PrimeTime Spring APRIL 2015
Popular sports for seniors
Age doesn’t have to stop older men and women from enjoying their favorite sports.
Recommended immunizations for those age 50+ Routine immunizations can keep people safe and healthy.
How to eat after 50
As people age, their dietary needs begin to change.
And more...
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 2
$1,500 Welcome Home Package DEPOSIT MUST BE RECEIVED BY APRIL 15, 2015 SEE COMMUNITY FOR DETAILS.
We guarantee quality care with peace-of-mind when you move to Commonwealth, or we’ll give you your money back!* • Assisted living and award-winning Sweet Memories™ program • Private and companion suites with private bath • Social opportunities • Scheduled transportation
Call and schedule your tour today and receive a free gift!
757-504-3548 *Conditions apply. See community for details.
Commonwealth Assisted Living & Memory Care at Hampton
1030 Topping Lane, Hampton CommonwealthAL.com
Estate Planning • Wills & Revocable Trusts • Estate Administration • Asset Protection • Dynasty & Legacy Trusts • Charitable Giving • Probate Litigation
Elder Law • Medical Directives • Powers of Attorney • Guardianship • Special Needs Trusts • Medicaid Planning • Long-Term Care
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Schedule a Free Consultation YORKTOWN 914 Denbigh Boulevard Yorktown, Virginia 23692 Phone: 757.877.2248 Fax: 757.890.1300
Business Planning • Entity Choice & Formation • Ownership Succession • Mergers & Acquisitions • Shareholder Agreements • Corporate Compliance • Virginia Business Trust
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URBANNA 110 Grace Avenue P.O. Box 247 Urbana, Virginia 23175 Phone: 804.758.2244 Fax: 804.758.0406
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WILLIAMSBURG 295 McLaws Circle Suite 2 Williamsburg, Virginia 23185 Phone: 757.345.6644 Fax: 757.345.2294
3 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Estate & Legacy Planning Since 1978
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 4
Commonwealth Assisted Living & Memory Care at Hampton the largest providers of assisted living services in the state of Virginia with a combined capacity of over 1,300 residents. 15 of our assisted living communities already offer our specialized Alzheimer’s/dementia program, Sweet Memories™, and more growth is on the horizon. Our purpose is to provide optimum resident care with the most efficient operation possible. We have implemented many successful programs that have resulted in enhanced resident care and consistent compliance with regulatory standards.
Commonwealth Assisted Living is Virginia’s premier provider of Independent Living, Assisted Living and Memory Care. Our Founder and CEO, Richard J. Brewer has been in the senior housing industry for almost 20 years. He has been intimately involved in the company’s growth & development starting out with just three communities in 2002 to twenty communities as of 2014.
With our Home Office located in Charlottesville, Virginia, our leadership team is within a four-hour driving radius of every one of our communities. Our entire team is dedicated to provide high-quality housing, personal care and comprehensive services that are responsive to the needs and preferences of residents and their families. Since acquiring our first community, we have grown to become one of
Our communities proudly display Commonwealth’s Core Values Statement, outlining the key elements and actions tha t will attribute to resident satisfaction and the success of our communities as well as our organization as a whole. They read: “We CARE about people. We DO the right thing. We are passionate, have fun, and CELEBRATE success. We SPEAK UP! It’s our responsibility. We take OWNERSHIP and ADD value in all we do. We are RESPECTFUL.” At Commonwealth Assisted Living, we care about our residents and their families in the same way we care about each other. “Our people set us apart from other providers,” Mr. Brewer says. “We work hard, and are not afraid to do things differently. We believe in our product and are proud of the important role we play in society to help our elders age with dignity.”
1030 Topping Lane, Hampton CommonwealthAL.com
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http://miracle-ear-hamptonroads.net Hearing aids do not restore natural hearing. Individual experiences vary depending on severity of hearing loss, accuracy of evaluation, proper fit and ability to adapt to amplification. *If you are not completely satisfied, the aids may be returned for a full refund within 45 days of the completion of fitting, in satisfactory condition. Fitting fees may apply. See store for details. **Audiotone® Pro not included. †Studies conducted at the University of Northern Colorado (2014) and Oldenburg Horzentrum (2013) showed that Speech Reception Thresholds (SRT) in cocktail party situations improved up to 2.9 dB for wearers with mild to moderate hearing loss using GENIUS with Directional Focus, compared to people with normal hearing.This corresponds to over 25% improvement in speech understanding. ©2015 Miracle-Ear, Inc. 15914ROPA/HP4C
5 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
DISCOVER
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 6
Popular Sports for seniors Age doesn’t have to stop older men and women from enjoying their favorite sports. In fact, remaining active can improve physical and mental health.
dividends. Play at your own pace, taking your time walking from hole to hole so you can enjoy the sunshine and soak in the beauty of the course.
SWIMMING If a doctor has confirmed that it is okay to participate in sports, these activities can help men and women 50 and older enjoy friendly competition and physical activity.
A few laps around a pool works your
FISHING
CYCLING
Fishing is more than just a leisurely day
Many seniors are avid cyclists. You
at the lake. Casting and reeling in your
can ride a bicycle in competition or for
catch provides a good workout for the
pleasure. You can even vary your route
arms, legs and core muscles of the body.
depending on how physically intense
If you fish on the water, rowing out
you want the ride to be.
whole body. Swimming is attractive to seniors because it works the muscles and provides a cardiovascular jolt without putting any strain on the joints.
to your lucky spot provides additional cardiovascular exercise.
GOLF Golf is enjoyed by people of all ages. Requiring a combination of strategy and skill, golf also pays several physical
Seniors need not abandon their love of sport just because Father Time is catching up with them. Many sports can be enjoyed by athletes of all ages. LP153040
7 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 8
INFLUENZA: An annual flu shot can help prevent the nearly 36,000 deaths that occur due to flu each year in the United States. The flu vaccine is designed to combat the current strain of flu, so it is recommended anytime between September to March, which is the prime flu season. People age 50 and older should opt for the injection rather than the nasal form of the vaccine.
TDAP: This vaccine protects against tetanus, diphtheria and pertussis and is especially necessary for people who have close contact with young infants. Pertussis, or whooping cough, can be passed on to youngsters and make them very ill. If you’ve never received a Tdap vaccine, the CDC suggests getting it at least once. Individual tetanus boosters should be received every 10 years.
RECOMMENDED FOR THOSE AGE
50+
Routine immunizations can keep people safe and healthy. Certain vaccinations can prevent diseases from producing symptoms, while others can lessen the duration of an illness or make conditions less severe.
PNEUMOCOCCAL: Pneumococcal disease is an infection caused by the pneumococcus bacteria. It can cause pneumonia, blood infection, ear infections, and even bacterial meningitis. This vaccine is given to adults age 65 and older or to younger adults at their physicians’ discretion.
HEPATITIS A: Vaccination schedules become a way of life for parents to young children. But vaccinations aren’t just for kids, and adults should keep tabs on their immunization histories to ensure they’re up-to-date with vaccinations for their particular age group and lifestyle. The Centers for Disease Control and Prevention warns that the elderly are more likely to die of a vaccine-preventable disease than other age groups. The immune system begins to decline as we age, so the body can benefit from the disease-fighting boost provided by vaccinations. Individuals at any age should discuss immunizations with their doctors, but it’s a particularly important conversation for those age 50 and older. Vaccine schedules and recommendations may vary depending on where a person lives, but the following immunization recommendations are offered courtesy of the CDC.
Individuals with medical, occupational or lifestyle conditions, such as healthcare workers or people with chronic liver disease, may need a two-dose series of the hepatitis A vaccine. Adults who are avid travelers to various parts of the world that may bring them in contact with animals or people who do not receive the same course of immunizations may need additional vaccines. Speak with a doctor about which immunizations are recommended before travel. LP153012
Do you want to make a difference in your community today, tomorrow and forever? The Williamsburg Community Foundation can help you.
We provide denture services for all budgets and needs. Our on site denture lab gives us the ability to provide same day service to many of our patients. (Appointment recommended.)
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J. Dewey Willis III, D.D.S., P.C. & Associates Call today for more information or visit us at www.deweywillisdds.com Newport News I 757-873-3407 I 11713 Jefferson Avenue Chesapeake I 757-547-3003 I 801 Greenbrier Parkway
9 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Quality Dentures at an Affordable Price
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 10
As people age, their dietary needs begin to change. Foods that were once staples of your diet as a youth may be restricted once you hit a certain age, while other foods you may have always avoided may now be necessary to fuel and support a healthy body. Eating healthy foods and exercising may not be enough to sustain health, as hormonal changes and other health effects as a person reaches age 50 can have a profound impact on his or her nutritional requirements. The following are a few things men and women over 50 may want to consider as they look to eat a healthy diet for years to come.
Vitamin D Both men and women age 50 and up have a reduced ability to produce vitamin D through exposure to the sun. Extra vitamin D will be needed from foods and supplements. Everyone over the age of 50 should take a daily vitamin D supplement of 400 IU (10 µg), according to Canada’s Food Guide. Without adequate vitamin D, bone strength and health can deteriorate because vitamin D promotes calcium absorption. Vitamin D also has other roles, including helping neuromuscular and immune function and reducing inflammation.
Friendly fats
Dietetics, as they age, men and women need more protein in their diets to maintain their muscle mass. The amount of protein needed at a younger age no longer may be adequate. Look for lean sources of protein from fish and poultry. Beans are also a low-fat source of protein that can help fulfill daily protein requirements.
More fiber Eating more fiber can help with digestive and intestinal problems, such as constipation. Constipation can occur when fiber intake is not enough, coupled with a more sedentary lifestyle. The best way to get fiber is through diet. Leave the skins on fruit and vegetables and choose whole fruits over juices. Whole-grain breads and cereals also are good sources of fiber. Dry beans and lentils can add a fiber boost. Always increase fiber slowly to determine your tolerance.
HOW TO
T A E after
50
Fewer calories The National Institute on Aging says women over the age of 50 need between 1,600 and 2,000 calories, depending on how physically active they are. Men need between 2,000 and 2,400 calories per day. With each passing year there is a decrease in the energy required to maintain body weight, so caloric intake should be adjusted accordingly.
People over age 50 should increase their Dietary recommendations change for intake of unsaturated fats and reduce people age 50 and older. consumption of saturated fats. Nutrient-rich unsaturated fats can guard against heart conditions, protect against stroke, keep skin supple, and More water As a person ages, his or her body may not signal it is even help men and women maintain good thirsty as well as it once did, so it’s possible that you may neurological health. Omega-3 fatty acids not recognize when you are thirsty or dehydrated. The can be found in nuts, olives, seeds, and Mayo Clinic recommends around nine to 10 cups of fatty fishes. beverages per day to remain hydrated.
Increase protein According to Christine Gerbstadt, MD, RD, a spokesperson for the Academy of Nutrition and
Eating healthy and changing one’s diet is important as a person ages, as dietary needs at age 50 may be quite different from what they were at age 30. LP153013
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11 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
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You spoke, we listened…
PEOPLE’S PHARMACY will be in this Sunday’s paper!
E V E R Y T H I N G ’S INCLUDED HOMES
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 12
How to avoid growing bored in retirement From the moment young men and women first walk into the office for their first day as a working professional until the day they officially retire, the notion of planning for retirement is never far from their minds. But when the day to hang up the briefcase and donate all those business suits arrives, some retirees wonder what to do next. Some retirees know exactly how they will spend their days when they no longer have to work, while others who decide to play it by ear may find themselves battling boredom. For those among the latter group, it’s important to understand that many retirees find themselves bored once they no longer have to focus on a career. Jobs keep men and women busy and provide a sense of purpose in their lives, so it’s understandable that retirees feel bored once those jobs are no longer a part of their lives. But just because you no longer have an office to go to every day does not mean life cannot be as fulfilling or even more fulfilling than it was when you were still working. You just need to find something to avoid succumbing to retirement boredom.
Work part-time. Though it might seem odd to start working right after you retire, a part-time job can provide the type of structure you have grown accustomed to without all of the responsibility that comes with a full-time career. Part-time jobs can range from consultancy work that makes use of your professional experience to something entirely different like landscape maintenance at a nearby golf course that gets you out of the house and enjoying the warmer seasons. Whichever you
choose, make sure it’s something you find fun and interesting.
Embrace a new hobby. Working professionals often say they wish they had time to pursue a hobby. Now that you are retired, you have all the time in the world to do just that. Whether it’s perfecting your golf game, writing that novel, learning to cook like a gourmet chef or whatever else you might have always wanted to do, retirement is a great time to do it.
Get in shape. If retirement boredom has started to negatively affect your mood, one great way to conquer your boredom and improve your mood at the same time is to start exercising. Exercise is a natural mood enhancer. When the body exercises, it releases chemicals knowns as endorphins, which trigger positive feelings in the body. In addition, regular exercise has been shown to reduce stress, boost self-esteem and improve sleep. Working out at a gym also is a great way to meet fellow retirees in your community, and the energy you have after exercising may give you the boost you need to pursue other hobbies.
Volunteer. If a part-time job is not up your alley, then consider volunteering in your community. Volunteers are always in demand, and volunteering with a local charity can provide a sense of purpose and provide opportunities to meet likeminded fellow retirees, all while helping to quell your boredom. Retirees who love to travel can combine their passion for volunteering with their love of travel by signing up to work with an international relief organization that travels abroad to help the less fortunate. Upon retiring, many retirees initially find themselves coping with boredom. But there are many ways to avoid the restlessness of retirement. LP153011
Have You Seen Us Lately?
We Can Help! Let our Professionals design your perfect closet. We will listen to your needs and transform your space into the most organized, attractive and workable space possible.
Call Lynn today to schedule your tour
Call us for a complimentary in-home consultation today.
The Hidenwood provides both independent and assisted living, so you can customize your care as needed and spouses requiring different levels of care can remain together. We have also recently completed major renovations all over our community. Enjoy upgraded apartments with basic phone & cable included, a new courtyard, a state-of-the-art movie theatre and much more!
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13 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Downsizing?
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 14
EnjoytheMagic Active Adult community located in Historic Smithfield. 55 and beyond, but you don’t have to be retired to enjoy the magic of Church Square.
Pricing starting at
$205,000 ~ 2 & 3 bedroom homes featuring one level living. ~ 2 car garages, private patio and covered porches ~ Master suites with walk-in closets ~ Chef’s kitchen with granite countertops ~ Hardwood flooring in living areas ~ Professionally landscaped with sod & sprinkler system ~ 2-10 Homebuyers Warranty The Signature Club with over 3,000 sq ft of quality recreation facilities to include a catering kitchen, fitness room and outdoor pool.
BUILT BY
Jane Reno Site Manager (757) 593-4433
Jo Ann Wood Site Assistant (757) 641-3678
www newhomes@ www.newhomes@abbitt.com h @abb bbiitt bb itt com
Call for an appointment. Directions: Business Rt. 10 in Smithfield (Church Street) take right on Durham. Clubhouse address: 100 Durham Street
You already know what a will does. Preplanning does more. Preplanning is a simple thing you can do to ease burdens on your family at a difficult time. No other form of preparation does all of these things:
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Make decisions ahead of time Ensures wishes are carried out Prevents overspending Takes the pressure of selection process off your family Keeps costs at today’s prices when paid in advance We specialize in preplanning. Call us and we can answer any questions you may have. Ask us about the many payment options available.
------------------------------------------------------------------- Clip here and mail --------------------------------------------------------------------
YES
I would like to receive more information. I understand that there is no cost or obligation ation tion on my part, and no one will call unless I so request.
Name: -----------------------------------------------------------------------------Address: ------------------------------------------------------------------------City: ---------------------------------------------------------------------------------Micheal T. Hines, Manager • Steven M. Gurganus, Funeral Director
P.O. Box 1026 • 410 Grafton Drive • Grafton, VA 23692
Amory Funeral Home P.O. Box 1026 410 Grafton Drive Grafton, VA 23692 (757)898-5722
❏ Funeral Pre-Arrangement nt ❏ Funeral Cost (payment options) ❏ Cremation Options
State: -------------------------------------------------------------------------------
❏ Veterans and Social Security Death Benefits
Phone: -----------------------------------------------------------------------------
❏ Transfer existing pre-arrangements to Amory Funeral Home
Your NEW Long-Term Care Option Has Just Arrived Choosehome, a new comprehensive retirement care program, delivers the resources and support needed to remain comfortably in your home.
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Live in your own home as you age. The best gift to give your children. Access to a “Personal Services Coordinator” who handles all the details of your program’s benefits and becomes your advocate when receiving care. A cost-saving alternative to traditional long-term care options. Backed by Riverside Health System, the most comprehensive health care provider of aging-related services in Virginia.
Plan now, if you want to stay in your own home for retirement. Call 757-585-2654 to RSVP for one of our bimonthly informational sessions.
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15 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Retire Your Way.
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 16
Vision
CHANGES AS YOU AGE As a person gets older certain bodily changes are to be expected. For example, muscle tone may diminish and bones can become more fragile as we age. Exercise and healthy eating may be able to stave off some of the effects of aging, but avoiding vision problems may require some additional effort. Vision naturally diminishes as we age, but not all vision changes are related to aging. Many natural changes are not severe and may only require a minor adjustment in prescription glasses or contact lenses. Improved lighting or bigger print may help remedy other issues, including blurry text. However, certain conditions that people blame on getting older really may be hereditary or a byproduct of an illness. There’s a difference between changes that are the result of aging and those that are not. Recognizing the differences can help individuals get the treatment necessary to prevent permanent eye damage.
Continues on page 20
Let us customize a plan for you. Call today for a complimentary consultation.
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BOOK BY MAY 1, 2015 Exclusive Amenity available only through Warwick Travel $60 per stateroom onboard credit, reduced deposit and Onboard Coupon book worth $325 per stateroom. Active, Veteran and Retired military personnel can enjoy up to $250 in FREE onboard spending money on any cruise, any time of the year!* * It’s money you can use any way on board a cruise with Princess — for shore excursions, specialty dining, shopping and more. You can have this offer applied anytime — before or after you book. Once you are registered and quali ed, this offer will apply to any future cruise you book. No other cruise line makes such an offer. Offer applies to up to two qualifying veterans, retired and active-duty personnel per stateroom.
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*Free onboard spending money is in the form of an onboard credit. Up to $300 USD onboard credit per stateroom applies to select sailings and varies according to category booked and sailing duration. Any unused onboard credit is non-refundable. Offer is applicable to first/second-berth guests only. Third/fourth-berth guests are not eligible. Guests with single occupancy will receive the per stateroom credit amount. Onboard spending money may be used on a single voyage only, is not redeemable for cash and expires at the end of that voyage. Offer is not transferable and may not be combinable with other select offers or other onboard credits. Onboard spending money is quoted in U.S. dollars. Past guests may qualify for lower fares than those advertised that do not combine with the Onboard Credit offer. Free balcony upgrade refers to booking a balcony stateroom for the price of an oceanview stateroom or booking a deluxe balcony for the price of a standard balcony. Fares apply to minimum lead-in categories on a space-available basis at time of booking. Fares for other categories, sailings and cruise tours may vary. Fares are per person, non-air, cruise- or cruise tour-only, based on double occupancy and apply to the first two guests in a stateroom. These fares do not apply to singles or third/fourth-berth guests. Taxes, Fees and Port Expenses of up to $330 are additional and subject to change. This offer applies to new bookings only, is capacity controlled and may not be combinable with any other public or past guest discount. Offers available to residents of the 50 United States, Canada, Puerto Rico, Mexico, Bermuda and the District of Columbia who are 21 years of age or older and receive this offer. Deposits made under this promotion are non-refundable and non-transferable. Fares quoted in U.S. dollars. Please refer to princess.com for terms, conditions and definitions that apply to all bookings. Offer expires: April 1, 2015. © 2015 Princess Cruises, Ltd. Ships of British and Bermudan registry. Note: For assistance reserving a wheelchair-accessible stateroom, please contact customer service at 1-800-774-6237.
17 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Look As Good As You Feel!
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 18
FHA Just Announced Starting April 27th, Seniors Will Be Required To Meet Credit and Income Requirements To Qualify For a Reverse Mortgage! Act Now To Get In Before the New Rules Take Effect!
www.reversemortgage.pro
NMLS ID#139414 (http://nmlsconsumeraccess.org/ )
you needed $25,000 for an unexpected expense, would you raid your retirement account, rack up some extra bonus points on a high-rate, high-payment credit card or put the homestead at risk with a normal mortgage? We are living in some uncertain times. You never know when you are going to be hit with the need for a major home improvement, car repair, medical or family emergency – and since a 62- year-old in good health can expect to live another 20 to 40 years, it’s more important than ever to make your retirement funds last. Just think, the cost of a gallon for both gas and milk is three times more now than 20 years ago; it will be at least three times as much in another 20 years. It’s time for you to have a backup plan for future needs – The Get Smart Life Time Line!
If
‘Better Than a Traditional Home Equity Line’ Senior homeowners can now sign up for the New Improved FHA HECM Lifetime Credit Line, a HUD program that allows a two-tier credit line and has some key factors, making it much better than a traditional Home equity line. You always have the option to make monthly payments, but you are never required to. So if you borrow $25,000, you can make low monthly interest payments; you can pay extra to pay down the balance, or you can choose to never make any payments at all. It’s all up to you and your budget at the time. If you get a lifetime line and just keep it unused in reserve, there are no monthly or annual fees, and you never have to worry about needing the lender to agree to renew it after a couple years. The Get Smart Lifetime Line cannot be shut down by the lender regardless of a loss of income, an unexpected hit to your credit scores, a drop in your home value, or even a loss of a spouse. You just have to live in your home, keep your real estate taxes paid and insure your home – just like you already do. So your home always remains safely in your name, protecting you from ever losing your house. The amount you can qualify for is based on your age and home value: at 62, which is the minimum age, you can borrow a little more than half the value of your home. Seniors can qualify for these plans without income or credit qualifications. For some folks with lower income or low credit scores, there is no better time to take advantage of this great financial planning tool. Another reason not to delay is that when you set up this lifetime credit line, it comes with a built-in growth factor, currently near 4 percent. So, say you have a $125,000 unused credit line balance; in five years, your credit line value would have grown to $152,000, allowing you even more funds when you might need it later in life – even if your property value had dropped during that time.
Reverse Mortgage Life Time Credit Line – Frequently Asked Questions: What is a FHA HECM Reverse Mortgage Life Time Credit Line?
When must I repay the loan?
A reverse mortgage is a government-insured program designed for homeowners age 62 and older who have some equity built up in their home. It is meant to be a Financial Planning Tool to help seniors remain in their home over their lifetime without fear of ever losing it, since there is no requirement for repayment of any funds used while they remain in the house.
The loan is due and payable when the last remaining borrower sells the property, permanently leaves the home or passes away. Until these events take place, you live in the home and make no payments to the lender unless you chose to. You are still responsible for maintaining the property, paying property taxes and insurance.
Who uses the reverse mortgage lifetime credit line program?
Can I lose my house to the lender, like you can with a normal mortgage?
Folks use the program to eliminate existing mortgages or other debt, receive Tax-Free monthly income, do home improvements or to just have available a large life time credit line to draw from IF funds are needed later in life.
No, the title remains in the name of the borrower(s) at all times, and you are never required to make a monthly payment unless you wish to; however, just like without a reverse, you are required to keep your real estate taxes current, as well as keep insurance on your home, so that you don’t lose it for those reasons.
Are my other benefits like Social Security or Medicare affected? The proceeds from a Reverse Mortgage are not income, so it is not taxable and does not affect these benefits; however, if you are under a Medicaid plan, you need to limit your draws, so in this case you should discuss it with an adviser.
How soon after getting my Reverse Credit Line do I have to renew it? Unlike a normal Home Equity Credit line that the Lender requires you to renew every one to five years, the FHA HECM Life Time Credit Line never has to be renewed; it remains available to you to use for your lifetime in the house. It’s a real Life Line to financial independence.
Can I, or my heirs, ever owe more on the house than what it’s worth? No, all FHA reverse mortgages are “non-recourse” loans, which means that you will never owe more than the home is worth, regardless of the loan balance. Once the last owner(s) passes away or moves out of the home permanently, the heirs can sell the property and pay off the existing mortgage balance and keep all the remaining equity; they can use other funds like insurance to pay it off, or they can refinance the property.
19 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
HUD Reverse Mortgage Becoming Best Long-Term Financial Planning Tool for Senior Homeowners
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 20
Continued from page 16— Vision Changes as you age
AGE-RELATED CHANGES Difficulty seeing clearly for reading and close work is one of the most common age-related vision issues. This condition can begin as early as age 40 and worsen as a person gets older. Variation in the eyes’ ability to focus properly is called presbyopia, and it will worsen over time.
is the most common cause of macular degeneration. Glaucoma is another condition linked to aging. Glaucoma is caused by damage to the optic nerve by fluid pressure inside the eye. Patients with glaucoma typically do not exhibit early symptoms. Glaucoma is only detectable through routine vision examinations.
Other normal signs of aging include problems Not all vision problems are directly with glare from correlated to aging. Adults should headlights or the sun. speak with their eye doctors about Lens changes in the eye any problems they may be having. can cause light to be scattered rather than focused on the retina. This leads to According to the Mayo Clinic, about more glare. In dim conditions, a person half of all 65-year-old Americans have may find he or she needs more light to some degree of cataract formation in see well. That’s because muscles that their eyes. People who have control pupil size and reaction to light cataracts may think lose some strength. they’re an unavoidable part of getting older. Changes in color perception also may While aging may begin. The normally clear lens of the increase the risk of eye can discolor, making it difficult to getting cataracts, according distinguish between certain hues. to Lighthouse International CONDITIONS NOT DIRECTLY its true cause is unknown. Other risks include long-term exposure to the TIED TO AGING sun’s rays, high cholesterol, diabetes, Certain eye disorders may become smoking, and eye injury. more prevalent as a person gets older, but that does not mean they Illnesses like diabetes can affect are a byproduct of aging. Macular eyesight in many different ways. degeneration, which causes spotty loss Proper treatment for diabetes and of detail or sudden and severe loss of management of the condition can central vision, may occur. This condition prevent a number of eye disorders. is a result of damage to the macula, the central part of the retina responsible for Adults should not assume all vision detail, color and daylight vision. changes are a direct result of getting Risk factors for macular degeneration include high cholesterol, diabetes, smoking, and untreated high blood pressure. Poor circulation to the retina
older. Annual vision examinations by qualified eye doctors can pinpoint the cause of problems and find treatment options that are successful. LP153983
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21 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
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RIVERSIDE MEDICAL GROUP LIFE LONG HEALTH
The Largest Comprehensive Provider Group Dedicated to the Care of Older Adults in the Tidewater Region. There is no other provider group in the Eastern Region that is doing more to advance the safety, respect, and quality of care for older adults.
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Specialized geriatric assessments and consultations Medical house call visits Medical services through PACE Geropsychiatry and neuropsychology Physical medicine and rehabilitation services Patient-centered medical homes Skilled nursing and long-term care Hospice and palliative care medicine
SULLIVAN Associate Broker/ REALTOR ABR, CRS, SRES, SRS
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Selling or Buying a Home: Tips for Older Adults
Providing quality legal service to the community in the areas of: • Estate & Trust Planning • Stand Alone Retirement Trust Planning • Irrevocable Trust Planning • Elder Law including Medicaid Asset Protection • Veterans Aid & Attendance
• Guardianships & Conservatorships • Probate & Estate Administration • Special Needs Planning • Business Law including Business Succession Planning • Litigation
Direct: (757) 532-8300 eFax: (757) 390-3601 800 Diligence Drive Newport News, VA 23606 Email: Crystal@CrystalSullivan.com Web: www.CrystalSullivan.com
Crystal can help you transition to senior housing or a smaller home Crystal has knowledge of senior financing options Crystal is aware of the emotional aspects of seling long-held property Crystal can help you avoid senior scams Crystal can get you a comparative market analysis Crystal is a Senior Real Estate Specialist certified to handle senior real estate transactions.
If you would like to meet with any of our attorneys, please call (757) 220-8114 or visit our website at www.carrellblanton.com for more information. We offer educational seminars on a variety of topics which can be found on our website, on the Seminar page.
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Since 1964, Hampton Memorial Gardens has been a leading provider of compassionate, personalized
cemetery services to Hampton families. We are pleased to introduce our new Garden of Hope Mausoleum, the only twostory mausoleum in Virginia. Families can choose from the above ground mausoleum as well as cremation niches and ground burial.
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25 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
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April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 26
Home remedies for joint pain can provide relief Treatments for joint pain and stiffness range from medication to physical therapy. Finding the right regimen may take some effort, including some trial and error. For those looking for treatments they can try at home, consider these homespun remedies. (Note: Check with a physician to confirm the safety of alternative treatments before adding herbs to or modifying your existing medications.)
arthritis-related pains. Hot treatments will loosen up stiff joints, while cold therapy is best for acute pain relief. Do not apply hot and cold packs to the skin directly, as this can injure the skin. Wrap them in a towel first before application.
EXERCISE MORE. Regular movement helps
foods and herbs that are purported to reduce inflammation in the body. Ginger, turmeric, flaxseed, grape juice, and bromelain can alleviate inflammation and stiffness. Foods such as fatty fish and nuts high in omega-3 fatty acids also will help fight inflammation. Blueberries, garlic, celery, and kelp should be included in diets as well.
to maintain flexibility in the body’s joints. Those with joint pain may shy away from exercise, but they could be doing themselves a disservice. Low-impact exercises, like swimming and water aerobics, can work out muscles and joints without adding extra stress. Walking can replace jogging or running, and yoga and pilates may be just the thing for deep stretching.
Stiff,
painful joints affect a vast number of people. According to the American College of Rheumatology, arthritis and other rheumatic diseases afflict roughly 23 percent of Americans, while Canadian Health Surveys indicate that nearly 17 percent of the Canadian adult population have arthritis. The number of people living with arthritis is expected to increase as the Baby Boomer generation continues to age.
LOSE WEIGHT. Joint pain is often tied to obesity. Losing just a few pounds can ease up strain on certain joints, such as the hips, feet and knees. Shedding weight can improve mobility and decrease pain and potential future damage to joints. Exercise goes handin-hand with healthy eating to lose weight.
CONSIDER HOT AND COLD THERAPIES. Using a heating pad, hot shower or bath or an ice pack can work wonders on
INCLUDE ANTI-INFLAMMATORY FOODS AND BEVERAGES IN YOUR DIET. Explore the many different natural
GO FOR A MASSAGE. The Arthritis Foundation says regular massages can help reduce pain and stiffness and improve range of motion. The massage therapist should have experience working on people with arthritis. In addition, massages should be performed by licensed physical therapists and guided by a doctor’s recommendation.
INCREASE MAGNESIUM INTAKE. Magnesium can alleviate pain and reduce inflammation. It is best ingested through dark, leafy greens but also can be taken in supplement form. Magnesium oil can be applied topically to sore joint areas. Joint pain can impact daily life and make activities less enjoyable. Fortunately, there are plenty of ways that do not require harsh medications to loosen joints and combat pain. LP153963
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27 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
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April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 28
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29 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
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April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 30
already have Today’s seniors, particularly those who s with many selve them nd fi may age, passed retirement er accounts free hours to fill now that a job no long ol may help scho to g rnin Retu . time for most of their ing a degree, seniors realize lifelong dreams of finish gain work in a exploring a hobby, getting educated to productive way. new field, or just to fill some time in a artment of Information from the United States Dep n Statistics Education’s National Center for Educatio n is still finds the demand for continuing educatio center the r, growing. For those aged 35 and olde least at says adult enrollment should grow by another 7 percent through 2016. age. Adults It’s possible to return to school at any ies can ibilit poss looking at continuing education a into ping heed these easy tips to make step classroom again successful. passed GET SOME HELP. Some time may have a red ente or ks since you last toted textboo since ged chan classroom setting. Things have a guidance you last were in school. Sit down with counselor or a career advisor and go over your schooling goals to plot out a degree map. This will help you determine which courses to take or what schools will best fit your needs.
1
the school environment. or attend an event for adult Visit with someone in student services issions process entails. learners so you will know what the adm
Pointers for
ADULTS 4 RETURNING 5
ips, grants and GET FINANCIAL ASSISTANCE. Scholarsh ents. You may stud ng other financial aid are not just for you aid advisor to cial nan fi a be eligible for financial help. Speak with s. determine your eligibility for program want to go to DECIDE ENROLLMENT STATUS. Do you to take classes here t wan school full time or part time or do you lop the right deve you and there? Knowing in advance will help schedule.
to school
RESEARCH SCHOOLING OPTIONS. According to the National Survey of Students in Continuing Education, adult learners prefer post-secondary education that is affordable and close to home. Recognize that many schools now offer online learning, which may be ideal for you if you prefer to learn from the comfort of home. Decide what is important to you in a school, then narrow down your prospects.
2
SCHEDULE A CAMPUS VISIT. Tour the campus to get a feel for
3
Rather than delve into the TAKE A FEW REFRESHER COURSES. basic classes to ease yourself tough stuff right away, enroll in a few Then next semester you can increase back into the academic environment. the difficulty level and workload.
6
STUDY. You may have BE PREPARED FOR HOMEWORK AND untable to yourself as of late. grown accustomed to being only acco nts and tests. Plan for study time Once in school you will have assignme ol commitments. and develop a schedule to allow for scho
7
THE FINISH LINE. Going TAKE IT SLOW. THERE’S NO RACE TO can go at your own pace. back to school is your decision, and you
8
for many reasons. Involve family in Adult students return to the classroom embrace the positive changes that the decision to continue education and are in store. LP153988
Express Auctioneers, Brokers & Appraisers has provided options to assist in transitions for over 30 years. We work closely with Realtors, Attorneys, Accountants, Bank Trust Departments, Personal Representatives, Executors and Senior Transition Providers to handle all aspects of Marketing and Selling Estates, Real Estate, Private Collections, Fine Art, Jewelry, Vehicles, Luxury Items and Business Assets. Our Consultation is FREE.
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31 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Auction Marketing Specialists
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 32
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• Redesign: Recycle Your Jewelry by taking existing jewelry, such as wedding rings and family heirlooms, and redesigning the piece into something new. • Makeover: Turn a pendant, necklace, earrings, and/or rings into new pieces of jewelry. Turn a ring into a pendant; an old pair of earrings into a new ring! • Custom Designs: Want a ring, necklace, pair of earrings, or other piece of jewelry that is 100% original? We can work with you to design a piece that is completely your own and one-of-a-kind. • Clean & Repair: Bring in your most used and cherished jewelry to be cleaned, repaired, or stones remounted and have them looking like the day you purchased them.
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Psoriasis,
If you have an autoimmune skin condition marked by red, flaky patches on the body, you also could be at risk for a certain type of arthritis. Psoriatic arthritis, which causes stiffness, swelling and pain in and around the joints, affects up to 30 percent of people with psoriasis, says the National Psoriasis Foundation. While psoriatic arthritis can develop at any time, it is most common in people between the ages of 30 and 50. This type of arthritis can develop slowly or come on quickly and be severe. Just like psoriasis itself, psoriatic arthritis tends to go through periods of flare-up and remission. Typically, the skin condition precedes the joint disease in 85 percent of patients. Keep in mind that a severe case of psoriasis will not necessarly translate into a severe case of arthritis. Psoriatic arthritis may be treated like other forms of arthritis. Doctors may prescribe anti-inflammatory drugs, antirheumatic drugs, exercise, and complementary therapies.Those who have psoriasis and have begun to experience joint pain and stiffness should talk to a doctor about potential therapies. LP153965
A Better Joint Replacement Experience. The best testaments of a joint replacement are from the patients whose lives have been improved by their experience at a Sentara OrthoJoint Center:
KNEE PAIN was keeping Lorene from
I
t’s all about your quality of life. Perhaps walking, shopping, taking part in hobbies or doing housework has become difficult or even unbearable. Conservative measures such as exercise and medications may no longer provide relief or alleviate your pain. If you’ve come to a point where knee or hip pain has reduced your quality of life, it may be time for you to consider joint replacement surgery. Hip and knee joint replacement surgeries are commonly performed elective operations. The Sentara OrthoJoint Center® offers proven quality methods that motivate your recovery and get you back to the activities you enjoy. Each Sentara OrthoJoint Center has a dedicated area of the hospital that focuses only on joint replacement patients. It brings together a team of experienced surgeons, specially trained nurses, therapists and other team members. A dedicated Orthopedic Patient Navigator keeps you and your family informed and on track, including an educational workshop before surgery to learn about joint replacement. When you decide you’ve had enough of joint pain affecting your quality of life, know that we have options available for you. The orthopedic surgeons at Sentara OrthoJoint Centers offer patients the latest techniques including the anterior approach to hip replacement (JIFFY HIP*), computer-assisted surgery AVIOTM advanced robotic-assisted technoland robotic-assisted technology for knee pain. A simple call to our nurse can ogy for the treatment of connect you to an orthopedic doctor close to you, with the care you need to knee pain is now available on the Peninsula. return to your active lifestyle.
N
enjoying life’s simple pleasures, like walking her dog. “I was bone-to-bone… and I had a lot of pain!” After her knee replacement procedure at a Sentara OrthoJoint Center, she was pleasantly surprised at how well she was doing. “My recovery was so fast that I was off of all pain medications four days after I came home.” Now Lorene is able to walk her dog and return to doing pet therapy at the hospital. She adds a bit of advice for those suffering with knee pain, “I’m sorry I didn’t have it done 10 years ago!”
HIP PAIN
was taking control of Elnita’s life. She wasn’t even able to walk through the grocery store to do her shopping. It turned out that Elnita needed her hip joint replaced. “One of the things I love to do is walking and I hadn’t been able to walk.” She wanted to have the direct anterior approach hip replacement (also referred to as JIFFY HIP*) which is available at Sentara OrthoJoint Centers. Her hip replacement surgery at a Sentara OrthoJoint Center had Elnita up and walking the next day. “I was able to live again!” __________________________________________
Watch joint replacement patient and surgeon videos on Cox Cable ORTHOJT Channel #1891.
SENTARA ORTHOJOINT CENTER® Two Peninsula locations: Orthopaedic Hospital at Sentara CarePlex • Sentara Williamsburg Regional Medical Center sentara.com/OrthoJointCenter • Talk to the nurse at 1-855-2ORTHOJT (1-855-267-8465) *JIFFY HIP is a registered trademark of Mizuho Orthopedic Systems, Inc.
33 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
Sentara OrthoJoint Center
®
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 34
a grand experience in resort-style retirement living. With its sweeping views of the majestic Chesapeake Bay, The Chamberlin on Historic Fort Monroe sets a new standard for stylish waterfront retirement living. Every corner of this grand hotel has been lovingly transformed into a spectacular new experience in resort-style retirement. Here, residents enjoy all the amenities of a luxury resort with the security and peace-ofmind only a retirement community could offer. Built in 1927, the grandeur of the past has been magnificently restored with fabulous amenities and 58 different apartment floor plans to suit any taste or budget. Stylish residences offer high ceilings, sleek appliances, granite counter tops, plush carpeting and breathtaking views. Inside the residences, many of the historic building’s original features have been magnificently restored, offering an air of genuine sophistication to the living space. All apartments are designated as pet friendly. Two restaurants, award-winning cuisine and sparkling bay views make life at The Chamberlin even more tasteful.
What truly sets The Chamberlin apart, however, is the resident-friendly rental agreements, which offer flexibility in both lifestyle and finances without the burden of large up-front fees or the likes of “lifetime leases.” An array of services – from bi-weekly housekeeping to transportation – come with their monthly rental payments. In other words, The Chamberlin offers residents the comfort, convenience and the ability to maintain their independence as long as possible. More than 86,000 square feet of The Chamberlin’s common space was beautifully restored to highlight its tall ceilings and high arching windows. It seems there’s a stunning waterfront view at every turn. Residents here gather with friends and guests to enjoy the sounds of our baby grand piano in the Grand Lobby’s piano bar. Conversation nooks, lounge areas, a library and breezy open-air verandas complete the experience. The Chamberlin features a 9th-floor Solarium with a rooftop overlook, both of which boast panoramic views of the Chesapeake Bay and Hampton Roads.
Around happy hour, chances are you’ll find many residents inside the billiards room or the stately Officers Club, where a giant flat screen television and a friendly bar beckon folks just about every day. Meanwhile, the retirement resort’s Hygeia Health Club offers state-of-the-art exercise equipment, personalized training and a heated, 25-yard, 6-lane indoor pool. A step outside invites you for a stroll of the resort’s walking and biking paths. An adjacent full-service marina is available and a nearby fishing pier and sandy beach offer the perfect excuse to spend a glorious summer day on the Chesapeake Bay. There’s even climate-controlled storage for fishing rods, bikes, beach chairs and more. Professionally managed by Harmony Senior Services, The Chamberlin showcases the company’s commitment to detail and residential comfort. The minute you step in, you know you’ve arrived somewhere special. There is truly no place else in the region as grand and inviting for retirees as The Chamberlin. For more information, visit www.historicchamberlin.com. Schedule a personal visit, or join us for a complimentary luncheon tour.
Located on Fort Monroe • 2 Fenwick Road, Hampton, VA 23651 • (757) 772-0020 • www.historicchamberlin.com
Pets Welcome
35 — An advertising supplement to the Daily Press and The Virginia Gazette • PrimeTime • April 2015
grand apartment living for
people 65 and wiser. Fort Monroe is a national landmark rich with history. Now meet the people who are making history again. Our residents are living history. At the same time, they’re enjoying the grand amenities at The Chamberlin. Some keep their boats at our marina. Some golf at our nearby courses. But all of our residents enjoy the fine dining, indoor pool and the spectacular views living here has to offer.
Join us for a complimentary Taste and Tour!* Wednesday, April 22 from Noon – 2pm *Must RSVP to be eligible for complimentary lunch and tour.
Preserve your assets. No up-front fees.
Located on Fort Monroe • 2 Fenwick Road, Hampton, VA 23651 • (757) 772-6764 • www.historicchamberlin.com
Pets Welcome
April 2015 • PrimeTime • An advertising supplement to the Daily Press and The Virginia Gazette — 36
I love walking, and now I can do that again.
We’re helping people return to the activities they enjoy.
Now I can exercise without hurting. Now I can shop as long as I want. Sentara OrthoJoint Center® Two locations on the Peninsula: • Orthopaedic Hospital at Sentara CarePlex • Sentara Williamsburg Regional Medical Center sentara.com/OrthoJointCenter
Your community, not-for-profit health partner
View patient and physician videos on Sentara Cox Channel #1891 and at sentara.com/OrthoJointCenter. Or talk to our nurse at 855-2ORTHOJT (855-267-8465).