducted by the American Pet Products Association found that about 85 million families in the United States own a pet. In Canada, 7.5 million households are home to companion animals, states the PetBacker blog. Pets offer companionship and uncon ditional love. While they are fitting for any family, seniors may find that having a pet is especially beneficial. The organization A Place for Mom, which helps match fami lies with senior living residences, says pets provide a comfort system that produces measurable health results. Caring for pets and being around them can produce a chemical chain reaction in the brain that may help to lower stress hormones while also increasing production of the feelgood hormone serotonin. This is not the only health benefit pets may provide. A recent study from the Mayo Clinic, which looked at 1,800 people between the ages of 25 and 64 who had healthy hearts, found that almost half owned a dog. Having a dog was likely to spur heart-healthy behav iors, like exercising with the pet, eating well and having ideal blood sugar levels. Pets also provide emotional support and companionship that can help seniors - including those who may be divorced or widowed - feel more secure and happy. The National Poll on Healthy Aging found that, among respondents who had pets, 88 percent said their pets helped them enjoy life, and 86 percent said their pets made them feel loved. Seniors considering getting a pet can explore the many benefits to doing so.
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Anti-inflammatory foods: Foods rich in omega-3 fatty acids may help prevent inflammation that can cause cancer and rheumatoid arthritis. Aging.com says foods that are high in omega-3 fatty acids, like salmon, should be consumed at least twice per week.
A poor diet contributes to some diseases that can affect seniors, according to the World Health Organization.
Photo courtesy of Metro Creative
According to the World Health Organization, poor diet is a major contribu tor to many of the diseases that affect older people. Poor diet has been connect ed to the development of diabetes, and degenerative diseases such as osteoporosis also may be linked to the foods one eats.
♦ Digestive system-friendly foods: The digestive system slows down as the body ages, as the walls of the gastrointestinal tract thicken and digestive contractions that push waste along may slow down and become fewer. Foods rich in fiber can promote proper digestion by moving food through the digestive tract more easily. High-fiber foods also may help naturally reduce blood cholesterol levels.
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The National Council for Aging Care says micronutrient deficiency is often a problem among the aging due to factors like lack of variety in diet and reduced food intake.
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♦ Bone-friendly foods: Calcium-rich foods, such as milk, yogurt and cheese, can prevent calcium from being leached from the bones, which contributes to con ditions like osteoporosis.
ippocrates, the ancient scholar considered to be the father of modern medicine said, “Let food be thy medicine.”
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♦ Energy-boosters: Choose whole grains that can provide sustained energy by way of healthy carbohydrates over processed grains.
Eating a variety of foods can provide all of the nutrients people need to stay healthy as they get older. Certain foods may be particularly helpful.
Brain-friendly foods: Foods such as av ocado, leafy vegetables, sunflower seeds, blueberries, and salmon are good sources of vitamin E, antioxidants, omega-3 fatty acids, and other nutrients that may help ward off dementias like Alzheimer’s disease, according to Sonas Home Health Care.
For seniors with medicine cabinets full of over-the-counter and prescription medications, the idea of relying predomi nantly on food to promote optimal health may be tempting, and various foods can be particularly useful to those 50 and older.
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The saying relates to the notion that what people put in their bodies can heal and/or prevent certain conditions.
♦ High-iron foods: Without enough iron in the body, a person may feel tired and lethargic from a reduced production of hemoglobin, which carries oxygen in the blood from the lungs to the rest of the body. A lack of oxygen in body tissues from anemia can be serious, says the National Council for Aging Care. Tofu, spinach, lentils, pumpkin seeds, and fortified breads and cereals are high in iron.
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♦ Fruits and vegetables: Fresh, canned or frozen produce tend to be high in micronutrients, including a variety of important vitamins that are essential for all components of health. The Academy of Nutrition and Dietetics advises eating dark green vegetables, such as leafy greens or broccoli, and orange vegetables, such as carrots and sweet potatoes.
A Division of American Pacific Mortgage Corporation NMLS 1850 Your Retirement Dreams Can Come True! Branch Manager and Reverse Mortgage Specialist The Reverse Mortgage Group • A Division of American Pacific Mortgage Corp. Office: 925-969-0380 Cell: Beth@YourReverse.com925-381-8264 3478 Buskirk Ave., Ste. 1000 Pleasant Hill, CA 94523 – Advertorial Let’s take a look and see if we can Make Your Retirement Dreams Come True. BethNMLS:Miller-Rowe294774
Beth Miller-Rowe has been in the mortgage industry for 38 years specializing in reverse mortgages for the past 12 years. Beth has degrees in economics and business administration.
Rates go up and Rates go down Y es, we have seen a dramatic increase in rates in the last 7 months. People ask me “how much have they really changed?” Well, it all started around the end of January and since then they are up around 3.5%. People say, “Oh my gosh, what should we do?” and I say the same thing I have said for 40 years… rates go up and rates go down. What we want to focus on are our goals. Why are we even looking at interest rates? Are you thinking about refinancing? Are you thinking about purchasing a new home? Are you going to buy a car? Or do you just hear all the ruckus on the news constantly and wonder what’s up? Yes, interest rates do affect the economy in general but if you are not planning a big purchase or a refinance of your home, it does not impact you directly. It doesn’t feel so personal. What about inflation? Now inflation on the other hand does impact each and every one of us directly, and indirectly. It is personal! Right now, as a matter of fact, it is wreaking havoc on everyone. I spent $200 at the grocery store and came home with 3 bags and a case of water, and I even bought the off brand of water. And then my husband took my car down to fill it up for the week and by the time he filled my car and his car, we had to take out a second mortgage.Allkidding aside, the perfect storm that we are dealing with right now is really hard to balance and even more so for many of my clients who are living on a fixed income. When everything keeps going up except their paycheck, they have to look at where they can cut costs. Cut cable, no more Friday lunches, get a cheaper phone plan… yes, these help but it is really pennies on the dollar.. If there are just no more costs that can be cut, another option is to liquidate assets. That may be stocks, bonds, IRAs, 401K, or even home equity. As for stocks, and any assets that is invested in the markets, right now is the worst time to liquidate unless you want to lock in losses. If you own something that is definitely a loss and is never coming back, you might as well sell, then come April 15th, you get a little gift from the IRS. As for accessing your equity, intuitively, it may seem like a bad time due to increased interest rates. That can be true depending on your other options. Or it may be that accessing your equity is still cheaper money than, say cash advances, or personal loans.There are many ways to access your equity. They may include a HELOC (Home Equity Line of Credit), a second mortgage, or a cash out refinance. Each of these come with an additional mortgage payment. I don’t know about you but the last thing I need is another payment to make through the month that is alreadyManytight.banks are holding back on doing HELOCs right now because property values are unstable.
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For example, if you have a spouse who is under 55, or both of you are between 55 and 62, there are particular programs available to you. Or if you have a condo that is not FHA approved, or a singlefamily home with an illegal ADU, or a ranch that is 20 acres, there are particular programs that are available to you. Or perhaps you are dealing with a sibling that is on title from an inheritance and wants to stay on title, or convoluted trust issues that need to be parsed out. There are any number of quirks that need to be addressed, and it takes a reverse mortgage specialist to help you to navigate the process, and programs, and to help you determine if it is a good fit. Let’s chat. An educated decision is a good decision. We will review how the programs work, the rates and the costs. We will talk through which programs(s) we feel might work best to meet your goals. Then we leave it to you to determine if a reverse mortgage is right for you. We will be here if you want to talk but we won’t call you every day telling you that if you don’t sign right away you will lose your opportunity. We don’t believe in that kind of pressure. We respect you and your time. You decide when, and if, a reverse mortgage is right for you.Today’s reverse mortgage is nothing like your grandmother’s reverse mortgage.
*Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency. **American Pacific Mortgage Corporation is not financial service company or licensed tax advisors; the material provided is for informational and educational purposes only and should not be construed as investment, tax and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. We are not financial or tax advisors, please contact your financial professional for your personal financial situation. 00950759/01215943 • NMLS: 294774/831612/1850 the Dept of Business Oversight under the California Residential Mortgage Lending Act
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Traditional HELOCs can be frozen, reduced, or closed down the roadway based on the estimated value of your home. With values being a little wobbly, some of the big banks have pulled out of the HELOC market altogether. Credit Unions and other smaller, community banks are still offering the HELOCs, with the caveat that they can be frozen, reduced, or closed at their sole discretion. If we continue to see credit tightening, and inflation running out of control, along with softening property values, we may run out of options for equitySo,access.selling stock or withdrawing from IRA/401K don’t sound appealing. A second mortgage of some sort just adds to the cash flow problem. HELOCs may not be available at all, or if they are, they can be closed at the whim of your banker. What is available to help provide additional cash flow that also provides some security? Are you 55 years of age or older? Do you own your home? Even with a mortgage on it, that is okay. Do you have significant equity in your home? You may qualify for a reverse mortgage. Don’t get scared. A simple education on Today’s Reverse Mortgage will show you that, with changes that took place after the 2008 economic debacle, reverse mortgages have more consumer protections built into them than just about any other type of homeYouloan.can never be sued for any deficit if you end up owing more on your home than it is worth, nor will you receive a 1099 if you choose to turn in the keys.Your heirs and your estate are not responsible for anyThedeficit.oddsof ending up upside down have been greatly reduced with the reduction of the percentage of the value you can borrow. This allows you access to some of your equity today and protects you in the event you need your equity later in life, either to borrow against for in-home care, or to access through a sale to accommodate a different type of livingTheseenvironment.arejustsome of the consumer protections that are in place to make sure that you, as a protected class, are protected from unscrupulous loan originators, and inappropriate loan products. We currently offer both FHA Home Equity Conversion Mortgages and Jumbo/Proprietary reverse mortgages. It might seem obvious which program would be best for which borrower but in actuality, each has their own nuances. It is super important that you work with a licensed specialist to make sure that all stones are overturned to ensure you end up with all the information that is important for you to make an educated decision.
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