The Best Years by Napa Register

The Best Years Stories for seniors

A SPECIAL SUPPLEMENT FROM NAPA VALLEY PUBLISHING | JULY 30, 2015

2 — best years

Thursday, July 30, 2015

Retirement different for men, women BPT

‌What’s retirement like? The answer may depend upon whether you’re a man or a woman. Women report more positive experiences in retirement than men, yet also say they are more likely to experience negative emotions, especially stress, according to a study conducted by MassMutual. The study’s findings have implications for

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retirement planning, both financially and emotionally. “Women often experience high levels of stress before retirement as they juggle both professional and family responsibilities,” says Elaine Sarsynski, executive vice

president of MassMutual Retirement Services. “We are learning that the stress women feel often carries over into retirement, but we’re also hearing that women often make more of their retirement opportunities and experiences than men.” The study surveyed 905 retirees within 15 years after retirement and 912 pre-retirees within 15 years before retirement. The responses for both groups were evenly split between men and women and respondents had a minimum of $50,000 in retirement savings. One in five women (20 percent) is at least moderately stressed in retirement compared to 15 percent of men, the study finds. Women also are more likely to feel frustrated, sad,

lonely and nervous. Before retirement, women are much more likely than men to report being stressed. The study finds that 49 percent of women pre-retirees say they are at least moderately stressed compared to 38 percent of men pre-retirees. Though whether you are a man or a woman, saving for retirement contributes to positive emotions and experiences in retirement. Those who have a 401(k) or other retirement savings plan were more likely to report experiencing positive emotions as compared to those who did not. Of the retirement plan participants, 74 percent say they are “extremely” or “quite a bit” happy compared to 68 percent who did not participate in a retirement plan and 70 percent of retirement plan participants say they are “extremely” or “quite a bit” relaxed compared to 61 percent who did not have a plan.

Welcome Home to... Welcome Home to...

‌Welcome to the Best Years 2015, in which we offer stories of interest to older residents of the Napa Valley. Men, women and retirement ........Page 2 Disability insurance: what you need to know.................Page 3 Boost your brain health................Page 4 Be sun smart................................Page 5 Ballroom dancing.........................Page 6 Nutrition is important...................Page 7 Social Security strategy................Page 8 Safe spaces for seniors.................Page 9 Help with long-term care............Page 10 Reverse mortgage facts...............Page 11 Protect your savings .................. Page 12 Health vs. Wealth........................ Page 13 Can the VA help me?................... Page 14 Tips for happy 100...................... Page 16 Know the signs of shingles..........Page 17 Staying cool in summer heat...... Page 18 Celebrate life.............................. Page 19

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Thursday, July 30, 2015

Disability insurance: why what you don’t know can hurt you BPT

Olivier Le Moal | Dreamstime.com‌

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ew people expect to become disabled and unable to work, even though 2013 Social Security Administration statistics show a 20-year old worker has a 30 percent chance of becoming disabled at some point during his career. The truth is, life can throw unexpected curves your way, and expecting the best while preparing for the worst is still good advice when it comes to financial matters. According to a 2014 study by the Council for Disability Awareness, 57 percent of working adults report having no private disability insurance. When you dig a little deeper, you find that most people are not opposed to disability

insurance, they just lack basic knowledge about this valuable financial planning tool. “Today is the best time to consider how to help protect your financial security in the event you’re not able to work,” said Jake

Biscoglio, vice president, disability, Prudential Group Insurance. “People often underestimate the chance of becoming disabled during their working years. When it comes to disability insurance, you have to plan for the unexpected.”

Disability insurances protects against one of the most common risks to your financial livelihood: loss of income. If you are unable to work and your income has been reduced or eliminated, your living expenses remain the same, creating a conflict that can quickly become a crises. The purpose of disability insurance is to keep you and your family financially afloat in such a situation. When considering disability insurance, there are a few things to keep in mind:

* Workplace plans are often the most cost effective. Start by asking your employer what plans are offered. * Educate yourself. Online tools and resources make it easy to familiarize yourself with the benefits of disability insurance. * Consider private or individual disability insurance to supplement any workplace coverage you may have. Increased coverage equals greater peace of mind. Another thing to

BEST YEARS — 3

remember is that disability insurance is very different from workers compensation; only disability insurance provides comprehensive coverage for illness and injuries, whether they occur in or outside the workplace. The thought of becoming disabled is unpleasant, but purchasing disability insurance is a positive decision that will help protect your income and your family’s financial future, should the unthinkable occur. When considering changes in your insurance coverage, it’s always a good idea to consult with a financial professional. Seeking advice from a qualified expert will help you select the plan and coverage amount that is best for you. For more information on financial wellness and the role disability insurance plays in a comprehensive financial wellness strategy, visit prudential.com/disabilityinsurance.

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4 — BEST YEARS

Thursday, July 30, 2015

Six ways to boost your brain health include wild salmon, nuts and seeds, avocados, blueberries, dark chocolate and whole grains. Your brain loves both ‌When you think about health and wellness, what first comes to mind? Most omega-3 essential fatty acids and anylikely it’s along the lines of fitness, healthy thing with antioxidants. *Exercise your brain. Your body eating and doctor’s appointments. But isn’t the only thing that needs exercise. have you ever considered the importance Puzzles, brain teasers and games help of brain health as you age? create new associations within your brain According to the National Institute to keep it fresh. As an added exercise, try on Aging, research shows that a complex interaction between your DNA, diet, phys- completing everyday activities with your non-dominant hand, such as combing ical activity level, sleep quality and every your hair and brushing your teeth. other aspect of your environment affects *Continue to learn. The learning your brain health and cognitive function. This means that your bad habits can trig- shouldn’t stop once you leave school. Continue to try new activities and test ger changes in your brain and contribute your brain by reading, taking classes or to the decline of your brain health. learning a language. Keep your brain active Stay sharp as you age with these easy by teaching it some new tricks. ways to boost your brain power: *Take a well-rounded supplement. *Eat brain food. While a good diet can Your brain also requires a number of vitaimprove your all-around health, certain mins and minerals to function properly. foods keep your brain functioning optimally, according to the Alzheimer’s Asso- For example, the three B vitamins (folic acid, B6 and B12) are all related to healthy ciation. Some of these top “brain foods”

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BEST YEARS — 5

Be sun smart

especially pay attention to moles and other skin abnormalities. Sun Myth #3: Seniors only need sun‌The summer brings with it picnics, trips screen at the pool or beach to the beach, the park, and a long list of Seniors should wear sunscreen everysummer fun. The summer sun is meant to be enjoyed but it can be a dangerous threat where if they go outside longer than 15 minutes. Seniors need to exercise, but especially for senior citizens. to avoid too much sun they can walk in Times have changed when it comes malls, casinos, or museums. to people’s thinking about the sun. That Sun Myth #4: The sun isn’t a probdeep, dark tan is no longer viewed as a lem on cloudy days. good thing. Plus, there are plenty of misThe sun doesn’t feel as hot when it’s conceptions about the summer sun. So taking the advice of the Centers for Disease cloudy but the UVA and UVB rays that tan and burn your skin are still shining down Control and Prevention, we compiled this and being absorbed. Seniors’ skin is more list of sun safety myths and senior sun sensitive. The sun’s rays are more intense safety tips. in the summer so even on a cloudy day Sun Myth #1: Seniors need constant seniors should still wear sunscreen and sun to supply vitamin D. sun protection. Seniors only need about 15 minutes or Sun Myth #5: There’s nothing seniors less of sun exposure two to three times a week on their faces and hands for their bod- can do if they get sunburn The bad news is that’s partially true. ies to produce an adequate supply of Vitamin D. Vitamin D can also be found in foods The CDC recommends aspirin, acetaminoand in multivitamins. Seniors should always phen or ibuprofen to relieve pain, headache wear sunscreen, a hat and light clothing that and fever. When seniors are exposed to too much sun they’re at severe risk for cover their skin when they are in the sun. dehydration. They should drink six to eight Sun Myth #2: Seniors only need to glasses of water a day and eat fresh fruits apply sunscreen once a day and vegetables. They can also take a cool Sunscreen needs time to work. Seniors should apply it about an hour before going bath and use an aloe cream to moisturize skin. out into the sun and reapply about every Sun Myth #6: Sunburn is the only two hours. They should reapply more sun problem seniors should worry about frequently if they are swimming. They The sun can also hurt your eyes. The should use a broad spectrum sunscreen UV rays can cause cataracts, macular that blocks both UVA and UVB rays. UVA degeneration and skin cancer around rays cause tanning and wrinkling while the eyes. Seniors should always wear UVB rays cause sunburn, aging, wrinkling and skin cancer. Use sunscreen with a Sun sunglasses. Choose brown, gray or green lenses and the darker and larger the lens Protection Factor of at least 15. Use SPF the better. Seniors should choose glasses 30 or higher if you have a history of skin cancer or have fair skin. The risk for cancer that wrap around their eyes and block a high percentage of UV rays. increases as you get older. Seniors should

ROBERT NATIONS

A Kiss is Still A Kiss… Time has gone by and Mom and Dad are still sweet on each other after 60 years. Last year they moved in with my family - too many stairs in their home. We all happily gave up our prime spots on the sofa so they could cuddle nightly, watch the news, and smooch goodnight. It’s a blessing to have them with us, but for me, it’s also like adding two more kid’s worth of work. If you are caring for aging parents full or part time, you deserve a break. Go ahead and plan that get-away, it’s important to reconnect with your spouse and kids – slow down, breathe. Peace of mind is possible, just call Áegis Living. Áegis Living is the trusted senior living company, known for the finest care, the most balanced and nutritious cuisine, all in loving and beautiful environments where seniors enjoy planned activities and socializing all day long. Short term stays can be custom made to your family’s needs. Please call the Áegis nearest you and learn how we can help you take the break you need. Áegis of Napa 2100 Redwood Rd. Napa, CA 94558

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6 — BEST YEARS

Thursday, July 30, 2015

Ballroom dancing benefits seniors ‌On July 7, 2015, Napa Mayor Jill Techel officially proclaimed July as Ballroom Dance for Senior Fitness Awareness Month at a gala event held at the Lincoln Theater. The event was to launch fund drive for the production of a motivational short film titled, “Take Me Out to the Ballroom.” The film is to be produced by Veteran Stone, Inc. The following day, July 8, Yountville Mayor John Dunbar presented a similar proclamation at the Veterans Home Allied Council meeting. Ballroom dancing is the best leisure activity that protects seniors against dementia. Based on the study from Albert Einstein Academy, published by the New England Journal of Medicine in 2003, frequent ballroom dancers had lowered the risk of dementia by 76 percent compared to those who did not dance at all. The second best activity was doing crossword puzzles which only offered 47 percent risk reduction. According to data from the Alzheimer’s Association, 1 out of 10 men will develop dementia compared to 1 out of 6 for

with Napa Ballroom Dancers, Tuesday Night Dancers, Veterans Home Sunday Dance, KVET closed circuit TV and Napa Public Access TV to raise awareness of the mental and physical benefits of ballroom dancing for seniors. Ballroom dancing is also a great way to make friends. Since it can be so much fun, it’s sustainable. Despite all these benefits, a vast majority of seniors do not dance. That is why funding this motivational video is so necessary. Our model is simple: Let the organizers keep hosting the dances, the government helps fund the program, and we motivate the seniors to come dancing by producing motivational films. Ballroom dancing is not only an exercise, it’s also an entertainment and a social ritual. We want healthier seniors, and more important, we want happier seniors. Let’s women. In 2015, 5.3 million Americans will dementia patients by as many as 4 million, Dance Against Dementia! Let’s Dance Away Depression! Let’s Dance for Fun! with savings in the billions of dollars. suffer some form of dementia, and $226 See the proclamation of Ballroom Ballroom dancing helps the brain funcBillion will be spent for caring. Based on tion, balance, posture, heart health AND it Dance for Senior Fitness presented by the fact that risk reduction for frequent Napa Mayor Jill Techel: youtube.com/ helps reduce depression. ballroom dancers is 76 percent, ballroom watch?v=KtxY0PP8vsw. Veteran Stone, Inc. is joining forces dancing could lower the number of

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Thursday, July 30, 2015

BEST YEARS — 7

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Good nutrition is important for seniors ROBERT NATIONS

‌T

he U.S. Census Bureau projects that in 20 years, 21 percent of our population will be 65 years of age and older. The number of older adults will then exceed the number of children in America! Good nutrition is more of a concern than ever before. The more we learn about aging and the importance of nutrition, the more we realize how a nutritious diet and regular exercise can help ensure the best quality of life long into our golden years. As we age, our metabolism slows and our digestive system changes. Illnesses, medications, loneliness and depression can alter our appetites. Decreasing physical activity levels can lead to weight gain which may cause numerous ailments. In order to remain energetic and active, we need to learn what older bodies need to function at their best. Seniors have different nutritional requirements. Senior need high quality carbohydrates to fuel our energy and soluble and insoluble fiber to maintain proper digestion. Good sources include whole grains like brown rice, oats, whole wheat, rye and barley. These, plus plenty of vitamin-, mineral-, and antioxidantrich fruits and veggies like apples, oranges, tomatoes, broccoli, spinach, bell peppers, carrots and yams should make up the bulk

of our diet. To keep bones and teeth strong, look to skim or low-fat milk, yogurt and cheeses. We also require adequate protein to maintain muscle mass and feed cognitive function, and a reduction in saturated fat calories for heart health and to avoid excess weight gain. Reducing red meat consumption in favor of leaner protein choices like tofu, beans, skinless poultry and fish is recommended. Eggs and nuts eaten in moderation provide healthier fat sources. Cooking oils should be low or unsaturated fat varieties such as olive, canola and sunflower. Unlike saturated fats, these oils will remain fluid if refrigerated. “You are what you eat.” Throughout our lives, our bodies are constantly undergoing changes. Understanding how to feed these different stages of development can affect our ability to enjoy the years ahead, allowing us to preserve and share with others the wonderment we had as children, the creativity and involvement of our middle years, and the wisdom of our maturity.

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8 — BEST YEARS

Thursday, July 30, 2015

Social Security Strategy ‌ Y Collect A Spousal Benefit Now, Your Own Benefit Later

ou may be able to get more income from Social Security by looking at your options as a couple, rather than as two individuals. This “collect now and later” strategy can lock in a higher survivor benefit, which can prove quite valuable for a long-lived spouse. Here’s how it works.

Benefit: When married, the “collect now and later” strategy allows you to collect a spousal benefit while accumulating delayed retirement credits on your own benefit amount (at the rate of 8 percent per year for every year you wait pass your FRA up to age 70). Usually the higher earner of a couple would consider this so they could get the most possible at age 70. That higher age 70 benefit amount would then get locked in as a survivor benefit.

Works if: You have reached full retirement age (FRA) and your spouse has applied for benefits. Why doesn’t it work if you have NOT reached FRA? If you apply for Social Security benefits before full retirement age, you automatically qualify for and are given the higher of: 1) a benefit based on your own earnings record, or 2) 50 percent of your spouse’s full retirement age benefit (then further reduced if you are claiming before your own full

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retirement age). You cannot choose which to take. If you wait until full retirement age to apply you have more choices. Once you reach full retirement age, you can apply for benefits and choose to begin collecting just a spousal benefit based on your spouse’s earnings record (or ex-spouse

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if you were married for at least 10 years). Your own Social Security benefit will continue to accumulate delayed retirement credits until your age 70. When you reach age 70 you switch from taking the spousal benefit to taking your own benefit. In order to implement this strategy you will need to file a restricted application when you reach your full retirement age. Example: Kara, age 66, is still working. Her husband Bob is collecting Social Security retirement benefits. Kara applies for Social Security and chooses to receive her spousal benefit based on Bob’s earnings record. Kara continues to work until age 70. She collects her spousal benefit while working for the next four years; at age 70 she retires and switches to her own, now much larger, Social Security benefit. (Note: Kara does not have to continue to work to take advantage of this strategy) Note: Even if Kara is not still working, this strategy may result in a greater amount of total benefits over her and Bob’s lifetime. Best approach: Go to www.thefuture-is-yours.com and request a FREE Social Security Report to see what claiming strategy might work best for you.

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BEST YEARS — 9

Simple tips to designing safe living spaces BPT

he saying goes, “With age comes wisdom,” but oftentimes, it also comes with a new set of physical challenges, such as limited mobility and difficulties with hearing and seeing. That’s why when designing living spaces for seniors, whether in an assisted living community or in your life-long home, safety and comfort take a front seat.

Certain furniture or design elements in your home that made sense before may no longer be practical. Fortunately, experts share there are many options available to address common aging factors, including increased risk of falling or declining vision. It starts by getting a little creative and designing a living environment that promotes continued independence, with form and function Andrea Owensby, senior director of Design for Sunrise Senior Living, explains, “Ensuring your aging loved one’s safety can seem overwhelming at times, but there are a lot of simple changes you can make to help prevent accidents and improve quality of life so that seniors feel more at ease in their homes.” Andrea and her team suggest these tips: 1. Finesse the furniture: Create an open living space with larger pathways between furniture, which allows walkers or wheelchairs to easily maneuver the space. Strategically place larger pieces of furniture so they can be used for balance while moving throughout the room. 2. Think lightweight and sturdy: Furniture should be light enough to easily be moved, but also needs to be heavy enough that it won’t slip out from under someone when they’re sitting down or standing up. Having arms on chairs, for example, assists with balance. 3. Take into account shapes: Having round furniture keeps the layout open and protects your loved one from bumping into sharp corners. Switch out round knobs for pulls and levers, which can greatly help those experiencing arthritis.

4. Create an accessible space: Place frequently used items in accessible cabinets and drawers. Keeping items at waist-height eliminates the need to reach high or bend down. This helps to reduce the risk of falls, while promoting independence by encouraging seniors to do things on their own. Also, putting lamps, microwaves and telephones at arms-length eliminates the need to reach and potentially lose balance. 5. Hide your cords: Taping down or tucking away cords eliminates the potential for tripping. The easiest way to do this is to place cords behind and under furniture or along the edges of a room. Visit your local office supply store, which likely offers cable management products. 6. Avoid scattered rugs: Although decorative, area rugs can be a tripping hazard and increase the risk of falls for seniors. Be sure when they are used you purchase rugs that are non-slip and a contrast color to the floor below so they are easier to detect by aging eyes. 7. Make it practical: When choosing chairs and couches for a home, style is important but most critical is that the pieces are well-designed and purposeful. Having furniture that is too low, deep, or stiff can make it difficult to get on and off. 8. Leverage lighting options: Using lighting at the right levels for a task can make all the difference. Motion-sensor lights—especially between the bedroom and bathroom—make for easier navigation. Not only is this helping to create a safe environment, you’re also being energy conscious! Ensure task areas are well lit to reduce strain on the eyes, and incorporate

natural light as much as possible. Finally, a safely decorated home doesn’t have to sacrifice style or personal touches. Consider recreating the look of a previous home with fewer pieces, or add a common color scheme in a room to

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Thursday, July 30, 2015

Long-Term Care Ombudsman offers helping hand ‌If you live in a nursing home or other long-term care facility, or know someone who does, there may be times when you need help solving problems or addressing concerns. The Long-Term Care Ombudsman Program (LTCOP) is ready and willing to assist you. Staff and volunteers work with residents and their families to resolve complaints or provide information and other assistance, including placement. The Ombudsman Program has existed since 1975 with programs in all 50 states. The Older Americans Act and the Older Californians Act authorize Ombudsmen to advocate for and protect residents in long-term care facilities, which include skilled nursing homes and residential care facilities such as assisted living and board and care homes. The mission of the program is to advocate for the dignity, quality-of-life and quality-of-care for all residents in facilities. Problems commonly encountered include provision of proper diets, inadequate personal care or care planning, improper administration of medications,

violation of residents’ rights and various forms of abuse. Ombudsmen receive, investigate and resolve complaints, including complaints of elder and dependent adult abuse made by, or on behalf of, individual residents in long-term care facilities. Complaints may be made to the local program at 255- 4236 or to the State Hotline number at 800231-4024. Ombudsmen also demonstrate

a proactive approach, ensuring a presence in facilities by making frequent and consistent visits — once a week to skilled nursing and once a month to residential care facilities. Ombudsmen identify concerns, address issues, and form relationships. They help with resident and family councils and witness Advance Directives. All services are free and confidential. Ombudsmen monitor poor and best practices in facilities, reporting violations of regulation or law to the appropriate licensing authorities or to law enforcement. They work with the State Department of Public Health, the State Department of Social Services’ Community Care Licensing, the State Attorney-General, the local district attorney and local law enforcement. Ombudsmen are involved with local community collaborations in trying to educate other agencies and the public about the services they provide and about the rights of the residents for whom they advocate. Napa is lucky to have very active senior advocates, including the members of the Board of Supervisors’ Commission on Aging, the District Attorney’s Elder

Abuse Prevention Council, the local Alliance on Aging, the Area Agency on Aging Serving Napa-Solano, and the Healthy Aging Population Initiative (HAPI) made up of many local nonprofitagencies serving seniors. The Ombudsman Program advocates for residents at the local and state levels and tracks and comments on proposed changes in laws, regulations, and policies at the federal level. The Ombudsmen’s experience in long-term care facilities has shown that when residents and families understand the system, they are able to effectively act on their own behalf when problems occur. Ombudsmen encourage access to advocacy by letting residents know what kind of care they should expect and by providing a mechanism to file a complaint. If you are interested in learning more about the Ombudsman Program, or would like to become a volunteer, contact the local Program Coordinator, Elizabeth Mautner, at 255-4236. The office is located at 1443 Main St., Suite 125 D, in Napa.

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Thursday, July 30, 2015

BEST YEARS — 11

Seven Facts About Reverse Mortgages They can help you enjoy a comfortable, worry-free retirement!

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hances are you’ve been dreaming about this moment throughout your working life! Being retired and having the time and money to:

No matter how much you receive, you never have to make monthly principal or interest payments (until you move), so you get the money you need without very expensive once you’ve reducing your cash flow! — Travel FACT #2: There paid real estate fees, mov— Fix up the famare no income, asset, ing expenses, legal fees, ily home etc. There’s got to be a bet- employment or credit — Indulge in hobbies requirements. ter solution! like gardening Since the amount you You don’t have to leave — Visit your grandchilreceive is secured against the family home! dren your home, qualifying is There IS a better solu— Spend weekends at easy and hassle-free—even tion, and for many seniors the cottage if you’re living on a very it’s a reverse mortgage. — Help your children limited retirement income. A REVERSE MORTbuy a home FACT #3: You can GAGE is a specialized — Pay off debts receive the money — Help your grandchil- financial product for peowhichever way works ple 62 and over who own dren with tuition fees their own home. It lets you best for your lifestyle. — Not have to worry With a reverse mortstay in your home while about anything! gage, you can choose a benefiting from the value But now that you’re single lump sum payyou’ve built up in that retired, you may have ment, a regular monthly property over the years. been caught off guard by cash advance, a credit Compared to a regular the expenses associated line account that lets you mortgage, a reverse mortwith retirement, such as decide when and how property taxes, unexpected gage can offer substantial much cash is paid to you, medical bills, rising energy monthly cash savings, so you have all the income you or a combination of any of and utility expenses, and these options. need to live the retirement the overall cost of living FACT #4: A reverse of your dreams. which seems to get higher Let’s see if you’re one of mortgage can be used every year. Sure, you have your pension income, but it the vast majority of Ameri- to clear up all your may not be enough to make can seniors who can benefit remaining debts. Maybe you still have a from a reverse mortgage. ends meet. small mortgage remainHere are the 7 facts you If you’re like many ing on your house and seniors, most of your assets need to know: the payments are cutFACT #1: Regular are tied up in your house. ting into your lifestyle. mortgages require you But accessing that equity Maybe you have monthly can be difficult. Most banks to pay a lender. credit card bills piling up. A reverse mortgage won’t give you a mortgage A reverse mortgage can pays you! because you don’t have be the ideal solution. In If you and your spouse enough income to make most cases, you can use are 62 or older and you monthly payments. the funds to eliminate own your home as your So what are mortgage payments and principal residence, you your options? credit card debts, and still may be eligible to receive Well, you could downan amount based on a HUD have enough left over so size and sell your house. you can enjoy life more formula that factors in the But isn’t that where you age of the youngest home- and not have to worry always dreamed you’d about money. owner, the interest rate spend your retirement? FACT #5: Your and the appraised value of Leaving the home where income taxes, Social the home (generally, the you raised your family, Security and Medicare more valuable your home put down roots and made benefits are unaffected. is, the older you are, and lifelong friends would be As a retired person, one the lower the interest rate, heart-breaking. Besides, of your major concerns is the more you can borrow). selling and moving can be

how much you’ll be paying in taxes each year, since that can really affect your cash flow. Fortunately, the money you receive from a reverse mortgage isn’t considered income— even if it’s invested in an account or annuity with monthly withdrawals. This is because the home equity you’re accessing has already been taxed, since you purchased your home with after-tax dollars. Not only don’t you have to pay taxes on your reverse mortgage proceeds, they won’t bump you up into the next tax bracket. And since they’re not considered income, they won’t affect your Social Security and Medicare benefits (in some states reverse mortgage

proceeds may impact Medicaid eligibility). FACT #6: It’s ALWAYS your home! You’ll never be asked to move or sell your home to repay your reverse mortgage, as long as you maintain the property and stay up-to-date with property taxes, fire insurance and condominium or maintenance fees. Your equity and estate is fully protected since the reverse mortgage amount can never exceed your home value. Sure, the equity in your home will decrease over the years as you receive payments, but your home’s value will likely increase even more quickly over the same period. FACT #7: The interest

on your reverse mortgage can sometimes be tax deductible. If you use the money you receive to make investments in stocks or mutual funds, you may be able to write off the interest costs of your reverse mortgage at tax time. This can help offset the taxes you owe on any income you might have. There you have it — seven compelling reasons why a reverse mortgage may be the right solution for you! Not only will you have all the cash flow and security you need to accomplish your retirement dreams, you’ll continue to live in your own home and own it with much of the equity left intact!

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12 — BEST YEARS

Thursday, July 30, 2015

Five bad behaviors that may be derailing your retirement savings BPT

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ore than half of Americans are worried about running out of money when they retire, yet a staggering 80 percent don’t have the knowledge they need to successfully build a nest egg and make it last throughout their retirement, according to The American College 2014 Retirement Income Survey. Yet by changing just five basic behaviors, Americans can improve their retirementsaving habits—and their likelihood of staying financially secure throughout retirement. In the Retirement Income Literacy Survey of more than 1,000 people by The American College of Financial Services, 52 percent said they were at least moderately worried their savings wouldn’t

last through their retirement. They’re right to be concerned, says Jamie McInnes, senior vice president of total retirement solutions at Prudential Retirement. “Retirees face many

challenges when trying to save enough money to last throughout their lifetime,” McInnes says. “What they might not realize is how common behaviors that all humans give into from time to time can have a

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Research Institute cite cost of living and day-tobig impact on retirement day expenses as the top readiness. By learning to reasons why they don’t recognize and avoid these save for retirement. Yet behaviors, more American starting early with just workers can successfully nominal monthly contriplan for their retirebutions can help build your ment years.” nest egg. The sooner you Prudential’s research begin saving, and the more has identified some comyou save, the more money mon behaviors that keep your investments can earn people from saving, and toward your retirement. what motivates people to 3. Failing to expect— plan for a secure retireand prepare for— ment. the worst. 1. Underestimating Job loss, illness, life expectancy. accident, the death of A study by the Society a spouse—many things of Actuaries found that can impact your ability to more than half of Amerisave for retirement, and cans underestimate how long they’ll live—and how your income during your long their savings will need retirement years. While it is human nature to hope to last. Better health care nothing bad will ever hapand increased life expecpen, it’s important to be tancy mean you may live 20 years, 30 or even longer realistic when planning for retirement. Hope for the as a retiree. This means best, but plan for the unexit’s not only important to save for retirement, but to pected. 4. Giving in to the understand how to make your savings last through- urge to follow others. Human beings are very out your lifetime. social; if you see other 2. Procrastinatpeople doing something, ing about retireyou want to follow. But ment saving. sometimes “following the When you’re wrestling pack” when it comes to with everyday financial making financial decisions commitments, it can be tempting to put off saving can get you in trouble. Resist the temptation to for retirement. In fact, 53 “keep up with the Joneses.” percent of workers polled Only buy what you can by the Employee Benefit

afford. Staying on track for retirement often means resisting peer pressure. 5. Allowing “I want it now” thinking to impact retirement savings. Human brains are hard-wired to live in the moment. An “I want it now” approach to spending could lead you to have trouble putting money away for tomorrow. An occasional splurge may be OK, but don’t get yourself into a spot where you think you have to tap into your retirement savings to fund impulse purchases. Dipping into your retirement savings can be devastating to your long-term financial goals. “Putting money aside for retirement while you’re still working is vital, but it’s only part of the solution,” McInnes says. “By learning to recognize how common human behaviors may be sabotaging your retirement security, you stand a much better chance of sticking to a solid savings plan that can keep you financially secure throughout your retirement.” For more information and advice on saving for retirement, visit Preparewithpru.com, and bringyourchallenges.com, which illustrates the five common behaviors that can get in the way of successful retirement planning.

Thursday, July 30, 2015

BEST YEARS — 13

Health trumps wealth for many retirees BPT

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hoever said, “If you have your health, you have everything,” must have been retired. That’s because retirees feel more financially secure when they’re in good health according to new research. And when they feel financially secure, retirees also report they’re enjoying retirement more, they feel fulfilled and are less likely to experience negative emotions.

The study, Health, Wealth and Happiness in Retirement (www.massmutual. com/healthwealth) is part of a larger research project conducted on behalf of MassMutual by Greenwald & Associates. The research split 905 retirees with at least $50,000 in assets into two subgroups: those who characterized their health as excellent or very good and those who characterized their health as good or poor. “The message for both retirees and pre-retirees is that health has a major impact on satisfaction with life in retirement,” says Elaine Sarsynski, executive vice president of MassMutual Retirement Services. “We need to focus on our health as much as possible so we can enjoy life to the fullest extent in our later years. While none of us can predict how healthy we will be in the future, we can help influence the outcome by making lifestyle choices that promote good health.” Seven out of 10 retirees in better health say they feel financially secure compared to 51 percent of retirees in poorer health, the study found. Retirees in poorer health were twice as likely to feel anxious about their finances and lack a sense of purpose, and three times more likely to feel lonely, the research found. Also, four in 10 retirees overall say they spend more on health care than they expected before retiring, with 43 percent spending more than $5,000 annually and 14 percent spending more than $10,000.

If you’re in retirement, or looking forward to retirement, maintaining a healthy lifestyle should be a goal to help you better enjoy your retirement years. An earlier study conducted by MassMutual and Greenwald & Associates, Hopes, Fears and Reality—What Workers Expect in Retirement and What Steps Help Them Achieve the Retirement They Want (www.massmutual.com/retire), found that nearly half of all retirees retired sooner than they anticipated. This may mean that they are retiring at a younger age, and looking forward to enjoying their retirement years as much as possible. Studies show that good health allows retirees to get out and enjoy life. Playing golf or tennis, spending the afternoon on a boat, or meeting with friends and family for lunch or dinner are all enjoyable activities retirees may have time to do. However, when a person falls ill, they may not be able to get out and enjoy the retired life as much as someone who is healthy. “Our study focused on people in the first 15 years of retirement,” says Mathew Greenwald, president of Greenwald & Associates. “In many cases, serious medical issues arise after that, in older age. But even in the healthiest part of retirement, better health clearly has an impact on most people’s ability to fully enjoy retirement. Many of these issues will only be exacerbated for retirees as they age, which puts an exclamation point on the importance of wellness.”

“

The message for both retirees and pre-retirees is that health has a major impact on satisfaction with life in retirement.” Elaine Sarsynski, executive vice president of MassMutual Retirement Services

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14 — BEST YEARS

Thursday, July 30, 2015

Can the VA help me pay for home care? ROBERT NATIONS

‌Can the VA help me pay for care in my home? The answer is YES. You will have to meet the Veteran Administration’s qualifications. As I understand it, there are two overall programs: Compensation and Pension. Disability Compensation — This is a monetary benefit paid to veterans who are disabled by an injury or disease that was incurred or aggravated during active military service. For example, a Vietnam vet lost his hearing during his service. Generally, people that qualify for this program are already receiving this benefit. However, your physical or mental condition may

have changed. This change could result in an increase in benefits. If you were injured during your service and you have not accessed this benefit, you should. Disability Pension – This is a monetary benefit paid to veterans with low income who are permanently disabled, age 65 and older. For example, a Korean Vet with good health as a result of my

service. However, last year broke his hip and now struggles with getting around. What does it take to qualify for the pension program? — Discharge from the service other than dishonorable conditions. — 90 Days or more of active service and at least one day of which was during a period of war. Veterans who entered active duty on or after September 8, 1980 generally must have served at least — 24 months or the full period for which called or ordered to active duty. — Countable family income falls below a yearly limit set by law. — Cash Assets. Generally the VA will allow up

to $80,000. Primary residence and car are exempt. Can a veteran or their surviving spouse use the pension program to pay for home care? Yes, if the Veteran and/or spouse needs assistance with at least 2 activities of daily living (ADLs). Within the pension program there are two benefits: — Aid & Attendance — House Bound The main differences are: — Aid & Attendance – The person requires the aid of another person in order to perform Activities of Daily Living (ADLs). Examples of ADLs are meal prep, bathing, dressing, or protecting one’s self from the hazards of their daily

environment. — House Bound – The person is permanently and substantially confined to his/her immediate residence. Both programs require a Physician’s Report . Based on the physician’s input and other required medical evidence, the VA will determine if you qualify for the Aid & Attendance or House Bound benefit. Aid & Attendance and House Bound payments are slightly different. For example today, the maximum you may receive based on the Aid & Attendance program: — A Veteran with one dependent $2,085 — A Veteran with no dependents $1,758 — Surviving

spouse $1,130 The VA takes into account your income less any unreimbursed medical related expenses, to determine your monthly reimbursement. The process can take some time to receive money from these programs. However, the benefits are retroactive to the date you applied. The best news…there are people who can help. Every county in California has a Veterans Service Office (VSO). These people can help a veteran complete the paperwork and qualify for the different programs. The Napa VSO can be reached at 707-2534558. If you don’t know where to get started, you can call me at Senior Helpers at 707-251-1611.

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Thursday, July 30, 2015

BEST YEARS — 15

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Napa Long-Term Care Ombudsman 1443 Main Street, Suite 125, Napa, CA 94559 Phone (707) 255-4236 • Fax (707) 255-4713 Email: napaombudsman@aaans.org 24-hour State Ombudsman Hotline: 1-800-231-4024 This service is funded by the Area Agency on Aging Serving Napa-Solano and private donations.

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16 — BEST YEARS

Thursday, July 30, 2015

FROM 100-YEAR-OLDS, 10-YEAR-OLDS ...

Happy and healthy how-tos BPT

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pinning and yoga classes are no longer reserved for only the young and restless. Take a closer look around, and you might just find that it’s great-grandparents who are out-pedaling you on the stationary bikes. In fact, according to UnitedHealthcare’s 100@100 survey, nearly a quarter of 100-year-olds (24 percent) report doing cardiovascular exercise indoors at least once a week; almost one-third (29 percent) meditate or do other stress-relieving activities; and even more say they exercise to strengthen their muscles (34 percent).

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Every year, UnitedHealthcare polls 100 centenarians for their insights and perspectives on reaching the century milestone. To mark the survey’s 10th anniversary in 2015, UnitedHealthcare also polled 100 10-yearolds to compare responses among the generations. Findings from the survey suggest 100-year-olds are staying active, feeling positive, and embracing the present. And the kids? Though they may be small, their thoughts are anything but. Here are some key takeaways. 1. Embrace your smile lines. Mind and body are linked, according to 1 in 4 centenarians surveyed who say the key to staying healthy is having a positive attitude. This aligns with last year’s 100@100 survey, in which two-thirds of centenarians said attitude is as important as physical health in terms of living 100 years or more. When it comes to positivity, the 100-year-olds have an edge on the kids. More than half (61 percent) say they feel very positive, while only 44 percent of 10-year-olds say the same. On the bright side, centenarians say it gets easier to maintain a positive attitude with age, so 10-year-olds have the next 90 years to catch up. Both groups say family and friends are key to maintaining a positive attitude.

2. Nurture family relationships. Despite many years together, centenarians feel anything but “stuck” with their families. In fact, they actively stay in touch, with 83 percent saying they speak with extended family members at least weekly. Nearly 9 in 10 centenarians (89 percent) say visiting with family and friends makes them happy, and two-thirds of 10-year-olds agree. What’s more, almost half (45 percent) of 100-year-olds and 40 percent of 10-year-olds say they’d prefer to spend time with a family member above anyone else in the world. And when it comes to childhood role models, both groups cite family above teachers, celebrities or others, with mom being the most popular choice. 3. Remember, age is just a number. While both groups say it’s good to be young, many centenarians embrace their age. Perhaps that’s because, on average, the 100-year-olds report feeling more than two decades younger than they are, and 60 percent say they do not feel old. Given the choice between being their current age or 10-years-old, more than half of centenarians (58 percent) say they would rather be 100. For more information on UnitedHealthcare’s 100@100 survey, visit UHC.com/100.

Thursday, July 30, 2015

BEST YEARS — 17

Knowing early signs of shingles “ may save you years of pain

Shingles, also known as herpes zoster, can effect anyone who has recovered from chickenpox at any age, but as you get older you are more likely to get the disease. In fact, the majority of shingles cases occur in people age 50 years or older.”

BPT

‌Did you know almost one out of three people in America will develop shingles in their lifetime? A whopping 1 million Americans experience the condition each year, according to the Centers for Disease Control and Prevention. Understanding the early signs and symptoms can help you protect yourself and loved ones and may enable you to enroll in a clinical trial of a new drug therapy designed to treat the pain associated with shingles. “Shingles, also known as herpes zoster, can effect anyone who has recovered from chickenpox at any age, but as you get older you are more likely to get the disease,” says Stephen K. Tyring, M.D., Ph.D., dermatologist and virologist. “In fact, the majority of shingles cases occur in people age 50 years or older.” Dr. Tyring says that the first sign of shingles is often pain, burning or tingling on the torso or face. This can occur one to five days before the physical signs of shingles—typically a rash and blisters— appear. This can make early diagnosis difficult. “Shingles is challenging to identify in its early stage because the pain appears to not be associated with a particular disease. Making patients aware of the early symptoms is important because if shingles progresses without treatment the pain may increase and the rash and blistering will become more pronounced,” commented Dr. Tyring. Dr. Tyring urges everyone to be aware of the

Stephen K. Tyring, M.D., Ph.D., dermatologist and virologist.

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early signs of shingles and the importance of seeking treatment immediately. People tend to try to “wait it out” and visit the doctor only when the symptoms and pain become severe. Visiting a doctor promptly within 72 hours of the first blister can help ensure you get the professional advice necessary to overcome the illness. The rising incidence of shingles highlights the need for better therapies to help patients -particularly those at increased risk, such as seniors or those with a compromised immune system. A new clinical trial is seeking participants to test a promising drug therapy that is designed to treat the pain associated with shingles, known as post-herpetic neuralgia or PHN. PHN can last for several months or even years after the rash goes away and it occurs

in about 20 percent of people who get shingles. If you or a loved one is diagnosed with shingles, you may be able to participate in this important clinical trial. Here are some of the criteria patients must meet in order to participate in the study: Be 50 years of age or older.Are able to receive your first dose of study medication within 72 hours (3 days) of a possible shingles rash appearing.Have not received the shingles vaccine.”Shingles is on the rise and more potent drugs are needed,” says Dr. Tyring. “This clinical trial will help the medical community learn more about how to best treat this disease so everyone can stay as healthy as possible.” Learn more by visiting: https://www.clinicaltrials. gov/ct2/show/NCT02412 917?term=nct02412917&r ank=1.

Discovering Retirement The Right Way

These days retirement isn’t about slowing down, it’s about moving forward into a future that you control. Dunton Health & Wealth ~ Greg Dunton 2013 Redwood Road, Napa, CA 94558 707-927-5549 • www.the-future-is-yours.com

18 — BEST YEARS

Thursday, July 30, 2015

Protect yourself from summer heat chronic health conditions, and dementia that may make it difficult for people ‌Staying cool during to recognize thirst or to summer heat isn’t just a know how to properly proquestion of comfort for tect themselves from sun older folks, it’s a matter of good health. High temper- and heat.” Heat-related deaths atures can lead to serious heat-related illnesses such occur more frequently as heat exhaustion and heat among older people than younger age groups, with stroke, and older people are at greater risk, no mat- those older than 75 being substantially more at ter where they live, health risk, according to A 2014 experts say. National Health Statistics “As we get older, it Report by the Centers for gets more difficult for Disease Control and Preour bodies to manage vention. extreme heat,” says Dr. O’Neil, whose organizaKevin O’Neil, chief medition serves approximately cal officer for Brookdale senior living. “A number of 100,000 seniors in 1,147 communities throughout factors contribute to this the United States, offers problem, including physiological changes, increased guidance on how seniors and their care-givers use of medications—such can act to prevent heatas diuretics—that can contribute to dehydration, related illnesses:

BPT

Learn the symptoms of heat exhaustion and heat stroke.

BECAUSE YOU WENT IN, WE’RE GOING IN. VETERANS, SPOUSES OF VETERANS, AND SURVIVING SPOUSES OF VETERANS:

For more information, please visit www.seniorhelpers.com/Napa or call (707) 251-1540. Senior Helpers 1100 Trancas Street, Suite 214, Napa, CA 94558

You, a veteran or spouse of a veteran that you know may be eligible for a special benefit from the V.A. This benefit pays seniors for the in-home care they need. Whether you require the aid and attendance of another person at home or need Senior Helpers’ award-winning Alzheimer’s care, call today to see if you qualify and how you can apply.

disorders, including high blood pressure. Diuretics can contribute to dehydration, and other medications may lower your resistance to the effects of extreme heat. If you’re on a diuretic, increase your water intake during the summer. Be aware that alcoholic beverages may also affect your body’s ability to regulate temperature. Talk to your doctor about your medications and how they may affect you during times of extreme heat. Be aware of how your medical conditions might elevate your risks. Certain medical conditions—such as neuromuscular disorders, cardiovascular disease and renal dissystem, which can affect Heat exhaustion and ease—can increase your risk your blood pressure.” heat stroke are the most of overheating, and make Aging may make you serious forms of heatyou more likely to suffer less able to perceive thirst, related illness, and they from heat-related illnesses. too, so you may not realcan be fatal for older People with Alzheimer’s people. Symptoms of heat ize you need fluid. “I tell or other dementia may not people to drink more than exhaustion include heavy know when they’re feeling you’re thirsty for, espesweating, nausea, weakthirsty or too hot, and may cially when exercising or ness or fainting, and cold, not be able to communicate in warmer weather. Eating clammy skin. Heat stroke how they’re feeling. Be fruits and vegetables with symptoms include a body aware that heat can also a high water content, like temperature higher than make medical conditions watermelon, is also a good 103 degrees Fahrenheit, worse. Heat-related issues hot or red skin, a fast pulse way to increase your fluid can elevate your risk of falland possible unconscious- intake, especially if you have trouble remembering ing, and falls are a leading ness. cause of hospitalization to drink more.” If you recognize any of for seniors. Watch for signs of these symptoms in yourTake steps to stay cool. dehydration, including self or a senior loved one, Avoid exercising dururine that’s a darker yellow, seek medical assistance ing the heat of the day, rather than pale or clear. immediately. For heat especially outdoors, and Mild dehydration can lead stroke symptoms, call 911 monitor weather reports for help. It’s critical to treat to heat cramps, and you both conditions as quickly can combat mild dehydra- for temperature and airquality forecasts. Choose tion by simply drinking as possible. exercises like swimming more. Severe dehydration Fight dehydration can lead to heat stroke and and water aerobics, “Seniors can be at may require treatment with and consider exercising particular risk of becomindoors. Check and change intravenous fluids. ing dehydrated during the air-conditioning filters Be aware of medicathe summer,” O’Neil says. in your home to ensure tions’ effect on heat“Normally, when we get your air conditioning is related illnesses. hot, our bodies sweat to working at its best to keep Most seniors are on at dissipate the heat, but if you cool. you’re dehydrated the vol- least one type of medicaChoose lightweight, tion, and diuretics are ume of fluid in your body light-colored clothing to a common treatment is already depleted. That help your body stay cool. for multiple common can impact your vascular

Thursday, July 30, 2015

Celebrate life ‌H

Pre-planning saves loved ones from difficult choices

ow do you want to be remembered? This a question most Pre-planning demonstrates people consider, but few people talk about it with their loved love and consideration ones. And all too often, when someone dies, family members are left to guess what type of arrangements their loved one wanted. It toward your family members by giving them direction for doesn’t have to be that way.

“

final arrangement decisions.”

Why make prearrangements? The reason is simple. You love your family and you want to spare them the necessity of having to make complicated choices and arrangements at the most difficult time of their lives. Pre-planning demonstrates love and consideration toward your family members by giving them direction for final arrangement decisions. It allows them to grieve

BEST YEARS — 19

without the pressure of making emotional decisions. How is planning done? A funeral home staff member will meet with you at a time that is convenient, and assist you in recording your wishes. You can arrange the details of your funeral in advance, at your own pace. You can reflect on your decisions,

and specify exactly the way in which you’d like to be remembered. You can choose the type of service that suits you best, even picking out a casket or urn, location of the service, and type of flowers and music. Important obituary information will be recorded. Once you have made your selections, a file will be kept at the funeral home until needed.

Plus, that file is transferable should you move or decide to choose another funeral home. Does it cost anything to make prearrangements? No, an unfunded preneed can be kept on file to give your family direction regarding your wishes. However, there are payment options available to prepay your arrangements which enable the funeral home to guarantee today’s prices and protect your family from any cost increases in the future. So, regardless of whether you pay for your arrangements in advance, planning is one of the most considerate, compassionate things you can do for your family.

For more news and sports, go to NapaValleyRegister.com Pre-Paid Advance Planning that Guarantees Today’s Prices

Serving the Napa Community for over 150 Years ~ Full Service Funeral Home ~ Large Chapel ~ On-site Crematory ~ Cemetery ~ We now offer “Green Burials” ~ Reception Center and Patio ~ Multimedia Services Available

Si hablamos español

LIC: COA 9 FD1786 CR113

411 Coombsville Rd., Napa

707-252-4727 www.tulocaycemetery.org

20 — BEST YEARS

Thursday, July 30, 2015

Dream big. Expect beautiful. The retirement you’ve always wanted is within reach. The Meadows of Napa Valley is expanding to include spacious new apartments with high-end finishes, a large Fitness and Aquatics Center with spa-style amenities and wellness programs, and delicious new formal and casual dining venues.

Surround yourself in luxury, in a community that cares for you.

Call today (707) 320-2207

www.meadowsnapa.com The Meadows of Napa Valley is an Odd Fellows and Rebekahs not-for-profit, resident-centered community. Equal Housing Opportunity RCFE# 286801070 • COA# 249 • SNF# 110000292 The Meadows of Napa Valley has filed an application for Certificate of Authority to the state of California for the expansion.

2 Bedroom 2 Bath + Den 1,910 sq ft