Bryan-Braker Funeral Home
Chas seen a significant increase in the demand for cremation services. More religions and faiths are allowing and accepting cremation as a final resting choice, and cremations can be a cost-effective alternative to traditional burials. Other reasons families are choosing cremations include flexibility in planning services for a time all family members can attend.
Once you have made the decision that cremation is right for you, the next step is to gather some more information. Choosing the right cremation provider and planning your final arrangements in advance has many advantages. Having your final plans in place is not only a sound economic decision but a thoughtful decision for your family. With your wishes documented and funded, it relieves your family from the financial pressure and decision-making during this difficult time.
It is a common misconception that services cannot be held when cremation is chosen. Meaningful and beautiful memorial services, or “celebrations of life,” can still be
• 1850 W. Texas St., Fairfield 707-425-4697
• bryanbraker.com
info@bryanbraker.com
• 8 a.m. to 5 p.m. Monday through Friday
arranged when choosing cremation. The memorial service or celebration of life is still an important part of the grieving process when losing a loved one. Another common misconception is the choices you have for a final resting place for your cremated remains. Almost all cemeteries offer in-ground or above-ground locations for cremated remains. Above-ground locations, called niches, are individual locations located in columbariums. A marker memorializing the loved one is placed on the front of the niche. Other options include arranging for your cremated remains to be scattered on land or at sea.
Cremation services are provided by cremation centers, cremation societies and funeral homes. Most providers offer free preplanning services for you to ask questions and gather more information. A well-established cremation center or funeral home will
throughout the process, both with you while pre-arranging your services and with your family at their time of need. The employees should be knowledgeable, professional and caring. You should feel comfortable asking questions and leave feeling like you have a good understanding of the process.
Some funeral homes own and operate their own crematory, keeping your loved one in their care throughout the entire process; while others have a partnership or connection with an offsite cremation center. Word of mouth or referrals from family and friends are always a good place to start when choosing your cremation provider.
Once you have decided on a funeral provider, it is important to let your family know about the arrangements. This way your family knows who to contact when your time comes. Having these plans in place is one of the more thoughtful gifts you can leave your loved ones, enabling them to grieve without the stress of choosing a provider and planning arrangements.
Scammers are everywhere –and they’re more clever than ever. With the advent of new technologies, sophisticated fraudsters are able and willing to do nearly anything for a quick buck, from down the street or across the globe. Are you prepared to fight back?
Here are five tips to prevent some common scams in Solano County:
• Double-check the source of “government” communications. The Social Security Administration, IRS, VA, Medicare and California Franchise Tax Board never threaten criminal action, demand an immediate payment or ask for personal information. If a letter from one of these agencies looks suspicious, call their official phone number to verify.
• Watch for fake social media identities and “sweetheart scams.” It’s easy to create a fake social media account. All a criminal needs is a photo and a name to replicate someone’s identity on Facebook, Instagram, Twitter and dating sites. Then, they can send a message to all your friends asking for money, a donation –
friends via phone to verify their identity and take new relationships slowly before sharing intimate information or money.
• Bring skepticism to every prize or investment offer. If it’s too good to be true, it probably is. If you’ve been offered a “rare investment opportunity” or “won a big prize,” be skeptical. No legitimate sweepstake requires you to pay any funds up front – taxes are always paid on your annual tax return. All investments hold risks, but those promising “huge returns” are often scams.
• Be wary of “urgent” notices that claim your accounts or computer have been “compromised.” If an email, text or pop-up notice on your computer asks you to click a link to remove a virus or secure a bank account, double-check the communication is real. If an email, it should come from your bank’s domain (i.e., @chase.com) not a personal email address (@yahoo.com) or a lookalike (@chaise.net). Don’t respond or click on a texted link, instead, call your bank to follow up. If a pop-up, close it
anti-virus software directly to follow up. Most importantly, never share your Social Security number or credit card information with anyone.
• Monitor your finances and protect your power of attorney. While we all want to trust our family and friends, some have been caught withdrawing from loved ones’ bank accounts or filing fraudulent power of attorney documents. Check your bank accounts for suspicious charges often and report them to the bank or police.
If there is a threat, a deadline or an amazing offer, know you may be dealing with a scammer. To learn more or report a crime, visit Solano ScamCenter.org.
Mike Watson is the Social Services manager for Solano County’s Older & Disabled Adult Services (ODAS). ODAS is the county’s division responsible for programs such as Adult Protective Services, In-Home Support Services, Public Authority, Public Guardian and the Napa/Solano Area Agency on Aging.
The changes we undergo as we age are often viewed as physical. Our bodies change, mobility decreases and the things we used to love doing are sometimes things we just can’t do anymore. Most older Americans eventually need assistance, but what many aren’t talking about is the rising costs of aging, and how many older adults are struggling to make ends meet today.
According to Jan Mutchler, director of the Gerontology Institute, 2020 data show that nearly 5 million older women are living alone, 2 million older men live alone and more than 2 million older couples have incomes that make them economically insecure. The lasting effects of the pandemic and rising costs of living have exacerbated these numbers and contributes to increased isolation for many older adults.
Meals on Wheels of Solano County continues to rise to these challenges, providing nutrition services through home delivery and congregate dining, home-based fall prevention, case management and supplemental pet food.
Public response to Covid-19 resulted in many community members reaching out to help serve the increased needs of the older adult population. Many of our volunteers are seniors themselves and found it necessary to isolate at home and remain healthy. Now that businesses are back open or have returned to an in-office work environment, the number of volunteers has declined and we often find ourselves struggling to fill delivery routes.
With busy lives, it can be hard to find time to volunteer, but the benefits are far-reaching and the community needs you.
Last fiscal year, volunteers dedicated more than 7,000 hours of their
time to ensure seniors receive nutritious meals from folks who generally care about their well-being. Volunteering is a great way to meet people who have a common interest in supporting individuals who are less fortunate, all while making a positive impact on the lives of others and contributing to the overall health of the community.
Join us in the fight against hunger and isolation. We can’t do it alone. You are the key to ensure that our senior neighbors are not forgotten about, left alone and hungry. Home delivered food is distributed Mondays, Wednesdays and Fridays and most routes can be completed in two hours or less. Grab a friend or a co-worker; we invite you to see the smiles, hear the voices and make connections with older adults in your community.
Call our volunteer coordinator at 707-425.0638, ext. 3 or visit https:// mealsonwheelssolano.org/volunteer. Together, we can deliver.
Meals
Interested in the medicinal benefits of cannabis? Not sure where to start? No problem. Dixon Wellness Cannabis Collective is here to help.
The welcoming staff is fully trained in all aspects of cannabis to be the most informative on what products the company has to offer to its customers.
There are so many options available to a cannabis consumer, it can become extremely overwhelming. The staff is there to help people answer any questions they may have. The staff has been able to help many customers, from trying their very first cannabis gummy for sleep to someone who has been
accompanied with cannabis for years.
The Dixon Wellness staff will take the time to meet with each customer individually to give them the privacy they deserve and the chance to have a conversation as to why they are interested in using
cannabis. The staff is there to provide a safe and positive atmosphere for customers to help them through their healing process.
“We want our customers to feel as though they are part of our family when they come to Dixon
Dixon Wellness
Cannabis Collective
• In Dixon: 1150 N. First St., Suite B
• Hours: 9 a.m. to 9 p.m. Monday through Sunday
• Phone: 707-640-1147
Wellness,” owner Haley Andrew says. “Our customers need to be able to trust our staff and their recommendations on cannabis. Cannabis dispensaries can be scary to some and we are consistently trying to help our customers feel at ease when shopping at Dixon Wellness.”
Dixon Wellness, which opened its doors in 2018, is located in the heart of Dixon.
Homebound elderly residents throughout Solano County often struggle to maintain their independence in their own homes. Unable to continue driving to get to medical appointments or even the grocery store, basic needs, which most people take for granted, are not always met. Some of these same neighbors are lonely and simply wish for friendly phone calls or a visit at home.
• Program office in Vacaville: McBride Senior Center, 91 Town Square Place; 707-469-6675
• Administrative office in Fairfield: 3303 Whitemarsh Lane; 707-425-6164
Faith in Action, a local nonprofit agency established in 1998, matches volunteers to assist seniors during what can be a difficult stage in their lives. Volunteers give the gift of time on a weekly or biweekly basis each month, providing a variety of services. (See an outline of services in the ad on this same page).
Faith in Action is a non-profit agency that serves some of our most vulnerable neighbors in need. Our mission is to promote the independence, end the isolation, and sustain the dignity of homebound seniors, age 60 and over, who live in Solano County. Volunteers are needed for the following services:
Senior Peer Counseling Program
• Individual counseling offered in-home or by phone.
• Group counseling offered in-person or by teleconference.
• Designed for seniors who feel isolated or are living with grief, loss, stress, anxiety, loneliness, or depression.
Caregiver/Respite Program
Friendly home visits.
Phone reassurance.
Door-through-door transportation. Respite for family caregivers.
• Grocery shopping and errands, meal preparation, and business help.
Ride With Pride Program
• Rides to and from medical appointments, pharmacies, grocery stores, and other essential destinations.
Fall Prevention
In-home risk assessment.
• Education and tips for physical activity to increase balance and mobility.
• Progress follow-up designed to reduce the occurrence of falls.
• Website: https://www. faithinactionsolano.org
In addition to assuring that the seniors the nonprofit serve are able to access what they need, Faith in Action’s volunteers provide a vital connection to the larger community. We all need a connection. We were not meant to live in this world in isolation. Faith in Action’s volunteers truly believe in the motto, “Leave no one behind.” Through their efforts, our seniors are given hope for another day.
If you have some extra time to give back to a senior in your community, come join our team. Be that special person in someone’s life. Call to volunteer. A neighbor’s independence depends on you.
Join our Team!
Come along with us as we make the days brighter for seniors living in our local communities. Bilingual is a plus, but not a requirement.
Paramount House
Senior Living offers both assisting-living and memory care options for residents in a setting that offers studio, one-bedroom and two-bedroom apartments.
People who live there remain active, eat, laugh and live while knowing someone is always nearby to lend a helping hand, 24 hours a day.
Staff members at Paramount House seek to create a comfortable environment that offers all the advantages of independent and assisted living coupled w ith the comfort that comes from knowing care is available 24 hours a day, seven days a week, whenever it’s needed.
Paramount House Senior Living
In Vacaville: 2061 Peabody Road
Phone: 707-455-0300
Website: Paramount HouseSeniorLiving.com
Residents enjoy all the benefits of living in an active, involved community without the hassles and responsibilities of owning a home. Apartments are designed with residents’ needs in mind to provide a home-like atmosphere within a greater community of caring. But the apartments and indoor amenities are just part of the story. Paramount House is aptly named, surrounded by beautiful,
peaceful courtyards throughout and a park-like setting ideal for outdoor activities and other recreational and social events. The courtyard has comfortable benches that offer residents an opportunity to visit with friends and families or provide quiet spots for relaxation and reflection.
A free support gathering led by Hollie Kemp is designed for family and friends of individuals who are experiencing memory loss and/or need assistance. The session starts at 11:30 a.m. at Paramount House the second Tuesday of each month and may be watched at home via Zoom. Monthly topics vary.
Those who wish to attend must RSVP and sign up for the gathering in advance.
The picture of a traditional college student is one in his or her late teens or early 20s. However, a deeper look may reveal that college student demographics are more diverse than one might imagine. In fact, senior citizens can rest assured that if they plan to return to the classroom, they’re likely to find students around their age.
According to the senior citizen resource Elder Guru, just over 0.3% of university students are over 65. Even though that is a low number in the grand scheme of things, it is an indication that seniors have a presence on college campuses. And that number is expected to rise. Universities are increasing efforts to include seniors as important parts of their student bodies. Here are some things seniors considering going back to school may want to know.
• Incentives are available. Many schools are looking to expand their elder student body populations by making it easier for them to go to school. That means seniors may be able to attend for little to no cost through tuition waivers and discounts. Speak with an admissions officer about your options.
SEE SCHOOL, PAGE 33
Vacaville Auto Body has been serving Solano County since 1994.
Owned and operated by Robert and Marlo Skinner, it truly is a family run business. With more than 40 years of combined experience, the team strives to repair your vehicle to its pre-existing condition while offering a lifetime warranty as long as you own your vehicle.
Vacaville Auto Body was voted No. 1 Auto Body Repair Shop in Solano County in the 2022 Readers’ Choice Awards.
All of the technicians at Vacaville
Vacaville Auto Body
• In Vacaville: 938 E. Monte Vista Ave.
• Phone: 707-449-4200
• Website: vacavilleautobody.com
Auto Body are I-CAR gold certified, which requires yearly training for all the newest procedures in the industry.
Your car is one of your biggest investments and no one likes being in an accident. Rest assured the staff at Vacaville Auto Body strives to make the repair process as streamlined as possible.
The company offers a lifetime
guarantee and works with all insurance companies.
Robert and Marlo Skinner remind Solano County residents that they have the choice in California to choose where they have their vehicle repaired, “so be sure to choose the best in the industry.”
The Skinners, along with their staff, want to make an unfortunate situation as easy as possible.
Vacaville Auto Body offers senior discounts, military and first responder discounts, and businessto-business discounts while also supporting a community they love.
Area residents are invited to experience the Cogir Difference, where vitality meets tranquility with Solano County’s premier retirement living communities located in Vacaville and Vallejo.
The zest for life begins with a social model of resort-like living.
Cogir’s independent and assisted living residents enjoy amenities that include restaurant-style all-day dining, bus transportation to weekly appointments and excursions, weekly cleaning services and an array of activities that range from morning exercises to evening paint and wine classes.
Quality, comfort and enjoyment are utmost to happy living and residents take advantage of the warm accommodations and professional hospitality services to pursue their passions, socialize and
Cogir Senior Living
• Call 707-447-7496 for a personal visit to Cogir of Vacaville.
• Call 707-553-2698 for a personal visit to Cogir of Vallejo Hills.
• Call 707-552-3336 for a personal visit to Cogir of North Bay.
enjoy every day.
Resident satisfaction is Cogir’s number one priority. The on-site executive team is empowered to listen and respond to the needs and requests of individual residents, and the community as a whole, to continuously optimize their dining, activity and event options.
Cogir communities are known for hosting extraordinary special events by encompassing local neighborhoods to enjoy 1950s socials, craft fairs, antique car shows, luaus with island themes, and country and
western barbecues. Special patriotic holidays are always celebrated. Cogir’s live music and weekly entertainment bring out the rhythm in everyone. It’s not uncommon for residents to embrace the moments by singing along and tapping their feet.
Cogir exercises the body as well as the mind by offering stimulating activities for those folks who prefer brain exercises, challenging quizzes and card games. There is something for everyone to experience socialization, joy and camaraderie.
Come and experience the Cogir Senior Living lifestyle for yourself. The hospitality shines seven days a week.
In accordance with regulatory guidelines and for the safety of you and your loved one, Cogir now requires all new employees to be vaccinated.
rofessionals work hard to achieve both short- and long-term goals. Retirement certainly qualifies as a long-term goal, and many people spend decades building and investing in a nest egg that they hope will help them enjoy their golden years to the fullest
The decision regarding when to retire is affected by a host of variables, so what’s a good time for one individual may not be ideal for another. However, professionals on the
Growing older doesn’t mean closing the book on adventures. At Rockville Terrace, we offer ample amenities to ensure your loved one’s needs are always met. Our amenities include a luxury dining experience, extensive library room, theater room, daily activities, full-service salon and spa, and much more.
since
cusp of retirement can consider these tips as they try to pick the right time to retire.
• Consider age-related benefits. Both the United States and Canada feature government-sponsored retirement income programs and it behooves individuals to familiarize themselves with the rules of those programs so they can maximize their benefits. The Canada Pension Plan (CPP) allows individuals to begin receiving full CPP benefits at age 65, but they also can get a permanently reduced amount the moment they turn 60. The CPP also allows people to receive a permanent increase if they wait until turning 70 to receive payment. Similar age-related rules govern the Social Security benefits program in the United States, where individuals can begin claiming benefits at age 62, though those benefits will be reduced by 25%. If individuals wait until they’re 66 or, in some cases, 67, to claim Social Security benefits, they will receive
their full benefits. The Social Security Administration notes that those who can wait until age 70 to claim benefits will receive as much as 132% of the monthly benefit they would have received at full retirement age. These distinctions are significant, especially for people who will be looking to government-sponsored programs to provide significant financial support in retirement. Individuals who won’t rely as heavily on such programs may be able to retire earlier.
• Pay off your debts. Carrying debt into retirement can be risky. In general, it’s ideal to pay off all debts, including a mortgage and car payment, before retiring. Doing so can provide more financial flexibility and make it easier to manage unforeseen expenses, such as those incurred due to health problems.
• Consider your retirement living expenses. It goes without saying that a sizable nest egg will be a necessity for anyone hoping to live comfortably
in retirement. But the tricky part is figuring just how big a nest egg might need to be. In such instances, individuals can speak with a financial advisor and discuss what their retirement living expenses will be. Conventional wisdom based on the Consumer Price Index suggests individuals will need to replace between 70 and 80% of their preretirement income after calling it a career. But even that figure is not set in stone, as rising inflation, such as the rapid spike experienced in 2022, can quickly put retirees in financial jeopardy. By estimating the expenses they might have in retirement, individuals can begin to see just how close or far away from retirement they may be. Budget for inflation so any spike in living expenses can be easier to manage.
Many individuals recognize that there’s no perfect time to retire. But a few simple strategies can help professionals make the best decision possible.
etirement is an opportunity to wave goodbye to the daily grind. Retirees may focus on rest and relaxation, and many make travel a major component of their lifestyle.
According to a 2022 Gallup poll, Americans expect to retire at an average age of 66, up from 62 in 2022. However, most do not hold out that long; the average actual retirement age is 61. Canada used to have a mandatory retirement age of 65, but that mandate was overturned in 2009. Today, the
SEE WORKING, PAGE 34
Kenwood Hearing Centers in Fairfield has been helping people in the North Bay improve their lives through better hearing for more than 60 years.
Kenwood Hearing Centers
• In Fairfield: Blvd., Suite 140
• To schedule an appointment, call 707-766-0782.
Dispenser Deb Davis and Patient Care Coordinator Tanya Drummond.
Deb DavisThe company has six conveniently located offices with professionally trained audiologists and hearing specialists to provide customers with the very best care. Kenwood is family owned and operated and treats each patient as if they were family, too.
Kenwood Hearing Centers offers a
complete suite of hearing care services, including hearing testing, hearing aids, repair, custom earplugs and more. If you need a hearing aid, how can you know which one is right for you? With Kenwood’s Hearing Aid Test Drive, you are able to try out different hearing aids at home, work, or wherever you go to make sure
Davis has lived in Solano County for almost her entire life and loves the people and places of Northern California. She has a keen eye for design, a genuine love of people and a deep technical knowledge of the hearing aid fitting process.
With attention to detail and a desire to make a difference, people can be assured that they will feel comfortable with her expert advice.
Let’s play it by ear.
Retirement provides individuals with ample time to engage in activities they enjoy. Many seniors spend that newfound free time relaxing and seeing the sights.
Seniors are a travel-friendly demographic. The World Tourism Organization says that, in 1999, more than 593 million international travelers were age 60 years and older. Seniors are projected to take two billion trips annually by 2050. As baby boomers and Generation Xers continue to retire, a larger portion of the overall population will have time to travel.
When seniors plan trips, they have many ways to get around in style.
Cruising can be an ideal way for older adults to travel. Cruise ships depart from ports across the world and travelers can choose from an
array of itineraries. People can travel on cruises that are at sea for as few as three to five days to others that are out for weeks at a time.
One reason seniors enjoy cruising is because it’s all-inclusive with little extra planning required. Step aboard a cruise ship and enjoy a floating hotel complete with food, lodging, entertainment, shopping, gambling, and much more. Organized excursions at ports of call can add to the thrill of cruising.
Escorted tours are another option seniors may want to consider. By working with reputable tour operators, seniors can engage in affordable, safe and comfortable tours via bus, train or other modes of travel. Tour companies take the work out of the trips by handling the details and showcasing the best locales. Tour experts know when to schedule meals and sightseeing to avoid the crowds so that everyone can sit back and relax
on their adventures.
Travel by recreational vehicle is a great way for individuals with time on their hands to see the sights up close and personal. When RVing, the time spent traveling is the adventure, and the destination is simply the cherry on top.
The RV industry exploded during the pandemic because it provided a safe way to enjoy a vacation and get away from home. MARVAC Michigan RV & Campgrounds says currently more than nine million households own an RV in the United States. There’s no age limit to buying an RV, although the RV Industry Association says the average owner is 48 years old and married.
RV-friendly campsites and parks enable travelers to mingle with each other, providing affordable and fun ways to travel.
SEE TRAVEL, PAGE 33
Once you have made the decision that cremation is right for you, the next step is choosing the right cremation provider.
Cremation is an alternative to full burial. Any type of service can occur before or after the cremation. It is a common misconception that services cannot be held in conjunction with cremation. One option that is becoming more popular is a “celebration of life,” allowing friends and family to gather with a more upbeat vibe compared to traditional services.
Once cremated, you have multiple choices for your final resting place. Almost all cemeteries offer in-ground or above-ground locations for cremated remains. Above-ground locations, called niches, are individual locations located in columbariums. A marker memorializing the loved one is placed on the front of the
niche. Other options include scatter ing at sea or on land.
A well-established cremation center or funeral home will provide step-by-step guidance throughout the process. The arrangement counselor should be knowledgeable, professional and caring. You should feel comfortable asking questions and leave feeling like you have a good understanding of the process and that everything is in good hands.
Some funeral homes own and operate their own crematory, keeping your loved one in their care throughout the entire process, while others have their cremations done by an
Fairmont Memorial Park
• 1901 Union Ave., Fairfield 707-425-0345
• www.fairmontmemorialpark.com fpm@fairmont.us.com
• 8 a.m. to 5 p.m. Monday through Friday
offsite cremation company. Word of mouth or referrals from family and friends are always a good place to start when choosing your cremation provider.
Once you have decided on a cremation provider, it is important to let your family know about the arrangements. This way your family knows who to contact when your time comes. Having these plans in place is one of the more thoughtful gifts you can leave your loved ones, enabling them to grieve without the stress of choosing a provider and planning your arrangements.
Growing older comes with many perks for those who are open to exploring the benefits. In addition to senior discounts on movies, meals and more, moving into one’s golden years could offer some breaks when it comes to taxes and finances.
It is always best to go over tax- and finance-related plans with an accountant or certified financial planner to figure out what is in your best interest. However, generally speaking, here are some potential age-related tax perks.
Older individuals can contribute more to employer-sponsored retirement accounts and Roth or traditional individual retirement accounts (IRAs), according to AARP. For 2023,
the contribution limit for employees who participate in 401(k) and 403(b) programs, most 457 retirement savings plans and Thrift Savings Plan through the U.S. Federal Government can increase their contributions to $22,500 – a jump of $2,000 from last year. Those over age 50 can maximize contributions even more, up to a total of $30,000.
The Balance Money says for tax year 2022, people age 65 or older can add an extra $1,750 to the standard deduction they’re eligible for if they are unmarried and not a surviving spouse. Those who are married and file joint returns can add $1,400. For tax year 2023, those amounts go up to $1,850 and $1,500. In addition, the standard eligible deductions increased. Most older taxpayers feel
the bigger standard deduction plus the extra standard deduction is more than any itemized deductions they can claim and choose this option when filing their returns.
The ability to contribute more to tax-defered retirement accounts enables older adults to reduce their taxable incomes. This, in turn, reduces the amount that needs to be spent on income taxes.
According to The Arbor Company, which oversees senior living communities, the filing threshold is the income that must be made before being required to file a tax return. Typical taxpayers who are either employees or retired and drawing
Dear Rusty: I’m considering filing for my Social Security at age 64 in February, before my full retirement age of 66 years and 10 months. I’m working full time and would like to continue earning until I meet the $21,240 limit for this year. When does the $21,240 limit go into effect? Does it start after receiving my first Social Security benefit deposit? Or does Social Security go by my year-to-date earnings starting Jan. 1?
If I file in March and it takes 90 days to receive my first Social Security deposit, and at that point my year-todate earnings are $18,500, can I continue to work until I earn the balance of the $21,240 ($2,740) and then stop working? Or do they only count the earnings after I receive the first benefit payment? I know that for anything earned over $21,240 I’ll need to repay $1 for every $2 over the limit. Signed: Ready to Retire
Dear Ready: Since you haven’t yet reached your full retirement age, if you claim now and are working, things will work somewhat differently during your first year collecting benefits.
If you claim for your benefits to start in March, only your earnings starting in March count toward the earnings limit. But during your first calendar year, once your benefits start, you’ll be subject to a monthly earnings limit of $1,770 and, if that is exceeded in any month (March through December), you won’t be eligible for benefits for that month. That means that they could withhold your entire monthly amount for any 2023 month after January that exceeds the monthly limit. This is part of Social Security’s
“first year rule,” which applies only during your first calendar year collecting. If, instead, you claim for your benefits to start in April, then the monthly limit will apply from April through December. Remember, it’s not when your payment is received that counts; it’s when your benefits start (Social Security pays benefits in the month after the month earned).
Beginning in 2024, only the annual limit would apply.
Nevertheless, the “first year rule” offers some latitude on your earnings. If the penalty for exceeding the annual earnings limit ($21,240 for 2023) is less than the penalty which results from using the monthly limit,
Various changes are associated with aging, and these can be physical, mental and emotional. Though each person manages these changes in their own way, there’s no denying that social interaction can benefit people from all walks of life as they navigate their golden years.
The Foundation for Senior Care says socializing can give seniors a sense of purpose, stimulate the mind, relieve boredom, potentially prevent feelings of depression, and give individuals something to look forward to. The senior living center Aston Gardens says socialization provides a significant boost to the cognitive health of older adults, helping to prevent or delay conditions that can affect memory.
Individuals looking to cultivate healthy social interactions may turn to clubs and other groups. If there’s a dearth of opportunities, individuals can start and promote their own social club using this useful guideline.
Social clubs can meet and be organized around any number of themes or interests. Social clubs may meet to discuss gardening, crocheting, reading or other shared hobbies. Friends also may be interested in doing food and beverage sampling. In such instances, a luncheon social club makes perfect sense.
Meeting details can be posted in a community bulletin or on a message board at a local house of worship. However, the internet can be a speedy messenger and help like-minded people figure out how to connect. Facebook groups are one way to organize social clubs, as is the website Meetup.com. The latter is a large online network of offline groups that meet all over the country and the world. The website makes it a snap to organize a local group or find an existing club.
Conduct a search of groups already
meeting within a 50-mile radius to see if an existing group already meets your criteria. If not, proceed full speed ahead as you establish your own club.
Most people prefer a schedule so they can plan their days accordingly. Choose a regular meeting time and place to hold the social club; otherwise, it can be confusing to accommodate everyone. Inconsistency also can make it hard to get the club off the ground.
For those new to hosting social clubs, it may be better to begin with only a few members as everyone gets into a groove. As the group becomes more established, it can be opened up to more members. Although it may be wise to cap membership so that things are more easily managed.
Social clubs are a great way for seniors to stay connected and active. When there isn’t one that meets a person’s interests, it’s relatively easy start one from scratch.
Aging is associated with certain ailments, some of which concern seniors more than others. One of the conditions many older adults worry about is dementia, particularly in the form of Alzheimer’s disease. Though there’s no cure for Alzheimer’s disease, recent research suggests reducing blood sugar may be associated with a lower risk.
Doctors and researchers have determined a link between high blood sugar levels and the formation of dementia, which includes a loss of memory and thinking skills that
SEE RISK, PAGE 32
What constitutes a perfect retirement is different for everyone. Some people may imagine spending their golden years fishing their days away, while others may aspire to finally embrace their inner globetrotter. Though individuals’ retirement dreams differ, every retiree will need money, which only underscores the importance of a wise and disciplined approach to money management.
Average life expectancies have risen considerably over the last several decades. According to estimates from the United Nations Population Division, the average life expectancy in Canada for both sexes is just under 83 years, while it’s slightly more than 79 in the United States. Those figures are a welcome sign, but they may inspire a little fear among seniors who are concerned
that they might outlive their money. No one knows how long they will live, but everyone can embrace a handful of money management strategies to increase the chances that they won’t feel a financial pinch in retirement.
· Study up on the tax implications of withdrawing from your retirement accounts. Every retirement investment vehicle, whether it’s an IRA or a 401(k), has tax implications. Money withdrawn too early may incur tax penalties, and even money withdrawn long past retirement age could elevate retirees into a new tax bracket that could prove costly. A financial advisor can help retirees determine the tax implications of withdrawing money from their retirement accounts and may even develop a detailed guideline of when withdrawals should be made and how much should be withdrawn in a given year in order to minimize tax liabilities.
• Prioritize your own needs.
Though retirees, particularly those with children and grandchildren, may feel an obligation to help their families in difficult financial times, generosity can be very costly for adults who have stopped working. Retirees may or may not have opportunities to generate new income, and even those who do likely won’t make enough to meet their daily financial needs. Given that reality, retirees must prioritize their own financial needs, including their immediate needs and those they will have for the rest of their lives. Though it might be difficult to turn down loved ones’ requests for financial help, retirees must make sure they can pay their bills and maintain a quality of life that won’t jeopardize their long-term health.
• Examine your housing situation. Equity in a home is a feather in the cap of many retirees. Retirees who
SEE MONEY, PAGE 34
Mosquito season is fast approaching and it is up to you to help fight the bite.
The Solano County Mosquito Abatement District relies on your help to locate areas where mosquitoes are breeding.
According to the California Department of Public Health, “People over the age of 60 are at greatest risk of getting sick and are more likely to develop serious symptoms when infected with West Nile virus. People with certain medical conditions (such as cancer, diabetes, hypertension and kidney disease) and people who have received organ transplants are also at greater risk for developing severe symptoms from West Nile virus.”
West Nile virus is spread through the bite of mosquitoes. It is a seasonal disease that occurs in the summer and continues through the fall. Most people are bitten while outside gardening, barbecuing or relaxing by the pool.
• In Fairfield: 2950 Industrial Court
• Telephone: 707-437-1116
• Website: https://www. solanomosquito.com
Avoid being outdoors during peak mosquito activity times like dawn and dusk, wear long-sleeved clothing, dump out standing water around your home, have screens on doors and windows, and wear an EPA-registered repellent. There are several natural repellent options, including oil of lemon eucalyptus. For more approved repellent options, visit the California Department of Public Health website’s Insect Repellent Toolkit.
Symptoms of West Nile virus will appear several days to weeks after being bitten by an infected mosquito. Although most people will not show any symptoms, seniors are more likely to suffer from symptoms of
West Nile virus including fatigue, headache and body aches, fever and swollen lymph nodes. It is always advised to get medical attention if you are experiencing any of these symptoms. The state Department of Public Health goes on to say that seniors “should be extra careful to prevent mosquito bites and should talk to a health care provider if they are worried about West Nile virus or think they have it.”
Help us fight the bite this season by reporting dead birds to the West Nile Virus Call Center at 1-800-WNV-BIRD or go online to westnile.ca.gov to report electronically. Dead birds are an important tool for early virus detection. Birds act as a reservoir for West Nile virus, infecting the mosquitoes that feed on them. Dead birds are often the first indicator that West Nile virus may be present in an area.
There are 24 types of mosquitoes that are known to live in Solano County.
A number of types of sources found within residential neighborhoods are capable of producing enough adult mosquitoes to bother not only the residents of one home but a number of homes in the area. These mosquitoes are also capable of transmitting West Nile virus! Water left standing for seven to ten days can produce mosquitoes during warmer weather. There are a number of simple precautions that can be taken to prevent this from happening...
Solano County Mosquito Abatement District 707.437.1116 • solanomosquito.com
Help us fight the bite this season by reporting dead birds to the West Nile Virus Call Center at 1-800-WNV-BIRD or go online to westnile.ca.gov to report electronically.
Dead birds are an important tool for early virus detection. Birds act as a reservoir for West Nile virus, infecting the mosquitoes that feed on them. Dead birds are often the first indicator that West Nile virus may be present in an area.
GEORGE KALIS
What is important to you when you are buying or refinancing your home? The very lowest rate? The very lowest costs? I want it to be as easy and painless as possible. I want everything they told me to be true in the end at the closing. I would like someone to answer the phone or call me back when I reach out to them. I would like to be educated and not kept in the dark when I am working with my loan officer. I just want honest information as to why I am not qualified or able to do a loan. These are actual statements from clients as I ask them, “What is important to you?”
I think it is very possible to hit most of those points if you get to the right person at the right brokerage. Getting a great rate is an element of the broker keeping their costs down so they can
pass those lower overhead savings along to their clients. So, if your broker is driving a Ferrari or a Lamborghini, you can rest assured they are not keeping their overhead low.
You need an experienced loan officer to help you properly package your loan. You only get one chance to impress an underwriter, so you better make it good. Therefore, I would say a minimum of five years in the mortgage business, but, the more the better. Also, a true independent mortgage broker can utilize their relationships with many different banks and investors to shop your loan to an investor who likes your profile, which will save you money and time.
Answering calls or returning them the same day is a trait that a good, solid, respectable loan officer will always exhibit. They are wired to make sure and return the call because they would expect the same service
and respect themselves. Many loan officers truly do not bother calling back a person with a 545 credit score because they think you should know why you are not qualified for a loan. The person you want to work with will always call you and explain how to get your scores up and will give you a game plan on how to do it so you will be able to qualify in the future. That same person will always educate you on the process, explain where every dime of your money is being sent, and will give you good, solid information you can rely on to make good decisions on what kind of loan would be the best fit for you and your family.
So, take the time and do your homework on to whom and to where you should take your mortgage business. It will be time well spent and you will end up with a great person and an even better mortgage loan.
MONTHLY
If you are a 55+ homeowner, a reverse mortgage may be able to free up your monthly cash flow. Get access to your home equity and stay in the house you love or use those funds to purchase a new one.
Use proceeds to pay off existing forward mortgage
Make home renovations, pay off other debts, fund in home care, or travel the world
Get tax-free proceeds with no monthly mortgage payments required
Rest easy knowing your heirs are never personally responsible for the loan
Come in Speak to a LOCAL Person about your Reverse Mortgage Options, do not trust your largest asset to a person on an 800 number who could be in another country.
You can also do a Reverse Purchase, if you can put 50-55% or more down, rather than paying 100% cash, you can keep 45% of your cash money in your savings account and not have a monthly mortgage.
We can recommend you to good local Reverse Mortgage Counselors who can help provide additional insight to the whole process if you have additional questions. Network Mortgage is your Local Reverse Mortgage Source
Solano Mobility’s programs for older adults, people with disabilities, veterans and low-income individuals are a result of extensive community outreach and studies conducted over the past nearly 20 years by the Solano Transportation Authority to identify mobility challenges affecting this population in Solano County. These popular programs continue to assist our residents and enable them to keep their independence:
• The Solano Mobility Call Center –formed in 2014.
• Travel Training – over 3,000 trainings and presentations conducted.
• Countywide In-Person Americans with Disabilities Act Eligibility and Certification Program – over 9,000 certifications completed.
• Medical Trip Concierge Services Program – over 23,000 trips taken.
• Intercity Taxi Card Program using PEX – nearly 29,000 trips taken.
• Veterans Mobility Program – our newest program, with 65 rides taken.
STA’s Solano Mobility Call Center provides assistance and information about transportation options to get around Solano County and beyond. In addition to providing commuters and county employers with information on a variety of transit services and incentive programs, the call center provides seniors and people with disabilities with a range of mobility information.
Learn to ride transit on your own or with friends with the Travel Training Program. Solano Mobility’s Travel Training Program provides one-onone instruction and group training designed to teach people how to travel independently on fixed-route public transportation in their community. This free service teaches everything, from how to read a schedule, to how to pay for your travel.
The Americans with Disabilities Act Eligibility Program determines eligibility for anyone unable to use fixed-routes public transit service because of their disability. Eligibility allows access to curb-to-curb paratransit service throughout Solano County, as well as participation in the Solano Intercity Taxi Program. Paratransit and the Intercity Taxi Program are more
affordable than private medical transportation.
For ambulatory seniors over 60 years old, the Medical Trip Concierge Services Program provides 20 reduced cost trips per month to medical and other essential appointments around Solano County, utilizing Uber and Lyft through GoGo Grandparent.
The Intercity Taxi Card Program allows ADA Certified residents to purchase fare at a discount. The fare is loaded onto a prepaid debit card (PEX) and used to pay for rides between all cities within Solano County. This program is for both ambulatory people and those who require wheelchair-accessible vehicles.
The Veterans Mobility program, started in April 2022, offers veterans of any age access to medical facilities within Solano County, including Travis Air Force Base, as well as three specific locations in Contra Costa County, including the Martinez VA Clinic. This program also provides wheelchair-accessible vehicles if required.
For more information about the Solano Mobility Call Center or a specific program that is offered, visit www.solanomobility.org or call 800-535-6883 from 8 a.m. to 5 p.m. Monday through Friday.
This issue’s roundup of nine interesting news items includes information about a virtual kissing app, an ugly dog contest in the Bay Area and a report about a young umpire who is turning heads. Each includes a video or other source to provide additional information.
Good news for those lonely couples engaged in a long-distance romance. China’s Changzhou Vocational Institute of Mechatronic Technology has come up with a device that lets absent lovers to share a kiss (https:// www.youtube.com/watch?v=ooUZGj G3fj4) via their cellphones, reports the Association of Mature American
Citizens. He and she simply download the kissing app to their phones, dial up their partners and exchange a life-like smooch using silicon lips that fit into their phones’ charging ports.
Calling all owners of ugly dogs: This year’s annual The World’s Ugliest Dog Contest will be held in June at California’s Sonoma-Marin Fair, according to the Association of Mature American Citizens. The fairground authorities’ invitation notes that “while the World’s Ugliest Dog contest is a celebration of the imperfections that make our dogs lovable, a good many of them are rescues from shelters and puppy mills, so we use the fun and notoriety of this competition to raise awareness for dog adoption.” Last year’s contest winner
was Mr. Happy, a Chinese crested Chihuahua mix (https://www. youtube.com/watch?v=w9Yia 2q-Gkg).
Lathan Williams, who hails from Hammond, Louisiana, is likely to have his picture on a baseball card pretty soon, says the Association of Mature American Citizens. In fact, 7-year-old Lathan the Kid Umpire, as he’s known around town and his growing social media fan club (https://www.youtube.com/watch?v= K8fsQJQRyd8), may soon be declared the world’s youngest baseball umpire by the judges at Guinness World Record. He’s been calling plays on baseball fields since he turned 5 years old.
Social Security will use the annual limit and assess the smaller penalty amount. So, if your annual (full year) 2023 earnings are less than $21,240, no penalty will be assessed, or if you only exceed the annual limit by a small amount, you’ll be assessed a penalty of $1 for every $2 you are over the limit. But if your annual earnings are substantially more than the 2023 limit, Social Security may deem you temporarily ineligible to get benefits. When you complete your application there will be a section asking you to tell them about this year’s earnings as well as what you expect next year’s earnings to be. From that they will decide whether you are currently eligible to collect benefits.
So, if your goal is to work only to the point that no penalty will be assessed, you can work until your 2023 earnings reach $21,240 (whenever that is). Or you could work even a little bit longer and simply take the penalty (half of what you exceed the annual limit by), in which case Social Security will simply withhold future
FROM PAGE 25
afflicts millions of older people. A 2013 study published in the New England Journal of Medicine found that, even when diabetes was not evident, there is a correlation between sugar and dementia. A blood sugar level above normal levels (depending on activity level and weight, among other factors) can contribute to an elevated risk of developing dementia. Furthermore, a longitudinal study published in 2018 in the journal Diabetologia, which followed 5,189 people over 10 years, found those with high blood sugar had a faster rate of cognitive decline than those with normal blood sugar – whether or not those blood sugar levels classified the people as being diabetic.
to recover what is owed for exceeding the limit. But if you continue working full time and will substantially exceed the annual limit, it’s likely Social Security will say you are temporarily ineligible to collect benefits (until your earnings are less or you reach your full retirement age when the earnings test no longer applies).
Russell “Rusty” Gloor is the national Social Security adviser at the Association of Mature American Citizens Foundation, the nonprofit arm of the
The link could be due to an enzyme that breaks down insulin. Insulin-degrading enzyme, a product of insulin that breaks down both insulin and amyloid proteins in the brain, which are the same proteins that can lead to Alzheimer’s disease, is a factor in the connection to dementia. Melissa Schilling, a professor at New York University, reviewed studies and found that people who have type 1 diabetes and don’t produce enough insulin can’t break down the amyloid proteins naturally. Furthermore, those who take insulin to treat diabetes can end up with a surplus of insulin in the body. The insulin-degrading enzyme gets used up trying to break the surplus down. This doesn’t leave enough enzyme to tackle amyloid brain clumping proteins. These same scenarios can occur in people if their blood sugar
Citizens. His book “What’s So Hard About Social Security?” may be ordered on either Amazon or Apple eBooks. For more about the Association of Mature American Citizens, visit https://amac. us/. This column is intended for information purposes only and does not represent legal or financial guidance. To submit a question, visit amacfoundation.org/programs/ social-security-advisory or send an email to ssadvisor@amac foundation.org.
levels are elevated, even if they don’t have diabetes yet.
Data published by Harvard Health Publishing indicates “any incremental increase in blood sugar was associated with an increased risk of dementia.” Individuals who have elevated blood sugar levels, or roughly 100 mg/dL or higher after a fast, can tame sugar levels by exercising, losing weight and shifting away from highly refined grains. Individuals also may want to favor a Mediterranean style of eating, which focuses on fish, olive oil, fruits, vegetables, and beans over a processed carbohydrate- and sugarladen diet.
High blood sugar is another factor linked to the formation of Alzheimer’s disease and other dementias. Making lifestyle changes can keep seniors healthy throughout their golden years.
• Lay the foundation for a new career. A survey from the Rand Corporation found that 39% of workers age 65 and older who were currently employed had previously retired at some point. Going back to school may provide a foundation for new skills that can make it easier to advance in a second career. Heading back to classes also can help people stay competitive in a current job.
• Engage and socialize. Going back to school provides seniors with an opportunity to engage with their peers and younger students. Returning to school may expose older adults to new experiences, technologies and customs they may otherwise never have enjoyed.
• Embrace the excitement of a new environment and its challenges. Heading back to college can be challenging, which is something seniors looking for mental stimulation may enjoy. Senior Finance Advisor reports that heading back to school and lifelong learning has been linked to better health, improved financial situations and even a reduced risk of dementia.
• Staying informed. Going back to school can enable seniors to stay technologically informed and learn about movements and other factors that are helping to shape the modern world.
Seniors have many reasons to return to the college classroom, and such a pursuit can pay numerous dividends.
Seniors who got in on the timeshare bandwagon early in life can choose to enjoy their travel years even further. The timeshare model enables buyers to purchase the right to use particular homes, condos, hotel rooms, resorts or other accommodations for specific periods of time. For example, some timeshare agreements are for one week each year in a designated location. Seniors with more time on their hands may want to revisit timeshare agreements to increase the frequency in which they can use properties or to find timeshare companies that enable swapping properties with others so that different locales can be enjoyed.
Retirees may aspire to spend more time with family members who do not live nearby. Families may want to consider mother-daughter residences or properties with small guest houses so that seniors can stay in the residences when visiting but have some privacy at the same time.
Seniors have many travel options, and retirement is the ideal time to get out and enjoy time away from home.
We salute our staff for shepherding our community with no lives lost to COVID-19.
License #486801298
average retirement age for Canadians is 64.4 for men and 63.8 for women, according to Statistics Canada.
Upon retiring, many retirees discover that they sorely miss getting out of the house and being productive through some sort of employment. Others may find it necessary to supplement their retirement incomes. There are a few things to know about working during retirement, particularly if a person is collecting government benefits.
• According to the Social Security Administration, those falling under full retirement age for the entire year (which was raised to age 67 for those born in 1960 or later) will be subjected to an SSA deduction of $1 from your benefit payments for every $2 you earn above the annual limit. For 2022, that limit is $19,560. In the year you reach full retirement age, SSA deducts $1 in benefits for every $3 you earn above a different limit, but they only count earnings before the month you reach your full retirement age. For full retirement age reached in 2022 your limit on earnings for the months before full retirement age is $51,960. After full retirement age, there is no limit on earnings.
• The Financial Consumer Agency of Canada reports that individuals between the ages of 60 and 65 who continue to work while receiving a Canadian Pension Plan (CPP) retirement benefit must still contribute to the CPP. Your CPP contributions will go toward post-retirement benefits. These benefits increase your retirement income when you stop working. However, if you continue to work while getting a CPP retirement pension and are between the ages of 65 and 70 years old, you can choose not to make any more CPP contributions.
• Keep in mind that if you are on Medicare, extra income could potentially trigger surcharges for parts B and D. It’s beneficial to speak with a financial consultant to weigh the pros and cons of part-time work during retirement.
• Part-time work does not need to be daily work. Many retirees work according to how they feel. Some options include seasonal jobs, such as driving shuttles in national parks or working during the holidays in retail stores. Or you may use your expertise to consult or start a business.
• A number of people work part-time during retirement simply to get out of the house. Jobs that help you interact with a number of people can be beneficial, as socialization has been shown to benefit the mental health of seniors.
Working during retirement can supplement savings and provide structure that some retirees may be missing.
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own their homes and live in locations with high property taxes might be able to cash in on their equity by selling their homes and downsizing to a smaller home with lower property taxes. If moving is not a consideration, discuss a reverse mortgage with a financial advisor. A trusted financial advisor can highlight the advantages and disadvantages of reverse mortgages, which are a great option for some people to improve their financial well-being in retirement.
• Stick to a budget during retirement. The U.S. Department of Health and Human Services reports that roughly 70% of individuals who turn 65 will need long-term care in their lifetimes. That’s just one expense retirees must
budget for, and it’s more sizable than some people may recognize. In fact, the Fidelity Retiree Health Care Cost Estimate found that the average retired couple age 65 in 2022 will need roughly $315,000 to cover health care expenses in retirement. And health care costs are just one of many expenses retirees can expect to have. Budgeting and avoiding overspending can ensure retirees have the money they need when they need it.
No one wants to outlive their money in retirement. Various strategies can help retirees effectively manage their money so they can enjoy their golden years without having to worry about their finances.
FROM PAGE 22
pensions or Social Security find the threshold increases over age 65. Single filers over age 65 do not need to file returns if their incomes are $14,050 or under. Married filers over age 65 have a threshold of $27,400. If primary or sole income comes from Social Security or a pension, those over age 65 may not have to file returns at all.
Differing from deductions, a credit for taxpayers is available to people age 65 or older or retired persons on permanent and total disability who receive taxable
disability income for the tax year, according to the Internal Revenue Service. In addition, this credit is for those who have an adjusted gross income or the total of nontaxable Social Security, pensions, annuities, or disability income under specific limits. The eligibility levels change from year to year. Credits range from $3,750 to $7,500.
These are some of the tax breaks American seniors can expect when filing their income tax returns. Speak with an accountant and financial planner about other perks that come with aging. Individuals also can visit www.irs.gov for further information.
•Courteous staff available twenty-four seven.
•Over half a century of service with thousands of satisfied customers.
•Three year interest-free before need planning for all budgets.
• Reception room for use at no additional cost.
We are the largest provider of quality services in Solano County. There must be a reason! Call our experienced staff for quotes.
•Guaranteed prices
•Cremation Services
•Price quotes by phone
•More services for a lower total cost
•Reception room with kitchen M
•Private boat charters
community improvement awards and
service awards than any other funeral home owner in the U.S.A. ner U.S.
