SPRINGFIELD/DECATUR
area
Promoting Healthier Living in Your Community • Physical • Emotional • Nutritional
June 2012
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HealthyCells
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www.healthycellsmagazine.com
M A G A Z I N E
C ountry Financial Retirement Planning: Time Is Money ®
page 14
Are You Really Hungry or
Do You Just Want To Eat? page 8 Non-Surgical Options After Breast Surgery page 18
Dealing with Dementia
page 22
Odds of a child becoming a professional athlete: 1 in 16,000 Odds of a child being diagnosed with autism: 1 in 110
Some signs to look for: No big smiles or other joyful expressions by 6 months.
No babbling by 12 months.
No words by 16 months.
To learn more of the signs of autism, visit autismspeaks.org
TM
© 2010 Autism Speaks Inc. “Autism Speaks” and “It’s Time To Listen” & design are trademarks owned by Autism Speaks Inc. All rights reserved.
WIN! WIN! WIN! Register to win your chance to ride away on this new ElliptiGO valued at $1800. Just complete the special “BIKE GIVE-AWAY” Reader Survey Found on page 26 of this issue of Healthy Cells magazine and mail to: Limelight Communications, Inc., 1711 W. Detweiller Drive Peoria, IL 61615. All entries much be postmarked by Sept 30th, 2012 Drawing will be held on Oct. 15th, 2012 No purchase necessary to win. Void where prohibited. Only one entry per person.Employees and family members of Limelight Communications, Inc. are ineligible to win.
Can be seen at
3120 Montvale Dr. # B Springfield, IL
The ElliptiGO combines the best of running, cycling and the elliptical trainer to deliver a low-impact, high performance workout - outdoors.
I’VE NEVER UNDERSTOOD WHY MY HUMAN WON’T LEAVE THE HOUSE WITHOUT HER LEASH. I THINK SHE’S AFRAlD OF GETTING LOST. BUT IT’S OK, I KIND OF LIKE SHOWING HER AROUND. — HARPER adopted 08-18-09
June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 3
J U NE 5
2012 Volume 3, Issue 6
Behavior: ADHD — Adult Or Childhood Disorder?
This Month’s Cover Story:
Country Financial ®
6
Emotional: “Heart vs. Smart!”
8
Nutritional: Are You Really Hungry or Do You Just Want To Eat?
10
Physical: Helping Seniors Drive Safer, Longer
12
Personal Success: My Success Can Be Your Success
17
Men’s Health: Tips For Men To Stay Healthy As They Age
18
Prosthetics: Non-Surgical Options After Breast Surgery
20
Take Action: Stress and Smoking — What are Your Stressors?
22
Professional Support: Dealing with Dementia
24
Women’s Health: Tips For Women To Prevent Common Health Problems
25
The Right Dose: What is Metabolic Medicine?
Retirement Planning: Time Is Money page 14
For information about this publication, contact Dave Molleck at LimeLight Communications, Inc., 309-681-4418, dave@molleck.com
Healthy Cells Magazine is a division of: 1711 W. Detweiller Dr., Peoria, IL 61615 Ph: 309-681-4418 Fax: 309-691-2187 info@limelightlink.com • www.healthycellsmagazine.com Healthy Cells Magazine is intended to heighten awareness of health and fitness information and does not suggest diagnosis or treatment. This information is not a substitute for medical attention. See your healthcare professional for medical advice and treatment. The opinions, statements, and claims expressed by the columnists, advertisers, and contributors to Healthy Cells Magazine are not necessarily those of the editors or publisher. Healthy Cells Magazine is available FREE in high traffic locations throughout the Greater Springfield and Decatur area, including major grocery stores, hospitals, physicians’ offices, and health clubs. Healthy Cells Magazine is published monthly and welcomes contributions pertaining to healthier living. Limelight Communications, Inc. assumes no responsibility for their publication or return. Solicitations for articles shall pertain to physical, emotional, and nutritional health only. Mission: The objective of Healthy Cells Magazine is to promote a stronger health-conscious community by means of offering education and support through the cooperative efforts among esteemed health and fitness professionals in the Springfield/Decatur Illinois area.
behavior
ADHD
Adult Or Childhood Disorder? Submitted by Central Illinois Neuropsychological Services
T
he diagnosis of Attention Deficit Hyperactivity Disorder has become increasingly popular in the last 20 to 30 years. The DSM-IV (a diagnostic manual) defines this diagnosis as having symptoms present in more than one setting and some of the symptoms present before age seven. Previous diagnoses included minimal brain dysfunction and today some professionals include executive functioning/dysexecutive syndrome when diagnosing ADHD. The DSM-IV describes three types of attention deficit including inattentive, hyperactive impulsive and the two combined. The symptoms of inattention appear in many different forms including seemingly not listening when spoken to, failing to give close attention to details, messy work such as in homework, difficulty sustaining attention in schoolwork and difficulty staying with a task until it is completed. They may appear to be daydreaming and not hear what has just been said. The person with this disorder may start a project and move to another before it is completed. They often fail to complete projects. Difficulty with organization is another characteristic of this disorder. Tasks that require self application and sustained mental effort are avoided because they are difficult for that individual. Homework or paperwork is avoided. At work, the person appears to be disorganized and scattered. The person is easily distracted and appears to be forgetful. They will shift conversations quickly, not be able to listen to conversation and not follow the details of rules in a game or activity. The characteristics of hyperactivity in children may include running or climbing excessively, fidgeting in times in which sitting quietly is expected, talking out of turn, getting up from the table during meals, and frequently interrupting or intruding on others. The child may talk excessively and make noise when being quiet is expected. Adults who are hyperactive may have excessive motor movements, feelings of restlessness, interrupt on conversations, make comments at inappropriate times and are generally messy in their work environment. Russell Barkley, PhD, reports that adults with ADHD have difficulty in relationships, completing schoolwork and finishing school in general, difficulty in maintaining employment, difficulty with the law and may have substance abuse problems. Impulsivity in children is often exhibited by risk taking, acting before thinking, driving accidents in adolescents and climbing to dangerous heights. Impulsive individuals take risks without considering the consequences. The attentional and behavioral characteristics are usually in more than one setting including home, school or work. It is not unusual that the person with ADHD has learning disabilities and/or anxiety or depression. Individuals with other disorders such as Autism, OCD, Tourettes and Bipolar may also experience symptoms of ADHD.
Barkley addresses Sluggish Cognitive Tempo as a distinct disorder from ADHD in his October 2011 issue of the ADHD Report. He states that the symptoms of Sluggish Cognitive Tempo include staring, daydreaming, confusion, mental fogginess, hypo-activity, sluggishness or slow movement, apathy, sleepiness, and lethargy. He reports that studies have proven that SCT exists separately from ADHD. The symptoms of SCT are more related to social withdrawal and internalizing symptoms and are less related to state regulation and executive functioning. Daydreaming and sleepiness are highly characteristic of this disorder. The symptoms of SCT are highly related to the traditional ADHD symptoms of inattention and have a lower correlation to the ADHD symptoms of hyperactivity/ impulsivity. Adults with ADHD have difficulty with the following: trouble wrapping up final details of a project, difficulty getting things in order with a task that requires organization, problems remembering appointments or obligations, avoiding getting started on a task that requires a lot of thought, fidgeting or squirming when having to sit for a long time, or feeling overly active and driven by a motor. They also make careless mistakes, have difficulty keeping attention in boring or repetitive work, have difficulty concentrating when people are talking to them, lose objects at home or work, are easily distracted by activity or noise, and leave their seat often in meetings in which remaining seated is expected. They complain of feeling restless, have trouble unwinding or relaxing when alone, talk too much in social situations, finish sentences in conversations, have trouble waiting their turn and interrupt others when they are busy. Temporal judgment is difficult for people with ADHD. They are frequently late for appointments. Is ADHD experienced in childhood and then disappears? Most likely not. ADHD is a disorder of the brain that interferes in encoding of information, organization of internal and external environmental factors, attention regulation, behavioral control and regulation of thinking and actions. External reminders and cues are helpful to the individual no matter what age. A complete neuropsychological evaluation is the most effective method in evaluating an adult or child with the symptoms of ADHD. Once the comprehensive evaluation is completed, the person and family are able to make adjustments to schedules, environment and relationships to accommodate the person. To schedule an evaluation for ADHD in central Illinois call Central Illinois Neuropsychological Services at 217-876-7929 where Dr. Beverly Matthews will speak with you and conduct the evaluation.
June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 5
emotional
“Heart vs. Smart!” Healthy Cells magazine is pleased to present the twelfth in a series of feature articles on the subject of Grief ❣ Recovery®. The articles are written by Russell P. Friedman, Executive Director, and John W. James, Founder, of The Grief Recovery Institute. Russell and John are co-authors of WHEN CHILDREN GRIEVE — For Adults to Help Children Deal with Death, Divorce, Pet Loss, Moving, and Other Losses — Harper Collins, June, 2001 - & THE GRIEF RECOVERY HANDBOOK — The Action Program For Moving Beyond Death, Divorce, and Other Losses (Harper Perrenial, 1998). The articles combine educational information with answers to commonly asked questions.
T
hroughout this series of articles we make constant reference to the fact that understanding does not equal completion, that knowledge or intellectual awareness does not create resolution of the emotional incompleteness caused by loss. An incredible amount of our time is consumed in undoing the damage done by mixing intellect and emotions. Emotions are emotional and intellect is intellectual. When we learn to let that truth be true, we increase the probability of completing the pain caused by loss. We all know people who understand exactly what happened to them and how it happened and why it happened and who did it to them. Many of those people are in constant pain, still incomplete with the losses represented by those events and those people. Page 6 — Healthy Cells Magazine — Springfield / Decatur — June 2012
It is, by far, the most stubborn belief to shake, that if I can just understand I will be free, that I will be able to make new choices. Yet understanding is only awareness, it is not completion. Most of us were socialized to look for answers in our intellect and for most problems the intellect does contain the solutions. Emotional incompleteness is not resolved in the intellect. When the physical aspect of a relationship ends through death, we are usually left with some unfinished business of an emotional nature. In order to effectively complete and say goodbye to the physical, we must first identify and complete whatever is emotionally incomplete. The net result is an acknowledgment of the reality that the physical relationship we had is over and that we now have
a changed emotional relationship. Our emotional relationship does not end with death, but it must be brought current as we move into the new reality of life without the person who died. Divorce, almost automatically, produces tremendous emotional incompleteness. Divorce differs from death to the degree that the physical relationship usually changes, rather than ending entirely. It is important to recognize that divorce is the death of a relationship, as well as the death of the hopes, dreams, and expectations implicit in marriage. While death and divorce are different, completing the pain caused by either of those losses requires the same emotional skills. The process is identical. You must discover what is emotionally unfinished and finish it, so you can say goodbye to the physical relationship that has ended or changed. Knowing that you are incomplete, and even knowing what is incomplete is not enough. You must follow a clearly defined set of actions to help you grieve and complete the pain caused by all significant emotional losses. Grief is the normal and natural and PAINFUL emotional reaction to loss. Grief is supposed to be painful and it is supposed to be emotional. One of the natural functions of grief is to alert you to any emotional incompleteness left when a relationship changes or ends. The Grief Recovery Handbook contains the clearly defined actions will help you discover and complete the undelivered emotional communications that may be limiting or restricting your life. How often have you or someone you know been caught in that intellectual trap where you know but you don’t change? The most difficult aspect of this process is undoing the obsolete idea that knowledge and analysis equal recovery. Knowledge and analysis equal knowledge and analysis, nothing more.
Beverly J. Matthews
Grief ❣ Recovery® is a series of actions that lead to completion. Next Month: “Emotional Jet Lag” For information about programs and services, write to The Grief Recovery Institute, P.O. Box 6061-382 Sherman Oaks, CA 91413. Call 818-907-9600 or Fax: 818-907-9329. Please visit our website at: www.griefrecoverymethod.com.
Decatur 217-876-7929
Dialysis. Near where you live. Near where you work.
Springfield 217-825-9010
14 locations in the Central Illinois area.
Fax 217-876-7950
Home dialysis available.
Licensed Clinical Psychologist
bmatthewspsyd@att.net www.bmatthewsneuropsych.com
(217) 423-6760
Central Illinois Neuropsychological 5130 Hickory Pt Frontage Rd Suite 260 Decatur, IL
Professional Counseling 1124 S 5th St. Springfield, IL
June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 7
nutritional
Are You Really Hungry or
Do You Just Want To Eat? By Karen Geninatti, Ace Certified Personal Trainer, Geninatti Gym and Fitness
Y
ou are overworked, overwhelmed, and stressed…and even though you may have just finished a healthy lunch, you just can’t get that bag of chips or snickers bar off your mind. Many of my clients eat when they are stressed, not hungry. Before you give in to that craving, take a minute to think about where it is coming from. You can learn a lot about yourself from this. Score your hunger on a scale of 1 (famished) – 10 (full). If you are a score of five or above, do not eat, because you aren’t “physically” hungry. A celery stick won’t do much damage, but it won’t get you any closer to finding non-food ways to deal with stress either. Diet friendly ways to deal with stress and tension are: • Call a friend (or your personal trainer…even if only to leave a message!!) • Get a cold bottle of water, • Write down your feelings and thoughts • Exercise!!! For more information, please contact Genitnatti Gym and Fitness at 217-825-7957 or visit us at www.karegonline.com.
Page 8 — Healthy Cells Magazine — Springfield / Decatur — June 2012
Karen’s “Kickasserole”! This recipe has something in it from all the food groups! Ingredients: 1 lb. ground turkey breast Mrs. Dash original seasoning 1 cup sliced and shopped fresh mushrooms 1 cup chopped red bell pepper ½ cup old fashioned oats 1 cup low sodium salsa 2 tbsp. wheat germ 1 golden delicious apple, sliced and chopped,w/ peel on 1 cup fat free shredded cheese-mozzerella or cheddar
Directions:
In large pan or skillet, brown the ground turkey and add the Mrs. Dash, stir. stir in the oats. Add the chopped mushrooms, bell pepper and apple. Stir in the salsa and wheat germ. Pour half of the mixture into a casserole dish sprayed with olive oil pam. Sprinkle half of the cheese on top of mixture. Pour remaining mixture over the cheese, then sprinkle remaining cheese on top. Bake 15 min. @ 350 degrees
Makes 4 generous servings that include all food groups! per serving: 243 calories 36 grams protein 15 grams carbohydrates 2.5 grams fat
www.cpousa.com 888-676-2276
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June 14, 2012 - Thursday Jacksonville Office 10:00 AM - 12:30 PM
Springfield Office 4:00 PM - 8:00 PM
1521 West Walnut Street, Jacksonville, IL 62650
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Help us welcome Dana! Watch as he skydives into our Grand Opening at precisely
11:00 AM - Jacksonville 5:00 PM - Springfield June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 9
physical
Helping Seniors Drive Safer, Longer S
ince January 2011, nearly 10,000 Americans turn 65 every day, joining the fastest growing age group in the nation. According to a recent American Automobile Association (AAA) survey of that booming population, nearly half of seniors worry about losing their freedom and mobility when the time comes for them to transition from driver to passenger. From understanding how vision changes affect one’s ability to drive at night, to researching the effects certain medications can have on one’s driving ability, it’s important to get the facts about driving for seniors. Use these tips from AAA to ensure you and your family members are driving safely: Evaluate your driving It’s important to take time to consider one’s driving “health” and habits. For instance, when was the last time you had an eye exam? You can take a Driver 65 Plus self-assessment at www. SeniorDriving.AAA.com to get a clear picture of just how good your driving skills really are, and get suggestions for improvement. Be aware of how aging affects driving habits Seniors may not notice the gradual ways that age can impact their driving ability. For instance, by age 60, your eyes need three times the amount of light to see properly as they do for people 20 years-old, which means it’s more difficult to see at night. Likewise, one-third of Americans suffer from hearing loss by age 65, which means senior drivers may be unable to hear high-pitched noises such as emergency response vehicles. Reaction times can be slower for seniors as well. But preventative measures can go a long way: • Seniors should increase the distance between their car and the car in front of them to allow more time to react to sudden braking. • Eliminating distractions in the vehicle and avoiding heavy traffic can also help seniors identify emergency sirens. Page 10 — Healthy Cells Magazine — Springfield / Decatur — June 2012
Top 5 driving tips for seniors 1. Prepare for a drive by adjusting your mirrors and seat to ensure you can see properly. Always wear a seatbelt. 2. Eliminate distractions, such as the car radio, which can interfere with you ability to hear emergency response vehicle sirens and other important sounds. 3. Avoid driving in bad weather, heavy traffic or at night. 4. Making left-hand turns can be difficult for people with limited vision. Avoid left-hand turns at intersections with signals by making three right hand turns around the block when possible.
e s a e l P
let Healthy Cells advertisers know you saw their ad in
5. M anage slower reaction times by increasing the amount of space between your vehicle and the car in front of you, allowing for more time to react to sudden braking.
Find the right fit Many seniors may not realize that their car may not be optimally adjusted to fit them. For example, sitting too close to the steering wheel can cause injury should the airbag deploy during a collision. • Make sure you have at least 10 to 12 inches between your chest and the steering wheel. • When seated properly, you should be able to see the ground in front of your car within 12 to 15 feet and 1–1/2 car widths left and right. • Visit www.car-fit.org to assess the safety of your vehicle, find the proper seat and mirror adjustments, and more. Talk with your doctor and pharmacist Ensure that the medications you take—both prescription and over-the-counter—will not impair your ability to drive safely. In addition, make sure all your medications go through one pharmacy, so the pharmacists on staff can better assess any potential drug interactions. To help older drivers and their families deal with driving and mobility challenges related to aging, AAA has launched a new website (www. SeniorDriving.AAA.com) to make a comprehensive suite of tools and resources available at the click of a button. From an Ask-the-Expert feature to Roadwise Review (an online screening tool that measures functional abilities linked to crash risk) and more, all of the features are free to site visitors. The site also offers links and resources to help families find other means of transportation when their loved one is no longer able to drive safely. June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 11
personal success
My Success Can Be
Your Success Submitted by Illinois Department of Human Service
M
ost people who go by Susan Shaw’s house know it before they get there. How? Easy, it’s the smell of fresh baked goods coming from her business, Central Illinois Events and Catering, in Elkhart, Illinois. Whether it’s her breads, pies or one of seven types of butter cake, Susan Shaw’s business is prospering. The recipe for her success was simple: mix equal parts passion, determination, training, family support and the assistance of The Department of Human Services, Division of Rehabilitation. But as Susan will tell you, the road to success was a challenging one. Page 12 — Healthy Cells Magazine — Springfield / Decatur — June 2012
In 2002, Susan was successfully employed as a customer service order correspondent in Springfield, Illinois. “I handled the orders from the initial call from the sales representative, till the time the supplies were picked up and taken away.” Susan balanced her hectic work schedule with the real passions in her life—her family and her baking. “I always loved baking and cooking for my family and also for people through my church. Baking has always been my passion!” It was then that the road became bumpy. Susan was home recovering from a surgery when she noticed that she didn’t feel well. “I remember I just felt faint, sort of flu-like
symptoms. I decided to go the hospital just to make sure things were okay.” The news at the hospital surprised everyone. Susan was suffering the effects of a blood infection known as Sepsis, and was in septic shock. “My family was told I was being kept comfortable. They didn’t think I was going to make it through this.” Susan ended up losing nine of her ten fingers and all ten of her toes. “Those were the long days—I felt pretty hopeless for a while there. But I knew I had lots of family and friends to help me through this.” That support also included contacting the Department of Human Services, Division of Rehabilitation Services. Staff from DRS’s Home Services Program met with Susan and began to plan how they could help her adjust to her return home. “My work with DRS started with the very basics. They (the staff) helped me adjust to doing things without the use of fingers and toes. It really put things in perspective for me.” Little by little Susan began to increase her independence and plan for her future. She informed her DRS counselor that baking was a passion of hers that she would like to pursue for employment. Susan and her counselor worked together, and shortly thereafter she began the Hospitality and Culinary Arts Program at Lincoln Land Community College in Springfield, Illinois. Having been through so much already, Susan was determined to make it work. “I knew it would be a challenge to make it happen, but I was confident I could start my own business.” Susan discussed this with her counselor and they agreed to a business plan. The Division of Rehabilitation Services assisted Susan with some equipment to start her own business, as well as consultation on the business plan. The result was Central Illinois Event and Catering in Elkhart, Illinois.
“The Division of Rehabilitation Services assisted Susan with some equipment to start her own business, as well as consultation on the business plan. The result was Central Illinois Event and Catering in Elkhart, Illinois.” Susan’s business has picked up in a short period of time. “I now go to many of the farmers markets in the area. I also stay busy with catering, and after the beginning of the year I’ll start providing cooking classes. Things have really turned out very well.” Success for Susan is a recipe she doesn’t mind sharing. To learn more, call 1-877-761-9780 Voice, 1-866-264-2149 TTY, 1-866-588-0401 VP, or read about the Division of Rehabilitation Services at www.dhs.state.il.us. Refer yourself or someone else for services using the online Rehabilitation Services Web Referral.
June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 13
feature story
Country Financial ®
Retirement Planning: Time Is Money By Christine Venzon
Vision: To influence my clients and those
around me to do the necessary planning in order to be secure in life and to age with dignity; thru financial planning, prioritizing finances, values and goals, along with helping to identify healthier lifestyles, while sharing my values and beliefs.
W
hen it comes to saving for retirement, time is like a cat. If you respect it, it can be your friend. Neglect it, and one day you’ll find yourself wondering where it went and then you will miss it. That’s the message Julie Hale Miller tries to impart to her clients. A financial representative with COUNTRY® Financial in Chatham, Illinois, she knows that plenty of people need to hear it. “I think many people still have their heads buried in the sand,” she says. “They don’t realize how long it takes to save for a nice retirement plan and how much savings it really does take.” Page 14 — Healthy Cells Magazine — Springfield / Decatur — June 2012
The numbers bear her out. In a 2010 survey by the ING Retirement Research Institute, only 53 percent of Americans said they were saving for retirement. What’s stopping the others? Some are anxious to pay off debts. That’s understandable; credit card holders average over $6,500 debt on multiple card accounts and new college graduates leave school burdened with some $25,000 in student loans. But to pay for the past at the exclusion of the future could be shortsighted, Julie warns. “You have to find some balance. Obviously we want to get debt, especially credit card debt, paid off.”
Annuity Comparison Folks today have to create their own pension from a portion of their retirement money. It used to be that they could depend on interest from CD’s to either cover some expenses or to use for “play” money. Today’s rate on a typical 24 month CD is .76%. If someone invests $50,000 in that CD, they will earn less than $400/year for their play money. $50,000 invested in an immediate annuity could yield well over $3,000/year for a 65-year old female. Which would you rather have — guaranteed for life?
However, “if you’re in a position to save just $25 a month, and then get some of that debt paid off, and then increase that savings” you come out ahead. “People just need to plan on saving a little bit more every year, even half a percent. It’s amazing the results they’ll see.” In contrast, “you can’t make up two or three or four years” of missed savings, “especially if you’re already in your mid-30s or around 40. It’s almost too late.” Likewise, parents need to balance funding their children’s education with their own retirement. “It’s so important for parents to have their retirement on track before they think about saving any
extra for their kids. Because you can always borrow money for college, or your kids can work their way through. But you cannot borrow money for retirement.” The cost of retirement is another area where people need a wake-up call. The traditional rule that 80 percent of pre-retirement income will tide you through the golden years may not hold true. First, says Julie, that income may have to stretch farther than in the past. “With folks living longer now, you can plan to live during retirement a good thirty years, retiring at normal retirement age. And a lot of folks are retiring early.” Also, health care costs are rising, even faster than the rate of inflation, and age usually increases the need for medical services. Julie recently learned that “the normal person, through retirement, can expect close to $300,000 just in medical care and expenses. That was shocking to me, and I’m in the business.” Then there are sometimes overlooked expenses of retirement. For example, homes (like their owners) generally need more maintenance as they age. If you plan to spend more time on hobbies, you’ll need more money to indulge in them. And some retirees find themselves supporting not only aging parents, but also “boomerang” kids, grown children returning home due to financial problems. Finally, many people will spend part of their retirement as singles, especially women, and that can cost them more. According to the National Council on Aging, single seniors spend about 35 percent of their income on housing, compared to 22 percent for those living with others.
Impact of Inflation on Your Retirement Spending Goal $1,000,000 $800,000 $600,000 $400,000 $200,000 $0 Today 2012 $105,000
Beginning Retirement 2030 $178,755
Ending Retirement 2073 $637,177
Retirement Spending Goals and Inflation Since people are living longer and spending more time in retire- Example for a 46 year old male and 38 year old female desiring ment, it is more important than ever to consider the impact of inflation to retire at age of 65 with an assumed ending retirement age of 100. both before and during retirement. Assuming a 3.00% inflation rate per Income is the equivalent of $105,000* per year which represents year, what $105,000 buys today will cost about $178,755 when you about 75.00% of their current annual after-tax household earned begin retirement and about $637,177 by the end of your retirement. income of $140,000. *Other spending goals are not considered in this inflation example.
June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 15
feature story
(continued) of nursing care or assisted living. “Most people don’t want to start talking about that until they’re 50. I think you need to start making decisions when you’re 50 because of cost and health issues. At that point, if you’re already behind saving for retirement, do you really want to spend a couple hundred dollars a month for long-term care insurance?” Because these are such important decisions, Julie urges care in choosing a financial representative. Julie recommends looking at a representative’s experience (she herself has been with COUNTRY ® Financial for 15 years) and at the resources of their company and colleagues. That way, “if they don’t have a specialty or certain expertise, maybe they have another person on their team or someone they work closely with that they can refer to, or work together to specialize.” Julie is en route to becoming a specialist in retirement planning as a credentialed CASL—a chartered adviser in senior living. Save yourself some trouble by finding someone you trust. “There’s infinite sources of research that you can do, but if it’s not what you enjoy learning about, then leave it to the experts. Talk and learn from someone who does enjoy that. It’s like going to a CPA for your taxes. I have a basic idea of taxes, but I don’t care to study that before I go in. I just want to trust that they know it.” Trustworthiness is part of COUNTRY® Financial’s legacy. The company has earned an A or A+ from A.M. Best, the industry’s leading independent rating institution, for each of the last 75 years. In short, look for someone who embodies the qualities Julie strives for and included in her personal vision statement: “To influence my clients…to do the necessary planning in order to be secure in life and to age with dignity, through prioritizing finances, values and goals…and identifying healthier lifestyles.”
Julie and Barb Milman review the data booklet used in the early planning stages
Even those people who are saving may need to expand their sources of income. For example, the ING Retirement Research Institute found that two-thirds of employees who participate in employer-sponsored plans have little or no other retirement savings. And an IRA’s longevity depends on “the four percent rule”—withdraw no more than four percent of the account’s value each year. Even with that limit, Julie finds that people who “have done a fairly decent job of saving in their IRA are surprised at how little money it provides over a 30-plus-year retirement.” The foregoing factors combine to create a sobering statistic; only about 30 percent of retired couples and 15 percent of singles are financially secure. That’s why working with a financial representative like Julie is so important. To help clients plan their financial future, she starts by looking at where they are now. “We go through your assets. We come up with a net worth statement, so you have an idea of what you are worth now. We also look at auto and home to make sure you are adequately covered, especially for liability, because you wouldn’t want to lose all of your assets if you have a bad car accident.” The same is true with life and disability insurance. “If you become disabled and you don’t have insurance, then that’s going to blow the plan. Or if you don’t have adequate life insurance and your spouse passes away, you’re going to lose a second source of income, potentially. Then again, your plan goes down the drain. “And we start prepping folks early, in their late 30s, early 40s, to start thinking of long-term care insurance,” to help with the costs Page 16 — Healthy Cells Magazine — Springfield / Decatur — June 2012
“That’s where my focus is—taking care of people.”
If you would like more information on how much life insurance is right for you and your family, please contact Julie Hale-Miller at 217-483-4355.
Don’t Underestimate Inflation 1992
2007
2022
2037
$1.98
A Gallon of Milk $3.13 $4.88
$7.60
$8.71
Two Movie Tickets $13.76 $21.44
$33.40
$189.00
Car Tires $300.00 $467.39 $728.18
men’s health
Tips For Men To Stay Healthy As They Age
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ith age comes wisdom. Unfortunately, it also comes with an increased threat of developing certain health problems. Prostate cancer and other diseases affect a disproportionately large amount of American men. According to the Prostate Cancer Foundation (PCF), more than 16 million men are affected by the disease globally, and American men represent nearly 2.5 million of that figure. Given these statistics, American men should be especially vigilant about their health. With a few lifestyle tweaks and attitude adjustments, you can help stay healthy as you age. Eat Right If you’ve eaten a particular way your whole life, you might find it difficult to change. But cutting out the junk in favor of fruits, vegetables and whole grains is well worth the effort. Not only will you look and feel better, certain foods have even been proven to re duce your risk of developing diseases like prostate cancer, coronary heart disease and diabetes. Opt for fish over red meat. Evidence from several studies suggests that fish can help protect against prostate cancer because it contains “good fat”, particularly omega-3 fatty acids. Choose olive oil over margarine. While monounsaturated fat found in olive oil is beneficial to health, trans-fatty acids contained in margarine contribute to clogged arteries, high cholesterol and an increased risk of stroke and heart attack. A free nutrition guide and tasty recipes are available at www.pcf.org/ nutrition. Stay Active A sedentary lifestyle contributes to your risk of obesity, heart disease and cancer. You don’t need to become a marathon runner, however, to experience benefits from a more active lifestyle. Start with what you can handle, like a 20 minute walk once a day. If you have bad joints, consider a low impact activity like swimming. Get Checked While it’s always important to be open with your physician about your health and your family’s health history, starting at age 40 it be-
comes crucial. The older you are, the more likely you are to be diagnosed with prostate cancer and other diseases. In fact, more than 65 percent of all prostate cancers are diagnosed in men over the age of 65, according to PCF. Your doctor can help you determine your risk of developing various diseases, and make recommendations accordingly. Regular doctor’s visits are also an important component of early diagnosis. While these tests may not be fun, they can save your life. If you have a history of prostate cancer in your family, consider a yearly rectal examination and a Prostate-Specific Antigen (PSA) test starting in your forties, or even earlier if your doctor recommends it. Broader awareness and understanding of the health risks associated with aging can save lives. So don’t shy away from talking to your friends and family about your health, and theirs.
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prosthetics
Non-Surgical Options After Breast Surgery By Jill Grieff, CFm, CPOA, Comprehensive Prosthetics & Orthotics
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hen a woman is diagnosed with breast cancer she is quickly overwhelmed with many different options in regards to life after breast surgery. One option that is commonly overlooked or not offered to women is non-surgical breast reconstruction. This process involves the use of an external breast prosthesis which allows women to regain their body image and self confidence without having an additional surgery. The following steps better describe all of the options available to women related to non-surgical image reconstruction. Immediately after surgery Many times patients find it comfortable to wear a post surgical camisole that contains pockets for a puff prosthesis as well as drainage bulb holders that attach to the inside of the camisole to hold the drainage bulbs. A camisole gives minimal support for the non-surgical breast, while still providing comfort. Less than 6 weeks post surgery This stage is when the patient moves from the camisole into a cotton stretch bra that also contains pockets for a prosthesis. A weighted foam prosthesis is provided during this phase. They are light weight and non abrasive to the surgery site and still allowing symmetry. The bra typically used during this phase is soft, stretchable and fastens in the front which allows for independent closure. This stage is recommended for low activity levels. More than 6 weeks after surgery After six weeks most women’s surgery sites are healed and ready to begin wearing a fashion bra with a silicone prosthesis. The silicone prosthesis has the most natural feel and look for the patient. Life after breast surgery It is important that women build a wardrobe of choices just as before breast surgery. By keeping a variety of different style bras and prostheses it allows for options. All of the things listed above are not only allowed to be worn during those specific stages, but also anytime throughout their life. This allows them to pick and choose according to the activity level that day. It is very important to remember everyone heals differently and stages may vary. It is also important to remember that patients who have a lumpectomy are still eligible for a prosthesis. There are partial prostheses that also fit into a pocketed bra that allow women to re-create their body image. The same applies to women who have had reconstruction that is not creating the symmetry desired by the patient. There are a variety of sizes and shapes of partial prostheses to help create balance for women in this situation.
Page 18 — Healthy Cells Magazine — Springfield / Decatur — June 2012
Q and A Why is wearing a breast prosthesis important? While recreating a pre-surgery appearance helps meet the psychological needs for a positive self-esteem, the use of a breast prosthesis also serves a physiological purpose by restoring natural balance and re alignment of body weight. NOT wearing a prosthesis can create the following: • Spinal curvature • Shoulder drop • Balance issues • M uscle contracture and stretching of the neck and back When wearing a breast prosthesis, why is wearing a post mastectomy bra recommended? The bras contain pockets which secure the prosthesis and allows it to move with the body. A mastectomy bra is designed to allow a higher fit under the arm where tissue may be missing. The straps are set closer in the back to help balance the prosthesis weight. Side frames help support, anchor and balance the band around the body.
If reconstruction is planned, will a prosthesis be needed? Since decisions related to reconstruction need not be scheduled at the time of the initial surgery, patients can choose to “bridge” the time with a prosthesis to recreate the patient’s body image until reconstruction is performed. Will insurance pay for a breast prosthesis and bras? Many private insurances as well as Medicare have a set allowable on non-surgical breast care options. However, this amount varies depending on the patient’s insurance policy. It is suggested the insurance be contacted to determine benefits, restrictions and patient responsibilities. Jill Grieff is an ABC Certified Fitter of Mastectomy and Lymphedema at Comprehensive Prosthetics & Orthotics, Inc. (CPO). CPO provides patients in Central Illinois with prosthetic and orthotic devices and care, and also houses an on-site fabrication department where custom orthoses and prostheses are designed and created for each patient. CPO can be reached by calling toll free 888-676-2276. Visit the website at www.cpousa.com.
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take action
Stress and Smoking
What are your Stressors?
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tress comes in all shapes and sizes, from major life events to daily hassles that add up over time. Dealing with many small stresses can weigh you down and wear you out as much one large stressor. Sometimes even happy events can be stressful. Ever felt like the holidays were a rough time? Kids can be a source of stress, and so can being pregnant, even when the parents are happy the baby is on the way. Knowing your stressors is an important step in finding ways to deal with them. What are the stresses in your life? Take the stress quiz at www.smokefree.gov to see what stresses you out. The stress-smoking link Stress is a reason why many people smoke. When you have a bad day, it can seem like your cigarettes are your only friend. Cigarettes can Page 20 — Healthy Cells Magazine — Springfield / Decatur — June 2012
help you calm down, relax, and feel like you are pampering yourself. Sound familiar? But you know that smoking is also hurting you and the people in your life. Stress is part of life, so a key part of quitting smoking for many people is finding ways to handle stress and take care of themselves without smoking. So, it is worth spending some time thinking about and looking for ways to deal with the busy days that are so often a part of life. Dealing with stress Here are some tips that many people have found helpful. Some of the ideas on this list may be perfect for you; others may not be your style. Some take practice, some work right away. Try them out. Come up with your own ideas. If something works for you, great! If not, it’s no
big deal. Simply try another one. You are the only person who knows what works best for you and what doesn’t. Keep looking for ways to make your quitting and your day easier. Ideas people have used to help with stress: • Take a break. Even if it is just for a few minutes, find a way to step back from what is happening. This might mean doing something that is relaxing, actually getting away from it for a while or taking a “mini vacation” in your head by imagining you are somewhere else. • Deep breathing. Take a few slow, deep breaths. For an extra benefit, breathe in through your nose and out through your mouth. You will feel your body relax. • Visualize. Close your eyes and imagine you are in a place where you feel safe, comfortable, and relaxed. It can be a real place or one you make up. Picture it as clearly as you can, including imagining what you would feel, hear, and maybe even smell if you were in that relaxing place. Let yourself enjoy being there for a few minutes. • Exercise. When your body is active, it sends out natural chemicals that help your mood and reduce your stress. Walking is one of the easiest exercises for most people. Even a short walk every day will help you to reduce your stress and improve your health. And it is free! • Focus on relaxing your body. Our bodies hold on to stress and tension. Stop for a minute and pay attention to your body and you will find places that are tight and tense. Finding ways to reduce that tension will also help your mental stress. Easy ways to do this include things like stretching, exercise, or getting a massage. Even a few minutes of rubbing your shoulders, neck, and head can release lots of tension. • Talk to someone for support. Sharing your thoughts and being involved with other people is a great way to help reduce stress.
• Focus on the here and now. Many of us spend a lot of energy worrying about things that may go wrong in the future and how bad they might be. Instead, try focusing just on what is happening now, not on what you might have to deal with in the future. •A ccept that stress happens. Life is full of twists and turns. You will always have some stress in your life. It is often helpful to accept that there will be good days and bad days and not worry too much about the bad days. Tomorrow will be a new day. •T ake care of yourself. Especially right after quitting smoking, you should make extra efforts to take care of yourself. This includes basic things like: · Eating a balanced diet · Drinking lots of water · Getting enough sleep •C ut out caffeine. Caffeine helps keep you awake when you are tired, but it also can make you feel tense, jittery, worried, and stressed. So if you are feeling stressed, drinking caffeinated coffee, tea, or soda is like adding stress on top of your stress! This is especially true when you are quitting smoking. Cutting back or even eliminating caffeine can help reduce your feelings of stress. •F ace the problem. Things that are happening in your life cause a lot of stress. Stop and think about what makes you stressed. Is there something you could be doing to fix the problem? It can be helpful to talk with others about what is happening and see if there are ways to make it better. For more information, please visit www.smokefree.gov.
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professional support
Dealing with Dementia Submitted by Psychology Specialists
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ou were sure you left your keys on the table, but yet you can’t find them anywhere. You’ve also noticed that you’re having some trouble remembering people’s names and or things that you meant to pick up at the grocery store. As we get older, we find these lapses in memory happening more and more often. How is one to know what is part of normal aging and what is indicative of something more serious? Dementia is a term that many people use, yet may not know the actual definition. The Mayo Clinic defines dementia as “a group of symptoms affecting intellectual and social abilities severely enough to interfere with daily functioning.” A person with dementia is likely to have impairment in several areas that are severe enough to reduce their ability to function independently. Dementia is more Page 22 — Healthy Cells Magazine — Springfield / Decatur — June 2012
severe than mild cognitive impairment. The Mayo Clinic described mild cognitive impairment as consisting of cognitive and behavioral symptoms that are more severe than normal aging, yet do not significantly impede daily functioning. This means that the person may notice that they’re having more trouble than others in terms of taking care of himself and remembering things, but the problems aren’t severe enough to warrant a dementia diagnosis. There are several different types of dementia. Each has differences in terms of how symptoms develop and progress. Most people have heard of Alzheimer’s Disease, which is the most common cause of progressive dementia. Vascular Dementia is another form that is related to strokes and other vascular issues. The risk of developing Vascular Dementia increases in relation to health problems
You’re a busy woman. Let us help. You keep your family organized and you have a plan for everything. But if life insurance isn’t a part of your plan, there’s a problem. Help your family become financially secure for the future. Call me today. related to heart disease. There are other forms of dementia but these are the most common forms of progressive dementia. When clinicians see a patient presenting with symptoms that are similar to dementia, depression must be ruled out first. It is possible to be depressed and have a form of dementia, and sometimes the symptoms of depression are so similar to dementia that the patient may be misdiagnosed. Pseudodementia may be diagnosed if the patient’s symptoms are similar to dementia but are actually due to depression. People that are depressed can become much more forgetful that usual, be increasingly irritable and may neglect self-care. It is important to keep in mind the varying possibilities in order to avoid jumping to conclusions. What is a person to do if he/she notices some of these changes in a loved one? Encourage the person to see a doctor immediately in order to be assessed. Sometimes people may be resistant to this idea because they feel as if nothing is wrong. If your loved one will not see a doctor, it can be beneficial to contact his/her clinician yourself, explain the situation and ask for suggestions. Also, researching information on the Internet and seeking support would be beneficial. If your loved one has already been diagnosed with dementia or has a similar cognitive impairment, support groups are available, both online and locally. The Alzheimer’s Association is a great place for resources and has staff available to help. Speaking with professionals and others that can offer suggestions on how to safely maximize independence and functioning can ease the stress of caregivers as well as the affected individual. For example, a clinician may help to draw attention to the person’s strengths and help them focus on what they are capable of doing, rather than what they now require assistance with. There are devices that can help to maintain safety while cooking and to prevent wandering. It is also beneficial to encourage your loved ones to keep mentally active and physically active. Type II diabetes has been shown to lead to an increased risk of developing Alzheimer’s Disease, and as mentioned previously, heart disease is linked to Vascular Dementia. These are preventable conditions that can lead to improved mental and physical health. Additionally, participating in varying forms of mental exercises is more beneficial than doing just one kind of puzzle/game. Working with professionals can help to cope with a dementia diagnosis as well as contributing to the best possible quality of life. Psychology Specialists is a group of doctors and counselors with a broad range of specialties who help people with all types of physical and emotional pain. For more information, contact us at 309-648-0782 or visit www.psychologyspecialists.com.
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women’s health
Tips For Women To Prevent
Common Health Problems Y
ou may not realize it, but your lifestyle could be putting you at risk for common health problems that afflict women. National Women’s Health Week, observed May 13-19, is a great reminder to brush up on some facts that can help you stay healthy. Breast Cancer The causes of breast cancer are complicated, but some significant risk factors are preventable. Obesity is one such risk, and even moderate weight loss helps protect you. Cutting down on alcohol will also improve your chances of staying breast cancer-free. It’s impossible to eliminate your risk entirely, but early detection will improve your prognosis. Conduct regular self-breast examinations and let your doctor know if you detect anything unusual. Follow the National Cancer Institute guidelines and get a mammogram annually when you turn 40. Toxic Shock Syndrome You may regard Toxic Shock Syndrome (TSS) as rare, but one in 700 women will experience tampon-related TSS, according to You ARE Loved, a non-profit working to educate girls and women about the disease. TSS is a bacterial infection characterized by sudden high fever, diarrhea, rash, muscle aches and headache. You can significantly reduce your risk of this lifethreatening disease with a trip to the drug store. “Historically, tampon use has been linked to half of all TSS cases, so simply switching to a safer product is a terrific safeguard against this disease,” says Dr. Christine Ko, an expert in women’s health. You likely are familiar with pads, but there are alternatives you may find more convenient. For example, Softcup is a flexible cup worn internally around your cervix. It’s hypo-allergenic, latex-free and has never been linked to TSS. There’s an added benefit too: products like Softcup can be worn for up to 12 hours and don’t leave behind the residual fibers and traces of bleach, dioxins and other residues that tampons can. It won’t change your body’s natural pH or bacteria levels either, reducing your risk for infections. More information on reducing TSS risk can be found at www.softcup.com. Page 24 — Healthy Cells Magazine — Springfield / Decatur — June 2012
Heart Disease Many people think heart disease is an exclusively male risk. But women also need to protect their hearts. While severe chest pain is a symptom often associated with heart disease in men, women need to watch for different signs. Talk to your doctor immediately if you experience neck and shoulder pain, dizziness, fatigue and sweating. You’re never too young to take steps to prevent heart disease, particularly if it runs in your family. You can keep your heart healthier by reducing saturated fat, cholesterol and salt in your diet, and getting regular exercise. While depression and smoking can adversely affect anyone’s heart, The Mayo Clinic reports these risk factors are greater in women. So cut out cigarettes and take steps to treat mental stress right away. Most importantly, learn your risk for common health problems, so you can take steps to improve your chances of staying healthy.
the right dose
What is Metabolic Medicine? By Tom Rohde, MD, Renew Total Body Wellness
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eople see a doctor for help with many issues: aches, pains, fatigue or a general feeling of ill health. Patients are usually given a prescription for some sort of medication to relieve the symptoms. For example: if you have heartburn, take Prilosec; if you have trouble sleeping, take Ambien; high cholesterol, then Lipitor may help the problem. The problem with this traditional (allopathic) approach is that it only addresses the symptoms, not the underlying cause, and it often ties you to a lifetime of using the symptom-controlling medication that resolves nothing. The number of people suffering from a plethora of chronic disease, such as diabetes, arthritis, auto-immune disorders, heart disease etc. is increasing at an alarming rate, despite the fact that we have more medications to “fight” such diseases than ever before. Clearly, something needs to change. There are some physicians that are taking a new approach to health care. They are practicing what is called Functional or Metabolic medicine. This is a science-based approach to health care that treats the whole person and strives to find the underlying cause of a person’s symptoms or disease. Why do you have heartburn? Why do you have high blood pressure? Why do you feel tired? Metabolic medicine includes nutritional, homeopathic, herbal, environmental, anti-aging, holistic, functional, and preventive medicine all rolled into one. Metabolism is the process your body uses to make energy from the food you eat. This energy runs multiple chemical and hormonal reactions in the body that allows for normal functioning. A metabolic disorder occurs when abnormal chemical reactions in your body disrupt this process, leading to imbalance, which leads to disease or illness. One area of imbalance in your body is like one unbalanced wheel on your car—you can feel it in the entire vehicle. A good example is diabetes. It is a metabolic disorder in that includes the pancreas and insulin production but it involves other metabolic problems that begin to negatively affect multiple areas and organs of your body. Insulin injections will control the sugars but won’t touch any of the multiple other underlying metabolic processes destroying your body!
Traditional mainstream medicine often uses man-made drugs to try to alter the natural process of metabolism and induce an artificial state in which undesirable symptoms are suppressed. Unfortunately this does not often allow the body to heal or restore the symptom inducing abnormalities to facilitate the return of the body’s natural function. Frequently these medications often affect other metabolic systems and can lead to further problems or side effects. All of your body’s systems and biochemical functions are about balance. Your body will heal and return to balance or homeostasis given the right ingredients and support. A physician who practices metabolic medicine identifies the areas where the breakdown of normal metabolic processes, which are causing your specific symptoms through comprehensive specialized testing. Once they have determined the cause of your symptoms, they can then help you start an individualized restoration program to return your body to full function through various treatment modalities. These treatments might include lifestyle change such as nutrition enhancements, supplying missing nutrients or hormones, detoxification, supporting or readjusting the immune system, or encouraging the release of personal stress; and then working to prevent future recurrence of the problem. As an aging “baby boomer” I desire to maintain my health through hormonal balance at an age appropriate level. I augment a reasonable lifestyle and a healthy diet with natural hormones and nutritional supplementation to be my best! I also maintain my outward appearance in a manner similar to how I maintain my inner health as it is my belief that our appearance has much to do with how we feel, how we function, and how we interact with others. A metabolic physician has special training to uncover root causes and correct underlying dysfunctions that are the foundation of chronic disease. This comprehensive, individualized process takes time and requires the patient to be an active participant to improve their health. Are you ready? Then visit my website at www.DrRohde.com, or call 217-864-2700 for your personalized evaluation and a start to a healthier you! June 2012 — Springfield / Decatur — Healthy Cells Magazine — Page 25
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