Boomers & Beyond by Campbell River Mirror

CAMPBELL RIVER

Photo by Michelle Hueller

BOOMERS & Beyond

Campbell River residents, Monique & Harry Games and Patricia Orr & Ray Allan

CAMPBELL RIVER MIRROR Live for the Moment

knowing youâ&#x20AC;&#x2122;re prepared for tomorrow.

Talk to us today about retirement income strategies, estate planning and portfolio design products to keep you and your family protected, no matter what tomorrow brings. Providing Financial Planning Services to Campbell River Seniors Since 1997.

Peter Garat CFP, CLU Certified Financial Planner

Garat Financial Suite F-850 12th Ave Campbell River

250-287-2310

info@garatfinancial.com

CAMPBELL RIVER

BOOMERS & Beyond

RECREATION Campbell River

Seniors Centre

Making a positive difference in the lives of the senior citizens of Campbell River and area by providing a facility in which they can socialize daily on a self-governing basis.

What is a Seniors’ Centre? A seniors’ centre is a multicultural, proactive resource centre that can address seniors’ issues and concerns in order to meet the social, recreational, nutritional, and informational needs of its members. It provides a location where seniors can gather at a time and place of their choosing.

Our Goals: • To operate and maintain a safe, welcoming, and attractive multipurpose facility • To build a sense of ownership whereby members and volunteers share responsibility for the life of the Centre and for each other’s welfare • To enable personal fulfillment through meaningful volunteer opportunities • To provide high quality nutritious food at the lowest possible cost • To provide programs which address wellness, recreational, educational and social needs

• To play a leading role in providing information and referral services • To explore new initiatives to serve our members • To network and develop partnership possibilities with other seniors’ organizations Check out www.crseniors.com for a complete list of current and future events or call 250-9144401 for more information.

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Prescriptions filled.

Peace of mind included.

We can help you with Wills and Power of Attorney. A Will determines how your assets are distributed after your death.

Power of attorney designates someone else to manage your aﬀairs in the event of incapacity.

Gurdeep Sidhu , CGA N o t a r y

P u b l i c

#101, 160-10th Avenue

250-287-3445

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We go the extra mile to ensure you receive the friendly service, low prices and pharmacy expertise you deserve.

Pharmacy Hours

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Refill your prescriptions by phone or online anytime.

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Carpet & Upholstery Care Ultrasonic Blind Cleaning at Home Support Services

• Commercial & Residential Cleaning • Carpet & Upholstery Cleaning • Campbell River’s ONLY Ultrasonic Blind Cleaning Venetian and Vertical, Metal or Fabric • Specializing in Area Rugs (Wool & Synthetics) • Spot Cleaning • Environmentally Safe Products • Van Mounted - Hot Water Extraction Cleaning • IICRC Trained for 27 Years • No Charge Estimates • Friendly Positive Attitude

Michael Airton Owner/Operator

“Cleaning for your Health”

Ph: 250.923.1222 Cell: 250.830.7233 236 Fawn Road, Campbell River

CAMPBELL RIVER

BOOMERS & Beyond

HEALTH

The optimal

Physical Check-up for seniors by Dr. Ingrid Pincott, N.D.

re you getting the complete yearly check up that you need to obtain optimal health? Are you doing enough to stay out of the hospital? Do you want to reduce the number of medications you are taking? A yearly check up for those 55 and older should include blood work such as 25(OH) vitamin D, CRP (C –reactive protein) an infl ammatory marker and ferritin (iron stores). If vitamin D levels are not optimal at 150nmol/l then there is a possible increase risk of many cancers, high blood pressure, osteoporosis, depression and poor energy. The list goes on! CRP is a measure of infl ammation and if your body is infl amed then the source needs to be identifi ed. Lowering CRP lowers the risk of all the diseases of aging including cancer, heart disease and dementia. Ferritin often increases with age and it is also an infl ammatory marker and keeping it between 50- 120 is best. A comprehensive cardiovascular blood work-up done with Atherotech gives people their risk factors for insulin resistance leading to

diabetes and heart disease as well as cardiovascular risk for heart attacks and strokes. This testing measures actual levels and sizes of HDL and LDL cholesterol lipoproteins. Typical lipid panels are calculations of cholesterols rather than actual numbers counted and sizes of the cholesterols are not measured in Canada. Once your risk has been identifi ed then a treatment program is instituted and monitored until the risk is lowered and maintained. Nutritional defi ciencies are common as the digestive ability to absorb nutrients declines with age. B12, vitamin D and minerals are the most common. For example alcohol depletes B vitamins especially B12. I fi nd that many neurological symptoms including dizziness and cognitive decline, as well as fatigue and bursitis of the hips and shoulders, respond well to B12 injections. Many physicians will not give B12 injections unless the blood work shows a defi ciency. In my practice I base B12 injections therapy on symptoms and response and this water soluble B vitamin is

well tolerated at high doses and long term therapy. Most seniors are low in Vitamin D and minerals and when these are restored many symptoms improve: insomnia, energy, joint pain, depression and blood pressure. Magnesium is a must in any mineral supplement and is the most important mineral for the treatment of heart arrthymias. Identifying food sensitivities can help many with their aches and pains as well as help with weight loss and controlling blood sugars. If you are taking a non-steroidal anti-inﬂ ammatory for pain, all you are doing is cutting the wires to the fi re alarm, you are not getting to the cause of the pain. Natural anti-inﬂ ammatories and joint health remedies work very well at lowering CRP, reducing the need for yet another medication. Osteopenia and osteoporosis often respond well to naturopathic treatment without the use of prescription medication. Hormone balancing for both men and women is important at any age and can be done with neutraceuticals as well as bioidentical

hormones. Specialized testing helps provide the help that is needed. There is help for recurrent urinary tract infections and enlarged prostates! Mental health issues may often be related to defi ciencies and when corrected, and combined with the use of other remedies that balance neurotransmitters in the brain, another prescription for antidepressants may be avoided. The goal of the comprehensive naturopathic check up is to keep you out of the hospital as much as is possible. Having a strong foundation for health is true health insurance! Check out www.projectbiglife.ca for expected number of days you might spend in the hospital based on your life style. See www.DrPincott.com for 15 years of past published articles on many different health conditions. Are you ready for a change? Try Naturopathic Medicine. Dr. Ingrid Pincott N.D. Contact for further information 250-286-3655 or 1-800-898-6699

Retirement Planning SPECIALIZING IN RETIREMENT INCOME

Whether your setting up your first RSP or at the age of 71 you are converting your RSP to a RIF, It is never too late to think about your retirement.

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• Estateto Planning • Insurance* • Stocks Bonds • Mutual Funds We have the expertise help you choose the right •investment options. • RRSPs • RRIFs • TFSAs • Segregated Funds* For additional information please contact:

Andy Leitch

Brian Shaw

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• • • •

Do you want to be the healthiest that you have ever been in your life? Do you want to keep traveling and yet keep your travel insurance low? Do you want to get off some of your prescription medication? Do you want to prevent osteoporosis, cancer, heart disease and strokes, diabetes and dementia?

At our clinic we offer specialized naturopathic assessments and testing to assess your body’s healing ability and then provide you with a care plan to help keep you vital and strong for as long as possible. We are committed to providing Outstanding Naturopathic medical care No Exceptions!

Dr. Pincott, ND

Suite 300 Chateau Building 1170 Shoppers Row, Campbell River 250-286-3655 | 1-800-898-6699 INC.

www.drpincott.com

250-287-7147 1270 Dogwood Street Serving Campbell River and Area Since 1937

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CAMPBELL RIVER

BOOMERS & Beyond

EDUCATION

Exercise your brain at the

ElderCollege

re you looking to learn something new? Challenge yourself! Join ElderCollege and exercise your brain. ElderCollege (often called Third Age Learning) is an organization found across Canada, and is designed for mature students who

are looking for a unique community of adult learners. There are no exams, no grades, and no pressure, and is for adults 55 and older. Campbell River’s ElderCollege runs its classes at North Island College and offers many choices in learning without the pressure of

homework or tests. Starting in September ElderCollege is offering a variety of courses to suit almost everyone. Most courses are held once a week for an hour and a half for four to six weeks with some options on shorter workshops and the ability

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1324 Island Hwy., Campbell River • 778-336-9401

to attend some free events as well.

COMING THIS FALL: Arts, Crafts, and Culture 1. Beyond Watercolour Basics 2. Four Joints You Can’t Live Without (wood joinery) 3. Introduction to Calligraphy 4. Introduction to Spanish Language and Culture 5. Life in Poetry (Studying styles and writing your own) 6. Random Weave Seaweed Angels and Baskets 7. When I’m 64 (Opportunities for Older Persons in Theatre) 8. Zentangle (Meditation through Doodle Art) Computer Classes 1. Computer Basics 2. Considering the iPad 3. Introduction to the iPad 4. Microsoft Excel for Beginners World Knowledge 1. 1066 and Some of That 2. Canadian Prime Ministers 3. Current Events Discussion Group 4. Fundamentals of Air Pollution 5. Introduction to Canadian Law

6. Introduction to Weather and Weather Forecasting 7. Travelogues and Armchair Adventures 8. Third Annual Campbell River ElderCollege Spelling Bee

Take Better Care of Yourself 1. Advanced Care Planning (Health Care Decisions) 2. Age-ing to Sage-ing – Continued (Book study) 3. Basic Fire Safety 4. Estate Planning 5. Five Minute Mind Body Fitness 6. Fixing What’s Ailing You 7. Insurance 101 8. Introduction to Chan Meditation 9. Mature Drivers Workshop 10. User Friendly Meditation: A Tool for Living Fully

11. What Does Anti-Aging Mean to Seniors?

Fun Classes 1. Doo Wop Music – The Life and Times 2. Social dance Registration begins on Monday, September 15 with courses beginning in the following week. To enroll in classes or workshops you must fi rst become a member of ElderCollege. The membership fee of $10 (+ GST) is paid once per academic year (from September to August) and is open to any person over fi fty years of age. Fees for courses vary from $6 to $50. This year Campbell River ElderCollege is celebrating its 10th anniversary. Join them in celebrating at North Island College on Friday, September 12th. Meet the instructors and come with questions about the courses. Isobel MacKenzie, Seniors Advocate for British Columbia, will be guest speaker for the event. Visit www.nic.bc.ca/ eldercollege in September for more information and watch for our newsletter.

1353 16th Ave Campbell River

CAMPBELL RIVER

BOOMERS & Beyond

EXERCISE

Keeping active as we age

here are a few things that seem to become really important as we become older adults - wanting to keep active without straining and injuring ourselves, keeping fl exible, maintaining good bone density & having an alert mind that is not buzzing in a stressful way. “Chitta Vritti Nirodhh” is a Yoga saying which can be translated as “the cessation of the fl uctuations of the mind.” Where the restless mind is calmed and the feeling of distracting energy is directed into constructive thought or movement. This is one of the greatest benefi ts that a regular Yoga practice gives you… but can you begin Yoga when you are over 50? The great news is YES! You have probably read the statistics - Yoga not only creates a stronger, more fl exible body; it also sharpens the senses, the mind and vastly increases your aerobic capacity. First, visit your doctor and inform them that you are going to begin attending Yoga. Ask them to recommend what information your Yoga teacher should know about you. Find yourself either a Beginner or Gentle Yoga class and let the teacher know that you are attending for the fi rst time, as well as any health concerns. If you have kept a physically active lifestyle Yoga may come easily to you and

the teacher may direct you to other styles of classes that may interest and challenge you. There are 5 benefi ts of a regular Yoga practice: Low-impact Exercise and Awareness In a Yoga class, you use the weight of your own body to create the dynamic poses (asanas). By bearing weight and consciously distributing it creates strength. By paying attention to your posture, you will begin to correct any bad habits you may have. Yoga includes many balancing poses which not only strengthen your body, sharpen your concentration, but also stimulate your neurons that send information to your ankles, feet and toes, which therefore become more healthy, making you less susceptible to falls. As you begin to truly feel the vibrancy of your own body, your lifestyle will naturally become healthier.

Flexibility and Bone Density “Your body is as young as your spine” says Iyengar. When ﬂ exibility is encouraged gently in the body, it is amazing how quickly the body responds. Regular Yoga increases circulation to all soft tissue in the body, resulting in an improved range of motion. You will soon choose to do certain poses at home to enjoy the sensation of your body unwinding itself. Doctor Loren Fishman, author of “Yoga for Osteoporosis” says “Yoga pits one muscle group against another to generate forces far greater than gravity. Yoga is isometric exercise.

by Lorna Seldon Burd, Ocean Mountain Yoga

It is also weight bearing. Both of these types of activity have been proven to improve bone strength. Unlike most forms of “weightbearing” activity, Yoga does not damage cartilage or lead to osteoarthritis, another peril of aging. Yoga stretches the muscles, increasing the range of motion that osteoarthritis otherwise inexorably narrows. By improving range of motion, Yoga counters the chief and sometimes terrible impairment that comes with osteoarthritis.” Breathing and Blood Pressure Yoga means “Union of breath, body & mind” so all Yoga poses are done with a focus on how you breath as well as how you maintain a correct physical pose. This practice of breath work (Pranayama) has far reaching benefi ts from calming the mind to enhancing your respiratory function. There are breath exercises to heat you up and cool

you down. Some work on digestion, improving bowel function. Breath techniques are wonderful tools to improve your quality of sleep as well as lower your blood pressure.

Improved Memory and Mood The combination of physical poses (asana) with breath work (pranayama) stimulate the nervous system and the brain, improving memory as well as relieving anxiety. Simply attending a class, can change how you feel. Every pose has it’s benefi ts, backward bending poses are known to help “lift one’s spirits”. Forward bends are calming. You might be surprised that after a few weeks some of your aches and pains disappear, that you no longer need some of your pain medications and that life seems to have taken on a rosy hue.

Sense of Humour The best part about going to a Yoga class is that you get to have fun. One of the fi rst steps of Yoga is to let go of your ego. Have no expectations of what your body will be able to do on any day. This way you will be surprised, and will enjoy the challenges with humour. Know that your Yoga practice is a deeply personal journey and be grateful for your health, as it is, every day. Namaste.

CAMPBELL RIVER

BOOMERS & Beyond

FINANCE

Learning to Live on a

or many seniors fearful of fi nancial struggles, living on a fi xed income can be a helpful way of ensuring their future does not involve fi ling for bankruptcy. Though living on a fi xed income is a defi nite challenge and certainly offers no guarantee that bankruptcy can be avoided, it does provide a framework seniors can rely on to keep their heads above water during diffi cult economic times.

Fixed Income just how much you can spend each month.

Prioritize spending habits. Some expenses, including medications and monthly utility bills, will always remain a top priority. However, men and women who must begin living on a fi xed income need to prioritize how they spend their discretionary funds. For instance, a membership at the local country club can cost several thousands of dollars per year, whereas the local public golf course only charges players Make an honest assessment. each time they play. While the country club Living on a fi xed income involves being honest with yourself and admitting what your might have a better course, it could be more prudent to choose resources truly are. Write the public course and down any sources of save the cost of a private income, including Social “Difficult financial membership instead. Security payments, times have forced pension payouts, many people young Find it for free. investments, etc. Then and old to alter their Men and women pay for write down how much lifestyles in order to many services each month money you have in stay afloat financially. that they could very well savings or print out a Though unemployment fi nd for free. For example, statement of all savings has garnered most of in addition to books, accounts. many local libraries now Once you have an the headlines as the allow members to check accurate fi gure of both economy has struggled out CDs and DVDs at no income and savings, the last several years, cost. The same also goes write down all your it’s not just men and for magazines. Instead monthly expenses, women of working age of paying a monthly including all expenses, who have felt subscription cost, visit the no matter how minute the pinch.” local library and read the they may seem. From magazines there for free. here you can determine

If the local library does not have your favorite periodical, the content could very well be available for free online. Expect the unexpected. One of the worst things that can happen to a person on a fi xed income is to encounter an unexpected cost. This can include an unforeseen hospital visit, a costly auto repair or even inﬂ ation that wasn’t factored into your initial fi xed income budget. Men and women on fi xed incomes should expect such emergencies and save accordingly each month. Saving money should never go out of style, and those on fi xed incomes should still attempt to save money each month. Coming in under budget and making the most of it can make the difference between capably handling an emergency or being forced to consider unattractive alternatives such as fi ling for bankruptcy.

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CAMPBELL RIVER

BOOMERS & Beyond

ASSISTANCE

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Downsizing and moving from a long time home.

ownsizing and leaving a long time family home is a special passage in life and deserves time to look back, caring attention, and practical support. It is estimated that it takes a minimum of 80 combined hours to completely sort and pack an average home. This is a enormous task. Sorting through a lifetime of accumulation can be done! Delaney Relocation Services has helped many families and guided them through the process and help them gain meaning and comfort from sorting through family treasures. Imagine the array of accumulated things, furniture, silver ware, china, linens, glassware, pottery, artwork,

old photos, children’s toys, post cards, stamp collections, books, sewing items, craft items, tools and much more. Letting go of things that have been lived with for a long time is hard, but joy can be found in giving to family and friends who will cherish them. Moving is a great time for personal growth and healing, when a person settles into their new home, they can have a sense of satisfaction about the past and hope for the future. Reminiscing is a combination of a little grief and a lot of celebration. Remember you do not have to go it alone, help is at hand by calling Delaney Relocation Services at 250-334-9922.

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CAMPBELL RIVER

BOOMERS & Beyond

SAFETY

8 to take care of themselves or manage their own fi nances. These factors make seniors especially attractive and vulnerable to con artists, particularly those who prey on well-intentioned men and women by posing as fake charities. But there are steps seniors can take to protect themselves from fraud. Be skeptical of solicitors. Many con artists will indicate that persons have given to the charity in the past, hoping that prospective victims simply won’t remember if that claim is valid or not. If a solicitor or appeal letter claims that you donated in the past, don’t simply take it at face value, especially

Precautions seniors can take when solicited for donations

harities often target certain groups of people when soliciting donations. Those groups may include past donors and people who have recently attended charitable fundraisers. It should come as no surprise that criminals posing as legitimate organizations tend to target specifi c groups of people as well. Anyone can be fooled

by a fraudulent charity, but such criminals tend to target seniors more than others. Seniors often make attractive targets to con artists because seniors are most likely to have substantial savings, own their homes and/or have excellent credit. In addition, elderly victims of fraud and other crimes are less likely to report those crimes out of fear that their families may feel they are no longer able

As we move through life our needs change.

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if you don’t recall making such a donation. Get specifi c information about alleged past donations, checking that information against your own bank records and receipts. Many donors claim donations as deductions on their tax returns, which also can be used to verify or debunk solicitors’ claims. Though not all solicitors claiming a past history of donations are dishonest, this is one way that criminals attempt to create a rapport with potential victims, so such claims should be verifi ed before making any donations. Don’t feel obligated to reciprocate a gift with a donation. Many charities send gifts, be it mailing labels or holiday cards, to prospective donors as a token of appreciation for past donations and as a way of encouraging future donations. Con artists are fully aware of this tactic and may try to imitate it in an attempt to defraud potential victims. No matter if the people behind those mailing labels or holiday ornaments are legitimate charities or con artists, you should not feel compelled to reciprocate a free gift with a fi nancial donation. Beware of solicitors pressuring you to donate. Reputable charities should

not be on the verge of shut down if you fail to make a donation, so such organizations never pressure prospective donors into making donations. If a solicitor is pressuring you into making a donation over the phone or in person, chances are strong that this person is not representing a reputable charity. In such instances, hang up the phone or, if the solicitor is on your property, politely close the door, ask the solicitor to leave your property and contact the local authorities. Send donations directly to the charity after independently conﬁrming their address. When making charitable donations, those donations should never be given directly to solicitors. Donations should only be made after you have independently confi rmed the charity’s address and mailed straight to the organization. Never make a cash donation, as cash provides no paper trail should you want to deduct your donation or should you learn that you were victimized by a con artist posing as a representative of

a reputable charity. Request personal information not be shared. Upon receiving a charitable donation, many charities share their donors’ contact information with other charities. Such actions are legal as long as no sensitive information is shared. But many donors would prefer their contact information not be shared so they don’t fi nd themselves being inundated with solicitations from other charities. Donors can ask to opt out of having their personal information shared upon making a donation. This is especially important for seniors living on fi xed incomes who simply cannot afford to support many causes no matter how compelling those causes are.

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CAMPBELL RIVER

BOOMERS & Beyond

HEALTH

Exercise and aging Common concerns about exercise after 50

xercise is an essential element of a healthy lifestyle. Including exercise in your daily routine can lower your risk for diabetes, heart disease and stroke, and exercise can even sharpen mental acuity, reduce anxiety and improve mood. But as benefi cial as exercise can be, many men and women, particularly men and women over the age of 50, who have not laced up their sneakers in years are hesitant to begin an exercise regimen for a variety of reasons, potentially putting their long-term health at risk. Regardless of a person’s age, beginning a new exercise regimen can be intimidating. But it’s especially so for men and women over the age of 50, who might not know where to begin or how to approach adopting a healthier lifestyle. According to the National Institute on Aging, the following are a few points men and women should know as they attempt to improve their physical fi tness with a more active lifestyle. • Exercise is safe even

if you have not been physically active in a long time. Many older men and women worry that suddenly embracing physical fi tness after years of inactivity may be detrimental to their health. But that’s only true if men and women don’t exercise caution at the outset of their routines. When beginning the routine, take things very slowly at fi rst, choosing to walk or bike every day rather than hitting the treadmill and adjusting it to maximum resistance. When strength training, start off with very little weight so your muscles can grow acclimated to the motions and you can get the exercises down pat. As you grow more comfortable and your body starts to feel more up to the challenges of daily exercise, you can begin to gradually alter your cardiovascular and strength training workouts to make them more challenging. • Exercise can make existing medical conditions more manageable. Men and women over the age of 50 who have preexisting

medical conditions are likely to fi nd that exercise alleviates rather than exacerbates their physical problems. Studies have shown that regular exercise and physical activity can benefi t people with arthritis, high blood pressure and heart disease. But it’s still recommended that men and women with preexisting medical conditions consult with their physicians before making any lifestyle changes. Some conditions may affect a person’s ability to be active, and it’s best to get the go-ahead from a physician before beginning an exercise regimen. Doctors may even suggest certain activities that have been known to alleviate particular conditions. • Exercise reduces fatigue, so sitting around to preserve strength is not effective. Exercise improves strength and energy levels, so sitting on the sideline to preserve your strength is counterproductive and could lead to serious medical problems. Men and women who are inactive are almost twice as likely to develop heart disease as those who are more active. While getting adequate rest and giving your body ample time recover from physical activity is essential, your body won’t benefi t by avoiding exercise to preserve your strength. However, even moderate physical activity performed on a regular basis can reduce fatigue. • No one is too old to exercise. It’s not

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uncommon for men and women in their golden years to think they are too old to exercise. Some may feel that their toned down workouts cannot possibly be making much of an impact thanks to the physical limitations old age has put on their bodies, while others may think it’s unwise for someone in their 70s or 80s to be physically active. But no one is too old to exercise, as exercise helps the body stay strong and fi t even when you can no longer max out on the bench press or squat hundreds of pounds. Scaling back your exercise routine will be

necessary as you get older, but that does not mean you cannot

still enjoy and benefi t from physical activity. Continuing to exercise as you age is a great way to improve your quality of life and stay as active as possible well into your golden years.

Let me help you find everything YOU WANT in a home… For proven marketing knowledge & results and 1st class service call

BRUCE CARRUTHERS 250-287-0151 Senior Real Estate Specialist®

~ Proudly serving Campbell River Since 1984 ~

250-286-1187

Check Realty 950 Island Hwy.

brucec@remax-campbellriver.bc.ca

Please join us for our

OPEN HOUSE to celebrate the launch of

Campbell River Better at Home Wednesday, June 25th 3:00 pm – 5:00 pm Light refreshments will be served. Campbell River Family Services Society 487–10th Avenue (at Cedar Street) 250-287-2421 Campbell River Better at Home provides some basic non-medical home support services, currently friendly visiting and transportation assistance, to help eligible seniors/elders ages 65 and older be able to continue living in their own homes longer and stay connected in the community. The program is funded by the Government of BC, administered across the province by United Way of Lower Mainland, and provided locally as a partnership between Campbell River Family Services Society and Volunteer Campbell River. For more information about the program, visit www.betterathome.ca.

CAMPBELL RIVER

BOOMERS & Beyond

FINANCE

Managing money after 50

nvestors know that money management can be diffi cult. The ebb and ﬂ ow of the economy can be similar to a roller coaster, with soaring highs followed by steep drops, and those changes all affect investors’ bottom lines. It’s no wonder then that many investors over 50 envision the day when they can get off that

roller coaster and simply enjoy their money without having to worry about the everyday ups and downs of the market. But managing money after 50 is about more than just reducing risk. Reducing risk as retirement draws near is a sound fi nancial strategy that can safeguard men and women over 50 from the ﬂ uctuations of

the market That’s true whether investors put their money in stocks, real estate or other areas that were not immune to the ups and downs of the economy. But there are additional steps men and women can take after they turn 50 to ensure their golden years are as enjoyable and fi nancially sound as possible. • Prioritize saving for

ABOVE & BEYOND TREE SERVICE

retirement. Men and women over 50 know that retirement is right around the corner. Despite that, many people over 50 still have not prioritized saving for retirement. It’s understandable that other obligations, be it paying kids’ college tuition or offering fi nancial assistance to aging parents, may seem more immediate, but men and women over 50 should recognize that their time to save for retirement is rapidly dwindling. Just because you are retired does not mean your bills will magically disappear. In fact, some of those bills, such as the cost of

medical care, are likely to increase. So now is the time to make retirement a priority if you have not already done so. It might be nice to fi nance a child’s college education, but that should not be done at the expense of your retirement nest egg. Kids have a lifetime ahead of them to repay college loans, while adults over 50 do not have that much time to save for retirement. • Start making decisions. People retire at different times in their lives. Some people want to keep working as long as they are physically and

mentally capable of doing so, while others want to reap what their lifetime of hard work has sewn and retire early. Finances will likely play a strong role in when you can comfortably retire, so start making decisions about your long-term future. Do you intend to stay in your current home or downsize to a smaller home? Will you stay in your current area or move elsewhere? These decisions require a careful examination of your fi nances, and many will hinge on how well you have managed your money in the past and how well you manage it in the years ahead.

Photoﬁnishing | Cameras & Accessories | Photo Gifts

▲ Complete Tree Care ▲ Stump Grinding ▲ Mini Excavator ▲ 2 60’ Bucket Trucks

Photography makes a great hobby! Ask us about Tutoring for your camera.

▲ 2 Chip Trucks & 2 Diesel Chippers ▲ Insured & Licensed ▲ Free Quotes ▲ I.S.A. Certified Arborists ▲ Locally Owned & Operated

Chad 250-703-0371 or 250-897-5254 www.aboveandbeyondtreeservice.ca

Campbell River’s Imaging Adventure Store...Since 1984.

110-1260 Shoppers Row

Let us help you MAKE LIFE EASIER! Rivercity Mobility has a full range of mobility devices, electric scooters, power chairs, lifts, ramps and accessories. At Rivercity Mobility we focus on helping our customers experience freedom and adventure, safely and in comfort.

Sales and service for all your mobility needs. Located in the Campbell River Common Mall 1454 Ironwood St.

778-346-1073

Open Monday – Friday 9:30-5pm

250-286-1233

CAMPBELL RIVER

BOOMERS & Beyond

TRAVEL

Explore your own backyard!

Marine Link Tours Freight Boat Cruise Vacations on the “MV Aurora Explorer”

ruise the inland waterways of coastal British Columbia and experience the magic of the MV Aurora Explorer, a 135 foot landing craft that transports a wide variety of heavy equipment and general freight throughout the Gulf of Georgia and the remote inlets of Johnstone and Queen Charlotte Straits. You will enjoy rugged coastal scenery, observe many species of whales and other sea life, and experience the history and inﬂuence of the early explorers, settlers, cannery workers and native populations on the coast. You’ll listen as the crew works the radio telephones or navigates the ship by radar and watch as freight is loaded and discharged along the way. The Aurora Explorer operates from a base

“A One of a Kind Journey into the Pacific Northwest’s Inside Passage” at Menzies Bay (15 km north of Campbell River, BC, Canada), and offers a dining lounge, lower deck lounge and bridge deck lounge for passenger comfort and viewing. There is a nautical and history library of coastal BC on board. The vessel has outside observation decks where passengers can observe activity on the freight deck, enjoy the passing scenery or simply lie back and soak up the sunshine and salt air. The Aurora Explorer is Transport Canada Ship Safety approved

and carries the full range of safety equipment as directed by the Canadian Coast Guard. Passenger accommodations received an upgrade during the winter 2012/13 and now offers one bunk-bed style stateroom and ﬁve twin bed style staterooms. There are six shared washrooms, three shower rooms. Passenger accommodation is offered on regular freight voyages to a variety of coastal locations. Trip packages are ﬁve days in duration. Passengers enjoy observing the ship at work, but there’s also time

for play. Going ashore for a picnic or exploring tide pools in a hidden bay, throwing in a line when the vessel is waiting on the tide and barbeques on the deck are all part of the pleasures of freight-boat cruising on the Aurora Explorer. The Georgia Straits of coastal British Columbia, Canada are dotted with hundreds of islands. This is lumber and ﬁshing country, nearly free of roads. One cargo ship delivers heavy equipment and supplies to remote camps, and takes on passengers to view the wild beauty of the straits

and inlets, with towering peaks and glaciers overlooking the sea. www.marinelinktours.com 250-286-3347

We Have The Power to M ake C o m & m l a i e t r n c e d i i a s Thing e l 24 R h ou s Better r Em We Have The Power to M ! a ke e

Residential & Commercial 24 h ou

Thing

s Better r Em ! ergen c y S er v ice

50+ rgency

Service

Active Living Programs

M E S H

OUR EXPERTISE Healthy activities for daily life. • High Tech Troubleshooting • Lighting - Fixtures - Fans - Ballasts Check out the • New Outlets - Circuits - Data Lines 50+ Active Living Bulletin Mr. Electric • Panel Upgrades Code Corrections Safety Hero available on theServing last C • Clean, Courteous Service Professionals • Security - Landscape Lighting Tuesday of each month. & Surroundi Parks & Recreation Serving Campbell River & Surrounding Areas • Surge Protection - Generators 250.830.1003 • Hot Tubs - Spas email: info@mrelectricvi.ca

www.electrical-safey.org www.electrical-safety.org

www.mrelectric.com

Independently Owned & Operated/Licensed & Insured

250.338.8

Email: info@mrelec

Community Centre 250-286-1161 Sportsplex 250-923-7911 www.

mrelectr

CAMPBELL RIVER

BOOMERS & Beyond

HEALTH

Decompression & Laser Therapy Center • • • •

Herniated, Protruded or Degenerative Disc? Bursitis, Tendonitis, Arthritis, Plantar Fasciitis? Acute or Chronic Back and Neck Pain? Sciatica, Nerve Pain, Headaches?

Chiropractic Care • Sports Injuries • Automobile Accidents ICBC • Workers’ Compensation WCB • Veterans Affairs – Blue Cross Custom Foot Orthotics • Exer-Rest Therapy • Laser & Ultra Sound Therapy • Thermal Shiatsu Massage Bed Strength Based Coaching/Development • Relationship Coaching • Workshops - Anxiety, Depression, Anger

Jonathan Buchanan MA Counselling Psychology jonathan.buchanan@mail.com 250-465-8028

Results may vary.

We can help.

Dr. Janis Guthy

Family Chiropractor

www.DecompressionLaserCenter.com 250-287-3113 decompression.laser@gmail.com 103-250 Dogwood Street, Campbell River, BC V9W 2X9