Senior Living by SouthwestIowaNews.com

A SPECIAL SECTION OF THE DENISON BULLETIN AND DENISON REVIEW

SENIOR LIVING www.DBRnews.com | Friday, March 26, 2010

Lois also made the birdhouse pictured above on one of the doilies she made.

Lois Adams keeps her hands and days busy by crocheting. Lois said she likes to crochet because it is relaxing and the items she crochets make nice gifts.

Pictured is one of the doilies that Lois made.

A stitch in time

Lois Adams turns thread into crochet art by Gordon Wolf Lois Adams has a number of interests that keep her busy at the age of 90 – reading, painting ceramics, playing Euchre and Bingo. But she is probably best known for keeping people in stitches – crochet stitches. Lois, a resident of Denison Care Center, crochets necklaces, covers for clothes hangers and doilies – hundred and hundreds of doilies. Lois can’t remember exactly how many years she’s been crocheting, but said she learned as an adult from her older sister, Florence Jones, now deceased. Lois grew up in Charter Oak and also lived in Dow City before moving to Denison Care Center. For 12 years she was the cook at the Charter Oak Senior Center, retiring in 1990. Her first crocheted works were probably granny squares. She used those to make pillows and afghans. “I’m going to make a jacket from granny squares some day,” Lois added. “Kim (Korwes) gave me the pattern.” Korwes is the activities coordinator at Denison Care Center. She’s made seven afghans for the United Methodist Church in Charter Oak. About a year ago Lois started crocheting necklaces. “I got the pattern from my niece (Doris Brich of Omaha),” she stated. She has given away many necklaces and also sells a few. Family, friends and staff at Denison Care have all been recipients of Lois’s handy work. Lois began crocheting doilies about 15 years ago. She’s lost count how many

she’s made. Two Christmases ago, Lois made doilies for family members. With four children, 11 grandchildren and 18 great-grandchildren, that added up to more than 30 doilies. Not long ago, Lois instructed two greatgrandchildren – Leah and Lexie Adams how to crochet when they visited her at Denison Care Center. Leah, age 7, and Lexie, 11, are the daughters of Stephanie Adams of Dow City. One of Lois’s daughters, Karen Adams of Vermillion, South Dakota, also crochets. “But she taught herself. In fact, she has taught her mom some things,” Lois joked. Lois listed many reasons why she likes to crochet. “It’s kind of relaxing, and what I crochet makes nice gifts. It’s also something to do and keeps me busy,” Lois stated. Crocheting also requires patience, especially when you miss a stitch, something that Lois admits she does lot of times, even with her years of experience. “You just have to rip it out and start over again,” she laughed. Crocheting is also good exercise for her fingers, Lois stated, but added her wrists are getting sore. If Lois works at it steadily, she can make a doily in a couple of hours. Of course, her other interests break up the crocheting time. Lois is always looking for new doily patterns. One pattern she’s having trouble finding is for an oval-shaped doily. Her advice for people who want to try the same things is to “get a crochet hook and a pattern and just try it.”

Lois Adams, a resident at Denison Care Center, shows her crocheting technique. Her advice to those who would like to pick up the hobby is to buy a crochet hook, a ball of yarn and a pattern and “just try it.” Photos by Gordon Wolf

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Senior employment program teaches skills, eases transition to workforce by Emma Struve Individuals older than age 55 who wish to re-enter or enter the workforce for the first time can receive assistance through a federally funded program called Senior Community Service Employment. The program is administrated through West Central Community Action, headquartered in Harlan, which serves 10 counties in southwest Iowa including Crawford. “The idea is to bring someone on to the program so they can acquire experience and gain better employment,” stated coordinator Doug Paine. To be involved in the Senior Community Service Employment Program, income has to be at or below 125 percent of federal poverty guidelines; a single person must earn less than $1,128 per month or $13,538 per year. West Central Community Action has served between 70 and 75 people

through the program at a time and is accepting new applicants, Paine said. To apply, interested individuals may call 712-755-5135 to have an employment application mailed to their residence or may pick one up at the Crawford County Outreach Center at 145 North Seventh Street, which is open Monday through Friday 9 a.m. to 3 p.m. The applications are also available online at www.westcentralca.org. After the application is reviewed to determine the applicant’s eligibility, Paine explained, the staff will meet with the person to select a position. Positions are matched to the individual based on their skills and interests as much as possible, Paine said. “We try to meet everyone’s needs,” he noted. The employment opportunities are through non-profit, 501(c)(3) organizations or other governmental agencies and

SPRING

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may include schools, libraries, child care centers, parks, and even working with West Central Community Action. Senior aides work 20 hours per week for not more than 40 hours per two-week pay period and are paid through the U.S. Department of Labor. Paine added that the program is always looking for more organizations that need workers. “The goal is to serve as many eligible people as we possibly can that we have the money for,” Paine stated. However, he added, the Senior Community Service Employment is not designed to be a welfare program and senior aides should, once they developed the necessary skills, transition to regular employment. According to the Senior Aide page on West Central Community Action’s Web site (www.westcentralca.org), “Each participant has an Individual Employment

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Plan with the common goal for all participants of acquiring marketable work skills, developing effective job search and communication skills, and acquiring unsubsidized employment.” The program will provide income for no more than one year at each position, for a total of no more than four years per person. West Central Community Action also offers a computer and internet course called “Digital Inclusion” designed for older workers to learn how to operate the technology. It is taught at a variety of outreach locations, including Denison, by senior aides in two hour blocks. The class is free and anyone in the community can attend. For more information about “Digital Inclusion” programming contact Ivy Nielsen for class times and availability at 712-755-5135.

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Crawford County Memorial Hospital wants you to develop a colon health plan by asking yourself these questions: ARE YOU 50 YEARS OF AGE OR OLDER? NO

YES Have you had a colonoscopy screening?

Did your mother, father, sibling, or child have colon cancer?

YES

YES Have a routine colonoscopy screening at age 50 CONGRATULATIONS!

Have you had a colonoscopy screening?

NO Schedule Your Colonoscopy As Soon As Possible!

YES CONGRATULATIONS!

AFTER THE COLONOSCOPY: If you didn’t have any polyps: • Repeat colonoscopy in 10 years. If you had one or more adenomatous polyps: • Repeat colonoscopy in 1 to 5 years. Depending on the type of polyp, your medical provider will recommend when to have your next colonoscopy. • Put a reminder on your calendar for next colonoscopy. • Tell at least 5 other people that a colonoscopy may show polyps and that the physician can remove them before they grow into cancer. Remember, colon cancer usually has NO symptoms in its early stages. Call your medical provider to schedule your first, or repeat colonoscopy. You may call Crawford County Memorial Hospital for more information, at 712-263-5021, extension 1639. The American Cancer Society can be reached at 1-800-ACS-2345 for free information or www.cancer.org/colon

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MARCH 26, 2010

Crawford County Home Health, Hospice and Public Health assists seniors to remain at home Crawford County Home Health, Hospice & Public Health has been serving the citizens of Crawford County for more than a century. Medicare certified Home Health has been provided in the county for more than 35 years. Public Health services have been available to the community since the early 1900’s. Medicare certified Hospice has been provided since 1999. The home health, hospice, elderly waiver, homemaker, and personal care services help elderly, disabled, and chronically ill individuals remain in their homes. It is a very difficult time in most people’s lives when health issues are making it difficult for an elderly person to remain at home. Assistance with medical needs, personal cares, housekeeping, grocery shopping, and/or meal preparation often enables individuals to remain at home for a longer period of time. Crawford County Home

Health, Hospice & Public Health’s mission is to provide the highest quality of care and meet the needs of the community in the most cost effective way. A registered nurse is on call after hours, on weekends, and holidays to communicate by phone, see clients as necessary, and answer questions as they may arise. Spanish speaking interpreters are also on staff to help meet the needs of the growing diverse population. The home health, elderly waiver, personal care and homemaker programs serve residents of Crawford County, while the hospice program serves a 30-mile radius from Denison and can be provided in the home, nursing facility or hospital. Both home health and hospice programs are Medicare certified and need a doctor’s order to meet appropriate guidelines. Homemaker services do not need a doctor’s

Kate Neumann HCA with Crawford County Home Health, Hospice & Public Health assisted Adeline Koenck with her bath, getting dressed and now is providing foot care. She also assists her with laundry due to Adeline using a walker and not being able to carry her laundry basket. Photo by Bruce A. Binning

order. The homemakers can assist with light housekeeping, laundry, grocery shopping, and meal preparation. If a client needs as-

sistance with personal care issues, such as bathing, hair washing, application of TED hose, or other hands-on personal care, a doctor’s order will

be obtained and a registered nurse will oversee the care provided by the aide. Crawford County Home Health, Hospice & Public Health also provides assistance to seniors through the Community Equipment Loan Program. This program allows anyone in need to borrow, free of charge, such things as wheelchair, walker, bath bench, toilet seat risers, commodes and other medical equipment. The programs at Crawford County Home Health, Hospice & Public Health are funded through numerous sources including: Medicare, Medicaid, private insurance, private pay, Local Public Health Services grant, Elderbridge Agency on Aging grant, and county tax dollars. For more information about any of these services, please call 712-2633303 or stop by at 105 North Main Street (Courthouse Annex) in Denison.

What services do we have? Services to adults and seniors provided by Crawford County Home Health, Hospice & Public Health include: • home health • home health aide • hospice • homemaker • non-skilled personal care assistance • physical/occupational/speech therapy • brain injury waiver • AIDS/HIV waiver • intellectual disability waiver • ill & handicapped waiver • free blood pressure checks • flu vaccination • community equipment loan program

CRAWFORD COUNTY HOME HEALTH, HOSPICE & PUBLIC HEALTH We have a team of professionals who can assist you with your home health, hospice and public health needs. We offer: Public Health Services • Free Blood Pressure Checks • Flu Shots • Elderly Waiver • Community Equipment Loan Program Personal Care Services with Nursing Supervision • Bathing Assistance • Other Hands on Cares • TED Hose Application

Homemaker Services • Light Housekeeping • Grocery Shopping • Meal Preparations • Laundry

Contact US or your doctor about the benefits we can offer to you through our programs. Home Health & Hospice Services • Nursing • Health Aide

• Physical Therapy • Occupational Therapy

• Speech Therapy • Social Work (Hospice Only)

Agency services are billed to one of the following: Medicare, Medicaid, Iowa Department of Public Health, Elderbridge Agency on Aging, Insurance, Private Pay or Sliding Fee Scale based on income and medical expenses. MISSION STATEMENT: Providing the highest quality of care and meeting the needs of the community in the most cost effective way.

here To ys T Ca a lw re A

Crawford County Home Health, Hospice & Public Health 105 North Main Street Denison, Iowa 51442 (712) 263-3303 www.crawfordcountyhealth.com

For more information please call us at (712) 263-3303 or stop at our office at 105 North Main Street in Denison. 7-SENIOR(SENIOR 09-CRAWFORD CO. HOME HEALTH)CS

MARCH 26, 2010

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Good nutrition equals good health equals independent living Iowa Department on Aging (IDA) Director John McCalley reminded older Iowans that March is National Nutrition Month and a healthful diet is an important part of a healthful lifestyle. “Most people know that eating well is important but many have trouble figuring out what to do when planning a complete diet revamp. During National Nutrition Month, the American Dietetic Association reminds everyone that an easy way to focus on eating better is to start with the basics and build your nutritional health from the ground up,” McCalley stated. “By taking small steps to change your diet, you can succeed in living a healthier life,” said Iowa Department on Aging’s Registered Dietician, Carlene Russell. “Small changes can make a big difference.” Toby Smithson, a registered dietitian and an American Dieticians Association (ADA) spokesperson, suggested the following tips on making diet changes: 1. Focus on fruits and veggies: “Take a good look at your current diet you’ll probably realize you’re not eating enough fruits or vegetables,” said Smithson. “Add a serving each day to one meal and increase it every few weeks. Adding more of these foods into your diet is important whether you buy frozen, fresh or organic.”

2. Look locally: From farmer’s markets to community-supported agriculture, you have many options to find new, fresh foods in your area. “This can be a great way to eat well and support your community at the same time,” Smithson stated. 3. Make calories count: “Too often, people think of foods as good or bad and that only those on the ‘good foods’ list are okay to eat,” said Smithson. “When you’re choosing between options, focus instead on the one with more of the vitamins and nutrients that you need. Sometimes, foods with fewer calories aren’t always the healthiest options.” To figure out how many calories you need to achieve a healthy weight, visit www.mypyramid.gov. 4. Test your taste buds: A healthy eating plan emphasizes fruits, vegetables, whole grains, lowfat or fatfree dairy and includes lean meats, poultry, fish, beans and nuts. “Those are the basics, but within this wide range there are always opportunities to try new things and find new favorites,” Smithson stated. “Expand your horizons. Try a fish you’ve never eaten before or find a new vegetable recipe. By testing yourself, you might find new healthy favorites to add to your regular grocery list.” 5. Trick yourself with treats: “A healthful diet does-

Governor Culver More people proclaims “March needed to help for Meals” month

deliver meals

Iowa Senior Nutrition Program in its 38th year of helping older Iowans remain healthy Iowa Governor Chet Culver signed a proclamation earlier this month honoring and recognizing the Iowa Department of Aging and the Area Agencies on Aging home delivered nutrition programs and the national “March for Meals” campaign. “The month of March is celebrated as ‘March for Meals’ month in Iowa and all across the country. In 2009, more 1.2 million meals were delivered to more than 13,400 older Iowans and more 1.6 million meals were served to 44,000 older Iowans at congregate meal sites. Most of the meals delivered were by volunteers,” said Iowa Department on Aging (IDA) Director John McCalley. When he signed the proclamation, Culver stated, “As Governor, I am pleased to recognize the caring volunteers who lend a helping hand to older Iowans by delivering meals. These volunteers represent a spirit of service that sets a great example for all Iowans.” Those interested in volunteering to deliver meals to Iowa seniors should contact their local Area Agency on Aging toll free at 1-866-468-7887 or log onto www.i4a.org.

Volunteers who deliver meals are an important link between daily nutrition and fellowship. The Crawford County Senior Center needs at least four more volunteers to deliver meals, said Lois Johnson, site manager for the Crawford County Senior Center. Those interested in volunteering can contact Johnson at 712-263-4950. Meals are delivered to homes and are served at noon at the senior center, located at 201 South Main in Denison Monday through Friday, except on weekday holidays. Johnson emphasized the importance of the volunteers who deliver meals, stating that sometimes the volunteer is the only person someone may have contact with that day. She added the nutrition provided by the meal is important to keep people healthy. Johnson said it helps if people call ahead one day, using the number listed above, if they want a meal delivered or plan on eating at the senior center. Meals at the senior center involve more than nutrition. Activities are planned that involve fellowship. Many people arrive at the senior center before the noon meal to visit or play cards. Bingo is planned a couple times a week after the meal, and card tournaments are organized a couple times a month after dinner.

n’t mean deprivation,” said Smithson. “If you have a sweet tooth, have fruit and yogurt for dessert. If you want a snack in the afternoon, have some trail mix or nuts. There is no reason to go hungry just because you’re making healthful changes.” For more tips on building a healthful diet from the ground up, during National Nutrition Month and all year long, visit www.eatright.org and click on “For the Public.” For those older Iowans who need help with their meals, the Iowa Department on Aging (IDA) funds area agencies on aging that can provide nutritious meals and nutrition education through home delivered and congregate meals. “Congregate meals and home-delivered meals promote good health and improve nutrition helping older Iowans remain independent,” IDA Director McCalley said. In Denison, the congregate meal site is at the Crawford County Senior Center, 201 South Main, Denison, 712-263-4950. To find other congregate meals sites or to find out more about home delivered meals, contact the Iowa Association of Area Agencies on Aging toll-free at 1866-468-7887.

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MARCH 26, 2010

Medicare supplement changes coming to Iowa June 1, 2010 Starting June 1, 2010, the Medicare supplement insurance policies available to Iowans will have a new look. Currently there are 12 standardized Medicare supplement plans that can be sold in Iowa including Plans A-L, high deductible Plan F and Plan J. After June 1, 2010, there will be 10 plans plus the high deductible Plan F. “A review was done of current plans to see if they were meeting the needs of people on Medicare,” said Kris Gross from Iowa’s Senior Health Insurance Information Program (SHIIP). “The changes reflect those needs.” What changes occur June 1? Plans E, H, I, J and high-deductible J will no longer be sold. People who purchased these policies before June 1, 2010, can keep them and they will continue to pay benefits as

long as the premium is paid. New Plans M and N will be offered, giving beneficiaries new options for higher deductibles and copayments but lower premiums. Three benefits are being dropped from plans. The “At-Home Recovery” benefit has been eliminated from Plans D and G. The “Preventive Care Benefit” has also been eliminated. This benefit is found in Plans E and J which no longer will be sold after June 1, 2010. The “80% Excess Benefit” has been changed to 100% in Plan G. If you purchased your Medicare supplement plan D, G, E and J before June 1, 2010 you will continue to have these benefits. One new benefit will be added to plans effective June 1 or later. Basic benefits will include coverage

of your cost for all Medicare eligible “Hospice Care and Respite Care” expenses. It is important to understand is that if you currently have a Medicare supplement, you DO NOT have to change plans. You can keep the plan you have. Medicare supplements are guaranteed renewable. As long as you pay your premium your policy remains in force. You can apply for a new policy. The insurance company will decide if they will require medical underwriting. (i.e. your medical history determines whether a policy will be issued). They may offer you the opportunity to exchange your current policy for a new 2010 Medicare supplement policy without underwriting. Some individuals who have just enrolled in Medicare Part B for the first time may be

able to get one of the 2010 policies without medical underwriting. For more information call SHIIP at 1-800-3514664 (TTY 800-7352942). SHIIP counselors across the state are ready to answer your questions. Crawford County Memorial Hospital is the sponsor of the SHIIP program in this area. To arrange an appointment with a local volunteer call 263-1685. You can also request the Iowa Guide to Medicare Supplement Insurance. The Iowa Medicare Supplement Premium Comparison Guide can be found on the SHIIP website, www.therightcalliowa.gov. It shows the plans approved to be sold and their premiums. SHIIP is a free, confidential and objective service of the state of Iowa. It does not sell, endorse or promote any insurance products.

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Non-financial tips for retiring boomers A lot of the more than 76 million Baby Boomers headed toward retirement are losing sleep at night, not because they’re worried about having enough money to retire. They’re wondering what they want to do with the rest of their life after age 50. If you’re one of the millions of BabyBoomers beginning to think about retirement, here are some tips: 1. Life’s about more than money. Start thinking seriously about your retirement about five years before you expect to quit the workforce. 2. Make life plans. It is important to plan for the nonfinancial aspect of retirement by considering what will make you happy. Maybe you’ll climb Mt. Kilimanjaro, or go dog sledding in Alaska, or have time to write the next great American novel, or even continue to work part-time. Make a life plan and tick off your experiences as you move ahead. 3. Find a purpose. Find something on an ongoing basis that provides you with joy and structure to your life. This can involve travel, hobbies, or even new career training. 4. Keep sharp. You may feel the need to replace the intellectual stimulation of work. If so, try learning a foreign language or musical instrument, or joining a retirement group that offers ongoing educational courses. 5. Volunteer. Getting involved in the community is a great way to give back, as well as a wonderful opportunity to interact and meet new people. 6. Develop new friendships. A measurement of whether people have a successful retirement is the strength of their social network that includes family and friends. 7. Spousal input. Retirement often means a shared experience. Therefore make time to share your dreams with your spouse, you might be pleasantly surprised to learn that he/she wants to join you on that Mt. Kilimanjaro climb.

8. Remain healthy. There’s an old adage: A lean horse for a long race. That means eating well, watching your weight and remaining active. 9. Financial stability. If you can’t afford to retire yet, consider partial retirement, which can include working

part-time in your current job or finding something new and exciting from which you can earn some money. What’s next in your life? Go to a helpful Web site such as www.WhatsNextInYourLife.com to locate non-financial retirement planning tools.

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SENIOR LIVING

MARCH 26, 2010

Tips for rejoining the work force Studies show that increasing numbers of baby boomers are delaying retirement and that many boomers who have already retired are considering returning to the work force. Even in the current economic climate and competitive job market, many employers recognize the value of older workers who bring with them years of experience and a strong work ethic. With minor adjustments, the basics of job hunting remain the same at every age and stage of life. Do your homework Additional income could affect your Social Security benefits. Visit the Social Security Administration online at www.ssa.gov or check local telephone listings for a local office for information. If you don't have a particular field or job in mind, find out which jobs and employers are more open to hiring older workers. Learn about any technological advances in your field. You may need to take an adult education or online class to bring yourself up to speed. Update your resume and cover letter Make sure the style of your resume and the terminology are up-todate. Emphasize your extensive skills and experience in the field or in other fields. Include other experience you feel may be an asset but be sure it's relevant to the position you're applying for. It's okay to de-emphasize dates, but don't hide or change information that's expressly requested. (It's no secret that you're an older job seeker.) Always check and re-check your spelling, grammar and punctuation. Consider sending your resume and cover letter to the department head, job interviewer or the head of Human Resources in advance of your interview. Be prepared for interviews Research the company you're applying with and if possible, the interviewer. The odds are good that the interviewer will be younger than you. If this thought causes you discomfort, consider rehearsing for interviews with a younger person. Be ready to explain why your age and experience make you the best candidate for the job without sounding defensive or apologetic. Dress and groom appropriately and don't try to act or look younger than you are. If you're not confident about and comfortable with your age, a prospective employer won't be either.

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Caution key for seniors returning to exercise Seniors can benefit greatly from daily exercise. In fact, many illnesses commonly faced by senior citizens can be combated effectively, though not entirely, if daily exer-

cise is included. Exercise can help reduce the negative side effects of conditions such as osteoporosis, arthritis and even depression, each of which can appear as a person ages.

Unlike beginning an exercise regimen when you're young, however, doing so as a senior involves a little more restriction and an honest appraisal of where you are with respect to fitness.

For seniors about to start an exercise routine, a couple of things must be considered to ensure your success and safety. Be honest. Diving right back into a heavy exercise routine is dangerous. Instead, be honest with yourself at the start. If you haven't seen the inside of a gym in a long while, take things slowly at first. Make your daily routine short at first, for 10 to 15 minutes per day, and take regular breaks. Slowly add to your routine as your body acclimates itself to daily physical activity. Be realistic. Choosing an exercise regimen that you won't enjoy is impractical. Once you've chosen your routine, there are certain steps to take that can ensure the routine won't leave you licking your wounds or aching all over. Stretch. Even professional athletes who earn their livings being physically active stretch on a daily basis. Stretching should be done before and after each workout. Low-intensity stretches that precede a workout will ready your body for the more strenuous work ahead and will also get your blood flowing. It's important to stretch after you've worked out as

well. Most people end their workouts with some cardiovascular work, be it walking or running on the treadmill or using the exercise bike. Once you've finished the more strenuous portion of your cardiovascular routine, cool down with a 1 or 2 minute walk on the treadmill or a couple of minutes of low intensity cycling on the exercise bike. This allows your heart rate to return to normal. Upon completion of the cardiovascular portion of your workout, do some light stretching to avoid cramping. Stay hydrated. Even if your exercise routine isn't strenuous, and for many seniors it's not, that doesn't mean you're not going to sweat. Replenish

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the fluids your body is going to lose through exercise by drinking water while you exercise. Dehydration is not only bad for your body, it's also uncomfortable, often leading to muscle tightness and possibly stomach pains. Drinking ample amounts of water while you workout should help you avoid these side effects. Take it easy. Once back in the swing of things, it's still important for seniors to not go too hard during their workouts. Feelings of nausea, lightheadedness or dizziness indicate you're going too hard. Again, seniors are at greater risk for injury and ailments than their younger counterparts, so exercise caution whenever exercising.

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April construction start planned for Silveridge Eventide’s new 36-unit assisted living facility offers another care option The start of construction on Eventide’s new 36-unit assisted living facility in Denison has tentatively been set for April 12, according to Mindi Baker, administrator of Eventide Lutheran Home. A public groundbreaking ceremony is also being planned in April. Baker said construction on the two-story building on the 20th Street football field (corner of Highway 30 and 20th Street) is expected to take eight months. Eventide purchased the field, located adjacent to the existing campus, a number of years ago in anticipation of future expansion. The official name of the assisted living facility is Silveridge, An Eventide Community, LLC. Details of Silveridge include: 32 one-bedroom/one-bath apartments that cover nearly 600 square feet each Four two-bedroom/two-bath apartments that cover nearly 900 square feet each A kitchenette with a refrigerator and microwave in each apartment A fully staffed kitchen Common areas that include a large dining area, two living rooms with fireplaces, a library, a beauty shop, a wellness room, two whirlpool spa areas, private dining, a multipurpose room with a kitchenette and a coffee shop Eventide’s existing facilities include Eventide Lutheran Home for the Aged, a not-for-profit nursing home; Eventide Senior Housing, a three-story complex which offers 35 independent living apartments for the elderly or physically handicapped; and Realife Cooperative, a cooperative retirement community for people age 62 and older. In a newsletter last fall, Baker wrote that she and the board anticipate that some residents of Eventide Lutheran Home may move to Silveridge once the building

Above is the architect’s rendering of what Silveridge, An Eventide Community, LLC will look like once constructed.

opens. This will allow Eventide to begin renovating the nursing facility. The goal of the renovation is to offer more private rooms and to increase the common areas for residents and their families to visit. Plans for the renovation are not finalized but Eventide anticipates the development of a new lobby/reception area, library with internet access, living room areas, activity/game room, and additional office and storage space. Also envisioned for the renovation are updated fixtures, flooring and lighting.

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The goal of the renovations is to make the nursing facility very homelike. Baker pointed out that, with the building projects, a major benefit for residents is that they will have the option to move within Eventide’s care system as their needs change. Another advantage of the building projects is that privacy will be enhanced. “We believe these projects will be a great asset to our friends and family in Crawford County,” Baker said in the newsletter. For more information about the building projects, people may call Baker at 712-263-3114.

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Golden years are turning into green years The adage, "you can't teach an old dog new tricks" is apparently a misconception. When you consider how many people of the senior demographic are continually trying new things, such as making green changes to their lifestyle, it would seem that change is possible no matter a person's age. The green movement in the media tends to be skewed toward the younger demographic. However, plenty of older individuals are making strides to adopt earthfriendly changes and spread the word about helping the environment. Seniors comprise a considerable chunk of the population. For instance, nearly 13 percent of the United States is over the age of 65. Also, with high numbers of seniors retired or working minimal hours, they are a demographic that has a lot of time to devote to going green. Seniors are not unfamiliar with the issues of going green. Many grew up during the Great Depression, when recycling and

reusing were par for the course. However, doing so back then was a necessity rather than a widespread social movement. Seniors are also less reticent to go without modern conveniences that may do more to hurt the planet than protect it. They are used to walking or bicycling to get around. And the concept of hopping on a train or bus instead of driving individ-

ual cars is something many embrace. Retailers, housing developers and other businessminded individuals are finding that it pays to target the senior market in terms of going green. This demographic that grew up on being frugal finds many benefits to incorporating green concepts into their lifestyle. A popular housing

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builder and Harris Interactive polled Baby Boomers ages 45 to 62 in 2008 about their interest in the environment. Some findings include: 94 percent of Boomers had taken steps in the last 6 months to go green. 79 percent wanted to do more to reduce their carbon footprint. 81 percent were concerned about what type of

world they're leaving for their grandchildren. 25 percent said that a green house is one of the smartest investments a person can make. With that in mind, here are some ways seniors can make environmentally friendly changes around the house in an effort to both save money and help the planet. Look for a retirement

community or assisted living facility that boasts green practices. It has become commonplace for these communities to use solar panels to harness energy and green building materials to compromise the majority of the structure. Beef up insulation and weather-stripping. Replace drafty windows and doors to save considerably on heating and cooling costs. Consider using low VOC paints and carpets made of organic materials. Fewer chemicals in the air make for a safer living environment and world. A high-efficiency dishwasher may use less water than washing dishes by hand. Wait until the dishwasher is full before running a load. Now is the time to upgrade to energy-efficient appliances to use less energy and save money in the long run. Go yard sale shopping. Furnish the home with items that may be someone else's trash but your treasure. You will limit the number of things that end up in landfills.

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More seniors returning to school By the year 2030, it is estimated that 20 percent of the population will be 65 or older with time on their hands and potentially new interests to be satiated. Forty years ago, seniors pretty much worked their entire lives. The retirement age was 68, and the average life expectancy was roughly the same. Today there is an entirely different picture. Retirement occurs by age 62 and seniors are living longer than ever before thanks to a healthier lifestyle and advanced medical treatment. There is the potential for 10 to 20 additional years to fill post-retirement. And many seniors are choosing to spend a portion of that time going back to school. Research indicates that adult students (ages 25 and up) are becoming the new majority on college campuses nationwide. Older students say they relish the freedom of being able to focus on education now that they fulfilled their responsibilities to families and work. “When they started careers and families, they had to set things aside, and now in their 60s or 70s or 80s they’re saying, ‘I never did read Plato,’ or ‘I always wanted to learn Italian,’” said Michael Shinagel, dean of continuing education at Harvard Extension School. Many colleges and universities are realizing the zeal seniors have toward continuing education. Some matriculate adult students right into regular

classes. Others have developed lowercost enrichment programs designed especially for seniors looking to gain knowledge or pick up skills they may have missed in their younger days. With senior citizen populations on the rise on college campuses, adults face a series of challenges and advantages being the non-traditional students. These students can contribute and receive much from their classroom and education experiences. Here are some things to consider: Older students bring life experience to the class as well as richness in diversity. Senior students can engage in conversations during the lessons and change the dynamic of classroom interaction. Professors may readily gravitate toward older students because they may have real-world experience with some of the lessons being taught. Older students can become role models to younger students and offer sage advice. Non-traditional students with realworld experience and contacts could be a perfect networking contact for other students, making him or her sought out in the classroom. Age is no longer a defining factor on college campuses. More seniors are considering enrolling in higher education to obtain and degree or to simply take a few courses that interest them.

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Money-saving tips The retirement years are supposed to be a relaxing respite from the decades we put in paying our dues in the work force, but sometimes worries about money can make those years far from carefree. Whether you are collecting social security benefits or living off the interest from retirement funds, the following tips can help you save money. Grocery Shopping Shopping at your local mini-mart is fine for an occasional quart of milk or loaf of bread, but try to do most of your grocery shopping at

a supermarket that offers lower prices. Take the time to clip grocery coupons from the newspaper. Check the sale items in the weekly supermarket flyer and take advantage of stores that offer double coupons. Try making your dinner menu for the week with the grocery store’s sale flyer in front of you. If chicken breast is half price, you should include that on your menu for the week. Prescriptions Always ask your doctor and pharmacist if a generic drug is available for the pre-

scription you need. You'll pay less than for a name brand. If you must use an expensive prescription on a regular basis, compare prices at different pharmacies. Eating Out Keep your eyes open for discount coupons for local restaurants. Many offer two-for-one or buy one entree, get one half off specials. When eating at fast food restaurants pay attention to the current promotions and buy the items that are on sale when possible. If you have a part time or full

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time job, consider brown bagging your lunch a few times a week. Phone Service Review your phone bill with your local carrier to see if there are items you may be able to eliminate. Examine your usage to see if you really need call waiting, message forwarding or voice mail for example. Some carriers provide discounted basic service to individuals with low income. Also compare the rates of long distance providers. Many offer special plans for frequently called numbers or

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Energy Savings Set your heating thermostat during the day to 69 degrees or lower and wear a sweater. At night try setting the thermostat ten degrees lower and put another blanket on the bed. In summer you can save money by running your air conditioner less often at a higher temperature, and by using overhead ceiling fans to help circulate more air. Transportation Shop around for the best prices on gasoline. A few cents less per gallon can make a big difference when you're filling up the tank. If you use public transportation, check into weekly and monthly passes or tokens that may save you a few dollars each month. Clothes Shopping Save money on brand name quality clothing by shopping at closeout stores and taking advantage of sales and coupon promotions at local department stores. If your budget is very limited, you may be able to pick up a gently used winter coat or sweater at a local thrift store for a fraction of the price you'd pay at a department store. Toiletries, Cosmetics and Cleaning Supplies Generally you'll pay less for toiletries and household items at a discount store, but

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watch the sale papers for special deals advertised at drug stores and general merchandise outlets. Warehouse Stores and Co-ops Many seniors save money by pooling their funds, buying in bulk at warehouse stores like Costco and Sam's Club, and then dividing up the merchandise later. Your local senior center may have information on co-op buying clubs that can save you money on fruits, vegetables, meats and dairy products. Credit Cards Review your credit cards and transfer your balances to cards with lower interest rates. You'll be able to pay off the card quicker at a lower monthly rate. Beware of cards with short-term low interest rates that convert to higher rates after three months. Budget for Cash Expenses Write down all your cash expenses in a notebook for a month. Check to see if there are expenses you can eliminate. If you're spending a lot on snacks, magazines, lotto tickets and impulse items, put yourself on an allowance and only carry that amount of money. See if you can make it to the end of the week without writing a check or going to an ATM for more cash. Small Savings Add Up If you have trouble setting aside money for savings, try putting all of your change in a container every day. Don't touch the change until the end of the month. Total the amount you've saved and open a savings account. Add to your account every month with the change you've accumulated, and you'll be surprised at how much you can save in a year. Publishers-Edge

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Denison Geriatric Nurse Practitioner endeavors to improve seniors’ quality of life by Emma Struve A geriatric nurse practitioner can assess, diagnose and manage aspects of physical, social and mental health in older adults to maintain or improve quality of life as they age. Jill Kierscht, with Family Medicine Associates in Denison, is certified by the American Nurses Credentialing Center as a gerontological nurse practitioner and has served the area for the last 15 years. “The biggest thing is, I’m trained to provide primary care,” Kierscht commented. “We improve quality of life, however that may be.” Kierscht explained that her goal is to help clients feel better, to get around easier, and to maintain independence as they age, and that this aspect is one of the most rewarding of her job. She sees patients at area senior living

facilities as well as those that come for appointments at the clinic. Some of the most common maladies Kierscht manages in her clients are dementia and memory impairment. “There is an increased incidence the older we get,” Kierscht said. She begins treatment by determining the specific cognitive problem. Another frequently seen problem is incontinence. Kierscht said in her years of experience there has even been a change in practitioners’ attitudes toward providing care to the elderly, in that they are less dismissive. “Just because you’re old doesn’t mean you have to live with these things,” she insisted. Many ailments can be treated with medication. However, one of the biggest chal-

lenges in her practice, Kierscht said, is the cost of prescriptions, especially newer drugs that have lower incidences of side effects. “The things we want to use, we are prohibited because of cost,” she added. Help is sometimes available for seniors through the pharmaceutical companies or prescription coverage through Medicare part D. She commended Iowa for the regulations that allow nurse practitioners latitude in their ability to practice medicine. Not all states, for example, provide nurse practitioners with full prescriptive authority. Kierscht works with other health care provides, such as geriatric assessment centers, for specialized care as needed. She resides in Charter Oak with her husband Kerry and kids Kole and Shae.

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Roth Individual Retirement Account details The Roth IRA is a retirement savings account that may allow you to make an annual contribution of up to $5,000 ($6,000 if over the age of 50). The basic difference between this type of IRA and a traditional IRA is that your contribution is not tax deductible but investment earnings grow tax-deferred and qualifying withdrawals may be tax-free. Earnings and gains on invested contributions grow tax-deferred. Generally, these earnings produce a greater total return over the time they grow within the fund. Depending upon the return this type of retirement investment yields, the Roth IRA builds a better retirement package that provides non-taxable income upon withdrawal. This retirement plan is best for investors who are planning on building an IRA for 5 years or more. The withdrawals are not subject to income tax with some restrictions. The account must be established for at least five years. Contributions and earnings are both tax-free at withdrawal after age 59 ½ or in the event of permanent disability or death. Tax-free earnings will leave you more after-tax assets as you build your retirement plan. The younger you are, the better this plan looks as an investment. Most states allow tax-free withdrawals of Roth IRA assets but you should check with your tax advisor to be certain. Older investors also have a unique benefit through the Roth IRA. Unlike the traditional IRA, you may continue to make contributions to a Roth IRA after age 70 ½ as long as you qualify to have earned income. This is an excellent benefit for investors who have other income from various sources and want to continue to build up their retirement account even after retirement age. Another unique benefit to the older investor is the distribution requirements of a Roth IRA. This IRA doesn’t require mandatory distribution during your lifetime. If your plans include building an estate for your children

or a steady stream of income for your living spouse, this retirement investment is a great way to meet those goals. Your investment will continue to grow tax-free building equity in the fund to take care of your family’s income after you are gone. Under certain circumstances, you may withdraw funds from your Roth IRA without paying an early withdrawal penalty of 10%. You may be eligible to withdraw assets from your Roth IRA for higher education expenses or to purchase your first home. You have to have held your Roth IRA for a minimum of five years to qualify for this benefit. This is a strong benefit for a younger person who is trying to save for both retirement AND a nest egg to go back to school or purchase their first home. How do I know if I’m eligible for a Roth IRA? You are eligible to make a contribution to a Roth IRA of up to $5,000 a year if you are married and file a joint return and have a modified adjusted gross income between $5,000 and $158,999. If you are single your modified adjusted gross income must be between $5,000 and $100,999. If you are over the age of 50 you can contribute up to $6,000. Which Individual Retirement Plan is right for you? The answer lies in which plan best helps you achieve your retirement goals. If you are close to retirement age and can use the tax deduction, many people opt for the traditional IRA plan. If you are more than five years away from retirement you may want to look at contributing to a Roth IRA to take advantage of the tax-deferred earnings that a Roth IRA provides. An IRA allows limited contributions even though you participate in your employer’s plan and provides taxfree growth on your investment. Regardless of your age or income you should invest in some sort of retirement investment plan that will help you prepare financially for those golden years of retirement.

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Medical travel tips for seniors

Mature drivers can sharpen their road skills

Ask anyone what they envision doing most in their retirement, and chances are travel will be at the top of their list. For those who have already retired, traveling is a luxury many no doubt look forward to. Seniors about to take to the road, however, should consider the following tips before heading off to parts unknown. Pack medications in your carry-on. Prescription medications should be packed in your carryon whenever traveling to prevent losing vital medications should your checked bags be lost during your travels. Consult with your physician and create a list of past and current conditions and any medications. In the unfortunate event you lose any of your medication or fall ill during your travels, a list of all current and past conditions and medications can help the physician who will be treating you better understand you and your medical history. Be sure to inform any

While younger drivers are commonly perceived as the riskiest drivers on the road, insurance companies may also consider more mature drivers to be risks as well. Driver improvement courses - offered in a classroom setting or online - can help mature drivers become safer behind the wheel. According to the AAA, the most common factors in collisions involving mature drivers are: Failure to yield right of way Improper left turns Confusion in traffic Inattention Complications while backing up Failure to maintain proper speed Seniors, however, can reduce their risk of car accidents by taking a few easy precautions. Move into an intersection only after checking the area for pedestrians, cyclists, hazards, and other motor vehicles. Don’t be pressured into sudden moves by other drivers. Limit conversation and keep the radio volume low to minimize distraction. Don’t drive when tired, depressed or in the grips of a strong emotion, such as anger. Never drink and drive. Metabolism changes with age, and even one drink can make driving unsafe at any speed. Avoid driving while taking new medications. Ensure that the windshield is clean and visibility is clear.

traveling companions about this list, and keep it on you at all times when traveling. Figure out time zones and a medication schedule ahead of time. When traveling to different time zones, it can be difficult to adhere to a medication schedule. Before leaving, work out a new schedule that takes into account the different time zones you will be visiting during your travels. Be sure your vaccinations are up to date. Certain countries mandate your vaccinations are up to date before you can enter the country, and some require vaccinations be administered as early as six weeks before your visit. Be sure all vaccinations are updated in adherence to the guidelines of any country you will be visiting. Remain hydrated. Planes often have dry air, which can cause dehydration and muscle aches. So be sure to drink plenty of water to guard against dehydration.

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Vacation ideas for Boomers Countless vacation destinations offer breathtaking scenery and comfortable accommodations with endless opportunities to relax and enjoy your well-deserved time off. Many destinations can be inexpensive. Even if the following ideas don’t tickle your fancy, you won’t have to search hard to find similar deals. The great outdoors With a wide range of regional, state and national park campgrounds from coast to coast, camping has always been one of the most affordable ways to stay and play. Yosemite National Park, California - best known for the massive granite rock formations Half Dome and El Capitan looking down over Yosemite Valley. Yellowstone National Park, Wyoming - home of the famed “Old Faithful” geyser, numerous other hot springs, geothermal mineral pools and deposits, Yellowstone also hosts an abundance of

wild grizzly bear, bison and wolves. A Day at the Beach The United States alone has thousands of miles of coastline, with most of its sandy beaches open to the public, free of charge and many with affordable lodgings. South Padre Island, Texas - one of the most popular beach destinations in the United States. Carolina Beach, North Carolina - a seaside town with beaches that aren’t crowded, reasonably priced accommodations and affordable activities. Cannon Beach, Oregon - only hours from Portland and Seattle, this northwest oasis has affordable accommodations as well as state parks and other campgrounds close by. A Little Romance? If you’re looking for a quiet and affordable getaway for just the two of you, consider some place new and different. Gatlinberg, Tennessee - a beautiful secluded

destination in the middle of the Great Smokey Mountains with walking trails and a tramway to the mountaintop. Lake Quinault, Washington - a large lake just a few hours from Seattle that hosts a rustic, century-old lodge surrounded by a temperate rainforest. Rincon, Puerto Rico away from the tourists, this low-cost getaway has beautiful beaches, inexpensive hotels and friendly locals. Action and adventure Opportunities for affordable adventure abound, especially if you consider destinations off the beaten track. Big Horn Mountains, Wyoming - Paradise Guest Ranch hosts horseback riding, overnight pack trips and rustic western-style cabins. Baja California - fourand seven-day trips across Baja in open-wheel tour cars with seasoned guides by Wide Open Baja Company come with firstrate accommodations, service and meals.

Dan C. Pfannebecker 1425 Broadway • PO Box 370 • Denison, Iowa 51442 Phone 712.263.4151 Fax 712.263.8662 dan@pfannebecker.com Check out our new website: www.pfannebecker.com

Proudly serving the Denison area since 1907 Pfannebecker Funeral Home, established in 1907 by Charles Bartcher, has been serving and caring for Denison and Crawford County area families for the past

103 years. Many changes have occurred in our world in the past 103 years and so it is true with funeral service. Today, many families are taking advantage of preplanning their funeral service. Whether you just want to record information, select a funeral service and merchandise or discuss options of prepaying in advance, Dan Pfannebecker invites you to stop in or call for an appointment to discuss your needs and desires. Many couples state the main reason they preplan is to be able to do this together, rather than leaving one alone to make all the decisions at a difficult time. For any questions or concerns you might have regarding prearrangements, please give Dan a call at Pfannebecker Funeral Home.

“Comfort,, Inn a Timee off Need” 85-SENIOR (SENIOR-PFANNEBECKER) PS

89-SENIOR(SENIOR 2010-ROSE VISTA)R

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SENIOR LIVING

MARCH 26, 2010

Store: 712-263-6151 Pharmacy: 712-263-6161 Floral Shop: 712-263-8844 Lawn & Garden Center: 712-263-6412

PHARMACY

1426 BROADWAY • DENISON

PHARMACY HOURS: Mon.-Fri. 8:00 a.m. to 6 p.m.; Sat. 8:00 a.m. to 5 p.m.

LET OUR HOMETOWN STAFF TAKE CARE OF ALL YOUR PHARMACEUTICAL NEEDS!

From left to right: Mayra Arguello, Tech; Beth Fredericks, Tech; Heather Zeimen, Pharm D; Andrew Perina, Pharm D; Ambur Ebner, Tech; and Sharon Claypool, Tech.

Expanded $4 generic prescriptions for qualified 30-day prescriptions See your Denison Hy-Vee pharmacist for details. Go to www.hy-veepharmacy.com for a list of all 400 generic drugs.

eric n e g 0 1 $ d e d Expan fied li a u q r o f s n prescriptio ns io t ip r c s e r p y 90-da

Pharmacy Available at Hy-Vee and Drugstores MN & WI state law restrictions apply.

• Free Glucose Checks • Free Blood Pressure Checks • Free, Local Delivery • Convenient Uptown Location • Prescriptions filled within minutes • We accept most Major Prescription Plans • Flavorings Available Upon Request • Cholesterol Screenings Available for Minimal Fee

• Computerized records for income tax & insurance purposes • Friendly, experienced staff eager to serve all your Pharmaceutical needs. • Can’t make it in? Let us mail your prescription to you at NO CHARGE!