Our Time - 2012

OurTime LIVING 50 PLUS IN NORTHEAST INDIANA MAY 2012

Baby Boomers Still have time to save for the future

Getting Older No reason to stop exercising Since

THE NEED TO BE FREE Retirement can be filled with fun

THE

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HERALD REPUBLICAN The

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May 25, 2012

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May 25, 2012

Our Time

3

Baby boomers can still save for their futur es

BY DENNIS NARTKER dennisn@kpcnews.net

For over 50s, having little or no savings is a scary situation, but it doesn’t need to be that way.

You may be panicking after reading about the future costs for health insurance, food, travel and general living expenses even though your mortgage is paid off and you have job security until you retire.

There are ways to save money, even if you’re getting a late start in life.

Mike Axel, a Certified Financial Advisor, and president and founder of AMI Investment Management, Inc. in Kendallville, has the following advice for over 50s saving for the future: • Write down specific savings goals.

Start with an estimate how much income you will need in retirement. Look at your sources of income such as Social Security benefits, pension, 401k, IRA and savings

then work backward to determine how much you will need to save today to meet your future income needs.

• Create a monthly budget, and track actual spending verses that budget.

• Create a personal balance sheet with a listing of you assets and debts.

• If you are behind in your savings for retirement, there are special “catch up” provisions to get back on track. For example, if you are at least 50 by the end of the year, you have an opportunity to play catch-up by funding your retirement nest egg if you contribute to an IRA or make salary deferral contributions to a 401k, 403b or 457 plan.

• Cut back on everyday expenses where possible. Cut back on eating out and entertainment. Reduce expenses by $50 per week, and add to your monthly savings, and it would accumulate to approximately $79,914 over a 20-year

period with a 4 percent compounded interest rate. A savings instrument with an even better rate of interest will mean more accumulation of money over the same period.

• Increase the amount you add to your next egg each year. Adding $10,000 per year would produce approximately $495,000 over a 20-year period.

• If your employer offers a matching contribution under a salary deferral program, such as a 401k plan, try to contribute as much as is necessary to receive the maximum matching contribution.

• Consider whether you will need to modify the lifestyle you planned to live during retirement. Travel less than you planned to until retirement, live in an area where the cost of living is lower, sell your home and move into a less expensive home to maintain are examples of lifestyle

changes to improve your savings.

• Revise your budget to weed out some of the nice-to-haves and leave only the must-haves.

You may be slowing down physically and mentally, but over-50s should stay active and interested in life by getting out of the house and meeting people.

Welcome Baby boomers may be getting older, but they’re certainly not slowing down!

Whether you’re looking for ways to stay healthy, get inspired to do new things, travel, save money or get involved in the community, this section has something for you.

This guide is also available online at kpcnews.com.

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May 25, 2012

Housing options for seniors multiplying

BY BOB BRALEY bobb@kpcnews.net

AUBURN — The days when housing choices for senior citizens consisted of their home, their children’s homes and the nursing home are past.

“The face of our business is changing,” said Mike Gerig, director of marketing and admissions for Betz Nursing Home, an American Senior Community in Auburn.

“There are many, many more options than there were for my grandparents.”

These days, people can choose a level of care and, for some situations, have the option of choosing short-term care, Gerig said.

One of the biggest changes in recent years is the boom in independent living units, Gerig said. “We built 38 independent living villas next to our nursing home.

Each villa has two bedrooms and a garage,” he said.

Most independent living areas that are linked to a nursing facility are set up so people living in an independent living facility who develop health problems can

This room is part of the new wing designated for people suffering from memory loss at Betz Nursing Home in Auburn. Specialized care areas and facilities providing different levels of care are becoming more prominent, giving seniors and their families more care choices.

BOB BRALEY

move into the health facility, Gerig said.

That’s how Betz is set up.

There are also independent senior housing units available, Gerig said.

Another new development is assisted

living facilities, Gerig said. “It’s kind of like living in a little hotel with room service and help.”

Many assisted living facilities are linked to long-term care facilities, Gerig said. One

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independent assisted living facility in the Auburn area is Smith Farms Manor.

Another care option many providers offer is respite care, Gerig said. Caregivers can drop their loved one off for the day, almost like an adult day care, he said.

There also are in-home health care networks, including those linked to our hospitals, Concierge for You and Angels Corps, Gerig said.

Rehabilitation with short term stays of 7-20 days is becoming an emphasis of many senior care facilities, Gerig said.

Betz is one of those, with therapy rooms and a complete slate of care for postsurgery rehabilitation, Gerig said. “We have a complete, state-of-the-art therapy gym,” he said.

Another type of specialty care is for those who are cognitively impaired, Gerig said. “We also offer one whole wing that’s strictly for memory care. It’s set up to be a comfortable place, a home-like setting.”

And, of course, long-term care such as nursing care is still an option, too, Betz said.

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May 25, 2012

Our Time

5

Council on Aging offers a variety of opportunities

BY JENNY KOBIELA-MONDOR jennyk@kpcnews.net

Their building may be called the Heimach Senior Activity Center, but director Meg Zenk says the DeKalb County Council on Aging offers a variety of activities and assistance for everyone. â&#x20AC;&#x153;Weâ&#x20AC;&#x2122;re not age-limited by any means,â&#x20AC;?

Zenk said. â&#x20AC;&#x153;We had the most fun dance a month ago, and we had a lot of younger people.â&#x20AC;?

One of the most popular things is the centerâ&#x20AC;&#x2122;s exercise room. â&#x20AC;&#x153;We probably have about 15 pieces of equipment, and youâ&#x20AC;&#x2122;ll find almost every single one of them in useâ&#x20AC;? many days, Zenk said. The center also has billiard tables.

The Heimach Center also has several opportunities for people who need food assistance. The center has a small food pantry, and a farm wagon serves the center.

The Senior Pak program also delivers food to low-income people over the age of 60.

Other opportunities at the Heimach Center include: â&#x20AC;˘ SUPPORT GROUPS. Parkinsonâ&#x20AC;&#x2122;s, grief and loss, low-vision, Alzheimerâ&#x20AC;&#x2122;s caregivers and diabetics are invited to join support groups at the Heimach Center. â&#x20AC;˘ HEALTH FAIRS. Offerings at a recent adult health fair at the Heimach Center included blood tests, screenings, health booths, giveaways and complimentary breakfast. Adults of all ages attended, Zenk said. â&#x20AC;˘ PROGRAMS to help people protect themselves. The Heimach Center has been holding self-defense classes for men and women, and periodically holds seminars on scams, theft, rape prevention and other issues through the Auburn Police Department and DeKalb County Sheriffâ&#x20AC;&#x2122;s Department. â&#x20AC;˘ TRAVEL. The DeKalb County Council on Aging sponsors many tours and travel opportunities, both regionally and throughout the United States. â&#x20AC;˘ TAX AID. Adults of any age can come the Heimach Center near tax time for help filing tax returns.

Contact information for Councils on Aging DEKALB COUNTY: 925-3311 or 888-220-2242, dekalbcountycouncilonaging.org STEUBEN COUNTY: 665-9856, steubencoa.org NOBLE COUNTY: 347-4226, noblecocouncilonagin.tripod.com LAGRANGE COUNTY: 463-4161, lagrangecoa.org

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Events at the Heimach Center include bazaars, dances, luncheons and parties.

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â&#x20AC;˘ REFERRAL SERVICES. The DeKalb County Council on Aging offers information on a variety of social services for seniors, their families and others seeking assistance.

Zenk also said that the DeKalb County Council on Aging is always looking for people to get involved by volunteering at the Heimach Center. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s a nice opportunity for them,â&#x20AC;? Zenk said, â&#x20AC;&#x153;but it also saves the agency money.â&#x20AC;?

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May 25, 2012

The need to be free Area woman fills retirement with variety of activities

BY JENNIFER DECKER jdecker@kpcnews.net

PLEASANT LAKE — Since Carolyn Powers, Pleasant Lake, retired one year ago, she’s visited five foreign countries, continued playing dulcimer music and started her wool-product business.

And that’s only a few of her accomplishments during retirement.

Powers has been in education for more than 40 years. She retired as an administrator in the Fort Wayne Schools, where she put in 11 years, including working as principal at three buildings. Before that, she was a teacher and guidance counselor.

“I gave up being in a position where I could affect education and the outcome of students,” she said. “That’s the part I like

best is connecting with children. I think it’s time to empower someone else to do this.”

But she didn’t stay out of education long. She yearned to return to the classroom to teach and did just that for the Steuben County Literacy Coalition, becoming after-school site coordinator at Hendry Park Elementary School.

Her teaching caused her to question and develop a curiosity about her world. That has led to her globetrotting to five foreign countries: Slovakia, the Czech Republic, Poland, Italy and England. She has also found time to travel domestically in the United States to New Mexico, New Orleans, Atlanta, Houston, Arkansas and even to attend a Green Bay Packers’ game.

Powers has developed her own company that makes wool items. “I recycle wool and recreate it into purses and gloves. I shop everywhere and have friends give me (wool),” she said. “I hate to let wool go. I look for wool all over the world.”

As part of her business, she creates pictures from photos she has taken of the 34-acre restored prairie she lives on with

JENNIFER DECKER

Carolyn Powers, Pleasant Lake, has filled her retirement with her own wool company, playing the dulcimer, gardening, travel and being site coordinator for the after-school program at Hendry Park Elementary School.

her husband, Elten Powers. Currently, they are in the seventh year of restoring the prairie. “The flowers are so beautiful and I wanted to capture that,” she said.

She finds time to also stay active as president of the Chapel Ridge Lions Club, do yoga, and garden her herbs — basil, thyme, sage, rosemary.

Powers also enjoys playing the dulcimer, which she learned six years ago at a workshop at the Carnegie Public Library of Steuben County.

She said she felt Angola is a good place for baby boomers to live, as Powers said: “I think we need to be free with who we are.”

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May 25, 2012

Our Time

7

Travel options vary in price, destination

BY MICHAEL HAYNES

With 32 years in the business, it is safe to say that Ron and Mary Godby are travel experts. The husband-and-wife team operates S & S Travel, Inc., along with their daughter, Sheryl, who joined the team five years ago.

Specializing in motor coach tours, the Godbys organize trips across the country and Canada and also help coordinate overseas trips.

Ron said their market is 99 percent seniors. He said trips can range from one day to 19 days.

“The seniors prefer the one-day trips,” said Ron. “We’re real diversified on what we do. There are interesting things to see in all places.”

He said dinner theaters are popular trips and one of their lower-cost options. A future dinner-theater trip is set at $82 per person.

Another low-cost travel option would be a day trip to Chicago for shopping or a baseball game, both popular trips with the Godbys.

“As far as a range of what a one-day trip costs, you go fr om $85 or $90 all the way up to $145 for the Pompeii exhibit.”

Ron Godby Travel Expert

•

The cost for traveling “depends on what you want to do,” said Sheryl Godby. She explained that traveling on a one-day tour to Warsaw to the Wagon Wheel Theatre would cost between $80-$95.

A one-day tour also could consist of a trip to the Cincinnati Museum Center for “A Day in Pompeii,” which includes a riverboat cruise.

“As far as a range of what a one-day trip costs, you go from $85 or $90 all the way up to $145 for the Pompeii exhibit,” said Sheryl Godby.

Ron Godby said the majority of these cost pays for the motor coach and its mileage.

Other extended-stay trips can be more on the high end. According to the Godbys’ March 2012 Tour Calendar, a 13-day excursion to Alaska planned for September will cost between $3,749 and $4,649 per person, depending on the choice of outdoor, indoor or balcony cabin rates.

The Alaska trip, as well as a two-week trip to Canada and a trip to San Antonio, Texas, can be more costly because of the price of the attraction, plus hotel and tour bus costs.

The number of days spent on a trip usually corresponds with the cost of the trip. Some attractions are free, which can reduce the overall cost of a trip.

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May 25, 2012

‘Be careful … because they are tender!’

Grandparents share funny kid stories

BY GRACE HOUSHOLDER graceh@kpcnews.net

Many people say that the best part of becoming older is the arrival of grandchildren.

Grandparents enjoy doing fun things with grandchildren and, in general, letting the parents do the more labor intensive tasks.

From my files, here are a few stories from 2000 and 2001 shared with me by grandparents. Enjoy the trip down memory lane.

On the way home from kindergarten little GRACE Walker commented to HOUSHOLDER his friend, “That’s where my Grandma and Grandpa live. They are really old. You have to be careful with them because they are tender!” — Jeanne Healey (great-grandmother of Walker) of Ashley Sharon was playing outside with her grandson Ben, 6, when he asked, “Grammy, how come you don’t have any kids?” — Sharon Stark of Kendallville Concerning the controversy over who would become president following the Bush/Gore deadlock, Caroline, 6, told her mother: “Well, if there’s no president by Christmas, we’ll be a free country!” — Sharon Stark (grandmother of Caroline) of Kendallville, Morgan, 3, had been visiting her grandmother Shirley for the weekend. Morgan was in the midst of potty training. For the long drive home, Shirley put a “Pull-Up” on Morgan. (Pull-Ups are disposable underpants that are absorbent like diapers.) As luck would have it, they got stalled in traffic on the interstate due to highway repairs. Morgan was getting increasingly antsy, and told Nanna Shirley she had to go pee really bad. Shirley replied that she would just have to wait until the traffic began moving again so she could get to a restroom. A while later, Shirley told Morgan that she had to pee too, and would find a restroom as soon as she could. Morgan replied, “Oh, just go in your panties, Nanna. I did!” — Carol Blackman of Kendallville, Indiana, about her friend Shirley Hitzeman of Lowell

•

PHOTO CONTRIBUTED

Claudia Miller of Hamilton sent this photo of Norah and Meredith Miller at the beach in Destin, Fla. They were searching for tiny shells in the sand. “It seems a universal

David, 5, “helped” his mother prepare his grandpa’s birthday dinner. He even helped wrap the gift, which was to be a surprise. His mother cautioned him again and again not to tell his grandpa about the gift. At dinner David sat beside his grandpa and talked throughout the whole meal. At last he hesitated for a moment, tugged at his grandpa’s sleeve and said, “Do you know what, Grandpa? It sure is hard to wrap an umbrella!” — Phyllis Dame (David’s grandmother) of Garrett Kari, 4, was feeling under the weather. She asked her mother for some gum. “I don’t think you need gum if you don’t feel well,” her mother said. “Well, my mouth is OK!” Kari quickly replied. — Gabby Davis (Kari’s grandpa) of Kendallville Koty, 4, went to visit his great-grandparents. While he was there, Great-grandpa Jones put his arm up and flexed his muscle. “Koty, do you have one of these?” he asked. Koty

moment so many experience to sit on a warm, sandy beac h, sifting sand through our fingers, looking for the perfect shell,” the grandmother wrote.

pulled his sleeve up, tried to make a muscle and said, “Wait a minute, it’s coming!” — Susan Jones (grandmother of Koty) of Corunna Barb is well-known as an avid bridge player. One day Kari, 4, asked, “Grandma, do you like to play bridge?” “I LOVE to play bridge!” Barb replied. “Do you walk over the bridge or do you run under it?” asked Kari. — Barb Davis of Kendallville, One Sunday at church someone asked Kari how old she was. “Four,” she replied. “When will you be 5?” the person asked. “When I grow up!” Kari replied. — Barb Davis of Kendallville, The Rev. Dan Barker was giving his granddaughter Kylie, 4, a ride on his shoulders, when she commented that she could see some white in his hair. “That’s because I’m getting older and wiser,” Rev. Barker said. Kylie replied, “You’re not older… and you’re not wiser.” — Rev. Dan Barker of Kendallville

Every year Gary loves to go mushroom hunting in the spring. When they started out on their annual spring ritual, his little granddaughter, Jade, asked, “Why do they call it mushroom hunting when you don’t have to shoot them?” — Gary Housholder of Avilla Katie has three children — twin girls and a boy. When great-grandma came to visit, she rode in the back seat with Katie’s son, about 5, and Katie overheard this comment, “Grandma, why do you have all that extra skin?” — Katie Brown of Yoder, Sasha, 3, was eating with her parents in a restaurant. There was a bald man at the next table. Sasha piped up, “Look, Mom, him forgot him hair!” — Beverly Sparkman (grandmother of Sasha) of Rome City Do you have a story to share? It would be greatly appreciated! Email it to graceh@kpcnews.net or call 347-0738.

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May 25, 2012

Our Time

9

Being over 50 no reason to stop exercising

BY MICHAEL HAYNES

At the Cole Center Family YMCA pool in Kendallville, Phyllis Spicer, 90, and Iva Maldeney, 83, both of Kendallville take a dip in the water to get some exercise.

Spicer and Maldeney are part of a group of seniors who participate in an exercise class that meets three times a week.

“Nobody has more fun than I do,” said Spicer. She has been exercising at the pool for about 17 years, while Maldeney has joined her for about nine years.

Maldeney enjoys exercising and said it is a good way to “keep you young.”

Spicer said, “My son says, ‘Now, Mom, you’ve got to make 100, you know?’ I said, ‘I’m not so sure about that.’”

“You might make it if you stay here in the pool,” Maldeney responded.

Apart from having arthritis pain alleviated by being active in the water, the two women are motivated to go to the pool for the social aspect.

Camaraderie is one reason Carl Hansen, 56, of Auburn keeps running for exercise. However, he didn’t always like running.

“I could never understand why anyone would ever run 2 1/2 miles,” he said, thinking of his time in high school.

After high school, he joined the U.S. Marine Corps, where he said he started to learn about discipline.

When he came out of the Marine Corps, he started running after he saw some old high school friends build camaraderie while they ran.

Now, he has been running for 30 years.

See EXERCISING page 10

MICHAEL HAYNES

Phyllis Spicer, left, and Iva Maldeney relax by the pool at the Cole Center F amily YMCA in Kendallville.

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More boomers going online to find love

EXERCISING From page 10

â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m 56 years old, but I run like Iâ&#x20AC;&#x2122;m 19, or 18 maybe,â&#x20AC;? said Hansen. â&#x20AC;&#x153;I am the same size and weight as when I was 23. I enjoy keeping that youthful physique.â&#x20AC;?

Last month, he ran in Chicagoâ&#x20AC;&#x2122;s seventh annual Race to Wrigley 5K Run. Out of more than 10,000 runners, Hansen won his age division and placed 66th overall. â&#x20AC;&#x153;I still get my fun racing against younger people,â&#x20AC;? he said.

Staying young and exercising as a group also are incentives for Kim Poffenberger, 57, of Albion to remain active by participating in a tai chi class for the past five years. â&#x20AC;&#x153;We were able to visit the roots of our tai chi ancestors,â&#x20AC;? Poffenberger said of his opportunity to go to China. â&#x20AC;&#x153;It was really educational, energizing and eye-opening.â&#x20AC;?

By practicing tai chi, Poffenberger said he can continue doing the activities in life he wants to do.

BY METRO CREATIVE CONNECTION

Individuals over the age of 50 are turning more frequently to Internet dating to find a new significant other.

After losing a loved one or completing a divorce, many baby boomers are considering getting back into the dating pool.

Internet dating sites often provide a good number of candidates for busy people to consider. In busy times filled with work responsibilities and family obligations, logging on to the computer to find a date can be much easier than finding a date in a social setting.

Twenty-two percent of the registered members of Match.com are over the age of 50. Thereâ&#x20AC;&#x2122;s a good chance that other popular dating sites also have a growing number of older participants as well. There are also dating sites geared to the over-50 crowd to make narrowing down prospects even easier.

Finding oneself in midlife and looking for a date or new mate is actually quite

common. Thousands of people are in the same situation. In a September 2003 study of singles aged 55+, The American Association for Retired People discovered that 49 percent said of respondents cited, â&#x20AC;&#x153;Having someone to talk to or do things withâ&#x20AC;? as the most important reason for dating.

SENIORS DATING CAN HAVE A UNIQUE SET OF CHALLENGES IN COMPARISON TO YOUNGER DATERS. THESE INCLUDE: â&#x20AC;˘ Habits or routines that have developed after months or years of living single. â&#x20AC;˘ Added baggage from divorce. â&#x20AC;˘ Older children who may not be keen to their parents dating again. â&#x20AC;˘ Elderly parents who need care. â&#x20AC;˘ Physical appearance woes, such as wrinkles and extra weight. â&#x20AC;˘ Medical conditions that may be embarrassing or serious. â&#x20AC;˘ Self-esteem issues from being out of the dating loop for so long.

Baby Boomers now represent more

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than a quarter of the population, and many are being spurred on by children to look into online dating.

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May 25, 2012

Boomers splurging on sports cars

BY METRO CREATIVE CONNECTION

People born between 1946 and 1954, collectively known as Baby Boomers, are trading in their family vehicles for something with a little more power — sports cars. When the nest is empty (and sometimes before), the vehicle of choice becomes a sporty, fast little ride that may be the envy of all who see it.

Baby Boomers tend to have a higher income and/or a surplus in savings after retirement and choose to expend some funds on a car that will make waves. Convertibles are a popular choice among this demographic, as are other roadsters that turn heads. Here are some of the more popular models you’ll see cruising the roadways with Boomers behind the wheel, according to statistics from TrueCar.com.

• CHEVROLET CORVETTE: The quintessential American sports car, Corvettes are especially popular among Baby Boomers.

Boomers flock to Corvettes more than any other age group, with nearly 64 percent of buyers belonging to the Boomer generation.

• VOLVO C70: A turbo-charged, 5-cylinder engine provides enough power to give a thrill to many Boomers. And with a convertible top option, it’s possible to have a breeze running through their receding hairlines, too.

• MERCEDES BENZ SL: If it’s status and substance that Boomers desire, then there’s no looking beyond a Mercedes. Affluent Baby Boomers can enjoy a V8 engine and plenty of electrical gadgets to make their rides fun.

• BMW 6 SERIES CONVERTIBLE: Another premier car for the elite Boomer, the BMW sees 80 percent of its sales going toward Boomers. The 6 series is quick and has understated good looks, which also helps the vehicle serve as a status symbol for those behind the wheel.

• PORSCHE BOXTER: For those who have always aspired to be behind the wheel of a Porsche, the Boxter is small and sporty, perfect for handling the turns on the way to a country winery or maneuvering around traffic in an urban setting.

According to industry experts, Baby Boomers have long driven the direction of the automotive industry. Many desire to stay away from the brands and styles their parents drove, preferring something with more pep and style.

In addition to the makes and models mentioned, CNW Marketing Research, a firm that looks at the reasons behind car purchases, says Boomers make purchases not only for the style of the car but also for the image the brand offers. The firm lists these vehicles as other popular purchases among Baby Boomers.

• Dodge Viper • Toyota Avalon • Cadillac DTS • Chrysler 300 • Jaguar XK • Lexus LS 600h • Lexus SC 430 • Audi A8/S8 • Infiniti FX • Lincoln MKZ Form and fashion drives the purchase of many Baby Boomers looking for a new vehicle. With more disposable income, many can afford to splurge on a car that is sporty and will garner “oohs” and “ahhs” from others.

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May 25, 2012

Boomers’ golden years are turning into a ‘green age’

BY METRO CREATIVE CONNECTION

The adage, “you can’t teach an old dog new tricks” is apparently a misconception.

When you consider how many people of the senior demographic are continually trying new things, such as making green changes to their lifestyle, it would seem that change is possible no matter a person’s age.

The green movement in the media tends to be skewed toward the younger demographic. However, plenty of older individuals are making strides to adopt earth-friendly changes and spread the word about helping the environment. Seniors comprise a considerable chunk of the population. For instance, nearly 13 percent of the United States. is over the age of 65.

Also, with high numbers of seniors retired or working minimal hours, they are a demographic that has a lot of time to devote to going green.

Seniors are not new to the issues of going green. Many grew up during the Great Depression, when recycling and reusing were par for the course. However,

METRO CREATIVE CONNECTION

doing so back then was a necessity rather than a widespread social movement.

Seniors are also less reticent to go without modern conveniences that may do more to

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hurt the planet than protect it. They are used to walking or bicycling to get around.

And the concept of hopping on a train or bus instead of driving individual cars is something many embrace.

Retailers, housing developers and other business-minded individuals are finding that it pays to target the senior market in terms of going green. This demographic that grew up on being frugal finds many benefits to incorporating green concepts into their lifestyle.

A popular housing builder and Harris Interactive polled baby boomers ages 45 to 62 in 2008 about their interest in the environment. Some findings include: • 94 percent of boomers had taken steps in the last 6 months to go green.

• 79 percent wanted to do more to reduce their carbon footprint.

• 81 percent were concerned about what type of world they’re leaving for their grandchildren.

• 25 percent said that a green house is one of the smartest investments a person can make.

With that in mind, here are some ways seniors can make environmentally friendly changes around the house in an effort to both save money and help the planet.

• Look for a retirement community or assisted living facility that boasts green practices. It has become commonplace for these communities to use solar panels to harness energy and green building materials to compromise the majority of the structure.

• Beef up insulation and weatherstripping. Replace drafty windows and doors to save considerably on heating and cooling costs.

• Consider using low VOC paints and carpets made of organic materials. Fewer chemicals in the air make for a safer living environment and world.

• A high-efficiency dishwasher may use less water than washing dishes by hand.

Wait until the dishwasher is full before running a load.

• Now is the time to upgrade to energyefficient appliances to use less energy and save money in the long run.

• Go yard sale shopping. Furnish the home with items that may be someone else’s trash but your treasure. You will limit the number of things that end up in landfills.

©KPC Media Group Inc. • kpcnews.com

May 25, 2012

Our Time

13

Getting fit goes beyond lifting weights

BY METRO CREATIVE CONNECTION

For those who aren’t fitness fanatics, getting back in shape is a goal to strive for.

Though rates of overweight and obesity are high, society has also grown increasingly health-conscious in the last 10-20 years, as the growing number of gyms and other fitness centers can attest.

Still, for those hoping to shed a few extra pounds, the first step toward doing so can be the hardest. Many instantly think of the oftintimidating nature of the local gym, where muscular fitness enthusiasts dominate the landscape. However, getting fit does not have to include weight training. While weight training can be a valuable means to get healthier and shedding pounds, there are a host of other exercise options that can lead to very positive results.

• SPINNING. Spinning is a popular and valuable alternative exercise option.

However, because it can be so demanding, spinning can be a tough routine for those making a lifestyle change. Once you’ve gotten into an exercise groove, spinning might be something to explore. Often set to

METRO CREATIVE CONNECTION

aggressive, pulsating music, spinning involves riding a stationary bike through demanding courses featuring hills and other difficult terrain.

• AQUA AEROBICS. For those who enjoy time in the pool, see if your gym offers an aqua aerobics class. This might not be as readily available at most gyms as spinning classes are, as lots of gyms don’t even have

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PLAINFIELD t the warm Noble’s tough contests often come in Weaver Jr.,East not didSteube — DeKalb nt of the “I wouldn’t change there brough monitoring and 30 radio Warming trends School show is encouraging The group vice preside s mixed choir against chief but rarely are choirs gave up High Drewes,Rhythm a thing audience rival Santor on approximatelyhandling “I don’t think state finals. spurts in March three-year grip their members to bring Rick Santoru we um qualify for the on state champim. choirs in canned frequencies and3,000 calls anything better.” could have done onships Saturday those kids did today.” food items for The former Other all women local food approximately month.

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BY JENNIFER DECKER ents, said Dr. R. Wyatt event July 6-7. s.net where polls have the site prepped nships in 2009, … It’s just the those kids did today. “Thebars,” Shelley Johnson said.

Presiden getting off as the t Baracksaid. we’re town police departm jdecker@kpcnew 2010 and judges made 2011 in both mixed aviation board. is not that long,” joked Angola “Today Obama shown him slightly Persistence paidand elected and rescue tilted crumbled this way the cookie back aStrebig and girls choir volunteer fire ANGOLA — their sheets about comments on glass of the dark the soil,” time,” said director “Two years forward,” said divisions. ces, will stripIrish Santorum. Romney ahead of n.

Aviation Board Shelley Johnson get moving brewtoSaturday sioner.

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Around 20 antique step toward choosin of first north the national conventg delegates to will plow 20 acres 327. Work ion who are U.S. 20 on S.R. Shuman the will begin on N. S.R. 327, family farm, 530 and beans Ham around 9 a.m. at noon. will be served April 21 Rain date is

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beware of ab classes that might be longer than 30 minutes, especially if you’ve only recently gotten back into exercise.

• FUSION. For those who subscribe to the idiom that “variety is the spice of life,” fusion classes (also known as total body conditioning) classes could be the perfect fit.

That’s because such classes are a combination of other classes. Because they combine so many different elements, these classes tend to run a little longer in length, oftentimes exceeding an hour in length. The benefit of these is that they build up your cardiovascular as well as muscular strength.

• YOGA. Arguably no alternative exercise class is more widely known than yoga. A centuries-old Hindu discipline aimed at promoting control over the body and mind, yoga classes are offered at nearly every gym or fitness center across the country. Much of yoga is concerned with helping you become stronger, more balanced, focused, and flexible. If you’re looking for a non-competitive environment where you can move at your own pace, this might be the best workout program for you.

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pools. For those who love swimming, look for a gym that does have a pool, and chances are, that gym will offer some derivation of aqua aerobics which consists of intense cardio movements mixed with some strength training. The chief benefit of a good aqua aerobics workout is that it will work all your muscle groups with low impact on joints — making it ideal for seniors.

• PILATES. The popularity of pilates classes is now so great that many gyms offer classes several times per day. Not unlike yoga, pilates is both a physical and mental exercise. The exercises themselves can be quite demanding, focusing on stretching and breathing that strengthens the abdominal core.

• ABDOMINALS. Few people look at their abs and don’t think they could use some work. That said, nearly every gym offers a class focusing strictly on abdominal exercises. These usually range anywhere between 15 and 30 minutes in length.

Anything longer than that might cause painful and unnecessary muscle strain, so

•

in state

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May 25, 2012

Downsizing a home an option for boomers

BY METRO CREATIVE CONNECTION

When a person comes to a certain age and the children move out and on with their own lives, a home may become too big for its occupants. At this point, residents may feel it’s time to downsize to a smaller home.

Downsizing can be exciting and challenging at the same time. Going through and packing belongings can be a trip down memory lane. But chances are a smaller space will mean that a person will have to part with a number of his belongings collected over time.

To make the process easier, first assess how much space there will be in the new home. Many times floor plans or room dimensions are available. First measure large items,

such as furniture, to be sure they will fit in the rooms. Then think about storage possibilities.

Next, make a running list of what items can be discarded and where those items will go. Some belongings can be donated to charity, while others may be given to family and friends.

Many other things could end up in the trash or recycling bins. Knowing where things will go will make them easier to sort.

For those doing a major clean-out of the home, it could be efficient to hire a dumpster to be placed on-site.

This way, larger bulk items can simply be tossed inside. Some municipalities restrict what can be placed in the regular trash or how much garbage can be collected, so this alleviates the

stress of dealing with excess trash.

When actually beginning to get rid of things, start with the areas that receive the least amount of use.

Belongings stored in the attic or basement may be simply taking up space and hold less sentimental value.

People can then work their way toward items that are used on a regular basis. It can be cathartic to clear out clutter and get ready to start anew.

Some people find they have to downsize because of financial reasons. In these cases, thinning out belongings can also be a way to earn a few extra bucks. Selling or auctioning off seldom used items may produce a little extra cash that can help finance moving expenses or even bills.

ADBUILDER

My name is Alice Stiffner, and on October 11th, 2011, I had knee replacement surgery on my right knee. I chose Kendallville Manor Healthcare for my post-surgery care. I was impressed right away.

The facility was clean and beautiful, and the staff was friendly and caring.

I was at Kendallville Manor for 13 days, and it was an incredible experience for me. The in-house therapists made me feel like I was the most important person they had ever worked with! The food was tasty and eye appealing, and the care and pampering I received were immeasurable.

Now that I am fully recovered from THAT surgery, it’s time for me to have my OTHER knee worked on!

I’ll be staying at Kendallville Manor again, of course. If you’d like to see for yourself what a clean, caring and professional facility looks like, feel free to stop by and visit me, or just stop in and ask for a personal tour! No appointment needed!

Just tell them Alice sent ya! __ LTHY ___ENT HEA ___PATI AND___ ___ PY___ A HAP ___ Recipe: ___ 1+ ___ _____ Serves: ______ ___IES ARE_ Cooking Time: ___VAR LTHC HEA___ OR___ ___ MAN ___ KENDAL ___LE___ ___LVIL From: ___ Ingredients: pists____________ thera___ (yet skille • Tende nt___ onme ___d)___ -like envir ___r___ home___ tiful, ___ ___ beau___ • A___ ___ ned___ seaso wells, nurse more or ___ One • ___ ___ ___ _________ t activi hmen ___ties________________________ ___ ___ ___enric of socia ___l and Plenty___ g staff ___• ___ carin___ and___ ___able___ ly, know ___ledge friend___ • A___ ___ _________________________________ of TLC ___ dash___ ___ extra___ • An___ es ___ choic meal ous ___ delici ___ and d ___ Varie • ___ ___ ___ ___ n. golde__ g and___ smilin___ until ___ Bake___ nt.___ patie ng over frosti ___ d like ___ sprea ___ s and ___ dient ingre ___ all ___ ine Comb ___ . ___ warm to ___ ty facili ___ at ___ Prehe ___ Directions: _________

1802 Dowling Street, Kendallville, IN 46755

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May 25, 2012

Our Time

15

People can work well after retirement age

BY METRO CREATIVE CONNECTION

There’s no longer a magic number for retirement. Some people find that they want to work past the traditional retirement age, while others discover they need to. In addition, some retirees discover that they actually liked working and want to return to work rather than settle into retirement.

Sixty-five is no longer the required age to stop working. In fact, many people are foregoing retirement and staying with the workforce. Why? No single reason applies to everyone, but finances often come into play.

Thanks to a troubled economy that has carried over into the workplace, pensions and severance packages are no longer the norm for retiring workers. When faced with the prospect of reduced funds and dwindling Social Security benefits, many choose to simply keep on working. Furthermore, individuals who retire before 65 are often faced with finding their own health insurance plans because Medicare doesn’t start until age 65. Even still, high prescription costs for chronic conditions can exceed

the allowance of Medicare. Employee insurance plans tend to have better options, and that often factors into an employee’s retirement decision.

There are many people who continue working because they actually enjoy it, and not because of some financial necessity.

Working tends to keep the mind sharp and helps seniors feel like contributing members of society. According to a study conducted by the American Psychiatric Association, retirees who continued to work in a bridge job (meaning part time or temporary employment) experienced fewer major diseases and fewer functional limitations than those who fully retired.

Researchers considered only physiciandiagnosed health problems, such as high blood pressure, diabetes, cancer, lung disease, heart disease, stroke and psychiatric problems.

Those thinking of remaining in the work force can check with employers to see if retirement is mandatory or voluntary.

Seniors re-entering the workforce may want to brush up on some skills and reconnect

with former employers or colleagues to make the transition easier. Here are some other strategies to consider.

• REFURBISH YOUR RESUME. Focus on what things you can do rather than what you did in the past. You may be up against younger applicants and will have to make a case for your hire.

• BE FLEXIBLE. You may need health benefits more so than a high salary. You can work with an employer to develop a compensation package that is mutually beneficial.

• DEVELOP COMPUTER SKILLS. Today’s work environment relies heavily on computer skills. It is unwise for you to think you’ll get by on experience alone. Obtain a rudimentary education in computer usage and common office programs, which can set you apart from other older applicants.

• KNOW THERE’S NOTHING TO PROVE. Retirees have the benefit of taking their time and finding the right fit in a post-retirement job. Unless money is an issue, shop around until you find the job that appeals to you, even if it’s part-time or for a lower salary.

METRO CREATIVE CONNECTION

Young Family Funeral Home “Our Family Caring For Your Family” 222 S. State Street, Kendallville

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260-347-0950

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State Road 9 North, Wolcottville

260-854-2251 www.youngfamilyfuneralhome.com

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403 W. North St. (US Hwy 6), Kendallville • 347-0758

800-441-0799

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www.HeyWaterMan.com

16

Our Time

kpcnews.com • ©KPC Media Group Inc.

May 25, 2012

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